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Senseless Thoughts

Drift into my paradise.

Month

February 2016

Noodles for Long Life

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I was craving for a Ban Mian but the stall was closed so I found my way to the hawker centre and looked for some soup. I tried this Pork Rib Noodle for my breakfast.

The soup was somewhat sweet and salty added with a tinge of spiciness because of the mild fish sauce with chillies. The meat was oh, so, tender! Even the cartilage was soft and crunchily delicious! Yum! The noodles were cooked just right, too. I just hoped for some more greens and bean sprouts. Haha. But it was real good. Foodie girl exploring more noodles soon. 👍:)

– K

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Stuck by Darren Espanto

I was so inspirationless this past few weeks so I wasn’t able to post something worth reading again. And during my idle times, I end up repeating this same song over and over again. It hits me everytime.

Here’s his video from youtube. I hope you’ll like it too. I just became a Darren fanatic since I heard this.

Click this.⬇

Stuck by Darren Espanto

And the lyrics of course:

I was too dumb to notice
That there’s something about you
What am I supposed to do
I sure wish I knew
All the butterflies I felt inside
Never really mattered
Wishful thoughts inside and smiles
End up being shattered

What are we supposed to be
I’m hopelessly addicted to you
But you never felt the same
Time may pass us by
But you stay stuck on my mind
And that moment we stared that night
I thought it was right
But maybe I was wrong all along
I held onto something that never really mattered
Stuck on that starting line
I’m still silently, quietly hoping you’ll end up with me

I was too dumb to notice
There was something about you
How are you supposed to see things
If only you knew
All the times we were together
I never really mattered
All you see is what you want
My heart is being shattered

What are we supposed to be
I’m helplessly addicted to you
But you never felt the same
Time may pass us by
But you stay stuck on my mind
And that moment we stared that night
I thought it was right
But maybe I was wrong all along
I held onto something that never really mattered
Stuck on that starting line
I’m still silently, quietly hoping you’ll end up with me

Time may pass us by
But you stay stuck on my mind
And that moment we stared that night
I thought it was right

Time may pass us by
But you stay stuck on my mind
And that moment we stared that night
I thought it was right
But maybe I was wrong all along
I held onto something that never really mattered
Stuck on that starting line
I’m still silently, quietly hoping you’ll end up with me

I was too dumb to notice
That there’s something about you
What am I supposed to do if…
I’m still stuck on you…

🙂

– K

Managing Your Finances the Right Way

Now, let’s talk about… this: 🏧💱

Who wants a new bag or a pair of new shoes? Who wants to go places and travel the world? Who wants to spend your still-warm-from-the-ATM-machine bill to buy newest gadgets? Of course, everyone.

Let me share what I learned about managing your personal finances from a seminar last February 6, 2016 conducted by a few of TGFI (The Global Filipino Investors) group members and officers. One topic is all about Personal Finance by Mr. Eric Domingo.

We love to spend on things that can make us happy and satisfied, to reward ourselves, to pay ourselves for our hardwork from the past weeks (Yes please! Because I did great, right?). But… are we really happy? Are we really satisfied? For the meantime, yes. But, how are we gonna be tomorrow? We are so-called the one-day-millionaires who are not really millionaires. Now, let me ask you, who among you wants to become a millionaire for real AND for the rest of your life and not just for a day? I am raising my hand right now.

But first…

From being a SPENDER, why don’t we be a SAVER? And eventually, an INVESTOR? Difficult? Time consuming? You do not know anything about money-making things except for your job, except for being an employee? I’ll tell you this: Educate yourself to things you do not know and you will live with it for the rest of your life instead of becoming stagnant and ignorant until you die. Take baby steps into learning then put it into action and you will see results.

Here are the STEPS to Financial Wellness:

1. Improve Cashflow.
Make money, spend less. Aside from your job which pays you enough, but still a never-enough income, why don’t you look for other sources? Or investments that can improve your income or the money that comes in your pocket? Go on, think of a way. Use your coconut shell, darling. It is time to put your mind into serious thinking for your own future. Do not just live for today.

Needs vs. Wants. Learn the difference and delay gratification. Isn’t it a more satisfying feeling to wait until the fruits are ripe before you eat one compared to eating it now and regret?

Form a HABIT!  You are absolutely aware about labeled money jars and envelope system, right? But why don’t you do it? Start doing it now until it becomes a part of your everyday life… to divide your hard-earned money to everything, most especially savings.

