Friday, February 15, 2013

Commitment: Take care of family.... and money.



I admire parents who raised their kids educating them about finances. I know some friends who have always been more than responsible in handling money. There are some of them who started early - savings, mutual funds, time deposits, small businesses, insurance, real estate, etc.

I was one of those who lived from paycheck to paycheck. I only began looking into it seriously when I got pregnant with Gab. I started to really look into the details of budgeting and tried to find ways on how I can catch up with the lost years when I should have been "building".

I read from financial websites and heard from videos of experts that it is never too early to start. I'm telling myself, it is never too late. When I was having lots of troubles about money, I thought I'd never get out of it. But I was certain that my family deserves MORE. So, we had to START and had to little by little DO IT.
The first step was to make a list. Monitoring the INs and OUTs really works! Then, I literally cut the plastic cards and cancelled them from the banks as soon as I finished paying up the debts. And in the process, we actually lived below our means. We had to do that to zero out all the nightmares.

We now got ourselves insurance protection and (partially ready) emergency fund. And so we are presently thinking of investing in mutual funds and/or stock market. In my effort to try and understand how it works, I came across a very useful website PESOS AND SENSE and I am so glad I saw the videos of Aya Laraya in YouTube (actually it's more like how come I am only watching this now?). I still got a lot of episodes to see but so far I learned a lot already.

"If you are going to take care of your money, it's really a commitment." - Aya Laraya

I cannot agree more. There are still a lot of things that I need to learn. And for sure the way will be, let's say long and (I want to think) happy. But for sure, we will get there. Maybe not as far as my other friends can reach, but will sure get somewhere.

Wednesday, February 13, 2013

The Serenity Prayer

There has been a lot of things running in my mind lately. It's as if it will soon reach the maximum gauge.

I should pause...
I should pause...
I should pause...



The Serenity Prayer

God, grant me the serenity to accept the things I cannot change,
The courage to change the things I can,
And wisdom to know the difference.

Friday, June 29, 2012

First 40

Once I read from a friend's Facebook post: "during the first 40 years of our lives, we are busy working and earning as much money as we could... and the next 40, spending all the money to keep ourselves healthy."

I think that there's much truth to that even if I am not even close to the first half of the years the author was talking about. Well, at least that is how I'd like to count my age.

As convinced as I am, there has been a lot of attempts to keep myself healthy for the last 10 years. It is good to know that there were times when I almost got there but really they did not last long enough to make me spend the first 40 years of my life staying healthy.

Right now, I am sitting on a bench watching people who are working hard jogging, running, biking and walking. Some of them look less than 40 and some way beyond 40. I'd like to think that whether they are on the first half or second, they are doing this to not spend all the hard earned money for the health related expenses. That's the same reason I am watching them now. I am resting and spending a bit of "me time" before I head back home from a 45 minutes jog-walk. I hope I can do this more often and be able to say my own version of that Facebook post later.

Thursday, June 07, 2012

Madagascar 3, now showing!

I can't wait to see the Madagascar 3! Gab couldn't stop watching the first two movies and he's sure having fun. Sometimes he pretends that he's Alex; he calls us "steak"!! Madagascar 3: Europe's Most Wanted will surely be another great movie date for our family.

Next step: book tickets!




Wednesday, June 06, 2012

Taste Buds Satisfied!

It's sinful (in a health sinful way) but it was so good ,alright?! I have been craving for Tokwa't Baboy for weeks now and today I just could not resist it any longer.

Tokwa't Baboy is one of the family's favorite and I wish to share the simple recipe and easy steps for those who might want to indulge once in a while.


1 kg pork belly (some people like it with pig's ears but pork belly is sinful enough for me)
4-6 pcs firm tofu
1 tsp whole pepper corn
salt to taste

1 1/2 cups vinegar
1/2 cup soy sauce
3 tbsp sugar
green onions
onion
chili (for those who like it spicy)

1. Put water, pork belly, pepper corn and salt in a cooking pot. Boil meat until tender. Slice into bite-sized pieces.
2. Deep fry tofu until color turns golden brown and outer texture is somewhat crispy. Cut into cubes.
3. Mix vinegar and soy sauce and let it boil. Add sugar. Let it cool down for a bit and add chopped onions and chili.
4. Serve with rice or arroz caldo. Enjoy!

I wonder what will tickle my craving taste buds next.

