I have a confession! My most frequented shops online are stores that carry skincare and beauty products. I frequently visit these stores: Amazon, Sephora, Althea and Lazada. Shopping online for beauty products makes me feel more relaxed. I can spend hours just browsing through different products. Are you like me? haha!

If you are, I’m sure that you’ll appreciate the Globe Online Beauty Fair. The Globe Online Beauty Fair gives you exclusive deals so that you can purchase your favorite beauty brands.

Enjoy special promos on Lazada with a 10% discount with a minimum spend of Php 1000. When shopping at Sephora, you get a 10% discount and a free Sephora Collection Mini Lipstain. In Althea, you get a 10% discount for a minimum spend of Php 1500. Just use the code GLOBEBEAUTY for Sephora and Althea upon check out.

For Amazon, you can get discounts from shipping partners Johnny Air Plus, My Shipping Box and Jinio. You need not worry about customs and taxes — you will get your stuff right to where you want to have it delivered.

I maximized this opportunity. Check out more details here: http://go.globe.com.ph/articles/beauty-counter/2018/august/globe-online-beauty-fair.html#shopstore

And with that, I got me some beauty products! Do you want to see what I got?

I bought some Ellana products! I’ve always been curious about this brand, and this was the perfect opportunity to get myself acquainted with the brand.

Ellana (Eh-lah-nah) Mineral Cosmetics is the #1 Mineral Makeup Brand in the Philippines. What it stands for is beauty that does more. It stands for beauty that lasts long after the makeup comes off.

I love that they promote this kind of thinking. My personal belief is that makeup should be something that enhances one’s appearance, one’s beauty. This is what got me interested to try out this brand.

Here are the products that I bought.

So what are you waiting for? Do check out the other information about the Globe Online Beauty Fair! Share with me what you bought!

P.S. I’d like to share with you some Ellana products. All you need to do is…
1) Comment on this blog post
2) Share on Facebook this blog post and use hashtags #MommyGingerFinds #globeonlinebeautyfair

I will choose the winner of the Ellana products on September 29, 2018! I’ll announce it on http://facebook.com/MommyGinger

Time flies so fast! When I was young, my dad went to work and my mom stayed at home to take care of us. I still remember how it made us so happy when he brought us a little something each time he came home from work. He always had pasalubong (gift) for us.

Since we became parents, we now feel the same thing as what our parents felt with us when we were young. As much as we want to be there every single minute of the day for our kids, we are not able to because of work. We need to earn a living so that they can have a bright future ahead of them.

So with the little time that we CAN spend with them, we want these moments to feel magical — to feel amazing. It’s sometimes not really for them, but more for us. We want to capture these simple bonding moments and frame them in little picture frames in our hearts.

In our home, we have a simple tradition of bringing home Kinder Joy to our daughter. Why Kinder Joy, you might ask, when there are so many other options for toys and food to bring home? Let me share with you our reasons:

These can be found everywhere!

If we leave our office late, sometimes, all the toy stores are already closed. With Kinder Joy, you can find them everywhere! These toys and snacks are found in all leading retailers and supermarkets in the Philippines. We have a 7/11 near our home so this is where we buy our “supply”. LOL!

They make our kids really creative!

Our daughter has been enjoying Kinder Joy since she was three years old. I have noticed that these toys, even if it’s very simple, makes you use your imagination a lot. I am all for creative play, so I love giving these toys to Zeeka.

The other day, she got a toy that allowed her to experiment with alternating different clothes. It gave her the perspective that she can also do that with her own clothes; she doesn’t need to buy new clothes if she’s creative in mixing and matching different pieces.

Kinder Joy treats are delicious!

If you haven’t seen or opened a Kinder Joy egg, half of the egg makes up the toy and the other half of it contains super delicious chocolate which is made from high quality ingredients. It consists of 2 delicious creams (milky cream & cocoa cream) with 2 crispy wafer balls! It comes with a cute little spoon that helps you eat it without being messy! Zeeka and I love it!

If there is one thing that we have to know as parents, it is this: Kids do not need a lot to be happy. As long as we set aside quality time that we can spend with them, they’re good. We can make them happy by giving them simple surprises, by doing fun activities, or just by sharing a snack with them.

