Friday, April 20, 2012

5-6 BY INDIANS IN THE PHILIPPINES: GOOD FOR INDIANS....BAD FOR FILIPINOS


He's Indian, one of the ''bosses'' here in the Philippines. He's doing the 5-6 lending business.


 They are Filipino vendors in Caloocan, only in Caloocan City. Philippines has too many vendors all over its places: remote, urban, or metropolitan.

These vendors get or ask money from Indians to finance their small vending businesses. For every 5 peso borrowed by a Filipino vendor, 6 peso is being returned. So if 100PHP is borrowed by a Filipino vendor, it will be returned at 120PHP; for 1000PHP borrowed finances, 1200PHP is to be returned; for 2000PHP, 2,400PHP must be returned, and so on and so forth.

This is how Mari Kondo defines 5-6:
''Five-Six Moneylenders. So-called because of the manner in which they lend, five-six (5-6) moneylenders charge a nominal interest rate of 20 percent over an agreed period of time. A person who borrows 5 pesos from a 5-6 moneylender over a period of one week repays 6 pesos, including 1 peso interest. Neither Filipino nor Indian 5-6 moneylenders require collateral or documents from their borrowers. The success of a borrower’s business and loan repayment history provide a gauge of the borrower’s credibility.''

To know more about 5-6, please click the link below.

 This article says that 5-6 helps to develop the mirco-enterprises in the Philippines.

This is how wikipedia defines what micro-enterprise is...........
''A micro-enterprise (or microenterprise) is a type of small business, often registered, having five or fewer employees and requiring seed capital of not more than $35,000. ''

Street vendors in the Philippines aren't registered. They usually sell their products on cart or wagon.


 These vendors need to sell something on the streets in order to survive, to feed their families, to provide a living, and to give education to their children, IF they earn much in a day. They live on the streets, sleep on the sidewalks, and make money on the streets. They earn just a little from their goods. But they still have to pay the Indians within a certain period of time.

In my point of view, the Filipino vendors must not ask seed capital from the Indians.  They must save, so they can have their own seed capital. Filipinos don't realize the worst consequence that occurs whenever they borrow and borrow seed capital from the Indians or Filipino creditors. So what happens is even if they pay 6 pesos for every 5 pesos, or even if they pay their whole debt or 5-6 loan, a Filipino vendor still needs to borrow from that Indian again the next time she needs a seed capital. So history just repeats itself. Definitely, Filipinos won't get rich, or won't be able to get much through 5-6 financing. Filipinos  just bury themselves slowly in their own pit.

Sunday, April 15, 2012

THE DISCIPLE OF SATAN HAS AN ANGELIC TONGUE! BEWARE!

I have a small business here. She always asks money from the vendors who are keeping my CART BUSINESS; selling fruits, vegetables, dried fish, and goods along  the streets.


These vendors have nobody to ask for their needs. What I did was to give them 15,000PHP as capital. From there, I also earn a little. BUT THIS DISCIPLE OF SATAN ALWAYS ASKS FOR MONEY AND GOODS FROM THE VENDORS. SHE REALLY WANTS TO PESTER MY BUSINESSES AS SHE DID TO MY HOME-BASED TUTORIALS AND ONLINE CLASSES.


Her god is too powerful that she also INFLUENCES A LOT OF PEOPLE AROUND ME TELLING THESE PEOPLE THAT I AM THE BITCH AND SHE IS THE ANGEL.


If we are going to follow the WORDS OF GOD THAT ARE WRITTEN IN THE HOLY BIBLE, I FOUND ALL THE PROHIBITIONS OF THE TRUE LIVING GOD BEING BROKEN AND DONE BY THIS WOMAN.

Friday, April 13, 2012

GOODBYE, MY DEAR CEDIE.....!




Goodbye, my Cedie!
Thanks for the love you gave me.
Thanks for being part of my life.
Thanks for giving joy to me.

Though it's hard to see you go,
But I have to release you,
For life is really too short to know,
How we really love you so!

Your memories will linger.
Your hugs and kisses I will  always remember.
Our laughters, the games that we played, and your training,
will always be in my heart forever!

