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28
April
2015

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How One Woman Went From Knee-Deep In Debt To Personal Finance Expert In Just 3 Years

Just a few years ago, Sha Nacino was buried in credit card debt with no way out. Only making about P15,000 a month, she could barely make a dent in her P80,000 credit card debt. “I was desperate,” she says in an interview with iMoney Philippines. But three years later she was able to get debt-free, and now, she writes books about personal finance which come highly recommended by figures like Edward Lee (founder of online stockbroker COL Financial), and Edric Mendoza, host of ABS-CBN’s On the Money, among others. She’s also a highly-sought after speaker at financial seminars like Bo Sanchez’s Wealth Summit and has even been invited by the Office of the President of the Philippines to give a talk at Malacañang last December. Today, she is pursuing her passions full time. She quit her job last August 5, 2013 and she now runs her own startup companies. How did Sha turn her life around from debt to success, and what financial advice does she have for you? Find out in this exclusive interview. Hi Sha! Tell us a little bit about your background. I used to be an employee for 9 years, working for a bank. One year after I started working (in 2005) I got buried in credit card debts. That was the first time I thought about investing in my financial education. I was sick and tired of my job (I was doing a call center job). I wanted to resign but I couldn’t. Since the credit card was issued by the company, I had to pay off the debts before I could leave. I was buried in debt with no savings while doing work I didn’t love, even though I loved everything else about the company. I was so desperate to get out of that situation, so I started to read books, attend seminars and seek mentors. Finally after 3 years I was able to zero out my debts. I also started to save and invest. I realized that a lot of young people need to know this information. In one of the seminars I attended, the idea of writing a book came to mind. At first, I was hesitant. But I heeded the call anyway. In the process of writing my first book, I fell in love with writing. Going back to your financial problems — when did you realize that your credit card debt was serious? I realized it too late. I’d already maxed out the credit card limit of my two cards before I noticed ‘Wait a minute, I’m paying so much in finance charges.’ I would always work overtime, even Christmases and holidays, and my overtime pay would go straight to paying off my credit card debts. I owed P80,000 in credit card debt, and I was only making around P15,000 a month. My big mistake was that I would only pay the minimum amount every month. It was only when I read financial management books that I realized I was draining money from myself at a really, really fast rate, over 42% a year. It was a foolish move for me to keep on swiping my credit cards. Because it was so cool, right? You just swipe your card and sign and you don’t worry until the bill comes. So when you noticed the problem, how did you make the first steps towards removing your debt? Well, it was hard because I didn’t know where to start. I didn’t know anyone who’d been buried in credit card debts before. What I did was, I bought a small notebook and I started to track my expenses, where I was spending the most, and where I could save. I started to do what I called ‘statement of assets and liabilities’ which I did for quite some time. When I started way back in 2005, my assets were 0 and my liabilities were mostly credit card debts and personal loans. In tracking my expenses I decided where to cut down so I could put that towards paying off my debts. And I literally cut up my credit cards to prevent my impulse on swiping the card.

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28
April
2015

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Celebrities urge Australia PM to do more to save execution pair

