OFW ako Magazine ONLINE Edition Issue 010 by OFW ako Magazine

otherwise known as the

The Cybercrime Prevention Act of 2012

MAGAZINE

INSIDE:

Republic Act No. 10175 Holistic Health Approach by Eden R. Manabat........ page 32-43 OFW ako Galleries: Featured Photo ...................... page 46-47 Proud owners of OFW ako T-shirts ........................ page 48-49 Community Directory ................................................... page 51

OFW ako Magazine joins the Filipino people in protest against the UNCONSTITUTIONAL provisions of

PHL cybercrime law outrages netizens ...................... page 2-8 The Best Man in my Life: My Father; my Hero........ page 12-19 Anitaâ&#x20AC;&#x2122;s Kitchen: Chicken Binakol............................. page 20-21 Perang Pang-negosyo by Peter Allan C Mariano .. page 23-27 Good-looking people earn more? ......................... page 30-31

October 2012

ONLINE Edition Volume 01 Issue 10

PHL cybercrime law outrages netizens

para sa PA M I LYA

Source: GMA Network News; September 29, 2012

ORIGINAL article can be found here: (http://www.gmanetwork.com/news/story/276136/scitech/technology/ phl-cybercrime-law-outrages-netizens)

MANILA — A new cybercrime law in the Philippines that could see people sentenced to 12 years in jail for posting defamatory comments on Facebook or Twitter is generating outrage among netizens and rights groups. The stated aim of the cybercrime law is to fight online pornography, hacking, identity theft and spamming in the conservative Catholic nation amid police complaints they lack the legal tools to stamp out Internet crime. However it also includes a blanket provision that puts the country’s criminal libel law into force in cyberspace, except that the penalties for Internet defamation are much tougher compared with old media.

It also allows authorities to collect data from personal user accounts on social media and listen in on voice/ video applications, such as Skype, without a warrant. Teenagers unwarily retweeting or re-posting libelous material on social media could bear the full force of the law, according to Noemi Dado, a prominent Manila blogger who edits a citizen media site called Blog Watch. “Not everyone is an expert on what constitutes libel. Imagine a mother like me, or teenagers and kids who love to rant. It really hits our freedoms,” Dado told AFP. Compounding the concerns, those teenagers or anyone else who posts a libelous comment faces a maximum prison term of 12 years and a fine of one million pesos ($24,000).

Staff Box OFW ako Magazine ONLINE Edition is published by

OFW ako

61 Kamagong Road, Pilar Village, Las Pinas City, Philippines +63 949 776 9282 * admin@ofwakomagazine.com Editor-in-chief: Dennis de Guzman * Country Editor(s): Mae Cayir (Austria); Emmanuel C. Roldan (Philippines); Eden R. Manabat (Russia); Dev Guintab (Israel); Raquel Padilla (Canada) * Contributors: USA Anita Schon; Philippines Alvin Tabanag, Peter Allan C. Mariano; * Layout & Design: Dennis de Guzman

Articles, opinions, letters to the editor should be sent to admin@ofwakomagazine.com

While harsh criminal libel legislation remains in force in other parts of Asia, Dado said the Philippine law sent the wrong signal in a country that overthrew the military-backed Ferdinand Marcos dictatorship just 26 years ago.

Dado, a lawyer’s wife known in the local online community as the “momblogger”, is among a group of bloggers and other critics of the libel element of the cybercrime law campaigning for it to be repealed.

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Meanwhile, newspaper editors and other trained professionals in traditional media face prison terms of just four years and fines of 6,000 pesos.

Brad Adams, Asia director for New York-based Human Rights Watch, said the law was having a chilling effect in the Philippines, which has one of the world’s highest per capita rates of Facebook and Twitter users. “Anybody using popular social networks or who publishes online is now at risk of a long prison term should a reader -- including government officials -- bring a libel charge,” Adams said.

About a third of the Philippines’ nearly 100 million people use the Internet, with 96 percent them on Facebook, according to industry figures.

Five petitions claiming the law is unconstitutional have been filed with the Supreme Court.

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PHL cybercrime law outrages netizens ... continued from page 3

Senator Teofisto Guingona, the lone opponent when the bill was voted on in the Senate, has filed one of the petitions to the Supreme Court.

such as the United States and Britain where defamation is now punished with fines rather than imprisonment, Roque said.

“Without a clear definition of the crime of libel and the persons liable, virtually any person can now be charged with a crime -- even if you just re-tweet or comment on an online update or blog post,” Guingona told the court.

Amid the public backlash, some of the senators who voted for the cybercrime law have started to disassociate themselves from it, even claiming they did not read the provision on libel.

“The questioned provisions... throw us back to the Dark Ages.” The five petitions all say the law infringes on freedom of expression, due process, equal protection and privacy of communication. University of the Philippines law professor Harry Roque, who filed one of the petitions, said the Philippines was one of a shrinking number of countries where defamation remained a crime punishable by prison. Part of the penal code that was drawn up 82 years ago, it goes against the trend in many advanced democracies

However presidential spokesman Edwin Lacierda has defended the cybercrime law. “The Cybercrime Act sought to attach responsibilities in cyberspace.... freedom of expression is always recognized but freedom of expression is not absolute,” he told reporters on Thursday. Nevertheless, Lacierda said the law could still be refined. He called for critics to submit their concerns to a government panel that will issue by the end of the year specific definitions of the law, such as who may be prosecuted. — AFP

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VOICES of Protest from Cyberspace against Republic Act No. 10175 otherwise known as the The Cybercrime Prevention Act of 2012

