Today, I’ll be sharing my views about deworming. Why this particular topic? It’s because for a time, I really thought Zeeka had worms in her tummy.
I thought she had that because of the numerous things and assumptions that I formulated in my mind (of course, as a mom, you’re concerned about a LOT of things — even things that shouldn’t worry you).
One was the fact that she’s a little bit on the lighter side. Ever since Zeeka was a baby, she was always on the lighter end of the weight spectrum. Other people would say that she was too skinny. The next thing that bugged me was that she thumb sucked until she was 4 years old. It was just when she turned five that she stopped thumb sucking. This always causes panic, because little kids would touch everything. She may not be cautious and aware of what she touches and when and what she puts inside her mouth.
The third thing was that she would always complain of tummy aches. And last but not the least, she often said that she had an itchy butt. Read online that this may be an indication that she had worms.
So these things would actually cause any mom, like me, to think and panic that their child, too, might have worms.
So I did what any worried mom would do… I googled worms and deworming and researched more about it.
I was a bit familiar about deworming. I was first introduced to deworming more than a decade ago. This was the time I was a dog breeder (yes, I was a dog breeder in my past life… haha!). I used to bring my puppies to the vet to get them dewormed.
For those not too familiar with what to do and how to go about deworming, let’s start with the definition. According to WHO, deworming or preventive chemotherapy is the process of using either an annual or biannual single-dose albendazole (400mg) or mebendazole (500 mg) as a recommended public health intervention for kids aged 1 to 12 years old (in some areas even up to 14 years old) who live in areas where the baseline prevalence of any soil-transmitted infection is 20% or more among children. This is done in order to reduce the worm burden of soil-transmitted helminth infection.
My recent discovery is that worms can be obtained from everywhere ! It’s not only because you have poor hygiene. Worms can be in what you eat and what you drink. Adults can also have worms in their tummies and intestines! These worms cause us to feel tired, lose weight, have diarrhea, feel bloating in the abdominal area or abdominal pain.
Walang pinipili ang worms kasi napa-pass on. In our family, the dewormer that we trust is Mebendazole (Antiox). We like it, because it’s choco flavored. But most of all, it’s an effective dewormer. There are two forms: 1) 10mL suspension (equivalent to 500mg) and 2) a 500 mg chewable tablet.
To take the suspension, pour the entire content of the bottle and take it one time. The same dosage applies to adults and kids. For the chewable tablet, just take one tablet and chew. So simple and hassle free!
After we “dewormed”, we felt a lot better and we felt clean. I’m not sure though if there really worms (because I didn’t check the poop… hehe). But to know if there are worms, you’ll see little white threadlike stuff in the poop or sometimes, it may be invisible, too.
So now, we feel more active. Zeeka’s tummy pains and her itch in her butt are gone. Weight is still low… haha (so I don’t think this has anything to do with her having worms, really). We are now one happy and active family!
So mommies, pass the message! Be informed and be aware. Let’s live in a worm-free community.
Share with us what steps do you take to remain “worm-free”. We’d love to hear about it!
A lot of people have been asking me how to file 1701Q. Personally, I use Taxumo for filing my 1701Q, because it’s the easiest way to compute, file and pay taxes. Full disclosure, I am one of the founders of Taxumo. The reason why we created Taxumo is to help people pay their taxes online.
Business owners, licensed professionals (i.e. doctors, interior designers, etc.) and non-licensed professionals (i.e. consultants, freelancers, etc.) can pay their taxes while focusing more on running their businesses and careers. Accountants can service clients who are far from them and will have no limitations as to how many clients they will service. They can scale their businesses, too!
Our dream really for Taxumo is to help everyone become more productive by giving them back more time to do the things that they love, the things that they are good at and the things that they can earn from.
Okay… the frequently asked questions recently are how to file 1701Q for the first quarter? How do I opt in to the new 8% GRT option for those earning gross revenue of Php 3 Million pesos and below for the entire year?
For the sole purpose of this article, we will only tackle the 1701Q forms for Sole Proprietors, Licensed and Non-Licensed Professionals. I won’t be able to tackle 1702 since this form is used by Corporations and Partnerships.
What is 1701Q and 1701?
