Friday, December 21, 2012

Mom Living One Hundred-Years

     I'd like to dedicate this article to my mom and to all mothers out there. This is just an idea of mine wishing God to let my mom live one hundred years.I want her to see more of my accomplishments/surprises for in the coming future. Saving for these activities/plans needs time and preparation. I'm running out of time. She's in her mid-sixties and retirement period. By the time I'm 30 probably she's in her 70's.

     She made a lot for me and I want to make a lot for her too. She probably doesn't ask for it but in return to her goodness, I'd like her to live  30 years more. Working in an environment where I witness different fatal diseases makes me worried that my mom will be taken away from me anytime .

     My mom is a single parent since 1998 (after my father died of aneurysm at the age of 49 or 50). She raised her 4 children working as a librarian in a government institution. This is one reason why I think mothers should not be a plain housewife. I believe that women should also be prepared and well educated before getting married. Working is a must so she can support her family in case the husband dies.

     When my dad died, an amount of money was received. She used it to buy educational plans. I believe she also started buying life insurance for she knows that a it's not a joke to spend thousands for a funeral. Knock knock on the wood. 14 years has passed. Thank God for lending her to us till now and thank you for more years to come.

     I was ten when the incident of losing a father happened.
Life was never easy before. I remembered when my mom used to wear those black clothings for a year and still be able to bring us out every sunday after mass just to divert the pain barely looking at our home without a father. There were times she cried a lot but her care for us was never been affected. 

     She is strong. She is not the crying emo-type. If others get depressed the whole time, she started going back to work as a teacher and librarian. She was already planning about the future, her children's future.



     I would always remember the times when my mom would do something for us not to feel such poverty. In rare cases, she would be buying  viand in exchange of a bunch of banana grown by her at the back of our house. She would be making charcoal out of crumpled-soaked-and-dried paper for us to use just incase we no longer have gas and I remembered cooking with those for two to three days. I would also remember when I was in college wherein she cried because (I brought some of my groupmates for an overnight to finish our project) we don't have gas and enough food to serve. So she did the same thing giving a bunch of banana to the store owner and promised to her that she'll pay when the salary comes.

     This is not always the case. We tasted brand new clothes and shoes. We tasted great foods. During Christmas bonus, she would give us 500 pesos to buy what we want for Christmas. We were never taught to spend much on something we really don't need. Buying a school shoe not until the old one is torn was her way of teaching us the value of money. Not spending much on our birthdays helped her save for our allowances and baon in school.

     I would also remember looking at her pay check with only an amount of 3,000 php left with all the deductions of her loans (she built a house for us in case she will be retiring), GSIS, and all other stuff. Salary comes every fifteen days. I would be asking the same question every fifteen days. Well I was wondering how come this happens. My mom is working in a State University, with masterals degree, with PhD (finished at her late fifties?). How come she receives only this? Anyway, I would be excited to accompany her to buy groceries thinking that there will be some extra penny for my wants. We ended up buying the usual needs- sugar, salt, a kilo of pork, a kilo of chicken, two canned-goods (tunna is my favorite), a bag of powdered soap (yes we have a washing machine :)) soy sauce (silver swan brand) , vinegar (datu puti brand), shampoo, toothpaste, if there still enough penny I would ask her to buy hotdogs (with cheese is what I like the most), my favorite banana bread (with cinnamon and nuts) and some others. But if no extra money, I would just enjoy looking at the different goods around, smell the different fragrances on the soap section (ariel was our favorite), look at those breads and just swallow my saliva back.I patiently carried our baggages back home and realizing she's carrying the biggest bag. Maybe I was thin that time and not strong enough to carry it or maybe just because it's her instinct that she doesn't want me to get tired that much. I tried once to carry the biggest bag myself but ending up saying , " Mama, agsukat ta haan ko kaya. Alaek na lng to no malpas ijay crossing".