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VOICES of Protest from Cyberspace against Republic Act No. 10175 otherwise known as the The Cybercrime Prevention Act of 2012

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PHILIPPINES

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Vacation with my Family is more fun in the

Enjoy life. Enjoy the beach. Enjoy the sun. Have lots of fun at Balay OFW

The Best Man in my Life My Father; my Hero

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ni Maxim Laus Pallarca (Singapore)

SERTIPIKADONG ANAK MAGSASAKA! napapangiti ako kapag binabansagan ko ang aking sarili ng katagang iyan...Unang pumapasok sa aking isipan ang aking PINAKAMAMAHAL NA AMA isang SIMPLENG TAO NA MAY PUSONG NAG-UUMAPAW SA PAGMAMAHAL.Lumaki ako nagkaisip at natutong mangarap sa isang baryo na ang tanging ikinabubuhay ng karamihan ay ang PAGSASAKA! Kaya naman naging napakalapit ng puso ko sa kalikasan maging sa mga hayop na una kong naging mga MATALIK NA KAIBIGAN.Pangatlo ako sa apat na magkakapatid sa isang munting bahay kubo sama-sama kaming nangarap na balang araw makakaahon o makakaangat din kami sa kahirapang aming kinamulatan. Sa murang edad nasaksihan ko ang labis na pagsisikap ng aking ama upang kami ay maitaguyod mabigyan kahit konting edukasyon... napakasimple ng pangarap nya sa buhay.Ayon sa kanya magiging

napakasaya na nyang magulang kung mapagtatapos nya kami ng High School.Natupad naman yun at alam kong labis pa sa inaasahan nya ang naipagkaloob naming magkakapatid dahil kada araw ng pagtatapos ay may inuuwi kaming medalya para sa kanila ng pinakamamahal kong ina. Subalit talaga namang halos dugo ang nakita kong pinapawis ng aking ama sa pagsisikap na makamtan ang simpleng pangarap na iyon.Lahat na yata ng trabaho ay pinasok nya magsasaka kapag tag-ulan dahil wala pang makabagong teknolohiya sa aming munting nayon ng mga panahong yun kaya tanging ulan lang ang inaasahan namin upang makapagsaka.Isa naman syang mahusay na karpintero sa panahon ng tag-araw! Sa mura kong isipan unti-unting nabuo ang mga pangarap ko para sa aking amaâ&#x20AC;&#x2122;t ina sa aking mga kapatid at huli para saking sarili. May kirot akong nararamdaman kapag nakikita ko ang malalaking

OFW ako. Miss ko na Pamilya ko... T-shirts

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bahay na naitatayo ng aking ama sa aming baryo..pigil luha kong binubulong sa aking sarili na darating ang araw BAHAY na namin ang itatayo ng aking ama...hindi bahay kubo kundi yung kahit paano may yero! Pero alam kong napakaimposible ng lahat pano nga ba mangyayari yun kung lubog na lubog talaga kami sa kahirapan...ang bukid na sinasaka ng aking ama ay pag-

aari ng isang may kayang pamilya sa madaling sabi porsyentuhan lamang ang aking ama..nakakalungkot isiping bago pa makaani at makuha namin ang upa o parte ay nautang na namin ito ng advanced.Masakit ding isipin na sa bawat utang ay may dagdag tubo dahil nga matagal bago mabayaran kailangang maani muna ang palayan para kami makabayad. Labis kong hinangaan ang aking ama

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My Father; my Hero ... continued from page 13

sa kasipagan at prinsipyo sa buhay...sa apat na magkakapatid AKO lang ang makulit na buntot ng buntot sa kanila sa bukid upang tumulong.Hanggaâ&#x20AC;&#x2122;t maaari ayaw nya kaming lumusong sa bukid dahil mas itinataboy nya kaming mag-aral na lamang ng kung ano mang leksyon o assignment. Nag-iisa ang kapatid kong lalake na mas muka pa kong lalake:-) si ate at bunso kong kapatid na babae ay di talaga maaasahan sa bukid.Yun siguro ang dahilan kaya natusta ang kulay ko dahil ginawa ko talagang playground ang bukid bundok o tumana...Sa awa ng Dios nakatapos ako ng high school naisin ko mang magkolehiyo hindi talaga pinagkaloob ng tadhana.Nagasawa ang ate ko na inaasahan kong unang tutulong sa amin sumunod si kuya...tulo luha ko habang nakikita ko ang kabiguan sa mata ng aking ama di man nya sumbatan ang ate at kuya ko damang-dama ng aking puso ang pait na bumabalot sa puso nila ni nanay.Lakas loob akong lumuwas ng maynila bagamat

punong-puno ng takot ang aking dibdib sa lungsod na aking tatahakin hindi yun naging balakid upang patuloy akong MANGARAP...kasama na din ang konting sama ng loob sa aking ate at kuya na pinaghugutan ko ng KONTING TIBAY AT LAKAS upang ihakbang ang aking mga paa sa paglisan,paalam NUEVA ECIJA MAGBABALIK AKO SA TAMANG PANAHON! Magulo,Maingay,at Napakadaming tao! Saan ko sisimulan ang buhay ko? Saan ko makikita ang PAG-ASA para sa mga PANGARAP KO? Nakapasok ako bilang isang yaya sa isang pamilya mabait naman sila at nagkaroon pa ako ng pagkakataong makapag-aral sa gabi... subalit talagang pinapahina ako ng kapalaran sunod-sunod ang aking pagkakasakit hanggang tuluyan ko ng ihinto ang pag-aaral sa gabi! Masakit para sa akin dahil hindi ko ninais na habang buhay maging isang yaya..gusto ko maexperience yung pumasok sa isang opisina! Hindi ako tumigil sa paglaban sa hamon ng

