Malacañang announces Phil. Holidays for 2013


 In line with the Proclamation No. 459 signed by the President Benigno S. Aquino III last August 16, 2012 posted at the Official Gazette, Malacanang officially announces the list of Philippine Holidays for 2013. Holidays were categorized in to three including Regular Holidays, Special Non-Working Days and Special Holiday that only suspends classes for schools in all levels. Here is the list of Philippine Holidays for 2013:

• Regular Holidays
New Year’s Day – January 1 (Tuesday)
Maundy Thursday – March 28
Good Friday – March 29
Araw ng Kagitingan – April 9 (Tuesday)
Labor Day – May 1 (Wednesday)
Independence Day – June 12 (Wednesday)
National Heroes Day – August 26 (Last Monday of August)
Bonifacio Day- November 30 (Saturday)
Christmas Day – December 25 (Wednesday)
Rizal Day – December 30 (Monday)

•Special Non-Working Days

Black Saturday – March 30
Ninoy Aquino Day – August 21 (Wednesday)
All Saints Day – November 1 (Friday)

• Additional special (non-working) days –

November 2 (Saturday)
December 24 (Tuesday)
December 31 (Tuesday) Last Day of the Year

• Special Holiday (for all schools)
EDSA Revolution Anniversary – February 25 (Monday)
While Islamic holidays including Eidul Fitr and Eidul Adha will be included on the Philippine Holidays for 2013 once the National Commission on Muslim Filipinos (NCMF) informs the Office of the President about the final date where the two holidays fall on the Islamic calendar (Hijra). It will be considered as a Regular Holidays and Nationwide Special Days and will be announced via the Official Gazette of the Office of the President handled by the Communications Department.

continue reading and feel free to post your commentt>>>

Why there's no mercury drug in sm malls?

Henry Sy, Sr. (born December 25, 1924) is a Chinese Filipino businessman with interests in retailing, real estate, hospitality, banking, mining, education including healthcare services. He pioneered the establishment of SM Malls, anchored by Shoemart Department Store and Supermarket earning him the title; the Philippines' Retail King. He is the chairman of SM Prime Holdings, Inc., the holding corporation for all his business interests in his vast business empire. In 2011, Forbes Magazine listed him as the no. 1 billionaire in the Philippines. Have you ever wondered why there is no Mercury Drug in SM Malls here in Philippines? well… here’s the story... Mr. Sy was a very ambitious man. He wanted to get rich more than 2 decades ago. He tried many businesses to get enough income but failed. 

After trying so hard to make both ends meet; he finally have earned enough money to start a small business. Something crossed to his mind. He will build a small shoe store. He thought how could he get some customers. An idea popped out. He noticed that Mercury Drug, which is big drug store and been to the business for many years, has many loyal customers coming to them. He approached the owner and asked if he can rent and place his small shoe store there even with a very small portion. He was not allowed and got embarrassed even though he asked politely. Mr. Sy then promised to himself that Mercury Drug will never step in his life when he gets rich. So in 1958, Mr. Sy established his shoe store in Quiapo, Manila, which became SM Quiapo, the first SM Mall, in November 1972. 

Now, Mr. Sy is the richest man in the Philippines because of his own will and determination, gaining $5 billion in 2010, amid the global financial crisis. He is also the owner of Chinabank and operator of BDO. Aside from his numerous malls, supermalls and supermarkets in the Philippines, he also owns 6 SM Malls in Mainland China, and 1 SM Mall in Guam. 

Now he never lets a single Mercury Drug do business in any of his SM malls. Instead he franchised Watson's from Hong Kong which became the substitute for Mercury Drug.

continue reading and feel free to post your commentt>>>

Why Hello, Piggy Bank!

As part of our mission of teaching people saving a part of their monthly income, hope it helps and motivate you.
The good thing about being employed is that you have something to look forward to every payday.

The bad thing about being employed is DEPENDING on the fact that you have something to look forward to every pay day. There's nothing sadder than that, I tell you.

What happens when your source of income just disappears? Unless you are an heir to a great fortune or you won the lottery, then chances are, it would be very difficult for one to get by without a major source of income.

So, what we’re trying to say is, appreciate the job that you have now and the fact that you do have a job compared to others who are suffering the wrath of unemployment. And while you’re at it, it pays to save money.

