Why your bank charges you P 100 to withdraw Over The Counter if you don’t have your ATM with you.

For Decades, banks have said:
"Keep your money with us."
"It’s safe with us".

Then one day you say "I’d like my money back."

Then they say "That’ll be P 100." #servicewithasmile

Or if via ATM, "That’ll be P 8 because you are using another bank to withdraw from us."

It’s been like this for a few years now, whether you withdraw in another bank’s ATM or your own bank without an ATM card (P 100).

Banks are in the business of: -keeping our money securely -loaning it out to other people for a big interest gain

Hence, in keeping with bank goals, they want to discourage us in a very nice way to do withdrawals.
"Please deposit, but please control your withdrawals."

Of course, charging P 8 – P 100/ withdrawal x number of people withdrawing / day is also a hefty source of income for them.

It’s not enough for them to earn from the massive interests they charge for bank loans.

They have to earn from a normal person’s withdrawals as much as possible.

It’s good your eyes are open to this now.

SOLUTIONS 1. Do keep your regular withdrawals to a minimum. It’s a horror show (See Greek Bank Run) if we all withdraw at the same time.
2. In fact, plan to go to the bank – with a bank book or ATM and withdraw a BIG AMOUNT (Like most of it) once a month.
3. Then during the month, you don’t have to waste time lining up in the bank.
4. Doing this will remove all the extra wasted money on service fees.
5. This will also remove all the wasted time lining up in the bank or ATM.

SMALL AMOUNT
After all, the person who says P 8 is a small amount -is the person who ends up poor. P 8 withdrawal fee per week is P 416 a year. In 40 years of weekly withdrawals : P 16,640. If you still say that’s "maliit lang" – then that’s why your income level is what it is today.

HOURS WASTED Lets say you line up once a week for ATM withdrawals. That’s 30 min x 52 weeks x 40 years = 1,400 hours wasted in your life. Talk about giving time to "Quality and Quantity time for family, eh" All you had to do was to stop withdrawing regularly and you’d have more time with family!
MONEY A TOOL Money is a means, a tool. You don’t have to love money. You just have to respect it. If you spend time and cash to "buy" a withdrawal from the bank – then that’s where your money is going. It’s not going to Tuition, Food, Water, Church.

It’s your turn to INCREASE!
Jomar Hilario

Biggest problem in making a website is…

It’s technically hard to do!

But once you have one set up by an expert – it’s smooth sailing

WHY GET A WEBSITE?

Next week, TIKTOK may be shut down by the USA.

Anybody dependent on a SOCIAL NETWORK like TIKTOK – will have income from millions to ZILLIONS. .. I mean ZERO.

You cannot run a real business without a WEBSITE.

So let me sweeten this deal for you.

1. I’ll do the technical setup and TRAINING for you to use your website.
2. I’ll even give you a sweet bonus. SEE BELOW.

PHILIPPINES ONLY: Look at the image.
These feel like Airpods, the work like Airpods …etc. WOULD YOU WANT ONE?

Pick w/c color you like.

To get one for free, get this Fast WordPress Service (It’s a subscription)- send me the reciept and I’ll set it up for you.

Get it here: https://jhilario.com/wordpressmonthly

Then send me your receipt — from above and I’ll help you get started with your WORDPRESS WEBSITE!

If you’re only going to create ONE WEBSITE –→ Look for the Slider under the BLUE BUY NOW –And Slide it to the left so you only have ONE WEBSITE.

There! That’s more like it!

Deadline – MONTH END 2025 January.

Get a WordPress Setup For You PLUS A Free “Airpod" like experience for you or your loved one!

Get it here: https://jhilario.com/wordpressmonthly

1. What are Jomar Hilario’s 2025 New Year Bundles?

These are discounted packages of online courses covering topics like financial mindset, AI, online business, and more. They are designed to be actionable and help you learn new skills quickly.

2. I’m interested in improving my financial literacy. Which bundle is for me?

The Better Money Mindset Bundle is designed for those who struggle with managing money or have negative perceptions about wealth. It includes courses on debt management and closing online sales.

