What to do on Vacation

I personally believe it is the best time to reflect on how productive we were on the first half of the yer? How far are we on our goals for the year 2009? I feel like I can't keep up with time, my biological clock still feels like it's only 2007!?

Well, what can I say, right now all i can think about is my upcoming vacation from my current job? I am thinking of what I can do to make it worthwhile, whether to work another job for the time being or go somewhere and have fun. Any ideas?

anguilla_719_laruba-vacationbluewatersantiguabeach
(1)Anguilla (2) Antigua (3) Aruba

I have a friend in Anguilla and I think it's good to go where you know some people. He also said there are a lot of Filipinos down there. Hmm?







Accesorize Your Cellphones

Do you know how obsolete my phone is? Very old school one to say the least. But whats important is it can call and text and doesn't malfunction when I need to use it. And I never spent a dime on it. But there are some times that I feel like I need a new one. My friends are just having competition on the latest cellphones they use, not the Filipino style that are overly crazy about it (deprive themselves of lunch or walk 3 miles to save money for it). Not only that they want the latest ones all the time but they also take care of it with the latest cellphone accessories available. There's a lot of good deals and I found this one to be the best, I would surely recommend this to my friends.

Pork Chops Pinoy Style

Hello! The past few days I have been so busy. No complains on that. I have been so into preparing foods and eating of course. Also, there's a lot of happenings, graduation, 4th of July which sucks it falls on a Saturday, somebody else is disappointed.

Well, today I am making a inihaw (grilled) pinoy style pork chops. Marinated in soy sauce and kalamansi (key lime) juice with pepper and some seasoning. I was lucky there were a few bunches of key lime left at the store. Not very often they have it. Apparently, I was looking for some more recipe that might be closest to that simple recipe but none that I could find on the net, there was one that was kind of fancy so I spared it, instead I stuck on my simple one. But I also found a website of Barrio Fiesta restaurant that is located way way on the West Coast, dang. I would love to visit if they have a branch over here even if it meant I would have to go by myself.

Residential Insurance in UK

Do you have your home insured yet? Or your car and properties? We never know what could happen. I know somebody that had their house burnt, all their appliances and everything turned into dust in just a few hours. Everything that was in the house that they labored for for so many years turned into ashes because of the fire. For residential landlord insurance in UK, it is safe to have our home secured with insurance in case anything happened we would not be left out with nothing. Just think about all the disasters that could happen, it's not that we expect it but being ready is always a good thing. I am sure to mention this to my friends who are living all over UK.

How To Save Money In Simple Ways

There a few ways to save money, like depriving yourself of something that you normally do. Or make use of your normal routine more wisely and conservatively. Simple things like, getting rid of our habits of letting the water run for a few minutes will save us some money. Or carelessly leaving our hair drier plugged while we leave home, not only will it post danger but it could also contribute to nature of spending more energy.

Here are some simple ways to save money

1. Shave some extra cents off your gas costs by checking out GasPriceWatch.com to find the cheapest offerings in your area. For example, you’ll find that the Chevron on Olympic Boulevard in Los Angeles is selling gas for 22 cents less than a Mobil station a few blocks down the road.

2. Nix name brands and start buying generic toiletries and cleaning products in bulk. Better yet, take shopping trips with friends to Costco so you can all split that bulk pack of toilet paper.

3. Join your local library. You might be shocked to find that its DVD collection is stocked and up-to-date (not to mention totally free). If you normally rent one movie per week from the video store or Netflix, you can save over $200 in a year!

4. Unplug your appliances like coffee pots, toasters, hair dryers, and computer cords when you leave the house. According to Energystar.gov, it costs you $100 per year to power appliances in standby mode (especially ones with features like clock displays). When you go on vacation, it’s a good idea (both for your wallet and the environment) to unplug large energy consumers like entertainment centers.

5. Cliché as it may sound, skip your morning Starbucks latte. You’ll save about 190 calories and $3 per day. You can still make your homemade coffee feel special by adding a pinch of cinnamon or nutmeg.

Read More>>>

Learning and GettingThe Job We Want

So I posted a somewhat ad for myself and some helpful tips that could give some individuals some ideas on what to do this summer and make some money (please see on my archive). The last few weeks I have been getting myself ready for a job that I always wanted to do but do not have the confidence if I have the skills I need to be able to even get in the door. But some situations at work have strongly forced me to do something and find a different place to work – or I lose my sanity.
Well, one of the things I always am afraid thatI don’t posses is thus preventing me from even applying for the jobs I want: I don’t have enough computer skills necessary to perform the job. I need to have more confidence than I ever need to use before I do the things I need to do, in short I tend to over prepare or my show is gone. Also, part of the reasons why I pursued going to college is I feel like this is my weapon to be able to get into the field where I always wanted to be so here I am candles at night studying. In order for us to get more learning, we have to get the degree and acquire it through education. If you need assistance, please go to the website and learn what you can do about your future just like what I do, returning to college after ten years is great and I have more confidence now.

Just How Much Money Could We Save?

Hey, who can spare a great percentage of their earnings to having beauty retain through $$$. I would find it pretty hard still. This scare of having recession or economy downturn force us or most people to let go of our cash, but for some, it is a necessity.
Here are some practical tips on keeping our beauty routine and saving some money.
1. Lipstick
Conserve product by coating only your lower lip. Press your mouth together to transfer color to the top. You’ll get twice as many applications from one tube.

2. Foundation
A moisturizing mousse formula (like Maybelline Dream Liquid Mousse, $10) smooths dry skin and goes on the most evenly so you can apply less overall.

3. Mascara
Go for a waterproof formula that won’t rub off or smudge (so you won’t need to redo). Screw on the cap tightly to prevent air from drying it out.

4. Body Wash
Buy a larger size (which will end up saving you a few bucks), and get a formula that lathers up easily (I’m obsessed with Dove Go Fresh Burst Body Wash, $6.69) so you only need a little.

