Life’s Lessons

Another motto that I and Ace are living with now is “there’s a time for everything”. You see, we aren’t into saving much this time because we are still in the stage of personal gratification aside from our monthly financial obligations. I was concerned about this one time so I told him (in a worried manner) “we aren’t saving” and he immediately replied “there’s a time for that. For now let’s just enjoy the fruit of our labor”. Exactly! Let’s enjoy life! Coming from my husband’s mouth who is such as worrier for the future? He must have changed his paradigm. That made me think, it’s ok to shop!LOL. We are taking turns in spoiling each other and we both love it! Hence, there’s always time for everything.

A time to shop and a time to save

A time to enjoy life and a time to worry about the future

A time splurge on things and a  time to buy gold bullion for investment

A time to sow and a time to reap the rewards of what we sow.

Truly, things in life has its own perfect timing. Life is great only if you know how to enjoy the moment and not focus on worrying about what we will eat tomorrow, in short, trust in HIM.

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I am contemplating of a nice business to help support in our daily needs should I get tired of working online and blogging. Or, it could be a good business that I can do at home. Aside from the online store of goods from the US (which I and Ate Eunice have planned), what interests me is making Durian goodies. I am not so impressed with the packaging of our existing Durian delicacies here in Davao. It is far different how other places pack their delicacies. It’s world-class! I was so impressed with the packaging of the Pili Nuts from Bicol Region, the Peanut Kisses of Bohol, the Pastel of Camiguin, the Dried Mangoes of Cebu, and other provinces. So if I make my own Durian goodies, the big difference from the existing brands is the packaging. Of course the taste will always be the same. I can make it taste like Lola Abon’s, I assure myself!hahaha. Oh well, that’s a long way to go. Before my Durian candies will be known, I have to have a name first. So a brand name is needed to apply for a business permit. And getting a business permit requires a lot of effort, a lot of documents, etc. that I may need the services of a bookkeeper or a CPA firm like the Kondler CPA to take care of everything. That if I wanted a hassle-free processing. Oh, my bad! Kondler is a Las Vegas cpa firm so it’s impossible for me to get their services. But I will truly recommend them to friends in Vegas who are looking for CPA firms to take care of their financial statements and tax compliance. Kondler CPA also offers business consulting so it’s a plus. So friends in Vegas, why not try the services of Kondler CPA. I’m sure you’ll be one happy business owner.

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While I am enjoying my earnings in full, no government mandated deductions and others, I don’t enjoy the benefit of being able to apply for transactions that needs ITR. I could have qualified for Pag-Ibig housing loan but I don’t have that document. Same with my other colleagues, they are deprived of the chance to apply for housing loan with HDMF. I told our neighbor about my plan of getting the services of a bookkeeper to take care of the financial statement and individual tax compliance so I’ll have that sought-after form – ITR. Luckily, everybody (DWC people) here in Davao are also planning to get a bookkeeper for the same purpose as mine. Since I have no idea about accounting firms here, we might as well get my former colleague or her husband (Ace’ colleague) to take care of our tax compliance. If only we’re in Las Vegas, chances are we might get the services of Kondler CPA – as they are one of the Las Vegas cpa firms with good records in providing services for their clients in terms of financial accounting, tax services, business consulting and financial services. Kondler has extensive experience in handling clients in different industries hence we could be sure that they won’t fail us. Well, we’re not in Vegas, we’re in Davao so we will just get a local CPA.

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Scene: Ace handing me his half-month salary

Me: Just keep it instead. I’ll just ask from you when I need money.

Ace: If only I could, I will save all my salary

Me: But why? What for?

Ace: To buy your dream coach bags!!

There you go Crislyn, your hubby read your post about your dream COACH bags. Keep on dreaming gurl!hahahaha

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Seriously I’ve been thinking of venturing into online stock trading as an additional or alternative source of income because we don’t know till when we will be working with our fulltime jobs or with my blogging. Though we have stable sources of income from both mine and Ace’ fulltime job, it is still wise to find alternative ways to earn so we won’t be financially paralyzed should we instantly decide to leave our jobs or the company we are working for will decide to stop giving us a source of living. However, we aren’t too knowledgeable in stock trading that makes us doubtful if we really could do it. Glad there’s PowerOptions®, that could be of help by providing options express – an easy-to-use software in managing data and doing the trading business online. Another good thing with PowerOptions® is the 14-day free trial, a good way to know if we’ll be doing good with it or not.

