Ano ang magandang credit card?

Dalawa pa lang na credit cards ang meron ako.  BDO at saka Metrobank.  Nauna ang BDO at pagkatapos ng isang taon in-offer ako ng Metrobank.  Sinubukan ko pareho.  Narito ang aking karanasan bakasakaling makatulong sa iyo sa pagpili kung alin ang okay.

                            Membership Fees
BDO                     monthly (p'wedeng i-request na hindi bayaran.  nasa P75/month)
Metrobank            yearly (full mo s'yang babayaran ng 2,000.  lumalabas na 166.6/month                              masyadong mahal kumpara sa 75/month ng BDO)

                           Credit Limit
BDO                     ididecline n'ya ang transaction pag umabot ka na sa credit limit mo
Metrobank            ipaprocess n'ya pa rin ang transaction mo pero sa next billing mo may                                500 ka na over limit fee plus finance charges.  Umabot ng halos 700                                  yung binayaran ko at wala silang awa kailangan bayaran mo lahat

                           Late payment
BDO                     pwedeng ma request na huwag ng bayaran lalo pa kung full mo naman                              binayaran at days after the deadline pa lang
Metrobank            600 at fixed itong kailangan mong bayaran

So far ito pa lang ang mga pagkukumpara ko.  Sa susunod subukan ko rin siguro ang iba pang kumpanya kung ano mas makatao. ;)

Never again with Metrobank credit card.


Paano maging member ng Truly Rich Club ni Bo Sanchez Maging Milyonarya sa Stock Market Paano Kumita Habang nasa Bahay

Paano ang pagbudget ng suweldo

Mula sa Rich Juan ang artikulong ito kung paano gamitin at i-budget ang iyong pera o s'weldo.

Kung isang dekada ka ng nagtatrabaho pero kahit limang libo ay wala kang naipon, aba paano na lang ang iyong bukas pati na ng mga taong mahal mo at umaasa sa'yo?

Ito ay isang halimbawa lamang kung paano i-budget ang iyong kita.  Ipagpalagay nating P10,000 kada buwan ang natatanggap mong sahod pagkatapos na ng lahat ng kaltas sa SSS, PhilHealth, Pag-ibig Fund, at iba pa.

1. Pondo para sa oras ng kagipitan o Emergency Fund - 10% = 1,000 (kailangan meron ka nito para hindi ka baon sa utang pagdating ng oras)
2. Monthly expenses - 55% = 5,500 (para sa lahat ng pangangailangan sa bahay at personal na gamit)
3. Retirement - 10% = 1,000 (pwede mo itong ipunin sa bangko o i-invest)
4. Empowerment - 5% = 500
5. Leisure Fund - 5% = 500 (para sa mga biyahe mo o bakasyon)
6. Self-Development Fund - 5% = 500 (mag-attend ng mga seminar na makakatulong kung paano pa maging successful at mabuting tao)
7. Give away - 10% = 1,000 (ang golden rule sa buhay: ipamigay ang mga bagay na gusto mong magkaroon)

Si Bo Sanchez naman may tinatawag na 5W Basket System 

1. Worship Fund (tithes) - 10%
2. Wealth Fund (Long-Term Investments) - 20%
3. Want Fund - 10%
4. Wellness Fund (Short-Term Savings) - 10%
5. Wallet Fund (Regular Expenses) - 50%

Sa Pesos and Sense naman ito ang suhestiyon:

The 70-20-10 rule states that:

-    70% is allocated for living expenses (rent, food, clothing, etc.)

-    20% is allocated for savings (retirement, investment, emergency fund, etc)

-    10% is allocated for debt repayment or fun money or tithes

Hmmmm so ayan ikaw na bahala kung ano ang mas workable sa iyo.

Kung gusto mo naman ng ligtas at walang kaba na investment sa stock market?  Matuto sa mga master.  Sila ang magiging gabay mo kung paano.  Magpamiyembro lamang sa Truly Rich Club ni Bo Sanchez o kaya i-click ang link sa baba. 

