The primary purpose of most Summer Camps is to provide an environment for the educational or cultural development of children. At summer camps, participants are allowed to take healthy risks in a safe, controlled and nurturing environment.

For many Filipinos leaving in the United States, summer camps have become a tradition for their untraditional family. Every year, they bring their families, who grew up not knowing what their heritage was, to Filipino summer camps and immerse in the Filipino culture as well as get to know other Filipinos families.

Most of the time, the camp lasts for 3 days, but families often buy mementos of Filipino culture from the camp’s variety store. The time at the camp may be short, but everyone will agree that it has a lasting effect on their children that keeps them coming.

Like many traditional camps in the United States, Filipino summer camps have adult supervisors called counselors. These counselors are assigned to smaller groups of campers who participate in activities as a group. Counselors often share living accommodations with their bunk or other counselors.

To know more of local events in the community aside from summer camps, Filipinos abroad can check out the widget on the sidebar of this blog. Just type the zip code and a list of events will be provided, including useful details.

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Those who are familiar with life before the advent of the world-wide-web usually express what they feel by sending out a greeting card on special events to people they value. When Christmas season comes, these children of the 70’s and 80’s undeniably search out one of the finest greeting cards from the stores and mail it to relatives, friends, and loved-ones in order to share their happiness with them.

Christmas cards during those times are considered to be the most convenient, easy and fastest way of sending love bursts to anyone around the world. Love bursts on print have a special appeal to it because it serves as a reminder for the recipient that they are valued, remembered, treasured and significant in someone’s life. There are some who make a collection of christmas cards from special individuals. There are those who collect novelty Christmas cards, vintage Christmas cards and the like. Still, others make it their habit to respond with their own Christmas card filled with love bursts.

As a replacement for buying the Christmas cards from the stores, a few artistic people make their own card integrating all of their wonderful ideas and thoughts, and try to make an impression from their loved-ones with their innovation.

They are banking on the high possibility that the recipient of their homemade Christmas greeting cards will surely appreciate it a lot because these homemade cards reflect their genuine sincerity and affection. On the other hand, one must also realize that homemade cards require some time to complete while off the rack cards can be bought quickly from stores and shops. Therefore, it is imperative that people who are determined to make homemade greeting cards for Christmas will need some extra patience to get them done nice and right.

Fortunately, there is one site that makes it possible design a personalized Christmas cards in very simple steps by choosing from a variety of designs before turning it into photo Christmas cards by adding family photos, or any other pictures that will bring a smile to everyone's face.

Cardstore.com combines beautiful artwork, personalized greetings, and professional printing to help create tangible reminders of life's events, big and small. It allows custom creation of Christmas cards that are modern and unique (or even funny). Then once the customized Christmas card is finished, they will mail them out to the intended beneficiary.

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The rules of the credit card game in the U.S. is about to change, but just because the consumers know what are the changes does not mean they are going to like what they will learn.

When the first phase of the new Credit Card Accountability, Responsibility and Disclosure (CARD) Act goes into effect anytime this August 2009, credit card users will be armed with a new right to say no to - that is, opt out of - interest-rate increases and other changes in their credit card agreements. The aim of all the new rules is to make credit card contracts easier for consumers to understand. Previously, the disclosures on most credit card contracts were not considered by many as comprehensible to the average consumer.

Under the first phase of the new law, consumers must be given:

• At least 45 days' warning of changes to their credit card accounts. Currently, only 15 days' notice is required unless customers default on their accounts, in which case interest-rate increases can go into effect immediately.


• At least 21 days to pay their monthly credit card statements without threat of late fees.


• The right to opt out of interest-rate and fee increases and the right to cancel their accounts while paying off the balances under the old, lower interest rates. Currently, issuers offer opt-out options at their discretion, and it is not a consumer right.

Other aspects of the new credit card law - such as restrictions on interest-rate increases, bans on issuing and marketing credit cards to young adults, and regulations on gift cards - take effect in February 2010 and later. In addition, starting 1 July 2010, a host of requirements for disclosing fees, rates and terms on monthly statements, credit card applications and mailers will become law as a result of new rules drafted and approved by the Federal Reserve Board and other banking regulators.

