tag:blogger.com,1999:blog-27846249753675672392024-02-06T19:47:21.015-08:00Experiences in Korea and Much More: Everything KimchiThere are things that, keep as you may, still become a distant ember that even the slightest touch of wind can extinguish. This blog is dedicated to my life in Korea, where my memories with my friends I'll always try to remember...
한국에 있었는 교환학생 생활, 대전 대학교 아세안Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.comBlogger382125tag:blogger.com,1999:blog-2784624975367567239.post-21627149148841650502023-03-19T09:27:00.001-07:002023-03-21T05:45:42.860-07:00Trigun Stampede OP (Kvi Baba) Tombi Lyrics<p>My tears scattered like bits of paper</p><p>Scared of the unknowable tomorrow</p><p>I lived the same day over and over, back and forth</p><p>But a new morning never came.</p><p><br /></p><p>All the reasons to calm down</p><p>Are just some moments until the crash.</p><p>I'm no longer the one that everyone knows.</p><p>Took off the fragile armor--</p><p>I don't want to lose any more love. </p><p>I don't want to lose any more love. </p><p><br /></p><p><b>There's still no line between today and tomorrow.</b></p><p><b>My waking nightmare doesn't end.</b></p><p><b>And yet I won't lose hope.</b></p><p><b>And yet there's no night that doesn't end.</b></p><p><b>Not here, not here.</b></p>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-68807434457504079722022-09-03T03:51:00.000-07:002022-09-03T03:51:03.962-07:00<p><b> <span style="background-color: white; color: rgba(0, 0, 0, 0.8); font-family: Roboto, "Helvetica Neue", Helvetica, Arial, 文泉驛正黑, "WenQuanYi Zen Hei", "Hiragino Sans GB", "儷黑 Pro", "LiHei Pro", "Heiti TC", 微軟正黑體, "Microsoft JhengHei UI", "Microsoft JhengHei", sans-serif; font-size: 14px; white-space: pre-wrap;">Tankuro Soybean - Organic</span></b></p><span style="background-color: white; color: rgba(0, 0, 0, 0.8); font-family: Roboto, "Helvetica Neue", Helvetica, Arial, 文泉驛正黑, "WenQuanYi Zen Hei", "Hiragino Sans GB", "儷黑 Pro", "LiHei Pro", "Heiti TC", 微軟正黑體, "Microsoft JhengHei UI", "Microsoft JhengHei", sans-serif; font-size: 14px; white-space: pre-wrap;">Make your own tofu or soymilk with this wonderful edamame variant!
Seeds are harvested only on Sept 1, 2022. Fresh and high germination rate.
4 seeds per pack.</span><div><span style="background-color: white; color: rgba(0, 0, 0, 0.8); font-family: Roboto, "Helvetica Neue", Helvetica, Arial, 文泉驛正黑, "WenQuanYi Zen Hei", "Hiragino Sans GB", "儷黑 Pro", "LiHei Pro", "Heiti TC", 微軟正黑體, "Microsoft JhengHei UI", "Microsoft JhengHei", sans-serif; font-size: 14px; white-space: pre-wrap;">
Be sure to enrich your soil with organic matter.
Full sunlight.
(90 days) Open-pollinated. In Japan, black-seeded edamame varieties are deemed to have a richer and sweeter flavor than green or tan-seeded kinds. Tankuro was the winner for productivity and pleasing flavor in our 2010 trial to find the best black-seeded variety. Pick promptly when the immature seeds are bulging yet the pods are still dark green before the plants begin to yellow. Those pods that you miss will dry down, maturing beautiful black pearls that can provide your next year’s planting stock.</span></div><div><span style="background-color: white; color: rgba(0, 0, 0, 0.8); font-family: Roboto, "Helvetica Neue", Helvetica, Arial, 文泉驛正黑, "WenQuanYi Zen Hei", "Hiragino Sans GB", "儷黑 Pro", "LiHei Pro", "Heiti TC", 微軟正黑體, "Microsoft JhengHei UI", "Microsoft JhengHei", sans-serif; font-size: 14px; white-space: pre-wrap;"><br /></span></div><div><span style="background-color: white; color: rgba(0, 0, 0, 0.8); font-family: Roboto, "Helvetica Neue", Helvetica, Arial, 文泉驛正黑, "WenQuanYi Zen Hei", "Hiragino Sans GB", "儷黑 Pro", "LiHei Pro", "Heiti TC", 微軟正黑體, "Microsoft JhengHei UI", "Microsoft JhengHei", sans-serif; font-size: 14px; white-space: pre-wrap;">Get it from <a href="https://shopee.ph/product/62995361/19841831183/" target="_blank">Ellestine </a>Shopee Store.</span></div><div><span style="background-color: white; color: rgba(0, 0, 0, 0.8); font-family: Roboto, "Helvetica Neue", Helvetica, Arial, 文泉驛正黑, "WenQuanYi Zen Hei", "Hiragino Sans GB", "儷黑 Pro", "LiHei Pro", "Heiti TC", 微軟正黑體, "Microsoft JhengHei UI", "Microsoft JhengHei", sans-serif; font-size: 14px; white-space: pre-wrap;"><br /></span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBa3koL36V5D16uSMukXXuTROKOWaWnJtpk8c_DxPj4cMRomqDrAHSYrLda1_9Q7qZj16KCTkY2zUv3-_0hRyU676A3KKAhTbU1woMdhnFn9Ka-kERCKxkzgqEq2RIclAyrK7xWnjtRaWx-I_Y-EC5ZR-TNZDujVW-yt0-LxagBZHT2b2DhtZWB1MJ/s1000/cd5120.