2015 BEST PHOTOS

Every year, I see to it that I post a share of my yearly favourite photos. Be it because of art, experience or milestone. Last year, I had dedicated the entire line up to motherhood. Such milestone is a tick in my bucket list and I thought the delight would stop there.

This year, I had pondered on the greatest influence that happened to my life. When you have a budding family, you become protective and ambitious. And for 2015, I embraced financial freedom. 

Halfway thru the year of 2015, we had studied, researched, gotten involved in an advocacy that had built up beyond expectation. Because of my family, who is my life and my BIGGEST WHY, I got driven and I felt empowered in serving others like never before.

With that being said, I had a paradigm shift in understanding TIME. So many people had just let it pass not knowing that it is the most essential commodity known to work "for" mankind if you discover the skill of handling it well. Time is a huge factor in just about anything, and I mean ANYTHING! Relationships, investments, growth. We always think that we don't have enough of it but actually, we are given that much time that we need and we don't have to be burdened with what has to be finished up. We just need to be at the moment. We just need to live it. And that gives way to these wondrous array of "moments".

JANUARY

"DEVELOPMENT"

This was taken during Brave's first time

to hold her milk bottle. It was before I left for work.

Any form of reward doesn't come as more importantly

as compared to seeing your child's development.

The time that I get to spend with my family, most especially,

my daughter, is more precious above any precious stone,

expensive travel package or an entertainment showcase.

Seeing how she grows up and develops is surprisingly amusing.
And knowing that you are the reason behind it all?
My hands are up, it makes my heart fat.

I actually had a hard time before,
keeping up with my friends who talk about babies nonstop.

Now that I am a mom, I kind of understand why.

It's just surreal that something that came from you, that you had

created is moving, talking, bouncing and giggling!

It's addicting.

I thank God for the time I get to see her grow.

FEBRUARY

"SELFIE"

This is yet again, another moment that cracks me up every time I come across it.

My baby had been fond of seeing herself in the camera since the beginning.

And by 6 months, she expresses herself like no other.

MARCH

"VACATION"

Whenever time permits, take a vacation to replenish your soul.

Another plus to this is when your family is with you along with a good bunch of friends.

Last year, it was a first time for my little one to experience traveling with us.

Destination: MACAU

It doesn't matter where but knowing that they are with me

experiencing a memorable time is something that I'd go back to in a heartbeat if I could.

It was one of the best experiences because I

expected that it would be hard having a 6 month old baby on board.

But she was so cool and from that moment on,

my husband and I knew that she is the same with us

as far as being outgoing is concerned.

APRIL

"CELEBRATION"

This is my husband's birth month. When I asked him of what he wants

for his birthday, he had pointed to our daughter and said, "I got it already."

There was no fancy celebration but we dined out to celebrate my husband

and my daughter's christening over a dim sum breakfast.

With a Catholic name, "Gabrielle", Brave was baptised and was welcomed to the Christian world.

Besides the fact that I am fulfilling God's purpose of having our baby blessed,

as parents, we treasure this time of being able to celebrate with our good and long time friends.

Surprisingly, Brave didn't give us a hard time preparing as early as 7am

and didn't cry as she got startled upon the pouring of the holy water because it was cold.

As the priest had agreed to a last minute scheduling, some godparents weren't able to come.

We needed them to be there for the baptism to happen.

Also, it was a requirement that they are Catholics as well with a purpose

of having enough knowledge to impart if time would ever need them to.

Strict requirements were imposed, it almost didn't happen.

But it was good to be reminded to submit to God's will

and He will make it happen for you. With Him knowing the purest desires of your heart,

He will defy all odds that inhibit you from coming to Him.

As promised, He is the Way, the Truth and the Life.

April last year, God paved the way for Brave,
in God's perfect timing.

MAY

"BACK TO THE FUTURE"

It was a challenge for me to go back to my original size pre-Brave since I gained

50lbs then (ideal is 25-35 lbs. Yes! Condemn me.)

But I was able to at least, fit in the jungle costume by 9 months.

This photo above was taken on May 12, 2015.

(Proof is on FB in case you doubt my calculations.)

The times that I worked out had paid off.

Automatically, a sudden boost of self esteem and that sense of achievement

showered upon me. I am thankful for those efficient times in the gym.

It also made sense to me that as a woman, and as a mom,

if it took you 9 months to gain that much in taking care of a human

being inside of you, it usually takes 9 months to recover too.

So to those who are dealing with stressful weight gain because of pregnancy,

allow your body some time to get used to it and I promise you, once you've attained your goal,

your physical body will cry for that lifestyle of exercise and good diet.

