Showing posts with label personal blog. Show all posts
Showing posts with label personal blog. Show all posts

Tuesday, May 1, 2018

My Experience As A Financial Advisor

Beginning of a new Journey

When a friend of mine suggested I apply for a  job posting as a financial advisor, I was hesitant and thought I can never survive the training away from home. 

I tried anyway..
Team Innovation
 The rigorous training, tests and seminars were not easy. I had to take two licensure exams for traditional insurance and for VUL, a requirement by the Insurance Commission of the Philippines to make sure we really know and fully understand what we are getting into. 

Training bestie - Ryan Gerasta
Unexpected Friendships. 

My month-long stay in Makati City was eventful and fun, thanks to my co-trainees who helped in making it possible. They represent the different provinces of our vast country. Our favourite activities were story-telling, learning their dialects, sharing jokes, and food hopping. But more than that, we learned to cooperate and unite despite our differences especially during our test reviews, presentations and team assignments. 

My Branch of Assignment
What now?

Now I have an 8-5 job and helping families achieve their long term financial goals through Variable Universal Life. It's a 3-in-1 product: Life insurance + Health insurance + Investment. As a licensed financial advisor, we help our clients determine which product design would suit them well through what we call needs-based selling. We are required to explain every important detail and make sure our clients have a thorough understanding, especially on the terms and conditions of their policy, before we process their applications and payments for approval. After-sales are pain in the neck though, one that they've never mentioned during our training. Our job can be super toxic, we eat rejection in the morning as a matter of fact. But as they say, anything worth it is never easy anyway. This job would help me pay bills and for now, that is enough for me to survive.

x

Monday, January 1, 2018

WELCOME YEAR 2018!!

New year, new me?

Nope, still the same.

m o o d
We've all been there before right? Making New Year's resolutions and forgetting them before we knew it. SO, instead of posting about what's and what not's, I'm writing about my expectations this year. 

For starter, I expect everyone to be watching vlogs on Youtube rather than reading blogs on the different blogging platforms available online. I expect that more people are going to travel this year after a surge in the number of travel vloggers and travel agencies out there. I expect to see more makeup gurus online and more makeup brands reaching out to every market segment. I expect a crowd at the gym after the holiday food binge, and I expect that I will be one of them. 

s w i n g
How about you? What are your expectations this year? Comment below! Photos by JD Tomagan
x


Monday, August 29, 2016

Life Hack: How To Adult



How to be adult bes???
Kids look at us like we’re tanders (old people) who knows exactly what we’re doing in life. But do we really?? I’m twenty-something and still find crossing the street a struggle, what more dealing with other things? Gone are the days when we have free meals at home - three times a day. No more milk and cereals, and desserts from grandma. As much as we wanted to stay fit and healthy, vegetables like kale, lettuce, asparagus and even a piece of lemon would already cost us a fortune. Enrolling to a female-friendly gym is an actual luxury too! So where to start?

Here are some life hacks that you can actually use to survive this challenging adulthood transition. Soon, we’ll be out of our cocoons and become a beautiful butterfly. Char!

Disclaimer: These life hacks worked for me, these are based from true experiences and I learned them the hard way. I know we have different situations in life and some may not work for you but I’ll try to keep the list as generalized as possible.

#1 Keep your standards high but also be realistic.
We all dream of staying at a cozy apartment in the city.. okay, a posh one. But if you can’t afford it now, don’t be super disappointed about it. Think of this, you only need a clean and safe place to go home to after a tiring day. Besides, you’ll only be able to stay in your apartment during the weekends. So the practical thing to do is to look for a cheaper apartment, find a roommate whom you trust and split the payment for the rent. Now if you’re really short of budget, get a bed space or stay with your relatives near the area. I know it can get super awkward and uncomfortable, but hello? As long as you are safe, there shouldn’t be a problem. Tiis tiis lang te, someday you’ll have your own place!

#2 Get a job, a regular-paying one that is! 
You are not your parents’ little prince or princess anymore, they send you out in the real world to work and learn the meaning of true sacrifice. This is your training before you take over as king or queen of your kingdom, so you have to deserve it. You must bring with you courage, perseverance, determination and a good heart. But seriously if you’re employed, a part of your SSS, Phil health and PAGIBIG benefits will be shouldered by your company. You’ll also be able to pay your taxes, your monthly phone bill, apartment rent, electricity, fare and food. This is it, you’re starting to become independent!

#3 Make extra cash by side hustling. 
I am proud to be a raketera! Why? Because having a sideline that actually pays me extra money outside of my regular job keeps me from having an empty pocket. But more than that, for me it is a fulfilment to know that I’m making use of my extra talents and extra time doing something that is worth it. When there’s a mini art fair in the city, I participate by selling my paintings and original postcards. I did modelling for local fashion boutique shops back in college, I was even vocalist of a local acoustic band before, and now I still do article writing as a side hustle. You see, this may or may not help me become rich but it’s a start. Don’t we all want to be financially safe in the future? Plus, I get to meet a lot of people and become friends with them and ask them to like my page and read my blog. Hahaha! Charot!

#4 Be humble now that you’re financially safe for a while. 
Lower your pride especially when you’re doing your part-time job. Don’t get easily offended when people tend to look down on you just because they don’t realize yet what a hard-working person you truly are. You do not have to compete with anyone anyway. Keep in mind that you want to survive, and surviving doesn’t mean you have to be above anyone else. Suppress materialism as much as you can, this is very common nowadays especially in a world full of Yeezys and Kylies. I’m not saying I’m guilt-free here, of course I want a Kylie lip kit! But since it’s not practical for me to buy one at the moment, I opted a cheaper alternative through The Glam Zone PH. And for the record, I really need a lipstick to look more presentable at work so it’s 99% under NEEDS category. LOL!

