johndhaleband is a blog which helps people know what they want to achieve in life


They call me John. I used to be unemployed but now he is a database administrator. One of the most extremely best things around the world for me is baking and now i am trying to cash in on it. Indiana is where my home is.

“When you innovate, you’ve got to be prepared for people telling you that you are nuts,” says Larry Ellison, the founder of Oracle.

“Never give up. Today is hard, tomorrow will be worse, but the day after tomorrow will be sunshine,” says Jack Ma, the founder of the Chinese ecommerce megaloth Alibaba.


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2505, 2017

A Place on Where To Go In Cebu City?

TOP Places to be in when you are in Cebu City Philippines!


Cebu is an entire province in the Philippines fully focused on tourists and people who want to see a different part of the world. Each year, millions of people from all parts of the globe come here. If you want to become one of them, you will have to know which places should be visited. Cebu Tourist Destinations come in a high number, so if you are short on time, visiting the ones that will appeal to you the most is a wise thing to do. Anyway, we listed some of the places, areas and interesting locations which should be seen.

  • City of Cebu
    City of Cebu

Obviously, when you are in Cebu province, visiting the city with the same name is essential. It is a mid-sized city which is actually completely different than the capital Manila. Here, you can enjoy beautiful things, visit plenty of interesting monuments and historic places, while spending time on a beach anytime you want.

The food here is extraordinary as well. It is one of a kind and it is simply delicious. Some of it can be tried here and only here, so take some time into just eating. Buying something you always wanted is also recommended, thanks to a variety of shopping malls, markets, hotels like Southpole Central Hotel and shops. Regardless of your age, you will have a great time here, so the City of Cebu must be your priority. Why to enjoy Cebu City? The entire city is focused on you, providing an unforgettable experience.

  • Moalboal

At the first sign, you may believe that Moalboal is a Panagsama Beach. It is a crowded and relatively small beach where finding space is a knowledge. Actually, the real Moalboal is located 90 km outside the city. We liked this place due to several factors. It is wonderful for all of you who want to dive, swim, enjoy precious sunsets and enjoy beautiful meals. As such, take some time for visiting this place.

Maybe you also believe that this trip will cost you, but it is a common mistake, nothing more. Coming here actually, costs 30 pesos if you travel with habal-habal or 100 pesos with a tricycle. Don’t get lost, so make sure you travel to the west from the city.

  • Malapascua Island
    Malapascua Island

For those of you who want something more challenging, visiting the Malapascua Island is a great thing to do. It provides several, original attractions. The main one is swimming with the sharks. It sounds scary, but actually, it is incredibly safe. There were no mortalities and each person who tried this kind of swimming wanted to do it again. All sharks here are thresher sharks. Nowhere else they can be seen in shallow waters, which made the place a bit special. We will also add adorable beaches and trees that will give you plenty of needed shade. In essence, this place should be visited, period.

Most of you will come from Maya. There are a sufficient number of boats between these two places, but just in case, if you miss the last one, go to Abba Family Lodge. It is located next to the pier, literally 100 meters, and you will spend a night in a wonderful family-owned cottage. Yes, it is affordable as well.

  • Bantayan Island
    Bantayan Island

Here we have a place which is entirely directed towards relaxation. There are no so many things you can do here, but just relaxing and drinking a drink are sufficient for most people. White beach is one of a kind and it has been commonly defined as one of the best-looking beaches in the Philippines.  The city here which deserves your attention is Santa Fe. 10 kilometers from the city is another town. It is called Bantayan city and it is the heart of the island. While Santa Fe is all about relaxation, Bantayan is more of an elite and administrative place.

Holly Week is definitely the time when you need to be on the island. The entire island will be completely transferred into a fiesta. You can even rent a home of a local family and throw a party. Even better, the entire island is optimized for parties. Top tip: Prices during the Holly Week will be significantly increased. Make sure to get reservations as early as possible.

  • Lapu-Lapu (Mactan Island)
    Lapu-Lapu (Mactan Island)

Mactan Island is commonly known as Lapu-Lapu, so don’t get confused if you hear this term. This is the place where you will land if you come with a plane. It is next to the City of Cebu and it is connected by 2 bridges, so reaching the main city won’t be an issue. Here you will be able to get all-day relaxation and to have a great time with your friends. The entire place is filled with resorts, so finding space is easy and simple.

The airport offers excellent connections to other parts of the world. The most common destinations are Hong Kong, Korea, and Manila. If we assume that you will land here, it is advised to spend a few hours before moving to the City of Cebu (you will probably go there first). Interesting: Some tourists stay the entire vacation in this place, without visiting any other island or a city.

  • Olango Island
    Olango Island

From Mactan Island, you can take a Bangka and in less than 20 minutes you will reach this island. With more than 1030 hectares of white-sand beaches and lovely sea, you will have a great time, that’s for sure. The island is commonly visited by bird enthusiasts due to the fact there are 48 different species, including some of the rarest on the planet. It is a bit isolated, which also made it suitable for all of you who want privacy.

The key element here is when to come. During October and November, tourists from Australia and East Asia will dominate the island. During February and March, people from Europe and the United States come. Make sure you follow one of these choices, simply because then the tide is the lowest, so you can swim safely, while birds come to the beach as well.

  • Toledo

Toledo is a small town which deserves a few hours of your time. Here is all about the adventure you will get while reaching it. In other words, you will need to take a bus which will travel between 1 and 2 hours from any other city you are in at the moment. During the travel, you will meet a lot of interesting people who will share their story with you. The city itself is small and offers decent accommodations, but this is usually another advantage of the small city.

Reaching the city will cost you 30-10 pesos, depending on where you come. Usually, buses are the main choice, but driving is an option as well. In general, you will invest your vacation time into exploring Cebu.

  • Lilo-an

Lilo-an wasn’t a desirable place to visit a few years ago, but today, it is one of the priorities. It is completely remodeled and improved, purely for tourists. It offers advanced accommodations and a great beach. Anything you like is a few minutes away and getting to another place is easier than ever. Most of you will want to go to Sibulan and luckily, there are a lot of boats to meet your demands.

Regardless of what you want to see, this island has it. You should make a few hours or one day to spend here.

  • Danao

Danao is a small city on the coast. Obviously, this should be the main reason why it has to be visited. In reality, there are plenty of more reasons why you must come here. It is relatively close to the City of Cebu, only 25 kilometers, so reaching it won’t be a problem. You can get a taxi, habal-habal or a bus. For history enthusiasts, this is the place to visit first. The main attraction is the famous St Tomas de Villanueva Church. It was built in 1755, but over the years, it was almost completely ruined. The local government rebuilt it in 1981 and now it is more beautiful than ever before.

Accommodations are entirely focused on the sea. After all, this is a coastal city. On the other side (literally another side) you will be able to see amazing mountains. You can take some time and go hiking. All of the mountains you can see are close to the city and there are great paths across them. Once you get bored here, take a boat to Consuelo or Pacijan Island. There are several boats per day.

Don’t forget

Don’t forget to move around and explore the Cebu province. It is the place literally made for travelers who want to see something different and unique. You will have a great time, here regardless of what you want to do and what you want to see. Maybe you want to swim with the sharks, to dive or just to take pictures of monuments. All of this is possible in Cebu province.



1905, 2017

Real Estate Market

What Is The Meaning Of A Real Estate Market?

Real Estate marketing

With the term, real estate, we usually mean that it is a kind of property, which includes a building or land. It also comprises all the related fixtures, such as, fences, plumbing or heating units. While you deal with any real estate, you perhaps focus on a specific property. However, the overall real estate market is also an important factor. Most of the common people or property owners do not have any idea on this market. When they make any decision, they think of whether the real estate market is favorable to meet all the targets.

Buyer’s markets to buy real estate at a good price

When you want to buy a new house in your area, you have to concentrate on the real estate market of the buyers. There’re lots of houses, available to you for the purpose of selling. And that is why it allows the buyer to have multiple options to choose a perfect house. While it is a cold property market, most of the sellers like to make negotiation. In other words, you will be able to get a building or land at a price, which is lower than your expected rate. Sellers may also be eager to make payment for the cost of closing deals.

This market crops up while the level of supply goes beyond the number of property buyers. When you are procuring the house, this market seems to be the best time for taking any step. You can also be lucky to purchase your dream house at a very low price. When you are attempting to put up your real estate for sale in a buyer’s market, your goal may not be accomplished very easily. Often, you will also need to reduce the listing rate for securing a client.

Certified property agents, representing the buyers, usually give information on the comparable houses, sold recently in your locality. Such reports also reveal the possible rates at which the houses are sold, and it enables buyers to make out a suitable price for the building, intended for sale.

