Getting Home Mortgage for People with Bad Credit Scores

It’s everyone’s dream to have a home of his or her own. However, it’s hard to apply for mortgage loans when you have a bad credit history. It’s a good thing that you can find an agency or institution that helps people with bad credit get mortgage. You can even find these agencies on the Internet.

What’s great about these agencies is that they educate people about the advantages of having a good credit score, so they wouldn’t have to fall into the same pattern all the time. You see, there are people who are able to pay off their debts and eventually find themselves acquiring additional debts. That’s why it’s important to teach them why they should maintain a good credit score.

If you have bad credit and you wish to apply for home mortgage loan, try to visit these websites. Their application processes are quite simple, so you wouldn’t have a hard time understanding what you need to do. Furthermore, they help you compare fixed and adjustable rates for mortgages; thus, you get an idea as to which rate suits you best. 

Wishing I Could Buy My Mom an LG DoublePlay™

This is a Sponsored post written by me on behalf of LG DoublePlay™ for SocialSpark. All opinions are 100% mine.

 

I’m thinking of a gift I could buy for my mommy this Christmas. I want to buy her something as special as a new mobile phone, life the LG DoublePlay™. Why did I choose that phone? Well, my mom is so addicted to social networking sites and blogging. This phone would be perfect for her because it has touch and type features, so my mom can do a lot at the same time.

My mom would surely use that new phone for surfing the Internet, since she’s not really much of a text addict. She only sends important text messages. She would much rather peek in her Facebook, given that she loves uploading pictures of our family. I don’t really know much about mobile phones, but the LG DoublePlay™ is just perfect for this, since it comes with a 5-megapixel camera with LED flash, so mom can take and post pictures of us on Facebook.

I also heard my mom say that the LG DoublePlay™ makes use of Android™ 2.3 (Gingerbread) OS and allows for full customization. My mom was the 1^st one to see the phone, and she very animatedly related to us the specs of the phone even if my brother and I didn’t know anything about it.

Now, what do you think about it? Are you an avid texter or would you rather spend a lot of time connecting to social networking sites? Please feel free to answer my question in the comments section.

Winter Break

Three more school days and it's winter break and that means me and my brother will be on vacation from school for 10 days straight! Oh I will be missing my classmates and teachers! I know sometimes I am tired of going to school but most of the time, I am loving it! I love my classmates, my teachers and all the activities we've been doing there for 6 hours, 5 days a week. I was thinking what to do this long vacation aside from of course playing PS3 and or watching movies. But before that, I should be worried first what to give my teacher before the winter break starts. My mom ordered these personalized coin purse for both Ethan's and my teachers but it seem not gonna be deliver on time. Mom doesn't like our teachers to get nothing from us before the vacation so she's thinking of a back up gift. I suggested some flowers. I know sending flowers to them is a good idea and mom agreed but she said it's better if we give something as souvenir so she thought of making crochet beanie herself and now she's cramming. I wish mom will finish it soon and or I wish the personalized coin purse come on time!

Tail Gate @ Thomas Jefferson

It's my first time to hear TAIL GATE and it's my first time to attend this kind of school event. Mom and Dad were there together with my brother. There are plenty of activities and games given to all of the students and they also set up lots of inflatables and my brother and I can play with all of them coz mom and dad purchased a ride all you can bracelet! Awesome right? It's like we were in trade show exhibits or a carnival with lots of table top display  with a colorful table covers!

My brother and I first went to inflatables, we bounced and slide with my classmates and really had fun. After several minutes we tried the different games being prepared. We played mini golf, Frisbee, fishing and more! My personal favorite was the fishing, it's like you are really fishing in a lake! After that we gathered a lo \t of prizes, we went back to the inflatables and bounced all night and we even forgot our dinner, the cafeteria was already closed coz the foods were all sold out!  Mom and dad just brought us to KFC and had our dinner there instead.

That was a great experience that I will never forget!

