car title loan: a loan for car owners

Our church friend who used to pick us up for Sunday service recently faced financial emergency. There's no other way to help him so he is forced to apply for a Collateral loan where he surrendered the vehicle while in the process of repaying the loan.

If the same case happened in Los Angeles , car owners has the option of applying for car title loans Los Angeles instead of collateral loan. They can get cash for car title loans by handing over the clear title of their vehicle rather than handing over the car itself. Usually they can get loans for as much as 50 percent of the vehicle’s value in many cases. And the best thing is that they can get cash for car title loans without filling out a lot of tedious paperwork and waiting days to see if they're approved. Isn't that cool? They still get to use the car for themselves and as soon as they pay the loan back plus interest and fees, they will get the title back with no harm done.

If only this car title cash loans service is available here in Thailand, our friend could still use his car and he could continue fetching us for Sunday service.

about pensions

Last night, my hubby and I talked about one of his aunts whose husband died few years ago. He said that they once have a good life but now that the husband is dead, she's living a tough life now knowing that she only depends on his husband's pension funding which isn't enough for her and her three kids. Our simple conversation leads me to search for pension plans or funding available in the Philippines. I wonder why isn't there a website that simply tackles all about Philippines pension Funding? What I only search is about US Pension Funding. I wonder if this pension funding works the same with the pension policies in the Philippines. Can someone enlighten me please?

In my understanding, a pension can be created by an employer for the benefit of an employee but we don't have that benefit from our school. In Philippines, Labor unions, the government, and other organizations fund pensions. My hubby and I decided to take a look of Pension Plans in the Philippines when we get back home next year. We pray that we'll be God's instrument of applying for pension plans for our parents. It's nice to see them having financial stability during their old age.

Usually, pension policies are most suited for senior citizens but younger citizens could also apply for this to have a more secure future, so that you never give up on the best things in life. If I worked in a government school in Philippines, I may now have almost 10 years in the government service and have already funds for my pensions.

Based on my friends testimony we could get a lump sum pension like what his mother-in-law did . He said it's an excellent way to convert retirement asset into working cash to do the things you need to do post-retirement. On his mother-in-law's case, she started her own bookstore in the city and she put in the bank the remaining fund for later-in-life needs. You can click here for more information about availing a lump sum pension.

Is it possible to cash in your pension early? , I asked my friend who works in an insurance company. She mentioned "YES". In fact her co-worker who's still 40 years old cash in her pension to pay for her children's college tuition. One is on her senior year in his medical course and the other one is on her sophomore year as a nurse student.

I'm glad that I've learned a lot about pensions this week. It's time to pray and ask God's guidance on the right company where we could apply for pension plans for our parents and for ourselves too.

Hyzyd's first visit to school

I plan to enroll Hyzyd to my school where I'm employed when he reached 2 1/2 years old (that's the youngest age they'll accept).

Last week of March, I brought Hyzyd to my school. He felt at home at his first visit! His future teachers (my co-teachers) love him to the max already. I felt so proud that my son knows how get along with them. They love his smile and his tantalizing eyes- with those long, curly lash! They can't wait to have Hyzyd in their supervision next year!

Hyzyd navigates the his future playground for almost 2 hours!
I drop dead chasing after him

future plan on applying for reverse mortgage

At age 29, I'm praying a lot about our future. I pray that we'll have long, enjoyable life and a debt-free life! We'll able to see our kid/kids grow up, established their chosen careers, have their own happy family and we'll be the family that God wants us to be- a family that prays together and stays together .

If God will allow that we'll reach 62 years, we'll apply for reverse mortgage. I read some Information on reverse mortgage that it's a loan against the equity in our home. Unlike a traditional mortgage or a home equity loan, there are no income or credit requirements with a reverse mortgage. The greatest benefit to us is that we have no monthly payments or interest payments on the money we receive — as long as we continue to use our home as our primary residence.

