CFC Ferrer Financial Group

A friend ask me kung bakit gigil na gigil daw ang mga Financial Advisors sa 13th month pay ng mga tao.

Well, gigil na gigil din naman dun ang mga malls, stalls at online shops. They just advertise by focusing on what you want, while we advertise by focusing on what you need. At the end of the day, ikaw pa rin ang magdedecide kung saan at paano mo yan gagastusin. All I ask is, let us do our job. We earn from it, yes, but we don't steal your money. In fact, we help you make it grow.

😊
ctto

BAKIT MAY LINDOL AT PAGSABOG NG VOLCAN?

Kahit noong wla pang TAO ang mundo ay meron ng umiiral na paglindol at pagsabog ng volcan.

Ito ang paliwanag:

Ang lindol ay dahil sa malakas at biglaang paggalaw ng crustal plates (tectonic plate) "higit kaysa sa normal na galaw nito" (meaning, gumagalaw talaga ang lupa all the time, pero hindi lang natin nararamdaman dahil sa sobrang hina nito).

Pag sinabing "tectonics", ito ay nagaganap sa LOOB ng "crust"- layer of the Earth. Pweding sa kalupaan o sa karagatan.

Bakit ba gumagalaw ang crustal plates at lumilindol?

Sa inyong aralin sa Geography/ Geology malalaman ninyo na ang mundo ay may 3 layers - core, mantle, crust.

Ang core ang pinaka gitnang bahagi ng mundo na kung san concentrated ang sobrang init na hindi kayang sukatin ng temperature scale ng tao. At sa sobrang init, tinutunaw nito ang lahat ng mga solid materials like rocks, minerals and other metals na dahilan upang maging liquid ito at tinatawag na Molten materials.

Ang molten materials na ito ay tumatagus sa mga malalambot na bahagi at mga butas ng second layer na ang tawag ay Mantle. Kaya ang matle ay bahagyang solid at bahagyang liquid.

Bakit mainit ang inner core?

There are three main sources of heat in the deep earth: (1) heat from when the planet formed and accreted, which has not yet been lost; (2) frictional heating, caused by denser core material sinking to the center of the planet; and (3) heat from the decay of radioactive elements.

It takes a rather long time for heat to move out of the earth. This occurs through both "convective" transport of heat within the earth's liquid outer core and solid mantle and slower "conductive" transport of heat through nonconvecting boundary layers, such as the earth's plates at the surface. As a result, much of the planet's primordial heat, from when the earth first accreted and developed its core, has been retained.

The amount of heat that can arise through simple accretionary processes, bringing small bodies together to form the proto-earth, is large: on the order of 10,000 kelvins (about 18,000 degrees Farhenheit). The crucial issue is how much of that energy was deposited into the growing earth and how much was reradiated into space. Indeed, the currently accepted idea for how the moon was formed involves the impact or accretion of a Mars-size object with or by the proto-earth. When two objects of this size collide, large amounts of heat are generated, of which quite a lot is retained. This single episode could have largely melted the outermost several thousand kilometers of the planet.

Additionally, descent of the dense iron-rich material that makes up the core of the planet to the center would produce heating on the order of 2,000 kelvins (about 3,000 degrees F). The magnitude of the third main source of heat--radioactive heating--is uncertain. The precise abundances of radioactive elements (primarily potassium, uranium and thorium) are poorly known in the deep earth.

Ang volcanic eruption ay madali din maunawaan gamit ang paliwanag tungkol sa katangian ng ating mundo. Dahil sa subrang init na makikita sa inner core, naghahanap ito ng malalabasan at butas.

Ang bahagi ng mantle na may molten materials at bahagi ng core kung saan sila nagsasalubong ay tinatawag na "outer core."

Tandaan natin na ang molten materials na mula sa kaloob looban ng mundo ay nagdadala ng sobrang init na temperatura (heat) at maghahanap ito ng kanyang lalabasan upang maka singaw.

Kapag tuloy tuloy ang paglalakbay ng molten materials sa Mantle layer, aabut ito sa ikatlong layer na ang tawag ay "crust".

Ang crust ay ang pinaka huli at pinaka manipis na bahagi ng mundo kung saan ito ay binubuo ng patung patung na matitigas, kungreto at mga sinaunang bahagi ng lupa na tinatawag na "plates or crustal layers" .

Dito din nakapatong ang mga bahagi ng kalupaan(continental plates) at karagatan(oceanic plates).

Kapag ang molten materials ay nakarating sa crust, dahan dahan nitong tutunawin ang plates".

Ang pagtunaw ng molten materials sa bahagi ng crust ay nagiging dahilan upang makapagipon ito ng init at lakas (heat & pressure) mula sa core upang wasakin o tibagin ang matitigas at kungretong bahagi ng crust.. Dahil sa sobrang init sa loob ng crust, bumibigay ang ilang bahagi nito.. Maaaring ito ay natitibag, o nawawasak,,, upang magbigay daan sa paglabas ng init mula sa loob ng daigdig.