Book Research

Guest post written by my buddy Bernardo Graham

I have been using our local Texas internet provider to do some research for a book idea I had. Writing a book has always been a really intimidating idea of mine, but I think I want to try to do it. When you think about the amount of energy and effort that goes into each and every page, even paragraph, it gets to be a bit overwhelming. I thought about writing something more along the lines of history. I am really interested in China and its history. I am sure it has been written multiple times and by multiple people. I think the key is to pick one tiny part and really focus in on it. If I find some cool subject that is not really anywhere else, that would really work well. I have been researching and researching and I still have not really found anything that will really work. The only problem with a tiny subject is that then the book will not be very long necessarily. I am not sure how long a book has to be. I mean, there are definitely books that are only a hundred pages long, but I want it to be worth someone’s money if it ever gets published. I still have so much work to do, but hopefully it happens.

Comfortable Cotton Medical Scrubs

I had to step out earlier today to run a few errands, and on my way out, I saw my neighbor on her way home from work. She’s a nurse, so she sometimes works odd hours. It was amazing to see that she still looked fresh despite the hours she put on at work. It was probably because of the comfortable cotton scrubs she was wearing. Since the fabric of her scrubs is light, she could work comfortably and not sweat a lot.

It’s a good thing they decided to make medical scrubs in different fabrics and designs now. At least, those in the medical profession will have flexible choices. It’s important for nurses and doctors to be comfortable with what they wear for work, since they are always on their feet and running about in hospitals. The change in medical scrubs makes nurses and doctors look more at ease without losing the element of respect.

Others who belong to the medical profession might want to explore the possibility of looking for comfortable scrubs, too. There are many choices available at http://www.blueskyscrubs.com/categories/Scrubs/, so you wouldn’t have a hard time deciding on the best pair to get. It’s important for these people to be comfortable both physically and mentally.

Reminiscing That Fateful September Day in 2009

I can still vividly recall what happened more than two years ago back home. Torrential rains poured nonstop for hours, and before everyone else had a clue what was happening, they learned that floodwaters submerged almost the entire metro. The flood waters also badly affected key sub-cities, which are slowly becoming centers of commercialism. Many people died, and it took a long time before rescuers found survivors.

What’s worse is that it took the whole country a long time before it was able to pull itself together and rise from the slump. Even until now, I learned that some provinces haven’t fully recovered yet. I guess the damage to properties and livelihood was even greater than everyone thought it was, and so many are still trying to piece their lives together. That unfortunate event involved heavy rains and strong winds; so two forces of nature were conspiring to cause destruction to the country.

The problem that many faced afterwards was that cleaning services there are not as capable as leaning services here in the USA. Professional cleaners here have no worries about repairing water damaged floors Austin, unlike there were cleaners didn’t have the best and most high-tech equipment.

I just hope that people learned their lessons. After that fateful night, people should be more careful, watchful, and mindful of what they are doing for the environment.

Shopping at Tanger Outlet

My family and I went shopping last Saturday at Tanger Outlet in Branson. Mom and Dad bought me and my brother some clothes for Winter. Mom and Dad got me some long sleeve tops, a beanie, sweat shirt, a pants, leggings and 2 pair of boots! My brother also got some long sleeve tops too! We really shopped a lot last weekend, my brother also bought a sweat shirt, boys sweatpants, 6 pair of socks and winter boots! Mom and Dad got their own set of clothes too. Dad bought his winter jacket with some tops, gloves, beanie and scarfs. Mom has a lot of scarfs and beanie already so she just bought some of her tops, gloves, boots and winter jacket! 

Look at our shopping bags here, I hope Mom and Dad were not shocked when they saw their credit card bills! But I bet not coz the items were all on sale and all were on very low prices that's why we were still be able to buy lots of stuff for Christmas! This will be our last shopping for this quarter, I guess we will shop again next year and for summer this time!

What is SMOKE -FREE?

