Songs You Should Check Out

I just listed these songs before and instead of deleting them, I decided to share them with you here. Feel free to search them in YouTube and enjoy!

• Lisa Loeb - Stay
• Bic Runga - Sway
• Barry Manilow - Tryin' to Get the Feeling Again
• Take That - Back for Good
• The Bangles - Eternal Flame
• Brandy - Have You Ever
• Michael Bolton - How Am I Supposed to Live Without You
• Roxette - It Must Have Been Love
• Jesse McCartney - Just So You Know
• Avril Lavigne - Keep Holding On
• Roxette - Listen to Your Heart
• Aliya Parcs - Stop Think
• Carpenters - There's a Kind of Hush
• Michael Bolton - To Love Somebody
• After Image - Next in Line
• Angel Baby - Troye Sivan

Philippine Dividend Stocks to Invest In (October 2024)

* DMCI Holdings, Inc. (DMC) -> incorporated on March 8, 1995 as a holding company to consolidate all construction business, construction component companies, and related interests of the Consunji family.

In only a few years after incorporation, the Company expanded its business organization to include five major subsidiaries, namely: D.M. Consunji, Inc.; DMCI Project Developers, Inc.; Semirara Mining and Power Corporation; DMCI Power Corporation; and DMCI Mining Corporation. DMC and its subsidiaries are engaged in construction, real estate, coal and nickel mining, power generation, water distribution.

The Company has an indirect ownership in Maynilad Water Services, Inc. through a 27% stake in Maynilad Water Holding Company, Inc., which owns 93% of the water concessionaire.

• Div. Yield: 12.0% or 13.3%
• Div. Payment: Semi-annual
• Price: 11.20
• Board Lot: 100 (min. # of shares to buy)

* LT Group, Inc. (LTG) ->  expanded and diversified its investments to include the beverages; tobacco; property development; and banking businesses. The Company's subsidiaries and associates are Tanduay Distillers, Inc.; Asia Brewery, Incorporated; Fortune Tobacco Corporation; Philippine National Bank; Saturn Holdings, Inc.; Paramount Landequities, Inc.; and Eton Properties Philippines, Inc.

• Div. Yield: 11.12% or 12.3%
• Div. Payment: Quarterly
• Price: 10.36
• Board Lot: 100 (min. # of shares to buy)

* RFM Corporation (RFM) -> [Selecta] operates two business segments namely, institutional segment, which primarily manufactures and sells flour, bakery and other bakery products to institutional customers; and consumer segment, which manufactures and sells ice cream, milk and juices, pasta products and flour- and rice-based mixes. The Company is known for the following brands: 'White King All-Purpose Flour'; 'Fiesta Spaghetti'; 'Selecta Moo'; 'Sunkist Orange Pulp'; 'Vitwater'; 'Selecta Magnum'; 'Selecta Cornetto'; 'Selecta Paddle Pop'; and 'Royal Spaghetti'.

The Company has the following subsidiaries and affiliates in its food and non-food businesses: Unilever RFM Ice Cream, Inc.; RFM Foods Philippines Corporation; Southstar Bottled Water Company, Inc.; Engrain-RFM Pacific, Inc.; FWBC Holdings, Inc.; RFM Equities, Inc.; Rizal Lighterage Corporation; WS Holdings, Inc.; and Selecta Wall’s Land Corporation.

• Div. Yield: 6.2% or 7.5%
• Div. Payment: 2-3x a year
• Price: 3.98
• Board Lot: 1,000 (min. # of shares to buy)

* Shang Properties, Inc. (SHNG) -> [Shangri-La] first incorporated on October 21, 1987 under the name Shangri-La Properties, Inc. (SLPI) to acquire, own, develop, subdivide, sell, mortgage, exchange, lease or hold for investment, real estate of all kinds. The Company changed its corporate name from SLPI to Edsa Properties Holdings, Inc. to the present one. The Company was listed on the Philippine Stock Exchange in 1991.

The Company's core businesses are office and retail leasing and residential development. SHNG owns and operates Shangri-La Plaza mall and also holds a 70% share in KSA Realty Corporation, which in turn, owns The Enterprise Center. SHNG also currently holds a 60% stake in Shangri-La at the Fort.

SHNG entered the residential condominium market in 2002 and has since expanded its residential portfolio with high rise condominium projects in prime locations with a combined total of almost 7,000 units. Completed projects include The Shang Grand Tower, The St. Francis Shangri-La Place, One Shangri-La Place, Shang Salcedo Place, and Horizon Homes.

