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	<title>Pinay Mommy Online</title>
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	<link>http://www.pinaymommyonline.com</link>
	<description>A Work at Home Mom, a Full-time Blogger, a Wordpress Enthusiast, an Online and Offline Consumer, a Bookworm and MORE!</description>
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		<title>Top 10 Commentators for January 2012</title>
		<link>http://www.pinaymommyonline.com/top-10-commentators-for-january-2012/</link>
		<comments>http://www.pinaymommyonline.com/top-10-commentators-for-january-2012/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 15:05:57 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[announcement]]></category>
		<category><![CDATA[gratitude]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7866</guid>
		<description><![CDATA[Another month has ended and I want to thank my awesome Top 10 Commentators for the Month of January 2012!! Thank you for making my January 2012 a happy one!! As promised, I will always feature my top 10 and give them the linky love!!! Thank you so much guys!!!  Sherry (210)  Donna Jane Marcuap [...]]]></description>
			<content:encoded><![CDATA[<p>Another month has ended and I want to thank my awesome Top 10 Commentators for the Month of January 2012!! Thank you for making my January 2012 a happy one!!</p>
<p style="text-align: center;"><img class="alignnone size-full wp-image-7870" title="thank you" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/02/thankyou.gif" alt="" width="312" height="312" /></p>
<p><span id="more-7866"></span>As promised, I will always feature my top 10 and give them the linky love!!! Thank you so much guys!!!</p>
<ul>
<li><img title="Sherry" src="http://www.gravatar.com/avatar.php?gravatar_id=b0e5a3b5342707e7631981c63059c914&amp;size=16&amp;default=mm" alt="Sherry" /> Sherry (210)<img title="Top Commentator Award" src="https://lh3.googleusercontent.com/_gE22WSc7tcQ/TVZOTOGQ66I/AAAAAAAAABg/1mAYCyHmMpw/s800/medal_icon.jpg" alt="Top Commentator Award" /></li>
<li><a href="http://www.sleeplessgal.com/" target="_blank"><img title="Donna Jane Marcuap" src="http://www.gravatar.com/avatar.php?gravatar_id=f54ec969c4ee9347f188f35615571fdb&amp;size=16&amp;default=mm" alt="Donna Jane Marcuap" /> Donna Jane Marcuap (140)</a><img title="Top Commentator Award" src="https://lh3.googleusercontent.com/_gE22WSc7tcQ/TVZOTOGQ66I/AAAAAAAAABg/1mAYCyHmMpw/s800/medal_icon.jpg" alt="Top Commentator Award" /></li>
<li><a href="http://kissmi.info/" target="_blank"><img title="Sherry" src="http://www.gravatar.com/avatar.php?gravatar_id=cc4a5e88ee946f15e0cae4362864ba33&amp;size=16&amp;default=mm" alt="Sherry" /> Sherry (23)</a><img title="Top Commentator Award" src="https://lh3.googleusercontent.com/_gE22WSc7tcQ/TVZOTOGQ66I/AAAAAAAAABg/1mAYCyHmMpw/s800/medal_icon.jpg" alt="Top Commentator Award" /></li>
<li><a href="http://www.greeneggsandmoms.com/" target="_blank"><img title="AnneM" src="http://www.gravatar.com/avatar.php?gravatar_id=cf963623ae974092df0cc02daa973b92&amp;size=16&amp;default=mm" alt="AnneM" /> AnneM (10)</a><img title="Top Commentator Award" src="https://lh3.googleusercontent.com/_gE22WSc7tcQ/TVZOTOGQ66I/AAAAAAAAABg/1mAYCyHmMpw/s800/medal_icon.jpg" alt="Top Commentator Award" /></li>
<li><a href="http://www.gastritisblog.com/" target="_blank"><img title="Gastritis Blog" src="http://www.gravatar.com/avatar.php?gravatar_id=8d1234e53b33b513a6af5f1f41001450&amp;size=16&amp;default=mm" alt="Gastritis Blog" /> Gastritis Blog (7)</a></li>
<li><a href="http://momayes.blogspot.com/" target="_blank"><img title="Maye Domencil" src="http://www.gravatar.com/avatar.php?gravatar_id=199001894de6cc86016f0f90cbf1eb17&amp;size=16&amp;default=mm" alt="Maye Domencil" /> Maye Domencil (5)</a></li>
<li><a href="http://makemoneyonlineatclixsense.blogspot.com/" target="_blank"><img title="rcayao" src="http://www.gravatar.com/avatar.php?gravatar_id=603c4d430bc20196796775bdc11df471&amp;size=16&amp;default=mm" alt="rcayao" /> rcayao (4)</a></li>
<li><a href="http://www.tinacorsame.com/" target="_blank"><img title="Tina" src="http://www.gravatar.com/avatar.php?gravatar_id=9bd2b851562346c39f37b392fa43902e&amp;size=16&amp;default=mm" alt="Tina" /> Tina (4)</a></li>
<li><a href="http://battlingasthma.info/" target="_blank"><img title="c5 @ battlingasthma.info" src="http://www.gravatar.com/avatar.php?gravatar_id=91292c6968e863483bf509be9f75b17a&amp;size=16&amp;default=mm" alt="c5 @ battlingasthma.info" /> Battling Asthma (3)</a></li>
<li><a href="http://www.getitfresh.blogspot.com/" target="_blank"><img title="cathy" src="http://www.gravatar.com/avatar.php?gravatar_id=33b1fe56faa198eb06da82cf1d3791aa&amp;size=16&amp;default=mm" alt="cathy" /> cathy (3)</a></li>
