8 Ways to Keep Safe When Out Shopping

Shoppers this one is for you, here are tips to avoid losing money or important possessions when shopping in malls and other public places. 

1. Bring only the exact amount of money you need.
2. Bring only a limited number of credit cards.
3. Keep your bag close to you at all times. When dining, avoid placing your bag on the chair beside you. Place it on your lap instead.
4. Avoid keeping all your money in your bag. Put some of your money in your pockets.
5. Move away from dark places and avoid using isolated comfort rooms.
6. When inside an elevator, make sure that suspicious looking strangers don;t try to sandwich you.
7. Position yourself sideways on the escalator so you can see the person in front and behind you.
8. When you suspect that someone is stalking you, immediately report it to a security officer.

Should You Keep From Your Love One?

I saw a clippings at the library about relationships, and read an interesting topic, its a complicated one if you ask me, its about keeping secret from your partner. Its true when a man and woman marry, the two become one. So does that mean you cant keep secrets from your spouse anymore? Experts will say that even in marriage, people need boundaries and a certain amount of privacy. A wife doesn't automatically have the right to go through her husband's wallet or a husband to read his wife's emails unless permission has been granted. "The key is moderation," says therapist Terrence Real, the author of How Can I Get Through to You?(Scibner, 2002). "If a boundary is too firm, a couple can become detached and disengaged. If you set no boundaries at all, a couple becomes too enmeshed, which is unhealthy."

Be aware that privacy in marriage all comes down to an issue of trust. Since your relationship with your spouse is unique from any other couple's, only both of you can tell when it's a betrayal of trust to keep something secret or, inversely, to intrude another's privacy.

As a guideline, ask yourself the following questions when deciding when it's OK to keep a secret:

• Is this a harmless issue that i can keep to myself?
• Can I honestly justify why I'm withholding it from my partner?
• If my mate finds out about this, will it be a source of conflict?
• If my partner could see what I'm doing, would he or she be hurt or alarmed?

After you answer the questions and you're still in doubt( I know i was at first hahaha), chose openness. It's always better to come out clean than to withhold something to your partner. As one expert points out, the more that spouses need to keep private from each other, the more prone to instability the marriage will be.

The Right Way to Complain for Consumers

There's a right way to do it - no hissy fits needed.

1. Identify the problem. give all of the pertinent details(i.e dates, name of the person you're complaining about, branch location). Say your suggested solution and expected remedy as well. Do you want a refund, a repair, or a replacement.
2. Gather documents. Keep the official receipts, warranty certificates, contracts, repair orders, proofs of purchase, and canceled checks to back up your complaint. Photos can also help you state your case.
3. Go back to where you made the purchase or availed the service. Talk to the personnel involved and his supervisor or manager calmly. The problem is usually solved after a peaceful discussion.
4. Write a formal letter. If you're still not satisfied, fill up the consumer complaint form online at dtincr.ph/complaint.php, and then get ready for a mediation conference. A mediator from the consumer protection agency concerned, such as Food and Drug Administration (FDA), Land Transportation Franchising and Regulatory Board (LTFRB), or Department of Health (DOH) and the National Telecommunications Commission (NTC), will help the company and the consumer arrive at a solution.
   

Save Money by Using Passive Barriers in your Personal Finance

A passive barrier is something that makes the normal activity more difficult. You can use passive barriers in your personal finance to prevent yourself from spending money.

• Not having your credit cards in your wallet. If you are prone to impulse buying through your credit card, take those cards out of your wallet and leave them at home. When you find yourself at the mall, it becomes easier to walk away from the impulse. You could also delete your card from any online service you use.

• Not passing by the mall. If you don't see the latest in thing or the sale, then you won't know what you're missing. And you won't be tempted to spend.

• Not buying piecemeal. You save money by buying your groceries every salary period instead of at the corner grocery store every time you need to buy something. Bulk items are cheaper and you avoid the temptation of buying whatever takes your fancy when you visit the store.
  

Practical Money Saving Tips

Living in a tight budget is not the easiest thing to do, but it can be done. If you find that you overspend every month, here's a list of practical saving tips you can apply to help keep you expenses down.

• Pay cash whenever possible. This will help you from making a purchase unless you have actually have money available. If you decide to make a credit card purchase, be prepared to pay the balance off monthly.

• Bring your own baon. Eating out whether at a restaurant or at the office cafeteria, cost a lot more then bringing your own lunch.

• Cut down unnecessary texts and cellphone calls. Schedule calls that are not time sensitive on Sundays and off peak hours. If you can postpone your call until you get to a land line, then wait.

• Get a piggy bank and pour your change into it on a daily basis. What's important to remember is that saving a peso here and there eventually adds up. Avoid the temptation to splurge a little more just because you don't think it would save that much money. If you can shave off P300 a month from your regular expenses, that amounts to 3,600 a year.

Paradise Island Resort 2010

Hmmm its been years since i went here in Paradise, the last one was when my wife had her birthday celebrated here. A lot of things had improve since then, aside from their nice cottages the place is well managed. Here are some of the photos of the place.

Cool Rides

Rides cost are

Paddle Board 70 pesos / 30 minutes
Kayak(single) 70 pesos / 30 minutes
Kayak(double) 110 pesos / 30 minutes
Aquabike(single) 80 pesos / 30 minutes
Pedal Boat 110 pesos / 30 minutes





Hey how about playing the Bohemian Rhapsody





whoaa billiard, my favorite sports when i was on college.

Nice Cottages

more info about the place:

Entrance fee:

Day tour - P100
Overnight -P250


Room Rates:

Premier room - P3,000 - with tv, aircon, hot & cold bath

Deluxe room - P2,700 - with tv, aircon, toilet & bath

Standard room -P2,100 - with ceiling fan, toilet & bath

Family room - P600/pax - 4 rooms, aircon, toilet and bath
capacity - 20 minimum, 4o maximum

Check in time-4:00 pm
Check out time - 12:00pm

Rates are inclusive of tax and service charge
All major credit cards are accepted

Amenities and Modern Conveniences:

Kainan (Restaurant) - serving a wide variety of delectable seafoods

Marine and inland activities - pin-pong, billiard, volleyball, mini zoo, futbolin, aviary, kayak, aquacycle, jet-ski, fish feeding, samal inlandd tour, diving.

For inquiries:

tel # - 300-2343 / 233-0251 / 0920-9546-780
e-mail - paraqdiseislanddavao@gmail.com
website: www.paradiseislanddavao.com