People are around the world are now suffering due to economic recession. Many house owners are problematic and do not know where to find money to pay for their mortgage. Some people are fired and no savings to sustain them while looking for a new job or other source of income. Debts are filing day by day and most people do not if they could their debts in the future. Many people need debt counseling because of this problem that if you are aware on what to do, you might have avoided it.

According to the news that I read, people who want to file bankruptcy need to under go debt counseling before filing this last option. There are many institutions today that will give you free debts counseling like how to pay your debts and how to avoid having debts.

In my own experience debts can be avoided if you are doing your homework. For example you have to ask yourself why you want to loan money. Is it for pleasure or you need it for to earn more income? Now the first thing to do is to learn about finances, business, how to save money, investment and other related topics like how to have a debts consolidation before you opt for loan. Debts counseling can help you pay your debts if you are in the dead end of paying it.

Here are my advices or debts counseling for anyone who wants to avail for a loan:

1.0 Do not borrow money if you do not need to.

2.0 If you want to avail of Home Mortgage, You better evaluate your financial status first like for example, could you afford to pay it just in case you lost your job?

3.0 Home Mortgage is good but chose a scheme where you can afford to pay it like maybe you could expand your years of payment like from 10 years, make it 30 years to pay.

4.0 Find other source of income aside from your job to have a back-up just in case you lost your job.

5.0 Regarding credit card, I would suggest you not to use it very often because credit card has the highest interest rate than other loans or form of debts.

6.0 Save money as much as possible and invest it.

7.0 If you have many debts then you need debt counseling so that you can pay it. Maybe they would suggest you about debt consolidation to lower your monthly payment.

8.0 My last advice really is to avoid debts if you will not earn money having it. What I meant is that when you loan, that money should generate money so that it will help you pay the loan that you have. Your loan should be used for business or investment.

Good luck to you and I hope you can pay your loan. If you have a very critical problem look for debt counseling agency to help you solve your problem.

Listing and Result of Nursing Board Examination June 2009

The Nursing Board Examination of June 2009 is now released with 32,000 passers, a 40% mark of passer from 77,901 examinees. For now you can see who are the top placers in Nursing Board examination of June 2009 and see if your relatives or friends are among the best examinees in this batch. Here are the top placers according to ABS-CBN News.

Golda Manto Yap of Felipe Verallo Memorial Foundation got the highest score at 86.8%.

She was followed by Ronie Rose Capati Arevalo of Adamson University at 86.4%.

Michelle Alejandro Barberan of Arellano University Manila was third at 86.2%.

Tied at fourth were Caroline May Rellosa Chamen of Philippine College of Health and Sciences, and Clarissa Leonor Tible Escober of Naga College Foundation at 86%.

Three students of UST--Marco Magtulis Dometita, Margaret Cheung Encarnacion, and Marc Bago-Od Marzan--were tied at fifth with Lalaine Lim Perlas of Our Lady of Fatima University Valenzuela. They all got 85.8%.

The Professional Regulation Commission on Saturday released the results of the exams that were held in Manila, Baguio, Cagayan de Oro, Cebu, Davao, Iloilo, Legazpi, Lucena, Tacloban, Tuguegarao, Sulu, Pagadian, and Zamboanga.
The top schools with 100 and more examinees were:

1) St. Paul University;
2) Chinese General Hospital College of Nursing and Liberal Arts; St. Louis University; Trinity University of Asia (Trinity -QC); University of Santo Tomas;West Visayas State University-La Paz;
3) University of the East Ramon Magsaysay Memorial Medical Center.

Nursing Board Exam Results of June 2009 complete listing will be available later.

MY SHORT ESSAY ABOUT THE PHILIPPINES
By: Jaeyoun Kim

Filipinos always complain about the corruption in the Philippines . Do you really think the corruption is the problem? I do not think so. I strongly believe that the problem is the lack of love for the Philippines .

Let me first talk about my country, Korea . It might help you understand my point. After the Korean War, South Korea was one of the poorest countries in the world. Koreans had to start from scratch because entire country was destroyed after the Korean War, and we had no natural resources. Koreans used to talk about the Philippines, for Filipinos were very rich in Asia .

