JANUARY: Nagbabayad pa ng utang ng dumaang pasko. Kinulang pa ang 13th month pay, daming namasko at pinapasko eh

FEBRUARY: Valentines day! Kakain sa labas, syempre yong sosyal na place. May regalo. Tapos chinese new year pa nga pala.

MARCH: Graduation time! Syempre ipaghahanda ng bonggang-bongga.

APRIL: Summer vacation! Travel dito, travel doon. Pupunta sa beach…

MAY: Hayss….enrollment na naman. Taas na ng matrikula sa school (nagtaka ka pa?)

JUNE: Simula na ng uma-umagang baon. Kelangan mo na rin bumili ng mga bagong gamit sa school, magbayad ng mga fees gaya ng school bus at iba pa.

JULY: Nagbabayad ka pa ng utang mo mo, kinapos ka sa pang tuition di ba?

AUGUST: Ghost month! Di magandang mag invest…

SEPTEMBER: mmmm…Magi-invest na sana, kaya lang narinig ang… whenever i see girls and boys selling lanterns on the street… ber month na pala!! Wag muna, marami kang pag-gagamitan sa pasko.

OCTOBER: Naghahanda ka na sa halloween. Syempre bakasyon uli, out of town

NOVEMBER: 2nd sem na! Magbabayad ka na naman sa school. Di bale, malaki naman matatanggap mo next month. Bumale ka na lang sa boss mo.

December: Pasko na  Kaso, nagastos mo na yong pera mo last month. Umutang ka na lang muna. Kailangan maidaos ng masagana ang pasko. Pano na lang kung maraming mamasko sa inyo. Baka sabihin POOR ka…

What: First 1000 each Store Worldwide
When:  Feb 24 / Tuesday

Link:  Krispy Kreme 1,000 shop

Benefits for senior citizens


* TWENTY PERCENT (20%) DISCOUNT AND VAT EXEMPTION

-Medical-related privileges
-Domestic transportation privileges
-Hotels, restaurants, recreational centers, and places of leisure, and funeral services
-Recreations centers
-Admission fees privilege
-Funeral and burial services


* OTHER PRIVILEGES
-Income tax exemption
-Exemption from training fees
-Free medical and dental services in government facilities
-Free vaccinations for indigent senior citizens
-Educational privileges
-Benefits and privileges for retirees
-Privileges on granting special discounts in special programs
-Express lanes privileges

What is TESDA Online Program?

Information Technology

Basic Computer Operation

1

Computer Hardware Servicing

4

Web Development using HTML5 and CSS3

1

CAD / CAM Operation

2

Animation (3D DIGITAL)

3

Microsoft Online Courses

Game Development

Game Production Basics

1

Developing 2D Games with HTML5

1

Developing 2D & 3D Games with Unity

1

Software Development Fundamentals

1

C# Fundamentals for Beginners

1

Tourism

Food and Beverage Servicing

Waiter Servicing

7

Room Attendant Servicing

5

Bus Boy Servicing

4

Housekeeping

Guest Room Attendant Servicing

9

Valet Servicing

1

Public Area Attendant Servicing

4

Laundry Servicing

1

Cookery

Preparing Sandwiches

4

Electronics

Cellphone Servicing

4

Solar Night Light Assembly

4

Agriculture

Fruit Grower

2

Automotive

Diesel Engine Tune Up

4

Automotive Battery Servicing

4

Heating, Ventilation and Air Condition

Packaged Air Conditioner Unit Servicing

1

Trainers Methodology I

Facilitate Learning Session

1

Trainers Methodology II

Curriculum Development

1

Health, Social and other Community Development Services

Massage Therapy

Swedish Massage

5

Thai Massage

2

Shiatsu Massage

2

=================================




1. On the TESDA Online Program website click on the “Login” hyperlink.


2. After clicking the “Login” hyperlink, you will be taken to the login page. On the “Is this your first time here?” column, click on the “New Account” hyperlink.


3. Fill out the form, fields marked with asterisk (*) are mandatory. You cannot proceed with the registration unless you provide the information. After filling out the form, click on the “Create my new account” button.


4. After creating your account, a message will be sent to your email address. The email contains a link to activate your account, simply click on the link and your account will be activated.


1. Before you can enroll in a course, make sure that you had created an account in our TOP website.

2. Login to the TOP website using your registered username and password.


3. Once logged in, you will be taken to the TOP front page. The list of available courses is displayed on this page. Click on the link of the course that you want to enroll in.



4. Next, click on the link of the module you wish to take.


5. On the left side of the navigation pane, under the administration panel, click on the “Enrol me in this course” link.


6. A message box will appear asking if you really want to enroll in the module. Click on the “Yes” button to proceed.


7. After confirming, you are now enrolled in the course or module.



Reference: TESDA Online Program

We have less option to send money overseas IF we cannot stop Australian banks plan to shut all remitter accounts by Monday 24 November 2014.


Affected countries:
Philippines, Vietnam, Nepal, India, Bangladesh, Pakistan, Fiji, Samoa, Somalia, Colombia, Peru and many other countries will soon be affected. 

You would need around 97,159.34₱ (2,397.95A$) in Manila to maintain the same standard of life that you can have with 7,100.00A$ in Sydney (assuming you rent in both cities). This calculation uses our Consumer Prices Including Rent Index.

