Celebrate Your Birthday at Your Favorite Restaurant!


July is our favorite month, and you know why:  IT'S OUR BIRTHDAY MONTH!

Kib and I like doing something new during our birthday month and one of the activities that we do is....to eat!  We like eating something special during our birthdays and it's a bonus if the crews at the restaurant will sing a Happy Birthday Song and give us a special treat.  It's really fun to celebrate birthdays while being surrounded by strangers and everyone greets you on your special day!

I remembered celebrating our birthday at Movie Stars Cafe years ago and we were given a small piece of cupcake with a candle on it while everyone is singing Happy Birthday.  My son felt so special during that day!



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I'm so glad to know that more and more establishments are giving special treats to birthday celebrants should they chose to celebrate the occasion at their place.  I've compiled a list of establishments which give birthday treats to their customers, thanks to the help of friends who helped me build my list!  
  • Starbucks -- if you have a registered Starbucks card, you are entitled to a free slice of a cake of your choice for your birthday!  You have 60 days after your birthday to get your free cake.  For you to get your free slice of cake, you have to order any handcrafted beverage.

  • Vikings -- if you go at any Vikings buffet restaurant on the exact day of your birthday, your meal is free provided that you are with one paying adult.  However, you can still avail of the birthday promo during the month of your birthday if you are accompanied by four paying adults.  Just present an ID bearing your birth date.

  • Ippudo -- eat at Ippudo restaurant during your birthday month together with your four (4) friends and you can have a bowl of ramen for free!  Just present an ID bearing your birthday when you visit any Ippudo branches.  There is no limit on availing your birthday ramen as long as it is within your birthday month.
At Ippudo.  Too bad we're only two, we weren't able to avail of the birthday promo

  • Ramen Nagi -- avail of your birthday ramen as long as you are accompanied by one paying adult.  Order one Butao King and you will have another bowl of Butao King for free!  Just show your ID showing your birthday month.  Unlike in Ippudo, you can only avail of this birthday promo only once during your birthday month.
Happy to know that Ramen Nagi has a birthday promo, it is one of our favorite restaurants!

  • Petron -- yes, not only food establishments offer perks on your birthday!  If you are a Petron Value Card holder and your card is registered, Petron will give you additional points on your card when you gas up 30 days from your birthday.  A text message will be sent to you as proof that the additional points were credited to your card.  This special bonus points can only be availed once.

  • Kidzania --  kids holding a PaZzport is entitled to a discount when they visit Kidzania during their birthday month provided that he/she is accompanied by two paying companions.  The discount gets higher and higher depending on the level of citizenship of the PaZzport holder and the frequency of visit during the birthday month.  

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  • The Alley by Vikings -- located at UP Town Center, same with its mother company, The Alley also offers free buffet to the birthday celebrant if he/she eats there on his/her exact birthday, provided that he/she is accompanied by one paying guest.  Don't worry, your plate can still be free if you are accompanied by four paying guests should you were not able to eat there on your exact birthday.

  • Yabu --  birthday celebrant can get one free katsu on his/her birthday month provided that he/she will be accompanied by at least three paying guests who will order full katsu meals each. The birthday promo can be availed repeatedly during the birthday month, just show an ID with birthday on it.

  • Sambokojin -- Dine three days before or three days after your birthday with one paying guest and your meal is free!  Present your ID showing your birthday before ordering.
We love the wide variety of dishes at Sambokojin!

  • Shakey's -- if you're a SuperCard holder, you're entitled to one large thin crust pepperoni pizza on your birthday month.  What makes this better is that you can get your birthday pizza AND avail of the other perks of SuperCard together!  Either you get 10% discount on your dine-in purchase or get buy one, take one on your take-out or delivery pizza.  
So happy that I was able to get my free birthday pizza and avail of the buy one, take one pizza at the same time!


  • Manila Ocean Park -- Avail of Sea Breeze (Php760 per person) or Marine Voyages (Php995 per person) with three paying guests and your ticket is free!  Just go to Manila Ocean Park on your birthday month and show an ID with your birthday month to avail of the promo.
Kib was so enamored to be kissed by a sea lion!

