Everything Finance

You Should Be Investing in the Philippines!

2012-10-07T21:51:00.002-07:00

Reasons Why You Should Invest in the Philippines

Philippines has been showcasing strong economic growth and many foreign investors think of the country as a place to invest in long term. (Check related posts: Invest in Breakout Nations, Invest in Philippines and Investors Choose Philippines).

The video clip from Bloomberg below explores several other reasons why you should be investing in the Philippines.

How to Open a CitisecOnline Account

2012-06-16T02:06:00.005-07:00

How to Open an Account with CitsecOnline

So you want to learn and earn from the Philippines stock market? You may want to start with the things every newbie should know about the stock market. It highlights the most basic questions about the stock market, how to get started in investing, where to invest, what are some of the best blogs and online resources when investing in the stock market.

Steps on How to Open an Account with CitisecOnline:

1. Choose a trading/investing account

Options available are Personal Accounts which is divided in Regular Account and the EIP (Easy Investment Program) and Corporate Accounts.

a. Regular Account

- Minimum deposit of P 25,000).

- It is a personal trading account that be owned by a single person or jointly.

b. EIP (Easy Investment Program)

- Minimum deposit - P 5,000

- Uses a calendared Cost Averaging Strategy. It means that you will have to follow a schedule and regular investment on the account (for example: P5,000 monthly)

2. Download and fill up the Personal Account or Corporate Account Forms

a. Personal Account Forms:

The forms contain the Individual Customer Account Information Form (CAIF), Online Securities Trading Agreement and Signature Cards. You may download all of three here.

b. Corporate Account Forms:

Customer Account Information Form (Download here)

Online Securities Trading Agreement (Download here)

Signature Cards (Download here)

For detailed instructions on how to fill out the Personal Account: EIP & REGULAR Account forms, click here.

What are the Requirements?

3. Prepare two (2) copies of any valid ID and one (1) latest copy of your utility bill, bank statement or credit card statement.

a. Personal Account

(1) Photocopy or Scan copy of a Government Issued Valid ID

(ex. Driver's License, Passport, SSS ID, Senior Citizen ID, Voter's ID)

Important note: Photo and Signature on the ID should be clear

(2) Billing Statement - waived with a personal appearance

(ex. Utility Bill, Credit Card Bill)

Important note: Name, Address and Date should be present in the statement

b. For Corporate Account

a. Photocopy of each of the following documents duly Certified by the corporate secretary:

SEC Registration

Articles of Incorporation, Partnership or equivalent

By-Laws of the Corporation

Latest General Information Sheet (GIS) filed with the Securities and Exchange Commission (SEC)

Latest Audited Financial Statements

Notarized Board Resolution authorizing the corporation to open an account with

b. CitisecOnline and the designated officer(s) authorized to transact and trade in behalf of the corporation

c. Sworn Statement as to the existence or non-existence of beneficial owners certified by the corporate secretary

d. Photocopy of one (1) identity document issued by the Philippine Government of the authorized officer(s)

4. Submit the documents to CitisecOnline

CitisecOnline.com, Inc.

Address: 2403B East Tower, Philippine Stock Exchange Centre,

Exchange Road, Ortigas Center, Pasig City, 1605 Philippines

Note: Hard Copies of the documents are needed as the company cannot approve scanned or faxed copies of the application forms.

How to Fund the Account?

5. Fund the Account

Once your application has been approved, we will send you your 8-digit CitisecOnline account number to be used for your funding.

You can now fund your CitisecOnline Account through any of the following options:

FUNDING OPTIONS

BANKS AVAILABLE

Online Banking via Merchant Payment

Bank of the Philippine Islands - www.bpiexpressonline.com

Banco de Oro - www.mybdo.com.ph

Metrobank - www.metrobank.com.ph

Over-the-Counter via Merchant Payment

Bank of the Philippine Islands

Banco de Oro

Metrobank

Over-the-Counter via CitisecOnline Business Center

CitisecOnline Business Center

2403B East Tower, Philippine Stock Exchange Centre,

Exchange Road, Ortigas Center, Philippines

*It is IMPORTANT to indicate the CITISECONLINE ACCOUNT HOLDER'S NAME and

COL ACCOUNT NUMBER when making payments to ensure proper and timely credit to your account.

Minimum Initial Deposit for EIP Account: P5,000

Minimum Initial Deposit for Regular and Corporate Account: P25,000

6. Login to your CitisecOnline Account

Once your account has been approved and funded, your log-in details will be sent to you via email.

7. Have fun investing and trading!

Should you have any investing and finance-related questions, feel free to ask me and I will try to answer them in the next Reader Asks section of this blog.

How to Become A Billionaire: Be an Entrepreneur or Investor?

2012-05-08T10:32:00.001-07:00

World's Top 10 Billionaires of 2012 - Entrepreneurs and Investors

When we look at the list of the world's top billionaires, we can't help but wonder what have they done in order for them to accumulate such wealth and reach their current status.

From Forbes list of wealthiest people in the world, you can easily find their most common denominator - all of them are entrepreneurs and investors. All of them have different companies which they own and not just work for (employee of).

Among the wealthiest billionaires on the list, the one which really caught my attention was Warren Buffet. While the others may own companies which manufacture products and provide services, his company was mainly focused on investing.

He was more of an investor instead of entrepreneur. He determines the value of companies and identifies which ones to invest in. Unlike other billionaires, he doesn't have to start a company from the ground and make name for it. Instead, he identifies companies which value could increase in the long run and invest in them.

To Become a Billionaire: Do you Have to be An Entrepreneur or Investor?

It is interesting to note that Warren Buffett does not hold shares of the two giant tech companies - Google and Apple. It was also reported that he has no plans to invest in Facebook. He only practices what he preaches as he always suggests that investors stick to simple business that they understand.

So it brings me to the question: If you want to be wealthy, which one would you prefer - be an entrepreneur (create products and services) or be an investor (simply identify companies that you would want to invest in)?

Philippines: A Country to Invest in Long Term

2012-03-12T22:55:00.004-07:00

Bloomberg reports that Philippines is a Leading Asian Tiger Economy of the World and Best Countries to Invest in Long Term

Philippines is getting more and more confidence from foreign investors as Bloomberg has reported it as a leading Asian Tiger Economy of the World and CNBC included it as one of the top 12 countries to invest in long term.

How to Live Life Like Warren Buffett

2012-02-15T04:24:00.000-08:00

While trying to reach my financial goals in life, there are several people that I look up to for inspiration and motivation. One of them is the ultimate finance genius - Warrenn Buffett.

If you're like me and you've always wondered how did he acquire his wealth, how does he make such intelligent financial decisions, below are just some gold nuggets that if only we could all follow, we would all enjoy a much more bountiful and comfortable life. His ways are not always the easiest, but always worth the try.

Thank you Issa of You Want to be Rich for sharing this gold nugget on your Wall.

Most Inspiring Women in Personal Finance

2012-02-04T20:49:00.000-08:00

In everything we do, there's always some sort of motivating force that helps us to keep on moving. The same is true when we're trying to save more money or invest. I am currently in the process of compiling a list of the most inspiring women in the personal finance field. These women are not only the light of their home but have also served as a great inspiration for many people especially in the personal finance field.

Photo Source: Allana Yao

May I invite my readers to share who do you think are the most inspiring women in the field of personal finance and how they were able to help you reach you financial goals through their blogs, their columns and other media that has not only inspired but also motivated you to do something towards reaching your goals.

Please use the comment section to post your suggestions, recommendations and reasons or you may send me your suggestions on Twitter and Facebook.

I look forward hearing from you!

Things that I'm Most Grateful for the Year 2011

2011-12-24T01:53:00.000-08:00

The year 2011 is about to close and it has been a bountiful and interesting year for me. The Lord has showered me with so much blessings that made my life even more meaningful. Instead of listing down any wishlist, I decided to reminisce some of the most wonderful events that transpired this year.

Though I am grateful for every single day that God has blessed me, there were some events that really made me feel so special and I'm most grateful of.

1. Taking Chances and Zorbing in Boracay

Last March, me and my highschool friends went to Boracay to shoot the Veet the Bad Guys video which became my winning entry to the Veet Me 2011 contest wherein I eventually won an iPad and Date with Daniel Matsunaga. You may view a copy of the video which won the said contest.

From our abrupt yet meaningful trip to Boracay, me and friends learned so much about the importance of making time and spend it with those whom you love and matters the most to you because you never know what tomorrow could bring. From that trip, I also learned the importance of believing in yourself and taking chances. You may view more photos of the said trip here.

2. Date with Daniel Matsunaga

Taking chances and trying my best have been paid off when I won the Veet Me 2011 contest wherein I got a chance to date with one of hottest and nicest celebrities in the Philippines - Daniel Matsunaga.

We rode a cute 1958 Volkswagen to our dating place at Chelsea in Serrendra. I got a chance to learn more that Daniel Matsunaga is not only blessed with good looks but he's got the pleasant personality and optimistic attitude to match it.

During the date, Daniel even offered to call one of my friends so he could greet them but I told him I could record him in a video wherein he could greet all of my friends instead. Below is a copy of the said video. You may view more photos of the said date here.

3. GMA News Think Before You Click Special Edition Interview

In a special edition of GMA News' ReelTime for Think Before you Click, I was interviewed to share my story of how the internet and social media has helped me find opportunities beyond the real world.

