2014 Call for a Better World

Kindness is free.
Sprinkle that shit everywhere!

For more kindness, empathy, and other-centeredness this 2014!

Where does your money go when you invest in Philam Strategic Growth Fund?

Saving in mutual funds is a smart way of making your money work for you. It may sound cliche but what many people do not realize is that mutual fund earnings can offset loan interest rates. For example, you loaned as condo payment 1.8M pesos from the bank at 9% per year, and your mutual fund grows at 17% per year (which is the historical growth rate of Philam Funds), then at the end of the loan tenor, you could have paid the bank interest rate (around 3M) with your mutual fund earnings (around 3.4M)!

There are more to mutual funds than just becoming better off and shaving off loan interests.

Feel free to email the author for financial consultation if you want to know more: horebelliot at yahoo.com

Investment and Mutual Funds Earnings

Here's a real-life, data driven lesson for everyone.

If you open an investment account (via Colfinancial, Philam, Sun, etc.) worth P5,000, with a cumulative 48% returns in 5 years:

Investment: Your P5,000 will have become P7,400 even while you're sleeping.

Traditional Savings: If you have P5,000 in a bank, after 5 years, you have P5,052.

LESSON: Save up wisely.

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The author is a licensed financial adviser and has a master's degree in Political Science, International Relations. Feel free to reach him via horebelliot @ yahoo.com

Reducing Tax Payment in the Philippines

If you put it in perspective, at least 35% ng salary mo ay kinakaltas ng gobyerno. Happy? Bukod pa diyan ang consumer tax at evat tuwing bumibili ka ng patis.

May takas ba dito? Meron (beams confidently)!~
Tara at alamin. ^__^

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For more financial saving strategies, please send an email to Prof. Horeb Eliot at horebelliot at yahoo.com.

When Money isn't the most important thing...But...

Material resources free us to achieve higher level values, which can consequentially unlock other higher level values. Then at some point, the utility of these material endowments will taper off. And we'll have to look for happiness, love, contentment that will feed the eternal, higher order need that humans find elusive...that no amount of money can buy.

Human Heart Nature Overnight Elixir and Natural Day Moisturizer

I seldom write reviews for skin products, but two HHN products just compelled me by efficacy to write one.

Clear and healthy skin is not an exclusive female wish. Guys like me also would like to be initially appraised physically and one of the most instantaneous bases for a positive one is the face. And because of this belief, I had tried many products in the market from Shu Uemura to Clinique to DIY but finally I have found my holy grail product at a fraction of the price!

I wanna share with you what works for me, my sister, and countless other friends. If your skin is oily, nay, super duper oily, acne-prone, and pore-infested, HHN Overnight Elixir slathered at night (6-7 drops) and afterwards patting two pumps of Natural Day Moisturizer does the trick of alleviating all the unsightliness under the sunlight. In the morning, one and half pump of Natural Day Moisturizer can make blotting papers unnecessary throughout the day.

Trust me. My face is an oil spill disaster. Not until I tried this HHN combo. Waking up in the morning and seeing how healthy-dewy (not oily) my face is...it's just amazing. What's more, I don't have to shell out 3-5k for monthly maintenance.

Give this a try and see the difference in under a week.

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Day: Nourishing Facial Wash, Natural Day Moisturizer 1 1/2 pumps. Off I go!
Night: Nourishing Facial Wash, 6-7 drops of Overnight Elixir, 2 pumps of Natural Day Moisturizer. Off to bed!

 

Overnight Elixir 30mL at P995 (lasts for more than a month)

Natural Day Moisturizer 50mL at P150 (lasts for two months)

Scholarship to Korea 2013

GEO Graduate Scholarship Program of CUK for Foreign Students
I. Purpose of the Program
1. To provide exemplary students from foreign countries with opportunities
for pursuing higher-education in Korea
2. To enhance globalization of the CUK campus by creating a more
culturally diverse environment
3. To promote international education and mutual friendship between Korea
and other countries.
II. Number of Recipients
Approximately 10 students in total
III. Program Eligibility and Details
1. Entrance period: Spring semester of 2014 (begins March, 2014)
2. Graduate programs in the following areas of concentration:
① International Studies (International Relations, American Studies, Chinese
Studies)
② Business Administration (Business Administration, Accounting)
③ Public Administration (Public Administration, Policy Studies)
④ Biotechnology and Environmental Engineering
(Environmental Engineering, Biotechnology)
⑤ Information, Communications and Electronics Engineering
*⑥ Digital Media (Media Engineering, Culture Contents)
※ Applicable only to department with the asterisk(*) : When the number of
applicants does not meet the quota, there might be no selection
3. Language of Instruction: English
4. Eligibility:.
ㆍAn English aptitude exam score of TOEFL PBT 550/CBT 210/IBT
80,
IELTS 5.5, TEPS 550 or above is required.
ㆍGraduates or undergraduates in their final year of study
(Must be available to study from March, 2014)
IV. Submission Deadline
ㆍAll documents must be submitted electronically by October 31,
2013.
Upon selection, applicants will be required to submit originals of all the
documents by air-mail by November 8,
2013. If any discrepancy is found between the electronic versions and
the originals, the offer will immediately
be terminated.
(Applicants who pass the initial review will be notified individually for an
interview)
ㆍAn English exam score must be submitted electronically by October
31, 2013.
Original results of the English exam score can be submitted after
entering the school.
If any discrepancy is found between the electronic versions and the
originals,
the offer will immediately be terminated.
ㆍThose selected for an interview will be notified by email.
The interviews will be held from November 25 ~ 29.
After the interview via Skype, the notification of the results will be on
December 16.
V. Recipient Responsibilities
1. Work as a GEO TA
2. Observe local customs and follow school regulations as stipulated by The
Catholic University of Korea
(Teaching English outside for extra income is allowed within the observation
of the law and with permission from
the Head Professor)
VI. Scholarship Privileges
1. Tuition exemption and on-campus residence fees during the entire period
of study
(Graduate program: 2 years)
(Student must maintain a GPA of 3.5 or above on the scale of 4.5)
2. Monthly stipend as a GEO TA: KRW400,000 (Under current exchange
rate, approx..
USD350) during the semesters.
(*Stipend offered based on hours of work as a GEO TA during the
vacations)
3. Airfare to Korea up to USD 500
4. Settlement allowance: KRW 200,000
5. Transportation from the airport
(Other fees, including insurance fee, must be paid by the individual)
VII. Required Documents
1. Admissions Application (CUK Form)
2. Statement of Purpose (CUK Form)
3. A copy of the college graduation certificate
(or certified expected graduation form)
4. A copy of the official college transcripts
(all the ranks and marks must be included in the transcripts)
5. One letter of recommendation from a professor or the department head
6. A copy of the TOEFL/CBT/iBT/IELTS/TEPS score report
7. Proof of Nationality (i.e., A copy of the first page of the passport)
VIII. Inquiries
For further information, please inquire with the Team of Academic &
Student Affairs of the Graduate School
Address: Team of Academic & Student Affairs of the Graduate School,
The Catholic University of Korea
43 Jibong-ro, Wonmi-gu, Bucheon, Gyeonggi-do, 420-743, Republic of
Korea
Website: http://www.catholic.ac.kr/~cukgs/english/
Tel. No.: + 82-2-2164-4474
Fax No.: + 82-2-2164-4751
E-mail: cukgra at hanmail dot net