Lazy Investing Way


Tuesday, October 17, 2017

Making money in the world of cosplay

Tuesday, October 17, 2017 0
Way back in 2009-2010 (And that's my real hair!)
Making money by doing what you love is THE DREAM, but not many get the chance to live it. As I talked about side-hustles before, I’ll be talking about some opportunities to make money with Cosplaying.

About a decade ago, cosplay in the Philippines wasn’t very well-known so most people really didn’t understand it or pay attention to it until a few years ago, when comic conventions and cosplay blew up, and being a professional cosplayer became a thing!

For most people involved, cosplay is a hobby, but for some it can be more. As the scene grows in popularity, so too do commercial opportunities for those involved. Especially if you like dressing up as characters from video games. Especially today with the rise of e-games in the country.

What is Cosplay?

Cosplaying is paying tribute to your favorite character/design concept/idea by dressing up and acting out this character as accurately as possible.Some cosplayers are quite devoted to this idea that they take great lengths to produce the best cosplay of their chosen character.

Cosplaying can be easy or really complicated depending on how much detail you want to achieve. Some cosplayers hire or do everything by themselves from: Make-up, design, costume production, photography and the like!

Even I tried cosplaying a few years ago – as Hibari Kyoya of Katekyo Hitman Reborn! Because it was cheap and easy to do (Note: Google the name and you’ll understand)!

The Cosplay Career

While it might be a hobby for most, there are quite a number of cosplayers who have turned cosplay into careers. Cosplay costs time and money: Costume making, make-up, attending events; all of the process costs money, so if you really want to get into this world, then one must turn themselves into a BRAND.

Here are some ways you can make some money in the cosplay world:

* Maker – you can make money from making costumes and/or props-replica which you can sell to other cosplayers or even transition into the entertainment industry.

* Skilled Artist – like above, you can transition into the entertainment world through your skills in wig/hair-and make-up, body painting, prosthetics and the like.

* Sale of Products and Services – you can sell your costumes, calendar, photos, your own merchandise, designs, books, workshops (make-up, props, how-tos, ..etc..).

* Content Creator – Just like content creators, cosplayers can access a wider range of audience due to social media and can become influencers as well. With your brand, you can start a blog, Instagram, youtube, to showcase your photo/videography and gain patrons (Earnings through: Ad revenue, sponsorships, direct donations or subscriptions through Patreon to name a few).

* Model – some of the really famous cosplayers have become models or even product endorsers. You can start by event or appearance based, to sponsored cosplays or even transition into a celebrity.Locally, Alodia Gosiengfiao has since turned into a model and celebrity endorser after gaining attention for her cosplays.

You still think that cosplaying is just dressing up? There are many talents and skills involved to make a successful cosplay. The industry is growing and various opportunities are opening.

The list here is based on observation, research and some from my friends who do some of those stuff. Hopefully this gives a realistic perspective on the potentials and possibilities in doing cosplay!

The writer is an RFP® –Registered financial planner and helps people through CERTA, Inc.’s financial education programs, estate planning & investment advisory ( He’s also a Real Estate Broker, author of the award-winning personal blog–; Vice Chair –

Originally Published in Philstar - The Freeman Newspaper last October 17, 2017.

Here's a link of an old blogpost of mine referring to my cosplaying Hibari Kyoya!
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Monday, October 16, 2017

Get ready for CEBU CREATORS DAY: Content Creation for Millenials

Monday, October 16, 2017 0

On October 21, 2017, Cebu Content Creators (or C3) will be having a convention for existing and aspiring bloggers, video creators and social media influencers in Cebu.

Cebu Creators Day: Content Creation for Millennials is an event that will tackle various topics like blogging, vlogging, social media, advocacy building, and connecting with businesses. There's also going to be a sharing and discussion about content creation in various platforms like blogs and videos, to an audience of aspiring and amateur digital creators. Speakers will include award-winning Cebu bloggers, vloggers, and podcaster. Here's the list of speakers with the topics they will be discussing on that day.

  • CJ Estrada of Four-eyed Laagan, “Vlogging-On-The-Go: Creating Videos Using Your Smartphone
  • Jullian Sibi of Utterly Random Techie, “Realities of a Cebu Tech Blogger
  • Doyzkie Buenaviaje of, “Social Media Good: Blogging with a Cause
  • Issa Perez of Issaplease, “The Everyday Internet Millennial: Maximizing the Social Media for Creative Outlets
  • Rome Nicolas of GBG Cebu, “How Content Creators Can Help Businesses

Cebu Creators Day is absolutely free and if you want to join, go ahead and register at Read event details here:

You will also get a chance to meet other blogging and vlogging personalities on Cebu Creators Day!

Note: I am a pioneering member of the Cebu Content Creators. If you are interested to join the organization, visit today and fill out the membership form to register!

