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Thursday, January 29, 2009

mommy moments
These are my Entries for this week's theme "Baby's First smile"

MAXINE ROSE BINUYA
This was taken few hours after birth.



This was taken one week after birth with her daddy.




This was taken when she was 4 months old with her nanny.


DANIEL ROLDZ BINUYA

This picture was taken when he was 2 weeks old in our house in Mandaluyong.



The first smile of Daniel Roldz when he first saw his Grandmother(father side). This picture was taken the day after his birth. He was looking to his Lola.

Wednesday, January 28, 2009

My Birthday Wishlist



Thank you Jes and Enchie for the invite.



Rules Of The Tag:

1. Make a list of what you want on your birthday
2. The list should be 10 numbers
3. Post the image of this award in your posting
4. Give it to 10 friends of yours.

Ten months to go before my 32ND birthday....waahh!!! I'm getting old.....but still looks young and pretty!....oops! No one should react..Lol!


What are my BIRTHDAY WISHES?
1. Good health for me, my husband, my kids, my parents and brother
2. Wealth and success....How? lots and lots of real estate sales.
3. New Vehicle....should be 4x4 Nissan X-Trail
4. House Extension and Modifications
5. New baby....should be Girl!..Lol
6. Contentment and happiness in life
7. Improvement in our Economy Status
8. Peace in our country and throughout the world.

Additional Wishes:
9. I wish to celebrate our Birhdays(my husband and I) out of town, preferably Bohol & Cebu.
10. I wish to travel to Disney Land with my family.


So many wishes, but I know these wishes are not impossible to come true because I have the determination and capacity to make it in reality.

But, the betterment of world economy status and peace should start from all of us.

Good Luck and May we have BLESSED 2009!

I am TAGGING:
AK Mom
life's journeyLiza

Housing Loan Through Bank Financing

Buying a house and lot is not an easy step like what others think. You have tons of factors to consider before making a decision and choosing your home to live for a lifetime. The very first question you should ask to yourself in purchasing a house is.....CAN I AFFORD? .....then the next question would be.......WHAT HOUSE FINANCING OPTION IS BEST FOR ME?.....and the final question should be.....AM I QUALIFIED? You see, it's funny but in reality the truth in purchasing a house is a tough task. Everyone of us is dreaming to own a house and lot but not everyone or very few of us, If may say, can afford to buy either. In one of my blogs, I have discussed on how to acquire a house and lot through Pagibig Financing, now I would like to discuss about the housing loan through Bank Financing.

How can you buy a house and lot through Bank Financing?

to be continued....

Tuesday, January 27, 2009

Blowing Out My Mind!

I've been busy for past few days. I hope I could catch up with you guys...

I just wanted to hear out my mind through this blog....

I am very very happy right now because my real estate business is doing well so far despite of the crisis we are experiencing in our country. Many Filipinos lost their jobs and everyday the count of unemployed is rising. Losing your job is not the right reason to lose your way and end up miserably. You can make a change, you have to be resourceful in finding other ways to earn even you are at home.

CHEER UP FELLOW FILIPINOS! We have so much to look forward. We are fighters....We had encountered so many crisis in the past. This is not the first time, right? Be optimistic, look at the brighter side and act! But don't forget to pray. Prayer is the most powerful tool.

God Bless!

Sunday, January 25, 2009

Toy Hunt






These are the ROUND TOYS of Daniel Roldz.

The first toy was from his Ninang. This is one of his first toys.
The second toy is a drum, he loves to sing and dance that's why we bought this toy because we thought that it might help him in developing his talent.
The third toy was a gift from Jes....Jesselyn Grace Lising, is my friend and my agent. I think most of you knows her.

I hope this entry is not yet late. See you again mommys on next toy hunt.

Saturday, January 24, 2009

Why Do I Love My Husband?








First of all, I would like to thank Enchie for tagging me.

This short blog is dedicated to my loving husband Roldz...

From my previous blogs you can read "How I Met My Husband". Now, this is all about WHY DO I LOVE MY HUSBAND?

You know I really can't measure the love I feel to my partner. Words are not enough to describe the real feelings inside me. It is overwhelming.....

All I want to say is that God has given me this wonderful man and I will love him forever until the end of time.

God Bless to all couples out there!

What is the meaning of MARRIAGE?


What is the meaning of MARRIAGE?

Marriage is the combining of two souls in to one, however in separate bodies, who promise to stay together in sickness and in good health forever. Marriage is not a contract or a bond that one signs, it is simply done one the will of two people with their consent and happiness.