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="750" data-original-width="1000" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBa3koL36V5D16uSMukXXuTROKOWaWnJtpk8c_DxPj4cMRomqDrAHSYrLda1_9Q7qZj16KCTkY2zUv3-_0hRyU676A3KKAhTbU1woMdhnFn9Ka-kERCKxkzgqEq2RIclAyrK7xWnjtRaWx-I_Y-EC5ZR-TNZDujVW-yt0-LxagBZHT2b2DhtZWB1MJ/w200-h150/cd5120.jpg" width="200" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIR0trugici4OYDfT6i_NcqJylQmk6U1QmzTuv3ZWjLXaD47URX7wJXZANnU1tu_kAlByflPV2nzJlUmSCWtpQjomLMW0bvLqfufDZofEPjovWBFnBmvchM1iJk3QJcidvJ8KbmIvLHlxxXXHkEwlIY_at7YzmMzLv--aVPxKa3_rqe9AncdxWkPVV/s800/growing_edamame_seedlings.webp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="800" data-original-width="600" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIR0trugici4OYDfT6i_NcqJylQmk6U1QmzTuv3ZWjLXaD47URX7wJXZANnU1tu_kAlByflPV2nzJlUmSCWtpQjomLMW0bvLqfufDZofEPjovWBFnBmvchM1iJk3QJcidvJ8KbmIvLHlxxXXHkEwlIY_at7YzmMzLv--aVPxKa3_rqe9AncdxWkPVV/w150-h200/growing_edamame_seedlings.webp" width="150" /></a></div><br /><span style="background-color: white; color: rgba(0, 0, 0, 0.8); font-family: Roboto, "Helvetica Neue", Helvetica, Arial, 文泉驛正黑, "WenQuanYi Zen Hei", "Hiragino Sans GB", "儷黑 Pro", "LiHei Pro", "Heiti TC", 微軟正黑體, "Microsoft JhengHei UI", "Microsoft JhengHei", sans-serif; font-size: 14px; white-space: pre-wrap;"><br /></span></div>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-44864727586016782862017-09-03T06:07:00.001-07:002017-09-03T06:07:46.062-07:00Top Insurance Company in the Philippines 2016Since many billboards and news bytes are misleading, I decided to upload the official data from the insuranc commission for 2016. Premium income is not the benchmark if company stability. It judt speaks of revenues. Better if we look at Net Income (revenue minus operating cost) and Net Worth (assets minus liabilities).<br />
<br />
Check it out.<br />
<a href="https://www.dropbox.com/s/vt6wmsa11yi1lhr/Insurance%20Commission%20top%20company%20data.png?dl=0" target="_blank">https://www.dropbox.com/s/vt6wmsa11yi1lhr/Insurance%20Commission%20top%20company%20data.png?dl=0</a>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-22783071416061804162017-08-24T11:51:00.002-07:002017-08-24T11:51:52.325-07:00Sore Throat and Tonsillitis Natural RemedyTonsillitis and singaw (canker sores) are plain annoying. I tried tawas but it is painful for 30 seconds so I tried looking for a milder alternative and found this!<div>
<br /></div>
<div>
http://humanheartnature.com/buy/index.php/oral-care/apicuria-natural-throat-soother.html</div>
<div>
<br /></div>
<div>
Truly a holy grail for anything inflamed in my mouth. :) Not afraid of another bout of singaw anymore. Hurrah!</div>
Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com1tag:blogger.com,1999:blog-2784624975367567239.post-67428617391453795732016-10-31T04:56:00.002-07:002016-10-31T05:01:35.983-07:00One scary advice: "Invest Long-term""Long-term investing" - is an advice pitched by some financial consultants, mutual fund solicitors, and those who are basically unaware that profits are like fruits--they have to be picked when they're ripe.<br />
<br />
So, is long-term investing profitable? Generally, no. I might have shattered your investment notion so I must have to spell out the nuance: <b>Investing as a behavior should be long-term, but your invested money should not be.</b> If your financial consultant makes the "long-term investment" approach, then he or she is either lazy or uninformed about how the market moves. The market is a cycle. As such, it demands attention for profit-taking.<br />
<br />
What to do then?<br />
A) Talk with your (expert) financial adviser and instruct him or her to withdraw the profits before a market correction.<br />
B) Instruct your (expert) financial adviser to regularly add up to your investments only when the Index or share prices are down.<br />
C) Learn A and B for yourself.<br />
D) Avail the services of a private fund manager.<br />
<br />
Walang forever. There is a time for everything.<br />
<br />
Below are screencaps that drive the point:<br />
<br />
<a href="https://www.dropbox.com/s/b4vgo3fgsj427ub/Photo%2031-10-2016%2C%207%2041%2050%20PM.jpg?dl=0" target="_blank">Ayala Corp 12-month cycle</a><br />
<a href="https://www.dropbox.com/s/4b9ahztb8zx6izs/Photo%2031-10-2016%2C%207%2041%2057%20PM.jpg?dl=0" target="_blank">PLDT 5-year cycle</a><br />
<br />
<br />Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-41542328402800701622016-08-27T12:07:00.000-07:002016-08-27T12:15:18.684-07:00On Human RightsThought bubble.<br />
<br />
