I am happy when I am around with positive people and that positive energy is the one that keeps me go on despite of the very busy days at work.  But you know what, I try my best to have a stress free environment and so even if I am busy at work I let myself enjoy my ps3 new games when I am at home.  This way I am able to separate myself from the chaos of the meetings.

Being an effective worker is really a challenge especially if you don’t know where to start and how to get out from the chaotic schedules.  That is what they say but then for me it is just a matter of setting priorities and making yourself productive every minute you are in the office.  That way you don’t need to go home and still work at home.

Work when you are inside your office but learn to relax the moment you enter your home.  This way you will still have enough energy the following day and until the week is over.  Don’t stress yourself!  Be happy and be affective at work!

Have you heard about the rule of 72?  During our college days it is actually being thought in the form of the compounding interest.  Later that I know that this rule is one of the greatest mathematical inventions created by no other than Isaac Newton.  The rule of 72 is actually the simplest form on how to compute on how fast our money will grow.  It is the method of computing how much time will our money will doubled with a given interest.

To make it more simple this is how to compute it:

72/interest rate = the no. of years your money will doubled.

Alright, let’s give an example to give you an idea….

example: Juan invested his money in a bank with a 4% interest annually while Grace invested her money in a mutual fund with an average yield of 12% annually.  How many years will take to double their money?

Juan’s investment:

72/4 = 18 years

Grace’s investment:

72/12 = 6 years

Looking at the two investments portfolio there’s only around 8% difference but that difference makes it about 12 years difference.  You have to take note that in investments the time has a significant roles.  The longer it takes for your money to grow the longer it takes for you to wait.

Do you want to learn more about investments?  It is not too late and it will not cost you a dime because there are free seminars available.  If you are interested feel free to contact me by sending your message here and I am willing to guide where and how to do it….

It was two days ago when the tragedy happened.  There were more than 4000 people on board when it happened and there were three people confirmed dead.  Rescue operation is still on-going but since the Italian Cruise ship is enormous it is difficult to cover by the rescuers.  Looking at the pictures taken by the train camera, I can say that this Italian Cruise Ship mishap is another warning for all of us.  Accident comes in the most unexpected time and we never know if we will be among the survivors or we will be one of the casualties.

It is very important to always make ourselves alert and ready.  Survivors from Italian Cruise ship mishap will remember this horrible incident and will be their lesson to value their life and other’s life.  May this tragedy become an eye opener for us to always be a good human being because we never know when will be our last day here on earth.  Enjoy life and always be a better human being.

It’s Christmas but nevertheless we are busy preparing for the personalized baptism gifts for my friend’s baby girl who will be baptized this coming December 30.  It becomes a tradition here in our subdivision to have a year-end baptismal celebration in line with the feast of the Holy Family.  It’s indeed a grand feast for everyone because it will be a double celebration and will extend the celebration until the first day of January.

Baptism is a very important event for catholic believers because it is the day when we offer our little ones in the loving care of God.  It is a very important sacrament for us because it signifies our faith and love for God.

It’s a tough day for me but then I don’t want stress go into my senses and so I decided to check the available trainings by 2012.  Some of the trainings need a prerequisite exam which I think is just alright.  I went to training room to have a look of the exam tables which we also use to other activities.  As I checked the schedules, I was glad that the trainings that I would like to attend as part of my career plan for 2012 are all listed.

Career planning is important especially if you want to improve your position moving forward or if you wanted to shift your career to another career of your choice.  Career planning is just like setting your own professional goal to keep you on track and to check and balance your personal life and your professional life.  It is important that you have your own goal to keep you moving and enhance your talent.  Planning your career is a continuous process that you need to undergo if you want to have specific direction.

A week before Christmas when storm Sendong or know as tropical storm Washi blew in the island of Cagayan de Oro and nearby provinces last Sunday, a week before Christmas.  Sendong tragedy is known to be one of the world’s deadliest storm which sweep away the entire city leaving 650 dead people and 900 missing.  Philippines is known to have several storm coming-in in a year however it is the first time that it happened in Cagayan de Oro for more than 40 years now.

It was a devastating experience for the people affected by the typhoon Sendong and it became more painful because it happened a week before Christmas which is known to be a big family event for every Filipino.  Many families were left homeless and there was a scarcity of water and food.  Many children are now getting sick because of the situation and supply for medicine becomes a priority as well.

Help is what they need right now specially those basic needs to help them move on.  Christmas is about giving and it becomes special when we remember those people who are suffering right now.  A few pesos from you would be a great help from them so let’s unite together and send our loving care through donations.  There are several foundations that you can approach to help them and below are the accounts you can deposit your donations for typhoon Sendong’s victim.