</ul>
<p>Now for my Top 1, Ms. Sherry, as promised, I am going to send you a Top Commentator&#8217;s Gift!! So click on my <a href="http://www.pinaymommyonline.com/contact/">contact form</a> now and give me your complete name and address!!! Weeeehhhh!!!!</p>
<p>For those who did not made it to Top 1, you still have 11 months to get a chance to win a surprise gift from me!!</p>
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			<wfw:commentRss>http://www.pinaymommyonline.com/top-10-commentators-for-january-2012/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
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		<item>
		<title>Win a Personalized Puzzle from Piczzle!!</title>
		<link>http://www.pinaymommyonline.com/win-a-personalized-puzzle-from-piczzle/</link>
		<comments>http://www.pinaymommyonline.com/win-a-personalized-puzzle-from-piczzle/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 21:56:05 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[giveaways]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7859</guid>
		<description><![CDATA[I am sure you have read about my review on Piczzle Picture Puzzle and I know you want to have one too! Now, this is the time you can own one for yourself for FREE!! Yes, you heard me right! You can WIN one!! To win one, all you have to do is fulfill the [...]]]></description>
			<content:encoded><![CDATA[<p>I am sure you have read about my <a href="http://www.pinaymommyonline.com/personalized-picture-puzzle-from-piczzle/">review on Piczzle Picture Puzzle</a> and I know you want to have one too! Now, this is the time you can own one for yourself for FREE!! Yes, you heard me right! You can WIN one!!</p>
<p style="text-align: center;"><img class="alignnone size-full wp-image-7860" title="piczzle" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/piczzlelogo.jpg" alt="" width="304" height="76" /></p>
<p><span id="more-7859"></span></p>
<p style="text-align: center;"><img class="alignnone size-full wp-image-7852" title="Piczzle Picture Puzzle" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/Reviews2.png" alt="" width="400" height="533" /></p>
<p>To win one, all you have to do is fulfill the following:<br />
- Like “<a href="http://www.facebook.com/PinayMommyOnline" target="_blank">Pinay Mommy Online Fan Page</a>” because I will announce the winner there.<br />
- Like “<a href="http://www.facebook.com/Piczzle" target="_blank">Piczzle Fan Page</a>” to show our sponsor some love.<br />
- Go to <a href="http://www.piczzle.com" target="_blank">www.piczzle.com</a> and check out the awesome puzzles they offer. Come back here and make a comment on what type of puzzle is your favorite and if ever you win, whose photo you are going to have Piczzle printed. Don’t forget to comment with your Facebook Name and Email.</p>
<p>Easy peasy right?! So, what are you waiting for! Head now to <strong>www.piczzle.com</strong> today!</p>
<p>There will be one winner of personalized puzzle from Piczzle. Giveaway starts today (January 31, 2012) and will end on February 14, 2012. This giveaway is open worldwide. Winners will be announced here and at my Facebook Fan Page!</p>
]]></content:encoded>
			<wfw:commentRss>http://www.pinaymommyonline.com/win-a-personalized-puzzle-from-piczzle/feed/</wfw:commentRss>
		<slash:comments>42</slash:comments>
		</item>
		<item>
		<title>Personalized Picture Puzzle from Piczzle!!</title>
		<link>http://www.pinaymommyonline.com/personalized-picture-puzzle-from-piczzle/</link>
		<comments>http://www.pinaymommyonline.com/personalized-picture-puzzle-from-piczzle/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 23:10:12 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[personalize products]]></category>
		<category><![CDATA[reviews]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7850</guid>
		<description><![CDATA[Last Saturday was our 12th Wedding Anniversary and we had one of the most memorable dates ever! But I am not going to talk about our date but how we started the first hours of our anniversary day. What so important? Well, nothing really except the fact that my husband and I played a puzzle! [...]]]></description>
			<content:encoded><![CDATA[<p>Last Saturday was our 12th Wedding Anniversary and we had one of the most memorable dates ever! But I am not going to talk about our date but how we started the first hours of our anniversary day. What so important? Well, nothing really except the fact that my husband and I played a puzzle! Not an ordinary game puzzle but a 100 pieces puzzle that has our faces on it!! Yep, that is right!! We celebrated the first hours of our 12th Wedding Anniversary Day solving a 100 pieces puzzle of our face!! Thanks to Piczzle!!</p>