Human rights takes the backseat when it meets self interest in the eye (say, national self preservation of absorbing countries). Consider the Rohingyans, Syrians, and other refugees. Human rights were not fully and only relatively upheld although measures to alleviate the suffering groups were taken (citizen vs non-citizen).<br />
<br />
Aren't we all absolutely humans as declared by default when 'human' rights is laid out and invoked?<br />
<br />
Is the concept of human rights then less absolute than what we think it is? If it is so inalienable, why do we see it alienated from its bearers so often--so often when it is pitted against other values, interests, and urgencies?<br />
<br />
With these questions, I find it difficult to talk about human rights in absolute terms without sounding hypocritical.Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-62545165497875109232016-08-23T11:34:00.002-07:002016-08-23T11:34:46.544-07:00Law, Fairness and DuterteMorning thought bubbles<br />
*your thoughts are solicited*<br />
<br />
Should the law apply equally to all even to this criminal? The UN agrees with death penalty only for egregious crime against mankind (Hitler would be a candidate).<br />
But what is egregious?<br />
<br />
My initial thought is that law abiding citizens must benefit first from the law; drug addicts have forfeited their principal privilege.<br />
But what is law abiding?<br />
<br />
I think law and fairness are two different things.<br />
Law focuses on institutional limits and freedoms.<br />
Fairness on an actor's decision.<br />
The former (law) feels safer; it is less in danger of being abused. The latter (fairness), can easily slip to tyranny amd arbitrariness.<br />
<br />
However, it is fairness, NOT law, that we seek so deeply.<br />
<br />
Humans approximate fairness in form of law, and it fails miserably. Leaders try to be fair, and find themselves turning into tyrants.<br />
<br />
Where does this paradox leave us?<br />
<br />
https://www.facebook.com/gmanews/videos/10154247952441977/Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-5771145463353227502016-05-11T19:04:00.002-07:002016-05-11T19:44:02.858-07:00Stocks Workshop Seminar (May 21)Enrollees are welcome!<br />
Know how to effectively participate and profit immediately after the training. Indeed a no non-sense.<br />
<br />
Audience:<br />
*Anyone who does not have any prior knowledge about the stock market<br />
*Beginners who want to refine their understanding and skills<br />
<br />
Topics:<br />
1. Understanding the market structure<br />
2. Technical framework for analysing price action<br />
3. Fundamental framework for predicting medium to long term price action<br />
4. Investing for the medium to long term<br />
5. Trading for the short term<br />
6. Plenty of exercises/worksheets<br />
<br />
Venue: Net Lima BGC<br />
Date: May 21, 2016 (1-4pm)<br />
Discount: Students enjoy a 50% off<br />
Lecturer: UP professor, master trader, and senior executive financial consultant<br />
<br />
<br />
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<a href="http://i30.photobucket.com/albums/c311/horebelliot/image.jpg1_zpszcf4hcqv.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://i30.photobucket.com/albums/c311/horebelliot/image.jpg1_zpszcf4hcqv.jpg" height="300" width="400" /></a></div>
<br />Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com1tag:blogger.com,1999:blog-2784624975367567239.post-26394433054536433592016-04-26T04:20:00.002-07:002016-04-26T04:20:34.674-07:00Korean Certification Course (Ateneo de Manila University)Anyone interested in this certificate course? See course description below.<br />
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<br />
**Ateneo Korean Studies Program Certificate Course**<br />
<br />
COURSE TITLE<br />
“Understanding Korean Business and Work Culture”<br />
<br />
COURSE DESCRIPTION<br />
This course is offered to Filipinos who are planning to work/currently working with Koreans / in Korean companies. It aims to introduce learners to Korean work culture and provide them with opportunity to engage Korean companies/Korean-owned enterprises in the country. The course also endeavors to contribute to the improvement of Filipino-Korean relations in the workplace.<br />
<br />
COURSE OUTLINE AND CONTENT<br />
*Week 1-2: Overview of Korea (Pre-War, Post-War, Modern Periods) and Philippines-Korea Relations<br />
*Week 3-4: Business Practices, Labor Laws and Taxation in Korea<br />
*Week 5: Korean Businesses in the Philippines<br />
*Week 6: Visit to 1-2 Korean Companies within and/or outside Metro Manila<br />
*Week 7-8: Work Etiquette and Expectations from Workers (Employer’s Perspective)<br />
