Thursday, July 24, 2014

WEALTH BUILDER

 Wealth Builder 

 


Building wealth, securing futures

Wealth Builder is an investment linked insurance plan that allows you to access sound financial opportunities by participating in the performance of government or corporate issued bonds or the stocks of the country’s top corporations. Through this participation, you enjoy the services of investment experts otherwise accessible only to the privileged few. By investing in Insular Life Wealth Builder, you and your family are also protected from the risk of economic loss, a benefit only insurance investment vehicles can provide.
Consider the advantages of Wealth Builder:

  • One-time commitment

    Wealth Builder is an investment instrument suited for your windfall or any accumulated savings that you don’t intend to use in the short-term. As a one-time paying product, the pressure to save funds for the next payment does not exist.
  • Maximized Yields

    Your funds are invested in a diversified portfolio of stocks, bonds, prime corporate notes and short-term money market instruments, allowing you to ride the current performance of these vehicles in the financial environment. As your investment is pooled with the funds of other clients, you have the privilege of large institutional investors such as lower transaction costs, access to desirable investment opportunities, preferred rates and the services of a full time fund manager.
  • Freedom to increase investment

    Your succeeding windfalls or accumulated savings can enjoy the product’s performance through infusing these additional funds into your Wealth Builder investment at any time you wish. Referred to as top-ups, your funds just have to reach at least P20,000 so it can be accepted into your existing policy.
  • Supplemental insurance protection

    Wealth Builder provides an initial insurance protection equal to 125% of the single premium to supplement your family’s funds upon the insured’s sudden demise.
These investment funds are specific to variable life insurance contracts and are not considered mutual funds. Life insurance products are regulated by the Insurance Commission.

If you wish to discuss how to attain financial freedom, feel free to contact me:

KRISTINE MAGDALUYO
Financial Advisor, Insular Life
09175822327
kaye_magdaluyo@hotmail.com
krmagdaluyo@corlife.com.ph

WEALTH ASSURE

 

Wealth Assure 

Wealth Assure is a peso denominated investment-linked product where regular premium payments are required to enjoy the benefits of lifetime protection and competitive investment yields.
  • More Financial Protection

    Wealth Assure’s low initial charges allow for a bigger portion of your insurance premiums to be placed in an investment fund that will give you the opportunity to grow your fund.  A higher fund value is to your favor because the life insurance coverage of this product is equal to the sum insured plus the fund value.
  • Competitive Yields for your money

    Wealth Assure’s investment portion maximizes your money’s growth potential as it invests in high-performing funds composed of fixed income assets, equities or both.
  • Insurance Coverage Flexibility

    The product provides you the flexibility to determine the insurance coverage needed to preserve your family’s lifestyle and estate using the same amount of annual premiums, for as long as it is paid and the fund performance can accommodate it.
  • Liquidity

    As long as the fund value can support it, Wealth Assure allows withdrawals for a minimum of P10,000.
  • Opportunity for Growth

    Wealth Assure allows for top-ups at a minimum of P60,000. Top-ups give you the opportunity to infuse funds into the policy to further grow your money faster and increase your gains better. It also enables you to enhance both your living or death benefits.


If you wish to discuss how to attain financial freedom, feel free to contact me:

KRISTINE MAGDALUYO
Financial Advisor, Insular Life
09175822327

WEALTH SECURE

Wealth Secure

Shape your dreams with maximum flexibility.


Wealth Secure is a peso-denominated investment linked insurance plan that provides lifetime insurance protection and makes available funds you can use for whatever purpose you may have. This plan can flex to fit your changing needs as you go through the different stages of life – from funding a lifestyle as a young upwardly mobile professional, to building a life with a special someone, tending to parental concerns like funding the educational needs of children, rediscovering one another as empty nesters, up to securing a financially stable retirement.

  • Disciplined savings

    The regularity of premiums built-in the design of the plan allows you to save up for your future in a disciplined and systematic way. You can choose to save annually, semi-annually,quarterly or monthly. With a minimum premium of P20,000, you can start your savings plan and regulate your cash flow to match your desired savings goal. At any time, you can increase your savings plan by doing single pay top-ups.
  • Peace of mind

    Wealth Secure guarantees a minimum death benefit equal to 500% of your annual premium regardless of market performance, an assurance that your beneficiaries are financially secured even if you’re no longer around.
  • Utmost flexibility

    This investment addresses your financial needs allowing you to withdraw required amounts without necessarily terminating your policy. You can even increase/decrease your coverage or add/reduce your premiums as your need for protection changes and your financial position varies.
  • Broad fund selection

    We recognize that your risk appetite may change depending on the life stage you are in, your current financial situation or even your changing goals. For this reason, Wealth Secure gives you greater control over the choice of underlying investment instruments to grow your funds. You have the freedom to allocate your premiums to Equity,Growth, Fixed Income and the Balanced funds.
     
These investment funds are specific to variable life insurance contracts and are not considered mutual funds. Life insurance products are regulated by the Insurance Commission.


