Author Archives: The Author

5 Key Insights on Stock Market and REITS this 2021


“Our quality of life depends on the choices that we make every day.” -Anonymous- Investing in Stock Market and REITs are too overwhelming. With so much information to learn about Stock Market and REITS, sometimes we felt discouraged to push through on our investing journey. Now that REITs are still young, many finance professionals will […]

Surprise Gift Giving of IWOK

“Always find time for the things that make you feel happy to be alive.” -Anonymous- It’s September and Christmas spirit is in the air. Christmas is the season of gift-giving. Recently, IWOK kicked off a surprise gift-giving to 11 children at a charitable institution here in Kuwait. The children are so delighted and grateful for […]

5 money mistakes that you, yourself might be committing

However, not all OFWs are able to manage their finances well. In reality, some are able to handle their finances well, and some are not able to grow their savings. This leaves us the question, why? Here are 5 money mistakes that you, yourself might be committing. Not making a budget plan FIlipinos choose to […]

10 Money Lessons That You Should Learn | Diary ni Gracia

10 Money Lessons that You should Learn… to Save Your Future   Money is essential: And to enjoy everything the world has to offer, even the little things, you have to earn and make money. Navigating the world of personal finance can be overwhelming, even for an adult who has quite a bit of experience […]

10 Ways to Become Successful in Life | Diary ni Gracia

How to be successful in life? Did you know that this is one of the most searched questions in Google? It only means that everyone wants to become successful.   But, what does success mean to you, anyway? Is it having great wealth, earning a degree, living an extravagant lifestyle, becoming an influential person, marrying […]

Life Amid Pandemic: How The Coronavirus Is Affecting University Students

The global spread of COVID-19 has greatly affected almost all walks of life, forcing humans to shift to the so-called “new normal.” One of the sectors that received a heavy blow from the coronavirus outbreak and still sowed major confusion is the higher education.   According to the Organization for Economic Cooperation and Development (OECD), […]

50+ Social Norms That You Must Know

50+ Social Norms that you should know to survive in different social situations     “Few people are capable of expressing with equanimity opinions which differ from the prejudices of their social environment. Most people are incapable of forming such opinions.”   ― Albert Einstein     If you receive a compliment or a present, you […]

Travel Guidelines and Procedures for Returning OFWs from Kuwait to Philippines | Diary ni Gracia

“The Pessimist Sees Difficulty In Every Opportunity. The Optimist Sees Opportunity In Every Difficulty.” – Winston Churchill This article will walk you through the new travel guidelines in compliance with the new Inter-Agency Task Force (IATF) Resolution No. 114, released last May 8, 2021.   If you are a land-based Overseas Filipino Worker (OFW) working […]

Step-by-Step Guide on How to Register for the Vaccination in Kuwait | Diary ni Gracia

Guide me in your truth and teach me, for you are God my Savior, and my hope is in you all day long.   Psalms 25:5     In line with the response of the Kuwait Government to the COVID-19 pandemic, the Ministry of Health (MOH) has launched an online registration service for COVID-19 vaccination in […]

Father’s Day Special: An Open Letter to All Fathers

This is a letter of love, hope, encouragement, and recognition to all the pillars of the family this Father’s Day.   “As a father has compassion on his children, so the Lord has compassion on those who fear him.” Psalm 103:13     “Anyone can be a father, but it takes someone special to be a […]

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