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Mamang used to say I should buy gold jewelries before I get married for two reasons – I might not be able to buy one for myself when I am married, and it’s a good investment. I actually heard my former colleagues saying that gold jewelries are good investment because its market value appreciate and does not depreciates no matter how old it is.

To this day, buying gold is still a good investment because the price of gold is getting higher. Aside from jewelries and gold bullion, gold coins could be a good investment product and if you are looking where to purchase it, try at Monex Deposit Company (MDC). The products could be delivered to you or could arrange a safe bank storage if you want to just store it in a safe at the bank. I think this is a wise investment. Instead of just letting your money sleep in the bank with a meager interest rate, why not try investing in gold coins and other precious metals such as silver.

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My sister learned a way to save. She and Kuya Ace brings food for lunch. At first she was only bringing rice. Since I want her and Ace to save some amount from eating in their respective canteens, I cook for their lunch early in the morning. Rising early is a lot of sacrifice for me though because I can’t sleep until past midnight making me sleepy as early as Ace leaves for work. I only make up for that lack of sleep for at least 30-min afternoon nap. We have saved 50% from Che2x’s daily allowance since the day she’s bringing her lunch to school. With Ace, is bringing his lunch because he’s sure that he likes the food. If he can’t bring his lunch, he goes home to eat during lunch break. Canteen food are commercialized so the taste is different from that of home-cooked. 

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Yes, you read it right….credit scam. I wasn’t expecting there is really such. I thought scams only exist in business, online jobs, or anything that goes with money. Now I know credit scam is also possible. Well, with the internet, nothing is really impossible. Most scams are through the world wide web. Fraudsters are also almost everywhere. They can easily victimize credit card holders in subtle ways such as selling something over the phone to get the card holder’s card information. There’s a lot of ways one can be a victim of fraud and scam. Hence, it is always safe to be sure that when doing an online transaction using a credit card, be sure that the site is legitimate and real. Credit card holders are also advised to get their credit score from time to time to check for signs of credit fraud early. This is really scary and I hope I wouldn’t be a victim of this should I get a credit card and put this in mind…never pay for a pre-approved credit card because it surely is a scam.

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Our yesterday’s trip was indeed worth the money, effort and time. Ace is now interested in going to beautiful places since he can afford to.LOL. We will definitely go back there with PILs because they’ve never been to Philippine Eagle Center. I was then thinking of Ella, Donald, Carol and my Daddy to also bring them there. The only problem is the transportation. We don’t have a car and going there by means of public transport is not very convenient for us. Anyway, Manang Inday then told Ace he should have a car so that we can go anywhere we want at anytime. Ace is thinking about that months before but since it is a very BIG investment, we cannot afford to have it now nor in the coming months. On the way home, Ace was asking me if he can avail of a loan…hmmm…guess what he is referring to is a Pay Day Loan. Finding such is not that difficult because there are a handful of companies offering Payday Loans….some are even online! It will be more convenient for Ace since he is working and payment dates would not be a problem with payday loans because as the term implies, it could be paid during payday.hahaha. So, I guess he will be considering that option to be able to get his dream car. Then, we need so many moolah to pay for it!

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A former officemate asked me one day for a certifate of employment with compensation for debt consolidation loan purposes. I wonder what that kind of loan is different from other loans such as salary or payday loans, character loan, etc. She was telling me she needed to consolidate all her debts (imagine she has a number of credit cards) into one so she needed a big amount to pay for all her debts outside and she will then concentrate on paying one account. Ok, got it. That’s it! I asked her what’s the point of acquiring a big amount to pay for all other balances because it’s somewhat the same story. Anyway, according to that officemate, it’s for her convenience. Instead of rushing to meet due dates from time to time, all she has to do is to worry for one account alone. That would save her much time of going to different banks to pay. Well, she has a point there. I just didn’t realize at first that it’s possible. Now I learned that there’s really such a thing as debt consolidation and even come across a website of such services. Nodebttoday.com offers debt consolidation services. It aims to help debtors to get out of debt. It’s main business is to communicate with all the institutions and consolidate all payables be it secured or unsecured loans at a very low interest. This way, debtor will be able to manage the payables well instead of paying with such high interests.

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