Thursday, December 27, 2012

Friday, December 14, 2012

Friday, October 5, 2012

My Brief Prophetic Autobiography (Revised)

My God will fully supply whatever you need, in accord with his glorious riches in Christ Jesus - Philippians 4:19

This is my last year of being a twenty something. At my age, one of the things that I have learned to accept about life is this "Change is inevitable." Three years ago, I had a post entitled My Brief Prophetic Autobiography. I rewrote it a year later with a bit of twist. For the third time, I'm looking at my past, present and future quite differently. And it's even more exciting and more challenging since I think change is happening even faster than before. Or maybe it comes with maturity? Change has always been part of one's life but we have to be mindful to notice it and move forward.

Wednesday, September 5, 2012

I just have to say this...

It is so disheartening to be convinced that there are many people who are saying that they are in need of financial aid and have a braveheart to ask others for help. But when it’s payback time, the courage disappears and would not even care to explain. Courage could save trust but cowardliness could destroy credibility...even relationship. Gratitude, that is. :(

Tuesday, July 10, 2012

Pressing the Fast Forward Button

Last week I visited the blog of a well-known inspirational speaker, Francis Kong. He had a post entitled From the Past to the Future. He is, to some extent, challenging his readers to write his future. It is not easy to forget our past because we are fond of continuously pressing the rewind button in our head. Doing this is effortless, isn’t it? Why don’t we take the harder look into the future.

Wednesday, June 13, 2012

My First Movie Review: 100

It was a late Saturday night. Just when I thought of pressing the off button in the remote control, Mylene Dizon appeared in the boob tube in a silent scene. Few minutes later, she was joined by Eugene Domingo. I got nailed in the couch, instantly. This is not drama. It’s comedy. And it's not Cinema John Lloyd.

Fed up of seeing huge emotions and hearing long dialogues in both tv dramas and local movies, this film though a serious story was treated in a very simple, light and natural approach (as if the actors are not acting) yet tear jerking. It was an independent film about a woman in her thirty’s stricken with cancer played by Mylene Dizon. The entire movie revolves around the remaining days of the main character named Joyce (Mylene Dizon). Because of her grave condition, she decided to leave her successful career. Knowing that she only had few days to live she decided to live life to the fullest. She spontaneously wrote 100 things she would like to do in a small note pad and stick it in her wall. Together with her best friend Ruby (Eugene Domingo), every single day she would fulfill it with head up high and full of zest. Ruby, instead of crying a bucket of tears, joined Joyce and showered her best friend with time and attention.
Telling the painful truth to her mom (Tessie Tomas), was apparently the hardest thing to do in her bucket list since her father died of the same illness not so long ago. Joyce mother, in the beginning of the story, was seemingly living an easy and quite glamorous life. But as soon as she found out the poor health of her daughter her character naturally transformed. She then became a typical mom in a typical Filipino household just wearing simple clothes mostly duster, taking care of everything that her daughter needs. Hopeful, she brought Joyce to Manaoag Shrine and asked for a miracle; tried Chinese herbal medicines; sought different doctor’s opinion; had a pray-over rite, forcefully changed Joyce eating habits and prevented her from smoking. But nothing worked. In an emotional scene, Joyce pleaded her mother to just accept her situation so if and when she dies, she will die peacefully.

The story also showcased Joyce many relationships with other family members, former colleagues and a couple of love affairs. With loved ones beside her, she organized her fate with such order and gusto as though a fabulous event is about to unfold.  I am putting an end here because I do not intend to give away the entirety of the movie. I highly encourage you to find a copy of this film and watch it yourself and be moved. This film will teach every viewer how to look at a difficult situation from a new angle with enthusiasm. There are many tearful scenes but expect to smile and laugh too. A perfect mixture of drama and a pinch of wit every now and then and a very valuable reminder that life is short...let us not waste it...

Photo grabbed @

Friday, June 1, 2012

Magnenegosyo ako. Ows?!

Business is not for everybody. This is a short but thought provoking statement from the speaker in one business-related seminar that I attended. Among the many essential matters that he shared, it was that simple message that had the biggest impact in my memory. I agreed, instantly. Evidently, not everybody has financial resources to start a business. When I remembered this recently, I realized that my reason was so lame; that there’s actually a bunch of grounds why not everybody can venture into business.