Mayamang buhay! ;)

Paano maging member ng Truly Rich Club ni Bo Sanchez Maging Milyonarya sa Stock Market Paano Kumita Habang nasa Bahay

CT Scan with Contrast

Isang linggo na ang nakalipas ng maghanap, magtanong, at magkumpara ako kung saan mura ang CT Scan na kailangan ng nanay ko.  Dahil sa Aklan s'ya nakabase ang una kong tinanong kung saan meron ay sa Panay Health Care at ang sabi P7,400, 16 slices.  Hindi ko naitanong kung may senior citizen discount ang presyo na binigay n'ya.  At dahil nasa Bacolod ako nakabase at gusto kong magpa second opinion, pinapunta ko ang aking nanay para ipakonsulta sa Riverside Hospital.  Nung kausap namin ang pulmonary doctor nya at humingi ako ng advise kung saan dapat at ano ang nararapat, simple lang ang sagot n'ya: depende sa pinansiyal ninyo.  Mabait ang doktor dahil binigyan n'ya kami ng options:

1. Riverside Hospital - 13k+ / sa buong Negros sila lang ang may pinakalatest na equipment at nagbibigay ng 64 slices na resulta (may senior citizen discount pa yan)
2. Doctors Hospital Bacolod - 10k (may senior citizen discount pa) at 16 slices din
3. Negros Regional Hospital - nasa 4k o mahigit pero aabutin ka ng minimum 2 linggo para ma scan kasi pipila ka sa charity cases nila at 16 slices lang din ang resulta.

Ang nanay ko ay hindi mabubuhay na nakatunganga lang at hindi ko mapigilang tumigil muna sa bahay at magpahinga kaya wala sa opsyon ang Negros Regional Hospital.  Pinakamura ay ang Panay Health Care at mas malapit sana ang follow up check dahil andun lang sya sa Kalibo pero nauwi kami sa Riverside Hospital dahil isang araw lang ang pagpaskedyul at mas makikita ng doktor kung ano ang nodule na nakita sa kanyang baga sa x-ray film.  Kung titingnan ko naman ang Doctors at Riverside, halos 3 libo lang ang diperensya samantalang latest at 64 slices ang sa Riverside. Lumalabas ngayon na mura ang Riverside sa lahat sa kanila.  Kasi sa 16 slices na resulta at hindi makita ng doktor ang hinahanap n'yang sagot, pwedeng ipaulit ang CT Scan at pag nangyari yun doble o higit pa ang magiging gastusin.

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Spot Hot

For P130 of this I don't think I'll go back there again.

Spot Hot

posted from Bloggeroid

Regrets and Living

Last week, i watched Act of Valor.  I usually don't like violent movies but this one towards the ending made me shed some tears.  Napakaganda ng mensahe na dapat ma-google ko para makuha ng buo.   Nararapat na maprint at mailagay sa aking board para reminder araw-araw.  Naniniwala ako na nabuhay ako sa mundong ito para sa araw-araw na selebrasyon ng pagkabuhay.  Gawin ang mga dapat at huwag ipagpabukas pero minsan nakakalimutan ito.  Parang napakabusy ng buhay na nawawalan ng focus at kailangan ng isa na namang kalabit o kaya pampagising at isa ito sa mga gumising sa mahimbing kong pagkatulog ng medyo mahaba-habang panahon. 

“So live your life that the fear of death can never enter your heart.  Trouble no one about their religion; respect others in their view, and demand that they respect yours.  Love your life, perfect your life, beautify all things in your life.  Seek to make your life long and its purpose in the service of your people.  Prepare a noble death song for the day when you go over the great divide.

Always give a word or a sign of salute when meeting or passing a friend, even a stranger, when in a lonely place.  Show respect to all people and grovel to none.

When you arise in the morning give thanks for the food and for the joy of living.  If you see no reason for giving thanks, the fault lies only in yourself.

Abuse no one and no thing, for abuse turns the wise ones to fools and robs the spirit of its vision. When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way.  Sing your death song and die like a hero going home.”

- Chief Tecumseh, Shawnee Nation

Celebrate LIFE! ü

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Best Batchoy in Bacolod City

Sa tagal ko dito sa Bacolod dapat lang malaman ko kung saan ang pinakamasarap na batchoy na paborito ng halos lahat.  Itong Super Batchoy House ay napakaregular tingnan pero halos hindi ito nawawalan ng tao at sa bawat pagkakataon na papasok ako dito punuan talaga at kailangan mo pang maghintay minsan para makapag order at umupo.   Hindi ko lang talaga maisip kung bakit wala silang pera para ayusin naman ang kanilang lugar at gawing kaaya-aya sa paningin ng mga kustomer.

