Wednesday, September 23, 2009

All about mortgage


A mortgage is the transfer of an interest in property to a lender as a security for a debt - usually a loan of money. While a mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.

Not only do you have to understand what type of mortgage you should choose, you have to understand the costs associated with your mortgage. All of these costs will be paid upon closing your mortgage.

Purchase Points

Purchase points, also known as a "buy-down" or "discount points," are an up-front fee paid to the lender at closing to buy-down or lower your interest rate over the life of the loan. Each point is equal to one percent of your total loan amount. If you have a $100,000 loan, one point would equal $1,000. The more points you buy, the lower your interest rate, but the more money you'll need at closing.

How do you decide whether you should buy points and if so, how many? Well, the decision should be based on how long you plan on living in your home and what you can afford to pay each month toward your mortgage. If you plan on living in your home for more than five years, it's probably a good idea to purchase points. The longer you live in your home, the more you can save on interest over the life of the loan.

Interest Rate

When you get a mortgage, you are charged an interest rate. This is the rate which the lender charges you for using their money to buy a home. It determines how much your monthly payments will be. Generally speaking, the higher the interest rate, the higher your monthly payment.

Mortgage interest rates change constantly. Daily, even hourly. If you speak to a lender and are quoted a specific interest rate, that's not to say you'll necessarily get that rate when you close on your loan. Not unless you formally lock-in that rate with the lender. Locking in an interest rate will guarantee you get your loan with a particular interest rate. Lenders will allow you to lock in for 15, 45 or 60 days. But the longer you lock in, the more expensive it will be, since it's more of a risk to lenders.

Fees

There are always fees associated with getting a mortgage, these fees cover the cost of processing and underwriting the loan. These fees can include charges for ensuring the title to the home is free and clear; paying for a land survey; or paying for a home appraisal which gives you the estimated value of the property (lenders require an appraisal to close on your mortgage).

Deciding which mortgage to get may depend on what each lender does because different lenders may charge different amounts. Some may charge lesser closing fees to lure you in, but may charge you a higher interest rate, which means you may pay more in the long run. But everyone has different needs.you may or may not be able to afford to pay more at closing and are willing to pay more over the long term.

Before it comes time to close, do your homework, make sure there are no hidden fees, and ask your lender lots of questions so that you understand all the costs involved with your mortgage.

Source: http://realestate.yahoo.com/loans/guides/understanding-points-rates-and-fees.html

I hope by this, you will be able to think clearly of what type of mortgage will help you as a lender and how much will be the cost. Good luck!

Friday, September 18, 2009

Tips for Beginner Photographers


As a person who has passion in photography, these are the tips which helped me get going and I want to share it with the newbies in photography.

1. Don’t go crazy buying the most expensive equipment right away.

It’s possible to get very nice photos with an inexpensive point and shoot. See these examples on Flickr. The more photos you take, the more you’ll know about what kind of camera to get when it’s time to upgrade.

2. Consider a tripod.

On the other hand, an inexpensive tripod is worth getting, especially if you have shaky hands like mine. When I got a tripod, my satisfaction with my shots skyrocketed. For even more stability, use your camera’s timer function with a tripod (read our introduction to tripods).

3. Keep your camera with you all the time.

Photo ops often come when you least expect it. If you can keep your equipment relatively simple - just a small camera bag and a tripod - you might be able to take advantage of some of those unexpected opportunities. Or, if your phone has a camera, use it to take “notes” on scenes you’d like to return to with your regular camera.

Read more: http://digital-photography-school.com/11-tips-for-beginner-photographers#ixzz0RWVQAcIO

4. Make a list of shots you’d like to get.

For those times you can’t carry your camera around, keep a small notebook to jot down places you’d like to come back and photograph. Make sure to note any important details, like the lighting, so you can come back at the same time of day or when the weather’s right. If you don’t want to carry a notebook, send yourself an email using your cell phone with Jott.com.

