Beko: Protecting the Planet is Top of Mind

Beko, Europe’s no. 1 home appliances brand, remains committed to sustainability and saving the planet as part of its mission to empower next generations to live healthier lives.

Beko Products

Beko continues to do its part in protecting planet earth by designing and manufacturing innovative sustainable appliances and will soon launch eco-friendly appliances supported by three key pillars, including use of recycled materials, use of bio-composites and products that use fewer chemicals.

Beko Dishwasher

The big picture is that Beko’s corporate culture goes beyond just making and selling appliances.

“We are passionate about making sustainability affordable and accessible. This way the environmental benefits of our products are spread across the globe and are not just merely a luxury. With this in mind, developing new technologies enabling lower cost of sustainability is our number one priority,” said Gürhan Günal, Country Manager of Beko Pilipinas Corporation.

Beko Coffee Maker

Arçelik, Beko’s parent company, has robust systems in place for increasing the reparability and recyclability of its products, and for sustainable productivity practices such as energy efficiency and reducing supply chain environmental impact.

Arçelik has accomplished important milestones around its sustainability efforts.

Beko Washing Machine

It has been ranked 34 on Corporate Knights’ 2021 Global 100 Index, the annual ranking of the world’s 100 most sustainable corporations which looks at the performance of companies with more than $1 billion in revenues. This ranking makes Arçelik the most sustainable home appliance and houseware company in the world.

In 2019 and 2020, Arçelik became a carbon-neutral company across its global production operations via carbon credits earned through the Carbon Financing Project. Last year, it was named industry leader in the Household Durables category in the Dow Jones Sustainability Index. Arçelik has been included in the category for the fourth year in a row.

Beko EcoFiber Oven

Arçelik is recognized as a “Top Impact Company” by Real Leaders for efficient use of resources and circular economy solutions to develop smart technologies, promote healthier lifestyles and empower local communities.

This year, Arçelik has been awarded as Gold Class and Industry Mover by S&P Global.

Furthermore, Arcelik’s 2030 greenhouse gas emissions reduction targets are approved by the Science Based Targets Initiative in line with the Paris Agreement’s goal of limiting temperature increase to well below 2°C. By 2030, 100% of the electricity used in production plants around the world will come from renewable sources, waste recycling will have increased to 99% in global operations, recycled plastic content will have increased to 40% and energy and water consumption per product will have decreased by 45%. “With this in mind, developing new technologies enabling lower cost of sustainability is our number one priority. Beko’s goal is to eventually incorporate these sustainability measures into all our products. Beko’s brand purpose is empowering future generations to live healthier lives – which

is only possible by living more sustainably and working towards a healthier planet. All of our actions and every product we use has an impact on nature. So beyond this seven-product portfolio, we are eager to adapt our existing technologies to make all our appliances more environmentally friendly, too,” said Gürhan Günal, Country Manager of Beko Philippines Corp.

Beko Tumble Dryer

With its parent company Arçelik, Beko will continue to increase investment in energy efficiency and renewable energy systems and be consistent in minimizing operational and supply chain environmental impact.

“Beko is committed to protecting our Mother Earth by designing and manufacturing energy-efficient products and investing in resource efficiency in production. Beko encourages its competitors to follow suit,” said Günal.

Tara, NHA, Konek Tayo!

The right to internet access is a basic human right. This was shared by Atty. Marylin Pintor, UIndersecretary of DHSUD. I researched about it and it’s known as the right to broadband or freedom to connect (https://en.wikipedia.org/wiki/Right_to_Internet_access).

I would have to agree since a lot of the things that we do online need internet connection. It shouldn’t be a luxury only accessible to those who can afford it. Having internet connection means that the kids in our communities get to learn. Teachers are not interrupted also in practicing their profession.

Another thing is that we will have the option to use technology for our day-to-day activities like paying our bills, utilities, etc.

And when it comes to looking for livelihood resources, the internet is also a powerful tool. It give equal opportunities to everyone so that they can earn a decent living. When the pandemic hit, technology has helped a lot in connecting businesses with their customers despite the challenges.

Recently, Globe and the National Housing Authority launched their partnership to connect 11 NHA communities to KonekTayo wifi of Globe. This means that a lot more individuals and families will have access to internet.

Tara NHA Konek Tayo: Ceremonial Launch of the Globe x NHA partnership
Tara NHA Konek Tayo Globe Employees who are part of the Project
Tara NHA Konek Tayo: NHA Employees who are part of the project

This is such a great initiative and I wish that this partnership will support more communities.