If you wish to discuss how to attain financial freedom, feel free to contact me:

KRISTINE MAGDALUYO
Financial Advisor, Insular Life
kaye_magdaluyo@hotmail.com
krmagdaluyo@corlife.com.ph
09175822327

Tuesday, August 7, 2012

CARITAS FUND PROVIDER MABUHAY


CARITAS FUND PROVIDER MABUHAY is a systematic fund accumulation program designed to help you save for the future while you are still at you most productive years.


Features & Benefits

1. A disciplined SAVINGS scheme

You save only for 5 years and your contributions are scheduled either in annual, semi-annual, quarterly, or monthly installments, depending on your chosen payment mode.

A wide variety of program options and plan variants to fit your financial planning needs

2. Fixed and pre-determined PENSION BENEFIT upon maturity

The guaranteed amount of Pension Maturity Benefit focused yet flexible for variety purposes -- you can use it to pay for your future travels, your children's or grandchildren's education. or other interests that you may wish to pursue during your retirement years.

Upon maturity date, your Pension Maturity Benefit shall become due and may be availed thru any of the following:

Settlement Options

a. LUMP SUM PAYMENT. You will receive the Pension Benefit in one-time payment as full and final settlement of the Caritas Fund Provider Elite.

b. PERIODIC PAYMENT OF INTEREST. You may choose to leave your Pension Maturity Benefit and receive its interest earnings on a regular basis, either annual, semi-annual, quarterly, or monthly basis, computed at the duly agreed upon and guaranteed interest rate, subject to the then prevailing savings deposit interest rate at the time of maturity. At any time during the period of availment, you may opt to receive the full amount of the Pension maturity Benefit as full and final settlement of your plan.

c. PARTIAL WITHDRAWAL. Upon maturity, you may withdraw any portion of the Pension Maturity Benefit and subject the remaining amount to the PERIODIC PAYMENT OF INTEREST.

d. Other settlement which you may wish to arrange with Caritas Financial Plans.


3. Enhanced options for ADDED FINANCIAL PROTECTION

The New Caritas Fund Provider may be subscribed in 3 plan variants:

a. FUND PROVIDER CLASSIC will provide you the Pension Maturity Benefit and the basic protection of the Credit Life Insurance and Total Disability Benefit.

b. FUND PROVIDER ULTIMA will further provide a Longevity Benefit and the extra protection of a Term Life Insurance along whith the basic benefits under the Fund Provider Classic.

c. FUND PROVIDER ULTIMA PLUS will likewise provide the basic benefits featured under Fund Provider Classic, plus the Term Life Insurance coverage and an increased Longevity Benefit.

LONGEVITY BENEFIT
If you are alive at the maturity date of your plan, and you subscribed to the Ultima or Ultima Plus variants of the New Caritas Fund Provider, you will be entitled to a cash bonus, payable in lumpsum upon maturity date, as your Longevity Benefit in addition to the Pension Maturity Benefit. The amount of Longevity Benefit depends on the plan variant subscribed:

a. Fund Provider Ultima. The Longevity Benefit shall be equal to 100% of the Pension Maturity Benefit.
b. Fund Provider Ultima Plus. The Longevity Benefit shall be equal to 200% of the Pension Maturity Benefit.

4. Guaranteed Cash Benefit

Non-forfeiture of Contributions

In the event of a lapsed plan remains unreinstated after the prescribed reinstatement period, the plan will not be cancelled and you will still be entitled to a cash benefit upon maturity date anmounting to the total plan credits plus interest of 2%p.a. computed from last unpaid due date until maturity.

Termination Values

Should you decide to discontinue your plan while it is in force, you may surrender and request termination of the plan and be entitled to termination values as approve by the Insurance Commission.


5. Value-added Insurance Coverage

If you are 18 to 60 years of age, and in good health, you will be covered AT NO EXTRA COST with the following:

a. Credit Life Insurance that will fully pay your plan should you pass away during the paying period but before reaching age 70. Your beneficiary will enjoy the pension maturity benefit of your plan upon maturity.

b. Total Disability Benefit that will likewise fully pay your plan should you become permanently and totally disabled during the paying period but before your 60th birthday.

c. Term Life Insurance If you subscribed to the Ultima and Ultima Plus variants of the New Caritas Fund Provider, you will further be covered with Term Life Insurance in case of death prior to the maturity date but before your 70th birthday. Your beneficiary will be entitled to an amount equal to the Contract Price.


Other Features

Trust Fund

1. From the planholder's contributions, Caritas Financial Plans, Inc. maintains a Trust Fund for the exclusive purpose of discharging its obligation to its planholders as provided for in the pre-need plans subscribed. The Trust Fund is administered by a Trustee in accordance with the provisions of the Pre-Need Code of the Philippines.

2. To monitor the performance of the Trust Fund and the solvency of Caritas Financial Plans, Inc., actuarial valuation reports and audited financial statements are regularly submitted to the Insurance Commission.

