MikeLigalig.com

Research designations.

There are many certifications and “professional designations” out there (you may see a bunch of two-, three-, or four-letter initials after your potential advisor’s name), but what do they mean? Find out! Some require a great deal of education and training, while others may require only a few hours of webcasts to achieve.

For more information on designations, visit the FINRA website’s professional designations tool at http://apps.finra.org/DataDirectory/1/prodesignations.aspx
 
Your Financial Professional may have a significant impact on your future. You owe it to yourself to spend some time finding some one you feel you can trust. -- http://www.montoyaregistry.com/

Look for someone you get along with.

It may seem unimportant, but this is someone you may be working with for a long time on something that’s very important. You should choose someone whose personality and communication style are to your liking.

Don’t be afraid to ask tough questions.

“How long have you been in business?” “What is your educational background?” “What are your certifications or designations?” Ask every question you want to know and make sure you get the answers you’re looking for. This is, potentially, someone who may have a profound influence on your future. It’s no time to be shy.

Ask for and read a potential advisor’s code of ethics.

I’m not saying this will be an enjoyable task, but it may be very worthwhile. You should be clear on exactly what code of ethics your potential advisor must abide by. Look specifically for language regarding acting in the best interest of clients.

Specific needs? Look for someone who specializes.

Keeping track of everything for everyone is difficult no matter what the field. Focusing and specializing in a particular area allows some advisors to become very well-versed and experienced in the needs of certain clients. Their aim is to excel at one thing, rather than be merely “okay” at everything. For example, some specialize in the needs of educators, others in the particular requirements of medical professionals, while still others may focus on a specific demographic or net worth. Consider seeking out a professional whose specialty matches your needs.

Should I be scared of all advisors?

Absolutely not! There are many, many excellent financial advisors out there who are truly dedicated to the needs of their clients. The key is to be savvy when selecting YOUR financial advisor.
 
What should I look for in a financial advisor?

That’s really up to you, but here are a few things that might help you along the way …
 
Consider an “independent” advisor.

What’s the difference? An independent advisor is not limited to certain investment products he or she is expected or encouraged to sell â€" that means they are free to seek out investments based on your needs.

A financial advisor has to put my interests first … right?

Not necessarily. You may find that some financial advisors are really only familiar with certain investment products they are encouraged to sell. In fact, by law, their only requirement is not to sell you a product that is wholly inappropriate. They have no legal obligation to act in your best interest. To clarify â€" if your financial advisor were a car salesman, he couldn’t legally sell you a car he knew was inoperable. But he’d be totally free and clear to sell you a vehicle that, while operational, he knew was not truly the best fit for your needs.

What qualifies someone to be called a financial advisor?

Actually, just about anyone doling out financial advice can call themselves a financial advisor. There are no specific requirements in terms of education or experience. The United States does not currently regulate the use of the “financial advisor” title.  However, someone charging a fee for this service must pass certain FINRA (Financial Industry Regulatory Authority) exams.

Qualified advisor? Or glorified salesperson? If you’re considering seeking the assistance of a financial professional, you need to know the difference.


What does a financial advisor do?

Well, that depends on the advisor. A good advisor should help you make asset allocation decisions, diversify, find balance … in other words, “advise” you. While an advisor may offer constructive investment suggestions based on an overview of your current financial situation and future goals, you should not expect an advisor to prophesize on market movements or magically pick stock “winners”.

Admittedly, Mr Aquino hasn't made any major mistakes. One retired American diplomat admired his handling of the recent Sabah incident, but like a lot of things in the Philippines, it is always important to look beyond the fluff.

A five-hour power blackout - the forgiving Filipinos call them brownouts - across Luzon on May 8, seemed like a telling reminder from his mother's presidency that reality is never far from the surface. -- thane.cawdor@gmail.com

The enterprising overseas worker may well be a hero in his homeland. But few Filipinos look at the other side of the coin, mulling over the social cost involved for one-parent families and why jobs can't be found for the cream of the national workforce.

