July 23, 2008
Filed under: life lessons — juliana @ 4:50 pm
It is disheartening to see someone close to you drown in debt. More often than not, they succumb to it not because they are not aware of the repercussions but because they think they’ll be able to easily get out of it. This same situation happened to a family friend who five years ago bought a home with one of those no money down mortgage deals. Little did we know that before they even got a home, they were already up to their neck in credit card debts. Why they bought a home was a totally unnerving decision. But because they were able to swing around and get a home for zero down they went ahead anyway. Three months after the housewarming and they were finally settled, the whole mess started to unravel and before we knew it, they were going from one relative to the next borrowing money to cover for the monthly mortgage which was a whooping $4,300 a month. And the credit card debts? Debt consolidation through Bills.com was the solution. Declaring bankruptcy was never an option because they had a home and they didn’t want to lose it. Because of this move: debt consolidation, they were able to lower the monthly payments on their large credit card debts and cut their interest rates and concentrated on raising money for their monthly mortgage.
As any bad financial decision as you would expect, they eventually gave up the house two years later, as the monthly mortgage was just too much for them to handle. Besides the fact that it was a zero down deal, we later learned it was also one of those adjustable rate, interest only mortgage.
Lesson of their story? Don’t bite more than you can chew. Live within your means and weigh in every decision that you make especially when it comes to financial commitments. Taking out a mortgage that they cannot afford was the biggest blunder of all. Add to that the fact, that they already had a huge amount of credit card debt before they even got a mortgage. Living responsibly means living within ones means.
Filed under: daily chatter — juliana @ 10:43 am
Surprised? Yes, I had to drag myself out of bed early today, because there are tons of tasks to do. That goes to show that I’m really capable of waking up earlier than my usual time if I want to. It’s cleaning day for me, and I need to get going and start the grueling day. It’s another humid day here in my part of the world, and because of this, even if I so desperately want to run the self-cleaning cycle of my oven, I think it’s not the wisest thing to do. I roasted a chicken yesterday, and because I used the convection function, it created a big mess inside the oven. It definitely took a shorter time to roast using the convection roast function but now it left behind a messy oven.
It’s time to shut off the laptop and get going. It’s early enough, and I can project that I will be done with all my house chores at a decent time of the day.
Filed under: priceless treats — juliana @ 10:32 am
As early as when I was a teenager, I already knew the importance of life insurance. This is due in part to the fact that my parents talked about it with us, and at the same time, I had a life insurance that they took out for me since I was a toddler. That insurance has since been transferred to me. Because of that orientation, I also went ahead and took out another policy when I was already able to pay the premium on my own. I believe in having that peace of mind and security knowing that my family is taken cared of in any unfavorable and untimely eventuality.
That being said, as a homeowner, it goes without saying that mortgage insurance is also in place. What’s the point of owning your own home if it becomes a burden to your family in the event of an untimely death? You and your spouse, as homeowners have to have in place, a mortgage protection insurance, a coverage that is meant to pay off that mortgage debt should something fatal happens. Most families, have their mortgages as the largest expense, and leaving behind a family with all that financial burden will certainly put them into huge financial hardship. It’s bad enough that they lose a loved one, if you can help it, why subject them to another burden?
I know, it’s kind of eerie talking about these things, but it’s when we are in perfect condition that we need to put everything in proper order. In fact, even as early as now, my husband and I are looking into the possibility of obtaining a final expense insurance policy. This will ensure that whoever we leave behind will get to enjoy the estate we leave them, and this coverage should take care of our last expenses. No matter how you look at it, I believe in being responsible and ensuring that nothing is overlooked. NAA Life can definitely provide an affordable coverage on these policies I have mentioned, as they offer all types of financial products. I will definitely have to obtain a free final insurance quote soon, as this has to be taken cared of immediately. This is the one coverage, I must admit, that we don’t have in place right now.
