FREEDOM !!! by Chinkee Tan

Anyone of you who have seen the movie BRAVEHEART?

This is one of the most unforgettable movie I've ever seen, especially noong nahuli si Mel Gibson sa last part ng movie. When he was about to be executed, bigla na lang siyang sumigaw ng, "FREEDOM!!!"

Noong napanood ko yung eksenang 'yun, my eyes uncontrollably perspired, because real men don't cry, their eyes just perspire.

Sobra akong na move at na touch sa movie, that I told myself I want to be just like ‪#‎braveheart‬.

Hindi magpa-execute, pero I want to be free.

Why Chinkee, are you not free?

I may be free roaming the streets of Metro Manila but if my wife sends me a text and ask me to buy a can of milk; when I reached into my pocket with no money, I am not FREE!

When my parents get sick and they need to be hospitalize and I don't have enough cash to admit them, I am not FREE!

When my kids need to be enrolled and if I don't have money to enroll them, I am not FREE!

Everyday, all of us are fighting this battle. Kung hindi natin gawan ng paraan para labanan at maging malaya financially. We will be financially trap and be in debt for the rest of our life.

We need to educate and empower ourselves with new ideas and information kung paano tayo makakapag-isip ng magagandang ideas na madagdagan ang ating kita.

We need to learn how to save and budget para hindi tayo mag-over spend at matutong to live within our means not beyond our means.

We need to have self-discipline na hindi tayo bibili ng bagay na hindi natin kayang bilhin at mangutang para makuha lang ang ninanis.

If you share the same passion just like I have at kung gusto mong tuluyan maging FINANCIALLY FREE at DEBT-FREE, pero hindi mo alam kung saan mag-uumpisa at walang gagabay sa iyo.

I want you to watch this FREE VIDEO http://bit.ly/1AZsjDW para malaman mo kung papaano!

source: chinkee tan

Delayed Gratification Leads To Financial Freedom

ANO KAYA ANG PANINIWALA NG MGA MAYAYAMAN THAT MADE THEM RICH?

Naisip mo na ba kung paano ang pakiramdam na magkaroon ng maraming pera tulad ng mga milyonaryo?

Kayang-kaya mong kumain kahit saan, bumili ng kahit ano mang bagay at pumunta kahit saan mong gustong pumunta.

Magandang isipin pero mas maganda kung ito ay magkatotoo.

ANO KAYA ANG PANINIWALA NG MGA MAYAYAMAN THAT MADE THEM RICH?

THEY ARE HUMBLE

Ang kanilang mga paa ay laging nakaapak sa lupa. Hindi nila pinagmamalaki kung ano man meron sila. Hindi nila minamaliit ang mga iba dahil alam nila na sila ay naggaling din sa wala.

Hindi sila nakakalimot na lumingon kung saan sila ay nagsimula.

SAY NO TO ‘INSTANT’ GRATIFICATION

May mga taong kapag nagkapera, madalas napupunta sa pagbili ng mga pinakabagong mga gadget, damit, non-stop na paglalakbay, at lahat ng uri ng mga gastusin.

Ang mga tunay na mayayaman, hindi sila intersado na gastusin ang kanilang pinaghirapan sa short-term gain. They invest their money in the long-term para for long-term gain.

UNDERSTANDS WANT VS. NEED

WANTS are the things that we like at the moment or out of our current feeling.

Napupunta ang kanilang pinaghirapan sa latest gadget; binibili nila ito dahil ito ang nagpapasaya sa kanila.

On the other hand, NEEDS are the things that we should have because it is necessary to help us survive or secure our future long term. Examples would be food, water, shelter, clothing, insurances, and investments.

Ang mga tunay na mayayaman, ay palaging nag-iisip ng long-term. They are willing to sacrifice short-term pain for long-term gain.

Marunong silang MAGTIIS at MAGTIYAGA para gumanda lalo ang kanilang kinabukasan.

Ask yourself, are you thinking like a rich person?
If not, I suggest that you should learn more on how to invest in yourself to equip yourself to become financially literate.

