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Tel. Nos. 2110 -5516 to 18 Fax. No. 2152-9328 E-mail: [email protected] Website: www.smartpinoy.com/hk December 2015 Volume 4 No. 11 It’s good to be able to thrive in crises, para masanay sa kakaibang mga hamon. Model tayo ng mga bata. Let’s show our best. 04 06 10 23 I know it’s important to save for retirement early, but I also want to support my family financially. Is it possible to do both? Zambales has great wreck diving spots and it is actually considered as the wreck diving capital of the Philippines. Ano nga ba ang warts o kulugo? Alamin ang natural na pagtanggal nito. INSIDE Parenting Tips Health and Beauty Tips A Day in the of an OFW Tara Na, Byahe Tayo

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Page 1: Smart ang Pinoy Publication

Tel. Nos. 2110 -5516 to 18 Fax. No. 2152-9328 E-mail: [email protected] Website: www.smartpinoy.com/hk December 2015 Volume 4 No. 11

It’s good to be able to thrive in crises, para masanay sa kakaibang mga hamon. Model tayo ng mga bata. Let’s show our best.

04 06 10 23I know it’s important to save for retirement

early, but I also want to support my family financially. Is it possible to do both?

Zambales has great wreck diving spots and it is actually considered as the wreck diving capital of the Philippines.

Ano nga ba ang warts o kulugo? Alamin ang natural na pagtanggal nito.IN

SIDE Parenting

TipsHealth and

Beauty TipsA Day in the

of an OFW Tara Na,

Byahe Tayo

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Winners ofMonthly Winners of

Philippine Airline Tickets

Weekly Winners of HK$100 worth of SMART Pinoy load

“First, thanks be to God! I never expected that I will be one of the lucky winners for this month. Parang ‘di ako makapaniwala sa tagal ko na rito sa Hong Kong at tagal ng Smart Pinoy SIM card ko. This is it! No words can express my happiness that I won for the first time. When I told my employer, tawa sila ng tawa. They said that I’m so lucky not only to Smart Pinoy but also to my employer. I’m very good and nice daw. I will help promote Smart Pinoy. Thanks talaga!”

Teresa MagbanuaLai Chi Kok

Francia BaylonTai Hang

Emelia AyananHappy Valley

“Laking pasasalamat ko po ng malaman kong nanalo ako ng roundtrip ticket. Sobrang proud ako at excited na sinabi sa mga kaibigan ko na nanalo ako sa SMART Pinoy. Masayang-masaya kasi lucky.”

“Maraming salamat sa Diyos. Salamat sa Be SMART Pinoy, Be Happy Promo. Labis akong natutuwa na isa ako sa nanalo ng PAL roundtrip ticket. Maraming salamat!”

“Siyempre ang saya-saya ko ng nalaman ko na nanalo ako ng round trip ticket.”

“Una sa lahat, nagpapasalamat ako sa ating dakilang Diyos na siyang nakakaalam ng lahat ng bagay. Maraming salamat sa malaking biyaya na ito na nanalo ako ng roundtrip ticket ng PAL. Kaya mga kababayan, tangkilikin natin ang sariling atin. Maaasahan na, mayroon pang regalo. Napakasaya ko dahil dito natupad ang aking kailangan na ticket sa aking pag-uwi. Thank you so much SMART Pinoy. God bless us all!”

Gloribel NavarroPokfulam

Marites PasamonteNorth Point

“Masaya kasi nanalo ako ng load. Maganda rin ang Smart Pinoy SIM. Satisfied ka. Basta happy ako. Thank you Smart Pinoy!”

Hannah M. CalvoKowloon Tong

“I feel happy and grateful.”

Mercy Ann RamirezSai Wan Island Resort

“I’m lucky na naka-SMART Pinoy ako. Kasi malaki po ang tulong sa akin lalo na nandito ako sa Hong Kong. Malinaw ang koneksyon niya sa ‘Pinas. At nakamura dahil may roaming number. Happy ako dahil nanalo rin ako nang ‘di inaasahan, kaya maraming salamat sa SMART Pinoy!”

Maria Teresa O. BeroinLaguna Verde

“Maraming salamat po sa Smart Pinoy dahil nanalo ako ng RV100 card. Sobrang makakatulong ‘to sa akin. The best talaga ang Smart Pinoy simula ng dumating ako sa Hong Kong noong 2012 until now, Smart Pinoy lang ang gamit ko. The best talaga, salamat po!”

Meladel GutierrezPokfulam

“Salamat at nanalo ako ng $100 SMART Pinoy Load. Thank you!”

Mary Jane IgnacioTui Keng Leng

“Siyempre masaya kahit ngayon lang ako nanalo. Maraming beses naghulog at matagal ng gumagamit ng Smart Pinoy. Praise the Lord!”

Florida FloresHung Hom

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Ang daming challenges ng mga nanay! Sobrang pagod sa bahay with a 24/7 schedule. Lalo pa itong nadadagdagan sa mga working moms.

Ang mga bata ay mahirap ding unawain minsan. Inaasahan mo na may kakayahan at naging independent na, then one day, may problema pala.

Sa mga magulang na may maraming anak, siyempre mas madami ang challlenges. Paano natin haharapin ang mga ito?

• Baguhin ang mga pananaw tungkol sa bata. Sobra ba nating tinataas ang ating inaasahan sa mga bata? Ang rigid natin sa mga naisin at perfectionist pa nga. Wag pong ganoon. Halimbawa, nais nating patahimikin ang batang two years old. Aba naman, ang bata ay bata. Malikot yan at madaldal kahit walang maintindihan sa bulol na talks niya. Ibang mag-isip, gumalaw at may mundo ng saya na iba sa mga magulang.

• Avoid creating problems; sa halip, develop solutions. Problema na nga, pinuproblema pa. Nag-ooverreact pa. Kapag tahimik ang anak, isip nang isip. “Ano kayang nangyayari sa anak ko? Baka ganito...o ganito...” Kung mag-ingay at mag-enjoy naman siya, may tanong din ulit tayo. Common observations sa mga teenagers: hindi nangitian ng crush o kaya absent ang kanyang favorite teacher, nawalan na siya ng gana. Lugmok na. Know the problem, learn to manage it. Do not let the problem manage us. Magandang mas maagang alamin ang mga kakaibang kilos sa halip na mag-antay kung malala na.

Parenting TipsTurning Good Parenting Better

Dr. Bessie Rios

Source: www.babysitting.academy

• Magplano and get organized. Dahil madaming trabaho ang mga nanay, learn to use time and abilities wisely.Ang oras talagang twenty four hours lang. Kaya planuhin natin: 18 hours ka ba magtatrabaho? Baka naman pag 15 hours kang nagtatrabaho, mas efficient ka. Planuhin natin ang ating buhay at maging realistic dito. Ilista ang mga gagawin at kung alin ang uunahin, pangalawa, pangatlo - para sa gayon, naiaayos natin ang ating buhay. Huwag natin puwersahin ang memory natin; mas madalas kaysa hindi, makakalimutan natin ang mga bagay-bagay. Better list down your tasks, less stress pa.

• Matutong magrelax. Minsan, kapag tayong mga nanay ay nag-relax, pakiramdam natin para bang nagkasala na tayo. Kahit sandali lang, kahit 10 minutes lang, magandang mag-relax and have time for yourself, sa sarili mo lang at walang bata. Depende kung ano ang ating kaligayahan na makakarelax sa atin - hihiga tayo o magbabasa o pupunta tayo sa bookstore o magsho-shopping. Iba’t ibang Nanay, iba’t iba ang tugon sa bagay na iyan. Maganda rin find time to relax, be quiet and still, and know that there is God.

• Care for health. Kailangan malakas lagi. Iwasan ang sickness. Kumain nang maayos at balanced diet. Minsan, sa dami nating ginagawa, pagkain ang nagiging libangan. Tuloy, nagdidisfigure ang dating magandang figure. Let’s watch our waist! Ay napantay na ba sa hips?

Abangan sa susunod na issue: “Final Thoughts ”. For any comments, send your message to 152869.

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Buhay SpiritwalA Surrendered Heart

Greg Matubis Jr.

Oftentimes in our walk with God, we want to experience Him as we believe in His promises but our personal agenda seem to occupy our minds more than our need for Him. God’s spirit may have placed some of our agenda in us while others could be part of our dreams and aspirations. He cares for both of them though at times, He may refine and redirect some of the things in our list.

But when our sense of agenda becomes stronger than God’s purpose in us, we find it hard to work with Him and experience His presence. We might be struggling to push our agenda on Him or resisting what He wants us to do for His Kingdom. When that happens, we become alienated from God and we fail to encounter Him.

The Lord does not prevent us from wrestling with Him. In fact, He allowed us to wrestle with Him just as Jacob did in the Old Testament who was blessed consequently by doing it. However, when our troubled hearts come to a point where we do not seem to carry the burden anymore and just let go and rest in His will then we “surrender” everything to His care.

When we surrender our will to God, we open the door for His presence to enter into our lives. When we surrender our hearts to Him, we yield to His will and in effect, our hearts begin the process of aligning with His plans and purpose. His spirit rushes into our hearts when we yield to Him and He begins to give us His own heartbeat.

A surrendered heart invites closeness to God. We do not have to fear that decision to yield to His desires and plans for us because the result is a wonderful sense of closeness and experience of His presence. We may be going through challenges in life but when we surrender our hearts to Him, He lightens our loads and experience a close encounter with Him. Jesus said in Matthew 11:28 “Come to me, all you who are weary and burdened, and I will give you rest.”

In order to surrender our hearts with God, we must examine our desires and give up those that are not aligned with His purpose. We need to yield our will to His and trust that He will carry us through and overcome whatever adversity we are facing. David said in Psalm 31:14-15 “But I trust in you, Lord; I say, “You are my God.” My times are in your hands; deliver me from the hands of my enemies, from those who pursue me.”

We serve a great God. We can experience a close encounter with Him, a relationship that invites closeness and opens a door to His presence if we yield and surrender our hearts to Him. He will not only be our refuge in times of trouble but He will deliver us if we have complete trust in Him and His promises to His children.

Abangan sa susunod na issue: “A culture of Gratitude”. For any comments, please text your

message to 152869.

Source: www.wellnesstoday.com

““

We may be going through challenges in life but when we surrender our hearts to Him, He lightens our loads and experience

a close encounter with Him.

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Health and Beauty TipsNatural Remedies for Warts

Ano nga ba ang warts o kulugo? Warts are benign growth sa balat sa iba’t-ibang bahagi ng katawan. Maaaring parang bukol ito at magaspang at maaari din namang flat at makinis. Ito ay kadalasan na kasing kulay ng balat at minsan maaari ding dark brown or gray-black. May mga maliliit na daluyan ng dugo ang mga ito na tinatawag na capillaries. Makikita ang mga ito sa gitna ng warts na parang tuldok.

Ang virus na pinagmumulan ng warts ay ang HPV o human papillomavirus. May mahigit na 100 na uri ng HPV na pinagmumulan ng iba’t-ibang uri din ng warts. Karamihan ng uri ng HPV ay hindi nakamamatay pero may mga uri din ito na maaaring pagmulan ng cervical cancer o iba pang malalang sakit. Maaaring mailipat ang warts viruses at puwede ding mahawahan indirectly sa pamamagitan ng paghawak o paggamit ng mga bagay na ginamit ng taong may warts tulad ng towel o panyo. Iba’t-iba ang lakas ng katawan o immune system ng mga tao kaya naman hindi lahat ng may exposure sa HPV ay magkakaroon ng warts.

Kung mayroon ka ng warts, maaari mailipat ang mga ito sa ibat-ibang bahagi pa ng iyong katawan. Kadalasan naililipat ito dahil sa maliit na sugat. Ang pagkagat ng iyong kuko ay maaaring magdulot ng pagkakaroon ng warts sa paligid ng iyong kuko.

Ang ilan sa mga natural na paraan sa pagtanggal ng warts ay ang mga sumusunod:

1. Magdurog ng vitamin C tablet, ihalo ito sa sapat na dami ng tubig para makagawa ng paste at saka ilagay sa warts. Balutin ito ng bandage o tape. Sapagkat ang vitamin C tablet ay acidic, ito ay nakakatulong labanan ang virus na sanhi ng warts.

2. Siguraduhin na patuyuin ang warts pagkatapos maghugas o pagkaligo. Mas mataas ang chance ng paglipat at paghawa nito kung ito ay basa.

3. Huwag kamutin o kurutin ang warts. Maaaring

kumalat ang virus sa ibang bahagi ng katawan kapag ito ay kinamot.

4. Mag pitpit ng bawang at ilagay ito sa warts, balutin ito ng bandage. The caustic effects of the garlic will cause the warts to blister o sa madaling salita ay bahagya niya itong sinusunog.

5. Magbabad ng cotton ball sa apple cider vinegar at ilagay ito sa warts. Idikit ang cotton ball para mapanatili ang pagkababad nito sa loob ng isa o dalawang oras.

