Thursday, January 14, 2021

PAANO I-HANDLE ANG “DISTANT” NA ASAWA?

January 14, 2021 0 Comments

PAANO I-HANDLE ANG “DISTANT” NA ASAWA? 





Kung may distant-learning meron ding distant-hubby/wifey 😅💔


Minsan parang nakakapagod na lumaban mag-isa. Lalo na kung yung asawa mo parang walang effort, wapakels, distant... 


Sabi nga “It takes TWO to Tango” pero feeling natin magisa nalang tayong sumasayaw ng tango 💔 Minsan parang gusto nating mag-solo nalang at mag-tiktok 🤣


So paano nga ba i-handle ang mga asawa nating cold at nagpapaka-distant? I hope these 9 practical tips help you: 


1. UNDERSTAND THEIR WITHDRAWAL 


For sure merong dahilan kung bakit sila lumayo o napalayo. Subukan nating ilagay ang sarili natin sa salawal nila at unawain na may context kung bakit sila nagkaganun. Instead na hanapan natin sila, sarili natin ang hanapan natin. Kasi kahit hanapan natin sila wala naman tayong magagawa kasi sarili nila yun 😅 pero tayo, may magagawa sa sarili natin. We can start the change sa sarili natin. 


2. HUWAG PERSONALIN 


Minsan hindi naman talaga ikaw ang dahilan. Baka naman may crisis lang sya sa sarili nya. O kaya meron syang matinding setback sa career. Your spouse may be going through a phase that requires some alone time. Anuman ang dahilan nya, ma-realize nawa natin na mas mainam kung mahinahon at kalmado natin siyang susuyuin kaysa pagalit tayong magdedemand. Kapag ready na syang mag-share ng feelings niya, make sure to listen sensibly. Hindi lalabas sa protective shell ang asawa natin kapag na-sense nila ang pagiging selfish and inconsiderate natin. 


3. GIVE HIM/HER SPACE KUNG TALAGANG KAILANGAN NIYA 


Kahit hindi naman siya astronaut, sige na rin. Bigay mo na space na gusto nya. Kung ikaw yung tipo ng asawa na laging naka-comment, naka-puna at naka-tutok bente kwatro oras, pwes, back off MUNA. Wag mo na muna gayahin si Mike Enriquez at tantanan mo nalang muna sya. Minsan mas nakakarindi din talaga kapag ganun e. Kaya para hindi nila maramdaman na parang nasasakal na sila, make an effort to stay out of their zone and simply let them be. Respect. 


May mga tao kasing the more na sinusuyo mo, the more na lumalayo. Mag-oopen din yan. For now, support mo nalang muna sya sa pagiging astronaut nya 😅


4. RESPECT DIFFERENCES 


Magkaiba kayo ng gender. 

Magkaiba kayo ng upbringing. 

Magkaiba kayo ng kinalakihan na culture. 

Magkaiba kayo ng niyakap na mga values. 


Irespeto nyo nalang ang pagkakaiba nyo sa isa’t-isa. Debating opinions will only push them further away and you don’t want them to feel attacked. So instead celebrate your differences and accept that their opinions are what make them who they are.


5. REDUCE YOUR INTENSITY 


Be calm and be patient with your spouse. If you are usually a loud, fast-paced person, with a habit of giving unwanted advice all the time, then you need to slow down. Preno-preno din tayo. Lalo lang silang magiging cold kapag hindi tayo kumalma. 


5. MANAHIMIK AT MAGING MABAIT “PARIN” 


Hindi porket cold sya at distant e magiging ganun ka din sa kanya. Promise, kapag ganun ginawa mo baka mauwi kayo sa hiwalayan. You shouldn’t aggressively chase your partner, but you can act kindly and do little things to make them feel loved and valued. Pagsilbihan mo parin, kamustahin once in a while, mag-goodnight kiss ka parin, labhan mo parin ang brief nya 🤣 Sa madaling salita, maging mabuti ka parin sa kanya (kahit ang hirap hirap). 


So if your spouse is acting distant, you could reach out to him/her by praising him/her (make sure hindi parang nambobola) every chance you get and avoid criticizing him/her for now. Just be considerate sa feelings nya and go the extra mile para mapangiti sya. These small gestures of warmth will go a long way to renewing your love and bond with one another.


Tandaan, kindness is the most important quality a person can have when it comes to maintaining a loving, healthy and thriving marriage. 


6. DATE AT HINDI DIAGNOSIS 


Kung gusto mong mag-reconnect, try suggesting an activity na pwede nyong gawing dalawa. Plan a few dates and put each other in your schedules. The idea behind this is that you both make your relationship a priority and spend quality time together.


