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Are you facing foreclosure of your home? Are you stressed out about your mortgage payment?

I remember when I was in high school we lost our house because of unpaid dues to our loan. If we only knew about YouWalkAway that time, maybe we are still living in that house.

YouWalkAway.com is a site that provides solutions to those people with financial problems. They have partnered with a Law Firm that performs Forensic Loan Document Reviews which is a comprehensive investigation of the documentation from your existing loan(s). The Forensic Loan Doc Review is a significant part of a loan modification request submitted on your behalf.

They also perform Home Loan Modifications which is the change to the loan contract which is agreed to by the lender and the homeowner.

So, if you want Foreclosure Protection, head on to YouWalkAway.com. They will do their best to protect your house from foreclosure.

Yipee, Christmas is near. I love Christmas. Speaking of Christmas, 'Nsync's Merry Christmas, Happy Holidays (one of my favorite Christmas song) is playing on my iPod. This song always brings a smile to my face and lifts my spirits! I can't believe this song was released about ten years ago, and still it's so beautiful.

Here's the video of Merry Christmas, Happy Holidays

Yup, that was me with Earthlingorgeous and Youngmaze during Nuffnang's First Movie Premiere. We watched Burn After Reading. Though the movie is morbidly absurdist, thoroughly pointless, I enjoyed it. There were more chuckles than huge laughs, but I was thoroughly entertained.

The best part was when I met some of the Nuffnangers. It was really a fun experience. Thanks to Nuffnang for making this possible.

Are you a XML Superstar? If yes, this is the contest for you. IDUG is a sponsoring their own IDUG contest for developers (students, professionals and hobbyists) to increase awareness and familiarity with XQuery, XML and DB2.

This competition consists of five different tracks aimed at students and professionals alike. Each contest offers its own recognition and set of prizes. However, there is a limit of one entry per person or team in each track.

You can start by registering in any of the following contests:

Video Contest: Invent a creative use of XML, XQuery or DB2 and record yourself doing it.
Prizes: Each month, the winning entry will receive an 8GB iPod nano.

Gadget Contest: Develop a downloadable gadget or widget leveraging DB2.
Prizes: Each month, the winning entry will receive an 80GB Zune.

Query Contest: Use XQuery to find five answers. The best queries win the best prizes! Participants need to get all five queries correct in order to be eligible for the prizes.
Prizes:
Once you are announced as a winner you will be eligible for a 1GB USB key and will be placed into the sweepstakes for the grand prize 32GB Apple® iPod touch.

Ported App Contest1: Port or develop a new app for DB2. Enter as an individual or assemble a team.
Prizes:
1st Prize: Each team receives a new notebook computer
2nd Prize: Each team receives a Garmin GPS unit

XML2 Contest: Win by building useful, user-friendly XML apps from scratch. Enter as an individual or assemble a team.
Prizes:
1st Prize: Each team gets a 17" Alienware Laptop
2nd Prize: Each team wins a Nintendo Wii

This is really a cool contest. So, what are you waiting for, join IDUG contest now!!!

Maybe you are wondering why is my title like that.

It is simple. Some jokes are insulting. Some jokes can hurt others' feeling.

Anyway, I'm saying this because I was or should I say, I am deeply hurt with what I read this morning in one of the forums (where I'm currently an active member). They will have a huge contest this coming December. I just made a post that I hope it will not be the same date as our Christmas Party. Then to my surprise, I received a reply from the person who I treated like my father in online world. He said "pera o tsibog" (money or food). I'm not sure if I'm too sensitive or what. But I felt it's an insult.

I admit I need money, but not to the point I will let our reunion pass. And I'm not attending parties just for food. I'm not "mukhang pera" (someone who has the propensity to acquire money, a worldly person, someone who values money and riches above everything else) and I'm not "patay gutom" (extremely hungry, tramp, destiture).

Though, he already said sorry and that he was just joking, the damage has been done.

So next time, (just a friendly advise) if you are planning to tell a joke, you should be more cautious so you dont offend people. Not all jokes are funny especially when someone might get offended.

I'm fat ever since I was a kid. I've been struggling to lose weight for years now. And I've tried different kinds of diet pills, exercise but still no luck. Not merely no luck, I lose weight with diet pills but every time I stop drinking them, I gain weight again. 

I think having a flat belly is impossible for me. I'm beginning to lose hope. However, during my blog hopping, I guess I found the solution to my problem. A lot of people online are talking about Flat Belly Diet. It is a diet program that does not required exercise at all. 

Flat Belly Diet is focused to eliminate belly fat. It offers a science-based solution that combines a cutting-edge nutrition plan with expert tips and advice. It is based on the new research that eating healthy fats (Monounsaturated Fatty Acids or MUFAS) at every meal targets belly fat which is the most dangerous fat because of its high correlation with heart disease.