It won't be a bitch anymore 'til then.
Just breath and keep moving forward.
Use your time well.

JUNE

"PARADIGM SHIFT"

This is the picture that started it all.
Together with the founder of COL Financial, Mr. Edward Lee,
we were blessed to have a portal to reaching to those who are in need.

Spearhead mission was given birth right at this very moment.

Spearhead mission aims to lead people into financial freedom out of an advocacy to serve.

This picture was taken when I took a free seminar tackling about investing on stocks.

at the Philippine consulate.

Before that, I had attended the Rich Dad, Poor Dad talk

which was the backbone of my pursuit to making investments.

This was the moment I decided that I want the BEST for my family

in terms of a good life.
Good life meaning, not depending on other people or any form of loan

for whatever emergencies may arise. I heeded becoming financially free.

JULY

"JOLLIBEE"

It was my dream when I was young to own a franchise of Jollibee.

But I've discovered a more affordable way to start owning it.

By being a stockholder, I take advantage of time to earn money from it.

July last year, I started with a little share.

Hopefully, it'd grow fast and strong.

AUGUST

"BRAVE AT 1"

By this time around, Brave is 11KG, can walk independently on her own,

can chew most of the solid foods I know (except peanuts),

loves to sing and was giving out preferences.

I can perceive her mood swings, excitement and longing as she turned one.

It truly was so fast that by this time, I vaguely remember

how I survived sleeping with the "fragile" Brave.

The next time after I was complaining about how demanding it was for my back as I carry her,

as I teach her how to walk up to lifting her up from every bath,

I am upfront a baby saying "no" all of a sudden,

a baby demanding a biscuit in the morning and a singer in the making.

She had grown so fast that she suddenly became not so baby anymore.

That time had passed and I'm blessed with its memories, experience and great stories

to black mail her with. Hahaha!!!!

SEPTEMBER

"CASHFLOW"

There's some letters of appreciation and acknowledgement from establishments
that I wrote about and it was beyond rewarding.
Free movie tickets came in too as an invitation as a critic.
All because of my writing, which had grown from a hobby way back 2006.
But this was the best that came in the mailbox because beyond the fact
that it's unexpected, I didn't know I could work for or even get linked to Google this way.
This saying, "What you do most of your time while procrastinating
should be the exact thing you should be actually doing."
makes sense after all.
I entitled this as "cashflow" to remind people out there
who thought there's no money behind doing your favourite thing.
Well, there is. Just be creative and use your time wisely.

OCTOBER
"BLESSED"

Now that I am rearing my baby, seeing illustrations like this make me cringe.
I am constantly thankful that we eat three times a day but I constantly ask God too.
How come there are people who are in this kind of lifestyle if we are all children of God?
I am not sure what is the exact answer to that. I don't believe in luck.
But being born out of the countries who are involved constantly in war,
or being born from parents who would never make me hold a gun,
or being born in a free country can already be considered lucky.
It is unfair to say I'm blessed and they're not.

This picture is actually one of the main reasons why I am sticking to our advocacy.
It is imperial to learning about financial freedom that we are taught of the ways
on how to fend for ourselves. This is one way to empower a person to be creative
with the tools God had given us. For us to be resourceful because nothing in this
world will be handed to you in a silver spoon.
We need to know how to THRIVE. And that's LIFE.
So if you can extend a helping hand during your free time, why not?

NOVEMBER

I have a tie for this month as God had blessed me in abundance during my birthmonth of November.

"GOOD TIMES"

My beautiful mom surprised me a week before my birthday that she'd be
flying over from America and it was truly an exciting time for me
because it will be her first time to meet my family.
FaceTime had always been there but meeting person to person is a different story.

My husband had gifted me leisure time by booking us Venetian Hotel
so that we ladies, can splurge on its exquisiteness and luxury for a weekend.
I maybe exaggerating because we were just blessed with good timing
since they have the best last minute deals.
(Otherwise, a fortune may have been spent)
but to stress out importance of time, I got to talk and spend time with my mom,
say I love you to her in person, because of the distance between us,
more than I have for the past years (3 to be exact).
She was my birthday package this year.
We had a great time.

"TWICE IN A ROW"

Now this second photo is a privilege that I consider.
It's time with loved ones and friends.
Time that you were able to spend your birthday with people twice in a row.

Year after year.