OFW ako. Hindi na baleng pagod, may $$$$$ naman. 14

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buhay iniwan ko ang pagiging yaya at nag-apply bilang isang sales agent sa isang industrial hardware...kala ko OK NA! maganda ang sweldo at makakapag-enroll na ulit ako! Ngunit isang MALAKING DAGOK SA AKING PAGKATAO ANG ISANG BALITANG NATANGGAP KO SA PROBINSYA... MAY CANCER SI NANAY...para akong namanhid gusto ko sumigaw umiyak ng todo magalit sa Poong Maykapal! Halo-halong emosyon... na ang naging tugon ko lamang ay ang PAGKATULALA! Umuwi ako ng probinsya halos madurog ang aking puso sa nakita kong kalagayan ng aking ina...payat na payat sa papag naming kawayan nakaratay ang kanyang katawang nanghihina.â&#x20AC;?hindi ako papayag na basta na lamang sya lumisan sa mundo ng wala man lang natitikmang ginhawa KAHIT KATITINGâ&#x20AC;? sabay sa pagdaloy ng aking MGA LUHA NABUO ANG ISANG DESISYON SA AKING ISIPAN....MAGAABROD AKO!!!!

OCT.9,2002 SINGAPORE CHANGI AIRPORT! Pugto parin ang aking mga mata habang tila basang sisiw na naghihintay sa susundong agency staff sa amin.Paulit-ulit bumabalik sa aking isipan ang huling eksenang iniwan ko sa pinas,ang luhaang muka ng aking ina,yakap na tila ba nagsasabing yun na ang HULI! Pinilit kong maging matapang at panandaliang iwaksi sa aking isipan ang pagiging emosyonal sa edad na magbebente-uno punong-puno parin ng takot ang aking dibdib... subalit nagkaroon ako ng kakaibang TAPANG sa tuwing maaalala ko ang sabi ng doctor sa kalagayan ng aking ina...ANIM NA BUWAN na lamang ang PINAKAMATAGAL NA ILALAGI NG IYONG INA! Hindi ako naniniwala alam kong pakikinggan ng DIOS ang aking panalangin handa na kong tanggapin na mawawala sya sa amin isa lang ang nais ko bago nya kami tuluyang lisanin...ang mabigyan sya ng kahit sandaling KAGINHAWAHAN

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My Father; my Hero ... continued from page 15

maibili ng magandang damit sapatos at alahas mga bagay na mula pagkabata koâ&#x20AC;&#x2122;y di ko nasilayang naisuot nya! Hindi ako pinalad sa aking amo,gustuhin ko mang magreklamo sa panlolokong natamo ko ay mas minabuti ko na lamang tanggapin ang aking kalagayan. Araw-araw akong nagtatrabaho sa dalawang bahay! Hindi ko inexpect na ganito DAW ang pinirmahan kong kontrata ang magtrabaho sa dalawang bahay.Pumapabor parin ang Panginoon sa aking buhay dahil kahit naloko ako sa kontrata naging napakabuting tao ng in-laws ng aking amo doon ako nagtatrabaho buong araw at umuuwi sa gabi sa bahay naman ng tunay kong employer. Madalas madaling araw ang tulog ko dahil sa tambak na trabahong dadatnan! Napakahirap hindi lamang ng trabaho ko maging ang ugali at trato sa akin ng amo kong babae ay halos di ko makayanan.Lahat bawal... bawal makipag-usap kahit kanino lalo na sa kapwa ko pilipina bawal ang cellphone at maging ang pagsulat ko

sa pinas sya parin ang naghuhulog. Wala akong dayoff maging ang pagbabasa ng newspaper ay patago kong nagagawa.Daig ko pa ang isang bilanggo pero tiniis kong lahat ayokong magalit sya at maisipang pauwiin ako kung papalag ako sa mga patakaran nya.Kaya naman isa lang ang pinangako ko sa aking sarili,kahit anong salita at trato ang ibigay nya sa akin tatanggapin ko liban na lang kung PAGBUBUHATAN nya ako ng kamay talagang papalag ako! Naging napakabilis ng panahon trabaho...tulog....trabaho! Matapos ang anim na buwan natanggap ko na ang aking sweldo WALANG KASING-SAYA ang araw na una akong makapagpadala ng pera sa pinas! Tumawag ako sa amin at sinabi kong ibili ng bagong damit si nanay kumain sila sa jollibee at mamasyal... batid kong pinagtitinginan ako ng mga tao sa paligid dahil sa magkahalong halakhak at luhang dumadaloy sa aking pisngi public phone both kasi ang gamit ko.Laking pasasalamat ko sa DIOS dahil dininig NYA ang aking dasal maaaring isang

TATLONG BUWAN na lamang ang natitira sa aking kontrata...abot tanaw ko na ang SIMPLENG PANGARAP KO!!! pag-uwi ko sa pinas dideretso kami sa malaking shopping mall sa maynila kakain sa restoran at ipagshashopping ko si nanay! Gusto ko maiparanas sa kanya yung tinatawag na ONE DAY MILLIONARE... Subalit lahat ng yun ay nanatiling PANGARAP NA LAMANG...JULY 14,2004 6:00AM bago ko umakyat sa