These are BIR forms for you to pay your Income Tax. The way income tax is computed is to get the taxable income which is Gross Sales minus Gross Purchases. Then the taxes are based on a tax table if you chose the Graduated IT Rate (and chose Itemized or Optional Standard Deduction).
With TRAIN or the new tax law, there is a new option for this who are earning Php 3 Million Gross Receipts / Revenue per year or less. This is the 8% Flat Income Tax Rate. The computation is based on your gross sales less exemptions.
How do I file my 1701Q for the First Quarter using Taxumo?
First of all, create an account in https://www.taxumo.com. The details that you need to place when you create an account should be based on your Certificate of Registration (COR) so keep a copy beside you and also have a soft copy (picture or scanned copy) available in your computer.
You will then be directed to a blank DASHBOARD.
Click on the Company Profile tab on the left side of the screen. Please make sure that all details are correct (ex. Taxpayer’s name is how it is written in your COR — an individual’s name is written as LAST NAME, FIRST NAME MIDDLE NAME). Just copy how it is written on your COR.
For filing your 1701Q, make sure that you have chosen the correct ATC or Alphanumeric Tax Code. First, you determine whether you’re Business Income, Income from Profession, or Mixed Income: to do so remember how you registered in the BIR.
If you are earning compensation income (from an employer who withholds compensation taxes and gives you a Form 2316) AND earning income from either business or profession, then you fall under “Mixed Income”
If you presented DTI and a Business Permit when you registered and you registered as a Sole pProp in the BIR, then you fall under “Business Income”
If you got an Occupational Tax Receipt or Professional Tax Receipt as part of registration or you did not submit any Business Permit to the BIR when you registered, then you under “Income from Profession”
Then now comes the choice if you want to avail or “opt-in” to the 8% Income Tax Flat Rate. If you want to avail of it, then choose the appropriate ATC with the 8% indicated. We will take care of helping you opt-in with the BIR.
*Some users, aside from opting-in to 8% via the first 1701, ask their BIR RDO to have it indicated in their COR or Certificate of Registration. If you want this, you can go to your RDO and ask the officer of the day if this is possible.
Also, don’t forget to set the Deduction Method.
The rule to follow: If your Expenses > 40% of your income, Itemized is the more tax efficient choice. If your Expenses <= 40% of your income, OSD is the more tax efficient choice.
The income source for people who have no day jobs is “solely from business”. Those with day jobs or local employers issuing 2316 forms and with employee contracts are “mixed from business & employment”.
Then choose if you are a Single Proprietor or Professional.
A lot of people ask about “DISPLAY FORMS FROM” also. Indicate here the date when you got your Certificate of Registration from the BIR. Then for uploading of a copy of the Certificate or Registration and Digital Signature, you can go back to this on a later date. This is not required by TAXUMO.
Now, you can start encoding your income and expenses. To file 1701Q- Quarter 1, make sure that you encode January to March income and expenses.
Don’t forget to add and encode the 2307 forms that you have at hand. Click on Withheld Tax then click on Received.
Click on Add Record. BTW, please have a picture or scanned copy of your 2307s in your computer / device before adding them here.
Just copy the details then click SUBMIT.
Once you are done encoding Income, Expenses and your Withheld tax forms, you can go back to your Cashflow Dashboard. On the right side of the screen, you will see your TAX CARDS. These are the taxes that you need to pay from the date when you received your Certificate of Registration. If you have filed some of these taxes offline or not via TAXUMO, just click on “Mark as Paid / not applicable”,
Do note that you can pay your Tax Dues with already computed BIR compromise, surcharges and penalties for tax dues a year prior to today.
One of the boxes that you will see is labeled Quarterly Income (Q1 Jan – Mar). This is the TAX CARD for 1701Q – First Quarter. To file it, click on “File now”. This screen will show.
Once you have filled that screen out, TAXUMO will show your tax dues. Most of us Sole Proprietors and Professionals will probably have Zero or Negative Filing for this quarter. This is because the Php 250,000 exemption is taken into account in the computation of your income taxes. So don’t panic! haha! 🙂
To pay your 1701Q, you can choose any of the available options. For each option (except PayPal/Credit Card), an email instruction will be sent by DRAGONPAY. Please be sure that you key in your correct email address when it is asked. The instructions will be sent there. Read carefully and just follow the steps indicated.
