MikeLigalig.com

Mag katawa pod ta ba, okay? Kini oh, para ninyo doha


http://www.youtube.com/watch?v=i2RVu9zRjKA#

Quote from: islander on May 08, 2012, 01:29:10 AM
qualifying for the 2012 London Olympics...


Team Japan

Very beautiful view.

He he he ! cool jamo bitaw ning iroa. De nada, Islas de Filipinas.

To be honest tho, Tita, cute kaayo ang Aussie accent. Labi na ang mga baje.

There is a young Aussie nurse in the hospital I work at. Cute kaajo!

http://www.youtube.com/watch?v=xj4DocgaR4I#ws

http://www.youtube.com/watch?v=3sxt4KK_UD4#ws

What does the Catholic Church teach about "invincible ignorance?" Catholic Answers Director of Apologetics and Evangelization Tim Staples explains.

Tim Staples is Director of Apologetics and Evangelization here at Catholic Answers, but he was not always Catholic. Tim was raised a Southern Baptist. Although he fell away from the faith of his childhood, Tim came back to faith in Christ during his late teen years through the witness of Christian televangelists. Soon after, Tim joined the Marine Corps.

During his four-year tour, he became involved in ministry with various Assemblies of God communities. Immediately after his tour of duty, Tim enrolled in Jimmy Swaggart Bible College and became a youth minister in an Assembly of God community. During his final year in the Marines, however, Tim met a Marine who really knew his faith and challenged Tim to study Catholicism from Catholic and historical sources. That encounter sparked a two-year search for the truth. Tim was determined to prove Catholicism wrong, but he ended up studying his way to the last place he thought he would ever end up: the Catholic Church!

He converted to Catholicism in 1988 and spent the following six years in formation for the priesthood, earning a degree in philosophy from St. Charles Borromeo Seminary in Overbrook, Pennsylvania. He then studied theology on a graduate level at Mount St. Mary's Seminary in Emmitsburg, Maryland, for two years. Realizing that his calling was not to the priesthood, Tim left the seminary in 1994 and has been working in Catholic apologetics and evangelization ever since.

http://www.youtube.com/watch?v=DQccQU5vYuE#ws

http://www.youtube.com/watch?v=sv8TNMaFROY#

he he he!

Kini, si lola and apo:

he he he! maka himomdom pod ko sa bata pa ko, gusto gajod ko kalingaw mo uban ni lolo ciano. Driver man si Lolo Ciano sa ijang Truck, "SALVO LINES" sa una sa Valencia. He used to wake up so early at 5-6 AM in the morning kai mag ready. I remember one time, my cousin Joseph and I woke up early to see our Lolo sitting on the table drinking his cape and eating pandesal.

Ingon mi nija, "Lolo, pwede mo uban mi nimo?"

He put his coffee cup down and looked at my cousin Joseph and I and smiled. Ingon dajon si Lolo, "Sige."

So, for the whole day we drove around with our Lolo. Lolo in the driver's seat in the front, and Joseph and I sitting next to him.

At the end of the day, he treated us with cold coca cola, coconut pandesal, and barbeque chicken.

That's how we used to spend our Saturdays...spending it with our Lolo.

Hiding from the rain and snow
Trying to forget but I won't let go
Looking at a crowded street
Listening to my own heart beat

So many people all around the world
Tell me where do I find someone like you girl

Take me to your heart, take me to your soul
Give me your hand before I'm old
Show me what love is, haven't got a clue
Show me that wonders can be true

They say nothing lasts forever
We're only here today
Love is now or never
Bring me far away

Take me to your heart, take me to your soul
Give me your hand and hold me
Show me what love is, be my guiding star
It's easy, take me to your heart

Standing on a mountain high
Looking at the moon through a clear blue sky
I should go and see some friends
But they don't really comprehend

Don't need too much talking without saying anything
All I need is someone who makes me wanna sing

Take me to your heart, take me to your soul
Give me your hand before I'm old
Show me what love is, haven't got a clue
Show me that wonders can be true

http://www.youtube.com/watch?v=BdCpASsqPuk#

Yes, dako na bitaw sila, pila na ilang edad, Tita? I am happy that they stay in contact with you, in a way Virginia keeps in contact with you through her children. Please kindly send our regards to them as well. Tell them to keep on studying hard!

