Hello everyone! I hope you all had a great Christmas together with your loved ones. Our family spent it together and there’s so much to be thankful for
1. Christmas Eve mass with the family eventhough we are not complete
2. Christmas Eve dinner with simple foods on out table. We just had spaghetti, fried chicken, crispy pork pata, cake, salad and fruits.
3. Christmas day spent with relatives
4. Kids receiving gifts from Santa
5. Kids got lots of gifts from us and their godparents
6. Christmas day lunch and dinner with friends and family
7. Opening of gifts of Christmas day
8. Greetings from a lot of friends via text, facebook etc.

I’m wishing you all a great year ahead!!

College students have a multitude of exciting opportunities at their fingertips during their educational experience. Studying abroad, joining clubs and other extra curricular activities, and making friendships that can often last a lifetime are just a few options that college co-eds often enjoy.

Learning about Other Cultures

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Studying abroad is a very exciting and enriching program that offers students the opportunity to learn more about other cultures while living in faraway countries. Communication skills, language studies, and diversity are just a few things that can be learned and perfected while living in the heart of another culture, which can often result in more marketability when looking for a career path. However, getting the cash to pay for these experiences can seem difficult.

Grants Are the Best Option for Those Who Qualify

Those who qualify for student grants and scholarships should select this option, as these do not have to be paid back. The Rotary Foundation has a program called Ambassadorial Scholarships, which provide money to students who are studying abroad. Any funding should be started at least a year prior to the anticipated date of departure, as these can take awhile to process.

Studying and Working Abroad

Federally funded loans can also be used to pay for studying abroad, as long as the college or university is listed on the Federal School Code list, available through the U.S. Department of Education. Private loans can typically be used for these expenses as well, since the student will be enrolled in classes and is using the experience as education. Some students elect to seek internships in foreign countries, which provide excellent work experience and even may result in some income.

Costs Continue to Increase

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This year, college students can expect to pay the highest costs towards tuition, housing, and textbooks than students in the past decade. This can be attributed to an economic recession, which leads to increase in tuition as well as higher cost of living and rent. Those who have to take out loans to pay for education may be wary of doing so, since the job market is limited and obtaining the funds to repay the loans might be tough in the coming years. There are options to cut costs while studying, such as renting textbooks instead of buying them each semester or purchasing and downloading electronic books to save on printing costs.

Paying the Bills

For students who are working and need a little extra to make ends meet one month, payday installment loans are a great option. Choosing this method of borrowing money results in a quick turnaround and funds are in the bank quickly for emergency costs.

Expensive but Worthwhile

College is a great way to gain education and life experience, but it can be very expensive for students footing their own bills. Choosing options that provide more money with lower interest or no requirement to pay the money back can be very beneficial.

Hey all, 2 more days and it’s Christmas already. Are you done with your Christmas shopping and wrapping of gifts? If not, hurry up and do so. Though our country is experiecing yet another big disaster because of what typhoon SENDONG has done, that doesn’t stop us from celebrating Christmas. I’ll just be praying that all the provinces greatly affected by the disaster will stand on their feet back again.

May we also know the true meaning of Christmas. It’s not all about gifts and new toys/dresses etc. but it’s more about the birth of our Lord Jesus Christ, spirit of giving and sharing, love and fun. Have a wonderful Christmas everyone!

Personal loan companies are growing across the Internet, and many people are turning to these lenders instead of the usual bank loans and cash advances. While some personal loan companies require a credit check, many lenders on the Internet don’t bother, and you can generally receive more money than a payday loan. Because of the easy application process and instant approval, getting a loan has never been easier. Here are several great reasons to apply for a personal loan.

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Debt Consolidation

For those with debt in a variety of places, taking out a personal cash loan is a great idea to consolidate your debt so your debt is held within one loan with one interest rate. By using the money you receive from your loan, you can pay off your debt to your credit card companies, or any other debt you have, and be able to keep track of it better. Plus, personal loans generally have lower interest rates than credit cards.

Build Your Credit

Taking out small personal loans that you can easily pay off can build your credit, whether you don’t have any credit yet or are looking to increase your credit score. Many people prefer this option to credit cards because of the lower interest rates and that you don’t have to worry about overspending, which is usually the problem with credit cards.

Car Repairs

Nowadays, having a means of transportation is a necessity. In order to get to work, you need your car in good working condition. If your car broke down and you don’t have the cash for immediate repairs, consider getting personal cash loans so you can get your car fixed quickly. Plus, the money is usually transferred into your checking account by the next business day, so you don’t have to wait around to receive it.

