Movenpick Heritage Hotel Review ~ Lovely Sentosa stay

Lubog ka ba sa utang? Don't worry there is still hope!

The answer to your worries is simple.

The first step towards becoming truly rich is KNOWLEDGE and an UNDERSTANDING of MONEY and HOW IT WORKS.

HOW DO WE BECOME FINANCIALLY FREE?

Chinkee Tan a well-known Wealth and Life Coach and an influential person and speaker in the field of personal finance, in his desire to help many in need brings to us, all of his life's knowledge in financial education through the:

CHINK+ Do-It-Yourself MONEY KIT.

It is a simple, applicable and attainable tool to help you learn how to SAVE, BUDGET, INVEST and STAY DEBT FREE. 

This kit will give a step-by-step instruction to keep track of your finances.

Everything you need to know about MONEY is creatively and intentionally combined in this kit.

THE MONEY KIT contains:

1. Chink+ Accordion Folder
2. Chink+ Expenditures Envelopes
3. Chink+ Savings Envelopes
4. Chink+ Positive Buying Envelopes
5. Chink+ Investment Envelopes
6. Chink+ DEBT Repayment Plan Worksheets
7. Chink+ Financial Obligations Worksheets
8. Chink+ Pen
9. Chinkee Tan's Certified Best Seller book "Debt Do Us Part"
10. Budget Software

Order your Money Kit now and get the following books for FREE (Yes LIBRE!!!).

AND THERE IS MORE, with every confirmed order of this amazing Money Kit, you also get a special Chink+ t-shirt FREE.

 This Money Kit will help you get out of debt and start saving for your family.

Learn more about Chinkee Tan's books, training programs and Money Kit, by signing up below.

===================================================

If you want to receive the give-away being offered on this blog, just fill up this form to reserve (DO THIS FIRST). You will receive an opt-in confirmation email to ensure you are not being added without your consent. Once you confirm, you will get an email that has the links to purchase Chinkee Tan's books and training programs.

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Products
Books
Do it Yourself Money Kit
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Learn more about Chinkee Tan in
twitter: https://twitter.com/chinkeetan;
facebook: https://www.facebook.com/pages/CHINKEE-TAN 

Level Up Your Personal Finance

Do you want to Learn How to Create, Handle, Grow and Protect your Wealth?

 

Level up your Personal Finances and Join Chinkee Tan's upcoming event ~

 

"Ka-Chink! How to Retire Before the Age of 50"

(June 20, 2015, Saturday from 1-6pm
at the Metro Tent, Metro Walk Pasig)

 

Be Financially Able at age 50!

Book your seat now at slashed prices.
 

 And get the following for free.

Register now and get as a free gift, up to three (3) name poems or picture with effects that you can you send to greet your Facebook friends. 

(Just Remember to provide me provide me with the name name and pictures through chat box; You will receive the poems or picture with effects upon verification of payment)

If you want to receive the give-away being offered on this blog, just fill up this form to reserve (DO THIS FIRST). You will receive an opt-in confirmation email to ensure you are not being added without your consent. Once you confirm, you will get an email that has the links to purchase Chinkee Tan's books and training programs.

Name

Email

Contact number

Mailing address

Products
Books
Do it Yourself Money Kit
Kachink event

----------------------------------------------------------------------
DISCLOSURE:  I am an accredited online lead generator for Chinkee Tan Books/Training Programs
----------------------------------------------------------------------
Chinkee Tan is a well-known Wealth and Life Coach. He is an influential person and speaker in the field of personal finance and is an author of numerous best-selling books on financial wellness.  He is  also the host of the award winning show "Chink Positive", on Radyo 5 92.3 News FM and simulcast on Aksyon TV.

Learn more about Chinkee Tan in
twitter: https://twitter.com/chinkeetan;
facebook: https://www.facebook.com/pages/CHINKEE-TAN 

How to be Debt Free and Financially Free

Do you often worry about your future and your children's?

Well, this is a legitimate fear and this fear heightens everyday as you age.

