This Month, I learned about…

This Month, I learned about…

1. Time Value of Money
– Wealth Formula and Opportunity Cost
– Annuity, Present Value and Future Value used for Retirement and Education Planning
2. How and when Money Doubles
– Time it takes for Your Money to Double given an Interest Rate
– Facilities that gives these interest rates
3. Income Replacement Program
– the amount of money needed to replace your monthly salary in case you die too soon.
4. Mutual Funds
– Man at Work, Man and Money at Work and Money at Work
– Investing, Re-investing and Trading
– Types of Funds
– Advantages and Disadvantages of Mutual Funds
– Mutual Funds Portfolio
5. Term Insurance versus Variable Life Insurance
6. Short Term Health Care versus Long Term Health Care
7. How to Create Estate from Insurace
– How your insurance can create Estate for your Family

If you want to learn more and learn side-by-side with me regarding these concepts, please feel free to contact me at my:
Mobile: 09272501552
Email: thomasrodinel@yahoo.com
Facebook: facebook/thomasrodinel
Twitter: twitter/thomasrodinel

Sneak Peek for the Week: Yippee UP

 Hello guys! For this coming week, we will get to visit University of the Philippines – Diliman. We will loiter around the Sunken Garden (Sinking Field for me) and play Frisbee / Ultimate. After intense hours of game time, we will eat to our hearts content at Chocolate Kiss. Finally, we will stroll from Melchor Hall – College of Engineering to Velasquez Street where the Electrical and Electronics Engineering Institute is located.

This adventure will take us back to May 11, 2013 and will be written in three mini-series. For the meantime, enjoy these pictures below. 

Part 1: Sports: Frisbee at UP Sunken

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Part 2: Foodie Goodie: Chocolate Kiss

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Part 3: Travel: UP Eng’g – EEE Stroll

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Travel: Daraitan – Tinipak River and Cave (05/26/2013)

(This is the last part in a series of five entries for Tanay – Daraitan)

Tinipak River dissects the Sierra Madre mountain range and travels along the valley of Mount Daraitan and adjacent mountains. The river sources its water from rainfall that then flows through runoffs, or percolates and gushes at springs, streams and cave systems usually found at  higher elevations. It then ends it journey at the Pacific Ocean near Polillo Islands.

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Tinipak River and Cliff Formations

Tinipak River and Cliff Formations

After reaching Tinipak River, we bought supplies for refreshment and for lunch at a sari-sari store. We then hiked another 15 minutes until we reached the camping spot along the banks of the river. A natural mineral spring for drinking water and cooking is also located near the camping spot. We were amazed with the limestone and marble formations along the sides of the river.

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Tinipak River Cascades / Rapids

After swimming and bathing along the river, we got to view some local kids that are fond of cliff diving. One thing to note is that the river current is strong so it is advised to be careful in swimming near cascades or rapids. We then cooked and ate our lunch and proceeded with the caving activity.

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Team Dips in the River

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Geof and I doing our School Pose

 

Tinipak Cave

Tinipak Cave is just some hundred meters away from where we camped at Tinipak River. We brought our head lamps and flash lights to help us navigate through the cave. We just finished our travel halfway through the cave as we have limited number of flashlights and it was already getting late in the afternoon. Nevertheless, spelunking was spooky fun. 

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Cave Entrance

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Traversing the Cave

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Halfway Through – Point of Return

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Pitstop

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On Our Way Out

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Refreshing Dip after Spelunking

After spelunking, we then departed back to Daraitan Proper, hired a jeepney to bring us back to Tanay and then rode a van back to the Metro.

Expenses and Other Information

Cost: The entire cost of travel (guide fee, transportation, food and supplies) is less than 1000 pesos per person but it is advised to carry another thousand for emergency purposes

Information: You’ll have to register at the Daraitan Barangay Hall where you can hire guides during the entire climbing, hiking, spelunking trip. You can also ask for other tourist spots like waterfalls, canyoneering, rappelling at the said hall.

Tips: Tricycle cost from Tanay to Daraitan is around 300 – 500 per tricycle and should not go beyond this price point in the near future.

If you are travelling in a group of ten, I advise that you hire a jeepney instead of tricycles as it will be faster and less bumpy ride.

