In today's economy more and more people become victims of a system that allowed them to live maybe more comfortably than what they could really afford. Indeed, the creditors, basically financial institutions, need to improve their incoming cash flow and therefore have no mercy for the debtors.
For people who have tried everything to repay their debt it become impossible to live and their last resort would be to file for bankruptcy, but everybody should do as much as they could to Avoid Bankruptcy. The Clear Debt is there to assist persons in difficulty by first analyzing your financial situation including your income, assets and savings. The website offers miscellaneous tests and useful advices to get someone out of this infernal situation. Of course they will provide personalized consultations and will walk you through the different options that are at your disposition to avoid bankruptcy. If you have already clicked on one of the links above I'm sure you noticed that it is a British website but still is very helpful; I think that being in debt is the same thing anywhere on the planet, maybe the regulations change but owing money is something as old as the world.
Maybe you won't feel concern by this but I think it is good to know what bankruptcy is and what it means since we always hear about it in the media.
Tuesday, December 30, 2008
Monday, December 29, 2008
Champagne!!
For Christmas we bought a bottle of champagne and a small bottle of "Creme de Cassis" which is a Blackcurrant liqueur. See the picture below.
The Creme de Cassis is used like a "syrup" that you mix to the champagne, the result is called a "Kir Royal" but be careful, this syrup is 20% alcohol!
We also got some flutes to drink the champagne because it is the Glass made for it.
I would definitely recommend the Kir Royal for big occasions or if you wish to impress your guests.
The Creme de Cassis is used like a "syrup" that you mix to the champagne, the result is called a "Kir Royal" but be careful, this syrup is 20% alcohol!
We also got some flutes to drink the champagne because it is the Glass made for it.
I would definitely recommend the Kir Royal for big occasions or if you wish to impress your guests.
Friday, December 19, 2008
And why not a nice Watch?
Hi mates!
My husband would really like to have a very nice watch, but they are so expensive! He wants the one that does not need batteries and impossible to scratch with Sapphire Crystal glass. So off course I browsed the web to find some of those for a very good price, and that's by doing this that I found this website about jewelry watches. See by yourself this picture:
This is an Omega and on thewatchery.com the have discounts up to 80% on their luxury watches and sometimes up to 90% on their clearances, and off course don't forget their deal of the day, it really worth it! Last time I checked they had a Movado for $149!!! Over $1,200 saving!! I was so tempted...
With the Free Shipping (for orders over $100) they propose some real good deals. Their selection is very interesting and for all type of prices, up to several thousand of dollars. And of you order now, you will receive before Christmas! So if you're planning on offering a watch, you definitely have to check thewatchery.com.
I always thought that a nice watch was the best type a jewelry to offer because it is very visible to others and it's practical, that's why men prefer this as any other jewelry.
Cheers!
My husband would really like to have a very nice watch, but they are so expensive! He wants the one that does not need batteries and impossible to scratch with Sapphire Crystal glass. So off course I browsed the web to find some of those for a very good price, and that's by doing this that I found this website about jewelry watches. See by yourself this picture:
This is an Omega and on thewatchery.com the have discounts up to 80% on their luxury watches and sometimes up to 90% on their clearances, and off course don't forget their deal of the day, it really worth it! Last time I checked they had a Movado for $149!!! Over $1,200 saving!! I was so tempted...
With the Free Shipping (for orders over $100) they propose some real good deals. Their selection is very interesting and for all type of prices, up to several thousand of dollars. And of you order now, you will receive before Christmas! So if you're planning on offering a watch, you definitely have to check thewatchery.com.
I always thought that a nice watch was the best type a jewelry to offer because it is very visible to others and it's practical, that's why men prefer this as any other jewelry.
Cheers!
Wednesday, December 17, 2008
10 Habits of a Happy Woman
We live in a time where the search for happiness consumes almost all of our time. Try this habits and be a happy woman!!!!