From a simple remark of "Get a life!", I have turned the said challenge as an opportunity to create a success for myself through the virtual world as a virtual assistant and eventually as a Social Media Strategist. Social networking has also helped me learn how to invest in the stock market and save for my dream house.

Below is a copy of the said interview. You may also view more Behind the Scenes photos here.

3. Yahoo! Philippines Mail Ambassador of Cool

Up to this time I still couldn't believe that I was chosen to be the winner for Yahoo! Philippines Mail Who Rules Cool? contest and got a chance to live like a royalty for a day.

The day started with me riding a Jaguar 2011 XF and once I arrived at Hotel Sofitel Philippine Plaza Manila, I was welcomed by their executives Resident Manager Carl Gagnon, General Manager Goran Aleks and Public Relations Manager Christina del Carmen.

Jaguar Experience

Makeover by a Hairstylist to the Stars

The pinch-me-moments continued with me getting a makeover done by the hairstylist to the celebrities, Philippe Tordjman. Philippe Tordjman is the man who has worked on the tresses of Meg Ryan, Antonio Banderas, Justin Timberlake, Kelly Rowland, Melanie Griffith and even Hillary Clinton.

Probably I was the last person whom he cut the hair before he cuts the hair of US Secretary Hilary Cliton the next day, so that made the whole experience way more awesome! ;) You may view more photos of the said makeover on Philippe page. You may also watch the whole makeover experience through the video below.

French Massage and Delightful Dinner

Another favorite of mine during the said Purple Royalty Experience was the French massage wherein I got to relax and enjoy the mango tea which they served prior to the massage. The dinner was delightful too!

To complete the Purple Royal Experience, I stayed in Sofitel's Opera Suite. It was quite such an elegant and huge room for just one person, really. Each room of the suite has a balcony, for a total of four, with a view overlooking the swimming pool and Manila Bay. There were also exquisite gifts from Jewelmer and from Yahoo which is a ToyWatch.

It was a day that I would forever cherish. Thank you so much Yahoo! Philippines, Sofitel Manila, Jewelmer and ToyWatch! You may view more photos of the said coolest experience here or simply watch the photo montage which I created below.

Those were just some of the most cherished moments which I am most grateful for the year 2011. Moments that help remind me of how beautiful the world is, and the life is better spent being thankful for the good things, great people we get to meet, learn from the lessons of the past so we could better be equipped for the present and the future and most importantly, finding ways to continue being a blessing to all the lives we're in contact with.

Do not think of the few things you did not get after praying. Think of the countless blessings that God gave you even without asking.

Cheers to a much more blessed year ahead! What about you, what are you most grateful for the year 2011? Share your thoughts below!

#ReaderAsks: What are Index Funds? Where can I Invest in the Philippines?

2011-12-24T00:57:00.000-08:00

What are Index Funds?

Image by FortuneWatch.com

Index funds are mutual funds that are intended to track the returns of a market index. An index is a group of securities that represents a particular segment of the market (stock market, bond market, etc.). It doesn't require an active manager (i.e. it is a passive investment). It simply tracks an index.

Where can I invest in Index Funds in the Philippines?

The Philippine Index Fund (PIF) is actually also a mutual fund that tracks the Phisix, QQQ or cubes, Spiders, Diamonds and the likes so it is priced just like the mutual funds. The article below provides more information about the Philippine Index fund also known as PIP.

Riding It High With Philippine Index Fund

By Vernadette Joven

Looking for a hassle-free, low-cost, flexible and diverse range investment? Philippine Index Fund (PIF) is just the answer for you. The country's first and only index tracker fund that aims to provide an alternative for investors who believe in the potential of the stock market while enjoying a risk diversity and low entry cost.

According to Philippine Stock Exchange Composite Index (PHISIX) officials, PIF sends a strong signal to the investing public that the stock market is really a worthy investment.

As a flexible, multipurpose investment, PIF creates a broader awareness on equity investing among small individual investors. These investors will be a large retail market of long-term equity investors that will help increase the savings rate of the country, if proper strategies are pursued and implemented.

With a minimum investment of only P50,000 during the initial offer period, investors are effectively investing in a diversified portfolio of 33 stocks comprising PHISIX. Aside from the minimum initial investment amount, investors also get to enjoy trading in the market without the hassle of daily individual stock monitoring.

Investment experts say that the general outlook on the stock market remains positive as long as the following indicators are followed: strong evidence of improved fiscal deficit management, stability in the local currency, stable interest rate environment, strong corporate earnings growth, resurgence of foreign funds inflow in the local bourse and the passage of revenue generating tax laws, which is expected to improve the government's fiscal position.

What companies are included in the Index Fund?

You may view the MSCI Philippines Investable Market Index Fund here.

Got any investment and saving questions? You may view related questions that were answered through #ReaderAsks. Feel free to get in touch with me on Facebook and post your questions on my Wall.

Reasons to Go Home in the Philippines for Christmas

2011-12-04T15:41:00.001-08:00

The celebration of Christmas in the Philippines is like no other. Both adults and children are looking forward to the longest of the Philippines festivities because it is the time of the year when families and relatives could enjoy time together and for the children to anxiously open their regalo or gifts from their Ninong and Ninangs (godparents).

The celebration of Christmas in the Philippines is considered to be the world's longest Christmas season with Christmas carols could be heard in as early as September and the season lasting up until Epiphany, the feast of the Black Nazarene on January 9 or the Feast of the Santo Niño de Cebú held every third Sunday of January.

Filipinos have several traditions which makes the celebration in the Philippines unique. While one may not see the usual snows in the Philippines, it could be compensated with the bright lights and decorations found in parol or lanterns adorned in Filipinos houses offices, schools and even the streets. Some municipalities even award households with the best lantern and Christmas lights displays.

Photo Credit

Other fun traditions by Filipinos during the Christmas season is the Simbang Gabi which is a series of nine (9) dawn masses, the mass starts as early as 4:00 a.m. It is believed by many Christians that when you get to complete attending the mass beginning from December 16 until the midnight of the December 24th, one's wishes may be granted.

Photo Credit

There are really many reasons why our OFW relatives and friends should consider going home this coming Christmas, one of which is the opening of the Pinoy Homecoming hospitality center at the Diosdado Macapagal International Airport.

Pinoy Homecoming Hospitality Center Opens at DMIA

Balikbayans arriving at the Diosdado Macapagal International Airport (DMIA) in Pampanga, will experience their warmest welcome yet with the opening of the Pinoy Homecoming Hospitality Center at the airport on November 29.

Spearheaded by the Department of Tourism (DOT), the homecoming center is part of the government's ongoing efforts to boost visitor arrivals from the balikbayan market by 25 percent in the next five years. Dubbed as the Pinoy Homecoming campaign, it primarily targets Filipinos based overseas, not only in the United States and Canada but worldwide.

A result of Presidential Proclamation No. 181 “Declaring the Years 2011 to 2016 as the Pinoy Homecoming Years” signed on June 3, 2011, the campaign supports Republic Act No. 6768, as amended, or the “Balikbayan Program.” Under the Balikbayan Program, overseas Filipinos (OFs) are given special privileges and benefits in recognition of their contribution to the growth of the Philippine economy in terms of foreign exchange inflow and remittances.

“This is a campaign that recognizes three things: the invaluable contributions of Filipinos overseas, our urgent need to develop and promote Philippine tourism further and how much can be achieved when government agencies work together,” shares DOT Secretary Ramon Jimenez. “We also have to tap into the market of second and third generation Filipinos abroad and encourage them to discover their roots.”

To reach this set of younger Filipinos abroad, the campaign also has a digital marketing component. Through the website www.pinoyhomecoming.ph, Pinoys abroad can easily access Philippine news portals, tourism products and services, practical balikbayan tips, Philippine holiday and festival calendars, as well as a directory of industry partners and the contact details of DOT’s international offices.

The campaign is supported by Globe Telecom, Duty Free Philippines Corporation (DFPC)and the over 700 partner-merchants nationwide. For more information on the campaign and balikbayan benefits, contact the Pinoy Homecoming Secretariat at 632 525-1255, 632 525-9318 local 268 or 244; fax to (632) 521-6165, or e-mail at tts@dotpcvc.gov.ph.

So, will you come home this Christmas?

A REview of PPLIC: Is it Really a Scam?

2011-11-21T02:40:00.000-08:00

Is PPLIC Really a Scam?

Note: This is an update of my previous post about PPLIC being a scam insurance company. From what I've learned, they clearly are not a scam company. It's just that some agents used some deceptive marketing tactics in the past.

Perhaps one of the most frequently asked questions by people who read this blog is whether PPLIC or Philippine Prudential Life Insurance Company, Inc (not to be confused with Prudentiallife Plans Inc., a pre-need insurance company) is a scam insurance company or not.

What is a Scam?

Consumer Fraud Reporting defines a scam as a "confidence trick, confidence game, or con for short (also known as a scam) is an attempt to intentionally mislead a person or persons (known as the mark) usually with the goal of financial or other gain".

The insurance agent who approached me was clearly misleading with her marketing tactics. However, this does not mean that PPLIC in general is a scam company. Upon digging a few online documents in the Insurance Commission Official website, PPLIC is actually listed number 19th in their authorized and licensed insurance companies in the Philippines.