MUFAs (MOO-fahs) are a type of heart-healthy, disease-fighting, "good" fat found in foods like almonds, peanut butter, olive oil, avocado, even chocolate. According to exciting new research, MUFAs can actually help you lose up to fifteen pounds of belly fat in just thirty two days. 

The best part of it is that Prevention magazine is looking for women who are interested to try out the Flat Belly Diet for FREE. 

Eligible participants will receive: 

A free copy of the Flat Belly Diet book

A free 1-year membership to the Flat Belly Diet website

Exclusive membership to our Success Story Club

The chance to blog about Flat Belly Diet on our website

First look at exclusive Flat Belly Diet videos.

This is definitely the kind of diet program that I'm looking for. So, if you are interested like me, just check out the Flat Belly Diet today to get started.

Remember my post about Spying Over Burn After Reading? That is my entry for Nuffnang's First Movie Premiere.

Do you think watching a movie with your co-Nuffnangers is a good idea?

Yes, Nuffnang Philippines Inc. is having its very own First Movie Premiere on November 18, 2008, Tuesday 7:30pm at Robinsons Movie World, Robinsons Galleria! I will not miss this big event!

Nuffnang Philippines Inc. in cooperation with Viva Entertainment Inc and Robinsons Movie World presents: Burn After Reading starring George Clooney and Brad Pitt.

I've been a Brad Pitt fan ever since. The last time I saw a movie was almost half a year ago! I want to watch this movie because of its great reviews, and hilarious trailer.

This grossed $19.1 million in 2,651 theaters in the United States and Canada, ranking #1 at the box office in its opening weekend. As of October 23, 2008, it has grossed $57,529,344 in the United States and Canada. Who wouldn't want to see this movie? Burn After Reading -- a must see movie.

With two of the sexiest men in Hollywood plus Nuffnang plus Nuffnangers!!! This will definitely FUN!!!

The advantages of using internet marketing for sales, branding and exposure are self-evident. When it comes to searching for information and details for goods and services, the Internet is fast becoming the number one choice of web-savvy consumers worldwide. Advertisers can use banner ads, through search engines or through e-mail campaigns.

For Advertisers:
It is cheaper to advertise on the Internet. It is important that your target audience is able to find you easily. This may be achieved by partnering on Blog Advertising network like PayingPost. This kind of internet advertising uses blogs to communicate and advertise to its target audience. This is one of the most effective internet marketing strategies today.

For Bloggers:
Blog advertising is a way where bloggers are getting paid to review products, services or even websites. Companies pay bloggers for giving their opinion and valuable feedback to advertisers.

I found a site that can be beneficial to both bloggers and advertisers. PayingPost.com is one of the blog advertising agencies you can choose from. But unlike other advertising networks, PayingPost only accepts blog with high number of visitors a blog receives. The answer is obvious. Advertisers want customer. The higher the blog's traffic is the higher the number of customer advertisers can get.

While, bloggers will be paid be paid by writing paid reviews on your blogs, and the payment will be sent directly into their PayPal account and there are even opportunities to get bonuses. The best post each pay period will earn an extra $25 included in their payout

For more information on PayingPost, you may visit www.payingpost.com

Nothing usual this day. I woke up late because of my headache. I'm not feeling well. But I have to get up and do some tasks.

Here are my plans for this day:

I'm currently busy looking for contest sponsors. My contest will start on November 22, 2008. And I'm still finalizing the contest mechanics. I hope I can finish that before the end of this week.

Then, I need to wash some of our clothes, cook for my husband, clean the room and so on and so forth.

I think this day will be a long day. So I better get started! Have a Happy Wednesday!

Let me list some of the benefits of having your own domain:

1. You are in control of your site. You can do anything you want. You can create your own content with your name creating credibility.
2. Increase your credibility with your own address.
3. Investment in your online future.Some affiliates do not accept a free-hosted blog.
4. Attract sponsors or partners with your credible unique domain name.
5. Distinguish yourself from competitors with a unique identity
6. It is easy to get one.
You can get a domain name for less than $10 for a one-year registration. Just visit GoDaddy.com as it provides a one-stop shop for individuals and businesses to establish, maintain and evolve an online presence. With more than 30 million domain names under management, GoDaddy.com is the world's leading domain name registrar and largest web host. The company offers a variety of domain name registration and Web site hosting services, as well as Web site creation tools, e-commerce and security solutions, and productivity and marketing tools.

GoDaddy.com has a promo where you can get a domain for only $7.49 a year. Just click on the banner for more information.

I got so excited when I read my emails especially that the official Apple Online Store is now open in the Philippines.

Now, Philippines resident can buy Mac, iPod and any third-party gear directly from Apple Online Store.

Hopefully, before Christmas I can buy an iPod shuffle. It will be a great gift for my husband since his planning to buy this one for a long time. This iPod Shuffle costs ₱ 2,790.00 and it can be delivered to your home in 1 to 2 business days only.


