Quick Bytes..

What’s an IVA? It’s an acronym for “Individual Voluntary Arrangement” and it is a legally binding agreement with your creditors. So, why should you get it? First, it will help you cut the amount you owe (usually by 50% which will make a huge difference!). Second, an IVA will freeze the interest you pay, and last, it will legally prevent creditors taking action against you. According to ClearDebt, you should think about getting an IVA when you owe more than £7,500. If you owe less than that, you can use debt consolidation or debt management (which ClearDebt also offers) to help you through.

There are many companies offering an IVA but ClearDebt is the most web-savvy of them all. They are the only IVA company that offers full online IVA applications which you can complete in 5 simple sections. Easy peasy! =) Another thing about ClearDebt: they don’t charge for advice! Plus they have this ClearDebt Analyser that shows you your best way out of debt - whether an IVA, debt management, debt consolidation or bankruptcy. The best thing about their tool? It’s FREE to use! And if you’re in debt, anything free sounds good right? Hehe! If you’re interested, just got their site and use their Analyser. God bless!

I previously wrote about being my bridesmaid more than a month ago and last Saturday, the wedding of Basil and Gladys was finally celebrated. And I once again walked down the aisle.. Hehe! That’s me above. The entourage wore deep red gowns and I did my own hair (pulled it back like a ponytail) and “makeup” using Avon oil-control powder as foundation and red lip liner for my lipstick and eye shadow. I think my face turned out alright despite my meager “makeup” arsenal, LOL!

“The Real Housewives..” series of Bravo TV is my current guilty pleasure. My addiction started with The Real Housewives of New York show and now I’m so into the The Real Housewives of Atlanta that follows the extravagant lives of black wives in the state Georgia. I haven’t watched The Real Housewives of Orange Country which started all this juicy mayhem Comparing the NY and Atlanta shows, the latter wins hand down for drama and scandal. Hehe! In the premier episode of The Real Housewives of Atlanta, we see NBA player wife DeShawn Snow and her family see their custom built mansion for the first time.

The mansion was huge and so extravagant! It seemed that they weren’t touched by the economic recession at all -_- I thought that DeShawn’s home contractor did an excellent job making their mansion. If you want the same quality for your own home at a lesser price, I suggest you check the best Atlanta remodeling contractor: Gallery Homes by Ed Tostes. He says that your Atlanta remodeling contractor should be able to help you with the jobs you should do to maximize the value of your home. And Ed can certainly do that! Interested? Contact him at (678) 392-4759 =)

You can join in the fun HERE!

1.) To you, what makes the perfect body the perfect body?
- If the body is healthy, it’s perfect for me!

2.) What part of your body do you obsess about the most?
- Hmm.. I think I obsess most with my voluptuous thighs, hehe!

3.) What makes a house a warm, welcoming, comfortable home?
- Our home is very comfortable and I think what made it that way is the warm lighting we used. Having omfy furniture is also a big help =)

4.) What fabric feels sexiest against bare skin?
- SILK!! =)

5.) What is the lamest lie you have heard in the last month?
- Hmm.. It’s so lame that I forgot already! LOL

6.) What always makes you feel better when you’re upset?
- Comfort food and lots of hugs + cuddling! =)

Four days ago I stumbled upon Dual Action Cleanse on the internet as I was searching for products that will detoxify our bodies. I’m so into health stuff right now that I want to make a new start: cleanse my body –> eat right and live healthy this time –> long life! =) If you’re interested, read on and find out about this body detox product.

Dual-Action Cleanse is a colon cleansing formula that helps our body get rid of the accumulated waste and undigested matter in our colon. Removing the wastes will prevent toxins from being absorbed by the body. Potential benefits include less bloating and an overall trimmer silhouette. I have been interested about body detox ever since I read about the high incidence of colon cancer in persons with low-fiber, high-meat diet so I’m gonna try this one!

And my family is all sad and heartbroken over it.. T_T Patsy, our first Dalmatian, was a very gentle dog. She was very playful, very sweet and loves to eat. She also loves to sunbathe and loves to be scratched on her belly. We sorely miss her already.. =( We still have one Dal left, Lady who is more mischievous and playful than her mom. To Patsy, we hope you’re in doggie heaven eating all the food you want!

Bankruptcy is one of life’s major events, albeit a bitter one. It does not happen overnight as it slowly becomes a reality as your debts add up. And in the end, mere mortals like us who are not financially savvy are at the mercy of our debtors. If you are deep in debt right now or has a large loan, you might want to use Debt Consolidation in paying your bills. For those not in the know, this involves taking out one large loan to pay a number of smaller, usually high interest, loans.

Debt consolidation allows a debtor to put all debt into one loan, usually with a smaller monthly payment than he/she had with all of the separate loans/debts. Most of the time, the interest rate on the new loan is less than the average interest rate of the old loans/debts. If you noticed, consolidating your debts would allow you to pay a LESSER amount of money in the long run. Plus, the convenience having to do only one payment to cover the multiple former debts is a very nice component.

KINGSTON just released the first ever 128gb USB flash drive in the wild! =) The Kingston Data Traveler 200 is less than 3 inches long and half an inch thick. It’s available in 32GB, 64GB, and 128GB capacities for a very affordable $120, $213, and $546, respectively. Also, it has a sliding cap and password protection for extra security. The 128GB version is made to order only, and you can place an order through e-tailers or resellers.

When I was young, my family constantly moves from one place to another coz of my father’s work. There was even one school year where half of my studies was in Legazpi City and the other half was in Laguna. It was hard going for a kid coz I grew up with almost no permanent friends as my existence in a village or school is as ephemeral as a firefly’s life. What also made hard was the constant unpacking and packing of our belongings. Moving companies were not vogue in that time yet so we moved our stuff on our own. Yup, tough life! :p Moving families now have a much more easy time in transporting their family belongings. If you’re from Dallas, there’s this company of Dallas movers who’ll gladly pack and truck you’re stuff wherever you want it to go. This Texas moving company is registered in Better Business Bureau so expect top-rate service from them. Currently they are offering the following freebies:

-FREE estimate
-FREE wardrobe boxes
-30-day FREE storage
-Protect your floors with Carpet Shield
-FREE Padding & Shrink wrap with every move

Interested? Or maybe moving soon? Call them at (214) 256-4414 or check their site out! =)

Saturday 9: I Want You Back

1. Where were you when you heard that Michael Jackson died?
- At home, barely awake.. Hubby texted me at 5am that he did along with Farrah =(

2. How do you think that he will be remembered?
- Perhaps as one of the greatest entertainers that ever lived. His music will be eternal, such beautiful lyrics..

3. What was your favorite Jackson tune?
- Heal The World.. I was 10 years old when this came out and it just fitted my life’s goal — serve the people and make the world a better place.

4. Did you watch the original Charlie’s Angels?
- I wasn’t born yet when the orig series aired, LOL! I’m, however, currently watching its mini-episodes in Star World

5. Did someone you know have that poster of Farrah?
- Most of older male relatives have a poster of her, LOL

6. Did you consider her battle with cancer heroic?
- Yes.. she was brave enough to document her suffering and her faith that she will live to conquer the cancer is very inspiring.

7. Were you a fan of The Tonight Show Starring Johnnie Carson?
- Yes! He and Ed McMahon were hilarious! =)

8. Did you like Ed McMahon on the show?
- Yes! His antics were really funny, quirky and smart!

9. What else will you remember McMahon for?
- Just that he was a funny man and the perfect foil to Johnnie..

[ RIP + In Memory of Michael Jackson, Farrah Fawcett and Ed McMahon ]