Starting the Year with a Poem

The Morning Instance

When the heart troubles the mind
Is like a nighttime sky color-streaked by rushing meteorites
That the logic and nightmare from elvish stories
Seem to seep into reality
Of challenges, heartbreaks, and wuthering lies.

To me, when the heart troubles the mind,
Is like a painful catharsis of self-reflection
Which feels just like that morning instance
When the sun rises and hurts your eyes.
When you have to open it nonetheless, and be hurt even more.
And more until you get used to
And sip the confusion of
Logic and reality, heartbreaks and hopes
Of quenching the old and the uncertainty of the new.

/Eliot

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)