Once you’ve paid and followed the instructions via email, you’re done! You have just filed your 1701Q – Q1. Hope this article helps you out and answers our most pressing question this month on how to file 1701Q. 🙂
BTW, you will see the form, BIR confirmation and Payment confirmation in the “Past Filings” tab. If the status is still in processing, this means that you’re all done. Next steps are with us. Taxumo will be processing the forms in batches to make sure that we don’t “clog the pipes” of BIR, so to speak. Rest assured that your filing will be completed on or (more likely) before the tax deadline.
That’s it and I hope this article helped you out! 🙂
This is one of the books that I read early on that gave me a clearer perspective that my financial life was in shackles. I bought this book way back in 2009 (the book was published in 2005). During that time, I was living pay check to pay check. I was happy with my job, but this was when I realized that I should look for ways to earn more.
At that time (2008), it was the start of my blogging career. This survey was something that helped me see that I could do so much more. Sharing it with you. Please note that this was a part of the first chapter of the book. Feel free to answer it, but please do get a copy of the book since the next chapter are just awesome. After the survey, I will share the top three things I’ve learned from the book. So here is the survey… 🙂
Consider each of the following statements and answer True if it describes you or your behavior all or most of the time and False if it rarely or never describes you or your behavior.
*Let me answer it now, too, as this I hope is way better than what my answers were 10 years ago.
____ 1. I have a concrete financial goal (an actual number) toward which I am working. (TRUE)
____ 2. In the past year I have attended at least one seminar or workshop related to financial planning or investing. (TRUE)
____ 3. I carry no credit card debt from month to month.
____ 4. I balance my checkbook each month. (TRUE)
____ 5. I have investments in my own name (whether you are married or partnered). (TRUE)
____ 6. I take advantage of my company’s perks. (If you don’t know what they are, answer False.) (TRUE)
____ 7. I turn down personal loan requests to people I think aren’t likely to repay them. (TRUE)
____ 8. I know my (or my family’s) net worth. (TRUE)
____ 9. I have a plan in place for how to survive financially if something catastrophic were to happen (sudden loss of a job, loss of a spouse or partner, etc.). (TRUE)
____ 10. I shop on the Internet only when I have a specific purchase in mind.
____ 11. Even if I don’t prepare them, I review tax returns before signing them. (TRUE)
____ 12. In addition to any retirement accounts held by my employer, I have a retirement savings account. (Answer True if you and your partner hold one in joint names.) (TRUE)
____ 13. I’m comfortable asking for the salary or fee I deserve. (TRUE)
____ 14. I advocate loud and clear for myself when I feel I’m not getting my fair share. (TRUE)
____ 15. I’m executing a plan to live a rich life. (TRUE)
____ 16. I regularly read newspapers, magazines, or articles that help me stay abreast of financial planning developments. (TRUE)
____ 17. I don’t feel as if I have to match the monetary value of a gift to me by giving one of similar value.
____ 18. I know what my monthly discretionary spending budget is, and I stick to it. (TRUE)
____ 19. I have taken calculated or advised risks to maximize my financial portfolio. (If you are not involved with helping to manage your family’s portfolio, answer False.) (TRUE)
____ 20. I make a profit on the products or services I provide to friends. (TRUE)
____ 21. At the beginning of each year I plan my charitable giving.
____ 22. I play the financial game to win.(TRUE)
____ 23. I would have no problem requesting a prenuptial agreement that would protect my assets (or I have already done so).
____ 24. I avoid shopping when I’m feeling down or blue. (TRUE)
____ 25. I regularly analyze my spending habits. (TRUE)
____ 26. When it comes to my money and investments, if something doesn’t make sense to me, I ask probing questions. (TRUE)
____ 27. I work in a traditionally high-paying field.
____ 28. When I loan money to family or friends, I clearly state when it is due back and follow up if it’s not back by that time. (TRUE)
____ 29. I consciously explore ways to get rich other than from my current income. (TRUE)
____ 30. Before getting married or living with someone, I had (or would have) open discussions about how we would manage money and finances. (TRUE)