No Medical Examination Required

Insurance coverage shall be on a "no medical examination" basis up to a maximum of P1,500,000.

Incontestability

Death or disability claims can no longer be constested after the plan has remained in force for an uninterrupted period of one (1) year from its effective date or date of last reinstatement.

Grace Period

The plan shall remain in force even after failure to settle any installment upon its due date within two (2) months from such date of default, only after which the plan shall be rendered lapsed and without force and effect.

Reinstatement

A lapsed plan may only be reinstated either by updating or redating within two (2) years from date of lapsation.

Transferability

While the plan is in force, you may transfer all your rights and privileges under the Agreement to another person as the new planholder.

CARITAS FUND PROVIDER ELITE


CARITAS FUND PROVIDER ELITE is a systematic fund accumulation program designed to help you save for the future while you are still at you most productive years. Whether you have just started your first job or you are at the peak of your career, Caritas Fund Provider Elite is the plan especially designed to fit your financial planning requirements.

Imagine your retirement...

     a time to sit back and relax
     a time for travel and leisure
     a time of comfort and enjoyment
     a time to enjoy financial freedom
     the time to savof the GOOD LIFE!

Pension Benefits

1. Pension Benefit [PB]

Upon the prescribed maturity date, a fixed amount predetermined by the number of units subscribed will become due as the Pension Benefit. The amount may be availed thru a variety of SETTLEMENT OPTIONS.

Settlement Options
a. LUMP SUM PAYMENT. You will receive the Pension Benefit in one-time payment as full and final settlement of the Caritas Fund Provider Elite.

b. PERIODIC PAYMENT OF INTEREST. You may choose to leave you Pension Benefit and receive its interest earnings on a regular basis, either annual, semi-annual, quarterly,
or monthly basis. In the event of your demise, the retained Pension Benefit will finally be paid to your surviving beneficiary. At any time during the period of availment, you may opt to receive the Pension Benefit which will be the final settlement of the Caritas Fund Provider Elite.

c. PARTIAL WITHDRAWAL. You may withdraw any portion of the Pension benefit and subject the remaining amount to the PERIODIC PAYMENT OF INTEREST.

d. Other settlement which you may wish to arrange with Caritas Financial Plans.


2. Yearly Cash Benefit [YCB]

With Caritas Fund Provider Elite, you have a choice from several programs that will help you sufficiently provide for the future financial independence that you envision for youself and your loved ones, EVEN PRIOR TO PLAN MATURITY!

PLAN A will pay you an amount equivalent to 10% of the subscribed Pension Benefit each year for 10 years prior to the prescribed maturity date.

PLAN B will pay you an amount equivalent to 20% of the subscribed Pension Benefit each year for 10 years prior to the prescribed maturity date.

PLAN C will pay you an amount equivalent to 25% of the subscribed Pension Benefit each year for 5 years prior to the prescribed maturity date.

PLAN D will pay you an amount equivalent to 50% of the subscribed Pension Benefit each year for 5 years prior to the prescribed maturity date.

Insurance Benefits

If you are 18 to 60 years of age, and in good health, you will be covered with the following insurance:

1. Term Life Insurance

Pays your beneficiary an amount equivalent to the Pension Benefit of your Caritas Fund Provider Elite should you pass away during the maturity period of the plan priot to reaching age 70.

2. Accidental Death Insurance

Pays your beneficiary an additional amount, also equivalent to the Pension Benefit of your Caritas Fund Provider Elite, should you pass away due to injuries resulting from an accident during the maturity period of the plan but prior to reaching age 65.

3. Credit Life Insurance

Pays for the balance of the Contract Price should you pass away during the paying period but prior to reaching age 70, thereby rendering the plan fully paid and your beneficiary will enjoy both the Yearly Cash and Pension Benefits of the Caritas Fund Provider Elite at the prescribed period.

4. Total Disability Benefit

Waives all installments that may still become due should you become permanently and totally disabled (for an uninterrupted period of at least 6 months) during the paying period but prior to reaching age 60, rendering the plan fully paid and you will enjoy both the Yearly Cash and Pension Benefits of the Caritas Fund Provider Elite at the prescribed period.


Other Features

Affordability

A wide range of prices and programs to choose from. Depending on the maturity period, the number of plan units, and the amount of early cash benefit, your plan will be priced according to your budget and desires.

Plan Termination Values

While the plan is in force, the plan may be surrendered in exchange of its terination value in accordance with the Schedule of Pre-Maturity Benefit.

Trust Fund

1. From the planholder's contributions, Caritas Financial Plans, Inc. maintains a Trust Fund for the exclusive purpose of discharging its obligation to its planholders as provided for in the pre-need plans subscribed. The Trust Fund is administered by a Trustee in accordance with the provisions of the Pre-Need Code of the Philippines.

