Navigating My Night Shift Life

 Its been more than a decade working as a callcenter agent here in the Philippines. And as everybody would know it is going to be a graveyard shift.

So when it comes to working in the graveyard the struggle really is finding the sleep when everyone is awake. And most of the time lack of sleep creates a whole lot of issue health wise.

I also had issues and paid it severely as well. The good thing is I find my groove and find a way to navigate it. Of course, when I was younger I thought I could do whatever I want but unfortunately my body came back at me with a vengence.

Upon realizing, I made a conscious effort to make a shift. Shifting and quiting my BPO life is not an option because it pays the bill but what changes are my activity, the way I manage my time and pretty much the mindset that goes along with it.

So here is the summary of what work for me.

1. 8 hours or more of sleep - to avoid stress and or other sickness related to lack of sleep; then make sure to have more than8 hrs of sleep right? However, when you are working at night and sleeping in a broad day light for sure is a struggle. For me, what I do is I make sure that that my windows are fully covered and there is very minimal to zero sunlight peeping through my windows. I also make sure that the temperature is cool enough for me sleep sound and lastly I make sure that I go to bed on the same time and wake up the same time everytime. Sometimes I needed the help of melatonin like  Nightol melatonin or  Wellspring Gummy Melatonin

2. Eat 2 hrs before going to bed. I am not sure but when I go to bed on an empty stomach I usally wake up in the middle of my sleep looking for food. Also, during my working hours I will treat it as if it is my day, like I will have my meals three times during my working hours and my last meal would be my dinner for the day. And of course before my last meal I will endulge first myself with a grabe juice, also a very healthy drinks this is my favorite Daytox Fiber and after meal I usually have my   Aishi Beauty White Complex for my gut health of course.

3. Coffee is not a life. We have a joke that"Coffee is life" though it is  for most of us including my self as I cannot survive the whole nigh without coffee but I will make sure that I will have my last coffee 5 hrs before going to bed. Also, instead of having the instant 3-in-1 coffee mix I normaly replace it with the"Barako" or if not the more healthier options type of coffee.  Just like this Surge Coffee that uses natural sweetener. Or instead of those premix juices that uses table sugar I opted to this healthier drinks Kotcha Latte that I get to really enjoy while working at night.

4. Work Life Balance - I find the importance of having a work life balance and the way I see it is making sure that I have other activities other than working and commuting.  On a daily basis after I logged out of work I tend to look for something else that I would do beyond my working hours that is satisfying, rewarding and something that I would like to do like my hobby. So in my case I find creating video for my tiktok account satisfying so I make sure I do that, it doesnt feel like I am doing it because I have to do it but rather it mke me more relax before eating my dinner. Other things would include doing some 5 km walk for me to let loose. Writing on my journal or in this case I will try to just write anything on my blog hahaha. Anything that doesnt feel like an obligation are the activities that I would list down. You can follow me on my Tiktok so lets connect there. Or by simply watching my favorite BL Serries hahaha

5. Networking - "hindi po eto yung power power" So when I say netwoking, I only mean meeting up with friends at least once a month. This is where I am failing misserable. Aside from my friends are in other cities, I dont have the capacity or means to travel and spend some resources that I am lacking off. Because after paying bills and buying my meds nothing is aleady left in my salary hahahaha

So we will be talking more about working at night experience or the so called graveyard exeprience in the coming post that I have. I just wanted to write this up as a welcome back article as I havent been posting in these site this past few months.

For the meantime here is my latest post in my Tiktok Account

See you on my next post and see you on my tiktok account!

Before Applying for Housing Loan

Are you planning of taking a PAG-IBIG Housing Loan? Or an in-house Housing Loan, or bank Housing Loan? Maybe you should step back in a bit and try to see if you are ready to take one. Or you would end up being bitten by this ruthless, heartless, and rude collection agents.

I, myself was brain washed and was slightly forced to take a housing loan. Though in the beginning I was hesitant and was trying to explain that it was still too early too soon but the point is clear and agreed to take a housing loan with the following reason.

