Philippine Stock Market Price as of October 31, 2019

Kingkong vs Godzilla with Giganotosaurus and Ferdinand in Jurassic Desert

Today, I saw what seems to be a fight between Kingkong vs. Godzilla together with Giganotosaurus and Ferdinand while I was on my way to work inside our company service vehicle in the desert.

Oh my God! This seems to be a big fight of the 4 characters from the famous Hollywood movies. I immediately grab my phone and took a photo. It was like a scene in a Royal Rumble wrestling match. An exciting match!

It was just unfortunate that we were headed to work at that time and our vehicle was moving fast that I didn’t finish the match. Who do you think have won? I believe this is the greatest scoop of all time, as no one seems to notice the scene other than me. First time in the history of mankind where all of them meet to fight in what I called “Jurassic Desert”.

You can see in the picture that while Kingkong and Godzilla are challenging each other, far from them is Giganotosaurus who is approaching and roaring. While Ferdinand is like waiting for a chance to attack on the side. Kingkong seems to show his muscles to Godzilla as if he is yelling, “you can’t beat me”. Godzilla on the other side shows his power and strength and just waiting for Kingkong to attack him.

This is a great fight and better than the fight scenes you’ve seen in movies or anime. Just seeing their posture, one can tell that this is going to be a big fight and unending battle. The desert is wide enough for them and this is exactly the best place for them to fight. It’s like watching an all-star cast Royal Rumble in a wrestling match where all the players are strong and mighty. I don’t know about Ferdinand though LOL…Hahaha… I will cherish this picture as this is once in a lifetime opportunity for me and nobody else in this world has it except me. This is what they call a perfect picture at the right time in the right place. This is wow oh wow!!!

5 Ways on How to Overcome your Debt

Are you in debt now? Do you feel you can’t do anything about your situation? Do you think there is no hope for you to overcome your debt? Are you currently living from paycheck to paycheck or maybe you already have debts to pay even though you haven’t got your salary yet?

All of these are only in your mind and the right discipline to yourself is all you need. First of all, “mindset is the key to overcome every emotion”. If you set your mind that you think you can’t overcome your debts then you really can’t. Your life will be like a Ferris wheel, you just go round and round and round and nothing changes.

But if you set your mind that you can do something or somehow so that your world will not be in a circle around your debt, for sure you can do it. Our mind sometimes tricks us, we just need a little bit of diversion in the correct direction and right discipline.

Here are 5 ways you can do or think of for you to overcome the world of debt or what they called “rat race world”:

1. Where I Am

The first thing you need to do is you need to know where you are in terms of your financial status and your debts. List all the details of your debts in a clean paper or a notebook or your diary. You can also put it or type it on a computer or laptop if ever you have one so you can easily edit and print it whenever you want to. In this way, you can see clearly how much your debt is and to know how you can find ways to pay them. Listing your debts is a good habit because it organizes everything you do when it comes to your financial status.

2. Stop, Look and Listen

Stop

When you have a debt or deeply in debt, one thing you can do is to stop. Stop in the sense that, you should stop borrowing money. Because when you are in debt and you are not paying or partially you are paying it and then you borrow again money even though you haven’t paid the first debt yet, you are just burying yourself deeper into debt to the point that you cannot recover.

You need to stop borrowing money for now and focus on paying your debt. Another one you need to stop is your bad spending habits. Don’t buy things which you don’t need for now. Just like Warren Buffet had said, “If you buy things you don’t need, soon you will have to sell things you need”.

Patience is a big factor while you are in debt. If you can’t prevent yourself from spending money or buying things which are not useful for now, don’t spend it at all. This is also for you and this is just for the meantime while you still have debt.

Look

Try to look for ways you can do for you to pay your debts. If you’re jobless or just lose your job, you need to find ways for you to have a job. It’s from your job that you get money to pay for your debt. If you don’t have a job and you don’t have earnings then how can you pay your debt? The interest of your debts will just file up if you’re not paying for it or at least even the minimum.

