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CREDIT CARD PAYMENT PLANNER TOOL

noreply@blogger.com (Unknown) — Wed, 23 Apr 2008 09:10:00 -0700

Have you been receiving calls from agents asking you to pay up your credit card bills? We all know they would not stop unless you pay. Sometimes they even threaten non-paying clients with law suits. None of which happens anyway. So should you just run away from your debt? Nope I don' think it's a good idea. It would hurt your credit standing. You may need some money in the future but because you don't have a good standing, you cannot borrow.

The best thing to do? There's no more better thing than to sit down with your collecting agent and tell them you cannot pay the whole amount. I'm sure they'll offer you installment payments. Grab that opportunity. Don't let running away from your credit card debt hurt you.

What amount should you pay? I think the best payment is where most of your installment payment goes to the principal, otherwise, you will end up paying more interest since you are not reducing your debt.

How could you know the best scheme to pay? Any amount is okay, as long as your payment applies more to the principal.

You may want to download this excel sheet I have created to help you plan your credit card bills payment.

DOWNLOAD NOW

Screenshots:

The excel files asks for your name, credit card balance, the payment you are willing to make every month and the interest rate (monthly) your credit card company asks you.

It then tells you when you will be able to pay your credit card bill and whether your payment is optimal or not.

We take a 37,000-credit card debt for example:

By paying 3,000 per month, you will be able to pay your credit card bill in 18 months

On the other hand, if you pay only 1,500, there is no chance you could pay your total debt. You couldn't have known that. You might think that if you divide 37,000/1,500, you will be able to pay in 24 months. You should take note of the interest you are paying.

SHARE THIS EXCEL FILE TO ALL THE PEOPLE YOU KNOW WHO ARE NAILED WITH CREDIT CARD DEBTS AND EVEN TO PEOPLE PLANNING ON GETTING A CREDIT CARD TO LET THEM KNOW HOW INTERESTS OF CREDIT CARDS (HAPPENS IF YOU DON'T PAY ON TIME) COULD LEAVE THEM IN DEBT FOREVER.

YOU CAN ALSO UPLOAD THIS EXCEL FILE IN YOUR SITES. JUST GIVE US A LINK. THANKS

DOWNLOAD NOW

CREDIT CARD PAYMENT PLANNER

noreply@blogger.com (Unknown) — Sun, 20 Apr 2008 04:39:00 -0700

Everyone or almost everybody has this plastic thing that gives you the power to spend even without carrying a cash. Yes, it's no other than the credit card. Credit card are used to be a thing for the rich. But now, almost everyone can have it. Students can have it too. There are even agents calling houses offering their credit card with statements like waived annual fee, zero percent balance transfer, etc. This phenomenon has created a nation spending more than what they earn. The end scenario? credit card debt, debt and debt...

Since we are not aware what we have spent already, we tend to spend, spend and spend. Too late do we realize that we're heavily indebted already. If we cannot pay anymore? The credit card is taken away and what are we left with? credit card debts of course. Then we call the credit card company and tell we cannot pay anymore. They are generous to offer installment payments, so we decide to pay them little by little until we settle the full amount.

The question is how much should we pay for our credit card debt? The minimum payment required? It is not the optimal amount to pay. Why? Because if we pay them only minimal amount, a portion of that payment goes to interest and what remains is applied to the principal. We end up paying only for the interest of our credit card debt and our debt continues to grow. What to do? Pay the optimal amount. The amount by which most of your payment goes to paying the principal amount. It is only this way that our credit card debt is reduced little by little.

So what is the optimal amount to pay your credit card debt? The answer varies... It depends on your paying capacity. Take the following example:

Figure 1. If we don't pay the optimal amount for our credit card debt, our debt will continue to grow and we will end up paying only for the interest.

Figure 2. An example of optimal payment. We are not constrained of paying 3,000 for a 30,000-credit card debt. But this is an optimal payment since our payment covers more of the principal than the interest. By paying this way, our debt decreases little by little until we settle the full amount.

So what really is the optimal payment? Again it is in your discretion. Download this free excel file called CREDIT CARD PAYMENT PLANNER to help you decide what optimal payment is for you.

The following are the screenshots of the file.

1. With this excel file (credit card payment planner), you can set the amount of payment and see whether you are paying optimally
2. You can know how long it will take you to pay your whole debt with your set monthly payment

SHOULD YOU SAVE IN A BANK?

noreply@blogger.com (Unknown) — Sat, 19 Apr 2008 05:33:00 -0700

There are a lot of people – including me-- who are looking for ways to get rich. The good news is we can also find a number of articles, web sites and materials claiming that if you follow their steps, you are on your way to financial independence.

Although these materials present various ways of attaining financial independence, they all agree on one thing ---we must save what we earn. Some people however think that it’s the end of the story; when you save, you will get rich. Little do they know that it’s just the start of the story; a mere slice of the cake. The next thing we should concern ourselves with, is where to put the money. The most popular answer – “the bank.”

I beg to differ. Banks are not the right place to invest your excess money. I am not against banking. In fact, I have four bank accounts, but I only use it for convenience. You can have your money in ATMs as a convenient and safe way of carrying your cash. You can also have a regular bank account or checking account where you can put your money (not for investment purposes) for your daily needs and to support expenses and money that are necessary to run your business if you have one (which should be readily available when you need it).

Banks are not the right place to grow your money. The going interest rate of banks range from 1% to 3% per annum (average for Philippine Banks), while inflation rate (rate of price increase of commodities per year) range from 5% to 7% (Philippines— rate as of writing).
What does that mean? So what if inflation is higher than the interest rate? Well here’s the equation, the value of your money decreases due to inflation.