*Week 9-10: Working in Korean Companies / with Koreans – Stereotypes, Issues and Challenges + Synthesis<br />
<br />
SCHEDULE<br />
10 Saturdays: 2016 June 4 to August 6 | 9:00AM to 12:00PM<br />
30 hours (3 hours per session)<br />
<br />
LECTURER<br />
Jeanette D. Espinocilla – Lee<br />
Korean Business Consultant<br />
MA International Studies Major in International Commerce, Seoul National University<br />
0917 305 8220 | gnetde@gmail.comEliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com1tag:blogger.com,1999:blog-2784624975367567239.post-4966718664813650322016-02-23T05:58:00.002-08:002016-02-23T05:58:29.520-08:00Customer Care Representative (BPO Hiring)Description: A customer service representative position; mainly talks with executives on booking appointments and conferences.<br />
<br />
Requirements:<br />
· Call Center experience is preferred but not a requirement<br />
· Candidate should have neutral accent<br />
· Candidate should have good English communication skills<br />
· Hours of operations: 2PM-7AM or 6AM-6PM, Monday-Friday only (weekends off)<br />
<br />
Compensation: 15-18k monthly salary plus health card benefits<br />
<br />
----<br />
Valid from 23 Feb to 4 March 2016.<br />
If interested, kindly email horebelliot at yahoo . com.Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-63318259431486412842016-02-13T09:08:00.003-08:002016-02-13T09:08:55.185-08:00BPO Job Opening<div style="-webkit-composition-fill-color: rgba(130, 98, 83, 0.0980392); color: rgba(0, 0, 0, 0.701961); font-family: UICTFontTextStyleBody; font-size: 17px; text-decoration: -webkit-letterpress;">
Career Opportunity:</div>
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Description: Inbound customer relations representative</div>
<div style="-webkit-composition-fill-color: rgba(130, 98, 83, 0.0980392); color: rgba(0, 0, 0, 0.701961); font-family: UICTFontTextStyleBody; font-size: 17px; text-decoration: -webkit-letterpress;">
Requirements: English bilingual having: Jap, Mandarin-Cantonese, Korean, Thai, Vietnamese, German, French, Spanish conversational fluency. At least high school graduate.</div>
<div style="-webkit-composition-fill-color: rgba(130, 98, 83, 0.0980392); color: rgba(0, 0, 0, 0.701961); font-family: UICTFontTextStyleBody; font-size: 17px; text-decoration: -webkit-letterpress;">
<br /></div>
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Compensation: 60-100k per month with health card benefits and incentives</div>
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Areas: Makati and QC</div>
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Shift: 8-hour M-F schedule</div>
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*For English accounts, the compensation range is 15-18k with health card and incentives </div>
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Successful hires entitle you P4,000 referral fee per pax.</div>
<div style="-webkit-composition-fill-color: rgba(130, 98, 83, 0.0980392); color: rgba(0, 0, 0, 0.701961); font-family: UICTFontTextStyleBody; font-size: 17px; text-decoration: -webkit-letterpress;">
Email: horebelliot at yahoo dot com your resumes/CVs or referals.</div>
<div style="-webkit-composition-fill-color: rgba(130, 98, 83, 0.0980392); color: rgba(0, 0, 0, 0.701961); font-family: UICTFontTextStyleBody; font-size: 17px; text-decoration: -webkit-letterpress;">
For more details, please visit our website:</div>
<div style="-webkit-composition-fill-color: rgba(130, 98, 83, 0.0980392); color: rgba(0, 0, 0, 0.701961); font-family: UICTFontTextStyleBody; font-size: 17px; text-decoration: -webkit-letterpress;">
<a href="http://www.forward-focus.com/#!find-job/c1cuz" x-apple-data-detectors-result="0" x-apple-data-detectors-type="link" x-apple-data-detectors="true">http://www.forward-focus.com/#!find-job/c1cuz</a></div>
Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-38703784709090127922015-07-25T21:38:00.001-07:002015-07-25T22:14:10.493-07:00VUL or Term Insurance?In this post, I would like to highlight the reasons why a VUL is better that term insurance in all aspects other than one: budget. If you can save up at least 40k per year, go with a VUL.<br />
<br />
For starters, <b>a term insurance</b> is a yearly renewable policy that:<br />
1) is very affordable relative to the coverage amount (8,000 annual premium can cover your life for 1M;<br />
2) is temporary, that is, you will have to pay yearly to get covered;<br />
3) is not invested in the stock market (no withdrawable cash even after years of payment);<br />
4) increases its yearly premium depending on the risk and age of the applicant.<br />
<br />
