It’s Never Too Late to Start Investing in Stocks

Investing in StocksAs long as you are still earning, “too late” don’t exist in the world of investing even if you’re on your late 30’s, 40’s or 50’s. But if you are on retirement age and haven’t invested on anything yet, then that’s the tragic truth where the words “too late exist. Investing can be done in many ways depending on one’s financial ability. Investing on properties or starting a business if we have the capital to start one without having to loan from banks are really good choices.
The investments I mentioned above obviously involve a huge amount of money to start with. But have you heard of an investment that requires only a small amount to start up with but yields big amount overtime? Well, if you are reading this post right now, you have one very good reason in the world to be happy, get excited and unleash in you that never-before-seen smile on your face. Why? Because what you’ll read as you scroll down this post will make you millionaire when you retire. Are you ready? [Read more…]

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Back in Penang, Malaysia

M/S Amusement World in Sweetenham Pier

M/S Amusement World in Sweetenham Pier

Watching the old yet elegant lady for the first time since I moved to another company about 8 years ago, memories from the good old days onboard the M/S Amusement World gushed in. There she was and less than a hundred meters away quietly berthed at port of Penang’s Sweetenham Pier. And there’s the ship’s mooring station at the stern with its winches and mooring ropes reminding me of the good old days onboard- barbecue parties, singing and dancing. Crew parties were often held here.
Looking farther away from the M/S Amusement World, you can see Penang’s medium rise buildings defining part of the city’s skyline. Unfortunately, I can’t find the photo where high rise buildings at the background showcasing another section of this multi – cultural city of Malaysia. [Read more…]

When Plan A Was Undoable, Plan B Came In

Colombo_cruise_berth_shopsColombo was another city in the ship’s string of voyages in Asia and another city for me to explore. So while still hundreds of miles away to Colombo, I already had in mind a lot of things to do ashore – city landmarks I must visit; local food to taste; and should I give tuk tuk (rickshaw) a try or just walked. I want to experience something of Sri Lanka other than just shopping; I want to explore anything and anywhere my wandering foot would take me in this huge and sprawling city.
The heat was excruciating when the ship arrived in Colombo. Well, what to expect, summer was at its peak. In the Philippine countryside where I grew up and lived, summer can be very hot but not as intense in Colombo. Though I have not thought of Plan B should Plan A becomes undoable, an unplanned Plan B just popped out from my head. Contemplating about the alternative that came to my mind, and YES why not! So, there I was in Colombo but not in downtown area but just few walks away from the ship. [Read more…]

Hong Kong International Airport, A World-class International City

Hong Kong International AirportThis is Hong Kong International Airport. It’s world-class, state-of-the-art and very very huge. Built on a reclaimed land area, the airport ranked as one of the world’s busiest airports.
I already have made several stopovers in this airport and for every stopover I made, I always find everything in the airport, from safety and security to amenities and services, at high level. I always find arriving Hong Kong International Airport very relaxing – from deplaning to boarding – I haven’t experienced the need to rush to catch for my connecting flight. Even if I only have an hour or less left for my next flight, I can’t remember I ran or worried that I might be refused boarding. Every movement in the airport are well organized and very coordinated – everything works very flawlessly. Was it because of the airport staff? Or was it because of the airline? Or both? I don’t really know. [Read more…]

Uligamu, Less Likely Place To be Around But It’s Paradise

UligamuIf Philippines’ beautiful resort island of Boracay is jam-packed with tourists and almost everywhere around is heavily commercialized, the remote island of Uligamu in Maldives is the complete opposite. It’s kind of one remote island – no hotels, no restaurants, no shops but thatched roof huts of locals – waiting to be uncovered.
Approaching the island from sea, white sandy coast surfaced from the horizon. Inching closer to the island, gradually unfold turquoise clear water and stretch of white sand beach. But not a single structure or any signs of civilization came into view except for the loose vegetations. If not of the ship’s state of the art navigational instruments, I might have second thoughts either we arrived on our intended destination or not. But we arrived not in the wrong place, we were exactly right on the dot – we arrived Uligamu. Ship dropped anchor at a safe distance away from shallow water and everyone gets to the island by the ship’s tender boats. [Read more…]