Food and Water: Bring quick, easy cook meals and trail food (soup, egg, salted egg, chocolate powder drink, nuts, candy or energy bars). As for water, bring about 2L – 3L per person. Also bring energy drinks as you will need lots and lots of ATP (energy).

Final words

Compared with Mt. Gulugod Baboy in Batangas, Mt. Romelo in Laguna and Osmena Peak in Cebu, this climb is probably the toughest but rewards you the most. Daraitan has river and cave systems which you can explore as side trips. The advantage of Romelo is the sheer number of beautiful waterfalls it has to offer (more than four waterfalls). Also, Romelo has buko / coconut juice refreshments available for 10 -20 pesos at essential stops along the way. As for Gulugod baboy, it is a fairly easy climb in which the peak offers a beautiful grassy terrain. During descent you can go directly to the beach to relax and enjoy. Osmena Peak is also a fairly easy 15-30 minutes climb but gives stunning views of adjacent ragged peaks and the Bohol Sea during clear weather.

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Buruwisan Falls at Mt. Romelo, Famy, Laguna

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Osmena Peak at Dalaguete, Cebu

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Jump Jump Jump at Mt. Gulugod Baboy, Batangas. Credits – Marvin Bonifacio

 I wish that the local government check on the possibility of developing river kayaking, river tubing, and river rafting as an extreme sports activity.

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River Kayaking at Tibiao, Antique

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Whitewater Rafting at Davao City

Mt. Daraitan – I will definitely return and hopefully visit your waterfalls next time.

Links:

Part 1: https://solersystem.wordpress.com/2013/07/01/travel-tanay-calinawan-cave-05252013/

Part 2: https://solersystem.wordpress.com/2013/07/02/travel-mt-daraitan-ascent-05252013/

Part 3: https://solersystem.wordpress.com/2013/07/03/travel-mt-daraitan-sunrise-05262013/

Part 4: https://solersystem.wordpress.com/2013/07/04/travel-mt-daraitan-descent-05262013-2/

Part 5: https://solersystem.wordpress.com/2013/07/05/travel-daraitan-tinipak-river-and-cave-05262013/

Travel: Mt. Daraitan Descent (05/26/2013)

(This is the fourth part in a series of five entries for Tanay – Daraitan)

Slippery Descent

After we got our proper dose of sunlight and warmth, we prepared cups of chocolate drink or coffee and sandwiches to satisfy our bellies and get ready for the descent. After our breakfast, we cleared the camp and went down the mountain. We posed for a picture at one of the other peaks near the summit.

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If you think that going down is a lot easier than climbing up, you are definitely, definitely wrong. The heavy rain that dumped so much water made the trail more muddy and slippery. Trekking down also placed a lot of pressure on our knees. It occasionally inflicted pain and induced cramps from time to time. Also, angle of descent is now 30 – 60 degrees. A couple of slips here and there, butt bumps on the ground, scratches and bruises and we finally reached the grasslands. Whew.

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Buko Juice Pit stop

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We walked another trail that leads to Tinipak River after the grasslands. Ground was loose and was rocky at the same time. Our water supplies were almost empty (except for my Gatorade). Luckily, our guide told us that he can get Coconut / Buko Juice along the way. Coconuts are also known as the “Tree of Life” – taught since primary school.  I think the one who coined the term for the tree is definitely correct. The juice, rich is electrolytes, energized and refreshed our bodies.

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Hello Civilization

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We stumbled upon a couple of houses and plantations of calamansi and mangoes along the trail. We also get the chance to meet and greet goats, horses and dogs along the way until we reached Tinipak River.

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Hello Tinipak River!

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Links:

Part 1: https://solersystem.wordpress.com/2013/07/01/travel-tanay-calinawan-cave-05252013/

Part 2: https://solersystem.wordpress.com/2013/07/02/travel-mt-daraitan-ascent-05252013/

Part 3: https://solersystem.wordpress.com/2013/07/03/travel-mt-daraitan-sunrise-05262013/

Part 4: https://solersystem.wordpress.com/2013/07/04/travel-mt-daraitan-descent-05262013-2/

Part 5: https://solersystem.wordpress.com/2013/07/05/travel-daraitan-tinipak-river-and-cave-05262013/

Travel: Mt. Daraitan Sunrise (05/26/2013)

 (This is the third part in a series of five entries for Tanay – Daraitan)

The Moon

At the western side of the camp, while waiting for the Sun to come up, the Full Moon shines brightly and illuminates the other side of the mountain range. The moon also highlights the clouds covering the river valleys.

