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In its effort to promote not just financial wellness but physical wellness as well, the HPP Employees Credit Cooperative has entered into a Memorandum of Agreement with Amazing Nature Care International (ANCI) to be a distributor of various ANCI products made from Stevia, an herbal plant that has been proven to provide many health benefits including lower blood pressure, diabetes control, weight loss, cancer prevention, lower cholesterol levels, oral health, skin care, and osteoporosis prevention, among others. In addition, Stevia contains zero calories, zero cholesterol, zero sugar, and has zero glycemic index*. It doesn't have the harmful side effects of sugar.

With the partnership, HPPECC members will be able to get Stevia products at specailly discounted price. Some of the ANCI products include:

• Brown Rice Promegranate Coffee - anti-oxidant, anti-cancer, immune system booster, good blood circulation
• Slimcare Coffee - weight loss, skin whitening 
• Stevia Tea Leaves - detoxification 
• Stevia Capsules - food supplement
• Nutisweet Stevia Powder - natural sweetener
• Guyabano Iced Tea with Stevia - healthy iced tea

 For dealership, members may email inquiries to This email address is being protected from spambots. You need JavaScript enabled to view it..

*Glycemic Index is a value assigned to foods based on how slowly or how quickly those foods cause increases in "blood sugar" levels.

HPPECC officers went to Bocaue, Bulacan on August 12, 2019 for a visit to the ANCI Stevia Farm and signing of the Memorandum of Agreement. From left, Johan Molo (Chairperson), Val Hilario (CEO), Gege de Guzman (Director), Kat Salangsang-Garcia (Vice Chairperson), PM Espadon (Director), and Janet Abrigo (Admin Assistant).

Witnessing the MOA signing include (from left) Edwin Rondina (Marketing Director), Nemie Hermano (Senior Sales Consultant), and Jerry Obina (Institutional Head). 

HPPECC officers trying the Quantum Resonance Magnetic Analyzer (QRMA), a high-tech machine that analyzes a person's health through electromagnetic signals in the body. It works by collecting and analyzing the weak magnetic cells in the human body and recommends possible solutions. ANCI Sales and Training Head, Joy Pablito, is seen explaining how the machine works.

"Ang tagal naman ng sweldo!", "Maliit kasi sweldo ko!", "Puro kayo gastos!", "Hay nako, kapos na naman!"

Sound familiar? They say it's human nature to complain. They may be right but no matter how small or big your salary is, if you lack discipline, no amount of salary will ever be enough. Elizabeth Warren, a US Senator and professor at Harvard University specializing in bankrupcy law, created what is known as the 50/30/20 Rule. Simply put, the rule advises you to spend your monthly income in 3 categories:

• 50% on things you need
• 30% on things you want
• 20% on savings and investments

The beauty of this rule is that it's both simple enough to follow yet powerful enough to help you achieve financial stability. It helps you handle unexpected expenses while at the same time prepare you for the future. If you're not sure how to start your budgeting strategy, try this. You can always adjust the percentages that's more suited to your current situation but it's a good place to start. It allows you to balance between your obligations, your long term goals, as well as your splurges. And at least with a rule like this, you know where you are over-spending. 

Of course if all else fail, there's always HPPECC. :-)

As part of its continuing education, the officers of HPPECC attended the Cooperative Management and Governance Course held at 10F Two Cyberpod on Aug 3, 2019. As one of the trainings mandated by the CDA (Cooperative Development Authority) for cooperative officers, the course aims to equip cooperative officers and management the skills necessary in the effective operation of their cooperative as an economic and social enterprise. Among the topics discussed include good governance principles and practices, duties and responsibilities of officers and management, meeting management, financial management, HR, and the various laws relevant to cooperatives.

The course was conducted by Ms. Nonalyn Hermogenes, a CDA-accreddited trainer with almost 30 years of experience in the cooperative movement.  

HPPECC expanded it's Learn to EARN Program (LEARN) and partnered with Buhay DXC to present eCommerce: Doing Business in the Digital Era. HPPECC extended the invite to all DXC employees while coop members were allowed to bring a dependent. The event featured Lazada who discussed about the huge potential of eCommerce in the Philippines and showed how easy everyone can be a seller online. Lazada guided the attendees step by step on becoming a Lazada Seller - from creating an account to posting their first product. A number of attendees became an official Lazada Seller on the same day.

Other speakers include GCash who discussed about the features of GCash and how GCash can make doing business in Lazada easier for sellers. Jollibee Yumburgers were also given out to attendees for P1.00 using GCash.

ANCI, the maker of Stevia Products, discussed about the health benefits of Stevia as a natural sweetener and food supplement. Products samples were also distributed and stevia products were sold at 50% off during the event.

As in most HPPECC events, day ended with a raffle. Associate Member Lito Cabezas became the lucky winner of a 3D/2N Accommodation at Serin Tagaytay.

Until next LEARN Session!

About the HPPECC LEARN Program

The main objective of cooperatives is really to help people help themselves. In line with this, HPPECC has luanched what it calls LEARN Program where members can "LEARN to EARN". The idea is to run small business-related or livelihood seminars/workshops that will equip members and/or their families with the skills necessary to start their own business and earn extra income.