Author Archives: adviawriter

About adviawriter

Contact me via www.blogph.net or Twitter @marcyscreed.

Viral Photo: Mother Places a Leash on Her Child

Filipino netizens are once again busy with new viral photo and this time no longer involved politicians and celebrity. Filipinos found a photo where a mother tied a leash around her son posing like a dog.  This photo was posted on Facebook.  It immediately caught fire and has already been shared more than 4,000 times and with more than 5,000 comments which were mostly angry towards the mother. 
Now, when you look at the comments, you will find that there are individuals who found nothing wrong with the picture and presumed that it was just fun time for both mother and child.

Mother Places a Leash on Her Child
Is it really a fun picture?  Personally, this is not the first time that this kind of incident occurred.  Probably, there are many fun moments in the family which other people might find offensive but the family did not. For example, it has been part of many families to teach toddlers to answer the question “what’s the problem of your papa?” and the child will act by pointing pressing his point finger to the other palm suggesting sexual intercourse.  This is indeed funny, but when you post this moment on social network, it divides the whole citizenry. 

Image taken from Facebook
What does this mean?  Is there a dichotomy of principles and morals
involved here?  Apparently, the message in this “mother treats child like a dog” situation is that since it is a family fun time, it should be left that way; there should be no evidence of this perceived child abuse.  One netizen commented
that some people were quick to judge based on a single photo alone and will not
bother to find the real context of the picture. 
 
For some, this might be a simple case of being politically correct; thus, the accusation of child exploitation.  However, one should always try to see the whole she bang at a different angle. This is no different on other perceived child abuse situations in different parts of the world, in particular where the child works to help the family.  Rich nations frown on this situation, yet many citizens of rich nations do not bother to help the child and the family.  This is no different from instances where parents use spanking to or perform hand me down discipline practices which are perceived to be violent in the western world but culturally correct in some countries. 
Yes, the Department of Social Welfare and Development is correct to look into this matter.  There are lingering or more serious issues involved here.  Some possibilities may include the following; the mother might have a mental illness, a neighbor with a grudge decided to capture the image as a revenge to the family, or it could be part of tantrum coming from the child.  The possibilities are endless and it is not right to judge quickly.  Perhaps, like medical doctors do, DSWD should find the root problem of this situation and prescribe corresponding actions; not just to find guilt or wrongdoing.  This might be a case of maternal or child rearing stress on her part and it should be acted accordingly; not to make her liable but understand her psyche as possibly she is not alone doing this kind of thing.  
Originally posted on http://www.blogph.net on 5/26/2015
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How to Book for a Private Transport to Legoland Malaysia

Your family is excited to travel to Malaysia and see the well liked Legoland. Part of your activities is of course preparing itineraries and other travel essentials like passports and plane tickets. Other than these, you should not forget to book for private services like a car or van transport for your whole family or tour group. Do you have any idea how?

entrance_legoland_malaysia

Why You Should Book it First?

Before that, you should know the importance of booking for transport services ahead. While there are available taxi, car rentals, and van services for hire or rent, you might contract a service provider with several issues as you travel from the airport to your hotel then to Legoland and other interesting destinations within the area. If you pre-booked your transport services, you will avail of the following benefits:

  • You are assured of a professional driver who drive your whole family safely during the Legoland trip. You can even ask interesting details about some of the sights you see as you go along the trip.
  • You are assured that the vehicle you are renting, whether it is a van or a sedan, is in good condition. Thus, there is no need to worry that the car will stop in the middle of the highway. Also, the chances of figuring in an unfortunate accident are very low. You can trust that your family will reach the destination unscathed.
  • You can negotiate for price and even select your own type of vehicle to use. When you book a transport service beforehand, you can search different car or transport services and compare their rates. It is also important, that the service you select has numerous choices so your family will have a conditioned vehicle to ride going to Legoland.