5. Don’t overlook mundane subjects for photography.

You might not see anything interesting to photograph in your living room or your backyard, but try looking at familiar surroundings with fresh eyes. You might catch an interesting trick of the light or find some unexpected wildflowers in your yard. Often a simple subject makes the best shot.

Read more: http://digital-photography-school.com/11-tips-for-beginner-photographers#ixzz0RWWhw5aH

6. Enjoy the learning process.

The best part of having a hobby like photography is never running out of things to learn. Inspiration is all around you. Look at everything with the eyes of a photographer and you’ll see opportunities you never noticed before.

7. Take advantage of free resources to learn.

Browse through Flickr or websites like the Digital Photography School Forum for inspiration and tips. Also, your local library probably has a wealth of books on all types of photography. If you’re interested in learning about post-processing, give free software like the GIMP a try.

8. Experiment with your camera’s settings.

Your point and shoot may be more flexible and powerful than you know. Read the manual for help deciphering all those little symbols. As you explore, try shooting your subjects with multiple settings to learn what effects you like. When you’re looking at your photos on a computer, you can check the EXIF data (usually in the file’s properties) to recall the settings you used.

9. Learn the basic rules.

The amount of information about photography online can be overwhelming. Start with a few articles on composition. Be open to what more experienced photographers have to say about technique. You have to know the rules before you can break them.

10. Take photos regularly.

Try to photograph something every day. If you can’t do that, make sure you take time to practice regularly, so you don’t forget what you’ve learned. An excellent way to motivate yourself is by doing the weekly assignments in the DPS Forum.

11. Don’t be afraid to experiment.

If you’re using a digital camera, the cost of errors is free. Go crazy - you might end up with something you like. You’ll certainly learn a lot in the process.

Source: http://digital-photography-school.com/11-tips-for-beginner-photographers

I hope these tips will help beginners out there. These will certainly help out the best in you guys. Just have focus and keep your selves on the track. Remember that passion is the key to success. Good luck!

Exercise, Endorphins and Happiness are Interrelated



I often hear that endorphins can make us happy. I would like to share what it is and how does it brings happiness to everyone.

Endorphins are endogenous opioid polypeptide compounds. They are produced by pituitary gland and hypothalamus in the vertebrates during strenuous exercise. These endorphins have incredible benefits. They are proteins that lowers blood pressure and are even said to fight cancer. These has certainly lots of benefits to our body.

I hope this will consciously remind us to exercise regularly since it will release endorphins which will make us happy. The more we release endorphins the happier and healthier we can be.


Blood Type Diet

According to Dr. Peter DÁdamo, author of Eat Right For Your Type, a chemical reaction occurs between your blood and the foods you eat. This reaction is part of your genetic inheritance. This reaction is caused by a factor called Lectins. Lectins, abundant and diverse proteins found in foods, have agglutinating properties that affect your blood. So when you eat a food containing protein lectins that are incompatible with your blood type antigen, the lectins target an organ or bodily system and begin to agglutinate blood cells in that area.

Fortunately, most lectins found in the diet are not quite so life threatening, although they can cause a variety of other problems, especially if they are specific to a particular blood type. For the most part your immune systems protect you from lectins. Ninety-five percent of the lectins you absorb from your typical diets are sloughed off by the body. But at least five percent of the lectins you eat are filtered into the bloodstream and different reactions in different organs.

Your blood type diet is the restoration of your natural genetic rhythm. Your blood type diet works because you are able to follow a clear, logical, scientifically researched plan based on your cellular profile. Each food groups are divided into three categories: Highly beneficial ( food that acts like Medicine), Foods allowed (food that are no harm to the blood type) and Foods not allowed (food that acts like a Poison.)