  • Four Seasons Hotpot -- birthday celebrant can get his/her meal for free if he/she visits Four Seasons Hotpot with one paying guest on the day of his/her birthday.  Otherwise, he/she can still avail of the birthday promo within his/her birthday month if he/she will be dining with three paying adults.  Just present an ID bearing your birthday to be eligible for the promo.

  • Churreria La Lola -- get free Classicos Jr. three days before or 3 days after your birthday when you spend at least P120 to avail of the birthday promo.  Show a proof of your birth date (e.g. valid ID) upon ordering.

  • Hi-Rice Grill -- located at Marcos Highway in Pasig City, birthday celebrant can avail of the promo during his/her birthday month provided that he/she is with one paying guest.  

  • Other establishments such as TGI Fridays, Flaming Wings, Mamou, Gloria Maris, Torch, Chili's, Itallanis, and Amici will give the birthday celebrant a special treat (small cake, ice cream, etc.) and the whole crew will sing a Happy Birthday song.   No need to show proof of birthday, they will just happily give their treat to you.


Birthday promos may change yearly, so better to check it out if there are changes on the promo.  

If you still know of any other establishments that offer something special to the birthday celebrant, let me know so I can add it up on the list.

Enjoy birthday celebration with your loved one!  Memories built during celebrations are worth every centavo :) 








Prime Mom Club Launches Series of Workshops


Cooking is one of the activities that me and my son do together.  Before, he only helps me in stirring and cutting, now my son is now into cooking full meals.  I'm so glad that he loves to cook.  I can now rely on him whenever I feel sick and can't prepare meals for the two of us.  Sometimes he would even ask me what I want to eat and he'll prepare it wholeheartedly.

Now that my son is into serious cooking, I am more challenged to step up my dishes.  I have to learn new dishes to also keep my son's interest in cooking and interest in eating.  I also have to be innovative in putting ingredients together and to prettify the plate so that it will look appetizing.  

I am so glad that Mega Prime has come up with putting up Prime Mom Club to help mommies in managing their respective homes.

Prime Mom Club is a community that aims to support moms in being kitchen savvy by enabling them with tips and delicious recipes using Mega Prime's products.  Prime Mom Club had its pilot workshop for mommies last July 20, 2018 at Prime Hotel, Quezon City.  The workshop is all about equipping moms to level up their knowledge and skills in preparing delicious, nutritious, school-ready meals for their kids and the whole family.  The first Prime Mom Club Workshop included food preparation tips from a nutritionist, bento box workshop by Kat Maderazo of Bento by Kat, kitchen tips from Chef Nino Logarta, and cooking secrets by Marian Rivera.  Marian Rivera is the first-ever member of Prime Mom Club.

Check out the photos from the event:











My son also actively participated during the event.  He helped out Chef Nino Logarta in preparing the dishes and even asked Marian Rivera a question during the question and answer portion!

Kib helping Chef Nino Logarta during the event

With Ms. Marian Rivera


Mega  Prime boasts of premium canned products.  Each can contains carefully selected, high quality ingredients that are processed to preserve the authenticity of their taste and flavor.  Mega Prime is known for their sardines and canned tuna, but in 2016 they introduced canned fruits and vegetables in the market.  The canned fruits and vegetables are in easy-open cans, making it easy for moms.  Mega Prime's roster of canned fruits and vegetables include Whole Mushrooms, Pieces and Stems Mushrooms, Whole Kernel Corn, Cream Style Corn, Green Peas, Garbanzos, and canned fruits and canned sweet preserves.  

Some of the canned products of Mega Prime


Do you want to be part of Prime Mom Club?  Sign-up at www.primemomclub.com and get the latest news and tips on preparing mouth-watering dishes for your family!  Get exclusive invites and a chance to receive special gift items and products of Mega Prime!  You may also see Marian Rivera in one of the events.

Be a Prime Mom!  Prepare the best dishes for your family!