<p style="text-align: center;"><img class="alignnone size-full wp-image-7853" title="Piczzle Picture Puzzle" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/Reviews3.png" alt="" width="400" height="300" /></p>
<p><span id="more-7850"></span>Piczzle, a premier internet-based sale and manufacturing service of Jigsaw Puzzles, sent us a picture puzzle of ourselves to review. It arrived last year but since we were moving and adjusting back to our new/old place, I was not able to review immediately. And since I got more free time to browse on my pending reviews this year, it was so timely that my husband and I celebrated with Piczzle Picture Puzzle!!</p>
<p style="text-align: center;"><img class="alignnone size-full wp-image-7851" title="Piczzle Picture Puzzle" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/Reviews1.png" alt="" width="400" height="300" /></p>
<p>This 100-piece picture puzzle of our faces arrived in a durable box. The puzzle pieces are of durable quality too. They are thick, well-cut and the picture was printed in full High Quality picture resolution. Personally, I love their puzzles. Aside from the fact that you can personalize it with your own picture and design, the thought of preserving wonderful memories of family and friends is definitely awesome! Imagine playing the same puzzles when my husband and I will celebrate our 50th Wedding Anniversary!!</p>
<p style="text-align: center;"><img class="alignnone size-full wp-image-7852" title="Piczzle Picture Puzzle" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/Reviews2.png" alt="" width="400" height="533" /></p>
<p>Piczzle offers two kinds of puzzles, made of cardboard, the one we had, and wooden puzzles. They also come in three sizes: rectangular, heart and circle, and of different quantity depending on the size of the puzzle. So the price is depending on what you want. The picture puzzle is highly customizable and prices can range from $14.99 to $399.99! They accept all major credit cards and Paypal too. Shipping is worldwide!!</p>
<p>Piczzle Picture Puzzles are ideal for gifts and giveaways especially on special occasion. Like for us, it served as an anniversary gift. Since Valentine’s Day is fast approaching, why not order yourself a picture puzzle for you and your sweetheart? It will be a nice and interactive way of starting a romantic date!</p>
<p>Just a tip, when you order a picture puzzle, avoid pictures with dark backgrounds. It took us more than 30 minutes to solve ours because of the black background. Choose colorful ones for beauty and also some added excitement and challenge!</p>
<p>To check out more, you can visit their website at <a href="http://www.piczzle.com/" target="_blank">www.piczzle.com</a> and like there Facebook Fan Page at <a href="http://www.facebook.com/Piczzle" target="_blank">www.facebook.com/Piczzle</a> today!</p>
<p>I received one or more of the products mentioned above for free using <a href="http://www.tomoson.com/?code=BOTTOMb4c74040b62c64f722f4fa252d395a81" rel="nofollow">Tomoson.com</a>. Regardless, I only recommend products or services I use personally and believe will be good for my readers.</p>
]]></content:encoded>
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		<slash:comments>57</slash:comments>
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		<item>
		<title>The Ajinomoto 3rd Umami Culinary Challenge Winners</title>
		<link>http://www.pinaymommyonline.com/the-ajinomoto-3rd-umami-culinary-challenge-winners/</link>
		<comments>http://www.pinaymommyonline.com/the-ajinomoto-3rd-umami-culinary-challenge-winners/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 10:24:19 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[press release]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7841</guid>
		<description><![CDATA[Honestly, I am not the perfect woman of the house. As a mom and wife, I consider myself as an on-the-job trainee when it comes to cooking but thanks to Ajinomoto and all their wondrous products, all I can say is that I am a budding chef in my own home (next to my husband [...]]]></description>
			<content:encoded><![CDATA[<p>Honestly, I am not the perfect woman of the house. As a mom and wife, I consider myself as an on-the-job trainee when it comes to cooking but thanks to Ajinomoto and all their wondrous products, all I can say is that I am a budding chef in my own home (next to my husband that is, LOL)!!!</p>
<p style="text-align: center;"><img class="alignnone size-full wp-image-7844" title="the Ajinomoto 3rd Umami Culinary Challenge" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/EventPoster2.jpg" alt="" width="600" /></p>