What will we do with the funds if ever we apply for reverse mortgage? We can use the funds any way we want without worrying what would be its effect on our social security, income taxes or medicare. We could use the fund for home repair or buy a second home, pay for a long-term care expenses or just to improve the cash flow to maintain current quality life.

Now that we know where would we like our funds to go, you may wonder how does a reverse mortgage work? This kind of mortgage is designed for seniors only- the youngest borrower must be 62 years old or older . Reverse mortgage is a loan that allows the homeowner to convert some of the equity in their home into cash or monthly income, while retaining home ownership. Reverse mortgages work much like traditional mortgages, only in reverse. Rather than making a payment to the lender each month, the lender pays the borrower. All persons on the title must be at least 62 years old (as I have mentioned) and occupy the home as their principal residence. You must own your home "free and clear" or have a very small mortgage balance. Income is not required to qualify. Reverse mortgages do not have to be paid back until the last surviving borrower dies, sells the home, or moves out. The total amount owed at the end of the loan equals all of the cash advances you've received, plus the accrued interest.

Still unclear for you? You may visit reverse mortgage FAQS for more clarification and information. I wonder if this kind of loan is already a trend in the Philippines. I'm sure my grannies would qualify. I better inform them now!

(photo credit: http://www.sandpointrainbowrealty.com/home/?p=53)

Is Hyzyd prepared for a younger sister?

No, I'm not preggy yet but we have the chance to observe if Hyzyd is ready for a younger sibling through HJ-his cousin. HJ is my niece and she's just 6 months old. We observed that Hyzyd can be very loving in one time but we need to be vigilant because he could easily raise his hand and slap HJ after few minutes! I've heard from an older friend that adding another baby to our family is an exciting time but it can be very stressful for our young toddler.

This is one of Hyzyd and HJ moments where we felt that HJ is safe from her Kuya Hyzyd's light hand. They have great time with their baby talk and Hyzyd even rendered his dance move .

scouting for cheaper used college textbooks

I have two brothers who are in college. Studying in college is truly expensive and the cost of textbooks are getting higher these days. To save on their expenses, I advised them to look for used textbooks for sale to save a lot.

They could have the option of finding cheap textbooks at their school bookstore. The school bookstore is truly a good source for cheap used college textbooks for sale; but stocks are only limited. With the great number of students who would like to save on the textbook expenses, stocks of used textbooks are surely in demand. They better buy in their school bookstore on the first day of school opening.

Their next option for them is to ask those senior students who are taking the same course they're taking. They maybe selling their used textbooks in a cheaper price.

Aside from these in-campus sources, I told them that I could help them find cheap used college textbooks for sale at online auction sites . I'm sure there are a lot of people who sell their used textbooks there and I can find them at really cheap prices. What they need to do is to give me the edition of the book that they need to make sure that I'm buying the same edition as that they need.

las vegas limousines

Our current addiction involves watching CSI Las Vegas. Watching this movie series also toured us to different areas of Las Vegas. What comes into your mind when you heard the word Las Vegas? For me, when I heard Las Vegas , I think of gambling, shopping and fine dining. In fact, Las Vegas bills itself as The Entertainment Capital of the World and it's famous for the number of casino resorts and associated entertainment. The city's tolerance for various forms of adult entertainment earned it the title of Sin City. No wonder, many limo company in Las Vegas offer bachelorette party specials.

Have you been in Las Vegas? A friend of mine who had the chance to be one of the exchange students in Nevada had the chance to visit Las Vegas with his friends.They rented Las Vegas limo and see the town in style! Good thing that he's in a financial position to be able to afford to go to Las Vegas.

Las Vegas Limousines are usually used by celebrities or important figures in society. It's maybe because limousines can provide them with privacy as well as convenience. If they have to make a call or do work, they can complete these tasks while their chauffeur drives them to their destinations. Limousines are also convenient and safe for people wanting to go out and party, because the chauffeur can be the designated driver. Also, when you need to be at an airport or other place early in the morning or late at night, riding in a limousine can give you time to catch up on your sleep and you avoid having to pay a storage fee for your vehicle at an airport.