In a meeting with Rod Estrera, the Assistant Vice President & Head, Corporate Communication of PPLIC, he explained to me that these agents are actually constantly being evaluated by the company to see who among them actually adhere to the company's selling strategies as some of them try to mislead prospective clients. The company actually does not tolerate the misleading questions by its agents and he made it clear that agents should ask whether you are interested in insuring your family's future instead of the silly introductory question, "Do you have a credit card?".

Is it Secured to Insure with PPLIC?

When I first wrote about PPLIC being a scam insurance company, the assumption was based on the marketing approach which I experienced when I bought an insurance policy from them. I didn't know they were 48 years in the business already. I didn't know they were actually included in the list of authorized insurance companies by the Insurance Commission.

All I know was that I was tricked into listening for almost a couple of hours when it thought the presentation was only going to last 45 minutes.

I know that what concerns most policy owners is whether the company could truly deliver its promise.

1. 48 Years in Service

The company has been in the business since 1963, which makes it a 48-year-old insurance company.

2. True to its Promise

In their Philippine Prudential Times Special Anniversary issue, I've got to see several policyholders who actually claimed their benefits. I've included a copy of the said page so you may take a look at it for yourself.

3. Superbrands

PPLIC is actually one of the few companies awarded with the Superbrands recognition. These are the strongest brands in the Philippines and the world, augmented by the expert insights of the Philippines Superbrands Councils consisted of some of the most respected people in the Philippine media, marketing and communications industries.

I know, we've been told by the agents who approached us before but there it is, along with many other trusted brands in the Philippines and outside of the country. It's a seal which signifies its strength and dedication to its customers.

I want to keep my blog to be unbiased and open to both sides of those who are concerned. I want my readers to hear, or rather, read the company's side as well. From what I've learned during the meeting with the company's representative, the company actually has nothing but pure intent to serve its clients. It's just unfortunate that it's got some agents who tarnish its reputation and resort into deceptive or misleading marketing tactics and it is something that they do NOT tolerate.

If you're still experiencing any of these misleading approaches, you may get in touch with their Customer Service through the following contact information:

Customer Care Hotline: (02) 902-2300

E-Mail Address: mypolicy@philprudentiallife.com

Globe Mobile No.: 0917-57-PPLIC (77542)

Smart Mobile No.: 0908-88-PPLIC (77542)

Corporate Web Site: www.philprudentiallife.com

If you've got questions about your policy, you may also get in touch with them through Facebook and Twitter.

Resources to Cancel Your Philippine Prudential Life Insurance (PPLIC)

2011-02-23T03:24:00.000-08:00

Once and for all, if you're unsatisfied with your PPLIC insurance, here are my posts about how to cancel, sample of cancellation letter and other steps to follow when cancelling.

While I don't mind people texting me and sending me tweets or messages on my email, I am so sorry if I couldn't respond to all your requests especially when I am in no way an insurance expert. I am not a lawyer so I couldn't speak up like or for one. Please understand that all your specific concerns have specific answers and the PPLIC might have changed their rules so I can only comment and speak for what I have experienced. With that being said, may you find these links and resources helpful in getting your policy cancelled if you really want to. I cancelled my policy because I found a better company of which I am comfortable investing my money with but I am not convincing or persuading any of you guys to do the same. Feel free to use the following resources if you're sure about cancelling.

Stay Away from Philippine Prudential Life Insurance Promos - Here's why I think their marketing strategies make them appear like one of those scam insurance companies.

How to Cancel your PPLIC (Philippine Prudential Life Insurance Company) And Get your Refund! - Steps on how you could get your refund from PPLIC. Steps in helping you get started in cancelling and getting your refund.

Philippine Prudential Life Insurance Company Cancellation Letter Example - To help you get started in cancelling your policy, here's a sample of the cancellation letter.

Philippine Prudential Life Insurance Credited Back My Money After Less Than a Month - I got my refund in less than 30 days. So could you too!

Bonus: You can get in touch with the Insurance Commission at +632 5238461-70 , if you have any compliants against any insurance company.

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LinkTrackr.com 2.0 - Not Just Your Ordinary Link Tracker

2011-02-20T02:05:00.000-08:00

The Gurus Have Long Been Using LinkTrackr.com. What Has Been Keeping You?

Are you an internet marketer that depends highly on your affiliate marketing income? How would you like to be taken seriously by your targeted market and not to have your expected sales hijacked or stolen from you?

When you're into affiliate marting, you need to cloak your links in order to avoid others from hijacking or stealing commissions from you and of course, to show everyone that you really know your thing. If you happen to have no prior technical skills, no worries! LinkTrackr.com has got some really user-friendly interface that even your grandma would easily navigate to! ;-)

There are various link cloakers and trackers available online which could help you keep track of the number of visitors on your site but what about the capability to keep track which among your campaigns is really doing great and rocking it? Don't you just wish you could have a full control and make the most of your affiliate marketing campaigns?

Well I guess you're lucky as the guys at LinkTrackr.com have just heard your prayers and are about to end every internet marketers pain in the butt.

Heck no, it's not just another link tracker. It's way more than that as they give you extra super powers that makes you just as omniscient as super [online] man. Well yeah, sort of. ;-)

Unlike most link trackers, LinkTrackr 2.0 allows you to have full control of your campaigns through its new added features like A/B split testing and conversion tracking!

Whooa, look at that! Oh man, I'm not describing to you the future of link tracking. We're talking about NOW. It's right here, right now with LinkTracker 2.0. These guys have recognized that there's much more than tracking the number of links in a link tracking platform. For an affiliate marketer to be fully equipped in all his campaigns, he needs a platform that allows him to keep track of the numbers, demographics, and yes, it would be sweet if there are additional features that helps in virality of the campaign. Now wouldn't that be sweet?

The Future of Link Tracking in LinkTrackr 2.0

You can now customize your affiliate links making it search-engine friendly. Yep, you've read it right, you can customize your link to suit your fancy. Say goodbye to funky URL's and say hello to SEO-friendly link with LinkTrackr!

Now doesn't that sound like something we affiliate marketers have always been hoping for a link tracker? You bet!

Those were just some of the capabilities of the LinkTrackr older version. The good thing is, LinkTrackr 2.0 just got even better as it allows you to:

1. Cloak and mask affiliate links so you don't have to worry about some clever marketer stealing your commissions and let this much more clever system take care of them instead! ;-)

2. Keep track of literally hundreds of campaigns such as banner ads, PPC and other campaigns without any prior technical knowledge. So yeah, you could feel like one of those internet marketing gurus for using this system like them without trying so hard to be one. Right, LinkTrackr 2.0 does the tricks for you.

3. Viral Bar- Holly Molly! This feature totally sets LinkTrackr from any other link tracking sites and systems as its affiliate marketing gone viral kind of thing allows your readers to share your content to various social media sites such as Facebook and Twitter. Being a social media strategist that I am, I think this feature has just gotten the LinkTrackr team some brownie points ;-)

Now if that feature alone isn't amazing to you, I don't know what else is.

Oh wait, there's more!

4. It has a Wordpress plugin that can convert your keywords to your tracking links! (Talking about being SEO-friendly). Now isn't that internet marketing made easy?

5. Hands down! It's totally web-based so there's no need for downloading any software baby!

On top of that, they have this risk-free 30-day money back guarantee that if you aren't satisfied with the system, you could simply tell them and they'd refund your money! No questions asked. (Though I doubt you'd do that).

Now for the very reason why you need to check out the LinkTrackr 2.0. Sit back. Take a cup of coffee at one hand and mouse on the other.

A/B Split Testing

As the name implies, you can test which among your campaigns is truly converting. You see, in affiliate marketing, it's not just the traffic but most importantly, the conversion. Leads.Sales.

I've used a lot of link tracking system - with that I mean really a lot - but nothing comes close to the practicality and being user-friendly of LinkTrackr.com! Now don't take just my words for it. You've just gotta have to experience it yourself.

This post was created for the LinkTrackr February 2011 Contest where you stand a real chance to win a brand new Apple iPad 64G with 3G + Wifi worth $839.

Free Affiliate Marketing Tips - Download "Death of an Affiliate" Now!

How to Lose Your Healthy Skin in 3 Simple Ways!

2011-02-19T07:37:00.000-08:00

There's a lot of beauty tips available in the internet on how to make you skin healthy and beautiful. I'm sorry, I don't wanna add to the drama. I'm not a guru either but here are just three simple ways to easily lose that healthy skin in you! Yes, you've read it right, unless you're born with a skin disease, we were all blessed with a healthy, young looking skin -- until everything became gradually damaged by various factors such as the environment and unhealthy lifestyle.

Below are just three simple things that we usually tend to forget which are actually gradually deteriorating our healthy and even appearance.

1. The world is awful. There's no reason to smile.

People seldom notice old clothes if you wear a big smile. ~Lee Mildon

It's free! Now give out one.

