health insurance is very important, especially for family like ours, we have two little kids, but since my insurance has been expired with my work, I have been buying the cheap insurance which would only cover minimum stuff and our deduction is very high. I found this health insurance quote on line and hopefully we could find some deals which have more coverage, such as my daughter’s immunization? And the dedutable is not very high, currently we have $7,500 for each person, we hope to get something like $1,500 per person. Or I just hope to get some short term consulting job with my company again to get the better coverage.

I was checking the mortgage rate yesterday and noticed that the rate has been going up, does that mean people started to purchase house again? I hope the market is getting better and all the bad news have hit bottom. As lots of people have mentioned the credit cards debts is going to hit big next after the subprime mortgage. We are still paying off all of our debts each month as we do not want to pay high interest and right now we still have the ability to do so. But since we are in the process of doing our 2007 tax return, we hope that we could come up the money for Eric’s Sep, our Roth and to pay off all the taxes.

After having two kids, I kind of want to go back to gym to start work out again, but looking into the mirror, I do not look the same any more. I think mostly is my belly, I have never had it hanging down and now while I bent, I could see it hanging. I have been asking a personal trainer, she mentioned this is going to be hard to get rid of and the skin has been stretched a lot. Actually while I was pregnant I was using lots of good lotion on my belly the first time and the second time I was lazy so maybe this is the case then. So I found Laser Hair Removal Chicago, they are not only doing laser hair removal, but also they could help to fix the stretched skin that I had. Since I live in Chicago, this is quite convinient for me, I went into their clinic to check it out. The physicians are all experienced and they do have some case pictures to show to me. I talked to a couple of the physicians and feel that I could use them to help me. So I have my surgery scheduled next month. Hopefully everything would go very smoothly and in the summer I could start to wear my bikini again!

We have been very careful with paying our debts on time, as I know that once you start to have late payment, then there is late fees, financial charges and all kind of stuff would come to you. Then it will make your credit poor so that you will not be able to get a loan with a good interest rate or be able to open a credit card with no interest for the first 6 months or 12 months. My brother in law has had some financial difficulties 5 years ago, as he has to raise two kids himself with very little money. So he declared bankrupt and lost all his credit, now he wants to have a new family and to buy a new home, he could not be able to get a home loan. So I wish he would have known the Debt Management, so he did not need to declare bankrupt. Luckily he is making more money now and he is paying all the debts on time, so hopefully in a short period of time he could build up his credit again to be able to get a home loan. So the debt management is very important, everyone should know how to deal with your own financial situation.

We have got a fixed rate loan in August last year, while the interest rate was the highest, but we did not want to try the floating rate as we are afraid of the interest rate going up, plus we are the kind of people very conservative and we like to know our monthly payment all the time. When we noticed the rate was going down after we Secured Loans, we started to ask our loan officer to lock a new rate for us, She first got a rate of 5.875% then she got a 5.25%, but I told her to wait until after Jan, instead she told us to close as she would never know if the rate would go up or keep on going down. So we lost our opportunity to get the best rate at 4.875%, that rate just showed up in a couple of days and now the rate went back to 5.25%. So if I do refinance next time I would like to follow my instinct and try to get the lowest rate. But we had our loan rate lowered from 6.25% to 5.25%, I think that is a good deal already! But I will continue watch on good rates and hope we will get the low rates again in the future.