Help for Jack

October 18, 2006

We are Babette & Juni Simbulan, residents of the Philippines. We are writing to you in the hopes that you can help us in any way get immediate medical help for our child.

Our first born and only child Joaquin (Jack) A. Simbulan was born on June 11, 2001 with multiple congenital anomalies. He was a pre-term baby (36/40 weeks), delivered via Caesarean section with low birth weight (1.72 kg). He had a PDA ligation when he was eight months old. He also underwent physical/ occupational therapy for two years to improve gross and fine motor movement. He was given a neurodevelopmental evaluation when he was 3.5 years old and was advised regular schooling. He is now 5 years old and attends kindergarten school when his health allows it. Despite his hand deformity, he can make full use of his hands and plays the piano!

In May 2005, he presented with thrombocytopenia and was seen by a dematologist-oncologist Dr. Maria Beatriz Gepte of the Philippine Children's Medical Center. A Bone Marrow Aspiration (BMA) was performed on him but he tested negative for leukemia. A second BMA was performed on him on September 28, 2006 and
blood samples are now being tested to confirm Fanconi Anemia (FA). We should have the result within the month.

Since February 2006, Jack has had five hospitalizations due to low platelet and hemoglobin counts. In these hospitalizations, he has received transfusions. We just got back from the hospital where he got a transfusion, October 13-14, and received irradiated platelets and packed RBC since his platelet count has dropped to 23,000. Normal platelet count is from 150,000 up.

Fanconi Anemia, is a rare genetic disease that leads to bone marrow failure (aplastic anemia). It is a recessive disorder: if both parents carry a defect in the same FA gene, each of their children has a 25% chance of inheriting the defective gene from both parents. When this happens, the child will have FA. FA occurs equally in males and females. It is found in all ethnic groups. Though considered primarily a blood disease, it may affect all systems of the body. Many patients eventually develop acute myelogenous leukemia (AML). Patients who live into adulthood are extremely likely to develop head and neck, gynecological, and/or gastrointestinal cancer and at a much earlier age.

Unfortunately for us, FA is also hardly known or understood in the Philippines. We are listed in the international family registry of the FA Research Fund (www.fanconi.org; info@fanconi.org) and are in touch with some families in Canada, Australia and the US to better understand this dreadful disease.

Jack has recently been diagnosed with first stage bone marrow failure because of FA. In the meantime, Dr.Gepte plans to give a steroid to stimulate platelet/ hemoglobin production. We were informed that the medium term option is for a Bone Marrow Transplant (BMT). Unfortunately, Jack is an only child, with no potential bone marrow donor from a sibling. Due to the rarity of FA and the fact that very few doctors have experience in treating it in the Philippines, we were also advised that the BMT procedure be done abroad for higher chances of success.

We would like to seek medical treatment abroad and would like Jack to have a fighting chance. However, we are a family of modest means. Over the past five years, we have spent a good part of our savings for Jack’s hospitalization and medical care through some insurance which unfortunately is applicable only to Philippine hospitals. We could raise the money for airfare and other preliminary expenses but we are uncertain as to how our family can afford the cost of
a BMT. We have initially corresponded with the Cincinnati Children’s Hospital which has extensive experience in FA cases.(www.cincinnatichildrens.org/fa) The cost is a
staggering 200,000 USD.

It is in this light that we are appealing our son’s case. We would like to seek any form of assistance (financial, medical) so that Jack can have a normal childhood and God willing, reach adulthood. The whole extended family is united in looking for organizations or charitable institutions to help our cause. We have faith in the goodness of people.

Thank you very much.


Sincerely,

Babette A. Simbulan/ Juni S. Simbulan
#54 P. Eleazar St. MBLA Subd
Malanday, Marikina 1805
PHILIPPINES
babette.simbulan@manilawater.com
ana_simbulan2003@yahoo.com
junisimbulan@yahoo.com
Cellphone: 63-917-8574427
Home: 632-9425699

RITA S. SIMBULAN
548 S. Normandie Ave. #1
Los Angeles, CA 90020
Office - (213) 747-5588 Ext. 233 - 9 a.m. to 5:30
p.m., Pacific Time
Cellphone (213) 447-3587
Email: emerald5172@yahoo.com or
ritasi@1stnetusa.com
Office email: rita@veniceinvestments.com

Burn out

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Coke How important it is?

How important is Coke and Pepsi.. Read this powerpoint file if you value your health..

FAMILY

F A M I L Y

I ran into a stranger as he passed by,
"Oh excuse me please" was my reply.