1. I am taking a housing loan because I dont have savings.

2. I am taking a housing loan because it is better to have this long term loan through Pag-ibig at least I have a house I can call my own rather than renting and can never call my own.

These were all my reason why I took a long term housing loan through Pag-ibig. Are these reason valid? Of course they are VALID because they are true in all aspect. They will only become invalid when the question to ask is are you really ready to take that loan?

My reason for taking a housing loan are all valid but it leads me to my greatest mistake as well. I wasnt ready to take the housing loan. Now, before you commit the same mistake, here's what you should take in consideration first before even thinking of having a PAG-IBIG FINANCED HOUSING LOAN.

1. Emergency Fund - you should calculate your monthly expenses. From household expenses to expenses going, during and after work including your vices then whatever is the result multiply it by eight. Or the easiest way is your current monthly income times eight. Having an emergency fund will at least secure you to be able to have funds in any case something happen to you like you'll get sick or when you lost your job. Never ever take a housing loan if you dont have this 8-month emergency fund.

2. Savings - Aside from the emergency fund, check how much savings you have. The idea is to have at least 10% of the total contract price of the house you are planning to get. Once the house gets turned over to you, am sure there would be a lot of things you would wanna do, am sure you would want to remodel the house. So you would need at least a good amount of money to have everything situated.

3. Once you have your emergency fund and your savings. Check on the value of the house and check how much monthly you would be paying. It is highly important to save up at least 70% of the contract price ready before going agreeing to a loan through PAG-IBIG. Yes, going to a long term housing loan through PAG-IBIG may sound cheap and attainable but when you compute the 30 years times your monthly payment through them boy its double the amount. In my case, the contract price is 750K pesos, my monthly is ranging from 5.5K to 6K a month after 30 years I have paid PAG-IBIG 1.7 Million pesos or more. So it will sounf like I have given PAG-IBIG 1 million pesos after 30 years. So I would advise, to pay PAG-IBIG the moment your house gets turned over to you at least 50 to 70 percent of the total contract price and have them recompute to have a lower number of years to pay. Then pay off the remaining ballance at the earliest possible time.

If you have these 3, then by all means go get a house. Course it through PAG-IBIG for a lower interest charge and have a house of your own.

Tips During Typhoon in the Philippines

Its this season and months again where typhoons often hits the Philippines. Its RAINY Season again. Ofcourse if its rainy season flooding in Metro Manila and some parts of the Ph is ramphant.

So here are some must haves:

During typhoons it is always best to stay at home but in any case you need to be out or you need to go to work then here are some flood prone areas in Metro Manila that you should avoid during typhoons to avoid compromising your activities.

More typhoon tips in the coming days!

Phenomenal Love Team ALDUB Celebrates First Year Anniversary

AlDub turns one!

Photo from GMA 7 official Twitter account

July 16, 2015 is the day where magic sparks and made the whole Filipino community go gaga over Alden Richards and Maine Mendoza. An accidental segment in a noontime show that no one has ever thought it will rule the twitter world and the ratings.

I must say that this is the only FANDOM in the Philippine Showbiz that is so diverse that it includes all genders, every proffession from doctors to politicians to call center agents to doctors and nurses to overseas Filipino workers and lawyers; name it and I am sure it is well represented.

It has been one year where this segment of a NOONTIME show EAT BULAGA has been rocking the twitter world for one year with one million tweets each day.

The celebration was still crazy and lovely. The feeling from when it started is still the same for the fans.

As a proof everyone brings their support in twitter and started twitting about what was happening on that day. In exactly 24 hours, the hashtag for the day ended with more than six million tweets.

Not only Local celebrities are being hooked with ALDUB but this include some International celebrity like Bryan White who sang the Official love song for ALDUB, "GOD GAVE ME YOU". Ask a fan and I am sure they know God Gave Me You by heart.

Bryan White, a country singer in the US flew all the way from the US to the Philippines to be part of getting stronger Love Team of ALDEN RICHARDS and MAINE MENDOZA  ALDUB's 1st ANNIVERSARY Celebration. (Click here to visit Bryan White website)

To wrap it all up, the launching of their first movie together entitled Imagine You and Me is also well loved. Ticket sales and movie houses are definitely over flowing.