Now it’s your turn to share your savvy money-saving secrets. If you’ve got a great tip for stretching your beauty dollars tell me in the comments! Thanks for the source ::here::

Manage Debts

How good are you on Debt management? I know it is not an easy task that we have to be responsible for in our lives. Especially if we have a family and we don't get enough income to feed our family, we tend to live beyond our means. I could just completely understand how life could be especially this time. My God, today the gas was $2.89 at the gas station where I pump my gas, it just keeps getting up, but maybe it's a sign of the economy getting recuperated finally? I hope so.

It's hard to keep up with expenses. But did you know that we can clear our debts through debt write up? yes, its possible with debt management plans and debt consolidation. Just click on the link above and see what is available for you, there are also people who are most willing to help you manage your debt.

Get Your College Education for Free

I was reading an interesting article about scholarship for returning adults and I thought maybe I could apply also and save some $$$ on my tuition fee. I always find the possible ways to earn knowledge and education for free. Right now it is limited due to my status as a non-citizen. But there are other options available online for students that would qualify.

So I started filling out the initial forms to getting the information on how we would qualify on this scholarship but i stopped when it asked for my full name and all possible phone numbers to supposedly "find the right school" for me. It just seems odd to share so much information when it's not the real sign up form yet. So I thought it raised a red flag. But the article was so truthful, in fact I have the same exact reason why I wanted to finish my bachelor's degree and be good because of this:
Take, for example, Denise Browning of Cincinnati, Ohio. Since 1986, Browning has been promoted 6 times at her current job, but she has hit the glass ceiling without a college degree. Despite working for her employer for 22 years, she was recently overlooked and deemed "not qualified" for a promotion.

Wholesale and Retail International Food

For over a year of my residence in the US, I contented myself without having a touch of any Asian food. Until I met a fellow Filipina at the place where I work and she encouraged me to go shopping with her one time and as a side trip we went to the only Asian Store in the city. I purchased a few things that I knew I would use or cook, without forgetting the jasmine rice that since then my hubby liked and never would eat any other kind of rice of lesser quality. I liked it myself and felt the same.

But I havent driven to the place by myself and do not have enough courage to go. Unless of course somebody forced me. In fact maybe after today that I drove along Erie Blvd with my friends I might be able to pull it next time. I just need badly the rice that they sell so much cheaper than at the store. But then I was browsing through the net and found this really great site that has easy recipesfor Asian foods. They have all kinds of foods that you need for international foods that you'd like to experiment in your kitchen. So much varieties! They carry over 10,000 products and ships to over 200 countries worldwide. Oh and what is so much cooler? They have flat rate of $4.99 for every purchase. I definitely would just sit on here and shop for what I need and wait for my items.

I also can buy my rice online for so much cheaper price! They also offer wholesale with greater savings and convenience. It would save me gas and time to make trips to the Asian Store in the city. I definitely would suggest this to my friend who's also dying to have some Asian foods on her table. I did indulge the other day and made a very Filipino dish that I shared with my friends at work. Tomorrow I will be cooking daikon in a wok, I am still finding recipe for that. But I am looking forward to eat it!

Well, have fun shopping!

Finding the Right Dresses

I am still here lurking on the net looking for some appropriate dress for graduation day for hubby's daughter. If I would have a choice I don't want to go but I guess it's part of it. So now I am looking for some kind of dress that I could wear, nothing too fancy nor crazy.

Donna Ricco Shirred Bodice DressDonna Ricco Shirred Bodice Dress

I think I found the one, at least the style, unfortunately there is no Nordstrom in the area. For more list of dresses click ::here::


More Organized Work Benches

So you are planning on changing furniture in your old office, at least they are old looking because of dilapidated furniture and you need some change. The lab bench and so many other office furniture they offer. Good quality furniture.

When I graduate and start working my field, I plan to set up a little office in the house to keep my papers in a secure location, also a nice place where I could receive my clients would be nice too. So I would definitely need these furniture. In fact, pretty soon I need to have a table and which would serve exclusively as mu study table away from other mess, like dining table slash study table.

Looking for a Summer Job?

So I am taking advantage of the time when I can work as much as I can. It is something that I like about keeping my part time job while in school because I don't have to find a job all the time after each semester which I am having a hard time getting started. I am so thankful that my husband understand and doesnt demand time more than I could spend with him, whats little is left would be spent sleeping. I still wouldnt mind working another job that would be more lucrative though, like bar tending or waitressing at a restaurant close by.

One of the jobs I signed up for which is a seasonal/part time kind of job is working at events like sports to usher people or events that would require pretty girls to be "Brand Ambassadors", they normally pay $25 -$50 per hour for a total of about 14 hours of work. I wish the Watkins Glen International is more drivable for me, I would definitely work the job considering it would be fun as well.

The requirements are simple:


http://socialmedialawstudent.com/wp-content/uploads/2009/05/summerjob-268x300.jpg
Attractive, reliable, hard-working reps needed to work a hospitality chalet at the Indy races in Watkins Glen. Job responsibilities include: working at registration, interacting with guests, helping with clean up of tables, taking photos with fans and positive attitude.


Do you like doing these kinds of jobs as well? Sign up ::here:: for more job offers that might be applicable to you. Also here are some other job ideas to make money this summer and do what you always like doing... You can always put ads on local paper for babysitting, tutoring, swimming lessons, and other services you think you can share with other with pay.

1. Tutor.

2. Teach music lessons.

3. Create custom artwork or teach art classes.

4. Offer pet services.

5. Wash cars.

6. Provide simple yard and landscaping services.

7. Teach language lessons.

8. Coach sports skills.

9. Wash windows.

10. Bake.

11. Shoot photographs.

12. Teach dance or cheerleading classes.

13. Offer Facebook support.

14. Shop for others as a Personal Assistant/Shopper.

15. Twitter.

Saving Money On Car Insurance

Have you ever thought that anything could happen in your home? Just like your autos need insurance, so does your home. Not only that you can insure your home and cars, you can also get savings when you have texas auto insurance coverage take care of your insurance needs.

Last year December, my husband had an accident with my car and garnered a pretty bad damage on the hood and the front light that the hood had to be changed as well as the lights. It also caused a great damage on the car that he hit, if it wasn't for the insurance we would have paid so much money for the repair of the damages. Not only that we have insurance, saving money on insurance with the same service is also one thing we should consider.

