Getting the Right Debt Consolidation Counseling for You

There’s no doubt that there are still many people are getting trapped in debt holes. Nowadays, many people are dreaming to get out from debt holes and live debt-free. To get out from debt trap, you should face the problem seriously.

As the solution, most people are choosing to consolidate debt to lower monthly payments and decrease interest rates. Though it is not an easy process; debt consolidation could be your best solution in settling your debt.

In fact, there are several ways in debt consolidation that you can apply. To avoid making any mistake that only makes your financial condition get worse; you should get professional helps from a reliable credit counseling agency.

Before considering to choose any program of debt consolidation; it’s much suggested if you have a consultation first to the experts at Delraycc.com. They will help you to decide the right program that most suits with your current financial condition. Since their aim is to provide you with customer service and financial education, I’m really sure that you will get a great help!

The counselors at Delraycc.com will analyze customer’s finances, recommend financial advice, support in the development of debt consolidation plans and creditor negotiations. Don’t hesitate to contact them every time you need their expertise!

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Couple’s Corner: Our Hobbies

This week’s topic is talking about hobbies. Well, we need doing our hobbies to relieve stress and spend our spare times with positive things. Since we’re talking about inexpensive hobbies, I won’t mention shopping at malls here. Moreover, when I’m visiting malls, I seldom buy fashion stuffs; window shopping is more fun for me!

I have two new hobbies: blogging and photography. I’m not a web master or a professional photographer; I just like doing it. Fortunately, blogging is still inexpensive. I pay around $11 per month for internet connection and there’s no increase in the electricity bill. Of course, I don’t get a good internet connection; my connection would be very slow in the last week, every month.

To capture moments, I still use my pocket camera. A dslr camera is too expensive for me. I really want to be able to draw things, but I don’t have the talent. My three brothers are good at drawing; it’s only me that can’t draw. Photography is a good alternate; taking reality and beautiful objects is like drawing pictures…

Reading is still fun; but I don’t do it often anymore. There’s a small library near our house. It’s very cheap to borrow a book for a week. Cinta Baca is my favorite place to read and borrow books. I can read various topics of books and novels, according to my mood and need, hehehe.

Let’s talk about my hubby’s hobbies. There’s no doubt, he love cooking. Since we don’t have lots of money, he’s never cooked expensive food. It becomes a challenge to him, how to make delicious food from ordinary matter. My task is cleaning the mess in the kitchen! He also loves his vespa. He renovated it from an old junk vespa. When the weather is fine, we prefer riding the vespa to go anywhere, as long as it’s still inside the city.

I and my hubby love to watch movies, going out for food and listening music. It still can be inexpensive; since we’re fans of yummy but cheap food. There are our favorite places that offer delicious food in best prices. If we watch movies at cinemas; we prefer weekdays; it’s cheaper than weekend. My hubby usually downloads our favorite songs from internet.

It’s my story. What about your hobbies? Is it inexpensive, too?

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The Ten Phrases Not to Say to Your Kids (3)

Here are the last three phrases:

8. “Don’t say that.”
Notice this situation: a mother was embarrassed when her daughter once pointed at a frizzy-haired woman at the grocery store and shouted with wide-eyed wonder, “Look at the witch!”

You shouldn’t think that the girl was being rude; she was simply being a kid. Whether the difference is race, ethnicity, orientation, physical abilities, or appearance, these experiences are perfect opportunities to look into kids’ thoughts about diversity, at which point you should share your own.

Don’t shut down the conversation, but rather welcome the open dialogue. As for the inappropriate comments, that is something that you need to discuss with your child, however, do not silence them, as silence taught to a child can breed into an emotional and mental issue later in life.

9. “Let me help you.”
It can be heartbreaking to watch a frustrated child. But sometimes it doesn’t pay to do the superhero rescue. The more challenges children overcome, the prouder they’ll feel, says Dr. Stanley I. Greenspan, author of Great Kids. You are setting your child up for failure when you indulge them and make problems go away instantly. The only way to overcome challenge is to face it head on.