Indices Difference
Consumer Prices in Manila are 58.96% lower than in Sydney
Consumer Prices Including Rent in Manila are 66.23% lower than in Sydney
Rent Prices in Manila are 77.45% lower than in Sydney
Restaurant Prices in Manila are 71.94% lower than in Sydney
Groceries Prices in Manila are 57.31% lower than in Sydney
Local Purchasing Power in Manila is 66.38% lower than in Sydney

	Sydney	Manila	Difference
Restaurants
Meal, Inexpensive Restaurant	15.00 A$	3.70 A$	-75.32 %
Meal for 2, Mid-range Restaurant, Three-course	80.00 A$	18.30 A$	-77.12 %
Combo Meal at McDonalds or Similar	8.75 A$	3.46 A$	-60.51 %
Domestic Beer (0.5 liter draught)	6.00 A$	0.99 A$	-83.55 %
Imported Beer (0.33 liter bottle)	7.50 A$	2.22 A$	-70.38 %
Cappuccino (regular)	3.69 A$	2.53 A$	-31.34 %
Coke/Pepsi (0.33 liter bottle)	2.94 A$	0.65 A$	-78.06 %
Water (0.33 liter bottle)	2.49 A$	0.41 A$	-83.57 %
Markets
Milk (regular), (1 liter)	1.46 A$	1.82 A$	+25.05 %
Loaf of Fresh White Bread (500g)	3.34 A$	1.26 A$	-62.26 %
Rice (white), (1kg)	2.95 A$	0.96 A$	-67.44 %
Eggs (12)	4.22 A$	1.66 A$	-60.68 %
Local Cheese (1kg)	11.34 A$	7.00 A$	-38.23 %
Chicken Breasts (Boneless, Skinless), (1kg)	10.70 A$	4.06 A$	-62.04 %
Apples (1kg)	4.25 A$	3.00 A$	-29.48 %
Oranges (1kg)	3.67 A$	2.98 A$	-18.94 %
Tomato (1kg)	5.21 A$	1.33 A$	-74.43 %
Potato (1kg)	3.21 A$	1.74 A$	-45.81 %
Lettuce (1 head)	2.48 A$	1.26 A$	-49.02 %
Water (1.5 liter bottle)	2.55 A$	0.92 A$	-63.89 %
Bottle of Wine (Mid-Range)	16.00 A$	7.40 A$	-53.72 %
Domestic Beer (0.5 liter bottle)	5.02 A$	0.91 A$	-81.88 %
Imported Beer (0.33 liter bottle)	5.51 A$	2.04 A$	-63.04 %
Pack of Cigarettes (Marlboro)	19.00 A$	1.26 A$	-93.38 %
Transportation
One-way Ticket (Local Transport)	4.00 A$	0.35 A$	-91.36 %
Monthly Pass (Regular Price)	124.00 A$	12.34 A$	-90.05 %
Taxi Start (Normal Tariff)	3.50 A$	0.99 A$	-71.79 %
Taxi 1km (Normal Tariff)	3.00 A$	0.34 A$	-88.81 %
Taxi 1hour Waiting (Normal Tariff)	55.00 A$	2.78 A$	-94.95 %
Gasoline (1 liter)	1.51 A$	1.30 A$	-13.85 %
Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car)	26,000.00 A$	21,348.73 A$	-17.89 %
Utilities (Monthly)
Basic (Electricity, Heating, Water, Garbage) for 85m2 Apartment	242.56 A$	120.35 A$	-50.39 %
1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans)	1.03 A$	0.18 A$	-82.72 %
Internet (6 Mbps, Unlimited Data, Cable/ADSL)	64.37 A$	61.65 A$	-4.24 %
Sports And Leisure
Fitness Club, Monthly Fee for 1 Adult	81.97 A$	60.69 A$	-25.96 %
Tennis Court Rent (1 Hour on Weekend)	23.20 A$	8.89 A$	-61.70 %
Cinema, International Release, 1 Seat	18.00 A$	4.94 A$	-72.58 %
Clothing And Shoes
1 Pair of Jeans (Levis 501 Or Similar)	108.48 A$	63.08 A$	-41.85 %
1 Summer Dress in a Chain Store (Zara, H&M, ...)	78.04 A$	45.35 A$	-41.89 %
1 Pair of Nike Shoes	143.97 A$	109.58 A$	-23.88 %
1 Pair of Men Leather Shoes	144.07 A$	77.74 A$	-46.04 %
Rent Per Month
Apartment (1 bedroom) in City Centre	2,233.24 A$	508.23 A$	-77.24 %
Apartment (1 bedroom) Outside of Centre	1,603.79 A$	217.10 A$	-86.46 %
Apartment (3 bedrooms) in City Centre	4,422.81 A$	1,283.85 A$	-70.97 %
Apartment (3 bedrooms) Outside of Centre	2,907.75 A$	511.24 A$	-82.42 %
Buy Apartment Price
Price per Square Meter to Buy Apartment in City Centre	9,587.00 A$	1,933.83 A$	-79.83 %
Price per Square Meter to Buy Apartment Outside of Centre	6,492.43 A$	726.69 A$	-88.81 %
Salaries And Financing
Average Monthly Disposable Salary (After Tax)	4,741.18 A$	538.41 A$	-88.64 %
Mortgage Interest Rate in Percentages (%), Yearly	5.71	8.33	+45.99 %
Last update	September, 2014	September, 2014

* Information taken from numbeo.com