Sunday, August 24, 2014
Sorry I have been away all this time, but I would have never thought that buying a home would be such a time-consuming and exciting process.
If you would have asked me a few months back what I was planning for the future I would have said "oh, I don't know"... See, I am the most indecisive person I know, I have the hardest time deciding on a menu (unless it has shrimp). But this year we were contemplating moving to a bigger apartment since we both got a raise in our jobs, and discovered that rents were just as expensive, if not more, than a mortgage payment. So we started doing our own research about what buying a home entailed. Everyone was saying, "this is the best time to buy, the housing market it's coming back up, and the rates are so low!", so with that advice we decided to go ahead. Turns out, it's a lot of work.
First of all, we took a homeowners class and we found out that it all comes down to money (really though, what doesn't).
We were thinking that there was some help for first time home buyers, and there is (lots of it), if you're low income, but if you're anywhere close to the middle class you're no longer low income, so there is no help. In order to get a mortgage loan it is usually required to put down 20% of a down payment, or else you're stuck with PMI (private mortgage insurance in case you default on the loan), till you pay 22% of the loan, which is pretty much money down the drain. If you cannot come down with 20%, there is always FHA loans which has worse rates than a conventional loan, but only require 3.5% down payment. But there are lots of different types of loans available, which I did all the research on (thank you, Internet!) and that way we decided which one was best for us.
We decided on a conventional loan. And we picked a Centex home. Centex homes are all over the nation, and they are ALL built to the same standards - according to our sales consultant. That means that a Centex home in New Mexico would be designed with the same standards as a home in Florida which is designed to withstand hurricanes , which in turns would be designed to stand earthquakes if California. Again, this is according to our sales rep. They also do their own financing, and pays for closing costs if you go with their financing company, which makes it really convenient, and so far we have had a great experience with our sales person and our loan consultant.
Regardless of the financial and the sales aspect, nothing beats the satisfaction of the prospect of owning your home. Plain and simple. It's a dream come true. I dream I used to have as a child, but was dismissed as a teenager, and completely disappeared as I finished college and started a new life as an adult. But owning a home is possible, and it became a dream come true for me and my boyfriend, with no one's help, our own research, and our own hard work, it is something we are extremely proud of to have accomplished. Though we will be locking our interest rate in a few weeks and closing a few weeks after, our house is under construction, but it will be finished in the upcoming months!
The most exciting part is seeing the progress every week!
Our first home with our own master bedroom with a huge bath tub, and our own fire place and our own back yard and no more apartment living!!! I'm in cloud 9.
Disclaimer: All opinions are my own, I was not in any way paid for this post.
Sunday, July 6, 2014
Tesla loves food. Dry food, not so much. Wet food, well, that's a different story. She'll devour anything that's delicious and juicy.
Thanks to Crowdtap, I was able to feed my hungry cat some Ideal Balance by Hill's cat food. Tesla's Ideal Balance package came with some wet food, treats and a laser pointer to keep her busy and fit. I gave her a little bit of this mixed with her regular food for a smooth transition. Usually, when I give her the food I usually feed her, she ignores and eats when she's hungry for real. As soon as I put out the plate of dry food with Ideal Balance she ran to the bowl, smelled it and looked at me all confused and happy at the same time and started eating it right away. Exciting! The best thing about Hill's Ideal Balance cat food is the fact that it doesn't have any grain and it's made right here at home in the USA! It contains the perfect amount of nutrients which aids with weight loss and helps maintain the weight. She especially liked the wet food and eat it in two minutes. She enjoyed the treat as well, but her favorite was the wet food! She's happy and fully and I have a piece of mind that she is eating something that's good for her!
Disclaimer: Tesla my cat received this from Crowdtap and Hill's Ideal Balance with the purpose of review. All of our thoughts and opinions are our own. Thanks for reading!
Sunday, June 22, 2014
Playtex Sport Fresh Balance!
What it is:
Thanks to Influenster I was able to try this regular absorbency plastic tampons. It has a light scent, 360 degree protection and odor shield.
This is my first time trying a Playtex product, and I have to say I like it. It's perfect for every day things that involve more active or heavy duty activities. The light scent is fresh and pleasant, without being overwhelming. A pantyliner is still necessary for back up. The applicator comes in a cute pink plastic tube with a rounded tip for easy application. It is individually wrapped for easy transport inside a purse, so it's very discreet. It's comfortable and it feel like you're not wearing anything. I'll definitely use again!
Disclaimer: I received this product for testing and reviewing purposes from Influenster. All opinions are honest and my own!
Thanks to Influenster, I was able to receive the Spring FlingVoxBox! Here is what's inside and what I like so far about each product inside:
1. Card that explains what's inside the box.
2. Playtex Sport Tampons - they're perfect for working out or running around, or just being active with odor protection, keeping fresh all day long.
3. Nivea Firming lotion - for firmer, toner skin. Deliciously fresh, non oily, and perfect for everyday wear. I love the travel size they sent me, which I carry inside my purse all the time.
4. Rimmel Scandeyes Mascara - tons of volume AND length, in a very, very black color. No clumps or anything like that, but this is pretty average for a mascara. Great for the price of $6.
5. Kiss Everlasting French Manicure - the perfect long lasting French manicure, without all the hassle.
6. Softlips Cube in Pomegranate Blueberry - 5 different benefits, including SPF15. Delicious minty-berry flavor. Leaves lips hydrated and this is my favorite product in the box
7. An extra. Peach pie air freshener from the Labor Day movie - Looks like pie and smells like Peach pie!!! So Yummy! I haven't seen the movie yet, but if the movies is as good as this smells, then it's probably pretty darn good (plus, it has Josh Brolin and Kate Winslet, two favorites of mine).
Disclaimer: I received this box courtesy of Influenster for purposes of testing and review. All opinions are completely honest and my own.
Thursday, June 19, 2014
Litter Genie is a life saver, recently, the city where I live banned plastic bags, That's what I used to use to dispose of the litter box for my cat Tesla. Thanks to Crowdtap, I was able to receive one Litter Genie to try. Here are my thoughts:
As I said before, the city where I live banned plastic bags, and that's what I used to use to dispose of the littler. On top of that, I live in a tiny apartment and really sometimes the smell is not the best in the house, because of the litter box. I was almost running out of plastic bags when I was picked to sample Litter Genie. Yay! Litter Genie is an innovative litter disposal system, which helps with litter odors. I have to say that it works! Not only does it eliminate my need of plastic bags, but it helps control the odors. Litter Genie uses its own plastic film, which is refillable. It keeps little for up to 14 days. After which you use the built in cutter provided to cut the film, and get rid of the litter, pull some more film out of the refill, tie a knot, and voila! Little Genie also comes with its on litter pail, which goes conveniently on the side of the device.
Also, the white design makes it easy for customization, so if you want to put stickers or write on it, you can! I chose to write my cat's name on the front top part in purple Sharpie.
In conclusion, littler genie is great for those households with one or more than one cat, it takes minimal space, and for me, it works great because my apartment is so small. It does a wonderful job keeping the odors under control (yay! no more daily trips to the shared trash can), so I will keep on using it for sure.
Disclaimer: I received this product from Crowdtap and Litter Genie for purposes of review. No other compensation was received. All opinions are honest and my own. Thank you for reading!