22 September 2009

Mandatory Insurance Scheme for Filipino Expatriates

Yesterday night I watched the City 7 Channel news a tv channel from U.A.E. I was astonished about the news on the mandatory insurance scheme for Filipino Expatriates in United Arab Emirates.

I guess this news could make a leap of security to all Filipinos working overseas. If the Department of Foreign Affairs and the rest of the Philippine Consular Offices around the globe make this in effect to all the OFW’s regardless of the length of stay in a particular country then we will worry no more.

Financial freedom is what all OFW’s were aiming for; we worked so hard to the point that some works 12 hrs a day and some 18 hours more. Basically we are not robots; our physical body will one day get tired and eventually gave up. If that time comes then we are ready, we are protected by this OFW insurance scheme!

Back in the Philippines, Phil Health, Social Security System and other Pre need plans were all program necessary for all OFW. It’s like saving for the rainy season. We can’t afford to get sick, but if ever that happens we should be ready to shoulder whatever expenses incurred. This is not hoping of getting sick or being morbid. It is having heath security and gaining financial freedom.

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04 September 2009

Your Emotions Affect Your Health

I was reading some relevant information on health and wellness. Most people were worried about their wellbeing. Trying to keep themselves healthy, they took a lot of food supplements, rigid exercises and some on strict diet.

Being emotionally conscious and to the extent of being worried of whatever you think bothers you is not that healthy. Emotions do affect your health. Your body responds to what you think, feel and act. During my college years, I remember my psychology professor said that it is called the power of suggestion they called the mind and body connection

When you are extremely stressed, sad or even happy your body reacts immediately. Your body will tell you that something is not right by developing some physical symptoms such as stomach upset, headache, feeling dizzy, heart beats faster, urgency to urinate, extreme tiredness , trouble sleeping and a lot more.

People who are emotionally healthy are aware of their feelings, thoughts and behaviours. They can control their feeling and balance in order to prevent emotional disruption. However, people with poor emotional health can easily get sick since since their body's defense (immune system) weakens.

How to maintain good emotional health:

Think positive, take life as the way it has full of positive challenges.
Be aware of your feelings and learn how to control them.
Develop positive coping mechanism like deep breathing when in deep stress, and positive relaxation techniques.
Depression is a big emotional and a medical issue, you need to visit your Doctor for counselling and further treatment.
Try to balance your routine with leisure as a punishment and reward system.
Get more strength from family support system.
Live a balanced life- it is important to deal with the negative feelings and try to focus on the positive things in life. A positive outlook can improve your way of life and even boost your health.

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01 September 2009

Phillipine Blog Awards - Mindanao Regional Awards

I would like to support this event for giving merit to Mindanao bloggers specialy the CDO bloggers.

I am hoping I could join the said event when I get home.I don't exactly know the date of the event. I do hope I could be invited as well. I am not sure if I will be recognized as a Mindanao Blogger since I am an OFW per se and always been out of the country for I could only spend my 35 days in CDO every after 2 months of hard work here in the Middle East.

On this page, I will congeratulate in advance the CDO bloggers who will win the award. I am happy to know that we have such a recognition like this for those bloggers in the city.
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31 August 2009

Sa Bukid sa una!

Kay ako nag dako lagi sa Bukidnon. Maski nag antos sa ka pobrehon kay ang mga ginikanan mga pobre man intawon. Ang ako amahan usa ka ordinaryong empleyado sa Del Monte adtong panahona. Matawhay man gyapon ang pag puyo kay layo sa kagubot og puno sa kasadya.

Sa nag tungha pa ako sa Elementarya ngadto sa “high school” , kada buntag mag baklay lang padulong sa eskwelahan, sagubagon ang katugnaw og usahay ang “fog”(di ko kabalo unsay bisaya ani!). Kung mag ulan man, deritso nalang dayon mag hapa hapa sa plaza, pa anod anod sa bug-os nga tubig ulan og mag dula sa barko barko!

Kung mahapon human sa klase kay lagi mga bata pa man wala lain mabuhat kundi mag dula og taksi, tago-tago, luthang, jolen(shomuy), lastiko, Biko-biko, “ chinese garter” tumba lata og uban pa.

Sa una wala pa ang cellphone, PSP, Laptop, og mga uban pang gadgets. Murag 90’s pa ni abot ang computer games. Ako madumduman ang “super Mario brothers pa og ang breek games (tama ban a! murag nalimtan na jud bah!). Naa na telepono pero “analog” kanag biyo biyohon pa ang numero nya dako og bug-at.

