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More community banks are looking at equipment finance as a way to generate revenue.
Smaller banks have historically shied away from equipment finance because it requires a lot of expertise that typically has an up-front cost. But a desire to book assets at higher yields has made the business more attractive, industry experts say.
"Commercial-and-industrial assets are performing well in comparison to other assets," says Scott Wheeler, president of Wheeler Business Consulting in Fallston, Md. Banks also need products "to reengage with small businesses, and this allows them to do that."
Interest in equipment finance has been steadily rising. Roughly a tenth of the 78 firms that joined the Equipment Leasing and Finance Association last year were community banks, says Ralph Petta, the trade group's chief operating officer. Banks are drawn to the business because of attractive yields and delinquencies and write-offs that are near historic lows, Petta says.
Equipment deals generally have shorter durations, which could prove useful when interest rates start to rise, Wheeler says.
Bank of Birmingham in Michigan entered the business in August because pricing for other types of commercial and industrial loans had gotten very competitive, says Rob Farr, the bank's president and chief executive.
The $148 million-asset bank, a unit of Birmingham Bloomfield Bancshares, has approved about $10 million in transactions and has a strong pipeline for future deals, Farr says. "Our plan is to grow as a bank as quickly as possible without taking on a lot of unforeseen risk," he says.
New business volume at financial institutions rose almost 25% in 2012 from a year earlier, to $53 billion, according to the Equipment Leasing and Finance Association. Demand should continue to rise as businesses that delayed equipment investments start to make upgrades, Petta says.
Wheeler Business Consulting, which specializes in equipment leasing, is getting "calls almost daily" from banks interested in the business but are often hesitant to pull the trigger, Wheeler says.
Equipment financing has "nuances that need to be understood," before a bank jumps in, Petta says. "It's not insurmountable, but if you are treating equipment financing like a plain vanilla bank loan then you are not doing your homework," he says.
There are generally three outcomes at the end of an equipment-finance lease, says John Deane, chief executive of The Alta Group. Roughly 85% of the time, clients decide to buy the equipment from the bank or extend the lease for a shorter period of time, he says.
A client could also decide that it no longer wants the equipment; the bank then takes possession of the machinery. In those cases, the bank must market the returned equipment, hiring workers to flip the machinery or working with an outside company, Petta says.
It is also challenging for inexperienced lenders to accurately calculate equipment value at the end of a lease, industry experts say. The amount of wear that equipment endures during a lease can vary greatly and will influence its residual value.
Lessor-lessee relationships often differ from those between a lender and borrower. Bank of Birmingham is not the primary bank for many of its equipment finance clients, so the bank is usually less familiar with them, Farr says.
Equipment finance is "more of a transaction than a relationship business," says Mark Hoppe, president and chief executive of Taylor Capital Group (TAYC), which formed a leasing business in June by hiring a team from LaSalle National Leasing.
The cultural difference can make it difficult to integrate an equipment financing unit into a bank, Wheeler says. It requires lenders to be aggressive finding clients and a willingness to adjust to market changes.
About half of equipment financing or leasing deals are conducted through relationships with equipment vendors, Deane says. Banks must underwrite deals fast because "end users have made the decision to get the equipment and want to get it quickly," he says. Vendors also want to make sure that they don't lose sales because the financing takes too long, he says.
To overcome these challenges, smaller banks often work with existing leasing companies or hire teams of experienced lenders to start equipment financing groups. Working with a leasing firm lets community banks gain expertise and enter the market faster, Deane says. A leasing company often teaches a bank's employees how to sell equipment financing and assess residual values. It also lets banks test the waters before fully committing.
"It's like dating before getting married," Deane says. "You can try it out for a while and, if you like it, you can get more serious."
Bank of Birmingham hired Robert Leonard, an equipment finance veteran, to launch its business. The bank plans to cap equipment financing at about 20% of its $150 million loan book, Farr says. It can "be tricky" to hire experienced lenders, but "it would be difficult to learn as you go," he adds.
Taylor Capital's ability to hire a team also has added benefits, says Hoppe, who helped start LaSalle's equipment finance business. The $5.1 billion-asset company's equipment financing division funded about $85 million in transactions last year.
The group has approved about $115 million since its creation in a variety of industries such as food, trucking and power, Hoppe says.
"We do feel there is pent-up demand for equipment," Hoppe says. "We see it in our local C&I clients that have postponed investment in equipment. That will change as they get more confidence in the economy."
Sectors that are fueling equipment finance include construction, health care and technology, industry experts say. Marlin Business Services (MRLN) in Mount Laurel, N.J., recently formed an industrial finance group to help it target the rebounding construction industry, says Daniel Dyer, Marlin's president and chief executive.
The $431 million-asset company hired Rich Garwood, who has more than 25 years of experience, to run the group. Marlin, the parent of Marlin Business Bank, specializes in equipment lease financing in more than 60 categories. Most of its business comes from partnerships with vendors, so it has to understand the needs of the vendor and the client.
"Knowing your customer and understanding the market is critical," says Dyer, who adds that he has heard of more banks wanting to enter equipment financing but hasn't seen new competition.
"Traditional banks have a lot of policies they have to stick to, but you need to be more adaptable" in equipment financing, Dyer says.


text:
The library has now subscribed to 'Insect Conservation and Diversity' a Royal Entomological Society journal, whose editors include our own Dr Simon Leather. The journal places an emphasis on wild arthropods and specific relations between arthropod conservation and diversity
It is available through the library website www.imperial.ac.uk/library and can be accessed off campus using the VPN or an Athens login. Please contact me if you have any problems finding or using this journal.

subset: commoncrawl


text:
Souvenir of New Orleans, "The Paris of America"
New Orleans: Published by the St. Charles Hotel & Alfred S. Amer & Co. 1928. Original wrappers. Edition not stated. 4to. 42 pp. Color illustrations of various buildings & locations in New Orleans; black & white advertisements. Index titled "De Luxe Shopping List and Business Guide". Elaborate gilt illustrated stiff brown wrappers; housed in publishers printed mailing envelope (unused). A fine copy in tanned near fine envelope. An early and uncommon New Orleans tourist booklet. Item #17854
"The colored illustrations in this book are reproduced from original oil paintings made especially for this purpose by the well known artists Messrs. Robert W. Grafton and L.O. Griffith, now on exhibition at the St. Charles Hotel."
Price: $150.00


text:
Devam Ediyor
486973 Memberhub clone
Bütçe N/A
We are looking for a site with similar functions as [url removed, login to view]
Hello! We are ready to start realization of your project. Lets speak about all the details and start work. We are committed to developing a long-term relationship with our clients. We are flexible in our approach and t Daha Fazla
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text:
Tuesday, October 23, 2007
3 Comments:
- Sandy-LA 90034 said...
Lizzy -- Thanks so much for your concerns. Fortunately, I'm in the middle of West Los Angeles and quite far away from scrub and trees (hopefully!).
However, isn't Political Cat in San Diego? There's a firestorm going on down there and huge evacuations.
I just got home (8:30 pm PST), so I haven't had a chance to check out her site.
- ThePoliticalCat said...
Oh, thank goodness. I was just going into a tizzy of worrying over you, Sandy. Glad to hear you're safe. I'm actually quite a bit north of you, although I was in the heart of the last big fire up here. I remember how scary it was, trying to get out with two uncooperative cats. Glad you're OK. Stay in touch!
- Lizzy said...
It's so good to hear from both of you - I saw your messages early this morning, but this is the first chance I've had to asnwer back... Love from 922 cats and "kittens"!


text:
World News: 15:53 GMT Friday 12th January 2018. [Research and Markets via Businesswire via SPi World News]
The China Oil Gas Directory 2018 directory has been added to ResearchAndMarketscoms offering. This Directory remains the most authoritative source of information available on oil and gas companies t hrougho...
More news and information about Research and Markets
Business Wire: 15:53 GMT Friday 12th January 2018
Published: 2018-01-12T15:53:00.
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SPi News is published by Sector Publishing Intelligence Ltd.
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text:
Thank you very much for your interest in Thynne Cross Holiday Cottage! Should you have any questions please do not hesitate to ask us! We're looking forward to welcome you in Liscannor and the Cliffs of Moher area...
The Weekly Rates:
May € 400
1 June – 13 July: € 500
14 July - 18 August: € 650
18 August - 30 September € 500
All other dates: on request
All charges included.
Bedlinen & Towels are provided.
(0)65 68 29106
(0)86 811 1101
Jeanne Gleeson
25 College Grove
Ennis, Co.Clare
GPS: N 52ş56.322
W (-) 9ş23.637
click here for a
description how to find us
home | about the house | location | living | eating | sleeping | booking
Ferienhaus Liscannor Klippen von Moher Irland
Maison de Vacances Liscannor Falaises de Moher Irlande
Self Catering Accommodation in
Ireland: www.westclare.net
For car rental in Ireland click here. Fast online booking, competitive rates
Our Website contains external links to other sites. We are not responsible for the privacy standards nor the content of other websites. We encourage you to be aware of this when you leave our website.


text:
The Talkathon continues..
Anyway, my forays into the online world of gay chatting have been a combo of interesting , fun, hysteria and hopelessness...sorta a milkshake if you must, of all those ingredients. (Take 3 scoops hopelessness and add to it 2 generous helpings of fun. Stir in a tablespoon of interest and sprinkle liberally with hysteria..). At this point, I have discovered I have certain things about this whole thing..They are - in no particular order -
1. A dislike for people who say Hai, Hiiiiiiiii!, Hallo Dear, Chao, A/S/L (That went out with IRC years ago people!) , T/B
2. India seems to be populated with versatile folk! Perhaps that's why we're so good at stealing everyone else's jobs....(blow or otherwise)
3. Being married clearly doesn't stop many people...
4. Being with another gay man in a "happy" relationship clearly also doesn't stop many people - "I'm here to make friends only as I'm happy with my current boy" - Doesn't explain why you're out looking for 1-on-1 sex and you have a picture of your arse on here!
5. You claim to love to read but can't name the last book you read..you claim to love to hike but can't name the last trail you went on..you claim to love fashion but you wear socks with your sandals...
6. Sometimes coffee means just that - coffee.... (A million points and a chance to buy me a coffee for ANYONE who's heard Eddie Izzard's riff on coffee and "coffee")
7. People who only say Hi. And then vanish. And then reappear a week later to say How are you. And then vanish. And then wake up 3 weeks later and say How's life. And then vani...Oh! You get the picture.
8. I think my favourite profiles are the guys who claim to be shy and introverted and not very social. And who then send you a picture of a cock. NOT the tandoori kind.
9. There will be the occasional gem in the coal mine. And then he'll vanish and you'll bump into him on the arms of the other gem in the coal mine. And then you'll drink a lot and over-tip the rickshaw driver. I'm just saying...
10. Being spotted outdoors by people who've only ever seen your profile is such fun. This last week I've had "Were you on Brigade Road with a green shirt on?", "I saw you at Infinitea wearing a black tee", "You're taller than you look in your pictures" and "You're uglier than you look in your pictures..stop fooling us!".
How much fun is this!


text:
Well I've been talking to my publishers and we have a timetable leading up to publication for Equinox. All things going well, Rosie Black 2, will be in stores in November! Yes, it's exciting to have a month now stay tuned and I'll let you know the actual date as soon as I have it.
Laura O'Neill
Hi what will the release date be for New Zealand I loved genesis and I can't find any books as good as that
thank you
P.S – I hope it's out soon!!!!!
Laura O'Neill
thankyou good luck with your release


text:
My latest project ... The Purl Scarf from Last Minute Knitted Gifts.
I love it. Very soft and thick. Even though I cheated on the yarns.
The pattern calls for three yarns: one 100% wool (recommended Manos Del Uruguay), a fine mohair, and a thicker mohair. I checked two yarn stores but could not find the colors I wanted in the Manos Del Uruguay so I went with the denim color of Steadfast Fibers Wonderful Wool Worsted Weight yarn instead. At the same time I purchased a skein of Rowan's Kidsilk Spray. Unfortunately, I wasn't finding a coordinating thicker mohair I liked. Not letting that stop me, what with my being Miss Lack All Patience and all, I simply grabbed up the leftover Moda Dea Dream yarn used in the blue baby booties and gave it a go. Worked just great. Take a gander:
Strange to me that those three different blues equal that one pretty one ... but there ya go.
Anyway, you just cast on 16 stitches (I'm using size 15 needles) and K1, P1 til you can't take it anymore. Even with as much as I hate The Purling ... I love The Ribbing ... so the scarf is nice and long.
Here's the finished product:
I liked it so much I paired some pink Moda Dea Dream yarn with some Linie 67 Como yarn I had picked up at 40% off (woot) and have started this:
Perhaps a bit more girly than I'm accustomed to ... but there ya are! :)
Monday, January 23, 2006
The Purl Scarf
Labels: Knitting Stuff
3 comments:
- Libby said...
You are a scarfing machine, girl!
How's the dating thing going? ;)
- Kat said...
"Dating"?? I'm sorry, you must have me confused with some woman that actually gets asked out! ;)
Actually, I'm still in contact with Harley Guy (we've been out twice). No planned third date as of yet.
- Mark and MeLissa said...
Beautiful work! Looks like we've both been busy. I finished *two* quilt blocks this past weekend - no E-V-I-L triangles, I'm afraid, but still *two!* blocks. That's the sum total of my prior class accomplishments!
You must be a good influence on me with these domestic projects and all. ;)
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text:
ConfigMgr 2012 R2 SP1 & ConfigMgr 2012 SP2 have been Released!
These releases have been announced at Microsoft Ignite and are now generally available & can be downloaded from Microsoft evaluation center.
Also included in these service packs are new hybrid features for customers using System Center Configuration Manager integrated with Microsoft Intune to manage devices. Some of the hybrid features that you can expect to see are conditional access policy, mobile application management, and support for Apple Device Enrollment Program (DEP). You can view the full list of hybrid features included in these service packs here.


text:
Reading Success by 4th Grade Springfield, Massachusetts' Community Campaign For Grade-Level Reading Proficiency Community Progress Report
Published By
- Copyright 2016 by Irene E. & George A. Davis Foundation. All rights reserved.
Document Type
This web page is marked up with Schema.org microdata. Much of the necessary microdata is embedded within the HTML that creates the display you see above. The data that shows below is formatted for machine-reading and rounds out the complete descriptive set for this resource. Want more info about all of this? Go here. You can also view the complete dataset for this resource the way a machine sees it here .Title: Read! Reading Success by 4th Grade: Community Progress Report
Publication date 2016-04-01
Publication Year 2016
Copyright holder(s) Irene E. & George A. Davis Foundation
Geographical Focus North America / United States (Northeastern) / Massachusetts / Hampden County / Springfield
Keywords springfield , early literacy , prek , reading , progress report
Document type Evaluation
Language English
URL: https://www.issuelab.org/resource/read-reading-success-by-4th-grade-community-progress-report.html
Resource provided by IssueLab


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ePo software manager shows epo status as not checked in yet im running the latest version and dont find any way to check it in. Running the 188.8.131.52 install.
Under checked in version there is nothing listed.
Any ideas?
Hi Mark, don't worry about it. Under McAfee ePolicy Orchestrator 4.6 you can find all guides concerning this product and the installer itself but it does not check if ePO installer is being used or not


text:
Albert Guest House And Mills Spa Suites
The historical Albert Guest House And Mills Spa Suites accommodates guests in a business area of Daylesford.
The hotel is around 10 minutes on foot from the city center. Such Daylesford sights as Hepburn Bathhouse & Spa and Kryal Castle are all within reach.
The hotel allows quick access to gardens and hills.
This property offers 11 individual guestrooms complete with climate control, central heating, cable TV with on-demand movies, a private balcony and hi-fi. They are equipped with a microwave, an electric kettle and coffee/tea makers.
Guests will enjoy dishes of Australian and contemporary cuisine served at Perfect Drop, which is about 200 meters away.
A few minutes' drive from Tullamarine International airport.
There are free self parking and a storage room at guests' disposal.
A wellness center and a Jacuzzi are available on site.


text:
tag:blogger.com,1999:blog-673365727810762802018-05-28T23:12:09.142-07:00Pin's ThoughtsPin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-82373348898166289702010-01-05T22:44:00.000-08:002010-01-06T01:14:37.798-08:00Penmanship ContestI got good news from Julia this afternoon. She came home and gave me this letter.

On the letter it says...

"Your child, __________, Gr /Sec _______is one among the Top Five finalist of this year's Penmanship Contest. As such, s/he is qualified to join the final round which will be held on Wednesday, January 6, 2010 in the library at 7:00 am.

We advise you that a finalist loses by default if s/he is absent.

thank you very much!

May we continue working hand-in hand in developing the penmanship skills of our children. Good penmanship enhances one's personality.

respectfully..."

ok, my first thoughts were... wow! I was excited for Julia. I mean, I've never been on any penmanship contest in my life, even though I've always been complemented that I had nice penmanship. I knew it was really something for her bec Julia said, "Mom, I can't beleive it!" She said it in a very calm and relaxed tone while I was ecstatic, almost jumpy. Ok, that was my stage mother instincts kicking in. :-)

When I was young, and would get compliments on my penmanship, my mom would always dismiss it saying, " Na u tong iyong?" (translated in Fookien for What's the use?) See, during those times, my parents believed that for you to become better, criticisms were forms of making you strive harder. I'm not about to follow her footsteps on that one. I gave Julia a lap hug and praised her profusely.

Ok, but wait. Did you see that last part of the letter? "Good penmanship enhances one's personality." I hope for DH's sake this isn't true. He happens to have one of the louiset penmanship I've ever seen. hahahahahahh

Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-60618901216133274902010-01-03T21:08:00.000-08:002010-01-03T21:13:33.271-08:00Pacquiao Gloves of What?I got this from Nico. No offense to Pacquiao, but this is so funny.

Wala lang.

<object width="425" height="344"><param name="movie" value="http://www.youtube.com/v/eAmvyN-g-XA&hl=en_US&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/eAmvyN-g-XA&hl=en_US&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="344"></embed></object>Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-32754826080716708412010-01-03T09:54:00.000-08:002010-01-03T10:06:52.970-08:00Sex and The City 2While browsing music videos on You Tube that Nico listens and watches out for...I stumbled upon the trailer for Sex and the City 2. I was searching for Empire State of Mind, sung by Jay-Z featuring Alicia Keys and somehow, it lead me to Sex and the City 2 trailer.

I have to admit, I'm not so big about Big but I do enjoy the fashion and friendship in SATC. Will have to ask the girlfriends to watch this with me. DH is so not going to the movies with me for this one....

<object width="560" height="340"><param name="movie" value="http://www.youtube.com/v/7vPSR1RlXX8&hl=en_US&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/7vPSR1RlXX8&hl=en_US&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="560" height="340"></embed></object>Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-52585907474180085222009-12-30T03:03:00.000-08:002010-01-03T09:42:56.435-08:00Santa Stories

I know its being "Scrooge"... but I want to stop at this Santa charade that we have to put up every year. I could easily just spill the beans on Santa, but I don't want to be the one to burst the bubble on our 8 year old Julia.

We have this family tradition of opening gifts only on the morning of Dec. 25. That morning, Julia found Santa's gift under the tree...

Nico: "Santa's penmanship is so ugly!" (Referring to the "to and From"" note on the gift tag)
Julia: "No, its not. It's a special kind of font!"
Me: "Yeah, can you imagine? If you were Santa, you have to write on so many tags?" (sounding very defensive)

A few days after Christmas...

Julia: "Daddy, Santa's gift is from Toy Kingdom." (She sounded suspicious and confused)
DH: "Santa needs a lot of toys to give during Christmas, maybe he owns Toy Kingdom!"

yeah right! Maybe Santa's full name is Santa Claus SY! hahahahah

Seriously, if Julia asks me if Santa was real, I'm really itching to spill the beans na!

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-8540718176630586902009-03-27T20:35:00.000-07:002009-03-27T23:28:18.769-07:00The 25th Putnam Annual Spelling Bee
WHAT'S THE BEE ABOUT?  In the Broadway Musical Comedy, THE 25TH ANNUAL PUTNAM COUNTY SPELLING BEE, six young people in the throes of puberty, overseen by grownups who barely managed to escape childhood themselves, learn that winning isn't everything and that losing doesn't necessarily make you a loser.   This hilarious tale of overachievers' angst chronicles the experience of six adolescent outsiders vying for the spelling championship of a lifetime. A quirky yet charming cast of outsiders for whom a spelling bee is the one place where they can stand out and fit in at the same time.

- excerpts from Atlantisproductionsinc.com

 This post is a week late. Last Friday, March 20, my friends and I went to see the first showing of the latest play in town, "The 25th Annual Putnam County Spelling Bee". The last play I've watched, The West End Story is a tragic love story along the lines of Shakespeare's Romeo and Juliet. So, this time around, the light and comic theme of the spelling bee was a welcome change.

 The show lasted around 2 hours and had no intermission in between. The plot was quite simple and the stage design was nothing elaborate. Just a couple of chairs and table. The background was likewise no frills, just a big tarp that says "25th Annunal Putnam Spelling Bee". But, despite the simple props, the show had a lot of flavor to it. For example, the show started with Rona Lisa Peretti (played by Cathy Azanza-Dy) walking along the aisle and greeting the audience with a large trophy in tow. The play also had an innovative concept that enhances audience particiaption. Each night, they have 4 guest spellers from the audience, 2 of whom are celebrities. On the first night of the show, the celebrity guest spellers were Leah Salonga and Jett Pangan of the Dawn. The guest spellers' role was to be contestants of the spelling bee, so they were given words to spell just like the other actors on the play. The unexpected aspect of being a guest speller makes the show fresh and funny.

 I love how several actors, like Noel Rayos ( who played Mitch Mahoney, an ex convict on parole turned counselor taking community service) and Johan de la Fuente (who played Leaf Coneybear, a quirky contestant speller) could shift into roles of gay parents in a click. I had to comment how astonishing it is for Joel Trinidad (who played the principal) to pull a straight face and not laugh at the funny meanings and sentences of the spelling words he gave to the contestants. The short introduction given by Rona Lisa Peretti (played by Cathy Azanza-Dy) to each contestant before they spelled was also hilarious. e.g. When she introduced Leah Salonga... she said, " Miss Salonga thinks she used to be a Vietnamese prostitute in her past life." okey, maybe the way I wrote it isn't as funny, but we had some good laughs during the play.

 The play was fun, entertaining and hilarious! Plus, I also learned that winning isn't everything and that losing doesn't necessarily make you a loser.

The 25th Annual Putnam Spelling Bee is directed by Bobby Garcia and runs from March 20- April 4, 2009 at the Carlos P. Romulo Auditorium, RCBC Bilding, Makati

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-79320835874317677622009-03-20T01:26:00.001-07:002009-03-20T19:12:57.211-07:00Havaianas Recall

A few weeks ago, I read in the news that Havaianas in the US issued a statement to recall some batches of their flipflops. This reason is because the print on the soles has a higher lead content than what is allowed by Federal standards. My first response was to take some action and inquire if I'll be able to exchange a pair that Julia has. But, a friend who had several pairs of recall Havaianas, informed me that the Philippine distributor made an announcement that those purchased in the Philippines are not included in the recalled batch. So, I didn't pursue the exchange.

Today, Havaianas Philippines issued another statement that out of good faith, they will be recalling and exchanging the flipflops included in the recall. I promptly called thier hotline 8958744 and arranged for the exchange. They will need to get information like the size, style, color of the flipflops plus when are where it was bought. Or, you can also fill up details of the flipflops online here. No need to bring your pair of flipflops to any of their stores as they will be arranging for the courier to pick them up at your place. The only downside here is that it will take around 8-12 weeks for you to receive your replacement. But, considering that you won't be using them anyway, its worth taking up. I even requested that they change the flipflops to a bigger size so Julia can still wear them when we receive it.

Incidentally, they have a list of authorized stores where the flipflops should have been bought in order to qualify for the exchange. If you have some Havaianas flipflops at home, you might want to check out if they are included in the recall.
Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-63625197957572722632009-03-19T20:50:00.000-07:002009-03-19T21:29:26.966-07:00Medical Assistants
 Even if you don't regularly watch the news or read the paper, you can sense the global financial crisis that is upon us. A few days ago, news broke out that another 2,500 will be jobless because an IT plant in Laguna has closed down. At a jewelers shop last week, I heard the owner lamenting that people are tightening their belts and are forgoing the purchase of luxury items such as jewelry. On a similar note, because of bad business, cruise ships have lowered fares to very tempting prices.

 Mostly affected are those in retail and luxury goods. Some sectors like schools and hospitals won't be as badly hit by the crisis. Heard from a friend overseas that medical assistants are still in demand noways. This is probably the reason why medical assistant schools like St. Agustine School of Medical Assistants are now offering online programs. With the crisis upon us with no certainty how long it will last, courses like that of a medical assistant are getting popular. It seems it has become inevitable that the demand for certain jobs have been the factor in which the youth bases its decision of what course to get into.

Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-62354796809799081402009-03-19T01:21:00.000-07:002009-03-19T02:39:56.440-07:00on credit cards
 We've been planning for our trip to Australia since end of January. For this trip, all of our bookings for hotels and airlines both international and domestic were made online. DH and I were talking about how convenient it is to plan trips nowadays especially since the internet and credit cards have made it possible.

 A couple friend we have, who's planning a honeymoon trip to Europe lamented on how big the difference in exchange rate a particular bank charges and is contemplating on getting another credit card just for the trip. I mentioned that they should check and compare credit card services at DealsForCreditCards.com to get a general idea of what credit card would best suit their needs. Quite popularly, there are now more choices of credit cards for specific purposes. Take for example, Rustan's and Shell gas credit cards that give certain percentage of rebate for purchases made.

Admittedly, credit cards have been part of everyone's lifestyle. We'll just be buying a minimum amount of Aussie dollars for the trip and charge most of the expenses on our credit card.

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-23392135277397132562009-03-12T07:34:00.000-07:002009-03-13T08:50:57.768-07:00I wish I could get married again...

...if only to have amazing wedding videos created by Jason Magbanua. (sigh) I know I might come across as a stalker after this confession but, I've just spent an hour watching wedding videos of couples I do not know at Jason's site!

 As evidenced from his works, Jason Magbanua has a knack for capturing those moments that are specially meaningful and memorable in a milestone event such as a wedding. His videos are full of emotions and very real. You can just feel the love :-)

 As a bride over 14 years ago, I was never fussy or meticulous about the details in our wedding. I was not very hands-on with the wedding preparations, so to speak. My wedding gown is nothing like the ones that are in fashion nowadays. Imagine a gown with long sleeves, sweetheart neckline with an overlay of sheer material above it, fully beaded with petticoat and all. I had a train that was very exquisitely beaded but also very heavy it was quite difficult to move. During that time, it was considered quite a beautiful gown since I received several compliments for it. Today, I don't think you will find any bride who will choose a gown of this kind.

 I couldn't care less about the cake either. Since a relative of DH offered to supply the cake, I didn't have to sit down and talk to her about the design. I had no idea what our souvenirs or giveaways were until the wedding day itself as they were made by DH's aunt as a gift to us. Generally speaking, I'm fine about how the wedding came out, but today, while watching those wedding videos, I can't help but wish that I got married in the digital age for photos and videos so I can have ours made by Jason. Haay!

 Yeah, I know...I can't turn back the clock. Anyway, there's a saying that what's more important is not the wedding itself but the marriage after that really matters. Enough said. :-)

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-67352631525453594022009-03-07T08:03:00.000-08:002009-03-07T08:28:13.120-08:00Wham!

 DH and Nico had been raving about WHAM since last year. One time, DH brought home (take-out) some Wham burgers but I didn't feel it was really special. The chicken burger wasn't crispy as he described it, and the buns from the beef burger were soggy.

 Yesterday, we decided to have dinner at Wham in Robinson's Place Ermita. Left the camera at home so I just took these pictures using my iPhone. Might not have done justice to the burgers but they're really good. Even Julia, who wasn't particularly fond of burgers really appreciated the Crispy chicken burger. (P103) I had the Wham burger with single patty (P93) and DH had the Bronco burger (P138), which had a generous portion of bacon and barbeque sauce. Nico, who normally eats very slow, finished his chicken burger faster than me!

 Since Wham burgers are grilled upon order, they're best eaten fresh or right away they are served. Not a good idea for take-out as the juicy burgers will make the buns soggy. The chikcen burger, when wrapped will loose its being crispy. Defintely recommend this to burger lovers. Yummy!!!

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-13173700220813081692009-03-05T11:21:00.000-08:002009-03-07T08:02:31.558-08:00Letters
 Its been a while since DH and I went on a trip-just the 2 of us. Mostly, our trips the past years have been with family and friends. Last month, we decided to take a trip to HK/Macau, with the Venetian as our main point of interest.

 The night before our flight, Julia hugged us really tight as if to make up for the few days we won't be with her at home. She was hiding her teary eyes and was fighting to keep them from flowing. I instantly became guilty that we were leaving. Its not that I haven't anticipated this reaction from her. I knew she would really be sad despite the fact that I have tried to prepare her with the idea of our trip weeks ago. I felt very uneasy, so I decided to write her letters for the days we won't be around.

In the first letter I wrote...

Dear Julia,

 You always surprise me when you come home from school, so I decided to surprise you today. I bet you didn't expect to receive a letter from me. By the time you read this, daddy and mommy will already be in Hongkong.

 I remember you told me yesterday that you wanted to answer crossword puzzles. I found some easy crosswords for you last night so you can answer them this afternoon. If you are having a hard time, you can check out the answer key for some clues.

 Don't forget to sharp your pencils later after doing your homework. Try not to miss daddy and mommy too much. We'll call you up tonight.

love,
Mommy

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-47750950294668593502009-02-12T22:30:00.000-08:002009-02-12T22:38:09.006-08:00Jeanny's birthday giveawayJeanny of "Startin' A New Life" is giving away a Moleskin notebook on her birthday. To join, just write a comment on her entry here. Contest will end 11.59 pm of February 15, 2009.Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-38339666742265809472009-01-24T23:43:00.001-08:002009-01-25T08:22:26.546-08:00Birthday wish list
I don't have a habit of coming up with wishlists, but since Kaye sent me this birthday wish award, I don't see why I shouldn't.

So the rules say that:

1. Make a list of what you want on your birthday...
2. The list should be 15 numbers
3. Post the image of this award in your posting
4. Give it to 10 friends of yours.

Here goes... (not in any particular order)

 1.  a ring binding machine - I saw this Carl double loop ring binder last year at Times Trading in downtown. I was justifying whether to buy it and almost did for Julia's scrap and salon party. But when I asked DH if I should buy it, he said it wasn't practical. I was looking for someone to affirm me that it will be a good buy, but even my friends didn't agree. So, I took their advise not to buy it but that doesn't mean I don't want it anymore :-).

2. my own domain - I've just began to actively blog again so I don't think its the best time to get my own domain, but it is on my list and I hope to have my own someday.

3. South Sea pearl earrings - Actually, I already have the pearls. DH gave them to me for our anniversary a year or 2 ago but I haven't decided what setting I want for it so they've just been in the safe. I'm planning to see a jeweler soon to have it set.

4.  Mediterranean cruise - This is on my list of "must do things". I'm hoping DH and I get to experience this before our 40's!

5.  photography lessons - Steph's been planning to take some photography lessons and invited me to join but since I've already earmarked myself for some digital arts sessions, I had to pass. Maybe next time.

6. a masters degree - I've sort of thrown in the towel for my thesis-its just too demanding of my time as of the moment but if I could ask for a wish, I wish I'd get my degree without having to go through thesis work.

7. a set of pilot frixion pens - I've always loved pens but these Pilot frixion pens give me more reason to love them. When subjected to friction or heat, the ink becomes transparent so you can actually erase them. If you're not convinced, try viewing this short video of how it works. I got 2 in black and blue as they are the only colors available at Cosmos. I hope to get it in all 8 colors.

8. a new bathing suit - A few months more and its summer. When we hit the beach, I hope to be in this Victoria Secret tankini looking sexy :-) Too bad I missed the sale on the bathing suit I was eyeing a few days ago. :-(

9. leather checkbook holder - I was just writing checks to pay the bills a while ago and noticed that the zipper on the checkbook case I'm using is broken. I could use a really nice leather checkbook case, I think I found some at Fino.

10. bluetooth headsets - When I'm on the computer and chatting away with my girlfriend, it would be more comfortable if I were talking to her with my hands free. Problem is, I'm not sure if there's something like this available for landline phones. A friend of mine from a call center says, the one they use is attached to an amplifier and that its quire expensive. :-(

11. omega constellation watch - I've been eyeing this watch for some time now. But I find the diamond bezel too flashy. I prefer to have it mother of pearl with the semi-precious stones inside but the ones without a diamond bezel, do not have it in that design. I also find the 'mini'/quartz size appealing but for the price, DH says I should consider the automatic which i find a bit big on my wrist. I'm still waiting for the right one for me. I've waited this long so I can wait longer.

12. quality time with the family - Its never easy to balance work and family. I'm pretty fortunate I am able to work flexible hours and spend more time with the kids. I wish DH and I can also have more opportunities to bond together.

13. good health for everyone in my family - A cliche, but its really true - Health is wealth. None of the above will matter without good health.

14.  adventure - our trip last year to Sagada/Batad was one of the most adventurous travels I've had. I'm not much of an adventurer, not even when I was in my twenties. But as midlife inevitably comes closer, you just feel like you have to take more action in making the most out of life. Trying out more unique experiences, tasting different food, looking at another perspective, all these I wish for 2009.

15. giving back - I'm grateful for all the blessings that I have and I wish to pay it forward in my own way. I wasn't able to concretize my plan last year but I wish I have the time and effort to be able to complete this for 2009.

Am passing on the bithday wish award to the sweet life,  jhari, jenny and belle, sassy mom's corner, Franny, Wanda, Arlene, Misty signs, Debbie and For Thoughts.

I had a great time coming up and sharing this wish list to everyone. Maybe you can share yours too. :-)

Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-11138851421852555052009-01-21T07:58:00.000-08:002009-01-24T06:44:58.110-08:00Manila Oceanarium
 It must be the age, but as years pass, DH and I feel more and more averse to crowds. That's why, when we saw this big crowd at Manila Oceanarium last December '08, we decided not to push through despite being there already. Fortunately, we were tipped by the guard that the crowds usually have cleared up by night time. And since the park was open till midnight, we decided to go back after dinner. Turned out, it was a good decision. We didn't have to push and elbow people while appreciating the marine life, plus, there was enough time to take all the pictures we want- sans the flash photography as it was prohibited.

 I've always been fascinated by the sea horse - the way the swim and coil their tails with each other. I particularly asked DH to take photos of it.

  Nico, me and Julia on those luminous blocks while watching the fishes swim.

The blue spotted ribbon tail ray Nico and me at the "Fish Spa"

For some reason, the "doctor fish" didn't want to nibble at Nico's feet. Even when he switched places where there were more fish, they just ignored his feet. This irked him a lot. Julia on the other hand, got scared when the fish started to nibble. She put her feet up the whole time, refusing to dip them back into the water.

Our guide on the glass bottom boat ride told us that more attractions are being built for the park. Coming soon are dolphin shows and a hotel connecting to the Manila Oceanarium. Next time...

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-5458766485002869682009-01-21T07:34:00.000-08:002009-01-22T00:04:57.794-08:00Money Matters

 This is a pile of unfiled bills and statements I have accumulated from last year. As part of my goal to declutter the house this year, this is my first task of order. I hate the task of filing...so it really helped that I had some motivation to do this ( bank statements and credit card bills for the last 3 months are some of the requirements for Australian Visa application).

Julia wanted to help as usual, so I had her highlight the dates for easier filing. I didn't realize it was such a good opportunity for teaching her about money until she asked. " Mom, why are the checks you paid Enopi with you now?"- She saw the checks returned by the bank. I tried to explain the mechanics to her in the simplest terms until she was finally satisfied with my answer. Then she paused to ask, "Mom, how do you pay when you sometimes buy something on the internet?". "I use my credit card.", I answered. "Aah, ok. You know, before, I thought you scanned the money and sent it to them, then they go to the bank to get it.", she explained her theory. I was amazed at how she tries to come up with the concept of things-money in particular. So, I guess its not too early to try and explain complicated things to her now.

 I took this experience further by training her to do the filing lol :-) - for future contingency plans he he he. Just today, when the phone bill came, I asked her to do the filing, and she was able to do it! Yey! I'm planning to retire early.

Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-2876696578447796012009-01-16T23:56:00.000-08:002009-01-17T00:44:26.258-08:00Good Kids

 Julia used to be a nerd. She hates it when school gets called off, loves to write and study and is the one to remind me of her homework (not the other way around). Nowadays, she has slightly shifted from that state. She now enjoys vacations more than school (she joins Nico is rejoicing for school holidays) and occasionally needs to be reminded to do her homework. I always tell friends that Julia has become "normal".

 Julia does well academically. Honestly, I don't have problems with her at all. What she routinely does is to open up pages of her homework and assignment notebook and all I have to do is sign them. Last quarter, she was top 4 in her class and was in the honor roll. Yesterday, she gave me the good news when she handed me her honor card. Sigh! I know...I'm so lucky.

 Nico is doing pretty well himself. Although not on the honor roll, Nico has a general average of 91 each quarter. This, he achieves all by himself, without me coaching him or a tutor. I know its not really a feat when you compare how we were in school before. But with kids these days mostly dependent on tutors, I consider it something.

 Last year, from out of the blue, Nico told me, "Mom, thanks for teaching me and helping me with my homework." I became teary eyed when he said this because it means he valued the time and effort I spent in teaching him. How many kids would know and be grateful of this?

 DH and I always discuss how lucky we are to have good kids. We feel really blessed and hope they become good adults in the future.

Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-16548538360191821592009-01-15T17:49:00.000-08:002009-01-18T01:12:14.353-08:00Dashing Diva
 Last Sunday, Julia attended a birthday party of her friend's held at Dashing Diva inside Beauty Bar. She was pretty excited as it was her first time to attend a party like this. When we got there, most of the girls were already on their seats having their nails done. Mommy Jeneen, the celebrant's mom, suggested I help Julia pick her nail color and also the nail art design that she wanted.

 While waiting for her manicure/pedicure, Julia decorated her own cupcake with pink icing and "lipstick" marshmallows. The girls chatted away while having their nails done. Their smiles evidently showed that they were having a great time. I made Julia wear her flipflops so she won't ruin her pedicure. Some girls, who wore closed shoes were made to wear disposable slippers while they stay at the drying area.

When DH came to get us after the party, he only has one word about what he saw - "Kikay!" as he shook his head repeatedly.

Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-79183604872706430652009-01-05T17:08:00.001-08:002009-01-05T18:26:54.274-08:00Christmas gifts

 The Christmas tree and decors have been put down and this marks the end of the Christmas season in our house. The kids are back to school and I'm back to reality.

 One of my goals for the year is to minimize the clutter in the house. But right now, while putting away gifts from Christmas, I realize that its more than material things that I need to declutter. I just checked the text box on my phone and it has 225 messages while the count on my personal email has 1348 messages (most of them trash). Anyway, I'm really seriously planning to change this habit so I'll be posting updates now and then to help me achieve this goal.

 While lookin through the kids' gifts, I thought it might be interesting to post them here - their favorites anyway :-)

 Julia got this Zip-It bag from Auntie Maleen. As the name suggests, its made of long 2 toned zippers that when zipped all throughout, makes into this cute small body bag. I actually had fun zipping and unxipping it. Felt it more like a toy than a bag :-)

 Nico instantly loved this Mickey Mouse Mp3 player when he opened it. It comes with a silicon case and lanyard earphones. To switch on/off or adjust volume, you have to turn the ears of Mickey as knobs. Nico has his own playlist album on our ipod, so the very same hour he got this gift, he transferred the songs to his new mp3 player. Clearly, this gift is the coolest he got for Christmas. thanks mon and jen!
Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-60552349518520580492008-12-31T02:03:00.000-08:002009-01-03T02:26:01.876-08:00Reed Diffuser

 I recently got this reed diffuser for Christmas and instantly loved how it made our room smell so nice. It gives out an atmosphere that's cheerful and relaxed. The diffuser set contains a bottle of scented oil, a glass jar with cover and rattan sticks that absorb the fragrance oil. What makes this really convenient is that you don't need any candles and is basically maintenance free - no need to turn on or off. I'm not sure if this is already available from our local Body Shop stores, but I've seen other brands from the home section at Robinson's. The fragrances available are not as unique as "cherry blossoms" but since it only costs P200, it was worth a try.

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-66167531184207110662008-12-26T21:26:00.000-08:002008-12-30T04:36:19.942-08:00Santa's identity

  Ever since we had our own home and Christmas tree, its been our tradition to open gifts on the morning of December 25. The kids really look forward to this and I think the element of suspense and surprise in waiting for Christmas morning to open them makes it really special. Each year, Santa's gift would be the most awaited. This is probably because Santa's gifts always come on Christmas morning itself when they the kids don't really have time to shake, feel, peak and try to guess whats inside :-).

This year has been a bit tough for Santa - who thinks its become more and more dificult to stay unidentfied. Nico, who's just recently discovered (around 2 years now, i think) Santa's true identity had to pretend he doesn't know who he is for Julia' sake. He's not doing a good job of it and often makes meaningful faces whenever the topic of Santa pops up. Also, Julia, who's just lost her first tooth this year, had been disillusioned when her Kindergarten teacher told her that tooth fairies aren't real. I'm thinking, it won't be long until she discovered the same thing about Santa, thus the apprehension.

I wasn't sure how to go about it especially when Julia started to make comments and reactions after opening Santa's gift.   Julia gave me a big surprised but happy look when she first opened Santa's gift. I wasn't sure what she meant until she explained that one of the Sanrio notebooks Santa gave her was the same one we gave her cousin. Oops...I forgot that she'd be able to see what I wrapped for her cousin.

 Later on that the day, Julia commented that there was a trace of price tag on the notebooks. "Santa removed the price tags.", she mentioned. Then she said, "Mom, Santa bought this from the store. Maybe he's shopping when we're sometimes at the mall and we just dont recognize him." I responded by saying, "Maybe its the elves who does the shopping for him."

 It was so much easier to go about these things with Nico before. Probably because Nico was half as perceptive as Julia at her age now. Imagine Julia, who had to ask what was inside the wrapped packages I prepared, who knew all the designs of wrappers I had at home, who insists on helping me with wrapping, who patiently watches me after I tell her she cannot help and you'll understand what I'm talking about. From the way she phrases questions and make comments, I wouldn't be surprised if she figures things out before next Christmas.

I'm running out of creative ideas to keep Santa's identity safe. Any suggestions?

Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-55955884468910111732008-12-22T20:48:00.000-08:002008-12-22T21:01:54.914-08:00Realizations afer reading Twilight

It's been a while since I've gone to the movies since the "ber" months ushered in, so when Twilight made it to the silver screen a few weeks ago, I didn't have a hard time to ask DH to go with me. I've heard about Twilight several months before and got curious what the hype was all about. I wouldn't rate the movie "A" but decided to read the book version to answer some of my questions about the plot. After reading the 4 books in the Twilight saga, I realize that....

1. ...the theme of "love" is universal. Stephenie Meyer wrote it to cater the the young juvenile but clearly, the age of the characters were not an issue for the older and more mature audience. Reading the book at my age, felt like experiencing first love in high school all over again. I guess the appeal extended beyond the teenage years because it was reminiscent of how young love was. (sigh)

2. ...I don't buy the "you can love 2 people at the same time" idea. With regard to this issue, I'm no "Switzerland", either you're on Team Edward or Team Jacob, not somewhere in between. For me, trying to hold onto the 2 loves in the story made the female protagonist Bella look selfish and greedy.

3. ...I'm terribly old fashioned; or else, I wouldn't find Edward's lines such as "Charlie, I realize that I've gone about this out of order. Traditionally, I should have asked you first. I mean no disrespect, but since Bella has already said yes and I don't want to diminish her choice in the matter, instead of asking you for her hand, I'm asking for your blessing. We're getting married, Charlie. I love her more than anything in the world, more than my own life, and – by some miracle – she loves me that way, too. Will you give us your blessing?" chivalrous and romantic. If I didn't enjoy or appreciate gadgets and technology so much, I'm inclined to think I'm an old soul.

4. ...that I should have stopped reading at book 3 - Eclipse. I was more than a bit disappointed with Breaking Dawn. The main characters were quite inconsistent with how Meyer built them up in the first 3 Twilight books. Its as if a different writer finished the last sequel to the saga. By the ending chapters of the book, I even found myself wishing Meyer wouldn't finish it with a happy ending that everyone was waiting for- which was very unlikely of me. The plot just got crazier and crazier it was getting really hard to imagine. Instead of being able to enjoying the book, I found myself spending time questioning and trying to fill up holes in the plot.

 5. ...that I miss reading fiction. For a while, the materials I've been reading are mostly under the non-fiction category like biographies, inspirational essays and journals. I've almost forgotten how fun it is to get lost in a book and let my imagination lead the way.

 There's a lot of contradicted opinion on Twilight, some call it trash yet others are obsessed with it. All in all, I think it was good book. It delivered well its purpose which was to entertain and I was. So, if you're piqued at how a vampire/human love story would go, go ahead and read it. Only, take my advice and stop at Eclipse. :-)
Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-92203286354648852982008-09-02T07:10:00.000-07:002008-09-02T17:52:23.027-07:00Olympic Friendlies
 After following the Olympic opening and games last August, Nico & Julia were really bitten by the Olympic bug. DH and I found ourselves consuming "Happy Meals" from McDonalds's just to get those Olympic collectibles. Recently, a friend of mine had her mom buy these FuWa from Beijing for Nico & Julia. Nico super loves Jing Jing, who represents the panda. He's had this thing with stuff toys especially pandas. I think it started when we first went to Ocean Park when he was 4 and saw a real panda. The second time we were there, we bought him a cute panda stuff toy that he keeps with him while he sleeps. When Nico slept over at his cousin's house last weekend, he wanted to bring JingJing with him. I advised him to leave his stuff toy at home so he told Julia that she could sleep with JingJing for that night. I thought that it was really sweet of him :-)

A while ago, the kids asked for some paper and showed me these drawings. I just love them. What do you think of their drawings?

Julia's drawing of BeiBei

 Nico's drawing of JingJingPin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-47377365331181019682008-08-13T08:15:00.000-07:002008-08-14T06:11:02.055-07:00Iba talaga pag babae...

This was what I found waiting for me on my desk after I came back from the grocery. I let out an "Aaawwww..." and showed DH what I found. She's just so sweet, don't you think?

Aside from drawing and doodling, Julia loves to write small notes like the one above. She got some Lisa Frank sticky notes from her "koko" and gave me 2 sets because she knows I like using them. Last week, I was having a home service haircut in the living room when she brought out the electric fan all by herself. "Is this okey, mom?" she asked. And I was like, "Thanks so much, sweetie!", while I gushed at how thoughtful she is. Its times like this that remind me to be thankful for having a daughter. As they say in Filipino, "Iba talaga pag babae!"

Pin Thoughtshttp://firstname.lastname@example.com:blogger.com,1999:blog-67336572781076280.post-43078088133911508632008-08-12T18:32:00.000-07:002008-08-14T06:09:53.227-07:00To the crazy ones.
I was at a workshop a few months back when I found this posted on the wall. The title and the first few lines caught my attention. I want to share this to all the misfits, who sometimes feel like the odd in a group of even. A black in a group of white. Being a misfit isn't bad like other people would think. It doesn't mean that you are wrong and they are right. It just means that you think differently and see things in another perspective. It means that you found your true self and don't need to follow what others are doing to feel normal. Being "crazy" is sometimes a good thing...it sets you you free and leads you to being happy.

To the crazy ones.

Here's to the crazy ones.
 The misfits.
 The rebels.
 The troublemakers.
 The round pegs in the square holes.

The ones who see things differently.

They're not fond of rules.
 And they have no respect for the status quo.

You can praise them, disagree with them, quote them,
 disbelieve them glorify them or vilify them.
About the only thing you can't do is ignore them.

Because they change things.
 They invent. They imagine. They heal.
 They explore. They create. They inspire.
They push the human race forward.

Maybe they have to be crazy.
How else can you stare at an empty canvas and see a work of art?
 Or sit in silence and hear a song that's never been written?
Or gaze at a red planet and see a laboratory on wheels?

We make tools for these kinds of people.
Because while some see them as crazy ones, we see genius.

And it's the people who are crazy enough to think they can
change the world, who actually do.Pin Thoughtshttp://email@example.com:blogger.com,1999:blog-67336572781076280.post-45341850381369592052008-07-29T20:56:00.000-07:002008-08-07T09:52:19.293-07:00Julia's Scrap and Salon Party

Now that I've decided to blog about Julia's Scrap and Salon party, I realize that I didn't take as many pictures that I was suppose to. If you planned and prepared a party such as this one, you'd understand how taking pictures can conveniently be forgotten over other more pressing matters during the party. Lest you think that we had a hundred guests, it was just a small and intimate party held at our home. Julia's not one who enjoys big parties so it doesn't seem right to give her a big one even if this was her 7th birthday.

The idea for the Scrap and Salon party was conceptualized early summer. I was at the duty free shops and saw some "kikay" sleeping masks and thought it would be a good item for giveaways. To prepare for the 'Salon" part of the party, I bought the following:

1. iron curler
2. hair wax in colors pink, blue and golden yellow
3. nail polish
4. nail stickers
5. jewelled clamps, hair ties, colored clips

Since yaya is an expert at fixing hair, she took care of the parlor booth. The girls told yaya what hairstyle they wanted and chose the pins and accessories they preferred to be used on them. At first, none of the girls wanted to use the colored hair wax but when Mjane started to apply them on one of the girls, they welcomed the idea. Inasmuch as I want to show you guys how it looked like, I can't because I missed taking pictures of those. I was multi-tasking-photographer, party organizer, food coordinator kaya di nakayanan ng powers ko :-(

I also set up a nail polish area where the kids could chose their nail color and nail sticker designs. While the others were in the parlor, some were busy making scrap pages using the pictures I asked them to bring. I bought foam stickers, colored paper, boards for the scrap party. I also brought out all of my gel pens, markers, stencils etc for the kids to use. In the beginning, I tried explaining to them some techniques they can use and gave them some ideas on how to go about scrapping. But, they didn't seem too interested as they were too excited to start working. As in they looked like they were going to burst if I had to discuss some some. In the end, I gave up explaining and just let them have a good time. For most of the girls, it was their first time to scrap so they were focused on the stickers and other materials they could use.

After the girls had their hair fixed at the parlor, I took pictures of them using my camera and printed them on the spot using our newly purchased Canon Selphy printer. The girls enjoyed seeing their pictures being printed on the spot. I placed their picture in a photo slot on their canvas tote which was part of the giveaways. In the bag, I placed a set of poster colors, a giant scrap book, a 'kikay' pen with mirror, a personalized notepad and a girly sleeping mask. Of course, they also got to bring home the scrap book pages they created during the party which I bound using a single hole-fastener.

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For the cake, I made around 2 dozens vanilla cupcakes and decorated it with pink and yellow icing. Using the same theme of fairy princess from the paper plates, cups and napkins, I also made some cupcake toppers to match. All these entailed several hours of planning and preparation but I was really satisfied with the outcome.

It was after the party that I realized I forgot to bring out the icecream! It totally slipped my mind. The next time I'm throwing Julia another party like this, I have to remind myself to come up with a checklist. It was tiring and busy planning and preparing for the party but I did enjoy myself in the process. It was enough for me that Julia had a great time. Maybe a sleepover party next year :-)
Pin Thoughtshttp://firstname.lastname@example.com


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The PGA Tour heads south of the border this week for its lone sanctioned event in Mexico. Here are some early-round groups to keep an eye on at the OHL Classic at Mayakoba, where Matt Kuchar finds himself grouped with the Tour's two newest winners (all times ET):
Smylie Kaufman, Charley Hoffman, Keegan Bradley: 7:30 a.m. Thursday, 12 p.m. Friday
Hoffman returns to Mexico to defend the title he won last year by one shot over Shawn Stefani. He'll be joined for the first two rounds by Kaufman, a Web.com Tour grad who entered the winner's circle last month in Las Vegas. Bradley will round out the threesome as he makes his tournament debut, eager to get back on track after a disappointing season and still in search of his first win since 2012.
Harris English, Jason Dufner, Carlos Ortiz: 7:40 a.m. Thursday, 12:10 p.m. Friday
English won this event in 2013, the first time it was held in its new fall date and the first time it offered a Masters berth to the winner. Also in this group will be Dufner, who like his friend Bradley is looking to get off to a strong start after a down season, and Ortiz, the Mexican native who won Web.com Tour Player of the Year honors in 2013 and will have plenty of crowd support.
Geoff Ogilvy, Angel Cabrera, Graeme McDowell: 12 p.m. Thursday, 7:30 a.m. Friday
This trio includes three former major champions, headlined by McDowell who is making his tournament debut after missing the FedEx Cup Playoffs entirely last season. Ogilvy and Cabrera missed the postseason as well, but they remain exempt thanks to wins in 2014 and the Argentine already has two made cuts to his credit during this wraparound season.
Matt Kuchar, Russell Knox, Peter Malnati: 12:10 p.m. Thursday, 7:40 a.m. Friday
Kuchar was a late addition to this week's field and will be making his season debut. He'll be joined by Knox, who won last week in China and is the only player to tee it up in all five weeks of this new season. Rounding out the group is Malnati, who survived a Monday finish to earn his breakthrough victory at the Sanderson Farms Championship.


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A ScopeCorder is an instrument combining a mixed signal oscilloscope and portable data acquisition recorder into a modular platform designed to capture both high-speed transients and low speed trends. Yokogawa's ScopeCorder product family provides flexible and high-performance multi-channel test instruments by combining a variety of signal conditioning input modules, on-board calculations, and deep data acquisition storage. The ScopeCorder delivers high signal fidelity and long term recording for both high speed transients and low speed trends to meet the most stringent measurement requirements.
A ScopeCorder combines the transient signal capturing capabilities of an oscilloscope with the long-term datalogging capabilities of a data recorder.The DL350 ScopeCorder is a portable instrument featuring the deep measurement and recording capabilities you need in the lab in a compact instrument you can take into the field. For "quick and easy" troubleshooting or sophisticated mixed-signal datalogging, the DL350 is a portable, powerful, and useable engineering tool that makes complete measurements completely portable.
ScopeCorder DL850E combines a mixed signal oscilloscope and portable data acquisition recorder into a modular platform designed to capture both high-speed transients and low speed trends. Using flexible modular I/O with built-in signal conditioning, precisely measure electrical, physical sensor signals and CAN/CAN FD/LIN/SENT serial bus for applications ranging from R&D research to in-vehicle data logging.
Localized language brochures are available below in the Downloads tab.
The SL1000 is a modular data acquisition system that delivers independent, isolated channel hardware at high speeds up to 100 MSamples per channel, with no compromise in bit resolution, memory depth, or data streaming performance. Choose from a wide variety of I/O modules for electrical and physical sensor signal measurements to meet the needs of any medium channel count application.
An oscilloscope is only as good as its probes. Our range includes high voltage, differential, active, low capacitance, and passive types, with ranges to 30kV and frequency bandwidths to 5 GHz.
|DL350 Scopecorder
|DL850E/DL850EV Scopecorder
|SL1000 High Speed DAQ
|Instrument Control
|Standalone or PC-Based
|Analog Channels
|Max 8 isolated CH
|Max 32 isolated CH
|Max 128 isolated CH
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|Max 100 MSamples/sec
|Max 100 MSamples/sec
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|Max 16 Bits
|Max 16 Bits
|Input Modules
|Voltage, Temp, Strain, Accelerometer, Frequency - Supports 18 modules
|Voltage, Temp, Strain, Accelerometer, Frequency - Supports 20 modules
|Voltage, Temp, Strain, Accelerometer, Frequency - Supports 13 modules
|CAN/LIN Bus Input
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|DL850EV model only
|Not available
|Trigger Functions
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|Rise/Fall and Enhanced Scope settings on all channels
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(/G3, /G5 Option)
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|Battery powerd operation
|Not available
|Not available
Testing actuation of a side impact airbag to measure the optimal timing.
How can I capture data from motion sensors synchronized with other analog data? The Yokogawa ScopeCorder series of instruments feature input modules and functions to make this possible.
How to use built-in calculations to analyze motor rotor position and find the relative angle between the rotor and sensors such as encoders or resolvers.
The DL850 can take engineers to a new level of efficiency in the development of everything from green devices to complex advanced systems.
In recent years, energy-saving instruments including inverters have been actively developed. Researchers in R&D sections want to evaluate their prototypes in real time to enhance the development efficiency. Therefore, measuring instruments are required to have functions for not only simply recording data but also immediately calculating power values and efficiency based on the data. To meet this demand, Yokogawa has developed a unique real-time math function for the DL850 ScopeCorder, our multi-channel waveform recording instrument. This paper gives an overview of the function and its application examples.
To meet today's demands for the most accurate and precise power measurements, the instruments need to be properly calibrated to national and international standards. This article explains the importance of calibrating power meters and analyzers according to the user's particular application.
This article explains the specific features of the DL850V ScopeCorder that makes it the ideal tool for developments related to electrification of the powertrain and testing hybrid engine technology.
In this article Terry Marrinan, Vice President for Test & Measurement at Yokogawa Europe, explores how the complexities of advancing industry standards and regulations are driving demand for test & measurement across many applications.
This article explains how potentially significant time savings can be achieved in the development of electromechanical processes if the calculations of power-related parameters can be carried out in real-time by the data-acquisition recorder.
In a ceremony held last evening in Las Vegas, NV, Test & Measurement World honored the winners of our 2008 test industry awards. Russ Pratt, publisher, and Rick Nelson, Editor in Chief, hosted the ceremony, during which we presented awards to the recipients of the Test Engineer of the Year award, the Best in Test awards, the Test Product of the Year award, and the Test of Time award.
The definition of a high-performance oscilloscope really is all about the customer's point of view. Two scopes may have the same bandwidth, number of channels, sampling rate, operating modes, and memory length. Yet, one will be bought instead of the other because its software or triggering capability or measurement suite better matches the customer's application requirements.
After a disastrous 2009, the large publicly held test companies enjoyed booming business in 2010.
The need for accurate and reliable power measurement is greater than ever before. As the demands of society and its reliance on advanced technology continue to grow, so energy consumption is increasing at a rate that is unsustainable without a significant shift to alternative energy sources - which themselves require the use of new power electronic technology in the form of high-frequency inverters.
The definition of a high-performance oscilloscope really is all about the customer's point of view. Two scopes may have the same bandwidth, number of channels, sampling rate, operating modes, and memory length. Yet, one will be bought instead of the other because its software or triggering capability or measurement suite better matches the customer's application requirements.
When making a WT230 RS232C connection using GateWT, please verify the following RS232C communication settings on the instrument: Mode = 488.2 Hand = 0 For = 0 Baud Rate = 9600 Terminator Cr+Lf Even though you can run ...
In the oscilloscope's QIS (Quality Inspection Standards), the "beat method" can be used to inspect and verify the time base accuracy. The "beat method" utilizes the aliasing effect to create a "beat waveform." The "beat ...
When making a WT230 RS232C connection using GateWT, please verify the following RS232C communication settings on the instrument: Mode = 488.2 Hand = 0 For = 0 Baud Rate = 9600 Terminator Cr+Lf Even though you can run ...
Unfortunately there is no way to read these warning messages on the DL750. In addition, there is no other command available to determine if there was "No Matching Record" found in History for a particular ZONE ...
No, this "calibration" does not refer to the ScopeCorders Auto-Cal feature. When the Auto-Cal function is set to OFF, the ScopeCorder will not automatically calibrate after a 30 minute warm-up period. You must do a ...
My DL750 HDD RECORDING "REALTIME" Files are missing. Please help. (Or: You need to locate them and move them to my PC via USB THUMB DRIVE.) DL750 REALTIME FILES ".WDF Files" are not visible on the DL750 HDD ...
In the oscilloscope's QIS (Quality Inspection Standards), the "beat method" can be used to inspect and verify the time base accuracy. The "beat method" utilizes the aliasing effect to create a "beat waveform." The "beat ...
More than a test tool
Typically, a portable scope or test tool is used by an engineer to diagnose faults on a production line in real-time, or to carry out tests in a workshop. But how can faults be detected and diagnosed when they are intermittent and the engineer needs to be somewhere else? On the other hand, a portable data logger can capture lots of data, including the faults over a period of time, but requires the data to be searched and analysed later to make sense of it.
This comprehensive training module covers the following topics:
Using the DL350 Memory Recorder Mode Easy Setup, combined with a 16-channel thermocouple input, it's easy to record hours, days, or weeks of data with a few simple settings.
In this video, Dami Ashebu, an Application Engineer with Yokogawa Test and Measurement discusses how a DL850EV data acquisition system can be used to gather various analog and serial bus data for systems validation and reverse engineering in the automotive industry.
In this video we review the major features of the DL350 showcasing its portability, functionality, and operability. This device features battery power, 18 signal conditioning input modules, and touchscreen access to enhanced triggers, math, and analysis.
Looking for more information on our people, technology and solutions?