<p><span id="more-7841"></span>Anyway, since I am a member of PR Moms Network, I was informed about the leading culinary competition for aspiring Filipino chefs named as “the <strong>Ajinomoto 3rd Umami Culinary Challenge</strong> (3rd UCC): Battle for the Umami Bowl” last January 20, 2012 at the SMX Convention Center. It was one of the sought after events when it comes to culinary competitions especially between schools. Sadly, I was not able to attend due to geographical issues; I am from Cagayan de Oro City. If I were in Manila, I would have loved to attend the event especially I love to watch exceptional skills in cooking!</p>
<p>Anyway, the event was well-attended and those who displayed their extraordinary cooking skills were awarded accordingly.</p>
<p style="text-align: center;"><img class="alignnone size-large wp-image-7843" title="Food Entries" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/umami-foodentries-1024x680.jpg" alt="" width="600" /></p>
<p>Here are the winners of the Ajinomoto 3rd Umami Culinary Challenge (3rd UCC): Battle for the Umami Bowl:</p>
<p><strong>Challenge: Umami Bowl Award and Dr. Ikeda Award for Umami Feature Writing Contest</strong><br />
Winner: Miriam College</p>
<p style="text-align: center;"><img title="Umami Winner Miriam College" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/umami-miriamcollege-1024x680.jpg" alt="" width="600" /></p>
<p style="text-align: center;"><em>Umami Bowl Winner Miriam College with presenters (from left to right) Ajinomoto Director Mr. Takashi Sakurai, Ajinomoto President Mr. Taro Fujie, 3rd UCC Head Chef Russell Bautista, 3rd UCC Competition Director Ms. Nancy Reyes-Lumen, Judge and Cooking Demonstrator Chef Rosebud Benitez.</em></p>
<p><strong>Challenge: Umami Master Title</strong><br />
Winner: Mr. John Paul Ventura of Jose Rizal University</p>
<p><strong>Challenge: Umami Bento and Mystery Umami Ingredient Categories</strong><br />
Winner: Lyceum of the Philippines Manila</p>
<p><strong>Challenge: First Place in Amazing AJI-GINISA Race and the Umami Buzz Jeopardy Challenge</strong><br />
Winner: Centro Escolar University</p>
<p><strong>Challenge: First Place in Prep, Shake and TakTakTak competition</strong><br />
Winner: Trinity University of Asia</p>
<p><strong>Challenge: Plate-My-Dish competition and Appetite Magazine’s Capture Umami Challenge (Food Photography Contest)</strong><br />
Winner: De La Salle Araneta University</p>
<p><strong>Challenge: “Media’s Choice for Best Plated Umami Bento”</strong><br />
Winner: College of the Holy Spirit</p>
<p><strong>Top three (3) culinary schools in 5-Ingredient-Umami-Healthy Dish competition:</strong><br />
1. Global City Innovative College<br />
2. American Hospitality Academy<br />
3. MOST Institute Culinary School</p>
<p>Cash prizes, medals and various cooking implements from Ajinomoto and other valued event sponsors namely Elba, Whirlpool/Fujidenso, PR Gaz, Meat and Livestock Australia, Masflex and Appetite Magazine where given to the winners of the Ajinomoto 3rd Umami Culinary Challenge. To grace the event were media partners from GMA 7, Philippine Daily Inquirer and <strong>PR Moms Network</strong>.</p>
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			<wfw:commentRss>http://www.pinaymommyonline.com/the-ajinomoto-3rd-umami-culinary-challenge-winners/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
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		<item>
		<title>The Grendha Woman in Me</title>
		<link>http://www.pinaymommyonline.com/the-grendha-woman-in-me/</link>
		<comments>http://www.pinaymommyonline.com/the-grendha-woman-in-me/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 07:52:10 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[fashion]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7830</guid>
		<description><![CDATA[During my childhood years, I dreamt of becoming a fashion model but eventually I ended up as a stay at home blogger! Anyway, there is nothing wrong about it except the fact that I only have my pajamas as my working clothes. Gone were the times where I go to work wearing stylish and fashionable [...]]]></description>
			<content:encoded><![CDATA[<p>During my childhood years, I dreamt of becoming a fashion model but eventually I ended up as a stay at home blogger! Anyway, there is nothing wrong about it except the fact that I only have my pajamas as my working clothes. Gone were the times where I go to work wearing stylish and fashionable clothes and wearing make-up too. But of course, I decided not to stop and eventually continue being fashionable at my own pace and time. I do dress-up (at home, wherelse)!!</p>
<p>Speaking of dressing up, I just did a while ago with the help of my new pair of sandals from Grendha Philippines!! They sent me this fashionably cute golden brown sandal!! Isn’t it lovely?!!</p>
