Aesthetic Glimpse

Usapang Stocks

2011-01-19T19:49:00.000-08:00

Medyo marami-rami na rin ang nagtatanong sa akin about stocks and how to buy them. I currently have bought Meralco Stocks and I use BPI trade in buying or selling them. Nagsimula ako mag-aral (mag-game) ng stocks using the Philippine Stock Exchange website. It's a game. Bibigyan ka ng P1,000,000 para bumili ng stocks.

Siyempre, pinag-aralan kong mabuti kung ano ba yung madalas na tumaas na stocks. So far nakita ko, ang mga magbibigay ng kita ay Meralco, Globe, Abs-cbn, BPI. I have tried Fgen dati, at first I thought magandang stocks yun, pero it gave me a lost.

Buying stocks is like a gamble, like a business. Well, palagi ko ngang sinasabi sa sarili ko, life is a gamble naman eh. Lahat sugal. Lahat ng meron sa buhay ay sugal.

Medyo natatamad pa akong magsulat ngayon ng mahaba-mahaba na as in masasagot lahat ng tanong about stocks. For now, eto yung naging usapan namin ng ate ko nung na-curious siya about it, nanghiram kasi ako ng pera sa kanya para pambili ng stocks:

Magie Dimaala January 12 at 1:23pm
ibibili ko ng stocks..para tumubo... babalik ko din sau. tell me how much pwede at kung anong password. thanks..

Dhea Dimaala Macalino January 15 at 7:40am Report
bsta my 5k maintaining.. ******* pano ba yan stocks my lugi ba dyan? prang gs2 ko din, pra tumubo kesa sa bank lang

Magie Dimaala January 15 at 8:01am
meron lugi, dpende sa bibilhin mong stocks..meralco binibili ko.. dati bumili ako P90 isang stock, mga 200 binili ko nun P18000.. after a year naging P200 na! so naging nanghinayang nga ko sayang. Kung hindi ko siya binenta agad at hinayaan ko lang, tumubo sana ako ng P22,000. Kesa sa banko ko ilagay, yung P15000 ko, tumubo lang ng P72 pesos..

Magie Dimaala January 15 at 8:03am
may lugi siyempre, kapag bumaba ang stocks, pero siyempre ang meralco necessity yan, bumaba man siya ng lets say mga isang month bumaba ang value, ang dapat gawin, wag muna ibenta.. intayin tumaas ulit para tumubo.. ganun lang.

humiram din ako kay ate eh..P30k, hati kami sa tubo 40/60... pag bumaba value, hati din kami sa lugi..

[Dhea Dimaala Macalino]
8:03am
pano un
my poss ba na mwala un pinuhunan

[You]
8:03am
wala
mabawasan pwede

[Dhea Dimaala Macalino]
8:04am
mga ilang percent
super lugi ba un pnka worst

[You]
8:04am
sa nasa-sight ko, tataas pa yang up to P400-P600 sa susunod na taon
so wait wait lang
kung di mo naman gagalawin pera mo
stocks na lang kesa bangko
mga half lugi
15k lang muna kinuha ko

[Dhea Dimaala Macalino]
8:05am
ilang yrs knb ngsstock

[You]
8:05am
2 years na
pero tinigil ko

[Dhea Dimaala Macalino]
8:06am
gs2 ko sna kya lng bka bgla gamitin eh

[You]
8:06am
kung gusto mo siguradong pataas, Globe stocks ang bilihin mo
kaso ang mahal

[Dhea Dimaala Macalino]
8:06am
eh yan if ever ba klangan ko masosoli mo agad

[You]
8:06am
P870 isang stock

[Dhea Dimaala Macalino]
8:06am
pano un tutubo nd how much tubo kada isa

[You]
8:06am
kung need mo? mga baout two weeks
di mo pa naman need diba?

[Dhea Dimaala Macalino]
8:07am
dpa nman

[You]
8:07am
ok, edi pag need mo na, sabihin mo agad, bibigay ko
ngayon pa lang naman ako walang pera kasi kakastart pa lang magwork
di ko nmn ilalagay lahat ng money sa bank e
kung may savings ka at balak mong wag kunin for a year, mag-stocks knlng
kesa bangko

[Dhea Dimaala Macalino]
8:08am
sa experince mo nmna dyan sa pg iinvest sa stock ok nman ba?

[You]
8:08am
ok ang meralco
at globe
yung ibang stocks, mabagal ang pagtaas

[Dhea Dimaala Macalino]
8:09am
kung halimbawa isang year ako mginvest sure bang wlag lugi un
khit hndi na tumubo wag lng mbwsan\

[You]
8:09am
hindi ko sure..siyempre, katulad na lang nung nangyari yung 2008 economic crisis
pero di nman masyado apektado pilipinas
tsaka bihirang bihura mangyari yun nga diba
nangyari yung lugi ng US because of strong policy sa war
eh si Obama naman, binabawasan niya ang policy sa war (aral ka rin ng news)

[Dhea Dimaala Macalino]
8:11am
pano mo nmna nlman yang stocks n yan

[You]
8:11am
siyempre inaral ko

[Dhea Dimaala Macalino]
8:11am
bgyan mo nga ako ng link pra mpgaralan ko

[You]
8:11am
nagbasa-basa
tsaka tiningnan ko history ng performance ng mga stocks
[Dhea Dimaala Macalino]
8:12am
pwde bang isang stocks lang if evr meralco
[You]
8:12am
isang stock?
ang value ng meralco ngaun ay 270
[Dhea Dimaala Macalino]
8:12am
dba sbi mo 200/ stock
[You]
8:12am
270 lng ang bibilhin mo?
hindi pwedeng 1 stock lang..
[Dhea Dimaala Macalino]
8:13am
i try ko lng sna pwede ba un
[You]
8:13am
10 stock minimum
[Dhea Dimaala Macalino]
8:13am
ngek
so 2,7 k
[You]
8:13am
oo
[Dhea Dimaala Macalino]
8:13am
ano b yan monthly ba ang utbo nyan
[You]
8:13am
everyday nag-iiba value
pwedeng bumaba
pwedeng tumaas
nung una kong bili, nas P20k.@ 205 each...
ngayon 270 na
90 stocks at 205 ang binili ko
P65 tubo bawat stock, meron akong 90 stocks,tumubo ako P5850
ganun
pero nabenta ko na yun
bumili ulit ako eh 80 stocks at 245
tubo pa rin ako
25 x80=200 0lang
2000
[Dhea Dimaala Macalino]
8:19am
if ever bang bumbaba ang value ng stocks tpos hdni ko muna i pullout un invest ko..hndi ba mbbwasan un if ever ntayin ko muna tumaas ulit
[You]
8:19am
oo
risky din
kaya nga, nanghihiram lang ako ng pera
para kung malugi man
ako ang malulugi
hindi yung hiniraman ko
for sure naman magbabayad ako e
[Dhea Dimaala Macalino]
8:21am
ah so kung if ever na gs2 ko na kunin un ininvest ko pera..klangan ko pang ibenta un stocks ko..pra mbwi ulit un pnuhunan ko
[You]
8:21am
oo
[Dhea Dimaala Macalino]
8:21am
so ang technique..pra sure na my tubo...
[You]
8:21am
wag magbenta kapag mababa ang stocks
[Dhea Dimaala Macalino]
8:22am
ah ok
got it
mgkano ba hihiramin mo
[You]
8:22am
15k
[Dhea Dimaala Macalino]
8:22am
pero if ever bang mataas un stocks
pwede na agad kunin un tubo or depend skin
kung ibibili ko nganother stocks
[You]
8:23am
oo
iwiwithdraw mo
ay ibibili mo pala ng iba no...ok lan gkahit hindi iwdraw
andun lang yun sa acct mo
[Dhea Dimaala Macalino]
8:25am
ano un automatic nb un mpunta sa accnt ko kpg tumubo na
[You]
8:25am
oo
[Dhea Dimaala Macalino]
8:26am
pano bumili ng stocks
i want to buy
[You]
8:27am
kailangang aralin mo muna
o makiride ka sa kin
medyo 1 month ang processing ng bpi trade account
[Dhea Dimaala Macalino]
8:28am
ok cge
ano bang stocks mo
binili mo meralco dba
minimum nmna 10 stocks dba?
[You]
8:29am
oo
10 stocks bilihin mo?
[Dhea Dimaala Macalino]
8:30am
nkbpwithdraw knb
pwede ba un
[You]
8:30am
oo, nahulog ko na..sat ngayon..pero pwede naman humiram kay ate
[Dhea Dimaala Macalino]
8:30am
un minimunm dba
[You]
8:30am
oo
[Dhea Dimaala Macalino]
8:31am
i withdaw mko ng 2,700
tpos ibili mko stocks
i try ko nlng muna
[You]
8:32am
ok
[Dhea Dimaala Macalino]
8:32am
ah gawin mo na 20
pero 5k lng i withdwaw mo
abonohan mi muna un 400
[You]
8:32am
o cge
[Dhea Dimaala Macalino]
8:33am
klan mlalaman un un tubo nyan
after a month ba
[You]
8:33am
everyday
nag-iiba ang value
tignan natin after a month

The Story of Balaam's Donkey | Numbers 22:1-35

2011-01-08T18:14:00.000-08:00

There once was a greedy man called Balaam. The wicked King of Moab sent for Balaam and promised him money if he would curse God's people. God talked to Balaam and told him not to go to the King, and not to curse His people. Again the King of Moab sent Princes to call Balaam. God was angry with Balaam because Balaam's heart was filled with greed. God let Balaam go to the King, but watch what God did.

On the way, Balaam's donkey saw the Angel of the Lord standing in the road. The angel had a sword in his hand. The poor donkey turned away.

Balaam never saw the angel. He beat the donkey and turned him to get back on the road. The poor animal fell down and Balaam hit him again.

Suddenly God let the donkey speak. "Why are you beating me?" the donkey asked. The donkey said, "Aren't I your donkey which you rode ever since I was yours?"
"Well, no," said Balaam "Because you have made a fool out of me", replied Balaam.

Just then, God opened Balaam's eyes. He saw the Angel of the Lord in the road and fell flat on his face. God spoke to Balaam and told him to go the King. God told Balaam to bless His people instead of cursing them. Balaam got a big fright and did as God commanded.

from: http://www.touchoffire.com/nb.html

101 Ways to Monetize Your Website or Blog

2011-01-06T09:09:00.000-08:00

Published August 13th, 2007 in Make Money
Text Link Advertising

PPC
Google AdSense – AdSenseThe industry leader.
Yahoo Publisher Network – Yahoo’s AdSense alternative.
Chitika – eMiniMalls is not a typical PPC program, it is different kind of pay-per-click product promotion.

Kanoodle – A second-tier PPC option as opposed to Google and Yahoo.
Ads-Click – You set the price per click for ads showing on your site.
AdBrite – Control and customization options.
ABC Search – Another 2nd-tier option.
BidVertiser – Large network PPC program.

