Practice Forgiveness

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.42>> Practice Forgiveness, Anger, hatred, bitterness, resentments and thoughts of revenge are heavy weights that slow a person down. Allowed to fester, these negative feelings can consume increasingly larger portions of your life. Liberate yourself. Let it go. The forgiving person is always stronger. Be like the rock in the stream and let the thoughts of revenge flow by you.

As a person of action, improving yourself and helping others, you will make lots of mistakes. You will do foolish things. Learn the lesson.

You practice forgiveness for yourself. Consider those whom you may have offended or injured and ask for their forgiveness. Can you say, "I'm sorry and I apologize if I offended you."? If you ask and your request is rejected, you have lightened your burden in trying. Continue to encourage efforts at reconciliation.

Show Loyalty

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.41>> Show Loyalty, Be a stand-up person. You stand for your family, country and friends. When and if trouble comes, let others have no doubt that they can count on you for help and support. Your commitments don't waver with the moods of the moment.

You don't hesitate to act.

At work, you build customer loyalty by concentrating on service with an attitude clear to everyone that customer retention is very important to you. You don't run a business solely dependent on finding new customers.

You are consistent, devoted, faithful and true. You stand for your beliefs and values. You aren't afraid to pledge allegiance to what is right. This is loyalty.

World-Class Filipino Talent

Filipino Billiard Expert - Alex Pagulayan.

Alex Pagulayan, a Filipno-Canadian professional pocket billiards (pool) player. His nicknames are "The Lion" and "The Killer Pixie". He was born in Cabagan, Isabela, Philippines and was raised in Toronto, Canada. He is known for his relaxed demeanor during competition, and is a crowd favorite, well liked because of his comedic interaction with the audience.

Pagulayan also has expertise in the pocket billiards game of snooker, and his capabilities enabled his Philippines team to win the Snooker Gold Medal at the 2005 SEA Games (held in Manila, Philippines) with teammates Joven Alba and Leonardo Andam. After the team's 3-2 win against Thailand at the Makati Coliseum, Pagulayan emerged as a triple Gold Medalist.

How to love your body

Bo Sanchez - Spiritual preacher and Motivational speaker.

1st part


2nd part


3rd part


4th and last part

Ralph Marston - Energy boost, If you wanted to raise your level of energy, what would you think about?

What would you say, how would you act, how would you carry yourself, and what things would you focus upon?

Imagine being filled with so much positive energy that it overflows into the world around you. Think about exactly how that would make you feel.

Would you like to boost your energy level right now? You have everything necessary to do exactly that.

For in any and every moment, your energy level depends on the choices you make. The way you think and act and speak and feel all contribute to that amount of energy you have to work with.

A beautiful, genuine smile, for example, puts you at a much higher energy level than an angry scowl. Focusing on your highest vision gives you greater energy than filling your mind with worry, judgment and envy.

Your energy level is up to you, and you can always utilize that energy to do great things. Give yourself a positive energy boost now, and again and again, the delight in the rewards of a life well lived.

The Cause of Poverty

Robert Kiyosaki - International Bestselling Author

The Cause of Poverty, Poverty is simply having more problems than solutions. Poverty is caused by a person's being overwhelmed by problems he or she can't solve. Not all causes of poverty are financial problems. They can be problems like drug addiction, marrying the wrong person, living in a crime-ridden neighborhood, not having job skills, not having transportation to get to work, or not being able to afford health care.

Some of today's financial problems, such as excessive debt and low wages, are caused by circumstances beyond an individual's ability to solve, problems that have more to do with our government and a smoke-and-mirrors economy.

For example, one of the causes of low wages is high-paying manufacturing jobs moving overseas. Today there are plenty of jobs, but they are in the service sector, not manufacturing. When I was a kid, General Motors was the nation's largest employer. Today Wal-Mart is the nation's biggest employer. We all know that Wal-Mart isn't known for its high-paying jobs - or its generous pensions.