Kahit gaano ka ka-frustrated sa inaasal at kinikilos nya, always remember that your partner will always respond better to positivity than negativity and diagnosing your partner’s behavior is going to make things worse— lalo na kung di naman doctor 😅. 


7. PURSUE YOUR GOALS 


Isipin mo yung mga hobbies or projects na gusto mong simulan. Ito na ang pagkakataon para gawin yun. Sa halip na magmukmok tayo at magpaka-bitter, magpakahusay tayo. Set personal goals for yourself and achieve them. Yung mga balik-alindog program, online workshop at kung ano-ano pang goals, go get it! This is the best solution for being overly focused on your spouse. Pwede ka ding mag-open sa right people about your feelings para naman hindi maipon ang mga hinanakit mo. 


8. LOVE UNCONDITIONALLY 


Choose LOVE. Regardless. Hindi yung...


“mahal kita kung..”

“mahal kita kapag..”


Wag na tayo maglagay ng kondisyon.

Friday, January 8, 2021

Top 16 Reliable Online abroker 2021 (PSE)

January 08, 2021 0 Comments

 Para sa mga wala pang broker or unag babalak maglipat. Ito listahan.


Top 16 Reliable Online Broker in 2021 (PSE)

***PSETradex is good for day-trader. Web-based Direct Market Access to real-time data from PSE servers.


Maybank ATR Kim Eng – Min Deposit: ₱1,000,000.00

https://bit.ly/2LhJwVk

Powered by PSETradex


Timson Securities, Inc. – Min Deposit: ₱100,000.00

https://bit.ly/3rW98aX


DA Market Securities, Inc. – Min Deposit: ₱100,000.00

https://bit.ly/3pU2VL 9

Powered by PSETradex


2TradeAsia – Min Deposit: ₱25,000.00

https://bit.ly/3ne8cv9

Powered by Technistock

Paperless withdrawal

Mobile App


HDI Securities, Inc. – Min Deposit: ₱25,000.00

https://bit.ly/3rTW5ab

Powered by PSETradex

Mobile App


Investor Securities, Inc. – Min Deposit: ₱25,000.00

https://bit.ly/2JLr8nr

Powered by PSETradex

Mobile App


Optimum securities corporation – min deposit: ₱25,000.00

https://bit.ly/3ndt6dJ

Powered by PSEtradex


AP Securities Incorporated – Min Deposit: ₱15,000.00

https://bit.ly/38feVRl

Powered by Technistock


BA Securities, Inc. – Min Deposit: ₱15,000.00

https://bit.ly/35ffQzk

Powered by PSETradex


RCBC Securities, Inc. – Min Deposit: ₱10,000.00

https://bit.ly/35eqTJ1

Powered by Technistock

Paperless withdrawal


UCPB Securities, Inc. – Min Deposit: ₱10,000.00

https://bit.ly/2LgAkk1

Powered by Technistock

Paperless withdrawal


Unicapital Securities, Inc. – Min Deposit: ₱10,000.00

https://bit.ly/3okCu0y

Paperless withdrawal

Mobile App


Wealth Securities Inc. – Min Deposit: ₱10,000.00

https://bit.ly/3hNtoHd

Powered by Technistock

Mobile App


Philstocks Financial, Inc. – Min Deposit: ₱5,000.00

https://bit.ly/38oMEb2

Paperless withdrawal

Mobile App


A & A Securities, Inc. – Min Deposit: ₱2,000.00

https://aa.psetradex.ph/

Powered by PSETradex


AB Capital – Min Deposit: No minimum required

https://bit.ly/38goNdz

Powered by Technistock

Paperless withdrawal

Mobile App


***PSETradex the Online Trading Services provided by the Philippine Stock Exchange (PSE) to Trading Participants that can be offered to investors.

Tuesday, September 15, 2020

SABOTAHE SA MANILA BAY!!!

September 15, 2020 0 Comments

 



According to the study, the current rehabilitation of manila bay could cause health issues for those suffering from hypocrisy and having a crab mentality, it will also cause growing jealousy among the supporters of the previous administration.



Maraming may ayaw sa pag papatuloy na pagandahin ng DENR ang Manila Bay. Kung inyong titingnan sa larawan ang Manila Bay noong panahon administrasyong Nonoy Aquino. Walang artistang naglakas-loob na mag ngakngak at murahin ang bugok na administrasyon ni BS Aquino. Wala ring Dilawan na nag ingay dito. Ang larawan na makikita ay isa lamang sa nagpapatunay na malaking problema ang punong puno ng basura sa dalampasigan ng Manila Bay.





