Without a doubt, People’s Palace is the best Thai Restaurant here in Manila. I don’t know about it’s authenticity but I really love how their mixture of spices creates flavorful dishes that I just can’t get enough of. My favorite dishes are the Tom Yum Gum and Crispy Cat Fish Salad. Their Pad Thai is a little too sweet for my taste but it’s not bad either and how can I forget their Pannacotta that’s also one of the best in Manila. The only gripe I have is they have exorbitant prices that are sure to make your wallet gasping for breath.
If you’re on a budget and just have to get your fix of Thai food then Soms is probably for you. They charge around 1/3 of People’s Palace and while their dishes cannot compare to people’s palace, it’s okay for the price that they are charging. Real value for money!
Thursday, February 19, 2009
Sunday, January 11, 2009
Is fortune really not everything?
The ongoing financial crisis is giving us a glimpse of what the rich and famous (or formerly rich but still famous) are really like. Do they throw in the towel in the face of adversity or do they struggle to get back on their feet and possible back to their “golden years”
A lot of ex-billionaires and ex-millionaires have decided that ending their lives is a much better fate than living without the luxuries that they were so used to having. Which makes me think, don’t we all work in order to survive… some have earned more than enough money to live luxuriously, some have a little extra for occasional splurges and some have just enough in order to survive. So why, end your life because of financial woes? I guess that that the cliché “money isn’t everything” is easier said.
A lot of ex-billionaires and ex-millionaires have decided that ending their lives is a much better fate than living without the luxuries that they were so used to having. Which makes me think, don’t we all work in order to survive… some have earned more than enough money to live luxuriously, some have a little extra for occasional splurges and some have just enough in order to survive. So why, end your life because of financial woes? I guess that that the cliché “money isn’t everything” is easier said.
Monday, December 8, 2008
Fortune gone but, really, it was just bad luck by Shirley Yam
Accumulators - now more well known as "I'll kill you later" - have hurt some of the wealthiest people in our community. Just what were they thinking when they essentially flushed their cash down the toilet and do they deserve our sympathy or derision? Based on a number of interviews with bankers and insiders, I think I have managed to get inside the head of one such investor.
'I have lost HK$200 million and a large piece of my business in accumulators.
I know what you think. Only fools would pour their money into a contract that offers limited upside but unlimited downside, right?
But I am no fool.
Together with my college friends, I have built from scratch an enterprise that leads the industry. It was all done within a dozen years. Trust me, in China's business jungle, it took more than just luck.
Early last year, we even managed to get our Hong Kong listing. Overnight, we became billionaires. Watching the market pushing our firm to valuations that rivalled the blue chips was like magic.
In November 2007, the private bankers entered our beautiful world with their pretty Chanel suits, shiny diamond rings, sweet voices and a dazzling list of investment proposals. They are part of the investment bank's one-stop-shopping service - pre-IPO investment, public listing and then wealth management for the major shareholders.
Accumulator contracts were top of the list. They called it an unbeatable opportunity to stock up on blue chips, like HSBC Holdings, China Mobile and China Life Insurance. For every trading day within a year, I would buy a committed number of shares.
Most important of all, they came at a 30 per cent discount to the market price of the day I sign the contract. And I didn't even have to pay in full. For a US$1million contract, a US$300,000 cash or share deposit would suffice.
I had heard of this before, in dining rooms, cocktail parties and on the golf green. Almost everybody with some money was talking about it. If you were not, you are either not rich or smart enough.
The eyelash fluttering girls from the banks named a list of people that were already in. It was a Who's Who list of the city's powerful - the tycoons, their wives and their sons. It felt good to know I was in the same loop with them.
But life has trained me not to trust any banker. Sensing my hesitation, one of the girls quickly added, `Of course, there was a risk that you will be buying stocks at above the market price. But here we are talking about HSBC and China Mobile. They are as good as gold in the long run.'
She was right. If someone offered me China Mobile at below HK$100, I would immediately jump on it. Remember the stock once traded at HK$158. Besides, the market had already corrected from its 31,638-point peak.
I signed a US$2 million contract. I admitted I did not read the fine print.
But I am not betting too much. It's not even a decimal point of the fortune the bull market showered on me. But I played safe. I am not a cowboy like many of my fellow countrymen who bet on accumulators on new but sexy stocks, like Alibaba, a portal that had traded for less than a year.
A week later, the banker called with goods news. As the market rebounded, the stock has risen 3 per cent and hit the strike-out price. I pocketed the 30 per cent discount of the shares that I've accumulated that week. It's small but still a windfall.
