Fatherless on Fathers’ Day

Today is fathers’ day. Before anything else, let me greet all fathers out there a Happy Fathers’ Day. I know your children are honored to have you as their father in their lives and wouldn’t trade you for anyone else. May you continue to be the best father that you ought to be to your children.

Like I said, today is fathers’ day. It used to be a fun occasion for me, except for two years now, it has become a bittersweet day for two reasons. 1) My Dad already passed away and 2) my son doesn’t have one. So, today, my son and I will both be fatherless.

I miss my Dad so much, you know. His jokes sometimes can be corny but hey, my old man can make us all laugh. I would love to have one full day spent with him talking and listening to his advice. I would really want to hear his thoughts about some of the things that I would need his advice on and be reassured that somehow, I am doing the right thing in all aspects in my life. Sometimes I think back and regret all those missed opportunities to have a real talk with him when he was still alive. I should have spent a lot more time with him than trying to prioritize mundane things that would not be able to contribute anything in my life. But then I guess I have to move on from the guilt and regret and just remember all those things that he taught me.

I know a few single moms out there as well who has this same dilemma. Their kids are being asked to write a letter/make a card for their fathers this fathers’ day and those kids become clueless on what to do because they don’t have Dads to speak of. And while I have already accepted the fact that my son will grow up with only one parent, I haven’t really given fathers’ day much thought. Will my son go through the same dilemma when he grows older? Thinking about it is quite heartbreaking. How do you explain to young children that they do not have a father? How do you explain it in such a way that they wouldn’t feel that they are rejected by one parent? It is a very hard situation to be in and, to be honest, I am not yet ready for that time to come when my son starts asking.

Future conversation running in my head right now:

Z: Mum, do I have a Dad?

Me: No, sweetheart, you don’t have one. 

Z: Why? (typical question of a preschooler, the first of all the whys)

Me: He’s not your father, he was the sperm donor

*Toinks*

That doesn’t sound like a good explanation, does it? LOL.

Going back to being serious. Fathers really do play a big part in the upbringing of kids, especially these times. I was lucky and blessed to have grown up with both parents. However, I do feel guilty for not being able to provide my son the same thing that I was able to experience. I hope that one day, my son will get to know someone whom he can look up to just as he would have had to a father.

Anyway, I was scanning my Facebook newsfeed and came across this animated video. Fathers of children with special needs would be able to relate to this. This really made me tear up.

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Father’s Days

And with that, I leave you with a couple of quotes I shared in my Facebook wall:

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Go hug your old man, greet him and treat him either for lunch or dinner or even just have coffee. Talk to your old man and tell him your thoughts. Listen to what he has to say. And cherish your time together. Because you don’t know when those moments will be gone.

Manila Workshops and Sun Life’s Wealth and Health Expo

In today’s fast paced world of living, we tend to spend too much and live to little. Everyone’s too stressed and are buried in debt. It’s about time to change that mindset. We need to start finding the balance between living healthy and wealthy at the same time.  Be #Fit2LiveFree

Sun Life, in partnership with Manila Workshops, brings Wealth and Health Expo to be held on June 20, SMX Convention Center Manila Function Room 4. Celebrity speakers, entrepreneurs and bloggers will be there to share their insights and inspire attendees.

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Two sessions are available:

AM session is for young couples with the following guest speakers for Family and Money segment:

– Jaymie Pizarro – The Bull Runner
– Rose Fausto – FQ Mom, Author and Columnist
– Edric Mendoza – ANC on the Money, Lead Host

PM session are for the millennials (and the young at hearts, if I may add). Guest speakers include:

– Randell Tiongson
– Anton Diaz – Founder, ourawesomeplanet.com
– Matteo Guidicelli – Triathlete

Apart from these speakers, Rikka Redrico, a bloggger and Workshop Director for http://manilaworkshops.com will be part of the program and will be briefing hundred of attendees on how to create a vision board.  People will be creating a vision boards when they go home and for those who share it, Sun Life will choose winner of a huge and special prize.

Admission is Free. Register at Brighterlife.com.ph

Press Release: Lazada Philippines Celebrates #BeingFilipino This June 9-14

MANILA, PHILIPPINES – Lazada, the Philippines’ One-Stop Shopping and Selling Destination is again pulling all the stops this June 9-14 to celebrate the Philippine Independence Day with a slew of deals and offers to everyone – tagged as the SALE-bration of the month, Lazada Philippines packed its Independence Day Sale Event with flash sales, product launches, and crazy discounts – as a sign of being one with the community in being Filipino.

