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Messages - ysanity

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1
Money / Re: What po ang stable na Educational Plan?
« on: September 02, 2014, 05:28:13 pm »
^not just appealing sis talagang value for money. :-) check also the fund statistics of the insurance companies, they will show you the history and stability of the company. :-) AXA dominates variable products. :-)

2
Money / Re: What po ang stable na Educational Plan?
« on: August 22, 2014, 02:01:17 pm »
Hi, first, kaylangan alamin natin ang difference ng pre-need at insurance company. Ang CAP is a pre-need company. :-) Check the background, stability and products na ino-offer ng bawat company.

In AXA Philippines, we offer Axelerator and AcademicX and Academix Exential designed for your child's future education. Pero hindi lang sya pang education lang talaga. Axelerator is also for retirement. Diba other insurances kaylangan pa kung anong school plan mo pag aralin anak mo then from there, they will compute. Here in AXA, that's your money, kung ano nasa contract mo, yun ang ibibigay sayo, wether sa ganito mo sya pag aralin or sa iba. And not necessarily for tuition fee lang. Ang maganda dito, naka secured and design na future ng anak mo, pero if ever kaylanganin mo sya sa ibang bagay sa panahon na kaylangan mo or sa year na you plan to get it, magagamit mo sya. Depende sa product. And and maganda pa, like the Axelerator and Academix, VUL sya, investment link, aside from the guaranteed sum insured, you are earning dividend depende sa  chosen fund mo. You can invest as low as 1,500 monthly for 5 years.

By the way, AXA is worldwide. No. 16 sa 500 countries around the world.

3
Money / Re: is it ok to invest in royale business club?
« on: August 22, 2014, 01:53:23 pm »
hi sis, ive been through a lot of LEGIT networking in the philipines. Basta make sure na may product at hindi scam ang sasalihan mo okay naman. Bandang huli, isa lang natutunan ko, you have to work for it. Kasi kung mag iinvest ka lang pero hindi ka naman kikilos ng bongga through selling and recruiting, hindi ka yayaman ng bongga. You really have to work for it. Yan ang natutunan at narealize ko. :-)

4
How do you discipline your child/children? Pinapalo mo ba sila? pinapagalitan? Do you listen to them? Sumisigaw kaba? Hinahayaan mo lang ba?

I attended an Orientation regarding disciplining our children. The speaker is from Save the Children.
 It talks about Positive Discipline.
The difference of punishment and discipline.
Corporal punishments and how to raise a good child.

Read On.

http://aquariusmom.blogspot.com/2014/07/how-do-you-discipline-your-child.html

Hope this helps and enlighten our minds :-)
Hope this helps. :-)

5
Life insurance is a very noble and rewarding work. Noble kasi alam naman natin na Filipinos are medyo hindi pa ganon ka open when it comes to insurance. So its our noble job to open their minds and help them realize how having an insurance is very very important. Yung iba kasi nare-realize lang kapag nagyari na sa kanila. Maraming insurance ang may investment at hindi lang pag na-tegi ka saka make-claim. Marami na magagamit mo sa mga future needs mo kahit buhay kapa. :)

6
Money / Re: What po ang stable na Educational Plan?
« on: July 07, 2014, 04:58:20 pm »
MommyJazz
True sis! My parents got educational plan for my youngest brother sa CAP. And wala kaming nakuha until now. Ask na ni mama ko if pwede pa daw ba kuhanin kahit after 5 years ng graduate yung kapatid ko. Pwede paba?
Before ako napasok sa insurance and investment company, super negative din ako sa mga plans na ganyan. While on training, dun ko narealize yung difference of CAP which is "pre-need" nga, insurance companies and banks like time deposits. Actually real story, sabi ko non kay hubby, mag save kami kahit tig 1k lang monthly then lagay namin sqa envelop, hindi pala.

Pre-need companies like CAP, is not regulated by insurance comission which kaya nalugi ang CAP kasi, wala silang "reserve" na tinatawag yung in times of contingency, may fund na makukuha ang mga tao, Kunwari sa isang buong barangay nasunugan, lahat yun policy holder ng isang company, dapat may more than enough "contingency reserved fund" para maibigay sa policy holders, which yung CAP, walang ganon,  they used their own CAPITAL for the claims ng mga policy holder kaya nalugi.

Time Deposits or Bank Savings, super baba ng return, 2.25% is super aggressive na. Tapos may tendency na nagagalaw natin, tapos sasabihin natin sa sarili natin palitan nalang or punan nalang yung winithraw natin. Parang nag-save ka lang sa sarili mo. With a super minimal interest. Banks are short term needs.

While on Insurance lalo na yung tinatawag na Investment link, ibig sabihin nito, may guaranteed amount ka aside non, naka link sya sa investment depende sa flow ng market. It depends din kasi sa piliin mong fun. Safest or no risk, mababa lang ang return. Pero if you are an aggressive investor, mas mataas risk, mas mataas din ang capital. Some of the well know, stable and reputable insurance company nasa 20-40% average return of rate. So depende talaga. It's a life insurance na naka link sa investment. Hindi lang yung pag na tegi ka saka lang makukuha ng beneficiaries mo, ito, you can withdraw or loan or use as collateral sa bank. Long term naman ang usapan dito. Pwede sya educational, retirement, income protection, wealth accumulation. Kasi it's your money, they will give you what they promised, its up to you when and where to use.

HTH!  :)

7
Party Planning: Birthdays and Baptism / Re: 1st Birthday Party
« on: July 07, 2014, 03:56:50 pm »
Hello! You may check my baby's 1st birthday. Some of the stuffs are DIYed by yours truly. Candlyand Sweet Shoppe ang theme :)

http://aquariusmom.blogspot.com/2014/04/since-my-earlier-post-was-about-my.html

Thank You!