Pancake House Pairs Its Classic Pan Chicken to Other Pancake House Favorites


Pancake House is one of my favorite restaurants in the Philippines.  I like that it doesn't get too crowdy and their servings are huge.  I always order their Classic Pan Chicken because the size of their chicken is big and it doesn't have much oil when served.  I also like their tacos because it's affordable.

I got extra happy when I found out that my two favorites at Pancake House are now on one plate, weee!


Happiness overload!  My two favorite dishes at Pancake House are in one plate!

Pancake House has been industry for four decades now and they are serving tried and tested recipes which has captured the taste buds of Filipinos.  Their superb line-up of dishes made people to go back for more.  

Apart from their classic pancakes and waffles, Pancake House also offers Classic Pan Chicken because Filipinos love eating chicken.  The Classic Pan Chicken is one of the favorites that customers order at Pancake House.  





For a limited time offer, Pancake House will be offering Classic Pan Chicken Solo Plates!  For as low as Php185, Classic Pan Chicken will be paired with other signature dishes at Pancake House!  All of your favorite dishes at Pancake House are all on one plate!




In addition, customers can order Classic Pan Chicken Solo Plates at any time of the day.  And oh, all Classic Pan Chicken Solo Plates comes with one glass of iced tea.

Hurry!  Classic Pan Chicken Solo Plates are only available until August 31st!




To know more about the latest offers of Pancake House, you may follow their Facebook, Instagram, and Twitter accounts.  You may also visit www.pancakehouse.com.ph to know more about Pancake House.





Our Relaxing Experience at Balay Hilom Spa

One of the activities that I love is getting a massage.  

Once a month I schedule a massage from my favorite massage therapist.  Massage is a way for me to relieve stress.  After getting a massage, I get a good sleep and my stiff muscles loosen up.  Massage is one thing that makes me happy, hihi.

I had an invite to try the services of Balay Hilom Spa in Katipunan Avenue, Quezon City.  Balay (Ilonggo word for house) Hilom (means heal) specializes in giving traditional Filipino massage to their clients.  It is truly a house of healing because after your session with them, you will feel relieved from sore muscles and everyday stress.  The ambience is sooooo inviting; it looks like a nipa hut and you can smell peppermint all over the place.  You can also hear the sound of a kulintang (traditional musical instrument from Mindanao) playing at the background to match with the overall theme of the place.  Balay Hilom Spa is a bit dark to relax your eyes from glaring lights.


Balay Hilom Spa from the outside


At first, they will welcome you with their house blend tea.  I bet it is a combination of local herbs because it tastes really good.  Ms. Ana, the receptionist, said that their house blend tea is one of the reasons why people go back at Balay Hilom.  We were also given slippers to use while we are having our treatment.  


The reception area

Hallway on the left going to the therapy rooms

Hallway on the right going to the therapy rooms


Waiting area for the clients

This miniature instrument is being struck by the receptionist to call the therapists

Tip jar, the left is for female therapist and the right is for male therapist

Some chairs that can you see at the entrance on your left

Display rack of woodworks by Filipino artists


The slippers they provide to the clients

After drinking the complimentary tea, our feet were soaked in warm water for few minutes.  Then, we were led to our massage room.


Balay Hilom's house blend tea

Our feet were soaked in warm water before we started our massage therapy


The massage room has curtain partitions, they can open it if you are in a group.


Inside the therapy room


We had their signature Hilot Balay Hilom.  

Kib felt a bit ticklish at first, but after a few minutes he fell asleep.  After the session he said that he felt relaxed although his back was a bit sore from the pressure applied to his stiff muscles.  I told him that it is normal and it will be gone after a day or two.  

Hilot Balay Hilom is different from the usual massage that I get.  The massage started from the back going down to the legs.  The technique is more of hagod (gentle massage strokes) with minimal application of pressure on certain parts of the body.  This technique is really relaxing because the massage is more on healing the whole body and not just to soften stiff muscles.  The hot towel that they also provided after the massage has a relaxing smell too!  We were given another cup of their signature house blend tea before we go home.

