Tuesday, August 20, 2019

PH Real Estate Leaders to Investors: Diversify with REIT

Real Estate Investment Trusts in the Philippines is on the rise, as more companies look to raise capital to fund and promote real estate investments among the public. With the strong support of stakeholders and the government, Filipinos can look forward to REITs as innovative options to diversify their investment portfolios.

Lamudi held its third installment of The Outlook Media Roundtable Series for 2019, “A Collaboration Towards Economic Prosperity: Understanding Real Estate Investment Trusts for Investors”, in partnership with Colliers International Philippines, Subdivision and Housing Developers Association, and Holcim Philippines, last August 6 at the Makati Shangri-La.

Lamudi concluded the third installment of The Outlook Media Roundtable Series 2019: “A Collaboration Towards Economic Prosperity: Understanding Real Estate Investment Trusts for Investors”, in partnership with Colliers International Philippines, Subdivision and Housing Developers’ Association, and Holcim Philippines. Moderated by Lamudi CEO Bhavna Suresh, the discussion offered insights on how REITs benefit not just the real-estate sector but the economy at large, and how it enables every Filipino investor to invest in high-value real estate assets.

Empowering the Investing Public

Mr. Joey Bondoc, Senior Research Manager of Colliers International Philippines

Joey Bondoc, Senior Research Manager at Colliers International Philippines, noted that REITs empower the individual investor by democratizing the property market and allowing investors to own a piece of property even when they don’t have the means to buy the entire building. “They just have to buy into a REIT company because the REIT company is obliged by law to pay 90% of net income as dividends — and that goes to the investor,” Bondoc said.

Ms. Hannah Yulo, Chief Investment Officer of DoubleDragon Properties Corp.

A REIT is also seen as a less risky form of investment and less susceptible to speculation. Hannah Yulo, Chief Investment Officer of DoubleDragon Properties Corporation, said that REIT is a great opportunity for equity investors to diversity their local and global portfolios. “REITs answer investors’ demand for a tax-efficient and yield-driven vehicle as they provide greater liquidity and more stable return,” Yulo said.

Mr. Gary Hablero, Director for Commercial Investments at RE/MAX Capital

Gary Hablero, Director for Commercial Investments at RE/MAX Capital, emphasized how REIT is a viable investment for those who are saving for retirement. “If you are going to retire, and you want liquidity, REIT would be the best option for you because you get cash flow regularly. It may be annually, semi-annually, or quarterly,” Hablero said.

Mr. Reggie Cariaso, Head of Strategy, Products, and Support under the Corporate Banking Group of the Bank of the Philippine Islands (BPI) 

Asked how the everyday investor can get involved, Reggie Cariaso, Head of Strategy, Products, and Support under the Corporate Banking Group of the Bank of the Philippine Islands (BPI), said it depends on the unit price on the stock market. “On average, the minimum investment is from Php5,000 to Php10,000. It’s very affordable from a quantitative standpoint.”

Boosting the Philippines’ Capital Market

Colliers noted that the growth of office rents over the years makes office buildings an attractive asset class to list under REIT. “By 2021, we expect around 14 million square meters of leasable office space in Metro Manila, 30% higher than the fourth quarter of 2018,” Bondoc said. He added that from 2019 to 2021, Colliers projects an annual vacancy of 6 percent.

More offshore gaming, multinational, outsourcing companies, and flexible working space operators are expected to sustain the huge demand for office space. The government’s infrastructure push also presents a big opportunity for developers to transfer their assets into REIT.

Colliers also noted that REITs benefit developers through generating funding that can be used to expand the real estate sector in key cities outside Metro Manila such as Cebu, Bacolod, Iloilo, Davao, Cavite, and Clark in Pampanga. This will be crucial in light of the government’s order to stop the processing of economic zone applications in Manila. Colliers emphasized that boosting economic activities outside the country’s capital will make up for any decline in outsourcing and technology-related investments in Metro Manila.

Hablero said that the behavior of the market is changing because of the requirements of a freelance economy. “The growing demand for shared offices should drive developers to acquire co-living and co-working facilities that could be diversified into REIT.”

Pushing the REIT for Economic Growth

Certain restrictive policies in terms of the required minimum public float of a REIT, provisions on value-added tax, and public ownership rules that require companies to relinquish their control over the REIT company make firms hesitant to diversify into REIT. But the government has moved to amend rules, starting with the elimination of a tax on the transfer of properties into a REIT. Developers are still lobbying to relax the 67% public float that a REIT must meet within three years or face taxes.

Colliers noted that harnessing the full potential of the REITs will make the Philippines at par with other Southeast Asian markets like Indonesia, Malaysia, and Singapore, which already have listed REITs. “If we look at the financials of public-listed property developers in the Philippines, given the existing capitalization rates, developers could flow it at around $10 billion worth of property at par with what Thailand and Malaysia have already divested,” Bondoc said.

Cariaso said that overtime, REITs in various markets become significantly less volatile than other regular property stocks.  He noted that REITs are not only limited to office assets, as other assets like malls, energy, infrastructure, transportation, hospitals, schools, and tourism have also been converted into REITs in other countries.

Bhavna Suresh, CEO of Lamudi, moderated the media roundtable discussion. The panelists of the media roundtable were Joey Bondoc, Senior Research Manager of Colliers International Philippines; Reggie Cariaso, Head of Strategy, Products, and Support under the Corporate Banking Group of the Bank of the Philippine Islands (BPI); Hannah Yulo, Chief Investment Officer of DoubleDragon Properties Corp.; and Gary Hablero, Director for Commercial Investments at RE/MAX Capital.