     My mom was 2 inches smaller than me. She's 5 footer and a skinny but not on the abdomen area (excess fat on those area related to four times pregnancy). My mom is whiter-skinned than me even if many times she would be working on our backyard garden under the sun. You can consider her mestiza during her younger days. Probably thanks to chinchanzu (chinese face cream).  I tried it myself before but I don't like the smell and sticky feeling in my face.  She doesn't wear expensive clothings. Most of the clothes she wear are from the famous Ukay ukay bands.  Buying inexpensive make ups is also of her thing. Just simple with her well color coordinated clothes.

     So I went asking how come we live well being able to eat three times a day, have decent clothes, go to a private school in college with three thousand pesos for every fifteen days. This is not exaggerating. She explained to me in laymans terms that she had a lot of loans. Loans for our college funds, our two-storey house with an attic (the family loves attics as passed over by dad's love for attics), allowances and the like. Living in a semi- city needs a lot of money. A lot of goods needed and temptations to spend your money. But because we know that we aren't that rich enough, we never asked that much. I started college with 50 pesos allowance (that was already enough for a budget meal lunch and back and forth fare) and so with my big brothers. I already received hundred pesos when I was in 3rd year college. We had curfews at home, whenever it's dark, it's time to go home unless there some activities needed to go home late at night (no need to explain). At home, our viands are not ea- all- you-can buffet style. If we have fried chicken, one medium sliced is enough for you to have something tomorrow. There are some things not needed to be explained. We were taught how to be thrifty the indirect way.

     My brothers and sisters were successful saving from their daily allowances except me. they were able to buy their gadgets on their own. My cellphone were only secondly handed to me by my brother. I tried to had my own piggy bank but ended up opened for a buying some thing I like.

     But how come? How come my mother was able to bring us up without feeling so poor? I know of some people who are richer than our family but not able to fulfill their children's wishes to go to a private school.

     I didn't ask her directly but these are some of the answers she brought up:
1. Be thrifty! Do not buy unnecessary things but rewarding yourself once in a while is not a bad idea. Save as much as you can.
2. She spent thousands of pesos on our college funds which we were able to use once we reach college.
3. Loans, and direct utang. I don't know if there is someone who is utang-free. You just have to learn how to classify good from bad debts.
4. To be able to spend more for important things, you must spend less for less important things.
5. She tried her best to be thick-skinned or in local term kapalan ang mukha to ask for help to other people just like what she did to exchange a bunch of banana to a viand or ulam.
6. Be creative in recycling or upcycling things.

     
    Now that we all graduated and out of her house. I think it's time to plan what I should instore for her.

     I pray that God will give her longer and make healthier this coming years. With a longer span of time, I will have a longer time to prepare well for her future (just like parent planning for her child).

     Here are some of the plans I made to keep her smiling and in return of her efforts. I can never repay her outmost care and love just like she did but I'll try my best to do them.


  •  Bring her to another country for a tour at my own expense (atleast twice) and another touring locally (atleast twice a year or more). 
  • Celebrate her incoming birthdays a memorable one.
  • Build her a house or finish our house that was started by her
  • Give her atleast two grandchild or more (of my own) for her to spoil 
  •  Give her the freedom of buying the things she likes
  • Give her a garden to tend to whenever she is bored
  • We'll have a hundred dates together.
  • Let her taste to most delicious food in the world (eating in Singapore or Hong Kong
  • Jogging moments or brisk walking together and stopping by a bakery to eat some pandesal
  • and a lot more, big surprises ahead!
     I know she suffered a lot in her past and I just want to let her feel we loved her that much even if we don't often say it in words.

      How about you, how do you plan to return back the love to your mom. I hope I inspired you in a way. Plan it and make your mom live a-hundred-years or more.

      I'd like to dedicate a this song for all mothers out there who made their children proud.
Lyrics | Boyz II Men lyrics - A Song For Mama lyrics

I am Yvonne who is a netrepreneur who is willing to help others. Please feel free to check my About ME page.

