H2 Batch 2011
Clockwise from Top Left - Ra, Cid, Jeff, Lloyd, Bern,
Joy, Quenie, Malta and Jonalyn
CFAD partners
L-R: Kit, Cha, Nikka
2009-2010 Feasibility Studies
Description
An Elite Beverage Bar in the Making, catering to the clients needs and wants. Will cover from House Parties to Corporate Events and other different Celebrations. C3 provides innovative beverage concoctions infusing coffee, alcohol, fruit juice, jelly, wine, soda and tea.
We guarantee into bringing "A FLAVOR EXPERIENCE" to our patrons with our cocktails, shooters, mocktails and coffee concoctions together with fun and excitement.
"Ang
mga babae, madaldal/mabunganga." Oo, wala talagang tigil ang bibig nila sa
pag-rachada sa kakasalita. Lalo na sa tuwing pinapaalala nila sayo na oras na
para inumin ang iyong gamot, kapag nagtatanung sila kung kumain ka na ba, kapag
ginising ka nila sa umaga upang hindi ma-late at sa mga pagkakataon na
nag-aalala sila sayo at tinatanung kung nasaan ka na at bakit hindi ka pa umuuwi. Walang duda,
madaldal nga. Hayaan mo na, balang araw, siguro magbabago din sila. Tipong
maririnig mo lang ee "Oo", "Hinde" at "Pwede".
Para kayong naglalaro ng Pinoy Henyo. Romantic siguro ng buhay nyo nun.
"Ang mga babae, mashadong sentimental." Sinabi mo pa. Tandang tanda
nga nila ang petsa at lugar kung saan kayo unang nag-date, isinulat niya din sa
kanyang diary kung ano ang mga ginawa ninyo, nakatago at ingat na ingat siya sa
mga larawan nyong dalawa, daig pa niya ang Smithsonian sa pag-aalaga ng mga
iniregalo mo at kahit kailan hindi niya nalilimutan ang mga importanteng
okasyon tulad ng anniversary, monthsary, weeksary o birthday mo. Nakaka-inis
ba? Ok lang yan, malay mo next time, hindi na siya ganun. Tipong i-aasa na lang
niya sa Facebook ang iyong kaarawan. Tapos tamang post na lang sa wall mo ng
"hapi bday".
"Ang mga babae, emosyonal." They cry about movies. They get teary
with a romantic novel. They blush and gasp upon seeing a picture of a cute dog
or a cuddly baby. Bakit ba ganun sila? Buti na lang tayo hindi. Kinikimkim lang
naten lahat ng emosyon sa loob hanggang sa sumabog at atakihin sa puso o di
naman kaya ee magpapakalasing tapos magwawala at maghahamon ng wrestling. Di ba
mas logical un? Madalas pa mag-imagine na ikakasal kayo sa simbahan. Lagi nag
a-iloveyou, imissyou, take care at mwah mwah sa text. Asar ka na ba at
nacocornyhan? Ayos lang yan. Darating din siguro ang time na titigil siya at
isesend ang mga un sa iba.
Women are probably the greatest gift to men, from God, beside beer and sizzling
sisig. At para sken, women deserve all advantages, lalo na sa pag-ibig. Sana
lahat ng babae ay maging masaya ang lovelife. Sana, walang babaeng
heart-broken, kasi, tayong mga lalake, we're meant to pursue them and it's okay
if we fail from time to time. It's the way nature intended it. Gaya ng isang
leon sa usa o pag-ikot ng earth sa paligid ng araw. Mas okay kung tayo na lang
ung masasaktan. Ee sila? Isipin mo, nagkakaroon sila ng "dalaw" at
nababaliw kada buwan, nabubuntis at nahihirapan ng 9 months, at pinaka matindi
sa lahat, kailangan pa nilang panatilihing makinis at walang buhok ang kanilang
mga kili-kili. Ano ba namang pasayahin sila at gawing "scar-free" ang
kanilang buhay pag-ibig.
And if you are with a great gal, do everything to make her happy. Don't ever
break her heart. Wag kang magpa-uto sa mga statistics, na nagsasabing, mas marami
ang babae sa lalake, kaya okay lang mang-chiks. Ano pa bang gusto mo? Hindi pa
ba sapat na minahal ka niya sa kabila ng iyong pagiging engot at kawalan ng
Romantic DNA sa katawan? Malaki man ang populasyon nila sa mundo, napaka-liit
ng tsansang makakilala ka ulet ng katulad niya na magtya-tyaga sayo.
Tandaan, pansamantala ka mang maakit ng naglalakihang pulang high-heels o
maaarteng makintab na sandals, mas masarap pa ring umuwe sa nag-iisang tsinelas
ng buhay mo.