1. Maintain your hormonal balance. Are you moody, exhausted, irritable - anything but happy? Check your hormones. If they're out of whack, then you're less likely to be happy. Make sure you're getting enough protein and vitamins, and decrease your refined sugars and carbohydrates. Also, make sure you eat foods that improve your mood and take vitamins for women.
2. Forgive yourself for your mistakes. This website for women is all about not obsessing or feeling guilty about your past choices or failures is ineffective and unhealthy. Learning to forgive yourself for your mistakes and letting go of the past is a habit that will make you a healthy woman.
3. Connect with who you are. Being a daughter, wife, or mother is one aspect of your life. It doesn't define who you are as a woman. To connect with who you are, take time to connect with your authentic self. The more authentic you are, the more appealing you'll be to others. A healthy woman lives a healthy life.
4. Spend time with people you connect with. Do you feel drained or sad after spending time with a particular friend, coworker, or relative? Limit the time you spend with them. Note how you feel after visiting with particular people; if you feel energized and happy, then they're a good match. This website for women is about respecting yourself and living a healthy life.
5. Speak kindly to yourself. If you beat yourself up for being overweight, a bad mom, or not exercising enough, you just create a downward spiral. A great habit of healthy women is to remind yourself of your achievements and successes. Refuse to say anything negative to yourself that you wouldn't say to your best friend. Being kind to yourself is almost as good as vitamins for women!
6. Listen to your body. I heard Oprah Winfrey say this about 10 years ago: listen to what your body is telling you. Are you emotionally hungry or physically hungry? Feed yourself properly. Are you sad, furious, or depressed? Taking care of yourself is a habit that will make you a healthy woman.
7. Volunteer your time. Find something that takes you out of your comfort zone or that you love to do. You'll feel great that you're helping others out - and volunteering directly improves your physical health. This website for women can encourage you to step out of your comfort zone by taking risks and trying new things.
8. Let go of perfectionism. Strive to do your best, but let go of perfectionist tendencies. Accepting that you're doing the best you can is a habit that will make you a happy women. Letting go of perfectionism is like a vitamin for a woman, and will lead to a healthy life.
9. Use your core strengths. Are you a natural mathematician, writer, or party planner? Discover your core strengths by trying different things until you find what fits. To try new things, take short-term volunteer positions or volunteer for new projects at work or in your community. Healthy women polish their skills and practice their talents.
10. Take time for yourself. This habit for happy women is one I couldn't live without: take time to recharge your batteries and refuel your emotional, spiritual, and physical energy. Spend at least a few minutes alone each day - even if you have to lock yourself in the bathroom to do it! When you're taking time for yourself, find other websites for women. They'll help you lead a healthy life.
Got this from my friend wena :)
1. Maintain your hormonal balance. Are you moody, exhausted, irritable - anything but happy? Check your hormones. If they're out of whack, then you're less likely to be happy. Make sure you're getting enough protein and vitamins, and decrease your refined sugars and carbohydrates. Also, make sure you eat foods that improve your mood and take vitamins for women.
2. Forgive yourself for your mistakes. This website for women is all about not obsessing or feeling guilty about your past choices or failures is ineffective and unhealthy. Learning to forgive yourself for your mistakes and letting go of the past is a habit that will make you a healthy woman.
3. Connect with who you are. Being a daughter, wife, or mother is one aspect of your life. It doesn't define who you are as a woman. To connect with who you are, take time to connect with your authentic self. The more authentic you are, the more appealing you'll be to others. A healthy woman lives a healthy life.
4. Spend time with people you connect with. Do you feel drained or sad after spending time with a particular friend, coworker, or relative? Limit the time you spend with them. Note how you feel after visiting with particular people; if you feel energized and happy, then they're a good match. This website for women is about respecting yourself and living a healthy life.
