Archive for July, 2007

My online business

Thursday, July 26th, 2007

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. 

Painless way of winning prizes

Thursday, July 26th, 2007

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.

Refinancing with a VA Loan

Thursday, July 26th, 2007

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!!!

Final paper fi-ni-to!

Wednesday, July 25th, 2007

Am I glad this paper is done.  This final paper needs to be 8-11 pages and should consists of 1/3 from textbook readings, 1/3 project work, 1/3 class lectures, and 1/3 video summaries.  I think I got all in.  I had a jump start on this paper on Sunday night but didn’t really get it going til Monday night.  I am, according to my colleague, a typical college student, always work on their papers at the very last minute.  For the past couple of nights I didn’t get to bed til 11 p.m. and the beautiful zits are popping all over my face.  I never had that many for the longest time.  No problem, at least I got the paper done last night, busting my butt to summarize the chapters I was suppose to read.  In other words, I’m bullshitting my way around.  I’m just glad that the instructor wanted his students to write about our work experience in the business world.  I was able to write 10.5 pages of BS last night.  Sorry, Simmie, I had to cut you off from our conversation.

What am I suppose to do tonight since all I need to do is to drop the paper off at school and come home?  Watch DVDs!!!  I have 11 movies on queue at Blockbuster online.  I have already initiated them to mail two movies last night while working on my paper.  Obviously my mind was not totally focusing on my paper.  Frankly, I lost interest in this class.  My colleague who is sorta my mentor, who I call Ms MBA, said summer classes will do that to students. 

August 1 is officially the last day of class.  That is the day we students have to go to class and get our grades.  Final papers will remain with the instructor for good as they will go to the dean of the business faculty.

Yippy-ka-yah!! Classes are almost over, and so is summer!!!

Boys

Sunday, July 22nd, 2007

The boys, my furry alarm clocks.  During the weekends or on my days off in the week, they will come sit next to the bed, their face staring right onto mine.

This is practically what I see when I opened my eyes.

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And…..beg for food.

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What a life….

On another note, Cooper has been limping for couple of months now.  When we took him in to see the vet for their annual, he was doing fine….limpless.  Four months later, he is limping.  We suspect hip dsyplasia, very common for Labs.  He doesn’t seem to be in pain coz if he is in pain, he will be whining, coz he is a whiner since we brought him home 7+ years ago.  I have been giving him his glucosamine twice a day, looks like it’s helping a little, but this dog loves to play with his frisbee.  I will throw or sometimes he will just pick up the frisbee on his own and shake the frisbee like a ragdoll while doing the “rodeo”.  He thinks he is a bull :) 

Ranger’s itching is better since we pumped him with pred since late February with smaller dosage till spring came in full force, we increased his dosage to 10 mg/day.  He now has a mind of his own when he’s on steroids.  We tried reducing his dosage to give his body a break, but he was itching up a storm.  We did let him itch for a few days, and he was just miserable.  He would look at us with those puppy eyes, ”What did you guys did to me?” We put him back on 10 mg a day and he’s a happy camper, however, we need to watch for signs of Cushing disease, very common for dogs on steroids.