tag:blogger.com,1999:blog-1270768724966696082009-03-01T17:12:16.883-08:00my first millionBe with me as I journey through the intricacies of financial and wealth management and as I record a million pesos under my name.
Thank you for supporting my blog and I hope you learn something or two in here.An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.comBlogger47125tag:blogger.com,1999:blog-127076872496669608.post-88401184845436784222009-02-10T19:33:00.000-08:002009-02-10T20:05:44.903-08:002009-02-10T20:05:44.903-08:00Update: BPI Trade account<!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_PublisherID = 19496 ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /><script type="text/javascript"><br />var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www.");<br />document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));<br /></script><br /><script type="text/javascript"><br />try {<br />var pageTracker = _gat._getTracker("UA-7350063-1");<br />pageTracker._trackPageview();<br />} catch(err) {}</script><br />Yesterday, I received an email that my BPI Trade account has been activated - a day after I received an email confirming that the bank has received the documents which my <a href="http://myfirstmillionpesos.blogspot.com/2009/02/myfirstmillion.html">Branch</a> transmitted to them. (I should go and thank sir Vic again). Not bad - 10 days processing.<br /><br />While waiting for my BPI Trade account to be enrolled in my existing BPI expressonline accounts (which will make funding the trade account much convenient), I will familiarize myself with the BPI Trade platform. Really, I can not wait. I even can trade in mutual funds and fixed income through the platform. Yay! So excited.<br /><br />Here is a screen capture of my account.<br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_J0ItlVNMuDA/SZJMaFP8hVI/AAAAAAAAAL0/aKoFz9PfraM/s1600-h/BPI+Trade+Platform.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 420px; height: 162px;" src="http://1.bp.blogspot.com/_J0ItlVNMuDA/SZJMaFP8hVI/AAAAAAAAAL0/aKoFz9PfraM/s400/BPI+Trade+Platform.JPG" alt="" id="BLOGGER_PHOTO_ID_5301383722337862994" border="0" /></a><br /><br />Below is an excerpt of the email.<br /><!-- Begin BidVertiser code --><br /><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><br /><span style="font-weight: bold;">The excerpt:</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >Greetings from BPITrade!</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >Welcome to BPITrade. You can now Sign-In to <a target="_blank" href="http://www.bpitrade.com/"><span class="yshortcuts" id="lw_1234323429_0">www.bpitrade.com</span></a> using your nominated user ID and password.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >Your BPITrade Bank Account is now ready to receive your initial investment. Please deposit your initial investment to the BPITrade Bank Account that we have opened in your name. To view your BPITrade <span class="yshortcuts" id="lw_1234323429_1">Bank Account Number</span>, please logon and go to the "Portfolio" screen.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >IMPORTANT: Please note that your initial investment will be the funds that you will use to purchase stocks,fixed income instruments, and mutual funds and DOES NOT represent a balance requirement. The monthly average daily balance (ADB) requirement for your BPITrade Bank Account is Php 500.00 to avoid the Php 150.00 <span style="background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1234323429_2">standard service charge</span>. This ADB requirement takes into account only the funds that are in your BPITrade Bank Account and excludes the funds that you have invested in Stocks, Government Securities and Mutual Funds. Funds in your BPITrade Bank Account earn 1.75% <span style="background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1234323429_3">interest per annum</span>. Deposits made to your BPITrade <span style="border-bottom: 1px dashed rgb(0, 102, 204); background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1234323429_4">Bank account</span> shall be reflected in your Cash Position in BPITrade the NEXT trading day.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >There are four (4) ways to fund your BPITrade Bank Account.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" > > Through the Branch : Go to any BPI Branch and make an Over-the-Counter deposit straight to your BPITrade Bank Account Number. </span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >> Through BPI Expressphone or the ATM : You can transfer funds into your BPITrade Bank Account from any of your BPI <span class="yshortcuts" id="lw_1234323429_5">Deposit Accounts</span> or BPI-Family <span style="background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1234323429_6">Bank Deposit Accounts</span> through these facilities. Enroll your BPI Trade Bank Account by calling 89-100 or visiting your branch of account.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >> Through <a target="_blank" href="http://www.bpiexpressonline.com/"><span class="yshortcuts" id="lw_1234323429_7">www.bpiexpressonline.com</span></a> : Enroll your BPITrade Bank Account in BPI Express Online and transfer funds from your other BPI, BPI Family Bank or BPI <span style="background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1234323429_8">Direct deposit accounts</span>. Click on My Portfolio and Enroll your BPI Trade Bank Account as an Additional Savings Account. If you are not yet a BPI Express Online client, please go to the website and enroll now.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >> Through <span style="border-bottom: 1px dashed rgb(0, 102, 204); background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1234323429_9">Telegraphic Transfer</span> from your bank, or through any BPI Express Remittance Center located outside of the Philippines ( BPI SWIFT Address for <span style="border-bottom: 1px dashed rgb(0, 102, 204); background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1234323429_10">Telegraphic Transfers</span> : BOPIPHMM) .</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >To take funds OUT from your BPITrade Bank Account, you would simply need to log-in to BPITrade, go to our Services Menu and fill-up our Withdrawal Request Form. We will then transfer the funds within the same day to your regular BPI/BFB Deposit Account which you nominated as your Beneficiary Account upon Application . Cut-off for this withdrawal request is 11:00am (Philippine time, GMT +8).</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >If you would like to deposit <span style="background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1234323429_11">stock certificates</span> or transfer your existing stock position from another broker, please send us an e-mail at <span style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1234323429_12">bpitrade@bpi.com.ph</span> and we shall gladly send you instructions on how to do so.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >Should you have any further queries, comments, or suggestions, please feel free to get in touch with us through the aforementioned e-mail address.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >Thank you for choosing BPITrade.</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >Very truly yours,</span><br /><br /><span style=";font-family:Times New Roman;font-size:100%;" >Maleen S. Feliciano</span><br /><span style=";font-family:Times New Roman;font-size:100%;" >BPI Trade Online Team</span><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><span style="font-weight: bold; font-style: italic;">[Image via BPI Trade]</span><map name="bdv_RSS_Ad_265958811" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=265958811&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=265958811&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=265958811&rssimage=1" border="0" usemap="#bdv_RSS_Ad_265958811" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-83896151378382714762009-02-10T19:19:00.000-08:002009-02-10T19:31:13.441-08:002009-02-10T19:31:13.441-08:00Go Green, Live Rich<!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_PublisherID = 19496 ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /><script type="text/javascript"><br />var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www.");<br />document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));<br /></script><br /><script type="text/javascript"><br />try {<br />var pageTracker = _gat._getTracker("UA-7350063-1");<br />pageTracker._trackPageview();<br />} catch(err) {}</script><br /><object type="application/x-shockwave-flash" data="http://bigcontact.com/feed-player/gogreen/r:1;t:4064" width="480" height="450"> <param name="quality" value="best"> <param name="wmode" value="window"><param name="allowScriptAccess" value="always"> <param name="allowFullScreen" value="true"><param name="movie" value="http://bigcontact.com/feed-player/gogreen/r:1;t:4064"></object><br /><!-- Begin BidVertiser code --><br /><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><br />David Bach of the Go Green, Live Rich phenomenon at the Larry King Live.<br /><ul><li> <h2><a href="http://finishrich.com/books/go_green.php">About <em>Go Green, Live Rich</em></a></h2> <p>So many of us are concerned about global warming and the future of our planet, but we also tend to think that living a more eco-friendly lifestyle is complicated and expensive - a luxury we might not be able to afford. What most people don't know is that the exact opposite is true! Not only can you save money by "going green", but you can also prosper by taking advantage of the new "green wave" in investing. In <em>Go Green, Live Rich</em>, David Bach takes you by the hand and shows you how to do just that. Let David Bach show you a whole new way to prosper - by going green! </p> </li></ul><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><map name="bdv_RSS_Ad_49478139" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=49478139&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=49478139&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=49478139&rssimage=1" border="0" usemap="#bdv_RSS_Ad_49478139" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-46233904397665033302009-02-10T10:34:00.000-08:002009-02-10T19:06:34.848-08:002009-02-10T19:06:34.848-08:00Read a Book, Enrich Yourself<!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_PublisherID = 19496 ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /><script type="text/javascript"><br />var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www.");<br />document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));<br /></script><br /><script type="text/javascript"><br />try {<br />var pageTracker = _gat._getTracker("UA-7350063-1");<br />pageTracker._trackPageview();<br />} catch(err) {}</script><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.cfainstitute.org/utility/home/navutility/images/header/home_logo.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 175px; height: 124px;" src="http://www.cfainstitute.org/utility/home/navutility/images/header/home_logo.gif" alt="" border="0" /></a>As I said <a href="http://myfirstmillionpesos.blogspot.com/2009/02/free-seminar-beacon-of-hope-for.html">before</a>, accumulating knowledge on investments and wealth management is as important as the investment process itself. I know this for a fact. I would not be able to trade stocks and other financial instruments without the know-how on when to buy and sell.<br />Hence, I have committed myself to master finance. I am sitting for the Chartered Financial Analyst Level 3 exam this June. After which, I earn the right to use the CFA designation (after the satisfactory evaluation of relevant 4-year experience. <a href="http://www.cfainstitute.org/index.html">CFA</a> is gold standard in the finance profession.<br /><!-- Begin BidVertiser code --><br /><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><br />Aside from the 4-year relevant experience requirement, a candidate needs to pass three exams: Level 1, Level 2 and Level 3. This June I am taking the last Level. Sure, the exams are very difficult, but a candidate can take the exams as many as necessary [until he or she passes]. One must strive to pass at the first take - the exam fee can go as high as US $1,000.<br />For those who are not interested in the Charter, a commitment to read a business book every month is enough. To help you get started, here is a link to a <a href="http://rapidshare.com/files/196476871/Confessions_of_an_Economic_Hitman.pdf">FREE book</a> I have found on the Net. The book is John Perkins' Confessions of an Economic Hitman.<br />A new investment and business theory, concept and idea you get from a book is worth the time spent reading it. For to grow, you have to learn.<br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><span style="font-weight: bold; font-style: italic;">[Image from CFA]</span><map name="bdv_RSS_Ad_138887115" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=138887115&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=138887115&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=138887115&rssimage=1" border="0" usemap="#bdv_RSS_Ad_138887115" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-70385120775160758072009-02-07T03:05:00.000-08:002009-02-07T04:19:32.636-08:002009-02-07T04:19:32.636-08:00Is it time to buy?<!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_PublisherID = 19496 ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /><script type="text/javascript"><br />var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www.");<br />document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));<br /></script><br /><script type="text/javascript"><br />try {<br />var pageTracker = _gat._getTracker("UA-7350063-1");<br />pageTracker._trackPageview();<br />} catch(err) {}</script><br /><span style="font-family:verdana;">As my friends and I usually say when we trade stocks especially when buying, we say 'It's shopping time!' Now, is it 'shopping time?'<br /><br /><span style="font-weight: bold;">A resounding YES! Let me explain why it is time to buy stocks NOW. I will show you WHY by using illustrations from the Philippine Stock Exchange.</span><br /></span><span style="font-family:verdana;"><br />Miko Sayo said, when he talked about stocks in one of my MBA classes, that generally The Philippine stock market shows a cycle of boom-bust in 10 years. He said this in the early 2006 AND he said that time that 2007 will be a bull market in the Philippine stock market - looking back, he was right.<br /></span><br /><!-- Begin BidVertiser code --><br /><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><br /><span style="font-family:verdana;">Shown below is the Philippine Stock Exchange's index (PSEi) from 1996 - 2008. It is an interesting study of a typical stock market volatility.<br /></span><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_J0ItlVNMuDA/SY14q9m2eiI/AAAAAAAAALQ/v0iWgSnptgQ/s1600-h/PSEi.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 464px; height: 289px;" src="http://1.bp.blogspot.com/_J0ItlVNMuDA/SY14q9m2eiI/AAAAAAAAALQ/v0iWgSnptgQ/s400/PSEi.jpg" alt="" id="BLOGGER_PHOTO_ID_5300025015972297250" border="0" /></a><br /><span style="font-family:verdana;">The above graph shows that stock investments are best be done with long term in mind. If an investors want to trade through the stock securities volatilities, then an active portfolio management and perhaps, complicated trading processes, are NECESSARY. But for average investors like me, long term is the way to go.<br /><br />Now, let's take for example the stocks of Philippine Long Distance Company (PSE: TEL). A year ago, it traded at P3,000, now it is trading at P2,200 AND four months ago, it even traded as low as P1,850! A decline of almost P1,200 in the stock's value!<br /><br />Once my <a href="http://myfirstmillionpesos.blogspot.com/2009/02/myfirstmillion.html">BPI Trade account</a> is activated, I am buying TEL and so much more.<br /><br />Folks, it is shopping time!<br /></span><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><span style="font-weight: bold; font-style: italic;">[PSEi image from http://finance.yahoo.com/]</span><map name="bdv_RSS_Ad_89110347" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=89110347&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=89110347&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=89110347&rssimage=1" border="0" usemap="#bdv_RSS_Ad_89110347" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-33233331013541651142009-02-06T02:51:00.000-08:002009-02-06T03:52:42.188-08:002009-02-06T03:52:42.188-08:00rent versus rent-to-own<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_J0ItlVNMuDA/SYwY2rgCftI/AAAAAAAAAKo/LDMNerxsirc/s1600-h/cartoon_house.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 268px; height: 270px;" src="http://3.bp.blogspot.com/_J0ItlVNMuDA/SYwY2rgCftI/AAAAAAAAAKo/LDMNerxsirc/s400/cartoon_house.jpg" alt="" id="BLOGGER_PHOTO_ID_5299638189177339602" border="0" /></a><span style="font-size:78%;"><br /></span><!