2. To monitor the performance of the Trust Fund and the solvency of Caritas Financial Plans, Inc., actuarial valuation reports and audited financial statements are regularly submitted to the Insurance Commission.

No Medical Examination Required

Insurance coverage shall be on a "no medical examination" basis up to a maximum of P1,500,000.

Incontestability

Death or disability claims can no longer be constested after the plan has remained in force for an uninterrupted period of one (1) year from its effective date or date of last reinstatement.

Grace Period

The plan shall remain in force even after failure to settle any installment upon its due date within 60 days from such date of default, only after which the plan shall be rendered lapsed and without force and effect.

Reinstatement

A lapsed plan may only be reinstated within two (2) years from date of lapsation either by updating or redating.

Non-forfeiture

If a lapsed plan remains unreinstated after the prescribed reinstatement period, the planholder will still be entitled to a cash benefit upon maturity date anmounting to the total plan credits plus interest of 2%p.a. computed from last unpaid due date until maturity.

Transferability

While the plan is in force, you may transfer all your rights and privileges under the Agreement to another person as the new planholder.

Thursday, February 10, 2011

1st Beach Wedding Experience Part 1

It will be my first time to attend a beach wedding on Saturday, Feb. 12, 2011 at DOS PALMAS, Palawan. Since its first time, i want to share my experience.

Feb. 10, 2011. 8AM Flight via PR 195.
We got to the airport at 7:10am already. Parking lot in Terminal 2 was full. ANONG MERON? tanong ni Allan. Grabe, kakaiba nga naman kasi overflowing talaga ang sasakyan.
And so we have to go back to Park N' Fly. The bad thing is... they charge PHP 381/day. Whoah!!! Mataas pa to sa minimum wage ah? Over! Over! Comment ni Allan... "CHARGE TO EXPERIENCE!"
We we reach the boarding area, it was already 7:30am. Expecting to board the plane at 8:00AM. Pero 8:10AM na nakaupo pa din kami sa boarding area. Hirit ni Allan, "WHAT'S NEW???" Haha... Ang daming words for the day. At day 1 pa lang... take note!
So finally, we were able to settle down inside the plane at around 8:35am and left Manila at 8:45am. Boy, that was 45 mins. late from the original schedule. Naku, naiimbiyerna na si Allan. Kaye to the rescue..."Ok! Calm down! Don't stress yourself!" Picture! Picture na lang tayo! Hahaha!



OK ba sa pics? Wala tayong magagawa eh.. sabi nga ni Allan Lopez sa Facebook comment niya sa status ko (Yup, Allan din?) "Eh kaya nga PAL eh, PALaging late!" Hahaha! You made me smile Allan Lopez! Thanks for that!

At exactly 10 mins. before 10AM, Welcome to Puerto Princesa Airport na kami. Sa wakas!

Destination... ONE ROVER'S PLACE!
The story continues....

Wednesday, October 13, 2010

10.10.10

They said that getting married on this once in a lifetime date is lucky... and I guess this was also part of what my sisters-in-law want out of this date...

10.10.10 equals Double Wedding for Magdaluyo sisters.
The Churh... in Fernbrooks...
Mga poging abay na anak ko.. hehehe... Kulit ni Elijah nang-aagaw ng flower basket sa flower girl...


The grooms...
The brides...
The entourage...
The family picture...

Well, lucky or not... it's the blessing from the Lord that counts...
May they be blessed with more wonderful children and abundant graces from God.

































Wednesday, September 22, 2010

Acee's 1st candle at 5

Acee turned 5 years old yesterday...

It was at 6 o'clock when Acee woke up yesterday. Quite surprising since he usually wakes up last among the 4 of us (Acee, Allan, Elijah and me) which is normally past 7am. So I think he was quite excited to start his day. He went down and started his day by playing with their nanny, Ate Aileen. When I woke up and went down, her Lola Judith was already there and gave him a present. So that was his first birthday gift yesterday.

He was excited to go to school because there will be a short and simple celebration for him there together with his classmates. When Acee left, Allan and I rushed to Jollibee to buy their food. We arrived at CKLC before 10am. They were already in their respective places and tables were arranged the way they do when taking their snacks. We were also surprised to see Teacher Mely, the school directress inside the room. And so when we arrived, the celebration begins.

The kids sang a happy birthday song repeatedly until Acee was able to blow his candle. His wish..."I wish I will be a good boy!" Wow... I also wish that anak I said to myself... hehehe...
Several of his classmates brought a gift for Acee. I believe it's every kid's favorite part of their special day.

From my son's face, I saw that he was happy to spend this special day with his teachers and classmates. And while they were eating their snacks, Allan and I already left.

Friday, September 17, 2010

God Really Amazes Me...

