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12/7/10

Maxene Magalona Swimsuit









credits goes to the original source:



r
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Jessy Mendiola - "Sabel"








Jessy Mendiola Swimsuit sexy
credits to : Ganaby of Espiya.net

11/22/10

Grand Lotto 6/55 November 22, 2010 Result

Grand Lotto 6/55 November 22, 2010 Result :

as seen in PCSO draw at Channel 4=

22 25 17 50 19 37

the jackpot price is around 550 Million Pesos more or less

11/10/10

The Pearl of Allah

what a story! it depicts how a Filipino values Honor & Faith no matter how much is involved.
The incredible story of the World's Largest Pearl = Pearl of Allah



copied from :
http://www.naturalhistorymag.com/editors_pick/1939_11_pick.html

The Pearl of Allah

The giant clam yielded its 14-pound pearl only after slaying a native diver trapped when its great jaws snapped shut.

CENTURIES of growth in this clam shell matrix may have been required before the pearl could reach its unprecedented size. Here is another of Nature’s masterpieces which Man for all his laboratory cleverness can never match.

My companions and I were in a little fishing village in the outer reaches of the Philippine Islands when news reached us of the discovery of a giant pearl, which today is the largest specimen in the world.

We had pitched camp on the seventh day of May, 1934, and that night after supper we stretched out on our cots in anticipation of a good night’s rest. I was practically asleep when suddenly pandemonium broke loose in the primitive huts of the Dyak tribe in whose fishing territory we had undertaken archaeological excavations. It seemed that every native in the village was screaming at the top of his voice, singing the quaint funeral dirge of the Dyak people. I shoved my automatic in my pocket and went out to investigate.

In the nearest shack I found “Capitan” Popong, an old Dyak who had been my guide on an investigation in the same region two years ago. It was I who had given him the title of “Capitan,” and today no Dvak would ever dare address him by any name other than this. We sat on the floor, and I asked him to tell me the reasons for the wailings and the dirge.

Diver Trapped by a Clam, from a drawing by Joseph M. Guerry

At first he was reluctant, but eventually I learned that his son, who was chief of the tribe, had brought his hungry people only a few days ago to fish in these waters. Bogtong, the young chief, had immediately organized the best divers of the tribe in an expedition to collect conch shells, which they would trade for the fishing implements they so badly needed.

Toward noon, the old man recounted, Bogtong had realized that he had missed Etem, one of his assistants, on the last three dives. All the men were alarmed. Suspecting a giant octopus, they unsheathed their knives and, as one, dove down in search of their missing comrade.

On the fourth dive they found Etem already dead. In his search for conch shells, he had failed to see the giant Tridacna clam which was partly hidden by coral rocks, its huge jaws held open ready to clamp shut with the strength of a hear trap. Etem accidentally got his hand between the shells, which snapped shut, and thus he met his death. With the aid of ropes, the men hoisted their dead comrade and his deep-sea murderer into one of the canoes.

In this locality a death must be fully and satisfactorily explained to the authorities. Bogtong knew there was but one thing to do and that was to take the boy just as they had found him with his left hand still in the grip of the giant shell to Panglima Pisi, the Mohammedan chief, who acts as the local notary public. There they would ask their old friend to sign an affidavit describing the death of the boy and absolving his six companions from any blame.

After three hours of hard paddling they reached the mouth of Boligay Creek, where they turned and headed for the little bamboo bridge just below the road leading to the Panglima’s house. After being welcomed with the usual formal greetings, Bogtong explained his mission to the old man. Offering a cigar to Bogtong and lighting one himself, the Panglima asked to be shown the body.

The scene that greeted the old man’s eyes at the creek reminded him sadly of his younger days, when he was the owner of the largest pearl fishing fleet in the Sulu Sea. He told the young men of two similar accidents that had happened in his own fleet and how he had hoped to be spared the sight of another such disaster. Motioning for Bogtong to follow, he led the way to the house.

When the old Panglima had finished writing, he folded one of the copies and handed it to Bogtong. Bogtong thanked the old man and asked him if he might leave a canoe-load of the conch shells for the service rendered. Smiling one of his rare smiles, the old man said, "You may leave me the conch shells if you wish, but please give me the giant clam that caused the death of your companion. I would like to keep it here on my porch to remind me of my pearl fishing days."

At this point in his tale, Capitan Popong fell silent for a moment, then continued:

“About two hours ago as they returned here in their canoes, they saw the light of a strange lamp in the center of the village. Bogtong motioned for silence. He thought it might be that the tax collectors had come on their annual rounds. Leaving his men with their conch-filled canoes hidden in the shadows along the shore, he crept close to the strange tent. Then he gave a sigh of relief, for he recognized your features, my friend. He was one of the men who helped you pull your motor launch free from the sand bar when you were stuck on the Iwahig River two years ago.

