FCM Issue #10 - Rebuild Yourself and Find Happiness by Filipino Canadian Magazine

FCM

IDEAS INSIGHTS IMPACT

CLARIFYING YOUR PERSONAL PURPOSE

REBUILD YOURSELF AND FIND HAPPINESS Rachel Jennifer Joson

THE HIGH COST OF NOT LIVING TO YOUR POTENTIAL THREE MISTAKES NEW BUSINESS OWNERS MAKE INCREASE YOUR INCOME THROUGH REAL ESTATE

Issue #10 filcanmagazine.com

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You want to make an impact on others You want to discover and fulfill your mission in life You want to live to your full potential You want to take action towards your goals You want to learn how to leverage your relationships You want to achieve your SUCCESS in life, career, or business You do not want to waste any more of your time

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FCM THE TEAM

FCM – FILIPINO CANADIAN MAGAZINE PUBLISHED BY | FICA Media Inc. EDITOR | Abel Pagaling CO-EDITOR | Annabelle Cayetano Pagaling MAGAZINE DESIGNER | Eric Cordero DIRECTOR OF SALES & EXPANSION | Arce Morales BDIC TEAM | Kathy Arellano, Caterina Diaz, Madeahl Yamyamin, Nue Hechanova PHOTOGRAPHY PARTNER | PROFOLIO PHOTOGRAPHY www.profoliophotography.com

Abel Pagaling

Jansen Banez

Abe Brown

CONTRIBUTORS FOR THIS ISSUE | Abel Pagaling, Abe Brown, Jansen Banez Muniba Waqar, Kathy Arellano, Arce Morales Valen Vergara, Lourdes Federis Disclaimer: The views and opinions expressed in FCM are not necessarily the views of the publisher. To submit an article to FCM, Email: info@filcanmagazine.com.

FCM - FILIPINO CANADIAN MAGAZINE FICA MEDIA INC. 207, 264 Midpark Way SE, Calgary, Alberta Canada T2X 1J6 Toll free: 1-888-844-1633 www.filcanmagazine.com info@filcanmagazine.com Facebook: facebook/filcanmagazine Twitter: @filcanmagazine Instagram: @filcanmagazine CEO | Abel Pagaling COO | Eric Cordero EXECUTIVE ADMINISTRATOR | Vicky Cordero SOCIAL MEDIA ADMINISTRATOR | Annabelle Pagaling FINANCE DIRECTOR | Juvanie Cabbab Bowen

ADVERTISING INQUIRIES Phone: 1-888-844-1633 advertise@filcanmagazine.com SUBSCRIPTIONS To subscribe, email: info@filcanmagazine.com Written consent must be obtained from the publisher to reproduce any of the contents.

Muniba Waqar

CONTENTS 11. The High Cost Of Not Living To Your Potential – Part 2 12. Clarifying Your Personal Purpose 14. Three Mistakes New Business Owners Make 16. Do You Have The Time? 25. Insights: Becoming A Business Owner 26. Increase Your Income Through Real Estate 30. Community And Women Empowerment 32. Pinoy Breakthrough Conference 2018! Ignite Leadership!

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Rachel Jennifer Joson:

Rebuild Yourself and Find Happiness By Kathy Arellano

Photo: Armand Flores of Profolio Photography

Pustura Creative Team Styling: Hanes Marasigan-Anotado Hair: Ernest Joseph Reyes Make-Up: Veronica Manulid

Arce Morales

Valen Vergara

Lourdes Federis

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MESSAGE FROM FCM

The High Cost of Not Living To Your Potential – Part 2 By Abel Pagaling

n Issue #9, I introduced the series of what it costs to not live to your potential. If you missed it, grab yourself a copy of the magazine or go to our website at www.filcanmagazine. com. In the next few issues, I will start the magazine on this topic to drive the message of the importance of living to your potential. The high cost of not living to your potential is not always easy to see. The daily routine of life has become a habit. However, if you pause for a moment and look at what you might be missing, you’ll quickly realize the cost of not living to your potential. Here are five major areas that suffer when we are not living to our potential: 1.

Financial Loss When was the last time you received a raise from work? If it’s greater than 3%, you’re one of the fortunate ones. If you currently make $50,000 a year, your 2018 paycheck will go up by $1,500 if you receive the full 3% raise. Factor in inflation and taxes and your raise won’t be felt at the end of the day. However, this is still better than 2017 which saw an average increase of 2.6%. This might sound like an improvement, but is it? Is 3% or even 5% an accurate measure of your abilities? Is there a possibility to do more and make significant gains in your income? Do you believe that a 3% increase is an accurate reflection of what you’re capable of year-afteryear? Imagine for a moment if you were able to increase your income by 20%, 30%, 50% or even double year-after-year. Would you be able

to save more or go on the trip you’ve wanted? What would an additional 50% or 100% increase mean for your children’s future? Here’s a quick analysis exercise on the financial cost of your not living your potential. Write down the amount of income you would like to earn this year. Subtract your current income to get your gross “potential” gain. Now multiply this by the number of your working years. The result is your potential gain without factoring in any year-after-year raise. To illustrate, here is an example: Yearly income: $80,000 Desired income: $120,000 Potential gain: $120,000 - $80,000 = $40,000 Number of working years left: 20 years Total “Potential” gain after 20 years: $40,000 x 20 = $800,000 Imagine losing $800,000 in your entire working life? Would $800,000 help your children and grandchildren, your church, or the community? This is but one illustration of the cost of not living your potential. On our next issue, I will focus on the next casualty of not living to your potential – The Loss of Your Creativity. Until then, enjoy another insight, ideas, and impactful stories filled magazine! Your coach, Abel Pagaling, NLC – Next Level Coach

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Clarifying Your Personal Purpose By Abe Brown

ust the other day, I was in a coaching session with a millennial where we spent a lot of time discussing her personal purpose. Deep in the heart of every person is a profound desire to answer questions such as, “Who Am I”?, “Why Am I Here”?, “What Was I Born To Do”?

