Difference of Successful and Unsuccessful People's Crying Behaviour

Successful people cry too but... 

Crying..an inevitable action due to an overwhelming emotion that people is experiencing. 

Successful people do cry. A lot of times, I bet. Along the path of success they surely meet failures, unforeseen events and all kinds of people. People that may cost them failure, debt or worst...bankruptcy. Imagine, how hard it is that you and your company failed not because of you but because of the people around you. Whose tears will not drop to this kind of situation? 

So what's the difference? Successful and unsuccessful crying pattern. 

Successful people cry and wipe their tears. They create new opportunities for themselves and build another road armoured with the lessons from the past failures and problems. They attract new team consisted of right people with right attitude and same goal that they have. 

While the unsuccessful ones keeps on crying. They do drama in front of people who have the same wavelength they have, to venture out pity from them. They inculcate in their brain that they do not have a mistake and it was all other's fault. They play the blame game. Yes, they have a team too! A team that the main goal is to remain on the situation they are currently in. They will keep you comfortable staying in that circle and will keep on telling you that people are bad and you are the good one. They celebrate a "pity party". 

And on that, they are willingly not taking a chance to change themselves for betterment. They just stay at the mud that keeps on swallowing their whole being. 

While the successful people already moved-on on their crying moments, here they are miring people who have goals in life. While the successful people already working on their way up, this losers are working to spread gossips. While these successful people envisions how to help others, these unsuccessful group thinks what is in it for me. While the successful people are eyeing for a prosperous future, here they are still staring at the past and keeps murmuring to themselves how poor, unlucky and how tough life is. Oooh! They are fond of getting negative vibes. 

STOP THE DRAMA! You are not paid nor your life can't be better when you cry! STOP crying just to get sympathy from others. STOP IT AND MOVE ON! 

FREE (WordPress vs Blogger) or PAID Web Hosting

We were instructed to buy a domain name and register for a hosting site before we step our foot to Peng Joon's Internet Income Intensive seminar last January 2016 here in Singapore. And after that 3-day event, I am ready to grind, but my inner me is yanking that I do not need paid hosting sites to build up a new blog. I keep on thinking about it for days..and days. My husband is in full support and even my friends who have their own sites agreeing what Peng Joon taught us that we need a paid hosing site. BUT I cannot shake off the fact the mission I am in. The mission to help people in getting their own site for few bucks or no cost at all.

Then, I talked to my very close friend who have no idea about building sites, SEO and whatever. I talked to an outsider of the business. And truth slapped me to the face when she stated insights about blogging. And on that, I decided to dig deeper. While in limbo of this immensely complex world wide web, I cannot suddenly log-in on my HostJill account, send them email about it but took for almost one day for them to acknowledge my case. I take it as a sign, instantly e-mailed HostJill to refund the hosting I have paid and decided to stick to Blogger.

Why? Many well-known people in blogging world that will recommend or push you to get a hosting site, that is in fact they are affiliated with. Yes! They are earning from every signup. They will drag you the issues about uncertainty on security, reliability, storage, support and assistance and many more. And to repel those problems that may occur, go for the best companies that hosting sites, Blogger (by Google) and WordPress.

Do you think Google will allow to breach your security? Do you think Google will leave behind their own Blogger in search engine ranking? Do you think Google will compromise its name because you are not paying them? Well, think again!

And that made me decide to stick to blogger. Yes, I am talking about our blogspot accounts. Not WordPress. Why? Below are their differences:

Blogger vs WordPress.Org

We are more inclined to help people via the reviews were are taking. My husband and I, maybe like you, have been victim of a hype done by some paid bloggers to advertise/promote some businesses. (Do not get us wrong, we are not resentful towards them, we do also have offers for paid blogging and conjugally we refused) In truth, we believe more on the reviews of non-celebrity blogs than the famous bloggers.

I hope this insight will somewhat open up new ideas whenever you have the plan to build your own site.

Have a great day ahead guys!

Why We Do Not Buy/Invest Condo/House & Lot in Philippines For Our Own ?

Eh bakit nga ba?

2007 pa lang, I am on a hunt to buy a piece of property. Nag-scout ako ng bahay at lupa and condo, kaya masasabi ko na medyo exposed na ako to this kind of matters.

On viewing day of a certain condo sa may Taguig area. Tinanong ko yung ahente. "Paano kung nasunog, lumindol, or kung ano pa man ang mangyari at bumagsak ang building. Paano yung property? Itatayo nyo ba ulit?" She answered me back with a shocking truth about condominiums. "Nope. Ibebenta ang lupa at paghahati-hatian ng mga owners and pinagbentahan." Ang swerte mo na nun kung mag-breakeven kayo sa pagkakabili mo ng condo + association fees + yung pagkakabili mo sa kakarampot na space for garahe ng sasakyan mo + obligatory insurance + real property tax ng unit mo at common area. Oo, isama mo na ang halos kulang na Php25,000 sa installation ng Meralco and Maynilad. Meron pa! Ang transfer of title (arghhh). So from that day, nawala na sa vocabulary ko ang salitang "condo".