When two people, of course a man and a woman, feel like they are made for each other and they should spend the rest of their lives together, they get together in the form of marriage, which is a legal process of being an official couple. Marriage is one of the most beautiful things of life in which a person is re born again and changes completely.

However it is required for the person who is getting married to be serious about this process and relationship. One has to think about the whole future with his or her partner and not think it is a piece of cake. After marriage come children, which are another big responsibility.

One should be completely prepared that life is going to change after marriage and no more it is going to be an independent life because once you take your vows to be together for the rest of your life, you should fulfil the promises. It is all about love, care, feelings and compassion.

Thursday, January 22, 2009

My Daughter's Latest Birthday Photos




mommy moments

My Daugther 5th birthday was celebrated last January 8, 2009. We went for swimming to All Hands Beach Resort, Subic.

Wednesday, January 21, 2009

Acquiring a house and lot through Pagibig Financing


Being in a real estate business has made me more confident in dealing with different people. From low income to elite Filipinos in our country, overseas Filipino Workers(OFWs), immigrant fellow Filipinos abroad and foreigners married to Filipinos. I am selling middle income housing projects with the price range of 1.5M to 5M and high-end housing projects ranging from 6M and up. When I was a newbie in this business I used to sell low income housing projects where most Filipinos apply their Pagibig or HMDF(Housing Mutual Fund Development) contribution to avail a housing loan. Pagibig Fund provides programs that help the needs of the members belonging to the bottom economic level dreaming to acquire their own house. Nowadays, there are so many pagibig housing projects ranging from 500,000 to 1M. So, if you are a minimum wage earner, you can now own a house and lot for as low as 3,000/month. But, the housing loan still depends on your gross monthly income or monthly contribution. So, if you are planning to buy a house and lot through Pagibig Financing, you must first fully understand their housing program. This is their website for your reference: www.pagibigfund.gov.ph.

You must also remember, in acquiring a house and lot through pagibig financing, you should be capable of providing their required documents needed to process your loan. If you don't have time to prepare the requirements then pagibig financing option is not for you.

Pagibig Housing Requirements:

1. Photocopy of Income Tax Return(ITR)- locally employed
2. Cerificate of Employment and Compensation(original, sealed and notarized)- consularized if OFW
3. Latest 3 months payslip
4. Valid Government IDs(photocopy of passport, PRC license, driver's license, SSS ID and etc.)
5. 1x1 ID pictures
6. Photocopy of Birth Certificate, if single
Photocopy of Marriage Certificate, if married
7. Proof of Billing Address(like meralco, PLDT and etc)
8. Photocopy of Company Valid ID
9. MSVS(couselling) slip
10. TIN Number
11. Photocopy of Job Contract(notarized & consularized) - OFW
12. Special Power of Attorney(SPA) - notarized and consularized - OFW
13. Photocopy of POP Book - OFW

Not all housing projects can be applied to pagibig financing especially if the price ranges from 2M and up. Other Financing options are: Bank Financing and Inhouse Financing.

I will discuss about Bank Financing and Inhouse Financing too. Just stay tune!

My Asthmatic Son



Maki is the eldest among my three children. Since birth he has been experiencing asthma attacks. It is very difficult for a mother like me to see him sick. Today, I rushed him to the hospital for an immediate treatment because of very prominent difficulty in breathing and wheezing. Our Pediatrician prescribed medicines that can stop trigger asthma attacks. I hope he will be alright. Tomorrow is their 3rd Periodical Exam in school and he wont be able to take the exam as he needed to rest even just for a day.

Being a mother should always be ready and aware of the different types of sickness that our children might encounter. We should always prioritize our children above all. To all the moms out there...God Bless you all and your kids!

Tuesday, January 20, 2009

Thoughts of anything and everything

Whew! Time is so fast and I couldn't imagine the holiday seasons are now over. The summer is approaching and I am now preparing for the summer vacation outbreak....LOL! I am thinking of the best place to spend the summer heat...of course it would be with my whole family. My kids would really love the beach especially my youngest son that's why I'm thinking of Boracay! Well, aside from thinking of summer vacation, I'm also thinking of the new school year this coming June. Of course, education is the top priority that's why I'm saving a lot. About Birthdays....as early as now, I'm already thinking of my birthday gift to my youngest son who is turning 3 years old this July. He likes to collect hotwheels toy cars. Also thinking of birthday gift for my eldest son, Maki. He loves to collect cartridge for his Gameboy. There'll be no much thinking for the birthday gift to my daughter because her birthday was celebrated last January 8. We went out of town for swimming in All Hands Beach Resort Subic...

