Dangers Associated with Payday Loans

It’s generally agreed that payday loans are extremely helpful, especially when you are in a financial fix. This may include cash to clear your bills, buy food or help your friend. Indeed many have benefited from such cash advances but at the same time others experienced problems instead of solutions. This is because of failure to study the implications involved before signing up for the money.
To benefit from payday loans you need to plan properly. If you fail to plan then you will fail to payback and this will create more financial problems instead of solutions. How much salary are you getting? How much money are you going to borrow and at what interest rate? How much will you pay back per month and how much will you remain with from your pay check? Such questions will help you in planning such that you avoid getting more than what you can pay back. Many customers have ended up in deep financial ditches due to failure to plan well ahead of time.
The most common of the dangers of payday loans is the over-billing. This is at times cause by the customer’s failure to meet his monthly obligation of paying back the necessary installments. If such happens, the financial institution will incur a penalty on the customer and will pay more than what is necessary. On the other hand, customers do not normally take time to read and internalize all the conditions before signing. So at times they are shocked when they are caught up by the regulations they agreed to abide by unknowingly.
Over-billing, penalties, and failure to pay back on time are some of the dangers associated with payday loans and these can be avoided if the customers take the necessary precautions in advance. If you fail to plan then you are planning to fail.

5th Place

Just got Z's report card and he's at 5th place again. I'm so glad my little boy is working so hard and enduring the study sessions with me. I'm so thankful that we have all the time in the world to be with each other and to talk and be together. Thank you so much to my husband for allowing me to stay-at-home so I can be with our kid 24/7. Thank you to Z for being such a good boy and not giving his mom headaches. I love you so much, Z. Keep up the good work at school but remember, Mommy loves you even without the honors.

NMEDA Helping the Disabled Choose the Right Equipment

This is a Sponsored Post written by me on behalf of NMEDA. All opinions are 100% mine.

Being a caregiver is tough. It's actually one of the toughest jobs, I believe. That is why caregivers need all the help they can get. Good thing there are some associations that can help them do their job better.

NMEDA is a non-profit association that does just that. The most important role of a caregiver aside from assisting his patients with his needs is helping the patient get back to his feet and eventually do tasks on his own. NMEDA could help the caregivers and their patients choose the best equipment for their needs. Since no two disabilities are the same, the patients would need an equipment specially adapted to their needs. Like a wheelchair, for example. You can buy any adapted wheelchair online but only NMEDA can assist with choosing the right one for you. They would personally evaluate your needs to see what type of wheelchair fits best for your driving needs.

NMEDA, as an association, does not sell the equipments to you but they have members and dealers who sell handicap vans and vehicle modifications to the disabled. They are the only association that promotes safe driving and equipment to the disabled. Aside from their Dealers, they also have Quality Assurance Program or QAP Dealers. QAP is the only nationally recognize accreditation program for the Adaptive mobility equipment industry. Their systematic and documented approach to quality makes them successful in their endeavor.

Visit my sponsor: NMEDA

Agua Bendita Ending

Oh no, Bendita is sick and dying. We had just started watching it again when we heard the ending is near and I was shocked to see that Bendita turned to mud and worse, she is already sick and dying. Every bad thing she did came back to haunt her but even though she deserves all of it I still feel sad. I hope she gets well soon so this teleserye will have a happy ending so all the people who watched it from beginning to end will have the happy ending they deserve.

Philips Livable Cities Award

This is a Sponsored Post written by me on behalf of goviral. All opinions are 100% mine.

Do you live in a city? I do. Living in the city has its perks but let's admit it it's healthier to live in the countryside where there are less people, more fresh air, less pollution, and lots of open spaces to exercise and play. The fast and hectic lifestyle in the city makes it ideal for economic growth but as the people who lives there becomes older and can't work anymore there is a need for their overall well being to be taken care of.

That is why Philips launched the Philips Livable Cities Award last May 2010. It aims to look for individuals, community groups and businesses who have ideas on how to improve people's lives and well being in the city. Philips is offering a total of 125,000 Euros to three different grants which will help make the ideas a reality.

