Saturday, August 31, 2013

{Financial Management} The "Kurot Principle"


ANC On The Money
As I watch the BLOODBATH that is happening to my stocks portfolio, I can’t help but remember my first introduction to financial planning way back in August 2007 – in the thick of the Asian Financial Crisis and with every single stock in the market sinking so low – when I blindly (but with faith) invested in a BDO Balanced UITF.  I had doubts during those days.  My daily NAVPU ( Net Asset Value Per Unit) kept falling every single day! After five years though, I was able to register a gain of 46%.  I would have gotten double had I invested in equity, but I was okay with that.  Now, I understand why Bo Sanchez is insisting that these are glorious days and if I keep buying each month, I will seriously earn big time in the future!  (Hey, it happened before!)  (If you want serious advice on how to invest in the stock market, click TrulyRichClub.com - Do You Want to Gain Financial Wealth and Spiritual Abundance at the Same Time?)


Friday, August 30, 2013

{Baby Safety Month} Safe With Me! A Basic First Aid and Safety Workshop

In line with September being Baby Safety Month, Project21  Workshops is presenting Safe With Me! A basic first aid and safety workshop designed for parents, guardians, and caregivers of babies and toddlers.





Thursday, August 29, 2013

Fashions for Mom and Baby


A photo by Sura Nualpradid via FreeDigitalPhotos.net

Moms-to-be want to look fashionable while remaining comfortable at the same time. Maternity clothes are no longer the tent dresses of our grandmothers. They don't try to hang over the baby in an attempt to hide the pregnancy. They are form fitting, well-cut designed outfits that proudly display the anticipated happy event. 


Tuesday, August 27, 2013

Miley, What Happened To You?


The past couple of months was a revelation.  I learned the word "Selfies" which I used to call "Self-Portraits" (or please-stop-getting-pictures -of-yourself-you're-eating-up-all-the-memory) and "Twerking."

That word "Twerking" I just found out today.  Obviously, it was a word way before my eight-year old boy was born.  Clueless Me asked my daughters what that word meant and they were like "What??? Mom, you shouldn't even be asking that!" while they burst into a fit of giggles and shook their hips like crazy.  Oops.  Am I missing something here?

Thankfully, Google answered me (My World Book encyclopedia which occupied an entire shelf is totally worthless, I swear).  I am so prudish you could just check up the meaning here.

So why did that word crop out today?

Because it was a word people used for that dirty dancing bit (OK, I am so eighties. IKR?) Miley Cyrus did at the MTV Video Music Awards!

While I was re-posting the FB Status of Bruno Mars : "YEEAH!!!Thank you MTV!!! #HOOLIGANS!! " Miley was TT (Another internet slang meaning Trending Topic) as people on social media and the entire blogosphere (which included moms like me) expressed their distress (or disgust)over Miley's performance.

I was very distressed as well.

My girls used to adore her!  They used to have this whole Hannah Montana merchandise at home (I still use her plastic cup, actually.  And it is in 3D!).  They wanted to be her.  They wanted to be brunette and blonde ! They even sang and danced to "Achy Breaky Heart" because it was sang by her dad! They wanted to have their own guitar! Gale of Hunger Games loved her (Are they still engaged?)!






Nurturing A Child's Love For Reading: An Education.com Plus Plan Giveaway


I am passionate about reading, and in this age of technology, I am trying really hard to get my kids to love reading, too!

I have been checking out online resources lately and how lucky I was to land at Education.com's Free DIY Summer Reading Camp!


Summer Reading Camp


It may not be summer in my part of this world, but reading will never go passe or out of season!  You can Get 10 weeks of FREE activities for your children this summer – a new theme each week!


Girl Tactics: How to Create Harmony between Sisters in the Tween and Teen Stages

Source 
My two daughters fight. Practically ALL.THE.TIME.  And by the time I get so sick of their bickering and try to give them my piece of mind, they have made up.  What gives?  Here are some girl tactics on creating harmony between sisters in the tween and teen ages from Lacey Blackwood.

Girls will bicker. It’s inevitable. Many of your strategies for peacekeeping when your t(w)eens were small may prove woefully ineffective in this new era of vast growth and change. But some of your old methods just need a new spin to make them work again.