Tita, download firefox browser through this website:
http://mozilla-firefox.soft32.com/free-download?gclid=CPyezqat7a8CFasBQAodDCvo2A

After you downloaded it, install it. When it finishes install, the link to firefox will be in your desktop screen. Click on it and use firefox as your primary browser instead of using internet explorer etc.

Then i-follow-ha lang ang direction. Ingna lang ko if you need any other help okay?

http://www.youtube.com/watch?v=Nc9xq-TVyHI#

Quote from: LanggamTamsi2 on May 07, 2012, 11:48:01 AM
hmm saon kaha no?.

Use these great image hosting websites: www.imagevenue.com and www.flickr.com or www.photobucket.com

Tutorial for Firefox Browser users only. This won't work in Internet Explorer.

1. Right click a photo you found in a particular website.
2. Choose "Copy Image Location".
3. Paste the image URL in the box where you post a message in Tubag Bohol.
4. Highlight the URL.
5. Click "Insert Image" icon.
6. Click "Post". There you go.

Quote from: TUBAGBOHOL.com on April 21, 2012, 09:55:14 AM

Bahalag Pobre Basta Manggiloy-on

Very beautiful !

Excerpt from page 17:




"Feelings accompany the metaphysical and metaphysical fact of love, but they do not constitute it; and the feelings that accompany it can be very different. Jesus' feelings for the possessed man is different from his feelings for the beloved disciple; but the love is one. Feelings one "has"; love occurs. Feelings dwell in man, but man dwells in his love. This is no metaphor but actuality: love does not cling to an I, as if the You were merely its "content" or objects; it is between I and You.

Whoever does not know this, know this with his being, does not know love, even if he should ascribe to it the feelings that he lives through, experiences, enjoys, and expresses. Love is a cosmic force....Love is the responsibility of an I for a You: in this consists what cannot consist in any feeling-- the equality of all lovers, from the smallest to the greatest and from the blissfully secure whose life is circumscribed by the life of one beloved human being to him that is nailed his life along to the cross of the world, capable of what is immense and bold enough to risk it: to love man. "

An excerpt in page 17 of the book:



"The only guide to a man in his conscience ; the only shield to his memory is the rectitude and sincerity of his actions. It is very imprudent to walk through life  without this shield, because we are so often mocked by the failure of our hopes and the upsetting of our calculations; but with this shield, however the fates may play, we march always in the ranks of honor.

I still regard this passage as the most concise, coherent, and persuasive argument for a strictly honorable life on purely secular grounds."

Quote from: LanggamTamsi2 on May 07, 2012, 11:16:10 AM
E apil nya mig ampo dong, god bless you.

Ugma, Tita. I'll include you and your family pod sa morning mass prayers.

Hope you are doing great!

Here is a prayer for the parents:


Dear Lord! Fill our parents with Thy choicest blessings;
enrich their souls with Thy holy grace;
grant that they may faithfully
and constantly guard that likeness to Thy union with Thy Church,
which Thou didst imprint upon them on their wedding day.
Fill them with Thy spirit of holy fear,
which is the beginning of wisdom;
inspire them to impart it to their children.
May they ever walk in the way of Thy commandments,
and may we their children be their joy on earth
and their crown of glory in heaven.
Finally, Lord God, grant that both our father and mother
may attain to extreme old age
and enjoy continuous health in mind and body.
May they give Thee abundant thanks
because Thou hast bestowed upon them the great gift of parenthood.

Amen.

I am currently reading the book entitled GOD: The Evidence - The Reconciliation of Faith and Reason in a Post-Secular World, written by Patrick Glynn. I'm really liking it so far.


Follow me on the book review.

Quote from: xayoj14 on May 07, 2012, 10:09:22 AM

Big person means those who have positive aura who is willing to change not only himself but also make a change to someone else. Its not all about money but its all about the attitude in approaching things and people.