Ngayon naman na pinapaganda at nilinis ng Administrasyong  Duterte, Marami ng nakisawsaw at nakikialam kahit na matagal ng plano ito at may nakalagak na pondo para dito. Ang larawan sa baba ay ang pinaka latest na ngyayari ngayon sa Manila Bay.


 

Ang larawan sa baba ay ang plano o magiging itsura pagkatapos ng project sa Manila Bay.



Monday, September 14, 2020

PAANO KUMITA SA STOCK MARKET?

September 14, 2020 0 Comments

 



PAANO NGA BA KUMIKITA SA STOCK MARKET?


1. Capital Appreciations or Capital Gains - Ito ay profits or tubo na kinita mo kapag binenta mo ang iyong shares of stocks sa mas mataas na presyo kesa noong binili mo pa lang ito. Halimbawa kapag ikaw ay may sari sari store bumibili ka ng producto sa mababang halaga at binibenta mo ito ng mataas na halaga ito yung basic concept na buy low sell high. The question is “ Can I buy at high price?” sure you can kapag nakikita mo na may possibilidad na mas tumaas pa ang presyo neto dito papasok ang demand and supply. The more na mas ginugusto o tumatangkilik at mas kinakailangan ng tao ung bagay na yun halimbawa is mask and alcohol kasi pandemic mas lalo syang nagmamahal o mas lalong tumataas ang presyo neto dahil nagiiba eto sa normal na supply. ganyan din sa stock market the more na mas marami pang nabili maraming volume mas lalo pang tumataas ang price action neto. Paano ba macompute ng Capital appreciation or kung ilang percent ang kinita mo eto ang formula.


 (Selling Price - Buying Price)/ Buying Price x 100 = Capital Gains Yield


Huwag mangamba kasi kahit mismong ako mahina sa math haha sa broker naka indicate na dun automatically kung ilang percent ang kinita mo. Tandaan na may 1.19% fees na ibabawas sa bawat sell and buy naten sa bawat broker matic na bawas agad yan.


Isa ding dahilang kung bakit tumaas ang price ng shares of stock ay ang magandang kita ng isang corporation. Para maging updated kayo sa kitaan ng bawat stock kindly check ang PSE EDGE lahat ng stock jan naglalabas ng report.


Minsan ung rumor ng isang kumpanya na isa sya sa magiging third telco player ng Pilipinas. Halimbawa ay ang ISM na DITO na ngayon Due to anticipation one of the 3rd telco player gumagalaw na yung share price nya from October 2018 almost 3 pesos ang price nya after the awarding Nov 8 lalong umakayat by 8.30 pesos.


2. DIVIDENDS

Kapag ang company kumita, isa sa mga directors neto mag decide para sa portions ng bawat stockholders at tayo yun.


Mayroong 3 uri ng Dividends


1. Cash dividends - once na kumita ang company pwede syang magbigay ng portion sa mga stockholder neto ng cash.


2. Stock dividend instead of giving out money the company can give stock shares of stock to its stock holder


3. Property dividends for example you have trading and tandem company and meron syang subsidiary company na ang pangalan ay ph highlights company pwedeng ibigay ni trading in tandem ung shares of stock ni company ph highlights sa kanyang mga stock holder gingawa yan mostly kasi ung subsidiary company nila hindi kasama sa listing ng PSE so once na binigay nila yan 1 or 2 years biglang papasok ang bagong stock . example ay ang APVI


Take note: not all companies pay dividend. Why company give dividends paying out dividends is a sign of stability and strength. 


Kapag mas matagal ng nakakapag bigay ng dividend ang company ibig sabihin ay mas stable na at mas malakas mas matatag na ang kumpanya.


ANO NGA BA ANG STOCK MARKET at PAANO KUMIKITA DITO?

September 14, 2020 0 Comments



ANO NGA BA ANG STOCK MARKET at PAANO KUMIKITA DITO?


Everytime na naririnig naten ang word na STOCK MARKET we always jump ahead of ourselves we think about many complicated things such as Technical Analysis, blue green numbers, candle sticks, and equations. Yung iba nga sinasabi ito daw ay para lamang sa mayayaman. Sa mga nakapag aral lang mga professionals. Baka maluge lang sila at mahirap daw.