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Last June 5, Lazada Philippines together with its Marketing Chief Florian Holm went all-out Pino and kicked off the Independence Day Sale event by offering free jeepney rides to the morning commuters around Makati. Donned in the traditional Filipino barong, Holm welcomed all unassuming passengers and showed them how effortless and risk-free it is to shop in Lazada via its Mobile app. The morning was filled with surprises and fun as lucky passengers were able to purchase a surprise item for only Php 1.00 free of shipping fee – one sign that shopping is indeed effortless and risk-free with Lazada via the Lazada Mobile App.

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So just in case you are wondering, here are the things to look forward to for the upcoming Independence Day Sale from June 9-14:

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Head on to Lazada and shop away. :)

 

All About Z…

I have been going through Z’s photos that I’ve posted in Facebook and the photos that I was able to recover and I couldn’t just help but think every single time that time has been going by so fast. It only seems like yesterday (or probably a week ago, if you may) when I was rubbing my swollen tummy trying to wake him up so I could feel him kick and let me know that he’s listening to my babbles.

In what seems like a blink of an eye, my swollen, very pregnant tummy became flat once again, and my little big baby is now turning 2 in about three months. I could still remember the first time that I was able to hold him and breastfeed him. It was as if everybody in the room vanished and it was just the two of us bonding in our very own little world.

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It’s still fresh in my memory those times when we had to visit doctors upon doctors upon doctors to ensure that my little boy’s health is A-OK and I could still remember those times that I’ve cried buckets of tears because of all the wrong things I thought I’ve done to cause my son such misery during his first weeks and months of life.

the time when he almost crawled during his first week of life

the time when he almost crawled during his first week of life

2nd confinement. out of tube feeding and start of bottle feeding

2nd confinement. out of tube feeding and start of bottle feeding

I can still remember the first time that I woke up beside my baby at home and I just couldn’t stop gazing at him, wondering how I was blessed with such a beautiful baby boy. He was so precious that I didn’t think I deserved him and yet I was chosen to be his Mom and with just that fact, I was humbled. I still remember those times when I try to keep myself awake just to watch my son’s face, hoping that he will show a glimpse of his elusive smiles.

It was as if it was just last night when I let him sleep cuddled on my chest, stroking his head and back in a soothing manner, hoping that he will know that I will always be there to comfort him.

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It seems like it was just yesterday when he started to babble himself, trying out different sounds, familiarizing himself with his own voice. It is still fresh in my memories all those firsts that I was able to witness. The first time he attempted to roll over on the bed, the first time he was able to completely roll over, the first antics he learned, the first laugh.

A lot of those firsts were never captured in a photo but they will forever be in my memories and deeply embedded in my heart.

For the past 21 months, I have been juggling my schedules to ensure that I get to spend as much time as possible with my son and try to make memories with him within the allotted short period of time that we get to spend together. It has been a struggle but looking back, if I have to do it all over again, I wouldn’t change a thing. Well, probably a thing or two here and there but in general, if I have to go through hell and back again for my son, I will go through it. As long as I know that my son will be happy and well, there is nothing that I wouldn’t do to ensure that.

Being a first time mom to a special needs son has a lot of challenges but I am so grateful to have been chosen to become the mom of this little big boy I call my son. He has brought so much joy in my life and regardless of his diagnosis, he is in no way too much different from any other typical toddler his age. He is well on his way to the road of discovery and learning and even if he may take his time doing it, I know that he will learn a whole lot more that what I could imagine and he will be teaching a whole more to all the people around him.

Little Z is more than special. He is the love of my life, my heart and my soul. And I do know that I have a lot of shortcomings in the motherhood department, I hope that one day, he will see me as the greatest mom he could ever have. Someone he could be proud of.

 

To my  Little Z:

I may not have seen a lot more of your firsts but always know that I am so proud of you. You have taught me a lot of things ever since you arrived in my life. You have made my life fuller and I always, always look forward to the days that I get to spend with you. You are growing up so fast and I am having a hard time trying to keep up with all your milestones but always know that I am cheering for you even if I am miles away from you on most days. You are always on my mind and you are now the sole inspiration that keeps me pushing myself to work harder to ensure that you will have a brighter future. You are the inspiration that keeps me pushing myself to become better in all things.

Above all, sweetheart, I love you with all of my heart and I will never, ever trade you for anything or anyone else in this world. I will forever be your number 1 fan so always expect that I will be on the sidelines cheering you on.

Don’t grow up so fast, though, baby love. I think I am not yet that ready. :)

Mommy loves you so much. Always remember that.

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Manila Workshops: Managing Family Budget and Income

Managing finances and budgeting my income has always been a struggle for me. I am an impulsive buyer when the mood strikes, especially when I think I have the funds for it. Most of the time, I end up spending way more that the allotted amount. I have always shrugged it off though, thinking that I could make up for it on the next pay day.

