Ayan. Nagsalita na sila. The Philippine Presidential Debates

We recently had the Presidential Debates with all five candidates present. Vice President Jejomar Binay, Davao City Mayor Rodrigo Duterte, Senator Grace Poe, former DILG Secretary Mar Roxas, and Senator Miriam Defensor-Santiago were there to present their case. The event was held in Cagayan de Oro City and shown through GMA 7.

BeamAndGo tends to agree with the recent Rappler report saying the event was more about personality. Ganoon naman talaga dito sa Pilipinas. Mahalaga ang personalidad at kahit pa maraming marurunong daw na nagsasabing dapat plataporma ang mas mahalaga, ang mismong pagkatao pa rin ang tinututukan ng mga Pilipino. Kahit ano pa ang tulong na maaaring maibigay halimbawa ng mga tulad ng BeamAndGo, marami lang talaga ang nakasalalay sa mga ihahal natin pagdating ng Mayo.

Hindi naman yata mali ito. It’s really just a matter of being able to balance the two. Una, kung hindi mo mapagkakatiwalaan ang tao, walang mararating ang kung ano pa mang plataporma. Parang lang ‘yang magiging palamuti sa damit. Porma lang.

Kailangan talagang mapagkakatiwalaan ang isang tao kasi sa loob ng anim na taon ng panunungkulan ng isang Pangulo, maraming bagay ang maaaring mangyari. Nariyan na ang mga biglaang trahedya. Nariyan din ang mga OFW katulad ni Albert Go na pumuntang Singapore dahil sa matinding isyu ng income tax at high cost of living sa Metro Manila. Ang kaniyang blog post Lowering Taxes and preventing a balikbayan controvery ay isa lamang sa mga kwento ng milyon-milyong kababayan natin na nagkaroon ng oportunidad sa ibang bansa.

Can this or that candidate react fast enough, effectively enough without pointing fingers?

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Photo taken from GMA 7 video.

Pero, hindi rin puedeng personalidad lang. Mahalaga ang plataporma. Kung wala itong kwenta, para namang mangmang ang ating Presidente at madaling itulak dito at doon ng kung sinu-sino depende sa ihip ng hangin. Sabi nga ng bansag isang comedy show noong late 80s hanggang early 90s: Ang Pambansang Panggulo.

So how now brown cow?

Dapat balanse. Since the Presidential Debate is still fresh in our minds, let us deal with the personalities first. We’ll deal with the platforms in a later post. (Kalma lang, ha? Gagawin natin iyon. Wag mag-alala.)

Wala tayong kakampihan dito. Babalikan lang natin ang mga sinabi nila mismo noong Presidential Debate sa GMA 7. Hopefully, this will give us a good glimpse on who these people are and what priorities they have so that we can see if their priorities align with ours. We also won’t make comments here whether their claims are valid or not. We will just focus on what they said. It is up to you to determine if you believe something can be done or not given the time frame the candidates themselves give.

VP Jejomar Binay

For VP Binay, the main problem facing the nation is poverty.Binay sloganHe asserts that he was able to help make Makati the way it is now – rich and prosperous. He stresses that he is a decisive and effective leader who is not bogged down by analysis-paralysis (ibig sabihin, hindi siya napaparalisa dala ng kakaisip). He also pointed out that there was underspending in government which led to under-performance. It is because of this underspending that some people have died without having received the necessary medicine.

On the issue of political dynasties, his position is that as long as a person is qualified and is willing to serve, this should not be a hindrance to public office.

Davao City Mayor Rodrigo Duterte

Mayor Duterte focused on the problems of crime and Duterte Slogancorruption. He promised to clean up the country and rid it of crime and corruption within three to six months. He explained that he will go after criminals and even put them to death as long as these actions are according to the rule of law. He said he would use the military and the police to go after these lawless elements.

He said that corruption was still the problem of the Philippines and that as long as there were incompetent or corrupt officials, things would remain the same.

Being from Mindanao, he also touched on two major issues: The national budget allotment of Mindanao and the Bangsamoro Basic Law. He complained that only 19% of the infrastructure budget was given to the area while 65% went to Metro Manila. He then asked how Mindanao was to develop with such a disparity. He is an advocate of federalism (allowing each region or state to have its own power without having to rely on the power of the central or national government) adding that he’d even offer this to Moro National Liberation Front chief Nur Misuari.