Sunday, November 20, 2011

I want to grow the seeds

I just finished reading the article "Are You A Beggar Or A Farmer?" and I once again felt guilty of not doing enough. Time to move. Time to put some gas to the car that has been left idle in the garage. I got to work and come up with results. I don't want to be a beggar. I want to be a farmer who "receive and grow" my blessing. God ha been very generous to m and to my husband and I'm sure God wants us to grow the seeds and have "more than enough" so we can share and b a blessing to others.

I am thankful that God sends us people and materials that awaken us when we become too lazy and sleepy to realize we should be going.



*Are You A Beggar Or A Farmer by Bo Sanchez

Wednesday, October 05, 2011

Jake and the Never land Pirates

In one of the sources I read, a child age 4 may know a whopping 1,500 words or more though he may still mispronounce many words. In Gab's case, he mispronounces a lot of words specifically in song lyrics. Well, I guess it's not more of mispronouncing the words but unfamiliarity of the lyrics. One of the favorite theme songs he likes to sing recently is Jake and the Never land Pirates. My husband and I would laugh our hearts out each time we hear him sing this song. We wonder how he came up with his own lyrics.

Just now, I searched YouTube for this song and Google for the lyrics. For the past couple of hours, I have been playing the video and trying to sing the lyrics. It is very difficult, I realized. No wonder Gab is mumbling and faltering when singing this song.

I will master this and the next step is to make Gab familiar with the lyrics as well. I'm sure we will enjoy it more if Gab can sing this song with the right words.

Tuesday, October 04, 2011

No iPhone 5? Only what?

I'm seeing a lot of people reacting about the new Apple iPhone so I thought of searching for an update. Here's what I found. I think I know someone who will be as disappointed to know that there's no iPhone 5.

No iPhone 5? New iPhone 4S Announced by Apple; Includes Voice Recognition, Faster Processor

Apple, Inc., announced its new iPhone today -- a powerful updated model called the iPhone 4S, but a disappointment to investors and the tech world because it wasn't a completely-new iPhone 5 people had come to expect.

Apple stock, which had been up on a down day, dropped more than 4 percent as the product rollout went on at Apple's headquarters in Cupertino, Calif. -- never mind that the 4S had many of the features widely expected in an iPhone 5.

Top 5: The iPhone, from debut to deluxe machine.

On the outside, the 4S is similar to the phone Apple has been selling for more than a year. But with an A5 processor (the same that runs the iPad 2) and dual-core graphics, Apple said it would be up to seven times faster than its predecessor. With both GSM and CDMA transmitters, it will be a phone that can be used in most countries around the world.

Perhaps the most striking new feature was called Assistant -- software that allows an iPhone user to work the apps in the phone by talking to it. As demonstrated by Apple, it can give you voice directions to the most highly-rated restaurants near you, help you exchange money if you're abroad, or set an alarm to wake you in the morning, all without the user having to enter any information manually.

This kind of intelligence is something that has been hard to package in a consumer device. The software, developed by an Apple subsidiary called Siri, understands spoken nuances -- so that if one asks it, "What is the weather like today?" or "Do I need a raincoat?" it will come back with the same, correct, answer.

Click Here for Pictures: Steve Jobs Through the Years

Apple's Phil Schiller showed how it could take dictation, read one's text messages aloud, and accept verbal requests to search the Web. When asked, "Tell me about Neil Armstrong," the phone's screen showed Armstrong's Wikipedia page.

The company said the phone has a powerful camera, capable of shooting still pictures in dim light with an f/2.4 lens, and 1080p high-definition video with automatic stabilization.

Prices for the iPhone 4S ranged from $199 with 16 GB of memory to $399 with 64 GB. It will come in a black or white case. An earlier model, the iPhone 3GS, will now be free with a cellphone contract. The new lineup, Apple said, will be available in the U.S. on Oct. 14. The iPhone 4S will be offered by Verizon Wireless, AT&T, and -- for the first time, Sprint Nextel.

Presiding over the announcement was Tim Cook, Apple's new CEO and Steve Jobs' chosen sucessor. "I love Apple," he said. "I am very excited about this new role."

Apple knocked down speculation that the iPod music player, which revolutionized the recording industry when it was introduced a decade ago, would disappear. "We're still making iPods," said Apple's Phil Schiller, before showing off enhancements to the iPod Nano, including an option that turns the little mp3 player into a Mickey Mouse watch.

