Five Ways To Cut Out Sugar Intake

Posted by Peter Rolands in All-Peter Healthy Choices

Diets are hard to follow

Diets are hard to follow

It is not fat in your body that makes you fat. Doctors have repeatedly said that it is the sugar, which is the real culprit. Therefore, it is very important to cut out sugar from your diet and here are top five ways to do it.

Get acquainted with sugar terminologies on the box

Be aware of nutrition facts and food leveling

Be aware of nutrition facts and food leveling

Be careful before you buy that box of cereals or canned juice from the grocery store. Check at the back of the box to find out the sugar content. Some items that have high levels of sugar include, canned juice, dairy products, Cereals (Unless they are specified as no sugar). Moreover, companies today are using disguised names of sugar to confuse people. Therefore, if the content list on the box reads, fructose, glucose, molasses, dextrose, brown sugar, corn sweetener then it is the same as sugar.

A good breakfast is the key to a good day

Your parents, doctors and your grandparents have always told you to have a good breakfast. It still holds true. Eat a good breakfast containing wholegrain cereals, porridge and oatmeal. These items release energy slowly in the body during the day and hence it lessens your craving for sugar.

Protein rich and low glycemic diet

Have a protein rich and low glycemic (GI) diet to control sugar levels. Protein takes time to be broken and hence makes you feel full for a longer duration. Low glycemic diet contains brown or whole grain bread and cereals. Most importantly, eat less and eat often. Change from eating three meals a day to a habit if smaller meals 4-5 times in a day. This will keep the sugar levels stabilized in your body throughout the day.

Artificial sweetener as the last resort

Use artificial sweeteners but only as the last resort. This is for those people who cannot fight their sweet tooth anymore. Use it in coffee and tea or the cake if at all you really have to eat it. However, do not use it too much. High intake of artificial sweetener is known to cause cancer. You can also switch to the more natural sources like honey.

Reward and punish approach

Exercise daily

Exercise daily

If you have been controlling your sugar diet for some time then make sure that you reward yourself by indulging into a sweet dish of your choice. On the other hand, if you have been guilty of not being able to control your sweet tooth then punish yourself by taking few extra rounds of the park during your workout the next day. This reward and punishment approach goes a long way in keeping sugar intake controlled.

Cutting out sugar is not that easy. It requires a lot of discipline to cut it out from your diet. Cutting sugar out becomes even more difficult when you see your friend, son, or anyone else indulging into the sugary delight. Therefore, more than technique it requires a strong decision.


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Fixed Rate Vs. Adjustable Rate Mortgage – How Much House Can You Afford?

Posted by Peter Rolands in All-Peter Finance Articles

You must understand the mortgage policy before you make your decision

You must understand the mortgage policy before you make your decision

Fixed Rate Mortgage (FRM) features steady monthly payments overtime. On the other end, adjustable rate mortgages come with varied installment payments. What is more, the initial fixed rates of the adjustable rate mortgage are relatively lower than those of a comparable fixed rate mortgages. And anytime to determine how much of a house you can afford, these two types of mortgages should definitely be worth your consideration. How much house can you afford?

Adjustable Rate Mortgages (ARM)

One great advantage about this mortgage is that it allows borrowers to leverage falling rates without a need to refinance. This means that instead of having to pay a whole set of closing fees and costs, adjustable rate mortgage borrowers only sit back and watch the rates and their debts fall. Therefore, if you have a stable source of income with varied pensions and some allowances within, you can secure a highly inclusive house for the modest sum- after all, you will not only get the value of your money, but you can potentially have little to pay after a scaled mortgage due to falling rates.

Lending Complexes to Borrowers

Analyse your options

Analyse your options

Not many are able to understand every aspect of ARM mortgages other than those who offer them. This is because lenders enjoy their flexibility in determining adjustment indexes, caps or even mergers. This is done in an unsophisticated fashion borrowers can easily get confused. Therefore, if you know you can afford a certain house with this nature of mortgage, try as to understand every aspect of it, as each misunderstanding can potentially screw up your mortgage payment status.

