Life with the Three Crazy Dogs

DB and I were talking about how we should get rid of our books that we have accumulated through the years.  I have actually brought the books I had from Malaysia when I moved to the United States.  I know, it’s crazy, but I can’t seem to depart them, however, now that I have even more of them since I came here, it is time to dispose off the books I have once cherised dearly.  These books can be sold second hand and we can definitely make a profit from selling them.

I saw a website where one can sell online by getting an ecommerce software like Ashop Commerce.  Ashop Commerce is a website where it will provides you a total answer to your needs to start an online business.  With this said, Ashop Commerce has a shopping cart software that presents the user flexibility and reliabity.  It has features like where you can built your own web pages to your own liking, or encrypted checkout page. 

You do not need to have HTML knowledge on how to set the shopping cart software.  All you need is just an hour or two to download your inventory.  Ashop Commerce will provide you the set up with free technical support should you need it.  All you need to pay is just the fee you choose on which package you want and a one start up fee. 

I have never heard of Sweepstake till I came to United States.  I have signed up for many sweepstakes but never did win anything.  Instead, all of these sweepstakes’ companies sent me flyers to make a purchase.  To be honest, I did buy some from them because they are too tempting.

 Bid4prizes has a different type of sweepstake for anyone who is interested to win prizes.  To play this sweepstakes, all you need is just register and enter your cell-phone number.  To bid for the prizes, click on the desired prize item, enter your cell phone number and the amount of bid you want to bid.  The lowest bid is a penny.  Each lowest bid is unique.  Say for example if more then a person bid for a penny, it will no longer become a unique bid.  It will become 2 cents and that is the lowest unique bid.  This wonderful game always has a new winner everyday.   The prizes you can win range from Apple I-Phone, HDTV, designer bags, SCION Xbox to other cash prizes.  

In addition to winning prizes, you get free gifts, too.  These free gifts are exchanged by how many points you have gained from bidding.

OK, this is not a sponsored post.  Sure sounds like it, though :)

 Anyways, we started our paperwork for refi last month.  Actually earlier than that.  We checked out several banks but all that we contacted said we need to pay the penalty because of our current mortgage which is an ARM and locked at 9.3%.  Yeah, super duper high, and that’s why we are desperately trying to refi as soon as possible.  The penalty is 3%.  No way, ho-se!

DB’s co-worker gave him a mortgage consultant who deals with VA loans.  DB jumped at it since with the VA, we can get a loan at 6.75%.  Beats the crap out of 9.3%

The process began last month and all the fuss having to deal with the VA (for DB since he is the veteran) and writing dispute letters to the credit bureaus to rectify our credit history, and paying off a judgement that was 3 years old (I hated that, but what to do, got to get r’ done).

Other paperwork were the same old W2s, pay stubs, 401K statements, asset statements, driver licenses, my PR card, DB’s VA certificate of eligibity and whatever DD2 something form, bankruptcy forms, and more stuff on our bankruptcy filing.  I should get use to all these paperpwork.  Can’t remember how many times I have been through this!

Mailed all these stuff in on Monday and we are now waiting for the closing day, August 24.  Can’t wait to have a little smaller mortage to pay every month.  At least we will have some extra spending money instead of scrambling for it.

29 more days to close and counting down. 

YES!!!