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Archive for October, 2011

Tips for Surviving a Recession

Posted by Angelica on October - 18 - 2011

Quotes of the Day

~ “We’re still in a recession. We’re not going to be out of it for a while, but we will get out. – Warren Buffett
~ “Everyone drinks more during a recession; they want to forget. – Christian Audigier”

 

Recession can happen at any point of time to any countries around the world, even more in a highly developed nation. One of the main reasons why nations go into recession is when supply exceeds the demand and goes against the economics law. When this happens at a minimal rate, it doesn’t hurt the natures of macroeconomics, but sometimes, financial institutions, corporations, small & medium enterprises & individuals become a little too greedy and go beyond their personal capacities of borrowings and lending. The first few signs of a recession include the increase of bad debts, inflation, the rise of cost of living, unemployment, & the decrease in purchasing power. These eventually lead to banks cutting down on their borrowings, consumers not having enough funding to continue growing a business or investment, thus resulting in cost cutting, major layoffs and decreased purchasing power. This is usually a vicious cycle of a recession that many countries see when its economy is growing robustly. It is something that no one manages to predict and everyone, from the rich to poor will suffer from it.

 

10 Tips of Surviving Recession

 

  1. Cash is king –save as much cash as possible while you’re still employed. When recession hits, financial institutions immediately cut down on lending of any form (credit card, loans, mortgages, etc). Your fallback will have to be the emergency fund you built in the good days. In any event you lose your job; you need at least 6 months’ pay to survive! Even more reason to save if you’re accountable for a big family. The best ways of savings would be in short term money markets that are easy to liquidate.
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  3. Keep a financial journal – one of the first rules of organizing your financials is keeping track of it. You don’t need financials softwares or solutions to do this. A simple excel works great in tracking your expenses and which categories it hits. Your financial categories should be broken down by into major categories such as groceries, mortgages, medical, transportation, utilities, savings and other essentials. Once you have a structured list which shows you where you income flows, it’s easy to determine the ways to cut down on it.
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  5. Reduce buying –postpone any plans of home makeover, changing your car, wardrobe reorganizing or anything that can wait. Put up with whatever you have currently and buy only essential or necessary goods. If possible, buy in bulks the items which are staple use for your home as this tend to be cheaper.
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  7. Don’t overspend – you would need to still spend for your food & clothes and other daily necessities, but opt for the cheaper choice. Cheaper doesn’t usually mean you need to compromise on quality or comfort. Just forget about brands and luxury for some time and opt for generic items. Tip: Substitute the Starbucks coffee with a fresh home brewed coffee!
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  9. Limit using you credit card – stick to paying off the minimum payment and keep you credit line available for any emergency use that might come along at the time you least expect. If possible, try to settle any outstanding on the credit card while you’re still on an income. The key rule is to pay off loans which incur the highest interest and keep a clean credit line for times of need.
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  11. Take advantage of the stock market – if you have any excess cash available, take the opportunity to buy good undervalued stocks when the market is at its lowest. Learn up about investment in penny stocks at http://www.realpennystocks.com/. Penny stocks when played with the right strategy will give you a nice side income to offset your financial woes.
  12. A Guide To Understanding How Penny Stocks Work-recession

     

  13. Think of other creative & smart ways to make money on top of your day to day job – Some of the common ways of making extra money starts at your home. Perform a home spring cleaning and put aside the things you don’t need. Sell them at cash converters, second hand shops, or organize a garage sell in your neighborhood. See http://www.101waystomakemoney.com/ to learn more about other ways to earn legitimate income.
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  15. Refinance your car loan and mortgages – one of the good news that recession brings is the decrease in interest rates of loans and mortgages. Speak to banks about refinancing your loans at the spot rates which tend to be lower. Survey different lenders to find out the best rates that are being offered in the current market before agreeing to a financier.
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  17. Keep yourself covered at all timesWorkout your insurance coverage for you and your family especially when it comes to medical protection. You want to make sure that in an event of mishap during recession
    times, you’ll be protected by your own insurance. Never rely utterly on the compensation of your company. You never know what cost cutting the employers go into in times of recession. Even worse if you lose your benefits in kind collectively with the layoff.
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  19. Stay safe at jobs or start polishing up your resume – When companies start downsizing, the rule of thumb is usually based on “Last in first out” or “getting rid of the bummer”. If you’ve not qualified of being the most experienced staff or the employee of the month, start increasing your productivity at work or start getting people to realize your importance in the office. At the same time, make necessary updates to your resume and call up job agencies and update your profile with them. An early job hunt would never hurt you in times of recession.

