Working abroad or employed locally?

Started by PR0CESS0R, November 07, 2009, 06:09:18 PM

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PR0CESS0R

Pobreng Taw LANg KO!

Chongki


bugsay


pang local ra ang akong beauty ;D

hmmm...nindot gyud sa atua....asa atong pamilya ug mga amigo naa didto ang kalipay.
βÏ...γσαψ

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PR0CESS0R

Mao ni aknog rason ngano ni uli ko. Dili kabayran ang kamingaw labi na masakit sa layong dapit.
Pobreng Taw LANg KO!

jorgeanna

working abroad... dli makabuhi ang sweldo sa bohol .. mahal na kaayo ang tuition fee and basic needs... plus walay lingaw kung dli wala ka cable connection og internet so dugang sa gastos
a marriage can never be perfect.. but the love can be!

david

og sa pinas ka lang mag trabaho daghan kag mga pangandoy nga di matuman
hmmmmm

PR0CESS0R


og sa pinas ka lang mag trabaho daghan kag mga pangandoy nga di matuman

sakto sad imong punto bai david dah!

2 thumbs up!
Pobreng Taw LANg KO!

david

sa among lugar sa marbo daghan na kaayog mga bag-o dagko ug piskayon nga bay, mangutana ka kinsa ang tag-iya og asa nag trabaho permi ang tubag tua sa abroad o seaman.
hmmmmm

hofelina

I wanted kids, I wanted to send them to school, to a big  university, that they will be academically well situated. Nakahoman na ang usa, ang akong bonsoy na lang ang sonod. Kon sa Pinas pa kini, walay pagla-om.
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PR0CESS0R

Lisod jud hinoon labi na naay anak patungha-on sa kolehiyo. Sa ako'y college ang kindergarten sa akong gi-eskwelahan tag 20k na ang bayad. Pila na kaha bayad sa kindergarten sa akong alma mater karon?

Usahay lagi ato na e-sakripisyo atong kaugalingon aron lang mahimutang sila.
Pobreng Taw LANg KO!

PR0CESS0R


sa among lugar sa marbo daghan na kaayog mga bag-o dagko ug piskayon nga bay, mangutana ka kinsa ang tag-iya og asa nag trabaho permi ang tubag tua sa abroad o seaman.

Bitaw bai, halos dagko ug balay sa lugar diri halos seaman/OFW/US cititzen. Kong dili man gani seaman, politicians.
Pobreng Taw LANg KO!

bugsay


Lisod jud hinoon labi na naay anak patungha-on sa kolehiyo. Sa ako'y college ang kindergarten sa akong gi-eskwelahan tag 20k na ang bayad. Pila na kaha bayad sa kindergarten sa akong alma mater karon?

Usahay lagi ato na e-sakripisyo atong kaugalingon aron lang mahimutang sila.

+1 bai Proc........hmmm "sakripisyo", word of the day... ;D
βÏ...γσαψ

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Candijaynon

Bisan lisod ang kinabuhi dire sa Pinas wa jud ko magdamgo nga moabroad. Morag way koy guts molangyaw uy.

PR0CESS0R


Bisan lisod ang kinabuhi dire sa Pinas wa jud ko magdamgo nga moabroad. Morag way koy guts molangyaw uy.

Mao jud na ilang gi ingon nga "be contented of what you have" 

Lain2x lang jud panglantaw isig usa.
Pobreng Taw LANg KO!

lindy

A Champion is a dreamer that refused to give up!

slackware

mao naman na ang trend karon. kung walay family member ninyo nga nag abroad, its either super yaman family ninyo or below poverty level inyo family.
"All that is needed for evil to succeed is, that decent human beings doing nothing". (Edmund Burke)

glacier_71

akong ginikanan, pobre pero nakapaskwela baya pod namong upat sa kolehiyo. nahuman mi tanan ug nakatrabaho. nangaminyo ug naa nay mga anak. laman, sa dihang nagkasakit akong ginikanan, kung wa pa ko diri sa gawas, murag nadidbol na ning akong usa ka ginikanan. mao ra pod nay nakalahi kung didto ko sa pinas, di man jud ko katabang nila.
Artificial Intelligence is nothing in comparison to Natural Stupidity.

Lorenzo

As for me:

Philippine-born,
American-Educated: elementary, middle, high school, college, medicine.

Goal orientation: Practice medicine in the USA, and planning on opening a clinic/hospital in Bohol in the future.
Pohon, I would like to work half and half. Half the year in the US, and half the year in Bohol-Cebu.

There is alot of potential investment in Cebu, Bohol, Negros, Ilo-Ilo, Leyte.
Alot of potential.

:)
www.kwikcare-philcare.com - Most affordable HMO Health Insurance in the Philippines

benelynne

I am also experimenting with a career that will allow me to work and spend most of my time with my family in the Philippines, travelling abroad only to do marketing and get jobs and projects. One has to be creative with his chosen career to do this. In my field, which is translation and marketing, all I need is a good communication network--broadband internet and telephone system--which is the backbone of the Business Process Outsourcing industry.  As my timetable for the launch of a Philippine base draws near, I have to speed up my study of low-cost communication technology and cement my network ties.
Live out of your imagination, not your history.
-- STEPHEN COVEY
http://www.facebook.com/photo.php?pid=4508115&id=710401074#/profile.php?ref=name&id=710401074

hubag bohol


Bisan lisod ang kinabuhi dire sa Pinas wa jud ko magdamgo nga moabroad. Morag way koy guts molangyaw uy.

With adequate education, mabuhi ra man tingali ta comfortably in our own country. Kon daghan kag gikinahanglan aron malipay, lisod jud hinuon.