The Closest Thing to Home: Kabayan Hotel

Kabayan HotelThe name of the hotel was derived from a local term of endearment for fellow countrymen, which is synonymous to the Filipino term kapwa, meaning brother, sibling, or even kindred. It is a close bond or togetherness that comes with being part of the Filipino culture and race. With the common trend of Filipinos going abroad to greener pastures, it is this link that binds them together, making one feel that they are not alone.

And with that, Kabayan Hotel exemplifies the spirit of homeliness, with its quality services, accommodations, and friendly staff. Each of its 276 rooms is designed for simplistic uniqueness that is usually embedded in the Filipino culture, as well as the comfortable functionality of being at home in one’s country. [Read more…]

Texas Street, A Pulsating Nightlife Destination in the Land of Kimchi

Texas Street

There’s a lot to experience in Busan. From dining and shopping to clubbing and bar hopping, Busan offers many things to do even after sunset. So when I took a short break working on cruise vessels and decided working on cargo ship (at least for one contract) sailing mainly around Asia, I finally had my chance to experience Busan – not on its attractions at the forefront but to the back alleys of Texas Street, a commercial street popular to local residents, foreigners and merchant sailors. [Read more…]

OMG! I Arrived Cebu On A Cruise Ship!

sinulogI’ve been in Cebu countless times – on several trips with my grandma when I was still a kid; few times when I was in college; lived in the city for few months when I took review classes in preparation for PRC (Professional Regulation Commission) board exam; once with my wife and kids on vacation; two years ago as crew member of a cruise ship; and thereafter, few times in a row – work related or for pleasure. So I would say that I am familiar with almost every corner around the city.
I don’t know how or why but I always find every visit in Cebu interesting and exciting. So when I learned that my next ship assignment had scheduled stopover in Cebu City, the more I became so revved-up and was so excitedly looking forward for that day – never in my imagination occurred that I will be visiting Cebu as crew member of a cruise liner. [Read more…]

How To Start Building Emergency Fund

emergency_fundWhat is emergency fund? It is important to know by heart what this thing is all about otherwise we won’t be staunch to effectively save up for this purpose. The amount of cash set aside for any unexpected costs like illness, something wears out that needs immediate repair and all other financial surprises that comes into our way is referred to as emergency fund.
Whether we like it or not, emergency can come into our way anytime of the day and without sufficient fund reserved for times like this, is absolutely stressful. So, here comes the crucial QUESTIONS – ‘Are you prepared to handle that stress?’ or ‘Are you financially prepared to cover emergency expenses?’ [Read more…]

Shanghai’s Pudong District, So Close But Out Of Reach

pudong_skyscrapers_shanghaiOne of the many destinations I wanted to visit is Shanghai, the largest commercial center in China choke full of gleaming skyscrapers dominating the skyline. Yes, I am a big Sim City fanatic. I played Sim City 4 before and now with Sim City 2013, I remain a hard working city mayor. During the game, I always patterned my city layout between these two cities – Shanghai or New York. So when the ship visited Shanghai sometimes in the summer of 2015, for the first time I finally had seen in person the very city influential in the game. [Read more…]

Exploring Old Town of Riga

Riga Cathedral

It’s not the ship’s first visit in Riga as the ship had already made several calls to this port in the past. It may not be the first visit for the ship, but for me, it certainly was my very first – my first time to explore Riga on foot and see some of the city highlights.
The sights of Riga are not those typical sights very common in modern day cities because what Riga has are those sights from hundreds of years ago. From medieval churches and castles in the Old Town to many other structures built in later periods, Riga offers a wealth of interesting spots to discover and explore.
I went ashore and explored the city, particularly in the Old Town. Time ashore was so short or not long enough to explore more around the city. But I knew how to make the most of it – by simply enjoying the panorama of the city. [Read more…]