Tuesday, August 4, 2009
Saturday, August 1, 2009
FAREWELL TITA CORY!
We know where you are now-we hope you can take the time to hear our collective sigh as we say...THANK YOU!
Saturday, July 25, 2009
BASICS OF FINANCIAL INVESTMENT
How would you like to spend your later years, (still) working for money? or making your money work for you?
THINGS TO CONSIDER: (NOTE: WHILE ALL OF THEM IS OF EQUAL IMPORTANCE, THIS IS STILL ARRANGED ON A “FIRST THINGS FIRST” BASIS)
1.) Investment Objective the first thing to consider, and just to clear a common misconception, YOU DO NOT INVEST simply to make money, you invest to achieve aparticular financial goal or objective, it could be your child’s future education, your retirement fund, even a future travel abroad (yes). It’s better than savings, because your money works and earns at the same time, (that’s why it’s called investment) thus maximizing its value. A good illustration would be dollar investments, most Filipinos (especially OFW’s) invest their dollars with the intention inventually taking advantage of it’s rising value (vis a vis the peso). And that makes sense, but still much better if you invest your dollar with a future objective that is denominated in dollars-it could be your child’s future studies abroad, a planned overseas trip 5 years from now, your retirement fund, (you can just imagine the advantages if your pension is in dollars, at least you can include a once in a lifetime dream trip abroad). A word of caution however, investments also involve risks, while your money will earn, it might also suffer a loss, especially in a crisis.(like the one we’re having now) That’s why there is such a thing as, Financial Planning, and why investment is only a part of it.
2.) Time Frame Investment tools work best over time, and that is at least 5 years or more, anything less than that and we’re talking savings, like time deposit and savings accounts. Because by their very nature, (the imbalance between your present income and future expense) your investment goals should be in the distant future. The general rule is: the more time you have, the more risk you can take (with your investments, since as the logic goes-you have more time to recover in case of a downturn, and more risk equals more gains, ) but I prefer the other one: the more time you have, the less amount you need to set aside, making it more affordable for you, which makes it the best argument for starting early, starting NOW.
3.) Amount to be Invested A good starting point should be at least 10% of your income (gross if possible) that should erase your "I can't afford excuse", provided of course, that you start cutting down on unnecessary expenses. And as your income increases (it should) you could then diversify (another reason why you should do financial planning or hire someone to do it for you).
4.) Risk Profile (YOURS) When it comes to money, are you averse to taking risk? Or are you aggressive, and willing to take CALCULATED risk? After all, you worked hard for it. As a rule, if you’re the conservative type, so should your investments be, and vice versa (supposedly).
5.) Investment Tool This pertains to the type of instrument ideal for your needs, taking into consideration all the three factors above. As rule in Financial Planning, your investments should look like a pyramid (the one in Egypt, not the scam) with savings like, insurances-accident and health, educational plans, pension plans, Philhealth, SSS, (even memorial plans) etc. serving as a foundation and making up the bulk at the bottom, with the higher yielding and riskier tools, like stock market investments, at the top.
SOME COMMON INVESTMENT TOOLS
BONDS A bond is a loan that you, the investor, make -- you lend your money to a government, municipal authority, or company in exchange for a fixed amount of interest paid to you regularly. You don’t get to own a part of the lending entity. At maturity date, your investment is paid back to you at par value — the amount written on the bond certificate. Bonds have long been established in Europe and the US, where this type of investment has done better than cash investments in terms of returns. Bonds suit conservative investors since they can get a regular stream of income over a number of years. The risk lies in payment defaults, so choose bonds carefully.
STOCKS Refers to buying shares of ownership in a publicly listed company” The stock market is very volatile therefore riskier-prices of stocks fluctuate in response to the times .but it can also be more profitable, as your returns can be anywhere from 20-30%. Stock investments should be held over the long term to ride out fluctuations.
EQUITIES rather than directly investing in the stock market. Equity funds are investment funds invested wholly in stocks and are run by full-time professional fund managers who watch over the portfolio and make trading decisions daily. They know which stocks are doing well since they analyze the market daily. Investing in equity funds will allow you to diversify your investments, since the fund invests in not just one stock, but in a mix, you will also be spreading your risk, since you won’t be exposed to just one company stock. So even if one stock loses, others may gain and you will have a net gain. You will also be highly liquid since you can turn your investment into cash anytime you want by withdrawing from the fund, in some cases, at a small fee. Equity funds may be in the form of a mutual fund run by a financial company, or a unit investment trust fund you can access through a bank.