-- Kontera ContentLink(TM);--><span style="font-size:78%;"><br /><br /><br /><br /><br /></span><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_PublisherID = 19496 ;<br /></script><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><!-- Kontera ContentLink(TM) --><script type="text/javascript"><br />var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www.");<br />document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));<br /></script><script type="text/javascript"><br />try {<br />var pageTracker = _gat._getTracker("UA-7350063-1");<br />pageTracker._trackPageview();<br />} catch(err) {}</script><br /><span style="color: rgb(0, 102, 0);font-family:trebuchet ms;" ></span><div style="text-align: center;"><blockquote><span style="color: rgb(0, 102, 0);font-family:trebuchet ms;" >If you want to be a millionaire, every activity that involves money, no matter how little, is important.<br /></span><span style="color: rgb(0, 102, 0);font-family:trebuchet ms;" ></span></blockquote></div><span style="color: rgb(0, 102, 0);font-family:trebuchet ms;" >The topic today is what most of us do want to avoid every end of the month - house rent!<br /><br />Are you tired of paying your monthly rent?<br />Are you tired of feeling cheated out of thousands of PESOS each month?<br />Would you rather have that money for you rent to go into the monthly amortization of a place you can call your own, but you think you can not produce the required down payment for a house or condo OR you can not afford to wait for 2 years before you can live in that house or condo?<br /><br /><span style="font-style: italic; font-weight: bold;">Well, I do.<br /><br /></span>See, I am paying P7,000 for house rent each month. That's P84,000 a year AND P840,000 in ten years! That's a lot of money considering that I want to be a millionaire. So what can a girl do?<br /></span><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><br /><span style="color: rgb(0, 102, 0);font-family:trebuchet ms;" >Actually, there are two options and I will discuss here the advantages and disadvantages of each options.<br /></span><ol style="color: rgb(0, 153, 0);"><li>Buy a house through Pag-ibig<br /></li><li>Rent-to-own your current place</li></ol><span style="color: rgb(0, 153, 0); font-weight: bold;">Buy a house through Pag-ibig<br /><span style="font-style: italic;">Advantages</span><br /></span><ul><li><span style="color: rgb(0, 153, 0);">you get to choose where, what and how much to commit. Buying a house is not as difficult as before - the government has established support financial institutions for the average Filipino to be able to own a house. However, it is STILL a long term commitment. [I pay for my condo not until the next 15 years]</span></li><li><span style="color: rgb(0, 153, 0);">when you retire, you have a rent-free house to use. Monthly house rent puts a considerable strain in a retiree's budget.<br /></span></li></ul><span style="color: rgb(0, 153, 0); font-weight: bold;"><span style="font-style: italic;">Disadvantages</span><br /></span><ul><li><span style="color: rgb(0, 153, 0);">you might have come to love the place you are staying in now and hesitant to relocate.</span></li><li><span style="color: rgb(0, 153, 0);">affordable houses are usually located somewhere out-of-center OR off the city which could mean additional transportation cost</span></li></ul><br /><span style="color: rgb(0, 153, 0); font-weight: bold;">Rent-to-own your current place</span><br /><span style="color: rgb(0, 153, 0); font-weight: bold;"><span style="font-style: italic;">Advantages</span><br /></span><ul><li><span style="color: rgb(0, 153, 0);">you'll be buying a house you have come to love</span></li><li><span style="color: rgb(0, 153, 0);">no additional moving expenses<br /></span></li></ul><span style="color: rgb(0, 153, 0); font-weight: bold;"><span style="font-style: italic;">Disadvantages</span><br /></span><ul><li><span style="color: rgb(0, 153, 0);">you're land lady/lord might NOT be willing to sell, hence give him/her an offer he can't refuse!</span></li></ul><span style="color: rgb(0, 153, 0); font-weight: bold;">How does one go about Option # 2?<br /><br /></span><span style="color: rgb(0, 153, 0);">First, discuss with your bank your plan to buy the place you are currently renting.<br />Second, ask your bank how they can help you.<br />Third, show your offer to your land lady/lord<br /><br />Banks often enter into transactions like this. The bank offers to buy the house for you, then asks you to make monthly payments until you pay off the debt. At that time, the bank will transfer the title of the house to your name.<br /><br />However, if you'd rather buy a brand new house here are useful links:<br /></span><ol><li><a href="http://www.sulit.com.ph/index.php/view+classifieds/id/419214/bookmark/233146/House+Construction+in+the+Philippines+-+Design+Ideas%2C+Cost+Estimates%2C+Construction+Methodologies+and+Procedures">ABGarcia Const.</a></li><li><a href="http://www.sulit.com.ph/index.php/view+classifieds/id/1110012/Affordable+house+and+lot+in+Antipolo+City+2-3+bedroom.+P4%2C989+Monthly">Affordable houses</a></li><li><a href="http://www.sulit.com.ph/index.php/view+classifieds/id/1093166/RENT+TO+OWN+HOUSE+AND+LOT+IN+ANTIPOLO+CITY">Rent to own<br /></a></li></ol><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><span style="font-weight: bold; font-style: italic;font-size:85%;" >[Image from www.daasgallery.com]</span><map name="bdv_RSS_Ad_41266523" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=41266523&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=41266523&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=41266523&rssimage=1" border="0" usemap="#bdv_RSS_Ad_41266523" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-84479991109833319132009-02-04T09:24:00.000-08:002009-02-06T03:42:23.227-08:002009-02-06T03:42:23.227-08:00CitisecOnline Easy Investment Program<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_J0ItlVNMuDA/SYnTkUjCSrI/AAAAAAAAAKg/1uOmZCHZts4/s1600-h/COL+Easy+Investment+Plan.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 365px; height: 264px;" src="http://3.bp.blogspot.com/_J0ItlVNMuDA/SYnTkUjCSrI/AAAAAAAAAKg/1uOmZCHZts4/s400/COL+Easy+Investment+Plan.jpg" alt="" id="BLOGGER_PHOTO_ID_5298999057522510514" border="0" /></a><span style="color: rgb(102, 51, 0);font-family:trebuchet ms;" >For those who have been wanting to venture into Online Stock Trading, but just do NOT have enough extra CASH for the required opening balance, well here is your CHANCE!<br /></span><!-- Begin BidVertiser code --><br /><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><br /><span style="color: rgb(102, 51, 0);font-family:trebuchet ms;" >CitisecOnline is offering an affordable program for everyone to participate in the stock exchange. For as low as P5,000 in cash you can open an account for their COL Easy Investment Program.<br /><br />For additional information click <a href="https://rcpt.yousendit.com/649237670/04d98d4a82aa4c6a07ce58f7db868a0d">here</a> AND for the application form click <a href="https://rcpt.yousendit.com/649097034/081f1ac30412c26fcfa6390d53942b56">here</a>. Let's take advantage of this program while it is still being offered AND while the market is still reeling.<br /><br />It's shopping time!<br /></span><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><span style="font-size:85%;"><span style="font-weight: bold; font-style: italic;">[Image is from www.citiseconline.com]</span></span><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_80340283" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=80340283&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=80340283&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=80340283&rssimage=1" border="0" usemap="#bdv_RSS_Ad_80340283" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-65509094504879968382009-02-04T09:15:00.000-08:002009-02-04T09:32:06.963-08:002009-02-04T09:32:06.963-08:00FREE Seminar: A beacon of hope for investors<span style="font-weight: bold;"><span style="color: rgb(51, 0, 153);"><span style="font-family:lucida grande;">The Mutual Fund Management Company of the Philippines, Inc., which is owned by ATR KimEng Group a licensed Philippine Stock Exchange broker, together with the Philippine Stock Exchange, Philippine Equity Partners, Inc., and the Ateneo Graduate School of Business is offering a FREE seminar titled<br /></span></span></span><div style="text-align: center;"><blockquote><span style="font-size:130%;">Philippine Investment Opportunities: Shining through the Global Doom</span><br /></blockquote></div><span style="font-weight: bold;"><span style="color: rgb(51, 0, 153);"><span style="font-family:lucida grande;">on February 25, 2009 from 5:30 to 8:00 pm<br /><br />Check details below.<br />The best things in life are FREE, failure isn't. Accumulating knowledge on investments is as IMPORTANT as the investment process itself.<br /></span></span></span><!-- Begin BidVertiser code --><br /><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><span style=";font-family:Times New Roman;font-size:100%;" ><span style=";font-family:Times New Roman;font-size:100%;" ><span style=";font-family:Times New Roman;font-size:100%;" ><span style=";font-family:Times New Roman;font-size:100%;" ><span style=";font-family:Times New Roman;font-size:100%;" ><span style=";font-family:Times New Roman;font-size:100%;" ><span style=";font-family:Times New Roman;font-size:100%;" ><span style=";font-family:Times New Roman;font-size:100%;" ><span style=";font-family:Times New Roman;font-size:100%;" ><div><span style=";font-family:Arial;font-size:85%;" ><a rel="nofollow" target="_blank" href="http://www.mutualfund.com.ph/mfmcpib/?S=4"><img alt="" src="http://us.mg4.mail.yahoo.com/ya/download?mid=1%5f96413%5fAKMPw0MAAIvTSYiuCgYb%2fk1OddE&pid=2.2&fid=Seminars&inline=1" align="baseline" border="0" hspace="0" /></a></span></div> <div> </div> <div><span style=";font-family:Arial;font-size:85%;" ><strong>SPEAKERS:</strong></span></div> <div> </div> <div><span style=";font-family:Arial;font-size:85%;" ><strong>MR. JOJO GONZALES</strong></span></div> <div><span style=";font-family:Arial;font-size:85%;" >Managing Director and Head of Research</span></div> <div><span style=";font-family:Arial;font-size:85%;" >Philippine Equity Partners, Inc.</span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ></span> </div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><span style=";font-family:Arial;font-size:78%;" >Jojo is Managing Director and Head of Research at Philippine Equity Partners, Inc., one of the leading independent stockbrokers in the Philippines.<span style=""> </span>He had previously been a member of the equity research teams at <span class="yshortcuts" id="lw_1233767031_0">Merrill Lynch</span> Securities, <span style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1233767031_1">Philippines</span>, Inc. (where he was President and Head of Strategy and Economist for over four years), at <span style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1233767031_2">Jardine Fleming</span> Exchange Capital Securities, Inc. (where he spent over six years, ending as Head of Research), and at Sun Hung Kai Securities, Inc. <span style=""> </span>Jojo received the highest individual Philippine analyst rankings in the <i style="">Institutional Investor</i> surveys of 2000 and 2001. He was also named #1 Philippine equity analyst in the <i style="">Asiamoney</i> Magazine surveys of 1993, 1996, 2000 and 2001.<span style=""> </span>Jojo was ranked #1 Analyst by the Fund Managers Association of the Philippines in 2008.<span style=""> </span>Earlier in his career, Jojo was briefly an economist and research tutor at the Center for Research and Communication (CRC), which is now called the <span class="yshortcuts" id="lw_1233767031_3">University of Asia and the Pacific</span>.<span style=""> </span>He holds a BA in Economics from the <span class="yshortcuts" id="lw_1233767031_4">Ateneo de Manila</span> and an MS in Industrial Economics from the CRC.</span></span></div> <div> </div> <div><span style=";font-family:Arial;font-size:85%;" ><strong>MR. GERALD BALDIVIA</strong></span></div> <div><span style=";font-family:Arial;font-size:85%;" ><span class="yshortcuts" id="lw_1233767031_5">Executive Director - Marketing</span> and Sales</span></div> <div><span style=";font-family:Arial;font-size:85%;" >The <span class="yshortcuts" id="lw_1233767031_6">Mutual Fund Management</span> Company of the Philippines, Inc.</span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ></span> </div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><span style=";font-family:Arial;font-size:78%;" >Gerald is Executive Director for Marketing and Sales at The Mutual Fund Management Company of the Philippines, Inc.<span style=""> </span>He began his career in <span class="yshortcuts" id="lw_1233767031_7">credit analysis</span>, first at <span class="yshortcuts" id="lw_1233767031_8">Far East Bank and Trust</span> Co., and then at <span class="yshortcuts" id="lw_1233767031_9">American International Group</span>’s trade and <span class="yshortcuts" id="lw_1233767031_10">political risk insurance division</span> in <span class="yshortcuts" id="lw_1233767031_11">New York</span>.<span style=""> </span>On returning to the Philippines Gerald worked as a stock analyst, first with Peregrine Securities Philippines, Inc. (now ATR KimEng Securities), and then with <span class="yshortcuts" id="lw_1233767031_12">Société Générale</span>.<span style=""> </span>After these, he moved to the <span style="background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1233767031_13">International Finance Corp</span>. (the private-sector arm of the <span class="yshortcuts" id="lw_1233767031_14">World Bank Group</span>) as an Investment Officer covering debt and equity in the Philippines, <span class="yshortcuts" id="lw_1233767031_15">Thailand</span> and Viet Nam.<span style=""> </span>Gerald has been a consultant on mergers, acquisitions, and privatization bids in various industries.<span style=""> </span>He has a BS in Business Administration (<i style="">cum laude</i>) from the <span class="yshortcuts" id="lw_1233767031_16">University of the Philippines</span> and an MBA from <span class="yshortcuts" id="lw_1233767031_17">Columbia University</span>.<span style=""> </span>Gerald is a Certified Investment Solicitor; this designation is conferred by the Philippines’ <span style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1233767031_18">Securities and Exchange Commission</span> as a license to market and sell mutual funds.</span></span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ></span> </div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><span style="font-family:Arial;"><strong>CO-SPONSORS:</strong></span></span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ></span> </div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><img alt="" src="http://us.mg4.mail.yahoo.com/ya/download?mid=1%5f96413%5fAKMPw0MAAIvTSYiuCgYb%2fk1OddE&pid=2.3&fid=Seminars&inline=1" align="baseline" border="0" hspace="0" /></span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><img alt="" src="http://us.mg4.mail.yahoo.com/ya/download?mid=1%5f96413%5fAKMPw0MAAIvTSYiuCgYb%2fk1OddE&pid=2.4&fid=Seminars&inline=1" align="baseline" border="0" hspace="0" /></span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ></span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><img alt="" src="http://us.mg4.mail.yahoo.com/ya/download?mid=1%5f96413%5fAKMPw0MAAIvTSYiuCgYb%2fk1OddE&pid=2.5&fid=Seminars&inline=1" align="baseline" border="0" hspace="0" /><img alt="" src="http://us.mg4.mail.yahoo.com/ya/download?mid=1%5f96413%5fAKMPw0MAAIvTSYiuCgYb%2fk1OddE&pid=2.6&fid=Seminars&inline=1" align="baseline" border="0" hspace="0" /></span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ></span><span style=";font-family:'Optima LT Std';font-size:10;" ></span> </div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><span style="font-family:Arial;"><strong>OFFICIAL ONLINE MEDIA PARTNER:</strong></span></span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ></span> </div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><span style=";font-family:Arial;font-size:78%;" ><img alt="" src="http://us.mg4.mail.yahoo.com/ya/download?mid=1%5f96413%5fAKMPw0MAAIvTSYiuCgYb%2fk1OddE&pid=2.7&fid=Seminars&inline=1" align="baseline" border="0" hspace="0" /><span style="font-size:85%;"> </span></span></span></div> <div><span style=";font-family:'Optima LT Std';font-size:10;" ><img alt="" src="http://us.mg4.mail.yahoo.com/ya/download?mid=1%5f96413%5fAKMPw0MAAIvTSYiuCgYb%2fk1OddE&pid=2.8&fid=Seminars&inline=1" align="baseline" border="0" hspace="0" /></span><br /><br /><span style=";font-family:arial;font-size:85%;" ><b>THE MARKET EDUCATION DEPARTMENT<br />THE PHILIPPINE STOCK EXCHANGE, INC.