THE AUTHOR Mr. Wilburn Dowell Cobb shown holding the fluted “jaws” of the huge Tridacna clam which took the life of a native diver and yielded the world’s largest pearl. It is not unusual for a diver to be caught in the jaws of one of these giant clams, which clamp shut with the suddenness and strength of a bear trap, leaving him helpless to drown.

Dyak dirge

“Bogtong ran back for his men, sent one of them for me, and I joined the boys at their task. Five of them gently lifted the dead Etem in their arms, and with Bogtong holding a torch and leading the way, they laid the body in Bogtong’s shack. Then my son, after telling me the story of their sad trip, picked up the old buffalo horn and blew on it the long-drawn-out death call of our tribe.”

Startled out of their sleep, the cabins had come to life one by one. Frightened, anguished faces filled the door of the hut where the body lay. At the sight of the drowned boy, the whole tribe broke out into the mournful prayer and wailing for the drowned.

“This, my friend, is the bedlam that awakened you. We will keep praying until sunrise, and then again until sunset, and yet again—for three nights. Because if we do not, the devils of the sea will keep Etem’s soul forever.”

Saddened by the tale, I watched them bury Etem the next morning under the shade of a coconut tree. His grave was fenced in with strong bamboo stakes to keep the wild boar and other scavengers from disturbing it. After harvesting the rice here in the lowlands, the tribe would come back for the remains of Etem, which would then be carried back to their mountain home and there buried properly.

I was very anxious to see the giant clam that had killed a man, so after the three nights of praying and wailing I asked Bogtong to guide me to Panglima Pisi’s home at Boligay. And that afternoon, after leaving Capitan Popong in charge of my party, Bogtong and I set out for Boligay.

PANGLIMA Pisi, the Mohammedan chief who first owned the pearl. He saw in its shape a resemblance to Mohammed and out of religious veneration refused to sell it.

The sacred pearl

Nearing the Panglima’s house, we were greeted by sounds that seemed to be the climax of some Mohammedan celebration. Mingled with the beating of gongs could be heard the singing of women, while the men, who must have lost their voices because of incessant shouting, were doing the spear dance to the rhythm of the brass gongs. I knew it would be dangerous for a Christian to venture forth while such a celebration was in progress, so I sent the young chief ahead to investigate. He was gone for about two hours. It was late in the evening when he returned with the story of the celebration.

It appeared that when they left the giant clam on the Panglima’s porch a few days before, a strange incident had occurred. As the aged Mohammedan chief watched his men remove the meat from the shell, he suddenly saw an enormous pearl. Seizing it in his hands, he examined the surface and discerned the image of a turbaned face, formed by nature on one of the sides. In this image the Panglima was startled to discover a resemblance to Mohammed. Then as his excited servants stood in awe, the old man prostrated himself before the pearl and began to pray. It was this act of religious devotion that incited the frenzied celebration throughout the whole tribe which we were now witnessing.

Having at first merely expected to see a clam that had killed a man, you may imagine my eagerness to glimpse the pearl that it contained, with the image of a turbaned face. I never dreamed how big it might be. But Bogtong restrained me from going into the midst of the celebration. He suggested that I let him keep an eye on the settlement, and he would let me know when it would be safe to approach the Panglima. I agreed to this and we returned to our camp.

About two weeks later Bogtong presented himself in my tent. He was ready to take me to Boligay, the celebrations having subsided and the Mohammedan having returned to their usual daily chores. Upon arriving at the Panglima’s house, I found preparations had been made for me to pay him a prolonged visit. The etiquette of the Mohammedan people would prevent me from talking business until four days of festive hospitality had passed.

It was in the early afternoon of the fourth day of my visit, while having tea with the family, that I asked to be shown the pearl. The Panglima called an attendant, who came out and laid the pearl before us on the table. When I first saw the pearl I could hardly believe my eyes. There on the table in front of us lay the largest pearl ever beheld by human eyes. The gigantic gem weighed fourteen pounds, one ounce. It was nine and a half inches long and five and a half inches in diameter, and glowed with a highly reflective, satiny sheen. Two more attendants entered, carrying the half of the shell in which the pearl was found, and the old Panglima laid the pearl in its former bed. It seemed as though I were looking at a pearl that might have been taken from the pages of the Arabian Nights.

I asked my host to name his price, but was kindly but firmly told that the pearl was not for sale. Smilingly, the Panglima said, “It would be a sacrilege for me to part with this pearl. A pearl with the image of Mohammed, the Prophet of Allah, is earned by devotion, by sacrifice, not bought with money. I may not be a millionaire but I defy the richest man in the world today to show me a similar pearl. Please excuse my words, my friend, but the satisfaction of owning the largest of all pearls is to me worth more than mere money.”

