Swabeng Thoughts: My own learning issues

After graduating college and passing the ECE Board Exam a decade and a half ago, it never crossed my mind to continue my education seriously. I thought that when I passed the board exam, I can have command of my career. When I was starting my career as an assistant instructor in a Computer College down south, I never paid attention in what are the other thing I need to learn. Instead, I just enjoyed material things that my salary has been providing me. 

I was wrong. 

A few years after that, I decided to take an IT course in the form of Cisco (CCNA) to further enhance my career. By the time I passed it seven years ago, I tried to pursue further my career in IT without considering that experience is also needed aside from certification. 

This is where I need to make an overhaul in my career. 

As of present, I'm still gainfully employed in my current company giving me more than enough to provide for my family and I was also able to save more than I could imagine. I got to invest also for the long run making sure that my family would be taken care off in the event that something happens. 

This is where another opportunity comes in. The opportunity to learn. This time, I need to learn a lot of things beyond my field of work (which is in the IT). 

Taken from Google

Since 2013, I started to do some self-study on Financial Education. This was in a sense that my money should go further beyond the banks and putting it to work the same as I do. I started buying some books one at a time and read them more than once just to make sure I get the hang of it. As of writing, I've bought more than 20 books on Personal Finance Management and Stock Trading not to mention a couple of Photography books that I've been collecting since I've started my career in IT in 2010. 

Bottomline is one should never end his quest to learn new things and be lustful to learn more things that are taught beyond the four corners of the classroom. 

Taken from Google

Till then. Never Stop Learning. 

Ciao!

2016 Resolutions: To Do and To Hold

Here we are again. The start of the year and the usual, we need to at least write down some resolutions that we should try to accomplish this year.

But for me, what I usually do is instead of writing down my resolutions for the year, I write down plans to accomplish and some steps on how to make sure to complete them by the year ends.


Here's mine.


1. Keep myself employed: I've been blessed that my 3rd year of my tour of duty in one of the offices here in Makati is just around the corner. Since February 2013, there is no turning back as I was able to save more than enough not just for my future but for my family's future as well. Though I wasn't able to keep up with my blogging, I hope this year, I can compose atleast 50 original entries from various topics (I've only made six measly entries last year) while keeping myself updated with the latest trends in technology.


2. Keep on reading and learning: Last year, I was able to bought close to twenty books on personal finance and the stock market. I was able to finish reading the books whose author is locally based here, leaving the international authors that have yet to be touched. I still have around 5-6 books by Robert Kiyosaki and one by Benjamin Graham. I wanted to finish reading those books before the end of the first half of the year. I must complete this for me to gain more financial knowledge while being invested.


3. Keep on Saving and Investing: Since I started working again in 2013, I was able to save and invest a lot of money that is probably more than what I've spent during my early days of my career. I even made my own Statement of Assets and Liabilities plus a few tables to track down how much I've saved and invested. While losing money through high-risk investments are a part of the learning cycle, what I should do now is to prevent my assets from losing further especially that the Bear Market is just a few points away.


4. Keep on improving physically: This has been my problem throughout the years. While I was able to give myself a headstart on losing weight, I only end up gaining it back and what's worse is adding a few extra pounds at the end of the year and every year after. Also I need to take good care of my eyesight as well as my dentures as they say Health is Wealth.


5. Keep on Shooting: Its been a long time since I've been taking photos actively using my almost 4-year old DSLR. While its still in working condition, I know I could possible break within the year without any possible replacement except for my iPhone. As I've been using my iPhone as my back-up lightweight shooting device, nothing still beats using a bigger sensor complete with some extra settings that you can actually change and manipulate. I may consider going mirrorless and pick a camera from either Canon or try Fujifilm this time.


6. Keep on Writing and Editing: Been writing online since 2009 and being active for a couple of years until such time I had almost lost the imagination, creativity and will power to continue. due to the workload I'm happily receiving in the office and a lot of daddy duties to Marien. As Marien started to go to school, this gives me enough time to possible write more here and edit some of the old sets that I have. I was able to edit close to 15 sets within a week (I was on Vacation Leave that time) and I'm thinking on how to maximize my vacation leaves.


Till 2017 Resolutions. 

Ciao!

Swabeng Thoughts: The 2015 Stock Market, Bears on Parade and Why I Hold instead of Yield.

As the Stock Market goes on Christmas Holiday, it went up again for the 3rd straight day breaking the 7000 barrier (7,002.42 to be exact). I'd also recall that it also had a good run before the Christmas break making most of us happy with our respective gains. 

Thinking that 2015 would be the continuation of what the 2014 Bull Run had, it went on a different direction after the first 3 months. It started with PSEI at 7277 (on January 5), then it broke record after record until it reached 8127 (on April 10) gaining 11.68%. Then it went south even to as low as 6791 (on August 24). Imagine a 16.43% change (loss) from its peak to its bottom before it went sideways as of the moment. 

Even if most of the news coming out related to the Stock Market were positive, the only thing we encounter is a sell down after sell down. If you're a member of most Stock Investing/Trading Groups like TAP, Tsupitero, FTGZ, etal, you'd be able to see what I'm talking about. They sell mostly on good news. 

If you take a look at the graph below, note its climb breaking all time high after all time high. It was followed by Net Foreign Selling after Net Foreign Selling making us local investors worried. Traders would see this oppportunity to make their gains but for those who are into investing like I do, it would be a different case. 

