Filipino investors optimistic on pensions, but based on some risky assumptions – Manulife Survey

The majority of Filipino investors are satisfied with their government pension – but that sentiment is based on specific assumptions and a cash-dominant approach to retirement working out, according to the latest Manulife Investor Sentiment Index.*

Two-thirds of respondents said that they are confident that their government pension would be enough to meet their needs upon retirement – the highest level of all surveyed markets. In contrast, across all surveyed markets the proportion of confident investors was less than 40 percent, and as low as one-in-ten in some markets.


Getting Legal Counsel When You Need It

Having proper legal resources can help you if you run a company, are looking to buy a house or are going through any other complicated or large transactions. While most people honor their obligation to pay for the things that they buy or to do a job as per the terms of an employment contract, there are times when customers don't pay for goods or honor that employment contract.

If someone is not living up to their end of a bargain, it is necessary to take legal action to ensure that the agreement stays intact. However, before action can be taken, the defendant in the case needs to be notified that action is being taken against him or her. Otherwise, it might not be possible for a judge to render a judgement in the case no matter how strong the plaintiff's argument may be.

In the event that you are the defendant in a case, you want a good lawyer who can get you out of trouble. Having good representation can be the difference between owing lots of money or spending time in jail and getting the case dismissed. Here is a situation where you can save money even if you spend a lot of money on legal counsel.


2 Great Boat Lifts For Side Mounts

If your dock lacks the room for a traditional boat lift, a side mount will work just as well. You'll need to be careful, however, to buy from a trustworthy supplier and to pick a model that isn't just a cheap knockoff of the regular kind. Here are two side mount boat lifts that are worth the money.

The Magnum

Capable of bearing up to 10,000 pounds, the Magnum lives up to its name by acting as a juggernaut among boat lifts. You won't see this kind of power in any other side amounts. Not only does it come with heavy-duty load beams that have been galvanized and fitted with adjusted lifting arms, but it even boasts a double dose of Hefty Hoist winches. If you're looking for a side lift that doesn't pull any punches, the Magnum is the one for you.

The Mini Mag

On the other end of the size spectrum, the Mini Mag is a tiny lift meant for small vessels or narrow waterways without a lot of room. It has a capacity of 2,000 pounds, which is above-average for a lift of its size, and it also offers polypropylene rollers for ease of use. Like the Mag, it has two winches, but these are 3/4hp and designed for aesthetic appreciation as well. If you want an unobtrusive lift that gets the job done without fuss, you won't want to pass over the Mini Mag.

These are just two side mounts worth consideration for your next purchase. They may not be traditional, but they're innovative!


Lose Weight Without Having to Starve!

Everyone at some point has tried some form of weight loss program or diet that you were never too sure about to begin with. Whether it was some form of starving yourself to not get the calories that you needed, or trying some foreign methods, not all techniques work on every body type. Fortunately, there is a method that will allow you to maintain a healthy diet without starving yourself, and slim down to the size that you’ve always wanted!

How to Perform This Weight Loss Method
Most dieting programs have us believe that if we cut out carbs and calories from our diet that we will be able to lose weight and get that beach body that we’ve always wanted. Unfortunately, like Margot Micallef, would agree, the sad truth of this is that it does more harm than good. By hitting the brakes on our caloric intake, it does much more harm to our body than we can imagine, and sometimes it is hard to bounce back from.

A relatively easy strategy that will help us eliminate fat is by making simple changes in our diet. Switching to low fat cheeses, leaner meats and cutting fat from our cooking will make leaps in bounds in our diet and will lead to a safer method of weight loss. It goes to show that cutting carbs and calories out of our diet completely is not safe, and has been known to hinder than help. Like Margot Micallef said play it safe and make small adjustments that will allow you to enjoy the foods you always have, but healthier!


What to Prepare When You Buy Sheer Curtain Clearance

Stretching your meager income is really hard in the face of growing expenses for the kids’ education and the soaring prices of basic commodities. Home improvement is hardly possible because you have to prioritize the basic necessities in life. Instead of buying a new set of curtains, you just have to wait for discounts at the malls.

But here is good news for you, sheer curtain clearance is offered until the last item is sold. Stores are using clearance sale as a strategy to boost their profit and this will be your opportunity to avail of high quality sheer curtains at low budget.