My Auto and Credit Motto

Black Friday - Really Black

2008-12-05T03:26:00.000-08:00

I'm really happy to have missed this year's Black Friday occasion, otherwise I might have been literally dead now. Those who were there shopping and those who were not but saw a shocking video of a trampled worker know what happened there. I promied mayself never to go there again. How can I trust people, maybe my neighbours and even my friends when they are like freaking anumals rushing for a TV or a new notebook?
So why should not I see that it's impossible to stop when there are 2 thousand of others like you behind your back pushing you into the door? Very simple. If more people do the same thing .. just stop at once like a wall, it's more likely the thronng would slow down. If there had only been a will to do it. It's true we are still like animals following our instincts. And we want to help other countries be like us. What a shame

The Big Three's Failure

2008-12-04T04:36:00.000-08:00

The CEO of the US leading auto manufacturers are asking Washington for a bailout of $34 billion to keep their business. Am I sorry? Not actually so. Let those "Gods" fail to let them live the life of the rest of us. I am not jealous, really. But if somethins is so awfully bad in their finances, then they are doing wrong business. They seem like they saved on quality of autos they've been foisting on American consumers all these years. Because they personally preferred driving a car to Washington from Detroit, not fly first or business class, would you believe. Most of us really believe, the big three have to go through bankruptcy so that somebody with better ideas pick up their business and make something better of it.

The Credit Crunch Effects

2008-11-19T03:36:00.000-08:00

It took me about 4 years to build up the credit I currently have. The good credit score opened up possibilities to grab best rates and rewards out there in the market. Now it seems like these days of easy credit are gone. Other people's debts force creditors to tighten qualifying standards and raise rates for creditworthy customers. I've recently tried to apply for discover open road card to save on gas but my score was rated as less than perfect. It's not funny at all as it reflects in my credit report hurting my rating even more. I don't see why responsible people should pay for others' mistakes but if we don't how will the country pay off its huge debts?

Economy Slowdawn? No - Deep Crisis

2008-10-17T04:18:00.000-07:00

US financial situation is getting worse and there is no sign it is going to come to its end soon. I've never seen so many unemployed people queueing up to the employment agency and i've never thought giant auto makers would ever stop manufacturing. With all this people are still relying on credit cards for their daily expenses. I'm not an exeption, but I do pay my bills in full. Will the crisis finish the era of plastic money or will it survive as a general access to financig? Most experts say, credit cards will only be available to limited few customers who guarantee revenues for the bank. Hard cash will rule things again. While my card's terms are not getting worse, I believe credit cards will continue providing us with quick access to money..

Find Credit Card Fast

2008-10-09T02:20:00.000-07:00

Some years ago we had to watch TV commercials and check our mail boxes in search of a credit card to pay for everyday needs. Today, with highly developed internet industry and all-round access to its services, you can find credit card that is tailored specially for your needs and lyfestyle with a few clicks on the mouse. I was surprised how much time it saves when you only need to match your personal data with requirements to be redirected to the list of cards potentially interesting for you.
The same is about the online approval, which may be instant once the bank consideres you a good risk. Thanks to special web sites, getting the right credit card became possible. My advice is - do not waste time, phoning or visiting a bank or waiting for a card offer in the mail box. Make your own choice by using the easy and quick online services provided by credit card websites.

Ford Autos. Why Overpay?

2008-09-23T02:26:00.000-07:00

Recently got interested in Ford vehicles - passenger cars, pickup trucks, minivans and sport utility vehicles. Though I took out a loan for a new auto, I found that 2-year-old models in good condition are just as reliable and can serve just as long. Just look through the web and you'll find numerous resources on Ford used vehicles that are constantly renewing the merchants' stocks with new arrivals. A vehicle chosen will be shipped to you anywhere in the States.
The thing is, you usually pay fortunes for a new auto, whereas a used car purchased at a reliable dealer can save your money while giving the same comfort and safety.
That's advice for savvy spenders. Keep to the motto of reasonable financal behavior and it will pay for itself.

A Traditional Auto Loan or a Lease?

