SOMEWHERE OVER THE RAINBOW CHEESE

In flight magazines work wonders. With each of their featured stories, I get hold of information from a lot of places in a jiffy without spending a penny. And as I went over Cebu Pacific's Smile Magazine today, I came across an article that featured the rainbow grilled cheese sandwich that had gone trending in instagram. And I knew I had to try it!

Slowly, I am getting fond of our new home here in Tsuen Wan. 10 minutes via shuttle bus to the train station leads to a wide array of great eateries, restaurants and noodle houses. And 5 minutes away from Exit A there's Kala situated at G/F, 4-6 Tsuen Hing Path, Tsuen Wan. 

KALA Toast is recently the most sought after foodie experience by a lot of tourists and local residents alike because of its unique presentation of their grilled cheese sandwiches. It comes in rainbow colours! How is this possible?

As I had experienced this rich grilled sandwich myself, called KALAful Toast, I have observed 4 colours blending in altogether. There's yellow, green, blue and pink/light purplish shade. So it made me curious how they are able to do this.

Four kinds of cheeses - mozzarella, cheddar, emmental and gruyere, are flavoured with basil (which makes a part green), lavender (which makes a part blue), tomato (for the pink part). When melted altogether, they make up the rainbow colours as seen below. These cheeses are directly sourced from Europe. Their toasted breads are crystallised with butter that's why most of the customers find it oily. Don't worry, there's paper to seep that oil in.

For a price of HK$42, it is worth a try. I must say the lavender flavour was really subtle considering the colour that it throws out in the sandwich. The basil was also barely there but the colour green is pretty set. The tomato neutralises everything giving it an aroma of a pizza. I suppose it's alright since I would prefer the original tasting grilled sandwich at all costs. Lavender and basil may alter it in certain ways that I may not like anyway. Besides the fact that it is delightful to the eyes, it's quite selfie worthy too. Other out-of-this world flavours are also available. Here are the recommended must-try's:

Choco-banana Snowman

Green Tea Sandwich

Fresh Durian and Cheese Sandwich

KALA Grilled Cheese Specialist is open from 12nn to 12mn. And can be contacted about its services thru 3706-5432. Sandwiches can be availed only by cash and octopus. Parking can be done at your own risk within the area. And wifi is available for customers.

I expected tables that I could dine in but they had to remove it since Tsuen Hing Path is technically owned by the government. So, it's illegal to actually consider it as a place for personal gains. I am truly hoping that they'd expand to a place where people can sit down and take time in eating their orders.

If you're around the area, pass by and give yourself the four sinful cheeses I know you crave for. Hong Kong Summer is hot and rainy but there's always a rainbow in a bursting grilled cheese sandwich here in Tsuen Wan!

Related posts:

1. JOLLIBEE - the most famous and long standing Filipino fast-food that brought its delicious flavours here in Hong Kong. Check it out!

2. FOOD TRIP - an authentic Filipino restaurant that sits in Jordan's food alleys that is worth of your money and time. Try it on your day off!

3. PIZZA EXPRESS - Located in Tsim Sha Tsui, Ocean Terminal, Pizza Express gives an Italian experience to Hongkies like no other. Their home made pizza and tasty pasta dishes taste will surely make you forget your name.

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!

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

10 IMPORTANT THINGS I LEARNED IN ATTAINING FINANCIAL KNOWLEDGE

This year marks my decision to be financially literate.

It all started when I had attended a seminar held here in Hong Kong called, "Rich Dad Poor Dad". Like any other free meet-ups made available in most countries wherein finance is the name of the game, it was the usual 2 hour motivational lecture by this woman who had been into the deepest, darkest hole as a result of her bad decision making, lax prioritization and irresponsible lifestyle. Needless to say, it leaves her penniless, hopeless and desperate until she mentions attending the very same thing we (the audience) are attending. Her story touches all the necessary buttons to set us all into an awakening. To sum it all up, the story telling part resonates to most of the middle class (which to my estimate composes 65% of the attendees): continuously in a situation of being overworked and underpaid. Dramatic as it may sound, it set us off to a mode of action in just an hour.

