Category Archives: Family

Burj Khalifa (World’s Tallest Building) Tour Experience

Over 800 meters tall. 200+ storeys making it the most number of floors ever in a building. High-speed elevator travelling at 10 meters per second. These are just few interesting facts of the world’s tallest building – Burj Khalifa.

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My family and I had the opportunity to experience the Burj Khalifa tour in October. We were rushing to the meeting point which was in Dubai Mall (next to Cafe Court) – ground level as we were a bit late.

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In the lobby area, we were welcomed by a glass replica of Burj Khalifa. The wall behind was plastered with interesting facts about the other notable tall buildings around the world.

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After few minutes, we were advised to proceed to the main entrance where the tour would begin. Just a heads up – they have strict security policies. There were metal detectors and luggage x-ray machines. Click here to see the prohibited items.

While on the walkalator which led to the elevator area, we were entertained with visuals reflected on the walls depicting the country’s old way of life and its transition to the modern world.

Then we were ushered to the high-speed elevator. As there were certain maximum number of persons allowed only, it resulted to a queue – but don’t worry you will not wait that long.

No question, the elevator was really travelling in high speed. We timed our travel from the observation deck (124th floor) to the first or second floor (not so sure about this) and it took us only approximately 1 minute.

The highlight of the tour was the observation deck wherein you could enjoy the aerial view of Dubai. It has glass wall panels and wooden floor. Honestly, I could not stay long standing close to the glass walls as I was terrified with the height. The observation deck was like a round plate attached to the main structure of the building.

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(the observation deck and the view from the 124th floor)

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After taking few pictures for souvenirs, I decided to go back and stay in the main building. Though you could still enjoy the view, it was not great as in the observation deck.

The cost of the tour is AED 100 (USD 27) per person if you purchase in advance. You can easily buy it online. On the day of the tour, don’t forget to bring the receipt print out and the credit card used to purchase.

Ticket for immediate entry will cost AED 400 (USD 109) per person.

The tour took us almost one hour. It actually depends on you because you can stay as long as you want in the observation deck.

There were souvenirs for sale too. We had our family picture taken with the aerial background of the city. It looked like my hubby was falling off from the cladding. Well of course, he didn’t take that risk! It was just a byproduct of Photoshop (lol!). The price tag of that souvenir was AED 300 which includes the softcopy and additional background photos.

We really enjoyed the tour specially my Mum and sister who were just visiting UAE. It was worth the experience and thrill.

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Quality Time with Family

I have really been very busy lately because my family along with my son is here in Abu Dhabi for 2 months vacation. Weekends are oftentimes spent out of town trips exploring the tourist spots in UAE,

They have been here for the last two weeks. Sadly, the weather is not really very pleasant since they arrived though I explained it to them that actually the weather lately is already far better than few months ago.

Anyway, I am just keeping touch and will be writing more soon.

Half Way Through 2012…

This post is inspired by “A Gracious Life” wherein she recounted her experiences, occurrences, accomplishments and moments since beginning of the year. I see it also as an opportunity to be thankful for the blessings for the last 6 months and to assess how close we are to our goals for 2012.

So, here’s my share of tales.. lol!

Successfully left the job I abhorred. It took me years to heap enough courage to leave the job that I detested for years. I am really grateful of my new job and employer. It is a far cry from my previous job in terms of work environment, work (and stress) load, lifestyle and time.

Jobs and titles do not define me nowadays but it is the quality of life that I live and the time I spent with my love ones.

I am just really glad to be out from a toxic work atmosphere.

Downsize, Declutter. Last April we shifted from a two bedroom apartment to a studio room. It took us a lot of time to downsize while decluttering is still work in progress. You will never realize the amount of things you accumulate throughout the year until you start packing you stuff.

Rekindle my hobby. It was more than one year that I ditched writing because I had no time and energy left after working for 12-14 hours. Now, I resume to accepting writing projects again.

Hubby got to see our son, ZJ, for the first time in late January. ZJ was 4 months old that time.

Safe and Healthy, that’s what matters most. I could not ask for more because all of us including our families back home have been safe and in good shape.

ZJ’s escapades. He was barely six months old when he had his first airplane trip to Cebu then few weeks later he was off to Bacolod to meet his grandparents and a side trip to Iloilo on their way back home.

Lastly I am always grateful for the gift of time as a result of leaving my previous job because now I have the time and energy to pursue the things I enjoy doing.