Some other products included:

iOS5, a new operating system for iPads and iPhones. It has 200 new features, Cook said. He highlighted 10 updated apps, such as Camera, which allows one to zoom in on a subject in a picture by pinching the picture on one's touch screen.

Twitter will integrate into the operating system. Once you log onto your Apple device, Cook said, you'll have logged onto Twitter as well, so users can tweet photos, videos and locations seamlessly.

A new app called Find My Friends shows you if your kids, carrying iPhones, made it to school or exactly where your buddies are at the beach. It comes with privacy and parental controls, just one of the features of iCloud. iCloud stores music, photos, books and apps and syncs them across all your Apple devices automatically and wirelessly. The free service comes with 5GB of free storage.

Cards, a new mobile app for an iPhone or iPad allows users to write messages to friends or loved ones, transmit the wirelessly and have them printed on high-quality paper for delivery through old-fashioned mail. Price: $2.99 per card in the United States. The app itself, for download after Oct. 12, will be free.

It was the first major product announcement Apple has made since Jobs, its co-founder and one of the great technological innovators of recent decades, stepped down as Apple's CEO. Jobs announced in August that his health would force him to hand off day-to-day leadership. He remains a the company's chairman.

People who watch the company said Jobs' hand was clearly in the design of the new phone. Jobs has famously resisted market research in the development of Apple's lineup. "We just want to make great products," he has said more than once.

Click Here for Pictures: Apple Products Since the Beginning

The iPhone has been America's iconic smartphone since the first version was released in 2007, though phones running on Google's Android software now outsell it by a 2-to-1 ratio. Cook said Apple has 5 percent of the overall market in cellphone handsets, though it certainly has enjoyed more media coverage and attention from consumers.

Cook cited surveys showing that 96 percent of users of existing iPhone models said they were "very satisfied" or better with their purchases.

Cook pointed out that 23 percent of personal computers sold today are made by Apple. He called it a stunning accomplishment given their premium niche status just a few years ago.

Cook said the iPod continues its dominance of the music player market, with over 300 million sold since 2002 and 45 million sold in just the last year. Over 16 billion songs have been sold through the iTunes store.

"I am so proud," said Cook as he wrapped up the announcement.

Users on Twitter were less kind. As one put it, "It's like expecting George Clooney and getting your old boyfriend in a new car."

Gab is 4 in 2 weeks!

How time flies! My son is turning 4 two weeks from now. We are scheduled to go to Malaysia for his birthday so we're not really throwing a birthday party at home. I only need to prepare a cake and some loot bags for Gab's nursery class.

When I asked him what kind of design he wants, he told me he wants Octonauts or Angry Birds. These are the cartoons that he's been watching recently.

Angry Birds is pretty popular so I think it will be easier for me to find one. But I don't like Gab watching this show. It's very violent and does not really teach anything.

Octonauts on the other hand is a very nice TV series about undersea adventures. What I like about this show is that it teaches kids to care about animals and it shows examples of team work.

I guess finding a store that will design Octonauts cake will be a bit difficult but I guess I will have to try.

Wednesday, September 28, 2011

Oh my goodness, 5 KGs more?!?

Oh my goodness, 5 KGs more?!? I started feeling conscious about my weight (almost 3 months ago) when my ankle learned to shout "OUCH!". For almost half a year now, I have been experiencing pins and needles on my feet. The doctor advised that I should lose weight and that the extra KGs I have put on over the past year is making me suffer. Since I started controlling my eating habits, I lost 3 KGs. But there's 5 KGs more!!

I wonder what I should do to not lose my patience in trying to lose such big excess on my weight. My grade says "SLIGHTLY OVERWEIGHT".

HELP! Feel free to drop me your advice on how I can successfully work this out. I'm scared to get more sickness because of this condition.

Note: Below is the Body Weight Chart in case you wish to check how normal your weight is.


Tuesday, September 27, 2011

God is always there in your heart

Another nice post from a friend's wall on Facebook.