</b><br />T: +<span style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1233767031_19">(632) - 688-7537</span> to 38<br />F: +<span style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1233767031_20">(632) - 634-6695</span><br />E: <span style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1233767031_21">marketeducation@pse.com.ph</span><br />W: <a target="_blank" href="http://www.pse.com.ph/"><span class="yshortcuts" id="lw_1233767031_22">www.pse.com.ph</span></a></span></div></span></span></span></span></span></span></span></span></span><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_140935067" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=140935067&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=140935067&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=140935067&rssimage=1" border="0" usemap="#bdv_RSS_Ad_140935067" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-78040133092843892002009-02-02T02:25:00.000-08:002009-02-06T04:17:04.705-08:002009-02-06T04:17:04.705-08:00what happened at BPI today => i went & registered a BPI Trade accountAll over the world, financial markets are down - the stock markets, the futures markets, the commodities markets - whatever market you can think of, it's down!<br /><br />Thus, the million dollar$ question is, is it the RIGHT time to buy? <span style="color: rgb(102, 0, 0); font-weight: bold;">[This I will address in the next issue]</span><br /><br /><!-- Begin BidVertiser code -->The point is WHETHER it is the RIGHT time to buy, a prudent investor should always be ready. Hence, I am readying myself to be able to take opportunities the moment they arise. **Imagine a frog flicking it's tongue immediately (at the blink of an eye, eherm, tongue) at an insect when it appears** That is my how I picture me now (still far from looking like a frog though). Better yet this picture says it ALL. That is ME celebrating *wink*wink*<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_J0ItlVNMuDA/SYbPZg-jEII/AAAAAAAAAJw/67YZ-WFdVqI/s1600-h/Filipino+Trader.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 320px; height: 200px;" src="http://2.bp.blogspot.com/_J0ItlVNMuDA/SYbPZg-jEII/AAAAAAAAAJw/67YZ-WFdVqI/s320/Filipino+Trader.jpg" alt="" id="BLOGGER_PHOTO_ID_5298150048903925890" border="0" /></a><br /><br /><br /><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><br /><br />So yesterday, I signed up in the Bank of the Philippine Islands' stock trading platform. It is called <a href="http://www.bpitrade.com/trade/">BPI Trade</a>. I promised someone to share my experience in opening the account, but before that let me tell DDDDD reasons why I choose BPI Trade.<br /><br /><ol style="color: rgb(102, 51, 51);"><li><span style="color: rgb(0, 102, 0); font-weight: bold;">BPI has the best online banking platform and processes. It is much better than BDO's which is just a step up from traditional banking.</span></li><li><span style="color: rgb(0, 102, 0); font-weight: bold;">I have heard good things about BPI Trade from friends who have been using it. Using the platform actually made these friends invest more, and hence save more.</span></li><li><span style="color: rgb(0, 102, 0); font-weight: bold;">I like it that trascations in BPI Trade will directly be credited/debited to my BPI account unlike traditional brokerages where you have to wait for the brokers to send you the check for the stock proceeds.</span></li></ol><span style="color: rgb(0, 0, 0);">Now, so yesterday, I filled up the application online and the Web site instructed me to print the form AND together with other documents (photocopy of passport, SSS ID, or any 2 allowed ID) submit it to my BPI Branch. My Branch is the one in Cubao Supercentre - the one in front of Shopwise and beside AliMall.<br /><br />Today, I went there and it was a very FUNNY experience. The branch doesn't know about BPI Trade. Yay! A good thing the branch manager was there and very accomodating. I explained to <span style="font-weight: bold;">Sir Vic</span>, the accomodating branch manager, the BPI Trade - BPI branch relationship. Mainly<br /><br /></span><ul><li>I need to submit to the branch the printed form which I filled up online.</li><li>This is for the branch to verify my signatures (total of 5 in the BPI Trade application form)</li><li>If I am not an existing BPI account holder, then I need to open an account right there and then.</li><li>But since I am a cardholder, the branch needs to attach a photocopy of my account's signature card to the BPI Trade application form</li><li>Then the branch has to forward the complete form to BPI's Fulfillment Banking (whatever that is)</li></ul>It was fun though. Funny that I have to inform the bank about one of its products. Sir Vic promised to send the form right after I submitted it to him.<br /><br />Now, let's wait and see how fast BPI's Fulfillment Banking works and how soon I get my BPI Trade account.<br /><span style="color: rgb(0, 102, 0); font-weight: bold;"></span><br /><span style="color: rgb(153, 0, 0); font-weight: bold;">Thanks Sir Vic!</span><br /><br /><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /><span style="font-weight: bold;"><span style="font-style: italic;">[Image from www.telegraph.co.uk]<br /></span></span><map name="bdv_RSS_Ad_251663099" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=251663099&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=251663099&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=251663099&rssimage=1" border="0" usemap="#bdv_RSS_Ad_251663099" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com2tag:blogger.com,1999:blog-127076872496669608.post-51108179125384495292009-01-28T18:49:00.000-08:002009-01-28T18:50:35.053-08:002009-01-28T18:50:35.053-08:00Earn Money OnlineBy GoogleCashMoney<br /><br />Affiliate Marketing is currently one of the most popular and lucrative business opportunities in online. It is an agreement between the merchant, or the one with the product to sell, and the website owner or the affiliate, or the one who allows the use of his site to promote the merchant's product s or services. Thus, affiliate marketing is a relationship between the merchant and the affiliate. Meanwhile, an affiliate-marketing network is a program that involves a network of individuals and organizations with the purpose of helping each other through affiliate marketing. There are many affiliate-marketing programs where both merchants and affiliates can go to find what they need for. In such an affiliate marketing networks, affiliates can choose from thousands of products to advertise. Similarly, the merchants can proffer their products and look for affiliates who will advertise their products.<br /><!-- Begin BidVertiser code --><br /><script language="JavaScript1.1" src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></script><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><br />Kontera is a leading provider of In-Text Advertising and Information Services based on patent- pending text and content analysis technology that maximizes relevancy and yield for online users, publishers, and advertisers.<br /><br />The company's flagship product, ContentLinkTM, finds contextually relevant keywords on a publisher's web page in real-time and automatically matches them to relevant ads and information. Thousands of online publishers worldwide are currently using Kontera's service for additive revenue from their content while providing relevant ads and information to their users.<br /><br />Leading international advertisers in a broad range of product categories are achieving improved ROI with ContentLinkTM over other advertising vehicles because of the relevancy of the ad to the user's online experience and immediate frame of mind.<br />Kontera's competitive advantage lies in seven years of experience in the In-Text market and its patent pending proprietary textual and content analysis technology. The company has developed and utilizes several proprietary semantic, statistical, linguistic, and yield maximization algorithms to analyze words and parts-of-speech to extract and rank relevant topics and keywords, which are then matched to relevant ads.<br /><br />Click here to join Kontera or post your email in the comment box and I will email you an invitation.<br /><br />~cheers<br /><br /><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /> <br /><!-- You will NOT be able to see the ad on your site! This unit is hidden on your page, and will only display to your search engine traffic (from US and CA). To preview, paste the code up on your site, then add #chitikatest=mortgage to the end of your URL in your browser's address bar. Example: www.yourwebsite.com#chitikatest=mortgage. This will show you what the ad would look like to a user who is interested in "mortgages." --><br /><script type="text/javascript"><!--<br />ch_client = "lizagaspar";<br />ch_type = "mpu";<br />ch_width = 728;<br />ch_height = 90;<br />ch_non_contextual = 4;<br />ch_vertical ="premium";<br />ch_sid = "Chitika Premium";<br />var ch_queries = new Array( );<br />var ch_selected=Math.floor((Math.random()*ch_queries.length));<br />if ( ch_selected < ch_queries.length ) {<br />ch_query = ch_queries[ch_selected];<br />}<br />//--></script><br /><script src="http://scripts.chitika.net/eminimalls/amm.js" type="text/javascript"><br /></script><br /><!-- END CODE --><map name="bdv_RSS_Ad_34070251" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=34070251&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=34070251&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=34070251&rssimage=1" border="0" usemap="#bdv_RSS_Ad_34070251" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-51459364469241259312009-01-28T18:02:00.001-08:002009-01-28T18:04:00.890-08:002009-01-28T18:04:00.890-08:00Financial news todayBusiness World Articles<br /><br />- Job losses mounting<br />- Crisis may worsen sharply, says ILO<br />- 1 in 5 firms expect to trim staff – MBC<br />- Stimulus plan’s funders asked o sign pledges<br />- Annual CEO survey shows confidence diving to new low worldwide<br />- Php firms up along with regional currencies<br />- At least P41.8 B ‘son’ taxes collected in 2008<br />- Senate committee pushes permanent rent control<br />- Building permits up in Q3 last year<br />- Government confident of good offers for assets this year<br />- VAT stays despite difficulties – Malacanang<br />- BIR moves deadline for employee list<br />- Pre-need firms seek time for claims<br />- Investors pocket gains before BSP meeting<br />- Palace sets mid-Feb. deadline to solve cooking gas supply lack<br /><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /> <br /><!-- You will NOT be able to see the ad on your site! This unit is hidden on your page, and will only display to your search engine traffic (from US and CA). To preview, paste the code up on your site, then add #chitikatest=mortgage to the end of your URL in your browser's address bar. Example: www.yourwebsite.com#chitikatest=mortgage. This will show you what the ad would look like to a user who is interested in "mortgages." --><br /><script type="text/javascript"><!--<br />ch_client = "lizagaspar";<br />ch_type = "mpu";<br />ch_width = 728;<br />ch_height = 90;<br />ch_non_contextual = 4;<br />ch_vertical ="premium";<br />ch_sid = "Chitika Premium";<br />var ch_queries = new Array( );<br />var ch_selected=Math.floor((Math.random()*ch_queries.length));<br />if ( ch_selected < ch_queries.length ) {<br />ch_query = ch_queries[ch_selected];<br />}<br />//--></script><br /><script src="http://scripts.chitika.net/eminimalls/amm.js" type="text/javascript"><br /></script><br /><!-- END CODE --><br /><br /> <!-- Begin BidVertiser code --><br /><SCRIPT LANGUAGE="JavaScript1.1" SRC="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></SCRIPT><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><map name="bdv_RSS_Ad_214319787" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=214319787&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=214319787&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=214319787&rssimage=1" border="0" usemap="#bdv_RSS_Ad_214319787" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-18607209683243286742009-01-28T17:29:00.000-08:002009-01-28T17:51:27.876-08:002009-01-28T17:51:27.876-08:00Clicking your way to million$$$Whew! The title is a misnomer though.<br />I have tried, but honestly clicking my way to million$$$ seem far fetched unless I buy referrals. This means investing in my PTC accounts.<br /><br />I do understand the logic though. Like in any other money making scheme, initial investment is necessary. The realization here is that there can never be a truly FREE way to make money online.<br /><br />It takes hard work and a lot of time, and of course, money, too.<br /><br />BDV-856145-BDV<br /><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /> <br /><!-- You will NOT be able to see the ad on your site! This unit is hidden on your page, and will only display to your search engine traffic (from US and CA). To preview, paste the code up on your site, then add #chitikatest=mortgage to the end of your URL in your browser's address bar. Example: www.yourwebsite.com#chitikatest=mortgage. This will show you what the ad would look like to a user who is interested in "mortgages." --><br /><script type="text/javascript"><!--<br />ch_client = "lizagaspar";<br />ch_type = "mpu";<br />ch_width = 728;<br />ch_height = 90;<br />ch_non_contextual = 4;<br />ch_vertical ="premium";<br />ch_sid = "Chitika Premium";<br />var ch_queries = new Array( );<br />var ch_selected=Math.floor((Math.random()*ch_queries.length));<br />if ( ch_selected < ch_queries.length ) {<br />ch_query = ch_queries[ch_selected];<br />}<br />//--></script><br /><script src="http://scripts.chitika.net/eminimalls/amm.js" type="text/javascript"><br /></script><br /><!-- END CODE --><br /><br /> <!-- Begin BidVertiser code --><br /><SCRIPT LANGUAGE="JavaScript1.1" SRC="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302%26bid=498888" type="text/javascript"></SCRIPT><br /><noscript><a href="http://www.bidvertiser.com">pay per click</a></noscript><br /><!-- End BidVertiser code --><map name="bdv_RSS_Ad_63789883" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=63789883&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=63789883&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=63789883&rssimage=1" border="0" usemap="#bdv_RSS_Ad_63789883" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-40829574608440224102009-01-20T01:52:00.000-08:002009-01-20T02:38:16.438-08:002009-01-20T02:38:16.438-08:00What is the best way to earn money on line?<span style="color: rgb(0, 51, 0);"><span style="font-weight: bold;"><span style="font-size:85%;"><span style="font-family:georgia;">A lot of people are obsessed with earning money online, but is there really an easy way?<br />I believe there is NONE. Those people who have been successful in generating extra streams in income through their online activities have INVESTED a lot of TIME and HARD WORK.<br /><br />Now, if you are into PTC, you might thought that clicking ads is a SIMPLE way to earn extra CASH. Think again! Say, you get paid $0.001-$.005 per click and to EARN than you are required to wait 30 seconds before closing the browser. So, how many seconds would it take for you to earn the minimum pay-out? 30,000 - 150,000 seconds OR 8.33 - 41.67 hours!!!! for a $5 pay-out. Whew! If you really do the math, PTC with you clicking alone is NOT profitable.<br /><br />From these numbers, you are better off doing odd jobs in your neigborhood, say, walking dogs for that old lady who lives around the corner. That can earn you $5-10 an hour.<br /><br />People who earned a lot in PTC, or so they say, buys or rents referrals. To do this, you have to have initial investment. It does take money to ear money. But most PTC members, dont bother buying or renting referrals. They rather be patient and ask everyone they know to register with them as the referral.<br /><br />Today, I tried this online earning opportunity. I registered in 10 PTC sites. My plan is to earn enough - usually a dollar - then USE that to rent referrals. I will, of course, tell you how everything goes. I tell you, it is difficult!<br /><br />Here is the list of the PTC I joined:<br /></span></span></span></span><ol><li><span style="color: rgb(0, 51, 0);"><span style="font-weight: bold;"><span style="font-size:85%;"><span style="font-family:georgia;">Neobux</span></span></span></span></li><li><span style="color: rgb(0, 51, 0);"><span style="font-weight: bold;"><span style="font-size:85%;"><span style="font-family:georgia;">Taketheglobe</span></span></span></span></li><li><span style="color: rgb(0, 51, 0);"><span style="font-weight: bold;"><span style="font-size:85%;"><span style="font-family:georgia;">Earnmybux</span></span></span></span></li><li><span style="color: rgb(0, 51, 0);"><span style="font-weight: bold;"><span style="font-size:85%;"><span style="font-family:georgia;">centbux</span></span></span></span></li><li><span style="font-weight: bold;">ariaptc</span></li><li><span style="font-weight: bold;">ara-bux</span></li><li><span style="font-weight: bold;">chillbux</span></li><li><span style="font-weight: bold;">citiclick</span></li><li><span style="font-weight: bold;">clicksense</span></li><li><span style="font-weight: bold;">ppclix<br /></span></li></ol><span style="color: rgb(0, 51, 0);"><span style="font-weight: bold;"><span style="font-size:85%;"><span style="font-family:georgia;">Well, if you WANT to be a member also, my user name for referral purposes for all these PTC sites is lizagaspar. ~<br /><br />Happy clicking!