It's better when we were young and we're given those piggy banks for savings. It was a great feeling that when that piggy bank is full, we can get something out of it. But now that we're adults, we need more than piggy banks and we need savings that cannot easily be broken.

A lot of people do encouragement to save money, we all know it’s important. But knowing is different from ACTUALLY doing it. Some are very good at the start but lose motivation in the long run. It’s just like dieting. So for those who have a hard time in saving money, here are some money saving tips from us:

Set a percentage of your income, and spend the rest!
Say you have an income of P12,000 nett monthly, Set aside a percentage to that monthly income, say 10% which is P1,200.00 per month. This will be the portion that you will immediately set aside to put in your savings account. All the rest, you can spend without guilt. It’s like paying yourself first, which is better than scrimping on your expenses until the next payday. If you feel that 10% is low and you can actually save more, then you can also increase your percentage.

Make money saving automatic.
Automatic money saving will give you no choice but to really save. Without automatic money saving, one has the tendency to say, “I can always save next payday.” And obviously, this will become a cycle when the next time you plan to save, you will plan again to save the next payday, leaving you zero savings in the end.
There are several ways to do so. One is to ask your company if they do automatic savings deduction. When I was employed, I asked our Payroll to deduct automatically my set percentage and direct it to our cooperative (where I will also get dividends, benefits, etc.). If your company doesn’t have anything like this, you can go to the bank that handles your payroll account and arrange for an automatic savings plan. Some banks can automatically deduct a fixed amount from your salary and deposit it to a separate savings account. I believe BPI does this as BPI was the one who handles our payroll before. I am not sure with other banks.

Savings should not be accessible.
When money is easily in your hands, it’s easier to spend. We recommend that you make your savings account as inconvenient to get cash as possible. A good start would be to get a passbook bank account instead of the usual ATM savings. All banks have this where you can do over the counter cash withdrawals and some saving programs allow you to have limited withdrawal transactions but unlimited deposit transactions (BDO Optimum Personal Savings Account allows this).
Actually, there are a lot of banks that can give you several options. It’s better to weigh what’s for you. The point is you are FORCED to save money.

Avoid paying with credit card.
Credit card can sometimes be addictive with its accessibility. It feels so good to be able to swipe but it’s a different thing when you get your statements.
When you use cash or on debit (debit card), you’ll be more aware of your budget. Paying with cash will help you avoid accumulate debts and encourage you to live just within your means. Simply put, save first then pay in cash.
If you are vigilant with this, you’ll end up with zero credit and a savings account that you don’t have to use to pay accumulating debts.
And while we are at the topic of credit cards—it would be beneficial to just have one and not more than that. As online payments are very rampant and you might need credit cards for transactions, you can just have one. Having more than one will tie you up with a lot of payables monthly.

Be aware of small expenses.

Have you ever felt like asking, "Where did all my money go?" And the next thing you know, you're scrimping on what's left of your salary and wait for the next payday.
Back in the days, I used to write down everything I spend. It makes me aware of those small daily expenses that we do not mind at all upon spending but when added up, these are the things that drain your savings. Like for example, those little cigarettes or the taxi fares or those junkfood and chocolates that you include in your grocery list. You may also want to be aware that those cups of coffee at coffee shops takes a big chunk off your income, without knowing it. I am not saying that you have to cut out all those guilty pleasures totally but it helps that you make yourself aware of their impact on your savings.
Right now, there are a lot of free phone apps that you can download for monitoring your expenses.

Reward yourself for saving money.
All work and no play is no good. So set a benchmark and reward yourself for saving money once you reach that benchmark. Say, if you have saved P10,000.00, reward yourself with that blouse you’ve been eyeing at the mall (set a reward cost as well, that it won’t cripple you or your savings). Or, you might give yourself a fancy dinner or a movie after every five No Spending Days.

