Last night, I tried to call up Citi for my credit card since I already did a balance transfer on my new bank to save some bucks from the interest. I talked to a customer service and I asked where their customer service center location was. The one who answered said that they were located in India. I kept on asking him to repeat some of his words as I couldn’t understand some part of it (maybe he couldn’t understand my accent as well :D), until he transferred me to another department which was the fraud department to confirm if it’s really me. I knew the girl had a Filipino accent and I was happy to hear it. I asked her if I can speak with her in Tagalog or Bisayan dialect but she said that I needed to talk to her in English for quality assurance purposes. Well, okay. After she reset my security question, she transferred me back to that Indian customer service. So, I think Citi call centers were located in India and in the Philippines. Anyway, I asked that CS of why until now that it’s March the balance transfer that was being sent and processed by my new bank last end of February wasn’t reflected in my account when the other banks like Chase and Bank of America accepted my balance transfers for a long time. That Indian Customer Service replied to me, that it was not received by their company coz maybe it was lost by the mail. What the..?
So, maybe I need to do another balance transfer (?!). Oh well, I’ll do another balance transfer at the end of March (I think) if my balance transfer payment will still not reflect in my Citi account. Anyway, Citi card is a good credit company (positive review on their side).
Anyway, relying on credit cards for emergency purchases or for any other purchases is not really a good thing. I learned my lessons already. Building good credit history is okay. But I think, I really need to build my saving power, I mean, who need a good credit history when a person has lots of cash? Well, lessons learned. Enough is enough in using my credit cards. But I thank God for my experiences though!
Oh I love bitcoin but sadly I am not an investor of it. It is good news today for bitcoin investors as this cost more than the gold today. Wow! Anyway, I have known a friend who invested a lot with bitcoin and pretty sure she’s having great gain with her bitcoins. It’s such a blessing for everyone!
Photo from MSN: http://www.msn.com/en-us/money/markets/bitcoin-just-became-more-valuable-than-gold/ar-AAnKxuL?OCID=ansmsnnews11
You might have been toying with the idea of starting your own business for a long time. However, you are nervous about doing so because it would require leaving the security of your current job. This is normal for people who find themselves in the same position you are in. However, you need to take some risks in life if you are going to reap large rewards. Starting your own business can be an amazing experience that can enrich your life in a wide variety of ways. Here are some of the best reasons to start your own business.
1. Control your own destiny
This is one of the biggest reasons why many people decide to take the plunge and start their own business. They have become tired of someone else getting all of the praise and benefits from their hard work. You might feel the same way. You will be able to decide the direction you want to take your company if you are calling all the shots. This can be an exciting and refreshing change of pace from what you are used to. You will no longer need to have the path of your life determined by a complete stranger. There are many different types of businesses you could choose to start. Many people have experienced success by operating their own automotive franchises.
2. Make your own hours
Running your own business means that you will no longer have to work hours that someone else sets for you. You will now be able to dictate when you open for business and how long your day is. You can also take vacation whenever you feel like it. You will not be limited to a fixed amount of vacation time that your employer gives to you. This type of personal freedom will allow you to spend more time doing things that truly matter to you.
3. Be your own boss
Some people are lucky enough to have a boss who they enjoy working for. Unfortunately, there are many people who dread going to work every day because of the tyrant boss who awaits them at the office. Starting your own business will give you the chance to be your own boss. You will not have to take orders from anyone ever again. You will be the person giving the orders. You may wonder why you did not start a business years earlier.
I’ve been a member of shopkick – http://get.shopkick.com/oakland67062 for more than a year now. I already claimed my first reward last year and I gave it to my friend but she didn’t use it yet. Then, I deleted my app from my phone.
This year, I thought about it and try to use it whenever I can remember it every time I will shop. Besides, clicking the app is free and I can earn points. With the accumulated points, I can claim some e-cards and I can redeemed it whenever I want.
Last week, I tried to use it at one of the grocery stores here in my town. I just want to earn walk-in kick points (upon entering the store) and then I can also earn points when I will scan some items that shopkick put in their apps. When I entered the store, shopkick won’t let me do it. It stated that I should go to the entrance for the shopkick points as a proof that I am within the store. So, I went back at the store entrance and tried to open the app but it didn’t let me. Since I wasn’t able to have the WALK-IN KICK POINTS, therefore I cannot scan the products that they want me to scan. It didn’t matter though, I can try it next time.