<br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_60931723" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=60931723&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=60931723&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=60931723&rssimage=1" border="0" usemap="#bdv_RSS_Ad_60931723" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-41364289798343137802009-01-19T21:22:00.000-08:002009-01-19T22:12:40.289-08:002009-01-19T22:12:40.289-08:00Banking Codes [Swift & Routing] of the Philippines<span style="color: rgb(102, 51, 102);"><span style="font-weight: bold;"><span style="font-family:georgia;">With the numerous post online on <a href="http://myfirstmillionpesos.blogspot.com/2009/01/routing-code-of-philippine-banks.html">routing</a> and <a href="http://myfirstmillionpesos.blogspot.com/2008/11/myfirstmillion.html">swift</a> codes - separately - I decided to consolidate the information in one table.<br /></span></span></span><div style="text-align: left;"><span style="color: rgb(102, 51, 102);"><span style="font-weight: bold;"><span style="font-family:georgia;">Here it is.</span></span></span><br /><table style="border-collapse: collapse; width: 456px; height: 1664px;" border="0" cellpadding="0" cellspacing="0"><col style="width: 170pt;" width="227"> <col style="width: 60pt;" width="80"> <col style="width: 62pt;" width="82"> <col style="width: 63pt;" width="84"> <tbody><tr style="height: 11.25pt;" height="15"> <td class="xl67" style="height: 11.25pt; width: 170pt;" width="227" height="15">Bank</td> <td class="xl67" style="width: 60pt;" width="80">Shorthand</td> <td class="xl67" style="width: 62pt;" width="82">Routing Code</td> <td class="xl67" style="width: 63pt;" width="84">Swift Code</td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="height: 11.25pt;" height="15"><span style="font-size:78%;">ABN AMRO Bank<span style=""> </span></span></td> <td class="xl69" style="border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl69" style="border-left: medium none;"><br /></td> <td class="xl70" style="border-left: medium none;"><span style="font-size:85%;">ABNAPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Allied Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10320013</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ABCMPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">American Express Bank Philippines<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">AMEXPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Asia United Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(AUB)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">11020011</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">AUBKPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Australia New Zealand<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(ANZ)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10700015</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ANZBPHMXXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Banco de Oro<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(BDO)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10530667</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BNORPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Banco Santander Philippines Inc<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BSCHPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bangko Sentral ng Pilipinas<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(BSP)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10030015</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"> <span style="font-size:85%;"><br /></span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bangkok Bank Public Company Ltd<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BKKBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bank of America NA Manila<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BOFAPH2XXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bank of China</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">11140014</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BKCHPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bank of Commerce</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10440016</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PABIPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bank of the Philippine Islands<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(BPI)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10040018</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BOPIPHMM</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bank of Tokyo</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10460012</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BOTKPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Chemical Bank Mla Branch JP Morg<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">CHASPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">China Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10100013</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">CHBKPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Chinatrust</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10690015</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">CTCBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Citibank N.A.</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10070017</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">CITIPHMXXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Deutsche Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10650013</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">DEUTPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Development Bank of the Philippines<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(DBP)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10590018</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">DBPHPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">East West Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10620014</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">EWBCPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Equitable PCI Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(EPCIB)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10530667</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PCIBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Export and Industry Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(Exportbank)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10860010</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">EAIBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Fuji Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10640010</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"> <span style="font-size:85%;"><br /></span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Hong Kong and Shanghai Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(HSBC)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10060014</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">HSBCPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">ING Bank NV<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">INGBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">International Commercial Bank of China</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10560019</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ICBCPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">International Exchange Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(iBank)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10680012</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">INXBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">JP Morgan Chase Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10720011</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">CHASPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Korea Exchange Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10710018</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">KOEXPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">International Nederland Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10660016</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"> <span style="font-size:85%;"><br /></span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Land Bank of the Philippines<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(Landbank)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10350025</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">TLBPPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Maybank of the Philippines</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10220016</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">MBBEPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Metropolitan Bank and Trust Co.<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(Metrobank)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10269996</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">MBTCPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Mizuho Corporate Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">MHCBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Philippine Bank of Communication<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(PBCom)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10110016</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">CPHIPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Philippine Trust Company<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(Philtrust Bank)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10090039</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PHTBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Philippine NATIONAL BANK<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(PNB)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10080010</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PNBMPHMMTOD</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Prudential Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10150018</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PILBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Philippine Veterans Bank</span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10330016</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PHVBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Rizal Commercial Banking Corporation<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(RCBC)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10280014</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">RCBCPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Security Bank and Trust Company<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(Security Bank)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10140015</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">SETCPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Standard Chartered Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(SCB)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10050011</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">SCBLPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">United Coconut Planters Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(UCPB)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10299995</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">UCPBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Union Bank of the Philippines<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(Unionbank)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10419995</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">UBPHPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">United Overseas Bank<span style=""> </span></span></td> <td class="xl71" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;">(UOB)</span></td> <td class="xl72" style="border-top: medium none; border-left: medium none;">10270189</td> <td class="xl68" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">UOVBPHMMXXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl73" style="height: 11.25pt;" height="15"><span style="font-size:78%;">Non-SWIFT PARTICIPANTS</span></td> <td style="text-align: center;" class="xl74"><span style="font-size:78%;"><br /></span></td> <td class="xl75"><br /></td> <td class="xl76"><span style="font-size:85%;"><br /></span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="height: 11.25pt;" height="15"><span style="font-size:78%;">Al Amanah<span style=""> </span></span></td> <td class="xl68" style="border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl68" style="border-left: medium none;"><br /></td> <td class="xl68" style="border-left: medium none;"> <span style="font-size:85%;"><br /></span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Islamic Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ALAMPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Anchor Savings Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ANCBPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Asiatrust Development Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ASDVPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Banco Filipino SMB<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">FIAOPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bank One Savings & Trust Corp<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ONSTPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Bankwise Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BKWSPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">BPI Family Savings Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BPFFPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Centennial Savings Bank Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">CNSVPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Equitable Savings Bank Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">EQSVPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">First Consolidated Bank Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">FIOOPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">GSIS Family Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">GSISPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">HSBC Savings Bank Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">HSBSPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Insular Life Sav & Trust Co<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ILSTPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Isla Bank Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ISTHPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Keppel Bank Philippines Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">KEPHPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">LBC Development Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">LBCDPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Luzon Development Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">LUDVPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Malayan Bank SMB<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">MAARPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Manila Banking Corporation<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">MABCPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Merchant Savings and LA, Inc.<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">MRCBPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Mindanao Development Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">MDDEPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Orion Savings Bank Inc.<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">ORSIPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Philam Savings Bank Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PHSAPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Philippine Business Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PPBUPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Philippine Postal SB<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PHPSPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Philippine Savings Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PHLSPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">AB Capital and Inv Corp<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">CAVPPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">BPI Capital Corp<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BPAPPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">BPI Leasing Corp<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">BPLIPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">First Malayan Lsng & Fin.