2008-09-19T03:46:00.000-07:00

I've always been good at counting money but the lack of timely useful information leads to disappointing mistakes. I took out an auto loan for a new Ford Fusion as it attracted me with its improved automatic transmission and increased safety and stylish additions.
Was I doomed to paying back the loan for the next 36 months and overpaying hugely in interest? Was i doomed to having the depreciated car at the end and having to sell or trade it in? That's ridiculous, I wasn't! Had I used a car lease instead of this loan, I would now be saving hundreds of interest and divings towards a new vehicle. It's not a joke. It works just like this. A card lease happens when you rent the car for 3 or more years and then give it back to the leasing company, having paid only 50% of the price of the new auto plus the interest.
Well, may be you won't save very much but paying on a car loan you would definitely overpay. with a car lease, you not only pay back only half of the price, but you also will have your car changed for a new one. No hassle of having to sell or trade in a used car. You'll be able to change cars every 3 years!
Next time, there will be no question as to what type of car financing I should take out.

Dark Knight against Joker

2008-09-08T23:51:00.000-07:00

I've come across a list of comments on the recent movie The Dark Knight, the continuation of Batman Begins. People argue, I see. Whereas there is no point to argue over in fact. Joker is the character which had me go to the cinema twice after the première. Superb figure, unsurpassed performing...the lasting impression. What is Batman there for? Just to stress the Joker's splendour! No, i do not justify criminality and atrocity but it's just the huge talent of Heath Ledger that keeps me admiring his anti-social actions.
Aslo, some people who are long-standing comic admirers say the new batman is nothing against that Kitten and others and his costume is funny; some others were disappointed by the style expecting a comic-like fairy-tale... Hey, people... what time are we living in? Enough of vanishing into the air, enough of majic external combustion engins! What Nolan shows is reality and it is high time we know what real criminal and heroes can really be.

Should You Opt Out of a Credit Limit Increase?

2008-09-01T03:50:00.000-07:00

In continuation of financial issues, there's a very curious article on http://www.creditcardspecialist.com/High-Credit-Limits-3878019-page_80.php. and their importance. That reminds me of a story with my classemate back to college years when she, on graduation, was offerd a credit line increase. Assured tht she would never need that high credit limit, she opted out and then faced really hard times paying off her mortgage.
The article give sound advice on how to safely use high limit credit cards. I haven't been offered an increase yet, maybe because not much time has passes since my last late payment, but I'm looking forward to.

The Real Use of My Equity

2008-08-28T00:25:00.000-07:00

How do you pay off your mortgage? Following the strategy of "good" financial management? Made a great downpayment and now extra mortgage payments to minimize the borrowing? Do you know that the equity in your home is subject to the housing market changes and can turn out detrimental? Until I decided to become more literate on the subjet, i was more than just responsible with my mortgage payments.
However, financial experts say it's much wiser to maximize the tax-advantage mortgage debt. That's when you make a smaller downpayment and pay only interest on the mortgage loan, you can invest the funds intended for the principle retirement and so benefit much more from the equity.
I cannot say now if i'll risk doing it now. There are some credit cards by the way which would be better managed with some additional funds. But I stll don't know of many successful stories on the subject.

Smart Autos: Style or Safety

2008-08-24T07:16:00.000-07:00

I sold my Toyota last week by sending it to the online auction. It went off very quickly indeed. All I know is all the cars on the auction were traded overseas, they say Europeans love american autos.
As for me, I was near making a decision to travel to Spain to get there one of those smart cars so widely and passionately discussed today. I hear the smart fortwo achieved the highest ratings for its front and side crashworthiness. I was really happy to know that the smart dealership network is available in the US and one of the centers is quite near me.
However after such cool-looking auto as my Toyota, the smart fortwo seems a bit graceless so to say..
I m still thinking now... But its really safe...

A Few Thoughs on Finances Again

2008-08-19T00:45:00.001-07:00

If you have one of those frequent flyer cards, it's time to make sure it pays for itself. I hear of some recent changes introduced by American airlines aimed at toughening the rules of earning and redeeming miles. They make you spend harder to accumulate the reasonable number of miles. Also, there are not enough seats available to fly and you never know if you will get one. To be sure you'll benefit from a frequent flyer card, you need to spend twice as much as a greater amount of the miles give you some guarantee of a free flight.
I have a card with Delta but, I doubt now if this is the highest yielding rewards deal... If you have some thoughts to share on the topic, feel free to comment.

Dying from Vampire Bats?