THE SON AND HEIR of the Mohammedan chief surrounded by attendants. When author Cobb cured the boy of malaria, the chief pressed upon him the sacred pearl as reward.

I was disappointed at not being able to purchase the pearl. Still, I could not help but admire the old Panglima’s logic. We bade farewell then, and soon after I prepared for my return to Manila.

Two years passed. I had long been away from the Panglima’s land. The giant pearl had not passed from my mind, but I remembered it now only as a fabulous experience I had once had which survived in my tales to friends. Sometimes I was piqued because I could see that my audience did not believe the gem to be as beautiful, as large, and as mysterious as I tried to depict it, and then the old longing to possess it came over me.

But on this April day in 1936, I was not thinking of the pearl. I was celebrating my birthday with my brothers in our home in Manila, wondering where I would spend my vacation during the hot season, when a postman arrived with a letter. It was from Bogtong—no doubt written for him by some village school teacher—telling me of the discovery of an ancient burial ground located just south of Panglima Pisi’s residence. This seemed the answer to my vacation plans and I prepared to leave for Boligay Creek immediately.

I had hardly arrived and was in the midst of preparing to start my digging, when Bogtong came to visit me. He said in a very excited manner that Pula, the Panglima’s son, was mortally stricken with malaria and that he wished my help. Leaving the party in charge of my head boy and giving Bogtong my first-aid kit to carry, we hurried to the old Panglima’s residence.

We were met on the porch by the Panglima himself, who with tears in his eyes led us into the room where the boy lay. Looking at Pula, I hardly recognized him. He lay in what I thought to be an unconscious state, but he was aware of our entry, for opening sunken, staring eyes, his face a ghastly greenish yellow, he said, “Mr. Cobb, help, please help me. I am dying!”

I felt the boy’s forehead and pulse. He was burning with a severe malarial fever, a type very often mistaken for the dreaded blackwater fever. Leaving Bogtong with the sick boy, I asked the Panglima to step outside with me.

Confronting the heart-broken father, I gave him the bare facts of the case, and told him that if they were to continue the old quinine treatment, the boy would be dead inside of a week. There was only one remedy known to science that would cure such an advanced case of the disease, and that was the drug atabrine.

“But where will you get this atabrine?” cried the old man. “My son would be dead before we could have it sent from Manila.” I relieved him with the information that I had a large quantity of the compound with me. Hearing this, the Panglima knelt and pleaded with me, saying that he would give me anything he owned if only I would help his beloved son.

Assisting him to rise from his knees, I promised aid on the condition that I would be given a free hand and would not be interfered with by any of his local medicine men. With a smile of hope on his face, the old man agreed to my terms and went into the sick boy’s room.

An attendant showed me into my quarters. I told him that Bogtong would be my assistant and asked him to bring the young chief to me. As he left my room, I realized into what a predicament I had plunged myself. If Pula were to die after I had so much as touched him with the tips of my fingers, my death was assured. These Mohammedans would kill me, thinking, of course, that I had been responsible for his death. However, I had already given my word, so it was too late to change it. I decided to go ahead with the treatment, hoping the boy was not so far gone as to be beyond help.

SHOWN IN THE FULL LUSTER of its natural sheen, the world’s largest pearl is compared to one on an expensive jeweler’s ring.
AMNH photo

About seven that evening the periodic fever of my patient had subsided a little, but he was still too weak to take atabrine by mouth, so I gave the doses by intramuscular injections. We took turns watching the boy day and night. For four days he seemed to hover between life and death. But on the fifth day the fever abated and from then on he steadily improved. The fever had burned him to skin and bones, and he was still helplessly weak. I had to devise some way of helping him to recover his strength, so I ordered him to be carried to the sea in front of his house for a daily three-minute dip. At first he seemed exhausted by this routine, and I could feel the strong though silent disapproval of the Panglima. But I persisted, and my luck held, for with this daily stimulant, Pula began to look more like himself. Finally he was able to join Bogtong and me in fishing and hunting, perfectly restored. Later they both took an interest in my digging and often joined me at the site.

But at length my work drew to a close. My patient was well again, and nothing could hold me longer with my pleasant friends. At dinner that night I announced that I must return to Manila. They all expressed sorrow at losing me, and the Panglima asked me how much he owed me for treating his son. I told him that he did not owe me anything, that he was my friend, and so was his son, and to me the continued friendship of the entire family was compensation enough. This surprised the old chief, and he became silent. He called an attendant and whispered something to him. The man left the room and a few minutes later returned holding the largest pearl in the world in his hands. He placed it in front of the old man.