Example:
You have 100,000 to save. You chose to save it in the bank. Let’s say the inflation rate is 6% and interest rate is 3% (exclusive of 20% withholding tax).
At the end of year 1, your money in the bank has earned interest of 2,400 (100,000 x 3% = 3,000 minus 20% withholding tax)

You are glad, that without doing anything, your money has grown to 102,400. But wait, it’s not the end of the story yet. Remember inflation? Yeah, the decrease in the value of your money –so the real worth of your money after year 1 is 96,256 (102,400-6%). It’s not too long that you will lose all your hard money through inflation.

Now you must have gotten the point, you must earn an interest higher than inflation rate. If banks can give that, go for it. By the way, there are also special products that bank offer that promise high returns – ask your bank about it.

Banks are not our enemy –its inflation

Please visit the investments section of this site to know more about investment products that offer high returns that suit your needs.

DETECT A LIE THROUGH EYES

noreply@blogger.com (Unknown) — Fri, 18 Apr 2008 09:38:00 -0700

The eyes are the window to one's soul. They tell you everything. By looking into someone's eyes, you can see part of his personality. You can tell if a person is intellect through his eyes (they are attentive). But do you know that you can somehow tell if a person is telling the truth or not just by looking into his eyes? According to John Grinder and Richard Bandler, proponents of Neuro-Linguistic Program, when you think, your inner experience is expressed by your eye movements. The following are ways to tell if someone is telling the truth or not:

UP LEFT

This means that the person is visually remembering what happened; since he is remembering something, that event must have happened. You can initially tell that he is not lying.

UP RIGHT

This means that a person is visually constructing an event. Since the person is constructing an event, it can be inferred that the person is not telling the truth or partly telling lies and partly telling the truth.

SIDE LEFT

This means that a person is remembering auditory things. Specifically sound of things. If for example you ask a person what he has heard, look into his eyes. His eye movement should be sidewards and to the left if he is telling the truth because this is how the eyes look like when remembering things that were heard.

SIDE RIGHT

As you have guessed, this is how the eyes look like when constructing or fabricating spoken words.

Put this to test. Ask a person different things that you are aware of. See and observe how the eyes move in relation to telling the truth or lie.

EAT MORE WEIGH LESS

noreply@blogger.com (Unknown) — Thu, 17 Apr 2008 04:56:00 -0700

DO YOU ALWAYS FIND YOURSELF HUNGRY? THAT EVEN THOUGH YOU HAVE EATEN HALF OF WHAT'S IN THE REGRIGERATOR, YOU STILL FIND YOURSELF WANTING FOR MORE? BEFORE YOU OPEN THAT REFRIGERATOR, YOU MIGHT WANT TO READ THE FOLLOWING ARTICLE.

THE FOLLOWING ARE THE LIST OF FOODS THAT YOU CAN INCORPORATE WITH YOUR DIET SO YOU WON'T EASILY GET HUNGRY:

KEYWORD: "ABS DIET POWER"

A-Almonds and Other Nuts

Eat them with skins intact.

Superpowers: Building muscle, fighting food cravings
Secret weapons: Protein, monounsaturated fats, vitamin E, folate (in peanuts), fiber, magnesium, phosphorus
Fight against: Obesity, heart disease, muscle loss, cancer
Sidekicks: Pumpkin seeds, sunflower seeds, avocados
Impostors: Salted or smoked nuts. High sodium spikes blood pressure.

B-Beans and Other Legumes

Including soybeans, chickpeas, pinto beans, navy beans, kidney beans, lima beans.

Superpowers: Building muscle, helping burn fat, regulating digestion
Secret weapons: Fiber, protein, iron, folate
Fight against: Obesity, colon cancer, heart disease, high blood pressure
Sidekicks Lentils, peas, bean dips, hummus, edamame
Impostors: Refried beans, which are high in saturated fats; baked beans, which are high in sugar.

S-Spinach and Other Green Vegetables

Superpowers: Neutralizing free radicals (molecules that accelerate the aging process)
Secret weapons: Vitamins including A, C, and K; folate; beta-carotene; minerals including calcium and magnesium; fiber
Fight against: Cancer, heart disease, stroke, obesity, osteoporosis
Sidekicks: Cruciferous vegetables like broccoli and brussels sprouts; green, yellow, red, and orange vegetables such as asparagus, peppers, and yellow beans
Impostors: None, as long as you don't fry them or smother them in fatty cheese sauces.

D-Dairy Products

Fat-free or low-fat milk, yogurt, cheese, cottage cheese.

Superpowers: Building strong bones, firing up weight loss
Secret weapons: Calcium, vitamins A and B12, riboflavin, phosphorus, potassium
Fight against: Osteoporosis, obesity, high blood pressure, cancer
Sidekicks: None
Impostors: Whole milk, frozen yogurt

I-Instant Oatmeal

Unsweetened, unflavored.

Superpowers: Boosting energy and sex drive, reducing cholesterol, maintaining blood-sugar levels
Secret weapons: Complex carbohydrates and fiber
Fights against: Heart disease, diabetes, colon cancer, obesity
Sidekicks: High-fiber cereals like All-Bran and Fiber One
Impostors: Sugary cereals

E-Eggs

Superpowers: Building muscle, burning fat
Secret weapons: Protein, vitamins A and B12
Fight against: Obesity
Sidekicks: Egg Beaters, which have fewer calories than eggs and no fat, but just as much of the core nutrients
Impostors: None

T-Turkey and Other Lean Meats
Lean steak, chicken, fish.