Look for some possible ways where you can earn money or opportunities to add to your income. Try to look if you can sell some of your things in which you will not be affected even if you lose it. There is a site on the internet like Olx.ph, Sulit.ph, Muradito.ph, Buyandsellph.com, etc. wherein you can sell your second-hand items. In this way, you can earn extra income while you’re searching for a job.

You can also try reading some articles about the experience of those who are in debt and how they survive or how they paid their debts. There are so many people in the open nowadays that are sharing their experience while they are in debt and how they overcome it. This way, you can get some tips or strategies on how you can face all your debt. What you are experiencing now, others might have gone through that will be of big help for you. So that you will not be thinking anymore what you should do to pay your debt.

Listen

Listening is one of the best factors in many ways. Sometimes you don’t need to speak and all you need to do is to listen. Listen to the advice of your family, relatives and close friends about your debt or what they have been through that are related to debt. You can also ask them for some suggestions on how to overcome your situation. Sometimes listening is good because it sticks to your mind, all the pieces of advice on what they have experienced. One good thing you can do is listen to your instinct. Sometimes you can feel what is good or bad for you. Each one of us has its instinct that helps us in times we need to decide.

3. The Snow Ball and Debt Stacking Attack

Snow Ball

What is the “Snow Ball” attack in the world of debt? The “Snow Ball” attack is what they call in terms of debt, a way of paying your debts wherein the first you’re paying is the one that has the smallest amount. This is where the importance of what you did a while ago about listing all your debts comes in. List all your debts from the smallest to the highest. You then first pay your debt which has the least amount until you paid it in full then to the next higher amount up to the highest.

The purpose of paying first the smallest amount is to finish it one at a time that is not hard enough for you. When you paid or get over with paying your smallest debt, it gives you self-fulfillment and encouragement that you can overcome your debts. While you’re doing this, you don’t notice that little by little you’re paying your debts one by one until you finished paying them all. This is one good strategy of paying your debt because while you are paying your smallest debt you can have some extra money to pay your other debts so that you can easily finish paying them all.

Debt Stacking

What is “Debt Stacking”? Debt stacking, on the other hand, is the way of paying your debts wherein the first thing you pay is your debt with the highest interest. Unlike Snow Ball, here you will list your debts starting from the one with the highest interest down to the one that has the lowest interest. This is good if your debts came from credit cards you used. The more you pay your debts with the highest interest, the less interest you will pay in your succeeding payments. In this way, you can see what you are paying is getting less compared to that of your previous payments.

4. Change your Lifestyle

Another way you can overcome your debts is you need to change your lifestyle. If before you usually drink coffee at some expensive coffee shops like Starbucks and Costa Coffee or having that habit of eating at an expensive fine dining restaurant, you should change this for now that you are still in debt. This is just for the meantime while you are in debt and you can do this again when you overcome your debts. You can have your coffee in a non-expensive way like the 3 in 1 instant coffee. In terms of food, you should cook at home so you will not spend more than usual. It’s like your thrifty today to pay for your debts and when you finish your debts you can do again things like this because you know you have that extra money.

Don’t be so generous in times when you are in debt as if you won in a lottery and you have so much extra money to spend. Buy here, buy it there. Spend here, spend there. The best thing you can do is to make a budget so that you can track where your money is going. You can write this in a clean paper or like the list you prepared with debts, you can put your budget list in a notebook, diary or on a computer. Here, you can monitor the movement of your money and you can see things you buy which are not required for now. If you have a budget, you can spend your money wisely in the right way. This is a good habit to practice which can help you to discipline yourself with endless spending on those things that are not required.

