Pros and Cons of not Having a Computer

Its been more than a month since our computer motherboard finally give up. I don't a budget yet so I haven't replace it. I guess having no computer at home do have some advantages and disadvantages and here they are:

Pros:

• I have better sleep because I no longer spend hours and hours of my time in front of the computer especially after work
• Our electricity bill went down (P1000 difference from the previous bill, wew!)
• I was able to watch cartoons with my kid
• I realized that I can live without PC, (@_@)

Cons:

• I cannot pay my bill online
• I cannot check my cc / ATM status
• I cannot check my email for important updates
• I cannot do blogging which is my sideline
• I cannot read chikas and do social networking... missing my Facebook

Haayss... its really a hassle for me. I guess I just need to control the usage of it once I buy a new motherboard.

Leadership vs Management

I applied for a Team Leader post at work but was not able to make it. Even though that is the case I did learn a lot. I need to improve the tone of my voice so that it will be more convincing selling my self. Also while studying about leadership I was able to read about leadership and management and difference between the two. 

Manager is more focused on systems and infrastructure.

Leader is a people's person and is more focused on his/her team.

Managing is about efficiency. Leading is about effectiveness.

Managing is about how. Leading is about what and why.

Management is about system, control, procedures, policies and structure. Leadership is about trust - about people.

Leader draw people to them by enrolling them in their vision. What leaders do is inspire people, empower them. They pull rather that push. This pull style of leadership attracts and energizes people to enroll in a vision of the future. It motivates the people in helping them identify with the task and goal rather than by rewarding or punishing them.

To manage means to bring about, to accomplish, to have charge of responsibility, to conduct.

Leading is influencing, guiding in direction, course, action and opinion.

For me it goes hand in hand. You must know when to manage and when to lead. 

Citibank Payment Assistance Program

Just read the reply of Citibank customer service last night about the consolidation that I am asking. It is weird because they are asking for my contact info. They said it is being offered to selected client and they need my contact info so that they can forward it to the concerned unit who will contact me directly. I did not reply to it because how come they can call me offering different promos and when they think my payment has not yet posted. I am sure they have my contact info. Anyway I will try instead my best to pay it off, I haven't been a delinquent customer. I am just asking for a little consideration and I am disappointed with the reply.

Citibank Consolidation

Yesterday East West Bank called me again asking me to send her a photocopy of one valid ID. I told her I changed my mind and I no longer want a new credit card. She told me it is already in the mail and told me to accept the card so that she will not get charge. She ask me not to activate it instead when I receive it. I wonder if its already in mail then why is she still asking for a valid ID. I also read online that some cc are already activated when delivered. If its already in mail then I might activate it, hehehe, but still thinking about it. 

I have 2 cc from Citibank and both of them already reached the limit. As much as I want to pay but what's happening is every time I made a payment I use it again. It is because I really have a lot of payables and is having problem budgeting. I no longer need to discuss what are my other payables but you know sometimes in your life you just find your self with too many debts and don't know what to do. I've read a lot stories about the harassment being made by the collection agencies. I don't want my account to be transferred to those collection agencies. I've read online some people who had called their bank and was able to have an easier payment scheme for their cc. I don't know if Citibank offers that. Anyway before I wrote this post I already send an email to their customer service which I always get a prompt reply. I will share with you guys if they offer me any consolidation. I hope they would.

Another Credit Card

I got a phone call last Monday from East West Bank offering me a credit card. I have two cc which I already reach the limit. Haay, I don't know if its a good idea to have one more card, I guess not. Financially we are struggling. It's been a year since I give birth to my second child which worsen our financial issue. Her vaccines are too expensive plus the milk and diaper that she needs every month. As a mother I sacrifice a lot of things. I even think twice before spending a P100, that's how hard it is. I maybe earning a lot but with all the payables that I have and the only one working, what I am getting every month is not enough. I actually decided to get another credit card so that I have something to use if I don't have money. 

Sometimes I pity myself, I am thinking if I'm only single I could have enjoyed a lot of things with what I have. I could buy the clothes that I want, I could travel to different places, I could buy gadgets, I could enjoy life more. But I told myself I need to be strong, self-pity would not help at all. I know in God's help we will be able to recover from this. Someday I will share this experience on how I was able to recover and be an inspiration to others. God is the strength of my heart and the smile from kids give me courage not to give up.

Dream Vacation

This is a Sponsored Post written by me on behalf of Kissimmee Tourism. All opinions are 100% mine.

It's been a while since my family had a vacation. I hope next summer we will be able to go somewhere to have some fun. I was able to visit Hong kong before but it was with my sisters in law. I am dreaming of going out of the country with my family.

I hope that someday I and my family will be able to visit Kissimmee, Florida. We would stay in Celebration Suites at Old Town. Aside from it being affordable it is only 2 miles away from Disney Park which my kids would definitely enjoy. We would surely visit Walt Disney World Resort and take adventure at Disney's Animal Kingdom Park. I am really excited for my kids and I want everything to be memorable for them.

Since my little boy love swimming it would be a great idea to have splash at Disney's Typhoon Lagoon. I would like my kids also to experience fishing and hiking. After having those activities we would visit Florida mall and go shopping. I really love shopping, specially items on sale. I would buy gifts for my friends and of course toys for my kids. I hope one day this vacation will come true, it may not be with my kids but maybe with my grandkids.

For you guys who are planning to have a vacation and doesn't have an idea where to go yet visit http://bit.ly/dlBGMu and explore Kissimmee. Plan your dream vacation now. They offer a lot of things and I am sure you will never run out of choices.