5. Speak kindly to yourself. If you beat yourself up for being overweight, a bad mom, or not exercising enough, you just create a downward spiral. A great habit of healthy women is to remind yourself of your achievements and successes. Refuse to say anything negative to yourself that you wouldn't say to your best friend. Being kind to yourself is almost as good as vitamins for women!
6. Listen to your body. I heard Oprah Winfrey say this about 10 years ago: listen to what your body is telling you. Are you emotionally hungry or physically hungry? Feed yourself properly. Are you sad, furious, or depressed? Taking care of yourself is a habit that will make you a healthy woman.
7. Volunteer your time. Find something that takes you out of your comfort zone or that you love to do. You'll feel great that you're helping others out - and volunteering directly improves your physical health. This website for women can encourage you to step out of your comfort zone by taking risks and trying new things.
8. Let go of perfectionism. Strive to do your best, but let go of perfectionist tendencies. Accepting that you're doing the best you can is a habit that will make you a happy women. Letting go of perfectionism is like a vitamin for a woman, and will lead to a healthy life.
9. Use your core strengths. Are you a natural mathematician, writer, or party planner? Discover your core strengths by trying different things until you find what fits. To try new things, take short-term volunteer positions or volunteer for new projects at work or in your community. Healthy women polish their skills and practice their talents.
10. Take time for yourself. This habit for happy women is one I couldn't live without: take time to recharge your batteries and refuel your emotional, spiritual, and physical energy. Spend at least a few minutes alone each day - even if you have to lock yourself in the bathroom to do it! When you're taking time for yourself, find other websites for women. They'll help you lead a healthy life.
Got this from my friend wena :)
Tuesday, December 16, 2008
A steady income when you retire
Hi mates!
This post is addressed to my readers who are 62 years old and older, but you're under this age you may still read it as I found this very interesting myself. This is about reverse mortgages or how can turn your home equity into a fixed income when you retire. If one is not planning to his or her home to his or her heirs this system could turn out to be quite interesting.
Basically, once you have reviewed the reverse mortgage process with a HUD (Housing and Urban Development) approved counselor your home will be approved based on its value on the market and how much you still owe on the house, if it applies. Then sum of money is proposed to you that you may take as a lump sum or as a monthly payment. You may click on this link to find more information, Reverse Mortgage Benefits.
Also another interesting fact is that it has nothing to do with your credit score and can represent Tax free money. If you want more detail, reverse mortgage California can provide you advices from HUD approved consultants and can walk through the whole process. Again you must be 62 years old or older.
That's all folks! I heard about reverse mortgages before and I thought I should share this with you, even if you're to young to be concerned, it's still good to know.
Cheers!
This post is addressed to my readers who are 62 years old and older, but you're under this age you may still read it as I found this very interesting myself. This is about reverse mortgages or how can turn your home equity into a fixed income when you retire. If one is not planning to his or her home to his or her heirs this system could turn out to be quite interesting.
Basically, once you have reviewed the reverse mortgage process with a HUD (Housing and Urban Development) approved counselor your home will be approved based on its value on the market and how much you still owe on the house, if it applies. Then sum of money is proposed to you that you may take as a lump sum or as a monthly payment. You may click on this link to find more information, Reverse Mortgage Benefits.
Also another interesting fact is that it has nothing to do with your credit score and can represent Tax free money. If you want more detail, reverse mortgage California can provide you advices from HUD approved consultants and can walk through the whole process. Again you must be 62 years old or older.
That's all folks! I heard about reverse mortgages before and I thought I should share this with you, even if you're to young to be concerned, it's still good to know.
Cheers!
Monday, December 15, 2008
True friends are hard to find....