One thing you can change while you are in debt is the tradition that when there is a party or occasion, we tend to show off even if you don’t have much money or you are in debt. What we do sometimes is we tend to borrow money to have an extravagant party which I think is not right. It is because you are just putting yourself deeper into debt. Your party seems extravagant and you made all your party-goers happy but then after that, you’re facing problems paying for the debts you owe for having that party. After the celebration, people who attended all have fun and are happy but you become sad and deeply in debt. As much as possible try to prevent borrowing money to have an extravagant party. You can do the occasion in a simple way that you don’t have to be in debt.

Always remember life is sweet and happier if you don’t have debts. It is different when you know you owe something or in debt. It adds to stress thinking about your debts and how are you going to pay them, what more if they have an interest and your debts have its due date. It means that day by day, weekly or monthly you are thinking about your debts. Isn’t that makes you stressed? If you can change your lifestyle now you should do it for you to get out of debt. You can see after you have paid all your debts, it will change your perspective in life. You will value every penny you’re earning and you will become more disciplined in which you can bring it in other aspects of your life.

5. Say A Little Prayer

One effective way for you to overcome your debts is by praying. Praying is one of the best weapons for so many things in life. This makes your mind more clear for you to face problems caused by your debts. They say, “Prayers Do Miracles” and this is true in so many instances. When you are praying, you feel much better and you tend to bring out emotions that are hiding inside you. It’s like you are voicing out to God all your problems that’s why you feel better after you prayed.

This will help you to become stronger and gives you a unique feeling that your debts or problems with your debts will have its solution. It is magical and can’t be explained that when we pray it makes us stronger that you can do everything when you know that God is there to guide you. Just trust that all your problems with your debts will have its answer at the right time and you just need to wait and do whatever it takes for you to overcome all the struggles that come to in terms of your debts.

Just always remember, while alive there is hope so just trust in God and yourself. If others can do, why can’t you? If you want it, you can do it!

Singapore Tour – Part 8: Universal Studios

Isa sa mga pinakasikat na puntahan ng tao sa Singapore mapaturista man o lokal ay ang Universal Studios. Maganda naman kasi ang theme park na ito at marami kang pwedeng gawin at pasyalan sa lugar na ito. Matatagpuan ito sa Resorts World Sentosa sa Sentosa Island, Singapore.

Itinayo ito noong April 19, 2008 at after 2 years ay nagbukas ito sa publiko noong March 18, 2010. Ito ang pinakaunang Universal Studios theme park sa buong Southeast Asia at ikalawa naman sa Japan sa buong Asya.

Bago ka pa makarating ng Universal Studios ay may makikita ka ng isang puno na punung-puno ng mga big round candies na nakasabit dito na parang mga bunga n’ya. Animo’y parang may larong pabitin at ang premyong makukuha ay ang mga candies sa itaas.

Bago ang entrance ay makikita mo na agad ang pamosong Universal Studios Globe. Halos lahat ata ng taong pumupunta dito ay hindi pwedeng walang selfie picture sa globe na ito kaya papahuli pa ba ako?

Universal Studios Globe

Sa main entrance ay madadaanan mo ang USS Entrance Archway at sa taas nito ay para kang papasok sa isang malaking kaharian.

USS Entrance Archway

Malawak ang entrance ng Universal Studios, siguro ay dahil na rin sa dami ng mga taong pumupunta dito at namamasyal. Kaya nga hindi na nagkasya sa larawang ito ang buong pangalan ng Universal Studios Singapore ng dahil sa lawak ng entrance nito.

Pagpasok mo ay sasalubong sa ‘yo ang magarang entrance na parte ng theme park na isang mala-Broadway style at Hollywood inspired architectures kasama na ang replica ng sikat na Hollywood Walk of Fame.

Hollywood

Makikita mo rin dito ang isang babaeng lookalike ni Marilyn Monroe. Pila ang mga nagpapakuha ng litrato sa kanya dahil talaga namang para mo na rin nakita ng personal ang sikat na aktres.

Marilyn Monroe

Isa sa mga mgagandang atraksyon dito ang Jurassic Park, ang pinaka-popular na film franchise na gawa ni Steven Spielberg.