The Company and its subsidiaries are engaged in property investment and development, real estate management, leasing, mall and carpark operations. SHNG's significant and active subsidiaries include Shangri-La Plaza Corporation; SPI Parking Services, Inc.; Shang Properties Realty Corporation; Shang Global City Holdings, Inc.; Shang Fort Bonifacio Holdings, Inc.; Shang Property Management Services Inc.; Shang Property Developers, Inc.; and Shang Wack Wack Properties, Inc.

• Div. Yield: 7.66% or 7.9%
• Div. Payment: Semi-annual
• Price: 3.97
• Board Lot: 1,000 (min. # of shares to buy)

* Metropolitan Bank & Trust Company (MBT) -> [Metrobank]

• Div. Yield: 6.30%
• Div. Payment: Semi-annual
• Price: 78.00
• Board Lot: 10 (min. # of shares to buy)

* AboitizPower (AP) -> more on power generation

• Div. Yield: 6.05%
• Div. Payment: Annual
• Price: 38.20
• Board Lot: 100 (min. # of shares to buy)

* Cebu Landmasters, Inc. (CLI) -> a leading developer in Visayas and Mindanao, specializing in residential, office, hotel, resort, co-living, mixed-use, and township projects.

• Div. Yield: 5.51%
• Div. Payment: Annual
• Price: 2.84
• Board Lot: 1,000 (min. # of shares to buy)

* San Miguel Food and Beverage, Inc. (FB) -> now operating in three business segments: beer and non-alcoholic beverages, spirits, and food. Among the brands in its portfolio include ""Magnolia"" for chicken, ice cream and dairy products; ""Monterey"" for fresh and marinated meats; ""Purefoods"" for refrigerated processed meats and canned meats; ""Star"" and ""Dari Crème"" for margarine; ""San Mig Coffee"" for coffee; ""La Pacita"" for biscuit and flour-based snacks; ""B-Meg"" for animal feeds; and ""San Miguel Pale Pilsen"" and ""Ginebra San Miguel"" for alcoholic beverages.

Aside from SMB and GSMI, FB's subsidiaries include San Miguel Foods, Inc.; San Miguel Mills, Inc.; The Purefoods-Hormel Company, Inc.; Magnolia, Inc.; PT San Miguel Foods Indonesia; San Miguel Foods International, Limited; and San Miguel Super Coffeemix Co., Inc.

• Div. Yield: 5.2%
• Div. Payment: Quarterly
• Price: 52.40
• Board Lot: 10 (min. # of shares to buy)

* Asian Terminals Incorporated (ATI) -> port operator, developer and investor. We operate the Manila South Harbor, the Port of Batangas, Batangas Container Terminal and off-dock yards in Sta. Mesa, Manila and Calamba, Laguna.

• Div. Yield: 5.16%
• Div. Payment: Annual
• Price: 18.54
• Board Lot: 100 (min. # of shares to buy)

* Robinsons Retail Holdings, Inc. (RRHI) -> core retail operations has six business segments, namely, supermarkets; department stores; DIY stores; convenience stores; drug stores; and specialty stores. RRHI operates its supermarkets, department stores, consumer electronics and appliances stores, big box hardware stores, and community malls under the 'Robinsons' brand name. Some of the brand names under RRHI include international brands 'Handyman Do it Best'; 'True Value'; 'Toys 'R' Us'; 'Uncle John's'; 'Daiso Japan'; 'Pet Lovers Centre'; 'No Brand' and domestic brands 'Savers Appliances'; 'South Star Drug'; 'The Generics Pharmacy' and 'Super50'.

RRHI has four wholly-owned subsidiaries and 17 partially-owned subsidiaries which include Robinson's Supermarket Corporation; Robinson's Handyman, Inc.; Robinsons Appliances Corp.; and Robinsons Ventures Corporation, among others.

• Div. Yield: 4.85%
• Div. Payment: Annual
• Price: 38.40
• Board Lot: 100 (min. # of shares to buy)

* Ginebra San Miguel, Inc. (GSMI) -> GSMI's flagship product is “Ginebra San Miguel”. Its other products include “G.S.M. Blue”, “Primera Light Brandy”, “Antonov Vodka”, “Vino Kulafu”, “Don Enrique”, “Anejo Gold Rum”, and “San Miguel Ethyl Alcohol”.

Among GSMI's operating domestic subsidiaries are Distileria Bago, Inc.; East Pacific Star Bottlers Phils Inc.; and Agricrops Industries, Inc.

