Dunkin' Donuts Side Trip

After having a few minutes out door massage near Bethel Guesthouse, my wife and I drove around downtown all the way to our office, when we pass by Dunkin' Donuts she's like craving something delicious, she asked me to stop-over for a hot drinks talk and pick some unusual donuts which they called it "BLUEBERRY CHEESE PREMIUM" which is so delicious and tasty especially the top-berry toppings with white vanilla cream on it. Taste so Good! and a cup of Hot Chocolate to make our belly's warmth feeling.

Dunkin' Donuts is the usual and best take-home for the family snack time after work. Kids would always love take home snack than the normal dine meals.

Dunkin' Donuts new premium selection: Black Forest, Choco Butter Crunch, Rocky Road, Choco Nirvana, Dark Choco Berry, Quezo Duo, Dark Crunch, Blueberry Cheese, Kreme Berry. I personally haven’t tried some new flavors so I can’t really tell you how good are those, but Dunkin’ Donuts is a childhood favorites for reasons and I bet ya these are absolutely delicious! I am excited to try Sansribav, which I think to be a combination of yummy sansrival and Dunkin’ Donut’s classic bavarian.

Thank you Dunkin'! its been a good date with my wife today perfectly.

Dunkin' Donuts new premium selection: Black Forest, Choco Butter Crunch, Rocky Road, Choco Nirvana, Dark Choco Berry, Quezo Duo, Dark Crunch, Blueberry Cheese, Kreme Berry

I personally haven’t tried the new flavors so I can’t tell you how good they are, but Dunkin’ Donuts is a childhood favorite for a reason and I betcha these are fantastic! I’m particularly excited to try the Sansribav, which I assume to be a combination of yummy sansrival and Dunkin’ Donut’s classic bavarian.
- See more at: http://www.bacontunamelt.com/2013/03/spoil-yourself-with-dunkin%E2%80%99-donutss-premium-selection/#sthash.wfT57pUK.dpuf

Dunkin' Donuts new premium selection: Black Forest, Choco Butter Crunch, Rocky Road, Choco Nirvana, Dark Choco Berry, Quezo Duo, Dark Crunch, Blueberry Cheese, Kreme Berry

I personally haven’t tried the new flavors so I can’t tell you how good they are, but Dunkin’ Donuts is a childhood favorite for a reason and I betcha these are fantastic! I’m particularly excited to try the Sansribav, which I assume to be a combination of yummy sansrival and Dunkin’ Donut’s classic bavarian.
- See more at: http://www.bacontunamelt.com/2013/03/spoil-yourself-with-dunkin%E2%80%99-donutss-premium-selection/#sthash.wfT57pUK.dpuf

Dunkin' Donuts new premium selection: Black Forest, Choco Butter Crunch, Rocky Road, Choco Nirvana, Dark Choco Berry, Quezo Duo, Dark Crunch, Blueberry Cheese, Kreme Berry

I personally haven’t tried the new flavors so I can’t tell you how good they are, but Dunkin’ Donuts is a childhood favorite for a reason and I betcha these are fantastic! I’m particularly excited to try the Sansribav, which I assume to be a combination of yummy sansrival and Dunkin’ Donut’s classic bavarian.
- See more at: http://www.bacontunamelt.com/2013/03/spoil-yourself-with-dunkin%E2%80%99-donutss-premium-selection/#sthash.wfT57pUK.dpuf

PARENTS AWARENESS: COMMON MISTAKES ON HOW TO DISCIPLINE YOUR CHILD

Does all the discipline advice out there seem impossible?

You’re supposed to do this. Or you’re not supposed to do that.
And here’s the kicker: when your child is acting up and you try the latest advice, it just doesn’t work the way it’s supposed to. So what are you doing wrong?
The truth is, most classic parenting approaches don’t work for a lot of children.
Each child is unique. So a one-size-fits-all approach just creates frustration. Stop making this simple mistake and you’ll start eliminating frustration today.

The biggest discipline mistake

The biggest discipline mistake is disciplining a child contrary to their nature.
When we approach children contrary to their nature, they often react negatively. Adults then react to a child’s negative reaction with disciplinary tactics to try and get them to comply. They just go around and around in a cycle of frustration that doesn’t work.
When you honor your child’s true nature, discipline takes on another look because it’s supportive to your children. They are more cooperative and responsive to discipline that honors them.

What do I mean discipline them true to their nature?

Each child is born into this world with a unique nature and level of energy.
In my work with children, I have discovered 4 basic types of children who express similar tendencies in their body language, behavior, and personality:

• The Fun-loving Type 1 Child: Naturally buoyant and random, these children have a gift for ideas.

• The Sensitive Type 2 Child: Naturally subdued and connected, these children gather details and make plans.

• The Determined Type 3 Child: Naturally swift and active, these children push things forward.

• The More Serious Type 4 Child: Naturally logical and analytical, these children perfect the world around them.

As a parent, you have an intuitive understanding of your child. These 4 Types are just a tool to hels you understand your children’s tendencies even more clearly.
Knowing your child’s Type will help you honor them and create a more mutually supportive relationship.
Learn more about the 4 Types of children here.