Superpowers: Building muscle, improving the immune system
Secret weapons: Protein, iron, zinc, creatine (beef), omega-3 fatty acids (fish), vitamins B6 (chicken and fish) and B12, phosphorus, potassium
Fight against: Obesity, mood disorders, memory loss, heart disease
Sidekicks: Shellfish, Canadian bacon, omega-3 rich flaxseed
Impostors: Sausage, bacon, cured meats, ham, fatty cuts of steak like T-bone and rib eye

P-Peanut Butter

All-natural, sugar-free.

Superpowers: Boosting testosterone, building muscle, burning fat
Secret weapons: Protein, monounsaturated fat, vitamin E, niacin, magnesium
Fights against: Obesity, muscle loss, wrinkles, cardiovascular disease
Sidekicks: Cashew and almond butters
Impostors: Mass-produced sugary and trans fatty peanut butters

O-Olive Oil

Superpowers: Lowering cholesterol, boosting the immune system
Secret weapons: Monounsaturated fat, vitamin E
Fights against: Obesity, cancer, heart disease, high blood pressure
Sidekicks: Canola oil, peanut oil, sesame oil
Impostors: Other vegetable and hydrogenated vegetable oils, trans fatty acids, margarine

W-Whole-Grain Breads and Cereals

Superpowers: Preventing your body from storing fat
Secret weapons: Fiber, protein, thiamin, riboflavin, niacin, vitamin E, calcium, magnesium, potassium, zinc
Fight against: Obesity, cancer, high blood pressure, heart disease
Sidekicks: Brown rice, whole-wheat pretzels, whole-wheat pastas
Impostors: Processed bakery products like white bread, bagels, and doughnuts; breads labeled wheat instead of whole wheat

E-Extra-Protein (Whey) Powder

Superpowers: Building muscle, burning fat
Secret weapons: Protein, cysteine, glutathione
Fights against: Obesity
Sidekick: Ricotta cheese
Impostor: Soy protein

R-Raspberries and Other Berries

Superpowers: Protecting your heart, enhancing eyesight, improving memory, preventing cravings
Secret weapons: Antioxidants, fiber, vitamin C, tannins (cranberries)
Fight against: Heart disease, cancer, obesity
Sidekicks: Most other fruits, especially apples and grapefruit
Impostors: Sugary jellies

source:www.menshealth.com

SOUTH BEACH DIET-PHASES 2 & 3

noreply@blogger.com (Unknown) — Wed, 16 Apr 2008 06:38:00 -0700

For me, Phase 2 of the South Beach Diet is the fun part. It is in this South Beach Diet's phase that you get to introduce back to your diet, the food that you really love, only with slight modification and should be done gradually. You don't want a spike in your hunger pangs and start munching like there's no more tomorrow. In this second phase of the South Beach Diet, you will slowly introduce the food that you like. You should however take caution not to over indulge and be back to your old habit of eating too much carbohyrdates. When you messed up with the second phase of the South Beach Diet, you can go back to phase 1 where food choices are limited and from there, return again where you left off from phase 2.

Phase 3 of the South Beach diet is the maintenance stage. By now, you should have mastered the principles of South Beach diet: less bad carbs, more good carbs.

South Beach diet should be considered as part of lifestyle, instead of chore or something that you are forced to do, to be able to succeed.

SOUTH BEACH DIET-PHASE 1

noreply@blogger.com (Unknown) — Wed, 16 Apr 2008 06:22:00 -0700

This is the strictest part of the South Beach Diet But don't be misled. Just because it is the strictest and full of prohibition does not mean starvation. In fact, South Beach Diet encourages you to eat 3 regular meals per day plus additional snack.

There are only certain foods allowed during this first two weeks of the South Beach Diet phase 1. your meal should revolve around food that has no or little carbohydrates. No pasta, bread, fruits, and alcoholic beverage.

For breakfast, it is recommended that you eat eggs with 2 slices of bacon. For other days, you can have egg with ham and low fat chees (no pasta, bread, rice or any carbohydrates).

For lunch, it should be a choice of vegetables or salad with vinaigrette and olive oil as dressing. No mayo or other dressing. You can also eat it with grilled chicken, lamb or fish (not fried). No sodas or drinks with high sugar content. Fruits are no-no for the first two weeks

For dinner, vegetables or salad with vinaigrette. Have some variety, you can have tomato stuffed with tuna salad. But no mayo or dressing. Only olive or canola oil is allowed.

For snacks, a choice of skimmed milk, mozarella, yogurt, nuts, low fat cheese, peanut butter
(not fruit nor any other carbohydrates). You can have three snacks.

SOUTH BEACH DIET PRIMER

noreply@blogger.com (Unknown) — Wed, 16 Apr 2008 06:01:00 -0700

The South Beach Diet is a 3-phase weight loss program developed by Dr. Arthur Agatston, one of the leading cardiologists in the United States. His goal of helping people with heart problems led to the development of a diet that is both good for people who want to lose weight and at the same time, has good effects for the heart. South Beach diet focuses on eliminating bad carbs and replacing them with good carbs.

South Beach Diet is composed of three phases. The first phase, which is the strictest, focuses on prohibition of carbohydrates for the first two weeks. The second phase of the South Beach Diet starts to introduce back the food that the person, undergoing the diet, really loves. He emphasized that most diet programs fail because of their inability to recognize the behavior of most people undergoing diet-- craving for food that they really love. The third phase is the maintenance phase, which should be a lifestyle change. Dieters can still eat the food they love, but slightly modified.

SOUTH BEACH DIET -- LOSE WEIGHT SAFELY

noreply@blogger.com (Unknown) — Tue, 15 Apr 2008 16:52:00 -0700

I am not super fat. My BMI is normal. Somewhere around 23. By the way, for you who are not familiar with BMI, it's actually the acronym of Body Mass Index.