Golfing for Beginners

I woke up this morning with grueling pain in my right arm. It almost felt like paralyzed with intolerable pain. I tried to go back to sleep when I got up at 6am to make my hubby's lunch pack just so I didn't have to deal with the funny feeling in my arm. I forgot that we went to the driving range up the road to hit some golf balls. It caused some stress on my right arm especially, it's even swollen. Hubby was too cute teaching me. It seems like golf would something that I would be interested in to do during the summer.

To learn more about golfing for beginners, I looked up some videos and I found this one very helpful:

Get 60% Savings on Your Next Hotel Reservations

The past few days I was browsing on the internet looking for some getaway this summer. Not so hassle trip yet would make a memorable for hubby and I. This is the best time to book flights and hotels without having to rush and ultimately we can beat the sky high price due to summer. I found that Accor Hotels offer great deals if we book right away if our destination is in Europe, can be in UK, France, Spain, Germany, even Netherlands. Knowing that we'll have so much fun, with endless things to do and see all over Europe, we figured it's time to just do it and go ahead. I would very much love to go to Paris, France to see the Eiffel Tower, I always get amazed by how it was built and plus its the city of romance and love, just perfect for the trip we are looking for! Other than the Eiffel Tower I would also like to see Moulin Rouge and Louvre Museum. I only know how they look like in prints and tvs but I would love to see those places in real. Just by seeing the place and wander around would be a great experience.

The city of Paris offers luxurious ambiance, the magnificent buildings, and all the grandeur, it would also be great to stay in a comfortable equally luxurious hotel room at the end of the day. A room that has relaxing jacuzzi and excellent service is all you need!

For all the ones who are interested to travel in Europe soon, take advantage of the savings up and great deals up to 60% when they book on-line between 23 - 29 June, for stays between July 10 and September 30, 2009, hurry up and catch the deals and have an adventurous summer!

Change Your Look Everyday

Hello, have a great week everyone!

Is the economy getting better now? Some of the few instances that to indicates that the economy is getting back to normal are: first is the gas price, $2.93/gal, at my workplace they are continuously hiring more employees (maybe just because of summer?) and lastly, I earn more money on my online gig? I am not complaining, I guess the this economy "dilemma" thingy isn't such a big deal anymore? Or perhaps it is actually recuperating now? If so, then that' great.

On the lighter note, the other day I was whining about my hair being so dull-looking, plain old shoulder length hair, but then there's not turning back for me now after I decided to chop it all off. So I always find different styles for my hair just so it doesn't simply stay bangs and layers, i try my best to put a little twist when I go out and I refer to this style handbook ::here::

You can choose the style that's relatively applicable to you and there you can change your look instantly.
Woman with medium length hair // © Ben Goldstein/Studio D; Marie Claire
This is pretty much a classic, simple yet stylish hairstyle I constantly turn into doing when I am in a hurry.


Soft and Smooth Skin -- Even Your Foot

One of girls' best assets is the smooth skin, and soft skin is a plus. I always make sure I use extra moisturizing lotion especially in the winter, the time when the skin gets so dry and wrinkly. I use Jergens extra moisturizing, it keeps my skin glowing, apart from the dull and extra dry skin that I have when I don't use lotion, I could really tell the difference.

Here are some other tips to keep your skin glowing and moisturized, young looking as well.

Unique Style Baby Bed Sets

Hope the weekend went well for everyone. The weather seemed to be unpredictable again, one day it's nice, the next day it's drizzling.

For two weeks I have been trying to work as much as I can and not even time to think about anything else which on a good note is nice, I don't think about spending especially. I have been addicted to watching Jon and Kate lately that the kids amaze me big time. Also, I am getting so much points when in time that I would have to take care of the kids of my own. One of the big challenges of taking care of eight children with almost the same age is shopping for their clothing, shoes, their Baby Bedding Sets and their needs at home including foods.

I am going to have time to buy gift for my friend's baby shower and I finally decided I would get a Baby Bedding for her baby.




NEW BLUE PLAID QUILT NURSERY BABY CRIB BEDDING 12PC SET

I like that they have varieties of beddings, there are unisex and there are sets for boys or girls. They have unique styles on bed sets from modern to classic styles. Check out for yourself for if you are looking for new baby bed sets.


Strawberries on Vanilla

I was feeling kind of sneaky tonight. I had vanilla ice cream topped with strawberry shortcake and whipped cream earlier after dinner and it was surprisingly good considering I don't like strawberries. So before I sneaked in bed I got another bowl of it, delicious! Here are some other recipes for vanilla ice cream lovers, please click ::here::

It almost looked like the one on this picture but with whipped cream.

Today was kinda boring day, it wasn't productive either. I just sat most of the day and stared at the computer. Instead of doing my tasks, which the majority in my list left undone (revise the resume, again... sent out my resumes to companies, etc, basically to sell myself for a new and better job simply for some change). Im trying to get myself motivated to actually go out and just do it -- now! But, hey I guess when I get busy from school and my schedule gets so compressed together I'd feel pressured to insert that in my schedule. For now I'd just relax and and get fat, hehe.

Wednesday

My rest day. Perfect weather, long list of things to do, darn.

First and most importantly, update my blog! Then, I can't go anywheres unless I pump gas tank on my car. The laundry is going on right now so that is out of the way now. I want to watch some classic movie today, any ideas what? Some kind of family - sad - happy - ending -type of thing. I need some emotional stimulation to get going. Also, because I dreamed of my mother last night whom have bade goodbye in 1998 when she died of heart attack, and I miss her so much. What could have been the situation right now if she was alive? Ahhh, regrets, pains and sufferings.

On Beauty and Money = Marriage

I found a really good article of comparison and contrast, of somewhat debate without bias. It is about why women prefer men with power and money but they don't admit it. First of all, money represents power, ability and those equal to respect.

When poverty comes in at the door, love flies out of the window.
Read More>>>

Movers and the Dog

Are you living in Texas are and need help moving? I understand, it is one of the challenges of moving to a different house. Then you need to call and see how Houston Movers can help you.
It is especially hard to move when you have children to look after, packing the stuff more more organized to make it easier to unpack them.