Life is too short not to appreciate the company you have,
the job you got that others would kill for,
and most especially, the time and ability for you to celebrate it all.
Time, we all know, talks about your presence and all.
But ability usually is taken for granted.
It doesn't require only time for you to give ultimate happiness to your family.
Realistically, you needed money to buy even a simple cake.
Don't get me wrong, I am happy having my mom over,
having my husband and daughter to celebrate with me.
And on top of that, are friends that care and support you, what more can I ask?
You might be whispering to yourself now, that is not enough for her yet?
Well, hear me out.
With that being said, I am thankful that I am able to provide
for what may add up to that sense of being together in terms of
a simple intimate dinner and gathering in the house.
Hence, this photo needed to be included because Angela,
who got me my cake that night, got me when I said giving out a message to all who came,
"Thank you for all for being able to celebrate with me,
twice in a row."

DECEMBER
"PASKONG PINOY"
(Philippine Christmas)

For the first time in so many years, Hong Kong Disneyland
had gifted Filipino workers (with their plus ones) who continuously are
spreading their light, sharing their talents and touching lives with their passion,
with a night of amusement, surprises and Filipino food!!!!
It was an early Christmas celebration.
For most of us who are away from home just to earn a living,
this one night of making us feel at home is much much appreciated.
Filipino entertainers came over, the tables were decorated with
the traditional Christmas lanterns (parol) and Filipino games highlighted the night.

10 years of bringing magic to guests, I am glad that in my own little way
and for the time that I am strong and able, I have been a part of it
More power to you Hong Kong Disneyland!

Related posts:

1. PARADIGM SHIFT - How my concept of time had changed.

2. JOLLIBEE - the fastest growing food chain in the Philippines, can be experienced in Hong Kong!

3. GET INVESTED IN STOCKS FOR A RICHER LIFE - here's why you should invest in stocks.

CAFE 1950

Quite unique from the outside exterior to the inside.

I am almost hopeless in going around Tin Shui Wai to find a different restaurant to dine into. The choices are so limited. Or so I thought. Because today, my daughter and I ran into Cafe 1950. And I thought it was worth a try. Located in Tin Shui, it was just a 10-15 minute walk from where I live, literally behind the building pass the park. And where I walked is totally safe and stroller friendly.

their menu

So as I was checking it out from the outside, they got this huge menu that was so appealing to me because of the serving, the presentation (totally different from the others since some dishes are plated on a wooden chopping board which I find to be the latest culinary trend lately) and most especially, the worth of each dish. As you can see, it ranges from HK$72 up to HK$200. Not bad right?

See how those lights (often can be seen in a green room as spotlights)
match the wall and the rustic ambiance. It seems like they
are the link to how the well decoded walls had got connected to the plain ceiling.

the hues carefully compliment
the interior of the place

I was decided. I went in and was surprised that there was just a couple sitting at the far end corner of the room and us who were there at nearly dinner time. In my mind, that says "it might not be good otherwise, it'll be packed." It didn't stop me from going for it though.

The restaurant's interior was quite rustic and spring-y in style. It looked fresh and laid back to me. It was very tidy, and every decor matches each other giving birth to a breathable atmosphere. The green plants stylised it into becoming unique and welcoming. Everything was simple and the shades used to compliment the bowls, plates, the drawers where the condiments are, were kept subtle. Green, white, teal, beige or nude and rust were hues that you may see in a beach house. Green for any plant, white, for the clouds, teal for the sea and rust and beige for the sand. The electric fans mimicked the blowing winds in a beach house. The high ceiling gave it enough space for a breezy feel.

Sad to say though, I got annoyed as soon as I was stopped to choose where to sit. I wanted to have a feel of their couched booth so, I went for it but they said, "You should make your baby sit on you." And added, "So that you can fold your stroller." So, I asked, "Do you have a baby seat?" They said no so I said, "Oh no, she'll just sit on the stroller then, it's safer." But they disagreed and was pointing me to a tacky area. I asked why I had to stay there because of the stroller and they said, "Because it's in the way." I tried to contain myself but I had just let go of a sarcasm, "By all these people?" There were none. So, they were caught speechless. My buttons were pushed right before I was about to try their food.

Literally, there were no people at that time to complain of my stroller. Anyways, I'm sure it was just lack of understanding on their side. Because I was trying to convince them that it won't take long for me to eat. So I ended up sitting on one of these tables. I initially would like to try that one at the far end but explaining to somebody who doesn't speak English well is hopeless. I didn't want to ruin the excitement I have so I had just conformed.

The menu was well presented. Individual choices come with a choice of soup, rice or noodles and drinks. There are also choices where lunch and dinner sets are available on a cheaper price. I think this depends on what is on season as per ingredient needed.