We envy Filipinos. Koreans really wanted to be well off like Filipinos. Many Koreans died of famine.My father & brother also died because of famine. Korean government was very corrupt and is still very corrupt beyond your imagination, but Korea was able to develop dramatically because Koreans really did their best for the common good with their heart burning with patriotism. Koreans did not work just for themselves but also for their neighborhood and country. Education inspired young men with the spirit of patriotism.

40 years ago, President Park took over the government to reform Korea . He tried to borrow money from other countries, but it was not possible to get a loan and attract a foreign investment because the economic situation of South Korea was so bad. Korea had only three factories. So, President Park sent many mine workers and nurses to Germany so that they could send money to Korea to build a factory. They had to go through horrible experience.

In 1964, President Park visited Germany to borrow money. Hundred of Koreans in Germany came to the airport to welcome him and cried there as they saw the President Park . They asked to him, “President, when can we be well off?” That was the only question everyone asked to him. President Park cried with them and promised them that Korea would be well off if everyone works hard for Korea, and the President of Germany got the strong impression on them and lent money to Korea . So, President Park was able to build many factories in Korea . He always asked Koreans to love their country from their heart. Many Korean scientists and engineers in the USA came back to Korea to help developing country because they wanted their country to be well off. Though they received very small salary, they did their best for Korea . They always hoped that their children would live in well off country.

My parents always brought me to the places where poor and physically handicapped people live. They wanted me to understand their life and help them. I also worked for Catholic Church when I was in the army. The only thing I learned from Catholic Church was that we have to love our neighborhood. And, I have loved my neighborhood. Have you cried for the Philippines ?

I have cried for my country several times. I also cried for the Philippines because of so many poor people. I have been to the New Bilibid prison. What made me sad in the prison were the prisoners who do not have any love for their country. They go to mass and work for Church. They pray everyday. However, they do not love the Philippines . I talked to two prisoners at the maximum-security compound, and both of them said that they would leave the Philippines right after they are released from the prison. They said that they would start a new life in other countries and never come back to the Philippines .

Many Koreans have a great love for Korea so that we were able to share our wealth with our neighborhood. The owners of factory and company were distributed their profit to their employees fairly so that employees could buy what they needed and saved money for the future and their children.

When I was in Korea , I had a very strong faith and wanted to be a priest. However, when I came to the Philippines , I completely lost my faith. I was very confused when I saw many unbelievable situations in the Philippines . Street kids always make me sad, and I see them everyday. The Philippines is the only Catholic country in Asia , but there are too many poor people here. People go to church every Sunday to pray, but nothing has been changed.

My parents came to the Philippines last week and saw this situation. They told me that Korea was much poorer than the present Philippines when they were young. They are so sorry that there are so many beggars and street kids.

When we went to Pasangjan, I forced my parents to take a boat because it would fun. However, they were not happy after taking a boat. They said that they would not take the boat again because they were sympathized the boatmen, for the boatmen were very poor and had a small frame. Most of people just took a boat and enjoyed it. But, my parents did not enjoy it because of love for them.

My mother who has been working for Catholic Church since I was very young told me that if we just go to mass without changing ourselves, we are not Catholic indeed. Faith should come with action.

She added that I have to love Filipinos and do good things for them because all of us are same and have received a great love from God. I want Filipinos to love their neighborhood and country as much as they love God so that the Philippines will be well off.

I am sure that love is the keyword, which Filipinos should remember. We cannot change the sinful structure at once. It should start from person. Love must start in everybody, in a small scale and have to grow. A lot of things happen if we open up to love. Let’s put away our prejudices and look at our worries with our new eyes.

I discover that every person is worthy to beloved. Trust in love, because it makes changes possible. Love changes you and me. It changes people, contexts and relationships. It changes the world. Please love your neighborhood and country.

Jesus Christ said that whatever we do to others we do to Him. In the Philippines , there is God for people who are abused and abandoned. There is God who is crying for love.

If you have a child, teach them how to love the Philippines . Teach them why they have to love their neighborhood and country. You already know that God also will be very happy if you love others.

That’s all I really want to ask you Filipinos.


My question to you: Do you love the Philippines?

When I was in college I used to loan money from the bank because my school allowance came very late always. Many students loan because their parents lacked money to finance their studies in college, most of them pay their loans after college when they able to land a job. In my country, you could not hear of this kind of loan. Banks in my country will not approve a student loan because there is no guarantee that he or she could pay it.

