Archive for March, 2007

Personal Finance

A Safety Net

*This post is written for SecureInsuranceQuotes.com*

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The news of a friend passing away on Monday opened my eyes that life can be very short and unexpected turn of fate might leave a big hole in life. I was wondering if the same thing were to happen to me, what would I do to continue my life.

As an unemployed woman, I live my life on my other half’s earnings and if such thing happens will I be able to survive with whatever money and little savings we have at the moment. I know I can always go back to work again but with all the expenses and debt, it would be a hard time for me to start over.

I have read and heard about life insurance but I never realized how it could be handy in harsh time like that. I searched around and found the basics and differences of life insurance policies. After reading the article, now I understand the difference of term life insurance and whole life insurance.

Personally I think if you care about your loved ones get a Life Insurance Quotes now, and get a good life insurance policy. It’s the best safety net you could provide for them in case unfortunate events struck your life.

For those residing in New Jersey and Washington, there are good deals to consider too. Get your free insurance quote today to receive the lowest possible insurance rates!

Health

What is leukemia?

A friend passed away on Monday after being hospitalized for having leukemia. At the age of 28 he left behind a wife and a 1 year plus daughter. I went to a boarding school with the wife together for 5 years and I just could not imagine how hard the reality of losing the husband hits her.

At that age, we have all plans in life ahead of us, you starts a family, your career is moving up, you bought your dream house together and in the blink of a second, all changed.

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I have heard about leukemia before but I never know that it has many stages.

I think what my friend had was Acute myeloid leukemia. He was diagnosed in February and after 43 days of treatment, he no longer survived.

All these while I never thought that leukemia could be a killer disease since I thought that we can always do bone marrow transplant to save the patient. I was wrong and it prompts me to search more info and make sure I know what is it that struck him.

The loss of him make me realized that in reality we have such a limited time in this world and we should cherish every moment of it to the best of our memories.

I hope my friend will be strong for the sake of the daughter and I want her to know that we will always be here if she needs us.

Personal Finance

Personal Loans Are Better?

*This post is written for MoneyWize*

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This headline caught my eyes: Personal Loans Better Than Credit Cards. How is that so? I think it hits me right on the nose. Thinking back, how many times I have splurged on massive “savings” when I bought items during mega sales using my credit cards, only to realize that the interest charged on the accumulated total is way above the actual item’s price before sales..huhu!

I should have known better..sob! Well now that I know (I knew about it, but sometimes the lure of those colorful discount tags blind my judgment), I will be more cautious about my spending habit.

If you are planning to renovate your home, consider taking Secured Loans to cover the renovation expenses. Quoted from the main page,

“Secured are perfect for homeowners, the risk to the lender is less hence the interest rates will be less.The main reason to take out a secure loan would be to make improvements on your home, this would increase your homes value to offset the increased debt.”

This makes sense. Not only you will have a nicer and bigger kitchen, you will increase the market value of your well-renovated home too. I will consider this.

What about additional perks when you apply for car loans? Not only you get to drive your brand new car, you also get free Green Flag Roadside Assistance plus homecare for the lifetime of your loan, and you’ll be entitled to a massive package of lifestyle benefits.

If you have been planning to further studies to graduate or doctorate level, consider personal loans as option to pay for better qualification. Life long learning is an ultimate investment you can make for yourself. Think about it!

Travel

Langkawi Island

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If you want to go somewhere locally in Malaysia, then I suggest that you go to Langkawi island. For most of the locals you will say that it’s too common but try going to any of the 5 star resorts located by the shore of the island and you will feel the difference.

For me, Langkawi is an island full of fables. From the legendary wrongly accused maiden of Mahsuri, to the story of fighting friends of Telaga Air Hangat and the folklore of a man turned to mountain of Gunung Mat Chincang, you can have it all at Langkawi.

But nothing can beats the sandy beach and blue sky. If you don’t feel like sight seeing, just enjoy your sunbathing day at the beach and let the serene surrounding envelopes you in the fresh breath of Langkawi island. Seriously, you will feel much better before you were there and the trip to the island will be a money well spent.

Oh, if you remember the picture of the giant chess board, it’s at Berjaya Langkawi Beach Resort.

Travel

Let’s Go to Elba

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If you are planning on taking an Italian vacation then head up to Elba Hotel & Travel Information at Elbatuttanatura.com.

You will be surprised to see all the gorgeous looking pictures of Elba island.

For those of you who are not aware of the geographical location of the Island of Elba, it is the third largest Italian island after Sicily and Sardinia.

The Island of Elba is the largest island in the Tuscan Archipelago which has other 6 islands such as Gorgona, Montecristo, Giglio, Pianosa, Capraia and Giannutri.

Elba Island is also a part of the National Park of the Tuscan Archipelago which is the largest marine park in Europe.

Legend says that this 7 islands were formed from pearls that fell from the tiara of the Venus of the Tyrrhenian sea who emerged from the waves.

How romantic it would be to actually lounge on the beach that originated from a shining white goddess pearl.

So if you have the heart of a scuba diver or simply wish to rest your mind, Elba is the right place to sooth your soul.

As Elba is more than the sand and the sea, take a horseback ride and enjoy the trails of its countryside.

With its mild climate and fertile soil, nature gives abundance of therapeutic plants for Elba’s visitors to appreciate especially in spring and autumn.

So, come down to the earth and smell the flowers. What a way to relax and unwind!