Balik tayo sa basic ano nga ba ang STOCK MARKET? Diba mayroon tayong tinatawag na wet market at dry market kung saan dito mo mabibili ang mga physical goods groceries gulay, karne at isda, samantalang sa Stock Market ito ay isang virtual masasabi kong pinasosyal na palengke kasi online ang pag buy and sell mo ng STOCKS. Pwede ka ding mag may ari ng mga kilalang kumpanya na nakikita na naten sa paligid naten tulad ng Jollibee, Ayala Corporation, Sm , Meralco, Manila Water, Globe, PLDT at marami pang iba.


ANO NGA BA ANG STOCKS?


Ito ay isang uri ng investment kung saan magiging parte ka ng isang company. Imagine gaining lots and lots of assets and earning millions of pesos and this company sells shares of stocks then that’s possible.

ANO NGA BA ANG INVESTMENT (PAMUMUHUNAN)?


Ayon sa wikipidia ito daw ay ​To invest is to allocate money in the expectation of some benefit in the future. In finance, the benefit from an investment is called a return.


HALIMBAWA: May isang sikat na kumpanya ang pangalan ay TRADING IN TANDEM CORPORATION gusto nya magexpand ng kanyang business. Mayroon syang nakikitang dalawang option humiram sa banko o mag ooffer sya ng shares of stock sa public at dyan na papasok tayong mga investor. At once na bumili ka ng stocks ikaw ay matatawag na stock holder.


The best part of being a STOCK HOLDER is that you get a claim on the company’s assets as well as on its profits. Habang kumikita ang kumpanya ikaw ay kumikita din.


MYTHS

1.Stock Market is only for rich people, not necessarily you really don’t need that huge sum of money in fact there are some broker they offer just only 5,000 pesos you can already start your financial journey you can already carve financial future. Kahit ano ka man ano man ang estado mo sa buhay at ano man ang iyong hanap buhay studyante,teacher, doctor, factory worker, tindera sa palengke security guard, OFW, at sea fearer, engineer o kasambahay pasok ka dito.


2. Stock Market is like a gambling. In gambling once you already place your bet it's already zero some gain. It’s already win or lose it’s either you go home with all or you go home with not. Eto yung umaasa ka sa swerte or luck na anytime pwede kang umuwing masaya or luhaan, while in Stock Market whenever you already incurring losses you can always stop the bleeding by pulling out your funds and then you can place this funds on other shares of stocks which you think can benefit you further. Kapag namumula natatalo na ang binili mong stocks kahit papaano may natitira pa at pwede mong isell anytime na gustuhin mo at ibili ng ibang stocks na kumikita. Pwede din na hintayin na tumaas kasi hindi pa naman masasabi na talo ang binili mong stocks habang ito ay hindi mo pa binibenta ito ay tinatawag na paper loss.


3. Not easy to understand the concept. So many you have to analyze and study. Along your win in there in your journey in stock market you will encounter a lot of concept, new ideas sometimes you even be push to the limits as you study hard. But by the end of the day remember that the stock market is still a market were buying and selling stocks of share and the price is crucial point just remember your market instinct you buy low and sell high. Basta palage lang tatandaan huwag mag papa hype palage lang bumili sa mababa at ibenta sa mataas parang kapag ikaw ay nagnenegosyo bibilihin mo ng mura ang iyong producto sa murang halaga pero ito ay ibebenta mo ng may tubo yan ang pinaka basic concept.


4. Usually leads to losses. Losing is a part of investor life. In fact everybody has experience losing in stock market but there is no need to be discouraged. You can always minimize your loses and maximize your gains as long as you practice due diligence and this is where the analysis of chart comes in eto yung technical analysis na tinatawag matututo ka about support and resistance at iba pang mga indicator na gamit, this is where the analysis of financial comes in eto ung fundamental analysis eto ung tipong aaralin mo maigi ung company kahit sa simpleng news na halimbawa naluluge na ang kumpanya may mga rules na hindi nasunod na tuluyan ng mag sasara hindi nagbayad ng tamang buwis tulad ng ABS CBN pwede din naman sa PSE EDGe site dun makikita ung financial status ng isang company. And this is also the part where in we study the right selection of the stocks with respect to your risk preferences and the level of income we can commit this is called MANAGEMENT OF EMOTIONS.

Click this >>> PAANO KUMITA SA STOCK MARKET


ANO ANG MORTGAGE REDEMPTION INSURANCE?

September 14, 2020 0 Comments

 


Photo credit: Lloyd Cafe Cadena Facebook


What is the importance of MRI when you purchase a condo or house and lot? "Pano ang bahay ni Lloyd Cadena? Wala namang ipanghuhulog sa loan yung mom nya?" Yan ang mga tanong na kumakalat sa social media mostly sila ang mga taong nagmamahal at nagsusuporta sa ating bida na si Lloyd Cadena.