My mom was so happy that I can finally able to read some words now. My new school was a good reading trainer. Some of the words I knew were everywhere so I can easily get to know and familiarize with them. Some words I know were number words such as one, two three and so on and so forth. I also know some words such as the, she, he, they, we, love, me, is, are, daddy, mommy and so many more and most of them were in the books that mommy is reading me.  I also started to read words that posted in billboards, in streets, in ads and in TV. One time I saw the words "SMOKE-FREE" and I ask mom what's that mean. I thought that means that you can smoke anytime you want but it's not. Smoke free means, the area is FREE of SMOKE and in short, smoking is not allowed. But one time I saw a man smoking but mom said it was an electric one so it's safe.

My Mom Bought New Domain For Me

Dear Diary,


I am a little bit confused with my feelings right now. I am excited coz Mom bought a domain name for this site and I can't wait to see how it looks, on the other hand I am a little bit sad for I don't wanna left behind this site though I know that some of the posts here were already transferred in my new site. :(
I don't know what to feel, I feel like I still can't let go of this. This is my first site, my first diary and now I am leaving it behind. My mom bought www.princesspinaklicious.com for my FASHION with a sub domain of diary.princesspinaklicious.com for my PERSONAL BLOG.
I wish I can use the two but Mom said it's hard to maintain so many blogs. I am taking it from her, she's an expert already. Now, all I have to do is let got of this, and head on to my new WORDPRESS SITE.
I am a little bit sad but looking forward to my new look. Mom ordered a new template already and I am looking foreward to see that.


Good bye BLOGSPOT! Hello .COM!

Hugs and Kisses,

My Birthday Tutu Dress

Dear Diary,

Hello guys, my birthday celebration is gonna be tomorrow. Same as last year, it's pacman's fight! :))

My real birthday is on November 14th but that is Monday so Mom and Dad decided to have it tomorrow, Saturday so everybody who's invited can come. 

I guess everything was set, I am hoping all of my classmates can come and celebrate with me tomorrow for they are the reason why I asked for this party. I wanna celebrate with them and be with them on my birthday.

Mommy made me loots bags, she will be doing the balloon thingy too, and she bought me a beautiful tutu pink and blue dress, perfect for my theme!

Lovely eh? 

I am sharing this to 

Hugs and kisses.

My Mom Needs a Job

 "Have I told you already that my application for Employment Authorization has been denied due to insufficient documents? That I have to start again, compile all the documents and pay for the application fee of $380? I was expecting I will be applying for work this November and will soon gonna have a job by December but I was wrong, my expectations was changed into disappointments and frustration!

I have so many plans this coming year 2012, first of all I want to get a Family Insurance. This is on top of my priority, I really need to have any insurance for my family. It's hard to always worry, we really need even a Cheap Life Insurance but I cannot find any. We can't afford the other Insurance Quotes I got from different companies. I really need a JOB to afford one. So I am wishing I could get my permit soon and get a job!

I also wanna earn for our vacation. my husband has been working so hard and I can feel how much he wanted to have a leisure time. He can afford it now coz all he is thinking right now is us - his family. He knows hot hard it is not have savings so he's trying to save some for our needs and not for leisure. How I really wish I could work now but I have no choice but to wait till the permit is there."

by: Mommy Jes

My First Mini Give Away

Dear Diary,

I wanted to have my own FACEBOOK FAN PAGE and in order to obtain that, I need 25 likers of my Fan Page. I asked somebody's help and I am so flattered for they acted so quickly.

I would like to thank all my first 25 likers.. I can't thank all of them enough so I am giving away $5 to one of my LUCKY LIKER!

Here are my first 25 likers:

Gagay Dinampo

Humprey Avila

Yami Torrecampo

Haze Holbrook

Ruby Ricafrente

Mitch Carvalho

Nora Aquino

Dorry Lyn

Cheerful Dimaculagan

Jesselyn Lising

Honney Marie NAtividad

Cecile Cinco

Crystal Cruz

Rc Gwenful

Elisa Quidlat

Mel Cole

Matsumo Chan

Che Ramos

Gessa MArie Bartolaba Condino

Chie Lopez

Sachith Lakshika

Caloy Lising

Yam

Momi Jes

And the LUCKY LIKER is.....(drum roll please)

CONGRATS YAM!! 