Celebrities including Oscar winner Geoffrey Rush released a video Tuesday urging Australian Prime Minister Tony Abbott to fly to Indonesia to help save two citizens facing execution, forcing the government to defend its tactics. "Bali Nine" drug traffickers Myuran Sukumaran and Andrew Chan could face the firing squad within hours, along with others from Brazil, Nigeria, the Philippines and an Indonesian prisoner. Australia, Indonesia's close neighbour, has mounted a sustained diplomatic campaign to try to stop them being killed, but it appears to be in vain. The Indonesian attorney general's office on Monday said the executions would take place this week, without confirming a date. But Australian media have published photos of crosses prepared by a mortician that will be used to mark Chan and Sukumaran's coffins, inscribed with the date 29.04.2015. Dozens of celebrities led by Australian acting luminaries Rush, Joel Edgerton, Guy Pearce, Deborah Mailman and Bryan Brown urged Abbott to do more in a video, #SaveOurBoys, uploaded to YouTube. "I'm an Australian and I stand for mercy," said Oscar winner Rush, a theme repeated by the other prominent actors, musicians and writers. Others ask: "Where are you Mr Abbott?" and urge him to do more to "bring our boys home". "Tony, if you had any courage and compassion you'd go to Indonesia and bring these boys home," said actor and writer Brendan Cowell. "Show some balls." Foreign Minister Julie Bishop, who has been spearheading the bid to save the men, said expert advice warned against a prime ministerial trip to Indonesia. "Clearly, if travelling to Indonesia would make a difference, we would have gone there," she said. "We take the very best advice from our people in Indonesia, who are in Jakarta, who are part of a high-level sustained campaign to seek a stay of execution." Bishop, who spoke to Indonesian counterpart Retno Marsudi on Sunday, said she has now received a letter from her offering little hope. "While they are still alive there is still hope. I will continue to advocate all throughout today," Bishop told reporters Tuesday. "I did send another letter to Foreign Minister Marsudi. I received a response from her but it didn't contain any information that may indicate a change of view." Australia argues that the men should not be shot while legal avenues are still open, including a judicial commission investigation into alleged corruption during their trial in 2006 after new claims surfaced in the media. Abbott is currently travelling back to Australia after attending commemorations marking the centenary of the World War I Gallipoli campaign in Turkey, in which more than 8,000 Australians died. Indonesian President Joko Widodo has taken a hard line against drug offenders and has not been swayed by Australia's pleas for mercy, saying his country was facing an "emergency" due to rising narcotics use. Source: https://ph.news.yahoo.com/celebrities-urge-australia-pm-more-save-execution-pair-030459993.html

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28
April
2015

0.0/5 rating (0 votes)
Pacquiao sees fist of God delivering win over Mayweather

Filipino boxing hero Manny Pacquiao is confident he can beat American arch-rival Floyd Mayweather in Las Vegas on Saturday with the power of God, after abandoning a life he said was packed with sin condemning him to hell. Pacquiao is in top form both in mind and spirit after he traded his boozing, gambling and womanising ways for a devout life of prayer, his spiritual adviser, Jeric Soriano, told AFP in a recent Manila interview. "Manny is a God-fearing man. Inside his heart of hearts he really loved God. Except the world got to him," Soriano said of Pacquiao's party-boy lifestyle before he became born-again in 2012. Pacquiao now dreams of becoming a pastor and is building a 6,000-square metre (1.5-acre) "worship house" in his southern Philippine hometown of General Santos as a monument to his spiritual rebirth, Soriano said. With Soriano's help, Pacquiao a few years ago converted to the born-again faith, which shuns many Catholic traditions such as religious images but emphasises strict adherence to the bible. He is now building a church, to be called: "The Word for Everyone" and which can accommodate up 5,000 people, in his southern hometown of General Santos, pastor Boy Buan, who is overseeing the construction, told AFP. - 'I was a sinner' - In 2012, Pacquiao acknowledged he had succumbed to many of the temptations on offer to ultra-wealthy sportsmen, after the Philippine media for many years dined out on rumours of infidelity, drinking and gambling. "I do realise I was a weak person before. If I had died the other year, I believe my soul would have ended in hell," Pacquiao told reporters then. "I had faith, but I was doing things which were against the will of God."