Taken as a whole, the Credit CARD Act and upcoming federal rules mark a dramatic shift in how credit cards will be marketed, issued and billed. Card issuers will have to "dismantle their existing models and then rebuild them - just as a carmaker might have to completely redesign its models," Nessa Feddis, a vice president and senior counsel for the American Bankers Association, said last week during a media briefing.

She acknowledged that credit card issuers have cut credit limits, closed accounts and increased interest rates in anticipation of the changes.

The reason for these and other card maneuvers seen in recent months: Making such changes won't be so easy with the new restrictions. As a result, card issuers "have to basically front-load that risk, and risk equals cost," Feddis said

Other provisions that will go into effect include:

• Credit card issuers must inform card users of the right to cancel when they mail a 45-day notice of a change in terms. The notice must explain the steps cardholders can take to exercise their right to cancel, including a toll-free number to call and a deadline for opting out.


• Opting out means a consumer can no longer make purchases with the card. Instead, the old, lower interest rate or fee will be applied while the consumer repays the balance.


• There are exceptions to the opt-out rule. Consumers cannot opt out of increases in minimum-payment amounts.


• Another major exception is variable-rate credit cards, whose rates are tied to an index - almost always the prime rate. When the Federal Reserve raises interest rates, it raises the prime rate. Those increases are passed on to variable-rate cardholders; no opt-out is allowed. In recent months, card issuers have reacted by switching consumers from fixed-rate cards to variable-rate cards.


• Consumers who are more than 60 days late making payments do not have the right to reject rate increases.


• Reductions in credit limits cannot be rejected by any cardholders.


• Issuers cannot demand payment in full of outstanding balances or charge monthly maintenance fees on closed accounts if consumers reject changes in terms.

Other potential impacts of the new law: "Credit cards will be less available to consumers and to small businesses. Their limits will be lower, and they will pay more," Feddis said. "This 45-day advance notice means you can't change the rate on somebody even though they've become more risky," she added, noting the exceptions included in the law, namely, when the account has a variable rate, if a promotional or teaser rate is used or when the cardholder completes a workout debt-repayment plan.

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There is nothing like driving your own car to make you feel truly independent. There is a sense of freedom that comes with being able to roam the city or explore far-flung areas at your own will, at your own time.

Having the right car will let you thoroughly enjoy this feeling of independence. A car is a major investment so choosing the best set of wheels for you requires careful thought and planning.

First, identify your needs. Will you be using your car for your daily commute to work? Or will you be driving it mainly during weekends and out-of-town trips? What is your priority – style or comfort? Can you drive manual or automatic transmission? Will you be loading a lot of things in your car, or will you be driving people around? As you examine your lifestyle and assess your needs, you will be able to narrow down your car choices according to your priorities.

Second, do your research. Look into the cars that fit your requirements. Check the manufacturers’ websites to get the essential information on the cars. Log on to online automotive forums and car club sites, which may offer valuable tips and honest reviews on the cars you are interested in. If you can, test drive the cars to get a feel of the ride yourself.

Finally, set a budget and weigh your financing options. Take into account your salary, daily expenses, and savings so you can set a realistic budget. Consider a car loan, which can take the load off making such a major purchase. When availing a car loan, assess your financial capability: Do you have enough funds for the downpayment? How much of your salary can you use for monthly amortizations?

MetroCar, the car financing package of Metrobank, can finance as much as 80 percent of the net selling price of the vehicle, and offers different packages to meet specific needs. Wennie Oliveros, Metropolitan Bank & Trust Co. (Metrobank) senior vice president and head of the consumer lending group, says, "In line with our thrust of being the trusted partner of our clients, MetroCar addresses concerns on affordability and flexibility."

MetroCar offers flexible packages to meet specific needs. "Our rates are very competitive and borrowers have the option to choose repayment terms anywhere from 12 months to 60 months."

In addition to affordability and flexibility, MetroCar provides convenience to its borrowers. "We made loan repayments so much easier with several channels at our client’s convenience. A borrower can pay over the counter at any Metrobank branch, through auto debit from his or her Metrobank savings or checking account, or through issuance of post-dated checks."

Oliveros adds, "To help our clients acquire their dream cars easily, we offer more than an affordable and easy loan package. We are bringing back the MetroCar Great Rates Sale promo."