Discipline for different Types of children

Let’s look at a typical parenting approach: Time Out.
A Fun-loving Type 1 child in my Energy Profiling system is naturally social. A long, solitary time-out for this child feels like a day of torture. Given their high energy, they’re not likely to just sit still anyway.
A More Serious Type 4 child has a still, reflective nature. Their movement is lower. In fact, if you send a Type 4 to time-out (especially if it’s in their room), it may actually feel like a reward.
If you need to discipline a child, do it in a way that honors their true nature…

• Turn cooperation into a game for a Fun-loving Type 1 child.
• Speak gently and reassure a Sensitive Type 2 child.
• Give that Determined Type 3 child a motivating challenge.
• Make discipline a private experience for a More Serious Type 4 child.

All 4 Types of children will respond well when their needs are met and voices heard.

Skip the advice—customize your parenting

Stop trying to sort through all the advice of what you should do and start doing what your child’s already telling you will work.

Courtesy from: The Child Whisperer

Investment Options For P20,000 Or Less

Let’s say you’ve been saving P2,000 every month from your paycheck, and now you have P20,000. Or you got that amount as a performance bonus from work. Or a particularly generous relative gave it to you for your birthday. What would you do with it? You might be thinking that it’s too little an amount to invest in anything long-term, enough that you’re tempted to just go shopping with it. But if you look around for wiser options, you can find ways to make that money work for you. Below, we’ve put together a list of investments you can make with P20,000 that are financially better for you than going on a shopping spree.

Unit Trust Investment Fund

You can easily dive into the world of investment with P20,000. For example, Security Bank offers a number of unit investment trust funds (UITF) which require an initial amount of only P10,000. But what’s a UITF?

Unit Trust Investment Funds “pool the funds of investors to create a large fund which, under the watchful eyes of professional fund managers, can productively harness these funds, taking advantage of economies of scale,” according to Banco de Oro. Thus, even individuals can access investments usually just available to big investors. UITFs are also heavily regulated by not only the banks offering the fund, but also by the Bangko Sentral ng Pilipinas, protecting investors.

UITFs are medium- to long-term investments that have historically better earning options over a long horizon than traditional deposit options, so if you can afford to leave your money in a UITF without having to withdraw from it for a long time, it can be a good option for you in the long run. For example, if you had invested in Security Bank’s Peso Asset Variety Fund on January 1, 2014, these are the kind of returns you could be expecting (disclaimer: values from Security Bank’s UITF calculator. The investment value is only indicative of the value of investment as of a certain date. However, for redemption, please note that the net asset value per unit (NAVpu) will be not be known until the end of a certain business date.)

Initial investment	3 months	4 months	5 months	6 months
P10,000	10,819.98	11,143.67	11,098.78	11,341.81
P15,000	16,229.96	16,715.50	16,648.17	17,012.71
P20,000	21,639.95	22,287.33	22,197.55	22,683.61
P25,000	27,049.94	27,859.17	27,746.94	28,354.52

That’s an ROI of 13.42% over six months, which you can’t get with your regular savings accounts. Again, this is just an example, so please consult with your bank first to determine which fund is right for you.

East West Bank also offers the Infinity Peso Intermediate Term Bond Fund, another UITF which requires an initial deposit of P10,000. It’s a low-risk venture, because the money will be invested primarily in government securities and investment-grade corporate bonds. This is ideal for investors with a long-term investment horizon.

Health

For under P20,000 annually, you can avail of Maxicare’s MyMaxicare SIlver Plan, so if you don’t have health insurance, you could easily get it. For example, according to Maxicare’s Quick Plan Computation, a 30-year-old applying for the Silver Plan, with dental coverage included, would pay P17,083.00 annually. You can check the Quick Plan Computation for the fees you would have to pay at your age (and whether you want dental coverage or not), which you can set annually, semi-annually or quarterly according to your needs.

Benefits include emergency care, annual check-up and preventive care benefits. The Silver tier allows for semi-private room and board for hospitals, with a maximum benefit limit of P60,000 per illness per year.

Medicard’s Plan 2500 is another healthcare option, with a P15,876 annual fee. Hospitals include Asian Hospital and Medical Center, St. Luke’s Medical Center-Quezon City, The Medical City and Cardinal Santos Medical Center.

Business

For as low as P15,000, you can own a siomai business. Shanghai Siomai has dealership packages that start with a one-time P10,000 dealer registration fee and a minimum order of P5,000 worth of siomai ingredients. Consult their website for details.

P20,000 can also get you started in owning your own rice business. Bigasanko.com, a rice distributor, wholesaler, and retailer, requires that amount as an application fee, which can be deducted from the down payment.

Before investing in a business, make sure you’ve done your research and have a plan for profitability.

Education

If you want to build up your management skills, the Advanced Managers’ Course at the UP Institute for Small-Scale Industries can help you. The 10-day course, which you can take over 10 Saturdays and costs P18,000, focuses on leadership, innovation, technology, environment, people management, strategic management, risk management and customer relations management. Ideally, you should already have attended other management courses or been in a managerial position, though this is not required. Check the schedule to see if you can enroll.

Or maybe you’re looking for a raise and want to improve your negotiation skills before you go to your boss. For P10,800, Ateneo’s Center for Continuing Education offers Negotiation Skills: Deal or Deadlock, which will teach you when to negotiate, how to implement your negotiation plan and counter others’ tactics, and develop the core skills of a good negotiator.

