FEATURES

Some of our Philippine blog features: some posts published on syndicated sites, news, and media publication can be found here. Sunstar, Rappler, other blogs, etc.

  • “Quarantined Thoughts” – Stories during the Coronavirus Pandemic

    “Quarantined Thoughts” – Stories during the Coronavirus Pandemic

    “Quarantined Thoughts” now available for download in Google, Amazon, Kindle and Yumyu

    They say that every 100 years or so, nature throws humans a curveball in the form of a pandemic.

    All around the world, we are experiencing the same odd new experiences of social distancing, quarantine, isolation, and flatten the curve. There are also tons of stories to talk about, relatable with hundreds of millions of people around the world.

    The effects, challenges, and changes related to the COVID-19 pandemic have affected us all. Soon, everything we are experiencing will be part of history–a piece of history we were all able to live through. 2020’s events have ultimately changed the way we work, live, and plan for the future.

    “Quarantined Thoughts” aims to connect people with stories: with the aim of chronicling life during the pandemic and help process thoughts and feelings through writing.

    The collection of stories are now available in e-book form in three volumes!

    Both volumes have paid versions on Amazon/Kindle and Google Play. Sales proceeds will be divided among the authors, or donate their royalties to the ABS-CBN Pantawid ng Pag-ibig.

    If you decide to buy and read the Amazon/Kindle and Google Play paid version, thank you for helping us raise funds! A little goes a long way!

    You can download the e-books in the following links:

    Amazon:
    https://amzn.to/3fENLDO
    https://amzn.to/3jglYfi

    Yumpu:
    https://bit.ly/ReadQTVOL1
    https://bit.ly/ReadQTVOL2

    Google Play:
    http://bit.ly/QTVOL1GooglePlay
    http://bit.ly/QTVOL2GooglePlay

    FAQ

    What is Quarantined Thoughts?

    Coronavirus Chronicles is a collection of stories on coping with the ECQ and lockdown.

    What is ABS-CBN Pantawid ng Pag-ibig?

    ABS-CBN Pantawid ng Pag-ibig is a program of ABS-CBN accepting cash donations “to buy food and basic necessities distributed to different communities in need” in the Philippines, especially those greatly affected by the COVID-19 pandemic.

    What is PaperKat Books?

    PaperKat Books is the self-publishing arm of HS Grafik Prints that teaches aspiring authors how to write and self-publish their books.

    Read more of the story at Economerienda (Self-Quarantined Birthday and Self-Love Rituals). You can also check it out on PaperKat Books website by following the link here.

    Other Features

  • Feature Article at Lawbase PH

    Feature Article at Lawbase PH


    Insolvency Proceedings: For Debtor and Creditor

    We contributed an article on business insolvency at Lawbase PH entitled ‘Insolvency Proceedings: For Debtor and Creditor‘.

    What is Lawbase PH?


    LawBase PH provides a pool of brilliant lawyers at every price point for persons or businesses looking for retainer lawyers to lead the corporate housekeeping of documents and submissions.

    You can read the article on the Lawbase PH website or below:

    The economic damage brought about by the COVID-19 pandemic and the government response to it may result in greater use of the country’s insolvency law – the Financial Rehabilitation and Insolvency Act of 2010 (FRIA) or Republic Act No. 10142. 

    Without insolvency law, a business saddled with monetary liabilities could end up drowning in collection suits. Businesses don’t want to defend against multiple legal actions since that can entail steep legal fees. Leaving an insolvent business entity to its own devices in paying off its liabilities can prejudice creditors who the debtor chooses not to prioritize in payment, for one reason or another.

    Similarly, enforcing judgments on collection suits against an insolvent business can mean creditors not party to the collection suit may end up getting less that what they are due. The situation of creditors, who may not know one another, can quickly turn to a competitive race about who gets paid first. 

    Insolvency proceedings prevent this free-for-all of civil litigation and foster predictability in commercial affairs by resolving competing claims for money. For this reason, FRIA serves both creditor and debtor.

