MIND BUBBLES

I chanced upon Charter internet when I was looking for an internet provider for our new townhome. They claim to have 30-day risk free trial and a $25 Shell Gift Card with online orders. The price is very affordable with a high speed internet, speeds as fast as up to 5Mbps for only 14.99/month. They do not have a contract and you can cancel the service within 30 days of trial. Above all these, there are a lot of add-on benefits that come along the internet connection. However, I was also looking for phone and t.v. cable connection that go together with our internet. So when I saw that COX offered these triple bundle, we got them but if you are looking for internet connection only, Charter is a good choice.

Since we moved, it is only now that we realize there are still some things we need to buy especially in the kitchen and dining area of our townhome. Hubby was quick enough to tell me to surf on them and canvass the prices at ShopWiki especially since kitchen tools prices nowadays can get so high.

You see, we did make a checklist before moving in and the 1st thing hubby made sure to complete was cooking needs. But I guess our checklist wasn't complete after all. You will only realize you have something missing when you are on it, cooking that is. So, since I do most of the cooking, I made out this long list for ShopWiki shopping! I hope I find good deals though. We are on a very limited budget. Moving can be so expensive you know.

While having coffee and chicken macaroni soup with my husband this morning, we were talking about all the retrenchments that America is facing right now. American Airlines cut-off about 900 flight attendants and so does Starbucks and many other big companies. A close relative has been faced with this kind of situation too and he really feels very devastated about it. I remembered the movie "Fun with Dick & Jane" where the couple Dick&Jane Harper resorted to extreme measures to gain back their income. Though, there are still a lot of ways to cover up the bills for a couple of months, such as the No Fax Payday Loan. This friend of mine resorted to PaydayLoansABC.com which brought him the convenience of having cash instantly and secretly. All you have to do is apply online at http://www.paydayloansabc.com/ anywhere, anytime. You don't need to submit any documents and the processing time is as fast as ordering your 3-minute burger. Payday Loans ABC can be found placed in proud ranking on many of the Internet’s most respected directories and resources for payday cash advances. More importantly, despite all these resources we should always learn to save for the rainy days.

Yes I will...
I'm just so happy to be at 372-D!!!

Yes we have moved and have finished unpacking everything too.
I promise to be back with more updates here and also in my other personal blogs.

But for now, let me leave with something really scary which news I got from the maintenance supervisor. I was asking him when he visited our unit if there were other kids in the neighborhood same as my toddler, he said older but there is this one girl in the last unit that is the same age as my son but...

Yes there is a but, he warned me not to let my son play with her because the parents are always hitting booze!!!

Okay now, we'll stay away with her. Pity the little girl, though.

People close to me know how obsessive compulsive I am. Cleaning is my passion, when I'm stressed I clean the house, when I'm happy I wipe off the dust in every furniture at home. There were even times in my college years, were I woke up in the middle of the night and clean my shoes and arrange my books! You can call me sick or whatever but I am just the type who wants everything spic and span! I can't sleep if things around me aren't cleaned and organized. So, when I got here I was very happy because of the very clean sorroundings as compared to my home country. You wouldn't have to clean your house everyday as dust are minimal. When I visited my Brother in California, I see to it that I do the vacumming and was very happy with their Dirt Devil vacuum cleaner. So, when hubby asked me what type of vacuum cleaner he would buy, I told him Dirt Devil no less. Until, I saw this first cordless vacuums to earn Energy Star® approval from Dirt Devil. It was just so perfect imagine having to avoid the tangling of vacuum cords or having to plug nearer because the cord is short, this is just perfect! A cordless and new AccuCharge Stick Vac and Hand Vac use 70% less energy – this makes cleaning much much funner and with an Energy Star approval. No matter, how long I stay up cleaning until I satisfy myself, I don't have to worry about the electric bill because this is energy efficient. Now I know what type of vacuum cleaner we need for our new townhome! Happy cleaning everyone!

I have mentioned a couple of times here that hubby has been bugging me to save for a home theatre system complete with home theater seating. Oh yes, he did mention that to me several times. He said that would be my ultimate gift for him! He wouldn't ask for anything else in his lifetime except for that. Haha! He is really gaga over home theatres and just 3 days ago, I was fuming mad because I caught him buying 2 Bose speakers!!! We need those at this time. He always hid these kinds of stuff from me. By now, you could probably guess why hee.

For me, one of the easiest things to cook especially on a lazy weekend are Mexican dishes. Hubby knows them by heart too, care to guess why? Hee.

Anyways, I was searching on some new Mexican dishes recipes in the net when I chanced upon Hector Kabande. He is a renowned cook, who is noted for his spicy Mexican dishes. His dishes are not only the typical Mexican recipes but they usually come in plenty of peppers. Oh yes, they are all sizzling hot. He even gets his peppers from his garden. Check out the site for more sizzling Mexican dishes tips.

