Friday, February 29, 2008

Quotes on Attitude

ATTITUDE

It is the reflection of our true selves.
Its roots are inward, but its fruit is outward.
It is our best friend--or our worst enemy.
It is more honest and more consistent than our words.
It is a future outlook based on past experiences.
It draws people to us--or repels them.
It is never content until it is expressed.
It is the librarian of our past.
It is the speaker of our present.
It is the prophet of our future.


I have often thought that the best way to define a man's character would be to seek out the particular mental or moral attitude in which, when it came upon him, he felt himself most deeply and intensely actice and alive.---- William James


As he thinketh in his heart, so is he. --- Proverbs 23:7


You are only an attitude away from success!


The highest reward for man's toil is not what he gets for it but what he becomes by it. --John Ruskin

It's not whether you get knocked down, it's whether you get up. --Vince Lombardi

All our dreams can come true -- if we have the courage to pursue them --Walt Disney

In the middle of difficulty lies opportunity --Albert Einstein

The successful man will profit from his mistakes and try again in a different way. -Dale Carnegie

What lies behind us & what lies before us are tiny matters compared to what lies within us --Walt Emerson

I may not be able to change the world I see around me, but I can change the way I see the world within me.

Your attitude determines your action. Your action determines your accomplishment --John C. Maxwell

We cannot direct the wind... but we can adjust the sails.

If you think you are beaten, you are. If you think you dare not, you don't. If you'd like to win but think you can't, It's almost certain you won't

Life's battles don't always go to the stronger or faster man, But sooner or later, the man who wins is the man who thinks he can.

A successful man is one who can lay a firm foundation with the bricks others have thrown at him. -- David Brinkley.

If things go wrong, don't go with them --Roger Babson

You are today where your thoughts have brought you; you will be tomorrow where your thoughts take you -- James Allen






slide on USD continues vs. EUR




After hovering near the magic 1.50 number on EUR vs USD for nearly three months, but unable to break it, the Euro finally rallied past it on Tuesday night, clearing 1.51 by midday Wednesday. The headlines are buzzing, analysts are talking, and traders are on the move. there was pickup in trading volume and activity over the past day as traders react to this historic move. With home sales continuing to fall, inflation is high, carnage on Wall Street, and Ben Bernanke determined to act as needed to cut rates, where will the dollar slide end?




Thursday, February 28, 2008

tags, awards


All I have to do is copy/paste my tagger's thingy then tag 5 other people after. So here goes.

Thanks lena for sharing me this award.
Rule: Copy the entire list and add your name at the bottom. And tag at least 5 friends. (But you can tag as many as you like)

Thea, my scrappy side, Childstar, abie, aggie, alpha, apple, apols, jacqui, jane, jody, joy, mike, kelly, mich, peachy, dorxie, Butchay,, lena, anna

i'm tagging heidi, rhea, jade, jhen, wifespeak, sheryll


tags galore

Rule #1Copy all the links below and replace a single link under the appropriate alphabet. If your domain name, or even the title of your blog, starts with an ” A,” you’d replace the link under that alphabet and put the replaced link at the bottom. Also, don’t forget to credit the tagger, or where you got the list from, at the end of the list with a full URL of the post so that a pingback gets generated.

A alwaysbcmom.com
B because life is fun
C coffeenchoclate.blogspot.com
D dzunejenn.blogspot.com
E enjoyingtheride-jenn.blogspot.com
F forumfinder.net
G gotic-peach.net
H happykeg.com
I ipentimento.com
J juliesjournal.com
K kabalyero.com
L leahjoseph.com
M michmagbag.com
N notjustmama.net
O originalmx5.net
P patrickdevivo.com
Q qweddings.com
R rantingsofawoman.blogspot.com
S sujeesarmiento.blogspot.com
T the-working-mom.blogspot.com
U utada-online.net
V valmg.com
W wickedbabylon.com
X xaviermedia.com
Y yimto.com
Z zbudapest.com



Replaced Link:caffeine-overload.com
Previous Tagger: dzunejenn.blogspot.com

Rule #2You now have to “tag” at least five people and
encourage them to participate so that this thing spreads like a virus. Remember, though, that not everyone’s into these kinds of things, so don’t be upset if they don’t participate. Just simply replace your tag. Remember to tag blogs only and no pornographic ones as we do want to keep the integrity as a blogging community. TIP: Tag your frequent EntreCard droppers via its messaging system.