Winning tastes good so I increased my bet. There were days where the shares would go under water but quickly recover as the market zigzagged.
The big day came in spring. By late April, accumulators had already brought me a handsome profit following the 20 per cent market rebound. I decided to go big this time. To get the ammunition, I sold some of the holding in my firm as the IPO lock-up period expired.
By then, the press was full of horror tales about accumulators, nicknamed "I'll kill you later" by some. I read about it. But these were losers talking. They lost because their pockets were not deep enough. When the market fell and the margin calls came, they were toast.
It was a different story for someone like me. I was sitting on HK$300 million in cash and a business that was still worth tens of billions despite the correction. I could sit through the darkness until the sun rose.
It was true that Beijing was trying to cool down the overheated economy. But this rhetoric comes and goes every few years.
It was true that the subprime problem was still lingering in America. But China's economy was big and strong enough to decouple not just itself but the rest of Asia from the trouble across the Pacific Ocean.
It may get darker before dawn but the market had already corrected over 25 per cent from the peak. Also, don't forget there was a 30 per cent price cushion in the accumulator.
I was not alone. New bets on accumulators were made even in July when the big market shakeout began.
But who would have expected Henry Paulson to let go of Lehman Brothers? We don't let banks go bust in China. Who would have expected it to ignite a massive deleveraging by funds and banks that turned into an unprecedented death spiral?
In the last two weeks of September, my beloved blue chips dived more than 30 per cent. Gone was the price cushion.
The pretty bankers were after me. They phoned. They send SMS. They asked for HK$200 million, partly to top up my margin and the rest to pay for the committed daily intake of shares.
I had only three days to find the money!
If not, they would dump the blue chips accumulated in my account and ask for the immediate payment of the rest of the stocks that I had committed to buy.
I had no choice but to sell stakes in my firm. I dumped HK$220 million worth of shares in early October. Then, as the price went further south, a further HK$320 million worth of shares was gone 10 days later. By late October, I parted with an additional HK$350 million more of shares. All sold at fire-sale prices. It was painful.
There are four more months to go before my contracts expire. I am negotiating a settlement with my banks. A tycoon recently got a pay-by-instalment settlement. Another's son has successfully cut down his charge by half.
No matter what, a large piece of my fortune is gone. Just don't add salt to my wounds by calling me a fool. I am just unlucky."
*** I guess that we all learned a valuable lesson here, be careful with your money and don't be arrogant. Most of the people that lost a lot of money are smart and considered experts in finance. What did them in is that they think that they can outdo the market.
'I have lost HK$200 million and a large piece of my business in accumulators.
I know what you think. Only fools would pour their money into a contract that offers limited upside but unlimited downside, right?
But I am no fool.
Together with my college friends, I have built from scratch an enterprise that leads the industry. It was all done within a dozen years. Trust me, in China's business jungle, it took more than just luck.
Early last year, we even managed to get our Hong Kong listing. Overnight, we became billionaires. Watching the market pushing our firm to valuations that rivalled the blue chips was like magic.
In November 2007, the private bankers entered our beautiful world with their pretty Chanel suits, shiny diamond rings, sweet voices and a dazzling list of investment proposals. They are part of the investment bank's one-stop-shopping service - pre-IPO investment, public listing and then wealth management for the major shareholders.
Accumulator contracts were top of the list. They called it an unbeatable opportunity to stock up on blue chips, like HSBC Holdings, China Mobile and China Life Insurance. For every trading day within a year, I would buy a committed number of shares.
Most important of all, they came at a 30 per cent discount to the market price of the day I sign the contract. And I didn't even have to pay in full. For a US$1million contract, a US$300,000 cash or share deposit would suffice.
I had heard of this before, in dining rooms, cocktail parties and on the golf green. Almost everybody with some money was talking about it. If you were not, you are either not rich or smart enough.
The eyelash fluttering girls from the banks named a list of people that were already in. It was a Who's Who list of the city's powerful - the tycoons, their wives and their sons. It felt good to know I was in the same loop with them.
But life has trained me not to trust any banker. Sensing my hesitation, one of the girls quickly added, `Of course, there was a risk that you will be buying stocks at above the market price. But here we are talking about HSBC and China Mobile. They are as good as gold in the long run.'
She was right. If someone offered me China Mobile at below HK$100, I would immediately jump on it. Remember the stock once traded at HK$158. Besides, the market had already corrected from its 31,638-point peak.
I signed a US$2 million contract. I admitted I did not read the fine print.