Indeed the whole experience was worth every penny!  I rarely go to a spa because I feel that the money that I paid is mostly for the amenities and not the experience itself.  In Balay Hilom Spa, apart from experiencing their traditional massages, they also use all-natural ingredients on all their treatment and these ingredients are truly Filipino.

Have a spa date with your loved one at Balay Hilom Spa!




Balay Hilom Spa is at FBR Arcade, Katipunan Avenue (C-5), Loyola Heights, Quezon City (across Ateneo de Manila University).  You may visit their Facebook page for the rates and packages they offer.  While they accept walk-ins, it is better to schedule an appointment with them especially during weekends.  Balay Hilom Spa is open Monday-Sunday from 2:00pm-11:00pm.


Kib's Latest CognitiveMAP Assessment Results at BrainFit

Since Kib is homeschooled, I do not have means to assess if he is at par with kids his age and if his social skills are improving.  I am very much thankful at BrainFit because it gives me an idea on what areas I need to improve on to Kib.

Kib had his first CognitiveMAP assessment three years ago (please see post here).  I got an email from BraintFit again if I wanted Kib to have assessed again.  I said yes and scheduled an appointment with them last March 6, 2018.  The CognitiveMAP assessment lasted for almost two hours.




Curious about CognitiveMAP assessment?

CognitiveMAP is a proprietary process that BrainFit Studios worldwide use to measure the brain fitness level of the child prior to brain fitness enhancement.  Aside from allowing the BrainFit teachers to precisely identify areas for improvement, this analysis of cognitive skills also enables the teachers to help the child achieve success and peak performance.

Each child has a unique cognitive profile.  The uniqueness of the child's brain profile ascertains that the child is receiving the most optimal cognitive improvement programme to result in the best possible improvement.

Ideally, a new CognitiveMAP assessment should be done at every milestone of improvement as recommended by the child's brain fitness trainer at BrainFit.

Part of the CognitiveMAP assessment is that a parent should also answer a questionnaire to determine if the parent's expectations are aligned with the CognitiveMAP results.  It includes a list of skills and which skill a parent thinks his/her child needs to improve on.  

Here are the list of skills:


  • Attention/Focus
  • Over-activity/Impulsiveness
  • Gross motor skills/Balance
  • Fine motor skills/Handwriting
  • Listening/Following Instructions
  • Reading/Comprehension
  • Speech/Language Skills
  • Learning Speed/Ability
  • Academic Performance
  • Memory
  • Confidence/Motivation
  • Emotional regulation/Social skills

The results of Kib's CognitiveMAP assessment reflected his strengths, average skills, and weaknesses.  

Strengths (areas of the assessment which showed Excellent and High Average scores):


  • Fluid intelligence or Non-verbal IQ (essential for integrating information, grasping patterns, understanding relationships, applying logic/reasoning and problem-solving)
  • Visual memory (essential foundation for visual-based learning, spelling, visualization and attention/focus)
  • Visual spatial-relations (essential foundation for learning alphabets and numbers, grasping geometrical and Math concepts, and organization of space)
  • Eye control accuracy (essential foundation for accurate reading, eye scanning and attention/focus)
  • Working memory (essential ability not to only remember a sequence of verbal information, but also to manipulate the information, critical for Math performance and multi-step sequential problem-solving)

Average skills (Average scores):