Candz, parehas diay mog pilosopiya ni John Stuart Mill who said: "I have learned to seek my happiness by limiting my desires, rather than in attempting to satisfy them."
...than to speak out and remove all doubt." - Abraham Lincoln

Visit www.kwikcare-philcare.com - Most affordable HMO Health Insurance in the Philippines

Vito Andoline

daghan ang chance kung naa ka sa abroad kay x3 or x4 imong sweldo compara sa pinas na sweldo makapalit ka kung unsa imong gusto.

depende ra pud sa tawo kung  gastador o dili
milyonaryo na si vito nakakuha ug perlas sa isla berde...

ms da binsi


Bitaw bai, halos dagko ug balay sa lugar diri halos seaman/OFW/US cititzen. Kong dili man gani seaman, politicians.


Proc, ako ra tingali naa sa gawas nga ang balay sa pinas mura ra japun ug balay sa kokok! hahaha!

Vito Andoline



Proc, ako ra tingali naa sa gawas nga ang balay sa pinas mura ra japun ug balay sa kokok! hahaha!

napa ka humble mo namn d bins.

milyonaryo na si vito nakakuha ug perlas sa isla berde...

ms da binsi

tinuod jud na Vits! ako ra gitaguan akong datung ilawom sa banig! ahahhaha!

Vito Andoline


tinuod jud na Vits! ako ra gitaguan akong datung ilawom sa banig! ahahhaha!

naay rason oi.wa na ka ganahi mupoyo sa pinas.hahaha
milyonaryo na si vito nakakuha ug perlas sa isla berde...

PR0CESS0R



Proc, ako ra tingali naa sa gawas nga ang balay sa pinas mura ra japun ug balay sa kokok! hahaha!

Halos pero dili tanang taw naka trabaho sa gawas dagko ug balay. Mao na giingon MDB nga dili ka sa balay ni invest, sure ko nga tua tanan sa bangko imong hinago-an.
Pobreng Taw LANg KO!

Vito Andoline

Working abroad or employed locally?


suwayi ang panarbaho sa abroad kung nahuman naka panarbaho sa pinas ma compara nimo ang  imong  kaugalingon
milyonaryo na si vito nakakuha ug perlas sa isla berde...

Vito Andoline

Kung  jeepney  driver ka sa pinas,  sa abroad  bus driver na ka.hahaha
milyonaryo na si vito nakakuha ug perlas sa isla berde...

PR0CESS0R

sakto jud, walay jeepey (PUJ) sa laing nasud. if naa man gani, dili pasahero-an
Pobreng Taw LANg KO!

Vito Andoline


sakto jud, walay jeepey (PUJ) sa laing nasud. if naa man gani, dili pasahero-an

kung naa man mamasahero sa abroad way conductor kung sa pinas  naa  nagkabit kabit sa pultahan mao na ang  diperensya sa abroad ug pinas manarbaho
milyonaryo na si vito nakakuha ug perlas sa isla berde...

PR0CESS0R

Kasagaran sa mga bus sa gawas kay bayad daan b4 mo sakay mao walay conductor. Dili sad mo sukli ang mga driver while nagmaniho sa bus. Looy kaayo mga pinoy kong dili sweto kay kong tibook ang ibayad, walay sukli.
Pobreng Taw LANg KO!

Vito Andoline

Working abroad or employed locally?

working abroad mas maayo kung  dire lang dapita ha kay  kung mo order ka sa tindahan  tawagan lang nimo  ilang i deliver door to door pa bisan piso ra imong  apalliton.

sa pinas  ikaw ang moadto sa tindahan aron mopalit ikaw pa mobitbit sa  imong gipalit.
milyonaryo na si vito nakakuha ug perlas sa isla berde...

bugsay

Maayo gyud tuod ning mang empleyo sa gawas kay dagko man ug kita kumpara sa nag nagtrabaho lang sa atua.....
pero subo lang sab palandungon nga tungod sa temporaryong panaglagyo sa asawa ug bana, daghang pamilya ang nabungkag, kay hayan ang asawa nagduwa ug kayo o ang bana nag sawo-sawo pud ug baga....ang luoy ang mga anak intawon.
Mao ni ang sakit kaayo nga realidad..

para asa man diay ning atong daghang kwarta nga kinitaan,???

βÏ...γσαψ

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Lorenzo


I am also experimenting with a career that will allow me to work and spend most of my time with my family in the Philippines, travelling abroad only to do marketing and get jobs and projects. One has to be creative with his chosen career to do this. In my field, which is translation and marketing, all I need is a good communication network--broadband internet and telephone system--which is the backbone of the Business Process Outsourcing industry.  As my timetable for the launch of a Philippine base draws near, I have to speed up my study of low-cost communication technology and cement my network ties.

Excellent to hear the progress of your plans, Mr. Benne. I pray that it shall be accomplished in due time, by Grace of the Lord God. Carry on!

As for myself, I have already begun networking with colleagues. As medical interns, I have been able to form close friendships with two Filipino brothers, Job and Albert, both of whom sing with me in church choir. We have discussed this heavily--the aspect of starting a clinic in the philippines, not a small clinic, but a substantial medical clinic/hospital with western technology, and pooling western resources into this clinic with right funding/investment.

All three of us are a product of the Filipino medical brain drain. As our parents are in the medical field (medicine/nursing).

The three of us, as 2nd year medical interns, share the concern of the plight of the filipino doctor, and the status of the medical system in the philippines; in short: very saddening.

My friend Albert is serious in starting a clinic somewhere in Ilo-Ilo as that is where he is from, I want to start a clinic preferably in Bohol-Cebu where it is close to family resources and to the home base, whereas Job wants to do something in Lucena, where he is originally from (Luzon). All three of us ave realized that we would be better to accomodate all resources by pooling our powers together in the future. The plan thus far, is opening a clinic somewhere around Cebu, only because it is close to our regional bases. That and the resources around the province.
Job is open to doing annual/bi-annual medical missions to Lucena and surrounding provinces in Luzon, whereas Albert is thinking about permanently re-patriating to Ilo-Ilo after he finishes residency in the 'states. I would, however, like to start a clinical hospital in Cebu-Bohol, as a long-term project and investment on my part.

