self-admitted klutz, wicked at times, suffering from multiple irony, but trying to be the best mom and sexiest human being her two children have ever known
Perhaps you know this feeling of finally owning your own home for the first time. It’s one good feeling everyone should hope to achieve. No more rent payment, no more rude landlord or landlady, no more ceiling with molds and no more appliances that don’t work. Imagine that. But since the economic downturn, the dream of owning our own home seems a bit more out of reach. Even with the price reduction of most homes all over the country, people are still not buying. They’re even selling their own homes for fear of foreclosure. I don’t even know where it all started. I mean, I knew it was happening but I didn’t want to accept it.
But there is still hope for first-time home buyers. With Real Estate Tax Benefit where anyone who has not owned a home for the three years, can finally own a home and receive up to $ 8,000 tax credit. That’s big money but anyone wishing to purchase his or her home should act now since the tax credit won’t be there for long. You only have until end of April to avail it.
So that’s really great news for first time home buyers. I’m quite sure you’ll experience what I experienced the first time I entered my very own home. It was superb. For more details on the tax credit, watch this video.
Sales people just don’t get it. I know it’s a tough job to sell especially something that you can’t even physically hold on to. For instance, insurance and educational plans. You just hold on to a paper or a contract or receipt. I don’t want to be in the position of health insurance broker. I don’t even know if I can find one good prospect to sell an insurance to.
It would a very tough transition for me from selling advertising spaces and writing service to selling health insurance. But one friend of mine is so great at his job. I did not expect him to buy a brand new car in a year working as an agent but he just did, a few weeks ago. I guess I’m by far the only one who’s not looking for a positive environment.
So what’s his secret? Reliable health insurance leads. With so many agents around, getting quality leads is important. Like he said, “you don’t want to work harder, just smarter.” And I believe him. Agents simply do not do well directly competing against other agents and it’s largely a failed concept. If it means hunting people down day after day week after week so they can land 1 out of 15, to me that is not “working.” I guess looking for quality leads instead of quantity leads is more effective.
I am trying not to hyperventillate every time I think what is in store for me this year. This is the year that would make or break me. It’s all happening… Everything and more. And I can’t help but be scared. I’m doing everything for my family now. This is the year that I mature. That I become a parent not only in title but also in deed. I only have two years more before I turn forty. And when I think about it, I panic. I don’t have enough savings. I don’t have a steady job. And I don’t know what I’m doing in so far as finances are concerned. Lord, help me get through all this for my kids.
Every Friday, my kid and I go out to eat and walk for hours inside the mall checking out shops. I totally enjoy this time with my kid and I can safely say that she enjoys it too. But have you tried going out with just enough cash for lunch and nothing else? We did that yesterday. I had to buy prescription eyeglasses for my son last week who has been complaining of blurred visions for many weeks. I accompanied him to an eye doctor and the verdict was Astigmatism. So we had glasses made and he got it last Thursday. I must have spent around $150 for the whole thing. Anyway, I should have gotten his pair at Zenni’s. I don’t even know why I never thought of it in the first place. The doctor that we went to had a whole set of eyeglasses to choose from that it felt like we had to buy from him. I should have said no. I should have done what Eric Hammer did. In his article, he tells us that he has been going to Zenni for the past eight years. Yes, he goes to his optometrist but he directly goes to Zenni to have his pair made. That’s what I should do. Anyway, there’s still a next time.
It was a busy week for me and it looks as if it’s not about to change. I’m going to work on a project this weekend apart from organizing my dad’s birthday party this Saturday. I don’t even want to know the ton of work lined up for next week. One at a time. That’s the trick. Just focus on one task till you finish it. I’m actually no good when it comes to multi-tasking. When I do this, the results are almost always half-baked. Anyway, I will leave in an hour to to have business cards printed for my sister. It would have been an easy thing to do but she asked specifically for cheap business cards. Where am I going to get those in an instant? It’s a good thing there are online sites that do that. So I might not even leave the house this morning. I came across PrintsMadeEasy.com. just now and it’s a good thing the site offers priority shipping. I could send those business cards straight to my sister’s home. I’m liking this day. I get things done without leaving the house. It saves on gas and parking fees. Great! I might even get a few hours of sleep before I pick up my kid from school.