Have you heard this “Ang hirap magtrabaho. Pag may pera na ko, magnenegosyo na lang ako”? Perhaps you have heard it from some relatives; or some friends; or from neighbors; or from colleagues; or from anonymous people inside a jeepney, in food courts, in public places.  Well, I have heard it too and I bet as many times as you do. Years passed by, a lot (if not all) of people that said that are still employees. Sometimes some people couldn’t start a business because it’s all in their mind and they don’t actually make an effort to raise capital. Serious aspiring entrepreneurs, however, know how to put aside or think of ways how to raise funds. However, business is not just about money. I once thought that starting a business could be simplified in an equation as simple as this:
 Money + Business Plan = Business
Now that I, myself, is a micro entrepreneur, I am beginning to understand that starting a business is not just about having a capital and a business idea. Putting all your resources into reality is entirely different and it’s complicated. Starting a business is challenging, affecting all aspects of one’s life. When my family and I were just beginning, I was full of zest. I was already thinking of expansion and hiring more people. In two years of running micro businesses, there were many times that I wanted to give up because it seems to me that nothing much is happening. Today, I have become oblivious of my initial plans. Realizing all the adversities attached in doing business, I have seemingly found contentment in our current status. Satisfied that at least we are able to pay our monthly outlays.

Today, Metro Manila is cluttered with huge shopping malls and other commercial buildings. The used to be location of our grandparent’s favorite grocery is no longer in existence. With the emergence of various shopping centres in the metropolis, a lot of micro and small businesses are dying. But a true entrepreneur, despite a no match to the moguls of our society, knows how to vie. I believe, they are the ones who have learned that doing business is more than just having material treasures and concept. Business is character, skill and passion rolled into one. And I must say, at this point I’m still asking this: Is business really for me?

Photo grabbed @

Wednesday, May 23, 2012

Fiesta sa Pinas, Iba!

Last week, my friend and I had a short vacation in Quezon Province in anticipation of the Feast of San Isidro Labrador or more popularly known as the Pahiyas Festival. From Cubao we boarded Lucena Lines in the morning of May 13. For almost four hour straight, my friend and I were just talking non-stop making up for lost time. And besides, it was our first time to travel together outside Metro Manila. We arrived in Lucena City at exactly 11 am and went straight to the house of my cousin. After having a quick lunch, we were set to our first destination - Kamay ni Hesus, a very huge statue of Christ on top of a hill with His hands wide open. Though my third time to trail the sanctifying 300+ stairways, the experience has always been spectacular. After a literally breathtaking trek, we immersed ourselves in the cold fresh water of Batis Aramin, a resort located just across the street. With P120 entrance fee, we surely enjoyed the relaxing views, the fresh water as cold as ice and a number of photo session. We left the resort at five o’clock with a fairly smoother skin (I think). Then, we had a short visit to a few relatives in Lucena before returning home. Exhausted and starving, we had rice, fried chicken, barbeque and chami (similar to miki bihon) for dinner. And slept right after.
 Kamay ni Hesus

A pool in Batis Aramin

The next day, May 14, we went to Kamayan sa Palaisdaan where we were supposed to have a small meal but ended up just taking snapshots and nothing else. After the short tour, we took the jeepney going to the town proper of Lucban, the very reason why we were on vacation. As soon as we arrived, the majestic whiff of the Pahiyas Festival was already overwhelming. We were very sure that we were going to have a good time. Our first stop was an old Catholic Church where the statue of Lucban’s patron saint was decorated with various real crops. Miniatures of the colorful houses were also displayed inside the church. Then my cousin brought us to Mustiola, the best carinderia I’ve seen in my entire life, and had a sumptuous lunch at relatively affordable price.  Armed with full tummy, we were geared up for an arduous but extravagant walking experience.  Contrary to rumors, the facades of some houses were already creatively decorated with vegetables, fruits, kipings and various natural pieces. We were also lucky to have witnessed a short parade exhibiting their very colorful custom with some Higantes generously giving some entertainment. Of course, a feast wouldn’t be complete without food specially pansit habhab partnered with barbeque, a slice of puto and a cold bottle of Coca-Cola. We had yema cake in Rodillas, where we also bought Buding (cassava cake) and other foodstuff as pasalubong to our loved ones. To complete our Pop Talk experience, we went to Abcede to buy Lucban longganisa.  Unfortunately, we had to leave the same day. It was heartbreaking when the actual merriment was just starting to heat up. But it was a fun, fun, fun trip nonetheless. And definitely, I would love to experience it every year.