Friday, June 14, 2019

5 Types Of "THE ONE" You Will Meet In The Office

According to Barney Stinson from ‘How I Met Your Mother’, an employee must have a thing to offer in a company that no one else does to be considered valuable. You must be an asset (like Food Guy, who became a regular employee for bringing everyone delicious food in the office every day) so without you, the office wouldn’t feel the same.

However, every office tells a different story—from the guy who annoyingly talks too loud (enough for the whole pantry to hear) about John Wick 3 spoilers but continuously miss his deadlines to the boss who takes all the credit on a business plan you have been pouring your remaining brain cells out for weeks. These kinds of colleagues are all over different office settings that will drain your long patience and self-control.

But there are also officemates who become ‘The-Ones-We-Go-To’ for everything. Those we ask from the simplest of things like a staple restock to some of the most confidential ones such as data records. If you have been in the corporate world for some time now, you’ve probably figured out who we’re talking about. Otherwise, we’ve wrapped up who these go-to people are who bring solutions to almost every problem in the office:

The one with the list. Ever wonder who keeps track of all the times you’ve been late because of EDSA traffic? Or how does the pantry gets magically restocked just in time for Petsa de Peligro? Apparently, somebody does have a list of every single thing in the office. They are in charge of who borrows-which, who comes early or late, and who doesn’t even come to the office at all.

So don’t feel bad if you still have to fill up a borrower’s form for the projector next meeting, their job is not only to track what’s inside the office but also to keep it. If there’s a missing thing on the list, no matter how small it is, it’s on them. They are the one who makes sure that the office is equipped to function. Pro tip: they are also the go-to person whenever you want something on the pantry list.

The one who reports. This one looks all too familiar—coffee induced, intense eye-to-eye with the computer screen, a pile of papers on the desk and a telephone on hand—possibly up since last night to attend a client call overseas. They’re either doing reports or passing them to the big boss. They manage the schedules of every employee, day-shift to night-shift.

This person knows how the business of the company works the most because they report directly to the bosses to do errands for them. They handle your pay slips as well. Although they may look unapproachable, they are the ones to go to whenever you need insights on a report you’re working on—given that they don’t have a lot of work on their plate. If this doesn’t scream big power energy to you, I don’t know what will. Pro tip: They’re suckers for coffee.

The one with the tea. Conflicts in the office are unavoidable. This may root from that guy who likes snatching everyone’s ideas, to the newly-hired who is not fit for his current role, to the general manager who shouts at everyone and embarrasses employees. Yikes.

There’s got to be a middle man especially when voices are already being raised and the office ambiance feels like a swirling pool of toxicity. This is when the mother-figure of the office comes thru to sort things out. The one who knows all the office drama but is logical enough to be able to patch things up. The one in charge of the employees’ relationships provides short-term and long-term solutions to these conflicts, either big or small. They also handle the benefits and incentives of everyone in the office. S/he is the Gabby Salazar of each office. Pro tip: They give good advices!

The one who knows everyone. If there is a work dilemma we’ve all encountered, it’s our first day in a new office. We don’t know what to really expect. We know no one. We’ve all had crumbly legs while in the elevator, hoping we won’t do anything stupid. Work adjustment stage is hard. You’ve got to know who your colleagues are and at the same time familiarize yourself with how the company works. But we’ve all been guided by someone. It can be the one who accompanied you on our first-day lunch. Or your desk-mate, whom you have the same TV series preferences with.

When we were introduced table by table, it doesn’t really stop there, does it? Soon you’ll get to know how the company works after knowing who these people are. Things like, ‘Who is it working for?’ ‘How does it become successful to last this long?’. Then you’ll realize that billionaires will not be able to manage a business with just their money alone. They need their people and of course, a dependable process.

The One. This is why Workboard.ph is born out of the creative minds and genius programmers of MnK.Soft Corporation. Workboard.ph is the one solution that small to big businesses are looking for in handling office management faster. It is a web-based program designed not just to deliver company reports, keep inventory requests in order and manage employees’ information. Workboard.ph is also your online business manager—it does all the organizing for you so you won’t have to worry about heaps of paper to pass and shred—whether it’s a rushed report needed to be submitted before the clock hits 8 o’clock after working for 16 hours straight on another report. Workboard.ph doesn’t just apply to big businesses but to every business out there.

Learn more about Workboard.ph at:

MnK.Soft Corporation
Discovery Centre #25 ADB Ave.,
Ortigas Center
Pasig City

WEBSITE: https://mnksoft.com.ph

Friday, May 31, 2019

Lamudi Hosts First Lamudi Link Broker Networking Night

Lamudi partner brokers and agents gathered together for a fun night of learning and networking for Lamudi Link, the real estate platform’s broker networking affair. The first installment of Lamudi Link happened last May 16 at Pedro Tap House at the heart of Makati’s hippest district, Poblacion.

Lamudi Link was created for partner brokers to get acquainted and possibly explore business prospects with each other. The networking series was also aimed for relationship-building between Lamudi and its partner brokers in a relaxed and casual environment, as well as an avenue for knowledge-sharing.

“We call our broker clients partners because that is how we see them—partners. And as partners, we want to continuously foster a good working relationship with them. Lamudi Link is our way to get to know our partners more and to give them a chance to mingle with like-minded professionals, pick up some learning from each other that can be applied in their respective careers,” Lamudi CEO Bhavna Suresh said.

More than a networking event

Networking with fellow brokers may be the highlight of the night but Lamudi Link also made room for learning as Lamudi Academy’s Learning and Development Coach Nadine Pacis gave brokers some pointers on closing leads efficiently, maximizing the Lamudi platform to their advantage, as well as an overview of the new rising segment of the real estate market—the millennials.