PSEI as of December 23

If I knew it would peak on the 10th of April, I could have cashed in my profit and wait for it to bottom. But we can never exactly predict when it will bottom nor when it will peak. 

I can show you some graphs of the Stocks I'm holding so you'd be able to have an idea if I'm on a losing ground or gaining some. Take note that the graphs here are YTD (year to date) meaning from the first trading day of 2015 up to the latest. Charts are from Big Charts. 


1. Jollibee (JFC): This was the first stock I've bought when I was starting to invest. Jollibee is one of the stocks that is included in the PSEI and it is categorized as a Blue Chip Stock. Why did I decided to buy this stock. First, this is one of the mostly used example when being discussed in books and in online by financial experts. Second, twenty to thirty years from now when Marien would be on her own, this would still stand the test of time and maybe my daughter would have her meal there with her friends one day.

JFC as of December 23

2. Max's (MAXS): This would be my next JFC in 5-20 years time. This fast casual dining scenario may take over the fast food industry maybe in a few years time and by then, this may touch the 100 pesos/share range or even higher. 

MAXS as of December 23

3. 8990 Holding (HOUSE): I like its business model and its goal of having a zero backlog in housing by offering affordable housing to the working middle class. They already have existing projects in Cavite as well as in Angles, Pampangga and also downsouth. Imagine owning your own home for less than a million pesos compared to its other counterparts (ALI, MEG, VLL, GERI). Even I myself consider to own one unit from them someday.  

HOUSE as of December 23

4. Global Ferronickel Holdings (FNI): This is the first speculative (mining) stock that I've bought (maybe my last for the time being). Even it went downwards, I kept on averaging down (can be considered a mistake). Unless it goes FOO (Follow-On Offering) or Nickel prices worldwide recovers, its downtrend would continue. And by the time it's ready for reversal, I have more than enough cash to but at the bottom. I could have cut my losses after buying some more at 1.00 pesos/share (I'm currently at 57% loss on this stock) I don't have any plans on putting my money somewhere. But now, instead of averaging down and further deepen my losses, I'll wait for the bottom if there is one. hehe. 

FNI as of December 23

5. D & L Industries Inc (DNL): This is one of the most loved stock when I stared investing. Good thing I was able to buy at a low though this stock has been battered for the past few weeks. One of its clients include Jollibee so I'm sure this would go back up where it belongs. This stock has a makings of being included in the list of Blue Chip as it has been included in some of the Small Cap Stocks in other countries. 

DNL as of December 23

6. SSI Group Inc (SSI): It was a few weeks after its IPO when I started buying this stock. While it was promising at the first half of this year, it went sliding down towards the second half of the year making it the next FNI (as other traders would describe). My losses here is at 67% though I'm not yielding yet. Rather, I'd wait for the bottom and until all 200 Family Mart Stores to be fully operational. I forgot that this stock is responsible for Rustan's (remember Starbucks). 

SSI as of December 23

I didn't include the 7th one since it went IPO just a few months back as well as other stocks that I've used to had only to sell them to reduce my portfolio to a few names. While you'd notice most of the graphs are on a downward trend, I have one that gained just a little for the time being. 

While most traders are cutting their losses, I'd rather keep mine for now as I have a high tolerance for losses. Meaning, I might lose all 100% of my portfolio yet I won't cringe nor cry over it but I'll learn from that experience.

I wonder how 2016 would be given the upcoming 2016 Presidental Elections and what Robert Kiyosaki has predicted a 2016 crash. Oh well, I'm keeping my cash with me until then.

FHM November 2015: Sabado Nights Trick or Treat

Most of us have been dreaming of one day, she'll heed to millions of her fans to grace the covers of FHM. A decade and a half later and with close to a dozen Hot Moms who already did pose for FHM. It's now Ina Raymundo's turn to pose. 

What a nice cover to look at and enjoy on a Saturday (but its not yet available on stores yet!). Anyway, I'll be having my own copy. Ten copies perhaps (collector's item in the next 20 years). 

Taken from FHM's FB Page

Enjoy!

FHM June 2015: Dreams do come true

When I saw a video clip of Maria Ozawa that she's here in the country, a lot of her fans (me included) were thinking why she's here and for what? One thing on my mind (my friends may think the same) is that I hope she would cover on a Men's Magazine. Any would do as long she's there. 


And dreams do really come true after all. ^_^

Taken from FHM's Facebook Page

While the copy is not yet available in the market, I'll grab around 2-3 copies for safekeeping. I hope they would release them by June 1st. ^_^

And who cares if they're photoshopped heavily or not. That's Maria Ozawa were talking about here boys and girls. 


Till then. 

Swabeng Food Trip: Birthday Treat for my Girls at Vikings SM Megamall

Last Sunday, we made a plan of having dinner at Vikings as I haven't been to this buffet resto (I'm more of a Sambo-Yaki type). I just made sure to read those reviews from foodies to convince myself and my wife (who is quite hard to please when it comes to food). to give this place a try.

And by 5:30pm, we were at Viking's already to wait for our number to be called and have our filling of what they have to offer. We were able to have ourselves comfortable before my in-laws dig-in to their delight. To my surprise, they were really hungry that they had rice on their plate (for me that's a no-no when eating at buffets). Then I got some food for my daughter before starting to explore the place.