Like you, I want to be financially able even after retirement. "Ayaw kong maging pabigat sa aking mga anak o mga kamag-anak. I definitely would not want to live on charities".


The answer to this fear, is simple and the first step towards becoming truly rich is KNOWLEDGE and an UNDERSTANDING of MONEY and HOW IT WORKS.

The step towards financial freedom starts with the CHINK+ Do-It-Yourself MONEY KIT.

It is a simple, applicable and attainable tool to help you learn how to SAVE, BUDGET, INVEST and STAY DEBT FREE. 
This kit will give a step-by-step instruction to keep track of your finances. Everything you need to know about MONEY is creatively and intentionally combined in this kit.

Do your family a favor and start preparing for their future and your tomorrow by SIGNING UP NOW!

Upon sign up you will also get as gift, up to three (3) name poems or picture with effects that you can you send to greet your Facebook friends. 

*To receive the free poem or picture with effects, please provide me the name and pictures through chat box. You will receive the poems or picture with effects upon verification of payment.

If you want to receive the give-away being offered on this blog, just fill up this form to reserve (DO THIS FIRST). You will receive an opt-in confirmation email to ensure you are not being added without your consent. Once you confirm, you will get an email that has the links to purchase Chinkee Tan's books and training programs.

Name

Email

Contact number

Mailing address

Products
Books
Do it Yourself Money Kit
Kachink event

----------------------------------------------------------------------DISCLOSURE:  I am an accredited online lead generator for Chinkee Tan Books/Training Programs
---------------------------------------------------------------------- 

Chinkee Tan is a well-known Wealth and Life Coach. He is an influential person and speaker in the field of personal finance and is an author of numerous best-selling books on financial wellness.  He is  also the host of the award winning show "Chink Positive", on Radyo 5 92.3 News FM and simulcast on Aksyon TV.

Learn more about Chinkee Tan in
twitter: https://twitter.com/chinkeetan;
facebook: https://www.facebook.com/pages/CHINKEE-TAN 

Simply Shoes ~ The One-Stop Family Shoe Shop

 

SIMPLY SHOES OPENS AT SM CENTER ANGONO

SM started out with shoes. And today, it continues to expand its footwear legacy by reaching out to communities with the Simply Shoes outlets.  Simply Shoes, an affiliate of SM Retail, just opened its fourth branch at SM Center Angono.

 

Simply Shoes is a one-stop shoe store offering a wide assortment of shoes selections for women, men and children.

 

 

 Simply Shoes carries an assortment of brands, both for everyday and special occasions including SM’s iconic Parisian brand, which offers trendy yet affordable footwear for the ladies. Parisian Comfy show you how to combine comfort and style.  My shoe of choice ~ really comfty (and affordable too)! 

(photo grab from Parisian's Facebook page)

             

It also carries Milanos, trendy shoes for men; as well as sporty Easy Soft, Duralite, Treads, Islander, Beachwalk, Toeberries, Sling and Kicks for the active and casual lifestyle.

(photo grab from Simply Shoe's Facebook page)

 

 

Kids, on the other hand, will make stylish steps with Sugar Kids, Tough Kids, Sofia the First, Spongebob, Barbie, Ollie, Fisher Price and Avengers. 
 

 

(photo grab from Simply Shoe's Facebook page)

             

Now, some good news for the budget conscious mommies:

Simply Shoes SM Center Angono has an Opening Promo. 

 

Use your SM Advantage, Prestige or BDO Rewards cardholders get 10x bonus points on all purchases until February 15, 2015. 

Visit Simply Shoes branches located at Walter Mart Tanauan, Walter Mart Makati, Walter Mart Sta. Maria and  SM Center Angono.

Exploreum... where SCIENCE becomes FUN

Worthwhile family activities is become more and more difficult to find.  

 

I was excited to hear that the SM through its lifestyle and entertainment arm, has recently undertaken a revamp of the SM Science Center into the Exploreum.