We all have a habit of worrying over things which may not have control of. WebMD discussed the many things that you can do to deteriorate your health through excessive worrying:

Chronic worrying and emotional stress can trigger a host of health problems. The problem occurs when fight or flight is triggered daily by excessive worrying and anxiety. The fight or flight response causes the body’s sympathetic nervous system to release stress hormones such as cortisol. These hormones can boost blood sugar levels and triglycerides (blood fats) that can be used by the body for fuel. The hormones also cause physical reactions such as:

1.difficulty swallowing

2. dizziness

3. dry mouth

4. fast heartbeat

5. fatigue

6. headaches

7. inability to concentrate

8. irritability

9. muscle aches

10. muscle tension

11. nausea

12. nervous energy

13. rapid breathing

15. shortness of breath

16. sweating

17. trembling and twitching

When the excessive fuel in the blood isn’t used for physical activities, the chronic anxiety and outpouring of stress hormones can have serious physical consequences, including:

1. suppression of the immune system

2. digestive disorders

3. muscle tension

4. short-term memory loss

5. premature coronary artery disease

6. heart attack

In severe cases when excessive worrying and high anxiety go untreated, they can lead to depression and even suicidal thoughts.

Whooa, look at that! You don't just easily get ugly, you could actually easily get unhealthy just by worrying. Therefore, instead of focusing on the things which you lack, why not focus on that which you have and be grateful for it instead?

2. There's so much on my plate. I don't have to exercise. Work already is one!

My mom is such a hard working person. Hands down! I hear such statement from her all the time. And with that, I really mean all the time. Every time she takes on the tasks she needs to accomplish for the day, she would always say that she doesn't need any more work by exercising, or should I say, working out.

A lot of people share the same belief as my mom. It's so easy to believe to working our butt all day is cool enough to keep us healthy but heck no! Keeping yourself healthy requires a healthy lifestyle and working might just be one of them. However, it's not everything! We all need to allot a considerable amount of time to have proper exercise and stretch those muscles to get them even stronger, those bones even healthier and our skin even more younger looking.

3. Yoga and Vacation are just for the Richie richs!

For fast acting relief, try slowing down. Take some time to rest and you'll see, you'll get more done than when you were panicking.

Taking a day off just to have a vacation? Couldn't afford such luxury! I don't even have enough break time to buy or do the things I needed, why should I spare some time for yoga or meditation?

Just as everything and even everyone needs recharging, we all need to set aside some time to meditate and revitalize our skin. While yoga's primary emphasis is upon general well-being, it has been proven to help promote healthier and younger looking skin. Swami Sivananda explained that, "The body becomes strong and healthy. Too much fat is reduced. There is luster in the face. Eyes sparkle like diamonds. The practitioner becomes very handsome. Voice becomes sweet and melodious".

If you think yoga and taking some time to have a vacation and get some rest is a luxury you can't afford, just think about the roughly $14 billion dollars people have to spend on cosmetic procedures. The choice is yours.

Now if you ask me how do I keep my skin healthy and beautiful. It's fairly simple. I do completely the opposite of those three ways on how to lose your healthy skin and strive to keep myself beautiful not only in the outside, but most importantly, the inside.

You're beautiful! Keep smiling as joy is the best makeup.

Fashion and Passion Online Beauty Giveaway Contest

Fashion and Passion Online is currently hosting a couple of contests which has lots of prizes awaiting the lucky winner. There's a Birthday & Beauty Giveaway and Fashion and Passion Beauty Giveaway so be sure to drop by their site for more details and join now!

Unleash that Writer in You - Let ThePenCompany Keep You Company

2011-02-18T09:22:00.000-08:00

And by the way, everything in life is writable about if you have the outgoing guts to do it, and the imagination to improvise. The worst enemy to creativity is self-doubt. ~Sylvia Plath

Some people say that writers are just dreamers. Some naysayers even say that you can't think of paying the rent with every drop of ink coming from your pen because having writing as a career would just leave you starving. Well, I daresay that these people don't really understand the power that strengthens every poet, every journalist, every blogger, every writer. Once a person is filled with so much passion about what he does, nothing can stop him because after all, it's the decision to follow his heart that keeps him going. Despite all the mockery and ridicules, it is still that still small voice inside that would prevail.

The same is true with many famous writers, novelists, journalists and poets. From their burning desire and passion to move mountains through their pens, they silenced the roaring pessimism from other people and chose to listen to that passionate little voice inside telling them to pursue that which their heart whispers.

If you're an aspiring writer wanting to unleash that power in you, don't be afraid to dare to. The greatest rewards in life go to the risk takers. If you would have to leave a full-time job just to follow your passion, do it. Don't let the issue of security bother you because when all else fails, it's still the fulfillment of doing something which you always wanted to that matters.

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Following your dream is just as important as choosing the right companions that will help you get to your destination. Getting the right company actually ensures getting you to your desired destination. During my journey to online writing, I have always write things by hand before I get the chance to publish them online. when writing using pen and paper, it has always helped me to have the right writing instruments and some Moleskin notebooks such as these from ThePenCompany as they're made with premium quality of materials that will help ensure efficient quality of writing and allow me to make the most of my writing journey.

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Tilteed Tees is Giving Away Some of their Cool Art T-Shirts and an iPod Touch!

2011-02-16T01:53:00.000-08:00

Hey everyone! It's Jonha *waves*

That's me in my ProBlogger tee -- so happy.

Eh? Well not exactly...

What would make me happy then?

Well I've heard that Tilteed Tees is giving away some of their fun Art T-Shirts!

Whooa! Now that would be something that would definitely make me happy, (Well, if I'd get lucky ;-)

Titleed Tees allows its community members and followers to submit their most creative and amazing t-shirt design and you might just be the lucky one who'd win $500! Right, it's just simple and they're cool at that.

While all the designs may be creative and fun to wear, this Foxes design by Greg Abbott is my favorite!

It truly catches one's attention;

(especially when you're into orange colors - Blogger + Foxes = Pure Awesomeness)

So what would truly make me happy?

It would be sweet if I could have some of the artistic t-shirts from Tilteed tees and if I get too lucky, perhaps that shiny iPod Touch from Apple could find it's way to me too!

C'mon Tilteed Tees, you're awesome, I'm awesome - it would be sweet

if you could give me this love of my life.....

Er, I mean the Foxes tee ;-)

Despite their wild behaviors,

below are just some of the fun facts about foxes, and I want a FOX tee because they're:

Fast

Outrageous

Xceptional

- Although it is a member of the dog family, some of fox habits are very cat like as well.

- Foxes live 2 to 3 years, and up to 10 years or even longer in captivity.

- Like cats, foxes often play with their catch before they kill it.

- Foxes have abundant ectoparasites (mites, fleas, ticks and lice).

- Foxes can hold up to one kilogram of flesh in their stomachs.

- Foxes can hear a watch ticking 40 yards away.

- The pupils of a fox's eyes are almond-shaped rather than round.

Also,

below are just some of the fun facts about Tilteed Tees.

Let's count the ways of their awesomeness!

*They're the only ongoing, open t-shirt design contest where winning artists are paid $500.

*A new t-shirt is printed every 72 hours!

*They launched BIG time! $5000 in prizes for the launch? That’s $5000 in total for the two winning designs ($3500 for the grand prize winning design, $1500 for the runner up)

They're on Twitter. What are you waiting for? You just gotta love following them!

They're on Facebook, you know you Like them!

Buy Tees thinks they're awesome! - I concur ;-)

If You Could Blog Forever, What Would You Blog For?

2011-02-15T05:04:00.000-08:00

No matter what your reasons for blogging may be, just keep blogging!

What are You Blogging for?

All blogger would agree that we all have our own share of ups and downs in blogging and continually strive to overcome all these struggles and obstacles that come our way.

In my post entitled The Struggles and Obstacles in Blogging, co-bloggers like Roel Abatayao of Bloggista, Tim Samaniego of EveryPesoCounts, Star Villanueva (CNB - Crush ng mga Bloggers) and our contest host CoolBuster (even shared a few insights) all agreed that even successful bloggers are not exempted from these obstacles. However, the most successful ones are those that rise triumphant against all these hindrances that try to baffle them.

If you run into a wall, don't turn around and give up.

Figure out how to climb it, go through it, or work around it. - Michael Jordan

When I started blogging in 2008, I never really thought I would stick around. I thought it's just one of those acts that I would eventually abandon (just like the same thought I had when I tried to save in my thrift bank and eventually prove to myself that I could continually save and actually saved enough to pay spot down for our rent-to-own house!)

Just like saving, blogging is a step-by-step process. You don't just get rich overnight. You can't just publish an article and expect thousands of people visiting your site in a heartbeat. No matter what your reasons may be - whether you're doing it to make money online, to network with similar-minded individuals or just to share your experiences, it is very important that you keep doing what you've started.

Getting started with blogging may be easy for some while others may struggle in it. For me, getting started was never as difficult as keep on going. Everyday, I would remind myself of the reasons why I started it in the first place and the things that I am enjoying for having the courage to do it.

Below are just some of the reasons why I started blogging, why I still blog and will always be.

“Success is the sum of small efforts, repeated day in and day out.” – Robert Collier

Blogging for Money

When I started blogging in 2008 with my Everything Famous or celebrity news blog, I wanted to be like Perez Hilton. (alright alright easy folks, I know I couldn't be as famous as he is but at least in the Philippines, right?!). He's included in the Top 40 under 40 web millionaires (with a net worth of $3 million - as of 2007) and he's hanging out with the Hollywood stars.

Now that I've gotten to my senses and realized that I couldn't fully be as successful as he is but you get the idea. There are lots of bloggers who are making money from their blogs such as Carl Ocab, Abe Olandres, Fitz Villafuerte and many other famous bloggers who are reaping the rewards of their hard work and established their expertise in their specific niches. Here's a complete list of people who are making money online utilizing their blogs as a vehicle to success.