Financial Freedom during recession

 

Steve Jobs Quotes

  • “I think we’re having fun. I think our customers really like our products. And we’re always trying to do better.”
  • “My model for business is The Beatles. They were four guys who kept each other’s kind of negative tendencies in check. They balanced each other and the total was greater than the sum of the parts. That’s how I see business: great things in business are never done by one person, they’re done by a team of people.”
  • “Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations.”
  • “No one wants to die. Even people who want to go to heaven don’t want to die to get there. And yet death is the destination we all share.”
  • “Your time is limited so don’t waste it living someone else’s life

 

Carrying the real name ‘Steven Paul Jobs’, he was commonly known as Steve Jobs and highly linked to Apple more than any other companies he was associated with. Born on the 24th February 1955, in San Francisco, California, he grew up in a lower middle class family with an educational background of merely high-school certificate and dropped out of college after just the first semester.

Years late, Forbes magazine 2010 ranked Steve Jobs as the 136th richest man on Earth with a Net worth of $8.3 billion in 2011!

I’m not even a big fan of tech and yet when I heard the news of Steve Jobs passing, it saddened me instantly; and then I realized why. He played a huge part in heaps of things that gave happiness & fun in my life; Pixar, Walt Disney, Toy Story, iPod, iPad & communication… Nature’s law of attraction does hit you when you least realize it.

 

Facts of Steve Jobs

Full Name: Steven Paul Jobs

Age: 56 as @ year 2011

Occupation: Co-founder & CEO of Apple Inc.

Adoptive Parents: Paul and Clara Jobs

Religion: Buddhist

Married to: Laurene Powell ; married for 20 years

Children: Lisa Brennan-Jobs (born 1978.) Reed (born 1991), Erin Siena (born 1995) and Eve (born 1998)

 

Early Life of Steve Jobs

Biological parents of Steve Jobs were unmarried Joanne Schieble and Syrian Muslim father Abdulfattah Jandali who met at students at the University of Wisconsin, Madison. His mother had forced to put the baby(Steve Jobs) for adoption as her parents wouldn’t allow her to marry a Muslim.

Steve Jobs Father

Steve Jobs biological father – Abdulfattah Jandali

Steve was adopted by couple Paul & Clara Jobs, who later had they daughter Patti Jobs in 1958. His adoptive parents divorced in 1962.

His biological parents, Schieble & Jandali eventually got married and had a child, Mona Simpson(novelist). Steve discovered his biological sister at the age of 27. Steve describes his sister as “one of my best friends in the world”.

Steve Jobs Biological Sister- Mona Simpsons (novelist)

Steve Jobs Biological Sister – Mona Simpsons (novelist)

Jobs traveled to India Kainchi Ashram with a Reed College friend, Daniel Kottke, in search of spiritual enlightenment. He came back a Buddhist with his head shaved and wearing traditional Indian clothing.

 

Steve Jobs – Family

Steve fathered a child with girlfriend of high school, Chris Ann Brennan. His daughter, Lisa Brennan-Jobs lived with him as a teenager.

Lisa Brennan Jobs

Steve with his daughter from high School girlfriend – Lisa Brennan

Steve met his wife Laurene Powell at Stanford University while giving a speech there. They married in 1991 in a Buddhist ceremony. The couples have a son & 2 daughters.