Photos during the Bisperas of the Pahiyas Festival  

The street to Tiyangge

Sample House

Getting Ready for tomorrow's event

Higantes @ the parade

Food in the street

Oh yes, it's more fun in the Philippines. :)

Sunday, May 20, 2012

A Short Story of an Impatient Juvenile

When my laptop crashed last month, my network visibility narrowed. With limited time and internet access, I was visiting my stock market account just to see if my target price has been reached or my sell orders were already cancelled. Just to be sure that I won’t miss my target price, whenever there is a chance to go online I will cancel my current transactions and press the sell button again using GTC. However, the market has been bearish in the past couple of weeks. Just when I thought I was about to reach my first 100k mark in May or June. It’s like I’m asking for a miracle. But, who knows?

I have been in the stock market for 10 months already and it got me thinking. The market is low again, is investing in the stock market really worth it?

Just a little flashback. In July 14, 2011, I used PhP 6,000 (which I borrowed from my generous mother) to open an account with COL Financial (formerly Citiseconline). Four days later, I bought 10 stocks in Ayala Corporation (AC) and 100 stocks in Robinson’s Land Corporation (RLC). Did I really understand what I did? By tracing the chart of both AC and RLC, I was convinced that their market price was cheap at that time. As the saying goes ”Buy low Sell high. With that quote in mind and PSE’s price chart as my pillar, I believed that it was a sure way to make money only to realize that my knowledge about the stock market was so juvenile.

My investment continued to grow whenever there was extra cash until it came to a point that our household expenses were mounting. And so the stock market took the back seat. My initial plan to invest small amounts monthly eventually didn’t push through forcing me to use Plan B: Reinvest. From being a supposedly long-term investor I suddenly became a trader. For almost every single day, my attention was glued in studying the critical matters affecting the rise and fall of the market prices, how to interpret the different charts and a whole lot more. I would buy and sell stocks in a span of two trading days to two weeks. But I am such an impatient trader. My short thread of patience resulted to a bunch of regrets. There were many occasions that I entered the market with relatively low price and ended up gaining 2% or even lose money because I didn’t wait long enough. The next day or two, the market price skyrocketed missing a great opportunity to yield larger numerical figures. That happened to AAI (now BLOOM), ABS, AC, ALI, EDC, FOOD, LPZ, MEG, MPI, ORE, PSE and RCBC.

Since last year, I was experimenting to some extent. I was brave to test the water. In effect, I was gaining and losing money at the same time. Blame it to my impatience and bad entrance and exit. But as days passed by, I am becoming more cautious in choosing the stocks to buy and when to sell. At present, I have shares in six companies and my portfolio is completely red. Due to my inactiveness in the market lately, I wasn’t able to sell before the plunge. But no worries, I have learned my lesson in my numerous mistakes. For now I only have two options: (a) do nothing and (b) press the sell button with GTC as term and hope for a miracle that my target price will be hit in situation like this. Otherwise, to wait is absolutely a wise thing to do. 

Hashtag: #Wishing upon a star.

P.S. I’m grateful that my cousin has a laptop. That’s why I’m back with a long blog post. :)

Photo grabbed @

I'm in Love with Mustiola's

I first saw Mustiola's in Pop Talk, a Lifestyle show in GMA News TV. It was a food trip episode in Quezon Province.  Among the three restaurants that were featured, it was Mustiola's that caught my attention the most. It was a carinderia serving typical local dishes in a Spanish inspired old house setting. The entire concept of Mustiola's was so infectious that now I am dreaming of having my own resto in two years.
Few days after the episode was aired, I was able to see it personally. And yes, it’s carinderia. And yes, the tv monitor was not deceiving. It was really beautiful - a classy carinderia. But hey, Mustiola's is not just about ambiance. They are also serving good food. My most favourite is Finura, it’s a halo-halo slash milk shake slash yummier when you sip slash I haven’t tasted anything like that in Manila.

Mustiola's is definitely a must see in Lucban. A great place to eat at fairly affordable price. Pop na Pop!

Thursday, March 1, 2012

Why Filipinos are not Investing in the Stock Market?

