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Showing posts from 2010

The Mayonnaise Jar and 2 Cups of Coffee

When things in your life seem almost too much to handle, when 24 hours in a day are not enough, remember the mayonnaise jar and the 2 cups of

A professor stood before his philosophy class and had some items in front of him. When the class began, he wordlessly picked up a very large and empty
mayonnaise jar and proceeded to fill it with golf balls. He then asked the students if the jar was full. They agreed that it was.

The professor then picked up a box of pebbles and poured them into the jar.
He shook the jar lightly. The pebbles rolled into the open areas between the
golf balls. He then asked the students again if the jar was full. They agreed it was.

The professor next picked up a box of sand and poured it into the jar. Of course, the sand filled up everything else. He asked once more if the jar was full. The students responded with an unanimous "yes."

The professor then produced two cups of coffee from under the table and
poured the entire contents into the jar effect…

Invest young, retire young

Young investors have a huge advantage that will allow them to secure their financial future without much effort. There are basic lessons that will help secure your future and allow you to have more fun now.

In order to be financially prepared, it is important they start investing while they are still young and avoid financial pitfalls that plague many of their peers. This requires they learn the basic financial education skills so they are financially prepared.

Have fun and retire young by following these simple steps.
Invest Young - There are powerful financial forces on your side when you start investing young. One of the most beneficial to young investors is compounding interest.Compounding interest occurs when you invest money and earn a return on what you invest. The amount your investment returns then starts to earn you money. This forms a snowball affect that will make your money grow bigger the longer you are invested.To break it down, you're making money off the interest yo…

All About Attitude

Jerry is the manager of a restaurant.

He is always in a good mood and always has something positive to say. When someone would ask him how he was doing, he would always reply, "If I were any better, I would be twins!" Many of the waiters at his restaurant quit their jobs when he changed jobs so they could follow him around from restaurant to restaurant.

The reason the waiters followed Jerry was because of his attitude.

He was a natural motivator. If an employee was having a bad day, Jerry was always there telling the employee how to look on the positive side of the situation. Seeing this style really made me curious, so one day I went up to Jerry and asked him, "I don't get it! No one can be a positive person all of the time.

How do you do it?"

Jerry replied, "Each morning I wake up and say to myself, I have two choices today. I can cho…

How to teach children the value of money

Children start learning about money and how they value it early in life. They learn to be stressed about money if the adults in their life are stressed about money. Or, they learn "money grows on trees" because they get everything they ever wanted.

I did some research on how parents teach their children about money. To them, the most important lesson on how to teach children the value of money is being a good model - practice what you preach. Parents should have a good grasp on money management before you begin teaching this concept to your children. You should be knowledgeable enough about saving, budgeting or investing money.

Here are some examples:

One couple helped their 8th grade daughter open a checking account and had an allowance deposited (like getting a paycheck) each month. The amount of the allowance was jointly decided on by the parents and daughter. It was determined by money needed to …

How to start a salon business

Almost every mall in Metro Manila is said to have two to eight beauty salons.According to the 1999 Job Demand Survey of the Levittown Beauty Academy, salon owners receive an average of 174 clients a week. But a chair, a mirror and a pair of scissors are not the only things you’ll need if you want to start a salon business.
Lidwina Morales, owner of Lid Salon in Malate, Manila, invested P500,000 initially on equipment and her parlor’s interior. Janett Pineda, a franchisee of David’s Salon in San Pedro, Laguna, bought the franchise for P2 million and took over the parlor in November 2002.But you need not spend big bucks right away. Patrick Bishop, author of Money-tree Marketing, says “Don’t overspend. Buy used equipment or rent a space that was a beauty salon previously, but is vacant and includes all the equipment.”
Pick your location well
In a salon business, you must pick your location carefully. One won’t go wrong picking a mall. You'd also want to cater from Class A to …

List of online stock brokers in the Philippines

A stockbroker is a person or a corporation authorized and licensed by the Securities and Exchange Commission (SEC) and the Philippine Stock Exchange (PSE) to trade securities. The stockbroker can be a live person or an online system.

Here is a list of registered online stock brokers in the country. Normally with an online broker, you are not assigned a live trader. Instead, you do trading all by yourself using the broker’s online system. Visit each online broker to compare their fees, support and service, and quality of their trading system.
AB Capital Securities, Inc.
Website: www.abcapitalonline.comAccord Capital Equities Corporation
Website: www.philstocks.phBPI Securities Corporation
Website: www.bpitrade.comCitiSecurities, Inc.
Website: www.citiseconline.comF. Yap Securities, Inc.
Website: www.2tradeasia.comFirst Metro Securities Brokerage Corporation
Website: Securities, Inc.
Website: www.rcbcsec.comWealth Securities Inc.

Philippine Stock Market

The Philippine Stock Exchange has been continuously educating the public about stock market investing. It is now starting to draw attention from a diverse group of investors from all income levels. The stock market is slowly being noticed as a feasible investment medium despite the economic crisis. A recent study from the Philippine Stock Exchange (PSE) showed that even the middle-income and lower middle-income classes are now investing in the stock market.

