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TGIF: The Best Siblings!

a long overdue post.. not naman that long.. pero this was supposed to be for last Friday.. you know TGIF! but 4 events last week and I was drained.. ubos na ubos ang lahat sa akin! in fact it was only now that I’m starting to recover.. and yet another party is coming! Sometimes I wish I have the energy of a horse and tentacles of an octopus.. ano kaya itsura noon no? Horse na Octopus pa haha

So let me start this TGIF post by saying hello to November! I don’t have to claim you because since I was born, you are already mine.. you see, my mom was born on this month.. and I am more than lucky to have her.. so yes, from the very first day that I was with my mom, November is already my month.. but the greatness of November was doubled 3 years ago.. when a little princess made her way to our home.. or is she an angel? whatever, she’s the best thing that ever happened to us.. she made us complete (argh teary eyed again! I guess my eyes will never stop shedding tears for being so thankful to your arrival my little girl)…

October went by and left us with so many blessings… too much that my energy was not able to keep up hahaha

I am so thankful for having the best siblings in the world..who are always there whenever I need them.. my parties would never be successful if not for them.. for late nights preparations and never ending jokes.. I am so blessed to have them.

Thankful for a mother that never got tired of me.. and to her magic that works.. always.. iba ang powers mo mudra! ibang iba!

Thankful for the ever understanding husband.. and of course to my kids.. and thankful for the 9 challenging and yet fulfilling years of being a mom haha

This month, I know there is more that I would be thankful of… so Hello there November.. let’s celebrate your arrival with a blast!

The Best Milk Tea Flavor and Milk Tea House

Milk tea is getting more popular and more milk tea houses are sprouting like mushrooms. Of course nothing beats the traditional milk tea, just like what we had at Waiying Restaurant.

If you remember pearl shakes in the 90’s, milk tea seems to be the new drink in town. I guess the same element of pearl or having to chew on something while drinking is what made both drinks popular. With milk tea though, more and more sinkers (as it was called) are offered. You can choose from pearl, nata de coco, pudding or even red beans.

I discovered milk tea rather really late, just a few months ago and back then, I was lost and overwhelmed with the many offerings on each store. Basically there are 4 steps in choosing your milk tea: type of milk tea, size, sugar level and sinkers. There are many different kinds of milk tea, some are caramel based or flavored. As for size, there’s the usual small, medium and large. When it comes to sugar level, 100% is the sweetest (gives me headache). I always go for 25% but 50% seems to be the safe option. Sinkers can vary from pearl to nata de coco, pudding etc.

As what’s the best milk tea in town, Serenitea has come up with their top 10:

I have tried Okinawa, Hokkaido, Nagoya and Wintermelon. I love Wintermelon the most (large, 25% sugar, nata de coco). I love it so much that I can consume two large cups in one sitting. It was my favorite drink while working or while playing at partycasino.com. I still have to try the other top on Serenitea’s list.

”

Obviously, Serenitea is my favorite milk tea house but I also tried other tea houses and this is what I can say:

Cha Time is more milk than tea(acording to my taste) but my husband loves their pearl so much. Their pearl is just right, not too chewable but not too soft.

Moon Leaf, I only tried one of their drinks with nata de coco and it’s too flavorful for me.

YTree offers the most chewable pearl of all the milk tea houses I have been to the point that your jaw will hurt. But I super love their rock salt and cheese wintermelon milk tea. Unlike Happy Lemon where the cheese is on top, Ytree offers it mixed with the drink. I just love the fact that every time I sip, different taste welcomes my tongue.

Happy Lemon is the place to be when you love creamy, creamy and creamy. The first time I try it, my tummy cried.. too much milk I guess.

So how about you? what’s your favorite milk tea flavor and milk tea house?

Building Dreams, Raising My Dreamers

It was not my first time in an event that talks about family, but it was my first time be affected that much and feel the need to share it as detailed as possible to my readers.

Family Talk, a client forum of Philam Life, was about raising family, dreaming, building your dream, preparing for retirement and how to handle family finances. Maricel Laxa-Pangilinan was the first speaker who talked about family and raising a dreamer:

Dare for them and be with them.

Raise them from here to there.

Explore the world with them.

Affirm them along the way.

Make way for them, provide for what is needed.

Encourage them again and again.

Remind them of the dream and it’s best by your example.

I have four dreamers with me and the thought of how to provide them what is needed struck me the most. I do have a part-time job and my husband provides for us very well. Maybe we can send them to good universities and they can finish their college education and they would be thankful. But after college, I do not know what will happen… Though one thing I am sure of: we should not burden our kids with our retirement. I guess aside from education, that’s another best thing we can give to them, an assurance that they don’t have to look after us when we grow older. And there’s also the question (which of course I prefer not to answer haha) what happens if something happened to us? Scary thought eh?

My mom made us realized the importance of insurance and Maricel Laxa- Pangilinan’s talk is an affirmation that we really need insurance. Actually, it took us years before finally saying yes to my mom. I wish we had earlier. But for you, my dear readers, it’s about time you put life insurance on your priority list. If like me, you have the same dreams for your kids and worries about what the future holds, then Philam Life’s Family Secure might just be the perfect plan for you.

Here’s a video of Family Secure, please do watch and tell me how you feel after watching it:

Family Secure offers high protection coverage during your working years: for P44 a day or P16,000 a year, you can enjoy a life coverage of 1.5 M (male age 30). Yes, P44 a day!

Family Secure offers Flexible benefits for changing protection needs. You have the option to choose the most protection during your working years, as this is the time when your family needs you the most. As you grow older and your family becomes more financially independent, you can have the option to lower your coverage and increase your savings as a preparation for retirement.

Family Secure offers long-term savings for a comfortable retirement.

Here’s a short illustration on how Philam Life’s Family Secure works:

Age 30:

30,000 PhP/ year for insurance
coverage: 3,135,000 PhP

Age 33 (bigger family= bigger financial responsibility)

30,000 PhP/ year for insurance
higher coverage: 3,291,750 PhP
retirement fund: 17,661 PhP

Age 35 (bigger family + new house = bigger and bigger financial responsibility)

30,000 PhP/ year for insurance
higher coverage: 4,702,500 PhP
retirement fund: 65,410 PhP

Age 50 (less financial responsibilty, kids graduated from college)

30,000 PhP/ year for insurance
decrease coverage: 1,567,500 PhP
more retirement fund: 626,881 PhP

Age 60 (kids financially independent)

30,000 PhP/ year for insurance
decrease coverage: 165,000 PhP
higher etirement fund: 1,595,250 PhP

Age 65

client can continue to pay 30,000 per year or opt to withdraw his retirement fund now amounting to 2,507, 062 PhP

30,000 PhP per year is nothing, considering the amount of protection it can give to your family.

If you want to know more about Family Secure, click here or call (02) 528-2000.

You can also like Philam Life’s Facebook Fanpage at www.facebook.com/PhilamLifeAIA and learn tips on how to plan for your and your family’s future. Dahil sabi nga ng Philam Life, “Anumang pangarap, makakamtan. Anumang pagsubok, malalampasan. Basta’t may plano, kaya mo ‘yan.”

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