I wonder when can I have the luxury of renting a limousine? Could I ever step on Las Vegas?

just a regular day on summer day

Now that it's summer time, I have plenty of time cleaning. I'm done with ironing and I have folded and arranged our clothes in our closet. I look through our closet for clothing in good condition that we haven't worn in a while. We don't need those items so we're going to give them away. I include all clothing that no longer fits. Instead of saving it in the hope that someday I will wear it, I better give them away. I have about six big boxes to give away. My brother who will move house on June is also placing some of their stuffs in the house. How I wish we have extra room to stack these things or available self storage which we can rent for a short period of time to free up space at home.

Do you know that earlier this month we decided to move and rent a room because I'm kinda pissed off with the unavailability of water in our house. What stopped us is we have lots of things and a room only isn't enough for all our things. Also, the owner attended to our demands so we'll be expecting our own water connection this week.

bad experience with an insurance company

I just finished reading about Protection juridique where an insurance company offers contracts for legal protection for individuals as well as businesses, artisans and merchants. I wonder if this kind of insurance company is available here in Thailand . I needed one to help me defend myself and defend my rights if ever I need one in the future. By the way, Protection juridique is a French word for Juridical Protection. But before I seek for this kind of insurance, let me share to you my bad experience with insurance policy here in Thailand.

Until now, my school couldn't clarify to me why I couldn't renew my health insurance with the insurance company where my school was a member. They told me that they applied twice already but they will not accept applications from new members that were enrolled to them on year 2007. It really makes me confused. My question is , why did they received my payment from May 2007-March 2008? I asked if I could get a refund (I'm paying 700 baht for 11 months!), they said I could get my money when I reached 55 years old! I'm asking my school to find another health insurance company for me, they said they couldn't do that, they're school is already tied up with that insurance company that denied my application (together with my co-employees who were in school since year 2007). This is the reason why I'm not interested to work longer here in Thailand. My other option is to study Thai so that I could understand insurance policies.

English-French Translation:

J'ai juste fini de lire de la Protection juridique où une compagnie d'assurance offre des contrats pour la protection juridique pour les individus aussi bien que les entreprises, les artisans et les négociants. Je me demande si cette sorte de compagnie d'assurance est disponible ici en Thaïlande. J'ai eu besoin d'un pour m'aider à me défendre et défendre mes droits si jamais j'ai besoin un dans l'avenir. À propos, la Protection juridique est un mot français pour la Protection Juridique. Mais avant que je recherche cette sorte d'assurance, permettez-moi de vous partager ma mauvaise expérience avec la police ici en Thaïlande.

Jusqu'à maintenant, mon école ne pouvait pas s'expliquer à moi pourquoi je ne pouvais pas renouveler mon assurance maladie avec la compagnie d'assurance où mon école était un membre. Ils m'ont dit qu'ils ont fait une demande deux fois déjà mais ils n'accepteront pas d'applications de nouveaux membres qui leur ont été inscrits sur l'année 2007. Il me rend vraiment troublé. Ma question est, pourquoi a fait ils ont reçu mon paiement du 2007 mars de mai 2008 ? J'ai demandé si je pourrais recevoir un remboursement (je paie 700 baht depuis 11 mois!), ils ont dit que je pourrais recevoir mon argent quand j'ai atteint 55 ans! Je demande à mon école de trouver une autre compagnie d'assurance maladie pour moi, ils ont dit qu'ils ne pouvaient pas le faire, ils sont l'école est déjà fermé avec cette compagnie d'assurance qui a nié mon application (ensemble avec mes co-employés qui étaient dans l'école depuis l'année 2007). C'est la raison pourquoi je ne m'intéresse pas pour travailler plus long ici en Thaïlande. Mon autre option doit étudier le Thaïlandais pour que je puisse comprendre des polices.