I am tagging:

1. lena
2. maybelle
3. pat
4. rhea
5. vivek





my winning trade


started trading again this month. forgot to post my first trade this year. but this trade, which I did yesterday, feb 27, I was able to save a pic of my entry & exit chart.

the first chart was the entry on sell. the second chart was the exit on 90+ points profit










Saturday, February 23, 2008

Playing with Isabella





these were gifts to her on her 1st birthday, now we get to play with it :). it's amazing, though I can't find time to regularly teach her, thank goodness she already knows these shapes, 1-5 numbers & colors. What we do: I would put the shapes on the puzzle/floor, move 5 feet away from it or more, then I would ask her, "Isabella, can you get the circle for me, pls?" then she'd go & get the circle, with a giggle she lays it on my hand then I would ask for more shapes. We would do the same for the colors but sometimes I would have to say "isabella, please get the color brown, or the color of teddy bear, " or the color blue for "blue" (from blues clues). she trully enjoys getting those shapes & colors! For the numbers, i will get the number puzzles 1 to 5, then she will be the one to put back the numbers one by one starting with the number 1.

I enjoyed this morning, playing with her :)


Thursday, February 21, 2008

let's play domino

Rule: Copy the entire list and add your name at the bottom. And tag at least 5 friends. (But you can tag as many as you like)




Thea is {bloggerhappy.com}
Childstar
Mike
My Scrappy Side
Abie
Aggie
Alpha
Apple
Apols
Jacqui
Jane
Jody
Joy
Kelly
Mich
Peachy
Anna

You may want to allow pings on your entry to enjoy the full domino effect. Have fun!

I’m tagging my new online friends ann, cc, danie, donna, maybelle, mari, meng, renz, tricia

Wednesday, February 20, 2008

Biggest Heart Award!






Thanks to joanne & sheryll for giving me this award :)

I'm passing this on to fellow nawies aiai, arpi, danie, emz, renz, rocks




Managing our moolah Part II




Fast-forward to present time, I still use Quickbooks 2003 Edition since this is what I got used to. I’m not selling this system, but just amazed that it’s so useful to me, and hope others would find it helpful, specially to non-accountants with additional rakets (source of income). It’s even flexible that you can delete or add other Chart of Accounts. Other essential reports are Profit & Loss, Trial Balance, Balance Sheet, Gen. Ledger, etc.

Truthfully, Budgeting / managing finances are such a bore that I need to remind myself of the reasons why it is important, why I need to do it.

* Although we were BF/GF at that time, we were also starting our business
partnership, having all the finances accounted for is a good start.

* If ever he asks, everything is listed down w/ receipts still intact.

* If I won’t, then who will?

* Fast-forward to married life, money is always one of the major sources
of arguments for couples if not handled properly. Managing your income
& expenses will limit misunderstandings if not, eliminated.

* Budgeting is all about finding out how much money you can spend for
fun, made possible by doing a little posting every now and then to
figure out how much money you need for… well, things you NEED. Like
mortgage, and telephone, and aircon, and mac n cheese. Yep. I do not
budget so I can be in control of my finances. I budget so I don’t have
to put a billion things I truly desire back on the shelf all because
I can’t figure out whether I’ll have enough money to pay the phone bill
coming up in two weeks. See? It’s rewarding!

* Successful people around the world have one thing in common: they
budget their money. And they do it because it works.

* You cannot accumulate wealth if you can’t manage your income well.
And it all starts in managing your income & expenses.

There, I hope these reasons would be enough for me to motivate myself to continue (consistently) posting/manage our family's income even though it's boring. Benefits weigh more.