 

The Exploreum houses eight (8) main galleries, covering vast range of topics and interests.

 

 

Connect showcases various communication equipment. 

It has an exhibit of old computer, television, cellular phone, which were amusing conversational pieces to tell your kids how communication evolved as we know it today.

 

 

 

Cyberville is a hands-on-gallery featuring various inventions.  My kids grew a liking to the solar powered car that actually moves and took turns running it. 

 

Human Adventure provides visitors an in-depth view of the human body.

 

 

The Living Earth shows the origin of the planet.

 

 

Natural World showcases flora and fauna.

 

 

Zoom Gallery explores automobiles and planes at work.

 

 

 

Space Camp, meanwhile shows visitors a peep of life in space. 

 

 

The SM Planetarium is a 180 degrees full dome theater, showing digital videos and films. 

Aside from these galleries, Exploreum also has a practice science area called Discovery Science and a scientific play space/lab called Science Park. 

My honest verdict:  

The Exploreum is actually  a cheaper alternative to the Mind Museum at P350 per pax (inclusive of Gallery, plus one Planetarium show). We enjoyed our tour and my boys had fun learning . 

However, although Exploreum has all the key elements of a Science Museum, I don't think it has enough to fully engage and wow guests.

It tries hard to impress by packing it's space with too much themes, that they were unable to fully explore each one profoundly nor were they able to provide smooth transition from one gallery to another.

In the end a trip to the Exploreum is not a waste of time and money, however, for a more engaging science adventure, I suggest you spend some more and head to the Mind Museum. 

The Exploreum is located at the GF Southside Entertainment Mall, SM Mall of Asia Pasay City. 

You may click here for the rates <<<<

Porta Verde (Gate to Greenery)

 

 

 I snatched an overnight stay for me and my family at Porta Verde Resort in Cavinti Laguna 

through a group buying site. 

 

I thought it would be a perfect-unwind-weekend from the hustles of work; and I was correct!

 
I was surprised at how fast we reached our destination via Lumban-Caliraya-Cavinti Road.  In just less than 2 hours smooth travel from Taytay Rizal we were warmly welcomed by Porta Verde's friendly resort staff.
 
Road condition was perfect (newly paved road, with ongoing widening of the highway), less the toll fees and traffic, if we opted for SLEX. 
 
We would definitely be regular visitors of Laguna and Quezon, from this time on!
 
============================
 
PORTA VERDE is truly breath-taking.  
 
We are surrounded by Mother Nature at its finest, the resort fronts Lake Lumot (a man-made lake), with the Sierra Madre Mountain ranges as our backdrop.  The cloudless starry night accompanied by a symphony of insects completed the "back to nature" ambiance.
 
We felt like camping with the luxury of electricity, soft beds and air-conditioning.  However, there are no televisions and wifi signal was quite low (although Smart gets in sometimes).  This is perfect if you want real bonding time with your family.  
 
The resort has 5 suites and 3 cabanas.  We stayed at the Catmon Terrazo Suites.  It has a sala, a working kitchen and 2 bedrooms-the master's bedroom has a queen size bed, the other bedroom has 2 single beds, in the sala are 2 huge day bed (I would say it could fit 8 comfortably).  There are 2 bathrooms- 1 inside the master's bedroom and another one outside.  The Catmon Terrazo has a spacious veranda with a commanding view of the entire resort.
 
Our package included free boat tour of Lake Lumot. 
 
The boys were so excited they jumped on board the motorized banca and did not bother putting on life vests.  I was shocked to learn after that the lake goes up to 100ft deep and abounds with huge (50kilos heavy) bass fishes (that info should have been given earlier - what if the boat capsizes?...man...). 
 
 
 

 

The lake was calm and the wind refreshing as Lumot Lake is a freshwater lake. 

 
 
Porta has huge grounds for the kids to roam around and learn a bit or two about getting dirty and chasing bugs (my boys had loads of laugh).
 

 

My boys having fun!!!

 
 
 


My boys working out their appetite!