People are really getting serious about blogging. Why? For one, they are getting their own domain names. Getting your own domain means paying for it and anything you pay for only means that it’s something important and worth your while. That you’re willing to shell out money to achieve your goal is serious. I have my own domain and I’m glad I did. People who read my blog think that what I write here are all true. They don’t know that half of it are fiction. No, kidding aside. Anyway, if you’re really serious about blogging then you should get paid web hosting. More and more bloggers are discovering the advantages of getting their own web hosting. You don’t have the restrictions of a free webhost. With paid web hosting, you are in charge. You can increase your bandwidth, increase your space and really customize everything based on your needs. You can also have your own email address or addresses. And there is tech support. Most even offer 24/7 tech support. And it’s really not that expensive to get your own webhosting. But the best thing perhaps is when people visit your site, they would know instantly from your own domain and webhost that you are serious about your product. That your visitors can trust you. So, how do you choose the right web host for you? Try to read about web hosting news. Know what your needs are. For more information about webhosting features, you may also visit WebhosstingGeeks.com.
Have you ever had times when you were short on cash and you badly needed to buy something? I’ve experienced that countless times in the past. I admit, it’s not everyday I have enough cash on hand. There are times when I need to purchase something and my money is not enough. During those times I wish I had a credit card. So I submitted a lot of credit card applications hoping that one of them gets approved. True enough, one of them got approved just in time for Christmas. But I wish I reviewed all the credit card offers and chose wisely. It seems that the credit card I have now is useless. I could not even use it in shops where 0% interest installment plans are being offered. Last Christmas, I wanted to buy a new television but my card can only process straight payments. So now you see why I term my credit card useless.
I hope they add installment plan availment in the new credit card rules. But I’m still happy that these new rules provide consumers protection from rate increase and surprise charges. Well, it’s about time. Anyway, if you are planning to get a credit card, I suggest you research first. SmartCreditChoices.com helps consumers find the best credit card deals online. I wish I had known that not all credit cards are the same.
I was out the whole afternoon doing errands that I only got to eat lunch at around two pm. I wanted to finish early since I can’t drive beyond 3pm because of color coding. Anyway, I went to eat lunch near my little girl’s school. From the outside you would think that it was just one of those small cafeterias offering home-cooked meals but I was surprised to see that it was an upscale coffee shop. The interiors was elegant with hard wood tables and comfortable stuffed couches and high back seats. The ambience was reminiscent of a warm, cozy cabin with iron cabin decor and the works. All tables were set complete with water glasses, table napkin and expensive utensils. I immediately thought about my budget. I promised myself that I would not spend so much on eating out but there I was, about to spend hundreds again. And true enough, the food was expensive. The cheapest on the menu was the panna cotta for dessert and I was not even craving for dessert. So I just ordered a pasta dish which cost around 250 pesos. Anyway, it was good but not nearly worth it compared to what I had to pay for it. I might eat there again just to try out the 21 day old steak.
I’m praying that I save enough money so I can go visit my relatives abroad. When I say enough, it means enough for two people to travel. I won’t be traveling alone because I’ll bring MG with me which reminds me that I have to get her a passport and schedule an appointment with the US embassy. I don’t know how it goes now but I’m hoping the process won’t make me stand in line for hours under the heat of the sun. Anyway, the trip would be dual purpose since my cousin is also getting married and I want to witness that. She recently called me to ask if I knew anyone who makes return address labels. I don’t know where she’s going to use it though. Anyway, I’m really praying that everything would be in my favor this year. I have so many plans this year. I would also like to study. I want a new car. I want to get fit again. I want a new set of wardrobe once I lose this stubborn weight. I want, I want. And I hope I get them all. It’s free to want things as far as I know. The only problem is, how am I going to achieve that? If I get to choose just one, I would want to visit my relatives abroad and attend my cousin’s wedding.
I don’t know if I should replace my car. I’ve had this one for about seven years now. I didn’t buy it brand new. I got it second hand so that should add two or three years to it actual age. So it’s ten years old and for a car that old, repairs should already be left and right. But luckily, I’ve only had three major repairs for this car. I haven’t even replaced the steering rack yet so that’s good, right?And I’m hoping that I would never have to do that. So should I buy a new car? Perhaps I should. But I have other priorities that are more urgent than car replacement. Like what I wrote in my other blog, I want to visit my mom and my sister abroad. I plan to do that last quarter of this year so I’m saving up every penny for that trip. The thing is I won’t travel alone. I have my kid with me so that’s already times two. Oh well, my car is still working anyway. I might buy a new one next year. To be more practical about it, I don’t even need to buy a brand new one. A second hand newer model car would do just fine.
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