To know more on how to save, invest and make your money grow.
Join us this June 20 at my biggest WEALTH CONFERENCE named KA CHINK
“HOW TO RETIRE BEFORE THE AGE OF 50″

by chinkee tan

Mga Paalala sa mga Uuwi ng Pilipinas

Budget. Oo nga naman. Plan it. Work within your limit. Yung iba kasi one day millionaire, 29 days broke. Hindi na uso ang pasikat. Sarili mo lang lolokohin mo. Mamigay ka ng pasalubong kung kaya mo, kung hindi, wag na. Wala ka naman responsibilidad sa mga kamag-anak at kaibigan mo.

Wag tumunganga sa duty free at mamili ng mamili ng alak at tsokolate. Kung kaya mo mag-abroad, kaya din nila. Hindi ka naman nagwawalis ng dolyar di ba? Wag magdala ng madaming gadget just to show off. Yung madalas na party at painom, iwasan mo na. Isipin mo, hindi habang buhay ang abroad. Tatanda ka din at uuwi. Matutong mag-save for the future. Mag-negosyo habang me trabaho. Fallback ang tawag doon.

Ang simpleng bahay ok na yun. Di na din uso ang bonggang bahay baka ibenta mo lang yan pagdating ng panahon. Mag pondar para me maipakitang nag-abroad ka. Para sa sariling satisfaction yan hindi sa kapitbahay mo. Kung me uutang sa yo pambili ng kotse o pang down ng bahay, aba, bakit? Hindi ka naman bumuo ng isa pang pamilya. Mahirap magpautang sa panahon ngayon. Ibigay ang kayang ipamigay pero isiping mabuti. Yung iba kasi namamantala lang. Mabuti nang isiping madamot ka kesa magkaroon ng kaaway dahil sa utang. Iwas sakit ulo din yan, tol.

Rest. Matulog at magpahinga kasi 12 hours ang duty mo araw-araw sa trabaho. Siguro madami kang kaibigan. Everyone wants to see you pero ilaan ang bakasyon sa pahinga at bonding sa pamilya. Mas importante yun. One year ka nawala, o yung iba, 2 years. Ang bonding sa pamilya, hindi sa barkada. Umuwi ka for them. Hintayin mong mapagod sila sa yo, then set to see your friends.

Pamper yourself. Visit the doctor for medical check-up, pati na dentist. Isipin mo katawan mo. Pag me mangyari sa yo, paano na pamilya mo? Wag mo isipin yung pambayad. Importante to. Kung me pambili ka ng ipad para lang me maipagyabang sa facebook, meron ka din dapat pampa-check up. Magpa-facial at massage din kung me extra. Yung kalyo mo, pa-foot spa mo na din. Pa foot spa ang kalyo? Kung kailangan mong magpa-rebond, just do it. Bangs? Uso pa ba yun? Go! You deserve it. $40 dollars din ang masahe sa Base. Ang gupit $6. E 500 pesos me masahe, facial at gupit ka na. Isang taon ka din nakikipag-patintero sa rocket attack, siguro naman hindi kalabisan ang i-pamper ang sarili.

Have fun. Sabi ng DOT, it’s more fun in the Philippines. Wala nang hihigit pang fun than to be with your family but have fun within your limit. Ikaw din naman ang kakayod kung maubos ang baon mong pera. Saktong tama lang sabi nga ng commercial sa tv para masaya. Kung me kulang pa ang mga paalalang to, dagdagan mo lang. Enjoy your vacation, tol. You deserve it!

Source: http://www.facebook.com/photo.php?fbid=3101089861609&set=a.1092453686960.11113.1695086879&type=1&ref=nf