Gani sa ang mga programa sa TV sa una mao nag “that’s Entertainment”, GMA Supershow, Julian Talisman, Flor De Luna, Mc Gyver, Knight Rider, mga king kony nga Batman and Robin, Spider Man, Wonder Woman, Hi- Man “ the master of the Universe.” Di pud makalimtan ang Drama mao nag “Helen Bela”, Coney Reyers on Camera, ang pinaka bibo nga “Eat Bulaga! Og uban pa

Ang pinaka sadya sa una adtong tunga tunga sa high school nako kay pag human sa klase kaming mga klasmyte mangadto sa merkado kay mag palit og Banana cue ( saging minantika-an). Dayon didto sa plaza atbang sa simbahan mag tapok kay mag binangkahay og storyang kataw-anan ang uban dala mga binut bot.

Pag kanindot balikon kadtong mga panahona. Pero ang tanan milabay na og igo nalamang sa pag handum sa mga nang labaynf panhon. Siguro ang akong mga kababata sa Bukibnon mao man pud ang ilang ma ingon kung ma hisgotan man ang mga panahon. Pag ka tam-is balikong ang simpleng kinabuhi sa inosenting pag ka bata.
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26 August 2009

Kagay-an Festival

Malipayong pag saulog sa Kagay-an Festival sa Pista sa Cagayan De Oro City


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Camel Encounter

I worked in the desert for 3 years now. I have nothing much to do but to keep up on my work and responsibilities. The main focus of my job is to keep the guys healthy and physically fit at all times. Since we are working in an oil exploration and drilling, each of the guys has no reason to get sick since the rig as a major and powerful structure working 24 hours a day.

Since I have no day off till I get thru with my 70 days duty, I have no special getaway but just roam around the desert oilfield area. To those who don't know, desert was a very special place to some animals. One of which are the Camels. I have been getting amazed by these wonderful animals freely wandering in the vast oilfield in Mukhaizna Oman. I could say that there has been technology in commune with nature. Camels just wander without harm.

Health Safety and Environment as an industry department has been extremely involve in environmental protection and that exploration was been done with a main point of not harming the environment and creatures that lives within.

Camels were actually sort of wild animals wandering in the desert, but they are as tamed as those domesticated animals. These mighty desert animals never harm anyone that comes near them. I remember my former boss usually fed them early morning as they tend to come to the rig by herds. They can smell the food and are not choosey. They like sandwiches, fruits and even crew food leftovers. The main problem is once you feed these animals, they will come to you over and over again. The funniest thing is they knew whose that person feeding them and they will wait for that person in front of the tea room.

Camels got a big hump at their back, it is actually their water storage for them as they journey miles away looking for food. Try to imagine how can they get food and in a dry desert. The answer is Gods grace and blessings…. These amazing animals can find a way!

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25 August 2009

Lechon or Litson

Maski unsa nga matang sa okasyon ang Litson(Lechon) di jud mahitabo nga wala sa lamisa. Ang kumbira pwerte ka aligre kung makita sa mga two nga ang usa ka litson nag hapa sa lamisa. Ma pista, bunyag, kasal, sumad sa adlwang natawhan, mga kalihukan sa gobyerno o sa uban pang organisasyon unang plano sa pag kaon mao ang litson. Murag pamate sa mga nag selebrar nga dili kompleto ang okasyon kung walay litson.

Bisan asa nga lugar sa kalibutan kung may selebrasyon, ang Listson dili gayud mawala. Ang mga OFW (walay labot ang uban nga naa sa Middle east kay ginadili gayud ang baboy) di pud mag pa ulahi kay pwede na maka order or liston maski sa Amerika naa nay ga negosyo didto og litson.
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Inilog Grill: Cagayan De Oro City

Usa sa mga Restaurant na paborito kong kan-an ang Inilog Grill sa Cagayan De Oro City. Simple lang ang lugar pero pasado sa akong panlasa ang ilang mga putahe. Lami gayud labi na kay paborito nako ang mga seafoods.

Ang pinaka da best na menu mao nag Mixed Kinilaw ( shrimps, pusit, og tangigue na isda) lami jud kaayo nga pagka templa. ang usa pa ka putahe mao ang Sinigang Tuna Belly.

ang pina ka da best na akong natilawan mao ang Sizzling Ostrich Steak! superb! jud maski ang unod pare pareha sa Baka pero mas lami-an jud.

ang Inilog Grill sa Dakbayan sa Cagayan De Oro may Duha ka Branch ang usa duol sa Divisoria sa may Chavez street ang usa naman sa may Makahambus street ( di lang jud ko sure sa sakto nga kalye) pero kini atbang sa Kwadra Bar (Videoke Bar.)
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Transportasyon sa Syudad sa Kagay-an

