Oh Life!
January 17, 2015

There are so many companies and banks willing to give a loan to the needy. However, in their books, needy would be classified as one who is financially stable and will be in a position to repay the loan in certain number of years.

If you are looking for a home loan and have seen rejections from loan officers, we have some tips that might help you get an ideal loan for your new home.

Get your property valued by an expert

Let him determine the value and accordingly approach a loan officer who shows interest in your case. Having a professional value’s stamp on your papers will strengthen your case.

Look for a Cosigner

With an average income, you cannot get a big loan. So, look for a cosigner who is financially stable and has enough disposable income. It doesn’t matter whether the cosigner is living with you or not. If he is okay with letting the loan office consider part of his income towards your loan amount, go ahead.

Look for a smaller home

Yes, you will sleep in your dream home someday but for the now, let’s start small. So, look for a less-expensive property and apply for a loan.

Clear your current debts

You know that your debts do not impress the loan officer. So, get rid of them before approaching him. Give him a clean report that is debt-free.

Approach with a higher income

If you are about to get a promotion or a gain is expected to cross your path, wait for the same. This will improve your file and will make it easier for the loan officer to approve your file.

Wait for the right time

If the economy is draining, you cannot expect loans from the banks. So, wait for the economy to stabilize and then approach the officer. For this, you should keep yourself updated on the current situation of the housing market.

If they are at ease to lend money, your chances of getting a loan will be higher. But if they are short of funds, you can be sure that your loan application will be rejected.

Save more

Cut down unnecessary expenses, work harder, and live a healthier life – this should be your motto. Evert noted point will add to your savings. So, save more and improve your financial condition.

Credit score

If you are approaching a bank for a new loan, be sure that you have not defaulted on previous loans, if any. That will have a negative impact on the loan officer.

With a better credit score, you can improve your chances of getting a loan.

Want to improve your credit score? Look for books that can help you understand the tips and tricks that can be used to get you a better credit score. Before buying such books, visit Chameleon John and look for coupons that can help you get a discount on your purchases.

What else have you tried to get a loan from the lender?

December 27, 2014

The Billboard music charts keep track of how often radio stations play songs to determine where songs rank on its list of top songs. While some songs bounce back and forth between different spots, other songs rise to the number one spot and remain there for weeks at a time. These are the songs that people still love and listen to even years after the songs disappear from stations. Even those who work in the industry or have a passion for music might find themselves surprised at which songs remained in the top spot for the longest period of time.

Longest Chart Topping Song

The longest chart topping song in history is a collaborative song between Mariah Carey and Boyz II Men. Both were already successful artists on their own when their label suggested that they record a song together. Released in November of 1995, “One Sweet Day” made it to the number one spot on the Billboard Hot 100, Billboard Pop Songs, Billboard Adult Pop Songs and Billboard Adult Contemporary Songs charts. It also charted in several other countries, including Australia, Italy, Germany, Canada, Ireland and New Zealand. The song remained in the number one spot for 16 weeks.

Runner Up Songs

Boyz II Men also had a hit number one song in 1994 that remained in that spot for 14 weeks. “I’ll Make Love to You” quickly rose to the top of the charts after its release. Five other songs also topped the charts for 14 weeks. Whitney Houston did it in 1992 with “I Will Always Love You,” which also topped the charts the following year. Los del Rio hit number one with “Macarena,” and Mariah Carey made the list again with “We Belong Together.” Other songs that stayed at number one for 14 weeks include “I Gotta Feeling” from Black Eyed Peas in 2009 and Elton John with his tribute to Princess Diana, “Candle in the Wind 1997/Something About the Way You Look Tonight” in 1997 and 1998.

Also on the Charts

Boyz II Men gained fans like Jordan Kurland and others with “End of the Road,” which made it to the top of the charts in 1992 and stayed there for 13 weeks. Brandy and Monica tied that record with “The Boy is Mine,” which they released in 1998. Jordan and other music fans can still enjoy the top chart topping songs of all time from artists like Mariah Carey, Boyz II Men and Whitney Houston.

November 24, 2014


Inviting friends and family over for the holiday doesn’t mean you have to spend much. Frozen turkeys are definitely cheaper, but prices drop even more the week of Thanksgiving. If you want to score a cheaper bird, buy it a day before Thanksgiving. Sometimes, you can even get a second one free.

November 24, 2014

My mom loves wood furniture. She especially likes Rose wood because it has a reddish hue and the wood is pretty strong. When my brother gifted her with a coffee table made of cherry veneer wod sheets, she fell in love with it. We don’t find this kind of wood around here. It’s usually imported. This Christmas, she’s in for another surprise. My sister and I are planning to give her side table made of Cherry wood. I’m sure she’ll be so happy.

November 24, 2014

vancouver 2

My entry for Blue Monday.

November 11, 2014

With so many discount sites available on the internet, it’s hard to know which ones are the best and actually worth your time. We have done all the work for you and have found the top four China wholesale sites on the internet.


DHgate is truly awesome, they are the first and largest wholesale website on the internet. They are sitting pretty at the top, and are the quickest growing type of e-commerce through cross-border trading. DHgate provides a way for customers to buy directly from suppliers in China, and this allows them to get incredible discounts and coupons that normally only company’s buying in bulk would receive. They are committed to providing customers with an outstanding experience.


Aliexpress is an amazing site that brings the best prices to customers all around the world. Customers are purchasing directly from the factory and there is no minimum requirement on purchases to receive the discount. They also offer buyer protection for all customers including, express delivery options and tracking on every item. They offer products in every category you could possibly think of.


Tinydeal is one of the top Chinese wholesale suppliers on the web. There are more than 50,000 distinctly different types of merchandise and even popular brands available at some of the cheapest prices around. They proudly offer quality items to the general public, straight from China. With so many options of merchandise, you will always find what you are looking for on this amazing website.


Chinavasion is the number one website that provides electronics and gadgets at wholesale prices to the public. They are different from the others because they guarantee that all items available for sale are top quality. Their products are shipped out within one business day and they all come with a 12 month warranty. This is the number one site for anything electronics and gadgets.

October 28, 2014

Every person that needs a California payday loan option is in need of something that will be approved quickly. There is no need to use a service that is not going to respond quickly, and all these services can be found online. The best way to get a payday loan is to apply through the service described below.


Everyone who applies for these loans can fill out an online form in just a few minutes. The online application needs come basic financial and personal information, but it does not delve too deeply into the family’s finances. The application is submitted to the online system immediately, and underwriters get to work as fast as they can to get an approval done.

The Approval

When people are approved for these loans, they will be able to get their cash quickly. They are notified over the phone or via e-mail. Once the applicant is ready to get their cash, they are going to have a chance to get their cash via cashier’s check or a direct deposit. Either method can be completed quickly, and the applicant will have their cash in hand.

Paying The Loan

Once applicants receive their cash, they need to make sure that they understand the terms of their loan. The payments must be made on time, and the applicant needs to contact the lender if there are problems. The lender is often able to work with the applicant, but applicants that are not communicating with the lender will have their accounts sent to collections. It is best to make a plan to pay the loan back, and it is even wiser to ask the lender for help when trouble arises. Every person who needs a payday loan must take the necessary steps to keep their account in good standing.

A payday loan can help any family get through tough times. Also, these loans can help the family to make sure they get back on track with their finances or other items that have held them up in the recent past.