6. Idikit ang balat ng saging o balat ng lemon sa warts bago matulog. Ang chemical na taglay ng balat ng saging o lemon ay unti-unting nakakatunaw ng warts.

7. Ang papaya ay may taglay na enzymes na nakakatunaw ng dead tissues. Ihalo ang dagta ng hilaw na papaya sa tubig. Ipahid ito sa warts sa umaga at sa gabi.

8. Ang aloe vera ay isa din sa natural na lunas sa warts, pigain ang dahon nito at i-apply ang aloe vera gel sa warts. Gawin ito araw-araw hanggang matunaw ang warts.

9. Ang patatas ang pinaka common na natural na paraan, maghiwa lang ng patatas at ikuskos ito sa warts.

Kung ang iyong warts ay hindi nawawala sa kabila ng paggamit ng natural remedies at kung lalo pang dumarami ang mga ito, maaaring humingi ng opinion sa isang doktor. Kadalasan makikita ng doktor ang kalagayan ng iyong warts sa pagtingin lamang ng mga ito.

Source: podiatry.md

Rachel M. Manuel

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Si Robin ay isang binatang negosyante na nakapag-pundar ng tatlong lupain na matatagpuan sa Laguna, Batangas at Makati. Dahil siya ay binata at walang anak, ibinigay niya sa kanyang kapatid na si Miguel ang lupa sa Makati noong siya ay nabubuhay pa. Ang nasabing bigayan ng lupa ay napapaloob sa isang Deed of Donation na pinirmahan ni Robin at Miguel.

Makalipas ang ilang taon, sumakabilang buhay si Robin. Ang tanging naiwan na kamag-anak niya ay si Miguel at ang dalawa pa niyang kapatid na si Linda at Nestor. Bilang mga tagapagmana ni Robin, hinahabol nina Linda at Nestor ang lupa sa Makati na unang ibinigay ni Robin kay Miguel. Ayon sa dalawa, dapat daw na ituring na paunang mana ni Miguel ang nasabing lupa at isama ito sa bilangan ng mamanahin ng magkakapatid.

Tama ba ang magkapatid na Linda at Nestor? Bilang panimula, dapat nating maintindihan ang konsepto ng “collation”. Ang “collation”

ay ang pagsama sa bilangan ng ari-arian ng namatay ang halaga ng mga ipinamigay or dinonate niya habang siya ay nabubuhay. May mga pagkakataon din na ang mga ipinamigay ay maaaring ibalik or bawiin ng mga tagapagmana kung mababawasan sila ng legal na mamanahin.

Subalit, dapat tandaan na ang “collation” ay maaari lamang mangyari kung mayroong mga “compulsory heirs” ang namatay. Ang “collation” ay pamamaraan upang hindi mabawasan ang lehitimo o ang halaga ng dapat mamanahin ng isang compulsory heir. Sa simpleng pananalita, ang compulsory heirs ay “sapilitan o autmatikong tagapagmana” na tinadhana ng batas na maging tagapagmana ng namatay kahit na wala itong iniwang last will and testament.

May tatlong klase ng compulsory heirs ayon sa ating batas. Ang una ay ang tinatawag na “primary compulsory heirs” o ang mga pangunahing tagapagmana. Ito ang mga tagapagmana na may kapangyarihang tanggalin ang ibang maaaring magmana sa isang namatay. Ang mga legal na anak ay isang halimbawa ng “primary compulsory heirs”. Ang “secondary compulsory heir” naman ay mga eredero na maaari lamang maging compulsory heir kung walang primary compulsory heir. Ang halimbawa nito ay ang mga magulang ng namatay. Ang pangatlo ay ang “concurring compulsory heirs” na maaaring magmana kasama ang primary at secondary compulsory heirs. Halimbawa nito ay ang asawa ng namatay.

Sa kaso ni Robin, dahil sa namatay siyang walang anak, asawa o magulang, hindi dapat ipatupad ang konsepto ng “collation”. Ibig sabihin, maaaring ipamigay ni Robin kahit kanino ang kanyang ari-arian kahit na wala ng matira sa mga kapatid niya (Arellano vs. Pascual, December 2010). Ganun pa man, dapat na may bisa at sumunod sa mga alintuntunin ng

Alamin ang BatasPamana ni Utol

Atty Alex A. Rios

Source: www.huffingtonpost.com

legal na dokumentasyon ang bigayan ng lupa upang ito ay magkabisa.

MGA ARAL:1. Ang mga kapatid ng namatay ay hindi compulsory heirs sa ilalim ng batas. 2. Ang anak at mga apo ay maituturing na compulsory heirs. Hindi magiging compulsory heir ang isang

magulang kung may legitimate na anak ang namatay. 3. Ang collation ay maaari lamang ipatupad kung may mga compulsory heirs ang namatay.

Ang artikulong ito ay para lamang sa pangkalahatang kaalaman at hindi maaaring maituring na legal na payo. Kumunsulta sa isang abogado kung may legal na pangangailangan. Para sa iyong mga kumento, katanungan o legal issues na gusto ninyong mailathala sa kolum na ito, please send your message to 152869 or e-mail us at [email protected]

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Lovingly Yours, Tita KerryJun Paragas

Dearest Tita Kerry,Tawagin niyo na lang akong Vanessa, 28 years

old, dalaga at laki sa hirap at may dalawang kapatid na babae na halos dalawang taon lang ang mga pagitan namin sa isa’t isa. Hirap maging panganay Tita Kerry, sapul mo lahat ng hirap sa buhay at parang lagi kang balagoong sa mga dapat gawin dahil ikaw muna ang gagawa bago ka mag-utos at iyan ang naranasan ko.

Simula pagkabata ay iyan ang laging role ko sa bahay at dito ako pinalaki ng magulang ko na palaging nagpapaalala noon na mahalin ko ang mga kapatid ko at dahil ako ang panganay ay gagawin ko lahat ng magagawa ko para sa kanila at handa akong magparaya bago ang sarili kong kaligayahan. Kaya sa pagkain bago ka mabusog sila muna, sa mga laruan kung meron man, sila muna at maging sa damit at sapatos at mga gamit sa school bago ako sila muna at alam ko naman ang hirap ng nanay at tatay ko noon kaya wala akong angal at dito ako nahubog sa tatag at tibay na dala ko hanggang sa ngayon. Hindi mo ako mapapasuko basta-basta kahit sa ano mang pagsubok sa buhay.

Nang mawala ang nanay ko dahil sa sakit ay mas lalo akong nagkaroon ng malaking responsibilidad dahil sa maagang panahon ay tumayo akong nanay sa dalawa kong mga kapatid. Ako ang nag-aasikaso sa kanilang pag-aaral at mga assignment at pati pagpapaligo sa kanila noon. Nagparaya rin ako ng sabihan ako ng tatay noon na huwag na muna akong mag-aral at ang dalawa ko munang kapatid at tulungan ko muna siya sa mga gawaing bahay dahil wala na nga si nanay.

Karpintero si tatay at kung saan-saan napupunta o nadedestino kaya ako ang naiiwan sa mga kapatid ko at in fairness sa tatay ko, para sa akin ay siya na ang best tatay in the world dahil di siya nagloko at kami ang minahal niya hanggang sa huling hininga ng buhay nya. Kaya habang naghihingalo siya noon sa bahay ay panay ang bilin sa akin na huwag kong pababayaan ang mga kapatid ko.

Nakatapos naman ako ng high school at nakapag-vocational din kahit papano. Kaya nagamit ko rin ito para ‘di maiwasan at masipag akong mag-aral Tita at ‘di sa pagyayabang kahit madalas akong umabsent noon sa school dahil sa responsibilidad

ay matataas ang grades ko at kasama ako sa honor list ng school. Nagtataka nga ang mga kaklase ko at silang bihirang umabsent ay daig ko pa sa exam. Ako sana ang class valedictorian sa school namin kaya lang hindi pwede dahil marami akong absent kaya hindi sa akin na-award.

Ang hirap Tita Kerry ay dala ko hanggang ngayon para sa mga kapatid ko. Ako ang nagpatapos sa kapatid ko na pangalawa at awa naman ng Diyos ay may trabaho na kahit papano at nagbabalak na ring mag- asawa at nagsabi na siya sa akin na malamang next year ay mag asawa na siya. Sabi ko naman “okay lang iyan basta mahal ka at okay naman ang guy at mahal mo ay ituloy mo, wala kang maririnig sa akin.” Ang bunso namin ay nag-aaral pa at matatapos na rin kaya lang ay malaki ang problema ko Tita Kerry. Heto ang kapatid ko na lahat ng magustuhan ay dapat mong ibigay sa kanya. Okay lang naman kung kaya namin at minsan naman ay naiintindihan niya kapag hindi ko kaya.

May boyfriend ako Tita, si Rico na matagal ko ng kasintahan at marami na rin kaming pangarap sa buhay at kilalang-kilala siya ng mga kapatid ko at boto naman sila dito dahil mahal na mahal ako at mabait at responsible. Naiintidihan ni Rico ang sitwasyon ko at ang katungkulan ko sa dalawa kong kapatid. Kahit wala nga daw ako sabi ng kapatid kong si Leny, ang kasunod ko ay dumadalaw-dalaw daw si Rico para mangumusta at kadalasan naman ang nage-entertain ay ang bunso namin na si Michelle.

Tuwang-tuwa naman ako Tita kapag nag-uusap kami ni Rico at ibabalita niya na okay naman ang mga kapatid ko at sinasabi niya rin na itong araw na ito ay pumasyal siya sa amin at nagdala siya ng red ribbon na gustong-gusto ng dalawa kong kapatid. Hindi ko akalain at wala sa hinagap ko na magkakaroon ako ng problema kay Rico at sa kapatid kong si Michelle.

Masakit Tita Kerry na tinukso pala ng kapatid ko si Rico ng minsang mapunta ito sa amin at sabi ni Leny sa akin ay nagsabi sa kanya ang kapatid ko na type niya si Rico at matagal niya na itong kursunada at ng sabihin ni Leny sa kanya na “loka ka, ikakasal na sila ni Ate Vanessa mo, huwag ka ngang ganyan

at hindi magandang biro yan.” Natawa lang daw ito at nagsabing, “bakit kasal na ba sila?”

Ito ang problema ko Tita, nagtapat si Rico sa akin sa nangyari at humingi siya ng tawad sa akin at iyak ako ng iyak sa kanya dahil hindi siya dapat nagpatukso at umiwas sana siya sa kapatid ko dahil may pagka-maldita talaga yon. Nagkausap din kami Tita ng kapatid kong si Michelle at umiiyak siya sa akin at humingi ng tawad at talaga daw mahal na mahal niya si Rico at hindi niya maintindihan ang sarili niya kahit iwasan niya daw si Rico ay tukso itong nagpapatindi sa kanyang naisin na mahalin din siya nito. At gagawa siya ng paraan para makuha siya at pinagtapat niya sa akin lahat ito ng umiiyak. Imbes na mainis ako Tita ay naaawa ako sa kapatid ko at sabi ko ay naintindihan ko siya at wala siyang maririnig na anumang pagsumbat sa akin dahil mahal ko siya at nangako ako sa magulang namin na mamahalin siya hanggang sa huling hininga ng aking buhay.

Tita Kerry, nang huli kong makausap si Rico ay nagsabi siyang mag- pakasal na kaming dalawa at ayaw niya nang maulit ang pangyayari at sabi ko naman sa kanya ay hayaan mo munang mag-isip ako at nagsalita akong “kung ngayon hindi pa tayo kasal ay naging mahina ka na eh ano pa kaya kung kasal na tayo”.

May nagsasabi sa aking ipaubaya ko na lang siya kay Michelle at mangako ako sa kapatid ko na magpaparaya sa kanya. Pero sa kabilang banda ng isip at puso ko ay naroon ang pagmamahal ko kay Rico at nagsasabing huwag kong gawin iyon at kasalanan naman ng kapatid ko.

Hindi ko alam ang gagawin ko Tita Kerry at sana ay mapayuhan mo ako sa lalong madaling panahon at nagtatalo ang isip ko dahil sa totoo lang naka-schedule ang kasal ko sana kay Rico this December sa pagbakasyon ko sa atin at alam ito ng amo ko at ang sabi pa nga na uuwi sila at sana ang alaga ko daw ang maging flower girl.

Gulong-gulo ang isip ko at naaawa ako sa kapatid ko at naaawa din ako kay Rico kaya sana ay mapayuhan mo ako Tita Kerry at tatanawin kong malaking utang na loob iyan.

Yours truly,Vanessa of Lai king

Payo sa sulat ni Karla ng Kowloon Tong (letter-sender in November 2015)

Dearest Karla,

Una sa lahat ang aking taus-pusong pasasalamat sa iyong pagsulat at pagtitiwala. Sana ay sumaiyo ang pagpapala ng Maykapal at nawa’y hipuin ng kanyang mapagpalang kamay ang iyong isipan at damdamin ng magkaroon ka ng kapanatagan at tamang pagdedesisyon at mas mabuting humingi ka ng paggabay sa ating Ama upang ang anumang desisyon na gagawin mo ay naayon sa kanyang kagustuhan.

