iYES that SEE

whoa!  it is quite rare that i fall in love with a poem and this one really caught my soul. ;) 

There is a

Cloud of Unknowing

Always beckoning us

Across our precarious

And dangerous deserts

of

Inevitable uncertainty.

There is a Way

Of seeing

And receiving

And enjoying

Invisible secrets

Endowed

from the

Impregnated

Womb

of

Time and Space and Wisdom.

Sometimes

We listen

Without understanding.

Sometimes

We look

And never comprehend.

Sometimes we

See illusions

And think

They are reality.

Sometimes we

See things

Without actually

Seeing them

As they are.

Indeed,

“Truth is in

the eye

of

the beholder.”

All our perceptions

Become gambles

when

We blindly laud

Our

Limping interpretations

As reality.

Our grand illusion

Is to believe

that

what we see

is

the whole truth.

So we remain

Blindly ensconced

In our rancid,

And rigid

Old wineskins.

And yet,

There are those

Rare ones

Who see

Through

The

Eyes of the

Heart,

For they see

What is invisible

To those

Who think

They can see.

Their perception

Transcends

Mere rational

And physical.

They transcend

The dualistic

And literal

Perceptions of those

Who think they see

But do not see.

Enlightenment,

Repentance,

Paradigm changes

And

The courage to

See what is

Mandates

The mentorship of

The

Spirit of the Depths

Within

One’s Soul.

When we meet

Such rare ones

We encounter

A contagious energy

That spills out

Like

The

Balm of Gilead.

Like Ezekiel of old,

The Inner Eye

Encounters a

Larger world

Of Reality,

No longer

Restricted and constricted

By

Mere

Rational thinking

Or literal seeing.

Today we celebrate

One such rare soul

Who has been

Gifted with

Eyes that see beyond

What we

Take for granted,

What we think

We understand.

Through his

Eyes of the heart

He has gleaned

And bestowed

Upon all of us

A lifetime of

Fruitfulness.

By his own choices

And through his

Refined suffering

He now models

For each of us

A depth of perception,

A

Quality of life,

A

Joy and presence

Without limitation.

How loved you are.

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How to Save MONEY

New Year na at tiyak ako, dun sa kakabalik lang ng trabaho ay ubos na ang budget bago dumating ang unang sweldo ng 2013 ;( how sad di ba?  kaya ngayong taon isa sa mga new year's resolution ko ay matuto kung paano magsave ng hard earned money.  Tamang-tama lang na nakita ko ang articel na ito kaya isishare ko din sa inyo.  Malay mo makapulot kayo kahit isang tip man lang at ng makasave kahit papaano kesa magising ka na wala pa rin. ;)

Saving money is important. We all know that.  But knowing is not the same as doing.

For some people, saving money is like going on a healthy diet.  You get inspired and start to do it, but after a few weeks, self-pity creeps in and you begin hating it.

If you usually fail at saving money or you think it’s really difficult to do, then here are some money saving tips that could help you.

1) Save first, then spend the rest.
At the instant you receive your income, immediately set aside a portion and put it in your savings account. After that, you can now spend the rest of your salary without guilt. This is what they call paying yourself first, which is easier and more fun to do than scrimping on your expenses so you’ll have money left as your savings until the next pay day comes. Try it, this really works.

2) Make saving money automatic.
How do you make saving automatic? There are several ways. One is to go to the bank that handles your company payroll account and ask if they have an automatic savings plan or if you can have one arranged. What this means is that whenever pay day comes, the bank will automatically deduct a fixed amount from your salary and deposit it to a separate savings account.


3) Make your savings NOT easily accessible.
When your savings account is just one ATM withdrawal away, then you’re more likely to touch it.  Make it inconvenient for you to get cash out of your savings.  Simply having a pure passbook bank account is a good start.  As for me, I have a BDO Optimum Personal Savings Account which only allows you up to three over-the-counter cash withdrawals a month (but unlimited deposit transactions).

The Filipino Paluwagan System provides a similar inaccessibility to your savings.  In fact, many Pinoys have recently started and joined paluwagans to “force” them to save money in light of the recent global financial crisis.


4) Always use cash.
When you always use cash, you’ll be more aware of your budget.  This will help you avoid accumulating debts and encourage you to live within your means.  Simply put, pay yourself first then always use cash.  Do this and you’ll end up with no credit and a savings account that you don’t have to touch to pay your debts.

5) Set a benchmark and a reward for saving money.
They say that you should save money for the “rainy days”.  Personally, I believe that’s a pessimistic (and vague) reason to encourage yourself into saving.  I find myself more motivated into saving money when I set a reward for myself whenever I reach a certain amount.

For example, I allow myself to guiltlessly splurge P2,000 on anything I want whenever I am able to increase my savings by P10,000.  Other times, I reward myself with a fancy dinner in a restaurant after every three No Spending Days.

If you like this article, please subscribe to Ready To Be Rich so you won’t miss the next article here. Thanks.
 Below is a way to earn more and invest your money wisely.  Just click on it.;)

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Delayed at Cancelled ang Flight mo, ANO ang GAGAWIN?