Pretty soon I will have to do the same thing and planning and organizing can be a little challenging and good thing these companies know just what to do in helping people moving their stuff.

They Specialize In:
  • Full Service Moves
  • Loading / Unloading Help
  • Packing Services
  • Make-Ready Service
  • Cleaning / Maid Service
I went to the store to get what we needed for dinner tonight and I started chatting with my friends, one after the other and took me longer than I thought. I was walking out of the door and I realized I brought the dog with me and before I left the car I rolled the windows up I was afraid someone might steal the puppy because I knew somebody that lost her dog in the parking lot so I did it for safety. Then when I got in the car the dog was kinda breathing hard from heat in the car. Awww, I felt so bad. I gave him cool water when we got back home.

Add a Twist to Your Shoulder Length Hair

When I had my hair cut, I never doubt I would be happy with the result. But for some reasons, when I wake in the morning and it's all messed up and because it's short now I think when it's messy it makes me look like I'm in a misery ( in short, it's ugly). But then again, I was simply seeking some change in my appearance and it was the least I could do: to change my hair. Of course just to those who saw me with long hair before would notice the difference.

At times, I feel like I have limited access to more styles but I found this tips how I could put give some varieties on my appearance with my shoulder length hair.Simply by using a Volumizer & Thickener that is totally organic I can give my hair some natural looking curls without using the electric curler.

I started by applying a bit of volumizing/thickening cream (I’m obsessed with TIGI Love Peace Planet: Freak of Nature) to my damp hair. Then, I took 1-inch sections and fed them into the tube at the end of the dryer. The air whips your hair around as it dries it, creating beachy waves. I was blown away (no pun intended) by the results!


Before and After

Thanks a bunch to cosmopolitan.

Feed Hungry Creatures

Our backyard is lined with tall trees, wildflowers, cornfield at the far back but it's surrounded by trees that serve as shelters for squirrels and many different kinds of birds. There are so many kinds of birds that I never saw in the Philippines before, of course living in the big city for most of my life didn't help. I am amazed how my husband could tell what kind of birds are playing in the trees, clinging from branch to branch and then fly away. Even in Saturday mornings when we can stay in bed late, the birds lull us back to sleep, from the way they sing Mike my husband knows what kind of bird is singing.

Last summer, we set up a bird feeder like glass hummingbird feeder to cater to the birds that are hungry and nothing to get from the woods. Now worms or anything to pick up to feed themselves. And from the window of our room we'd watch the birds set themselves securely on top of the feeder and greedily eat, like they never ate in so long. Poor birds.
Humming Feeders, Avant Garden® Yacht Race Hummingbird Feeder, N05HB
Glass bird feeder

I even thought that maybe this year we are going to change our old bird feeders with that humming bird feeder because it simply attracts more birds and we can feed more hungry birds! As long as the weather continuously get better towards summer, we'll be able to set it up.

Smart Summer Shopping

Don't make the same mistakes I did.


Hinge® Printed Silk Maxi Dress
Halter summer dress, me like

Ahh, summer yesterday, today it's back to cool wind chilling me again. But, I understand it is trying.
I haven't got done with some of my shopping, I made some stupid mistakes of ordering stuff online that I didn't even know how reliable to sites were and now I am bummed I spent almost $400 on two occassions within 3 days and bam! I didn't know where it went. Lesson learned: Before buying online make sure you have shopped to the actual store before spending big bucks especially. Now it's still bugging me how stupid I am! So, tomorrow I am going with my friend again to go some shopping. This time I will spend more wisely ;-)


Save on Buying Bulk Foods

Good morning. I can't believe I am actually up by 6am again today.

First of all, I am excited that I am making pork adobo today.
Because I am the new care taker of our little kitchen, I am always trying to find a new way to make something. In fact, foods and cooking start to be my consolation when I don't want to wake up in the morning and I just imagine the smell of the foods I am going to cook for the day.

Well, last night I was just realizing that making foods cost so much money. And with the budget cut back I originally planned, I need to find a way to get Bulk Foods when cooking. I also realized thatI also realized that not only that we simply cook but we have to make sure the nutrition of the foods we’re making could benefit our family’s health. It was perfect because I was thinking of making some oatmeal raisin cookies and all I needed was on this website! It's great now that I get to explore different types of cooking from grilling to baking. Ahh, fun. I need to find one good recipe for my oatmeal raisin cookies.

Odd Cloud Formation

I was stumbling and I found this really creepy formation of clouds that was taken somewhere in New Zealand. Could this be real?


Asperatus cloud: Over Hanmer Springs, South Island New Zealand
Hanmer Springs, South Island, New Zealand

Need Some Friends?

I have another long list to do tomorrow, if I'm lucky I could completely finish at least one on the list, whew!

Anyways, I was sooooo happy today I talked to my sissies in the Philippines. Finally they got their internet working and I could talk to them more often now. Especially that I get so tired just browsing, errr I mean unproductive I keep browsing Charice Pempengco's videos and I just keep looking for more endless. Could that be a sign of depression? Hmm..

It's better if we're talking to people and meeting new friends than just by ourselves during sad time so I guess if you are kinda bored, need someone to talk to you might want to visit or try public chat and maybe you could even find your soul mate or even real friends on there.

Alrightie, really gotta go now! See you tomorrow.

Depression Under 6

Today, I was somehow productive.

I started doing my resume and reading my book. All I need is finish my cover letter, little by little I could soon distribute my resume in all the establishments in the village, so help me God.


Ahh, good sleep.

I am off to bed night for some night rest, I heard that getting 6 hours or less of sleep could lead to depression or suicidal tendencies so I need at least 8. I will post about it tomorrow.

What Gifts We May Give

Well, graduation is coming for high school students. We have one at home and we have been planning on having a little party for the little princess. If I was living in the Atlanta area, I found this Atlanta Spas would be great place for some girls who might want to have laser hair removal, very much needed for growing teenagers who wish they don't have to shave every other day and just simply have them removed at one time. Good thing about Atlanta Spas isn’t only for girls or women out there. Our dads for the coming Father’s day might want to have some changes as well, botox might be the best, we all know that dads, too, like their appearance to be younger than their age. Skin rejuvenation is also great for some precocious teenagers.

