Reading good articles

Oh, I just love what I am reading right now. These are self-help articles towards having peace of mind and developing good habits that will lead me to being a better me, (I hope). Anyways, things are just simple and I hope to apply these in my daily life. No one can do these things except me and there is no harm in trying these. I know I can do these things.

5 Financial Moves That Can Get You Into Debt

Many times, we think of wrong solutions to resolve  our financial problems and it is not because they are bad ideas at all,  such as shopping around for payday loans as an example, but wrong from  the approach that we forget to take into account other factors that may  lead us to getting into debt. If you are about to make a financial  decision aimed to resolve your money problems, keep in mind the  following situations that could reflect a wrong move that you are still  on time to avoid.

Keep an Eye on Your Credit Cards

Credit cards are one of the most practical financial instruments that  you can use to manage your finances, but also those that you should  handle with care. The credit limit assigned to your credit cards is not  extra money that you can use indiscriminately, but borrowed money that  you will have to repay. However, your credit cards can get you into debt  if you do not repay them timely, as the charge for the default payment  is even higher than the interest rate that your credit issuer has set.

Payday Loans May Turn Into a Debt Trap

Although, payday loans have been designed to bridge the gap between  paydays, they may get you into debt in no time. It is easy to apply for a  payday loan and the application process is truly fast because they do  not rely on a credit history check but in your next paycheck. Failure to  repay payday loans timely increases your debt, as these short terms loans, like small, are the financial product with the highest interest rate.

Spending Money with No Sense

Opposed to payday loans, you may wait until the payday to get your  paycheck, but equally you can get into debt if you do you have the habit  to create a budget and simply spend your money as you please, without  even saving some for an emergency or unexpected expense. When you do  this, spending your money as it comes, you may find yourself needing to  borrow money and applying for credits that you might not be able to  repay.

Debt Consolidation is Not Always the Right Solution

When you are aware that you are already at risk to falling into debt   that you may not be able repay, the solutions seems to come from the  hand of debt consolidation. Despite this is a good financial move to pay  back the money you owe, it is not really when you keep in mind that  consolidating your debt means you put all the money that you have  borrowed into a single account for a single monthly payment that could  be too high to be pay it timely.

Do Not Play With Your Patrimony

When payday loans or any other of the above money solutions are not  on your mind, you might think of borrowing money from your valuables,  your car, or your home, which is not only a wrong financial move that  may get you into debt, but a way to lose your patrimony and the  tranquility of your family.

For a good heart

“A person’s heart is like a field; if no good seeds are sown, nothing good will grow.” I do not know who the author of this saying is but this is true. If a person will not have good things in her heart, then, definitely she will not grow to be a good one. In order to be good, to have good things in life, and to grow maturely good, she needs to put good things in her heart so that it will be visible in her life.

Hardwood Flooring

I do love hardwood flooring more than any other types of flooring. This is what my parents use in their home. I do love cleaning this type of flooring. It is easy to clean up and only requires floor polish to maintain its shine. When I am with my parents, I always do clean the floor every day. I would see to it that it is dust free and it is always shiny. I always hear some jokes that the flies will slide upon landing on the floor because I am so particular with cleanliness. Fortunately, having a clean place forever comforts me. I would feel better if the place that I am living is clean, well arrange, and dust free.

With the house of my own family right now, if I can just replace the flooring, I would surely choose the finest brands in hardwood flooring. I think using this would give everyone else a little savings. With carpeted floor, I find it hard to clean since I need to have a good vacuum in which right now I need to buy a new one. Another thing is that the shampoo and the shampooer would cost a lot. If I can upgrade my family’s house flooring, I would rather choose hardwood.

Give a hug and comfort someone today

I love this sayings “A silent hug means a thousand words to the unhappy heart.” This is true. Sometimes, all we need is a little hug to make us feel better. Even if there is no words, for as long as someone is hugging us for few minutes, that will make wonder for us. Now, have you tried hugging someone today? give a hug and you will receive one!

When is it Time to Retire?

We spend the majority of our lives working to provide for ourselves and our families. Day in and day out, we go to work and put in our time. We go through good times and bad times at work, but after a while, it becomes almost all we know. We delay early retirement sometimes, but when is it exactly time to retire?

When you spend most of your life working, the idea  of walking away and relaxing in a lounge chair for good can be difficult  to wrap your mind around. But the truth is that you probably don’t want  to work forever. You want to be able to retire at some point so you can  spend time with the family, pursue other passions, and finally enjoy  all the fruits of your labor.