-maaring nabasa niyo na ito sa mga social media sites
"Reality" is not absolute but rather subject to constant change. Think about inventors, explorers, and agents of social change who have achieved greatness. Some might simply say that certain people are successful because they are lucky to be in the right place at the right time. Maybe so, but if they hadn't had their eyes open for the opportunity, then it wouldn't have mattered if they were in the right place.
Second, accept inspiration from wherever it comes; even your opponents.
The wisest leaders constantly study their competition. In war, politics, and business we constantly see examples of this research and reconnaissance. Too many times though a certain study, many concentrate on finding a weakness to exploit. If you want to a be a leader of positive change don't fall victim to this trend. Instead, if you find a weakness, make sure to avoid that pitfall yourself. If you find the strength then find a way to strengthen your own qualities to match.
Third, learn something new and promote in new ways every day.
This means you must continually seek to expand your horizons, internally and externally. Feed your mind with new lessons and knowledge, but constantly expand your social horizons as well. Seek out and meet new people and immerse yourself in new social situations. You never know when these new experiences will help you in your leadership role.
Fourth, search for and find answers in subtle clues.
Look beneath the surface and constantly question. This is an extension of the third step in that you are seeking new knowledge. But this also means that you will need to step off the traditional paths of knowledge. Don't simply read books in the literary canon or the bestsellers list. Take seminars rather than classes as there is more room for questioning and debate. Seek out the unconventional thinkers, teachers, and writers.
Fifth, improvise if no existing solutions are available.
No excuses. Necessity is the mother of invention. How do you know it won't work if you've never tried it before? Remember, not all approaches need to come from the front. Look at your problem from all sides and systematically attempt different solutions in various combinations.
Six, make at least one person you care about happy every day.
If you make it a point to be thoughtful and caring for one person every day then soon this thoughtful, caring behavior will become a habit and that habit will spread to the others around you. Making someone else happy also feeds your own personal happiness. Just imagine how much better the world would be if we all did a little bit more to spread happiness.
Seven, offer help, even if there's no apparent advantage to you.
This means more than writing a check. It means giving of your time and energy and yourself. Sometimes it will mean helping someone you don't know and sometimes it can be a very personal action.
Finally, never let negativity be your last word on the subject.
If your final words are negative than no matter how hopeful you may be about the potential of a project or action the lasting impression you give to others is one of negativity. Accentuate the positive and you are more likely to see a positive outcome.
Would you want your family to become homeless if you die unexpectedly? Of course not! You can get a life insurance plan as a form of mortgage protection. Proceeds of your insurance plan can be used to pay off your mortgage on your home.
Life Insurance As Bankruptcy Protection
Did you know that in case of bankruptcy, your creditors cannot run after the cash value and death benefits of your life insurance policy? The cash value and death benefits from your life are exempt from creditors, thereby offering you a protection against bankruptcy.
Life Insurance As Income Replacement
Your family may have planned for a future based on two incomes - your income and your spouse's income. But what if one of you passes away unexpectedly? Life insurance can be used to replace lost income, so that your family can maintain the same standard of living as they were used to.
Life Insurance For Final Expenses
Funeral expenses, burial costs, and medical bills can be a huge burden to your family if you or your spouse pass away unexpectedly. Life insurance can be used to plan for these final expenses, so that your family will not have the additional burden of scratching for money in a time of grief.
Life Insurance For College Funding
Life insurance can help fund the college education of your children. If you die, the death benefit of your life insurance policy may be invested and potentially grow to the needed amount by the time your children reach college age. Feel better knowing that you helped prepare for their future - even if you are not around to see it.
Life Insurance For Estate Planning
Life insurance can secure your hard-earned estate for your heirs by providing tax free cash which can be utilized to pay estate taxes. You don't want the BIR to eat up your hard-earned assets, do you?
Aimed at providing more investment opportunities for Filipinos, British life insurer Pru Life UK has launched a product that will allow consumers to piggyback on offshore funds from Asian economies.
Antonio G. De Rosas, Pru Life UK president and chief executive said the insurer has introduced the PruLink Asian Local Bond Fund, which is structured as a feeder fund that invests in International Opportunities Fund — Asian Local Bond. Full article at PruLife Launches New Investment Product
ASIA is now the single biggest contributor to the operating profits of London-based insurer Prudential Plc, its Philippine unit, Pru Life UK, said on Wednesday.
In Manila, Pru Life President and Chief Executive Officer Antonio de Rosas said the group’s Asian life insurance operations accounted for 34 percent of global profits and equaled 34 percent in 2011 from only 12 percent in 2007.
The Insurance Commission seems to be exclusively concerned about insurance companies meeting its capital requirements. We believe that safety of clients’ money is one of those contexts where size does not matter—at least not too much! What is more important is that the insurance company has respect for the client and employs people who are fit to handle clients’ money. (By Neil Honeyman, An Independent View) Click on the link below to read more.