Homebuyers, with much patience, wait for some better transactions, and they get the best reward, while sellers begin to decrease the listing rates for meeting buyers’ needs. A restrain on the increase of the property price is the major sign, which indicates a possibility of shifting towards buyer’s market.

real estate at a good price

Seller’s market for real estate

This is such a market, where the number of real estate buyers is more than the supply level. There’re lots of investors, who like to buy property. However, the real estate, available in the market, is not enough. Often, it results in a situation, when several buyers become interested to buy a particular property. This market seems to be a wonderful time for selling a house because you may set a selling rate, which is higher, in compared to the listing one.

While you have decided to purchase the house in this market, you have to be careful of the advantage, often taken by seller.

While other property buyers become attracted to the same real estate, you won’t get lower selling price. You may lose a chance for buying property, while other available buyers agree to pay a higher rate.

Neutral markets for real estate

Such market is well balanced, and the rates of interest are also much more affordable. You can find an equal number of sellers and buyers. The sale rates are almost similar to the listing rates. Number of sales is also stable. Besides, the promotion on property also stays consistent.

Neutral markets

How to identify the market

One of the best ways for determining the market is by looking at inventory. While this inventory turns out to be much low, you can recognize it as the market of sellers. The market on real estate is not consistent, and it varies on the basis of a season. Usually, you may get several houses for sale during the hotter season. However, this market can also differ depending on the specific area.

Selling and buying in various markets

The experienced agents, dealing with real estate, may be competent to make a strategy to create the most excellent deal in any market. While you are planning to sell property, they know the maximum level of price that you may request. On the other hand, when you are purchasing real estate, they know everything that you should offer for competing with many other possible buyers. So, contact a property agent and know the market that is best for your deal.

identify the market

3112, 2017

5 Things You Need to Know About the Sporty Phaiser BHS-750

Most people are fond of jogging around the neighborhood as a form of an exercise. Having a fitness partner is great, you get to talk while you run. However, if you are alone and you wanted to entertain yourself while running around, why don’t you consider wearing a sport wireless headphone?

I first bought my wireless running headphone a couple of years ago. I use it whenever my cousin can’t go jogging with me in the morning, and it kept me alive and fueled all throughout the jog because my favorite playlist is playing. Now, if you wish to take your jogging to a whole new level, why don’t you consider investing in a running headphone? Who says you need a companion to have fun when you have the new Phaiser BHS-750?

Here are the five things that you need to know about this wireless Bluetooth headphone and why it’s selling pancakes on the market today.

1. Phaiser BHS-750 is a newly-improved design

Phaiser Bhs-750 Bluetooth Headphones Runner Headset Sport Earphones With MicIn this Phaiser BHS-750 review, we’re going to point out the latest innovations of these wireless earbuds that are not present in the previous models such as the BHS 730’s. Compared to it, the Guide on Phaiser BHS-750 Bluetooth headphones by Ironhorsetrading have a shorter length so rest assured that it wouldn’t stick out to the ears while you’re wearing them. Aside from that, an LED is noticeable in this model. It is located in the control that indicates the battery life of your wireless headphone.

What I like the most of these improvements is that the earbuds are angled and not straight compared what I have been expecting. In that way, it’ll be easier for you to push the earbuds. And what makes this headphone stand above the crowd? The minimalist design. At first look, you’ll think that these high-quality sports headphones are manufactured by a leading company when in fact, Phaiser is just starting out. The combination of black and white screams elegance, but you can also choose the red and blue ones if you want something bolder and eye-catching. Aside from that, the manufacturer added some silver you can find in the middle of each earbud.

2. Phaiser BHS-750 is a cost-effective investment

In the package, the manufacturer included several accessories that can improve your user experience with these headphones. A solid case, ear hooks and tips, clips, and USB cable for charging. If you want to make the most out of this headphone, we highly recommend that you take a look at the user’s manual that is also provided.
And the price? It’s quite reasonable for a pair of high-quality earbuds and inclusive accessories. Phaiser is known for being budget-friendly to their customers, so it’s a good investment if you are looking for a sports headphone that you can use while jogging or hitting the gym.