    For the Debtor 

    An insolvent company is one with its liabilities greater than their assets. It can file for insolvency as a way to preserve its remaining assets and shield itself against civil suits. To initiate insolvency proceedings, the debtor corporation “must acquire a majority vote of the board of directors and further authorized by the vote of the stockholders representing at least two-thirds (2/3) of the outstanding capital stock.” (FRIA, Section 12)

    Insolvency proceedings are either liquidation or rehabilitation. Liquidation means the debtor wants an organized way of getting its creditors paid as much as they are entitled, the extent that the debtor is able to pay with its remaining cash and the proceeds from auction sales of its assets. Liquidation effectively winds down the business of the company and prepares it to close permanently. 

    Rehabilitation means the business has a chance of getting back to profitability if it follows a court-approved rehabilitation plan, which explores a combination of new sources of financing, and improving the cash flow and liquidity of the company. 

    The business is given a period of time to implement the rehabilitation plan. If the implementation fails or if the rehabilitation of the business is found to be unfeasible from the beginning, the proceedings are converted to one of liquidation. (FRIA, Section 75) 

    The debtor business benefits from a stay order during insolvency proceedings. Stay orders suspend all collection-related litigations against the debtor for the duration of the insolvency proceedings. In contrast to corporations, sole proprietorships can either file for suspension of payments or liquidation. Rehabilitation only applies to corporations. 

    Filing for insolvency puts the debtor in a position to bargain with those who have money claims against it – creditors – for debt restructuring or even outright debt forgiveness. Even if the rehabilitation fails and the assets of the company are liquidated, the owners of the company can sleep well knowing competing money claims have been adjudicated and resolved in just one court proceeding. 

    Their managers having learned valuable lessons, companies that come out from rehabilitation become leaner and operate more efficiently than before.

    For the Creditor

    Banks and lending companies are an obvious candidate for creditors that may be interested in filing insolvency proceedings against their debtors. But any business can have accumulated receivables as a result of laxity in billing or postponements requested by the clients. Businesses selling big ticket items like vehicles and construction equipment, or businesses rendering a complex and highly valued service like engineering and architecture worry about getting paid in a tough economic environment. 

    With regard to rehabilitation proceedings, Section 13 of FRIA states that: 

    SEC. 13. Circumstances Necessary to Initiate Involuntary Proceedings. — Any creditor or group of creditors with a claim of, or the aggregate of whose claims is, at least One million pesos (Php1,000,000.00) or at least twenty-five percent (25%) of the subscribed capital stock or partners’ contributions, whichever is higher, may initiate involuntary proceedings against the debtor by filing a petition for rehabilitation with the court if:

    (a) there is no genuine issue of fact or law on the claim/s of the petitioner/s, and that the due and demandable payments thereon have not been made for at least sixty (60) days or that the debtor has failed generally to meet its liabilities as they fall due; or

    (b) a creditor, other than the petitioner/s, has initiated foreclosure proceedings against the debtor that will prevent the debtor from paying its debts as they become due or will render it insolvent.

    For creditor-initiated liquidation proceedings under Section 91 of FRIA, the petition has to show that “(a) there is no genuine issue of fact or law on the claims/s of the petitioner/s, and that due and demandable payments thereon have not been made for at least one hundred eighty (180) days or that the debtor has failed generally to meet its liabilities as they fall due; and (b) there is no substantial likelihood that the debtor may be rehabilitated.” 

    In contrast to corporations, creditors desiring to place sole proprietors and individuals in liquidation must have aggregate claims, individually or together with other creditors, that reach the amount of Php500,000, allege at least one act of insolvency enumerated under Section 105 of FRIA, and post a bond in the amount determined by the court. 

    Companies who worry about not getting paid are considered creditors. Under FRIA, creditors may file, individually or with other creditors, to place the non-paying entity (the “debtor”) in insolvency proceedings.

    In insolvency, the debtor “corporation receives assistance from the court and a disinterested rehabilitation receiver to balance the interest to recover and continue ordinary business, all the while attending to the interest of its creditors to be paid equitably.” (Viva Shipping Lines, Inc. vs. Keppel Philippines Mining et. al., G.R. No. 177382, February 17, 2016) 

    Rehabilitation preserves the assets of the debtor and gets the company back to a state of profitability so that the creditors can potentially get paid more money compared to what they would get if the assets were liquidated. Creditors also have a say in the features of the rehabilitation plan. Comments and objections can be admitted with regard to the feasibility of the rehabilitation plan. 