“We are encouraging all our partners to find time to attend these events. Not only will they expand their networks, but Lamudi Link is also a welcome break from working hard,” Ms. Suresh said.

Thursday, May 30, 2019

12 Best Business Ideas for OFWs That Will Give Them Sure Profit

One of the smart ways to earn bigger income na madalian sa mga hindi nakapagtapos ng pag-aaral ay ang pagtatrabaho sa ibang bansa. This is the best option sa mga pamilyado na gustong mapataas pa ang income at makapag-ipon ng pera pang-puhunan sa negosyo sa ikling panahon.

I have seen na marami nang mga tao ang kumikita sa mga negosyong 'to after nila maka-ipon ng sapat na pera pampuhunan ng negosyo para sa kanilang pamilya.

While they are working abroad hindi lang sa allotment naka-depende ang kanilang pamilya na naiwan sa Philippines, kundi meron itong pinagkukunan ng pera dahil may business sila. Ginamit lang nila ang pag-a-abroad as source of capital. Sa ganito, napaaral nila ang kanilang mga anak sa desente na school. At kung mag-resign o mag-retire na ang OFW na nagtatrabaho, wala na itong pinoproblema kung wala na siyang trabaho.

Rooms for Rent

This is one of the best stable na negosyo na kailangan ipundar ng isang OFW, dahil sa aking obserbasyon sa mga nakikita ko na mga nagtratrabaho abroad, after nila maka-ipon ng sapat na puhunan bumili agad sila ng lupa at pinatayuan ng bahay para gawing paupahan at talagang okey ang negosyong ito. Monthly may kita sila. Ang ginawa lang nila para mapalaki pa ang kita ay ginawan nila ng maraming rooms ang bahay at dahan-dahan na pinalaki by extending upward hanggang third floor.

Sari-sari store/ Mini-grocery

Pinaka-easy na i-set up na negosyo na kahit kunti lang ang puhunan ay ang sari-sari store at pede pa palakihan into a mini-grocery store. Pinamahala nila ito sa kanilang pamilya na naiwan dito sa Pilipinas. Ang negosyong ito ang pinakamadali na pamamahalaan kung wala pang karanasan ang OFW sa pagnenegosyo. Nakakatulong ito na maka-ambag sa tustusin ng pamilya.

Vehicles for rent

May mga OFW na bumibili ng sasakyan para hindi gawing luho kundi para iparenta sa kasal, beach outing, lipat-bahay service o anumang okasyon na nangangailangan ng sasakyan. Sa aking obserbasyon mas magandang bilhin ay van, multicab at pang-taxi - dahil pang-masa. Example, yung multicab gawing pampasahero under a boundary system.

Piggery/ Livestock/ Poultry

Hog raising is also a profitable kung may alam ka kung paano patakbuhin ang pagbababoyan at pede mo ipamahala sa iyong mga kamag-anak while working abroad. Ang kailangan lang ay you have a spacious land at advisable na malayo sa city kasi medyo maamoy ang negosyong ito para di makadisturbo sa mga tao - Pero sa maamoy nandun ang pera.

To know more about sa pagbababoyan:

Fiesta and Party Supplies

Ito maganda din tong negosyo if you are living in a populated area. May mga tao na hindi maka-afford bumili ng mga gamit ng maramihan kaya they opt to rent nalang.

Ang pinaka-common na supply na nirerentahan ay ang mga monobloc na lamesa at upuan. Ipapa-renta mo lang ang mga ito at kikita per table at per upuan. Aside sa tables and chairs pwede rin magparenta ng mga houseware, camera for party documentation at sound system.

For more lists, see the pdf below.


Marami nang naging successful na ofw sa farming and one of them is ex-ofw turned farmer Noel Cabrera, the owner of Cabrera's farm sa Solano Nueva Vizcaya. He worked 9 years sa Taiwan and then nag-decide siya na mag-farming sa kanilang lugar. Para maging successful siya, inaral niya lang kung ano ang mga makabagong paraan ng pagsasaka.

To know more about Noel:

Flower Garden

Flower garden is also a profitable  na negosyo kailangan lang bumili ng ofw na saktong laki ng lupa at ide-develop niya ito. At kikita siya when people pay for an entrance fee. Like sa  Sirao Flower Garden – Little Amsterdam sa Cebu City.


Ang pagka-scrap trading ay maganda ring negosyo dahil hindi ito maa-out of trends. Hindi man ito elegante kung tingnan na business pero marami nang tao ang natutulungan nito na mapagaan ang buhay.  Isa na nito ay si Jeanilyn Bermudez, isang overseas Filipino worker sa Singapore who employed five adults and 17 students sa kanyang junkshop.

Watch the video:

Internet Shop

Makakatulong ang internet shop if you are an overseas worker. Ipapamahala mo lang ito sa iyong pamilya and make sure that they understand the discipline in running this business. Ideal place for this kind of business is near sa school or any place na foot traffic is malaki. Kung gusto mo mag-put up ng ganitong negosyo, please listen to those who have the experience in running the business and not to the salesmen.

This Facebook group can help: https://www.facebook.com/groups/479996588733051/

Beach Resort

This is a very lucrative business. You don’t have to have a white sandy beach resort para maka-attract ng mga customers. Kasi sa mga amenities mapapanalo yan. Although this will cost a million of peso but once mapatakbo na. Tuloy-tuloy na ang kita. Ang tinutukoy ko ay hindi yung resort na bonggang-bongga, yung lang pang-masa maganda na. Mas mura kung bilhin ay yung beach lot lang muna and just gradually pagandahin mo nalang.

