Oct 21, 2011

Investment and Loans

Remember the condominium I always talk about here? The one that we started paying more than 2 years ago, and waited till it was turned over? It's finally turned over, my mother in law is our SPA representative and she's the one taking care of all the thing needed. After paying the two years down payment via in-house, we have the 80% balance loaned thru bank and we are going to pay it for 15 years.
Bank loan process for mortgage is not that easy, it takes time to process and get approved. We're lucky we are approved for 15 years.  Now, our condominium is for rent and still waiting for the future tenant. Hoping to  have it rented soon coz we don't have plan on finishing it till 15th year. If this unit is already earning, we can pay our monthly mortgage in advance so we could finish the loan earlier than expected. We are not sure what to do with the unit yet, last time, we planned to sell it but we didn't. We were also planning just to have it rented so the kids can use it in the future.
Investing a property is one of the best thing to do instead of just keeping your money in bank or just spending it with nonsense things. So better start investing now!

Oct 18, 2011

For Green Living

I have not been minding Mother Nature that much until I became a parent. It was only then when I realized how awful, dirty and polluted our environment have become. I used to not notice anything, maybe because I was already accustomed to the trash and pollution that I see.
When I became a parent, I realized I had to do my share in taking care of our planet. I had to use reusable eco-bags when buying something from the mall instead of their plastic bags to reduce our plastic bag usage. When I threw parties for any family member, I schedule the visitors in batches so I have time to clean the utensils instead of making them use paper plates, plastic spoon and fork, and disposable cups. I learned the art of waste segregation and recycling. In fact, I and the kids have made several art pieces from recyclable materials. We were able to lessen our waste, at the same time it made a good bonding time for us.
That is how we reduce our trash. As for pollution, well, we do not use anything that emits CFC. I constantly pray also that every smoker out there would switch to electronic cigarette to lessen pollution caused by smoking. We also check up our car every now and then to ensure it does not become a smoke belcher.
But that is just my family. We should work together for our only planet.

Oct 6, 2011

Teaching parents the Internet

Guest post from: Bruno Smith

My parents had just gotten around to learning how to use the Internet over the past few years. Ever since my husband and I started having kids, they had shown a new desire to stay up to date on technology. I saw an ad for http://get.wildblue.com/internet-provider/oregon/d/dayton/ and learned that this service would be the best for their needs and location. Just last year, I set them up with email addresses so that we could keep in touch since we lived so far away from one another. This year, my mom decided that she wanted to try her hand at online shopping. Since they planned to come and visit us this year since I had just had a baby, she wanted to have all of her shopping completed and awaiting her final touches when she arrived at our house. We always had a very efficient present wrapping station, so I knew she wasn’t worried about getting that part done. She always had an elaborate wrapping station set up every year when I was growing up, so I continued the tradition.

My Birthday!

Our Wedding Anniversary