Apple's Steve Jobs and Laurene Powell

 

Career Path of Steve Jobs


Steve Jobs Career Path


Steve Jobs in Apple


Apple Founders: Steve Jobs & Steve Wozniak

Steve Jobs left with co-founder Steve Wozniak

Apple Inc. was founded in the family garage in 1976 by Steve Jobs & co-founder Steve Wozniak. It’s currently a multinational corporation that creates consumer electronics, softwares & serves.

At Apple, Steve Jobs introduced revolutionary innovations, the OSX(world’s most advance desktop Operating system), iPod, iPhone and the iPad.

Apple Founder: Steve Jobs

‘AAPL’ is the stock symbol under which Apple Inc. trades on the NASDAQ stock market. Apple originally went public in on December 12, 1980, with an initial public offering at US$22.00. Apple shares today are worth close to US$400. It’s the largest technology firm in the world with annual revenues of more than $60billion.

 

Personal with Steve Jobs

Lifestyle: Workaholic before marriage & family focused after marriage

Spirituality: Zen Buddhism

Favorite Places: Yosemite, where his marriage was held & Europe, Paris in particular

Political view: Democrat

Favorite Music: Bob Dylan, Beatles & Grateful Dead

Favorite Art: Photography & Japanese Prints

Food Preference: Strict Vegetarian

Home: Woodside Mansion

Car: Porsche, Mercedes, German cars

Work ethics: Perfectionist, arrogant, demanding, & aggressive

 

Steve Jobs Death


Jobs died on Wednesday, October 5th at the age of 56 after a long battle with a rare form of pancreatic cancer. News of his death has shocked millions of fans around the world.

Steve Jobs Funeral

Apple says that Steve had ensured all specifications required in developing the new iPod, iPhone, iPad & Macbook had been passed to the other engineers.

He is a great loss to Silicon Valley and around the world.

Steve Jobs: You will be remembered and missed dearly for the innovations & inspirations you’ve brought to us!

 

What would you say to Steve Jobs if you had the chance to meet him in person before he died?

-leave your comments and final  tributes to Steve Jobs below at our comments section.

 

Get Steve Jobs Apple Products

 

 

Handpicked Humor at its Best – Love, Dating & Women

Posted by Angelica on October - 6 - 2011

 

Nobody Loves me

Mary was having a tough day and had stretched herself out on the couch to do a bit of what she thought to be well-deserved complaining and self- pitying.
She moaned to her mom and brother, “Nobody loves me … the whole world hates me!”
Her brother, busily occupied playing a game, hardly looked up at her and passed on this encouraging word: “That’s not true, Mary. Some people don’t even know you”.

Love

 

Mom knows Best

John who stays in college apartment, invited his mother over for dinner. During the course of the meal, his mother couldn’t help but notice how John and his roommate Julie looked at each other. She had long been suspicious of a relationship between the two and this only made her more curious. By the end of the evening she was convinced there was more between them than met the eye. Reading his mom’s thoughts, John volunteered, “I know what you must be thinking, but I assure you Julie and I are just roommates.”

About a week later, Julie went to John saying, “Ever since your mother came to dinner, I’ve been unable to find the silver gravy ladle. You don’t suppose she took it, do you?”

John said, “Well, I doubt it, but I’ll email her just to be sure.”

So he sat down and wrote: “Dear Mom, I’m not saying that you ‘did’ take the gravy ladle from my house, I’m not saying that you ‘did not’ take the gravy ladle but the fact remains that one has been missing ever since you were here for dinner. Love, John.”

The next day, John received a response from his mother that read:

“Dear Son, I’m not saying that you ‘do’ sleep with Julie, and I’m not saying that you ‘do not’ sleep with Julie. But the fact remains that if she were sleeping in her own bed, she would have found the gravy ladle by now. Love, Mom.”

 

Service Charge

A teenager and his date were parked on a back road outside of town, doing what boys and girls do on back roads outside of town. Things were getting pretty serious when the girl stopped the boy and said “I really should have mentioned this earlier, but I’m actually a prostitute and I charge $20 for sex.”Taxi

The boy just looked at her for a few moments, but then reluctantly paid her the money and they did their thing. After getting dressed again, the boy sat quietly in the driver’s seat listening to the radio and looking out of the front window.