This two are definitely well loved by the fans. They get all the support they needed. The most talked about love team. The most active fandom worldwide.

The latest post of Maine Mendoza in instagram was also being shared and being talked about in twitter.

Why are these tandem so loved many Filipinos? Why is their audience so wide from toddlers to grandparents name it I am sure everyone knows them. Is their love simply for the show? Is the love story for real or reel? The so called "kilig" factor of their love story blew the roof of the biggest arena in the Philippines. Was it true love that makes it so believable that will make someone of all ages swoon and wish theyll have their own prince/princes charming woulf show up in a very mysterious way?

No matter what their secret is, it is working perfectly fine that no one can deny that their love is felt in every episode of KALYESERYE and or their movie/s. If you havent watched the movie yet, I encourage you I am sure you would be blown away as they transpire the love right to next to your heart.

The Sunset of Life

It was one cold afternoon of January when I decided to stroll. Just the normal activity I do since I lost my job. It is a perfect time for a realization of the things I have done. I am person who planned everything. I planned on everything from my life goals to career moves.

I remember that before entering my college life I also had a long walk at dawn planning from my biggest goal up to the steps that I need to do to achieve my lifetime goal. This was my beautiful sunrise. When the sun rises from the east it signals a beautiful day. The birds chirps excitedly. The kids are joyously preparing for their activities for the day. The flowers in the garden standing proud awaiting for the sun to finally rise to help them build the food they need. Sunrise signifies a beautiful day ahead. The sun smiles brightly from afar to the creation of this universe excited to fulfill their duties and tasks for the day ahead.

For me, the sunrise is the signal for a day to execute the plans for the day. I planned on the things I need to do on my college days to gain all the experience I needed to land on a professional job after college. My life’s blueprint was all laid up when I finally enrolled in college. I am able to execute all these plans perfectly and was able to reach all goals that I have.

Sunrise signifies a beginning of a journey to a beautiful day. No matter how we conjure the things around us the sun will always rise and the course of the matter will always come to life. No human can ever stop what is bound to happen. The only thing human can do is to decide which way to go. It is the call of nature. What is bound to happen will always happen no matter what.

It will not always be a beautiful sunny day when the sun rises. There will be days where there are storms stronger than the other. Storms that shatters someone else’s life. Storms that will blow everything that you will have. Or there will be days where the sun seems to come closer to us where there is extreme heat. The soils will crack, the plants will wither.

But after all this, the sun will always set in the west. As the sun continues to set the sky turns to different shades of orange. The rays of the sun adorns the blue sky with colors pleasing to the eye until it finally disappears and turns the sky into pitch black.

Sunset is a reminder for us that everything has an end. No matter what the situation is whether it a blizzard of bad lucks or a basketful of luck it will always have an end. It is also a reminder that it was such a fine perfect day.

Just in life, we meet different persona that stumbles our way.

There will be people who would come and shatter our life just like one of our stormy days. They will probably come and leave us with unrepairable damage in our life. There are those people who would come and leave us with penniless. There will be situation forcing us to become the person who we are not. Just like a storm, they will come unexpectedly more often than not they will come at your lowest point.

Sometimes amidst this staggering happenings in our life, someone will come to brighten up our days. Just like a sunrise. It energizes us to do the things we are ought to do. They will light up our life after we come out from the dark. There will be situation, the unexpected one that will come and give us the energy that we needed the most inspiring us to exceed the expectation on the things are destined to do.

Above all, there will be someone who will always be our sunset. The one who will always be there reminding us that everything shall pass and everything will come to an end. Just like the beautiful sunset with wide range of colors adorning the sky, that person will always be that someone who resets us to have that there will tomorrow waiting with the hopes of a better than that of today and yesterday. It is our sunset that reminds us that there will be hope of a better tomorrow.

That was the meaning of sunset for me. It is a reminder that no matter what there will always be an end of all the things that is happening. It gives us hope for a new tomorrow. So who is that person who will be the sunset of your life. That person who will remind you that everything shall come to an end.