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The Sun

One of my favorite activities when climbing mountains is waking up early and patiently waiting for the Sun to slowly brighten up the horizon and then cast its piercing rays to energize our body. It is like vividly watching a painter color the sky with hues of reds, oranges and yellows.

Enjoy the pictures below:

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Links:

Part 1: https://solersystem.wordpress.com/2013/07/01/travel-tanay-calinawan-cave-05252013/

Part 2: https://solersystem.wordpress.com/2013/07/02/travel-mt-daraitan-ascent-05252013/

Part 3: https://solersystem.wordpress.com/2013/07/03/travel-mt-daraitan-sunrise-05262013/

Part 4: https://solersystem.wordpress.com/2013/07/04/travel-mt-daraitan-descent-05262013-2/

Part 5: https://solersystem.wordpress.com/2013/07/05/travel-daraitan-tinipak-river-and-cave-05262013/

Travel: Mt. Daraitan Ascent (05/25/2013)

(This is the second part in a series of five entries for Tanay – Daraitan)

After our Calinawan cave traverse, we immediately took off for Daraitan proper and bypassed Daranak falls due to time limitations. Travel time from Calinawan to Daraitan Proper is about an hour. We still get to peek at Laguna de Bay once more before we arrive at Daraitan / Tinipak River crossing.

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Laguna de Bay

Mt. Daraitan at a Glance

Mount Daraitan is a mountain in the boundaries of Tanay, Rizal and Quezon Province. Average height is around 400m above sea level.

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Daraitan River Crossing

Daraitan Proper

Daraitan Proper is more of a Sitio / Barangay. It has a barangay hall, school, market at its center and is surrounded by the houses of the community. We headed to the Barangay Hall to register and get to hire two guides for the hike. We rested for a bit and enjoyed halo-halo for only twenty pesos. As an added bonus, we also get to know that we would be one of the first ten groups to reach the peak of Daraitan. (I am not sure if this is true though or the locals just made it up)

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Halo halo Break

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Team getting ready for the Climb

The first thirty minutes of our climb was grueling. The heat was intense, the sun was at its peak and the inclination of the soil was varying between 10 to 30 degrees and there are the occasional inclinations of greater than 30 degrees.

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Hot and Humid

And then, for an hour, it rained hard. For me, it was a blessing that it rained because it made our climb less tiring. The catch is that it made the trail slippery and our backpack along with its contents wet. (Waterproofing is always advised during climbs) Nevertheless, I was happy hiking while raining (I don’t know about the others though. Hehe)

Grasslands – easy but tricky

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The Grasslands

Upon reaching the famed grassland, the weather cooperated and the sky brightened. The scent of grass and the cold breeze was a pleasure to the senses. The trail is similar to Mt. Gulugod Baboy’s Summit trail though the grasses are taller and sharper. Take caution while navigating the grasslands as they can really inflict shallow wounds in which after some time the part of the skin touched by the grass becomes itchy. This is why it is advised to wear long sleeved shirts and trekking pants to avoid contact with the grasses. Along the trail, we also got the opportunity to view Daraitan’s peak.

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Daraitan Peak from the Grasslands

Assault – hardest part of the climb

After 15 – 30 minutes of easy walking comes one of the toughest parts of the climb – the assault. Loose rock and soft soil make up a significant part of the trail so it is advised to make use of your four limbs. Inclination of the trail is mostly greater than 30 degrees with occasional angle of greater than 60 degrees. I really think that this is not a class 2 – 3 trail >_<. Also be observant as the trunks and bushes that you cling on to are sometimes sharp and thorny. We also came across a cave system along the way.

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Assault!!!

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Cave System along the Way

The camp at the summit

The camp was full of shrubs and bushes that’s why we had to clear the ground using a jungle bolo for us to set our tents. We also got a view of the Daraitan / Tinipak River in the western section of the peak and Polillo Islands on the eastern side. Two other groups accompany us as the peak of daraitan. The first one was a lovely couple in their twenties and the other was a group of Lasallian IT graduates.