Jun (my co-unit manager seated on my left) and I are having short chats once in a while to redirect our focus out of work. I guess this is one form of relaxation for us. Just last week, his youngest daughter (1 y/o) had a surgery at the Children's Hospital so he was out for 2 days. When he gets back to the office, he told me about the surgery, about other cases of children he saw at the hospital, and other stuffs. I remembered asking him how much hospital bill he was expecting. I believed he answered, "Approximately P50,000." That's already small compared to having the operation in a private hospital. When he was preparing all the necessary documents for release of her daughter, he mentioned about the professional fee of the surgeon being waived because the uncle of her wife knows the surgeon when he taught in university before. So that's a discount already for his daughter's operation expenses.

Yesterday, when we were about to go home he started the little chat with a statement...
"Na-ooverwhelm talaga ako sa mga nangyayari." He was referring to some instances relating to his daughter's operation.
So when I asked, "Bakit ano bang nangyari?" He started telling me about all professional fees of surgeon, perdiatrician, anesthesiologist were waived. And all other discounts given to them.
And then I interrupted and asked, "So, how much did you pay?"
"Baka di ka maniwala pag sinabi ko sayo yung binayaran ko?"
"Magkano nga? Wala pang P10,000?"
"Wala pa ngan P5,000 lahat-lahat!"
"Wow... grabe sobra-sobrang blessing naman yun! Pang-tithes mo lang yung hiningi ni Lord sa'yo." Jun smiled!

God truly provides even before we ask for it! He really amazes me sometimes with the stories of the people around me who experienced amazing things from Him. Jun is a Christian while I am a Catholic, but though we have different religion, we both agree how much God loves us and work in each one of us. Jun acknowledge the fact that God uses all the doctors and other people to show His love to Jun and his family. He is truly an amazing God and nothing can ever compare to Him!

Thank you Lord for using people close to me to re-affirm us of your love and how great and generous you are to all of us!

Tuesday, September 7, 2010

Acee & Elijah

Eto na sila ngayon...
Acee, 4 years 11 months.
Elijah, 1 year 5 months.
So proud of them... Ang popogi... mana kay Mommy. hahaha!




Taken on Aug. 28, 2010. Bag of Beans Coffee Shop and Restaurant, Tagaytay.





Friday, August 13, 2010

30 Seconds Speech of a CEO

A must be priorities in life...

(1) God
(2) Family
(3) Work



I recently heard this from a speaker in Christian Life Seminar (CLS) we have for CFC-FFL.

I agree and disagree. I agree that Family must be first over work. But somehow I disagree because I agree with what my husband says that God should never be one of our priorities but should always part of all our priorities. Does this sound weird? Well, I can't explain either but I still agree with him.



Then I came across this email sent by my sister this morning. "The shortest speech given by a CEO" as a subject. 30 seconds speech as the indicated in the mail. Interesting... what could he possibly tells us in a span of 30 seconds.



Amazing isn't it? Short and straight to the point. And the best part is ...what he said makes sense. So I thought I'd share it here. And I get to be reminded everytime I open my blog.

So whether your priorities in life now is of any order... we have the choice to re-arrange them and make sure that we put value on what we have to value the most. Its our life and our choice anyway.

Thursday, July 8, 2010

General Motors Diet... effective or not?

I've first heard it in the pantry of the office. Apparently, several people are into DIET thing called the GENERAL MOTORS DIET. Curious as I am, I researched this thing in the net.

GENERAL MOTORS WEIGHT LOSS DIET (source : internet)
The following diet and health program was developed for the employees and the dependants of General Motors Inc. The program was developed in conjunction with the grant from the US Department of Agriculture and the Food and Drug Administration. It was first tried at the Johns Hopkins Research Centre and was approved for distribution by the Board of Directors of General Motors Corporation at a general meeting on August 15, 1995. General Motors Corporation wholly endorsed this program and is making it available to all employees and families. This program will be available at all General Motors Food service facilities.

It is the management’s intention to facilitate a welfare and fitness program for everyone. This program is designed for a target weight loss of 56 Kgs. per week. It will also improve your attitude and emotions because of its systematic cleansing effects. The effectiveness of this seven day plan is that the foods eaten burn more calories than they give to the body in caloric value. This plan can be used as often as you like to without any fear of complications. It is designed to flush your system of impurities and give you a feeling of well being. After seven days you will begin to feel lighter by atleast 10 pounds. You will have an abundance of energy and an improved disposition.

During the first seven days you must drink 10 glasses of water each day.
DAY ONE
All fruits except bananas. Your first day will consists of all fruits you want. It is suggested you consume lost of watermelon and cantaloupe.

DAY TWO
All vegetables. You are encouraged to eat until you are stuffed with all the new and cooked vegetables of your choice. There is no limit on the account or type. Avoid oil and coconut while cooking vegetables. Have large boiled potato for breakfast.

DAY THREE
Any mixture of fruits and vegetables of your choice. Any amount, any quantity. No bananas yet and no potatoes today.

DAY FOUR
Bananas and milk. Today you will eat as many as eight bananas and drink three glasses of milk. You can also have I bowl of vegetables soup.

DAY FIVE
Today is a feast day. You will eat 1 cup of rice. You also have to eat six whole tomatoes and drink 12 glasses of water today to cleanse your system of the excess uric acid you will be producing.

