The Secrets of Coronavirus Discovered

What if this is true? What if coronavirus is not really a virus but a bacteria and that Aspirin 100mg and Apronax are already in the market to cure those positive patients?

Follow the article below and find out what happen when Italian doctors disobeyed WHO and discovered the secrets of coronavirus.

How Italian doctors disobeyed WHO and discovered the secrets of coronavirus

Credit To: Efogator Media

Why Do We Need To Learn How To Invest?

Bakit nga ba natin kailangan mag-invest o matutong maginvest? Maganda ba ito at makakatulong ba ito para sa atin? Ano ba ang mga maidudulot nito para sa atin at para sa ating future? Kaya ko bang gawin ito kahit simpleng tao lang ako na may maliit lang na sweldo o kinikita sa araw-araw?

Ang pag-iinvest ang isa sa mga kailangan natin matutunan habang maaga pa at bata pa tayo. Alam naman natin na ang mundo natin sa ngayon ay pinapaikot ng pera. Bawat galaw mo ay may kaakibat na halaga. Sa karamihan sa atin kadalasan ay hindi sapat ang kinikita natin sa ating pagtatrabaho o kaya naman ay kahit gaano ka na katagal nagtatrabaho ay wala ka pa din naiipon hanggang ngayon.

Kaya kailangan talaga natin ang katuwang upang sa gayon pagdating ng panahon ay hindi na natin kailangan gamitin ang sarili nating lakas para kumita ng pera at hayaan ang pera ang s’yang magtrabaho para sa atin.

Isa ang pag-iinvest sa napakahalagang paraan para makatulong sa atin lalo sa hinaharap. Kadalasan kasi hindi ito tinuturo sa eskwelahan lalo na ang tungkol sa financial literacy kaya iilan lamang ang nakakaalam ng kahalagahan nito. Kung minsan kahit nga hanggang makatapos ka na sa iyong pagaaral ay hindi mo pa rin ito nagagawang matutunan.

Sa aking sariling experience ganun din ang nangyari. Hindi kasi ito tinuro nung nagaaral pa ako kaya late ko na nalaman ang kahalagahan nito. Kaya naman simula ng dumating sa buhay ko ang pagiinvest ay agad ko itong pinagaralan para matutunan.

Kaya naman gusto kong sa pamamagitan nito ay makatulong ako sa iba sa aking munting kaparaanan para mabuksan ang isipan ng iba na wala pang alam tungkol sa financial literacy. Mas maganda kasi kung bata ka pa ay malaman mo na ito para pagdating ng panahon na matanda ka na ay hindi ka na masyadong mahirapan sa buhay at maabot mo ang mga pangarap mo sa mas madaling panahon.

Maraming paraan kung paano ka pwedeng mag-invest. Narito ang ilan sa mga pwede mong maging investments para makatulong sa ‘yo patungkol sa inyong financial goals at para na rin magkaroon ka ng idea habang maaga pa kung saan at paano nga ba matutong maginvest.

Stocks

Isa sa pwede mong maging investment ay ang pagiinvest sa stock market. Dito ay para ka na rin nagiging part owner ng mga kilalang kumpanya sa Pinas tulad ng Jollibee, SM, PAL, Cebu Pacific, BDO, BPI, Puregold at marami pang iba. Isa itong investment vehicle para mapalago ang iyong financial status tulad ng mga kilalang mga taong nagtagumpay sa mundo ng investing tulad nila Warren Buffet, Benjamin Graham,Peter Lynch, William Gross at marami pang iba.

Narito ang link na may 20 parts na sa ngayon, ang “Stock Market – Part 1: What is the Stock Market?” kung paano kayo makakapag-umpisa sa pagiinvest sa stock market at kung ano ang mga dapat ninyong malaman tungkol sa pagiinvest sa market na ito.

Mas maganda aralin muna ang lahat bago pumasok dahil ang pagiinvest dito ay may mga kaakibat na mga risks. Dapat kasi alam mo yung ginagawa mo at alam mo kung ano ang pinapasok mo para hindi ka maging ignorante at maayos mong mapalago ang iyong investment kung sakaling ito man ang piliin mong gawin.