The Panglima speaks

The Panglima laid his hand on the pearl and said, “Mr. Cobb, one week before you came, I knew that my son was mortally ill. I have seen so many of my tribe die of the disease, I was terrified. Quinine, the only remedy that we know, did not seem to do any good. I was helpless, I did not know what to do. That night, holding this pearl in my hands, I prayed to Allah for help. In my prayers I vowed to Allah that however much I valued this pearl I would willingly give it to anyone that he could send to help me save my son. As though to test my sincerity, you came.

“I remembered that two years ago you tried to buy the pearl. I wondered then if you were the man that would save my son from his affliction, but you were a Christian, and it hardly seemed possible. Then I took you to the sick boy’s room, and when Pula, who had been delirious for three days, saw you, recognized you and asked you to help, I thought that you might be the one.

“Well, my friend, you saved my son’s life. Mr. Cobb, we are just on the outskirts of the jungle, where generally life is bought with life. This pearl was dearly paid for with the life of a young man. Now you have bought the pearl from me with the life of my only son as your payment. What more could a father ask? You have saved my son, and you have earned your reward. Here, my friend, claim this, your pearl.”

Today the pearl is on display at Ripley’s exhibit on Broadway, where it may be seen for perhaps a month longer.

A remarkable specimen

As Dr. Roy Waldo Miner of the American Museum, who has examined it, explained, this specimen, while so many times larger than any of the pearls we are familiar with, can be truly called a pearl. It was formed on the inside of a shell as all pearls are, presumably by some foreign body being imbedded in the shell material, perhaps when the shell clamped suddenly shut. The natives who found it, who are keen observers of natural history and have good opportunity as pearl divers to observe undersea life, believe that the foreign body which started the pearl growing was probably a small piece of brain coral. Some such origin as this is not contradictory to what is known about the formation of pearls. Where it was joined to the clam shell the successive layers can be seen in cross section.

As in any pearl, the surface appearance of this one gets its quality from the inner layer of the clam shell that was its host. The color of this giant pearl is pure lustrous white.

No one can say how old the pearl may be, for, as Doctor Miner points out, no scientific study has yet accurately determined the rate of growth of one of these giant clams. The natives thought that possibly 450 years had passed since the clam was the size of a fist, and that the pearl may have started growth when the clam was 100 years old.

That such a phenomenal pearl should have been found is surely exciting enough, but I constantly wonder over the strange coincidence that the clam which produced it should have taken the life of a native diver and that, even in a part of the world that is surrounded with so much romance and mystery, its story should also have been so remarkably connected with the saving of another life.

10/3/10

RR Enriquez sa Yate







credits to the original source of these photos

Personal Branding Tips from Think Like a Billionaire by Donald Trump - Presentation Transcript

