It was almost lunch time when I got a call from my Uncle Santi and telling my grandma that I'll just take my lunch time at their house. I got puzzled and why so an instant he was letting me in. So my grandma told me right away and they let me leave. Just then I got at my uncle's place. After eating my lunch, we waited for my other twin too. It was better that his whole nieces and nephews were present that time. So when my twin arrived, we all got up in my cousin's room, all of us. And then followed by my uncle. He was really expecting us all to be complete so that he could distribute his presents for all of us. (HOW SWEET OF HIM) like he has this huge balikbayan box that contains all our christmas gifts, the shoes stuffs. WOW O.o (big rolling eyes) :D YIPEE! and so there it is..
Saturday, December 26, 2009
My Holiday Breaks... :D
It was almost lunch time when I got a call from my Uncle Santi and telling my grandma that I'll just take my lunch time at their house. I got puzzled and why so an instant he was letting me in. So my grandma told me right away and they let me leave. Just then I got at my uncle's place. After eating my lunch, we waited for my other twin too. It was better that his whole nieces and nephews were present that time. So when my twin arrived, we all got up in my cousin's room, all of us. And then followed by my uncle. He was really expecting us all to be complete so that he could distribute his presents for all of us. (HOW SWEET OF HIM) like he has this huge balikbayan box that contains all our christmas gifts, the shoes stuffs. WOW O.o (big rolling eyes) :D YIPEE! and so there it is..
Monday, December 21, 2009
MONDAY
I just had fixed myself out to my twin sister on whom I fought with earlier this morning and had a little long time before we could calmed ourselves down. And thank God we're back to normal.
I really don't have any thing much in my mind right now. And my mind is in random that makes me become boring and dork. Nevertheless, I just want to say something that will let this feeling throw up.
I guess BLOGSPOT is not so much nice to type to cos of its boring and ugly stuffs. But anyway, this is one of my oldest site so I'd rather cherish this much.
Well. hopefully, maybe tomorrow we could go again to CDO and will buy some good stuffs for this christmas and for loved ones. My tito Santi just came home. Yipeee!!!
Saturday, December 19, 2009
me & twinny..
I had a great day today, me and my twin decided to get some fresh air in the uphill. We overlooked the city and of course we were bitten by bad gangstaah mosquitoes. Nevertheless we enjoyed the adventure we had this afternoon. After which we went to our mom's business and saw this cute lil angel waiting for us to cuddle him up. He was such a cutie and adorable baby, his name is TOY-TOY. hahah, meet my Toy. Ü good night! kinda tired now. God bless you all.
much ♥
Friday, September 04, 2009
Why are they quittin'?
Wednesday, September 02, 2009
???
???
wondering if what i’m going to get someday on my elective subject. I’m still thinking right now, well probably i know God will really let me finish with this. I am actually planning to build my own site though it would still be under the rights of the website maker. But what I am trying to say is that I want to design my sites just like what I did when I was in my fourth year highschool. I made this project for my twin sister.. come and visit this dull site Well, i really wanted to polish this though, but Im starting to forget every steps of the process :( But anyway, I’ll really make time to do it next time. And hopefully by that time I’ll be full in spirits of doing such. ;p something that makes me want to be a WEB DESIGNER someday?Sunday, August 02, 2009
Swollen Eyes (after watching Kris Aquino's interview in the buzz a while ago)
It is too cheesy perhaps for some of you if I say these things right now. I’m concerning about Pres. Cory Aquino’s passing. Well, for somehow that I am just an ordinary citizen and haven’t been known by her. That won’t let me stop from giving my sympathy to her family and of course to the country that she had loved, and i have love now dearly.
I am greatly satisfied to make Pres. Cory Aquino as one of my inspirations to do things and make things better in hand with God’s guidance. I am inspired about how she lingers and clinging always to God with all the circumstances that she has been going through, she had never stopped believing and keeping her Faith in God very firmly.
I adore her simplicity as a woman, and her dignity as a Filipino citizen. She aspires me to become much more liker her, or rather be someone who I am suppose to be in the near future. I wish I could tell her straightly that I want to be like her. I loved how she become strong despite of the calamities that had come her way. And how she kept herself calm in the midst of difficulties.
But I know that all of those came from the sovereignty of our Almighty Father God. And I am looking forward that someday I could also put across to my fellow countrymen to become more true to one another so that we could all gain the promises that we have from God, a prosperous and wealthy country.