Mutual Funds

Ang mutual fund naman ay isa ring investment vehicle tulad ng pagiinvest sa stocks. Dito naman ay pinagsasama-sama o kinokoleta ang mga pera ng mga investors para ilagak o i-invest sa mga securities tulad ng stocks, bonds, money market instruments, at iba pang mga assets. Katulad din ito ng mga ginagawa ng mga bangko kung saan ang mga perang dinideposit natin ay kanila ring iniinvest sa ibang instrumento ng pagpapalago ng pera.

Di tulad sa stocks na ikaw ang may buong kontrol sa iyong investment, dito sa mutual fund ay mayroong kang katuwang na fund manager na bihasa sa ganitong mga investments para palaguin ang mga pera ninyo o ng mga investors.

Real Estate

Sa real estate naman ay pwede ka rin mag-invest tulad ng ginagawa ko. Sa post kong ito na pinamagatang, “A Good Investment Vehicle and Passive Income Generator” ay inilahad ko ang patungkol sa aking investment sa real estate. Simple lang ang investment na ito pero sigurado namang makakatulong sa ‘yo ng malaki kung paano nga ba pwedeng maginvest sa real estate.

Ang maganda kasi sa pagiinvest sa real estate ay talagang lalago ang investment mo pagdating ng panahon dahil taun-taon ay tumataas ang presyo nito na parang isang ginto. Pero dapat nating tandaan na ang bahay o anumang real estate ay nagiging investment lang kung ito ay nagpapasok ng pera para sa atin o sa madaling salita ay kumikita tayo sa pamamagitan nito.

Business / Franchise

Ang isa pa na pwede mo rin maging investment ay ang business o franchising. Marami na ngayon ang nagpa- franchise ng kanilang negosyo na nasimulan at umunlad. Tulad na lang ng Mang Inasal, 7 Eleven o kaya naman ay mga food cart franchising business. Sa internet nagkalat na ang ganitong mga negosyo na makakatulong sa ‘yo upang magkaroon ka ng sarili mong negosyo.

Yung iba naman ay nago-online selling o business dahil ito ang patok ngayon at hindi nangangailangan ng masyadong malaking halaga. Makikita mo sa facebook na napakaraming gumagawa nito at marami din ang kumikita sa ganitong business.

Ang maganda kasi dito ay pwede mong gamitin ang social media ng libre para i-promote ang business mo at makita ng maraming tao na mayroong facebook account para mas marami kang customer na makuha.

Pwede din naman na kung ikaw ay nasa bahay at magtinda ng mga pagkain sa harap ng iyong bahay o kaya naman ay magkaroon ng mga mobile loading station, remittance center o kaya naman ay sari-sari store.

Hindi ka mauubusan ng anumang negosyo na pwede mong pasukin lalo pa’t tayo ngayon ay nasa millenial stage na kung saan ang lahat ng impormasyon ay madali mo na lang makikita sa internet o mapapanood sa youtube.

Self Investment

Ang huli ngunit ang pinaka-importante sa lahat ay ang pag-iinvest sa sarili natin, maging ito ay kaalaman, karunungan, kalakasan o kasanayan. Kahit ano pa man yan mas mahalaga na maginvest ka sa sarili mo dahil ito ang magbibigay sa ‘yo ng tunay na investment na kailanman hindi pwedeng malugi, manakaw ng iba o mawala sa ‘yo.

Maging ito man ay pamumuhunan sa pag-aaral ng isang bagong kasanayan, paghasa sa iyong sarili o propesyon, pagpapaunlad ng iyong sariling hilig o kakayahan na kung saan pwede kang sumali o dumalo sa ilang training sessions, seminars o kaya naman ay mag-hire ng mga magtuturo sa ‘yo.

Kailangan unahin mo munang tulungan ang sarili mo bago ka tumulong sa iba. Kasama na rito ang pagkakaroon mo ng iyong sariling insurance maging ito man ay health insurance o life insurance. Sa ganitong paraan kasi ay mas makakatulong ka ng maayos dahil may sapat ka ng kakayahan at resources at naisaayos mo na ang sarili mo kasama ng iyong pamilya.

