Category Archives: Self Improvement

FHM Philippines bares Top 10 Filipina in FHM 100 World’s Sexiest Women of 2013

FHM Magazine known to be top in adult reading material in the Philippine had just bared their unofficial list of Top 10 Filipina World sexiest Women for the year 2013.  These women include Marian Rivera  who is in Number 1 place in has been dominating the top position for the past weeks.  Others are:

  • Sam Pinto in Number 2
  • Angel Locsin in Number 3
  • Solenn Heusaff in Number 4
  • Jennylyn Mercado in Number 5
  • Anne Curtis in Number 6
  • Cristine Reyes in Number 7
  • Heart Evangelista in Number 8
  • Ellen Adarna in Number 9
  • Empress Schuck in Number 10.

This partial result becomes eye-catching for FHM readers and for sure this will be followed by most readers until the final result goes out.  To those mentioned candidates, goodluck Ladies! 🙂

Best Travel Practices: Will you Fly or Roll?

flying or rolling travel hoteles

As traveling is not a new thing to me, I came to many experiences that made me learned and understand the beauty and the ugliness of traveling.  Since 1990s, I have been into different places; rolled or flew in any way I would decide.  I actually consider myself a jetsetter as I made many number of flying using different airlines.  I have also traveled a lot in road thus made me a route savvy cruiser; means that I can easily make a plan which road to use when I wanted to go into cruising a long drive.

But what is it really taken into consideration in order to decide whether to fly or roll the wheels?  The answer for experienced travelers would be simple. Go on and read and read my tips.

Flying will lessen the time you need to travel but will not be too exciting more than the taking-off and landing.  Believe me you will just see the airport, the skies, and your co-passengers all the while when you ride a commercial airline.  Flying is a less tiring but a boring journey.  Money matter is also another consideration as at times it can save you some money for airfare but will cost you more cost on taxis or transfers.

Flying can make your travel fast, delayed, or your flight for the day may be cancelled for one reason or another.  Cancelled flights can also result to another problem if you have flight connections for another carrier in order to get you into your final destination.  When your flight is cancelled, you may be obliged to arrange a hotel for yourself as there are times that some medium-scale airlines do not answer for accommodation you can use to stay overnight in order to wait for your replacement flight schedule the next day.  This kind of situation mostly happens when you make domestic flights.

Another inconvenience of flying is when your luggage got offloaded or misrouted; you shall not be able to have access to your important wardrobes or other accessories until sometime and the impact could become worst if it takes a couple of days before you can have your luggage from the airline.

So what about rolling?  Of course if you are just into a domestic travel, rolling would be an alternative.  I will not lie that cruising is my first choice only if I have the liberty of time.  While rolling takes longer for you to reach your destination if you are traveling a few hundred or a thousand kilometers, it provides you the opportunity to enjoy the scenery.  It may take days for a thousand or more kilometer cruise but you can always take a break any time you wish.  Resting will not be a problem if you need to stay in a place for an overnight since you can always choose any travelers-inn or a quality hotel accommodation along the way.  Like any common travel plan, money is always a consideration.  Be prepared to fund your cruise and ensure that you have the money in your pocket.  When you roll, you have all the freedom to stay or hop into scenic places, historical landmarks and the food specialty in each region.

Make sure that your vehicle is in top condition before starting to roll as there might be instances that you will be cruising in isolated places where you cannot buy parts or a shop.

I have also provided some tips on road travel in one of my articles which allows you to take note what important things you should prepare when taking a long cruise journey.

So whether you are flying or rolling, all it needs to take is to be practical while not compromising the fun in your journey.  🙂

#FlyOrRoll

When There is a Need for Fund, There is Always the Loan Sharks

pinoy loan shark

Need a Loan Shark from somewhere in the Philippines?  Many people who are in business or simply needs an additional fund that they can use to bridge finances consider this facility to fill their financial gap.

WARNING:  LOAN SHARKS CAN CRIPPLE YOUR FINANCES.

Loan Sharks can be represented by an individual or an institution.  For those who are interested or considering this sort of facility and have not met or made business to anyone of these Loan Sharks, you should ask your friends or business contacts if they knew anyone as Loan Sharks mostly entertain borrowers only by means of referral.  Otherwise, you must be in a very stable and highly profitable business before they can consider lending their capital to you.

In the Philippines, Loan Sharks offers an interest rate ranging between 5% – 9% per month of the total amount you have borrowed.

While borrowing from Loan Shark may seems to be a lot faster than going to commercial banks, you should be able to convince them that you are able to repay the money you are borrowing.  Providing them some proof of business existence and documentation is mostly required.  Most of the case that if you are a first time borrower that they will ask for copies of your financial documents such as Audited Financial Statements and Bank Account information and Statement of Account.

If they see that you can be a credible borrower, they will facilitate the release of your requested loan in exchange of signing a loan agreement with them backed by post-dated checks equivalent to the full amount of your loan.  There are a couple of means a Loan Shark operates and I will discuss it in my Loan Shark Lending Facility article.