Comparatively, <b>a VUL</b> is a policy with fixed premium payment duration and fixed payment amount. Say, my personal VUL that is:<br />
1) a 5-year, 70k per annum deposit arrangement whose premium is partially invested in the stock market (hence there is withdrawable cash after years of depositing);<br />
2) permanent; there is no need to renew and reapply;<br />
3) Expensive at 70k per annum;<br />
4) Eats up money that could have gone otherwise to mutual funds;<br />
5) Provides estate tax exemption to cash, savings, time deposits, mutual funds, UITFs in the form of topup.<br />
<br />
<b>Now for the comparison</b>. Many people believe in the principle of "pay a minimum for your insurance and invest the difference". While this is true, and a term insurance will likely do the job leaving one with more investable cash, it will fall short in some important aspects.<br />
<br />
One can become uninsured when the term insurance renewal application is declined. Reasons include:<br />
1) having had an illness, critical or otherwise, having become too old or too risky for the insurer;<br />
2) Increasing premium as one ages and if one reapplies with a health condition;<br />
3) Impossibility of having your cash savings tax-shielded (I plan to withdraw a large part of my MFs and trading capital and top it up onto my VUL before death, and it is possible). <br />
<br />
Some say getting a term insurance first and then availing a VUL in the future makes more sense. However, getting a cheap term insurance in the early years and then deciding to get a VUL, say, at age 45 will result to VUL premiums that have become more expensive and its benefits too low.<br />
<br />
<b>Here is the takeaway:</b><br />
Get your limited pay VUL and have your life and health insured permanently. Below is the numerical reason why I preferred a VUL to term.<br />
<br />
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*With a term insurance, from age 28-90 I would have paid roughly 930k worth of premium deposits. This does not have any withdrawable cash. I am also at risk of being declined upon renewal.<br />
<br />
*With a VUL, from age 28 to 33, I would have paid 400k. I may have 5M withrawable at age 65, covered by 1M critical illness till age 75, AND at least 1M guaranteed death benefit till age 100.<br />
<br />
<b>Returns of VUL:</b><br />
Total premiums paid: 400k<br />
Total benefits by 20th year: 1M Life + 1M Critical Illness + 1.5M withdrawable cash<br />
ROI: 775% <br />
<br />
It is not a matter of what works for you or what makes you happy, as some financial consultants would say. There are objective, quantifiable things in this world and insurance is one of them.<br />
Go with a VUL if you can save 40k yearly.<br />
<br />
<br />
Horeb Eliot<br />
<br />
horebelliot@yahoo.com<br />
Premiere Financial Consultant, Philamlife<br />
Professor, Political Science and Economics of Development, UP<br />
<div>
<br /></div>
Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com1tag:blogger.com,1999:blog-2784624975367567239.post-70882150180646965272014-06-11T09:23:00.003-07:002014-06-11T09:23:45.441-07:00Scholarship in Korea 2014-2015This is like the best ever scholarship provider ever!<br />
Did I already say ever?<br />
<br />
*<a href="https://www.dropbox.com/s/xoooyn9my4lwo7t/Photo%206-12-14%2C%2012%2013%2056%20AM.jpg" target="_blank">DJU-ASEAN Scholarship</a>*<br />
<br />
<br />Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com7tag:blogger.com,1999:blog-2784624975367567239.post-28316455685142263942014-06-09T11:32:00.000-07:002014-06-09T11:32:02.627-07:00Scholarship in Korea for Government Employees 2014-2015<div style="margin-bottom: 6px;">
<span style="background-color: rgba(255, 255, 255, 0);">KOICA Scholarship Grants for Government Employees</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="background-color: rgba(255, 255, 255, 0);">Magandang umaga po! 안녕 하세요?</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="background-color: rgba(255, 255, 255, 0);">We are pleased to inform you that the deadline for the following courses has been extended:</span></div>
<div class="text_exposed_show" style="background-color: rgba(255, 255, 255, 0); display: inline;">
<div style="margin-bottom: 6px;">
Course: KOICA-Yonsei Master’s Degree Program in Community Development Leadership<br />Institute: Graduate School of Government and Business, Yonsei University<br />Duration: August 2014 – December 2015 (16 months)<br />Deadline: 18 June 2014</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