<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">FMLFPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">First Metro Investment Corp<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">FMICPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Planters Development Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PLDEPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Premiere Development Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PRDEPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Queen City Dev Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">QCDFPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">RCBC Savings Bank Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">RCSBPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Real Bank Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">RLBKPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Robinsons SB Corp<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">RBNVPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">The Palawan Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">PWDBPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">UCPB Savings Bank<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">UCSVPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">Multinational Inv Bancorp<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">MUIAPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">RCBC Capital Corp<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">RCCOPHM1XXX</span></td> </tr> <tr style="height: 11.25pt;" height="15"> <td class="xl68" style="border-top: medium none; height: 11.25pt;" height="15"><span style="font-size:78%;">State Investment Trust Inc<span style=""> </span></span></td> <td class="xl68" style="border-top: medium none; border-left: medium none; text-align: center;"><span style="font-size:78%;"> </span><br /></td> <td class="xl72" style="border-top: medium none; border-left: medium none;"><br /></td> <td class="xl77" style="border-top: medium none; border-left: medium none;"><span style="font-size:85%;">STIVPHM1XXX</span></td> </tr> </tbody></table><br /><span style="color: rgb(102, 51, 102);"><span style="font-weight: bold;"><span style="font-family:georgia;"></span></span></span></div><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><div style="text-align: center;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></div><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_112069627" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=112069627&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=112069627&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=112069627&rssimage=1" border="0" usemap="#bdv_RSS_Ad_112069627" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-90492842603221291292009-01-19T20:36:00.000-08:002009-01-20T01:57:20.433-08:002009-01-20T01:57:20.433-08:00Routing Code of Philippine Banks<span style="color: rgb(0, 0, 153);"><span style="font-weight: bold;"><span style="font-family:lucida grande;">These are the routing codes you need to verify your account in PayPal and other electronic transfer sites.<br />~hope this helps.<br /><br /></span></span></span>Allied Bank 010320013<br />Asia United Bank (AUB) 011020011<br />Australia New Zealand (ANZ) 010700015<br />Banco de Oro (BDO) 010530667<br />Bangko Sentral ng Pilipinas (BSP) 010030015<br />Bank of China 011140014<br />Bank of Commerce 010440016<br />Bank of the Philippine Islands (BPI) 010040018<br />Bank of Tokyo 010460012<br />China Bank 010100013<br />Chinatrust 010690015<br />Citibank N.A. 010070017<br />Development Bank of the Philippines (DBP) 010590018<br />Deutsche Bank 010650013<br />East West Bank 010620014<br />Equitable PCI Bank (EPCIB) 010530667<br />Export and Industry Bank (Exportbank) 010860010<br />Fuji Bank 010640010<br />Hong Kong and Shanghai Bank (HSBC) 010060014<br />International Commercial Bank of China 010560019<br />International Exchange Bank (iBank) 010680012<br />JP Morgan Chase Bank 010720011<br />Korea Exchange Bank 010710018<br />International Nederland Bank 010660016<br />Land Bank of the Philippines (Landbank) 010350025<br />Maybank of the Philippines 010220016<br />Metropolitan Bank and Trust Co. (Metrobank) 010269996<br />Philippine Bank of Communication (PBCom) 010110016<br />Philippine Trust Company (Philtrust Bank) 010090039<br />Philippine NATIONAL BANK (PNB) 010080010<br />Prudential Bank 010150018<br />Philippine Veterans Bank 010330016<br />Rizal Commercial Banking Corporation (RCBC) 010280014<br />Security Bank and Trust Company (Security Bank) 010140015<br />Standard Chartered Bank (SCB) 010050011<br />United Coconut Planters Bank (UCPB) 010299995<br />Union Bank of the Philippines (Unionbank) 010419995<br />United Overseas Bank (UOB) 010270189<br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_97742571" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=97742571&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=97742571&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=97742571&rssimage=1" border="0" usemap="#bdv_RSS_Ad_97742571" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-85689327090452876062009-01-17T16:23:00.000-08:002009-01-20T01:57:55.222-08:002009-01-20T01:57:55.222-08:00Casualty line going longer ...<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_J0ItlVNMuDA/SXLHrUQZ-fI/AAAAAAAAAI8/ITblveOboVk/s1600-h/Lehman+Brothers.png"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 320px; height: 199px;" src="http://3.bp.blogspot.com/_J0ItlVNMuDA/SXLHrUQZ-fI/AAAAAAAAAI8/ITblveOboVk/s320/Lehman+Brothers.png" alt="" id="BLOGGER_PHOTO_ID_5292512059099576818" border="0" /></a><br />Casualty line going longer ...<br /><object width="425" height="344"><param name="movie" value="http://www.youtube.com/v/KE5VUPOUOKo&hl=en&fs=1"><param name="allowFullScreen" value="true"><param name="allowscriptaccess" value="always"><embed src="http://www.youtube.com/v/KE5VUPOUOKo&hl=en&fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="344"></embed></object><br />First, it was Lehman Brothers, but the list kept getting longer.<br /><br />Others followed suit after. Some, I don't know if I can call it more fortunate, didn't file for Chapter 11, only cut jobs.<br /><br />I have decided to make a list of companies which have cut jobs to prevent them going the same way as Lehman Brothers did. So here goes,<br /><ol><li>Honda to eliminate its temporary and part-time workforce of <a href="http://money.cnn.com/2009/01/16/autos/honda_cuts.reut/index.htm">3,100</a><br /></li><li>Motorola slashes <a href="http://money.cnn.com/2009/01/15/news/companies/motorola_job_cuts.reut/index.htm">4,000</a> jobs</li><li>Even Google lays off <a href="http://money.cnn.com/2009/01/15/technology/google_layoffs.reut/index.htm">100</a> full-time recruiters</li><li>Pfizer prepares to cut up <a href="http://money.cnn.com/2009/01/13/news/companies/pfizer/index.htm">800</a> researcher jobs<br /></li><li>Neiman Marcus losses <a href="http://www.dallasnews.com/sharedcontent/dws/bus/stories/DN-neimanmarcus_13bus.ART.State.Edition1.4b7531e.html">400</a> jobs</li><li>Walgreen lets go of <a href="http://www.google.com/hostednews/ap/article/ALeqM5hjs2lPmzQ0KhAMONxPzCpFYWwi1QD95J0PC00">1,000</a> management jobs</li><li>Saks cuts <a href="http://www.reuters.com/article/gc04/idUSTRE50E8DK20090115">1,100</a> corporate support and store jobs<br /></li><li>Boeing cuts <a href="http://money.cnn.com/2009/01/09/news/companies/boeing_job_cuts/index.htm">4,500</a> jobs</li><li>Logitech cuts <a href="http://money.cnn.com/2009/01/06/news/companies/Logitech_slashes_jobs.reut/index.htm">15%</a> of its workforce</li><li>Cigna cuts <a href="http://money.cnn.com/2009/01/06/news/companies/cigna_job_cuts.reut/index.htm">1,000</a> jobs</li><li>Motorola reduces staff level by 4,000</li><li>Hertz cuts more than <a href="http://news.yahoo.com/s/nm/20090116/bs_nm/us_hertz">4,000</a> jobs<br /></li><li>Citibank cut 40,000 jobs</li><li>Washington Mutual eliminate <a href="http://money.cnn.com/2008/11/21/news/companies/wamu_layoffs/index.htm?postversion=2008112105">1,600</a> jobs<br /></li><li>Rolls Royce lay off 2,ooo people worldwide<br /></li><li>Bank of America reduces workforce by up to <a href="http://www.marketwatch.com/news/story/Bank-America-Plans-Reduce-Work/story.aspx?guid=%7BC9156459-D90B-48AF-9D00-65390862BF91%7D">35,000</a> until early 2009<br /></li><li>DHL cut <a href="http://money.cnn.com/2008/11/10/news/companies/dhl/?postversion=2008111009">9,500</a> jobs</li><li>Credit Suisse sheds over <a href="http://www.france24.com/en/20081204-credit-suisse-net-loss-job-cuts-banking-crisis-switzerland">5,000</a> jobs<br /></li><li>State Street Corp cuts <a href="http://www.boston.com/business/ticker/2008/12/state_street_co_8.html?p1=Well_MostPop_Emailed3">1,800 </a>positions</li><li>AT&T cuts <a href="http://www.msnbc.msn.com/id/28049442/?from=ET">12,000</a> jobs</li></ol>... and the list goes on.<br /><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_53524203" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=53524203&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=53524203&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=53524203&rssimage=1" border="0" usemap="#bdv_RSS_Ad_53524203" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-47010158850226366482009-01-17T16:06:00.000-08:002009-01-20T01:58:38.897-08:002009-01-20T01:58:38.897-08:00T-Mobile Revolutionary Ad<object width="425" height="344"><param name="movie" value="http://www.youtube.com/v/mUZrrbgCdYc&color1=0xb1b1b1&color2=0xcfcfcf&hl=en&feature=player_embedded&fs=1"><param name="allowFullScreen" value="true"><embed src="http://www.youtube.com/v/mUZrrbgCdYc&color1=0xb1b1b1&color2=0xcfcfcf&hl=en&feature=player_embedded&fs=1" type="application/x-shockwave-flash" allowfullscreen="true" width="425" height="344"></embed></object><br />The advertising a company chooses can make or break its product. T-Mobile just launched in the UK a 'revolutionary' concept in advertising. Revolutionary in that at first the ad seems spontaneous and not choreograph. However, I suppose this will eventually get old as advertising concepts go.<br />Thoughts?<br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_113958523" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=113958523&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=113958523&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=113958523&rssimage=1" border="0" usemap="#bdv_RSS_Ad_113958523" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-19629527326760625932009-01-04T02:59:00.000-08:002009-01-04T04:25:56.551-08:002009-01-04T04:25:56.551-08:00Paying It Back for Mang Meliton a.k.a "Mang Milton" by MikeMeet Meliton Zamora, a <span class="yshortcuts" id="lw_1231071061_1">retired University of the Philippines</span> janitor and my hero.<br /><br />For forty-five years, he swept floors, cleaned up trash, watered plants and did odd jobs at the University.<br /><br />I met him when I was active with the UP Repertory Company, a theater group based (then) at the third floor lobby of the Arts & Sciences (AS) building. He would sweep and mop the hallway floors in silence, venturing only a nod and a smile whenever I passed him.<br /><br />Back then, for me he was just one of those characters whom you got acquainted with and left behind as soon as you earned your degree and left the university for some big job in the real world. Someone whose name would probably ring a bell but whose face you'd have a hard time picturing. But for many UP students like me who were hard up and had a difficult time paying their tuition fees, Mang Mel was a hero who gave them the opportunity to finish university and get a big job in the real world.<br /><br />The year was 1993 and I was on my last semester as a Clothing Technology student. My parents had been down on their luck and were struggling to pay for my tuition fee. I had been categorized as Bracket 9 in the recently implemented Socialized Tuiton and <span class="yshortcuts" id="lw_1231071061_2">Financial Assistance Program</span> (STFAP). My father had lost his job and to supplement my allowance, I worked part time as a Guest Relations Officer at Sam's Diner (back when the term GRO didn't have shady undertones) and took some odd jobs as a <span class="yshortcuts" id="lw_1231071061_3">Production Assistant</span>, movie extra and wardrobe mistress.<br /><br />To be eligible for graduation, I had to enroll in my last three courses and pay my tuition fee. Since my parents didn't have enough money for my matriculation, I applied for a student loan hoping that my one of my <span style="background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1231071061_4">Home Economics</span> (HE) professors would take pity on me and sign on as a guarantor for the student loan. But those whom I approached either refused or were not eligible as guarantors. After two unsuccessful weeks of looking for a guarantor, my prospects looked dim, my future dark. And so, there I was, a downtrodden twenty year old with a foggy future, crying in the AS lobby. I only had twenty four hours left to look for a guarantor.<br /><br />Mang Mel, with a mop in hand, approached me and asked me why I was crying. I told him I had no guarantor for my student loan and will probably not be able to enroll this semester. I had no hopes that he would be able to help me. After all, he was just a janitor. He borrowed my loan application papers and said softly, "Puwede ako pumirma. Empleyado ako ng UP." He borrowed my pen and signed his name. With his simple act of faith, Mang Mel not only saved my day, he also saved my future.<br /><br />I paid my student loan the summer after that fateful day with Mang Milton and it has been 15 years since then. I am not filthy rich but I do have a good job in the real world that allows me to support my family and eat three meals a day. A few weeks ago, a friend and UP Professor, Daki, told me that Mang Mel recently recorded an album which he sells to supplement his meager retirement pay, I asked another friend, Blaise, who's taking his <span style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1231071061_5">Master's degree</span> at UP to find out how we could contact Mang Mel. My gesture of gratitude for Mang Mel's altruism has been long overdue. As fate would have it, my friend saw Mang Mel coming out of the shrubbery from behind the UP library, carrying firewood. He got Mang Mel's address and promised him that we would come over to buy his album.<br /><br />Together with Blaise and my husband Augie, I went to pay Mang Mel a visit last Sunday. Unfortunately, he was out doing a little sideline gardening for a UP professor in Tandang Sora. We were welcomed into their home by his daughter Kit. As she pointed out to a laminated photo of Mang Mel on the wall, she proudly told us that her father did retire with recognition from the University. However, she sadly related to us that many of the students whose loans Mang Mel guaranteed neglected to settle their student loans. After forty-five years of service to the University, Mang Mel was only attributed 171 days of work for his retirement pay because all the unpaid student loans were deducted from his full retirement pay of about 675 days. This seems to me a cruel repayment for his kindness.<br /><br />This is a cybercall to anyone who did not get to pay their student loans that were guaranteed by Mang Mel.. Anytime would be a good time to show Mang Mel your gratitude.<br /><br />Mang Mel is not asking for a dole out, though I know he will be thankful for any assistance you can give. So I ask those of you who also benefited from Mang Meliton's goodness or for those who simply wish to share your blessings, please do visit Mang Mel and buy his CD (P350 only) at No. 16-A, Block 1, Pook Ricarte, U.P. Campus, Diliman, <span style="background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1231071061_6">Quezon City</span> (behind UP International House) or contact his daughter Kit V. Zamora at 0916-4058104.