Body Mass Index (BMI) The most widely used measurement for obesity. The BMI
approximates body mass using a mathematical ratio of weight and height [(weight
in kg / height in meters2) or (weight in pounds / height in inches2 x 703)]. A
BMI of 30 or more is regarded by most health agencies as the threshold for
obesity. A BMI of 40 or more generally qualifies as morbid obesity. However,
note that BMI measurements in body-builders and athletes may not be accurate
determinants of obesity because the BMI does not distinguish between muscle and
fat. --taken from http://www.lapbandcanada.ca/glossary.asp

If I'm not fat, why do I want to be on a diet? Well, aside from the fact that I want to get leaner (which I think looks great), I want to be healthy. I've been eating a lot of junk that has put some toll on my body. Something which I believe will make me regret later on. I'm 22 years old and I am a chocoholic. I eat lots of sugar daily and I often order food from fastfood chains. Who would dare resist the food they offer? Those are the best tasting foods the world can ever offer. Well maybe those who have strong will can resist those food. But not me. I think that diet, as Garfield puts it is "die" with a t. I often equate it with eating green all your life.

The other day, when I was watching the television, I came upon a talk show that talks about diets. And the word south beach diet was mentioned and a brief story about it was also presented. I got intrigued by its promise that by two weeks, South Beach Diet can give you the shape you ever wanted. I tried searching the web for the word South Beach Diet and 3.5 Million articles showed up. Upon reading the first few articles, I decided that this week, I'll start on the South Beach Diet.

South Beach Diet is not about deprivation of food. It's not like other diet programs that force you not to eat. In fact, with South Beach Diet you can eat 3 regular meals and snacks. Plus, with South Beach Diet, you also get to introduce back to your diet, the food you really love. Amazing isn't it? I'm done reading the first phase (South Beach Diet by the way, has 3 phases) and I'm starting to go on this diet this week. I weigh about 70 kg. I'll update this blog after a week or two.

SKYCABLE 1 TV-ONE CABLE POLICY

noreply@blogger.com (Unknown) — Mon, 14 Apr 2008 18:34:00 -0700

I was surprised last week when I was told by my cousin that a cable guy went to our house--her room specifically-- to install what looked like a dvd player. Upon inspection, I found out it was connected to the cable wire, and an AV Jack connects to the television. I said to her that its the Skycable Digibox. I did not know that they're installing digibox to Skycable Silver Subscriber. I know all platinum Skycable users have that Skycable Digibox. I also asked her if the cable guy saw our splitter located in her room. She said she does not know because the cable guy did not ask her about the splitter in her room. Never have I thought that, it doesnt matter if you have splitter in your house (well starting last week) because it would not work anyway. The skycable digibox has some sort of a card with a sim card inserted in a slot located in front of the digibox that serves as transcriber. Without the Skycable digibox, you cannot watch anything.

I was disgusted. We have four televisions in our house that can simultaneously run with cable. Now, only one television can have the cable. I called Skycable and asked what we can do.

Here's the solution to Skycable digibox problem: To be able to have more than one cable, you have to subscribe for addiitional television (what a crap). The upfront payment you have to make are the following:

Deposit for the Skycable Digital Box : P1,500/television
For installation fee: P356/television
Monthly additional: P152/television. A whopping 2,000 per television.

We are making the Lopezes richer. I tried looking for other cable provider but their program is not that good compared with Skycable.

We are left with the following choices: staying with Skycable with one television, subscribing for additional television, and switching to other cable provider. I cannot decide right now. I don't know. It's gonna be a choice of quality but expensive cable and an affordable but not so good channel lineups.

WILLIE REVILLAME DOES NOT DESERVE WOWOWEE

noreply@blogger.com (Unknown) — Fri, 11 Apr 2008 15:46:00 -0700

I would like to clarify that this is a matter of my own opinion only. You can say anything you want. You can send me hate comments for doing this but I just don't think Willie Revillame deserves to host the program WOWOWEE.

We all know that WOWOWEE is a game show that aims to help our fellow Kababayans who are not lucky with their lives. It reaches to a lot of people; from street vendors, housemaids, housewives, OFW's, and the list goes on. So it just calls for a host who has a pure heart -- Willie Revillame doesn't have that. Take notice how he embarasses his co-hosts Mariel, Valerie, Pokwang and his crews especially when they do something wrong (like not being attentive to Willie's orders). Yeah they deserve to be reprimanded for not being attentive, but, not to be scolded or embarrased in front of National Television and there are better ways to say it nicely, not what he usually does. He even embarasses contestants that he does not like. There are more deserving hosts than Wowowee. Take Chairman Manzano as an example. I think he has a kind heart, and he is better than Willie in all aspects (just an opinion).

Don't get me wrong, I am not a fan of GMA. I even watch Wowowee daily, from Hephep Hurray to Willie of Fortune and up to Pero o Bayong. I like the program Wowowee, but not its host. Well maybe if I see Willie change, I will start to like him.

CHEAP FARE TO BORACAY

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 14:06:00 -0700

Have you ever dreamed of going to Boracay? Who doesn't? Boracay has always been one of the top tourist destinations in the Philippines. With its sugar-like sand, everybody would love to go to the beach this summer. As exciting as it may be, a lot of people are still hesitant of going to Boracay due to expensive plane tickets and sea fares. But be glad, Negros Navigation now travels to Boracay direct from Manila (Pier 2). And what's more is that the fare is very affordable, you can take the whole family and barkada with you. There's even free bus trips from Cubao Ali Mall, Baclaran and Alabang going to Pier 2.

