Showing posts with label Business and Finance. Show all posts
Showing posts with label Business and Finance. Show all posts

Wednesday, February 27, 2013

Good Investment for the Future

If you have a choice, what would you want to buy a new house or an expensive car? I know some people who put their investment on luxury cars? Is this really an investment? I guess not! If I have a choice, I will surely buy or built a new home than buying a luxury car, besides a car depreciates and a house especially the lot always appreciate.

Thus, I can say that buying or building a home is a true investment  rather than buying a luxury car. I am actually talking about annuity here. If you want to know more it, visit for more information. A good example of annuity is monthly home mortgage payments, monthly insurance payments or a regular deposits to a savings account.Did you have any of this?

We actually made a choice and I believed I did made the best choice. I built a house back home when I was still working before. Now, I already see the fruit of our labor and the  our home is already fully paid. I believed it is a good annuity and the best investment we ever did, building a retirement home in my home country. That is why I am just driving an ordinary car not a luxurious one.

Did you already made the right choice of investing your money? I hope you did?

Saturday, March 20, 2010

Be Careful When Using Your Debit cards

I just read this afternoon about some information regarding the use of debit cards and when to avoid using it. I was trying to browse that link but I can't find it anymore. I rather share my experiences about it. These are some reasons why you avoid using your debit cards. First, never use it when shopping online. It can be very dangerous. I would suggest that you use your credit card which is quite safer as using your debit cards. If you need credit repair services, you can also try to click this link here. Second, never use your debit cards when paying for restaurant bills. You might give your account information to them. Again using credit cards is safer. Do not also use your debit cards when you go shopping. I guess it is very obvious why. You can browse online for more tips and reasons why you need to avoid using your debit cards.

Thursday, May 7, 2009

Time For Accounting Our Insurances

Hello everyone! How's life going on! I finally have the chance to post here before Thursday is over. Life has been very busy for me for the past days..The time that I have is just enough to give you some updates in my blogs. Last week, I also accounted everything about how much we are paying for insurances. It's time to know everything so that we can budget my husband's income. I am still happy at least we can still make a short trip and vacation. Could you imagine paying various insurances for almost half of your salary. It also includes my husband's life insurance and mine also. The only advantages of having a better life insurance is during times of emergencies. We never know what happens in the future. At least we are financially prepared. How about you? Have a great evening! more updates tomorrow!

Monday, July 14, 2008

I Really Need to Loss Weight!!

I really need to loss weight. Since my two months vacation in USA, I already gained more kilos which I believed to be unhealthy. I love to cook and of course eating too!! Bad habit!! I know one way of losing weight is having exercise everyday. The problem is, I am quite lazy doing exercise..Sometimes I go walking but it is not enough to loss some kilos.

I am thinking to take weight loss pills but the problem is that, I don't know which pills I need to take. I know it is not easy to choose the right product. At, I just found some infos on what's the best weight loss pills can someone take. They help you figure out what is the right pills you can take. The experts working in this company are always ready to assist you.

Before you make a decision for so many hundreds of pills to be taken to loss weight, consult now They will recommend the right product at the right price for your weight loss dream.

Stay happy and healthy!! Join me in my journey of losing weight!!

Thursday, June 26, 2008

Car Insurance Rates

Owning a car would also means, you need to have an insurance for it. In USA, as well as in Germany, it is a must having insurance when you own a car. I remember in 2006 when I first bought a new car in Germany, in which the transportation office required insurance papers or confirmation that you must have an insurance before you can register your car. I believed, it is the same here in USA.

There are lots of auto insurance companies that provide insurance protection for your car. Depending on what type of car you have or even the size and age of your car will determine how much insurance you have to pay for it.

I would suggest that before you buy a car, you must also think how much it cost for you in the future like how much insurance you must pay for it. Another thing to consider is the cost of gasoline that it consume especially now that gas prices are getting so high.

With regards to insurance for your car, I would like to refer to you Car Insurance Rates. It is a company that sells not only car insurances but also provides you with useful tips and information on how you can save insurance for you car.

If you want to save money for your car insurance, don't forget to click and get a quote now!!

Wednesday, March 19, 2008

Debt management Plan

Before I begin I would to share what does debt means???Debt is that which is owed; usually referencing assets owed, but the term can cover other obligations. In the case of assets, debt is a means of using future purchasing power in the present before a summation has been earned. A debt is created when a creditor agrees to lend a sum of assets to a debtor. In modern society, debt is usually granted with expected repayment; in many cases, plus interest.

I believed almost everybody is very familiar with the word debt. My question is; Do you know of somebody who don't have a debt? I guess everyone got one. What do you think??I had to admit that I also have some debts. I built a house in the Philippines last 2004 and some of the money I used there was borrowed in the bank.