     INCOME – SAVINGS = EXPENSES

Create a cashflow. Of your expenses and income or incomes if you have several. Make a balance sheet of every penny that comes out and comes in so you know where to adjust to be able to save something. Because SAVING is PAYING yourself.

What is a HEALTHY CASHFLOW? It is the successful control of your own finances and being able to save at least 20 to 30% from your income. The higher percentage, the better. It is difficult, yes, in the beginning. But then again, you just have to adjust your unnecessary expenses, keep doing it every month, gradually save a small portion of your income until you reach your goal of saving a third. It still depends on you and how you want to handle your money, all I am saying is… SAVE now because SAVING is investing in and for yourself.

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2. Get out of DEBT.
Who wants debt? No one, of course. So what do you have to do then? Make sure you pay your old debts and avoid new debts. Start paying your credit card debts now, your neighbors, the sari-sari store where you “utang” last night’s beers and chips. And if you want to start a small business or invest in the stock market or mutual fund, please, never ever borrow money for it. Produce the amount before you invest into something. Okay?

3. Set up Emergency Fund.
An emergency fund is your savings only intended for, obviously, emergencies. It is worth 3 months of living expenses or for some it is 3 months of salary. It doesn’t matter which one you follow as long as you have at least three months. Some also believe it must be 6 months. Again, it doesn’t matter, as long as you have an emergency fund… and don’t touch it if possible. And please, sale until tomorrow is not an emergency!

4. Get protected from life’s risks.
I am talking about insurances here. Ensure proper protection by getting an insurance plan mainly to secure your family’s future if something happened to you, I hope not. What are the things that we must protect particularly? They are: Life, Health, and Wealth. Go visit your agent now and understand more about insurance plans (does that include memorial plan? 😁 ).

5. Invest for your future.
Invest as early as you can. Investing is a long-term process, it is not an overnight gain. Remember, success only comes to those who wait. So when investing, always put into your mind that you may not be winning today, but by being consistent, you will soon reap the fruits of your labor. Last month, market went down and beginners panicked. So another tip before putting money into it, fill your mind with knowledge about what you are about to enter. Fund now and you know nothing, that is gambling. Definitely an easy loss overnight. Start learning now. Educate yourself first so no matter what the trend will be, you know what you are doing.

Factors to consider before investing:
A. Investment Objective. What are you investing for? Set up a goal. In that way, you won’t be lost because you know you are investing for something important to you be it children’s education,  retirement, or total financial freedom.

B. Time Frame. Know when you will need it. 10 years from now? 20? 30? Just make sure that whatever time frame you set, you will religiously follow it.

C. Risk Tolerance. The trend in the market is unpredictable, even experts can’t say when it will go up a little or go steep down. So you have to make sure that whatever happens to the market price, you can take it. This is not for the impulsive people. Use your head when something happens to the market. That’s why you have to study first so your tolerance will be pretty better.

At TGFI, they will teach you a wide span of knowledge you never heard in school whether it be investments, business, and real estate. Attend their seminars and you will come out “malaman ang utak” (meaty brain??). So come out from your shell and explore the possibilities of being rich maybe not as soon as you want it but in the near future so better wake up those cells and kickstart your wheel to financial literacy and financial freedom! (coffee please!)

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Credits to:
PERSONAL FINANCE
Speaker: Mr. Eric Domingo, TGFI volunteer speaker
Event: TGFI SG Newbie Session

The Global Filipino Investors Facebook Page

– K

All I Want

I lost my words.
You have all there is to say.

Then I found something to say.

And you stopped speaking.

I said enough.

You nodded.

And there it goes.

It flew up high.

It went to the skies.

Goodbye to us.

I lost my move.
You have all the will to act.

I said do it because I can’t.

And you did.

You moved away.

And I was left behind.

There you go now.

Far from where I stand.

Cold and frozen.

Wounded, in pain.

All I want is you telling me things
That secured me from within.
That I never have to fear
Because you will stay forever.

All I want is you taking action.
To keep me where I belong.
But everytime I say goodbye,
You let me go and push me away.

All I want is you to be aware,
The difference of what I say
From what I was thinking,
From what you see me doing.

All I want is you showing me
The things I used to know.
Not the things that can’t be
But the things that was before.

– K

Money and Faith

I became obsessed with my have-been-long-silently-sleeping dream to become rich when it started to peek from my inner self again a few months ago the very moment I flipped the first page of the book Rich Dad Poor Dad by Robert Kiyosaki. And he said there that we should invest in education because that is something we can keep for a lifetime. So I continued reading through his second book Rich Dad’s The Cashflow Quadrant and eventually the third book Rich Dad’s Guide To Investing. It was too complicated for me because first, I hate Economics and Accounting, second, I don’t have any Finance background and third, I hated numbers. But his words were far too powerful to be disheartened. I told myself, This is my key to my dream, so let’s get it on!