Me and my mentor will decide who will give a seminar for free to all of you their specifically in financial literacy.

If you and your mentor will offer free seminars to Bol-anons on financial literacy, that would be a noble act.

Perhaps you can share with us here on the essentials of financial literacy. I would like to read about it.


Sincere Thanks,
Lorenzo

What a very interesting thread. Let the discourse begin!

Congratulations Tita !! Please extend our greetings to your granddaughter Lygaia. May Blessings of our Lord Jesus Christ be upon her always. Congratulations to her mother and father as well.

The Avengers

Quote from: islander on May 07, 2012, 01:13:59 AM
korek!  puro bol-anon.

hahaha! mao pod, hilig diay ning Bol-anon mag duwaduwa?

Quote from: taga tigbao on May 07, 2012, 09:23:36 AM
Lamugdong ang langit pero init ang pamati dire sa Manile eh! = May 7, 2012 9:23 am.

Yikes! Sud sa AC room, Vince!

Tita, i like the fact that you have a very green thumb! Pariho ka sa ahong mommy kai mo plant man si mommy sa amohang likod og tomatoes, green peppers, okra, pechay, onions, string beans, egg plant, and mo plant gajod sija sa ijang roses ! hehehe!

When i would go home from college, kalingaw gajod ko mo tabang ni mommy mo cultivate sa ijang garden kai ma lipay sija og tabangan. That and i liked it kai maka bond pod ko ni mommy. Karon, di ko ka tabang as i used to kai naa naman ko diri sa Chicago og si mommy and daddy naa sila sa New Jersey. Mag tawag lang ko nila sa phone and malipay ko og mo ingon si mommy nako, "Hapit na raba ang cultivation season, Doy! Sayang wa ka diri!" hahaha!

Well i'm very happy to hear that you are growing also your peaches too!! Oh, that's one of my favorite fruits raba , Tita.

Yes, you are very lucky gajod nga mo help pod imong brother in law. Aww, maayo lagi kai family man.

Maayo Buntag !

Getting ready to go to Church to attend 11:30 am Mass. Time is 10:44 am. Plano pod ko mo adto sa library to do some readings there.

Wishing all of you guys have a Blessed Sunday. God Bless !


Sincerely,
Lorenzo

http://www.youtube.com/watch?v=fWNaR-rxAic#ws

hahaha! sigoro ang gamaytitoy taga balingshya , pero sure ko ang tigulang taga dimiao.

wow! what time of the year do you harvest the fruits from the apricot tree, nectarine tree, and cherry tree?

i also like how you arranged the stones on the edge of the grass. very nice design.

Quote from: LanggamTamsi2 on May 06, 2012, 04:15:18 PM
weww very cold today..

tugnaw pod diri sa chicago. i don't know why its cold when its supposed to be summer.

In other words, naka tilaw na diay ka sa bajeng jagnanon?

Pahayahay made manifest:

Yesterday, I went to a store called Marshalls with my gf and as we were looking for home equipment (she was looking for wine glasses and a wine rack), i went to the other isle and saw a stuffed frog sitting on a desk. Naka hinomdom ko ni bai hubag , ha ha ha. My gf came up to me and said, "Hoy! what are you doing staring at the stuffed frog? Wanna buy that?"

Ingon pod ko, "Oh no, its too mahal to buy. Just thought of someone thats all."

She kept on asking me who i was thinking of. hahaha!

Quote from: LanggamTamsi2 on May 06, 2012, 01:56:22 PM
Our BackYard.

What kind of trees are those, Tita?

na jati'a na wa man ang link.

ha ha ha!

he he he, klaro kaayo bogolbogolon ning ungoya...

I guess the old saying is true, "If you call them...they will come." 

ha ha ha ha! everytime i go to the mall and see a stuffed frog, or a frog toy, or anything frog-esque, maka hinomdom ko ni bai hubag.

Quote from: Lorenzo on April 27, 2012, 03:36:41 PM


hehehehe...   

hehehe kuyawa lagi da.