Monday, August 26, 2013

HOW TO APPLY FOR A CALAMITY LOAN FROM PAG-IBIG, GSIS AND SSS


Update:  As another calamity - Typhoon Yolanda/ Haiyan -struck our country in full measure, the following is a list of areas under the state of calamity as of November 11, 2013:


Chart by Manila Bulletin Online
The following are the areas under state of calamity due to Yolanda as of noon of Nov. 11:
1. Aklan
2. Antique
3. Capiz
4. Iloilo
5. Negros Occidental
6. Ormoc, Leyte
7. Coron, Palawan
As of November 11, a total of 23 areas across the country are also still under the state of calamity effective until Nov. 18 due to several weather disturbances including ‘Habagat’ and the 7.2-magnitude earthquake that jolted Bohol, Cebu and other nearby areas.
1. Caban; Gregoria del Pilar of Aurora
2. Bataan
3. Bohol
4. Bulacan (Obando, Calumpit, Hagonoy, Meycauayan)
5. Caloocan
6. Cavite
7. Cebu
8. Ilocos Sur (Sta. Maria; Narvacan, Candon)
9. Laguna
10. Las Pinas
11. Malabon
12. Marikina
13. Muntinlupa
14. Occidental Mindoro (Sablayan, Lagnas)
15. Pampanga
16. Pangasinan (Sta. Barbara, Umingan, Calasiao)
17. Paranaque
18. Pasaya
19. Pateros
20. Rizal
21. Taguig City
22. Tarlac
23. Valenzuela

SSS also eases loan terms and will offer advance pensions in Yolanda-hit areas.

Update: In view of the deadly earthquake in Bohol and Cebu, the Pag-IBIG Fund is offering a calamity loan where members can avail of 80 percent of their total savings with only 5.95 percent interest (see below on how to apply for a calamity loan from Pag-IBIG).  Loan requirements include calamity loan application form, Member's Data Form, Certificate of Net Pay or one month payslip and photocopy of two valid IDs.

Pag-IBIG has installed mobile service desks in Cebu and Bohol to accept calamity loan applications in front of the Mandaue City Hall, in Gaisano Capital Danao, at the Bogo Service Office on the second floor of J & N Building in Bogo City, at the Gaisano Island Mall in Pusok, Lapu-Lapu City and the Tagbilaran City Hall and at the Governor's Mansion in Bohol.

For further inquiries, call 5059759 or 5059761 or email cebunorth@pagibigfund.gov.ph.

It has been sunny the whole day today and as I watched the massive Anti-Pork Barrel Rally in Laguna, clips of the devastation caused by Storm Maring and the southwest monsoon was shown.
Source:Google Somewhere in Laguna
It is difficult for families to pick up the pieces, I know, and more areas than ever are being declared as a state of calamity.


Sunday, August 25, 2013

Getting Out of Your Lazy Mode


Source

The rains have stopped.  You shouldn't be staying at home watching series the whole day and fixing your coin collection while your BFF is asking you to explain what is a challenge coin , but there are some perks you could learn by doing practically nothing. You should stop being lazy, but sometimes you really need to:


Saturday, August 24, 2013

Great Lazada Deals for Visa Cardholders



It was almost sunny (it was alternately rainy and sunny actually .  I had to run three times to bring the laundry in then out then in then out again.  Sheesh.  I must have lost five pounds just doing that...) today which made me shout that I can wear my sunnies again!

Yup, you can remaster cool again after those dreary rainy days with your brand new RAYBAN SUNGLASSES which you can grab at Lazada!


Lazada Rayban Sunglasses 200x200 1
Click Picture to Get it!

LAZADA, the Philippines’ biggest online shopping mall, has an offer Visa credit cardholders won’t be able to resist! 


Friday, August 23, 2013

{A Guest Post} 4 Tips to Keep Teen Drivers Safe During the 100 Deadly Days On the Road



The sun shines for good times from Memorial Day to Labor Day (roughly 100 days). However, teen drivers must be extra cautious while driving during this deadly time of year.



Thursday, August 22, 2013

Areas Under State of Calamity In The Philippines 2013


Update: November 13, 2013  

I wrote this post in August, 2013.  Since then, our country has been visited by more storms/torrential rains/habagat, earthquake and Super Typhoon Haiyan/Yolanda.  

The following is a list of areas under the state of calamity as of November 11, 2013:

Read about how to apply for a calamity loan from Pag-IBIG, SSS and GSIS here.