There is a purpose that pulsates in the heart of every human being on this planet. We can suppress it, deny it, and mis-direct it, but we can’t eliminate it. Purpose answers the question: “Why were you born?” Now the fact that this coaching conversation happened to be with a “millennial” is not a reflection in any way of millennials as a whole. As a matter of fact, I have had the same conversation with senior citizens, boomers, and lots of members of “Gen X”, countless times. In my view, “millennials”, the generation who were born roughly between 1980 and 2000, get a bad rap today. Baby boomers took over the workforce when they came of age and made a huge impact. So, it is not a surprise that they raised their children to do the same. Millennials are streaming into the boardrooms and cubicles and coworking locations of the corporate world, and some baby boomer managers and leaders have responded with negativity and labels, rather than support and empowerment. Photo: Eric Cordero

Here are seven traits of millennials that every coach and leader should keep in mind:

Inclusivity. Millennials are capitalists in the truest sense of their

is a lie. They feel that the corporate world seeks to make you trade a job you hate for good pay and vacations. Millennials believe in worklife alignment and aligning their life passion with their career interests. This speaks to how practical millennials are, because really, who wants to spend 50-70 hours a week of their life investing in something they don’t believe in?

word. Everything, and everyone, is put up against the lens of adding value. Millennials don’t evaluate based on time but adding value. They seek to create space and open opportunity for all, regardless of skin colour, ethnicity, sexual orientation, or religious background. Loyalty. Millennials are extremely loyal. Millennials have more information at their finger tips than any other generation in history and so make their commitments based on a whole and authentic picture. The difference is that millennial loyalty is not blind loyalty.

Entrepreneurial drive. Millennials figured out early that big

Freedom. Millennials feel that if you learn something new that

Alignment. For many millennials, the concept of work-life balance

corporations and government don’t really have their back, and so they tend to think outside of traditional schedules and secure pensions. They are risk-takers, often interested in trying new things, and often open to innovation and disruption.

Mission and project focus. The endless grind does not work

for most millennials. Millennials come to work and seek to build their work-life in blocks or projects. They want a clear objective over an understood timeframe and solid deliverables, and when they achieve it, it’s a notch in their belt that can open future opportunities.

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you’re strongly interested in, why not chase it? Life is short, and most millennials aren’t interested in putting in 10 years at a job just because they think it will make their resumes look better.

Passion + Purpose are non-negotiable. Millennials chase

happiness. And for millennials, happiness is found in the search for passion and meaning. This is something most millennials have a deep understanding of.

In fairness, the question of passion and purpose is not that much different than the rest of us. There is a purpose that pulsates in the heart of every human being on this planet. We can suppress it, deny it, and mis-direct it, but we can’t eliminate it. Purpose answers the question: “Why were you born?” So, why do we need a purpose? •

•

Purpose Captivates our heart, attention, and focus. Without a clear sense of our Purpose, we will not reach our full potential. The laser beam of clear Purpose inspires us to clear out the clutter and live a disciplined life. The tragedy is that many who do not reach their full potential do not reach that potential because they invest too much time in areas where they have the least potential. If we really want to make a lasting impact, then we need to eliminate what we do well for the sake of what we can potentially do best. If you chase two rabbits, both will escape. Purpose Creates. One seed of Purpose inside of you contains the power of Creation itself. Within one seed is enough life to plant a forest, grow a farm, and feed a community. Within the seed of our personal Purpose is enough to Create rich and lasting fruit for ourselves, our families and all those we care about. Purpose Calls. Purpose can call us

to something higher than ourselves. Sadly, some of us have been conditioned to believe the lie that, “It’s all about me”. Purpose calls us to a higher way of living, not limited by a “me-centric” mentality. George Bernard Shaw wrote: “This is the true joy of life: being used up for a purpose recognized by yourself as a mighty one; being a force of nature instead of a feverish, selfish little clot of ailments and grievances, complaining that the world will not devote itself to making you happy.” •

Purpose Clarifies. Purpose is a wonderful thing because it becomes an internal GPS, a built-in guidance system that clarifies a path for you to specifically follow.

•

Purpose Connects. An amazing thing happens to us on the way to fulfilling our Purpose: we find others who are headed in the same direction and meet up for the ride! Purpose Connects us to the world around us and draws us away from a place of loneliness and isolation. The only thing more satisfying than living a life of purpose is doing so with others!

•

Purpose Completes. People who are in hot pursuit of their Purpose are generally happier and more complete than those who simply drift along. As Charles Allen said, “Miserable are the persons who do not have something beyond themselves to search for.” People who do not fulfill their

Purpose in life generally live with regret. They knew inside that they were more than they revealed. So, briefly, how do we discover our personal Purpose? • • • • •

Passion – what do you have a passion for? Ability – what do you do well? Personality – in what ways do you feel you fit? Opportunity – where are the doors open? Relationships – where is there synergy and resonance with people around you?

Millennials. Gen X. Boomers. Seniors. In the end, we are all just people, looking for purpose, seeking to make a difference. Clarify your purpose and embrace it. This is your place of power and productivity! ____________________________________ Abe Brown, MBA is the Coach’s Coach, and is the Founder and President of Momentum Coaching (https://www.momentumcoach.ca/coach/), Wellness Innovate Corp (https://wellnessinnovate.com/) and the President of the Certified Coaches Federation (https:// certifiedcoachesfederation.com/). Momentum Coaching focuses on leadership development and high-performance training. Wellness Innovate focuses on workplace wellness and psychological safety. The Certified Coaches Federation has trained and certified over 12,000 Life and Executive Coaches.

BusinessWise with Jansen Banez

Three Mistakes New Business Owners Make FCM welcomes the latest addition to our family of columnists Jansen Banez. Jansen has over 25 years of business distribution experience and currently holds a position of Western Canadian Business Development Manager with Pratts Canada Food Service. Here are his insights on mistakes new business owners make.