He said, "Please excuse me too;
I wasn't watching for you."

We were very polite, this stranger and I.
We went on our way and we said goodbye.

But at home a different story is told,
How we treat our loved ones, young and old.

Later that day, cooking the evening meal,
My son stood beside me very still.

When I turned, I nearly knocked him down.
"Move out of the way," I said with a frown.

He walked away, his little heart broken.
I didn't realize how harshly I'd spoken.

While I lay awake in bed,
God's still small voice came to me and said,

"While dealing with a stranger,
common courtesy you use,
but the family you love, you seem to abuse.

Go and look on the kitchen floor,
You'll find some flowers there by the door.

Those are the flowers he brought for you.
He picked them himself: pink, yellow and blue.

He stood very quietly not to spoil the surprise,
you never saw the tears that filled his little eyes."

By this time, I felt very small,
And now my tears began to fall.

I quietly went and knelt by his bed;
"Wake up, little one, wake up," I said.

"Are these the flowers you picked for me?"
He smiled, "I found 'em, out by the tree.

I picked 'em because they're pretty like you.
I knew you'd like 'em, especially the blue."

I said, "Son, I'm very sorry for the way I acted today;
I shouldn't have yelled at you that way."
He said, "Oh, Mom, that's okay.
I love you anyway."

I said, "Son, I love you too,
and I do like the flowers, especially the blue."

FAMILY
Are you aware that if we died tomorrow, the company
that we are working for could easily replace us in
a matter of days.
But the family we left behind will feel the loss
for the rest of their lives.

And come to think of it, we pour ourselves more
into work than into our own family,
an unwise investment indeed,
don't you think?
So what is behind the story?

Do you know what the word FAMILY means?
FAMILY = (F)ATHER (A)ND (M)OTHER (I) (L)OVE (Y)OU

Pass this message to 7 people except you and me.

You will receive a miracle tomorrow.
Don't ignore and God will bless you

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CLICK ON THE BALL AND DONT LET IT FALL...

A nice excel Tennis game. click here to get it.

Sulat

Text joke in Tagalog

PATIENT : dOk, mlungkot d2 sa mEntaL kYa nAicpAn koNg suLaTan aNg aKiNg sAriLi.

DR : aNo nMan LAmAn nG suLAt mO?

PATIENT: aBa eWan! nxt wik ko pA mTAngap.. :-)

What Gender?

A Spanish teacher was explaining to her class that in Spanish, unlike English, nouns are designated as either masculine or feminine.

"House" for instance, is feminine: "la casa."

"Pencil," however, is masculine: "el lapiz."

A student asked, "What gender is 'computer'?" Instead of giving the answer, the teacher split the class into two groups, male and female, and asked them to decide for themselves whether "computer" should be a masculine or a feminine noun. Each group was asked to give four reasons for its recommendation.

The men's group decided that "computer" should definitely be of the feminine gender ("la computadora"), because:

1. No one but their creator understands their internal logic;
2. The native language they use to communicate with other computers is incomprehensible to everyone else;
3. Even the smallest mistakes are stored in long term memory for possible later retrieval; and
4. As soon as you make a commitment to one, you find yourself spending half your paycheck on accessories for it.

(THIS GETS BETTER!)

The women's group, however, concluded that computers should be Masculine ("el computador"), because:

1. In order to do anything with them, you have to turn them on;
2. They have a lot of data but still can't think for themselves;
3. They are supposed to help you solve problems, but half the time they ARE the problem; and
4. As soon as you commit to one, you realize that if you had waited a little longer, you could have gotten a better model.

The women won.

HEART ATTACK Slide Show - worth 45 seconds of your time!

Here are techniques to survive Heart Attack when nobody is around to help you !!!

What type of baby are you? (with pictures)

Jan
Pretty/handsome. Loves to dress up. Easily bored. Fussy. Seldom shows emotions. Takes time to recover when hurt. Sensitive. Down-to-Earth. Stubborn. Repost this in 5 mins and you will meet someone new in 8 days that will perfectly balance your personality.

Feb
Abstract thoughts. Loves reality and abstract. Intelligent and clever. Changing personality. Attractive. Sexiest out of everyone. Temperamental. Quiet, shy and humble. Honest And loyal. Determined to reach goals. Loves freedom. Rebellious when restricted. Loves aggressiveness. Too sensitive and easily hurt. Gets angry really easily but does not show it. Dislikes unnecessary things. Loves making friends but rarely shows it. Horny. Daring and stubborn. Ambitious. Realizing dreams and hopes. Sharp. Loves entertainment and leisure. Romantic on the inside not outside. Superstitious and ludicrous. Spendthrift. Tries to learn to show emotions. Repost this in 5 mins and you will talk to someone new and realize that you are a perfect match.