Karla, may kasabihan tayo na hindi lahat ng kumikinang ay ginto at hindi lahat ng nakakapag-asawa ng banyaga ay matagumapay at sinuwerte. Ang iba ay nasawi at ang iba ay naabuso lamang dahil alam naman natin ang intensiyon at ninais ng bawat isa. Kung ganito lamang ay huwag mo ng ituloy dahil baka mapahamak ka lamang kay David dahil nakita mo naman agad na hindi siya tapat at maaaring gusto ka lamang niyang paglaruan. Makakamtan mo ang pangarap mo sa iyong anak sa sipag at tiyaga at sa pawis na iyong ipupuhunan at makikita mo na mas maganda ang ibubunga ng lahat dahil pinagpaguran mo.

Kung kay Gilbert naman at naroon pa rin ang pagmamahal ay hindi masamang umasa at maghintay. Malay mo kung wagas talaga ang pagmamahalan ninyo ay panahon ang hahatol at gagabayan kayo ng Maykapal. Tama lamang na hayaan mo ang iyong anak sa kanyang kaligayahan at karapatan sa kanyang ama at iyan ay magandang tanim na aanihin mo rin balang araw sa iyong anak. Sa kabila ng nangyari sa iyo at ng kanyang ama ay ibinigay mo pa rin sa kanya ang kanyang karapatan at kaligayahan sa piling ng kanyang ama.

Ang sa akin ay timbangin mong maigi ang sarili mo at ipagdasal ang lahat at naniniwala rin ako sa kasabihang it is worth a wait lalo na kung mahal mo talaga ang isang tao at iyan ang tunay na pagmamahal.

Lubos na sumasaiyo,Tita Kerry

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Bagong Pag-AsaNgayon Na

Eric Narvaez

Magandang bagong pag-asa sa lahat ng ating mga kababayan dito sa Hong Kong. Nawa’y ang magandang kalusugan at pagpapala ng Diyos ay sumaating lahat. Napakahalaga ng paksa nating ngayon at ito ay tunay ngang bahagi ng ating pag-uugali bilang isang tunay na Pilipino.

Noong nakaraang issue, pinag-usapan natin ang “Bahala na” attitude. Napaka-negative nito at ilang henerasyon nang naipapasa ito sa ating mga salinlahi. Ngayon ay pag-uusapan natin ang “ngayon na” attitude. Ano nga ba ang ibig sabihin kapag sinasabi nating “Ngayon na”? Ugali natin laging ipagpaliban ang mga bagay na dapat nating gawin. Kung alam mong hindi pa naman ito importante pero ang katotohanan ay kailangan ito kinabukasan o ilang oras lang bago ang deadline ng gawain na ito. Masasabi kong ito ay isang ugaling hindi na nakasanayan mula noong dekada ‘80.

Ang ating mga lolo at lola ay nakasanayan ang ugaling ito dahil sa mga nagdaang mga pananakop ng mga Kastila, Amerikano at Hapon. Isa sa mga dapat nilang gawin noong mga panahong iyon ay ang pagmamadali o dapat gawin agad kapag inutos sa kanila. Iyan ang “ngayon na” attitude. Pero bakit nga ba ito nawala sa atin? Sa panahon ngayon, high tech, maraming pagkakaaliwan at kadalasan sa dami din ng problema sa buhay, hindi na natin nakikita ang ating mga sarili kung saan mas dapat natin ituon ang ating pag-uugali sa tamang pagkilos ng ating sariling kakayahan.

Bilang OFW, ito ang kadalasang ipinapagawa sa atin ng ating mga amo. Ayaw nila ng delay. Magandang ugali ito dahil hindi tayo napapatungan ng maraming trabaho at kadalasan kapag tapos lahat ang mga iniutos sa atin ay mas marami pa tayong nagagawa na kapaki-pakinabang. Isa pang maganda sa attitude na ito ay ang promotion sa ating kakayahan. Ang ugaling ito ay ang magbubukas ng oportunidad sa atin bilang isang leader. Magandang makita at maipasa ito lalo na sa mga susunod na henerasyon.

Kung ang “bahala na” attitude ay hindi maganda lalo na sa ikauunlad natin, simulan natin ang “ngayon na” attitude at makikita mo ang promotion sa buhay mo. Hindi lang para sa ating mga Pilipino kundi sa iba pang lahi na makakaharap natin dahil ito ang natural na ugali nila. Sinasabi sa Bibliya na ang pagsabi mo ng “oo” ay “oo” at ang “hindi” ay “hindi” na ibig sabihin, Kung gagawin mo, tapusin mo ng walang delay at kung hindi ay sabihin at huwag kang magpaasa. Maligayang Pasko sa ating lahat!

Abangan sa susunod na issue: “Sila Muna Bago Ako”. For any comments, please text your message to 152869.

Source: www.huffingtonpost.ca

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Magandang ugali ito dahil hindi tayo napapatungan ng maraming trabaho at kadalasan kapag tapos lahat ang mga iniutos sa atin ay mas marami pa tayong nagagawa na kapakipakinabang. Isa pang maganda sa attitude na ito ay ang promotion sa ating kakayahan.

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A Day in the Life of an OF WSupporting your family while saving for retirement

Randell Tiongson

Question: Hi Randell, I’m a regular employee in my late 20s. Having read your articles, I know it’s important to save for retirement early, but I also want to support my family (my parents and my younger siblings) financially. Is it possible to do both? –Inez, via Facebook

Answer: I’m glad that you’re looking out for your financial future while still being concerned about your family’s. In such a close-knit family culture like the one we have here in the Philippines, it’s natural to want to help out. But oftentimes, in their desire to help, a lot of people ignore their own financial health – and that’s not good. Here are a few steps to take if you want to support your family and save for your own future:

1. Put the mask on yourself first. If you’ve been on any flight (and you actually pay attention to the flight attendants’ pre-flight instructions), you know that when the oxygen masks drop, you’re supposed to put the mask on yourself first before you help put the mask on others. It’s the same for your finances; before you can help anyone else, help yourself first. Do you have an emergency fund? Is a portion of your salary going towards retirement already? Are you free from high-interest debt like credit cards? Then you can step up and contribute to your family. If not, take care of your own finances first.

2. Get insurance. Your contributions are vital to your family, so it makes sense to protect yourself with life insurance in case you’re unable to work. If your budget concerns and investments is not yet a priority, look at term life insurance plans, which provide coverage for serious illnesses and death for a certain period of time. You may also consider health insurance or HMOs if health is a major concern for you.

3. Know your family’s financial situation inside and out. Knowing your family’s financial capabilities will help you keep better control of your own finances. What do they need help with? How much do they need to pay whom? This may not be an easy conversation to have, but it’s important so that you don’t overextend yourself, and they don’t become reliant on you at the expense of your own future. When you know how much money they truly need, you can measure it against what you can provide as assistance, and you can provide for them while saving for yourself.

4. Set boundaries. Exactly what monetary help does your family need? How much will they need from you

monthly, and for how long? What is the maximum you can provide for them? What are their financial goals? Setting these markers down will ensure that you stay on your financial track while still being able to help your family. When you help, make sure it is not encouraging the habit of dependency and entitlement.

5. Teach them good financial habits. Like the old saying about teaching a man how to fish, teaching your family good financial habits will be much more help to them in the long run that simply giving them money. Help them set a budget so they can meet their expenses, or assist them with finding money-making opportunities so that they can sustain themselves with minimal help from you. This way, they can have their own sources of income other than just you – freeing your finances up so you can save more, build your wealth, and be in a better position to help them out if more financial setbacks arise.

Discussing family finances is not the easiest thing to do, but it’s very important if you want to help your family while still helping yourself. Improve your finances and get yourself on solid ground before you commit your resources to helping out. It’s important to be there for your family, and by following the steps above, you can ensure a good future for yourself while getting your loved ones on better financial footing.

What does the bible say about these things?

• We should honor our parents — “Honor your father and your mother, that your days may be long in the land that the LORD your God is giving you. (Exodus 20:12, ESV). It was further reinforced in Ephesians 6:2 —“Honor your father and mother” (this is the first commandment with a promise).

• However, the bible is likewise clear about the obligations of a parent — Here for the third time I am ready to come to you. And I will not be a burden, for I seek not what is yours but you. For children are not obligated to save up for their parents, but parents for their children. (2 Corinthians 12:14, ESV).

• Seek wisdom with these things… be in faith and be a good steward of your finances lest you your children may end up having the same burden as you have for your parents.

• A good man leaves an inheritance to his children’s children, but the sinner’s wealth is laid up for the righteous. (Proverbs 13:22, ESV)

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Success StoryDiscover and Follow Your Customer’s Needs

Jalilo Dela Torre

If somebody had told me earlier that Capt. Arturo Nietes had gone through the rough and tumble of childhood and grew up in a rural community accessible only after a 3-hour boat ride, I wouldn’t have believed him. Captain Nietes or Art didn’t have the look, attitude or mannerisms of someone who was born and grew up in a tough and poor community in the mountains of Butuan. His skin was fine and fair, he spoke slowly and deliberately and he had a gentle way about him, which people of high education, intelligence and fine breeding usually exude. If I didn’t know better, I would’ve regarded him as a mestizo. So much for first impressions.

We were seated in his barbershop, which was the first of the many businesses he has founded since he started his career as a seafarer. The hair salon, bakery, eatery and glass and aluminum supply shop were all located cheek-and-jowl to each other right smack in front of St. Joseph Institute of Technology (SJIT), where Capt. Nietes graduated with a degree in BS Maritime Technology.

“I was born in Florida, a remote barangay of Butuan City, along the Agusan River,” he began his narrative, his eyes sad and discerning “The main source of livelihood of my father was to watch out for logs floating down the Agusan River which had gotten loose from its holding ponds, capturing it and selling it downriver to traders.” I was taken aback by the fact that there were people who had this kind of occupation. I knew that in the 1970s logging was big in Agusan, and hundreds of thousands depended on logging and the processing of logs for their livelihood. But I couldn’t imagine a more dangerous occupation—lassoing a loose piece of log weighing 5 tons or more and pushing or pulling it ashore for selling it downriver to traders.” I was taken aback by the fact that there were people who had this kind of selling later. This is what Art

Capt. Arthur Nietes, AB to Master Mariner, 1982-present; Owner, D’Arthur’s chain of businesses, Butuan City.

swollen and therefore dangerous to cross. But Art stoically faced this challenge every day until he graduated from high school. To prevent wear and tear of his slippers, he carried a lunchbox with him to spare himself the long walk home for the midday meal.

College was an issue because coming from a large family, his parents couldn’t get all them in school at the same time. Art was hustled off to a distant relative, who committed to send him through trade school. But Art had set his sights on something higher and better for himself. On the second semester of his first year in trade school, he decided to apply for a working student scholarship at St. Joseph Institute of Technology. He thanked his lucky stars he was taken in, and this was to be the start of a string of lucky breaks which have brought him to where he is now. Though he worked as a janitor, he enjoyed free tuition and free board and lodging. He persevered until three years later, he completed the theoretical portion of his BSMT degree. He was one step closer to a seaman’s career.

But this was one chasm too deep and too wide to cross in 1983. There were no cadet scholarships on offer then, no prominent principals offering free cadetships on board ocean-going ships for poor and intelligent boys looking to a long-term career with the same companies. BSMT students who have completed their 3-year theoreticals had to fend for themselves, and seek their fortune in Manila. Art had thought long and hard about what he would do when his time came to look for a cadetship opportunity. His idea was to cut out an advertisement of a manning agency based in Manila and set his sail towards this direction, and this direction only.

On the day that he set foot in Manila, he went looking for the name and the address indicated in the newspaper ad, and he found Capt. Cesar Carandang, President of Filipino Association of Mariners’ Employment, and vice-president of a manning agency. Having passed the exam, he started work as utility man for the manning agency office. After only two months, he boarded his first ship as apprentice in October 1981, working as a mess man. Six months after finishing his practical, he aced his exam for third mate. But unsure whether

grew up with and therefore at an early age, he had resolved to get out of the rut of poverty and achieve financial independence through business.

“I looked around at our neighbors and I saw how miserable their lives were, how they were in worse ways than we were. Clearly, I needed to take myself out of there and seek my fortune elsewhere. I promised myself that if I succeed in business someday, I will create as much employment as I could.” Not more than 20 years later, he had achieved his goal.

He saw education as his escape route, and so, no matter how daunting the idea of going to a faraway school was, he endured it. Since there were no roads, and no road transportation, he walked 5 kilometers and back, every day for six years. High school offered a slight relief. The now-defunct Nasipit Lumber Co. offered free transportation for students to the high school building in Tungao, but to get to where the bus parked, he still had to hike for kilometers and cross the river, which was often

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he already had what it took to be a Third Officer, he volunteered to work as AB first and this went on for another year. It was not until 1998, when he was already a Second Officer, that he established his first business in Butuan, the barbershop. He had saved P150,000 at that time, which he used to purchase 5 barber’s chairs at P10,000 each, plus the usual fixtures and supplies in a barbershop, like mirrors, hair dryers, cabinets and barbers’ paraphernalia.