____ 31. I don’t buy things priced higher than what they’re worth just because it’s convenient or saves me time.
____ 32. I read the investment statements I receive each month. (If you don’t get any, answer False.) (TRUE)
____ 33. I make the maximum allowable contributions to my retirement plan each year. (TRUE)
____ 34. I typically use all the vacation days to which I am entitled each year. (TRUE)
____ 35. I’m a good negotiator. (TRUE)
____ 36. I don’t let people dissuade me from pursuing moneymaking plans. (TRUE)
____ 37. My financial well-being is among my top three priorities. (TRUE)
____ 38. I’m good at controlling the urge to buy something I want but don’t need. (TRUE)
____ 39. I meet regularly with an investment adviser (alone or with a partner) to keep a check on my financial health. (TRUE)
____ 40. I own my own home (either alone or in joint names). (TRUE)
____ 41. I ask my company to pay for training programs that will enhance my earning capacity.
____ 42. I take full advantage of all lawful deductions on my income tax return. (TRUE)
SELF-ASSESSMENT SCORE SHEET
Step 1. Record your True or False responses from the questionnaire in the numbered spaces below.
Step 2. Add down the number of True responses you have in each category.
Step 3. Add your scores on the bottom line across for a total score.
Circle your two highest scores on the bottom line.These are the two areas in which you are most comfortable acting in ways that contribute to your financial well-being.
Circle your two lowest scores on the bottom line. These are the two areas in which you have the most difficulty breaking free from stereotypically feminine behaviors. Each column represents a corresponding chapter in this book. You might want to go directly to the chapters where you scored lowest, to read more about how you can address these financial development areas.
If your total score is:
0-21 You’d better get moving if you ever want to lead a financially independent life. At this rate you’re going to be poor or be dependent on others for the rest of your life.
22-34 You’ve made a good start, but you’re nowhere near the finish line. Focus on those areas where you still have difficulty with becoming financially independent. You’ll find that small changes pay big dividends.
35-42 If you’re not already financially independent, you’re doing a great job of getting there. Continue what you’re doing and use this book to find some strategies for getting there even sooner.
I still scored 34! haha! But at least i’m almost at the stage where I can be financially independent. I just need one more point! 🙂
But seriously, I took this 10 years ago, and I was at the lowest tier. But that didn’t stop me from striving to be better. Now, I have my own excel sheet that shows me at any given time my net worth and the net worth of my family and what my plans are.
The Three things that I learned from Nice Girls Don’t Get Rich:
First of all, hats off to Lois P. Frankel, PhD, who wrote this book and started to made all of us women aware that we can also be financially stable.
The first realization that I had was that most of us (and this applies to any gender) blame not knowing and understanding math. We equate having less money because we aren’t good with numbers. What the book made me realize is that it’s not so much addition, substraction, multiplication and division, but more of monitoring the inflows and outflows of money (income and expenses). When you know and track all of these, you will know where you are “financially” in your life and you will even be able to determine your “net worth”.
The second realization that I had was that as a woman, I can dare to be more confident and take charge of my life. We cannot always lean on the “men” in our lives to help us out at all times. We need to take time out for “rich time”. Rich time means taking time out to learn more about investments, taxes and other financial matters.
The third one is that we confuse saving and investing. We need to make money work for us! Start having investments and grow your money overtime with the interest that you earn. The younger you start, the better. Take advantage of compound interest. An example of how compound interest works in the book (i’ll just change the currency) is this:
If at 30, you transferred your savings account of Php 10,000 into an investment account with a modest annual interest rate of 5%, then contributed just Php 200 per month until you reach 60, you would then have Php 394,256.65.
My last realization was related to my first one. It’s not so much math, but more of the discipline that you have to make things work. If you were consistent in setting aside money for investment, then you’ll have no problem financially later on in life.
Women, I highly recommend this book! If you just want a simple book that will give you practical tips that you can follow, then this is the resource for you.
If you have read Nice Girls Don’t Get Rich, let me know and share your thoughts with me!
We are a family that loves playing boardgames. And these boardgames that we play are not your traditional Monopoly, Snakes and Ladder or Pictionary. We (and when I say “we” in this case, I’m really pertaining to my husband… haha!) have close to 50 table top games.