I was craving for something different yet fulfilling. For a price of HK$72, I got a satisfying grilled chicken on white curry sauce with a cup of steamy rice with cheesy scrambled egg on top. Garnished with some flaky seaweed, it had delivered an unexpected tactile sensation that I've been longing to have for quite a while now. Don't get me wrong, I love home cooked food but there comes a point that you long for something different. Along with my meal came a usual tasting creamy corn soup but with a delightful hot Lemon Tea. I swear this tea was so relish it made me ask if it's from Korea. Because some of their drinks like the lime soda are featured Korean.

as presented

as you open

Grilled Garlic Oyster - HK$1/piece

I also ordered a take out for my husband. Angus beef steak with rice, with a choice of pepper steak (from garlic and/or gravy) and soup. I got him the Korean Lime Soda for a price of HK$134. It didn't take them too long to bring my order and a little over 2 minutes, the water tried his best to speak in English to me in offering grilled garlic oysters for a dollar. Minimum order was 2 pcs. So I ordered for the sake of maximising my dining experience in Cafe 1950. I didn't trust it at first because I was worried that they may be giving out this deal just to finish up an "almost rotten" bunch. But no, I approve along with my husband that it was nicely done. All of their services were on time and was hot enough for perfect consumption. But if it would come a time that by the moment you decide to try this, and there are a lot of people already, you could log on to their wifi and for me this completes my 3 stars out of 5 for this dine-in newbie.

It was taped beside the cutlery box that gives out a very good message for the customers. 

These maybe unnoticeable to some but these are the little things that make this haven a trendy place to visit. I like how minimal it is, how rustic and warm and most of all, modern. Go and try it if you are around Tin Shui Wai. It sits near the Tin Shui Market. Happy Wine and Dine Wednesday!

Related posts:
1. MAMASAN - an Indonesian experience at the heart of Central's blissful city.
2. ALCHEMY - a lovely happy hour with oysters! haven nearby Mamasan, good to visit as you start a night of drinking
3. JOLLIBEE - a very famous fast-food pride of the Philippines also stands in World Wide Plaza, Central

FOOD TRIP

Filipino overseas workers always consider finding authentic Filipino restaurants around here in Hong Kong like finding a gem.  There are just a few. That's why, when they find a good one, words spread out like wild fire. A couple of nights ago, my friend had flown from the Philippines to attend a convention. We took her out for dinner and agreed on Food Trip, in Jordan. It was just my first time to eat there but I would rate it up as 8 because of the air-conditioned extension at the 1st floor across the building of the original location. They had to have that extra space because they're food is so good that their customers are not limited to Filipinos only.

With a hospitable team of servers, it was like eating at home in the Philippines with the vibe of positivity and fun over a good delicious feast. Filipinos are known for their warmth in welcoming guests and visitors and this is practiced in Food Trip. From work, my friends had indeed chosen a great place worth of my money and my time. I didn't have to go to work but I had a fair share of hunger with the rest. I expected and believed that Food Trip would exceed my expectations when I heard their description ... and it certainly did, ... even more.

FOOD TRIP'S LOCATION:

Situated in Shop J, G/F, No.2 Saigon St., Jordan, it may be accessed in several ways. You can order UBER and/or a cab to take you there but the fastest, cheapest and easiest way is the train. From exit B3 of the Jordan station, Food Trip is just but a 5-minute walk. For people who love exploring and who love long walks, it is worth it to put an effort finding it if you're around Mong Kok.

Jordan is known for its Temple street for shopping segue to its street dining experience right after. What Food Trip's edge is that they are able to cater to Filipinos longing of a good authentic Filipino meal. A few restaurants strive in cooking dinuguan, sinigang, and tinola just to be called a Filipino restaurant but the taste is "not quite" the same as in Food Trip. In here, you could tell that the chef got that gift of tongues,... and more. So, with that patriotic touch yet natural talent, Food Trip stays jam packed during weekdays (We went there on a Monday) too. And we had to eat at the room they reserve for big a number of people. Meaning, apart from the small corner pertaining to the picture above, there's an extension across the street that is more comfortable for everybody. So don't worry that you may have to wait a long time to settle. Before you know it, they have a table ready for you.

Halo-halo is an original
Philippine dessert. 

THE FOOD

We had ordered viands to be shared and the garlic rice had made them extra zesty at every bite. One of us had eaten dinner already so she ordered the infamous halo-halo for dessert.