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HIMALA patuloy na naging maayos ang kalagayan ng aking ina...kaya naman patuloy akong nagtiis at nangarap! Hindi ko na hinangad na makita ang singapore sapat na sakin ang apat na sulok ng HDB FLAT na naging mundo ko.Sa mga oras ng pagkainip paulit-ulit kong binabasa ang mga sulat ng aking pamilya... dahil sa pagsisikap ko kahit paano ay naging mabait din ang aking amo hindi na nya ko sinisigawan o tinatawag na stupida sa tuwing makakagawa ako ng pagkakamali.

bahay na aking pinagtatrabahuhan... tila may boses akong naririnig na nagsasabing dumaan ako sa phoneboth....malakas ang kutob ko na may kakaibang nangyayari sa pinas sabayan pa na napanaginipan ko ang aking INA...panaginip na tila TOTOO damang-dama ko sa aking pagkakahiga ang higpit ng kanyang yakap...sabay KAWAY sa akin ng PAMAMAALAM! nagising akong luhaan at paulit-ulit kong sinasambit na NAY WAG MO KO IWAN... Boses ng ate ko ang sumagot sa linya....Emma umuwi ka na WALA NA SI NANAY! hindi ko na alam ang sumunod na pangyayari kung paano ko nagawang umakyat sa bahay ng amo ko.Tulad ng dati kong nararamdaman sa tuwing mabibigo ako sa buhay...hindi agad ako MAKAIYAK iniisip ko na BAKA ISA LAMANG PANAGINIP ITO...BAKA NASOBRAHAN AKO SA PAGOD O DI KAYA NAGBIBIRO LANG SI ATE...Pero hindi....dahil isang

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KATOTOHANANG WALA NA ANG AKING PINAKAMAMAHAL NA INA... matapos akong kausapin ng amo ko at sabihing kausap nya ang ate ko...pauuwiin na nya ko bukas na bukas din! Doon na sumabog ang dibdib ko pinawalan ko ang isang napakapait na hagulgol at mga tanong sa DIOS...bakit napakalupit ng kapalaran sa akin nagkulang ba ako ng pagtawag sa DIOS bakit di nya ko pinakinggan??? Wala ng sasakit pa sa naramdaman ko ng araw na bumaba ako sa harap ng aming bahay...madaming tao at sa munting sala namin nakahimlay ang aking INA..gusto ko sumigaw pero ubos na ang aking lakas sobrang sakit! Mahigpit na yakap ng aking ama ang naramdaman ko ng mga sandaling yun...at sa pagkakataong ito pinawalan ko na ang aking emosyon...umiyak ako na parang isang paslit hindi ko alam kung gaano katagal....basta gusto ko ibuhos lahat ng sakit habang yakap ko ang aking ama na sa kaunaunahang pagkakataon ay nakita kong LUMUHA...

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My Father; my Hero ... continued from page 17

Matapos ang libing ng aking ina dalawa na lamang kami ng aking ama sa buhay...may kanya-kanyang pamilya na ang mga kapatid ko! Muli kailangan kong maging MATATAG lalo na ngayon...para sa aking AMA AT SA AKING SARILI! wala akong natirang kahit konting ipon sa halos dalawang taong pag-aabrod hindi ko na naman alam kung paano magsisimula... wala ding trabaho na ang aking ama dahil mula ng umabrod ako ay naging tagapag-alaga sya ng aking ina.Wala akong nakikitang ibang paraan liban sa pagbalik ko sa singapore,ayoko na sana dahil sobrang hirap talaga kung babalik ako sa amo ko...pero wala na kong choices hindi naman ako makapagapply muli sa agency sa maynila dahil wala akong pera.Kaya pikit mata kong pumayag bumalik sa amo ko.Hindi birong hirap ang naranasan kong muli sa pagbabalik ko sa singapore lalong naging demanding at panay sumbat ang natatamo ko sa amo ko... ayon sa kanya dapat maging very thankful ako dahil pinabalik pa nya ko.Ayoko na lang makipagtalo basta

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sa isip ko pagnagkaipon ako at mas malakas na ang loob ko hahanap tlg ko ng ibang amo...Nakatagal ako ng mahigit limang taon sa kanya at finally nagdecide na akong umuwi ng pinas for good.MAY 31,2008 ito ang araw na umuwi ako sa pinas at sinabi sa aking sarili na di na ko kailan man tatapak sa singapore! Subalit isang pagsubok na naman ang sumalubong sa akin na naging daan upang lisanin ko ulit ang pinas para makalimot! Tinalikuran na ako ng lalaking minahal ko hindi ko alam kung saan sya hahanapin...pagod na ako kaya itinanim ko sa aking isip na tuluyan na lamang lumayo...si tatay naman ay nakatagpo ng makakasamang muli sa buhay mabait naman ang bagong NANAY ko...kaya kampante ang aking loob na iwan ang tatay ko! Bago ko tuluyang umalis muli kinausap ako ng aking ama.. Pag-uusap na kailan maâ&#x20AC;&#x2122;y di ko malilimutan...sinabi nya sakin kung gaano sya KAPALAD SA PAGKAKAROON NG ANAK NA TULAD KO...napaluha ako at nayakap sya ng mahigpit!