But I am not betting too much. It's not even a decimal point of the fortune the bull market showered on me. But I played safe. I am not a cowboy like many of my fellow countrymen who bet on accumulators on new but sexy stocks, like Alibaba, a portal that had traded for less than a year.
A week later, the banker called with goods news. As the market rebounded, the stock has risen 3 per cent and hit the strike-out price. I pocketed the 30 per cent discount of the shares that I've accumulated that week. It's small but still a windfall.
Winning tastes good so I increased my bet. There were days where the shares would go under water but quickly recover as the market zigzagged.
The big day came in spring. By late April, accumulators had already brought me a handsome profit following the 20 per cent market rebound. I decided to go big this time. To get the ammunition, I sold some of the holding in my firm as the IPO lock-up period expired.
By then, the press was full of horror tales about accumulators, nicknamed "I'll kill you later" by some. I read about it. But these were losers talking. They lost because their pockets were not deep enough. When the market fell and the margin calls came, they were toast.
It was a different story for someone like me. I was sitting on HK$300 million in cash and a business that was still worth tens of billions despite the correction. I could sit through the darkness until the sun rose.
It was true that Beijing was trying to cool down the overheated economy. But this rhetoric comes and goes every few years.
It was true that the subprime problem was still lingering in America. But China's economy was big and strong enough to decouple not just itself but the rest of Asia from the trouble across the Pacific Ocean.
It may get darker before dawn but the market had already corrected over 25 per cent from the peak. Also, don't forget there was a 30 per cent price cushion in the accumulator.
I was not alone. New bets on accumulators were made even in July when the big market shakeout began.
But who would have expected Henry Paulson to let go of Lehman Brothers? We don't let banks go bust in China. Who would have expected it to ignite a massive deleveraging by funds and banks that turned into an unprecedented death spiral?
In the last two weeks of September, my beloved blue chips dived more than 30 per cent. Gone was the price cushion.
The pretty bankers were after me. They phoned. They send SMS. They asked for HK$200 million, partly to top up my margin and the rest to pay for the committed daily intake of shares.
I had only three days to find the money!
If not, they would dump the blue chips accumulated in my account and ask for the immediate payment of the rest of the stocks that I had committed to buy.
I had no choice but to sell stakes in my firm. I dumped HK$220 million worth of shares in early October. Then, as the price went further south, a further HK$320 million worth of shares was gone 10 days later. By late October, I parted with an additional HK$350 million more of shares. All sold at fire-sale prices. It was painful.
There are four more months to go before my contracts expire. I am negotiating a settlement with my banks. A tycoon recently got a pay-by-instalment settlement. Another's son has successfully cut down his charge by half.
No matter what, a large piece of my fortune is gone. Just don't add salt to my wounds by calling me a fool. I am just unlucky."
*** I guess that we all learned a valuable lesson here, be careful with your money and don't be arrogant. Most of the people that lost a lot of money are smart and considered experts in finance. What did them in is that they think that they can outdo the market.
Monday, November 17, 2008
Scary Stuff
Last night, while I was chatting with Pam, she told me to visit this site www.hotel626.com . According to her, it was one scary site. At first, I thought that it had something to do with the world economy or her school work... Pam doesn't scare easily so I decided to visit the site. True enough, I was scared to my wits end. I am not the benchmark for bravery for these sort of things but I love horror movies--- I can't sleep at night after watching one though.
This site will surely give you the adrenaline rush that you're seeking!
This site will surely give you the adrenaline rush that you're seeking!
Thursday, November 6, 2008
George Canseco
Music is one of my passions which is why I hold a very deep respect for musicians... probably even deeper than the respect that I hold for mathematicians and scientists. It never ceases to amaze me how they are able to touch thousands of lives through melodies and words, how their works are able break down the barriers of time and often times even geography so long as the language are the same.
George Canseco was one of the Philippines' greatest composers. He lived a very colorful life which is reflected through his songs. Below is an article I clipped from "The Inquirer" which hopefully will give you an idea of the man behind the songs which touched our lives.
First posted 02:32am (Mla time) Nov 20, 2004
By Nini Valera
Inquirer News Service
Editor's Note: Published on page A1 of the November 20, 2004 issue of the Philippine Daily Inquirer
GEORGE Canseco is dead.
The songwriter, who wrote some of Pinoy pop music's most enduring classics, died of liver cancer at 10 a.m. yesterday at the Kidney Institute. He was 70. His enduring ballads -- all sad, sentimental songs about having loved and lost -- will forever be part of Filipino pop culture. Like his song says, "Ngayon at Kailanman."