3. Phaiser BHS-750 is a perfect fit

Now let’s take a look at the fitting of this sports headphone. Examine the ear tip, and you’ll find a small ear hook attached to it. You will push these hooks to the concavity of your ear so that it’s tightly locked because of the pressure. Now, considering the fact that the ear size varies from person to person, as well as the shape so we encourage you to try out the headphone for a few minutes to see if you are comfortable using it. Make sure that the hooks and tips are already attached when you try it. Some people are comfortable using a smaller size while some are required to use the bigger ones. The last thing that you’d want to experience is worrying that your headphones will fall every step you take because it can’t stop wiggling.
So what makes the Phaiser BHS-750 the perfect fit? It’s the materials that are specifically designed to provide softness and comfort to your ears. And the good news is that you don’t even need to adjust it anymore! These sports headphones have the standard size of tips and hooks attached.

4. Phaiser BHS-750 is perfect for regular use

BHS 750 HeadphonesWhenever I go jogging, I wanted to block out all the background noise, so it’s only my favorite song flowing into my ear. Good news for you because the Phaiser provides the set of Comply T-400 memory foam tips. Compared to the previous models and standard tips you can find in any earbuds out there, it’s much softer and efficient in sealing distractions. It can help you enjoy the music while you’re running and just feel the moment. Jogging has never been more fun with the help of these sports headphones.
Also, wearing these headphones for continuous hours doesn’t feel bothersome or uncomfortable at all. It doesn’t stick out to your ears as other earbuds do, and it also doesn’t make your ears hurt even if you wish to use these headphones non-stop.

5. Phaiser BHS-750 is compatible with all devices

I have less of no trouble when it comes to pairing my Bluetooth headset with my devices. Regardless if you are using an IOS phone or an android phone, there is no limit. Even laptops with built-in Bluetooth can access this headset. Just make sure that you enable the Bluetooth on your device before you even try pairing it.
The device ‘Phaiser’ will automatically appear on the list of available devices. Once you have successfully connected your Bluetooth to your phone or laptop, an automatic voice prompt will notify you shortly. For the wireless connection, it can work for up to 30 feet only. Just make sure that there are no hindrances with the connection otherwise the wireless distance will decrease, or the connection will be lost.


A casual exercise will never be complete without listening to your favorite music. It can keep you entertained and motivated in the process. Aside from that, a good music means you’ll also have an excellent warm up. If you don’t have someone to jog with you this Sunday morning or you just find the motivation in music to keep you running, the Phaiser BHS-750 wireless Bluetooth headphone is the one that you are looking for. We hope that this Phaiser BHS-750 review has helped you to choose the right pair of Bluetooth headset for you and your friends.

2708, 2017

How Much Money Can You Get From Lendingtree?

After you have determined that LendingTree is your first alternative, the main question is, how much money can you actually borrow? Sadly, this question deserves plenty of attention and explanation, due to the fact the amount of loan depends on multiple factors, as you already know. LendingTree personal loan review from AAA Credit Guide must include this amount, but still, most of the sources want to keep it as a secret, due to a good reason. They will simply make ‘’tweaks’’ according to their needs when it comes to borrowing your money.

Loan must be repaid between 1 and 5 years

Regardless of the amount of money you borrow, it must be paid back between 1 and 5 years. Longer payback periods are not supported. Now, the answer to the main question. The amount of money you can borrow will vary between $1.000 and $35.000.

Don’t forget that APR has a huge role in the entire process. For example, if it is 12%, you will have to pay each month $335, in a case you borrowed $10K. On the other hand, if the APR is 7% the monthly payment will be $312. In the first situation, you will have to pay back $12.000 while in the second case you will have to pay $11.200. As you can see, this allows you to save more than $800 in interests only.

APR stands for annual percentage rate of charge and it represents the interest for the entire year, rather than monthly values. It is a strategy commonly used by all peer-to-peer borrowers.

LendingTree has a variable APR rates. As a matter of fact, they can be between ^% and 36%! The percentage depends on your credit.

Need for a Personal Loan

Apply today

This title simply should explain to you how the applying process is simple. While you have to apply with multiple forms, which are time-consuming and annoying, LendingTree requires just one form. It can be completed via the internet or email address and it will be processed as soon as possible.

Once the request is sent, a loan officer will contact you in the shortest period of time. Keep in mind that LendingTree operates in all states and it is one of the most popular choices.

One-time email account

Additional reasons why lending companies are so successful is the fact they sell the user information to the marketing companies. LendingTree is no exception! As the result, you will get constant calls and offerings to get a better loan, or etc.

We have found a solution for this issue. All you will have to do is to create a new email address, as simple as that. Keep in mind that the password should be remembered because you will want periodically to check for new messages. If the advertising becomes annoying, simply deactivate your email address and you are safe.

Is LendingTree safe?