Di nako makalimtan adtong studyante sa ako sa Liceo De Cagayan University, Tungod lagi kay layo man akong gipuy- an permi ko sakay sa mga Jeep byaheng Bugo–Cagayan, Route 1 Kitkai- Carmen. Kung akong ma e kumpara sa panahon karon murag midaghan na gayud ang transportasyong sa CDO. Sa akong pag skwela sa una kami gapamili og tsada nga masakyan, kanang naay sounds nga gabuto buto og kusog mo dagan. Dapat gyud chuy ang masakyan! Pero karon murag nag huot naman ang mga jeep sa karsada sa Cagayan.Pemi na ang traffic labi na sa high way og junction diha sa Gaisano Mall.

Ang kabagho-an nga akong na obserbahan daghan na Toyota Altis nga mga taxi, gamay nalang ang mga karaan nga taxi. Murag asenso na jud and transportasyon sa CDO kay sa unang panahon.

Ang mga jeep de pasahero parte na gayud sa kalamboan sa CDO or maski asa nga lugar mao na kini ang numero unong trasportasyon sa mga yanong lumulopyo.

Sa syudad naa pa gyapon ang mga tricycle. Kadaghanan byahe corrales street og ruta Divisoria. Sa pamasaheng 5 pesos sakto na kaayo sa mga studyante! Kaso lang usa ang tricycle sa mga traffice sa Divisoria og diha pud sa junction high way.

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23 August 2009

Cagayan De Oro City: City of the Golden Friendship

Malipayong Pista sa syudad sa Cagayan De Oro sa bulan sa Agusto pitsa 26-27 2009. Ako mi duyog sa pag saulog sa adlaw ni Senior San Agustin ang patron santo sa dakbayan.

Ang mga dumuduong among masigarbuhong dawaton sa pag bisita og pag duyog sa pag saulog sa kapistahan sa syudad.

Mabuhay ang Cagayan De Oro City! The city of the Golden Friendship.

http://cagayan-de-oro.com http://cagayandeoro.us
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10 August 2009

Pinoy Shopping site. Buy & Sell Philippines

Since I worked overseas and be out in the Philippines for 70 days long, homesickness killing me crazy. I am doing things to get over with this and one of which is passing my time online. I ecountered a Philippine site that is very interesting, a very diverse site that will hooked you up.

If you are interested in business this is be the site for you. If you want to buy brand new or second hand of whatever that is, then you can find it all in this site.
Buy and Sell Philippines : Sulit.com.ph
Sulit.com.ph is a proud Philippines site that will get you things all you need, whatever you need just name it!

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29 July 2009

Oman: My second home.

Sa tatlong Bansang Middle East (Bahrain, Saudi Arabia at Oman) na napuntahan ko ang Oman ang masabi kong pinaka maganda sa lahat. Ewan ko lang sa ibang middle east countries na hindi ko pa napuntahan.

Dati rin akong OFW sa Riyadh Saudi Arabia, 3 years din na paran ilang preso walang kalayaan. Mantakin nyo naman puro hospital at work lang isang routine na walang ka kupas kupas sa loob ng 3 taon. Minsan pag Friday ay mag window shopping sa mall. Kadalasan window shopping lang kasi nga sapat lang ang sweldo pam padala sa pinas pambayad ng naiwang utang. ( kainis yong relatives naming at kapitbahay pa! piahiram ako ng 20k pang baon sa abroad pag datig ng panahon di ko alam may tubo pala! Walang hiya talaga parang 5-6 pa at umabot daw ng 70k ang utang ko! Ayan nag ka karma sila! Buti nga!, kaya pag nag kita kami dedma nalang at ni singko di ako nag pahiram sa kanila. Inggit na lang sila lahat ha ha ha ha.

Balik ako sa Oman, di naman sa bobo ako sa geography noh!, pero dati wala talaga akong alam kong saan ba ang bansang Oman. Maliit lang kaya na bansa at may populasyon mahigit 3milyon. Nung tinawagan ako ng company para e hire, ay naku si Bisdak nalilitow! Saan ba yang Oman!.

Sa tanong kong willing ba daw ako e accept ang offer, mentioned the salary and the rotation! Well! Go agad akoh!... pero sa esep esep ko san ba ang Muscat, Oman? Bwena mano kaya ako! Kasi nga walang ako binayaran maski centavo! Lahat sagot ng employer ko. Sarap nga mg fiilling! He he he as fiil ni bisdak na emfortante position sa company.