It is interesting to note that most of the retail investors trading online earn less than P500,000 a year and more than half of them were 30 to 44 years of age. This group of investors is now presenting a high growth sector for our trading participants. That is according to Val Antonio Suarez, Philippine Stock Exchange (PSE) chief operating officer.

For 2009, the study found that in terms of:

Annual Income:
About a third or 33.8% of those who invest in stocks only earn less than P500,000/year. Including the biggest investors (41%) were…

Forex Trading

Forex trading is an international exchange market whose daily average turnover is more than 1.5 trillion dollars. The word “FOREX” is abbreviated as FOREIGN EXCHANGE and in broad manner we would say it’s a market where one currency is traded for another and this is done in the hope that one can make profits on any losses or gains in the movement of currencies.

The trade of currencies is done in pairs i.e., the currency which one buy’s in the belief that in future its price will rise, the trading term related to this is called “the long position” and the other to sell in belief that its value will fall in future and the profit is made by buying it back on the lesser value, and the trading term related to this is called “the short position”.

The whole profit making in FOREX depends upon the movement between the 2 currencies which is not so high, so to make huge profits, one has to buy hundreds of dollars worth of currency at a time. Independent brokers and currency dealers make up a smal…

How to get a BFAD license

How to Apply for a License to Operate (LTO)

Registration for New Clients
Is this the first time you will transact with BFAD? Register at the Client Management Console to get your account number and gain access to the web portal of BFAD. This is where you will regularly transact with BFAD after registration.After registration, you may apply for initial issuance of LTO through the Client Management Console.

STEP 1. Classify your product(s)

Products regulated by BFAD fall under any of the following product classes:
drugsmedical devicesdiagnostic re-agentsfoodcosmeticshousehold hazardous substances

STEP 2. Classify your establishment.

Based on activities the establishment is engaged in, the establishment can be classified under any of the following establishment categories:

Establishment Category Activities

Manufacturer Purchases Raw Materials and Packaging Materials

Produces the product (in own plant or outsourced to a toll manufacturer)

Packs finished products

Maintains inventory of inpu…

Save for your retirement while you are still young

For almost all young adults who have just started their first job, or who are just getting ready to settle down and marry, planning for their retirement is not at all in their minds. For those who have just gotten their first job, the experience of receiving your paycheck is a thrilling and empowering feeling. Now you have money to spend for the things you’ve always wanted to get. Billboards and glitzy print ads beckon you to accumulate all sorts of products and services that make you enjoy the life that you feel entitled to. At last!

But, listen, time waits for no one. Sooner or later, you will find yourself with a closet full of out of fashion clothes, outdated gadgets, and toys that you have outgrown. Worse still, you may still have credit card bills to pay for these things, and zero cash saved up for even your next vacation to Boracay. This time will come, if you’re not careful. And believe me, that time could just be around the corner.

If you’re smart, you should begin to p…

Richard Gordon for President

With permission to post from cosmochick, a girltalker of

I am writing this not as a passionate advertiser to a person I entrust my vote. I am writing this because I feel that I have to. I have this urge to let others and my friends, who are still undecided to vote this coming election, to exercise their rights and not waste it by voting in futility.

As mandated in the 1987 Philippine Constitution, everyone has the right to be informed. Therefore, I am informing you now just a “piece” of the candidate I am voting for. This will not be that long-winded and too lengthy for I know, whatever I put here will surely be an UNDERSTATEMENT of what my President has accomplished.

Because of my PRO-GORDON posts, many inquired why I chose Gordon. I told them, “I will answer your question if you will also allow me to ask you a question. Don’t worry, I accept fairness and equality so I will ask the same thing to you.”

He walks his talk. He is not only a visionary thinker and an eloquen…

Domain Parking

Domain Parking is a simple way to potentially earn money and improve the chances of selling your unused domains.

I started domaining last June 2009 and so far, I have hand-regged 20 domains (very few compared to a real domainer). Most of them are parked at sedo and others at afternic and namedrive. Afternic charges a very hefty escrow fee. I sold my first domain name for $75, but I only received $15 net. Heavy isn't it! At first, I thought there had to be a mistake, but when I reviewed their fees and rules, their escrow fee is 3% or $60 minimum even for an afternicDLS member. Oh well, at least, I was still able to double my investment ($7 reg fee) in less than a year..but still...huh..nevermind.

Last week, I received an offer for my other domain. It was parked at sedo. Price was $150. I was surprised to receive an invoice request from the buyer. I thought sedo handles these things. The whole point of selling through them is to avoid having to deal with the buyer or seller directly…

How to make clothing for dogs

Think "fashion designer," but with the pieces about one-third or one-fourth of an adult's size. You will be sketching outfits, matching material, and coming up with seasonal collections for man's best friend!

