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.

http://kyotoreview.cseas.kyoto-u.ac.jp/issue/issue3/article_298.html 

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

This is how wikipedia defines what micro-enterprise is...........

http://en.wikipedia.org/wiki/Micro-enterprise 

''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.

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.

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

Main article: Hanami

"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!

THE SADDEST EXPERIENCE IN MY LIFE...THEN I CRY....

 

I just cry inside my room

when I am treated indifferently,

when I feel the sky has fallen,

when I feel I'm alone,

and no one has sided on me! 

 

THE SADDEST EXPERIENCE IN MY LIFE

IS NOT THE TIME WHEN I LOST ANDREO,

IS NOT THE TIME WHEN I LOST MY MOM,

IS NOT THE TIME WHEN I LOST MY BROTHER BERN,

THOUGH I CRIED A LOT WHEN HE PASSED AWAY,

IN FACT, THIS PICTURE WAS TAKEN AFTER 

MY ONLINE CLASSES

ON JULY 29TH, 2011

 11 MONTHS AFTER THE DEATH OF MY BROTHER BERN....

THE SADDEST EXPERIENCE IN MY LIFE IS

when I'm treated like a shit,

when I'm treated like a beggar,

when I'm treated like a slave,

when I'm treated as the foolish,

when I'm treated as the most stupid,

when I'm treated as a trash,

when I'm treated as ''nothing''!

And the worst thing here is,

those people who are inferior than me,

always do all these things to me !

Those people who are superior than me,

treat me like,

I am more than who they are.

So I feel sooooooooooooooooooooo sad.

Then I cry.

I'm crying now!

WRITING IS MY ONLY WAY OUT!

http://wazzup-prettyjean.blogspot.com/2012/03/no-heart-for-evil-people.html

REASONS WHY I DISLIKE THE PHILIPPINES.............

http://channelfix.com/video/174/

The above link shows the reasons why an expat from America, Jimmy, dislikes the Philippines. I'm not offended, Jimmy. You just told the truth, and truth hurts.

 Philippines is my native land. It is ONE of the TWO reasons why I stay here. The second one is that my family lives here, so I need to be here.

But if I could only choose a native land, I would like to be borne in Australia or New Zealand or in France or in Italy. Destiny did not favor me. So I was born in the Philippines.

Things that I don't like about the Philippines are as follows:
1. corrupt government
2. corrupt officials
3. mind your own business attitude...NO CONCERN ABOUT OTHERS...have concern about himself/herself/themselves
4. Filipinos have warm heart and are hospitable because they want to get some favor from you.
5. close family ties is only read, seen, and observed in the book...NOT in reality...there is always a story of sibling rivalry and betrayal.
6. most Filipinos are traitors...they will sell you for a hundred bucks
7. noise pollution
8. water pollution
9. air pollution
10 favorite by calamities
11. the dirtiest country
12. the poorest country
13. lazy people
14. not safe .... even in your own house, you will be killed...
15. too many burglars
16. too many gangs..especially the Muslim gangs who love killing people...a kind of massacre...
17. lawmakers are lawbreakers
18. the most polluted country
19. young people are disrespectful
20. educational system doesn't have any quality at all due to corruption
21. very expensive vegetables...even local vegetables are very expensive
22. no available jobs
23. many are unemployed
24. many are hooked to drugs...drug users or drug pushers
25. no future for the children
26. it's NOT the Philippines worth dying for ....as what Dr. Jose Rizal said....
27. government doesn't care about its people and citizens
28. more women work while men stay home
29. Filipinos value vices
30. too many idols to worship and adore...
31. heavy traffic...
32. lots of road accidents...
33. driving isn't safe....Filipino drivers don't follow traffic laws
34. lots of fake products in the market
35. lots of street people and children...they live and sleep on the streets...

WHY PEOPLE IN THESE LAST DAYS ARE BRUTALLY GODLESS ?

