The Supreme Court's Prayer

Yeah. I like to repeat this on days big decisions are slated to be delivered. I guess today technically wasn't one of those days, but who cares? ;)

Top 5 Bad Financial Habits to Break

... Do you or someone you know have any bad financial habits? I do …
  

Most of us have one … or two … or several bad financial habits. From experience, my bad financial habits resulted in some very expensive mistakes. It’s ok! As long as bad financial habits are broken or at least controlled, they will have minimal effect on your financial success. The first step is identifying your bad financial habits.
  
Here are the top 5 bad financial habits to avoid that keep people from getting a positive grip on their finances.
 
Impulse shopping.  Impulse shopping happens unexpectedly sometimes. Think of shopping like alcohol. It should be done “responsibly” and can become addictive, if not careful. Make shopping a planned activity with a list or a budgeted amount.  Unplanned or impulse shopping may sabotage your spending plan / budget.  Also for large ticket items, give yourself 24 to 48 hours to shop for a better deal or to figure out if you really want it and can afford it. You’ll be glad you waited.
   
Retail therapy.  Retail therapy may help you to feel good for a moment but they buyer’s remorse is painful. When you are emotionally down, distraught or highly emotional, avoid shopping or making any large purchases.  The more emotional we are, the less financially objective we become.  Do something that doesn’t cost anything or very little, like go for a walk, spend time with family or friends, etc. Your bank account will thank you when you start to feel better.
  
Overdraft protection.  Overdraft or “Courtesy Pay” is so convenient! However, overdraft protection (a financial oxymoron in my opinion) is relatively designed to allow you to overspend. It allows or approved checks or charges to go through even when you do not have enough in your account for a Fee.  A fee of $27 up to $35 is charged to your account for every overdraft, even if the amount runs $1 or $5 over the amount you have in your account. Generally it is like a very short-term line of credit with a ridiculously high effective interest rate. Now was that cup of coffee really worth $40? Besides, we spend more when we use debit cards. Use cash instead.
  
Savings tampering.  Savings is money set aside for a specific purpose like emergency, down payment of a house or car, school, etc. Avoid using savings for something that is outside of its purpose. The best way to do this is to establish a savings account that is not easily accessible with a certain amount directly deposited every pay period. Savings accounts are supposed to grow, not be chiseled away. 
  
Financial promiscuity. Financial Promiscuity is when multiple credit cards are used for small purchases when cash should be used.  Avoid using credit to purchase that "value meal" or anything less than $50.  This will ensure that Financial STDs (Substantially Tremendous Debt) will not be slowly acquired.
  
By acknowledging our bad financial habits, we can focus on stopping and changing them. Some bad financial habits may be more challenging to quit than others, but it can be done.  Contact a financial coach to help with ideas and techniques of replacing bad financial habits with good financial habits to help you reach your financial goals faster.


Financially True, 
  

Tarra Jackson ... Making Money Sexy

Luigi's Lawyer

DE IACO LUIGI ELETTRONICA

Re: Legal Representative

Below is the debtor information who has not settle their debt, the size of the debt is $650,000.00USD. We have explored all avenues to resolve this issue amicably, unfortunately we have not progressed as expected, we shall forward you the documentation if you have no conflict.

Debtor Information

(Local Business Placed Here)      

Please forward us engagement letter if you have no conflict and advise us on your retainer fees. Looking forward hearing from you.

Yours Sincerely,

Mr. Pablo Franco

De Iaco Luigi Elettronica

Via Mazzini Giuseppe 45- 73024 - Maglie (LE)

Tel: 0836 423038

Fax: 0836 426150

E-mail;deiacoeletronica@gmail.com

http://www.deiacoelettronica.com/ 

P.IVA 01122820754

Daisy

Haunted houses are made when they have a dark past in which the ghost still haunts. Those ghosts might seek for revenge to his/her captor, and they might be jealous to the living.

I found a story in a book about a 1950s house in Cavite wherein a ghost of a young lady still haunts and scares his neighbors through her sad moaning.

[Taken from The Sound of Fear by Gabby Libarios]

.... Built during the 1950s, it was a baronial house belonging to the landed gentry of Cavite. Bathe in opulence and grandeur, the house was not only meant for residence. It was also a place for grand celebrations, where the cultured, the educated, and the toast of the town converged to partake of joyous merrymaking that lasted until the wee hours. Some townsfolk would suggest that the festivities held there were always of grand scale. Music spilled into the streets, wine flowed like water, and all the lights switched on, making the house look ablaze from afar. However boisterous and pompous the celebration were, people in the surrounding area regarded the house as their temporary escape, which offered them an experience - albeit vicariously - what it was like the charmed life. But as always, there was another side of the story, especially if no one alive could attest to the house's history, which, over the years, has become a mix of truth and untruth passed around by word of mouth. Some people would say that it was the hiding place of powerful drug lord. Other would suggest that it was a hotbed of vice, where the high rollers and card sharks gamble their riches, sometimes life and limb, all in the name of money. Just the same, the houses had nothing but notoriety. But among the lies and fabricated tales, there was always one story that kept the house's history interesting, horrifying, and sad all at the same time. It was the story of the Santos family. Despite their wealth, which came from the father's successful mining company, the sons and daughters were taught to lead a simple, low key life. Every morning, the father would read the paper and drink his coffee on the veranda. The mother, who always wore melancholic smile, would tend their garden, quietly pruning the plants and pulling out the weed sprouts, while the kids, except the eldest who was always in her room, would run around the garden. Named after a flower, Daisy had always been quiet and reserved. She would spend most of her time inside her room, carefully thumbing through her dog-eared books by classic authors. Oftentimes, she would just sit in front of her dresser and comb he long black hair for hours. If the weather permitted, she would linger on her balcony and relish the crisp, fresh air summer. Their neighbors would say that sometimes they would hear Daisy singing from the balcony. Her voice is so lovely, they would say. On days when Daisy would accompany her mother to church, people would always notice her. Some say Daisy was the most beautiful girl in town. In fact, her mother's friends never failed to compliment her, however inadequately or too informally clothed she was. Boys, on the other hand, simply gawked at her presence. Little did Daisy know that her beauty, which held so much power, would soon be her curse. Barely a month after her 18th birthday, Daisy was brutally raped and murdered. The crime happened when the rest of the family was out for an afternoon mass. Her lifeless body was found in the backyard. Her clothes were ripped, blood dripping between her legs. Investigations said she was in her room when her attacker barged in. Bruises on her stomach and legs suggested she was beaten first. Loose black hair found on the floorboards near her bedroom indicated that the rapist dragged Daisy by the hair out of her room before committing the heinous crime. Despite the thorough investigation, the culprit was never found. Some say it was Daisy's spurned lover. Others say it was their house help who always harbored feelings for Daisy. The family eventually moved out and never returned. Although there were the occasional visits from real estate agents, no one had ever taken interest in the house since then. Though it was relegated to a mere urban legend, Daisy's death still echoes in that little town in Cavite. Legend has it that every night, the sound of a weeping young girl can be heard from the house. ....

Source(s):
True Philippine Ghost Story Book 15

Note(s): The picture depicted above is not the actual picture.

Mt. Apo's Venado Lake

Mount Apo is the highiest mountain in the Philippines, with an altitude of 2,954 metres (9,692 ft). It is located between Davao City and Davao del Sur province in Region XI and Cotabato province in Region XII. The name Apo means ancestor.

There is a lake at the foot of the said mountain which they called the Lake Venado. The name came from a Spanish word Venado which means deer. Locals call it linaw (clear) because of its crystal-clear water that reflects the mountain. Many people would say that the lake is enchanted, that an engkanto (fairy) or some kind of entity was living there.

This simple small lake not only gives a breath-taking picture scene to mountain climbers but was also believed to take lives of these innocent hikers. Well, it is true that almost every year people die there for some reason. The lake is the favorite camping site by people who come there. Some of them dare to take a deep on it.

In April, 2007, a group of mountain climbers set-up there camp beside the lake. One of them died after swimming in the lake. Many minutes later, his companions don't know where the climber go. Their leader didn't thought of him going to swim on the placid and inviting lake. The local government of Davao City strictly prohibited campers and/or mountain climbers to swim on it. Minutes later they heard someone calling for help. They ran straightly to the lake and found the hiker was drowning. They attempted to rescue him but they failed. The hiker was no where to be found, he drowned deep the lake.

Because of his vanishment, urban legends rose. Local tribesmen warned tourists about the said fairy living in the lake.

His co-climbers reported him to the authorities. However, he was not found for many days. For his long disappearance, rescuers speculated that he was already dead. Days later, he was finally found, dead.

Aside of the reported incident, there were other people who were reported missing in the Lake Venado. Some of them still missing until now.

Experts thought of possible reasons of death. It can be caused by physical accident or natural disaster, but for locals, its not the reason why. They are blaming the entity living there. No one can say it's not true because there's no proof to question its validity.

A local leader suggested that tourists or hikers should undergo first for a prayer ceremony in respect to the engkanto living there. The ceremony is called Pamaas. Elder indigenous people perform the ritual to placate the mountain God Apo Sandawa, before they start climbing. The tribe leader of Sitio Sayaban was convinced that the many spirits living on the mountain were disturbed from their peace and demanded a sacrifice to remind the local population and visitors that they do exist.

Welcome to the real world, Friends style.

I've been reading a lot of stressed out bar studiers' statuses on Twitter/Facebook/etc and they all seem to be in the throes of bemoaning their lack of ability to find a job when they inevitably fail the bar exam.

PSA: passing the bar exam does not automatically grant you a golden ticket to Employment Avenue. 

(I know Joey...I'm shocked too!)

What it does is gives you the opportunity to seek legal jobs. And, if you're anything like me, the capability to receive HUNDREDS of rejections from aforementioned jobs.

I love you, Chandler. 

Now, I'm not trying to be a Debbie Downer (okay, maybe I am), but that also means that this is good news: you can fail the bar and still be in the same boat as someone who PASSES it.

See? I'm a glass half full kinda girl. 

So study hard. And remember: even if you pass, you can fail. At LIFE. (Like me.)

And by love, I mean hate. 

Seina's Lawyer

Ms Seina Bloomberg

RE: Contempt Case.....‏

I appreciate your response to my inquiry The reason I have contacted your law office is that there is already an agreement in place and I am bent on getting what is due for me and my children, I tried calling but its little bit difficult to reach your law office, I will try as much as possible to let you into what transpired between I and my ex-spouse before he relocated to United States. We were divorced in Japan and my ex husband Mr. Lyold Bloomberg now lives in __________ he is a citizen in your country

We both agreed under a separation agreement incorporated, merged into and made part of the court decree for a settlement of child support, spousal support, and medical support of $480,870.00, he has paid me $178,000.00 but still owing $302,870.00 and the stipulated time for completion of payment has long elapsed and i know he has the financial means to pay the balance owed to me.

I request your legal services with regards to compelling him to remit balance owed me. Attached is a copy of the Separation Agreement and the Final Judgment. I will be pleased to provide further information on this case on request and I expect this to be resolved in a timely manner. Furthermore, I seek to retain your firm for this purpose.

Please send me a copy of your retainer agreement and if the terms are acceptable I will sign so we can commence the process without delay,

Thanks you for your cooperation .

Ms Seina.

Address: 936-Nishi-Azabu, Minato, Tokyo, Japan