Self-investment

What better way to invest your P20,000 than in yourself? Taking lessons and learning a new craft is a good way for you to grow your skillset and expand your career options, or just make your life better. So if you want to start your own bakery, for example, or want to level up your skills in making pastries and desserts, take a look at the 5-Day Pastry Boot Camp at Enderun Colleges. This intensive 30-hour class will teach you how to make sponge cakes, choux pastry, chantilly cream, and more bakery staples. When you’re done with the course, you can use your new skills and techniques to start your artisanal bakery, or bring new desserts to family gatherings.

You could also beautify your home or workspace by learning more about interior design. The Interior Styling workshop at the School of Fashion and Art (SoFA) Design Institute, for P10,000, is an 8-week course which helps you develop an understanding and appreciation of color, pattern and furnishing, and how these can improve interior spaces, whether they be residential, commercial, or institutional.

Do you have any ideas for what else to do with P20,000?

The post 5 Investments You Can Make With P20,000 Or Less appeared first on iMoney.ph.

Courtesy from Yahoo!

Hoy! Lugaw in Dumaguete City

It's been a very busy day in the office and after all thez bunch'av work, we took Li'l time with each other,  I and my wife decided to stroll around the city and bought some Mangosteen fruits and it was so good. In a while as were able to stop at "HOY LUGAW".  
Hoy Lugaw offers a wide variety of noodles, congee, mami meals and off coarse variety of Lugaw styles. That's why we got curious of what is the bestseller. We decided to take the Chicken Lugaw with Siomai as one of their specialty. Aside from the name that caught my attention, I was also amazed with the uniqueness of their chairs that are made of pots. It was really customized and the ambiance is really for everyone...so relax and simple. 

However, if you want to just stay indoor, you can also use the couches inside but you will not enjoy the beautiful scenery outside. We enjoyed our time, talk, laughs, eat and chikka together. We cannot replace the value of being together.

The Love Of Money The Root Of All Kinds Of Evil?

Many People asked: "Why is the love of money the root of all kinds of evil?"

Answer: The Apostle Paul, in his first letter to his young disciple, Timothy, had this to say: “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs” (1 Timothy 6:10). Now this verse is often misquoted as saying, “Money is the root of all evil.” Notice how “money” is substituted for “love of money” and “the root of all evil” is substituted for “a root of all kinds of evil.” These changes, while subtle, have an enormous impact on the meaning of the verse.

The misquoted version (“money is the root of all evil”) makes money and wealth the source (or root) of all evil in the world. This is clearly false. The Bible makes it quite clear that sin is the root of all evil in the world (Matthew 15:19; Romans 5:12; James 1:15). However, when we reflect upon the correct citation of this verse, we see that it is the love of money, not money itself, that is a source of all different kinds of trouble and evil. Wealth is morally neutral; there is nothing wrong with money, in and of itself, or the possession of money. However, when money begins to control us, that’s when trouble starts.

10 Mistakes During Job Interviews

 

Photo by: Adam Gregor

Did you know the decision to hire is made in 15 minutes or less? Scary, huh? With that in mind, Cosmo surveyed human-resource pros to find out which job-hunting sins you may be making.

1. You Say, "This Is My Dream Job"
Even if you mean it, 69% of recruiters will brush that off as an insincere cliché they've heard way too many times before. Ban the bogus phrases "I think outside the box" and "I'm a team player" from your vocab as well, and come up with your own way of describing how much you rock.

2. You Trash Your Old Boss
Even if your old supervisor makes The Office's Michael Scott seem like the smartest person alive, you'll be the one who looks bad if you dis him or your former company. It's kind of like the whole "I'm rubber and you're glue" concept you heard about in grade school. Ninety-five percent of recruiters agree that when you talk smack in an interview, it sticks with you.

12 Ways to Get Rid Of A Bad Mood

Tips to improve your mood

Beating a bad mood is not easy, but the only person that can get you out of the bad mood is yourself! Here are a dozen mood tips to drag yourself out of your foul mood and into a more positive frame of mind.

We've all been there: something annoying or frustrating happens and as a result we spend the rest of the day in a foul mood. And the additionally frustrating thing is, someone can often know they’re in a bad mood, but be unable to snap out of it.
However, you and others around you don’t have to put up with those foul moods; instead, you can do something about them. By following our top 12 tips to beat a bad mood, you will be able to deal with your bad mindset in a number different ways — so if one doesn’t work, another one will!

Bad mood tip 1: Talk about what has put you in a bad mood

If you are in a bad mood, then there’s obviously a reason for it. Pinpoint why you’re in a bad mood and, if you can, talk to a friend about it. Simply talking about your problem with someone will make you feel many times better. After all, what they say about ‘a problem shared is a problem halved’ rings very true. But if you can’t talk to a friend, try going outside and letting out a mighty scream or having a good cry. Remember that bottling it all up will only darken your mood — so let it out!

Bad mood tip 2: Beat a bad mood with exercise

Exercise is a great way to get you out of a bad mood. If you can make yourself do some exercise, you will reap the benefits. Exercise releases endorphins, which are chemicals in your brain that make you feel good — so by doing some exercise you will automatically make yourself feel better. A game of squash could be a good option, as you’ll be able to take your bad mood out on the ball. On the other hand, if you take your sport too seriously and are a bad loser, then a non-competitive form of exercise may be the best way to go.