Moving to different countries is really hard....especially when it comes to make new friends.....I met a lot of friends here in Houston but I don't know if they consider me as their friend. Just hoping they do....hehe
True friendship involves relationship. Many people say, "Oh, she's a good friend of mine," yet they never take time to spend time with that "good friend." Friendship takes time....time to get to know each other, time to build shared memories, time to invest in each other's growth. Failing to be trustworthy with those intimate secrets can destroy a friendship in a hurry. Faithfulness and loyalty are key to true friendship. Without them, we often feel betrayed, left out, and lonely. In true friendship, there is no backbiting, no negative thoughts, no turning away.
Real friends encourage one another and forgive one another where there has been an offense. Yes, It's hard to forgive, believe me. I've been there, knowing that they have hurt you. Good thing I was able to forgive... and of course trying to forget.
Why am I writing this? hmmm...because I'm tired of meeting fake friends here in the U.S.... :(
True friendship involves relationship. Many people say, "Oh, she's a good friend of mine," yet they never take time to spend time with that "good friend." Friendship takes time....time to get to know each other, time to build shared memories, time to invest in each other's growth. Failing to be trustworthy with those intimate secrets can destroy a friendship in a hurry. Faithfulness and loyalty are key to true friendship. Without them, we often feel betrayed, left out, and lonely. In true friendship, there is no backbiting, no negative thoughts, no turning away.
Real friends encourage one another and forgive one another where there has been an offense. Yes, It's hard to forgive, believe me. I've been there, knowing that they have hurt you. Good thing I was able to forgive... and of course trying to forget.
Why am I writing this? hmmm...because I'm tired of meeting fake friends here in the U.S.... :(
Friday, December 12, 2008
Know better what you have!
Ho mates!
Visit this link: http://www.acobay.com/stuff/8839.
acobay helps people who own or use same products, or visited the same places network each other. As you may have noticed if you clicked on the link above, I shared on their website one if the place I visited before.
I guess the more people share about what they own and tell their opinion the more statistic they can compile in order to provide ratings on pretty much anything you want. I think it's pretty smart because if you wish to purchase something you want to read the review from the people who have owned the device for a while instead of those review from magazine which most of the time are biased.
I think it's really useful for electronic stuffs since the technology changes all the time.
You might say that the site is quite new and would need some improvement but just give it some time and it will be a good resource of advices. This one of the reason why the site looks so simple but you don't loose anything trying? They have so many different categories so may find review on pretty much anything, some users even explain how the device operates.
acobay
Cheers!
Visit this link: http://www.acobay.com/stuff/8839.
acobay helps people who own or use same products, or visited the same places network each other. As you may have noticed if you clicked on the link above, I shared on their website one if the place I visited before.
I guess the more people share about what they own and tell their opinion the more statistic they can compile in order to provide ratings on pretty much anything you want. I think it's pretty smart because if you wish to purchase something you want to read the review from the people who have owned the device for a while instead of those review from magazine which most of the time are biased.
I think it's really useful for electronic stuffs since the technology changes all the time.
You might say that the site is quite new and would need some improvement but just give it some time and it will be a good resource of advices. This one of the reason why the site looks so simple but you don't loose anything trying? They have so many different categories so may find review on pretty much anything, some users even explain how the device operates.
acobay
Cheers!
Sunday, December 7, 2008
Tired and Sleepy again!
Last night we attended the birthday celebration of my friend. We had fun with a lot of singing and dancing hehe... The party ended up not so late as I was expecting. I met new filipina friends last night and it was really nice to meet them, especially here in the U.S :)
This morning I woke up really tired, sleepy and lazy but I really needed to get up because my husband and daughter were waiting for me! Meaning....I was really forced to wake up!huhu
I feel like my weekend was not really relaxing because most of the time we're out. Tonight, we will watch wowowee together with my friends! I'm tired but I'm excited to watch this game show because usually, I only watch it on TV. I'm worried though because my daughter is coming with us and we don't know if babies are allowed to go inside. Well...let's try and see...:)
That's it for today pals....have a nice day to all of you!
Cheers!!!
ME getting silly! hehe
Au revoir!