Photo: Profolio Photography

Not Doing The Homework – Lack of Planning

the location vacant for the last six months?” And he said the area wasn’t busy enough and that there was no traffic. So then I asked, “Why do you want to open in this location then?”

he first issue is not knowing their business. They need to know it from the ground up. They need to understand the business they are going to get into. Understand the cost implications. There are business owners who don’t do their homework. There are a lot more moving pieces to starting an operation. Businesses fail because of the lack of short-term and long-term planning which should include short and long-term goals. I have to be cautious sometimes when I hear a colleague or a friend who wants to start a business. You have to ask questions from negotiating a lease agreement with the landlord, to identifying fixed and the variable expenses, to creating a sales forecasting, to marketing, staffing, and labor. When potential business owners come to me, one of the questions I ask is, “Are you truly ready for the business?” Location is a big part of this too. I’ll give you an example of a business owner who wanted to open up a store in Calgary. I asked the question, “Why is Photo: Eric Cordero

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I think sometimes people jump into the idea of having a business for the sake of just having a business. They need to do their homework. They need to connect with the right people and right business partners with clear roles and expectations. They need to get coaching. And always look for opportunities to connect with the right people with the right skill sets to run, assist and manage the business, which could lead to either great or poor management, and will affect sales, operations, finances and cash flow and people management, You need to be unique and differentiate yourself from the rest - “what makes you different”? And always, always stick to your core values. There are smart owners out there who have done their homework, but there are also those who are eager to start something without fully educating themselves....always be curious. More importantly, you need Capital.

When potential business owners come to me, one of the questions I ask is, “Are you truly ready for the business?”

Not Clear On The Target Audience/ Customer You need to research your market, your competition, the financial feasibility of your concept, and more importantly your customers. I think the target audience sometimes becomes very clouded. You can’t be everything for everyone. One of the main purposes of starting a business is to become profitable and be successful at it. More often than not, not knowing who you want to target is one of the most important things of all. Your customer need be clearly defined Going back to the location, if you’re going to open up a store that is three times the size of what your sales are going to be, it’s a disaster waiting to happen. Moreover, if the location is situated in a most obscure, low traffic area. You’re not doing yourself, your customer nor the business any favors. For me, it’s really doing homework and the due diligence. And if they don’t know, then do research. Be SMART. Be insightful and be intuitive. Learn as much as you can about the business you want to get into, and most importantly the customers you are wanting to capture Once you have a following of loyal customers, it’s up to you to make sure you are at ground level listening and hearing their comments and feedback every step of the way. The last thing you want to do when you’re starting something new is failing at it. But at the end of the day, that’s just part of life. But don’t take on projects or business to fail. You need to do the right things to be successful. Your customers will help boost or fire you.

Lack of Marketing Know How Your personality is the single most important and cheapest way to market. There needs to be a mixture of confidence and humility. If talking about technical terms, you have to put funds behind marketing. That needs to be part of the budget. Whether that’s media or paper or signage. The biggest part of creating some buzz and excitement about your business is you go to market it.

You have to exhaust every possible avenue to market. And that’s where some of the connections can help. Your colleagues can help with putting the word out there. It doesn’t matter if it’s carwash or a restaurant, or a store or dentistry office. Marketing is a big part and there has to be a marketing component in the budget. Whether it is used or not. It can always be a slush fund at some period. But always keep a marketing budget. I’m A firm believer in marketing. I think marketing is the number one missed opportunity to increase brand recognition. I believe in marketing. Some companies do great marketing. I shy away from paper marketing. I find that one of the most effective ways to market is through LinkedIn. This is a professional forum. Instagram is the number one source of traffic when it comes to social media. Twitter and Facebook are also avenues. If I can stress, you need to have a very clear definition of the services you offer. Without a clear definition, you will be unable to effectively develop, market, and sell your services.

About Jansen Banez:

He currently holds the role of Western Canadian Business Development Manager with Pratts Food Service (www.pratts.ca), with primary function of prospecting, maintaining and retaining multi-unit business in foodservice segment. With 25 + years in sales, and former capacities as Senior Leader in the Foodservice and Retail industries, he oversaw departmental operations, yet considered customer service as his core responsibility. To this end, he has achieved numerous objectives to build a strong customer base and loyalty through programs promoting quality assurance. He has demonstrated proven leadership and in the past developed several systems, methods, and procedures conducive to effective and efficient operation. He thrives on driving results and a track record of achieving and demonstrating success in multi-million sales companies while providing continuous leadership in the fast-paced and competitive industry. His main objective is securing and building customer satisfaction and service level requirements and dedication to company standards and philosophy. He is tenacious in strengthening and building existing and new business, securing customer trust, networking and collaborating with external colleagues and business partners. (https://www.linkedin.com/in/ jansen-banez-54386069/)

“They need to do their homework. They need to connect with the right people and right business partners with clear roles and expectations. They need to get coaching.”

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Do You Have The

Time? By Muniba Waqar

ecently there have been a lot of studies popping up about how people that are chronically late are late because they perceive time differently. Generally, such people tend to juggle multiple things at once and seem to be under the impression that they have all the time in the world. Anyone observing such a person’s life would see them constantly scrambling to get things done, but the person observed doesn’t see it. However, what if time actually did flow differently for them? In 1905, Einstein came up with a theory called Special Relativity and from that stemmed the concept of time dilation. What is time dilation? Time dilation basically means that time is relative to

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gravity and velocity, that time can slow down or speed up if either of those variables are manipulated or altered. So, under the theory of general and special relativity, this would mean that time will slow down the faster you are going or the closer you are to a gravitational field (the stronger the gravitational field, the slower time passes). An experiment called the HafeleKeating experiment was conducted by physicist Joseph Hafele and astronomer Richard Keating. In the experiment, they took four cesium atomic clocks and placed them on planes, which they then flew around the world. An atomic clock uses the resonance frequencies of atoms to measure time instead of a mechanical system. The purpose of the experiment was to test Einstein’s

time dilation theory and for that they needed the clocks to be moving at high speed for a long period of time, so they flew the clocks twice around the world. Those moving clocks were then compared against other atomic clocks that had been kept stationary at the United States Naval Observatory. Sure enough, Einstein being the genius he was, was right. The clocks that were placed on the planes flying Eastward (in the direction of the Earth’s rotation) recorded less time than the ones that had remained stationary on ground. The clocks that were flown Westward (moving in opposite direction of the Earth’s rotation) ticked faster, due to the planes moving slower than the Earth. The effects of time dilation were minuscule; however, they were present.