Ang pagtunaw ng molten materials sa plates ng crust ay tuloy tuloy ngunit dahan dahan, ito ang dahilan kung bakit gumagalaw ang crust.
dahil dito nayayanig ang lupa na tinatawag na lindol o "Earthquake."

Ito ang dahilan kung bakit nagkakaroon ng geographical landscape ang mundo. Ang mga resultang ito ay tinatawag na plate boundaries kung saan maaaring mahahati at maghihiwalay ang mga lupa, lulubog ang iba at ang iba namn ay papaitaas na kadalasan ay nagiging burol, o kabundukan ang ibang bahagi naman ng lupa ay magbabanggan dahilan ipang magkaroon ng mga bitak ang lupa na tinatawag na "fault lines" O di kayay magkaroon ng hindi pantay at hiwalay na bahagi ang lupa na animoy kanal o basin na tinatawag na "trench".

Ang tuloy tuloy na pag galaw ng crust dahil sa heat and pressure ang magiging dahilan upang magkikiskisan ang mga bahagi ng crust lalo na ang magkaibang boundaries kung saan ang isa ay papalubog (divergent)at ang isa naman ay convergent... Ang pagkikiskisan ng magkakaibang boundaries ay magpapainit sa bahagi ng crust at magkakaroon ng panibagong pagtunaw ng materials na ang tawag ay "magma".

Alm natin na ang galaw ng init ay palaging "paitaas", kaya ang magma ay maglalakbay paitaas sa ibabaw ng lupa sa crustal plates at maaari ding makagawa ng pagsabug at pagbulwak ng magma nito sa ibabaw ng kalupaan na tinatawag namang "volcanic eruption". Ang pag agus ng magma sa labas ng kalupaan o katubigan ay tinatawag na "lava flow". Ang mga bagay na ito naman at tinatawag na volcanic activitie na maaari ding mging dahilan ng paglindol ng lupa.

Sa madaling salita.... Ang pagkakaroon ng lindol o pagyanig ng kalupaan ay dahil sa "heat and pressure" ang lakas ng pagsingaw ng init mula sa loob ng daigdig ang magbibigay ng pwersa sa crustal plates upang ito ay gumalaw.
Ang pwersang ito ay nagaganap sa loob ng lupa (tectonic). Ang sukat ng galaw na ito mula sa loob ng crust ay tinatawag na (magnitude) .
Ito ay nangyayari na mula pa noong panahong wala pang nabubuhay sa mundo..... Ito rin ang dahilan kung bakit tayo ay may mga hiwa hiwalay na lupa at nagtataasang mga kabundukan.

MATTER is in motion; the particles that make up everything are constantly vibrating, moving and changing. The planet itself is in constant motion around the sun, and our solar system is in constant motion with the spinning of the Milky Way, which in turn is constantly moving in relation to other galaxies. The smallest particle of matter is ATOM. Atoms are made of extremely tiny particles called protons, neutrons, and electrons. Protons and neutrons are in the center of the atom, making up the nucleus. Electrons surround the nucleus. Protons have a positive charge. Electrons have a negative charge. The charge on the proton and electron are exactly the same size but opposite. Neutrons have no charge. Since opposite charges attract, protons and electrons ATTRACT each other thus CONTRADICTING each other resulting into MOTION kaya gumagalaw ang MATTER. Ang ating mundo ay made up of MATTER at gumagalaw (in motion) dahil sa presence ng positive at negative charges. Umiikot ang ating mundo dahil po yan sa binanggit ko na negative and positive charges, attracting each other. Ulitin ko po, since opposite charges attract, protons and electrons ATTRACT each other thus CONTRADICTING each other resulting into MOTION kaya gumagalaw ang MATTER. At hindi sila nagkakalayo sa isat-isa kahit sila ay in contradiction ay dahil ina-ATTRACT nila yong isat-isa kaya umiikot, SPINNING.

Bakit hindi natatapun sa atmosphere ang mga tao kung ang mundo natin ay gumagalaw at imiikot?

Hindi natatapun ang tao sa atmosphere ay dahil merong gravity sa ating mundo.

Nangyayari na itong lindol at volcanic eruption kahit paman noong mga panahong wala pang TAO. May tao o wlang tao ang mundo, meron na pong umiiral na paglindol at volcanic eruption.

Note:

Ang bahaging ito ay pweding dagdagan o icorrect ng mga mas experts pa sa akin. Ito ay batay lamang sa aking mga pinag-aralan at pagkakaunawa sa mga facts tungkol sa bagay na pinag-uusapan.