8
Money / Re: Please help me start my apparel business (shoes and clothes)
« on: October 06, 2013, 11:29:22 pm »
^thanks sis finally. :) i have a supplier na.. now my problem is where can i get the shoe label or sticker para own name ko.

9
Money / Re: Please help me start my apparel business (shoes and clothes)
« on: October 03, 2013, 04:25:25 pm »
^ hihi.. kaya nga sis eh. mukang wala. :( :)

10
Money / how to start apparel business (shoes and clothes)
« on: September 08, 2013, 01:32:05 am »
Hi, been thinking about opening my own line of apparel. I would like to start first with shoes then clothes.

Here are the questions that been bugging me and I really don't know what to and where to.

1. Where will I get the best deal when it comes to shoes? Most affordable, Style and Quality. Liliw Laguna? Marikina? or from china and bangkok? Was thinking of look for a supplier that will make my design for shoes in Liliw or Marikina then have my own apparel name imprinted on the shoes, where can i get this also? Or if in China/Bangkok, I'll buy RTW shoes of course then have my brand imprinted here in the philippines.
I can't decided, also, I wanted to sell my products in the most affordable price that I can give, my target prices are only 400-700 at most (slippers, sandals, shoes and heels). If I'll travel abroad, the fare, hotel, tax etc will add up to the expense and if the divisoria shoes are from china, yes really cheap, yes stylish, but the quaity is at stake. And if il get here in liliw or marikina, can they deliver me the 3 standards of affordability, stylish and quality that im looking for. And do you know suppliers that can offer me this?

2. Clothing. same as my shoe line. is it better to look for direct RTW supplier? in china? bangkok? divisoria? or get seamstress and fabric supplier? if ill get RTW where is the cheapest and most stylish? and kind of unique na hindi lahat meron. kasi sa divisoria halos pare-pareho although super mura. or if ill get a seamstress and fabric supplier, mas low cost ba?

Please help me. thanks all.  :)

11
Sissies, meron ba sa divi para sa candyland sweet shoppe theme ng baby ko? Plates, cups, giveaways basta lahat po ng pwede sa theme? Thanks!

12
Yaya Solutions / Saan pwede mag school yaya ko?and paano setup?
« on: February 20, 2013, 03:28:46 am »
Basahin sa Smart Parenting. Click this to read full article.
May free Online Courses Ang TESDA

ILLUSTRATOR ISTOCK

Yung yaya ni baby, mukang gusto mag aral this coming semester. tapos na sya ng 2 years course na computer ata yun. di ko alam kung gusto niya ipagpatuloy para maging 4 years or kukuha sya ng new 4 year course. may alam ba kayo or saan pwede? yung scholar, free or mura tuition fee?wala kasi ako idea talaga. and paano pala ang set-up? sino pay ng allowance niya? tuition fees? etc? saka gusto ko sana gabi or weekends lang ang school niya kasi kami ni hubby is both working. thanks. :-)

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13
Party Planning: Birthdays and Baptism / Re: Party Venues in Quezon City
« on: February 15, 2013, 01:30:33 am »
hi, anyone here have a contact and know ang rental fee ng la vista in katipunan & avida clubhouse new manila? Thanks :-)

14
Hello! Im looking for a venue within Q.C, manila, san juan and makati area yung private po na pwede for pool/swimming party. 4-5 hours rental, poolside sana (not function rooms/halls) kasi set up ko sa sude ng pool tables, activities, lahat. Prefer ko sa condos & or clubhouses na affordable like 5k below rental. Yung cousin ko sa Avida binondo daw 5.5k pero refundable yung 2k. So mga 3.5k lang sya. Im looking for more options. Many thanks! :-)

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15
Party Planning: Birthdays and Baptism / Re: Birthday Preps for May Babies
« on: January 23, 2013, 10:35:57 pm »
Hello! My 1st baby's 1st bday is on May 5. Weekday yun kaya im
Planning to gawin on weekend. Si hubby and his relatives mostly sa province sila, then ako dito sa manila kami pati friends and relatives ko. So plano ko, plano palang, mag celebrate sa province saka dito sa manila para fair on both sides. :D baka 2consecutive saturdays namin gawin. But the problem is, were on a budget! Kakatapos lang din kasi ng wedding kaya grabe gastos. Pero gusto ko nama bigyan ng party kahit papano baby ko! :-) gusto ko hawaiian luau theme swimming party! :-) pareho dito sa manila and province! Colors are pink, green, orange and yellow. Since budgeted, baka marami rin akong i-DIY. First of, kailangan ko po muna ng venue. Poolside ang gusto ko hindo function rooms/halls, within q.c, manila, makati, san juan lang ang venue para accessible sa mga bisita. Tapos nga mga 4-5 hours lang po.  Target ko sa mga clubhouse and condos. Ayoko ng private pools kasi mahal at malaki sya masyado, hindi ko rin need ng rooms. Nakita ko yung sa Robinson's place sa may tandang sora, perfect yung lugar ganda ng pool saka yung side niya enough para sa tables etc. mga 100pax lang plan namin adult & kids. Kaso ang layo sabi ni hubby mga 30min pa from cubao kung saan kami nakatira, mas malayo sa mga ibang taga manila & makati. Baka po may mai-suggest, sponsor kayo na poolside. Hindi ko po need ng big pool, ambiance lang pinaka habol ko. Sana yung rent is 5k below. Thank you! :-)

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