MUTUAL FUNDS If directly investing in money market, stocks and bonds seems tedious, time-consuming, and baffling, consider getting into mutual funds. A mutual fund gathers together investment placements from many investors, which the fund manager then invests in money market, stocks, and bonds based on their market study. Investors can choose where it will be invested-equities, bonds (fixed income), or balanced (mixed) fund.This is also allows investors to diversify rather than just focus on one investment vehicle (to spread the risk). With a potential for good long-term growth, it has become the better alternative to Time Deposits offered by banks (which is why banks came out with their own version called the "Unit Investment Trust Fund")
TREASURY BILLS you loan your money to the government, to finance public expenses, for a short term, say 30 days a year, And are risk- free, since they carry the government’s full and unconditional guarantee, (and all the government has to do is collect money thru taxes to pay it back) interest rates can go as high as 4% per annum.
TREASURY NOTES similar to treasury bills, except that they require a longer investment-from 2 to 25 years,-but you can enjoy coupon interest payments, usually handed out in arrears, longer term equals a higher interest rate.
UNIT INVESTMENT TRUST FUNDS (UITF’S) Mutual Funds exclusively Offered by banks.
Investments should be viewed as a long-term strategy for achieving financial goals, and to build up wealth. The more you leave it alone, the more it will grow and work for you. (“Take Charge of your Money”; Citibank)
THINGS TO CONSIDER: (NOTE: WHILE ALL OF THEM IS OF EQUAL IMPORTANCE, THIS IS STILL ARRANGED ON A “FIRST THINGS FIRST” BASIS)
1.) Investment Objective the first thing to consider, and just to clear a common misconception, YOU DO NOT INVEST simply to make money, you invest to achieve aparticular financial goal or objective, it could be your child’s future education, your retirement fund, even a future travel abroad (yes). It’s better than savings, because your money works and earns at the same time, (that’s why it’s called investment) thus maximizing its value. A good illustration would be dollar investments, most Filipinos (especially OFW’s) invest their dollars with the intention inventually taking advantage of it’s rising value (vis a vis the peso). And that makes sense, but still much better if you invest your dollar with a future objective that is denominated in dollars-it could be your child’s future studies abroad, a planned overseas trip 5 years from now, your retirement fund, (you can just imagine the advantages if your pension is in dollars, at least you can include a once in a lifetime dream trip abroad). A word of caution however, investments also involve risks, while your money will earn, it might also suffer a loss, especially in a crisis.(like the one we’re having now) That’s why there is such a thing as, Financial Planning, and why investment is only a part of it.
2.) Time Frame Investment tools work best over time, and that is at least 5 years or more, anything less than that and we’re talking savings, like time deposit and savings accounts. Because by their very nature, (the imbalance between your present income and future expense) your investment goals should be in the distant future. The general rule is: the more time you have, the more risk you can take (with your investments, since as the logic goes-you have more time to recover in case of a downturn, and more risk equals more gains, ) but I prefer the other one: the more time you have, the less amount you need to set aside, making it more affordable for you, which makes it the best argument for starting early, starting NOW.
3.) Amount to be Invested A good starting point should be at least 10% of your income (gross if possible) that should erase your "I can't afford excuse", provided of course, that you start cutting down on unnecessary expenses. And as your income increases (it should) you could then diversify (another reason why you should do financial planning or hire someone to do it for you).
4.) Risk Profile (YOURS) When it comes to money, are you averse to taking risk? Or are you aggressive, and willing to take CALCULATED risk? After all, you worked hard for it. As a rule, if you’re the conservative type, so should your investments be, and vice versa (supposedly).
5.) Investment Tool This pertains to the type of instrument ideal for your needs, taking into consideration all the three factors above. As rule in Financial Planning, your investments should look like a pyramid (the one in Egypt, not the scam) with savings like, insurances-accident and health, educational plans, pension plans, Philhealth, SSS, (even memorial plans) etc. serving as a foundation and making up the bulk at the bottom, with the higher yielding and riskier tools, like stock market investments, at the top.
SOME COMMON INVESTMENT TOOLS
BONDS A bond is a loan that you, the investor, make -- you lend your money to a government, municipal authority, or company in exchange for a fixed amount of interest paid to you regularly. You don’t get to own a part of the lending entity. At maturity date, your investment is paid back to you at par value — the amount written on the bond certificate. Bonds have long been established in Europe and the US, where this type of investment has done better than cash investments in terms of returns. Bonds suit conservative investors since they can get a regular stream of income over a number of years. The risk lies in payment defaults, so choose bonds carefully.
