Last Christmas, we probably received cash as gifts from some of our wealthier or purportedly wealthy relatives. Some have received a substantial amount, while others may have received a relatively small amount of money. Others may have received big bonuses or Christmas incentives. So what happened to the money that you received? Did you spend all of it already? Are you still keeping it under your mattress? Are you planning to buy some gifts with your Christmas bonuses ? Here are some ideas ways on what to do with that money. 1.) Put your money in the bank – Contrary to what most people think, banks are not only a place where you could keep your money safe. Banks offer several ways wherein you can make your money grow. Savings account only offers small interest rates. Time deposits on the other hand offer a higher interest rate. Time deposits however are sort “long term investments” since you cannot withdraw your money for a long period of time. This will however give you a … [Read more...]
What on earth is VOIP ?
Last week I wrote something about VOIP in a post although the main topic was not all about VOIP but about business. Some of my readers who are not technology savvy are wondering what VOIP is. (Voice Over Internet Protocol) It is very important to know what VOIP is, since it is considered as the "Next big thing" to computers. I will be writing more about this in the business category. For those of you who wish to understand what it is, here is a nice little clip from Youtube. The clip may be old (2004) but it tells you basically what VOIP is all about. By the way VOIP technology has somewhat advanced for the past 3 years. Here's the clip. … [Read more...]
My Favorite preacher
John MacArthur is the pastor-teacher of Grace Community Church in Sun Valley, California since 1969, and is the president of The Master's College (and the related The Master's Seminary) in Santa Clarita, California. He is a prolific writer and minister noted for his radio program titled Grace to You. MacArthur's theology can be considered a Dispensationalist and Calvinist, and a strong proponent of expository preaching. He has been acknowledged by Christianity Today as one of the most influential preachers of his time, and has frequently guessed on the Larry King Live TV talk show as a representative of an evangelical Christian perspective. He has authored or edited more than 150 books, most notably the MacArthur Study Bible, which has sold more than 1 million copies and received a Gold Medallion Book Award. Other best-selling books include his MacArthur New Testament Commentary Series (more than 1 million copies), Twelve Ordinary Men, (more than 500,000 copies), and the … [Read more...]
Secret to a long lasting marriage? – SALT
Two weeks ago my cousin got married. Marriage for us is always a family affair. Anyway, the whole “MACEREN” clan went to the wedding. Every time somebody in the clan gets married, the great patriarchs are always entitled to a “no-time-limit” speech. So my grandfather, the great Atty. Silvino Maceren Jr. gave his famous speech, which I heard for more than a dozen times already. He also gave this speech in my wedding. The speech has already sunk so deep into my mind that I am thinking about writing a book about it. According to him, the secret to their more than 50 years of marriage with my Lola Patricia is SALT. He usually begins with this story: There was an old king who one day asked his three daughters one by one if they loved him. The first daughter replied that he loved his father as much as she loves all the gold in the kingdom. The king was so happy to hear how much he was loved by his first daughter. The second daughter said that he loved her father as much she loves all … [Read more...]
Would you have invested with the skinny little geek?
Would you have invested with the skinny little geek? Sometime last week, my Dad asked me to attend a multi-level marketing seminar involving Voice Over Internet Protocol (V.O.I.P) products. He wanted to attend the seminar personally but he asked me to attend the seminar primarily for two reasons first he had another meeting to attend and secondly, he just did not understand what the product is all about. (This also goes for all other “hi-tech” products) So I reluctantly attended the seminar. An American gave the presentation. He was very eloquent and convincing. The product was equally good as well. But what really intrigued me was the sales pitch he made when asked he people to join the multi-level marketing company. He told us that Microsoft is one of the richest and one of the most successful company in the world. The company is currently worth more than $ 200 Billion dollars. If these guys would come knocking at your door, you wouldn’t hesitate to give them your … [Read more...]
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