The MetroCar Great Rates Sale is the best time to buy a car with the MetroCar loan offering even lower interest rates. "From a very successful turnout of the first Sale two years ago, this is very timely given the low interest rates scenario and the new car models that just came out," Oliveros says.

Metrobank is the country’s premier universal bank. For more information about the MetroCar Great Rates Sale and other financing programs, visit any Metrobank branch or call 898-8540, 898-8502, or 898-8577, or log on to www.metrocargreatratessale.com.

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Any start-up company will have to undergo a process of selecting the best applicable dedicated hosting provider in the market. It will never be an easy job because there are literally hundreds of providers out there offering an array of services ranging from simple operating system packages to complicated data monitoring and back-up services. Fortunately, Web Hosting Geeks made the selection process a little bit easier.

Since every dedicated server customer has their own specific needs and requirements, it is often difficult to single out the provider that will suit them the best. Web Hosting Geeks provides information about the different types of hosting providers and rank the companies according to the best price-value ratio, host reliability, uptime, key features, bonus features, customer support, past and current user feedback, user-friendliness and hosting awards.

It does not always pay to choose what is the cheapest in the market. Some companies might offer the most affordable rates, but a closer look at it may reveal several defects on it hardware options, space, bandwidth and technical support. Hence, Web Hosting Geeks is providing start-up companies with the first screening process by providing a list of dedicated servers that will give the most reliability and flexibility at the right price.

It is also advisable for budding entrepreneurs to also do their research because getting that financially friendly, cheap dedicated web hosting plan may be easy through Web Hosting Geeks. However, there might be some specific hosting requirements that were not considered. For instance, a company may not really need a dedicated server. It is possible that an ordinary computer can act as a server and perform other functions as well.

The benefits of a dedicated web hosting can only be really appreciated when a company is involved in developing a complex business or a high-end e-commerce site that requires more space and security. It is usually used by entrepreneurs who want more control of their server. Some continue to rent it, while others purchase the hardware from the hosting company who then normally support and manage it.

Another useful feature of Web Hosting Geeks is a section where related topics are discussed and issues analyze to help readers learn more about hosting providers and e-commerce. For instance, the site gives readers some tips on how to succeed in e-commerce, chargeback defense strategies, problems in dealing with reverse domain name hijacking and some common misconceptions about managed hosting.

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Ever since the economy turned upside down as a result of the steepest economic slide in decades, the Detroit's automakers are seeking billions of dollars in government aid and asking the American Congress to help them survive.

And the lawmakers may give them what they want using the taxpayers' money for a simple reason: jobs.

However, the average American were not too keen on granting the top executives of General Motors Corp., Ford Motor Co. and Chrysler LLC, the requested rescue package after reading is several reports that the average hourly employee of the Big Three makes US$ 70.00 per hour.

This is really an awful lot of money. Seventy dollars an hour in wages works out to almost US$ 150,000 a year in gross income, assuming that there are forty-hours of work in a week.

According to Forbes, labor cost per hour, wages and benefits for hourly workers in 2006 are as follow:

• Ford: US$ 70.51 (US$ 141,020 per year)


• GM: US$ 73.26 (US$ 146,520 per year)


• Chrysler: US$ 75.86 (US$ 151,720 per year)

The rates of Toyota, Honda, Nissan (in U.S.) pegged at US$ 48.00 per hour or US$ 96,000 per year, paled in comparison. Even the average annual compensation for a college professor in 2006 was only US$ 92,973 (average salary nationally of US$ 73,207 + 27 percent benefits).

The average United Auto Workers (UAW) worker with a high school degree earns 57.6 percent more compensation than the average university professor with a Ph.D. (see graph above), and 52.6 percent more than the average worker at Toyota, Honda or Nissan.

Is it any wonder the Big Three are in trouble? And with auto workers making so much, why should taxpayers - many of whom make far less - finance a plan to bail them out?

Well, here's one reason: The figure is wildly misleading.

The New York Times debunks the claim that the Big Three auto workers earn more than US$ 70 an hour. That number really came from the car companies themselves during union negotiations, writes David Leonhardt, but it is not completely accurate since not all of that goes to the worker's pocket.

Here's how it breaks down:

• Cash: All the basics - wages, overtime and vacation pay - add up to US$ 40 an hour.


• Extras: Health insurance and pension costs total about US$ 15 an hour.