2008-08-11T03:44:00.000-07:00

Remote villages in Venezuela are bloody spots today...At least 38 people died presumably from rabies coming from bites of vampire bats. Until today I would never have believed it could be possible. Well researcheres from the University of California are trying to confirm it.
Among the symptoms pointing to rabies are body pains, fever and, would you believe, an extreme fear of water! What do you think the reason for the outbreak of the vampire bats? Researches suspect it's environmental degradation like constuction projects, mining and logging...
People are a pretty easy meal if vampire bats are disturbed...

China - They Build Big

2008-07-23T04:29:00.000-07:00

What a wonder. I've seen lots of giant buildings, but what they perform in China fascinates! Not only the hight but the shape of their new buildings are just inconceivable...
Such is their business center with two towers bent against each other, reminding you of a huge triangle. It is constructed with earthquake protection technologies, allowing the whole building swing but not ruin during the earth tremor.
We build something like that here, but are our buidings so perfect?

Building Credit Anew

2008-06-11T00:16:00.000-07:00

I've never been faced with bankruptcy and this is a scaring word for me. But I know people who have had really hard times recovering their credit standing and good name after been affected. An-after-bankruptcy credit report is supposed to be impossible to clear in a short period of time.
Yes, there are all those credit repair agencies and credit building credit cards, the latter being less expensive and not that risky in fact. You can get yourself a plastic for bad credit rating, but it is still a credit card and the risk to accumulate another debt will always chase you.
I suggest a more secure alternative - a prepaid debit card issued by Visa and MasterCard, choose which you like most. It works like a regular credit card, it requires no PIN and there are some perks even.
The best thing about such cards is that you cannot ovespend and can have your payments reported to the national credit bureaus, which will help you rebuild your payment history faster and more easily than if you had a bad credit plastic.
It's time to choose, if your credit requires urgent treatment.

Auto Safety - Watch for the Stars

2008-05-29T03:56:00.000-07:00

It is depressing. Auto injury incidents make up more than 25% of all injury-related deaths in the world. Auto safty is brough into question in still a great number of countries and more drivers are killed in car crashes. In the USA car safty ratings have increased significantly since the introduction of the 5-star rating safety system. What does the system do? It evaluates the safety of driving a car by giving it stars. The safest auto get 5 stars rating.
This system does not only oblige car makers to work at polishing their products' safety performance, but it is also a a good driver of competition on the auto market.
I'm glad that I had my Toyota tested before i purchased it. I feel safe. What about you?

Can Plastic Be Enough?

2008-05-19T21:15:00.000-07:00

Citibank, Discover and Chase have been residents of my wallet for quite a time already and I haven't applied for a credit card recently. But, I seem to be unable to resist a new temptation.
The thing is I'm going overseas soon, but it is likely to somewhat distressing financially, as all my cards charge foreign currency exchange fees. Well, I never found it unfair, until I knew the Capital One is the only card issuer that exempts customers from this sort of charge.
Who wants to pay when there is a chance not to do it? I'm inclined to save whereever, whenever...
Now I think, will it hurt my credit standing if I venture applying for another plastic? On the other hand, I do not have overdue payments, my score is quite all right..
If I had only two or three cards, I would not hisitate to obtain a no fee card which above all, offers airline miles as rewards.

Fooling Credit Card Provider

2008-05-12T04:31:00.000-07:00

Yes, some of the best credit card offers come to you in the mail. This is the general opinion as these cards are mostly pre-approved, which means they are for good credit history and thus are offering some of the most competitive rates and enticing rewards.
I got such a card just yesterday and, oh, yes, it did offer bonus miles and great insurance programs. But one thing I did not like - the huge fees. So, I decided to opt out and I made the right choice!
Now, Folks, if you have not activated a new credit card and you do not like it, feel free to give it up, as it will not hurt your credit score!
Why? Because you have not established credit history with this very plastic, so you have nothing to erase...Opt out of it if you are not sure you can finance it. You will be safe.

ABA against the FRB...?

2008-05-05T01:05:00.000-07:00

Im breathlessly waiting for the result of the political battle between the financial kings - American Bankers Association and the Federal Reserve Board.The Board attempting to give more protections to customers and Bankers fighting to preserve their authority of dictating lending and credit card servicing rules to us.
In fact, though I've always had good credit, Ive not once suffered from the deceptive practices of the lenders. I've even been penalized for making ontime payments!
There's no speaking about sub-prime credit consumers, who use cards as their everyday financial support. They've been hurt in the most, actually. Say, what a nonsense! They give customers credit they cannot afford and then penalize them for failure to pay!
ABA should change their ways,I think.