Clicksor – Contextual ads program.
Qads – Ad program from Qumana.
PeakClick – Pays in Euros.
DoubleClick – Another targeted PPC
option.
RevenuePilot – Keep 60% of the revenue.
Search Feed – Another option for targeted PPC ads.
Targetpoint – For publishers of all sizes.
OneMonkey – Keep 80% of the revenue.
Miva MC – PPC ads plus the option for contextual PPD ads.
ClickBooth – Claims to have the highest payout in the industry.
Banner Ads

AdEngage – Not a typical banner ad, the’re photo ads with text.
AdDynamix – Also offers other options besides just banners.
BannerBoxes – Your keep 75% of the revenue from each click.
Affiliate Programs

Commission Junction – One of the leaders. Manages affiliate programs for all kinds of products.
Click Bank – All downloadable affiliate products.
LinkShare – Claims to be the largest pay-for-performance affiliate marketing network.
Azoogle Ads – Also claims to be the largest performance-based online advertising network.
Amazon – One of the oldest and most successful affiliate programs.
Context Links for Amazon’s Affiliate Program – Auto creates affiliate links to Amazon’s products.
Paid Reviews

ReviewMe – Get paid to review other websites and blogs.
PayPerPost – Make money writing about website, products, services and companies.
Parked Domains

Revenue Direct – Make money from a parked domain.
Parked – Another option for parked domains.
Random/Various

The News Room – Make money by placing news items on your site.
Tribal Fusion – Represents the advertising for selectively approved websites.
IndustryBrains – Has a few different options that would fall into various categories above.
Adknowledge – Options for email, web, and search engine inventory.
Yesadvertising – Lots of options, including contextual ads, email, banners and pop-unders.
ValueMedia – Several different options, including video.
Auction Ads – Make money by displaying Ebay items.
IntelliTXT – Contextual ads that include video.
PremierAd – Lots of different options. You keep 80% of ad revenue.
BurstMedia – A variety of different options.
Advertising.com – Multiple options, including video ads.
Openads – Online advertising software.
Casale Media – You choose what type of ads you want on your site.
VC Media – CPC or CPM options.
Ads by RSS – Places ads on your website, using RSS.
AdSpaceAuctions – Sell ad space on your website through an auction.
TextMarks – Monetize your blog with text message alerts.
Sell Ad Space

AdSonar -Provide content-targeted ads.
BlogAds – You control the ads that appear on your site.
Crisp Ads – name your price for direct sponsors.
ADSDAQ – Choose your asking price for ads and ADSDAQ matches you with advertisers.
AdVolcano – Set your own prices and ad sizes.
RSS Feed Monetization

Pheedo – PPC for RSS feeds.
PostPostWordPress Plugin – Display affiliate links or ads before or after your feeds (other uses beside just advertising).
Feedvertising – Runs txt link ads in your feed.
FeedBurner Ads – feedburnerIf you use FeedBurner’s services for distributing and tracking your feeds, you also have the option of using their advertising services in your feeds.
MediaFed – Automatically inserts ads into your feed.
FeedShow – Puts PPC ads into your feed.
Fedafi Publishing Network – Monetize your feed with the Fedafi WordPress plugin.
Yahoo Publisher Network – PPC ads in your feeds.

Job Boards
Joards – Put a job board on your site and keep 75% of the revenue.
Job-a-matic – Another option for making money with a job board.
WP Plugins

AdSense-Deluxe – Embed AdSense or Yahoo Publisher Network ads into your blog.
AdSense Sharing Revenue and Earnings System – A plugin for blogs that have multiple writers. Let each of your writers make money from ads on their own posts.
AdSense Injection – Inject AdSense ads throughout an existing blog.
Google AdSense Referral Rotator Plugin – Make money by referring other users to AdSense.
Amazon Media Manager – Easily ad Amazon affiliate products to your blog.
WP-Amazon – Quickly search for products and add Amazon affiliate links while writing your posts.
Last Amazon Review Plugin – Displays your most recent review of a product listed on Amazon and includes your Amazon affiliate link.
Text Ads Link Widget for WordPress Sidebar – A simple widget that makes it easy to display text ads in your sidebar.
WPAds Plugin – Show and rotate ads on your blog.
AdRotator Plugin – Randomly rotates ads that you choose.
WP E-commerce Shopping Cart Plugin – Creates a shopping cart with tons of features and options for your WP blog or website.
EasyPayPal WordPress Plugin – Integrates your blog and your PayPal account to accept donations or fees.
Buy Me a Beer Plugin – Accept donations from your readers by asking them to buy you a beer (or coffee) if they liked your post.
CafePress – Sell your own products on your blog.
YAK – Simple shopping cart plugin.

What other methods do you use to monetize your site or blog? This post may be updated, so please leave your suggestions in the comments. If you own or represent one of the advertising programs mentioned on this page and you feel that you should be in a different category, please leave a comment. Thanks!

From: http://vandelaydesign.com/blog/make-money/101-ways-to-monetize-your-website-or-blog/

Incentria | Earn money by completing a task

Direct Sales

KickStartCart – A shopping cart, merchant account and marketing tools.
PayPalPayPal – One of the lowest-cost choices for selling your own products.
EasyStoreCreator – Provides a package that includes hosting, merchant account integration, and shopping cart.
1ShoppingCart – Offers different packages with marketing tools, shopping carts and merchant accounts.
ASecureCart – An affordable shopping cart service
NetSuite – Full e-commerce option.
GotShoppingCart? – Free version available.
3D Cart – Includes marketing, statistics and more.
Americart – 30-day risk-free trial.

Text Link AdsText Link Ads (aff.) – The leader in paid text link ads.
LinkWorth – Keep up to 70% of the ad revenue.
Text Link Brokers – Make money buy selling links in a directory on your site.
Live Customer – Static HTML ads with flat monthly rates.
LinkAdage – Matches advertisers with publishers
Direct-Link-Ads – Keep up to 75% of the ad revenue.
PaidTextLinks – A smaller text link program.
Kontera – Create contextual links automatically.
AdSter – Customize your ads to match your website.
Vibrant Media – Vibrant in-text advertising.
TextAd.biz – Basic text ad service.
SearchFriendlyAds – Not live yet.
YzMedia – Another text link option.

MonsterCommerce – Full of features.

Legal Forms: GENERAL/SPECIAL POWER OF ATTORNEY

2011-01-05T18:14:00.000-08:00

GENERAL POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS:

That I, JOHN DOE, of legal age, single/married and a resident of 1111 Portofino, Alabang, do hereby appoint, name and constitute JANE DOE, of legal age, single/married and a resident of 111 Ayala Land, Alabang, to be my true and lawful attorney-in-fact, to manage and conduct all my affairs, and for that purpose in my name and on my behalf to do and executed all or any of the following acts, deeds and things, to wit:

(enumerate all acts and things the attorney-in-fact envisions for him to perform)

In general, to do all other acts, deeds, matters and things whatsoever in or about my estate, property and affairs, or to concur with persons jointly interested with my self therein doing all acts, deeds, matters and things herein, either particularly or generally described, as fully and effectually to all intents and purposes as I could do in my own proper person if personally present.

HEREBY GIVING AND GRANTING unto my said attorney full power and authority whatsoever requisite or necessary or proper to be done in or about the premises, as fully to all intents and purposes as I might or could lawfully do if personally present, (with power of substitution and revocation), and hereby ratifying and confirming all that my said attorney shall do or cause to be done under and by virtue of these presents.

IN WITNESS WHEREOF, I have affixed my signature on this___day of __________, 2004 at Pasay City, Philippines.

Signature of Principal

SPECIMEN SIGNATURE OF ATTORNEY-IN-FACT:

Specimen Signature

WITNESSES: __________ __________

ACKNOWLEDGEMENT

REPUBLIC OF THE PHILIPPINES ) S.S.
CITY OF MANILA )

BEFORE ME, a Notary Public in and for the City of Manila, this ___day of _________, 2003, personally appeared___________________with Community Tax Certificate No. ____________ issued at __________on __________2003, known to me and to me known to be the same person who executed the foregoing instrument and he acknowledged that the same is his own free and voluntary act and deed.

______________________
Note: The Special Power of Attorney form has the same format with the General Power of Attorney form. The only difference is that, Special Power of Attorney form specifies the acts to be done by the attorney-in-fact, whilst General Power of Attorney lays down general acts and normally does not specify the acts to be done by the attorney-in-fact.

Free Ebooks: I Create Millions (Make Money using the Power of the Mind) By Christopher Westra

2011-01-05T15:44:00.000-08:00

Table of Contents

About Christopher Westra....
Introduction to the Money Mastery Methods.....
Method 1. The Manifesting Envelope ......
Method 2. The Art of Leaving Money Around .....
Method 3. Writing On Money .....
Method 4. Let Your Expenses Work For You ....
Method 5. Creating an Abundance Check.....
Method 6. The Money Downpour Visualization ....
Method 7. Forming New Money Habits of Mind....
Method 8. Always Carry Cash .....
Method 9. Buy the Best for Yourself.....
Method 10. Create Money Opportunities, not Money Emergencies.....
Method 11. Seek Ye First ....
Method 12. Let Go of Money Attachments....
Method 13. Demonstrate Your Wealth with a Money Mantra ...
Method 14. Improve Your Money Talk....
Method 15. Be Happy First, Right Now!....
Method 18. Do What You Love, the Money Will Follow.....
Method 21. Act Boldly in Money Ventures.....
Method 24. Use a Personalized Money Script or Affirmation ...
Method 25. Go For Money Freedom and Joy .....
Method 26. Spend Only What You Own.....
Method 27. Trust the Money Promises (Puzzle) .....
Method 28. Play the $100 Bill Game .....
Method 29. Pay Yourself First ....
Method 30. Make Meta-Decisions.....
Method 31. Use Your Whole (Holographic) Brain ....
Method 32. Expand the Thresholds of Your Mind....
Method 45. Create Automatic Money Systems....
Method 46. Know Your Reasons for Not Making Money....
Method 50. Read Books on Money .....
Method 51. Listen to a Money Meditation Audio ....
Method 62. Harness the Power of Imagination....
Method 63. Think Big, Dream Bigger.....
Method 77. Feed Your Mind and Your Body....
Method 86. Create Some Space for the New ....
Summary of I Create Millions – Version 4.0 (Free Version)....

The ebook has 75 pages.

Just Photos: Converse Shoes

2011-01-03T19:54:00.000-08:00

Save your marriage Click Here!

Size: men's 9
UK:8
EUR: 42.5
CM: 27.0
Color: Navy/White

Free Ebooks: How to Write Great Essays by Lauren Starkey

2010-12-31T05:29:00.000-08:00

Contents:

Introduction vii
1 Organization 1
2 Clarity 11
3 Word Choice 21
4 Mechanics 39
5 Revising, Editing, and Proofreading 55
6 Untimed Essay Writing Strategies 67
7 Timed Essay Writing Strategies 85
8 Sample Essay Prompts and Essays 97
Resources 111

This ebook has 127 pages.