Select your blood group for detail chart:
Simpler List

Diet Profile Allowed Limited Food to avoid for Weight Loss purpose Food that help with Weight Loss
Type O High Protein:
Meat eaters
Meat
fish
vegetables
fruit
grains
beans
legumes
wheat
corn
kidney beans
navy beans
lentils
cabbage
Brussels sprouts
cauliflower
mustard greens
kelp
seafood
salt
liver
red meat
kale
spinach
broccoli
Type A Vegetarian vegetables
tofu
seafood
grains
beans
legumes
fruit





meat
dairy
kidney beans
lima beans
wheat
vegetable oil
soy foods
vegetables
pineapple
Type B Balanced omnivore meat (no chicken)
dairy
grains
beans
legumes
vegetables
fruit


corn
lentil
peanuts
sesame
seeds
buckwheat
wheat
greens
eggs
venison
liver
licorice
tea
Type AB Mixed diet in moderation meat
seafood
dairy
tofu
beans
legumes
grains
vegetables
fruits

red meat
kidney beans
lima beans
seeds
corn
buckwheat
tofu
seafood
dairy
greens
kelp
pineapple

Source: http://www.drlam.com/blood_type_diet/

Tips for Getting Better Sleep



Do you have trouble falling asleep, or toss and turn in the middle of the night? Awaken too early, or find yourself not feeling refreshed in the morning? You are not alone: millions of people struggle with falling and staying asleep.

Unless you’re suffering from a serious sleep disorder, simply improving your daytime habits and creating a better sleep environment can set the stage for good sleep. By developing a good bedtime routine and designing a plan that works with your individual needs, you can avoid common pitfalls and make simple changes that bring you consistently better sleep.

Better Sleep Tip I: Improving your daytime habits

How can what you do during the day affect your sleep at night? Better sleep starts with good daytime habits, from when (and how often) you exercise to what you eat and drink.

Regular day exercise can help sleep

Regular exercise, aside from many other wonderful health benefits, usually makes it easier to fall asleep and sleep better. You don’t have to be a star athlete to reap the benefits-- as little as twenty to thirty minutes of activity helps. And you don’t need to do all 30 minutes in one session: break it up into five minutes here, ten minutes there. A brisk walk, a bicycle ride or a run is time well spent. However, be sure to schedule your exercise in the morning or early afternoon. Exercising too late in the day actually stimulates the body, raising its temperature. That’s the opposite of what you want near bedtime, because a cooler body temperature is associated with sleep. Don’t feel glued to the couch in the evening, though. Exercise such as relaxation yoga or simple stretching shouldn’t hurt.

Get some light to set your body clock

We all have an internal body clock that helps regulate sleep. This clock is sensitive to light and dark. Light tells your body clock to move to the active daytime phase. When you get up, open the shades or go outside to get some sunlight. If that’s not possible, turn on the lights to make your environment bright.

Napping can interfere with sleep

Perhaps the English had the right idea in having teatime in the late afternoon when you naturally get sleepy. Some people can take a short afternoon nap and still sleep well at night. However, if you are having trouble sleeping at night, try to eliminate napping. If you must nap, do it in the early afternoon, and sleep no longer than about thirty minutes.

Alcohol, caffeine, smoking

  • Alcohol reduces overall quality of sleep. Many people think that a nightcap before bed will help them sleep. While it may make you fall asleep faster, alcohol reduces your sleep quality, waking you up later in the night. To avoid this effect, stay away from alcohol in the last few hours before bed.
  • Caffeine. You might be surprised to know that caffeine can cause sleep problems up to ten to twelve hours after drinking it! If you rely on coffee, tea or caffeinated soda to keep you going during the day, consider eliminating caffeine after lunch or cutting back your overall intake.
  • Smoking. Smoking causes sleep troubles in numerous ways. Nicotine is a stimulant, which disrupts sleep. Additionally, smokers actually experience nicotine withdrawal as the night progresses, making it hard to sleep.

Better Sleep Tip II: Creating a better sleep environment

The key to better sleep might be as simple as making some minor changes to your bedroom. Take a careful look around your sleep environment to see what might be disrupting your sleep.