Surprisingly, the place wasn't that as big as what most foodies say. In fact, you can scout the whole area within two minutes or less (that was dinner time). Their food choices were quite enough to satisfy my eyes (for the meantime). I didn't took much photos as there were people everywhere plus some of the food presentation were already on its way to being demolished.

As I start to gain more and more interest on cheese, I tried their sample together with their cold cuts and 2 canapes. It was a good start to enjoy what Vikings has to offer. A few minutes after, I head off to their carving station.

Round 1 (Cheese and Cold Cuts and Canapes)

A few minutes back, it was heavily queued as if the were really hungry for something meaty. Good thing I was able to time my visit and tried their offer. From their beef to their turkey, to their lamb and to their famous Vikings boneless lechon, I got more than enough protein to help me gain some especially with their lechon. It was best paired with a mug of cold beer (draft) which was by the way, included in the cost.

Round 2 (All the meat at the Carving Station)

Third round was I got some fresh meat and salmon and shellfish to have em' grilled and at the same time, I had a plateful of baked oysters that got my wife's attention. It was really a long third round that I took some time to enjoy the oysters before going for another round of Japanese delicacies.

Round 3 (All the Baked Oysters my plate can hold)

Oysters is Love (Not for the weak at Heart)

Instead of helping myself with different types of sushi and maki, I opted to grab a few tuna, salmon and octopus sashimi while I'm taking time to digest the entire meal I had earlier. Probably I was on my 4th (or 5th) mug of beer that made me a bit full (this was the culprit on why I wasn't able to eat as much).

Sorry, I forgot to take a picture of my Japanese plate. XD

Then, I tried some of their non-alcoholic drinks. Their tamarind iced tea was the best for me as well as their fresh minty lemon lime that is quite refreshing which cleaned my taste buds. The rest were okay as I took a few sips from each container before grabbing my nth mug of beer.

I lost count on how many mugs of beer I've consumed. XD

Next was dessert. Though I'm not much of a fan of sweets, I still tried a few anyway. They're sweet yet seem ordinary to me (sorry!). Marien seemed to liked her marshmallows dipped in chocolate as well as her ice cream.

Round 6 or 7 (Just to complete my meal)

My Birthday Celebrants

Am I done? Not yet! I had another plateful of Vikings boneless lechon as the performers gathered around my wife and daughter to sing happy birthday to her then my wife noticed my plateful of lechon with a mug of beer beside me and reminded me of my heart.

Vikings Lechon plus Beer = Total Satisfaction

But there were some thoughts on my mind regarding their buffet spread.

1. Their maki and sushi were the same with other buffet resto (I was looking for something only Vikings can offer).

2. Their Chinese selection were also the same with others. I could have tried one if they have "Xiao Long Bao" and Peking Duck. Anyway, my folks were able to enjoy them.

3. Since beer was the culprit, I wasn't able to hit my 10-plate target. Anyway, there's always a next time. 

4. I don't know if I missed their Mediterranean selection or there was any in the first place.

Vikings SM Megamall ain't that bad when it comes to their food selection, It's just I'm still looking for something that only Vikings can offer. The place wasn't that jam-packed so I wonder what and why.

Anyway, I'd still go to Vikings to hopefully try their other dishes. Cost wise, its comparable with others.

Ciao!

Swabeng Thoughts: Emotional Attachments at Work

I've been working with various industries for the past few years. Name it, I've been there and done that. Now, its only natural to make friends at work where you sometime spend time talking about more work and a few times non-work related. It helps you ease-up and let loose even for a while on any busy day. 

In my past jobs, I've meet different people. Some were just officemates, but some were the ones I can call friends. Like after work, we hang-out for a few hours with a few bottles of beer while singing in the videoke. Those were the good times and unfortunately, all good things has come to an end. 

I kinda miss those moments. Even if you're way too stressed at work, just a few hours with them would make the pain all go away. There were times that I'm kinda attached to those moments that I know it will just be a part of a good past. 

Taken from Google

Moving forward to the present. While I'm in good terms (kinda) with my colleagues here, its just its not there anymore. I mean, every time they would invite me to go out and have a few rounds, I'd make up excuses not to join them. Its weird for me to decline such invites to relax and hang-out with office mates. Eventually, they set-out their own plans (most of the time) and not include me anymore. I guess I'm kinda used to it that it works well on my part not to get too attached with my current colleagues at work. It also saves me from probably having the feeling of despair if (and only if) I'm not with the current company I'm working (only time will tell when). 

Though I've never burn any bridges with anyone, I guess they've already initiated that a long time ago. But anyway, life goes on and besides, I have more than enough friends to keep me sane (the same friends I've been with for more than a decade now). 

Oh well, its lonely working here all by myself, I wish I could go home after. XD

Swabeng Thoughts: A letter from my mid-life self to my quarter-life self.

Its kinda weird for me to write a letter to myself but after reading some blogs on why they wrote to their old self, it was like, okay. So here goes. 


Hey Quarter-Life Bro, 

Its been like a decade since the last time we've talked. How did it go from there? You know, there were things that I wanted to look back and think about what if you were able to do the things I do now. Kinda weird huh? Well...


