hardasarock

one of these days in spa and facial clinic like Marie France is the use of Rf and ultrasound machine. The machine burns fat while you are lying down for about 30 to 45 minutes perr session. Recommended session is 10 sessions to see the result. The machine is very effective since there is a measurement done before and after the treatement.If you are on a tight budget, i recommend BeautyWork Facial Clinic which has that kind of machine in Makati.

wala ka bang maisampa na kaso sa mga ganun?

mayroon kaso estafa which is a criminal case kung may bouncing check. Kaso ang cost of litigation will k*ll you kung maliit lang ang pautang mo. If kung malaki naman, wala ka ring makukuha kung talagang walang pera ung borrower. Sayang lang pagod mo.

Razon's, in Iloilo if you're there. Otherwise, any Razon's outlet will do.

i've tried Razon's once pero di na ako umulit. Mas ok pa halo halo sa Aristocrat sa Roxas Blvd. Iceberg is also ok for me.

Here's how it usually works...if you supply high turnover items like food/meat for example your delivery would usually be twice or even several times more per week. The bad clients would usually start out to be good payers for the first few weeks and then gradually you'd see the terms growing longer and longer. The killer here is that you're still doing the same number of deliveries per week and not getting paid on time and before you know it your receivables have sky-rocketed.

 

Why not stop delivery you might ask? Well, that's easier said than done. Remember, you're dealing with these people in good faith and that's exactly why you're in business with them in the first place. So whenever there would be delays in payment you'd usually just shrug it off and accept whatever excuse they make. By the time you finally realize that these are indeed bad clients your receivables have ballooned to unacceptable levels. I'm not talking about months here, this could happen in just weeks or even days depending on the frequency and the value of every delivery.

 

I sometimes get to deal only with workers so I could understand why they could be so dishonorable in their dealings. They usually ask for kick-backs and the usual padulas before they release payment. Pero yung mga pang-asar talaga eh pag may-ari na ang kausap mo tapos iipitin ka pa rin sa bayad. It's even more annoying to know that they get paid in cash so you know they have the money!

 

Whoever came up with this mentality that if you don't hold payment for as long as possible you're not a good businessman is doing a great disservice to our economy. A buyer is also a supplier to somebody else, if everybody does this dirty tactic who wins in the end? An Australian friend of mine attempted to do business here supplying to hotels but eventually packed up and left because of the difficulty in collecting payments. If it's 30days we agreed upon it's 30days i should be able to collect from you he told me. Most hotels, even the 5 star ones, are bad clients but this is during the off-peak season for tourist, maybe it's different during peak.

 

Mind you most of these bad clients are doing good business so it's really out of bad faith and lack of breeding that they hold payment.

 

I pay my suppliers on time. I get really pissed when I'm late in my own payments because a bad client screwed me once again. It's a very unfortunate vicious cycle.

iwanan mo yung bad customers para walang sakit ng ulo. We hold our deliveries to our customers who are late in sending their PDc checks. You can concentrate to good customers

For me stock investing is a long term investment. You will never know or predict the direction of the market. They say buy low and sell high. In my experience, I do not know how low is the price to sell high. It is my opinion that it is better to buy stocks when there is blood in the street. meaning when nobody wants to buy stocks. Prices will be very cheap!

Let me ask a question that my non-mathematical mind cannot seem to compute:

 

I travel a lot regionally, singapore, malaysia, thailand, HK

 

does it make sense to buy US$, then convert it to the local currency, be it Sing $, HK $, Malaysian Ringgit or Thai Baht,

 

Or just use my ATM to pull out money from local ATMs there? or.. buy local currencies there, using Philippine Pesos?

 

HMMMMM????

I travel a lot also but only uses Philippine peso to buy local currency. It is cheaper because you only convert once and you can check the better rates.

I am doing my FX trading thru FXCM. I thought it is easy in the beginning but when you do the actual FX trading, it has a lot of thrills that can make your heart pounding. My advise is to invest money that you are willing to lose. Open a practice account first. Very difficult to predict the FX market. Read FX books to sharpen your knowledge. Better yet, invest in other ventures.

kaya mataas interest ng mga money lenders kasi daming default sa payments. Here in the Philippines, daming nangungutang pero di marunong magbayad. Nag try akong mag pa utang before pero mas marami pang suba kaysa collection. Kaya tigil na ako. Hirap din mag pa utang ng walang collateral dahil very risky. Kaya nga nangungutang yung borrower dahil walang pera. Yung iba utang lang utang hindi naman alam kung paano babayaran.