  1. Trump: Think Like a Billionaire Author: Donald J. Trump & Meredith Mclver Publisher: The Random House Publishing Group Year: 2004 Pages: 288
  2. Power Tip #1
    • The world has 587 billionaires.
    • You must think like them to become one.
  3. Power Tip #2
    • Cultivate a short attention span. You save time when you make others get to the point. To have a competitive edge, minimize downtime, vacations and sleep.
  4. Power Tip #3
    • Treat every decision as unique and critical.
    • Your success is the sum of your decisions.
  5. Power Tip #4
    • Great promotion stems from success.
    • Promotion is easy if you are the best
    • at something.
  6. Power Tip #5
    • To be a great investor, be a diligent student. Build a powerful financial IQ.
  7. Power Tip #6
    • In real estate, picking a great location depends on using your instincts and visualizing the site's potential. Fire any broker who isn't responsive and who doesn't listen.
  8. Power Tip #7
    • All mortgage brokers sell the same thing – money. Thus, mortgages should always be negotiated. Never accept the first offer.
  9. Power Tip #8
    • Always be tough with contractors or they won't respect you.
  10. Power Tip #9
    • Love your job. Support your friends. Trust your family. Prioritize loyalty.
  11. Power Tip #10
    • Money can't buy happiness, but it sure can buy a lot of other things.
  12. Power Tip #11
    • Why Not You?
      • To succeed, learn to think like a billionaire.
  13. Power Tip #12
    • “ There’s no such thing as personal and work business; it’s simply your business, 24 hours per day. You are your own storefront, your own manager and your own brand, so don’t screw it up by making bad business decisions in life.” – Donald Trump
  14. Power Tip #13
    • Don’t take vacations – Enjoy your work so much that it doesn’t feel like work. Trump works nonstop and enjoys it. His kids are part of the family business.
  15. Power Tip #14
    • Have a short attention span – Most successful people share this trait. They know what other people are going to say, so they try to cut to the bottom line. This saves a lot of time.
  16. Power Tip #15
    • Don’t sleep any more than you have to – Trump goes to bed at 1 a.m., and rises at 5 a.m. Spending less time sleeping gives him a competitive edge. Always seize any advantage.
  17. Power Tip #16
    • Don’t depend on technology – Trump doesn’t use an intercom. He explains, “When I want someone in my office, I yell. It works a lot better than an intercom, and it’s much faster.” He doesn’t have a computer on his desk, either.
  18. Power Tip #17
    • Think of yourself as a one-man army – You’re a foot soldier, as well as a general. You have to plan and execute your strategy by yourself.
  19. Power Tip #18
    • It’s often to your advantage to be underestimated – Of course, you don’t want people to think you’re a pushover. However, it is often to your advantage if they don’t think you’re the smartest guy in the room.
  20. Power Tip #19
    • Success breeds success – To make an impact, you need to be successful or you need to create the impression that you are.
  21. Power Tip #20
    • Treat each decision like a lover – Sometimes you feel love at first sight: you decide right away. At other times, you take your time and invite others to share their opinions. That’s like a long engagement. As with love, respond on a deep level. Don’t over think things.
  22. Power Tip #21
    • “ Vast fortunes are accumulated through dozens of decisions a day, thousands a month, and hundreds of thousands in a career.” - Donald Trump
  23. Power Tip #22
    • Be curious – Strive to understand your world. Try to understand how things really work.
  24. Power Tip #23
    • How to Pick a Location
      • When investing, consider buying property in a marginal neighborhood. You’ll save on taxes and you’ll make money if the neighborhood improves.
      • Study a property’s tax history, and look for indicators (such as a new school nearby) that taxes may be going up.
  25. Power Tip #24
    • “ Real estate is at the core of almost every business, and it’s certainly at the core of most people’s wealth. In order to build your wealth and improve your business smarts, you need to know about real estate.” – Donald Trump
  26. Power Tip #25
    • How to Sell a House
      • Use a broker to sell your home. A good broker should be responsive, and listen to your views and concerns. If your broker is constantly late or doesn’t return your calls promptly, just say, “You’re fired!”
      • Find one who specializes in the type of property you’re interested in buying. Avoid brokers who are pushy; the best ones are usually sincere and caring. The fee you pay to an excellent broker could be one of your best investments.
  27. Power Tip #26
    • How to Get the Best Mortgage
      • Educate yourself before you visit your local banker.
      • Buying property works best when you have multiple options, and the same is true of mortgages. Ask lots of questions, shop for the best rate and never hesitate to bargain.
      • Never accept the first deal a mortgage loan officer submits; always negotiate. Look for hidden costs. All the sellers are selling the same product: money, so mortgages are made to be haggled over.
  28. Power Tip #27
    • How to Deal with Contractors
      • If you really want to find a great contractor, ask prospects for the names of 10 jobs they’ve worked on in the past year or two, and don’t settle for fewer than 10.
      • Always be tough on your contractors or they’ll think you’re weak. Be clear up front about the expected timing and your intention to keep to the budget. The more knowledgeable you are, the better the chances are that your contractor will respect you and work well on your behalf
  29. Power Tip #28
    • How to Know Whether Someone Is Loyal
      • Loyal people perceive the hard work that enabled you to succeed. Surround yourself with people who would stand by you tomorrow if you went broke.
  30. Power Tip #29
    • How to be a good investor
      • Investing well requires a high financial IQ.
      • To be a good investor, become a great student of investing.
      • Look everywhere for the information you need to invest wisely. Strive to understand the deeper meaning behind market indicators.
  31. Power Tip #30
    • “ If you want the best, you’d better be the best – in all aspects of business.”- Donald Trump
  32. Power Tip #31
    • How to promote yourself
      • Promotion comes from success, not the other way around. Keep that sequence in mind. Part of having a sense of who you are depends on promoting the right image of yourself every day. You’ll never think like a billionaire until you have a sense of your own identity and purpose.
  33. Power Tip #32
    • How to make good friends
      • Take time to learn about the details that are important to your friends. This is an important part of your bond. It helps to have friends with a similar level of confidence, so that envy and jealousy don’t get in the way.
  34. Power Tip #33
    • How to hire an attorney
      • Get a referral for a good attorney by calling the relevant bar association. However, don’t rely on your mortgage broker to refer a real estate attorney to you. This would create an automatic conflict of interest; the lawyer could only recommend termination of your mortgage negotiations by working against the broker who referred him or her to you.
  35. Power Tip #34
    • How to get an appraisal and a building inspection
      • Use an inspector if you’re taking out a mortgage on a property. The inspection should be thorough; if the inspector rushes, find another inspector.
      • Don’t assume that a newly constructed project doesn’t need an inspection; new buildings often have the worst problems.
  36. Power Tip #35
    • “ How to landscape”
      • Hiring a reputable landscape firm and putting it to work can add tremendous value to any property.
      • Ask your friends and neighbors to recommend a company with a good reputation.
      • Visit previous job sites to see the landscaper’s work. Check how much maintenance will be required; installing a high-maintenance landscape can be counterproductive.
  37. Power Tip #36
    • How to decorate interiors
      • Look for an interior decorator who will help you refine and express your own aesthetic sensibilities.
      • Do check all the invoices and negotiate the commission downward. The best decorators combine business smarts with artistic abilities.
  38. Power Tip #37
    • How to say No
      • When reading a contract, distill the language into plain information. Saying “no” is a lot easier when you can articulate your reasons.
      • Accept it at face value when people are not nice or are unfriendly. Being tough with pleasant people is actually more difficult. You can control unpleasant people since saying “no” to them is easy.
  39. About the Author
    • Donald John Trump (born June 14, 1946 in Queens, New York, United States) is an American business executive, entrepreneur, television and radio personality and author.
    • He is the CEO of the Trump Organization, a US-based real-estate developer, and the founder of Trump Entertainment, which operates several casinos.