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Free Ebooks: Learn Telepathy

2010-12-31T05:24:00.000-08:00

CONTENTS
Click over to reach the content page
Foreword
Preface
Single Unconscious
1. WHAT IS TELEPATHY Law of Sight
2. TIME & SPACE
3. THE GALAXIAL SYSTEM Waves of Ego
4. THE LAW OF EXCHANGE OF THOUGHTS
Society and Our Belief
Deterioration of the Brain Cells
Focusing of Attention
5. SALT AND SUGAR Mirror Gazing
6. EXPERIENCES AND INCIDENTS OF FIRST LESSON
Mercury Light
Angels
Goddess of Sleep
Universe Submerging in Light
Third Eye
Diving and Emerging
The Garden of Paradise
Voiced Thought
7. TELEPATHY AND THE BREATHING EXERCISES
8. THE SECOND LESSON OF TELEPATHY
9. THINKING OF RIGHTEOUSNESS
10. ON THE THRESHOLD OF GRAVE
Men, Jinni & Angels
11. INCIDENTS & EXPERIENCES OF SECOND LESSON
Rain of Noor
Candle & Lamp
Broom and a Lean Person
12. CLASSIFICATION OF KNOWLEDGE
13. MENTAL TURMOIL
14. THIR D LESSON OF TELEPATHY
15. BELIEF OF SCIENCE
Trees also Converse
16. INCIDENTS & EXPERIENCES OF THIRD LESSON
Door Opens
The Last Pool
The Tomb of Data Ganj Buksh
Flame of Fire
Advice
The Inner Eye
17. TRUE DEFINITION OF IMAGINATION
18. THE FOURTH LESSON OF TELEPATHY
19. 156 ELEMENTS
20. INCIDENTS & EXPERIENCES RESULTING FROM FOURTH LESSON
Riddance of Inferiority Complex
Golden Palaces
21. DOMAIN OF THOUGHTS .
22. LAW OF NATURE
23. FIFTH LESSON OF TELEPATHY
24. SIXTH LESSON OF TELEPATHY
Breathing Exercise
Special Instructions
25. EXPERIENCES DURING
THE COURSE OF SIXTH LESSON
26. SEVENTH LESSON
Breathing Exercise
27. METHOD OF INFLUENCING TELEPATHICALLY
Curing Cancer Telepathically
28. EIGHTH LESSON
Breathing Exercise
29. MIND...... A TREE
30. SPIRITUAL PERSON
31. SPIRITUALITY AND SORCERY

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Free Ebooks: Instant Fact: How To Get The Truth Out of Anyone!

2010-12-31T05:07:00.000-08:00

Instant Fact: How To Get The Truth Out of Anyone!
Compiled By: John J. Webster
Never Be Lied To Again
By David J. Lieberman, Ph.D.

CONTENTS:
I. Signs of Deception

Section 1: Body Language
Section 2: Emotional States: Consistency and Contradiction
Section 3: Interpersonal Interactions – When we are wrongfully accused, only a guilty person gets
defensive. Someone who is innocent will usually go on the offensive.
Section 4: What Is Said: Actual Verbal Content
Section 5: How Something Is Said
Section 6: Psychological Profile
Section 7: General Indications of Deceit

II. Becoming a Human Lie Detector:
Phase One – Three Attack-Sequence Primers
Phase Two – Eleven Attack Sequences

III. Tactics For Detecting Deceit and Gathering Information In Casual Conversations

IV. Mind Games

V. Advanced Techniques For Getting The Truth

VI. Tricks Of The Trade

This ebook has 15 pages.

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Free Ebooks: A Trader’s Money Management System, How to Ensure Profit and Avoid the Risk of Ruin

2010-12-28T22:35:00.000-08:00

by BENNETT A. McDOWELL

Table of Contents

Foreword vii
Preface ix
Acknowledgments xi
Diclaimer xiii
INTRODUCTION This is My Money Management System 1
PART ONE Psychology of Risk Control 7
CHAPTER 1 It Just Ain’t Sexy! 9
CHAPTER 2 Confidence in Your Plan 15
CHAPTER 3 Yin and Yang 23
CHAPTER 4 Risk Psychology and The Trader’s Mindset 31
PART TWO Stop-Loss Exits 37
CHAPTER 5 Not Every Trade Will be a Winner 39
CHAPTER 6 Entry Rules and Your Trading System 45
CHAPTER 7 Stop-Loss Exit Rules 55
CHAPTER 8 Scaling Out and Scaling In 65
vPART THREE Trade Size Does Matter 73
CHAPTER 9 Using Risk-of-Ruin Tables and the Optimal
f Formula 75
CHAPTER 10 Using the Two Percent Risk Formula and
Proper Trade Size Formula 83
PART FOUR Record Keeping and Profit/Loss Analysis 89
CHAPTER 11 Tracking Profit and Loss Results and
More Formulas for Success 91
CHAPTER 12 Using Trade Posting Cards and Ledgers 99
PART FIVE Design Your Own Plan 131
CHAPTER 13 Know Thyself—Your Risk Profile and
Discipline Profile 133
CHAPTER 14 Risk Management Rules to Choose From 139
Epilogue 149
APPENDIX A Getting Started with Your Trade Size
Calculator Software 151
APPENDIX B The Trader’s Assistant Record Keeping
System 153
APPENDIX C The Art of Paper Trading 167
APPENDIX D Resources 173
Glossary 179
About the Author 203
Index 205

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Free Ebooks: 45 Ways to Avoid Losing Money Trading FOREX

2010-12-28T22:29:00.001-08:00

==Page 1==

45 Ways to Avoid Losing Money Trading FOREX
Jimmy Young

1) Knowledge Deficiency Î Most new FOREX traders donÓt take the time to learn
what drives currency rates (primarily fundamentals). When news or a statement is
due out they must close out their positions and sit out the best trading opportunities.
They are taught to only trade after the market calms down. So essentially they miss
the whole move and then trade the random noise that follows a fundamental price
move. Just think for a moment about technically trading the aftermath of a price
move; there is no potential.

2) Overtrading - Trading often with tight stops and tiny profit targets will only
make the broker rich. The desire to ÐjustÑ make a few hundred dollars a day by
locking in tiny profits whenever possible is a losing strategy.

3) Over leveraged - Leverage is a two way street. The brokers want you to use
high leverage because that means more spread income because your position size
determines the amount of spread income; the bigger the position the more spread
income the broker earns.

4) Relying on Others Î Real traders play a lone hand; they make their own
decisions and donÓt rely on others to make their trading decisions for them; there is
no halfway; either trade for yourself or have someone else trade for you.

5) Stop Losses Î Putting tight stop losses with retail brokers is a recipe for disaster.
When you put on a trade commit to a reasonable stop loss limit that allows your
trade a fair chance to develop.

6) Demo Accounts Î Broker demo accounts are a shill game of sorts; theyÓre not as
time sensitive as real accounts and therefore give the impression that time sensitive
trading systems, such as short-term moving average crossovers can be consistently
profitably traded; once you start dealing with real money reality is quick to set in.

7) Trading During Off Hours Î Bank FX traders, option traders, and hedge funds
have a huge advantage during off hours; they can push the currencies around when
no volume is going through and the end game is new traders get fleeced trying to
trade signals. There is only one signal during off hours Î stay out.

8) Trading a Currency, Not a Pair Î Being right about a currency is half a trade;
success or failure depends upon being right about the second currency that makes
up the pair.

9) No Trading Plan - Make money is not a trading plan. A trading plan is a
blueprint for trading success; it spells out what you see your edge as being; if you
donÓt have an edge, you donÓt have a plan, and likely youÓll wind up a statistic (part
of the 95% of new traders that lose and quit).

10) Trading Against Prevailing Trend Î There is a huge difference between
buying cheaply on the way down and buying cheaply. What was a low price quickly
becomes a high price when youÓre trading against the trend.

==Page 2==

11) Exiting Trades Poorly Î If you put on a trade and itÓs not working make sure
you exit properly; donÓt compound the damage. If youÓre in a winning trade donÓt
talk yourself out of the position because youÓre bored or want to relieve stress;
stress is a natural part of trading; get use to it.

12) Trading Too Short-term Î If youÓre profit target is less than 20 points donÓt do
the trade; the spread you pay to enter the trade makes the odds way against you
when you go for these tiny profits.

13) Picking Tops and Bottoms - Looking for bargains works well at the
supermarket but not trading foreign exchange; try to trade in the direction the price
is going and youÓre results will improve.

14) Being Too Smart Î The most successful traders I know are high school
graduates. They keep it simple and donÓt look beyond the obvious; their results are
excellent.

15) Not Trading Around News Time Î Most of the big moves occur around news
time. The volume is high and the moves are real; there is no better time to trade
fundamentally or technically than when news is released; this is when the real
money adjusts their positions and as a result the prices changes reflect serious
currency flow (compared to quiet times when Bank traders rule the market with their
customer order flow.

16) Ignore Technical Condition Î Determining whether the market is over-
extended long or over-extended short is a key determinant of near time price action.
Spike moves often occur when the market is all one way.

17) Emotional Trading Î When you donÓt pre-plan youÓre trades essentially itÓs a
thought and not an idea; thoughts are emotions and a very poor basis for doing
trades. Do people generally say intelligent things when they are upset and emotional;
I donÓt think so.

18) Lack of Confidence Î Confidence only comes from successful trading. If you
lose money early in your trading career itÓs very difficult to gain true confidence; the
trick is donÓt go off half-cocked; learn the business before you trade.

19) Lack of Courage to Take a Loss Î There is nothing macho or gutsy about
riding a loss, just stupidity and cowardice. It takes guts to accept your loss and wait
for tomorrow to try again. Getting married to a bad position ruins lots of traders. The
thing to remember is the market does crazy things often so donÓt get married to any
one trade; itÓs just a trade. One good trade will not make you a trading success;
rather itÓs monthly and annual performance that defines a good trader.

20) Not Focusing on the Trade at Hand Î There is no room for fantasizing in
successful trading. Counting up and mentally spending profits you havenÓt made yet
is mental masturbation and does you no good. Same with worrying about a loss that
hasnÓt happened yet. Focus on your position and have a reasonable stop loss in place
at the time you do the trade. Then be like an astronaut Î sit back and enjoy the ride;
no sense worrying because you have no real control; the market will do what it
wants to do.

==Page 3==

21) Interpreting FOREX News Incorrectly Î Fact is the press only has a very
superficial understanding of the news they are reporting and tend to focus on one
element and miss the point. Learn to read the source documents and understand it
for real.

22) Lucky or Good Î Your account balance changes donÓt tell you the whole story
about your trading; fact is if your taking a lot of risk and making money you will
eventually crash and burn. Look at the individual trade details; focus on your big
loses and losing streaks. Ask yourself this; if I had a couple of consecutive losing
streaks or a couple of consecutive big loses, how would my account balance look.
Generally, traders making money without big daily loses have the best chance of
sustaining positive performance. The others are accidents waiting to happen.

23) Too Many Charity Trades Î When you make money on a well thought out
trade donÓt give back half on a whim; invest your profits from good trades on the
next good trade.

24) Courage Under Fire Î When a policeman breaks down the door to a drug
dealers apartment he is scared but he does it anyway. When a fireman climbs onto
the roof of a burning building he is scared but does it anyway; and gets the job done.
Same with trading; itÓs ok to be scared but you have to pull the trigger; no trigger Î
no trades Î no profits Î no trader.

25) Quality Trading Time Î I suggest 3 hours a day of quality, focused trading
time; thatÓs about all your brain allows. When your trading being 100% focused; half
way is bullshitÓ it doesnÓt work. DonÓt even think that time spent in front of the
computer watching the rates has any correlation to profitability; it doesnÓt. Spend
less time but when your trading be 100% focused on trading.