    A court-supervised process of getting the business back to profitability and resolving property claims avoids the situation of the free-for-all in chasing after the debtor’s assets. The court and the rehabilitation receiver oversees the implementation of the rehabilitation plan and so preventing fraud and misappropriation, ultimately benefiting both debtor and creditor parties. 

    More Posts on Law and Business

  • Article Feature by The Good Men Project

    Article Feature by The Good Men Project


    The Good Men Project published our story, ‘The Art of Choosing the right one’ on their website!

    What is The Good Men Project?

    The Good Men Project is a media company and idea-based platform where people share stories worthy of conversation. The website started as a place to share defining moments in men’s lives and what it means to be a good man. It has since grown into a holistic platform that discusses parenthood, family, sex, relationships, ethics, politics, current events and more.

    The article uses a corporate framework in the ideal team player and how you can use the framework in to love, dating and relationships.

    The story initially appeared in this blog at Economerienda (Ideal Life Partner: The Art of Choosing the Right One). You can also check it out on at TGMP website – The Art of Choosing the Right One.

    Life and Love

  • Featured Published Story at Paperkat Books

    Paperkat Books – Coronavirus Chronicles: Quarantined Birthdays and Self-Loved Rituals

    I recently published a story at PaperKat Books for Coronavirus Chronicles.

    My story is about how I spent my 30th birthday on lockdown, when I originally expected my ‘dirty thirty’ to be something, well, wilder, I never expected in my wildest dreams it would be this.

    I recommend writers to contribute to this wonderful initiative by PKB. If you’re bored during quarantine or would have interesting insights, musings, and stories, we urge you to share it with them.

    What is PaperKat Books?

    PaperKat Books is the self-publishing arm of HS Grafik Prints that teaches aspiring authors how to write and self-publish their books.

    What is Coronavirus Chronicles?

    Coronavirus Chronicles is a collection of stories on coping with the ECQ and lockdown. You can submit your stories at kceustaquio@gmail.com anytime until August 31 2020. Instructions are on their blog post.

    What happens if I contribute?

    Your story will be published online in Phase 1, on their website. In Phase 2 is the e-book or printed book production. They will compile all entries and turn them into an ebook or printed book by the end of 2020. All authors will get a free copy of the ebook and/or printed book.

    What kind of stories do they want?

    According to their site, they like human interest stories: heroes, and front liners, engagement stories, giving birth during the lockdown, anything that touches the soul.

    Read more of the story at Economerienda (Self-Quarantined Birthday and Self-Love Rituals). You can also check it out on PaperKat Books website by following the link here.

    Life and Love

  • The Company Cebu Coworking Space Guest Blog Post

    The Company Cebu Coworking Space Guest Blog Post

    We wrote a guest blog post for The Company Cebu Coworking Space – Remote Worker’s Toolbox: 10 Tools Every Remote Employee Needs.

    What is The Company Cebu?

    The Company is a coworking community that offers flexible, bright and ergonomic workspaces and office solutions to freelancers, creators, and creatives.

    Where is The Company Cebu located?

    The Company has two locations in Cebu City, Philippines, in Cebu IT Park and Mandaue.
    Cebu IT Park. 15th Floor, HM Tower, Corner of West Geonzon Street, Cebu City, Cebu, Philippines 6000
    Mandaue. Ground Floor, Building 4, JDN Square, P. Remedio St, Mandaue City, Cebu, Philippines 6014

    Where else is The Company located?

    The Company has 8 offices located around the world in Singapore, Bangkok, Cebu, Japan and Hawaii.

    The COVID-19 pandemic has pushed businesses to accelerate migration into remote work. As lockdown measures eased and the economy is starting to open up, some companies have seen the benefits of remote work and making a permanent change to move their operations online.

    From reliable internet to noise-cancelling headphones, to a Google cloud storage; here are 10 online and offline tools every remote worker needs.

    To know more about how to restart business and pivots to do after the lockdown, look at our COVID19 Reopening Business Guide.

    Read more of the story at The Company (Remote Worker’s Toolbox: 10 Tools Every Remote Employee Needs).