Why a barbershop?“Well, it’s not too capital-intensive, and all you

need to be concerned about is the quality of the skill of the barbers and their work attitude. When you have this squared away, a barbershop is a good reliable source of income,” Art explained. But Art was not satisfied. It dawned on him that a barbershop business was too passive—the owner just sat there and made sure there was enough change in the till.

One day, a customer asked for something to drink, and that gave Art an idea. He had to buy the drink from a store nearby but the customer’s request germinated in Art what later would become his business philosophy: discover what the customer needs, even before he knew it, and act to serve it. His string of business therefore began from that customer’s need to quench his thirst, and the rest followed. From the need for a drink came the need for snacks and meals, thus the eatery and restaurant. Because he served lomi, a heavy soup with thick noodles, eggs, pork slices and vegetables, bread needed to be served too, because these two always go together, like dinuguan (pork blood stew) and puto (rice cake), thus the bakery. Because there was a barbershop for men, the wives and girlfriends couldn’t just wait while their partners were having a haircut—a facility for women needed to be put up, too, thus, the hair salon. From the need to protect the food items he was selling, he had to have a showcase constructed, thus his glass and aluminum supply business.

What Art didn’t mention but which I’m sure he always had in mind was that customers in barbershops and hair salons—being in a place dedicated to making them feel comfortable and and good about themselves—always had this

 

Ano ang tatak Pinoy? Ano ang mga gawain o ugaling Pinoy na naaalala mo? Saang lupalop ka man ng mundo, alam mo ang tatak Pilipino. Sa isip, sa salita at sa gawa. Mga kaugalian na naging bahagi na ng kulturang Pilipino.

Simula ngayon, ang SMART Pinoy ang magpapaalala sa iyo ng iba’t-ibang kultura at kaugaliang Pinoy, mga kakaibang katangian na tayong mga Pinoy lang ang nakakaitindi.

Sundan lang yan dito at maari ring itsek sa SMART Pinoy Facebook at Instagram accounts.

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Success Storyfrom page 11

always had this feeling of being on top of the world and wanting everything served to them—food, drinks and business ideas. The barbershop is not just where one collects barber’s tales: it is also where viable business ideas simmer.

And so, this was how his career unfolded. He’d spent months on sea, save every penny while on board, and at the end of each contract, look for a business to invest in. He was conscious of the fact that his career as a seaman was not permanent, and that he had to make sure that upon retirement, he had businesses which could sustain their lifestyle. The temporary and precarious nature of his profession was impressed upon Art by two incidents in his career.

The first was when they discovered three African stowaways in the ship’s cargo hold. The stowaways had spirited themselves into the ship while the latter’s cargo of rice from China was being unloaded into the port of Abidjan in Ivory Coast. They had hidden in the cargo hold during the day and raided the lifeboats for its food provisions in the evening, and when they had exhausted this source, they made forays into the ship’s kitchen and the crew’s cabins to look for leftovers. They knew their way around the ship because they turned out to be jobless seafarers. One was a cook, another a mess man, and the third, an electrician. The alarm was sounded when the guards noticed forms moving in the dark, and when the crew’s accommodations began to smell from the sweating and unwashed bodies of the stowaways.

Since the ship was already three days into its journey to Brazil, the decision was taken to repatriate the stowaways. Art was put in charge of constructing a makeshift lifeboat that would take the stowaways back to the African mainland. He fashioned four empty drums and lashed them to pieces of wood, and constructed some kind of roofing to shield the stowaways from the burning African sun. He loaded the boat with water and food and gave cash to the men. As he lowered the three men into the makeshift lifeboat, he realized how dangerous his job was. What if these were terrorists and had blown themselves or the boat to smithereens? What if they had some virus with them and had infected us upon contact? I thought about the Ebola epidemic which has killed thousands of people in the very same African region where the stowaways had come from, and I wondered if the government had health protection mechanisms in place to protect our seamen who might find themselves in these affected countries.

Maraming bagay ang dapat kong ipagpasalamat sa Panginoon. Una rito ay ang buhay na pinagkatiwala niya sa akin, iyon ay ang aking mga anak at buong pamilya na umaasa at nagtitiwala sa aking kakayahan bilang isang taong hinubog ng panahon at pinatatag ng sarili kong karanasan.

Ako po ay si Lycel Moreno Ibanez, 41 years old at tubong Romblon. Pangalawa sa labing dalawang magkakapatid, lumaki ako at nagkaisip sa isang simpleng pamumuhay. Ang aking ina ay isang ulirang maybahay at ang aking ama ay magsasaka. Bilang panganay sa mga babae, maaga akong natuto sa mga gawaing bahay

at pagaalaga sa aking mga kapatid. Nakapagtapos ako ng elementarya na may karangalan. Nang ako ay nasa secondarya na, ang dating maalwan na pamumuhay namin ay unti-unting nawala. Napilitan akong umalis sa isla namin para makipagsapalaran sa Maynila. Mahirap ang trabaho lalo pa’t hindi ako nakapagtapos ng pag-aaral. Napilitan akong bumalik sa amin para magpatuloy sa pag-aaral. Pinalad akong maipasa ang PEP Test at ako’y nagkaroon ng tsansang tanggapin sa kolehiyo. Dito na nagsimula ang masalimuot na takbo ng buhay ko. Natapos ko ang kursong Bachelor of Secondary Education. Subalit kalakip nito ang takot dahil sa panahong ako’y nag-aaral, dito rin ako nagkamali sa pag-ibig. Nagkaroon ako ng anak na

The second incident involved Art himself when he was already Chief Mate. They had come from Europe and was somewhere just outside the English Channel, when the ship sailed smack into foul weather. The ship’s anchor began to bang violently against the hull. Art led a team sent by the Captain to do something about the problem. Upon examination, he realized the only way to stop the banging was to lash the anchor with mooring rope, but to do this, the ship had to turn away from the direction of the weather to enable the team to work on the problem with a minimum of disruption from the gale-force winds. Having done the repair job, his Samoan teammates had headed back to safety and Art was starting to walk back to the bridge when the ship returned to its original course line. As soon as the ship turned, a huge wave crashed on the prow, upending Art like a stuffed doll, and violently smashing his head into the solid-steel forward mast. If he wasn’t wearing a helmet, he would’ve been a goner. If he didn’t have a safety harness on, he would’ve been washed overboard by the receding wave. The captain had miscalculated the timing of the ship’s turn, and had almost ended Art’s seafaring career.

Art was bleeding profusely from the head wound, and the ship’s medical officer, the Second Mate, almost fainted from the sight of so much blood. He was paralyzed and couldn’t apply first aid to Art. Although feeling dizzy, Art was amused at the silliness of the ship’s medical officer being petrified by flowing blood. Not having lost consciousness yet, Art himself issued instructions that he be brought to the ship’s hospital, and still bleeding, sutured his own head wound. He was airlifted to the Azores, the nearest island, and confined in a hospital for seven days. From there, he was flown to Lisbon, where he took a flight home to the Philippines. To this day, he keeps the crushed helmet which saved his life, a constant reminder of the precariousness of his trade.

What are the challenges he faces in his businesses?“Being all service businesses, the top challenge is always

manpower—the quality of manpower, how to control embezzlement or petty theft, how to retain the good ones, how to ensure they follow instructions, and what internal control measures to apply,” quickly came the reply, indicating he had thought long and hard about this issue. Art also looks out for telltale signs of wrongdoing among his employees. Things like when an employee who has a pattern of making cash advances, is no longer asking for a loan or is sporting a new expensive watch or jewelry, or reporting late. Long before the

term lifestyle check became popular, Art was already doing it on his employees whom he suspects of anomaly.

The critical importance of being on top of all aspects of business operations was highlighted by Art’s ill-fated venture into the shawarma business. He had timed the acquisition of a shawarma machine from Turkey to the opening of the Gaisano Mall in Butuan. It was a hit, especially when there was a good movie showing, but he couldn’t sustain it. It was eating too much of his time, and he couldn’t trust anybody else to operate the food stall. He had to wake up as early as 4 am to defrost the marinated meat for the shawarma, and be constantly present at the mall till closing hours.

What other businesses was he planning to go into?“I think, a gasoline station business would be quite profitable,”

he said with a glint in his eye. He advises potential OFW business operators to take into account that success in business in the service industry depends on the availability of capital and a good location. Capital may be accumulated from savings, and in this regard, the OFW and the family have to be partners in applying the principles and discipline of savings. Finding the right bank to borrow from is also another way of capitalizing one’s business. Find what is needed by the community—whether goods or services.

He also warns OFW entrepreneurs against hiring relatives as employees. Art had learned his lesson the hard way about hiring relatives. He had bagged the contract to operate the canteen of the St. Joseph Institute of Technology, and hired his own nephew to manage the canteen. The nephew managed the canteen well, but he had other things in mind. He engaged in a sideline business which eventually led to the shutdown of the canteen and his conviction and incarceration—pushing prohibited drugs. He was selling drugs to students and using the canteen as cover. Despite the shame the nephew had brought to the family, the bridge between Art and SJIT was not burned. He was recognized as an outstanding alumnus.

Art is a 4-time recipient of OWWA’s various loaning windows, and has sunk all the loans into all his businesses. Now, he employs a total of 38 employees in his various businesses, not counting those he has employed in his failed ventures. He is waiting for his next deployment, hopefully as Captain. That would cap a long and fruitful career as seaman, which he has leveraged to open several business, and which are now paying it forward by creating decent jobs in the community.

The Story of my LifeLycel M. Ibanez

Yan Michelle S. Chinglalaki, pero hindi ito naging hadlang para tapusin ko ang karerang tinatakbo ko. Isa lang ang nasa isip ko noon, ang makatapos at magkaroon ng magandang trabaho.

Maraming tao ang nagsabing wala akong mararating at babalik rin ako sa pinanggalingan ko na luhaan at manlilimos. Ang isang anak ay naging tatlo. Sa pagkakataong ito ay hindi ko na alam ang gagawin ko lalo pa’t hindi ako nagka-asawa. Mas pinili kong buhayin ang mga anak ko sa sarili kong pagsisikap. Nang magkaroon ako ng pagkakataon na umalis ng bansa at walang atubili kong iniwan ang mga anak ko sa pangangalaga ng aking ina upang makipagsapalaran sa ibang bansa. Nagkaroon ako ng mababait na amo sa Singapore ngunit dahil sa mababang sahod ay nagpasya akong tumulak papuntang Hong Kong. Dito ko naranasan ang walang kasing sama na amo, nang makagat ako ng aso nila, sa halip na ako’y ipagamot ang aso pa nila ang pinatingnan nila sa beterinaryo. Naranasan ko rin ang kumain na wala sa oras, kung minsan pa ay walang pagkain ngunit hindi ito naging hadlang para sumuko ako. Hindi rin ako nagtagal sa amo kong iyon, apat na buwan lamang at naterminate ako. Hindi ko pinalampas ang pangaabuso niya sa akin. Nagbigay ako ng reklamo sa Labour Department of Hong Kong at simula noon ay hindi na sila nakakuha ng katulong dahil hindi lang pala ako ang dumanas ng pang-aabuso nila.

Nagpatuloy ako, nakapagtrabaho sa isang western family at dito nagsimula ang magandang buhay ko. Itinuring nila akong pamilya, unti-unti akong nakabangon. Patuloy ang pag-aaral ng mga anak ko habang nagtatrabaho ako, kahit malayo ako sa kanila lumaki silang magalang at masipag sa pag-aaral. Ito rin ang isa sa naging inspirasyon ko para gawin ng tama ang trabaho ko. Maraming bagay ang natutunan ko sa pananatili ko sa Hong Kong at isa rito ang pagkakaroon ng lakas ng loob para ipagtanggol ang sarili. Dito ko natagpuan ang tunay na kahulugan ng pananampalataya sa Panginoon. Tanging Diyos lang ang nakakaalam ng buhay na nakalaan sa atin. Gamitin natin ang kakayahan natin sa mabuting paraan. Nasa Diyos ang awa, nasa tao ang gawa. Huwag nating ikahiya ang ating pagkakamali, bagkus ito’y gawin nating inspirasyon para magpatuloy at tapusin ang karera ng buhay natin. Ang pagkakaroon ko ng tatlong anak ang pinakamagandang nangyari sa buhay ko. Anuman ang narating ko sa buhay, ito ay dahil sa kanila. At sila rin ang aking ngayon, bukas at magpakailanman.

 

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Kwentong PinayPangarap na Pasko

Violy Pascual

Taun-taon dumarating ang Pasko at nakapako sa huling buwan ng taon ngunit tanging sa Pilipinas na ang pagdiriwang ay umaabot ng halos apat na buwan. Pinaghahandaan ng husto, kasalukuyan pa lang ang selebrasyon ay maririnig mo na ang mga linyang, “sa susunod na Pasko, gagawa ako ng mas bonggang handa” o “maglalakbay ako sa ibang lugar upang makaranas ng kakaibang Pasko” at iba pang pangarap.