Outside the Auto Racing Itself

2008-04-29T02:18:00.000-07:00

You know my passion for speed and auto racing. You cannot imagine my delight and happiness when I hear of the first woman ever to win an auto racing tournament!!!
Yes, it happened in Motegi, Japan, where the 26 year old woman, Danica Patrick , raced to victory in an Indy car race. Hard to believe but she left the lords of the male-dominated American sport behind!
In the interview Patrick shared her boundless happiness and confessed that only the spirit somewhere outside the racing helped her. she had found something she really loved and followed the call with full devotion.
Something outside the auto racing itself.. We all understand it but can we really experience the same with something we like doing..?

Good Behavior... Bad Credit?

2008-04-24T04:05:00.000-07:00

I jumped into my Toyota car yesterday to call on Sydney and check how she manages her neighbours. They moved! - she said - and she was ineffably happy about that until she discovered that her two credit card (amex and Discover one) majically disappeared!
Now i know why they moved. How the robbers did it is still a mystery to us but the reality is Sydney has to prove that the charges that have already on her credit report are not hers..
Her credit is spoild anyway... I would advise her to get a bad credit card then to bring things back on track gradually, but i still hope she will settle the matter with her creditors and her credit will not be that much spoiled...

Naughty Neighbours. Choosing a Line of Behavior

2008-04-22T03:30:00.000-07:00

Sydney has finally moved from her parents to her own apartment but circumstances forced her to settle down in a block of flats with a dismal atmosphere, at least so they seemed to me when I called on her the other day.
My strange feeling of the ill-being of the building was not unfounded, however...
Sydney met me in deep depression and told me she had not slept two nights because of her neighbours! The spanish speaking mob living next door found it amusing banging on the adjoining door and threatening the poor, defenceless young woman...
Poor Sydney...Black shadows under her eyes were the expressive sign of her exhaustion...
The most terrible thing is that her calls to police did not change anything as she could not provide evidence...
what should Sydney do? Should she put up with it or carry the ball?

Mutants - half-humans, half-plants

2008-04-17T03:44:00.000-07:00

According to geneticists, mutations change the set of chromosomes. This way, people with mutations can be a strange mixture of humans and for example plants. One day, the girl named Narine pricked herself ona cactus when watering plants. Some thorns got stuck in her arm.
Probably, no one would haver never known the name of this girl until thorns emerged on her skin right from the wound on her wrist. Though physicians removed thorns, they turned up again on the same spot. I was appalled when I heard this story about 18-yeard old girl. It's really shocking but I believe this one of those nature metamorphosis people cannot grasp now.

A Good Credit Start

2008-04-08T01:32:00.000-07:00

Just yesterday i got to know that Citibank, whose credit card rests in my wallet together with some of Chase and Discover cards, is announcing about its reogranization and a well worked out plan of pulling up its balance sheet.
Just at the point when i thought of closing my account with the bank, it gives a new hope of a flourishing financial future.
I think that in a couple of years they will provide a really good service and if you are new yet to credit cards and want to establish payment history, you may think of getting a no credit credit card with quite agreeable terms or at least believed so, with Citibank.
It seems to me that if Citi holds on polishing their services, we will restore our trust and and wish to manage our finances with them in the nearest future.
Let's see...

DOOMSDAY - Don't Watch Without an Antivirus

2008-03-30T23:31:00.000-07:00

Britain has proved to be on equal footing with Hollywood in film-making. Shaking by its bloody scenes, impressing by its message and pleasing by the perfect play of the actors, Britan's Doomsday has firmly occupied place 2 for me after the Ring.
Its interesting that the film's message is by far more frightening than the hair-raising blood and violence show, where every sickening detail is given so realistically that your hands automatically cover your eyes.
Un unknown pandemic disease affect first Britain and then boardening countries. The government decides to enclose the infected population and leave them die there. But as it appeared later, an immunodefence saved hundreds and they established a new state - a state of the dark days, without order, moral, trust and compassion.
Only violance, where people eat each other just because they faild to catch another hare, bird, dog or rat..
the killing thing in the film is that the disease comes back to the healthy and flourishing part of the country and there is still no antivirus found. So, someone has to be crazy enough to set out to the place of the first outbreak and find and how the virus died out...

Learn a Lesson

2008-03-24T03:04:00.000-07:00

Dear Nikie...
A credit card with a limit that would allow you to buy a new car is generally only approved for good or excellent credit cardholders. You just need to feel the difference. a credit card that is meant to support your living (everyday small things) and a plastic that is used primarily for the sake of rewards are completely different things. The second type will never be issued to people who do not have enough income to repay it. Especially when it concerns such a serious and valuable purchase as a new auto.
Work at your credit score and rating first, and maybe in a while you will qualify for a good credit card deal.
Good luck

Advice for My Friend

2008-03-18T22:11:00.000-07:00

I took out a car loan to purchase my Toyota, although I was able to use my rewards card to do that. A traditional loan has always been more secure and less expensive to repay.
However, as my colleague and friend Marta is about to obtain an auto (a Jaguar) and is looking for a most convenient way to pay, my advice for today is: get yourself a credit card to purchase a car (read the article for the standpoint).
Why a plastic? Because Marta is well off enough to repay the debt on her credit card. I advise she uses the card not because she lacks cash to purchase the auto but because she is looking to earning rewards.
A very interesting approach. Some buyers are repoted to really be a success. Will you try?

Tired of Noisy and Crowded European Resorts

2008-03-12T23:13:00.000-07:00

Ive been to some of the best holiday resorts in Europe, especially I preferred Spain. This year, my rout is gonna be the same - I adore Spain, but being so tired of all the noisy and crowded beaches where you don't really get refreshed like you would visiting your grandparents on their farm if you are happy to have them.
So, now Spain is still my destination but this time a most remout and quiet place is what i'm looking for. Altea seem to be just perfect! staying away from crowds of tourists, Altea is one of the few least developed and exploited places In spain where you can have rest for body and soul. No traffic or huge hotels yet built and you feel like on a different planet, in perfect bliss.
If you are going on a holiday resort and expect the best of it, go to Altea and see you made the right choice.

Visa Credit Rewards Programs

2008-02-27T23:19:00.000-08:00

I've learnt about the splendid rewards programs available on VISA CARDS. The most enticing for me was the points reward program for entertainment on MTV rewards card. Just imagine what you get for simply dining at your favorite restaurant, buyin at a book store or records store! You earn generous discounts on MTV events, movie tickets and flights!
I would be happy to have such a plastic and I would certainly make it top of my wallet. But too many applications in short time can hurt. I'll wait...

Staffer or Freelance?

2008-02-21T01:35:00.000-08:00

I came to hate being a staffer. All this monotonous work at the appointed time, without the possibility of relaxing in front of a TV with a plateful of sweet fresh cookies, or nestling on the sofa when you're tired.
Freelancing might be a smart solution. You earn money without leaving your cosy home and you do it in most comfortable conditions. I am at a loss, however, i think it's risky to leave your permament job, the more so because i enjoy lots of benefits and privileges there. I even have our company's credit card.
On the other hand, I take stress too often there.
Hey, people, who can say for sure, what's better - working for yourself but without a perspective of promotion or having a permament promising post but undergo frequent stress for that?

Credit Damaged Losses

2008-02-13T03:58:00.000-08:00

I cannot believe that, being a by nature a responsible credit consumer, i've missed a payment on my car loan 2 times! Is my credit history hopelessly damaged? I do not actually know which is worse - to miss a car loan payment or a credit card bill.
Happily, my credit card bills are in good standing so far. I refuse to believe that my personal temporary problems will not lead to credit damage losses. I've read about such losses that happen as a result of independent circumstances like job loss, ilness and others.
they can compensate for them, which i strongly doubt however...

SEO

2008-02-07T00:32:00.000-08:00

I've been on the internet for a long time already, and untill recently it was mostly for the searching purposes. Then I knew about a blog as a tool to share one's thoughts and a means of communication between other internet users.
It didn't occur to me that, running the blog, I am involved in a curious activity -
Search Engine Optimization...
I won't go into details as this topic is impossible to cover in a number of sentences but if you want to know about how you can make money on the internet, i advise you read about SEO.
Be rady for a sea of information.

A Visit to a Dentist

2008-01-30T02:37:00.000-08:00

Have you ever been to a dentist? If yes, you will probably understand me. I had a regular visit yesterday but it turned to be just hell. A snow-white and seemingly healthy tooth gave me intolerable pain. On dissecting it, the doc detected chronic pulpitis...
Drilling the tooth made me faint as even 5 pricks with anesthetization did not give me relief. To make things worse it started bleeding and the doc couldn't stop it for long.
I'm having a temporary stopping for now... and i dread going there next time.
Be very careful with your teeth. Do not be mistake with the whitneess of your teeth. Go to the dentist every 6 months to be sure it all is going just right.