Here are the three awards categories:

1. Well-Being Outdoors - entries in this category should propose ideas on how to help people feel more secure in the outdoors as well as encourage sense of identity in their communities.

2. Independent Living - entries in this category should be about ideas on how the elderly people can feel more secure while living in the city and also enable them to live a longer and more comfortable life.

3. Healthy Lifestyle at Work and at Home - entries in this category should be about ideas on how to improve the lifestyle of the general population while at work or at home.

If you want to learn more on how to join The Philips Livable Cities Award just head over their website at www.philips.com/because.

Visit my sponsor: The Philips Livable Cities Award

Pizza Hut's Pair Deal Supreme Promo is Extended

Good news to all pizza lovers! Pizza Hut's Pair Deal Supreme where you can buy your favorite supreme pizzas for only P499 and you get one free is extended.

Due to insistent public demand, the Pair Deal SUPREME P499 promo is EXTENDED! Two Family Pan Pizzas for only P499 all you pay (save P299)! Exclusive for delivery. Flavors available are Supreme, Bacon Supreme, Hawaiian Supreme, Bacon Cheeseburger Supreme and Veggie Lovers Supreme. Call us now (911-11-11 for Metro Manila area or order online pizzahut.com.ph)

Parent's Choice New Design, Same Value

This is a Sponsored Post written by me on behalf of PBM Products. All opinions are 100% mine.


Parent's Choice has finally come out with its new and refreshing look. I was mesmerized with its purple color. You rarely see a milk in that color, right? Now I won't have a difficult finding Parent's Choice in the rows and rows of milk cans. Its unique design makes my shopping so much easier.
Aside from its much cleaner look and easy-to-read product type Parent's Choice has exactly the same formulation. It looks different outside but has the same value inside.
One advantage that Parent's Choice has over other milk products is its price. At only $11.88 a can it is so affordable. Parent's Choice as well as other
PBM Products are available at Walmart and will soon be available online with free shipping.
Like all other premium milk brands, Parent's Choice meets all strict FDA guidelines so it offers complete nutrition for your baby. It also has DHA & ARA to help support brain & eye development.
Visit them at ParentsChoiceFormula.com for more information and to access their ‘Savings Calculator’ or add them in Facebook at: http://www.facebook.com/pages/Parents-Choice-Infant-Formula/31916575476

Visit my sponsor: WALMART.com – Parent’s Choice

Now PR 2

Hurray! This blog is now PR 2. I'm so happy when I checked this blog and noticed that it has a PR already. This is my oldest blog and I'm glad Google has finally noticed it. I hope someday it will become PR 3. hehehe

So far, I have been lucky with PR for this year with seven of my blogs having their own PR. I hope that Google won't take away my PRs and that there will be many more to come in the remainder of this year and the years to come. I have quit my job and as a stay-at-home mom I get my income from blogging alone. So the PRs will really help me a lot. Thanks, Google!

PBM Products are Makers of Quality Milk

This is a Sponsored Post written by me on behalf of PBM Products. All opinions are 100% mine.

I am not a believer that branded milk are better than store brands and I'm glad I was proven right.
PBM Products, LCC, the supplier of store brand milk products has recently won a lawsuit against Mead Johnson, makers of Enfamil for false advertisement. They accused Mead Johnson of proliferating false media campaign that store brand milk products have less nutrients than their more expensive counterparts. LCC's milk product are 50% less than Enfamil.

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Lucky Seven

I had a feeling our seventh year together would be a lucky year and I was right! You want to know why? It's because we were given a car as a gift! Isn't that the coolest? It's not brand new but it's good enough for us. Thanks for my dad for giving me his old car. His new Honda City is way cooler but I certainly don't mind that we're driving a Mazda 323. It will still last us a couple of years and hopefully, (we're really keeping our fingers crossed on this one) by the time it's too old to run we can afford a new car. That's not all. I don't know why but I have a feeling next year is going to be so much better. Hurray for a wonderful year for us!



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