I've never, have you, Bai Hubag?

How ironic in the sense that the "Moors" were muslims who occupied southern Spain, and 'Moros' are muslims who inhabit the recesses of Southern Philippines.

Quote from: hubag bohol on May 04, 2012, 09:11:55 PM
A sense of peace is a personal thing. Some get it by doing well in day trading...

Ah, is it akin to the sense some people have in eating Ginamos de Dimiao or Ginamos de Valencia?

Quote from: islander on May 04, 2012, 02:52:04 PM
it did, i swear(!) it did.  and it truly was not of this world.  i hope to be able to open up and hold on to such grace, always.

He he he, keep at it, isles....

Quote from: islander on May 06, 2012, 01:29:53 AM
wa ko kaabot niya, but recently i did nothing but read her posts and the posts about her, obituary included, up to the wee hours of the morning.  she's a great girl.  nakahilak intawon ko nga wa damha. 

For Whom The Bell Tolls 

No man is an island,
Entire of itself.
Each is a piece of the continent,
A part of the main.
If a clod be washed away by the sea,
Europe is the less.
As well as if a promontory were.
As well as if a manor of thine own
Or of thine friend's were.
Each man's death diminishes me,
For I am involved in mankind.
Therefore, send not to know
For whom the bell tolls,
It tolls for thee.   

                          -John Donne

Isles,

She was a very loving and good-hearted lady. We talked about her family and my family and the importance of showing love to one's mother. She told me one time via public post as well as through PM , "always show love to your mommy, lorenzo". I cannot help but have a sense of sadness in the fact that her own children have been without their mother for these past 4 years. She was a very kind lady, isles. As what Mike Ligalig said, "she was the heart and soul of Tubag Bohol". That she was, and that she is.

I wish you could have met her, isles. But somehow, i'm sure you have met her in a way through her posts.

Tita,

We all miss her very much. TB is just not the same without her.

hahaha!

ha ha ha! so cute.

Quote from: LanggamTamsi2 on May 05, 2012, 04:07:15 PM
Hello Tita! Welcome back to Tubag Bohol! And yes, thank you for your message....

Dong Lorenz, thanks for welcoming me back in TB.. Mag study na pod ko kay nalimot kog unsaon pag share sa mga pics nga akong giupload, wewww galisud ko.

he he he he! if you ever need any help, you can always ask me here in the forum or in PM. but to post pictures, you paste your picture's URL onto the forum.

how are you doing ? kumusta naman ang life nimo dinha sa australia? i think it's been some 2 years since i last talked to you.

May God bless him !

In this case, the apple of mommy's and daddy's eyes.

The imprinting process.

http://www.youtube.com/watch?v=B47_7agcTH0#ws

Quote from: islander on May 04, 2012, 04:41:03 PM
while i love all the songs of the cascades, there's always something like prima inter pares, hehe.  'there's a reason' is my most favorite.  please listen to the violin accompaniment, plucking part included, lorenz.  supercalli gyod. 

http://www.youtube.com/watch?v=IYXzzrDoH2U#

Am listening to this right now, Isles. Very nice ! Thank You.

Quote from: islander on May 04, 2012, 04:54:46 PM
hahaha!  here i am, having it both ways, an astronaut and a cat at that.  eat your heart out, islander. thanks, thanks, thanks, lorenz.  may many meows of graces be showered upon you!

Awww, you're welcome , Isles. I'm glad you appreciated it.

Just for you:

Quote from: hubag bohol on May 04, 2012, 09:55:27 PM
We are the world...

Quote from: islander on May 04, 2012, 11:58:50 PM
we are the children...

We are the ones who make a brighter day
so let's start giving....

Quote from: LanggamTamsi2 on May 05, 2012, 12:16:48 PM
undang na mog lalis ana oi, kamo lay sakitan sa inyong dughan smile people..

Hello Tita! Welcome back to Tubag Bohol! And yes, thank you for your message.