As a summary, force yourself to save money, be aware of your expenses and reward yourself from time to time. In tough times like these, it is good that you have something hidden for the rainy days. (Other Sources:

continue reading and feel free to post your commentt>>>

The 25 most difficult questions you'll be asked on a job interview - Part 1

 Part 1

Hope it helps. Share this to your friends.
1. Tell me about yourself. Since this is often the opening question in an interview, be extra careful that you don't run off at the mouth. Keep your answer to a minute or two at most. Cover four topics: early years, education, work history, and recent career experience. Emphasize this last subject. Remember that this is likely to be a warm-up question. Don't waste your best points on it.

2. What do you know about our organization? You should be able to discuss products or services, revenues, reputation, image, goals, problems, management style, people, history and philosophy. But don't act as if you know everything about the place. Let your answer show that you have taken the time to do some research, but don't overwhelm the interviewer, and make it clear that you wish to learn more. You might start your answer in this manner: "In my job search, I've investigated a number of companies. Yours is one of the few that interests me, for these reasons..." Give your answer a positive tone. Don't say, "Well, everyone tells me that you're in all sorts of trouble, and that's why I'm here", even if that is why you're there.

3. Why do you want to work for us? The deadliest answer you can give is "Because I like people." What else would you like-animals? Here, and throughout the interview, a good answer comes from having done your homework so that you can speak in terms of the company's needs. You might say that your research has shown that the company is doing things you would like to be involved with, and that it's doing them in ways that greatly interest you. For example, if the organization is known for strong management, your answer should mention that fact and show that you would like to be a part of that team. If the company places a great deal of emphasis on research and development, emphasize the fact that you want to create new things and that you know this is a place in which such activity is encouraged. If the organization stresses financial controls, your answer should mention a reverence for numbers. If you feel that you have to concoct an answer to this question - if, for example, the company stresses research, and you feel that you should mention it even though it really doesn't interest you- then you probably should not be taking that interview, because you probably shouldn't be considering a job with that organization. Your homework should include learning enough about the company to avoid approaching places where you wouldn't be able -or wouldn't want- to function. Since most of us are poor liars, it's difficult to con anyone in an interview. But even if you should succeed at it, your prize is a job you don't really want.

4. What can you do for us that someone else can't? Here you have every right, and perhaps an obligation, to toot your own horn and be a bit egotistical. Talk about your record of getting things done, and mention specifics from your resume or list of career accomplishments. Say that your skills and interests, combined with this history of getting results, make you valuable. Mention your ability to set priorities, identify problems, and use your experience and energy to solve them.

5. What do you find most attractive about this position? What seems least attractive about it? List three or four attractive factors of the job, and mention a single, minor, unattractive item.

6. Why should we hire you? Create your answer by thinking in terms of your ability, your experience, and your energy. (See question 4.)

7. What do you look for in a job? Keep your answer oriented to opportunities at this organization. Talk about your desire to perform and be recognized for your contributions. Make your answer oriented toward opportunity rather than personal security.

8. Please give me your definition of [the position for which you are being interviewed] . Keep your answer brief and task oriented. Think in in terms of responsibilities and accountability. Make sure that you really do understand what the position involves before you attempt an answer. If you are not certain. ask the interviewer; he or she may answer the question for you.

9. How long would it take you to make a meaningful contribution to our firm?
Be realistic. Say that, while you would expect to meet pressing demands and pull your own weight from the first day, it might take six months to a year before you could expect to know the organization and its needs well enough to make a major contribution.

10. How long would you stay with us? Say that you are interested in a career with the organization, but admit that you would have to continue to feel challenged to remain with any organization. Think in terms of, "As long as we both feel achievement- oriented."

11. Your resume suggests that you may be over-qualified or too experienced for this position. What's Your opinion? Emphasize your interest in establishing a long-term association with the organization, and say that you assume that if you perform well in his job, new opportunities will open up for you. Mention that a strong company needs a strong staff. Observe that experienced executives are always at a premium. Suggest that since you are so well-qualified, the employer will get a fast return on his investment. Say that a growing, energetic company can never have too much talent.

