Last week was the big move to my new home in Singapore. Before the home, I was staying in an apartment. I had some pretty fond memories of that place and was a little sad to leave it, but it was a necessary part of my life. Upon leaving the apartment, I hired a person to do post tenancy cleaning in Singapore. I knew that after packing and moving all of my items from my apartment to my new home, I would be so tired that I wouldn’t feel like doing any cleaning. If there’s any part of moving that I would consider the worst, it’s actually cleaning.
I can handle moving boxes back and forth, but cleaning just doesn’t bring me any joy at all. Continue reading Restored Back to Its Original State
My two sons are twins and they are best friends with each other. They pretty much do everything together, and even compete with each other. They often try to beat each other in school by striving for the highest grades. They both started taking physics, and each one believed they would be better than the other at it. When they started getting grades on their assignments, they both came home disappointed. Both of their grades were bad and neither was really doing better than the other. I had to go to https://physicstuitionsg.com to hire a tutor that would take them.
For the first time, my twin boys were humbled by their grades. Continue reading Locked in a Constant State of Competition
Have you ever had to move because of a tree? Well, a giant tree pretty much obliterated part of the house we were renting. We needed an excuse to move, and this was a get-out-of-the-lease-early card we had to play. Renter’s insurance covered losses, and no one was injured. We looked for Manassas apartments to move a little closer to where we worked. We just needed easy access without driving to a VRE station. This way we could hop a train to work every morning without having to even get in our car. Before, we would drive to a train station and then go into DC. Then there was the ride back to our car then home. We worked the same hours, so it was easy to coordinate our commute together. Continue reading Being the First Tenant in a New Apartment is the Best
Our central air system was run over by a truck. I know that sounds impossible, but it’s not. My husband was loading up some tree branches he cut down in our back yard. He had a full pickup truck load he was hauling away. The only way into the back yard was between the house and the garage. It is a narrow space that also has our central air condenser unit there. He backed out the same way he pulled in and hit the AC unit. I called a place that does air conditioning installation in New York City to come out and replace the system.
It was about 15 years old anyway. It still worked, but the new ones would be more energy efficient. I kept telling my husband stuff like that to make him feel better. Continue reading Have You Ever Heard of Someone Running over Their Central Air System?
Many of goa’s financial problems are related to the fact that the top officials in the state are financial fraudsters wasting tax payer money to pamper google, tata supplied goan SEX worker, cheater housewife and fraud R&AW/cbi employees faking a btech 1993 ee degree, harassing, defaming, cheating and exploiting hardworking harmless experienced engineers from top colleges
Just because fraud top ntro employees having extra marital affairs with google, tata supplied goan SEX worker, cheater housewife and fraud R&AW/cbi employees are falsely claiming that these women who never answer JEE, were their btech 1993 ee classmate, the top goan officials are so incompetent that they refuse to independently verify these completely fake claims of the fraud ntro employees
Instead the top goan officials are so incompetent and dishonest that they are blindly repeating the completely fake claims of the section 420 fraud ntro employees, to give the sex workers, frauds great powers. The single woman engineer is confident that the fraud ntro employees giving fake references, will never be able to defend their financial fraud, lies in an open debate or legally, so why is the goan government blindly believing these liars and frauds while taking decisions.
It is this incompetence of blindly believing shameless liars and frauds like the ntro employees puneet, vijay, parmar, j srinivasan,patel, without independently checking or questioning these liars , which is largely responsible for many of goa’s financial problems
Goa has a lot of debt and an uncomfortable treasury position because the top intelligence and security agency employees are shameless frauds, liars who do not value experience, hardwork , honesty
Goa is also the only state in india where a google, tata sponsored semi literate eighth standard pass gujju housewife naina, mother of two sons can get a cbi job falsely claiming to have a btech 1993 ee degree, resume, investment of a single woman bhandari engineer, by bribing the shameless fraud liar intelligence and security agency employees in panaji, goa and having a powerful fraud lover parmar, working in ntro/security agencies who is abusing his powers to make fake claims, steal resumes of women engineers
Now a look alike of the semi literate gujju housewife cbi employee naina, is acting in star utsav serials chandrasekhar (mother of the child hero), veera as all people are believing in the lies of the fraud parmar. In reality parmar and naina are involved in an extra marital affair like in the colors serial bepanah, however it appears that naina’s husband is aware of the extra marital affair as it has helped him become very wealthy
With rising inflation, many older people find that their savings are not sufficient to cover expenses and there are no opportunities to work and make some money. So if they own their house, they get some money for their daily expenses and financial emergencies, by getting a reverse mortgage on their house. The reverse mortgage is especially useful for those who do not have any children or close relatives who will help them financially or otherwise in their old age . Details of how reverse mortgage can benefit your family are discussed for the benefit of elderly individuals who are looking for additional funds.