Mar
Attractive personality. Sexy. Affectionate Shy and reserved. Secretive. Naturally honest, generous and sympathetic. Loves peace and serenity. Sensitive to others. Great kisser. Easily angered. Trustworthy. Appreciative and returns kindness. Hardly shows emotions. Tends to bottle up feelings. Observant and assesses others. If you repost this in the next 5 mins, you will meet your new love in 8 days.

Apr
Suave and compromising. Funny and humorous. Stubborn. Very talkative. Calm and cool. Kind and sympathetic. Concerned and detailed. Loyal. Does work well with others. Very confidant. Sensitive. Positive Attitude. Thinking generous. Good memory. Clever and knowledgeable. Loves to look for information. Able to cheer everyone up and/or make them laugh. Able to motivate oneself and others. Understanding. Fun to be around. Outgoing. Hyper. Bubbly personality. Secretive. Boy/girl crazy. Loves sports, music, leisure and traveling. Systematic. Hot but has brains. If you repost this in 5 mins, a cutie that's caught your eye will introduce themselves and you will realize that you are very much alike in the next 2 days.

May
Stubborn and hard-hearted. Strong-willed and highly motivated. Sharp thoughts. Easily angered. Attracts others and loves attention. Deep feelings. Beautiful physically and mentally. Firm Standpoint. Needs no motivation. Shy towards opposite sex. Easily consoled. Systematic (left brain). Loves to dream. Strong clairvoyance. Understanding. Sickness usually in the ear and neck. Good imagination. Good physical. Weak breathing. Loves literature and the arts. Loves traveling. Dislike being at home. Restless. Not having many children. Hardworking. High-spirited. If you repost this in the next 5 minutes, you will become close to someone you do not speak too much in the next 4 days.

Jun
You've got the best personality and are an absolute pleasure to be around. You love to make new friends and be outgoing. You are a great flirt and more than likely have an a very attractive partner. a wicked hottie. It is also more than likely that you have a massive record collection. You have a great choice in films, and may one day become a famous actor/actress yourself - heck, you've got the looks for it!!! IN the next 6 days you will meet someone that may possibly become one of your closest friends, if you repost this in 5 minutes.

Jul
Fun to be with. Secretive. Difficult to fathom and to be understood. Quiet unless excited or tensed. Takes pride in oneself. Has reputation. Easily consoled. Honest. Concerned about people's feelings. Tactful. Friendly. Approachable. Emotional temperamental and unpredictable. Moody and easily hurt. Witty and sparkly. spazzy at times. Not revengeful. Forgiving but never forgets. dislikes nonsensical and unnecessary things. Guides others physically and mentally. Sensitive and forms impressions carefully. Caring and loving. Treats others equally. Strong sense of sympathy. Wary and sharp. Judges people through observations. Hardworking. No difficulties in studying. Loves to be alone. Always broods about the past and the old friends. Waits for friends. Never looks for friends. Not aggressive unless provoked. Loves to be loved. Easily hurt but takes long to recover. Repost this in the next 5 mins and your reputation will boost someway in the next 12 days

Aug
Outgoing personality. takes risks. feeds on attention. No self-control. Kind hearted. Self-confident. Loud and boisterous. VERY revengeful. Easy to get along with and talk to. Has an "every thing's peachy" attitude. Likes talking and singing. Loves music. Daydreamer. Easily distracted. Hates not being trusted. BIG imagination. Loves to be loved. Hates studying. in need of "that someone". Longs for freedom. Rebellious when withheld or restricted. Lives by "no pain no gain" caring. Always a suspect. Playful. Mysterious. "charming" or "beautiful" to everyone. stubborn. curious. Independent. Strong willed. A fighter. Repost in 5 mins and you will meet the love of your life sometime next month.

Sept
Active and dynamic. Decisive and haste but tends to regret. Attractive and affectionate to oneself. Strong mentality. Loves attention. Diplomatic. Consoling, friendly and solves people's problems. Brave and fearless. Adventurous. Loving and caring. Suave and generous. Usually you have many friends. Enjoys to make love. Emotional. Stubborn. Hasty. Good memory. Moving, motivates oneself and others. Loves to travel and explore. Sometimes sexy in a way that only their lover can understand. If you do not repost this in the next 5 mins, someone very close to you will become mad at you in the next 8 days.