And so my eagerness to learn started. When he and his friends from Masters of Wealth organized by Success Resources visited Singapore last Nov. 29, 2015, I and my friends attended the seminar because I really wanted to learn more.

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Then came a low point. I was losing my grip because I suddenly realized, how on earth will I start when I don’t have a rich dad guiding my way? Kiyosaki and his bestfriend started learning at nine while I am already almost triple their age now and is just about start?

I told my ate (sister) about what I felt and she just smiled and said, “It is because Kiyosaki is basing his learnings from the US economy and market. Here, listen to Aya Laraya, and join the The Global Filipino Investors on Facebook so you can start learning from Philippine Economy and stock market. There are other beginner investors like us. You don’t need to be as active as them, just read and read from their conversations and you will learn bit by bit.”

And the fire in me grew again. I joined the forum, I signed up to newsletters, I read the blogs they post in the group, news, information, motivational quotes they make, question and answer portions, and everything as long as I have extra time. I put an effort to reading something everyday, two or three updates. It helps because I learn more about the Philippine stocks which is what I am about to enter. And so this is a good preparation I believe. I don’t want to gamble in there, I want to get rich, not fast, but slowly and surely.

Then I got to this thought one night, is it all just about money? Isn’t it that simplier life is happier? What if it looks more like greed for money now instead of primarily reaching my goals? What if I get lost and worship money when I step on to success? How will I get back to myself? How am I going to control the deepest fear of being conquered by greed?

Again, I talked to my ate about it. And fortunately, she got me a good answer ready. “Have you read about Bo Sanchez and Truly Rich Club?” I answered no. Then she showed me a video about the guy and his goals. “He was the one who taught his maids about stock market, get them into it and now, they are all rich.”

I was in awe, goosebumps all over me after I watched the clip and testimonials of his servants. The best thing about it is that he is a Christian preacher. He combined his eagerness to get rich to be able to give and his faith to be able to serve.

I saw this as an eye-opener for me and for all of us. You will be blessed the more if you became a blessing to others. I thought that it is impossible to be rich and serve God at the same time. Now, it gave me a better purpose in life: to continue pursuing my goal to get rich so that I can give because as Bro. Bo Sanchez has put it in one of his teachings, You can’t give what you don’t have.

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Photo: Screencaptured from Bo’s website.

Now I have a dream that became a GOAL which is to become rich, a PURPOSE to give out whatever I will earn, and FAITH that will keep me blessed so I can become a blessing to others.

You can be one, too. 😉

– K

Dear Bestfriend

Everyone of us have that one special person whom we treat like a sibling more than, sometimes, our very own blood. They are our superheroes and knights in shining armors whenever we are trapped in some unpleasant circumstances. They are our happy and sanity pill when we are down and at the verge of being crazy. They are our best enemies when we collide, but they have half of our heart that whatever we feel, no matter how we fake things, how we pretend we’re okay, they just know… they just feel it. So if you have that one bestfriend, keep them. Keep them before you lose half of your heart.

This is a letter to you, my dear bestfriend who fell apart with me as I crashed down, broken. And unfortunately, we were both too shattered to help each other glue the pieces.

Dear Partner,

A long time ago, you held my hand and saved me from misery, not even knowing why you did that. And I did the same for you and I know why I did that. We had too much ups and downs. We had overly funny moments together, we had lazy days, we had hard fights. We spit out words that are way below the belt but we end up forgiving each other. We end up still caring and being the best we can be for each other. Long gone… those days. I miss them.

Thank you, for being my Prince on a white horse holding a sword, for you confronted those evil people who stepped down on me and saved me from their mean deeds. Thank you for giving me such importance that you loved me more than anyone else, more than yourself. Thank you for being the clown that keeps me happy whenever I forget to smile. Thank you for being my handkerchief whenever I needed to cry. Thank you for those advices, you did a good job becoming a brother to me. Thank you for reminding me that there are still good things when I see everything in black. Thank you for embracing my silliness, my flaws, my crazy and my annoying sides. I can’t thank you enough for all that you did for me. Words wouldn’t be enough. But thank you for all the simple things, all the food we shared together, all the hardships that made us strong, all the challenges that we conquered, all the pain and mistakes that made us realize we are both human, imperfect yet loving. Thank you for being strong when I am weak. Because of you, I found myself climbing up the walls so I can be stronger for you, so when you are weak, I’ll be your strength… But then, I ended up too strong, too strong that my powers went the wrong way…