Canseco's wake will be held at the Phil-Am Life chapel in Quezon City starting today. Interment will be announced later. The songwriter was diagnosed with liver cancer only last week. He is survived by three children-Carl, Rachel and Nancy, according to Dr. Ric Berbano, one of Canseco's sons-in-law. Canseco's wife Flora died of breast cancer in 1996. An older brother, Rafael, died of cancer of the pancreas on Nov. 10, according to another brother, Andring.
Canseco was also a councilor of the 4th district of Quezon City. He once said that he entered politics "just for fun," but ended up serving for nine years. The last time Inquirer Entertainment saw Canseco was on Nov. 12. He exchanged jokes with longtime best friend, record and movie producer Vic del Rosario, and insisted on having a picture taken with him. The picture was shot by songwriter Heber Bartolome, who also came to visit. Minutes after chatting with his friends, Canseco was brought to the hospital's intensive care unit. Shortly after Canseco entered the hospital for the last time, he called up Del Rosario, asking him to look into the George Canseco tribute that was being prepared by the Aliw Foundation. The songwriter had earlier asked Del Rosario to fast-track the event.
Canseco was also in the running for National Artist for music."I hope he gets it in this lifetime," Del Rosario said last week. Four decades of OPM Canseco's music career spanned almost four decades of pop music, interpreted by the country's top recording artists. He started writing songs when he was 20.
The first time he sold a song to a record label was in 1966. The song, "Kapantay ay Langit," was recorded by Amapola, and then by Pilita Corrales, who turned it into a classic. In 1978, Canseco wrote "Ngayon at Kailanman." The song, an undying paean to love, launched the solo career of Basil Valdez, one of the lead singers of Circus Band. Basil was one of his favorite singers. "Basil feels," Canseco told Inquirer Entertainment during an interview for a "Yesterday" feature last month. "He sings with his heart and soul." Basil also interpreted another classic "Ikaw," which Canseco wrote for his wife Flora.
Canseco's last recorded song was "Nasaan Ka Man," which he wrote for Martin Nievera's 2002 album. 300 songs "May ibubuga pa ako (I still have something to show)," he said in the "Yesterday" feature of Inquirer Entertainment. "That's why I am still alive. There are still songs I have to write-that's why I am still here." But in the same interview, he also said: "I can go anytime. I would have no regrets if I go now."
By his own estimate, Canseco had written about 300 songs. These were sung by Basil, Kuh Ledesma, Sharon Cuneta, Regine Velasquez, Pilita, Dulce, ZsaZsa Padilla, Leah Navarro, among other top singers. His collaboration with record producer Vic del Rosario, whom Canseco credited to have discovered him, had produced some of the best-selling record albums of Original Pilipino Music in the '70s and '80s, released under Vicor Music Corp. and Black Gold Records. Del Rosario now runs Viva Records.
In 1981, former first lady Imelda Marcos commissioned Canseco to write "Ako Ay Pilipino" in time for the inauguration of then President Ferdinand Marcos, who won another term in a snap presidential election he had called that year.
P1.5M for a song
Canseco said that Marcos paid him P1.5 million to write the song, which was interpreted by Kuh Ledesma. The song also became the theme for a bank's television commercial. The songwriter also brought honor to the country by winning in foreign music festivals. The song "Ako ang Nagwagi," interpreted by Dulce, lost in the Metro Pop Music Festival in 1978. But it brought home top honors for Canseco and the country from the Hong Kong Music Festival the same year. The following year, he bagged the grand prize in the Metro Pop Music Festival with the song "Ngayon," interpreted by Basil Valdez. He also wrote music for the movies and won countless awards for his scores. However, Canseco was not proud of his movie scores, because "not one of them stands out."
He composed his last film score in 1989 for "Paano Ang Ngayon Kung Wala Nang Bukas," which starred Kring Kring Gonzales and Ronaldo Valdes. He also wrote the movie's theme song, "Sana'y Wala Nang Wakas," sung by Basil. Canseco wrote jingles for radio and television commercials. Like his songs, these jingles were also timeless. A jingle for a cigarette commercial which he wrote in the '70s is still being used today.
Musical roots
He was the youngest of three children of Jose Canseco, a doctor of medicine from Cavite, and Ceferina Masangkay, a mathematician from Antipolo. Canseco did not have any formal musical training, although he studied piano as a young boy and learned how to write notes.He did not use any musical instrument to write his music. Instead, he played the song in his head and later wrote it on paper.