Thursday, December 6, 2012

"PASALUBONG AT KUMUSTAHAN"

While I was watching ANC On The Money, a question from an OFW was raised up and it asks,

" I'll be going home in the Philippines. My family and friends are expecting me to shoulder the money that will be used for the incoming occasions. My question is, should I start hiding myself?"

     Most of the people left in the country expects an ex-abroad to have saved a lot of money. But they wouldn't have known that at the back of these ex-abroad workers are scared of that expectation. We'll it's not that they have nothing. Most of them would have saved for a more important thing such as their children's education, house and lot perhaps, bills, life insurance fees probably and other things.

     Filipinos have one characteristic famously known as "Pa-libre naman jan attitude". This happens usually when a person achieved something then someone says ti him/her "Pa-burger na yan". Sa kabila nito, dahil masaya siya, nagpaburger nga. This is something nice in a way that we get along and celebrate things in life. This also applies to OFW's and most of their family and friends says "Pasalubong ko ha! Size 7 (mentioning his shoe size) ".

     Kaya ang ibang OFW ay nagtatago. Hinid nila pinapaalam na nasa abroad sila. Pag umuwi hindi rin pinagsasabi. Nope! This aren't tips guys!

     Let's go back to the show On the Money. The guest's answer was,

" You don't have to shoulder every occasion that comes. Be polite and honest to them that this is the only budget I can share. Like for example, I can only give an amount of php 5,000.00. That's it."

     I would like to add. If you can prepare pasalubong before going home, then that would be nice to show that you have thought of them while you were away. Pasalubong doesn't have to be expensive. Remember that you don't have to show off.

     Welcome party doesn't have to be extravagant. It is always nice to tell your family at home ahead of time that you don't need a big party. A simple get together with kumustahan para makabawi sa mga araw na nagdaan, is already a big event in your life. You could always suggest to them specific filipino foods that you would like to eat that you haven't eaten for a long period of time. 

     I hope you enjoyed reading. Sa mga OFW, masayang pagbabalik. At sa mga naiwan, gawin sana nating masaya ang kanilang pagbalik at hindi perwisyo sa paglalabas ng pera and kanilang datnan.

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GENERATING INCOME FOR THE FUTURE

     Short term career(contractual basis) like being in a three year contract scares me. This is what's happening to OFW's. After the contract, they have to find a new opportunity to support themselves or their family. In short, it means that a person who have worked abroad is not equivalent to a bottomless- ice- tea promo in TGIF restaurant. But if you have prepared well, with goals and priorities in life, you'll be able to provide.

      If you don't have a job to land in in the first few months, you should have prepared for it. Around 6 months-1 year atleast should be provided/covered by your savings to provide for your needs and for your family (if incase you have to provide for them). If you have applied earlier while your in the contract and luckily you got the job right after the contract then well and good.  
   
     Knowing this case scenario, it would atleast lead you to a far better ideas on how to generate your income.

     From Nannette Ferreria's (Director, MoneyDirector, Inc.) point of view, 

"Saving is not the key to being wealthy but knowing where to put your money will make you wealthy."
     She is just saying that saving your money in the  piggy bank won't generate your money. Almost all of the financial advisers would mention about about investments. Among the options are mutual funds, opening up a business, stock investments. However, all these mentioned above take risks.  

     
     Here is another catch. Do not ever go into something without consulting an expert/ experienced. Knowledge is always a must when entering something. When you say an expert, he/she must be in the field. Examples of which are financial consultants/ advisers (which are licensed), entrepreneurs who have engaged into successful business, or even your supportive parents can be an experienced when it comes to money.

     Generating income is not as easy as it seems but starting earlier would be a best option. Starting early like while you are still single is another better option. 

Plan now and act now. Going back home and meeting the family  after a three year contract work abroad is such an exciting thing. But being able to provide (not to provide for bonggacious occasions) is such a sweet thing.

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Monday, December 3, 2012

Dumb Ways To Die

I watched a very cute cartoon music video about dumb ways to die. It quite entertaining actually. let me show you the lyrics and video below and learn from it.

Please don't get me wrong, I'm not actually telling you to do this. It may look simple but in real life, you won't want to experience it. 