Anyway, whenever I am not using this app, I will have to moderate on the access of this app in my phone for privacy. I’ll just have to open it whenever I am in the store that they are affiliated with for me to earn walk-in kick points and some scan kick points.
On the other hand, I’ve learned this app through my friend (thanks to her) and it’s fun for as long as the app will give me a walk-in kick points and I can use the app to scan some items for me to earn kick points. Freebies are always great to have!
Common problems mostly families facing now is the fact that both parents are working for the family’s needs. Technically, it occurs these days. And the only person who’s in charge of the kids when the parents work is the maid/yaya. Although some asks favor to their relatives, still, the fact that the parents need to leave their kids in order for them to work. With this, we end up leaving our responsibilities to other person. Aside from that, the closeness of the family will surely fade away. Btu nevertheless, this common situation only happens with the kids are grown up.
Of the two parents, mother is the one who should know best of the kids’ situations. Although the father has also obligations towards his kids, the fact that among the two, the mother is the one knowledgeable more about handling the family without affecting any of her works. But of course, since this generation is different from before, mothers from the past is different from mothers today. If before, mothers focus only to the family, now, mothers have things to do aside from the family (such as managing a business like forex: https://www.varengoldbankfx.com/en/forex/) especially if that person is also a breadwinner.
Good thing that despite of the differences of mothers from now and then, there are still ways on how mothers and even those dads who are acting as both parents of the family have the options to do. With the fast and convenient stuff created these days, people can really work without affecting any of their obligations in life.
Since we can’t avoid working for our family’s needs especially when it comes to kids, always consider the following that would somehow comfort the both parties:
- 1. When you decide to work, make a forum and try to tell your kids about your plan. In this way, they will know your sides and at the same time, you will know what they would feel then.
- 2. Never ever forget your obligations despite of the fact that you work for a living.
- 3. As much as possible, try to communicate with them even just for an hour. Giving them a part of your time to check and update them is already enough (as kids these days know how to understand more).
- 4. When you’re into a work, always make the kids feel that you are still there supporting them.
It may be hard at first, but as a parent especially a mom, working is not an excuse to let them feel that you need to work for their needs. You can still work even without letting it happen. All you just need is a good time management.
If you have bad credit and you need money, you have probably already considered getting a pay day loan. But where can you go to apply? You can get a pay day loan in USA at USACashServices.com. This company allows you to apply either online or in person, whichever works best for you. To qualify for a pay day loan, you only need to prove that you have a job and you will also need an active bank account. The bank account is necessary so that the money can be withdrawn from your account on your next pay day as promised. Do pay day loans come with interest? They do, just like any other loan might. But the advantage of getting the cash in hand when you need it most will outweigh the interest you’ll have to pay back. It is actually possible to get the money you requested no later than the next business day after you have been approved for the loan. Your credit generally does not matter when you apply for a pay day loan, but if you have ever filed for bankruptcy, you may need to provide the company with your bankruptcy closing date so they can verify that you are not currently in bankruptcy.
Having a debit card is important for storing money. Carrying cash can often be a liability, and the security features of a debit card keeps your money safe at all time. Kaiku offers a unique service that allows anyone to obtain and use a debit card, making it possible to have one without a bank account. The prepaid Visa card offers a simple method for transferring money. The prepaid card direct deposit system allows you the opportunity to put money into your account right away. The money can then be spent anywhere Visa is accepted. This includes many online stores that only accept credit or debit cards. Your money can also be taken out from one of many ATMs across the country. Kaiku’s website even has an ATM locator, so you can find the nearest location quickly. Kaiku also offers easy account monitoring with their Smartphone app. This allows you to keep track of your funds better and see your balance while you are on the go. Budgeting is crucial with a debit card, and by monitoring your card at all times, you can always ensure you have the correct amount of money available to you. A no-surprises approach makes Kaiku’s prepaid card a must-have for anyone without a debit card.