 
 2 Timothy 3:1-4 ESV 

"But understand this, that in the last days there will come times of difficulty. For people will be lovers of self, lovers of money, proud, arrogant, abusive, disobedient to their parents, ungrateful, unholy, heartless, unappeasable, slanderous, without self-control, brutal, not loving good, treacherous, reckless, swollen with conceit, lovers of pleasure rather than lovers of God,"

I won't give my opinions about this verse. I won't give my explanations either. For it is also written, 
"Revelation 22:18-19 ESV / 4 helpful votes

I warn everyone who hears the words of the prophecy of this book: if anyone adds to them, God will add to him the plagues described in this book, and if anyone takes away from the words of the book of this prophecy, God will take away his share in the tree of life and in the holy city, which are described in this book."

I just wanna show you how this verse,  2 Timothy 3:1-4 ESV , relates to our world in these last days.

Please visit the following links:
http://www.youtube.com/watch?v=kOOGtGpX8sg&feature=youtu.be 

 http://www.youtube.com/watch?v=P51Tds0_B2c

http://youtu.be/JrRZBVqioeU 
 
http://youtu.be/ATs1gfTAuQc

This time let me present to you how GODLESSNESS is shown by this site http://www.practicalspiritualwarfare.com/signs-of-end-times-4.html in these last days:
 "

1.  People will be lovers of their own selves: this does not mean the normal and natural love of life and of oneself that we should all have. It means selfishness and self-centeredness, signs of end times.   Selfishness: From Loving Yourself to Loving Your Neighbor

2.  People will be covetous:  the word means lovers of money and possessions. People will want more and more and bigger and bigger and better and better, and they will seldom be satisfied with what they have.

3.  People will be boasters: braggarts, pretenders, vaunters, swaggerts. Signs of end times will be the person who boasts in what he has and pretends to have what he does not have or to do what he has not done.   Respectable Sins: Confronting the Sins We Tolerate

4.  People will be proud: self-exaltation, conceit, arrogance; being haughty; putting oneself above others and looking down upon others; scorn, and contempt. It means to show oneself; to lift one's head above another; to hold contempt for another; to compare oneself with others. Pride can be hidden in the heart as well as openly displayed.

5.  People will be blasphemers: the word means to slander, insult, rail, revile, reproach, curse. Blasphemy is usually thought to be against God, and it is. But with signs of end times it is also a sin against men. Men can blaspheme men.

    

    6.  People will be disobedient to parents: refusing to do what one's parents say; rebelling against one's parents; showing disrespect to parents; rejecting parental instruction; dishonoring parental example.   What's Happening to My Teen? Uncovering the Sources of Rebellion

7.  People will be unthankful: no sense of gratitude or appreciation for what one has and receives; no giving of thanks to God or man. As signs of end times many persons feel that the world and society or business and government owe them the good things of life.  The Attitude of Gratitude: Developing a Thankful Heart

8.  In signs of end times people will be unholy: profane, indecent, shameless, given over to the most base passions, being blind to modesty, decency, purity, and righteousness.

     9.  People will be without natural affection: abnormal affection and love; heartless, without human emotion or love; a lack of feeling for others; abuse of normal affection and love.

10.  People will be trucebreakers: breakers of promises and agreements; untrustworthy, faithless, treacherous, and untruthful. A trucebreaker is a man or some organization or body of people who tragically do not keep their word or promise. They are simply untrustworthy and undependable.   God is Good: Discovering His Faithfulness in Faithless Times

11.  People will be false accusers: slanderers. Note that the Greek word is diabolos, the very word for the devil.

12.  People will be incontinent: undisciplined and uncontrolled; having no self-control or no power to discipline. Sure signs of end times.

 13.  People will be fierce: savage and untamed. It is the word that describes the savage beast of the wild that is unrestrained in its fierceness. It is a word that should never be true of people, yet tragically it is. Never in the history of the world have men become as fierce and savage as they are today.

14.  People will be despisers of those who are good: this refers to people despising both good people and good things.

     15.  People will be traitors: betraying a trust refers to a person who...

•  betrays his country

•  betrays his team

•  betrays his friends

•  betrays his family

    16.  People will be heady: headstrong and reckless, rash and hasty—all without giving thought to the consequences. Reckless is probably the best description.   The New Strong-Willed Child

17.  People will be high minded  puffed up and conceited; having feelings of self-importance. More sure signs of end times.