Live life!

Dumb Ways to Die

Set fire to your hair
Poke a stick at a grizzly bear
Eat medicines that’s out of date
Use your private parts as piranha bait

Dumb ways to die, so many dumb ways to die


Get your toast out with a fork

Do your own electrical work
Teach yourself how to fly
Eat a two week old unrefrigerated pie

Dumb ways to die, so many dumb ways to die


Invite a psycho-killer inside

Scratch your drug dealer’s brand new ride
Take your helmet off in outer space
Use your clothes dryer as a hiding place

Dumb ways to die, so many dumb ways to die

[ Lyrics from: http://www.lyricsty.com/tangerine-kitty-dumb-ways-to-die-lyrics.html ]

Keep a rattlesnake as pet
Sell both the kidneys on the internet
Eat a tube of superglue
“I wonder what’s this red button do?”

Dumb ways to die, so many dumb ways to die


Dress up like a moose during hunting season

Disturb a nest of wasps for no good reason
Stand on the edge of a train station platform
Drive around the boom gates at a level crossing
Run across the tracks between the platforms
They may not rhyme but they’re quite possibly

Dumbest ways to die ie

Dumbest ways to die
Dumbest ways to die
So many dumb
So many dumb ways to die

Be safe around trains. A message from Metro 


 


Lyrics | Tangerine Kitty lyrics - Dumb Ways To Die lyrics

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Monday, October 29, 2012

How to Create a Blog Account Using Blogger.com


Blogs. 
Blogging. 
Bloggers.

Page.
Posts.
Website. 

These words are now my bestfriends. Blogging is now becoming my hobby for the past two months.

I just started my blogging 2 months ago. I am happy with the results. I always track how many pageviews I have everyday.  It's so funny that everytime I look on the graph, it's like I am reading an ECG. On the other hand while in the hospital, I smile everytime I see an ECG paper imagining my dashboard.

I am happy that people read my stories and I hope they get something from it. 

Some of my friends already asked how to blog. Now I am going to tell you how I started. Before blogging, my intentions were to announce that I am having a business and trying to convince other people to join me. As I go along, I realized that I can help other people by blogging on helpful articles to inspire them about nursing, tithing, blogging, healthy living, and many others. For others, blogging is now a trend to inform other people when it comes to :

        finding good destinations for a vacation without paying much,
        recipes to die for,
        how to invest,
        how be beautiful,
        how to take photographs,
        and many more...

If you are a writer or have passion in writing and want to influence/help other people by informing them thru blog writing, this might be for you!

Ok, let's begin. Below are the step by step process on creating a blog account in Blogger:

1. Firstly, you must create a google mail account.
2. Secondly, log into Blogger.com using your gmail account and password.
3. From there, you can now start creating your account.
4. Fill up the title (title of your blog site), address (your name).
5. For the template, choose from the various templates shown. You can start selecting with the simple templates.
6. Click on "Start Posting" beside the line "Your blog has been created".
7.Now you can start posting your first blog filling in the title box.
8. You can now work on your first article. Then click "Publish"
9. Now your first article has been made. Congratulations.

Mr Manny Viloria, my coach when it comes to blogging made a visual step by step process on how to create a blog account using Blogger.com.

Please click the link below to learn more about it
Profitable blogging by Manny Viloria

If this article happens to help you start blogging, please support this by clicking the like button on my fanpage
        

Saturday, October 27, 2012

Bo's Maid is Richer Than I!

It is true that Bo Sanchez' maids is richer than me and it could be richer than most of us.

Last year, I subscribed a free ebook from Bo entitled  "My maid Invest In the Stock Market." At first, I was so amazed how Bo did that, and not to mention how his maids understand that. He taught his maids how to invest. Hmm, how could that be possible? I once tried to open and read an article about Philippine Stock Market, and oh no! Like I can't even understand any single statement. As Bo described it, " the dialect spoken is from the planet Uranus!" okay never mind, but I'm willing to learn.