 Pero kung sarap ng batchoy ang pag-uusapan natin e para sa akin ito ang number 1. 

special batchoy na walang egg

 Bukod sa masarap ang sabaw, ang special batchoy nila ay hindi naman tinitipid sa halong mga laman, karne, atay, chicharon, at kung ano ano pa.  Kaya solb na solb ka na sa isang order nila. ;)

Yun lang talaga ang wish ko para sa kanila.  Ang gawing malinis at kaaya-aya ang kanilang lugar. ü

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Babae - ano at sino ka?

 sobra ako'ng na inspired sa write-up k sang ka babaye ngara.  Pamatyagan ko hai nabasahan na gid a do kaibuturan ko akong isip ;)  Wow!  for once hai may nagsueat it tamang-tama gid sa ang ginabatyag ag ginaisip.  Pagkatapos kung basahon hai nagcomment gid ang dayon it makaraya:

"iamfree_love

18 minutes ago

"There’s more to a woman’s life than finding the man of her dreams,
bearing a child, and being the best lover or homemaker. Let us set
aside prejudice for women who failed in fulfilling their traditional
roles and look at the other parts of her life." 

bravo! for once, a great different soul that thinks like me. ;) i love you for this. you have written what i have been living. ;) i, too, refused to be defined by anyone, more so, by society.  i believe i am beyond definition ;)))"

Pirmi gid a ro nakon nga naiisipan kapin pa kung ginapangutana ako kung may asawa eon ako, pila eon ang unga, etc. my gosh!!!! as if natawo ako sa kalibutan ngara para eat-a karon????  i refused to accept that kind of thinking.  Unlimited a do mga options nga pilian ko para i-box ko ang sarili sa makaruyon kakitid nga ekspektasyon it society. ;)  Kaya para kimo Jacklyn Belo, bravo!  Kunta abo pa atong lahi nga pareho katon mag-isip. 

Defining a 'woman'

by Jacklyn Belo
Posted on 09/29/2013 4:36 PM  | Updated 10/07/2013 2:27 PM

Sarah Kay, known for spoken word poetry, wrote a beautiful piece about women. Her poem, “The Type”, gave new insights on how women should see themselves.

She wrote in Huffington Post: “Media attention has been paid to what it means to 'be a woman,' but often the conversation focuses on what it means to be a woman in relation to others...I believe these relationships are important. I also think it is possible to define ourselves solely as individuals, without comparisons or relationships.”

True enough, women are often defined and valued based on their relationships. This explains why we use labels such as ‘good wife,’ ‘mistress,’ ‘other woman.’ For every stage in a woman's life, her identity is always associated with her relationships.

When a woman reaches her mid 20s, people wonder why she does not have a boyfriend. When a woman is at her 40s, people think she is missing a large chunk of her life if she is not married. When a woman is married, people expect her to have children.

Ask a beauty queen, a husband, and a wife on what the essence of being a woman is and most of them will surely answer: “It is childbearing or child-rearing.”

But how about a woman who cannot bear a child or a woman who remains single by choice or by act of nature?

Society’s definition

I have high regard for women who strive to be the best daughter, best girlfriend, best wife, and best mother. All these roles should be part of our aspiration in life. Our relationships shape our lives and build our character but there is something more than what a relationship offers. Yet, culture tells us that it should define us.

Society dictates how women should naturally maintain relationships. Hence, when a relationship fails, a woman needs to justify herself. When a married woman is caught having an affair with another man, she is immediately guilty of adultery.

But when a married man is caught having an affair with another woman, he is not yet guilty of any extramarital crime. Philippine law states that he is only guilty of concubinage if his affair is under scandalous circumstances.

Read: Laws that discriminate against women

I told my friend: “So what do we do then? Should we protest? Protest that we can also have extramarital affair and not have an automatic crime of adultery like men do, unless we do something scandalous?”

Defining the word ‘woman’

But how do you define a woman? Is it by length of time she spent on the bathroom? If she knows how to use an eyeliner, then maybe she can call herself a ‘real’ woman?

Two men told me that I should know how to apply makeup. It's an unexpected irony to think that girls are more open about grooming and style. My inner self tells me that I shouldn't groom myself because I am only pleasing the eyes of men. And when I aim to please the eyes of men, I allow my relationship with others to define me.

