Get a Home Improvement Loan and Make Your Home Look Brand New!

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Home Improvement Loan or HIL are given to those people in need for money to do home repairs. Some people are scared getting these loans because they think that they might lose their house if they are not able to pay but the good news is, all of those are not true. You can choose loans that will not ask for your house as collateral for payment. If you are wondering if they ever do exist, then the answer is yes you can definitely find one.

Ever wondered how you will be able to replace that sink in your house that always floods the kitchen? Have you ever thought about giving your daughter a pink- themed room with new paints covering the walls and the ceiling? Have you ever dreamed of having some funds to get it all started? If you answered yes to all of these questions then I have some good news for you. There are a lot of ways that you can achieve all of these without giving up an arm and a leg. This is because there are so many options and so many companies right now that gives Home Improvement Loan to the people who needs them.
You can go ahead and check it out online and you will see tons of bank and other financial institutions that are able to assist you in these concerns. One of the best things about it is that it is really nothing special and no outside of your mind procedures that will ever take place. It is just like a simple loan that has fixed terms depending on the amount and your capability to pay. And if you are not comfortable with them, then you can also get funds from government grants. These grants are good and they are not only for nonprofit organizations, so you can definitely go ahead and apply for it whenever you can. 

Home Improvement Loan is designed to help people achieve their simple dream of living a better life on a better house. But you should not just stop there. While it is the basic importance of applying for this loan you can also think about using the funds to upgrade your house so that it may have a better value. It would be for your best interest since it will definitely be a good sale when you decide to leave your home and settle elsewhere. So if you really think that you are ok with this, all you have to do is to go online and check a lot of opportunities waiting for you. There are absolutely a lot of them, and it will take you one step ahead of getting the improvements you want in your home.

Herbert is an expert  psychic reader who sometime offers free psychic readings to many people. She has started sharing her tips on psychic reading through her informative articles recently.

How to Find The Right Car Insurance

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Accidents can happen anytime.  They are uncertain.  We all know we can't prevent them from happening or worse recurring.  Accidents can destroy the things we spent so much time and sacrifice for.  With that, we lose not only the thing but also our precious time earning them back.  Now, how do we avoid getting that double damage?  Simple, get an insurance like any wise person would.

There are so many types of insurance.  But, our priority should start with where accidents are prone and where a bigger damage is most likely to incur.  Everyday, we hop on our cars and ride to work.  Remember how you save up for your  very first dream car?  How you realized you need it and how happy you were when you got one?  Statistics have long proven that car damage due to car accidents are happen more often than any other accidents.

So, how do we find the right car insurance for our vehicles?  Getting a car insurance is as easy as surfing the internet.  Many car insurance companies now have a website where you can select the appropriate car plan from you and get a quote.  The website also contains details, claims and services.

Meralco Virtual Engine Application: Meralco Goes Mobile

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Keeping up with the latest technological trend people nowadays are usually on their smartphones and tablets.   Meralco will certainly not be one of those company that will be left behind after all they're the Philippines' largest distributor of electricity right?

Finally going mobile, Meralco released their "Meralco Virtual Engine Application" this app suite has 6 different applications that you'd likely be asking yourself regarding your electricity bill. 

meralco virtual engine app
Meralco Virtual Engine on a Samsung Galaxy Tab
This free downloadable software has 6 different uses mainly :
1. Meralco Office Director

  • Complete and detailed directory of all of Meralco's Offices.

  • Applications that gives you a rough estimate of your electricity usage
meralco virtual engine app

3. Bayad Center Directory

  • Searching for the nearest payment center couldn't have been made easier.
meralco virtual engine app

4. Power Maintenance Schedule

  • This application conveniently gives you up to date power schedule in your specified location giving you less time to worry and more time to prepare.
meralco virtual engine app

5. E-Meralco Bill

6. Bright Ideas 

  • This is definitely one of the Meralco's Virtual Engines best app. 

meralco virtual engine app

The bright ideas is an interactive application wherein users get to pick a specific room and appliance to click which will give out a useful tip on how to save electricity on that particular appliance.

meralco virtual engine app

This is useful especially if you want to teach your children at a very young age to be more thrifty and eco friendly.

This application is available on the App Store, Google Play and also Blackberry App World.

