MAKING A POSITIVE MOVE IN THIS HARD TIMES

Everything in this world involves risk. That is a fact that we have to live with it. Considering the financial difficulty that many countries are experiencing right now making people to be hesitant to make a move with regards to their finances. We must making things work for us and make moves that would benefit our future. To have a Premium Finance is the first step to make positive impact for our future. This is what I learned when I attended a seminar regarding managing finances in this global difficulties. Instead of just keeping your money in a piggy bank, it would be best to place it in a premium finance investment to make it grow. After that seminar, I immediately place my money in a premium finance site to help me build my future. For those who are interested to have a premium finance, just visit www.marsh.com.au and you will find that things that you want to know.

ITS BACK TO SCHOOL ONES AGAIN

By Monday, schools will be opening again. So this means that all students have at least several days left to celebrate the long holidays/summer vacation. But school is really exciting and fun. It is exciting because you get to meet new classmates and new friends. I made a check list of the things that a student will be needing for the opening school this Monday. Here are the things that they will be needing:

1. Notebooks, this is where students write the important notes in the subject.
2. School bag, to place all the notebooks and text books in school.
3. Set of uniforms that the school requires.
4. Shoes, new or old ones will do.
5. Text books in school. This is very important for a student o have the required text books.
6. Lunchbox for the meals. In times like this we need to save ad budget our allowances.
7. Umbrella. When it is school opening, expect rains and showers since it is already June.

Well I guess everything is in here that a student that will be needed for this coming school opening. To all students, do good in school for this will shape your future later on.

INTERESTING THINGS YOU WILL FIND IN A PUBLIC MARKET

I would describe a public market as the melting pot of every product there is in town. A public market is arranged in parts. Just like your friendly grocery store, there is also the wet market, the dry market, the vegetable area, the livestock area (not found in the grocery store), the poultry area, the flower area, the fruit selling area and the famous ukay-ukay area (the second hand clothes for sale).

Many still prefer to go to the public market because everything they need can be found there, especially the strange ones too. There is a big difference when buying in the public market and in the grocery. First would be the prices. The price difference is material. Many people who are engaged in the food business prefer to buy their supplies in the public market because of the price difference. Second would be the quality of the product. Market items are more fresh since from the farm it goes directly to the selling area. Meats don't have to be on freezers in the public market. Third would be time. The public market is open as early as 3 am. Grocery and supermarkets would open at 10 or 11 am.

The most favorite part I like in the public market is the wet department. here you will find fish, pork and beef meats, chicken meat, goat's meats and more. There is what they call the mascara or literally translated as the face of the pig. This face meat is the main ingredient of the dish called sari-sari. The fish selling area offers a wide variety of fishes sold per kilo. Crabs, lobsters, shrimps, big and small fishes, sharks and others more are all here. You won't find shark meat in the grocery stores only in the public market. Before my grand father used to tell me that he would buy live monkey in the public market. He would slaughter the monkey for it's oil that is very effect herbal medicine against rheumatism. The Chinese also believes that monkey meat is a very good aphrodisiac as a stimulator for a good drive.

Magic and sorcery objects can also be found in the public market. You will find different things for making a potion of love, cursing, healing and more. You will find these things in areas in the public market where there are few people passing or in strange areas in the public market. Just a little caution when buying in the public market. As I said it is the melting pot of all things and that includes snatchers and hoodlums. Beware of them. They are not sold there but they will take your budget away.

THE HEAT WAS BURNING MY SKIN

This morning I went to some areas in the down town area to check several establishments. I don't bring any sunglasses and umbrellas to protect my skin against the harmful UV rays that can destroy our skin. Before leaving the office, I noticed that the sun was already up and considering it was still 7:45 am. But this afternoon was more than the morning heat. For those who are doing field work, it is a must to bring umbrella and sunglasses to protect our skin against the UV rays.

THE SILVER PRICE IS HIGH

I am a collector of precious coins and silver is my favorite. I have been monitoring the silver price for about a month now. Based on my observation, it is increasing and that means good for me. I will be able to trade my silver coins higher than my acquisition cost. I have several customers waiting for me to trade my silver coins for they are very much willing to buy it. Every day I get many calls and emails inquiring about my coins. I can't decide right now since the prices is getting higher. If I make a trade right now, I might not get the optimum amount of the precious metal that I collect.

CUSTOMER CARE AWARD

This morning my wife told me that she bagged the best Customer Care officer for the month of September 2008. I know it's kinda late but I am still very proud of her. out of the thousands of qualified for the award, my wife bagged the first price.

The Customer care Award is the first award that my wife got since she started working with Smart Telecommunications Inc., the most admired company in the Philippines. She is now 4 years with Smart and I believe that she can bag more awards in the future. As the prize for the award, she was given 300 worth of gift certificate and she already used it to buy some groceries for her apartment. I am very proud of her.

THINGS TO DO TO HAVE A DRIVER'S LICENSE

Driving is exciting, especially the new ones. But before you can drive, you must have a driver's license. In order to have a driver's license you must obtain the following.

1. A student permit. This is permit given to all drivers wanna be. This permit is valid for one year. After a year, it expires.
2. You must be 18 years old to have a driver's license.
3. Fill up the application form for driver's license.
4. Have a medical check-up and obtain a medical certificate. This is the new policy of the land transportation office. You must be free from all illegal substances, marijuana, cocaine, shabu and other prohibited drugs.
5. Submit the filled form and pay the amount specified. The price of this depends on the type of driver's license that you want. there are two type, one if the professional and the other one is the non-professional. professional drivers license is obtain if you are planning to drive any public utility vehicles. Non-professional drivers license, if for private use only.
6. Take the written examination and pass it. for professional drivers license, you must have a 45 correct points and for the the non professional, you must obtain 30 correct points. failure to reach the points means disqualified to continue to the next stage.
7. After passing the written exam, you will be instructed to have a test drive. there are cases where the driver passed the written but the failed the practical driving. be careful and relax when you are doing the actual driving.
8. Passing the written and practical driving examinations means that you are worthy to have a driver's license of your own.

beware of fixers. I suggest that you do it own your own. Just follow the steps and procedures, I'm sure you will never go wrong. Happy driving.