This project is powered by KonekTayo Wifi. You can check it out here: http://www.konektayowifi.com/

My Love for Personal Finance

e

Since I posted that I’ve been buying and trading US Stocks via Gotrade, my friends and my daughter have been asking me about trading. Zeeka (my daughter) came up to me one night and asked me why I constantly check weird lines that go up and down on my phone. I said, “Honey, I’m checking the market”. Then she asked me what’s the “market”. So I gave her a simplified version of how purchasing stocks work, in a version where she put up a hotdog stand.

This led me to think about writing this article. Growing up, I wasn’t really exposed to how money works. I just knew that I needed to make lots of it, because that’s what people do. People around me were always saying they wanted more money, my parents were encouraging me to save, etc. And, having a lot meant I get to buy all of the toys, gadgets and clothes that I wanted.

I knew about savings and my parents taught me to save money in the bank under time deposits. But they never really taught me about index funds, bonds, stocks, mutual funds, etc. I was around 27 years old when I made my first personal purchase of an investment + insurance plan from one of the big insurance companies in the Philippines. Every month I would deposit a minimal into this plan (with no fail), and thankfully, today, I can use it for anything in the future, like my retirement or my kid’s education.

This started my love for personal finance. All of these seemed so interesting! I found friends who I got to learn from and who shared the same interest. Learning about growing money excites me. LOL! I know it’s a weird thing to say, but to me, it’s a game. It’s a game where you’re competing with a lot of different factors, testing out different moves and strategies.

Don’t get me wrong. It wasn’t always fun. There was time when I found myself close to a million pesos in credit card debt. It may be small to a few people reading this, but I’ve never had debt that huge in my entire life. I managed to wipe off that debt in one year, and I’m super proud of this.

I don’t have dreams of becoming a billionaire. I’ve never been that kind of person. My dreams are more for my children (if you’re a parent, you’d understand this) and for the world. I really, honestly-to-goodness want to help in making this world a better place, and I chose my niche. My heart goes out to MSMEs and freelancers out there because I have been where you are at a certain point in time. I understand the struggle, the hustle, the pain and the triumphs that these people go through.

So in terms of personal finance, I’d like to share with you some of the things that I’ve done that has helped me grow my money and not stress about finances in the recent years:

Be Honest with yourself

If you’re in pain because you’re bleeding out money and talking about personal finance gets you down, face the problem and understand why you’re in this situation. What helped me a lot is tracking my inflows and outflows. If you are married or live with your parents or siblings, it’s best to have track household budget and expenses, too. My husband and I track our own expenses using a Google Form. Here is a template that you can use: TRACKER It’s easy to make a tracker like this. Just go to Google Drive then create a Google Form. Once you have created the form, share it with the person who you want to track the household budget with.

A huge part of our revenue goes to mortgage (but that’s a given). What I realized from doing this is that I spend a lot on food. LOL! So from knowing this behaviour, I’ve become more intentional about splurging on food. We only splurge when their’s a celebration and only try to order food when it’s the weekend.

Never compare your life with others

I love looking through Instagram, Facebook, TikTok, Youtube and there are times when I honestly compare myself and what I have with others. It’s so tempting, right? When someone else has that new iPhone model, or a bigger house or when someone else has a stock portfolio of a $1,000,000, you can’t help but wish, when is it going to be my turn. But what I have learned is that our lives are different. Whenever I’m tempted to buy, I ask myself, will this be something that I really need in my life (channeling in Marie Kondo). Sure, a few thousands of pesos will definitely bring more comfort. But if you stress yourself out in the journey getting there, is it really worth it?

Rules I Follow when I invest Money

We all know that cash in a savings account is obviously safe, but that’s it. Nothing happens to your money, because interest is so small that you don’t really feel it grow. Plus, over time, money really depreciates in value. So the trick is really to place it in a vehicle that earns more than the yearly inflation rate at least. This is why I have learned to be more open to risks.

My first rule in investing is to know how much risk are your are willing to take. Don’t invest in something that you haven’t researched or read about. Also, don’t invest money in high risk vehicles because you can lose all of this in an instant.

My second rule is to diversify. We scattered our funds and have investments in PH and US stocks, mutual funds, high-yielding savings accounts and crypto.

And my last rule is to never invest in something that you don’t understand. Don’t get me wrong. You don’t have to be an expert on investing, but read up or watch videos online. There are a lot of resources online that will teach you about investment. Don’t get left behind, too, when it comes to knowing about what’s happening around you. There are a lot of fake and crazy news that you’ll eventually read — a lot of scams, too. So learn as much as you can, ask friends or people who have tried these investments out and practice caution (but not to the extent that you’d rather keep your money under the mattress).

