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	<title>AttyAtWork.com &#187; Money &amp; Finance</title>
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	<link>http://attyatwork.com</link>
	<description>Legal thoughts and beyond. The personal blog of Atty. Fred Pamaos</description>
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		<title>Bouncing Checks (BP 22): An Extended Discussion</title>
		<link>http://attyatwork.com/bouncing-checks-bp-22-an-extended-discussion/</link>
		<comments>http://attyatwork.com/bouncing-checks-bp-22-an-extended-discussion/#comments</comments>
		<pubDate>Thu, 16 Sep 2010 22:24:08 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Criminal Law]]></category>
		<category><![CDATA[Money & Finance]]></category>
		<category><![CDATA[Bouncing Checks]]></category>
		<category><![CDATA[BP 22]]></category>

		<guid isPermaLink="false">http://attyatwork.com/?p=1575</guid>
		<description><![CDATA[(This is a four-part discussion on Bouncing Checks. See the pages at bottom of post.) Checks will always be an integral part of business, which is why we have a number of discussions regarding checks (see Bouncing Checks [BP 22]). This time let&#8217;s have a more extensive discussion on bouncing checks. What is the law [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<item>
		<title>What would you do as a Credit Card Company?</title>
		<link>http://attyatwork.com/what-would-you-do-as-a-credit-card-company/</link>
		<comments>http://attyatwork.com/what-would-you-do-as-a-credit-card-company/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 13:36:27 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Money & Finance]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://attyatwork.com/?p=1066</guid>
		<description><![CDATA[There seems to be a consensus that certain practices of some credit card collection agencies go beyond what is fair and reasonable, something which is officially recognized when no less than the Bangko Sentral ng Pilipinas issued the rules prohibiting certain unfair collection practices. For a change of perspective, put yourself into the shoes of [...]]]></description>
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		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Tax Amnesty Available until May 2008</title>
		<link>http://attyatwork.com/tax-amnesty-available-until-may-2008/</link>
		<comments>http://attyatwork.com/tax-amnesty-available-until-may-2008/#comments</comments>
		<pubDate>Thu, 17 Apr 2008 21:27:54 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Business & Corporate]]></category>
		<category><![CDATA[Money & Finance]]></category>
		<category><![CDATA[tax]]></category>

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		<description><![CDATA[The last day to avail of tax amnesty is 5 May 2008. Now, before you get excited because you may happen to have failed to file your income tax return by 15 April 2008, this tax amnesty refers to all national internal revenue taxes for the taxable year 2005 and prior years that have remained [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Ponzi Scheme: The Panata Foundation and Menil Cases</title>
		<link>http://attyatwork.com/ponzi-scheme-the-panata-foundation-menil-cases/</link>
		<comments>http://attyatwork.com/ponzi-scheme-the-panata-foundation-menil-cases/#comments</comments>
		<pubDate>Tue, 15 Jan 2008 01:51:11 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Criminal Law]]></category>
		<category><![CDATA[Money & Finance]]></category>
		<category><![CDATA[ponzi]]></category>

		<guid isPermaLink="false">http://www.attyatwork.com/ponzi-scheme-the-panata-foundation-menil-cases/</guid>
		<description><![CDATA[There are of discussions on the Ponzi and pyramiding scams at the Pinoy Entrepreneurs blog (see &#8220;Scams and Schemes&#8220;). There&#8217;s a discussion of an actual case, the Panata Foundation case. The 2000 case of People vs. Menil, Jr. involves a strikingly similar scheme. It&#8217;s really amazing how this scam still works despite almost a hundred [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Ramdam ko ang Pag-Asenso</title>
		<link>http://attyatwork.com/ramdam-ko-ang-pag-asenso/</link>
		<comments>http://attyatwork.com/ramdam-ko-ang-pag-asenso/#comments</comments>
		<pubDate>Thu, 01 Nov 2007 19:47:09 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://www.attyatwork.com/ramdam-ko-ang-pag-asenso/</guid>
		<description><![CDATA[Please don&#8217;t get the idea that I&#8217;m even talking about myself. The title refers to a government-sponsored commercial which centers around businessmen and ordinary workers saying &#8220;Ramdam ko ang Pag-Asenso.&#8221; Some say this reflects the general economic condition of the Philippines, while others say this is bull. Anyway, perhaps the long vacation could give us [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
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		<title>Negative impact of Peso appreciation: OFWs appeal to Pres. Arroyo</title>
		<link>http://attyatwork.com/negative-impact-of-peso-appreciation-ofw-appeal-to-pres-arroyo/</link>
		<comments>http://attyatwork.com/negative-impact-of-peso-appreciation-ofw-appeal-to-pres-arroyo/#comments</comments>
		<pubDate>Tue, 07 Aug 2007 07:21:21 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