<p><img class="alignnone size-large wp-image-7831" title="Grendha Sandals" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/grendhasandals-782x1024.jpg" alt="" width="600" /><span id="more-7830"></span></p>
<p><img class="alignleft size-medium wp-image-7832" title="fashion momma" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/fashionmomma-148x300.jpg" alt="" width="145" />To be honest, this is my first pair of Grendha Jelly Sandals and I think this will not be the last of it. I like how the sandal feels on my feet. They are soft and light. You can easily move &#8211; a perfect sandal for a mom who wants to wear and go without sacrificing fashion and comfort!</p>
<p>As of now, I am already checking out my second (&#8230; third &#8230; forth) pair at their Facebook Fan Page!!! I can&#8217;t make up my mind with all the beautiful designs they have. Waaaahhh!!</p>
<p>By the way, Grendha does not only cater fashionable women but also kids and babies. They have lots of designs and colors to choose from. So I suggest you get a pair of Grendha Sandals and Shoes and see the difference! They are available in different SM Malls and stores nationwide. To know more of their latest designs, like their Fan Page, <a href="http://www.facebook.com/GrendhaPhilippines" target="_blank">Grendha Philippines at Facebook</a>, or visit their website at <a href="http://www.grendhaphils.com/" target="_blank">www.grendhaphils.com</a>!</p>
]]></content:encoded>
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		<slash:comments>72</slash:comments>
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		<item>
		<title>Vancouver Hotel That Treats Your Dog Special</title>
		<link>http://www.pinaymommyonline.com/vancouver-hotel-that-treats-your-dog-special/</link>
		<comments>http://www.pinaymommyonline.com/vancouver-hotel-that-treats-your-dog-special/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 08:10:32 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[travel]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7826</guid>
		<description><![CDATA[It is very rare that a hotel will allow pets into their vicinity. With Loden hotel, though, your dog is treated special, with its own custom bed and dishes and freshly baked treats. The latest issue of The Modern Dog magazine is also provided. Of course, also the cleanup kit. If your dog gets special [...]]]></description>
			<content:encoded><![CDATA[<p>It is very rare that a hotel will allow pets into their vicinity. With Loden hotel, though, your dog is treated special, with its own custom bed and dishes and freshly baked treats. The latest issue of The Modern Dog magazine is also provided. Of course, also the cleanup kit.</p>
<p><span id="more-7826"></span></p>
<p>If your dog gets special treatment, how much the people who brought the dog in? Located in Coal Harbour which is the most sought after community at downtown Vancouver, the luxurious <a href="http://theloden.com/">Vancouver hotel</a> is inspired by mountains, seas and forests. The floor to ceiling windows can make you behold the beauty of the outside mountains and waterways. Only the best of linens and lots of pillows to embrace while sleeping, you can dream the sweetest of dreams. Enjoy the deep-soaking bath tub and the European finish of sinks and fixtures. There is a separate shower for others who cannot wait or interrupt your dip. Each room has a large flat screen tv with ceiling speakers. You also can enjoy your personal fully-stocked bar.</p>
<p>Housekeeping is done twice a day. You can also go to the gym any time of the day or night, have your private car service and complimentary cruiser bike. It&#8217;s pampering to the max!</p>
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			<wfw:commentRss>http://www.pinaymommyonline.com/vancouver-hotel-that-treats-your-dog-special/feed/</wfw:commentRss>
		<slash:comments>26</slash:comments>
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		<title>Self Directed IRA</title>
		<link>http://www.pinaymommyonline.com/self-directed-ira/</link>
		<comments>http://www.pinaymommyonline.com/self-directed-ira/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 22:04:25 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[finances]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7824</guid>
		<description><![CDATA[An IRA or Individual Retirement Account is one&#8217;s financing security when he or she retires. A self directed IRA is owning of a Limited Liability Company (LLC) which becomes the ICO (Individual COmpany, a combination of the IRA and LLC). Funds from the IRA can actually be legally transfered to the ICO exchanging with the [...]]]></description>