  • Handwriting speed (reflection of sensory-motor processing speed and fluency)
  • Sensory-Motor: Balance (essential foundation for body posture, mental efficiency and attention/focus)
  • Fine motor regulation (essential ability to control finger fidgets and motor restlessness, allowing one to stay attentive and focused)
  • Visual reaction time (essential ability to process and respond to auditory information rapidly, critical for efficient learning and quick thinking)
  • Visual impulse control (essential ability to not overreact to visual information, critical for accurate processing of visual information, examination performance and social skills)
  • Overall attention ability (essential ability to focus, concentrate and not daydream, critical for learning and school performance)
  • Auditory attention (essential ability to focus on verbal information, critical for absorbing of verbal instruction)
  • Visual attention (essential ability to focus on visual information, critical for accurate visual processing)
  • Visual discrimination (essential foundation for reading, Math learning, handwriting, accurate work and attention/focus)
  • Visual form constancy (essential foundation for learning the alphabet, numbers, shapes, sizes, orientations and other spatial concepts in Math)
  • Eye control relative speed (essential foundation for reading and eye scanning speed)
  • Social skills (essential ability to behave and interact positively in social situations, critical for positive emotional functioning)
  • Crystalized intelligence or Verbal IQ (essential for acquisition of word knowledge and general information, understanding of verbal concepts and reasoning ability)
  • Number fluency (essential ability to rapidly process information and important foundation for reading, comprehension and recall of Math facts)
  • Number memory (essential ability to remember a simple sequence of numerical verbal information, critical for recall, attention/focus and Math learning)
  • Word memory (essential ability to remember a simple sequence of non-related non-verbal information, critical for recall, memorization of facts and attention/focus)
  • Sentence memory (essential ability to remember sentences, critical for the ability to follow directions, effortless comprehension and fluent writing)

Weaknesses (Poor and low average scores):

  • Overall impulse control (essential ability to give careful thought before acting, critical for examination performance and social skills)
  • Auditory impulse control (essential ability to not overreact to verbal information, critical for accurate processing of verbal information, examination performance and social skills)

I reviewed Kib's previous CognitiveMAP assessment and I would say that he improved especially in his motor skills.  BrainFit recommends that he should be more involved in doing physical activities to further develop his motor coordination.  He also still needs to work on his impulsivity.

I highly recommend that you let your child undergo CognitiveMAP assessment at BrainFit.  It will help you understand on what areas of your child's development you need to put more focus on.  The teachers at BrainFit are also highly skilled so you can entrust your child to them.


To know more about BrainFit, you may visit their website at www.brainfitstudio.com.  You may check their Facebook page for updates.  You can also email them at brainfitph@gmail.com or call 668-2719, 725-8500, or 0917-5991992 for appointment and other inquiries.




Get Rid of Melasma with Pynocare


We all want to have a blemish-free skin.  Honestly, I also do not have good skin.  I have lots of acne marks and have big pores on my face.  I have undergone series of derma treatments in the past to get rid of acne and acne marks and to be honest, my pocket also suffered due to high cost of treatments, added to the painful procedure that I have to undergo every time I go to the skin care center.  In addition to that, I am always in the hunt for the best skin care products because I am afraid that a particular skin product will damage my sensitive skin.  Skin care is a very important part of my life because I always want to look fresh and pretty (naks!).

One of the skin problems that people suffer is melasma.  Melasma is a skin condition where there are dark spots which are skin-deep.  It looks like dark patches on your skin and most commonly found on most protruded parts of the face (forehead, cheeks, nose bridge, etc.) and body.  It is commonly caused by sun exposure as UV rays trigger overproduction of melanin levels in the skin.  In addition, melasma can also be caused by hormonal imbalance (during pregnancy, ageing), indoor UV rays (from lights, electronic devices, etc.), and harsh cosmetics (like astringents, creams, facial wash, etc.).

Melasma can be easily hidden by putting make-up everyday, but once you remove the make-up, the problem is still there.

Good thing there's Pynocare, the first-ever safe and effective anti-melasma capsule for skin pigmentation.  It is 100% natural and consists only of ingredients which have long been proven effective.  It has MSCC (Melasma Skin Clear Complexion) which is a patented combination of powerful antioxidants such as Procyanidin and Vitamins A, C, and E that can lighten dark spots.  This combination of antioxidants also target the free radicals which causes overproduction of melanin.




Pynocare promises of visible results after eight weeks of taking 1 capsule two times a day after meals.  After two months, the individual must take 1 capsule a day as maintenance.  

For some, seeing results after two months may seem forever, but bear in mind that Pynocare contains natural ingredients, and natural ingredients provide better and lasting results over synthetic ones, so be patient in seeing the results you desire.