Senator Grace Poe

Senator Poe said her administration would allot 30% of the national budget for Mindanao adding that it was important for jobs to be created in the region. Her plan included the creation of a Mindanao Rail system, cementing around 2000 kms of roads, and the rehabilitation of dams to generate electricity. She expects these projects, especially the one for road creation, to provide temporary jobs but with the long-term benefit of attracting more tourists and investors to the area, which would then create a more steady job market.

Regarding the controversial BBL, she says there should be more transparent discussion of issues and should involve Maguindanaons, Tausugs, Badjao, and other groups like indigenous peoples and Christians.Grace Poe slogan

She approached the issue of nation building from the point of view of being a mother. She admitted being the newbie of the bunch but insisted that she had already seen what was needed by the government. She continued by saying that one does not need a long tenure as an executive to realize that the government’s help in things like transportation was sorely lacking.

She advocates change in agriculture calling for free irrigation and the creation of agri-industrial zones where the Departments of Agriculture and Trade and Industry would work hand-in-hand to promote the products of farmers. Included here is replanting of coconut trees to maximize the yield per hectare and identifying what high-value products should be planted by our farmers so that they reap the maximum benefit for their labor.

Former DILG Secretary Mar Roxas

The former DILG Secretary opened up the whole affair with his “driver” analogy asking what kind of driver would be best for a country. Unsurprisingly, he ended the analogy saying that one with the proper experience and the confidence of his former employer would be best.

Roxas SloganHe touted the achievements of the present administration saying that the economy had improved as evidenced by the numbers of the National Economic Development Authority and that Mindanao has had twice the amount of infrastructure in the last five years as compared to the 12 years prior to that.

He also spoke on the need to help the country’s fishermen by means of granting non-debilitating loans, providing them with fish-finder technology, and setting up post-catch facilities in the areas where the fishermen operate so that fish are sold fresher and profits are bigger.

He did not deny that he, himself, has had a good life but shared that it was such a life that he also wished for all Filipinos, one that was free from hunger and fear and one that allowed a person to freely dream.

Senator Miriam Defensor-Santiago

Senator Santiago was her fiery self though a little less than what most people were used to.

She lamented the fact that though there was so much corruption, hardly anything had been done about it. Regarding all the promises made by her opponents, she addressed this by saying it was so easy to make promises but it was much harder to talk about implementation. She focused on the poverty programs mentioned and asked where the money would come from to get any of this done.Santiago slogan

She called for a bigger budget allocation for education, rural infrastructure, social welfare, and health care for the poor.

She also spoke on the issues of political dynasties and the problem with China. She advocated negotiations with China and other Asian countries adding that both the Americans and Chinese were merely trying to impose their will on the Philippines. She also expressed her opposition to political dynasties while admitting that a much clearer definition of what constituted such should be made.


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Photo taken from GMA 7 video.

Okay na?

Elections are not one-shot deals. We need to keep a close watch on these guys who make a lot of promises but may just point fingers at other people when things fail, people are already complaining, and blame is being hurled. Sisihan na kumbaga.

Why is this important? The President of the Philippines can easily determine how good or bad the lives of your loved ones will be for the next SIX years! Just imagine what a lousy President can do to the education of your children. Di ba gusto mo ring makauwi sana at hindi na umalis sa Pilipinas? Kung magaling ang Presidente natin, baka maging totoo iyon. Kung hindi, baka matagal pa ang kalbaryo mo na malayo ka sa asawa’t anak mo.

Isipin mo na lang din: Kaya nga nandito ang BeamAndGo para makatulong sa iyo at sa iyong pamilya. Makapagpapadala ka ng pagkain, gamot, at kung anu-ano pa sa kanila. Hindi ba maganda kung sa gobyerno mismo nararamdaman mong panatag ka parati na maaalagaan mo ang mga mahal mo sa buhay?

Meron pa tayong mga panahon para magpasya. Wag sana nating isarado ang ating isipan. Itong mga debateng ganito ang isa sa mga maaari nating gamitin para kilatisin nang maayos itong mga taong gustong mamuno sa atin.


BeamAndGo friends in Hong Kong Salu-Salo event


多謝: Salu-salo ng mga OFWs sa Hong Kong!