Construction and Building Supply

Basically you can start  this kind of business sa capital na more than 300k but I saw some started less than 100k and napalaki nila ang negosyong ito. Nasa diskarte lang talaga at tiyaga. They chose strategic location na sa tingin nila ay lumalaki ang population. They can even compete sa mga hardware sa malls kasi of accessibility.

Water Refilling Station

This is also one of the businesses na easy to manage once you know the processes. Kahit dalawang tauhan lang pwede nang mag-run. The startup capital ranges from 100k – 300k. Just to start you don’t need a delivery truck, if you’re short on budget kahit motorcycle na may side car ok na – marami ako nakikita ng naka-side car lang dito sa amin.

Last word

Sa mga negosyong ito di lang naka-depende ang pamilya sa Pilipinas sa kanilang mahal sa buhay na nagtatrabaho abroad kasi meron silang negosyo. It helps na ma-mitigate yung burden ng ofw as the main breadwinner.

Ang kagandahan sa mga negosyong ito ay merong silang kita buwan-buwan na pede i-roll yung pera by making another business para di na kailangan pang magtrabaho abroad kung sa tingin nila maaari na nilang tumigil kung stable na ang pera na kailangan. Even while working abroad they can still run some of these businesses by letting their loved ones manage their negosyos.

P.S. If you find this post helpful, Please do share this, especially to your friends na mga OFW..

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Did I miss something? Please share your thoughts through the comment box below.

Basahin mo din to: 12 Helpful Tips To Boost Your Sari-Sari Store Sales

Find Out How an OFW Went From Losing 7 Million Pesos to Business Success — in just 3 Months! Learn More Here

Wednesday, May 8, 2019

Beyond the Metro: Property Sector of Several Progressive Provincial Cities on an Upswing

Thanks to a booming economy, the real estate sector of several progressive cities outside of the metro are on a roll, growing remarkably well over the last few years and expected to continue soaring to new heights in the next decade or so.

Lamudi recently held its second installment of The Outlook Media Roundtable Series for 2019, “Beyond the Metro: The Progress of Philippine Provincial Cities” last May 7 at the Makati Shangri-La.

More and more property developers are answering the growing demand for residential and commercial properties in Cebu, Cavite, Davao, Iloilo, Bacolod, and Pampanga as their property landscapes evolve and are expected to be at the forefront of a property development boom in the country.

See pdf report below:

A pronounced surge in demand and supply

The growing interest from local and foreign investors, as bolstered by the national government’s robust infrastructure projects in these provincial cities, attracted a surge in interest among property buyers from here and abroad.

From 2017 to 2018, Pampanga registered a whopping 873-percent increase in leads on the Lamudi platform. During the same time frame, Cavite witnessed a 298-percent increase in leads, Davao raked in 69 percent, while Cebu and Iloilo also increased by 274 and 214 percent, respectively. Page views among properties in Bacolod likewise spiked by 38 percent.

These numbers go to show that these cities are currently enjoying a shining moment in their real estate sector. In conjunction with this impressive upward trend in demand, the property supply in these cities followed suit.

Mr. Charles Ong, Chief Operating Officer of Innoland Development Corporation

Based on Lamudi listings from 2017 to 2018, Davao enjoyed a 102-percent increase in listings while Pampanga saw a 202-percent spike. Likewise, Cavite’s listings spiked by 188 percent. Cebu-based listings increased by 27 percent while Iloilo grew by 29 percent. Bacolod, however, had more property searches than the available supply during the time period, where apartment and land searches were seven (7) percent and 12 percent higher than the supply, respectively. This could mean that there is a well of opportunity for property developers in the city to answer to the growing demand that is yet to be addressed.

Average prices and a notable increase in page visits

Page visits, which likewise signify interest among property buyers, in these provincial cities also increased. From 2017 to 2018, Pampanga, Cebu, and Bacolod grew by 65 percent, 23 percent, and 38 percent respectively.

Iloilo, on the other hand, rose by 22 percent from the first quarter of 2018 to the first quarter of 2019.

Mr. Richard Tay, Business Unit Head of the Commercial Business Group of Property Company of Friends, Inc.

Davao, despite being one of the country’s most competitive cities and investment hubs, remains affordable for prospective investors and home seekers. The average price of a condo property in the city is Php4,622,195, where the average price per square meter is tagged at Php 100,377.

Meanwhile, Cavite’s residential sector also maintains its relative affordability, with an average price of Php 6,372,632 for houses. The average price per square meter is Php 50,576.

Most Searched Areas 

The most searched for areas in Davao that property seekers searched for are Buhangin and Sasa. These were followed by Barangay 19-B, Ma-A, Talomo, Barangay 20-B, Bucana, Barangay 34-D, Matina Crossing, and Matina Aplaya.

In Cebu, the most searched for properties were those in Cebu City, followed by those in Lapu-Lapu, Mandaue, Talisay, Consolacion, Minglanilla, and Liloan.

Bacoor, Dasmariñas, Tagaytay, General Trias, and Imus were the most searched cities in Cavite.

Mr. Emmanuel Rapadas, Chief Financial Officer of Torre Lorenzo Development Corporation

On the other hand, the towns of Pavia, Jaro, Oton, Guimbal, and Mandurriao generated the most interest in Iloilo.

In Pampanga, Angeles, San Fernando, Mabalacat, Arayat, Mexico, Bacolor, and Magalang.

For Bacolod, the towns of Alijis, Estefania, Mansilingan, and Tangub drew in the most interest.

