Unauthorized Payment Via Paypal

Last Friday, during a call with my client, I received a notification from Paypal that I sent a payment to certain Michael Theron amounting to $25. I tried my best to recall if I have purchased anything from the company stated on the notification. But I am not even familiar with the company’s name.

Unauthorized Paypal Payment


After my client’s call, I logon to my Paypal’s account and tried to file a transaction dispute. But I probably didn’t make it right so when I came back in the afternoon, I logon again to my Paypal account to check if there was any progress on the dispute I filed. But there was no transaction recorded under the Resolution Center Cases. So I filed again and made sure that the report would appear as an Open Case. Paypal promised to return the fund if the case is decided on my favor and I believed it should.

Until now the case has not yet been resolved. Upon checking the transaction dispute history log, Paypal had emailed the seller twice, once last September 25 and another email was sent last September 28. But I still wonder how this happened. Was my account hacked and the hacker sent the payment to this Michael  Theron? If not, is it a Paypal system’s glitch?

Have you experienced this concern? Did you get the refund from Paypal?




Choosing To Be Happy

I often hear that being happy is a choice. According to some it is just a matter of perspective. But sometimes it is hard to choose tobe happy

if we are carrying so many


and facing so many


but we don’t get the


we need. Sometimes we can’t help but to cry

as if crying can lessen our


Often times we forget that ourHelper

is just a


away.  So if we find it difficult to be happy because of our burdens, remember that

in-every-life-we-have-some-trouble-when-you-worry-you-make-it-double-dont-worry-be-happy--18e0fAnd most of all we can claim God’s promise in

DISCLAIMER: The images in this post are not mine and are just found from different sources all over the internet.

Cancelled Trip

We were supposed to be already in Manila since yesterday to attend our sending church’s anniversary which starts today. But our trip didn’t pursue because of conflict schedule and insufficient budget. Since we booked the trip, there had been several unexpected expenses which drained our pockets. Husband’s schedule is also tight that he can’t leave Bohol at the moment. We take it as God’s way of not allowing us to go 😉

We booked our flight last October when CEB offered a Piso – Fare promo. The airfare was only 6K+ for the four us, my husband, two daughters and myself. Since it was a promo fare, we could not cancel it and put the payment we paid to travel fund. We can only re-book it. Rebooking the flight requires us to pay the difference between the original airfare and airfare of the rebooked flight plus Php 1500 rebooking fee. Unfortunately, the available airfares for future travels are too expensive and we have no extra fund for the rebooking expense. Our only choice is to let the 6k+ be forfeited.

Before purchasing a promo fare ticket, make sure that the schedule is sure and the budget allotted for the trip is secured. Otherwise, be prepared  to the possibility of forfeiting the tickets and wasting the money used to purchase the tickets.

Stock Investment

Recently, I started my journey to stock investment. What convinced me? The story of Bo’s maids convinced me to invest on stocks. Just like Bo’s maid, I don’t also earn that much. Aside from my low income, I also need to support my parents financially. But I have a monthly “paluwagan” in which my entire year contribution  is returned to me by the end of the year with minimal interest. Instead of joining the “paluwagan”, I will just invest on stocks the money I set aside monthly for it.  After contemplating and praying, I decided (with my husband’s approval) to open an account with COL Financial.

COL Financial is an online stockbrokerage firm same with BPITrade. But why I chose COL over BPI? Simply because I find the instructions for opening an account with COL easier and simpler than BPI :D. I just sent the filled-out form and the required documents via courier  to COL Financial‘s office and after a week, I got an email from them telling me that my application was approved. Included in the email is my account number and password.

Funding my COL account is not also a burdensome. I just enrolled my COL account to my Bills on my BPI Express online account and presto, I can fund my COL account anytime. The payment reflects on my COL dashboard in less than an hour. That fast!

I am totally a newbie in stock investment. The only knowledge I have is the Easy Investment Program (EIP) discussed by Mr. Bo on his “My Maid Invests in the Stock Markert” booklet.  But I took the risk :D. On July 1, I  bought my first shares from Ayala Land Inc (ALI). Right now, I minimal shares from 5 companies. One of them is Cebu Pacific Inc (CEB) which recently give out dividends. I received mine. It was very small because I only have 10 shares from CEB. But still, it is bigger than the interest I get from my savings account.

If you are interested with stock investment, there are so many free guides online. You can check this step-by-step tutorial  and DailyPik. So far, these sites are my guides.  If you have the resources, you can also subscribe to Mr. Bo’s  Truly Rich Club. You can also like the Facebook pages about stock investments to gain more knowledge about stocks.

I will be sharing my investment experiences as a newbie here so stay with me as I go through this journey. God Bless!

Breastfeeding Journey

My breastfeeding journey with my 3 year and 3 month old daughter has not yet totally reached the finish line. There were nights that she still requested to be breastfed but there were also nights that she could cope up without any. Our sessions do not last for so long. I could not the take the pain when her teeth rest on my nipple for so long. After each breastfeeding session, her teeth leaves a crown-like mark on my breast and it is indeed painful. My daughter usually withdraws fro sucking when I asks her to do so but request for the other breast.

Come July, I’ll be giving birth to another baby.  My husband and I had started orienting my daughter that when the baby comes, she has to give way to the new baby. Sometimes, she would agree but sometimes she would tell us that they share with the milk. One breast for the baby and the other one for her. Sometimes, she would request us to buy her a cow so she can breastfeed on the cow just like child on the video we’ve seen :D.

I feel blessed that I can still breastfeed my 2nd though I’m already expecting to my next child. I don’t feel any contractions whenever I breastfeed my daughter so I think it is still safe. I am prepared to do a breastfeeding tandem to my 2nd and 3rd child if my 2nd does not want to stop breastfeeding yet. Anyway, it will not be forever that she enjoy my milk.

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