To know more about the app visit

Spaoay Spa: Ilocano Theme Spa in Timog Quezon City

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Spaoay Spa derived its name from "Spa" and "Paoay" which is a town in the Ilocos region.  It offers time-offered therapies from Paoay which has long believed in the healing power of touch.

spaoay spa
Spaoay Spa is located beside Comida Ilocandia along Timog Avenue between Scout Tobias and Scout Tuazon Street.  You can enjoy their Ilocando Cuisine before you go to a massage or while waiting for your turn.  I've never encountered an Ilocano themed spa before so I'm in full support for this one.  My mom is born and raised from the Ilocos region.  Thus, I have spent all my summers there too.  I have come to know Ilocanos as not only thrifty but also hard-working.  That makes them bound to succeed.  So, for this spa, I came in expecting a bang for the buck massage. =D

spaoay spa
As I entered, the receptionist introduced me to a male therapist who led me to the second floor where I encountered this innovative lamp.

spaoay spa
I was then led to the foot spa area with a comfortable leatherette chair.  I was asked to sit and relax as he soaked my foot in a warm tub of soapy water.  Since they were fully occupied that Saturday evening, it took a while before my therapist, Weng, came with a pair of slippers and led me to a room.

spaoay spa
The room were strategically placed side by side with adequate area size for a comfortable wooden massage bed.  There are four room located on the second floor.  At the end of the corridor is the washing area and the shower room.  I was told that they had two body scrub rooms,  two facial rooms and one shower room on the third level which I did not have the luxury to visit.

Judging from the sounds that became prevalent against the utter silence of the place, the second to the last room must be the therapists' quarters.  The place was not air-conditioned but it was cooled by ceiling fans.  Unfortunate for me, I was am not used to being exposed to direct air so I had to request the receptionist to lower its power because I felt chilly being so bare after all.

The Combination Body Massage (350 php/1 Hour)
My therapist Weng was very courteous as she asked me if I wanted to take a shower before proceeding.  As I was too eager for my massage, I politely refused.  She then asked me to get ready.  After a few minutes, she asked my permission to enter.  She then asked me if I wanted medium or hard and I chose the latter.

Weng begun to massage my back first with the towel on.  As she was doing her job, I asked her about their combination massage.  She told me that after training to be TESDA accredited, they were personally trained by their manager for their Combination Body Massage which is their signature massage.  It is a special application of different technique such as Thai, Shiatsu and Swedish Massage.

After the gentle introduction around my back, Weng begun to massage me with oil starting from the back towards the neck, arms, back legs, foot, front legs, front upper body, back part of the head and lastly, the front part of the head.

I have to admit, this is one of the best massages I have ever had.  The pressure was really delicately hard just the way I requested.  Weng was polite in asking for my approval in every step of the way.  And, she was able to hit all the vital points in perfect streak.  Each part was massage evenly with utmost timing.  I timed it to last at around an hour or so with no preparatory delays.  I didn't feel chilly as each part that was massage is the only part that was momentarily exposed.  Overall, I was completely invigorated by the Combination Body Massage.  Its a service worth every peso.  All the tension in my legs from the hours of standing and roaming around in Rockwell's 2nd Ultimate Taste Test earlier that day vanished.

ginger ale tea
After my massage, Weng suggested that I lay for a few minutes so my body can adjust and I won't feel drowsy.  She then asked if I wanted some tea and I accepted.  She then brought a tray of tea with a wet towel.  She poured me a warm cup of soothing ginger tea and went out. As soon as I cleansed myself from the wet towel and got dressed.  When I went out, Weng asked me if I needed anything else.  I shyly asked for the rest room.

I was led to the to the rest room which I assume is also the shower room by end of the hall way.  The shower area  had stoned  and pebbled floors and it was equipped with a heater too.

Overall, I would say my trip to Spaoay Spa is not only budget efficient but it was beyond my expectation.  It is an Ilocano theme not only in terms of service but also in values too.  I would definitely recommend my therapist.  Too bad this is a bit far from my place.  But, I'll try to visit again if I have the time.

Spaoay Spa
Address: 33 D Timog Avenue, Quezon City
Contact: (02) 994-7596/709-9041

5 Apps to Assist Your Dieting

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Most people go on a diet or exercise program at some point in the life. These diets are either a way for you to lose weight or to eat healthier. There are a number of Smartphone applications that will assist you while attempting to lose weight and gain better health. Utilizing an app for weight control may prove to be very effective as you tend to have your phone with you at all times.


Thin-Cam is an app based food diary. Ask any doctor or nutritionist for advice on losing weight and they will suggest you track your food intake. Thin-Cam allows you to create a photo journal of the food that you are consuming. The photos are categorized by day for a calendar look at your overall food consumption. A bar-code scanner allows you to track nutritional information from food labels. A built-in GPS system will help you find healthy food choices at restaurants near your current location. Cost - $.99 for the full food profile.

