I received another Paypal Phishing email. This time, I have been informed that I need to update my records. I’ve received this kind of email from scammers before and I have blogged about it in the post entitled “Online fraud.” Click on the link if you want to more about what Phishing is. For those of you who have not seen what this Paypal Phishing email looks like, I am posting it here hoping that you might not be stupid enough to fall for this scam. Take note that Paypal, ebay and online banks never ask for personal information such as Credit and debit card numbers, Bank account numbers, Driver's License numbers, Email addresses, Passwords or Your full name. So never send any of that personal information to anybody online. With this information in hand, I hope you never fall for a Paypal Phishing email scam or an phishing scam. If you do fall for this scam get a Mechanix gloves and box the scammer in the face ! hehehehee … [Read more...]
Idiot’s guide to the subprime mortgage crises
They say that when Uncle Sam sneezes, the rest of the world gets a cold. Now, Uncle Sam certainly isn’t sneezing, Uncle Sam’s got a flu and the rest of the world got pneumonia. The economic woes of the United States are far from over brought about by rising fuel costs and mainly the subprime mortgage crises. Most people in other countries do not understand what this subprime mortgage crisis is all about. The reason for such is that mortgage is not a very popular thing in other countries, and if it is, they probably still do not have the sophisticated mortgage system that the United States is implementing. If they don’t understand what mortgage even is, how in the world could they understand what subprime mortgage is much more the subprime mortgage crises. For instance, in our country the Philippines, although we have “mortgages,” we still do not have a very complex mortgage industry like the United States has. Mortgage may be well advertised here in the Philippines, but not as … [Read more...]
How the Rule of 72 is used to wisely manage debt
The Rule of 72 is a basic rule that each and every investor should know. The rule is commonly used to determine how many years will it take for your money to double. The equation is simply this, 72 divided the interest rate equals the number of years it takes for your money to double. For more information on this you can read my blog post entitled “An audio visual presentation of the Rule of 72” and “The Magic of the Rule of 72” For a more practical application of the Rule of 72, read the blog post entitled “Want to get wealthy ? Think like the bank” But the usage of the Rule of 72 is not only limited to investments. The Rule of 72 can also be used when it comes to managing debt wisely. The Rule of 72 could be written as follows: 72 / interest rate = number of years for your debt to double By using this equation, you can take any debt you have with your credit card company or your mortgage lenders and determine how many years will it take for your debt to double. As an … [Read more...]
Is drinking red wine really good for your health?
Before, they use to say “An apple a day keeps the doctors away.” Now it’s “A glass of wine keeps the doctors away.” Medical journals, the media and even some wine companies have been carrying this “good news” to wine lovers. The news is true. In fact for the last 5000 years, wine has been used medically to treat people. It has been used as an antiseptic, as a tranquilizer or sedative, and as a hypnotic. But before you start popping the cork and stocking your wine rack with the finest wine that money can buy, consider the following first: 1.) Take note, that what has been studied to be medically beneficial is not just any wine. Specifically, it is drinking red wine that is really good for your health. - The reason for such is that red wine red wine is made using the skin and seeds of the grapes. Among all the other wines, Red wine contains the highest concentration of anti-oxidants which helps fight off cancer. It also contains “Resveratrol” which keeps your arteries clear … [Read more...]
Giving more of the law to those who have less in life
I had just been nominated to become a member of the Young Lawyer’s Association of Cebu (YLAC). As a nominee, I had been given an assignment to write an article about last week's YLAC legal aid activity which is to be included in the organization’s publication called the “Consiglier.” I love being nominated for YLAC because even if I don't get to be a member a get a funny tshirts. Here is my contribution to the publication which will come out by the end of June. The great President Ramon Magsaysay once wisely said “He who has less in life should have more in law.” I do not know if this has been achieved in our current judicial system. With high filing fees, slow movement of the judicial processes and a system that seems to work only for those who have more in life, I doubt that this gives justice to the often quoted saying of President Magsaysay.Despite the frustrations that one can encounter in practicing law, a group of young and energetic lawyers decided that president … [Read more...]
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