At isa pang tumanim sa utak ko na sinabi ng nanay ko ay "Ma, lupa. Lupa ang bilhin mo." Kaya nag-hello ako sa idea na House & Lot. Tama House and Lot. Hindi lot lang. Bakit kamo? May mga kakilala/kaibigan ako na napasubo sa mahal ng gastos nila sa pagpapatayo ng sarili nilang bahay at binalasubas pa sila ng architect and contractor nila. Andyan crack agad ang sahig at dingding, tumutulo agad ang mga pipes, at iba, after matayo yung pundasyon, iniwan na lang ng contractor. May sahig, may bubong, may dingding pero walang finishing. Kaya talaga yung iba, mababaon sa utang mapatapos lang ang "dream house" nila. Pero hindi sumagi sa isip nila na yung dream house nila ang magbibigay ng bangungot sa kanila sa walang hanggang pagbabayad ng mga nautang nilang pang-pondo.

Ngayon na alam ko na matagal na gusto ko ay bahay at lupa. Bakit di pa nga ba ako nakakabili? Ang totoo nyan...wala pa kaming budget na mag-asawa para dyan. Pero do not get me wrong. Naka-pagscout na kami and nakita na namin ang gusto naming bahay. Alam na namin ang presyo and based sa computation namin sayang ang pera. Haha.

Bakit sayang eh para sa amin naman yun? Kasi pag binili namin yun, wala na kaming pang-fund sa mga investments namin. Ayaw namin na nakatira nga kami dun sa pangarap namin na bahay pero kailangan namin magtrabaho ng 20 years just to pay it off. Ayaw nmin matulad sa iba na nung nawalan na ng trabaho eh nahinto na sa pagbabayad ng bahay..ayun na-remata ng bangko ang bahay at lupa na tanging pinag-ukulan nila ng pagod.

As of now, we are focusing on our cashcows. Investments that will work for us to fund our dream home.

Para makatulong sa inyo makapag-decide kung kaya nyo na ba bumili ng property ngayon, tanungin nyo ang sarili nyo ng ganito:
   --> Sa bahay/condo ba na gusto ko ay may ipon na ako worth 30% ng ng kabuang value property, Bakit 30% ito ay sasagot sa downpayment at may pang-buffer pa kayo kung may singilin man sa inyo na miscellaneous cost.
   --> Yung monthly na hulog ninyo ay hindi lalampas sa 30% na take-home pay po. Bakit? Di pwede na halos buong sahod mo ay pangbayad mo lang buwan-buwan. Paano ang pangkain mo? Pambayad sa bills at pamasahe mo papunta sa opsina? Sige nga?
   --> Kaya mo ba magbayad kahit mawalan ka ng trabaho bukas?(Huwag naman sana) Paano kapag nangyari yun? Bebenta mo ng palugi?

Mag-isip mabuti tayo mga kababayan kung kaya na ba bumili ng condominium/house & lot. Ito ba totong maging "dream come true" sa inyo or magbabaon sa inyo sa utang.

Peng Joon's Internet Income Intensive Singapore 2016 - Frankly Speaking

Peng Joon

Here ye! Here ye! Yes! I attended the Internet Income Intensive of Peng Joon that costs S$2136.72 in a three-day event that started January 2.

I never heard of him until I attended the Masters of Wealth last 2015. But because of Peng Joon's story (yes that captivate story) I was enticed to sign-up.

Let's cut to the chase. What I have learned and my comments on each.
* Peng Joon will teach you what niche market you need to tackle. <This is why some people stop before even starting because they do not know the niche they will be making>
* He will teach you what is the "pyramid" in creating your information product. <Good thing you can copy his blueprint>
* You will learn how to build a website, how to put an eBook and receive your first sale. <Too many tutorials now in YouTube will teach you how to do that for free>.
* On-Line Marketing  <To use free and paid marketing sites>
* Being confident on yourself specially in front of the camera. <I needed this>
* How to earn online? By your own product and by selling other's. <Be an affiliate>
* The workshop will mainly teach you and give you mindset that you need to be out there and HELP people. Yes! HELP! Not chase money.

Elisha Hong

So? Is the workshop worthy? Yes and no. Yes, if you are really cut-out to do an online selling. And you are eyeing to work your a$$ off in front of your laptop screen.