Trusting People

I see the world as a place where everything is possible. A world full of love and injustice. I see it as a place for dreamers to fulfill the dreams they have been working on for years. A place where everyone will experience the beauty of living. A place so beautiful yet very dangerous. A place where everyone would grow their faith and experience the majestic miracles of what we call LIFE.

They say NO MAN IS AN ISLAND which is true. Everyone needs someone to grow and strive for whatever they are destined to be doing. We treat our neighbors as our friend, our comrade, our comforter, in short we see and treat them as our family because we know in times of trouble they will be our run to person when times get tough.

As we sail on to our journey either going to work or simply dining in to a little or mini food stores we will be mingling with different people of different personality and walks of life. We chat, laugh and simply talks to them which may lead to something better and deeper relationship. Our simple HI and Hello's somehow creates a bridge to the people we first met until we ended up talking to them.

However, sometimes that simply HI and HELLO's may lead to catastrophic incident burning the bridges that was once created. The bridge that was built beautifully by simply bumping into those people we accidentally meet. These things happens simply because we are TRUSTING too much.

We are called HUMAN because we TRUST. However, because of that TRUST sometimes will lead us to our own distraction. Human by nature are loving and caring just exactly as describe in the old testament. As God has created Adam and Eve to be loving and caring to almost everything. We are created in the liking of God.

Trusting to people is definitely very human in nature. We trust people we meet because we don't see them as enemy but rather as a brethren in fellowship in our world full of unknown possibilities. For it is written in the scripture to LOVE each other. LOVE and TRUST goes together as husband and wife. For we cannot LOVE if we dont TRUST.

However, it is true that only few of those people we meet along the way really are worthy of our TRUST. Many are simply there to take advantage on your weakness. Sometimes even the people we invited to our table to dine and drink with us would leave us and take away the belongings we have. It is a hidden truth that those whom we considered to be our friend, or could be our ally in terms of raging conspicous human battle is actually a bomb that will explode to distroy or take away everything that we have.

It will never be easy to identify those who are unreal. Never trust a man who speaks foolishly nor should you invite a person in your house who are boastful. Above all, the most dangerous of them all, never TRUST a person who speaks flowering word. There are people who pretends to be a friend, concieve by good words and definitely a mask of a good man. These are the one's who will attack you visciously when you are in their trap.

The Voice Within

Have you ever experienced sitting down in the middle of a cold black night not thinking of anything maybe puffing a cigarette with a bottle of beer. Enjoying the melodious spund of the cricket, the baritone bark of your neighbor's dog, the high pitched sound of the cricket.

Suddenly, out of nowhere, a question pops out of your mind. This could be a random question like why I failed my English subject? Or questions like why aren't you attending your Sunday Church service or why are you going to church? Questions you never imagined just popping out of your mind.

Psychologist may say, that it is your subconscious mind talking pastors may say it is God's way of reminding or talking to you.

Since this questions just pops out, more often than not they're left unanswered or even ignored.

It happened to me once, and I am left hanging asking myself if this are by products of my imaginations or this are questions buried under the realm of my subconscious self. Or was it really God's way of communicating to me.

Months has passed and then same questions has crossed my mind. Then came series of related questions started to flow in my mind.

I am amazed how brains works. I am not trying to ask question I am just puffing my cigarette then it coined serries of words formulating into questions I never imagined asking myself.

I came to realize somehow that it could be God's way of talking to its people through our mind in our most unexpected way. Could be His own way of guiding its people to His plan.

These questions, so simply and yet so powerful. I believe that this questions could lead the person to a total transformation or a rebirth of that person to new persona.

Then I asked myself, could this scientist and engineers gone through same situation where they were alone sitting at their porch enjoying their own coffee came across a simply question and transform them to the birth of Albert Einstien upto Steve Job and Bilm Gates?

A question they are willing to answer that totally changed them and become who they are destined to become or should I say a rebirth from their oldselves and become what God has planned them to be.