Filed under: tags — juliana @ 12:28 am
Lynn, thanks for interrogating me. This is actually a repeat, take two so to speak but I don’t mind. It was fun answering these questions even if its kind of long. But I hope no one else will interrogate me again haha. Sometimes when you get interrogated a lot of times it can get boring. Or, I’m afraid someone will ask me if Google really cares to know if I’m spoiled or not.
1.WHAT DATE IS IT?
:: 23 July 2008
2. WHAT TIME DID U WAKE UP?
:: Yesterday? It was around 9:00 a.m. I’m about to go to sleep that’s why.
3. DID U GO SOMEWHERE YESTERDAY?
:: No.
4. WHAT DID U DO THERE?
:: I was home all day and roasted chicken.
5. HOW OLD ARE U?
:: Not to be disclosed anytime soon.
6. ARE U MATURE OR IMMATURE?
:: Certified mature.
7. WHAT DO U CALL UR MOM & DAD?
:: Dad and Mom.
8. ARE U AN ONLY CHILD?
:: No I have four siblings.
9. WHERE DO U GO SHOPPING?
:: Love to shop around Madison and Fifth Avenue and Soho.
10. DO U LIKE SCHOOL?
:: I did.
11. DO U LIKE BOOKS?
:: Absolutely, I’m a voracious reader.
12. DO U WANT TO GET MARRIED?
:: I’m happily married, can’t you tell?
13. WITH WHOM?
:: The King.
14. ARE U SPOILED?
:: Spoiled rotten by the King.
15. WHATS THE MOST FLATTERING COMPLIMENT U EVER GOT?
:: That I’m capable and smart, a compliment from my father in law.
16. ONLY GIRL/BOY IN THE FAMILY?
:: No.
17. IF U WERE TO MARRY A CELEBRITY, WHO WOULD IT BE?
:: No one.
18. WOULD U LIKE TO MEET Josh Hartnett?
:: I don ‘t think so.
19. Where do u think your best friend is?
:: In the bedroom, snoring right now.
20. WHEN WAS THE LAST TIME U TALKED TO UR BEST FRIEND?
:: An hour ago.
21. U THINKS SHE/HE NEEDS U NOW?
:: Always.
23. WHAT DO U WANT FOR UR BIRTHDAY?
:: NONE!!!!
25. IF U WERE TO BUY A CAR, WHICH CAR WOULD IT BE?
:: Can’t think of any right now.
26. A DUET WITH HEART EVANGELISTA?
:: No.
27. DO U WEAR MAKE-UP?
:: Yes.
28. WOULD U GET A TATTOO?
:: No.
29. BELLY PIERCE?
:: Never.
30. HOW MANY KIDS DO U WANT?
:: Please don’t ask me this question again.
31. DO U HAVE ANY HOMEWORK?
:: Yes, my research work, am not done yet, and a lot of house chores.
32. ANY SONG THAT YOU’RE LISTENING?
:: None.
33. DO U BELIEVE IN SPELLS?
:: Sort of.
34. WHERE DO U WANT TO GO NOW?
:: Nowhere else. I love it here, a place I call home.
July 22, 2008
Filed under: priceless treats — juliana @ 11:59 pm
This shopaholic SAHW is sometimes a little out of sync with regards to music and the latest hip hop to hit the billboards, but not with regards to the latest in fashion. No, I’m not by any means a fashion icon, nor I embrace every single latest fashion trend but because I have a niece who is a model wanna be, I am always on my toes with the way I’m dressed because I don’t want to be caught off guard and get some remarks from my niece, who incidentally has finished shooting her part on something I am not revealing for now.
Yes, she’s in Florida, in fact she just left yesterday with her family for their summer holiday, and she had nothing but Rocawear summer outfits in her luggage. I am aware that she’s been a Rocawear fan for a long time, but I didn’t know she went ahead and shopped for a totally new summer wardrobe most of which were Rocawear. She claims she loves the fresh style and the silhouette of every Rocawear tops and bottoms that she owns. I tend to agree with her, because she really looks good on them. Oh well, after her modeling courses, she must really know what works best for her.