MANILA, Philippines - Pru Life UK Philippines said its premium income has grown by an average 78 percent over the past three years, capped by the impressive 33.33-percent growth in 2011.
Total premiums last year grew to P10.4 billion from P7.8 billion in 2010 to P10.4 billion. In 2009, premium income was recorded at P3.5 billion.
The huge leap in premium growth catapulted Pru Life UK from sixth largest insurer in 2009 to fourth in 2010. To read the full article click the link "Pru Life marks impressive 33% growth in premiums"
What are these and How do they affect our Financial Capacity?
Is there a Recommendable System for us to Manage our Finances? Part I
Income - Savings = Expenses
How much income do you earn?
What are the things so budget for your expenses? How big or how little goes into your savings?
Income is defined as an economic wealth that is generated in exchange for an individual's performance of agreed upon activities or through investing capital. Income is consumed to fuel day-to-day expenditures.
It is a word that Can Mean a lot to a person. One can spend his income for going to the beach, eating in a fine dining restaurant, buying a new shoes or a book. It can also be spent by paying the electricity bill, providing allowance to your child or simply buying food for your daily needs. Each person have different standards of living depending on how much income do they have. The higher income you have, the more things you can buy or purchase. However, this Income should be spent wisely. Having an Income means having the ability to spend and to save. If you spend, you use your income to have a goods or services in return which you can use in the meantime. In saving, you put the money you earn into a tool or a system that in the future can have gains, losses or be retained.
So how does one manages his or her income? Here are two Cases:
Case 1
Mary works as a Call Center Agent in Ortigas and earns 25,000Php monthly. She usually have good times with her friends on weekends, gives a part of her income to her parents and shops for new clothes regularly. At the end of the month Mary usually deposits 5,000Php to her Savings account.
Case 2
Lei is a Restaurant Staff and makes 12,000Php a month plus her daily tips. When she gets home, Lei puts the tip she had for the day in an Envelope. Weekly, Lei deposits 500Php to her Bank account. She also hands some money to her parents then the rest that are left are for her personal needs. Every month she also puts in the bank the money she had in the Envelope.
Whom do you think handles the money wisely, Mary or Lei? Why?
Where can We Learn a System on How to Manage our Money?
Money is important to each one of us. We Earn. We Spend. We Save. With money we can provide for our basic needs such as food, shelter, clothing. It also gives us the opportunity to enjoy a Lifestyle we choose to have. We also have the responsibility to save and invest for future needs.
There was this Seminar held by John Calub titled "How to Become a Money Magnet"
A friend wrote an article for me about the said event:
On How to Become a Money Magnet
by Miguel
Oscar D. Castelo
As a Financial Advisor, I constantly seek
ways to improve my service to my clients and teach them new things, that’s why
I never get tired of attending seminars and trainings that would help both them
and me.
I started the month of September by
attending a seminar provided by John Calub on how to become a “Money Magnet” by
managing your money well and having the proper mind set to achieve your
financial goals. Obviously I wanted to learn more so that I can teach more, and
paying 500php for knowledge that I would be able to use forever was a cheap
price to pay.
What struck me the most, during the seminar
was the methods and techniques that I have learned as regards to paying
yourself first before you pay for your bills and buy your necessities, a
process that most Filipinos are not familiar with and the main reason why we
always seem to burn through our salaries really fast. Have you ever heard of
the saying “mabilis mawala ang pera”? That was what John Calub was referring
to.
Another aspect of the seminar which caught
my attention was the notion that you will never become rich or financially free
and stable if you just keep your savings in the bank. This is something that I
actually tell my clients about. It is not enough to spend less than what you
earn and put the difference in a savings account, that’s pointless because it
will never grow. You will need to “spend
less than what you earn and invest the difference”. The best part of this
was that one of the safe investment mediums John Calub was talking about is
something that I specialize in which is “Variable Life Insurance” (financial
protection plans packaged with Investments). John told his audience to seek a
Financial Advisor and Life Insurance Agent because they can help kick start
safe investments. You can imagine how much I was trying to restrain myself from
standing up in a crowd of over 1000 people and shouting, “Financial Advisor
right here I specialize in Variable Life Insurance, talk to me after the
seminar”.
All in all, it was a great experience as I
now teach what I have learned to my clients as part of my service. Whether they
get Life Insurance from me as crucial part of their financial planning method
doesn’t really matter, for as long as I see them financially free in the future
because of what I was able to teach them, I would consider myself repaid for my
efforts.
I would like to end this entry with a
question.
When you retire, do you suppose your money
will outlive you? Or will you outlive your money?
If you answered that your money will
outlive you, then congratulations you probably are financially free or at least
on the road to getting there. You are part of the few people who can eat at a
fancy restaurant without the need to look at the right hand column of the menu
(where the price is located). Or you don’t need to charge everything on your
credit card because you’re still waiting on your months’ salary.