Nagkasama, nagkita, at nagsaya ang mga Beamers, kanilang mga kaibigan, at ang mga kasama natin sa BeamAndGo sa isang salu-salo sa Hong Kong at kasama ang Mindanao Hong Kong Workers Federation (MinFed).

12716206_477443055798049_1169629487784935227_oNagkatuwaan ang lahat sa mga games at mga raffle na ginawa. Aside from the games and raffles, there was a lot of sharing and enjoying each other‘s company. Ganoon ang Pilipino. Pag nagsasama-sama, may tawanan, mahalan, at siyempre pa, kainan! Para mas maganda, nagbigay ng mga regalo ang I-Remit at Generika Drugstore. May duda pa bang mahal tayo ng mga merchant natin sa BeamAndGo?

Sa Generika pa lang, sampung tao na ang nakakuha ng mga t-shirt at may sobrang swerte pang nakakuha ng Php 1000 na gift certificate na maaaring gamitin sa BeamAndGo. Sigurado at ligtas na ang pagpadala sa Pilipinas ng pambili ng gamot, libre pa. Saan ka pa?

Sa I-Remit naman, may mga nakakuha ng powerbank (hindi na sila malo-low batt!), selfie sticks, mga multi-purpose mesh cases, sling bags, at windbreakers! May pang selfie na, may pamporma pa sa panahon ng taglamig. Wagi!

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Nandoon ang mga bida natin sa BeamAndGo – si Jonathan E. Chua, Albert Christian Go, Vanessa Cartera, Tom Acuesta, at Raizza Encinas. Nagtulong-tulong silang lahat para siguraduhing buo ang barkada lalo pa’t pagpapasalamat at patuloy na pagtulong ang pinag-uusapan. Namigay din sila ng mga naggagandahang mga BeamAndGo t-shirts.

Sikat na sikat dito siyempre ang MinFed. Pinasalamatan talaga sila sa event na ito dahil na rin sa mga naging pagsuporta sa BeamAndGo at sa pagtatanghal ng kulturang Mindanao sa ibang Pilipino at sa mga ibang lahi. Makikita ngayon ng iba na hindi lang Luzon o Visayas o dili kaya’y Metro Manila lang ang Pilipinas. Hindi kukulangin sa 26 ang mga miyembro nilang dumating.12696953_477443822464639_7671935342286487578_o

Sabi ni Cindy Pesidas Encabo, kasalukuyang namumuno sa MinFed, ang pinakaproblema nga raw ng mga nagtatrabaho sa Hong Kong ay ang paglustay ng perang padala nila.

Narinig na ninyo siguro ang kwentong ito: Magpapadala kunwari ng Php 1000 ang isang OFW para sa groceries ng pamilya sa Pilipinas. Malalaman na lang ng kawawang OFW na kalahati lang pala ang ginamit sa groceries. Ang natira, pinanlibre na ng mga kabarkada ng kanilang paboritong toma o alak.

Dahil sa mga digital GC ng BeamAndGo at sa pagtuturo sa kanila, mas naging handa na ang isang OFW sa mas siguradong pagpapadala sa Pilipinas.12657807_477443685797986_1912665462331426362_o

Naikwento ni Cindy na nung una, nagdududa pa sila dahil daw hindi pa naman matagal na kumpanya ang BeamAndGo. Pero natuwa silang lahat nung nasubukan na nila kung gaano kadaling bumili ng GC at ipadala ito sa pamilya sa Pilipinas. Hindi lang ito sobrang daling gawin, mas maganda pa ang naidudulot nito sa mga mag-asawa o sa iba-ibang mga kapamilya.

Halimbawa dito ang mga mag-asawang dahil hindi nagkakasundo sa pagbili ng pang-araw-araw na pangangailangan, nauuwi sa sigawan. Dahil sa BeamAndGo at sa mga GC nito, hindi makapaglulustay ang isang tao ng perang padala ng OFW.

Kita mo na? Nakatutulong ang BeamAndGo para mas magkaunawaan ang mga mag-asawa habang napangangalagaan ang kapayapaan sa pagitan ng mag-asawa.


Mga masasayang Beamer kasama si BeamAndGo CEO, Jonathan Chua, si Vanessa Cartera at si Raizza Encinas.