Isang lingo lang kaya ako nag hintay dumating na Visa ko at ang ticket!. Haaay super excited ako, kahit di ko alam kung saang bansa ako mag punta pero I followed my instinct. Sa esep esep ko ulit I need a job! I need a job!

Nang dumating na ako sa Oman, ay! Ang saya saya sa daan pa lang ang ganda ganda. Malinis at malapad ang daan may mga bulaklak ibat ibang kulay. He he he he he parang ang sarap ng feeling na dumating na ako sa eka nga matalinghaga na bansa. Di naman sa may mga high rise building at skyscraper dito pero lahat malinis at maayos . Very peaceful country at ang mga tao ay very friendly.

Eto umabot na ako ng tatlong taon dito at every 2months akong umuuwi sa pinas. Kontento naman sa work at sa sweldo. Di naman kalakihan pero sabi nga eh money can’t buy hapinness!. He he he he he

Sige silip lang kayo sa pictures dito, Ito ang Oman, ang pangalawang tahanan ko!

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16 July 2009

8M OFW worldwide

According to the independent survey,OFW already reached to more than 8 Million all over the world. Majority of which were located in Hongkong, Japan, USA, Europe and the Middle East. In Saudi Arabia alone there were 1 Million OFW, 150 thousand in Hongkong and more than a hundred thousand in Dubai.

If we are to consider our monthly dollar remittances in the Philippines,This is more than the GDP of the Philippines, close to 60 Million dollars a month. So far on the record the highest remittances of the OFWs' were last May of this year.

Sana naman ay maalagaan at mailagay sa maayos na proyekto ng gobyerno natin ang mga dolyares na pumpasok sa ating bansa dahil sa sipag at tiyaga nating mga OFW.

Di biro ang malayo sa ating mga minamahal sa buhay. Lahat ay tiniis para lang sila ay mabigyan ng magandang buhay. Sana naman ang pera na maipadala sa kanila ay may sapat na mapuntahan at di lang na punta sa walang kwentang bagay.
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02 July 2009

Flu Virus Pandemic

It's been a week since I arrived here in Philippines for my 5 weeks vacation. Flying with Qatar Airways was not that bad. I like the time schedule and my arrival in the Philippines was so early 2:30pm. Masaya ako at di naman masyadong nag hintay sa connecting flight.

Kaso nga lang ang sumalubong sa akin sa Qatar Int'l. Airport ay mga taong naka masks. Advised na ala na nag wear ng mask dahil sa Qatar nakapasok na rin ang AH1N1 Swine Flu Virus. Ako! Whalaaah! ready to the gyera!.... sympre may dala akong Mask which filters 99.9% bactria and viruses. So scarry pag nakita mo sa real scene na maraming nag suot ng masks.

For general information lang! Swine Flu Virus is highly contagious but less deadly than any other outbreak cases. This virus will only put you down once you are immuno compromised. Ibig sabihin, pag ikaw ay bata, matanda, at taong may sakit na malubha o di kaya ikaw ay may mababang resistensya.

Paano ba maiwasan Ito.

1. Protect your self, even you think you are healthy.
2. Avoid crowded places and if possible wear mask for your own protection.
3. Wash your hands often (ito ang advise ng DOH. or di kaya ugaliing gumamit ng 70%
4. Take Vitamin C, This will increase youy resistance against common infection. 500
to 1000mg a day is ok.
5. Eat a balanced diet para mag karoon ng maraming sustansya sa katawan.
6. Avoid stress. It has been proven that too much stress in your self will put your
health compromised.
7. Be Happy. a positive outlook in life makes your body energy stronger for health

Ayan sa latest update ang Pilipinas ay may kasong 2,000 bilang na at pang pito sa taan ng WHO . Siguro dahil nga din naman sa malamig sa Pilipinas ngayon at palaging umuulan.

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19 June 2009

Preparing Vegetables for your Daily diet:

We already knew the importance of vegetables in our diet. The benefits in our body are incomparable to any other food. However, veggies consumption and its benefits vary depending on how you prepare it. Cooked veggies may have fewer nutrients that our body could take in. Why? Because most minerals and vitamins that were in the vegetables were water soluble and they can easily removed by just soaking fresh veggies in the water. Thorough washing with running water is recommended. This process will remove the dirt, and other chemicals in it but soaking in water will removed the water soluble vitamins.

Ever since, we’ve been cooking vegetables simply because it’s just the way how we’ve been doing it and that we think it’s the best thing to do. We missed the fact that we were just like eating empty shell served in a plate.

