Jologs Na Yuppie

Showing posts with label bank. Show all posts

I'm Back at Work!

Author: admin // Category: Activities, bank, sentiment

7-day vacation leave..eto ang naifile ko sa office para lang makapagpahinga at magbakasyon sa Zambales ng tatlong araw at pumunta sa Puerto Galera ng Weekends. Abangan nyo pala ang buong detalye ng aking kwento at karanasan sa Puerto Galera. Ngayon eto ako balik sa bangko na pinaglilingkuran ko. Tambak ang trabaho lahat napending nang ako ay magbakasyon. Bagamat nakakapagod..pero ganito ang buhay, kelangan kumita at kumayod dahil kung hindi..kawawa ako at gugutumin ang pamilya ko.
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Pagpasok pa lang sa office lahat na bumati ng “Welcome Back”. One-on-one meeting agad sa boss ko tungkol sa mga nangyari sa mga nagdaang araw. Pagkatapos balik sa desk para simulan ang tambak na trabaho. Eto ang buhay ng isang bangkero. Maraming pinaglilingkuran, maraming sineserbisyuhan. Maraming pera sa bangko pero sa kumpanya un at hindi sa akin. Lingid sa kaalaman ng lahat, kapag nasa bangko ka raw malaki ang sweldo. Well magtanung tanong na lang kayo sa mga kakilala nyo. Minsan talaga maiisip mo…”pede bang umupo na lang at magtutulog sa bahay pero kumikita ka pa rin ng pera?”. Ngunit alam nating lahat na imposible yun.
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Isang araw na lang at long weekend vacation na ulit. Muli akong magpapakasaya sapagkat eto ang araw ng aking 4th summer escapades. Pupuntahan naming ang Isla ng Anawangin sa Zambales ulit. Malapit lang ang bahay bakasyunan naming duon pero hindi ko pa sya napupuntahan kahit kelan. Kaya ngayon eto ako sabik na magenjoy.

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I'm A Banker!

Author: admin // Category: bank, finance, life story, personal, profession

Yes…Im proud to say that I am a Banker. I’ve been in the industry for almost 8 years. I graduated with a course of BSBA major in marketing, huh!…but maybe because it was my destiny to become a banker. As an executive of a bank, I was exposed to different experiences and areas in banking system. I started my career as a credit card authorizer in an affiliated credit card company of a Bank owned by Ayala Group. Thru learning, I was able to identify the operational features of the said bank product. After 2 years, I decided to look for a greener pasture and transferred to another local bank now merged and owned by the Aboitiz Group. I worked there as a remittance processor. Thru experience also, I have identified the cash flows of the money being sent by the Filipino OFW’s to their families here in the Philippines.
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Now as an operation officer in a foreign bank (a branch of the 2nd largest Japanese Bank), this career move gave me a lot of opportunities to widen my knowledge of the banking system as I was exposed in handling and processing loans, foreign exchange and money market transactions.
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As I go beyond, continues learning comes thru hardship and dedication. I’m still in the process of learning a lot of things about the banking system. Maybe one of this days, I will decide to broaden my knowledge and pursue another areas I want to explore. Because learning will start from ourselves and thru learning, we will be able to achieve our goals in life.

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Attention: Credit Card Users

Author: admin // Category: ARTICLES, bank, credit card, finance, Lifestyle

Ilang oras bago ang alis naming papuntang Puerto Galera ay naisipan kong magkwenta ng mga nagastos ko, ng mga resibo at napansin ko marami na naman akong “for billing” sa mga credit card ko. Naisipan ko tuloy gawan ng entry ulit ang tungkol sa credit card. Ang unang trabaho ko ay sa isang Credit Card company kaya’t kahit papaano ay mga natatago akong kaalaman tungkol sa sirkulasyon ng credit card business.
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Gumagamit ka ba ng Credit Card? Problema na nga ba ngayon ang credit card? Masyado na ba talaga magpatubo ang mga Credit Card Company?
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Ayon sa aking pananaliksik, dahil sa nangyayaring krisis sa buong mundo ngayon, lumaki ang numero ng mga Pilipino o kahit ng mga tao sa buong mundo na gumagamit ng credit card ngayon. Dahil walang cash…may credit card naman eh..
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Kung ating iisipin malaki ang naitutulong sa atin ng credit card. Ang credit card parang Boyscout..laging handa!!! Kapag wala kang cash..iswipe mo lang mabibili mo na ang lahat ng gusto mo. Ngunit ating pakatandaan pagkatapos gumastos may pambayad ba tayo pag dating ng billing statement natin?
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Sabi ng iba, sindikato daw ang credit card, kasi sa sobrang laki daw ng membership fee na sinisingil syo eh lugi ka na. Minsan pa grabe maningil ang mga ahente. Hindi mo pa due date nandito na at iniistorbo ka na sa paniningil.

Kung tutuusin, wala naman nakukulong sa utang. Kapag di ka nagbayad ng utang mo sa credit card ay hindi ka naman makukulong. Yung nga lang ay magugulo ang buhay mo dahil sa kaliwa’t kanan na mananakot at manghaharass sa iyo na magbayad ka ng utang mo. Hindi na rin magiging maganda ang credit card standing mo. Kapag dumating ang araw na mangailangan ka ng pera, wala ka nang mauutangan ng malaking halaga kasi pangit na ang naging credit history mo. Bilang isang yuppie na lunod sa paggamit sa credit card, narito ang ilan sa mga payo tungkol sa paggamit ng credit card.

1. Wag lubus lubusin o magmax-out ang credit limit ng card nyo. Yan ang hirap sa ating mga Filipino nangungutang tyo pero hindi tayo marunong magbayad. Ubos ubos ang biyaya kapag bayaran na ay nakatunganga. Siya pa ang magagalit, sya na nga ang umutang, sya na nga ang tinulungan.

