Life with the Three Crazy Dogs

DB and I have always wanted to expand our garage.  We treat the garage as another sitting area during late spring and fall.  Move the cars out to the driveway, pull out the lawn chairs and milk crates, the party of four or sometimes five, will  have a place to hang out.  The garages we saw in our neighborhood are all practically been upgraded.  Ours need a face lift badly.  If we cannot expand our garage, DB said we need to seal the garage floor.  Car Guy Garage.com has a product to coat the garage floor with epoxy.  Coating the garage floor with epoxy will ensure it will last a long time.  Another thing we talked about is if we cannot installed cabinets in the garage, getting a tool chest to store all the tools, nuts, screws, washer, bolts, nails and whatever else he has in different places, would be a wonderful investment.  It would safe him a lot of grievances.

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I didn’t see my friend at work for about 2 weeks.  So last Wednesday, she called me and I went out to the smoke shack and met her.  Guess what was the first thing she said to me?

She:  “You are fat.”

Me:  “Thanks a lot.”

She:  “Your butt is so big.”

Me:  “Told you I put on weight, you didn’t believe me.”

She:  “Your face has more meat now, you look better with more meat on your face, but your butt….”

And she went on and on about how big my butt is. 

So, here is a picture of me and my butt.

And how much meat I have on my face.

The thought of being an adult student seems quite easy in terms of paying for my own tuition.  My colleagues thought I have the money saved up for tuition.  The fact was it was not easy, and I did not save any for tuition fees.  First of, I had to choose a school that I want to pursue my bachelors.  I found University of Phoenix Online (UOP).  The school offered what I want to pursue, Business Administration.

Secondly, comes the student loans.  Since I am only a resident in this country, I cannot apply for federal grants.  I chose federal student loans, which was Stafford loans.  It is the most common type of student loans that is easily funded by local banks.  My student loan was a subsidized Stafford loan and was funded by a local lender.  To qualify for a Stafford loan, I only need to enroll for that semester and to apply for it, it has to go through FAFSA. 

Initially, I thought of private loans to finance my college tuition.  These type loans are funded by banks and non-profit organizations.  It helps if you need additional financing backup in addition to your other fundings. 

Now that I’m not utilizing my student loans, I have to pay whatever I owed the government.  However, mine is very straight forward.  I have 3 loans and they are all under the same lender and interest rate.  Unlike my step-daughter, she has numerous student loans from different lenders.  Student loan consolidation is the best bet to make her debt easier to handle.  The federal consolidation program will combined all the remaining federal student loans into one loan.  The only drawback about this is the repayment time is longer and it depends on how big the loan is, but it will reduce the monthly payments significantly. 

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I turned the lights on in our bedroom last night and this was what I saw – pecker show.  Ranger snoozing away.   It must be very comfortable in that position.

I called him and he gave me a play dead pose…..

And he was in this position for a long time, coz he was snoring and I took a peek from the bed and saw him still in that position.  Coops assume his usual spot, oblivious to the commotion I made!

My friend from work is trying to branch out to a new form of investments.  She and her hubby are currently investing on stocks and stock options.  They both make very good investments out of these stock options.   With all the 3 years of experience of stock options and money earned from options, they are now looking into investing in gold coins.  With the time spent on searching for a reputable source for investing in gold, they discovered Monex.

Monex Deposit Company (MDC) is a company where you can buy your gold either in the form of coins, or ingot.  Gold coins have always been the desired form of investments for many years.  At Monex, you can trust you will receive the most competitive pricing of this precious metal.   Every single coin you purchase from Monex is pure 24 karat gold.  If I have the extra play money, I would definitely be contacting Monex and check out their gold coins.