Every time I read a newspaper ad on life insurance, I always get the quote “life insurance no exam guaranteed!” I really wonder why they would emphasize that not until a friend explained it to me. She said that most life insurance company conducts a medical exam to ensure that the client they are insuring is healthy, for short will not die during the paying period or in the next few years. This will assure the company that the client is not just buying an insurance policy just to have benefits secured for the family since he or she is already dying. The company must ensure that they will gainfully benefit from the premium.

On the other hand, some company risk themselves by giving no medical exam on clients but they give off lower benefits or higher premiums. This of course depends on the client. Both kind of life insurances give the same benefits.

As I have mentioned before, I have a bugs bunny teeth. When I was a bit younger, I really wanted to have it fixed but unfortunately my parents could not afford them. It was my desire to have a bright smile with aligned teeth.

Now, I have braces to fix my upper two front teeth. Though I didn’t get it from a Plano cosmetic dentist, it is enough to get the job done. After this, I will have my lower teeth done that of course if I have the resources. As of now, my priority is our family’s need.

One of my biggest dreams is to visit the United States of America. Just to be specific, I want to visit New York NY, Orlando FL, Los Angeles CA, New Orleans LA and many more. I want to visit their beaches, entertainment park and historic sites. Aside from that, I want to experience SNOW!

Anyway, I hope that someday I will be able to fulfill my dream especially with the whole family with me. I don’t know how or when but I wish to visit the US someday. Hopefully God-willing!

When I was a teenager, I was not fond of wearing sunglasses. I considered my face too small to be wearing one. I felt that if I wear one it would cover my entire face.

As I grew older, I came to appreciate fashion and the use of accessories. I started wearing eyeglasses not basically for fashion purposes but for eye protection. I wanted to wear at least 99% UV protection sunglasses to prevent damage in my eyes no matter what the season is. I also prefer lightweight, durable frames sunglasses because I don’t want to feel heavy in my face. Aside from that, I am budget conscious and I don’t want to wear something that breaks easily.

Anyway, here are some pictures of me wearing sunglasses. I don’t look pretty but at least I love taking pictures of me wearing one because it covers my eye bags – the thing that I don’t want to reveal.

Halloween is just a few days away and I am sure your kiddos are excited to go trick and treating. So, just to make you prepared for keeping memories, don’t forget your camera. Capture every moment with every click. And once you have them all, don’t forget to beautify your pics by doing some digital scrapbooks with them!

To help you out with that, don’t forget to use SmileBox! Check them out by clicking the banner below:

I am currently breastfeeding my third child. Unfortunately, I felt so inadequate in providing milk for my baby. Just the other day, I was tempted to give her two bottles of formula because she was frantically crying. It made me feel bad inside. I felt guilty of not eating the right amount of food for her. Sometimes when I am in front of the dining table, I felt like not eating as if I was taking diet pills.

Anyway, I didn’t give my baby formula today. I let her drink milk from me. I don’t know if she is getting much but I will know this coming Monday as we will be visiting her doctor. I hope she is gaining weight even I felt inadequate to provide her needs.

The aftermath of typhoon Ondoy (Ketsana) is very devastating. Many properties like homes, cars, appliances and many more were damaged because of the floods. The sad part is most were not able to claim house insurance and others because the damages left were under the conditions of force majeure or acts of God. That means insurance companies will not pay the owners. So now, the victims of typhoon Ondoy rely on the rehabilitation assistance of the government to be able to cope-up with the damages brought about by the flood waters.

Anyway, some were able to claim home insurance but only those that allow acts of God in there provision. Unfortunately, only a few people have this kind of insurance policy because it has expensive premiums. There were only few “can afford” Filipinos that were victimized by the flood.

I have been thinking of generating additional income. My online income right now is not sufficient with our needs. So I am thinking of working online or do some per commission based job like maybe giving out life insurance leads or be a ghost writer again. Better yet, learn a new skill maybe like cosmetology or hair cutting.

Anyway, whatever as long as its legal, I am very much willing to do it! It’s really hard when your family is growing, your needs are growing too!

Whenever I have a problem, I always lose my appetite. I don’t like eating as I am so overwhelmed with my problems and of thinking of solutions to it. No wonder most people who are depressed lose weight. Problems are like natural appetite suppressant. They can make you lose your will to eat and sometimes live. There are also some people if they have problems, they eat and eat. The result is obesity. They have an uncontrolled appetite when they think of their problems.

Anyway, losing or not, if eating is concerned, one should stay alert as health is the primary victim. If you become unhealthy from not eating or over eating, you might end up having more problems than the usual. That is why I try to eat even how little, don’t want to lose my health because it is my only wealth!

When I go inside a comfort room, ride a taxi or jeep, I always saw this sticker that says lose weight now. They are placing these stickers everywhere in hope they could sell fat burners to those who want to lose weight. But I guess the same product can also help people gain weight too. It depends on how you use the program but most of their advertising is in losing weight. So does that mean that there are many people who are having problems of losing weight than those who want to gain? Is obesity a real big problem nowadays?

Anyway, I am thin but I want to gain weight and tone my body a little. I felt so loose but thin. So, I need to tone up my skin and stretched skin from being pregnant. I want to gain and shape up! Not only for me but also for my children.