May 31, 2012

When to Buy A House?


My friend Vangie and I were discussing their plan to buy a house.  She is currently pregnant and her husband is home from his work abroad and is still undecided whether he is going back or not.  They are looking at several lots and they just want to build the house based on their own design.  My friend was asking me whether now is the right time to buy a house, given her situation.  I told her, buying a house is a commitment and if they are decided, then now is the right time to buy.  They have saving enough for down payment and they can take home loans from either Pag-Ibig or at various banks, depending on the interest rates that they can afford.  They can also check out Advantage Home Rates for mortgage computations and to know more about getting a home on mortgage. There are several options on rates, which they can also find at Advantage, like this article on Fixed and Adjustable Rate Home Financing. I told them also to read on some tips on housing loan options for OFW's like her husband.  I am sure they can finally decide when to buy their house after reading all about it.

Again, for me, buying a house is a commitment and once you have decided to do it, then it will happen for you because you will do everything in your power to finally get that house of your dreams!

May 21, 2012

Frequently Asked Notary Questions

One of the best sites to learn about notaries is on FindNotary blog or at wikipedia.  They cover many frequently asked notary questions to help you best understand the notary industry. There is also a Notary Forum for notaries and people looking for notaries can interact easily with each other and where they can  and get as many of their questions answered quickly and professionally. Here are just some of the frequently asked questions for Notary:

What is a notary? A notary is a public official which performs services in everyday life that gives agreements legal backing and proof. They have undergone training and have been approved by the state to acknowledge signatures, conduct oaths and affirmations and issue subpoenas in law suits.

How to become a notary?To become a notary in the United States, you have to you pass a simple test and a background check and you  You need to be a resident of the state that you are applying to.  You must be and at least 18 years of age or older. An application has to be completed, and a fee has to be paid to the commissioning authority.  Then you must obtain a notary bond and take an oath of office at your county clerk’s office. It is also important to check with your state office as every state will have different requirements.

What is the difference between notary public insurance and notary public bond? Insurance protects a notary from financial liability if he/she makes an error when performing the notary duties. The notary bond only protects the public not the notary. The notary can obtain a bond from an insurance company but is also able to to submit personal property as security.

What is a notary seal? The procedure requires a notary’s signature and a seal as well. This is evidence that the signature is valid and that the person that is witnessing is a current notary public.

How long is the term for a notary? The term of office for a notary is four years. The notary is able to contact the clerk’s office to find out the exact procedures for renewing.

What is a mobile notary? This is a notary that is mobile, which simply means that he/she will travel to different locations to perform notary services. This may result in an extra charge for travel expenses.

Where can I find a notary? Finding a notary is simple. One of the best way to do this is by using www.FindNotary.com, but they can also be found a county offices, financial institutions, and courthouses.  There are also mailing centers, such as UPS and post offices that have notaries.

May 18, 2012

Saying Goodbye to an Old House

Our neighbor recently sold their house and moved to a condominium.  Their house is the only in the street that has retained its good looks over the years.  I am sure that if their father did not pass away, they would not sell the house.  But as it is, our neighbor and her siblings have been living apart for some time now and it was understandable that the old house has to be sold and the money divided among the kids.  I know that if I own that house, saying goodbye would be difficult.  There will always be childhood memories in that house and besides, as I said earlier, the old house is a looker.  I dont think I have ever seen such nice and well maintained lawn as though  San Diego synthetic turf worked on it!  It is actually my dream to have a pretty garden like theirs. The flowers, especially during summer make for pretty garlands and the trees, for great shade! And the nice bench makes for great place to rest. I just wish the new owners would take care of that old house so that our street would retain the charm that that house brings! And if I own the place, I will probably not say goodbye to that old house!

May 16, 2012

I Can Live Here!

This is a cottage in a resort we visited last week located in Binangonan, Rizal.  This is built in a fish pond and even during midday, it was not hot or humid here.  We saw the resort owner fishing in one of these cottages and it got me thinking that I can retire here, if not in a farm!  I love how peaceful it was just looking at the water, with the soft breeze blowing in your face.  This is the life!
And with a view like this on the water, with a book and no schedule to laze all day, I can think that I am already retired and living the good life!
But its way too far from where I am in my life right now so I will just take these moments to imagine what could be :-)

May 13, 2012

I am loved!

I may not have the dream house that I want because it is a work in progress, but I have the kids that I have wished for all my life.  I feel so loved! Thanks Drex, Danniel and Ishi, abnd my sister Kris too!

May 11, 2012

My Dream Wedding

If asked about two things that I want to have, it would be to have my dream house and, to have a church wedding.  I have not yet been married in church because we only had a civil wedding way back 14 years ago.  I know that it is every womans dream to walk down that aisle, dressed in white, to be met by the man she wants to spend the rest of her life on the altar, and for God to bless their union.  But once you are a mother, yor priorities change.  Suddenly,  there are  bills to pay and kids to raise and everyday expenses to live with.  And so my dream of of having a church wedding just stays at the back of my mind.  But when I saw the other day a feature on New York Estate Weddings, I again remember my dream.  I suddenly realize that my dream can actually become real with the help of a company like Estate Weddings and Events. I was thinking that maybe a year or two would be enough to save money for this wedding.  I know that my family will support me on my dream because, this is also for them: a validation of our family.