Oct
Loves to chat. Loves those who love them. Loves to takes things at the center. Inner and physical beauty. Lies but doesn't pretend. Gets angry often. Treats friends importantly. Brave and fearless. Always making friends. Easily hurt but recovers easily. Daydreamer. Opinionated. Does not care to control emotions. Unpredictable. Extremely smart, but definitely the hottest AND sexiest of them all. repost this in 5 mins or you will not meet the love of your life for 10 years.

Nov
Trustworthy and loyal. Very passionate and dangerous. Wild at times. Knows how to have fun. Sexy and mysterious. Everyone is drawn towards your inner and outer beauty and independent personality. Playful, but secretive. Very emotional and temperamental sometimes. Meets new people easily and very social in a group. Fearless and independent. Can hold their own. Stands out in a crowd. Essentially very smart. Usually, the greatest men are born in this month. If you ever begin a relationship with someone from this month, hold on to them because their one of a kind. Repost in 5 mins & you will excel in a major event coming up sometime this month.

Dec
This straight-up means you are the most good-looking person possible... Better than all of these other months! Loyal and generous. Patriotic. Competitive in everything. Active in games and interactions. Impatient and hasty. Ambitious. Influential in organizations. Fun to be with. Easy to talk to, though hard to understand. Thinks far with vision, yet complicated to know. Easily influenced by kindness. Polite and soft-spoken. Having lots of ideas. Sensitive. Active mind. Hesitating tends to delay. Choosy and always wants the best. Temperamental. Funny and humorous. Loves to joke. Good debating skills. Has that someone always on his/her mind. Talkative. Daydreamer. Friendly. Knows how to make friends. Abiding. Able to show character. One guy/girl kind of person. Loveable. Easily hurt. Prone to getting colds. Loves music. Pretty/handsome. Loves to dress up. Easily bored. Fussy. Seldom shows emotions. Takes time to recover when hurt. Sensitive. [A hot new guy/girl will catch your eye & you will catch theirs too in the next 6 days, if you repost in 5min

Take care of your health!

BRAIN DAMAGING HABITS

1. No Breakfast
People who do not take breakfast are going to have a lower blood sugar level.
This leads to an insufficient supply of nutrients to the brain causing brain degeneration.

2. Overeating
It causes hardening of the brain arteries, leading to a decrease in mental power.

3. Smoking
It causes multiple brain shrinkage and may lead to Alzheimer disease.

4. High Sugar consumption
Too much sugar will interrupt the absorption of proteins and nutrients causing malnutrition and may interfere with brain development.

5. Air Pollution
The brain is the largest oxygen consumer in our body. Inhaling polluted air decreases the supply of oxygen to the brain, bringing about a decrease in brain efficiency.

6. Sleep Deprivation
Sleep allows our brain to rest. Long term deprivation from sleep will accelerate the death of brain cells.
7. Head covered while sleeping
Sleeping with the head covered, increases the concentration of carbon dioxide and decrease concentration of oxygen that may lead to brain damaging effects.

8. Working your brain during illness
Working hard or studying with sickness may lead to a decrease in effectiveness of the brain as well as damage the brain.

9. Lacking in stimulating thoughts
Thinking is the best way to train our brain, lacking in brain stimulation thoughts may cause brain shrinkage.

10. Talking Rarely
Intellectual conversations will promote the efficiency of the brain
-------------------------------------------------------------------------------------------------------------------
The main causes of liver damage are:

1. Sleeping too late and waking up too late are main cause. 2. Not urinating in the morning.
3. Too much eating.
4. Skipping breakfast.
5. Consuming too much medication.
6. Consuming too much preservatives, additives, food coloring, and artificial sweetener.
7. Consuming unhealthy cooking oil. As much as possible reduce cooking oil use when frying, which includes even the best cooking oils like olive oil. Do not consume fried foods when you are tired, except if the body is very fit.
8. Consuming raw (overly done) foods also add to the burden of liver.
Veggies should be eaten raw or cooked 3-5 parts. Fried veggies should be finished in one sitting, do not store.

We should prevent this without necessarily spending more. We just have to adopt a good daily lifestyle and eating habits. Maintaining good eating habits and time condition are very important for our bodies to absorb and get rid of unnecessary chemicals according to "schedule."