Jurassic Park

Sa loob naman nito matatagpuan ang Jurassic Park Rapids Adventure’s final splashdown na talaga naman dinudumog ng mga tao lalo na ng mga bata.

Sa tapat naman ng Jurassic Park area makikita ang naglalakihang life size na mga dinosaurs. Para ka na ring nasa movie kapag nakatayo ka malapit sa kanila dahil sa malahiganteng itsura nila.

Nasa gitna nila ang kanilang mga itlog na aakalain mong binabantayan ng dalawang higanteng dinosaurs sa paligid nito. Nakakatuwa dahil para talagang totoong mga dinosaurs ang nasa tabi mo sa ganda ng pagkakagawa sa kanila.

Sunod na makikita mo naman ang historical adaptation ng Statues ng Ancient Egypt noong mga unang panahon. Sa sobrang lalaki ng mga istatwang ito ay para ka na ring dinadala o namuhay sa panahon ng Ancient Egypt.

Statues of Ancient Egypt

Sa Carter’s Curiosities mo naman makikita ang iba’t ibang souvenirs and replicas ng Egyptian treasures na binebenta sa loob ng retail outlet na ito.

Carter’s Curiosities

Isa pa sa main attraction sa loob ng Universal Studios ay ang Transformers. Isa itong 4-D Dark Ride Motion Simulator na isa sa mga hindi mo dapat palampasin na pasukin o subukan. Sobrang ganda ng 4-D effects na sinamahan ng ride-vehicle technology para maging isang thrilling ride experience para sa mga susubok nito.

Transformers

Nakatayo naman sa labas si Optimus Prime at nagbabantay sa mga taong papasok para sumubok sa transformer ride at magbigay seguridad dahil baka dumating ang mga Decepticons. Marami ang sa kanya’y nagpapakuha ng litrato dahil kung titingnan mo ay buhay na buhay ang kulay na para talagang yung nasa pelikula.

Optimus Prime

Mukhang may lakad ata si Bumblebee ngayon at naka-transform into Chevrolet Camaro. San kaya s’ya pupunta? Sayang at hindi s’ya naka-robot form ngayon pero kahit ganun ay maganda pa rin magpakuha ng litrato sa kanya.

Bumblebee

Isa naman ang Battlestar Galactica sa most thrilling adventure dito sa loob ng Universal Studios. Kaya hindi ko na binalak subukan pa ito dahil siguradong hilo ang aabutin ko sa ride na ito.

Battlestar Galactica

Halos mga kabataan ang mga sumusubok dito dahil na rin sa mala-inverted roller coaster ride na ito na talaga namang aatakihan ka sa puso sa sobrang thrill ng adventure na ito. Nakikita ko pa nga lang mula sa labas at naririnig ang mga sigawan ng mga kabataan eh parang hihimatayin na ko hahaha…

Ito naman ang Far Far Away Castle kung saan makikita ang iba’t ibang Shrek franchise na inspired at gawa ng DreamWorks Animation. Sobrang enchanting ang pakiramdam na para kang nasa isang Fairy Tale movie o isang animated movie kapag ikaw ay nasa loob nito.

Far Far Away Castle

Sa loob ng Far Far Away Castle makikita mo ang Puss in Boots’ Giant Journey. Isa itong steel suspended family roller coaster na hango sa Hollywood film na Puss in Boots.

Puss in Boots

Narito rin sa loob si Shrek at sa bandang gilid naman ay nandun si Pinocchio. Kay gandang magpakuha ng litrato sa labas ng Far Far Away Castle na ito dahil sa ganda ng view at hugis nito.

Shrek and Pinocchio

Meron ding putol na puno kang madadaanan na ginawang parang bubong ng bahay sa ilalim. Ito ang sinasabi nilang literal na nakatira sa ilalim ng puno ng mangga, hindi ko lang alam kung anong klaseng puno ba ito hehe..