The plan is to increase our network and pool greater resources. This is all, of course, do-able, with proper business planning, and proper investment incentives, and with God's Blessings.

Forward In Christ!
www.kwikcare-philcare.com - Most affordable HMO Health Insurance in the Philippines

PR0CESS0R

Hala! ni tingog na si bai bugsay :)

Sakto jud ka bai, daghan kaayo nga pamilyado pagikan sa Pinas, pero pag abot didto sa gawas ma change status dayon labi na naay gi angayan or naay ni angay. Hinoon, dili sad tanan nga pinoy ingon ani pero nakita jud ni nako sa ubang mga OFW.
Pobreng Taw LANg KO!

bugsay


Hala! ni tingog na si bai bugsay :.

giahak sab ani uy...ayawg lawgawa diha by Proc! mopalak lagi ka dayon ba...hata pa gani to...bwahahah ;D

βÏ...γσαψ

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PR0CESS0R


Excellent to hear the progress of your plans, Mr. Benne. I pray that it shall be accomplished in due time, by Grace of the Lord God. Carry on!

As for myself, I have already begun networking with colleagues. As medical interns, I have been able to form close friendships with two Filipino brothers, Job and Albert, both of whom sing with me in church choir. We have discussed this heavily--the aspect of starting a clinic in the philippines, not a small clinic, but a substantial medical clinic/hospital with western technology, and pooling western resources into this clinic with right funding/investment.

All three of us are a product of the Filipino medical brain drain. As our parents are in the medical field (medicine/nursing).

The three of us, as 2nd year medical interns, share the concern of the plight of the filipino doctor, and the status of the medical system in the philippines; in short: very saddening.

My friend Albert is serious in starting a clinic somewhere in Ilo-Ilo as that is where he is from, I want to start a clinic preferably in Bohol-Cebu where it is close to family resources and to the home base, whereas Job wants to do something in Lucena, where he is originally from (Luzon). All three of us ave realized that we would be better to accomodate all resources by pooling our powers together in the future. The plan thus far, is opening a clinic somewhere around Cebu, only because it is close to our regional bases. That and the resources around the province.
Job is open to doing annual/bi-annual medical missions to Lucena and surrounding provinces in Luzon, whereas Albert is thinking about permanently re-patriating to Ilo-Ilo after he finishes residency in the 'states. I would, however, like to start a clinical hospital in Cebu-Bohol, as a long-term project and investment on my part.

The plan is to increase our network and pool greater resources. This is all, of course, do-able, with proper business planning, and proper investment incentives, and with God's Blessings.

Forward In Christ!

What a nice plan Lorenz.

Good luck!
Pobreng Taw LANg KO!

bugsay


Hala! ni tingog na si bai bugsay :)

Sakto jud ka bai, daghan kaayo nga pamilyado pagikan sa Pinas, pero pag abot didto sa gawas ma change status dayon labi na naay gi angayan or naay ni angay. Hinoon, dili sad tanan nga pinoy ingon ani pero nakita jud ni nako sa ubang mga OFW.

Nawad-an ni sila sa focus bay Proc...nakalimot ug unsa diay ilang tuyo paglangyaw....nabutaan sa tawhanong kahigal......
sa akong kaugalingong panghunahuna ang kasagaran nga mahitumpawak sa pagpakasala, kadto dili manggi-ampoon.

Importante kaayo sa matag-adlaw ang pag-ampo nga magiyahan tas bisan unsay atong mga bulahaton nga mahi-angay sab sa IYANG kabubut-on....sa ingon niining paagiha, kuli gyud kaayo kang motulibagbag..
βÏ...γσαψ

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Vito Andoline

bitaw naay daghan na  nagdugang pero wala man  gibuwagan.hahaha
milyonaryo na si vito nakakuha ug perlas sa isla berde...

Vito Andoline


Maayo gyud tuod ning mang empleyo sa gawas kay dagko man ug kita kumpara sa nag nagtrabaho lang sa atua.....
pero subo lang sab palandungon nga tungod sa temporaryong panaglagyo sa asawa ug bana, daghang pamilya ang nabungkag, kay hayan ang asawa nagduwa ug kayo o ang bana nag sawo-sawo pud ug baga....ang luoy ang mga anak intawon.
Mao ni ang sakit kaayo nga realidad..

para asa man diay ning atong daghang kwarta nga kinitaan,???




kanta nalng  ug  tukso layoan mo ako.
milyonaryo na si vito nakakuha ug perlas sa isla berde...

PR0CESS0R


Nawad-an ni sila sa focus bay Proc...nakalimot ug unsa diay ilang tuyo paglangyaw....nabutaan sa tawhanong kahigal......
sa akong kaugalingong panghunahuna ang kasagaran nga mahitumpawak sa pagpakasala, kadto dili manggi-ampoon.


Importante kaayo sa matag-adlaw ang pag-ampo nga magiyahan tas bisan unsay atong mga bulahaton nga mahi-angay sab sa IYANG kabubut-on....sa ingon niining paagiha, kuli gyud kaayo kang motulibagbag..


Kadtong wala makaila ug Ginoo maoy kasagaran makahimo ug salaod. Subra naman ang kwarta mao daghan kaayo ang possibilidad nga ma tintal ug lulinghayaw.
Pobreng Taw LANg KO!

Candijaynon


With adequate education, mabuhi ra man tingali ta comfortably in our own country. Kon daghan kag gikinahanglan aron malipay, lisod jud hinuon.

Candz, parehas diay mog pilosopiya ni John Stuart Mill who said: "I have learned to seek my happiness by limiting my desires, rather than in attempting to satisfy them."


Mao jud Manoy simple ra jud ahong pangandoy sa kinabuhi. Di pud ko materialistic nga pagkatawo. Ug unsay maabot sa ahong pinanginabuhian mao ra pod aho. Ingon ani man gud pud ahong mga parents.