Maganda rin ang pagbabasa ng mga libro at isa na dito ang libro ni Robert Kiyosaki na pinamagatang “Rich Dad Poor Dad, kung saan ako namulat sa mundo ng financial literacy at investment.

Marami pang libro ang pwedeng makatulong sa ‘yo para matutunan mo ang iba’t ibang mga kaparaanan kung paano nga ba mag-invest at paano mo ito matututunan. Pwede mo rin gamitin ang internet, facebook o maging ang youtube para makakuha ng mga impormasyon na kailangan mo patungkol sa pagiinvest.

Sa ngayon kasi lahat halos ng kailangan mong impormasyon ay mababasa o mapapanood mo na sa internet dahil karamihan ay ito rin ang ginagamit na medium para ituro sa iba ang kanila ring natutunan.

Mahalaga na malaman natin kung paano maginvest lalo na habang maaga pa o habang bata pa dahil malaki ang maitutulong nito sa ating future. Hindi naman habang buhay tayong malakas at makakapagtrabaho ng katulad sa ginagawa natin sa ngayon.

Darating at darating ang araw na magkakasakit tayo, hihina tayo at tatanda tayo at kapag dumating ang mga araw na iyon ay siguradong hindi na natin kaya pang magtrabaho.

Kaya maganda na magkaroon tayo kahit na maliit na investment man lang para makatulong sa atin sa hinaharap o sa panahon ng taghirap. Darating ang araw mare-realized mo na tama pala at buti na lang ay nagawa ko na ito habang ako ay malakas at bata pa.

Sana ay mabasa ito ng mga kabataan ngayon pati na ng mga kapwa ko OFW para hindi dumating ang panahon na sa tagal natin sa pagaabroad ay wala man lang tayong naipon, naipundar o negosyo man lang na naitayo o kaya naman ay sa mga taong hirap na sa buhay dahil parang buong buhay na lang nila hanggang sa pagtanda nila ay nagpapakapagod pa rin sa pagtatrabaho.

Sa kabataan, maganda ito na maaga kayong mamulat pagdating sa financial literacy dahil hindi ito kadalasang tinuturo sa eskwelahan. Malalaman mo na lang ang kahalagahan nito kapag lumipas na ang panahon at kakaunting panahon na lang ang natitira.

Muli maraming salamat sa pagdaan dito sa aking blog site at nawa’y may napulot kayong aral o idea kahit papaano sa aking munting pagpapaliwanag tungkol sa kahalagahan kung bakit kailangan natin matutunan kung paano maginvest.

Photo: CTTO

Truly An Amazing Filipino Talent

Have you watched the America’s Got Talent lately? One Filipino with an amazing voice and talent auditioned in one of the famous talent shows on TV today which is America’s Got Talent.

Hearing and seeing how this fellow Filipino sings in front of hundreds of audience in this talent show was so amazing and I am very proud of being a Filipino. Watch, see and hear it for yourself to find out how talented this guy from the Philippines named Marcelito Pomoy.

Video: Credit to America’s Got Talent

A Reason for Living: Life is Beautiful

Have you ever been thanked and admired by strangers whom you have never met in your entire life? It’s a good feeling to have people who you don’t know and who you haven’t seen in all your life who thanked and admired what you have done.

That’s what happened to my blog site. As well as a lot of great comments, some were happy with what they have read on my blog and others were grateful for what they have learned and how my blog site helped them.

People I’ve never seen, talked to or even met. People from all over the world commenting on your blog because they appreciate your work and content of your blog site.

You can see their comments in your blog feed even though they may not recognize you. This is because of what they have read, watched or because of the content of my blog that has had a positive impact on them or contributed to their lives.

These comments give me the inspiration to further improve, enhance and post quality content that can help other people not only in my own country but also in other countries where they have passed by my blog site.

I’m not sure people will like my blog site in the first place because my purpose is to share my life experience and my life to say to the whole world, there is a reason for living and that is “Life is Beautiful”.

Their comments about my blog site are extremely heartwarming. It’s uplifting to see others appreciate what you do, especially what you write and the content of your blog site.

So as the year 2020 opens, I want to thank you for appreciating what I do on my blog site as well as its content and rest assured I will continue to improve my site to inspire and help others the simple way I can.