Bad mood tip 3: Eat chocolate to make you feel better

It’s amazing how many people instantly reach for their favourite chocolate for comfort if they are feeling low. It’s probably not a bad thing to do, though, as chocolate is known to be responsible for positive mood-lifting effects due to the release of serotonin, the brain’s natural pick-me-up. If you find that chocolate does the trick for you, then a little of it can be no bad thing. However, if you’re the sort who ends up with pang of guilt, then it’s best that you give it a miss.

Bad mood tip 4: Think about less fortunate people

If you’re in a really bad mood, it may be because you think everything is going wrong for you. What you need to do in this case is to regain your sense of perspective on life. Take a stroll, maybe in your lunch time, and have a look at the people around you. Chances are you’ll probably pass by at least one person who would probably settle for your problems and a roof over their head. Or you might see someone disabled or elderly struggling to get into a shop. If you can, get a sense of perspective — then things may not seem so bad after all!

Bad mood tip 5: Beat a bad mood by blasting out some 'positive' music

Everybody has some favourite tunes to listen to, from rousing classical music compositions to bouncing pop tunes. Listening to one of your favourite tracks — such as one that you associate with a happy time in your life — will help draw you out of your bad mood. And why not go one step further by belting out your favourite tune at the top of your voice? You could even do this if you feel yourself being drawn into a bad mood while stuck in traffic — as long as you don’t mind being a source of amusement to other motorists.

Bad mood tip 6: Get more light to improve your mood

At certain times of the year — particularly around winter — the lack of daylight hours can have a negative impact on your mood. Some people even get seasonal affective disorder (SAD), which is even worse. Whether or not you get SAD, it’s always good to get more light into your life. You could try to get out more during daylight hours, as this is known to improve mood — and you might also want to add some additional lighting and brighter colours into your home.

Bad mood tip 7: Take time out to improve your mood

Give yourself a chance to blank out all your negative thoughts by taking a few moments out and doing something different. For example, take half an hour out to have a soak in the tub — it can work wonders and help soothe both the body and mind. And why not get some candles out and have a glass of wine at the same time? If you’re in a bad mood, it’s sometimes good not to be around other people until you have got it out of your system. If you stay around people, you may cause a ruction which will, in turn, add to your bad mood.

Bad mood tip 8: Avoid people who put you in a bad mood

It might seem obvious, but there are people who just have an ability to put you in a bad mood. Okay, so some situations can’t be avoided — for example a work colleague or your boss — but there will be others in your social life who you can avoid. Some people can drain you and leave you in a bad mood — including some people who you are friends with! It’s best to avoid these people when you can — or at least keep your contact with them to a minimum.

Bad mood tip 9: Make contact with positive people

The flipside of avoiding negative people is making contact with positive ones. There are some people out there who have a very positive influence on us. They are the sort you probably never argue with, or the type of people that have you cracking up with their sense of humour. It may be that you’ve lost touch with them recently, so why not look them up and give yourself a boost. Don’t be waiting for them to make the first move — do it yourself. Surrounding yourself with positive people will have a positive effect on your mood.

Bad mood tip 10: Get a pet to help your mood

Studies have found that pets can actually help us feel better. For starters, animals do some pretty funny things at times, which will help to make you laugh. Even stroking a pet is known to lower heart rate, making you calmer. And if you get yourself a dog that requires plenty of walks, this will mean you get some exercise and daylight — which will further enhance your good mood.

Bad mood tip 11:  Think happy thoughts

If you can take yourself back to a time when you were happy, then this will instantly fill you with happy thoughts. If you need a prompt, why not dig out some old photographs of great times that you’ve had? Being in a bad mood is avoidable if you rid yourself or intruding bad thoughts and replace them with good ones. It really comes down to choice — choose to think of unhappy thoughts and you will be unhappy, and vice versa. People are only as happy as they allow themselves to be!

Bad mood tip 12:  Try to avoid worrying

Worry is one of the major causes of unhappiness — so eradicating it will definitely improve your mood. The simple answer is to stop worrying — after all, worrying doesn’t actually help in any way at all. If it’s something that you can deal with at the time, then do it, and hopefully that will end the worry. If you can’t deal with it at that moment in time, then think of potential solutions and be optimistic rather than worrying excessively about a problem.

A final word about improving your mood

Anyone can become more upbeat and optimistic just by using some of the techniques mentioned above. When you try some of them, you will inevitably feel a burden lift off your shoulders and become more positive.The key to it all is an optimistic outlook. Accepting that bad moods are an inevitable part of life can immediately lessen the impact of a bad mood — and having an optimistic outlook means you’re more likely to actively look on the bright side.

Courtesy of RealBuzz.Com

The Story of a Blind Girl

There was a blind girl who hated herself just because she was blind. She hated everyone, except her loving boyfriend. He was always there for her. She said that if she could only see the world, she would marry her boyfriend.

One day, someone donated a pair of eyes to her and then she could see everything, including her boyfriend. Her boyfriend asked her, “now that you can see the world, will you marry me?”

The girl was shocked when she saw that her boyfriend was blind too, and refused to marry him. Her boyfriend walked away in tears, and later wrote a letter to her saying:

“Just take care of my eyes dear.”

This is how human brain changes when the status changed. Only few remember what life was before, and who’s always been there even in the most painful situations.

Life Is A Gift

Today before you think of saying an unkind word–
think of someone who can’t speak.

Before you complain about the taste of your food–
think of someone who has nothing to eat.

Before you complain about your husband or wife–
think of someone who is crying out to God for a companion.

Today before you complain about life–
think of someone who went too early to heaven.