<br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_232366091" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=232366091&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=232366091&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=232366091&rssimage=1" border="0" usemap="#bdv_RSS_Ad_232366091" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com1tag:blogger.com,1999:blog-127076872496669608.post-50934279927526582172008-11-28T04:24:00.000-08:002008-11-28T04:27:24.907-08:002008-11-28T04:27:24.907-08:00Swift Codes of Philippine Bank<p>ABN AMRO Bank ABNAPHMMXXX<br />Allied Banking Corporation ABCMPHMMXXX<br />American Express Bank Philippines AMEXPHMMXXX<br />Asia United Bank Corporation AUBKPHMMXXX<br />Australia and New Zealand Bank ANZBPHMXXXX<br />Banco de Oro Universal Bank BNORPHMMXXX<br />Banco Santander Philippines Inc BSCHPHMMXXX<br />Bangkok Bank Public Company Ltd BKKBPHMMXXX<br />Bank of America NA Manila BOFAPH2XXXX<br />Bank of China Manila Branch BKCHPHMMXXX<br />Bank of Commerce PABIPHMMXXX<br />Bank of the Philippine Islands BOPIPHMM<br />Bank of Tokyo Mitsubishi Ltd BOTKPHMMXXX</p> <p><span id="more-18"></span>BSP Payments Unit PHCBPHMDXXX<br />BSP Treasury Department PHCBPHMMXXX<br />Chemical Bank Mla Branch JP Morg CHASPHMMXXX<br />China Banking Corporation CHBKPHMMXXX<br />ChinaTrust Phil Commercial Bank CTCBPHMMXXX<br />Citibank Cash Department CITIPHMXPRA<br />Citibank NA Manila Branch CITIPHMXXXX<br />CitiBank Treasury Unit CITIPHMXTSU<br />Deutsche Bank AG DEUTPHMMXXX<br />Development Bank of the Phil. DBPHPHMMXXX<br />East West Banking Corporation EWBCPHMMXXX<br />Equitable PCI Bank PCIBPHMMXXX<br />Export and Industry Bank EAIBPHMMXXX<br />Hong Kong and Shanghai Bank HSBCPHMMXXX<br />ING Bank NV INGBPHMMXXX<br />International Comm Bank of China ICBCPHMMXXX<br />International Exchange Bank INXBPHMMXXX Evelyn<br />Korea Exchange Bank KOEXPHMMXXX<br />Land Bank of the Philippines TLBPPHMMXXX<br />Maybank Philippines Incorporated MBBEPHMMXXX<br />Metropolitan Bank & Trust Co. MBTCPHMMXXX<br />Mizuho Corporate Bank MHCBPHMMXXX<br />Philippine Bank of Communications CPHIPHMMXXX<br />Philippine National Bank PNBMPHMMTOD<br />Philippine Veterans Bank PHVBPHMMXXX<br />Philtrust Bank PHTBPHMMXXX<br />Prudential Bank PILBPHMMXXX<br />Rizal Commercial Banking Corp RCBCPHMMXXX<br />Security Bank and Trust Corp SETCPHMMXXX<br />Standard Chartered Bank SCBLPHMMXXX<br />Union Bank of the Philippines UBPHPHMMXXX<br />United Coconut Planters Bank UCPBPHMMXXX<br />United Overseas Bank Philippines UOVBPHMMXXX</p> <p>NON- SWIFT PARTICIPANTS<br />Al Amanah<br />Islamic Bank ALAMPHM1XXX<br />Anchor Savings Bank ANCBPHM1XXX<br />Asiatrust Development Bank ASDVPHM1XXX<br />Banco Filipino SMB FIAOPHM1XXX<br />Bank One Savings & Trust Corp ONSTPHM1XXX<br />Bankwise Inc BKWSPHM1XXX<br />BPI Family Savings Bank BPFFPHM1XXX<br />Centennial Savings Bank Inc CNSVPHM1XXX<br />Equitable Savings Bank Inc EQSVPHM1XXX<br />First Consolidated Bank Inc FIOOPHM1XXX<br />GSIS Family Bank GSISPHM1XXX<br />HSBC Savings Bank Inc HSBSPHM1XXX<br />Insular Life Sav & Trust Co ILSTPHM1XXX<br />Isla Bank Inc ISTHPHM1XXX<br />Keppel Bank Philippines Inc KEPHPHM1XXX<br />LBC Development Bank LBCDPHM1XXX<br />Luzon Development Bank LUDVPHM1XXX<br />Malayan Bank SMB MAARPHM1XXX<br />Manila Banking Corporation MABCPHM1XXX<br />Merchant Savings and LA, Inc. MRCBPHM1XXX<br />Mindanao Development Bank MDDEPHM1XXX<br />Orion Savings Bank Inc. ORSIPHM1XXX<br />Philam Savings Bank Inc PHSAPHM1XXX<br />Philippine Business Bank PPBUPHM1XXX<br />Philippine Postal SB PHPSPHM1XXX<br />Philippine Savings Bank PHLSPHM1XXX</p> <p>AB Capital and Inv Corp CAVPPHM1XXX<br />BPI Capital Corp BPAPPHM1XXX<br />BPI Leasing Corp BPLIPHM1XXX<br />First Malayan Lsng & Fin. FMLFPHM1XXX<br />First Metro Investment Corp FMICPHM1XXX<br />Planters Development Bank PLDEPHM1XXX<br />Premiere Development Bank PRDEPHM1XXX<br />Queen City Dev Bank QCDFPHM1XXX<br />RCBC Savings Bank Inc RCSBPHM1XXX<br />Real Bank Inc RLBKPHM1XXX<br />Robinsons SB Corp RBNVPHM1XXX<br />The Palawan Bank PWDBPHM1XXX<br />UCPB Savings Bank UCSVPHM1XXX<br />Multinational Inv Bancorp MUIAPHM1XXX<br />RCBC Capital Corp RCCOPHM1XXX<br />State Investment Trust Inc STIVPHM1XXX</p> <p>OTHER BSP OFFICES<br />CB Housing Fund CBPHPHM1XXX<br />CB Provident Fund CBPFPHM1XXX<br />CB Car Plan Fund CBCPPHMIXXX</p><p>SOURCE: http://www.bsp.gov.ph/financial/payments/PhilPaSS.pdf</p><p></p><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /><br /><p></p><map name="bdv_RSS_Ad_28776987" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=28776987&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=28776987&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=28776987&rssimage=1" border="0" usemap="#bdv_RSS_Ad_28776987" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-69201576904249140302008-10-29T08:47:00.000-07:002009-01-20T02:17:44.164-08:002009-01-20T02:17:44.164-08:00Shameless promotions<span style="color: rgb(0, 51, 0);font-family:lucida grande;" >Hi everyone,</span><br /><br /><span style="color: rgb(0, 51, 0);font-family:lucida grande;" >In my quest for wealth and higher standard of living for myself and my family, I have decided to create a blog to document my journey in accumulating my first million. I admit that the blog http://myfirstmillionpesos.blogspot.com/ is a bit more serious than your typical entertainment blog, but then again wealth management is not something to joke about.</span><br /><span style="color: rgb(0, 51, 0);font-family:lucida grande;" >I hope that through http://myfirstmillionpesos.blogspot.com/ I can help educate people on the efficient and effective management of their wealth be it a million or just a few thousands. If a person can’t manage a few dollars, then how can that same person manage millions, right?</span><br /><br /><span style="color: rgb(0, 51, 0);font-family:lucida grande;" >^^liza</span><br /><span style="color: rgb(0, 51, 0);font-family:lucida grande;" >http://myfirstmillionpesos.blogspot.com/</span><br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_126788203" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=126788203&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=126788203&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=126788203&rssimage=1" border="0" usemap="#bdv_RSS_Ad_126788203" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-17278082485094130242008-10-28T08:20:00.000-07:002009-01-20T02:38:12.979-08:002009-01-20T02:38:12.979-08:00A Good Research Paper<!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:trackmoves/> <w:trackformatting/> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:donotpromoteqf/> <w:lidthemeother>EN-US</w:LidThemeOther> <w:lidthemeasian>X-NONE</w:LidThemeAsian> <w:lidthemecomplexscript>X-NONE</w:LidThemeComplexScript> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> <w:splitpgbreakandparamark/> <w:dontvertaligncellwithsp/> <w:dontbreakconstrainedforcedtables/> <w:dontvertalignintxbx/> <w:word11kerningpairs/> <w:cachedcolbalance/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathpr> <m:mathfont val="Cambria Math"> <m:brkbin val="before"> <m:brkbinsub val="--"> <m:smallfrac val="off"> <m:dispdef/> <m:lmargin val="0"> <m:rmargin val="0"> <m:defjc val="centerGroup"> <m:wrapindent val="1440"> <m:intlim val="subSup"> <m:narylim val="undOvr"> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"> <w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"> <w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 5"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 6"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 7"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 8"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 9"> <w:lsdexception locked="false" priority="39" name="toc 1"> <w:lsdexception locked="false" priority="39" name="toc 2"> <w:lsdexception locked="false" priority="39" name="toc 3"> <w:lsdexception locked="false" priority="39" name="toc 4"> <w:lsdexception locked="false" priority="39" name="toc 5"> <w:lsdexception locked="false" priority="39" name="toc 6"> <w:lsdexception locked="false" priority="39" name="toc 7"> <w:lsdexception locked="false" priority="39" name="toc 8"> <w:lsdexception locked="false" priority="39" name="toc 9"> <w:lsdexception locked="false" priority="35" qformat="true" name="caption"> <w:lsdexception locked="false" priority="10" semihidden="false" unhidewhenused="false" qformat="true" name="Title"> <w:lsdexception locked="false" priority="1" name="Default Paragraph Font"> <w:lsdexception locked="false" priority="11" semihidden="false" unhidewhenused="false" qformat="true" name="Subtitle"> <w:lsdexception locked="false" priority="22" semihidden="false" unhidewhenused="false" qformat="true" name="Strong"> <w:lsdexception locked="false" priority="20" semihidden="false" unhidewhenused="false" qformat="true" name="Emphasis"> <w:lsdexception locked="false" priority="59" semihidden="false" unhidewhenused="false" name="Table Grid"> <w:lsdexception locked="false" unhidewhenused="false" name="Placeholder Text"> <w:lsdexception locked="false" priority="1" semihidden="false" unhidewhenused="false" qformat="true" name="No Spacing"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 1"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 1"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 1"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 1"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 1"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 1"> <w:lsdexception locked="false" unhidewhenused="false" name="Revision"> <w:lsdexception locked="false" priority="34" semihidden="false" unhidewhenused="false" qformat="true" name="List Paragraph"> <w:lsdexception locked="false" priority="29" semihidden="false" unhidewhenused="false" qformat="true" name="Quote"> <w:lsdexception locked="false" priority="30" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Quote"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 1"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 1"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 1"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 1"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 1"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 1"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 1"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 1"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 2"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 2"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 2"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 2"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 2"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 2"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 2"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 2"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 2"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 2"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 2"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 2"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 2"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 2"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 3"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 3"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 3"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 3"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 3"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 3"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 3"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 3"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 3"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 3"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 3"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 3"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 3"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 3"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 4"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 4"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 4"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 4"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 4"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 4"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 4"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 4"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 4"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 4"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 4"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 4"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 4"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 4"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 5"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 5"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 5"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 5"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 5"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 5"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 5"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 5"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 5"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 5"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 5"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 5"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 5"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 5"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 6"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 6"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 6"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 6"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 6"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 6"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 6"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 6"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 6"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 6"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 6"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 6"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 6"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 6"> <w:lsdexception locked="false" priority="19" semihidden="false" unhidewhenused="false" qformat="true" name="Subtle Emphasis"> <w:lsdexception locked="false" priority="21" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Emphasis"> <w:lsdexception locked="false" priority="31" semihidden="false" unhidewhenused="false" qformat="true" name="Subtle Reference"> <w:lsdexception locked="false" priority="32" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Reference"> <w:lsdexception locked="false" priority="33" semihidden="false" unhidewhenused="false" qformat="true" name="Book Title"> <w:lsdexception locked="false" priority="37" name="Bibliography"> <w:lsdexception locked="false" priority="39" qformat="true" name="TOC Heading"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:-1610611985 1107304683 0 0 159 0;} @font-face {font-family:Calibri; panose-1:2 15 5 2 2 2 4 3 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-1610611985 1073750139 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin-top:0in; margin-right:0in; margin-bottom:10.0pt; margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-fareast-font-family:Calibri; mso-bidi-font-family:"Times New Roman";} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt; mso-ascii-font-family:Calibri; mso-fareast-font-family:Calibri; mso-hansi-font-family:Calibri;} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >At the end of the day, no matter how much time and resource were devoted to a topic, the measure of whether a research paper is good is if it met its objectives. If the objective is to persuade readers to take a position, and if after reading the paper people did, then the research paper is good.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" ><span style=""> </span>To meet its objectives a research paper should have a structure: an introduction or background of the topic, an analysis or discussion, and a conclusion or recommendation. The introduction or background should be able to give the uninitiated reader general information on the research topic. After reading the introduction, the average reader should have enough information to understand the analysis and conclusion sections of the research paper. Generally the background section should answer the following questions: What is the research paper all about? How did the research topic evolve? What is the research topic? Simply, the introduction “may discuss the history, status, and significance of the research” (Harper 325).<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" ><span style=""> </span>The analysis or discussion section of the paper must be able to give the readers a complete picture of the research topic. For example, if the purpose of the paper is to persuade readers to take a side in a debate, then the research paper should present both sides of the debate and not show bias towards any side. All sides should be presented to give the readers an unbiased opportunity to decide by themselves. <span style=""> </span>Furthermore, if the background section was a general discussion on the research topic, then the analysis portion is more detailed and extensive. In this section the researcher tries to accomplish the objectives of the paper. He persuades by presenting the different viewpoints of the research topic.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" ><span style=""> </span>The last portion of the research paper – the conclusion or recommendation section – although last is not the least important. As a matter of fact without this section the readers will have a difficulty synthesizing the information given in the previous sections of the paper. This section provides a closure in the sense that the researcher presents his opinions on the topic. Here the researcher integrates the information he gathered into his own opinion. Of course, he should also present a summary of the previous sections of the paper.