Chart by Manila Bulletin Online
The following are the areas under state of calamity due to Yolanda as of noon of Nov. 11:
1. Aklan
2. Antique
3. Capiz
4. Iloilo
5. Negros Occidental
6. Ormoc, Leyte
7. Coron, Palawan
As of November 11, a total of 23 areas across the country are also still under the state of calamity effective until Nov. 18 due to several weather disturbances including ‘Habagat’ and the 7.2-magnitude earthquake that jolted Bohol, Cebu and other nearby areas.
1. Caban; Gregoria del Pilar of Aurora
2. Bataan
3. Bohol
4. Bulacan (Obando, Calumpit, Hagonoy, Meycauayan)
5. Caloocan
6. Cavite
7. Cebu
8. Ilocos Sur (Sta. Maria; Narvacan, Candon)
9. Laguna
10. Las Pinas
11. Malabon
12. Marikina
13. Muntinlupa
14. Occidental Mindoro (Sablayan, Lagnas)
15. Pampanga
16. Pangasinan (Sta. Barbara, Umingan, Calasiao)
17. Paranaque
18. Pasaya
19. Pateros
20. Rizal
21. Taguig City
22. Tarlac
23. Valenzuela

As Tropical Storm Maring Memes like these flooded my Facebook Page (Filipinos love to laugh, I swear, and too bad we didn't have internet social media when we were kids!):


From Facebook


From Facebook
From Facebook
From Facebook
more areas have been declared under a state of calamity.  According to the National Disaster Risk Reduction and Management Council, the following areas are under a state of calamity (List as of 8:00 AM, August 22, 2013:

PROVINCES:  Bataan, Pampanga, Cavite,Laguna and Rizal

CITIES: National Capital Region (Paranaque, Muntinlupa, Malabon, Marikina,                        Pasay)
             Ilocos Sur (Candon City)
             Pangasinan (Dagupan City)
             Tarlac (Tarlac City)

TOWNS:  Pateros (NCR)
               Narvacan, Gregorio Del Pilar and Sta. Maria (Ilocos Sur)
               Sta. Barbara and Calasiao (Pangasinan)
               Obando and Hagonoy (Bulacan)
               Abra De Ilog   (Occidental Mindoro

Barangay:  Victoria and Lagnas (Sablayan, Occidental Mindoro)
            

Wednesday, August 21, 2013

{Wordless Wednesday} Stormy, Foggy Baguio!


Creepy Foggy

Tuesday, August 20, 2013

Getting Your Dream Job

"Lovely Curious Child With Laptop" by imagerymajestic via freedigitalphotos

What would you most enjoy doing  if you had loads of money and didn't have to work?


Monday, August 19, 2013

Understanding Pag-ASA's Color-Coded Rainfall Advisories



It has been raining really hard the whole day and I have been seeing Color- Coded Rainfall Advisories in Social Media.  Here is an infographic on MAKING SENSE OF PAG-ASA'S COLOR-CODED RAINFALL ADVISORIES:



Of Cable and Satellite TV


a photo by tungphoto via freedigitalphotos


I remember watching old television shows like Knight Rider and Charlie’s Angels on a really old box-type, black and white television.  Back then, there were a few channel choices.   We only had the basic channels like Channels 2, 4, 7, 9 and 13 plus the Far East Network of Camp John Hay.  Our television had no remote control, plus I had to endure hours watching soap operas because those are what my mom watches.


Saturday, August 17, 2013

What Cheers Me Up On a Rainy Saturday...


It was raining hard the whole day.

And I mean HARD.  And. As. In. The. Whole Day.

In fact, I woke up and saw this poor dove taking refuge at our veranda...

(Oops, I can't post the picture...something is wrong...it is upside down lol)


I would have preferred to stay at home and READ and SLACK the whole day, but I had to (Reality Check Mode) do the laundry and bring Adrian to his Assessment Test (that is how his school calls the periodic exam.  They are assessed individually to discover the strong and weak points of a student).

So, to make my GLOOMY DAY go bright, I used these pair of shoes:



Yup, the right outfit will make you sing in the rain!  Why don't you go check out ZALORA and get wonderful, pick-me-up finds for - get this -  P999 and below! USE THIS VOUCHER CODE ZBAP0R1 TO GET A 15% DISCOUNT.


They are having a super shoe sale, too! I am so hoping they have this as well...

UGG BOOTS



Don't forget to use your 15% Voucher Code ZBAP0R1!



Winners of my Photojeepney Digital Photo File Giveaway


Here are the winners for the free digital photo file giveaway from www.photojeepney.com!