9/19/10

Top 10 SME techniques and other 'mini-tips'

Top 10 SME techniques and other 'mini-tips'

By Jimbo Owen B. Gulle, illustrations by Frantz Arno Salvador

from Entrepreneur Philippines Magazine, March 2009


Like most corporate executives, owners of small and medium enterprises (SMEs) guard their business secrets zealously, sometimes to the point of not wanting any publicity for their companies.

Among other reasons for shunning the spotlight, they fear that copycats might steal their proprietary ideas and practices and create rival enterprises that could edge them out of the market.
Among these cautious CEOs is an entrepreneur whose company is one of the best peforming SMEs.

On condition of not being identified, he agreed to share with the new generation of entrepreneurs the lessons he has learned from running his various businesses for many years now.

Here are his strategies:

1. Think long term
As one who had inherited his father's business, he believes that new owners of a business should realize early enough that they will be in it for the long haul.

"To realize profits in a business sometimes takes more than five years," he says. "You have to first prove yourself to your customer before you could even get a foot in his or her door. And even if you find it easy to get in, it could also be easy to get thrown out.Also, you have to be like a chess player, able to think several moves ahead. Being shortsighted is very costly in business."

2. Let your lieutenants run the shop
He believes that although an owner should really know his business inside and out, he should not spend too much time in its day-to-day operations. The company's managers can do this while the owner uses his time- at least a third of his time each day, he says -- doing research and development, thinking of ways to grow the business and to do it better. "Imagine your role as the conductor of an orchestra, creating an ensemble of sound," he explains.

3. Use technology to stay in touch
He says that the business landscape has improved dramatically with the development of mobile technology and the Internet, such that a businessman today can always stay connected, make decisions, and close deals even when he's out of the office. "A CEO can now operate even without a secretary or a physical office, and he no longer needs to type out letters or carry documents with his either," he says.

4. Connections are still important
Even in this era of instant messaging, he says, it's still worthwhile to cultivate friendships and business alliances because it will help a businessman find leads for getting more business. "Before, an opportunity would find a person," he says."Today, you have to find that opportunity, and showing up in person is one way to do it."

5. Try to find the "loopholes"
He says that business before wasn't as elaborate, plentiful, covergent, and encompassing as it is today. "Before, there were a lot of 'pockets' but also a lot of holes," he explains. "Now there are no more holes, because chances are somebody else has already found them."

Where can one find these holes? He suggests trying to look at possible mergers or acquisitions of companies within your industry and finding out where the gaps are in their business, then having your business fill those gaps.

6. Recognize who you are, where you are, and what your abilities are
He says that a businessman shouldn't be so egotistic as to think that he doesn't need other people to help him. A good businessman, he adds, must also learn to be "rational and not emotional, to be focused without losing the big picture, and to be able to fit the 'micro' with the 'macro'." The minute a businessman wants to do everything, he says, his business is as good as gone.

7. Involve people from outside your company
He says this should be done not just in the sense of outsourcing work. For instance, he explains, a businessman can "use" his suppliers as a source of information about how competitors are doing and how the insudtry is moving, and the businessman can also ask salesmen and other middlemen to bargain for discounts or better prices from suppliers or big vendors.