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" ><span style=""> </span>Lastly, for a research paper to be good the researcher should write clearly – concise, straight to the point and free from grammatical and typographical errors. The lack of grammatical and typographical errors shows the level of commitment of the researcher, that he had devoted considerable time and resources in the writing of the paper. Simply, the researcher should write with style (Lane 64).<o:p></o:p></span></p> <b style=""><span style="line-height: 200%;font-family:";font-size:12;" ><br /></span></b> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><b style=""><span style="line-height: 200%;font-family:";font-size:12;" >Works Cited<o:p></o:p></span></b></p> <p class="MsoNormal" style="margin: 6pt 0in 6pt 0.5in; text-indent: -0.5in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >Harper, F. “Writing Research Reports and Scholarly Manuscripts for Journal Publication: Pitfalls and Promises.” <u>The Journal of Negro Education</u> 75.3 (2008): 322-340.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in 6pt 0.5in; text-indent: -0.5in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >Lane, J. “Making Sense: A Student's Guide to Research and Writing.” <u>Journalism History</u> 33.1 (2007): 64-65.<o:p></o:p></span></p> <br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_243927019" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=243927019&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=243927019&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=243927019&rssimage=1" border="0" usemap="#bdv_RSS_Ad_243927019" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-65151698696614424902008-10-24T02:51:00.000-07:002009-01-20T02:43:38.904-08:002009-01-20T02:43:38.904-08:00a world gone crazy<span style="font-size:85%;"><span style="font-family:georgia;">As I read the news, I can't help but think that the world has gone crazy. However, I also can't help thinking that beneath all that is happening across the global financial markets there is logic. </span>Logic in the sense that what is happening is, as cliche as it may sound it is appropriate for now, 'written in the stars.' Businesses are all about takings risks, calculated risks. Experts have written books, articles -- scholarly or otherwise, news features about risk management for no reason. Risk management had evolved and is continuing to evolve as one of the specialized knowledge in finance and finance management.<br />The problem with this logic, predestined or nor, is not further analysis can't seem to find a credible conclusion on when will the chaos end. Hence, governments and central banks are scrambling to form their own bailout/rescue packages. In our own region, papers and proposals are being produced right and left -- papers and proposals on how our governments and central banks should provide for the inevitability of our economies being affected by the U.S. economic recession.<br />Closer to our territory, financial analysts are predicting that the PSEi will slide as low as 1800. So there goes my condominium fund. Seriously, I think that 1800 is still a high mark. It is election year in the US, and drafting a more comprehensive and IMPRESSIVE bailout plan is close to impossible. Whoever wins needs time to know the ropes. This crisis will last as long as another year perhaps. A year is bad for our local market. It means that foreign capital will continue to be expatriated. Most likely the index can go as low as 1600-1700.<br />Individually, the sectors will do differently. Personally, I think the property sector will do better than the rest as OFW money continue to pour into the country with their higher peso-value.<br /></span><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_257550091" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=257550091&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=257550091&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=257550091&rssimage=1" border="0" usemap="#bdv_RSS_Ad_257550091" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-77211162217435242742008-10-23T20:19:00.000-07:002009-01-20T02:54:00.957-08:002009-01-20T02:54:00.957-08:00financial news of the day<span style="color: rgb(102, 51, 102);font-size:85%;" ><span style="font-size:130%;">Here are the news yesterday that might have a lot of significance on what we do today</span></span><br /><ul><li><a href="http://www.bworldonline.com/BW102408/content.php?id=001">A bad day for the markets</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=002">Nobel laureate warns of 'disastrous consequences'</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=003">Gov't announces new oil find</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=004">Asian leaders to discuss fighting economic storm</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=005">Business groups call for concerted Asia-Pacific effort</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=006">Protracted US recession seen</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=021">Central bank to maintain special deposit accounts</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=022">Metrobank Group wants Philamlife</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=023">Congressmen agree with P1-M deposit insurance coverage</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=041">GMA Network gets more ad minutes, hikes Q3 profits</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=043">PhilEXIM readies P1.4B Upper Tier 2 issue</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=044">Australian miners test waters</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=042">SEC approves ATR KinEng's plan to sell P600M in shares</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=055">Outsourcing drives property sector</a></li><li><a href="http://www.bworldonline.com/BW102408/content.php?id=131">Share prices plummet to three-year low</a></li></ul>Source: Business World<br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_43685899" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=43685899&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=43685899&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=43685899&rssimage=1" border="0" usemap="#bdv_RSS_Ad_43685899" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-28749398106803596302008-10-23T09:04:00.000-07:002009-01-20T04:20:12.787-08:002009-01-20T04:20:12.787-08:00Are Real Options the best approach for valuation of a new high-tech venture?<!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:trackmoves/> <w:trackformatting/> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:donotpromoteqf/> <w:lidthemeother>EN-US</w:LidThemeOther> <w:lidthemeasian>X-NONE</w:LidThemeAsian> <w:lidthemecomplexscript>X-NONE</w:LidThemeComplexScript> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> <w:splitpgbreakandparamark/> <w:dontvertaligncellwithsp/> <w:dontbreakconstrainedforcedtables/> <w:dontvertalignintxbx/> <w:word11kerningpairs/> <w:cachedcolbalance/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathpr> <m:mathfont val="Cambria Math"> <m:brkbin val="before"> <m:brkbinsub val="--"> <m:smallfrac val="off"> <m:dispdef/> <m:lmargin val="0"> <m:rmargin val="0"> <m:defjc val="centerGroup"> <m:wrapindent val="1440"> <m:intlim val="subSup"> <m:narylim val="undOvr"> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"> <w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal"> <w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 2"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 3"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 4"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 5"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 6"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 7"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 8"> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 9"> <w:lsdexception locked="false" priority="39" name="toc 1"> <w:lsdexception locked="false" priority="39" name="toc 2"> <w:lsdexception locked="false" priority="39" name="toc 3"> <w:lsdexception locked="false" priority="39" name="toc 4"> <w:lsdexception locked="false" priority="39" name="toc 5"> <w:lsdexception locked="false" priority="39" name="toc 6"> <w:lsdexception locked="false" priority="39" name="toc 7"> <w:lsdexception locked="false" priority="39" name="toc 8"> <w:lsdexception locked="false" priority="39" name="toc 9"> <w:lsdexception locked="false" priority="35" qformat="true" name="caption"> <w:lsdexception locked="false" priority="10" semihidden="false" unhidewhenused="false" qformat="true" name="Title"> <w:lsdexception locked="false" priority="1" name="Default Paragraph Font"> <w:lsdexception locked="false" priority="11" semihidden="false" unhidewhenused="false" qformat="true" name="Subtitle"> <w:lsdexception locked="false" priority="22" semihidden="false" unhidewhenused="false" qformat="true" name="Strong"> <w:lsdexception locked="false" priority="20" semihidden="false" unhidewhenused="false" qformat="true" name="Emphasis"> <w:lsdexception locked="false" priority="59" semihidden="false" unhidewhenused="false" name="Table Grid"> <w:lsdexception locked="false" unhidewhenused="false" name="Placeholder Text"> <w:lsdexception locked="false" priority="1" semihidden="false" unhidewhenused="false" qformat="true" name="No Spacing"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 1"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 1"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 1"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 1"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 1"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 1"> <w:lsdexception locked="false" unhidewhenused="false" name="Revision"> <w:lsdexception locked="false" priority="34" semihidden="false" unhidewhenused="false" qformat="true" name="List Paragraph"> <w:lsdexception locked="false" priority="29" semihidden="false" unhidewhenused="false" qformat="true" name="Quote"> <w:lsdexception locked="false" priority="30" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Quote"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 1"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 1"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 1"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 1"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 1"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 1"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 1"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 1"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 2"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 2"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 2"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 2"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 2"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 2"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 2"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 2"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 2"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 2"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 2"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 2"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 2"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 2"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 3"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 3"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 3"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 3"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 3"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 3"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 3"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 3"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 3"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 3"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 3"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 3"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 3"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 3"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 4"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 4"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 4"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 4"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 4"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 4"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 4"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 4"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 4"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 4"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 4"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 4"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 4"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 4"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 5"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 5"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 5"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 5"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 5"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 5"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 5"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 5"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 5"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 5"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 5"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 5"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 5"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 5"> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 6"> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 6"> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 6"> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 6"> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 6"> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 6"> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 6"> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 6"> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 6"> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 6"> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 6"> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 6"> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 6"> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 6"> <w:lsdexception locked="false" priority="19" semihidden="false" unhidewhenused="false" qformat="true" name="Subtle Emphasis"> <w:lsdexception locked="false" priority="21" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Emphasis"> <w:lsdexception locked="false" priority="31" semihidden="false" unhidewhenused="false" qformat="true" name="Subtle Reference"> <w:lsdexception locked="false" priority="32" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Reference"> <w:lsdexception locked="false" priority="33" semihidden="false" unhidewhenused="false" qformat="true" name="Book Title"> <w:lsdexception locked="false" priority="37" name="Bibliography"> <w:lsdexception locked="false" priority="39" qformat="true" name="TOC Heading"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:-1610611985 1107304683 0 0 159 0;} @font-face {font-family:Calibri; panose-1:2 15 5 2 2 2 4 3 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-1610611985 1073750139 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin-top:0in; margin-right:0in; margin-bottom:10.0pt; margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-fareast-font-family:Calibri; mso-bidi-font-family:"Times New Roman";} p.MsoHeader, li.MsoHeader, div.MsoHeader {mso-style-priority:99; mso-style-link:"Header Char"; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; tab-stops:center 3.25in right 6.5in; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-fareast-font-family:Calibri; mso-bidi-font-family:"Times New Roman";} span.HeaderChar {mso-style-name:"Header Char"; mso-style-priority:99; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:Header; mso-ansi-font-size:11.0pt; mso-bidi-font-size:11.0pt;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt; mso-ascii-font-family:Calibri; mso-fareast-font-family:Calibri; mso-hansi-font-family:Calibri;} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} /* List Definitions */ @list l0 {mso-list-id:1627546174; mso-list-type:hybrid; mso-list-template-ids:1818633796 67698703 67698713 67698715 67698703 67698713 67698715 67698703 67698713 67698715;} @list l0:level1 {mso-level-tab-stop:none; mso-level-number-position:left; text-indent:-.25in;} ol {margin-bottom:0in;} ul {margin-bottom:0in;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Calibri","sans-serif";} </style> <![endif]--> <p class="MsoNormal" style="margin: 6pt 0in; text-indent: 0.5in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >For a long time, business schools have been teaching their students how to value different investment choices by using the net present value method (NPV) or the capital asset pricing model (CAPM). However, Gilbert said in his article “An Introduction to Real Options” that using either of these valuation methods is inappropriate for investment options with expected future cash flows characterized by significant uncertainties and wherein “management have the flexibility to respond to these uncertainties” (2004, p. x). He suggested the use of real options (RO) valuations for investments with these characteristics – these investments include, but not limited to, high-tech ventures.