Thursday, June 16, 2016

Stock Investing for Ordinary Pinoys

Wow! It's been more than three (3) years since my last post! I will try to revive my blog and post more often ;-)

I have been wanting to post topics about investing in the stock market. I actually have a few posts here. I started in the stock market 7 years ago. I thought that the Stock Market is for millionaires only and not for a regular Pinoy like me. When I learned that you could start with as low as P5000 initial investment, I immediately opened an account with COL Financial. I searched online from different forum sites on what people were buying. I got into trading (quick buy and sell) but I got burned. I used most of my savings but I lost money (ouch)!

And then I learned about Bo Sanchez' Truly Rich Club. I joined this club because they’re incredible in teaching and guiding people how to properly invest for the future. I learned to discipline myself and invest regularly thru the help of the Truly Rich Club. I am now regularly investing in the stock market and I get updates on what stocks to buy and when to sell. I am slowly growing my portfolio because I developed the habit to set aside 20% (sometimes more) of my income each month. And also, the Truly Rich Club (TRC) also helps you gain spiritual abundance. They regularly email articles on how I could also  grow in my spiritual life.

I believe that investing (not trading) in the Stock Market is one of the best ways of growing your passive income. But before you could start investing, you have to have a regular income because you will need to invest regularly. It's very important to note that it's not how much you earn, but how much you keep of what you earn. So if you have a regular income and you are willing to set aside a few pesos a month to invest in long-term investments so you can create millions for your future, then consider investing in the Stock Market.

Monday, February 25, 2013

Aussie Pathways - Study, Work & Live in Australia for a Better Future

Australia is a young, vibrant and friendly country in which students can live, learn and grow. If you want a world-class education and a good lifestyle, Australia’s the place to be.

We, at Aussie Pathways Education Consultancy endeavor to help you find and enroll in a course of study, assist you in your application and apply for a student visa. We provide honest and up-to-date information on concerns related to student visa processing for entry to Australia.
Fields of Study:

    - Arts, Media and Design
    - Business / Commerce
    - Education
    - Environmental Science
    - Health - Nursing, Aged Care, Child Care etc
    - Informatics and Business Systems
    - Information Technology (IT)
    - Internal Development and Global Studies
    - Law
    - Psychology, Counselling and Social Sciences
    - Theology and Philosophy

Why Study in Australia? 

  • Excellent Quality of Education - Australia boasts one of the best education systems in the world. Australian universities and schools are widely respected in many disciplines and are consistently ranked among the best internationally 
  • Internationally recognized qualifications
  • Diverse cultures and vibrant lifestyles
  • Provides a high standard of living and a high quality of life at a relatively low cost
  • Job Opportunities while you study - Australia offers more job facilities in multiple disciplines and it offers work permits to international students like no other. Family members who have permission to work, may work up to 40 hours per fortnight once the student has started the course of study.
  • Low crime rate and social stability.

For those who are interested to WORK & MIGRATE to Australia, send us your resumé to know if you qualify. Initial assessment is FREE. Our partner migration agent (MARN 0961119) genuinely wants to help Filipinos MIGRATE to Australia.

Email Us:

Office Address:

Aussie Pathways
2nd Floor CAP Building
Quezon Avenue, cor. Gov. Luna Street
City of San Fernando
2500 La Union

Mobile: 0909-2032438 | 0916-7265081

Facebook Page:

Friday, August 17, 2012

Calamity Relief Package for SSS Members

The Social Security System (SSS) has announced a calamity relief package that offers early release of pensions, eased-down loan terms, and an extended payment period to help members affected by widespread floods caused by heavy southwest monsoon rains.

SSS President and Chief Executive Officer Emilio de Quiros, Jr. said the package covers members in calamity areas officially declared by the National Disaster Risk Reduction and Management Council (NDRRMC), which include affected cities and municipalities in the National Capital Region; Bataan, Pampanga, Zambales and Bulacan in Region III; Laguna in Region IV-A; Culion, El Nido and Linacapan in Palawan in Region IV-B; and other areas which may be declared by the NDRRMC.

Firstly, the package includes a three –month advance in pensions for pensioners residing in declared calamity areas. Those who apply on or before August 31, 2012 will get their October, November and December pensions, while those who apply after August 31 until September 30, 2012, will receive their November, December and January 2013 pensions. Applicants must submit a certification of residence coming from their Barangay Chairman. "Under the relief package, retirement, disability and survivor pensioners who applied for advance release of pensions will get their pensions through checks. However, the 13th month pension will still be given in December so that they can still look forward to a bonus at the end of the year,” the SSS chief explained.

Meanwhile, employed, self-employed and voluntary members affected by the floods can apply for an SSS Salary Loan, as long as they have at least 36 months contributions, including six monthly premiums paid within the twelve-month period prior to loan application. Members with at least 72 months contributions are eligible for the two-month salary loan.

“For those with existing salary loans, we have opened the Salary Loan Early Renewal Program or ‘SLERP’ to enable them to renew their loan ahead of the prescribed two-year period,” de Quiros said. “The sanctions imposed under the current Loan Penalty Condonation Program will be lifted and the loan’s service fee of one percent will be waived.” The SLERP is open for application until September 30, 2012.

“For members whose homes were damaged by the floods, the interest rates of our Direct House Repair and Improvement Loans are now lower by two percentage points. Under the calamity relief package, the applicable interest rate will be six percent per annum for loans P400,000 and below, and seven percent for loans over P400,000 up to P1 million,” de Quiros explained. “Since it takes time to put together the required documents, members have until June 30, 2013 to avail themselves of the Direct House Repair Loan.”

Finally, the SSS extended the payment deadline to August 15 for members in affected areas whose cut-off date for contributions and loan amortizations falls within August 7 to 14. The extended deadline applies to all members whose 10-digit SS number ends with "1" or "2."

“We recognize the devastation that the monsoon rains have wrought on our countrymen. As the state institution in-charge of their social security, we aim to provide our members with some comfort and relief in these times of calamity, so that they can get back on their feet as soon as possible,” de Quiros affirmed.


Thursday, July 26, 2012

How to Prepare Guyabano Leaf Tea

I have been drinking guyabano leaf tea for quite sometime and it has been a part of my daily routine. I drink this concoction before bedtime. It really has a relaxing effect! I feel great and I do not get tired easily since I tried this. The other good news is...I am no longer constipated! I now regularly go to the toilet! Yey! :)

I usually use fresh leaves (a lot of them and about 2 liters of water) but when I searched for the guyabano tea preparation, I was directed to this treatment protocol of guyabano tea at Here it is:


How to make the guyabano tea:

Materials needed:
a. one 8 oz. cup of shredded fresh or air dried guyabano leaves
b. one liter water

Use mature (but not too old) leaves. These may be fresh or dried. However, air dried or shadow dried leaves are better than fresh because the drying concentrates the medicinal properties of the plant, therefore more effective. Sun drying or oven drying is not recommended because too much heat will cook the medicinal and nutritive values of the leaves, causing them to lose their potency.

The leaves are shredded to make extraction of the medicinal contents easier and more complete.

1. Boil the water in a sauce pan.
2. As soon as it boils, add the shredded guyabano leaves and turn
down the heat to low.
3. Simmer the leaves for 20 minutes.
4. Turn off the stove. Let the tea cool, ready for drinking.

When you prepare guyabano tea, make only enough for the day because the potency of the tea is good only for up to 7 or 8 hours. You may put the tea in the refrigerator. Any leftover tea after drinking your daily dose must be thrown out. Make a new batch of tea every day.

a. This treatment requires drinking the tea 3 times a day, one 8 oz. glass of tea, 30 minutes before every meal. (The tea is absorbed more easily in an empty stomach. When taken after meals, the tea is mixed with the food, and it has to wait for the food to be digested before it gets absorbed together with all the other nutrients. Taken before meals, the tea hits the bloodstream more quickly.)

b. The guyabano tea, drank 3x a day, 30 minutes before meals, is taken for 30 consecutive days only. More than that, it will affect your gut flora. The tea, despite its potency, targets only the sick cells in the body, leaving the good cells unharmed. However, after 30 days, it will destroy the good bacteria in the stomach.

c. After the 30-day treatment, have yourself checked up by a doctor to see if the disease is still there. Or, check yourself of symptoms. Are the symptoms of the illness still there? If check up result says disease-free, then taper off your treatment dose to maintenance dose. However, if the symptoms are still there after the 30-day treatment, REST YOUR BODY (specifically your kidneys) FOR 10 DAYS, NO DRINKING OF THE GUYABANO TEA. But after 10 days, REPEAT THE 30-DAY TREATMENT PROTOCOL.

Even if the symptoms disappear before the repeat treatment is over, finish the 30 days to make sure that not a single sick cell is left in your body. Or else, that single sick cell will multiply very quickly, and the problem returns.

The 30-day treatment protocol then is this: 
Drink guyabano tea 3x a day, one glass 30 minutes before each meal, for 30 consecutive days. No skipping!

After the illness has cleared, don’t stop taking the guyabano tea abruptly. The maintenance dose is one glass of guyabano tea a day, 30 minutes before meals, taken for 5 consecutive days during the week, resting the body for 2 days. For easy remembering, drink the guyabano tea from Monday to Friday, rest on Saturday and Sunday.

How long will one be taking the maintenance dose? For as long as you feel good taking the guyabano tea. Or you may taper off to the BODY TUNE UP.

Everybody, sick or not, may take the guyabano tea body tune up drink. Guyabano boosts the immune system: protects against flu, coughs and colds, fever, etc.

One glass of the guyabano tea, 30 minutes before a meal, at least 3 days a week, every other day. Like, drink guyabano tea Monday, Wednesday, Friday OR Tuesday, Thursday, Saturday, then rest on a Sunday.

1. DON’T OVERDO ON THE GUYABANO TEA. An overdose will cause nausea and vomiting. However, if this happens, just lessen the dose down to your tolerable level. Like, instead of one glass of guyabano tea, make it 1/2 glass. Adjust the dose for children. Maybe, 30 ml for kindergarteners, 1/2 glass for bigger kids.

2. Don’t add or mix some other healing substances to the guyabano tea because of the danger of chemical incompatibility. If at all, take them at different times. But guyabano tea must be taken before meals.

Saturday, April 28, 2012

Bed Sore Treatment

My mother has been bedridden for eight months and because of poor blood circulation, she developed mild bed sores. I've tried using Betadine, petroleum jelly and other topical ointment/creams but her sores were not getting better. I got really worried because I know bed sores can get worse very fast.

Then I remembered I have been using raw honey to treat wounds, cuts and even mild burns. I tried using raw honey on her bed sores and they dried up really fast! I am not sure if you can achieve the same result using processed honey. It also helped repositioning her frequently because good blood circulation is needed for a wound to heal faster.

Honey has no known side effects, plus it's cheap and really effective!

Related Topic:

Effectiveness of a honey dressing for healing pressure ulcers