"A teenage girl about 17 had gone to visit some friends one evening and time passed quickly as each shared their various experiences of the past year. She ended up staying longer than planned, and had to walk home alone. She wasn’t afraid because it was a small town and she lived only a few blocks away. As she walked along under the tall elm trees, Diane asked God to keep her safe from harm and danger. When she reached the alley, which was a short cut to her house, she decided to take it. However, halfway down the alley she noticed a man standing at the end as though he was waiting for her. She became uneasy and began to pray, asking for God’s protection. Instantly a comforting feeling of quietness and security wrapped round her, she felt as though someone was walking with her. When she reached the end of the alley, she walked right past the man and arrived home safely. The following day, she read in the newspaper that a young girl had been raped in the same alley just twenty minutes after she had been there. Feeling overwhelmed by this tragedy and the fact that it could have been her, she began to weep. Thanking the Lord for her safety and to help this young woman, she decided to go to the police station. She felt she could recognize the man, so she told them her story. The police asked her if she would be willing to look at a lineup to see if she could identify him. She agreed and immediately pointed out the man she had seen in the alley the night before. When the man was told he had been identified, he immediately broke down and confessed. The officer thanked Diane for her bravery and asked if there was anything they could do for her. She asked if they would ask the man one question. Diane was curious as to why he had not attacked her. When the policeman asked him, he answered, “Because she wasn’t alone. She had two tall men walking on either side of her.” Amazingly, whether you believe or not, you’re never alone. " Did you know that 98% of teenagers will not stand up for God? Repost this as Love vs. Sex if you truly believe in God.
PS: God is always there in your heart and loves you no matter what and if you stand up for him he will stand up for you. I bet 93% of the people that read this wont repost it. I read this and reposted it. Well I bet you read this note because of the title, didn’t you. *GOD IS MOVING!* :) *Share it to everyone! feel free to copy-paste OR share this note. This is not a private note. Repost it even if you're not a teenager."

God is always there in your heart.

Monday, September 26, 2011

Prayer

One of the reasons I enjoy "facebooking" is because I read a lot of nice things on people's walls. Today, I am blessed to come across a prayer that I believe is very nice and I shared it to my friends as well.

"DEAR FATHER, we are so tired and desperate for Your help. Our needs are great and we don't know what to do except turn to You. All we know is to cry out to You because we know that Your Love is great and big enough to fix all the healing our Hearts and World needs. Our hearts are broken. Use us Lord to help others in need. In Jesus' name we pray, Amen! Simply hit Share to encourage others today ♥"

When things are so challenging and problems are so draining, Jesus is there to water us with His grace.

Friday, September 02, 2011

Moira Kelly, legal guardian of Emmanuel Kelly

I was totally touched by the Emmanuel Kelly video that I did a little bit more of reading. I admire Moira Kelly and for me, she deserves high respect for standing as the legal guardian of both Emmanuel and his brother Ahmed Mustafa. Considering the physical impairment of them both, it is very commendable for her to bring them to her care.

I found out that Moira Kelly is an Australian humanitarian worker who has been (for many years of her life) doing service to disadvantaged children. She is also the legal guardian of the originally cranially conjoined twins from Bangladesh, Trishna and Krishna, separated in 2009 in a 32-hour operation at Melbourne's Royal Children's Hospital. (source: wikipedia)

Such a selfless person. It is very humbling to realize how huge a person of her kind can give and how little some of us can share, and yet we think we are all so consumed already.

I like what one of the judges said after Emmanuel Kelly's performance. "It just makes everything that you worry about so pathetic." True enough, sometimes we think that we are too burdened. Yet when we look around, everything that we worry about is just really pathetic.

Thursday, September 01, 2011

count your blessings

This video made me stop and say thanks for all the blessings in my life.






Friday, June 17, 2011

Be quite content whatever my circumstances

I love what I just read.

I've learned by now to be quite content whatever my circumstances. I'm just as happy with little as with much, with much as with little. I've found the recipe for being happy whether full or hungry, hands full or hands empty. Whatever I have, wherever I am, I can make it through anything in the One who makes me who I am. - Philippians 4:11-13

Nice reminder.

Sunday, June 12, 2011

Work from Home. Earn $2000/month. No Investment. Part Time, 1-2h/day.

Work from Home. Earn $2000/month. No Investment. Part Time, 1-2h/day.