When the seminar ends, I realized that I am just a small speck of particle floating in a World Wide Web. Never opened our 90-day workbook and sent an email to my hosting site to cut-off the billing and refunded the full amount. Specially when I saw my cousin's website. She built it from the ground up just by watching YouTube. No. If you are a negative thinker. (D@mN! I'm overwhelmed with negative thoughts).  No, if you are already a pro.

After 3 months of battling with my mind that I can't do it and nobody will stumble on my website, the positive part of my mind kicked-in and ideas and good thoughts were produced. Now I am running things step by step and I know my own story and experiences can help people in sense of their relationships, money and traveling on budget in Singapore.

In conclusion, thanks Peng Joon! One day...

For those who want to attend his seminar but because of monetary constraints, you can register here for 2016 Online Money Making Program for the fraction I paid for III Program. 

What Is The Best Investment (Paper Assets) For Me?

So ano? Tapos mo na baguhin ang mindset mo regarding sa pera, cleared out na lahat ang pagkakautang mo, may ipon ka na that will serve as your emergency fund (6-8 months worth of your monthly expenses), you are well protected by insurance.. Very good kung sinunod mo ang step-by-step in building a strong financial foundation. Ano na ang next step? INVESTMENT.  "I am investing in stock market", ang sexy pakinggan no. Ang sikat mo nun pare, feeling iba ka pag sinabi na 'investor' ka. Pagtuunan natin ng pansin ang paper assets. Paano mo nga malalaman ano ang best for you.. Direct trading ba to PSE o dadaanan tayo through mutual fund companies or banks for UITF.  Pakibasa ang chart below. Sana makatulong sa pagdedesisyon ninyo sa pagpasok sa mundo ng investing. From there makakapag-decide ka kung ano ang pwede sayo that depends sa schedule at sa risk appetite mo.  Click to Enlarge Image Kung makikita nyo, TIME ang unang-una mo dapat malaman. Meron ka bang sapat na oras na pwede ilaan para magbasa, mag-aral at umattend ng seminars para matutunan ang pasikot-sikot ng paper assets. Meron? Good for you. Ano pa inaantay mo? Magbukas ng COL Account.  Wala kang time? Di mo kaya i-give up ang panood ng telenovela or 3 accumulated hours na pag-fafacebook/twitter? Pero mataas ang risk treshold mo. Yung tipong makakatulog ka ng mahimbing kahit pulang-pula na ang merkado. Walang problema, the fund managers ng mga mutual funds at UITF are there to trade/invest for you in equity funds. Open an account and then its up to you paano mo dadagdagan ang investment mo. Walang tatawag sayo na due ka na or kailangan mo magtop-up. Pero tandaan mo the more you put in eh the more you can withdraw balang araw.  Hindi ka Risk-Taker? Gusto mo sigurado na tutubo ang pera mo in a long run (5-10 years) na higit sa interest rates ng savings account ng mga bangko. Go for bonds.  Eh you do not have time but you want to trade directly sa Philippine Stock Exchange. Kasi nga naman ang lakas makahatak ng chiks at ng mga fafa pag nalaman nila na you are a stock market investor. Pwede mo pa din pasukin ito. CitisecOnline have a certain page na nagsasabi kung ano ang magandang bilhin for that week, ano ang buy below price at ang selling price nya. And the best dun that advise is for free.   Tandaan huwag mag-loloan para lang pangumpisa ng pan-invest. Hindi maganda. Pangit yan sa feng shui. Haha! Joke lang po. Huwag mangungutang para lang pumasok sa stock market. Tandaan kahit si Madam Auring di kayang hulaan na tataas o babagsak ang bawat shares sa araw ng bukas. Wag maglaro sa stock market ng walang sapat na kaalaman. Kakainin kayo ng buhay nun. Hehe!

Ang Anak ay Hindi Obligasyon ang Magulang

"Kayamanan ko ang mga anak ko.", madalas mo yan maririnig sa mga magulang. Sarap pakinggan diba? Eh ito?.."Pinag-aral ko kayo, ngayon na may mga trabaho na kayo magbayad na kayo sa amin ng nanay/tatay ninyo!"...Anong magiging reaction mo? 

Ang ibang magulang "utang" pala ang dating sa pagpapalaki ng anak. Kaya pala nag-anak ng madami para yung mga yun na ang bumuhay sa kanila at sitting-pretty na lang pag nagsipaglakihan na ang mga junakis nila. So paano naman ang kinabukasan ng anak? Wala na din? Lahat mapupunta sa magulang at pagpapalaki ng sarili nilang mga anak. They do not have capacity to plan and invest for their own retirement. At pag sila naman tumanda, it is either they will work on their entire life or aasa sa maliit na pension ng gobyerno o aasa sa mga anak. And the cycle goes on and on and on.

