ESTRELLA P. VELEZ

ESTRELLA P. VELEZ MUN. CIVIL REGISTRAR BAMBANG NUEVA VIZCAYA ☆ A Civil Engineer graduate at Saint Mary's University in the year 1986 & subsequently entered government service summing up to 25 years in counting. Her motivation is simply to serve the people especially the less fortunate sector in the community. Further her personal resolve to let nobody left behind unregistered. Some of her notable awards: - Best Dept Head of the year - Leadership Award - Best Performer of Region II

☆ MOTTO ☆ POVERTY IS NOT A HINDRANCE TO SUCCESS. - LET THE LORD BE THE CENTER OF YOUR LIFE. HUSBAND: JOSELITO VELEZ - DEPED - DIST. PROPERTY CUSTODIAN - DEED OK BAMBANG N.VIZ.

☆☆☆ MESSAGE☆☆☆ PEACE ON EARTH GOODWILL TO MANKIND!!!

HON. EMERALD D. MELAD

EMERALD D. MELAD BRGY. CAPTAIN (2X) BRGY SAN NICOLAS, BAYOMBONG N.VIZCAYA 

☆ MOTIVATION☆ TO CONTINUE SERVING MY CONSTITUENTS TO THE BEST OF MY KNOWLEDGE & SKILLS. ACCOMPLISHMENTS: THE CONSTRUCTION OF DRAINAGE, CANAL LINING & ACCESS PAVEMENT ROADS PER PUROK IN THE BARGY. - CLEARED DRUG-FREE VIA CERTIFICATION FROM PNP & PDEA - LAUNCHED MORAL & SPIRITUAL PROGRAM FOR DRUG SURRENDEREES. - BUY BUST DRUG OPERATIONS AMONG OTHERS - PLANS TO PUT UP A LIVELIHOOD PROGRAM VIA MICRO FINANCE SMALL BUSINESSES LIKE LENDING BUSINESS & OTHERS.

 ☆ INDENGENCY CERTIFICATES ARE GIVEN FREE OF CHARGE 

♡♡♡MESSAGE ♡♡♡ FROM THE OFFICE OF THE BRGY CAPTAIN HON EMERALD D. MELAD & HIS COUNCIL, WISHING EVERYONE A MERRY CHRISTMAS & PROSPEROUS, BLESSED NEW YEAR TO COME!!!

Early Christmas Shop For the Best Christmas Gifts

Do you promise yourself each and every year that you will get all your Christmas shopping done early so that you can have a relatively stress free holiday season, only to find yourself shopping for last minute Christmas presents a day or two before Christmas day and having no idea what to get or where to get it? Proper planning is important. I am sure that you can come up with at least ten minutes a day or week to think about your Christmas list. The only way to have a stress free holiday season is to early Christmas shop for the best Christmas gifts.

As we get closer to the holiday season, you need to find a couple of minutes to compile a list if you haven't done so already for the best Christmas gifts. Last minute shopping does not allow you to find the best Christmas gifts for your friends and family. A thoughtless gift is worse than no gift at all. Getting the best Christmas gifts requires that you put some thought into the task and early Christmas shop for the best Christmas gifts.

If you have no idea what holiday gifts to get and what would make great holiday gifts, find suggestions on or offline on the best gift ideas and where to find them or pay attention to any hints dropped by family and friends in order to prepare a list of the best Christmas presents.

Make this the year that you early Christmas shoppers. Most holiday shoppers usually wait until the very last minute which is seen with the crowds of people at the mall and other shopping centers and the resulting stress. Waiting until December to find Christmas presents also means that if you are using a credit card, you will have a large credit card bill in the new year to pay off. Early Christmas shopping for the best Christmas gifts allows you to spread out your expenses on Christmas presents.

Online shopping is continuing to explode and while you do not deal with the crowds, you need to place the orders early to ensure that you receive the best Christmas presents well before Christmas day especially if you need to mail some of these holiday gifts. Plan to shop early to avoid the stress of wondering whether you will receive the Christmas presents before Christmas. Although some online stores can gift wrap and mail the Christmas present to the recipient for you, I prefer my own wrapping and you do not want the recipients to receive the Christmas presents too early or too late.

Various stores and other outlets should have information on some of the best gift ideas to help you with your Christmas list. You also need to set a budget that you stick to when reviewing the best gift ideas.

This information on the best Christmas gifts usually contains lists of the best Christmas gifts for men, the best Christmas gifts for women and the best Christmas gifts for girls and boys in order to help you come up with ideas on great holiday gifts to fill out your Christmas list. Once you spend some time compiling this Christmas list early of the best Christmas gifts and made the purchases, you can then have a relaxing and stress-free holiday season because would have done all your Christmas shopping early.