The US$16 billion BPO industry evolved on its own as well, with foreign private companies reaping the benefits of moving supply management services offshore to the Philippines and other less developed countries.

That's one of the main reasons why the nation's per capita income growth rate of US$3,700 lags well behind neighbouring countries like Malaysia (US$16,900), Thailand (US$8,600) and even Indonesia (US$4,300) with 21/2 times the population.

The economy has essentially been saved by strong overseas foreign worker remittances, which last year topped US$21 billion, and a booming business procurement outsourcing (BPO) industry.

If the church diverted some of the money it repatriates to the Vatican each year to help fund a nationwide social safety net, it might have a leg to stand on. But it doesn't. Instead, it stands happily by as the population bomb continues to gather strength.

With poorer families having little or no access to contraception, the Philippines has the highest fertility rate in East Asia - an average of 3.1 births per woman of fertile age - and a population growth rate probably higher than the official 2.2. per cent.

Mr Aquino does have some solid people around him, especially on the finance side. And to his credit, he does listen to his top advisers, even if the people who know him well tend to see him as "shallow and immature", with the attention span of a gnat.

Both Houses of Congress approved the so-called RH Bill on Dec 17 after a 14-year campaign to obtain state funding for birth control in the face of opposition from the Catholic Bishops' Conference of the Philippines.

A similar coming together occurred after the fall of President Ferdinand Marcos. The elite looks after its own, though Mr Aquino has drawn the line at the Marcoses, given the role they are perceived to have played in the assassination of his father in 1983.

He has vowed to block the ambitions of Marcos' 83-year-old widow, Imelda, to put her senatorial son, Ferdinand Jr, 55, in power. He has also fast-tracked a long-dormant bill compensating thousands of human rights victims of the Marcos regime.

The same families were all there again when the Philippines went to the polls for the mid-term legislative elections on May 13. These elections, in which Mr Aquino's Liberal Party exceeded expectations, are regarded as an early indicator of who will follow him into Malacanang Palace.

"Filipinos believe in the 'clean' image of Mr Aquino so they don't see the real picture in which the same people are running the country," says one Filipina friend. "Same names, only different affiliations, even old enemies in the same parties."

Elsewhere, nothing has changed. A tight circle of dynastic families, some having held power since the Spanish colonial era, continue to dominate the political and business landscape, leaving little opportunity for the new and enterprising.

Forbes Asia estimated that the collective wealth of the 40 richest Filipino families grew from US$34 billion (S$43 billion) to nearly $48 billion in 2010-2011. This is equivalent to 76.5 per cent of the country's overall increase in gross domestic product in the same period.

Essentially, they say, the 53-year-old unmarried leader and his incorruptible image is the creation of his television-star sister, Kris, whose "rich kid" antics when I lived there often made me reach for the sick pills.

Despite the kudos her brother gets on the economic front, poverty levels have stayed stubbornly the same - and may even have increased - and unemployment remains higher than ever. In other words, the "trickle-down" effect has been zero.

The latest Pulse Asia survey results still give Mr Aquino a startling 72 per cent approval rating, just behind Vice-President Jejomar Binay, who is favoured to succeed him at the end of his mandated six-year term in 2016.

But is it all for real? People whose judgment I trust are putting much of it down to luck and to a clever public relations campaign in a country known for its weakness for populist policies and an obsession with celebrities.

The economy finally seemed to be on track, humming along at a region-high 6.6 per cent. Just as surprising was the way Mr Aquino squared off against Catholic Church conservatives over the Reproductive Health Act, which he signed into law last December.

That and the passage of the Sin Tax Reform Act, raising duties on alcohol and cigarettes, were unquestionably major political achievements. More so than the low-hanging fruit represented by the corruption cases against Ms Arroyo and Chief Justice Renato Corona.

So when the democracy icon's son Benigno "Noynoy" Aquino III, was elected to take over from disgraced predecessor Gloria Macapagal Arroyo in June 2010, I was probably not alone in thinking it would simply be more of the same. Perhaps even worse.