I know you really enjoy life just I do now. But I wish that you were able to save a portion of your small earning when you used to teach at that school in Las Pinas. While you were earning just enough for you to spurge on food trips and gimmicks, you shouldn't ask for money from Mom and Dad since you're already earning on your own. I mean, you used to save when we were back in college but what happened after there? You see, I've been saving a few years ago which you should have done it sooner. You could have been a millionaire and be richer than me If only you have started investing in either the Stock Market or in Mutual Funds with as low as 1000/month. But anyway, I'd help you on this only once though I only have twenty five years to help you. Its up to you how you'll make it grow. Probably next time, teach Marien the concept of money (like when she's 8 or 10 y/o). I'll probably lend you some books I've purchased on personal finance. 

I know your Dad is really proud of you when you finished your course in only four and a half years and passed your board exams. You were really ecstatic that you forgot to continue learning some more tricks off your sleeve that you were totally dependent on your diploma and that PRC license of yours. While passing the Board Exam and getting Cisco Certified a few years back could give you a certain advantage, today's technology has a faster pace. So fast that you forgot to renew both of them and got mixed-up somewhere. I really liked working in an IT environment and I wished you have joined me sooner. We still have a few more certifications to take plus the ones that you need to renew. I'm sure you still want that CCIE title someday right? Or maybe you wanted more like taking the LPIC (Linux) that got me interested? Anyway bro, let's review together soon. 

We've been together through tough challenging times especially when dealing your dilemma with women. I know you've enjoyed their company when you were younger like I did, had a few heartbreaking moments that I know it took you a while before you recover. I was able to overcome that sadness when my wife (your future wife) came into my life. She had my heart beat faster and slower at the same time just like a quote from the movie "Hot Chicks" She may not have that Angelic Face and a Heavenly Body that I was dreaming when I was your age, she complemented me in almost all aspects and she can make me laugh the way I do to her. I'm sure you'll find yours in God's Time. But be sure she's the only one and no other else alright?

I've been hooked in photography for quite sometime now as well as blogging like you to basketball and playing video games. We can spend some time together like you teach me play arcade and I teach you to handle a DSLR camera. Then we can form a collaboration against the best in the country to show them how creative our minds are. Maybe when you get your own camera, we can take a photowalk within where I live now (its pretty more interesting there). Then I'll teach you to use Photoshop to enhance some of your shots 

But what we have something in common probably is that both of us need to lose weight. I mean seriously, both of us really weighed much that we should buddy-up in a gym or do some long 5K or 10K jogs like I did last year (but I wasn't able to sustain it). I know you were really a health buff a few years back unlike me which I need to face the reality that I'm getting older and older that I just hope my application for VUL gets approved despite my current physical condition unlike yours. Also both of us love to read. You with your mens magazines (FHM, UNO, Maxim, Rogue, Esquire, Playboy) while I'm more into books now. Just take care of my magazines back home for me and I'll send you some books on Photography and Personal Finance in a few weeks time. 


Anyway, I hope to see you soon somewhere, somehow, someday. And let's celebrate this over a bottle of Jack Daniel's and a case of San Mig Lights. XD 

Take Care, 
Your Mid-Life Bro

PS. Please take time to study on how to make our website earn more while I'm away at work ok. Buy a domain for us and I'll let you re-brand it as a gift to you. 

PPS. And please, make sure to start working on those backlogs as well so we don't get dumped with more. 

Swabeng Realization: The Product of My Financial Literacy

Early last year (or I think as early as 2013), I began to take an interest in Personal Finance and Money Management. These are something that wasn't taught in schools (yet) nor from your parents but rather these are learned online (mostly) supplemented with some books authored by experts in Personal Finance like Robert Kiyosaki (Foreign), Francisco Colayco (Local) and the like. 

While I took my sweet time (almost two years to learn the basics (and I'm still learning), I didn't realize that I am slowly wasting time to start investing early. While I'm used to save (and spend) my paycheck with all the basics, I wasn't able to start ahead. Why? I guess I set my first target too high that eventually I had to make some changes (for the best). Anyway, I was able to spread-out half of my savings to some financial instruments that will help me achieve my goals in the years to come. 

During the last two months, I started investing in the Stock Market. Even with a little background on finance, I took the plunge and opened an account with COL Financial (Stocks). Why COL? Because its where most financial bloggers are entrusting their money with. While there are other reputable Online Trading Platforms in the country, I guess I'll put my trust with COL for the next couple of years. I won't divulge any information how much I invested but it grew by about 4% and I hope It earns more. While there are two (or more) ways to let your money grow in the Stock Market, I'll let the experts do their sharing (I'll do mine really soon) for now. 

Taken from Google

After having my feet get wet in Stocks, the next is to choose which Mutual Fund Company should I trust my money with. Initially, I am sold with First Metro Asset's Save and Learn Equity Fund (better known as FAMI's SALEF) because of its high return rate and low charges. But when I checked Philequity Management's Philequity Fund Inc (better known as PEMI's Philequity Fund) and compare it with the former, I got so torn I instead opened an account for both. As of writing, I have opened an account with PEMI and put my initial investment already (with some returns already) while with FAMI, I had to wait for my account number before I can place my initial investment (I have submitted all my requirements with them already. Anyway, we'll see who performs better for the next 3, 5, 10 years or even longer. In the end there can only be one. 