Wanted Online Internet job workers. Job is only through Internet. Work from home part time jobs. You can earn $1500-2500/month working 1-2 hours/day, no matter where you live. These are genuine Data entry jobs & Internet jobs. No Investment required. Only serious enquires please. For more details visit http://www.earnparttimejobs.com/index.php?id=3464620

work from home opportunity

just now, i received an invite from a friend who is also a full time mom herself. it's an invitation to earn extra income while working from home either full time or part time. this is very exciting. i got to do this and see how it will work for me. will keep you posted!!

Sunday, May 22, 2011

i wanna call him BLUE

It was gab's lucky day yesterday.. He said he wanted a blue fish and the store luckily got one blue fighting fish for sale. Half a month ago, we went to Pasir Ris Kid's Kampong and gab had fun fishing and animal feeding. He's been telling us a lot that he wants to have a pet fish and yesterday we got him one.

He was so happy!
Dad is so happy!
I am also very happy!

It's nice when we get the chance to spend weekend time getting things or going to places that we know will be forever part of the history of our family!

It's a Monday morning and gab excitedly woke up and greeted his fish!

Good morning blue! It's a sunny day, see?!

:-)

Monday, February 28, 2011

teaching your toddler to read

I have been thinking a lot lately when the right time is for parents to start teaching their kids how to read. I've seen kids who are 8 or 10 and they could not read smoothly... I also have seen as young as 3 (congratulations to their parents).

I think that my son does not have the attention span needed for some kind of a structured "teaching how to read" setup. He can spell his name though. He can identify words like zoo, spell, dog, wolf, tall, ball, wall, book, sheep, duck, and some other words that he normally sees when watching TV. He also knows the alphabet so well... and the sound of every letter. But every time I try to teach him how to combine the sounds of letters to form a word, he just listens and then after a few minutes he's all over the place doing whatever he wants to do.

I read an article "When and how can I teach my toddler to read?" and it said "Children usually don't start reading before the age of 5 or 6, and for good reason. Researchers believe that until that age, most children have not yet formed certain neural connections that allow them to decode printed letters and then mentally combine them to make words. A few children are able to read earlier, but most of them just pick it up; they don't learn through direct instruction."

It is good to know that I'm on the right track because a lot of articles that I read about this topic tell me that the key to preparing my child is through indirect instruction. This includes introducing him to letters, books, letter sounds, words with pictures, etc.

Perhaps I should try searching for other materials like videos and flash cards. These sorts of things catch his interest. I think it's time I get a new set because he already memorized those that are on his desk. One more question popped on my mind though, how often do I need to "upgrade" the materials?

Friday, February 18, 2011

Love is in the Air

Keep on Loving You

You should've seen by the look in my eyes, baby
There was somethin' missin'
You should've known by the tone of my voice, maybe
But you didn't listen

You played dead but you never bled
Instead you lay still in the grass
All coiled up and hissin'

And though I know all about those men
Still I don't remember
'Cause it was us baby, way before then
And we're still together

And I meant, every word I said
When I said that I love you
I meant that I love you forever

And I'm gonna keep on lovin' you
'Cause it's the only thing I wanna do
I don't wanna sleep, I just wanna keep on lovin' you

And I meant every word I said
When I said that I love you
I meant that I love you forever

And I'm gonna keep on lovin' you
'Cause it's the only thing I wanna do
I don't wanna sleep, I just wanna keep on lovin' you

Baby, I'm gonna keep on lovin' you
'Cause it's the only thing I wanna do
I don't wanna sleep, I just wanna keep on lovin' you

Keep on lovin' you, baby


I love singing this song to my husband.... it's just so nice and romantic and sweet!!! I wish Gabriel will also sing this song to his future girlfriend/s. LOL

Is this an after effect of Valentine's day? I don't know what I'm thinking but I've had this song on repeat mode for like a week now.

Did some reading and found this info in Wikipedia....

"Keep On Loving You" is a power ballad written by Kevin Cronin and performed by REO Speedwagon. It features the lead guitar work of Gary Richrath. It was one of many REO Speedwagon songs to become a pop hit, reaching the number-one spot for one week in March 1981 on the US Billboard Hot 100, and peaking at number seven in the UK Singles Chart. The single was certified Platinum for US sales of over 2 million copies.

The song has been featured in numerous films, beginning with the 1982 film The Last American Virgin. It has subsequently featured in Crank: High Voltage as well as appearing on the soundtrack to Grand Theft Auto: Vice City. A cover version by The Donnas appears in the 1999 film Drive Me Crazy and in the TV series Cougar Town.

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