Gen Joined Chess Tournament

Gen was again busy with her extracurricular activities these days but this time she’s into sports and she’s joined the chess elimination in her school, luckily she passed and started competing last Wednesday. And oh she made me buy her a new big chess board and gave her old small one to Josh which she’s training also. If you can see them playing you’ll laugh out loud as Josh always want to take all the soldiers (poon) and he doesn’t care about the king lol! He knows the entire move and the rules but he told that those are his favorites.

Well anyway as of this day Gengen have 2 loses and 2 wins and she’s happy that she was sure to have additional grades as her teachers in Science and Math promised to give them incentives or additional extra curricular points once they win once or twice in 7 rounds. At home we all played games with her to practice her moves and I can see that she was very happy with it. >Win or lose I’ll give her a price!

Read more...

Modify Your Loan

With the current economic crisis going on here and abroad people tend to have more loan applications than before. It is becoming a fast solution to finance shortage which in the end can cause headaches in payments. Some lenders really have the capacity to investigate and study how much the borrower can afford to repay the loan but others don’t so in the process after some period problem with payments arises.

Most often the borrowers overestimate their financial capacity to pay and end up using their entire paycheck to pay the mortgage, so how about their daily and basic expenses? And what if something happens like emergency cases of sickness, death or loss of job. That’s the start of the borrower’s dilemma leading to bad credits which is not good for both the borrower and the lender. If you happen to encounter this kind of problem all you need is loan modification to help recover your debts and in the process meet your ability to pay monthly mortgage to avoid foreclosure of properties.

Well I came upon McFarlin & Geurts which provides expertise on loan restructure and can give you the best terms for modifying your loan. They do it with their group of experts who knows and understands the loan proceedings and regulations. In the process you’ll soon have a more flexible payment terms which will not deprive you of finances for your family’s basic needs.

Read more...

I Paint the World with Bright Colors

I'm an optimistic person and don't want to be intimidated by life's problems and if ever there's one that comes my way I face it with God's help. Being a christian help you see life in bright perspective and all christians should be setting a positive example. Here's some tests to show how I paint the world.

You Paint the World with Bright Colors

You are a true artist. You are very creative. Your friends can count on you to be playful. You always know how to have fun! You are a truly friendly person ... though sometimes you can be a bit jealous. You are laid back and relaxed. Nothing really gets to you.

How Do You Paint the World?

Read more...

Helping A Drug Addict Quit

Have you ever known a drug dependent person and care enough to listen to what he has to say? You’ll feel sympathy towards them as most of them had a bad childhood or experienced worst situation in their lives. I should know because I had a first hand experience of knowing one drug addict. A close relative of mine who used to be a good boy when he was young with a remarkable talent in his hands suffered insecurities and uncertainty in life that he resorted to drug to console him. A part of his dependency was mainly due to peer pressure, he was convinced by his friends who earlier tried taking drugs and being problematic then he readily succumbed to temptations.

I’ve read a lot of stories and write ups about the life of drug addicts and I agree on some of their conclusions. Most of drug dependent people are those who have weak personalities and some has not been given enough time to voice out their problems to their parents. It’s hard to admit but parents play a major factor in a child’s dependency in drugs but I must also say this is not applicable to some families.

If you have encountered having relatives or a member of your family who resorted to drugs and became dependent on it you can do something to help them. Just always remember that it’s not the end of the world for them, you can help a drug addict quit by getting some information on how you can start changing their lives from the mess they entered. You can start by choosing the right treatment center available who can really give the right medication, treatment and rehabilitation programs to your loved ones. I recommend those centers that have staff that truly understands what drug addiction is all about.

Read more...

Two Birthdays and Thankgiving

In time for Ruth's birthday last Tuesday and my sister' birthday yesterday we prepared a quite simple celebration for them in our church yesterday. We're going to be the host family for next week's bible study but we exchanged it so we can combine my two loved ones' birthday in our bible study. It's more of a thanksgiving occasion and we're happy that it falls exactly on a Wednesday.

Ruth and Redge used to set a date for them every year because they love having their dates of birthday in a row. When I was still pregnant Redge was hoping that I'll give birth to my first baby on her birthday but Ruth came out few hours before the date :-) I prepared and cooked the all-time favorite spaghetti, barbeque and brownies which were served after the bible study. We thanked God for the bountiful blessings bestowed upon us and we return them with gratitude through this thanksgiving.

Read more...

My Renovation Projects

Staying in the house most of the time leads me to discover what’s needed in the house. When I was still working in an 8-hour job I can’t really monitor the status of the house if there are certain areas where we badly need renovations or repairs. Now I can see what my Mom was always telling me, she was always saying that if I’m one who stays in the house the whole day I’ll get to see that some areas need to be prioritized. Well there are lots to be repaired and replaced but for our budget we'll have to check the immediate ones and the budget needed. In these days you can’t just start a construction without studying and analyzing your finances or else your project will not be able to finish. Hubby let me do all the budgeting.

