My Pink Shoelace

Part of the wish list he has sent out to all of us for his upcoming birthday includes industrial handles, iPod compatible speakers, and a laptop cooler. Of the three only the first on the list has not been “claimed”. I mean all of us had a conference chat last night excluding the birthday boy of course to compare notes on what gifts to buy. Seems like I’ll have to be heading to the hardware stores tomorrow.

I have a brother who is so addicted to playing online games especially World of War Craft. I am not very familiar with playing the actual game and it’s storyline because I’m more into the internet side of computers. However, his addiction is really something worth admiring in a sense that he is passionate with how he plays the game. He sometimes purchases a world of warcraft game card just so he can spend time to log online and get his daily fix of his favorite play. It’s amazing how he stays up despite the lack of sleep just to be able to get into the feeling of belonging to a group of people who share the same interests as him.

One time he purchased a wrath cd key in order to make sure that he is purchasing a licensed copy of the game because he’s so dedicated to it. Despite having a day job as well as some night projects at work, he still is very keen on spending some good world of warcraft game time as he doesn’t want to be separated with the latest updates on this game. He’s planning to join some tournaments in the future, that’s why needs all the practice he can get.

Ever been on a debt you feel like you can not get out of? If the answer to that is yes then you are not alone. Statistics shows that an average American owes at least $9000 on credit card debts alone now isn’t that scary or what? According to another study by the American Bankruptcy Institute 391,873 people filed for bankruptcy in 2002 and that an American household would have a minimum of 13 credit cards. So imagine the struggle one must have had on a monthly basis in order to pay all these debts and not to mention other types of loans typical families would have on top of their credit cards. The trend with financial firms and institutions these days is to offer consumers what they call debt consolidation where in you would take on loan to pay all other loans. The same thing also applies to the consolidation of credit card bills which is called credit consolidation in these types of financial arrangement there is often debt negotiation in place to suit both the company and the debtor.
It is better this way rather than have the debtor claim bankruptcy, they get to pay off their loan at a cheaper rate and in a reasonable amount of time.