Because:

Evening at 9 - 11pm: is the time for eliminating unnecessary/toxic chemicals (detoxification) from the antibody system (lymph nodes). This time duration should be spent by relaxing or listening to music. If during this time a housewife is still in an unrelaxed state such as washing the dishes or monitoring children doing their homework, this will have a negative impact on health.

Evening at 11pm - 1am: is the detoxification process in the liver, and ideally should be done in a deep sleep state.

Early morning 1 - 3am: detoxification process in the gall, also ideally done in a deep sleep state.
Early morning 3 - 5am: detoxification in the lungs. Therefore there will sometimes be a severe cough for cough sufferers during this time. Since the detoxification process had reached the respiratory tract, there is no need to take cough medicine so as not to interfere with toxin removal process.
Morning 5 - 7am: detoxification in the colon, you should empty your bowel.

Morning 7 - 9am: absorption of nutrients in the small intestine, you should be having breakfast at this time. Breakfast should be earlier, before 6:30am, for those who are sick. Breakfast before 7:30am is very beneficial to those wanting to stay fit. Those who always skip breakfast, they should change their habits, and it is still better to eat breakfast late until 9 - 10am rather than no meal at all.

Sleeping so late and waking up too late will disrupt the process of removing unnecessary chemicals. Aside from that, midnight to 4:00 am is the time when the bone marrow produces blood. Therefore, have a good sleep and don't sleep late.

TAKE CARE ABOUT YOUR HEALTH.................
AND PASS THIS EMAIL TO WHOM YOU LOVE.....................

Painted Ceiling in a Smoking Room

Waaah! ugong along c5... mag ingat kasi sa pagtawid...

september 12, 2006 bandang pasado alas kwatro... ako ay kasalukuyang busy sa work ng tinawag ako ng officemate ko and she told me na tumingin ako sa labas.. and yeah paglabas ko ng office a couple of steps away.. ayun.. i saw this very gruesome scene... bigla akong nanghina at umiba ang kabog ng aking dibdib.. sanay ako makakita ng morbid at brutal na pics sa net at sa pagtira ko sa tondo sanay din ako makakita ng nakahandusay sa lugar namin pero dahil lang sa saksak or sa baril.. di ako prepared na makakita ng ganito kagrabeng pangitain... ang siste.. nakamotor ang guy, nabangga ng fx, then saka nahagip ng malakeng truck. i tested myself kung kaya kong lumapit at tingnang mabuti ang isang pile ng wakwak na laman sa kalsadang iyon... at parang di pa ako nasatisfy kasi kinunan ko pa ng pics.. share ko lang sa inyo kung kaya nyong tingnan....

nanginginig ang aking kamay at malamig itong nakahawak sa digicam habang palapit kong kinukunan ang eksena. andun na ang ilang nagiimbestiga at napasigaw ang isa "wala bang dyaryo?!" at since nakita akong kinukunan ang nakahandusay na laman sakin humingi ng dyaryo... kaya mas nakalapit pa ako at nakunan ang tinatakpan ng bangkay.... kadalasan kasing tamad akong gumamit ng overpass ang layo pa kasi ng lalakaran, kapag kasama ko ang officemates e ako pa ang matapang na kumakaladkad sa kanilang tumawid sa kalyeng ito habang sila ay takot na takot dahil sa bilis ng mga sasakyan. medyo nauntog ako at natauhan. shet! magooverpass na ako!!! at nakaka awa.. dahil parang kanikanina lang na wala pang 10 minuto e buhay pa ang lalakeng yun na nakamotor.. and within a minute e para na syang bopis at karneng tinitinda sa palengke... hayy... ganun lang ba kadali ang buhay ng isang tao? ano na kaya iisipin na pamilya niya lalo nat nakitang ganyan ang kanyang kinahinatnan?.... ako... hindi takot mamatay, pero ayaw kong maging ganito ang mangyari sa akin. gusto ko maganda pa din ako sa kabaong ko... wahehehe.. hayy di pala dapat ito pagtawanan... after this mas nakita ko ang value ng LIFE... salamat sa Diyos at buhay pa ako ngayun.. at ... shinashare ito sa inyo ngayun...

