Posts Tagged ‘something to think about’

“You must speak to Jesus not only with your lips but with your heart; in fact on certain occasions you should speak to Him only with your heart… One searches for God in books. One finds Him in meditation.”

Happy Feast Day St. Padre Pio, one of my favorite saints.

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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.

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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

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The cold mornings are back

Or is it just me

enjoying the break of dawn

when the morning wakes up

slowly in its slumber.

So many dreams to unfold.

So many possibilities.

Hello world!

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Almost every year I would always  add this at the end or at the start of my blog, it’s why I made my photo quote, you are free to share it if you want.

Life is one big canvas and the meaningful experiences add colors to it. Enjoy it as much as you can.


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♫♪♫It’s that time of year
When good friends
Are dear
And you wish you
Could give more
Than just presents
From a store♪♪♫

Christmas gifts need not always come in glossy packages and colorful ribbons. They need not be elaborate things that you can only find in shopping malls or gift shops. They come from the hearts of those who believe that it is more important to have love, peace of mind and happiness to name a few.

Every year or when I am not inspired to write, I always read the book Simple Abundance by Sarah Ban Breatnach, a day book of comfort and joy that have 366  lovely and inspiring essays for women, one for each day of the year. It is one of the most treasured books that I have on my shelf.  I read the essays at random now but the December entries are my favorites. I am re-posting her own version of the twelve gifts of Christmas. I hope you will find the list as uplifting as I do. I remember posting this four years ago, the message is still the same though. And it’s six days to go before Christmas :)

  1. On the first day of Christmas, I gave my true loves: The Gift of Undivided Attention.
  2. On the second day of Christmas, I gave to my true loves:  The Gift of Enthusiasm.
  3. On the third day of Christmas, I gave my true loves: The Gift of Creative Energy.
  4. On the fourth day of Christmas, I gave my true loves: The Gift of Simple Seasonal Pleasures.
  5. On the fifth day of Christmas, I gave my true loves:  The Gift of  Tenderness.
  6. On the sixth day of Christmas, I gave my true loves: The Gift of Good Cheer.
  7. On the seventh day of Christmas, I gave my true loves: The Gift of Beauty.
  8. On the eight-day of Christmas, I gave my true loves: The Gift of Communication.
  9. On  the ninth day of Christmas, I gave my true loves:  The Gift of Surprise.
  10. On the tenth day of Christmas, I gave my true loves: The Gift of Wonder.
  11. On the eleventh day of Christmas, I gave my true loves:  The Gift of Peaceful Surroundings.
  12. On the twelfth day of Christmas, I gave my true loves: The Gift of Joy.

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I don’t normally blog about daily news and happenings here in our country  except for occasional posts on some politicians that I just can’t tolerate and the 42 days that I watched the daily hearings with mom when our former Chief  Justice Renato  Corona was impeached.  I did a daily post on that until the last day.  This morning, I was listening  to  the AM news and this caught my attention. A Metro Manila Development Authority traffic constable was assaulted by a guy driving a Ghibli Maserati. The traffic enforcer accosted the driver when he was trying to do a left-turn in one of the major streets in Quezon City. The motorist then went straight  ahead but made a U-turn, went to the traffic enforcer’s post, and gave him the dirty finger at the same time snatching his cellphone and punching  him on the nose three times while the car was cruising on auto pilot. He held him by his uniform and managed to drag him at least 10 meters from his post. The enforcer also recalled that the  driver removed his grey-blue shirt and threw it at him so he could wipe his bloodied face.

Does having a multi-million car in your possession gives you the right to disobey traffic rules and ignore a man in uniform? Does being rich makes you untouchable that you can do all you want  when you are out on the streets? MMDA Chairman Tolentino was fuming mad when he learned about this and with the help of the dealer of Maserati cars here in Metro Manila, they were able to trace the name of the car owner/motorist. According to reports, there are only two buyers/owners of such luxury sports cars so late this afternoon, they were able to zero in on the man. Come to think of it, his car doesn’t even have a car plate number.  There were several instances before very similar to this one, some of them even taking out their guns to instill fear on the hapless traffic enforcers.

Where is this world coming to? I hate to think that when money speaks (and I include our corrupt politicians here), good manners and values go to the dogs.  I am not generalizing since there are more moneyed individuals who help our economy grow. I am referring to those who lose their values when they display  what money can do for them.  They equate money with power. What they don’t know is, they could not bring it to their graves.

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