Hyzyd's shoes

Currently, Hyzyd is using only two shoes-one for inside the house or for casual days and the other one for Sunday fellowship. He outgrown most of his shoes already and we see that it's not yet practical to invest on expensive shoes at his age so we just settle for the following shoes:

Hyzyd with his all-around-sandal

Hyzyd's dress-up shoe

Buying a pair of shoes for myself is fun and focused on fashion; shoe shopping for my 17 months old, Hyzyd, requires function to come first.When he started walking, I wanted him to have protection and stability, so I went with something a little sturdier, like his Bubble Gummers sneaker. What's important as of now is that with his shoes he looked comfortable with them and it fits him well.

an entry for:

un type d'assurance maladie que je cherche (a type of health insurance that I'm looking for)

I'm looking for a health insurance company that offers contracts which helps me save money when I need medical services. Is there a health insurance that will cater the following?

1. takes care of hospitalization bill whether you're admitted in a public or registered private hospital.

2. refund all the room expenses you've accumulated during your stay in the hospital.

3. nurse your dog and your cat during your absence.

4. delivery of medications

5. provides hotline for all my questions of medical or juridical order.

6. assistance for my daily life after hospitalization.

So far, the only health insurance I have now here in Thailand which my school provided doesn't cater hospitalization bill when it's related to pregnancy and delivery. I'm not also familiar with its policy because it's all written in Thai. I remember now that I try to let the policy be translated to English using the free online translation. It's through this medium that I was able to understand the type of health insurance in France, mutuelle hospitalisation that provides the six aforementioned conditions I'm looking for a type of health insurance.

English-French Translation

Je cherche une compagnie d'assurance maladie qui offre des contrats qui m'aide à économiser l'argent quand j'ai besoin des services médicaux. Il y a une assurance maladie qui fournira la nourriture pour le suivant ?

1. s'occupe de la facture d'hospitalisation si vous êtes admis dans un public ou avez enregistré l'hôpital privé.

2. rembourser tous les frais de pièce que vous avez accumulés pendant votre séjour à l'hôpital.

3. soigner votre chien et votre chat pendant votre absence.

4. livraison de médications

5. fournit la ligne ouverte à toutes mes questions d'ordre médical ou juridique.

6. l'assistance pour ma vie quotidienne après l'hospitalisation.

facture d'hospitalisation quand il est rattaché à la grossesse et à la livraison. Je ne suis pas aussi familier avec sa politique parce qu'il est tout écrit dans le Thaïlandais. Je me souviens maintenant que j'essaie de permettre à la politique d'être traduite à l'anglais en utilisant la traduction en ligne libre. C'est par ce médium que j'ai été en mesure de comprendre le type d'assurance maladie en France, mutuelle hospitalisation qui fournit les six conditions susmentionnées je cherche un type d'assurance maladie.

mon petit rat de bibliothèque (my little bookworm)

We are a family of book lovers. We have a mini-library at home and I'm trying to keep a collection of good books in our little bookshelves. We love going to the nearest bookstore in the mall which is just around our corner. This is where we usually spent our afternoon with my little boy. It's my way of cultivating a bookworm.

What I love about this bookstore is we have the freedom to stay there as long as we want. We could flip on the books and I could take a short time reading for Hyzyd. Most of the time, Hyzyd chooses a book then delivers the book to me. He then sits in my lap as the two of us examine the page — I name the cat, dog, and bird and Hyzyd points to the pictures.

Soon, Hyzyd slides off from my lap and moves over to other books. I know better than to try to finish the book. For Hyzyd these little bits of reading are just right. Don't you know that just reading to your child as often as possible is the best way to help him or her learn to read independently?

We usually spent 30 minutes to an hour inside the bookstore almost every afternoon. The cashier already know me and Hyzyd. Once, I'm so engrossed with my own reading (yeah you could also read the whole novel if you want) that I missed where Hyzyd was! Good thing that they have video surveillance. I located where Hyzyd in just a wink but I promised myself not to be careless again!