STOCKS Refers to buying shares of ownership in a publicly listed company” The stock market is very volatile therefore riskier-prices of stocks fluctuate in response to the times .but it can also be more profitable, as your returns can be anywhere from 20-30%. Stock investments should be held over the long term to ride out fluctuations.
EQUITIES rather than directly investing in the stock market. Equity funds are investment funds invested wholly in stocks and are run by full-time professional fund managers who watch over the portfolio and make trading decisions daily. They know which stocks are doing well since they analyze the market daily. Investing in equity funds will allow you to diversify your investments, since the fund invests in not just one stock, but in a mix, you will also be spreading your risk, since you won’t be exposed to just one company stock. So even if one stock loses, others may gain and you will have a net gain. You will also be highly liquid since you can turn your investment into cash anytime you want by withdrawing from the fund, in some cases, at a small fee. Equity funds may be in the form of a mutual fund run by a financial company, or a unit investment trust fund you can access through a bank.
MUTUAL FUNDS If directly investing in money market, stocks and bonds seems tedious, time-consuming, and baffling, consider getting into mutual funds. A mutual fund gathers together investment placements from many investors, which the fund manager then invests in money market, stocks, and bonds based on their market study. Investors can choose where it will be invested-equities, bonds (fixed income), or balanced (mixed) fund.This is also allows investors to diversify rather than just focus on one investment vehicle (to spread the risk). With a potential for good long-term growth, it has become the better alternative to Time Deposits offered by banks (which is why banks came out with their own version called the "Unit Investment Trust Fund")
TREASURY BILLS you loan your money to the government, to finance public expenses, for a short term, say 30 days a year, And are risk- free, since they carry the government’s full and unconditional guarantee, (and all the government has to do is collect money thru taxes to pay it back) interest rates can go as high as 4% per annum.
TREASURY NOTES similar to treasury bills, except that they require a longer investment-from 2 to 25 years,-but you can enjoy coupon interest payments, usually handed out in arrears, longer term equals a higher interest rate.
UNIT INVESTMENT TRUST FUNDS (UITF’S) Mutual Funds exclusively Offered by banks.
Investments should be viewed as a long-term strategy for achieving financial goals, and to build up wealth. The more you leave it alone, the more it will grow and work for you. (“Take Charge of your Money”; Citibank)
Thursday, July 23, 2009
FINANCIAL PLANNING
“Long-term profit planning aimed at achieving financial goals, generating greater return on assets, growth in market share, and at solving foreseeable problems.”
Businessdictionary.com
Financial Planning evolved from the old and tried (simple but effective) method of acquiring (read buying or purchasing) something priced beyond your present income, which is, you save until you have enough to afford it. (the other one is thru financing either by loan or term payments) Financial planning is just going several steps further, instead of merely purchasing something, your savings is used to help you with future expenses such as tuition fees, hospitalization, pension etc. it is called planning instead of just merely saving because you’re no longer intending to buy something, but weighing your options, utilizing different instruments, based on your present income, in order to achieve a future financial goal.
For comparison, think of fitness training, (after all, it’s your also financial health were talking about here) It is made up of several programs (endurance, strength, flexibility speed etc.) so it is with financial planning (savings investments, insurance, estate planning etc.) you could say that savings is the equivalent of a diet, investments (whose purpose is to make your money work for you-“generate greater return on assets”) is akin to resistance or strength training, and so on…each program has its own purpose, and both takes time and discipline.
And just like in fitness training, A financial planner serves as your trainer, who will prepare the right program for you based on your goals, and your budget. (A good gym instructor will prepare a program that is based on your daily physical activity or sport-which is a good reason that you should choose for both, someone with the right credentials) while your accountant, auditor/bookkeeper serves as your doctor. Of course there’s no guarantee that you won’t lose money, such as in a financial crisis (like the one we’re having now).much in the same way your doctor can’t guarantee that you won’t get sick in the future. Incidentally the financial crisis that hit in the late 90’s was called the Asian flu. Then there is the smart-ass objection-“that we’re not even sure if we might die tomorrow, so why save”? Which (in physical fitness) is the same lame excuse smokers give for not quitting.
