Wednesday, December 29, 2010

Sore Eyes Medicine

A very effective sore eyes medicine.

Yet expensive too

Saturday, December 25, 2010

Chicago’s Shadow Inventory Estimates - one of the Highest!

Shadow inventory is made public slightly utterly completely different counting on who you speak over with or what you are reading. But just place this may be generally the number of properties that are a minimum of sixty days delinquent and aren’t for sale. This information includes properties that have already disclose foreclosure and are bank owned or reo owned.

Unfortunately, Shadow inventory is inevitably growing and affecting the markets already hit onerous by high levels of distressed mortgages, like Chicago, that has an excess offer of inventory already. In line with short sale skilled an info analysis company owned by initial yank, Chicago has an estimated shadow months offer of eighty 1309 homes.

At the current sales rate in Chicago, there are approximately 2 thousands sales per month. At this pace the shadow inventory may mirror up to 4-5 years of potential inventory.

Saturday, December 18, 2010

Short Sale Quick Review

I recently asked our one in every of our agents Roger Lauren who is additionally an appraiser "How do Short Sales impact the market worth of a home, and does one use them as comps?"

I believed her answer was fascinating. She replied that during this current market, short sales and REO's alike are determining a home's market worth. Furthermore she says that if short sales negotiator are the sole comparable which will be used, then they are doing verify the value; and most lenders need appraisers to use short sales if they're doing an appraisal for a short sale. She states that "Appraisers have to be compelled to use the comparable that the majority resemble the topic property, whether or not it is a short sale or not. generally that is all there is!"

Ginger went on to mention that she has seen lots of REO and Short Sale expert deals get blown as a result of the agent doesn't skills to cost the property. If the house is worth to low then the bank needs to renegotiate the sales price and then the client typically walks. so obtaining a property appraised within the starting of a transaction could be a great way to work out what the property's worth is. as a result of the banks are taking ciao to administer approvals, the property worth will decline by the time the buyer's appraiser gets out to the property to try and do the appraisal. Her advice: spending to a small degree extra cash upfront will save a deal within the finish.

Saturday, November 27, 2010

Luistro Strongly Reiterates No Collection Policy in DepED’s Schools

Education Secretary Br. Armin Luistro FSC has reiterated its decision to any or all public education officers to refrain from collecting any fees from students to encourage additional oldsters to send their kids to high school and complete basic education.

Luistro strongly inform all public schools to abide by the “no collection” policy as a result of this is often enshrined within the Constitution and DepEd is duty-bound to create certain that school-aged kids are in class.

“Our goal here is to reduce the troubles of oldsters concerning education fees that are one amongst the explanations why several kids are out of education or have dropped-out within the middle of schooling,” Luistro observed.

“If educations are collecting fees, we'll be discouraging enrollment particularly among the terribly poor. This is often additionally why we've got taken serious action against educations officers violating this policy,” said Luistro.

In reiterating the department’s attractiveness, Luistro said that no fees shall be collected from education kids enrolling in pre-school up to Grade four at any time throughout the varsity year.

Further, DepEd informs the general public that beyond Grade four, there ought to be no assortment throughout enrolment amount and therefore the initial month of categories. Contributions, on a purely voluntary basis, might begin on the second month of each education year. This covers contributions for Boy Scout of the Philippines, lady Scouts of the Philippines, Red Cross, Anti-Tuberculosis Fund and Parents-Teachers Association.

Wednesday, November 10, 2010

Community organizing: Catalyzing sustainability from the ground up

Community organizing: Catalyzing sustainability from the ground up

Many colleagues I know and respect would argue that working on the community level is really the only way to catalyze sustained social change. Again and again, I have seen this to be true. One of my local heroes here on Whidbey Island, north of Seattle, is a master gardener. She has put enormous creative energy into developing a thriving organic garden for the community food bank. This means the ever growing number of families now living on food stamps get to enjoy fresh, healthy vegetables in addition to other staples. She also raises money to allow youth in juvenile detention to work in the garden, giving those teens an experience that for some changes the trajectory of their lives. Then there are other local heroes described poignantly in Steve Lerner's new book, "Sacrifice Zones: The Front Lines of Toxic Chemical Exposure in the United States" -- many who didn't intend to become community or environmental activists, but simply couldn't stand by and watch their families and neighbors succumb to various illnesses linked to exposures from nearby industrial sources. (Please join us for our CHE Cafe call on Monday, November 15 featuring Steve Lerner).

Of course, a number of local heroes have become nationally and internationally recognized, such as Lois Gibbs who, in the 1970s, helped launch myriad environmental health and justice efforts when she stood up to a chemical company dumping toxic waste in the Love Canal neighborhood of Niagara Falls, NY. Wilma Subra, a chemist who works with local communities in Louisiana to provide citizens with the evidence-based science they need to oppose polluting industries, is another remarkable example. (Listen to the CHE Science Cafe call held in August 2010 featuring Wilma Subra).

Yet we know that given the global nature of our trade and communication networks, we also need academics in an array of fields, health professionals, policy wonks, writers, artists and many others who work at different levels-local, state, national and international-to press for systemic change for a healthier future. One clear example of that was reflected on the CHE partner call on November 9 regarding fracking, a relatively new drilling technique that fractures rock with high-pressure fluid is opening up vast shale-natural gas deposits with many unknown long-term consequences for human health and the environment (see Fracking: Implications for Human and Environmental Health). The presenters discussed not only the science, but the importance for federal agencies to provide stronger oversight, the need for companies to be fully transparent and implement best practices, the actions some local communities are already taking, and the emerging networks between different municipalities to determine what steps they can take next.

In short, all of us need to figure out where we can be most effective in leveraging social change based on our particular talents and proclivities. I think of someone like Donella Meadows, whom a number of us called "an academic earth mother" because she worked internationally on sustainable indicators, taught college students about computational environmental science, wrote for the local newspaper on community concerns, raised organic vegetables, and spun wool from her own sheep.

Very few of us have the capacity to work at all those levels, certainly not all at once, because of familial demands at different times in our lives, socioeconomic circumstances and many other factors. But most important is to act where you feel most motivated and energized--whether in your own neighborhood or in the halls of the U.N. If we could all find the leverage points that allow our unique and often complementary gifts to blossom in support of the commons, then we will become the heroes, not necessarily recognized or acknowledged beyond our neighbors, but heroes nonetheless, who generations to come will thank for our vision, persistence, compassion and unwavering commitment to a healthy, sustainable future.

Tuesday, November 2, 2010

All Souls Day Decoration Idea

Sunday, July 18, 2010

Spanish Time Hero

Gat Uban is a local Filipino fighter during Spanish time
He depended the town against Moro raider

Alitap Falls

The Alitap Falls could be one of the best tourist spot in Quezon Province if ever the local government development it. This natural wonder is co equal with the Kawasan Falls of Cebu Province which is famous in tourist.

Alitap Falls


Saturday, May 29, 2010

Cat Against Snake

Which one do you think will be the winner in this contest? Cat vs Snake challenge

Snake VS Baby can you believe this?

Old Man VS Dog

Sunday, May 2, 2010

Central Quezon Academy - 1992

Lucky enough that one of my classmate in Central Quezon Academy for the batch 1992 put this picture in her facebook. I got the chance to see my picture more than 15 years ago. Happy to see this historical picture

I could no longer remember the names of my classmate.

Young Maubanin now living in other places. I think none of them remained in Mauban.

I am not sure if this photo was taken during our  2nd year or 4th year HS. What I am sure about  the guy standing there is Joel Palacio

Friday, April 30, 2010

Mauban Seawall

Mauban Seawall is getting better and I hope the economy too.

Sunday, April 18, 2010

Maubanin in Blood Compact Shrine

The blood compact shrine is the place where the first Boholano made an a friendship agreement with the European. That is why Bohol enjoys 45 years of independent before it finally became under the priars.

Friday, April 9, 2010


Kalamay is favorite food being prepare during Christmas or New Year Season. In Mauban Kalamay is pack with dahon ng sagin and place in any kind of box while in Bohol, Kalamay is placed inside coconut shell and being sold at P35 each or 3 for P100.

So which kalamay do you think is more delicious, Kalamay Bohol or Kalamay Mauban. Well since i tasted both flavor and I declared that Kalamay Mauban is better.

Walang regionalism yan ha talagan opinon based on lasa.

Maubanin sa Loboc River - Bohol

Maubanin Tour in Bohol and experience riding floating restaurant at Lobo River in Bohol.