Cooking methods significantly reduce the amount of vitamins and minerals except steaming and using microwave. The use of microwave according to study has retained vitamin C after it is cooked, this is because microwave oven does not use water to cook the veggies instead it uses the water molecules inside the veggies to cook it. Therefore water soluble vitamins are not destroyed. Also, cooking the veggies inside the microwave oven is speedy and it does not change the natural color, texture and flavor of the vegetables. Steaming has known that it retain large amount of vitamin but microwave oven has proved its efficiency.

However, you will get a lot more in your veggies if you will eat them raw as in “fresh raw”. Here’s how? Raw vegetables are rich in minerals and vitamins namely vitamin A, D, E, and C, natural sugars, enzymes, and other potent anti oxidant. These are the natural amazing nutritional value that we could get from eating raw vegetables. Veggies are natural laxatives because it has high in fiber that will get rid of the toxins and waste in our body. It has powerful enzymes that will help our body easily digest the food.
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Optimum Health: Health &Wellness

Vegetables for your Daily diet:

Vegetables should always be a part of our diet. Nowadays, due to some external environmental factors people tend to get sick very easily. Illnesses of different type kill human around the world in every second. Diseases were discovered and still awaiting for the new treatment and intervention. How could be we avoid such illness and diseases? What we should know to protect ourselves?

I used to remember when I was a kid that I really hate to eat vegetables. Since we are not rich my mom has nothing to serve on the table for breakfast, lunch and dinner but veggies and rice. These are typical Filipino foods. However, veggies were cooked not the same way as I recently knew.

Vegetables and fruits were recommended to be in our diet 80% for at least 3x a day. It’s none debatable that vegetables consumption can lower our risk and prevent some serious illness and diseases such as cancer, diabetes, high pretension, kidney failure, skin problems and other cardiovascular disorder. In the Philippines, Mallungay leaves were considered as the queen vegetables. Probably due to the fact that it is a dark green in color and has a powerful Vitamin E, Iron and anti oxidant properties. Vegetables were considered a natural laxative, since they contain high fiber it helps to cleanse our body and get rid of toxins and waste.

Bright colored vegetables were more beneficial that the other veggies. They contains more nutrients and vitamins that are power boaster anti oxidant namely Vit. A, D, E, C and other minerals like Potassium, Calcium, Iron, Folate, Phosphorous. This is reason why it protects our body from any degenerative disease and from developing certain cancer. Veggies do have excellent action as a neutralizing agent in our body and has an alkalinizing effect because they will remove the toxins and body waste.
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Optimum Health: OFW Illness free

As I have been reading a lot of alternative treatment issues, I have decided to write an article concerning back to basic treatment.

Hospitalization, Medicines and other laboratory examination were too expensive, those in the average class find it outrageous to catch up their medical bills and it’s considered a “luxury to seek hospital treatment”. Well, it has been said that an ounce of prevention is better than a pound of cure. So we should be very careful in our physical wellbeing.

Some people tend to very health conscious; they took medicine, vitamins and etc. just to be physically fit without a qualified medical practioners advice. You should know that there are certain medicines and vitamins that need prescription and that you should be medically evaluated by your medical practioner first before you are going to take medications or other food supplement.

Well, here is the alternative that you need not to worry. The cost effectiveness and availability is amazing. You don’t have to worry about side effects because there is none. And you know what? You can find this in your Kitchen cabinet.

The Amazing Honey!

It has been studied that honey cures a lot of illness because its enzymes has an antiviral properties. It is a potent anti oxidant and a very good alternative to white sugar. Even diabetics can use these in a certain amount. However, you need to have a fresh or raw honey, because pasteurized honey has removed the necessary enzymes.

•Longevity: Tea with honey when taken ¼ cup, 3 to 4 times a day keeps the skin fresh and soft and arrest old age. Remember steep the hot water first then add the honey on the tea. I would like to recommend using green tea for it has proven greater amount of anti oxidant.
•Skin infections: apply honey mixed with cinnamon powder in all type of skin infections.
•Common colds: in a cup of tea use a teaspoonful of honey with lemon ;( note don’t put honey in boiling water, you will destroy the enzyme its healing property).
•Immune System: daily use of honey strengthens the immune system and protects the body from harmful bacteria and viral attacks.
•Fatigue: According to studies those who took honey are more alert and flexible. Honey also increases the vitality of the body within a week.
•Weight loss: Let me quote this article Cinnamon and Honey Formula:
http:// www.angelfire.com/az/sthurston/honeyandcinnamon.html
This should be prepared at night before going to bed.
•Use 1 part of cinnamon (available in grocery stores in powder form) to 2 parts raw honey. ½ tsp cinnamon to 1 tsp honey is recommended but can use more or less as long as in the ratio of 1:2 so 1 tsp cinnamon to 2 tsp raw honey is ok too as an example.
•Boil 1 cup… that is 8 oz of water.
•Pour water over cinnamon and cover and let it steep for ½ hour…(30minutes)
•Add honey now that it has cooled. Never add honey when it is hot as heat will destroy the enzymes and other nutrients in the raw honey.
•Drink ½ of this directly before going to bed. The other ½ should be covered and refrigerated.
•In the morning drink the other half that you refrigerated… but do not reheat it… drink it cold or at room temp. only.
Do not add anything else to this recipe. No lemon, no lime, no
Vinegar. It is not necessary to drink it more time in a day…. It
is only effective on an empty stomach and primarily at night.

