health is wealthThe saying ‘health is wealth’ is common to us. A good health is a treasure by itself especially nowadays with the emergence of new diseases and the rising medical costs.

It is also known to us that when we’re young, we usually sacrifice our health to earn wealth. However, as we age and grow old, it’s the other way around. We usually sacrifice our wealth in order to regain back our health. Read More →

There are two special dads in my life.

My dad who I often call, daddy ole boy and my husband, the dad of my three children.

There is this quote about questions we ask our dads in various stages of our life. I only had my dad till I was 45 years old.

4 years: My Daddy can do anything!
7 years: My Dad knows a lot…a whole lot.
8 years: My father does not know quite everything.
12 years: Oh well, naturally Father does not know that either.
14 years: Oh, Father? He is hopelessly old-fashioned.
21 years: Oh, that man-he is out of date!
25 years: He knows a little bit about it, but not much.
30 years: I must find out what Dad thinks about it.
35 years: Before we decide, we will get Dad’s idea first.
50 years: What would Dad have thought about that?
60 years: My Dad knew literally everything!
65 years: I wish I could talk it over with Dad once more.

It’s true. I often wonder what my dad would have thought of my work today. He never knew me as a blogger because he passed away in 2003 just three years before I started blogging. Much of who I am today is because of dad . Even the way I smile is from his “wide-smile genes”.

Daddy didn’t tell me how to live life. He lived and let me watch him do it. He tried to be a mother to us when mom died during my teens. I adored my dad so much that I thought husbands were made like my dad. I was so wrong. A lot of my early marital problems was because I compared my husband to dad. Hehe, I think my husband also compared me to his sweet mom. Eventually, I learned to treat these two dads as separate individuals.

In honor of my dad, I started signing as Noemi Lardizabal-Dado in 2006. I feel the presence of my dad in the wide smiles of my two lovely girls and in my work. I can just imagine my dad smiling at me as I do service to others.

There is the dad of my three beautiful children who sometimes acts more like a mother at times. How he nurtures them especially when they are sick and spoils them by driving the girls around. I wonder what my girls think of their dad. Do they think he is too old-fashioned? or just being a dad? I hope they know he is just being a dad.

These days, it is an empty nest but the father of my three children took time to bet with my two girls here in Singapore. Being together no matter how short the stay , is enough to make us happy.

Today is that special day to honor the two special dads in my life and to all the active committed fathers who make a lasting difference in the life of a child.

father's day

quiet.jpgA few years ago, I was tagged to write a “Disclosure meme” on five secrets about me that you probably don’t know. I might have blogged about some of these secrets in past entries but let me just list them down.

1. Annoyance over habitual latecomers– I am such a stickler for time that it annoys me off when people arrive ONE HOUR late without any notice. It’s common decency to advise the other party or whoever is waiting for you on your estimated time of arrival. I’m fine if you’re late as long as I know beforehand so I can do something with my time.

2. Fear of dentist– I’ve had this fear ever since I had profuse bleeding when my molar was pulled out.

3. Handy woman– I can climb on the roof of my house (then a bungalow) and repair roof leaks. I can also fix leaking pipes and electric wiring. But….I probably made my husband feel inferior when I did all that during our first year of marriage. Since I broke my ankle 11 years ago, I have not attempted to climb roofs. I still do handy woman jobs.


4. Lazy cook– I only cook on special occasions or birthdays. During the first ten years of my married life, I trained all the maids to cook , even the yaya (caregiver). I trained them to read recipes as well. After a few years, they turned out to be better cooks than I am so I let them do the cooking now.  I posted my recipes at . One or two loved baking so I also taught them to bake. These days, I write the recipe, give instructions and then taste their cooking if it’s alright. Haha, lazy.

driving a car

5. Fear of driving in high places– Driving near the Tagaytay ridge or towards Baguio City makes me throw up. High places just nauseates me. I once drove to Tagaytay but my eyes focused straight ahead not looking once at the deep ridge.

So now you know. What about you?

It’s that stage in my life where I am an empty nester. My two girls are now financially independent and not living in the family home anymore. It is that stage in my life when I am preparing for my golden years…not retirement because  I will never retire. Life is so much fun being a blogger. These days, one can still continue work and yet enjoy life at the same time using online opportunities.  My goals are income, wealth and protection.

Image via . Some rights reserved.

Image via . Some rights reserved.

Who doesn’t want money for life? I know I do. It does not mean I want to covet luxurious items. When I say wealth, I want money for life to take care of my basic needs: food, shelter , (still paying for my house loan), utilities, health needs and clothing .