The Melting Princess

The Melting Princess

Once Upon a Time ....
There lived a king. The King had a
beautiful daughter, the Princess.
But the kingdom was a sad place.
There was no laughter, and no joy.
The problem was, that
everything the Princess touched would melt.
No matter what, metal, wood...
anthing she touched would melt!!
Because of this, men were afraid of her.
Nobody would dare marry her.
The king despaired.
What could he do to help his
beautiful daughter?
He consulted his wizards and magicians.
One wizard told the king, "If your
daughter touches one thing that
does not melt in her hands, she
will be cured."
The King was overjoyed. The next
day, he held a competition. Any man
who could bring his daughter an
object that would not melt at her
touch, would marry her and inherit
the King's wealth.
Three young princes took up the challenge.
The first Prince brought a very hard
alloy of titanium.
When the Princess touched it, it
melted. The Prince went away sadly.
The second Prince brought a huge
diamond, thinking that diamond is
the hardest substance in the world
and will not melt.
But, alas, once the Princess touched
it, it melted. He too went away disappointed.
The third Prince approached. He
told the Princess, "Put your hand
in my pocket and feel what is in there."
The Princess did as she was told,
though she turned red.
She felt something hard. She held
it in her hand...and it did not melt!!
The King was overjoyed!
Everybody in the kingdom was overjoyed!
And the third Prince
married the Princess and the both lived
happily ever after.

The question is?!?!?!?

What WAS the object in the Prince's pocket???

v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v
v

They were M&M's, of course.
THEY melt in your MOUTH,
NOT in your HAND!!
(What were YOU thinking?)

Did this make you smile?
Then send this practical joke on to your friends!
See if they think the same thing as you did :-)

Asset Or Liability - Esep esep...A good eye-opener

Asset or Liability

THE BASICS OF CASH FLOW

There are those who e-mailed me asking about the basics of cash flow. I'm really sorry that I assumed everybody already understands it. Anyway, by demand ... here it goes...

May isang bata... joke lang.

The basic is. What pattern do you see if you will get a P100.00 bill and monitor where and how it is transferred from 1 possessor to the other? How does it flow? The pattern for a typical Pinoy is.

You earn from your work, you spend it on food, gadgets, clothing and other basic needs. Before you reach the next payday, paubos na yung pera mo. But that's ok payday is just a few days ahead and it doesn't matter if I run out of money, I am expecting money again any time soon.

This cycle goes on and on and you make some sidelines or create other ways to earn but it seems that money was never enough. (I am tempted to explain further pero usapan... basics lang).

So you can't leave the job that you have because a week without work would affect the cash flow you have to support your family and needs. As much as you wanted to accept another job, the gap would make you pay less for a couple of days, which makes you a slave to your boss.

At least, you have a job to support your needs.

So to illustrate...Cash is flowing inside your pocket.

Years have gone by doing your monotonous routine.

Question... what if you get fired? Or you were forced to retire because there are new and younger people ready to take your place. What would you do?

As an OFW, Makati Executive, Top Salesman, Engineer, Attorney, Teacher, etc... What if it all ends? The sweet cash that enters your pocket every 15 th and 30th suddenly comes to a halt.

There are two things you can buy with your money... An asset and a liability. To describe each... An asset brings money inside your pocket; a liability takes money out of your pocket. Another way to see, it is that an asset if you buy one, will bring the money you spent for it back to you 2 or 3 folds. A liability, when you buy it will not give your money back at all.

Sa ilocano... idjay ti kwa... djak maawatan... (joke lang po, seryoso na kayo eh...)
Sa madaling salita... kapag asset, maibabalik ang pera , pag liability, goodbye sa pera...

Ang problema kay JUAN DE LA CRUZ, habang may trabaho ipon ng ipon at bili ng bili ng liability!

I have seen OFWs get back to the country with gold chains at kung pwede lang limang shades ang isuot ng sabay-sabay gagawin nya eh... dvd, component, jackets, clothes, inuman, pulutan, party, pabango... hindi na makalakad sa dami ng bitbit...

At s'yempre mga empleyado natin dito sa bansa na lingo-lingo bago cell phone at mags ng kotse.. hindi na nga magkasya ang damit sa aparador, tapos pag umaga sasabihin.... wala na akong maisuot.

Guys, esep-esep... what you bought... will it bring money back to you? I know what you have in mind... you have to enjoy what you worked hard for. That's right, but think of something that will last... think of your future.

I have seen the worst of people who were abogado de kampanilya, executive secretaries of top rank business men, people who worked for big companies, earned a fortune and got a big retirement pay by the millions... Now.... Wala na.

Why? Because of their cash flow... went in... went out.

I need not to mention basketball players, actors, singers, etc... Check what is their career path... next after acting, singing and playing... POLITICS. Kasi, 'yung million na kinita nila, puro liability ang binili.