Managing our moolah



Part I

This is what I did this week, posting into Quickbooks program everything that we’ve spent in a month. After a year of not being able to do it due to so many urgent matters, I’ve realized, though tedious, it really works if I just do it consistently for just 2-3 hours every week. I know, I know, you hear the word ‘budget’ and you run screaming as if I’d just told you to hand over every one of your paychecks to the tightwad gazette for the rest of your life. The word "budget" - much like the word "diet" - has negative connotations. Budgets and diets are viewed as restrictive reminders of things we cannot have.

Not so. Budgeting is really pretty harmless, even to those with spending addictions. Like myself. And it’s simple. Takes up hardly any time, and makes it so I don’t HAVE to feel guilty - or play dumb - when I buy something, and then get a ‘your check has bounced’ notice from the bank.

If it makes you feel better about the process, drop the word "budget" and call it a "spending plan". Instead of viewing the plan as restrictive, think about the things it allows you to buy. After all, a budget is nothing more than a plan for how you will spend your money.

The question is simple: where does your money go?

Regardless of how much you earn or when you earn it, everybody has expenses, fixed or otherwise. You just have to be aware where it goes, to whom it goes, how much you pay for what.

Backtrack to 6 years ago, what works for me then wasn’t putting expenses in my mobile phone, palm pilot, but just in a simple 3” x 5” small notebook and a pen where I can write anywhere anytime, right after dining-out, after loading some gas, after the grocery, inside the car, or practically every after I’ve released money in my wallet. Well… not really every time, but I try to post my expenses before going to sleep or when I wake up. I tend to forget things spent every time I delay in writing my expenses. Additional note, before writing down expenses, compute how much is left for “Cash on Hand” so you’d know if you forgot to list an item or if I released it to somebody else.

When the month ends, I would segregate the expenses into separate columns in a bigger notebook. I have used a columnar notebook or sometimes a simple pad paper. This would enable you to have an idea how much is spent on what or who. Sample segregations would be (just amend according to your family needs) :

* Food – Groceries & snacks
* Utilities - Electricity, water, Gas Range/Shellane, Telephone
* Condo Monthly Amortization - interest expense, condo dues, real
estate tax (common area), Insurance, etc.
* Mommy – toiletries, Health, Clothes, snacks, mobile, books,
accessories, etc
* Daddy - toiletries, Health, Clothes, snacks, mobile,
accessories, etc
* Child 1 - Tuition Fee, Educational Materials, toiletries, Health,
Vitamins, Clothes, accessories, field trips, etc
* Child 2 - Tuition Fee, Educational Materials, toiletries,
Health & vitamins, Clothes, accessories, etc
* Household – Cleaning materials, household items (these are furnitures,
fixtures, kitchen items), medicine, helper 1, helper 2,
Repairs & Maintenance
* Mobilization – Unleaded/Gas, Parking, Transportation
* Car Maintenance
* Leisure – Dining-out, movies, travel
* Family Contributions- J’s parents, A’s Parents
* Insurance
* Taxes – Real Estate, Withholding
* Depreciation Expenses
* Bank Charges

After computing how much is spent on what, you would have a bigger overview on how to budget your expenses, how much would only be spent on what, what should be your priorities in spending, when should it be spent. It would help if you buy an envelope to prioritize according to importance & schedule. For a PHP 60K & below, the simplier like "Envelope System: the better. For 100k & above income, the wife can opt to the “Envelope System” or an Index card to balance check payments & credit cards but it is also good if you use a software system since there are more complicated items for payments like loans, mortgages, more than 1 credit card, check payments or any payments other than cash and more than 2 sources of income. Either systems is ok, the important thing is consistency, discipline and you have a system that works for you.