However, when I had my son, I realized that I have not really prepared for him financially. I was having the same line of thought – that I can always make up for it on the next pay day. Having a kid – or starting a family even, for that matter – is not a walk in the park. Not financially, anyway. You always need to be prepared.

Most couples and young families nowadays are struggling in managing their finances to the point that it even becomes an issue. Money issues is a very common problem between husband and wife. Reason for this is because, neither are financially equipped in handling finances for the family.

Manila Workshops, in partnership with Best for Families and Insular Life, present Managing Family Income and Budget, a finance workshop for couples who would like to know more about balancing family income and planning for the future. family-budget-poster-copy2-724x1024 Event Details:

Date:    May 30, 2015
Time:    1PM – 5PM
Venue: Best for Families Headquarters, #29 1st Street, New Manila, Quezon City

Learning Fee:

Regular Rate:   Php800
Couple Rate:    Php1200

Please use referral code ZALAMFBI_1 when you register.

About the Speaker:

CELSO CARLOS L. MAGCALAS

  • A graduate of Business and Economics from De La Salle University majors in Marketing and Advertising
  • A recipient of Certificate of Diploma from the University of the Philippines major in Physical Education.
  • Took his MBA at the Philippine School of Business Administration
  • A former faculty member of the Miriam College Foundation in Quezon City
  • In 1997, joined the Couples for Christ Global Mission Foundation as a full-time Pastoral Worker
  • Joined the Insurance and investments industry in 2003
  • Author of the Financial Needs Analysis program used by Insular Life
  • A regular speaker in the Financial Wellness program for the OFWs organized by the OWWA – Overseas Workers Welfare Administration
  • A Registered Financial Planner
  • Regional Head of the Metro North Regional Office of Insular Life

Sign up and register to learn how to handle your finances today.. :)

How To Make Millions In The Stock Market

I have been interested in playing in the stock market for the longest time but for some reason, I could never get the necessary information and the know-how to do it. I started with VULs and mutual funds but somehow, it was not giving me the satisfaction that I was looking for which, I think, only the “big game” would give me. And that is playing in the stock market. Then last month, I got a glimmer of light in still getting a chance to start playing in the big field when I called my Mom last month and she mentioned about a seminar by Bo Sanchez and members of the Truly Rich Club that is being held once a year.

My Mom wanted so much to attend but since the schedule of the seminar coincides with her company’s annual convention, she forward me the email containing the details and encouraged me to attend. I checked the email and tried to register only to find out that the event is full. I thought that was it, one lost opportunity. But a few days after, I received an email stating that they are opening a second session of the seminar on the same day. I immediately registered and paid the fee online. :D

So last Saturday, May 9, I attended the seminar “How To Make Millions In The Stock Market”. It was a 4-hour seminar with three speakers: Bo Sanchez himself; Mayi Lubaton, Financial broker at COL Financial and Edward K. Lee, Chairman and Founder of COL Financial.

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In the span of 4 hours, I have learned a great deal and I would like to share a few with you. :)

From Bo Sanchez:

  • The ultimate purpose of wealth is to love other people.
    • This is akin to the saying, “give a man a fish and you feed him for a day, teach the man to fish and you feed him a lifetime.” We learn how to become wealthy so we can teach others to become wealthy, too. I am really encouraged with Bo’s house helpers as well as his driver. His ultimate goal then was to teach them to invest in the stock market and he is able to help them prosper through investing, he could teach everyone else to do the same. Lo and behold, his 31-year old helper now has about Php 800,000 worth of stocks. Isn’t that amazing? :D I was really inspired by that story, to be honest. I am the same age as his helper and yet I cannot claim that I have the same amount stashed somewhere.
  • 85% lose money in the stock market because they do not know what they are doing
    • It appears that a lot of people are lured to invest in the stock market without really understanding how investing in it works. And with that, instead of earning, they lose the money they invest. Also, most of these people are short term traders, meaning, they want fast return of investment. They sell stocks just because they were told to do so by non-reliable sources or they buy stocks from companies that are not really stable in the market.

Bo shared 4 rules of investing:

Rule 1: Invest small amounts every month for 20 years or more

This small amount is something that you wont use for the next 10-20 years. That would mean that you do not invest your emergency fund. There is a reason why it is called as such. :)

Rule 2: Invest when there’s a crisis

This rule makes the most sense to me when it comes to the stock market. The market crashes, everybody panics, investors immediately sell for fear of losing millions more. But it is true that there is opportunity in the midst of crisis. During a crisis is actually the best time to invest in stocks because the prices drop. For investors, these times are like the “mega midnight sale” of stocks. :D

Rule 3: Invest only in giants

Especially for newbies like me, this is a very important rule to remember. Invest in known companies with good reputation and you will never lose a cent in the long run.

