dodong & Jovy - In Love For Eternity

An Angel Is Born

2010-03-02T03:05:00.011+08:00

Babies are Angels that fly to the earth,

their wings disappear at the time of their birth

one look in their eyes and we're never the same

They're part of us now and that part has a name

That part is your heart and a bond that won't sever

our Babies are Angels, we love them forever.

~Unknown~

Jovy and I is proud to announce the birth of our first baby, Hyejin Pamela Flores. She's now our newly found object of love and affection, and our bundle of joy.

How To Be a Millionaire On Minimum Wage

2009-02-19T03:25:00.000+08:00

By: Zigfred Diaz

“Robert Reich, once observed ‘most minimum wage workers aren’t poor.’ He is right.” - Johny Isakson, U.S Senator (Robert Reich is former U.S department of Labor Secretary)

Minimum wage earners keep complaining about their salary. They say they cannot retire rich. Most of them just go through their work and retire relying only on their small SSS pension and the little retirement that their company will be giving them.

For most minimum wage earners, becoming a millionaire when they retire is quite an impossible dream. They contend that they can only be a millionaire if they receive a hefty sum of retirement money from their company.

Is it really possible to achieve millionaire status by your own efforts alone ? (Humanly speaking) Let us consider this actually scenario.

In the Philippines, Central Visayas Region, the current minimum wage is P 241.00. Multiply it by 26 days of work you get P 6,266.00.

Let’s just say that you are 30 years old and you faithfully saved that P 266.00 per month and spent the rest of the P 6,000.00, that would amount to P 3,192.00 per year

Do the math. If you put that P 3,192.00 in an investment vehicle that would give you 10 % interest per month in interest (compounded), do you know how much your money would become in 30 years, that would be P 1,052,001.00. If you started this kind of savings program when you were 30 years old you will retire a millionaire at 60 years old by your own savings program alone, add to that the retirement benefits from your company, your monthly pension from the SSS and your PAGIBIG “savings.”

What if you decided to add another P 500.00 in your monthly investment and invest P 766.00 instead? This would amount to P 9,192.00 per year and at the end of 30 years it would amount to a whopping amount of P 3,029,447.00 (At 10 % interest per year compounded)

Perhaps later on you would increase your savings to P 1,766.00 a month if you receive a salary increase. If you do that even on the 10th year after you start saving only P 266.00 a month, you will retire with P 4,472,777.00.

The growth of your money is possible because of what we know in the world of finance as the Rule of 72.

Albert Einstein’s greatest discovery was not the theory of relativity, it was the Rule of 72. (Although some people say that the rule existed long before he was born, most would agree however that he has popularized it)

What has the Rule of 72 have to do with investing and growing your money ?

Basically knowledge of the Rule of 72 is the basic building block of learning that each budding investor should have.

Simply stated the Rule of 72 helps you determine the following:

1.) What interest rate you should avail of in order for your money to double quickly.
2.) How many years does it take for your money to double.

In a nutshell the Rule of 72 is stated as follows:

72 divided by interest rate return = No. of years it takes for your money to double.

So, if you put P 100,000.00 in a bank account, it will take 72 years for your money to become P 200,000.00 since the bank only offers a 1 % percent interest rate. (72 divided 1 = 72)

Let’s say you get a little wise and you put your P 100,000.00 in a time deposit account it will take 18 years in order for your money to become P 200,000.00 (72 divided by 4 = 18)

Basically the higher the interest rate the less number of years your money will it take for your money to double.

So if you put your P 100,000.00 in an instrument that would give you a 12 % interest rate it will only take 6 years for your money to double (72 divided by 12 = 6)

However take note that the Rule of 72 is more accurate with lower interest, the higher the interest rate rises the more inaccurate it becomes. (An example of this is that if you earn have P 100.00 an invest it in an instrument at 72 % interest rate per year according to the Rule of 72 your money will become P 200.00 in 1 year. However this is not entirely accurate since you will need a 100 % interest rate in order for it to become P 200.00 in 1 year time)

Interested in how many years would it take for your money to TRIPLE and what should be the interest rate that you should avail of? then you should use the Rule of 115. It works basically the same way as the Rule of 72, just substitute 72 with 115.

Earning the minimum wage ? No problem with the Rule of 72, You could be a millionaire !

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Author Bio
Zigfred Diaz is a Registered financial & Real estate broker. He is also a practicing lawyer & a law professor. Recently he has involved himself with internet marketing. If you would like to know more about investments, how to handle your money, take charge of your financial future and earn extra income visit his blog at www.moneysmartpinoy.blogspot.com

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...a travelogue & digital rebel Website...: Coco Farm Adventure

2009-02-06T13:43:00.000+08:00

Matalam Town Plaza

2008-12-22T10:57:00.018+08:00

Lunch with Auntie Yoleng, Jovy's cousin Mari and husband Abner

2008-12-18T18:03:00.009+08:00

Friday, December 12, 2008

Jovy in the house of her cousin Mari.

Jovy posing with Auntie Yoleng.

A sumptous lunch.

Busog na at inaantok!

Photos were taken using Sony Ericsson T280i set in sepia mode. Click the photo to view higher resolution images.

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“Cell phone vs. Bible”

2008-12-09T14:57:00.003+08:00

I received this through email:

Ang Cell phone laging hawak at ipinapakita, Ang Bible laging nakatago at ayaw ipakita. Ang Cell phone binibili… kahit libo-libong halaga, Ang Bible ayaw bilihin… kahit isang daan ang halaga. Ang Cell phone laging pinapalitan ng case, Ang Bible di man lang mabilhan ng case. Ang Cell phone ayaw magasgasan, Ang Bible hinahayaang mapunit at maalikabukan. Ang Cell phone bihirang makaligtaan kung saan iniwan, Ang Bible madaling makaligtaan kung saan naiwan. Ang Cell phone mahirap ipahiram… baka masira, Ang Bible madaling ipahiram… kahit mawala. Ang Cellphone laging binabasa kung may new message, Ang Bible hindi binabasa kaya hindi makita ang message. Ang Cell phone txt-message sarap i-share. Ang Bible verse nakakalimutang i-share. Ang Cell phone pinapakita ang lifestyle ng person, Ang Bible nagpapabago ng lifestyle ng tao. Ang Cell phone mabilis maluma, Ang Bible hindi naluluma. Ang Cell phone message kung minsan… late, Ang Bible laging on time ang message. Ang Cell phone kailangan mag-load para makapag-send message, Ang Bible laging fully loaded ang message.

Ang Cell phone No-charge… No-use,

Ang Bible even in trouble times very useful. Ang Cell phone ay mahalagang gamit ng tao, Ang Bible ay pinaka-mahalaga… kung gagamitin ng tao.

Ang ganda di ba?... MAY BIBLE KA BA???

San ka pa??? I-forward mo kaya, itago nalang o I-delete??? It’s up to you.... =)

Basic Instruction Before Leaving Earth

Coco Farm Adventure

2008-12-09T13:44:00.003+08:00

Pamalaye

2008-12-08T13:30:00.006+08:00

My brother Peter in action.

My husband-to-be in action.

Kuya Nats, my brother in law. He is a teacher by profession pero cowboy siya at sanay sa gawaing bukid.

Si Kuya Nats at ang pamangkin niya tumulong sa pamalaye ng Honey ko.

At natapos din ang trabaho.

Dinner with Catedrilla Family

2008-12-07T15:07:00.003+08:00

Wednesday, December 3, 2008

2 kgs. grilled tilapia from Lake Sebu.

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Thank you, Colossal Printers!

2008-11-29T16:55:00.001+08:00

Above is an 8 feet x 4 feet tarpaulin printout by Colossal Printers, Inc. The tarpaulin is to be used for my oncoming wedding. Colossal Printers surprised me by printing our tarpaulin free of charge (see the receipt below).

I take this opportunity to thank Colossal Printers, its owner and staff for the free tarpaulin printing. With our tight financial preparation for the wedding, the free tarpaulin printing is indeed a great help.

About Colossal Printers

Colossal Printers, Inc. is an offset and letterpress printer located in Pinagbuhatan, Pasig City. It has a nationwide client base with a proven track record of printing services. They offer free pick up of your CD or computer file and free delivery of the finished output. For your printing needs, they can be contacted at this contact details and postal address:

Colossal Printers, Inc.
Tel. (02)6419670 Telefax (02) 6419414
Mobile: (0922)8880884
Email: colossal_printers@yahoo.com
Postal Address: No. 8, Isla Homes 2&3, F. Sandoval Avenue, Pinagbuhatan, Pasig Mega City

The Pasig Ferry Experience: A Photo Essay

2008-11-24T08:50:00.003+08:00

Last October 20, Jovy and I went to Recto Avenue in Manila for the printing of our wedding invitation. While the usual mode of transportation to reach the place is via train (i.e., MRT, LRT, LRT3), we agreed to take the Pasig Ferry. After all, Jovy happens to live in JP Rizal Extension in Makati where Guadalupe Ferry Station is also situated. As for me, I'd be coming from Boni Avenue in Mandaluyong so I would just walk to cross Guadalupe Bridge from Robinson's Pioneer to the ferry station.

Jovy brought along with her friend Grace. We board the 9:20am ferry ride. We paid 45 pesos each person for our ticket.

The following photos were taken using phonecam as I didn't bring with me my SLR.

Photos taken using Sony Ericsson T280i

Photos taken while onboard the ferry.

Grace and Jovy: Photos taken after we disembarked the ferry at the Escolta Ferry Station.

Photos taken using my Asus VGA phonecam

Search

2008-11-17T13:20:00.001+08:00

Makati Park & Garden

2008-11-11T14:14:00.002+08:00

See more: http://travelogue.digitalrebel.ws/2008/11/makati-park-garden.html

Makati Park & Garden

2008-11-11T13:37:00.003+08:00

More photos by kuya dodong here: http://travelogue.digitalrebel.ws/2008/11/makati-park-garden.html

A Funny Man

2008-11-10T17:01:00.003+08:00

Note: Assignment sa school ng anak ng boss ko. :)

One day a funny kind of man

Came walking down the street.

He wore a shoe upon his head,

And hats upon his feet.

He raised the shoe and smiled at me,

His manners were polite;

But never had I seen before

Such a funny sounding sight.

He said, “Allow me to present

Your Highness with a rose.”

And taking out a currant bun

He held it to my nose.

I staggered back against the wall,

And then I answered, “Well!

I never saw a rose with such

A funny looking smell.”

He then begun to sing a song,

And sat down on the ground:

You never heard in all your life

Such a funny-feeling sound.

“My friend, why do you wear two hats

Upon your feet?” I said.

He turned the other about,

And hopped home on his head.

New Theme

2008-10-25T21:10:00.013+08:00

I'm changing this blog's theme with a new one. Just like my travelogue website, I make use of the header for a random display of photographs. As of this posting, five photographs will be used for the randomized header. These were taken during our adventure as lovers and during my travel photography. I also included short references every photograph being posted.

This was taken last October 20 when I and my partner went to Chinatown, Manila via Pasig Ferry from Guadalupe.

These are studio shots taken at Fuji Film in SM Megamall during our second anniversary last September 28.

Photographed using tripod, I took this photo at the San Miguel By the Bay on June 2008. San Miguel By the Bay is located at the back of SM Mall of Asia.

This was photographed at Treffpunkt, a German restaurant in Tagaytay City during our visit there last January 1, 2007.

Photographed by Ronald Ibay (his album here) during MIP's La Mesa Eco Park Photoshoot last April 26, 2008.

Photographed by Marex Flores during our Agusan marsh bird-watching adventure last July 2006.

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Welcome to...

2008-09-28T06:01:00.000+08:00

...dodong flores & Jovy's Home On The Web

After a few "test posts" earlier during the creation of this site, I am officially launching it today, September 28, which also happens to be our second anniversary with my beloved Jovy. Thus, it is just timely to do and offer something to signify the occassion. Actually, Jovy is skeptical about putting up a site (or a blog for this matter) for us thinking that blogging anything about us is synonymous to any stranger's indirect intrusion to our privacy. But I always tell her that private affairs are off the record. Just like me, Jovy loves travel and photography, but blogging is not her thing - at least until, up to this point. But she is convinced with the idea that any information worth to be shared to friends and relatives living in different parts of the globe should be conveniently accessible in an instance.

This site will chronicle our couple's journey in the path we trod called life. We may be still have a long way to go but that will only give us a various opportunities to discover what lies ahead of us. For now, allow us to share with you a few photos that I share with my beloved Jovy.

Prenup

The following photos were taken last August 31, 2008 at the Paco Park in the city of Manila.