This morning I woke up really tired, sleepy and lazy but I really needed to get up because my husband and daughter were waiting for me! Meaning....I was really forced to wake up!huhu
I feel like my weekend was not really relaxing because most of the time we're out. Tonight, we will watch wowowee together with my friends! I'm tired but I'm excited to watch this game show because usually, I only watch it on TV. I'm worried though because my daughter is coming with us and we don't know if babies are allowed to go inside. Well...let's try and see...:)
That's it for today pals....have a nice day to all of you!
Cheers!!!
ME getting silly! hehe
Au revoir!
Tuesday, December 2, 2008
Good clothes for the winter
Hi mates!
It's getting cold! Even in Texas, but unfortunately I have very few clothes to wear for that type of weather..Especially coats, I find those too bulky and hard to wash because most of them don't go in the washing machine. So I was surfing the web and found this brand, Ogie Kanogie. They have some very nice clothes, especially the coats, they seem so light and convenient! And guess what, that's designed by women for women and it is Free shipping!. Take a look at this picture, this coat is so stylish and it feels like you could wear this anywhere, any season. Girls! This post is for you, remember when you were freezing in that restaurant...if you had one of those you'd feel much better isn't it? Last point, you can sit down with your coat on with no problem..
What's An Ogie Kanogie?
Buying Clothes in a Tough Economy
While it seems everyone has put frivolous purchases on hold, two moms have launched a new business that
comes just at the right time for thinner pocketbooks.
OgieKanogie.com is a new line of women's clothing that's hitting the market with an impressive collection of
14 coat styles.
The Ogie Difference
Affordability: $130-$260 with online promo codes available for a percentage off.
Versatility: Take 'em out on the town or out on the bleacher seats.
Machine Wash-Say NO to dry cleaning!
Quality: Made in the USA.
The Feel: Most styles are so super-soft you'll want to wear them 24/7.
Stylish: Compliments will abound.
So...What's an Ogie?
Ogie Kanogie owners Jamie Hormel and Massiel Bueno spent the last couple of years designing coats and
jackets that would fit their busy lifestyles. The two moms-friends since childhood-included their kids every
step of the way, gathering their input on styles, fit, fabrics and even the company name.
Between living in San Diego and the desert of Arizona, the group knows well the
bone chilling evenings and the cool overcast mornings by the shore. They got tired of freezing in restaurants,
feeling like icebergs in movie theaters and visiting indoor malls set at subzero temperatures.
The idea was to create the perfect line of coats and jackets. They had to be soft and exceedingly
comfortable. They wanted to be able to wear them anywhere-sitting in the sand, on the grass or in the
bleacher seats. Yet, the coats had to look great on the college campus, in the countryside or in the greatest
cities of the world. In other words, Ogies had to be machine washable, durable, versatile and great looking.
Ogie Owners Consider Economy & Unemployment
Jamie and Massiel also wanted their products to be reasonably priced, so everyone could have the perfect
Ogie for any occasion, all year long. Among all of their priorities, Jamie and Massiel thought it important to
have Ogies made in the USA, doing their part to help keep jobs here. Every Ogie pattern is cut and sewn in
Los Angeles, California. Jamie and Massiel are proud to offer superior quality at reasonable prices in today's
market.
Next up:
Ogie Hoodie Dresses are coming soon!
Massiel Bueno is a mother of two and resides in Los Angeles, CA. When she's
not working you can usually find her surfing.
Jamie Hormel is a mother of three kids, five dogs, a pot bellied pig, two miniature goats, and some horses.
She lives in Phoenix, Arizon
It's getting cold! Even in Texas, but unfortunately I have very few clothes to wear for that type of weather..Especially coats, I find those too bulky and hard to wash because most of them don't go in the washing machine. So I was surfing the web and found this brand, Ogie Kanogie. They have some very nice clothes, especially the coats, they seem so light and convenient! And guess what, that's designed by women for women and it is Free shipping!. Take a look at this picture, this coat is so stylish and it feels like you could wear this anywhere, any season. Girls! This post is for you, remember when you were freezing in that restaurant...if you had one of those you'd feel much better isn't it? Last point, you can sit down with your coat on with no problem..