With an expert knowledge about these people who go to seminars, the staff knows that one way or another, this 65% is in need of enlightenment from their own current financial situation. While the rest were dragged to attend because of their curiosity, including me, its motive was quite established with a pang.

Through the rest of the seminar, the lady introduced methods that she followed on how to get out of the draining misfortune. The one I attended focused on real estate. It encouraged all the way to invest the money they are saving. The clue was to look at the rate of return on investment as to which tool you'll embrace and work on.

May I say that in the end there was selling of the "help" that you should need but it was enveloped as a form of investment on education. As a writer, I continuously research. Included in reading books and studying statistics, I consider reviews, comments and forums concerning a specific topic that I need to know about before I write my own input. Because of that, I know there are a lot of free information in the Internet that I can hold of. This convinced me that right before I entered the room, I was just after the satisfaction I would get and the refresher on the methods I stubbornly keep up with. I just wanted to be aware further more. So, I have set myself to hold my credit card very well and to let the information settle before I make a move... or a swipe.

I was successful in not doing so.

But I came out from that free seminar, rich in resources. Books, links, inspiration. And the one that I benefited from the most were the books, "The Rich Man in Babylon" and "Think and Grow Rich".

Now reading these books had kind of made me learn 10 very important things:

• Set a S.M.A.R.T. goal. I know some may have come across this abbreviation a thousand times but just for the sake of reiteration, let me give you what this effective acronym stands for: 

              S - specific; M - measurable; A - attainable; R - realistic; T - time-bound
       
         These meanings are pretty self-explanatory. But there's one thing you need to do after coming up with one, you write it down and recite it as often as you can, stating it as if it happened already, claiming it and considering it as done. Mine was to have Php50,000 within a year, even declared it in front of my husband (despite the book's advice to just make a commitment with yourself) just to give myself a sense of stronger responsibility to live up to my word. He challenged me why not 50,000 Hong Kong Dollars? And so, I added it up.

• Never lay all your eggs in one basket when it comes to investments. - There are different investment tools and the more you are well versed on them, the more you'd be able to calculate the risks that come along with each.
• Understanding the concept of the 8th wonder of the world called "compounding interest", you may think that time is not your ally anymore. But think about the present learning as a gift and consider "now" as the best time. Countless years may have been wasted before but there's no other best time to start than today.
• Learn from those who had gone the path already. Easily put, if you want to be rich, learn from the rich, the experienced. There are a series of steps that are usually presented in books but the most important is, if it's feasible and if it is actually doable. The only way to find out is if there's somebody who had tested and did it themselves. Follow that person.
• Keep the three laws of money (save, invest and re-invest) intact in every financial decision you will have to make. Saving may be in a way of assets, bit coins, saving plans and is not limited to just keeping an amount of money safe in a bank.
• Emergency fund is necessary as your safety net as you level up into investing. Establish this first before anything else so that come what may, you will have a fall back.
• Never ever neglect paying yourself first. This is not through material stuff like buying yourself a new gadget, clothes or shoes come every payday. It is putting aside money for your retirement in the future. Paying yourself first is paying yourself for every non-working day you need to live for after retirement, keeping the same lifestyle like when you still had a job.
• Habit forming will be your weapon in keeping up with your financial goals. 
• In every investment you have to make, see to it that you separate your emotions from the very beginning. Because if you do, you're already 50% short on your ROI.
• Anything that you do, integrity is the key. If you want to come up with a business, word of mouth will always pave the way to your success. If you're hard to work with and trust unworthy, chances are, people will talk negatively of you. Whether you're a boss or an employee, treating your subordinates right and respecting your bosses, having the appropriate work ethics can send you high rocketing into success. From there, you'd be able to give your goal a check, leading you to the road to financial freedom.

Right now, I have been awakened. Having a family had pushed me into planning for my own financial freedom. Let's see if it works.

Related posts:

1. GET INVESTED IN STOCKS FOR A RICHER LIFE - One of the many form of investments I've tried doing. Believe me, I was scared shit less of the term 'stocks' alone. But I had turned the risks into a calculated one, and slowly, it pays off. Read on why you should at least invest on a sturdy one like Facebook, Disney or Jollibee.