I had fun trying to translate my post in FRENCH using the Free Translation Online. Let's take a look how it goes:

Nous sommes une famille de bibliophiles. Nous avons une mini-bibliothèque à la maison et j'essaie de garder une collection de bons livres dans nos petits rayons de bibliothèque. Nous aimons aller à la librairie la plus proche dans le mail qui est juste autour de notre coin. C'est où nous passions d'habitude notre après-midi avec mon petit garçon. C'est ma façon de cultiver un rat de bibliothèque.

Que j'aime de cette librairie est nous avons la liberté de rester là aussi longtemps que nous voulons. Nous pourrions basculer sur les livres et je pourrais prendre un temps court en lisant pour Hyzyd. La plupart du temps, Hyzyd choisit un livre me livre alors le livre. Il s'assoit alors dans mes genoux comme deux d'entre nous examinent la page — j'appelle le chat, le chien et l'oiseau et les points de Hyzyd aux peintures.

Bientôt, Hyzyd glisse de mes genoux et se serre à d'autres livres. Je sais mieux qu'essayer de finir le livre. Pour Hyzyd ces petits morceaux de lecture sont juste justes. Vous ne savez pas qu'en lisant juste à votre enfant si souvent que possible la meilleure voie est-elle d'aider lui ou elle à apprendre à lire de façon indépendante ?

Nous passions d'habitude 30 minutes à une heure à l'intérieur de la librairie presque chaque après-midi. Le caissier me connaît déjà et Hyzyd. Une fois, je suis si absorbé avec ma propre lecture (vraiment vous pourriez aussi lire le roman entier si vous voulez) que j'ai manqué où Hyzyd était! La bonne chose qu'ils ont la videosurveillance. Je me suis positionné où Hyzyd dans juste le fait de clignoter mais je me suis promis de ne pas être négligent de nouveau!!

Next time I'll try Spanish.

from one wordpress theme to another

My first encounter with blogging is through Friendster.com on year 2006 but I don't write much in there. It was only on December 2008 that I was properly introduced to the world of blogging using the blogger platform. After six months, a friend suggested to me that it's much better if I will also have a blog using the wordpress platform. It took few months before I finally feel at home with wordpress. Maybe it's because in blogger platform I can edit template layouts, styles and colors, or even install a third party theme whereas in wordpress it's only the expert who could edit the template. If I'm not mistaken, Style sheet editing is only available as a paid upgrade. Many of the 60+ themes let you upload a header image.

Recently I just bought two domains and let them be hosted by one of my friends' web hosting business . She taught me how to upload wordpress templates from other sites . I noticed that at http://www.wprex.com, they have the best collection of free wordpress gallery for bloggers. You can choose what theme specification you want or colors and what category . It's very easy to download wordpress templates in there without even logging in. I enjoy switching from one template to another. It took me few days before I finally settle on one template for each of my new blogs.

Few more days and my 2 new blogs will be open for the public.

quest for saving energy

One of the reasons on why we moved out because we wanted to cut off 50% of our electric bill! You see, aside from our home appliances, we're also using everyday (if not every night) an air-condition unit . Every time we felt uncomfortable because of the hot weather, we easily turn on the aircon. Whereas today after we moved, we enjoy the fresh air from the trees and plants in our backyard and our electric bill was cut off to 50% ! If it's really very hot and ceiling fans are not helping much, we just walk down to the mall just around our corner and take advantage of their air conditioned rooms .

I recently discovered that we could still reduce our home energy usage and start saving today by simply reading and following the Energy saving recommendations by Microsoft Hohm.


One thing I learned from them is to set our computer to hibernate or use sleep mode when idle. Our computer accounts for about 20 percent of our home's electricity bills so turning off this equipment when it's not in use is the best way to save energy, but it may not always be practical. I learned that screen savers don't actually save energy . So what shall I do? I need to configure power management features, like hibernate or sleep mode, which begin after a specified period of inactivity.

Another important thing that I need to be watchful is to keep our refrigerator door closed as much as possible. With a toddler on the lose, if I will not check on our refrigerator, it's open for couples of minutes! It's one of the culprit on why our electric bill this month increases and we lost a hundred baht because of that!