Those are the moments that count. #kinderjoyphilippines #worldofkj

Get the best deals from September 15 to 17, 2018!

It’s so cool that Globe started a 917 day! It just makes me proud that I’m a Globe member. It’s so cool how a number can stand for cool things, great events and amazing deals!

So 917 day is obviously, September 17! haha! But to extend this amazing day, as early as September 15, Globe already has a lot of things and deals available to us. Some of these deals are fruits of Globe’s partnership with Puregold! Puregold Price Club Inc. also celebrates this month their 20th year delivering the best in value and service to Filipino families.

This partnership has “panalo” deals for us to give us the best 917 Day yet!

For mobile customers, get FREE P17 load when you buy any Globe or TM SIM from 9:17 A.M. to 9:17 P.M. on September 17, 2018.

For broadband customers, enjoy FREE P200 load and tumbler for every purchase of a Globe At Home Prepaid WiFi from September 15 to 17, 2018 in participating Puregold branches. This second one was actually what I got! It was such an amazing deal — I couldn’t resist!

Globe and Puregold have been supporting Puregold’s Aling Puring members attain savings and achieve their dreams of having their own businesses. In 2013, Globe and Puregold launched the Aling Puring Super Suki SIM, a multi-function SIM card with exclusive deals that also enables members to sell prepaid loads as an additional source of income.

Currently, there are 159,000 Active Super Suki SIM sari-sari store owners and micro-entrepreneurs who have benefitted from the perks of the card. Besides the Aling Puring Super Suki Sim, Puregold shoppers also enjoy other convenient Globe services like Cash in/out, Remittances, Bills Payment, just to name a few.

So this 917 Day, head on to a PureGold branch and purchase a Globe at Home Prepaid Wifi unit!

Have a happy 917 Day, peeps! 🙂

With GInvest, Invest Anytime Anywhere!

I’ve been setting aside money for different investments. I’ve been investing since I was 27 years old. I’m using around 4 kinds on investment channels. The reason for the various channels is that I have different investment objectives for each channel. I have one that I will use for my retirement. The two other policies that we have are for the education of Zeeka (and other children, if we do have others). The last one that I have is really for emergency funds.

I personally love investing. Why? I just think that it’s like a game. Funny as this may sound, I love that investing feels like a personal game that I’m playing, and I’m competing against myself. I love that I actually have control over what happens, and the forces around me and the temptation to go shopping are my opponents! haha!

Recently, I found this cool new way of investing and it’s super easy! It’s called GInvest. So it’s hidden in our GCash App, in the “Show More” portion. Currently though, it’s on BETA and only available to a few individuals. Super blessed to be given the chance to test this.

So I clicked on GInvest and it asked me these questions first. You have to answer these questions as truthfully as possible since the main reason for this quiz is not to spy on you. It’s actually to get your risk profile and to get a sense of your risk appetite.

 

After you answer all of the questions, you will be shown your risk profile. In my case, I am a moderately aggressive investor.

You will then have access to the GInvest dashboard once your registration has been approved. Note that you will receive emails every step of the way. I like this, because it informs me of what’s happening with my registration / account event is I don’t open the application.

With GInvest, they will match your investment with what your risk profile is. Their partner for the investment products that they offer is ATRAM.

The ATR Asset Management​ (ATRAM or ATRAM Group) operates through ATR Asset Management, Inc. (ATRAM MF) and the ATRAM Trust Corporation. In 2009, the ATRAM Group decided to expand its presence in the fast growing domestic asset management industry by forming a dedicated business group called ATR Asset Management (ATRAM or ATRAM Group). Under this group is ATRAM Trust and ATRAM MF.

For those that don’t know, ATRAM Trust Corporation (ATRAM Trust) is the first stand-alone trust corporation in the Philippines. It received its license to operate last October 2016.