---

This is another scene in my premonition which came true today, April 14th, 2012, at 00:00 hour.
Here's the link to my dream .............
http://prettyjean.blogspot.com/2011/12/cedie-cedie-where-are-you.html 

Monday, April 2, 2012

CHERRY BLOSSOMS FESTIVAL

Cherry Blossom is the national flower of Japan.
Cherry blossoms within a field of Phlox subulata at Yachounomori Garden in Tatebayashi, Gunma
"
Japan's national government has never formally named a "national flower", as with other symbols such as the green pheasant, which was named as national bird (by a non-government body) in 1947, but it wasn't until 1999 that the national flag and national anthem were officially passed into law.
A de facto national flower for Japan for many is the sakura (Cherry blossom), while a stylized picture of a chrysanthemum is used as the official seal of the Japanese Imperial Family."

At Himeji Castle Japan
 But I think Cherry Blossoms are loved all over the world. In fact, there are festivities called the Cherry Blossom Festivals.

Here are some links to show how these festivals are being anticipated by the global peoples and held in different parts of the world.

http://www.nationalcherryblossomfestival.org/ 

http://www.cherryblossom.com/events/

http://www.cherryblossomfestivalsocal.org/

http://www.cherryblossomfestivalsocal.org/

http://nccbf.org/

And though, Japan and Korea have been in conflict, South Korea has been observing Cherry Blossoms Festival.
http://discoveringkorea.com/2009/03/24/jinhaes-cherry-blossoms/ 


These photos were taken in Mr. Han's place in Seoul, South Korea.
It started as the FLOWER VIEWING in Japan as wikipedia.com narrates....
"

Flower viewing

"Hanami" is the centuries-old practice of picnicking under a blooming sakura or ume tree. The custom is said to have started during the Nara Period (710–794) when it was ume blossoms that people admired in the beginning. But by the Heian Period (794–1185), cherry blossoms came to attract more attention and hanami was synonymous with sakura.[3] From then on, in tanka and haiku, "flowers" meant "sakura." The custom was originally limited to the elite of the Imperial Court, but soon spread to samurai society and, by the Edo period, to the common people as well. Tokugawa Yoshimune planted areas of cherry blossom trees to encourage this. Under the sakura trees, people had lunch and drank sake in cheerful feasts.

Woodblock print of Mount Fuji and cherry blossom from 36 Views of Mount Fuji by Hiroshige.
Every year the Japanese Meteorological Agency and the public track the sakura zensen (cherry blossom front) as it moves northward up the archipelago with the approach of warmer weather via nightly forecasts following the weather segment of news programs. The blossoming begins in Okinawa in January and typically reaches Kyoto and Tokyo at the end of March or the beginning of April. It proceeds into areas at the higher altitudes and northward, arriving in Hokkaidō a few weeks later. Japanese pay close attention to these forecasts and turn out in large numbers at parks, shrines, and temples with family and friends to hold flower-viewing parties. Hanami festivals celebrate the beauty of the cherry blossom and for many are a chance to relax and enjoy the beautiful view. The custom of hanami dates back many centuries in Japan: the eighth-century chronicle Nihon Shoki (日本書紀) records hanami festivals being held as early as the third century CE.
Most Japanese schools and public buildings have cherry blossom trees outside of them. Since the fiscal and school year both begin in April, in many parts of Honshū, the first day of work or school coincides with the cherry blossom season.
The Japan Cherry Blossom Association developed a list of Japan's Top 100 Cherry Blossom Spots[4] with at least one location in every prefecture."
http://en.wikipedia.org/wiki/Cherry_blossom

Yesterday, April 2nd, 2012, during my class with Mr. Han, a Korean military retiree who has been trying to learn Spoken and Conversational English with me, we talked about the coming big events in Korea in April. And he mentioned the Cherry Blossom Festival as one. He said that it is being observed and celebrated in different parts of Korea on different days and dates.

He said that Seoul is going to hold the Cherry Blossoms Festival on April 10th, 2012.
 Thia photo was taken in 2011 during the Cherry Blossoms Festival in Seoul, South Korea.

I. myself, love flowers. I also experienced watching Sakura Flowers in Japan. I miss picnicking under the Cherry trees. How I wish I could watch them again with my husband someday

I also wish that the conflict of Japan and Korea be mended through picnicking and watching these flowers: SAKURA or Cherry Blossoms.

Cherry blossoms in Newark, New Jersey
Panoramic view from the Symbolic Mountain at the Japanese Gardens. The view takes in the gardens and the plains of the Cowra district across to the nearby mountains.
 Happy watching and picnicking!