I would like to recommend the site I mentioned above. The site has been very helpful in the quest for wellness in a natural cure & nature’s remedy. Lastly, you should have a regular check up by your family physician, after all Health is wealth.
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Operation sandstorm

Sa Pilipinas asa man ka makakita og balas nanglupad? Wla diba? gawas lang niadtong Mt. Pinatubo nga mibuto kay ang Pampanga morag nahimong disyerto pag kahuman.

Dire sa Disyerto sa Oman, Tungod lagi kay ako man ang magbalantay sa mga trabahante nga nag mina og lana! Sa pinas lahi ang lana, kay lana man sa Lubi! Ha ha ha ha. Matag hapon usahay buntag sayo ang sandstorm murag “twister” mag biyo biyo sa area, usahay mauyog na ang among cabin sa kakusog.

Sa una mora kog lusapan kung mag padulong na ang sandstorm, Murag maguba ang akong dughan sa ka kulba tungod sa ka susog sa sandstorm. Hadlok basig manlupad ang tanan maapil ko. Pareho sa pelikula nga “twister” nga ang mga baka nanglupad pati trailer truck.

Dire ang sandstorm ordinaryo na kaayo. Mura na lang og hangin nga nagdala og balas nga kalit lang mosagpa sa imong dagway dason hungitan ka og abog!

Tan awa ra gud ning pictures og video……

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18 June 2009

Pay Yourself First:

I have read a blog the pinoy-business.com. The topic caught my attention it was pretty interesting. The topic defines personal expenditures that would have a tremendous effect on OFWs’.

The topic was a bit related to Francisco Colayco’s book “Pera mo Palaguin mo! Part II”, I guess, every OFW must secure a copy of this wonderful book. The content of this book was very instrumental on our saving skills and financial knowledge. All were enumerated on how to keep our money maximized and invested in a full return. OFWs’ do grab a copy now; it is a bestseller, a highly recommended book for all of OFWs'.

Sometime last week, I've watched the Oprah TV show with guest named Susan (I forgot her family name), she’s a financial expert. She mentioned the recent financial depression in the states and how to survive in the present turmoil. She advised on “stash your cash” solution.

Here are some of the following suggestions that might be helpful:

1. Pay your self first / stash your cash:

How would you do this? First, determine your net monthly salary and according to Francisco Colayco’s book, approximately 20% should be saved in a bank thru passbook account wherein you can’t easily withdraw your money. This entails a force of a mandatory pay your self first. The other option is if you desire to save a certain reasonable amount from your monthly salary, then stash the cash right away and save it safely, the pay your self money should never be used in any reason, for in the future you will invest it in an earning business. Francisco’s book offer a lot of option and one of which were buying a stock share (I guess you need a financial adviser on this), invest in Equity, Franchising business, bank mutual fund, and or time deposit.

2. Cut your monthly expenses:

In the Oprah show, Susan (a financial expert) advised to cut your monthly expenses in a half! Too difficult isn’t it? But it is a well sounding decision. All you have to do is make a list of all the necessary things you need and cut down the amount you are going to spend, for this you will have enough savings as your emergency fund. The most important is being wise with your expenditures and buy only those that you need most and not that what you want. Wants and need in its sense was entirely different.

3. Choose the life style you want:

Though we are in the midst of financial crisis, we can find ways to enjoy ourselves; all we have to do is choose what kind of life style we want. Francisco Colayco advised that we can indulge in other recreational activities that you don’t have to spend much money. Take for example like gardening, jogging, family picnics, etc.
Well, OFW’s must be serious on this; we don’t want our hard earned money thrown meaningless. We worked hard for it and earned it. The question of why we left our country has a definite reason and one of that reasons is for financial freedom. Now, most of us tend to forget this when we go back home, we tend to be like a king when it comes to spending during vacation, as what they usually call “one day millionaire”. We should be wise in everything and the arrogance of coming home will likely put us in jeopardy. Be frugal and humble when coming home. It’s not a matter of what you have then when you will be meeting your friends and families but it’s your presence and a simple thought of your kindness. Be prudent in what lifestyle you choose.