Be sure to check our the comment section as my all-time favorite blogger, Penelope Trunk, went out of her way and left some really nice comment! *wink *wink

Blogging for Networking

Now that brings us to the next reason why me and other bloggers may be blogging and always will -- Connection.

I always believe that my network is my net worth. Thus, I take pride of the connection that I have established both on Twitter and Facebook. I am not awesome, the people in my network are. Through blogging, I was able to meet with similar-minded individuals who have helped me learn more about social media, PR, advertising, internet marketing, tinkering with my blog and lots of other things.

When I joined the World's Coolest Intern competition by the Standard Chartered Bank, one of the 3 reasons that I gave why they should hire me was because I have the best connection both online and offline.

True enough.

A few days before the end of the contest, we were given the task to have a blogger to write about us and why we deserve to win. I may not have won the title of the World's Coolest Intern but I was given an honorable mention for Blogtasticness, with incredible 7 blogs supported me within 24 hours!!!

Standard Chartered Bank Breeze Team proclaiming my honorable mention as Blogtastic awesome 7 blogs supported me within 24 hours - no, I didn't pay these bloggers any penny! haha

I never really thought that such a great contest could put together the best minds in the social media to collaborate. Most of the supports that I got came to me as a surprise. Some of my most admired local and international bloggers told the Standard Chartered Breeze team by dedicating fun blog posts as to why I deserve the title.

Being a personal finance fanatic, I was really stoked when TheSkinnyOn dedicated a blog post for me showing their support for me on the said contest.

Then our very own Anton Diaz of OurAwesomePlanet included me 8 Most Admired Upcoming Filipina Bloggers. Manuel Viloria of Viloria.net gave a cool meaning to my name and previous clients gave their support and prove that "you shall know them by their past". It was truly a heartwarming time of my blogging life as I got to be noticed by the people that I look up to. Check out these nice and sweet words from the people that I admire and happen to have supported me during the campaign.

Trust me, I could go on the whole night giving you links to the posts that truly uplifted me during the contest days but this is not what this post is all about.

It's more about why newbies should get started blogging in order for them to explore the many benefits and wonderful experiences one could gain from sharing their thoughts to the world.

“A blog is merely a tool that lets you do anything from change the world to share your shopping list.” – Author Unknown

Now when all is said and done and you've setup a blog, does everything end there? No. It's just the start of a wonderful journey.

“A blog is in many ways a continuing conversation.” – Andrew Sullivan

Game Plan for 2011?

For 2011, I have started yet another blog.

Yet it's not just another blog.

It contains not just my interest in saving in investing but it's more about sharing a part of me to the world with the hopes of inspiring people and how to face each day with an optimism and how to gather stones to success. I didn't put any advertising or monetizing codes in the said blog because I want to keep a place wherein creativity and optimism meets reality.

In less than 3 months of its establishment, I keep getting emails from people who happen to find value in what I share. For me, it's more important than my goal of gaining money online or fame a couple of years ago when I wanted to be as famous as Perez Hilton.

If I could blog forever, my goal for 2011 and beyond, is to simply be remembered for the positive outlook I have despite how gloomy the road maybe sometimes.

And I hope to make the world a much better place, not just exist.

The purpose of life is a life of purpose. - Robert Byrne

This is my official entry to CoolBuster.net's ExtraBLOGanza Contest.

What about you?
What do you blog for?
What are your goals for 2011 and what will you do to reach them?

CoolBuster.net wants to hear your blogging journey through its Coolbuster.net ExtraBLOGanza Contest. The world wants to hear from you. Be sure to check out their contest details here or the photo below.

To show your support for my entry, feel free to "Like" the post and leave a comment below ;-)

Do check do check out these interesting sponsors that made this contest possible:

NursingUniforms.net - offers a wide range of branded nursing scrubs and lab coats

Straw Hat Luffy - Anime, Games, Sports and Gizmos

Make Money Online Philippines | Winziph

Web Design Philippines

Scolex Portal

PCSO Lotto Results

NLE Results - Nursing board exam results

LET Results - Teachers' board exam results

Talent Search News

Computer Basics Tutorial

Getting Rid of Upset Stomach

2011-02-10T01:58:00.000-08:00

Getting Rid of Upset Stomach...

By Upsetting Your Throat!

I was in grade school when it was my first time to board a plane.

It was an international flight so I had to keep myself ready with all my English phrases in my pocket.

I was so excited with our trip that I failed to eat proper breakfast.

Or was it because I ate too much the night before.

Whichever was the case, one thing is certain: my stomach is upset!

So I've heard that flight stewardess are not only pretty ladies in uniform but they're pretty helpful too.

So I asked one of those lovely ladies,

"Miss, my stomach is upset, could you please give me some medicine?"

The stewardess returned with a couple of 5-peso-coin-like tablets.

I didn't know what they're called then but later did I know they're

Alka Seltzer

Imagine swallowing such a huge tablet. Well stop imagining, because I did!

Ignoring the size of the tablets, I began to take one tablet at one hand

and glass of water on the other.

Like most medicines, I started to swallow the odd-sized tablet.

I thought it was so big for a stomach medicine but I took it anyway.

The first gulp was difficult and I almost cursed the manufacturer for creating such a huge medicine.

Lo, and behold!

It was effective.

The nice and friendly flight stewardess came by and asked me how was I feeling,

I replied with,

"Oh, your medicine is very good...

but very hard to swallow!" ;-D

Ako na! Ako na nga!!! haha (Babala: Huwag tularan at higit lahat, parang awa nyo na, wag nyong ipaglakat). Kung meron kang nais ibahagi tungkol sa iyong sarili, magsadya lamang sa blog ni Jayvee at baka manalo ka ng Galaxy Tab!

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Palengke Disaster: Not Just Once but Twice!

2011-02-10T01:24:00.000-08:00

Makulay ang Buhay kung ang Ulam ay Makukulay

....na Isda

Hindi naman kami mayaman.

Pero all my life hindi pa talaga ako nakakapunta ng palengke.

(Weeh?! Hindi nga?!)

Hindi pa talaga! I mean, hindi na talaga!

Masisisi mo ba naman ako eh dalawang trahedya sa buhay ko at ng aking pamilya ang nangyayari sa tuwing tumapak manlang ako ng palengke?!

Noong grade four ako, inutusan ako ng aking tiya na bumili ng ulam.

Malawak ang palengke sa aming munting bayan ng Kalibo kung kaya't napagpasyahan kong maglibot muna at saka na maghanap ng mauulam namin tutal marami naman dyang sariwang isda.

Naglibot libot.

Nakaka-aliw naman ang mga nagsisigawang mga tindera na may dalang tila mga wand para hindi madapuan ng langaw ang kanilang mga paninda.

Ang sarap palang maglibot ng palengke.

Hanggang sa mag-aalas dose na. Kelangan ng bumili ng tunay na isinadya.

Ang daming isda.

Tila lahat ay masasarap - mayroong bangus, hasa hasa, bisogo, atbp.

Lahat mukhang masasarap.

Pero, ayunnnn!

Kay sarap tingnan, masarap siguro tong iluto! hehe

Laking takot ng aking tiya ng makita nya ang kaygagandang isdang tulad nito.

Mula sa aking kinatatayuan ay kitang kita ko ang makukulay na isda.

May isang balde ng makukulay na mga isda. Parang mga nagsilundayang mga aquarium fishes.

Nakakatuwa naman nilang tingnan. Masarap din siguro silang lutuin?

Tumawad ng kaunti kay ale at iniuwi na sa bahay ang isang kilo mahigit na makukulay na isda.

Buong sigla at buong pagmamalaki kong iniuwi ang aking biniling isda.

Tiyak masarap itong prituhin o di kaya'y lagyan ng Magic Sarap! (Weeh! Wala pang ganun noon)

Nang makita ng aking tiya ang binili at tila pinasukluban ng langit ang kanyang mukha.

Hindi ko maintindihan. Kay gaganda ng isda, bakit ayaw nya?!

Dali daling nagpabili na lamang ng sardinas ang aking tiya at ipinaliwanag sa akin

na yung mga binili kong isda ay mga aquarium fishes nga! (patay nga lang)

at hindi pwedeng makain.

Ako na nga! Ako na ang reyna ng sablay!

Isang Linggong Adidas Diet

At talaga namang pinagkatiwalaan akong ulit na mamalengke. Ayoko na nga eh! Pero dahil sa mabait akong bata, inatasan naman akong bumili ng isang linggo naming kunsumo. Pang one week meal kumbaga.

This time hindi na ako masyadong namangha sa palengke.

Pero takot parin ako.

At laking takot ko nung hindi ko makita ang hili hilerang mga nagtitinda ng mga manok.

May sa kung anong celebration noon at tila lahat ng mga nagtitinda ay on leave.

Wait, si Aling Rosing andun sa bandang dulo.

Nagtitinda din sya ng manok! At ako'y pumunta sa dakong iyon ng palengke.

Laking tuwa ko ng makita ko sya.

Pero laking gulat ko naman ng ang itinitinda nyang puro mga adidas lang ng manok.

Yung tipong, explain ko pa? Eto oh...

Hello there! (You wag your nails when you say "hello there")

Hello there! For a week!

image by BurntLumpia

Nang dahil sa takot ko na wala akong mabili, binili ko ng isang kilong adidas ang aking pamilya.

