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Home General Interest

General Interest

Monet Salon Anniversary Mega-Discount extended!

Monet Salon Anniversary Mega-Discount extended!

I’m happy to announce that our anniversary mega discount event in honor of our 2nd year presence in beautiful Las Vegas has been extended until the end of November 2009.

We have been receiving so many bookings for the dates Nov. 14 & 15 that we decided to spread the love some more by stretching our promo.

So don’t worry, even if we can’t accommodate you for this weekend, we can schedule you for a later date to avail of our beauty deals! Please call us at 702-617-1200 to secure your appointment.

We are running special discounts on haircuts - 2 for the price of $34.95.

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Why hiring a debt settlement company can make your problems worse

ARE you thinking of hiring a debt settlement company to help you solve your debt problems? Before you do, maybe you should read this article as it could save you a lot of money and frustration.

One reason many consumers hire a debt settlement company is because their debt amounts have become simply unaffordable to them and they would like to avoid bankruptcy as much as possible. They see an ad by a debt settlement company on TV, in the newspapers or on the internet and it promises to get them out of debt for "pennies on the dollar." These consumers are fed up with the fact that the credit card companies have increased their interest rates to as high as 28-30% and they realize that with these outrageous rates, they are bound to remain in debt forever. So hiring a debt settlement company looks like an attractive option. Unfortunately, for a lot of people, it becomes their worst nightmare.

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Ate Mila Dela Cruz: A tribute to a great lady

Ate Mila Dela Cruz: A tribute to a great ladyLastTuesday, Nov. 3, we held a celebration commemorating the beautiful life of Milagros "Ate Mila" Dela Cruz—a caring, loving, hardworking and generous woman. She was 62 years young. At the Callanan & Woods Scovern Mortuary in Glendale, many of her friends gathered to reflect on her life, not to say goodbye but instead to say, "See you later!"
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Retirement planning 101

WHEN planning your retirement, it is important to remember that money, more than any other factor, will dictate most of your retirement decisions. Your level of financial preparedness for your retirement years will determine when you retire, what type of lifestyle you and your family will enjoy during retirement, and what might be left as a legacy to your heirs.

It has been said that no one plans to fail, they simply fail to plan. Nowhere is this idea more applicable than when it comes to meeting our retirement objectives. A sound financial plan can be the difference between meeting one’s retirement objectives and facing the discouraging surprise of one caught unprepared and with too little time remaining to change their financial course.

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Grand view approach to business – locating your office

NO matter what kind of business or field you are interested in, if you own the business, it is important to understand who you are and to learn what location is compatible to you. Location can mean region of the world, country, state, and city, all the way down to which side of the street you’re on and the type of land formations that surround you.

You have your own aura and energy system, which makes you unique. Based on your birth date, you will belong to one of two major energy types called Western Direction Pattern (WDP) or Eastern Direction Pattern (EDP). WDP people are compatible with the west, northwest, northeast, and southwest directions, while EDP people are compatible with the opposite directions of east, southeast, south, and north.

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The Condo that Couldn’t – Feng Shui Case Study
Delphine is a medical professional. Though she had reached a comfortable level in her career she felt she could do better in many areas of her life....
Mutual funds: Another way to invest
IF YOU are the average person, you may have a 401(k) with your company, and you might even have an Individual Retirement Account with a bank or other...
Are you feeling trapped by too much debt?
NO one ever wants to get into debt but at some point in your life, you may face a debt crisis. The reason is irrelevant. The problem may be...
Surviving in a hostile immigrant environment
"Wherever we look upon this earth, the opportunities take shape within the problems." —Nelson RockefellerDESPITE the enforcement of harsh and...
Should resident employees be compensatd for "stand-by" time?
Q:    I work at a board and care facility for the elderly. I am required to live at the facility and I have my own room there. My work hours are...
What happens to the balance owed on a foreclosure or short sale?
HERE are some of the questions and advice from different blogers online that I picked up and thought these would be general questions for a lot of...
Employee remedies for overtime violations
THE failure or refusal to pay proper overtime compensation is not simply a single violation of California’s labor laws. An overtime violation is...
Is a gift card dischargeable in BK?
THE 74-year-old debtor applied for a Lowe’s credit card on March 15, 2008. She said she had an annual income of $48,000. But her true income was...
Here’s the truth about bankruptcy
ARE you struggling with debt problems and have thought about filing for bankruptcy but are unsure if it’s the best option for you? Over the last 12...
Does hell exist?
Many people think that hell does not exist. They think that such a horrid place cannot exist because a loving God would not create such a terrible...
Protecting employees when they assert their rights
IN PREVIOUS issues we discussed an employee’s right to refuse an employer’s instruction to perform work that violates the law. If the employer...
Women must focus on retirement income
Whether they are the breadwinner in their household or not, preparing for retirement should be extremely important to women. One item of planning...
Emergency – are you prepared?
EVERY year we face possible disasters – wildfires, earthquakes, tornadoes, hurricanes and winter storms. If a disaster strikes your home, are you...
Too much debt making loan modification difficult or impossible?
AS the mortgage crisis continues unabated, more and more people facing foreclosure are also being forced in to bankruptcy. It appears that a lot of...
Begin the Beguine with Vigan (Part 3 of 7: A Case for Coming Home)
"The real voyage of discovery consists not in seeking new landscapes, but in having new eyes." — Marcel ProustHere’s a thought. How about playing...
Here we go…with finality!
If you are reading this weekend paper on Saturday, Nov. 22—this day is quite eventful for Reflections. As I write this, we are heavy in...
What is an advanced healthcare directive?
IT is often difficult for individuals to think about the care and treatment they want in the event they are incapable of making their own health care...

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Balikbayan Magazine Issue 9 Vol. 1 November

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