Please email mommy your paypal addy and she will take care it for me :)

Thanks again for all my LIKERS!!!

Hugs and Kisses,

Mommy's First SALES

Dear Diary,

My mom had her first SALE of her crochet beanie and scarf. Her blogger friend in US ordered two pairs of them. As her 'buena mano' she sold it for a minimal price compare to her original price.

Here are the scarf and beanie and some free bows for her first 2 Little Costumers

Pink with Purple Beanie and Scarf

Big Flower Beanie

Scarf and Shawl in One 

Created by : Mommy Jes

Model : Ishi

Purple with Pink Beanie and Scarf

Big Flower Beanie

Floral Scarf

Created by : Mommy Jes

Model : Ishi

Thanks for Purchasing my Mom's Creations Please visit HOBBYLOVEY.com for more designs!

She also has ANGRY BIRD Beanie!!! :)

Sharing this to:

Hugs and Kisses,

Bon Voyage My Friend

Dear Diary,

I have a friend here in Arkansas ever since we moved in here. She is Tanya a 5 year old girl like me. she's an American Citizen but her parents are Indian. Her dad is just like my dad, a temporary worker and same job as my dad just from a different company. Her parents are here for more than 7 years now that's why Tanya was born  and raised here and became my friend for more than 7 months.  It's sad coz I have to say goodbye to her this morning. Together with her family, they will going back to India for good. I am so sad my only friend in our neighborhood is now gone. I will miss her so much. I am hoping she could write me when she gets there and still be my friend even we are thousand miles away from each other. She's a nice friend and I love her. I will surely miss her.

Before she leave, Mommy made something I could give her as a souvenir - a Purple and Pink Crochet Beanie and Scarf. She loved it, hope she will always remember me.

Me modelling the Beanie and Scarf for Tanya

Hugs and kisses,

Mommy's Business

Dear Diary,

Mommy was so upset that she was denied with her USCIS Employment Authorization application. She waited for it since JULY and now she was denied. She thought she's gonna be having a job next month. She really wanted to earn now and help daddy with our expenses. Mommy is into blogging, that's her sideline while she's a stay at home mom, she also does balloon decorating but she doesn't have a client yet. She also making some bows and crochet stiffs. She is trying to sell in  online and hoping she got to learn good and effective Online Marketing so she can earn more. Mommy is so creative, she can do a lot of things but she has a limited time and she can't do everything by her self.  I wish mommy could start her online business and run it well while she's processing her employment authorization application for the second time around.

Hugs and kisses,

My First Taxi Experience

Dear Diary,

This month is a hectic month for me and my brother. There are lots of activities going on and  mom and dad feels like having a chaos. Yesterday we had our first literacy night from 4:30 in the afternoon till 6:30 in the evening. Daddy was not feeling well so he went home early  but he wasn't able to drive me to school coz first he still needs to work at home and 2nd he is really not feeling so well that day so mommy called a taxi. I was excited to ride a taxi! It's been 8 months since I rode a public vehicle. I miss the taxi, bus, train, pedicabs, tricycle and jeepneys in our country! There are plenty of public transportation available!  Look, my mom took a picture of me inside the taxi :D

Look at our bill for 20-30 mins ride to my school!!! 

My mom was like "OMG!" so costly!

Mommy was thinking of getting a bike and a trail like this one :)

Hugs and kisses,

Fall is Here

Dear Diary,

Fall has just started. This morning it was 28 degrees Fahrenheit! So cold! I am freezing! My mommy bought me and Ethan our winter jackets and gloves. She also made a scarf and a beanie for me and soon, she's gonna make one for Ethan too!