What about you? Did you ever experienced the same situation? Did you ever try to find out what is it for you? Did you believe it is God's voice talking to you through your brain?

I believe in God as my saviour and my creator and that he has His own way of talking to His children.

Share yours via the comment box.

ANG ATING PAG-ASA

"ANG ATING PAG-ASA"
BY: MARK ANDREW SALES PADILLA

Daan tungo sa tagumpay ay lubhang matarik at mapanganib
At marami ang sa atin ay pilit na hahatak pababa
Huwag tayong mawalan ng pag-asa, umiyak man tayo taas noo parin lalakad
Mga mahal natin, kaibigan sa buhay pataas tayo'y kanilang itutulak  Linangin natin ang taglay na kakayanan
Gaya ng mamahaling ginto
Na kailangang idaan sa apoy para masuri ang taglay nitong kapuruhan
Di magtatagal at tayo'y papaitaas
Huwag tayong sumuko, huwag nating itigil ang laban dahil kasama natin ang Diyos na mananagumpay
Tagumpay ay halos abot na natin
Pumailanglang, panatilihin ang lipad na may kapayapaan
Sabi nga nila tiyaga ang kailangan
Haluhan natin ng sipag at dalangin ng may pananampalataya sa Diyos
Mga pagdududa ay dapat nating  lupigin para
Makamit natin  ang magandang hangarin
May mga panahong walang kasing hirap ang mga pagdaraan natin sa buhay
Pero sino ang nagsabing ang buhay ay madali?
Pintuan ay bukas, maging maagap lagi tayo
Dahil sa kabila nito'y kaligayahang di malilip ang sa ati'y lalapit
Kapag ang ating mga pangarap ay napakasamay na
Huwag kailanman kalimutang lumingon sa ating pinanggalingan
Tayo naman ang sa iba ay luminga
Tulangan natin ang iba sa kanilang pagbangon
Ngayon na nasa rurok na tayo ng tagumpay
Kayakap ang pantasyang ating pinangarap
Manatili tayo sanang sa lupa nakatapak
Na may pagpapakumbaba sa lahat.

YAYA DUB and Lola Nidora O+ Commercial

Time and again, YAYA DUB Maine Mendoza is conquering the advertisement industry as she was casted and starred in an O+ Commercial together with her beloved lola, Lola Nidora.

Here's the Addvertisement!

September 26 2015 KalyeSerye Sets New Record

The ALDUB Virus continue as nitezins talks about the episode.

This is the episode by far that breaks alk records and ended the day with 25.6 Million tweets in 24 hours.

Alden Richards cried when he sang God Gave Me You as he cannot contain the emotion. The audience and fans cried with him. "ALDUB Nation alam nyo naman I love you all. BUT I dedicate this song to Meng", he said in tears.

BRYAN WHITE PHILIPPINE CONCERT

Country singer Bryan White posted his video message thanking ALDUB for using his song as part of the show.

Four days ago Bryan tweeted "coming to see you soon" as Aldub Fan tweeting if he is coming here in the Philipines.

September 26,Ken McMeans Presents responded to an Aldub Fan that Bryan White is coming to Philippines. Official announcement in less than two days!

I will update this when the big day is announced.

UPDATE: SEPTEMBER 26, 2015

BRYAN WHITE announced in his twitter account about the much awaited "GOD GAVE ME YOU" TOUR BRYAN WHITE LIVE IN MANILA!

Happening at SMART ARANETA COLISUEM on DECEMBER 1, 2015 at 8:00 PM.

ALDUB NATION WILL DEFINITELY ROCK ARANETA COLISUEM ON A MOMENTOUS DAY!

Selling of tickets starts on OCTOBER 1 2015 in all TICKETNET Outlets or online reservation through their website

www.ticketnet.com.ph

TIP: Reserve EARLY!

CELEBRITIES JOINS EAT BULAGA NATIONAL PABEBE WAVE DAY

Following the success of Eat Bulaga's very successful KalyeSerye segment as their official hashtags reaches millions of tweets everyday.

Eat Bulaga launches September 26, 2015 as the National Pabebe Wave Day.

