“There is no substitute for victory – Gen. Douglas MacArthur”
April 9 was “Araw ng Kagitingan”
or “Day of Valor” as we celebrate and honor our veterans and remember the
fallen of World War II and other battles and conflicts in our history who gave
the ultimate sacrifice for this country and for the people.Looking back, my late grandmother would tell
us stories of how our late grandfather’s escape with a few of his comrades during
the infamous Bataan Death March.
They were able to escape and hide through the
help of the townsfolk they knew during the transfer of the bulk of prisoners of
war in the historic San Fernando Train Station in the City of San Fernando,
Pampanga to be shipped to Camp O’ Donnell in Capas, Tarlac through railway by
their Japanese captors. He was a young army officer of the Philippine
Commonwealth Army then. Although he died four decades ago, I still recount what
my grandmother and some of the old folks we know who lived during the Japanese
occupation years as a very harsh period in our Philippine history.
The second half of 2013 was a thrilling event for
those who invested their money in stock market making tremendous profit
with this type of direct investments. Many have gone up and seen the
rise of the Philippine Stock Exchange Index (PSEi) to 7,000 mark
with people celebrating in sheer numbers to see their money grow.
However, stocks have seen downside when profit taking took place in end
of December 2013 days before Christmas time but surely I am optimistic
about this and looking forward on a better this year 2014.
Many people ask this question on how to invest in the stock market and why invest in the stock market? How much can a stock or equity profit?
SUMMERTIME is here. With a lot of people looking and finding ways to look better and make themselves fit into their summer beach outfits and having their skin tanned a little but
then of course people tend to be conscious of their bodies. I am not
spared of this even if I carry some excess pounds on my body I am still
hopeful of losing anyways and being in my top form a few years ago.
I was 186 lbs and
losing the extra weight was a big problem for me. It became a constant
battle of keeping myself healthy and active because the current lifestyle I
had that can affect my health in general. I never thought that I would
still lose this extra pounds and flabs due to the fact that I became
accustomed with the sedentary lifestyle I had for the past few years
since—not grasping a single sports after college, eating too much junk
and fast foods plus not doing enough physical activities except for some
badminton games with my younger sister during free time but was to lazy
with it.
I just
felt sorry for myself of neglecting my physical well-being and being
swamped with work plus becoming a total couch potato and watch TV all
day or sit in front of a PC playing Facebook Game applications or
chatting with friends. But all is not loss at all if I wanted to regain
my old self again.
The
badminton game and once in a blue moon jogging back in 2011 was not
enough for me because I made it a mission to finish the combat and try
to reach my goal of 160 lbs or roughly 73 kilogram (target weight) in
the coming months up to December of this year. It was tough decision for
me, but if I put my mind into focus I could surely achieve it.
It was an eye opener for me when I attended the recently concluded Money Summit and Wealth Expo courtesy of the Learning Curve, Inc. Jerome San of Rich Dad Asia / Millionaire Mind Asia talked about the Robert Kiyosaki principles on the book Rich Dad's Guide to Investing which I did missed to read back a few years but I did read the first two books Rich Dad ,Poor Dad and Rich Dad's Cashflow Quadrant back in early 2008 and played the Cashflow 101 game during one event with Larry Gamboa's Think Rich Pinoy in early 2009.
Jerome discussed some of the historical fact and timeline on how job started back in the age of Age of Discovery starting from 1400s and how it affects the modern age with major changes on how companies would compensate their employees after working for them in a decades after retiring from their old job. He made some comparative notes on the way companies are compensating their employees which greatly affects a lot of people.
Reaching your goal of becoming financial independent and free from debts requires a lot of discipline, sacrifices, motivation and right entrepreneurial mindset to reach the dreams anyone would one to achieve in the near future in which conceptualizing, building and running a business and later the business system will run itself is the only option of becoming a rich person eventually leading to being an investor with focus of furthering the business and seek more investments as well.
To be continued on the next post....
