Wednesday, October 01, 2014

Blogapalooza 2014 Is Rescheduled On October 11!

Here it is and no stopping us! See you guys on October 11!


Monday, September 29, 2014

Watch Road Fighting Championship Live Thru Cignal TV's KIX HD


Are you an MMA fanatic?

Get the chance to live out your MMA dreams as Cignal TV brings a lucky subscriber and a friend to Korea to watch the ROAD FIGHTING CHAMPIONSHIP LIVE!

Road Fighting Championship is the home of combat sports in Asia as it hones Korea’s brightest MMA (Mixed Martial Arts) stars to step on the ring along with top international talents from Japan, Brazil, Europe, and the USA. The mettle of these fighters is tested as they try to prove that they are the best in the world by leaving their hearts and pride in the cage. Experience heart-pounding action full of knockouts and tap outs as Road FC fighters show their skills of different martial arts disciplines like Taekwondo, Jiu-jitsu, Karate, Boxing, Muay Thai, Wushu and many more. As Asia’s premiere MMA league, Korean fighters like Kang Kyung-Ho and Nam Yui-Chul challenge themselves and make their way on to the stage in full international television broadcast through Kix Channel, the ultimate destination for action entertainment.

This promo is open to all Cignal TV subscribers of Plans 830* and up and will run from September 01 to October 01, 2014.

To join, interested participants just need to like the official Facebook page of KIX HD (facebook.com/WatchKIX) and Cignal TV (facebook.com/CignalTV). Look for the KIX Home of Combat tab on Cignal TV Facebook page and simply answer the question “Why are you the biggest MMA fan?

KIX HD, which is Cignal TV’s latest explosive addition to its wide array of exciting channel offerings, is the ultimate destination of viewers who want a daily dose of high-octane and adrenaline pumping shows all in 100% clear screen. This 24/7 action entertainment authority delivers many rounds of blockbuster action movies, cutting-edge reality shows, hit action series, and combat sports. So if you want programs filled with heart-stomping entertainment, you’ll never have a dull moment with KIX HD.

Subscribe now to Cignal TV to get the chance to watch this great battle of supremacy in Korea’s largest MMA organization live!

KIX HD is available on Cignal TV channel 122. Visit www.cignal.tv and www.kix-tv.com for more details. Like facebook.com/CignalTV and facebook.com/WatchKIX for updates and promos.

*Plans are subject to installation, maintenance and outlet fees. For total recurring fees, log on to www.cignal.tv

Friday, September 26, 2014

Get More Out of Money, Get More Out of Life

It's my birthday! Yay!

Flashback: Last year, I celebrated it in the office since I was not able to take a leave due to workload. By our office tradition, everybody contributes a fixed amount to buy merienda. After that, our CEO took me to Kitchen's Best for a treat. How cool is that?

This year, I decided to spend it in, I believed, a worthwhile afternoon. True enough, I met new intellectuals! A relaxed afternoon of conversation, coffee and sweets with fellow bloggers and Ms Salve Dulpito, a resident financial adviser on ANC's daily show On The Money concluded my day. I think meeting her has a purpose in my life. It was just recently that I realized I've been working all my life and I have no savings!

It's not that I live beyond my means. I think I'm just generous and considerate I did not put much  importance on saving for future needs. I feel like what I earn from my employment is just enough for my family's needs. Almost always nothing's left in the ATM. Well, it's high time I sit down seriously and do something about it. This is really perfect timing for me.

Salve's story is relatable. I know the feeling of going to school with little or no baon at all.
But instead of feeling down, this inspired her to strive and reach for her goal. What convinced me to attend her workshop is her advocacy in financial education which is also shared by Pioneer Insurance. We'll see after the workshop and I would be more than willing to write about how I did and share it to you as well. If you are on the same situation as I am, or worse (I hope not!) and available on October 11, 2014, the time is now to act on your present personal financial crisis. This is just a 3-hour workshop and there are one-on-one sessions with financial coaches afterwards. You can avail of the early bird rate of PhP1,800.00 if you register through ADeals on or before October 3! I hope you'll grab it and start saving.


