Friday, April 06, 2018

Frances Finds: Manulife GradMaker app to make college tuition not so scary

The school year has finally ended! Let me tell you, mamas, that when I paid the last quarterly installment of my boys' tuition, I literally felt weak in the knees as I stood at the cashier window of my sons' school. "Nakaraos din," I breathed out and I felt a bit like crying, too. I'm not being melodramatic. Last year was tough financially mostly because clients weren't paying on time. Plus, I was sick a lot and busy with the kids too much to take on more projects that could've eased the money situation. Only by the grace of God that we made it.

And while I'm again breathing a sigh of relief that summer has come and I won't be so caught up with the boys' activities (which hopefully means I can focus on making more money), the summer only lasts 2 months. After these short months, it's tuition time again and now I'll have 3 kids in school. Three little boys who are so smart and deserve the best education, an education that costs a lot of money. 

The climb to success starts with a good education.

I seriously get terrified thinking of the next 20 years. I mean, people worry about their kids' college years but where my kids go now, the tuition is already a lot. So I'm not even thinking of college yet—so far off into the future—because I worry if we can afford their basic education now! I have to keep reminding myself to take it one day at a time and trust God to provide. 

I was forced to think about the boys' college tuition when I attended a Manulife event launching their new app, the GradMaker, and introducing their new brand ambassador, Bianca Gonzalez-Intal. It was a small event, very intimate. Bianca and the Manulife officials went to sit at every table to answer questions. So in that setting, instead of volunteering to go up to a mic and asking in front of the whole audience, we were really able to throw questions at them. 

L-R: Mommies Michelle Aventejado, Bianca Gonzalez-Intal, me

Bianca sat and ate her lunch beside me—I know her from my magazine days when she was a Candy Girl and then a Preview Girl—so I was able to whisper personal questions to her, too. Not revealing those! But anyway, Bianca told us how she valued her career so much and that she and her husband, JC, are working so hard now so that they can send their kids to their alma mater, Ateneo. Why? Because by the time their baby girl gets to college, P3,000,000 na ang tuition! That's the total for a 4-year course naman. Let's not panic. 

THREE MILLION PESOSES! Panic!!!

Bianca said she loved how the app was so easy to use and when we saw a demo, it really is so easy to use! Check it out: 


You can get a Manulife GradMaker policy on your phone! You can pay your premiums on your phone! You can see how much your investment is growing in real time on your phone! What! I love it!

To start an investment, you need at least P10,000. You don't have to pay every month or even every quarter. Just every time you have 10K extra, you can put it on your policy and see your money grow. Syempre, the more P10,000 you put in, the faster your college worries will disappear!

I don't have money right now to actually get three policies, but I downloaded the app anyway so that when I do have an extra P30,000 lying around, I can put it towards my kids' college education. To be honest, I'm not aiming for Ateneo. I studied in UP Diliman and I am so very proud of our legacy of free thinking, resistance, and uprising. I want my kids to be steeped in that culture of defiance, too. In 10 years, a UP education will cost just P800,000 (vs Ateneo's P3M yo!) so that's a big plus. But I guess it's a good idea to save up for a pricier school anyway. Just in case my boys would rather go to the AreNEyo (my husband is from ADMU so this is me teasing him).


To learn more about this fantastic financial tool, visit the Manulife website. I highly recommend you check out the Manulife GradMaker app, mamas. You can download it from the App Store or from Google Play.


*GradMaker is a Variable Life Product. This post is brought to you by Manulife.

Wednesday, April 04, 2018

You know your life is complete when...

Vince and I are super enjoying Netflix's shelter show, "World's Most Extraordinary Homes." If you have Netflix and don't know what to watch, I'm sure you'll like this. I don't know any mommy who doesn't like looking at other people's houses!

It's fun seeing other people's dream homes and judging if these people have taste or not haha One thing they do have is lotsa money. These houses are crazy! And yes, the show inspired me to blog about it. Ya know, my home may not be huge and my bank account may not be awe-inspiring but I do love my life. It's very happy and full. Messy and chaotic at the moment because of the kids, and a little worrisome sometimes because of all the bills, but it is full of love and joy. And that makes my very ordinary life extraordinary!

I don't have everything I want but I have everything I need. Sometimes I even think that if I ask for more, then I'll be greedy and greed is a sin. To paraphrase an old country song, I have four walls, three kids, two hearts, one love. What more do I need? My life is complete.