Pynocare is dermatologically-tested, so there's no need to worry about the adverse effects that you will have once you have start taking it.  





Leave the dark behind.  Counteract dark spots from deep within with Pynocare!




One box of Pynocare contains 20 capsules.  You can buy Pynocare over-the-counter at Mercury Drug, Rose Pharmacy, South Star Drug, St. Joseph Pharmacy, and other leading drugstores nationwide at Php1355 per box or 67.75 per capsule.  Pynocare is not recommended for people under 18 years of age, is pregnant, and is breastfeeding.  Best to consult your doctor first before taking Pynocare.

Are You Ready for Your Retirement?

Now that I'm in my 40s, I am starting to prepare for my retirement.  Some may say it's a bit late for me to think about it, and some would think that I am overreacting to prepare for my old age.  But for me I believe it's just the right time for me to do so because I was already able to save some money and manage my expenses very well even if I have an unstable income being self-employed.  The Lord has indeed blessed me with so much that He is now challenging me to step it up to further grow the blessings He has given to me and my son.

You will just wake up one day and reality will start to sink in that you're about to retire and won't have an income to expect monthly.  I remembered this TV commercial before that a company threw a party to the retiree but the retiree seems not to be happy about it, probably because he/she doesn't have enough savings to cover his/her remaining years.  

One of the fears a retiree has is that if he/she has enough savings to use until he/she dies and if he/she has enough funds to cover for medical treatment.  

This is where financial literacy comes in.

There are a lots of articles available online and offline for us to read on how we can manage our finances efficiently.  Aside from that, there are also seminars and workshops that we can attend to know more about financial management and to have a hands-on experience on doing calculations in our finances.  It may sound intimidating at first, but once you have learned the basics, you will start to be more conscious about the decisions that you will make in terms of budgeting, investing, and spending.  

So the question is: How do I prepare for my retirement?


Photo by rawpixel.com from Pexels



PREPARING FOR THE FUTURE


First and foremost, one must have a goal.  Goals should be specific, time bound, and realistic.  For example, you want to have your own house in ten years' time, so you will make sure that within that period, you will have your own house.  You will do all the necessary actions to save money and to hunt for the best deals available so that you can have a house of your own.  You must be committed to the plan that you have made so that you will be able to achieve your goal.

Second, save.  It is a common practice that we only save what is left after we have deducted all our expenses.  The right way of saving is allotting a specific amount monthly which is not being affected by your expenses.  You 'force' yourself to save.  It may a bit difficult at first, but once you get the habit of saving, you will no longer see yourself 'forcing' to save money for the future.

Third, have an emergency fund.  Emergency fund is different from your savings as this is the fund that you will utilize when something unexpected happens (e.g. hospitalization, car repairs, death, etc.).  You must also commit that you will only touch your emergency fund when your main income has depleted.  It must not be used to purchase a new gadget or a new appliance.  Be sure to determine what is emergency in nature and not.

Fourth, get an insurance.  I was offered an insurance in my 20s but I was not that committed to pay for it and I am not that knowledgeable about insurances.  As a result, it lapsed after four years.  I wasn't informed about the consequences of non-payment, and the insurance agent who offered me the insurance didn't guide me very well.  It may seem to be a bit late to get an insurance at my present age, but then nothing is too late when you start preparing.  The only consequence is that the premiums are higher compared when I was younger.  

Fifth, make more money.  It means work harder, grow your money by investing or putting up a business.  Investment may come in different forms, which I will discuss later.  Of course, how can you prepare for retirement if you will only be contented with whatever you are earning right now?

Sixth, seek advice from financial experts.  Financial experts are there to answer all questions that you may have in managing your finance.  They will analyze your risk profile and will suggest the best investment plan for you.  Financial experts are not just to earn money from you, but to really help you grow your money.  Choosing the right financial expert to help you will also make you feel secure about your money.  Have a discernment to choose one based on their knowledge, work ethics, customer service, availability, and honesty.  Choosing the right financial expert to work with you is based on trust, so make sure that you are comfortable to discuss money matters with that individual.  It can be just someone you have met at an event, a colleague, or a friend.  However, it doesn't always follow suit that the financial expert that you will consult on should be a close friend.  Sometimes, too much familiarization makes the business transaction go haywire.  

Lastly, stay on your course.  Stick to your plan on saving and investing.  Don't worry, you're on the right track.


CHOOSING THE RIGHT INVESTMENT FOR YOU

There are lots of information out there available for you to read on how you can save.  There are also lots of investment plans available out there too, but bear in mind that the type of investment that you will get into must match your risk profile and the amount that you are willing to invest.  Some investment packages require higher amount but it has also higher yields and there are some investment packages that are friendly to the pocket but only offers average to low yields.  In addition, when you invest, it also depends on how long you intend to save (long-term or short-term).

Let me discuss the available ways for you to save and invest:


  • Savings/Time Deposit/Emergency Fund--these are for your short-term investment plans and for easy withdrawal in times of need.

  • Investment--for your long term needs.  Put an amount on this type of investment that you will 'forget' for a long time and just check from time to time if it grows or not.  The money you saved in investment is intended for your future needs like travel and retirement.  There are different types of investment (money market, stocks, bonds, mutual funds, etc.) and the rates fluctuate every now and then so choose the right kind of investment based on your risk profile (high, moderate, low).  Ask a financial expert to determine your risk profile.

  • Insurance--this will serve as a legacy to our loved ones.  While some may feel uneasy talking about death, but we will all go there.  This will serve as a seed money for our loved ones in starting all over again.  There are other kinds of insurances which caters to your other needs (e.g. medical, travel, car, etc.).

  • VUL (Variable Universal Life)--or in other words, an insurance with investment component.  It gives you the best of both worlds, balances your financial goals and needs.  The insured reaps the living benefits (gains) and the beneficiaries and death benefits.

We can easily reap the fruits of our savings and investment during our lifetime so we must be wise enough where to put our money.  Just like the saying goes, "Don't put all your eggs in one basket."




WHERE TO PUT YOUR MONEY

Now that we have determined the different types of savings and investment, the next question that you have in mind is: Where do I put my money?

We have heard of a lot of investment scams on the news and people nowadays are now more careful on where they will put their hard-earned money.  There are a lot of factors to consider in choosing the right financial institution for you and will help you grow your money.

Generally speaking,  almost all financial institutions offer the same products and services, they just have different terminologies for each kind.  One thing that we have to check is if it is regulated by the right government agency (Insurance Commission for VUL and other insurance products, SEC for investments, and BSP for banks).

Apart from that, one must also look for the following criteria:

1.  Longevity of the company (how long the company has been running in the business)
2.  Track record of the company (the positioning of the company in the industry)
3.  Accessibility/Reliability (if it is easy to do transactions with the company during pre-sale and after-sale)
4.  Trustworthiness (how confident are you in the company that the company will take care of your money)
5.  Quality Service (timeliness of the delivery of requests, regular updates, and technological advancement of the company)

You can put your money either in the bank (the most basic financial institution for saving money), investment company or insurance company.  


THE BEST TIME TO SAVE

Any time is the best time to save!  There's no such thing as wasted time when you start investing.  As long as you have enough money and you're strongly confident in your current financial state, then start growing your money.  We don't know what the future holds for us, so we must be prepared for those uncertainties.

Of course, we must always pray to God for wisdom.  Our money is His money so we must consult Him on how He wants to grow what He entrusted to us.  We must not also be foolish in investing.  A lot promises that your money will grow in a short period of time; we must take it as a red flag if our money will grow at an immense rate.  The growth of our money should always be aligned with the current market rate.  

I won't be recommending companies or financial institutions where you can put your money in my blog.  I blogged about this to give you an overview on how you can save for your future, but should you want to discuss your future financial plans, I can recommend  a financial planner for you, just send me a message thru my Facebook page or via email.

May God always grant you the wisdom and discernment in all of the decisions that you will make, particularly in finances.