Before you complain about your children–
think of someone who desires children but they’re barren.

Before you argue about your dirty house, someone didn’t clean or sweep–
think of the people who are living in the streets.

Before whining about the distance you drive–
think of someone who walks the same distance with their feet.

And when you are tired and complain about your job–
think of the unemployed, the disabled and those who wished they had your job.

But before you think of pointing the finger or condemning another–
remember that not one of us are without sin and we all answer to one maker.

And when depressing thoughts seem to get you down–
put a smile on your face and thank God you’re alive and still around.

Life is a gift – Live it, Enjoy it, Celebrate it, and Fulfill it.

Author: ~unknown~
Love, Blessings & Peace ♥

Don't Judge A Person By Their Looks

Clothes are everywhere.
You may not be interested - or they may be the most important thing in your life - whether you're a fashion-concious kind of person, or a I-Really-Don't-Give-The-Foggiest-About-Clothes kind of person, everyone wears clothes. Otherwise we'd be going around a little like this..

That's an image from the story; The Emperor's New Clothes.
We don't want that.
So whoever you are, you wear clothes, whether you like it or not. Over the past 100 years, fashion has evolved. It's gone from...

To this...

To what we typically have nowadays...

Everyone has different styles - some may prefer a more laid back jeans and a t-shirt look, whilst others like the prom dress and converse kind of style.

My style's quite quirky. I'm the sort of lacy dress plus boots girl, the jeans and a lacey top girl, I don't dress to impress, and my style's different to other people. I don't wear make-up, but out and about you'll see lots of people that do.

Now, let's look at how make-up has evolved.

So that was Victorian. We can see very simple lipstick, and not much else.

Then let's take a look at around 1950ish...

We can now see a more shiny, red lipstick, plus eyeliner and mascara. 

Finally, modern days...

We can see bright lipstick plus gloss, blusher, foundation, mascara, possible falsh eyelashes, eyeliner, eyeshadow and so much more.

So, you see, the world's fashion and make-up has changed drastically. Everyone has a different look, something that defines them as unique, something that makes that person who they are.

Clothes are an expression of who you are. A hint into your mind, your feelings, who you are. A person can be completely guessed by their clothing. People are obviously judged by what they wear on their faces and bodies. Let's take a look at the image below. Who do you percept this person as from what they wear?

We automatically think - black hoodie - dodgy. We don't know anything about this boy. He could be anyone - there could be a perfectly rational reason why he's wearing this hoodie - but clothes and make-up send messages to our brain, like with this boy - trouble. Let's take a look at another picture.

From this picture we see glasses, braces, cheesy smile, white shirt, no make-up and pigtails. We think geek, clever girl with no social life. Am I correct? 

So, you see, perceptions of characters and personalities are judged on all sorts of things, looks particularly. What you wear makes a big impact on what people think of you, like it or not. Nowadays, what people see is what they expect to get. A blonde girl? She's an idiot. A boy with long-ish hair, who sings and hangs out with girls? Automatically Gay. A girl who wears black? Emo who self harms.

The blonde girl could be an A* student at Oxford - it just so happens she has blonde hair.

The boy who's apparently gay could be the next big superstar - maybe girls just understand him more than boys who tease him.

A girl who wears black could be mourning the death of someone she loves most, or maybe black's just her way of expressing herself.

The message I'm trying to get across to you is this; Don't judge a person by their looks.

BEST QUOTES:
"Judging a person does not define WHO THEY ARE,
It defines WHO YOU ARE." 

Courtesy from: ORLI

Top 7 Money Saving Motivations

No one says no to a bulkier bank account, so say a big “hello!” to our list of money saving motivations. In the current economic climate many of us are feeling the pinch, so here are seven handy ways to boost your bank account:

Money saving motivation 1: Create a spreadsheet

Instead of constantly trying to work things out in your head and making rough estimates on how much money you have left for the month, make things a whole lot easier by creating a spreadsheet.  At first glance, these can seem a little daunting but it’s really easy once you get used to it and there are many free spreadsheet websites online which work out all the sums for you. By having your outgoings on a list in front of you, you can identify what you’re saving on and what you perhaps need to cut back on. 
Money saving motivation 2: Avoid shopping when you’re feeling emotional... or hungry

You’re feeling a little down in the dumps but you need a new work shirt... bad idea. Turn around, get back inside the house, lock the doors, and ask someone to hide your keys right now—if you’re feeling emotional there’s a high chance you will end up splurging on stuff you don’t really need to give you a quick happiness boost. After spending five minutes looking for a shirt, you return with a few tins of paint to re-vamp the house, a new wardrobe of clothes, and a mop for the kitchen floor, but the new work shirt is nowhere to be seen.
Whilst these spur-of-the-moment purchases may uplift your mood for an hour or two, the initial high will soon wear off and you’ll be left feeling worse as you realize you’re left with nothing more than a few bargains and an empty bank account. For a thriftier approach to shopping, go when you’re in a pretty good mood and—whatever you do—don’t shop for groceries when you’re hungry.
Money saving motivation tip 3: Surround yourself with exciting hobbies and positive people

Rather than spending money on takeaways and meals out to cheer you up after a long hard day, identify other things you like doing that will boost your mood instead of spending money. Arrange some fun things to do with family and friends around your house or take up a new hobby such as gardening or crafts. We often end up spending more when we’re bored, emotional, and/or lonely so plan a film night with your family or buy a few ingredients from the grocery store and try cooking something you’ve never made before.
Money saving motivation 4: Save little and often
It’s a common mistake to think that you can’t start saving because you don’t have much money, but that’s like saying you won’t go on that one-hour run because you don’t have the whole day off to exercise—it’s counterproductive and unrealistic. Experts advise that the best way to boost your bank balance is by taking the ‘little and often’ approach to saving. Rather than putting a lump sum of your month’s wages into a savings account and leaving very little to live off for the rest of the month, just put a small amount away as often as possible and the money will mount up without you even noticing it. The more you see your bank balance rising, the more you will want to keep adding to it. Go on, try it—it’s addictive.