DAY SIX
Today is another all vegetables day. You must eat 1 cup of rice today and eat all the vegetables you want cooked and uncooked to your hears content.
DAY SEVEN
Today your food intake will consist of 1 cup rice, fruit juice and the vegetables you care
to consume.
Tomorrow morning you will be five to eight kgs. lighter than 1 week ago. If you desire further weight loss, repeat the program again. Repeat the program as often as you like, however, it is suggested that you rest for three days before every repetition. You have your system under control now and it will thank you for all the purging and cleansing you just gave it. Even more than a diet program it is good to follow this diet once in a while to clean your digestive system and remove toxic substances that have a accumulated in the system.
ADDITIONAL COMMENTS
The most important element of the program is the 10 tall glasses of water a day. You can also flavour the water will some lemon to make the drink easier. While on the program, take only black coffee and never more than one teaspoon of oil. Preferably do not use oil because the high calorific content. No fruit juices before day seven. Here is what happens to you body while you are on this program and how and why it works.

Day 1: You are preparing your system for the upcoming program. Your only source of nutrition is fresh fruits. Fruits are nature’s perfect food. They provide everything you can possibly want to sustain life except total balance and variety.
Day 2: Starts with a fix complex carbohydrates in the form of a boiled potato. This is taken in the form of a boiled potato and taken in the morning to provide energy and balance. The rest of the day too consists of vegetables which are virtually calories free and provide essential nutrients and fibre.
Day 3: Eliminates the potato because you get your carbohydrates from fruits. Your system is now prepared to start burning excess pounds. You will have cravings, which should start to diminish by day four.
Day 4: Bananas and milk. You are in for a surprise. You probably will not be able to eat all the bananas allowed. But they are there fore the potassium you have lost and the sodium you may have missed the last three days. You will notice a definite loss of desire for sweets and you will be surprised at how easy this day will go.
Day 5: Rice and tomatoes. The rice is for the carbohydrates and the tomatoes are for the digestion and the fibre. Lots of water purifies your system. You should notice colourless urine today. Do not feel you have to eat one cup rice, you may eat less. But you may eat six tomatoes.
Day 6: It is similar to five. Vitamins and fibre from the vegetables and carbohydrates from the rice. By now your system is in a total weight loss inclination. There should be a noticeable difference in the way you look today compared to day one.
Day 7: You may celebrate with champagne. You may also have white wine instead of champagne, but in al practical programs, and in all surveys done to measure the success of the program, General Motors employees have always preferred champagne to white wine.
More than one cup of coffee with milk is especially forbidden. Milk and oil add empty calories to your diet. Avid coffee lovers can console themselves with black coffee. However, after the first week, it will help your digestion and set your stomach. The key think to remember is that if you are hungry at any time, then you are not following the diet correctly. Almost all people give up the diet when they are hungry because of dieting. The secret of this program is that you should never hungry. If it is a vegetable day, eat so much vegetables so that you are never hungry. If it is a fruits day, eat so much fruits that you are never hungry. You may be bored of eating vegetables all day, but you should not be hungry. You can take any amount of General Motors wonder soup on any day.
GENERAL MOTORS WONDER SOUP
The following soup is intended as a supplement to your diet. It can be eaten any time of the day in virtually unlimited quantities. You are encouraged to drink large quantities of this soup.
23 oz water
06 large onions
02 green peppers
03 whole tomatoes
1 cabbage
1 bunch celery add
herbs and seasoning as desired.
This program is highly recommended for women and men above 40 for whom excess weight is especially dangerous. Excess weight for women aggravates arthritis problems and leads to rapid joint decay. Pain and joint deterioration can be lessened by weight loss as weight loss removes the stress on the knee joint. Excess weight is the most critical factor in keeping good health and excess weight is responsible for the most problems including coronary diseases, heart problems, arthritis and cancer among other serious life threatening diseases. Most serious health problems can be avoided by the single function of maintaining an ideal weight. Daily mild exercise of 20 minutes is also essential. Do not tire yourself out, but being regular in your exercise and maintaining an ideal weight goes a long way in ensuring a happy, healthy and long life.
And so I have done some more research about its side effect. They say that for some, the side effect is hair loss... I don't see the connection of this diet with the hair. But well, if this is true, then it's scary. Also, there are some who opposes the many comments of its effectiveness... but what the heck? You cannot please everybody... Maybe I just have to do it and experience it myself and see if this really works. So when it's gotta be??? Tomorrow? Next week? Next Month? Aaahhh... i'll let you know in the future.
I became curious how this works for General Motors but I came across this article which spilled the truth about GM Diet. Read on...
July 30, 2009
Op-Ed Columnist
The General Motors Diet
By ROGER COHEN
(Few parts in the beginning of the article already ommitted...)