12. What is your management style?
You should know enough about the company's style to know that your management style will complement it. Possible styles include: task oriented (I'll enjoy problem-solving identifying what's wrong, choosing a solution and implementing it"), results-oriented ("Every management decision I make is determined by how it will affect the bottom line"), or even paternalistic ("I'm committed to taking care of my subordinates and pointing them in the right direction"). A participative style is currently quite popular: an open-door method of managing in which you get things done by motivating people and delegating responsibility. As you consider this question, think about whether your style will let you work happily and effectively within the organization.

continue reading and feel free to post your commentt>>>

The 25 most difficult questions you'll be asked on a job interview - Part 2

 Part 2
13. Are you a good manager? Can you give me some examples? Do you feel that you have top managerial potential? Keep your answer achievement and ask-oriented. Rely on examples from your career to buttress your argument. Stress your experience and your energy.

14. What do you look for when You hire people? Think in terms of skills. initiative, and the adaptability to be able to work comfortably and effectively with others. Mention that you like to hire people who appear capable of moving up in the organization.

15. Have you ever had to fire people? What were the reasons, and how did you handle the situation? Admit that the situation was not easy, but say that it worked out well, both for the company and, you think, for the individual. Show that, like anyone else, you don't enjoy unpleasant tasks but that you can resolve them efficiently and -in the case of firing someone- humanely.

16. What do you think is the most difficult thing about being a manager or executive? Mention planning, execution, and cost-control. The most difficult task is to motivate and manage employees to get something planned and completed on time and within the budget.

17. What important trends do you see in our industry?
Be prepared with two or three trends that illustrate how well you understand your industry. You might consider technological challenges or opportunities, economic conditions, or even regulatory demands as you collect your thoughts about the direction in which your business is heading.

18. Why are you leaving (did you leave) your present (last) job? Be brief, to the point, and as honest as you can without hurting yourself. Refer back to the planning phase of your job search. where you considered this topic as you set your reference statements. If you were laid off in an across-the-board cutback, say so; otherwise, indicate that the move was your decision, the result of your action. Do not mention personality conflicts. The interviewer may spend some time probing you on this issue, particularly if it is clear that you were terminated. The "We agreed to disagree" approach may be useful. Remember hat your references are likely to be checked, so don't concoct a story for an interview.

19. How do you feel about leaving all your benefits to find a new job?
Mention that you are concerned, naturally, but not panicked. You are willing to accept some risk to find the right job for yourself. Don't suggest that security might interest you more than getting the job done successfully.

20. In your current (last) position, what features do (did) you like the most? The least? Be careful and be positive. Describe more features that you liked than disliked. Don't cite personality problems. If you make your last job sound terrible, an interviewer may wonder why you remained there until now.

21. What do you think of your boss? Be as positive as you can. A potential boss is likely to wonder if you might talk about him in similar terms at some point in the future.

22. Why aren't you earning more at your age? Say that this is one reason that you are conducting this job search. Don't be defensive.

23. What do you feel this position should pay? Salary is a delicate topic. We suggest that you defer tying yourself to a precise figure for as long as you can do so politely. You might say, "I understand that the range for this job is between $______ and $______. That seems appropriate for the job as I understand it." You might answer the question with a question: "Perhaps you can help me on this one. Can you tell me if there is a range for similar jobs in the organization?" If you are asked the question during an initial screening interview, you might say that you feel you need to know more about the position's responsibilities before you could give a meaningful answer to that question. Here, too, either by asking the interviewer or search executive (if one is involved), or in research done as part of your homework, you can try to find out whether there is a salary grade attached to the job. If there is, and if you can live with it, say that the range seems right to you. If the interviewer continues to probe, you might say, "You know that I'm making $______ now. Like everyone else, I'd like to improve on that figure, but my major interest is with the job itself." Remember that the act of taking a new job does not, in and of itself, make you worth more money. If a search firm is involved, your contact there may be able to help with the salary question. He or she may even be able to run interference for you. If, for instance, he tells you what the position pays, and you tell him that you are earning that amount now and would Like to do a bit better, he might go back to the employer and propose that you be offered an additional 10%. If no price range is attached to the job, and the interviewer continues to press the subject, then you will have to respond with a number. You cannot leave the impression that it does not really matter, that you'll accept whatever is offered. If you've been making $80,000 a year, you can't say that a $35,000 figure would be fine without sounding as if you've given up on yourself. (If you are making a radical career change, however, this kind of disparity may be more reasonable and understandable. ) Don't sell yourself short, but continue to stress the fact that the job itself is the most important thing in your mind. The interviewer may be trying to determine just how much you want the job. Don't leave the impression that money is the only thing that is important to you. Link questions of salary to the work itself. But whenever possible, say as little as you can about salary until you reach the "final" stage of the interview process. At that point, you know that the company is genuinely interested in you and that it is likely to be flexible in salary negotiations.