Here are the celebrities who joined the call:

GMA NEWS AND PUBLIC AFFAIRS

ERIKA PAGE WHITE

She posted in her twitter account: "Here's my #Pabebewave! Love to you all!" She even tag Alden Richard and Maine Mendoza twitter accounts.

 BRYAN WHITE

Country singer Bryan White showed his excitement by posting his photo in Twitter in Pabebe Wave. Bryan is the original singer of GOD GAVE ME YOU which is being a huge part of Alden's dubsmash singing it to YAYA DUB.

ALDUB HASHTAG BREAKS RECORD

#ALDubEBforLOVE is the official hashtag for EAT BULAGA's KALYESERYE segment. The hashtag was released midnight of September 26, 2015 and that very hour ALDUB NATION (refers to ALDUB Fans) tweeted thier excitement and in less than an hour the count skyrocketed to a million. Then it grows sporadically as time flies until 11:59pm where it reached a 25.6 Million tweets.

ALDUB NATION got so excited and surpass their own record on ALDEN AND YAYA DUB first date.

The key take away of the episode are:

1. REVIVE THE OLD FILIPINO VALUES in courting. Lola Nidora's condition to Alden are Filipino values in terms of courting a girl. The conditions are: no touch, gift to lola, and one feet apart. Even the Catholic Bishop of the Philippines lauded Kalyeserye because of the values it teaches to their audience.

2. RESPECT was also taught in this episode. Alden taking off his shoes, Alden not sitting when not offered, Alden bows to the elderly are all signs of being respectful and being a real man. You'd never gain trust to anyone when you are disrespectful.

The kilig factor of the serye is the cream of the crop.

By far, ALDUB NATION is not only making history by having the number of tweets and most viewed episode in Philippine television but also making significant impact in Philippine society. ALDUB PHENOMENOM has a greater influence in mainstream media and social media alike. This is by far the most organized social media campaign. I am sure businesses and social media experts are looking into each success of both the loveteam and their fan based.

Why ALDUB is successful?

1. Cooperation. It is the key differentiator to its competition. The fans are well organized in supporting each campaign on a daily basis. They cooperate with the trendsetters to ensure the correct campaign is implemented. As with the show, supporters also embody the true meaning of a Filipino culture, BAYANIHAN.

2. Values. The show in itself contains Filipino values that even parents and all viewers would rather choose to watch. Even the Catholic Bishop of the Philippines would tweet and appluade adding to the social and public awareness of what the show is all about.

3. The actors simply executes true emotion as there was no lengthy scripts only instructions from the directors and creative team of the show. This will draw more curiosity to its veiwer. Its does look like a reality show of true feelings.

How to Deal with Haters on a FAN STAND POINT

PHOTO CREDIT

The social media is a powerful tool in the twentieth century. Twitter, Facebook and Instagram are the top three social media where everyone can say about anything to anyone. They simply can either make or break someone elses career. This year, Philippines premier NOON TIME SHOW EAT BULAGA is making a big wave in social media on their accidental love team in a KALYESERYE Segment.

The birth of ALDUB is merely an accidental match up of actor, host, and recording artist Alden Richards and the YouTube Sensation, The DUBSMASH Queen of the Philippines Maine "YAYA DUB" Mendoza. Their fans made sure they talk about them in social media and they made sure they trend everyday! They also hold the highest number of tweets in 24 hour making at least 12 Million Tweets. Their undeniable popularity, their social media popularity is now being talked about from politicians to newspapers. However, there is also a growing number of bashers and haters from different shows of the other network.

In my standpoint as an ALDUB FAN (gosh I can't believe I called myself a FAN for the longest time I was never a fan of anybody LOL), the network war is either instigated by a severely damaged / rapid downtrends of viewership from the other show due to popularity. Its business so they really have to do something to either retain their viewers or to at least make sure they survive until the chaos die down.

Every fan should be made aware that there is no need for clashing. That the bottom line of everything is simply enjoying what we are watching.