Nasa loob din ng Universal Studios ang Madagascar. Inspired ng DreamWorks Animation franchise at galing sa Hollywood film na Madagascar. Dito makikita ang mala-jungle na theme park at may dalawang rides pati na ang mga character sa cast ng nasabing movie.

Madagascar

Sa gilid naman ay mami-meet mo si Hello Kitty na nakatayo sa isang Hello Kitty Store kung saan ang lahat ng tinda sa loob ay puro mga Hello Kitty souvenir items.

Hello Kitty

Halos bawat lugar sa loob ng Universal Studios ay puno ng mga tao dahil sa ganda ng theme park na ito at sa dami ng pwede mong puntahan at gawin. Marami ding mga kainan kang madadaanan along the way sa pagiikot mo dito sa loob kaya kung magutom ka ay hindi mo poproblemahin kung saan mo gustong kumain.

Iba’t ibang lahi at turista ang dito’y madalas mamasyal kaya halos hindi ito nawawalan ng tao at halos mapuno ito lalo na kapag weekends. Kaya ang suggestion ko ay weekdays kayo pumunta dito para hindi masyadong crowded ang lugar at makapagpapicture kayo ng maayos sa mga magagandang lugar sa loob ng Universal Studios. Marami pang magagandang lugar ang pwedeng puntahan maliban pa doon sa mga napuntahan namin. Kaya talagang kulang ang isang araw mo dahil sa dami ng dapat at magandang pasyalan.

Ito ang ikawalong parte ng aming tour dito sa bansang Singapore at isa ang Universal Studios na mairerecommend ko na hindi n’yo dapat palampasin na mapuntahan kung sakali man na kayo ay mapadpad sa bansang ito. Hanggang sa muli at sana abangan n’yo pa ang mga susunod kong mga post patungkol sa pamamasyal namin dito sa bansang Singapore.

God Is Good: A Chat With God

Noong nakapunta ako ng Boracay ay nagpa-tattoo ako ng “God is Good” para ipaalala kung gaano kabuti ng ating Panginoon. Para sa tuwing maglalakad ako ay makita ng mga tao na napakabuti ng Diyos.

Dumating ka na ba sa point na nawalan ng tiwala sa Diyos? Yung mga panahon na akala mo hindi ka mahal ng Diyos at nagtatanong, bakit ako pinabayaan? Marami sa atin na kapag dumarating ang pagsubok sa buhay, akala natin pinabayaan na tayo ng Diyos.

Kapag sunud-sunod ang pagsubok na parang nawawalan na tayo ng pagasa ay naiisip natin, mahal ba talaga ako ng Diyos? Kung mahal ako ng Diyos bakit N’ya ako binibigyan ng mga ganitong pagsubok? Di ba ang sabi kapag mahal mo dapat huwag mong pahirapan? Pero bakit ganun, halos malugmok na ako sa hamon ng buhay at parang hindi na makakaahon dahil hindi ko na kaya.

Ito ang mga madalas nating nararamdaman kapag ang buhay natin ay nasa magulo, masalimuot, mahirap, madilim at puno ng problema. Totoong tayo’y tao lamang pero naisip mo ba kung kagustuhan din ba ng Diyos ang lahat ng ito o ito’y para din sa atin?

Sa aking sariling experience, naranasan ko rin ang mala-roller coaster ride ng aking buhay. Nandoon nasa pinakababang sitwasyon ako ng aking buhay at parang nawawalan na rin ng pag-asa. Nandoon namang nasa tuktok ako ng aking buhay, masaya, puno ng biyaya at walang masyadong problema. 

Kadalasan kapag nasa lugmok tayo at nasa hirap na sitwasyon ng buhay ay panay ang tawag natin, panay ang dasal at hingi ng tulong sa Diyos. Pero kapag nasa taas naman tayo ng ating sitwasyon, masaya, puno ng biyaya at walang problema ay nakakalimutan na natin ang Diyos.