Family Healthcare in the Philippines

I have been scouring Mr. Google since yesterday looking for healthcare insurances in thePhilippines. Somehow after emailing and receiving quotations, I got an idea of the average annual cost for family package healthcare.

Honestly the premiums are slightly expensive and it is on short term basis. It means the healthcare plans are renewable every year. If you didn’t use it within its validity period, then the amount will be forfeited. You have to renew it again to avail its benefits.

Why bother about healthcare?

When I delivered my baby last year, I had a grasp of the expensive medical cost back home. If you walk around the hospital especially near the billing or cashier sections, you will be confronted with many worried facial expressions. You will hear relatives discussing about the bill and where they will get the resources.

Sometimes you will see parents almost in the verge of tears because they cannot get the prescribed medicine for their kids. They don’t have the funds anymore to sustain those expensive but required medications.

It breaks my heart. Hopefully it will not happen to my family but just the thought of being in that similar situation scares me.

That is the reason that I am keen on healthcare insurance. Yes, it is expensive but the actual cost of hospitalizations and other medical related fees are even more expensive if illness strikes, right?

Well, I think that’s why the insurances exist to give us peace of mind but of course, it comes with a certain cost and oftentimes the cost of security is pricey.

If you have any recommended healthcare insurance, please let me know.

Why Should I Prepare my Last Will & Testament?

My brother and I are on a mission to prepare our respective last will and testament once we have the opportunity to go home in the Philippines this year. It is one of our priorities.

Few years back, the idea of last will and testament is really farfetched. In our culture such thing is only for the affluent society but when I started attending financial literacy this year I learned its importance especially for individuals who have dependents.

Honestly, I do not have many assets but recently I started investing small amounts in mutual funds and stocks. Really, the amount I am investing is very minimal because of my current financial obligations. I am still trying various means to increase my cash flow to be able to invest more.

Anyway, I learned that in investment there are no beneficiaries unlike with insurances. Of course, I do not want my hard earned money (even it is minimal) to go to the government if ever I will die. Although it can be returned to your family, it will be subject first to court proceedings which for sure will take time.

My long term goal is to invest for my child’s college education and for our (hubby & I) retirement. If ever something happens to me, that goal should serve its purpose. Therefore, I have to ensure that it is written in black and white for security purpose.

Have you experienced preparing last will and testament? Has it been useful to you and your family? Feel free to share about it..

Freedom to Fire Your Boss (When?)

I was reading a newsletter “The Hidden Cost of Having a Job” yesterday from one of the financial blogs that I subscribe.  It was not only insightful but thought-provoking too. I ended up sulking and asking myself. 

When will I have the freedom to fire my boss?
When will I be financial independent so I can go home for good and spend quality time with my little son and aging Mum?
When will I stop living at the mercy of my employer?

Yesterday my Mum, who was taking care of my six-month old son back home, was sharing how eager my son was with his first consumption of solid food. It was only one of the milestones that I am missing as my son is growing and learning all the “firsts” in his life.

All I could do was envisaged the words (every word) that my Mum shared about his first solid meal. I attentively listen to every word that comes out from my Mum or Sister as they account my son’s progress. I imagined the way he tasted his first soup. I had a sleepless night thinking how my son’s first airplane trip was.

It is sad and sometimes unknowingly depression creeps in.

Oftentimes to pacify emotional and psychological torture I am going through because of being away from my little boy, I try to look at the situation on a brighter side.

I am drawing strength and anchoring my motivation from my not-so-favorable-situation to get out from the corporate world and to thrive as entrepreneur/investor. Honestly, I don’t dream a fancy car and house, a functional house with high speed internet will do. A car in good condition will be a bonus.

The answer to all of my questions above boils down to one thing – financial security – and I know that it is only a matter of time that I will be financial independent. It may sound too optimistic but it helps me to get going.

Experiment: The 30 Days Challenge

Resolutions really do not work for me because I always fail. I read somewhere that one of the reasons to blame for not achieving any rate of success is the lack of motivation or purpose.

When your life is threatened to end because of an illness, you will definitely do anything that the doctor says in order to prolong your life. If the doctor advises you to change your diet (i.e. no more salty and high calorie foods), then you will definitely change your eating habits overnight, right?

You have a strong motivation which is to live longer. That your drive to change your habit instantly.

As for my case, I am caving in to Bo Sanchez’s 30-Days Challenge. I want to start a raw food diet. Well, I have tried it before for two weeks and I really felt good but it didn’t sustain longer. I have a list of excuses to back it up. LOL!