I hope you liked my thoughts for today on personal finance. I am not a financial expert so these are really general tips and the things that I shared and will share with you are really based on my own experience. Having said that, for those who would love to learn about Crypto Trading, you can start by reading this article:

It’s about how to get started on Cryptocurrency trading using Binance. Binance is the main platform that I use.

Let me know if you have other topics (personal finance is so broad) that you want me to discuss, zoom in on, and talk about.I also talk about finance on my TikTok channel so you can follow me here: https://www.tiktok.com/@gingerarboledatv

‘Til next time! Happy investing!

Buy Foreign Stocks with Gotrade

As you all know, for the past month, I’ve been investing in Crypto currencies. I haven’t earned yet, to be honest (haha! I bought half of my coins when the market was high). But the past month, I’ve been learning a lot. Plus, this is such an exciting space. Anyway, I digress. What I wanted to share was that I started Stock Trading in the US Markets, too! We’ve been investing in local stocks for years now. Having listened to financial US vloggers made me curious about trading in DOW, S&P and NASDAQ. Yup, I’m easy to influence! With this, I checked out Gotrade.

I actually signed up for eToro and Gotrade, and decided to go with Gotrade first. The reason was because there were certain stocks like Tesla stocks that I wanted to purchase, but eToro had minimum lot sizes (you needed to invest $1000 to buy into Tesla). Since I just wanted to try trading in the US market first and not jump into it, I went ahead and used Gotrade. Gotrade allows you to invest with smaller amounts.

Signing up and Depositing into a Gotrade Account

When you sign up to Gotrade, you need to have a invitation code. I used my friend, Marvin’s code. For those reading this, you can use this code below.

Gotrade will give you free $5 if you go through the process — signing up, getting verified, depositing $10, and trading your first stock.

For depositing into Gotrade, you can choose instant deposit to Gotrade and transfer up to $1000 or you can use deposit to Gotrade for bigger amounts. For the former, you can use a Unionbank account (instantly deposited with a fee of Php 10) or a BPI account (instantly deposited with a fee of Php 12). For the former, you can use a Unionbank account (3 days to be deposited with a fee of Php 10) or a BPI account (3 days to be deposited with a fee of Php 12). The minimum amount that you can deposit for both options is around $1, so the equivalent of whatever the given exchange will be.

You can also deposit in USD via Swift transfers.

Trading in Gotrade

Just go to a particular stock that you want to purchase and click on trade. When the markets are closed in the US, you can’t trade. I don’t know if it’s just my account (since I only deposited $10 to try it out), but there is no day trading or setting limit orders in Gotrade. You buy the stocks at market rate, which may be to a disadvantage for more savvy investors. It’s simple enough though for those who are starting.

How Gotrade makes money

So to know how this platform earns, they’re very transparent. They actually enumerated these things in the app. I’ll share it with you here, too, just so you know.

These are their sources of revenue:

  • A small fee collected on the foreign exchange from your deposits
  • Interest income generated from cash
  • A premium paid subscription program (coming soon!)
  • Interchange fees on your debit card spends (coming soon!)

My purchases so far and my experience…

I appreciate the fact that the app is very simple to use. All of the features are presented in a way that’s very straightforward. I love the way the sign up process (onboarding process). I just started yesterday and deposited $10, so I will still explore the app further and let you know my thoughts on this.

I bought partial shares of AMC, Amazon and Tesla. Why? Just copied the vloggers that I watch really (so copy me at your own risk, too! haha!). For each stock though, I appreciate the fact that they have a very comprehensive page that shows the market stats for the stock, news about them, and the story behind the company. This is so that users can read up on the company who’s issuing the stock.

So for one day of trading, I grew the $15 ($10 from me and the $5 FREE from Gotrade) to $25.15. This is really because I got into AMC when it was $33+, and with one day of trading, it’s now at $62.55. So this is really not how quickly you earn (for full disclosure). There has been a lot of hype on AMC lately so treat this as an irregularity.

Going back to Gotrade, when you share your first few trades, you earn a dollar for each share. I think I earned a dollar back for the first 3 shares.

Withdrawals from Gotrade

You can enroll your bank account and they will deposit your money via SWIFT. Again, for full disclosure, I haven’t tried to withdraw yet. I’m holding on to the stocks, but once I get to a comfortable position, I will withdraw just to try it out and write about it.

So there you have it, peeps! I hope this article helps. I’ve been doing a lot of financial content on Tiktok, too, so please head on over to: gingerarboledatv on Tiktok (content in both Filipino/English).