 

The resort pool was cold, but that did not stop my boys from getting wet.

 


  

 

Striking a pose  (or should say taking a break before climbing the stairs)!



The Catmon Terrazo Suite!



The view from the Catmon veranda was just lovely!  I can spend hours just admiring the view.





 

 

 

 
VERDICT:  Price is quite steep and would wait for another deal to come, before returning.  Our package was a real steal at 50% off, paying full, however would be a different story.
  
The resort has no restaurant, so you would have to bring everything in to cook your meals.  This could be a bother to others who would rather just enjoy and relax. 
 
As for our accommodations (I cannot say anything about the other suites/cabanas since I never got to see them).  I am sure the Catmon Suite had been splendid in its heyday.  The structure has aged and traces of which already showing on its interiors, walls, ceiling and furniture. The accommodations looked better in pictures.
 
The view, however, is undeniably perfect and enough for one to decide to comeback for more!
 

PORTA VERDE CAVINTI  is located Lumban-Caliraya-Cavinti Rd, Cavinti Laguna. 
You may contact Telephone: 632 807-8414 or 8405 or Mobile phone: +63 922 813 3950 / +63 907 556 4214  for inquiries and bookings.
 
Please see also related article of our relaxing Lake Lumot boat ride.

 

The Good Wife

In the beginning, God made them male and female, the man shall leave his father and mother and be joined to his wife, the two shall become one flesh; so then they are no longer two, but one flesh. Therefore what God has joined together, let no man separate.

RESPECT

EPHESIANS 5:33 . . . let the wife see that she respects and
reverences her husband -- that she notices him, regards him, honors him, prefers
him, venerates and esteems him; and that she defers to him, praises him, and
loves and admires him exceedingly.

Do not belittle, criticize, put down, and nag your husband.

REVERENCE

1 TIMOTHY 3:11 Likewise their wives must be reverent, not slanderers, temperate, faithful in all things.

Encourage your husband and build them up with their words

INNER BEAUTY

1 TIMOTHY 2:9-10 ...in like manner also, that the women adorn themselves
in modest apparel, with propriety and moderation, not with braided hair or gold
or pearls or costly clothing, but, which is proper for women professing
godliness, with good works.

While not wrong to try and look your best, remember the most important is
your "inner beauty," the fruit of the spirit and the glow of God's presence.

DO NOT DIVORCE

1 CORINTHIANS 7:39 A wife is bound by law as long as her husband
lives; but if her husband dies, she is at liberty to be married to whom she
wishes, only in the Lord.

Divorce is no real solution. It will only substitute a new set of miseries
for the ones left behind. God's best is for you to overcome the problems with
God's help.

DO NOT DEPRIVE

1 CORINTHIANS 7:2-5 Nevertheless, because of sexual immorality, let
each man have his own wife, and let each woman have her own husband. Let
the husband render to his wife the affection due her, and likewise also the wife
to her husband. The wife does not have authority over her own body, but
the husband does. And likewise the husband does not have authority over his own
body, but the wife does. Do not deprive one another except with consent
for a time, that you may give yourselves to fasting and prayer; and come
together again so that Satan does not tempt you because of your lack of
self-control.

Withholding physical intimacy from your husband as a way of punishment or
revenge is wrong. God desires for you to be a giver as His representative -- and
overcome evil with good.

BE SUBMISSIVE

COLOSSIANS 3:18 Wives, submit to your own husbands, as is fitting in
the Lord.

To submit does not mean to be a doormat. Or, to obey any order no matter what
it is. Submitting is really the opposite of rebelling. Submission is an attitude of
respect -- not necessarily outward obedience.



Taken from the webservant@believers.org

Addicted to Cards

Save for some, where reason for card debt is an emergency (family beinghospitalized, etc.) or lost source of income...
For most of us the culprit for card indebtedness is the big "S". Let's face it shopping is addicting. And credit cards come in handy if you don't have cash with you. Unfortunately for some its too late in the card swiping game before they get to realize that they are actually spending more than what they can afford to pay after. Thus you end paying only the minimum amount and the outstanding balance is charged a whopping interest of 3% (that is 36% annualy), plus so many other charges – many of which you've only heard of now.