The diet I was on is called the General Motors diet. I have a friend in London who, as he puts it, “does a G.M.” a few times a year to stay in shape. I’ll ask him how he is and he’ll say: “Fine, yeah, doing a G.M., going well.”

He has found it an effective week-long diet, yielding a weight loss of 10 to 15 pounds. My own experience confirms this.

The diet, which can be easily downloaded from the Web, has some curious characteristics (for example, you begin Day Two with a baked potato). But by about Day Five you will notice that your body is geared to total weight loss.

The introduction to the diet says: “The following diet and health program was developed for employees and dependents of General Motors, Inc., and is intended for their exclusive use. The program was developed in conjunction with a grant from the U.S. Department of Agriculture and the Food and Drug Administration. It was field tested at the Johns Hopkins Research Center and was approved for distribution by the Board of Directors, General Motors Corp., at a general meeting on August 15, 1985.”

I was intrigued by this. Why, I wondered, had G.M. not made more of its diet? Cars have not done wonders for the company of late. With some inventive marketing, couldn’t G.M. be the new Atkins or South Beach? For a company that’s slimming down, wouldn’t this be nice synergy?

So I called Tom Wilkinson, a G.M spokesman. He confessed he’d never heard of the diet, but was kind enough to do some research, going through all the board meetings from the 1980s.

“We’ve concluded it’s an urban myth,” he told me. “It’s a fairly unconventional diet, and in the 1980s G.M. was the most conventional of companies.”

Wilkinson had thought the diet might be linked to Jose Ignacio Lopez De Arriortua, an executive of Basque origin whose obsession with cost-cutting through a global supply chain earned him legendary status during a spell at G.M. as head of purchasing. Lopez was into fruit and lean meats and what Wilkinson called this “whole Samurai thing needed to keep up with all the 24-hour traveling of the global age.”

But this lead, too, yielded nothing. “Nobody here recalls anything about such a diet, and we have no idea how it got attached to G.M,” Wilkinson said. He noted that the number of G.M. employees in the United States had gone from 583,000 in 1986 to about 64,000 today. “That’s the real G.M. diet, an almost 90 percent loss.”

Downsizing is not that radical with the diet, but it is rapid. A first day of fruit, especially melon, is followed by a day of vegetables — quantity is immaterial. On the third day, it’s fruit and vegetables (but no potatoes).

Day Four brings you bananas (up to eight) and milk. On this day, you’re also encouraged to drink a vegetable soup (called “G.M.’s Wonder Soup”) that may be consumed any day if hunger pangs get severe. The fifth day is devoted to beef and tomatoes. Day Six: beef and vegetables. And you round things out with a day of brown rice, vegetables and fruit juice.

It’s a good diet, G.M. or no, but Wilkinson told me the company was too busy focusing on its “core mission” to embrace it. I lost 11 pounds in a week.

Monday, July 5, 2010

Elijah loves Ice Cream

June 12, 2010
After lunch
Bauang, La Union

This scene came as a surprise to us. It was the first time Elijah ate ice cream on a cone on his own. Oh! He loves ice cream so much... don't you agree?

Monday, June 28, 2010

Close Encounter with Komodo Dragon


While in Taman Mini (Jakarta, Indonesia), we saw a Komodo Museum just when we were about to leave the place. Allan got so excited not minding his tired feet. Hendy, a friend oh him, asked if he wants to go inside and see the reptiles. Allan said, "Only if there is an alive KOMODO DRAGON inside." So Hendy went over the ticket counter to check on it. While Hendy is not in the car, Allan told me... "Sana wala.. sana wala.." Sana wala daw kasi wala na kami pambayad ng entrance. Hahahaha... Kakaloka talaga itong asawa ko. Ano ba talaga kuya???

Here comes Hendy and said. "They have an alive Komodo Dragon."
"So how much do we pay?" Asked Allan."
"RP 7.500" said Hendy.
Allan looked and me and asked, "Shall we go?"
Not wanting to disappoint his eagerness to see this animal that I've never heard of, I answered, "Let's go!"

Well, it turned out that I also enjoyed looking inside the Komodo Museum. Especially the Komodo Dragon. And spent just P45 each to see the place. Nice deal!

Inside this cage is the Komodo Dragon. Let's go!

Allan's close encounter with Komodo Dragon (18 years of age already).


Had a picture with the Komodo Dragon but my heart beat says... Tug-tug. Tug-tug!


Hendy pretends to be afraid of it. O come on Hendy, I know you are also afraid!




KOMODO DRAGON is the largest living species of lizards found in the Indonesian islands of Komodo, Rinca, Flores and Gili Motang.

http://en.wikipedia.org/wiki/Komodo_dragon




Tuesday, June 22, 2010

100 Islands Road Trip





5 years ago...


In a gathering...

"Punta tayo Hundred Islands?!?!"

"Sige."

"Sige."

"Sige, game kami dyan."

At dyan nabuo ang planong mag Hundred Islands.


Present (June 19-20, 2010)


Sa wakas, natuloy din ang Hundred Islands road trip. Sino-sino ang present??? Eto ang pruweba...