Siyempre, we also had visitors. HelperChoice was there to give a short talk on how they could help OFWs especially in finding good employers and protecting themselves from abuse.

Ganito talaga dito sa BeamAndGo. Masaya na, marami ka pang makikilala para hindi ka malungkot. Bukod pa doon, may mga matututunan ka ukol sa pag-alaga ng pera mo. Sagot ka namin. 

Baka hindi ka pa namin member. Para talagang matulungan ka namin, punta ka lang dito. Hihintayin ka namin. Kapag di pa kayo kumbinsido, panuorin niyo na lang ang video ng Salu-Salo sa ilalim.


Who can you trust? 6 things Filipinos want in our next President

Presidential Elections! One of the most important things in the life of a Filipino. Kailan pa ba tayo maaaring makapili ng mamumuno sa atin? Dito may pagkakataon tayong sabihing “Tama na!” sa isang politiko at itulak naman sa bagong uri ng paglilingkod ang isa pa. Fun times! Kadalasan nga, fiesta pa, di ba?

Paano nga ba tayo pipili ng tamang kandidato? Marami silang ipinagsasabi diyan – ipagpapatuloy ang isinulong at ipinaglaban ng ama, mahirap lang din daw siya, sa diretsong daan daw yung iba, may kamay na bakal naman ang isa, at kung anu-ano pa. Maraming drama at maraming kwentong isinusulong para lang isipin mong naaayon sila sa mga bagay na pinahahalagahan mo.

The latest Philippine Trust Index (the one for 2015) indicates that there has been a very noticeable decline in how much trust the President of the Republic now has. In 2012, it was around 28%. Now, it’s a much lower 15%. Amusingly, trust in the Senate and the Congress is even more saddening with 10% and 8%. Paano naman ang local government? Dito medyo mas maganda. Sa mga sangay ng goberyno, ito ang pinakamataas ngayon ang rating.

Ano ngayon ito sa iyo?

Panahon mag-prioritize! Kailangan nating isipin kung ano nga mas makabubuti para sa atin, sa ating pamilya, at sa ating buong bayan.

Sabi nga ng Philippine Trust Index, ito ang mga nangungunang pinahahalagahan ng mga Pilipino:

  • Ensure national peace and security
  • Help the poor address their basic needs such as housing, food, and education
  • Improve Philippine economy
  • Put corrupt politicians in jail
  • Prepare communities for disasters and calamities
  • Provide better job opportunities for Filipinos

Kita mo na? Tama naman ang pinahahalagahan natin. Gamit itong mga ito, una siguro nating gawin ay salain ang mga politikong nangangako ng kung anu-ano at tignan kung may tumutugon nga ba sa mga nabanggit natin sa itaas. Game? Game!sample_shading_ballot

Itanong mo ang sarili mo ang mga sumusunod:

  • May mga nagawa na ba siya ukol sa binanggit natin sa itaas?
  • May plataporma ba siya para sa peace, security and order?
  • Ano ang masasabi niya sa pagtulong sa mahihirap para matugunan nila ang mga pangangailangan para sa tirahan, pagkain, at pag-aaral?
  • May kakayahan ba siyang ipinakita na sa pangangalaga ng ekonomiya?
  • May lakas ba siya ng loob at kakayahang ipakulong ang mga tiwaling mga politiko kahit kaalyado pa?
  • May programa ba siya para sa tunay na paghahanda sa mga kalamidad?
  • May naipakita na ba siyang kakayahan o may nagawa na ba siyang proyekto para makapagbigay ng trabaho sa mga mamamayan?

Hindi puedeng sikat lang. We’ve seen the governments of the countries we’re in. We’ve seen how they work and how they are able to get concrete change done. Hindi ba natin puedeng ipangarap ito para sa sarili nating bansa?

Maraming Pilipinong nawalan na ng pag-asa sa mga dapat naglilingkod sa atin kaya iniisip nilang sila na lang ang bahala sa buhay nila, sa pamilya nila.

It can’t be like that. We have to do our work, do our part in nation building but we also have to make sure that we elect good people to office. Hindi puedeng yung sikat lang. Hindi puedeng yung anak lang ng kung sinong sikat din. Dapat siya, may nagawa na rin. Siya mismo. Hindi rin puedeng yung namimigay ng t-shirt, kendi, o kaya pera pa.