How to Book a Transport Service

Generally, your travel agent will take care of the transport service from the airport and to your other destination within the area. However, you can also do it on your own. Here’s how it’s done:

First, you must search online or seek recommendations from friends who used similar services before if you have no first-hand experience.

Second, compare and contrast the rates. You should equate the rates with features or services that go with it like driver included, side trips, gasoline, and overtime fees for drivers.

Third, check on their professionalism. You can do this by chatting or talking with a representative of the transport company over the phone. And from the responses, you can conclude if they are reliable or not.

Lastly, clarify shady matters first. If they can provide you with the contract, read the fine prints so you will not have issues that will affect the mood of your family members or dampen the happiness that the trip hopes to achieve.

Yes, indeed, Singapore to Legoland taxi transport services are one of the most important aspects of your travel that you should take care of.

A Salute to the Male Organ

In different parts of the world, festivals are staged for various reasons.  Generally, the reasons include thanksgiving for bountiful harvest, honoring saints and local heroes, showcasing local products, and remembering culture and traditions.  However, there are also places in the world which have weird reasons.  Take for example the Penis Festival in Japan. Every year during March 15, a little town in Nagoya called Komaki holds “Hounin or Kanamara Matsuri,” otherwise called “Penis Festival.”


Originally, the festival was celebrated to commemorate the legend about the defeat of a female demon which bites male organs.  The monks at that time manufactured a male organ made of steel and it caused to break the teeth of the female demon.” According to folklore, the festival find its origin way back in 1500 when a local maiden named Tamahime, a daughter of a rich man in Komaki, married a prince. While she married her prince husband, she chose to stay in Komaki to help her father develop their hometown. Each year then, Tamahime received the harvest of their subjects and a
600 pound penis effigy.


Fast forward to the present, the festival begins with a procession at two in the afternoon. A huge penis carved from a cypress tree approximately weighing four hundred kilos is paraded from one place of worship to another.  It is carried by nearly sixty strong males who occasionally stops to spin the huge phallus amid cheers and yells from the adoring crowd.  It is a requirement though that the male couriers of the phallus must be over forty years old and women who carry smaller penises must be at least thirty three years old.  These ages are considered to be unlucky because according to traditional beliefs, when you add two numbers it itranslated as “to die or disaster.”

After the parade, local folks and tourists have plenty of fun to choose from. There is a rice ball throwing rite.  Live bands are set up in strategic places where beer and food are served. There are also stalls that sell delicacies and candies shaped like a penis including pink penis lollipops and popsicles. At the culmination of the rites, three miniature shrines are paraded with a molded penis inside. People can have a closer look with the carved penis and rub or hug it. 

Penis Festival in Japan
Due to its popularity around Japan, the festival is now used to create awareness on issues like sexually transmitted diseases.  In fact, a lot of fund raising activities for AIDS research are conducted during the festivities.  Traditionally, the festival is not a salute to the male organ but rather it is to signify fertility and growth.  The phallus is deemed to be a symbol of growth in Japan.  Over the years, the festival has turned from a cultural tradition to a penis celebration. People can have a grand time playing with, rubbing against, and hugging the wooden effigy as well as its smaller version.  Locals and tourists are more excited to see the latest penis like stuffs sold or given as freebies.  

How do Payday Loans Work?

payday loans

Payday loans are basically short term loans which can be very useful during a financial emergency. The term was coined because the loan is tied up with the borrower’s source of income. This type of loan may appear to be very convenient for some people who are strapped for cash but acquiring this kind of loan can sometimes be tricky and stressful. Therefore, it is important for borrowers to do their research first so they will not end up in a lot of debt.

Payday loans are called short term loans since the borrower has to pay the loan amount within 2 weeks or so. The loan amount is usually modest since lenders do not typically release large sums of money for this kind of loan. The borrower must first issue a check for the loan amount plus fees. If the borrower is not able to pay the loan amount on the agreed schedule, then they can ask the lender for a roll over so that the loan will be extended. This is probably one of the worst things that can happen to a borrower because the fees will keep on building up. Fortunately, some states have already limited or regulated the number of roll overs for the borrowers.