Monday, April 5, 2010

Maubanin in Panglao Bohol

Thursday, March 25, 2010

Violation of Labor Law

This is the first time I saw him helping his mother in family chores

Hoping 3rd Honor from Sci Tech

This little girl of mine is now grade 1 and hoping to get the 3rd honor in Minglanilla Sci Tech.

She is very intelligent, diligent and demanding.

Family Meeting

This is the EscobaƱas family.

From left: Who1, Who2, Ate Oly, Concon, Tita Lilian, Tita Oma, Her Son, Kya Bokyo.

From right, Kya Michael, Tito Maca and Papa Ped are additional.

Actually have not seen them for the past 4 years i think.

Tuesday, March 16, 2010


Guess why this boy is crying?


a. He want the cellphone
b. He want milk
c. He want to play computer
d. He want to watch cartoon movie

Friday, March 12, 2010


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Mar 9, 2010 | The Official Noynoy Newsletter

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Issue Highlights

  • announcements

  • people's campaign

  • on Noynoy Aquino

  • Headlines

    —candidates illegally pay rebels

    —Aquino regains lead

    —corruption is top issue

    —Aquino-Roxas vow transparency, media rights

    —Villar biggest spender

    —bribery attempts

  • Issues

    —poverty and social justice

    —black propaganda

  • LP senate slate

  • I offer my vote

  • Hindi natin isusuko Share

        This was the dream:

    We, the sovereign Filipino people, imploring the aid of Almighty God, in order to build a just and humane society and establish a Government that shall embody our ideals and aspirations, promote the common good, conserve and develop our patrimony, and secure to ourselves and our posterity the blessings of independence and democracy under the rule of law and a regime of truth, justice, freedom, love, equality, and peace…

        But the reality is this: Our institutions have broken down any political will aside from the will of an illegitimate president. The constitution is but a piece of paper to officials who have sworn to protect it, and it is used to create laws that serve selfish interests.

    There is war stirring in our precious south, a war used by the people in power and their cohorts for their own gains.

    Our lawmakers are our lawbreakers, and they will be allowed to run for the leadership of our country, and will be allowed to hide from sword of Justice, or at the very least an accounting of misdeeds. And knowing the history of elections in this country, these people may actually “win” and become our leaders.

    But suddenly, the gift of light. We are given the chance to take the first steps in correcting the gaping sore that has eroded the promise of our country.

    We will once again live in a country where the laws work not only for the rich and powerful, but for every one of us. Where the constitution is upheld, where our voices as a nation will be heard, where our rights as people will be respected, where we are the masters of our own fates.

    We must get this message across to every corner of our beloved country:Korapsyon ang ugat ng ating kahirapan. KUNG WALANG CORRUPT, WALANG MAHIRAP.

    Nasa kamay natin ang kinabukasan. Hindi natin ibebenta, hindi natin isusuko.

    I hope you find the information in this newsletter a good start-off point in your campaign for change. Please take a moment and share this with your friends; every vote counts. I also urge you to join the chain of offering votes for others.


    ~ Nina Sanchez,


    Sunday, March 7, 2010

    Trio Babies

    If there are 2 babies at the same time then we call it twin. What do we call if they are 3 at the same time? Trio? What do we call if the yaya is trio too?

    This is the first time to see trio babies and trio yaya too. It will be very expensive if this thing happen to you ladies

    Wednesday, February 17, 2010

    How to visit Mauban Quezon

    A Route to Mauban Quezon

    You can see from the map if you came from Manila City proper that you need to pass Laguna and Batangas before you reach Quezon Province. There are major route going to Mauban. The first is through Sta. Cruz Laguna and 2nd through San Pablo City. The way to Mauban using San Pablo is too long because it travel besides the Mt Banahaw and of course the traffics from each town you will just pass by.

    Fortunately the road from Lucena to Mauban are now concrete after 35 years of waiting. My recommendation is to use the Sta Cruz trip to Mauban because it less traffic, less pollution and its more colder since the place are still have many trees specially when your reach Pagsangjan, Cavinti, Lousina, Lucban and Sampaloc.

    Courtesy of inbound call center in the Philippines

    Friday, February 12, 2010

    When the babies became Children

    Wednesday, February 3, 2010

    Sinulog Festival Queen

    Sinulog Festival Queen 2010 Video

    Saturday, January 23, 2010

    Dancing Inmates