• Div. Yield: 4.80%
• Div. Payment: Quarterly
• Price: 249.80
• Board Lot: 10 (min. # of shares to buy)

* Manila Electric Co. (MER) -> [Meralco] more on power distribution

• Div. Yield: 4.64%
• Div. Payment: Semi-annual
• Price: 500
• Board Lot: 10 (min. # of shares to buy)

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Disclaimer:

I am not suggesting to invest your money in the above Dividend Stocks. Please do your due diligence and research first if those investments would work for you. I just listed them here as I am planning to invest some of my money there.

Philippine REITS to Invest In (October 2024)

* VistaREIT, Inc. (VREIT) -> [Villar; All Home, etc.] property portfolio consists of 10 community malls and two office buildings. The community malls are located in Las Piñas City as well as in the provinces of Cavite, Rizal, Bulacan, Pampanga, and Cebu, while the office buildings are located in Taguig City and Bacoor City, Cavite. All of the properties are owned by VREIT and are located on land leased from its affiliates.

• Div. Yield: 10.25%
• Div. Payment: Quarterly
• Price: 1.76
• Board Lot: 1,000 (min. # of shares to buy)

* Filinvest REIT Corp. (FILRT) -> portfolio currently consists of 17 office buildings, of which 16 are in Muntinlupa City, Metro Manila and one is in Cebu City. The land on which the 16 office buildings are located is leased by the Company from the sponsor, while the land on which Cebu Tower 1 is situated is owned by the Cebu Provincial Government and is operated by the Company under a build-transfer-operate arrangement. FILRT also owns a lot in Boracay, Aklan and is leased to Boracay Seascapes, Inc.

• Div. Yield: 8.21%
• Div. Payment: Quarterly
• Price: 3.09
• Board Lot: 1,000 (min. # of shares to buy)

* MREIT, Inc. (MREIT) -> [Megaworld] property portfolio currently consists of 18 mixed-use buildings located in Taguig City, Quezon City, and Iloilo City leased out to various entities as office, retail, and hotel. All of the properties are owned by the Company and stand on land leased from the sponsor for an aggregate period of 50 years.

• Div. Yield: 7.17%
• Div. Payment: Quarterly
• Price: 13.70
• Board Lot: 100 (min. # of shares to buy)

* Citicore Energy REIT Corp. (CREIT) -> [power generation] the first renewable energy REIT and the largest renewable energy landlord in the Philippines. A leading pure renewable energy developer and operator of solar, run-of-river hydro, and off-shore wind energy platforms in the country.

• Div. Yield: 6.59%
• Div. Payment: Quarterly
• Price: 3.06
• Board Lot: 1,000 (min. # of shares to buy)

* RL Commercial REIT, Inc. (RCR) -> [Robinsons] initial portfolio of 16 assets is comprised of these assigned properties as well as Robinsons Cybergate Center 2 and Robinsons Cybergate Center 3 in Mandaluyong City. The land on which 11 of the assigned properties are situated is leased by the Company from the sponsor, while Cyber Sigma is subject to a lease agreement with the Bases Conversion Development Authority.

• Div. Yield: 6.5%
• Div. Payment: Quarterly
• Price: 5.92
• Board Lot: 100 (min. # of shares to buy)

* AREIT Inc. (AREIT) -> Ayala Real Estate Investment Trust

• Div. Yield: 5.88%
• Div. Payment: Quarterly
• Price: 39.35
• Board Lot: 100 (min. # of shares to buy)

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Disclaimer:

I am not suggesting to invest your money in the above REITS. Please do your due diligence and research first if those investments would work for you. I just listed them here as I am planning to invest some of my money there.

SSS Voluntary Contributions

Pag pala lagpas na sa due date yung PRN na nagenerate mo ay di ka na pwedeng humabol at magbayad pa.

Sayang at nakalimutan ko na may kailangan pala akong bayaran sa mga buwan na August at September na due date na nito lang October 31, 2024.

Gusto ko pa sanang ihabol at bayaran kaya lang mukang alanganin na matapos ang marami kong pagsasaliksik (nagbrowse sa Google, nanood ng mga videos sa YouTube, nag-email sa customer support nila subalit parang templated na ang reply at hindi sinagot ang concern ko).

Hindi pala posible. Kesa masayang lang at magkaproblema pa kung itutuloy at ipipilit ko eh sisiguraduhin ko na lang na sa mga susunod na pagbabayad eh advance at on time na.

Masasabi ko na lang na lesson learned at move on na.

Ikaw kung freelancer ka o self-employed, wag kalimutan ang mga obligasyon sa pagbabayad.

Collector's Item: Philippine Peso Coin

Nakakamangha na may mga tao na handang bumili ng mga coins base sa year kung kelan iyon ginawa.