3. I want to learn about AI but have limited knowledge. What should I choose?

The AI Basic Bundle is a good starting point. It offers a comprehensive introduction to prompt engineering through three levels of courses, allowing you to gradually build your AI understanding.

4. I’m already familiar with AI basics but want to explore advanced concepts and applications. Which bundle is suitable?

The AI Advanced Bundle is perfect for you. It includes everything in the AI Basic Bundle plus an additional course on AI + Automation 303, diving into more complex AI implementations.

5. I’m an aspiring entrepreneur but struggling to find time for everything. How can these bundles help?

The AI Basic Bundle can be incredibly beneficial for time management and efficiency. By learning prompt engineering, you can automate tasks and streamline your business operations, saving you valuable time and money.

6. I’m a freelancer seeking insights into online business models. Which bundle is relevant?

The Online Business 101 Bundle is tailored for you. It covers marketing blueprints, vertical video marketing strategies, and a comprehensive online business masterclass, providing real-world examples and insider information.

7. I’m a busy learner who prefers practical application over watching videos. Is there a bundle for me?

The No Videos To Watch Lessons Bundle is designed for hands-on learning. It includes challenges and practical exercises on topics like TikTok courage, social media copywriting, and more, allowing you to learn by doing.

8. What is the guarantee if I’m not satisfied with the bundles?

All bundles come with a 365-day money-back guarantee, ensuring you have ample time to assess the value of the courses and request a refund if you’re unsatisfied.

https://awesome.jhilario.com/2025bundles

A woman with 10 kids’ homes in Altadena was saved from Eaton fire in AltaDena, California.
This one is not covered in the news.
The homes around their house was burned down.
Their lawn also burned.
The trees around their home also burned.
A neighbor shot a video while the burning was still happening.
The neighbor also went into their home -and you can see how they left it in a hurry.
Here’s the video of Kendra’s home while the neighbor’s home is still on fire:
https://www.instagram.com/p/DElR0pdyGmD/
See image — the layout of Kendra’s burned and surviving home.
See image — the photo of the surviving home.

Who is Kendra? She’s a Catholic Author with 10 children.
She writes for Ascension Press, a favorite Catholic Press.

BUT WHY?
The thing is, she’s friends with the Halpins, the Catholic family whose home burned up – but they sang on top of the ruins.
You saw them in the news. They live in the same area.
So question. We assume both are devout Catholics.
One’s home survived. The other “toast”. Why?
You tell me and maybe I can tell you. LOL.
Discuss in the comments or reply!

HOW TO SUPPORT KENDRA AND HER KIDS?
Buy from their Catholic Store: https://catholicallyear.com/
Follow Kendra: https://www.instagram.com/kendra_tierney_norton/

How To Exit A Toxic/Unwanted Messenger Chat Group without anyone knowing

1. Open the Messenger App on Phone.
2. This will not work on Web or Desktop App.
3. Only on the phone.
4. Press Hard for a few seconds – the name of the chatgroup.
5. Press Ignore

You’re done!

Why do you want to do this PRIVATELY without ANYONE KNOWING?

Reasons to Exit a Toxic or Unwelcoming Facebook Messenger Chat Group Privately

1. You want to avoid drama when you leave.

2. You don’t want anyone to feel hurt or upset by your decision.

3. It keeps the peace in the group without any arguments.

4. You can focus on your own feelings without distractions.

5. Leaving quietly lets you keep your privacy.

6. You can avoid questions or pressure from group members.

7. It allows you to move on without any backlash.

8. You can find a better group that fits you without conflict.

9. It helps you feel safe and comfortable online.

10. You can take care of your mental health without drawing attention.

Congrats! You’ve left the TOXIC UNWELCOMING Facebook Chat Messenger Group who may have done one or the following things for you:

1. People are mean or rude to each other.

2. There is too much arguing and fighting.

3. You feel sad or stressed when you read the messages.

4. The group talks about things that make you uncomfortable.

5. You don’t feel included or welcome in the conversations.

6. Some members share hurtful jokes or comments.

7. You notice a lot of negativity and complaints.

8. The group is always gossiping about others.

9. You want to spend your time in a more positive place.

10. It’s better for your mental health to leave the group.

THE BEST REASON FOR LEAVING TOXIC GROUPS QUIETLY

The admins and members don’t really care about you or your opinions or comments.

