Home Project Continues this March

slowly building a second home.

Goodbye February!  Hello March! I was not so feeling good when I woke-up this morning. I was having a headache and  good to know I am feeling very better now. I am not really a coffee drinker but I decided to drink a very strong coffee to ease the  pain in my head. I believed, caffeine really helps in getting rid of headache. I already tried it a lot of times and it works.

Just an hour ago, I was chatting with my family back home. The chat was especially about the home project that is going on in my home country. I guess, I am already slowly getting ready for my come back. Not really now, but in the years to come..when things get better and I already have the resources I need to be backed home for good.

The home project started last year in November. This is quite a big project. The construction of  another house was put into reality. Last year in summer, already I started working. I told myself, I want to build another  home near the city and with the salary I get, I want to see something from it.   This home project is not in a hurry. Hopefully in 3-5 years,  the house will be finished.

Thanks to the decision of buying a lot near Cebu City.   During that time, the price of the land was still  affordable. As of now, the location of the property is  getting more expensive because there are already a lot of houses, apartments and subdivision in the area.

Thanks to the trusted brother who is managing the construction. Without him, this will never be possible. Thanks also to the siblings from the USA, who are also helping especially with the finances.

Hopefully in the next vacation in the Philippines, we don't need anymore  to stay in a hotel in Cebu City.  This home project  might be partially finished. I hope, it  is  done when we go there for another holiday.

This time, I have to avoid shopping to invest more for this realty project. By doing it, I can have something for the future especially when I go home for good.

Cheers and I wish everyone a fruitful and wonderful month of March. God bless us all!

The beach is a timeless trend in real estate

The real estate market seems to be on the rise in some of the more coveted regions, and this certainly includes Delray real estate. West Palm Beach real estate has always been desirable among buyers, despite slumps in the market or economic recessions.

Delray real estate is an area worth investing in. The yield on buyers' money can be found with home values that climb, in an area that anyone would be delighted to live in. 

Understanding Mortgages In U.S. Housing Market

Part of the American dream includes home ownership. Even during tough economic times, U.S. citizens still have options when it comes to financing a house with a mortgage. The housing market often fluctuates but there are some government sponsored programs that provide some stability. For example, the Home Affordable Refinance Program (HARP) is designed to alleviate some financial burdens of paying expensive loans. Monthly payments can be lowered with this type of financial package that is available for the working and middle classes.

Gold Coins and Jewelry Exchanges

People are always looking for unique jewelry designs that truly stand out from the rest. Gold coins could be integrated into interesting jewelry combinations that are sure to attract plenty of positive attention and remarks. A coin could be integrated into a pendant, cufflink or earrings. Sterling silver jewelry makes an excellent contrast to high quality gold coins with ratings such as 14K and above.

Gold coins could also be exchanged at great prices in numismatic shops. The value of a coin is based on a few simple factors. The year of mint determines the historical value of a gold coin. Additionally, the specific edition may also have an impact on the price of a coin. Some coins were circulated in very limited numbers during time periods that may have involved wars and political instability in the United States.

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 http://www.annuityadvantage.com 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?

Best Financial Investment

Economic crisis is still going on around the world. After the collapsed of Lehmann brothers, it made a domino effect not only to a lot of financial institutions around the world but also to all forms of businesses and industries as well. Recession is everywhere and many became jobless. At this point of time, you must know where to invest you money. Tender money always fluctuate and most of the time depreciate while the price of gold is always appreciating. I also watched a news before in the Television telling that gold prices are always stable.

I also believed that investing on gold bars, gold spot, etc. is very much better than investing on securities or bonds. If ever you need more guides and ideas about this, you can also find a lot of information online on where to invest your money or maybe where to buy gold bullions as form of your investment. You can also consult the experts near you especially the investment bankers who can give you guides and infos about proper investment. I do agree that investing on gold is one of the best investment one can ever make. I wish I can!

Investing at Young Age is A Good Act

Investment can be in any form. It might be a house and lot that you buy. It can be a form of savings deposit in the bank, a security bond, investment bond, time deposits or can be a form of a life insurance. Would you believe that I also made some human investments. I helped my sisters go to school and to take degrees or studies. I am happy now that they are already done in college and I am proud of them. Isn't it a very good human investment? HB also made some investments. Hopefully next year, he can already have the return of premium life insurance which he have been paying for almost three decades now. We are hoping to have a better financial freedom in the coming year. I am also happy to have little investments back home. It is better than nothing. So young people out there, you better invest wisely while your young. The younger you are, the better for your future.

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 emoneycentral.com, 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, emoneycentral.com 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 emoneycentral.com, 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!!!

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 earth.co.uk. 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 earth.co.uk. 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!!!.

Perfect Timing for my Friend Who's Looking for Modern Furnitures

This is just a perfect timing. I got a friend who will be going back to the States after their work contact in Germany. They had been looking for furnitures here to be brought to the US but I guess it is very impossible. Besides that the prices here in Europe for furnitures are really very high, in addition to shipping will really be more expensive.

Besides that the current exchange rate of Dollar versus Euro is also very high. Her husband earns dollar (working anyway in one of the US bases here) here in Germany, so I guess they won't buy for such expensive furnitures here.

The last time I spoke to my friend, she mentioned about buying especially for a modern bedroom for them and another one for their only child. I believed, she will be happy if I will tell her about modernline Furniture. I already knew my friend's taste like being so always modern and stylish. Guess below is the perfect one..


Anyway, it's not really a problem with choosing a modern bedroom at Modernlinefurniture.com because they always have cheaper, qualitative, and quantitative items to choose from. They also have unique and exclusive models, colors and styles.

She will probably be surprised once I tell her about modernline Furniture. Not only that, they deliver anywhere in the US with a flat-fee shipping cost regardless of any order size. She can also have a variety of choices with a very reasonable and competitive price in looking for her modern bedroom.

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