Quote from: hubag bohol on May 05, 2012, 02:32:28 PM

In the words of my patient i had today, "Fo shizzle ma dizzle"

Quote from: islander on May 05, 2012, 11:36:20 AM
so am i perfectly comfortable with the idea of miracles.  science can only do so much.  i don't really need an explanation for everything.  great article.  thanks, lorenz.

You're always welcome, Isles.

Quote from: alycxs on May 05, 2012, 02:17:23 AM
Unsa pa ! When I was in college, they say "Bahalag Saging Basta Loving". TOINKS ! Maybe I was a little ambitious. I don't consider money to be everything but it is a great tool to have in life. Alangan man ug pabug-at ra ka to those people around you. Soon, even those who love you dearly would buckle under that burden. Mas maayo pud nang you can stand on your own, and if you have more to spare, then you have a choice to share. If you don't have anything, you can't share anything.  Although it has to have a balance too. Anything in excess is dangerous.

Anyway, this brought up a short anecdote Mama told me. During my Papa's heyday, he loved to "treat" people. Even total strangers. Hi personal favorites were those old merchants who sell things door to door. No not the expensive stuff. Fishwoman with her bucket of fish, the taho guy, the balut guy, down to this older woman who was selling this wood carved storage things.  Papa would buy them out and give their stuff to his friends or to our relatives. He bought out  a taho guy once and I swear I wasn't gonna eat Taho for a year ! then there's the balut guy. He bought everything and called the istambays and gave them free balut.

Mama told him that he was very "pasikat" and "hambugero" and to stop spending money. He said "Dili man nako magasto-an or mabangkahan ang Ginoo, sa iyaha nalang mga anak ko mo-bangka".  So for Papa, that was his way of thanking God and making his fellow man happy. Buying in excess of what he needs and sharing it to the family , friends and neighbors.   To the merchant, he was a blessing , to the istambays, a free snack and sometimes, when he buys out the entire bucket of fish (ginamos, bolinaw etc), our family and few neighbors get a nice dinner. :-)

he he he ! sentimental man gud ni si Lolo, i guess i get that aspect from him. Thank you , Alice, for sharing with all of us the loving and expressive being that your papa has. Yes, he's right...it's always good to give back from time to time.

Quote from: hubag bohol on May 04, 2012, 09:07:30 PM
He he, Sigourney Weavilander...

ha ha ha ! oh i didn't forget about you either, bai hubag. I had found something that you would've loved. I took a picture of it when i visited an antique store several months ago. I'll post it later. Gotta get going now kai ma late na ko sa trabaho.

http://www.youtube.com/watch?v=ecX0OdXxlRI#

http://www.youtube.com/watch?v=_nHxt2Bvu4k#

http://www.youtube.com/watch?v=So89hGfDP3Q#

http://www.youtube.com/watch?v=B5KfmWbHteY#

Beautiful song and video.

http://www.youtube.com/watch?v=sza4rh1YzsM#

Quote from: chicogon on May 04, 2012, 03:57:22 PM
Great story, Bran. Way gyod tay ikabawos sa sakripisyo ug kasakit nga giantos sa atong mga parents para lang ta mapahuman (kitang mga anak) sa pag eskwela. Personally, my only hope to repay them is by by doing the same for some family members and others... and being good to them as I can. 

Father,

And the abundance of good graces comes back to us gajod when we help those who are needy. I was so very touched gajod to hear of your help , and yes, truly our Loving Lord works His wonder and shows His Love through the actions of people who exemplify that Love. Keep it up gajod, Father R. You really inspired me.

Tinuod gayod nga ma dungog intawn ang GINOO sa giampohan sa mga tawo. It is amazing how He works His wonders....

God Bless you always, Father R. May God always bless you and continually pour His graces onto you.....in Jesus Name, Amen.

http://www.youtube.com/watch?v=DcF75h4BHk8#

http://www.youtube.com/watch?v=0BILQsrutrs#

http://www.youtube.com/watch?v=Zz-DJr1Qs54#

http://www.youtube.com/watch?v=G6Kspj3OO0s#

http://www.youtube.com/watch?v=gmF_bG5IVnM#

Sometimes, one can be wealthy within oneself and not according to outward appearance or outward riches. This is, indeed, true. Sometimes we tend to compare ourselves to how much others make, what kind of car others drive, how big others' houses are etc etc. But the true wealth is in how you feel content with yourself, the joy you have in your life.