Photojeepney is your quick, easy and affordable online digital photo printing and imaging center. Photojeepney prints and delivers quality photos anywhere in the Philippines (and anywhere in the world to your e-mail.)
Photojeepney enhances your pictures bringing out your best and brightest features!

a Rafflecopter giveaway


BIR Deadline On Use of New Receipts/Invoice Extended to October 31, 2013, Subject To Conditions


Invoices by patpitchaya via freedigitalphotos.net
A reader asked:  I had my official receipts printed on January 7,2013.  Can I still use them beyond the deadline of August 30 since I have a relatively new business and had just used a few booklets of the 20 booklets I had printed?

The Bureau of Internal Revenue issued Revenue Memorandum Circular No. 52-2013 dated August 13, 2013 “Clarifying the Validity of Unused/Unissued Principal and Supplementary Receipts/Invoices Printed Prior to January 18, 2013 and Other Matters”.

Under this Revenue Memorandum Circular, the Bureau of Internal Revenue allowed the use of old official receipts/invoices UNTIL OCTOBER 31, 2013 INSTEAD OF AUGUST 30, 2013 as earlier ordered, PROVIDED:


  1. Your Old Receipts have an Authority to Print (ATP)  dated January 1, 2011 to January 17, 2013,
  2. You have a new Authority to Print (ATP) issued on or before August 30, 2013. Any application for a new ATP filed after April 30, 2013 is however deemed to have been filed late and is subject to a penalty of One Thousand Pesos (P1,000.00)pursuant to Section 264 of the National Internal Revenue Code, as amended, and
  3. The term “VALID UNTIL OCTOBER 31, 2013 ONLY” shall be stamped prominently on the face of the original and duplicate copies of the official receipts and/or invoices.  Otherwise, input tax and deduction may not be claimed using these receipts and/or invoices.

IF YOUR PRINCIPAL AND SUPPLEMENTARY RECEIPTS INVOICES WITH AUTHORITY TO PRINT (ATP) ARE DATED PRIOR TO JANUARY 1, 2011, these will no longer be valid on August 31, 2013 onwards pursuant to Revenue Regulations 18-2012 and Revenue Memorandum Circular No. 44-2013.  If you issue such old receipts and invoices after August 30, 2013, such act would constitute a violation of Section 264 of the National Internal Revenue Code, as amended.  Issuing it would be deemed as if no receipt or invoice has been issued by you.  Consequently, any deductions from your gross income using these receipts/invoices will not be allowed since these are not valid proofs of substantiation.  If you are a VAT-registered person, no input tax may be claimed using such expired receipts/invoices.


This Circular has been issued following complaints that BIR-accredited printers were not able to deliver official receipts/invoices on time.  The delay has been blamed on the growing printing requests which have ballooned during the past month.


Related Article:  BIR responds to complaints on new Official Receipts Regulations   
BIR Sets Deadline to Surrender Unused Receipts

Tuesday, August 13, 2013

One of the Many Reasons Why I Love Champs!


My son's favorite Champs Children's Vitamins has won the Guardian Customers Choice Award for 2013 under the Kid's Suppement category-just one of the proofs that I chose the right supplements for my boy!

Congratulations. Champs!





Monday, August 05, 2013

A Parent's Playbook For Learning Guest Post and Virtual Book Tour


I am so excited to have Jen Lilienstein, author of A PARENT'S PLAYBOOK FOR LEARNING, over here to share her thoughts.  I am sure this book will be a great help to my mommy friends and readers out there!  This book, which won the Pinnacle Award for Best Parenting and Family Book, will walk you through your child's personality profile.  You can also get a detailed personal profile of your child for free at the Kidzmet website .  It would only take 10-20 minutes!



A Parent's Playbook For Learning


Marie and I collaborated in May of this year when she offered to review A Parent’s Playbook for Learning for her readers. (You can read her full review here.) When she expressed interest in participating in my virtual book tour, I jumped at the chance to work with her again. She spoke in her last piece about how my book had opened her eyes—the way her School Head had—to how kids’ unique personalities and interests shape the ways in which they learn best.

I thought it would be worthwhile for this stop on my book tour to talk more about what first clued me into the fact that, when you key into…
  • who your kids (or students) are and
  • how they like to learn,


you not only spark a passion for learning, but create a ripple effect into self-esteem that kids take from learning into life.