Need more energy-saving tips? Why not visit http://www.microsoft-hohm.com/ and start saving money and energy at home today for free!

places where you'll find us

As couples we need more quality time to spend together but we don't yet have that freedom to do so as we have still a toddler who'll be tag along wherever we go. Though he has a nanny, that nanny is good only for 7:00 am-5:00 pm on school days only. How I wish to take a romantic getaway once in a while...but anyway I enjoyed the time we spent as a family in exploring different restaurants- our favorite place where we could eat as a family and talk about our love for each other, our future, our dreams , our prayers and our hopes.

Let me bring you to our favorite places in Hatyai City.

1. Hachiban Ramen Restaurant -We love their delectable Japanese cuisine. Hubby can't get over with its yummy fried rice with Japanese Roasted Pork.

2. Eat-all-you-can steamboat dinner-We surely enjoy cooking our food on the steamboat! Have you tried this? It's fun and just be sure you know how to use the chopsticks or else you'll get your hands numbed afterwards...LOL!

3. Swensens- who can resist their variety of ice cream flavors and ice cream cake especially this HOT season! This is where we usually spent our special occasions.

4. Santa Fe Steakhouse- for only less than $25, you could enjoy pork steak with salad and garlic bread, fried mashed potato with cheddar cheese, pumpkin soup and cream with mushroom soup with your desired beverage.

5. Sizzler- This is where we spent our first Valentine's day as a couple. In here, you’ll see the best features of self-service and service-to-the-customer at their table. (so far based on my experience). I think they have expanded their ‘classic grill’ to include, not only steak and seafood, but also delicious chicken dishes, BBQ ribs, and combination meals. If you’ll order a menu like Rib Eye – tender and juicy steak, seared generously with their signature steak seasoning grilled to perfection and served with your choice of potatoes or rice worth of let’s say 280 baht, you can enjoy their famous endless salad bar of over 50 fresh items for you to enjoy – Sizzler’s new seasonal salads, gourmet soups, hot appetizers, fresh taco bar, just picked fruit, and dessert! You just can’t beat their lettuce, cherry tomato, mixed cheese, red onions, sliced mushrooms, shredded beets, croutons, bacon bits, crumbled bleu cheese, macaroni salad, clam chowder, watermelon, pineapple, honey dew melon, chicken wings, ice cream cones, whew, and much more all-you-can-eat salad bar!

6. Sky Buffet at Lee gardens Hotel- If Sizzler, Hatyai at the 2nd floor of Lee Gardens Plaza Hotel has eat-all-you-can salad bar, you’ll also have “eat-till-you-drop” experience Sky Buffet offered at the 33rd floor of Lee Gardens Plaza Hotel. They have Thai dishes, Thai salad, salad bar, Thai delicacies, fresh fruits, Thai desserts, ice cream, tea, coffee and soup. The price is 149 Baht per person and 99 baht for children and Senior Citizens. Besides the food, we love the place because up there at the 33rd floor we're able to have a spectacular view of the city.

The things I love the most about these restaurant are the atmosphere, the cleanliness, the service and the amazing food .

Another place where we love to go as couples /family are the malls. For me, it's a great way to bond while having fun at the same time. When choosing outfits, I love hubby to be there to offer his opinions. It save time and money, I tell you .

We always go to the following stores/malls:

Diana is just around our corner so we went there everyday especially on evenings. There are restaurants, a ten-pin bowling alley and a cinema in addition to the shops there. Clothes and shoes are the main items, of which there is a good selection. Prices and quality are reasonable. We don't pay much attention to the sales. Everything is discounted every day of the year.

Tops Supermarkets is the number one supermarket chain in Thailand, ... Tops offers a wide range of traditional supermarket items as well as fresh ones. I shop here every other day for our meals.

British-operated Tesco has done well in Thailand operating as Tesco Lotus. This large retailer has used the 'Superstore' format and turned each Tesco Lotus into a one-stop shopping mall. The actual supermarket is huge. The quality of goods is OK but there is nothing really special. The emphasis is on cheap prices.