Filed under: tags — juliana @ 11:45 pm
Tet, and Rocks thanks so much for this. It came at a time when I needed it the most. I’m so touched. This poem is indeed a good summary of how cyber friends are. It’s nice to know that you do consider me your friend and likewise I do too. Here’s hoping we’ll see each other and meet up someday. Who knows when that someday will be? It can be years from now or it can be in a few months. You’ll never know. By the way, I’m a perennial rule breaker with regards to tags, so please bear with me.
~Start Copy Here~
1. Copy from start to finish
2. This letter should be pass on to your closest friends online.
3. Add your name and URL blog HERE!! .
1. Wheng 2. Hazel 3. Janeth Vicy’s Life Journey 4. A Sweet Taste Of Life 5. God’s Best Gift 6. Juliana’s Lair
It’s true I have never seen you
and we have never met,
Never shaken Hands or
even truly hugged and yet!
I know for sure you care for
me by the kindness that you give.
And our keyboards keep us
together doesn’t matter where we live.
So I give you this gift to
put a smile on your face
and to let you know in my
heart you have a special place.
~End Copy Here~
Filed under: priceless treats — juliana @ 12:26 am
Moving can be stressful, and I know this description is an understatement. I may be one of those few people that has moved a lot, and I can honestly say not all of those moves were without a glitch. But through it all, I managed to grin and bear it, as I simply had no choice. As we sail through life, moving is a part of it, and I know for sure, I will be moving again, if not sooner it can be later. After all as we all know, the only thing permanent in this world is change.
If you are looking for the services of a reliable moving company, easily the company that would come to mind is A-1 Lewis Moving Services, a moving company in Forth Worth that is family owned and operated. They cater to local moves as well as intrastate services. Highly experienced and courteous crews are what they have been known for, that is the reason why they are considered one of the best movers in Forth Worth. Their services covers residential and commercial moves. They not only employ highly qualified personnel, their people are equipped with the best tools and implements such as pads, dollies etc. to ensure that your belongings are protected. We are all aware that the biggest nightmare of moving is finding out that there are breakages and damages during the move.
Let that next move be executed by A-1 Lewis, the mover in Forth Worth that has definitely set the standards of service in the moving industry. If integrity, honesty and commitment to quality is important to you, you need not look anywhere else, as you are in the right place. Visit a1lewismoving.com for that free moving quote.
July 21, 2008
Filed under: tags — juliana @ 4:46 pm
This is definitely take two. Jody must have been back from her shopping jaunt in Singapore already. Thanks for this Miss Shopaholic!
{BEGIN COPY}
Rule: Copy the entire list and add your name at the bottom. And tag at least 5 friends. (But you can tag as many as you like).
Note: Please link the blog where you posted the tag 
We appreciate you linking all your blogs but make sure you post the tag in the blogs too.
Mommy Talks | Aggie Shoots. Aggie Scraps | All Kinds of Me Stuff | The Salad Caper |Winding Creek Circle | Anorexic Queen | Apple of Yan Ple | YanPle | Howell and Abie | My Planet Purple | WomenXplore | Princess Bela | My Happy Place | I am Dzoi | Cliktrik |Life’s Simple Pleasures | Coffee Table Conversations | 100% Kelly | My Colorful World |Ramdom Thoughts | Scribbles of My Life | In This Game of Life | The Shopaholic in Me |Mommyhood and Me | My Charmed Life | My Joys | Sassy Finds | Celebrating Life | Life is Peachy | Belly, Baby and Beyond | {BloggerHappy} | {BerryScrappy}| Juliana’s Lair
{END COPY}
Filed under: priceless treats — juliana @ 4:38 pm
The brand name Cadillac is the symbol of ultimate American luxury. However, not everyone can afford that luxury especially when you get it brand new. So, what’s the next best thing? Check out used Cadillacs at the online portal of Sutliff Cadillac at http://www.UsedCadillacsHarrisburgPA.com. This dealership is known for the quality vehicles that they offer as well as the exemplary service and most of all their integrity dating back since 1931. In fact, they have been selected as the official Harrisburg, PA Cadillac Dealer!
