Investing with Farmon.ph

What is Farmon.ph and how does it works?

Farmon.ph is a crowdfunding community wherein investors and local farmers partners together in farming. It’s a win-win situation since you as investors has the opportunity to help local farmers with their livelihood plus you will enjoy the benefit of having a percentage of the earnings from the crops harvested. It’s like you help and earn as well.

As of now, they have 6 farms in Isabela and Quirino with many crops and live stocks to choose from. But take note that not all crops were available every farming cycle. A certain crop or livestock that is available on the previous cycle may be not available for the next cycle. You might also check available crops per farm, since they offer difference crops per area.

Take a look of screenshot from their 2 farms.

one of their farm at Isabela

other farm also at Isabela

Also, you don’t have to worry about your investment since investors are protected by a crowdfunding shield. This shield protects any unforeseen event such as typhoon, flood or other calamities that will affect our crops. Farmon will replace the seeds and will replant them with no extra charge.

 Farmon.ph and Me being a Farmoner (investor)

I learned Farmon thru a Facebook page. I got curious with the post and positive comments regarding virtual farming. I liked and followed the page since then. I opened the official website of Farmon (https://www.farmon.ph/).

From there, I learned more of their advocacies in helping our local famers and promote agriculture in our country. I admired their project that I became eager to be part of their mission helping our fellow farmers.

I registered and created my account. However you can only register if the cycle is open, so must wait and checked from time to time if the next cycle is open. That’s where the Facebook page helps, because from there, you can see any updates and news if a new cycle is open. Oh and one more thing, there’s a new rule (started from 12^th cycle) that you need a referral from existing registered farmoners before you can register and invest here.

I joined Farmon.ph since their 11^th cycle (July 2016) and since then, I re-invest every cycle after that.  Take a look below of my profits percentage per cycle. It’s good to see how my money earns more compared to a conventional saving account.

I also tried to withdraw my profit to check if my request will be transacted easily. Good to know that it’s not that hard, you must follow their cut-off schedule which is every 20^th of the month if I am not mistaken. If you made a request before the 20^th, your request will be processed and expect your money next month or three weeks.

I also joined their community forum. So while we wait for the new cycle to open, you can browse the forum and read various topics. It’s a very informative forum, where all general questions regarding how farmon works, how to register and invest in a cycle, how to withdraw, see the profits from the previous cycles and other scenario which can possible be happen to you can be read here.

Right now, I have pending crops to be harvested from my 13^th & 14^th cycle. Likewise, I’m waiting for the next cycle and hopefully I can invest more.

Kudos and more power to Farmon.ph!

Disclaimer: This is my personal review. I am not paid by Farmon.ph and not working for them. I’m just a registered Farmoner who’s happy with my investments here. So I’m sharing this and hopefully others might be interested.  

Getting my Pag-Ibig Loyalty Card

First thing to know is that the new Pag-Ibig Fund Office in Batangas is located at the 2^nd floor ATDRMAM Building, Kumintang Ibaba. They transferred last November 2016 from their old office in Caedo Calicanto Batangas. (Parking is 

Second – Better to be there late in the afternoon and surely it is not jam-packed as most people tends to do their business in the morning.

Lastly, you should have your Pag-ibig Fund Membership ID Number.

Sharing my experience – I arrived around 3 o’clock in the afternoon. Because of few people, the security guard noticed me immediately and greeted me. He asked what will be my transaction. I showed him my already filled up form for Pag-Ibig Loyalty card (which I downloaded online). He gave me a queue number and showed me Counter 1 which I will be transacting.

**Here the link where I downloaded Application form for Pag-Ibig Loyalty card

http://www.pagibigfund.gov.ph/DLForms/provident/Loyalty%20Card%20Application%20Form%20(HQP-PFF-108,%20V02).pdf

While waiting for my number to be called, I’m sitting on a red, soft sofa (which you can tell that it is new). The queue numbers is visibly displayed from large monitors scattered in the office so you can easily see if your numbers is being called from any direction/ viewpoint. The office is also well-conditioned enough making me comfortable while waiting.

More than 30 minutes or so, my number was called. The staff at counter 1 verified my account and my application form. He then gave me payment slip for the loyalty card fee which is Php100.00.  

I approached again the security guard to get a queue number for the cashier counter. I didn’t wait that long since my number is next in line. I settled the payment and received my receipt. The cashier then told me to go to counter beside them where the picture taking and finger printing will take place.