August 22,2008 ito na ang simula ng aking PANGALAWANG BUHAY... hindi ko inaasahan na magkakaroon ako ng AMONG BABAGO SA AKING PAGKATAO AT MAGPAPAKILALA SA AKIN NG DIOS NA BUHAY! Naging napakabuti nila sa akin,sila ang nagpakita ng KAGANDAHAN NG SINGAPORE sa akin...hinikayat nila akong umatend sa church na may SAMAHAN NG MGA PILIPINO... dito ko natagpuan ang tunay na KALIGAYAHAN natuto akong lumimot sa bawat masasakit na pibagdaanan ko at higit sa lahat natuto akong MAGTIWALA MULI SA PANGINOON! hindi ko alam kung hanggang kailan ako mananatili dito o kung uuwi pa ba ako ng Pilipinas.Basta ang alam ko sa ngayon MASAYA AKO SA PAGLILINGKOD HINDI LAMANG SA PANGINOON KUNG DI MAGING SA KAPWA KO OFW na kasama ko sa church. -end-

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ANITAâ&#x20AC;&#x2122;S KITCHEN has no walls, it extends beyond my wildest dreams and around the world

OFW ako: The GLOBAL Filipino. 20

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Chicken Binakol Ingredients

Procedure

1 tbsp Garlic, minced ½ cup Onions, chopped ¼ cup fresh Ginger, sliced, matchsticks like 1 Yellow or Red Bell Pepper, sliced 1 tbsp Olive oil 4 to 5 pcs Chicken Thighs 1 tbsp Fish sauce (Patis) 2 cans Coconut juice or Two Coconut with the Juice 1 package Frozen Coconut 1 small can Sliced Mushrooms Peppercorns, one jalapeno pepper, optional I bunch of green vegetables, mustard, Chinese broccoli, malunggay or any green vegetables available

Heat the oil in a wok and sauté garlic, onions, ginger in that order. Add the strips of bell pepper. Add the chicken and the patis. Let the chicken cooked in it’s natural juice. Let brown a little about 10 minutes turning over once. Add the coconut juice and the mushroom, cook for another five minutes. Add the coconut meat, season and add the jalapeno if desired. Add the green vegetables on top and steam for about two minutes. Serve in a soup bowl.. Serves 3 to 4.

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About The Author Peter Allan C. Mariano is an electronics manufacturing engineer, writer, broadcaster, web designer and entrepreneur. He has previously worked as an OFW in the Middle East for several years and has also written for several international websites and online publications through his internet marketing company Links2prosperity Marketing. He is the website administrator, columnist and content editor for the radio program Talakayan at Kalusugan TAK Radio @ DWAD1098 KHz and the online version of the daily newspaper PSSST: Politics Showbiz Sports Scandal Tsismis. He is the moderator of the entrepreneurial society Entreplink Philippines.

Perang Pang-Negosyo: ‘Wag ihalo ang Puti sa De-color by Peter Allan C. Mariano (Philippines)

Isa sa pinakamalaking hamon na kinakaharap ng isang negosyante, beterano man sya o isang OFW na nagbabalak o nagsisimula pa lamang - ay kung papaano nya maiiwasang gamitin ang perang nakalaan sa negosyo sa mga pang-personal na mga bagay o gastusin. Kung tatanungin mo ang isang negosyante, tulad halimbawa sa isang nagmamayari ng karinderia o sari-sari store, kung napaghihiwalay nya ang perang pang-negosyo sa personal na pera o gastos, and una nitong isasagot ay “Oo naman,”… pero kadalasa’y nasusundan ito ng katagang “pero hindi lagi….” Marami sa mga negosyante ang hindi naiiwasang paghaluin ang personal na gastusin sa pinansiyal na aspeto ng

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Negosyong OFW

kanyang negosyo. Tutal, sabi ng iba, sila naman ang may-ari ng negosyo ‘di ba, at ika nga raw sa wikang Ingles - you are your business. Para sa iba naman, lalo na yung nagsisimula pa lamang at maliit pa lang ang negosyo, mas mainam daw na pag-isahin na lang yung pera ng negosyo sa personal para mas simple at wala nang iba pang cheche bureche. Diyan sila nagkakamali. Maaaring hindi pa nila namamalayan ang pagkakamali nila sa simula, pero pag nakita na nilang pakonti ng pakonti ang laman ng tindahan at hindi nila maipaliwanag kung saan napupunta ang kanilang kinita - parang bato itong tumama sa ulo na gigising sa kanila.

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Perang Pang-negosyo ... continued from page 23

Kung ikaw o kayaâ&#x20AC;&#x2122;y ang mga mahal mo sa buhay na naiwan sa Pilipinas gaano man ito kalaki, dapat ay matutunan mong paghiwalayin ang lahat ng aspeto nito, lalo na sa larangang pinansyal, sa mga personal mong aktividades. Ika nga sa paglalaba, hindi dapat maghalo ang puti sa de-color - kaya hindi mo rin dapat paghaluin ang kapurihan ng iyong negosyo sa iyong makulay na personal na buhay.

2) Gaano man kalaki ang iyong negosyo - maging karinderia, sarisari store, o kumpanya man ito kailangan meron kang sinusundan na Business Plan para nakalatag na kung saan dadaloy ang perang galing sa iyong mga kinita. Malinaw dapat kung ilang porsiyento sa kinita mong ito ang mapupunta sa pa-sueldo, sa gastusing may kinalaman sa iyong negosyo at sa halagang itatabi mo para ibalik sa iyong puhunan.