From a distance, however, a man who had already spent 12 years in Congress without causing as much as a ripple seemed to be shaping up as a surprise package, someone from the notoriously selfish elite who cared and was getting things done.

By John Mcbeth
The Straits Times
Sunday, May 19, 2013





During the four years I spent in the Philippines in the late 1980s and early 1990s, I developed a healthy distaste for the ruling elite, exemplified by the inept leadership of President Corazon Aquino, who dragged her feet on key reforms and left us without power for 10 hours a day.

Quote from: chriswise on May 18, 2013, 10:16:08 PM

Lazy Sunday!

Quote from: chriswise on May 18, 2013, 10:16:08 PM

Hmm, blessing the food?

Quote from: Lorenzo on May 15, 2013, 06:09:46 AM

He he, self-denial to the max...

Ms. Islander, the cat who wears a skirt (nga tagoanan sa mga dinaogdaog)

Quote from: vhinz08 on May 17, 2013, 05:40:55 PM

Stupid Game: The Idiot Test

Try to prove you're not an idiot by following basic directions.

He he, wa uroy panumbalinga ni nga thread...

Here we are!

Congrats!

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

My Sunday prayer...

In 1986, the television show experienced a revival, which led to a series of reunion tours and new records. Up until 2011, the group has reunited and toured several times, to varying degrees of success. Despite the untimely death of Davy Jones in February 2012, the surviving members reunited for a brief but critically acclaimed tour in Novemberâ€"December 2012, with future dates planned for Summer 2013.

The Monkees had a number of international hits, including "Last Train to Clarksville", "I'm a Believer", "Pleasant Valley Sunday", and "Daydream Believer". At their peak in 1967, the band outsold both the Beatles and Rolling Stones. As of 2012, their albums and singles have sold over 65 million copies worldwide.

Described by band member Micky Dolenz as initially being "a TV show about an imaginary band [...] that wanted to be The Beatles, [but] that was never successful", the actor-musicians soon became a real band. As Dolenz would later describe it, "The Monkees really becoming a band was like the equivalent of Leonard Nimoy really becoming a Vulcan."

For the first few months of their almost five-year initial career, the four actor-musicians were allowed only limited roles in the recording studio. This was due in part to the excessive time spent filming the television series, which in turn limited the amount of time available to the group to rehearse and coalesce as a band. Nonetheless, Nesmith did compose and produce some songs from the beginning, and Peter Tork contributed limited guitar work on the Nesmith-produced sessions. They soon fought for and earned the right to collectively supervise all musical output under the band's name. Although the sitcom was canceled in 1968, the band continued to record music through 1971.

The Monkees are an American-British pop group that released music under their original incarnation between 1966 and 1970, with subsequent reunion albums and tours in the decades that followed. Assembled in Los Angeles in 1965 by Robert "Bob" Rafelson and Bert Schneider for the American television series The Monkees, which aired from 1966â€"1968, the musical acting quartet was composed of Americans Micky Dolenz, Michael Nesmith, and Peter Tork, and Englishman Davy Jones. The band's music was initially supervised by producer Don Kirshner.

The Monkees, left to right: Micky Dolenz, Davy Jones (sitting down), Michael Nesmith, Peter Tork

