I went to the store earlier to get something this weekend, it was so packed and the lines were unbelievable. You would be amazed by the number of people who haven’t finished Christmas shopping yet. They’re really many procrastinators! :-)
I guess this last minute shoppers are willing to pay whatever asking price so they can get gifts for their children and loved ones, and the cash registers go crazy few days before Christmas.
My two sisters just bought a condo together few months back. At first I thought it’s a bad idea to buy an expensive property with less than 30% down. But, after I have visited the place and fell in love with their cozy home. I think the home is worth more than the house, a good buy indeed.:-)
Well, my first sister MC is a careful financial planner and thrifty spender, she has probably done more detailed calculations than the loan calculators could. Though this is the first time they are buying a house and therefore do not have any experience, they are resourceful because they search for information online and ask their friends who are experienced. I am sure they have thought through the whole process and are certain they could afford the repayments before they decided to buy the condominium.
My trip to PJ was mostly to meet up with old friends and to visit my sisters’ newly bought condominium. I really like the place, they have done a good job furnished up the place, make it into a cozy home. The kitchen cabinets are still in very good shape considered the fact that the place is more than 10 years old.
Though the condo is not a big unit, it’s spacious enough for three of them (my two sisters and brother). The location is also very strategic, it’s within walking distance from public transport and that’s very convenient for the first sister who doesn’t drive and often work late. The common areas in the condo are also very well maintained and the security is well managed, the only down side is: the monthly maintenance fee is rather steep and is on the high side. I only wish when we move to IL next spring, we would be able to find a condo or an apartment as nice as this one.
My brother works in the bank selling personal loans. You would think most of his clients are low income people. In fact, it’s the opposite, people who are qualified to take up unsecured personal loans have to be in the category of high income group! You may
wonder why people who earned close to 1 million annually are heavily in debt. Then you look at the houses they live in, the cars they drive, you would not be surprised anymore. Well, my brother told me that many people are living a lavish lifestyle with debt piling up to their eyeballs!
But, they are also many hard-working people get into debt because of mistakes. But those who are willing to keep working hard to get rid of their debts, there’s hope to have a financially peaceful future.
Real debt help is not easy nor quick. You can get help from a credit counseling company, have your debts consolidated and managed, but you still need to solve the root cause of the problem - your spending habit and lack of budgeting to make sure you are saving enough for “unexpected” events.
If you are in financial stress because of something you’ve done, you need to get yourself out of the mess, making sacrifices in order to fix the situations that you created with your own irresponsibility. If you are not willing, or think it is too hard, you will never get out of the debt that you brought upon yourself.
All my siblings were home yesterday for the Tong Zi Festival (Winter Solstice). Mom cooked some customary Tang Yuan (glutinous rice balls). They are easy to make, but most of the adults in my family do not fancy this sweet balls cook in syrup, they were for my niece and nephew who like sweet stuffs.
However, we were looking forward to eat the vegetable glutinous rice dumplings that mom also make on the same day. Mom cooked the vegetable dumplings in chicken soup, very yummy, especially on cold days, one of the comfort foods that we miss very much.
I never have acne or pimples when I was growing up, I guess I am lucky to be spared from those unsightly acnes that some of my school mates had. So, I didn’t really pay much attention or take care of my skin like I should. I was pretty confident I won’t have skin problems!
Right now, two decades later, due to the ovarian cyst and all the hormonal changes that associate with it, I started to have pimples. They are really mild compare to what many people have, it is not even too noticeable, and typically only comes and disappear with the PMS. I can count myself lucky as I do not have to deal with pimply face and skin problems. However, I am sure others may want to know what causes acne and how to prevent it.
And for those seeking tips to prevent acne or information on acne treatments, check out acne.com, all the necessary information about acne is available on it. You can find various causes and effects, types, preventative measures, and common myths and claims on acne, so do surf over and find out.
Remember, acne cause more damages to our child’s esteem than we thought. So, deal with it correctly. One of the greatest myth is chocolate cause acne. Well, contrary to popular belief, chocolate does not cause acne. So if you are missing out on foods which were wrongly thought to cause acne, all the more you need to find out more about the myth of acne and be enlightened! :-)
Back from trip to PJ! Feeling so exhausted from a few nights of sleeping late. On the way home, my youngest sister was driving, so I slept in the car and continued when arrived home. Energy level has gone down to the drain lately, I could no longer run like the energizer bunny.:-)
Was able to meet all my good friends and updated each other with what’s happening in our lives. I am not sure when will we see each other again, so this trip will be a farewell if I don’t see them again before I leave for IL next spring. I was too excited to finally met up with them and we were busy talking, I forgot totally about taking photos. Though I had the camera in my handbag the whole time, didn’t even take one photo!!
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If you live in Dallas, Houston and San Antonio in Texas, you can check out this Dallas Chat, Houston Chat and San Antonio chat. You can call in for free to chat live or leave voice personal for others to hear. You don’t have to reveal your personal information and identity, so it’s safer.