ATR Asset Management (ATRAM MF), on the other hand, was established in July 1995 as the Mutual Fund Management Co. of the Phils. (MFMCP) by the Clemente Fund Management Asia Ltd. to serve as investment adviser, principal distributor and administrator of the Mutual Fund Company of the Philippines also known as the “Kabuhayan Fund”. In 2003, Maybank ATR Kim Eng Capital Partners, Inc. purchased an 83% stake in MFMCP from some of the original shareholders thereby gaining control of the company.

Personally, I did my research first before I invested. I think they’re a pretty legit company. You can read more about them here: https://www.atram.com.ph/ATRAM/AboutUs/default.aspx

So the type of investment presented to me was ATRAM Peso Money Market Fund. This fund is a UITF or a Unit Investment Trust Fund. UITFs are types of funds that pools funds from different investors with the same objectives.

I wanted to try GInvest, so I clicked on the subscribed button, and transferred around Php 1000 for investment. Get this! The minimum investment amount is Php 50! If you want to invest extra funds every day, you actually can! So after hitting the subscribe button, I got a message that GInvest will message me back once I have the subscribed units.

It just took a couple of days (or less) before I got to see it on my dashboard as “subscribed”. For those who want more information about the ATRAM PESO MONEY MARKET FUND, don’t worry! You will receive an email that contains information about the fund like this.

 

What I like about GInvest

I like that I can easily invest. Investing before was (in my opinion) more tedious than just setting aside money for savings. I think it’s tedious because of the documentation that you need to fill out. You also need to coordinate with a financial or wealth advisor, even during the initial stages of the discussion. And lastly, to top up, you pay using bills payment channels, but to know if you have “subscribed”, you will still receive their manual “letters and official receipts” weeks after. If you want to know if your subscription was received, you will still need to check with you advisor oftentimes.

I also appreciate the amount of control that’s given by GInvest. I can invest or redeem whenever I want. I can also get updates and see my subscribed shares when I open the app.

I also like that the minimum investment amount is Php 50. When I first saw this, I couldn’t believe it!

Lastly, the “set reminder” functionality that sends an SMS to you with the amount that you set is something that is very useful. You can set it to remind you every middle and end of the month or every end of the month or every end of the quarter. It just makes everything more consistent.

What I wish GInvest would have

I wish they would have more investment products like stock both local and foreign stocks, etc. Also, if there’s a way to lock that certain portion of the GCASH app. This is just for extra data privacy. Also, if you could possibly add analytics (or a way to tell us how much we should invest to POSSIBLY reach a goal for our personal investments, that would be awesome!

So that’s about it, guys! Will I continue investing GInvest? Yes, I will.

I think I trust GInvest enough and most importantly, it’s so easy and convenient! haha!

Love Lots,

First of all, I’d like to thank the hundreds of people who have attended The Freelancer Fair. I am deeply moved by your support. I hope that The Freelancer Fair will be a milestone in your freelancing journey. As I’m excited to write about the fair, I found myself thinking about the industry and things that stop freelancers from achieving their dreams. I’ll probably write about the fair in the days to come. I decided to download all of my thoughts into this blogpost.

I’ve seen this industry grow and thrive since 2010. This was the year I started my own freelancing journey. The freelancing industry is definitely a colorful industry. This is what I find most appealing about it. There are a lot of things happening, a lot of events and workshops, a lot of online courses being offered and a lot of live videos, and a lot of inspiration. There’s enough variety to make someone from the outside curious about what’s happening on the inside.

In this industry, there are people willing and able to help you start freelancing. They will help you when you’re stuck in a rut and don’t know what to do. There are big brands, like PayPal, who support you every step of the way (BTW, if you don’t have a PayPal account yet, you can click on this link: PayPal). We have more than 20 communities in the Philippines. Each of these communities have their own advocacies and each one captures their own segment of the industry. All of these support are readily available for anyone interested to be a freelancer.

So I still wonder why there are still aspiring freelancers who are scared to get into this fun-filled, super caring and supportive industry? Why can’t they start their freelancing journey? Why is one disheartened (after a few months or a year) to continue freelancing? Why do some people fail while others succeed?

A big factor is FEAR. We are scared of a lot of things.

I talked to a lot of long-time freelancers and those who are thinking of jumping into this industry and I have grouped the “fears” that they have encountered into 6 FEARS.