After doing this manually for a year, I opted to have a software system, stumbled upon Quickbooks 2003 Edition (didn’t upgrade it). It takes me 2-3 hours every week to do posting but it is much easier, user friendly unlike other accounting software systems…. too complicated for me. How can I possibly comprehend accounting softwares, I’m not an accountant. Anyway, Quickbooks 2003 Edition is much quicker since I just post the debit & credit & it does all the reports for me especially the Budget versus Expenses Report where I can instantly view where we had overspend. It segregates everything, for example under “Household” there are 7 other items: cleaning materials, household items, medicine, Repairs & Maintenance, Salary for Helper 1, Helper 2, etc


Tuesday, February 19, 2008

Collection of Quotes on being Happy




The greater part of our happiness or misery depends on our dispositions and not on our circumstances --Martha Washington

Happiness can be defined, in part at least, as the fruit of the desire and ability to sacrifice what we want now for what we want eventually

Proverbs 15:15 The life of the poor is a constant struggle, but happy people always enjoy life.
Proverbs 15:30 Smiling faces make you happy and good news makes you feel better.
Proverbs 17:22 Being cheerful keeps you healthy. It is slow death to be gloomy all the time.

I finally figured out the only reason to be alive is to enjoy it- Rita May Brown

Happiness is not a station you arrive at, but a manner of traveling. - Margaret B. Runbeck.

The secret to happiness is not in doing what one likes to do, but in liking what one has to do. - Unknown

Think of all the beauty still left around you and be happy--Anne Frank



7 Ways to Nurture EQ

I have forgotten where I came across these tips but I still would like to share it with you. This also serves as a reminder to myself.

A lot has been said & written about EQ or Emotional Intelligence & how it can be more important than IQ. Psychologists have warned us not to focus exclusively on our children's cognitive development while neglecting their emotional & psychological well-being. Here are some keys to remember:

1) Be aware of social & emotional development milstones. Like physical & mental skills, emotional skills also have their own timetable, so it helps to learn about them. This way, we can be more responsible to our children.

2) Our parenting & teaching styles make a difference. Studies show that an "authoritative" style, which is a balance between being authoritarian & being permissive works. We have to try and be nurturing and supportive, yet able to set clear and firm limits for our children.

3) Make sure our children's time is well balanced between studies, household responsibilities and leisure time. Try to create opportunities for learning about responsibility and discipline through household chores and try to minimize time spent on TV

4) Encourage your children to nurture and sustain friendships especially when they are 9-12 years old. This is a very important milestone in learning about intimate relationships which they will have as they grow.

5) Spend regular time each day fully focused at play and in conversation with your children. This enhances their self-image and self-confidence.

6) Give children opportunities to solve their problems or participate in family problem-solving. Try not to step in too fast or too soon.

7) The most important way to nurture emotional intelligence is by providing our children with positive role models. Through our own example, we can show them what it means to be caring, compassionate, principles, motivated, goal-oriented, persistent and able to understand and express their feelings.


Saturday, February 16, 2008

My 5 Variable Love profile




Your Five Variable Love Profile



Propensity for Monogamy:



Your propensity for monogamy is medium.

In general, you prefer to have only one love interest.

But it's hard for you to stay devoted for too long!

There's too much eye candy to keep you from wandering.



Experience Level:



Your experience level is high.

You've loved, lost, and loved again.

You have had a wide range of love experiences.

And when the real thing comes along, you know it!



Dominance:



Your dominance is medium.

You tend to be the one with more power.

You aren't a total control freak in relationships..

But of course you don't mind getting you way!



Cynicism:



Your cynicism is low.

You are an eternal optimist when it comes to love and romance.

No matter how many times you've been hurt - you're never bitter.

You believe in one true love, your perfect soulmate.

And if you haven't found true love yet, you know you will soon.



Independence:



Your independence is medium.

In relationships, you need both "me time" and "we time."

You usually find it easy to be part of a couple.

But occasionally you start to feel a little smothered.

Tuesday, February 12, 2008

Awards, Awards!

These are great. Thanks Patricia for the tag!