Call Negros Navigation at (02) 244-0408

TAPA

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 13:59:00 -0700

The following recipe is taken from Entrepreneur's 45 Home-Based Business Ideas

HOW TO MAKE A TAPA

Materials Needed:
• Meat pounder
• Stainless steel bowl
• Plastic container
• Frying pan
• 1 kg. lean beef (beefsteak cut, round, or rump) sliced ¼ inch
• Salt
• Ground black pepper
• Sugar
• 2 tbsp. finely chopped garlic
• ½ tsp MSG
• 2 tbsp. distilled white vinegar
• Soy sauce
• Vegetable oil

Procedure:
• Use meat pounder to tenderize and thin out the meat
• Place the meat into the stainless steel bowl, together with salt, pepper, sugar, chopped garlic, MSG, white vinegar, and 3 to 4 tablespoons of soy sauce. Mix well
• Transfer everything to a plastic container, and let meat marinate for about 12 hours in the refrigerator. Remove and mix again
• You can opt to repack and freeze the meat for a later date. When the meat is ready to be served, fry in a hot pan, using vegetable oil. Tapa is usually eaten together with rice and egg

Tips:
The finer the quality of meat, the less tough the resulting tapa should be

SIOPAO

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 13:42:00 -0700

The following recipe is taken from Entrepreneur's 45 Home-Based Business Ideas

HOW TO MAKE A SIOPAO

Materials Needed:
• Stainless steel or plastic bowls of different sizes
• Measuring spoons and cups
• Spatula
• Rolling pin
• Cutter
• Weighing scale
• Steamer

To make 40 pieces of siopao asado in 50-60 grams, you will need:
• One kilo of all-purpose flour
• 180 grams of white sugar
• 10 grams of yeast
• 60 grams of shortening
• 10 grams of salt
• 5 grams of baking powder
For the filling, you will need:
• ½ kilo of chicken filling
• 1/3 cup brown sugar
• ¼ cup soy sauce
• Star anise

For the sauce, you will need:
• Brown sugar
• Soy Sauce
• Chopped garlic
• Cornstarch
• Chicken broth
• Water preferably drinking water, is used for the dough, filling, and sauce

Procedure:
• Start by preparing the filling. Pre-boil the chicken and shred into small pieces. In a pan, mix the chicken meat with brown sugar, soy sauce, star anise, and half a cup of water. Let the mixture stand for a few minutes , then put on the stove to simmer for 20 minutes, or until the water has dried up. Set aside to cool
• Prepare the dough while cooking the filling. Strain the flour on a clean tabletop, clear its center, and into which pour 500 grams of water. Dissolve salt and white sugar in water, then add yeast
• Making sure that your hands are clean, knead the dough manually, or use a mixer if you have one. Knead and pound the dough for 20 minutes using the heel of your palm, applying strong pressure. Once you can form dough balls consistently, add the baking powder. Knead the dough continuously until its surface becomes fine and smooth. Add the shortening. To know if the is ready, cut a piece and make a dent in the middle. The dough is ready if it springs back. Remember, the dough has to be white, elastic and very fine
• To make siopao, cut the dough into 30 or 60-gram pieces. Shape them into small round balls, then flatten them to give space for the fillings. Put a tablespoon of the asado filling into each ball. Seal the dough by holding on to the edges and twisting them with your fingers. Put a small piece of bond paper (about 2 x 2 inches) at the bottom then arrange the dough in baking trays. Don’t expose the dough in open air to keep its surface from drying out
• Put the dough in the refrigerator for 40 minutes for what is called the final proofing – the process that would make the dough rise to prevent it from breaking and wrinkling after it’s cooked
• When the dough has expanded, arrange them in a steamer, putting a space of an inch between each piece. Cover the dough with either clear plastic or a piece of cloth to prevent water from dripping and leaving waterwarks on the dough’s surface. Make sure there’s boiling water in the steamer before you put the dough for steaming. Let the dough steam for 25 minutes. Refrain from lifting the pan’s lid often
• You can prepare the sauce while waiting for the dough to cook. Start by pre-mixing cornstarch (1/4 cup plus one tablespoon) with the chicken broth (1/2 cup, preferably from boiling chicken meat for the asado filling), then dissolve the brown sugar (1/3 cup) in water (1 cup). In a pan, pour all the ingredients: ½ cup of water, 1/3 cup of brown sugar, ¼ cup of soy sauce, and 3 cloves of chopped garlic. Put over a stove on medium heat, continuously stirring the mixture until it boils
• Wait for the mixture to thicken before adding the cornstarch mix. Continue stirring the sauce in low fire until the color turns from light brown to black. Remove from fire and let cool before apportioning into small ice candy plastic bags. About a tablespoon will do to flavor a piece of siopao

Tips:
Experiment with fillings. Try corned beef, adobo, and menudo fillings
Buy only clean, fresh ingredients. Ingredients can affect the taste and appearance of your finished product. Use purified water if possible

PEANUT BRITTLE

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 12:57:00 -0700

The following recipe is taken from Entrepreneur's 45 Home-Based Business Ideas

HOW TO MAKE A PEANUT BRITTLE

Materials Needed:
• 1 cup water
• 2 cups granulated sugar
• 2 cups shelled roasted peanuts
• 1 cup light corn syrup
• ½ cup peanut butter
• ¼ stick butter
• 1 tsp salt
• ¼ tsp baking soda
• Baking sheet
• Aluminum foil
• Spatula
• Containers