Here are some tips from my point of view:

1. RESPECT - Every fan should never say or compare anything about the competitors show. That is their show and that their creative team has done a lot of effort prior to the show to make sure they will deliver what is asked for the show. Their concept is undeniable good so respect that.

2. PERSONAL ATTACKS - NEVER EVER RESPOND to haters and bashers who attacks you, your fandom, or your IDOL on a personal basis. This is a trap. They wanted you to respond they wanted you to react. So once you react you will now become the looser. They can always delete what they posted and make sure you appear as the person who attacks them first. It gives a bad publicity to your own idol. You are the reflection of who your idol is. Sad but true. I heard comments like "siguro ganyan si ganito ganyan kasi fan based nya eh". I am sure you dont want that. 

3. TAKE CRITICS LIGHTLY - you cant go away with critics. So instead of lambasting them why don't you take it as a mean for you to grow. If you think it is too personal then ignore it. Words are strikingly painful but always remember they don't know you and they are only saying things about you based on their wicked knowledge.

4. DON'T FUEL A FIRE - the best way to win over a person who is lambasting you or your idol is by simply being calm, ignoring, and if you ever need to reply. Simply reply it with GOD BLESS YOU and that's it. Also, there is block and unfriend button. If you cant take it anymore simply click on those buttons. You have more important thing to do than listening to the rants of a looser.

5. PRAY  - When you are upset, always pray. Remember the moment you talk back to this basher and haters you now become the looser not them because you allowed yourself to be trapped they set up for you. The best way is still to pray to calm you, to shower you with tons of patience.

GERPHIL FLORES is Asia's Got Talent Song Bird

"The world will gonna know about you!"

- David Foster

Gerphil Flores is definitely astonishing. She graced and serenaded the Asia's Got Talent Stage. There are so many things I love on Gerphil's aside from the powerful voice, I also love the gown she wears. Truly she is a star in the making. Her astonishing voice is just one of the best voice's I ever heard in the Asia's Got Talent stage this season.

ASIA's GOT TALENT - EL GAMA PENUMBRA

"The possibilities of messages that you can put is endless. And tonight you raised awareness of how important the mother nature is and animals more than ever. Our job as entertainer, we are here to entertain people but if we can raise awareness on subject that really matters that makes our job more noble." - ANGUN

We see entertainers as glamorous, elegant and a whole lot of interesting and beautiful things in them. But I must agree with Angun, because entertainers are not only for glitz and glamour instead they should be delivering performance not only to raise money for their bank accounts but also to raise awareness to issues that matters.

El Gama Penumbra is definitely a team to beat for Asia's Got Talent!

Suze Orman and Reason why I like her

Financial Literacy has not been my focus since I started working. However, few years ago, I happen to stumble upon the Suze Orman Show. At first, I simply just watch because I don't have something to watch early in the morning.

After that, I am falling in love with the whole concept of the show. The topics may be in the US and living condition may be in the US and I am in the Philippines but I am learning a lot because MONEY is a UNIVERSAL Entity.

My most favorite is the Can I Afford It and Approve or Deny. I have learned a lot from this. Though Philippines doesnt have the 401K or ROTH ROI or any other stuff the US has. It did made me realize that SAVINGS and preparing for my retirement, investment, health, emergency fund is definitely a need. I already new all these stuff and I thought of doing it when I reached the age of 40. Which is incredible incorrect and I am setting up myself in a RETIREMENT DISASTER.

The Suzy Orman Show, has made me all these realized. Emergency Fund for example. I thought that 3 months worth of expenses is already good for an Emergency Fund. However, Suzy is contradicting it and making it 8 months. Which if you are going to annalyze the current situation, she is making sense and YES it is better to have an 8 month secured while you are looking for a job or you got sick and need sometime to recover.

I think 3 mos of Emergency Fund is OK but why stick to 3 months when you can actually have 8 months to secure yourself.

Next key learning for me is the importance of having an investment. Before, when people say investment, I would immediately think it is house, car, jewelry, etc. I never thought about stocks, mutual funds, or any other long term money market fund. It is in the show that I heard Mutual Fund First that made me realize I need to have one too and make it long term...

