Are you in debt and you don't know how to manage it and pay it off? I believe a lot of people have this problem and they are worried they might end up having a bad credit history or much worst go bankrupt. This is a very sad thing to happen to any body's lives. Everybody doesn't want this to happen. My hubby and I doesn't want this to happen to us either. There are things to do to manage our debts and my hubby and I are trying our best to pay our debts every month. We don't spend our money beyond our means. We only buy the things that we need like our groceries, gas, clothings and foods. We set aside money to pay our house and our bills. My hubby make it sure that we pay all our bills on time and not miss any payment on our house. In other words, good financial management is the key to avoid bankruptcy. Now, if you are in debt and you need help to manage your finances, you can get the help of Clear Debt online. An IVA can help you become debt free! An IVA is a legally binding agreement between you and all the people and organizations you owe money to (your creditors). You can try to arrange an IVA when there is no real prospect of paying off all your debts. Clear Debt provides help and advice on how to avoid bankruptcy. As long as you are confident you can maintain the regular monthly payment that is agreed, an IVA could be the solution for you. At the end of a successful IVA you will emerge clear of these debts and debt free.

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I hope this does not offend anyone.....but its funny....

A girl walks into a bar in Texas , orders a beer and sits down at the
bar where a Mexican and an Iraqi are also drinking beers.

The Mexican drinks his beer and suddenly throws his glass in the air, pulls out his pistol and shoots the glass to pieces. He says, "In Mexico our glasses are so cheap we don't need to drink from the same glass twice."

The Iraqi, obviously impressed by this, drinks his beer, throws his glass into the air, pulls out his AK-47 and shoots the glass to pieces. He says, "In Iraq we have so much sand to make glasses that we don't need to drink out of the same glass twice either."

The Texas girl, cool as a cucumber, picks up her beer and drinks it, throws her glass into the air, pulls out her gun, shoots the Mexican and the Iraqi, then catches her glass. She says, "In Texas we have so many illegal Mexicans and Arabs that we don't have to drink with the same ones twice".

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My hubby and I have been married for more than five years. During our first year of being married, we were so sweet and romantic with each other. We were like inseparable and where I go, he was with me. Now after a few years, the sweetness is still there but not as sweet and romantic as before. The busy-ness of life creeps in. We need to think of romantic ideas to rebound relationships like most couples are doing to preserve their relationships and marriages. Writing romantic note or love letter will surely rekindle the fire and will make us love each other more and more as time goes by.

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As I was reading this article from my e-mail, I can't help but be alarmed by these statistics. We should be aware of what's happening around us so we can take some precautions. Just read on.

(A) The number of physicians in the U.S. is 700,000

(B) Accidental deaths caused by Physicians per year are 120,000

(C) Accidental deaths per physician is 0.171.

Statistics courtesy of U.S. Dept of Health Human Services.

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Now think about this:

Guns:

(A) The number of gun owners in the U.S. is 80,000,000.

(Yes, that's 80 million..)

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(B) The number of accidental gun deaths per year, all age groups, is 1,500.

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(C) The number of accidental deaths per gun owner is .000188

Statistics courtesy of the FBI

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So, statistically, doctors are approximately 9,000 times more dangerous than gun owners.

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Remember, "Guns don't kill people, doctors do."

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FACT: NOT EVERYONE HAS A GUN, BUT ALMOST EVERYONE HAS AT LEAST ONE DOCTOR.

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This is really an alarming threat. We must ban doctors before this gets completely out of hand!!!!!

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Out of concern for the public at large, they have withheld the statistics on lawyers for fear the shock would cause people to panic and seek medical attention!

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I love collecting different kinds of clocks. We already have several wall clocks hanging in our house. We have wall clocks in the kitchen, dining room, living room and in our bedrooms. I just want to look at the time so I wanted to have clocks all around our house. While browsing the net, I happened to see different styles of mantle clocks and it caught my eye. The site carries different designs and styles of clocks. I really like their Howard Miller clocks. It's one thing that we haven't have yet and we're dreaming to have one. Whenever we go and visit some of our friends and we see their grandfather clocks, the more hubby and I wants to have one too. I am so fascinated with the styles of Howard Miller mantle clocks. Oh my, all their clocks were exquisitely designed and they are so pretty! I like to have the Howard Miller Filmour Grandfather Clock. It looks so elegant and it would perfectly fit in our living room. They have also a clock's blog and I read there that clocks can transform the look of a home. It will make your house look so elegant especially with the presence of a Howard Miller clock. Just visit the site and browse at their Howard Miller clocks like grandfather or grandmother clocks, Mantel clocks, wall clocks, atomic clocks, home decor, watches and fine jewelries. They offer free USA shipping and in-home set up too. That is cool.

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We all need to read this one over and over until it becomes part of who we are!


HOW TO STAY YOUNG

1. Try everything twice. On Madams tombstone (of Whelan's and Madam) she said she wanted this epitaph: Tried everything twice...loved it both times!

2. Keep only cheerful friends.
The grouches pull you down. (keep this in mind if you are one of those grouches;)

3. Keep learning: Learn more about the computer, crafts, gardening, whatever. Never let the brain get idle. "An idle mind is the devil's workshop." And the devil's name is Alzheimer's!

4. Enjoy the simple things.

5. Laugh often, long and loud. Laugh until you gasp for breath. And if you have a friend who makes you laugh, spend lots and lots of time with HIM/HER. < /B>


6. The tears happen: Endure, grieve, and move on. The only person who is with us our entire life, is ourselves. LIVE while you are alive.

7. Surround yourself with what you love: Whether it's family, pets, keepsakes, music, plants, hobbies, whatever. Your home is your refuge.

8. Cherish your health: If it is good, preserve it If it is unstable, improve it. If it is beyond what you can improve, get help.

9. Don't take guilt trips. Take a trip to the mall, even to the next county, to a foreign country, but NOT to where the guilt is.

10. Tell the people you love that you love them, at every opportunity. I love you, my special friend.

11. Forgive now those who made you cry. You might not get a second time.

Lost time can never be found.

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