It’s really a VANITY group led by only one person or small group of people showing off their posts and lives and photos.

They really want it to be a "SEE US" chat group.

They forgot your birthday but remembered everyone elses.

They post in ALL CAPS and don’t care.

They post the rules –in full — everytime there’s a violation w/o caring about people feelings.

They shame people when they make small mistakes.

Ya got it: How To Exit A Toxic or Unwanted Messenger Chat Group without anyone knowing

“This planner has changed my life! The checklists keep me organized and motivated every day.”
“I love the budgeting pages! They help me track my spending effortlessly.”
“The Passionate Penny Pincher planner is perfect for busy families like mine!”
“The stickers add a fun touch, making planning enjoyable.”
“I appreciate the Bible verses; they inspire me throughout the month.”

Planners for 2025

If you’re a busy parent, student, or professional, you need a planner that stands out. It should help you stay organized. The Passionate Penny Pincher (PPP) planner is an excellent choice for 2025.

This planner is designed specifically for individuals who want to balance their personal and financial goals. It also helps manage daily tasks and offers unique features that set it apart from the competition.

Here’s how it stacks up against other popular planners on the market.

Feature/Planner	Passionate Penny Pincher Planner	Papier Hardcover Planner	Hobonichi Techo A6	Smythson Soho Agenda	Agendio Planner	Laurel Denise Mini Planner
Price	$45	$30	$35	$150	$50	$25
Checklists	Yes, customizable	No	No	No	Yes	Yes
Budgeting Pages	Yes	No	No	No	Limited	No
Sticker Sheets	2 sheets	1 sheet	1 sheet	1 sheet	1 sheet	1 sheet
Bible Verses	Yes	No	No	No	No	No
Meal Planning Space	Yes	No	No	No	No	Limited
Durable Binding	Gold coil binding	Sturdy binding	Sturdy binding	Sturdy binding	Customizable	Sturdy binding
Monthly Overview Calendar	Yes	Yes	Yes	Yes	Yes	Yes
Weekly Checklists	Yes	No	No	No	Limited	Limited
Notes Pages	Yes	Limited	Limited	Limited	Yes	Yes
Seasonal Checklists	Yes	No	No	No	No	No
Personal & Family Pages	Yes	No	No	No	Limited	Limited
Goal Setting Pages	Yes	Limited	Limited	Limited	Limited
Removable Tabs	Yes	No	No	No	Customizable	Limited
Digital Version Available	Yes	No

The Most Expensive Competitor: Smythson Soho Weekly Agenda

• Price: $150
• The Smythson Soho Weekly Agenda is known for its luxurious design and high-quality materials, making it a premium choice for those who value elegance and craftsmanship.

Passionate Penny Pincher Planner vs Smythson Soho Weekly Agenda (Most expensive)

Here’s a direct comparison between the Passionate Penny Pincher planner and the Smythson Soho Weekly Agenda:

Feature/Planner	Passionate Penny Pincher Planner	Smythson Soho Weekly Agenda
Price	$45	$150
Material Quality	Sturdy paper with colorful cover	Crocodile-embossed calf leather
Layout	Monthly, weekly, daily checklists	Week-to-view layout
Notes Pages	Yes	Yes
Paper Quality	High-quality smooth writing paper	Gilt-edged Featherweight paper
Personalization Options	None	Up to 15 characters
Silk Lining	No	Yes
Durable Binding	Gold coil binding	Sturdy binding
Monthly Overview Calendar	Yes	Yes
Weekly Checklists	Yes	No
Sticker Sheets	2 sheets	1 sheet
Bible Verses	Yes	No
Meal Planning Space	Yes	No
Goal Setting Pages	Yes	Limited
Removable Tabs	Yes	No

Why Buy the PPP Planner

• Comprehensive checklists streamline your tasks.
• Unique budgeting pages help manage finances effectively.
• Inspiring Bible verses provide daily motivation.
• Meal planning space simplifies grocery shopping.
• Durable design ensures longevity throughout the year.