Hey, I'm not broke. But I'd be close to being one if I will not change my behavior towards my personal finances. I knew it myself but could not act on it. I need some strategies and conviction to do it ASAP. Hopefully, I can start up after the seminar and live it up!

Wednesday, September 24, 2014

Manulife's Survey Shows Optimistic Filipinos Invest On Risky Assumptions

The majority of Filipino investors are satisfied with their government pension – but that sentiment is based on specific assumptions and a cash-dominant approach to retirement working out, according to the latest Manulife Investor Sentiment Index.*

Two-thirds of respondents said that they are confident that their government pension would be enough to meet their needs upon retirement – the highest level of all surveyed markets. In contrast, across all surveyed markets the proportion of confident investors was less than 40 percent, and as low as one-in-ten in some markets.

While such optimism seems positive, the survey shows it is based on some risky assumptions. First, investors expect their retirement income to be relatively high, at 92% of their current income – the highest estimate among all surveyed markets (Asia average 69%). Second, they expect their retirement expenses to be relatively low, at just 61 percent of their current income, at the lower end of surveyed markets (Asia average 66%). Third, nearly all (95%) said that in retirement they expect to rely on private healthcare – by contrast, in every other market only a minority expected to rely on private healthcare (Asia average 38%).

Filipino investors have high estimates of their retirement income. Even if these turn out to be right, they may not be enough to cover their actual costs,” said Ryan Charland, CEO of Manulife Philippines. “Today, people generally expect their retirement to be active, and that means expenses will likely be much higher than what many realize. In addition, healthcare tends to cost a lot more than people expect. In Asia healthcare costs have risen about twice the rate of inflation over the past 10 years. Of course, it’s even more expensive if you go private.”

The survey highlights that Filipino investors have a high degree of reliance on their government pension, with only one in five owning an additional, private pension plan. Instead, many expect to fall back on other, less assured, largely cash-forms of income, notably savings (which they expect to make up 37% of their retirement income) and inheritance (12% of their retirement income) – in both cases the highest reliance of any surveyed markets. This cash-dominant approach to retirement is reinforced by the finding that, on receiving their pension, Philippine investors plan to deposit nearly half into the bank, the second-highest level of all markets (Asia average 35%).

We know that Filipino investors like to hold cash and are among the most cash-heavy investors in Asia. The latest survey shows us they also plan to be Asia’s most cash-reliant investors when retired,” said Mr. Charland. “Keeping cash in the bank provides minimal returns, which may not even keep up with inflation. Their retirement optimism would have a sounder basis with a more balanced portfolio, especially given that retirement today can last 30 years or more.”

*About Manulife Investor Sentiment Index in Asia

Manulife’s Investor Sentiment Index in Asia is a quarterly, proprietary survey measuring and tracking investors’ views across eight markets in the region on their attitudes towards key asset classes and related issues. The Index is calculated as a net score (% of “Very good time” and “Good time” minus % of “Bad time” and “Very bad time”) for each asset class. The overall index is calculated as an average of the index figures of asset classes. A positive number means a positive sentiment, zero means a neutral sentiment, and a negative number means negative sentiment.

The Manulife ISI is based on 500 online interviews in each market of Hong Kong, China, Taiwan, Japan, and Singapore; in Malaysia, Indonesia and the Philippines it is conducted face-to-face. Respondents are middle class to affluent investors, aged 25 years and above who are the primary decision maker of financial matters in the household and currently have investment products.

The Manulife ISI is a long-established research series in North America. The Manulife ISI has been measuring investor sentiment in Canada for the past 15 years, and extended this to its John Hancock operation in the U.S. in 2011. Asset classes taken into Manulife ISI Asia calculations are stocks/equities, real estate (primary residence and other investment properties), mutual funds/unit trusts, fixed income investment and cash.

About Manulife

Manulife is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Clients look to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, agents and distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to institutional customers. Funds under management by Manulife and its subsidiaries were approximately C$637 billion (US$597 billion) as at June 30, 2014. We operate as John Hancock in the U.S. and as Manulife in other parts of the world.

Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at manulife.com.

Tuesday, September 16, 2014

The Attack of Bacteria: What You Need To Know About The Enemy


Good oral hygiene begins and ends with bacteria. Start with a healthy environment for good bacteria to grow, and maintain this regimen by preventing bad bacteria from accumulating and causing plaque, cavities, and bad breath.

Win the fight against the bacteria in your mouth with oral care habits, starting with the food you eat. Avoid sugary and starchy food, consume more vegetables, and drink your eight glasses of water a day. After eating, always brushing your teeth, use oral care products with anti-bacterial features, and clean your tongue with scrapers or your tooth brush. By knowing the enemy of good oral hygiene, you can easily win the fight against it.

Monday, September 15, 2014

Teeth Check: How Clean Are Your Teeth?



Just like every part of our body, our teeth can get dirty too. From eating too much sweets and drinking carbonated drinks to keeping bacteria-friendly toothbrushes, there are many causes for dirty teeth. However, cleaning your teeth can be just as easy as one-two-three. Floss first to remove bigger debris in between the teeth. Second, brush your teeth at least twice daily for two minutes each time. Third, don’t forget your tongue and brush this area clean too.

And to beef up your daily regimen even more, here are three teeth-cleaning partners to help maintain your pearly whites. First is a 12-hour anti-bacterial protection toothpaste to boost your teeth’s defense. Second is the right toothbrush that suits your cleaning needs. And of course, don’t forget to visit your dentist every six months for professional cleaning.

Remember, it’s easy to get our teeth dirty, but with a little effort, having clean teeth will become even easier.

Saturday, August 23, 2014

Share A Little Bit More Than Pre-loved Clothes


Remember that one special shirt you used to wear almost every day when you were much younger? Or that dress you wore on your first date with your husband? Are you willing to give it away for a good cause? As we quickly approach the season of giving, Electrolux, a global leader in home appliances, challenges you to give a bit more of yourself through the Delightful-E Simple campaign.

Share with us a special piece of clothing that is close to your heart and you might just be one of the four winners of a twin tub washing machine and laundry gift packs from Electrolux. Join the Delightful-E Simple to Share Instagram and Twitter contest by following these three easy steps: (1) take a photo of a special piece of clothing that you are willing to donate; (2) share why it is special to you and why you wish to donate it; and (3) use the hashtags #DelightfulE and #SimpleToShare and tag @ElectroluxPH.

The Delightful-E Simple to Share contest will run from August 1 to September 30, 2014.

About Electrolux

Electrolux is a global leader in home appliances, based on deep consumer insight and developed in close collaboration with professional users. We offer thoughtfully designed, innovative solutions for households and businesses, with products such as refrigerators, dishwashers, washing machines, cookers, vacuum cleaners, air conditioners and small domestic appliances. Under esteemed brands including Electrolux, AEG, Zanussi, Frigidaire, Electrolux Grand Cuisine and White-Westinghouse, the Group sells more than 50 million products to customers in more than 150 markets every year. In 2013 Electrolux had sales of SEK 109 billion and 61,000 employees.

About FleishmanHillard

FleishmanHillard is the world’s most complete global communications firm, specializing in public relations, public affairs, marketing, paid media, and transmedia and social content. FleishmanHillard delivers on The power of true, reflecting the firm’s high values and unique ability to guide clients through a world demanding unprecedented authenticity and transparency. FleishmanHillard was named “Standout Agency” on Advertising Age’s 2013 A-List; NAFE’s “Top 50 Companies for Executive Women” for 2010-2013; Advertising Age’s 2012 “Best Places to Work”; and The Holmes Report’s 2012 Global “Public Affairs Agency of the Year.” The firm’s award-winning work is widely heralded, including at the Cannes International Festival of Creativity. FleishmanHillard is part of Diversified Agency Services, a division of Omnicom Group Inc., and has more than 80 offices in 29 countries, plus affiliates in 42 countries. Visit us at fleishmanhillard.com.