And now I understand why we all should say Thank you to a one great woman who led us to freedom, DEMOCRACY. Because of her, we all have a great nights to sleep as we ended our own nightmares from the daytime. Thank you Tita Cory :) I will certainly bring her identity as I go along my journey here in this world. She is one of my role model.
Thursday, May 28, 2009
How to Spend Like a Frugal Millionaire
"How to Spend Like a Frugal Millionaire"
Today's guest post comes from Jeff Lehman, author of The Frugal Millionaires.
Saving thousands while still spending.
Millionaires make up just 2 percent of the population. They get a bad rap during recessions for being wasteful with their money and are frequently used as examples of excess. It's the millionaires that you don't see that you can learn from in times like these. I call them the frugal millionaires and interviewed 70 of them to uncover ways we can all be smarter with money.
Nearly 70 percent of the economy is based on consumer spending. To keep the economy going we need to keep spending but not waste money in the process. This is where the frugal millionaires come in. They've been smart with their money all along and haven't lost it all and had to remake it. These are the kind of people you want to learn from when it comes to spending your money.
Spending philosophy.
Frugal millionaires are unique thinkers when it comes to spending money: 1) they can easily delay their need for gratification when purchasing; 2) they are resourceful in getting what they want by carefully timing their consumer purchases; 3) they make living below their means painless; 4) they don't like wasting anything (especially money); 5) their sense of "self-entitlement" is highly minimized: and 6) spending is OK with them...depending on what they are buying (think: appreciating vs. depreciating assets).
[For more, see, "10 Secrets of Millionaires' Money Management."]
Buying tips.
These millionaires keep more money than they spend, that's why they are rich. Their tactics work for them so they'll work even better for you. Key Point: They don't view shopping as a sport. They shop efficiently and spend their time doing more important things with their lives. Here are their tips that will help you save while spending:
Cars: Buy used (or off lease) fuel-efficient cars, often with "certified pre-owned" warranties. This warranty can be better than a new car, plus the initial depreciation hit is avoided. Drive the car for a long time and never lease it.
Eating Out: Bring half of a meal home to eat later (this also saves the waistline). Eat at happy hours. Bring wine from home and skip dessert. Value food quality over expensive ambience.
Eating In: Eat better and less expensively by cooking at home. Make it a friends and family event. Get your kids involved. Bonus: You can have that extra drink without worrying about getting busted for driving under the influence. Also: buy day-old bread at the best bakery in town and freeze it. Eat oatmeal, because it's the most cost-effective breakfast food. Get a supermarket "club card" and buy food on special. Play the game of trying to see how much of a discount can be saved off the total food bill.
Clothes: When you buy something new donate something used to charity. Buy traditional clothes, but wait for the off-season to acquire them. Go for high quality - not high price. Buy vintage clothing and avoid logo clothing and keep people guessing who the designer might be. Hint: There shouldn't be one!
[For more, read: "Juggling Your Money in the Recession."]
Consumer Electronics: Buy low-end gear that has the basic functionality of the more expensive stuff. Don't be the first to buy new technology. Wait at least one lifecycle so the bugs are worked out. Buy refurbished electronics whenever possible.
Computers: Buy more mainstream computers with proven technology. Select higher capacity hard drives, a decent amount of RAM (the memory that the program runs in) and a cost effective processor. Super fast doesn't always equal super good...unless you are building airplanes or bridges. Laptops are a good compromise between desktops and netbooks. Don't go through the pain of upgrading operating systems on existing computers, it's not time efficient and you will probably go insane trying.
Going green: Being green and frugal go hand-in-hand. Yet frugal millionaires don't readily fall for the trendy green hype machine. They typically buy green if it helps the environment and lowers their costs. They look at the timeframe when a product can pay for itself. They do use compact fluorescent lighting, turn off lights and equipment that isn't being used, monitor AC and heat usage (with programmable thermostats), drive efficiently, live in "right-sized" homes and turn off the water when they aren't brushing their teeth or washing dishes. Because they have trained themselves to not waste money they won't waste anything else either. They get into good habits and keep them going. You can, too.
Wednesday, May 27, 2009
Warren Buffet's words
Well this article was emailed by my aunt in manila a year ago, but I've just checked it only last month while I was polishing my inbox because of so many spam messages that were sent to me from some of my other accounts. And i got tired of checking it because of the flood messages that I received. And so then, day by day as it passes, my email box got looaded and have gone almost to 2k messages because i never deleted anything yet. And so I decided to clear my inbox since I got tons of hours to do it. And there i found my aunt's very inspiring message, actually it was an attached documents cause this was made in a powerpoint presentation. Here it goes..