The rest of us couldn't resist the temptation to get Lechong Kawali, Pancit Bihon, Dinuguan, Tinola, Karekare, Inihaw na Pusit, Bicol Express, Lumpiang Shanghai, Crispy Pata and of course, Chicken Pork Adobo. If you're a Filipino, you would understand how meticulous each dish is in terms of taste, ingredients and meat. These are the most sought after in the Philippines for every overseas worker because these are delicacies that are solely owned by Filipinos.

Overall, with each dish good for 2-3 people, the price was worth it! The total was just around 1,500+ and there's 10 of us. That means, it was HK$150 each more or less. Let's just put a range of HK$100-200/person if you are eager to go alone or with a friend. Some are quite familiar of how it goes around Food Trip, so they ordered in advance. By the time we got there, we didn't have to wait so long for the food to come. To do the same, contact the number: 2332-3643 and just let them know that you want to pre-order.

Here are some of the dishes that we have tried:

my order: Pancit Bihon

Tinolang Manok

Crispy Pata with Garlic Rice

AMBIANCE

It is quite common in the Philippines that mini-convenience stores, bakeries and small eateries are put up in street corners. Because of this kind of setup, local people catch up with their gossip while they get to finish their drink or smoke and those who stay in dormitories while finishing college are able to eat a complete meal for a very affordable price. As you can see on the very picture above, Food Trip is set up this way. So that for me, reminds me so much of how it is back in Manila.

With the secluded extension, they designed it with banderitas which signifies festivities in the Philippines and the walls are decorated with paintings of things that you would only see in the Philippines. The Mayon Volcano, the first painting from the left, is one of the majestic tourist spots in Bicol, Philippines. Next is a painting of a jeepney, the most common mode of transportation in Manila and Taal, where a volcano lies inside the mouth of another volcano, is featured with carabaos surrounding the crater, a farmer's best friend in the Philippine provinces that helps in toiling the soil of the plantation.

The music background of the room had brought us back for a couple of hours to our youth with familiar Filipino jams back in the 90's. The toilet was a sanctuary. It was huge and was very homey. Super tidy, you question if it's really for public use.

ACCESSIBILITY

You have to park at your own risk around the area, it's situated in a not so busy street so I think you won't have a problem finding space.

Jordan station is accessible thru the red and green line. So whether you are coming from the Kowloon or Hong Kong or New Territories, it's pretty much the same distance come what may.

Food Trip is open from 6pm to 5am. And in terms of payment, cash and eps (thru Unionpay) can be done. There's a lot of ATM's in the area so if you need it, it's pretty much accessible. Open Rice had set the budget to as low as HK$50/person. This can actually be given justice by their set meals. Lately, they have had a lot of requests to open earlier so they have changed it to Mon-Thursday, 2pm to 5am then Friday-Sunday, 12pm to 5am.

Any updates that may come could be checked out in their own Facebook Account under the name: Foodtrip Bedana's Filipino Restaurant. Just search this one and you'll get hold of the latest about Food Trip!

Kain tayo!

Related posts:

1. JOLLIBEE - Philippine's #1 Fast Food that houses the best crispy fried chicken there is in Hong Kong!!!
2. MESA - a Filipino Modern Cuisine that had spread all over Manila and that is innovative with their food presentation making them worth of a visit
3. SPRING FAIR - a set of ensembles that would perfectly cater to a picnic or any ice cream day, check it out!

FLOI WYCOCO a.k.a. "MR. INVESTOR"

Personal reader for Edward Lee,
CEO and Founder of COLFinancial, Philippines.
It's the best online financial aid for Filipinos wanting to invest on stocks, most especially ofw's
who rarely go home to keep abreast with the Philippine Stock Exchange Index.

A year ago, I had vowed to myself that I would be able to invest regardless if it's a big or small deal. I was fearful of stocks then but I've always been interested. I was contributing to a retirement scheme just because it was one of the company's policies but I have zero knowledge regarding what the allocation of the percentages are for. Moreover, emergency fund, life insurance and compounding interest weren't in my vocabulary. My android phone is more insured than I am because I am more scared with the agent's explanation that went, "If your phone gets damaged, what are you going to do? Buy a new one?". And I feel like I am not bound to breakage at all. My savings were minimal, I relied greatly in the bank for my money's growth and I relied on my company for health care benefits. I had outstanding loans and I always feel drained of my money right before the salary comes in. In short, I was being more than irresponsible in handling my finances for the whole 8 years that I am an overseas foreign worker here in Hong Kong.

with JP Adena, the Founder of the Spearhead Mission
and Josh Antolin, my co-pathfinder at the
Philippine Overseas Labor Office (POLO)
supporting them as they conduct
free financial education sessions.