I'm also thinking of my wedding anniversary this August. hmmm....does anyone know a special place wherein my husband and I can celebrate just the two of us?..LOL!

So many more things to think about....I can't stop thinking....waaaahhh!!!

How about you? What are you thinking right now?????

Monday, January 19, 2009

Asthma in Children

This article can help moms out there on how to deal with their children with asthma.


Asthma in Children

Asthma is a common condition that causes coughing, wheezing, tightness of the chest and breathlessness. About two-thirds of all children who develop asthma will grow out of it, but left untreated asthma can cause permanent damage to the airways. Very rarely, a severe asthma attack can be fatal.

About asthma

About one in 10 children has asthma and it's the most common long-term medical condition.

Asthma is a condition where the airways become irritated and inflamed. As a result, they:

* become narrower
* produce extra mucus

This makes it more difficult for air to flow into and out of the lungs and causes the symptoms of asthma.

Symptoms of asthma

The symptoms of asthma may be mild, moderate or severe. They may include:

* coughing
* wheezing
* shortness of breath
* tightness in the chest

These symptoms tend to be variable and may stop and start. They are usually worse at night.

Causes of asthma

The exact cause of asthma isn't fully understood at present. Sometimes, the symptoms flare up for no obvious reason, but you may notice certain triggers that set off your child's asthma attack or make their symptoms worse. These triggers irritate the airways in your child's lungs and can include:

* infections such as colds and flu
* irritants such as dust, cigarette smoke, fumes and chemicals
* allergies to pollen, medicines, animals, house dust mites or certain foods
* exercise - especially in cold, dry air
* emotions - laughing or crying very hard can trigger symptoms, as can stress

Factors thought to increase a child's risk of developing asthma include those listed below.

* Asthma often runs in families and children can inherit the tendency to get inflamed airways. Children can also inherit the tendency to have allergies (this is called atopy), which increases the risk of developing asthma.
* Boys are more likely than girls to get asthma as a child.
* If you smoke when pregnant, your baby is more likely to get asthma. Children with parents who smoke around them are also more likely to get asthma.
Diagnosis of asthma

If you think your child has asthma, contact your GP for advice. He or she will ask about your child's symptoms and if you have noticed any factors that trigger the symptoms. Your GP will also do a physical examination, and may ask you about your child's medical history.

Your Doctor may also do one or more of the tests listed below.

* Depending on the age of your child, your doctor may use a device called a peak flow meter to help diagnose asthma. A peak flow meter measures how much, and how fast, air can be expelled from your child's lungs. This device can also be used to monitor whether a treatment is effective.
* A spirometry test can also measure how well your child's lungs are functioning but provides more detailed information than a peak flow meter.
* Other tests such as a chest X-ray may be done to make sure no other breathing problems are present.
* An allergy skin test may be done to find out whether your child is allergic to certain substances.

In children under five, diagnosis may be made if your child responds to asthma treatments.

Asthma attacks - what to do

In the event of an asthma attack you should:

* give your child his/her reliever treatment immediately, preferably with a spacer
* sit your child down (don't lie them down) and try to relax them
* wait five to 10 minutes - if the symptoms don't go away, you should call your GP or an ambulance but continue giving your child their reliever, preferably with a spacer, every few minutes until help arrives

If you go to hospital, take details of your child's treatments with you.

Visit your doctor after your child is discharged from hospital so you can review their treatment.

Living with asthma

Medicines are only part of the treatment for asthma. Asthma also needs to be managed by dealing with the things that make it worse. Identifying and avoiding the things that trigger your child's asthma are an essential part of their overall treatment plan.

Keeping a diary to record anything that triggers your child's asthma can help you to discover a pattern. Frequent occurrence of the following may help identify the trigger.

* Low readings on your child's peak flow meter.
* Disturbed sleep because of coughing or wheezing.
* Missed school or social activities.

The older your child, the more he or she will be able to understand and participate in his/her own asthma management. With good preventative measures and appropriate treatment, most children with asthma lead completely normal lives.

First pictures of Baby Roldz









Daniel Roldz was born on July 25, 2006 8:54 PM at Makati Medical Center

Friday, January 16, 2009

How I Met My Husband(Part 3)


It changes everything after the unforgettable date that we had. The text messages, calls and even our dates became frequent...LOL! I still remember when he was courting me....at first he was very stupid!(sigh)...but eventually he were able to expressed his feelings very well. Take note that, he was not only my suitor that time, I have had lots of suitors from different places and different sizes...in height I mean...LOL! But, my eyes were being focused on him...I knew that I was already INLOVE and finally decided to make it official.