A person can be a millionnaire and despite his or her millions, his abundance in materialistic wealth, still not be satisfied and still be not content with life. A person can have materialistic wealth , yet incapable or unable to have joy.

A person can be poor in terms of materialistic gain , yet be content and filled with inner joy due to successful investment in children. A specific example of this was when I was in Southern Leyte 2 years ago to visit my distant relatives in my father's side. As i drove from the port of Maasin towards my father's parents' hometown of Padre Burgos and Pintuyan, Southern Leyte, I could not help but observe one characteristic of Leyte -- the vastness of the coconut trees.

I had stopped by near Sogod, Southern Leyte to purchase some food to bring to my relatives in Padre Burgos. I met this old man who was selling coconut meat as well as other fruits, bags of rice etc. He was an old businessman. What was originally supposed to be a basic transaction ended up almost an hour-long conversation about life and about his children and family struggles. This man, a simple business guy, was proud of the fact that his son had recently graduated from CIT's Civil Engineering Program and had passed the engineering board exam. The man started to cry when he was describing how hard it was to save enough money to send his son to college, he ended up selling some of his land, but he was able to send his son to college. To me, what i saw in this man was the "contentedness" he found and the "joy" he had found in knowing that his investment in his son's education had paid off. That man had sold 5 hectares of land filled with coconut trees in order to pay his son's tuition. How beautiful it is to hear of a father's love for his son.

I will always remember that high quality conversation with him.

http://www.youtube.com/watch?v=Qt2mbGP6vFI#

http://www.youtube.com/watch?v=eDdI7GhZSQA#

Reading this thread, I can't help but remember a conversation I had with my Lolo Ciano back in 2010. It was my birthday when my lolo came up and told me something that I will never forget. So i have committed it to memory; that and the fact that what he said made us both laugh (very hard!). Jokester jokester man gud ni si Lolo uy!

He said to me (in his very soft and grandfatherly voice), "Ondoy BranBran, ajaw gajod pagastogasto daghan kai dali ra ma wa ang kuwarta. If you got no money, den you got no honey. No money, no honey!" bwahahahaha!

Perting katawa gajud mi duha. 

Quote from: chicogon on May 04, 2012, 03:06:40 PM
Very commendable style (or philosophy) Alycxs. It takes real wisdom and guts to do what you've done (savings bonds). I know of someone very close to me who invests with savings bonds (sa una para sa iyang mga anak and later for grand kids) - doing it in the last 60-70 years. It really takes patience but it's always a sure bet, close to Lorenzo's style (CDs and Savings). Of course, the more risk you take, the bigger possibilities/potential it would usher one (good or bad)... sa dunay guts ra gyod na and those with a little to spare. These are all commendable especially if you hit big time (and they will call you a visionary for that). If not, mohiganhawa lag lalom and whisper, "Oh, well... I tried." Like many in life, it's a gamble. And only gamblers win (at times). But for most people... hoping na lang to stay healthy para wala kaayoy gastos... and kakha tuka, too (living from check to check), hoping to limit expenditures to the minimum/one's basic needs. And to the less fortunate, aw, Ginoo na lang pod bahala nila, hehehe. I'm sure there's enough for all of us. 

Amen, Father R! As they say, "If you've got health, you've got wealth."

I decided to visit Ravenswood, a neighborhood in Chicago during my lunch break earlier today and wandered into an eclectic art store. There I found a picture that reminded me of Isles. So, isles, i took the photo just for you. Here it is.





Addendum: When i saw this picture, i automatically thought of isles who said, "i would've been an astronaut" in another thread. I took a picture. Luckily for me the art store owner didn't make a big deal.