Prayer to go to Paradise with the Donkeys


When the time comes for me to go, Oh Lord, make sure
It’s on a feast day when the countryside is celebrating
And the wind whirling up the dust. And just as I did here below,
Let me take a road of my own choosing when I go to Paradise,
Where the stars are out in the middle of the day.
I’ll take my walking stick and I’ll take the high road
And I’ll say to my friends the donkeys,
My name is Francis Jammes and I’m going to Paradise
Because there’s no Hell in God’s good country.
And I’ll say to them, come along with me,
Dear, tender friends of the blue sky, poor dear beasts
That ward off flies, blows and bees with a flick of the ear.
And when I come, may it be in the company of these beasts of burden
I love so much because they bow their heads gently
And put their little feet together when they draw to a halt.
So sweetly and gently it goes straight to the heart.
And I’ll come followed by thousands of the ears of the ones that
Lugged wicker baskets on their flanks,
Dragged the carts of circus acrobats
Or carts with feather dusters and tin cans
Or those with battered water bidons
And she-donkeys, broken-stepped, stuffed full as goatskins
Or those they draped in pantaloons because
Of the blue suppurations made by the
Stubborn flies caked round the wounds.
Dear Lord, make sure I come to you with these donkeys
Make is so that, in all peace, angels accompany us
To bushy streams where cherries tremble like
The laughing flesh of maids
And make it so that, prostrate in this resort of souls
Now on your divine waters, I’ll be just like the donkeys
Contemplating their gentle humble poverty
In the limpidity of your eternal love.

Francis Jammes  (1868-1938)

The Sugbuak bug strikes again! Hmm, unsa kahay tumong ani ug sa susama ani nga initiatives?

“I will work hard to continue to deliver basic services to our people, attract investments, create jobs, provide quality health care, light up our streets, widen and maintain our roads and keep our place safe and secure,” pasalig ni reelected Mayor Radaza.

Una nang gibutyag ni Congresswoman elect Aileen Radaza nga ang unang balaudnon nga iyang ipalabang sa Ubos sa Balaoranan mao ang paghulma sa Probinsiya sa Mactan, karon nang buwan sa Hulyo.

Sa laing bahin, ang dakbayan adunay annual budget nga P1.5 bilyones diin ang P600 milyones niini gitagana alang sa programs ug project samtang ang 45 porsiyento alang sa mga suholan ug operating expenses.

Sa higayon nga magmalampuson ang maong plano, kahatagan og oportunidad ang ubang mga lider nga makaserbisyo sa publiko.

Nasayran nga moabot na ngadto sa 44 ka mga elective position alang sa Probinsiya sa Mactan naglangkob sa gobernador, bise gobernador, 2 kongresista, tulo ka mayor, tulo ka bise mayor, 26 konsehal ug walo ka board members.

Nagtuo ang chairman sa Liberal Party (LP) Lapu-Lapu City chapter Efrain Pelaez nga supakon sa mga Sugboanon sanglit lain na usab kini nga Sugbuak.

Base sa giluwatan nga press statement ni Pelaez nga ang gikinahanglan sa Lapu-Lapu mao ang “transparent governance, effective management and passionate leadership”.

Nisugyot ang naparot nga mayoralty candidate nga ang angayan nga atimanon sa mga Radaza mao ang pagtubag sa mga pasangil sa kurapsi­yon.

SuperBalita Cebu
Ni Flor V. Querubin
Saturday, May 18, 2013


GISAWAY sa Liberal Party ang tinguhang paghimo og probinsiya sa Mactan gikan sa dakbayan sa Lapu-Lapu ug dili maoy tubag sa mga suliran nga giatubang sa dak­bayan.

Samtang, ang kampo ni Lapu-Lapu City Mayor Paz Radaza ug Kongresista Aileen Radaza mipasalig nga sa higayon nga mamahimong probinsiya ang Lapu-Lapu, mousbaw ngadto sa 50 porsiyento ang kita nga magamit sa pagtunol sa mga nag-unang serbisyo.

Bwahaha! Peke man diay armasa...

Naay gamay to si McCarthy. Donkey-headed ang kanahan.

Quote from: taga tigbao on May 17, 2013, 11:03:46 AM
Mas indication ni of the morals and values degradation.

Hmm, wa tingali diay simba-simba ning mga tawhana, mosulod lang sa simbahan aron makadelihensya...

Quote from: Votives on May 17, 2013, 10:04:46 AM
graveh na gyud... wala nay pilion...

Tingali gakutoy na jud tawon ang tiyan? Mangayo na lang kaha unta siya, naa bayay tigpanghatag...

Bwahaha!

Quote from: Candijaynon on August 08, 2009, 05:07:30 PM
Mga unggoy jud noh, way good manner and right conduct. Hahaha....