Thanks again for all your comments, suggestions and admirations on my blog site. From here in Kuwait, wishing you all a Happy and Prosperous New Year – Mr. Simpleman.

Nangyari Ba Ang Mga Nakasulat Sa Iyong 2019 Zodiac Signs?

Nangyari ba ang mga nakalagay at nakasulat sa iyong Zodiac signs ngayong taong 2019? Ngayon nga na parating na ang year 2020 at patapos na ang year 2019, ilan kaya sa mga nakasulat sa iyong zodiac signs ang totoong nangyari ngayong taong 2019.

Base sa Chinese Astrology, ang popular na Chinese Zodiac signs ay isang klasipikasyon ng pamamaraan ng pagtatalaga sa mga hayop at ng kanilang mga katangian sa bawat taon ayon sa tinatawag na paulit-ulit na 12-year cycle. Ang 12-year cycle naman na sinasabi ay base sa pagtatantya sa 11.85-year orbital period ng Jupiter.

Pinaniniwalaan sa Chinese Astrology na ang mga animal signs na nakatalaga sa bawat taon kung kailan ipinanganak ang isang tao ay kumakatawan sa kung ano ang tingin o pakiramdam ng tao sa iyo o kung paano mo ipinakikilala ang iyong sarili base sa iyong paguugali at pagkatao.

Noon ngang nagbakasyon ako sa Manila ay nakapamasyal kami sa Lucky Chinatown Mall at dito nakita ko ang mga Zodiac signs na ito kaya naman kinuhanan ko lahat ng pictures para gawan ng blog para makita ng karamihan na wala sa Pinas o hindi pa nakita ang part o area na ito ng Lucky Chinatown Mall.

Narito at ating balikan ang mga nilalaman ng ating mga zodiac signs bago pa man mag-umpisa ang taon na base sa taon ng ating kapanganakan.

1. Year of the Rat

(1936, 1948, 1960, 1972, 1984, 1996, 2008)

2. Year of the Ox

(1937, 1949, 1961, 1973, 1985, 1997, 2009)

3. Year of the Tiger

(1938, 1950, 1962, 1974, 1986, 1998, 2010)

4. Year of the Rabbit

(1939, 1951, 1963, 1975, 1987, 1999, 2011)

5. Year of the Dragon

(1940, 1952, 1964, 1976, 1988, 2000, 2012)

6. Year of the Snake

(1941, 1953, 1965, 1977, 1989, 2001, 2013)

7. Year of the Horse

(1942, 1954, 1966, 1978, 1990, 2002, 2014)

8. Year of the Sheep

(1943, 1955, 1967, 1979, 1991, 2003, 2015)

9. Year of the Monkey

(1932, 1944, 1956, 1968, 1980, 1992, 2004, 2016)

10. Year of the Rooster

(1933, 1945, 1957, 1969, 1981, 1993, 2005, 2017)

11. Year of the Dog

(1934, 1946, 1958, 1970, 1982, 1994, 2006, 2018)

12. Year of the Pig

(1924, 1947, 1959, 1971, 1983, 1995, 2007, 2019)

So, pagkatapos mabasa ang inyong mga zodiac signs, masasabi n’yo ba na may mga nangyari sa mga ito sa tunay na buhay ngayon taong 2019? Nakatulong ba ang pagkakaroon ng mga ganitong signs para lalo natin pagisipan ang tungkol sa ating buhay, kalusugan, pagibig, kayamanan, edukasyon at karera?

Nawa’y nakatulong ang post na ito sa pagbabalik tanaw ninyo sa nakaraan kung ano ang mga nangyari patungkol sa inyong buhay, kalusugan, pagibig, kayamanan, edukasyon at karera. Kung ito ba ay umaakma sa mga sinasabi ng inyong Zodiac signs.

A Good Investment Vehicle and Passive Income Generator

Isa pa sa mga investments ko bukod sa stock market ay ang real estate property. Isa ako sa mapalad na nagmamay-ari ngayon ng isang real estate property o condominium unit sa isang SMDC condominium building sa SM Mall of Asia Complex, ang Shell Residences. Nakuha ko ito noong pang taong 2016. Hindi naging madali ang mga pinagdaanan ko noon para lang magkaroon ng ganitong investment. Pero alam n’yo ba na isa ito sa magandang investment vehicles na magbibigay ng passive income sa ngayon dahil sa pagiging in demand n’ya. Naalala ko tuloy ang ilan sa mga mahahalagang quotes ni Warren Buffet tulad ng mga ito lalo na yung “On Investment: Do not put all eggs in one basket”.