What's An Ogie Kanogie?
Buying Clothes in a Tough Economy
While it seems everyone has put frivolous purchases on hold, two moms have launched a new business that
comes just at the right time for thinner pocketbooks.
OgieKanogie.com is a new line of women's clothing that's hitting the market with an impressive collection of
14 coat styles.
The Ogie Difference
Affordability: $130-$260 with online promo codes available for a percentage off.
Versatility: Take 'em out on the town or out on the bleacher seats.
Machine Wash-Say NO to dry cleaning!
Quality: Made in the USA.
The Feel: Most styles are so super-soft you'll want to wear them 24/7.
Stylish: Compliments will abound.
So...What's an Ogie?
Ogie Kanogie owners Jamie Hormel and Massiel Bueno spent the last couple of years designing coats and
jackets that would fit their busy lifestyles. The two moms-friends since childhood-included their kids every
step of the way, gathering their input on styles, fit, fabrics and even the company name.
Between living in San Diego and the desert of Arizona, the group knows well the
bone chilling evenings and the cool overcast mornings by the shore. They got tired of freezing in restaurants,
feeling like icebergs in movie theaters and visiting indoor malls set at subzero temperatures.
The idea was to create the perfect line of coats and jackets. They had to be soft and exceedingly
comfortable. They wanted to be able to wear them anywhere-sitting in the sand, on the grass or in the
bleacher seats. Yet, the coats had to look great on the college campus, in the countryside or in the greatest
cities of the world. In other words, Ogies had to be machine washable, durable, versatile and great looking.
Ogie Owners Consider Economy & Unemployment
Jamie and Massiel also wanted their products to be reasonably priced, so everyone could have the perfect
Ogie for any occasion, all year long. Among all of their priorities, Jamie and Massiel thought it important to
have Ogies made in the USA, doing their part to help keep jobs here. Every Ogie pattern is cut and sewn in
Los Angeles, California. Jamie and Massiel are proud to offer superior quality at reasonable prices in today's
market.
Next up:
Ogie Hoodie Dresses are coming soon!
Massiel Bueno is a mother of two and resides in Los Angeles, CA. When she's
not working you can usually find her surfing.
Jamie Hormel is a mother of three kids, five dogs, a pot bellied pig, two miniature goats, and some horses.
She lives in Phoenix, Arizon
HO...HO...HO....
hello world! I'm still around :)
Been doing a lot of shopping this days...hehe my husband got 4 days off work last week and we were so happy because we had plenty of time for us. It was hard when he went back to work because we were getting used to be together and with Pauline all the time. He was so lazy to go back to work yesterday which I fully understand.
Oh btw, we got a tree lastnight for Chrstmas and it feels so good to be surrounded by a live Christmas tree. I was so excited to choose the right tree for us, my husband let me choose the tree that I liked and got it! before we arrived home I realized that my Christmas tree blings was not enough so we decided to get some at the store nearby.
So, when we got home I decorated my Christmas tree right away!hahaha
Here ya go....
Happy holidays!
Been doing a lot of shopping this days...hehe my husband got 4 days off work last week and we were so happy because we had plenty of time for us. It was hard when he went back to work because we were getting used to be together and with Pauline all the time. He was so lazy to go back to work yesterday which I fully understand.
Oh btw, we got a tree lastnight for Chrstmas and it feels so good to be surrounded by a live Christmas tree. I was so excited to choose the right tree for us, my husband let me choose the tree that I liked and got it! before we arrived home I realized that my Christmas tree blings was not enough so we decided to get some at the store nearby.
So, when we got home I decorated my Christmas tree right away!hahaha
Here ya go....
Happy holidays!
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