But if you answered the latter, and you
feel that what you make won’t be able to support you until the final days of
your life then ask yourself why. Maybe you need to learn how to manage your
money properly.
I find it funny that we spend such a long
time in school to receive a degree in order to get a good job and earn money
but we were never taught how to handle it. For that reason I take pride in my
work as a Financial Advisor, because I teach people something that they do not
actually learn in all their years inside the four corners of the classroom that
cost our parents a small fortune just to put us through school.
I’d like to give a shout out to all my
fellow Filipinos who would like to learn more about how to manage your own
money and make you stop working so hard for the money you earn to the point of
breaking your backs and not enjoying life.
But instead making your money work hard for
you simply because you deserve to become rich while you enjoy the company of
your friends and family as well as enjoying what life has to offer.
I would love to share what I have learned
from this experience as well as what I have learned throughout my career that
would make the financial lives of Filipino people better.
Have a Good day and
may God Bless us all
Miguel
Oscar D. Castelo
Pru
Life UK Financial Advisor
For
inquiries you may contact Oscar at: 09178039114 or 6711686
Is it the same as Financial Literacy and Financial Management? How can people relate with this stuff?
Where does one learn Financial Education?
Let me give you an overview...
What is Financial Literacy?
Financial literacy is the ability to understand finance. More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions through their understanding of finances.
In Asia Pacific and Middle East Africa
A survey of women consumers across Asia Pacific Middle East Africa (APMEA) comprises basic money management, financial planning and investment. The top ten of APMEA Women MasterCard's Financial Literacy Index are: Thai 73.9, New Zealand 71.3, Australia 70.2, Vietnam 70.1, Singapore 69.4, Taiwan 68.7, Philippines 68.2, Hong Kong 68.0, Indonesia 66.5 and Malaysia 66.0.
Financial Management means planning, organizing, directing and controlling the financial activities such as procurement and utilization of funds of the enterprise. It means applying general management principles to financial resources of the enterprise.
Scope/Elements
Investment decisions includes investment in fixed assets
Financial decisions
Dividend decisions
Objectives of Financial Management
The financial management is generally concerned with procurement, allocation and control of financial resources of a concern.
The objectives can be:
To ensure regular and adequate supply of funds to the concern.
To ensure adequate returns to the shareholders which will depend upon the earning capacity, market price of the share, expectations of the shareholders.
ABU DHABI // Filipino migrant leaders are teaching their compatriots how to manage their hard-earned money, invest their savings and prepare them to reintegrate into their communities back home....
The move follows a financial literacy "training of trainers" organised in Dubai by the Ministry of Labor, not only for Filipino migrants but for those from Bangladesh, India, Pakistan and Sri Lanka.
A series of workshops were held in January by representatives from Atikha, a non-governmental organisation that provides economic and social services to overseas Filipino workers (OFWs) and their families in the Philippines. Atikha also developed a training module that was applicable to other migrants.
The financial literacy seminars discussed basic concepts of saving, investing and borrowing and the various investment instruments that Filipinos could utilise.
"It is our nature to make sacrifices for the family," Mr Junio said. "We need to know how and when to say 'no' to some of their demands."
Just click the link to read the whole article.
For a review about the banks in the Philippines such as Bangko Sentral Ng Pilipinas, Banco De Oro, CitiBank Philippines, Bank Of The Philippine Islands, Union bank, Philippine National Bank, Metrobank, Security Bank, Land Bank Of The Philippines, HSBC Philippines and China Bank Philippines click here.
So where do we learn this Financial Stuff...
For me, I learned from a book. Then through videos and eventually through seminars. There are people that have knowledge and wisdom to share about Financial Literacy, Financial Management, basically finding Financial Education.
Robert Kiyosaki has been one of my Best Mentors. Who is he? Wikipedia says Robert Toru Kiyosaki is an American investor, businessman, self-help author, motivational speaker, financial literacy activist, and occasional financial commentator. Kiyosaki is perhaps best known for his Rich Dad Poor Dad series of motivational books and other material published under the Rich Dad brand. He has written over 15 books which have combined sales of over 26 million copies. He has created three "Cashflow" board and software games for adults and children and has a series of "Rich Dad" CDs and disks.
As a devout global financial literacy advocate, Kiyosaki has been a staunch proponent of entrepreneurship, business education, investing, and that comprehensive financial literacy concepts should be taught in schools around the world.
Here is a video or Robert Kiyosaki talking about Financial IQ
Here is my Conclusion:
Financial Intelligence means being Financially Educated and having a Financial Management System that works for you.
It is Important that each person has a High Average Financial IQ for money has a very important role in our life today.
To be Financial Educated, it starts from within. Your DECISION. Decide to be financially educated, raise your financial IQ and have a financial management system. Resources are available at hand. It can be your friends, family, books, newspaper and Internet.