Pasko ng OFW, pinaghalong saya at lungkot na kung tutuusin ay nakakabasag-lalamunang bigkasin ang “Merry Christmas” lalong-lalo na sa nanganganay mangibang bansa. Pasko ang pinakamimithing panahon nang sama-samang samantalahin ang pagkakataon at maipagdiwang ang diwa nito.

Si Insiang na naka-tatlong Pasko sa Hong Kong, luha at tahimik na pag-iyak ang kanyang dinanas. Itong darating na Pasko ay matutupad na ang kanyang panalanging makasama ang kanyang asawa at nag-iisang anak sa Bicol. Ang kanyang kagalingan at disiplina sa sarili, halos naabot na niya ang kanyang pakay sa pangingibang bansa.

Planong bakasyon ng Pasko ay may nakalaan ding halaga na siyang pagkakasyahin dahil ang perang kikitain sa apat na taon ay nakaporma na para sa pag-aaral ng anak sa kolehiyo.Sahod bilang guro ay hindi sasapat na maka-ipon agad para sa pag-aaral ng anak. Ang kanyang asawa naman ang nangangalaga sa kanilang palayan ay mauubusan ng lakas ngunit hindi pa rin makakasapat para sa maayos na pangangailangan nilang tatlo.

Napakagandang usapan na apat na taon

lamang o dalawang kontrata ang kanyang itatagal sa malayong lugar. Katulad ni Insiang, ang asawa ay puspusan ang maayos ding paghawak ng kanilang ipon. Sa kanilang naisipang pandagdag kita, ang pagbili ng mga palay habang hindi pa ito naani o nagsasanla ng palayan, kung saan ang ani ay mapupunta sa kanila habang hindi naibabalik ang kabuuang perang sanla. May alaga din mga baboy at mga taniman ng gulay. Napakaraming pinagkakakitaan ng asawa ni Insiang, ganoon din siya tuwing Linggo na dapat araw ng pamamahinga at pagliliwaliw, siya ay nagpepedicure, manicure at may mga paninda pa itong mga phonecards.

Mahigpit at marunong siyang magdala ng munting negosyo dahil hindi siya nagpapautang ng mahigit sa dalawang daan, para daw matakbuhan man siya ay hindi gaanong masakit at maapektuhan ang kanyang puhunan. Lumampas na sa inaasahang maipon at pwede na sanang hindi na bumalik pagkatapos nitong bakasyon ngunit mababait ang mga amo kung kaya’t tatapusin niya ang kontrata hanggang sa darating na Hunyo.

Ang gastusing nakalaan ay ang kinita niya sa paglilinis ng kuko at pagtitinda ng phone cards. Buo ang sahod na napupunta sa ipon, dahil hindi siya maluho ngunit hindi naman ginugutom ang sarili. Ang tatlong beses na Paskong malayo sa mag-ama niya, ang pinakamatinding gumiba sa kanyang dibdib ngunit babawiin niya sa ngayon at pinangako sa sariling hindi na muling magkakahiwalay ang kanyang pamilya pagkatapos ng kasalukuyang kontrata.

Merry Christmas to all!

Source: http://www.richlymiddleclass.com/

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Invite your employer to nominate you and get a chance to receive HK$500 load and Php5,000 worth of remittance thru Smart Pinoy Remit!

Have you ever done something in your job that your employer really appreciated? If you did, you can be nominated by your employer to the “Outstanding Filipino Worker (OFW)” Program of SMART Pinoy. Here’s how to join:

To give recognition to outstanding Filipino worker for his/her exemplary and extraordinary work performance, the employer needs to send a nomination letter that contains a description of the qualities of his/her employee that would justify his/her recommendation for the Program. The employer may cite a specific situation or incident on why his/her employee deserves to be given the OFW Award. The winner may be recognized for going the extra mile, years of service or a situation that will “wow” his/her employer for an excellent performance.

There will be one winner per month and nominations shall be sent on or before the 10th day of the month at [email protected]. Nomination letter should contain the following details: name of employee, first 4-digits of employee’s HK ID, SMART Pinoy Mobile Number, copy of employment contract, name and signature of employer, mobile number of employer and description or justification for the nomination. Aside from the fabulous prizes, the winner’s nomination letter will be published in SMART ang Pinoy publication the following month.

Pasulatin sa amin ang inyong employer at magkaroon ng chance na manalo ng HK$500 load at Php5,000 worth of remittance thru Smart Pinoy Remit!

May nagawa ka bang kakaiba para sa iyong employer na labis niyang ikinatuwa? Kung meron, maaari mo siyang pasulatin sa amin para ikaw ay ma-nominate sa “Outstanding Filipino Worker” Program ng Smart Pinoy.

Para mabigyan ng recognition ang iyong magandang nagawa, kailangan magpadala ng nomination letter ang iyong employer at isalaysay niya kung bakit ka nararapat ma-nominate sa programang ito. Maaaring magbigay ng isang sitwasyon o pangyayari ang iyong employer na makapagpapatunay sa kabutihang nagawa mo sa kanila o sa ibang tao. Ito ay maaaring may kinalaman sa isang bagay na nagawa mo na higit pa sa inaasahan ng iyong employer, patuloy na walang sawang paglilingkod sa nakalipas na mahabang panahon o napa “wow” mo siya sa isang kakaibang nagawa mo sa iyong trabaho.

May isang winner bawat buwan at ang nominasyon ay maaaring ipadala bago ang ika-10 ng araw ng buwan sa [email protected]. Kailangan ilagay sa nominasyon ang mga sumusunod: pangalan ng worker, unang apat na digits ng kanyang HK ID, Smart Pinoy Mobile Number, kopya ng employment contract, pangalan at lagda ng employer, mobile number ng employer at ang justification para sa nominasyon. Ang winner ay makakatanggap ng HK$500 worth of load at Php5,000 worth of remittance. Ilalagay din namin ang nomination letter ng nanalo sa susunod na issue ng Smart ang Pinoy Publication.

Ang programang ito ay para sa ating mga OFW dahil nais naming kilalanin ang inyong galing, sipag at tiyaga. Kung may nagawa kayo na labis na ikinatuwa ng inyong employer, sali na at baka kayo na ang susunod na Outstanding Filipino Worker!

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Big Things come in small packages. This adage was proven true yet again by 34-year old Edgar “Injap” Sia II who saw the potential of a tiny, vacant retail space in the carpark building of of Robinsons Mall Iloilo to house a new restaurant concept.

That he even thought of leasing the 250-square-meter space caught many in Iloilo by surprise since it had been unoccupied for three years. Other entrepreneurs did not dare touch it as they thought it to be far from ideal.

The space, after all, was at the far end of the building and out of the way for most of the mall goers. But the architecture undergraduate of University of San Agustin, Iloilo saw it differently and immediately leased the space. It was then that the wheels of Mang Inasal started turning.

“The concept of Mang Inasal just came to my mind after I got the space. At that time, when the vacant space was offered to me, I was actually already in search of going into something that I can expand nationwide. When the mall said that the area should be used as a food outlet, I started thinking of a concept that is related to food, which I can also expand nationwide,” says Injap, who learned all about business from his parents, who run a grocery store in their hometown of Roxas City in Capiz.

Injap’s soul searching led him to discover that there was no fast food at that time that was selling grilled chicken, specifically the Iloilo concept of chicken inasal, known throughout the country because of its unique taste courtesy of the special mix of herbs and spices. “I grabbed the opportunity to be the first to offer barbeque chicken to the market. I never believed in copying an exciting concept. You have to discover something unique. Copying someone else’s concept is risky and will eventually lead you nowhere,” Injap says, “The idea was just to simply convert the inasal casual dining experience into a fast food operation.”

Excited about the prospects of his grilled chicken concept, Injap immediately sat down with his siblings and parents to put some flesh into his idea. They ran through the many items they needed to finalize, like the name, the look of the store, recipe, price range, target market, potential workers, uniforms and suppliers.

“My brother, sister, parents and wife became my consultants and taste testers during family dinners at home,” Injap shares, adding that it is not unusual for the family to talk business while eating since they all grew up in a business oriented environment. To be employed by somebody else was not really the ambition in life in the Sia household. Rather, they were trained to eventually provide jobs to others by setting up their own companies.

From Iloilo, Mang Inasal Takes on the World

With an initial capital of P2 million, Injap opened the first Mang Inasal at the carpark of Robinsons Mall in Iloilo City in December 2003. The fitting name just came to them, he says; no fancy research nor expensive focus group discussions were required. To say that the market warmly welcomed Mang Inasal is an understatement, as customers came in droves that first day to sample chicken inasal in a fast food joint. And because the inasal meals were sold at affordable prices, most of the residents of the university town of Iloilo were able to taste what Mang Inasal had to offer.

The unexpected spike in orders that first day, however, showed Injap that he had to improve operations and quickly if he wanted to keep operations running smoothly while attending to the demands of the growing number of customers. “We had several operational problems that first day because it was our first food venture. We really did not have the operational systems in place at that time,” explains Injap, who also had to borrow another P400,000 from his parents because the initial P2 Million was not enough to keep operations going for another month.

Injap and other members of his family worked double time to put the necessary systems in place, which was just as well because sales of that first Mang Inasal outlet showed no signs of slowing down. The combination of unlimited rice and fresh, grilled chicken was just too hard to resist. But even if Mang Inasal was packed all day, every day and he was able to start paying back his parents after just eight months of operation, Injap was still wary and hesitant to expand because he was not sure if the business model was sustainable. He wanted to first make sure that Mang Inasal would be around for the long haul and not just a flash in the pan.

“Yes we were full and packed every day but I know that if you are new, people will try you out. I had to be disciplined and I forced myself to wait for two years to make sure that the concept of Mang Inasal is really sustainable and not just a fad. There is no science that will tell you if your concept is fad. Only time will tell, a full two-year cycle,” explains Injap. So what he did and he used that time to perfect the concept, recipe and operations of Mang Inasal. He also turned down persistent requests to get a franchise and put up Mang Inasal branches in other parts of the country.

“In our first year of operation, many people already inquired for a franchise. But we kept our discipline. We did not want to be reckless and franchise out immediately, so that in case it is a fad, we won’t involve other people,” Injap says. The spectacular success of Mang Inasal throughout its short history has shown that his fears were unfounded after all. Mang Inasal is not a fad, far from it, as Injap’s happy franchisees can readily attest to. “The hardest part was building the first 200 stores. We knew that the only way to be successful in the fast food game is to have the scale. This is why your business concept should be unique and new so that you can have a good store network,” Injap says.

That extensive store network and unique concept behind Mang Inasal eventually caught the interest of fast food giant Jollibee Foods Corporation such that Mang Inasal is now under the wing of Jollibee, making Injap one of the richest men in the Philippines in the process. Injap, however, remains part of the Mang Inasal story as one of the directors deciding on the future of Mang Inasal. And what a bright future it is promising to be. “While the company continues to expand, there is also focus on improving the operations further, coming up with more exciting menus and bringing down cost by deploying more efficient processes,” says Injap.

Given how far Mang Inasal has gone from that cramped, remote retail space in Iloilo City, Injap can very well afford to retire and take it easy for the rest of his life. But Injap is not done yet. There might be other businesses to get into in the future. As Injap says, “For now, I’m just spending time learning and observing to gain more knowledge and experience in the world of business.” Source: Joey Concepcion’s 50 Inspiring Stories of Young Entrepreneurs as published by Philippine Center for Entrepreneurship, 2011

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SMART Pinoy CommunityHong Kong Musicians Union

HKMU Broadway MusicCity Hall Theatre, Central

13 October 2015

United Nueva Vizcayanos Hong KongVizcaya Day and Search for Saniata Ti Nueva Vizcaya

and Sassy Look International 2015Chater Road, Central

18 October 2015

The Hong Kong Musicians Union rendition of “We are the Champions!”  

Singer and actor Michael Wong’s duet with HKMU Chairperson Ela Lo of the famous song “Could We Start Again, Please” from the rock opera “Jesus Christ Superstar”.

Sassy Look International Winners: Jennifer Ilarde – Trumpline, grand winner; Aiko Gelyn Olleca – UNO, 1st runner-up; Carmelou Gudran - Confederation of Samahang Ilokano, 2nd runner-up; Shirley Abubo - Abante Cagayanos Association, 3rd runner-up; Lorena Briones - Dreamers Association, 4th runner-up.

Arachnid Migrant Workers Association Battle of the Sexes

Bayanihan Center Auditorium1 November 2015

Nikki Flores (left) with Joanna M. Uson of PLDT Hong Kong and Jonathan Inocencio of Voice Image Production.

Onjon Ni Ibaloy Association Hong Kong chapter won the corn festival booth competition.

Saniata Ti Nueva Vizcaya Winners: Saniata Ti Solano - Pacita Boado, grand winner; Saniata Ti Villa Verde - Joy Vicente, 1st runner-up; Saniata Ti TNVAGA - Gladys Cadiz, 2nd runner-up; Saniata Ti Ocapon Villaverde - Jhen Bulayungan, 3rd runner-up.