May naririnig pa nga ako, high-school palang sinasabi na sa anak na dalin sila sa ibang bansa, bilan sila ng sasakyan o ng bahay. Hindi naman masama mangarap ano po? Pero nagbibigay tayo ng maling isipin. Namumulat na ang mga bata na kayo bilang parents nila eh dedepende nyo ang mga naudlot nyong pangarap sa mga anak ninyo. Meron nga ako kaibigan, ang tagal bago nakapag-asawa dahil di pa daw tapos ang ang obligasyon nya sa pamilya nya. Lumagay kaya kayo sa ganong sitwasyon? Ang bigat ano po? Bigat na dalahin. Yung isa naman nag-abroad at nung gusto ng umuwi ng babae ang sabi sa kanya ng nanay nya "Anak, dyan ka na muna, di pa natin kaya na sama-sama tayo dito." Pasan mo ang daigdig lang ang tema pag ganyan ang maririnig mo. Nakakaiyak pero reality po yan. 

Naalala ko ang sabi ng tatay at nanay ko palagi "Obligasyon ng magulang ang mga anak. Pero ang anak eh hindi obligasyon ang magulang". Nakinkil sa mga isip nming magkakapatid yun. Sa ilang taon ko na nagtatrabaho kahit kelan di ako hiningan ng singko ng magulang ko. Hindi ako binigyan ng obligasyon o tinokahan sa bahay. Nagbibigay ako kung ano lang ang kaya ko. Pero nung nakapag-abroad ako, monthly may Php3,000 sila sa akin. Malaki o maliit? Yun ang di ko alam. Pero alam nyo tuwing nagigipit kaming mag-asawa nakakahiram kami sa knya ng daan-daang libo. At sinasabi ng tatay ko, "Yan ang pinapadala nyo, iniipon ko." 

Hindi ko sinulat ito para inggitin kayo dahil ganito ang mga magulang ko. Sinulat ko to para magmulat sa atin na sana pag naging magulang na tayo, eh wag tayong maging pabigat sa mga anak natin kapag may kanya-kanya na din silang pamilya. Ngayon palang magplano ng maayos para sa anak at para sa sarili. Baguhin natin ang mga dating papananaw na ngayon eh nagdudulot ng mga malaking di pagkaka-unawaan. Minsan sa madalas eh nagiging away ng mag-asawa or ng magkakapatid kung sino at magkano ang magbibigay para sa monthly expenses ng magulang.

Sa mga anak naman, hindi ko to sinulat para maging balasubas. Magbigay ng naayon sa puso. Tandaan nyo ang unang utos na may pangako, "Mahalin ang mga magulang". Para sa mga nanay at tatay, huwag maging "magulang" o tuso, huwang maging tamad kundi maging maayos na ama't-ina sa mga supling. 

100% Examination ng Balikbayan Box. Anong Totoong Nakakatakot Dun?

Alam po namin na ginagawa lang ng mga kababayan nating mga taga-Bureau of Customs ang kanilang mga tungkulin. Hindi po sa ayaw sumunod ng mga OFW sa batas, ang problema po eh di po pinapaalam sa mga tao ang batas na dapat naming sundin. 

Hangga't di pa po nailalabas ang revision na sinasabi nila for Customs Memorandum Order #79-90 ito po ang mga dapat alamin ng mga kapwa natin na nagpapabagahe:

Q: Bakit nga ba nagpapa-box ang mga OFW?

---> Alam ng lahat ng mga tao na normal sa mga OFW na magpadala ng box sa Pinas. At alam ito ng mga taga-Customs kaya nga sila gumawa ng batas regarding dyan para maiwasan ang smuggling sa bawat balikbayan box.

Q: Bakit ngayon lang naghihigpit?

---> Kasi po marami na ang nagsasamantala. May mga nagpapadala ng bawal katulad ng mga baril at kung anu-ano pa. Ito rin naman po ay para sa kapakanan ng buong bayan. Safety ng mga tao. 

Q: 100% Examination/Random Inspection nasa katwiran ba?

---> Opo, may katwiran. Nakasaad po yan sa 79-90: 3.3.1.

3.3.1 Regular Examination - where the Consignor's Export Declaration and Packing List is attached to the box/package containing the individual consignment/shipment, the assigned Customs examiner may conduct the examination at random and, thereby, make a speedy determination whether the contents correspond with the packing list.  