House and lots dominate property types

Mr. Joey Bondoc, Senior Research Manager of Colliers International Philippines

Majority of these property seekers are interested in house and lots, although there’s also a growing interest for residential condo units. The majority also prefer to buy these types of properties compared to those who want to rent them. In Iloilo, for instance, the page views for houses were close to 62 percent among property seekers, about 52 percent when it comes to sessions, and 59 percent for leads generated, based on Lamudi’s data. The same is true for Cavite, where about 64 percent of the leads came from house searches.

Mr. Fernando Camus, Senior Consultant of Berthaphil, Inc.

The preference for house and lots, as well as lands, in these provincial cities, show that the prices of these property types in Cavite, Pampanga, Cebu, Bohol, Davao, and Iloilo are still relatively more affordable compared to those in Metro Manila.

Many of those who were also searching for properties in most of these progressive provincial cities are from Metro Manila, according to Lamudi data.

In Pampanga, for instance, although the number one city that searched for a property there came from Angeles City, the next three came from Quezon City, Makati, and Manila, data from the property portal shows.

Pampanga’s proximity to Metro Manila has attracted quite a number of property seekers from Quezon City, Makati, and Manila who are planning to relocate in the province, live a more relaxed lifestyle and escape from the urban chaos of the metropolis while also pursuing great careers with the growing number of companies opening their offices there.

With the property sector of these thriving provincial cities on the upswing, expect their economic landscape to evolve and benefit nearby towns and municipalities as well.

Bhavna Suresh, CEO of Lamudi, moderated the media roundtable discussion. The panelists of the media roundtable were Joey Bondoc, Senior Research Manager of Colliers International Philippines; Charles Ong, Chief Operating Officer of Innoland Development Corporation; Fernando Camus, Senior Consultant of Berthaphil, Inc.; Emmanuel Rapadas, Chief Financial Officer of Torre Lorenzo Development Corporation; and Richard Tay, Business Unit Head of the Commercial Business Group of Property Company of Friends, Inc.

Wednesday, April 17, 2019

Mga Pampalamig Na Puwede Mo Itinda Sa Sari-sari Store

Ang mga pampalamig ay isa rin sa mga paninda sa tindahan na nagbibigay ng dagdag kita. Kaya huwag mo hayaan na wala kang ganito inside your store.

When summer comes at ang hangin na mula sa pacific ocean ay magdudulot ng maiinit at maalinsangan na panahon, maraming tao ang gustong maibsan ang init na nararamdaman, at naghahanap sila ng paraan na makakatulong na makaka-cool down ng katawan nila. Kaya this is a blessing to your sari-sari store – may pangdagdag  kita ka sa tindahan mo. This is what we called seasonal marketing.

Ang seasonal marketing ay pagtitinda ng mga produkto na naayon sa klima, okasyon, o lugar.

Dahil summer ngayon angkop ang mga produkto na ito sa iyong tindahan.
So below are some of the cooling sweet foods na pwede mo itinda.

Ice candy

Pinaka-common na frozen sweet na kinagigiliwan ng mga kabataan. Common na ito maliit palang tayo, alam na natin ang masarap na ice candy na itinitinda sa tindahan. But ice candy is a very versatile na frozen sweet, kaya huwag mo itong maliitin dahil sky is the limit kung papaano ang paggawa ng masarap na pampalamig na ito.

Kung wala kang time sa paggawa, meron naman na binibenta na gawa na, at ito ay makikita mo sa mga grocery ng mga mall. Pero iba lang yung name at packing.

Pero iba talaga ‘pag gawa natin mismo.


Ang ice ay isa rin sa mga kailangan ng tao kapag tag-init. Gagamitin nila ito na pampalamig sa tubig na iniinom nila. Inilalagay din nila ito sa mga inumin tulad ng sofdrinks, instant juice, alcoholic drinks, at sangkap sa paggawa ng iba pang frozen food na produkto.

Ice cream in salad cups

Pwede ka rin magbenta ng ice cream sa iyong tindahan. Merong mga tutorial sa Youtube na pwede mo pagkukunan ng mga idea kung paano gumawa ng masarap na pagkain na ito kahit sa bahay lang. Dahil dito di na kailangan ng mga bata maghintay pa na dumaan si mamang sorbetero dahil mabibili na nila ito sa tindahan mo.

Snow cone

Ang snow scone ay isa ring masarap na pampalamig na gusto ng mga bata. Madali lang to gawin, ang sangkap - crushed ice, sugar, milk evap, at concentrated syrup for flavoring. May mga mambibili na pumili na bumili ng snow cone instead sa halu-halu kasi mura lang.

Ice buko

Ang ice buko ay isang uri ng ice popsicle na coconut milk-based na may grated o shredded coconut meat na nilagyan ng red monggo sa ibabaw. Uso to noon dekada 80’s - 90’s, di lang to noon sa sari-sari store tinintinda kundi pati na rin sa paaralan. Inilalako din to noon ng mga street peddlers.

Mango shake

Madali nalang makagawa ng mango shake kasi mura na ang mga blender ngayon. Kaya maganda rin tong pangdagdag kita sa tindahan mo lalo na kung summer. Madali lang rin tong gawin. Maglagay lang ng manga, asukal at gatas na evap sa blender, meron ka nang masarap na ititinda na inumin sa iyong tindahan.

Sa mga inilista ko dito sana makakatulong ito sa iyo na madagdagan pa ang kita na iyong tindahan. Palabasin mo lang ang iyong creativity kung paano mo ang mga ito na mapapasarap at maging unique sa inyong lugar.

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Please share your thoughts through the comment box below.