Copyright 2009 - 2010. PinoyMoneyVantage| Personal Finance Help Philippines
Auto theft crimes are rampant again these days even if we do not have official statistics on what is happening in the past 2009. As in the case of what happened some of those anonynomous person I know who have experienced this a couple of months ago during the celebration of the holiday season. Two months ago, I was shocked on what happened in which her 2009 Toyota Innova has a broken window at the right rear passenger side plus a damaged interiors from the forced entry and deliberate scratches from the perpetrators. Not only that, the brand new microwave oven she won on a contest was stolen as well. Another incident happened back in December 2009, A friend also lost some of her belonging wherein the perpetrator broke the glass at the passenger and stolen a lady's bag. Items stolen were some checks, IDs and some Thousand pesos cash. It was parked within a the parking area of big mall.
I really never heard of Mr. Napoleon Hill before but I got interested in one of the book I saw being read by one of my seatmate on my bus ride to home a month ago - Think and Grow Rich.I got curious with it and made some research on this book through the Internet in which it was a bestseller. I believe this was predecessors (or Father) of most of the personal success, motivation and self-help books being printed and sold in major bookstores.
Who is Napoleon Hill and what he really do?
According to the Wikipedia link, Napoleon Hill (October 26, 1883 – November 8, 1970) was an American author who was one of the earliest producers of the modern genre of personal-success literature. His most famous work, Think and Grow Rich, is one of the best-selling books of all time. Hill's works examined the power of personal beliefs, and the role they play in personal success. He became the adviser to President Franklin D. Roosevelt from 1933-36. "What the mind of man can conceive and believe, it can achieve" is one of Hill's hallmark expressions.
What does this book can do and help you with?
I am still reading it in the process but I was so amazed on how this book can boost your self-confidence on what you want to do in life in which is giving you an insight what you can concieve and putting on that mindset or thought of getting it and achieving it. It has the same principles as what most of the new authors or writers as their basis and inspiration with the fact they are also sharing their experiences and knowledge in helping the average person who needed this revitalized energy of living a day in a triumphant existence in which it have made a great impact who ever anyone read it. This is the first of all the books that have personal success being published worldwide back in 1937.
I have added some video clips from Youtube which are only a few short segment you can watch on even if this in black and white. It is still interesting and useful.
Copyright 2009 - 2010. PinoyMoneyVantage| Personal Finance Help Philippines
Have you noticed that your email account is always full with SPAM which is eating in cleaning and sorting your genuine emails from this nuisance or soliciting email with no factual basis. These scammers are international crime syndicates maybe based in African nations or may be even working or holding operations in any country outside of Africa.
Would like to share this article forwarded by a friend through email.
New Credit Card Scam
This one is pretty slick since they provide YOU with all the information, except the one piece they want.
Note, the callers do not ask for your card number; they already have it... This information is worth reading. By understanding how the VISA & Master Card Telephone Credit Card Scam works, you'll be better prepared to protect yourself.
One of our employees was called on Wednesday from 'VISA', and I was called on Thursday from 'Master Card'.. The scam works like this: Caller: 'This is (name), and I'm calling from the Security and Fraud Department at VISA. My Badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a Marketing company based in ?'
When you say 'No', the caller continues with, 'Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?'
You say 'yes'. The caller continues - 'I will be starting a Fraud investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800 -VISA) and ask for Security.'
You will need to refer to this Control Number. The caller then gives you a 6 digit number. 'Do you need me to read it again?'
Here's the IMPORTANT part on how the scam works. The caller then says, 'I need to verify you are in possession of your card'. He'll ask you to 'turn your card over and look for some numbers'. There are 7 numbers; the first 4 are part of your card number, the next 3 are the security Numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him. After you tell the caller the 3 numbers, he'll say, 'That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?' After you say No, the caller then thanks you and states, 'Don't hesitate to call back if you do, and hangs up.
You actually say very little, and they never ask for or tell you the Card number.. But after we were called on Wednesday, we called back within 20 minutes to ask a question.. Are we glad we did! The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card.
Long story - short - we made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the card Don't give it to them. Instead, tell them you'll call VISA or Master card directly for verification of their conversation. The real VISA told us that they will never ask for anything on the card as they already know the information since they issued20the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit. However, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report.
What makes this more remarkable is that on Thursday, I got a call from a 'Jason Richardson of Master Card' with a word-for-word repeat of the VISA scam. This time I didn't let him finish. I hung up! We filed a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening.
I hope this article would be useful for readers of this blog. Would put more insights on other scams that you can avoid and prevent yourselves from being prey from these devious people as well. You can visit this site for more details on credit card scams:
