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<div style="text-align: center;"><span style="font-weight: bold; font-style: italic; color: rgb(102, 0, 204);">Praise GOD for a beautiful morning, it may not be an easy day but HIS guidance and love will enable us to push through despite all odds! Have a wonderful year to all!</span><br /><a href="http://www.myhotcomments.com/">

<span style="font-weight: bold; font-style: italic;" class="smallfont">Ain't it grand ... we're all different and all alike ... and as we move through our lives we have magnificent changes ... we are what we are ... and we change when we change ... and just maybe our networks of peeps help guide our progress.<br /><br />The following is for those that have been dNeero-ites for a while ... we hope that your answers will make your social networks a little bit more active. </span><br /><embed src="http://www.dneero.com/flashviewer/dneerosurvey.swf?s=263&amp;u=2547&amp;p=0&amp;c=1&amp;r=68033&amp;hdl=0&amp;baseurl=http://www.dneero.com/" wmode="transparent" quality="high" bgcolor="#ffffff" width="425" height="250" name="dneeroflashviewer" align="middle" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer"></embed>

<div style="text-align: center;"><span style="font-weight: bold; font-style: italic; color: rgb(51, 102, 102);font-family:courier new;" >Christmas is a gift of love, a gift of giving, a gift of joy and happiness. Not everything that makes us happy is right. But there will come time when everything that is right will make us happy. Enjoy the blessings this Christmas!</span><br /><span style="font-weight: bold; font-style: italic; color: rgb(51, 102, 102);font-family:courier new;" >Great gifts are not found in any store, the best present is stored in the heart of friends! it has unlimited supply and bears no expiry date. Happy Holiday!</span><br /><br /><a href="http://www.satisfaction.com/codes/happy-holidays-comments-1.php" title="Happy Holidays MySpace Comments and Graphics">

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Gosh! I need to say “no” to all delicious food but I can resist it because it’s Christmas. My daughter prepares pancit canton, chicken curry, kinilaw na baboy, lechon baboy and sweet desert mango float. I don’t think I can eat these scrumptious foods. My neighbor gave me macaroni salad and spaghetti. I better put it in the ref so that I have stocks of food and when I am hungry I will just get a bite all of it. LOL!<br /><br />I hope you had a great and wonderful Christmas this year like me. Merry Christmas to all!!!

<span style="font-weight: bold; font-style: italic;" class="smallfont">We're in a global financial crisis, which has the potential to cause personal financial crisis for you. We're all searching for those alternatives that will allow us to continue without dire actions. Maybe a payday loan could be one of those alternatives.</span><br /><embed src="http://www.dneero.com/flashviewer/dneerosurvey.swf?s=618&amp;u=2547&amp;p=0&amp;c=1&amp;r=67454&amp;hdl=0&amp;baseurl=http://www.dneero.com/" wmode="transparent" quality="high" bgcolor="#ffffff" width="425" height="250" name="dneeroflashviewer" align="middle" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer"></embed>

<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:\DOCUME~1\Lingkay\LOCALS~1\Temp\msohtml1\01\clip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">Some people are scared of spiders, and some people scared of heights but one thing all people are scared of at some point and many people always is to being alone.</p> <p style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">You’re not really alone, you’re with yourself and that should be a wonderful thing. If a woman/man can find the nerve to spend some time doing things of her own, she’ll be she/he will get to know herself/himself better and enjoy and not fear of being alone. A smart person learns not just to tolerate periods of solitude, but to look forward to them.</p><p style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">
<br /></p> <p style="font-weight: bold; font-style: italic;" class="MsoNormal"><o:p> </o:p></p> <p style="font-weight: bold; font-style: italic; color: rgb(204, 0, 0);" class="MsoNormal">HAVE A MERRY MERRY CHRISTMAS TO EVERYONE!</p><p style="font-weight: bold; font-style: italic; color: rgb(204, 0, 0);" class="MsoNormal">
<br /></p><p style="font-weight: bold; font-style: italic; color: rgb(204, 0, 0);" class="MsoNormal">
<br /></p><div style="text-align: center;"><a title="Click here to get free comments, glitter graphics, and more cool MySpace stuff!" href="http://www.chromaluna.com/">

<span style="font-weight: bold; font-style: italic;">Right for the times? "A credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members." (Wikipedia)</span><br /><embed src="http://www.dneero.com/flashviewer/dneerosurvey.swf?s=522&amp;u=2547&amp;p=0&amp;c=1&amp;r=60713&amp;hdl=0&amp;baseurl=http://www.dneero.com/" wmode="transparent" quality="high" bgcolor="#ffffff" width="425" height="250" name="dneeroflashviewer" align="middle" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer"></embed>

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<span style="font-weight: bold; font-style: italic;" class="smallfont">This is the third in our SpitzTunes series ... holidays are upon us, and so is the global financial crisis ... let's get to more cheer, and less fear!<br /><embed src="http://www.dneero.com/flashviewer/dneerosurvey.swf?s=608&amp;u=2547&amp;p=0&amp;c=1&amp;r=66800&amp;hdl=0&amp;baseurl=http://www.dneero.com/" wmode="transparent" quality="high" bgcolor="#ffffff" name="dneeroflashviewer" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer" align="middle" height="250" width="425"></embed><br /></span>