Happy Birthday to Tubag Bohol Dot Com. My home away from home these past some 5 years. I've made many good friends here. I've enjoyed the lifelong learning opportunities and the forum to communicate and interact with so many brilliant,  vibrant and eclectic group of people.

Quote from: alycxs on May 03, 2012, 08:09:40 AM
Sayang ang mga ideas ni Ron Paul is so out there. Dli siya mo appeal sa kadaghanan. Mao lagi, preha ra gud ug singer, dli man ang kina nindutan tingog mo sikat, kadto mang kamao mo pasikat. :-(

Ah yes, Ron Paul is the best candidate gajod. I like his sound fiscal plan.

Advancing one's educational expertise is always a good strategy, Alice. In this world, it is beneficial to acquire further education. Keep it up gajod. I am a big supporter of educational investment. Kai, if one wants to invest in something, the best place to start is in investing in oneself.

Padayon!

Quote from: alycxs on May 04, 2012, 02:13:28 PM
Just food for thought..

In 2007, my cousins who live in TOm's River, NJ visited us here in Houston.

Apparently, where they are, BSN RNs start at 28/hr night shift. In Houston, around $25/hr that's a $3 difference.

According to them, my 2 story, 2,000 sqft 3br2.5ba brick home is around $400k in NJ. The Woodlands is one of the more upscale areas in Houston and we got it for $150k.

heheh ! We never had a housing bubble and Texas has the Texas Medical Center. Oh, easy to visit Pinas too...From Houston-Bush to Narita to Manila. or go thru Houston-Hobby to LA then MNL. Houston is one of the few cities that is still hiring. there's lay-offs but lots of hiring too. Companies like Shell, Chevron, TOtal, Schlumberger are still recruiting heavily at U of H.

Food craving...I'm not even gonna start. its a yum party with more than 5 filipino buffets. :-) it might be a good financial move.

downside, winter is far too short. My furry boots gets used twice a year TOPS :-(

He he he ! Sobra ra ka congested ang New Jersey kai gamay ra ang lugar, pero daghan na kaajo ang tawo didto. Pero, lami ang pay didto. I grew up in Cherry Hill , New Jersey , guwapo ang location kai very typically suburban, pero too congested lagi.

If you are a veteran nurse, you can easily make $45 - $50 an hour as an RN in New Jersey. The taxes in New Jersey is high, tho, and the cost of living is a lot.

Tinuod ka, Alice, about the housing situation in New Jersey. A 4 bedroom house with 2.5 bathrooms in NJ will cost anywhere between $300,000 to $400,000. Mahal ra kaajo.

A 5-6 bedroom mansion in Katy, Texas costs $250,000 , which is pretty good price. The same mansion in New Jersey would be worth $1 Million +.

I'm sorry, isles, to hear of the circumstance that you described. I can truly empathize with you and relate to your situation. All i can say is that the peace one receives,  a sense of outpouring of Divine Grace, when one observes the sacrament of the Eucharist in Eucharistic adoration ....transcends any notion of verbal explanation/ expression.

The peace of God permeates and abides in one's soul during Eucharistic adoration gives you a sense of peace that is not of this world.

Quote from: alycxs on May 04, 2012, 01:33:46 PM
Lorenzo, what you say is right. It is definitely what my Mama and Papa had planned and done. When my Papa lost his job due to his illness, they went from living very comfortably to living on only 1/8th of the former income. If my parents were in perfect health, they wouldn't be in trouble, but seeing as health insurance is almost non-existent in the PI. (yeah, I know, there's some sorry form of it), they struggle from time to time. Good thing I'm blessed to have a good job so I can help out.

Mama is very cautious. From when I was little, they saved and invested in lots. Its not very liquid, I know, but it sure helped out in a pinch as collateral to the bank. She also invested in Marcela Bonds from Plaza Marcela which used to earn 10% per year and gave her a 6% commission discount. Through the years, there was Forever Living, PhilKraft, DXN...name it, my Mama tried it and didn't work out too well. Always fell back to Marcela Bonds and her regular government job. Papa on the other hand, made lots of money as a sea man captain. He spent a lot too, if not for Mama's constant nag to save. Which he did. grudgingly.