Photo: CTTO

Nabili ko s’ya noong mga panahong iyon sa halagang 4M pesos at ngayon nga ay nagkakahalaga na ang kanyang market value ng 7.6M pesos. So, in the span of 3 years more than 3M na ang kinita ng investment kong condo unit kung ibebenta ko s’ya sa panahon ngayon. Narito ang itsura ng condo unit ko noong araw na na-turn-over s’ya sa amin.

Ang maganda kasi sa mga ganitong investment ay sa pagtagal ng panahon ay mas tumataas ang market value n’ya. Lalo pa itong tumataas kapag ang lugar kung saan nakatayo ang condominium building ay magiging progresibo. Tulad na lang ng mga condominium buildings sa paligid ng SM Mall of Asia.

Pagdating ng panahon siguradong hindi na lang 7.6M pesos ang itataas ng investment kong ito. Sa ngayon nga ang mga bagong unit sa bagong tayong condominium buildings ay nagkakahalaga na ng 10M and above. Ito na ngayon ang itsura ng unit ko bago ko s’ya pinarentahan. Medyo sinimplehan ko lang ang ayos at hindi ko na pina-full interior dahil hindi naman kailangan.

Nalaman ko kasi noon na ang lugar na ito ang isa sa mga magiging progresibong lugar sa kamaynilaan sa hinaharap. Ito rin kasi ang pangarap ko dati na magkaroon ng isang bahay na malapit lang sa airport at mga malls. Siguradong tataas pa ang market value ng investment kong ito dahil in the near future ay itatayo na malapit dito ang kauna-unahang IKEA sa Pinas.

Photo: CTTO

Bukod pa d’yan ang mga project na katatapos lang sa palibot nito tulad na lang ng Okada pati na ang mga future reclamation projects tulad ng paparating na Manila Bay City of Pearl project kung matuloy.

Photo: CTTO

Pero alam n’yo ba ang ginawa ko? Gaya ng iba, nakita ko ang malaking opportunity para gawin s’yang mas maganda at mas kumikitang investment vehicle. Pina-rentahan ko s’ya at ngayon nga ay may umuupa na sa halagang 55k per month. Gumamit ako ng agent dahil alam kong sila ang mas nakakaalam kung paano at saan kukuha ng mga foreign clients o yung mga gustong mag-rent sa mga condo units. Alam kong mas mababa pa ito kesa sa mga umuupa sa iba pero ok lang dahil para sa akin ay malaking bagay na ito. Ginawa ko lang ito para magkaroon ng steady income o yung tinatawag na passive income kahit na wala ako sa Pinas.

Pero alam n’yo rin ba kung ano pa ang maganda dito, bukod sa monthly rental ay ang mga tenant din ang magbabayad ng Water, Internet at Electric Bills every month. So yung rental fee na 55k ay kita mo na yun sa isang buwan at i-less mo na lang yung binabayaran mong Condo Dues pero syempre pati na yung agent’s commission which is equivalent sa 1 month rent. Ganun kasi ang kalakaran sa pagpaparent kapag kumuha ka ng agent kaya mas magiging ok kung ikaw na mismo ang hahanap ng client para wala ka ng babayarang agent’s commission.

Bukod pa d’yan, nagbabayad ang tenant ng 1 year advance for the rental fee at 2 months deposit para naman sa mga masisirang gamit o mga dapat ayusin dahil sila ang may kasalanan. Kaya nga noon nakaraang November 2019 ay natanggap ko na naman ang advance payment para sa condo rental.