A year after, I am participating in Spearhead Mission as a pathfinder to fulfill an advocacy for financial literacy. My stock portfolio are all in its gaining year (my money is earning 30% while I sleep). I have allocated percentages accordingly for a good rate of return for my retirement scheme as it gets saved. I have a life savings plan for my daughter that earns a compounding interest of 6-9% monthly. I have a basic life insurance that can provide assistance if I develop a critical illness and that can cover my family's expenses if I (knock on wood) die suddenly. On top of it all, I am aware of the importance of having an emergency fund, passive income and the one that schools don't teach, FINANCIAL EDUCATION.

All of these changes happened within a year. And now, I am compelled to share this with you because nobody cared to do so during my time. Nobody actually had told me that there is something that you call 'financial literacy'. If only I had been approached of a basic information about it, maybe, I could have done something with my finances earlier than last year.

The shift in my perspective happened when I attended a free seminar about Rich Dad, Poor Dad Realty Investments. From then on, I got awakened from the foolishness I had succumbed myself into thinking I 'can' work forever. Turning it into a desire that I would want to be financially free someday, (meaning, I don't need to comply to an 8-hour job, which I could spend with my family instead, because I would be having passive income by then working for me) I seeked and seeked more, the knowledge I would be needing to go further to fulfilling this dream. I was telling myself, if I need to work, it must be for something that I don't see as work. It should be something that I would do for myself because I love doing it, I am passionate about it that NOT doing it would make me rot inside.

A free financial education seminar that was conducted by Mr. Edward Lee himself with a committed
team who never gives up in empowering Filipino overseas workers all over the world.
By encouraging them to invest in the Philippines, most especially,
thru COLFinancial's Easy Investment Program.

I have met people who thought alike as I pursued financial literacy. Mr. Edward Lee even took a bunch of us to dinner at the Pacific Place for him to personally encourage each to be financially educated all the way thru. He explained to us how volatile stocks may be that night and that we might give in to our emotions if it doesn't favour us in the end. But, he assured us of a safe platform where a minimal amount of money can work greatly for us only if we would follow the peso cost averaging system that the Easy Investment Program of COLFinancial had set. This on top of a learned and disciplined mind could get all of us rich. Enlightened with its program that assures you of a well guided website in handling your stocks, the idea was sold to me right away. With the books, blogs and webinars about handling money, I've learned that big companies like this may be too big for the government to lose just in case everything doesn't work as expected, right? So, I was thinking, what do I have to lose?

Featuring Floi Wycoco, "Mr. Investor",
the CEO and Founder of The Global Filipino Investors
taking his time during a holiday trip to meet us
to fulfill an advocacy for a #financiallyliteratePH.

Last August, the CEO and Founder of The Global Filipino Investors, graced the happiest place on earth of his presence. When a colleague, who had been an avid follower of his teachings and appearances on monetary shows in the Philippines called "ANC on the Money" and "Pesos and Sense" knew of it, she had asked him to meet up. And humbly, he had given me and my colleagues a spare of his time to emphasise on the steps to follow in attaining financial freedom.

So, as for my Jollibee stocks' first anniversary, I would like to feature the person who had literally handled and personally submitted my COLFinancial application. If not for him, it wouldn't be possible.

In aiming for success, you have to make a line up of mentors to follow, stick with and look up to. For me, Floi was a great influence to how I value my capacity as a person.  Because altogether, juggling finances as a wife, mom, a  daughter, a worker and as an advocate is a huge challenge. I learned a lot from him. One greatest lesson, is he remained humble, approachable and driven. Amidst his busy schedule, of flying from Philippines to Singapore to conduct yet another session for TGFI, he found time to give me an online interview for further dissemination of an important money handling lesson. I didn't know it could be possible.

HOW HE GOT CALLED TO SERVE

"There are moments in life that you will fail on the things that you have planned to happen. It's ok to fail. The important thing is, you have to know how to stand up again and again.", this is the #hugot  (6 feet down under) response of Floi Wycoco as he emphasises on how our mistakes could serve as a trampoline for a meaningful comeback to living fully.

He was an overseas worker in Singapore himself, earning 4x of what he could earn in the Philippines. For 2 years, he had YOLO-ed himself, to living gallantly and spending lavishly. It came without any trace of guilt until his debt summed up to 7 figures in pesos. He had no savings to back it up. Right on his breaking point, he was advised by a friend to attend a financial seminar and that boosted his confidence into acting on the situation right away putting aside, 30% for his savings and the rest into paying the loans he had garnered. Hence, The 5-Step Ladder System for Investing was born.