Of course, I still have dreams, but my dreams now revolve around the happiness and success of my husband and our three boys. I work now because I want to support them. There is a certain peace that comes with just working for others. If you had told a younger me that I'd come to think this way in my 40s, that younger me will scream in fright or anger or despair. I don't know. I'm a different person now. My career dreams already came true more than a decade ago. It was fantastic while it lasted. It ended and I loved it. I had my chance at career happiness and I'm grateful. So now I just want to devote myself to work that puts food on our table and sends my kids to school. There is a nobility to that, a simplicity, a different kind of joy that brings me so much fulfilment. Growing up I was always told, "Find a job you love and you'll never work a day in your life." And yes, that was true. But this, at this stage in my life, is also so true: "Work every day of your life so you can give everything to the people you love." It's beautiful, this selflessness that I finally finally (and never thought I would) have.

Anyway, thanks for sharing my journey with me! If you've been around since the start of this blog, you know I've always been selfishly devoted to my career. I love working! I love earning money! So I hope you're proud of me that I'm changing. I still love working and I still love earning money but now I do it for love of others. 

Here's a guest post about how you'll know your life is complete, mamas. Enjoy!

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There are many people who struggle when it comes to knowing when to relax and enjoy the fruits of their labor. For instance, think about how many individuals you know who keep moving through the ranks at their workplace and gain extra qualifications until the day they retire. Those folks never have time to enjoy their achievements because they’re always looking to succeed at something else. However, money and job progression isn’t everything in life, and sometimes you need to put things in perspective. Regardless of what else is happening at the moment, you know your life is complete when… 
They make my life not just complete but so extra!

You’ve found someone who loves you.
Human beings are needy creatures, and they continually seek the approval and reassurance of their peers. However, humans also have a sincere desire to feel love and affection from others. You know your life is complete when you find someone who’s willing to spend a couple of months salary with specialists like 77 Diamonds, pop the question, and then spend the rest of their lives making you happy. Be aware that some people go through life without ever meeting that special someone, and that could happen to any of us. So, think yourself lucky for what you have. 

You have an excellent group of friends.
What are the most important things in life? While some people might argue they are fame and fortune, others know that it’s friends according to the guys at the Huffington Post. If you don’t have a fantastic group of friends around you at the moment, that is something you need to change as soon as possible. If you’re one of those lucky people who’s had the same mates since they were young’ your life is near to being complete. Those people will be around when you need them most, and so you will always have support or a shoulder on which to place your head. 

You live in your dream home.
While it’s slightly materialistic, most people would agree that buying a comfortable home in the right location is one of the most critical milestones in their lives. If you live in a suitable property at the moment and you plan to stay there indefinitely; there is a decent chance your life is near to being complete. Your dream home should contain all the elements you imagined when you were young. Maybe you used to dream of having an indoor pool or something similar? Perhaps you wanted to live in a bustling city like London or somewhere like that? When you achieve all those goals, you know your life is complete. 

As you can see from the information on this page, lots of people have different ideas about what the perfect life involves. However, if you have somewhere warm and safe to live, someone who loves you, and lots of friends to call on the telephone whenever you need a chat; you’re richer than some of the most wealthy people in the world. So, consider yourself lucky, and make sure you never mope about your situation again. 

Enjoy your life!

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I like that: "If you have somewhere warm and safe to live, someone who loves you, and lots of friends to call on the telephone whenever you need a chat; you’re richer than some of the most wealthy people in the world."

Truer words were never spoken!

But if you do feel like looking at how the 1% live, turn on Netflix and watch this fantabulous show!


*This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates.

Thursday, March 29, 2018

Pros & Cons of Returning to a Former Relationship

Marriage, or rather the failure of it, is quite the topic these days. Recently, a celebrity stylist introduced her child to the world and people were horrified—not because she had a baby while unmarried but because the father of her baby was still very much married. No one likes a homewrecker. Not ever and never ever. Also recently, it looks like divorce will finally be legal in our country. So there's a lot of talk on how that is good news and bad news.

I'm a great believer in marriage and that is why I never wanted to get married because it honestly is an institution meant for superhumans. Marriage is HARD. But I also believe that it's one of the most beautiful things about the human experience, and so I am glad I did get married. Even when being married is not easy.

That said, I will always support divorce as a civic right. As I said, marriage is for superhumans and I don't know any superhuman haha. Joking aside, even though I believe in marriage, I also believe that people should feel safe and secure. Anyone who feels threatened and abused in a marriage should have the option to leave it. A marriage should be a good thing so if it is a very harmful situation, a spouse should be legally allowed to leave for his or her (usually her) and the children's safety.

I'm glad that our divorce bill allows for a cooling-off period because I believe that a couple should work out their differences. (Except when there's abuse. Leave. Period!) Sometimes time apart helps a husband and wife realize what the problem is and they may forgive and try again.