24. What are your long-range goals? Refer back to the planning phase of your job search. Don't answer, "I want the job you've advertised." Relate your goals to the company you are interviewing: 'in a firm like yours, I would like to..."

25. How successful do you you've been so far? Say that, all-in-all, you're happy with the way your career has progressed so far. Given the normal ups and downs of life, you feel that you've done quite well and have no complaints. Present a positive and confident picture of yourself, but don't overstate your case. An answer like, "Everything's wonderful! I can't think of a time when things were going better! I'm overjoyed!" is likely to make an interviewer wonder whether you're trying to fool him . . . or yourself. The most convincing confidence is usually quiet confidence.

continue reading and feel free to post your commentt>>>

I don’t want to die poor’

‘I don’t want to die poor’ 
By Wilfred Zulu

We definitely needed it in refocusing our directions.

Sylvia Banda was only 24 when she realised that if she continued with her job in the public service, she would, like many who have gone before her, die in poverty. 

 The 49-year old Sylvia with an investment capital of US$100 in her venture is now standing on the threshold of US$4.7 million hotel-and-lodge development, making her one of the most enterprising persons not only in Zambia but the region at large. 

She reminisced: “The start of my business was not easy…challenges were many but what mattered most to me was a better future for my family, country and Africa as at large,” she told API. 

Having left the poorly-paid job as a teacher 25 years ago, Sylvia ‘invaded’ her kitchen; she took away a stove, fridge, mealie meal, chicken, salt, cooking oil and the like. A proprietor of a warehouse in the city’s industrial area had agreed to allow her use his premises free of charge – perhaps thinking that she would not go far.

 “The first day was funny. My small restaurant had no tables, no chairs, so I simply said to my customers, ‘welcome to a standing buffet’. Amazingly the first meal was all sold out”. 

The next day, the woman whose government service monthly salary amounted to not more than US$ 150 (K500, 000), put the US$100 she had saved into the new business which was promising good returns. 

Shortly afterwards, Sylva Catering was born. Within a year, she was running a full operational cafeteria with many outside catering orders.

 But even under the cards of limited funds, Sylvia feared getting a bank loan because the then “49 percent interest rate was too high”. 

She managed on her own, though. Today she has expanded her catering business to include a guesthouse, catering college, and cafeterias spread across the capital Lusaka. They operate under the banner ‘Sylva Professional Catering Services’ and is situated at the University of Zambia.  

As you enter her office, you will be greeted by several trophies decorating her desk and shelves. In 2001, she bagged the Arch of Europe 20th century Award that she consecutively retained in 2004 and 2005. In the year 2001, she was honoured as one of the six most outstanding African entrepreneurs and in 2003, the American biographical researchers voted her as Woman of the Year. Not to mention a string of local honours. 

 In the recent past, she has ventured into the promotion of indigenous food. This includes dried pumpkin leaves and seeds, pounded groundnuts, dried black jack leaves, dried and fresh okra, among many others. These foods are packaged under the label Sylva Food Solutions. 

 “We package almost all known indigenous Zambian food and sell them in supermarkets besides putting them on our menu. We also do exports to countries like Angola Congo DR and Nigeria,” she added.

The promotion of indigenous food has been well received both locally and internationally. In 2005, she exhibited at the Japan-Expo. 

 Locally, it is no surprise that high profile organizations ‘queue’ up at her office for orders. Her clients include Unilever South-East Africa, British Council, hotels and lodges. 

Professional bodies are also tapping into her knowledge. She sits on the boards of Zambia Chamber of Small and Medium Scale Business Associations, Vocational Training under the Ministry of Science and Technology, and the newly instituted Zambia Development Agency. 

 In order to compare her achievements with those of the outside world, six years ago, she joined the US-based Professional Women’s Advisory Board. And in 2003, Sylvia toured Washington DC on a USAID educational and cultural programme. 

