Christmas Countdown

Christmas Time - Week 8 Special

The Essence of Christmas, Christmas is not just being happy because we are in a good health condition or we are together with our family and friends but also being happy to see other people who are celebrating this special season with smile in their hearts same as what we have. Let's pray together for our brothers and sisters who are suffering from illness, critical problems and victims of war. Christmas is for everyone. See the goodness in our hearts and share it to other people. God bless us all.

Applaud the Beginner

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.20 >> Applaud the Beginner, You walk into a karate school for a first visit and see kicking, punching, blocking, chopping and flipping. It can be intimidating if you've never done these things. Or, you may look and feel awkward learning to snow ski or rollerblade or taking a foreign language. But persist; this is your first day and there will never be another first day.
Any new endeavor may be tough in the beginning. Accept this. You must believe in yourself. Initially, critics may feel free to ridicule your ideas and goals as foolish and unrealistic. When you ultimately succeed, everyone will claim to have been on your team from the beginning. Take action and persist. Applaud those who try, because the first step is often the toughest. Welcome the newcomer.

The key to finding opportunity

Ron Davis - Financial adviser.

Property Tips, One of the most difficult aspects of being a home owner is changing with the times. Trends in technology and architecture move rapidly, often forcing home owners to constantly remodel and update their homes just to stay current with other similar homes in the same area. A sudden change in styles can make a once modern house seem old and stale, possibly adversely affecting a home's value. However, there is one aspect to a piece of real estate that is largely immune to the temporary ups and downs in the market and the changing of style-location.
By selecting a home with a great location, your real estate property will have a timeless quality that will appeal to buyers for years to come.
When selecting a location, it is always essential that you look at the house itself in context to the actual land layout. A simple, modest home may be right for a small suburban neighborhood, but may not fit in as well in an area filled with larger land tracks. Likewise, a large, ostentatious home would be a great fit where land is plentiful. Finding the right combination of home and location will take some time, but the extra effort will be worth it in the end.
For some buyers, a location in high demand is an obvious and wise investment. A location with 'heat' will be able to weather whatever market bumps may occur. With the ease and popularity of do-it-yourself home remodeling, many buyers are ready to redesign a home immediately upon moving in. Since most property owners like to put their own unique stylistic mark on a home, the actual layout of the home will often be secondary to the factors that cannot be changed, such as location.
For those in the real estate market, sometimes a long term vision may suit them well. While a home location may not be particularly attractive at the moment, it is important to look at developments in the area that may be on the horizon. Areas due for redevelopment may experience a rise in potential buyers. Today's bargain may be tomorrow's goldmine if they are surrounding the real estate property ends up growing or expanding.
So what is the right location? The proper answer is whatever the potential buyer think is right keeping in mind all the perspectives. It is essential when buying a piece of property to tour the outlying areas. Is the location close to schools or shopping malls? Is the commute time to large business areas manageable? Airports in the area may be attractive to some buyers, but getting a home too close to a major airport can either be a disaster or a gigantic bargain.
An experienced real estate agent will give you fair idea and help you find the location that best suits your needs. It can be a short term investment or a long term stay. Does your research examine your needs? Do consult a well-respected real estate agent before you dive in. Remember, the three most important aspects to real estate are location, location, and location.

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Let Go of Your Fear

Bo Sanchez - Spiritual preacher and Motivational speaker.

Ralph Marston - Let life flow, Life will flow easily and gracefully when you simply allow it. Choose right now to simply allow it.

Allow the problems to come and then allow them to go just as quickly. Peacefully accept the disappointments and you'll have no trouble with peacefully letting them go.

Accept the joys without worrying about clinging to them. They will always be with you if you simply let them be.

Stop fighting against what is, and you'll clearly see how to make the most of it. Welcome each new experience and you'll quickly find the value it brings.

Leave the worries and anxieties behind, for they add nothing to your life. Be at peace, and you will feel the fullness of your power.

Allow the rich abundance to flow naturally and unhindered through your life. And delight in the fulfillment that is yours to create.

Spread Your Enthusiasm

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.19 >> Spread Your Enthusiasm, Putting the Action Principles to work in your life will elevate your soul and lift your spirit. You will feel a zest for life. You will live full, enriched days. This will happen because you will have taken the quiet time to think, organize and prioritize your days. You will love many things and these things will become part of your day. You will be in control. Every day you will do good things for yourself and others. Words like boring, bland and uneventful will rarely describe your work or your relationships.