Your Bed

  • Is your bed large enough? Do you have enough room to stretch and turn comfortably in bed, or are you cramped? Having a bedmate makes this even more important- both of you should have plenty of room to stretch out. Consider getting a larger bed if you don’t have enough space.
  • Your mattress, pillows and bedding. Waking up with a cramp in your back or a sore neck? You may want to experiment with different levels of mattress firmness and pillows that provide more support. If your mattress is too hard, you can add a foam topper for additional softness. Experiment with different types of pillows – feather, synthetic, and special pillows for side, back or stomach sleepers. Consider your bedding—scratchy sheets might be making you uncomfortable in the middle of the night, or your comforter might not be keeping you warm enough. Consider soft, breathable cotton sheets. Flannel sheets may be cozy for the winter months.

Your Room

Ideally, to maximize sleep, your room should be quiet, dark and at a comfortable temperature and ventilation.

Keep the noise level down. Too much noise- loud outside conversations, televisions blaring, traffic noise - can make it difficult to sleep well. When the source of outside noise can’t be eliminated, sometimes it can be masked. A fan or white noise machine can help block outside noise. Some people enjoy recordings of soothing sounds such as waves, waterfalls or rain. Earplugs may also help, although you want to make sure they don’t block out important noises like an alarm clock if you use one.

  • Keep your room dark during sleep hours. Early morning light can send your body clock the wrong signal that it is time to wake up. Or perhaps there is a streetlamp shining right in your window at night. Heavy shades can help block light from windows, or you can try an eye mask to cover your eyes.
  • Room temperature and ventilation. Who can sleep in a hot stuffy room? Or for that matter, a cold drafty one? If you can, experiment with the room temperature. Most people sleep best in a slightly cooler room. Make sure that you have adequate ventilation as well - a fan can help keep the air moving. You also might want to check your windows and doors to make sure that drafts are not interfering with sleep.
  • Reserve your bed for sleeping. Do you sometimes balance your checkbook propped up on your pillows? Or jot down some notes for tomorrow’s meeting? It might feel relaxing to do tasks like these on a comfortable bed. However, if you associate your bed with events like work or errands, it will only make it harder to wind down at night. Use your bed only for sleep and sex.

Better Sleep Tip III: Preparing for Sleep

Keep a regular bedtime schedule, including weekends

Time of day serves as a powerful cue to your body clock that it is time to sleep and awaken. Go to bed and wake up at the same time each day, and it will be easier and easier to fall asleep. However tempting it may be, try not to break this routine on weekends when you may want to stay up much later or sleep in. Your overall sleep will be better if you don’t.

In setting your bedtime, pay attention to the cues your body is giving you. When do you feel sleepy? Set your bedtime for when you normally feel tired, within reason – you may not want to make your bedtime 2am if you have to work at 8am! If you regularly go to bed when you don’t feel sleepy, not only is it harder to fall asleep, but you may start worrying about not sleeping, which can end up keeping you up longer! If you want to change your bedtime, try doing it in small daily increments, such as 15 minutes earlier or later each day.

Foods that help you sleep

Maybe a rich, hearty dinner, topped off with a big slice of chocolate cake might seem like the perfect way to end the day, but it’s wise not to eat a large meal within two hours of bed. Try to make dinnertime earlier in the evening, and avoid heavy, rich foods as bedtime snacks.

However, a light snack before bed, especially one which contains the amino acid tryptophan, can help promote sleep. When you pair tryptophan-containing foods with carbohydrates, it helps calm the brain and allow you to sleep better. For even better sleep, add some calcium to your dinner or nighttime snack. Calcium helps the brain use and process tryptophan. On the other hand, you might want to avoid eating too much protein before bedtime - protein-rich foods contain tyrosine, an amino acid that stimulates brain activity. Experiment with your food habits to determine your optimum evening meals and snacks.

Some bedtime snacks to help you sleep:

  • Glass of warm milk and half a turkey or peanut butter sandwich
  • Whole-grain, low-sugar cereal or granola with low-fat milk or yogurt
  • A banana and a cup of hot chamomile tea

aily increments, such as 15 minutes earlier or later each day.