Hindi naman talaga tayo hinihingian ng Diyos ng kahit ano dahil wala naman talaga S’yang kailangan sa ‘tin. Ang gusto lang naman N’ya ay mapabuti tayo at malaman natin na mahal tayo ng Diyos.

Narito ang usapan ng isang lalaki at ni God na magpapaliwanag sa mga katanungan natin sa buhay. Pagkatapos mong mabasa ito ay masasabi mong nakapabuti ng Diyos dahil hindi N’ya tayo kailanman pinabayaan. Nawa’y magbigay ito ng kaliwanagan sa lahat tungkol sa mga tanong na bumabagabag sa ating isipan sa mga panahong tayo’y natatakot, naguguluhan at nahihirapan.

Chat with God

One guy had a chat with GOD.

God : Hello. You called me.

Me : Called you? No, who is this?

God : This is God. I heard your prayers. So, I thought I would chat with you.

Me : Sure, I pray. Just makes me feel good. Actually, I am busy now. In the midst of something you know.

God : What are you busy with? Ants are busy, too.

Me : Don’t know. But I can’t find free time. Life has become hectic. It’s rush hour all the time.

God : Sure. Activity gets you busy. But productivity gets you results. Activity consumes time. Productivity frees it.

Me : But I still can’t figure it out. By the way, I was not expecting YOU to buzz me on instant messaging chat.

God : Well, I wanted to help you resolve your fight for time by giving you some clarity. I wanted to reach you through the medium you are comfortable with.

Me : Tell me, why has life become so complicated?

God : Stop analyzing life. Just live it. Analysis is what makes it complicated.

Me : Why are we then constantly unhappy?

God : Your today is the tomorrow that you worried about yesterday. You are worrying because the act of worrying has become a habit. That’s why you are not happy.

Me : But how can we not worry when there is so much uncertainty.

God : Uncertainty is inevitable, but worrying is optional.

Me : But then, there is so much pain due to uncertainty.

God : Pain is inevitable, but suffering is optional.

Me : If suffering is optional, why do good people always suffer?

God : Diamonds cannot be polished without friction. Gold cannot be purified without fire. Good people go through trials. With that experience their life becomes better, not bitter.

Me : You mean to say such experience is useful?

God : Yes. Experience is a hard teacher, though. She gives the test first and the lessons afterwards.

Me : But still, why should we go through such tests? Why can’t we be free from problems?

God : Problems are Purposeful Roadblocks Offering Beneficial Lessons to Enhance Mental Strength. Inner strength comes from struggle and endurance, not when you are free from problems.

Me : Frankly in the midst of so many problems, we don’t know where we are heading.

God : If you look outside you will not know where you are heading. Look inside. Looking outside, you dream. Looking inside, you awaken. Eyes provide sight, Heart provides insight.

Me : Sometimes not succeeding fast seems to hurt more than moving in the right direction.

God : Success is relative, quantified by others. Satisfaction is absolute, quantified by you. Knowing the road ahead is more satisfying than knowing you rode ahead.

Me : Sometimes I ask, who am I, why am I here? I don’t know the answers.

God : Seek not to find who you are, but to determine who you want to be. Stop looking for a purpose as to why you are here. Create it. Life is not a process of discovery but a process of creation.

Me : How can I get the best out of life?

God : Face your past without regret. Handle your present with confidence. Prepare for the future without fear.

Me : Sometimes my prayers are not answered.

God : There are no unanswered prayers. At times the answer is NO.

Me : Thank you for this wonderful chat. I’ll try to be less fearful.

God : Keep the faith and drop the fear. Life is a mystery to solve, not a problem to resolve. Life is wonderful if you know how to live!

Me : Thank you God. You really are so good. Please keep blessing to all of us!

Keep the faith always because God is so Good.

CTTO