Karamihan sa mga umuupa sa ngayon ay yung mga foreign clients o mga staff na nagtatrabaho sa mga Casino o Gaming facilities. Kaya mapapansin mo na marami na ngayon ang nagaalok ng mga condo unit ng SMDC o Ayala Land pati na ako hehe..pinasok ko na rin kasi ang mundo ng real estate business..hehe.. Narito ang kabuuan ng mga condominium at premier properties ng SMDC at Ayala Land kasama na ang lugar kung saan sila nakatayo o itatayo pa lang para maging guide n’yo.

SMDC Condominiums and Premier Properties

Ayala Land Condominiums and Premier Properties

Ito yung sinasabi na kahit natutulog ka ay kumikita ka at ang tinatawag na “Passive Income” generator dahil nga pumapasok lang ang pera kahit wala ka ng ginagawa dahil sa investment na na-acquire mo noon pa. Isa pa sa maganda sa pagpapa-rent ng iyong condo unit ay sa ‘yo nakapangalan at sa ‘yo pa rin ang property in the end at kung sakali man na gusto mo na s’yang ibenta in the near future ay pwede rin kung sa tingin mo ay mas lumaki pa ang kanyang market value.

Hindi ba magandang investment vehicle ito? Kaya hinihikayat ko ang sino mang makakabasa nito o mapapadaan sa blog site ko na subukan ang pagkakaroon ng real estate property dahil isa itong good investment vehicle at passive income generator. Kahit sa librong mababasa mo sa ngayon ay sina-suggest na isa ang pagkakaroon ng real property para maging investment vehicle para sa iyong future maging lupa, townhouse, house and lot o condo unit man yan.

Gusto ko lang i-share ang aking naging experience hindi upang ipagyabang bagkus ay maging inspirasyon sa iba at maging guide na din kung anu-anong paraan ang pwedeng puntahan ng mga perang pinaghihirapan natin na kikita at lalago pagdating ng panahon. Sana’y maging inspirasyon ito na hindi hadlang ang kahirapan para abutin natin kahit ang ating mga simpleng pangarap sa buhay. Hindi mo naman kailangan maging mayaman upang maging masaya at makamit ang iyong mga pangarap. Simpleng buhay lang ay ayos na, walang masyadong problema at may maayos na kalusugan. Kaya kung mangangarap ka ay lakihan mo na kasi yun na lang ang tanging libre sa mga panahon ngayon.

Maganda ito lalo na sa mga OFW (Overseas Filipino Workers) na katulad ko dahil hindi naman sa lahat ng panahon ay malakas tayo at kikita ng mga kinikita natin sa ngayon. Darating ang araw mawawalan tayo ng trabaho o tatanda tayo at maaring wala ng pagkakitaan kaya maganda na ngayon pa lang ay pinaghahandaan na natin ang mga ganitong sitwasyon.

Sa mga kabataan naman ngayon, sana’y mabasa ninyo ito at may matutunan kayong aral sa post kong ito na magagamit ninyong guide para habang bata pa kayo ay maumpisahan n’yo na ang pagkakaroon ng mga ganitong investment vehicle na magbibigay sa inyo ng passive income. Mas maganda kasi na habang bata pa kayo ay natututunan n’yo na ang mga ganitong paraan o yung tinatawag na financial literacy dahil kadalasan ay hindi ito tinuturo sa eskwelahan.

Sana’y may napulot kayong idea na magbibigay inspirasyon sa inyo sa mga nabasa ninyo patungkol sa aking experience at mga hakbang na ginawa ko at para makatulong sa inyo kung paano ninyo mapapalago ang mga perang pinaghihirapan ninyo ng matagal na panahon.

Sabi ko nga sa quote na ito,

“Do your best in everything you do because whatever you plant today, surely you will harvest it later.”

SMDC Gold Residences

The latest and newest condominium of SMDC is now ready to launch. The Gold Residences in Parañaque City. Here are some of the details for those who would like to own a unit…

Overview

Unit Layout

Vicinity Map

Location Map

Property Details

Sample Computation

For inquiries just leave a message we will gladly attend to you as soon as possible.

High School Life

High school life is one of the happiest stages of our lives. Here we begin to learn many things about life. In high school, we experienced different kinds of emotions. The fun in high school starts from 1st year until your 4th year because most of you are still in the same section. All the touches of laughter, tears, jokes, fights, and happiness, you’ll experience while you’re in high school.