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26
April
2015

5.0/5 rating 1 vote
Empowerment highlighted in San Fernando Earth Day forum

CITY OF SAN FERNANDO -- The City of San Fernando, Pampanga through its Environment and Natural Resources Office joined the nation in celebrating Earth Day by conducting a seminar for the deputized employees and volunteers who implement local laws for environmental protection and preservation. This was held at the Heroes Hall last April 22 and was attended by deputized personnel from the CSF Federation of Homeowners Association, Association of Barangay Captains, and Kagawads, members of the local Philippine National Police, barangay tanods, city hall employees, among others. According to City Environment and Natural Resources Officer Engineer Anele Culala-David, the activity aims to enhance the capabilities of the volunteers in implementing local laws such Plastic Free and Smoke Free ordinances, Republic Act 9003 or the Ecological Solid Waste Management Act, and the likes. This move, according to David, is also in connection with the local government unit's 12-point agenda that includes environmental protection, dubbed "Malinis na kapaligiran, Fernandinong maka-kalikasan." "With all our enabling laws, we still cannot do this alone, that's why we are asking everyone's help especially in practicing proper waste disposal," added David. In an interview, Mayor Edwin Santiago said that Earth Day celebration must be observed every day. "We should become proactive in the combat against climate change, everyone must do their part," he said. Source: http://www.sunstar.com.ph/pampanga/local-news/2015/04/25/empowerment-highlighted-san-fernando-earth-day-forum-404294

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25
April
2015

5.0/5 rating 1 vote
Garcia: Kawe ta na! (Let’s swim!)