Testimonials on Effectiveness

• “Since using the PPP planner, my family meals are planned weeks in advance!”
• “The budgeting section has helped me save over $200 this month alone!”
• “I never miss an appointment anymore; this planner keeps me on track!”

Why Not Buy the PPP Planner

While the PPP planner has many advantages, it’s essential to consider potential drawbacks:

• Some users may find it too detailed if they prefer minimalist designs without extra features like meal planning or Bible verses.
• The price point may be higher than basic planners that lack these specialized features.
• Users who are accustomed to digital planning might find transitioning to a physical planner challenging.

Start 2025 With A Written Plan

Don’t miss out on the opportunity to transform your planning experience! Buy your Passionate Penny Pincher planner today and take control of your organization and budgeting like never before!

Imagine a busy mom named Sarah. She juggles work, family, and personal goals, often feeling overwhelmed. One day, she discovers the Passionate Penny Pincher planner. Intrigued by its checklists and budgeting features, she decides to give it a try.

As Sarah starts using the planner, she finds herself checking off tasks and tracking her spending with ease. The Bible verses inspire her during tough days while meal planning helps her save time and money. With each passing month, Sarah feels more organized and empowered.

Her journey with the PPP planner transforms her daily routine into a well-oiled machine. Friends notice her newfound confidence and ask for tips. Sarah happily shares her experience, encouraging others to embrace the planner that changed her life. This is not just a planner; it’s a companion in her journey towards balance and fulfillment.

Get the planner now.

---

Here’s what to expect from my upcoming podcasts about Mary from the point of view of Christians at around year 600-700 AD.
Why is the year important?
No Protestant Reformation for another 700 years.
New Testament just formulated/compiled 200 years before this time.
In this time, there was both the completed OT and NT Bible and the Church.

Council of Rome	382 CE	Pope Damasus I’s council issued a biblical canon that included the New Testament books.
Synod of Hippo	393 CE	First formal acceptance of the 27 books of the New Testament.
Council of Carthage	397 CE	Affirmed the canon established at Hippo, solidifying the list of New Testament books.
Council of Carthage	419 CE	Reaffirmation of the New Testament canon, with some texts like Revelation being included.

The podcast is the complete text of a sermon by Saint John Damascene from around 750 AD, celebrating the Dormition (death and assumption into heaven) of Mary, the mother of Jesus. The sermon beautifully describes Mary’s death and her assumption into heaven and explains why she deserves to be honored as the mother of God.

1. Mary’s unique role as the mother of God and virgin
2. The gathering of apostles and saints at Mary’s deathbed
3. Description of Mary’s peaceful death and farewell
4. The procession and burial of Mary’s body in Gethsemane
5. The miracle of the skeptical Jew whose hands were paralyzed
6. Mary’s assumption into heaven after three days
7. The significance of Mary’s tomb as a place of healing
8. The importance of virtuous living to receive Mary’s grace
9. The parallel between Christ’s resurrection and Mary’s assumption

Podcast coming up soon!

Here are Lighter Sins but Still Sins, since the requirement for Plenary Indulgence is removal of the ATTACHMENT to sins and not just "not committing sins." So you should still avoid these:

ALL IN THE MIND SINS (NO ACTION BUT YOU THINK IT)

1. No Other Gods
   Thinking that money or fame is more important than God.
2. Using God’s Name in Vain
   Casually saying “God” when upset or joking, not treating it with respect.
3. Not Keeping Sunday Holy
   Forgetting to think about God on Sundays and treating it like any other day.
4. Dishonoring Parents
   Having negative thoughts about your parents or not appreciating what they do for you.
5. Murder
   Feeling angry or wishing harm on someone instead of resolving conflicts peacefully.
6. Adultery
   Fantasizing about someone who isn’t your spouse instead of being loyal.
7. Stealing
   Thinking about taking something that isn’t yours, even if you don’t act on it.
8. Bearing False Witness
   Spreading rumors or thinking unkind thoughts about others without knowing the truth.
9. Coveting Your Neighbor’s Spouse
   Daydreaming about being with someone else’s partner instead of being happy with your own spouse.
10. Coveting Your Neighbor’s Goods
    Constantly wishing you had what others have, leading to feelings of jealousy and discontent.