It is important to note that the person who is experiencing the effects of time dilation does not start moving in slow motion, for them time is passing by as normal but someone observing from the outside in will see that person move slowly. Anything with mass has a gravitational pull. This is true of anything on this planet as well, including humans, but because we are so small our gravitational pull is almost non-existent. This is probably a good thing, otherwise we would be sucking all kinds of smaller things into our gravitational field and have random stuff orbiting us at all times. The magnitude of this finding could well translate into something far more incredible. The way we experience time is relative to the gravitational pull of the Earth and its distance from other objects with a gravitational pull. On the other hand, if we go through space, we will experience time in varying rates. However, what if the speed of our thoughts were also affected by time dilation? The brain is a computer every action that allows us to think, feel and process is made through electrical

firing of our neurons. Even though our neurons aren’t moving they are active and the rate of such activity could affect our perception of time. The electrical impulses that allow us to think have mass because there are electrons that are moving in order for us to think. Given that the fastest nerve impulse in the human body is approximately 270 mph, we can assume that human thought is formed at the same rate. Consider someone who thinks more thoughts than the average human on Earth; if you multiply 270 mph with the number of thoughts they form, then that person may be differently affected by time dilation than your typical individual. Our brain is a complex system and we are very far from understanding it; in fact, scientists are still figuring out how fast the brain thinks a thought. However, it’s possible that our brains are picking up on the slowing of time at a subconscious level. While we are physically unaware that time may have slowed due to its very minuscule shift in rate, our brain may notice. As such, people who are always late lack punctuality because their brain is accounting for the extra time, causing

them to set unrealistic goals. While we are still a long way from understanding our brains and whether or not it can actually pick up on the shift in time and whether a person who has a busier mind does in fact perceive time differently, there is one thing we could take away from the enigma of time. Time is relative and it’s real, not just an abstract concept. Science has proven that time is as real as light and gravity. This information has the power to transform our view of time - if we let it. You could let it worry you about how old you are and how many years it would take you to achieve a goal. Or you could let it propel you to act. Often, the difference between the winner of a race and second place is a millisecond. What is this moment's hesitation costing you? You decide. About Muniba Waqar:

APEGA Engineer In Training with an Electrical engineering degree from the University of Calgary. Experienced working as team lead in multiple projects and possesses strong interpersonal, communication, time management, project management, teamwork, and analytical skills. A passionate engineer, aspiring entrepreneur and professional writer. Email: muniba_waqar@outlook.com

“The brain is a computer every action that allows us to think, feel and process is made through electrical firing of our neurons.”

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Rachel Jennifer Joson:

Rebuild Yourself and Find Happiness By Kathryn Arellano

achel is a mother of three and is well known for her work as a successful mind and body fitness transformation coach. She is a Certified Personal Trainer, Nutrition and Weight Loss Specialist, a Certified Reiki Practitioner and is currently undergoing a Clinical Hypnotherapy Certification program. Rachel is a fitness, health and wellness entrepreneur. She was born and raised in Winnipeg, and now she is based in Calgary, Alberta. After becoming a widow and a single mom of 2 beautiful girls at the age of 28, she decided to rebuild her life and inspire her children and be the best role model for them. She created goals for herself which started with committing to a fitness competition to get her mental and physical health back on track and to get her body to the best it had ever been. Rachel’s ambition brought her to achieve top placement in her fitness competitions which earned her a Pro Fitness Model Card in Montreal in 2013. Then her career took off. She completed in World Pro competitions. She’s been featured in multiple online websites and print magazines such as top 100 hottest fitness models in the world in both “Inside Fitness” Magazine and “Status Fitness” Magazine. She landed her very first cover in Australia’s “Women’s Health & Fitness” magazine, March of 2015. Rachel’s passion is to motivate others. She started her first fitness business in 2013 in her private personal training studio. Her vision is to promote self-love and happiness. That same year, she married her childhood sweetheart, Justin Joson. They were blessed with a baby boy. Together, they are promoting “I love my life” through their new and growing business in Mahogany Village, Calgary, called “Oxygen Yoga and Fitness.” Rachel is a woman of strength and purpose. I asked her questions to know more about her and her amazing life journey.

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Kathy: What are your short and long-term goals? Rachel: My short-term goal is to get involved in more charity work and to surround myself more with other entrepreneurs to continue feeling inspired with ideas to get our business running smoothly and steadily. Steady to the point that we are able to create more financial savings for the business as well as personally. I would like to build another location in the next year and have more flexibility to travel with my husband and kids to create amazing memories of experiencing culture together. Iâ&#x20AC;&#x2122;m excited to see everything and to continue checking off my bucket list! Long term goals I just want to create a wonderful life story with my husband that will impact our kids in a positive way as they create theirs. A story that will inspire them to live their dreams and not be afraid to take risks. Most importantly I wanted to show them that even when your world falls apart, you can still rebuild yourself and find new happiness. Life goes on and you have to live it with love! That is what our souls journey is all about. Photos: Profolio Photography