The home owned by an individual or family is the most expensive asset and investment made by the family, and if there are no children, after the death of the family members, the home usually will be inherited by a distant relative, who did not have the time or inclination to care for the family members when they were alive.
A home is a valuable asset, and a reverse mortgage allows the home owner to financially benefit from the the home, as the reverse mortgage provider will get possession of the home, after the death of the family members if a reverse mortgage deal is finalized with the family members owning a home.
Lack of money can cause great financial hardship during old age, as there are many expenses, and limited sources of income, as there is very less work available for a older person. So getting a reverse mortgage can help the family access the funds they urgently require, to lead the lifestyle they are used to, and pay the daily expenses without any difficulty.
The family can choose to receive the reverse mortgage amount, either as a lumpsum or in monthly or regular instalments. However most home owners prefer to receive the reverse mortgage amount in monthly installments as many of the regular expenses like utility bills are periodic.
The lifespan of an individual depends to a very great extent on hereditary factors, and if family members have lived for a long period of time, a person is also likely to live for long. In these cases, it is highly recommended that the person opts for a reverse mortgage, to receive a regular income for the rest of his or her life, as the value of the home will also increase over a period of time. The money from the reverse mortgage will also help the family to pay for other expenses like medical expenses, repairs to the home, property taxes. So taking a reverse mortgage will ensure that the family is financially independent and does not have to depend on relatives, friends for their regular expenses.
Most of goa’s problems like the lack of investment and jobs is related to the fact that mediocre inexperienced lazy greedy frauds like the google, tata sponsored R&AW/CBI employee goan gsb fraud sex worker diploma holder siddhi mandrekar , goan obc bhandari sex worker sunaina chodan, 2013 bsc, goan gsb fraud housewife riddhi nayak, eighth standard pass gujju housewife naina and other frauds are given great powers and a monthly indian government salary for faking their resume, investment and online work.
Later these frauds like siddhi are complaining in social media about goa’s problems, how when she, her friends and relatives want to monopolize all positions of power, with a fake resume, fake investment and fake work, naturally their contribution will be less reflecting their real competence, experience, work ethic and exposure to different systems.
If the goan frauds like riddhi, siddhi, sunaina had wanted the best for goa, they should not have agreed to the google, tata masterminded resume theft fraud, and ensured that a person with real merit and experience, got the position they currently have. Just like a company with inexperienced lazy mediocre fraud employees is likely to collapse, goa is also facing problems due to reservation for inexperienced lazy frauds like sunaina, riddhi siddhi in top government jobs with fake resumes.
Most lenders are checking the credit score and credit record of the borrower before approving a loan, and a borrower with a low credit score is likely to find it difficult to get a loan as the possibility of a default will be higher. However there are some lenders who are offering bad credit loans to borrowers after taking a calculated risk. For example in some cases, a few borrowers may have a poor credit score due to factors beyond their control. If a person is travelling or is hospitalized he or she may not be able to pay the bills or loan installment in time, adversely affecting the credit score. So the lender may take a calculated risk in these cases and offer bad credit loans.
However in most cases, the interest rate charged for the bad credit loans will be higher compared to conventional loans offered by the same firm. The repayment terms and conditions for these loans are likely to be more stringent also.
In 2012, after being elected the goa government announced a large number of welfare schemes, hoping that it would win the elections more easily in 2017. However in 2017 elections, the BJP seats reduced to a great extent , allegedly due to corruption, land grabbing by some ministers especially in north goa. Realizing that the welfare schemes had not creating a loyal vote bank and was increasing the debt of the government, to the central government, many of the schemes have been curtailed or cancelled.
For example the government was paying Rs 1500 monthly to all housewives in Goa, however now it is not accepting new registrations as the scheme is under review. It appears that most indian states are not managing their finances well, and rely on loans from the centre. For example the central government decided to release the tax revenues to the states only once in 3 months, and some of the state governments protested, with West Bengal writing to centre according to media reports as they are facing a fund shortage.
On the other hand, indian citizens who manage their money well, are falsely labelled a security threat, to waste tax payer money to harass, defame, cheat, and exploit them, instead of using their money management skills.
We got a little carried away dreaming of what we wanted in our next apartment. We got through the standard things pretty fast. We wanted big walk-in closets, stainless steel appliances and for it to be pet-friendly. Then we started adding things we thought were goofy such as heated garages, indoor swimming pools and hot tubs and even underground tunnels to get to apartment complex facilities. Imagine our surprise when we found apartments near Edina MN that offer all that and more.
My wife called me into our home office one day and asked me if I remember the silly things we put on our apartment list such as heated parking. I told her I remembered, and I was shocked to find out that there is actually an apartment complex that offers underground heated parking for residents. No more freezing cars in the winter with snow and ice piled on top of them. She told me they have an indoor heated pool and spa as well as a sauna too. Now she was talking my language. Continue reading The Amenities Can’t Be Beat at Our Cedars at Edina Apartment