Course: KOICA-Chonnam Master’s Degree Program in Community Development Leadership (KOICA MBA Program for Leaders for Regional Innovation and Sustainable Economic Development)<br />Institute: Graduate School of Business, Chonnam National University<br />Duration: August 2014 – December 2015 (16 months)<br />Deadline: 18 June 2014</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
And for the KOICA-Yeungnam Master’s Degree Program in Community Development Leadership, application period ends on 11 July 2014.</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
Institute: Graduate School of Government and Business, Yeugnam University<br />Duration: October 2014 – February 2016 (17 months) Deadline: 11 July 2014</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
Should you have questions, kindly get in touch with Ms. Maria Regina P. Arquiza at 403-9780 or send her an e-mail at regina_talon@yahoo.com.</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
We look forward to receiving your applications in due time.</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
Thank you.</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
(Repost from Pinoy Scholars in Korea)</div>
</div>
Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-32629315194994328152014-06-08T08:15:00.002-07:002014-06-08T08:15:43.150-07:00Even if no man is an island...<div style="font-family: Helvetica; font-size: 12px;">
<span style="font-size: 12pt;">The least I would like to witness is for myself asking for donations. Not that I'm proud. It's just because, once in my life I had been an able, productive worker.</span></div>
<div style="font-family: Helvetica; font-size: 12px;">
<span style="font-size: 12pt;"><br /></span></div>
<div style="font-family: Helvetica; font-size: 12px;">
<span style="font-size: 12pt;">A well-thought out financial plan: a mix of investments, savings, liquidity, and insurance would keep one ahead of many financial stressors. </span></div>
Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-31199054788755627472014-06-07T09:31:00.002-07:002014-06-07T09:35:56.708-07:00Bringing Home the People<div style="font-family: Helvetica; font-size: 12px;">
<span style="font-size: 12pt;">If you are an OFW and mayroong konting dependents lamang, there is a savings strategy and facility that will allow you to go back home in just after 7 years of working.</span></div>
<div style="font-family: Helvetica;">
<div style="font-size: 12px;">
<span style="font-size: 12pt;">You will be self-sustaining, receiving monthly interest earnings, with full health coverage.</span></div>
<br />
With the right mix of mutual funds, time deposit, VUL, and insurance, you can retire early and be closer to your family again.</div>
Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-29880456215866109242014-06-05T22:46:00.001-07:002014-06-05T22:46:53.278-07:00No one is exempted from the need to save<span class="userContent">I feel deeply sorry for our 'bagong bayanis' in the <a href="http://www.rappler.com/move-ph/issues/poverty/48107-fallen-heroes-ofws-hungry-homeless" target="_blank">link</a>...<br />
but in my heart of hearts, I have to say that half of life's
misfortunes are of our [own] doing. We can never blame that half to
others, or make asa to the government for at least <span class="text_exposed_show">half the reparation. The half: is in our hands.<br /> <br />
There are plenty of ways to protect labor and hard earned cash after
years of hard work. In my sense, it is through saving intelligently
through stocks-linked investments. <br /> <br /> It all starts with opening an investment account through major banks in the Philippines. A one-time P5,000 is a small amount for a big leap in any one's financial future.</span></span>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-83343274946752565152014-05-20T20:42:00.002-07:002014-05-20T20:42:53.470-07:00SSS Pension: The Hidden 5-year Time Loss<span class="userContent" data-ft="{"tn":"K"}">A Must Read FYI for Pinoy Employees<br /> <br />
Alam mo kung magkano ang monthly SSS mo? Alam mo rin ba na at least 5
years kang dapat buhay para marecover mo lahat ng premiums mo? Cling on
to dear life ka till 65. <br /> <br /> GOOD THING is, we can reverse the
counting. Save today for 5 years habang bata pa, and you will get at
least 7x more than your monthly SSS pension.<br /> <br /> There's a savings design to achieve just that<span class="text_exposed_show">.<br /> <br /> --------------<br /> Computation for people who earn over 15,750/monthly, contributing for 15 years:<br /> MSC *40%<br /> 16,000 *40% = P6,400 monthly pension<br /> Gross Contribution: P316,800<br /> 316,800/6,400 = 5 years before you can recoup all your payments. <br /> <br />