Daddy has winter clothes already he had is used last year. But mommy said he still needs to buy some men's winter coats and so does her. We have plenty of shopping to do. We cannot use only one winter jackets, at least two is enough.  I am so excited for the winter and I can't wait to play with snow with my winter outfit. I wish my cough and colds will get better soon, this will stop me from playing with the snow soon. 

I hope my body will be adjusted with the weather soon, I hate sniffing and coughing all the time.

Sharing this to :

Hugs and kisses,

I am TURNING 6!

Our princess Ishi turns 6

RUN, JUMP, BOUNCE....

whatever you need to do!

Ishi is turning

6

And all we need is You!

DATE:	November 12, 2011 2:00 PM
WHERE:	Jump!Zone Bentonville Best Party in Town 805 SE 22nd Street Bentonville, AR 72712 (479) 202-4476 Get Directions and Map
RSVP:	Please RSVP by Nov 05 Click here to RSVP your availability or contact me at 4792736678
HOST:	Jesselyn Lising e-mail: jganlising@yahoo.com

Hugs and kisses,

My Pink Beanie

Have you seen my Scarf I have joined last Pink Friday? Some of you said it was beautiful and my mom's ears were clapping so hard :))

Now she's so inspired of making a lot of designs. For now, let me share my PINK BEANIE.

Three ways to wear it!

Hope you like it guys!! :) Happy Fridays!

Mommy Made Me a Pink Scarf

Dear Diary,

Mommy made me a blue ribbon last week and now she made me a very nice and chic pink scarf!

I love it and I can't wait for the winter, I wanna wear it now and mommy let me wear it this morning to school. Look, isn't it so beautiful in me?

I am sharing this to

Hugs and kisses,

My Birthday is Coming Up!

I am going to attend a birthday party this Saturday. I was invited by my classmate Molly and her twin sister Taylor to celebrate their 6th birthday in a park. I am so excited! This is my first time to attend a classmate's birthday party. Mommy said she's excited too and she can't wait for that day.


y birthday is gonna be next month already. Mommy said my Lola Mama said she will be giving me money for my birthday so mom and dad decided to throw a party for me. I am so happy! I thought I am not gonna have one coz mom and dad was thinking of traveling on my birthday instead. The were already looking at HomeAway Holiday-Rentals for a place to go to. Mom was also busy with her cooking when travelling book looking for some  American recipe she could cook for us and bring during our travel. Good thing they change the plan! Now I can invite all of my friends and have fiun with them on my birthday! I am so thankful I have a granny like my Lola Mama!!! I can't wait till November 14th!!

New in Town

This guest post from Hong Alexander

Being new in town is fun and scary at the same time but boy can I tell you guys how much I’m loving this town! Ever since I graduated I’ve been looking forward to getting out of my college town and heading to somewhere with more character and New Orleans definitely fits the bill. I found this awesome little house when I got here and put an offer in right away and now I’m knee deep in yard work, kitchen remodeling and  Home Security New Orleans! I really like the independence I feel here and the food scene isn’t bad, either. There are a lot of people my age and fun things to do so I don’t think it will take long for me to feel really integrated in the community. I love my new home and unless something changes I can’t really see myself leaving here anytime soon! I know my parents in Kansas won’t be happy to hear that since they miss me but they can come visit anytime they like!

TRESemme Fresh Start Dry Shampoo

This is a Sponsored post written by me on behalf of TRESemmé for SocialSpark. All opinions are 100% mine.

When I turned three, I started telling mommy that I wanted a long hair like hers. I wanted  it long because I always love to wear hair clips and other hair accessories.  I noticed mom always having different styles of hair. She has originally straight hair but sometimes she like it curly or sometimes just pony tailed. 

Mommy said hair styling, excessive use of shampoo and conditioner is making her hair dry and frizzy so sometimes  she uses this hair spray to make her hair look beautiful all day and skip her shampoo day. Have you heard about TRESemmé Fresh Start Dry Shampoo? Mommy said this shampoo is making her hair beautiful and odorless. It is a normal shampoo that she uses in her hair when she bathing but this one doesn't need water. Here's a video on how to use the product ...

