Bonus is here, calm down / The Christmas Budget

It is the season for christmas bonuses and other sudden windfall. In my previous experience, the mere sight of a big jump in my payroll bank balance makes my heart skip a beat. This year, let us resist the urge to go crazy-shopping. I calm myself down, grab a pen and a piece of paper and then prepare a budget. … More Bonus is here, calm down / The Christmas Budget

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Beware of Korean swindler operating in Cagayan de Oro City, Philippines

I note that Visayas and Mindanao areas in the Philippines seem to be inundated by unscrupulous Koreans who do illegal activities ( human trafficking and now, swindling). Koreans have been indicted and convicted of trafficking women from Cagayan and bringing them to Cebu to work as prostitutes. … More Beware of Korean swindler operating in Cagayan de Oro City, Philippines

Review of Budyong Beach Resort, Bantayan Island Philippines

Budyong Beach Resort is located in Sta. Fe, Bantayan Island, north of Cebu. To get there requires a four-hour bus ride and ferry ride to the island. Room accommodations are reasonably priced. We stayed in a family room that is just a few steps from the beach. The room was huge, with three beds. Bathroom was well-maintained. It was clean and the aircon was clean as well. … More Review of Budyong Beach Resort, Bantayan Island Philippines

Banks seriously considering negative interest rates on normal people’s savings

Apparently, European central banks are now imposing negative policy interest rates for inter bank dealings. The European economy is so stagnant that interest rates for banks depositing money into another bank will earn -2%. … More Banks seriously considering negative interest rates on normal people’s savings