Lose It

This app begins with the you inputting current weight, age, and height. The app will supply you with a daily calorie range for safe weight loss. Lose it allows you to determine how much weight a week you desire to lose and the calorie budget is centred on this provided information. One handy feature of this application is the ability for you to connect with other users for dieting support. A built-in graph will showcase your progress which helps to keep you motivated. Cost: Free

Calorie Counter

FatSecret designed the Calorie Counter application. This calorie counter differs from others by having a huge database of restaurant and grocery store items available. The database includes almost any restaurant meal so that you are able to determine the calorie count prior to ordering. The food tracker and exercise log tracks the calories that you have consumed against the calories that you have burned. Cost: Free

Cardio Trainer

Cardio Trainer tracks any exercise and calculates your daily calorie burn. The built in GPS system and pedometer will track the mileage of your run or walk. This app has a music player to listen to while working out and a friend finder that provides support from friends and other dieters. The heart rate monitor allows you to determine if you are exercising at the optimal level for increased health. Cost: Free


Footsteps is an easy to use application that helps you track your daily exercise. Footsteps is a pedometer app that tracks steps while you are walking or running. One of the features include a timer that you may pre-set that will sound when the predetermined time or distance has been achieved. This app automatically pauses when you stop moving. Calories burned are calculated and the pacer helps you stay at your desired intensity level. One unique feature of the Footsteps application is the ability to merge your iPod music with the app. This allows you the ability to listen to your favourite music while working out. Cost: Free Author Bio Allyson is a Personal Trainer and Nutritionist from Sydney, Australia. She believes that the essentials to successful dieting are exercise and a healthy diet with vitamin and protein supplements where required. Allyson says Apps are a great way to monitor calorie intake and expenditure and recommends them to all her clients.

Green Sofa Cleaning

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Having many pets, getting our upholstery stained is inevitable.  Even if our pets are well groomed, their dry skin can stick to the sofa at times.  These pets love to go up and cuddle on the couch as we watch TV.  But, its not only animal error, as we often spill drinks and food while watching an intense TV show too.  

We've been browsing the supermarket for some non-toxic solution that's safe for pets but sadly there was none.  We tried cleaning it by brushing and vacuum and soap but it just doesn't solve the problem. Then, I heard about Green Sofa Cleaning by Green Choice where they use organic solutions and get the job done for you.  The whole process is safe for humans, pets and more importantly the environment.  

Being in the business for more than 20 years, its no surprise that their staffs are properly trained, knowledgeable and courteous. They know their work and get the job done by themselves.  They do are quick to start and don't delay.  In fact, they can even transform your upholstery to a squeaky clean state within a day if that's what you need.  

Most of my family members are prone to allergy especially my little sister who has asthma so we need our couch thoroughly.  Green Choice does that for us.  Although their service may cost more and take longer time than others but at least we are assured that dust mites and other particles that can cause irritation and harm is gone. 

Check them out and see if they are servicing area near you.

Puppy at Rainbow Bridge

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It's only been a month when puppy was born.  It looked so small and fragile.  It looked so healthy and it cried a lot.  I cared for it everyday and missing sleep at night.  I watch its ears develop, eyes open and teeth grow. But, it hasn't grown in size.  Its weight was stuck at 260 grams.  But, lasting for weeks, I thought it could make it...until this morning...

It wouldn't drink its milk.  Suddenly, it eyes opened wide at me following where I was.  It still couldn't crawl so it laid still breathing but looking at me intently.  I knew something was wrong.  I called Kurt and he came quickly.  He saw it so thin and ribbed.  It's stomach was growling in hunger.  It then closed its eyes sleeping and breathing faintly.  It thought it was normal.  I left it in Kurt's care and I slept.  Two hours later, I woke from the news that it has left.  

My Prayer
Just this side of heaven is a place called Rainbow Bridge.
When an animal dies that has been especially close to someone here, that pet goes to Rainbow Bridge. There are meadows and hills for all of our special friends so they can run and play together. There is plenty of food, water and sunshine, and our friends are warm and comfortable. All the animals who had been ill and old are restored to health and vigor; those who were hurt or maimed are made whole and strong again, just as we remember them in our dreams of days and times gone by. The animals are happy and content, except for one small thing; they each miss someone very special to them, who had to be left behind. They all run and play together, but the day comes when one suddenly stops and looks into the distance. His bright eyes are intent; His eager body quivers. Suddenly he begins to run from the group, flying over the green grass, his legs carrying him faster and faster. You have been spotted, and when you and your special friend finally meet, you cling together in joyous reunion, never to be parted again. The happy kisses rain upon your face; your hands again caress the beloved head, and you look once more into the trusting eyes of your pet, so long gone from your life but never absent from your heart. Then you cross Rainbow Bridge together...

Farewell, little friend...

My Reflection
Death reminds me of how much little time we have in this world.  Yet, we have so much love to give.  
I'm also reminded at how fragile life is...  Sometimes it can be taken away too abruptly.   I thought since it survived for a month, it could live a little longer.  I imagined it running around playing and the life it could have had.  

