Free Financial Check Up From QM Financial

Happiness is the basic purpose in people’s life. Happiness can be achieved when the health of your body, mind, soul, and even your social life can make you productive to live your life. Having a check up of your financial is as important as having a check up of your own body and mind. It helps us to more quickly detect the possible “diseases” we probably have. Have you ever checked your financial health? How much your monthly expense, how much the total debt, or how many your net assets? Maintaining financial health is needed to avoid the disruption of financial health.

Your financial health will become one important factor in achieving the good quality of life. But, worry no more! Now, you can do financial check up of your own. There is free financial check up from QM Financial which will show you how healthy your cash flow in every month. You can just fill in the online form according to your actual condition of your own financial. The Beginner Column in the form will show the common ratio in the beginner investor. On the other side, the Advance Column will show the common ratio in the more experienced investor. From those ratios, you are only need to consider two ratios that are Saving Rate and Debt Service Ratio.

The Saving Rate is around 10%-30%. Investors with a healthy financial ratio, the investor focus will be more targeted to set aside larger amount of your assets regularly. The ratio from Debt Service Ratio is very crucial because it shows whether or not you receive a salary every month just to pay the debt. Make sure the ratio is always below 30% so you can still set up investment, routine expenses, or enjoy your personal expenses without having to bother with the debt. QM Planners from QM Financial can help you to make a Full Comprehensive Financial Plan. You can obtain more detailed calculations and how investments needed to achieve your financial goals. The most important thing is to concentrate your monthly income to set aside a regular 10%-30% of your income every month. Find your financial problems here with free financial check up from QM Financial then solve the problems. To have a better future, you need to have dedication, concentration, and skills to do your own financial planning. Rather than being late, do financial check up now! With a good financial plan and habits, you will be able to prepare a brighter future.

How To Keep Your Baby Skin Healthy

Baby

Caring for baby's skin is one thing that should not be forgotten by the mother. This is caused by the baby’s skin still very young and sensitive that are vulnerable of the various diseases and various other disorders. Baby's skin is very smooth but vulnerable to changes in temperature, drought and infection. Because of the sweat glands is not fully developed, the baby's skin is very sensitive to cold and hot temperatures. Although sebaceous glands are formed in the skin, but they are not producing enough oil. As a result, babies are prone to dry skin. Baby's skin is also susceptible to infection because the system of protection to against microorganisms is not fully formed. Therefore, proper care of sensitive baby skin is very important in the first months of life. Here are tips that are highly recommended in baby skin care:

Bathing the baby. In a baby bath, bath water temperature needs to pay attention mainly to the newborn. Should the temperature not too hot or cold. Clean baby's skin from the dirt on the skin such as food waste, urine, and feces with water. Bath twice a day will also help clean the baby's skin. If the child's activities and movements or your baby is very active, bathing can be done 3 times a day. At the time of washing, note well the soap to be used. A good soap for baby's skin is a special soap for babies who are not too hard and has a pH between 4.5 - 5 and try a little greasy soap, this is to prevent irritation on baby's skin. Very good if done twice to rinse the chemical cleaning. If there is irritation to the specific brand you should switch to another brand, do not let it drag on. Areas such as between your fingers, armpits, and groin, not to be missed. How to clean baby's genitals of women and men differently. Of female infants, wash genitals from front to back or to the anus by using a cotton swab or a damp washcloth. At a baby boy, pull his hood slowly until tha urine hole appears, then wipe with a damp washcloth or cotton. Finished bathing, use a soft towel for comfort on baby's skin. Use a special moisturizing baby lotion or cream form which serves to maintain or increase the water content present in the skin, particularly the outer skin (epidermis).

Selection of Clothing and Baby Diapers. Choose clothing and diapers made from soft and thin cotton or mixtures thereof. Avoid nylon material that is generally easy to make baby hot and sweaty. This condition will easily invite germs or bacteria that is easy to bring up the rash and itching. If the baby can scratch, even the possibility of infection is greater.

Protect baby from the afternoon sun, if the baby should be dried to obtain additional vitamin D for bone growth, do it under at 09.00 am. Avoid direct exposure to the baby from the afternoon sun, the sun is directly susceptible to skin cancer. When you want to take the baby out of the house, use protective gear such as umbrellas or hats. Sun protection cream (sun block) may be used provided that the doctor be consulted first. Be careful not to the eyes, mouth, and little hands.

How to Enjoy a Budget Holiday in Bali

Bali Indonesia

Bali has been known as an island with beautiful beaches, great culture, delicious dining experience, and wonderful night life. And even more, travelers can enjoy all this in a budget! Bali is one of those places where you can go backpacking and enjoy all the holiday activities with low rates. So if you’re planning to have a holiday in Bali on a budget, here are some things that would definitely reduce the cost of your travel:

Accomodation
You can find cheap and reasonably priced rooms in Bali, even in the most popular areas like Kuta, Seminyak, or Ubud. The facilities usually include simple furniture, private bathroom, and electric fan. You can even have the same type of room with TV and air conditioning with low rates. Most of them even include standard breakfast. In a place with beautiful beaches like Bali, you’d probably prefer enjoying the holiday outside your hotel room. So, a standard room that’s comfortable and clean for sleeping and bathing is probably enough for most people.

Food
Try the local warungs and cafes that serve local food with low rates. Be adventurous and look for places that look busy. Take a peek to see if the place is sanitary enough for you and if it serves food that suits your international tongue or tickles your adventurous taste bud longing for new and exotic food. Don’t forget to check if the place suits your budget. Remember, if the locals seem to enjoy eating in a restaurant or warung, there’s a huge chance that the place is cheap and serve tasty food.

Transportation
There are some modes of transportation that you can choose to stroll around in Bali. The cheapest form of transportation is bemo. However, bemo is a bit time consuming, as it is a bit slow and doesn’t have a fixed route. You can also take a tourist mini-bus that are a bit more expensive than bemo, but is much faster and more comfortable than bemo.

Souvenir shopping
In a cultural place like Bali that’s famous for its art, travelers surely want to do some souvenir shopping. However, if you’re on a budget, don’t buy your souvenir in tourist areas like Kuta. You can try doing some souvenir shopping in the central market in Denpasar or at Pasar Sukowati near Ubud. These places sell high quality souvenirs with much lower rates than the souvenir shops in popular tourist areas.