Foods that can interfere with sleep

Some food and drinks that can interfere with your sleep, including:

  • Too much food, especially fatty, rich food. These take a lot of work for your stomach to digest and may keep you up. Spicy or acidic foods in the evening can cause stomach trouble and heartburn, which worsens as you are laying down
  • Too much liquid. Drinking lots of fluid may result in frequent bathroom trips throughout the night.
  • Alcohol. Although it may initially make you feel sleepy, alcohol can interfere with sleep and cause frequent awakenings. Also some people are also sensitive to tyrosine, found in certain red wines
  • Caffeine. Avoid food and drinks that contain caffeine, and that doesn’t just mean coffee. Hidden sources of caffeine include chocolate, caffeinated sodas, and teas.

If you suspect a food or drink is keeping you up, try eliminating it for a few days to see if sleep improves.

Develop a relaxing bedtime routine

A consistent, relaxing routine before bed sends a signal to your brain that it is time to wind down, making it easier to fall asleep.

Start by keeping a consistent bedtime as much as possible. Then, think about what relaxes you. It might be a warm bath, soft music or some quiet reading. Relaxation techniques, such as yoga, visualization or muscle relaxation not only tell your body it is time for sleep but also help relieve anxiety.

Avoid bright light or activities which cause stress and anxiety.

Better Sleep Tip IV: Getting back to sleep, television and sleep medications

Getting back to sleep

It’s normal to wake briefly during the night- a good sleeper won’t even remember it. However, there are times when you may wake during the night and not be able to fall back asleep. You may get more and more frustrated about not being able to sleep, which raises your anxiety level, ironically making it even harder to achieve the sleep you crave!

  • Stay relaxed: The key to getting back to bed is continuing to cue your body for sleep. Some relaxation techniques, such as visualization and meditation, can be done without even getting out of bed. The time honored technique of “counting sheep” works by engaging the brain in a repetitive, non-stimulating activity, helping you wind down.
  • Do a quiet, non-stimulating activity if you can’t sleep: If you’ve been awake for more than 15 minutes, try getting out of bed and doing a quiet activity. Keep the lights dim so as not to cue your body clock that it’s time to wake up. A light snack or herbal tea might help relax you, but be careful not to eat so much that your body begins to expect a meal at that time of the day.

Television

Many people use the television to fall asleep or relax at the end of the day. You may even have a television in your bedroom. However, it’s best to get rid of the television, or related activities like video games, for several reasons.

First, television programming is frequently stimulating rather than calming. Late night news or prime time shows frequently have disturbing, violent material. Even non-violent programming can have commercials which are jarring and louder than the actual program. Remember, commercials want to get your attention! Processing this type of material is a stimulating activity, the opposite of what you want to help you sleep.

In addition, the light coming from the TV (or a computer screen) can interfere with the body’s clock, which is sensitive to any light. Television is also noisy, which can disturb sleep if the set is accidentally left on.

  • Take the TV out of the bedroom - The optimum setup for better sleep is to have your bedroom reserved for sleeping. So if you watch TV in bed, even if you don’t fall asleep watching it, you are unconsciously associating another activity with the area you use to sleep. It’s best to remove the TV from the bedroom entirely, saving your viewing for the living room or den.
  • Trouble falling asleep without the TV - You may be so used to falling asleep with the TV that you have trouble without it. Be patient. It takes time to develop new habits. If you miss the noise, try turning on soft music or a fan. If your favorite show is on late at night, record it for viewing earlier in the day. Although the first few days might be difficult, better sleep pays off in the long run.

Medications and sleep

If only sleeplessness could be completely cured by a simple pill! There are certainly plenty of over-the-counter sleep aids. However, these medications are not meant for long term use. They can cause side effects and even rebound insomnia, where your sleep ends up worse than before. Prescription medications are no magic pill, either. If you must take sleep prescription.

Learning about medical treatment options can help you make an informed choice about treating your sleep problems. Behavioral modifications often make the largest difference in good sleep.

Have you started a new medication lately? Some medications have sleeplessness as a side effect. If you suspect this may be the case, be sure to communicate with your healthcare professional.