I wish they had a branch in the Syracuse areas, although I know there are some other places here that do the same thing but when I visted the testimonials section, it looks like these people know what they are doing and are very professional about the service they offer. We want people to be truthfully concern about us and our situation concerning what service they offer we want to be done to us. Such us, if we come to their place and they are very helpful and not simply grabbing our money then it's a great team to help us out.

Looking to Be An Actuary

Well, as I have mentioned a few posts back, I am in the pool of people seeking for a new job. it could be my second job for a short period of time until I settle myself more comfortably to whatever job I get hired for and then slowly pull away from my current job. I love my job right now, there's nothing wrong with it except that I need a faster pace environment, more money to pay my bills of course (they just keep coming everyday) more chance of growth towards my goals in my career.

And Mike is looking around the internet for a choice of possible high paying jobs by the time Mary and I get out of college and we found this Actuary job and we found out it's not very hard job (at least by the way it looks but pays a good amount of money). Thanks to the source.

Here is the link btw that could guide if anyone interested to be an actuary. Please click HERE.

Education and Training: College

Salary: Median—$76,340 per year

Employment Outlook: Very good

What are the chances that a twenty-one-year-old will live to age sixty-five? How much do people lose every year because of fires, floods, or robbery? Actuaries work with numbers and facts to answer such questions.

By checking facts, working with statistics programs, and constructing probability charts, actuaries are able to tell insurance companies how much to charge a policyholder for a particular type of coverage. The fee, or premium, must be sufficient so that the company will be able to pay the customer in case of loss and still make a profit.

More than 60 percent of all actuaries work for private insurance companies. Many work for life insurance companies. The rest work for property-liability companies and are sometimes called casualty actuaries. Some actuaries work for state or federal government agencies. In the federal government actuaries handle particular insurance programs, such as Social Security or life insurance for veterans and members of the armed services. Actuaries who work for state agencies are concerned with unemployment insurance, workers' compensation, or state retirement or pension plans. State-employed actuaries regulate the rates that are charged by private insurance companies. Actuaries also work for consulting firms and rating bureaus. Rating bureaus are associations that supply actuarial data to member companies. Consulting actuaries set up and evaluate pension and welfare plans for private companies, unions, and government agencies.

An actuary works with an insurance company representative to determine premiums or policyholder fees. (© G. Baden/zefa/Corbis.)

Education and Training Requirements

To become an actuary, a person needs a bachelor's degree with a strong background in mathematics and statistics. Courses in insurance law and accounting can also help. Some colleges offer undergraduate and graduate programs in actuarial science. Before becoming a fully qualified actuary, an individual must pass a series of examinations over a period of five to ten years. Students can begin by taking the first two examinations while they are still in college. Then they have a better chance of securing a beginning job as an actuary when they graduate.

Professional organizations give the examinations that a person must take to become an actuary. The number of examinations required varies from one insurance field to another. Generally, the first few examinations test mathematical skills that are learned in college. Because the various actuarial societies recognize each other's examinations, individuals can apply the examinations administered by one to the requirements of another if they decide to switch to another field of actuarial work. However, some of the tests are specific to various branches of the profession.





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Indoor Fun

Summer is the time for fun and games, whether its indoors or outdoors. I definitely wouldn’t mind a week on the beach for a vacation and swim all day. So far, the soonest time I could travel to the Philippines would be in early 2011. But for now, I just try to have fun at home and in the backyard. Back home in the Philippines, I used to go with my friends playing billiard. I didn’t play but it was fun watching. No matter what kind of recreational activities we do, it’s always fun to do it with our family.
We just got back from playing putt-putt golf up the hill where we live. It was a fun 15 minutes while the sun slowly sets itself. The wind was starting to chill and the sunlight kissed the tips of the trees. I lost but I was looking forward more to the ice cream after the game. The place offers wine ice cream and many other varieties including equally delicious milk shakes.
Well, if you like playing golf and need pool cues, a whole set of pool accessories, tables and pool sticks please follow the link and maybe you can start putting up your own pool at home. It’s fun, and if you get good at it who knows where it takes you, right Charlie (my friend)?

Adobo and Braised Paprika Chicken

Mike is a pro in cooking rice now that I follow his recipe when I want a good rice served. Ahh, he even starts to look like Asian now *wink*.

Even though I don't follow a certain menu every week, I still survive being the wifey (like a pro, too) at home making meals. Well, tomorrow I am going to make a real simple Adobo for lunch just to indulge and maybe this chicken for dinner.

braised paprika chicken

Ingredients


  • 3 pound(s) bone-in chicken pieces (thighs and/or drumsticks and/or breasts), skin removed, trimmed (see Tip)
  • 3/4 teaspoon(s) coarse salt, divided
  • 1/2 teaspoon(s) freshly ground pepper
  • 2 tablespoon(s) canola oil
  • 1 tablespoon(s) butter
  • 4 cup(s) finely diced onions
  • pinch(s) sugar
  • 1 cup(s) diced red bell pepper
  • 1/2 cup(s) diced green bell pepper
  • 2 tablespoon(s) tomato paste
  • 2 tablespoon(s) sweet paprika
  • 1 teaspoon(s) crushed red pepper
  • 1 teaspoon(s) dried marjoram
  • 1 cup(s) reduced-sodium chicken broth
  • 1/2 cup(s) reduced-fat sour cream
  • 1 tablespoon(s) all-purpose flour
  • 2 tablespoon(s) finely minced fresh parsley, dill and/or chives

Directions

  1. Pat chicken pieces dry with paper towels and season with 1/2 teaspoon salt and pepper.
  2. Heat oil and butter in a large heavy casserole or Dutch oven over medium heat. Add onions and sprinkle with sugar. Cook, stirring frequently, until the onions are very soft and light brown, 10 to 15 minutes.
  3. Stir in bell peppers, tomato paste, paprika and crushed red pepper. Add the chicken and stir it gently into the onion mixture. Sprinkle with marjoram and add broth. Cover the pot with a tight-fitting lid and simmer over medium-low heat until the chicken is very tender, about 50 minutes.
  4. Just before the chicken is done, whisk sour cream, flour and the remaining 1/4 teaspoon salt in a small bowl until smooth.
  5. When the chicken is done, remove it to a plate. Stir the sour cream mixture into the sauce; return to a simmer and cook, stirring, until the sauce coats the spoon. Reduce heat to low, return the chicken to the sauce and reheat, about 1 minute. Serve garnished with parsley, dill and/or chives, if desired.