Money saving motivation tip 5: Put some money aside for pleasure
It’s important to treat yourself occasionally to avoid getting frustrated and spending all your savings at once, so make sure you include a little “happy time” money in your budget to treat yourself every now and again. Do you want a new television for the living room? Save up for one. Fancy a small break somewhere nice? Save up for it. Once you’ve saved up for something and reached your target amount, you’ll feel much better than you would if you spent money that you didn’t really have in the first place.
Money saving motivation 6: Read a finance blog or make your own
Personal finance blogs are becoming an increasingly popular form of inspiration for many people; they can encourage you to save and adopt good financial habits in the process. It’s also really interesting to take a sneaky peak into the lives of other people and see what they enjoy the odd splurge on. If you’re feeling really brave, you could create your own finance blog to share your own tips and advice with others. This will not only help you to network with other people in the same financial mindset as you, but it will encourage you to save more so that you can feel extra proud of yourself when you share how well you’re doing with others.
Money saving motivation 7: Get support
If you’re really feeling the pinch and you need advice, don’t feel ashamed to seek support from others. You may feel like a little fish in a big pond when it comes to finances, so seek advice from a financial expert who will have a lot of experience dealing with problems like yours. Your financial adviser will come up with a realistic plan to help you sort out any money difficulties

 Courtesy from Yahoo Article

How to Become a Millionaire Before 30

So your ambition in life is to be a millionaire before you turn 30! Fabulous.
It’s a great ambition. It is not difficult, but it is not that easy either, as you might very well know. There are many routes that people take to become a millionaire – betting on horses, gambling, investing in real estate, winning a lottery, becoming an entrepreneur. Some rely on luck while some work hard for it. Luck is fleeting, rare, but hard work pays, hundred percent. So, how do you become a millionaire? Here’s how:

Earnings from your job

Obviously you need a steady stream of income to build your million. The more money you earn, the quicker the journey to your milestone will be. But that doesn’t mean you can get there on a Government salary. It has to be substantial.

Know your limits

You have to know your limits. You obviously cannot spend more than you make. That’s a financial suicide. If you can’t afford to buy that Sedan, don’t. Buy a hatch. If you can’t afford to eat at fancy restaurants, start cooking at home. If traveling by your vehicle is expensive, switch to public transport. You don’t have to turn into a pauper, just practice smart living. Quit getting magazines you don’t read; get rid of the internet connection if you don’t use it that often. You use it at work anyway. Switch to prepaid connection if you’re on a postpaid mobile plan. Get rid of that credit card so you never get tempted into buying stuff on an impulse. When you shop, shop in bulk. Quit buying the newest gadgets. Basically, live a lifestyle that you can afford.

Save Money

Just making money won’t suffice. You need a savings plan. Don’t leave it for too late. The longer you save the more money you will end up with. Don’t think of saving after you’ve paid all your bills. Set aside a percentage of your salary every week or every month and put that money into a separate account and refrain from getting an ATM card. That way you will think twice before withdrawing money.

Make good investments

Make sound investment decisions. Listen to news, read the papers, talk to knowledgeable people and seek their advice on investments. You can even seek services of an investment agency. Invest in a diversified portfolio and be consistent. Maybe a systematic investment plan or SIP. You can even look at mutual funds, stocks, shares etc. Make sure you have the ability to take risks because you will win some and you will lose some. Buy land or gold or flats if you have that kind of cash. It will appreciate over a period of time and you can sell it off later to make a good profit.

Start your own business

You can turn into an entrepreneur even, investing your money into growing your business. If the idea is good and you’re a good manager, you will be able to make quite a bit of money. Always keep looking at avenues to increase your income.

Your hobby could make you rich

If you have a hobby like stamp collection or comic books collection (in mint condition), antiques or original paintings, or any collector’s items. They could fetch a great amount if you decide to auction them.

Get married

By marrying a working woman, you not only double your salary but also your savings.
Becoming a millionaire is not easy, or else all of us would be one. It is tough. It needs planning and perseverance. If you’re willing to put in hard work over a period of time, you will be rewarded.

Courtesy from  Yahoo article  

HAPPY FATHER'S DAY

To All FATHERS, we may all have the courage to face all the challenges that we may encounter as we lead our family to do righteousness and stand up if we fail on our way. We must fight with a better cause. HAPPY FATHER'S DAY.

The Health Certificate Requirements in the Philippines

Guidelines and Fees on Securing a Health Certificate

Article 30, Section 132 of the Quezon City Revenue Code, as Amended states:
"all persons employed in business establishments engaged in food, entertainment and personal services are required to undergo medical and physical examination given by government hospitals,medical clinics and those private hospitals and medical clinics that may be accredited for the purpose..."