Why Close Your Account?

2008-01-24T04:08:00.000-08:00

I'm thinking of cancelling deal on my Citibank credit card. I've already heard a lot of troubled talk about the horrible concequences of the mortgage and credit card crisis where credit consumer will be hurt the most.
The news on the financial crisis USA is facing at the moment added more suspicion as to the favorable outcome of the deal with Citigroup.
They are planning to hike the rates and fees and tighten credit and it's not what i particularly want to see...
Credit card holders should think how they could possibly protect themselves.

Car Repair Issue

2008-01-23T02:47:00.000-08:00

I punctured the tire of my Toyota when driving to a business meeting today. Thanks to the car insurance I bought Ill have no trouble getting a new one, the dealership will do a good job and treat me fairly, no doubt. But that's quite an annoying affair when you have to think of auto repair at a business...

Evening at Home

2008-01-14T03:35:00.000-08:00

Yesterday I had a wonderful quiet evening at home. No hurry anywhere, no obligations. Just me and by boy friend. There was nothing particular or important to do, so we spent time watching one of our favorite film, though a very old one - The Lord of the Rings. I can't convey the feeling I had again seeing my favorite characters and the breathtaking scenes of battle between the good and the evil. It is a nice, kind fairy tale enjoyed both by children and adults and i do not believe it will ever have a twilight of its popularity.

Save Time Shopping?

2008-01-03T07:09:00.000-08:00

My sister Wendy has been encouraging me to save time and effort when making everyday shopping. I fact it's me who does almost all the shopping for the house and personal needs as well (my husband just hates croweded stores, especially gas stations)and to honestly speaking its starting to get at me, too.
So Wendy suggests I go to online retailers, all of which accept credit cards as payment method. I've never before thought about using my plastic for paying online out of security concerns, but wendy taught me some useful tips how to protect yourself from possible criminals trying to steal your social security or credit card number for fraudulent purposes.
So, before you enter your credit card number or other personal and financial information, make sure the web address of the retailer begins with https and there is a locked padlock at the bottom right of the screen.
The quality of the product you choose and the efficiency of the retailer's service shouldn't be left aside either but the security of your personal and credit information is the first concer.
Dropping the issue of your security and your purchase's quality, convenience and quickness are the guarantee.

A Special Tree

2007-12-25T01:19:00.000-08:00

Well yes, we bought a Christmas tree and it's standing right in the middle of our living room laden with gifts already and sparkling with Christmas decorations. I have always associated this holiday with Christmas tree and it is only now that I feel this majic holiday standing at the door.
I do believe that the celebration will be unforgettable and we'll have a really nice time with all our relatives and friends many of whom we haven't seen for a year.
Christmas is the time for all of us to get together to express love and kindness, to forgive, if necessary, and make plans for the future.
Best wishes to you this Christmas! Be happy!

Gift Card for My Sister

2007-12-19T20:58:00.000-08:00

When Christmas comes, it is always a headache for me to choose presents. Some time ago, I used to give money if there was nothing else on my mind, but let's face it - cash as a present looks stupid.Now i don't have to bother my head thinking about a present. I still however, can present money, but now in the form of a gift card.
A gift card looks like a regular credit card but it is pre-paid. Thus, I simply buy it from my credit company, or which is even simplier - redeem rewards points for a gift card.
A gift card is a perfect choice for holidays, birthdays and weddings. It is of course safer than cash and is accepted at million places, especially if it is Visa.
I think I'll please Wendy with this present just well.

A Little Beauty

2007-12-11T03:45:00.000-08:00

I was at my friend's yestrday. Jess had offered to show me how to make pilau and i watched her sipping Martini...A quiet evening, with soft music and tasty food.
But for one thing...She has a kitten and it is a little pretty. But it is impossible to stay still with it. It clambers up your jeans, it scratches your palms and it cracks the buttons on your blouse!
Asya - that's what they call this little ungovernable beauty....
I think I just adore her...Why couldn't these little creatures remain little and joyous forever?