8. Learn to piggyback on your customers' success, but know that loyalty is fleeting
"In business, if a customer slumps, so will you," he says. "There's no such thing as loyalty in today's business world anymore. Before, the attitude ran like this: 'All our suppliers are our partners, so we will support them for the long term.' But for today's customers, no supplier is indispensable. Every contract is up for open bidding, and it applies to all, friend or stranger alike."

9. Cut the middleman and go straight to the source
While this may go counter to his earlier advice about using middlemen as bargaining agents with suppliers, he emphasizes that nothing beats dealing with the other business owner yourself. He explains: "To get the price you want, you can use the middleman as an ally. This is because he or she knows the supplier better than you. But I say that they are only intermediaries, to be used as a 'profit center' while you are still awaiting the final say of the other business owner."

10. To make more profits, watch your margins and limit your waste
He says that this involves more than just cutting costs. For instance, he explains, printing companies often generate a lot of wasted paper, plastic, foil, and other printing materials because they need to allocate a certain width on each sheet of the printing area for trimming. This, he says, is usually considered an acceptable loss and a normal part of the production cost.

But he says that if businesses only learned to reduce that trimming area by even a few millimeters, the saved trimmings "would most likely equal their profit margin." He also suggests that businessmen should also learn how to take small orders to reduce the cost of big orders, which take more time and resources to produce. "So learn how to collect these 'crumbs' to make your money," he says.

Wrapping up the interview with Entrepreneur, he cites the following "mini-tips" as having also helped him succeed in his line of business:

*Service is still paramount, so empower your customer at all times;
*Beating the system is the key to creating your business niche;
*If you acquire things easily, you will likely also lose them easily;
*Price your products and services to your market; and
* Be prepared to take a risk when needed.

5/3/10

Andi Eigenmann 2 piece

from espiya.net

Marian Rivera in bikini






Karylle Nip Slip

Nip slip by Karylle from ASAP boracay.
it maybe true or edited.

3/26/10

Anne Curtis Nip Slip

Anne Curtis Nipple Slip at ASAP Boracay show

1/7/10

Tips Before Buying Real Estate in the Philippines

Tips Before Buying Real Estate in the Philippines

Here are tips a buyer must remember before buying any property in the Philippines, specially if you are buying a single property from an individual:

1. Make sure the "Transfer Certificate of Title" is authentic. The easiest way to check if the title to the property you are buying is authentic is by getting "Certified True Copy" of the title from the Register of Deeds. This office is usually located at the city or municipal hall where the property is located. Ask the seller of the property for a photocopy of the title -you will need the title number and the name of the owner to get a certified true copy of the title from theRegister of Deeds.

2. Verify that title is clean - meaning the property is not mortgaged (no liens & encumbrances on the property). You can see that at the back of the title with the heading "Encumbrances". This page must be empty if you are told that the title is "clean". But sometimes the space for the technical description ofthe property on the front page of the title is not enough and the description of the property is continued on the "Encumbrances" page, this is of course all right.

3. Make sure that the land described on the title is really the land that you are buying. You can validate this at the Register of Deeds or by hiring a private land surveyor or a geodetic engineer. Land titles don't have any street name and number to pin point a property, it is a must to confirm that the actual property you are buying matches the technical description on the TransferCertificate of Title.

4. Make sure that the sellers are the real owners. If you are buying from an individual property owner, ask for identification papers like passport or driver's license, it is also a good idea to talk to the neighbors or the Barangay Captain to confirm the identity of the sellers (you might as well ask some history ofthe property).

5. Confirm that the yearly real estate taxes are paid. Ask for certified true copies of the Tax Declaration and original Tax Receipts to confirm that real estate tax payments are up to date.

If the above check list is in order, it is generally safe to proceed with the purchase of real estate in the Philippines.

source:http://real-estate-guide.philsite.net

Posted on: Feb 09, 2009, 05:30 AM
Taxes, Commission & Registration

This is the standard sharing of expenses between the buyer and the seller when transferring the real estate property title (tct - Transfer Certificate of Title or cct - Condominium Certificate of Title) to a new owner:

The seller pays for the:

* Capital Gains Tax equivalent to 6% of the selling price of the property. (Withholding Tax if the seller is a corporation)
* All unpaid taxes due (if any).
* Agent / Broker's commission.

The buyer pays for the:

* Documentary Stamp Tax - 1.5% of the selling price or zonal value or fair market value, which ever is higher.
* Transfer Tax - 0.5% of the selling price, or zonal value or fair market value, which ever is higher.
* Registration Fee - 0.25% of the selling price, or zonal value or fair market value, which ever is higher.

Incidental and miscellaneous expenses incurred during the registration process.
The above sharing of expenses is the standard practice in the Philippines. However, buyers and sellers can mutually agree on other terms as long as it is done during the negotiation period (before the signing of the "Deed of Sale").