Masaya at panatag ang loob kong umuwi bitbit ang isang kilong hindi magkamayaw na adidas.

Matutuwa nito si mama kasi nakabili ako
kahit sarado na halos lahat ng mga tindera nga manok.

On leave silang lahat except kay Aling Rosa.

Pag-uwi ng bahay ay sinalubong ako ng aking ina...

Hanggang sa pati ang kanyang mga kilay ay nagkasalubong ng makita ang aking dala...

Isang linggo naming pinagsaluhan ang Adidas.

Ang dami nga naming naisip na variety - may adobo, sinigang, prito, atbp.

Actually ako lang dapat ang kakain, pero naawa na rin sa akin ang aking pamilya...kaya..

Ako na! Ako na nga! Ako na ang Reyna ng lahat ng mamimiling mali!

Ikaw? Anong funny story mo? Halika, share mo dito!

Ang Exercise ni Gina: Squeeze Your Butt

2011-02-10T00:45:00.000-08:00

Pilyang bata si Gina.

Naturingan pa namang gobernador ng kanilang classroom, ngunit hindi parin matawaran ang kakulitan at kaiklian ng kanyang attention span.

Kung ang gold fish ay may attention span na 3 seconds, si Gina naman, kapag ka hindi Ingles ang instructions ay hindi nito pinag-tutuunan ng pansin. Marahil ay sa hindi nya pa ito naiintidihan noon, o talagang ayaw nya lang intindihin.

Isang araw sa kanilang pagsusulit sa PE, inatasan sila ng kanilang guro na ipikit ang kanilang mga mata para sa isang natatanging exercise para sa katatagan ng ibabang bahagi ng kanilang katawan tulad ng tuhod, binti, atbp.

Lahat ay napapikit na samantalang si Gina ay napilitan na ring pumikit. Nagsimula ng magbigay ng instructions ang titser.

Titser: Okay class, try to reach your hands on your toes.

Lahat ay nagsipagsunod sa iniutos ng guro. Halos magkanda bali bali na ang mga buto ng mga bata sa pag-abot ng kanilang mga daliri sa kanilang hinlalaki sa paa. Sumunod ay nagbend, nagstretch, nag split ng bahagya na lahat ay nakapikit ang mata upang makapagfocus.

Si Gina naman ay sa para wala lang na inabot ng mga bahagi ng katawan na itinuturan ng guro.

Okay naman sana ang exercise. Actually boring nga, hanggang sa sinabi ng titser.

Titser: Alright class, now, squeeze your butt.

May ganun?!
Turan ni Gina sa kanyang sarili.
Bagama't nalilito ay pinisil ni Gina ang ibabang bahagi ng katawan kagaya ng instructions ng guro. Sabi pa ng guro, "Tighter". At si Gina naman ay nag-aalangang hinigpitan ang pakakahawak at pagakakapisil.
Tighter ika nga ng guro.

Pagkatapos ng klase, tila may kahulugan ang pagkakangisi ng kanyang guro. Doon na lamang na realize ni Gina na mali pala ang kanyang pagkakasqueeze ng butt kasi she took it literally.

Pagkatanga- tanga talaga ni Gina. Hayyz.

Oh sya! Oo na! Ako na!

Ako na nga ang pinataka-tangang Pilipinang si ~~Gina~~ Jonha.

May kwento ka bang hindi mo pa nailalahad sa mundo? Kwentong kahit bayaran ka pa ng isang milyon ay hinding hindi mo isisiwalak dahil baka mawalan ka na nga fes na ipanghaharap sa mga kakila mo? Hindi nga?! Pano kung bigyan ka ni Jayvee ng Galaxy Tab para lang ikwento ito? Halika, share mo rin dito...

Get a Chance to Win a Trip to Palawan!

2011-02-08T02:08:00.000-08:00

How would you like to spend your upcoming summer vacation? Last year, me and my highschool friends went to Boracay for a few days and on weekends, me and my friends would frequently go to Damires Hills Resort. These are very wonderful and astonishing places here in the Philippines. What lack I yet?

One word: Palawan.

~~I've been to Georgia, to California.~~

I've been to paradise, but I've been to you - Palawan.

I've heard so many good things about the island of Palawan. It's not only about the beauty of the place but also the sumptuous foods that the place could offer. If you're like me who badly wants to go to Palawan and wish to enjoy the things and activities you only see on the television or get to read in the blogs but don't have all the means to, don't worry! You can always enter the Free Contest for a chance to WIN A FREE PALAWAN PACKAGE only from: WOW Philippines Travel Agency, Inc.

For details, please read on below:

DANGKALAN PALAWAN BEACH RESORT

Enter our Free Contest for a chance to WIN A FREE PALAWAN PACKAGE
Only from: WOW Philippines Travel Agency, Inc.

WOW Philippines Travel Agency, Inc. we are one of the most respected and trusted names in Philippines Travel, arranging tours, trips and family vacations to any of the 7,107 Philippines Islands.

We have been specializing in all inclusive Philippines Packages since 2005 to top destinations like,Boracay, Palawan, Bohol, Cebu, Puerto Galera, Baguio, Tagaytay, and Manila as-well-as other island destinations.

WOW Philippines Travel Agency, Inc. is the 1st travel agency in the Philippines to giveaway FREE VACATION PACKAGES to BORACAY ISLAND and PALAWAN ISLAND the two number #1 Philippines Tourist Destination.

We want everyone to have a chance to WIN a FREE PALAWAN TRIP with all expenses paid to Palawan.

To enter our FREE contest, just CREATE a BLOG and paste this information in the RED BOX into your BLOG, it is really just that easy, to be sure to also tell all of your friends in Facebook and Twitter.

Enter our Free Boracay Vacation Package Giveaway at – www.palawan4less.com

3 Days / 2 Nights - Dangkalan Palawan Beach Resort

Enjoy this beachfront resort in Palawan located in Puerto Princesa City Palawan, and set just a few meters from the beach, where you will enjoy beautiful Palawan Sunrises.

The Dangkalan Palawan Beach Resort consists of beautiful native cottages that sit just at the edge of the beach. The rooms have all modern amenities like, Cable TV, Hot Showers, and Private Toilet.

Palawan Flights - Manila to Puerto Princesa (RT)

Yes! Your Free Palawan Trip includes your flights to Palawan from Manila Philippines. This flight is for (2) two adult persons. The Palawan Flight takes about 45 to 50 minutes and will land at the Puerto Princesa Palawan Airport.

Palawan Island Transfers – Puerto Princesa Airport (RT)

WOW Philippines Travel Agency, Inc. and its partners will provide you with complete roundtrip transfers, door-to-door.

Daily Breakfast – Buffet Style

Enjoy a freshly prepared breakfast served to you at your beachfront cottage as you enjoy watching the beautiful early morning sunrise.

Puerto Princesa Palawan Underground River Tour

Enjoy one of the most awesome tours in Palawan, take a 45 minute tour through the world’s longest and most exciting underground river, located right here in Palawan. Once you have toured the river, and then vote to have it listed as one of the NEW 7 Wonders of the World.

Puerto Princesa Palawan Honda Bay Tour & Snorkeling

Enjoy a full day of Island hopping around the different Palawan Islands like, SNAK ISLAND, PANDAN ISLAND, BAT ISLAND and many others. Spend the day on Pandan Island snorkeling and exploring the island.

If Being Honest Don't Win, I Don't Know What Will

2011-02-04T09:27:00.000-08:00

An Open Letter to the Admin of Snatch That

Dear Admin,

Namaste! Everyday I would "labor" in having my Facebook chat open (which I do not usually do until the contest) and encourage everyone in my network (read between the lines, sometimes I would harass them to! haha) that are online to support me in this contest because merely posting it on my Wall, my Twitter, and my blog and sending them general message through a group I'm the Admin (yeah that's where Steven O'dell and Carla McCoy got the memo about the contest - isn't that fun? Asking people to "support" you but eventually getting competition? That's collaboration at it's best, I guess). However, all of these didn't work as much as I hoped.

Probability of Getting Facebook Likes is 4 out of 10

Everyday, aside from sending messages to all those in my network, I would chat with all of my friends and ask them to "Like" my entry

Let's see, I have over 1,000 (1,109 to be exact and 49 pending friend requests) authentic, unique and genuine friends on Facebook (yeah they're the ones who are always active - not only during contest times and they're not even aware of these contests until I shared with them). Most of them are web and technology heavyweights such as Penelope Trunk, Pete Cashmore, Dan Schawbel and many others.

My network is my net worth. I have the best people in my network such as Lisa Bettany, Pete Cashmore, Ding Neng and many others.

I have around 1111 friends on Facebook - traders, social media experts, Community Manager, Coaches and other internet heavy weights

After joining the contest, it's funny that I'm getting friend requests from weird sounding names. Perhaps one of the weird accounts from one of the other entrants? I'm sorry but I have over 49 other friend requests that I have to think over and if your plan is to sneak out, you will not succeed. Be on the look out for the name of those accounts, they may not be real ones.

The probability of getting these over 1000 friends to do some effort and "Like" the page + "Like" my entry is probably around 4 out of 10. Some would just "Like" the page (and couldn't figure out how to "Like" the entry) while others would well - join and compete against me. Well, why not, it's what makes the contest even more fun and lively. Sharing, as Mark Zuckerberg puts it, is fun.