Part of our trying to make our lives better as OFWs even if our politicians are still trying to get their acts together is making sure our own families get fed and get what they need so that they’re healthy and able to do what they want to do with their lives.

Hindi ka nga politiko pero puede ka pa ring makatulong. Paano? Nandito ang BeamAndGo para siguruhing mas makakatulong ka. Dahil mas makasisiguro kang maayos ang padala mo sa mga mahal mo gamit ang BeamAndGo, panahon na rin na ipakalat mo ang balita sa mga kakilala mo. Share mo lang sa kanila ito: www.beamandgo.com o kaya panuorin niyo lang kung papaano makakatulong ang BeamAndGo sa mga OFWs na katulad niyo.

Kaunti lang itong tulong. At least sigurado ka na ang mga padala nila sa mga kapamilya nila ay makararating nang maayos at hindi maaaring lustayin sa maling paraan.

Dinner dates and love songs: Valentine’s na uli!

Ikaw ba ay nakapulang damit?

Kilala ang mga Pilipino bilang malalambing at romantikong mga tao. Di ba nga ang pinakauri ng musika natin ay ang Kundiman – mga kantang may hugot na lungkot at pangungulilang galing sa mga salitang “kung hindi man.”

That’s how we are, di ba? We actually live and breathe love songs. Halos lahat ng mga sumikat na kanta sa atin ay tungkol sa pag-ibig – “Bakit labis kitang mahal?” “Dahil sa ‘Yo,” “Maalaala Mo Kaya?” “Wala nang Iba para sa Akin,” “You’re My Home,” at pagkarami-rami pang iba. Ngayong Valentine’s siguradong ganyan na naman.

Isipin mo na lang: Nasa dalampasigan kayo ng mahal mo at palubog na ang araw. Pagod kayo pareho pero dahil nga araw ng mga puso, dapat may kaunting pasyal at may munting date kahit papaano. Romantic sunset e. Paano ka nga ba naman makakahindi? Tapos, habang naka-HHWW (holding hands while walking) may isang magsisimula ng paghuni ng paborito o theme song. Kung wala masyadong nanonood, aba, kanta na! Kahit minsan may mga tao sa paligid, hamo lang! Bakit ba? In love naman e. (Wag nga lang sana wala sa tono, ha?)

Siguro, meron din sa ating love story naman ng mga parents ang naaalala. Sweet din naman kasi mga parents natin no? Roses, chocolates, minsan may wine pa nga e. Magsusubuan pa ng kaunting pagkain.

That’s the Filipino Valentine’s Day scene. Do you remember your last Valentine’s?Valentines-Day-Hero-2-H

There are many of us, working for our families in other countries – Hong Kong, Singapore, Malaysia, Indonesia, Saudi Arabia, Qatar, Italy, the UK, Canada, and so many others – who have not been able to share the joy and the songs of the day of hearts. Hindi biro ang pagtatrabaho sa ibang bansa at mas lalo natin itong nadarama sa mga araw na tulad ng Valentine’s. Ang sarap kayang kumain ng hapunan – kahit ano pa ang handa – basta kasama ang pamilya.

Fact is, for most of us, we just can’t. I mean, who really wants to be apart from one’s loved ones? But when it’s financial needs that we have to face, sooner or later, the idea of leaving for another land just comes into the picture and many of us have chosen that.

Sana naman hindi ninyo nalimutang “hero” kayo ng pamilya ninyo. Miss nila kayo pero hinahangaan din. It’s no joke to be accepted for work in another country and it’s no joke to be asked to continue working in those countries.

Ngayong wala ka, paano maaaring buhayin at lubusang ma-enjoy ang Valentine’s? Subukan mong magpadala ng bagong special pack ng BeamAndGo!

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Free delivery ito at puede kang magpadala hanggang February 29! Di ba? Napaka-Pinoy. Hanggang dulo ng buwan puede. May mapagpipilian kang paketeng may mga iba-ibang uring sabon tulad ng Peppermint at Lavender Aromatherapy Soap. May mga pakete namang may mga massage oil. Punta ka lang sa aming online store.

Ano excited ka na ba?

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Dagdag Sahod Pang OFW: Sino ang dapat makinabang?