Fear #1: Lack of skills
Being new to this industry, we hear things like Virtual Assistance, Online Business Manager, Email Marketing, Facebook Marketing, Content Marketing, SEO, Blockchain, Cryptocurrency, Artificial Intelligence, Media Buying, etc. Most of these things are words that we haven’t heard before. We often feel that we may not be able to grasp and fully understand any of these things. We think that we may not have any place in this freelancing world, but this is not true!

IMHO: There will always a place for you in this industry IF you REALLY, REALLY want to be part of it. You just need to discover your own strengths and weaknesses. After which, focus on your strengths and develop skills that are aligned with these strengths. Note that if you discover in the future that what you really love is not in this industry, there is nothing wrong with that. The most important thing is that you live a life doing the things that you love.

Also, we need constantly be curious about different things. We always need to strive to learn something new every day!

Do you feel like you’re not spending enough time with family?

Fear #2: Lack of Time Management Skills

A lot of people who start in this industry juggled family life, maintaining a day job and doing side projects. With this, some people feel like they will fail because they don’t have time management skills.

IMHO: The way to face feeling this way is to accept that you will never have the perfect balance of time spent for each aspect in your life. I, too, still feel guilty that I don’t spend time with my family as often as I want to. On other days, I feel useless for some projects that I’m involved with. And in other days, I feel guilty that I could have done better in a freelance work that I delivered to a Client.

But this is not how I feel each and every single day. In days that I feel guilty about not spending time with family, those are the day that I excelled in my freelancing career, and vice versa. So no matter how good your time management skills are, juggling all of these is a fact of life so there is no need to fear it — just be ready for this kind of life.

Do you feel like your missing out on the things that your friends have?

Fear #3: Fear of Missing Out on Corporate Success

Jumping into a new territory always makes us feel like we’re missing out on the world that we left behind. I remember the first time I went full-on freelancing. During the first three months of my freelancing journey, there wasn’t a day when I wanted to go back and work again. I felt bored, depressed, and discouraged. I felt that I was missing out on a lot of things. My friends were going up the corporate ladder, while I was starting from scratch. I had nothing. All I had was my dream and my skills and talent.

IMHO: You don’t need to be scared that you’ll miss out on things that your friends are experiencing. You have your own journey. Each one of us have our own mission in life and our purpose to accomplish. Stop comparing. You’ll miss out on a lot of things when you spend time comparing and sulking. Focus on growing, achieving and helping!

Fear #4: Fear of not having Income stability

Fear #5: Understanding Taxation

Fear #6: Lack of Client Projects or Lack of Skill in Handling Clients

I have much to say about the last three fears. These are the ones that came up more often when I interviewed aspiring freelancers. I will discuss these three during the workshop that I will have with PayPal (Take the Dare: Fear-Proof Your Freelancing Journey). This will be the 10th PayPal Freelancer Community Workshop on September 8, 2018!

The key topics that I will talk about for the Fear-proof your Freelancing Journey are the following:

– What are the challenges to income security and how to overcome it?
– Why it’s important to pay taxes and how it can benefit you and your business
– How to deal with tough clients and strictly manage projects

This is an outline of what I will cover.

Fear #1: Income stability

– Know how to secure finances even when projects are pending or hard to find
– Budget management
– Managing monthly projects and gross revenue

Fear #2: Taxation

– Get acquainted with taxation processes that you have to comply with as a Freelancer
– Know the business benefits and perks of paying taxes

Fear #3: Client projects

– Discover strategies and tactics for finding and pitching to clients for new projects
– Managing deadlines and pressures
– How to deal with hard clients
– How to confront rejection from a failed presentation
– Setting up an invoice system for recurring payments

If you have time to join me, please do sign up using this link: https://bit.ly/10thPayPalFreelancerWorkshop

There is a $100 surprise for a lucky attendee!


Having a PayPal account will really make things easier. PayPal is a trusted payment service by Clients from any country. This will make collecting payments easier for us, freelancers. Sign up for a PayPal account HERE!.

I’d really love to get to know you and let’s see how we can jointly overcome your fears and fear-proof your freelancing journey!