Tips & Techniques

Tip: If you are using a combination of thighs, drumsticks and breasts, cut each breast in half crosswise to make pieces about the size of a thigh. And if you buy whole legs, separate the drumsticks and thighs. When the pieces are about the same size, they'll cook at about the same rate. Carb Servings: 2 vegetable, 4 lean meat, 1 fat Carbohydrate Servings: 1 Nutrition Bonus: Vitamin C (90% daily value), Vitamin A (50% dv), Potassium (17% dv).





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Send Flowers Online

Argh! I can't get motivated to do the things I need to do today. But I don't wanna end it without being productive. Lately, it is getting to me that the food is my reward so I could finish the things I need to do.

Well, I was just reminiscing when I was in the the Philippines and one day after a week of talking to my now hubby, a guy delivered a bouquet of red roses to my door! It one sweet act my hubby did that indeed got me so weak and I thought, "How did he do that?" And I found that you can send any fresh flowers in the world through companies like if you want to send flowers to Russia, then it's just one click away!

Send your special thoughts and love for your loved one and get flower delivery to Russia easily.

What We Need to Know

This is an excerpt from "What Women Need to Know About Men's Sexual Health"

He may not be aware he has an STD

By age 25, half of all sexually active people in the U.S. have contracted an STD, and the most prevalent diseases can be completely asymptomatic. It's not a matter of trust—even the most sensitive, honest guy can simply not know he's carrying a sexually transmittable disease. That goes for HPV, the most common STD, and other widespread conditions including trichomoniasis, chlamydia, and even HIV. According to the Centers for Disease Control and Prevention (CDC), 90 percent of all people with genital herpes don't know they have it. Read More>>>

Find Best Credit Cards

Should I be thankful that I don't have to deal credit cards bills? Yes and no. There are times when I need to buy some things I need online that require payment through credit cards and I can't because I don't own one. So I guess it's time for me to apply for one, glad I found this one that even though I have no credit history or for some people bad credits history, they can still avail to get a new credit card that they could use.

Find the best credit card deals through this website and learn what best suit your wants, the flexibility of payment options, etc.

Learn TO Play Golf Without Injuries

This summer, Mike and I are thinking of something fun to do together. He loves golfing but his friends always like going an hour away to play golf because they live far away from us. So we came up with the idea; we are going to play golf together. I would be a total newbie on this but I would be willing to learn. First, I would need to buy my own golf club, here are some factors to look at before buying a set of clubs.



As a noobie, there are some tips on how to play properly without having injuries in the future.

Also, coonsider joining Country Clubs that offer proper lessons in the area. Or the complete list of tips are listed below:

To help prevent injuries that will keep you off the links, the AAOS recommends:Thanks to source HERE.

  • Taking lessons, especially if you are new to the sport, to learn the basic techniques. Beginners should also ease into regular playing to avoid overuse injuries.
  • Practicing on real grass when feasible instead of rubber mats, like those found on driving ranges.
  • Wearing clothes that offer comfort and protection from the weather conditions. Golf shoes with short cleats will help with stability.
  • Avoiding neck strain and rotator cuff problems by not hunching over your ball too often or too much when studying your shots.
  • Stretching the wrists and forearms properly before and during play and not overemphasizing your wrists during your swing.
Have fun!


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Looking for a Job During Recession?

The past few days I have been setting my mind of working the rest of my year out looking for another job. I have a few places in the area that I feel like they could offer me growth that I need, a few challenges and that would help me prepare myself when I get out of college. The first step to do is update my resume. Do a more professional cover letter stating my goals more defined and adding my accomplishments comprehensively.

I hate that I have been procrastinating but I guess taking things one step at a time would prepare me better. I have to conquer a few of my weaknesses, lack of confidence, I tend to overprepapare but it's not a bad thing. I have to summon enormous courage to actually do it, I tend to "think beyond the fence" all the time thus prevents me from doing what I want and have to do. Argh!

So what about you? Jobless? Simply need a change but discouraged by the economy status right now? Here are some tips to keep focused and start your way out to the top through these 8 Tips For Job Hunting despite the bad economy. Thanks a bunch to the source.



Pick and Choose Your Targets

When Jack Hinson was laid off in mid-2008 from his job at a large Internet content company in Austin, he prioritized his search. “It’s important to put your time and energy into opportunities that you’re the most interested in and that have the best chance of coming to fruition,” he says. “Pick a few companies you’re interested in and pursue them, whether they have current openings or not.”

Concentrate on Growth Industries

Brent Berger, a Las Vegas-based scenario planning and strategy consultant, suggests focusing on growth industries and areas. “Look at energy,” he says. “With oil costs where they are, the need for cheap fuel and cheap heat is ever-mounting. And any job that alleviates pain is recession-proof. Similarly, the National Guard, Border Patrol, homeland security and the defense industry in general will continue to thrive as the next stage in the war on terror continues.”

Work Your Network

Hinson’s new gig came from an old connection. “I’d spoken to the company’s founders about a year ago and stayed in touch,” he says. “Then I ran into one of them at a networking function.” So flip through your Rolodex or business social media contacts and let them know you’re looking.

Sell Yourself

San Francisco PR account executive Samantha Rubenstein launched a job search just as the economy began to flag. After three months, she got a great offer from Atomic PR. She attributes her success to doing more than learning about the company. “Preparation [includes] learning how to talk about yourself in a meaningful and powerful way,” she says. “I created a list of potential interview questions and typed up bulleted answers to create speaking points.”