  

18.   People will be lovers of pleasure more than lovers of God.   The Call of the Elijah Revolution: The Passion For Radical Change " 
 
As I mentioned earlier, I won't be adding any comments or any explanations because I am afraid of the words of the Almighty Father, "

Revelation 22:18-19

English Standard Version (ESV)

 ¹⁸ I warn everyone who hears the words of the prophecy of this book: if anyone adds to them, God will add to him the plagues described in this book, ¹⁹ and if anyone takes away from the words of the book of this prophecy, God will take away his share in the tree of life and in the holy city, which are described in this book. "

Now, friends, it's up to you to decide. It's up to you to believe. Do you  think and believe that Judgment Day is at hand? And that the Second Coming of the Lord Jesus Christ is coming nearer? 

If you do, THIS IS THE TIME TO SEEK FOR YOUR SOUL'S SALVATION!

"CEDIE! CEDIE! WHERE ARE YOU?"

December 23rd, 2011.
Friday, 6:30 in the morning. It was too early for me to wake up. It was not my plan to wake up early. But suddenly I got up from my bed. 


I was looking for my Cedie. I was shouting out loud, "Cedie, Cedie, where are you. Come out. Cedie, Cedie".

I couldn't find him. People around who heard me shouting started mocking me. They imitated my shouts. I traveled so far. I went past lots of places looking for my Cedie. I don't understand how I traveled. I didn't see any vehicles. I saw myself once walking along the highway. There was no one in that place. It looked like wilderness. It was like one of the mountains in Polillo Island in Quezon, Philippines. There weren't any houses. I was not riding any vehicles, but I think, I was moving so fast. I was walking so fast. Or I was traveling so fast in my dream.


I remember, we were trying to help some brethren. It's not clear why we were helping them. But we were telling them to take that weird vehicle that was waiting along the street. It seemed like it was a truck because it had a passenger seat beside the driver. It was high and big. But it had a roof. So it looked like a bus. The difference is that the front passenger seat of the bus doesn't have a door. The mode of transportation in my dream had a passenger seat beside the driver with a door. It could be my L300 van. But my van is a little smaller. This means of transportation was much bigger than my van. Cedie jumped up that vehicle and took the front seat. I saw the door closed, but I didn't see the driver.


I saw Jo-ane Avancena riding that weird vehicle at the back. She was the ONLY prominent individual in my dream BUT SHE WAS ALL IN BLACK. I saw first the BLACK COLOR then that black color appeared to be this woman, Jo-ane Neri Avancena who was comfortably sitting at the back of the weird vehicle as if she was not seeing anyone. Seats at the back were similar to the seats of my L300 van. 

I always wonder why this woman who always makes my life, my profession, and my career a mess is always present in my dream. Is it because I cannot express what I really feel about this woman because I need to control my emothions so I won't commit any sins against my GOD? 

She made my life, profession, and career in trouble by messing up, botching, and bungling all my things here at my centre which up to this day, December 24th, 2011, are NOT organized and NOT in order yet despite the fact that I started re-structuring my place in August. Because of this unmethodical, inefficient, and sloppy woman, my plans this year, 2011, are NOT pursued.

My Cedie passed by my side as a black and gold cat, NOT  a dog. But I said to myself, he was Cedie. I even called him. He just ignored me. I kept on helping people.


While we were busy taking care of the people in my dream, we didn't notice that the vehicle went off. When I looked around toward the direction of that bus-truck like vehicle, it was gone. 


That's the time my hubby and I started searching for Cedie. At first we were together. I think, we took a weird motorcycle at first. Then suddenly, I saw ourselves walking parallel along a highway. That time mockery and ridicule started to begin. But we didn't mind them. We continued seeking for Cedie. 

Then I suddenly woke up. I thought it was real. So I started looking for Cedie, my pet. I found him on his pedestal. He has a special place every time he sleeps. He was still sleeping. I woke him up and checked his condition. He was fine. Until later that day, I discovered that Cedie was not in the good mood. Cedie was not eating. Cedie was not in the mood to play with me. 


Today, December 24th, 2011, Cedie is sick with colds and fever.
I just hope and pray that my dream won't come true. Because if Cedie will be lost, a part of my life will also be gone.


Please heal my Cedie, my Father.