The "Deed of Sale" or "Deed of Absolute Sale" is the document showing legal transfer of real estate property ownership. The deed of sale is then taken to the Registry of Deeds to be officially recorded after paying the documentary stamp, transfer tax and registration fees. Always verify from the Registry of Deeds the authenticity of a TransferCertificate of Title before buying a property. If the seller only has a tax declaration, be extra cautious and check with neighbours, the Barangay captain or anyone in the know in the community to verify the seller/owner's true identity andthe property's history.

Your Agent / Broker will usually do the registration process (sometimes for a fee), however, all government , taxes, transfer fees and incidental or miscellaneous expenses will be shouldered by the buyer.

Documents needed when transferring the title (tct or cct) to the new owner:

* Certified true copy of the title
* Copies of the Deed of Absolute Sale
* Latest tax declaration of the property
* Certificate from the Bureau of Internal Revenue that the capital gains tax and documentary stamps have been paid
* Receipt of payment of the transfer tax and registration fees

An adapted form of the "Torrens" system of land registration is used in the Philippines. The system was adapted to assure a buyer that if he buys a land covered by an Original Certificate of Title (OCT) or the Transfer Certificate of Title (tct) issued by the Registry of Deeds, the same will be absolute, indefeasible and imprescriptible.

source:http://real-estate-guide.philsite.net




Steps and Procedures of Real Estate
Sale Documentation and Registration


step 1: city/municipal assessor’s office
secure the following:

1. Certified True Copy of Tax Declaration (House and Lot)
2. Certificate of No Improvement (If vacant lot)
2 Original Copies – 1 for bir and 1 for Register of Deeds

step 2 : city/municipal treasurer’s office
secure a tax clearance

*In order to secure a Tax Clearance, Real Property Tax must be updated as of date of document of sale.

step 3: bureau of internal revenue
pay the following:

1. Capital Gains Tax (6% for individual seller or 7.5% for corporation)
2. Documentary Stamps Tax (1.5%)

Note:
*Capital Gains Tax and Documentary Stamps Tax shall be based on Selling Price (per Deed of Sale)
, Market Value of Tax Declaration, or bir Zonal Value, whichever is higher.

*Form for Capital Gains Tax can be secured from the bir or can be downloaded from the bir website http://www.bir.gov.ph

Requirements:

a. Photocopy of Certified True Copy of Transfer Certificate of Title
b. Certified True Copy of Latest Tax Declaration
c. Real Estate Tax Clearance
d. Original and two (2) Photocopies of Deed of
Absolute Sale
e. Certificate of No Improvement from the Assessor's Office if vacant lot.

Additional Note:

a. Payment for Capital Gains Tax and Documentary Stamps Tax shall be in cash or in managers check, to be paid to the bir Regional office or bir-authorized banks where property is located.

b. Capital Gains Tax shall be filed and paid to the bir within thirty days from date of sale.

c. Documentary Stamps Tax shall be paid on or before the 5th day of succeeding month from the
date of sale.

step 4: city/municipal treasurer’s office
Pay the Transfer Tax at the Treasurer's Office.
Requirements:

a. Photocopy of Deed of Absolute Sale
b. Photocopy Transfer Certificate of Title
c. Photocopy of Tax Declaration
d. Photocopy of Real Estate Tax Clearance

*Transfer Fee is 1/2 of 1% of Selling Price or Market Value of Tax Declaration, whichever is higher

step 5: register of deeds
Submit to the Register of Deeds where property is located the following documents:

a. Owner's Duplicate Copy of Transfer Certificate of Title
b. Deed of Absolute Sale (3 copies)
c. Certificate Authorizing Registration from
the bir
d. Transfer Fee Receipt
e. Photocopy of Real Estate Tax Clearance
f. Photocopy of Tax Declaration or if vacant lot, Certificate of No Improvement

a new title under the new owner’s name will be released by the rd

reminder: The owner or the broker as authorized by the owner should be the one to present the above documents to the Register of Deeds because the new tct shall be released only to the presenter of the above documents

step 6: city/municipal assessor’s office
Secure from the Assessor's Office a new Tax Declaration.

Requirements:

a. Photocopy of Transfer Certificate of Title under the new owner’s name, duly authenticated at the Assessor's Office
b. Photocopy of Deed of Absolute Sale
c. Real Estate Tax Clearance

important:

Always bring Certified True Copies of the documents as well as necessary receipts to avoid inconvenience in case you will be required to present them.

« Last Edit: Feb 11, 2009, 04:51 AM by litb »

Taken from:
http://www.pinoymoneytalk.com/forum/index.php?topic=17911.0