			<content:encoded><![CDATA[<p>An IRA or Individual Retirement Account is one&#8217;s financing security when he or she retires. A self directed IRA is owning of a Limited Liability Company (LLC) which becomes the ICO (Individual COmpany, a combination of the IRA and LLC). Funds from the IRA can actually be legally transfered to the ICO exchanging with the unit shares of the ICO. With this, one can buy a real estate property with a lower cost because of the deferred capital gains through the IRA. The downpayment can be financed by the IRA through the ICO.</p>
<p><span id="more-7824"></span></p>
<p>Being the owner of the ICO makes you to manage it, even the checkbook, that is why it is called &#8220;self directed.&#8221; You decide on your own ICO assets. Without the ICO, the IRA does not have the power of transacting. The real beauty of this arrangement is that you only pay a flat fee for the IRA custodian because you are in control of your ICO. It is a lot less cheaper than buying your real estate property the traditional way. Securities and other assets can also apply.</p>
<p>Conclusion, if you like more value for your retirement fund, go for owning an ICO so you can have a <a href="http://www.nafep.com/ICO/self_directed_ira.htm" target="_blank">self directed IRA</a>.</p>
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		<slash:comments>5</slash:comments>
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		<title>A Woman&#8217;s Treasure</title>
		<link>http://www.pinaymommyonline.com/a-womans-treasure/</link>
		<comments>http://www.pinaymommyonline.com/a-womans-treasure/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 14:51:35 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[gems and jewelries]]></category>
		<category><![CDATA[gratitude]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7816</guid>
		<description><![CDATA[Like me, most women hold in their chests a bunch of man-made trinkets. What I meant as chest is the familiar ‘jewelry box’ but warmly taken, ‘heart’ could be a perfect word substitute because everything inside the treasure box is collected for the love of this treasure. Cramped inside my treasure chest are string pearl [...]]]></description>
			<content:encoded><![CDATA[<p>Like me, most women hold in their chests a bunch of man-made trinkets. What I meant as chest is the familiar ‘jewelry box’ but warmly taken, ‘heart’ could be a perfect word substitute because everything inside the treasure box is collected for the love of this treasure. Cramped inside my treasure chest are string pearl necklaces, something that I’m sure taking most of the space of other women’s treasure chests as well.</p>
<p style="text-align: center;"><img class="alignnone size-full wp-image-7817" title="pearls" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/culturedpearls.jpg" alt="" width="500" height="375" /></p>
<p><span id="more-7816"></span><br />
Pearl is the only gem created by a life form or specifically by sea water and fresh water clams. <strong>Cultured pearls</strong> don’t get far behind their rare, natural and expensive counterparts. They are made the same way and by the same pearl-maker only that they are seeded. Man placed the irritant to cause the clam to form the pearls. It was the Japenese pearl aficionado Kokichi Mikimoto we owe this technology to. He successfully cultured whole Akoya pearls in the early 1900’s, and founded the modern cultured pearl industry. Since then, pearls are in abundance satisfying the cravings of many like me.</p>
<p>Thanks to <strong>Diva Fabulosa</strong>, an awesome <a href="http://www.divafabulosa.com/">fashion blog</a>, who gave me pearls from Palawan Island. Thank you so much Mommy Jade!! Check out her other awesome blogs:  <a href="http://www.gownsandheels.com/" target="_blank">Gowns and Heels</a>, <a href="http://beautyandfashiondiva.com/" target="_blank">Beauty and Fashion Diva</a>, <a href="http://healthandbeautydiva.com/" target="_blank">Health and Beauty Diva</a>, <a href="http://www.thepinayblogger.com/" target="_blank">The Pinay Blogger</a>, <a href="http://www.onlinechikadora.com/" target="_blank">Online Chikadora</a>, <a href="http://www.pinayjade.com/" target="_blank">Pinay Jade</a> and <a href="http://www.mommawannabe.com/" target="_blank">Momma Finally</a>!!</p>
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		<slash:comments>7</slash:comments>
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		<title>Infinite Banking</title>
		<link>http://www.pinaymommyonline.com/infinite-banking/</link>
		<comments>http://www.pinaymommyonline.com/infinite-banking/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 15:02:20 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[finances]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7822</guid>