Procedure:
• Prepare a baking sheet by lining it with aluminium foil spraying the foil with non-stick cooking spray
• Combine the sugar and water in a medium saucepan. Stir until the sugar is entirely moistened, then add the corn syrup and salt
• Cook the candy over medium-high heat. At this point, add the peanuts and stir to combine. Continue to cook until the mixture is vigorously boiling
• Remove the pan from the heat and stir in the butter, baking soda, and peanut butter. Mix well until well-combined and then pur onto the prepared pan
• Spread the candy as thin as possible with a spatula or spoon and cool it to dry at room temperature. Once it is entirely cool, break into small pieces to serve. This yields 10 servings
• Store the brittle in an airtight container or plastic bag at room temperature

Tip:
Stretch the candy as thin as possible to make a thinner brittle that’s easier to eat. Don’t forget, it takes less than a minute for the mixture to cool, so work fast

PEANUT BUTTER

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 12:37:00 -0700

The following recipe is taken from Entrepreneur's 45 Home-Based Business Ideas

HOW TO MAKE A PEANUT BUTTER

Materials Needed:
• 1 Kilo roasted peanuts, shelled
• 1 1/2 cup sugar
• 1 1/2 tbsp salt
• 1 cup cooking oil
• Food Blender

Procedure
• Remove the red skin from the peanuts
• If you want chunky peanut butter, put the peanuts in a food processor or grinder and run the chopped mixture through three or more times until it is the consistency that you like. For creamy style peanut butter, chop up the peanuts in a blender
• Add about one or two tablespoons of cooking oil

TIP:
Homemade peanut butter spoils easily, so be sure to store it in an airtight container and keep it refrigerated

WELCOME TO ASENSO PINOY

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 11:59:00 -0700

Thank You for visiting asenso-pinoy.blogspot.com!!! This blog is created to help people, specially Filipinos with money matters, doing business and a lot more. "Kami ang inyong gabay tungo sa pag-asenso." You will also find different sorts of information in this Asenso-Pinoy's blog. Since we believe that health is wealth, we also have included bits of information about health and general wellness. Asenso Pinoy collects articles from the web, books, magazines and informational media and a lot more and also forms an opinion on different subject matter. Asenso Pinoy hopes that you find the articles here helpful. If you find this site informative, don't forget to subscribe and tell your friends about this site.

Thank you and a have a good day!!!

GET PAID TO BLOG

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 11:23:00 -0700

Are you looking for ways to increase your meager earnings with your adsense? Upon browsing the net, I found the following Get Paid to Blog sites. Visit their sites for more info:

1. BlogDistributor - For US and Canada Residents Only

You already like blogging. Now you can get paid for it! We want your honest opinions on the products and services of our clients and we are willing to pay you for them.

2. Contextual-Styl e

Blog publishers can earn cash by placing links on there website. We send all jobs through e-mail and you must respond through e-mail. All payments are sent by Paypal, and we make payments as soon as we review the link placement just to verify its relative, and not duplicated from any other website such as content, and etc.

3. SnapBomb

You are a blogger. You write to hundreds or even thousands of readers that come to your blog for your insights. You have written about products, events, companies, and your interests and you have not seen a dime for all the sales you have generated for companies. Wouldn’t it be nice to get paid for your efforts? Well, now you can. With Snapbomb advertisers will pay you for your opinion. Find an opportunity, post a blog, and earn money right away. Make hundreds or thousands of dollars each month doing something that you love.

SEARCH ENGINE OPTIMIZATION

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 11:07:00 -0700

I am not an expert when it comes to Search Engine Optimzation. By the way, I am new with blogging and I am not knowledgeable when it comes to search Engine Optimization. I have been looking over the web to find tips about search engine optimization and landed on pages that at first sight, seem helpful, but after reading for a while, they offer nothing. They have one purpose, to optimize their sites. For us to glorify their asses. (Sorry for the word). We just visited their site which is equivalent to an increase in their page rankings. Where have we ended up? Nowhere...
So I decided not to look for help anymore. I will try everything in my capacity to learn to optimize my site without their help. I am starting from scratch. Maybe if I succeed in this feat, I will be able to share to you concrete ways to optimize your site. Search Engine Optimization is one of my quests from now on. And I believe I will succeed. I will optimize my site

COOPERATIVE

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 10:31:00 -0700

A cooperative is a duly registered association of persons, with a common bond of interest, who have voluntarily joined together to achieve a lawful common social or economic end, making equitable to contributions to the capital required and accepting a fair share of the risks and benefits of the undertaking in accordance with university accepted cooperative principles.
By forming a cooperative, you pool your money, human resources and talent to build capital, and work together to produce more goods and raise incomes. Through cooperatives, you can lok for the other sources of loans at low interest instead of borrowing from informal lenders or usurers.

DTI-BTRCP Registration - It is necessary to register your business with the Department of Trade and Industry (DTI) and the Bureau of Trade Regulation and Consumer Protection (BTRCP) because you will gain the exclusive right to establish and use your business name. It also offers protection from those could take advantage of your name. These government agencies see to it that there is no duplication in the use of names.

Kinds of Cooperatives:

1. Credit Cooperative - promotes thrift and savings among its members and creates funds in order to grant loans for productive and provident purposes.

2. Consumer Cooperative - the primary purpose is to procure and distribute commodities to members and non-members.

3. Producers Cooperative - undertakes joint productions whether agricultural or industrial.

4. Marketing Cooperative - engages in the supply of production inputs to members, and markets their products.

5. Service Cooperative - engages in medical and dental care, hospitalization, transportation, insurance, housing, labor, electric light and power, communication and other services.

6. Multi-Purpose Cooperative - combines two (2) or more of the business activities of these different types of cooperatives.

