IS PERSONAL LOANS A GOOD DEBT OR A BAD DEBT?

 

When I was in my first year with my employer, I was convinced by my colleague on taking a personal loan who is also taking a loan at that time. She told me about the advantages of taking a loan. She said that she has plans for the money and since the money depreciates over time due to inflation rate it is better to take a loan and use it to finance a business venture or invest it in things that will appreciate its value overtime.

THE LITTLE BY LITTLE DISCIPLINE OF SAVING

 

 





When I started to work as an OFW, I already made an inventory of my salary. I planned on putting aside some percentage for my family, for my expenses and for my savings.

That is how I lived my life. Most of my income went in supporting my parents and the rest I saved it to finance my goals.

During the first few months, I didn’t have much to save because I am still paying for some debt I made before I come in the UAE. But later on, I had enough to save.

CONDOMINIUM: A GOOD OR BAD INVESTMENT?

 

In 2010, my brother has invited us to attend an event related to real estate investment for condominiums. I was hesitant to come as I am not really convinced on condominium investment, for me, I’d rather go for conventional real estate such as house and lot or lot only. But I went with them anyway.

 

The presentation was in a nice hotel and food and beverage is being provided. I enjoyed the presentation made by DMCI Homes International and almost convince that I should invest on it.

 

During the question and answer portion, one guest commented that it was a good location, near schools, hospitals and the LRT station. She said that her daughter is renting an apartment at a certain price with her two friends and cost her Php10,000.00.

 

FIVE THINGS TO EXPLORE IN KUALA LUMPUR, MALAYSIA

               

It’s another exciting trip again we had in Malaysia.

 

As usual, we booked our hotel using booking.com. We booked our stay in Hotel Transit, 45 minutes away from Kuala Lumpur International Airport. It was a nice hotel and it is close to KLCC, Chinatown, Bukit Bintang, LRT stations and Pudu Sentral UTC (KL’s main bus station). I recommend this hotel based on my personal experience.

EXPERIENCING MORONG, BATAAN WITH WHOLE FAMILY

 

This trip was unplanned. When I say unplanned, we just talked about it over but didn’t pay much attention about it and what exact place we will go.

 

We don’t know how to get there, but there was an App that my sister is using called “WAZE” which was quite accurate and very helpful. She uses it most of the time when she travels in uncertain places. This is the first time that she will drive for longer time and in an unknown road.  And praise God for His guidance and help of this App we were able to come to the place we were looking for.

CHRISTMAS TIME: IT’S THE MOST WONDERFUL TIME OF THE YEAR

     

          

When “ber” month comes in the year, you could smell that Christmas is around the corner. The months pass by so fast that you could barely have enough time to buy Christmas presents. Christmas rush is everywhere and the “Sale” word posted in every shops/malls.

When I was young, I am excited for Christmas because I would have a new clothes, I will receive “aguinaldos” from my “ninongs” and “ninangs”, get a lot of gifts from my family and relatives, I could eat Queso de Bola and some special delicacies prepared only during this season, it is school break, people are nice to me…. haaaa, there seems to be an endless reason why I love Christmas season.

MY CHICKEN TERIYAKI RECIPE

Here in UAE, chicken is the most available and affordable meat you could find in every supermarket or grocery stores. Most of the time, you will always find it on sale items. You will also notice that in every occasion you will find chicken dishes cooked in different way. That maybe is the reason why I have chicken skin (just kidding).

The recipe below is my own version of chicken teriyaki. I once cooked it while following a cooking show, but some of the ingredients were not available so I just substitute it for some ingredients that are available and affordable. I hope that you would like it.