I am personally following this pyramid.

Floi, as how he prefers to be called, had explained the importance of fulfilling each step before going to the other, to me and my colleagues when we had a brief meeting with him at Hong Kong Disneyland. It is emphasised in Step 5, steps 1 to 4 should be religiously followed before investing.

In fulfilling the first step, Floi encourages everybody to establish a smart goal first and foremost. Its importance sustains the discipline you would need as you improve your cashflow. Investments should never be done out of whim nor peer pressure as every investor should never enter anything without having a sturdy background about where they are going to put their money into.

Also, any business venture should at least start from a burning passion within the proprietor himself. This could give justice to him saying, "I won't give up!" when doubts and frustrating emotions creep in because his idea or efforts gets challenged along the way.

DID YOU KNOW?

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"By right, you need to have at least 3-6 months equivalent of your monthly expenses as the equivalent amount of your emergency fund. But did you know that 3-6 months rule only apply in the US workforce? Average Americans once, they become unemployed, it will take them at least 3 months to look for a new job. That will take the 3 months of savings then the other 3 months would be their average savings upon loosing work to be able to start all over again which may be used for a 2 months deposit, one month advance for house rental. That works for the US but in the Philippines, at least in a month you can have a new job already. Since we're very family oriented, the National Statistics Office had tallied a remarkable percentage of a working population still staying in their parents' house. It becomes easier because no funds are needed to be allotted for house rental advance. That being said, if you're having a hard time keeping up with 3-6 months of an emergency fund, it's better to take baby steps as putting together 1 month of an emergency fund at least to make room for funds to be saved for your investment and other business ventures."

-FLOI WYCOCO

CEO and Founder

The Global Filipino Investors

____________________________________________________________________________ 

AN ADVOCACY FOR A #FINANCIALLYLITERATEPH

From his unfortunate financial setback in Singapore, Floi's personal experience served him right. He went home to the Philippines, established himself as "Mr. Investor" by putting up The Global Filipino Investors Group. With an ultimate mission of helping other people understand how important of a tool money is in our everyday lives and that it's ultimate purpose is to help other people, he had found out that experiencing these misfortunes was necessary for him to find his purpose. And that is to be an instrument himself to fulfilling an advocacy of a financially literate Philippines.

There was an instance that as he went about making a huge change in his lifestyle, he was continuously seeing other people being irresponsible with money thru their posts in the social network. He didn't want other people to turn out like him and he realised that starting early is of most essence. Floi, being a graduate of the University of Santo Tomas, is aware that the Filipino culture makes money a sensitive topic to be casually talked about. Because of that, he aspired to have a safe platform where Filipinos would feel safe and open in raising up issues about entrepreneurship, what are the dos and don'ts of putting up a business and anything and everything about money matters.

While his intentions are true, his advocacy had expanded like wildfire. Up to this date, The Global Filipino Investors has at least 80,000 Facebook group members and 45,000 fan page followers and still counting. 

Moreover, Filipino overseas workers, who compose a great percentage of the Philippines' Gross National Product (GNP), are encouraged to invest in their own country. They also get enlightened of the great opportunities that await in the Philippines for them. They are now slowly trusting the Philippine government as Duterte sits as the 16th president. It is such a great timing that Floi, together with so many alliances (with the same mission), are becoming active because the Philippine Stock Exchange Index are skyrocketing. It is pretty attractive to foreign investors. If this would be the case that bridges are rebuilt by regaining these investors' trust as far as business is concerned, this will help greatly in stabling the Philippine economy.

THE BEST WAY TO START

Floi Wycoco, the former Mr. Spendor now Mr. Investor encourages us all not to listen to the noise and to stay focused with our goals. Awareness is key and the best way to be aware is to get educated.

The Global Filipino Investors had established the TGFI Web Academy where members are encouraged to enroll.  Experts and mentors were put together to facilitate and satisfy every Filipino's query: "Gusto Kong Matuto Kung Paano Ko Mapapalago ang Pera Ko". (I wanted to learn how to handle my finances well to attain riches.)

The Web Academy, also known as 'WeCad' covers matters regarding entrepreneurship, money management, real estate, investing, putting up an online business and the most recent is agripreneur. There are free online classes that you may want to go for a trial and if you think it serves you well, you can choose a package to move further.

Most of successful investors had emphasised on the importance of education. See for yourself what Warren Buffet, Nelson Mandela and Martin Luther King, Jr. If you find it expensive, you may want to know that ignorance is far more expensive than paying for your own learning. This I promise you.