To get your HEALTH CARD from the City Health Department
Requirements for first time applicants:
a) Get your Order of Payment and pay (Php ---.--) for your Helth Card at the City Treasurer's cashier.
b) Submit for laboratory examination, your stool and sputum specimen and get the results. The stool and sputum specimen can be submitted to the City Health Department or to any accredited laboratories
c) Attend an HIV/AIDS seminar
Schedule yourself in any of the 5 sessions held everyday, five days a week

9:00 AM
10:00 AM
11:00 AM
1:30 PM
3:00 PM

d) Get your picture taken at the Health Department for your Health Card e) Get your Health Card

...

Companies can request to:

• Have their employees' stool and sputum examination done at any accredited laboratories 
• Have their HIV/AIDS seminar done for their employees at their company premises.
• The City Health Department will send the lecturer(s) at the agreed upon schedule.
• Submit their employees' photos for their Health Card. If the photo-taking is not done at the Health Department, the ID provided will be a "white" Health Card, and not a self-laminated card This card is good only for one year, while the self-laminated card has provisions for 3 years use.

---

*My Personal Opinion


I don't know for some reasons, why other City Health Department requires exclusivity of having the stool and sputum specimen RESULTS should be from their own Laboratory & they will not accept results from other private laboratories. Although these private laboratories has also accreditation from DOH and is licensed and professionals. In fact, its more cheaper service fees than the other City Health Department. I have a friend who is newly hire from a prestigious Fast Food Company and has a requirement to submit a medical examination (CHEST-PA X-RAY, HEPA-A, URINE, & STOOL) and also a HEALTH CARD issuance from the City Health Office. of course my friend is looking for a laboratory where he could save and desired to have at least discount. He was referred indeed to a private laboratory and were able to have a discount privilege. After getting the result, he went to the City Health Office for Issuance of his Health Card, unfortunately, the results of the STOOL and  URINE was not accepted and were advised to  have another test (Stool and Urine) in their laboratory in which my friend has no choice to pay again and was more expensive than what he paid to that private lab as mentioned earlier.

• Is there any difference between Private Lab and Government Lab results...?
• Is this how we help the less fortunate Filipinos?


We Filipinos should help other Filipinos to succeed especially the less privilege people.
 

COKE VERSUS MENTOS EXPERIMENT

Last week a little boy died in Brazil after eating MENTOS and drinking Coca-Cola / PEPSI together. One year before the same accident happened with another boy in Brazil . Please check the experiment that has been done by mixing Coka-Cola (or Coka-Cola Light) with MENTOS.
So be careful with your self eating MENTOS (POLO's) and drinking COCA-COLA or PEPSI together.
CHECK THIS OUT...    

JUST IMAGINE HOW IT WILL BE IF IT HAPPENS IN OUR STOMACH


PLZ PASS THIS INFORMATION TO AS MANY PEOPLE AS POSSIBLE SPECIALLY TO THE CHILDREN. BECAUSE IN OUR COUNTRY MENTOS AND COCA-COLA BOTH ARE VERY POPULAR with THE CHILDREN.           

Personality Profile - Taurus April 21 - May 20

Taurus is a Fixed Earth sign, ruled by Venus.  As the second sign in the zodiac, the Taurus individual is a stable, conservative, home-loving individual who will always make a loyal friend or partner.   Famous and historical figures sharing the Taurus traits include Ulysses Grant (April 27), Harry Truman (May 8), George Clooney (May 6), and Audrey Hepburn (May 4). 

The Taurus personality is one of the most easily recognizable of the zodiac.  These are steady, reliable people who only rarely get frazzled or upset.  Like a bull, the Taurus personality will almost never lose course and will remain level no matter what chaos surrounds him.  Taurus knows his own strength but usually handles situations with dignity and self-control.  Push him too far, though, and the Taurus individual can suddenly turn into a raging bull, and once this happens, he will be difficult to calm.  And oh yes, lest we forget, the Taurus individual is stubborn - the most stubborn of all the zodiac signs.  Once he forms an opinion, he is immovable, and nothing will change his mind.   Taurus likes the good life, but tends to be careful with money, slowly building up wealth as he goes.  Not all Taureans are rich, but you won't find many at the very bottom of society. 

For those with a Taurus child, one thing to remember from the start is that you will never, ever be able to steer this child in a direction in which he does not want to go.  This is a sturdy child with a good appetite - sometimes too good.  Watch out for overindulgence with this kid.  When young, the Taurus child may be prone to fly into rages over little upsets, and these will have to be handled with quiet logic rather than force, or the situation will quickly spiral out of control.  Taurus children will generally obey the rules and will follow a steady course in school., usually somewhere in the middle of the class.  The child will appreciate comfortable surroundings in his bedroom and consistency in his schedule.  Don't rock the boat by changing things around too much in the Taurus child's domain.  Encouraging social interaction is good for the Taurus child, as he is quite comfortable being alone, and will generally not seek out friends and playmates on his own.  There's a definite selfish trait in these children, so teaching sharing and concern for others from an early age is essential.  These children like material possessions from day one, so provide as many quality toys as possible, and you will have a happy child who does not get lonely or need excessive attention.  Watch out for a lazy streak in the Taurus child - they may be slow to walk or crawl,  and they may be content to play in one spot in their room for long periods.  Find stimulating activities to get this child out of his chair, as he probably won't motivate himself in this respect.

