My Mother and Father had an anniversary coming soon. It was the big important 50th Anniversary. My brothers and sisters wanted to do something special for them, but we  really weren’t sure what to do, or what my parents would like. We tried to decide if we should give them a reception, gift or pay for them to go on a trip. We set up an appointment with a travel agent to discuss luxury vacations. We decided to pay for them to go on a tip to Hawaii, since they always talked about going there. They never were able to take any big trips, due to how expensive it was to raise 4 children. We also gave them a low budget, inexpensive reception before they left. We learned that giving someone a luxury vacation, or taking one yourself, can sometimes be a one in a lifetime experience and one you’ll never forget.

Last year a close friend of mine went through the daunting task of applying for a mortgage loan. He didn’t really have any idea what to expect when he started going through the loan process, but he sure found out quick that it wasn’t anything to be taken lightly or without complete knowledge of all of the terms and conditions involved in the loan. He was trying to get the mortgage loan against his house so that he could start a small business. He asked me for my help at first, but I know absolutely nothing when it comes to loans or mortgages or much other credit and financial processes. He ended up getting the loan but I still don’t think he completely understands all of the terms associated with it. I asked him a few questions that he couldnt really give me the answers to. I really hope that he made the right choice and didn’t just jump into it after listening to the guy that he was talking to who works at the bank. I’m sure the guy would be willing to tell him whatever he wanted to hear to get him to sign the papers. I wish him luck, though. He deserves to succeed with his new business.

A while back I was going through some of the papers that I had stashed away in one of my filing cabinets and I came across the papers for my car insurance policy. I forgot how bad the terms and everything were on my car insurance. I’ve had the same car insurance for the past 9 years and I’ve paid the exact same ammount the entire time. It really seems like they should be giving me some sort of significant discount by now. I’m paying about three hundred bucks every 6 months just for liability. I don’t know anyone under the age of about 17 paying that much for liability car insurance. For that price I should be getting full coverage with a very low to moderate deductible. I haven’t had a whole heck of a lot of experience with car insurance, but I know all of our friends have cheap car insurance with the same kind of coverage that I’ve got. I’m going to give them a call tomorrow to see what’s going on. I’m going to switch insurance companies for sure if they cant offer me any kind of better terms for my car insurance. This is pretty ridiculous. I’m glad I came across the papers.