Now, though I don't really mind the rampant exchanging of votes (trust me, at first I thought it's just the usual "like my entry and I will like yours too" kind of thing but I was appalled with what I learned (some people are actually exchanging bazillion of votes!) I think it's just amazing how one could get 200, 300 votes in just a single day attracting accounts that are only active during the contests when they have very little friends in their network. Too clever, aren't they? Too social? My guess is just as good as yours.

I really don't mind at all because if it's their way of winning, that's fine.

Matthew 16:26 What good will it be for a man if he gains the whole world, yet forfeits his soul? Or what can a man give in exchange for his soul?

I don't really wanna mess with their style. I just couldn't trade my dignity with an iPad. The world may corrupt such a thing but I wouldn't let such a thing corrupt me and my integrity.

Why join the contest?

I joined the contest because;

(1) I really badly definitely want the prize (Well who wouldn't?!)

(2) I have the best people on my network. My network is my net worth.

(3) I believe that discount/deals buying sites bring blessings to the people and community, as Andrew Mason of Groupon started it.

Even if I'm way too behind the others (despite all my efforts, you know why they still rule), I still believe that the truth, honesty and integrity will still prevail. From every "Like" that the page and I receive, I would feel comforted with the fact that I've played a good fight and though 100 may be relatively small when compared to others, these are passionate, supportive and active members of Facebook - the people I know I could count on.

I really hope that you could scrub off the fake likes from the genuine ones so everybody could have a fair chance. I support you and your campaign and I hope that the person who wins it, surely, truly, deserves it.

2 Timothy 4:7-8I have fought a good fight, I have finished my course, I have kept the faith.

The Little Things Every Newbie Should Know About the Stock Market

2011-01-30T19:40:00.000-08:00

So You Want to Learn and Earn from the Stock Market?

What is the stock market?

The stock market is simply a place wherein you can purchase shares of publicly traded companies. In plainer terms, you could get to own a part or portion of the company that you're buying shares from. It's like taking a slice out of the whole pizza. Let's say you're a Jollibee fanatic and would like to have a franchise of the said company. However, you still can't afford the minimum amount of requirement for every investors which is around Php 6-10 Million and store size requirement of 80 sqm, then you can still own a few shares of JFC (symbol used in the PSe) at Php 75.95 per share (as of writing, you see it varies per trading day).

I'd like to take investing in the stock market that way. While others are trading and play around with the purpose of "buying on low and selling on high" or short term investing.

Let's see, investors usually play for the long term while traders play for short term. Let's not touch the trading for now as there are myriad of resources which I would be sharing at the latter part of this post. Let's focus on how you could get started in the stock market.

Why invest in the stock market?

Ask yourself and DO invest in the stock market if;

You would like your money to work for you. Instead of the other way around.
You would like to boost our local economy (You would then be included in the 3% of the total population in our country that invests in the stock market - elite much?! haha)
You'd like to increase your financial literacy.

Do NOT invest if;

You would like to stay an employee all your life and depend on your company's retirement plan.
You would like to believe in the myths about the stock market forever.
You would like to stay financially illiterate forever.

Okay, the latter sounds rude but based on experience, I've learned to make wiser and much more informed financial decisions since I started joining the stock market investing bandwagon. I've become more interested in what's going on in our country and have a deeper understanding of what truly makes a country progress. For sure there are lots of things which I would yet to learn and discover but I'm glad that I'm on my way towards it. Now, before I'd get to sound overtly patriotic, let's get into the million-dollar-question, "How?"

So you've finally decided that;

You'd want money to work for you
You'd want to have your own retirement plan
You'd want to get rich through the stock market

Congratulations! You've just made the single most important decision that would eventually bless your life in bazillion of ways. But wait, before you'd get too excited, remember that the stock market is NOT a money-generating machine that you'd just switch on and tada! Lots of money being released. Remember that there are actual operating companies behind those ticker symbols you're hitting "Buy" or "Sell" so it's important that you "do your homework".

What are these homeworks, exactly?

Determine as to how much money you're willing to invest. It doesn't have to be millions right away. What's important is that you do. And you do it now! (Well, again, once you're ready).
Choose a broker - whether it be online or traditional. Decide which one. Online brokers are those that let you start with a minimum capital (which also means less or to no supervision). If you're going to start with Php5,000, Php10,000 or Php25,000, it's best to monitor your fund on your own so you could get to learn from your trading activities.

Below is a list of certified online brokers in the Philippines along with their websites so you can check them out and compare.

AB Capital Securities, Inc.

www.abcapitalonline.com

Accord Capital Equities Corporation

www.philstocks.ph

BPI Securities Corporation

www.bpitrade.com

CitiSecurities, Inc.

www.citiseconline.com

F. Yap Securities, Inc.

www.2tradeasia.com

First Metro Securities Brokerage Corporation

www.firstmetrosec.com.ph

RCBC Securities, Inc.

www.rcbcsec.com

Wealth Securities Inc.

www.wealthsec.net

Traditional brokers, on the other hand, are the ones who can advise you on which company to buy shares from. They're the people who "do the math" for a living so you can focus on what you do best and they too, do the dirty works for you. With that, I mean they spare you from the dreadful works of spending the nights with a cup of coffee at one hand and charts on the other. In short, they would have to deal with the complexity of the "homework" for you.

I started with an online broker, which is Citiseconline. So far, they're doing a great job in maintaining smooth and swift trading transactions. Also, they have probably the greatest and most responsive customer service people (Folks don't worry, I am not in any way affiliated or paid to do this, #justsayin).

3. Determine your risk appetite. Are you risk-averse or risk taker? Also, you need to know whether you're investing for long term or short term.

4. Choose a company that you want to invest in. Learn as much information about it, monitor their earnings, download reports from the Philippine Stock Exchange website, monitor the price pattern so you'll know when is the best time to buy or sell . Oh yes, it helps to learn Technical Analysis and Fundamental Analysis (don't fret if you're yet unfamiliar with these terms as I will explain and provide resources later).

5. Be on the look out for the latest relevant news and issues about the company that you would like to invest in. The more good news and rumors, the better.

Alright, so you think you're good to go? Again, you need to determine the following in order for you to get started in the stock market.

Risk appetite - risk averse of risk taker
Amount of money you're willing to invest
Type of broker - online or traditional
Company (ies) to invest in
Investment Time - long term or short term

Now if you're determined and have decided on your choices and wish to get updates from time to time, below is a list of forums, blogs that Philippine Stock Market investors and traders flock in. Most of them are on Facebook too for easier access and interaction.

Forums

1. Market Mirror - Probably the most comprehensive forum of traders and investors. Big time investors like Jerry Angping has previously posted "tips" and news on the said forum. There are also seasoned technical analysts that share their views and forecasts on specific stocks.

2. Philippine Stock Market Forum - Let's face it, Market Mirror can be a little intimidating for newbies as you get to read well thought and well researched posts from seasoned traders and analysts but that doesn't mean you can't have a place wherein you could just ask, share your frustration without worrying the "big guys" might laugh at you (well I don't think they really do that though), then this forum is for you. Personally, I am more comfortable posting questions and comments on here.

3. Phil. Stock Market Discussions, Comments and Forecast - Perhaps the most newbie friendly forum on Facebook that allows newbies to hear and be heard. Maintained by Remigio Ocampo, this community is a great place to ask specific stocks and get insightful reviews and commentaries from co-traders and investors. Remy would also provide his fearless forecasts and lo and behold, the next trading day or week, you'll see significant movement (upward if you wanna be particular) in the said issue or stock.

4. LaidTrades - Well maintained and updated by seasoned traders and analysts Ron Acoba and Aldrich Sevilla, the community contains well researched updates and reviews on specific stocks not only in the Philippine Stock Market but also about forex and commodities. Oh man, it's like your one-stop investing updates shop!

5. Traders Pizza - Probably one of the pioneering, if not the oldest, forums that cater to traders. And with that I really mean traders. It's where tsupiteros would share and sometimes fight over their stock tips. Nonetheless, it's a great place for rumors and get a good laugh ;-)

6. Finance Manila - Network for traders to get the latest news and their forum is a great place to peak at the hottest tips too.

I'm sorry folks, I don't really lurk around the last two forums as much I spend time on the others so I can't really give much review on them but I've heard much great and not so great reviews from those I know so I guess it's for you to see it yourself.

Blogs to Read and Learn About the Stock Market

1. Miko Sayo the Tsupitero - tsupitero is a Filipino slang for someone who swing traders or invests in short term. I love his style of updating his readers as he would mention particular stocks he like and why. Miko is a Certified Financial Technician (CFTe) and Technical Analyst.

2. Absolute Traders - We Take the Gambling out of Trading. That's absolute trading. Fearless. The company provides various services that educates their students with the necessary skills and techniques to be successful in the financial markets – whether it be stocks, options, commodities, or currencies. I guess Ron Acoba was once an Absolute Traders student too.

3. Traders Delight - It is a community of stock market investors, traders, hobbyists, enthusiasts, self-learners and just about anyone that are interested in the glorious stock market. Anything goes baby, fearless forecasts, updates, rumors, etc.

4. Thoughts of a Novice Trader - Maintained by Christina Hunt along with her colleagues, their random musing about specific stocks are fun to read. I like just how laid back their updates are. You sure would have a fun time reading their daily updates.

5. High Heeled Traders - While the stock market may be mainly dominated by men, they can't have all the fun, can they? Ms. Charmel Delos Reyes has a fun and fabulous approach to trading by likening it to shopping. She has this contagious enthusiasm towards trading and has actually dedicated several posts to help inspire more newbies, or newbabes as she call it. No silly charts, no jargon-rich posts. Just plain awesomeness to help newbies and women in particular to appreciate trading and get started. I would really recommend her Women are Natural Traders and Girl Power Trading sections. Be amazed by her passion for both trading and fashion by getting to know her more through this interview.

6. Cliff the Investor - The only blog with no About Me as there's no need for one. He's determined to keep his identity cloaked. From being the Pinoy Swing Trader, Cliff has turned into an investor (for long term to be exact). Among all the blogs that I mentioned, he is the only person that is brave enough to show his portfolio and support his "claims" with well, his portfolio. The daily quotes on every post are pretty much spot on with regards to every point he's like to stress. Just like Gus Cusio's blog, Cliff's blog is every trader's tambayan. Not exactly as a haven but he's probably the most controversial investor-blogger ever. Having had the chance to talk with him on Facebook chat, beyond those portfolio and posts is a person that knows technical analysis and could truly support his "claims", it's just that sometimes people would easily get irritated with someone who seems to "know-it-all" or as his critics would put it, "he seems smarter than he actually is". Despite all that, I think Cliff is indeed a good investor, if not a good trader.

7. PSe Buzz - Direct links to the latest news and press releases of various companies listed in the PSe. Also, sometimes they would post news directly from the "grapevine" so go ahead and check them out!

8. Rich Money Habit - Allan focuses on the habits and attitude that drives one into investing. He chronicles his journey and habits that he has acquired through investing in various types of investment. He's pretty approachable as he was one of the first stock market investor friends I had. I had a notion that people who are into investing are aloof and won't share their wealth of knowledge but Allan proved me wrong. People who are into investing are actually eager to teach the newbies as they understand the path they've been through.

9. Stock Market Investing by D’ Intelligent Investor, Zigfred Diaz, is the most comprehensive, insightful and fully dedicated blog and the great place for newbies to start your investing journey with. The posts are well detailed and easy to understand especially for those who have no prior knowledge with the terms and methodologies in investing.

10. Gus Cosio says so - Maintained by a seasoned investor and analyst, his blog is probably every investor and traders tambayan as aside from those mentioned forums on Facebook, his blog is a place where lots of people are leaving comments, asking questions about specific stocks and he is kind enough give his insightful thought on them. A well respected person in his trade, his blog is a must read.

What about you, what particular blogs have helped you in your journey to investing in the stock market? Feel free to share the links below so other newbies could learn from them too :)

So you want to learn and earn in the stock market? You bet! Caveat! (oh that means, as baby James puts it, "Mommy, be careful) ;-)

If you enjoyed this post then your donation would be appreciated!

3 Ways to Win an iPad! - A List of Contests

2011-01-28T20:20:00.000-08:00

Turn Your "Like" into an iPad!

Are you still longing to get your hands laid on that iPad that almost everyone is craving about but avoiding shedding some dollars from your pockets like plague? Well you're not alone buddy! The good thing is, there are lots of companies that are willing to give out iPads as they're currently embracing the power of social media to promote awareness for their brands and one of the most trending technique to do just that is to give out freebies, schwags or run contests which would require engagement or some level of content from their targeted audience and develop some sort of "following".

Below is a compilation of existing contests (as of writing - mainly in the Philippines) that would give you a chance to win an iPad and turn your Facebook "Like" into an iPad (well, if you win!)

Win an iPad Contests

1. Pakyaw - they're giving away Wii, Macbooks, iPads, and the LCD TV each day until the 31st of January. To enter, you would need to sign up to their website to become eligible to their electronic raffle. Right, you have 2 more days to do just that so sign up now!

2. Deals Tent PH - By just "Liking" their Facebook page, you would get a chance to win an 16 gb iPad (with WiFi). Also, they have this "Experience Iloilo" contest wherein you can post your favorite place within the Iloilo City and get a chance to win P5,000. I've already submitted mine so it would mean the world to me if you'd "Like" this photo No "Like" button? You would need to "Like" their page first!

3. Bloggers.com - Win an Apple iPad in January, 2011 by following @BloggersDotCom on Twitter and Retweet this to win! http://goo.gl/uN3IK #iPad #Giveaway

There you go, those are just some of the legit and easy ways to turn your "Likes" or "Follow" into an iPad (well, if you're lucky ;-)

If there are other contests that you'd like to share with us, feel free to leave your responses below in the comment section or tweet me on Twitter! Cheers!

Philippine Prudential Life Insurance Company Cancellation Letter Example

2011-01-28T19:18:00.000-08:00

If you would like to cancel your Philippine Prudential Life Insurance policy and looking for a cancellation letter sample, below is a copy of the letter which I sent them to have my policy cancelled and successfully have my full refund in less than a month.

Philippine Prudential Life Insurance Cancellation Letter Sample

Date

Cancellation Department

Philippine Prudential Life

Re: Policy Number: PPL(your policy number here) Cancellation

I am sending you this written notice to request cancellation of my insurance policy effective this day, (insert date). I would appreciate you sending me a written confirmation within 30 days that the cancellation has been put into effect.

Please refund my initial payment for my policy plan and cease charging my bank account for payment of monthly premiums.

I wish to discontinue the policy as I am no longer interested with the benefits and coverage thereof.

Thank you for your prompt attention in regards to this matter.

Sincerely,

Name (and sign)

(Seriously, that's what I told them because that's exactly what I felt after reading the various threads of the non-insurance of having yourself insured with them! haha)

Other possible reason which others are actually stating is:

I could no longer afford to pay the monthly premiums.

There you go! May you have your insurance policy cancelled and get your money refunded successfully!

If you enjoyed this post then your donation would be appreciated!

Let's Switch to the New and Improved Yahoo Mail

2011-01-19T03:21:00.000-08:00

Make the Most of Your Yahoo Mail Experience of the New Yahoo Mail!

I've had bazillion of email accounts since high school when me and my friends learned how to use the internet. Yeah, it is during those times when we would hurry and get to the nearest internet station and delight at mIRC, Yahoo Chat and eventually Friendster.

Signing up for most social networking sites require an email address so I created a funny username because my friend told me to never give out my real identity. When you're in the APAC (Asia Pacific), you don't hear about Google, it's all about Yahoo! So, my first and surviving email account with Yahoo, that is.

Now, if your email interface still looks like the one below, we both have been hiding under the cave as Yahoo has got a new and improved Yahoo! Mail

An older version of Yahoo! Mail

The New and Improved Yahoo! Mail

Introducing, the new Yahoo Mail -Beta Version

During their roll-out of the new Yahoo! Mail on October 26th, 2010, David McDowell, Sr. Director of Product Management of Yahoo! Mail identified the 6 exciting improvements in the new interface of the new Yahoo! Mail.

7 Reasons Why You Should Switch to the New Yahoo! Mail

1. Speed thrills

We all things to be fast! Yahoo! did just that with their new and enhanced version of the Yahoo! Mail.

2. Be gone, spammer!

The new Yahoo! Mail has an improved spam filter that automatically detects and blocks the unwanted and totally annoying spams! Your inbox won't be eating those again. Not ever. haha

3. Yahoo! Mail everywhere

Yahoo! Mail could now be accessed on your iPhone, iPad or an Android device. Hey, I guess we don't need to rush in those internet cafes we used to frequently go to.

4. Beyond email

Social Media accounts such as Twitter and Facebook could now be accessed through your Yahoo! Mail. Oh well, they helped me get rid of those spam mails but here's another distraction ;-)

5. Photos and videos

Fancy browsing rich slideshows from Flickr or Picasa links and watch video clips from Flickr and YouTube? No need to wander, you can have them right from your email. Whooa! Talking about slacking ;-)

6. Find stuff faster

What I like about Gmail is that they have an awesome indexer or email finder, glad that my first love has that too!

7. We’re just getting started

We could expect more from them so jump in the new bandwagon, switch to the new Yahoo! Mail now. ;-) These new changes makes me even more excited to check my email every 5 seconds! haha

If you enjoyed this post then your donation would be appreciated!

Everything Finance

You Should Be Investing in the Philippines!

Reasons Why You Should Invest in the Philippines

How to Open a CitisecOnline Account

How to Open an Account with CitsecOnline

Steps on How to Open an Account with CitisecOnline:

1. Choose a trading/investing account

2. Download and fill up the Personal Account or Corporate Account Forms

What are the Requirements?

3. Prepare two (2) copies of any valid ID and one (1) latest copy of your utility bill, bank statement or credit card statement.

4. Submit the documents to CitisecOnline

How to Fund the Account?

5. Fund the Account

6. Login to your CitisecOnline Account

7. Have fun investing and trading!

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DANGKALAN PALAWAN BEACH RESORT

Enter our Free Contest for a chance to WIN A FREE PALAWAN PACKAGE Only from: WOW Philippines Travel Agency, Inc.

3 Days / 2 Nights - Dangkalan Palawan Beach Resort

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Let's Switch to the New and Improved Yahoo Mail

Enter our Free Contest for a chance to WIN A FREE PALAWAN PACKAGE
Only from: WOW Philippines Travel Agency, Inc.