I really enjoyed this trip. Walang ka-hassle hassle.


Sa starbucks Banawe with Pin...

"O planning session na. Saan ang next trip natin?"

"Hehe.. after 5 years kaya uli bago matuloy yun?"

We'll never know. =D


Wednesday, May 19, 2010

Inspirational Videos

In every All Hands Meeting in HICAP, I look forward to the videos that our GM prepares for us. It's entertaining, educational and inpiring. Videos are short but very meaningful.

Well, allow me to share with you some of the videos he showed us during our March 2010 All Hands Meeting.


Thursday, April 8, 2010

blog-blog-an nga lang ba?

I am really glad that I've been into blogging. As I've said in my very 1st blog... hindi talaga ko writer. Sabi nga pwede naman daw i-develop yun. Practice makes perfect di ba? Well, let's just wait and see if it works for me. "Lord, please help me!" Hahaha!

One good thing I like about this blogging activity is that I get to read stuffs & articles about the people that I've worked with before and should I say at the level of "ACQUAINTANCE" lang ang connection namin. Hindi man kami naging close while they were still here in HICAP, I now have a chance to know them thru their blogs.

Kung sino-sino sila, tignan niyo na lang sa list ng MY BLOG LIST ko.

Their works are inspiring, touching and motivating. It's as if they were born writers. Kakainggit!

In time, I hope I can find that talent to write blogs. As in blog talaga... hindi blog-blog-an lang!

Wednesday, April 7, 2010

Elijah turns 1

March 28, 2010

Our tabachingching turns 1 year old already. Thank you to Ninong Lloyd for the layout of Elijah's invitation and birthday tarp.


Party was held at VILLA CRISTINA RESORT, Silmer Subdivision, Binan, Laguna. Thanks to Ninong Kit for the venue!


Party was supposed to start by 930AM. But for some reasons, guests arrived almost at the same time which is 1030AM the earliest. Wow... talaga namang Filipino Time. Tsk.. Tsk.. Tsk..

So while waiting for the guests, we just had our picture taking first.


Good thing about having a party host is that they take care of everything, kids activity while waiting for the other guests to arrive, program execution and games facilitation.
See Elijah's attempt to do coloring. Akala mo marunong na siya! Hahaha!
"Tita Girlie (the party host), finish!"
In the mood for picture taking. I'm glad we had one before the party started.
There were fun games that I opted not to post photos since medyo hahaba na itong blog na ito.
What happened after the games and eating time is the BUBBLE ART SHOW! Well, it's our first time to see one.
Kuya Acee and buddy-buddy Mikel inside the big bubble.

The cake ceremony! Happy Birthday Elijah! Happy Birthday Elijah! Happy Birthday! Happy Birthday! Happy Birthday Elijah! Blow Elijah! Blow! Thank you Kuya Acee for helping!

And so the kiddie party ended and swimming party begins!
Party was fun and memorable!
Thanks to all those who came!

Tuesday, April 6, 2010

Proud of our Kuya Acee...

When Kuya Acee got a YELLOW star in his class on 1st Quarter of SY 2009-2010, we were very happy. Well, I know that he's very smart but I was not that confident that he will top his class.

2nd Quarter came and he still got a yellow star but this time together with another classmate of his who got a red star last quarter.

Can you guess what he got on the 3rd Quarter period?
Naaah?!?! Not a yellow star this time but a RED star. He was down to 2nd place. Like most parents would feel, we felt sad because he wasn't able to maintain the Top 1 spot. I remember when we got his 3rd Quarter Class Card, we asked his teacher if he's not being able to catch up with the lessons. Teacher said, "OK naman siya sa subjects niya Mommy. Yun nga lang, very talkative na siya ngayon. Kasi everytime we do seatworks. inuuna niya turuan yung katabi niya and he talks to his other classmates while doing seatwork kaya pag malapit na mag TIME IS UP... minamadali na niya yung gawa niya."

Hahaha! Ironic talaga... Acee was so quiet during his 1st few days/weeks in school. Minsan nga sabi ko sa sarili ko baka mailap si Acee sa tao at classmates niya. Aba ngayon naman... sumobra sa daldal! Funny talaga!

On their 4th Quarter exam, na-shock ako kasi COVER to COVER ang exam nila. Hala?!?!? When he showed us his exam papers after several days wala atang perfect score. So we did not expect anything sa 4th quarter.

But surprisingly, Acee got the 1st Honor Medal last March 27, 2010 for Nursery-Faith class. When his dad went up on stage to pin his medal, he looked at me and gave me a THUMBS UP sign. Boy, I was so proud of him!




Thanks to teacher Tere for her patience to all Nursery students!

Thanks to teacher Mely (school directress) for always guiding our kids in CKLC!

Thanks to God for giving us Acee and Elijah!

Congratulations Kuya Acee! We love you! We are so proud of you!
GOOD JOB!