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Friday, 1 January 2010
New Year's Hobby Resolutions
Happy New Year to you! I'm sure there will be lots of resolutions floating about the blogosphere at this time of year so here's mine to add to the noise:
1- Build, paint and play at least 1 game with my new Ogre Kingdoms army
2- Complete my Witch Hunters army to 1500 points
3- Build and paint at least one super heavy
4- Play at least 25 games total of either 40K or Fantasy
5- Play in at least one proper tournament
6- Paint at least 120 points worth of minis on the lonepilgrim painting point scheme (I did 109 this year)
Hopefully I can manage at least half of these before 2011 rolls around.
Posted by Tigerstyle at 10:50
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ALBANY, April 7. -- Police Commissioner Bingham of New York in a letter to Gov. Hughes received to-day recommends legislation as the only means by which sparring contests can be stopped, or at least properly supervised in New York City. View Full Article in Timesmachine »Continue reading the main story
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Taking in the night in Paris for the Mango Fall Campaign, famed photographer Terry Richardson takes some great shots. Sexy Brazilian model Isabeli Fontana plays femme fatale thru the streets of Paris in these seductive images. Yummy.
Thursday, September 29, 2011
Mango Fall 2011 Campaign
Posted by Darvin Silva! at 5:59 AM
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OIC Tells Myanmar to Protect Rights of Rohingya Minority
TEHRAN (Tasnim) – Myanmar must protect the rights of its Rohingya Muslim minority, the chief of the Organization of Islamic Cooperation (OIC) said on Thursday, urging the southeast Asian nation to join hands with Muslim-majority neighbors in tackling a refugee crisis.
- August, 03, 2017 - 17:02
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A group known as Harakah al-Yaqin attacked Myanmar border guard posts on Oct. 9, killing nine policemen and igniting the biggest crisis yet to face Nobel peace laureate Aung San Suu Kyi's fledgling administration.
About 75,000 people fled to Bangladesh during the ensuing military crackdown, which was beset by allegations of rape, torture and extrajudicial killings by security forces.
Suu Kyi's government has denied most of the allegations and is refusing access to a United Nations panel of experts, saying its mission will aggravate the situation on the ground in the western state of Rakhine.
"Myanmar should sit with Bangladesh, Indonesia and Malaysia to find a roadmap for the solution of the crisis," said Yousef bin Ahmad Al-Othaimeen of the OIC, which represents 57 states and acts as the collective voice of the Muslim world.
"We call on the Myanmar government to ensure human rights for the Rohingyas," Othaimeen told reporters during a four-day visit to the Bangladeshi capital, Reuters reported.
"Myanmar can't deny the human rights of Rohingyas. We also call on the Myanmar government to ensure citizenship for the Rohingyas."
Othaimeen is also expected to visit Rakhine Muslims in the Kutupalong camp and surrounding areas in the southern resort town of Cox's Bazar on Friday, Bangladesh foreign ministry officials said.
Thousands of Rohingya live in Bangladesh without being officially recognized as refugees, but police rarely file immigration charges against them. Still, their presence is a source of tension between the two countries.
Many in Myanmar see the Rohingya as illegal immigrants from Bangladesh, although about 1.1 million of them live in Rakhine state and say their roots go back generations.


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Our Neighbors Needed Us, Answering the Call for Emergency Relief
The Salvation Army answered the call for assistance from DC and Prince George's County Emergency Management officials this week to lend a hand to residents affected by last Sunday's violent thunderstorm. The Salvation Army National Capital Disaster Services team deployed the FedEx Canteen and brought food and hydration to residents in the District and neighboring Prince George's County. The Army provided lunch, dinner and much needed water to individuals and families that remain without power in many neighborhoods.
The meals were prepared jointly by an Area Command team and Harbor Light staff. Major Earl Fitzgerald and Captain Roger Hasty (pictured above) assisted the effort by operating and serving from the canteen (mobile kitchen unit) and offering prayer to people who asked for it.
On Wednesday, 266 lunches, 428 cold beverages and 114 snacks were delivered to a DC Emergency Relief Center and Shepherd's Park. Similar efforts were made in Prince George's County. The DCEMA is in the process of closing down its emergency program as power to the city's residents continues to be restored. The Salvation Army completed its disaster relief service in PG County late Wednesday.
Here are the final statistics for this week's local emergency relief activities:
- 671 meals served
- 1,058 drinks distributed
- 339 snacks distributed
- 32 people prayed with
- 6 locations served


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Today the VIX continued higher above the blue line from yesterday afternoon's cross to the topside causing another mild selloff on the indexes. On the upper chart, the SPY, we can see we are clearly downtrending away from its upper channel line. The market is still under the sell signal from yesterday afternoon but if the VIX breaks above the brown channel line tomorrow it will trigger an additional sell signal.