Importance of a consolidation loan

Loans are the most common concern not only among businesses but in every ordinary household. Now that the world is experiencing an economic turmoil, it adds on the burden of people especially in dealing with their finances. At the end of every day we are still trap to think of how we can move on and deal with our obligations religiously.

Credit card debt is one of the most common indebtedness most of the people are in right now. Actually I am one of those but it is not because of my luxurious lifestyle or extravagant purchases. It is because I used the money card as additional capital for my parents’ business and we pay thru the income generated from the business. There was an instance where my several credit cards’ balances simultaneously went up but I was able to manage it by consolidating everything. We can not get over it if we just pay the minimum amount due. The outstanding balance will continue to blow until we find the best remedy. Based on my experience consolidation loan was the answer. By consolidating all the loans and get one loan to pay for those will enable us to handle our obligations with more convenience, lesser pressure, lower interest rate and minimal accounts to handle.

Banks are providing also their card holders a more convenient way to settle their balances. One effective and simplest way is the inter-banks’ Balance Transfer. If you find a hard time getting a bank loan then this transfer will be a big help.

There are other loans some or most of us are dealing simultaneously like student loan and car loan but the bottom line is how we can deal with them in a more reasonable, logical and best possible way.

Jessica Cox: Her life.. Her story..

I heard this one over the radio. Can you fly an airplane without your arms? If you can't well check this inspiring story of a Filipina. Last year, 26 year old Filipina Jessica Cox was the first and only Federal Aviation Administration (FAA) licensed pilot to fly an airplane using only her feet. Wow! That was amazing. This girl can fly a plane, drive a car and a Taekwondo black belt holder but she was arms-less since birth. I can’t imagine the hardships she went through as she grew up. But of course the person behind all these achievements and who never let her down but moreover supported her all throughout everything is her ever loving mother.

She was born in Tucson, Arizona in 1983 but doctors can not explain why she was born without arms. Aside from her mom, Jessica strongly believed that her being a Filipina is a huge part of her being. Her being independent and that somebody who has the courage to come out in the open and do things without having fear, are things she attributed to being a Filipina. This time she wants to be a scuba diver someday.

Feast of Saint John the Baptist

Yesterday was the feast of St. John the Baptist (Joannes Baptista, John the Baptizer, John the Forerunner, Juan Bautista, Yahya the Baptizer). I have known this feast when my grandparents and parents got a stall in San Juan City almost 2 decades ago. The celebration has always been fun and people are all in the streets to greet everyone with water. Aside from that, the city held their annual street dancing.

But not all the cities and towns celebrate it that way. Some have the traditional procession while others lined up many dressed lechon to commemorate the birth of their patron saint. Among some of the places that celebrate the feast aside from San Juan are Negros Occidental, Silay City, Pangasinan, Nueva Ecija and Balayan, Batangas.

Forbes' World's Highest-Paid Athletes

Pound for Pound boxer, Manny “Pacman” Pacquiao, is the highest-ranking of the four newcomers in Forbes’ World’s Highest-Paid Athletes. He earned over $40 million over the last 12 months for him to bag the 6th rank in the list. His 2 blockbuster fights with Oscar De La Hoya and Ricky Hatton plus numerous endorsements in the Philippines gave him the millions.

Forbes’ list of the highest-paid athletes, looks at earnings derived from salaries, bonuses, prize money, endorsements and licensing income between June 2008 and June 2009 and does not deduct for taxes or agents' fees. Overall, the top 20 earned $789 million, down 1% from last year. The cutoff to make the list was $30 million. Below are the Top 20 athletes:

• Tiger Woods - $110 million
• Kobe Bryant, Michael Jordan & Kimi Raikkonen - $45 million
• David Beckham - $42 million
• Manny Pacquiao, James & Mickelson - $40 million
• Valentino Rossi - $35 million
• Dale Earnhardt Jr. - $34 million
• Roger Federer, Shaquille O’Neal, Oscar De La Hoya, Lewis Hamilton & Alex Rodriguez - $33 million
• Vijay Singh - $31 million
• Kevin Garnett, Jeff Gordon, Derek Jeter & Ronaldinho - $30 million

Safe & economical LASIK

I’d been wearing my eyeglasses for years now. I am nearsighted person and my eyeglasses help me see things quite far from my location. It is really hard to have a sight like this but wearing an eyeglasses add to the burden. I am not interested to wear contacts because for me it seems like I’m wearing a frameless eyeglasses and I don’t have time for the cleaning and maintaining such stuff. One day, I heard over the radio that the broadcaster underwent some sort of Lasik procedure and it was very successful. It brings back his vision, safe and clear. I got interested with it so I explored the net about this procedure. For me, that sounds very economical rather than spending money changing my frames and lenses.