Video credits:

Buko Ice Candy by A La Carlene Dishes
Mango Graham Ice Cream by Kusina Chef

Image credits:

Thumbnail By John Martin PERRY - Own work, CC BY-SA 3.0
Snow Cone by Dr. Gomz
Mango Shake by tiotio

Monday, April 15, 2019

Top 5 Most Populated Cities in Mindanao

When it comes to the Philippines, much is said about Luzon, more people are talking about the booming Visayas, but little is heard about Mindanao. Not that we want to isolate the region – it’s just that everyone thinks it’s too far. Come to think of it, how much do you know about Mindanao, really? Are you familiar with the rest of the cities other than Davao? How often do you hear people say, “When I retire, I’d like to buy a property and have my home in Mindanao”?

Mindanao is the second largest island in the country with over 20 million inhabitants in 2010. It is surrounded by smaller islands with the same name, serving as home to over 5 million people. Most people live in the city of Davao, which is hailed as the 'Safest City in the Philippines' again and again. Others settled in Zamboanga City, Cagayan de Oro, General Santos City, and Butuan City. There you have the top five most populated cities in Mindanao.

Davao City

Kicking off with Davao, this 1st class highly urbanized city has a total land area of 2,443.61 km. It has the greatest number of residents in the country after Quezon City and Manila. Many people love to fly to Davao for the beautiful Samal island, which is less crowded and commercialized compared to other tourists spots in the country such as Cebu, Boracay, and Palawan. There are 80,000 friendly people who would make sure that you enjoy your stay on the island. There are no shopping malls, traffic, pollution, and noise. Meaning, you can definitely have the retreat you're looking for while basking in the beauty of the beach.

Zamboanga City

This is called ‘The City of Flowers' as Zamboanga comes from the Malay word for “garden of flowers,” Jambangan. The city is now one of the busiest port cities in the country. As an additional trivia, did you know that Zamboanga is also "Asia's Latin City"? The reason for this is the residents' practice of the same traditions with Spain, like the regard for Our Lady of the Pilar (Patroness of Spain). In terms of delicacies, make sure that try Baolo and Satti when you visit the city.

Cagayan de Oro City

Cagayan de Oro is the capital of the city of Misamis Oriental. Governance here is independent from the rest of the province. CDO also serves as the business hub of Region X or the Northern Mindanao region. As for tourism, people love the place for the kayaking and white water rafting adventures in the CDO river. These are just some of the things you may enjoy in the city other than the week-long annual fiesta celebration in August, the Higalaay Festival.

General Santos City

Well, you may as well be familiar with General Santos City as People’s Champ Sen. Manny Pacquiao’s hometown. Imagine, a pride of the country, known around the world as the best boxer ever, came from a far city of Mindanao? What the city features is a state-of-the-art and modern communication facilities. It is at par with global standards, they said. These include the following, in both wired and mobile forms: Internet and network solutions, data, and voice provided by the biggest telecommunication companies in the country.

Butuan City

Formerly the capital of Rajahnate of Butuan, Butuan has a total population of 337,063 according to the 2015 census. There was a time it is known in the entire Philippine archipelago as the best in gold and boat manufacturing. In fact, it traded with Bengali, Majapahit, Srivijaya, Ming, and Champa coasts. As a visitor, among the things you may enjoy in Butuan are the low accommodation rates and the beautiful nearby beaches in Surigao.

Just like Visayas, Mindanao is continuously thriving and surprising people with many undiscovered destinations. It is less crowded and commercialized, so it’s a perfect choice if you want to relax or looking for a location for a rest house. After all, it’s your goal when flying away from Manila, right? It is also recommended for when you want to tour friends from other countries, as crime rate is low to none. There’s even more to discover – you’ve only read about 5 cities in this article!

Thursday, March 7, 2019

Local Real Estate Professionals and Companies Receive Honor during Lamudi Broker Awards Night

Lamudi recently recognized outstanding real estate professionals and brokerage companies at the third annual Lamudi Broker Awards Night held last February 21, 2019 at Makati Shangri-La.

Lamudi recently held the Lamudi Broker Awards Night 2019 last February 21 at the Makati Shangri-La.

The Lamudi Brokers Awards is an evening of recognition of the real estate professionals who have demonstrated skilled achievement, superior leadership, high moral character, and professional behavior as chosen among the clientele of the Philippines' number one real estate platform.

“The Lamudi Broker Awards Night is our way to show appreciation to our most successful partners who not only grew alongside the company but helped Lamudi reach great heights in the real estate industry,” says Gilles Hage, Lamudi’s VP for Commercial Strategy
Bhavna Suresh, CEO of Lamudi

Lamudi’s CEO Bhavna Suresh formally opened the evening’s gathering. Industry thought leaders were also present in the event, offering an avenue for exchanging valuable insights on how to improve the local real estate industry and the community-at-large.

Elizabeth Ventura, President of Anchor Land Holdings, Inc.

Elizabeth Ventura, President of Anchor Land Holdings, Inc. highlighted that brokers are an integral part of the overall success of property developers. Meanwhile, Colliers Philippines' Senior Manager for Research, Joey Bondoc, dove deep into the highlights of the local property sector in 2018 and what can be expected in 2019.

The awards presented were divided into three categories: Individual, Company, and Special Awards. The winners of the Individual and Company Awards were determined via data gathering while winners of the Special Awards were chosen through voting by Lamudi’s partner network with the exception of the Lamudi Partner of the Year award as this was chosen by Lamudi.