9 Tips and Guides to Succeed as Overseas Filipino Worker

When you leave the Philippines to work overseas, you probably have set your objectives already. Earn bigger wages, save most of them and return home may be one of them. But in reality, working overseas is more likely to be complicated than what we initially imagined. There are many distractions that dissuade us from pursuing our goals.
Many Overseas Filipino Workers (OFWs) spent many years working abroad yet they found themselves almost empty handed and unable to figure out why they were unable to save by the time they decided to go back to the Philippines. Remember that a high paying job does not guarantee savings, if you are not diligent in doing so. Or if unfortunate things happen (you figure in an accident or get sick, you get duped, you get laid off from work, etc).
Successful Overseas Filipino Worker sounds very subjective. But for the sake of this article, let’s say successful OFW is one who is able to provide the needs of his/her family along with sustainable source of livelihood long after he/she decides to go back home for good.
Therefore, if you don’t want to take the same route as these ill-fated OFWs and instead be successful, the following tips may be helpful to you.
1. Apply the job without spending a fortune. It is not practical to spend a fortune to land an overseas job, no matter how high-paying it promises. Many Filipinos take the radical route of selling farming lands, houses and other family properties to pay for placement fee for a job that pays only a fraction of that amount. While you successfully get the job, your family’s livelihood or convenience is compromised, putting you in a bind to contribute a significant amount of your earnings on a regular basis. This becomes the main reason why OFWs are unable to save for themselves.
2. Save before you spend. The fact that you are receiving much higher salary abroad than what you did back in the Philippines is a big temptation to spend more. After all, you have the money to spend, right? You might say you deserve a new car or a fine piece of luxury jewelry after all the hard work. That’s not a problem only if you already managed to save a reasonable amount on a regular basis. That amount may be from 5% to 15% of your monthly income. Many Filipinos want a taste of luxury even for a short while, only to regret what they did. You can be like them, but make sure you put money into the piggy bank first.
3. Become a property investor. Investing in farmland, house for rent or lots is a wise investment with guaranteed yields better than passenger jeepneys or sari sari store because they require a bit less maintenance and whose value doesn’t depreciate as much as others. As a matter of fact, real estate property value increases over time.
4. Invest in retirement savings plan, educational plan or life insurance. Even when you’re working abroad, be diligent in contributions to SSS, Pag-Ibig Fund and educational fund for children or future children as well as health and life insurance to safeguard financial security during challenging times.
5. Educate your family members on spending your remittance. Don’t make your beneficiaries think making money abroad is an easy task. Instill in them the value of saving and less reliance on your money remittance (or balikbayan boxes). By doing so, family members are motivated to help stretch the budget and save whatever you send instead of immediately seeking help from you for additional monetary help.
6. Don’t pretend to be a millionaire when you’re not. Sometimes, neighbors have this mentality that if you are on vacation, you are poised to give away stashes of money or bags of chocolates. And many OFWs oblige to avoid being maligned as too prudent and don’t know how to share. Sharing what you have is a good gesture but it does not need to be too extravagant that it’s like starting from scratch when you return to work abroad. What about if your company suddenly shuts down or have to let go of people (you included) due to financial difficulties? Or you got sick and unable to go back to work? These neighbors are unlikely to offer you help.
7. Think of a good investment while you’re abroad. If you are business-minded you can think of ways to establish business in your home town. Internet cafe for computer-literate family members, eatery for cooking mothers and siblings or a business center offering photocopying, typing, and book binding near a school. Don’t invest on a business you have no idea how it’s run. You better save your money in a bank than get involved in a highly risky business venture.
8. Think of acquiring new skills. Acquiring new skill can be accomplished through short-term courses such as dressmaking or cooking courses. Or maybe enroll in a distance learning institute. Other skills are not necessarily for livelihood but are good to have, such as guitar or karate lessons. Being an OFW should not limit you to be part of working class only. It’s still part of living your life, of which we constantly seek self-improvement.
9. Set short-term, middle-term and long-term plans. By planning on a short- (within the year), medium- (2-4 years) and long-term (5 years or more) plans, we are more focused on what we can accomplish on a daily basis. Do I want to own a new house within two years? Do I want to go back home in five years? Can I establish my own business before I reach the age of 40? Draft your own plans first and you’ll be able to steer towards a clearer direction.
These are practical tips that are not hard to do. Even the lowest paid Filipino abroad can still be a candidate to succeed in life overseas. It just begins with forward thinking, a little self sacrifice and focus on achieving dreams.

Peso seen to hit 30:$1 next year

CEBU, Philippines -  The peso could strengthen to the 30-level against the dollar next year as investors continue to flood emerging markets regardless of the outcome of the US elections on Tuesday, an investment bank said.

In its latest research note, Bank of America-Merrill Lynch (BofA) said it expects the peso to average 41 to a dollar by the first quarter of 2013, before appreciating further to 39.80 for the rest of the year.

BofA’s forecasts are stronger than the government’s official assumption of 42-45 next year. The peso closed at 41.18 on Wednesday, the last trading day before the holidays.