Here's some tip on card usage:
(1) Know your budget and DO NOT spend outside your budget.
(2) Maintain only two cards (the 2nd card is an emergency card). Onecard is enough. Cards are temptations, if its in your wallet, you are more likely than not to use it (even if you don't need to). Trust me it is difficult to balance multiple cards in your wallet.
(3) Mind your due dates and pay on time. Card centers have grace periods of 3-5 days, but if your payment gets posted after the grace periodyou are charged an additional for late payment.(4) Get the most out of your card – charge your utilities to your cardand earn rewards.
(5) Do not do – CASH ADVANCE. For cash advances you are charged with a cash advance fee right away and it is still part of your outstanding (meaning part pa din into ng papatawan ng interest, so double whammy).
(6) If possible pay in full. Isipin palagi na sayang ang interest (If your outstanding is P10,000, for an interest of 3% that is P300 already. So if you pay P400, effectively you have only paid for the interest).
(7) Learn to read the fine prints and the asterisk "*". There is always an added condition for freebies.

For those who have read this posting way too late... you can try asking your card issuer for an account restructure. In restructuring the interest may be lowered or waived, other charges may also be waived. Tell the card issuer, you have so many cards and you fear you might not be able to settle everything thats you why you want to pay them, but can only manage so and so amount... some issuers will be willing to waive the other charges (not the principal though).

I have not heard of anyone who was put in prison for not paying his loan,except if you issue a check that bounces that would be estafa. Otherwise, you would just be asked to issue a promissory letter, "promising to pay". If you do not have a means to pay they can't force you out of your home nor confiscate your belongings (unless the issuer is able to prove that themoney used to buy your stuffs were charged from your card).

Ensure to pay of your dues. Credit card companies has an association thatshares bad records and the bad record also gets reported to the Bankers Association of the Philippines . The record stays there forever, unlessyou settle fully the total amount due, our name is still there but with notation that you have settled already. This would affect your credit rating and it would be difficult to get a loan from a Bank (not sure if SSS/GSIS also gets access to these reports) when you need one. Bad records would may also harm your employability. Good companies before hiring people checks on their candidates credit rating/record. Moreover, if you have plans of migrating/working abroad, your bad credit rating may also surface.

In summary, use your card wisely!

Pains of House Building ~ Tips on House Contruction

HOUSE CONSTRUCTION is such a big word. Not to mention EXPENSIVE.

We have been planning since like ages and with two kids (ages 1 and 5) in tow, it better be soon.

We lived in a 4BR bungalow type house owned by my parents, who migrated abroad and left us the house. It is an old house. I was barely six (6) years old when we moved there. I recall that we were one of the first houses in the
village and that the road was not even paved, when we first moved in.

You can just imagine the toll left on an old house by Millenio and Ondoy!

We just had to rebuild!

(this old house)

Finally on January 3, 2010, with our amassed strength, we
got a bank loan (in addition to our savings) and started building our "dream house".

SOME TIPS ON HOUSE CONSTRUCTION (FROM PERSONAL EXPERIENCE):

(1) Be sure you have the house titles in order, especially if you have plans of applying for a mortgage.

(2) Depending on the total cost of your dream home, you need to have at least P100,000 to P200,000 to ensure continued construction. Release of loan for construction is staggered and the bank will not release until your contractor is able to deliver the needed percentage of completion.

(3) Even if you are getting a loan from a bank, you would still be shelling out the cost of MRI, CARI, Fire Insurance, documentary stamps and registration. For a P3M loan this would cost you an additional P50K. This does not include the building permit and other permits you need settled with city hall.

(4) Do on line research. It would give you an idea on whats efficient, comfortable and nice to look at.

(5) Try applying Feng Shui to your designs. I heard that the value of the house appreciates with Fung Shui.