He also wrote lyrics for the songs of other composers like Willy Cruz, D'Amarillo, Amado Trivinio, Homer Flores, Ryan Cayabyab, among others. "I have this talent for imagining a situation and then writing a song," he said. Canseco revealed that he was crying when he wrote "Paano," which was sung by Pilita and Dulce. "He's actually a cry baby," screenwriter Bibeth Orteza described Canseco. "He's the most sentimental person I have ever known."
A graduate of journalism from the University of the East, Canseco worked as a journalist from 1964 to 1972. He was also an editor for the Associated Press and the Philippines Herald. But writing songs was his true passion. Through his songs, Canseco lives on.
George Canseco was one of the Philippines' greatest composers. He lived a very colorful life which is reflected through his songs. Below is an article I clipped from "The Inquirer" which hopefully will give you an idea of the man behind the songs which touched our lives.
First posted 02:32am (Mla time) Nov 20, 2004
By Nini Valera
Inquirer News Service
Editor's Note: Published on page A1 of the November 20, 2004 issue of the Philippine Daily Inquirer
GEORGE Canseco is dead.
The songwriter, who wrote some of Pinoy pop music's most enduring classics, died of liver cancer at 10 a.m. yesterday at the Kidney Institute. He was 70. His enduring ballads -- all sad, sentimental songs about having loved and lost -- will forever be part of Filipino pop culture. Like his song says, "Ngayon at Kailanman."
Canseco's wake will be held at the Phil-Am Life chapel in Quezon City starting today. Interment will be announced later. The songwriter was diagnosed with liver cancer only last week. He is survived by three children-Carl, Rachel and Nancy, according to Dr. Ric Berbano, one of Canseco's sons-in-law. Canseco's wife Flora died of breast cancer in 1996. An older brother, Rafael, died of cancer of the pancreas on Nov. 10, according to another brother, Andring.
Canseco was also a councilor of the 4th district of Quezon City. He once said that he entered politics "just for fun," but ended up serving for nine years. The last time Inquirer Entertainment saw Canseco was on Nov. 12. He exchanged jokes with longtime best friend, record and movie producer Vic del Rosario, and insisted on having a picture taken with him. The picture was shot by songwriter Heber Bartolome, who also came to visit. Minutes after chatting with his friends, Canseco was brought to the hospital's intensive care unit. Shortly after Canseco entered the hospital for the last time, he called up Del Rosario, asking him to look into the George Canseco tribute that was being prepared by the Aliw Foundation. The songwriter had earlier asked Del Rosario to fast-track the event.
Canseco was also in the running for National Artist for music."I hope he gets it in this lifetime," Del Rosario said last week. Four decades of OPM Canseco's music career spanned almost four decades of pop music, interpreted by the country's top recording artists. He started writing songs when he was 20.
The first time he sold a song to a record label was in 1966. The song, "Kapantay ay Langit," was recorded by Amapola, and then by Pilita Corrales, who turned it into a classic. In 1978, Canseco wrote "Ngayon at Kailanman." The song, an undying paean to love, launched the solo career of Basil Valdez, one of the lead singers of Circus Band. Basil was one of his favorite singers. "Basil feels," Canseco told Inquirer Entertainment during an interview for a "Yesterday" feature last month. "He sings with his heart and soul." Basil also interpreted another classic "Ikaw," which Canseco wrote for his wife Flora.
Canseco's last recorded song was "Nasaan Ka Man," which he wrote for Martin Nievera's 2002 album. 300 songs "May ibubuga pa ako (I still have something to show)," he said in the "Yesterday" feature of Inquirer Entertainment. "That's why I am still alive. There are still songs I have to write-that's why I am still here." But in the same interview, he also said: "I can go anytime. I would have no regrets if I go now."
By his own estimate, Canseco had written about 300 songs. These were sung by Basil, Kuh Ledesma, Sharon Cuneta, Regine Velasquez, Pilita, Dulce, ZsaZsa Padilla, Leah Navarro, among other top singers. His collaboration with record producer Vic del Rosario, whom Canseco credited to have discovered him, had produced some of the best-selling record albums of Original Pilipino Music in the '70s and '80s, released under Vicor Music Corp. and Black Gold Records. Del Rosario now runs Viva Records.
In 1981, former first lady Imelda Marcos commissioned Canseco to write "Ako Ay Pilipino" in time for the inauguration of then President Ferdinand Marcos, who won another term in a snap presidential election he had called that year.
