I can take this statement in two ways - I am on payment holiday, not getting any salary from work till the 5th of December because of my month-long unpaid leave. That's the bad part. There's the good part, though. I was granted a payment holiday from my insurance-investment policy from Sunlife Philippines! This is really a blessing for me because I have absolutely no way of paying off my quarterly bill. Thank God my fund value has increased to a point that it can cover this quarter's payment. My agent has been kind enough to explain these things to me ( annuity explanations and all that). Bottom line: I don't have to make a payment till January 2010! The more I look, the more I see positive things happening around me. As little as they may seem, the overall impact is towards a better future. Happy (Halloween) weekend to all of you!