Taken from Google

Even before I opened an account with COL, I am already in contact with one of Sunlife's agents regarding their Variable Universal Life Insurance product (better known as VUL). They gave me a proposal (Sunlife Maxilink Prime) which was hard to refuse (or even resist). Their offer was like a part of your payment will be placed in stocks or in bonds (or a combination of both) for the next ten years but I prefer to have it placed in Stocks for a more better return. I just needed some time to think about it before saying yes to their proposal. I also asked for a modified version which of course the payement changes as well (didn't matter much to me anyway). I also checked what Insular Life has to offer (their VUL is similar to Sunlife's) but I was more convinced with what Sunlife. Well I thought after signing with Sunlife, its all a done deal. 

Taken from Google

But I have to undergo a Full Medical Exam to see if I am fit for their product (this means that my application is still pending and could possible be rejected and have my inital payment refunded). I only realized that its really best to get a VUL (or any life or term insurance) while you're still young and very fit to work. Just to be sure, I'm checking Philam Life's VUL as well as AXA and others. Its better to be protected than sorry. 

When we went home to my folks over the weekend, I also considered putting my money in Unit Investment Trust Fund (Better known as UITF). Since we have an account with BDO for the past couple of years, I got to check what they offer. Under high-risk and high-return, I was able to take a brief review on BDO Equity Fund, BDO Sustainable Dividend Fund, and BDO Focused Equity Fund. Their returns are all good and at the same time, the NAVPU for Sustainable Dividend Fund and Focused Equity Fund are still affordable. I'll take time (not that long) to choose the best and at the same time, check other banks who has the best performance for Equity Fund. 

Taken from Google

This year would also be my redemption against the 52-week peso challenge (50-peso version). Mid-way last year, I lost my battle as I wasn't able to temper myself back then and squandered all of what I saved from this challenge. But now I have already learned from my mistake and I have already revised my battleplan to conquer this challenge. It would still be the same mechanics like the one I posted a year ago. 

Not taken from Google XD

Wait a minute. Except for the 52-week money challenge, all financial instrument that I am venturing into entails high risk (since its focused more on equity/stocks). This may not be for the weak of heart especially there is a possibility of losing all money that I invested. But, I hope it would be the other way around as I learned how to control money instead of the money controlling me. 

I look forward to make my money grow not just for a year, but for the years to come. I hope you would try at least one of the financial instruments I'm venturing into, and this is for the long run. And also, sorry for the very long post. ^_^

Swabeng Thoughts: The 2014 that changed my perspective entirely

The year 2014 was very much fruitful and meaningful to me. For me, 2014 was just a continuation of 2013 where I received blessing after blessing despite challenges and obstacles came along the way. 

On family, it was a sight to behold to witness how my daughter grow so fast that only a few years back, she's only crawling and utter simple words. And now she can do things on her own like taking a bath, brushing her teeth and even helping out with some household chores at home. Also, she can now speak a few phrases in English whether we ask her a question or she wanted to say something (Thanks Peppa Pig!). She can now read and write a few letters though with her reading, she sometimes messes it up (on purpose). What I like about her improvement this year is that she can do the Sign of the Cross as well as recite the Lord's Prayer (Our Father) with the guidance of her mom. But we still need to improve her social skills as she is kinda shy when dealing with other kids (or other people) for the first time. Well next year would be her year as we'll be sending to school so she could interact with other kids. I know she'll outperform herself for the best.

With work, things got better and challenging at the same time. From logging-in to facebook everyday at work, now I don't log-in to facebook at work and instead, check my updates at home (or on the road) from my mobile. I seldom visit forums that is not related with work in my workstation. Instead, I check work-related websites as well as a few personal finance related websites (blogs) on how to improve your personal finance and check other websites that would help me grow as an individual. Well every now and then, I check other websites on food and photography but its on a limited time only (meaning if I am terribly bored). Probably, I'll add book reading as a list of things to do in the office when things get very very boring but its better than doing nothing right?

Health matters, it's like dead even. Why? At the start of the year, I was very active getting up a bit early and walk around to reduce weight and get in-shape. But time passed and I wasn't able to keep it up with my target, thus the weight I lost during the start of the year gained back again. Eating habits got a bit worse until the end of the year which I was able to curb and limit thanks to my Doctor's consistent reminder on weight management (from 3 maintenance medications, its now down to 2). I got to limit my vices to almost nil (except for special occasions) but I need to limit my recreational visits as well, to keep my wallet happier. I always fail on this part but I'll do my best to improve here. 

On Blogging and Photography, I was almost at a complete halt on this. I mean, from my usual weekly/monthy posts and photoshoots, it was almost down to nil as my priorities have shifted. Shifted in a way that my iPhone got me hooked on the internet whenever I had the opportunity at home. That leads to piling up on pending things to do on both Blogging and Photography that I need to do something here fast. While I can't promise to limit my internet connectivity via mobile, I'll try to inject some creativity in my head again for me to be able to revive my other passions in life. 

On money matters, I was able to hit my target on completing my emergency savings. I got to learn a lot of things as well like investing in Stocks, Mutual Funds, Unity Investment Trust Funds and Variable Universal Life Insurance. I was able to fortify my learnings by attending free and paid seminars during the second half of the year. By the end of this year, I already have an Online Account for Stocks, two Mutual Fund Accounts (with 1 pending), one VUL (pending approval) and a decent emergency fund (good for 6 months). I could have saved much more if it wasn't to some things that well...I guess I need to limit it one step at a time. 

