One of my Christmas wishes this year is a laptop or a personal computer. The computer I am currently using is the computer provided by our office since my work is home-based. I am looking for a bank who could grant me a personal loan, which I can use to purchase a new computer. There are various companies that offer loans with different promos. Some offers low interest rates and I also found out that there are unsecured loans, which does not require you to have a property to use as collateral for the loan. There are also homeowners loans, which require the redistribution of financial assets over time, between the lender and the borrower and the money may be used for many purposes but the debt will be secured against property. **Sigh** I just hope that my Christmas wish would be granted if the budget permits.

Abeth and I are thinking about purchasing a family insurance so that we don’t have to worry if something happens to anyone of us. Since we don’t have our insurance yet, there are some factors to consider. One factor is that you should save money on insurance. You should also consider the term life, the insurance plans pros and cons, and the premium amount.

You should examine very well the terms they give and the benefits you’ll have because there are some insurance companies with hidden disadvantages. You’ll get to discover it when you already used it or availed it, most especially in claiming your benefits.

There are insurance companies that also offer Cash back life insurance, which we are interested to avail. This is also referred to as Return of Premium (ROP) Life Insurance. It’s good to know that there are new offers from these insurance companies, in which you can actually get all of the money you paid in premiums back when your policy expires. Isn’t it great? We still need to talk about these concerns.

 We’re back! After a 3-day vacation in Bohol, we’re back to reality….WORK! WORK! WORK! Hehehe. I’ll share the pictures and of course our adventures in Bohol later. I still have to finish so many work assigned to me. We missed Andre very much and we want to spend more time with him para makabawi. That’s it for now, later na ang kwento.

Ciao!

This is my first entry to PMN FamPics….This month’s theme is messy.

Here’s a picture of Andre after eating two of his favorite foods, my freshly-baked chocolate chip muffin and ice cream. Look at the mess on his face, do you think he enjoyed it?