26) Rationalizing Î Killer. Absolute Killer. Put your trade on and let it run. If it hits
your reasonable pre-determined stop your out. Think of yourself as a prizefighter;
you just got knocked out. Moving your stop is like getting up after being crushed
with a knockout blow; itÓs pointless; things will only get worse. DonÓt ignore the
obvious; your wrong Î get out. Come back the next day and try again. A small loss
will not hurt you; a catastrophic loss will.

27) Mixing Apples and Oranges Î Have you ever done this; you see the EURUSD
trading higher so you buy GBPUSD because it ÐhasnÓt moved yetÑ. ThatÓs a mistake.
Most of the time the reason the GBPUSD hasnÓt moved yet is because its already
overbought or some 4:30am UK news was bearish. DonÓt mix apples and oranges; if
EURUSD looks bid buy EURUSD.

28) Avoiding the Hard Trades Î Bank FX traders have an axiom; the harder the
trade is to do the better the trade. This I learned from experience; when I needed to
buy EURUSD and it was hard to get them thatÓs when itÓs necessary to pay up and
get the business done. When itÓs easy to get them then sit back and wait for better
levels. So if your trying to get into a trade or more importantly get out of a trade
donÓt putz around for a few points; get your business done.

29) Too Much Detail Î If your trading more than 2 indicators then you need to
clean house. Having many indicators stifles trading and finds reasons not to trade. A
setup and a trigger is all you need.

==Page 4==

30) Giving Up Too Easy Î Your first trade of the day may not be your best but
certainly itÓs no reason to quit. I have a preset daily trading limit and I use it; you
canÓt make money by making excuses; getting trades wrong is natural and should be
expected.

31) Jumping the Gun Î DonÓt be penny wise and dollar foolish; wait for your trade
signal to be clear; put on your trade and give it a decent size stop loss so that you
donÓt get knocked out by random noise. Do trades donÓtÓ buy lottery tickets
(extremely tight stops).

32) Afraid to Take a Loss - trading is not personal; itÓs business. DonÓt think that a
poor trade is a reflection on you. It could be your just ahead of your time or a
commercial order hits the market and temporarily creates a small unexpected move.
Again, place your stop beforehand and NEVER increase your pre-determined risk; if
itÓs going bad it will probably get worse; I think thatÓs Einstein Ðin motion stays in
motionÈÑ

33) Over-Relying on Risk Reward Î There is zero advantage in risk reward; if you
put a 20 point stop and a 60 point profit your chances are probably 3-1 that you will
lose; actually with the spread its more like 4 to 1 (from entry point if it goes down 17
points you lose or up 63 you win; 17/63 is close to 4-1).

34) Trading for Wrong Reasons Î Because the EURUSD is going up is not in itself
a reason to buy. Buying EURUSD because its not moving so little risk is even worse;
youÓre paying the toll (spread) without even a hint that you will get a directional
move. If your bored donÓt trade; the reason your bored is there is no trade to do in
the first place.

35) Rumors Î Rumors are rumors almost 100% of the time; think about where in
the motion you heard the rumor; if EURUSD is up 50 points in last 15 minutes and
the rumor is dollar negative, well then you missed it. Whenever you trades
determine where in the motion you are entering.

36) Trading Short-term Moving Average Crossovers Î This is the money sucker
of the century. When the shorter term moving average cross the longer term moving
average it only means that the average price in the short run is equal to the average
price in the longer run. For the life of me I cannot understand why this is bullish or
bearish. Easy to set up on software, complete with lights, bells and whistles, and
good for the seller getting thousands for the software but in terms of creating profit
itÓs a zero.

37) Stochastic Î Another money sucker. Personally I think this indicator is used
backwards; when it first signals an overdone condition thatÓs when I think the big
spike in the ÐoverdoneÑ currency pair occurs. To be overbought means strong and
oversold means weak. Try buying on the first sign of overbought and selling on the
first sign of oversold; youÓll be with the trend and likely have identified a move with
plenty of juice left. So if %k and %d are both crossing 80; buy! (Same on sell side;
sell at 20)

38) Wrong Broker Î A lot of FOREX brokers are horrible; get a good one. Read
forums and chats in several different places to get an unbiased opinion.

==Page 5==

39) Simulated Results Î Watch out for Ðblack boxÑ systems; these are trading
systems that donÓt divulge how the trade signals are generated. Great majority of
them are absolute garbage. They show you a track record of extraordinary results
but think about it; if you could build a trading system with half a dozen filters using
the benefit of hindsight, couldnÓt you too come up with a great system. Of course
going forward is an entirely different story. High-speed number crunching capabilities
allows for building great hindsight trading systems; BEWARE.

40) Inconsistency Î Every business (FOREX trading included) requires a business
plan (trading plan). Unless you have taken the time to write down a set of rules that
you can and will follow, itÓs likely your trading will remain unfocused and
directionless. Make a plan, have rules, follow them set goals that are realistic and
you will achieve them.

41) Master of None Î Focus on one currency for technical trading; each currency
has a unique way of trading and unless you get intimate with it you will never truly
understand its underlying idiosyncrasies. DonÓt spread yourself too thin Î focus Î
master one currency at a time.

42) Thinking Long Term Î DonÓt do it. Stay in the moment. Especially if youÓre a
day trader. It doesnÓt matter what happens next week or next month, if your trading
with 30 to 50 point stops restrict your thought process to whatÓs happening right
now. That is not to stay the long-term trend is not important; it is to say the long-
term trend will not always help you when your trading a significantly shorter time
frame.

43) Overconfidence Î Trading is not easy; statistics show 95% failure rate. If your
doing well donÓt take your success for granted; always be on the lookout for ways to
improve what youÓre doing.

44) Getting Pumped Up Î The trick is to maintain an even keel; when you are in a
trade you want to think exactly as you would if you didnÓt have a trade on. To do this
requires a relaxed disposition; this is not a football game; donÓt get psyched up;
relax and try to enjoy it.

45) Staying in the Game Î I donÓt recommend demo trading because traders learn
bad habits when trading with play money. I also donÓt think Ðletting it all hang outÑ
right away is wise either. Start off doing trades and taking risk that is relatively small
but still makes a difference to you if you win or lose; about a quarter to a third of
what you expect to reach as your trading matures is reasonable.

Retired proven professional Bank FOREX trader with over 20 years of hands-
on FOREX trading experience.

Email: jimmy@eurusdtrader.com
Web: http://www.eurusdtrader.com

Free Ebooks: Money Mastery, 10 Principles That Will Change Your Financial Life Forever

2010-12-28T22:18:00.000-08:00

by ALAN M. WILLIAMS, PETER R. JEPPSON, SANFORD C. BOTKIN

Foreword.
Introduction:
Why You Should Read This Book .
Part I: The Money Mastery Principles.
Chapter 1: Money Is Emotional
Chapter 2: Track It! Control It!
Chapter 3: No Such Thing As “Savings”
Chapter 4: Power Down Your Debt
Chapter 5: Know the Rules of the Game
Chapter 6: The Rules Are Always Changing
Chapter 7: Look at the Big Picture
Chapter 8: Organize Your Wealth
Chapter 9: Understanding Taxation
Chapter 10: Put Your Money in Motion

Part II:
Tax Strategies
Chapter 11 Why You Should Start a Home-Based Business
Chapter 12 To Incorporate or Not
Chapter 13 You’re in Business, So Act Like It!
Chapter 14 Your Home Office: A Tax-Saving Resource
Chapter 15 Deducting Meals, Entertainment, Car, and Travel With Confidence
Chapter 16 Income Shifting: Tax Secret of the Wealthy In Conclusion
Appendicies
Notes
Index
About the Authors

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Free Ebooks: How to Make Money in Stocks: A Winning System in Good Times and Bad

2010-12-28T18:59:00.000-08:00

by William J. O'neil

Table of Contents:
Part l A Winning System: C-A-N S-L-I-M
Introduction: Learning from the Greatest Winners 2
1. C = Current Quarterly Earnings Per Share: How Much Is Enough? 5
2. A = Annual Earnings Increases: Look for Meaningful Growth 14
3. N = New Products, New Management, New Highs: Buying at the Right Time 22
4. S = Supply and Demand: Small Capitalization Plus Big Volume Demand 29
5. L = Leader or Laggard: Which Is Your Stock? 34
6. I = Institutional Sponsorship: A Little Goes a Long Way 40
7. M = Market Direction: How to Determine It

Part 2 Be Smart from the Start
8. Finding a Broker, Opening an Account, and What It Costs to Buy Stocks 80
9. When to Seil if Your Selection or Timing Might Be Wrong 85
10. When to Seil and Take Your Profit 97
11. Should You Diversify, Invest for the Long Pull, Buy on Margin, Seil Short?
12. Should You Buy Options, OTC Stocks, New Issues...?
13. How You Could Make a Million Owning Mutual Funds

Part 3 Invcsting likc a Professional
14. Models of the Greatest Stock Market Winners: 1953-1993 140
15. How to Read Charts like an Expert and Improve Your Stock Selection and Timing 160
16. How to Make Money Reading the Daily Financial News Pages 180
17. The Art of Tape Reading: Analyzing and Reacting to News 207
18. How to Pick the Best Industry Groups, Subgroups, and Market Sectors 218
19. Improving Management of Pension and Institutional Portfolios 230
20. 18 Common Mistakes Most Investors Make 254

(All you have to do is leave me a comment, post your name and email address, and I'll give you this free ebook.)

Free Ebooks: How to get lots of Money from Anything Fast by Stuart Lichtman and Joe Vitale

2010-12-28T16:13:00.000-08:00

Table of Contents:

Note
If you Have Questions
Formulas for Miracles: An Introduction by Joe Vitale
How I raised 2.5 Million Dollars, Died for 8 minutes, and Developed the Cybernetic Transposition Techniques: A Foreword by Stuart Lichtman
Chapter One: The New Way to Achieve all Your Dreams
Chapter Two: Basic Achievement Step 1 -How to Set your first Target
Chapter Three: Basic Achievement Step 2- How to Make your Target More Important than Distractions
Chapter Four: Basic Achievement Step 3 - How to Resolve Unconscious Conflicts That would Normally Block Reaching your Basic Achievement Target
Chapter Five: How to take the Temperature of your Target
Chapter Six: How to Become Super Lucky - The Cybernetic Transposition Super Achievement Process
Chapter Seven: How to Create Your Inner Anchor Point - A Magic Tool for Rocketing your Target
Chapter Eight: How to Achieve the Impossible, or, The Amazing Secret of Robin Hood and Ancient Zen Masters
Chapter Nine: How to Communicate with your Unconcious
The Super Achievement Target Process
Chapter Ten: The Super Achievement Step Three -How to Resolve Self-Destructive Unconscious Habit Patterns Forever!
Chapter Eleven: Trouble Shooting and Practice - How to Guarantee your Success
A Word From the Author
About the Author

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Free Ebook: Men are from Mars, Women are from Venus (An Excerpt)

2010-12-28T01:32:00.000-08:00

Men Are from Mars, Women Are from Venus is a manual for loving relationships in the 1990s. It reveals how men and women differ in all areas of their lives. Not only do men and women cornmunicate differently but they think, feel, perceive, react, respond, love, need, and appreciate differently. They almost seem to be from different planets, speaking different languages and needing different nourishment. This expanded understanding of our differences helps resolve much of the frustration in dealing with and trying to understand the opposite sex. Misunderstandings can then be quickly dissipated or avoided. Incorrect expectations are easily corrected. When you remember that your partner is as different from you as someone from another planet, you can relax and cooperate with the differences instead of resisting or trying to change them. Most important, throughout this book you will learn practical techniques for solving the problems that arise from our differences. This book is not just a theoretical analysis of psychological differences but also a practical manual for how to succeed in creating loving relationships. The truth of these principles is self-evident and can be validated by your own experience as well as by common sense. Many examples will simply and concisely express what you have always intuitively known. This validation will assist you in being you and in not losing yourself in your relationships. In response to these insights, men often say "This is exactly how 1 am. Have you been following me around? I no longer feel like something is wrong with me." Women often say "Finally my husband listens to me. I don't have to fight to be validated. When you explain our differences, my husband understands. Thank you!" These are but a few of the thousands of inspirational comments that people have shared after learning that men are from Mars and women are from Venus. The results of this new program for understanding the opposite sex are not only dramatic and immediate but also long lasting.