"ATING ilug a manugtug king mula a tutulu ibat king Tula; manibat karin mepitna ya karing apat a pundanum.” ~ Ing Kalalangan, Dangka 2: Sunis 10 (Genesis, 2:10) “Pauli ning ing Tupa king libutad ning punluklukan yang talasoga ra; Tayran na la karing sibul ning mabye danum. At ing Dyos pulisan na ing balang lwa karing mata ra.” ~ Pamibulalag, Dangka 7:Sunis17 (Revelation, 7:17) "Karing talapagdalise Aku ing angin; karing tatalan sandata Aku i Ram; karing asan Aku ing pating, at karing ilug a mamagus Aku ing Gangga. Karing sablang maglalang Aku ing kamumulan at ing kapupusan at ing libutad mu naman, O Ardyun. Karing sablang agam Aku ing makadiwang agam ning sarili, at karing mapagmatulid Aku ing katatawlyang katutwan." ~ Dalit ning Kakataskatasang Panginwan, Dangka 10, Sunis 31-32 (Bhagavad Gita, 10:31-32) *** Itamung tau, neng marimla bubungil tamu; neng kauran bubungil tamu; neng mapali bubungil tamu naman. Sala king malpa, sala king magadtu tamu. Neng mapali buri tamu marimla. Neng marimla buri tamu mapali. Ala tamung tutung katulan. Neng makalukluk ta’ng malwat buri tamu tikdo ta na. Neng makatikdo malwat buri tamu lukluk tamu. Antita mu naman neng makakera. Ala tamu atang taganang akit a kabilyan o bage makapagpatula kekatamung alang patugut at e makasawa. Makanyan man, neng kaleldo ngeni at kisnang lisangan – pisabyan tana mu nung nanu ing manyaman pamparimla at masanting pipagpatinganginan. Ala nang sumambut pa neng kaleldo king alu-alu anting pakawasa. Nung makananu la karakal ding balen keti Kapampangan antita la naman karakal deng sangkap king alu-alu at ati na mu karing sasangkap nung nanu ing buri da pi-alu-alu o pisamut-samut. Mumuna neng dili ing yelu at gatas, kambe da reti ila ring miyayaliwang bagkat o mayumung bungang tanaman o lutung pamangan. Ating bagkat saging, bagkat buku pati na sagiwang buku, kaung, balatung a malutu, kamuti, “beans”, langka, dumang siningle, milun, pinya, atdpa. Nung “special” ya tatampukanan deng leche flan, ale ubi, tibuk-tibuk, pastilyas gatas damulag ampo pang “ice cream”. Lakwas ya pang manyaman nung gatas damulag ing gamitang pampaputi. Kareng kabalen tamu dakal la ring manyaman mag-alu-alu inya pin sisikat la ambis karing aliwang lalawigan o kalungsuran. Dapot ding mangibabo ila pin deng Razon’s at Kabigting. E pu itang sisipsip ya ing Kapisik. Manyabi ya mung katutwan. Makanyan man ing Nathaniel’s bubulusuk ya ngeni king karelang Buku-Pandan. Karing pipandilwan naman, kanitang minuna - ing Sibul ning Arayat ing daraywan da reng bisang magpatingangin. Subali king atin neng marimlang ulung masikan magus, makapagsalilung ka pa pa karing mangatas at mangakapal nang impugn tanaman. Potang pauli, makapanyali ka pang bungang tanaman bang ipasalubung karing dasan pibale-bale. Ngeni dakal na lang resort king paligid at malapit a makapalibut king Alaya o bayu ka pa man miras atin na kang dasnan pipandilwan. Neng sinikat ya ing Boracay, memuklat no man ding tau Porac a katumbas na agyang marayu ya iti king dagat – ing Poracay! Byasa lang tagana ring Kapampangan, ne kabalen! Potang pauli ka, malyari kang manyaling pasalubung king Sta. Rita, Guagua o Bakulud o mag-SM na ka pa O Big-R bang makapanyaling ating pipagpatinganginan kilub. Den naman rugung alang makaing panggastus at e na makarayu pa – karen na la mung ilug o sapa mamandilu lakwas na reng tau king Mawli. Mandilu la keng wawa ning ilug deti nung nu ing dagat mababo ya mu uling kisna yang “lahar” a menabu manibatan king Pinatubu. E pa mebanggit kanita ing layak ding sablang balen pati na lalawigan king dane Pangulu. Ing lamang da naman deng king Mawli ya pin ing keraklan, nung e man-sabla, byasa la ngan kawe’t sumungab uling keragulan da na ing bye lele ilug at dagat. Nung ding malati’t maragul king Porac byasang mamana, king Mawli – malati’t maragul byasa lang kawe. Kawe ta na bang milako ing lisangan. O lugsu na ka, abe! *** Dake Talabaldugan: 1. arap/pangarap) – (palagyu) paninap, tagimpan. English – dream, ambition. Alimbawa king pamangamit: “E ya misaplala ing ninu mang mamasa mu king arap dapot e ne man gugunyat lubusan.” 2. aráp – (palagyu) tulid, dayág, salungat king gulut. English – front, facade. Alimbawa king pamangamit: “Aráp ding dakal a tau, pemakarine ne ning kaka ing wali na.” 3. aráy! – (pasyag panamdam) ing kasebyan ding manasakit o mangaplas. English – ouch!. Alimbawa king pamangamit: “Aray! O’t demusak me ing makalbag kung bitis?” 4. arayat¹ – (palagyu) dane pamisamak, pamitipun o laguma. English – a place for gathering or assemblage. Alimbawa king pamangamit: “Ing pisamban?arayat de ring bisang mitipun-tipun bang puryan ya ing Ibpang Kakataskatasan.” 5. Arayat² – (palagyu) ing bayung lagyu ning Bunduk Alaya teguri da reng Kastila. English?instruction. Alimbawa king pamangamit: “Libu-libu nang banwa inyang tawli yang diling memakbung ing Bunduk Arayat.” Kasebyang Kapampangan: E manayun nung awsan deng “mapait pa king atdu” ing ninu man. Amanu yang sisti kasi iting mangbaldugang matamad at alang nabang. King amanung English, ”inutile” o “useless” ya katulid. Alimbawa king pamangamit: “Mapait ya pa king atdu ing kapalsinta nang Biring inya e ne aypagmaragul karing angkan na.” *** Agkatan da kang mambag o midake nanu mang Kapampangan a kawatasan, sanese, sisti, kasuryan o nanu mang dikil king Kapampangan. Pakiparala king email address, garciakragi@yahoo.com o iyaus o i-text king +639196940224. Nung karapatdapat ya’t makayagpang king dalerayang tuntunang Kapisik, masa kang milimbag ya sanu man kareng tutuking dangka ning Kapisik. Ipisik me, abe! Source: http://www.sunstar.com.ph/pampanga/opinion/2015/04/25/garcia-kawe-ta-na-lets-swim-404266