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Kathy: How did you end up franchising an Oxygen fitness business? Why Oxygen fitness? Rachel: It’s really funny because I remember just having a simple thought years ago that it would be cool to find a new, up and coming franchise that I could be a part of. I was really interested to know what franchising was all about. I just needed to find the one that shared the same goals and passions of the things I loved. Interestingly enough, it was in the spring of 2014. I decided to take a trip to do a photo-shoot with a photographer that I had on my bucket list for years in the USA, and on that trip I planned an extra stop to Miami before I came home. I took that 2-day stop for my own true inner reflection of what I wanted to do. I wanted to take the time to ground and recenter myself. I knew that I needed to have a moment of solitude to really refocus my heart and intentions on what I wanted to accomplish for myself over the next couple of years. I remember sitting on the beach thinking about all of the things I was grateful for, then I started writing down the things I needed to change in my daily life, and any ideas of what I thought I wanted in my next business venture. What I wrote down for "business and career" was that I wanted a business that wasn’t just focusing on bettering your body image, but a place that had focus on mental peace and spiritual wellbeing. A place that created more happiness from within while showing a more balanced approach to healthy living. Then in 2016 a good friend of mine had finished taking a yoga teacher training course in Vancouver and became a yoga instructor. During this we were introduced to a new

trendy and modern business that was very popular in Vancouver, B.C., the studio that he taught classes in. Almost at the same time, my Mom had also told me about the same studio so it instantly spiked my curiosity to find out what Oxygen Yoga & Fitness was all about. So while visiting family in Vancouver later that year, I went to visit one of the locations to see what is was all about. Almost immediately I fell in love, I really liked the vibe and the concept of the business. I realized as I learned more about it that it really fit into the description of what I had written in my dream journal back in Miami. What I loved about this business was the variety of classes that it had to offer in one place. It was yoga, it was fitness, and it was a whole fusion of the two inside a FAR infrared heated room! The combination amazed me with all the benefits. I think that the body needs to be consistently stimulated by different types of movements, strength training and intensities in order to avoid plateau and achieve the best results. There is a class for every aspect of fitness and wellbeing, from restorative yoga to butt-kicking fitness classes. At the end of every practice, I really loved the idea of using positive affirmations and the motto “I Love my Life”. While at first it may seem kind of cheesy, after hearing it over and over again you really start believing in yourself by being reminded of the good things that you have at that moment, even when life seems that it is not at its best.

Photos: Profolio Photography

My vision for the studio was just to create a fresh, beautiful modern space for everyone to love coming into every day, as much as my family and I would. A place full of good energy, amazing instructors that had a passion to teach. A place where people could free themselves of every day stress and feel great when they leave. | FCM | filcanmagazine.com | Issue #10 | 2018 |

Kathy: In regards to your business, what techniques would you employ to increase your clientele? Rachel: My only technique is doing everything from the heart. I believe in putting good and honest intentions into everything you do, especially in creating a happy and welcoming place for everyone to enjoy. To add, I feel that being personable, and creating good relationships with people in and outside of our studio, is very important. I want everyone to feel

like friends and family - more than just a member going in and out. Getting to know everyone is the absolute favorite part of my job! Iâ&#x20AC;&#x2122;m always amazed at all the inspiring stories I hear when learning about all the wonderful the people in the studio. Building relationships on a more personal level allow me to genuinely help support their fitness goals while keeping them on the path of success to good health. It really fills my heart to learn about the strength people have with their own types of battles. It is in these relationships that contribute to a major part of what builds the love, motivation and positive energy in our studio.

Kathy: How important is nutrition to you? Will you strongly suggest your clients follow a better diet to improve their fitness goals? Rachel: Nutrition is incredibly important to me, especially when it comes to my family. I want to lead by example especially for my kids as they are soon hitting teenage years. I want them to understand what a healthy diet actually means and what being healthy is really all about. Often I find that a big misconception about "dieting" is misunderstood to cut down on what you eat, sometimes people think to simply â&#x20AC;&#x153;notâ&#x20AC;? eat or they even think to restrict certain types of foods. While this may cause some temporary weight loss, is not very healthy and it is detrimental to your health. When I was competing in fitness competitions to get very lean, people would think that I literally ate nothing - but the truth is you have to eat lots of food to first build muscle tone and secondly to kick-start your metabolism. It is a combination of both to achieve any body goals. Every time I cook, I make sure to make healthy balanced meals, when I bake I like to experiment using more natural ingredients rather than processed foods and chemicals. I also teach my family to enjoy the not so good foods and snacks in moderation or I just recreate a healthier version for us to enjoy. In the end, the importance of nutrition attributes to 90% of what makes fitness goals a success! When it comes into conversation about diets and nutrition in our studio I like to give advice because I want to make sure that our clients have the best experience when they choose to commit to their health. Educating in nutrition goes a long way in removing feelings of frustration and feeling like they are getting nowhere with the efforts they are making. I love being able to share my knowledge because I am a lover of ALL food and I am passionate about living healthy, very happily. Being healthy does not have to be boring!

Photo: Profolio Photography

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Kathy: How do you balance being a wife a mom and a successful business owner? Rachel: My husband is a huge part of what helps me stay balanced. That is one of the very many reasons why I married him! He truly balances me. I wish I could say that juggling being a wife, a mom and business owner was a piece of cake, but it definitely has its many challenges! When we first opened our studio doors my husband, kids and I were forced to make a lot of tough and quick adjustments. Opening Oxygen was a big step up from my last business and it took a lot more time away from my kids, my husband, our home and even time for myself. At that time we were really blessed to have my Grandmother and Father-in-law step in to stay in our home periodically to help us with our kids and cook food for us for the first few months. Which I am extremely grateful for. Work was definitely tipping the scale and I wouldn’t have eaten very much if it weren’t for them. But over time I started to feel like I was starting to fail the two most important roles of my life. Being a Wife and a Mother. I wasn’t home to do the all the things I used to do for them because life was just so busy. That was one of the worst feelings. I knew at that point that I needed to make some changes in order for me to fulfill those roles. When something is wrong you just have to acknowledge it, and take the time and effort to fix it! I was on a mission to find that balance! So what did we change? My husband and I enforced daily “teamwork” in our home with our kids and it has worked wonderfully. We are so lucky because our kids are so willing to help keep our home clean when we are busy. They take responsibility to get their homework done, and take time to organize things, do laundry, help with their younger brother, and they even surprise us with fresh baking, which is a bonus! Sometimes I feel like I’m spoiled, and maybe I am. But I definitely love it! Our kids are amazing! Photo: Profolio Photography

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w w w. l i f e s a v e r s c a n a d a . c o m

WORKPLACE FIRST AID

CPR/AED BASIC LIFE SUPPORT (BLS)

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FOOD SAFETY TRAINING

Insights: Becoming A Business Owner By Arce Morales

“If you want something you never had, you have to do something you’ve never done.”

ebruary 2008, I arrived in Canada. At that time, it was the happiest time of my life. I thought this is the start of the better life for my family and for me.