Just yesterday, after opening my email, I was so happy to be updated about the maids! The controversial maids. Bo informed that his maids are richer than many managers. Can you imagine that? Well, I say including me who is payed a higher salary than them. I think I'd like to apply to Bo as his children's nanny or private nurse. Maybe I'll be happy to be guided to my stock investment as well.

In the email, it says there that his maid invested three years ago. Then, I begun calculating. Ist year... 2nd year.. Ok it's been two years when I got a regular paying job (it's not that high payed- a starting pay if you are curious) then after another 9 months, my contract will be ending! Hello world!

I started asking do I have enough? Did I save enough?It won't be easy to start again. Yes, Bo's maid made more enough money than me!

I should start now! I just invested on Truly Rich Club. Being a member of this club has made me excited to wake up and check my email and the member's website. I am not only informed about which company to invest in but also my faith is being supplied with useful articles Bo has made.

 By the way for your information Bo is a lay preacher. I consider him as an inspiration and also for many. He speaks like a fountain overflowing with dreams and faith and animated stories! He is not the typical preacher. He brings bible stories to life and understandable! He has more characteristics to mention.

Anyway, if you are interested about investing in the stock market. Well I am encouraging you but this does not apply to all. As Bo said, this is for people who have regular job or regular income. Please click the link below to learn more about investing and be richer than the maids of Bo. Isn't that challenging?

Truly Rich Club

P.S. I am not telling everybody to become rich! It is beyond getting rich and having all the things you want in the world! Bo Sanchez is not keeping himself billionaire just for himself. He is one multi billionaire using his money for his missions and charity works. Not to mention, he is not receiving any from the tithe payed by the church goers.  To learn more how he became rich and why he wanted to be rich please click this link Truly Rich Club

Be a member like us who wants to donate millions for the charity! Crossing my fingers!

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Wednesday, October 24, 2012

When SALARY Comes: Budget

Have you ever told yourself, "When I'll have enough money , I'll be buying this item. And this thing,  an olympus pen digital camera" pointing to a dress and a camera while having a window shopping in the mall on a monday afternoon.

I want one. photocredits from google images.


Have you even asked, "Why is my financial status seems to be so depended on receiving my salary at the end of the month?" It is all depended at the end of the month, when salary comes.  

The next day, your relative or friend texted you, "Yvonne, friend/cuz, I'm in need of something....I'll be needing your help. Since nasa abroad ka naman, baka pwede kang mag-pautang."

Oh yes! Ok, planned out. The other thing on my list to buy must go for now. I'll be buying it the next month kung sale pa. Since friendship or relationships are far beyond important than that pretty dress I have been wanting. Oh my gosh! I have been imagining that dress be worn on my most special day as a reward for a job well done. Job well done? Yes! Give me an applause for working hours of walking, talking, cleaning the patients mouth, giving him/her food. While the others sit back on their chair, drinking coffee, I work and work and work. Well, I'm dedicated. That's it!

Let's go back to the main topic. Ok. Most of us are not stable, even if you say you are regular on a job. Their are lots of things you need to pay or to save for.

Bills.
Load Credits.
Internet Bills.
Tithe. (Uhuh, it works wonders when you give back to God)
Food.
Water. (we are not provided with free water. In the middle east, water is high-priced.)
Clothes (winter is coming up, i needed to jackets /sweaters and socks)

This is the reason why I am encouraging you to save! Put aside for emergencies.On my next blog, I'll be writing about how one of the wealthiest entrepreneur budgets his own money and how he started. I'll be writing about the popular Mr. Eugenio Sanchez or known as Bo Sanchez. How he started to be a poor missionary and becoming a rich missionary using his money not for his own good but for his humble missions of spreading the Gospel.

Before closing this article, I encourage you to visit my about me page to learn more about me and what opportunities I joined in by clicking  Yvonne Tugunay

 Also try clicking this, Truly Rich Club

To be updated on my articles, please click my fanpage below by clicking the like button. I am using my fanpage to post my inspire people and to share my knowledge about health.