Fixed Rate Mortgage – Easy Budgeting due to Stability

This mortgage allows borrowers to easily manage their finances as they are certain of what to pay and when. Therefore, this means that there is an easy budgeting as the rates are fixed and the installments are equally intact. Also, the fixed rate mortgage is basically great for first time borrowers as they can easily understand every bit of it. Indeed, since both the rates and the payments remain constant, you will never encounter surprises suppose an inflation surges beyond control.

Fixed Rate Mortgage’s Negative Side

Unfortunately, unlike ARM mortgage holders, those with FRM have to refinance in an occurrence of falling rates. This therefore comes with a lot of distortions including several hours digging in tax forms, several trips to the office of Title Company and a few thousand bucks as closing costs. Nevertheless, since you can do this within a week’s span, it makes sense to secure a fixed rate mortgage over the adjustable. You will definitely love to manage your finances, enjoy an easier budgeting and counter surprise in case of inflations.

Fixed Rate Mortgage Vs. Adjustable Rate Mortgage – The Dualistic Approach

Mortgage Loans

Mortgage Loans

Both fixed and adjustable rate mortgages feature varying merits. However, depending on your financial footing and many loan statuses, it makes a pretty good sense to leverage the former. However, this doesn’t mean that adjustable rate mortgages are any bad, they can be awarding as we have seen. And anytime, you can leverage this dualistic approach in the two types of mortgages and determine how much house you can afford.


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How Organizing Your Emails Can Make Your More Productive

Posted by Peter Rolands in All-Peter Business Stuff

Almost everyone use internet to send important messages

Almost everyone uses the internet to send important messages

We are over with papers and pencils, receiving mails for communication, and typewriters, we are now in the modern world where almost every office transactions is done via computers. This is the reason why our inboxes are the busiest destinations of all our emails.
Every day, we receive many notifications from our head offices, reports within and from different branches, and the most bulky mails come from our subscriptions from online newsletters and other services. We are sometimes bombarded with spam emails, which mess with our work and results to unproductive day.

Decluttering inbox to determine the non-important and important messages

We might think that some messages in our inboxes are not as essential as others do. However, we still read them because occasionally, we need some details from those email subscriptions. There are easy steps in organizing these important and non-important mails, which are piled up below:

1) Creating subfolders – making those mails go directly to their specific folders is a big help in decluttering process. You need not to read each mail just to identify if it is important or not. Just by getting the email of the sender, you can program your inbox by setting up these subfolders and this would sort things out for you.

Organize your inbox

Organize your inbox

2) Putting Labels – this is important especially in marking those emails depending on their status if they are emails with clarification, pending, needs reply, needs to be forwarded, and whatever status you would want to label your mails.

3) Activating Spam Folder – in case that you have subscribed to spam senders, in order to get rid of them, create a specific folder so that you can just directly erase them all.


Why organizing your emails is important?

The reason is very obvious and that is to make things easier for you. On the long-term effect, this decluttering process can make you more productive. Just ponder on these few thoughts:

1) Bulks emails would be easy to handle since those emails have their own specific destinations.

2) You will not suffer from stress anymore because you will get reminders on those pending emails that you need to attend to just by looking at the labels you have created.

3) Your day will not be ruined by those spam emails because with just few clicks on their designated folder, you can easily get rid of them by deleting them all.

Organizing your emails would make it more functional

Be organized, be productive

Be organized, be productive

Consider the fact that you will need your inbox for any office transactions. Emails are very important stuffs at work and no matter how bulk they arrive in your inbox; you will need to deal with them. Sorting things out would make your inbox more functional since you could pay attention on those important emails that you receive. You could give prompt responses for any queries, which makes you also a functional employee.

Managing your emails is maybe just one of your minor tasks you deal each day but if you spend time in organizing them that would surely have a big impact in your overall performance.


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