What do you think, mamas? What do you think of the divorce bill? What will make you leave your husband? Will you forgive your husband if he had an affair?

Anyway, I'm publishing a guest post because I think it's relevant today (coincidentally, it's the season where we're all asked to forgive so...). Tell me what you think!

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The decision of whether or not to return to a former love can be a challenging one. At one point or another, everyone is likely to have weighed up the pros and cons in their mind of going back to a past flame. Well, in this article, we are going to weigh up some of the main ones. If you are currently going through this dilemma, hopefully, this article can go some way towards making this decision just a little bit clearer to you. So, without further ado, let’s get started.

Reasons Not to Go Back



First of all, when you go back to an old relationship, it is very difficult to recapture the initial rush of excitement that you had in the first place. If you are planning to give your ex another chance, don’t dive straight back into a full-on relationship. Instead, you should meet up on a more casual basis to find out if what you once had is still there. Another reason not to go back is that you are doing it for the wrong reasons like because you are simply feeling lonely. Though going back to a past lover may provide a temporary fix, you are unlikely to get the long-term fulfillment that you are looking for.

If the reason that you broke up in the first place is that the other person hurt you in a major way, you need to be totally confident that they are not going to do the same thing all over again - something which is very difficult to achieve. After all, you don’t want to end up getting taken advantage of all over again. Finally, if you go back to a former relationship, you have no room to meet new people and perhaps grow and develop yourself.

Reasons to Return



There is a power in forgiveness, and if you are sure that you can move past what went wrong in the first place, you may find that this is the right path for you. Perhaps the other person has undergone some profound changes in their life after losing you. However, if you are the one who did wrong, it may be worth taking a look at Get Your Ex Back: Super System Program. There is always the danger that if you don’t give it a go, you may end up regretting it.

There is always a chance that you vow to do things better the second time around. You can learn from your past mistakes and establish a relationship which works better for the two of you. You may have both had the chance to grow and develop, and you are bringing these positive changes back into each other’s lives.

As you have probably gathered, the decision to bring a past lover back into your life is always going to be somewhat of a gamble. Ultimately, it is all up to you as to whether it is one that it worth taking or not.

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates. Photo 1 and 2 from Pexels.com.

Friday, March 23, 2018

What's your #MeToo story, working mama?

Unless you've not been paying attention to the news, there is a bold and loud change happening in Hollywood and all over the world. It's the #MeToo movement, which is women very publicly sharing their stories of sexual harassment at the workplace. Famous women like Uma Thurman, Gwyneth Paltrow, Angelina Jolie, Taylor Swift, Cara Delavigne and many more shared their stories and these definitely made headlines and magazine covers, propelling the movement and making that hashtag go viral.

People can't stop talking about it because most working women have a story to tell. And many from all ages, economic backgrounds, races, and industries did. The first few stories were enough to unleash a storm of other stories so silently endured because women were afraid and ashamed. Well, not anymore!

Read the story on TIME.com

I've been meaning to talk about the #MeToo movement here on the blog because this is a working mama blog, but because I've never actually experienced sexual harassment in any of my workplaces, I didn't think I could. Well, the recent awards shows in Hollywood was all about ending sexual harassment in all industries and the fact that this month is International Women's Month makes this as good a time as any! So please let me say something and I hope you can say something, too.

I've been very fortunate to have worked for female bosses nearly all my life. There have only been three times I had a male boss. One of them gave me a really romantic gift and I resigned soon after in horror. I don't want that kind of shit in my working life. My husband still teases me about the gift because even he thinks it's so romantic. Now, I acknowledge it was so easy to resign because the job didn't pay well and I didn't like the work anyway. I was young and didn't really care for anything so I got off easy.

Many women don't have it that easy. Many women can't walk away from a job because (a) it's their dream job and/or (b) they have mouths to feed and bills to pay. It's easier to take the abuse sometimes if you're convinced it's part of the package (i.e. the notorious casting couch) or if you're doing the job because people depended on you. It's also harder to say no to an abuser if he threatens you or your family. I know many girls who were forced in these situations. They are good girls, wonderful women.

That's why whenever I see condemning comments on these #MeToo news, I get really upset. You know, the ones that go, "Why didn't she just quit her job? No dream job is worth it! If she really hated it, why didn't she just leave? Why didn't she report it the first time it happened? I would NEVER do that! Women like that are nothing more than prostitutes."

Well, they all have a point and yet it's really not that simple. As for prostitution, let me just say that when I was in college taking up Creative Writing, an alumni talked to our class and we were so eager to listen to him. All he did was dash our dreams when he said, "If you write for anything else that isn't from your muse, if you write for money not for your art, if you accepted payment from a client, if you work anywhere that you don't like, if you even did something for your boss that isn't part of your job description, you just prostituted yourself."