 

Are payday loans worth the risks?

Payday loans may save your life especially during desperate times; but in reality, this type of loan can be ridiculously expensive. Borrowers must pay an APR or annual percentage rate that could be a lot bigger considering that the loan period usually lasts for 2 weeks or so. Another major pitfall of a payday loan is the cost that it entails. The fees on top of the loan amount are usually high plus interest rates.

However, payday loans can still work for anyone as a short time solution. As a borrower, you just have to always keep in mind the due date of the loan and it will also help if you deal only with legitimate and trusted lenders.

Payday loans are mostly offered by private lenders but because of its popularity; banks are now offering this kind of loan provided that the borrower will be able to comply with the requirements. Loaning from a bank is a better alternative from traditional bank loans. However, the process and pitfalls of a payday loan from a bank is basically the same as from a private lender or financial institution.

Now despite issues, if you still think that getting a payday loan will solve your problems, then here are a few things that you need to carefully consider:

  1. Do your own research online or by asking referrals from your friends or colleagues. Ensure that you take the time to read about lenders and what they have to offer.
  2. Always read the fine print. Better yet, look for a lender that offers deducted fees or even minimal interest rates.
  3. Be mindful of your due date. Make sure that there is enough money on your checking account so that the payment will be processed.

Reblog: Typical Payday Loan Process

By Chadwick Davis

WHAT CAN I EXPECT FROM THE TYPICAL ONLINE PAYDAY LOAN PROCESS?

The world of online payday loans can be an intimidating and controversial one for consumers. With all of the negative hype and confusing misconceptions circulating, consumers often don’t know whether an online payday loan is the right financial alternative for them and their situation.

The truth is that an online payday loan might just be the answer you’re looking for! At the very least, the option of a payday loan is always something worth looking into, especially if you find yourself in need of immediate financial relief.

This article is intended to clear up some of the confusion and illustrate the typical payday loan process. Obviously, different companies will have different ways of conducting business.
In no way does this article represent the full and exact process for each and every payday loan company that you find online. It is only intended as a general guide for the process and what you can expect from a typical, respectable payday loan company.

Always fully research any company you plan to do business with prior to completing any transactions.

WHERE DO I GO?

First you will need to access the payday loan website. Typically, there are two kinds of payday loan sites on the internet.

1. A Payday Loan Lead Site.

o Normally a customer will search for a payday loan site and come across a “Lead Site” thinking it is a payday loan company. “Lead sites” are hosted by companies whose main goal is to gather information from several potential customers, and then sell that information to companies that will further review it and potentially lend you the funds you are requesting. Lead sites are normally identified because they do not have a member log-in section on their homepage. Also look for a disclaimer somewhere on the website which states that their main purpose is to generate name leads for financial loan companies.

2. A Genuine Payday Loan Company Website

o You can usually recognize genuine online payday loan sites by searching for a member’s log-in area. These sites are direct lenders for customers who apply for a loan via the company’s website. These companies are responsible for processing the applications in-house and depositing the funds into customer accounts once the loan is approved.

GENERAL REQUIREMENTS:

Customers should always research any company they are planning to do business with. After identifying the company you would like to use you will likely need to fill out a loan application. Online payday loan companies will have their own general pre-designated requirements in place that must be met in order to qualify for a loan. Examples of this may include the following:

o Active Direct Deposit
o An established checking and/or savings account that allows unlimited ACH deposits and withdrawals (Established for three months or more as a general rule)
o A minimum monthly take-home pay amount (Generally around $1000)
o An established employment history of 3 months or more
o US citizenship
o Applicant age of 18 years or older

Online payday loan companies tend to be very specific and forthright about all of the requirements in the loan application. Be sure to fully read and understand all of the terms prior to signing the agreement.