Quality sleep is important to your health. Make a commitment to yourself – don’t “rest” until you find the solution to your sleep problems!

Source: http://www.helpguide.org/life/sleep_tips.htm



Great Tips for Healthy Weight Loss


Losing weight seems to be a national conversation. Each year, the bestselling books list in the United States seems to contain a variety of diet, health and self-help books. In addition to the obvious improvement in external appearance, the positive physical, psychological and emotional changes associated with healthy weight loss are extremely powerful.

For lasting change with weight loss, there are some key tips for approaching weight loss that can be very helpful to your ultimate success.

Think medium. And long (-term).

If you are overweight, and whether you have gained just a few pounds or quite a few, one of the first things to remember is that it likely happened over a decent amount of time. Though it may seem that the extra 15 pounds (or 25 or 60) appeared overnight, the reality, backed by science, is that the gain was relatively slow and gradual.

Perhaps you changed jobs and had a longer commute, or sit in front of a computer or in meetings much more than you used to. Maybe an important internal or external event left a void that food sometimes replaced. Regardless, it's important to remember and to plan realistically for success: real, sustainable, healthy weight loss needs to also take place gradually. By setting your expectations and understanding in the medium and long term, you can pace and plan effectively for exactly what, when and how your weight loss can happen.

Be realistic. Go slow(er) rather than fast.

Your specific weight loss goals should be realistic. One important factor, besides the amount of weight you want or need to lose, is what kinds of changes you can realistically make, and how many changes are reasonable to expect. This is something only you can answer, but think baby steps at first.

People who lose weight more slowly, through gradual changes and improvements, are more likely to have long-lasting and long-term weight loss, not to mention health and psychological benefits.

Break it down. Write it down. Add it up.

What kinds of situations and behaviors may have led to the excess weight? Often times, by breaking down exactly how weight gain happened, we can recognize where changes can be made that can reverse the course.

Did the new job mean that you're not getting the dog out for her morning walk? Are you eating later than you used to? Is breakfast a cup of coffee and a scone on the ride to work, with lunch usually skipped because of meetings, followed by a voracious approach to dinner? Too many trips to the fast food joint because it's right on the way?

Be specific. Set a goal. Have a plan.

By being specific, we are not talking only about "how many pounds" and your timetable (lose 15 pounds in five months). For example, a recent study out from the Centers for Disease Control (CDC) found that weighing oneself daily and doing thirty minutes of any kind of physical activity a day are two important indicators for those who were able to keep weight off long term. Are you able to incorporate daily activity at some point in your day?

Commit to the activity and the time—walking the dog in the morning each day, for example. With pedometers becoming more popular and inexpensive, one can be specific about how many steps per day as a goal, with a list of strategies daily strategies to get there (park the car farther away, walk with the neighbor after work and before dinner, etc.).

Know where you stand

It is important to know whether and how well you are progressing, and the best way is to buy an inexpensive scale and weigh yourself (do try to weigh yourself at the same time every day, as weight often fluctuates throughout the day). Then write it down. It can be very motivating to look back over time and see the steady, gradual, positive results as you make specific changes.

Be your own best friend and coach.

Don't be too rigid, and be sure to reward yourself. If you're obsessed with all the things you have to give up or cut down on, your focus becomes only negative. Make a list of all of the great foods you can and will enjoy more. Some people love fresh watermelon. Or Manhattan clam chowder. Curried chicken. Mango sorbet. Fresh steamed asparagus. Frozen yogurt. A turkey melt. Corn on the cob. The list of things you can have is longer than the list of things you need to cut down on. What are your favorites?

There of course may be times when you splurge—if it's planned as a reward, enjoy it! But if the splurge wasn't planned, it doesn't help to think you've "fallen off the wagon" and are suddenly, in one quick swoop, starting over from the beginning. Be your own coach—this game is not lost in one play. The important part is to not think that you have failed completely, only that you'll get to the next day, or the next meal, or the next walk, and adjust.