Aba 2013 na! ;)  kakabalik lang sa trabaho.  instead na rejuvenated, ito pagod pa rin dahil sa bakasyon. watdapak!?  anyway, masaya pa rin ang taon na ito kahit ano pa mangyari.  Ngayon nagkasalubong kami ng article na ito at dapat mong malaman kung ano ang gagawin pag nangyari sayo ito.  Ako kasi ilang beses ng nangyari ito at palaging walang magawa.  Ito ngayon may magagawa na ako pati na rin ikaw ;) at dahil lucky color ang green ngayong taon na ito, masaya ako. hahahahaha

To those airline passengers who have missed meetings and appointments because of hours of delays, to those who have lost their luggage without either compensation or even a sincere apology from airline companies, and to those who were lured by “cheap” fares only to discover excessive hidden fees and charges, here’s an early Christmas gift for you.

The “Airline Passengers’ Bills of Rights” took effect December 21, 2012. Also known as Joint Administrative Order (JAO) No. 1 by the Department of Tourism and the Department of Transportation and Communication, this bill of rights gives air travelers well-defined rights and avenues to air their grievances against abusive airline companies with proper redress.

This bill of rights is no doubt a good step towards giving travelers better and well-deserved customer service that have been sorely lacking in industry in the past years. It doesn’t end here, though. Strict implementation of the rules and existence of convenient avenues to file complaints against erring airline companies should pave the way for a much-better airline industry in the country.

Here is a summary of the salient points of the Airline Passengers’ Bill of Rights. Read, be informed, and exercise your rights as an air traveler.

Right to compensation and amenities in case of Flight Delays

a. In case of Terminal Delay (defined as “a flight delay that occurs while passengers are still inside the terminal waiting to board”) of at least three (3) hours after the expected time of departure (ETD) regardless of reason for delay, a passenger shall have right to:

• be provided with refreshments or meals (breakfast, lunch, dinner, or snacks, as the case may be);
• be provided with free phone calls, texts, or emails, and first aid, if necessary; and
• rebook or refund ticket subject to conditions outlined in the Bill of Rights

b. In case of Terminal Delay extending for at least six (6) hours after the ETD for causes attributable to the carrier, the flight is deemed “cancelled” for the purpose of making available to the passenger rights and amenities required to be provided in case of actual cancellation (see below).

Right to compensation and amenities in case of Cancelled Flights

a. In case of flight cancellation attributable to the airline, the passenger is entitled to:

• be notified beforehand via public announcement or published notice;
• be provided with the following, if he/she is already at the airport at the time of the announcement of the flight cancellation: sufficient refreshments or meals (e.g. snacks consisting of at least  a bottle of water and a sandwich, or breakfast, lunch, or dinner, or a voucher for the same, as the case may be); hotel accommodation (conveniently accessible from the airport); transportation from the airport to the hotel and vice-versa; free phone calls, text or emails, and first aid, if necessary;
• reimbursement of the value of the fare, including taxes and surcharges, of the flight cancelled, or both in case the passenger decides not to fly;
• be endorsed to another air carrier without paying any fare difference, at the option of the passenger, and provided that space permit such re-accommodation; or
• rebook the ticket, without additional charge, to the next flight with available space, or, within 30 days, to a future trip within the period of validity of the ticket.  However, for rebooking made over 30 days, fees and fare difference will apply.

b. In case the airline decides to cancel a flight at least 24 hours before departure, it will not be liable for any amenities except to notify the passenger, and to rebook or reimburse the passenger.

Right to Clear and Non-Misleading Promos and Advertisements

a. All fare advertisements must disclose the following:

• Conditions and restrictions attached to the fare type;
• Refund and rebooking policies, if any;
• Baggage allowance policies;
• Government taxes and fuel surcharges;
• Other mandatory fees and charges;
• Contact details of the carrier (i.e. phone number, website, e-mail, etc.); and
• Other information necessary to apprise the passenger of the conditions and the full/total price of the ticket purchased

b. For promo fares such as “Piso fares” or other “cheap flight promos,” the following information must also be announced:

• Number of seats offered on a per sector basis;
• Duration of the promo; and
• The CAB Approval No. of Fares

c. These disclosures must occupy at least one-third (1/3) of the advertising material and must also be printed or attached to the ticket.

Right to Compensation for Lost, Delayed, or Damaged Baggage

a. In case a checked-in baggage has been off-loaded for operational, safety or security reasons, the passenger must be informed at the soonest practicable time. The baggage must be carried in the next flight with available space and must be delivered to the passenger personally or at his/her residence.

b. The passenger must be paid P2,000 for every 24 hours their baggage is missing. After 7 days, the baggage would be deemed lost.

c. For lost or damaged baggage, the compensation will be in the following manner:

• For international flights, the relevant conventions shall apply;
• For domestic flights, upon proof, a maximum amount in Peso equivalent to half of the amount in the relevant convention (for international flights).

Right to Immediate Payment of Compensation

Compensation to affected passengers shall be made at the airline counters at the airport on the date when the occasion occurred entitling the passenger to compensation. Alternatively, it may be done at the airline’s main office or any of their branches, at the discretion of the passenger.

At kung gusto mong yumaman ngayong 2013, click mo lang itong nasa baba.  Have a prosperous New Year to you ;)

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