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Member of the Month (May 2015): TulogSaPancitan

FutureGizmo · 17 · 13776

FutureGizmo

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Every month, the PMT Forum honors one outstanding member of the PMT community to be awarded as the "Member of the Month".

Our "Member of the Month" is chosen among members who are seen as consistently active, dependable, insightful, and friendly in the forum. He or she, therefore, may be considered as a genuine role model in our forum community. For us to know better our "Member of the Month," we request our awardee to answer a few questions. Other members of the forum may also post in this thread to ask our MotM questions.

Our May 2015 Member of the Month is
TulogSaPancitan! Congratulations! :yehey:



May 2015 Member of the Month: TulogSaPancitan


1. Hi TulogSaPancitan! How long have you been a PMT Forum member? Share to us how you discovered PinoyMoneyTalk.

- aug last year i become a member. i was searching for comments and actual user experience about avida condos and i followed several links. one link lead me to pmt. cool site btw.


2. Why did you choose the username "TulogSaPancitan"? 

- well, i was referred to that name (or equal to that) often by my teachers in hs. i was lazy and refuse to do school chores like cleaning, gardening, etc, and prefer to rest under the shades daydreaming or napping. the label of being lazy stuck until i graduated from hs. i graduated first in the class but yeah, i still wear that lazy badge.


3. What are your hobbies or special interests?

- since i finished my master course last year, dota takes much of my idle time. so i am open for new vices and debauchery (any suggestion?).

if not playing dota, i’m into reading science, philosophy and history. i’m also a fan of chris hitchens and sam harris and i read some of their published works.
 

4. Tell us something interesting that we don't know about you.

- i’m good at playing cards at age 14. i’m the youngest “sugarol” in our village and often win even against mainstay sugarols. there are some days that i don’t go to school dahil napuyat sa magdamag na pagsusugal. i dream about being a professional gambler. but somehow, i mellowed out and desire to be a doctor so i can decide who live and who will die (jk). but then i realized that we’re dirt poor, so i became an engineer instead. now i say to people their design is stupid (jk).

i play with stocks but it’s not just the same with gambling. sadly. :wall:


5. How is TulogSaPancitan in PMT different from TulogSaPancitan in real life?

- i think it’s same. brutally honest. we engineers are poor in social skills department, you have to give that.


6. How do you make money? Share to us your sources of income so we can be inspired as well.

- i’m still on active income doing engineering work. job pays relatively well enabling my small family to live comfortably. my wife has started working also last year from same company so we have enough for our needs and invest.

my wife is actually the one who taught and encouraged me to explore stock investment. we started stock investing in 2010, by investing 10k a month for the purpose of retirement. we increased to 20k when i got my present job. this is managed by my wife. i opened a separate stock account for myself last year and the gains is just decent. some gains some lose. means my wife picks better stock than me. haha. plus the bragging rights –ouch!

we try to minimize real estate investment since we are out of country. after we paid off the condo unit by this july we will divert the surplus cash to more paper assets.

a year ago we’re thinking of opening a business but realized that we suck at managing and don’t have business skills whatsoever. so opening a business is out. employee for life it is.


7. Can you tell us tips or suggestions that guide you in order to succeed financially?

- i am still on my way to financial success but i’m pretty sure my family will get there. i don’t have specific tips but i do certainly apply discipline in my spending:

1/ enjoy simple and cheap things. never splurge. a trip to the park with family is better than going to mall. got a sizeable bonus- i bought my favorite burger to reward myself.

2/ as an ofw, i don’t keep much cash in my atm. i send to ph account as soon paycheck comes in. i keep enough for day to day expenses.

3/ i suck at budgeting and im lazy tracking expenses, i use only credit card to purchase everything to simplify and track. i already have idea of how much is “normal” spending in a month so i try to reduce spending if it is likely to exceed.