Source: http://www.healthandwellness.com/healthandwellness/foodnutrition/WeightLoss/TipsWeightLoss.html

Women and High Blood Pressure


Three out of four women with high blood pressure know they have it, yet fewer than one in three are controlling their blood pressure. All women should take steps to do so, with attention to the following factors that can increase it.

  • Oral contraceptives (birth control pills): Women taking birth control pills usually have a small increase in both systolic and diastolic blood pressure. If you have high blood pressure and are using birth control pills, get your blood pressure checked regularly. Talk to your doctor about a possible rise in blood pressure and what you can do about it. If you have high blood pressure, are age 35 or older, and also smoke, you should not take birth control pills unless you quit smoking, as you will be more likely to develop heart disease or have a stroke.
  • Pregnancy: Many pregnant women with high blood pressure have healthy babies. However, high blood pressure can be dangerous for both the mother and the baby. High blood pressure can harm the mother's kidneys and other organs, and it can cause low birth weight and early delivery. If you are thinking about having a baby and you have high blood pressure, talk first to your doctor or nurse. You can take steps to control your blood pressure before and during pregnancy.
  • Postmenopausal hormone therapy: Large randomized trials indicate that postmenopausal hormone therapy causes a small increase in systolic blood pressure. If you start taking postmenopausal hormone therapy, you should have your blood pressure checked regularly and consult your doctor regarding any questions.

Source: http://www.healthandwellness.com/healthandwellness/womenshealth/HeartHealthW/WomenandHighBloodPressure.html

Approaching 2010 Philippine General Election



Presidential elections, legislative elctions and local elections are scheduled to be held on May 10, 2010. It will be administered by the Commission on Elections (COMELEC) in compliance with the Republic Act No. 9369, also known as Amended Computerization Act of 2007. It will be the first national computerized election in the history of the Philippines.

There is really a "bang" when people talk about May 2010 elections since it will have an impact to every Filipino citizen. Wherever we are, we used to hear this topic since it is indeed fast approaching. Everyone is really concern, that they do talk about this because by means of sharing their thoughts they can also enlighten others mind.

I am talking about this since I just want to voice out my thoughts and opinions as well. I believed each of us already has a "bet" of whose to vote for a specific position, but that is still tentative. We should not just look, but study as well the possible impact of each candidate's Platform. We have to be very careful of choosing who are we agoing to cast our vote since it is a very sensitive issue. Our vote will just be a number of vote to each candidate but it comprised Philippine's future.

I just want to reiterate that we have to open our consciousness on the day of election so that we won't be disappointed on the latter days, months and years. It is indeed our choice of what political future we want in our country, so think well before casting your vote and remember not to put any dirt on it.

Wednesday, September 16, 2009

A Mother's Love is Never Ending



A mother's love cannot be compared
for hers is an ever constant love,
unlimited, unchanging, and forever.
A mother will hold you while you cry,
soothe you with kind words
when it seems the rest of the world
has turned against you.
A mother will love you when you think
that it's impossible that anyone could;
no matter what you have done or said
or failed to do or say,
a mother truly forgives.
A mother will lift your spirit
when you feel there is no hope.
give you confidence and strength
to begin again and make you laugh
when you think you'll never smile again.
A mother will stand by your side even when she stands alone;
she will take you as you are
and never ask for more
than your love in return.




Do you know how important you are to me?

I know you probably wonder
from time to time
what you mean to me.

So I'd like to share this thought
that you mean
so much to me.

Think of something
that you couldn't live without
and multiply by hundred.

Think of what happiness means to you
and add it to the feelings you get
on the best days you've ever had.

Add up all your best feelings
and take away all the rest
and what you're left is
exactly how I feel about you.

You matter more to me
than you can imagine
and much more than
I'll ever be able to explain.

Tuesday, September 15, 2009

A blessing


You are always a blessing
that every parent hoped for
wished for, longed for, and prayed for.

From the moment you were made
They wanted to inculcate on your mind and heart
that you were made out of love

And that you are love as much as your parents love each other
and sometimes you are even love more than you expected
More than any parent can expect how much they will love you

You are their precious gem
Gentle as a newborn baby
and sparkling as a priceless stone.

