Lesson 1:
A man is getting into the shower as his wife is finishing up her shower, when the doorbell rings.
The wife quickly wraps herself in a towel and runs downstairs. When she opens the door, there stands Bob, the next-door neighbor. Before she says a word, Bob says, 'I'll give you $800 to drop that towel.' After thinking for a moment, the woman drops her towel and stands naked in front of Bob, after a few seconds, Bob hands her $800 and leaves.
The woman wraps back up in the towel and goes back upstairs. When she gets to the bathroom, her husband asks, 'Who was that?' 'It was Bob the next door neighbor,' she replies. 'Great,' the husband says, 'did he say anything about the $800 he owes me?'
Moral of the story:
If you share critical information pertaining to credit and risk with your shareholders in time, you may be in a position to prevent avoidable exposure.
Monday, January 19, 2009
my son: a profound story.
Just a minute ago, i opened my e-mail and a friend of mine sent me an interesting message. A story. And I decided to copy paste to share it with you..
MY SON
This is great, take a moment to read it, it will make your day!
The ending will surprise you
Take my Son
A wealthy man and his son loved to collect rare works of art. They had everything in their collection, from Picasso to Raphael. They would often sit together and admire the great works of art.
When the Vietnam conflict broke out, the son went to war. He was very courageous and died in battle while rescuing another soldier. The father was notified and grieved deeply for his only son.
About a month later, just before Christmas, there was a knock at the door. A young man stood at the door with a large package in his hands.
He said, 'Sir, you don't know me, but I am the soldier for whom your son gave his life. He saved many lives that day, and he was carrying me to safety when a bullet struck him in the heart and he died instantly. He often talked about you, and your love for art.' The young man held out this package. 'I know this isn't much. I'm not really a great artist, but I think your son would have wanted you to have this.'
The father opened the package. It was a portrait of his son, painted by the young man. He stared in awe at the way the soldier had captured the personality of his son in the pa inting. The father was so drawn to the eyes that his own eyes welled up with tears. He thanked the young man and offered to pay him for the picture. 'Oh, no sir, I could never repay what your son did for me. It's a gift.'
The father hung the portrait over his mantle. Every time visitors came to his home he took them to see the portrait of his son before he showed them any of the other great works he had collected.
The man died a few months later. There was to be a great auction of his paintings Many influential people gathered, excited over seeing the great paintings and having an opportunity to purchase one for their collection.
On the platform sat the painting of20the son The auctioneer pounded his gavel. 'We will start the bidding with this picture of the son. Who will bid for this picture?'
There was silence.
Then a voice in the back of the room shouted, 'We want to see the famous paintings. Skip this one.'
But the auctioneer persisted. 'Will somebody bid for this painting. Who will start the bidding? $100, $200?'
Another voice angrily. 'We didn't come to see this painting. We came to see the Van Goghs, the Rembrandts. Get on with the real bids!'
But still the auctioneer continued. 'The son! The son! Who'll take the son?'
Finally, a voice came from the very back of the room. It was the longtime gardener of the man and his son. 'I'll give $10 for the painting.' Being a poor man, it was all he could afford.
'We have $10, who will bid $20?'
'Give it to him for $10. Let's see the masters.'
'$10 is the bid, won't someone bid $20?'
The crowd was becoming angry. They didn't want the picture of the son.
They wanted the more worthy investments for their collections.
The auctioneer pounded the gavel. 'Going once, twice, SOLD for $10!'
A man sitting on the second row shouted, 'Now let's get on with the collection!'
The auctioneer laid down his gavel. 'I'm sorry, the auction is over.'
'What about the paintings?'
'I am sorry. When I was called to conduct this auction, I was told of a secret stipulation in the will. I was not allowed to reveal that stipulation until this time. Only the painting of the son would be auctioned. Whoever bought that painting would inherit the entire estate, including the paintings.
The man who took the son gets everything!'
God gave His son 2,000 years ago to die on the cross. Much like the auctioneer, His message today is: 'The son, the son, who'll take the son?'
Because, you see, whoever takes the Son gets everything.
FOR GOD SO LOVED THE WORLD HE GAVE HIS ONLY BEGOTTEN SON, WHO SO EVER BELIEVETH, SHALL HAVE ETERNAL LIFE...THAT'S LOVE
Please send this to ten people and back to the one who sent it to you.
Do whatever you like, but remember that maybe 'one' of the people you might have taken the time to send this to, may be just the person who needs to hear this message. You have a choice to make.'
God Bless
MY SON
This is great, take a moment to read it, it will make your day!
The ending will surprise you
Take my Son
A wealthy man and his son loved to collect rare works of art. They had everything in their collection, from Picasso to Raphael. They would often sit together and admire the great works of art.