Image via . Some rights reserved.

Image via . Some rights reserved.

My retirement plan revolves around sudden illness. Health is wealth but I need to prepare for accidents, complications, if ever, on my diabetes.  The best care is preventive health care. I do that now by walking daily (at least 10,000) steps and removing beef, pork, and chicken from my diet.


Image via . Some rights reserved.

Image via . Some rights reserved.

I cannot imagine my children supporting me in my old age especially if they have families already which is one reason that I stopped giving them financial support once they started work so I could rebuild my savings. My kids often say that they will help us in our old age but I don’t want them to think that is our plan. If they want to give us gifts, well and good. It is not an imposition but more out of love.

Image via . Some rights reserved.

Image via . Some rights reserved.

What do I want my legacy to be?

Leaving a legacy means different things to different people. But what is leaving a financial legacy?  Each of us today, has a financial future.  My next goal is now leaving a legacy but not necessarily for my children…Yes, I do want to preserve my estate but most importantly, I want to have enough money to tide us over during our golden years of over 50 and above.

The  Money for life eplanner at is a good start , which guides me on achieving this legacy.

Image via . Some rights reserved.

Image via . Some rights reserved.

My desired goal is staying protected from sickness and accidents.

Image via . Some rights reserved.

Image via . Some rights reserved.

The next step is identifying my needs and the amount of my goal.

Image via . Some rights reserved.

Image via . Some rights reserved.

I have options to explore that I can now talk to my Sunlife advisor, Kendrick Chua. He has been my advisor since 2011.

Image via . Some rights reserved.

Image via . Some rights reserved.

I will update you soon on how I have been achieving my “money for life” goals.

You can get a headstart by joining the Bus to the Future

To help inspire the public to create their own Money for Life plan with a financial advisor, Sun Life created a 360-degree visual reality (VR) video, transporting them to different scenarios based on their chosen life stage. This will enable the viewer to live the dream for a minute and be encouraged to start planning for their future through Money for Life and Sun Life’s life insurance and investment products. 

Bus to the Future_web

Viewable with a VR headset, the video can be experienced in a customized bus called “Bus to the Future,” which will be making its way to different malls and campuses nationwide. Among the stops are:

Bonifacio Global City High Street June 11
Eastwood June 19
SM City Cebu June 25
Solenad, Nuvali July 2


MAPUA Institute of Technology June 2
Ateneo Graduate School of Business June 12
De La Salle University June 16
University of the Philippines Diliman June 16
San Sebastian College June 20
University of San Carlos Cebu June 24
Lyceum of the Philippines University Manila June 29
University of the Philippines Los Banos June 30

In all these stops, Sun Life financial advisors will also be on hand to accommodate inquiries.



Cebuana Lhuillier launches “National Pilipino Protektado Day” to give away free microinsurance to one million Filipinos

My family survived Ondoy and I am grateful that only our possessions and cars were damaged. But others were not so lucky.  Lives were lost. Others who survived did not have insurance or extra income to slowly rebuild their lives.  Disasters wreck havoc in our lives and in different communities , resulting to loss  of life and livelihood.  Cebuana Lhuillier is pushing for financial inclusion by making microinsurance part of the disaster preparation for Filipinos. More than the usual emergency kits, obtaining microinsurance is another practical way to be prepared.

cebuana lhuillier

During the unveiling of the “National Pilipino Protektado Day”, Cebuana Lhuillier in partnership with Pioneer Insurance announced that it will be giving away free microinsurance to one million Filipinos within the days  leading up to July 21 (the date of the National Protektado Day).  The first batch of microinsurance covers will be given  to the constituents of the Department of Social Welfare and Development,  the Philippine Red Cross, Oxfam International, Global Peace Foundation, Girl Scouts of the Philippines and Boy Scouts of the Philippines.

Cebuana lhuillier 1

Aside from its campaign to insure one million Filipinos, Cebuana Lhuillier announced the launch of other initiattives like the Cebuana Alerto , an android app  (coming soon)  that harnesses the digital platform to provide vital information in disaster preparedeness, Our Help, a website dedicated to donating microinsurance, and the institutionalization of Microinsurance Agents Association of the Philippines Inc, (MIAPPI), an organization founded to promote the interest and welfare of microinsurance agents.

personal microinsurance

I like the “National Protetakdo Day” as it raises awareness on microinsurance especially for the low-income sector.  Disasters will always hound us every year. Considering the severity and frequency of disasters, one must emphasize disaster preparedness through microinsurance. I just hope one day, there will be more than one million Filipinos that will be covered by insurance.