Christmas Craze for Shopping

2007-12-04T01:28:00.000-08:00

I cant keep on waiting! Christmas is closer with each day and, just like in childhood, I'm looking for something special to happen. No, I'm not expecting a miracle, i'm too realistic for that already but some pretty keepsake would just be wonderful!
I know I'll have to carry heavy expenses to gladden all my relatives and fiends with christmas gifts and this holiday shopping craze is unavoidabe. We have to admit that and ve ready to become something poorer each Christmas.
I certainly plan to put some purchases on one of my best, low interest credit cards, and i do hope it will also bring me some benefits apart from expenses.

Funding Christmas with a Credit Card?

2007-11-28T02:15:00.000-08:00

Christmas is not far off and the need for extra money to gladden our relatives and friends with holiday gifts is more urgent than ever. I'm especially pressed for money now as i'm still in debt to a credit company with my car loan.
The Chase credit card I have now won't help much i think, as I use it mostly to buy gas and earn rewards.
So, i'm at a loss as to where i get money... I know i got to have another plastic because there's not enough cash. I know I need to apply for best credit card in terms of cash back and interest so that the deal will give me benefits and not debt when the holiday excitement is gone.
A rather difficult task, isn't it? And who says that life is easy. Lrt's admit it that any holiday is the time not only for joy but big expenditures also.

Need for Speed

2007-11-14T22:30:00.000-08:00

I enjoy driving my car but sometimes i feel I'm underusing it. Reaching a destinaton is just a practical side of the matter. What about the real joy, however? Speed, wild speed, is what i want to experience. Unfortunately, I cannot legally realize my craze and what's left for me is to watch auto racing on TV or a real show. Watching Johnson's performance has made me his devoted fan and a true lover of car racings. That's the way I should drive my Toyota, I thought (if it's possible from the point of its capacity, however)...

A Final Resort

2007-11-08T02:11:00.000-08:00

As I've recently started using credit cards all the relevant information is of great concern to me. Just yesterday I found out that bankruptcy, which is the last resort for debtors to get relif from unmanageable credit card debt, is very actively misused.

To be more exact, debtors, who actually can affrod repaying the debt, try to go under Chapter 7 of the Bankruptcy Code instead of Chapter 13 where they would have to undergo a 3 to 5 year repayment plan. Under Chapter 7 they save their exempt property and do not repay any debt!

Is it really legal or should this be prohibited?

How are the cost covered for credit companies? At the expense of lower income families?

Long-term Loan Buyer..Is It a Good Idea?

2007-10-30T21:24:00.000-07:00

Lots of new car buyers prefer to pay off their loan in two or three years instead of the more usual 5. Well, but it's a new tendency among more disciplined and practical customers to pay the car loan off earlier. Why? Market researches say thet in this way, customers will have paid off their car before they decide to resell it. And people do resale. Besides, such customers do have the money to make larger monthly payments.
Well, I took out a 5-year loan on my Toyota and I even thought that maybe I would extend the payment period. Thus, I will pay considerably less every month but will have much more months to go. In the end I will repay a larger amount.
Tha's where the problem lies. They say that a longer term loan is good for buyers expecting to drive their vehichle for quite a long time - much more than just 6 years - or for cars that don't lose their value. Because otherwise the whole deal would be a failure.
I couldn't say that my Toyota is something exclusive, the car for live. I definitely plan to resell it in maybe 3 or 4 years. It happens the loan will outlive the car?
Did I miscalculate? I got insomnia with the question.

Saving on Car with My New Credit Card

2007-10-23T02:48:00.000-07:00

It's been more than a month that I've been riding my Toyota. I must admit the gas prices frustrated me, so I thought unless I find a better or additional way to pay for expenses - no chances the summer vacation in Europe.

So, what do you think? A credit card, which has always come to my mind as the last resort to pay for things, saved me! My syster's husband, an old-time driver, suggested I get
Chase PerfectCard MasterCard and it really is a winning deal!

Using this credit card whenever, wherever I go and getting 6% cash rebates on each gas purchase, I seem to have saved quite a sum for my vacations...

Wendy didn't miscalculate choosing a husband I think... *lol*

The Bad Accident

2007-09-09T09:15:00.000-07:00

It's only now that I found enough strengh in myself to drop a line. Last week I had,I guess, one of the most horrible days in all my life. I had a misfortune to watch a really hair-raising car accident involving a 2004 release of Dodge Neon colliding with a Honda, don't know what make of...