LLOYD CAFE CADENA's HOUSE IS NOW FULLY PAID BECAUSE OF MRI.


𝗪𝗵𝗮𝘁 𝗶𝘀 𝗠𝗥𝗜?

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗲𝗱𝗲𝗺𝗽𝘁𝗶𝗼𝗻 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲


Mortgage Redemption Insurance is an insurance policy that provides financial protection for home loan borrowers and their families. Specifically, MRI helps settle outstanding home loan amounts in the event of death or total disablement of the borrowers.


It is a requirement by PAG-IBIG and banks before approving your HOUSING loan.


What will happen to a property if the owner dies without MRI? PAG-IBIG and Banks can foreclose the property regardless of how much is your remaining loan.


MRI ensures that the family will STILL have the house to live in when the owner die too soon.


𝗞𝘂𝗻𝗴 𝗶𝗸𝗮𝘄 𝗮𝗻𝗴 𝗯𝗿𝗲𝗮𝗱𝘄𝗶𝗻𝗻𝗲𝗿 𝗻𝗴 𝗽𝗮𝗺𝗶𝗹𝘆𝗮, 𝗮𝗻𝗴 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘁 𝗵𝗼𝘂𝘀𝗲 𝗹𝗼𝗮𝗻 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘆 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗺𝗲𝗿𝗼𝗻 𝗸𝗮.


 "Pano ang bahay ni Lloyd Cadena? 

Paano babayaran ng pamilya niya yung loan sa bahay?


LLOYD CAFE CADENA's HOUSE IS NOW FULLY PAID BECAUSE OF MRI.


MRI ensures that the family will STILL have the house to live in when the owner die too soon.


Ganyan po silbi ng MRI. 

Take noteDepende in some other cases kung wala syang  guarantor noong ni loan nya ang bahay. Like someone who are in abroad at na-heart attack dead on the spot may bahay sya na Kinuha sa pag-ibig pero dahil may naka guarantor hindi nila ma-waive ang amortization.


Ang LIFE INSURANCE naman ay para mabayaran ang mga utang (kung may maiwan), hospital bills, at ang araw-araw na pang gastos ng mga mahal mo sa buhay, kasi kung ikaw ang breadwinner mawawala din ang income na bumubuhay sa iyong pamilya.


Kung ikaw ay may house loan, kailangan mayroon kang MRI.




Thursday, September 10, 2020

WHY DO PEOPLE DROWN IN DEBT( UTANG)?

September 10, 2020 0 Comments



Why do people drown in Debt (UTANG)? 


"Debt is already embedded in our culture" . Ito ay isa sa mga bagay na normal na sa karamihan sa atin. 


We must know how to classify Good/Bad Debt.


Reasons:


1. Misinformation of the society →They feed us with wrong information that DEBT is good.(NORMAL LANG ANG UTANG ABNORMAL KA PAG WALA KANG UTANG). At sa paniniwalang walang nakukulong sa utang. Kaya karamihan sa atin ay walang takot na mangutang.


2. Living in higher Lifestyle →Don't go broke tryng to look rich. Buying things we don't need just to show up to impress people. Dapat alam natin ang pag kakaiba ng needs at wants ( kelangan at gusto). Marami sa mga tao yung pa- SOSYAL maka upload lang ng picture ng starbucks sa facebook masabi lang na IN samantalang ang inutangan ay naka 3in1 coffee lang. Yan ang realidad ngayon maki uso lang.


3.Too many people spend money they haven't earned. To buy things just to  impress people. Madali para sa ibang tao na gastusin ang perang hindi naman talaga nila pinag hirapan kaya go lang ng go ika nga nila 1 day millionaire mindset.


4. Passed-On responsibility → After you graduate, it's now your turn to support your siblings education or your parents retirement. Never treat children as Investment. Nagkaroon ka ng anak obligasyon mong buhayin at pag aralin, huwag kang mag anak para gawin mong investment pag tanda mo.


5. Lack of Financial Literacy → This is the reason why you're not able to break the culture of Debt. This is the reason why you're not able to AVOID THE TEMPTATION OF SOCIETY..(Credit Cards, Car loan, Housing Loan, etc.) Ito yung tipong paulit ulit na lang. Uutang ka tapos sasahod ka tapos yung sahod mo mapupunta lang sa pinag kakautangan mo.

 

It takes a lot of discipline how to get out of debt..


"Debt can turn into a disease. It could control your life diminish your happiness and limit your  freedom."