Life is a circle

Manila Times - Sep 29, 2026

Life moves in circles. Days repeat. Seasons return. People come and go. And inside every big circle of life, there’s a smaller one: the circle of what is actually ours to hold. In my control: My boundaries, my response, my energy, the way I speak, who I choose to spend my time with, my attitude, processing emotions, the way I treat others and my own self-talk. Out of my control: Others’ opinions of me, other people’s beliefs and behaviors, outcomes, the future, the past, aging, the way people behave toward me, external events, time, what others say about me and the way people treat me. When we forget this distinction, we get tired trying to manage outcomes and change people. We absorb words that aren’t ours. We carry the past like a backpack and the future like self-imposed weight. Where karma fits in In many traditions, karma isn’t punishment. It’s cause and effect. The energy you put out comes back to you. That means the things in the “in my control” circle are where you create karma: your response, your boundaries, how you treat others and your self-talk. You can’t control what someone says about you. That’s their karma. But you can control whether you react with...

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Holiday spending made smarter and simpler with BDO Pay

Sep 29, 2026

Holiday spending made smarter and simpler with BDO Pay

The "BER" months mark the start of the country's most anticipated holiday season. As families prepare for gift shopping and festive celebrations, making every peso count becomes important when planning meaningful reunions to create lasting memories. With expenses likely to pile up, BDO Pay helps Filipinos stretch their budget by offering free money transfers, seamless QR payments, and bill payments without extra charges. It’s your reliable and secure everyday payment app for all holiday transactions, from shopping, to settling bills, and even sending Aguinaldo. Your all-in-one holiday payment app The season means more gatherings, more purchases, and more expenses. BDO Pay keeps transactions simple, secure and cost-efficient, so you can focus on celebrations instead of fees. Pay instantly with no fees for all transactions. Scan any QRPh code to pay directly from your BDO account or Debit card, or choose Scan to Pay with your BDO Credit Card using the BDO POS terminal.Send gifts without fees. Send Aguinaldo to inaanaks or split expenses with relatives at no cost. With BDO Pay’s Send Money feature, you can transfer funds to BDO accounts, other banks, and e-wallets for free using an account number, QR code, or mobile number.Stay on top of bills. Settle dues to over 2,200 billers, like electricity, transportation, water services, and telecommunications, all without fees. Amid the holiday rush, pay on time without lining up or juggling multiple apps, and enjoy BDO Pay’s all in one convenient platform. Easy access for first-time users For those who have yet to discover BDO Pay, there's never been a better time to start.  Opening a Basic Account through the BDO Pay app is quick and hassle-free. Customers can open an account in just a few minutes using only one valid ID with no initial deposit or maintaining balance required, making banking accessible to more Filipinos. BDO Pay also makes everyday transactions effortless and secure. Easily collect shared expenses with Request Money, access installment offers for big purchases, and stay protected with instant card lock for your BDO Credit and Debit Cards whenever needed. This season of giving, BDO Pay Mo Na! Holiday spending is in full swing, but managing your everyday payments can be hassle-free. With BDO Pay, you have everything you need in one easy-to-use app that lets you spend smart, enjoy the festivities, and make your every peso count.  Download BDO Pay today from the App Store (iOS), Google Play Store (Android), or Huawei AppGallery (HarmonyOS)