2. JOLLIBEE - why it's worth buying its stocks.

3. HOW FINANCIALLY HEALTHY ARE YOU? - Here are 6 steps on how to assess your financial status.

A Step by Step Guide to Successful Stock Investing with the EIP COL Easy Investment Program

(To those who wishes to read this in your preferred language, there's a pull down button on the upper left of the site that would cater to your understanding.)

Have you ever dreamed of owning a franchise of Jollibee?
Have you ever dreamed of spending 24/7 with your family
rather than getting employed 24/7?
Are you interested in making your money earn
while you sleep?
You've been wanting to invest but you don't know
with who? where? and how?

My friend, here's a solution if all of these
questions are applicable to you.

START INVESTING YOUR HARD
EARNED MONEY TODAY!
Because if not now, when?
And if not you, who?

One way is to invest in the stock market.

But before you dodge the bullet, fear not, for there's a guide

you could use in learning about stocks as you earn dividends along the way

SAFELY.

Why I emphasised on that?

The reaction of the majority of the people hearing
about investing on stocks? Super scared
with how it operates that they repel from the idea.

I was like that before. But I chose to roll up my sleeves and

know a little about it until I got hooked.

Afterwards, I was thinking that it's not that scary after all. In fact, I have never felt so driven
when it comes to "investing" until I learned
about the Basic Laws of money.
I agree with Edward Lee as he believes

that all of us need to be educated financially.
This way, we would have the advantage of combining

what we know with the single most important commodity in the universe,

TIME.

Last week, I was blessed to be able to attend a seminar that gave me an insight of what I should learn before entering any form of investment. They've taught about how Philippine Stock Market
could help overseas foreign workers to save a portion of their income and make it grow
over time. After understanding how stocks work,
a safe platform by COL Financial Philippines was offered.

"COL Financial Group, Inc. is the leading online stockbroker in the Philippines established in 1999. It aims to be the most trusted wealth-building partner of every Philippine investor by providing value driven, innovative solutions and easily accessible financial tools to help investors achieve their financial goals.

To date, COL is the fastest growing online stockbroker with over 100,000 customers and PHP 55 billion in customer assets. COL is committed to help you build genuine wealth by providing client-focused products and services."

www. colfinancial.com

I have a basic understanding of money that I would like to share to you. Money is a very powerful tool that may aid you in your pursuit of happiness. If you read it carefully, money should be considered the "means" to be happy. It is NOT, per se what will make you happy. Our reason for happiness differ greatly. Mine is to be "truly" rich. And when I say "truly" rich, this means, NOT being wealthy because of money but being wealthy in how many people I've actually helped and empowered to attain financial freedom. As inspired by Edward Lee himself when he gave the talk in the "free" seminar I went to, it's because of his advocacy to help Filipinos to be financially educated, that's why I'm as well, freely giving out this information. Call me a dreamer but I think if every Filipino would take the Basic Laws of Money seriously, the Philippines could also be saved, economically speaking. It's been a long time. I thought with all honesty, Philippine economy is hopeless because of the corruption. But this is our light at the end of the tunnel.

Why is the COL EIP for me?

The COL Easy Investment Program is a convenient and easy investment plan that allows you to build personal wealth in the stock market over a period of time. You no longer need to monitor your investments daily and you can take advantage of the ups and downs of the market by applying the simple strategy of peso-cost averaging.

What is PESO-COST AVERAGING?

PESO-COST Averaging is a time-tested and reliable method of investing that is easy to understand and apply. It is a personal wealth building strategy that involves investing a fixed amount of money to buy shares of stock at regular intervals over a period of time as a passive, long-term investment in the stock market.

When preparing to invest successfully with the COL EIP, ask yourself 4 questions:

1. HOW MUCH DO I WANT TO INVEST (on a regular basis)?

"Our recommended investment amount is 20% of your SAVINGS."