Candijaynon


Maayo gyud tuod ning mang empleyo sa gawas kay dagko man ug kita kumpara sa nag nagtrabaho lang sa atua.....
pero subo lang sab palandungon nga tungod sa temporaryong panaglagyo sa asawa ug bana, daghang pamilya ang nabungkag, kay hayan ang asawa nagduwa ug kayo o ang bana nag sawo-sawo pud ug baga....ang luoy ang mga anak intawon.
Mao ni ang sakit kaayo nga realidad..

para asa man diay ning atong daghang kwarta nga kinitaan,???



Usa na sa rason Sir Bugs nga di ko moabroad.

bugsay


Usa na sa rason Sir Bugs nga di ko moabroad.

Sakto bitaw ang kang bai Hubs......kinahanglan nga makontento lang gud kon unsay naabot.
βÏ...γσαψ

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Lorenzo


What a nice plan Lorenz.

Good luck!

Thank You, Friend.
Looking at the present situation, it is only logical.
We are yet still young. Job is 23, Albert is 23 and I am 24. With ample networking in medical pillars, we need to facilitate a business plan and blue print, acquire investment through capital downpayment. Purchasing land and establishing political relations with the government in that particular land will be of optimum prerogative. That is why I am targetting either Cebu-Bohol-Ilongo because of our family relations and ties. Land is no problem for me because my family owns hectars of land in Bohol.

In point of view lang, I do not think I want to work as a clinician in the United States all my life. For some time, yes.

But my heart has always longed to go back to The Visayas.

My heart will always be in Cebu-Bohol.

Cebu is the 2nd largest city in the entire RP, and the fastest growing economy in the entire country, and Bohol also a growing economic power, and voted one of the most peaceful provinces in the entire RP. Resources are available, it now requires time and capital for the acquisition of the goal.

Fortunately, my friends and I are not the only ones that dream of going back to the Philippines and setting up a practice back home or establishing a hospital. I have never settled for 'small things' or little things.
If I will go back to open a clinic in Philippines, it will not be a small clinic. It will be a large hospital, with western and philippine trained physicians working on a daily basis providing the best medical care for the people.

Investment and planning, must be acquired. Fortunately, time is in our side.


Thanks.
www.kwikcare-philcare.com - Most affordable HMO Health Insurance in the Philippines

hubag bohol


Mao jud Manoy simple ra jud ahong pangandoy sa kinabuhi. Di pud ko materialistic nga pagkatawo. Ug unsay maabot sa ahong pinanginabuhian mao ra pod aho. Ingon ani man gud pud ahong mga parents.

Bitaw, Day Candz, unsaon man nang sobra. Ingon bitaw ahong amigo nga karaan kaajo ang model sa celfon, "Motawag ka nako, makatubag ko. Motawag ko nimo, kadungog ka nako. Unsaon man nako nang celfon nga daghang kuskos-balungos? Kon labayay, pildi ka kay mas bug-at ning akong celfon!" ;D 
...than to speak out and remove all doubt." - Abraham Lincoln

Visit www.kwikcare-philcare.com - Most affordable HMO Health Insurance in the Philippines

Candijaynon


Bitaw, Day Candz, unsaon man nang sobra. Ingon bitaw ahong amigo nga karaan kaajo ang model sa celfon, "Motawag ka nako, makatubag ko. Motawag ko nimo, kadungog ka nako. Unsaon man nako nang celfon nga daghang kuskos-balungos? Kon labayay, pildi ka kay mas bug-at ning akong celfon!" ;D 

Hahahah....Halos puro China phone na ang gipamalit sa mga tawo dire sa Mla. Manoy kay brato ra kaajo unja daghan man gihapon ug features ug di pud masnatch. Ang mga sosy ra jud ang mamalit anang mga mahalon nga orig.

bugsay

Diha ko'y kainom gabii....3 sab ka Pinoy,ang 2 naghisgot ug dagkong sweldo...nindot ug sakyanan pero tungod sa pagtrabaho nila's diri's gawas, broken family ang labas....
Sayod ko nga sa ilang sipa kaayo nga bahakhak kay daghan nag nainom, nagpahipi ang kahapdos ug kasakit sa galamham tungod sa personal kaayo nga mga problema...

tsk, stk, tsk... :'(
βÏ...γσαψ

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Vito Andoline


Diha ko'y kainom gabii....3 sab ka Pinoy,ang 2 naghisgot ug dagkong sweldo...nindot ug sakyanan pero tungod sa pagtrabaho nila's diri's gawas, broken family ang labas....
Sayod ko nga sa ilang sipa kaayo nga bahakhak kay daghan nag nainom, nagpahipi ang kahapdos ug kasakit sa galamham tungod sa personal kaayo nga mga problema...

tsk, stk, tsk... :'(

hahaha.ajaw hilak bai
milyonaryo na si vito nakakuha ug perlas sa isla berde...

Candijaynon


Diha ko'y kainom gabii....3 sab ka Pinoy,ang 2 naghisgot ug dagkong sweldo...nindot ug sakyanan pero tungod sa pagtrabaho nila's diri's gawas, broken family ang labas....
Sayod ko nga sa ilang sipa kaayo nga bahakhak kay daghan nag nainom, nagpahipi ang kahapdos ug kasakit sa galamham tungod sa personal kaayo nga mga problema...

tsk, stk, tsk... :'(

Kalooy pud unja labi na ug gipangwaldas ra pud ang ilang mga kinitaan sa abroad sa ilang mga palamunin dire sa Pinas. Pastilan!

Vito Andoline

milyonaryo na si vito nakakuha ug perlas sa isla berde...

Candijaynon


mura ug naay naigo ani ba

Kinsa man Bay Vits?

Vito Andoline


Kinsa man Bay Vits?

hahaha di ko magsaba kay makasab-an ko
milyonaryo na si vito nakakuha ug perlas sa isla berde...

bugsay


hahaha.ajaw hilak bai

ayayyy...'kita gyud noon ko'g moon.....tagak sab mga tiki.....hehehe
βÏ...γσαψ

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Lorenzo

Bugsay,

The key to economic security and financial stability, despite one's profession, is: Financial appropriation.
If person X gets paid so much, he should take half of his salary and save it. It must not be touched. At all. The other half shall be used, appropriately.