(I can give you a free copy of the ebook. All you have to do is leave me a comment, post your name and email address, and I'll give you this free ebook.)

For Sale: House and Lot in Moonwalk Paranaque

2010-12-28T00:22:00.000-08:00

(Through Multinational Village, Paranaque)

2 units of old duplex houses, in a 60sqm lot for P800,000.

St. Francis Street, Moonwalk, Paranaque.

Some info:

-From Multinational Village gate, sakay ng jeep na umiikot sa loob ng Multinational. Mula sa babaan ng jeep sa Daang Batang, walk about 100 meters to the place (St Francis Street). From St. Francis street, dadaan po sa eskinita about 8 meters. Medyo luma na ang bahay, but pwedeng-pwedeng tirhan. Currently pinauupahan po ito. 2 units po yung houses.

-WALA PO SIYA SA LOOB NG SUBDIVISION. Private property siya before na tinirahan ng mga tao, and soon, ipinamahagi na ng may-ari sa mga tumira dun. Please expect that the houses in the community are not so good. Some houses around the area are made of wood, some are luma na rin.

-Parking: WALANG SARILING PARKING pero pwede magpark sa St. Francis Street, sa tapat ng bakanteng lote bago pumasok sa eskinita, makiusap na lang po doon.

-Water: Walang sariling linya ng tubig. pwedeng pakabitan.

-preferably cash... pwede ring bank financing (kayo po ang mag-aasikaso).

-the buyer will shoulder the corresponding expenses for the transfer of title.

-for more info, call 853-5466

-other questions, please ask 09163910169 or email leelia5678@yahoo.com.

The Woman Men Adore and Never Want to Leave by Bob Grant

2010-12-28T00:01:00.000-08:00

Knowing what's in the mind of men is POWER! I myself tried to learn about it. I read lots of books about the mindset of men. One of them is The Woman Men Adore and Never Want to Leave.

Being a woman men adore and never want to leave comes with the great smile and the great attitude. With the great smile, you have to learn it yourself. With the attitude, you can learn it by reading this book.

This book tells you how to react, how to express your feelings without hurting the guy's ego. This also tells you how to massage men's ego.

This ebook has 115 pages. This is the table of contents:

Chapter 1: Vulnerability
Trying Harder
The Ability to Influence

Chapter 2: What Men Really Want
The Man is the Head; The Woman is the Heart
The Brain's Role in Relationships
Pain and Voids
Beauty

Chapter 3: Listening to Your Heart
What is your Heart
Listening to your Feelings

Chapter 4: Certain Deaths to Relationship
Pounds of Anger

Chapter 5: Forgiveness
Stages of Forgiveness

Chapter 6: Secrets of a great relationship:
The Obvious Clues
The Secret Ratio
Being yourself

Chapter 7: Deciding your Style
Head or Heart
What Men Crave- What Woman Need

Chapter 8: No Man is a Match for a Woman
Who Puts her Heart First
Your Secret Guide

Chapter 9: Personality and Perception
Observations and Myths
Introverts vs Extroverts
Timing
What You Call them, they will become
The Law of Balance
Why He Doesnt Listen
The Man this will not work on

Chapter 10: Practical, Practical, Practical

Chapter 11: What you can Expect.

Legal Forms: AFFIDAVIT OF DISCREPANCY in the Spelling of Family Name

2010-12-27T22:26:00.000-08:00

REPUBLIC OF THE PHILIPPINES)
Province of____________________) S.S.
City/Municipality of_____________)

AFFIDAVIT OF DISCREPANCY

            I, LUCRESIA MALDITA, of legal age, married, Filipino and a resident of _____________, Philippines having been duly sworn I accordance with law, hereby depose and state:

1.       That on _______________, I was issued a NBI ID with ID number _____________ in which my true surname MALDITA was stated;

2.       That before the expiration of the aforementioned NBI ID on ______________, I had applied with NBI Makati in ______________ for the issuance of a new NBI ID and on ______________, I was issued a new NBI ID with ID no. _______________;

3.       However, in the said new NBI ID my surname had been erroneously misspelled as MALDITO;

4.       That I execute this Affidavit of Discrepancy to attest to the truth of the foregoing circumstances and to explain the discrepancy in my NBI ID with regards to my surname.

IN WITNESS WHEREOF, I have hereunto set my hands this _____________, at ______________, Philippines.

Subscribed and Sworn to before me this _____________ day of 20___, Affiant exhibiting his/her Residence Certificate No. ________________ issued at ____________________ on ____________________.

Notary Public
Until Dec 31, 2011
Address___
Attorney's Roll No.___
IBP Roll No.___
PTR Receipt No.___

Doc. No.___
Page No.___
Book No.___
Series of ___

Pull your Ex Back: Guaranteed ways to bring your ex lover back into your life by Ryan Hall

2010-12-27T16:57:00.000-08:00

Pull your Ex Back is one of the most amazing books I've ever have. For me, the contents are better that the Magic of Making Up. The contents tell you of what you should do specifically, what exactly to tell your ex to get him/her back into your arms again.

To give you a glimpse of it, here's the table of contents:
TABLE OF CONTENTS
Chapter #1 The Emotional Roller Coaster Phase
Chapter #2 So Why Did it All End?
Chapter #3 The Most Important Rule- "No contact"
Chapter #4 Putting it All Into Action..."The Instant Shift Technique"
Chapter #5 The Deciding Phase- Do You Really Want them Back?
Chapter #6 Getting Into Your Ex's Shoes
Chapter #7 Getting the Power Back-”The Main Process”
Chapter #8 An Important decision- "Let's Date Again"
Chapter #9 And Finally They Call
Chapter #10 Getting in Touch With Your Ex
Chapter #11 The Big Date
Chapter #12 The Big Re-Union
Chapter #13 Get Your Ex Addicted to You
Chapter #14 Most Vital Questions Answered
Chapter #15 When Things Don't Go Your Way
Chapter #16 Avoiding a Breakup When it Hasn't Already Taken Place
Chapter #17 What If I Dumped Them?
Final Notes

The ebook has 90 pages. It comes with a bonus ebook, entitled "“21 Most Important Keys to Getting Your Ex Back”.

I'm sharing this for P200. Ask me by posting a comment below.

The Magic of Making Up by T.W. Jackson

2010-12-27T02:01:00.000-08:00

The Magic of Making Up

I bought this book for $39, that's about P2000 due to the experience of breaking up with my ex-boyfriend. It was crazy during this time, but I cope up with this. It was really hard during those times, but I was able to survive. With reading a lot and with the help of The Magic of Making Up, I was able to get by with the hardest days of my love life.

To buy this from the source site, one has to have a credit card. I know, not all people, especially in the Philippines have a credit card. I was lucky to have a credit card that time so I was able to buy it. Honestly, the Magic of Making is the most expensive book I have. After I bought this, napaisip ako, whoah! Talagang binili ko ang ganito kamahal na libro! Just imagine, how desperate I was during those times. So naiintindihan ko rin ang nararamdaman ng bawat dumaan sa break up. Now, I'm sharing this for P200 only to help those who are in need.

To give a glimpse of the Magic of Making Up, here's the table of contents:
Table of Contents
Chapter 1: Understanding Why Your Relationship Ended (And Why It’s Not Over Just Yet)
Chapter 2: Don’t Panic – Your Key to Winning Back Their Love (Getting Your Head On Straight)
Chapter 3: Removing the Splinter in Your Relationship (Where Do You Stand?)
Chapter 4: Re-Igniting the Spark of Passion and Desire (The Plan)
Chapter 5: Dates and Lovers – How Other People Can Actually Bring You Back Together With Your Ex
Chapter 6: Easing Back Into Your Relationship to Solidify Your Love
Chapter 7:Maintaining the Fun and Love Without Dredging Up Old Wounds and Arguments
Chapter 8: When Your Relationship Can’t Be Saved – Moving On With Grace

The book has 62 pages. It comes with free ebooks (1) Clean Slate Method, (2) Boost your Metabolism, and (3) Mind Magic.

If you have questions, do not hesitate to ask me by posting a comment below. :)

Legal Forms: AFFIDAVIT OF LOSS

2010-12-26T20:03:00.000-08:00

REPUBLIC OF THE PHILIPPINES )
CITY OF MANILA ) S.S

AFFIDAVIT OF LOSS

           I, _____________, of legal age, single and residing at______after having been duly sworn to according to law hereby depose and state:

           1. That I am the owner of a Nokia cellphone model 6150 with unit number 0917-5555555 under account number 222222;

           2. That on the 30th of October, 2002 with a number of books and packages I was carrying while getting out of my car, my said cellphone must have slipped from my pocket because after I reached my office, I hurriedly tried to get my said cellphone from my pocket but I was a little bit shocked as it was not there anymore;

           3. That after diligent search inside my car and the stairs and elevator used going up my office, my said cellphone was nowhere to be found anymore;

           4. That I am executing this affidavit in order to attest to the truth of the foregoing circumstances and for the purpose of reporting the loss to the Globe business center.

           IN WITNESS WHEREOF, I have hereunto set my hand this ___day of October, 2002 at the City of Manila.

RA 8552 Domestic Adoption Act

2010-12-26T18:22:00.000-08:00

For those who want to adopt a minor, this is the law that you might want to read.

In the Philippines, one cannot just adopt the child whom he has seen in his doorstep. The adopter must go to the court and file a petition for adoption. Neither can a parent let someone adopt his/her child without going through the legal process. Even if the intention of the adopter is pure and clean, adopting a child without going through the legal process is considered illegal and may be considered human traficking. This law tells us who may adopt and the requirements for domestic adoption.

