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Cash Or Credit?


Don’t you just love those shiny plastic cards in your wallet that would allow you to go places and enjoy? Wait a minute. Before you think of using those credit cards in your wallet, think about this. I am not against using one (I have one in my wallet too) but you must learn to use it to your own advantage.

It’s the start of the BER months and some people are quite excited to make their list, looking for bargains (be it on travel, or gifts for families and friends). It is quite easy having a credit card because you won’t have to carry cash when you shop. You just have to present it and voila, everything  would be easy. Right? Wrong (sometimes).

A few years back,  I blogged about the advantages and and the setbacks of having a credit card. I can easily relate to it since I was a banker for more than twenty one years. I am sharing them again here. Some people think that having a credit card is some sort of  status symbol, when you have that shining plastic in your wallet, you could go anywhere you want, buy an item at the spur of the moment or eat at some fancy restaurant. When the billing statement comes, that’s when you scratch your head thinking where to get the money to pay  your bills. Credit card approvals are quite easy to get nowadays and the credit card limits,once you start using them are considered short loans from the bank and have fixed rate of interest if you opt to pay them the minimum amount stated on your bill. Once you make a default payment, surcharges are slapped on your next bill. Do you know that you could turn it to your advantage if you are a full payor? Being a full payor means you pay the full amount stated on your bill and you don’t need to wait for the due date to settle it. When you are short of cash and you want to have a month’s leeway in paying your bills, by all means do so and it would be to your advantage. How? You’ve used the bank’s money for a month without paying interest in return. Get what I mean?

Paying in cash of course is the easiest you can do because you would not need to worry about monthly credit bill payments. You won’t have to worry about surcharges too but if you know how to use your credit card properly, it’s like carrying cash in your hands without the fear of being robbed in the process. The best way to do it is pay via credit card for your purchases and pay the credit card company before your bill is due. You can enroll your accounts online including your utilities and you won’t have to leave your chair to pay them outside, a convenience right in your own home.

Cash or plastic? Take your pick.

Hello September


Welcome September

Hello September!

How time really flies and some of you would probably react and say it is too early yet to greet you  “Merry Christmas”. In our part of the world, Christmas celebration starts as early as September and ends up as late as February of the following year but you  have probably read that in my earlier posts. There is that welcome anticipation on what the rest of the year will bring. Sometimes though, September is wrought by rainy days, flash floods, typhoons but there  is that comforting thought that when the BER months come, happy days are here again because no matter what life brings, there is always that something to look forward to, a celebration with families and friends.

By the way, thank you so much for visiting my blog, for all your likes and lovely comments. I think I have reached a milestone  with 350,399 hits. This made me smile :)

Welcome September!

Today’s Quote


Today's Quote1

The sea does not reward those who are too anxious, too greedy, or too impatient. One should lie empty, open, choiceless as a beach – waiting for a gift from the sea….anne morrow lindbergh

Life’s Simple Pleasures


Take that to mean lots of smiles for the simple me who takes simple pleasures in most things. I am celebrating my 5th year as an admin of our Catholic page on Facebook. I can’t imagine how I lasted this long since most admins that we appointed have left, they find it too taxing to make research, post inspirational stories, post Bible readings for the day and maintain the site. There are only three of us now, a Dominican priest friend who created the online  aspect of  Apostles Filipino Catholic Community and another friend who is a lay minister in their parish. I know it is not smooth sailing all the time but I thank God for the opportunity of serving Him in my own little way. Fr. Louie nicely put it this way,  You have been serving the Church through your talent as an online missionary“. It makes my heart sing.

It was Josef’s rest day today so I asked him if I could tag along when he goes out and  suggested that we’ll just have our lunch outside. I was so excited to taste the new product of KFC which they call Chizza ( supposedly a combination of chicken and pizza). Nothing much to rave about, it’s just like an ordinary pizza with chicken, a bit pricey for such a small serving but at least I would no longer imagine how it tastes like. He went to Makati to apply for another job while I was supposed to go to Robinson’s Galleria to look around. The UV Express made a short-cut so I ended up at Megamall. The driver reasoned out that he asked so I also asked a fellow passenger if she heard but she answered in the negative. Some people could be annoying, it wiped the smile off my face :(

On the way back, I rode another UV Express (they are cheaper in lieu of taxi but they have to fill up the 14-seater van to capacity, make that 18 passengers, the drivers/owners are wise, you know). Had a good chat with some fellow passengers which started with a box of Dunkin donuts, learned a few words from an authentic Taytay resident and  I was a bit surprised that they have another dialect different from Tagalog. We also touched on the local government officials of our towns and about flood and climate change too. How easy it is to communicate with people from other walks of life because they are friendly enough to share. Before we knew it, we’ve reached our destinations without getting bored with the traffic. I’ve missed this kind of interaction which is  oh so different from having an online chat with friends. It’s kind of different when you see the smile on their faces instead of a smiley emoticon in front of your PC.

