I have noticed that getting a credit card or loan are getting easier these days as compared to 5 years ago. Many financial institution even offers additional incentives for applying credit cards or loans. With easier application and approval, there are a lot of individuals applying without doing proper planning of their income and expenses. They just take it simple like “If I make $1000 a month, I do not have problem paying a mortgage of $200 a month”.

As simple as it is, many people tend to forget that there are unexpected expenses during the months. The one that could contribute to huge expenses is medical costs. You will never know when you or your family get sick. Other unexpected expenses are school expenses, home repairs, car repairs or even birthday gifts. Yes… birthday gifts or other occasionally gifts could make you getting into debt problems. Even if you do not have cash, you tend to spend on the gifts because you had credit card to shoulder it.

All of those expenses, if not managed well, could turn someone into debt problems. And once, you are in debt problem, it is difficult to get out without proper debt consolidation planning. Trust me. I have been there. Collecting the coupons or discount brochure is not going to help you. Only proper financial planning will help. You can find many online tips regarding debt consolidation out there. You can even  Get a FREE Debt Assessment Online in just a few seconds!
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Having a bad credit rating is not end of your life.  I know that having bad credit rating in US could make you difficult to apply for another loan.  Either home loan, personal loan or even applying for a credit card.  If this is the case, how can you improve your credit rating then?   Well, there are still many financial institution out there that would consider your application even if you have bad credit.

The process could be as simple as applying it online.  But of course, they won’t give you big amount of loan.  But that is just a start.  Try to loan small and pay installment always on time.  This will increase your credit rating.  And through time, you will be allowed to have bigger loans.  The idea is to keep paying your monthly payment on time and improving your credit rating over time.

I hope this simple advise can bring you somewhere.  If you are not able to pay the small loans on time. How could you be trusted to be approved for higher loans?

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Just few days a go, I tried a script for forex search engine and publish it on my blogpost.  It only takes few hours until some blog copied my blogpost and publish it on their blogs.  I assume they use some script like rss to blog.

This rss to blog script or software tries to find new blogposts that are related to defined keywors and publish them in their blog automatically.   The main reason of using that script is to auto populate the blog with related content.  They usually put a link back to the original source to give credit to the author so that the author might not complain about it.

Well, I dont know if they could benefit from this auto populate software.  Their blog is really automated but I am not sure if search engine is going to like it.  It could be mark as a “duplicate content” by search engine and the url will not be considered as unique or worth an index anymore.   If you have good experience with such a software, maybe you could share it me me.

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I have tried to install Forex Search Engine in my hosting.  Just testing this script to help surfer who like to search forex realated stuff.

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Past few days I had difficulty in sleeping early.  Sometimes I really want to sleep for about 7-8 hours.  But in the end, I end up sleeping for 5-6 hours.  It has been running for 1 week straight.  Despite all of those, I do not fell tired during office hours.  I fell it really tired when I come home at house around 8pm.  At the back of my head, I want to have a quick sleep of 1 hour after coming in house.  However, it has never been a success.  Every time I lay down in the bed, 1 hour is just passing by without falling asleep.

I am sure this is because of many thoughts that are running inside my head.  I really need to learn to set aside these thoughts so that I can get rest easily.  Now I still do not fell the impact of lack of sleeps.  But who know, how long my body can resist it.   Or in the end, maybe it is just me being worry of lack of sleep.  Maybe  5-6 hours sleep a day is just enough for me

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Doing a hard work and get praised by your boss is somehow satisfying.  However, when you client is talking with your boss and the client gives a praise to you, it is something more satisfying.

Today I got that praise.   I am currently in the project that is having a tons of problems.  The project was in delay and we are progressing very slow.  The client has been complaining to our boss regarding to some team member that are performing very well.  Aside from all those complaints, my boss told me that the client gave praises to me and told my boss to make sure that I am staying in the project despite all difficulties we encountered.

Whoaa…. it really makes my day

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When sitting down and think what should I do for next week, my hand starts to list down all the activities that I should do or I should follow one.  Whoaaa… the list becomes longer and I know that some of them is not very urgent.  But I just note it down as not to forget later on.

From this list, I sort them by order of priority.  I will try to finish the first point before going to the next one.  This way, I will try to be focuss as much as possible. 

In work, organizing the to do list is very important.  Otheriwise, you will end up starting the first task and in the middle, you will jump to another task without finishing the first one yet.  Going back to the first task later on will be time consuming because you need to re-read or refresh your brain for the previous task.

Always keep it simple.  One small piece at a time.

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Sometime you must feel that you get bored of your job and thinking to find another one.  Well,  think twice to do so because in new job you might find it interesting. However, after sometime, you will arrive in the same feeling again.  Getting Bored.

Got bored in your job is normal, especially when you have been working for a long time in same routines.  Just take some days off with your family or friends.  You will feel “re-charge” afterwads.

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I dont know why all of a sudden, I am interested to buy a mini RC helicopter.  Maybe because back then when I was a child, this RC toys were expensive.  Nowadays, RC toys can be found around $20.

In fact I just bought a mini helicopter RC for the price of $30.  Yeah… I must admit that the RC helicopter that I bought is simple.  It is just the size of my palm.  The RC is 2 ways, means that the control can only guide up/down and right/left.  So… you might ask, how can helicopter move forward?  Well, just move a bit right, and the coper will move forward a bit.  The idea is to put more weight at the tip of the coper so that when I make a little right or left movement, the mini helicopter will forward with faster speed.

In the end, It really gives me the satisfaction of playing flying toy RC.  I am really happy that I bought this toy.

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Or it is just my IT guy? I recently got a laptop with Vista installed. Well, I must admit that the graphic interface of Vista is very alive and powerful. I dont know how much memory it takes just to give these kind of experience for a user. It really giving me a total experience as compared to Windows XP that I used before.

My work involves as well an application that is using database of Microsoft SQL Server 2005. When the IT guy tried to install it in my laptop, it gives a message that Vista is not compatible with SQL Server 2005. It recommens to use higher version of SQL Server. Well, since we are only having license to SQL Server 2005 and the company does not have any plan to acquire new version of SQL Server, they finally decided that my laptop should be resintalled using Windows XP.

I just agreed with them because I need that application to run for my jon. I do not know who has problem… Vista or IT guy or my company that does not want to upgrade its SQL Server.

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