Recently kasi ay may nakita ako sa Facebook newsfeed ko na mga videos tungkol dito. Sinearch ko rin sa Youtube at may mga taong naghahanap nga. Syempre, ang first rule ay tinignan ko muna kung legit ba or scam. Mukha namang legit subalit once in a blue moon ka lang yata makakakita nun. Swerte mo kung meron ka ng mga barya na hinahanap nila.

Ginawa ko rin ito actually at tinignan lahat ng mga naipon kong barya pero wala ni isa man sa mga iyon ang barya na hinahanap nila. Sadyang napakadalang talaga ng mga ganoong coins. May disclaimer naman sila at sinasabi na kakaunti lang ang nailabas at nagawang mga coins sa panahon at taong iyon.

Kaya good luck na lang sa iyo lods kung trip mo rin gawin ito.

Enjoy!

Maya Is Very Generous

Thanks Maya (or Paymaya as its former name; a digital bank here in the Philippines) for the frequent giving of 10 peso voucher!

I always transfer that money by depositing from my Maya Wallet to my Maya Savings Account. It's a free money that can actually earn an interest.

Good job Maya!

Note:

Maya has a referral system and if you want to be part of it, feel free to create an account and sign up using your smartphone. Here's my referral message for you:

"Get banked with Maya using my invite code, upgrade your account and complete your first transaction at least ₱50. Enjoy FREE Instapay Cash-in and transfer PLUS up to 15% interest p.a. Learn more at https://maya.ph/switchtomaya

My invite code is PJ6KQQOJE6KY

or click here to create an account now: https://www.maya.ph/app/registration?invite=PJ6KQQOJE6KY"

Blog Post Query 1

Android Confirmation Options:

Why Cancel option is always on the left of the Ok option? It looks weird to me as I used to seeing cancel on the right side of the Ok when I was in college. Is there a particular reason why this is the norm?

I think I should ask ChatGPT, Gemini or Copilot why is that so. If you have an idea or know the answer, feel free to leave your comment below. Thanks!

Paano Pa Nga Ba Ako Kikita Ng Pera?

I have a full-time job and despite the COVID-19, the company I work for allows the work from home setup. But how am I going to earn more?

I guess I should start promoting my eBooks or getting more side hustles that are related to computer programming. I am also thinking of the passive income vehicles I have like buying more shares in the Stock market. I can buy big companies and accumulate more shares since the stock prices are more affordable and much cheaper.

Anyway, money is just a medium we use for buying and getting things we need and want. Without it, I don't know how we are going to live and how long we will last. But I am not saying that this is the most important thing in the world. The way you live in this world right at this moment and how you relate and give significance to others are what matters. God is with us if we do good deeds to our brothers and sisters. I'm sure you will be surprised and shocking about how time really flies quickly without even realizing it.

Time to move on and do what you want without stepping on others. Your age is just a number so don't make a big deal out of it at all. Don't let others (according to them) pressure you on things that you should do and must have. Your priorities are not theirs and theirs are not yours. Just mind your own business because in the end, what matters is your own happiness.

That's it.

Posted way back Pandemic times (2020-2022)

Expenses that Drain Your Wallet

 

• Bank charges or fees (online transfer or withdrawing at a different ATM than your bank's ATM).

• If your smartphone still works, don't replace and buy a new one. Maximize its potential and use it until it is no longer working.

• As much as possible, avoid buying goods at convenience stores. The prices there are more expensive than buying them in supermarkets.

• Credit card interests (when the balance has not been paid in full) or when your credit card has an annual membership fee. Please opt for or switch to no annual membership fee for life.

• Avoid eating too many sugary foods, drinks, and products. Aside from we spend more, it will definitely not be good for our health.

• When eating out, use apps like Eatigo and book for a breakfast, lunch, or dinner visit in the app to save money.

• When going out and the place is just nearby, walk to get there, and don't spend money on riding a tricycle. Aside from the fact that you can save money, it is good for our health too.

• When wandering around a mall, make sure that you eat at home beforehand, as there is a tendency that when you're hungry, you will eat out and order a lot of food. Also, if you eat out, just order enough food that you can only consume. It can save you from spending more, and your future self will thank you for it.

• Always compare the prices of similar products. Don't just go for cheaper ones, as sometimes the quality of them is not good. Just choose what's in the middle, as long as you believe that the brand you will buy has a good reputation.

• Plan before shopping. Always make a plan for what to buy beforehand. Chances are, if you don't, you'll buy more, and there's a chance of spoiling what you bought, which will go to waste. Plus, having a plan will hinder us from impulse buying (a great sign of being a wise spender).