Fifty years ago, it was possible for a person without much education to do well financially. Even if you had only a high school degree, a young person could get a relatively high-paying job manufacturing cars or steel. Today, it's manufacturing burgers.

Fift years ago, the manufacturing companies provided health care and retirement benefits. Today, millions of workers are earning less, while at the same time needing more money to cover their own medical expenses and save enough for retirement. Every day these financial problems are not solved, they grow bigger. And they stem from a larger national problem that is beyond the power of the individual to change or solve. They stem from poor economic policies and cronyism.

Pinoy Self-Help Investing No.10

Story of my Investing Adventures - Brilliant Reader

Pinoy Self-help Investing No.10, Karugtong ng kwento ko tungkol sa freelance website developer na nakilala ko at nirefer para gumawa ng website sa kaibigan kong importer ng mga sasakyan galing sa Japan, ngayon tapos na ang function testing at approved na yung website. Final turn-over na lang nung website at by that time matatanggap ko na yung referral fee ko. Pagkatapos nito, yung isa namang kakilala ko na nagm-manage ng apartment for rent sa Makati ang next Client para sa website development. On-going ang requirements gathering sa ngayon.

Maliban dito sa website development, Habang nagttrabaho ako sa Japan, naghahanap pa rin ako ng income-generating task na kaya ko gawin. Tulad na lang nung July 2009, may nakilala ako sa internet forums na nagpa-translate ng website niya from English to Japanese. Dahil marunong naman ako magsulat at magbasa ng Japanese, isang araw lang nagawa ko agad at nakatanggap ako ng 5,000 yen para dun sa task na iyon. Kasunod nito, meron uli akong nakilalang may online grocery sa Japan na pinaayos yung design ng website nya. Dahil marunong naman ako magdesign at edit ng mga website header at background, pinag-aralan ko kung paano gamitin yung web designer na ginagamit nila. Unang ginawa ko ay yung header design, nung natapos ko nakatanggap agad ako ng 10,000 yen. Sinunod ko naman ay ang pagpapaganda ng website background, ginawa kong simple at maaliwalas sa mga site visitors na nagvi-visit nung site. Nagustuhan naman ng kakilala ko kaya binigyan uli ako ng 10,000 yen para sa pag-ayos ng website background. Naisip ko na hindi pala ganon kahirap magkaron ng extra-income, basta gagamitin mo lang kung ano yung gift o talent na binigay sayo. Katulad nga ng madalas ko naririnig mula sa mga popular na author at nababasa mga sinulat nilang libro, kung ano ang talent na meron ka at masaya kang ginagawa mo ito ay wag kang mag-atubili na pagyamanin. Bakit mo gagawin ang mga bagay na alam mong hindi ka masaya at hindi iyon ang talagang nakatakda para sayo? Madaling matutunan kung sa madali dahil ang lahat naman ay napag-aaralan. Pero kung ang pinag-aaralan mo naman ay hindi mo gusto, wala rin halaga ito.

Lahat tayo may mga kanya-kanyang gustong marating sa buhay. Ang iba sa atin ay halos iisa ang gusto sa buhay at iba naman ay may mga pangarap na kung iisipin mo parang hindi na kaya ng abutin. Masarap ang mangarap. Tayo ang makakapagsabi kung ano ba talaga ang gusto natin sa buhay. Pero hindi ibig sabihin na nangangarap nga tayo pero wala naman tayong ginagawa para maabot iyon. Hindi sapat na sasabihin natin, may pangarap tayo at pinapaubaya na lang natin sa panginoon kung ano ang mga mangyayari. Kung may pangarap tayo, dapat sinusukat natin kung gaano katagal, ano ang mga kailangan na paghahanda ang gagawin para maabot natin iyon at pagdarasal sa panginoon para gabayan tayo na maging tama ang mga desisyon at naayon sa plano natin ang kagustuhan nya. Kadalasan nagiging frustration sa atin ang mga bagay na pinangarap natin pero hindi naman natutupad. Bakit nangyayari ang mga ganitong sitwasyon? Ginusto natin pero hindi naman natin natanggap? Yan ang mga bagay na dapat lagi natin kino-consider at pag-aralan tanggapin. Ang mga pangarap natin ay siyang daan para sa masayang kinabukasan, ngunit kung ito naman ay hindi naayon sa plano ng ating panginoon ay hindi rin natin makakamtan. Nakakapag-isip tayo at nakakaramdam kung ano ba talaga ang gusto natin pero kung titignan natin ang pinaka-purpose bakit tayo ngayon andito sa mundo ay hindi natin magawang bigyan ng linaw.