Anyway, I will start the 30 days challenge to gear me up and hopefully to adapt a healthier way of life for good.

My motivation? I know from the bottom of my heart that I am living an unhealthy lifestyle. That’s a given fact – no exercise, high consumption of fast foods, high level of stress from work, more processed foods in my daily diet and so on. Now that I have a son, I want to take care of my health hoping to live longer to see him growing up.

I just gave birth late last year and I am already in my early thirties. When I do my calculation, I will be in my fifties when he starts his college degree. So that’s my main motivation and hopefully strong enough to help me cling on my resolution.

Thoughts About Retirement and Investments

I never had a serious thought about retirement until I spent three months maternity leave back home. My Mum just retired last year from her teaching job for more than 30 years. Though a bit fearful of the fact that she is no longer receiving monthly salary, the thought of her monthly pension somehow pacifies her but she will not receive it until five years from now.

It made me think.. really..  My Mum is lucky that she has a secured pension from her teaching job. What about me? If I will decide to go home to the Philippines, I will be jobless because I am considered already over age for any available jobs back home.

Therefore, I will rely only on my savings and hopefully investments to support me and my family. It is quite a scary thought, right? Savings I think no matter how big the amount  will eventually diminish in the long run if you do not have any other source of income.

Investments on the other hand can be risky especially if you opt for business. The return of investment is not 101% guaranteed.

Because of this realization, I started to explore the opportunities of securing our retirement and establishing potential source of income once my hubby and I decided to go home for good in the Philippines. I am quite cautious in any form of investments because it is our hard earned money. At the same time, I want to have saving options with higher yield.

So far, I am paying faithfully my Social Security System (SSS) monthly contributions. I really do not know how much to expect from it but it is better than nothing, right?

Also, my brother and I found very helpful information in Bo. Sachez’s The Truly Rich Club. We have been members for sometime now and it is really enlightening. We are not that financially literate but with the guidance and help of Bo. Sanchez, we started to invest in stock market. If you are a beginner in investments, then this is a good way to start actually.  If you want to know more about the Truly Rich Club, click it here.

You will get also a copy of his ebook called “My Maid Invests In The Stock Market… And Why You Should Too”.

New Breed of “OFW” Motherhood

My Son "ZJ"

 
After giving birth to my son “ZJ”, my life has never been the same again.  If weekends before were spent in the malls or out of town escapades, now it is spent on Skype because it is the only time I can bond “online” with my son.  

For those of you who are not familiar with the setting of Filipino families, let me give you a glimpse of it.  A big chunk of our population is working overseas. You can find an OFW (Overseas Filipino Worker) soul across the globe working as a nurse, waitress, housemaids, engineers, service crews and so on.

Oftentimes we trade our professions with the opportunity to work abroad hoping that we can give our family back home a better standard of living. It is not only our professions that we sacrifice but as well the reality of leaving your family for extended period of time.

There are OFWs who left their professions as doctors of medicine and instead worked as a nurse or nurse aid abroad because the pay is better. We have also OFWs who are teachers by profession and they leave this job to be housemaids abroad. Again, for the same reason  - the pay is better.

As for my case, I have been an OFW as early as 22 years old. I was single then and my motivation to leave my family was to explore the world and to earn more in order to help them.

Now that I am parent, my hubby and I have even deeper desire to give our son a better standard of living. We do not want him to experience the hardships that we went through while growing up.

And we know, this is not possible if we will work back home. So for the time being, we left our little boy at the good hands of my Mum and sister back home but we are working to take them very soon here in Abu Dhabi.

Until it happens, I am monitoring my son’s progress through Skype. Seeing him online eases my longing and the thought that he is better off back home makes our sacrifices worth it.

I miss you Z….

New Year.. New Decision..

I could not trace back on what prompted me but I made a firm decision on the first day of 2012.

“Now is the time to live the life I always wanted to and to take bold decisions to make it happen.”

For the last three years most of the decisions I made in my life were anchored on fear and inhibitions prioritizing security first while compromising my happiness. It is not always the best scenario and oftentimes I linger on sadness and endless grumbling. Sad, but that’s what I was going through.

This year I want live with Steve Jacobs’ words, “Your work is going to fill a large part of your life. And the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you have not found it yet, keep looking. As all matters of the heart, you’ll know when you find it”.

So now, no more whining about work… It is time to address the issues and hopefully I will find something that will make my work life more meaningful.