_______________________________________
REPUBLIC ACT NO. 8552
AN ACT ESTABLISHING THE RULES AND POLICIES ON THE DOMESTIC ADOPTION OF FILIPINO CHILDREN AND FOR OTHER PURPOSES.
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ARTICLE I
GENERAL PROVISIONS
Section 1. Short Title. — This Act shall be known as the "Domestic Adoption Act of 1998."
Sec. 2. Declaration of Policies. — (a) It is hereby declared the policy of the State to ensure that every child remains under the care and custody of his/her parent(s) and be provided with love, care, understanding and security towards the full and harmonious development of his/her personality. Only when such efforts prove insufficient and no appropriate placement or adoption within the child's extended family is available shall adoption by an unrelated person be considered.
(b) In all matters relating to the care, custody and adoption of a child, his/her interest shall be the paramount consideration in accordance with the tenets set forth in the United Nations (UN) Convention on the Rights of the Child; UN Declaration on Social and Legal Principles Relating to the Protection and Welfare of Children with Special Reference to Foster Placement and Adoption, Nationally and Internationally; and the Hague Convention on the Protection of Children and Cooperation in Respect of Intercountry Adoption. Toward this end, the State shall provide alternative protection and assistance through foster care or adoption for every child who is neglected, orphaned, or abandoned.chan robles virtual law library
(c) It shall also be a State policy to:
      (i) Safeguard the biological parent(s) from making hurried decisions to relinquish his/her parental authority over his/her child;
      (ii) Prevent the child from unnecessary separation from his/her biological parent(s);
      (iii) Protect adoptive parent(s) from attempts to disturb his/her parental authority and custody over his/her adopted child.
      Any voluntary or involuntary termination of parental authority shall be administratively or judicially declared so as to establish the status of the child as "legally available for adoption" and his/her custody transferred to the Department of Social Welfare and Development or to any duly licensed and accredited child-placing or child-caring agency, which entity shall be authorized to take steps for the permanent placement of the child;
      (iv) Conduct public information and educational campaigns to promote a positive environment for adoption;
      (v) Ensure that sufficient capacity exists within government and private sector agencies to handle adoption inquiries, process domestic adoption applications, and offer adoption-related services including, but not limited to, parent preparation and post-adoption education and counseling; and
      (vi) Encourage domestic adoption so as to preserve the child's identity and culture in his/her native land, and only when this is not available shall intercountry adoption be considered as a last resort.
Sec. 3. Definition of Terms. — For purposes of this Act, the following terms shall be defined as:
      (a) "Child" is a person below eighteen (18) years of age.
      (b) "A child legally available for adoption" refers to a child who has been voluntarily or involuntarily committed to the Department or to a duly licensed and accredited child-placing or child-caring agency, freed of the parental authority of his/her biological parent(s) or guardian or adopter(s) in case of rescission of adoption.
      (c) "Voluntarily committed child" is one whose parent(s) knowingly and willingly relinquishes parental authority to the Department.
      (d) "Involuntarily committed child" is one whose parent(s), known or unknown, has been permanently and judicially deprived of parental authority due to abandonment; substantial, continuous, or repeated neglect; abuse; or incompetence to discharge parental responsibilities.chan robles virtual law library
      (e) "Abandoned child" refers to one who has no proper parental care or guardianship or whose parent(s) has deserted him/her for a period of at least six (6) continuous months and has been judicially declared as such.
      (f) "Supervised trial custody" is a period of time within which a social worker oversees the adjustment and emotional readiness of both adopter(s) and adoptee in stabilizing their filial relationship.
      (g) "Department" refers to the Department of Social Welfare and Development.
      (h) "Child-placing agency" is a duly licensed and accredited agency by the Department to provide comprehensive child welfare services including, but not limited to, receiving applications for adoption, evaluating the prospective adoptive parents, and preparing the adoption home study.
      (i) "Child-caring agency" is a duly licensed and accredited agency by the Department that provides twenty four (24)-hour residential care services for abandoned, orphaned, neglected, or voluntarily committed children.
      (j) "Simulation of birth" is the tampering of the civil registry making it appear in the birth records that a certain child was born to a person who is not his/her biological mother, causing such child to lose his/her true identity and status.
ARTICLE II
PRE-ADOPTION SERVICES
Sec. 4. Counseling Service. — The Department shall provide the services of licensed social workers to the following:
      (a) Biological Parent(s) — Counseling shall be provided to the parent(s) before and after the birth of his/her child. No binding commitment to an adoption plan shall be permitted before the birth of his/her child. A period of six (6) months shall be allowed for the biological parent(s) to reconsider any decision to relinquish his/her child for adoption before the decision becomes irrevocable. Counseling and rehabilitation services shall also be offered to the biological parent(s) after he/she has relinquished his/her child for adoption.
      Steps shall be taken by the Department to ensure that no hurried decisions are made and all alternatives for the child's future and the implications of each alternative have been provided.
      (b) Prospective Adoptive Parent(s) — Counseling sessions, adoption fora and seminars, among others, shall be provided to prospective adoptive parent(s) to resolve possible adoption issues and to prepare him/her for effective parenting.
      (c) Prospective Adoptee — Counseling sessions shall be provided to ensure that he/she understands the nature and effects of adoption and is able to express his/her views on adoption in accordance with his/her age and level of maturity.
Sec. 5. Location of Unknown Parent(s). — It shall be the duty of the Department or the child-placing or child-caring agency which has custody of the child to exert all efforts to locate his/her unknown biological parent(s). If such efforts fail, the child shall be registered as a foundling and subsequently be the subject of legal proceedings where he/she shall be declared abandoned.chan robles virtual law library
Sec. 6. Support Services. — The Department shall develop a pre-adoption program which shall include, among others, the above mentioned services.
ARTICLE III
ELIGIBILITY
Sec. 7. Who May Adopt. — The following may adopt:
      (a) Any Filipino citizen of legal age, in possession of full civil capacity and legal rights, of good moral character, has not been convicted of any crime involving moral turpitude, emotionally and psychologically capable of caring for children, at least sixteen (16) years older than the adoptee, and who is in a position to support and care for his/her children in keeping with the means of the family. The requirement of sixteen (16) year difference between the age of the adopter and adoptee may be waived when the adopter is the biological parent of the adoptee, or is the spouse of the adoptee's parent;
      (b) Any alien possessing the same qualifications as above stated for Filipino nationals: Provided, That his/her country has diplomatic relations with the Republic of the Philippines, that he/she has been living in the Philippines for at least three (3) continuous years prior to the filing of the application for adoption and maintains such residence until the adoption decree is entered, that he/she has been certified by his/her diplomatic or consular office or any appropriate government agency that he/she has the legal capacity to adopt in his/her country, and that his/her government allows the adoptee to enter his/her country as his/her adopted son/daughter: Provided, Further, That the requirements on residency and certification of the alien's qualification to adopt in his/her country may be waived for the following:

            (i) a former Filipino citizen who seeks to adopt a relative within the fourth (4th) degree of consanguinity or affinity; or
            (ii) one who seeks to adopt the legitimate son/daughter of his/her Filipino spouse; or
            (iii) one who is married to a Filipino citizen and seeks to adopt jointly with his/her spouse a relative within the fourth (4th) degree of consanguinity or affinity of the Filipino spouse; or
            .
      (c) The guardian with respect to the ward after the termination of the guardianship and clearance of his/her financial accountabilities.
Husband and wife shall jointly adopt, except in the following cases:
      (i) if one spouse seeks to adopt the legitimate son/daughter of the other; or
      (ii) if one spouse seeks to adopt his/her own illegitimate son/daughter: Provided, However, that the other spouse has signified his/her consent thereto; or
      (iii) if the spouses are legally separated from each other.chan robles virtual law library
In case husband and wife jointly adopt, or one spouse adopts the illegitimate son/daughter of the other, joint parental authority shall be exercised by the spouses.
Sec. 8. Who May Be Adopted. — The following may be adopted:
      (a) Any person below eighteen (18) years of age who has been administratively or judicially declared available for adoption;
      (b) The legitimate son/daughter of one spouse by the other spouse;
      (c) An illegitimate son/daughter by a qualified adopter to improve his/her status to that of legitimacy;
      (d) A person of legal age if, prior to the adoption, said person has been consistently considered and treated by the adopter(s) as his/her own child since minority;
      (e) A child whose adoption has been previously rescinded; or
      (f) A child whose biological or adoptive parent(s) has died: Provided, That no proceedings shall be initiated within six (6) months from the time of death of said parent(s).
Sec. 9. Whose Consent is Necessary to the Adoption. — After being properly counseled and informed of his/her right to give or withhold his/her approval of the adoption, the written consent of the following to the adoption is hereby required:
      (a) The adoptee, if ten (10) years of age or over;
      (b) The biological parent(s) of the child, if known, or the legal guardian, or the proper government instrumentality which has legal custody of the child;
      (c) The legitimate and adopted sons/daughters, ten (10) years of age or over, of the adopter(s) and adoptee, if any;
      (d) The illegitimate sons/daughters, ten (10) years of age or over, of the adopter if living with said adopter and the latter's spouse, if any; and
      (e) The spouse, if any, of the person adopting or to be adopted.
ARTICLE IV
PROCEDURE
Sec. 10. Hurried Decisions. — In all proceedings for adoption, the court shall require proof that the biological parent(s) has been properly counseled to prevent him/her from making hurried decisions caused by strain or anxiety to give up the child, and to sustain that all measures to strengthen the family have been exhausted and that any prolonged stay of the child in his/her own home will be inimical to his/her welfare and interest.chan robles virtual law library
Sec. 11. Case Study. — No petition for adoption shall be set for hearing unless a licensed social worker of the Department, the social service office of the local government unit, or any child-placing or child-caring agency has made a case study of the adoptee, his/her biological parent(s), as well as the adopter(s), and has submitted the report and recommendations on the matter to the court hearing such petition.
At the time of preparation of the adoptee's case study, the concerned social worker shall confirm with the Civil Registry the real identity and registered name of the adoptee. If the birth of the adoptee was not registered with the Civil Registry, it shall be the responsibility of the concerned social worker to ensure that the adoptee is registered.
The case study on the adoptee shall establish that he/she is legally available for adoption and that the documents to support this fact are valid and authentic. Further, the case study of the adopter(s) shall ascertain his/her genuine intentions and that the adoption is in the best interest of the child.
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The Department shall intervene on behalf of the adoptee if it finds, after the conduct of the case studies, that the petition should be denied. The case studies and other relevant documents and records pertaining to the adoptee and the adoption shall be preserved by the Department.
Sec. 12. Supervised Trial Custody. — No petition for adoption shall be finally granted until the adopter(s) has been given by the court a supervised trial custody period for at least six (6) months within which the parties are expected to adjust psychologically and emotionally to each other and establish a bonding relationship. During said period, temporary parental authority shall be vested in the adopter(s).
The court may motu proprio or upon motion of any party reduce the trial period if it finds the same to be in the best interest of the adoptee, stating the reasons for the reduction of the period. However, for alien adopter(s), he/she must complete the six (6)-month trial custody except for those enumerated in Sec. 7 (b) (i) (ii) (iii).
If the child is below seven (7) years of age and is placed with the prospective adopter(s) through a pre-adoption placement authority issued by the Department, the prospective adopter(s) shall enjoy all the benefits to which biological parent(s) is entitled from the date the adoptee is placed with the prospective adopter(s).
Sec. 13. Decree of Adoption. — If, after the publication of the order of hearing has been complied with, and no opposition has been interposed to the petition, and after consideration of the case studies, the qualifications of the adopter(s), trial custody report and the evidence submitted, the court is convinced that the petitioners are qualified to adopt, and that the adoption would redound to the best interest of the adoptee, a decree of adoption shall be entered which shall be effective as of the date the original petition was filed. This provision shall also apply in case the petitioner(s) dies before the issuance of the decree of adoption to protect the interest of the adoptee. The decree shall state the name by which the child is to be known.
Sec. 14. Civil Registry Record. — An amended certificate of birth shall be issued by the Civil Registry, as required by the Rules of Court, attesting to the fact that the adoptee is the child of the adopter(s) by being registered with his/her surname. The original certificate of birth shall be stamped "cancelled" with the annotation of the issuance of an amended birth certificate in its place and shall be sealed in the civil registry records. The new birth certificate to be issued to the adoptee shall not bear any notation that it is an amended issue.
Sec. 15. Confidential Nature of Proceedings and Records. — All hearings in adoption cases shall be confidential and shall not be open to the public. All records, books, and papers relating to the adoption cases in the files of the court, the Department, or any other agency or institution participating in the adoption proceedings shall be kept strictly confidential.chan robles virtual law library
If the court finds that the disclosure of the information to a third person is necessary for purposes connected with or arising out of the adoption and will be for the best interest of the adoptee, the court may merit the necessary information to be released, restricting the purposes for which it may be used.
ARTICLE V
EFFECTS OF ADOPTION
Sec. 16. Parental Authority. — Except in cases where the biological parent is the spouse of the adopter, all legal ties between the biological parent(s) and the adoptee shall be severed and the same shall then be vested on the adopter(s).
Sec. 17. Legitimacy. — The adoptee shall be considered the legitimate son/daughter of the adopter(s) for all intents and purposes and as such is entitled to all the rights and obligations provided by law to legitimate sons/daughters born to them without discrimination of any kind. To this end, the adoptee is entitled to love, guidance, and support in keeping with the means of the family.
Sec. 18. Succession. — In legal and intestate succession, the adopter(s) and the adoptee shall have reciprocal rights of succession without distinction from legitimate filiation. However, if the adoptee and his/her biological parent(s) had left a will, the law on testamentary succession shall govern.
ARTICLE VI
RESCISSION OF ADOPTION
Sec. 19. Grounds for Rescission of Adoption. — Upon petition of the adoptee, with the assistance of the Department if a minor or if over eighteen (18) years of age but is incapacitated, as guardian/counsel, the adoption may be rescinded on any of the following grounds committed by the adopter(s): (a) repeated physical and verbal maltreatment by the adopter(s) despite having undergone counseling; (b) attempt on the life of the adoptee; (c) sexual assault or violence; or (d) abandonment and failure to comply with parental obligations.
Adoption, being in the best interest of the child, shall not be subject to rescission by the adopter(s). However, the adopter(s) may disinherit the adoptee for causes provided in Article 919 of the Civil Code.
Sec. 20. Effects of Rescission. — If the petition is granted, the parental authority of the adoptee's biological parent(s), if known, or the legal custody of the Department shall be restored if the adoptee is still a minor or incapacitated. The reciprocal rights and obligations of the adopter(s) and the adoptee to each other shall be extinguished.
The court shall order the Civil Registrar to cancel the amended certificate of birth of the adoptee and restore his/her original birth certificate.
Succession rights shall revert to its status prior to adoption, but only as of the date of judgment of judicial rescission. Vested rights acquired prior to judicial rescission shall be respected.chan robles virtual law library
All the foregoing effects of rescission of adoption shall be without prejudice to the penalties imposable under the Penal Code if the criminal acts are properly proven.
ARTICLE VII
VIOLATIONS AND PENALTIES
Sec. 21. Violations and Penalties. — (a) The penalty of imprisonment ranging from six (6) years and one (1) day to twelve (12) years and/or a fine not less than Fifty thousand pesos (P50,000.00), but not more than Two hundred thousand pesos (P200,000.00) at the discretion of the court shall be imposed on any person who shall commit any of the following acts:
      (i) obtaining consent for an adoption through coercion, undue influence, fraud, improper material inducement, or other similar acts;
      (ii) non-compliance with the procedures and safeguards provided by the law for adoption; or
      (iii) subjecting or exposing the child to be adopted to danger, abuse, or exploitation.
(b) Any person who shall cause the fictitious registration of the birth of a child under the name(s) of a person(s) who is not his/her biological parent(s) shall be guilty of simulation of birth, and shall be punished by prision mayor in its medium period and a fine not exceeding Fifty thousand pesos (P50,000.00).
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Any physician or nurse or hospital personnel who, in violation of his/her oath of office, shall cooperate in the execution of the abovementioned crime shall suffer the penalties herein prescribed and also the penalty of permanent disqualification.
Any person who shall violate established regulations relating to the confidentiality and integrity of records, documents, and communications of adoption applications, cases, and processes shall suffer the penalty of imprisonment ranging from one (1) year and one (1) day to two (2) years, and/or a fine of not less than Five thousand pesos (P5,000.00) but not more than Ten thousand pesos (P10,000.00), at the discretion of the court.
A penalty lower by two (2) degrees than that prescribed for the consummated offense under this Article shall be imposed upon the principals of the attempt to commit any of the acts herein enumerated. Acts punishable under this Article, when committed by a syndicate or where it involves two (2) or more children shall be considered as an offense constituting child trafficking and shall merit the penalty of reclusion perpetua.
Acts punishable under this Article are deemed committed by a syndicate if carried out by a group of three (3) or more persons conspiring and/or confederating with one another in carrying out any of the unlawful acts defined under this Article. Penalties as are herein provided, shall be in addition to any other penalties which may be imposed for the same acts punishable under other laws, ordinances, executive orders, and proclamations.chan robles virtual law library
When the offender is an alien, he/she shall be deported immediately after service of sentence and perpetually excluded from entry to the country.
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Any government official, employee or functionary who shall be found guilty of violating any of the provisions of this Act, or who shall conspire with private individuals shall, in addition to the above-prescribed penalties, be penalized in accordance with existing civil service laws, rules and regulations: Provided, That upon the filing of a case, either administrative or criminal, said government official, employee, or functionary concerned shall automatically suffer suspension until the resolution of the case.
Sec. 22. Rectification of Simulated Births. — A person who has, prior to the effectivity of this Act, simulated the birth of a child shall not be punished for such act: Provided, That the simulation of birth was made for the best interest of the child and that he/she has been consistently considered and treated by that person as his/her own son/daughter: Provided, further, That the application for correction of the birth registration and petition for adoption shall be filed within five (5) years from the effectivity of this Act and completed thereafter: Provided, finally, That such person complies with the procedure as specified in Article IV of this Act and other requirements as determined by the Department.
ARTICLE VIII
FINAL PROVISIONS
Sec. 23. Adoption Resource and Referral Office. — There shall be established an Adoption Resources and Referral Office under the Department with the following functions: (a) monitor the existence, number, and flow of children legally available for adoption and prospective adopter(s) so as to facilitate their matching; (b) maintain a nationwide information and educational campaign on domestic adoption; (c) keep records of adoption proceedings; (d) generate resources to help child-caring and child-placing agencies and foster homes maintain viability; and (e) do policy research in collaboration with the Intercountry Adoption Board and other concerned agencies. The office shall be manned by adoption experts from the public and private sectors.
Sec. 24. Implementing Rules and Regulations. — Within six (6) months from the promulgation of this Act, the Department, with the Council for the Welfare of Children, the Office of Civil Registry General, the Department of Justice, Office of the Solicitor General, and two (2) private individuals representing child-placing and child-caring agencies shall formulate the necessary guidelines to make the provisions of this Act operative.chan robles virtual law library
Sec. 25. Appropriations. — Such sum as may be necessary for the implementation of the provisions of this Act shall be included in the General Appropriations Act of the year following its enactment into law and thereafter.
Sec. 26. Repealing Clause. — Any law, presidential decree or issuance, executive order, letter of instruction, administrative order, rule, or regulation contrary to, or inconsistent with the provisions of this Act is hereby repealed, modified, or amended accordingly.
Sec. 27. Separability Clause. — If any provision of this Act is held invalid or unconstitutional, the other provisions not affected thereby shall remain valid and subsisting.
Sec. 28. Effectivity Clause. — This Act shall take effect fifteen (15) days following its complete publication in any newspaper of general circulation or in the Official Gazette.

Approved: February 25, 1998

Legal Forms: PETITION FOR ADOPTION OF MINOR

2010-12-24T19:49:00.000-08:00

Two friends asked me, "Can I file a petition for adoption of my child?". I said, in filing a petition for adoption, there are two major things to consider: (1) Determine first if you are eligible as adopter, (2) Reasons for adopting the child. I would post the legal requirements sometime soon. The answers are mainly answerable by the Inter-country Adoption Act and Domestic Adoption Act. In the meantime, here is a simple form for Petition of Adoption of Minor.

PETITION FOR ADOPTION OF MINOR

      COMES NOW the petitioners, by the undersigned counsel, and unto this Honorable Court, respectfully aver:

      1. That the petitioners are husband and wife, both of legal age, and residents of _____________________________;

      2. That they have no legitimate children or descendants and hereby desire to jointly adopt a minor, named __________________, who is ___ years of age, legitimate child of _________________;

      3. That the father of said minor is now dead, and only her mother, named _____________, is alive;

      4. That said mother, _________________, is not insane, nor intemperate, nor has she abandoned such minor, and with full knowledge of petitioners' intention hereby expressly gives her written consent to the adoption, as evidenced by Annex "A" hereto attached and made an integral part of this petition;

      5. That the petitioners are qualified to adopt the said minor, and will be able financially and morally, to bring up and educate said minor, properly and adequately.

      WHEREFORE, it is respectfully prayed. that upon due notice and hearing:

      (a) Judgment be entered adjudging that the minor child______________be freed from all legal obligations of obedience and maintenance with respect to her natural parents and that she be declared to all legal intents and purposes, the child of the herein petitioners, and that her surname be changed to that of the petitioners.

      City of Manila, _______________________.

Counsel for the Petitioners
Atty.________
Address__
Date__
Attorney's Roll No.___
IBP No. ____
PTR. No.____
MCLE Compliance No.___

Earning Money Online

2010-12-24T17:49:00.000-08:00

Nag-aral na ako dati about earning money online, pero di ko tinuloy. Tinamad ako. Hanggang sa mapanood ko ang video na ito sa Mel & Joey. Today, I'm learning how to blog (again). I'm reading a lot to learn about it, and I really want to make it materialize, I learned of this video from sulit.com.ph. Blogging was featured. I was amazed how a guy earns $5000 thru blogging! That's really amazing. Now I know, I need to read a lot, and it would take a lot of patience. I have just signed up my Alertpay today where I am supposed to bank my money.

Yesterday, I learned about PeopleString. It's like Facebook. Join me. Ang kaibahan lang, bawat click, bawat visit ng friends, bawat email na matanggap mo, bawat comment sayo, meron kang kikitain. Bawat friend mo na sumali sa network mo, ay magbibigay sayo ng extra income. Sign up now and start earning money.

My Neobux

At first, akala ko, mahirap, maliit ang kita. Pero hindi pala, mabilis ang kita dito. I have just started, and in my 2 days, I already have $0.08. If I earn $0.04 a day, in thirty days that would be $1.2. Haha, not bad, eh wala naman akong ginagawa, naghihntay lang ako na iclick ko yung ads. I-ttry ko career-in the future at magrefer pa ng mag-refer..