I worked two to four jobs, and never took a day off! Every hour is important. Every hour means a chance to earn money. I came across with this quote somewhere, and I realized, that’s right! I’ve been doing the same thing for the past four years. My life is better that’s for sure, but is this what I want? To work on somebody else’s dream? So when I got a chance to start my own business in a farmers market where I worked before, I took the opportunity. How did I start? I ask myself these questions: 1. Am I ready? Starting everything from scratch means being hands-on. Try to do everything on your own to save labor cost. Do you have the commitment and time? In my case no weekends, no holidays, and no vacations. Do you really want to do this or its just an impulse? I have met some people that give up after a few bumps. Having a business is a bumpy ride, you need to learn how to handle every bump you come across. 2. What can I sell? Thinking of idea can start from a variety of ways. Some start with what they love to do in. Some look for what’s missing in the market. Working in the farmers market, I see the demand in gluten-free and dairy-free products. And that’s what I did. I choose the demand. My friend helped me to make a recipe for two items that I would be selling. Yes! Two items. For at least two years, I have two products only. The key is specialization. If people know you for specializing in a certain item, you will be known for that, and the moment you add more product, they already trust your specialty. 3. Do I have the capital? We have savings, enough to start. But for a few weeks, I still worked, actually 2 jobs, until the business is stable. You need to have a plan b, a safety blanket. You trust the business that is why you go for it, but you got bills to pay too, and those bills won’t wait

for your business to become profitable. You need to be mentally and emotionally ready that some business blooms overnight, but most needs time to grow. It might take a few weeks, or a few months to see the result. 4. What are the things I need to secure? This one depends on what is your business. Thanks to my experiences working with different food businesses, I have an idea of what to have. I get my trade name, I took a food service certificate, applied for food handling permit and business insurance. 5. Where can I get my supplies and product ingredients? Although Google is a great help on this one, negotiating and continually asking around is still the best tool. I searched all the suppliers I know to find for the best deal and best quality. I visited their store one by one. This one is constantly changing, you always try to innovate, so you always need new supplies and ingredients. You are also looking for a better supplier. 6. How can I be better? Be friends with your customers, and build a relationship. Know their names and what product they usually get. Also, I always think of new things to offer. Think of ways to make your product better. Think of things to keep your regular customer coming back every time. Listen to the customer's comments and feedback and always think of ways to improve your product and services. | FCM | filcanmagazine.com | Issue #10 | 2018 |

Increase Your

Income Through Real Estate By Valen Vergara

ndicators show that more than a quarter of Canadians are considering purchasing real estate as a means to increase their income. The likelihood that you will be involved in a real estate transaction and own property one day in Canada is higher than most other areas in the world. If you hold a mortgage you are actually investing in real estate, and therefore, you are a real estate investor! There are many reasons why getting started in real estate is a great decision. If you are stuck, and uncertain if you should start investing, here are reasons that should help you get “unstuck.” Real Estate Has Cash Flowed For Centuries Creating an income by way of land ownership and property has been common practice for centuries. Feudalism was a combination of legal and martial customs in medieval Europe that flourished between the 9th and 15th centuries. It was a system of structuring society around relationships in terms of the holding of land in exchange for labour and service roles. Sound familiar? Thought so! Not much has changed in that civilization presently runs along these lines. Renting out land and real estate is one of the oldest forms of entrepreneurship out there! Back then, nobility owned the vast majority of territory. Plebeians paid Kings, Queens, and Lord's rental income to take residence and was tasked with maintenance and bestowed with the responsibility of caretaker. The overclass ruled the underclass in this manner. Today, even though the wealthy own a lot land

| FCM | filcanmagazine.com | Issue #10 | 2018 |

and property, it is a different story, whereby any person can own land and property if they just have enough of a reason! Other People’s Money (OPM) If you think you cannot afford to purchase real estate you need to find someone who can. This is when you use borrowed funds by people to raise the return on an investment. For instance, leveraging borrower funds to purchase real estate supply on margin. The borrower now can use these funds on credit and structure repayment terms. Generally, the payment schedule is one of two structures. The first can be a fixed preferred return in which the lender receives a flat interest rate before the borrower receives any profit. The fixed preferred return can be paid per annum (yearly), disbursed monthly. For example, if a lender charges the borrower 1% per month on any unpaid balance, the per annum rate is 12%. Secondly, the borrower may extend the opportunity for the lender to take part in an equity split partnership where the lender and the borrower share cash flow that results with an income property after all expenses, mortgage pay down, and equity appreciation. Either way, both parties can take advantage of real estate investments in this way and form a joint venture agreement. This is when a “money partner,” and a “working partner,” work in tandem and invest in real estate operating under specific terms and conditions.

Risk And Reward For the most part, unlike investing in stocks or securities, real estate investments can lower your risk-adjusted return.

a home they most likely will be able to come up with a damage deposit for rent. So living services are an invaluable commodity to all socioeconomic groups.

Your risk-adjusted rate of return is improved by calculating how much risk is involved in generating a return. This is represented by a numerical rating. The risk-adjusted rate of return is factored after carrying out a risk assessment with regards to your investment over a predetermined time horizon.