Let me know if you have questions or tips for me regarding Gotrade in the comment section. I’d be happy to share it.

Again if you want to join GoTrade, here is my invitation code:

Happy investing!

We took a Swab Test! A CircleDNA Test

I watched a fictional show online where a tech company created an application for matchmaking based on the DNA of the users. I got curious on what these tests are and researched about it. I actually didn’t know that these test where actually available in the Philippines already, and the trusted brand is called CircleDNA. This is the brand that we wanted to try since their Circle Premium DNA Test kit can provide more than 500 reports across 20 Categories.

Why my Husband and I opted to spend on a CircleDNA Test?

In a world where new virus and diseases are constantly popping up, the best defense against sickness and poor health is prevention. And prevention comes when you truly have information and actionable insights that you can use. This is what we like about Circle DNA. They provide not just the data, but information that you can use to achieve optimal health.

Getting sick is very expensive. We always believe that prevention is better than cure.

What does CircleDNA collect?

If you undergo this DNA test from Circle DNA, you will have to provide accurate Personal Health Information. If you are submitting this for a family member, please make sure that you get their consent before submitting the test. You will also provide a DNA sample. It’s super easy. 

How to Collect DNA sample for CircleDNA?

First, you have to download the CircleDNA app and activate your kit. You can activate it by scanning the barcode of the tube provided. Next, you need to take a saliva sample. Swipe the inner side of mouth (cheeks) 10x on the right then 10x on the left.  Place the swab side the tube, seal it and shake it 10 times. 

Swab each side of the cheek 10 times
Place inside the tube and shake the tube

Then return the sample to their lab. The CircleDNA premium comes with FREE delivery and return. Just follow the instructions in the app. After 18 business days, you will have the results. Genetic data includes information about genes and regions relevant to the ordered CircleDNA Test. Just so you know, all genetic data may be used for regulatory compliance, and de-identified for internal quality control, validation studies, and research and development purposes. The CircleDNA Premium actually comes with a free 1 on 1 consultation, too.

Let’s break down some of the reports and benefits…

So I haven’t see the my report yet as my husband and I are just prepping to get the DNA samples after I draft this. You cannot eat, drink, smoke or chew gum 30 minutes before collecting your DNA sample, so I’m writing this as I’m waiting.

Let’s go through some of the benefits. There are 36 Cancer Risk reports and 65 Disease Risk reports that can show you have an increased risk of developing certain types of hereditary disorders. And if you know these things, you and your doctor can talk about ways to prevent or detect hereditary disorders earlier and potentially catch it at a treatable stage. Because relatives share some genetic features, your results may also be informative to your biological relatives.

There are also Family Planning reports which may show you are a carrier of genetic conditions that could affect your family. The test will analyze the risk profile of 163 potential conditions based on your genes. You may be carriers of genetic conditions without knowing about it. If both of you and your partner are carriers for a certain condition, in general there is a 25% chance that your offspring could develop a condition.

Other interesting reports are the diet and fitness categories test results that will give you further understanding of your own macro- and micronutrient needs, your response to power or endurance exercise and recovery speed and sports injury risk. These insights may allow you to use your Genetic Information to explore more customized solutions to reach your fitness and nutritional goals. Of course, we all know that genes is only a part of what we need to know. A big part is still played by the lifestyle that you have.

A report that I am really interested in though, since I am allergic to a lot of things (as you may now know, I have super bad rhinitis and one time, I suddenly had terrible reaction to Ibuprofen), is the drug response categories test results. These reports may give you insights to help you select the medication(s) and dose(s) that are best suited to your condition and genetic makeup. The results will identify the right medication, the proper dosage as well as medications that may be harmful for you across more than 100 FDA-approved medications. With this information, you can discuss this again with your doctor to prevent adverse reactions to drugs. 

Who can take this DNA test from CircleDNA?

Anyone can take this test. For those below 18 years old, they need to give consent to their legal guardians or their legal guardians can get it for them. 

How much does these kits costs?

These CircleDNA Premium kits cost Php 26, 240 pesos, but if you get two kits, it will be at Php 49,200 ONLY.

There  is also another kit called VITAL with 125 reports in 14 categories. These cost Php 7888 per kit.

For more information on Circle DNA, you can visit their site: CIRCLEDNA

Use my code GINGER33 for 33% OFF on all DNA kits!

We’re excited to share with you our results once we get it. If you’d love to know more about yourself and if you value your health and the health of your loved ones, come and try it out with us! Prevention is still better than cure.