If you are having a student loan or loans I think the better way to pay it light is to have a consolidate student loan because in this way you are combining all your student loan into one just like other loan to avail discount and easy monitoring of your loan. For example Nextstudent and Citibank offered you a student loan each, then you can combine them into one as consolidate student loan to lower the interest, easy loan payment management and even further negotiation.

Student loan and applying consolidate student loan are the best way if you are not a scholar rather than not going to school because these are easy schemes and payable after you are able to land a job. Why would you stop your dream if you can still study by having a student loan and applying consolidate student loan later to save money by lowering the interest? Make the first step now and see your brighter future at the end of the tunnel. Leverage your future by investing yourself using student loan.

Mortgage is a loan to pay your house or property that you purchased. If you can not buy your home in cash then most of the lenders will offer mortgage to you so that you can pay the home that you bought. Since most of the developers will not give the home that you want if you do not give big down payment to them, you need to apply mortgage to borrow big money and give it to the real estate developer, in return your home will become collateral to the lender of the money.

Now you have to pay your monthly due for the new home that you have to the lender who gave you money in order to purchase the home that you have. All lenders though will require you an insurance for your purchased property before they approve your loan, this is because the home will become their collateral from you before you could finish paying your debt from them. If you can not pay the money you borrowed from them including the interest then they will take you home and sells it in order to cover the money that they lent to you.

Mortgage is when you borrowed money from lender in order for you to purchase a home. Later you have to pay your mortgage from the lender in monthly basis including tax or base on your agreement. If you can not pay, the lender will take your home because it is the collateral from the lender when you borrowed money to buy it. Mortgage is a way to earn and invest money wisely. Ask anyone about mortgage before you apply for housing loan.

Debt Consolidation in the simple is to combine all your debts into one. I do not know when this recession will go away. Many people are already affected and not only in United States but around the world. Do you have a debt problem that you are facing today? You are not alone my friend; there are many home owners who abandon their mortgages because they could not afford to pay them after they lost their jobs. I will discuss here about debt consolidation because this is very important if you are into a deep debt and think that there is no way to solve and gain confidence because of debt.

As I defined earlier debt consolidation is to combine all your debt into one so that it will be easy for you to pay. Why it is so? Because by having debt consolidation, you do not have to think other debts and besides the company that offers debt consolidation can help you lower your monthly payment. Actually most of the lenders only want assurance that you will pay your debt so the company that offers you to consolidate your debts will have a power to appeal to the lenders where you have debt. Filing a bankruptcy is not a good choice because it can damage your financial or credit reputation. Filing it is easy but the damage is fatal to your business, so before thinking of filing, do a debt consolidation to lower your monthly payment and negotiate the banks where you have loans.

Here is the summary:

1.0 Apply debt consolidation to combine all your credit or debts for easy management
2.0 Negotiate for lower monthly payment from the debt consolidation company; they will also do it the same to your banks where you borrowed money. They have the voice after all because they can give assurance that you will pay and will not run your obligation.
3.0 Pay more towards principal by lowering the interest rate.
4.0 Rebuilds your Credit Rating can also be remedy in debt consolidation so that you will have a better credit score that will help you qualify for housing loans, car loans in the future with lower interest.

Personal Loan is a loan where you can borrow money from the bank or other lending institution and will be paid at the end of the month by deducting it from your monthly salary or it will be paid up to 36 months at equal monthly payment whichever you like. There are many banks that offer Personal Loan and some of them are even unsecured loan. Right now you can apply online by filling up the form for your personal loan and it is very fast that most of the bank or lender will approve your application within 5 minutes.

You can use your personal loan to anything you want like home repair, car repair, emergency medical expenses, debt consolidation and anything you want. I have tried it before and you it really help my problem fast. Imagine you do not have money for emergency and by applying for personal loan I was able to pay my home rental.

When you apply you are not oblige to take the loan if you will change your mind even if they already presented it to you in fact you can return the money after 14 days if you decided not to pursue the personal loan. Of course this condition is not applicable to all banks and lenders; they have different regulations which are written in their form so it is better to read them before you sign. Apply now for personal loan online and wait for 5 minutes or more and see if you are approved.