Your Daily Dose of Useful Stuff

After the last glass of wine had been drunk, after the last slice of cheese had been eaten, after that last container of  leftover 'biko' had been consumed, it's time to face the new year.  And as we always promise each year, we always want to resolve the problematic areas in our life at the start of the year.  Call it what you like:  resolution, goals, whatever, they all aim at fixing our broken promise the past years.   So, what do you plan to resolve this 2019?  Here's my short list of 2019 goals or resolutions: 1.  Avoid procrastinating and corollary to that is:  pay your credit cards ahead of time.   Upon receiving the bill, if you have enough balance in your account to pay it, pay it immediately.  Don't wait for the due date because if heaven forbid, there is a brown out and you pay online, imagine if the brown out would take days?  You will incur that dreaded delayed payment charge  of P850.  You will make Citibank, HSBC

I have been a SUN user of almost three years, but I have very rarely bought their deals because of some very bad experiences I had in availing them.  I would often buy regular loads of 150 and stretch it out for two weeks because I don't trust the deals of SUN.  You see, I once availed of the CTU100 in order to call someone who is residing in Cebu.  Now, the CTU100 has the following features (see below):  It really is not a great deal.  Come to think of it,   The CTU30 has better features because we can call other networks.     So I bought the CTU100 once, but when I tried calling my mother, my regular load was subtracted.  That was a wake up call for me.   I complained about it in one of the small outlets of SUN in the outskirts of Manila, the manager of the said outlet said it's difficult to follow up and check because it's been three weeks already.  The  confirmation is still in my phone though.  If he only exercised due diligence, he will try to find out and chec

Cervical cancer is a big killer of women so we should be armed against this criminal.  I have been meaning to get a vaccine for the longest time and finally, I got it when Watson's offered it last February 18, 2018.   Before I was administered this vaccine, there was a questionnaire that I needed to fill up.    The doctor also confirmed the answers I wrote down,  especially those pertaining to allergic reactions.  

Don't be a victim like Rosita (not her real name)  I heard of her story while I was also going to send money to a retailer in Mindanao because I was purchasing something.  Rosita is 70 years old and like people her age, doesn't pay attention much to details especially that she has been sending money through this popular courier a hundred times already and was satisfied of their service, until that fateful day of June.   She sent the amount of P2000 to her grandson as a fiesta present, so that he can buy something new to wear or spend while watching the festivities.    Her grandson   was so excited to get the cash but he was denied the first time he came.  He requested that the control number be sent again, to be sure, so Rosita sent it and again, he was denied.  He was made to return several  times in order to speak with the cashier, but he was denied again and again.  Until somebody said that the money was already claimed by another person.  (The said transaction has been

My experiment paid off!  I am not one who easily buys too-good-to-be-true promos, but somehow this earninghabit.com sounded sensible though it still could not explain how they are able to pay their members thousands of dollars a day, assuming that what they are claiming is true.   So upon clicking the site, I was asked to register.  Thank God I have an email I use for these kinds of purposes, just in case.  Without any difficulty, I was given an account and an initial earning of, would you believe, $25 and will easily become $300 once you let others register.  So I promoted the link to all social media that I have, Twitter, Facebook (2 accounts), Google+,  I posted it many times.  Why did I do that? They promised me a pay off when my account reaches $300.  So I monitored my account and true enough after 55 invites, I was able to earn $365.  Wow. I was so excited to get my $365.  I was already making plans to spend it over the weekend.  I was thinking of buying a tab for my m

I thought my faith in Citibank will finally be restored when they granted my application for a credit card after over ten years that I did not avail any of their products because of a traumatizing experience.  I'm sure all of us have heard 'horror stories' of Citibank's  violations of human rights in countries like Indonesia, etc.  where they send "T-H-U-G-S" to pressure card holders to pay up.  For a supposedly large and global financial institution, it's  surprising that they still employ barbaric methods in this computer age.   I was minding my own business in one of the malls in the metro when I was approached by a Citibank credit card agent offering me their products and dangled the fake bait which is zero annual fee for life.  Little did I know that this agent omitted a big factor.  While I acknowledge that it is my fault for biting the bait, I still think that Citibank should not mislead anyone and prey on human weakness.  Anyone would ju