A slideshow is also available below. The whole photo album can be accessed from this link:
http://picasaweb.google.com/dodongflores/DodongfloresJovyPrenup#

Test Post: Shake It Off!

2008-09-23T16:13:00.002+08:00

Note: The following article is not of my own writing. I only received it as an inspirational message that circulated around mailing list. That said, you may now proceed reading.

One day a farmer's donkey fell down into a well. The animal cried piteously for hours as the farmer tried to figure out what to do. Finally he decided the animal was old and the well needed to be covered up anyway, it just wasn't worth it to retrieve the donkey. He invited all his neighbors to come over and help him. They all grabbed a shovel and began to shovel dirt into the well.

At first, the donkey realized what was happening and cried horribly. Then, to everyone's amazement, he quieted down. A few shovel loads later,the farmer finally looked down the well and was astonished at what he saw.

With every shovel of dirt that hit his back, the donkey was doing something amazing. He would shake it off and take a step up. As the farmer's neighbors continued to sho vel dirt on top of the animal, he would shake it off and take a step up. Pretty soon , everyone was amazed as the donkey stepped up over the edge of the well and trotted off!

Life is going to shovel dirt on you, all kinds of dirt. The trick to getting out of the well is to shake it off and take a step up. Each of our troubles is a stepping stone. We can get out of the deepest wells just by not stopping, never giving up! Shake it off and take a step up!

Remember the five simple rules to be happy:

Free your heart from hatred.
Free your mind from worries.
Live simply.
Give more.
Expect less.

Test Post: Uploading Images

2008-09-23T11:51:00.006+08:00

This entry is a test post for uploading images to Blogspot which is hosting this blog.

Test Post: Uploading Video

2008-09-22T17:39:00.000+08:00

GMA7's 100% Pinoy: Babasahing Pinoy

GMA 7's 100% Pinoy programming featuring my friend and fellow photography enthusiast Dennis Villegas.

This video can also be viewed from its source: http://www.gmanews.tv/largevideo/related/27550/-100-Pinoy--Babasahing-Pinoy

Test Post: Two Little Twins

2008-09-22T16:20:00.003+08:00

Note: Received this inspirational message from mailing list.

In 1995, October 17th, there were two little twins that were born, Kairi and Brielle. They were born in the Massachussets Memorial Hospital in Worcester. Each of these twins weighed about 2 pounds. They were very very small. They had to be placed each in separate incubators. But see, one of them, Brielle, was very sick. She was expected not to live. And though Kairi was putting on a very good weight and she was growing naturally and healthily, Brielle was slowly withering away. She was slowly getting sick, coughing, gasping, and her face and her skin was turning blue, etc..

See, on a particular day when nurse Gail Kasperian was looking over the intensive care unit at the hospital for the new born children, Brielle was crying intensely. And the nurse had to come over, and she tried everything. She tried to hold the baby, she tried to rock the baby. She wrapped her in a blanket. She tried to clean her nose etc... She tried to do everything, but nothing was working. Brielle just kept on crying, she was suffering inside. All the doctors could see that her body was slowly withering away.

But then the nurse remembered about a procedure in Europe, where twins are actually able to stay in the same incubator. But see, this was against Massachusetts Memorial Hospital law. So she could not do that, but because she knew that the child's life was on the line, she took a step of faith and she put that baby in with her twin sister Kairi.

Very interestingly, when the baby Brielle was put into the incubator with Kairi, the healthier twin put her arm around the sicker baby, around Brielle. And something remarkable happened. Almost immediately the smaller baby's heartbeat began to stabilize, her temperature rose to normal. Her blood oxygen saturation levels which were extremely and frighteningly low, became natural and soared within seconds. She began to breathe more easily and the frentic crying of the baby began to stop.

What happened? Within a couple of weeks that baby whose life was in danger was able to go out of the hospital, and when we last heard of them, they are now in elementary school and very healthy and whole.This article actually came out. It was so famous that it ended up coming out in Life Magazine, in the Readers' Digest. Let's take a look at the real picture. That's the real picture of those babies. It was because of that hug. Let's give it up for the power (applause), the power of the right people around you, the power of relationships around you! So important!

Whom you are around can literally save your life, can literally save your life! We must make sure that we are surrounded by the people who encourage us, who can empower us, believe in us, support us to mature and grow, and challenge us - sometimes it's not easy to be challenged - but challenge us to become better and better constantly.