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Showing posts from July, 2014

Thoughts from a Mega Banker: Financial Skills For Fellow 20-ish Pinoy Yuppies

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I may have financial successes and failures at different points in my life but if there is anything I am proud of, it is that I have stuck with my plans even through privations.

I am living frugally now because I have a lot of responsibilities to pay. I’m currently paying off equities for a pre-sold home (at age 23!), mobile data plan, premiums for a life insurance, premiums for a funeral plan (I know right?), saving for future plans (which I am not able to do yet) like finishing my postgraduate studies or travelling and investments like funding my stocks and mutual funds through Citiseconline and FAMI Equity accounts respectively.

I didn't need to wait until I reach the pinnacle of my career years to educate myself towards financial independence. I take it upon myself to learn about personal finance as early as I can even if I am still a rank-and-file employee. Ignorance is the biggest cost we pay, so we have the responsibility to continually educate ourselves in order to prosper…

Thoughts of a Mega Banker: 14 Tips to Outsmart your Credit Card

Working for the biggest financial in North America fortified everything I know about Philippine credit cards. There are better resources online but let me share you what I know about this great financial tool and how you can use it to your advantage and not the other way around.

"The plastic" is very convenient and rewarding to use that is if you know how to use it wisely.

14 Ways to Outsmart your credit card
Always pay it in full based on your "outstanding balance". (Note: not minimum, partial.) This is where we make money from fees like finance, interest, or transaction fees.Get a card which suits your lifestyle. If you are a frequent flyer, then use card that gives you reward like miles. Make sure you get the best deals of the best card. Do not pay for annual fee ever. That is not to say that you don't pay it at all, just ask them nicely over the phone if they could waive it let's say for the first year or the first three years. I made this mistake and so…

That Tea Place in BGC That Will Revitalize You

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When in BGC, you might want to check this really cozy place with eccentric interiors in splashy colors serving you with Japanese food worth trying out.

Tokyo Bubble Tea
Fort Bonifacio Unit 1 & 2
G/F, The Fort Residences, 30th St., cor. 2nd Ave.
Fort Bonifacio, Taguig City
Telephone Number (02) 478 7483






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MBA Diaries: Awesome Things To Know Before Starting Business in PH

There are a lot of resources that gives an in-depth discussion on the requirements needed to legalize business here in the Philippines. The fundamentals and documentation requirements in filing for these make the very foundation of the entrepreneurial work we are to embark in. 

From single proprietorship, partnerships and corporations, requirements differ whichever the government deems necessary and suitable.

There is going to be a great deal of work to be done when starting up but since the DTI has actively devised the Philippine Business Registry, getting into business has never been easier.

SSS and BIR requirements are very long, specific and at times, arduous but are very important in nation building through tax collection and pension planning of everyone in the industry not just with the employees we will employ but our own as well. I couldn’t stress the importance of PhilHealth requirements too in ensuring our labor force are well taken care of.

Corporations whether stock or non-…

Finance Tips for Young Filipinos from a Young Mega Banker

I currently work for North America’s largest mega bank and there is so much we can learn about finance from our developed counterparts. Fear is another concern among us Filipinos young and old alike. But if there is something we have proven the world, it is that we rise significantly from almost anything.

It has been a generally accepted fact the Filipinos loath risk, meaning we tend to dodge risks especially in investing and how we view entrepreneurship. One evidence of which is our huge money in Savings accounts. 

“BSP numbers pegs bank accounts (Savings, Checking & Time Deposits) at about P5 trillion while Special Deposit Accounts (SDA) at approximately P1.5 trillion.”  - MoneySense Philippines - A big lump of the money of the Pinoys is not actually being put in investment vehicles and is not reaching their full potential. While bank accounts are really safe, their earnings are waaaaay below price increases rates on commodities (inflation) which means for every year we keep money…

The Widest Selection Awesome Food Haven at BGC

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While in Bonifacio Global City (BGC), you may want to check out Mercato Centrale just right across MC Home Depot. It's plasters an al fresco dining experience that gives the best of both worlds.

Mercato gives a rundown-ish feel with the open tent venue but the wide food selection is just top notch, fitting those who have the penchant for the fine things in life.

If you want a place that is so laid-back that you and your work buddies are going to have a great time but still want to succumb on some tangy gellato, creamy soft velvet cupcakes, delectable seafood, Japanese bentos or mouthwatering lobsters, then this is the place to be.

It opens from 10 PM to 3 AM every Friday and Saturday and just right at 34th street and 8th avenue. You won't miss it as it is the only area bustling with lights and sounds amidst closed shops nearby.








Don't just sit there! Rally up your buddies this breaktime to Mercato for some pig out sessions!