GT-Arachnid organizers and members with board of judges and adjudicators.

Best of the best female category winner, Marjorie Ponce awarded by GT-Arachnid Bhessie Ussam, SMART Pinoy and Uno Premier HKG Macau.

Best of the best male category winner, Aris Lamorena awarded by GT-Arachnid President Hiedee Pahuyo and Smart Pinoy.

Philippine Volcanoes Meet and GreetPhilippine Association of Hong Kong

Grappa’s Cellar, Jardine House5 November 2015

Philippine Volcanoes posed for a photo with fans.

Introducing Philippine Volcanoes team.

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CARAGA Overseas Workers AssociationProject Runaway Season 2, Search for Ms. Fashion Icon and Hair and Make-up Artist 2015

Bayanihan Auditorium8 November 2015

BKTC Asian Migrant Women Volleyball Tournament 2015 Awarding Ceremony

Bayanihan Auditorium15 November 2015

Agricultural Livelihood Project InternationalOrganic and Vegetables Production Seminar

Grand Panorama Club House, Mid-Levels15 November 2015

United Group of Batangas Hong Kong Association6th Anniversary, UGB Livelihood Graduation, Search for Bb. Gandang Pinay

Hong Kong and Coronation of UGB Ambassador & Ms. Celebrity Queen 2015Foo Lum Palace

8 November 2015

Left to right: Daisy Mendoza, 3rd Runner-up; Sheryll Hipol, 2nd Runner-Up; Cheryll Antimano, HMUA 2015; Ma. Fe Antimano, Ms. Fashion Icon 2015 Season 2 Winner; Rain Labio, 1st Runner-Up

Candidates with their hair and make-up artists. Smart Pinoy raffle draw winners Regina Alfin, Luz Balanag and Gina Gevero with PLDT Hong Kong personnel.

United Group of Batangas Hong Kong Association’s officers, members and friends together with special guests, Hon. Mark Llandro “Dong” Mendoza and Hon. Mario Ilagan, Congressman and Councilor, respectively of the province of Batangas.

Mary Grace Sabado from ABACA, Bb. Gandang Pinay 2015; Ms. Cherry Ann Gacusan, 1st Runner-up; Alma Bustarde from JFC, 2nd Runner-up; and Ms. Janice Santiago from Mindoro, 3rd Runner-up.

UGB Livelihood graduates with Guest Speaker, Hon. Dong Mendoza and special guests, Hon. Mario Ilagan and Vice-Consul Alex Vallespin of the Philippine Consulate General in Hong Kong.

Smart Pinoy raffled off special prizes for lucky winners: Marilou Nisperos, Tomas, Resma Mae Rejano, Minette Carce and Thalia Hernandez. With them are Francis Ita-as and Greg Matubis, Jr. Sales Manager and Marketing Officer, respectively of PLDT Hong Kong and Ofhel Berzuela, President of United Group of Batangas Hong Kong Association.

Oath taking of the new set of officers: Ofelia A. Berzuela, Re-elected President; Rosalie Pasia, Vice-President (Internal); Lenie Biacora, Vice-President (External); Rustica Ramirez, Secretary; Marshalyn Dimaala, Asst. Secretary; Mina Espina, Treasurer; Teresita Bergado, Asst. Treasurer; Ruth Alad, Auditor; Loida Perez, Asst. Auditor; Evelyn Dantes and Belinda Aguado, PROs; Aileen Aborquez, Thalia Hernandez and Maribel Lizondra, Business Managers; Connie Manalo and Perla de Ausen, Coordinators. The group was founded by Rufina Viceral.

Ms. Fashion Icon 2015 fans and supporters were excited to meet and cheer their candidates.

Executive Committee of Agricultural Livelihood Project International (ALPI) with Rising Yuera International and participants of the seminar.

ALPI Founding President Florante George Rafael shares how ALPI started and organized livelihood projects over the years.

Winners of Smart Pinoy raffle draw: Evelyn Santos, Lydia Ponce, Ruth Tandayao, Ching Baltazar and Vivian Saremo together with organizers and PLDT Hong Kong personnel.

Raffle draw winners Miljohn Guanteto, Lea Bentijaba, Chona Blancacer, Erica De Guzman,and Maribel Ramos together with PLDT Hong Kong personnel.

2015 Asian Migrant Women Volleyball Tournament champion, D’BAY team with Vice Consul Alex Vallespin (2nd from left) and Mr. Ed Ubamos (left).

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OWWA Programs and Services are discussed during the conduct of the Post Arrival Orientation Seminar (PAOS) and flyers are automatically d e s s i m i n a t e d upon payment of membership fee during their renewal of employment contracts. It can also be seen in the website of the Overseas Workers Welfare Administration.

For specific inquiries handled, Welfare Officers usually explains and enumerates the documentary requirements per program and services.

POLO-OWWA innovates by preparing a customized FAQ for easier understanding as strategy to simplify the information and dessimination of the post. Three (3) FAQs were developed such as OWWA’s social benefits, Educational program and OFW livelihood and Reintegration Program.

Welfare Officer Judith G. Santos said that OFWs will find it easier to read because it contains the specific documentary requirements for th eprogram or services which will be availed by the OFW. Also, the address and contact numbers of the Regional Welfare Offices are also indicated to guide them in their transactions.

Aside from distributing this to our regular clients, some stakeholders, Filcom organizations requested copies to guide them in handling some queries about OWWA’s programs and services which may confront them.

In a Post Arrival Orientation Seminar (PAOS) which was requested by the Free Believers in Christ Fellowship held on November 8, 2015 at their church located at Mei Sun Lao Building, Des Veoux Road West. It was attended by almost 200 Household Service Workers which was most of them were not newly arrived workers, hence, it was the target clients for the information materials the post initiated.

On the other hand, Officer -in-Charge Ma. Nena G. German expressed her appreciation to its organizers because BM Online was also discussed during the activity as part of the advocacy to de-clog the OEC counters during peak seasons.

20Balitang Konsulado Bernardita L. Catalla

Consul General

FREQUENTLY ASKED QUESTIONS (FAQ) ON OWWA & SERVICES CUSTOMIZED FOR OFWS IN HONG KONG

22 November 2015 - In its second year of partnership with the Integrated Bar of the Philippines (IBP), Post organized “Idulog mo sa IBP 2” on 14-15 November 2015 with legal consultations and a legal forum at the Consulate’s premises.

A delegation of 37 lawyers from IBP Central Luzon and University of Santo Tomas Graduate School, led by IBP National President Atty. Rose Setias-Reyes and IBP Central Governor Jose I. Dela Rama, Jr., participated in the event. Several lawyers also gave a talk at POLO’s Post-Arrival Orientation Seminar (PAOS) for new OFWs in Hong Kong.

Close to 400 members of the Filipino community were served by IBP during the 2-day consultations, legal forum and PAOS talk.

The visiting lawyers noted that most of the problems they handled revolved around marriage, property, and loan issues. At PAOS, talks focused on investment scams, loan transactions, and unlawful possession of ammunition.

As part of the visit, the IBP officers met with officials of the Hong Kong Bar Association (HKBA) and toured the facility of the Hong Kong International Arbitration Centre (HKIAC).

SOME 400 OFW’S IN HONG KONG GIVEN FREE LEGAL ADVICE

IBP and UST Graduate School lawyers providing legal advice on Philippine law to members of Filipino community

Atty. Bembol DL. Castillo giving a presentation on marriage as provided in the Family Code of the Philippines.

IBP National President Atty. Rose Setias-Reyes introducing IBP, its structure and functions to HKBA officers.

Atty. Jay Santiago of HKIAC giving a brief presentation to IBP officers and Post’s Vice Consul Alex Vallespin.

The IBP delegation with Consul General Bernadita Catalla (seated, fifth from right) and Post’s Civil Registry and Legal Section members.

Filipino community members waiting for their turn for legal consultations.

To promote health and wellness among the Filipino Community in Hong Kong, the Philippine Consulate General, in partnership with the Hong Kong Breast Cancer Foundation, organized and sponsored free breast screening and mammogram services at the Consulate’s premises on 22 November 2015.

Now on its fourth year, the

project benefited more than 50 women 40 years old and above.

The Hong Kong Breast Cancer Foundation was represented by Ms. Grace Chung, Senior Health Officer; Ms. Liza Leung, Health Service Officer, Ms. Alice Yeung, Executive Officer; and Ms. Cynthia Chiu, Health Service Assistant.

WOMEN OFWS IN HONG KONG UNDERGO BREAST SCREENING AND MAMMOGRAM

Hong Kong Breast Cancer Foundation officials Ms. Liza Leung (left photo) and Ms. Grace Chung (above photo) with members of the Filipino Community who availed of the free breast screening and mammogram services.

Filipino Community members waiting for their turn during PCG’s free breast screening and mammogram services in partnership with the Hong Kong Breast Cancer Foundation.

From left to right: Mr. Hermogenes Cayabyab, Jr., PCG ATN Officer; Vice Consul Fatima G. Quintin; Ms. Alice Yeung, HKBCF; Ms. Grace Chung, Hong Kong Breast Cancer Foundation (HKBCF) ; Ms. Cynthia Chiu, HKBCF; Ms. Liza Leung, HKBCF; Ms. Leonida Longcanaya, PCG ATN Officer; Ms. Lorna Mojica, PCG ATN Officer; and Mr. Danilo Baldon, PCG ATN Officer, during the awarding of certificates of appreciation to the HKBCF officials.

BAWAL MAGSUGALAng pulisya ng Hong Kong ay kasalukuyang

gumagawa ng aksyon laban sa paglaganap ng pagsusugal kaugnay na rito ang pag-aresto. Pinapaki usap ng pulisya sa publiko na maging mapagmatyag at magbigay ng impormasyon sa anumang ilegal na pagsusugal.

Muling nananawagan ang Konsulado ng Pilipinas sa Hong Kong sa lahat ng Pilipino na umiwas sa anumang uri ng pagsusugal kasama ang paglalaro ng baraha, bingo at lahat na kauri nito sa mga walkway, sidewalk, daan, parke at mga pampublikong lugar.

• Unang Paglabag - Multang HK$10,000 at pagkabilanggo ng tatlong (3) buwan

• Ikalawang Paglabag - Multang HK$20,000 at pagkabilanggo ng anim (6) na buwan

• Ikatlo at susunod na paglabag - Multang HK$30,000 at pagkabilanggo ng siyam (9)

na buwan.

Inilathala noong ika-24 ng Setyembre 2015

Ayon sa Ordinansya sa Hong Kong tungkol sa pagsusugal, ang sinumang maaresto ng pulisya sa akto ng ilegal na pag-susugal ay mahahtulan ng sumusunod:

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OFW Rosita Dimaano Sabaria visited the POLO-OWAA Office on September 9, 2015 for any assistance due to her health problem because she was diagnosed of stage 4 ovarian cancer last August 28, 2015.

OFW Sabaria narrated that she has been in Hong Kong since 2008 and has been working with her employer since January 6, 2014. “Ang employer ko po ay supportive naman sa akin at tinanong ako kung ano ang last wish ko bago ako pumanaw at sinagot ko na siya na gusto kong makita ang aking mga anak lalo na yung bunso ko na maliit pa yon nang iwanan ko.” she said. A woman of strength and positivity, you cannot see her feel miserable and having self-pity on her present medical condition. She further said that, “Gusto ko po dito na ako sa Hong Kong bawian ng buhay para hindi na ako asikasuhin ng mga anak ko.”

Realizing the pain she has gone through, she still manages to throw joke. Pag-lumaki ang tiyan ko hindi na ako makakain at kailangan ipasipsip ang tubig pero pag-nadrain na ang sarap na ulit kumain, she said. She also said, “Ayoko na din magpa-chemotheraphy kasi ayoko pumangit at matuyo ang balat ko, tanggap ko na malapit na ako mamatay.

The Philippine Overseas Labor office-Overseas Workers Welfare Administration find ways for her children to come to Hong kong for a compassionate visit and to provide social support to thier mother. PLDT Hong kong opened their doors through their “Wish Upon a SMART” project and pledge to provide air ticket for her two sons and accomodation during

their stay in Hong Kong.On the other hand, the Joint Case Management Team

was activated to synchronize the actions taken and assistance to be provided such as passport processing and other travel documents were immediately faciliatted by the Assistance to National Unit for its speedy release.

It was indeed a wish come true because PLDT Hong Kong generously purchased the air ticket and arranged their accomodation. Airport assistance was provided to her children at the NAIAN by OWAA Duty Officer, Michael Fajardo and they were met by Mr. Danilo Baldon of the ATN Unit at the Hong Kong International Airport.

Officer-in-Charge Ma. Nena G. German, Welfare Officers Judith Santos and Lorna Obedoza welcomed the family at the POLO Office on November 1, 2015. it breaks the heart of everyone to see that the family was reunited, happiness and tears of joy overflowed.

According to HSW Sabaria, she is so blessed and thankful that amidst her health problems, POLO-OWAA opened it’s doors and make all these assistance happpen. She was so happy breaking the good news to us “Alam nyo ma’am sabi ng Doktor, ooperahan raw ako sa lalong madaling panahon kasi maganda ang response ng katawan sa chemotheraphy sessions na ginagawa sa akin.