• Retiree benefits: These are fixed costs, and the Big Three have a huge pool of retirees out there, Leonhardt writes. They add up to about US$ 15 an hour.

This means that the true hourly salary for a union worker is about US$ 55. That is still about twice what the typical American worker makes. And it's about US$ 10 more than what a non-unionized worker at Honda or Toyota makes, Leonhardt writes.

"There is good reason to keep GM and Chrysler from collapsing in 2009. (Ford is in slightly better shape.) The economy is in the worst recession in a generation. You can think of the Detroit bailout as a relatively cost-effective form of stimulus. It’s often cheaper to keep workers in their jobs than to create new jobs."

But, he adds, the Big Three will have to get smaller to survive.

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When Starbucks was first conceptualized, its business was built as an anti-fast-food joint. Now, because of recession and growing competition, owners of the coffeehouse giant see the virtues of behaving more like its streamlined competitors.

Julie Jargon of The Wall Street Journal reported that under a new initiative being put into practice at its more than 11,000 U.S. stores, there will be no more bending over to scoop coffee from below the counter, no more idle moments waiting for expired coffee to drain and no more dillydallying at the pastry case.

Starbucks says the efforts are already helping its bottom line, as shown by quarterly results last month that beat analysts' expectations. Still, some baristas fear the drive will turn them into coffee-making automatons and take away some of the things that made the chain different.

Pushing Starbucks' drive is Scott Heydon, the company's 'vice president of lean thinking,' and a student of the Toyota production system, where lean manufacturing got its start.

Heydon and a 10-person 'lean team' have been going from region to region armed with a stopwatch and a Mr. Potato Head toy that they challenge managers to put together and re-box in less than 45 seconds.

Heydon says reducing waste will free up time for baristas - or 'partners,' as the company calls them - to interact with customers and improve the Starbucks experience. "Motion and work are two different things. Thirty percent of the partners' time is motion; the walking, reaching, bending," he says. He wants to lower that.

If Starbucks can reduce the time each employee spends making a drink, he says, the company could make more drinks with the same number of workers or have fewer workers.

Some say lean techniques aren't a panacea. "Those efficiencies only help when people come in the door," says Jeffrey Bernstein, a restaurant-industry analyst at Barclays Capital. "Broader economic pressures need to ease, and traffic needs to increase before they can benefit from those efforts." Transactions at Starbucks stores fell 4 percent in the most recent quarter.

Starbucks' efficiency quest is an example of how even premium brands are re-engineering how they do business amid an economic crisis. Unlike in boom times, offering ever-fancier products and opening new stores is no longer a recipe for growth.

The recession has resulted in a new thrift among consumers. In an April poll of 1,500 people, research company WSL Strategic Retail found 28 percent said they were putting more money into savings, up from 19 perent six months earlier.

The economy has forced Starbucks to plan for the closure of 900 stores, renegotiate rents and trim its number of bakery suppliers it uses. The company recently cut the price on 'grande' iced coffees, and began offering pairings of breakfast sandwiches and drinks for US$ 3.95.

The Seattle company is facing heightened competition from McDonald's and Dunkin' Brands trying to lure customers with new, cheaper specialty-coffee drinks.

All major fast-food chains use some kind of lean techniques, says Dennis Lombardi, executive vice president of food-service strategies at consulting company WD Partners. Dunkin' Donuts uses lean methods "everywhere from manufacturing to in-store organization and work flow," says Joe Scafido, chief creative and innovation officer for Dunkin' Brands. McDonald's declined to comment.

One of Starbucks' biggest expenses is store labor, which costs about US$ 2.5 billion, or 24 percent of revenue, annually. When the economy was strong, Starbucks added workers to handle an expanding menu. The company employed 176,000 people worldwide as of 28 September 2008.

"We continued to add things, but we'd never had a real pressure on us to look at an optimal way to do the work," says Cliff Burrows, president of Starbucks U.S. "Lean has helped us relook at what we do every day."

Starbucks declined to be specific about how much its moves could save.

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If you were wondering what America was going to do with all those Ford Explorers, wonder no longer. They are euthanizing them by the tens of thousands since the 'cash for clunkers' program or the Car Allowance Rebate System (CARS) went live.

Under the program, passenger car owners are eligible for a voucher worth US$ 3,500 if they trade in a drivable vehicle that got a combined city/highway mileage of 18 miles per gallon or less when it was new for a new car getting at least 22 mpg. Vouchers of US$ 4,500 are available for owners who trade in a passenger car that got 18 mpg or less combined for a model that gets at least 28 mpg.

Of the top 10 vehicles traded in since late July 2009, six are different model years of the once-ubiquitous Explorer, according to data collected by the Department of Transportation and reported by the Jalopnik automotive blog and several wire reports. Lumped together by nameplate rather than model years, its death-row companions include the big Ford F-150 and Chevrolet C1500 pickups, the Chevrolet Blazer SUV, the Jeep Cherokee and Grand Cherokee, plus the Dodge Caravan and Ford Windstar minivans.

The Explorer was for several years America's best-selling passenger vehicle, with more than 400,000 a year leaving showrooms in the late 1990s. The most-popular versions got around 15 miles per gallon.

As gas prices have risen and the fortunes of all SUVs dimmed, the Explorer fell on hard times, outsold in recent years by even the Toyota Prius. And now, the prospect of up to US$ 4,500 toward a new car has led thousands of owners to dig out the keys to the family workhorse for one final ride.

Though all trade-in vehicles must be in drivable condition, dealers are required to disable the vehicles' engines before scrapping them, using a lethal injection of sodium silicate to replace the oil. The car is started and revved to at least 2,000 rpm until the engine stops, from three to seven minutes.

The analysis of the first 157,000 or so transactions under CARS, also revealed that the most-purchased new car was the Ford Focus, which gets an average of 28 mpg. The Transportation Department said the average mileage for cars to be scrapped under the program was 15.8; average mileage for their shiny replacements was 25.4 mpg.

For a car owner driving 15,000 miles a year and swapping vehicles achieving that fuel-economy average, the savings would be 384 gallons a year, about US$ 1,150 at US$ 3 a gallon.

Even just a week of cash for clunkers was enough to slow the dramatic, yearlong free fall in car sales. July was General Motors' best month so far this year, down just 19.4 percent over July 2008. Chrysler dropped only 9 percent - a relief compared with declines of as much as 50 percent in recent months. Of course, its offer to match a clunker rebate with a US$ 4,500 check of its own helped a lot.

Sales at Ford Motor, benefiting from an emphasis on its smaller cars and its Detroit rivals' bankruptcies, rose 2 percent.

"Cash for clunkers put us over the top," said George Pipas, Ford's chief sales analyst. "Lots of traffic, lots of sales."

As of 3 August 2009, US$ 563.8 million worth of rebates had been processed through the government program, representing 133,767 new vehicles, the U.S. Department of Transportation said. A backlog of applications is expected to consume the balance of the US$ 1 billion already set aside. Proposals to add an additional US$ 2 billion to the program are working their way through Congress, enough to spur the purchase of about 500,000 more vehicles.

"This is the one stimulus program that seems to be working better than just about any other program. It's a lifeline for automobile workers and automobile makers," Transportation Secretary Ray LaHood told CNBC.

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According to GMANews.TV, the Philippine Stock Exchange (PSE) opened the trading week with a prayer tribute on both Makati and Pasig trading floors to former President Corazon C. Aquino who died on Saturday (1 August 2009) after her battle with colon cancer.

Employees and stock brokers on both trading floors offered prayers for the former president before the bourse began trading at 9:30 A.M. on Monday (3 August 2009).

PSE President and Chief Executive Officer Francis Lim led the prayer tribute on the Tektite trading floor in Pasig while PSE chief operating officer Roy Rafols headed the prayer ceremony on the Ayala floor in Makati.

"Mrs. Aquino was a symbol of unity and freedom. We at the PSE are grateful to her for keeping the faith in democracy alive. Her leadership of democratic change planted the seeds for a stronger Philippine capital market," Lim said in a statement.

During Mrs. Aquino’s term as President, she enacted significant pieces of legislation such as the Omnibus Investments Code and the Foreign Investments Act which sought to increase investments in the country.

"The PSE community fondly recalls that after she assumed the Presidency in 1986, renewed hope and investor confidence in our stock market immediately returned," Lim said.

After re-opening in the last week of February after the EDSA Revolution, value of transactions consequently increased ten-fold in March 1986 at PhP 100 million from a one month low of P10 million in July 1985.

"After the February 1986 People’s Revolution at EDSA all the way to the close of the year, the stock market sustained its bull momentum from the first day of trading. By the end of 1986, the market’s spectacular recovery was its best performance since the boom in 1976, snapping a decade-long slump," Lim recounted.

The PSE also said there will be no trading on Wednesday as it joins the whole nation in prayer for the burial of the former president.

For its part, Malacañang has declared 5 August a special non-working holiday for the funeral of Mrs. Aquino.

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It was reported over the weekend that Former Philippine President Corazon Aquino, icon of people power in the Philippines and around the world, passed away at 3:18 a.m. Saturday (1 August 2009). Her son, Senator Benigno Aquino III, said that the official cause of death was cardiorespiratory arrest.

The 76-year-old Aquino was diagnosed with colon cancer in March of last year and was treated with chemotherapy. Last May, she underwent surgery to remove parts of her colon and was brought to the Makati Medical Center in June due to loss of appetite. She never left the hospital, as her declining condition sparked a wave of emotion in the country and prompted the widespread appearance of yellow ribbons - on trees, car antennas, and even the Web.

Senator Aquino informed everyone that, "She would have wanted us to thank each and everyone of you for all your continued love and support. It was her wish for all of us to pray for one another and for our country. Hinihiling ng aming pamilya ng kaunting panahon para makasama ang aming ina."

Dressed in her signature yellow, Mrs. Aquino rallied the middle class in a series of protests culminating in the 1986 people power revolt that toppled the 20-year regime of strongman Ferdinand Marcos and swept her to the presidency.

She blamed the Marcos government for the assassination of her husband, opposition leader Benigno 'Ninoy' Aquino Jr., who was gunned down at the Manila airport upon returning from exile in 1983.

The former housewife reluctantly took over as Marcos’ main challenger, becoming an international icon of democracy after her victory sparked a wave of pro-democracy movements around the world. Time Magazine named Mrs. Aquino its Woman of the Year in 1986.

After her presidency, Mrs. Aquino retired to private life. She took an active interest in painting, with flowers and women as subjects, and joined various art exhibits to raise funds for her advocacies: the Senator Benigno S. Aquino, Jr. Foundation, PinoyMe, ASA Foundation, and People Power People.

But she remained an influential figure in Philippine politics, lending her presence to political causes that needed her iconic stature.

Bloggers can show their sympathy to the family and their tribute to the passing of a great leader by posting a 125x125 yellow ribbon avatar on their site just like the one posted on the sidebar and after this paragraph. Copy the codes below for those who just want to copy and paste it on their blogs.

<a href="http://politekon.blogspot.com/2009/08/salamat-cory-aquino.html" target="_blank"><img src="http://i211.photobucket.com/albums/bb55/Sparhawk_photo/Seek%20Banners/CoryAquino_YellowRibbon.jpg" border="0" alt="YellowRibbon"></a>

(This writer would like to extend its heartfelt condolences to the whole Aquino Family. Tita Cory has been an inspiration for everyone and I am happy and privileged to have experienced living in a democratic country under her leadership.)

Ruby Anne M. Rubio of GMANews.TV reported that the Bangko Sentral ng Pilipinas (BSP) will introduce the first credit surety funds in Mindanao, which will guarantee loans of micro, small and medium enterprises (MSMEs) from banks in lieu of collateral.

The report also mentioned that the central bank will forge a memorandum of agreement with the provincial governments of Davao del Norte and Compostela Valley with the launching of Davao del Norte Credit Surety Fund (DavNor CSF) and Compostela Valley Koopnegosyo Surety Fund (ComVal KSF).

Created from contributions by well-capitalized and well-managed cooperatives, the credit surety fund will have a counterpart contribution from the provincial government and other donors.

"The credit surety fund program was conceptualized by the BSP to increase the flow of credit in the countryside and to highlight the significant role of micro, small and medium enterprises (MSMEs) not only in countryside development but as drivers of the Philippine economy as well," the BSP said.

The credit surety fund will serve as credit enhancement mechanism for MSMEs who are members of cooperatives to be able to access formal credit sources such as from banks.

"It is expected to perk up lending activities in the provinces which in turn will stimulate business and economic activities in the area, create job opportunities and increase the local government's revenues in the form of taxes and fees," the BSP added.

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