Archive for the 'Money and Money-making' Category Page 2 of 2



Something in Return

As a local computer mechanic, I receive handful of calls from friends (and their friends) to fix their erratic machines. Since we are “chummies”, I refuse to bill them when they ask me how much I charge. Is it shyness on my part? Partly. My philosophy is, someday, I’ll get something in return anyway. Give and you shall receive. Something big is waiting for me.

And then it becomes a habit. This time, I service computers without charging people who I met just once. Not good, I think. Most of these people are professionals and businessmen, and it makes them uncomfortable when someone refuses their offer, may it be in donation or in kind. They even have to force the payment to my hands. What an awkward situation. I had to accept. And the moment that happened, the long wait was over.

If you are in the same boat, I have an advice for you: don’t let the day pass by. You have to understand that this is your chance or you’ll keep waiting forever. Politely take it, like it is an honor servicing them. Because “that someday” you’ve been waiting for has finally arrived. And “that something in return” that awaits you, is already right in front of you.

Own it, like I do now. There’s nothing wrong with accepting something you rightfully deserve.

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On Credit History and Credit Cards

Credit CardsFour years ago, I couldn’t get a cellphone because the company said they needed a credit card which I didn’t have that time. I also remember when I tried to apply for an Old Navy/Gap Card twice: once online and once in store. Both denied. Reason: Not enough credit history. They said I had to have good credit standing to be approved. I presented my checking account/debit card but was told it was not enough.

So I did what I needed to do: I applied for a credit card. I thought it was that easy. But I also was denied. How can I have a good credit history if I don’t have a card? Does everything revolve around this tiny piece of plastic card with your name on it?

Unfortunately, that’s how life goes here in the US. If you want a better life, you have to have a good credit. You have to prove you can pay.

So how do you start if you can’t even get approved a credit card?

For those experiencing the same dilemma, I have good news for you. Since I always got denied of a real credit card, I made a little research and found out I can apply for a “secured card”….

Continue reading ‘On Credit History and Credit Cards’

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