Registering with the Cooperative Development Authority (CDA)

- All cooperatives are required to register with the CDA as per Republic Act 6938/6939.
Register at:

Cooperative Development Authority
6/F Benlor Bldg., 1184 Quezon Ave., Quezon City
Tel. No.: 373-6896

Steps:
1. Submit four copies of the Articles of Cooperation
2. Submit four copies of the By-Laws
3. Submit four copies of the Economic Survey (feasibility study)
4. Submit Bond Accountable Officers (Fidelity, Cash, or Surety)
5. Capitalization not lower than P2,000 (depending on the activities registered)
6. Minimum of 15 members

source:www.tlrc.gov.ph

CORPORATION

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 10:23:00 -0700

A corparation is a form of business where it is considered as a legal entity. It has a maximum life of 50 years and is renewable thereafter. For a corporation to be listed in Philippine stock exchange, it must satisfy the guidelines set forth by the Philippine Stock Exchange. Corprations are subject to 35%. For more info about taxation of corporation, please visit http://www.bir.gov.ph/.

The steps of registering a partnership are:

1. DTI-BTRCP Registration - It is necessary to register your business with the Department of Trade and Industry (DTI) and the Bureau of Trade Regulation and Consumer Protection (BTRCP) because you will gain the exclusive right to establish and use your business name. It also offers protection from those could take advantage of your name. These government agencies see to it that there is no duplication in the use of names.

2. SECURITIES and EXCHANGE COMMISSION (SEC) REGISTRATION - The SEC is the government agency that gives the business enterprise its legal personality.

3. Barangay Clearance - The Local Government Code requires all local businesses to register at the barangay level. This is easy to do and a minimal fee is required.

4. Registration with the Local Government - Permits and licenses required to ensure that standards are met and that businesses comply with the specific requirements of the business locale.

Business Permit and License
Locational Clearance
Barangay Micro Business Enterprise

5. B.I.R. Registration - The Bureau of Internal Revenue (BIR) will furnish your business with its own tax identification number and the authority to print receipts, invoices, etc.

6. SSS Registration - The Social Security System offers your employees many benefits. It also benefits you, as employer, in cases of employees' disability or death.

7. DOLE Registration - Registering with the Department of Labor and Employment (DOLE) is required for businesses with 5 or more workers.

8. PHILHEALTH - Securing membership in the government health care benefits system.

9. Manila Electric Co. (MERALCO) - Securing electric services connection for business in MERALCO franchise area; local electric utility firms for companies locating in non-MERALCO franchise area.

10. Maynilad Water Company and/or Manila Water Company for firms locating in Metro Manila and Local Water Utilities Administration (LWUA) for firms locating outside Metro Manila - Securing Water services.

11. Philippine Long Distance Telephone Co. (PLDT), Bayantel, Digitel, Smart and Globelines - Securing Telephone services connection.

12. Registration with other offices - You may be required to register with other agencies of government, depending on your type of business. Some examples are the Bureau of Food and Drug, Garment and Textile Board, Department of Tourism, Philippine National Police.

source:www.tlrc.gov.ph

SPECIAL PERMITS

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 09:40:00 -0700

Depending on the types of products they manufacture or handle and on their market orientation, certain firms are required by law to register with other government agencies:

Bureau of Animal Industry
For exporters of animals and animal products

Bureau of Customs (BC)
Registration for operation of Customs Bonded Manufacturing Warehouse (CBMW)

Bureau of Agriculture and Fisheries Product Standards
Standard of quality in processing, preservation, packages, labeling, importation, exportation, distribution and advertising of agriculture and fisheries products.

Bureau of Food and Drugs (BFAD)
Clearance for projects which involve food, chemicals and others

Bureau of Product Standards (BPS)
Philppine Standard (PS) Quality Mark to ensure that locally manufactured comsumer products conform to Philppine standards

Department of Environment and National Resources (DENR)
Permit to construct/operate pollution control devices

Department of National Defense (DND) / Philippine National Police (PNP)
License/clearance for defense-related projects

Department of Health (DOH)
Clearance for health-related projects

Department of Science and Technology (DOST)
Registration of advanced technology

Department of Tourism (DOT)
Registration of tourism projects

Department of Transportation and Communication (DOTC)
For messengerial and courier services

Garment & Textile Export Board (GTEB)
Clearance for garment exporters/quota allocation

Housing & Land Use Regulatory Board (HLURB)

National Housing Authority (NHA)

Department of Agrarian Reform (DAR)
Projects involving land use/conversion

Intellectual Property Office (IPO)
Trademarks/patents registration

Land Transportation, Franchising and Regulatory Board (LTFRB)
Franchise for mass transit operation

LTO Franchising and Regulatory Board
For those engaged in Rent-A-Car and transport services

Mines and Geosciences Bureau
Acquiring mining rights

National Food Authority - Regulatory Division (NFARD)
Registration of rice, corn and flour dealers

National Power Corporation (NAPOCOR)
Registration of power generation projects

National Telecommunication Office (NTC)
Telecommunication projects

National Tobacco Administration (NTA)
For those engaged in the production or export of flue-cured Virginia type tobacco, Burley tobacco, and Turkish/Oriental tobacco products.

Philippine Overseas and Employment Agency (POEA)
For those engaged in Manning and Crewing services

source:www.tlrc.gov.ph

PARTNERSHIP

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 09:24:00 -0700

A partnership is a type of business where two or more individuals agree to form a business combining their agreed upon contribution. It can be a partnership in trade or general professional partnership, where, professionals agree to form a partnership. There are also different rates of taxation as to what kind of partnership is formed. For more info about taxation of partnership, please visit www.bir.gov.ph.

The liabilities of the partners in case of bankruptcy may extend up to their personal properties as what may have been agreed upon.