The economy is getting from bad to worst, gas prices just won't stop from getting higher and higher. My mom said this is a global economic crisis and no one is spared from this crisis. No wonder, many would resort to Instant Payday Loans. My friends are happy to avail of these type of loans. They said, this is by far the fastest way to get hold of cash or replenish their empty wallets with cash during emergency crisis such as this. Everything is processed online. You do not need to submit documents. After a reliable 24 hours processing time, your payday loaned amount will be deposited to your account. Terms of payment are also flexible so the next you need emergency money, don't fret, the answer is in the payday loans.

When I was so much younger, I didn't really care about insurance and everytime my mom would remind me to get one or to quote her: 'Protect Your Income', I was not really paying attention or was giving extra time to talk to an agent. I knew all along that they got me a life insurance and for me that was enough. Until I spoke with someone who met an accident and benefited a lot from Disability Insurance. I thought real hard and decided to get one asap.

Now, it's so much easier to get one as there are a lot of Disability Insurance Quote in the net. At ProtectYourIncome.com, they do not only provide you with insurance quotes but also helpful information and guidance on disability insurance for professionals including physicians, resident physicians, dentists, attorneys and individuals with incomes of $100,000 or more. If you haven't gotten one for yourself yet, better act up now.

I often wonder how rich would spend and actually earn their money. Have you noticed that they splurge too much and you wonder how come they never ran out of money. If they are a celebrity or some heir or heiress, well it is blatantly understood why they have all those money but for business people or employed people, why and how? In this day and age, it is so hard to become rich, no matter how intelligent or hardworking you are, it is just hard. As a mom and someone who does the budgetting with only 1 child, I can say that it will take me and my husband 10-20 years to consider ourselves rich! That involves no excessive expenditures and impulsive buying. But living without those luxuries from time to time is really impossible right? If you earn and mostly spend only for the basic needs and save everything else, how could you be happy and savor your hardly earned money? For people who splurge and ran out of cash during emergency needs, they turn to Payday Loans and Cash Advances. This is the fastest way that they could loan some cash to fund the emergencies. Well, I guess the rich does not know about this but for ordinary employees, this is quite a popular type of loan. Most of my friends would turn to State Licensed Cash Advances rather than those who claimed to be one. One of the popular companies they go for cash advances and payday loans and which they highly recommend is paydayone.com. Payday One is based and licensed in the United States and definitely not an offshore payday lending company. The advantage of this is it is online and they guarantee you with a turnaround of 24 hours. They have the best guartanteed interest rate, no documents required, secured online loan application and open to anyone including those with low or bad credit scores. But of course, this does not mean that we could go and splurge some more, it is very important to save and only avail of this type of loans in time of emergencies.

Do you know where that is? That is the famous city of Monmouth county. Apparently a friend of mine is considering on investing on this high-end residential estate. There are a lot of waterfront homes and ocean park luxury condos in this side of New Jersey. Monmounth County is a county located in New Jersey. One can experience the luxury of living in a waterfront and ocean side but still just a few minutes to the metropolitan area of New York.

This friend of mine is considering on investing for a place here for the sole purpose of her business expansion. Actually, this place has a commercial and retail. She would want to put up this dress shop and thinks that Monmouth is the place for it. I told her though to think a million times because it's actually a big sum of money.

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As soon as we move, we are to be faced by a gazilliong of bills on top of my husband's paycheques. Seriously, this will be our moment of truth here in the land of milk and honey. For some reasons, we were spoilt in his Aunt and Uncle's home, we were never responsible for any bills save for our cellphones. Now, that we are facing a serious kind of budgeting, hubby wants me to be aware of every single penny we spend as well as some investments and finance rates such as CD rates, best rates on checking accounts, savings accounts, and certificate of deposit (CD) accounts from banks and credit unions across the United States. He wanted to make sure that we are investing and saving on the right financial institution. Luckily, I am well-versed in internet and I immediately found out about: eMoneyCentral.com where they list checking accounts that earn up to 6.00% annual percentage yield (apy) and online savings accounts that earn up to 4.00% annual percentage yield. Also, it tracks all the rates for your savings account and certificate of deposit. The only thing I need to learn is how to interpret those numbers but otherwise, I'm all good and excited with the big budgetting task ahead of me.

The whole weekend that I was offline, I was able to catch up with some unfinished DVDs, play with my son, read some chapters from books for my courses and helped hubby packed some of our stuff. Obviously, hubby and I are simply excited with our BIG MOVE. Come to think of it, it falls on the Philippine Independence day, June12, how coincidental. We were too excited that we visited the place again last Saturday and I double checked the sizes of the closets. Hubby noticed that he needs to change the lights in the bedroom and kitchen. We know we still have a lot of work to do in that flat but allow us to savor this anticipation and excitement in us.