Back in college I read a landmark book by Howard Gardner called Multiple Intelligences, which struck me to the core. I’d had so many friends throughout my school career that I thought were absolutely brilliant—just not in the traditional sense of IQ. Challenge was, many of them didn’t believe that they were smart because their grades in the “important” subjects weren’t high. When Gardner unveiled his (at the time) seven types of intelligence, they resonated deeply. As a result, I decided to do my undergraduate thesis on what effect this acknowledgement—that there were many ways to be intelligent—in a school setting would have on the student body. I studied several different campuses which had varying amounts of Gardner’s intelligences woven into their school days. For a couple of schools, the focus was almost exclusively on logical-mathematical and linguistic skills development. For others, the curriculum reflected a culture of educating the whole child, so bodily-kinesthetic, musical, visual-spatial, interpersonal, and intrapersonal capacities were both recognized and embraced as important during the school day. The remainder lay somewhere in between. I conducted both qualitative and quantitative research and discovered that as moreintelligences were honored during the school day, absence rates decreased, students were more excited about both school and learning, and the young scholars had a greater variety of responses to the question “what do you want to be when you grow up?”

Over the past twenty years, I've had the opportunity to be involved in a variety of types of education. I haven’t just seen different types of learners in a classroom or tutoring setting, but also watched focus groups of kids respond to educational software games differently and came to understand how differently adults deal with the challenge of distance education.  Most importantly, however, I’ve had a front row seat to watch my two children learn in very different ways.


I’ve been familiar with personality type for what seems like eons. I took a Myers-Briggs test when I was in early high school thanks to my Dad, later in my high school career center, then yet again with the self-help best seller “What Color Is Your Parachute?” I became a personality type enthusiast very early on and thought that the eHarmony approach to internet dating was brilliant. After all, we have all experienced firsthand how important personality mesh is when choosing a spouse or friends.

But until my kids were born, it didn’t strike me how important it was in the context of learning. All the different personality types approach new understandings in different ways. There are 8 types of learners in elementary school from a personality perspective. Knowing your child’s personality type is kind of like buying a GPS system for your child’s education, where you can help them chart their own quickest path to understanding. Some kids do better“thinking out loud” while others prefer to ponder new material before discussing it. Some kids see the world in black-and-white, replicable models while others see it in shades of gray. Some kids prefer to check out the forest before zooming into the trees while still others prefer to get to know the leaves and trees before looking at the forest as a whole.
There is no one right way to approach a concept. Any of these angles or approaches has merit, just as long as you eventually flesh out all sides of the elephant. More importantly, the ways that work best for parents to learn new material may not match their kids. My hope is that my book, A Parent’s Playbook for Learning, will help enlighten parents with respect to how their own kids understand the world around them and soak in new knowledge, so that they are in a better position to help their kids develop a passion for learning.

                                                      Jen Lilienstein


You can grab A Parent's Playbook for Learning at Amazon in Paperback and Kindle version and of course at Kidzmet.com

Sunday, August 04, 2013

Lazada Philippines gears up for next wave in online shopping




Filipinos are taking over the online shopping scene in Asia! According to an online consumption study conducted by Nielsen, Filipinos are among Asia-Pacific’s most active online shoppers.

That’s not all there is to know about online shopping in the Philippines. Filipinos are reportedly the most savvyat filling up their virtual shopping carts, as 72% of Filipinos use the Internet for product research – bagging the title of being the most active bargain-seekers in Asia, what with the exponentially increasing Internet penetration in the country.

Lazada, the #1 e-commerce site in the Philippines is geared to handle the demand for making products easily available. It recently acquired a 6000-square-meter warehouse facility that processes orders as efficiently as possible.

With more than 20,000 products on its website, Lazada.com.ph is the ultimate digital shopping destination, where shoppers can avoid long lines, heavy traffic, and cumbersome product handling. For added convenience, Lazada even offers free shipping and next-day-delivery for Metro Manila orders, as well as multiple payment options such as Cash on Delivery, Paypal, credit card,  ATM transfers via Megalink, and BDO installment plans at up to 24 months.

Not only that, but attractive deals, promos, and regular flash sales pique the interest of Filipino shoppers online, appealing to the “bargain-hunter” mindset.

Are you part of the digital revolution and exercising your right to shop? Here’s another savvy deal for you: just sign up on the mailing list and get a PhP 200 voucher to use on your next Lazada purchase! 

HTML13