Floi also suggests the following for your own personal advancement:

1. Rich Dad Poor Dad by Robert Kiyosaki - the book that had motivated him greatly and to which he shares his great big start with.

2. No Nonsense Personal Finance by Randell Tiongson - good guide as for personal finance

3. Pooled Funds by Rex Holgado - a free ebook that will guide you to learning about how mutual funds work. These are for the starting investors that have a limited background about what to do and how to do it.

Education could also help you distinguish the "wannabes" and the "scammers" from the dedicated ones. Apart from surrounding yourself with warriors that will encourage you to keep going, it's important to be cautious of who to trust with your hard-earned money. So many people also want instant richness but it doesn't work that way. Investing in yourself is the best investment you could ever make. From there, you would know which next step you should take. So trust the ones who had been there more above all else. Yes, even if it's your friend.

WHAT IS THE RIGHT PERSPECTIVE

In everything that you need to establish, your credit score, your emergency fund, your reputation, you should have the right perspective. The best example is how we see money. Being driven to doing something about it, doesn't mean you are obsessed by its power. Understand that the difference between studying about it and hailing it are totally different things. Some people may need time to understand the concept of how money could work for them so, don't judge them that they are so "into" money. Money is nothing but a tool. But it is that important of a tool that we would be needing to help us stay alive. Also, understanding its ultimate purpose is important. And that is to help others with its abundance.

Next example would be how you see saving up for your emergency fund. Establishing a secure net for whatever the future might bring is smart. So stay focused and don't be misled by peers who tease you of not living the life. It's hard to live when you wake up the next day and all you own are debts and credit card loans. Trust me, you don't want to be there.

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"Just like in investing, establishing your emergency fund is a must for you as you prepare for your future but there will come a time that it may get to be a burden already. If you have the right perspective, it would not be too hard for you to understand that this is put together to secure your investments. Having the right perspective would help you get back on track once you fall to this pit of questioning yourself why saving for your emergency fund is a must have." 

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There's also but one remaining perspective that you should never neglect. The right perspective towards your own family. Every change starts with a small step but the ripple that it makes towards a community is unimaginably massive. So, envision yourself far away further into the horizon as Floi encourages each Filipino to start within their families in propagating financial education. Since it is the most intimate circle we are in, having the right perspective of starting small but thinking big is the idea.

Floi's wife and father had been the pillars of his success.
They always remind him of the capabilities he possesses
in serving and that pushes himself to be at his best every time.

FLOI'S ULTIMATE GOAL

It was truly a dagger to Floi's heart when one celebrity back, when he was starting in 2000, had discouraged him by saying, "There's no such thing as an advocacy for financial literacy." But as a financial literacy warrior, he remained steadfast with his mission. And this is to create more Filipino investors and entrepreneurs and to convert at least 50% of our population to taking actions to achieve financial freedom.

Individually, establishing an emergency fund alone could be a struggle. Imagine what Floi Wycoco is facing as per challenges that could arise with his vision. But as to that challenging remark that celebrity had given Floi, later on, TGFI's accomplishments had astounded him. The celebrity was surprised that it had gained popularity in the end. This is due to the reason that there is an undeniable heed for this kind of education. Globally, the TGFI CEO and founder, aims to push financial literacy to millions of people most especially to OFW's to guide them into coming home to their families.

Here are some of the projects The Global Filipino Investors had gained acknowledgements from besides magazines, TV shows and live forums on the radio.

Being interviewed by
CNN Philippines.

One of the greatest inspiration of the Spearhead Mission
is MR. Floi Wycoco who had helped me personally
in submitting my COLFianncial application and
my colleague's JP Adena, Founder of the Spearhead Mission.
He helped me attain my dream of becoming a Jollibee
owner by being a stockholder!

One of the millions that had been touched and influenced greatly, was me. For a tribute, I would like to personally thank this humble superstar, an explosive ball of motivation, who not only believes in the Philippines success but he knows, we are all capable of being rich. Mr. Floi Wycoco, this marks the first year of my pursuit for an earlier retirement, a.k.a., financial freedom. I would like to show my appreciation with a hope that the whole world would know how you had helped me and millions out there. Bless you and your family for the wonderment of your heart. 

As you extend a helping hand to Spearhead Mission, we will forever be indebted to your expertise, experience and efforts. Thank you again and again. 

Spearhead Mission and TGFI tie up for a free financial education seminar
held at the Philippine Overseas Labor Office (POLO), Admiralty
last March, 2016.

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