(6) If you want to get rid yourself of the trouble... less ofcourse the additional expense, hire yourself a contractor! This what we did. Hire somebody you know! Otherwise get referrals.

(7) Even with a trusted contractor, be involved in selecting the flooring, roofing and the house colors (interior and exterior).

(8) You need additional permits to move in. Yup, "gastos ulit".

(9) Finally, if you think you are done with the "gastos". Think again! With a beautiful house... you would need fine sets of furnitures and appliances.


Some pictures from our new home :)

(The Masters' Bedroom)

(The Masters' Bathroom)

(Terrace)

(Dining and kitchen area)

 

Miracle first hand

Our son, Raj Jibril, then five months old was admitted at the Philippine Heart Center - Pediatric ICU last Feb 7. He was to remain there for 1 1/2 months. He has contracted a highly toxic bacteria called “staph” and was diagnosed for Staph Pneumonia.

His lung condition was so bad; he was close to blue when we first got him to the PHC. We were told that this bacteria is an aggressive type, abroad, patients afflicted with this bacteria die in less than 72 hours.

Doctors were not expecting our baby to make it. His breathing was 80% ventilator dependent, his fever round the clock, he also has bleeding in his stomach and his lungs were 90% filled with water and pus.

His next three weeks at the PHC was a nightmare. He was intubated (tube into his mouth straight to his lungs), dual tube inserted into his right chest for draining off the liquid, air leaks and pus in his lungs. He has needle marks in his arms, wrists and legs. He also has two cut downs one in each of his inner thighs. Seeing him like that was a very painful sight.

His condition worsened on week three. He has not responded to any of the numerous (4th generation antibiotics) medicines administered to him. His body is no longer fighting off the bacteria in his body. The bacteria have been in there for so long his body is now being tricked into thinking it is already part of his system.

Although pus and liquid coming from his lungs has lessened, air leaks continues to increase and will not stop.

Doctors explain that if the bubbles coming out of our baby’s lungs persist they would have to operate as liquid and puss will again set in, if the leaks are not patched or removed.

Doctors did a CT Scan on our son, only to confirm what his numerous x-rays and CBC checks indicate, his lungs are severely damaged. His left lungs 90% non-functioning and his right showing indications of 50% damage as well.

At that time, operating - opening up our baby to see the extent of the damage and salvage whatever can be saved from his lungs was the best option. We agreed to an operation, how could we not? Our son has five specialist attending to him - two pediatric surgeons, two pediatric pulmonologist and a pediatric cardiologist.

He was scheduled for operation on Feb 20 (Friday), he looks so fragile and so helpless - we wonder how will he make it out of that OR. Operating might further weaken him and give the bacteria an ideal condition to take full control.




Doctors have given us very little hope. We were told to pray and expect the worst.

We decided, we are not losing hope and will put our trust in God.

We have sought and begged for prayers from friends and families. People were praying for Jibril 24-7 around the world from all religious denominations - Muslims, born again Christians, El Shaddai, were all seeking God’s intervention for Jibril’s recovery.
Everything was ready day of the operation, noon time, his schedule. The OR was set, blood for transfusion, in case of heavy blood lost available. We then saw his doctors walk by towards the ICU - to do a final run down and discussion the operation plan. We anxiously wait to be called, but the call only came at 330pm.



God has given us a miracle in Jibril. His lead surgeon, noticed that there was a sudden decrease in bubbling (from (3/4 of a 5-litter bottle to a less than a 1/8), the drop, was substantial to call off the operation. Doctors said, they are waiting off three more days and if Jibril’s condition continues to improve, an operation is no longed needed. It has been a month since and Jibril’s health has been improving.

We were finally released from the hospital on March 23.

Doctors were not able to explain what happened. It took them 3 1/2 hours to deliberate and decide to call off the operation. Our son is healing slowly and is now back in his old self.

God saved our son, He has allowed him to live and become a living testament of His glory.

Thank you for your incessant prayers. Your prayers and faith has given our son a second chance in life.