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Daraitan River at a Distance

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Polillo Islands at a Distance

Dinner by Lester

If you are a mountaineer, I bet that you become thankful for every food served and every food served tastes more delicious and filling. I was happy that Lester came along the trip. I did not imagine in my wildest dreams that he will cook menudo / afritada (chicken with tomato sauce) atop the mountain.

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Chicken Menudo / Afritada

Links:

Part 1: https://solersystem.wordpress.com/2013/07/01/travel-tanay-calinawan-cave-05252013/

Part 2: https://solersystem.wordpress.com/2013/07/02/travel-mt-daraitan-ascent-05252013/

Part 3: https://solersystem.wordpress.com/2013/07/03/travel-mt-daraitan-sunrise-05262013/

Part 4: https://solersystem.wordpress.com/2013/07/04/travel-mt-daraitan-descent-05262013-2/

Part 5: https://solersystem.wordpress.com/2013/07/05/travel-daraitan-tinipak-river-and-cave-05262013/

Travel: Tanay – Calinawan Cave (05/25/2013)

(This is the first part in a series of five entries for Tanay – Daraitan)

Climbing mountains is always  fun. You get to leave the hassle and bustle of the Metro and get the opportunity to breathe fresh air and drink clean water. You also get the chance to know your workmates more. You also get to interact with locals, know their food and customs. Lastly, you also meet and greet fellow climbers and adventure seekers.

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Geof, Jovie and Lester

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Larry, Thomas (Me) and Jomer

Meet the Gang

Jovie and Lester are from Supply Chain Manufacturing, now Supply Chain – Midrange

Geof, Larry and I are from Supply Chain Logistics, now Supply Chain – Mainframe

Jomer is part of the Supply Chain – WISE project.

Essentials / Must Bring

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My Travel Backpack

1. Backpack and waterproofing equipment

2. 2L-3L Water and 1.5L energy drink (for cooking and drinking, potable water source is during the 2nd day at Tinipak River)

3. Insect Repellent Lotion / Sun block

4. Lightweight clothes / trekking clothes preferably long-sleeved as there are blade grasses along the trail

5. Tents

6. Camera

7. Flashlight / Headlamps (for spelunking / night time)

8. Utensils / Cook set / Kitchen ware / Butane canister

9. Food for dinner, breakfast and lunch

10. Trail food (nuts, M&Ms and the like)

11. First Aid Kit

 

Start of the Journey

Our journey started at Junction Area in Rizal where the team started to gather and then bought supplies for the two-day adventure. We then rode a jeepney to Tanay which took about 2 – 3 hours of travel. Upon reaching Tanay, we ate our lunch before we depart for Calinawan cave. Lunch was a sumptuous meal and only cost us about 50 pesos each. Geof even got the chance to sing at a videoke booth.

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Chow Time

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Geof – Mr. One Voice

After lunch we hired 2 tricycles (3 person each) to get us to Calinawan and then Daraitan proper. Part of the trike trip is bumpy but what compensates for this is the scenery. A view of vast rice fields and the occasional sight of Laguna de bay on one side and the Sierra Madre range on the other is breathtaking.

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Our Trike

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Good road, Good Scenery

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Bumpy Road

The cave

Calinawan, which is an underground cave system, is dry and is relatively short in terms of length. Flashlights and head lamps are a necessity to traverse it.

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Cave Entrance

The cave is usually chosen as a shoot location for various movie and television series due to its relative proximity to Manila. Unfortunately, the production crew of these big network companies destroyed part of the cave system. They placed glitters / “silver dust” at some of the stalactites and stalagmites to make them appear shinier. Also, they placed wooden structures along the way. I hope they would not alter the cave system in their next productions.

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Skylight / Chamber light

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The Cave and the Team

The cave is not in its pristine condition anymore. Nevertheless, the local community started to impose rules and regulations so that what’s left of Calinawan remains intact.

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RA 9072 – Cave Conservation Code

Another attraction near Calinawan cave is Daranak Falls where you can take a refreshing dip after. We did not go to the falls but instead went to Daraitan Proper ask we plan to reach its peak before sun down.