This is a good place to buy cheap household appliances and a limited number of furniture items. They also sell clothes, toiletries, stationery and children's toys. Buying in bulk is the secret at Tesco. Buying trays of canned drinks, for example, works out a lot cheaper than buying them individually in town.

Carrefour (the Thais pronounce it 'car-foo') is the latest superstore to hit Hat Yai and it will put a dent in the profits of rival Tesco Lotus. It is really a shopping mall rather than a single store.

Apart from the main supermarket there are the usual shops and restaurants outside plus a few new ones. Just inside the entrance are several stalls selling handicrafts from various OTOP (One Tambon One Product) initiatives.

There is also a large 'HomePro' store selling everything for the home from towels, mats, lighting and electrical appliances to complete bathrooms.

an entry for:

Hyzyd 's laugh

I can't resist the charm of my toddler's laughter. We usually play before going to sleep and his laughter is a better cure for my insomnia, it's better than a sleeping pill .

issues on loans

At some point in our life here in Thailand we’ll likely have to borrow money to pay for unexpected bills or financial emergencies. It's really a godsend that our school allow us to have personal loan with no interest at all. We can loan up to 20,000 baht payable for four months granting that three Thai teachers will sign your loan application paper as guarantors. I haven't yet availed this kind of service but at least I know that if ever we face financial crisis, we know where to run to.

Honestly, I avoided any form of loan or credit especially collateral loans. A collateral loan is a loan secured by some asset you own. You promise to hand the asset over to the lender if you cannot repay the loan as agreed. By using a collateral loan, the lender takes less risk, and it may be easier for you to get funding. Just make sure you know the essentials of collateral loans before you use one. I'm also scared to experience bad credit problems because of late or missed payments. I have a friend who couldn't apply for personal loans anymore because of her bad credit history.

I found out that there are lenders who offered bad credit personal loans with collateral. But this kind of loan is far more risky for the borrower. That's because such loans usually require collateral in the form of a home, and come with extremely high interest rates and high monthly payments. If the borrower defaults on the loan, the lender can sell the house to make up for the loss. If a person's bad credit is directly related to lower income, making steep loan payments on time can be tremendously difficult. With a house on the line, getting too far behind on the loan can come at a very high cost.

What do people use these bad credit loans with collateral for? Most bad credit loan services serve people who want to purchase or refinance a house. Some bad credit lenders offer new and used car loans as well. At the very least, a person with bad credit can receive a personal paycheck advance loan. Leveraged correctly, this money can help a person to turn his or her financial status around. It is extremely important that people who seek out bad credit loans take plenty of time to research all the options and find out exactly what they will need to do to maintain timely payments.

I wonder if there's such thing as bad credit loans with no collateral. I think this is less risky on the borrower's part.

what i really dream on vacation time

It's vacation time! If there's no limitation in financial aspect I dream of doing the following :

1. I love to try playing golf. Golf is a great game and we're just a mile away from a golf course.

2.Try other sporting activities like scuba, snorkeling, water skiing, parasailing, renting jet skis, or whatever. There are a ton of water activities to choose from whether in Songkhla, Krabi or in Phuket.

3. Go shopping! Who doesn't love shopping? I would love to visit local shops here and find souvenirs.

4. Drive around as part of the weekend getaway. But first I need to learn how to drive...LOL!

5. Take a Caribbean Cruise. A lot of cheap caribbean promo codes are available on the net.


The list would be endless if I want to as long as I use my imagination. The next time we'll be on vacation, I want to have some fun and do stuff we don't usually get to do at home. I want to be creative and try new things once in a while.

How about you? Where's your trip this vacation time and what new things are you trying to do? I would love to hear your stories!

apple ipad on the go!