I saw this from a website:

other posts that I am interested in:

Lot for sale in installment in Daang Hari
Rent to own lots in front of Verdana and across Portofino, along daang hari: 800 lots available/lot area is 50 SQ M. No documents needed, just pay the processing fee of P20,000 which can be paid up to 8 months then you can start the construction of your own house. To rent to own the 50 sq m lot, pay only P3000 per month for 5 yrs, and the lot is yours. For more info, please call or text me at 09178531054.

Rent Control Act of 2009

2010-12-21T22:12:00.000-08:00

Sabi dito sa batas na ito, ang lessor o owner ng pinauupahang establisyamento ay pwede lamang magtaas ng hanggang 7% kada taon...

Sabi pa dito, kung sino man ang lalabag sa kautusang ito ay pagbabayarin ng P25,000 hanggang P50,000 o pagkakakulong ng isang buwan at isang araw hanggang anim na buwan or parehong pagbababayarin at ikukulong. Nyay, medyo malupit ha? Ang tanong? Paano kung hindi mo alam ang batas na ito, tapos nagtaas ka ng mahigit sa 7%, maaari ka bang kasuhan? Ang aking sagot ay depende, kung pumayag naman ang umuupa na taasan siya ng mahigit sa 7%, maaari ito. Ngunit kung bandang huli ay sabihin niyang i-rerefund niya ang kanyang binayaran na sobra sa 7%, magkakakaron ng obligasyon ang may-ari o nagpapaupa na ibalik ang sobra sa 7%.Kung ayaw niyang ibalik, maaari siyang kasuhan ng kasong civil at criminal.

___________________________________________________________________________

S. No. 1963
H. No. 6098
Republic of the Philippines
Congress of the Philippines
Metro Manila
Fourteenth Congress
Second Regular Session
Begun and held in Metro Manila, on Monday, the twenty-eight day of July, two thousand eight.
Republic Act No. 9653
AN ACT ESTABLISHING REFORMS IN THE REGULATION OF RENT OF CERTAIN RESIDENTIAL   UNITS, PROVIDING   THE   MECHANISMS   THEREFOR   AND FOR OTHER PURPOSES.
Be   it   enacted   by   the   Senate   and   House   of   Representatives   of   the   Philippines   in   Congress assembled:
SECTION 1. Short Title. – This Act shall be known and cited as the “Rent Control Act of 2009.“
SEC. 2. Declaration of Policy. – The State shall, for the common good, undertake a continuing program of encouraging the development of affordable housing for the lower income brackets and other beneficiaries.
Toward this end, the State shall continue to protect housing tenants in the lower income brackets and other beneficiaries from unreasonable rent increases.
SEC.   3. Definition   of   Terms. -   The   following   terms   as   used   in   this   Act   shall   be understood as:
(a) “Rent” shall mean the amount paid for the use or occupancy of a residential unit whether payment is made on a monthly or other basis.
(b) “Residential   unit” shall refer to an apartment, house and/or land on which another’s dwelling is located and used for residential purposes and shall include not only buildings, part or units thereof   used solely as dwelling places, boarding houses, dormitories, rooms and bedspaces offered for rent by their owners, except motels, motel rooms, hotels, hotel rooms, but also those used for home industries, retail stores or other business purposes if the owner thereof and his or her family actually live therein and use it principally for dwelling purposes.
(c) “Immediate members of family of the lessee or lessor” for purposes of repossessing the leased premises, shall be limited to his or her spouse, direct descendants or ascendants, by consanguinity or affinity.
(d) “Lessee” shall mean the person renting a residential unit.
(e) “Owner/Lessor” shall include the owner or administrator or agent of the owner of the residential unit.
(f) “Sublessor” shall mean the person who leases or rents out a residential unit leased to him by an owner.
(g) “Sublessee” shall mean the person who leases or rents out a residential unit from a sublessor.
SEC. 4. Limit on Increases in Rent. – For a period of one (1) year from its effectivity, no increase shall be imposed upon the rent of any residential unit covered by this Act: Provided, that after such period until December 31, 20l3, the rent of any residential unit covered by this Act shall not be increased by more than seven (7%) annually as long as the unit is occupied by the same lessee: Provided, further, That when the residential unit becomes vacant, the lessor may set the initial rent for the next lessee: Provided, however, That in the case of boarding houses, dormitories, rooms and bedspaces offered for rent to students, no increase in rental more than once per year shall be allowed.
SEC. 5. Coverage of this Act. – All residential units in the National Capital Region and other highly urbanized cities, the total monthly rent for each of which ranges from One peso (P1.00) to Ten thousand pesos (P10,000.00) and all residential units in all other areas, the total monthly   rent   for   each   of   which   ranges   from   One   peso   (P1.00)   to   Five   thousand   pesos (P5,000.00) as of the effectivity date of this Act shall be covered, without prejudice to existing contracts.
SEC. 6. Authority to Continue Rental Regulation. – Notwithstanding the lapse of the period provided in Section 4 of this Act, the Housing and Urban Development Coordinating Council (HUDCC) is hereby granted the authority to continue the regulation of the rental of certain residential units, to determine the period of regulation and its subsequent extensions if warranted, to determine the residential units covered and to adjust the allowable limit on rental increases per annum, taking into consideration, among others, National Statistics Office (NSO) census   on   rental   units,   prevailing   rental   rates,   the   monthly   inflation   rate   on   rentals   of   the immediately preceding year, and rental price index.
SEC. 7. Rent and Requirement of Bank Deposit. – Rent shall be paid in advance within the first five (5) days of every current month or the beginning of the lease agreement unless the contract of lease provides for a later date of payment. The lessor cannot demand more than one (1) month advance rent. Neither can he/she demand more than two (2) months deposit which shall be kept in a bank under the lessor’s account name during the entire duration of the lease agreement. Any and all interest that shall accrue therein shall be returned to the lessee at the expiration of the lease contract. In the event however, that the lessee fails to settle rent, electric, telephone, water or such other utility bills or destroys any house components and accessories, the deposits and interests therein shall be forfeited in favor of the latter in the amount commensurate to the pecuniary damage done by the former.
SEC. 8. Assignment of Lease or Subleasing. – Assignment of lease or subleasing of the whole or any portion of the residential unit, including the acceptance of boarders or bedspacers, without the written consent of the owner/lessor is prohibited.
SEC. 9. Grounds for Judicial Ejectment. – Ejectment shall be allowed on the following grounds:
(a) Assignment of lease or subleasing of residential units in whole or in part, including the acceptance of boarders or bedspacers, without the written consent of the owner/lessor;
(b) Arrears in payment of rent for a total of three (3) months: Provided, That in the case of refusal by the lessor to accept payment of the rent agreed upon, the lessee may either deposit, by way of consignation, the amount in court, or with the city or municipal treasurer, as the case may be, or barangay chairman, or in a bank in the name of and with notice to the lessor, within one (1) month after the refusal of the lessor to accept payment. The lessee shall thereafter deposit the rent within ten (10) days of every current month. Failure   to   deposit   the   rent   for   three   (3)   months   shall   constitute   a   ground   for   ejectment. The lessor, upon authority of the court in case of consignation or upon joint affidavit by him and the lessee to be submitted to the city or municipal treasurer or barangay chairman and to the bank where deposit was made, shall be allowed to withdraw the deposits;
(c) Legitimate need of the owner/lessor to repossess his or her property for his or her own use or for the use of any immediate member of his or her family as a residential unit: Provided, however, That the lease for a definite period has expired: Provided, further, that the lessor has given the lessee the formal notice three (3) months in advance of the lessor’s intention to repossess the property and: Provided, finally, that the owner/lessor is prohibited from leasing the residential unit or allowing its use by a third party for a period of at least (1) year from the time of repossession;
(d) Need of the lessor to make necessary repairs of the leased premises which is the subject of an existing order of condemnation by appropriate authorities concerned in order to make the said premises safe and habitable: Provided, That after said repair, the lessee ejected shall have the first preference to lease the same premises: Provided, however, That the new rent shall be reasonably commensurate with the expenses incurred for the repair of the said residential unit and: Provided, finally, That if the residential unit is condemned or completely demolished,
the lease of the new building will no longer be subject to the aforementioned first preference rule in this subsection; and
(e) Expiration of the period of the lease contract.
SEC. 10. Prohibition Against Ejectment by Reason of Sale or Mortgage. – No lessor or his successor-in-interest shall be entitled to eject the lessee upon the ground that the leased premises have been sold or mortgaged to a third person regardless of whether the lease or mortgage is registered or not.
SEC. 11. Rent-to-Own Scheme. – At the option of the lessor, he or she may engage the lessee in a written rent-to-own agreement that will result in the transfer of ownership of the particular dwelling in favor of the latter. Such an agreement shall be exempt from the coverage of Section 5 of this Act.
SEC. 12. Application of the Civil Code and Rules of Court of the Philippines. – Except when the lease is for a definite period, the provision of paragraph (1) of Article 1673 of the Civil Code of the Philippines, insofar as they refer to residential units covered by this Act, shall be suspended during the effectivity of this Act, but other provisions of the Civil Code and the Rules of Court on lease contracts, insofar as they are not in conflict with the provisions of this Act shall apply.
SEC. 13. Penalties. – A fine of not less than Twenty-five thousand pesos (P25,000.00) nor more than Fifty thousand pesos (P50,000.00) or imprisonment of not less than one (1) month and one (1) day to not more than six (6) months or both shall be imposed on any person, natural or juridical, found guilty of violating any provision of this Act.
SEC. 14. Information Drive. – The Department of the Interior and Local Government and the HUDCC, in coordination with other concerned agencies, are hereby mandated to conduct a continuing information drive about the provisions of this Act, which shall be translated and be made available in major regional dialects and shall be posted in conspicuous public places, including barangay halls.
SEC. 15. Review of the Rental Regulation – The HUDCC is hereby mandated to conduct every three (3) years from the effectivity of this Act a review of its implementation and a study on   rental   regulation,   and   submit   to   Congress   its   recommendation   on   whether   a   continuing regulation is still necessary or deregulation is already warranted.
SEC. 16. Program to Cushion Impact in the Event of a Regulation-Free Rental Housing Market – The   HUDCC   and   its   attached   agencies   are   hereby   mandated   to   formulate   and implement a two (2) year transition program which will provide for safety measures to cushion the impact in the event of a regulation-free housing market.
SEC.   17. Separability   Clause.   -   If   any   provision   or   part   hereof   is   held   invalid   or unconstitutional, the remainder of the law or the provision not otherwise affected shall remain valid and subsisting.
SEC. 18. Repealing Clause. – Any law, presidential decree or issuance, executive order, letter of instruction, administrative order, rule or regulation contrary to or inconsistent with the provisions of this Act is hereby repealed, modified or amended accordingly.
SEC. 19. Effectivity Clause. – This Act shall take effect beginning fifteen (15) days after its complete publication in at least two (2) newspapers of general circulation.
Approved,
PROSPERO C. NOGRALES                 JUAN PONCE ENRILE
Speaker of the House                    President of the Senate
of Representatives
This Act which is a consolidation of Senate Bill No. 3163 and House Bill No. 6098 was finally passed by the Senate and the House of Representatives on May 27, 2009 and May 26, 2009, respectively.
MARILYN B. BARUA-YAP                             EMMA LIRIO-REYES
Secretary General                                           Secretary of the Senate
House of Representatives
Approved:       JUL 14 2009
GLORIA MACAPAGAL ARROYO
President of the Republic of the Philippines