Listen to your favorite CD. Call a friend. Read a good book. Smile. Hear. See. Feel. Smell. Take a walk and look at all the wonders of your world. Let everyone in your life know that life is worth living.

Be known as a motivator. Ask others about their goals and how you can help them. Make people feel part of a successful team. Solicit their input. Keep everyone informed and involved. Establish performance incentives. Look for opportunities to praise and reward. Enthusiasm is contagious.

World-Class Filipino Talent

Ogie Alcasid - Filipino Singer and Actor.

World-Class Filipino Talent. Ogie Alcasid debuted as a singer in 1989 with the release of his self-titled album. Ogie Alcasid reached gold record status, while his debut single "Nandito Ako" (Here I am) was awarded "Song of the Year" by local radio station Magic 89.9. He has since released 18 albums, including a Christmas album (Larawan ng Pasko/ Images of Christmas, 1994), a live album (OA sa Hits (Live), 2002), and four greatest hits albums.

He has received a total of five gold records, three platinum records, and three double platinum records.

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Jack Canfield cited in his book "The Success Principles" Believing in Yourself is an attitude, Believing in yourself is a choice. It is an attitude you develop over time. Although it helps if you had positive and supportive parents, the fact is that most of us run-of-the-mill parents who inadvertently passed on to us the same limiting beliefs and negative conditioning they grew up with.

But remember, the past is the past. There is no payoff for blaming them for your current level of self-confidence. It's now your responsibility to take charge of your own self-concept and your beliefs. You must choose to believe that you can do anything you set your mind to - anything at all - because, in fact, you can. It might help you to know that the latest brain research now indicates that with enough positive self-talk and positive visualization combined with the proper training, coaching, and practice, anyone can learn to do almost anything.

Christmas Countdown

Christmas Time - Week 7 Special

The Essence of Christmas, The essence of Christmas is to remember that God our creator is always with us. Christmas means happiness and loving our brothers and sisters. As Filipino, we always make sure that we celebrate this very special season with our families, friends and loveones.

Christmas is not about the gifts we give or receive, nor is it about the tasty food and the Christmas tree. It's not about the Kris Kringle or Santa Claus. It's a time to meditate about Jesus and His Father.

Wherever you are this season, give a warm hug or call to your loveones and make them feel that you are always there and really care for them.

Be a Master of Success

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.18 >> Master Success, There is a master inside you. It is an ideal. It is you at your best. Keep working.

You are calm, thoughful, patient and confident.

You are honest, trustworthy, responsible and reliable.

You are loyal and proud.

You are humble and reverent.

You are tough, self-reliant, persistent and hard working.

You are organized, neat and poised.

You are inquisitive and teachable.

You are healthy, vibrant and enthusiastic.

You are kind, friendly, helpful and generous.

You are brave and daring.

You are moral and ethical.

Life is a journey

Bo Sanchez - Spiritual preacher and Motivational speaker.

Ralph Marston - A grand adventure, Don't back away from life just because it gets difficult. Instead, jump into it more fully.

Don't slow down just because the road upward becomes steep. Speed up and get the extra momentum to carry you forward.

There's no good reason to let the challenges get you down. Choose instead to be energized and motivated by them.

Life is a grand adventure. You wouldn't want it to come too easily.

You have all sorts of wonderful skills and abilities. Relish the opportunities to put them to the test and to make them even stronger.

Live with passion and purpose and the resolve to handle whatever may come your way. Never stop discovering how much more you're able to do.

Compounding interest

How to make money work for you.

Compounding interest, is the concept of adding accumulated interest back to the principal, so that interest is earned on interest from that moment on. The act of declaring interest to be principal is called compounding (i.e., interest is compounded). A loan, for example, may have its interest compounded every month: in this case, a loan with $1000 principal and 1% interest per month would have a balance of $1010 at the end of the first month.

Interest rates must be comparable in order to be useful, and in order to be comparable, the interest rate and the compounding frequency must be disclosed. Since most people think of rates as a yearly percentage, many governments require financial institutions to disclose a (notionally) comparable yearly interest rate on deposits or advances. Compound interest rates may be referred to as Annual Percentage Rate, Effective interest rate, Effective Annual Rate, and by other terms. When a fee is charged up front to obtain a loan, APR usually counts that cost as well as the compound interest in converting to the equivalent rate. These government requirement assist consumers to more easily compare the actual cost of borrowing.

Compound interest rates may be converted to allow for comparison: for any given interest rate and compounding frequency, an "equivalent" rate for a different compounding frequency exists.