4/  relatives can be expensive. try to minimize gifting and just treat them to dinner when you are vacationing. if i decide to gift, it should be only those on sale at amazon.

try also investing in yourself. a master degree will give ur career a boost and potential increase in pay and more importantly status. good thing about internet age is that you can get a degree while working. currently i am studying for an exam for international certification relating to my job that will definitely boost my career (and salary- hoping). never stop learning.

lastly, give back to society. i believe society can be better if those who have enough will share. we make it a habit to give to charities. but this year my wife and i have a modest plan to sponsor a scholar or two for college, coming from my high school. we are going to select this coming vacation and we’re excited about it. we believe education is the best way to improve lives.


8. What is your ultimate personal goal that you want to achieve?

- good thing about life is that  we can set goals as we go along. but for me there is no compromise for these.

- to raise my kids the best i can.
- to live a happy life.
- to be successful in what i do.
- to success financially.


9. If there is one thing you can change about the Philippines, what would it be and why?

- if i have my way, i would like our government to allocate fund to sponsor college scholarship for one student per family coming from poor background. imagine how much it would be better if one member of family finish college and get a decent job. as of the moment, poverty is being transferred across the generations and that is just sad.

true, it will not solve poverty immediately but it can start from there and may prevent poverty transfer across generations.


10.Your motto or guiding principle in life?

- happiness comes from knowing what you truly value. life is complicated and chaotic and these may bring misery to some. to be happy you have to go retrace those things that makes you happy.

money is an important ingredient to happiness.

beware of pickpockets.


Wait, there's more! Just for the heck of it...

a. Favorite movie?

- LOTR series.


b. Favorite song or music genres?

- rock and pop basically but not very choosy so whatever is playing in fm is good.
but mj songs tops my list.


c. Favorite actor/actress?

- adam sandler. seriously.


d. Favorite sports?

- dota. this is sport now right? no? so it’s basketball then.


e. Beach or Mountain?

- definitely beach. mountain climbing requires too much effort.


f.  Kapuso, Kapamilya or Kapatid?

- kapuso. gma news. i admire that this company does not discriminate. they even let speech impaired to be news anchor (excuse me po!). jk, i’m fan of him. news and comedy at the same time.


g. Mar Roxas or Jejomar Binay?

- wala na bang iba? mar for barangay captain and binay for barangay tanod.


h. Money or fame?

- definitely money. everyone can be famous now with you tube. just twerk and voila!


i. Marry intelligent but ugly person or marry stupid but beautiful person?

- i go for intelligent. with enough money anyone can be beautiful. even lola dionisia can.


j.  To love or be loved?

- to be loved. but machiavelli would disagree. it is better to be feared. hahaha


==========

Thanks and congrats again, TulogSaPancitan! :clap:

PMTers, congratulate our May 2015 Member of the Month (MOTM)! If you have questions for our MOTM, fire away!  :applause:


pulubing_palaboy

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Reply #1 on: May 01, 2015, 09:00 AM
just realized i can be first to congratulate you!

« Last Edit: May 01, 2015, 09:08 AM by pulubing_palaboy »


TulogSaPancitan

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Reply #2 on: May 01, 2015, 11:07 AM
^ thanks! :D


INDO

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Reply #3 on: May 01, 2015, 11:52 AM
congrats po  :applause: :applause:


Prospera

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Reply #4 on: May 04, 2015, 10:46 AM
Congrats, TulogSaPancitan! :-)



Jayumaster

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Reply #5 on: May 04, 2015, 01:09 PM
Congrats po.  :applause: :applause: :applause:

Good intentions on wishing for scholarships for the poor. However, dole-outs hardly make a difference. Why not give everyone free college education? As in all-expense paid plus allowance. With the current salaries of top officials of the government and GOCC's, Plus the billions in ghost projects, I'm sure we can afford it. Proper budget allocation is the key.

What we really need is to teach the next generation the "love of country." That's where we are lacking. Do we need WWIII just to learn that?

Pareho po pala tayo, parang spiderman lang- "Brilliant but Lazy."