At Used Cadillacs Harrisburg PA you’ll see an extensive inventory of used Cadillacs. Whether you’re in the market for Cadillac cars and SUV’s, you can be assured that they got you covered. The Cadillac Certified Pre-Owned Program starts with Cadillac’s exhaustive 110+ quality point inspection process that helps ensure you get a vehicle in impeccable condition and presentation. How many used car dealership has this kind of process in place? Your peace of mind is of prime importance to them, and that’s the reason why such program is in place.
The more I write about Cadillac, all the more I pine for one. But no, this is not even on our plan. I know one day, someday I’ll walk out of the dealership driving my first “Caddy”. It doesn’t matter if it’s brand new or used, what matters is, I would have driven a Cadillac in my lifetime.
Filed under: tags — juliana @ 4:07 pm
Lynn and Francine tagged me on this one. Let’s start cracking.
1.What’s your latest addiction?
- SECRET!
2. What are you listening to?
- none, just the humming sound of the air purifier
3. How late did you stay up last night and why?
- I was a good girl last night, was in bed by midnight.
4. Who were you with last friday night?
- alone by day, with the husband at night.
5. Do you think you will be in a relationship 3 months from now?
- I’ve been and will always be.
6. When is the next time you’ll see your close friends?
- not sure when.
7. What were you doing this morning at 7am?
-still in bed but about to get up.
8. What radio station do you listen to the most?
- 106.7 FM.
9. What was the reason you last cried?
- I was chopping onions hahaha.
10. Have you ever talked to someone when they were high?
- what do you mean?
11. What’s the fifth text in your inbox say?
- zero, nada. I don’t text.
12.Where was the last coffee shop you went to?
- starbucks, drive thru ha.
13.Whats your outfit right now?
- shorts and tee
14. What were you doing at 11pm last night?
- tinkering around.
17. Who was the last person you talked to last night before bed?
- who else but the DH.
18. Will you be driving in a year?
- I’ve been driving since I was 18.
19. Is there anything that you are craving right now?
- grilled dried squid.
20. When did your last hug take place?
- home
22. Have you ever started a sentence with “No offense, but…”?
- yes, but not much.
23. Do you drink tea?
- my staple beverage.
24.Have you ever been arrested?
- No.
25. Have you ride in someone else’s car today?
- No, on ours.
26. Did you make a mistake this past week?
- None that I can think of.
27. Who was the last person you texted?
- I don’t text.
28. Are you happy with your life right now?
- absolutely!!! can’t you tell?
29. In the past 72 hours have you been under the influence?
- no and never.
30. What’s the connection between you and the last person you texted?
- I don’t text, got it?
Filed under: priceless treats — juliana @ 3:48 pm
Are you a regular viewer of Suze Orman? The financial guru, no less. I don’t know but whenever Saturday comes, my eyes are glued at the TV by 9:00 p.m. without fail. I respect her wisdom and the vast financial knowledge that she has so far shared to the viewing public. I have been a fan of hers dating back in 1999 when I discovered her book. Since then, I was hooked.
Suze is the reason why my husband and I have been saving a lot on life insurance premiums. My husband used to have a whole life insurance and the premium was very expensive. We however, converted that to term life as per Suze Orman’s advise, not to us but to a caller on the show, and we took it upon ourselves to do the same thing. My whole life insurance policy is now self supporting, a policy that I took out when I was still single and living in the Philippines so that was spared.
Term life insurance is the best way to go if you ask me. You get the same kind of protection and peace of mind. That’s why if you are out in the market for life insurance you can get an instant term life insurance quote at FinancialOne.com. On their portal, you can compare life insurance rates and shop online from more than 140 life insurance companies. This is rather extraordinary as you can’t find an insurance online shopping system where you can get quotes from that many companies.
Financial One’s objective is to provide their customers the lowest rates in the industry no matter where you are located. They not only deal with life insurance, you can also avail of mortgage loans, annuities as well as other financial products. Indeed, they are the one stop shop for speedy online quotes.
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