I allow culture to define me. I allow society to define me. That for me is a form of oppression.

We all have a shared picture of an ideal woman while we don't have a concrete picture of what an ideal man should be. Yes, he should be a provider but we can disagree that he does not have to know how to drive, how to fix electric wires, how to repair a faucet, and how to play basketball. He can be tough yet he can be soft spoken.

Not a ‘woman’

I'm afraid I am mistakenly placed in a woman's body. Apparently, I don't cook and I'm not domesticated. I am not caring and I don't think I'm sweet. I honestly feel I am less of a woman. But I'm hoping someday I will raise my own family and epitomize a conventional woman.

At the same time, it is within my understanding that life has many possibilities. I'm afraid to disappoint but I'm more afraid of losing myself in the course of finding and keeping people who can make me happy.

As written by Sarah Kay: “Let the statues crumble. You have always been the place. You are a woman who can build it yourself. You were born to build.”

A woman can navigate her life with her own ambitions and talents. She is not a set of hormones and norms. She has individual traits. She is capable of finding her own happiness and building her success. She has many stories and many thoughts which should be magnified and adored.

There’s more to a woman’s life than finding the man of her dreams, bearing a child, and being the best lover or homemaker. Let us set aside prejudice for women who failed in fulfilling their traditional roles and look at the other parts of her life.

Relationships are pieces of who we are but they do not speak of our entire value. - Rappler.com

Jacklyn Belo works as a Client Services Executive in Financial Times Electronic Publishing. Visit her blog: jackiebelo.com

iSpeak is a parking space for ideas worth sharing. Send in your contributions to move.ph@rappler.com.



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Fun Run

Uso eon gid a makaron do mga Fun Run kaya kung ikaw hai mahilig man magparticipate mayad kung masayran mo ra ;)

"Sometimes, you think your body wants food when it's really asking for water (seriously, sometimes thirst gets mistaken for hunger). You might be sweating out much more than you think. How to know: Weigh yourself before you go and right after you come back. Subtract your finishing weight from your starting weight. Then factor in any water you drank on your walk, because 16 ounces of water weighs 1 pound. So if you started at 150 lb., finished at 149, and drank 8 ounces of water along the way, you need to drink at least 8 ounces as soon as you get back."

Malipayong pagdaeagan! ü


Paano maging member ng Truly Rich Club ni Bo Sanchez Be Truly RICH How to EARN by Working @ HOME

Baguio ag ro mga pagbag-o sa akong Pagbalik

and the Baguio journey continues....
Among my lists to visit is the most-featured restaurant, Oh My Gulay by Kidlat Tahimik.  So the next day after pampering ourselves with Baguio Country Club's great foods we checked out the place.  You need to climb the stairs up to the nth floor of the building.  They made sure we are hungry from walking the stairs so we order more. hahahaahha

for a resto in a penthouse may ganito pa talaga sila. astig!

Aliw pati ang chandelier na ito ;)

Kahit ang intricacy ng designs and innovation. 

Mula sa Oh My Gulay naglibot pa gid kami sa syudad hasta nakit-an namon do lugar ngara.  Pagsueod, mini bookshop gali.  Kaaliw eang dahil bisan maisot do lugar namaximize nanda.  Ikaywang paeapag eot a do piktyur ngara.

Pati dayang sign ngara hai mapayuhum ka gid pagsueod mo.

May corner pa para mangapengape o kaya pungkuan mo gid ing pagbasa. 

Inabutan kami it uean habang nagaboebaktas kaya napasilong kami sa sangka Chinese restawran.  Dahil maeamig sa Baguio ag eumamig pa gid pag-uean, order eagi ako it tsaa.  Pangpainit. Manami do peppermint ngara pero ang paborito gid nga tsaa hai chamomile dahil sa kahumot habang nagahigop ikaw.

Bukon it akong order da pero ginsamitan ko eang.  Manami man pero manok man gihapon imaw nga 45 days kaya hasta eang ako sa samit-samit.  Nagpundo ako it kaon ko manok nga 45 days kaya ginalikawan ko gid magbakae o mag-order kara.

Ako kaibahan ang mentor nga si Ate Maita habang gaenjoy sa among ulihing ihapon sa Baguio dahil pagkatapos kara diretso eon kami sa terminal it bus.