A friend was in shambles when she gave me a call yesterday. Too bad as she spent her Mother's day in the hospital. Her son was rushed in the emergency after several days of severe fever. So far, the son is in stable condition. However, my friend is more worried about the medical expenses incurred during their 3 days stay. She was devastated to find out that her husband was delinquent in paying their medical insurance thus as of yesterday, their son's medical insurance was declined by the hospital. It was really bad. She was asking me if I know of any insurance company that would somehow helped them by giving medical insurance while lowering their current rates. Good thing, I took note of the the online insurance company which I previously researched for my Aunt. I told her about advantagemedicalquotes.com which gave me an immediate quotations after I contacted an insurance agent online. So far, my Aunt like the offers they gave her and is thinking of availing their service. I really hope my friend does pay immediate attention to their medical insurance current standing so she won't be caught offguard with similar situations. I feel for her.

Raising kids is no joke. Not only will you take care of the rearing side but it also entails a lot of financial responsibilities. Once you have a child, the expenses won't just stop, they are actually never-ending. There goes the education, the child insurance, the toys, clothes and other expenses that will really eat up a big chink in your budget. That's why I always tell my teenager cousins who are so weak when it comes to love that they should think of bigger responsibilities before jumping into the peer pressure of PMS as this may end up to teenage pregnancy. I tell you being a parent is toughest responsibility in the world. And the mom's tasks just never end.

Have you heard of Double glazing? or have you actually seen Double glazed windows? Apparently, in London glazing your windows is really important. I happened to chance upon this website which is a Double glazing company UK. They have interesting services and quotations online. If you think you need to replace your windows at home and don't want to over-spend on double glazing them, you could contact http://www.national-double-glazing.co.uk/. They currently have special summer offers you could avail. I think I have to inform hubby's aunt about this, by the look of their windows, I think they need some double glazing or serious replacement. Windows to me are not to be ignored because they are equally important to house doors. If you do not make sure that you have efficient windows, the temperature inside the house is gravely affected. Also, I make sure that they always are very clean and neat. The windows in our room is my son's favorite resting place. The windows in our room is my son's favorite resting place. The 1st thing he does when he wakes up is pull the blinds and look out of the windows. So just imagine if I do not keep them clean and he would be able to inhale all the germs and dust. That’s why cleaning and maintaining windows are equally important to maintaining other parts of our household.

For some odd reasons, I am so fascinated with mailboxes particularly those whitehall mailboxes. I am so weird that I have taken a lot of photos with mailboxes as my subject. From the country where I came from, mailboxes are not really popular. Most of the houses do not have them, so imagine my delight when we had one here in America. My brother has very cool whitehall mailboxes in his house in California which my son never stops opening. My brother said the reason why he got a whitehall mailbox in particular is because of their beautiful designs as they are handcrafted very well.

Since writing about loans and mortgages in this blog, a lot have commented that I talk about loan interest calculation too. My friends sent some email that it would be better if I write an entry on how these lending companies compute the terms and interest rates. I am sorry to disappoint everyone but I am not good with numbers, lest I have zero idea on mortgage and loan interest calculations. But I have found this site which is very informative and comprehensive: http://lendersmark.org/. They have an online calculator when you Apply for a Loan either it be Personal Loans or a home loan. It is quite easy to grasp in mind as everything is user-friendly. They also have updated articles and subpages on news on mortgages regulations , foreclosure scams and other related articles. So there you go my readers, lendersmark.org will do the explanation afterall that's what they are known for. Their online loan calculator is applicable for personal loan, payday loan, debt consolidation, home purchase loan, refinancing and equity. Hope this helps everyone who are curios how banks and lending companies compute mortgages and loans. If not, you could use the FAQ page and contact page of lendersmark.org for any questions in mind.

I am lucky and privileged that I have to be with my son 24/7 and not have the worries that my mother friends have when they leave their kids with their nannies. I used to be equally paranoid when I had a nanny for my son whom I had some suspicion. I was even considering on getting a nanny camera to record her every move. Good thing though, as she was able to prove to me that she was trustworthy.

A friend is always asking me if her buying a nanny camera is logical and ethical thing to do. Somehow, she is a bit uncomfortable with recording her son's nanny's every move through a nanny camera. I told her if she seems to be doing a job, might as well uncut those camera and not to use it again. If you do not fully trust your househelps or nanny, it wouldn't hurt to buy one, all you want is security and protection for your kids and nanny cameras somehow help worried mothers to be less paranoid. But, there are limitations to it, if you are recording her move for your own entertainment stop, it is not ethical. Just a piece of advice from mind bubbles.