Accept Differences

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.17 >> Accept Differences, See each person as an individual and not as part of a group. All humans from all countries and cultures are equal without regard to race, color, creed or gender. Believe with confidence and trust that the vast majority of people whom you meet, befriend or do business with are more similar than different from you.
People are inherently good. Most people act in good faith. They mean you no harm and would assist you in time of need. Don't waste your time thinking otherwise. Do not become a party to rumor or gossip.
Reject stereotypes and the divisive and demeaning policies that group people into categories. Be the first to build bridges of tolerance and understanding.

Christmas Countdown

Christmas Time - Week 6 Special

The Essence of Christmas, The essence of Christmas is sharing and giving. For many people, there's what we call celebration where everyone's busy with parties and other social gatherings. For others, they can't feel the essence of Christmas without this spree.
But wait... Let us reflect and ask ourselves... Is that all what it takes to have a joyful Christmas? Celebration isn't bad; however, Christmas reminds us of God's love... so much love that He gave His only Son to save us. He gave all that He could to show us the reason to live. Let us treasure our lives and everyone else.
As we celebrate this season, as we eat and drink, as we savor the happiness being together with our loved ones, let us not forget that there are many parents today whose tears unnoticeably drop from their weary eyes while watching their children eating less or even nothing. Let us not forget that as we buy toys and new outfit for our children, there are children who need to be clothed and cared of. Let us not forget that as we bond together in the family, there are broken homes that need to be prayed for. These thoughts are what we call LOVE. Let's, therefore, give love not just this season but for as long as we live. Let's nurture that passion to love for without it, it is impossible to give and share. Let us also thank God for everything.

You are Special

Bo Sanchez - Spiritual preacher and Motivational speaker.

Ralph Marston - You are worthy, You are worthy of the best in life. It's not because anyone tells you so or gives you permission to be, but because you know deep down that you are.
You have every reason to feel great about the good and valuable things you have done. You have the ability to expand on that goodness, on that value, on your own special gifts.
Where you are is a very good place to be. For you are in a position to truly make a difference by expressing and fulfilling your most deeply held values and dreams.
Certainly things are not perfect, and your world is filled with difficult challenges. Yet there is real treasure hidden within those challenges, for you have what it takes to move successfully through them.
You know how great it feels to accomplish something positive and meaningful. Listen to that feeling, for it connects you to your purpose and your ability to do great things.
Whatever you can imagine, you are worthy of reaching. Choose to make everything in your life worthy of the unique and valuable person you are.

Pass the Test

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.16 >> Pass the Test, Life is a test and the points on that test are earned by how much attention you give to improving yourself and helping others. When your test is graded, to what will you attribute your success: study, hard work, personality, talent, skill, opportunity, connections, patronage or luck? No amount of material success earned and kept will be awarded credit. The greater your blessings, the greater your obligation to share your good fortune.
Use your special talents to serve the common good. Let your actions be motivated by a commitment to charity and justice. Be compassionate, kind and considerate. Free yourself from your attachment to things. Right now is the time to consider your blessings. Start scoring points.

World-Class Filipino Talent

Arnel Pineda - Singing "Open Arms".



Singing "Faithfully"

World-Class Filipino Talent. Arnel Pineda is a Filipino Singer-Song writer and is currently the lead singer of the American rock band Journey . Pineda has enjoyed the successful musical career in Asia for the last 25 years. His singing style was influenced by Steve Perry (Journey), John Farnham (Little River Band), Freddie Mercury (Queen), Sting (The Police), Survivor, Heart, The Beatles, Van Halen, Aerosmith, U2, Warrant, Deep Purple, and other bands.

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Jack Canfield cited in his book "The Success Principles" Believing in Yourself is an attitude, Believing in yourself is a choice. It is an attitude you develop over time. Although it helps if you had positive and supportive parents, the fact is that most of us run-of-the-mill parents who inadvertently passed on to us the same limiting beliefs and negative conditioning they grew up with.

But remember, the past is the past. There is no payoff for blaming them for your current level of self-confidence. It's now your responsibility to take charge of your own self-concept and your beliefs. You must choose to believe that you can do anything you set your mind to - anything at all - because, in fact, you can. It might help you to know that the latest brain research now indicates that with enough positive self-talk and positive visualization combined with the proper training, coaching, and practice, anyone can learn to do almost anything.