		<description><![CDATA[Infinite banking is the capability of loaning from your own life insurance policy without losing money. Most do know about the usual way of having a loan. You apply, say, in a bank, and depending on your capacity to pay, the bank will only give you a certain maximum loan. Together with that, the interest [...]]]></description>
			<content:encoded><![CDATA[<p>Infinite banking is the capability of loaning from your own life insurance policy without losing money.</p>
<p>Most do know about the usual way of having a loan. You apply, say, in a bank, and depending on your capacity to pay, the bank will only give you a certain maximum loan. Together with that, the interest you have to pay. On a monthly basis you will have to pay including the interest for the duration of the loan. In the end, the bank earns that interest. If you fail to pay on time, the more earnings the bank will have because you will be penalized for a certain fee.</p>
<p><span id="more-7822"></span></p>
<p>With infinite banking, though, you are getting a loan on your own life insurance policy. At a certain time (usually after seven years), the insurance company has already made use of your premiums for different investments. Depending on how well the company has earned, the dividends also fluctuate but usually earn little or much. You can then earn 100% of your cash value and you will also pay the interest. The difference is, you yourself will earn, back to your insurance policy.</p>
<p>Conclusion, it will be wise to invest on life insurance.</p>
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		<slash:comments>4</slash:comments>
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		<title>MENTORING MINDS: Helping Shape the Next Generation</title>
		<link>http://www.pinaymommyonline.com/mentoring-minds-helping-shape-the-next-generation/</link>
		<comments>http://www.pinaymommyonline.com/mentoring-minds-helping-shape-the-next-generation/#comments</comments>
		<pubDate>Sun, 22 Jan 2012 15:44:00 +0000</pubDate>
		<dc:creator>Pinay Mommy</dc:creator>
				<category><![CDATA[online finds]]></category>

		<guid isPermaLink="false">http://www.pinaymommyonline.com/?p=7805</guid>
		<description><![CDATA[Teaching is a profession not everyone can do. More than just teaching lessons found in books, teachers, along with parents, are called to impact young lives. Educators should be able to equip students about how to handle crises outside of those four corners of the classroom. Teachers are expected to teach beyond what are written [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="alignnone size-full wp-image-7806" title="mentoring minds" src="http://www.pinaymommyonline.com/wp-content/uploads/2012/01/mentoringminds.png" alt="" width="326" height="65" /></p>
<p>Teaching is a profession not everyone can do. More than just teaching lessons found in books, teachers, along with parents, are called to impact young lives. Educators should be able to equip students about how to handle crises outside of those four corners of the classroom. Teachers are expected to teach beyond what are written in books. They should be sensitive to the needs of each child, and successfully handle each one of them.</p>
<p><span id="more-7805"></span>This is why teachers would need <a href="http://www.mentoringminds.com/">instructional strategies</a>. Mentoring Minds has been in the business of teaming up with educators in providing quality education each child deserves. Resources on each subject are readily available for teachers to teach effectively. We all know that visuals are important in the teaching-learning process. Mentoring minds have excellent visuals designed to make learning more enjoyable and much easier to understand. On top of that, motivational materials are also available for those who need to be motivated and excited in the class. There are also resources available for each child to think critically and analytically. With their excellent materials and resources, each child would be able to discover his or her talents, skills and capabilities.</p>
<p>Furthermore, Mentoring Minds are committed to make teachers and educators grow professionally. There are resources available for the teachers to draw inspiration from, and to greatly improve their teaching performance.</p>
<p>“Teaching is a noble profession,” the saying goes. This is so because teaching helps in shaping the next generation. And Mentoring Minds have a great role in making this happen.</p>
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		<slash:comments>11</slash:comments>
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