There was a one hour interview on CNBC with Warren Buffet, the second richest man who has donated $31 billion to charity. Following are some very interesting aspects of his life
He bought his first share at age 11 and he now regrets that he started too late!
Things were very cheap that time
Encourage your children to invest
He bought a small farm at age 14 with savings from delivering newspapers.
One could have bought many things with little savings
Encourage your children to start some kind of business
He still lives in the same small 3-bedroom house in mid-town Omaha , that he bought after he got married 50 years ago. He says that he has everything he needs in that house. His house does not have a wall or a fence.
Don't buy more than what you "really need"
and encourage your children to do and think the same
He drives his own car everywhere and does not have a driver or security people around him.
You are what you are
He never travels by private jet, although he owns the world's largest private jet company.
Always think how you can accomplish things economically
His company, Berkshire Hathaway, owns 63 companies. He writes only one letter each year to the CEOs of these companies, giving them goals for the year. He never holds meetings or calls them on a regular basis.
Assign the right people to the right jobs
He has given his CEO's only two rules.
Rule number 1: do not lose any of your share holder's money.
Rule number 2: Do not forget rule number 1.
Set goals and make sure people focus on them
He does not socialize with the high society crowd. His past time after he gets home is to make himself some pop corn and watch Television.
Don't try to show off, just be your self and do what you enjoy doing
Warren Buffet does not carry a cell phone, nor has a computer on his desk.
Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did not think he had anything in common with Warren Buffet. So he had scheduled his meeting only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill Gates became a devotee of Warren Buffet.
His advice to young people:
"Stay away from credit cards (bank loans) and invest in yourself and Remember:
Money doesn't create man but it is the man who created money.
Live your life as simple as you are.
Don't do what others say, just listen them, but do what you feel good.
Don't go on brand name; just wear those things in which you feel comfortable.
Don't waste your money on unnecessary things; just spend on them who really in need rather.
After all it's your life then why give chance to others to rule our life."
"The HAPPIEST people DONOT necessarily have the BEST of all.
They simply APPRECIATE what they find on their way”
Let us choose the way to live...
Bad feeling...
My classmate was right when we had our conference chat with my other classmates. She said, "Because you guys were'nt serious". That made me feel astonished, since she has the point even if she withdrawn it and took back what she have said. Because she sensed that I was included to her statements. And the fact that I am a girl, and should a girl must be responsible enough to do the things in order, as what is prioritized.
I know that I am to blame. I wasted my parents' effort to send me to school and to spend money to pay. In the end, I was not doing it right. And I flunked everything.
I am a person who is always believing that I can do everything even though I know how much my capacity and ability. But that doesn't stop me, cause I believe that there's no hard if you try rather, there's nothing we could ever do if we wont just try. And that's what I am standing for. And perhaps, in every business that i've started I want to finish it. Even how much I needed to hurdle.
And now," parang wala na talagang ibang paraan upang maka pag patuloy parin ako sa aking na umpisahan. Ngunit gano'n paman, ipinagkakatiwala ko sa Maykapal ang lahat. Dahil alam ng Panginoon kung gaano ko ka gusto na maka tapos sa kurso na pinili ko. At sana'y magtagumpay ako! Laban na kung laban, Siya na ang bahala sa akin."
Sunday, May 24, 2009
I am so nervous
I know that i wasn't really doing my best or gave my best. But what i know is that, every single thing that i am on, im working on it seriously but that depends on my ability and capacity. Nonetheless i knew to myself that there are things that are very difficult and I have no confidence if i could ever make it.
But instead, I didn't end up a word but still I face the challenge. Neither that i know, I can do it "pala".
My aunts and uncles that are side of my mom are the ones whom i made challenge for. I know that i could never be like them such as very smart and intelligent. And are gifted with great knowledge.
I know that in myself God had already planted something inside of me. And yet, i haven't harvested it. But anyway, i know there'll be a right time for it.
Anyway, my nerves are vibrating and i feel how it beat up. I pray that we all could pass this challenge and trials that we are now facing. God is with us!
Sunday, May 17, 2009
What a Sad morning :(
-just need to sleep 'em all.