How say person X was an engineer in Saudi, getting paid $2,000 a month.
In 5 months time, Engineer X would have saved $5,000; untouched. With more saved in his checking acount from the unused appropriated half. Right?

Now lets say after 2 years, time, Engineer X would have already saved $24,000. Untouched, with interests growing. Amazing eh?

Now after 4 years time, Engineer X would have saved close to $48,000. Untouched.
Very nice investment.

----

It is what I call living by one's means and fiscal conservative measure.
It is easy to spend money, and see it blown away.
It's harder to save finance, but much sweeter to see how much God has granted you through hard work and guarded sensibilities.


Lorenzo.
www.kwikcare-philcare.com - Most affordable HMO Health Insurance in the Philippines

Vito Andoline


ayayyy...'kita gyud noon ko'g moon.....tagak sab mga tiki.....hehehe

hahaha.lingin ba ang moon bai.
milyonaryo na si vito nakakuha ug perlas sa isla berde...

Candijaynon


hahaha.lingin ba ang moon bai.

Kwadrado kuno Bay

Lorenzo

As for me:

It is ludacris for anyone to drink to get drunk or to smoke.
Personal biase and prejudice in my part.

I have friends who are alcoholics who spend close to $200 a week on drinks.
Thats equivalent to $800 a month.
Equivalent to $9,600 a year. Wasted.

You loose money and at the same time develop fatty hepatic liver, with reduced liver enzymes, and the increased risk of developing liver cancer.

Lorenzo.
www.kwikcare-philcare.com - Most affordable HMO Health Insurance in the Philippines

bugsay


Bugsay,

The key to economic security and financial stability, despite one's profession, is: Financial appropriation.
If person X gets paid so much, he should take half of his salary and save it. It must not be touched. At all. The other half shall be used, appropriately.

How say person X was an engineer in Saudi, getting paid $2,000 a month.
In 5 months time, Engineer X would have saved $5,000; untouched. With more saved in his checking acount from the unused appropriated half. Right?

Now lets say after 2 years, time, Engineer X would have already saved $24,000. Untouched, with interests growing. Amazing eh?

Now after 4 years time, Engineer X would have saved close to $48,000. Untouched.
Very nice investment.

----

It is what I call living by one's means and fiscal conservative measure.
It is easy to spend money, and see it blown away.
It's harder to save finance, but much sweeter to see how much God has granted you through hard work and guarded sensibilities.


Lorenzo.

Binisaya lang ko bai Lorenz kay...mao lagi namayabas ra man gud ko sa una sa grade 1 pa ko...hehehe..

kini'ng imong gihisgutan bai, sayon kaayo litokon pero lisod kaayo buhaton.
Magkadako ang imong abot o kinitaan, magkadako sab imong gasto...mausab ang lifestyle ug ang level sa pamuyo...
Tungod kay dako nag sweldo, dili na motor ang sakyanan..ilisan nag trooper....ang humba ilisan nag beefsteak...heheh
Tinuod ni Bai...di gyud ni ikalalis....

Mao nga ako, bilib ko sa asawa o bana nga nakatigum gyud...luyo sa sakto-sakto ra sab nga kinitaan....kay dili baya pod tanan nga ning abroad ang dagko ug kita...
βÏ...γσαψ

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Vito Andoline


Kwadrado kuno Bay

hahaha basin giduolan to ug bitoon mao na kwadrado.
milyonaryo na si vito nakakuha ug perlas sa isla berde...

bugsay


hahaha.lingin ba ang moon bai.


Kwadrado kuno Bay

hahahaha........kini bitawng manglugmaw atong luha bai nya pugson nato'g lurat atong mata kay naa gyud tay gusto tan-awon...kana, makita nimo ang moon...bwahahahaha.
βÏ...γσαψ

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bugsay


hahaha basin giduolan to ug bitoon mao na kwadrado.

ayayyy...murag naay nagpahipi aning Vitoon...hehehe
βÏ...γσαψ

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Vito Andoline


hahahaha........kini bitawng manglugmaw atong luha bai nya pugson nato'g lurat atong mata kay naa gyud tay gusto tan-awon...kana, makita nimo ang moon...bwahahahaha.

hahahaha.nalibog si cans  bai
milyonaryo na si vito nakakuha ug perlas sa isla berde...

Vito Andoline


ayayyy...murag naay nagpahipi aning Vitoon...hehehe

basta naa mosawsaw bai mao na na.hahaha
milyonaryo na si vito nakakuha ug perlas sa isla berde...

bugsay


basta naa mosawsaw bai mao na na.hahaha

Bilyako nga Bai Vitzkie..... ;D ;D ;D
βÏ...γσαψ

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Vito Andoline


Bilyako nga Bai Vitzkie..... ;D ;D ;D

nahilom si bai hubs.hahaha.miuli na guro to.
milyonaryo na si vito nakakuha ug perlas sa isla berde...

Lorenzo

Bai Bugsay, pasensya na lang ha sige mo binisaya na lang ko (sorry lang if maka mistake ko sa binisaya kai weak jamo ko sa binisaya)

Mao lagi tinuud bitaw imung gi sinultihan nga dagko ipa gastos sa pamilya kai mao man jud na ang buhay.
Filled with so many surprises and unexpected circumstances.
Mo gastos ta sa eskwela sa mga bata, sa colehiyo, ug ang plete ug mo abroad pood sila, mao lagi. Gastos pood ta sa medical expenses sa pamilya ug ma sakit sila lagi.