At the end of this year, I look forward that 2015 would not just be another year for me but also a better year for me (and everyone else). 

Happy New Year! 

Swabeng Thoughts: The long and unexplained hiatus.

Its been months since the last time I wrote something here. I got too busy with work, raising a very playful and mischievous daughter and been busy with doing new things. While I can write here at work (during off-peak), I couldn't as my resources are scarce. 

It was like the first time again for me to put something that would make me remember the sole reason why I write online in the first place. It was those random thoughts that was the last time running through my head and make me think again why I had to be away. While there were times that I was suppose to put something in this space, a part of me wanted to be away for sometime and had me too pre-occupied.

Seven (or more) months not writing anything my mind expresses was like a year or more for my seasoned blogger friends who keeps me updated through their respective facebook page. If they experienced what I'm experiencing right now, they might have deserted their space and simply created a new one (I'm still planning to buy my own domain someday).

But I guess it's not yet time for me to leave this space and start anew. Probably, I'd try to pick-up the pieces and continue where I left off. The question when will I be active here again lies on my will power to continue amid all distractions that comes through my way. 

Until then, I hope I could find the inspiration and the drive to get back to the grove and share a lot of things Swabeh!

Hey! Merry Christmas by the way. 

Swabeng Random Thoughts Part 10

1. Its been so long since I've last made my entry here. More then two months since I've posted my last Swabeng Random Thoughts. 

2. My interest in Blogging and Photography is slowly dwindling for some un-explainable reason. I don't have a clue how it faded slowly. Work may not be the sole reason for the slowly demise of this hobby. Somehow, I must get it back before its too late. 

3. With #2 being said, I'm trying to read some blogs again particularly anything that has to do with Photography. I missed those times taking pictures and sharing them through here. So far, I'm reading two good blogs that may bring me back to the habit I do love (taking pictures and blogging about them). 

4. While I was able to lose a few pounds through exercise (walking) and lessen my food intake. Keeping it away (for a long long time) may take a lot of determination than I expected. As long as I lose a few more pounds before the year ends, I'm good with that. 

5. I'm already reaching 81.25% of my total emergency savings (that will last for a year). Only a few more months to go and I'm on target. Next would be saving up for investing. Hopefully I could start investing by the 4th quarter of the year. 

6. Since I've participated in the 52-week money challenge, I have an Idea how much I've already saved. To be honest, its not easy to do this on a 50 pesos per week increment (trust me) but hopefully, I could hit the target by the end of the year. With that amount, I could probably last for a few more months or use it to earn more. 

7. I also need to learn to tinker with my iPhone instead of using it just for browsing. Since I had that phone with me, I'm almost hooked into it whenever I have it with me. Thank God I don't bring it yet to work for safety reasons. 

8. Since they have forbidden Facebook in all workstations here, I was able to adapt somehow but I wasn't able to keep up with my games and let it go idle for a while. Now I'm trying to play them again even if its only once in a day. 

I hope I could get back really soon. Only time knows when...

Swabeng Random Thoughts Part 9

1. Its been more than 6 months since I posted my last Swabeng Random Thoughts. A lot of things have come and go through last year that I wasn't able to do some updates.

2. Last month was pretty much busy for me that I wasn't able to do any updates in this blog for the month of February. I mean, no posts and not even drafts were made last month.Well its my fault that I didn't allot even an hour a day for this. My bad. Hopefully, I could get go on this and finish my zero backlog. 

3. This year, I started browsing through several financial blogs that has something to do with investing and mutual funds. I realized that I myself wanted to be financially independent not just for my future but for Marien's future as well.

4. Also this year, I decided to hit the road and do some morning walks (jogging). Though it's still a long way for me, I know I'd be able to lose some weight and be able to hopefully join a 3K, 5K, 10K or even a 21K run in the future. 

5. I'm still trying to adjust my eating habits as I'm so far good at limiting my rice intake for the day. I just need to fine tune some fat intake and limit cola to almost nil. 

6. However, my biggest obstacle so far is forum hopping that keeps me from being productive. I must resist temptation but how? XD

7. I'm looking forward to this year as a challenge and face it head-on


And now this concludes my first post for the month. XD

Swabeng Thoughts: A decade after quarterlife

I just celebrated my birthday a few days back and I felt it was just like yesterday when I celebrated my 25th. Today, its been a decade since I celebrated my quarter life and I haven't looked back since. Indeed, God gave me a lot of reasons to live my life to the fullest after a lot of setbacks I got especially ten years ago.

Back in 2004, I just quit a teaching job not knowing how would that year end up. Got a bit too lazy to move forward that I wasted an entire year doing almost nothing but going online surfing about useless stuff.

While I try to look for a decent job back then, I didn't seem to care to get serious about it and just let it go with the flow. It didn't seem to matter to me whether or not I get hired or not but its about living it one day at a time. 

That was also the year I met a girl that I thought I would spend the rest of my life with. Like summer romance, it all ends on a sad note that I felt so depressed I had thoughts of ending my life then and there. I got to meet another girl during that year but It didn't erase the thoughts of the one that got away (not until I met my last girlfriend who happens to be my wife now). 