Full disclosure: I write for money. I'm not ashamed of it, too. I'm pretty proud of the fact that practically every word I've published has given me a really nice life. Not all of us can write for free, ya know. Gotta feed the kids and send them to school. So prostitution is a strange word to use for working women although I know a lot of conservative men who think that any woman who works for money is little better than a whore. That's why a lot of men think they can harass women at work. They think no man is looking out for her, that she'd do anything for the money because she needs it, that she's game. And we women, we've been taught to smile, to accept it, to be flattered by it, and most importantly to never ever talk about it.

Well, no more!

I guess all I want to say is that sexual harassment and abuse of women is evil, and there is a special kind of evil when working women, especially working mothers, are subjected to it. There is immense power the abuser exercises over us when they know we really really want this job or that we really really need it because we have children. These predators prey not really on our bodies, but on our dreams, our hopes, and our need to provide for those we love. It's a sad story from the dawn of time and it's still a story we hear today.

And you know what else is evil? When we do succeed in our work but no one believes it's your talent and hard work that did it. They all think it's because of the sexual relationship—it's never rape or harassment to them because the woman "agreed" to the sex. So now the successful woman starts to wonder if what these people think is true: "Did I get the job because I was the most qualified for it or because I did that horrible thing? Did I get promoted because I brought in a lot of money to the company or because I did that horrible thing? Is my success real or is it all a fraud?" And now the dream, the hard work, the success—all that is tainted. What an evil thing to do to us!

I'm so glad that this #MeToo movement is rocking Hollywood right now. It's changing everyone not just in Hollywood or in the US, but all over the world. Many countries are now talking about the problem of sexual harassment at work and how to deal with it. The #MeToo movement is making women think we don't have to take sexual harassment. It's changing the way we think of men and women and the workplace, that these things aren't normal and part of the job, that these things are evil and must be stopped. It's making men think that they can't do this anymore because we women won't have it and we will talk about it, maybe even shame them, maybe even have them arrested. In fact, so many men (producer Harvey Weinstein, TV host Matt Lauer, actor Kevin Spacey, Uber CEO Travis Kalanick, etc) have lost their jobs and their positions of power because of this movement. Good riddance!

I'm sad that all these stories are so horrifying but I'm glad they're all coming out. We need to talk about evil because silence is how it does its work best. Now that we have a voice, we need to trumpet out that we're not taking this anymore. What a wonderful time to be a working woman!

Thursday, March 22, 2018

How Your Appearance Has the Power to Affect Your Success

Hi mamas! I'm publishing a guest post because this is something I know all too well. We all know we have to dress for success. There was just one time that I got the job on sheer talent alone. That job is when I applied for a magazine position. It was a surprise interview and I went to meet with the publisher and editorial director wearing a tank top, ratty jeans, and completely makeup-free. I seriously didn't think I'd get the job since the publisher asked me how long ago was college. I was 29 at the time so that question wasn't to flatter me. But get the job I did.

Now to keep the job, I had to dress up. Meetings with advertisers, lunches with PR managers, photo shoots, celebrity interviews, TV guestings, and countless events. I had to look the part of a glamorous editor in chief. Thank goodness that part of my life is over because high heels are really painful to wear!

I interviewed Dr Aivee Teo and I still don't know why I dressed up when I'm not the celebrity.

And yet, as a blogger who earns from brand ambassadorships, I also learned that just because I work behind a screen doesn't mean I can neglect my appearance. I still remember when offers for brand ambassadorships fell drastically when my face exploded in pimples. A literally ugly and painful reminder that in this world, looks are a big deal. 

Anyway, check out this guest post about how your looks can affect your climb up the ladder of success. I think it's very helpful!

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Did you know that your look and your appearance affect your success? This might sound obvious, but do you know the exact reasons why it happens?

Everyone knows that successful entrepreneurs and business owners all ensure that their appearance is spot-on before they make a public appearance, but why exactly do they do this? There are many small things that add up and change the way we approach life, and in this article, we’re going to explain how your appearance is a powerful tool that can help you progress in life and further your career.

Your Appearance Inspires Confidence
Confidence is one of the biggest factors when it comes to running a successful business or building a thriving career. Confidence enables you to make decisions without doubting yourself, it helps you network with important industry figureheads and it also gives you more opportunities to develop yourself and grow your brand, be it a personal one or your business’s brand. There are many simple ways to boost your confidence using your appearance, but the most important one is to focus on comfort.

You don’t have to always wear a suit just to look good. If you don’t feel comfortable wearing formal clothes then why bother? You want to feel comfortable at all times, not like you’re being forced into wearing something just for the sake of your work. Instead of conforming to stereotypes, focus on your comfort. Wear what you want to work (of course, if you’re allowed to) as long as it empowers your ability to work hard.

Confidence isn’t something that naturally comes to you. It’s something that you need to get out there and grasp. Your appearance is something that you can easily change with a bit of styling, a new wardrobe and, most importantly, by improving your posture. Someone that is wearing an expensive suit but constantly slouching and looking down will always appear less confident than someone wearing a tracksuit at work who is always standing up straight and looking positive.

In short, your appearance has a huge effect on your confidence. Don’t neglect the importance of it and focus on the benefits it can offer you. It might be scary to inspire such a drastic change, but it’s important to get yourself out of your comfort zone so that you can embrace new changes in life and get used to the unknown.

Your Appearance Gives a Good First Impression
In the world of business, first impressions count. In fact, some relationships are going to be entirely defined by the first few moments you have with someone new. In business, there are too many people that want to make it big and sadly, the world isn’t big enough for all of them. As a result, you may find yourself struggling to find success. This is why it’s incredibly important to establish a good first impression, and this is where your appearance will come in handy.

Everything from the way you dress to the way you present yourself is going to have a profound effect on people you meet. If you’re well-dressed in a suit with a clean haircut and modest makeup, then you’re going to appear much more professional than someone who shows up in jeans and a hoodie. If you’re aiming to impress people, then it’s incredibly important that you analyze the situation you’re going to be in and dress appropriately. Is it a business meeting with big-name investors? Then you’ll want to dress smart and look the part. Is it just a casual meeting with colleagues? Then you might be able to get by with a casual look. It all depends on the situation you’re going to be in.

However, there are times when breaking the mould can create a bigger impact. For example, if you really don’t like wearing suits and dressing smart, then why bother? If you’re going to work with investors, then you don’t want to feel inferior or uncomfortable around them to a point that you’re dressing differently just to impress them. If you can’t stomach adapting to your environment and wearing a suit just to fit the mould that is expected of entrepreneurs, then you don’t need to. Make sure you’re comfortable no matter what you do to your appearance, otherwise you’ll lose your confidence and make an even worse first impression.


How to Improve Your Appearance For Success
So now that we’ve discussed two major points and talked about how your appearance can affect your success, we can move on to a few tips that will help you build your personal image and help you achieve success.

Focus on comfort. Comfort is the ultimate goal when it comes to dressing for success. You need to feel empowered in the clothing you wear, the accessories you adorn yourself with and the makeup you put on. You also need to focus on your hairstyle as well. From a lob haircut to a smart ponytail, focus on your entire appearance and not just your clothing. If you feel comfortable looking at yourself in the mirror, then you’ve completed the first step.

Adapt to the situation (within reason). Attending a fancy party with big-name investors in suits and dresses? Try and dress appropriately by wearing a suit, a modest dress or something along those lines. Showing up to work to give your employees a speech? Dress however you want and inspire confidence not with your expensive suit, but your general attitude and appearance.

Brands aren’t everything. You don’t need to focus on brands. They’re expensive, pointless and ultimately a waste of money. Focus on quality, comfort and fit.

Focus on the fit. Speaking of the fit, never wear anything that is too baggy or too tight for your body.

Hide your skin. And to add on to the previous point, make a habit of hiding your skin. Showing your arms is acceptable and showing a bit more skin when the weather is hot is fine, but don’t go overboard.

Don’t overdo your accessories or makeup. When it comes to going overboard, the easiest way to do this is with accessories and makeup. Stay modest with these. Choose accessories that are small enough to be noticed but don’t draw attention away from the rest of your appearance, and apply makeup that is subtle but still gets the job done.

No visible wrinkles. Make sure you iron your clothes to keep them fresh and free of wrinkles and creases. If you’re going to show up to a public event, then you don’t want to look like a ragtag mess.

Smile more. Lastly, make sure you smile. It will make you more approachable and help you feel more comfortable in your current situation.

Some Final Words
As you can see, your appearance has a huge effect on the way you’re perceived and the way you act. Confidence can be built from just your appearance alone, but you shouldn’t approach this blindly by trying to adapt to everyone around you. Building your confidence can also mean feeling comfortable in the clothes that you personally like, or the hairstyle that you feel is most practical for you. So whether you’re the type to wear jeans and a sweater to work or the type to wear a dry-cleaned suit, make sure you’re comfortable with your appearance to improve your chances of being successful.

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates. Photo from Pexels