How to Lower Your Comcast Xfinity Cable & Internet Rate

When we first arrived in the USA, we applied for Comcast Xfinity cable and internet package. We paid $66 per month initially. But after the initial 12 months promotional period, we ended up paying $111 per month! Too expensive! So when our 2-year contract was up, I called them up and managed to bring down our monthly rate to $48.66

Here’s a trick to lower your Comcast Xfinity cable and internet monthly rate.

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Dental Care is So Expensive in America!

In the Philippines, most families don’t really pay for health insurance and dental insurance. But in America, it’s very difficult if you don’t have one. The cost of healthcare without any insurance could be so high that you may end up paying thousands of dollars!

Our 4-year old son started complaining about his teeth. So we went to a dentist for a consultation. His dentist recommended that they put a crown on 6 molars – 2 on each side on the lower set of his teeth; and 2 on the upper right molars.

The next step was to ask for estimates from the dentist and our dental insurance plan how much it would cost. You see, even if you pay for a dental insurance, it would still cost a lot to avail dental services.

So we waited for a little bit. Then a letter came in the mail. To do a Pulpotomy and crown two of his lower left molars, it would cost a total of $831! I know I’ve said I should not convert from dollars to pesos, but man, that’s more than PhP41,000! I could have replaced all of my teeth and more!

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How to Apply for a University of the Philippines Transcript of Records Online

Last year I applied to a Master’s degree program. I applied and got accepted to the Master’s degree in Youth Development Program at Missouri University. It was quite the process.

I had to apply for admission. Then I had to take the Test of English as a Foreign Language (TOEFL), which is required for all foreigners who want to study in a university in the USA. I’m proud that I got a score of 117 out of 120! 🙂 I prepared for that test but not thoroughly. I can write another post about that soon.

To be admitted to a master’s degree program in the USA, though, you will need to send your official transcript of records (TOR) to the university. Your personal copy does not count, though. It should be sent directly from the college or university in the Philippines to the college or university in the USA.

Here’s how to apply for a UP Transcript of Records Online

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How to Subscribe to Netflix

Ever heard the term “Netflix and Chill?” Please don’t use this term unless you really know what it means.

Anyway, Netflix is a cool streaming service. It has original programming, and you get access to lots and lots of TV series such as Breaking Bad, Marvel’s SHIELD, Supergirl, Flash, Arrow, and a whole lot more.

Go to Netflix.com and sign up.

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How to Build Your Credit History When You are a Newly Arrived Immigrant (or Non-Resident Alien)

When you live in America, you definitely need a credit history, unless you are filthy rich or you can save for pretty much anything that you can pay for them in cash.

Most ordinary folks, though, will need a good credit history to avail of personal loans, credit cards, and other financial products that make life go round and round in the land of milk and honey.

So if you are a bagong salta, a newcomer, newly arrived immigrant or non-resident alien in America, you will need to build your credit history. Here’s a few tips and tricks to get you going.

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