Financial Empowerment with Lenddo

On October of 2010, during my first-ever stint as a speaker (naks!), I spoke about the need of businesses to be visible in social media.  Social Media is a wide landscape.  It includes blogs, microblogs, social networking sites, games, etc., etc., etc.  Let’s face it.  Social media now takes up a huge chunk of our daily lives.

As if the number of hours we spend on the internet is not enough, now enters Lenddo on the social media arena — the world’s first credit scoring platform that combines community-based microfinance techniques with social media profile data.

What is Lenddo?
Lenddo is an online website where users can engage their social networks to get access to low-interest loans and financial tips. Its mission is “to help members invest in themselves and their community.”

Lenddo funds loans for life-improvement purposes, including business,healthcare,education,professional training, and home repair.

How can you apply for a loan?
Applying for a loan is easy.

  1. Join and build trust connection. Fill out all your information; link your social networks; and invite your family, friends, and co-workers.
  2.  Enter all your information. Fill out employment and financial information.
  3. Click on the Loans tab on your dashboard.
  4. Fill up the loan form. 

Here’s a presentation to give you a better understanding:


View more presentations from Lenddo

How long does it take to process a loan?

Lendo’s commitment to its member is to process loan application within one (1) business day as long as the information provided is complete and correct.  Funds will then be deposited into a specified bank account which should be under the member’s name.

How much does Lenddo loan?
Lenddo currently funds loans up to a minimum of 5,000 Php and a maximum of 43,000 Php.
How much does it cost? And what are the payback periods?
Interest rates are dependent on your Lenddo score, and local rates and terms range from 3 months to a year.

What fascinates me about this service is its quick processing.  More often than not, loans are needed for emergencies, and we simply cannot afford the time it usually takes for bank loans to be processed.  With Lenddo, it takes 10 minutes to apply, and 1 business day to ease your financial worries.  And hey, everything happens online, thus reducing the carbon footprint.

I may not be a huge fan of loans, but just in case one day I need it, it’s good to know there’s Lenddo. 🙂

For more details about Lenddo and its services, click HERE.


Thank you!

A few days to go, and the biggest
convergence of Mindanao-based bloggers is here! Yes! Mindanao Bloggers Summit,
hosted by Iligan Bloggers Society, Inc., is happening on October 29! Yes, I
MEAN THIS SATURDAY! And yes, we’re uber excited!!! (I guess it’s pretty clear
with all the all caps and exclamation points in this first paragraph.  =p)
As a baby society less than a year old, having been conceived February
of this year, more than happy, we at IBS, Inc. are glad and giddy and grateful
to have gained the support of many sponsors for this event.
One of our most generous sponsors is
Solid Hosting, a leading company offering web hosting and domain name
registration.  The company offers the
best and cheapest domain registration fee for as low as P500.00/year for .com, .net,
.org, .biz, .info, .name, and .us domain names.  Solid Hosting also offers high-quality, cost-friendly web hosting.
Their services range from a 1-gigabyte disk space for as low as P600.00/year up to a whopping 50 gigabyte for
Philippine platinum resellers.

For bloggers, web hosting and domain name registration are among the most important things to consider.  Solid Hosting‘s support for events such as Mindanao Bloggers Summit indicate that the company knows and understands the needs of bloggers.

Thank you Solid Hosting for the support! We’re excited to see happy bloggers receiving the surprises you have prepared for them. ^^

So if you’re joining to become a participant and haven’t registered yet, there’s no point in waiting. Register now

Mindanao Bloggers Summit 2011: Important Links

If you’re not yet registered, Register now

MBS5 is (almost) here!


I know I haven’t been updating this blog as much as I would want to. Well, aside from school stuff and some work, this has been keeping me crazy busy lately:

Yes, Iligan Bloggers Society, together with Iligan City Tourism Office, Iligan Computer Institute, and Chamber of Commerce and Industry Foundation of Iligan, Inc.,  is hosting this year’s biggest convergence of bloggers (and blogging enthusiasts) in Mindanao.  Mindanao Bloggers Summit 2011 banners the theme, “One Green Mindanao:  Mobilizing Bloggers to Promote Sustainable Lifestyle” to discuss issues on environment and to help formulate a better Mindanao through the promotion and the adaptation of a sustainable lifestyle.

The summit is co-presented by Globe Telecom, one of the largest telecommunication companies in the Philippines. When their sponsorship was finalized, I was beyond happy.  And when I learned that Globe has been generous enough to help Iligan Bloggers Society realize this event and extend their generosity to the participants as well by offering to shoulder the registration fees, I got all the more excited.  I just have to say that again:


Yes, yes, yes!  So if you’re joining to become a participant, register now! Or for those who are interested to sponsor, contact Iligan Bloggers Society and don’t miss out on this chance.