One night my uncle and I were stuck in a heavy traffic. Running out of stories to share, our topic arrived at the possibility of investing in the stock market. He asked me a number of questions such as “Ano ba ang produkto nyan?,“ “Paano yan ibebenta?,” “Kanino yan iaalok?” etc. Though apprehensive, I tried to answer him to the best of my knowledge. I guess my answers were fairly compelling since in the end he agreed to do so. However, his questions couldn’t get of my head even after we parted ways.

Base on an article posted in PSE Academy website, the Philippine Stock Market has 498,838 accounts in 2010 which means not even 1% of the country’s 94 million population has invested in the stock market. There are so many stories in the internet testifying that investing in the stock market has a powerful potential to earn great returns. If the stories are true and verified, what are the possible reasons why only few Filipinos are into stock market?

Just a Personal Analysis
1. Lack of knowledge. I remembered recently that stock market was actually one of the topics that I reported in a Management subject way back in college. I started and ended it reading a number of paragraphs scribbled in a Manila paper. Totally forgettable. It was a subject matter that even my professor couldn't give a speck of input.

We don’t really study stock market in school. PSE’s Market Educator, Jay Penaflor, even admitted that his primary purpose of taking up a masteral degree was to learn how the stock market works. He was delighted when he heard his professor utter “stock market” on the first day of class only to realize it was also the last time that he would hear it. Thus, if stock market is not taught in regular school (even in much higher education), how would we know that stock market is a great avenue to create wealth?

Good news for this generation, I learned in one seminar that there is a proposal in our government education agency that a subject about financial literacy would be very beneficial specially for the youth. In this subject, all forms of investment will be discussed and other money matters. Perhaps, this plan is formed with an intention to help put a solution to every human’s problem: money.

2.  Stock Market Looks Intimidating. I’m sure you have seen or heard the term stock market in all forms of media. Economic issues are usually discussed by English proficient people in corporate attire. Personally, this example leaves me an impression that stock market is just for the society of the rich and famous. This explains why it took me years before I had the guts to attend a seminar fully concentrated about this matter. Just the thought of being surrounded with English speaking men in black suit pretty scares me. Worst, the speaker in front would ask me “Do you have any idea how the stock market works?” Let’s just say, I didn’t wish to humiliate myself in front of the members of the high society. With this in mind, I felt that my ability to learn the stock market is limited to reading informative articles and hearing news. But I was completely wrong. If you wish to educate yourself through seminars, all you need to do is register, appear on the scheduled date, sit and listen. And by the way, blue jeans are not prohibited inside the training room. And most importantly, there are various seminars that are free of charge.  PSE, for instance, conducts basic stock market seminar every last Tuesday of the month. Online Stockbrokers, Colfinancial and First Metro Securities Brokerage Corp or FirstMetroSec, also have set of free trainings. Just check out their website for more information. 

To put this long story short, education plays a vital role to help increase awareness about the pros and cons of investing in the stock market or any other forms of investment. But as a popular saying goes, It takes two to tango. I believe that the government and private sectors actually have numerous projects underway. But it will only take effect, if we Filipinos will respond to the call.

What Have I Learned in Seven Months?

Yesterday, I sold one of my most sluggish stocks few minutes before the market closes. Then I opened my Twitter account and was greeted with this quote:
Don't settle for less, just because you're too impatient to wait for the best!                                                                                                            
What an opening salvo?! Bull's Eye! Now, I can only hope that it will not soar high tomorrow (I mean at least not too soon). It happened to me before. I sold some stocks in negative so I can catch those in sale with much better fundamental or at least the ones in upward price movement. The next day, BOOM! The market price skyrocketed and I lamented. Blame my short thread of patience.

Last week, I accompanied a friend to the seminar I mentioned in my previous post. Same speaker. Same speech. Different effect. The seminar was actually sweeter the second time around. Why? (1) My industry vocabulary has improved and; (2) now I know what he meant by this: “At some point you will lose money. If you can’t accept this, stock market is not for you.”

No investor in his right mind will rejoice if he loses money either in the stock market or even literally but behind this heartbreaking fact are valuable lessons. In my seven months of investing, I have learned that losing money has two different meaning: (1) You lose money when you sell your stocks at the current market price lower than your average market price. As a result it decreases your actual balance as well as your purchasing power; and (2) You lose money in paper once the current market price of your stocks becomes lower than your average market price. This is a common phenomenon. Price will move up in time (unfortunately no one knows exactly when). Here, no transaction is executed.