  • Hello, Love Feature by The Good Men Project

    Hello, Love Feature by The Good Men Project on Modern Dating at Medium

    We syndicated this second story on The Economics of Modern Dating on Medium. The post originally appeared here on this blog post here and subsequently appeared on a Medium Publication Hello, Love feature by The Good Men Project.

    What is Hello, Love?

    The Good Men Project released the new publication called Hello, Love that explores stories on themes of modern love. Topics include relationships, commitment, intimacy, and love from all perspectives. Love is love!

    What is The Good Men Project?

    The Good Men Project is a media company and idea-based platform where people share stories worthy of conversation. The website started as a place to share defining moments in men’s lives and what it means to be a good man. It has since grown into a holistic platform that discusses parenthood, family, sex, relationships, ethics, politics, current events and more.

    The article starts with my comparison to dating and life during the 90s (time of F.R.I.E.N.D.S.) and how the popular sitcom would be now. Today has become a dizzying spectrum of labels in love and dating.

    Behavioral economics teaches you a lot about our behaviors in the market–and it also teaches us a lot about love and relationships.

    1. The Paradox of Choice – Primarily why we can’t choose and stick to one!
    2. Buyer’s Remorse – the next match will always be better
    3. Social Capital – social capital is now in the form of how many followers and the verified checks in your accounts
    4. Technology as a Security Blanket – why we avoid confrontation now, and find it easier to ghost someone.

    Read more of the story at Economerienda (Economics of Dating). You can also check it out on at Hello Love by The Good Men Project – The Economics of Modern Dating at Medium.

    Life and Love

  • Hello, Love Feature by The Good Men Project

    Hello, Love Feature by The Good Men Project

    Our story . The Ideal Life Partner framework appeared originally here on this blog post here and subsequently appeared on a Medium Publication Hello, Love feature by The Good Men Project.

    What is Hello, Love?

    The Good Men Project released the new publication called Hello, Love that explores stories on themes of modern love. Topics include relationships, commitment, intimacy, and love from all perspectives. Love is love!

    What is The Good Men Project?

    The Good Men Project is a media company and idea-based platform where people share stories worthy of conversation. The website started as a place to share defining moments in men’s lives and what it means to be a good man. It has since grown into a holistic platform that discusses parenthood, family, sex, relationships, ethics, politics, current events and more.

    I shared a framework that is used in business and professional settings on the Ideal Team Player. I found it equally helpful to use the same framework in the relationship context as well.

    Read more of the story at Economerienda (The Ideal Partner Framework: The Art of Choosing the Right One). You can also check it out on this link at Hello Love by The Good Men Project.

    Life and Love

  • Making of a Millionaire – Medium Publication Feature
    Making of a Millionaire Medium Publication

    Foolish to Frugal: Tips on How to Live Minimally

    This Story appeared originally on this blog and on Medium Publication Making of a Millionaire.

    The story recounts my journey from a foolish twenty-something-year-old–to become more wise with what I spend on. Now I practice minimalism and mindful spending.

    You can read more here at Economerienda at Foolish to Frugal How to Live Frugally.

    This post has also been syndicated a Making of a Millionaire, a great Medium publication on personal finance and money management.


    Life and Love

  • Feedspot Best Philippine Business Blogs
    Feedspot – Top 15 Best Philippine Business Blogs

    Top 15 Best Philippine Business Blogs

    We’re in the list of Feedspot Top 15 Philippine Business Blogs!

    On the list of Best Philippine business blogs include Entrepreneur, BusinessTips.ph, Negosentro, Business World, and Tycoon Philippines.

    Economerienda is fairly new in the webspace, barely two weeks old, so any amount of shout-out is a big thing for us.

    Feedspot is an online RSS feed reader. Feedspot lists websites all in one place. Getting on the list is not difficult. One can simply submit their blog or website to Feedspot to help grow your traffic and revenue. They will then place you on the list according to the category that best defines your blog or site.

    For marketers, it’s a great way to source authority bloggers and connect with them to collaborate and improve your outreach.

    Go to the homepage to read our latest business and personal finance guides at Economerienda now.

    Our latest Philippine business law guide is on Restarting Business for MSMEs and doing business in the new normal.