LendingTree safe

Yes, they are more than just safe. This company has been among us since 1996, under the name CreditSource USA. The founders are Doug Lebda and Jamey Bennet.

The company changed the name in 1998, getting the one you can see today. In 2000, they become a public loan company, which they stayed ever since. Then they were acquired by the InterActiveCorp and later by the Tree.com.

The bottom line of this aspect is the fact LendingTree isn’t a scam company nor anything similar. They are some of the oldest and the best-developed peer-to-peer companies you can use today. If they weren’t, we won’t be discussing them right now!

Differences between LendingTree and other companies

In the lack of a better word, we must say that LendingTree is completely different than other peer-to-peer companies. First and foremost, they act as a broker, meaning that they will use their connections to link your request with lenders from the database. Once they are done, they won’t be responsible for the outgoing process.

The mentioned fact is an advantage and disadvantage at the same time. Yes, you get the ability to choose the best rates and the best lenders, but we didn’t like the fact LendingTree will end their services then.

The unique way how they operate is intriguing no less. A possibility to choose between different lenders has a huge, positive effect on the loan, duration and the payback time.


LendingTree is one of the top companies of this kind and it is more than just recommended. When it comes to the variety of possibilities, they are truly the best. You should use them because chances are high you can get the highest loan.

505, 2017

Healthy While Touring

To Stay Healthy While Touring/Traveling 

safety when traveling


Maybe you have prepared a visit months or possibly weeks ahead of time, nevertheless you also have to invest your own time alone within the accommodation and receive ill throughout the trip when the full time involves have some fun? Obviously, this really is something which no body really wants to encounter. With you, I’ll share in this essay several strategies for keeping balanced all the time through your moves from occurring to avoid this sad situation!

  1. By performing exercise, some cycling or lengthy hikes, one has the capacity to situation the muscles for all those excursions that are lengthy. By acquiring data on the current weather or environment in order to pack the situation of the drinking tap water and also the best garments for that journey are simply a few examples you can also focus on. One has the capacity to prevent obtaining any nausea in the water prior to going to some location with suspect water resources by buying water purification pills.
  2. If one is getting medicine, it should also examine when the medication one is transporting is permitted within the location where one will prevent any issues with traditions and is better to pack adequate inventory for that journey.
  3. Prior to going on the lengthy journey it’s better to possess a great dinner. Check ins in airports is lengthy prior to the flight gives its guests the foods and it’ll take a moment.
  4. On the lengthy journey that may take hours by any style of transport, it’s greatest to time from time to extend or walk-around to move the blood in the torso. It’s also recommended to consider the correct medication at least one hour prior to the journey for that medicine should you suffer with motion sickness while touring.
  5. Water is essential and it’s better to purchase bottled water in the institution if you’re uncertain of the plain tap water accessible.


By getting these required safeguards, you’ll be way in front of many people to keep oneself balanced (and secure!) during your journey!

505, 2017

Travel Trips

7 Strategies For Travel Trips

Travel Trips

We enjoy getting a trip by air-to some remote unique location, or excursions, be it a brief road-trip. But frequently we neglect to arrange for our journey and also the outcome is irritation and disappointment.

1. For roadtrips, obtain the routes that are correct and prepare your path completely. Atleast you will have significantly less unpleasant shocks, although everything wont move precisely to strategy.


2. Never create a laugh about terrorists or weapons near protection at an airport. Lots of people have described as their baggage has been examined, they’ve a little blast within their situation. Later in the police stop their ignorance was seriously regretted by them.

3. Be instantly dubious in train airports or coach channels when you are bumped into by somebody. It might be a pickpocket. Even be conscious if anything is built on you, or perhaps a spot-on your apparel is stated to you. These specific things are made to disturb your interest from what’s truly happening: the valuables’ robbery.

4. There’s apt to be several additional items which you need to plan for although cruises create planning simple using their all-in costs. These contain, etc, taxes showing, beverages, some shore activities, buying acquisitions.

5. The obvious factor before leaving on the international journey to confirm may be the state-of the neighborhood climate where you stand currently heading. Whether it’s raining, or in a hair cover whether it’s within the 90s that you don’t wish to get to a tee-shirt.

6. While going with kids carry current pictures of every one along. The picture may prove important in assisting to find the kid again if your kid gets dropped.

7. A visit to some theme-park are affected from the insufficient thorough planning. Some areas are so large that planning is important. Obtain a listing of a chart of the playground along with all of the trips, in addition to starting and final situations, before leaving.