 “It is hard to accept that having started with almost nothing and without any loan, my business is being appreciated worldwide. This tells me that money alone is not a launch-pad for success but commitment, ability driven by vision,” she said. 

Despite all these successes scored, her journey has not been devoid of challenges. The 1980s-90s unstable economy chorused by high inflation threatened her business. While trying to beat the inflationary effects, her customers complained that the products were too expensive. The other area is corruption.

 “There are times when we have failed to get business from government institutions because our competitors opted to corrupt some official. But as God-fearing people, we cannot give kickbacks,” said Sylvia who together with her husband are devout Christians. 

 She added that costing mechanism of products is important in business. “We are not bothered by the pricing of our competitors. We would not change the price of a product merely because somebody is pegging the same at a lower cost”. 

 But what is the secret to her achievements? “God!” she emphatically responds. 

 “In whatever we do, we always put God first and seek His guidance.’

continue reading and feel free to post your commentt>>>

Want To Start your Own E-Commerce Site?

Attention businessmen out there, how do you sell your products? Are you paying in Ebay with a whooping $$$/month for maintenance even without a single sale? Man, wake-up, you can start your own e-commerce at a very minimal cost today. The high paying website programmers, the expensive hosting and domains those are history. Today you can start your own E-commerce website even without knowledge on php, css, html & etc. You can upload many products as you want, post any content or event as you want meaning you're in control. Wise businessmen in Western countries do some outsourcing business, the cost is more than half. Meaning the price is very cheap at a very competitive output.

One of the best example nowadays is oDesk where employers and contractors meet. Both parties will enjoy different benefits, the employer can save up to 75% than running a conventional web services business. The contractor will enjoy the higher rate than working 8 hours in office not including those crazy team leads and abusive boss. I've been working online and I love it, I am at the comfort of my room, no fare, no boss around me, I can work without dress (economically wise, save a lot for my laundry) lol.

My point here is if you want to start your own e-commerce website or any kind of website just contact me directly tru my email: and let me know your budget and we'll start negotiate (you can cut-off the 12% fee on oDesk) and guaranteed you'll be happy or simply hire me on oDesk plus 12% fee.

Or else you want to set-up your own team on oDesk and start finding a High Caliber contractual or hire a Ninja that can work anything for you, then create your team below. Take note it's not easy to find a loyal contractual, please be calm.


Fair enough? that's all and goodluck, happy hunting!

continue reading and feel free to post your commentt>>>

Happy Getaway This Season

It’s always fun to plot for a getaway. The thought of spending quality time may it be alone, with some friends or family in a beautiful place you would wish to be, travelling, enjoying outdoor activities you are aching to try, having a time of your life on the other part of the world under a different time zone, experiencing excursions you desire at the moment, and so much more, would also be more fun if you could spend less on the cost but still be able to enjoy privileges of the said activities of the trip. What is the best thing to do to have both the luxury of a vacation but spending less on its cost? Research for deals, promos and discounts or inquire about them so you can avail them. 

We have in fact, great deals provided for you. If you want the best travel experience while literally saving hundred dollars or more, take time to check on coupon codes for booking with This page will be a great help to your travel needs. Checkout the sweet offers provided here to get the best bargain you deserve. The page covers from vacation packages, hotels, car rentals, flights, cruises and activities or things to do, with promos and discounts. If you often check the page, you will constantly get to know the current offers that you may avail, or something that will be an answer to your travel needs. Take advantage of these coupon codes. Make sure to identify the different types of promos and deals in order to know which one will be help you. This is the best way to end up having the time to enjoy your perfect getaway without drawing a hole in your savings. Take a moment to choose what best suite your travel needs from these coupon codes. World-wide destinations are available as well together with these promos and discounts. All these are exceptional deals you can choose from. Click on the promos provided to get further information on availing the discounts and more. 

We provide these offers to help you indulge in your dream vacation which provides less spending. What could be more fun in exploring, enjoying, discovering, getting immersed, or excursions in scenic views without hurting your budget? We are giving these for you so you can enjoy more and have extra savings perhaps for your future trips. You may also refer this information to your friends or anyone who is in a tight budget but wants to materialize their dream vacation or wants a quality vacation. Spread the good news! Bon voyage!

continue reading and feel free to post your commentt>>>
Related Posts with Thumbnails