It is also here that a variety of true friendships are formed that will last even until you grow old. It was so much fun especially during class time, like the one when our teacher kind of asks questions then you don’t know the answer but you still raise your hand because a lot of hands are raised and you hope you won’t be called.

Do you remember the time when you had no answer to that assignment and then stood at the back for the whole class period as a punishment and you’re ashamed that your crush was looking at you? How about the time when you clean the whole classroom with broom/sweeper, dustpan, and mop along with floor wax to make the entire floor glow even though you know at home your floor is not that clean.

It is exciting to reflect on the happy memories of our high school life. Do you even remember your first crush in high school that every time your crush stood up and answered, you would be teased by your classmate and say “hey, your crush”. Then you will smile because you knew he/she is your crush. This stage of your life you might also meet your first love and you feel as if the whole world was full of love.

In high school, all kinds of craziness like naming our teachers who seem to be a terror one when in class. Do you remember when somebody nailed your notebook to your seat table because your friends are making fun of you? How about when you went through that school fence because the guard didn’t let you in because you didn’t have your school ID or your long hair was banned in high school.

You will never forget high school life because of the events that gave you so much fun. Love letters are so famous in high school as well as the slambooks. Remember the slambook? Where all of your favorites are listed, but the one that everybody looks the most is “Who is your crush?”

So last April 22, 2017, we had a reunion for our Batch Silver Anniversary and I didn’t miss it. Isko Moreno was also present at the reunion as seen in the video I made. He was my classmate and a batchmate in high school and is now Mayor of the City of Manila. It was a great evening because after 25 years you will see your classmates, your batchmates, your teachers and your high school alma mater.

So I brought along my camera because I knew that lasting memories would happen that night. Memories that may not or may never be repeated for a long time. I also made a Tribute Video for the public to watch and upload on Youtube.

Tondo High School Silver Anniversary Reunion

I also did it for those who couldn’t go especially those who were abroad so they could watch the events of our reunion night and even see their classmates at least in the video. Hopefully, this will inspire us to revitalize our youth when we were still in high school because high school life is just one memorable stage in our life. This is my High School Life, My One High School Life.

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!

5 Tips Para Hindi Ka Mawalan ng Pagasa sa Buhay

Nawawalan ka na ba ng pagasa sa buhay? Feeling mo ba ay wala ng kwenta ang buhay mo? Walang nangyayari at walang pag-angat o walang pagbabago. Pero bago ka mawalan ng pagasa tingnan mo muna baka meron ka lang dapat gawin o baguhin sa mga dati mong ginagawa. Narito ang limang tips na sa tingin ko ay makakatulong sa ‘yo para tuluyan mong makalimutan ang mawalan ng pagasa.

1. Don’t Expect Too Much On Everything

Una dapat wag kang mag-expect ng sobra-sobra sa maraming bagay. Isa kasi ito sa mga dahilan kung bakit tayo nawawalan ng pagasa. Kapag hindi kasi umaayon sa atin ang sitwasyon ay agad tayong nalulungkot at nawawalan ng gana. Subukan mong wag mag-expect ng masyado sa mga bagay na ginagawa mo, maging ito’y para sa sarili mo o sa ibang tao. Makikita mo na kapag yung expectation mo ay hindi nangyari, hindi magiging malaki ang epekto nito sa ‘yo.

2. Be Always Inspired and Make Yourself Busy

Kailangan gawin mong laging inspired ang sarili mo. Pero paano mo ito gagawin? Isa sa magandang paraan ay ang panonood ng mga nakaka-inspire na videos. Sa ngayon ay marami ng videos sa Youtube o Facebook na pwede mong panoorin para magbigay sa ‘yo ng inspiration. Malaki ang maitutulong nito para hindi mo maisip ang mawalan ng pagasa. Lalo kasi tayong ginagahan kapag nakakapanood tayo ng mga feel good videos lalo na kung nakaka-inspire ang napapanood natin. Gawin mo rin busy ang sarili mo sa mga kapaki-pakinabang na mga bagay at gawain. Pwede kang magbasa ng mga nakakaaliw na babasahin tulad ng books, magazines o komiks na paborito mo. O kaya gawin mo yung mga bagay na makapagpapasaya sa ‘yo. Sa ganitong paraan ay makikita mong unti-unting nababago mo ang sarili mula sa pagiging negative into positive one.