Adult Taureans in the workplace are the ones with neat, well-appointed, comfortable offices that never change much.  These folks handle tasks steadily and confidently, rarely complaining or getting into a tizzy about minor setbacks.  They are reliable, focused, practical, and usually right on time.   They won't turn out work in record time, but rather will just make steady progress until the given task is completed.  They are honest and forthright, and are usually well-regarded and well-respected by their colleagues.  Employers love the Taurus individual, because they are dependable, work hard, stay late if necessary, and never complain.  Taureans tend to keep jobs for a long time - often for life -  because they hate change.  Many are business owners themselves, and good ones at that because of their steady, stoic personas. 

If you have found a romantic partner in a Taurus, you have a sensual, luxury-loving, loyal lover.  Don't expect anything spontaneous out of the blue from your Taurean, but you can definitely expect a nice gift to come right on time on every birthday or anniversary.  Taurus will take courtship and dating slowly and methodically, and there is nothing you can do to speed them up, but once committed, they will stay committed through thick and thin.  Taurus is loyal, sometimes to extremes, and they expect the same of you, so don't play games under any circumstances.  Taurus will usually assume the lead in partnerships, so a willingness to be flexible is a must with this sign.   

The best matches for Taurus for sure are Virgo and Capricorn, but Pisces, Cancer, Aries, Gemini, and another Taurus may work for some too, depending on the individuals.  The polar opposite for Taurus is Scorpio, and this match can work, but is likely to be a stormy one.

Taurus in any relationship is stoic, stable, and dependable.  These are the folks we go to for support. when we are in a crisis.  However, as the most stubborn sign in the zodiac, you will find that your Taurus friend can often be maddeningly inflexible and unable to see any view but his own.  However, if you can avoid those types of situations, the Taurean friend will be a loyal one who will enjoy nights out on the town in nice bars and restaurants, and who is good with his hands and will be willing to help with any tasks you are unable to do yourself.  His house and yard will be well-appointed and comfortable, and he will likely be well-set financially, if not overtly wealthy.  Just remember, that with Taurus, the by-words are stable and reliable, and you can hardly go wrong by choosing a Taurus friend!

Respect Yourself

Having respect for others is difficult if you have no respect for yourself. The idea of self-respect is very closely related to self-confidence, but respect is more about what you do whereas confidence is about how you feel. The two go hand-in-hand. This principle will focus on how you can demonstrate respect for yourself. Odds are, when you do these things, you'll find your confidence increases as well.


Think about what it means to respect someone. The qualities that we respect vary from person to person, and the way we express it varies from culture to culture. Generally, we respect people who have more experience and are more accomplished than ourselves. But there is also a basic level of respect that most people will agree is a right, and does not need to be earned. Consider what that kind of respect (which we'll refer to as basic respect) entails. Here are some widely agreed upon signals of respect:

• You don't steal from, harm, or insult them.
• You are honest with them.
• You listen to what they say, consider their opinion, and avoid interrupting them.

Practice basic respect towards yourself. Whatever you believe to be respect, apply it to yourself. Don't harm yourself. Don't insult yourself. Don't steal from yourself (like recklessly putting everything on credit; you're essentially taking money from your future self, because you'll have to pay up eventually). Be honest with yourself. And develop your own opinions. See How to Be a Skeptic and How to Think for Yourself.

Recognize when people disrespect you, and take steps to stop it. A person with self respect doesn't allow others to treat them badly, and would rather not associate with someone who is disrespectful. This might seem obvious, but there are many times when we accept being treated badly (in both big and small ways) because we believe the person doesn't know any better, or because we're not willing to let that person go, or because we're too down on ourselves to believe we deserve better. When someone doesn't give you basic respect, you need to be able to say, in one way or another, "You just disrespected me and that's not acceptable to me. If you don't respect me, I won't spend time with you anymore." Can you say that, and mean it? Can you turn your back on someone who's clearly shown that they don't respect you? Once you do, you'll feel your sense of self-respect go up.

• How to Recognize a Manipulative or Controlling Relationship - It can be hard to see when a person close to us is being disrespectful, especially if they're subtle and sneaky and it's been going on for a long time.
• How to Stop Being Needy - Many times in dating or friendships we let people walk all over us because we feel needy.
• How to Stop Being a People Pleaser - Paying attention to everyone else's needs but your own is a classic sign of low self-respect.
• How to Practice Nonviolent Communication - When you do confront someone about their disrespectful behavior, try to stick to these communication guidelines.

Take care of your body. A person who neglects their health fails to see how lucky they are to be alive. When you make an effort to keep your body in good working order, you'll not only feel better physically, but you'll also feel a sense of pride. Respecting your body also means not insulting it for what it is, naturally. Don't trash yourself over the things you can't control, like your proportions. Focus on the things you can change and improve, like your BMI. And do it because it feels good, not because you think you're not "good enough" the way you are.

Get to know yourself. The more you understand about yourself, the more you'll see and appreciate how unique you really are, and the more you'll respect yourself. Discover yourprinciples, personality, and talents. Stop pandering to other people's approval and start developing your own standards. Someone else might respect a fancy title, but you might respect creativity. Whose opinion matters more, in this case?

‎18th Philippine Travel Tour Expo

‎18th Philippine Travel Tour Expo, February 18-20, 2011 at the

SMX Convention Center, Pasay City, Mall of Asia