A strong peso, while making imports cheaper, also makes export products expensive abroad, possibly denting demand. It also trims the value of remittances from overseas Filipinos.

“In our view, there is still further upside to EMFX (emerging market foreign exchange) in the near term. PMI data has been decent for September followiang the US Fed meeting, and we think investors will continue to push currencies higher as they await further confirmation of improved activity,” BofA explained.

The US, considered as investors’ safe haven, has been struggling to boost growth four years after the global financial crisis. Its central bank, the US Federal Reserve, said on September it is embarking on a third round of bond-buying program meant to flood the economy with cash to boost demand and growth.

The Fed announcement came after US manufacturing activity hit 51.5 in the purchasing managers’ index (PMI) in September, similar from August. A reading above 50 indicates expansion.

A strong US manufacturing performance signals economic recovery for the world superpower and thus, should drive investors to invest in risky assets such as the peso.

The outcome of the US elections will also only have “neutral” effect to emerging market currencies like the peso, which BofA expects to trade at an average of 42 this quarter.

“Market pricing of an Obama victory is mild USD (US dollar) negative. (Mitt) Romney victory, USD positive,” it said.

This indicated that the market may view a re-election of US President Barack Obama positively, giving them confidence to acquire risky assets and thus lowering the dollar’s value. In contrast, a Romney victory is predicted to drive investors to safe havens like the dollar, contributing to its appreciation.
“Both a Romney win and Great Rotation pose upside risks to US rates. Historical evidence suggests this would be bearish for EM rates but neutral for EMFX overall – though with significant differentiation within it,” BofA said.

In an effort to tame the peso’s appreciation, the Bangko Sentral ng Pilipinas (BSP) slashed its policy rates by another 25 basis points last Oct. 25, bringing them to new record-lows of 3.5 percent and 5.5 percent for overnight borrowing and lending, respectively.

BSP Governor Amando Tetangco Jr. said last Monday the central bank is looking at using its macroprudential measures to manage capital flows which drive the peso to strengthen. These measures include tweaking the bank reserve requirements, real estate exposure ceilings and single borrower’s limit, among others. - By Prinz P. Magtulis (Philstar News Service, www.philstar.com)

Two overseas Filipino workers in Riyadh were sent to jail

Two overseas Filipino workers were sent to jail when Saudi Arabia's cultural police, locally known as Muttawa, found from one of them a condom in a wallet, a migrants’ rights group said on Thursday.

Migrante-Middle East regional coordinator John Monterona said last August 31, the Muttawas raided the two OFWs’ accommodation adjacent to Riyadh’s commercial district and arbitrarily sea
rched all their personal belongings including their wallets where a condom was found on one of the wallets.

"'Geron' and 'Roy' (not their real names), who were able to speak over the phone to their kin, said they both were shocked and furious that their accommodation was raided and on that same day were sent to jail allegedly for possession of a condom and pornographic video stored in a cell phone," Monterona added.

Monterona said the two OFWs were detained in Al-hair jail also in Riyadh.

"The two OFWs were charged of prostitution, a crime punishable with six months to one year plus a hundred of lashes, if proven guilty,”he added.

The group has already relayed the case to the Philippine embassy’s Assistance to the Nationals (ATN) section.

“We were given an assurance by the Philippine embassy’s ATN official that they will closely follow this case and will recommend to the DFA (Department of Foreign Affairs) to hire a local lawyer to defend them in court,” Monterona added.

He said they have also asked the Philippine embassy in Riyadh to raise the issue to appropriate Saudi authorities regarding arbitrary raid on OFWs' accommodations in search for evidence.

"We appeal to the concerned authorities to respect our rights as migrant workers and human beings as we vow to strictly follow the immigration rules and respect the social norms and tradition of the host government," he said.

SOURCE: The Philippine Star

KABAONG NI NANAY

Registered nurse si Maria sa States. Kasama nya ang
kanyang ina na nagpagamot din doon. Namatay ang ina
nito. Dahil sa kamahalan ng pamasahe pabalik sa
Pilipinas, nagtipid si Maria. Pinauwi na lang niya
ang kabaong ng kanyang ina na mag-isa.