Loan Sharks in the Philippines normally takes advance interest from the proceeds so you should be able to expect this deduction from the amount that you really need where you intend to use this fund.

Best Practices In Choosing a Career After High School

career choice best practice for high school graduate

There are best practices when a graduating high school student choose his next path.

If you, your children or sibling is on their way to high school graduation, it is a best practice to start planning ahead how they are going to go further.  An early plan gives you clear direction and it can bring you a lot of benefit.

It is important however to start first in finding out if you are definite that you will be a part of the graduating class.  It may sound funny.  But if you wanted to be confident that you will walk into the graduation rights, I would suggest that you spend your studying time properly.

When you are the person graduating high school, what would you need?  Here is how you should to it;

  • You will have to prepare the following:
  1. A working Pen
  2. A paper
  3. Other possible references such as a school prospectus
  • Decide whether you wanted to pursue your studies on the next level, take technical or vocational course, or gain your experience in the field.
  • If you are taking your studies to the next level,  check your financial ability to support your studies.
  • Make an specific list of your abilities and interest together with which you think you liked most and where you think you are doing well.
  • Determine what career fields are available corresponding each interest you have listed.
  • Ensure that you consider the length of time you need to spend while studying such field.
  • Then go through your interest list and highlight the field interest that you think does not match your ideal length of time to be in classes.  Again, in making this de-listing, you will have to acknowledge the amount of money required to support your studies.
  • When you have made your field interest list short, make more research of the possible careers for each field interest left in your list.  If your field interest is falling under Laws, then look into what possibilities of professional career is waiting for those people who have completed this studies.  Find out what is the most appealing interest to those what you have listed.
  • Talk with professionals and other people who have completed the said course.  Find out why they have chosen the said career, what are their expectations, and what have they found out when they completed the studies.  Look into how well they are doing with their current profession and look into what other jobs entails to that career.
  • Use all the information you have gathered in making a good decision.

The most important in a person’s career path is attitude.  Remember that the success or failure of one person is not the same as another.  Our personal attitude plays a GREAT ROLE in our future success.

Do you have what it takes to make money online?

successful online marketing money maker

What would it take for you to make money online?

Many have heard about success stories.  Many became millionaires. And upon hearing these stories, many people out-rightly jumps into it.  Its like a gold rush fever.  Each one wants to have their fair share of the digs and find in the internet.

Are you one of them?  Are you making your way to get your fair share?  Do you think you have what it takes to succeed?

The truth is, successful people does not think just like an average person.  Millionaires have learned to survive and they have used what they have learned.  Not everybody can be successful nor can become a millionaire one day.  It takes something.  Its not some sort of secret and truly most people have it in themselves but many have not tried to use it well.

Then what is it needed to take to make money online?  Continue reading and you will find out.

So here is the Little Boy, your Character.

Your character plays a big role in being successful in life.  Having laid-back attitude will not make you a winner.  Being impatient will bring you down and make you feel bored.

If you wanted to make money online, you should treat it in a fair manner just like you are employed by another.  Working on your own is not a magic wand that when you wave will bring you sort of fortune.  No, it does not work that way.  As said ahead, just like you are working for someone else, you need to wake up at the right time so you can start working.  Set your own working parameters.  If you are comfortable working between 8am to 5pm, then practice it just like no ordinary working habit.

Make plans.  Plan what you need to do.  Then make sure that you follow what you have planned.  Make sure that what you have planned for the day happens.  If time is not enough and you have missed one activity included in your plan, then include your backlog as priority for the next day working activity.

Improve yourself.  Never hinder yourself with something you do not know or know less.  Make your own research.  Look for more information in the internet.  Educate yourself from experience of other people.

Make connections.  Connecting with other people who have longer experience in making money online is one way to get a good information.  Start with forums and social media like Twitter and Facebook.  Be friendly and establish good reputation with them.  One way or another, you will know someone who really know something and who is willing to help  and share information.

Be creative.  You have in you the trait of being a natural artist.  Bring it out and use it.  It can help you in a lot of way.

Share your talent.  Make people aware of what you know.  Then it could make you one day a good Guru for them which can make you a millionaire.

Think.  Never forget to use your intelligence to make new experiments online.  You would not know if one day you can bring out something new to the world just like those people behind the creations of many software or even Facebook.

Be helpful.  Its a way of making new connections and meeting new people who one day may be able to help you around to be successful in making money online or with one of your projects.

Now here comes the Fat Man,  your Perseverance.  Perseverance to achieve something is a part of the other.  Even you have those good character qualities mentioned ahead but failed to become an achiever, then you will not be able to succeed in your online quest; and even in your offline world.

Making money online is a myth for many because many have failed.  But the truth is it is all about you being an individual.

If you have read this, then I am sure you will have a new direction in life and will be more successful.

I would appreciate if you leave a comment below. 🙂  Cheers!