Why aren’t we going anywhere?” asked the girl.

“Well, I really should have mentioned this earlier, but I’m actually a taxi driver and the fare back to town is $25.”

 

First Time Sex

A teenage boy goes into a drug store to buy condoms. The pharmacist says the condoms come in packs of 3, 9 or 12 and asks which one he wants.
“Well,” he said, “I’ve been seeing this girl for a while and she’s really hot. I want the condoms because I think tonight’s “the” night. We’re having dinner with her parents, and then we’re going out. And I’ve got a feeling I’m gonna get lucky after that. I’ll take the 12 as its gonna be a hell of a long night.

The young man makes his purchase and leaves.
Later that evening, he sits down at dinner table with his girlfriend and her parents. The girl’s mom asks if he’d say grace & he agrees. He bows down to say prayer and remains in that position for about 5 minutes. The girl, impatient to his acting, leans over to him and says, “You never told me that you were such a religious person.”
The boy leans over to her and whispers, “You never told me that your father is a pharmacist.”

 

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Cartoon

 

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At the death bed

A woman‘s husband had been slipping in and out of a coma for several months, yet she had stayed by his bedside every single day. One day, when he came to, he motioned for her to come nearer. As she sat by him, he whispered, eyes full of tears, “You know what? You have been with me all through the bad times. When I got fired, you were there to support me. When my business failed, you were there. When I got shot, you were by my side. When we lost the house, you stayed right here. When my health started failing, you were still by my side. You know what?” “What dear?” she asked gently, smiling as her heart began to fill with warmth. “I think you’re bad luck.”

 

Acronyms

Two guys and a girl were sitting at a bar talking about their lives.
The one guy said, “I’m a YUPPIE. You know, Young Urban Professional.”
The second guy responded, “I’m a DINK. You know, Double Income No Kids.”
They then asked the woman, “What are you?”
She replied: “I’m a WIFE. You know, Wash, Iron, Fuck, Etc.”

 

A Woman’s Prayer

I pray for:
Wisdom, To understand a man.
Love, To forgive him and;
Patience, For his moods.
Because if I pray for Strength, I’ll just beat him to death.

Cartoon Couple


Unusual Funeral

A woman was leaving a convenience store with her morning coffee when she noticed a most unusual funeral procession approaching the nearby cemetery.
A long black hearse was followed by a second long black hearse about 50 feet behind the
first one. Behind the second hearse was a solitary woman walking a pit bull on a leash. Behind her, a short distance back, were about 200 women walking single file.
The woman was so curious that she respectfully approached the woman walking the dog and said, “I am so sorry for your loss, and I know now is a bad time to disturb you, but I have never seen a funeral like this. Whose funeral is it?”
“My husband’s.”
“What happened to him?”
The woman replied, “My dog attacked and killed him.”
She inquired further, “Well, who is in the second hearse?”
The woman answered, “My mother-in-law. She was trying to help my husband when the dog turned on her.”
A poignant and thoughtful moment of silence passed between the two women.
“Can I borrow the dog?”
“Get in line.”


Mirror image

One day, a man comes home from work and greets his wife. Upon seeing him, she asks for $20 to buy meat for dinner.
He leads her to a mirror, holds up the $20 bill and says to her:
“Honey, the $20 in the mirror is yours. The other belongs to me.” Satisfied with his “ingenious” remark, he sits back and the incident is forgotten.
The next day, he comes home and greets his wife. When he goes in the dining room, the table is laden with meats and delicious foods. Shaken, he asks his wife where she got the money. She leads him to the same mirror and lifts up her skirt.
“See that pussy in the mirror? That one belongs to you. The other belongs to the butcher.”


Ten Things Men know about Women

1.Boobies
2.
3.
4.
5.

6.
7.
8.
9.
10. They have boobs

 


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