Fabric, approximately a yard per outfit
Fabric accessories (beads, buttons, fabric paint, Velcro, etc.)Measuring tapePatternsSewing supplies (fabric glue, paper, pencil, needle, etc.) *All available in fabric stores as well as in Divisoria
Step 1. Sketch your desired pattern. You can find ideas on the Internet—check out, http://www.make-and-build-dogstuff. com—and just tweak them into your own!
Step 2. Prepare your fabric. Just be sure the material is comfortable for the dog, durable, and washable. To save money, you can also use old clothes you have around to the house. Shop around for desired accessories and details you want to add to the outfit.
Step 3. Using a measuring tape, get measurements around the neck,…

How to make candy bouquets

Candy bouquets are a new take on the candies and flowers we normally give as gifts or tokens to friends and loved ones. And it can be a good sideline business, too, especially on Valentine's Day, Mother's Day and other occasions.Candy bouquets are also hot items for sale in online stores, so check out the Web to earn dollars from retail websites selling padala items.
Jhoanna Gan-So, president and head of research and design at Businessmaker Academy, says candy bouquet making is a good complement business to gift basket making, selling baked goodies and sweets, and doing balloon arrangements.


a pair of scissorsmeasuring tape
mini glue gun1 mini glue stick (P2.46)7 pieces of chocolates (preferably the Ferrero Rocher brand) (P14.67 each)7 balloon sticks and caps (P2.75 each set)1 flower accent (P10 each)7 flowerets (P3 for a bunch of 5)
curling ribbon (11/3-yard long)0.65 yard ribbons (one-inch wide) (P10.50 per yard)
a bow (P11.75)floral tape (3.5-yar…

Part 2: Stocks Investing

Part II: What is the minimum amount needed to invest in the stock market?

Trading stocks is done though board lot or round lot system, which means there is a minimum number of shares one can buy or sell at a specific price range.

The Board Lot Table determines the minimum number of shares one can purchase or sell at a specific price range. Therefore, the minimum amount needed to invest in the stock market varies and will depend on the market price of the security as well as its corresponding board lot. Prices of stocks move through a scale of minimum price fluctuations.

The Philippine Stock Exchange uses the Board Lot Table.

How can i profit in the stock market?

Investors can profit in the stock market thru any or a combination of the following; Capital Gains - These are profits made due to an increase in the market price of a stock from the buying price.
Cash Dividend - A dividend given to shareholders in the form of cash. It is computed by multiplying the number of…

Part 1: Stocks Investing

What are Stocks? Securities?

Stocks are shares of ownership in a corporation. When you become a stockholder or shareholder of a company, you become part-owner of that company. Securities, on the other hand, are proof of one's ownership or indebtedness in a company. Examples of securities are treasury bills and commercial papers, which are considered as short-term and are traded in the money market; and stocks and bonds, which are long-term and traded in the capital market. Securities are easily bought and sold in the stock market.

What are the types of Securities that I can buy in the Stock Market?

Most of the issues listed in the PSE (Philippine Stock Exchange) are common stocks. Other types of securities such as preferred stocks, warrants, PDRs and bonds are also traded. Common Stocks - These are usually purchased for participation in the profits and control of ownership and management of the company. Holders of common stocks have voting rights. They are also entitled to an equ…

How to Start a Bakery

If you love to bake, have at least P250,000 in capital, know a good location, and are looking to start a business with a steady and growing customer base, then you should consider setting up a bakery.
By Prime Sarmiento

Although bread is only the second staple food for Filipinos, bakeries can be found everywhere in the country – from the neighborhood panaderia where you get your morning pandesal to popular bakeshops in malls selling pastries and cakes of every ingredient and recipe. The Trade and Industry department reports that there are 30,000 bakeshops in the Philippines.

Given this number, you might think it’s foolish to go into this business as the market seems to be heaving with loaves and rolls. But master baker Ric Pinca, executive director of the Philippine Association of Flour Millers (PAFMIL) says “there’s dough in the bakery business.” “The bread market in the Philippines is under-utilized,” pointing out that a Filipino consumes only 1.75 piece of bread everyday. Singaporean…

Earth Hour 2010

Last night, me and my mom turned off all the lights & switched off all our appliances as our small contribution for our planet. Some of our neighbors too. I just stayed outside and did stargazing which I really enjoyed.

Even the simplest everyday activities can make a real difference to the environment. We can make a big difference in our homes simply by making a few small adjustments to our routines. I've been trying to conserve water and energy, not burning plastic/styro/packaging, recycle what can be recycled and telling my friends to do the same thing.

I would like to share the following tips I read from world wide fund philippines

Save energySwitch off all lights and electrical appliances when not in use – your TV left on standby can still use a quarter of full powerChoose energy-efficient appliances and light bulbsLet clothes dry naturally rather than using a tumble drierKeep lids on pans when cooking to prevent your cooker having to work extra hardOn average using a gas o…