Games

How To Play Chess

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I always envy those who can play chess. I have tried long time ago when I was young but I don’t know why… I find it hard to grasp the concept..haha!

Now that I’m getting older, I feel like learning to play chess once more time. Maybe this time my brain has enough juice flowing and would enable me to understand the concept and strategy of chess game.

Check this online tutorial. It’s very colorful and easy to understand. So if you wanna learn how it works for chess, check it here.

For another choice on how to start your chess battle, check it at ChessGuru. This one looks more formal. I’m yet to find something that less formal but informative enough for me to retain my interest in chess game.

If you know any good site that offers beginner lesson for chess, feel free to share. I wanna learn. It’s time that I look smart with the chess board on the park.

All Blogging

Have Your Own Forum

*This post is written for Get a Community*

I have been addicted to forum, a local forum catering for women favorite topics mainly about hobbies and crafts.

Even when I am not contributing anything, I will spend about 20 minutes everyday browsing the favorite threads, checking if there are any new comments and posts from other members.

It’s like you belong to the community who share the same interest although everyone may have different opinion but still on the same track.

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If you have been planning to start your own online community then check the solutions at Get A Community - Online Community Resource.

Getting started with your online community may not be an easy task especially when the success of a forum lies in the strength of its members and strong supporters.

If you don’t want your new online community to look so bare, then a paid solutions is available. You can hire posters or new members by choosing the Forum Posters packages they have here.

With as little as $92 you can have 6 new members who will post 400 posts (130 new threads) with a minimum of 25 words per post. Don’t worry as each post will be of quality and educated content.

Read more about the paid posting solutions here. What the writer wrote really makes sense.

Today I was invited to a new wedding portal created locally and I did checked into its forum. It has no post except the welcome lines from the admin.

What a sad way to start a forum. Maybe if the owner has written few posts in certain topics I would be inclined to join as a member too but since it is too empty I don’t feel attracted to contribute.

I’m thinking of creating my own online community of knitters, what do you think? Not sure whether the company has professional knitters who can write the paid but intelligent contents for me..haha!

Personal Finance

Money To Marital Bliss

You met your dream guy, he seems to have an understanding heart but he’s lacking in terms of financial. In fact you earn more than he does. But who cares! Love can endure all and the two of you decided to get married.

Within a year, you give birth to your first son, then the reality starts hitting you. You have to pay for the day care, the car installment, the house rent, the groceries, the diapers and milk and you find it hard to sleep at night thinking how much bills you still need to pay, and without you expecting it, you got pregnant again with the second child.

Your Mr.Right is still earning as much as he earned 3 years ago and you wonder whether you make the right decision when you decide to marry him…

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It’s hard to stay in love when money is the problem. Especially in a situation in which one partner thinks that he or she is contributing more and the other person is just enjoying the greater reward from the hard work. Like a partnership business, every partner should contribute equally though some times we hardly recognize the contribution especially when it does not materialize in terms of wealth and money.

I was reading about personal finance when I came across this article about secrets to marital and money bliss. If you read through the article you will realize that the answer to any marital problem be it money or otherwise lies in the art of communication. Marriage is more than sharing the bed, is a sharing of feeling and mind.

If you are not happy with how things go, it’s better to make a smaller wave of conflict now than to let it burrow inside and later erupted like hurricane or tsunami. If you need help, whether you are planning to get hitched or have been married, check these six money mistakes of newlyweds. Hope it will help you survive the early years of married life.

All Blogging

What’s A Bum Key?

*This post is written for BrickHouseSecurity*

If you have watched the above video, then you will understand what I mean with Bum Key. The Bum Keys are sold legally over the Internet with price as low as $5. Now it makes me wonder whether all the keys in my house are safe. Maybe it’s time that I invest more on my home safety by buying Bump Proof Lock.

Personally I think with the news about the existence of bum key spreading on the Internet and TV, more crooks will be aware (if they have not been before!) about how easy to crack open anyone’s door. Like the locksmith guy says in the video, the bum key is an old story since most people already know about it, (huh!)

However, looking from another point of view, for common people who are not aware about such key, it is a good exposure and new knowledge to gather. At least we will be more careful and think further about our home safety.

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There’s no point of having all sort of home protection, if the main door is not bum key proof.

So for those who are concern about the bum key attack, it’s time to consider changing your door lock to something like Bio-knob Fingerprint Door Lock -Satin Nickel.

With this biometric key, you no longer have to hide the spare key under the plant pot on the yard. :)

Feel free to check all the selections of bump key proof lock they have online.

If you really want a peace of mind before you go to sleep or go on vacation, then consider having home security system installed.

You can also install network camera so that you could monitor your home or office over the Internet.

Another option is to have video security camera system so that you know what happen behind your back.

Self Development

On Self Defense

I consider this as part of self development especially when in reality, there are a lot of cases of attack, mugging, rape and murder on the prowl.

I hate to read newspaper everyday and listen to news on TV only to hear such agonizing end. I wonder what is happening to the world today? Was it too much pressure in life that people become more violent or was is something wrong with our society infrastructure that people has to become the hunter in order to survive in these sky rocketing stones jungle?

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I was searching for good article on self defense when I found this one. It’s easy to understand and I like the color layout it has. The topic itself is gloomy (especially when you think of all the uneasy outcome of being attacked) so I try to find ways to cheer it up…hehe..

It’s maybe written for teenagers but still the basic of self defense is valid for people of all ages.