SAGIP KAPAMILYA

1. BDO Peso Account

Account name: ABS-CBN Foundation Inc.-Sagip Kapamilya
Account Number: 39301-14199
Swift Code: BNORPHMM

2. BDO Dollar Account

Account name: ABS-CBN Foundation Inc.-Sagip Kapamilya
Account Number: 39300-81622
Swift Code: BNORPHMM

3. PNB Peso Account

Account name: ABS-CBN Foundation Inc.-Sagip Kapamilya
Account Number: 419-539-5000-13
Swift Code: PNBMPHMM

4. BPI Peso Account

Account name: ABS-CBN Foundation Inc.-Sagip Kapamilya
Account Number: 3051-1127-75
Branch: West Triangle, Quezon City
Swift Code: BOPIPHMM

5. BPI Dollar Account

Account name: ABS-CBN Foundation Inc.-Sagip Kapamilya
Account Number: 3054-0270-35
Branch: West Triangle, Quezon City
Swift Code: BOPIPHMM

In Kind - SAGIP KAPAMILYA
ABS-CBN Foundation Inc.
Mother Ignacia cor. Eugenio Lopez St.
Diliman, Quezon City
*You may send rice, canned gods, noodles, biscuits, coffee, sugar, clothes, blankets, mats, medicines

GMA KAPUSO FOUNDATION

1) METROBANK

Peso Savings

Account Name: GMA Kapuso Foundation, Inc.
Account Number: 3-098-51034-7

Dollar Savings

Account Name:GMA Kapuso Foundation, Inc.
Account Number:2-098-00244-2
Code: MBTC PH MM

2) UNITED COCONUT PLANTERS BANK (UCPB)

Peso Savings

Account Name: GMA Kapuso Foundation, Inc.
Account Number:115-184777-2 or 160-111277-7

Dollar Savings

Account Name: GMA Kapuso Foundation, Inc.
Account Number: 01-115-301177-9 or 01-160-300427-6

Extend your arms to help them get out in this difficult situation.  Let’s help them out!

Other Interesting Articles:

- Create Your Own Emergency Fund
- Loans During Tough Times
- Preserve Your Assets

While everyone is asking for an angry bird toy, my nephew wanted to have a set of yomega this Christmas. I am just glad that I easily found it through the internet and now it has been wrap and ready for Christmas.  I am sure that he will enjoy playing it as he has been trying hard to master the tricks.  I couldn’t wait to see him playing again and enjoy his tricks.

Every kids has their own Christmas wish and this Christmas season is one of the best opportunities for us to make their wishes come true.

This time of year when most of us travel back home to spend our holiday together with our family and since there are a lot of people who will also travel back and forth it is important to have our own roadside assistance plan for our safety.  Safety should be one of our main concerns when travelling and so it is very important to have your own checklist of the things you have do before departing your house.  Safe holiday travel can be achieved if you are well prepared even before the day of your travel.  To give you an idea, below are the few things you may consider whenever you travel.

• If you are travelling by your car it is important that you condition your car to avoid the hassle and bustle of being stuck in the middle of the road because your car suddenly stops or malfunction.
• Tuning up your car is also one of the best ways to have a safe travel.
• Bring medicine for headache, stomach-ache, dizziness, diarrhea and fever.  At least have a set of those medicines set aside for your travel.
• Have an extra money
• Bring food and water if necessary

My friend gave me a pandora bracelet last week and I can say that it was my earliest Christmas present I received this year.  I love it so much and I could help myself but to feel very special because I know that my friend took time to look for this awesome bracelet.  The spirit of Christmas is really about giving but it also feels good to receive gift once in a while but more than that is the happiness of knowing that someone is thinking about you.

What about you?  Did you receive any early Christmas presents as well? Hmm, I really hope so!  Advance Merry Christmas everyone!

Recession hits once again and many people suffered because of it.  Many companies closes and many employees lost their jobs.  This is a continuous cycle of life that if you are not prepared you will be shock how much will it cause you.  Recession is deadly especially if you are not financially prepared.  This is the situation wherein even the rich people experience.  There’s no right or wrong formula on how we can avoid recession as it happened in the most unexpected time.  But I believe that if we are financially prepared the likelihood of getting through this though time is big rather than just sitting there and wait that something good will happened.

Whatever you do today will surely affect your future and so you have to think wisely on what to do with the extra time and money that you have right now to prepare for any tough times in the future.  Avoiding bankruptcy is really up to you because you are the one controlling your finances.  Nevertheless, here are some of the few tips that I can share with you on how to avoid bankruptcy in the future.

• Increase your cashflow - now that you are able to generate income it is advisable to increase your cashflow while you still have resources.
• Manage Debt - While increasing cash flow is important it is also important to be debt free or at least with a manageable debt.  Your debt is the monster to your finances so avoid having it.
• Create Emergency Fund - You should have this because you don’t know when the emergency will happen.  This will save you from a lot of troubles during tough times and will help you preserve your investments.
• Ensure Proper Protection - This is a must especially if you have families because this will be their blanket if something bad happened to you. Be insured!
• Build Long-Term Asset Accumulation - don’t just focus on savings but also in building a long term asset as this will help you when you can’t work anymore.  Invest!
• Preserve Your Estate - While investment is good it is important to also preserve what you accumulate for your future generation.