After you have fully and truthfully answered all of the questions on the application a determination will be made regarding the approval or denial for the loan. Different companies rely on different systems when researching applicants. Reasons for denial may include the following:

o Active “write-offs” or a bad payment history with other payday loan companies
o Non matching information on the application (i.e. – Social security number does not match name given on application)
o Lying on an application
o Applicants, spouses of applicants, or dependants of applicants who are on current active duty with any branch of the military (Federal law prohibits these individuals from doing business with payday loan organizations)
o Excessive loan inquiries with multiple payday loan organizations
o Recent poor checking or savings account history
o Excessive amount of current payday loans still outstanding
o False reference or employment contact information

TYPICAL FEES:

Once the loan is approved, the funds will be scheduled to transfer into the customer’s account. The customer will be notified of the date in which the loan will need to be paid in full. In the event that the customer is unable to pay off the payday loan debt on the agreed upon date, “extensions” can be requested. These extensions usually have a fee associated with them. The fee and a full explanation of the extension process should be explained in the original loan agreement. The purpose of an extension is to extend the amount of time before the full loan payment is due again. Customers are generally allotted a specific number of extensions that can be used during the life of a loan. Once this number is reached no further extensions can be requested and the full loan payment amount will be due.

Another fee which may occur, and should also be explained in the original loan agreement, is what is normally referred to as an “NSF Fee”. This fee is charged when attempts to retrieve scheduled payments are made and the customer’s bank rejects the attempted withdrawal due to Non-Sufficient Funds. Typical NSF Fees are around $20.

Note: Customers living in specific states may or may not be able to utilize the extension process, depending on state laws that govern acceptable payday loan processes. Other related state laws may exist and dictate different aspects of the payday loan service. Customers should always research their specific state payday loan laws and regulations before entering into an agreement online.

THE BOTTOM LINE

Online Payday Loans don’t have to be an intimidating or confusing subject. Responsible customers often find them to be the perfect solution for a tough financial situation. The ball is often in the customer’s court when utilizing this option since all of the terms, fees, and guidelines of the payday loan process are readily available prior to accepting any agreement. The key to any successful payday loan transaction is the customer’s grasp in understanding the process and anticipating the way it will play out.

In addition, when doing business with an online payday loan company, customers should also look for an in-house Customer Service Department line. This service can act as a life-line for customers who become confused about any aspect of the process or who may have general questions.

Article Source: http://EzineArticles.com/?Typical-Payday-Loan-Process&id=1312694

Tips on Buying Cashmere Clothing Online

By Natasha Howells

How many pieces of cashmere do you have in your wardrobe? Maybe you have a cashmere scarf or some cashmere cardigans; perhaps you have even given cashmere scarves as gifts. However most women don’t have any cashmere but now there is no reason not to own some cashmere clothing. Cashmere clothing comes in all price points, styles, colors and is easy to take care of. Wearing cashmere will make you look and feel your best.

These days many stores, both on-line shops and brick and mortar stores, are carrying designer cashmere in their ready to wear sections and women are buying it for everyday wear. Did you know you can find cashmere dresses, cashmere shorts or a cashmere tunic? All of these can be found in great styles. Cashmere tops come in scoop neck, turtleneck, v-neck and henley styles. They are not just in solid colors either. You can get fun stripes, feminine florals and the usual basic solid colors.

For the ultimate in comfort, you should try some luxury cashmere shorts or pants. They are perfect for a day out shopping or lounging around the house. Paired with a cashmere top, you will feel like you have never felt better! You can easily dress these up or down. Wear your pants to the office with a classy top or wear them with a hoodie while you hang out around the house with your family.

For a great treat, buy yourself some cashmere skirts or dresses in a color or print that suits your style. The cashmere body of the dress will feel sensational against your body and you will feel amazing wearing it. The fabric drapes nicely over your body and long cashmere skirt will give the allusion of long legs. A great outfit will always give you a boost of confidence.

