In My Mind

I have a friend who sometime in his life earn more than we could ever earn. He thought it has no end. They spends extravagantly on things not necessary. Whatever his children and wife wants they get it easily without much ado.And the thing is they just keep on renting a house. I could not imagine why they never buy their own house, and I never asked. He never saved money. He owned every credit card there ever was. He loaned and loaned if ever there was a chance. Until recently, he found out he could not cope with the payments and interest of some of his credit cards. Thus, he felt he was doomed, he had bad credit credit cards.

With more foreclosures everywhere, their family considered to buy a house, and this is the best time to own one. But when they checked, lenders won't approve them because of bad credit loans.

He was desperate, until he heard about bad credit loans. Suddenly he felt a new energy bursting from within. He can have the second chance he needed. It is so unique, it caters to different people with different needs and payments could be done at their own pace. This way, the borrower could slowly but steadily stand on their feet again and have the chance to redevelop their future.

Right now, this acquaintance of mine has changed. He now thinks of the future instead of today. Think of the others who will be given the second chance.

Posted by jaren at 10:01 AM 1 comments  

Labels: Money

A small touching story mainly for professionals. ..

A man came home from work late, tired and irritated, to find his 5-year old son waiting for him at the door.
SON: "Daddy, may I ask you a
question?"
DAD: "Yeah sure, what it is?" replied the man.
SON: "Daddy, how much do you make an hour?"
DAD: "That's none of your business. Why do you ask such a thing?" the man said angrily.
SON: "I just want to know.. Please tell me, how
Much do you make an hour?"
DAD: "If you must know, I make $20.00 an hour."
SON: "Oh," the little boy replied, with his head down.
SON: "Daddy, may I please borrow $10.00 ?"
The father was furious, "If the only reason you asked that is so you can borrow some money to buy a silly toy or some other nonsense, then you march
yourself straight to your room and go to bed.
Think about why you are being so selfish. I work hard everyday for such this childish behaviour."
The little boy quietly went to his room and shut the door.
The man sat down and started to get even angrier about the little boy's questions. How dare he ask such questions only to get some money?
After about an hour or so, the man had calmed down,and started to think:
Maybe there was something he really needed to buy with that $10.00 and he really didn't ask for money very often. The man went to the door of the little boy's room and opened the door.
"Are you asleep, son?" He asked.
"No daddy, I'm awake," replied the boy. "I've been thinking, maybe I was too hard on you earlier" said the man." It's been a long day and I took out my aggravation on you. Here's the $10.00 you asked for."
The little boy sat straight up, smiling. "Oh, thank you daddy!" He yelled.
Then, reaching under his pillow he pulled out some crumpled up bills. The man saw that the boy already had money, started to get angry again. The little boy slowly counted out his
money, and then looked up at his father. "Why do you want more money if you already have some?" the father grumbled. "Because I didn't have enough, but now I do," the little boy replied. "Daddy, I have $20.00 now. Can I buy an hour of your time? Please come home early tomorrow. I would like to have dinner with you." The father was crushed. He put his arms around his little son, and he begged for his forgiveness.

It's just a short reminder to all of you working So hard in life. We should not let time slip through our fingers without having spent some time With those who really matter to us, those close to Our hearts. Do remember to share that $20.00 worth of your Time with someone you love. If we die tomorrow, the company that we are working for could easily replace us in a matter of days. But the family & friends we leave behind will feel the loss for the rest of their lives. And come to think of it, we pour ourselves more into work than to have time for our family.

Posted by jaren at 10:57 PM 0 comments  

Labels: Family

Posted by jaren at 6:20 PM 0 comments  

Labels: Aswang, Capiz, filipino

Posted by jaren at 3:56 PM 1 comments  

Labels: dogs, Family

When I was younger and still in the Philippines. We all loved imported things, imported food, just almost anything as long as it is imported. And what I've noticed then which I could say up to the present, people think if you're working abroad, particularly here in the US of A, you've got tons of it. As if you're lying in a bed of money...

What they don't really know is, their love ones work themselves to death, to earn every single cent they could ever find, to send back home. They sacrificed a lot, they don't even splurge on clothes lest of all food. Double jobs and if they could only work 24/7 they will do just that. There's no time for recreation. Sleeping is even a luxury in itself that Pinoys working abroad could hardly afford for the buck that would be earn.

And here comes the love ones back home, spend all they can and act like it has no ending. I'm not saying everybody is doing it, but SOME of them. Be it the wife, husband, children, parents, siblings, etc. They spend it on almost anything, latest gadgets, cars, parties and gimmicks, dining in expensive resto and some on gambling. No savings, no investments, nothing. They became lazy. And ohhh so love to brag about their imported things.

That's the irony of it, the OFW won't buy things unless it's ON SALE. Would rather stay at home than be tempted on things and waste the hard earned bucks. And will only eat inexpensive, processed, artery clogging food in order to save.

Then, they wake up one day. All of it vanished in thin air. OFW comes home, older, no savings because they send every penny back home and was thinking the extra money was safe in the bank. Voila! They're back to their old life. Electricity was cut,food scarce, and heavy in debt.

Would you want that to happen to you?

Posted by jaren at 8:26 PM 3 comments  

Labels: Family, filipino, ofw

I took a written exam for class C driver's license last Monday at DMV in Escondido. I read the driver's handbook a bit but that was more than a week ago. I kind of taken it for granted. I was confident. I say, it's only chicken because back in the Philippines I can drive. And they say, when you can drive in the Philippines, you can drive anywhere in the world. Come examination day, I had a hard time. I underestimated the test. For once, they have tricky questions add to the fact that I haven't reviewed the handbook. The result?...What else but 14 errors out of 36 items. That is bad or what? The passing score is 6 errors or less for first time applicant.

I vowed to myself, I'll study the handbook harder. Otherwise, it'll get me nowhere and another payment if you failed the test the 3rd time. Much prepared now I retake the exam this morning. I PASSED! 3 errors only ! =)

Driving here in the USA is very different from the Philippines. I had the opportunity to drive for a short distance after receiving my temporary license. I feel like a novice driver. You just can't simply make a turn and cut if you want to. I had a hard time adjusting. And who say driving here is easy =) . Maybe in due time, I'll get adjusted and knows every turn in the neighborhood.

Every country has it's own driving rules and regulation. Always obey the rules, read handbooks and study.that is the caveat.

Posted by jaren at 5:53 PM 1 comments  

Labels: DMV, driving, written exam

This is how a child view her mom accdg. to age..=)


4 YEARS OF AGE My Mommy can do anything!
8 YEARS OF AGE My Mom knows a lot! A whole lot!
12 YEARS OF AGE My Mother doesn ' t really know quite everything.
14 YEARS OF AGE Naturally, Mother doesn ' t know that, either!
16 YEARS OF AGE Mother? She ' s hopelessly old-fashioned.
18 YEARS OF AGE That old woman? She ' s way out of date!
25 YEARS OF AGE Well, she might know a little bit about it.
35 YEARS OF AGE Before we decide, let ' s get Mom ' s opinion.
45 YEARS OF AGE Wonder what Mom would have thought about it?
65 YEARS OF AGE Wish I could talk it over with Mom. . .

Posted by jaren at 10:16 AM 1 comments  

Labels: Family, mother