But if you're not careful, the holidays can also be a financial drain, leaving bills that linger long after the winter snow has melted. Here we will discuss ways to budget for your holiday shopping. Not having enough money during the holidays can make you reach for your credit card, adding interest payments to your holiday expenses if you can't pay the bills off in January. Remember, even a low interest rate adds to the cost of every purchase you...more
Start To Look For Christmas Gift Ideas for Mothers Now Holiday gift-giving is something that many of us put off until the last minute, causing us panic as we rush around trying to find the perfect gift for those on our holiday shopping lists. This sentiment is particularly true when we think about shopping for our mothers. They have often spent a great deal of time and effort making the holidays special for us when we were growing up,...more
ATP Tennis - Roger Federer clinches 30th win at ATP World Tour Finals The Federer Express was outstanding in his 6-1, 6-4 win over the Spaniard David Ferrer on Sunday, in his first game of the ATP World Tour Finals, an end-of-the-season, 8 top players round robin tournament at London. Don't be fooled by the score, because as a matter of fact, David Ferrer made it much more difficult for Roger Federer to win this game then what the score might suggest. The Spaniard had not been in the World Tour Finals since the 2007 version when he had an outstanding run for the title that ended prematurely when he was defeated by Roger Federer in the final. Ferrer seemed a bit nervous from the start. He gave into the pressure in the first games and Federer, without missing a beat, broke his service in each of the three chances he had for the first set. By the time the Spaniard pulled his act together and won his first game, he was already trailing 4-0 in the first set. Then it was uphill from there on. Ferrer gave a great fight but it was just not enough to stay close to Federer. It really seems as if Federer is quite a dominant force in this tournament. Well, you must consider this is his...more
Christmas HomilyByFather David NooneToRev Don KimreyIf there is anything that truly symbolizes Christmas, other than the baby in the manger, its the Christmas gift..something all wrapped up in colorful Christmas paper, usually with a bow on top.like this box right here.And the reason why this box is here is to remind me that I have a gift for you...more
Malaysia is blessed with some of the richest waters in the world, providing home to countless marine species, some of which are getting endangered and can"t be found in other seas. With such a diverse marine ecosystem, there"s no wonder why Malaysia is a top destination for many divers and is visited by both scuba diving enthusiasts and underwater...more
Borneo is an area that is made of parts of Malaysia, Brunei, Sabah, and Indonesia, and it lies in the South China Sea. Along the western coast in Sabah is the capital city of Kota Kinabalu, known throughout Borneo as KK. The coast and these waters are ideal for vacationers and tourists. Diving in Kota Kinabalu is a popular pastime and provides a memorable experience for anyone who tries it. Kota Kinabalu is a thriving area that gives tourists an idyllic view of Malaysian Borneo. Of course, Borneo diving holds a great appeal for many aficionados, both because there are so many dive sites located around the edge of the island, and because of the beauty of the reefs and underwater life in the warm waters of the South China Sea. However, Kota Kinabalu is a particularly inviting area. Top class hotels overlook the quiet town with the bustling markets, the beautiful stretches of land and exotic wildlife, and the inviting warm waters of the sea, only a short drive from anywhere in the town. Shopping, hiking, and sightseeing are all unsurpassed in this paradise, and divers have a real treat in store. Just a short boat ride off the coast, you will find the Tunku Abdul Rahman...more
Borneo is a sovereign state made up of parts of Malaysia, Indonesia, and Brunei. An island set north of Australia in the South China Sea, Borneo offers miles and miles of coastline from which boats launch daily for some of the world's best scuba...more
Visions of sugar plums have started dancing through our heads, which means that for many people, holiday party preparation has commenced. Cooks all over the country are making sure their baking items, slow cookers, sauces and so on are in stock. But...more
The sovereign state of Borneo is the largest island in the world and is located north of Australia. Its vast miles of coastline that meets the quiet, warm waters of the South China Sea make diving in Borneo immensely popular for avid divers and for...more
Malaysia, one of the most-visited countries in Southeast Asia, is not just famous for its white sandy beaches and spectacular forest wildlife, but also for its magnificent oceans that serve as perfect dive sites for many diving experts and...more
Leadership Motivation - Energized and Thriving During the Festive SeasonSome of you may think "Wow, how and I going to fit that in? I'm busy enough."Well, this is about taking a bit of a stock-take, taking a step back for a moment, and thinking,...more
Numerous consumers in Australia desiring luxury 4WDs and new 4x4s enjoy the end of the year deals offered by dealerships. To find good deals, consumers should peruse dealer websites and other specialty dealer websites offering deals online. Consumers...more