Mao lagi importante mo save ang tawo sa ijang sweldo kai naa man jud good and bad times para nato ug sa atong pamilya, mao na ma ready man jud ta, financially, to lend a helping hand.
----

Para nako, i subscribe to the notion of : living within one's means.
Spending more than what one can afford is, in my opinion, very careless, and dangerous.
Ug naay kwarta ang tawo, okay man mo gastos ug extra-extra, new car, new dress etc, so long as naa na sa financial means.

Ug tawo naay sweldo ug $6,000 a month, i save pood ang $3,000. And the other half ready to be spent appropriately. By 1 year time, maka save na ang tawo ug $36,000. In three years time, over $100,000 saved in the bank. Capital na. Then can be used for investment.


This is what was told to me by my Lola Nating.
Mao lagi daghan to sija'g kwarta sa una kai insik man gud.
Pero tinuud man ang ilang pilosopiyo: Save your money, better to save than to spend. When you save, you have. When you spend, you have not.

he he he

Sige, regards!
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bugsay


nahilom si bai hubs.hahaha.miuli na guro to.

lahi tong migo nato....mura to'g killer whale...mokalit la'g sulbong...nya pareha nimo bai Vitz, magtangag ug tanghaga....bwahahhahahaha
βÏ...γσαψ

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bugsay


Bai Bugsay, pasensya na lang ha sige mo binisaya na lang ko (sorry lang if maka mistake ko sa binisaya kai weak jamo ko sa binisaya)

Mao lagi tinuud bitaw imung gi sinultihan nga dagko ipa gastos sa pamilya kai mao man jud na ang buhay.
Filled with so many surprises and unexpected circumstances.
Mo gastos ta sa eskwela sa mga bata, sa colehiyo, ug ang plete ug mo abroad pood sila, mao lagi. Gastos pood ta sa medical expenses sa pamilya ug ma sakit sila lagi.

Mao lagi importante mo save ang tawo sa ijang sweldo kai naa man jud good and bad times para nato ug sa atong pamilya, mao na ma ready man jud ta, financially, to lend a helping hand.
----

Para nako, i subscribe to the notion of : living within one's means.
Spending more than what one can afford is, in my opinion, very careless, and dangerous.
Ug naay kwarta ang tawo, okay man mo gastos ug extra-extra, new car, new dress etc, so long as naa na sa financial means.

Ug tawo naay sweldo ug $6,000 a month, i save pood ang $3,000. And the other half ready to be spent appropriately. By 1 year time, maka save na ang tawo ug $36,000. In three years time, over $100,000 saved in the bank. Capital na. Then can be used for investment.


This is what was told to me by my Lola Nating.
Mao lagi daghan to sija'g kwarta sa una kai insik man gud.
Pero tinuud man ang ilang pilosopiyo: Save your money, better to save than to spend. When you save, you have. When you spend, you have not.

he he he

Sige, regards!

+1, agree ko nimo Bai Lorenz....mao gyud 'ta na'y dapat buhaton.

BTW, Ok ra kaayo kon mag iningles ka bai...kay basin ikaw na hinoon pod ang magkadipo-dipo ug binisaya diha...heheheheh


βÏ...γσαψ

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Happy

"There's no perfect life, but we can let God fill it with perfect moments"

Lorenzo

hahahaha! Bai Bugsay, okay ra man uy!
Bisaya bitaw pood ta ug nawong. Bisaya sa dugo.
;)

Sige ha, my regards to your family!

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bugsay


hahahaha! Bai Bugsay, okay ra man uy!
Bisaya bitaw pood ta ug nawong. Bisaya sa dugo.
;)

Sige ha, my regards to your family!



thankz bai Lorenz..

BTW, kon wa ko nasayop, imong mama gyud tong pirme mag uniform ug puti sa mga panahon nga molabay ko didto sa balay sa imong lolo....sa highschool pa ko Bai.


βÏ...γσαψ

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Lorenzo

O, municipal RN man ahong Mama sa unang panahon.

Kaila diay ka sa ahong pamilya, bai? Unsa man imung apelido?
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bugsay


O, municipal RN man ahong Mama sa unang panahon.

Kaila diay ka sa ahong pamilya, bai? Unsa man imung apelido?


sa nawong lang bai.....kay daplin man gud sa high ang balay ninyo...so pirme gyud nako makita.
for 4 years nya 5X a week, syaro ug di masag-o...hehehe
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Lorenzo

haha a mao ba, lingaw pood. Wa diay maka kalimot ang tawo no? Ignan to nako ahong mama when mo balik ko sa winter break. lol!

Mao lagi, sus, time does pass by no? Kai si mom 23 or 24 pa man to sija sa adto sigoro.
Karon, ako naman 24 years old. lol!

Pas pas ra jud ang panahon, bai!

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bugsay


haha a mao ba, lingaw pood. Wa diay maka kalimot ang tawo no? Ignan to nako ahong mama when mo balik ko sa winter break. lol!

Mao lagi, sus, time does pass by no? Kai si mom 23 or 24 pa man to sija sa adto sigoro.
Karon, ako naman 24 years old. lol!

Pas pas ra jud ang panahon, bai!



wa pa diay seguro ka natawo adtong panahuna bai Lorenz....gisawilik pa kas imong papa adtong panahuna...hahahaha
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Lorenzo


sa nawong lang bai.....kay daplin man gud sa high ang balay ninyo...so pirme gyud nako makita.
for 4 years nya 5X a week, syaro ug di masag-o...hehehe

Bai Bugsay, naka kita pood ka sa ahong Lola? Og ahong Lolo?
Naka sulti pood ka nila or wa jud?

Gusto pood ko maka hear ang stories sa unang panahaon when na buhi pa si Lola Nating nako.
Sure ko naka kita ka sa ahong lola. Kai Insik man to sija! hahaha very lively to si Lola Nating uy.
:)

haha maka lingaw gyud!
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Lorenzo


wa pa diay seguro ka natawo adtong panahuna bai Lorenz....gisawilik pa kas imong papa adtong panahuna...hahahaha



Swimmer pa ko adto. ha ha ha ha
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bugsay


wa gud ko kaestorya ana nila bai kay di man mi kaila...layo ra among balay sa inyoha.......sige lang gyud ko'g labay..
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Lorenzo

Mao lagi bai bugsay! sus marihosep, paspas ra jud ning panahona.