Did you know that over a lifetime, a 25 year old wearing extended wear contacts will spend upwards of $20,000? Choosing modern LASIK, also known as iLASIK, invests in your vision and can save you money in the long term.

Today, when every penny counts, many Americans and other nationalities with vision care expenses are taking another look at modern LASIK. How it goes? The iLASIK procedure, combines Wavefront mapping technology with two lasers for a safe and completely tailor-made procedure. It is covered by most health savings accounts, offering a tax deductible way to pay for better vision.

Check this out:
"For me, iLASIK will pay for itself in seven years by eliminating the ongoing cost of glasses, contact lenses and solutions," said Stefanie Fujinami, who had the iLASIK procedure this year with Los Angeles-based ophthalmologist Dr. Robert Maloney. "The next morning I had 20/20 vision -- I could even read the fine print on the toothpaste!"

Such an amazing job and an inspiration to people like me who was a slave of eyeglasses for years now. If we are on the same boat and want this fantastic procedure check them out. For more information and to calculate your lifetime costs of wearing contacts, visit www.iLASIK.com.

Study & computer table in 1

I am a mom to 2 kids and they are both schooling too. If there is one rustic furniture I would love to have for them that would be a study & computer table in 1. But I don’t prefer the usual study table we see on the market. I would love to have a spacious table top to accommodate the computer and enough working space. On top of it are 2 rows of book shelves with sliding mirror as cover. In that way, it can be freed from dust and from falling to my kids. Lights will be installed in places to help my kids see what they are looking or doing for. Under the table top, are 2 to 3 compartments in the right corner for the materials or any little stuff plus a sliding panel for the keyboard in the left.

With this particular design, I can see my kids’ school stuff neat and in order as compared to one you see above. My dream design will be a study and computer table in one with shelves and drawers perfect to entice my kids to study. It is a design that will keep everything in order, free from dirt and a desirable study and work place.

Health News: Paget Disease

I just received an email from an old friend about this new kind of breast cancer called “Paget’s Disease.” The sender requested to forward it but instead of doing so I preferred to post it to create more awareness and information among women out there. Below is the content of the said email.

…In November, a rare kind of breast cancer was found. A lady developed a rash on her breast, similar to that of young mothers who are nursing.

Because her mammogram had been clear, the doctor treated her with antibiotics for infections. After 2 rounds, it continued to get worse, so her doctor sent her for another mammogram. This time it showed a mass.

A biopsy found a fast growing malignancy. Chemo was started in order to shrink the growth; then a mastectomy was performed; then a full round of Chemo; then radiation. After about 9 months of intense treatment, she was given a clean bill of health.

She had one year of living each day to its fullest. Then the cancer returned to the liver area. She took 4 treatments and decided that she wanted quality of life, not the after effects of Chemo. She had 5 great months and she planned each detail of the final days. After a few days of needing morphine, she died. She left this message to be delivered to women everywhere:

Women, PLEASE be alert to anything that is not normal, and be persistent in getting help as soon as possible.

Paget's Disease: This is a rare form of breast cancer, and is on the outside of the breast, on the nipple and aureole It appeared as a rash, which later became a lesion with a crusty outer edge. I would not have ever suspected it to be breast cancer but it was. My nipple never seemed any different to me, but the rash bothered me, so I went to the doctor for that. Sometimes, it itched and was sore, but other than that it didn't bother me. It was just ugly and a nuisance, and could not be cleared up with all the creams prescribed by my doctor and dermatologist for the dermatitis on my eyes just prio r to this outbreak.. They seemed a little concerned but did not warn me it could be cancerous.


Now, I suspect not many women out there know a lesion or rash on the nipple or aureole can be breast cancer. (Mine started out as a single red pimple on the aureole. One of the biggest problems with Paget's disease of the nipple is that the symptoms appear to be harmless. It is frequently thought to be a skin inflammation or infection, leading to unfortunate delays in detection and care.)

What are the symptoms?

