Sexy Money Genius - Latest Comments

Re: How to Keep Track of Credit Card Charges

sxyshandy — Thu, 01 Oct 2009 23:29:41 -0000

that's not exactly paying for interest twice. it's only the #1 you mentioned that's interest (usu. 3.5% interest every month based on the original amount) and then #2 is really just like you said, balance from the principal, so just because you didn't pay a measly remaining 350 from the original amount, they can charge you with interest already. yeah, so always pay in full, as much as you can.

Re: PERA Finally our Retirement Account for the Filipino

take_out_401k — Tue, 29 Sep 2009 07:43:35 -0000

This is the great blog, I'm reading them for a while, thanks for the new posts!

Re: Secured Credit Card

business_cash_advance — Tue, 29 Sep 2009 05:34:17 -0000

I have not much time, but I've got many useful things here, love it!

Re: Stock Market Education this September

Financial Spread Betting — Mon, 21 Sep 2009 16:43:17 -0000

There're plenty of free seminars and it's becoming increasingly difficult to choose the right ones. At least they're free.

Re: Entrepreneur going Job Hunting?

rozeme1 — Mon, 21 Sep 2009 04:46:53 -0000

Thanks for this eye opener post, you made me realize that there are still lots of things to do and things to achieve.

Re: How to Keep Track of Credit Card Charges

Pao — Sun, 20 Sep 2009 07:50:35 -0000

why is it that you have to pay the interest twice?
1. the P350 for the interest charge, and
2. the additional P350 for the balance from principal

pardon me, i just got my first credit card from bdo and i don't know exactly how to manage it..
i had a supplementary card before and.. i lost track on it and.. i don't like to commit my mistake twice just because i did'nt mind how to compute for what's gonna be my next bill.. i just keep using my credit card and paying the bank full every month, but that was before.
anyways.. thanks.. :)

Re: Girl’s Guide to Building a Million Dollar Business – Book Review

Big — Thu, 17 Sep 2009 12:44:25 -0000

Thanks for sharing. It is useful for me.

Re: Secured Credit Card

Diners Club — Wed, 16 Sep 2009 23:52:07 -0000

I recently got a new visa card. I am confident that all of my credit cards are secured.

Re: Contact

cm6598 — Wed, 16 Sep 2009 07:08:18 -0000

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Re: “Get a Financial Life: Personal Finance in Your Twenties and Thirties” Book Review

Tax Foreclosures — Wed, 16 Sep 2009 01:26:10 -0000

very interesting...Looks like a great read - being slap bang in the middle of the demographic for this book, I know I should be paying more attention to this, but never quite get around to it...

Re: Secured Credit Card

credit cards — Tue, 15 Sep 2009 07:21:42 -0000

Interesting post. This is a great help for everyone who uses credit cards. Now they know how secured a credit card is. Though there are plenty of fraudster out there, bank always make sure that cardholders info are secured.

Re: Secured Credit Card

Visa — Tue, 15 Sep 2009 03:23:52 -0000

You are being honest in your spending habits, Not all people have the guts to say that they cannot control their spending urge. I agree with you that people should not spend more than they actually earn to avoid the burden of paying-off debt with high interest rates.

I have a Visa credit card and been using it for buying necessities only. Well, I sometimes break my own rules and buy really expensive and nice dress and shoes but so far, I have been able to pay my bills on time and full. So all is well.

Also, I noticed that the most important factor you are looking for in a bank is quality customer service. I also want to entrust my money to the people who actually care about me and not just my money.

Wise spending everyone!

Re: Worst Pinoy Bank BDO Feedback

ken — Tue, 01 Sep 2009 10:41:56 -0000

Every time I try to do a cash transfer their card reader( they only have one!) is broke most of the time and I have to come back several times to transfer money.
This even cost me a couple thousand peso due to the change in rates!
The only saving grace is the fact that they have great people working for them, who are working with limited equipment at best.
I however, have to find a bank with a more serious eye to serving their customers.
Sorry BDO your history, you have had several chances to perform, and failed miserably.

Re: Secured Credit Card

jane — Wed, 26 Aug 2009 20:29:49 -0000

this colum was very helpful! Igot my BPI secured credit card 5 months ago...,by reading your column with lots of infos really helped!i plan to maintain a good credit so i can be eligible for a real unsecured credit card..thanks a lot..

Re: PERA Finally our Retirement Account for the Filipino

club penguin — Tue, 04 Aug 2009 02:51:31 -0000

I would like to get hold of the mechnics for investing in PERA. Could you kindly post a link, or outline the steps.

Re: Entrepreneur going Job Hunting?

jobopenings — Thu, 16 Jul 2009 02:41:47 -0000

I agree not everyone’s born to be a Donald Trump or Washington Sycip, but there is no harm in trying!

Re: Entrepreneur going Job Hunting?

Jason — Mon, 06 Jul 2009 21:10:20 -0000

It just happened that I came across this blog via google. I am in a startup too. While I wish you'd stick with it, I totally understand how you feel. I wish you the best in your future endeavors.

Re: EQ+IQ Sales Training Program by Colleen Stanley

Friend Adder Combo — Sat, 27 Jun 2009 20:23:20 -0000

I enjoy socializing with new people too. It gives me the thrills of having new experiences and learn more things from it.

Re: Is Money Important?

aila — Fri, 19 Jun 2009 00:39:30 -0000

sagutin ang tanong wag paliguy lguy!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Re: Secured Credit Card

sxyshandy — Fri, 12 Jun 2009 06:25:34 -0000

Ouch maybe HSBC changed their policy. Try asking sa branch. Or opening with Metrobank was pretty hassle-free too. I have a bunch of application forms with me, actually. :)

Re: Secured Credit Card

rexj — Fri, 12 Jun 2009 04:02:38 -0000

tumawag ako sa HSBC. 100k daw ang minimun... nalilito ako...

ano ba requirements nila? other than those listed above...

thanks

Re: You’re the 1, Goldilocks

sxyshandy — Thu, 11 Jun 2009 06:37:47 -0000

Yikes, really? Sometimes the bistek isn't so great, especially late night, but the laing's pretty consistent. And palabok too.

Re: You’re the 1, Goldilocks

ryanyam — Thu, 11 Jun 2009 06:22:41 -0000

I'll try your suggestion next time. I think the other menu items taste bad.

Re: Powermac Center - Lousy customer service

sxyshandy — Mon, 08 Jun 2009 20:44:56 -0000

Wow, sorry to hear it. Well they apologized and gave us a couple Altec Lansing speakers to compensate. I thought I posted an update about that.
Anyway, have you told them your problem(s)?

Re: Secured Credit Card

sxyshandy — Mon, 08 Jun 2009 08:34:11 -0000

So I closed my HSBC credit card a few weeks ago. Didn't do much. I got an unsecured RCBC Bankard, probably from my HSBC records. So I guess in that way, a secured CC helps you build credit but not really with the same card company. Even with my impeccable payment record at HSBC, I didn't get a credit limit increase or unsecured CC from them. I did get my annual fee waived though.
I'll probably open a new one with Metrobank this week just so my capital, is, well, secured. Let you know what happens.