We have Deck-Building games, Cooperative Games, more confrontational games, etc. For this summer, I thought about creating a list of boardgames for kids that we love! These are games that you can purchase and play with your kids, because the rules are simpler and game time is not that long.
We love them all so here is our list in no particular order!
In the Philippines, we love playing BINGO! The objective of the game is almost similar to playing BINGO! Basically, the objective of Azul is to gather the most number of points by filling up their “colorful” tiled wall. The colors have to be laid out in a manner where a players can score the most points. There are specific patterns that score more points. Completing a colored set will also earn extra points.
Azul is an abstract board game. Abstract in the gaming world means that moves made are based on pure strategy. This game was designed by Michael Kiesling (Wikipedia). This boardgame was released by Plan B Games in 2017.
This game’s theme is inspired by the Moors (Moroccan), a Muslim population that resided in Spain and Portugal in the Middle Ages. They had azulejos (originally white and blue ceramic tiles). Azulejos are painted tiles that form beautiful artwork and are normally found inside and outside places of worship, palaces, schools, houses, etc.
What we like about the game:
The game is very aesthetically appealing. Kids will love how beautiful the game is. This game is best played by 7+ year olds. Here is how you play it!
Zeeka loves this game, because there are a lot of cute little animal drawings. The objective of the game is to create 4 completed and fully filled out blocks of land and to earn the most number of points. You “complete” it by building a park and putting tiles of lands with bears on it. Some tiles have corresponding points. Completing objectives also such us being the first to have 3 tiles with the same types of bears will give you extra points.
I love that the game is based purely on strategy, too. All tiles are visible, so getting points are all based on the decisions that you make.
What we like about the game:
It’s very simple to play. It even tests and helps builds the spatial intelligence of kids. It’s also a nice game to play with adults if you want to introduce them to the world of tabletop games! 🙂 This is how you play it.
Dice Forge is designed by Régis Bonnessée and is published by Libellud / Asmodee. Asmodee is one of my favorite game publishers. They are the publishers of our first game that got us addicted to boardgames — Splendor! They also released Catan, Carcassonne, Splendor, Pandemic, Ticket to Ride, etc.
For Dice Forge, the objective is to get the most points. What makes this game standout is that you can change the faces of the dice that you have. To get point, you either get to roll a die with a face that gives you points, or get cards that that are equivalent to points but you have use up the other resources that you have.
What we like about the game:
Changing the die faces is appealing to kids. They get to choose the face that they want to place and then change it themselves. To play this game on your own, you need to be at least (I would say) 9-10 years old. The younger ones (5 to 8 year olds) can help an adult play by throwing the dice, moving the pieces and changing the faces of the die.
This is how you play Dice Forge:
The objective of the game is to get the most points. In this game, we are circus performers going through rounds of practice. We will then present what we practiced on the third round.
We base our circus acts on the cards that we drafted. Players will then score points for completing acts. There are three types of acrobat performers that score points in specific ways. In the second round, each player will also draft a Star Performer, a unique meeple.
The third and final round is where player draft their final performances.
What we like about this game:
We love the game pieces of Meeple Circus. The little horses, elephants, etc. are so cute! Kids will love them! The mechanics is also very simple. Kids can also practice their tactile and motor skills when they try to follow their drafted cards using the little pieces.
This is how to play Meeple Circus:
These are the four boardgames that you and your kids can play this summer.
Do you have other suggestions? Please let me know by replying in the comments section below. If you also have a video of a review or play through, please share it with me, too!
Although I’ve been going with my family to Korean restaurants ever since I was a child, my sincere and personal love for Korean food started when I started watching K-Drama 2 years ago. These shows just change you! Seriously. There was this K-Drama called Let’s Eat that had a story but in every episode, the characters would gather around meals and dishes that one would them explain. After every episode, I would crave for Korean food. So Korean dishes have been one of my favorites (aside from Filipino dishes) since that time.
In BGC, we tried out this new Korean restaurant at the new One Bonifacio High Street Mall. The restaurant was surrounded with a floor-to-ceiling transparent glass enclosure, so you could see customers grilling their dishes and enjoying their meals. The retractable Korean BBQ Exhaust and the Charcoal Grill Set was available for use at each table. We (Zeeka, me, EJ and Ate) hurriedly grabbed a seat at the couch in the almost full restaurant.