At papano mo gagawin ang bagay na ito? Sundin lamang ang mga sumusunod na payo:

3) Sa paggawa ng Business Plan, dapat ay nakasaad din dito kung ilan ang ilalaan mo para sa iyong sarili - swelduhan mo ang sarili mo - at ituring itong bahagi ng kabuuang pasueldo sa lahat ng iyong empleyado. Ang halagang ito ay magsisilbing limitasyon mo sa perang maaari mong kunin sa iyong negosyo walang labis at depende na sa iyo kung may kulang (puede mo rin kasi itong ibalik na lang sa puhunan).

1) Panatilihin ang mentalidad na business is business! Kailangan mong idisiplina ang iyong sarili na ang iyong negosyo at ang iyong mga personal na gastusin ay hindi dapat paghaluin. Ituring mo ang iyong negosyo na parang isang kumpanyang pagmamay-ari ng iba kaya off limits dito ang mga personal mong transaksiones.

continued to page 26 ...

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4) Magkaroon ng hiwalay na bank accounts para sa iyong negosyo at sa iyong personal na gastusin. Mas mainam kung passbook ang gamit mo para sa iyong negosyo para hindi basta-basta nagagalaw ang laman nito ng kagaya sa ATM account. Kung sa tingin moâ&#x20AC;&#x2122;y hindi ka pa disiplinado para humawak ng pera ng iyong negosyo kahit nakapassbook na ito, ipatago mo ito sa iyong asawa, kapatid o kaibigan na mapagkakatiwalaan - at galawin lamang kung kinakailangan. 5) Kung hindi kumbinyente sa iyo na magkaroon ng bank account, gumamit ka na cash box para sa iyong tindahan. May mga nabibiling petty cash box na may lock at susian na puede mong dalhin kahit saan. Meron dapat itong kasamang talaan ng Cash In (pera o kitang pumapasok) at Cash Out (perang lumalabas o gastos) para nakalista lahat ang galaw ng pera. 6) Gumawa ng talaan na may Cash In at Cash Out sa bawat araw na bukas ang tindahan o negosyo mo. Ilista mo ang bawat galaw ng iyong pera pati na rin ang Total Cash on Hand o ang kabuuang perang nasa iyo sa pagsara ng araw na iyon. Isulat mo lahat ng benta sa isang listahan at lahat ng pinagkagastusan o binili mo para sa negosyo sa partikular na araw na iyon.

7) Gumamit ka ng spreadsheet application kagaya ng Excel kung marunong ka nito, o isang accounting ledger kung gusto mong mano-mano isulat ang talaan ng galaw ng pera sa iyong negosyo. Ang mga malaking kumpanya ay gumagamit ng accounting software para sa bagay na ito, pero ang Excel o ledger ay sapat na para sa isang maliit na negosyo. 8) Itago mo lahat ng resibo ng mga binili mo para sa iyong negosyo. Lagyan mo ng tamang petsa ang bawat isa at pagsama-samahin mo lahat ng resibo kada buwan. Magiging mainam na basehan mo ang mga resibong ito kung sakaling may kulang na impormasyon sa talaan mo o kung meron mang hindi magtugma. 9) Kung mamimili ka ng paninda para sa iyong tindahan, mas mainam na paghiwalayin mo ang pagbayad nito sa mga bagay na binili mo para sa iyong tahanan or personal na konsumo. Hindi lang sa pagbayad, mas mainam na magkahiwalay din ang mga pisikal na pinamili mo para sa sarili at para sa negosyo para hindi ka malito at magkamali sa paglista.

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10) Kung minsan, hindi rin talaga maiiwasan na kumuha ka ng isang bagay sa paninda mo at gamitin ito sa personal mong konsumo, o kayaâ&#x20AC;&#x2122;y magamit mo ang ilang halaga mula sa kaban ng iyong negosyo dahil sa isang biglaang pangangailangan. Sa ganitong pagkakataon, mahalaga na ilista mo ng mabuti ang bagay o pera na ginamit mo. Mahalaga rin na bigyan mo ng timetable o takdang panahon para maibalik mo ang bagay o pera na kinuha mo.

Dapat ding tandaan ng isang negosyante na kahit na alam na nya ang mga payong nakalista dito, kung wala rin syang disiplina sa paghawak ng pera ng kanyang negosyo, ang lahat ng pinaghirapan nya ay maaring mawala nang ganun-ganon na lamang. Ang paglago at paglaki ng iyong negosyo ay nakasalalay sa tamang pagpapaikot ng iyong kinita at sa pag-iwas na magamit ito sa mga personal na mga bagay na walang kinalaman sa iyong negosyo. -end-

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A lot of Filipinos want to work overseas since more job opportunities outside the country have been opened to everyone, giving them a chance to find a greener pasture and secure their familyâ&#x20AC;&#x2122;s future. However, finding a job abroad, lucrative and ideal it may seem, has its own downfalls and on top of this is the fact that you will be away from your family, be in a strange place where you donâ&#x20AC;&#x2122;t even know anyone and adjusting to a totally different culture can be very difficult at first. Just a Matter of Perspective Filipinos are known to be hard working and self-sacrificing so we always try to do what we have to do. However, there are really trying times when we just want to quit, break down and wish we could just go home and give everything up. In spite of this, we should realize that they are just temporary emotions so we should not be swayed and instead be stronger to face whatever challenges there are, head on. To help you out, here are a few of the things we can do to be more optimistic and get it through the day with a big smile!