We recently talked about domestic workers in Singapore now having a minimum salary of SGD 550. That’s a good thing, of course but too many of us don’t know what to do with even an extra SGD 50 or SGD 100. Meron pa nga diyang nakapulot lang ng Php 20, di na alam ang gagawin.

The main idea is this: Continue to live like you were still earning your old salary. Yes, treat yourself to something good or special. Movies are expensive in Singapore so you may want to choose that. Have a nice pepper or salted egg crab dinner with cereal prawn and some satay on the side. What about a day in Sentosa, Jurong Bird Park, Singapore Zoo, or Universal Studios? You deserve that.

BAG-160124-001However, after the little treat to yourself, go back to living frugally. This is actually your best chance to save. You do this effectively by revising that budget you started making as suggested in a previous blog post. (Find it here.) Don’t think about this money as a bonus. Think of it as an opportunity.

An opportunity for what? Marami.

There are many choices but here are some:

1) Send at least 30% of that extra to your mother and father. If you are now getting SGD 100 more, 30% is SGD 30 or Php 1,000. That’s Php 12,000 for a whole year! Hindi na masama iyon. To make things more secure, go to BeamAndGo.com and send them a gift pack they didn’t expect. Next is to make this a regular thing they can count on month on month. Get started here.

2) Put at least 30% in the bank. If you don’t have a bank account yet, open one but take note of the minimum monthly balance. DBS, POSB and OCBC are excellent banks and though SGD 30 may not seem much now but when you have SGD 360 more in your account at the end of the year, that’s definitely something to smile about. Be careful with the minimum maintaining balance. For example, you may need to have at least SGD 1000 in your account every monthly. If you can’t maintain that amount, you may get hit with a penalty resulting in your losing money little by little.

3) What about the remaining 40%? Find an investment plan. The banks in Singapore or the local insurance companies in the Philippines offer various investment products. The younger you are, the better to start because the benefits are bigger for much less money.

That 40% not enough for an investment plan you want? You can also redirect a little from your present budget to get that investment plan. Don’t think about this will result in more money leaving your pocket now. It will be a better future for you if you invest while you can.

4) One other option is just splitting the extra funds into half or a 40%-60% split. One part for your parents and one part for your investment into the future.

5) Look into medical insurance for your parents or your kids. There are different options, of course, but consult with your family doctor to determine what is the minimum needed. Need some options? You have PhilCare and Standard Insurance to choose from. Try looking here.

Also, make sure they are already enrolled properly with PhilHealth.


Standard Insurance

6) Send your parents or your spouse and kids a goody bag using BeamAndGo. Yes, you can’t go to the supermarket with them but with a BeamAndGo digital gift certificates (GC), it’s almost the same thing. Have you gone to Gaisano Mall or Iloilo Supermart with them? Get a GC at one of the participating supermarkets and make sure to have them send you photos. It’s not only for memories, it’s also a way to bond with them. Do that here.


Mag-shopping na para kina Tatay at Nanay!

The bottom line here is that regardless of how much money you make, you really have to have a budget and you need to stick to that budget. Though you should be happy with this new reported increase, you should also realise that on the whole, it’s not a whole lot of money and you have to make the best use of it as possible.

Many times, helping your family with the everyday necessities is part of what you can do best. BeamAndGo makes that happen and you start doing that by clicking here.

Dagdag Sahod Pang OFW: Wag ipagsapalaran

The Philippine Daily Inquirer recently ran a story saying that employers in Singapore now have to pay domestic helpers at least SGD 550. This is SGD 50 more than the former minimum amount of SGD 500. This developed after the Indonesian embassy in Singapore made an announcement that domestic helpers from that country had to be paid SGD at least SGD 550. While the Philippine embassy in Singapore did not come out with an announcement of its own, it was reportedly processing fewer applications for the employment of domestic helpers since many of the applications made mention of salaries deemed too low. What does this mean? Domestic helpers in Singapore thus get a pay raise of SGD 50 to a maximum of SGD 150 depending on how much they currently get. So, paano? Gimik na? Maybe it’s best if we begin by talking about what not to do. Pero paano mo nga ba malalaman kung paano at ano ba ang dapat mong iwasan? Siguro naranasan mo na dati na maraming lumalapit o umaaligid sa iyo basta may pera ka. Ganoon talaga. Basta meron ka, kapag tumaas ang sahod mo, may gusto agad makinabang. Ang malungkot, minsan iyong itinuturing mo pang kaibigan o mismong kamag-anak mo pa ang ganoon. What we need now is to discuss what we shouldn’t be doing with our money especially in a place that’s not our country. These things we DON’T suggest you do:

  1. Be a guarantor in someone’s loan. There are just way too many stories of friendships crumbling and a kawawang Pilipino having to avoid jail time because he or she was a guarantor in someone else’s loan. How does this even start? Person A wants to get a loan because of whatever reason. Gambling is one reason and starting a new business is another. Problem is, Person A needs a guarantor so that the lender of money will allow the loan. What this means is that if you become the guarantor, you’re telling the lender that if Person A, who borrowed the money, can’t pay the loan, the lender can look at you and ask you for the money. You sure you want to be in that situation? Also, be aware that some money lenders are notorious in Singapore for resorting to scare tactics or even physical violence to get their money back. Just check the news. If someone asks that you become a guarantor, politely say “No.” If that “friend” doesn’t meet with you anymore after that, congratulations! You’ve been able to find a “non-friend” and you’re better off being far away from that person.
  2. Start lending money. When some people hear that you’re now earning more, they think that it’s okay to borrow money. No, you do not become an evil person if you say “No.” This is both for Singapore friends or friends and family back home. Real friends and family will understand. Fair-weather friends who are only out to get money will leave. Best to know now who they are and find some real friends who will love and care for you regardless of how much money you have.
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    Sabi nga ng matatanda: Walang manloloko kung walang magpapaloko.
  3. Start looking for business opportunities indiscriminately. Some people will entice you with this or that get-rich scheme wherein you have to be a member of their group and pay regular fees.
    Naku, may extra money ka? Maraming bubulong sa iyo kung paano ka raw puede makinabang dito. INGAT! Kadalasan, yung nagbulong sa iyo ang talagang makikinabang.

    Unless you’re very business-savvy or have someone who can truly look after your welfare, don’t fall into this trap. Even those supposedly proven companies listed with the New York Stock Exchange require you to buy and sell their consumer products costing four, five, six, or even more times than your usual toothpaste, shampoo, soap, etc. These products may be nice but face it, to make real money, you need to recruit more people and you just don’t have that time unless you want to risk not doing your real job.Also remember: Doing business is not for everyone and it isn’t easy. The greater majority of start-ups end up closing their doors and the owners looking for work. There is no shame in admitting that you’re really best in working with an organisation rather than leading one. Forcing yourself to lead an organisation when you are obviously not the next Mark Zuckerberg may just be disastrous. Worse, that trust your present employer has in you may forever be lost.

  4. Give in to the usual requests. People will ask for what they usually ask for – chocolates, shoes, laptops, cell phones, tablets, etc. Unless it’s Christmas, give a very gentle “No.” When it is Christmas or maybe someone’s birthday or graduation, have a definite budget for gifts. Listen to requests and consider them and then put these requests beside your set budget. If they don’t fit in your budget, they don’t fit in your budget. Move on. There are more important things like looking at what your family REALLY needs.
  5. Get involved in a one-way relationship. Yes, you may be lonely at times but there will always be people who truly value you who will not keep asking for material things. If you notice that in your relationship, you need to keep paying for trips, food, and even clothes, cell phones, computers, etc. you are definitely in a relationship that’s beneficial for just one party and that party is not you. Get out and find friends who don’t care how much money you have.

So ano na lang ang gagawin mo? Pag-uusapan pa natin ito at dapat mong abangan ang mga maaari mong gawin sa pera mo.

Ang una mong dapat gawin ay tignan kung ano nga ba ang mga tunay na pangangailangan mo at ng pamilya mo sa Pilipinas. Dapat sa mga ito naaayon ang mga plano mo.

Actually, it’s only in the beginning where this is an issue. You have to figure things out at the very start, stick to it as much as possible, and only changing your plans when true emergencies happen. Remember: Hindi true emergency and bagong labs na iPhone na gusto ng asawa o kapatid mo.

Ang pinakamainam mong gawin ngayon? Pumunta na sa BeamAndGo at pumili ng mga bagay na tunay na kailangan ng mga minamahal.