Financial Planning is not about creating wealth, it’s about maximizing the value of the ones you already have. It’s not just about savings, but expenses as well. It’s not about predicting the future, its preparing you for it ( “solving foreseeable problems”) it’s not about making you rich, but to make you financially independent (the former has something to do with income statement, while the latter has everything to do with balance sheet).
And more importantly-it’s not just for the rich, but most specially for us, the working class, since we can never be sure if our present income will be enough to get by in the near future. It is a sad fact that most Filipinos earn barely enough to get by on a day to day basis, and therefore are too busy just trying to survive and cannot afford the luxury of financial planning, but, it is also true, that there are those who can’t afford simply because of having a wrong set of priorities when it comes to our finances. We can never tell what the future holds, which is all the more reason to prepare for it.
Businessdictionary.com
Financial Planning evolved from the old and tried (simple but effective) method of acquiring (read buying or purchasing) something priced beyond your present income, which is, you save until you have enough to afford it. (the other one is thru financing either by loan or term payments) Financial planning is just going several steps further, instead of merely purchasing something, your savings is used to help you with future expenses such as tuition fees, hospitalization, pension etc. it is called planning instead of just merely saving because you’re no longer intending to buy something, but weighing your options, utilizing different instruments, based on your present income, in order to achieve a future financial goal.
For comparison, think of fitness training, (after all, it’s your also financial health were talking about here) It is made up of several programs (endurance, strength, flexibility speed etc.) so it is with financial planning (savings investments, insurance, estate planning etc.) you could say that savings is the equivalent of a diet, investments (whose purpose is to make your money work for you-“generate greater return on assets”) is akin to resistance or strength training, and so on…each program has its own purpose, and both takes time and discipline.
And just like in fitness training, A financial planner serves as your trainer, who will prepare the right program for you based on your goals, and your budget. (A good gym instructor will prepare a program that is based on your daily physical activity or sport-which is a good reason that you should choose for both, someone with the right credentials) while your accountant, auditor/bookkeeper serves as your doctor. Of course there’s no guarantee that you won’t lose money, such as in a financial crisis (like the one we’re having now).much in the same way your doctor can’t guarantee that you won’t get sick in the future. Incidentally the financial crisis that hit in the late 90’s was called the Asian flu. Then there is the smart-ass objection-“that we’re not even sure if we might die tomorrow, so why save”? Which (in physical fitness) is the same lame excuse smokers give for not quitting.
Financial Planning is not about creating wealth, it’s about maximizing the value of the ones you already have. It’s not just about savings, but expenses as well. It’s not about predicting the future, its preparing you for it ( “solving foreseeable problems”) it’s not about making you rich, but to make you financially independent (the former has something to do with income statement, while the latter has everything to do with balance sheet).
And more importantly-it’s not just for the rich, but most specially for us, the working class, since we can never be sure if our present income will be enough to get by in the near future. It is a sad fact that most Filipinos earn barely enough to get by on a day to day basis, and therefore are too busy just trying to survive and cannot afford the luxury of financial planning, but, it is also true, that there are those who can’t afford simply because of having a wrong set of priorities when it comes to our finances. We can never tell what the future holds, which is all the more reason to prepare for it.
Sunday, June 28, 2009
INVESTMENTS WE MAKE IN LIFE
“The best time to invest was 20 years ago, the second best time is
NOW!”
Summer is way over and were into our second month of school, for most of us including myself, its back to the real world, in my case as in REAL, after my summer stint travelling around as a Tour Guide (part time) I was supposed to report to another part time job-teaching, unfortunately my request for additional load of subjects (FINANCIAL MANAGEMENT and ECONOMICS) was denied by CHED as I still haven’t finished my MBA, (I still have to start my 2nd Year) worst, the subject that I’ve been teaching so far (WORLD LITERATURE) is not being offered this semester due to the number of enrolees in that subject not reaching the required minimum no. of 15 students, whereas in previous semesters there would be as many as 5 sections. There really was a huge drop in enrolees at the local College where I teach, I’m not sure if the sub-prime crisis has something to do with it, or most of the new students just enrolled at other schools. So now I have only one part-time job (tour guide) and my main job, a career agent for Philamlife (also called Financial Adviser) and since It’s too late to be a pro-surfer (lol)...maybe I should start talking about the things I should have done 20…no, make that 25 years ago. I’m talking about investments. For me there are only three, and while I arrange them in order of importance, all three pretty much determines the quality of life we are going to have.