That's how much your parents loves you
and that's how they value you as an individual
You are a blessing
any parent could have.

Perfect Mother

Your heart is big. Your love is pure. You want the best for me and care about everything I'm going through. You often put my needs above your own and overlook my mistakes. You love me without condition. Whatever I am and whatever I do is okay with you. You accept me... all of me. You're more than I could ever hoped for in a mother. You're my perfect mother, and I'm so thankful for you.

You're always there, to hear my complaints, to share my joy, to feel my pain, to listen to my latest adventure, to advise me, to cry with me, to hope for me, to laugh with me, to forgive me when I do something dumb. I've never heard a harsh word from you that wasn't justified. I've never seen selfishness from you, only a mother who gives her love freely, happily, joyfully, and perfectly.

Thank You Mom!

Father

For as long as I can remember
you have been by my side
to give me support
to give me confidence
to give me help

For as long as I can remember
You have always been the one
I looked up to
so strong
so sensitive
so handsome

For as long as I can remember
and still today
You are everything a father should be

For as long as I can remember
You have always provided stability
within our family
full of laughter
full of tears
full of love

So much of what I have become
is because of you
And I want you to know that
I appreciate you, thank you,
and love you
more than words can express

This poem is for my dad.
I salute you!

Saturday, September 12, 2009

PINK

Being tagged as a lady in pink gives me self-satisfaction. With all honesty every time I get to see something or someone wearing with this kind of color it uplifts my spirit for a lot of reasons, like the brightness that it has and I used to remember my favorite Sanrio character which is Hello Kitty.

I started collecting pink stuffs when I was in High School. When I turned College I used to wear pink everyday that's why I was tagged as the lady in pink in our batch. Now, I'm not wearing pink everyday like what I did few years back. But the passion of collecting still continues.

Hurray to all Pink Lovers!

What is like being a middle child?

Being a middle child is not that easy for it requires a lot of adjustments. I need to readily adopt to my sister's older image because I have a younger brother. I also have to follow her and portray a good example towards my younger brother. But how about me being a younger and older sister? Sometimes, I am thorn if where I am suppose to stand. Well, I guess I just have to balance everything.

The good thing about being a middle child is the privilege of being love and being able to portray these roles simultaneously. And everyday I get the chance to deal and learn from someone whose older and younger than me.

Contemporary Atheist?

I have this new-found-friend who shared almost all of her life experiences to me. I can say that I got interested with her life story. I just wanted to share it here since I think it will have a moral lesson to everyone. She quoted "I am a contemporary atheist." Hearing that from her pains me and made me realized I have to work more in order for her to realize why believing is vital.

Here's the thing, most of us focused on the sorrows that we had or have right now. Isn't it much important that we should remember the days of blessings and forget the days of sorrows? How does that sound guys?

Well, what I believed is that God moves in mysterious ways. And what we have right now is indeed the best not just for our own selves but for all of us. If you are experiencing pains or sorrows right now, it could be a blessing in disguise. Just believe in the power of the Lord.

Maybe most of you are wondering why I have this kind of faith and optimism, well it is because I am blessed. When I say blessed--it not just counts the literal meaning of blessings but I also consider each pain as a blessing in disguise.

I just want to reiterate that it is most important to keep that faith within ourselves and drop all those questions why things did not go the way we wanted it to be. For in a certain time, we will have it. If not now, maybe tomorrow is the best time.

Friday, September 11, 2009

Welcome!

Well obviously I'm a newbie here at blogger. I'm trying to explore my computer and communication skills that's why I decided to create my own blog.

I started blogging when I got my first social network site - - Friendster and by then I used to post blogs. Eventually, I started joining some other social networks like My Space, Facebook, Yahoo Messenger, Twitter and Multiply. It just came to a point that I've realized that I need to have my own blogger account.

I love looking at others blogs and reading their posts that's why I am too inspired of having my own too and I just love having it NOW!