Cause Change

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.15 >> Cause Change, The status quo may be comforting, but for there to be growth, there must be change. Since you seek growth, you must seek change. You must see yourself and your environment not only as it is, but also as it could and should be. You seek the changes necessary to reach the better you so that you can play your part in making a better world.

First, you change yourself. Can you change your day and spend more time with your family? Can you change your standard lunch routine and take a walk? Can you change your drive home and stop at a nursing home for twenty minutes and see someone who may have few visitors? Can you change your office habits and find the time to make five more phone calls? What are the possible consequences of not changing? Realize that many people don't make plans because they don't want to risk any change. Doing little with your life is much easier and safer than taking risks, but then you will be a small person. Instead, seek the changes which will allow you to be all that you can be.

Saving vs. Investing

How to make money work for you.

Saving and Investing, Most of us know how to spend the money but many do not know how to make use of money to work for them. Spending is not your only option when it comes to make the smart choices about using money. You can smartly combine Savings and Investing of your money to make your money work for you and help you to generate passive cash stream to your account.

Saving and investing are two different things. When you save you earn interest, when you invest, your money makes money. Saving is for the short term, investing is for the long term. When you combine saving and investing, you're not only setting money aside, you're also putting your money to work for you.

You create your emergency fund through savings. This fund is important to protect you if you lose or quit your job and need time to find a new job. An emergency fund is important to save you from any financial crisis and helps you to sleep well at night because you know you are prepared for what might happen.

After protecting your short-term needs through savings, you can grow a portion of your money for long-term needs or generating a steady stream of income to improve your living style. Here comes the importance of Investing. The main purpose of investing is to use money to make more money for you. Almost all investments have certain level of risk; in general. the higher the risk, the better the potential return. It's also means that the higher the risk, the higher the potential loses. You may need to take on additional level of risk in the exchange for a higher level of return than what you can earn in an ordinary savings account. That's why the combination of savings and investing works perfectly to make your money work for you through investing while protecting you from any financial disaster through savings.

When we talk about investing the money, commonly, it means that putting your money into the money markets. Money markets are really mutual funds of cash investments like U.S. Treasury bills, CDs (certificates of deposit), and cash, and are managed by professional money managers. Many investment companies that offer a money market account will waive your initial investment if you set a regular investment plan with them such as $25 or $50 per month. You can utilize this advantage to get your money market account open and put your money to work for you.

In Summary: Investing into money market gets you a higher return than savings accounts. It is a good way to use your money to make more money for you. While investing your money into the money market, you need to create your emergency funds in your savings account so that you are protected from any unexpected financial crisis.

Surround yourself with friends that will support you

Bo Sanchez - Spiritual preacher and Motivational speaker.

Colin Powell - Surround Yourself with Serious People, Organization doesn't really accomplish anything. Plans don't accomplish anything, either. Theories of management don't much matter. Endeavors succeed or fail because of the people involved. Only by attracting the best people will you accomplish great deeds.

Look for intelligence and judgment and, most critically, a capacity to anticipate, to see around corners. Also look for loyalty, integrity, a high-energy drive, a balanced ego and the drive to get things done. Surround yourelf with people who take their work seriously, but not themselves, those who work hard and play hard!.

Get Tough

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.14 >> Get Tough, Tough means that you are willing to stand tall and persevere. Even when your mind and body signal perfectly good reasons for giving up, you go on. This tough is obvious. But tough can be seen every day if we choose to look. Tough may be a patient undergoing cancer treatments or a single mother struggling to raise children. Tough can be an alcoholic ready to face rehab or an athlete living in a wheelchair. Tough can be rejecting false praise and honestly accepting you and your children for who and what you are. Tough is an ability to make the best from what you are given. Tough is making the decision to replace self-pity, complaints and dependence with self-reliance, independence and action.

You've got to be tough to do the big in life like taking risks, admitting mistakes, and changing bad habits. You've got to be tough to do the little things like biting your tongue, waiting your turn and putting up with fools. Self-reliance and self-confidence will demand your toughness. Then, you must temper toughness with kindness, realizing that many times it will be tough to be kind. Be kind anyway.

Christmas Countdown

christmas Time - Week 5 Special

The Essence of Christmas, Christmas is the most awaited moment of many Filipinos especially Overseas workers who are working far away from the Philippines. It is the time that we are longing to go back home and be with our loveones. Christmas symbolizes the unconditional love of God to us. Also a reminder that we should be loving and generous enough to help other people in need and share our blessings to anyone who are less fortunate. The essence of Christmas should be always in our heart.