One of the best ways to Christmas shop early for the best Christmas gifts that you can keep in mind for next year's Christmas since it is already late in the year 2010, is to shop in the few days after Christmas day 2010 for for the following year's holiday gifts since a vast number of stores both off and online have various sales to prepare for the new year by getting rid of excess inventory which means that you will be able to get some of the best Christmas gifts for the following year.

Some of the best gift ideas for 2010 will more or less still apply for the coming year. For electronics, you will probably have to wait until the coming year before making purchases because updates occur frequently in this area.

Another tip to help you with early Christmas shopping for the best Christmas gifts once you have reviewed any lists showing the best gift ideas, is to purchase two gifts instead of one gift for the people on your list at the time of their birthday so that you can give them one gift as a birthday gift and the second gift at Christmas time.

These are only a few tips to keep in mind that will ensure that you have a relatively stress free time at Christmas because all your Christmas presents would have been purchased and wrapped since you properly planned and put a lot of thought into your gift giving and allowed yourself enough time to come up with the best Christmas gifts for your family and friends.

Hon. Ruth Maricar A. Alap

Ruth Maricar A. Alap of Don Domingo Maddela Bayombong Nueva Vizcaya started her political career as an SK chairman, now a 2nd termer Brgy. Kagawad up to present. Alap motivation is to run for municipal councilor and to give service to the people of Bayombong.

 She also passed the ordinance - usage of an ideal lot, curfew hour for minors and the no transferring of boarding house among others.   She studied Bachelor of Science in agriculture{BSA} and a LET board passer in 1997.

Alap landed her first job as a volunteer teacher in Sta. Clara Aritao, then she was promoted as an income generating chairman and also became the judge for showcasing arts. Kablaaw: Naimpusuan nga kablaaw kadakayo ay-ayatik  nga kailian! Christmas is the time for sharing, loving and forgiving. The time to welcome the birth of our Lord Jesus .It is also the time to be with our loved ones tatta nga paskua .

Good Investments for Pinoys Abroad

It is a sad fact that Filipinos have limited knowledge when it comes to investments. Yes, probably the only investment we know of is business. We do not even consider saving in a bank as an investment. In entirety, we see banks as a place where we put our money and get it from time to time. We do not have a sophisticated definition of what truly is an investment.

In a place like the Philippines, Filipinos need to diversify their options for investments. Having a business is not your only choice. As a matter of fact, there are several investment schemes, good ones by the way, that can surely make your hard-earned money rolling into piles especially for Filipinos abroad or the Overseas Filipino Workers (OFWs). As an OFW it is your prerogative to save and invest your money because working in other countries is not permanent and the regular salary you receive may not last. To back yourself up and your family, you need to put your money into financial investments that will increase its value.

Take note: never entertain financial scams that are too good to be true. Secure your money to trusted and well-recognized companies which will take care of your money.

Treasury Bills (T-Bills)

Treasury bills are offered in your bank. This is a long-term investment and its minimum amount of investment is P100, 000.00. Its interest rate is higher than that of time deposits. This is investing your money in portfolios that are used for government purposes. This is a low-risk investment since it is backed by the Philippine government.

Unit Investment Trust Funds (UITF)

UITF is also offered in your local banks. This is an open-ended trust fund which investors can buy and sell their units after the minimum holding period. This is a high-risk investment where you should only invest money that you can afford to lose. If you invest a large amount of money, chances are you will also receive high returns. You must educate yourself beforehand on this type of investment so you will know when to stick around or when to sell your funds.

Mutual Funds

Mutual funds come in different types. Among these that are stock funds, bond funds, and balanced funds. Whichever fund you might want to take part in will depend on how aggressive you are as an investor. It means that if you are willing to stake higher investments, you can opt for stock funds. But if you are conservative, then choose bond funds. There is no guarantee that you will always get high returns from this investment since this will always depend on the country's economic condition. This is also a long-term investment.

Overseas Filipino Workers can also invest their money in stocks, real estate businesses, and insurance investments like educational plan, pension plan, and protection plan. As an investor, you must be aware that investments should be measured in terms of risks, returns, and liquidity. Only participate in investments with 2 to 4% returns above the annual inflation rate. Never go for those investments with 2% returns a month because it may be just a scam. In investments, the higher the return, the higher the risks.

Hon: RICKRONELSON ASUNCION

HON. PHILIP A. DACAYO