2. HOW OFTEN would I like to invest?

"Choose an interval that you can commit to regularly invest your fixed amount of money - weekly, monthly or quarterly."

Note: There are no penalties if you skip a date, but try to maintain the discipline to invest regularly.

3. HOW LONG would I like to continue my investment plan?

"Tip: The longer your investment plan, the greater your potential returns given the power of compounding."

4. WHAT DO I BUY?

The COL Advantage? Because Peso-Cost Averaging only works when you're invested in good companies, COL provides a Premium Growth Stock List, evaluated by our experienced analysts for you to choose from.

It is imperative to know that Filipino Overseas Workers were placed as the highest contributors to the Philippine's GNP funding it roughly around 21%. Sad to say though, only 1% of that entire 21% are investing. Presented with this data, could you imagine if the other 20% are also investing and are earning while they sleep? I believe there'll be abundance in funds both personally and economically. The investor would gain adequate amount of money (perhaps more) because of the shares bought and since the power of compounding interest is so great, you'd go for long term investing that the Philippines would benefit from its reserves as well. My own personal knowledge is limited that's why COL Financial are putting out youtube videos out there because they believe ignorance of this kind of information is hindering the Filipinos from realising the beauty of investing. Not only that, the beauty of investing EARLY is the key.

Benefits of the EIP:

1. No need to monitor the stock market. Have time for your more important priorities while enjoying the benefits of your COL EIP at the same time.

2. Minimize your risk by investing in the long-term and maximise your potential returns.

3. You only need a small amount of capital to get started. Open a COL EIP account for a minimum investment of P5,0000.

4. All these benefits of a simple and easy reliable investment strategy at the lowest-allowable commission rate of 0.25% of the stock amount purchased.

Get Started!

COL Financial Group, Inc. is the leading online stockbroker in the Philippines established in 1999. It aims to be the most trusted wealth-building partner of every Philippine investor by providing value driven, innovative solutions and easily accessible financial tools to help investors achieve their financial goals.

To date, COL is the fastest growing online stockbroker with over 100,000 customers and PHP 55 billion in customer assets. COL is committed to help you build genuine wealth by providing client-focused products and services.

I would be posting further development in terms of my own investment sans the figures (I claim) I would make. But, if there are stocks that is not worth buying, I'd freely give out the info as given to me as well. For now, I'll establish my COL account first, give it time to earn some and then prove to you readers that it's real. Truth be told, we can all be "truly" rich altogether.

Our Thank God for Financial Literacy Crew with Mr. Edward Lee himself.
Founder and Chairman of COL Financial Philippines
June 4, 2015, Hong Kong

You can leave your comments below if you need clarifications and if you need additional information. The purpose of this post is to educate. To those who know me personally, we have a group called "Thank God for Financial Literacy" that are willing to give effort on how to assist you with further financial education. A couple of our members have already started their accounts and has started trading. Experience wise, it's better to ask those who have it already. Please let us know. There's also a chance for non-Filipinos to join. The potential is limitless. Just have the right mind set and dream with a purpose. God had given us talents and he wants us to use it in its maximum. 

Related posts:
1. HOW FINANCIALLY HEALTHY ARE YOU? - Check your financial status following these 6 steps.


2. HAPPINESS PROJECT - Gretchen Rubin wrote about her journey in pursuing her happiness. Lessons about finances, relationships and self-treatment await.

3. HK Disney Auditions, June 2015 - "Find Your Light". Grab the opportunity.

ALCHEMY

For a year and a half, I have hibernated from going out for drinks with girlfriends.

As my baby had been weaning and is more into solid foods now,

I have indulged on a night at ALCHEMY

where Buddha tears mixed up with liquor

certainly gave me a different impact.

Remember this clip in Sex and the City 2 movie?

Yes, when you're a mom, "sips" may be needed

just to keep you sane and reconnected to yourself.

When you're a mom, you start to think not only of yourself. There's always something that needs your attention and you constantly are worried if you missed a thing in terms of nurturing, feeding, bonding time and future concerns. Needless to say, you somehow neglect yourself willingly that it may be too late for you to realise that you've lost yourself in the process. Having said this, I'd like to encourage you with a reminder, "You had a kid, yes. But you didn't die."