Categories: Latest News

25
April
2015

3.0/5 rating 1 vote
Gueco: Mabalacat City

BOOSTING up the peace and order profile of dynamic Mabalacat City, benevolent Mayor Boking Morales has implemented the innovative bike patrol unit system. Pursuing the ideals of crime prevention, Mayor Morales stated: "We are waging an all-out battle against all wrongdoings in our city hub. Focusing on our peace program, we want the new bike patrol to serve as a deterrent to persons who embody misdeeds. We can now pursue criminals in places that were not reachable by cars. With the new bike patrols, the police can effectively patrol and prevent crimes in villages with narrow pathways such as Dau, San Francisco, Santa Ines and the varied barangays. We want our police ranks to become closer to our citizens to ensure their protection and to promote a pro-peace environment." Kudos to the good Mayor Morales in his bid in creating a strong, vibrant and energetic city in our Pampanga heart land. Crisscrossing the different barangays, his peace-and-order and strategic development programs are showing the beneficial results of his vision and mission. We take our hats off also to the persevering team of his city leaders and police personnel who work for the enlivening and empowerment of Mabalacat City. Zero Crime Rate Furthermore, Mabalacat City is in synchronicity with other mayors with regard to their peace and order drive. Concurrently, networking with Mayors Pamintuan (Angeles City) and Santiago (San Fernando), they are establishing the synergy among these three cities in Pampanga. Initially naming it the “Complementation, Augmentation and Cooperation Against Crime” group, they are pushing for an almost zero level - the crime rate in our urban communities.

Categories: Latest News

25
April
2015

5.0/5 rating 1 vote
7 shabu pushers arrested in Pampanga, Nueva Ecija

CAMP OLIVAS, Pampanga -- Seven suspected shabu pushers were arrested on Thursday during separate anti-drug operations conducted in Pampanga and Nueva Ecija. Chief Superintendent Ronald Santos, officer-in-charge of Police Regional Office 3 (PRO3), said that two buy-bust operations were conducted by the Provincial Anti-Drug Operation Special Team (PAIDSOT) in the provinces of Nueva Ecija and Pampanga that resulted in the arrest of the seven shabu pushers. In Pampanga, those arrested were Ariel Pangalinan, 33, a resident of Zone 1, Barangay San Basilio, Sta Rita town and listed as No. 5 in the target list of drug personalities of the town. Seized from his possession were seven pieces of heat sealed transparent sachets containing suspected marijuana dried leaves and marked money. In Arayat, Pampanga, arrested were Raul Regala of Barangay Plazang Luma who was listed as No. 4 on the priority list of drug personalities. Confiscated from his possession were seven pieces of heat sealed transparent plastic sachets containing suspected shabu. In Barangay San Rafael, Guagua, Pampanga, arrested were Tarantingan Mohammad and Mahid Jamil. Recovered from their possession were six pieces heat sealed transparent plastic sachets including the marked money used in the operation. Their cohort identified as Alex Mohammad, who managed to elude arrest. Meanwhile, in Nueva Ecija, Santos said those arrested were Benigno Angeles, 45, a resident of Barangay San Mariano, San Antonio town; Ruben Villanueva, 43, a resident of Barangay Camp Tinio, Cabanatuan City; and Elizer Quejada, 27, of Barangay Sto. Domingo. Confiscated from the arrested suspects were three pieces of heat-sealed transparent plastic sachets containing suspected shabu and marked money used in the buy-bust operations. Police filed possession of illegal drugs against the arrested suspects who are now detained at the respective provincial and town police stations. (Ric Sapnu) Source: http://www.sunstar.com.ph/pampanga/local-news/2015/04/25/7-shabu-pushers-arrested-pampanga-nueva-ecija-404270

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