P1.5M for a song
Canseco said that Marcos paid him P1.5 million to write the song, which was interpreted by Kuh Ledesma. The song also became the theme for a bank's television commercial. The songwriter also brought honor to the country by winning in foreign music festivals. The song "Ako ang Nagwagi," interpreted by Dulce, lost in the Metro Pop Music Festival in 1978. But it brought home top honors for Canseco and the country from the Hong Kong Music Festival the same year. The following year, he bagged the grand prize in the Metro Pop Music Festival with the song "Ngayon," interpreted by Basil Valdez. He also wrote music for the movies and won countless awards for his scores. However, Canseco was not proud of his movie scores, because "not one of them stands out."
He composed his last film score in 1989 for "Paano Ang Ngayon Kung Wala Nang Bukas," which starred Kring Kring Gonzales and Ronaldo Valdes. He also wrote the movie's theme song, "Sana'y Wala Nang Wakas," sung by Basil. Canseco wrote jingles for radio and television commercials. Like his songs, these jingles were also timeless. A jingle for a cigarette commercial which he wrote in the '70s is still being used today.
Musical roots
He was the youngest of three children of Jose Canseco, a doctor of medicine from Cavite, and Ceferina Masangkay, a mathematician from Antipolo. Canseco did not have any formal musical training, although he studied piano as a young boy and learned how to write notes.He did not use any musical instrument to write his music. Instead, he played the song in his head and later wrote it on paper.
He also wrote lyrics for the songs of other composers like Willy Cruz, D'Amarillo, Amado Trivinio, Homer Flores, Ryan Cayabyab, among others. "I have this talent for imagining a situation and then writing a song," he said. Canseco revealed that he was crying when he wrote "Paano," which was sung by Pilita and Dulce. "He's actually a cry baby," screenwriter Bibeth Orteza described Canseco. "He's the most sentimental person I have ever known."
A graduate of journalism from the University of the East, Canseco worked as a journalist from 1964 to 1972. He was also an editor for the Associated Press and the Philippines Herald. But writing songs was his true passion. Through his songs, Canseco lives on.
Thursday, October 9, 2008
Big Wigs in Finance- Where they are now...
There's a saying that goes "the bigger they are, the harder they fall..." very apt description for a lot of industry leaders in the financial industry.
I'm certain that they're still a lot richer than me but I still wouldn't trade shoes with them. I can't imagine that millions or billions of dollars can be lost by a person in a year... and I wouldn't want to imagine how it would feel like either.
I have one question though, if they'd lost their money, where did it go?
Here's a list of the financial big wigs and the estimated damage to their bank accounts
All I can say is ouch!!!!
Here in Manila, the famous fund manager CKP is in comatose. Let's pray for his recovery. His fund has performed poorly in the past due to bad market, bad luck and bad timing. It has cost a lot of people, including me a lot of money. Good people make bad decisions so I'll cut him some slack. I'm sure that he's feeling pretty bad because of the stress brought about by the bad financial environment.
On the other hand, the famous fund manager, who is also a writer for a popular spreadsheet here in Manila is still alive and kicking... I've learned a newbie lesson never to heed his advice again... When he tells people to buy his "stock picks" that's a signal for me to sell. This guy is heartless and takes advantage of innocent stock investors especially newbies. I have no respect for these kinds of people.
Anyway, it's hard to earn money from stocks because the market is really erratic. My advice is to be liquid. I've pulled out my money from the market last year and am really glad that I made the right decision. For those who are stuck, I wish you all the best... don't do anything rash. Remember, you can still earn what you've lost.
Life Directions Retreat
In today's fast paced world many are lost. Many don't know what direction their life should take. I admit that I was once a lost soul. I still lose my focus now and then but a little nudge in the right direction and I'm on the right path again.
A lot of us are not lucky to have all the great opportunities placed in a golden platter in front of us. In fact, most of us have to search for what we'd like to do with our lives. It's not easy. Some 40 something, 50 something, 60 something still don't know what their life's purpose is.
Life Directions Retreat is being held every year to guide people who want to rediscover themselves or discover their purpose in life.
Don't expect to immediately know where your life is going to after attending the retreat though. You need to open your heart and mind in order for the retreat to be successful and make the necessary lifestyle changes if need be. The success of this retreat relies 20% on the organizers and 80% on the participant.
*** I've been meaning to attend this retreat but their schedule always doesn't fit mine.
For inquiries, email lifesdirections75@gmail.com
or contact Tiff Batilo (0917 8612951) or Didi Paterno (0917 8440367)
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