I will cope with this in the only way I know how.  I will live life in a more efficient way.  Life is so short.  In every little chance, we should try to give it as much meaning as we can. 

Saffron Extract Diet

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Saffron is a famous spice.  But, is it just that?  Saffron has been used in Persia for centuries to relieve  stress and improve mood.  In Europe, it is put in a more complex application by using it to maintain a healthy body weight and to target specific emotional factors that actually make people eat more.

Since Saffron can't be available locally, Satiereal Saffron Extracts are now turned into capsules which you can easily purchase.  The Satiereal Saffron Extracts has shown to be an effective appetite suppressant for people who feel hungry all the time.  Through this you can stop your abnormal urges to eat in between meals and this is the basis of the Saffron Extract Diet.

Optimized Saffron with Satiereal extract capsules deliver active Crocin and Saffranal constitutes that modulate the brain’s serotonergic receptors to help keep your mood under control. After taking Saffron Satiereal extracts, women reported that they felt better in general and started to feel good about themselves granting them a greater sense of control in regards to over eating behaviors.

Saffron Satiereal Extract have a lot of benefits such as:
  • Cuts snack attacks in half
  • reduced urge to snack between meals
  • Cuts down on the frequency of snacking
  • Decreases cravings for food between meals
  • Promotes a feeling of fullness
  • Better mood control, less hunger
  • Moderate loss of weight
  • Helps increase energy
Who could have thought there is not a supplement that can help get our mood in control contributing to our efficiency and at the same time make us look good?  Ever felt the urge to eat more like a pint of ice cream when you're sad and lonely?  Now, you can put that all behind.  The Saffron with Satiereal extract capsules will aid you in getting you in the right mood for your day to day life and also achieve the body that you have been aiming for but couldn't achieve because of your mood swings.

The Watch (Movie Review)

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The Watch is first shown in the US last July but its only showing on theaters here in Manila just now.  With four known funny actors: Ben Stiller, Vince Vaughn, Jonah Hill and Richard Ayoade, you'd think this movie will be the bomb for laughter right?

The movie had an out of this world in a weird way of a plot.  Logic will not help you with this movie except that it will hinder you from enjoying the expected humor in the movie.  There were funny moments but nothing that you could not have foreseen given the easily laid out circumstance.

Ben Stiller has his usual role of being a nerd and by the book character.  Vince Vaughn also does the same stint by being cool guy.  Jonah Hill is as expected a mama's boy trying to be bad boy.  And, Richard Ayoade has his accent and weird-geeky persona.

Overall, watch this movie only if you're into simple jokes and have a time for a feel good movie where you could spare a few laughs without minding the plot.

Watch The Watch!!!

3 Ways to Make Your Business Cards Stand Out

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Networking is one of the most challenging, but most important, tasks for the freelancer, contractor, or small business owner. Business cards are an easy and effective way to network, as long as the person you are presenting your card to doesn't already have a dozen similar cards in their pocket. Unless a business card stands out, it can easily be lost in a sort of card slush pile, at best filed away forever and at worst recycled without another thought. But with a little creative thinking, your business card can stand out. Here are three springboards to get you on your way to a better business card.

1. Add Some Dimension

Cards that are more than cards instantly stand out. Without making your contact information too bulky, there are several techniques to making your business card more than a rectangular piece of card stock. A little foil or matte finish adds a beautiful touch. A card that is a unique shape, from something as simple as portrait format to as ornate as not having any right angles ads charm and makes it harder to shuffle in with other business cards. Cards that include a QR code allow anybody with a smart phone to immediately access your website and learn more about you before they can lose your card. Some business cards have calendars on the back, fold out, have a funny slogan, and more. Consider what would make your card fun and engaging.

2. Include an Incentive

Another way to impress potential clients is to make your card more than a card. Offer clients some sort of reason to hold onto the card and use it again. If they present the card to you later, they could receive a discount on your product, receive a free consultation to prepare them for your services, receive a sample, receive a short subscription, or something else related to your product or service. A money savvy client will actually be thankful to receive a card from somebody that includes a coupon.

3. Don't Make It a Card

One of the best ways to make your business card stand out is to avoid the card format altogether, and instead give out something inexpensive but useful related to your business. If you are a copywriter, you could give pens to potential clients. If you run a cafe, you could have out tea bags taped to or packaged in a wrapped with the cafe's address. If you are in the automotive industry, you could offer clients air fresheners or car magnets. Computer repair services can hand out keyboard dusters. The possibilities of non-card incentives are endless, and your client will remember you every time they use the freebie. Author Bio Frank is a Graphic Designer from Sydney, Australia. He works with many leading Sydney printers to create unique business cards for his clients. Away from work, Frank enjoys playing football and keeping fit at the gym.