It was just easy to apply right? Mommy is putting this product of her hair very gently and just waiting for 2 minutes before she do her hair style.  I like watching mom when she's curlung her hair, when I grow up, I will be doing that hair do too! 

For more information about this product, I would like to recommend this video of JULIA ALISSON  and you may wanna like to have this kind of product too coz she sis giving away $500 giftcard to a target to a lucky reviewer!

Our Study Area

Dear Diary.

Can you still remember my PINK table that I shared here before? It arrived few weeks ago but mommy forgot to share it here. Here's my PINK Disney Princess Art Desk with Storage Organization
mommy bought me last month. 





I also wamma share my pink RUG for reading area. I love to read on the floor so mommy decided to make us a study area and reading area.

My brother and I love our newly arranged room!

Sharing this to

Hugs and kisses,

CellPhones for Kids

This is a Sponsored post written by me on behalf of Straight Talk for SocialSpark. All opinions are 100% mine.

Is there such a best phones for kids? What's the best age does a kid needs to use a phone? 

I am seeing some kids now using a phone, maybe some are for security or maybe just because the kids wants a phone of her own already. I, as a mom actually wants a phone already for my daughter but I am still thinking if it's okay for a 5 year old kid to hold a phone. First, it is dangerous for a 5 year old kid possessing a phone, there maybe some bad guys who would try to snatch it from her. 2nd, she can browse in the net without supervision and she might pick up some not so nice information in the web. In that, case, when is the best time for her to have a phone? I think she can have a phone even right now as long as I set some limitations and I chose the right phone for her age and as long as it's affordable since she's only gonna use to call me or Call a friend when needed.

 

 

There are so many companies offering variety of affordable monthly plans now a days, one is the Straight Talk. I've seen some you tube videos about satisfied costumers talking about Android on Straight Talk. Android phones are very popular especially for the teens. This is what the teens love, no Hook, line and sinker!  All they need is a phone that has mp3 on it, web, call and text unlimited! 

When my Ishi learn this stuff, I am sure she's gonna request for a phones like this soon!

My First Thomas Jefferson's Spirit Night

Last Thursday is my other 'First' memorable experience. We, the students of Thomas Jefferson were  scheduled  to have our dinner at Chic-Fil-A in celebration of Spirit Night. For each of us who dine at Chic-Fil-A, CHic-Fil-A will return a portion of the total money spent during the Spirit Night to our school Thomas Jefferson which will be supporting children with their school activities.A deliciously easy way  to assist the children who will benefit from the funds. Plus I got to enjoy the night with some of my classmates that was there also. We have lots of fun in the play area and I will never forget this event of my life.

Ian's sister, Abigail, Ian, Olivia, Me and my brother Ethan


Mommy took a picture of us before we go home.

Happy Pink Fridays!!!

Cinderella Prestige Costume For Halloween!

Look what I got here....a PRESTIGE CINDERELLA COSTUME from COSTUME SUPER CENTER! My mommy got a privilege to review my FAVORITE character costume and I am so HAPPY! Cinderella is  my favorite Disney princess character.I have this kind of costume before when I was three. I used it in Dad's office Halloween Party! And now, I will have this kind of costume again this coming Halloween! This costume is different from other Cinderella Costume  I had before. This one has a very high quality cloth and design and comfortable to wear. So I will not be having a problem wearing this all day till the party finish. I am so excited for Halloween! I can't wait for it!

 How about you? Are you ready for Halloween? You should be coz there are lots of costumes available now online with very low prizes! Costume Super Center is offering a lot of costumes and accessories that you will surely love. Mommy will be buying my glass slippers, crown and wand  next time!  Mommy also wants the BUMBLE BEE costume for my brother and I am sure she's gonna buy that coz it has very low prizes now! Everyone must hurry and get your favorite costumes now!

My mom and I were so excited! I am excited to wear it while mom is excited to take a picture of me. Great partners eh?