100% Examination - A thorough 100% examination shall be conducted where - 

3.3.1.1 The Consignor's Export Declaration and Packing List is not attached to the box/package; or

3.3.1.2 The consolidated shipment is covered by a duly issued derogatory alert/information; or when in the course of conducting the regular examination a violation/discrepancy is found which warrants the issuance of WSD, Provided that either case, the provisions of CMO No. 65-89, dated 12 July 1989, shall be duly and strictly complied.

---> May karapatan ang mga taga-Customs na halughugin kahit po ang conta-container na mga shipments lalo na po kung may Alert Order o ang Packing List/Invoice eh hindi tugma. 

Q: Ano ang dapat gawin para maiwasan na mapatawan ng extra duties and taxes? 

3.5 Limitations 

3.5.1 As to Value ---- U$500.00

3.5.2 As to Quantity 

3.5.2.1 Foodstuffs such as canned goods, grocery items, etc. ---- 1 dozen a kind

3.5.2.2 Wearing apparel and clothing material not exceeding 3 yards per cut, whether used or new ---- 1 dozen of a kind 

3.5.2.3 Other household personal effects, whether used or new ----- 1 dozen of a kind 

3.5.3 Number of box/packages ----- 1

3.5.4 As to frequency --- One individual consignment per consignor/sender during 6-month period. 

Provided that, home appliances, whether used or new, shall be disallowed, and provided further that, any consignments/shipment entered in violation limits herein fixed shall be automatically be subjected to seizure proceedings without prejudice to the cancellation/revocation of the certificate of registration of Freight Forwarder/Consolidator as well as cancellation of the accreditation of the Breakbulk/Consolidation Agent;

Provided, however that in case of consolidated shipments consisting of personal and household effects and used home appliances belonging to returning Filipino residents and overseas contract workers, and accompanying them to their return or arriving within a reasonable time, the privileges granted under Executive Order No. 206 dated June 30, 1987 subject to the conditions hereunder shall remain granted to Filipinos coming to settle in the Philippines who are now residents or citizens of other countries under existing laws with respect to their personal and household effect accompanying them on their return or arriving within a reasonable time shall in no way be prejudiced by this Order, and Provided finally that the overseas Filipinos is advised to avail the privileges under R.A. No. 6788 that allows them to purchase good duty and tax free up to the amount of US $1,000.00 at philippine duty free shops once a year.  

---> Ang mga sumusunod po sa taas ang dapat tandaan. Halimbawa po hanggang isang dosena lang po ang pwede nating padala na corned beef, isang dosenang canned sausage, isang dosenang sabon at kung anu-ano pa. Ang lalampas po dun ay mapapatawan na po ng duties and taxes. Bawal na bawal po ang mga appliances. At ang mahuhulihan na mga forwarders, kapag ang kanilang senders ay lumalabag sa batas na ito, ay maaaring makansela ang mga accreditation to transact in Bureau of Cutsoms.

Ang mga sumusunod po ang dapat nating tuparin. Kung tayo ay susunod wala po tayong dapat ikabahala. :) 

Q: Pero ano nga ba talaga ang kinakatakot natin kapag binuksan ang mga box?

--->Ang nakawan. Kasi sa totoo lang, kapag sinabi na po ng forwarders natin na "binuksan kasi ng customs" at may nawala eh wala na po talagang mahahabol ang OFW. Kaya ang tanging maipapayo po dyan eh kumuha ng maayos na freight forwarders. Yung tipong tututok sa bawat bagahe na bubuksan, yung may malasakit sa mga kliyente nilang OFW. Kasi madalas pa sa minsan eh mga tao mismo sa loob ng freight forwarders ang nagnanakaw ng mga laman ng bagahe. 

Maging mahinahon tayo. Alamin ang batas. Pumili ng maayos ng freight forwarder. :)

A Man is NOT a FINANCIAL PLAN

At Manila South Port, Export Division.
Kuya: Balita ko may nanliligaw sayo.
Me: Dati kong boyfriend, Kuya.
Kuya: Anong trabaho?
Me: Engineer.
Kuya: Walang pera yun. Ang daming customs broker bakit hindi yun? Yung kasama ko dito sa opisina interesado sayo.
Me: Ayaw ko sa broker. Babaero! Haha!

Conversation with in-law:
Ate: Flavor of the month ka na naman dito. Ang talino mo daw kasi malaki sahod ng pinakasalan mo.
Me: Haha!

In two above conversation, alin ang tingin ninyo na totoo? Sasabihin ko sa inyo, both of those ay totoo.

Sabi nga nila isang buwang sahod ng engineer eh isang lodgement lang ng import declaration naming mga broker. Allowance ng engineer for his monthly expenses eh isang gabing pang-inom lang ng accredited licensed customs broker. At talagang naputanayan ko yun sa first date namin. Kung ang mga ibang suitors ko nuon eh sa mamahaling restaurant ako dinadala, aba first date nmin ni Abbey McDonalds Trinoma. Pero do not get me wrong, hindi ko siya minaliit nun, natuwa pa nga ako kasi walang pretentions. First date, one point agad. :)

After ng around 6 months na ligawan, naging kami.

