Top Five Myths Bankruptcy - #1

As consumer debt has skyrocketed to over $3 Trillion, many believe the only way out from under the mountain of bills is to declare bankruptcy. But is it right for you? Many myths persist to misinform the public.

“Probably the worst myth about bankruptcy is that you need to be flat broke before you should file,” says Sacramento bankruptcy attorney Gerald B. Glazer. “It is not good to wait until creditors are knocking on your door,” according to Glazer. Planning can prepare you for a bankruptcy that causes the least amount of financial disruption.

Gadgets at Wholesale Prices

Nowadays, I usually hear most of the younger generation talk about their iPods, iPod Touch or wanting to own the latest iPhone 3g 16gb because it is so cool and neat. Or for the gaming consoles, you hear them comparing an Xbox 360, Wii, or PS3 and trying to debate on which one is better.

When you look at these items for sale, they are not cheap at all. So you wonder where and how can these younger generation afford such things. Being the practical shopper that I am, I will try to look for a supplier who can offer iPhones wholesale at wholesale prices so that I can get a nice discount. MemberSupply.com offers the latest gadgets at wholesale prices. Who knows with a great deal like this, I could even make some money out of it by becoming a distributor of iPhones at wholesale prices.

I mean why should I spend my hard-earned money on something who’s value will go down in a month or two since a newer and better model will be coming out. These days, it is best to try to get things at wholesale if you can even with gadgets.

As they say, a little penny saved today will go a long, long way one day.

Work At Home Jobs

I am sure all or most of us would like to be able to work comfortably at the comfort of our own homes. I know I do.

I am such a research-type of person and came across two useful and informative sites that I wanted to share with all of you. These are two Work At Home Job Listing Sites: Work At Home Mom Revolution and Mommy Works Online.

Actually to make it all the more convenient for you and me, I have installed the widgets here on my page. If you scroll down my homepage, it is located at the bottom and looks like this. (Please view the screenshot.)


The nice thing about the widgets is that it is always updated with new work at home job postings. You just click on the job listing that you are interested in. It will open the page with the details of the job you want to see and how to apply for it. It's that simple. The best part is it's all FREE!

Good luck everyone!! Hope you find a work at home job that you like!

Happy WAHM (work at home for money) Hunting!!! =)

My Disclosure Policy

This policy is valid from 26 January 2009


This blog is a personal blog written and edited by me. For questions about this blog, please contact kriscalcantara at yahoo dot com.

This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of this blog receives compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers' own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

This blog does not contain any content which might present a conflict of interest.


To get your own policy, go to http://www.disclosurepolicy.org

All in One Companion

I got my "new" toy exactly a week ago - an HP iPAQ HW6965 PDA Phone.

Personally, it has all the things I need for a mobile phone since it is also a PDA (Personal Digital Assistant) or PPC (Pocket Personal Computer). I am not really into the multimedia features such as radio, 3G and using my phone as a digital camera.

Here are some of the specifications I liked about the HP iPAQ 6965: It is Quadband. It has WIFI, Built in GPS Receiver, Bluetooth and Infrared Port. You can input information via the 240x240 pixels touchscreen or thru its QWERTY keyboard. It supports mini sd memory cards and has all the organizing features that I need.

But most of all, I liked HP iPAQ HW6965 because it is equipped with the latest version of Windows Mobile 5.0 including all its standard features such as Mobile Office Word Mobile, Excel Mobile and PowerPoint Mobile. I know you are probably thinking that it already sounds like I am lugging a computer around. It's possible since the phone runs on Intel PXA270 processor 416 MHz. Isn't that so cool? Which means I can always work on the go, and synchronizing it with my pc or laptop will be no hassle at all.

I know I am sounding a little techie right now even if I keep convincing myself that I'm not. But who can resist a gadget that suits all my needs. My perfect companion for business and pleasure - HP iPAQ HW6965.

I am a WAHM

I never though that it would actually be fulfilling and satisfying to be a WAHM (Work At Home Mom). I did not even know that there was such a word or should I say acronym. When I first heard it, flashbacks of the popular ‘80s pop band that George Michael belonged to who sang “Wake Me Up Before You Go Go” came to mind but I soon realized that it was spelled differently – WHAM. Hehe =)

After doing some research online (thanks to Wikipedia and Google Search) and reading articles about it, I have come to my own understanding of the word. WAHM describes a new generation of mothers who are striking a balance between family life, parenting and earning a living all in the comfort of their home.

This new title or should I say concept is not very popular yet in the Philippine society who is accustomed to the mentality of branding. To a majority of the Filipinos, your career success as an individual is based on the company that you work for (how popular and how big is it in the business sector), the job title that you get with it (the flashier sounding, the better) and where your office is located.

Even though the amount of salary may matter to most, it may not weigh as much in value as the previous items mentioned not to include the other perks and benefits of the job such as travel, company car or free gym membership etc. This ideal may work for the fresh graduates who are still hungry to prove themselves to their parents and the world as well as wanting to have their chance to be part of the highly competitive corporate world. But it is no longer true for the individuals who have been part of the “rat race” and want something different.

I guess you can say that this is what happened to me. Though it definitely was not an overnight decision. But one thing was for sure ever since I started working at home I did not want to leave the house again. Why should I? I was "Home Sweet Home."