Posts Tagged ‘personal’

Crazy for Angry Birds!

Jun 14, 2011 Uncategorized

Is it me or have angry birds taken over the world?
To do some research for my cakes, I got into playing the birdy game. As much as I think monkeys are cute, the monkeys in the Angry Bird game drive me BANANAZZZZZ. I have to turn off the volume just so I don’t hear the monkey’s snicker whenever I miss them.

Needless to say, I much prefer to make the birdies than play the game.
Here are our latest birdy confections.
Angrybird 1 Crazy for Angry Birds!

Angrybird 2 Crazy for Angry Birds!

My personal Fave, Angry Bird Cupcakes:)
angre%2Bb%2Bird 4 Crazy for Angry Birds!
angry%2Bbird 5 Crazy for Angry Birds!

Angry%2BBird 3 Crazy for Angry Birds!Angry%2BBird 2 Crazy for Angry Birds!
Don’t be angry like these birds.

Monday’s are always HAPPY DAYS:)

Yay!!!! 4 more days till weekend!!!!
8785220021298807127 4322416165148765922?l=completedeelite.blogspot Crazy for Angry Birds!

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Fixing Your Debt Problems

Oct 1, 2010 Uncategorized

You must differentiate between the various types of financial problems. For example, a financial crisis is when you suffer a situation that can render you penniless, homeless or without any important property. You ought to separate these types of emergency from a threatening phone call or a letter from a debt collector.

When experiencing such an emergency, it is crucial to act immediately. You have to begin by contacting the creditor. Doing so enables you to work out a temporary solution, which can help you to keep your possessions. However, it does not always work and if it doesn’t, getting in touch with your lawyer to negotiate with the creditor is necessary.

Face up to the Problem: The common misconception in debt problems is “the less you know, the less it hurts”. However, you must learn how to face your debt problems. You must be able to do this since rebuilding and repairing the credit will not happen if you do not know exactly where your money goes or where it needs go instead.

Although it is not problematic to overestimate your debt, it is always beneficial to know how much money you really owe. You can do this by taking a look at the bills you have received. If you have thrown out your bills without even opening them, you can still call the company and inquire about the bills.

Several creditors even use automated reply systems, which can give a debt balance and information regarding the payments automatically, so you do not even have to talk to anyone. Additionally, information about your account might also be available on your creditors’ web sites. After acquiring the necessary details, total them all up, especially those overdue monthly obligations.

Options Available for Handling Your Debts: There are several options available to you for dealing with your debts. One way is to do nothing. This option is probably the most popular approach used by those who are deep in debt. Most often, these people have a very low income and maybe no property and do not usually expect any change in their lifestyle. If you do not anticipate any steady income any time soon, you can consider this option.

However, doing nothing does not really help at all, so perhaps you could find some money to repay your debts. You can do this by selling a major asset, like a car or a house. This is a good idea if you can no longer afford your car or house payments. Instead of waiting for a repossession or foreclosure to happen, selling the property is always a much better solution.

The proceeds you make from the sales should be put towards lessening your debt. Moreover, you should remember to pay off the liens placed by the creditors and use anything that is left to pay (something) off your other debts. However, before taking this step, make sure that you have already worked out an alternative for your housing or transportation needs.

Another way to help you pay off your debts, is to cut your expenses. This will aid you not only in the repayment of your debts but also in negotiating with your creditors. Try to shrink the cost of your food by clipping coupons, purchasing generic brands, buying when there is a sale on or shopping at discount outlets.

However, if you cannot reduce your outgoings significantly, you could always borrow money from a tax-deferred account. Tax-deferred retirement accounts, like IRA or 401(k), can be utilised to help pay off debts by withdrawing money from them prior to retirement. However, since you may need to pay a penalty or taxes, this should only serve as your last resort.

Have you had a few financial knocks recently? Do you require information on how to fix your credit? If you do, please go over to our website called DIY Credit Repair Free reprint avaialable from: Fixing Your Debt Problems.

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Q&A: Meet Ortega’s Karolyn Cantin – pastry chef, airplane caterer, masseuse, yoga instructor and personal fitness …

Aug 21, 2010 Bakery Chef

Q&A: Meet Ortega’s Karolyn Cantin – pastry chef, airplane caterer, masseuse, yoga instructor and personal fitness …
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Read more on The Florida Times-Union


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