Life’s simple pleasures, things that make you smile.

It’s A Pink Wednesday


Ah yes, color me pink for the day.

I spent the early morning in the garden weeding a bit. I don’t know, our carabao grass needs trimming again, it seems to grow by leaps and bounds. The rainy days last week contributed to the rapid growth of everything. I had a lovely time picking some Calamansi (Philippine lime) from our two fruit trees in the yard. They are almost ripe, just perfect for a pitcher of fresh Calamansi juice. Our Bougainvillea planted at the corner outside our perimeter wall is blooming again, those lovely clustered pink flowers are a sight to behold. The shrub serves as a protection to our concrete corner wall where there is busy traffic every day. Even my pink rain lilies are showing flowers in every tip. My pink and yellow Portulaca are blooming too so are my pink angels. How lovely to see different shade of pink in the garden. I call it a pink Wednesday.

My son and I had a good laugh a while ago when I heard the Beatles playing on his tab while he was having a late breakfast. I asked him, “since when have you learned listening to that kind of music?” He said, “don’t you remember, we used to watch them when I was in grade school”. Oh, senior moments again.  I laughed. Of course, I remember now, there was this new tv station (on test broadcast for a few days) and they played those old movies by the Beatles and some clips of their concerts worldwide.  You bet, I am now listening to their music on YouTube while blogging :) Those were the days and the good thing about the 60’s and 70’s music is that you always have the option to listen to them even just on YouTube.

Do you find pleasure in listening to old music, that kind that resonates with you, that kind of music that was a part of your growing up years? I do.

Understanding File Sizes


Oh no, I only have 30% left on my allowed free space for WordPress before this blog says goodbye.  I don’t intend to update it into a premium account then have to pay it yearly  just like I did with Multiply before. It is a personal blog and I don’t intend to use it to earn something extra. I remember attending a forum (paid at that with a bloody sum of P5,000.00 pesos) promising to teach online marketing, learning about SEO, finding your niche and such but then after the event, I realized it is not for me. I’d rather be the author, the blogger, the editor and publisher of my own posts than linking them to some other sites  that pay a minimal sum when readers click the sponsored ads on your post.

I have a free allowed space of 3,072 MB total since I am using a free theme. Most of us I think have the same limits.  I have used up 2,135.46 MB roughly 70% or a total of 936.54 MB remaining. How big is too big or how small is too small? Would I need to crop my pictures or post them  in a lower resolution format? Or would completely ignore posting photos because they eat up more space compared to just pure text? I wonder how many more blog posts I would have to write before this goes kaput. These are the computer storage units that we use like any other kind of measurement, kilo, mega, giga and tera.

  • 1 B = 1 byte;
  • 1 kB = 1000 bytes;
  • 1 MB = 1000 kB;
  • 1 GB = 1000 MB or 1 000 000 000 bytes

A 500-word blog entry is roughly 3,000 bytes so you can deduce from there how many more entries would fit into my remaining free space. Who knows, maybe in the coming days, I would not be able to find something interesting to blog about or maybe in the coming days, no one would visit my blog anymore because they are fed-up with what I am sharing here or maybe in the coming days, I have created a new site for my thoughts (I have actually started one but haven’t updated it yet).

Why am I worrying? I could still follow all those wonderful blogs that I regularly read, like and comment on. Just a word for new bloggers, resize or scale down all those hi-res photos before you upload and click publish unless yours is a photography blog and you need to show the minute detail of each post.

Happy blogging everyone :)

Memories Are Made Of This


I wonder if I ever shared this picture here, I can’t remember. I only did a few write-ups about my chemo days, the early years of blogging have been about getting well, getting on with life and trying to live it the best way a cancer survivor can. Would you believe that I met online friends here who shared and underwent similar journeys with me?

Facebook reminds you of a previous post you did years ago on the same day and month that you posted it and I got this.

I remember this....spending my 53rd birthday at the UST Benavidez Cancer Institute while having my 4th chemotherapy. With one of my oncologists, Doc Julie!

I remember this….spending my 53rd birthday at the UST Benavidez Cancer Institute while having my 4th chemotherapy. With one of my oncologists, Doc Julie!

Really, it made me smile and memories are reborn. A former classmate in high school prepared snacks for the doctors and nurses at the Ambulatory Care Unit of the UST Benavidez  Cancer Institute. She brought a large tray of  Pancit Malabon, drinks and cookies. Despite the two IV drips attached to my arm, I enjoyed those moments I spent with the staff. The first time I saw that Oxaliplatin IV drip wrapped in a black cloth bag, I just can’t help but think….that’s poison but still I have to convince myself that it would make me get well.I asked the oncology nurse why it has to be wrapped in black and she said that it should not be exposed to the light.

It was one of the best birthdays ever, because back then, listening to them singing happy birthday made me think that life even at its worse makes you feel happy too.

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