HAPPY FEAST DAY
JESUS, THE BLACK NAZARENE
January 9, 2018

“Trust in the LORD with all your heart and lean not on your own understanding; in all your ways submit to Him, and He will make your paths straight.” ~ Proverbs 3:5-6

BELOVED LORD JESUS,
BLACK NAZARENE,
we come to You to help us. Life is a constant struggle, and we now feel the pain of our journey. Bless us Jesus and teach us to listen, to all the events of our life, knowing that nothing happens by chance. Everything that happens has a reason. When we feel the pain or sickness, teach us to cope with loving surrender and to believe in the power of healing. When we experience emotional, financial and psychological brokenness, help us to rise up with belief that WITH GOD, NOTHING IS IMPOSSIBLE. We come to You today, to pray for healing and beg You to listen to our petitions, most especially...
We pray to You and our mother Mary with the hope that You’ll answer our prayers. Amen

BLACK NAZARENE, I PUT MY TRUST IN YOU!

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Call or txt at 09338553528 or email me [email protected]

Unit Manager Mr Frederick Aye Buncayo Ferrer.

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“For I know the plans I have for you, declares the Lord, plans for welfare and not for evil, to give you a future and a hope." Jeremiah‬ ‭29:11‬ ‭ESV‬‬

Salamat, Panginoon, sa magandang plano Mo para sa amin. Salamat dahil lahat ng pangako Mo ay totoo at wala ni isa man sa mga ito ang nabigo. Salamat dahil mahal na mahal Mo ako at hindi Mo hinahayaang mapahamak o matalo ako ng kaaway. Patuloy Mo pong palakasin ang aking pananampalataya. Sa pangalan ni Hesus, amen. http://ow.ly/SC4C30kjZ7a

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Happy birthday phoebe

CFC Ferrer Financial Group updated their phone number.

Fitch sees sustained Philippine growth

MANILA, Philippines - BMI Research, a unit of Fitch Ratings, expects an average growth rate of six percent over the next five years for the Philippine economy amid the fiscal stimulus measures being undertaken by the Duterte administration.

“We believe that President Duterte’s fiscal stimulus measures will be positive for economic growth as most of the increases in spending have been earmarked for infrastructure development and social services like healthcare, education and security, which will boost long-term productivity,” it said.

BMI Research said further improvement in public procurement to reduce wasteful spending would likely be positive for fiscal sustainability.

Recent data released by the Department of Finance (DOF) showed a four-fold increase in the country’s budget deficit to P216 billion in the first 10 months from P52.6 billion in the same period last year.

The research company said the country’s deficit to GDP ratio widened to two percent in 2016 from 0.9 percent in 2015.

“It is clear that fiscal stimulus measures under the Duterte administration will be more aggressive than its predecessor, and we expect spending on infrastructure and social services to pick up over the coming quarters, in line with the 2017 budget which targets a deficit of three percent of GDP,” BMI Research said.

BMI Research also said the Philippines has a severe infrastructure deficit which has dampened investor interest in non-construction sectors.

The World Economic Forum (WEF) has cited the infrastructure gap as the second largest hurdle for doing business in the Philippines.

According to the WEF global competitiveness index, the Philippines ranks a dismal 95 out of 138 countries in terms of infrastructure, with quality of roads, port, and air transport systems among the worst in the world.

Similarly, the research arm’s operational risk team also assigns a poor score of 40.4 out of 100 (emerging market average is 43.7) for the quality of the transport network in the Philippines.

The WEF also cited rampant corruption as well as the failure of the Philippine government to take advantage of the lower cost of borrowing since the Philippines achieved investment grade rating under the administration of former president Benigno Aquino III.

Milyon-milyong mga OFW (Overseas Filipino Workers) ang nagtitiis at nagtatrabaho sa iba't-ibang bansa sa buong mundo. May landbased at may seabased. Marami sa kanila ay nagdaramdam at nalulungkot ngayon dahil sa tingin nila ay parang walang naging magandang naidulot ang sakripisyong ginawa nila bilang OFW. Nawala ang pinakamain objective nila kung bakit nga ba sila nangibang bansa. Ang katotohanan, masakit man pakinggan, Napakaraming mga OFW ang umuwing walang naipundar matapos ang mahabang panahong pagtatrabaho sa ibang bansa. Marami rin sa mga OFW ang napahamak at napariwara ang buhay. NGUNIT LAGING MAY PAG-ASA. KUNG KAYA KAMI SA PHILAM LIFE AY PATULOY NA NAGSASAGAWA NG MGA PROGRAMA PARA TULUNGAN AT TURUAN ANG MGA OFW AT ANG KANILANG MGA PAMILYA , UPANG MATUPAD ANG KANILANG MGA PANGARAP SA BUHAY AT MAGHANDA PARA SA KINABUKASAN, UPANG HINDI MASAYANG ANG MGA PINAGHIRAPAN AT UMUWING MAY NAITABI. DAHIL ANG BAWAT PANGARAP, KAILANGAN LAGING MAY PLANO. ANO BANG PLANO MO, KABABAYAN KONG OFW? USAP TAYO. - Philam Life Lucena City Unit Manager & OFW Financial Advisor Mr. Frederick "Aye" Buncayo Ferrer.

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