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Wednesday, October 11, 2017

Pros and cons of investing in (employers) company stocks

Wednesday, October 11, 2017 0

Many firms that seek to increase employee motivation and tenure use company stock options as a form of HR Retention strategy or even part of their benefits package. If you work for a publicly listed firm, then chances are that they will have a stock purchase plan or program that you can take advantage of.

I also consider this as one of the ‘Lazy Investing Strategies’ out there for beginners or employees to participate in their very first ‘investment.’

Typically, these incentives can be an Employee Stock Purchase Plan (ESPP) or an Employee Stock Ownership Plan (ESOP). Both options work differently, but their purpose is the same: to offer employees the opportunity to invest in company stock and share in the company's profits.

If you already work in an executive management position, your compensation will most likely be heavily concentrated in company stock. This is an incentive to pay managers more if the company performs well. And as an insider, your stock ownership is publicly reported by law as well.

Employee Stock Purchase Plans (ESPP) – employees have the ability to buy shares of their company's stock at a discounted price (usually 10-15 percent) based on the fair market value. Contributions to the plan are made through payroll deductions (that are customizable percentage contributions).

Sometimes, some employers offer matching contributions to the plan to allow employees to build their company stock portfolio faster (if you contribute 5 percent of your salary, the company also matches 5 percent).

Employee Stock Ownership Plans (ESOP) – offer a hands-off way for workers to own their company's stock. With this plan, the company buys shares on your behalf, but you pay nothing for this benefit. The stock is treated as part of your compensation package, which is similar to a profit-sharing plan.

You will have more control with the ESPP where you can easily buy and sell stocks, while ESOPs shares are held until you retire or leave the company, at which time the employer buys them back and distributes the gains.

Pros and Cons of Investing in your employer’s company stocks:
•Lesser costs and expenses – this includes your own money since you are already buying at a discount; and you don’t have to personally pay for broker fees as well.

•Simplified investing - You only have to buy one stock again and again through stock plans. It’s easy!

•High Profit potential - The value of your company's stock plan is tied to your employer's success. If you work for an established company with a lengthy track record of profitability, then being able to buy its stock at a discount or being granted shares can yield higher returns compared to purchasing stocks through a broker.

•Lack of Diversification - avoid putting most or all of their eggs into one basket. Ideally, company stock should make up only 10 percent-15 percent of your total portfolio.

•Higher Risks – Workers who invest in company stock need to realistically consider the possibility that their employers could go bankrupt at some point.

•Taxes – Stock options can make an employee a lot of money, but the tax issues are very complex as well.

Divide your portion into seven, or even eight parts, for you do not know what disaster may occur on the earth. – Ecclesiastes (11:2)

The writer is an RFP® –Registered financial planner and helps people through CERTA, Inc.’s financial education programs, estate planning & investment advisory ( He’s also a Real Estate Broker, author of the award-winning personal blog–; Vice Chair –

Originally Published in Philstar - The Freeman Newspaper last October 10, 2017.
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Sunday, October 08, 2017

Good Advice Project: Maria Reyna Sabandal #22

Sunday, October 08, 2017 0

Good Advice Project: Maria Reyna Sabandal #22
This chapter of the Good advice project comes from Maria Reyna Sabandal #22; Barista, Post-Graduate Student, QUEEN. Daghang Thank you sa pag share! :)

"Pursue Something that fulfills you!"

As I get older, I am now more inclined to do the things that fulfills me. An example of this is my journey in my post-graduate studies. I wanted to do it right after graduating college.

I had my grandmother who totally supported this decision but things changed when life decides to throw a curve ball at you - she died. And I had to adapt and change my plans: I had to find work, learn to be independent then maybe later on take masters.

It was a struggle since one had to do adulting, then have this goal or desire at the back of my head that keeps staring at me. I later contemplated in giving it up since I thought I wasn't able to start early or achieve that goal I always had and wanted.

Slowly, but surely I was able to save up, talk to my friends and even found some motivation from colleagues who were working while also studying. After almost a decade, I finally was able to enroll myself --- but then life happened once again - reality hit me hard. I realize I had to do a lifestyle change since when we work, we meet new people, people we never thought we'd meet. Friends that we hang out with all the time. And I almost always went out chilling or partying during weekends and the realization that I had to give that up was really hard.

But I reminded myself that "Ginusto ko to!" Now I am living the goal that I set all those years ago, although it took a while but I did it!

I don't know what I'll do next after I finish this current endeavor but I'll definitely look forward to whatever it is and I will make sure that it is something that fulfills me since most people go through life regretting the things that they did not pursue when they were younger.

I believe that it is very important that we all have to aim for something; in whatever you do, make sure you have a goal and working towards a fulfilling purpose.

What do you think of this good advice?

For more information, do read the main blogpost on 365 Good Advice Project: Coffee Talks/Dates
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