Sorry, for I turned into a beast… a monster you wouldn’t imagine I would be. I turned into someone too different from the person you once knew. Those pains and hatred from the very beginning of my life you knew so well ate me up. The mistakes that surrounded me, us, those that I can hardly accept woke up the sleeping dragon inside me. And I admit, I am just human, fighting hard to kill this unforgiving beast that I have become. Sorry for the pain I caused you. Sorry for the words I didn’t mean to say, I shouldn’t have said, and I could’ve said but chose not to. Sorry for making things difficult for you because I was hurt. Sorry for I can’t mend my pieces so I can help you mend yours. Sorry because now I am too strong that I forgot that you were my strength back then. And sorry for being so strong that I wanted you to be stronger than me, I want you to compete with me, not understanding that now you are the one who needed me because you are weak. Sorry for being narrow-minded. Sorry for telling you things too hard for you to swallow just because I wanted to make you feel what I am feeling. I was wrong. Sorry for being mean while you kept on extending your patience just to make me realize things… But now, it’s too late. Is it? Is it too late now to say sorry?

I love you, always and forever. Then ’til now. I will love you for the rest of my life. Because you were really my other half. I found my soulmate but I guess I have to let time decide for us. I will always be your Partner. No matter how far I go, no matter how long it takes, even if communication dies, I will always be here, fixing the little shards so that when we meet again, I will be as whole as I was before.

Goodbye is never always an ending. It is a for-the-meantime-farewell for our own betterment. It means that we have to take separate paths to let each other heal from all wounds and lead a new life so when our ways cross again, we have a lot of stories in store for us to talk about. The learnings, the new experiences, we could share together again. If time does not permit that we meet again, I know that we will both be better people for those we are about to meet. Friendship never ends in one goodbye. We are like balls, we fall down to the ground so that we could bounce up high but still, we will go back to where we belong.

I will miss you.

Always,
PUSA

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And just like that. I lost my other half. Don’t let yours be gone. Take care of ’em.

– K

If I Were a Boy

This goes to all boys, guys and men out there. I hope y’all think the same way as I am, as I wish I was a one of you…

If I were a boy,
   I will hug you tight, treat you right
   Give you all my love, attention and time
   You are priority, first on my list
   You will never feel alone
   I will not take you for granted
   I will make you feel loved
   Every second of our lives.

If I were a boy,
   I will understand your mood swings
   Accept your flaws and imperfections
   Lift you up from your insecurities
   And I will shower you with kisses
   Bring you lots of embraces
   I will offer you my heart
   I promise we will never be apart.

If I were a boy,
   I can be your shoulder to lean on
   I will listen to you whenever you speak
   Tap your back when you’re down
   I will be your knight
   Pull you by my side
   Tell you I’m always here
   And we’ll conquer everything.

If I were a boy,
   I’ll stay silent when you are mad
   I won’t talk when you are angry
   I will do my very best to understand
   That you are weak at times
   And I’m here to be your strength
   I will make you smile
   Let the troubles fade away.

If I were a boy,
   I will give you the best of everything
   Not because you give me your all
   But because you deserve these things
   I will not just set you aside
   I will show you how much I care
   I will do the things you want
   So you’ll stay happy with me.

If I were a boy,
   I will always be loyal and honest to you
   I might turn my head to another girl
   But I’ll say it will always be you
   I won’t cheat on you
   I will make you feel beautiful
   I am going to stay faithful
   And treat you my life.

If I were a boy,
   I will turn down temptation always
   To make you feel secured and sure
   That I will be yours as long as forever
   It might be early to say
   But I swear I will behave
   Because for me it’s only you
   It’s you I chose to be with.

If I were a boy,
   I will shower you with small presents
   Give you the simplest surprises
   I know it’s the small things that matters
   A kiss on the forehead,
   An embrace when you’re sad
   And when you feel alone,
   I will hold your hand.

If only I was a boy,
   I will do all these I wrote
   Because I know what she needs
   What she wants, what she feels
   If only I was a boy,
   I won’t hurt her feelings
   I will make her cry, yes
   But I say it’s out of happiness.

And I wish I was a boy,
   So I can make one girl be loved
   The way she deserves to be loved
   To give back what she can give
   To reciprocate all she does
   To make her believe of true love
   To make her feel she’s worthy
   Of everything there is.

Unfortunately, I wrote these because I am a girl. A girl who gave everything to a guy… a guy who gave his everything to someone else.

– K

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