Going back... all the liability they bought, ibinenta ng mura! I'm wearing a gold chain now, which I got from a seaman... he bought it for P35,000 and sold it for 8,000 to me. Hindi po asset ang alahas! Bakit? Totoo na tumataas ang value n'ya pero kapag gutom ka na, kahit palugi ibebenta mo! (wala bang aaray?) Cell phones... dvd players etc. pati bahay at kotse... that's the cash flow of most OFWs...

The question is ... "WHAT IF THE INCOME STOPS?"

Sa Pinoy, ganito: anak... mag-aral kang maigi, at pag tanda namin... ikaw na bahala sa amin ha.... Hindi po ba maling-mali...

You have to establish something today that will take care of your future.

Teka, teka... eh ano ang dapat gawin para hindi mangyari yan?

You must create a source of income that will continually make money flow inside your pocket. Start a business! While you are working as an executive or an OFW, or a professional... START A BUSINESS and MASTER that business till you get out of that company. Para kapag tumigil ang income mo sa kanila... may susuporta pa din sa iyo hanggang pag-tanda mo!

Now don't tell me to invest my money on pensions and plans... NO WAY! Narinig n'yo na siguro yung .... Naku ayaw ko na magbanggit.... 'yung mga nagbayad at hindi nakapag-claim... sila pa ang dinimanda at nag-piyansa!!! HUWAG MO I-ASA ANG PAGTANDA MO SA IBA! GUMAWA KA NG SARILI MONG BALON NG PERA! KAHIT MALIIT PA 'YAN, SARILI MO AT HINDI KA AASA SA IBANG TAO...

Imagine yourself when you reach an older age... (aruy ko,,, baka yung iba sa inyo about that age... tabi tabi po...Ako po sa mga nagtatanong... I'm 37 years old. Naabutan ko pa si Michael Jackson at hinele po ako ng nanay ko sa mga kanta ng hagibis...). You have money that the company gave you as your retirement pay... what will you do?

You can consume the money till your old... eh kung hindi umabot? Masamang damo ka pala... at hindi ka kaagad kinuha ni Lord. Eh pang age 65 lang yung naipon mo na budget.

Or maybe, you can start a business and use the money for capital... Kapatid... 9 out of 10 businesses, FAILED... yung isang magsa-succeed, gagayahin pa ng kapitbahay mo instead na mag-franchise sa 'yo... think! At age 50, you are struggling trying to make a business work! What if it fails?!

Eh ano nga ba ang sagot?

The answer is, stop buying liabilities and instead buy assets now. I don't care if it is a banana-Q store, balot, ice candy or a sari-sari store, etc... start now! Because, your experience here will teach you what to do in the future. It's so hard to struggle in business when you are 60 yrs old.

You have to create a source of income separated from the source of income from your work. That when the time comes that you have to stop working, you will have your own source of money! Create assets, start a business that will be there to support you and your family. I AM NOT TELLING YOU TO QUIT YOUR JOB! I'm telling you to start a business while you're working and stop spending your money on liabilities and start putting them on assets!

Ang pera kapag pinambili mo ng LIABILITY... hindi na babalik... ang ASSET... BABALIK.

Teka... masama ba bumili ng mga magagandang gamit? Hindi! Siguraduhin mo lang na ang pambili mo nun ay galing sa asset mo. The business has to be prioritized! Mawalan ka man ng trabaho, may negosyo kang palalaguin.

If before, nabubuhay ka naman ng iisa sapatos mo, huwag mo baguhin 'yun... dati, nagdyi-jeep ka lang... 'wag ka na munang mag-FX...

Create assets and lessen liabilities. Invest and learn now... mag-negosyo!

Eh anong negosyo? Any, as long as you think it is work and doable! I am still looking for partners for my HOME MASSAGE SERVICE! SPA MAGIC! And my business CAR MAGIC is still franchising... (joke lang ... baka sabihin nyo nag pro-promote lang ako eh...But I AM PROUD TO SAY THAT ALL MY BUSINESSES ARE ORIGINAL AND ALL ARE GRAND ASSETS!

I started all my businesses with a very small capital. If I used that money to buy a gadget, new shoes or any liability... baka wala lahat ng negosyo ko at wala na akong makain ngayon.

Again, I hope that this BASIC CASH FLOW article helps.... I wish all of us become financially free!


FROM UNKNOWN AUTHOR

8 angels r sent 2 u,

U must send them to 8 people including me.

In 8 minutes u will! Receive something u have long awaited.

Have faith!

Have a good day!