T-shirts at work. How? Recognizing even the simplest things can help you look at the job from a different and more positive perspective. For instance, your profession contributes to the society since you are able to serve people, make their lives easier. In addition, as an Overseas Filipino Worker (OFW), your contribution to the Philippine economy does not go unnoticed. Imagine having a job to support your family and at the same time, be considered as one of the new heroes of your country. Isnâ&#x20AC;&#x2122;t it something to love and be proud of? Appreciate what you have. Millions of Filipinos want to have that rare chance of landing on a job with a decent income to support their families, let alone, working outside the country and earn more than enough. Not everyone has the opportunity to work in a foreign land, so counting your blessings and giving importance to what you have now are two things we should keep in mind.

Think of what will happen if you quit. Whenever you feel the heavy burden Love your job. I always keep this in of longing or the desire to quit your mind no matter how frustrated and job, think of what will happen to the tired I am from work. Learning to people who are depending on you http://www.facebook.com/ofwako.shirts enjoy what we do will help lessen the stress and pressure we can experience and your strength to go on. When you

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Good-looking people earn more?

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by Alvin T. Tabanag, RFP

Sabi ng kaibigan ko simple lang hanap niya sa isang babae: hindi na raw baleng maganda, basta mayaman! He’s shooting for the stars, right? Well, not exactly because she will not be that hard to find. It turns out beautiful people earn more and thus more likely to become rich.

Looks were scored based on 1-to5 scale. Below is the percentage distribution of looks in the U.S.

A recent article in Time magazine revealed that good-looking people will earn more over their lifetime compared to those who are aesthetically challenged. University of Texas Economist Daniel Hamermesh reported in his book “Beauty Pays: Why Attractive People Are More Successful” that “ugly people earn less than average looking people, and average-looking people earn less than the beautiful.”

3 (Average looks) – Men 59%, Women 51%

Based on his studies, “a good-looking person can expect to earn of $230K more in a lifetime than a person who is plain looking.” Sa pera natin mahigit P10 milyon yan! Even if we adjust for differences in pay scales between the US and the Philippines, that still translates to a few million pesos.

1 (Homely) – Men 1%, Women 2% 2 (Quite plain) – Men 11%, Women 13%

4 (Good-looking) – Men 27%, Women 31% 5 (Strikingly handsome or beautiful) – Men 2%, Women 3% According to the study, aboveaverage (4-5) men earn 17% more than below-average (1-2) men. On the other hand above-average women out-earn below-average women by 12%. It looks like beauty is more important in men than women in terms of earnings.

Pinoy Smart Savers Alvin T. Tabañag is the bestselling author of “Kaya Mo, Pinoy! 12 Steps to Build Wealth on Any Income” and “1,001 Ways to Reduce Expenses and Save Thousands.” He is the founder of Pinoy Smart Savers Learning Center (www.pinoysmartsavers.com) and known as the “financial adviser ng masa.”

I don’t know if the Philippines has a similar distribution of looks. Pero sa dami ng naghihirap sa Pilipinas mukhang hindi; mas marami yata ang homely. (Ang ibig bang sabihin ng “homely” ay pang-bahay lang ang looks at hindi pwede sa labas?) You might argue that beauty is in the eye of the beholder. Kaya hindi ganun kadali na masabi kung sino talaga ang maganda at sino ang mahaba ang buhok. However, there are studies that show that people generally agree who’s pretty or handsome. Belo and Calayan are probably jumping with joy right now, anticipating a dramatic increase in the number of clients who want to improve their looks. But not so fast, plastic surgery will not help that much. A study in Korea showed that for every dollar spent on plastic surgery the pay back in salary is less than $1. So, why bother.

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About The Author

What are we to do if we don’t have the looks? Well, firstly, throw these findings out the window. Attractive people may have an edge when all other things are equal. Fortunately, things are rarely ever equal. You don’t need good looks to do well in life. Even if you are in showbiz, beauty is not a guarantee for success. People have other traits and characteristics that are far more important than looks. There is no substitute for hard work, discipline, determination and persistence in achieving success. Kung ikaw ay may sipag, tiyaga at diskarte, magtatagumpay ka rin sa buhay. And where do I rank in the scale. As far as my mother is concerned I’m strikingly… average! But no worries because I’m prepared to work harder and smarter to reach my full earning potential. What about you? -end-

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Holistic Health Approach

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by Eden R. Manabat (Moscow, Russia)

Often times, life can feel like a balancing act. We have a career to focus on, friends and family to see, errands to run, it’s no surprise that our personal health, goals and aspirations, often get put on the back burner. What about you? Has your well-being taken a back seat to the demands of the day to day? On my studies recently, I have learned a lot of new things that opened up my mind into a reality of what holistic health is. As I am practicing to be a Holistic Health Coach I am looking

on every individuals and all areas and aspects of life. How they are connected to each other, does stress at your job or in your relationship cause you to overeat or make poor choices? Does lack of sleep or low energy prevent you from exercising or cause other destructive patterns? Are you unsure of or disconnected from your very source? Thus, it could leads you to poor health. My approach is not one to create lists of restrictions and ‘good’ and ‘bad’ stuff. Instead, I want to set and reach your goals in areas such as maximizing energy, promoting

Articles in this column are not a substitute for professional advice. For specific information of any illness and treatment you must consult a qualified medical professional in your area.

restorative sleep, reducing food cravings, improving the relationships in your life (all relationships, not just intimate ones), increasing career satisfaction and creating an overall sense of happiness and well-being. You’ll develop a deeper understanding of the lifestyle and food choices that work best for you and implement easy but lasting changes that will improve your energy, health, balance and overall life satisfaction. Here are some concepts that I have learned and will be applying to my future clients wherein I can work with together to reach their goals. Bio-individuality : The concept of bio-individuality is that each person has unique food and lifestyle needs. One person’s food is another person’s poison, and that’s why fad diets tend to fail in the long run. Working on the principle of bio-individuality, I’ll support you to make positive changes that are based on your unique needs, lifestyle, preferences and even ancestral background. I use a personalized, holistic approach to ensure that you will have great success!

