Archive for December, 2009

Is Debt Avoidance Illegal or Immoral?

Posted in Debt on Thursday, December 31st, 2009 at 08:49 by Sarah Evans.

Some people believe that avoiding incurred debts may be illegal, immoral, or both. In the recent past, there have been loopholes that allow people to avoid paying off debts if the creditor could not produce an original copy of the agreement made between company and consumer. A new High Court ruling may have obliterated that loophole, much to the chagrin of the debtor. According to the new rule, the creditor may supply other documentation other than the original agreement to show culpability on behalf of the debtor. Therefore, the debtor would be legally responsible for repayment of debts. The ruling also states that the creditor may continue to report the non-payment to credit agencies until the debt is paid, regardless of the proof presented. In other words, if the creditor can’t prove his case in court, he can still tack the non-payment stigma to the debtor’s credit report. For those not familiar with credit reports, it still means that future creditors, such as banks, mortgage companies, credit card companies, etc., will still see that negative mark and will most likely hold it against the debtor by incurring higher interest rates or outright refusal.

The Answer for Non-Smokers – Electronic Cigarettes

Posted in General on Wednesday, December 30th, 2009 at 09:12 by Sarah Evans.

I love my family. Really, I do. What I don’t love is the fact that almost all of them smoke. Not only is it bad for them, but it is certainly a problem for us non-smokers. In addition to having respiratory issues to begin with, I am allergic to tobacco products. You can see how it might be difficult to visit with loved ones who continue to chain smoke regardless of who is in the room. I’m not trying to be judgmental, after all, I’ve done that and it did not work in the least. Not to mention that people were none too pleased with me, even though I have a legitimate beef on that subject.

DVDs are the Answer

Posted in Shopping on Thursday, December 24th, 2009 at 10:27 by Sarah Evans.

For the past couple of weeks, I have been grousing about what to buy for certain people. I love giving gifts, probably even more so than giving them – IF I know what to buy. That is the hard part for me this year. My friends and family are very practical in their wants and needs and mostly everything they want and need, they already have. Suddenly, I remembered that one of the favourite gifts received from my parents two years ago was a DVD collection of the movies made by Mel Brooks. I cannot believe that I forgot how much those in my life love movies!

It’s a Big Pizza Pie!

Posted in Fun on Wednesday, December 23rd, 2009 at 11:28 by Sarah Evans.

Have you ever had one of those days where you would seriously consider giving a limb if only you could have a piece of pizza? That is what my day is like today. I assume that many other people feel the same way. Then I thought to myself that the only thing better than pizza is pizza at a discount! Naturally, we have sites that offer discounts, vouchers and cash back on items purchased at specific pizzerias.

The Beauty of Online Pharmacies

Posted in Shopping on Tuesday, December 22nd, 2009 at 11:54 by Sarah Evans.

Today I had to go to my pharmacy. Once I got there I was more than a little dismayed to see the long cue to get inside. The worst part is that I had to go through the cue twice to pick up my order even though I had called ahead. (Actually, I e-mailed the order in a few days ago.) I was there much longer than I had intended and certainly much longer than I would have liked. While I was standing there waiting, I tried to remember why I was there and had not used an online pharmacy. I have used them in the past and was quite pleased with the fact that I did not have to wait and had the medicines delivered directly to my door.

Cancer Research May Save Lives

Posted in General on Monday, December 21st, 2009 at 11:34 by Sarah Evans.

A few years ago, someone very close to me was diagnosed with stage 4 cancer. I’ll spare you the medical jargon, but basically it was in his sinus cavity and working its way into his brain. It was an extremely rare form of cancer and the doctors gave him three months to live. It was especially rare because he was in his late twenties and this particular cancer was only common in people in the 70s and 80s.

When Weddings Go Awry

Posted in Insurance on Friday, December 18th, 2009 at 11:35 by Sarah Evans.

Yesterday I wrote about some of the trends in the wedding industry from gifts for the groomsmen, bridesmaids, other members in the bridal party and parents to favours for the wedding reception. The face of event planning is changing with digital printing to customise various items to the happy couple’s desire to outshine every other wedding they have ever attended. This trend brings about some interesting mishaps as well, ones that are generally unforeseen until it is too late, such as the weather.

Planning a Wedding

Posted in Shopping on Thursday, December 17th, 2009 at 11:20 by Sarah Evans.

Planning a wedding can be an intense experience. There is the moment when you realise that all of your hard work, organisation and skill has come to fruition. Everything matches the way it should, the best man is wearing pants, the flowers are perfect, and the musicians have arrived on time. There are also a hundred things that can go wrong but more about that in a minute.

Scratching the Itch – the Truth about Scratch Cards

Posted in Fun on Wednesday, December 16th, 2009 at 11:59 by Sarah Evans.

Scratch cards can be a lot of fun. They can be even more fun if they are free! There are several sites online that offer a limited amount of free scratch cards. Some have a catch, some do not. Almost all want you to buy products from their advertisers, which is of course, how they make the money to give away. There are some tricky sites out there that want you to believe that it’s a one off when it isn’t that way at all. Some places require you to agree to participate in offers from their sponsors or agree to receive adverts and offers via e-mail. As with everything, be sure to read the fine print as well as the terms and privacy policies to ensure that you are not getting roped into something you will later regret just for a chance to win fabulous prizes and/or cash. With our busy lives, many of us have a habit of agreeing to terms without reading them. Yes, as much as I preach against that, I have done it too. And I’ve also regretted it at times.

Perfumes For Everybody

Posted in Shopping on Tuesday, December 15th, 2009 at 11:02 by Sarah Evans.

Perfume is one of those items that can be either a blessing or a curse. Some people love it while others cannot tolerate the smell, even if it is something pleasant. My recommendation is that unless you know the gift recipient well, you might be better off buying a gift certificate or asking in advance if perfume is on that person’s wish list.