After ordering, we were given the traditional Korean Appetizers called Banchan.
Banchan (/ˈbɑːnˌtʃɑːn/, from Korean: 반찬; 飯饌; banchan [pan.tɕʰan]) or bansang is a collective name for small side dishes served along with cooked rice in Korean cuisine. (https://en.wikipedia.org/wiki/Banchan)
After a while, our orders arrived. Our main order was the Premium BBQ Combo Set. This set includes the following good for 4 people:
240g of meat per person with other dishes
2 orders of Medium Woo Samgyup
Medium Yangnyeom Tohsisal
Small Fresh Samgyupsal
Small Smagyupsal (choice of any flavor)
1 Medium Dak Ganjeong
4 unlimite white rice (add Php 20 per peson to upgrade to Kimchi Fried Rice)
Have no clue on what thee Korean Meat Variants are? Let’s go through them!
Woo Samgyup (우삼겹) is the USDA Choice Beef Belly. It is marbled beef belly. It usually is sliced thinly, too, and best cooked at “medium” instead of “well done”. I loved this! This was my favorite.
Yangnyeom Tohsisal is lean, juicy and flavorful hanger steak marinated in Korean sea salt according to Soban.
Samgyupsal or Samgyeopsal (삼겹살, lit. three-layer meat) is basically grilled pork belly. The cuts are normally thicker for this meat variant.
These meat are soaked overnight in any of Soban’s 6 signature marinades—Original, Fruity, Soy Garlic, Honey Spiced, Black Pepper, and Gochujang—all formulated in Korea.
For those who love chicken, do try the Dak Ganjeong. Dak Ganjeong is caramelized boneless fried chicken. The picture above is the medium sized order. It comes with the combo set.
We, Filipinos, love this next dish called Japchae. Japchae is stir-fried Korean vermicelli noodles with assorted fresh vegetables and pork bits.
The last dish the was part of the combo set, apart from the soup and the rice is this Haemul Pajeon. Pajeon is a traditional Korean Pancake made with squid, shrimp, Korean Mussels and green onion. I love how Soban K-town Grill prepared it as it was more chewy than the other Pajeons that I have tried. It was also mostly meat than egg!
Since we underestimated the quantity of the Soban’s Premium BBQ Combo Set, we ordered one more dish. We ordered Bibimbap. Dolsot Bibimbap is Korean mixed rice served in a sizzling stone bowl.
Apparently, we OVER ordered and had to bring a lot of left-overs home. But this was really yummy food that we ordered!
We still had room for dessert, of course! We ordered this K-Drama named dessert, Coffee Prince. Coffee Prince is homemade coffee flavored ice cream on a soft graham red bean sandwich. I don’t normally like dishes with beans but this combination works!
Soban K-Town Grill also offers a Mega Meat BBQ Set which is good for two people. This set is only at Php 1000. Ever since our visit, I have been wanting to go back.
I loved that it’s reasonably priced. I love that the food is so delicious and the staff was so accommodating. They explained what the dished were when lil ol’ me kept asking about each dish.
Take your family to the new branch in Megamall (3rd level of Megamall Bldg B.) Order the Mega Meat Set for 2 to feast on Woo Samgyup Beef Belly and Samgyupsal Pork Belly with unlimited rice, soup and side dishes at P550 all in per person. A duo of diners can also choose the flagship Woo, Samgyupsal and Dak Ganjeong P445 all in. Bigger groups can enjoy the Premium Set for 4 for P605 each all in. On a budget? Enjoy BBQ meats for as low as P242 to P423 all in!
Soban K-Town Grill is an original collaboration between award-winning Korean restaurateur, Mr. Sung Rah, of Sariwon Korea and the Happyfoods Group of Sariwon Philippines. All recipes are developed by Mr. Sung Rah, with his team of Korean chefs sent to train their Philippine counterparts.
Apart from the Megamall and One Bonifacio High Street Mall branch that we went to, experience real Korean favor and visit them at Eastwood Mall, Alabang Town Center, Greenbelt 3 and SM North EDSA, Robinsons Place Manila. Visit Soban on Facebook http://www.facebook.com/Soban.KTown and follow @soban.ktown on Instagram for more information and promos.