The point to this story is that, with risk comes reward. Its just a matter of what kind of risk are we comfortable with.

When I was 18, Papa gave me $100 for my Christmas present. At that time, the exchange rate was P55 to $1. I promptly took all the money and invested it in Plaza Marcela. Unfortunately, from 10% interest a year, it fell to 6%. Sucks but when you consider most banks only pay 2% at most 4% for savings, I was still ahead. I then used the credit line that came with the bond and the 6% interest to get the things I wanted with 3 months to pay it back while earning interest.

In thesame year, my math teacher from HNU (shameless forgot her name), lent me a copy of Robert Kiyosaki's Rich Dad, Poor Dad. It gave me a whole new perspective on investment, passive income and consumption. Man, I see her face in my mind, I can't remember her name. She had wanted to recruit me in a pyramid numismatic gold coin business, but she ended up inspiring me to do the Marcela Bonds and indirectly, what I'm doing today. Flipping houses, Remodelling and renting out foreclosed homes we bought, and even branching out to ICM Bonds and adding to my Marcela Bonds.

Hinay-hinay lang gud. It will get there.  I tried DXN MLM selling coffee and what have you. Didn't make too much but at age 19 and making around P5,000 in 2002, that was pretty good. I think. I also tried skin botanicals MLM, but all soaps. Not much, around an extra P2000 tops a month. still not bad for a 19yo. My Marcela Bonds grew from P5,000 to P8,000 in 8 years that I left it alone. P375 a year, without doing anything. Nothing to write home about but still, effortless money is effortless money. It could've made more probably if I was there managing the POs and collecting but its ok.  I did add a little bit to Marcela Bond and started an ICM bond too. Still ahead of the banking and savings rate. It will take time to grow but its still earning passive income.

All the rent houses we have are passive income too...after the initial 2-3 months worth of work(meaning supervising the contractor). This leaves me with time to spend with Ryan, keep house, call Pinas every other day, call Auntie, cousins telebabad...and have time to dedicate to our HomeVestors franchise and flipping houses. Yep, also time for going back to school to get my second major. hehehe ! Bahala ug tag 2-3 subjects ra. Hinay-hinay, mahuman ra lagi ni puhon. On the upside...I get to go to Bohol every year. Twice on a good year. hehe ! I'm happy.

I guess if Mama's risk tolerance is 2 from a range of 1-10, mine is around 5-6....sir Balong's is at 10. IMHO. those things he's talking about scare me stiff. I'm likely to lose everything.

Hopefully, someday, when Ryan and I get old, we won't have thesame problems my Mama and Papa have with just relying on their savings and getting into tight spots over medical bills and emergencies. I'm praying we'll have enough to be comfy for the rest of our lives and have some left over for the kids to fight over our graves ahahaah !   bahala ug dli diamond coffin. kanang kahoy ra gud para fertilizer apil. :-)

Alice,

I read your posting top to bottom 3 times, and would like to say that maayo gajod nga hilig imohang mama mo tigomtigom. It is so very important to save, Alice, because in the case of health issues and the unexpected challenges that life sends our way, its always good to have something to lean back onto; financial security helps.

I empathize for your parents and the health issues they have, but what is evident is that they raised a child that is capable of steering her own ship's wheel (just like your father who was a sea captain) in terms of fiscal responsibility. I also like your phrase, "Hinay hinay basta kanunay..." kai tinuod gajod na. The best growth is a steady, and gradual growth, okey lang if ma dugay, basta mo grow. It is commendable that you help your parents and your family and give back to those who are important in your life. In the end, it reminds us that it really is not the money one made in life, but the teaching and the transmission of character to your children. The success of one's child is the crowning glory of parents.

Keep up your good work in helping your parents ! May God bless you !

Additionally, good job on going back to school and finishing up your second major. Mao na ! Investing in the best thing -- education. That is something that no one can ever take away.

PS. What are you studying right now?


Sincerely,
Lorenzo