Mindanao Bloggers Summit 2011: Important Links

Schedule of Activities

Mindanao Bloggers Summit 2011
8am, Celadon Pensionne House

Fellowship Night
6pm, Calda Pizza, The Strip

Iligan City Tour

David DiMuzio Pre-Holloween Concert

Huling Hirit sa Tag-Init: The Cebu Blog Camp 2011 Experience

, ,

To officially end the summer break, I attended Cebu Blog Camp 2011 with fellow Iligan Bloggers, Xy-ZaMa’am Arlene, and Fleire (a Cebu-based Iligan blogger) last May 28.  It was my first blog camp ever (or my first event as a blogger (daw)) apart from a couple of meet-ups with Iligan-based bloggers to formally and officially start Iligan Bloggers Society.

Take 1: Ma’am Arlene, IBS Prexy Xy-Za, Me, Fleire, Dabby

Take 2 kay natabunan daw ang CBC2011 logo. 😉

In a prior post, I enumerated some reasons why I really, really, really wanted to attend the camp and braved typhoon Chedeng just to get to Cebu by boat! (Haha! OA lang! Wala po kaming naramdamang bagyo. ;))

So anyways, let’s move on and see if my expectations were actually met and the reasons for attending (IBLOG) were justified…

Pass number 84, wala kadaug sa raffle. :p

I — It’s free! 

Yes, it was really free. No fees and no required purchases whatsoever. I was thrilled enough when I learned that registration was free. What I didn’t know was there were even more freebies! For starters, early birds were given AirPhilExpress shirt and slippers. 

And it did not end there. There were more and more and more! Round trip tickets from airphilexpress, shirts and bags and ballers from Mozilla Firefox, shirts and badges from PicLyf, stickers from Google, and many many many more were given away in between presentations.

And of course, the passes also came with free lunch and snack.


B — Because the topics are all interesting, and the speakers are masters of their craft. 

I took notes like crazy — as if there would be a pop quiz after the camp. And I even took pictures of the slides of the last two speakers just in case I can’t keep up (obsessive-compulsive mode). Yikes!

So here are the topics discussed during the blog camp…

Photography 101 by Paul Gotiong. Sir Paul is an award-winning photographer. He discussed the basics of photography, including aperture, shutter speed, ISO; understanding the histogram; useful camera settings; composition; types of light; recommended gears; and posting photos online.  Needless to say, it was an information-packed talk. I learned a lot, but um, I must admit I seriously need hands-on training. 😀

Travel 101 by Estan Cabigas. Sir Estan is an award-winning travel blogger and photographer.  He talked about how to travel alone, and he shared 8 very important things travel bloggers must do: (1) have a curiosity for the world, (2) research and plan, (3) keep an open mind and talk to locals, (4) bring what is essential [camera, notebook, pen], (5) experience the place, (6) respect local customs and mores, (7) learn about the local culture and language, and (8) always be safe.

Google and Travel by Aileen Apolo-de Jesus. Ms. Aileen is the very pretty and perky Google Country Consultant for Philippines.  Her presentation was on improving traveling with services by Google. She also discussed some new cool tools from Google to “add oomph to your blog.”

Bloggers’ Etiquette 101 by Janette Toral. Ms. Janette is the founder of Digital Filipino and author of Blogging from Home.  Her topic was Bloggers’ Etiquette 101, and she’s super awesome! No wonder she’s one of the most sought-after speakers in the country. She certainly knows how to keep the audience engaged and also wanting more. You can check here presentation about bloggers’ etiquette when attending events here.

With Ms. Janette (actually, pwede na icrop sina Xy-Za and Fleire. Hehe…)

Food and Restaurant Review 101 by Chef Anthony Gomez.  This is one of the topics I was looking forward to.  I’m a foodie, so I was all ears during his talk.  Chef Anton worked as Head Chef in Ativo Italian resto and also in Marco Polo Cebu.  He was super passionate about food, and he taught us how to understand food in order to appreciate it.  According to him, food should be enjoyed with all the senses.  