Quote from: Koddi Prudente on August 08, 2009, 05:23:38 PM
Speaking of unggoys, tourist attraction na na sila ila ka Janjan nga baryo. Sigi la'g panghabal tong unggoy nga bungi.  Maong midaghan.

Quote from: mistyeyed on August 08, 2009, 05:41:15 PM
Ah mao diay,kadtong unggoy wa na siguro toy pili bisan kinsa kay puslan man ug na bungi na.

Quote from: Raquelproud boholana on August 08, 2009, 06:27:10 PM
Katawa man pud ta aning unggoy nga bungi,bungi pa perti pang uwaguna.

Hain na kaha ning nga superstara ron, buhi pa ba kaha...

Dugang ni Pepito nga padulong ang duha sa barangay hall sa Kalunasan.

Apan sa ilang pag-abot sa Opra Road, kalit lang nihunong ang gunman ug gipusil patay ang biktima tumong sa tuong mata.

Human sa insidente, nisibat pagdali ang gunman sakay sa iyang motorsiklo paingon sa Cebu City Jail.

Gidala sa Vicente Sotto Memorial Medical Center ang biktima apan gideklarar nga dead on arrival sa doktor nga nag-atiman.

Nakuha sa crime scene ang usa ka basiyo sa kabhang sa caliber .45 pistol ug Nokia cellular phone.

Matod sa impormasyon nga nakuha, posibleng adunay kalambigitan sa drugas ang maong panghitabo.

Nagpadayon pa gihapon ang imbestigasyon sa kapulisan. Grace Alicamen/ Hazel Niña Jorge-CNU COmm. Interns

SuperBalita Cebu
Saturday, May 18, 2013


USA ka babaye giunay pagpatay sa driver sa motorsiklo nga iyang giangkasan niadtong Biyer­nes sa gabii.

Drugas ang gidudahang motibo samtang nagtuo ang kapulisan nga ang biktima ug gunman managkaila ra.

Daling niresponde ang kapulisan sa Guadalupe Police Station sa pagpusil patay kang Jovelyn Pepito, 28, taga Sityo Yellow Bill, Brgy. Kalunasan, siyudad sa Sugbo pasado alas 6 sa gabii niadtong Biyernes.

Matod sa inisyal nga imbestigasyon nga gipangulohan ni SPO1 Ruel Victor Ayuman sa Homicide Section sa Cebu City Police Office nga angkas ang biktima sa usa ka blue nga motorsiklo nga gimaneho sa killer.

Ang killer nagsul-ob og puti nga t-shirt.

Quote from: BolBuhol on May 13, 2013, 04:50:29 PM
taym to stark da sirimongyas sang moymonks.

Ask not by whom the bell is told:
He is fat, sick, ugly and old.

--Jandan "Moymonks" Jonyor

Quote from: Lorenzo on February 20, 2013, 10:21:42 PM
Therefore, whilst we have time, let us work good to all men,...

Naay di motuo ani. Gusto nila, work evil...

Quote from: vhinz08 on May 17, 2013, 05:52:17 PM
Treasure in Heaven.

(Matthew 6:19-21)
19 “Do not store up for yourselves treasures on earth, where moth and decay destroy, and thieves break in and steal.
20 But store up treasures in heaven, where neither moth nor decay destroys, nor thieves break in and steal.
21 For where your treasure is, there also will your heart be.

...a Biblical passage that falls on many deaf ears...

Quote from: islander on May 15, 2013, 04:59:01 PM
biliba uy.  mas sayon man diay ang inter-species kay sa israeli-palestinian peace talks.

my favorite tubagbohol thread.  like, thumbs up.

Yes! Take a load of these cuties...

Quote from: Lollapalooza on May 15, 2013, 05:06:37 PM


Taking the dog for walk

Hmm, looks familiar...