I still remember, sir, when I was 5 years old ning bisita ko sa balay sa amiga sa ahong lola. The wife of Dr. Lim. Best friends man to sila sa una when buhi pa to sila duha. he he he.
I remember it kai mo ininsik man to ahong Lola Nating. Cantonese Chinese man ahong lola gud!

Mo ingoon to ang asawa ni Dr. Lim, "Hoy Shang! Shang!"
And mo return pood to si Lola Nating in return in Chinese..hahaha naka limut na ko.
Lola would take me with her, my hand in her hand, and mo lakaw pood ko.
Gi servan pood ko ug pandesal ug coke. he he he paborito nako sa una.

And now recently, ning bista ko sa balay ni Dr. Owen Chieu (iyang asawa taga Lim Family sa Valencia). Si Dr. Owen Chieu is my maninoy he he he.

This past Dec. 2008 ning adto mi sa vigil para sa BLESSED SANTO NINO, and ning ingoon sija nako, "Sus marihosep, Doy Bran, daku naman jud ka!" hahaha, can you believe he still remembered me as a 4-5 year old when he usd to carry me, now daku na kono. maka katawa pood ta ba. maka lingaw-lingaw ka ma lipay pood ko that naka hinumdum pood ang mga tawo sa old times.

My ears are always attentive when they start talking about my Lola and Lolo. Because I always want to know more about them..the things they said, did, etc etc in life.

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bugsay


Mao lagi bai bugsay! sus marihosep, paspas ra jud ning panahona.

I still remember, sir, when I was 5 years old ning bisita ko sa balay sa amiga sa ahong lola. The wife of Dr. Lim. Best friends man to sila sa una when buhi pa to sila duha. he he he.
I remember it kai mo ininsik man to ahong Lola Nating. Cantonese Chinese man ahong lola gud!

Mo ingoon to ang asawa ni Dr. Lim, "Hoy Shang! Shang!"
And mo return pood to si Lola Nating in return in Chinese..hahaha naka limut na ko.
Lola would take me with her, my hand in her hand, and mo lakaw pood ko.
Gi servan pood ko ug pandesal ug coke. he he he paborito nako sa una.

And now recently, ning bista ko sa balay ni Dr. Owen Chieu (iyang asawa taga Lim Family sa Valencia). Si Dr. Owen Chieu is my maninoy he he he.

This past Dec. 2008 ning adto mi sa vigil para sa BLESSED SANTO NINO, and ning ingoon sija nako, "Sus marihosep, Doy Bran, daku naman jud ka!" hahaha, can you believe he still remembered me as a 4-5 year old when he usd to carry me, now daku na kono. maka katawa pood ta ba. maka lingaw-lingaw ka ma lipay pood ko that naka hinumdum pood ang mga tawo sa old times.

My ears are always attentive when they start talking about my Lola and Lolo. Because I always want to know more about them..the things they said, did, etc etc in life.



Nindot sab bitaw handumon ang mga nangagi Bai Lorenz...nya smile pod ug pinakalit bisag wya nagtan-aw...hehehe

maayo kaayo imong parents bai kay ning migrate gud mo diha...atleast tibuok pamilya ang magka-uban...
βÏ...γσαψ

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Lorenzo

Sir Bugsay,
pasalamat jud ko sa Ginoo naka anhi mi tanan, sa grace of God.
Luuy pood lagi, bai, kai i was so very close to my Lola Nating and Lolo Ciano when bata pa ko. On weekly basis mo adto sila sa among balay kai mo duwa sila namo. Mo adto pood mi sa ilang balay kai ma mingaw man mi nila!

When it came to leaving Phils in 1991, emotional jamo para nako.
Hilak ko kaayo kai di na ko maka kita sa ahong Lolo ug Lola.

Ahong Lola Nating i remember what she said to me, 5 years pa ko, 2 days before we left phils.
She said to me, "Ondoy, Ayaw jud kalimtan mi ninyo ha? Ajaw lalimtan imung Lolo Ciano ug ako. Pinangga ka namo, Doy. Be good to your mom and dad. Ampo kanunay, Doy. Ampo kanunay."

Lola had tears rolling down her face.
She was wearing her red dress, with her shoes.
My beautiful and loving grandmother. Mrs. Fortunata Tan Salvo.
The mother of my mommy. :)


It was with a weeping heart, bai, that I went back home in 1998 for the funeral of my Lola Nating.
My mind was filled with her memories.
The sound of her voice and her laughter.
Lola nating...mingaw ko nimo!

All i have of her is my memories. and the stories of friends and family members of her.
Beautiful!


GOD BLESS!
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bugsay

Makahilak man sab tag apil nimo Bai Lorenz...hehehehe...guol sa tawon ko ron kay luyahon na akong papa....akong giampo pirme nga magka-uban pa unta mi'g daghan pang panahon.....

Sige Bai...ayo-ayo sab diha..
God bless.
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Lorenzo


Makahilak man sab tag apil nimo Bai Lorenz...hehehehe...guol sa tawon ko ron kay luyahon na akong papa....akong giampo pirme nga magka-uban pa unta mi'g daghan pang panahon.....

Sige Bai...ayo-ayo sab diha..
God bless.

Bai Bugsay, iampohon pood nako tagaan imung Darling Papa more years and a healthy mind and body by the LORD GOD.

Trust in The Lord, bai, for surely He will provide all that you need hears all your prayers. All of it.

God Bless you, always. May the peace of the Lord Jesus Christ continue to guard and protect you, and your entire family. From the crown of the head to the soles of the foot.


Happy Sunday, brother.
May the Lord God Bless all of Us.


Bran Lorenzo,
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bugsay


Bai Bugsay, iampohon pood nako tagaan imung Darling Papa more years and a healthy mind and body by the LORD GOD.