IBIG SABIHIN: binabawi mo lang lahat ng naibayad mo. Your living on
interest starts only from 65th year onwards. Is this very wise?</span></span>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-34365359549370444852014-05-17T05:42:00.002-07:002014-05-17T05:42:18.758-07:00Off the Bandwagon<div class="_5pbx userContent" data-ft="{"tn":"K"}">
Nakapila
ko sa ATM tapos mga 10 tao pa bago ako. Then yung kabilang machine wala
namang pila so I went there and tried my card. Yon, gumagana naman
pala.<br />
<br />
Lessons: <br /> 1) Wag gayahin ang ginagawa ng majority. Minsan, long way iyon para maachieve ang goals (withdrawing).<br />
2) There was a risk of my card being captured. But I studied the
situation: green light blinking, no out of order post, screen seems
fine.<br /> 3) Pag may strategy na which proves to work, go for it. Do it.
It might save you. Yung mga nakapila, despite na nakita nila ako
walking away with a smirk, di pa rin lumipat ng machine. <br /> 4) Just leave people behind if they do not want to move forward. Wave goodbye, but give back and share your blessings.</div>
Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-55772723305877762232014-03-13T19:56:00.003-07:002014-03-13T19:56:26.014-07:00Scholarships in Korea 2014 We are very pleased to inform you of scholarship programs offered by
the Korea International Cooperation Agency (KOICA) in 2014 for
Filipinos working in the Philippine Government.<br />
They are as follows:<br />
1. KOICA-SNU<br />
Course: Master’s Degree Program in Public Administration Institute:
Graduate School of Public Administration, Seoul National University
(SNU)<br /> Duration: August 2014 – December 2015 (17 months) <br /> Deadline: 20 March 2014<br />
Course: Master’s Degree Program in Public Administration Institute:
Graduate School of International Studies, Seoul National University
(SNU)<br /> Duration: August 2014 – December 2015 (17 months) <br /> Deadline: 20 March 2014<br />
2. KOICA-Kyung Hee University<br />
Course: Master’s Degree Program in Korean Experience of Economic
Development and Economic Cooperation (MKE) Institute: Graduate School of
Pan-Pacific International Studies, <br /> Kyung Hee University<br /> Duration: August 2014 – December 2015 (17 months) <br /> Deadline: 08 April 2014<br />
3. KOICA-PKNU<br />
Course: Master’s Degree Program in Fisheries Science Institute:
Graduate School of Global Fisheries, Pukyong National University (PKNU)<br /> Duration: June 2014 – August 2015 (15 months) <br /> Deadline: 08 April 2014<br />
4. KOICA-UOS<br />
Course: Master’s Degree Program in Urban and Regional Development (MURD) <br /> Institute: International School of Urban Sciences (ISUS), University of Seoul (UOS)<br /> Duration: August 2014 – December 2015 (17 months) <br /> Deadline: 07 May 2014<br />
5. KOICA-KAIST<br />
Course: Master of Business Administration in Finance<br /> Institute: College of Business, Korea Advanced Institute of Science and Technology<br /> Duration: August 2014 – March 2016 (20 months) <br /> Deadline: 26 March 2014<br />
6. KOICA-Soongsil University<br />
Course: Master's Degree Program in Global ICT Convergence with Management and Public Policy<br /> Institute: Graduate School of Information Sciences, Soongsil University<br /> Duration: August 2014 – December 2015 (17 months) <br /> Deadline: 7 May 2014<br />
7. KOICA-HGU<br />
Course: Master's Degree Program in Development <br /> Competency through SME Graduate School of Global Development and Entrepreneurship, Handong Global University<br /> Duration: August 2014 – December 2015 (17 months) <br /> Deadline: 7 May 2014<br />
Along with the list provided above, KOICA has seven (7) more graduate
school scholarships for this year. Once we get the details, we'll
immediately post the updates on this page.<br />
Should you have
questions, kindly get in touch withMs. Maria Regina P. Arquiza, at
403-9780 (Local 36) or send an e-mail to regina_talon@yahoo.com.<br />
Thank you.<br />
KOICA Philippine Office<br /><br />*From Pinoy Scholars in Korea*Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-63023672840874451592014-03-09T20:43:00.002-07:002014-03-09T20:43:28.943-07:00What to do when your phone gets stolen?<span class="userContent" data-ft="{"tn":"K"}">Nothing. Write. As always.</span><br />
<span class="userContent" data-ft="{"tn":"K"}">------------------<br />It
wasn't exactly my phone that was stolen last night; it was merely the
material transfiguration of my labor, and the loss of all antecedent
values of trade-offs that were not realized due to time spent on labor.
