because of our upcoming “bullet”.

Yes, bullet, if the Chinese Calendar will be as accurate.

We were supposed to have a short (two weeks) trip to the US this coming June, right before Sophia starts school on the 16th.  Plans were laid out - one week in LA and a week in Florida.  I was even scouting for cheap tickets already as I told Jen while I was chatting with her.  I was really excited but I guess the Big Man has bigger plans for us.  After all, travel plans can always be rescheduled.  I don’t think I can handle being on my first trimester and travel with a toddler so it was a very easy decision to make, we had to cancel.  As for our other travel plans for the year, I doubt it.  Traveling has to take a back seat now.  Instead, I am looking forward to baptism and birthday parties!

I am not sure if this is brought about by my pregnancy or what but while I was looking at the mirror this morning, I can’t help but notice how I have aged and how different I look now compared to my old photos. At 27, turning a year older in two months, I wonder if I need to buy wrinkle cream already as I have always been told that an ounce of prevention is worth a pound of cure.  What do you think? Am I just over reacting here or are my hormones are just acting up on me?  Or is this my reality now and I have got to face it upfront? Oh no!

Tagged a long time ago by Jody and Eds. Sorry girls, super late. You know why!

THINK BACK TO 4th year high school… Let’s see how much you remember and how much you regret..

What section were you? 4F

Who were your seatmates? At one point I remember I was seating beside my cousin - Tina.

Still remember your English teacher? Yes, Mrs. Feliciano.

What was your first class? Religion.

Made friends to the lower years? Yes.

How was your class schedule? 7:15am to 3:15pm

Made any enemies? I can’t remember any. My good friend Annette - madami!!! HAHAHA

Who was your favorite teacher? Wala, LOL.

What sport did you play? Volleyball. Was part of the varsity team until I was in 2nd year. And then I quit as I became vain na HAHA.

Were you a party animal? A little.

Were you well known in your school? Hmmm, I guess. Maybe we can ask our schoolmates who are now bloggers too.

SKIP CLASSES? YES. I was had our driver as my “kakuntsaba”.

Did you get suspended/expelled? Yes, once.

Can you sing the alma mater? Too bad, not anymore.

What was your favorite subject? English.

Did you go to the dances? Yes.

Where did you go most often during breaks? Canteen?

What did you do on the last day of school? I can’t remember!

Thanks for letting me reminisce high school Jody and Eds!

With the hard times we are facing right now, news of businesses going bankrupt are becoming a very common scenario. There are a lot of causes and reasons for this but most are because of debts incurred while business is in operation. There are several ways to avoid bankruptcy and one of the more popular ways nowadays proven effective by other people is what they call debt consolidation. Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan. Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, most commonly a house. In this case, a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

Debt consolidation is also often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest.

So if you ever find yourself in deep debt, don’t waste your time and wait for the worst to happen. Go seek for a solution and explore debt consolidation.