Monday, August 18, 2014

How to Get Rid of Rice or Grain Beetles

Do You Have Grain Beetles Hiding in Your Pantry? | The Kitchn:



Two weeks ago, I spent almost two hours and  a lower back pain trying to manually remove all rice weevils from our plastic rice box container by exposing them to daylight and pick them up using paper towels and spaying them separately with insecticide.  I thought I had exterminated them  all  until I found them today multiplied once more in my newly bought rice and in the same plastic rice box. Then I searched Mr. Google and found this very helpful article on their breathing ground and how to avoid them .


These are their suggestions:



1. Avoid open containers for rice , flour , or any food .


2. Get rid of old flour  and or cornstarch box where they normally hide and multiply.


3. Use glass, metal or hard plastic sealed containers for storing grains.


4. Regularly clean your pantry to avoid the insects.


5. Don't buy large amount of grains for storage (buy only what you need for a week or two)


6. Use white vinegar to clean the place where they usually hide.

If you find your rice infested with this insect , are you going to throw everything away ? Do you have similar experience? Please share with us what you did to get rid of the rice weevils.

Monday, August 11, 2014

Easiest way to Invest in Stock Market with BDO EIP

On her twenty-first birthday I want my daughter to start investing in stock market and save for her future. I asked her to personally open an account at BDO Manila (near the place where she stays) because as her father I was told that I can't open one for her because the age limit is 19 .

Why did I choose BDO Easy Investment Program on UITF Equity Fund? It's because the ROI year-to-date interest for this mutual fund is up to 16.04% as of 8th Aug 2014 which is much higher than the 1.5% interest rate you get for money market or time deposit. This is also one of the best mutual funds for the past two years according to research. This UITF invests in blue chip Philippine stocks such as PLDT, BDO, Ayala Land, DMCI, SM, ICT, AGI, PX and SMC. For a small Trust Fee of 1.25% per annum professional BDO fund managers invest for you and free you from the time consuming market analysis. The disadvantage of this is limiting your gains from personal investing in the stock market.


For those of you who have more time ,thirst for risk appetite and want higher gain which depends on your personal skills , you may open an account at www.citiseconline.com (pls see my other blogs about this)

What are the requirements for opening BDO Easy Investment Fund on UITF Equity Fund for students(age 20 and above)?

  1. Two valid ID's such as school id , passport or driver's license
  2. Two pcs 1x2 photo
  3. School Registration Form and Original receipt of Driver's License (If you're not a student, just present any valid IDs)

Hints when filling up the BDO UITF Application Form:

  1. Open BDO Peso Equity Fund
  2. Choose long term investment with risk appetite(at least 5 years ,the average period when stock market reach maximum gain)
  3. Select period of deduction such as monthly
  4. Choose minimum deduction such as P1,000 / month (this is the minimum allowed)

When automatic deductions reach P10,000 (in this example ten months) you may go to your branch of account to get your UITF receipt . For those of you who have P10,000 or more investable funds ready, you may widraw this fund and apply for UITF directly at any designated BDO counter. You may claim the UITF certificate after another three (3) more banking days . Keep this UITF certicate in a safe place for fund widrawal later at end of term.

You may also register for online access at www.bdo.com.ph , choose personal banking to do almost all bank transactions online such as view your UITF gains , your fund balance , credit card statements, transfer funds and more.

You also need to register your mobile phone number with them so that they can send the random pin or OTP which you need to use within 5 minutes for online transactions or you may also use personal questions when mobile phone is not available. This made the system secure aside from the username/ password combination.