Anyway, for more information on the official Apple Online Store in the Philippines, you can visit: http://store.apple.com/ph

Based from my experience, I learned that if you are serious about blogging, you should get your own domain and hosting. Though there so many sites that offer free hosting like WordPress and Blogspot, but it is best to get your blog its own web hosting. This allows you to control your blog and it can lead to better earnings.

Here are some advantages of having your hosting:
1. It can be personalized
2. You have 100% control of your blog
3. You can have your own domain 4. You can add gallerys, forums and other avenues to your site
5. The entire revenue generated is yours to keep

Those are just some of the benefits of self-hosted blog. However, choosing the right web hosting provider is not that easy. There are so many things to consider like: server uptime, availability of the latest PHP & MySQL databases, number of add-on domains allowed, number of sub domains allowed & their back-up procedures.

So before making a decision on what web hosting service you will choose, make sure to analyze your current website needs. Try to compare web hosting packages that are available in the market. If you are not techie like me, you can always visit webhostinggeeks.com as they list the best web hosting providers on the net. They have reviews for each web hosting providers and gave them each a rating according to affordability, reliability and service. You can also check their user reviews where users can give their unbiased opinions on a specific web hosting provider.

Remember to weigh the factors before jumping into something you may not be able to handle. Choose your host well. Let Web Hosting Geeks help you make a decision.

I would like to thank you to those who message me, texted me and even calling me about my alarming "I Had Enough!!!" post. I wrote that post when my husband and I had an argument. I was really disappointed and hurt that time. Though I wanted to share it with you, I can't because it is too personal.

I was planning on leaving him, but he won't let me. We had a LOT of talk, and we have an agreement now. He promised that he will change and he will not hurt me in any way. I gave him another chance and I accepted his apology even though I know those promises are meant to be broken. ..

Anyway, I'm okay now...

Ms. Fire 2008 - Ms. Brazil
Ms. Water 2008 - Ms. Mexico
Ms. Air 2008 - Ms. Tanzania
Ms. Earth 2008 - Ms. Philippines

Congratulations to Miss Philippines Karla Henry! You made us proud! Mabuhay!

While I was looking for a perfect gift for my brother, I stumbled upon a website called potHats. An online store for hats, potHats was the result of the teamwork of Tony Guillen and Boyu Li who were looking for a unique business idea that expressed their values in style, balance and independence.

potHats products are not just ordinary hats. They are so simple but very stylish. I love their color combination.

The concept for potHats is really simple: it is just an image of a flower pot on a hat. Those pots are there for nothing. They believe that an empty pot is symbolic of the opportunity we all have to grow.

Because their designs are original, celebrities are also wearing them. potHats are made from the highest quality Flexfit hat. So for I think for $24.99, potHat is really a good buy. I envy those who lives in lower 48 states, they can avail the free shipping.

If you want to know about potHats, you may visit their site at: http://www.pothats.com

Due to our poor economic situation, people tend to get smarter especially in their spending habits. They buy things that are affordable but with great value.

For example, some people want to buy expensive stylish glasses but smarter people will look for a cheaper one with the same value as the expensive glasses. Like what I have read in http://clarkhoward.com/shownotes/2008/10/15/14239/. It's a story about a couple whose daughter needs eyeglasses. They are choosing between Costco and Zenni Optical. The wife wanted to buy the expensive glasses from Costco, but she does not know that Zenni Optical sells Stylish Prescription Glasses Online for a reasonable price. The price starts at $8. If you compare it to Costco, a pair of glasses costs around $80. For that price, you can already buy 10 Prescription Glasses from Zenni Optical. Take a look at their sample product:

But if you are unsure of what you are buying, try to do some research. Let's use Zenni Optical again as an example. You might be wondering why Zenni Optical can sell their glasses for a lesser price. Do some research, check their website, read their about page and you will learn that Zenni Optical manufactured and sells their own products with no middleman, no retail overhead, and practically no advertising budget. That is why they are able to bring to all a very high quality product of great durability, safety and comfort at truly reasonable and affordable prices.

This should be lesson to all of us. Buying something that is cheap in price doesn't mean you are cheap. Remember, quality does not have to be expensive. Be smart. Be practical.

A new month means new bills to worry about. I think worrying about our bills becomes my habit.

It really bothers me especially that my husband's schedule was changed to 6AM. That means he will not receive any night differential pay. He will receive lower salary than the usual pay. My blogging income is not sufficient enough to pay all of our bills.

Working is not my option as of now. Maybe a small business will do. Mitch will meet Em tomorrow to talk about food cart franchise. And I'll be going with her. I'll be her tour guide. (lol) Anyway, I feel it is a good idea to join Mitch so I can have an idea on the requirements needed for a food cart franchise.

I'm so excited about tomorrow's meeting. I can't wait to see Mitch again...