3. Always Remember Life Is A Constant Change

Lagi mong tandaan ang buhay ay palaging nagbabago. Kung nasa ibaba ka man ngayon baka bukas makalawa ay nasa itaas ka na. Hindi natin masasabi ang mangyayari sa hinaharap pero isa lang ang totoo, life is a constant change. Kaya hindi ka dapat mawalan ng pagasa. Maaaring ikaw ay dumaraan sa isang pagsubok ngayon pero pasasaan ba at malalampasan mo din yan. Wala namang pagsubok na ibinibigay sa atin na hindi natin kayang lampasan. Kumbaga ang mga pagsubok na ito ay dumaraan lang sa ating buhay hindi upang maging permanente kundi pansamantala lamang. Kaya lagi mong tandaan na ano man ang nangyayaring hindi maganda sa buhay mo ngayon, ito’y lilipas at lilipas din. Tanda mo ba kung ilang pagsubok na ang napagdaan mo noon? Ngayon ka pa ba susuko na alam mong nalampasan mo naman ang lahat ng pagsubok na dumaan sa buhay mo? Masaya at masarap mabuhay kahit hindi ka mayaman o nakaaangat sa buhay. Hindi mo naman kailangan maging mayaman o magkaroon ng mamahaling bagay para maging masaya. Simpleng buhay lang ay ayos na. Walang masyadong problema at may maayos na kalusugan ang ilan sa mga dapat nating ipagpasalamat.

4. Voice It Out and Tell A Friend/Family/Relatives

Kung sa tingin mo ay hindi mo na kaya, bakit hindi mo subukang mag-open up sa isang kaibigan, sa iyong pamilya o kamag-anak. Baka magiba ang ihip ng hangin kapag may nahingahan ka ng mga bagay na gusto mong ilabas. Kung wala man isa sa mga ito ang gustong makinig sa ‘yo eh nandyan naman si Lord na hinihintay ka lang na tumawag sa Kanya. Ako kung minsan, nagpupunta ako sa simbahan na ako lang magisa. Doon nagdarasal ako at sinasabi ko Kanya ang lahat ng mga gusto kong sabihin tungkol sa buhay ko. Subukan mo ito minsan at tingnan mo paglabas mo magiging ok ka na. Alam mo yung feeling na nawala yung bigat na dinadala mo. Ganun ang mararamdaman mo kapag nakausap mo si Lord. Then at an instant may mangyayaring hindi mo inaasahan. Naranasan mo ba ang ganun?

5. Keep The Faith Alive and Trust in the Lord

Isa sa pinakamabisang paraan para hindi tayo mawalan ng pagasa sa buhay ay ang magtiwala sa Diyos. Subukan mong buhayin ang paniniwala mo sa Kanya kung sakali man na ikaw ay naliligaw ng landas. Pwede kang magsimba kada lingo o anumang araw na pwede ka o umattend ng mga religious missions o kaya naman mga religious works para lalo pang mapagtibay ang paniniwala mo sa Poong Maykapal. Baka ito ang isa sa kailangan mong pagtuunan ng pansin para magkaroon ng kaliwanagan ang iyong pagiisip sa mga bagay na gumugulo sa ‘yo sa ngayon. Napaka-powerful ng mga salita ng Diyos at maaring ito ang makapagpabago sa iyo para hindi ka mawalan ng pagasa. Sumangguni ka lang at magtiwala ka lang sa Kanya sa lahat ng bagay at makikita mo ang magiging resulta nito sa iyong buong pagkatao.

Kaya hindi tayo dapat mawalan ng pagasa dahil maraming bagay pa ang pwede nating gawin. Napakasarap ang mabuhay. Kailangan lang lagi tayong maging positive sa buhay. Kung sa tingin mo nagiisa ka lang at walang karamay, nandyan ang iyong mga kaibigan at pamilya para damayan ka. Lagi mong tandaan, hindi ka nagiisa. Narito kaming lahat para sa ‘yo lalo na si Lord. God bless and always remember, “There is always a reason for living because life is beautiful”.