Rule 4: Invest in a lot of giants

Start off with one giant and as you start earning from that one giant, invest in another giant, then another. As they say, never put all your eggs in one basket.

 

One other take away from Bo is this:

  • Earn 100%
  • Give 10%
  • Invest 20%
  • Live on the remaining 70%

 

From Mayi Lubaton: Building Wealth Through Stock Market Investing

Key takeaways:

  • First and best way to start investing is to start saving. Have a reason/s to save and make those reasons personal and specific
    • This one reminded me of The Secret. The Law of Attraction. One thing that stuck to me from that book is to make a visual of what you wanted, imagine it (if it is a car, cut out a photo of the specific car you wanted and imagine yourself driving that very car) and claim it and the universe will find a way to give it to you. Makes sense, right?
  • Your money in the bank is shrinking in value because of inflation.

How do you earn from the stock market?

  • price appreciation
    • as the value of the company increases, the price of the stocks increases as well
  • dividends cash/stock
    • profits distributed by the company to its shareholders

5 Rules to remember when investing:

  • Invest small and slowly.
    • As mentioned above, do not put all your eggs in one basket. Start small in one big giant first. Then after a given time, buy additional shares from that giant.
  • Buy at below prices
    • I am not sure how to get this information if you do not have a broker but it seems that there is such a thing as below price. This pertains to the current price of a stock lot against a pegged price of stock lot. If the current price is lower than the pegged price, then buy the stocks if you have the funds.
  • Stop buying when the prices are above the buy below prices
  • Wait for the stock price to reach the target price. This would pertain to the highest peak price of the stocks. When the stocks reach this level, you may start to sell or wait for further advice from your broker.
  • Re-invest

From Edward K. Lee: Effective Formula for Financial Literacy

Key takeaway from Mr. Lee:

  • Do not plan for your children; plan for yourself. Instead, teach them financial literacy
    • This is for the reason that our children would eventually want different things from what we wanted for them. Encourage them to plan for their own future instead. And in order to help them achieve those plans, we need to teach them to be financially literate.

3 Basic Laws of Money

  1. Save 10-20% of your income.
  2. Invest it.
  3. Reinvest the dividends

One quote that I got from one of Mr. Lee’s slides:

“You should, at minimum, expect stocks to fall at least 10% once a year, 20% once every few years, 30% or more once or twice a decade, and 50% or more once or twice during your lifetime.”

– Motley Fool

There will and it is expected to have certain drops in the stock market but these market crashes are needed to have a higher return. As what one of the slides presented (well, several of them), every time that the stock market hits lowest points, once it bounces back, the trend becomes higher than the peak before it crashed. It only means that with every crash, the market comes back stronger.

 

These are only a few of the things that I have learned during the seminar. The rest I was not able to write down but I have retained it in my head. As what they keep on saying during the seminar, this is the best time to invest. And so I have signed up. Let’s start investing and start earning millions now! :D

 

 

 

 

The Nivea Stock Pile

*Disclaimer: this is an unsponsored post.

I do use Nivea products every now and then. I actually like the brand especially their moisturizing cream and their lip balms. (I’m a sucker for lip balms but I don’t care much about lipsticks).

Nivea had a big sale from May 1 and will end tomorrow (technically today on this side of the world), May 9. I didn’t have plans of purchasing any until my sister texted me if I could buy her lip balms.

My facebook newsfeed was filled with photos of “hoarded” Nivea products and I thought maybe I should buy a few more for the stock pile since 50% discount is already a great steal.

Unfortunately, all the stores I went to already ran out of stocks on their soaps. The plan was only to get lip balms for my Mom and sister but then I got excited with the other items I’ve found. :mrgreen:

Here are my loots:

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For Mom and sis 😁

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For little big bro 😁

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For little Z 😁

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Got a few items for me too 😁

Got 'em all for half the price 😀

Got ’em all for half the price 😀

I was planning to buy their sunscreen lotions for the family including little Z but when I checked the ingredients, it contains parabens. So I opted not to and only chose those that are without it. Oh well.

Suffice it to say that I just spent my allowance for this. :mrgreen: Hopefully other brands will go on big sale like this, too.

I think I will add “hoarding budget” to my budget plan for big sale such as this. :mrgreen: They say this is an annual sale from Nivea. I should prepare for next year then as early as now. :mrgreen: