Lia de las Llagas, Financial Advisor

For those with children

𝟴 𝗙𝗜𝗚𝗛𝗧𝗦 𝗪𝗢𝗥𝗧𝗛 𝗣𝗜𝗖𝗞𝗜𝗡𝗚 𝗪𝗜𝗧𝗛 𝗬𝗢𝗨𝗥 𝗞𝗜𝗗𝗦

Saw this somewhere and it was immensely helpful and challenging.

Parenting is hard. Parents have to choose their battles.

Here are 8 fights worth picking with your kids:

The Reading Fight:
Make your kids read. Because reading is tied to everything from cognitive development to the ability to focus. Make your kids read now.

The Outside Fight:
Make your kids go outside. The natural world teaches us things. Plus, outside there's sunshine, fresh air, and exercise waiting for them. Most importantly, nature is full of things in short supply in our world: Discovery, wonder, peace, joy.

The Work Fight:
Make your kids work. I’m saddened by how many parents don’t require their kids to lift a finger at home. There are priceless life principles you can only learn with a mop in your hand. Let sweat be their teacher.

The Meal Fight:
Make your kids eat as a family. Our lives are a blur of incessant activity. Meals together are a physical pause to recover a truth so easily sacrificed at the altar of busyness. Nothing's more important than family.

The Boredom Fight:
Make your kids live with boredom. Don't show a DVD on each car ride. Kids need unscheduled time. And, odd as it sounds, boredom is a skill. It's hard as a parent to deal with the assault of boredom complaints. But if you give in and fill up their time with external stimuli, you'll raise an activity addict. Make them learn how to be.

The "Me First" Fight:
Make your kids go last. Not every time for everything. But enough to remember that the world doesn't revolve around them. Take the smallest piece. Give up the remote. Do someone else's chores. Fet their least favorite choice. They won't like it, but they need it.

The Awkward Conversation Fight:
Make your kids have uncomfortable conversations with you. S*x, dating, body image, values... Your kids will roll their eyes and resist. You will stumble and stutter. They need and want your perspective, lessons learned, and wisdom.

The Limitation Fight:
Learning to live within limits is a valuable life skill. In fact, many adult problems arise from an inability to accept them. Screen time limits, dietary limits, activity limits, and schedule limits are all good.

As a parent, you have to pick your battles. They're not easy, but they're worth the fight.

*𝘊𝘰𝘱𝘪𝘦𝘥 𝘧𝘳𝘰𝘮 𝘋𝘢𝘷𝘪𝘥 𝘔𝘰𝘳𝘳𝘪𝘴 𝘰𝘯 𝘛𝘸𝘪𝘵𝘵𝘦𝘳

Nice surprise for this young and newly-wed couple. We were just doing their annual policy review for their individual policies and we did their cash flow coaching to know if their finances are still healthy, we found out that they have extra funds left that can be used to start saving for their future child/ren's education fund.

It was timely that in celebration of Manulife Philippines' 115th year, we collaborated with Adidas to give away 115 pairs of UltraBoost sneakers of their choice or store vouchers. I told them they were eligible to join even if they don't choose the FutureBoost plan I proposed to them, and would they like to be registered in the raffle?

In the end, they chose another plan but still were drawn as one of the lucky 115 winners nationwide!

Congratulations again, Mr. & Mrs. R-G! 🥳💚

Practical reminder now that air travel is now more open than the last couple of years.

Beware as the sky’s open for travel .
If you travel by air a lot, beware of over friendly chatty seat neighbours.
The older lady comes and sits next to me inside the plane. She asked me to help her put her bag in the overhead luggage compartment. But a gentleman sitting across quickly came through. (I am not very tall and the overhead luggage compartment is something I try to avoid at all costs.
Immediately she sits down she strikes up a conversation. She was very pleasant and well spoken. So we chatted all through the flight to Dubai.
Suddenly, when the pilot announced that we were now proceeding to begin our descent into DXB, my good friend 'developed' stomach pains. Me with my good heart, I pressed the stewards button, and the stewardess came to find out what the problem was. I told her my seat mate was not feeling well.
And this lady, she suddenly began to address me as 'my daughter'. The stewardess told me that there was nothing they could do except give her some painkillers and wait until we landed. The pilot announced that we had a medical emergency on board and advised us all to stay calm. My new friend was crying and sweating like crazy. And she refused to let go of my hand... everyone assumed we knew each other.
So we landed at DXB and the same gentleman who helped put up her luggage in the overhead compartment removed her luggage. But as he removed the luggage, he advised me to distance myself from this lady and make it clear to the cabin crew that we were NOT travelling together. He was a godsend!
So indeed, the cabin crew came and asked me if we were related, I categorically told them we had met on the plane. I didn't know her at all. So we began to deplane and as I said goodbye she kept begging me to carry her handbag. I was so torn... but the gentleman looked me in the eye and emphatically shook his head. He passed me a note telling me to let the cabin crew handle her.
So I exit the aircraft and leave my 'new friend' to wait for the wheelchair and be handled by the cabin crew feeling very guilty.
As we waited for our luggage to come through, I hear this commotion. My 'new friend' was running, trying to escape the cabin crew, having gotten out of the wheelchair! She left the stewardess with her handbag and just ran towards the exit with the rest of her hand luggage! Luckily the airport police were faster than her. They got hold of her and brought her back in handcuffs.
This lady starts calling out to me.. my daughter... my daughter!.. how could you do this to me..... that's when I caught on. She was carrying drugs and she was trying to implicate me!
Luckily for me, the gentleman who had helped her with her luggage came forward and told the airport police that me and her had just met on the plane. The police took my passport and asked her to reveal my full names if it was true we were travelling together. By God's grace, I had not even told her my first name! I was still asked to follow the police to a little room where I was questioned extensively. Where did I meet her?... where did I board... where did she board. Etc... And my luggage was extensively searched and dusted for fingerprints.
They dusted all her luggage and my fingerprints were not found anywhere on her luggage or on her handbag!
I was let go with advice never ever to touch anyone's luggage either in flight or at the airport. So from that day, I don't care how much luggage you have, you will deal with it yourself. I will not even offer you a trolley to put your luggage on! Your luggage... your problem.... is my policy. And if you can't reach the overhead compartment, and I am the nearest person, please call the cabin crew because all I will do is give you a blank stare and then look away!
A lesson to glean therein for intending air travelers. 👇

One of mama’s lessons for us: hindi kasalanan ng isang tao na ipinanganak siya na mahirap, pero kasalanan niyang tumanda at mamatay nang mahirap.

In short: bawal ang tamad sa pamilyang ito.

So errday we hustlin’ 💪

Life is about priorities. When you're young, it's all about having fun, but once you get older, it's all about having money.

Interested to know more about Financial Literacy? Explore lifelong learning with us!

Join us here: tgfiph.com/premium

Less effort and expenses for us! 💚 Makes sense kasi hindi naman nababago ang records of birth and death, sa marriage I understand because there’s annulment.

PERMANENT VALIDITY OF THE CERTIFICATES OF LIVE BIRTH, DEATH, AND MARRIAGE ACT, PASADO NA SA SENADO

As the principal author of Senate Bill No. 2450 or the Permanent Validity of the Certificates of Live Birth, Death, and Marriage Act, we’d like to thank the sponsor Senator Revilla for seeing the measure through. We’d like to thank our colleagues for their support of this measure.

Malaking ginhawa ito lalo na para sa mga kababayan nating nag-a-apply ng trabaho, passport o kaya para sa kanilang pag-aaral. Malaking tipid ito sa pera, oras, at pagod.

Dapat nating gamitin ang lahat ng mga technology na available na para maibsan ang paghihirap ng ating mga kababayan sa pagproseso ng mga importanteng dokumento. Umpisa pa lang itong panukalang batas na ito sa pag-simplify ng mga bureaucratic process. Masaya akong naipasa ito.

Lets get it! 💚 Happy Monday, everyone!

Ready na ba tayong lahat for His surprises? 💚

Happy Mother's Day to: the mamas, grandmas, foster moms, step moms, the not-yet moms, the furbaby moms, the should-be moms, the grieving moms, the solo moms and all the men doing the mother and father jobs too!

Cheers to us! May your day be void of chores! 😉💚

In case you live nearby, here’s an event for your kiddos on May 1st. 💚

The Nutty Scientist are back at Estancia for an exciting science show for your kids this May 1, Sunday, at 3PM!

Pre-register for FREE here: https://forms.gle/2zbuQdHKA3f2A3peA

What are you waiting for? Kids aged 4 to 12 come aboard! It’s gonna be a fun afternoon of learning, play, and a whole lot more!

**This is an OC Card-exclusive event. Not yet part of the Ortigas Community? Simply scan the QR code on the artwork or click here: http://onelink.to/xx58zg

PSA. Slightly off topic but sharing here since our family are Mcdo fries lovers and we experienced this last week, no large fries available.

Our regular fries are extra special these days! Here’s Why.

Yes or Yes? Sabi nga ng ating mga favorite girls AKA Twice. 💯 true 😉

Re-sharing because it still holds true. Have a blessed Holy Week 💚

HAVE YOU EVER BEEN DENIED A VISA?

I have. It was painful.
I was a 25-year old missionary.
I was applying for a US visa because someone invited me to give a talk there.

But in the application form, it asked for my net worth.
I asked a friend beside me, “What does net worth mean?” (Back then, I really didn’t know what it was!)

He said, “Your assets. Do you own a house?”
I told him, “Nope.”
“Do you have a car? If yes, what model?"
“Yes. A jeep. The one assembled in the backyard. Model? 1943."
My friend looked at me with pity.
“If you were to sell it, how much?”
“P1500,” I said.
Shocked, he asked, “What?”
“Actually,” I said, “that’s what I’m willing to PAY anyone who wants to take the jeep out of my hands. It conks out every other day. I’m already praying for its future owner. For patience amidst tribulations.”
He sighed, “Do you have money in the bank?”
“None."
“None?”
“None.”
“So your net worth is in your wallet?”
“I guess so,” I said.
I opened my wallet, counted my money, and wrote the answer on my application form.
Obviously, my US visa application was denied.
And it hurt.

When I was 25, I had nothing.
When I was 30 years old, I STILL had nothing.
But that was the year I decided to CHANGE my financial life.
That was when I become an investor and entrepreneur WHILE doing mission work.

20+ years later, things are a little bit different in my life.
I don’t have a problem getting a visa anymore.😂😂😂
Today, I enjoy Financial Freedom.
What is that?
When my earnings from my investments can pay for ALL my expenses.
So if I choose to, I can stop working.
But I still work because I love my work.❤️
And most of all, I love being generous to God's work.😁

But in my heart, I’m still the same as when I was 25.
Because everything I have is on temporary loan.
God is the true Owner of all that I have.

Prospering doesn’t have to be selflish.
It can be very selfless.😁

Dear Friend, I pray that you PROSPER so that you can prosper others.❤️

By the way, ARE YOU MARRIED?
Make your family grow towards Financial Freedom too!
How? Join me on April 23 for the TRULY RICH COUPLES RETREAT.
Change your financial life.
Click below:

trc.ph/couples

The annual inflation rate in PH rose to 4.0% in March 2022. This figure is near the upper end of BSP’s projection of 3.3% to 4.1% for the month.

Credits: Rampver Financials

Reposting because I can relate. Kayo din ba? 💚

𝘚𝘢𝘥 𝘯𝘶?

Allow me to give you an opportunity to practice ABUNDANCE MINDSET:

Join our team and let us help you fulfill your goals and make 𝗲𝘃𝗲𝗿𝘆 𝗱𝗮𝘆 𝗯𝗲𝘁𝘁𝗲𝗿.

We have several slots left for this week's Career Orientation Program:

𝗟𝗮𝘁𝗲𝗿, 𝗠𝗮𝗿𝗰𝗵 𝟵 (𝟱𝗣𝗠) | 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆, 𝗠𝗮𝗿𝗰𝗵 𝟭𝟮 (𝟵𝗔𝗠)

I can register for you, just send me a message 🙂
https://form.jotform.com/MPMarketing/Mar02-12_OnlineCareerOrientations
________________________________________

This was the caption on the post by Negosyo Avenue PH:

Reality Check ✅
This is the Sign na need mo magdadag ng Another Source of income lalo na sa panahon ngayon hindi pwdeng sakto lng para sa family natin.

Sobrang sipag mo namn, halos buong araw mo nag sacrifice ka pero minsan naitanong mo na ba sa sarili mo na "Masipag nmn ako pero bakit ganun?" Hindi ka makaipon kasi daming Bills sa water,bahay, kuryente at iba pa... May gusto ka mabili pero hindi mo maibili minsan inuutang mo pa para mabili mo or iipunin mo tapos pagnagastos ipon ka na namn

Kaya kung dumating ka na sa punto na yan, Need mo na gumawa ng paraan para makabangon at makaalis sa Cycle na ginagawa mo ng ilang taon na paulit ulit.

Kung di mo gagawan ng paraan, wala kang aasahan na pagbabago sa life mo.

Tips:
Iwasan ang scarcity mindset, hindi pwedeng pwde na or sakto lng. Have a Abundance mindset friend ❤ Choose a Right Opportunity.

With several horror stories of hacked accounts recently (I myself experienced this a few years back), I learned my lesson with weak passwords.

Change password, guys! Make it stronger, as strong as you 😉

A strong password is very important. This chart explains why.

🖼️: https://trib.al/E80tXtf

Our password tips: https://trib.al/tuBJL5j

Have a peaceful weekend, guys! 💚

ASH WEDNESDAY IS A DAY OF:
✓FASTING (18-59 YEARS OLD)
✓ABSTINENCE (14 AND ABOVE)

A friendly reminder from your HugotSeminarista family:

Today is ASH WEDNESDAY. As Catholics, we are encouraged to do the following practices: FASTING and ABSTINENCE.

(1) FASTING
- It is a form of penance that involves limiting kinds or amount of food or drink consumption.
- Catholics who are 18-59 years old are eligible to this practice.
- Days of fasting (with abstinence) are Ash Wednesday and Good Friday.
- During fasting, the faithful should only eat 1 regular meal and 2 small meals (should not exceed the main amount of the main meal)
- Fast is broken by eating between meals and by drinks which could be considered food (milk shakes, but not milk).

(2) ABSTINENCE
- It is another form of penance that involves refraining from kinds of food or drink.
- This should be practiced by Catholics who are 14 years old and above (until death).
- During abstinence, the faithful should refrain from eating meat (i.e. flesh and organs of mammals and birds), but may consume fish and shellfish.
- Days of abstinence are Fridays in Lent.

N.B. Some people can be excused from fasting and abstinence. They are:

- persons with disabilities which make it difficult to understand or observe the practice (e.g. people with mental health concerns)
- the sick, frail, pregnant, or nursing women, according to need for meat or nourishment
- manual laborers, according to need
- guests at a meal who cannot excuse themselves without giving great offence or causing enmity
- those in other situations of moral or physical impossibility to observe the penitential discipline
________________________

Sources:

(1) Chapter II: Days of Penance — Code of Canon Law

(2) Fast & Abstinence — United States Conference of Catholic Bishops (USCCB)

(3) Fasting and Abstinence: A Guideline for Catholics — Catholic Fortress

(4) What's the point of fasting, anyway? — Catholic News Agency:

(5) Why do Catholics fast and abstain? — St. Peter Parish, Covington, LA

(6) Why Do Catholics Practice Fasting and Abstinence during Lent? — Catholic Answers

Unlike any other asset, Life Insurance provides liquidity upon a person's demise. Sino ba gusto nating makinabang sa mga pinaghirapan natin?

Source: Pinoy Insurance Talk

Happy Sunday to those who passed the test! And good luck to those who didn’t 😜

I posted this a couple of years back on my personal account and it still makes me LOL.

PSA 🙂

UPDATED LIST (as of 21 February 2022)

Banks and e-money issuers with waived PESONet and InstaPay fees.

RE-SHARING BECAUSE I CARE 💚

It takes one great parent to send 4 children to good schools but it’ll take 4 great children to support a parent’s retirement. Start thinking about yours 𝙉𝙊𝙒.

Napatunayan na ba niya na he’s / she’s the one this past Monday?

Tara na, update na natin beneficiaries mo 💚

Ikaw na rin beneficiary ko sa insurance 😂😂😂

Monday Motivation 💚

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