Since I was already unemployed we need to have a Debt Management Plan so we can cope-up with all our financial and economic needs. Life in Europe is very expensive especially in Germany. Now that my husband have to provide with all our daily needs, we need to budget everything. I mean only spend the money wisely; like for example not buying things which we really don't need. I myself being an Accountant have to take a consideration of my husband's Income versus Expenses. It simply means don't spend more than you earn. Do you agree with me??

I also find the site very interesting as they give advices and very good tips about Debt Management. It is a site that helps debtors avoid bankruptcy. Their site is full of resources that will surely help you not to turn into bankruptcy.

What are you waiting for??? Take away your headache and stress..Visit now!!!

Wednesday, March 12, 2008

Credit Cards for Bad Credits

With the hard Economic condition now in the United States, a lot of Americans are drown to credits. The only bad thing is that, they cannot pay their credits anymore. Millions are really in financial crisis that they cannot pay back their home loans, car loans, credit cards and other more different kinds of credits. It is really a very sad story but I believed that they must not lost their hope in this kind of situation.

"In every problem, there is always a solution", as the saying goes. With your bad credit cards, you can visit It is a free consumer resource that helps those people with bad credit rating. They provide you with the best credit offer that best suits your need. They also provide customers with the top 10 credit cards and are really wanting to help you in all your needs to solve your financial agony.

Regardless of your credit history,'s main purpose is to provide customers with all the knowledge and resources, helping you to find the best credit offer depending on your needs.

Don't hesitate to contact them now!! It's still not too late to build your credit and your family's financial future. They will be glad to serve you!

Friday, March 7, 2008

Training Courses

I had been to different trainings before when I was still working in a financial institution and in a retail store. That was so long time ago. I attended trainings such as Supervisory Management Training, New Psychology of Selling, Sales and Service trainings, Quality Focus team and a lot more to mention. Now, I am a jobseeker and I believed that I need again a lot of trainings in addition to improving myself more. I was also an entrepreneur back in the Philippines. I want to improve my management skills because my husband want to retire to the Philippines and I might open again a business there, hence I need Management Training. offers different training courses which are run by qualified staff. It is an approved training centres which is ready to provide you for all your training needs. They offer training courses like;
* Sales trainings
* Management Training
* Plumbing courses
* Telephone technique
* Selling Professional service
and a lot more to choose from.

If you want to advance in your careers like me, choose now the best training courses that fits you need at

Credit Card for Bad Credit

A lot of Americans experience now bad credits. I even know of one friend who live in US and have the same problem. They just bought a new house through Mortgage and leaving their old ones but still paying for its mortgage. So now, they are paying two house mortgages. They found the situation now very difficult to handle. I want to suggest that they visit this site below. is a free consumer resource website featuring and offering the top 10 credit card for bad credit. They have experts who always monitor the credit market place to provide consumers the best credit cards for bad credit.

If you are still looking for the best credit offer to fit your financial needs just visit so you can begin your search what credit cards fits for you. In that way, you might rebuild your credit by making payments on time and also rebuilding your financial future.

Wednesday, March 5, 2008

It's Money Time!!

Do you know how to earn more money from your money?? or Do you have an idea where you can deposit your money to earn better and higher interest. This is a money business not a monkey business.

As a former banker, I used to advise our customers before where they can put their investments to earn better interest. I handled before CASA (current/checking and savings) deposits and TD (Time deposits), money markets, swaps account, trust funds and a lot more. The clients whom I handled before especially the one that we called "valued clients" are very concious and sensitive with regards to interest of their money. I don't have a problem with them because I always offered them the possible best and highest interest. I even marketed more customers due to my personalized and excellent service.

I just viewed, a personal finance site that tracks and provides you the best rates on investing your money. Weather looking for the highest rates on certificates of deposit or known as CD, checking accounts and even savings accounts from different banks and credit unions in USA, makes it easier for you.

Their finance site gives you charts, statistics and lots of informations where you can compare rates on savings accounts, checking accounts, and CD accounts which are easily reached by a top navigation bar.

I am amazed when I saw in, an interest for checking accounts ranging till 6.00% annually and for savings account till 4.60% annual percentage yield..Really amazing!! The bank where I worked before give zero interest on purely current or checking account and only 2.00% interest for savings account.

Check it up guys!! Visit their site now and earn more money from your money!!! That's the wisest investment you can make!! Remember no monkey business!!!

Tuesday, March 4, 2008

Switching for Lowest Possible Price Insurance!!

I had a car accident last year. I mean, I hit a car while backing-up. It happened so quick. Before there was no car that was parking there as I went inside my car but as I was backing up, it was already there so quickly that I did not notice it. The car was parked in a prohibited small street. Normally he must not park there. We called the police to report the incident. The police said that, it was my biggest fault because I hit a car that is not moving. Partly it was also the fault of the other driver who parked his car in a prohibited place.

I am thankful that I have an insurance. The police said, that I might not pay for all of the damages because it was also the fault of the other driver. I also reported it immediately to my insurance company to take-care of the damages and everything. In Germany and I believed in most part of Europe, if somebody want to own a car he must also have an insurance for that. It simply means "No insurance, No car".

I paid a lot on my car insurance alone, not including my other insurances such as life and accident insurances. We also have a family insurance and a lot more. You cannot live especially in Germany or almost member countries of European Union if you don't have insurances just like health insurance.

If you are looking for the lowest possible price insurance, just visit Van Insurance. They offer varieties of your insurance needs such as for Van, car, trucks, bike, home, travel, commercial and a lot more of insurances. Just like for Van insurance, they offer the lowest possible price for it.

You don't only have a cheaper Van Insurance with the same level of coverage but above all the excellent and world class services they offer. They even offer promotional and special discounts until 70% for new policies.

Why not take the opportunity that Van Insurance offers. You only don't get excellent services but also cheaper prices!! Visit now their site and you see the difference!!!

Need An Emergency Loan??

It happened to me before. I just need an emergency money due to a very important thing. My funds run-out already and must wait for the next payday. At that time there was still no emergency loan but to run to my officemates and asking them to lend money to me. Sometimes it is a shame which I really don't want to do, but it's emergency so I have to.

Nowadays, it's already very easy. I just browse from the internet how to have an emergency loan or the so called payday loans. So for those who still don't hear about it, just visit this page and it is so convenient for you.

How it works anyway? It is very simple..Payday loans provides you with the money you need before payday comes. It will give you a peace of mind and more financial freedom without asking for your friends or officemates to borrow money for your emergency needs.

At Payday UK, they will give you an instant online decision which makes it so fast and simple. All you just need to do is fill-out their application form, press the button "submit" and your done. You don't have to wait for a day or two because they will give you an instant answer if your Payday loans have been approved. You don't need faxes or post for your application and loan agreement since it is available for you online for signing.

Don't wait too long!! if you need emergency loans just browse have a peace of mind!!! What are you waiting for!!!

Monday, March 3, 2008

Searching for Easy Mortgage Quotes???

I have been working before for almost nine years in one of the Top 3 financial institution back in the Philippines. Being rotated to the different positions of the bank, I was also assigned as Loan and Discount Clerk. Not quite an easy job but I like it due to a lot of challenges and diversity in the job. This simply means that I also processed paper works regarding loans. In short, Mortgage is not a new word to me. With regards to this, I also have some knowledge of what are possibly the current market trends regarding loans and Mortgage.

You might already heard about Mortgages or even got one but don't know exactly the meaning of it. A mortgage is a method of using property weather real or personal to use as security for the performance of an obligation, usually the payment of a debt. It is also commonly used to refer to the debt secured by the Mortgage.

If you still want to know more about mortgage you can visit In this site you can learn a lot about mortgages...just like for instance the following;

* What are the kinds or types of mortgages.
* How is interest being computed on the type of a certain mortgage.
* They provide a Mortgage Enquiry for easy computation quotations of your mortgage amount.
* They also have for you current news in relation to financial and economic informations to know what are the current trends regarding Mortgage.

So why made yourself so difficult trying to find about Mortgage when you can have it so easy at They search the whole mortgage market so you can only sit back and relax!!!
Visit their page now for more information!!! Don't forget to get some quotes!!!.

Wednesday, February 13, 2008

A Contradiction or a Truism?

"Play it safe; take a chance." At first glance, this statement may seem to be contradictory, but it is absolutely true that the person who won't take a chance hasn't got a chance.

For example, when you invest in the stock market, you are taking a chance. There is risk involved. But historically speaking, if you invest sensibly and go for the long haul, your returns will be consistent and appreciably larger than those you would receive from an interest-only deposit.

Homeowners take chances when they rent their homes because most tenants will not take care of a home as conscientiously as the owner of that home. However, any real estate agent will tell you that it is a far greater risk to leave the home empty because it deteriorates much faster empty than it does when it is occupied. After all, homes are built to be lived in.

The ship that leaves harbor runs certain risks because of currents, possible storms and potential collisions with other ships -- all of which can create real hazards. However, the ship is at greater risk if it is simply idle at anchor. It will collect barnacles faster and become unseaworthy faster in the safety of the harbor than it will while sailing the high seas. After all, that's why ships are built.

The farmer takes a huge risk when he plows the soil, plants and fertilizes the seed, and puts insecticide on the plants and trees. He puts his sweat and time in the project and is at the mercy of the weather until the crop is harvested. It's risky all right, but if he didn't take that risk, the land would provide little, if any, return, his family would suffer, and you and I would go without many of the things we take for granted.

In life, we undergo certain risks, and if we simply play everything safe, we do not have a chance. So take a chance, and I'll see you at the top!

by: Zig Ziglar

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