So nung mag-on na kami. Meet-the-parents and the whole family na ang arte. And I am so shocked ng kausapin ako ng mama nya. Sinabi ng mama nya "Alam ko may kaya kayo, maganda stado mo sa buhay. Kami anak mahirap lang kami". And sinasabi nya yun while tears flowing. Kung di ko rin daw seseryosohin ang anak nya eh hiwalayan ko na agad. Gusto ko sana sumagot na "Tita, ako po ang babae. Tsaka di po ako namamanhikan." Haha. Nakakatuwa kasi they are so transparent. Meet-the-fambam.. 2 points.

So dun na ako nagtatanong about his career plan. He deliberately answered me back na ayaw niya ng promotions because ayaw niya ng responsibility and walang katapusan na meetings. On 2008  I am already a supervisor. So I know how it feels to be on a higher ground.

He went to Singapore, we got married and little by little I instilled to his mind how good it is to be promoted. What are the pros to be managements' apple of the eyes and leading the team to what is good for the company.

Yang paliit-liit na salita na yan minsan napupunta sa pang-iirap. And lucky some of the books he have read taught him and backed me up of the idea. Heaven conspires and the right time came to Abbey.. Taas rango-taas sweldo.

Yes, I am that wise to choose Abbey to be my partner. Because I see in him the potentials well-hidden in a box of insecurities. I see in him his value that he never knew. I see how knowledgeable he is in managing people when he was described by the men and women around him.

Yung taga-Customs na nagsabi na wag si Abbey ay ginawa naming ninong sa kasal and on some kamustahan...
Kuy Ninong: Bilib ako sayo tahimik lang pero may napupundar na kayong mag-asawa.
Me: Kailangan po eh.
Kuya Ninong: Power Couple kayo iha!

Be the King and Queen of each other and together build your empire. Happy 4th Year Wedding Anniversary Baby!

Financially-Happily Ever After

Madaming tao nagtatanong sa akin ano ang tingin ko sa kanilang mga problema sa puso. Hindi as sakit ha kundi relasyon sa knilang mga boyfriend/girlfriend o mga asawa. Nuon ganun lang. Ngayon dahil malamang lahat ng kakilala ko ay may mga asawa na, hindi maiiwasan na tanungin din nila ako ng mga usapin tungkol sa budgeting nmin mag-asawa. 

Nung nag-share ako ng pasasalamat sa Financial Group 2nd Anniversary year-end party, yung iba nagulat nung sinabi ko na kanya-kanya kaming hawak ng pera ni Abbey. Hindi na yun bago sa mga talagang malalapit sa amin. Pero syempre yung mga kakakilala pa lang eh bukod sa gulat eh madami din tanong. Tulad ng... 
1. Paano mo malalaman kung sobra na ang pinapadala ng asawa mo sa pamilya nya
2. Paano mo malalaman kung anu-ano pinagkakagastusan ni mister. 
3. Baka mamaya may kalaguyo na yan. Ikaw din. 
4. Sino ang nagiipon para sa future ninyo? 
At kung anu-ano pa. 

But for me financially-happily ever after evolves in different values of human. Basahin mo ung mga susunod at magkaron ka ng check-list. 

TRUST
I trust Abbey's decisions how to spend his hard earned money. My father even told me way back before "Ang asawa mo nagiisip bago gumastos."  He even have an app to monitor his monthly expenses. 

"Nakapagpadala na tayo para kila papa.", monthly yan na maririnig ko sa asawa ko. Pag hindi nya nabanggit for 1st week ako na magtatanong kung naitransfer na nya na ba ung para sa kanila.Sa side ko? He knew it all. We only have one account in remittance center and it was named after him. So, every month when I am giving money for my dad and mom's monthly allowance he is always asking "Hindi mo dadagdagan?". 

Diba? Sarap ng mga ganyan klaseng tanungan? Kaysa sa "Nagbigay ka na naman sa pamilya mong batugan!". Haha! 

HONESTY
Maging tapat sa isa't-isa kung magkano ang pumapasok at magkano ang lumalabas. In that way, you and your spouse can both adjust. Baka kasi yung partner mo buong katawan at utak ay pagod na pagod na kakatrabaho para kumita ng pera, ikaw naman bili dun at kain dito ang inaatupag para lang may ma-ipost sa facebook. 