Having land and property means you can add value to the economy where it is needed most. Owning land and property and forcing appreciation into your investments can cause gentrification. Gentrification is what happens when an area appreciates in value and undergoes urban renewal and community economic development.

Correspondingly, when comparing the same risk categories with many other investment classes, statistically, real estate has a lower growth risk and a better risk-adjusted return or comparative performance.

The value of real estate will always remain because shelter is a basic necessity! Many would say it is a human right. All in all, you can get started in real estate, and these reasons and others lend a helping hand to do so. You can make reasons not to get involved in real estate or allow the right reasons to get you going.

Taking into account different real estate cycles, the act of simply holding on to real estate can create a higher return just by marketplace appreciation, without any danger of overall portfolio risk. Now that is a reason for the season! Necessity Driven Real estate investments are physical assets. Tangible. Everyone needs a place to live. So investment properties are always in high demand.

However, you canâ&#x20AC;&#x2122;t do both. Valen Vergara Co-Founder & COO Aureum Energy Corporation 3225 McLeod Dr Ste 110, Las Vegas, NV 89121 United States vvergara@aureumenergy.com www.aureumenergy.com

If someone does not have the down payment to purchase

â&#x20AC;&#x153;The value of real estate will always remain because shelter is a basic necessity! â&#x20AC;&#x153;

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Nonie Antonio

Johanna Balbiran*

Catalina Boulton B.S.C.S

nonie.antonio@sunlife.com

johanna.balbiran@sunlife.com

catalina.boulton@sunlife.com

MBA maria.cabanting@sunlife.com

Katherine Luzung

Vel Marquez B.S. Comm

Katherine Moraleda* B.Sc.Math.

Stephen Naromal*

Gladdys Obina BBA

katherine.luzung@sunlife.com

vel.marquez@sunlife.com

katherine.moraleda@sunlife.com

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Calgary Chinook Financial Centre

Tel: 403-266-2061 www.sunlife.ca/calgary.chinook 5980 Centre Street South Calgary, AB T2H 0C1 28

*Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc. | Company FCM | filcanmagazine.com Issue #10 |group 2018 Sun Life Assurance of Canada is a member of the|Sun Life Financial of | companies. ÂŠ Sun Life Assurance Company of Canada, 2018.

Maria Cabanting*

Glenn Cubero* glenn.cubero@sunlife.com

Wherever you are in life, strengthening your plan today will help give you and your family a brighter tomorrow.

Alvin De Leon

Rey Factura

Ryan Granadozin

Joan Lopez

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rey.factura@sunlife.com

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Gerard Feliciano*

Jessie Buley*

Mary Pinter* BSBA, CHSâ&#x201E;˘

Nerma Ylanan BA

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Associate Manager

Senior Associate Manager

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Life in Canada with Lourdes Federis

COMMUNITY AND WOMEN EMPOWERMENT Lourdes Federis is a well-known community organizer and leader in Winnipeg, Manitoba. Her focus is on multicultural events and in connecting the mainstream market with ethnic groups, particularly the Filipino-Canadian groups. We asked Lourdes questions about her company, community, and her thoughts on Women Empowerment.

CM: Tell us about you? Where you're in the Philippines, your educational background, and your journey to Canada?

Am from Caloocan. I graduated BS Fine Arts major in Advertising at Far Eastern University, but before that, I took Architecture before shifted to Fine Arts. My journey to Canada started when I was still University when my uncle who went for a vacation from Winnipeg offered that he is willing to help me get there. And due to lack of guidance and not understanding the system in applying as a provincial nominee, I didn’t make it. My next and final attempt came after I gave birth to my first child, this time my first cousin guided me in my application, and luckily we passed and was even able to bring my whole family w/ me. FCM: How did you get involved in the community? I got involved in the community only last year when a Filipino nonprofit organization hired me to organize a community event, which I had never done before. I only did corporate events with a maximum of 100 attendees, and I was tasked to organize an event which will attract thousands of people. That was an overwhelming challenge for me. But I didn’t hesitate, and grab the opportunity to do the first Filipino Food Festival called FOOD-O-RAMA. FCM: When did you start LuComm and what inspired you to create it?

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My first job forced me to look into marketing to promote our brand, but it was not until after two years did I decided that this is what I wanted to do. In my desire to grow as a graphic designer, it lead me to this path. And when the 2013 Canada census came out, that’s what gave me a specific direction, which is Multicultural Marketing which means targeted marketing efforts are directed towards specific, clearly defined, ethnic groups, in my case it's obviously the Filipino communities. LUCOMM or Lu Communications and Multicultural Marketing recognized the need for more culturally diverse marketing in both TV, online and print. It’s also evident that a good number of Canadian marketers remain blinded to the potential of the country’s growing immigrant communities. The so-called ethnic market is still filled with all kinds of gaps, but relatively few marketers, especially mainstream corporate Canada, have jumped in. My goal is to bridge the gap between the mainstream & the ethnic consumers and vice versa.

FCM: Tells us about the events that you've done or have been involved in.

FCM: How is LuComm compensated for doing all these hard work?

Since I started last year, I already produced four community events: - Food-o-rama (Aug. 6-7, 2016) is the first Filipino Food Festival and a celebration of Winnipeg's culinary diversity. It is a two-day festival attracting top industry professionals, restaurateurs, chefs and all food aficionados alike from different ethnic groups. Visitors to the FOOD-O-RAMA had an exceptional experience – to taste, buy, meet Chefs, Artisan Producers, and learn more about food and beverages and the culinary arts. Other exciting events in the Food-o-rama also includes Eating Contest like "Boodle Fight" (is a military style of eating where long tables are prepared and food are on top of the banana leaves) Eating Challenge for non-Filipinos with Balut (developing bird embryo that is boiled and eaten from the shell), Cooking Challenge that includes the Student & Professional Category and the Adobo Cooking Challenge for Home Cooks. Plus we had speakers from Winnipeg Compost and Entrepreneurship Manitoba to give educational information about composting and how to start a food business.

We are compensated through our generous support of our sponsors.