I'm passing these on to my new blogging friends nawies, tricia, jown, rocks, renz

Friday, February 8, 2008

love quotes

Valentine's Day is just around the corner. For those of us romantic couples, we would always spend time with our better half going somewhere, dining somewhere or just hang around in bed & talk, enjoying each others company. I would just like to share some favorite quotes for the happy couples.


Two who love each other must be friends in the same sense that any two people of the same sex are friends. They want to confide in each other, to talk things over, and to share amusement, ideas, disappointment and grief. They tend to see life in each other's eyes. They are at ease and comfortable with each other, as good friends always are.

Love doesn't just sit there, like a stone; it has to be made, like bread, remade all the time, made new. -- Ursula K. LeGuin

Love is what we were born with. Fear is what we learned here. --Marianne Williamson

You don't love a woman because she is beautiful, but she is beautiful because you love her. -- Anonymous

Marriage is not just spiritual communion, it is also remembering to take out the trash. -- Joyce Brothers

Love does not consist in gazing at each other, but in looking outward in the same direction -- Antoine de Saint Exupery

It's not about being free of strife or doubt. It's not about endless comfort or satisfaction. It is about commitment to stand with, and in, each other to fend off the slings and arrows of real life as they come. Perfection in our marriage is about resiliency to withstand and grow from whatever shows up for us. A great marriage is not when the 'perfect couple' comes together. It is when an imperfect couple learns to enjoy their differences.


Monday, February 4, 2008

Ways to start on solid food for your baby

As a mother of a very picky daughter, it takes so much energy just to try to let her eat everymealtime. Everytime she eats, the food stays inside her mouth for a long time so I would always have to remind her to chew her food, swallow her food. Letting her eat was very hard that there was a time that she really lost weight when she started schooling. I hope mothers out there would find these tips helpful to those whose babies are just starting on their solid food will have better eating habits.



To improve eating:

* serve small portions

* make mealtime pleasant

* help your child recognize hunger

* have your child eat sitting down with the family for at least 1 meal/day

* make her feel in control

* serve it so often so she can be familiar with it.

* have her eat at the table with you

* have her around other children & let her see them eat. It may spark her curiosity & motivation to try it herself.

* timing counts: appetites are keenest at the start of a meal, so offer new foods first & have a backup

* When introducing new food, wait at least 3 days before introducing another one.

* it takes at least 8-10 tries of a new food before it becomes an accepted food. Research has shown that the more often a young child sees and tries a new food the more apt she is to like it. If she rejects new food, you need to repeat your offer up to 15 times, at one week intervals. Don't force your child to eat a new food, but at least 2 bites.

* servings should gradually increase from a few teaspoons to about 2 tablespoons twice a day

* Have your child participate. Accompany her to the market to help choose a new vegetable or fruit for the whole family to try.

*Most kids don't like mushy foods, specially on veggies, start on carrots, yams, squash. Don't overcook for most veggies, color, crunch, and character are preserved with just a brief blanching

* Set a good example yourself works better than pushing her to swallow every bite of strained vegetables.

* When parents get stressed out over toddler's actions, he feels even more powerful and is likely to keep repeating the behavior to get attention. If you don't push her to eat, there's nothing to resist. So to put an end to the battle, don't bribe or beg-- and try to ignore her antics.

* another way to satisfy a toddler's need for control is to give her a role in preparing the meal.


Disclaimer

RISK WARNING: Trading foreign exchange on margin carries a high level of risk, and may not be suitable for all investors. Before deciding to trade foreign exchange you should carefully consider your monetary objectives, level of experience, and risk appetite. The possibility exists that you could sustain a loss of some or all of your deposited funds and therefore you should not speculate with capital that you cannot afford to lose. You should be aware of all the risks associated with foreign exchange trading, and seek advice from an independent advisor if you have any doubts. Past returns are not indicative of future results.
This blog, coffeenchoclate.blogspot.com assume no responsibility for errors, inaccuracies or omissions in these materials and shall not be liable for any special, indirect, incidental, or consequential damages, including without limitation losses, lost revenues, or lost profits that may result from these materials.

End

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