Social Media Marketing 101 by Coy Caballes.  The last two presentations were related and were focused on promoting your brand (or blog).  Coy is a vlogger and he’s the Social Media Manager for Globe. His presentation was on social media diet, complete with appetizer (facts and statistics), drinks (the right mix of channels for your campaign), main course (content), and of course dessert (rewarding your community).  His presentation can be found here.
Social Media Marketing Success through Facebook by Ruben Licera.  While Coy discussed social media in general, Sir Ruben, who is a Certified Internet Marketing Expert focused on the king of social networking sites — Facebook!  He shared eight Facebook Success Secrets: (1) Set your goal; (2) Keyword Research; (3) Choose the right visibility for you; (4) Quality content; (5) Leave trails; (6) Go viral; (7) Heighten engagement; and (8) Monitor and evaluate.  I must admit, this talk was rushed as we were pressed for time. I can’t keep up taking down notes, so I just took photos of the slides. Hihihi! 

L — Love of learning new stuffs.  
In every experience, what counts most are the lessons learned, insights gained, and decisions on what to do with the newly acquired knowledge. Here are a few significant learnings and resolutions (

  1. Photography 101: I learned two things from Sir Paul:
    • Watermark your photos. Before Cebu Blog Camp, I never felt the need to put a watermark because I felt my pictures were not as good as they should be. (Kumbaga, pang professional photographers lang ang watermark. Haha!) But now, I intend to do a little extra effort in posting online.
    • Always reformat your memory card.  Deleting photos is not enough.
  2. Travel 101:  One thing that Sir Estan said that stuck was that ladies should not be afraid to travel and explore alone. (Ummm… Sige, next time na lang ang resolution.)
  3. Google and Travel:  Ms. Aileen made me realize that there are indeed multiple ways to add oomph to your blog. That means my blog is in need of serious revamp. I will find time for that, I promise. 🙂
  4. Bloggers’ Etiquette: When attending events, prepare a pitch. As Ms. Janette said, “you will meet media, fellow bloggers, host, and organizers at events. Best to have a short introduction about yourself and your blog. They usually ask: what do you do? Where are you connected? What is your blog about?”  True! This reminds me of the need to renovate this blog and focus on a specific niche.
  5. Food and Restaurant Review:   The next time I attempt to describe food, I would listen to the sound of the crunch as I bite into Balamban liempo and Cebu lechon. I would capture its aroma; feel its texture; enjoy the balance of sweet, sour, salty, and bitter taste; and just fully enjoy the experience. 😉
  6. Social Media Marketing:  I realized that there is no need to be overwhelmed with the number of social networking sites out there.  You just have to focus on a few that would cater to your needs.  
  7. Social Media Marketing Success through Facebook:  Facebook is truly a very useful tool to increasing traffic.  I’ll do this later, perhaps after the site renovation. Let me just focus on content. Baby steps. 🙂
O — Opportunity to meet new friends.  
Ah yes, I met wonderful people because of the camp.  I did not really mingle much after the event because I am really shy (true story!).  I only got to talk with our tablemates, Jam and Kristine.  (Note to self: Update blog roll).
Obvious na ang height difference sa duha ka Jam! Haha!

And then Fleire introduced Xy-Za and I to Ms. Janette, and we got to enjoy a sumptuous meal at Casa Verde, The Walk, IT Park afterwards.  Weeee!

at Casa Verde
G — Gimingaw ko sa Cebu! 
Non-Cebu-based bloggers were invited to a day tour the day after the blog camp.  I have to say, this trip certainly made me love Cebu even more. And so this part deserves a separate post. ^___^
So yes, my expectations were met and even exceeded! My utmost gratitude to Johnn Mendoza, the organizer, and the rest of the Cebu Blog Camp team for the invitation. The trip was super worth it, and I’m soooo looking forward for next year’s camp! 😉

I’m Celebrating World Bloggers’ Day!

See that brand new badge on the right sidebar? Yep! I’m indeed joining the celebration of World Bloggers’ Day! WBD is an annual event spearheaded by Cebu Bloggers Society, Inc. to recognize and celebrate the importance of bloggers in the modern society. The online celebration includes putting up a WBD badge on our blogs or on our Facebook accounts, publishing posts about WBD, and a lot more.
To join:
  1. Register your blogs for World Bloggers’ Day here.
  2. Grab the WBD badge.  I posted the WBD-Iligan badge below.
  3. Share the news to your fellow bloggers.