I listed my name on the logbook and again I waited for some time. This is the longest waiting in line among the transaction I made. From time to time, their system needs to be reset and it will take time (15 minutes maybe) before it can continue. And also there is only one staff for this operation. An hour or so, it’s my turn. The staff verify again my information and let me checked the data she inputs in the computer. After I confirm the details, picture taking and finger printed was done. Final procedure is the computerized signature.

Before I leave, the staff told me that it will take 2-3 months before I can claim my card.

** If  you want to know the benefits of this Loyalty card, you can check it out at Pag-ibig website - http://www.pagibigfund.gov.ph/loyaltycard2/LoyaltyCard.html

Starting my Masteral Journey – PUP Open University

My twin sister is a graduate of Master of Management Technology in De la Salle. Ever since she graduated, she always pushing me to get also a master degree. She said that it will help me in my professional career and also it will gain me new friends. But as much as I want to pursue one, I don’t want to sacrifice my work obligations and my time with my son.

I have Monday to Friday with alternate Saturdays work in a construction company. Weekends is for my son – family time. Every night is skype time with my husband who’s working abroad. So tell me, where to squeeze the masteral?

I’m so grateful I didn’t stop browsing online possible school or short courses I can take. I happened to open Polytechnic University of the Philippines (PUP) Open University website. From there, I learned that they offer educational services with alternative approach to cater the needs of working individuals like me who needs to juggle work and study at the same time. I am surprised that this Open University existed long time ago since 1990.

Here’s the link of PUP Open University for more details - https://www.pup.edu.ph/ous/

And there I found Master of Science in Construction Management. A tailor-made course just right for me! I immediately inquire thru email confirming the class schedule which is very important for me.  It took 10 days before I got a positive response from them. Not bad at all. I thought they will not reply on my email. They confirmed that there will be only once a month class meeting and the rest will be online sessions.

So I decided to take a chance to take their entrance exam last May 26 and luckily the result says I am qualified for the graduate course. Now, I am completing the requirements needed for enrollment. =)

Trying Herbalife Shake to lose weight

I heard somewhere – if you want to lose weight, work hard for it. But in my own disposition, don’t force yourself. Enjoy the journey. Love yourself first then lose weight as much as you can.

I’ve heard Herbalife before a few years ago but I got encourage to try it because my friends in Singapore is using it for some time and they actually got noticeably slimmer. I envy them that’s why I decided to try also Herbalife. If it is effective to my friends, then maybe it is also effective to me. =)

The first thing I did was to find where can I buy Herbalife here in Batangas City? I searched thru facebook, Instagram and google where can I conveniently get Herbalife. Yes, I found some individual distributors and so-called wellness coach near me but I have a little hesitation. I don’t want someone to pressuring me or try to be so involved in my plan. I just want to try Herbalife first and see if it will work for me.

Finally, I decided to buy thru Lazada. In this case, there’s no one who will monitor my progress or persist me to stick on my diet which I hate. Hahahaha… Even though I want to lose weight, I don’t want to deprive myself to enjoy food. I found Lazada seller which offers good deal with Herbalife – no delivery fee, discounted rate of Herbalife products and expected delivery date is 2-3 days only.

I bought: 2 box of Herbalife Shake - Vanilla & Dutch Choco (22 sachets / box). I ordered it last June 2-Friday morning and I received it by June 4- Sunday morning. Very fast right? =)

I ordered 2 different flavors so I can alternately take them and will not get tired of the taste. I learned that I need to replace my meal 2 times with the Herbalife Shake in order for me to lose weight. (I asked about it thru a customer online support in one of Herbalife popular websites and also I read it somewhere online)

After I get my package, I decided to buy a personal blender (like shake and go) with 2 free tumbler. I also bought Non-Fat Nestle Milk. (I will mix this with the Herbalife Shake as directed).

Here’s a pic of my Shake. It’s a mix of 250mL of Milk, some ice and 1 Herbalife Sachet. 

On the first day, I didn’t like the taste as what I expected it to be (I mixed only milk and the Herbalife – no ice). But it is tolerable to drink it all. And then the next shake, I decided to add some ice and remarkably it helps make the taste get better.

It is my third day today of having Herbalife as of writing. I only took 1 shake on my first day so my body will not be shocked with my new diet. Then I took 2 shakes (breakfast & dinner) from second day and hopefully until I finished all shakes I bought.

By the way, I replaced my meal with the shakes. But other than that, I eat pretty normal. I have merienda around 10am and 3pm. My lunch is rice with dessert (chocolates! I love chocolates!)

I will update you guys if I have significantly lose weight or not. #crossedfinger And if you also take herbalife shakes, feel free to let me know your results and reviews.