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Banking in the Philippines: A Horror Story 1

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Banking in the Philippines is a horror story.  It is a horror story because it would seem like you lost in the casino whenever your bank would charge you fees for their service.  Talk about point blank robbery.  Case #1:  I admit that I would have senior moments occasionally, and at one time, I forgot my PIN totally.  So in order to access my account, which i hadn't done for almost 6 months, I had to also secure another card.  To secure a new card, I had to go to the bank, sign anew and wait for 5 days, of course, you guess it right, I had to pay a service fee of P150.00.  Isn't that great?  Now, the horror story does not end there, since I want to withdraw some funds from my account, I had to withdraw over the counter.   And, why was I not surprised:  To withdraw my money at the bank where I am a depositor, I had to pay another P100.   Wait, there is more,  which is curious to me.  In this bank of mine,  I would be ...
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How Do You Keep Your Brain Active?

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As we grow older, we gradually forget things.  Even our short-term memory becomes weaker.  We forget the activities that we did that day.  We also forget where we placed an object or an item.  When we meet a familiar face on the street, we can't put a name on her or him.  It creeps slowly that it becomes embarrassing sometimes and sometimes dangerous.  I know of someone who was cooking rice but was in a rush to leave because of an appointment, and he forgot to turn off the stove.  The stove went on burning for over 30 minutes or close to an hour that the rice started to burn.  More minutes passed and still the stove was on, the rice started to really turn brown and then black.  The house started to smell of burnt wood.  Fortunately, the other people in the house were able to smell the burning rice and got up in time before the entire content of the pot becomes pure charcoal.  Fortunately, there were other occupants in the house,...
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How to Secure a Better Future While You are Young and Employable

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For the first time in my life, I learned to truly appreciate the job of a financial advisor as well as that of an insurance underwriter.  I have just listened to a lecture about the basics of life insurance, probably I would call it Life Insurance 101.  It was a three-day seminar, kind of an orientation to what being an insurance underwriter or  a financial advisor is. It was a great discussion for those who are not very familiar about the concept of life insurance and boy, it made me want to learn more about this industry.   First of all, somebody who gives sound and knowledgeable advise regarding how one manages his/her finances is called a financial advisor, an insurance underwriter on the other hand assesses whether a person or a project deserves receiving an insurance.   An underwriter minimizes risk by conducting an evaluation of the person or the project applying for insurance coverage.   Each company has its own guidelines or reg...
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