4. Helping others:

It is a noble attitude to help others, especially to those people who are very dear to us, but we have to take into consideration our financial stability first. We have to make sure that what we give is an extra on our part and we have already secured our financial status. There’s a phrase “it’s better to give than to receive”, but don’t be overwhelmed by this saying. Don’t be afraid to tell your relatives how hard it is to work in a thousand mile away from home. Your hard earned money was a product of your precious flesh and blood. Be true to the people who asked for help and don’t give too much. Help your self first!

The self help tips mentioned above were very challenging. Though, this needs a lot of sacrifice and self determination. But mind you, its pays to be wise in everything for our future survival. The most important thing is save...save... and save in the best way you can, cut your personal expenditures and make your emergency fund viable at all time.

Good luck my fellow OFWs’!

For more tips of personal saving matters and business opportunities please visit this site:

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16 June 2009

Kantang Bisdak

Tungod lagi kay ako permi naa sa gawas sa Pilipinas, ako usahay wala na gyuy nahibal -an hilanbigit sa mga nanghitabo sa nasud. Kung unsa man ang uso ako ulahi ra gayud kaayo. Usa niini ang mga kanta, may bag- o kaming pinoy nga miabot sa kompanya, siya Manilenyo, tubong Tanay Rizal. Tagalog dili kabalo mag binisaya pero ako nakurat kay sa dihang iya gipatingog iyang telepono usa ka bisya nga bersyon sa “low” ang sonata. Pastilan! Pag ka mayo na man diay sa mga bisaya mo mugna og kanta. Maski ang togtog English pero pwede na nila ma buhatan sa binisaya nga bersyon. Haska nakong lipaya. Dali! Ako gilyaon gipa “bluetooth’ .

Pag uli nako miadtong Marso 2009, nangita ko og CD nga mga bisaya na kanta. Makalingaw paminawon ang mga kanta, makahimuot ka kay hasta mga bata edad 8 pataas maayo naman mo sabay sa kanta tanan lyrics memoryado pa!.

Sa mga Banda nga nag mugna og bisayang kanta, nah ala! Padayuna mga dodong! ayaw palupig sa mga tagalong og English nga kanta, kay kanang inoyng gibuhat mao kana ang paghigugma sa atong natawhang pinulungan.

Atong ipabarog ang atong pagka tatak Bisdak ….
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15 June 2009

Palahubog si Boy:

Dili kalikayan ang usa ka OFW kung makauli sa Pilipinas makainum gayud, usahay kontudo tagay! Tungod lagi sa kahinangop sa pamilya, kaila, paryente og mga ka amigo. Sa kahinangop walay laing maidulot kundi inum. Labi na gayod pag Kumpare na ang mo bisita nya taod taod na wala mag kit anay, sus! Pwerteng inum depende nalang sa mulahutay.

Kining akong kauban sa trabaho iyang silingan usa usab ka OFW, gani man pareho sila og kompanyang gi trabahoan. Dili naman unta kahinangop ang mahitabo kay permi man unta makauli. Pag human sa 35 ka adlaw maka uli man gilayon siya. Pero kay tungod lang gyud sa ka hangol sa alak pwerte maka laklak. Sumala pa sa akong amigo, mag binuntagay og inum uban sa iyang mga ka berks, tambay sa kanto dason gulp gulp sa baso. Mao kini ang nahitabo. Ambot lang kaha og wala siya manghinayang sa iyang gigasto kay kuno dako man siya og sweldo. Pero sa halos kada adlaw og inum uban sa iyang mga barkada, ang lawas mo surrender gayud. Ang gidangatan ni Boy! Na hospital kay gi “gastritis”. Maayo gani kay mao ra kini ang iyang gidangatan.

Pero ang gikalainan sa akong amigo, kung si Boy mahubog lahi na ang buhaton, morag mawad an sa iyang buot.Murag batang gamay mokitoy kitoy og kiay! May higayon na ang iyang pag umangkon gihangat ni boy og kwarta para lang daw makipag table sa iya! Makaisa pa mo sayaw lang dayon, morag si silya nga nangita kang basilyo.

Ang pinaka grabe, kadtong panahon na dapat makauli na sya sa ila, wala sya mitunga kay didto mi uban sa usa ka babae og mitipon bale isa ka semana. Ang asawa ni Boy nag budlat nalang ang mata og hinuwat sa asawa pastilan! wala pa mitunga. Pag kahuman sa usa ka semana si Boy mi uli wala man gani nag storya sa asawa kung diin sya napalid sa hangin.