Oktoberfest na!!

On September 29, 2006
from 12 noon onwards at the SM Megamall
its a mix and match world in this year's
Oktoberfest celebration!!

OKTOBERFEST NA!!


Free entrance for SMC employees only.
Just bring your SMC ID.
"No ID No Entry" will be strictly enforced.



Sent Thru SMITS Customer Care

DART TEST... ('._.') Very Touching!

Dart Test...


THIS IS A POWERFUL MESSAGE. PLEASE READ ALL OF IT. I AM PASSING IT ON BECAUSE I AM CERTAINLY NOT ASHAMED TO DO
SO.

In light of the many jokes we send to one another for a laugh, this is a little different: This is not intended to be a joke, it's not funny, it's intended to get you thinking..............

Dart Test...

A young lady named Sally, relates an experience she had in a seminary class, given by her teacher, Dr. Smith . She says that Dr. Smith was known for his elaborate object lessons.

One particular day, Sally walked into the seminary and knew they were in for a fun day.

On the wall was a big target and on a nearby table were many darts. Dr. Smith told the students to draw a picture of someone that they disliked or someone who had made them angry , and he would allow them to throw darts at the person's picture.

Sally's friend drew a picture of who had stolen her boyfriend . Another friend drew a picture of his little brother . Sally drew a picture of a former friend, putting a great deal of detail into her drawing, even drawing pimples on the face. Sally was pleased with the overall effect she had achieved.

The class lined up and began throwing darts. Some of the students threw their darts with such force that their targets were ripping apart . Sally looked forward to her turn, and was filled with disappointment when Dr. Smith, because of time limits, asked the students to return to their seats. As Sally sat thinking about how angry she was because she didn't have a chance to throw any darts at her target. Dr. Smith began removing the target from the wall.

Underneath the target was a picture of Jesus . A hush fell over the room as each student viewed the mangled picture of Jesus; holes and jagged marks covered His face and His eyes were pierced.

Dr. Smith said only these words... " In as much as ye have done it unto the least of these my brethren, ye have done it unto Me ."
Matthew 25:40.

No other words were necessary; the tears filled eyes of the students focused only on the picture of Christ.

This is an easy test; you score 100 or zero. It's your choice.

If you aren't ashamed to do this, please follow the directions.

Jesu s said, " If you are ashamed of me, I will be ashamed of you, before My Father ."

No t ashamed ... pass this on.

Ashamed ... de le t e i t .




Isn't it funny how the lewd, crude, vulgar and obscene pass freely through cyberspace, but the public discussion of Jesus is suppressed in the school and workplace.

Isn't it funny how someone can be so fired up for Christ on Sunday, but be an invisible Christian t he rest of the week.

Are you laughing?

Isn't it funny how when you go to forward this message, you will not send it to many on your address list because you're not sure what they believe, or what they will think of you for sending it to them.

Isn't it funny how I can be more worried about what other people think of me than what God thinks of me.
Will YOU pass t his on? ... I did

Fathers' Pride and Joy

Four friends, who hadn't seen each other in 30 years, reunited at a party. After several drinks one of the men went to the men's room and while he was gone, the others talked about their sons.

The first guy said, "My son is my pride and joy. He started working at a successful company at the bottom of the barrel. He studied Economics and Business Administration and soon began to climb the corporate ladder and now he's the president of the company. He became so rich that he gave his best friend a top of the line Mercedes for his birthday."

The second guy said, "Damn, that's terrific! My son is also my pride and joy. He started working for a big airline, then went to flight school to become a pilot. Eventually he became a partner in the company, where he owns the majority of its assets. He's so rich that he gave his best friend a brand new jet for his birthday."

The third man said: "Well, that's indeed terrific! My son studied in the best universities and became an engineer. Then he started his own construction company and is now a multimillionaire. He also gave away something very nice and expensive to his best friend for his
birthday: A 30,000 square foot mansion."

The three friends congratulated each other just as the fourth returned from the restroom and asked: "What are all the congratulations for?"

One of the three said: "We were talking about the pride we feel for the successes of our sons... What about your son?"

The fourth man replied: "My son is gay and makes a living dancing as a stripper at a nightclub."

The three friends said: "What a shame... you must be disappointed."

The fourth man replied: "No, I'm not ashamed! He is gay but he's my son...and I love him. And he's very well loved by others, too. In fact on his birthday - which was just the other day - he received a beautiful 30,000 square foot mansion, a brand new jet and a top of the line
> Mercedes from his three boyfriends."