    While you’re still here, we’ll also share a few sites that our friends and business have also created. We’ll continue to update this curated list of business and personal finance blogs that we think you’ll enjoy:

    Business and Personal Finance

  • WDYTO Podcast – Rappler Feature

    Rappler Detours from Home
    To save our relationship, we started a podcast

    (Podcast Rappler Feature originally on Rappler)

    Did you know that COVID-19 is not only taking lives but it’s killing relationships as well?

    It’s all over the news and Twitter feeds – divorce rates are spiking, people are breaking up, married couples are on each other’s throats being indoors and together 24/7. Young couples are apart and not allowed to see each other.

    It’s especially hard on new relationships.

    Take it from me, someone who just started a new relationship at the start of this year. I’m currently based in Cebu doing business, while he is practicing law in Manila. Long-distance is tough, but we had plans to close the gap and move his law practice to my city by mid-year.

    Of course, the world had different plans.

    A day before my boyfriend Ken is supposed to fly to Cebu, the nationwide lockdown (also known as Enhanced Community Quarantine) was issued. All flights canceled. All plans postponed.

    Because of the pandemic, business operations have ceased. His plans to move his law practice to Cebu were derailed. Like everyone else, we’re just as confused. How would this do for our careers and our relationship?

    We continued to make our relationship work by calling each other everyday. The first few months of a relationship is supposed to be the honeymoon phase. But the pandemic has somehow sped up the getting-to-know process. Sometimes it feels like we’re already like one of those old married couples.

    For example, we sometimes get into phone conversations that start with a harmless ‘What should we watch on Netflix?’ but would somehow evolve into heated debates because of the polarity of some of our views.

    Neither one of us would concede very easily.

    It’s either because the lockdown situation has taken a toll on us or we just have too much free time to invest our feelings in petty arguments.

    It’s dangerous when two energetic go-getters suddenly have nothing to do. It will naturally cause some friction. You’re suddenly void of activities. Days are long and your time is more than enough – there are no deals to close, no contracts to review, no meetings to schedule, no hearings to attend to.

    That’s when we realize that we’re on to something here. In one of our daily phone conversations (around the third week of ECQ), we decided, why not record our conversations? What do you think of starting a podcast?

    What do you think of starting a podcast?

    So, we did.

    And it grounded our relationship.

    We started a podcast to share our opinions and musings on anything under the sun – mostly we like to talk about the fringes of history, culture, anthropology, law, business, and economics.

    In our podcast ‘What do you think of?’ we explore different topics per episode—what do you think of the Mongol Empire? …of a billion? …of bitcoin? …of salsa dancing?

    Producing the podcast took a lot of time from our idle days and we became more productive. Making a podcast seemed easy from the get-go—but it wasn’t as simple as we thought. How will we record our conversations when we are 600 km apart?

    We had to learn how to do a remote recording setup, how to sync and edit audio files, how to distribute it cross-platforms, how to promote, and engage with the community. There’s a lot of trial and error, and we’re still learning day by day.


    The podcast created more accountability for what we say. There’s more at stake now rather than winning an argument against your boyfriend. If before I could just get away with peppering my statements with statistics I may have pulled out of thin air (hehe) in order to sound more credible to Ken, I couldn’t do that now because the podcast will be available to the public and will be heard by others.

    Aside from learning a new set of skills together, the podcast became the neutralizer to differing views. We became collaborators, working on the same goal.

    It was a great journey with my boyfriend and we still have tons to learn. But I urge others to make ‘start a podcast’ part of your quarantine to-do list.

    As of now, uncertainty is still looming, and we’re taking still taking it one day — and one episode — at a time.


    ABOUT THE AUTHOR

    Rachel Arandilla, who hails from Cebu, is a storyteller and entrepreneur. I write about travel for Sunstar and have authored one travel anthology Postcards from Elsewhere. Founder of Story Nights: Cebu, a non-profit group that promotes storytelling and organizes storytelling events, and business owner of Grafik 9, a creative agency and production company.

    A poet and a quant, I maintain two blogs for the dual sides of me: one blog on travel & stories blog and another blog for business and finance.


    So that was our podcast Rappler feature! You can find the original post in Rappler here. If you’re interested to follow us or listen to the podcasts, links are below.

    More Features


    Life and Love

Latest Blog Posts