Joomla! site syndication http://www.praisevalley.org Sun, 05 Sep 2010 20:03:15 +0100 FeedCreator 1.7.2 http://www.praisevalley.org/images/M_images/joomla_rss.png http://www.praisevalley.org Joomla! site syndication index.php?option=com_content&task=view&id=68 Nestled atop a portion of land overlooking the man-made Caliraya Lake in Lumban, Laguna is an idyllic and pristine piece of property that offers more than the amenities of a usual retreat house. For one thing, Caliraya Re-Creation Center chooses an in-design of fairly humble innovations for rest and relaxation. For another, the resort gives off a melancholic and quiet feel that has guests getting easily in tune with nature and with God. SpotLight - Copy of Evangelism Mon, 13 Aug 2007 00:25:01 +0100 index.php?option=com_content&task=view&id=35 by Crown Financial Ministries One of the most difficult budgeting problems for families with fluctuating incomes, such as those whose salary is based on commission sales, is knowing how to allocate monthly spending. The normal tendency is to spend the money as it comes in. This works great during the high-income months, but it usually causes havoc during the lower income months. Living on a fluctuating income can be very deceiving—and difficult. However, families with fluctuating incomes need budgets even more than families on fixed salaries. Many people on variable incomes get trapped into debt because they borrow during lean months and spend what they make during high-income months rather than repay what they had borrowed. There are two things to remember when budgeting on a fluctuating income. First, always separate any business-related expenses, such as car maintenance, meals, or living accommodations from household expenses. Separate checking accounts and separate credit cards for business expenses are most advisable. Second, estimate the average annual income (low estimate). Divide the annual income estimate by twelve, and then develop the monthly budget around that amount. News Feature - Feature News Wed, 15 Oct 2008 00:00:00 +0100