1. A persistent redness, oozing, and crusting of your nipple causing it to itch and burn (As I stated, mine did not itch or burn much, and had no oozing I was aware of, but it did have a crust along the outer edge on one side.)

2. A sore on your nipple that will not heal. (Mine was on the aureole area with a whitish thick looking area in center of nipple).

3. Usually only one nipple is effected. How is it diagnosed? Your doctor will do a physical exam and should suggest having a mammogram of both breasts, done immediately. Ev en though the redness, oozing and crusting closely resemble dermatitis (inflammation of the skin), your doctor should suspect cancer if the sore is only on one breast. Your doctor should order a biopsy of your sore to confirm what is going on.

This message should be taken seriously and passed on to as many of your relatives and friends as possible; it could save someone's life.

My breast cancer has spread and metastasized to my bones after receiving mega doses of chemotherapy, 28 treatments of radiation and taking Tamaxofin. If this had been diagnosed as breast cancer in the beginning, perhaps it would not have spread...

TO ALL READERS:

This is sad as women are not aware of Paget's disease.. If, by passing this around on the e-mail, we can make others aware of it and its potential danger, we are helping women everywhere.

Please, if you can, take a moment to forward this message to as many people as possible, especially to your family and friends. It only takes a moment, yet the results could save a life.

Independence Day, Constituent Assembly, May 2010 Election...

Republic Act No. 4166 signed into law on August 4,1964 by then President Diosdado Macapagal designating June 12, 1898 as our Philippine Declaration of Independence. More than hundred years ago, great and brave Filipinos fought for the independence and sovereignty of our beloved country. Many of them sacrificed their lives for love of our country. They gave freedom to the Filipino people against foreign colonization.

I don’t know what got into our congressmen and congresswomen’s minds to pass the Constituent Assembly at this point in time. They are denying the inclusion of extending the term of the president and other politicians and only proposed economic revisions. I heard once that part of it is to allow foreigners to own land here in our country. Are these people really too old to forget the sacrifices of our fellow Filipinos to gain the freedom we had since then? Is that the solution they are eyeing for in relation to the global crisis? Or maybe some or most of them have lands to sell and create more money out of it?

Filipinos are simple living people and politicians must admit to themselves that they are the reason why millions of Filipinos living miserably. There are massive corruptions everywhere and poor governance of our leaders. I don’t understand why Congress is pushing to change the constitution alone knowing their very bad image among Filipinos. All their actions are self centered.

I just hope and praying so hard that election will happen and if that time comes I urge each and every voter to scrutinize thoroughly the people they will vote for. We had enough of hardships and troubles. If we want change in our country, we must all realize that change starts from and within ourselves.

Each and every vote of us is a very powerful tool to choose good leaders to rule and guide us. We must learn from our mistakes and experiences. For our kids and loved ones, let us help the May 2010 election happen and cast our votes wisely.

Party & shopping day for the family

The family had just attended a birthday party of one of my nieces. It was held at McDonald’s SM Bacoor branch at around 3:30pm. Unfortunately the celebrant got ill before her party. She had measles and she was hospitalized for several days already due to fever. It was sad not having the celebrant around but the party went fun together with our relatives and friends of the celebrant. We had some games and then after that eating time. Yours truly participated in 2 games: Bring Me (see the video) and the group game (sort of Basketball Cups). I both won in the games. Yipee!!! After the tiring games we had our snacks and ended the party well.

The family did not go home immediately. We went in a computer school to buy a new printer to replace our troubled EPSON Stylus C20SX, hehehe. After some canvassing made we decided to buy the CANON Pimax iP1980. Since we had a multi-functional Brother we bought this one for printing purposes only. The printing procedure is very easy and they have great promo on the warranty. It costs Php2,195.00 with inks (black & colored) already. Right after that we went home coz we’re all tired already.

The host told us to get anything that starts with letter “P” (tagalog or English word). As you can see, I almost searched and exposed all the things in my bag to search for the items. Fortunately with the help of my kids, sisters, niece and nephews I got 14 items that starts with letter “P” and I won the game.

Personal safety & self-defense

As a mom to 2 kids I am really afraid about my kids’ safety once they get loose of my sight. I can never imagine knowing or seeing my kids a victim of crimes that’s proliferating in the community. Also I fear for my husband’s safety who use to travel most of the week due to his 24/7 work not only for any road accident but also on those reported vehicle-related crimes.