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2. Huwag kang magmimintis ng pagbabayad, Kahit minimum payment bayaran mo upang hindi pumangit ang credit card history mo. Kapag namintis ka sa pagbabayad, doble charge ka pa..lalo ka lang mababaon sa utang.

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3. Hangat maari kung may pambayad naman, huwag magminimum payment. Kasi may karagdagan charge yun. Kung magkano ang inutang mo..bayaran mo ng buo para wala kang extra charge.. Give and take relationship rin yan.

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4. Hindi porket may credit card ka eh mayaman ka na. Tandaan mo nangungutang ka lang at aminin mo man sa hindi nagtitipid ka lang kaya ayaw mong magbitiw ng cash. Kaya tandaan, maging responsable sa paggamit ng card. Maging mapagkumbaba kapag nasa store at gumagamit nito. Marami kasi akong nakikitang feeling mayaman..halagang P300 pesos credit card pa gagamitin tapos magagalit kapag nadecline. Bakit hindi na lang aminin na namaxout na ung credit card nila sa kagagastos nila.

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5. Iwasan din ipaalam sa ibang tao ang mga cash advance pin ng mga credit card nyo, o kaya mga personal na impormasyon tungkol sa inyo. May mga sindikatong pilit na kinukuha ang mga personal na impormasyon nyo. Hindi nyo namamalayan nagagamit na pala ang credit card ninyo ng hindi nyo namamalayan. Pagbulaga ng billing statement nyo..ayan ang daming gamit.

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6. Huwag magipon ng credit card. Marami akong kilala na isang dosena ang credit card. Aanhin mo yan, ipagyayabang mo sa buong mundo na mayaman ka at marami kang credit card…baka ipinagyayabang mo sa buong mundo na utangero/utangera ka..Sapat na siguro ang isa o kaya hanging 3 credit cards para syo.

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7. Higit sa lahat, magtipid. Sa hirap ng buhay ngayon, matutunan natin mamuhay ng simple. Dati dati wala naman tyong credit card. Kapag walang pangastos magtiis ka. Wag natin laging gawing option ang credit card na gumastos bagkus gawin natin itong reserba sa mga panahon kailangan na natin ito.

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Summer Outing at Lagos Del Sol (Part 2)

Author: admin // Category: Activities, bank, summer escapades, vacation

It was a happy and tiring Company's Summer Outing at Lagos del Sol, Cavinti Laguna. Kelangan maagang gumising para hindi maiwan..actually late na nga ako sa call-time. Past 11:00AM na kami nakarating sa resort due to traffic and kasi..naligaw kami! 11:44AM, we arrived at the resort. Sobrang init and medyo gutom na kami..but still we need to run a program..and nagkaroon kami ng mga fun games. Past 12:oonn we had our lunch time. Infairness masarap naman ang mga food that the resort prepared eventhough mga typical lang na pagkain na usual na hinahanda sa house during lunch time. 1:00pm onwards is our free time and our moment to take rest and feel the ambiance of the resort. Malas lang at umulan ng malakas ng mga 3:00pm. Di na namin napansin ang ulan kasi masarap ang halu-halo and lugaw na handa during our snack time. The big event is during dinner time. We were in the pool side that night and after the dinner, an exiting program started in which every group presented their cheer and dance number. Suppose to be umaga un before the game pero kasi ung ibang group eh di pa prepared. Part of the program also is our version of Wowowie's Hephep!!! Hurray!!! Well most of my officemates dont know how to play the game. Kaya lahat ng participants mejo pressured. And the rest of the evening, videoke time and inuman session. Lahat lasing..lahat masaya.. But we are so thankful that inspite of the recession and sobrang pagtitipid..we still made it to come up with a summer outing. Kudos to the recreation committee who gave their effort and time for making this company activity possible. Now i'll give you a preview of the resort and it's landscape.

"At the reception area"

"The Swimming Pool Area"

"The Lake Caliraya View"

" Kayak Sport Activity at Lake Caliraya"

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Credit Card Debts

Author: admin // Category: ARTICLES, bank, credit card, finance, Lifestyle

The world is in the brink of a global economic crisis. This is the same reason why yuppies as well as people here in the Philippines are rushing and there to find a place where they can get credit card application. Two choices is what you have if you are interested to apply for a local credit card here in the Philippines and will name both below but since I do not have any resource yet on where you can contact them, might as well search online.

The first place and best choice if you are looking for credit card in the Philippines and anywhere in the world you may be are banks. Here in the Philippines, the different banks and credit card companies are Metrobank, Citibank, Eastwestbank, BDO, BPI, Standard Chartered, HSBC and Bankard. So far, these are the major players in the credit industry. With these banks, all you have to do is to fill up an application form and submit it for approval. Of course you also have to pass certain criteria wherein the basis is weighed more from your salary bracket.
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The second choice for you if you are looking not to spend time or do not have one for your credit card application are the different credit card agencies. All you have to do is to provide information about yourself from basic salary to the type of job and for how long you have been working in your company and other relevant information. From there, the credit card agencies will be the one to handle everything from processing to the fill up of form to the submission of y

our application.

With a credit card agency, the process may all take by phone or using a fax machine. There is also a bigger chance that you will have your credit card application approved if you go for this method because sometimes, if your salary bracket cannot get in the basic limit of credit card companies, they will be the one to handle the adjustments in order to have your application approved easier.

Both way of applying for a credit card however may also be done online. The lesson here is when you already grab the credit card, be wise in spending it and at the same time manage all your expenses. It might be a nightmare for you if one day, youll gonna wake up in the morning with no money to pay all your bills and banks are hunting you to pay all your outstanding debt.

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