As I can see now we have to start with our gate and fences which was shelved when my Mom was operated last summer. Then we should be dealing with our old bathrooms which we've already started also this summer. We’ve started the first phase outside the house and now we’re into the second phase which includes the bathroom interior. I’ve found some stock clearance sale online at BetterBathrooms.com and found one nice furniture that would really fit in our bathroom.We’ve already saved enough for these two projects and we’ve only to wait for my brother’s list of estimated expenses before starting up. Hope we can finish it all in one month as we have some more projects to line up.

Read more...

:Thursday Challenge - Curved (Roads)

"CURVED" (Roads, Buildings, Shapes, Bowed, Arch, Bubbles,...)

This is the curved roads of Laguna. We're on our way here from our house to our hometown in Laguna to visit our cousins and relatives there. This road is near the top of the mountain where Rizal and Laguna province separates or what we call the boundary. This place has an expanse of long curving roads because the mountain sides was constructed merely to be able to cross the mountain in reaching Laguna from Manila. Way back when we were kids there were no road signs and no metal fences around so travel is very dangerous, a bus actually almost dropped down the cliff.

Visit my other entry at Moments of My Life.

See more Thursday Challenge 'Curved' entries here!

Read more...

Big Bro's Pickup

Big brother dropped by yesterday and we had a noisy lunch as we’re complete yesterday in time for my sister’s birthday. It’s not everyday that we all have free time to be with each other because of our work and families but yesterday we had a talk about almost everything that concerns us three siblings. We also discussed the needed fence construction and some inner renovations; all these things are my brother’s concerns as he’s the engineer of the family. He showed us his newly acquired second hand pickup which he will use for his construction projects and for some run errands. We earlier advised him not use his other car for construction and as soon as he found a car suited for his projects he immediately bought it. He has already registered the vehicle and we reminded him to get the car insurance papers he has applied last week. He searched for the best car insurance that’s affordable for his budget because he really needs it for safety purposes as his pickup will also be used in long distance travel.

Well you can try looking for yourself online as you’ll find the answers there like a car insurance that defines affordable rates. You’ll be amazed that you can get your quotes easy and quick. We should always think of the best way that we can extend our finances like getting the best deals in everything that we purchased and in services that we asked for. Nowadays we must be smart and wise in spending our money to get through this current economic crisis.

Read more...

Ruth's Birthday!

It’s Ruth’s birthday today and I was very busy as she celebrated it partially in school with some of her classmates and in our house with family only. I cooked very early before lunch so I can bring pasta and bread to her classmates before their lunch break. Half of the class is going home at lunchtime so it’s easier to manage her birthday there. I was on time-pressure as I also need to finish some due tasks online but decided to leave some when I get back. Mommies should really be on a fast-move track to do everything in time, wish I hired the magic wand of fairy godmother lol!Anyway I reached the school before 12 noon and made Ruth very happy as seen from the look on her eyes which also took away all the tiredness in my body, seeing my kids happy is all I need to feel contented. I also dropped by bes JennyL to bring her some pasta for snack. I decided not to invite anyone so I just deliver snack to some of my friends and family.

As my girls went home before 6pm we started the blowing of candles and eating after they arrived with just me, Ruth, Josh and my Mom. When hubby arrived we went to a nearby Jollibee and ordered mostly desserts because we’re full from Ruth’s birthday foods back home. It’s nice to dine in fast-food after dinner time as people are fewer and the staff is relaxed. We really had a nice time there because we’re not in a hurry; just want our kids to enjoy the moment. Ruth turns 12 today and it’s her final year of being a girl. Next year she’ll enter secondary school and teenage years but for now I want to enjoy my first baby before she turns into a young lady!

Read more...

On Discovering Illegal Activities

If there’s anything that I think is a lot of help in fighting crime and illegal matters it is in investigating and monitoring the activities of suspected group of people. I’ve been watching a late show on weekends featuring crimes and illegal activities that were caught in the act. It was for me a risky job for the people who are doing it but it was also a courageous act. I was amazed at their style of doing it using private people to pose as customers with hidden camera inside their clothes so they can have evidences of the illegal acts committed. Then they will use it to report to law authorities for further investigation and proof for issuing warrant of arrest.

Due to curiosity on this little piece of helpful gadgets I browsed online for some information and I’ve found out that there are various types of spy camera available depending upon the user’s needs. I’m amazed at the maker’s ideas of using ordinary simple things to hide the spy camera. I’ve browsed for some of their designs and found some really nice ones looking like air ionizer, tissue box, pen, watch and body worn button/screw cameras which are perfect for surveillance. It’s dependable enough to capture and store needed videos. It can also be used on offices and in your own homes.

Read more...