Siguro kadaghanan sa mga OFW, kung mo uli dili gayud mo minor sa gasto. Tungod lagi kuno kay may kwarta man lagi. Pero dapat lang unta timbang timbangon na ang ilang kwarta wala man unta gipamudyot sa dalan, Kini gipatulo an og singot. Unta maka amgo ang sa susama kang boy na dili tanan panahon kalipay lang, muabot ang adlaw na siya matigulang og walay tinigum sa kalye gyapon siya motambay dili mag gulp gulp sa baso kundili mangita og sinsilyo para ika palit pagkaon.

Lisod sayangon ang panahon. Labina ang tanan dire sa kalibutan lumalabay lamang. Dapat tagaan og importansya ang tanan nga masugatan kay ang tanan ato lamang hinulaman.
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Ang kapait may kinutuban…..

Pag kapait sa panahon karon…
Walay kapaingnan ang pag paningkamot.
Maski gibuhat na ang tanan, wala gyapoy katumanan
Ang gusto dili makab-ot….

Lisod tuisun ang kapalaran…
kay sila nag ingon mao na kana ang nakatatak sa palad.
Supak ako niini, Ang pagpaningkamot may bunga gayod!...
Ang kahuyang dili ipasulabi…

Ngano man ang mga kabos ngadto karon mi asinso?
Ngano man ang mag uuma nahimong hasyindero?
Maski ang nagbaligya sa saging minantikaan…
Karon na bwena mano

Kining tanan bunga sa pagpaningkamot.
Katakos sa kaugalingon inubanan sa pagsalig og pag ampo.
Ang tanan mahimong bahandianon…

Mga pagsulay , ayaw tagda kay kini lumalabay lamang.
Kay ang tanang kapait may kinutuban…

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Matinabangon bisan sa panahon sa Krisis!

Dako ang akong kalipay nga may nahimamat akong kapareha ko usa ka OFW. Sa pagkatinuod lang wala na gayud ko mag dahom nga sa panahon karon naa pa diay mga malumo og kasingksaing nga andam mo tabangan sa mga isig ka ingon maski ang tanan nag lisod sa pag pangapkap og salapi. Ang uban kayod kontudo para lang may maipadala sa pamilya sa Pilipinas. Gani kong gusto man mo kaon og lamian pugson nalang ang ginhawaan sa pagkaong baratohon, pangyawat na dako dako ang matigum para maipadala sa pamilya sa pinas. Pag ka bahandianong batasan.

May webpage ako sa http://www.ofwnation.com/ , isip usa ka simpleng OFW, naningkamot para sa kaugmaon pero malumo tawon og kasingkasing og dali ra malukmo kong unsa man ang makita, ugali ang akong luha mabaw ra gayud tawon.

Nag sulat ako og usa ka articulo personal kong paagi para makatabang sa akong klasmayte sa high school karon usa na sa “Doktora” nag serbisyo publiko sa isla sa Mindoro. Tungod lagi kay ang ilang organisasyon usa pa pribado nga nag lihok lamang sa mga donasyon sa mga pribadong indibidwal. Sulod sa walo ka tuig ang iyang pag serbisyo publiko usa ka matang nga mapahiubsanong katungdanan nga talagsaon.

Kinsa kuno ang molangtod og walo ka tuig nga wala may igong sweldo? Lisod palandungon kong kinsa ang modugay nianing matang sa propesyon.

Usa Ka maanyag na OFW na distino sa Taiwan natandog sa akong sulat. Natural na daw matud niya ang motabang sa mga kagkinahanglan sa iyang tabang. Wala man mag duha duha siya gilayon nag padala og ka gamit para sa mga kabos isip usa ka pag suporta sa akong classmate sa pag tabang sa mga nitibong Mangyan sa isla sa Mindoro.

Ako nag pasalamat kay Ms. Joanah of Taiwan. Ang imong pakipaglambigit sa pag tabang sa mga kabos dako uyamot og pulos sa mga kabos natong mga igsoon nga wala gayud silang kapaingan kundi ang mabuhi sa kapit os sa kinabuhi. Hinaut unta nga may mga malumo pa og kasing kasing og suportahan ang kawsa sa mga German- doctors para pagtambal sa mga kabos sa Pilipinas .

Saludo ako sa akong classmate nga si Dra. Fe Nocete kay sulod sa walo ka tuig siya nag pabilin pag tabang sa mga nitibo sa isla mga layo tawon dakpon sa sibilisasyon. Ang inyong katakos pag tabang sa mga kabos walay bahandi nga makatugbang niini.
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