Miyabi Realty accepts the award for Lamudi Brokerage of the Year for Luzon

This year’s winners are the following:


Most Leads Generated
Leyde Francisco of Cebu Globenet Realty

Most Number of Listings Uploaded
Rey Sonico of MFR Realty

Most Responsive
Christopher Larawan

Top Trained
Korina Christine Reyes of M.F. Reyes Realty

Lamudi Broker of the Year - Luzon
Evelyn Samaniego

Lamudi Broker of the Year - Visayas and Mindanao
Rodulfo Lafradez Jr. of Fareast Habitat & Settlements Inc

Loyalty Award
Edmund Tario

New Broker of the Year
George Tejada


Most Leads Generated
My Saving Grace Realty & Development Corp

Most Number of Listings Uploaded
Property Hunter Realty

Most Responsive 
Cloverph Realty Corp.

Top Trained Brokerage
Top Realty

Lamudi Brokerage of the Year - Luzon
Miyabi Realty

Lamudi Brokerage of the Year - Visayas and Mindanao
Land Asia Global Properties Network

Loyalty Award
Philproperties International Corp.

New Brokerage of the Year
Rising Land Realty


Lamudi Partner Success Story of the Year
Charlie Aparicio

People's Choice Award
MJ Jambaro

Lamudi Partner of the Year
Land Registration Authority

For more information on the Lamudi Broker Awards Night 2019, visit https://www.lamudi.com.ph/brokerawards/

Friday, March 1, 2019

Mga Rason Kung Bakit Nahihirapan Kang Mag - ipon

Ito ang mga rason kung bakit nahihirapan tayong mga pinoy na mag-ipon. Ginawa mo naman na mag-ipon pero wala namang naipon. Ipon kanang ipon pero walang nangyayari. Ang tanong saan ba napunta ang inipon na pera?

So below are the reasons kung bakit hindi tayo makaipon nang maayos.

Nasobrahan sa gimik

Ito ay isa mga rason kung bakit hindi ka makaipon ng maayos nang hindi mo namamalayan. Hala gala doon gala dito. Hindi ka aware na every time may pupuntahan ka gagastos ka. Hindi mo siguro namamalayan dahil na-feel mo naman na hindi kalakihan ang ginagastos mo, pero nababawasan ng unti-unti ang iyong pera.

Hindi naman masama kung gumala kasama ang mga kaibigan kasi kailangan natin makikipag-socialize dahil nakakatulong ito sa atin psychologically. Nakaka-lighten ito ng mood natin at nakakawala ng depression. Pero kapag nasobrahan, depression din ang aabotin mo dahil pagkatapos sa mga gimik mo, back to zero ka naman at maghihintay ka na ulit ng sahod mo.

Mahilig mangutang

Utangero utangera this is what we are. Walang pinoy na nabubuhay na hindi pa nakapangutang. Kailangan natin to kung short ang budget. Pero dalawang klase ng pinoy when it comes to handling the utang. First ay yung utang lang ng utang sa mga bagay na naibigan at hindi nagplano kung paano bayaran. Ang isa naman ay yung umutang para patubuin ang inutang na pera. Ito ay ginamit niya para magtayo ng negosyo. Example: houseloan para ipatayo ng bahay upang gawing paupahan.


Ang pagsususgal na inakala mo ay katuwaan lang at pampatanggal inip ay magbibigay sa iyo ng iba pang problema. Di ka makapag-save ng maayos dahil malaki ang posibilidad na mapupunta lang ang extra mong pera sa bisyo na to imbis na iimpok na lang. At kung mauubusan ka ng pera na pang-sugal ay madali mo nalang kunin ang mga inipon mo na pera. Kung maubos na ang inimpok mo na pera, ang madali mong isipin ay uutang ka para may pangsugal.

May bisyo

Ang bisyo talaga ay demonyo sa buhay ng tao. Hindi lang ito nakaka-apekto sa atin financially, pati health at spiritual mo sisirain nito. Eh, paano ka makaipon ng maayos kung ang pera mo ay mapupunta lang sa bisyo. Isa sa mga nakakamatay na bisyo at kakain ng pera mo ay ang sigarilyo.

Dito sa cebu, may isang brand na yung sampung peso mo is equal to 3 sticks ng yosi. Let’s say 10 peso everyday ang magagastos mo sa pagsisisgarilyo, sa isang buwan gumastos ka ng 300. Imbis na ipinambili mo na lang sana ng food supplement – iwas sakit ka pa.

Below is a table to give you clarity kung magkano ang magagasto mo sa mga bisyo na iyan. The numbers are estimation ko lang na sa tingin ko pinakamalapit sa exact na amount.

Bisyo Day Month Year
Sigarilyo 10 280-310 3,650
Dota 20 560-610 7,300
Laklak 50 1,400-1,550 18,250
Droga 500 14k-15.5k 182.5k-186k


Ang pagiging mainggitin sa mga bagay ng iba ay hindi maganda dahil kung iisipin mo ng mabuti, once na magugustuhan mo rin kung ano ang meron sila ay siyempre mag-re-required ito ng pera. So maglalabas ka ng pera para mabili mo kung ano ang meron sila.

Lalo na ngayon na meron nang social media, ay madali mo nalang makikita sa Facebook kung ano ang pinopost ng mga tao, na para bang open book ang buhay nila. Sa katotohanan hindi naman pinopost yung hindi maganda kundi mga kagandahan lang.

Isa pa kung ano ang uso gusto mo meron ka din. Hindi ka naman mamatay kung wala sa uso ang bagay na nasa iyo basta ba nakakatulong ito sa buhay mo.

Huwag sobrang mabait

Ito yung pagkatapos mong matanggap ang sweldo ay nanglibre ka kaagad ng pang toma sa iyong mga kabarkada. At sa mga ofw naman na bumalik bansa ay nagpamudmod  kaagad ng mga mamahaling pasalubong. At tuwing may fiesta ay kailangan galante ang handa.