Trust in The Lord, bai, for surely He will provide all that you need hears all your prayers. All of it.

God Bless you, always. May the peace of the Lord Jesus Christ continue to guard and protect you, and your entire family. From the crown of the head to the soles of the foot.


Happy Sunday, brother.
May the Lord God Bless all of Us.


Bran Lorenzo,

Salamat kaayo bai Lorenz.....wa man taay laing mahimo aning kalibutana kon dili ang pagsurrender lang gyud tanan ngadto sa Labaw'ng Makagagahum...

βÏ...γσαψ

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Lorenzo

Walang anuman, bai!

Pohon, maluuy ang Ginoo, maybe we can meet up pood. Pohon.

Sige, ayo ayo pood ka.

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bugsay

Mao ni ron...supak gyud unta ko aning temporaryong panaglagyo sa asawa ug bana .....nanarbaho na gyud hinoon ko diri's gawas nga layo sa pamilya...sabagay, physically layo pero duol kaayo sa hunahuna ug kasingkasing........ubanan sa mga pag-ampo kay dali raba kaayo ta motulibagbag...hehehe
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bugsay


Walang anuman, bai!

Pohon, maluuy ang Ginoo, maybe we can meet up pood. Pohon.

Sige, ayo ayo pood ka.



ok bai...pohon
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Lorenzo


Mao ni ron...supak gyud unta ko aning temporaryong panaglagyo sa asawa ug bana .....nanarbaho na gyud hinoon ko diri's gawas nga layo sa pamilya...sabagay, physically layo pero duol kaayo sa hunahuna ug kasingkasing........ubanan sa mga pag-ampo kay dali raba kaayo ta motulibagbag...hehehe

Beautifully said, brother!

With tears rolling from my eyes,
Lorenzo
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hubag bohol


ubanan sa mga pag-ampo kay dali raba kaayo ta motulibagbag...hehehe

Bulahan ka Bay Bugs, bulahan ka sa mga tawo nga tanan, kay dili sama sa uban nakaila ka sa imong kaugalingon.
...than to speak out and remove all doubt." - Abraham Lincoln

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bugsay


Bulahan ka Bay Bugs, bulahan ka sa mga tawo nga tanan, kay dili sama sa uban nakaila ka sa imong kaugalingon.

sama ra sab gud ko nimo....nakaila sa atong weakness!!! bwahaha!
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hubag bohol


sama ra sab gud ko nimo....nakaila sa atong weakness!!! bwahaha!

At least ikaw ug ako, we have no delusions about ourselves, he he. ;D
...than to speak out and remove all doubt." - Abraham Lincoln

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bugsay


At least ikaw ug ako, we have no delusions about ourselves, he he. ;D

aw sa akoa nang giingon nga usahay motulibabag pod....ok ra seguro basta ginagmay lang...di palabian....
di man ta Perfecto, Bugsay ug Hubag Bohol man...nyahahaha.... ;D
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hubag bohol


aw sa akoa nang giingon nga usahay motulibabag pod....ok ra seguro basta ginagmay lang...di palabian....
di man ta Perfecto, Bugsay ug Hubag Bohol man...nyahahaha.... ;D

Bwahaha. Bitaw, lisod ning permi tang korek, Kiko ang labas. Mowitik lang gud ta usahay kon dili na kaantos. ;D
...than to speak out and remove all doubt." - Abraham Lincoln

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Raquelproud boholana

Kung ako pay nagbuot sa ahong swerte gusto ra jud unta ko sa atua. Makontento jud ko bisan gamayng butang. Kalipay ra jud naho manginhas,mag bungay bungay,mamayabas. Di man siguro gutman ahong mga anak ba basta magkugi raman. Sa daga pa ko dili jud ko ambitious. Basta naa ramay trabaho okey na.


Mag unsa na ang Pilipinas ug puro na abroad tanan unya wa nay nagtanum ug pagkaon? wa nay managatay,wa nay manginhasay. Salute jud ko sa mga nagpabilin sa atua.

"We may be surprised at the people we find in heaven. God has a soft spot for sinners. His standards are quite low"---Bishop Desmond Tutu


fdaray

Diri na lang ko sa 'PInas. THere's no place like home.
Life is what you make.
Kon naa kay gisoksok, naa kay makuot.

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Raquelproud boholana


Diri na lang ko sa 'PInas. THere's no place like home.
Tinuod jud na Sir. Tan awa ming naa diri sa abroad nag wish man gani nga unta naa ra diha. Tanang paagi buhaton aron maalim ang kamingaw diha,ultimo paka sa balanghoy isud pa bagahe kay aron itanum diri iyawat nalang mafeel at home pud. Kung mouli ko sa amoa naay moingon nga Lamia man ka oi tua naman ka sa america nagpuyo,motubag pud ko ug kamo maoy lami kay naa mo diri,swerte kaayo mo.
"We may be surprised at the people we find in heaven. God has a soft spot for sinners. His standards are quite low"---Bishop Desmond Tutu


Chongki

and to all who are working abroad......saludo mi ninyo.....mabuhay kamong tanan :)

taga tigbao


Working abroad or employed locally?

Why?

Kung enough ang suweldo diria, aw diri na lamang ko. If given the opportunity pud nga mag-abroad, why not. Pero mouli jud ko sa nasudnong Pilipinhon bisan pa ug patay na ko iuli. ;D
SALVE REGINA, MADRE DI MISERICORDIA.
VITA, DOLCEZZA, SPERANZA NOSTRA,
SALVE! SALVE REGINA!

Lorenzo


Kung enough ang suweldo diria, aw diri na lamang ko. If given the oppurtunity pud nga mag-abroad, why not. Pero mouli jud ko sa nasudnong Pilipinhon bisan pa ug patay na ko iuli. ;D

Bro, you should consider coming here stateside!

I pa toure jud na nako!

i-introducan ka nako sa amiga/amigo nako. he he he
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