Consider Freelancing

Russ Carr, a designer and writer in St. Louis, has twice had a line on a job only to see it slip away when the employer lost a key account or decided to distribute the duties among current employees. To keep some money coming in, Carr started freelancing. “I haven’t stopped trying to shop myself for a full-time gig again, but freelancing certainly has kept food on the table,” he says. “If you’re in a field that supports it, don’t think twice -- just do it.”

Take a Temporary Position

If freelancing isn’t practical, try temping. “Consider interim staffing to fill a temporary slot for work that needs to be done despite the economy,” advises Ronald Torch, president and CEO of the Torch Group, a marketing staffing firm in Cleveland. Or temp with a company that interests you. “Many of these options pay well and can carry the burden of bill-paying until a permanent position comes along,” he says.

Sweat the Small Stuff

“Don’t forget the personal touches,” counsels Felicia Miller, assistant director of career services at the Art Institute of Las Vegas. “Don’t use a template cover letter -- make sure each letter addresses specific skills or qualities the company is looking for. And always send a thank-you note or email after the interview. Use this correspondence as an opportunity to revisit weak areas of your interview.”

Stay Positive

The most important thing when searching for a job in tough economic times is to retain a positive attitude, says Carol Vecchio, founder and executive director of Centerpoint Institute for Life and Career Renewal in Seattle. “Even in a job market with 10 percent unemployment, there’s 90 percent employment,” she says. “There is an average of over 3 million jobs available in the US per month -- and each job seeker is looking for one. Those are pretty good odds.”

Struggling to find a great job in a bad economy can be a drag, but undertaking even a few of these tips will improve your chances of landing a gig. “Remember it doesn’t matter how many jobs are or aren’t out there,” Vecchio says. “You’re just looking for one -- the right one for you.”




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Professional Roofing

The weather is perfect for some house renovation. At first we thought it'd be ideal to buy a full house when we move out of the apartment we are living right now. Until recently we realized it’s not very practical to purchase property, with all the changes in the economy, fluctuations on dollar exchange rate, etc. So many factors to consider before jumping into buying a new house, whether we are able to keep up with maintenance, etc.
But then again, it’s also more stable if we are living in an owned house without having to deal with load of rules of townhouses and apartments if you are in one. And If some repairs need there are some companies like Kansas City Roofer that is growing all over the country to help people with repairs on their houses.

They Specialize In:

* Full Roof Replacements: Wood, Flat, Composite, Clay or Metal
* Any Roof Repair: Wood, Flat, Composite, Clay or Metal
* Gutter Installation & Repair
* Window Replacement & Repair
* Kitchen, Bath, Basements Room Additions, & Siding


It's great to know that there are professional home builders like them to take care of our house
in the future when we need it. Get a free roof and estimate for free!

Some $$$$ On Coupons

Hello, hello!

Well, June is passing almost like a whirlwind. Pretty soon my vacation is over and will be back to reality. Going back to school and going back to business. I am not quite sure if I would want the vacation to be over or I am more excited to go back to school. The latter is great I guess, because I could get the school over with as soon as I can.

I was browsing for some recipes for dinner tonight or tomorrow when I found about this great website for printable coupons. I found coupons I could use to save some money. What's the best thing I found out was that there's this scholarship for moms out there who want to finish their degree and need some financial help. All Moms have to do is sign up and submit the application on the website, please click HERE. Win a whopping $10,000 for your education for all Moms out there.

Right now that I go to the store all the time for grocery shopping I can now realize (somehow keeping track of expenses) how much we spend a week for our food/household supplies alone. Sample of coupons below. Have fun saving!

Online PC Tech -- On Call

Before I came to America, I thought everybody knew how to use use computers (or owns one) until I got to meet a lot of them and so far, a large percentage of the majority of the local population don't even know how to use the technology. Some of them own one but don't really know how to use it properly. Simple browsing on the internet and join the social related websites could be one of the ways people use to kill boredom indoors. But little did they know that computer needs more maintenance than they ever thought. But it doesnt mean we have to be tech-savvy or our own personal technician, neither do we need somebody in the village to call to fix our computer. The truth is this revolutionary Remote PC Repair is an amazing thing that could reach out all through out the whole world to reach out and be able to fix one computer through the other computer without the tech actually having to travel. For a minimal cost and your computer is fixed!

It's very handy and comfortable, just give them a call and there's a person that's always ready to help fix your computer problems.

One testimonial said from the service provided stated "It's a great way to improve his efficiency and convenience for me."

Sinful

I had 1 1/2 slices of Carvel sinfully chocolate ice cream cake, holy moly! So chocolatey that I couldn't even finish the thing I had to share some to hubby whom already had 1 1/2 also making it two slices! Bad... I shouldn't have let him do that.

The past few nights I have been religiously going to bed at the same time my husband does but tonight I had to finish the movie we were watching. I got so interested and so I had to finish it.

Off to make hubby's lunchie for tomorrow. Goodnight!

"To show humility, we must first understand courage"

Scholarships for Fulltime Students Who Use Wheelchair

Lately, I have been watching on this website that posts different kinds of scholarship for colleges. I was hoping I could get some kind of scholarship to support my college expenses no matter how much the amount of the awards I get, any amount would do. For so many scholarships I thought I could be granted, writing essays about some certain topics are one of the categories, I would have given it a try but one other requirement was that I have to be a US citizen which discouraged me the most. It was impossible. I just gave up on this one website. But it is good to know that disable people have the chance to get some extra cash when they go to college through stair lifts scholarship program. It is nice to know that some people care for people who need most.

At first, I was hesitant to even file my application because of some wrong conceptions until one day I had to courage to talk to somebody at the financial office and the person gladly walked me through the process. I finished up the application and after a few days, I got an email saying I was able to get grants for certain amount for the whole 3 periods (summer, fall and spring), not a whole lot of money but a little extra cash is always good especially if we don’t have to pay them back, right?

How About Penne w/ Eggplant

Err, I cannot find the scissors!

Instead, i guess I am going to think about what to cook tonight. I know we just had sesame eggplant the other day but we didn't enjoy the thing as much as we thought. Some pasta will do, and some pasta with some esggplant is even better! I am loving my primary source of recipes here: Thanks so much to delish.com.