Medical Expenses

Life is full of uncertainties, so you can’t really tell when or where you’ll figure in an accident. If you’re tight on cash when an accident happens, you need emergency funds for your expenses. You can’t run away from medical expenses, so taking out a personal loan is probably your best option. With several months to a few years alloted to pay off your loan, you don’t have to get stressed with payment problems; you can just focus on taking care of yourself or your family.

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Additional Uses

In reality, you can use your personal cash loan for just about anything. While some loans like student loans, can only be used for a specific purpose, personal loans can be used depending on how you see fit. When you need emergency cash for your medical bills, car repair, or just want to pay-off your other debts, don’t forget to consider taking a personal cash loan.

Thankfully, the weather is getting a bit cooler everyday. There’s even a fog the other day that made a lot of us surprised but it was believed it was only a smog so people are advised not to be exposed to it all the time.

In some parts of the world, it’s winter already and I have to say that they need to bundle up so much as the weather can be brutally cold. For riders, they can use heated motorcycle clothing while on the road. At home, they can also use heaters and warm blankets to make them warm. Brrr..

Though it’s cold in the mornings here, we expect hot and humid days ahead that can make a lot of people mostly kids sick. So be sure to load yourself with vitamins C and eat healthy!

So thankful for the conveniences that a cellphone can give. Such a very good invention indeed. It’s pretty easy now to talk to someone especially on emergency cases aside from being able to browse the internet if your phone is capable of. Cellphones bring communication to a whole new level, you can browse the net, chat, play games, listen to music, watch videos and use lots of apps.

Lately, my SIL is thinking of getting a new phone or better yet she’d wait for my sis to give her a new phone because her current phone is just a pity. The phone can’t receive messages on time or worst can’t receive any. Aside from that it has a poor cell reception that might need a booster. I know she can’t afford to have an iPhone but I think a Samsung or a Nokia touch screen phones will be enough for her.

We always think of security for our homes, family members and even our business and it should always be on top of our priorities. We are never sure that we are always safe so we must implement some safety measures at home and on our business. Putting a simple lock on gates can already deter would be house robbers but these days, robbers are very clever and can do anything just to get inside your homes.

A lot of home owners are already determined to install home security features in their homes like alarms, smoke detectors, sophisticated lock system, cctv cameras and more just to add the sense of safety and protection in their homes or establishments. We can’t blame people from doing so for there are many known robberies and burglary even in broad day light. Electronic stores like Ilus Electronics, is offering wide range of intercoms, intercom systems, integrated access control keypads and door Phones, gate openers and a few other products that can help in security of your place. With their state-of-the-art gate openers you can already open your gate without you getting off your car. Not only home owners but as well as establishment owners can take advantage of their quality electronic products at very competitive prices.

I woke up late this morning but I thought it was still early in the morning for it’s a bit cool and still dark. It was already 8:30 am but it’s gloomy outside. I was suppose to go out to the nearest mall to buy shoes, blouse and some cigars for my sis and BIL that they asked me to send them overseas but I feel so lazy today that I decided not to go. It feels like my hormones are tumbling up and down inside me making me crazy since yesterday.  Oh I hate this feeling.

The gloomy and cool weather made me think of Christmas already. I guess I need to get my sweaters in the closet for I believe that cold weather will stay until January.

My brother owns an electronic shop in our neighborhood for many years now. He employs 3 other technicians in his small shop and fortunately, they gained a lot of customers through the years. I was a bit concerned for them right now upon reading some news about lead poisoning. I quickly remember that they are using lead for their soldering purposes and actually it’s poisonous. They are using it everyday and I guess it can or have already affected their health.. Oh no…

I was relieved to know that there are actually Nihon Superior lead-free solder that they can use to minimize the health hazard. I need to recommend this to my bro asap.

MY SIL was teasing me and handing over her coffee this morning when she had breakfast. I quickly told her that I hate the smell of her coffee (i think it was a 3-1 instant one) and it’s not like the coffee that I used to love before. I’ve stopped drinking coffee since February this year and I am amazed that I have not tasted a drop since then. wahooooo!! I’m not even tempted to make a cup of coffee for myself for I am not excited anymore to drink it. My doctor asked me not to drink coffee anymore as much as possible so as to relive the sourness that I’m feeling in my stomach.

Since I followed her advice, my stomach has gone better. With that result, I vowed not to drink any coffee anymore even if someone asked me to drink some. Yey for me!