The influence of the show to me is to step back whenever I am about to buy something and think if I can afford it. Well, I should have watched the show earlier then I may not be regretting now. At least, right now I am working really hard to get myself out of debt and start building my net worth. It will take time I guess. There'd be a lot of trial and error but I think that's what life has got to offer at least I am learning on something and making adjustments on my lifestyle and wishing that someday i'll get APPROVED. For now, I am ok with DENIED!!!! and start building my future's savings.

Jennifer Lopez Astonishing Performance

This video is worth sharing! Awesome and Incredible!

Jennifer Lopez performance is already astonishing as it is. I love her showmanship and definitely her owning the stage. After watching this performance it definitely made my jaw drop with the creativity of the Light Director!

Amazingly beautiful, and artistic!

Credit to American Idol

Binibining Pilipinas 2015 Personal Top 10 Picks

Finally, the day has come to choose the most beautiful Filipina in the Universe. Hahaha in other words, its BB Pilipinas competition again. As usual everyone has their own top picks... and so I am. I simply choose the profile of the candidate based on my first impression. The impression that she can make the cut to the international scene. Basically as I see their picture my requirement is, her connection to the camera and to her surrounding. The expression on her eyes, her posture, the language spoken without the words.

So here are my Top 10 picks. In NO PARTICULAR ORDER

Who among the ladies will reign supreme during the Coronation Night on March 15 at the Araneta Coliseum. Buy your tickets now at www.ticketnet.com.ph

Photo Credit to Binibining Pilipinas (Official)

Personal Equity and Retirement Account

Dont let your money sleep in a piggy bank. Let it grow. Enroll now at PERA

When I look around me I just realized that there are a lot of Filipinos who actually depend on government retirement benefit and witnessing them struggle at their twilight years is somehow heart breaking. They depend on their relatives during this year.

When you listen to their stories, some of them has a better paying job during their earlier days. They were able to help some relatives go to college or help them on their wedding days or gave them money to send them abroad and story goes on. For me, I wanted to grow old and totally financially capable in paying off my bills and hospitalization. A friend told me that I have to start saving for it. I must admit that saving is such a difficult more so if you are not accustomed to it.

With the re-birth of Personal Equity and Retirement Account otherwise known as PERA, I believe that it will help the working community ensures them of a better retirement plan. The idea is for you to save money through accredited banks, brokers, or mutual fund company or insurance company. Note though that, you must only apply to accredited parties to avoid fraud.

Who are qualified?

For as long as you have a Tax Identification Number, you are of legal age then you are qualified. The earlier you start establishing your PERA Account the better. An individual can save up to Php 100,000 in a year and you can withdraw the said amount plus any additional earnings surrounding it once you reached your retirement date. Overseas Filipino Contract Workers are also qualified for up to Php 200,000.

Can I withdraw Earlier?

Basically, the answer is YES and there will be surcharges as well. Plus, you will be paying all other benefits like the 5% Tax Credit. There are some exemptions though on this rule: 1. Payment for any accident or illnesses related incidents duly authorized by the doctor. 2. Permanent Disability but needs certification from government agencies like SSS and 3. if you transfer the withdrawn amount to your another PERA account 2 working days upon withdrawal.

If you meet those 3 criteria's then you don't have to pay those charges.

Benefits of PERA to YOU?

Its an investment that will ensure you to have a saving at your retirement age is definitely the main reason for me why you must be a PERA holder. It gives you assurance that when you reach the age of retirement then definitely you will have a money to cover for your expenses. One Hundred Thousand is not enough but at least you have something that can help you.

Another importance of having the PERA is you will have a 5% annual tax credit. That's another good thing. Whatever discount from the TAX I think is a good thing and an advantage.

Your money will gain because the fund manager will be investing your money in so many forms.

Please note: I am not a PERA Expert nor work for any of the fund managers. I am simply expressing my idea and giving first hand idea. Please visit any PERA Accredit fund managers, banks, or insurance company. Please also note to only contact those who are accredited. I suggest BPI for setting up your PERA Account.

For more information: BPI PRIMER