Penne Salad with Eggplant


  • 8 tablespoon(s) olive oil
  • 1 large eggplant (about 1 3/4 pounds), peeled and cut into 1/2-inch cubes
  • 1 1/4 teaspoon(s) salt
  • 2 cloves garlic, minced
  • 3/4 pound(s) penne
  • 1/2 cup(s) chopped fresh parsley
  • 1/4 teaspoon(s) fresh-ground black pepper
  • 2 tablespoon(s) lemon juice

Directions

  1. In a large nonstick frying pan, heat 2 tablespoons of the oil over moderate heat. Add one third of the eggplant and 1/4 teaspoon of the salt and cook, stirring occasionally, until the eggplant is tender and brown, about 4 minutes. Remove the eggplant from the pan and put it in a large bowl. Cook the remaining eggplant in two batches, each using 2 tablespoons of the oil and 1/4 teaspoon of the salt. Add the garlic to the last batch of eggplant during the final minute of cooking.
  2. Meanwhile, in a large pot of boiling, salted water, cook the penne until just done, about 13 minutes. Drain. Rinse with cold water and drain thoroughly. Transfer to the bowl with the eggplant.
  3. Toss the pasta and eggplant with the remaining 2 tablespoons oil and 1/2 teaspoon salt, the parsley, pepper, and lemon juice.
  4. Notes: Eggplant soaks up oil like a sponge; so it's best to cook this vegetable in a nonstick pan. That way, you can limit the amount of oil available for the eggplant to absorb without worrying about it sticking.
  5. Wine Recommendation: Chianti is one of the versatility champions of the wine world. Its high acidity, medium body, moderate tannins, and understated dried-cherry fruit allow it to play a supporting role with many cuisines. Serve one here and you'll see why.

Pet Grooming Tips

I am off to cutting my dog's hair. Another part-time job I do! Sad? No, it's fun. Learn, grow, earn and have fun! Why not?

For almost two years I have been doing a personal groom for our little poodle. And each time I do (even though his haircut never changes) I consult some pet grooming website like this Tips for Pet Grooming, if you are like me who takes passion on doing the same thing, you would like to visit the site as well.

Ciao, I will be back when I get done.

Any Ideas For Father's Day?

Two Christmases ago, I bought my hubby a seiko watch to replace his old one. When I choose for a gift I always think of something what the person would actually use, basically what they need the most. Not simply because it is fancy but useful as well. Something that would last a long time and something that the person would use at the maximum times. Here's the father's day coming very soon and I was looking these bulova watches that might be good to be hubby's alternate watch when he has to dress up or simply when he's going to work


Bulova Dress 96B001 Watch

I knew that he appreciated the watch I gave him and didn't matter if I spend hundreds of dollars or less than a hundred bucks, he used the watch everyday and even sleeping sometimes. Soo cute. I prefer a leather strap than metal because the metal usually pinches your skin when you put the watch on.

Watches are definitely great ideas as gifts for our dads or any dad, they last and they are useful. I also like the chronograph watches, so when we travel we would know the right time at where we are, back home and where my family is in case I would have to make a quick phone call to keep in touch. I think, I would actually get the chronograph one!

Adobong Baboy

Here comes the time when I get so excited about making dinner, and get so confused at what to make. Even though I have a million things to do (cut the dog's hair, bathe the dog, do a pile of laundry, clean the room, dust the countertops, clean the bathtub) that's a long list! Lately, I have became so domesticated that I always think about cooking. Kitchen has been my favorite part of the house, (with obstinate cravings for food) which I fight so hard. I don't want to get to that point where I would be struggling to lose weight! Please, no.

I am thinking of making some fish, maybe mahi-mahi (dorado) but it seems that the past few days we have been making meals that have gingers and this recipe that I found (and sounds delicious) is also gingered!



See full size image
Well, maybe I'd settle for adobong baboy that I would have to savor by myself or share with some people who might like them at work.

Two Years!

June 2nd, two years ago I made my vows to my husband whom I kept those vows to be truthful and I will until the end of time. a few months ago, everything seemed to be in chaos. We didn't think we'd survive the struggles we had in the past.

The past few months, my marriage has blossomed into a more mature pace, more loving relationship. Each morning, I realize how lucky I am to have somebody who understands me and watch me grow in every way. Somebody who would support my ambitions and goals towards their reality. That despite I am labeled 'stubborn' by many people including my husband before, he knows that I would learn from my own mistake. I could not ask for more, my husband lets me make mistakes and give me proper guidance as best he could. He doesn't set limitations on where I could go as far as career goals, nevertheless supports me fully on my pursuits. I am so thankful for everything that I have. Thank you so much my dear. I owe so much from you.

Need Infos on Plastic Surgery

For so many reasons and some aspirations I have thought of undergoing some changes on my face, such as rhinoplasty to correct some deviations on my nose that I got from some accident almost 10 years ago, but I realized that before undertaking such decisions we must find out more about plastic surgery information, so we'll be more informed and knowledgeable about the consequences. I understand that there are some factors that we need to consider before jumping into it. Would it be really necessary? Beneficial? Any valid reason for doing so? I definitely would still want to have some plastic surgery done in my body, my chin maybe? Well, if you are planning to have some kind of plastic surgeries, don't forget to consult the right people who could help you decide without having to regret eventually.

What My Hair Says About me

For about 10 years or so I had my long hair and just recently I have let go of it and chopped it all off, short enough for a bob. It was worth it, I should say, even though i miss having to play around with my almost waist length hair but it definitely changed my aura having this truly Asian hair color and hair cut with bangs! Someone asked, 'Did you dye your hair black?" Oh, no! hehe.

I actually found an article that makes me even more proud that I had the guts to encourage a big change here. For some people who are afraid that when their hair gets shorter, a leap that might post limited styles when dressing up, I personally think the same thing it doesn't mean we can't be beautiful. The change alone is nice and can give a drastic and positive outlook on our own personality. I should be able to take some pictures of my new hair and share it with you.

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