When the Vietnam conflict broke out, the son went to war. He was very courageous and died in battle while rescuing another soldier. The father was notified and grieved deeply for his only son.
About a month later, just before Christmas, there was a knock at the door. A young man stood at the door with a large package in his hands.
He said, 'Sir, you don't know me, but I am the soldier for whom your son gave his life. He saved many lives that day, and he was carrying me to safety when a bullet struck him in the heart and he died instantly. He often talked about you, and your love for art.' The young man held out this package. 'I know this isn't much. I'm not really a great artist, but I think your son would have wanted you to have this.'
The father opened the package. It was a portrait of his son, painted by the young man. He stared in awe at the way the soldier had captured the personality of his son in the pa inting. The father was so drawn to the eyes that his own eyes welled up with tears. He thanked the young man and offered to pay him for the picture. 'Oh, no sir, I could never repay what your son did for me. It's a gift.'
The father hung the portrait over his mantle. Every time visitors came to his home he took them to see the portrait of his son before he showed them any of the other great works he had collected.
The man died a few months later. There was to be a great auction of his paintings Many influential people gathered, excited over seeing the great paintings and having an opportunity to purchase one for their collection.
On the platform sat the painting of20the son The auctioneer pounded his gavel. 'We will start the bidding with this picture of the son. Who will bid for this picture?'
There was silence.
Then a voice in the back of the room shouted, 'We want to see the famous paintings. Skip this one.'
But the auctioneer persisted. 'Will somebody bid for this painting. Who will start the bidding? $100, $200?'
Another voice angrily. 'We didn't come to see this painting. We came to see the Van Goghs, the Rembrandts. Get on with the real bids!'
But still the auctioneer continued. 'The son! The son! Who'll take the son?'
Finally, a voice came from the very back of the room. It was the longtime gardener of the man and his son. 'I'll give $10 for the painting.' Being a poor man, it was all he could afford.
'We have $10, who will bid $20?'
'Give it to him for $10. Let's see the masters.'
'$10 is the bid, won't someone bid $20?'
The crowd was becoming angry. They didn't want the picture of the son.
They wanted the more worthy investments for their collections.
The auctioneer pounded the gavel. 'Going once, twice, SOLD for $10!'
A man sitting on the second row shouted, 'Now let's get on with the collection!'
The auctioneer laid down his gavel. 'I'm sorry, the auction is over.'
'What about the paintings?'
'I am sorry. When I was called to conduct this auction, I was told of a secret stipulation in the will. I was not allowed to reveal that stipulation until this time. Only the painting of the son would be auctioned. Whoever bought that painting would inherit the entire estate, including the paintings.
The man who took the son gets everything!'
God gave His son 2,000 years ago to die on the cross. Much like the auctioneer, His message today is: 'The son, the son, who'll take the son?'
Because, you see, whoever takes the Son gets everything.
FOR GOD SO LOVED THE WORLD HE GAVE HIS ONLY BEGOTTEN SON, WHO SO EVER BELIEVETH, SHALL HAVE ETERNAL LIFE...THAT'S LOVE
Please send this to ten people and back to the one who sent it to you.
Do whatever you like, but remember that maybe 'one' of the people you might have taken the time to send this to, may be just the person who needs to hear this message. You have a choice to make.'
God Bless
Sunday, January 18, 2009
So when can one start going steady?
Human acts are for their end: to act rationally, one must have an end in mind, and orient his action according to that end. Now what is the end of courtship?
Marriage is the end of courtship, just as final purchase is the end of shopping (even when one is just window-shopping at the moment, he is normally looking forward to buying in the near future). Thus, when to go steady is a function of the decision ” approximate as it may be initially ” of when to get married.
As previously mentioned, most girls do not want to get married earlier than twenty-five; some even much later. Hence, the healthy age for girls to start going steady can be roughly computed:
25 years old (ideal age for marriage)“ 2 years (of courtship) = 23 years old at least
Nevertheless, girls can really be quite flexible in their target marriage age: as soon as they have the right fellow, they really can get married.
But not so with men, normally. Contemporary society imposes a minimum age for man to get married well ” i.e., the age when he is professionally stable and financially solid. He is expected to be able to set-up house immediately after getting married รข€” at least to be able to rent a flat. Otherwise he will be forced to bring his bride to his parents home or move in to his in-laws home. As Christ solemnly said, quoting Genesis: For this cause a man shall leave his father and mother, and cleave to his wife. (Mt. 19:5).
In our society, this age is about 28-30 years. It takes that much time for a fellow to graduate from college (21 years old), find a suitable job after trying several (25 years old), stabilize himself in that job and get a few promotions (28-30 years old). Nowadays a joint family monthly income of P30,000 would barely enable a couple to rent a humble apartment in the metropolis, or buy a low-cost house on installment somewhere in Calabarzon. Thus, the minimum age for a man to get into a serious relationship with a woman can also be computed:
28 years old (practical age for marriage) “ 2 years (of courtship) = 25 years old at least
Of course there are exceptions e.g., if either the fellow or the girl is a millionaire to start with (from inheritance or otherwise).
Marriage is the end of courtship, just as final purchase is the end of shopping (even when one is just window-shopping at the moment, he is normally looking forward to buying in the near future). Thus, when to go steady is a function of the decision ” approximate as it may be initially ” of when to get married.
As previously mentioned, most girls do not want to get married earlier than twenty-five; some even much later. Hence, the healthy age for girls to start going steady can be roughly computed:
25 years old (ideal age for marriage)“ 2 years (of courtship) = 23 years old at least
Nevertheless, girls can really be quite flexible in their target marriage age: as soon as they have the right fellow, they really can get married.
But not so with men, normally. Contemporary society imposes a minimum age for man to get married well ” i.e., the age when he is professionally stable and financially solid. He is expected to be able to set-up house immediately after getting married รข€” at least to be able to rent a flat. Otherwise he will be forced to bring his bride to his parents home or move in to his in-laws home. As Christ solemnly said, quoting Genesis: For this cause a man shall leave his father and mother, and cleave to his wife. (Mt. 19:5).
In our society, this age is about 28-30 years. It takes that much time for a fellow to graduate from college (21 years old), find a suitable job after trying several (25 years old), stabilize himself in that job and get a few promotions (28-30 years old). Nowadays a joint family monthly income of P30,000 would barely enable a couple to rent a humble apartment in the metropolis, or buy a low-cost house on installment somewhere in Calabarzon. Thus, the minimum age for a man to get into a serious relationship with a woman can also be computed:
28 years old (practical age for marriage) “ 2 years (of courtship) = 25 years old at least
Of course there are exceptions e.g., if either the fellow or the girl is a millionaire to start with (from inheritance or otherwise).
Thursday, January 15, 2009
Why long courtships are unhealthy?
What is wrong with starting the courtship in college or in high school and just prolonging it all the way to marriage at a much later date? The answer has to do with physiology and psychology, specifically male physiology.
Most girls are not very aware of this, but any red-blooded human male will immediately empathize with what I am going to say: Man is a very sexy (albeit rational) animal.
Girls and women are perfectly equipped by the Creator to be loving and caring also with the opposite sex without getting sexual. This is part of their femininity, which is relevant to their role in society (especially connected with child-rearing and caring for the family). Hence nurses have traditionally been women.
Thus in a boy-girl relationship, the girl can be affectionate in many ways: words, looks, affectionate touches, gestures, attention to details without getting sexually stimulated.
But not a boy. A fellow's threshold level for sexual arousal is pretty low, so that for most teen-aged boys, a physical display of affection is almost concomitant with sexual stimulation. It is a matter of physiology and psychology. Thus, a boy is not designed to spend many years with the object of his affection to his girlfriend beside him, day in and day out, without getting on with it. Either that or he is subjected to a terrible strain to control his sexual drive.
Thus, a steady relationship at college (worse in high school) can be proximate occasion for going too far, at least where the guy is concerned. But since a steady relationship always includes a girl (hopefully!), then the principle applies to both. The moral principle is that to deliberately open oneself to a proximate occasion of doing something wrong, one needs a proportionate reason as i.e., proportionate to the gravity of the wrong that one is exposing himself to.
Most girls are not very aware of this, but any red-blooded human male will immediately empathize with what I am going to say: Man is a very sexy (albeit rational) animal.
Girls and women are perfectly equipped by the Creator to be loving and caring also with the opposite sex without getting sexual. This is part of their femininity, which is relevant to their role in society (especially connected with child-rearing and caring for the family). Hence nurses have traditionally been women.
Thus in a boy-girl relationship, the girl can be affectionate in many ways: words, looks, affectionate touches, gestures, attention to details without getting sexually stimulated.
But not a boy. A fellow's threshold level for sexual arousal is pretty low, so that for most teen-aged boys, a physical display of affection is almost concomitant with sexual stimulation. It is a matter of physiology and psychology. Thus, a boy is not designed to spend many years with the object of his affection to his girlfriend beside him, day in and day out, without getting on with it. Either that or he is subjected to a terrible strain to control his sexual drive.
Thus, a steady relationship at college (worse in high school) can be proximate occasion for going too far, at least where the guy is concerned. But since a steady relationship always includes a girl (hopefully!), then the principle applies to both. The moral principle is that to deliberately open oneself to a proximate occasion of doing something wrong, one needs a proportionate reason as i.e., proportionate to the gravity of the wrong that one is exposing himself to.
Serious Virus Coming!
Checked with Norton Anti-Virus, and they are gearing up for this virus!
Snopes checked (URL above:), and it is for real!!
Get this E-mail message sent around to your contacts ASAP.
PLEASE FORWARD THIS WARNING AMONG FRIENDS, FAMILY AND CONTACTS!
You should be alert during the next few days. Do not open any message
with an attachment entitled 'POSTCARD FROM HALLMARK,' regardless of
who sent it to you. It is a virus which opens A POSTCARD IMAGE, which 'burns' the
whole hard disc C of your computer. This virus will be received from someone
who has your e-mail address in his/her contact list. This is the reason
why you need to send this e-mail to all your contacts It is better
to receive this message 25 times than to receive the virus and open it.
If you receive a mail called' POSTCARD,' even though sent to you by a
friend, do not open it! Shut down your computer immediately.
This is the worst virus announced by CNN. It has been classified by
Microsoft as the most destructive virus ever. This virus was
discovered by McAfee yesterday, and there is no repair yet for this kind of virus.
This virus simply destroys the Zero Sector of the Hard Disc, where the vital
information is kept.
Snopes checked (URL above:), and it is for real!!
Get this E-mail message sent around to your contacts ASAP.
PLEASE FORWARD THIS WARNING AMONG FRIENDS, FAMILY AND CONTACTS!
You should be alert during the next few days. Do not open any message
with an attachment entitled 'POSTCARD FROM HALLMARK,' regardless of
who sent it to you. It is a virus which opens A POSTCARD IMAGE, which 'burns' the
whole hard disc C of your computer. This virus will be received from someone
who has your e-mail address in his/her contact list. This is the reason
why you need to send this e-mail to all your contacts It is better
to receive this message 25 times than to receive the virus and open it.
If you receive a mail called' POSTCARD,' even though sent to you by a
friend, do not open it! Shut down your computer immediately.
This is the worst virus announced by CNN. It has been classified by
Microsoft as the most destructive virus ever. This virus was
discovered by McAfee yesterday, and there is no repair yet for this kind of virus.
This virus simply destroys the Zero Sector of the Hard Disc, where the vital
information is kept.
Wednesday, January 14, 2009
searching for the answer
In life, We always search for answers because we want to prove to ourselves that we had made the right decisions. But the truth is, we cannot search for what is not there. Things happen. That is why, we forgive people even if they hurt us, we love people who do not love us, and we smile after every painful breaks of our hearts. At the end of the day, the lessons you will get, are the answers you are searching for.
Ice Queen :)
Ice Queen :)
Tuesday, January 13, 2009
How long should the courtship be?
When I ask young ladies this question, they invariably answer "a long time". I always have to stifle a chuckle, since quite often the young lady in question would be in her late teens and "engaged", and of course most girls nowadays are not really contemplating marriage before their 25th birthday. This is quite logical, since most girls " at least in the urban setting " go to college, and would therefore want to experience a bit of their professional career before they settle down to the more serious business of raising up a family.
Hence, the young lady is not answering my question, but is rather thinking of how long it will take her to be old enough to get married. If she is only nineteen, and she wants to enjoy her professional career until she is twenty-five, it stands to reason that she and her boyfriend will have to wait at least six years before they can marry.
Rephrasing the question normally unravels the fuzzy logic. If you were twenty-six I ask and you start going steady with a twenty-eight year-old fellow who is professionally stable and well off, how much time do you think will you need to make up your mind about each other? She normally answers: A year.
This is the crux of the matter. A couple going steady are calling each other up daily on the phone, probably going to and coming home from office together, spending the whole weekend together, meeting each other's family it is a super-exposure to each other. If they cannot decide in a year or two whether they are meant for each other or not, there is something wrong with their thinking process.
Hence, the young lady is not answering my question, but is rather thinking of how long it will take her to be old enough to get married. If she is only nineteen, and she wants to enjoy her professional career until she is twenty-five, it stands to reason that she and her boyfriend will have to wait at least six years before they can marry.
Rephrasing the question normally unravels the fuzzy logic. If you were twenty-six I ask and you start going steady with a twenty-eight year-old fellow who is professionally stable and well off, how much time do you think will you need to make up your mind about each other? She normally answers: A year.
This is the crux of the matter. A couple going steady are calling each other up daily on the phone, probably going to and coming home from office together, spending the whole weekend together, meeting each other's family it is a super-exposure to each other. If they cannot decide in a year or two whether they are meant for each other or not, there is something wrong with their thinking process.
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