OFW Sabaria will be accommodated in the Filipino Workers Resource Center once her sons leave from Hong Kong.

 

   

   

 

OFW WISH GRANTED, JOINT CASE MANAGEMENT TEAM ACTIVATED

Dear Wish Upon a Smart,Ako po si Rosita Dimaano Sabaria, pitong taon na pong naninilbihan dito sa Hong Kong. Ako po

ay na-diagnose na may Ovarian Cancer - stage 4 noong 28 August 2015 sa Ruttongee Hospital. Ako po ay inadvise ng doctor na magtherapy session simula 17 September 2015 sa Queen Mary Hospital.

Dahil dito, ako po ay humihingi ng tulong sa inyo sa tulong po ng POLO-OWWA na maisakatuparan ang aking huling kahilingan na makita at makapiling ko ang mga anak ko sina Ronie D. Savaria at Christian Jeoff D. Legaspi. Ang aking employer po ay nais akong suportahan sa aking kalagayan at kumuha ng boarding house na tutuluyan ko habang ako ay nagpapagamot subalit hindi nila masasagot ang tutuluyan at plane tickets ng aking mga anak.

Ako po ay hindi pinalad na magkaroon ng sariling bahay sa Pilipinas kaya pinili ko po na dito na lamang sa Hong Kong ilagak ang aking natitirang panahon sa aking mga anak upang masulit ko ang gamit ng aking medical insurance at para di na rin po ako gumastos. Ang passport po ng aking mga anak ay kasalukuyang inaayos na sa tulong ng ating Philippine Consulate.

Ako po ay umaasa na maisakatuparan ang aking wish sa pamamagitan ng inyong programa. Kalakip po ng sulat kong ito ay ang aking larawan kapag ang aking tiyan ay lumalaki dulot ng aking karamdaman pati na din po ang mga doctor’s medical certificate.

Maraming salamat po at mabuhay po kayo!

Lubos na gumagalang,Rosita Dimaano Sabaria

Family reunited. OFW Sabaria was visited by her children, Ronie and Christian from the Philippines courtesy of Wish Upon a Smart Program.

Wish Upon A Smart recipient Rose Sabaria and her two sons with PLDT Hong Kong and OWWA teams.

Edith G. Gomez (right), General Manager of PLDT Hong Kong together with the marketing team visited OFW Sabaria and her children at their temporary accommodation in Jordan.

Dear Wish Upon a Smart,Ako po si Ronie, anak ni Rosita Sabaria. Salamat po sa tulong ninyo sa amin ng mama ko, sa mga staff ng OWWA at sa Wish Upon a Smart. Malaking bagay po sa akin at sa kapatid ko ang binigay ninyo pong pagkakataong magkasama kami at malaman ang kalagayan ng mama namin. Kayo na po sana ang bahala sa mama namin. Sana po huwag niyo po siyang pababayaan. Maraming, maraming salamat po sa kabutihang ginawa ninyo sa aming magkapatid at sa mama ko. Sana po marami pa kayong matulungan na kababayan natin diyan. God Bless po sa inyong lahat.

Lubos na gumagalang,Ronie D. Savaria

Thank you Letter

Request from Rose Sabaria56th Recipient

 

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Tara Na, Byahe Tayo!Zambales: Wreck Diving Capital of the Philippines

Vic Fronda

Stretching 173 Kilometers on the Central West Coast of Luzon Island fronting the South China Sea, Zambales is the second-largest province of Central Luzon and has one of the less densely populated areas in the Philippines – quite a surprise since the province is just 3-4 hours northwest of Manila. Most of its inhabitants are crammed in the lowland plains toward the coast – the indigenous Aetas (the earliest inhabitants) and the superstitious Sambals (an Austronesian group of people who displaced the Aetas and from whom the Zambales were named after) live in its mountain ranges.

Zambales has great wreck diving spots and it is actually considered as the wreck diving capital of the Philippines – with most of it concentrated in the Subic area, the former site of one of the biggest naval bases of the Americans in the area. During World War II, at least 25 Japanese ships were sunk off the Zambales coast – some of which were probably salvaged immediately during the immediate postwar period to open up Subic Bay for shipping. Rumors have it that there are at least 10 large ships or more that lie in its waters. Aside from World War II wrecks, the remains of the San Quentin (sunk in 1898), a wooden gunboat, lies nearby Grande Island. San Quentin is the oldest known wreck in the Subic area. Other wrecks include the USS New York (between Alava Pier and Cubi Point), El Capitan (Ilanin Bay), LST (near Grande Island), Oruku Maru (near Alava Pier), Patrol Boat (Triboa Bay) and LCU Landing Vessel (Triboa Bay).

My to do List

• Check out the Wildlife Farm in Botolan.

• Camp out in Nagsasa Cove.

• Do a quick island hop – Camara and Capones Islands; Snake and Grande Islands.

• Chill out at the unnamed beach between Pundaquit and Anawangin.

• Visit the local Aeta village.

• Go waterfall-hopping.

• Surf in the High 5 Lahar in San Narciso.

• Organise a beach cleanup with friends. If the locals won’t do it, do it yourself!

• Eat famed Zambales mangoes, the sweetest mangoes in the Philippines after Guimaras.

• Overnight at Potipot Island

Getting There

If you are not going with a tour group, you may try taking the Victory Liner going to Iba and they leave every half-hour from the terminals in Pasay, Sampaloc and Caloocan via Olongapo. Travel time varies between 3-4 hours to 6 hours.

If you are driving, you may want to grab an updated road Source: http://tourism-philippines.com/zambales/

map. You should drive through NLEX and then connect to SCTEX and then go through all the way to Subic. If you want to head further north to Pundaquit, drive past the cemetery in Subic to head to Subic Town. Past Castillejos Market, you turn left on the road to San Antonio after the municipality of San Marcelino. You go straight, make a left from the fork with T.R. Yangco Elementary School, turn right to Evangelista Street and then cross the bridge. The Pundaquit Coast is on your right. If want to go up further, skip the left turn to San Antonio and go straight north to Botolan and Iba.

Potipot Island

Camping at Anawangin

Pundaquit Waterfalls

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Balitang ShowbizAlden Richards, Maine Mendoza get cozy via news-paper dance

Senatoriable Alma Moreno ANC interview with Karen Davila goes viral; believes same-sex marriage is a sin

Kapansin-pansin na mas nagiging malapit sa isa’t isa sina Alden Richards at Maine Mendoza (a.k.a. Yaya Dub). Base ito sa #AldubHappyBdayLola episode ng Eat Bulaga! “Kalyserye,” kung saan nanalo sina Alden at Maine sa newspaper dance noong November 14.

Dito ay hindi maiwasang pisikal na maglapit sina Alden at Maine, habang nagiging mas maliit ang pagkakatiklop ng diyaryo na inaapakan nila. Kaya naman naparami ang pagyakap nila sa isa’t isa, at pagbuhat ni Alden kay Maine. Tulad na lamang ng pagpasan ni Alden kay Maine sa likod o piggyback style. At para sa kanilang winning strategy, tinanggal ni Alden ang kanyang suot na sneakers at saka binuhat si Maine sa paraan na madalas nakikita sa mga bagong kasal.

Nagisa nang husto si Alma Moreno nang sumalang ito sa panayam kay Karen Davila noong November 11 sa Headstart ng ANC. Maraming katanungan ang TV host sa dating aktres, na ngayon ay tumatakbong senador, na hindi nito nabigyan ng malinaw na kasagutan. Sa sunud-sunod na tanong ni Karen tungkol sa reproductive health bill, biglang nagsabi si Alma na, “Kailangan pa bang sagutin yun?”

Viral na ngayon sa Internet ang panayam ni Karen Davila sa United Nationalist Alliance (UNA) senatoriable na si Alma Moreno sa programa nitong Headstart sa ANC noong November 11, 2015. Tila nasukol kasi si Alma sa mga pag-uusisa ni Karen sa kanya kung ano ba ang mga panukalang gagawin niya sa Senado kung sakaling manalo. Si Alma ay tumatakbong senador sa 2016 elections sa ilalim ng tiket nina Vice President Binay at Senator Gringo Honasan. Tungkol sa isyu ng same-sex marriage, sagot ni Alma, “No. Parang hindi naman natin matanggap na parehong ano magpapakasal.” Tanong ni Karen: “Is it a sin for you?” Sabi ni Alma, “Yes. Sa akin, ha, yung magpapakasal. “Pero yung mag-ano, okay lang. Pero yung magpapakasal, parang hindi ko…” Tanong ulit ni Karen: “So, you think same-sex marriage is a sin?” “Yes,” diretsong sagot ni Alma. Isa pang tanong ni Karen: “If you won a Senate seat, what would be your advocacy in the Senate?” Sagot ni Alma, “More on sa kababaihan… Boses ng kababaihan... Magna Carta of Women...” Sabat ng TV host: “But then the law exists already.” Sagot naman ni Alma: “Pero may mga bagay na di na-implement…” Tanong ulit ni Karen: “Like what? I wanna hear it.” Susog ni Alma, “Teka muna... Katulad nun, di ba, may mga na-rape na mga bata, wala pa tayo nung law na ganun, e.Source: www.pep.ph

MATCHING SHOES AGAIN. Makikitang parehong nag-enjoy sina Alden at Yaya Dub na todo ang energy level habang ipinagdiriwang ang birthday ni Lola Nidora (Wally Bayola). Kapansin-pansin din na parehong nakasuot ng pulang damit sina Alden at Maine sa naturang okasyon. At sa isang punto ng Kalyeserye segment, bahagyang nawala sa pagiging in character sina Maine at Alden nang mapansin ng Dubsmash Queen na terno ang suot nilang white sneakers.

“Ay, pareho rin tayo ng sapatos. Ang galing! Hindi ulit kami na-orient,” Maine. Bagay na sinang-ayunan ni Alden, “Hindi kami na-orient! Hindi lingid sa kaalaman ng AlDub fans na madalas na hindi sinasadyang magkaterno ng sapatos ang dalawa.

ALDEN’S KILIG PICK-UP LINE. Kinakiligan din nang husto ang eksena kung saan ipinakilala ni Yaya Dub si Alden sa kanyang “Ninang Helen” na ginampanan ni Helen Gamboa. Yaya Dub: “Ninang Helen, si Alden nga po pala, kaibigan ko po.” Helen: “Talaga bang magkaibigan [lang] kayo?”

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Tumawa Ka MunaSmart Jokes

Mhar and Baby Omang

(2)

(5) (6)

(7) (8) (9) (10)

(3) (4)

(1)

Answers: 1. Candy Cane 2. Chocolate Kisses 3. Christmas Ball 4. Christmas Light bulb 5. Fruit Cocktail6. Fruitcake 7. Parol 8. Ribbon 9. Sanat Clause 10. Snow flakes

Picture PuzzleGuess the Photo

Edith G. GomezPublisher

Joanna M. UsonManaging Editor

Greg M. Matubis, Jr.Editor

Ma. Elaine F. SantiagoVic Fronda

Rachel M. ManuelYan Michelle Ching

Alex Rios Bessie Rios

Randell Tiongson Eric Narvaez

Federico ParagasVioly PascualColumnists

Baby L. OmangAnne C. Suaverdez

Khristine M. MarcelinoRichardson B. Sim

Mhar OmangJalilo Dela Torre

Contributors

Leomar Valiao Israel TandocPia Alejandro

Amelia RicablancaFrancis Ariel Mendoza

Creatives

Like us on facebook:www.facebook/SMARTPINOYHKOFFICIAL

Visit us at:www.SMARTpinoy.com/hk

P A R A S A M G AB A G O N G B A Y A N I

Printed By:Superflag Printing and Communication Limited

1/F, 8 Chun Ying Street, Tseung Kwan O Industrial Estate, Tseung Kwan O, New Territories, Hong Kong

SMART ang Pinoy is a monthly publication of PLDT HK Ltd. No part of this Publication may be reproduced in any manner without the permission of the Publisher. Any views or opinions expressed in this Publication are the writers’ and do not

necessarily reflect or endorsed by PLDT HK Ltd.

How to erupt No one teaches a VOLCANO how to erupt.No one teaches a TSUNAMI how to rise.No one teaches a HURRICANE how to sway.No one teaches a MAN or a WOMAN how to choose a wife or husband!Natural disasters just happen!

Eksenang HiwalayanWife: Maghiwalay na tayo! Husband: OK! Akin ang bahay! Wife: Akin ang farm!Husband: Akin ang kotse! Wife: Huwag mong isama ang driver, matagal ng akin yan! Husband: Pwes! Magkamatayan tayo! Akin siya!

Isang bahay may nakasulat na “Ice for sale”Bata: Pabili!Yaya: Ano bibilin mo?Bata: Kendi nga po.Yaya: Wala.Bata: CokeYaya: Wala!Bata: JuiceYaya: Wala nga! Kita mong “Ice for sale” yung nakasulat, malamang ice lang tinitinda namin! Tanga!Bata: Ikaw nga yung mas tanga kita mong ice lang tinitinda niyo, nagtatanong ka pa kung anong bibilhin ko, tanga!