Anyway, the Decade's past has already been part of history which where I am right now, may not be possible if it wasn't for the mistakes I made back then. 

Now its time to embrace the good life and all the good choices it has to offer. Speaking of which, I'm halfway though my target in my daughter's account. 

Photoworld Asia 2014 Calendar

Its the time of the year that most photographers look forward to. Discount from selected booths, free camera/lens cleaning, free model shoot, photographers convention and more. What more can you ask for? However, do you still have your 13th month pay with you? =P

Photoworld Asia is a photography trade show and convention that has been running for more than two decades now. This year, the event runs from January 30 to February 4, 2014 at the Glorietta Mall in Makati (hopefully, it would be held in the new area where Glorietta 2 was re-opened). The theme for this year's PWAsia is "Postcard Perfect Philippines". It kinda reminded me of some postcards I used to collect as I got fascinated with the place where the shot was taken. 

I'm looking forward to take photos like these again. ^_^

While the trade show will be sponsored by major camera brands and other photography gear suppliers, the photographers convention (registration fee is required here) will be held at The Asian Institute of Management which master photographers will be sharing their experience and expertise to the participants. How I wish I could attend that convention but there will always be a next time. XD

Anyway, here is the schedule for this year's Photoworld Asia 2014 and the respective keynote speakers. I hope you'd be able to visit the trade fair and join the convention too. 

The speakers for this year's convention

Calendar of events

I hope I could attend the trade fair just for a day to window-shop for some photography gear for upgrade within this year. XD

Swabeng Thoughts: Adding Financial IQ to my arsenal

Since early last year, I got interested with anything that has to do with savings, investment and anything that has to do with money. This was due to the fact that where I work right now gave me more than enough to save first for my daughter's expenses for the next 2-5 years.

Then it dawned on me? Why I did take this seriously only now? Why not ten years ago or 15 years ago or even earlier when I was still single. Even my dad taught me on how to save money in a bank even before highschool, yet I was on and off with having a savings account in banks.

The only reason I could possibly think of is because the amount of money I earn way back was not enough (in my standards) for me to allocate some savings. Also, I was in a stage where I wanted to enjoy more and make sure I have done that before settling down.

Although I was able to save several times, I have only end up to spend it until the last centavo. I did this so many times that I thought I won't be able to recover financially. Good thing I did recover and I was able to start saving up (seriously) last year. 

When I got married to a Manilena (with an Ilocano Heritage), I had to make some little adjustments on saving as she kept reminding me to be thrifty and save. Although we had a joint account that we opened even before we got married, it was my wife who kept us afloat even there was a time that I didn't have a job and a daughter to raise for a few months. 

Well, I'm not yet a Financial Genius nor an Expert but I'm starting to learn the ropes and hopefully, gain more than enough knowledge for me to grow old and happy and I'll make sure to pass on what I'll be learning to my daughter. 

Swabeng Event: Feast of the Black Nazarene

Well for those who have little or no knowledge about today's event, here is an infographic from Inquirer's webpage. 

Its been a long while since the last time I've joined the Feast of the Black Nazarene with a curious mind. Though I'll be missing it again for the 4th straight year since the first time I've attended, I am with all the other devotees who will be attending today. I wonder where is the Black Nazarene right now? 

Infographic from FHM.com.ph

When I went there a few years back, I've seen different types of people aside from the devotees. Young and old were there as well as some fanatics too. While most went there barefooted (as a sign of sacrifice and penitence), I made sure I had mine covered for safety.

And while others criticize the event as a possible starting point of stampede or other chaotic events (Some may never understand). It is their Faith that brought millions of our fellowmen towards it knowing that their prayers will be answered (and they were as I've asked a few before). It didn't matter how many people (by the millions) would attend, what matters is they were there celebrating with others. It didn't also matter to them if they get injured or not, what matters is that they make sure their fellow devotee is okay. 

I miss taking this kinds of pictures. 

In my experience, all of them were helpful especially to photographers. They would let us climb up rooftops of waiting sheds to make sure we got a good view of everybody. Though my camera was not cooperating with me then, I was able to take some decent shots and posted them here 

I do envy students as well as those who work in Manila as Mayor Joseph Estrada issued a suspension order of all classes in all levels in Metro Manila plus some of the Government offices declared the same. 

Anyway, here is the route for today's procession. There were some changes as it will pass now Jones Bridge instead of the usual Mc Arthur Bridge due to safety issues 

Taken from Google

Traffic re-routing scheme has been posted on this link. But here is the text of it.

1. All vehicles coming from northern part of Manila intending to utilize the stretch of Bonifacio Drive (for Port Area offices) or right to A. Soriano to Magallanes Drive, right to P. Burgos, go straight to Lagusnilad to Taft Ave.

2. All vehicles coming from Taft Avenue northbound shall turn right at A. Villegas (Arroceros), right at Quezon Bridge to point of destination.

3. All vehicles coming from southern part of Manila intending to utilize the northbound of Roxas Blvd. from T. M. Kalaw to P. Burgos shall turn right to T.M. Kalaw to point of destination.

4. All vehicles coming from Quezon City using the stretch of Espana shall turn right P. Campa, left Andalucia, right Fuguso, left T. Mapua to point of destination.

