WAHM WannaBe....(I Now Am, At Last!)

Before the whole world will officially say goodbye to 2010, let me post my financial goals for the next year. Hopefully 2011 will be much brighter and more prosperous for all of us. So, here goes -  invest in stock market with Bro. Bo Sanchez continue to do peso cost averaging to all my mutual funds investments (will also do this for stocks) get a life insurance or at least a medical insurance increase my emergency fund and continue to put it in TDs at FICCO increase my equity at FICCO open accounts at citiseconline for my kids educate my family about finances and how to save and invest for the future continue to be a blessing to others... Advance Happy New Year, Everyone!

The whole family and my GEMS Technologies team spent Christmas this year by giving gifts to less fortunate families back in our hometown in Initao, Misamis Oriental. These are families of "sikad" and tricycle drivers who don't have something to put on their table for the Noche Buena. We didn't give much - just rice, noodles, and canned goods - but we wanted to give love, hope, and inspiration to these families on Christmas in our own little way... That no matter how bleak the situation may be, no matter how down we are, no matter how hopeless things may look, there's Someone Up there looking after us.. Just go on living because life itself is a blessing. My brother John, sisters Edina and Neneng, and Kimboy preparing the gifts...   Nieces Lindsay Jane and Twinkle in action The recipients No, we're not rich, we're not wealthy - far from it. But we are BLESSED to be a BLESSING to others... Thanks to oDesk - we could not

This year I have invested my extra money to three more mutual funds and they are FAMI's Save and Learn Equity Fund, PEMI's PhilEquity Fund, and MFCP's ATRKimEng Equity Opportunity Fund. I chose equity funds because I'm investing for my babies' college education which won't happen until after twelve years the earliest. I have a Balanced Fund invested with Sunlife in 2005 and it is intended for my first-born son's college education. He's still in Grade 1 now and I believe that with mutual funds I can be ready financially when he goes to college 9 or 10 years down the road. I actually thought of transferring it to to equity fund for more growth over the years. Family and friends who knew of my investment inclinations ask me why invest in mutual funds to fund my kids' college education and why not get educational plans offered by pre-need companies instead. Well, I'm no financial expert but I can say that I am a self-made financial literate - thanks

If you are thinking of buying educational baby toys hoping to make your child develop to the full extent of his or her ability, you may have wondered whether these toys really have any effect. Can small babies actually learn anything from a toy, or are educational toys for babies just a waste of money? To find the answer we first have to understand how babies learn and what they are learning when they are very small. Unlike many animals, young humans are completely dependent on their parents for several years of their lives. In this time they have a lot to learn. They must find out how to act on the world in a way that will eventually mean that they can survive on their own. This involves using all of their five senses and their brain. When a baby is born, the brain is small and undeveloped. It doubles in size in the first year of life, growing from around 30% of its adult size at birth to 60% at the age of one year. This represents a massive increase in the baby's potential ab