The driver in the Dodge died... No airbags helped - they were merely impossible to deploy. To be honest, I think the guy was lucky not to feel the awful pain and pass away on the spot.

The bad intersection with no light did its part.

No one's fault here. And it just terrifies me to think that I can not return home one day when driving to work or just for a fun.

One's Happiest Day in Life

2007-08-27T09:43:00.001-07:00

The following piece is not gonna be anyhow connected with the basic topic of my blog. It's just a completely different matter - my sister got married two days ago... The wedding was just posh and miraculous. My sister Wendy was the most beautiful woman at the moment with her face expressing the biggest happiness in life. The beautiful, white, sparkling dress, a lovely hair-do and the eyes full of happy tears - she's been waiting for this moment for so long...

Parents, no less happy, but worrying a bit too, as they have never believed her boy-friend Jim was her best match (ha ha).

Well, I do hope he will make her life complete and rounded. He is a good guy after all, what's more, he loves my Toyota (didn't want to mention my greatest interest in life whatsoever, but just couldn't restrain from doing it...)

Toyota Car USA - Truly National

2007-08-19T06:14:00.000-07:00

I got one more proof that my choice for Toyota has not gone unjustified. A log-time car compare took me to this particularly brand and now I see that I've made a good investment. What kind of investment would you ask me? Well, no doubt I brought revenues to Toyota Motor Corporation, but it's not only the financial aspect in its first sense.
I also, so to say, conrtibuted to the further developement and flourishment of the company that goes truly national in the light of the latest events. I'll explain. Maybe you know it that lots of US car makers are closing up their plants and are shifting to Asia to make promising investments. Except Toyota! It has stayed in California, continuing to give work to its citizens and make investments in its native country!
But, that's not all. The company is also leaping into such a remote and low-educated area as Tupelo, Mississippi...Toyota hasn't scared the insufficient level of education and, as they say,low quality of healthcare service. The area seems to be lagging if not abandoned...
However, Toyota is making the investment and believes in a light future of its new plant there. It plans on bringing there high paying and stable jobs with health benefits and other security.
As compared to other US-based car companies, Toyota Motor Corporation doesn't look a traitor.
What do you think?

The lower the risk - the cheaper the insurance

2007-08-12T06:58:00.000-07:00

Car insurance in my pocket, I can drive the new Toyota into my garage. How much excitement and worry at the same time... I can't call myself a perfect driver yet but I got many miles to train before me...
I'm glad that i managed to get a cheaper car insurance than I expected. They said if I'm not going to cover more miles than I generally need, why should i pay for the insurance more?
Then, the garage is a perfect thing as now I can admit. Did you know that parking your car in a locked garage will generally reduce the insurance cost? You see, the car theft risk is minimized in this case. I don't envy those car owners who don't have a garage. The risk of vandalism, theft or accidential damage is much higher, so is the cost of the insurance.

Looking to Buy a Car

2007-08-06T06:14:00.000-07:00

Oh, I can't believe I'm back at last. Never thought I would finish with all those endless formalities on getting a loan for my first Toyota car, which I've been cherishing in my dreams for quite a long time now. I caught myself thinking however: am I too wordy about autos? Probably i am but this has been my passion recently and classic cars, sports cars as well as concept cars have occupied a far greater part of my interest as compared to other things like movies, sports or music. At the time I'm still too much busy with my auto purchase and the new car isn't in my garage yet but when I'm done with it, I'll present my new Toyota in all colors and you're sure to like it!

Tomorrow

2007-08-03T23:40:00.000-07:00

It seems to me I've identified myself right...no-way-walker, walker to nowhere...Sounds horrifying, doesn't it? Ha ha. You needn't be afraid, my trouble is I don't know what to get involved with after work...Today I've been bored... No ideas at my mind, no goals persued but tomorrow is a different thing. Just can't wait for tomorrow to come. I plan to learn cooking with my friend and I hope to get approved for an auto loan. Yes, a sparkling new car is exactly what I need to do away with boredom.Life is getting speed, just like a smooth hybrid car. No waiting for today's past...Welcome tomorrow's future. I like how I call myself though...

Destination Unknown

2007-08-03T23:38:00.000-07:00

Yes, here I am. I'm not quite clear yet as to what this piece of "I don't know what" will be about but the first step is done. Hope you'll follow me all the way long on my path to...I'll define it later.I can only promis you - you won't be bored...