They are:
1.) Health
2.) Education
3.) Financial
All three have also three things in common-
All three have their own misconceptions.
They are all easy to get into, but take a lot of discipline and will power to keep on, after all, contrary to popular notion, all three are a continuing process (or haven’t you noticed?)
And most important, they all point to one direction-“your future”
HEALTH
I’m not sure if you agree with me on this, as the most important investment you’ll ever make, this is one area in which the sum total is greater than its parts. While a complete program may involve four (or more) regimen (endurance, strength, flexibility, speed) the end result not only improves physical performance, but mental and psychological as well (better attitude, self-confidence, resistance to diseases, etc.your healthy body-healthy mind stuff) indeed, this is the most important because it contains the three foods: food for the body, food for the mind, and more importantly-food for the soul.
EDUCATION
This one I’m sure most of us can agree on, we also agree that, this takes place inside and outside the classroom, with the one taking place outside the classroom being the most important, since this also includes our home where character is being developed, and we all know how character takes the most major role in defining who we are, our relationships, career etc. and finally we all agree this is a never ending process, and the day we stop learning is the day we stop growing.
FINANCIAL
Everyone’s favourite among the three because of it’s main topic (money), and yet is the most misunderstood, and overrated. Misunderstood and maybe misinformed because everyone think it’s about getting rich, and everyone has his/her ideas what to do about it, and yet only few actually do something about it, overrated because those who do, place it above the other two, which is why when finally they actually end up being rich, even filthy rich, they’re so stressed out, that they actually cannot enjoy the money they have accumulated.
It’s no coincidence that I’m directly involved with all three, as an athlete/coach, teacher, and of course my main job. If I must admit one regret in life, it is that I wish had started it earlier. Going back to the best time to invest (20 years ago) can you imagine how your life might have turned out if you did, and if you’re one of those who did, can you imagine your life now if you didn’t?
NOW!”
Summer is way over and were into our second month of school, for most of us including myself, its back to the real world, in my case as in REAL, after my summer stint travelling around as a Tour Guide (part time) I was supposed to report to another part time job-teaching, unfortunately my request for additional load of subjects (FINANCIAL MANAGEMENT and ECONOMICS) was denied by CHED as I still haven’t finished my MBA, (I still have to start my 2nd Year) worst, the subject that I’ve been teaching so far (WORLD LITERATURE) is not being offered this semester due to the number of enrolees in that subject not reaching the required minimum no. of 15 students, whereas in previous semesters there would be as many as 5 sections. There really was a huge drop in enrolees at the local College where I teach, I’m not sure if the sub-prime crisis has something to do with it, or most of the new students just enrolled at other schools. So now I have only one part-time job (tour guide) and my main job, a career agent for Philamlife (also called Financial Adviser) and since It’s too late to be a pro-surfer (lol)...maybe I should start talking about the things I should have done 20…no, make that 25 years ago. I’m talking about investments. For me there are only three, and while I arrange them in order of importance, all three pretty much determines the quality of life we are going to have.
They are:
1.) Health
2.) Education
3.) Financial
All three have also three things in common-
All three have their own misconceptions.
They are all easy to get into, but take a lot of discipline and will power to keep on, after all, contrary to popular notion, all three are a continuing process (or haven’t you noticed?)
And most important, they all point to one direction-“your future”
HEALTH
I’m not sure if you agree with me on this, as the most important investment you’ll ever make, this is one area in which the sum total is greater than its parts. While a complete program may involve four (or more) regimen (endurance, strength, flexibility, speed) the end result not only improves physical performance, but mental and psychological as well (better attitude, self-confidence, resistance to diseases, etc.your healthy body-healthy mind stuff) indeed, this is the most important because it contains the three foods: food for the body, food for the mind, and more importantly-food for the soul.
EDUCATION
This one I’m sure most of us can agree on, we also agree that, this takes place inside and outside the classroom, with the one taking place outside the classroom being the most important, since this also includes our home where character is being developed, and we all know how character takes the most major role in defining who we are, our relationships, career etc. and finally we all agree this is a never ending process, and the day we stop learning is the day we stop growing.
FINANCIAL
Everyone’s favourite among the three because of it’s main topic (money), and yet is the most misunderstood, and overrated. Misunderstood and maybe misinformed because everyone think it’s about getting rich, and everyone has his/her ideas what to do about it, and yet only few actually do something about it, overrated because those who do, place it above the other two, which is why when finally they actually end up being rich, even filthy rich, they’re so stressed out, that they actually cannot enjoy the money they have accumulated.