James: Hi Bro...wassup? Vic: Just have dinner with wife...now holding scotch...James: Woow...which one...red label or black label?Vic: SCOTCH BRITE

JUAN: Pare, ang bilis ko nabuo ang puzzle

na ito! PEDRO: Gaano katagal? JUAN: 5 months!PEDRO: Ang tagal naman!JUAN: Matagal na ba yun eh sabi pa nga eh “FOR 3 YEARS AND UP”.

Bakit masarap magmahal ang mga taong mahilig magpatawa?

1. Ngiti pa lang niya, panalo na.2. Lagi kayong masaya, kahit problemado na. 3. Magaling magdala, kahit sablay na.4. Hindi ka talaga tatanda sa katatawa.5. Pag naging seryoso, talagang tatamaan ka.6. Sigurado, malalahian ka ng matalino. Mahirap yatang mag-isip para lang makapagpatawa.7. Kahit nasaktan mo na, feeling mo, okay lang sa kanya. Hindi mo alam, halos mamatay na siya kung paano niya ilalabas ang luha niya, dahil mas importante sa kanya na lagi kang masaya.

Isang bata ang inutusan para bumili sa isang Store ng Juice na nasa Sachet

Bata: Ale, pabili nga po ng isang Juice na nasa Litro Pack.Tindera: Yung powder ba?Bata: Ba’t Ate, may bareta ba kayong Juice?

CHUBBY Ka ba? Ngayon pa lang magbawas-bawas ka na dahil isusunod ng custom na pag-excess weight, may tax ka na!

Isang araw may nangingisda sa parke,

isang probinsyanong si Juan.

Nakita siya ng guard.Guard: Hoy! Bawal mamingwit dyan. Hindi mo ba nakikita at nababsa? ‘’NO FISHING ALLOWED’’Juan: Grabe ka naman. Pinapaliguan ko lang naman ang uod ko eh.

May tatlong bampira sa bar

Rich Vampire: Oorder ako ng fresh blood. Ordinary Vampire: Sa akin, isang order ng dinuguan.Poor Vampire: Hot water na lang sakin.Waiter: Bakit hot water lang po?Poor Vampire: Nakapulot kasi ako ng napkin sa kanto. Mag-tsa tsaa na lang ako.

TO WAIT - yan ang huni ng ibon. “to wait.. to wait.. to wait” (imported yung ibon kaya slang) THE EGG- ito ang bagay na mas nakakalamang ka sa kanila, kaya “the egg” mo sila LOVING A NAME- yan ang kasunod ng labinlima (15) SHE FEEL YOU- yan ang nilalagyan ng toothpasteTHE RICH ZOO- eto yung daan na hindi liku-liko “the rich zoo” lang

Sabi ng mga pangit“What is beauty if your brain is empty?”Ganti ng magaganda at guwapo: “ What is knowledge if your face is damage?

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First Time Dad Richardson B. Sim

Association EventsCalendar of Activities

It is that time of the year na naman. Pasko na ulit! Nakakailang Pasko ka na ba sa Hong Kong? Alam kong marami sa atin uuwi ng Pilipinas nitong Pasko at siyempre napakasaya dahil sa bawa’t ngiti, sa bawa’t sandal ay talagang ma-cherish mo ang every moment lalo na at on the average two weeks lang talagang magbakasyon ang ating OFWs sa ‘Pinas.

Hayaan ninyo, hindi po kayo nag-iisa, ako rin mga ten years na ding hindi nakapag-celebrate ng Pasko sa Pinas. Pero halos every 3 months umuuwi naman ako. Talagang natataon lang na may trabaho tuwing Pasko kaya huwag maging malungkot at mahirap iyan. Maging masaya na din tayo at masasaya rin sila sa Pilipinas. Gamitin na lang ang IDD, viber o skype para hindi maging malungkot.

At siyempre, sa darating na Pasko, gusto ko lang pasalamatan ang aking asawa and please allow me to share ang picture ng aking mahal na asawa na si Lorie. Siya po ang full time at hands on na nag-aalaga kay Daniel. Siya talaga ang nag-aaruga dahil nga siyempre may work din ako. Malaking pasasalamat ko talaga sa kanya at lumalaki na si Daniel na healthy and wise.

Merry Christmas and Happy New Year!

Month

13 December

13 December

6 December

The Blue Zone Society

Agoo Migrant Workers Association

Silent Movers

Search for Runaway Model 2015

Anniversary Event

Product Presentation

Sai Ying Pun Community Complex

Bayanihan Auditorium

Bayanihan Auditorium

Organizer Event Venue

20 December

25 December

The SUN Newspaper

Bayanihan Kennedy Town

20th AnniversaryCelebration

Christmas Party

Chater Garden

Bayanihan Auditorium

03 January

Rambo Hong Kong InterntionalUnited for Success

Rambo International Ramp Modelling 2016

Best Western Hotel

14 FebruaryNoble Life International Hong Kong

Dance to the Beat of LOVE and LIFE with Noble Life: A Valentine Dance Showdown

Southorn Stadium

Disclaimer: Smart ang Pinoy will not be held responsible for any changes in the schedule made by the association.

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Aries (Mar21 - Apr 19)There are lots of ways to express yourself, and you’re definitely the touchy-feely type. You love to give strangers hugs or do the European kiss-on-both-cheeks thing, but remember that not everyone likes to have their private space invaded. Things turn really mysterious and it might be fun to play detective. The picture might be totally different than you expect, though, once you put together all of the pieces. Your job or favorite hobby takes up loads of your time but, wow, when the job is done you can step back and really marvel at all that you were able to accomplish.

Taurus (Apr 20 - May 20)You don’t like to wander too far outside of your comfort zone, and that might mean literally staying close to home. Order in your favorite food and have a picnic in the living room, or invite your neighbors over for a fiesta. This staycation thing is pretty fun! The people you see every day seem different to you somehow, and this is the perfect time for the phrase ‘it’s not you, it’s me.’ Your friends can be a tremendous help to you, so lean on them when you don’t feel strong. Their reward is your undying loyalty.

Gemini (May 21 - June 21)Get used to saying ‘it was only a joke,’ because other people take you a lot more seriously than you take yourself! You get the study bug, and even if you’re not a student you want to learn all there is to know about the world around you. Buy a book about your favorite topic, take an online course or fly to a new country and immerse yourself in its culture. You have an entrepreneurial spirit, so you could be quite successful starting your own business. Start small but shoot for the stars. You’re extremely versatile, almost like a human chameleon.

Cancer (Jun 22 - July 22)You love being home. Cuddling under the covers, watching your favorite TV show, making a gourmet dinner. Who needs to go out when you have all of these creature comforts at your fingertips? You’re more likely to wander away from home and while getting lost is usually your biggest fear, you throw caution to the wind and follow your whims midmonth. Money matters are front and center, and a family member is probably standing by just waiting to give his or her input. If you don’t want to disclose the actual numbers to someone close to you, hire a professional to help sort it all out.

Leo (July 23 - Aug 22)It’s possible for you to attempt something that no one else has ever done before. Zero in on the task with laser-like focus, or close your eyes and take a leap -- whatever works best for you! Either way, people will be amazed at what you’re able to accomplish. You’re very wary of schemes and plotters because if you’ve ever gotten duped before you’re bound and determined not to let it happen again. If you get a vibe that something isn’t quite right, check it out because your intuition is rarely wrong right now. Virgo (Aug 23 - Sep 22)Put in your order with the Universe, and then be prepared for good things to come your way. The more pages you dog-ear in the cosmic catalog of wants and needs, the more you’ll have coming to you. There are tiny little details to take care of but you’re a master of minutia. Who better to sift through all of that hay looking for the one tiny needle? You’ve got this. You delve deep into unexplained phenomena and you don’t want to stop until you have an answer. Some things really can’t be explained but if you’ve done a completely thorough investigation and exhausted all avenues to the truth, you’ll be able to sleep at night.

Libra (Sep 23 - Oct 22)You’re the king or queen of procrastination but you can’t see what everyone else is worried about. You’ll get it done eventually, right? There’s a lot going on in your head so take a lot of mental breaks. Doing something ‘mindless’ only works if you can truly turn your mind off and do ‘nothing’ for a while. You have an elevated sense of self so you view yourself as a VIP. And you can’t for the life of you figure out why everyone else doesn’t open the door for you, bow when you enter the room, etc. Being addressed as His or Her Majesty would be perfectly acceptable as well.

Scorpio (Oct 23 - Nov 21)The perfect days to get the most out of life. You don’t typically play the role of cheerleader, but you can’t help but shout “rah rah rah” at the top of your lungs every time you or someone you love accomplishes something. Your magnetic personality is intensified so people are naturally drawn to you. You’re a sounding board for everyone else’s problems but don’t let them get to you; making their problems your own defeats the purpose. Sprucing up your surroundings is an excellent idea and getting involved with major overhauls can be very therapeutic.

Sagittarius (Nov 22 - Dec 21)A friend or lover who asks “what are you thinking” will get an answer he or she wasn’t prepared for! You have all kinds of crazy thoughts running through your mind, but because you probably won’t act on any of them, you should keep the details hush-hush. The 8th, 9th, and 10th are low-pressure days, and keeping it casual is what it’s all about. Even if you’re invited to a formal event, showing up is way more important than what you have on. You believe in yourself 100 percent and why shouldn’t you? You’re brimming with self-confidence, which propels you on to even greater heights.

Capricorn (Dec 22 - Jan 19)It doesn’t happen very often but you have a tendency to be a bit on the melodramatic side. What’s propelling you to turn your own or someone else’ life into a spectacle? It could be coming from a sense of insecurity, or maybe you’re just bored. If that’s the case, you need a new hobby! You have excellent organizational skills which makes you a master planner. You have an uncanny ability to step outside of the picture to get a very objective view of what’s going on in your life, and you can use that information to make incredible, positive changes.

Source: www.astrology.com

SMART Horoscope

BAYANIHAN ANNOUNCEMENTS

Entrepreneurial Skills Training Courses

Culinary Arts Courses

Sewing and Design Courses

Hair and Beauty Culture Courses

Information Technology CoursesIT1 : Computer Fundamentals

International CuisineIncludes the following courses:

Baking 1 ( Cake, Cookies, Pastries)Baking 2 (Buttering and Doughing - Up the Cakes)

SD 1: Intro to Fashion and Design SD 2: Collared and Sleeved Clothes SD 3: Skirts and SlacksSD 4: Lady Suits

HB1 : Basic Cuts and PermHB2 : Advanced HaircuttingHB3 : Hair Design and Beauty Make-OverHB4 : Hair and Scalp Treatment

Using Mouse and Keyboard (Basic Typing)Basic Computing (The Operating System)Understanding the Internet

Manicure/PedicureBeads Making Ribbon FoldingHealth and Self-Improvement Courses

Martial Arts - SundayMartial Arts Ballroom Dancing Food Tech 1: Meat Processing

Food Tech 2: Bottling and Canning

Japanese CuisineThai CuisineKorean CuisineChinese Cuisine

Western CuisineIndonesian Indian Cuisine

For inquiries, call Bayanihan Center at 2817-8928.

Aquarius (Jan 20 - Feb 18)When something astonishing -- in either a good or bad way -- takes place, all you can do is stare and scratch your head in disbelief. Yes, that really happened. And no, there’s not a whole lot you can do about it! You’re super-organized once you’ve capitalized on unique methodical ways to make your own life tidier, offer your skills to other people who might need them. Is there a business idea in here somewhere?! You love to experience new and diverse cultures so much so that you might decide to travel/move to another country or at the very least start some new routines and traditions at home.

Pisces (Feb 19 - Mar 20)Love is at the top of your to-do list and you’re very good at what you do. You go all out -- flowers, soft music, candles; you really know how to set the stage for romance, so it shouldn’t be difficult to seduce whoever you have in your sites. You’re due for a raise or an upgrade of sorts but you may have to prove your case in order to make it happen. Be sure to remind your landlord that you pay your rent on time every month, or point out to your boss how many times you’ve stayed late or come in early without additional compensation.

SD 5: Bridal Gown Sewing and Full DressesSD 6: Tailoring Mens’ Wear (Shirt / Trousers)

SMART Pinoy BUDGET LOAD

PASALOADSa SMART Pinoy, pwede nang mag pasa ng load sa iyong kaibigan

o kamag-anak sa patingi-tinging halaga.

I-text ang SMART Pinoy Mobile number na papasahan <space>Amount and send to 1528808

EX. 90990990 5 send to 1528808

Available in $2, $5 & $7

*$0.12 sending fee will be charged per Pasaload transaction. Consume load within 24 hours

SMART Pinoy Recharge Vouchers are available in $20, $50 and $100 denominations

Two ways to Top up the RV: Dial 152831 + <16-digit PIN> and press CALL orDial *143* + <16-digit PIN> + # and press CALL

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