New Hair Style

For so many years I have a long hair. Most of the time I just trim it or have it layered. This time I am thinking of having a short hair. I wonder if it would fit me. I remember when I was in high school and college I was able to cut my hair short. I was thin before but now my face is bigger as well as my body, hehehe. Anyway I am not going to do it right away but I am thinking of cutting my hair maybe before Christmas. I'll just post my picture if I decided to do so. ^_^

Medicine for Pain

Tramadol is prescribed to treat moderate to moderately severe pain. It comes in many forms like capsule, tablet, suppositories and liquid. The said medicine is not recommended for pregnant women. If you wanted to buy tramadol online without a prescription try to visit www.7letras.com.

Pag-ibig Approved our House Loan

Last week I received a phone call from Prosperity Builders Resources Inc. that our house loan has been approved by Pag-ibig on August 20, 2010. After a few days I also received the letter from Pag-ibig. I was told by the guy who called me that my first check for Pag-ibig will be due on October 20, 2010. I am a little bit confused with that. My mom read the letter and she told me it is due September 20.

Yesterday we went to Prosperity to clear the issue with the advanced MA that we paid. (Correct, we are asked by the developer to pay what they call advanced MA even if Pag-ibig haven't approved the loan yet. I guess they are doing this because they don't have enough fund and using the money of the buyers to make the business going). 

When we arrived we are number 4 on queue for turn over. I overheard the two woman talking before me that they also pay advanced MA. The older woman said they pay 5months while other one says they paid 3months. Wow, actually mine should be 9 months but I only pay 7months of it. We waited for almost 30mins. Then they give me a turn over agreement that I need to sign. I was also asked to submit a photocopy of my 2 valid IDs.

I went back and told him that I would not sign the papers yet because on the agreement I only have 10 days to inspect our unit for complaints upon signing the agreement. I verified with him when do I need to pay my first Pag-ibig check, is it before October 20 or before September 20. He answered me October 20. Then a guy beside him checked the letter from Pag-ibig and told me it should be September 20. They argued and at the end agreed that I need to pay it before September 20. If it was not corrected I would end up with a returned check and need to pay P1500 to GMA bank if it happens. Haaysss.... I asked him if they can offset the P3700 for the turn over and amilyar from the advanced MA that I gave them and he said no. He refer me to a woman named Janet for clarification about the advanced MA.

Actually earlier while waiting for the guy who will assist us with the turn over my husband approach Ms. Janet to ask about the advanced MA. He was told to finish the turn over first. When I approached her she seems hesitant to help and even asked me if I am done with the turn over. I told my concern was the advanced MA. 

She have this frustration on her face and a high pitch tone. She doesn't even smile at all while trying to explain. She said the advanced MA will be remitted to Pag-ibig and will be deducted to the principal. She said in effect it will pay off the number of months that I need to pay with Pag-ibig. Let say if its 30years, if I paid 6months advanced MA then the remaining will be 29yrs and 6mo. We are told to go to accounting to verify when it will be remitted to Pag-ibig. Out of my frustration I did not even say thank you to her we might even have a fight if her voice did not tone down. 

We went to 6th floor and talk to Jen. She seems helpful. She told us that it is already in process and might be remitted before the end of this month. I have her phone number so she said I can call her to verify if its done. 

Wew..... its really a head ache every time I visit them. Thanks to my mom who always accompany us every time we visit the developer. Anyway, I am hoping that we move in either this December or next year. 

Fukuda Warranty

My husband heard a weird sound and when he checked it, it is our Fukuda stand fan. The screw on the back is loose and a plastic part inside split into two. I remember we bought it last summer because our Hanabishi fan stopped working. That Hanabishi fan that we have give us cool breeze for so many years. It was a wedding gift to us 5 years ago. 

I started to look for the receipt of our Fukuda fan in my wallet. Good thing I found it. Although the ink has faded it is still readable. I remember the sales guy told us to photocopy the receipt since the invoice in SM actually fades. It is dated May 30, 2010. I texted my mom to ask if our van is there so that we will not have a hard time bringing the fan to SM Molino. My mom told me they are also about to go there. We went to customer service first then went to the appliances of SM Hypermarket. I think it took me 45mins because Fukuda only has one agent, whom they call dizer (I guess short for promodizer). The guy checked the damage, let me fill out out a log book and then give me a receipt. Actually my wait time is longer than the process. I was told to wait 1-2 weeks. 

Long Lost Friend

When I started using Facebook I get hook to it easily and forget about my friendster account. Once in a while I would still open my friendster but I no longer update it. I love the wall post, the live chat, sharing of pics and photo, tagging, different applications.... I am really enjoying facebook. I used to watch pictures of my highschool and college friends, relatives and previous officemates. Its fun to see how they are doing now. Some are now working abroad, some look fabulous, some already have kids, some are just having fun and some just stay the same. I enjoy watching their pictures and some pictures of the past. 

Last week to my surprise my "kababata" (childhood friend), Apple, added me as a friend. She was my playmate when our family move to Paete Laguna to try our luck in bakery. We stayed there for one year and eventually go back to Pasay where we used to live. I was in grade 5 then. There is already computer but it is not as popular as now. We used to play chinese garter, sipa and touch taya. When we move back to Pasay we still have our communication through regular mail. It was fun reading letter from a friend. I think I still have her letters somewhere in our house. I don't know what happen why we stopped the communication. She is now a grown up lady and still single. I know she will grow up as a beautiful girl. Too bad my computer at home got broken so I am unable to access my Facebook account as often as I wanted. I hope I would still meet other long lost friend that I have, maybe someone from elementary.