It’s no coincidence that I’m directly involved with all three, as an athlete/coach, teacher, and of course my main job. If I must admit one regret in life, it is that I wish had started it earlier. Going back to the best time to invest (20 years ago) can you imagine how your life might have turned out if you did, and if you’re one of those who did, can you imagine your life now if you didn’t?
Friday, June 26, 2009
GOODBYE MICHAEL JACKSON!
There are those who remember Michael Jackson as a good singer/dancer more famous for his outrageous clothes and antics, and of course the controversy he generated, and there are those like me who remember him as an extremely talented artist whose contribution to the music industry is so immense that it probably change the landscape forever.
I remember Michael Jackson more as someone who revolutionised MTV, prior to him, MTV was nothing more than a filler film that showed an artist doing a song and dance piece. But Michael Jackson working with such varied talents as Eddie Van Halen, Paul McCartney, Eddie Murphy, to famed directors such as John Carpenter to Martin Scorsese, came up with such productions that his MTV presentation is actually a short story/movie in itself. Just watch (again) any of his music videos, and you’ll know what I mean. I do not mourn the man, but the passing of a great artist. His title of “King of Pop” is well deserved, FAREWELL TO THE KING!
I remember Michael Jackson more as someone who revolutionised MTV, prior to him, MTV was nothing more than a filler film that showed an artist doing a song and dance piece. But Michael Jackson working with such varied talents as Eddie Van Halen, Paul McCartney, Eddie Murphy, to famed directors such as John Carpenter to Martin Scorsese, came up with such productions that his MTV presentation is actually a short story/movie in itself. Just watch (again) any of his music videos, and you’ll know what I mean. I do not mourn the man, but the passing of a great artist. His title of “King of Pop” is well deserved, FAREWELL TO THE KING!
Thursday, June 11, 2009
DEAR PEOPLE OF THE REPUBLIC OF THE PHILIPPINES (INDEPENDENCE DAY MESSAGE)DA
Due to the current financial situation caused by the slowdown of the economy, your Government has decided to implement a scheme to put workers 50 years of age and older on early retirement. This scheme will be known as RAPE (Retire Aged People Early).
Persons selected to be RAPED can apply to the government to be eligible for the SHAFT scheme (Special Help After Forced Termination).
Persons who have been RAPED and SHAFTED will be reviewed under the SCREW program (Scheme Covering Retired Early Workers).
A person may be RAPED once, SHAFTED twice and SCREWED as many times as the government deems appropriate.
Only persons who have been RAPED can get AIDS (Additional Income for Dependants & Spouse) or HERPES (Half Earnings for Retired Personnel Early Severance). Obviously, persons who have AIDS or HERPES will not be SHAFTED or SCREWED any further by the government.
Persons who are not RAPED and are staying on will receive as much SHlT (Special High Intensity Training) as possible. The government has always prided itself in the amount of SHlT it gives out. Should you feel that you do not receive enough SHlT, please bring this to the attention of either your Governor, Congressman, or local Mayor. They have been trained to give you all the SHlT you can Handle
OR: You can be active and fight for meaningful change-it's all up to you, after all, there are 3 types of people:
Those who make things happen
Those who watch things happen
And those who wonder-What happen?
What type are you?
(forwarded email)
Persons selected to be RAPED can apply to the government to be eligible for the SHAFT scheme (Special Help After Forced Termination).
Persons who have been RAPED and SHAFTED will be reviewed under the SCREW program (Scheme Covering Retired Early Workers).
A person may be RAPED once, SHAFTED twice and SCREWED as many times as the government deems appropriate.
Only persons who have been RAPED can get AIDS (Additional Income for Dependants & Spouse) or HERPES (Half Earnings for Retired Personnel Early Severance). Obviously, persons who have AIDS or HERPES will not be SHAFTED or SCREWED any further by the government.
Persons who are not RAPED and are staying on will receive as much SHlT (Special High Intensity Training) as possible. The government has always prided itself in the amount of SHlT it gives out. Should you feel that you do not receive enough SHlT, please bring this to the attention of either your Governor, Congressman, or local Mayor. They have been trained to give you all the SHlT you can Handle
OR: You can be active and fight for meaningful change-it's all up to you, after all, there are 3 types of people:
Those who make things happen
Those who watch things happen
And those who wonder-What happen?
What type are you?
(forwarded email)
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