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HEALTH Corner

Primary Food: It’s easy to overlook all of the things that contribute to our sense of nourishment and fulfillment. It’s not just the food we eat, but all of the other factors present in our daily lives. Healthy relationships, a fulfilling career, regular physical activity and a spiritual awareness are all essential forms of nourishment. When these “primary foods” are balanced, what you eat becomes secondary. I will support you in achieving all of your goals, from eating the right foods for your body to living an inspired, fulfilling life. Integrative Nutrition Pyramid: The Integrative Nutrition® food pyramid includes a balance of high quality vegetables, fruits, grains, proteins, healthy fats and water. To complete the picture, the pyramid is surrounded with lifestyle factors that create optimal health: relationship, career, physical activity and spirituality. I’ll introduce you to some of the healthiest foods on the planet and teach you how to find what works for your unique body!

continued to page 36 ...

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Working with my Health Coach, I have also learned the benefits of eating organics.When it comes to your body, you want to make sure that you are giving it the highest quality ‘fuel’ that you can possibly obtain. In most cases, the highest quality food will be

organic and unfortunately it’s not the cheapest. If you think about it, it does make sense – higher quality goods are usually higher priced, though I do agree that when it comes to our food supply, something just feels wrong about that dynamic. continued to page 38 ...

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But whenever we are talking about ways to eat better to improve their health, inevitably, as soon as I mention eating organic, I always hear an objection about the cost of doing so. I could go full into the explanation and break down of short term vs. long term costs and how a little more invested today can make a huge difference in the costs to your health and future health care, etc. but I won’t & don’t. Because the simple fact is that you have to get food on the table and if you don’t have the budget for all organic eating then you have to just do the best you can until things change for you. Just make sure that you do keep evaluating your situation because many times we can afford it but we choose to get by more cheaply out of habit more than necessity.

I recommend that when it comes to meat, poultry and dairy, you buy only organic even if it means that you have to consume less of these foods. These items have many issues when not organic and they’re far too ‘major’ to overlook. I’ll save elaboration on that for another time because today I want to cover produce. Here’s a basic ‘rule of thumb’: If the fruit or vegetable has a waxy skin or thick rind, it’s usually (though not in all cases) lower in pesticides and by proper washing, you can reduce that even more. However, if the food has a porous skin, you can assume that it’s far higher in pesticides AND they won’t wash off because they’ve been absorbed and have become a part if the food itself.

So, fruits and veggies such as the ones here, MUST be organic: • Celery • Peaches

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So, what’t the best you can do? Meaning, where does it matter the most?

• Apples (their skin is not naturally waxy – processors add it on) • Nectarines • Strawberries • Greens like Kale, Spinach, Collards, etc • Grapes • Lettuce • Potatoes • Blueberries

• Bell Peppers (not normally waxy) • Cherries (not normally waxy)

continued to next page ...

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Holistic Health Approach ... continued from page 39

While the ones below have been found to have the lowest levels of pesticides:

• Watermelon • Cantaloupe • Avocados • Sweet peas • Sweet corn • Pineapples • Mango • Eggplant • Watermelon • Grapefruit • Onions • Cabbage

If you’re interested in knowing more about the ‘why’ this all matters, I encourage you to check out “Toxic America”, a CNN series that aired not too long ago. It was very interesting and it may just have you rearranging your budget to make room for those organics after all… and that would be an awesome thing. Meanwhile, in health news recently. Russia halts imports of Monsanto corn over cancer fears The Russian authorities temporary suspended the import and sale of Monsanto’s genetically-modified corn after a French study suggested it may be linked to cancer.The Russia’s consumer-rights regulator Rospotrebnadzor asked scientists at the country’s Institute of Nutrition to review the study. The watchdog continued to page 42 ...

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has also contacted to European Commission’s Directorate General for Health & Consumers to explain the EU’s position on GM corn. The report prepared by France’s University of Caen and published last week, claimed that rats fed over a two-year period with Monsanto’s genetically modified NK603 corn, developed more tumors and other pathologies than a test group fed with regular corn. The NK603, sold under the Roundup label, is genetically engineered to withstand glyphosate weed killer.

The company criticized the study, saying it “doesn’t meet minimum acceptable standards for this type of scientific research” and the data was incomplete. Monsanto also said Russia’s ban will have little effect on its business as the country import small volumes of corn from the US. Besides that, the Russian government doesn’t permit farmers to plant GM crops. “Russia is a net exporter of grain, so the actual impact of their temporary suspension, if any, is likely to be small,” the spokesman said in a statement.

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Meanwhile, France announced it will uphold the ban on genetically modified crops in the country. It has asked the national food-security agency Anses to examine the study of Monsantoâ&#x20AC;&#x2122;s corn. If other countries follow the examples of Russia and France it could be a severe blow to the major US biotech. In California, activists are fighting to have GM products removed from the food supply. They are also pushing to pass Proposition 37, a law that would legally require genetically modified foods to be labeled as such. Monsanto is opposing the law and it has donated over $4.2 million to lobby against it. Over 2,000 farmers have petitioned the US government to more thoroughly investigate the impacts of the genetically modified corn crop from Monsanto. -end-

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