<div style="text-align: center;"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">A "smile" is a sign of joy. A "hug" is a sign of love. A "laugh is a sign of happiness and a good person to have in your life is a God's Blessing. </span><br /><br /><center><a href="http://orkutluv.com/">

<span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 102);font-family:courier new;" >I think that the true meaning of Christmas is about possibility in the midst of the impossible. It is not the kind of possibility that comes from a confidence in our own skill, knowledge, ability, or a positive mental attitude. It is possibility that comes solely from the fact that God is God, and that he is the kind of God who comes into our own human existence to reveal himself and call us to himself. It is a possibility that is so surprising at its birth that we are caught unaware, and so are left with wonder at the simplicity of its expression in this infant child. It is a possibility that is easily symbolized by a helpless infant that has nothing of its own by which to survive; yet an infant that, because he is Immanuel, God with us, will forever change the world and all humanity. It is this same God who has promised to be with us, with his people, with the church and with us individually, as we live as his people in the world.</span>

<span class="smallfont">This convo is specifically about you ... remember when you joined dNeero we presented you with the "Get it going with dNeero" convo ... users asked many wonderful questions, so the following convo is an extension of that convo that includes many of the user questions ... and to qualify for this convo, you must have already joined 15 others ... keep asking those great user questions that challenge your fellow dNeero-ites to exclaim "I hadn't thought about that!"</span><br /><br /><embed src="http://www.dneero.com/flashviewer/dneerosurvey.swf?s=595&amp;u=2547&amp;p=0&amp;c=1&amp;r=65691&amp;hdl=0&amp;baseurl=http://www.dneero.com/" wmode="transparent" quality="high" bgcolor="#ffffff" width="425" height="250" name="dneeroflashviewer" align="middle" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer"></embed>

<span class="smallfont">In Alexandra Drane's words, we need to "start talking. Engage With Grace: The One Slide Project was designed with one simple goal: to help get the conversation about end of life experience started. The idea is simple: Create a tool to help get people talking. One Slide, with just five questions on it. Five questions designed to help get us talking with each other, with our loved ones, about our preferences."</span><br /><br /><br /><embed src="http://www.dneero.com/flashviewer/dneerosurvey.swf?s=596&amp;u=2547&amp;p=0&amp;c=1&amp;r=65687&amp;hdl=0&amp;baseurl=http://www.dneero.com/" wmode="transparent" quality="high" bgcolor="#ffffff" width="425" height="250" name="dneeroflashviewer" align="middle" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer"></embed>

<span class="smallfont">Spitz speaks ... start ove, satisfy, ideas, rebellion, smokin' guitars ... who the heck knew that Red Hot Chill Peppers are a bunch of light bulbs!?</span><br /><br /><embed src="http://www.dneero.com/flashviewer/dneerosurvey.swf?s=597&amp;u=2547&amp;p=0&amp;c=1&amp;r=65680&amp;hdl=0&amp;baseurl=http://www.dneero.com/" wmode="transparent" quality="high" bgcolor="#ffffff" width="425" height="250" name="dneeroflashviewer" align="middle" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer"></embed>

<span style="font-weight: bold; font-style: italic; color: rgb(102, 102, 204);font-family:courier new;" >I am a person easily overwhelmed by the wonders this word can give. But i would leave all these just to laugh my heart out over cups of coffee. And i have to begin my day with a big smile and to enjoy the passing moments because everything that might happen today may never happen again tomorrow....<a href="http://www.graphicsarcade.com/"><br /></a></span><div style="text-align: center;"><br /></div><span style="font-weight: bold; font-style: italic; color: rgb(102, 102, 204);font-family:courier new;" ><br /><a href="http://www.graphicsarcade.com/"><br /></a></span><div style="text-align: center;"><span style="font-weight: bold; font-style: italic; color: rgb(102, 102, 204);font-family:courier new;" ><a href="http://www.graphicsarcade.com/">

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<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:\DOCUME~1\LITTLE~1\LOCALS~1\Temp\msohtml1\01\clip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="font-weight: bold; font-style: italic; color: rgb(51, 204, 255); text-align: center;font-family:verdana;" class="MsoNormal"><span style="font-size:85%;">Living a normal life, we always encounter problems, trials, challenges in life and sometimes it leads us to discouragements. Never feel discourage when things go wrong or the things go beyond our expectation. We always remember that the greatest story in our life is not winning but rising all the time we fall.</span></p><div style="text-align: center;"> </div><p style="font-weight: bold; font-style: italic; color: rgb(51, 204, 255); text-align: center;font-family:verdana;" class="MsoNormal"><span style="font-size:85%;">Life is so beautiful and very exciting. God give us this life. Don't allow anybody to ruin our life and we have to take care of what He has given to us and for that no one can ever take from us it is only Him, because He created us. Whenever you feel discouraged, and whenever your heart is lonely, we have a constant friend out there and it is He. Just go on what we have in life!</span></p>

<div style="text-align: center; font-weight: bold; font-style: italic; color: rgb(51, 153, 153);">Sometimes flowers grow best under the sun, others do well in shade. God always put us where we grow best and give us good people to grow with!<br /><a href="http://www.orkutnow.com/">