It's important that you have a handful of mommies as friends for you to be understood because the "single-no-kids" ones wouldn't get where you're coming from. At one point, you may be feeling a little aloof towards them because your priorities are different now. Let me tell you that to this account, you're not alone and so many mothers have been there. My good friend Jane, who had her daughter 2 years ago was asking me how I felt in going out, if I felt awkward since it doesn't feel the same way as before when didn't have kids yet. And I said, it's pretty much new to me again. I wasn't knowledgeable about the new trends in drinks, the place was new to me and I felt a stronger emotion than feeling awkward.... honestly, it was GUILT.

fresh Irish oysters with vinegar, tomato salsa
and extra virgin olive oil

But I'm a wide reader. I had a lot of questions so, I had to research. To counter my fear of intoxicating my baby thru the drinks, I read that I need to drink a barrel or 10 bottles of absinthe or any hard liquor before I would. That's good to know. So, I didn't hesitate on ordering the Buddha Tears where part liquor is mixed in with coconut juice, lemon drops and something else that it was like I was drinking the word "SPA" and everything about it.

There's a taste of lavender, lots of zen greens and kind of soil extract. You may think it's gross but, the after taste was rejuvenating. That was one of the highly recommended but I was trying to feel any hit, there was none. Until I ordered a mojito then a SAUVIGNON BLANC. On the side, my girlfriends and I ordered the fresh Irish oysters that were over-the-top good. We were just really supposed to be there for drinks but we got envious of the other table ordering the fabulously laid oysters so we got them. In addition, the home cooked spicy treats (popcorn, peanuts, raisins and almonds with pepper) were soooo delicious. I am not a fan of spicy food but I found myself digging for some and all 3 of us were popping them in because they were just irresistible.

It was an honour to know some people who were friends with the Chef (Chef Pascal) so we met him and had said our praises for how satisfying the oysters were. A little moment later, we were delivered these cranberry macaroons that were like no other. I never loved desserts. More so, if they are chocolatey. So I was eager to taste it right away and we had licked the syrup even because it was so tasty. In the end, our bill was around HK$1400+. 9 drinks all in all, the oysters, the dessert (free of charge) and loads and loads of treats (free of charge) to complete the bill. 

-the best Cranberry Macaroons I've ever tasted-
The macaroons were home made.

I wanted the night to be spent smoothly in a way that I would be able to go out again after this one. So I asked to tag team with my husband to whom I owed a good night from, by being selfless and just wishing me a good time. My girlfriends and I headed home unexpectedly sober because we thought there was not that much alcohol in our drinks. We aren't alcoholic but just for your information about how we would critic the drinks. Food was great, be ready with around HK$400 in your pocket. Service charge was billed and since it is secluded from the chaotic Lan Kwai Fong, you could be assured of seats. A reservation is recommended though Thursdays all the way 'til the weekend.

I love these gals

Trivia about the place since we have met some of the chef's friends and had given us a background of who owns the place, all the French lounges and fine restaurants are owned by the same person. I had the chance to experience Le Budoir with my closest friends and boyfriend then (husband now) I think a little over 5 years ago, which is located on the left side of the street going up to Lan Kwai Fong (where the Cotton On is beside 7-11 and so forth), and it didn't disappoint. Actually, I loved that place.

When we visited Alchemy, it was a cold night that I had to buy a sweater. So I was so relieved that it was very warm inside. The ambiance was relaxing, homey as a matter of fact and for those who would love to have a good chat with mellow music, try having a drink here or two. I highly recommend it since it leads a way too to a dark dining restaurant that my friends and I are aiming to experience before one leaves for Dubai for good.

Here's a movie that features one dark dining restaurant that may ignite the curious in you. 

Related posts:

1. D' TALIPAPA - a unique restaurant situated in Boracay that you should never miss

2. JOLLIBEE - Philippines own fast-food addiction

3. CHARLIE BROWN CAFE - a cute cafe located at Tsim Sha Tsui for all the Charlie Brown fans.