But how can you know when it’s actually time to  retire? If you walk away too soon, you might find yourself unable to get  back into the workforce should you have the itch to start working again  or if you find yourself in a financial bind.

Timing is everything with retirement. Here are 5 ways you can tell it’s really the right time to retire.

  1. You’re set financially—When  you retire, you’ll need to have enough money to be able to live  comfortably throughout your retirement years. If you’ve done a good job  of planning and saving for retirement, you should already have a good  idea of how much money you’ll need to maintain a good standard of living  as a retiree. Many banks and financial institutions offer retirement  calculators to help you better understand just how much you’ll need if  you want to retire with a sound financial foundation.
  2. You’re ready to walk away for good—Retiring  isn’t all about having enough money. Some people have plenty of money  saved up for retirement, but they just aren’t ready to stop working. If  you’re not really sure you’re ready to retire, you might regret the  decision to do so later on. Make sure you really are ready to give up  your work life before you make that jump.
  3. Your health is on the decline—If  you’re still a very healthy individual nearing retirement age, you may  be able to work a few more years without it cutting into your life as a  happy retiree. However, if your health is on the decline and you have  things you want to do after retirement, delaying your retirement could  foil those plans. Consider your health and life expectancy seriously so  you know the right time to retire.
  4. Your spouse wants it—If  you’re in a financially stable position and you’re contemplating  retirement, it’s important to speak to your spouse about it. You want to  be on the same page. If your spouse is pulling for you to retire, it  might be time to make the decision. You’re a team, and it’s important to  enter retirement as a strong team.
  5. You have plans—What  are you going to do after you stop working? If you don’t have any real  plans, you might not be ready to retire. But if you have something you  want to do—like travel, get involved in charity, pursue a hobby, or just  spend more time with the family—you’re likelier to enjoy your time as a  retiree.

Retiring isn’t an easy decision for many people.  But if you’re considering it and you see any of these signs, it might be  time to ride off into the sunset.

Cross stitching

Right now, I want to go back to my first love form of art – the cross-stitching. I can remember that my last finished cross-stitch was year 2004. I gave it to my husband because he is my earth angel in an earth angel and that was followed by a black and white image of a girl and then six horses, two bears on a chair. I did not finish the last one I made because I was so busy already. This year, I want to make cross-stitches again.

Brand, style, and comfort

There are many who are brand conscious when it comes to clothing, accessories, and footwear. I cannot blame them because branded things will last longer and it will give comfort. Not to mention, it will give pride to those who will wear it. It may cost a little bit higher but then in the end, it will give savings because of its durability.

When it comes to shoes and footwear, my choice would be comfort shoes for women. Yes, I want to have branded footwear but first I need to test if it is comfortable for my everyday use. For what will be the use if I have the most expensive shoes but it will not be comfortable, I would waste my money if that will be the case. Another thing is that I need it to be leather made. I believe the leather footwear will give me class and it will last longer. Leather will also give me comfort and all. Therefore, the next time that I will purchase my footwear, I want to buy the most comfortable one. If I can do this, then it will be my first time of buying the footwear brand that I love most.

Be positive

“Everything around us is made of energy. To attract positive things in your life, start by giving off positive energy.” This saying I read in FB and I did not know who is the author of this. But this is really true. Like me, if I am so negative, my life will also be negative. Sometimes I am having a hard time giving off positive attitude especially when I am stressed out and loaded with things that I need to do. Despite of that, my life is more on positive things that is why I am still alive right now.

Smart Natural Gas Drilling Solutions from the Quality Mat Company

Unless you’re living under a rock, you’ve probably heard about natural gas drilling that’s happening in areas such as the Bakken Shale region. Many companies who are drilling for natural gas are using rocks and gravel to access the drill sites, but the smartest companies are using rig mats. Rocks are costly and can destroy the land, while a rig mat will protect the ground underneath and can be reused over and over again.

A rig mat is a reusable pine wood mat that is encased in steel. On average, these innovative ground protection mats last approximately 10 years, but have be known to last up to 15 or 20 years. When you choose rig mats from the Quality Mat Company you can rest assured knowing that you’re getting a high quality mat for every job. The Quality Mat Company has been providing the natural gas industry with high quality rig mats for over 30 years and they are the pioneer of the mat industry.

For more information about rig mats and how your construction business can benefit from their use, please contact the Quality Mat Company at 1-800-227-8159 or by email at For more information on rigs mats, check out Quality Mat Company at or their informational site


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