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		<description><![CDATA[(I received this email from Mr. Bong Amora, one of the active movers of the OFW Political Party. Bong and his group are encouraging their fellow OFWs and readers to copy the letter and send copies of it to H.E. Philippine President Gloria Macapagal Arroyo, copy furnished the Honorable Members of the Senate, and Congressmen [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
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		<title>Insolvency and Criminal Cases</title>
		<link>http://attyatwork.com/insolvency-and-criminal-cases/</link>
		<comments>http://attyatwork.com/insolvency-and-criminal-cases/#comments</comments>
		<pubDate>Mon, 25 Jun 2007 09:51:18 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Business & Corporate]]></category>
		<category><![CDATA[Criminal Law]]></category>
		<category><![CDATA[Money & Finance]]></category>
		<category><![CDATA[insolvency]]></category>

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		<description><![CDATA[One concern of creditors in filing a case for collection is the possibility of getting nothing in the end because the debtor has no properties to satisfy the judgment award, while spending more money for legal fees. A pyrrhic victory, so to speak. In fact, I often come across debtors dropping the hint of filing, [...]]]></description>
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		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Credit cards and unfair collection practices</title>
		<link>http://attyatwork.com/credit-cards-and-unfair-collection-practices/</link>
		<comments>http://attyatwork.com/credit-cards-and-unfair-collection-practices/#comments</comments>
		<pubDate>Thu, 21 Jun 2007 08:47:36 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://www.attyatwork.com/credit-cards-and-unfair-collection-practices/</guid>
		<description><![CDATA[There are a number of good reasons in favor of having and using a credit card. It&#8217;s like owning a gun &#8211; it&#8217;s really a matter of how you use it. I know, not because I own a gun, but because I&#8217;ve handled an international credit card institution for years. Still, we all know the [...]]]></description>
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		<slash:comments>1642</slash:comments>
		</item>
		<item>
		<title>Lending interest rates</title>
		<link>http://attyatwork.com/lending-interest-rates/</link>
		<comments>http://attyatwork.com/lending-interest-rates/#comments</comments>
		<pubDate>Sat, 11 Nov 2006 07:54:02 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://www.attyatwork.com/lending-interest-rates/</guid>
		<description><![CDATA[Everybody knows about &#8220;5-6&#8221; and similar lending schemes. Everybody also knows that, ironically, those who are in financial trouble are forced to accept ridiculously high interest rates &#8211; which, in many (almost all?) instances, leads to more trouble (financial or otherwise). Indeed, with the suspension of the Usury Law and the removal of interest ceiling, [...]]]></description>
		<wfw:commentRss>http://attyatwork.com/lending-interest-rates/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Cash price vs. credit card price</title>
		<link>http://attyatwork.com/cash-price-vs-credit-card-price/</link>
		<comments>http://attyatwork.com/cash-price-vs-credit-card-price/#comments</comments>
		<pubDate>Fri, 03 Nov 2006 03:51:36 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://www.attyatwork.com/cash-price-vs-credit-card-price/</guid>
		<description><![CDATA[In an Administrative Order recently issued by the Department of Trade and Industry (DTI), stores are now prohibited from imposing any extra charges, on top of the cash price, for purchases of consumer goods or services using credit card, automated teller machine (ATM) cards and debit cards. In other words, stores cannot impose any extra [...]]]></description>
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		<slash:comments>6</slash:comments>
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