Cashmere shrugs are perfect for summertime if you work in an air conditioned building which you find a bit too cool at times. It’s small enough to keep in your desk or hand bag and will keep you warm in just the right areas without adding bulk. Chose a basic color that will go with the majority of your clothes for the maximum in versatility. Cashmere stoles or a cashmere vest are also great for layering when it is cool inside or during the winter. The fibers in cashmere will keep you just as warm as your old wool sweater from Aunt Bertha, but without the bulk or the funny color.

While cashmere can be taken to the dry cleaners, for most women, it would be easier to spend a few minutes hand washing it with a mild detergent at home rather than exposing it to harsh chemicals at the cleaners. Just place your garment into a large bowl, add mild detergent (one that is appropriate for cashmere), fill the bowl with lukewarm water and let sit for 20 minutes. Squeeze the soap suds through the garment and rinse with more water. Gently press the water out and lay it out on a flat surface to dry flat. It’s not difficult and it will keep your cashmere garment in tip top condition for years.

There are hundreds of options for buying cashmere clothes which won’t break the bank. When you buy cashmere online you can chose from a variety of cashmere clothes that will make you look and feel gorgeous!

Article Source: http://ezinearticles.com/?Tips-on-Buying-Cashmere-Clothing-Online&id=6129626

For Australia cashmere, visit Olivia Graham Cashmere. They offer cashmere products include sweater, cardigan, jumper, socks, scarf, wrap, shawl, singlet, tees, blanket, and more through their website and through market locations include Warriewood, Beaches, Cobbitty, cashmere Double Bay, Kings Cross, Riverside (Gladsville), Orange Grove, Balmain, and Gerringong.

5 Ways on How Not to Lose More Money with Title Loans

The moment you receive loan proceeds, the countdown to lose more money with title loans start.  With very high interest rate, that itself is the first step to lose money and if you do not know ways to avoid losing more money, then you will definitely sink further into the debt trap.  The lure of this kind of loan is very tempting as it is easy to apply and have the loan approved as you get the money in a few days or within the “same day” for those companies with such policy. There are even loan companies that claim you can have your loan approved within a few hours.  However, there are ways which you can avoid losing more money.

  1. Use a title loan calculator provided in the website. This way, you will have an idea how much money you can apply for and avoid seeking out an additional loan from another company because the money is not enough.  When you discover that the loan assessment is very low, you can always find another title loan company that can offer better loan computation and approve a loan that fits your requirement.
  2. Ensure that you will not lose your car.  One of the most unfortunate consequences if you cannot repay the loan is losing your car.  Find ways to make sure you can repay the loan such as look for a low interest car title loan or have it pawned which can allow a longer repayment period instead.  Or better yet, consider taking out a loan from credit unions or your employer and deduct loan payments from your commissions or incentives if you have any.
  3. Selling other valuable properties to repay the loan is another practical strategy to avoid losing more money.  You might have some things that are valuable to other people and just take up space in the attic, so why not convert these things into cash? Have a garage sale to find out which of these things are valuable to other people.
  4. Do not delay loan repayments. In some cases, the borrower has already allotted money for repayment but due to unforeseen circumstance that they have no control over, the borrower missed on payment and end up paying additional interests and penalty.  It is also wise to pay your loans when you have the money instead of waiting for the due date.
  5. Pay ahead of schedule, when you do so, you gain rebates or additional discounts because you pay ahead of time.  However, you need to check the terms and conditions and find out if the loan company offer this kind of benefit for borrowers.  Yet whether or not this option is offered, it is still better to pay ahead than risk losing more money by accidentally forgetting the due date.

Indeed, you do not need to lose more money when you can actually prevent it.  Title loans are helpful if you know how to avoid losing money from them.

For title loans in Memphis, TN, we suggest Quik Lend Cash.