5. All PUJ’s/light vehicles coming from Espana intending to proceed to South Pier Zone take the usual route using Quezon Bridge.

6. All vehicles coming from Divisoria intending to utilize the stretch of C. Recto Avenue shall turn left to T. Alonzo, right at Furguso, right at Andalucia to point of destination.

7. All vehicles coming from Legarda shall turn right Recto or left Mendiola to point of destination.

8. All heavy vehicles/cargo trucks coming from the south shall take Pres. Osmena, right Pres. Quirino to Nagtahan via A.H. Lacson to Capulong (vice-versa).

Wherever you are, stay safe.

Swabeng Thoughts: Getting Premium with SSS and Philhealth

Only a couple days more before I could get my first paycheck for 2014. I'm looking forward to a bigger pay since I reported on all holidays during the Christmas season plus my unused sick leaves for the past year XD. 

Now the not so good news part is that starting this year (this month), SSS and Philhealth will be raising their respective member contributions. While I'm still trying to recall how much my monthly contribution is for both (I guess I'm at the maximum XD), here are the new contribution tables for both SSS and Philhealth.

SSS Contributions starting 2014

Philhealth Contributions starting 2014

While our government explained the rational for the increase, most of us do not agree. I don't mind the increase as long as I'd be able to reap the benefits in the future as well as my fellow contributors, I'm good with that. 

I would also keep an eye on any update with these two institutions as I contribute for my future and when I retire (hopefully as early as I can), I hope I could enjoy the rest of my life with some money to spend.

Swabeng Thoughts: 2014 Holidays, should I work or should I go

This is one of the topics I've read before in various blogs. Most of them have already planned their out-of town trips with (for travel bloggers) and others have plans of doing staycations. My swabeng thoughts on this? Just read below.

Some would prefer to stay home and spend time with their love ones as much as they could. As a dad, I prefer this over going out-of-town (for now). However, working in an IT environment would be a different case. My wife has accepted the fact that I'm required to report whenever necessary.

I belong to a group that requires us (as a group) to man the operations on a 24/7/365 basis. It means that there should be at least one of us (whoever is scheduled for the day) should be visible just in case someone needs our assistance. It also means that if we're scheduled to work on a holiday, we should be there or else, we'll get deducted (no work no pay) unless we use our leave credits.

Here is the list of National Holidays for 2014. Be sure to plan accordingly and use them wisely.

Taken from The Manila Bulletin Facebook Page.

I'm looking forward to work on holidays, get extra pay (YEHEY!!!) and save-up for the future. ^_^

Swabeng Thoughts: Trying the 52-week money challenge (Swabeng Edition)

Actually, I've seen this challenge as early as last year but I wasn't able to give some thought into at and had my way of saving money for last year. Based from the person who started this idea, all you need to do is save up every week until you complete 52 weeks (equivalent to a year). You can do this every year until you were able to save-up for something that you really want or until you retire. Sounds Good? Wait till you see the results.

This challenge (52 week money saving) is really a great idea to start the year. The good thing here in this challenge is that the money you put in is compounded weekly so imagine how much you would be able to save in a year. Since I started working again last year (2013), I made sure to save up for my daughter's future that I almost forgot saving for myself =P (Well, my daughter's account is my account too until she's of legal age).

Just early tonight, I saw Kuripot Pinay's version of the 52-week money challenge. She has a point that there is no reason for us NOT to try this challenge and gain a lot from it. The only problem that I see is that not all of us earn the same. That means I'd add some variations to this challenge that suits almost all income brackets (I'm sure she's thinking of ways for this).

Here are some of the ways I've think of (versions) for the 52 week money challenge.  

1. Kuripot Pinay's Version: In this version, increments of 50 pesos must be added on the succeeding week until you'd be able to save 2600 on the 52nd week (and 68900 over-all). That's a good amount of money which allows you to buy the things that you really want or put it in investment (or savings). However, you must be prepared for the 2nd half of the year as the amount you need to put in is a bit high (1350 pesos on week 27 onwards). Given that you really save and do minimize unnecessary expenses (plus making ways to earn extra), I'm sure you'll be fine. This bracket would be for me definitely. 

2. The Student Version: Since you'd still be dependent on you parents (or legal guardian), I set the increment to as low as 5 pesos per week. Even workers earning minimum (or below minimum) can start here. This version puts everyone (almost) a chance to save-up. 

3. The 10-peso Version: This one also covers students and low-income earners as its slightly higher than the Student Version. Looking at the the table below, I believe this is also doable and everyone should give it a try. ^_^

4. The Manager's Version: Or should I say I'd call this The Insane Version. This version is ideal for managers (I think) or those with lots of money to save while still contemplating whether or not they should start playing with the stock market. Businessmen can try this as long as their income stream won't be affected (Good Luck!)

I still have a table for 20-peso, 30-peso and 40-peso increments but I'll reserve it for now just in case ^_^. I'm sure the four options given are more than helpful for you to start.

And after 52 weeks, you already have the desired amount that you have been saving-up for the entire year. Its up to you on what you wanted to do with it. You may want to spend it on the dream gadget you've been eyeing for the entire year. Or a long vacation trip to recharge your body and mind and soul, knowing that you've been working long and hard for the entire year. Or better yet, you could do some readings on investing the stock market and put it there.  

Whatever you choose, it's your money and you deserve to do anything with it. ^_^