The official announcement of my love for him was made on October 2000. It was one of the happiest day of my life....and still I am very very happy right now that our love story not just ended there but it goes on until now and I know that it will last forever. Right now, I am officially Mrs. Binuya, his wife and partner for life.

THE END.


I hope I was able to share my love story to bloggers out there. I know that this is just a short "love story" of my life but I am sure that some of you will somehow be inlove in the same way or most of you will be inlove in different ways.....God knows. God Bless!

Thursday, January 15, 2009

How I Met My Husband?(Part 2)



We later on became text mate after that not so good introduction. I did made some investigations about his personal information, family background, educational background and his financial status...LOL!. Since, he was able to passed on my basic standards, I accepted him to be my friend until I finally decided to meet him. Imagine, I was the one who invited him to go out with me!...LOL! Well, I just wanted to see him personally, if he was telling the truth about himself. We set up our meeting place in SM Megamall B inside the department store of the toy's section. You might be thinking, why i chose to meet him in the toy's section of the department store?...it's because I used to collect Gundam figures. I had plans to buy 1 or 2 Gundam figures that time but wasn't able to do so because he came early than expected..wow!....cool!...LOL! He introduced himself with warm smile on his face. I was not surprised by his looks when I first saw him because he had described himself what he really looks like....a not so tall man about 5'5" in height, brown color skin, small cute eyes and with dimples on his right cheek. I admit that I was being attracted by his eyes and smile.....but you know what?!... he was not really my type of guy. Before, I was attracted to tall, mestizo looks men but when I first saw him....I felt something very different....but I just kept it myself. We had our lunch in DAD'S Restaurant that took us 3 hours. I was able to discovered that he was a joker, indeed!..LOL! It was the start of knowing a very interesting and mysterious man.....end of Part 2.

Wednesday, January 14, 2009

How I Met My Husband(Part I)





Before I start telling the love story of our lives, I would like first to thank "Barry" because of the inspiration he had shared to his blogs.

PART I
How I met my husband? This is a very interesting and quite unique story that can be happen to anyone out there....It was 9 years ago when my husband was madly inlove to a girl named Rose during his college days in UP Diliman. He never missed calling Rose every night. He used to keep his cellphone under his pillow every after their conversation to linger the voice of Rose...LOL! Then, one midnight of June 2000 our romance started, when he accidentally rang my phone while sleeping. I thought it was just an emergency call from my boss or from my parents. I was so sleepy that time and never thought that aside from my parents and my boss, a stranger will disturbed me from sleeping. I answered the phone and I got mad and yelled Roldan(my husband) after I knew that it was a stranger calling me in the middle of the night. I told him not to do that again. But, on the next day it happened again and again on the next few days, it was like a cycle...over and over again...LOL! According to "HIM", that time he was not fully aware of the automatic keypad lock feature of his mobile phone....LOL!. The WAR had been started but not for long when he made an apology. He said, that it was an accident calling me because the number that was stored in his phone book was the number of his girl friend...LOL! Can you imagine that the telephone number(9249698)of the girl(Rose) and my mobile number were exactly the same?!!! The only difference was that my mobile number starts from 0917(globe) and add the number of the girl(9249698)then sum up you will end up to this mobile number = 0917-9249698(my first mobile number!). Before, if you call through your mobile phone and just type the 7 numbers without adding the mobile phone network, you will end up calling the same network of your mobile phone provider. One in a million chances but God lend us the way to meet and to somehow know each other.

End of Part I........

Tuesday, January 13, 2009

Hands-On Mother







For me, being a mother is the essence of a woman. And being the mother of three justifies my means of being a woman. I have 3 kids, 2 of them were already in the schooling years. I am very happy that I dont need to hire a private tutor to teach them...I am their tutor that's why my kids were one of the honor students of their class. You see, that is the reward of being a hands-on mother to your kids. You can guide them very very well in the right path. My youngest kid, a 2 y/o toddler is very naughty but smart. I know that he is happy that he can see me everyday. Eventhough I am a working mom, I can spend enough time for bonding because my work doesn't need to be away everyday. I can spend time bonding with my kids anytime that I want, I can work in the comfort of my own home and earn a rewarding big amount without the hassle and worries. It's great to be a mother of three and I love them very very much.