Alam ni Abbey ang sahod ko at ganun din ako sa sahod nya. Pero we do not get the habit na i-check ng i-check ang mga bank accounts ng isa't-isa. We know each other's passwords pero dahil nga walang dahilan para magsinungaling eh it is only a waste of time to see if the amount debited and payslip is totally the same. 

Na-save na ang oras ninyo wala ka pang sakit sa damdamin kakahinala. 

COMMUNICATION
Usap-usap din pag may time. Mali! Dapat laging magusap. 

Baka naman kaya hindi maaayos-ayos ang buhay ninyo kasi ayaw nyo upuan. Baka naman bubuka pa lang ang bibig ni mister para pagusapan ang gastusin eh nakasinghal ka na kaagad. 

Naalala ko ung housemate ng kaibigan ko dito sa Singapore nung tinanong niya ako about sa telenovela kung ano na ang nangyari. Sabi ko pasensya na di ako nanood ng mga drama. Ang point ko lang, imbes na ubusin niyo ang oras niyo pakikipagtitigan sa tv eh bakit hindi kayo mag-usap mag-asawa? At sana kapag mag-usap kayo eh magpakumbaba kung may mali man kayo at yung may tama naman ay wag maninigaw. 

Gawin nating lahat ng may pagmamahal. Alalahanin ninyo asawa ninyo ang kausap nyo hindi ninyo treasurer or sekretarya. 

HIYA
Mukha akong magastos pero kung kilala nyo ako eh sasabihin ninyo na "tsani" ako. Tulad ni Abbey bago ako bumili eh nagiisip ako ng madaming beses kung kailangan ko ba ang bagay na yun. Kung matipid ka hindi lang sa salita kundi sa gawa eh mahihiya ang partner mo na gumastos sa walang katuturan. 

Walanghiya din ako alam nyo ba yun? Si Abbey bago nagkaroon ng iPad/iMac madami akong tanong kung bakit nya kailangan. Makalipas ang 3 buwan pumayag ako at maraming kundisyon. Kailangan nya ma-100% ang exam nya at kailangan ay sa IT show namin bilhin para kung hindi man discounted eh madaming makuha na freebies. 

COMPATIBILITY
I am so blessed to have a husband which complements my goals in life. I am so blessed that I have my own cheerleader. Every time I lay a plan, he never tells a "no". He always tell na "I think this would be better."  

We both believe in investing and aiming for an early retirement. We are in the same page when it comes helping people in need and we learned to harden our heart when lazy people are asking for funds. Ayaw namin sana maging dahilan ng pag-aawayan ay pera. 

Dati tuwing magkukuwento ako gaano ako kaswerte sa asawa ko kasi mag-apat na taon na kami kasal eh wala pa talagang away na nagaganap sa amin; ngayon na-realize ko na may away na pala. Tinawagan ko siya sa trabaho nun at nanggigigil ko syang tinanong, "Nag-withdraw ako kanina, lumaki yung balance ng account ko. Dinagdagan mo na naman pera ko 'no?". 

Ang asawa ko nasa kabilang linya. Tumatawa. Ang cute-cute ko daw. Haha! 

We are both thankful to our parents who set good financial values in us. Kung nagkulang ang nanay at tatay mo sa pangangaral sayo about sa money management eh di pa huli ang lahat para matuto. 

Mas maigi ang magtanong kesa magmarunong. Kaya sana bago magpakasal eh mapag-usapan ninyo ang mga bagay na pinansyal. Makikita mo dun kung magiging asset ba ang magiging asawa mo or liability, magiging cheerleader mo ba sya o greatest critic, magiging masaya ka ba pagtapos ng kasal o kinabukasan pagtapos ninyong mag-"I DO" ay baon ka na sa utang. 

Isip-isip...

Tandaan, ang isa sa kadalasang dahilan ng paghihiwalay ng mga mag-aasawa eh pera. 

Kiyosaki's Cash Flow : The Missing Sector

A lot of people know the famous cash flow quadrant illustrated and made popular by Robert Kiyosaki. But if you do not know what is the meaning of the diagram above I will explain to you in the most simple way I can do.

Let’s start with the left side of the quadrant.. The Poor Side

E = Employee
We were trained in our schools to be a good employee. Am I right? I know I am right. Parents always tell their children to go to school, get high grades and you will land in a good job with high pay. I do not despise being an employee. I am also an employee until now. I love being in this sector. With ups and downs of the business I am still here and getting my monthly salary. But I need to sit in the office for 200 hours a month; take the commands of my boss, please the customers, cooperate with colleagues, beat deadlines, etc.. etc.. For me this is a challenge to conquer every day. And I am happy for the current company I am with.

But in this quadrant the earnings are restricted. Almost all time of your day was occupied by your job. You must work so you can earn.

What if you cannot work anymore?