    Theme: The Roles of Bloggers
    <center><b>I’m Celebrating World Bloggers’ Day – ILIGAN </b> <br /> Theme: The Roles of Bloggers<br /> <a href=”” _mce_href=”” target=”_blank”><img src=”×300.png” _mce_src=”×300.png”></a><br /> <i>Initiated by <a href=”” _mce_href=””>Cebu Bloggers Society, Inc.</a></i></center>


    Investments and the Internet

    Recently, in our Financial Management class, we’ve been discussing about investments – how to invest, where to invest, and how to manage investments.  We also tackled about the importance of diversification of businesses, which is one great way of reducing the risk of losses. Diversification is simply investing in two or more industries which are negatively correlated1.  In simplest terms, it is putting your money in many baskets.
    One of the investments that I’ve been eyeing for the longest time is real estate. I have dreamt of building an apartment building or perhaps buy a condo unit or a house as an investment. I’d have them rented out and then there’s a steady flow of income. I had this idea since 2 or 3 years ago while working in Cebu.  I have experienced how hard it was to look for a place to live in. Thank God for internet, house hunting is now a whole lot easier and faster. I stumbled upon AyosDito, which literally translates to “It’s okay here.”  True to its name, the site was really a-okay -– super easy to navigate. Just type in “apartment for rent” in the search box, choose the location and there you go! Ha, look at that!
     Then I figured, if and when I have enough funds to finally buy a pad, a house or an apartment, I’d just post it in Nice noh? Ayos nga Dito sa! :DIn
    1Note:  For diversification to effectively reduce risk of losses, the businesses you put your money in should be negatively correlated, i.e., if one industry does well with a boost in economy, the other business should do well during a recession. To illustrate, investment in both the automotive industry and debt collection business is said to be a diversified business portfolio.

    A Story of a Dreamer

    “What are your dreams?”
    Being asked this question at the start of our Financial Management class really caught me aback. On my way to class, I was bracing myself for a “madugong labanan ng mga numero.”  I even ran (i.e., crammed) through whatever I have learned in Managerial Accounting from the previous semester. Yes, the question was rather unexpected, but then it was not exactly rocket science. Anybody in their mid-20s had probably had their lives somehow planned out.
    For starters, I have enrolled in the MBM program in June of 2009. Thus, it’s a given that I intend to graduate in a span of about three years. The real goal here though is not just to graduate. It’s to graduate with flying colors. To be more specific, that would be no grade below 1.75 and at least two 1.0’s. Haha! I guess I really am a big dreamer, ain’t I? And that’s only half of the short-term goal.
    The second part is the bridge that gets me to the long-term goal. Within the next few years (starting now, actually), I need to have a stable income from a job I love that it wouldn’t even feel like a “job.” It’s just like being paid for having fun. Exciting, challenging, and rewarding – that would have to be the ideal job for me, and it will have to keep me going until I reach the long-term goal, which is to have a steady flow of passive income. As Robert Kiyosaki puts it, in the very near future, I will let money work for me rather than me working for money. This is an essential point in the general blueprint of my life because although money is not particularly the ultimate goal, I would need a considerable amount of it to have a comfortable life and do what I love to do for the rest of my wonderful and blessed life.
    Money is undoubtedly important, but what matters much more than money is the relationship we have with our family and friends.  It’s more precious than anything else in the world. So when the time comes, I would be a hands-on mother to my kids and dedicated wife to my husband. We will have a happy life and enjoy God’s precious gifts and blessings. As much as I salute working moms, I would love to be always there for my family and friends, never too busy to miss a single important event in their lives.
    Then, to keep me occupied when the kids start going to school and explore the world and practice independence, I would spend the time to help out some charitable institutions. I’d do some volunteer work from time to time and sponsor parties to less fortunate kids and perhaps medical missions to their families. Their smiling faces would be more than enough food for the soul, and I always look forward to opportunities to pay forward whatever blessings I receive.
    The dreams I have written here are really vivid, right? But hey, someday, when I am where I am supposed to be, I’ll reread this write-up with a big smile on my face. Until then, let’s just enjoy the journey.
    Cheers to happy life ahead! J

    Integrated Marketing Communications


    Managing and coordinating the entire communications process calls for integrated marketing communications (IMC). By definition, IMC is a concept of marketing communications planning that recognizes the added value of a comprehensive plan. Such plan evaluates the strategic roles of a variety of communications disciplines and combines these disciplines to provide clarity, consistency, and maximum impact through the seamless integration of discrete messages. Considering that the mass market can be fragmented into a multitude of minimarkets, each requiring its own approach; there is a continuous proliferation of new types of media; and there is growing sophistication of consumers, there is clearly a need for marketers to utilize a wide range of communication tools to efficiently deliver messages to specific audiences. Marketers should combine personal and nonpersonal communication channels to achieve maximum impact (multiple-vehicle, multiple-stage campaigns). Therefore, it is clearly imperative for companies to move toward IMC, the absence of which results in uncoordinated communications and image diffusion. A comprehensive integrated marketing communications plan can produce stronger message consistency and help to build brand equity and create greater sales impact. It can also unify the company’s brand images and messages as they come through multiple company activities. It therefore improves the company’s ability to reach the right customers with the right messages at the right time in the right place.