The steps of registering a partnership are:

1. DTI-BTRCP Registration - It is necessary to register your business with the Department of Trade and Industry (DTI) and the Bureau of Trade Regulation and Consumer Protection (BTRCP) because you will gain the exclusive right to establish and use your business name. It also offers protection from those could take advantage of your name. These government agencies see to it that there is no duplication in the use of names.

2. SECURITIES and EXCHANGE COMMISSION (SEC) REGISTRATION - The SEC is the government agency that gives the business enterprise its legal personality.

3. Barangay Clearance - The Local Government Code requires all local businesses to register at the barangay level. This is easy to do and a minimal fee is required.

4. Registration with the Local Government - Permits and licenses required to ensure that standards are met and that businesses comply with the specific requirements of the business locale.

Business Permit and License
Locational Clearance
Barangay Micro Business Enterprise

5. B.I.R. Registration - The Bureau of Internal Revenue (BIR) will furnish your business with its own tax identification number and the authority to print receipts, invoices, etc.

6. SSS Registration - The Social Security System offers your employees many benefits. It also benefits you, as employer, in cases of employees' disability or death.

7. DOLE Registration - Registering with the Department of Labor and Employment (DOLE) is required for businesses with 5 or more workers.

8. PHILHEALTH - Securing membership in the government health care benefits system.

9. Manila Electric Co. (MERALCO) - Securing electric services connection for business in MERALCO franchise area; local electric utility firms for companies locating in non-MERALCO franchise area.

10. Maynilad Water Company and/or Manila Water Company for firms locating in Metro Manila and Local Water Utilities Administration (LWUA) for firms locating outside Metro Manila - Securing Water services.

11. Philippine Long Distance Telephone Co. (PLDT), Bayantel, Digitel, Smart and Globelines - Securing Telephone services connection.

12. Registration with other offices - You may be required to register with other agencies of government, depending on your type of business. Some examples are the Bureau of Food and Drug, Garment and Textile Board, Department of Tourism, Philippine National Police.

source:www.tlrc.gov.ph

STARTING A SOLE PROPRIETORSHIP

noreply@blogger.com (Unknown) — Fri, 4 Apr 2008 09:06:00 -0700

A sole proprietorship is the most common type of business. It is formed by an individual, where the manager is usually the owner.

If you want to startup a sole prorietorship, follow the following steps:

1. DTI-BTRCP Registration - It is necessary to register your business with the Department of Trade and Industry (DTI) and the Bureau of Trade Regulation and Consumer Protection (BTRCP) because you will gain the exclusive right to establish and use your business name. It also offers protection from those could take advantage of your name. These government agencies see to it that there is no duplication in the use of names.

2. Barangay Clearance - The Local Government Code requires all local businesses to register at the barangay level. This is easy to do and a minimal fee is required.

3. Registration with the Local Government - Permits and licenses required to ensure that standards are met and that businesses comply with the specific requirements of the business locale.

Business Permit and License
Locational Clearance
Barangay Micro Business Enterprise

4. B.I.R. Registration - The Bureau of Internal Revenue (BIR) will furnish your business with its own tax identification number and the authority to print receipts, invoices, etc.

5. SSS Registration - The Social Security System offers your employees many benefits. It also benefits you, as employer, in cases of employees' disability or death.

6. DOLE Registration - Registering with the Department of Labor and Employment (DOLE) is required for businesses with 5 or more workers.

7. PHILHEALTH - Securing membership in the government health care benefits system.

8. Manila Electric Co. (MERALCO) - Securing electric services connection for business in MERALCO franchise area; local electric utility firms for companies locating in non-MERALCO franchise area.

9. Maynilad Water Company and/or Manila Water Company for firms locating in Metro Manila and Local Water Utilities Administration (LWUA) for firms locating outside Metro Manila - Securing Water services.

10. Philippine Long Distance Telephone Co. (PLDT), Bayantel, Digitel, Smart and Globelines - Securing Telephone services connection.

11. Registration with other offices - You may be required to register with other agencies of government, depending on your type of business. Some examples are the Bureau of Food and Drug, Garment and Textile Board, Department of Tourism, Philippine National Police.

source:www.tlrc.gov.ph

THIS IS REGARDING THE ISSUE OVER AT PINOYMONEYTALK'S SITE

noreply@blogger.com (Unknown) — Sun, 30 Mar 2008 13:37:00 -0700

THIS IS REGARDING THE CONTROVERSY ABOUT THE $4,500-SCREENSHOT OF GOOGLE ADSENSE EARNINGS OVER AT PINOY MONEY TALK WEBSITE.

PLEASE READ ON AND SEE HOW I DID IT.

AS YOU CAN SEE I ONLY HAVE TWO LISTENERS AS OF THE MOMENT. I AM LIKE YOU! LOOKING FOR WAYS TO MAXIMIZE MY EARNINGS. BUT HOW COULD HAVE I EARNED 10,000 DOLLARS IN JUST A SINGLE WEEK?

HERE I THINK IS MY ANSWER FOR THE COTROVERSY AT PINOY MONEY TALK REGARDING THE ADSENSE EARNINGS OF $4,500 JUST FOR ONE DAY

OH WAIT, I NEED TO ATTEND TO SOMETHING IMPORTANT. I'LL ANSWER THE QUESTION IN MY NEXT POST. BE SURE TO SUBSCRIBE SO THAT YOU WILL NOT MISS IT.

SORRY THAT MY PAGE IS NOT COMPLETE YET AS THIS IS ONE OF MY NEWEST BLOGSPOT SITES. IN THE NEXT FEW DAYS, EXPECT TO FIND TONS AND TONS OF INFORMATION HERE. THANKS ONCE AGAIN. PLEASE DON'T FORGET TO SUBSCRIBE SO YOU WILL NOT MISS THE NEXT POST. THANKS