In my case, my most recent transaction falls under the first definition. Since there were no signs of progress in weeks (as far as the chart is concerned), I took a difficult decision. Instead of waiting for the boost, I thought of looking for other companies that are technically performing better. And hope that this risk will bear better fruits in shorter period. For investors/traders with limited resources like me this is one risky strategy that at one point you might just have to consider than lose money in paper for uncertain time.
Flashback. In my first month, I was able to savor the feeling of earning money (in paper) without a sweat. Ecstasy. And then August came, my portfolio suddenly turned bloody red. I experienced definition no. 2: losing money in paper. Just when I thought I was about to make a breakthrough, the stock market got terribly affected by the European economic crisis. And I tell you, losing money in paper is no joke. It’s tragic. Scary.
Today, I’m gradually learning from research and actual experience (mistakes included). Looking back, the effects of the European economic crisis in the Philippine Stock Market were actually not as bad as I thought. The wiser and more experienced investors probably consider it as a blessing more than a tragedy. For the well-offs, Christmas sale started in August. In January, when the market started to bounce back, I bet many rejoiced. Indeed, patience is a virtue. And that’s one thing that I have not learned by heart in seven months. But I really wish I will...SOON.

Photo grabbed @                 

Wednesday, February 29, 2012

The Courtship Was Over

Seven months have passed I can still vividly recall how elated and terrified I was when I attended Citiseconline’s seminar, Investing in the Stock Market Today. I was already in Tektite more than an hour before the schedule. Hesitant to be the first participant to sign on the attendance sheet, I waited in the ground floor for more than thirty minutes. When I entered the training room, it was almost half full. I proceeded at the right side of the room and sat in the third row. While waiting for the speaker, my head was turning left and right, back and forth. Observing people.  That’s when I realized how naive I was. The thought of sitting beside a man in black suit was actually the root of my uneasiness. Thank God the majority was just in blue jeans. The discomfort subsided and I felt everything was just right. Finally! Another dream came true.

Yes, to attend a seminar about investing in the stock market was a simple dream I used to share with a friend. We were both dreaming of investing in the stock market long time ago but were totally clueless. Unfortunately, I came alone since her medical condition did not allow her. After the three-hour seminar, there was only one thing running in my head: I WANT THIS! Upon arriving home, though apprehensive of my mom’s probable reaction, I told her my plans. For the first time after several objections in the past, we had a peaceful conversation about this matter. And on the same night I got her YES. That was the climax of my day.

After a week, I attended another free seminar still in Citiseconline. At 6:30 pm I submitted my requirements together with my initial investment. It was so small but damn it was worth a million for me. And that marked the beginning of a seemingly endless journey in the world of the men in black suit and men in blue jeans.

Photo grabbed @

Friday, February 17, 2012

Investing in the Stock Market Simplified

For many years, SM North EDSA was sensational - a huge household name for shopaholics particularly for Quezon City residents. When Triangle North of Manila or more popularly known as TriNoma opened in 2007, SM North has started vying for the number one spot. Last week I was stunned to find out that the Ayalas have begun building another money empire in Fairview, Quezon City where one of the kingdoms of Henry Sy has long been in supremacy. With this new development at hand, do you smell another rivalry?

It is so easy to assume that Ayala Corporation is the antagonist to SM domination. But, really? There may be a big truth to this but a wise man knows how to strategize. That’s what I have realized when I opened the list of Top 100 Stockholders (common) of AyalaCorporation as of December 31, 2011 in PSE website. I was in awe to see Shoemart Investment Inc. at no.5, Henry Sy Sr. at no. 7 followed by SM Investment Inc at no. 8. Isn’t that brilliant? Henry Sy and his companies will continue to prosper even though his malls don’t make much money (which I doubt will ever happen). In times of famine and loss, I bet, Henry Sy will remain the richest man in the Philippines.

To sum it up...
1. In business, if you can’t completely beat your foe, make him your ally.
2. That is Stock Market simplified.
2.1   Choose.
2.2   Share.
2.3   Earn.