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Instagram Photo Stories of Tantalizing Taguig and Mesmerizing Makati

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It's definitely a challenge for someone to move out into a great big world. It's frightening at first but once you get the hang of it, everyday just seems to be a wonderful experience. 

I've been known to be someone who definitely never settles down on his comfort zone for I will not achieve the things I did if I didn't become outgoing, driven and passionate in life, a lover of the world and everything that goes beyond this short existence. 

I think it only gave a few seconds of shock even to my closest of friends and family when they have known that I have relocated to the National Capital Region for good to pursue professional interests and went immediately to their daily lives as usual when the shock wore off. Not that they don't care at all, I guess, but I think there is nothing left for me to prove myself to them that they just trust everything I do no matter how unpopular my decision might be at times.

I've ranted how hard it is to live here in Manila in t…

Maple of Pancake House now opens in Cebu! @mapleph

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MaplePH is Manila’s premier all-day fine-dining restaurant where modern cuisine meets a family friendly atmosphere. The restaurant features western-styled comfort food with an American trained chef, international methods and top quality ingredients. 

Inspired by classic children’s fairy tales, service staff pay extra attention to ensure that all guests, young and old, are transported to a home away from home. 




Maple Cebu features breakfast items such as the

gourmet Prime Rib Tapa and the Philippines’ “best” Pancakes, 
lunch favorites such as the

MAPLE Burger and low calorie Fish Tacos, and 
delectable entrees including

`Drippin’ Baby Back Ribs and the hand crafted Spaetzle Jambalaya

MaplePH ’s debut locations in Makati, Mandaluyong and Alabang are already getting raves for its unique blend of casual and modern food fare.

This July 26, 2014, they will be opening of their first provincial outlet in Ayala Center Cebu and it would be their privilege to have you.

Like Maple Cebu on Facebook toda…

Walking By Your Faith

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There is a church my family here in Manila and I frequent to, and it sits idly in the middle of an alluring exclusive subdivision in Cavite.

St. Benedict Church Westgrove boasts of perfectly manicured landscaping, minimalist and pure architecture whilst letting people breathe into the essence of their faith. I suggest you pay a visit and attend a mass whenever you have the time. 








Places of worship, religion and the mass celebrations should only be tools of communication between you and your Creator and should not be the only basis of your spirituality. Incorporate Him in everything you do. Pray wherever and whenever you can especially in your moments of doubt and despair because I have been told that God hears better than a Hallelujah, as one song goes. But when you are in a stage of your life where, like me, you wake up thanking Him for all the blessings, joys and praising Him even with the challenges you have, never forget to check in to Him as much as you would check in your Facebook…

Squisito Dining Experience at an Italian Kitchen in Nuvali

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I was glad to have spent my weekend last week at a great new township in Laguna, just a few hours drive from home in Taguig City via the picturesque South Luzon Expressway; and with it comes our usual gastronomic pampering from the week that was.

Kuya Jokit and Ate Thesz brought the whole family over Nuvali Sta. Rosa to eat and attend the Holy Mass. We stumbled across this great homely pizza place who boasts of their Italian cuisine. The ambiance and scent of the place really transports you to a whole new level of 'prelibato' dining that is family-friendly and customer-centric service. Crunchy 'squisito' crust pizzas, Cheesy mac and cheese are to die for. Check out these snaps and hope you could invite us over for an afternoon so we can breathe Italy once more while staying just right here in Manila.





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Selfies at Awesome Overlooked BGC Art Masterpieces

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Taguig is nothing like what you see in indie films, documentaries and news reports you see on TV featuring Metro Manila. It brandishes the best places to live, work and play in the country today. 

Living costs are worth it since you really can’t put a price on security, convenience and artful stylish living that can make use of your creative frugal skills. In fact, business districts here are comparable to Venice and New York. Worth moving out into, I must say. Like any beautiful places, it is dotted with great art installations that sadly doesn't get the attention they deserve.

"Kasaysayan Bawat Oras Art Piece." There are beautiful art installations from where I work, the Bonifacio Global City (BGC). It is made of reinforced brass sheet and cement and after searching online found out that it is actually a "sundial-slash-educational playground." This sundial, which is actually a functional time guide, serves as a "metaphor for Philippine history" and th…

10 Things That Every Filipino Should Do To Live a Great Life

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As part of branding efforts to make NNC Region VII's initiatives relevant, fresh, professional and appealing to the general public, they availed of my expertise and received outputs that would somehow help champion the causes of this amazing agency.

To know more about the details about the project, read on:

How to do Kickass NNCRVII Rebranding and Awesome Social Media Strategy

While you're at it, I present you the 10 Online Nutritional Guideline Posters for NNCRVII:












Behind the scenes:


Like facebook.com/nncrvii now and be updated with more health and lifestyle tips!



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