--The donkey born in a First World War trench which became a mascot for British troops

--Jimmy 'The Sergeant' was born at the Battle of the Somme in 1916

--He was wounded by shellfire three times during two years on the frontline

--Donkey taught to raise his hoof in salute by the soldiers who brought him up

--Jimmy is posthumously awarded the highest military honour for an animal - almost 100 years after his birth

--After the war he raised thousands of pounds for the RSPCA through charity work in Peterborough

By ROB COOPER
PUBLISHED: 19:04 GMT, 23 March 2012 | UPDATED: 19:04 GMT, 23 March 2012





More at: http://www.dailymail.co.uk/news/article-2119338/The-donkey-born-First-World-War-trench-mascot-British-troops.html#ixzz2TikXgR8U

Quote from: chicogon on May 18, 2013, 11:19:06 AM
Bungahoy... bungi nga kahoy

Bwahaha! Kahinumdom man lang ta ani sa bungi nga uwagon nga nagbitay sa kahoy...

http://tubagbohol.mikeligalig.com/index.php?topic=21436.msg266859#msg266859

Quote from: hubag bohol on May 18, 2013, 09:10:00 AM

Quote from: Raquelproud boholana on May 18, 2013, 02:00:03 PM
ma operation tuli jud ka Toy.

He he, nikujos na tawon ang lagay ni Botoy sa tumang kahadlok...

Mobalik ra to sija, Bay Chris. Gisamokan lang to sija sa TB karon...

$5.95   Usually Ships Same Day
Shipping Rates   Item # 12691
http://www.kleargear.com/wall-street-expert-12691.html#read-more

Wall Street Financial Expert


When they're not dispensing invaluable financial advice, monkeys like to throw poop, monkey around and bang on old typewriters. And play Solitaire, of course.

The chair in this set is 2 3/4" tall and the desk is 4" tall, so you can find the perfect home for this oracle of wall street right on your desktop or file cabinet. Then you'll finally know who is throwing all that poop at you in the office.

The game can also be played by teenagers and adults, especially if the "donkey" is replaced with depictions of something or someone else. As a drinking game, the person with the worst tail pinning is awarded one shot of a selected alcohol, to be determined by house rules or the loser in a friendly environment. --Wiki

An example of the game after it was played.

Pin the tail on the donkey is a game played by groups of children. It is common at birthday parties and other gatherings. A picture of a donkey with a missing tail is tacked to a wall within easy reach of children. One at a time, each child is blindfolded and handed a paper "tail" with a push pin or thumbtack poked through it. The blindfolded child is then spun around until he or she is disoriented. The child gropes around and tries to pin the tail on the donkey. The player who pins their tail closest to the target, the donkey's rear, wins. The game, a group activity, is generally not competitive; "winning" is only of marginal importance. --Wiki

Quote from: BolBuhol on May 18, 2013, 02:58:18 PM
bonapis bao saan gid to hao, nalibog nako sang kadamo gid na logar hang naadtoan ko man dao malibot ko na hang tibook togkarang sang akon na gipoyang karom.

borag dangki  kingdam dao

Hmm, dangkihoti galing...

Quote from: BolBuhol on May 18, 2013, 02:53:50 PM
ti mas ayo gid tong dongki sang iba na trid, indi gid halata hao.

He he, may naa pa gid ibang dangking lumulugwa haw. Abangang!

Ang hinungdanon dili unsa kadaghan ang kwarta, kon dili giunsa ni paggamit, alang ba sa kaayohan o sa kadaotan, alang ba sa kalamboan sa buhilaman o sa kalaglagan niini, aron ba naay makalingkawas sa kapit-os, o aron lang ibayad sa sugoon paghunos og kinabuhi sa tinguha nga mahumpay ang kahigwaos nga gidalit sa nag-alintabo nga kaligutgot...

Hmm, Jedinos?

Quote from: Votives on May 14, 2013, 01:01:11 PM
pakang diay.. pareha sa ako..

He he, usa ra man kaha ka pakang, Bay Vots...

Hate is indeed weird...

Quote from: vhinz08 on May 17, 2013, 05:59:37 PM
Buy 1 take 2

Paranoia daemonis in excelsis...