Pagpanaug ko pa eang sa terminal it bus sa Baguio ko aga-aga ngaron, hakit-an ko do manugtaho.  Nabasahan ko sa isang blog nga manami do taho it Baguio kaya unang-una ko gid nga ginkaon hai taho flavored strawberry ;)

Dahil agahon pa para magtsek-in sa Baguio Country Club, naglibot-libot anay kami sa syudad.  Gin-usoy namon do café and bakery ko among kilaea ag imaw man do nagpasueod kamon sa Baguio Country Club dahil indi ka kasueod sa hotel kung bukon ka it member.  Ag dahil gingamit namon anang membership privilege, barato eat-a among ginbayran.  Kung hinaeang kamo sa Baguio maeapit imaw da sa Session Road.  Manami do andang pandesal.  Owa ako gakaon en it pandesal ngaron dahil white bread pero gapakisama mat-ang sa ang mga kaibahan kung amat ;)

Nakibot ako nga nakit-an ko ro brand it ice cream ngara.  Una kong samit kara hai namian gid ang.  Gin introduce ra kakon sa ang amiga kat sa Assumption pa ako gaubra.  Family business nanda ra.  Nalipay ako nga nakaabot eon sanda sa Baguio.  Hin-uno kaya makaabot sa Aklan?  Manami ra nga ice cream.  Kakaiba gid a da lasa.  Maadik ka kung hisamitan mo ra.

Namian pa gid ako sa lamesa.  Simple pero elegante with style.

Hara do kape, pandesal ag butter nga ginpamahaw namon.  Owa ako kasamit ko Dan Eric's ice cream dahil gakurog eon ako sa eamig ;)

Sa Session road man gihapon makita mo do Azotea ngara.  Namian eang ako sa anang disayn kaya ginpiktyuran ko.

 

Sa sueod eon da it Oh My Gulay.  Puro kahoy ag may view pa ikaw it Baguio habang nagadamoe eon do fog.

 

Among mga gin-orders ag siempre samit-samit eang dayon para abo man imong hisamitan sa andang menu.  Nami tanan do pagkaon nanda.  Ayos man do presyo affordable. 

For once nalipay ako pagkakita ko nga ro siding it pasta hay wheat bread.  May class ro taste kung kakon pa.

Magsueod ka sa building kung siin do Oh My Gulay daya ro tiles.  Aliw lang ;)

 

Abo pang dapat balik-balikan sa Baguio.  Indi gid ako magsawa nga mag-adto dahil abo pirmi nga pagbag-o ag nagapabilin gihapon da magic kakon kapin pa kung gatikang-tikang ako sa Session Road ;)


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Things to do in Masbate ag mga Tsismis

ikot-ikot sa Baguio

and the Baguio saga continues.... ;)

Much as we wanted to just stay in the comfort of our presidential suite in Baguio Country Club, we wanted to also check out what's new in the city.  As for me, my last time in Baguio is i guess 2000 pa. ;(  So it's been a while.  Let's go check out the city ;)

first time ko sa Pink Sisters Convent

Session Road on a rainy day

forgot the name of this resto but cheap food and tastes good.  along Session Road

art on the road

 Pag-ikot sa Baguio Market.

This time may listahan talaga ako kung ano ang mga bagay na dapat kong gawin.   At least halos na crossed out ko naman lahat except sa pagpunta at panonood ng PMA cadets at on closed renovation na lokal na kainan.  I had especially great moments along Session Road.

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Baguio Country Club

Last August 2012, i got so lucky to stay in this members only hotel.  One of our friends is a member and is entitled to a discounted room so we took the offer and stayed there.  Luxury hotel it was.  Feels like a queen. hahahaha

this is our room.  presidential suite

our breakfast room delivery

love their bread

BCC entrance

our room with 2 beds and another room is with master's bed

 Andami mong pagpipilian na restaurants.  Depende kung ano'ng cuisine type mo.  Pinili namin ng kaibigan ko ang Japanese ;)

cool sign for the comfort rooms

spacious resto

loved this soup

our lunch upon arrival

lounge

reception

 Ang alam ko lang ang swerte ko to be pampered and to have stayed in this exclusive hotel.  Sarap ng mga breads nila and perfect place sya to stay away from the city.  I would definitely go back whenever there's another chance ;)

Paano maging member ng Truly Rich Club ni Bo Sanchez Be Truly RICH How to EARN by Working @ HOME