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Calinawan’s Exit

Links:

Part 1: https://solersystem.wordpress.com/2013/07/01/travel-tanay-calinawan-cave-05252013/

Part 2: https://solersystem.wordpress.com/2013/07/02/travel-mt-daraitan-ascent-05252013/

Part 3: https://solersystem.wordpress.com/2013/07/03/travel-mt-daraitan-sunrise-05262013/

Part 4: https://solersystem.wordpress.com/2013/07/04/travel-mt-daraitan-descent-05262013-2/

Part 5: https://solersystem.wordpress.com/2013/07/05/travel-daraitan-tinipak-river-and-cave-05262013/

Sneak Peek for the Week: Tanay – Calinawan – Daraitan – Tinipak Adventure

Hello guys! For this coming week, we will re-visit Tanay. We will traverse the Calinawan cave, climb Mount Daraitan, view the Sun rise at its peak and take a dip at Tinipak River. This adventure takes us back to May 25 – 26, 2013 and comes in a five post mini series. For the meantime, enjoy these pictures below.

Part 1: Calinawan Cave Traverse

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Part 2: Mt. Daraitan Ascent

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Part 3: Mt. Daraitan Sunrise

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Part 4: Mt. Daraitan Descent

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Part 5: Tinipak River and Cave

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Lonely Guesses

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Every time I wake up I pray that something will drastically change everything in my life…
By some unknown reason and for each passing second, my heart is being pierced by a knife…
I guess I’m getting lonelier each day…
I think my life is going astray…

I know I am well loved by my family…
I guess I really just miss them that much…
A family that is an embodiment of the Filipino diaspora…
I guess it finally took its toll on us…

Maybe I just need to travel somewhere far far away…
Or sojourn in another country to start another day …
Learn another course or go back to study…
A fresh new start is all I need, maybe…

Please and I beg you please…
Give me that spark that will make me do the extra mile…
Passion is diminishing…
I guess I’m getting trapped in the doldrums after all…

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Foodie Goodie: IRC Binondo Adventures (02/02/2013)

It’s a rare treat for us, IRC Laboratory batchmates, to meet. Our planned group Sabah / Borneo escapade did not materialize so most of us opted to travel separate ways. Some went to Mount Pinatubo for a hike, two went to Kota Kinabalu, another ended up winning a raffle for a trip to Malaysia / Singapore grand prix.  I saw another went to the US and another one went to Japan. As for me, I opted to travel with my block mates or even traveled solo in the Visayas.

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My IRC batchmates – I miss them!

Nevertheless, time was ripe for another adventure and I was glad that this time it was nearer and is a FOOD TRIP. Andrew, Pao, Xinia,Harold and I decided to meet at SM north and then ride the LRT to Carriedo. We walked and passed by this beautiful BPI building.

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BPI Building near Carriedo

I hope that the current government will maintain our old buildings and heritage sites.

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A fountain near Binondo

Since this is a food blog entry. I’ll post more pictures than sentences. Posted below are the places we visited in Binondo.

Shanghai Fried Siopao:

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CounterClockwise from top: Fried Siopao Stall, Siopao, and its contents

I was expecting a “totally” FRIED siopao, but this is not one of those. Only the bottom part is fried. This cost us about 16 pesos per siopao. I was expecting that I’ll be able to compare this FRIED siopao with the TOASTED siopao of Naga City but this is nearer to the STEAMED siopao than TOASTED siopao. This is still very tasty and delicious!

Next Stop: Fried Frog Legs Alley (I don’t know the name of the place hehe)

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Clockwise from Left: The Alley, the Gang and the fly that comes with the frog legs

Fried frog legs taste delicious! For me, it’s tastier than fried chicken. Of course, we noticed the fly, we played with it but did not bother to EAT it. Haha! Poor old fly, its better inside the frog’s stomach.

Next Stop: Masuki – known for Mami and gigantic Dimsums

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Masuki – A HOT place for a hot mami

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Clockwise from top left: Beef Mami, Chicken Mami, Pao and Xinia enjoying the meal, Harold and Andrew: overwhelmed and overjoyed

Masuki sure is a good place for a hot mami. The place is cozy, the servers and waiters are attentive and accommodating. The only downside is – the place is really, literally HOT!

Next Stop: Dong Bei for Dumplings

One of the best dumplings I’ve ever tasted in my entire life.

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Filling Dumplings

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Dumplings getting ready

Final Stop: Quick Snack for Milky Shake

Quick Snack offers meals but is known for their milky shakes.

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Quick Snack’s Signage

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Pao, Xinia and the Avocado Shake