Get a Free Copy of 10 Mistakes Every Investor Makes and How to Avoid them

Ryan of In the Money is offering a free copy of his special report: 10 Mistakes Every Investor Makes and How to Avoid Them to all subscribers to his newletter.  Click on this link for more details.

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Quote of the day

It is easy to be heavy; hard to be light.
G.K. Chesterton

The above quote is a bit cryptic but when you analyze it,  it really is true.

Ask yourself:
Is it easier to make people cry or to make them laugh?
Is it easier to be critical or to be enthusiastic?
Is it easier to be fretful or to be satisfied?
Is it easier to yell or to joke around?

Forgiveness and happiness are the hardest to attain but then that’s why they are so treasured.

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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We Are What We Do… Start the Change You Want to See

I see them everywhere.. the ubiquitous “I’m not a plastic bag” bags which  have become such a rage that they are being sold for hundreds of dollars on ebay and mass marketed by pirates.

Did you know where they came from and what they stand for?  The Anya Hindmarch bags were just one of the many initiatives of We Are What We Do, the global social change movement which originated in the United Kingdom and is quickly catching on around the world.  The movement has provided a quick list of actions which represent a simple way in which we can all make a difference to some of the biggest problems facing the world: climate change, poverty, crime, mental illness, community breakdown etc.

The simple and very doable actions range from “smile and smile back” to “recycle your cellphone” to “plant a tree”…

We Are What We Do….

seize-the-moment.jpg

In the Philippine context and in keeping with the Spirit of Edsa (I), I would add:

Be the Change I Want to See.

Related post: https://mommybanker.wordpress.com/2008/02/04/parents-help-build-the-philippine-brand/

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

Subscribe to my feed or subscribe via email to get notified of my next post.

Quote of the Day

Too many people hate their jobs but are afraid to leave, because they wouldn’t be able to pay their mortgage, credit card bills, car loans, or boat loans. Debt can turn a free, happy person into a bitter human being. Debt can turn you into a slave.
— Debt is Slavery, Michael Mihalik

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

Subscribe to my feed or subscribe via email to get notified of my next post.

Sick? Know your HMO entitlements

Here are a couple of things I learned from my son’s confinement:

1.  Know your medical benefits.
Even though our employers use the same HMO,  the benefits were very different – mine (higher room rate – all incidentals must be paid upon discharge),  his (no cash out – subject to deferred payment via payroll deductions).  We had to sit down and compare line by line before deciding to use mine.

2.  Know your rights under the contract signed between your employer and the HMO.
All HMOs have liason officers at the hospital.  Ask them the nitty gritty so that you won’t be unpleasantly surprised when you get the bill.
For example:  My employer has an agreement with the HMO that if a regular private room cannot be provided within 24 hours,  I am entitled to an automatic upgrade to the next class, so long as it isn’t a suite.  Now,  did you know that in MMC,  the next class to a regular private room is not a large private room but a suite?  I went ballistic when I called the call center and they said that I had to pay extra for the large private because it was within the same “class/category”.  
Also,  did you know that the 24 hour count is used according to the hospital’s billing cycle?  So even if I had been admitted at 4pm on the 19th,  since MMC’s billing cycle starts at 9am,  I needed to find another room by 9am on the 20th or be charged extra.  Weird.

3. ER is convenient but will cost you extra.
When we rushed Andre to the hospital on the 19th,  he was suffering from dehydration.  His pedia recommended that he be admitted right away.  Rather than wait for a room to be found,  I requested that he be sent immediately to the emergency room so that he could be hooked up to an IV, and have his blood extracted and Xray taken.  Anyway, the ER costs were covered by our medical plan.  I’m glad I did because it took me some time to get a room for us (there’s a lot of sick children).

4. Make HR your BFF.
I don’t think that I would have been able to process our medical papers or get the kind of attention from the HMO that we got it if it hadn’t been for the help provided by HR.  We were able to get discharged even at the extremely odd hour of 945pm yesterday because all the paperwork had already been accomplished.

Being hospitalized is mentally and emotionally draining.  It is good to know your entitlements before *knock on wood* you, or a loved one,  needs to be confined.

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

Subscribe to my feed or subscribe via email to get notified of my next post.

Sub-prime Crisis for Dummies

Granted, Subprime for Dummies is a bit crude and definitely rude,  but this presentation sure hits the nail on the head.  =)

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

Subscribe to my feed or subscribe via email to get notified of my next post.

Mobile Passport Service coming to an LGU near you

Is your passport expiring this year?  Make sure that you apply for a new one at least 8 months before the expiry date.  The new machine-readable passport has had a lot of birth pains — from long lines at the DFA to printer breakdowns.  To accomodate the demand,  the DFA is coordinating with various Local Government Units to bring the DFA to the provinces and big urban communities.    Bookmark this link to the DFA page listing the monthly schedule and contact details of the LGU coordinators.

Note:  A personal appearance is a requirement for all applicants (excluding minors under 8 years old and senior citizens aged 65 and above).  The mobile passport fee is P750.

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

Subscribe to my feed or subscribe via email to get notified of my next post.