#5 Needs over wants
This is a golden rule for y’all adults. We have to learn to prioritize especially when buying things. Ever walked down the grocery aisle and compulsively grab everything that excites your eyes?? Well, abort mission! You don’t need those fancy packaging, get the local ground pepper instead of that McCormick! *rolls eyes* 

#6 Save. 
Now that you opted to be more practical, what you should do to your extra money is to put it in a bank. As adults, we should try to have an emergency budget all the time. I used to be a fool myself. So now I always keep in mind the saying:“Even if you can (buy stuff), doesn’t mean you should.”

#7 Don’t have utang.
This is also why we should have emergency money all the time. It’s so stressful carrying the thought all the time that you have borrowed money from someone. Miss Universe 1969, Ms. Gloria Diaz, even said in an interview with Phil Star back in 2012 that her number one beauty secret is to not have utang. So if you have one right now, save and pay for it na. Go, raket pa more!

#8 Learn to cook your own food
Some of us were super sheltered when we were young that our parents wouldn’t let us cook so we won’t get hurt. Some parents won’t let us do heavy chores so we could concentrate on our studies. We can’t blame them, you know. Our parents love us so much! But since we’re adult na and we’ll all become parents soon, we have to learn to cook our own food. Watch YouTube tutorials or ask your parents and friends how, just the simple ones. Cook from home and bring lunch at work, leftovers are okay as long as they’re still safe to eat. Back in February when I was my poorest, I had eggs and rice for lunch and dinner most of the time. My favorite side dish was diced tomato and onion drizzled with powdered pepper and salt. I'm still lucky because I still can say I enjoyed my food, and eggs are still healthier than packed noodles and canned goods. Bear in mind, you're on your own. No more yaya's to cook and wash your clothes, this you must accept and absorb as time goes by. Lol

#9 Walk more
So going back to being healthy, the cheapest and easiest work out is walking - plus it's also supposed to clear our heads from negative thoughts and calm us down. I always walk to the bus terminal every day after work, saves me ten-peso fare and it’s good for my legs. If I feel extra motivated, I do squats at home. Why? Because a part of being an adult is staying healthy! At early twenties our energy’s supposed to be at its peak, so be good to your body.

#10 Give back to the poor
now that you know their struggles. 
When you adult, you become more aware of everything. We should all focus on what we can do to help, we can always be a blessing to someone if we choose to. Give back to your parents and relatives, help your friends undergoing the same situation. Don’t worry about your detractors, just kill ‘em with kindness!

#11 Don't forget to say sorry and thank you.
We all make mistakes, that is a big part of growing up. So before I end this post, I would like to say sorry to the people I hurt in the past. And thank you to my friends who were there during my struggles and are still continuously helping me to grow and guiding me to become a better version of myself. Thank you for the free meals, the job recommendations, gigs, free coffee, for being my company. Mga tunay na bes: Ate Mica, Ate Maire, (mare) Charmaine Ronario, (fren) Daryl Angeles, Sir Simon Vistro, Sir Mike Fernandez, boss Josh Uy, (luvz) Cristina Alejo, (pare) Budo.. and many more!! Special shout out to my Mama, Pops, Louise! 
And to my inspiration - Johnny Depp. Hahaha! THANK YOU!


And to you my readers: 
Bes, don’t give up. You’re not alone! Fight! You'll get there.
x

Sunday, May 3, 2015

ColorManila Dagupan 2015

I woke up at 5AM and arrived at the CSI The City Mall grounds just in time for the 10k runners to start and for me to find my friends. After a few Hi's and Hello's from everyone, I found myself third wheelin' with Ezer and Shayne. Main goal here is to cover the event for my blog, run and have fun, and so I did! Okay, I walked. Brisk walking, it's totally the same thing guys! Haha, kidding. But, I was happy to see that a lot of people participated. Students, barkadas, serious runners, foreigners and balik-bayans alike. Along the way into our five-kilometer run, we were greeted and cheered on by the members of the University of Luzon Drum & Bugle Corps. How nice of them! Incoming runners were welcomed with 'color throws' in every 2 km reached, and if I remember it correctly, the first color throw was green, followed by blue, then yellow, pink and purple. Paramedics and police officers were also there circling the grounds, always ready for anything. Good job guys!

 Each of us were given a color packet after the run, we're supposed to throw it out in the air all at the same time. One must choose whether to film it or jump in with the rest of the crowd. I chose the latter and was engulfed in colors! It's like a massive rainbow unicorn fart except that it actually didn't smell, and the foldable shades that came with the race kit didn't defeat its purpose. Color Manila assured that the color powder used are all certified non-toxic and free of any heavy metals. It's also easy to remove, just follow the step by step instructions shown at the end of the program, or you can watch the animated infographic about it on Color Manila's Facebook Page. 

Of course, the best part is when the DJ brought the house down with awesome dance music and pretty sick mix. I tell ya, everybody's still pumped up for the after party. The people, the music, the energy.. Man, we were killin' it back there. It's evident to everyone's faces how colorful the event had been. Ye, seriously. Both literally and figuratively speaking. Haha! 

I am so looking forward to joining more color runs in the future, maybe in India or in Germany where it all began! This has surely been one of the main highlights of my summer!
Photos by Kristian Fajardo Enriquez
Not sure if patronus charm or a pair of angel wings from Victoria's secret haha! #colorthrow

With Jeto Seen
With #TeamWhatsUp | Photo by Jec Mabasa
Photo by Simon Vistro of What's Up Dagupan
Special thanks to my Ate Mica of Senyorita.net and Jeto of CSI Malls for the invite. You can find more photos and videos in What's Up Dagupan's Facebook Page.
xx