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; text-indent: 0.5in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >First, Gilbert set the ground rules in order for an investment option to be considered a real option by listing two things that need to take place, at the same time, for real options to exist. These are:<o:p></o:p></span></p> <ol style="margin-top: 0in;" start="1" type="1"><li class="MsoNormal" style="margin-top: 6pt; margin-bottom: 6pt; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >“There must be uncertainty in terms of future project cash flows, and <o:p></o:p></span></li><li class="MsoNormal" style="margin-top: 6pt; margin-bottom: 6pt; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >“Management must have the flexibility to respond to this uncertainty as it evolves” (2004, p. x).<o:p></o:p></span></li></ol> <p class="MsoNormal" style="margin: 6pt 0in; text-indent: 0.5in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >Boer defined real options by making an analogy between real options and financial options (2000). In a financial option<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0.5in; text-indent: 0.5in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >“one can purchase a call option on a common stock. One makes an initial investment to purchase the call. The option may be exercised at a pre-agreed "strike price," which involves a second, but optional investment. The stock is then delivered by the seller of the call and can be liquidated for cash” (Boer, 2000, p. x).<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0.5in; text-indent: 0.5in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >“For example, one might purchase a call on a stock selling at $100 for $5. If the stock rises to $110, one next exercises the call paying $100. If the stock is liquidated, the second transaction nets $10 and the entire transaction $5” (Boer, 2000, p. x).<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; text-indent: 0.5in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" >Furthermore, Gilbert claims that “One of the key differences of the RO approach when compared to the NPV approach from a management perspective is that RO focuses attention on identifying sources of uncertainty and forces management to consider the question of ‘when does a project have sufficient flexibility?’” (Gilbert, 2004, p. x). Hence, the main point in using real options in valuing investments is the techniques used are directly based on the valuation techniques developed and used in financial options pricing. These valuation techniques include “analytical solutions (or approximations) such as the famous Black Scholes model as well as numerical methods such as the Monte Carlo and binomial lattice approaches” (Gilbert, 2004, p. x).<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" ><span style=""> </span>One of the key reasons why NPV, CAPM and other cash flow models have been becoming obsolete in valuing technology-based and related investments is the seemingly widening gap between the cash flow model valuation of a technology stock and the high premium prices. Technology stocks “that are losing money (and hence cannot be valued using price-earnings ratios or multiples of EBIT or EBITDA, and for which there are minimal physical assets, are being valued instead at huge multiples of revenues or projected revenues” (Boer, 2000, p. x). This is in complete contradiction to the principles underlying cash flow-based valuations. For example, in the computation of the net present value of an investment option the investment decision is usually based on how high the net preset value of the investment is which depends on how high the expected future cash flows are.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" ><span style=""> </span>Another reason is pointed out by Smith and Amoruso (2006). High-tech ventures’ value is based on intangibles (Smith & Amoruso, 2006, p. x) and intangibles are rarely included in computing for a company’s net present value or discounted cash flows. However, with all its advantages as a valuation method, real options model does have its disadvantages. Tiwana, Wang, Keil and Ahluwalia argued that “little field research has been conducted to test whether [management] suffer from systematic biases” in using real options in valuing investments (2007, p. x). The authors, based on their study, concluded that management “associate real options with value only when a project's easily quantifiable benefits are low, but fail to do so when they are high” (Tiwana, Wang, KEil & Ahluwalia, 2007, p. x).<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in; line-height: 200%;"><span style="line-height: 200%;font-family:";font-size:12;" ><span style=""> </span>From my readings, I inferred that real options valuation is not a complete avowal from net present value – it is an extension. As a matter of fact, Gilbert says that “[the] valuation of real options starts with the identification of the traditional NPV model” (Gilbert, 2004, p. x) because the NPV model aids in the identification of uncertainties and in the valuation of the real options themselves. From this I can say that using real options is not so difficult because the underlying principles and valuation techniques of the theory are not too complex. From this simplicity, I agree that real options theory is one of the best approaches for valuing new high-tech ventures. However, I believe that this is not the real issue: the valuing technique and tool is not the end, but the means to an end. The real issue here is how the investor synchronizes his business objectives with the investment vehicles he chooses to invest in.<b style=""><br />References</b><o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in 6pt 0.5in; text-indent: -0.5in; line-height: normal;"><span style=";font-family:";font-size:12;" >Boer, F. P. (2000). Valuation of technology using “real options.” <u>Research Technology Management</u>, 43 (4), 26-30.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in 6pt 0.5in; text-indent: -0.5in; line-height: normal;"><span style=";font-family:";font-size:12;" >Gilbert, E. (2004). An introduction to real options. <u>Investment Analysts</u>, 60 (49).<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in 6pt 0.5in; text-indent: -0.5in; line-height: normal;"><span style=";font-family:";font-size:12;" >Smith, G. S. & Amoruso, A. J. (2006). Using real options to value losses from cyber attacks. <u>Journal of Digital Asset Management</u>, 2 (3/4), 150.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 6pt 0in 6pt 0.5in; text-indent: -0.5in; line-height: normal;"><span style=";font-family:";font-size:12;" >Tiwana, A., Wang, J., Keil, M. & Ahluwalia, P. (2007). The bounded rationality bias in managerial valuation of real options: Theory and evidence from IT projects. <u>Decision Sciences</u>, 38 (1), 157-181.</span></p><p class="MsoNormal" style="margin: 6pt 0in 6pt 0.5in; text-indent: -0.5in; line-height: normal;"></p><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><br /><span style=";font-family:";font-size:12;" ><o:p></o:p></span><p></p><map name="bdv_RSS_Ad_193667531" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=193667531&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=193667531&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=193667531&rssimage=1" border="0" usemap="#bdv_RSS_Ad_193667531" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-10080322833585049382008-10-23T05:26:00.000-07:002009-01-20T04:21:03.350-08:002009-01-20T04:21:03.350-08:00financial news of the day<span style="color: rgb(102, 51, 102);font-size:85%;" ><span style="font-size: 130%;">Here are the news yesterday that might have a lot of significance on what we do today</span></span><br /><ul><li><a href="http://www.bworldonline.com/BW102308/content.php?id=001">P100-B fund to shield economy</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=002">Bright spots seen in local property sector</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=003">Emerging markets battered; IMF said ready to provide aid</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=004">Meralco says power rate hike won't be significant</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=005">Gov't approves San Miguel chief's mining venture</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=021">Peso dives at P48.74</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=022">Fed launches new aid program as governments unveil rescues</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=023">Bond spreads hit record high</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=024">GSIS seeks partners, prepares to bid for stake in Philamlife</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=025">Frozen funds rises to P1.41B</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=041">Marubeni eyeing geothermal stake; new consortium readied</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=043">GSIS chief resumes tirades vs MEralco, questions P20B a year in 'rentals'</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=071">Oil firm cut pump prices anew P1 per liter on all products<br /></a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=131">Wall St., Asian markets rout pull down prices</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=101">Seoul sets rescue of constructions sector</a></li><li><a href="http://www.bworldonline.com/BW102308/content.php?id=102">Financial meltdown threatens to burst Russia property bubble</a><br /></li></ul>Source: Business World<br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_265710731" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=265710731&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=265710731&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=265710731&rssimage=1" border="0" usemap="#bdv_RSS_Ad_265710731" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0tag:blogger.com,1999:blog-127076872496669608.post-23993986618114388322008-10-21T22:53:00.000-07:002008-10-22T20:59:39.042-07:002008-10-22T20:59:39.042-07:00financial news of the day<span style="font-size:130%;"><span style="color: rgb(102, 0, 0);">Here are the news yesterday that might have a lot of significance on what we do today<br /></span></span><ul><li><a href="http://www.bworldonline.com/BW102208/content.php?id=001"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Depositor protection stressed</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=002"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Europe, Asia eye common crisis response</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=003"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;"><span style="border-bottom: medium none; background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1224657845_0">Higher power rates</span> ok’d but refund to soften blow</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=005"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Tourism seen growing despite uncertainties</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=021"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;"><span class="yshortcuts" id="lw_1224657845_1">Climate change</span> to hit insurance business</span></span></a></li><li class="MsoNormal" style=""> <a href="http://www.bworldonline.com/BW102208/content.php?id=022"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Britain</span></span><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">’s <span class="yshortcuts" id="lw_1224657845_2">Prudential</span> eyes AIG’s Asian units</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=023"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Peso skids to fresh 1-1/2 yr low</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=024"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Gov’t rejects 10-Y bond bids</span></span></a></li><li class="MsoNormal" style=""> <a href="http://www.bworldonline.com/BW102208/content.php?id=026"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Japan</span></span><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;"> mulls expansion of defenses vs global crisis</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=044"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Airlines cut fares amid easing fuel prices</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=051"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Gov’t mulls hiking price of subsidized rice</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=052"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;"><span class="yshortcuts" id="lw_1224657845_3">Asia</span></span></span><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;"> facing tougher times-Merill Lynch</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=053"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">P17B palay purchase set for ‘09</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=071"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Cost of Mindanao humanitarian aid over P500M says NDCC</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=073"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">P1.7B <span class="yshortcuts" id="lw_1224657845_4">energy efficiency</span>, environment credit line OK’d</span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=075"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Local companies to also cut prices?<br /></span></span></a></li><li class="MsoNormal" style=""><a href="http://www.bworldonline.com/BW102208/content.php?id=131"><span style="font-family:Arial;font-size:85%;"><span style="font-size: 10pt; font-family: Arial;">Local stocks climb amid <span style="border-bottom: medium none; background: transparent none repeat scroll 0% 0%; cursor: pointer; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" class="yshortcuts" id="lw_1224657845_5">Asian market rally</span></span></span></a></li></ul>Source: Business World<br /><form style="border: 1px solid rgb(204, 204, 204); padding: 3px; text-align: center;" action="http://www.feedburner.com/fb/a/emailverify" method="post" target="popupwindow" onsubmit="window.open('http://www.feedburner.com/fb/a/emailverifySubmit?feedId=2548650', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input style="width: 140px;" name="email" type="text"></p><input value="http://feeds.feedburner.com/~e?ffid=2548650" name="url" type="hidden"><input value="myfirstmillion" name="title" type="hidden"><input name="loc" value="en_US" type="hidden"><input value="Subscribe" type="submit"><p>Delivered by <a href="http://www.feedburner.com/" target="_blank">FeedBurner</a></p></form><br /><p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/%7Er/blogspot/wOPB/%7E6/1"><img src="http://feeds.feedburner.com/blogspot/wOPB.1.gif" alt="myfirstmillion" style="border: 0pt none ;" /></a></p><p style="margin-top: 5px; padding-top: 0pt; font-size: x-small; text-align: center;"><a href="http://www.feedburner.com/fb/a/headlineanimator/install?id=2548650&w=1" onclick="window.open(this.href, 'haHowto', 'width=520,height=600,toolbar=no,address=no,resizable=yes,scrollbars'); return false" target="_blank">↑ Grab this Headline Animator</a></p><br /><!-- Kontera ContentLink(TM);--><br /><script type="text/javascript"><br />var dc_AdLinkColor = 'blue' ;<br />var dc_UnitID = 14 ;<br />var dc_PublisherID = 19496 ;<br />var dc_adprod = 'ADL' ;<br /></script><br /><script type="text/javascript" src="http://kona.kontera.com/javascript/lib/KonaLibInline.js"><br /></script><br /><!-- Kontera ContentLink(TM) --><map name="bdv_RSS_Ad_98391979" ><area alt="Feed Ads By BidVertiser.com" shape="poly" coords="0,0,467,0,467,45,315,45,315,59,0,59" href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=98391979&click=1" target="_blank" /><area alt="Feed Ads By BidVertiser.com" shape="rect" coords="315,45,467,59" href="http://www.bidvertiser.com/bdv/bidvertiser/bdv_ref.dbm?Ref_PID=80302&Ref_Option=main&source=112749172" target="_blank" /></map ><p ><a href="http://secure.bidvertiser.com/performance/bdv_rss_rd.dbm?pid=80302&bid=498891&PHS=98391979&click=1" target="_blank" ><img src="http://bdv.bidvertiser.com/BidVertiser.dbm?pid=80302&bid=498891&PHS=98391979&rssimage=1" border="0" usemap="#bdv_RSS_Ad_98391979" /></a ></p >An aspiring millionairehttp://www.blogger.com/profile/12823462221255546696noreply@blogger.com0