Photo grabbed @

Tuesday, February 7, 2012

A Shopping Date with Big John

Valentine’s Day is near. For the proprietors of restaurants and hotels, it’s a time of joy, a time of feast, a time to make money! For couples and families it’s the time of the year that we creatively express our affection to those we love. For third year and graduating high school students, it’s JS Prom. But for the class of my youngest brother it’s Senior’s Night.

Wednesday, February 1, 2012

Himig ng Pag-ibig!

Yeng Constantino’s interview by VJ Chino of MYX a couple of days ago, stirred my interest in her and  her music. Her creativity is just amazing. The profoundness of her lyrics is just as deep as her true self. In this age where revivals are dominating,the more I appreciate original music. More importantly if it has substance. And I think Yeng’s music has it. No doubt, she deserves all the success.      

I just love the simplicity of this music video. This one is my most favorite.

Video uploaded by YConstantino

Monday, January 30, 2012

The Future of The Pasig River

Biyaheng Timog Silangan was an interesting backpacking trilogy of Sandra Aguinaldo in GMA’s most awarded documentary program, i-Witness. Sandra travelled Thailand, Cambodia and Vietnam with a shoestring $100 budget or Php4,600 for each country. One interesting highlight is Thailand’s Loy Kratong - The Festival of Lights.

Thursday, January 26, 2012

Monday, January 23, 2012

Looking Ahead with Thirst for Change (Part II)

Without further ado, here is a list of my ultimate dreams in life:

1.    Businesses that can generate jobs with decent income.
2.  Help spread awareness about the benefits of investing in the stock market or any other forms of investment.
3.   A modern look for our 16-year-old house would absolutely delight my family specially my parents.
4. Two private vehicles, an exclusive car for the whole family and a 16-seater vehicle that will bring more people to the Kerygma Feast every Sunday.
5.   Travel the Philippines and some part of the world.

Friday, January 20, 2012

Looking Ahead with Thirst for Change (Part I)

2008 was a historical year for me. The preparation for the Christmas season started as early as January. I would fill more than twenty ang paos (that Chinese traditional red envelope for good luck as they say) with crispy 20 or 50 Peso bills until a target amount is reached. It was a self-imposed saving practice with an objective of giving my god children and relatives simple presence come Christmas Day. Supplemented with patience and discipline, my strategy blossomed with good fruit. And I owe it to my regular job and my measly income.

Sunday, January 15, 2012

Not Really Made Different

“Kakaiba ka talaga” was a common comment by my college friends. I wasn't so sure if it was meant as a compliment or whatever. All I know is that I have always been the type of person who acts accordingly. I am who I am. I do what I want to do. I say what is running in my head. But admittedly, there are things that I enjoy doing that they are not fond of. Perhaps, I also have traits that they don’t normally encounter. Kaya siguro I was the most “kakaiba” among the group. I love blogging and they don't. Many times I tried to convince some of them but  failed. But it doesn't matter to me now. Because there are a lot of bloggers out there who understand the feeling when one is able to weave emotions into words, who share the same passion as I do. May kakosa ako dito invisible nga lang. :)

I’m not really unique (in a special way). We’re not just the same at all times despite being part of one group.

Photo grabbed @

Saturday, January 14, 2012

Crab Mentality No More (Please)

Do you know a person who gets so envious when friends or relatives have achieved something great in their lifetime, like a college classmate who used to cheat is now managing a popular fast food chain or a son of an ordinary mechanic is now an engineer? I bet, “Buti pa sya” is their favorite expression. I personally think it is ok to be envious but too much could be dangerous. Envy is good if it drives you to do better in what you do because you also want to succeed. Envy is good if you can be happy for others and wish them more success. On the other hand, it can also lead to self-pity, misery and a hopeless life. Worst, instead of making the achievers a source of inspiration, others tend to pull them down. Awful!!! Unfortunately, there’s quite a lot (even inside a family). :(
Photo grabbed @

Tuesday, January 10, 2012

A Roller Coaster Ride

My 2011 was like a roller coaster ride. In the beginning the wheels rolled in a straight direction. Suddenly, it went bullish then bearish, with wild twists and turns. That goes the same with my emotions, it was erratic. It was such an adventure that tested my faith once again. Roller coaster is obviously not my favorite ride in an amusement park so as 2011. I’m just thankful that the final destination went back to horizontal. So whoever invented this heart-pumping ride, I say he is a genius and merciful.

Monday, January 2, 2012

Popular Posts