FCM: How do sponsors benefit from your events? Building trust is essential to connecting with immigrant groups. By sponsoring events within the community you’re targeting, you’ll position your brand as a supporter of that community and gain a chance to talk to people first-hand about their needs and how you can meet them. We are experiential and event marketing experts who deliver key brand messages and engage multicultural communities at a grassroots level. We create and tailor event activation programs to suit our clients’ unique wants and needs, and our team of multilingual brand ambassadors communicate and engage with the community on a one-on-one basis. We help our clients to target specific individuals, groups and cultures at gathering spots, to deliver the best event experience and drive customer engagements. More than brand exposure and interact with our targeted audience, we make valuable connections and increase our clients’ local stores and web traffic.

FCM: Are there different packages you offer to sponsors? Or can they create their own package? We work with our clients to design and implement marketing and communication strategies that best suit their needs. We also make it very simple and straightforward, but at the same time flexible. FCM: How does the community benefit from LuComm's projects? All of LUCOMM events has partnerships in the community. The community benefits from LUCOMM directly through partnership, wherein proceeds are being donated to specific organizations, or we help them in promoting their fundraising activities. LUCOMM has also developed the Mabuhay Welcome Package, which is a specially designed welcome package for the Filipino community filled with deals and savings that are of immediate and valuable use to newly landed immigrants which is being given away for free each month. Along w/ the distribution is also an info session by a Tagalog-speaking speaker from different industries such as Banking, Insurance, Settlement Services, Jobs and more. FCM: What is your advice for sponsors regarding sponsorship of events? There are huge potential ROI that sponsorship can bring to a business marketing programs. My advice to sponsors are: Look for events that match your target audience demographics and interests. Look for events that offer value-driven sponsorship packages. Look at the other sponsors. Look for the right mix of value and exposure. Look for events with returning sponsors who come back after their first year. FCM: You're a mom, but you're very much involved in the community. How do you carry out work-life balance? I am very blessed to have a very supportive

family, friends, and community. But most of all, all of these came at the right time. A big part of balancing career and motherhood is all about “PRIORITY.” Once you have a daily system on which you can do all the things that need to be done starting from what matters the most on that particular day. The reason I also managed to keep myself fit and healthy is I know that my health has to come first, without it, I cannot do anything. FCM: How important is women empowerment to you? Very important. I believe we are all given gifts and talents to be successful, according to our own capabilities. It is up to us how to acknowledge, accept and act on it. I want to send a strong message to all woman, who limits themselves because they are a mother. Do not let “motherhood” take away your dreams and aspirations, instead use it to inspire yourself. Do not let our children be an excuse why we can’t go to the gym (no babysitter, kids activities), but let us think of them, why we should go to the gym (to live a long, healthy and happy life) FCM: Why is it important for women to pursue their goals? Whether your a man or woman, it's very important to pursue your goals. It's just more challenging to do it when you are a mother. Its all about making that decision. When we can incorporate our passions into both our careers and our lives, we get to experience the ultimate benefits. Our passions are meant to be discovered, pursued and used. They were never meant to lie dormant or be hidden under a rock! FCM: Your advice to women who might be wanting to venture on their own. ”If the opportunity doesn't knock, build a door" - Milton Berle, which means that if you don't come across the opportunity you want, you have to take the initiative to increase your chances of getting that opportunity. You can choose how much and how drastic of an action you want to take to get that opportunity, it could be anything from self-improvement to networking, but you still need to take that action to attain the opportunity.

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PINOY BREAKTHROUGH CONFERENCE 2018! IGNITE LEADERSHIP!

nother successful Pinoy Breakthrough conference was held in Calgary this year! This was the second Pinoy Breakthrough conference in Calgary. Speakers from Manitoba, Saskatchewan, Lethbridge, and Calgary gave a crowd of 200 people amazing insights in personal development, business, and building relationships. The event started with the singing of the national anthems of Canada and the Philippines. Followed by a set of speakers in the morning. The attendees were then treated to a buffet for lunch from numerous sponsors. The afternoon was filled

with more speeches and a panel discussion by five panelists. The event ended with a mind-calming meditation and relaxation. “We doubled the attendance from last year,” said Abel Pagaling, one of the creators and a speaker of Pinoy Breakthrough. “That’s a good sign. It means people now know about the event.” The event was not just attended by Filipinos. “I love the fact that there were a lot of non-Filipinos who attended this year,” said Abel. “Pinoy Breakthrough is not just for Filipinos. It’s for anyone looking to take their personal, business, or relationship game to the next level.”

Panel Speakers: Valen Vergara, Michael Siervo, Loyd Cabael, Angie Ostojic and Abe Brown

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Abe Brown

Pinoy Breakthrough Conference 2018 was a success, thanks to all the sponsors, speakers and organizers of the event. “I never expected that we’d have another Pinoy Breakthrough, but it happened. When people are willing to help each other, great things are accomplished,” said Abel. “I want to thank the organizer of the event, K Events by Kathy Arellano. She did an amazing job coordinating all the moving pieces.”

Abel Pagaling

The event was hosted by cocreators of Pinoy Breakthrough – Dave and Roxanne Obiso. Consul. General Gilberto Asuque

Marife Pamintuan

Angie Ostojic

The speakers were: Jerry Caingcoy Abe Brown Angie Ostojic Marife Pamintuan Valen Vergara Julia Lim Lloyd Cabael Michael Siervo Glorife Cocjin Isagani Fabi Abel Pagaling “Perhaps, one of the highlights of this year’s event is the attendance of The Philippines’ Consul General - Gilberto Asuque,” said Abel. “It’s an honor to have him in the event. And for him to give an impromptu speech… that made the event that much more impactful to the community.”

Jerry Caingcoy

Valen Vergara

Lloyd Cabael

Kathy Arellano

Isagani Fabi

Michael Siervo

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Dave and Roxanne Obiso

Glorife Cocjin

ANCOP Canada, Ernie Cancio

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