Pagdating ng kabaong, napansin ng mga kapamilya niya
na dikit ang mukha sa salamin ng ataul. Nagkomento
tuloy and isang anak, "Ay, naku! Tingnan mo 'yan...
hindi sila marunong mag-ayos ng bangkay sa Amerika!"
Upang ayusin ang itsura ng bangkay, binuksan ang
kabaong. Aba! May sulat sa dibdid ng ina. Kinuha
nila ito at binasa. Ang nilalaman ng liham na mula
kay Maria:

Mahal kong tatay at mga kapatid:
Pasensya na kayo at hindi ko nasamahan ang nanay sa
pag-uwi riyan sa Pilipinas dahil napakamahal ng
pamasahe.

Ang gastos ko pa lang sa kanya ay mahigit $1,000
na. Ayoko nang isipin pa ang eksaktong halaga.
Anyway, ipinadala ko kasama ni nanay ang mga
sumusunod...

Nasa likod ni nanay ang dalawampu't apat na
karne norte. And adidas na suot ni nanay ay para kay
tatay. Ang limang pares ng de-goma ay nasa loob ng
dalawang asul na Jansport na backpack na inuunan ni
nanay. Tig-iisa kayo.
Ang iba't-ibang klase ng tsokolate at candy ay nasa
puetan ni nanay. Para sa mga bata ito. Bahala na
kayong magparte-parte. Sana'y hindi matunaw ang mga
ito.

Ang pokemon stuffed toy na yapos-yapos ni nanay ay
para sa bunso ni ate. Gift ko sa first birthday ng
bata.

Ang itim na Esprit bag ay para kay Nene, Ate, nasa
loob ng bag ang pictures ni inay, japanese version
ng pokemon trading cards at stickers.
Suot ni nanay ang tatlong Ralph Lauren, apat na Gap
at dalawang Old Navy t-shirts. Ang isa ay para kay
Kuya at tig-iisa ang mga pamangkin ko. Maisusuot
ninyo ang mga iyan sa fiesta.
Suot din ni inay ang anim na panty hose at tatlong
warmer para sa mga dalaga kong pamangkin. Isuot nyo
sa party.

May isang dosenang NBA caps sa may paanan ni nanay.
Para sa inyo, itay, kuya, dikong, Tiyo Romy. Bigyan
nyo na rin ng tig-isa 'yung mga pamangkin ko at
'yong isa ay kay Pareng Tulume.
Ang tigdadalawang pares ng Nike wristband at knee
caps na suot-suot din ni nanay ay para sa mga anak
mo, diko, na nagbabasketball.
Tigdadalawang ream ng Marlboro green at Winston
lights ang nasa pagitan ng mga hita ni nanay.
Apat na jar ng Skippy Peanut Butter, dalawang
dishwashing liquid, isang Kiwi glass cleaner at
tig-aanim na Colgate at Aqua Fresh ang nakasiksik sa
kilikili ni nanay. Hati-hati na kayo, huwag
mag-aagawan.

Isang dosenang Wonder bra na gustong-gusto ni Tiya
Iska, suot-suot din ni nanay. Alam kong inaasam-asam
nyo 'yan, tiya.
Ang hikaw, singsing at kuwintas (na may nakakabit
pang anim na nail cutters) na gustong-gusto mo,
ditse, ay suot-suot din ni nanay. Kunin mo na rin
agad, ditse.

Mga Chanel at Champion na medyas, suot-suot din ni
nanay. Tig-iisa kayo, mga pamangkin ko.
Mga pampers, panty liners, cotton buds, cotton
balls, table napkins at mga scotch brite na may foam
ay natatakpan ng mga puting bath towels...'yon bale
ang pinangkutson ko sa kabaong ni nanay. Marami-rami
rin iyon. Parte-parte rin kayo.

Marami pa sana akong ipaglalalagay kaya lang, baka
mag-excess at si nanay pa ang maiwan.
Basta parte-parte kayo, tatay, kuya, ate, dikong,
ditse. Para sa inyo lahat ito.
Bahala na kayo kay nanay. Pamimisahan ko na lang
siya rito.

Balitaan ninyo na lang ako pagkatapos ng libing.
Paki-double check ang lista kung walang nawala sa
mga ipinadala ko.

nagmamahal,
Maria

P.S. Pakibihisan ninyo agad si Nanay!