S = Self-employed
This is where my siblings were trained for. They have their businesses. They are their own boss. Their income depends on how hard they work.

Multi-Level Marketing is definitely in this sector.

I tried to be like them and because I saw there is a lot of money to be harvested in there but in 6 months I surrendered. I had my own computer shop back then and even it is generating money I chose to close it down because I am not happy to be in there; totally tied up and doing all the necessary paper works and thinking how to get the business going. Stressful!

I will repeat my question from employee's group. What if you cannot work anymore?

Now, let's jump to the right side... To Rich and Financially Free Side

B = Business Owner
So what's the difference between self-employed and Business Owner? You are a self-employed if your business cannot run without you. Business Owner is a person whose business keeps going even without his direct supervision.

Sounds relaxing right? It is not hard to jump from the left side to this quadrant. It is so easy. You just need the proper knowledge in the business and get the most trusted people you know. Utilize their time and pay them for the work they have done for you and your industry.

How do I know it is simple. Me and my husband have rental apartment business in the Philippines. I asked my dad to work for me and pay him for every project we build. He supervises the construction and thinks how to lessen the expenses building them. My sister does the necessary paperworks in city hall, Meralco and Maynilad. My sister-in-law is hands-on when choosing the tenants, checking their monthly rentals, and getting all the problems that arises in the compound. All we do is sit here and wait for their monthly rental report. No stress! You help to give a living for others. Nice, right? To own a system?

I = Investor
In this sector, money is working for you. The best! Isn’t it? These are the people where compound interest is their best friend. Today it is easier to invest in real estate, stock market and bonds. Nowadays, many companies also offer mutual funds. But please be careful as a lot of scams ride the hype of investing. In this quadrant, you have more time to spend with your family. This is definitely a freedom we are looking for.


The cash flow quadrant is not just representing the flow of money coming in and out from the person, it also represents someone’s financial status. So I learned that there is a sector that Kiyosaki might missed out or just totally ignored it. Haha. It is the “U”.

U = Unemployed
Maybe Kiyosaki never include this sector because there is no inflow of money in this ring. But I want to highlight this status. Some are really unlucky and picky to land a job and some are very lazy to have one. And as my father always tells, if the people really wants to earn a living, there will always be a way. Unemployment is equal to laziness.

So please people! Wake up and work your a$$ off! Do not be a big liability to others.


Before the year ends, take some time to think over and start looking for opportunities for you and your family to go to the right side of the quadrant!  We can all do this! Pray and work hard!

Buying Speculative Stocks Is Dangerous To Your Wealth

"Nay bumili ako ng URC stocks." - "Maganda yan nak".

Social media hyped the investing in the Philippine Stock Market and that caused a lot of people jumped into it in the first quarter of January. The result? A bull run that caused a lot of people to invest more in a wrong way.

What were the mistakes they had taken? (These are the rants that my husband and I read from the different forums)
1. They invested money that they know they will need in a very near future. 
2. They invested on stocks via hearsays.
3. Had never read any books or attended seminars on how to create a margin of safety.
4. And the most hurtful to read was, they loaned money from a bank to ride the bull.

And now... many people are now cursing PSE. Many people swore that they will not enter any transaction in stock market.

My mom bought stocks back then, so I have some ideas on how to manage and make money from it. Until now they are encashing dividends.
I hope that when the bear knock-out the bull last May 2013, many investors and newbies learned from others' failures.

As per saying by  "Buying speculative stocks is dangerous to your wealth". 

Please let me know if you have good book to read for investing or I can share some of the books that my hubby and I already read, just drop as an email, we will check if we have that ebook for you.

My Card ... Our Best Friend

I know guys that you know that credit cards really create magic. Just a simple swipe all things you want will be instantly yours. But do you know many people now suffer because of using of those plastics and many are maximizing and enjoying having it? 

I am BDO credit card holder for I think almost 8 years but my credit limit never increased. I can feel their fury on me and I am loving it  haha. Every time I swipe my card, I see to it that I have already the money in my bank account. Why? I want the amount to stay there until end of month to increase the deposit and could make more savings interest. Then I
will pay it in full. No balances is equal to no interest, no extra charges and fees. I also demanded to waive off their annual fee, and they agreed. 

Here in Singapore, my husband have Citibank SMRT card. Since it is his first time to use one, I educate him how to manage it. With a good credit background many banks now offering him to get a loan which we always refused. We also received great points that we can redeemed for dining and grocery vouchers.

I treat my card as my best friend. Never borrow money unless really necessary and always pay all your debt or else the friendship will be torn and wasted. 

You? How do you treat your credit cards? If you don't want your life a living nightmare do not use your credit card to spend today your tomorrow's money.