Tag Archives: growing up

Signs of Growing Up: Shopping for the perfect bank for Personal Loans

Peter Pan doesn't like Growing Up. And so do I.
Peter Pan doesn’t like Growing Up. And so do I.

Now I see the advantage of never growing up. Wherever Neverland maybe, I am signing up. Because in Neverland, Peter doesn’t have to pay the bills, file for loans and worry about his credit standing.

I am currently shopping for the best bank to file a personal loan request. As you know, the hub and I are starting a business with some of our friends and we really need a shot in the arm, so the speak, in terms of funding the business. While I would rather infuse capital using my hard-earned savings–the thing is, most of my savings–are in non-movable locations, i.e. mutual funds, retirement and insurance. In need of immediate funding, the next logical step for me is approach the banks.

I decided not to do this mindlessly. I searched the net for the bank with the lowest interest rate and most efficient customer service. Always on top of my books is Bank of the Philippine Islands (BPI), where majority of my financial records and transactions are kept. BPI is where I maintain a credit card, two savings account and had just finished one personal loan. The bank’s online and phone banking service is effortless and commendable, making transactions and transfers easier than the usual.

BPI can help you... (Image property of BPI)
BPI can help you…
(Image property of BPI)

To shop for the best bank, I referred to this website: iMoney.ph. Based from iMoney, the best bank is either Maybank and BPI, which carries a 1.20-1.25%% interest per month and will require me to pay a manageable PHP5,000 per month as payment spread over 1 year and 6 months. In my case, BPI is always the best choice because it allows me to transfer my payments or schedule my payments through my payroll account. Payment is easy and painless because it is automatically deducted from my enrolled account.

Security Bank meanwhile has a manageable 1.40% monthly interest rate which is still attractive to me, compared to the other banks like EastWest, Standard Chartered and PS Bank that has the highest interest rates out of the other banks I checked.

It’s easy to file a loan application, get the money and brace yourself for the monthly payment — but I also think checking interest rates and features is also the responsible thing to do when managing finances. A loan is an obligation that requires prompt and consistent payment. It’s only fair that I am aware of the obligation that comes after handling the signed forms and documents.

Obviously, growing up is a pain. I am making it painless by being as informed as possible, Peter Pan.

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This Growing Up Thing

i don't wanna grow up!!!
i don’t wanna grow up!!!

I must have been a Lost Boy (or Girl) in my previous life, because this Growing Up Thing hasn’t been easy for me.

Don’t you sometimes wish that we can go back to the days when we were young and the only thing keeping our minds occupy is having enough time to play, eat, sleep (play, eat, sleep, etc…)? Back when we were kids, not having the toy we earnestly wanted was enough to cause us top-drama heart break. Our only responsibility back then was to produce decent-enough grades — go home with an A and you assure yourself of your parent’s love for the grading period. Things were simple and problems were always petty.

But then, life will eventually usher us to adulthood, the scary world where jobs, maintaining a good credit rating, starting a family, having kids, being a sane human being–and even keeping up with the Joneses hav become on top of our To Do List. We stopped being fun. Because sometimes, having too much fun is not really good for our “adult life.”

If you are single, you are hopelessly paired off to another hapless single soul. If you are married, you will pushed into procreating and be utterly branded a failure if you failed to beget a spawn within a year of marriage. We are supposed to stay married forever, get along well with the in-laws and be the star homemaker/provider.

We work ourselves to death: hoping for the pay raise; for the much-anticipated promotion and the corner office that comes with it; the perks of being a big shot like cars, the paper thin Mac Air, the fat bank account and the latest gadget starring in our very own wet dreams. Like Survivor Cast-Aways, we are pushed to scheme, manipulate and outwit colleagues unless we wanted to be buried alive in the dirty game of office politics.

Growing up and growing old is overrated. We are expected to act like adults, to be adults. Yet, sometimes we catch ourselves swimming helplessly against the Tide.

Times like this, I ask myself: is there a way back to Neverland?*

*Neverland home of Peter Pan and Cap’n Hook, and not the abandoned place where MJ used to live

The Soup that Warms Your Soul

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I love eating soup — there’s just something about a spoonful of warm, delicious goodness that is both filling and comforting at the same time. When I am sad or depressed about something, I choose to have lunch at this restaurant which serves nothing but soup: bacon and potato chowder, Mexican chili, a New England Clam chowder, mushroom soup…the choices are just endless. Paired with freshly-baked herb or wheat bread, creamy butter and a tall glass of water — I got hungry just thinking about it.

Somehow, a hot bowl of really good soup can work wonders for a bruised ego or a bleeding heart. Each spoonful fills and warms the tummy, while bringing a sense of comfort or calm even at the midst of the nastiest storm (literally or otherwise).

Last Saturday evening, I cooked a big pot of this (almost) Vegetarian Minestrone Soup to share with the whole family. Almost veg because it had butter and cheese on it. While I probably took twenty years just peeling and dicing stuff, having a spoonful of that yummy goodness is simply worth slaving away in the kitchen.

As I grew older, I noticed how I have become to regard cooking less of a chore and more of a calming, stress-free “Me” time where I am left alone with the iPhone (a repository of recipes) and my thoughts to do what I like. I tend to think more of things while I am peeling potatoes or worse, a very smelly onion. Maybe it’s the years finally catching up with you — you grow old and you say goodbye to the pseudo-emo posturings you used to adapt when you were twenty five.

It’s the end of my world as we know it :(

I’ve said before that i will only miss Incubus’ concert if its a) the end of the world; b) that I am as cold and lifeless as a corpse and c) if I am 9 months pregnant and about to deliver a child into the world.

Well, guess what — it’s the end of the world. My world, to be exact.

The concert is tomorrow evening, Brandon and the boys have arrived earlier at 830PM while I have spent the greater part of this day being a corporate drone. Tomorrow, while the rest of Manila is lining up at Araneta Coliseum, giddy with glee and happiness–I will be presenting to the bosses some of my plans for the Corp Comm side of the company.

Am I complaining? No–everyone has to earn a living. But am I disappointed–VERY MUCH. I have seen all of the Incubus performance in Manila and I make sure to watch all their concerts live–but no thanks to my lousy schedule, I seriously, seriously cant this time.

A part of me feels that a version of me just died and replaced with someone more of a corporate drone. If this is what it means to grow up, then zap me back into 2004 and I’d gladly take my moshpit any time.

A part of me wishes to believe that this is what it means to grow up, to have a job, a family, insurance and health care plan. I tell myself that “Brandon will understand” but I myself find it hard to process that I will not be among the thousands of people who will get to experience my favorite band live once again.

The sad truth is that my only wish right now is to go back to the time when I was 21 years old: dirty, trippy, yet truly, truly happy 🙂