c.o.L.D.F.i.s.H

Each Year I Fall In Love Again With You
by joanna fuchs

When I first met you 4 years ago,
I fell in love so fast, I knew right then,
You were the one and only one for me;
I'd never have to look for love again.

Each anniversary finds us happier;
You are my light--my moon, my star, my sun.
You show me what real love is all about,
You fill my life with pleasure, joy and fun.

As time goes by, our love grows stronger still.
You're the most amazing man I ever knew.
I prize our anniversaries because
Each year I fall in love again with you.

HAPPY ANNIVERSARY NDUTKU.... I LOVE YOU...

Missing someone isn’t about how long it’s been since you’ve seen them last or the amount of time since you last talked – it’s about every moment when you’re doing something and you wish that they were right there with you.

I MISS YOU NDUT !!!

Congratulation Mr. Barrack Obama as the 44th President of the United States of America!!!!

As he claimed victory Tuesday (Nov 4th 2008) night, Obama told supporters, "change has come to America."

"The road ahead will be long. Our climb will be steep. We may not get there in one year or even one term, but America -- I have never been more hopeful than I am tonight that we will get there. I promise you -- we as a people will get there," Obama said in Chicago before an estimated crowd of up to 240,000 people.

With Obama's win, he becomes the first African-American to win the White House.

Source: cnn

When you know which one it is, you will know what to do for that person.

When someone is in your life for a REASON, it is usually to meet a need you have expressed.
• They have come to assist you through a difficulty, to provide you with guidance and support, to aid you physically, emotionally or spiritually. They may seem like a god send and they are.
• They are there for the reason you need them to be.
• Then, without any wrongdoing on your part or at an inconvenient time, this person will say or do something to bring the relationship to an end.
• Sometimes they die. Sometimes they walk away.
• Sometimes they act up and force you to take a stand.
• What we must realize is that our need has been met, our desire fulfilled, their work is done.
• The prayer you sent up has been answered and now it is time to move on.

Some people come into your life for a SEASON, because your turn has come to share, grow or learn.
• They bring you an experience of peace or make you laugh.
• They may teach you something you have never done.
• They usually give you an unbelievable amount of joy.
• Believe it, it is real. But only for a season.

LIFETIME relationships teach you lifetime lessons, things you must build upon in order to have a solid emotional foundation.
• Your job is to accept the lesson, love the person and put what you have learned to use in all other relationships and areas of your life.
• It is said that love is blind but friendship is clairvoyant.

Thank you for being a part of my life,
Whether you were a reason, a season or a lifetime.

INVESTMENT 101

If you had purchased $1,000 of Lehman Bros. stock one year ago, you would have $49 left.

With Wachovia, you would have $16.50 left.

With AIG, you would have less than $5 left.

But if you had purchased $1,000 worth of beer one year ago, drank all of the beer, then turned in the cans for the aluminum recycling REFUND, you would have had $214.

Based on the above, the best current investment advice is to drink heavily and recycle.

It's called the 401-Keg plan.

Source: Etty S

CRISIS ON WORLD’S STAGE

Since the mid-September collapse of Lehman Brothers sparked the latest chaos in the financial markets, world leaders, warning of a global economic downturn, pledged Saturday (Oct 11, 2008) to work together to find solutions to what is unfolding as the worst financial crisis since the Great Depression.

The Dow ended its worst week ever Friday (Oct 10, 2008) and capped a staggering eight-session sell off that has seen the blue-chip index fall 2,400 points. Wall Street lost roughly $2.4 trillion in market value during the week. Stocks have plunged despite a series of efforts on the part of the government to unfreeze the credit markets and get money flowing through the system again.

In recent weeks, financial market turmoil intensified throughout the world and credit markets froze, causing a chain reaction resulting in non-financial companies experiencing difficulty in financing normal business operations.

We’d better ready for the worst……………….

Source: cnnmoney

Wow….

Over the past two weeks, officials have intervened on behalf of three giant financial firms - mortgage financiers Fannie Mae and Freddie Mac and insurer AIG.

Meanwhile, in a nod to so-called moral hazard - the notion that bailouts only lead to greater risk-taking by those who think they'll be saved - the government let brokerage firm Lehman Brothers collapse on September 15th 2008, leaving its investors with heavy losses.

Officials point to Lehman and the near wipeout of shareholders at Fannie, Freddie and AIG as evidence that the government won't write investors a blank check.

By today, September 18th 2008, Morgan Stanley and Paulson's Alma mater, Goldman Sachs Wall Street's two remaining independent investment banks struggling to raise the money they need to muddle through the credit crunch. Morgan fell as much as 38% to a 52-week low and Goldman slid 25%, dropping below $100 a share for the first time in three years. The falling share prices are more than a spectacle: If investors lack confidence and financial firms can't raise cash, lending to businesses and consumers could further decline, dealing another blow to an already weak economy.

What's followed has been a free fall in shares across the financial sector - first at Lehman but subsequently at AIG and Washington Mutual and lately at Goldman and Morgan Stanley - that has had the effect of preventing these companies from raising new equity.

Though neither Goldman nor Morgan Stanley has shown signs of the decline visible at Lehman or AIG, it's also true that six months ago few thought Lehman, with liberal access to government loan facilities, would follow in the footsteps of Bear Stearns.

Source: cnnmoney