I do understand that we have the police force to undertake and protect us but personally I don’t want to 100% rely on their services. Currently, our police force is undermanned considering there are only tens of thousands of them as against the million populations. Also, they are not properly funded and most of the times the stipulated funds go to corrupt officials. Now that the global financial crisis continues to explode blow by blow I’m afraid that petty and big crimes will hit the statistics due to poverty and lack of work.

Personal safety and self-defense are things we need to be equipped of for all the members of our family to fight against bad elements. We taught our kids some basic self-defense to protect themselves while at school or in their school service. At school we told them not to talk to strangers and never get out of their school gates even with a classmate. I never allowed my daughter to wear jewelries and bring any gadget at school because it might cause her trouble. As for hubby, he always locks his doors and never passes by on dark and people less streets. He has a golf club given to him by a friend in placed beside the driver’s seat. At home, we see to it that the screen doors are always lock and we never entertain walk-in sales agent to enter the gate and even inside the house.

Let us always be preventive on everything and be alert on any bad occurrence that will come our way. Remember to take care always and watch out for bad guys.

Back to School promo of Splash Island Resort

Want a great deal for your barkada at Splash Island Resort? Good news!!! This renowned world class facilities resort is offering a promo among groups of people to experience a fun-filled and aqua thrills adventure at a bigger discount ever. If you want to find out how, check the details below:

BACK TO SCHOOL BARKADA PROMO @ SPLASH ISLAND
"BUY ONE TAKE ONE"

RAIN OR SHINE, BARKADA GIMMICK OF SWIMMING WILL BE NON-STOP AT SPLASH ISLAND GLOBAL GUTZ PARK PHILIPPINES.

FROM JUNE 15, 2009 TO JULY 15, 2009 "BALIK ESKWELA BARKADA PROMO" A BUY ONE TAKE ONE TICKET WILL BE OFFERRED TO THE PUBLIC BY GLOBAL GUTZ PARK PHILIPPINES OPERATOR OF SPLASH ISLAND AT SOUTHWOODS EXIT OF SOUTH LUZON EXPRESSWAY (SLEX) BINAN LAGUNA.

TICKET PURCHASE MADE WITHIN THE ONE MONTH PROMO FROM JUNE 15 TO JULY 15 WILL AUTOMATICALLY BE GIVEN EQUIVALENT NUMBER OF COMPLIMENTARY TICKET (MINIMUM 10 PAX).

ADVANCE BOOKING / PURCHASE TICKET FOR THE SAID PROMO DATE WILL ALSO BE ACCOMMODATED.

FOR INQUIRIES PLEASE CALL 0918-9129177 or 986-5058 OR VISIT SPLASH ISLAND.

Chicken Sopas Recipe

Students in public schools already started the SY 2009-2010 with a rainy week. My 2 kids who are separately studying in 2 different private schools have a week interval in their first day at school. My girl who is an incoming Grade 3 (St. Matthew College) will starts on June 8 while my boy (Virgen del Pilar School - Kinder Level) will starts on June 15.

Maybe this recipe will help parents out there to have it for their kids on rainy season. What’s good in this recipe is that you can have it as a dish already or snack plus you can play on with the ingredients. Meaning you can add other ingredients you want to make it more tasteful.

Ingredients:

• ¼ kilo of chicken (meaty part)
• ¼ kilo chicken feet
• ½ kilo of pasta (elbow macaroni or shell pasta)
• 2 pieces plain hotdog cut diagonally (thin)
• 3 cloves of garlic, pounded
• 1 big onion, sliced
• 1 small carrot, cut in julienne strips
• ¼ part of whole cabbage, sliced
• 1 can evaporated milk
• Water
• Fish sauce
• Pepper

Cooking Procedures:

In a casserole, bring chicken meat and feet into boil. Lift first the chicken meat after 15-20 minutes. Add water if necessary. When the chicken feet are tender enough that you can detach the meat from its bone, put in a bowl then remove the little bones. Set aside the broth. After that, bring the pasta to boil until it cooks al dente. Remove the water and set aside the cooked pasta.

Sauté the garlic and onion in a quite deep casserole. Add the chicken meat and feet plus the hotdog with some fish sauce and pepper for about 5 minutes. Add the chicken broth and evaporated milk proportionately followed by the cooked pasta, cabbage and carrots and let it boil for about another 5 minutes. Add fish sauce and pepper to taste. Serve hot.