TulogSaPancitan

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Reply #6 on: May 04, 2015, 01:56 PM
Congrats po.  :applause: :applause: :applause:

Good intentions on wishing for scholarships for the poor. However, dole-outs hardly make a difference. Why not give everyone free college education? As in all-expense paid plus allowance. With the current salaries of top officials of the government and GOCC's, Plus the billions in ghost projects, I'm sure we can afford it. Proper budget allocation is the key.

What we really need is to teach the next generation the "love of country." That's where we are lacking. Do we need WWIII just to learn that?

Pareho po pala tayo, parang spiderman lang- "Brilliant but Lazy."
.

domo arigato.
hahaha. cheers! but the lazy part is often gets highlighted.

agree. free college educ plus living allowance is a good way to go in alleviating poverty in the long term. ok, govt may not have the money for all, but i believe at least 1 per family is a good start and will give the poor a fighting chance.



TulogSaPancitan

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Reply #7 on: May 04, 2015, 02:19 PM
^^ thanks prospera, indo.
cheers!


bajoyjoy

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Reply #8 on: May 04, 2015, 04:39 PM

Congrats, TSP!

Quote
but this year my wife and i have a modest plan to sponsor a scholar or two for college, coming from my high school.

Great idea! Parang gusto ko din gawin. naisip ko ito gawin dati, but within my circle of relatives ko i-ooffer, kaso wala namang seryoso sa pag-aaral...

so as follow up question, would you extend financial help to a relative whom you know will just abuse your generosity, over a complete stranger? How do you reconcile this to the saying “charity begins at home”?


Zilch

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Reply #9 on: May 04, 2015, 05:49 PM
Congratz Sir, TulogSaPancitan


TulogSaPancitan

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Reply #10 on: May 04, 2015, 07:24 PM
Congrats, TSP!

Great idea! Parang gusto ko din gawin. naisip ko ito gawin dati, but within my circle of relatives ko i-ooffer, kaso wala namang seryoso sa pag-aaral...

so as follow up question, would you extend financial help to a relative whom you know will just abuse your generosity, over a complete stranger? How do you reconcile this to the saying “charity begins at home”?

thanks bajoyjoy!

to be frank about it, i don’t like to sponsor a relative as a scholar. my relatives are good on their own and i would prefer to help those are not really able to go to school. and yes, most likely it will just lead to abuse of generosity. that’s how things usually are. sad diba? in fairness to them, no one really approached me for financial help for schooling. maybe they are ok. i have a reputation of being kuripot din kc. hahaha. side of my wife are well to do middles class so no help necessary.
 
i prefer to help those walang wala tlaga. there are many brilliant students in the province na sa kadahilanan lang na mahirap ay hindi nagpatuloy sa kolehiyo.
college tuition in province is very cheap and a serious student can survive with 2k monthly allowance. say, 10k is for tuition (some schools have less) and another 3k for misc like uniforms and books. for a semester that will be just 23k or 46k in a school year. depending on the charity budget set aside by my wife next yr, it will 2 or 3 at most. only issue we haven’t iron out yet is the selection process. we plan to discuss this to a friend who teach in that school, maybe he can advise who genuinely needs assistance.


apingdaldal

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Reply #11 on: May 04, 2015, 07:42 PM
uy sir TSP pa Jabee ka naman! tamang tama meron ng Jollibee sa Dubai mall.

pinoy dota rules!  :rakenrol:


TulogSaPancitan

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Reply #12 on: May 04, 2015, 08:17 PM
uy sir TSP pa Jabee ka naman! tamang tama meron ng Jollibee sa Dubai mall.

pinoy dota rules!  :rakenrol:

oo nga daw. balita ko mag-open na. ayos! open na ba? may delivery to abu dhabi? hehehe.

sana mag open din sa abu dhabi.  :D
once in blue mooon lang kami nagawi sa dubai.




jeffie18

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Reply #13 on: May 04, 2015, 09:44 PM
congrats  :cool2:


bilagan2004

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Reply #14 on: May 04, 2015, 09:59 PM
Congrats TSP.


 


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