Last night we went to TESCO Lotus, one of the big department stores here in Hatyai City and we passed along arrays of netbooks. I asked my hubby if I could have one in the coming days for my blogging career. He told me if I want a netbook , apple ipad would be an excellent choice. I asked my husband where did he get that idea. I'm familiar with Apple notebooks or Apple iPod touchscreen but not the Apple iPad. He read in the net that the iPad is a tablet computer developed by Apple Inc. Announced on January 27, 2010, it is part of a category between a smartphone and a laptop computer. Similar in functionality to the smaller, less powerful iPhone or iPod touch, it runs a modified version of the same operating system (iPhone OS), with a user interface redesigned to take advantage of the larger screen. The iPad has a 9.7-inch (25 cm) LED backlit multi-touch display, 16 to 64 gigabytes (GB) of flash memory, Bluetooth, and a 30-pin dock connector to sync with iTunes and connect wired accessories. Two models have been announced: one with 802.11n Wi-Fi and one with 802.11n Wi-Fi and 3G (which can connect to HSDPA cellular networks), and Assisted GPS. Both models may be purchased with three different storage capacities. It starts with $499.

I can say that apple ipad would be an excellent choice both for educators like me and hubby and for students. I wonder when this iPad be available in Asia?

experience on web hosting

Last week I decided to buy 2 domains from GoDaddy.com for only $7.49 each (available upon check out) instead of the usual price which is $10. What I then need is a reliable web hosting because I'm going to maintain these blogs to wordpress platform.

You see, last time I purchase domain for my other blog in blogger platform- Her and History it's just very easy. All you need to do is redirect your own registered domain to your blog and voila your blog is ready with its new custom domain. You don't need web hosting provider because blogger platform has its own hosting service. Whereas, now that I've decided to maintain my other two blogs in wordpress platform, I can't just redirect my newly-bought domains to my blogs, I needed web hosting. Web hosting is the space that you buy on a remote computer to store your website files. When you purchase web hosting you are basically renting space on a high-powered server somewhere in the world.

In my search, I found that some companies charge you for both domain names and web hosting accounts, some hosts give you a free domain name with the purchase of web hosting while in my case through a suggestion from a friend, I bought domains and find a cheaper web host provider to cater my blogs. I will inform you later of my two newly-set up blogs as soon as I get them ready for my readers.

scouting for brazilian blowout!

What did you do with your dry and lackluster hair? I always resort to hair rebonding. Rebonding is a chemical hair treatment that makes your hair straight, sleek and shiny. It is a permanent and expensive procedure. Prices for the treatment may vary across salons due to products used, service, your hair type and post treatment care. In malls, it costs 1,500-2,500 baht. I get it only for 700 baht from a church mate. I heard that constant rebonding can cause hair fall so I'm looking for other safer options.

I recently find out that there's an an innovative new hair- smoothing treatment promises to give you the manageable tresses you've always longed for. The Brazilian Blowout is a keratin-enriched process which makes even the frizziest hair smooth and radiantly shiny. It doesn't completely straighten your waves and curls, just makes your hair much softer, and you can blow dry it straight in a fraction of the time it used to take. But it does mean an hour and a half in the salon chair, and it doesn't last more than a few months. It is also on the expensive side. Celebrities and common folk alike are thrilled with the results.

I wonder if Brazilian Blowout treatment is available here in Hatyai. Good for US residents because they could find salons that has this latest innovative smoothing treatments like the Brazilian Blowout Temecula- I mean Brazilian Blowout treatment in Temecula, a city in southwestern Riverside County, California, United States.

I'm curious about this this blowout method because it promises to actually improve the health of your hair. It strengthens your tresses by filling in the damaged cuticles with keratin while bathing it in moisturizing and softening botanical extracts. It is effective on every type of hair, be it dry, straight, thick, fine, brittle or chemically over-processed. You can even apply the formula on top of other relaxers and straighteners. I can't wait to scout for Brazilian Blowout stylist here in Hatyai City.

the ugly barnacle makes Hyzyd laugh!

Have you seen the episode of Spongebob where he got smelly breath? Patrick tries to cheer him up by telling him a story. As he finished the story, watch how Hyzyd give the show a good laugh.