Hindi naman masama kung manglibre at mamigay ng pasalubong basta lang hindi naapektuhan ang pagse-save mo ng pera at hindi nakaka-strain sa budget mo.

Gusto lagi masarap ang kinakain

Sa mga nakita ko yung mga tao na ayaw kumain ng gulay ay sila rin yung hindi makapag-ipon ng maayos dahil gusto nila karne at masasarap  ang ulam nila. Meron namang masasarap at mura ng pang-ulam na binebenta sa tabi-tabi gaya ng mga nagsusulputang mga crispy fried chicken stands, siomai at iba pa, pero hindi naman maganda sa kalusugan kung lagi mo itong kinakain araw-araw. Kaya sa bandang huli mauuwi lang sa pagkakasakit kung lagi mo itong inuulam.

Wala kang side income o negosyo

Marami sa atin ang nahihirapang makapag-ipon kahit may trabaho naman. Hindi dahil sa kung gumasto ay parang mayaman kundi marami lang talagang pinagagastuhan para makausad sa buhay. Kaya habang hindi ka pa nakapag-asawa ay kailangan meron ka nang pinaplano na negosyo para hindi ka mahihirapan kung magkakapamilya ka na.

Final word

Para hindi ka mahihirapang mag-ipon ay i-assess mo muna  kung ito ba’y:

  • Naibigan mo lang. Dito ay you ask yourself kung nagustuhan mo lang ba to o kailangan talaga sa buhay para worth na bilhin.
  • Dahil lang nasa uso. Dito di mo kailangang makiuso, ang importante ay may masusuot ka o may makakain. Although you have to be aware of the latest trends to check kung may mga features na makakatulong sa buhay mo.
  • Kailangan. Dito you are setting your priorities than sa mga naibigan mo lang. 
  • Magbibigay sa iyo ng sakit in the future. Gaya ng ipagpatuloy mo ba ang bisyo na eventually magkakasakit ka lang. Kaya iimpok mo nalang yung pera.
  • Tataas ba ang value habang tumatagal ang panahon. Dito iisipin mo muna kung ang bagay na bibilhin mo ay tataas ba ang value after mo mabili. Lupa, ginto, bahay - ang mga ito ay tumataas ang presyo sa paglipas ng panahon. Example ng mga bagay na after mo bilhin ay bumaba agad ang value ay smartphone, kotse at appliances.

Kaya ugaliing mag-ipon kasi isa to sa mga paraan na may makukuha tayong pera kung may mangyayari na di natin inaasahan sa ating buhay. Aaminin man natin o hindi may mangyayari talaga sa atin dahil mortal tayo at hindi tayo invincible.

Friday, February 1, 2019

Why Going Digital Is the Future of the Philippine Real Estate Industry

Did you know that real estate is regarded among the country’s last remaining offline-focused industry? For one, you still see agents in public places distributing flyers to people who are yet to realize their need to invest in a property. Big companies still employ salespeople to sit down with a potential buyer and use charm to actually get him or her to buy a condominium. With this insight, you can say the human person is still a more effective seller than a computer. However, industry experts say going digital is, indeed, the future of the Philippine real estate industry.

Powerful property portals

First, let’s get this straight: going digital does not mean completely replacing the human person with computers and robots. The latter could imitate and try but would never be able to do that seamlessly. It just means maximizing what technology offers to each and every one today - the unlimited data and resources, convenience, and speed. Particularly in the real estate industry, going digital translates to the property portals that make everything easier to today’s investors. With just a few clicks, property portals can present a thorough comparison between units and influence the buyer’s decision in less than an hour.

The millennial market

Last year, one property portal revealed in a press briefing that it got over a million visits in 2 consecutive months. This clearly shows people turn to the internet when they want to invest in a property or buy a new house. Why? Because it is the Millennials who are buying properties today. They have jobs to afford it and they turn to the Internet to help themselves decide after seeing ample data.

While most property portal visitors are merely window-shopping, the next thing they do is speak to a sales agent once ready to purchase a property. They’ve already seen and read everything by this time. The smart millennial market has already analyzed sufficient data for them to proceed to the next step. This makes technology a gift to both the buyer and seller or property developer. Pressure is just on the latter to rise up in the competition by being the best when it comes to digital.

Digital is the future

By going digital, property developers are not only able to present a number of options and comparisons to its target market. More importantly, it is able to maximize the power of marketing. Going digital enables property developers to reach potential buyers where they spend most of their time - online, on their social media accounts. With a few strategic combinations of words, the potential buyer’s attention is caught and now convinced he or she must invest, now. This is where the magic starts.

Another reason property investors today love digital listings is the lack of pressure. They can go and say yes whenever they are ready. There is no person in from of them influencing their judgment and demanding an instant decision. They get what they want when they are ready because they are relaxed and everything is well thought out. The risk is low as well as the chance of regret, if not none at all.

The list goes on and on

Continue putting yourself in the buyer or investor’s shoes. When you turn online and go digital in your search for the perfect investment, you feel you are deciding based on facts. Statistics are available everywhere and you get to study and really understand them before you arrive at a decision that would change your life. You can do this at any place and at any time. This makes you feel smart and confident.

Filipinos today are becoming smarter every day. Instead of hating technology, they adapt to it and embrace the transitioning to digital. They understand this is an advantage and not something to fear, hate, or ignore. This is the right attitude and property developers should understand that going digital is, indeed, the future of the Philippine real estate. Digital marketing is the key to reach buyers, bring them to a cohesive property portal, and with truthful data, help them arrive at the best decision.