10. “Don’t make me turn this car around!”
There’s not much worse than a car ride with a badly behaved child (or two or three). When you’ve gotten to this point, you’ve already lost control, even from the driver’s seat. If you want to head home, just do it, but don’t give your children the authority to make that decision for you.

Source: google & parenting.kaboose.com
Image source:sugardoodle.net

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Best Lightings to Beautify Your Home

At present time, good lighting has become an important home accessory in decorating homes. If you’re attracted to attach a new lighting touch to your home, you should visit Lumens.com, the right place for you to find design-oriented designs lightings, all in low prices.

You can choose one of Foscarini lightings, if you're an admirer of unique contemporary Italian lighting style. George Kovacs collection could be your best option if you want to add modern lighting at your home. Whatever your style is, you can also check out Kichler lightings, as it provides various styles for you.

Don’t hesitate to check out the great collection of lightings at the website! I’m sure that you’ll find the right lighting that most suits with your needs and style; as Lumens.com offers amazing collection for your option, from various brands, themes and styles.

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Getting The Superior Billet Grilles and Chrome Accessories for Your Car

If you love to modify your car, well, you aren’t alone. Most car owners prefer to modify their car. In fact, modification can personalize the vehicle to reflect the owner’s taste, sense of proportion and design. There are many things that can be done to modify your vehicle. Have you known that any part of your car can be modified?

To customize your car’s exterior performance, why don’t you install billet grilles and chrome accessories? It will add sophisticated look to your car! The good news is; you can buy it online nowadays. To avoid wasting money by buying improper car accessories, you should deal with a dependable online shop.

That’s why I encourage you to visit unique-auto-depot, the unique online place for you to shop any high quality billet grilles and chrome accessories. With their best and helpful customer service, you will get a big help in selecting the right accessories for your car.

If you want to get high quality car accessories at the competitive prices and it delivered within reliable shipping process; Unique Auto Depot is your best place to shop. You will find any car accessory that most suits with your car type; as they offer wide variety items for your choices! Just browse the website and you will find out that shopping accessories for your car can become so fast, easy and enjoyable.

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The Ten Phrases Not to Say to Your Kids (2)

Dear parents, it’s the second post. If you forget the first three; you can see here.

4. “We’ll see.”

“We’ll see” is a pause button for those times when you just can’t handle another decision. But this age-old trick may very well say to your child that you’re too busy or distracted for her. This in turn provokes your child to continue to ask the same question until you are so annoyed with the constant nagging that you make a rash decision. Instead, ask her to check in with you later. Or, if you’re just delaying the inevitable no, bite the bullet and give it to her straight.

5. “Give Aunt Millie a kiss!”
Forcing your child to hug, kiss, or show affection to someone sends the message that he doesn’t have control. Kids need to be certain that they can say no to unwanted physical attention, starting at a young age, so that as they develop and grow they will know how to handle situations that they may be placed in.

6. “Calm down.”
If your child is hyperventilating or won’t sit still for emergency medical treatment, this phrase may not be so bad. But for ordinary emotions—even those expressed in ways that would rival a soap star’s performance—“calm down” may translate to: “Your feelings don’t matter.”

Swallow your frustration with your child’s theatrics and simply say, “Wow, you’re mad/sad/frustrated, let’s work through this.” You never want to let your child feel as though the expression of emotion is a bad thing, because the alternative – a child that shows little to no emotion – is not easy to handle, either.

7. “When I’m right, I’m right, and when I’m wrong, I’m still right.”
It is all right for your kids to know that you’re not perfect. Actually, they already know it. Experts agree that it’s better for parents to fess up to mistakes than to claim superiority. When you say, ‘I shouldn't have done that,’ your child will have a rock-solid sense that her feelings matter to the people who are most important in her life. Additionally, you don’t want to encourage your children to always be on a quest to be right, because as the phrase goes, no one is perfect.

Source: google & parenting.kaboose.com

Image source: sudardoodle.net

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A Flying Ant

I didn’t successfully capture this flying ant. Sorry, it’s blurry.

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