For instance, time with my family, with friends, and students, leisure,
and opportunities forgone as I had to labor in exchange for purchase. <br /> <br />
And because it is such, theft transcends its usual simplistic notion of
"object lost". Therefore theft, in my sense, is the ultimate violation
and sacrilege of a fellow human being.<br /> <br /> (This extends to your tax being pilfered by corrupt politicians and other such things 'stolen'.)</span>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-33427398588089580862014-03-09T01:21:00.003-08:002014-03-09T01:21:51.480-08:00VUL or Variable Unit Linked Investments--as good as it sounds?<span class="userContent" data-ft="{"tn":"K"}">Check your current investment policy.<br /> Sum up your total payments and sum up the total withdrawable cash after 5 years under the 10% column.<br /> <br /> You will NOT have earned anything. You're in a poor situation.<br /> Do you know how to optimize your investments?</span>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-24187652924485162882014-03-06T06:27:00.002-08:002014-03-06T06:27:38.836-08:00Mutual Fund Gains Revving up in March!<span class="userContent" data-ft="{"tn":"K"}">9.7% gain from Jan 1-March 6.<br /> I guess followers of my tracks know how to make sense of the percentage.<br /> <br /> But for the new eyes: <br /> <br />
If you have a total investment amounting to 100,000 on Jan 1, today,
its value would have been a net of 109,700. That's 9,700 in two months!<br /> <br /> Imagine if you have a total accumulated investment of 1M. You would already have earned 97,000 in a span of two months only.<br /> <br /> Do you know how to start a pure growth stocks account?</span>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-69232511830950218032014-03-04T05:47:00.000-08:002014-03-04T05:47:12.993-08:00Savings with the Biggest Return for the Buck<span class="userContent" data-ft="{"tn":"K"}">Here's the power of saving intelligently:<br /> <br /> March 4, 2014 = P497 per share<br /> Dec 20, 2013 = P455 per share<br /> <br /> If you have a P100,000 and you bought shares in Dec: 100,000/P455 = 219.78<br /> If you sell your shares in March: 219.78 x P497 = 109,230<br /> <br /> That's a NET of 9,230php in just two months.</span><br />
<span class="userContent" data-ft="{"tn":"K"}"><br /></span>
<span class="userContent" data-ft="{"tn":"K"}">Diversify your saving destination. Try out mutual funds and other hybrid investment instruments.<br />Your inquiries are very much welcome at horebelliot @ yahoo .com</span>Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com0tag:blogger.com,1999:blog-2784624975367567239.post-4849162000308370442014-03-02T18:21:00.000-08:002014-03-02T19:31:31.112-08:00Summer Teaching Parttime JobSummer Sideline! April 21 - End of May<br />
<br />
If you want to teach Language (Eng), Chem, Physics, Math @ MWF or TTh, ping me.<br />
<br />
2400/day. <br />
<br />
I know what you're thinking! <br />
<br />
----<br />
For those who are interested:<br />
1. Please send your CV to horebelliot @ yahoo<br />
2. Prepare a 15-min demo of any topic (College Eng/Physics/Bio/Math).<br />
3. Demo schedule is on 7 March, 1pm onwards at Citiland Pioneer (near Robinsons Pioneer, Boni Station)<br />
4. You will be deployed to schools in locations of your choice. <br />
<br />
<i>Novaliches & Katipunan Quezon City; Pasig, Mandaluyong; Makati ;
La Huerta & BF Homes, Parañaque; Muntinlupa ; Las Piñas; Tarlac,
Mabalacat; Angeles, Pampanga; Sta. Maria; Bocaue, Bulacan;
Biñan; Santa Rosa, Laguna; Imus, Molino & Noveleta, Cavite;
Lipa city; Batangas City</i><br />
<br />
Some even literally travel since 50% of the transportation cost is
reimbursed. There is no fixed schedule. You will be asked to confirm a
day before your teaching assignment if you can make it. In this sense,
it's a real parttime. :D<br />
<br />
<br />
<br />
5. All materials will be provided.Eliothttp://www.blogger.com/profile/09823229618240239984noreply@blogger.com1