ACTION SINS BUT NOT CONSIDERED HEAVY (No murder for example)

1. Worshiping Other Gods
   We might focus too much on games or celebrities instead of God.
2. Using God’s Name Wrongly
   We say "[Hmm Curse Word or OMG or OH MY GOO___]!" casually, which isn’t respectful.
3. Not Keeping Sunday Special
   We forget to rest on Sundays and treat it like any other day.
4. Not Honoring Parents
   We talk back to our parents instead of listening to them.
5. Killing
   We think of mean things about someone instead of being kind.
6. Adultery
   We might have a crush on someone else while you’re married..
7. Stealing
   We borrow things without asking or take food without permission.
8. Lying About Others
   We tell little lies or spread rumors about people.
9. Coveting Your Neighbor’s Spouse
   We feel jealous when we see someone else’s happy relationship.
10. Coveting Your Neighbor’s Goods
    We want our friend’s "toys" and feel bad when they have fun with them.

Read more about how to apply this in Plenary Indulgence in : https://jomar.club/laguna-jubille-churches-2025/

Pope Francis’s Prayer Intentions for 2025 Jubilee Year, Plenary Indulgence Requirement

JAN: Pope Francis’s Prayer Intentions for 2025 January
For the right to an education
Let us pray for migrants, refugees, and those affected by war, that their right to an education, which is necessary to build a better world, might always be respected.

February – Pope Francis’s Prayer Intentions for 2025

For vocations to the priesthood and religious life
Let us pray that the ecclesial community might welcome the desires and doubts of those young people who feel a call to serve Christ’s mission in the priesthood and religious life.

March – Pope Francis’s Prayer Intentions for 2025

For families in crisis
Let us pray that broken families might discover the cure for their wounds through forgiveness, rediscovering each other’s gifts, even in their differences.

April – Pope Francis’s Prayer Intentions for 2025

For the use of the new technologies
Let us pray that the use of the new technologies will not replace human relationships, will respect the dignity of the person, and will help us face the crises of our times.

May- Pope Francis’s Prayer Intentions for 2025

For working conditions
Let us pray that through work, each person might find fulfilment, families might be sustained in dignity, and that society might be humanized.

June- Pope Francis’s Prayer Intentions for 2025

That the world might grow in compassion
Let us pray that each one of us might find consolation in a personal relationship with Jesus, and from his Heart, learn to have compassion on the world.

July- Pope Francis’s Prayer Intentions for 2025

For formation in discernment
Let us pray that we might again learn how to discern, to know how to choose paths of life, and reject everything that leads us away from Christ and the Gospel.

August- Pope Francis’s Prayer Intentions for 2025

For mutual coexistence
Let us pray that societies where coexistence seems more difficult might not succumb to the temptation of confrontation for ethnic, political, religious, or ideological reasons.

September-Pope Francis’s Prayer Intentions for 2025

For our relationship with all of creation
Let us pray that, inspired by Saint Francis, we might experience our interdependence with all creatures who are loved by God and worthy of love and respect.

October-Pope Francis’s Prayer Intentions for 2025

For collaboration between different religious traditions
Let us pray that believers in different religious traditions might work together to defend and promote peace, justice, and human fraternity.

November-Pope Francis’s Prayer Intentions for 2025

For the prevention of suicide
Let us pray that those who are struggling with suicidal thoughts might find the support, care, and love they need in their community, and be open to the beauty of life.

December-Pope Francis’s Prayer Intentions for 2025

For Christians in areas of conflict
Let us pray that Christians living in areas of war or conflict, especially in the Middle East, might be seeds of peace, reconciliation, and hope.

For more on Plenary Indulgences, listen to the Family Catholic Discovery Podcast at Https://jomar.club/podcast
For more on Plenary Indulgences, read my essays at Https://jomar.club