Lagi ko nga naririnig sa mga magulang ko noong bata pa ako, "Kilos lang tao at nandiyan ang panginoon nakaalalay sayo". Maraming katanungan at iba't ibang opinyon pero bawat isa sa atin may kanya-kanyang pang-unawa at pakahulugan kung bakit tayo ngayon nandito sa mundo. Walang tamang sagot at wala rin mali. Kung ano ang tingin mo tama para sayo, posibleng mali sa iba. Kung ano ang mali sa iba ay posibleng tama para sayo.

Hindi masama ang mangarap. Nabuksan ang isip ko para gawin ang lahat ng makakaya ko na mabigyan ng katuparan ang mga pangarap ko mula ng magbasa ako ng mga libro tungkol sa "personal growth" at "financial literacy". Mula noon, narealize ko na hindi pala tayo sumabay lang sa kung ano ang agos nang buhay. Hindi tayo dapat nakapattern sa kung ano ang mga nakasanayan at pamamaraan ng mga ninuno natin. Maaring may mga pamamaraan silang magiging epektibo pa rin hanggang sa ngayon, ngunit marami rin ang mga lumang pamamaraan na kung titignan natin wala nang silbi sa kasalukuyan. Katulad na lang ng kasabihan, "mas mabuti pa ang mahirap kesa mayaman", "mas masarap ang mamuhay ng simple lang at tama lang makakain at tustusan ang pag-aaral ng mga anak", at marami pang iba. Sa isang banda may punto ngunit bakit natin lilimitahan ang sarili natin sa mga ganitong paniniwala? Ano ang nagiging ugat nang karahasan kung tama lang na matustusan ang pag-aaral ng mga anak at makakain sa isang araw ngunit paano kung may dumating na hindi inaasahang sakuna? Saan tayo kukuha ng panggastos para sa Ospital? Paano kung bigla tayo nawalan ng trabaho at walang aasahan na tutulong? Yan ang mga kadalasan nagiging problema natin sa buhay.

Sa lahat ng mga napagdaanan ko mula pagkabata, malaki ang mga naging aral sa akin ng kahirapan. Natuto akong mag-isip ng mga pamamaraan kung paano ako magkaron ng extra-income. Ginamit ko ang passion ko sa pakikipag-coordinate hindi lamang sa trabaho kundi sa pakikipag-coordinate sa mga naging kaibigan kong may mga negosyo. Pinag-aaralan ko kung ano yung mga naging best practices nila at kung ano ang mga sikreto kung bakit sila matagumpay sa mga negosyo na kasalukuyang pinapatakbo nila. Hindi masamang maging makulit para lang matuto. Lagi ko iniisip, hindi naman sila nag-umpisang matagumpay sa buhay kaya bakit ako mahihiya? Hindi sila naging matagumpay ng hindi dumaan sa mga pagsubok at pagkalugi ng negosyo kaya bakit ako mahihiya? Ang lahat ng mga failures sa buhay ay may kapalit na tagumpay. At sa tuwing babalikan mo ang sitwasyon na kung saan ka nag-fail ay alam mo na kung ano ang mga epektibong paraan para malampasan ang mga ito. Gawin lang natin at pagyamanin kung ano ang mga talentong binigay sa atin bilang daan tungo sa tagumpay ng kinabukasan. (Continuation: Pinoy Self-help Investing No.11)

Helping someone

Drew - Listening to God

Brilliant Reader - Living Your Life, Sometimes you will meet people who needs your help in unexpected circumstances. You wanna give something what you have but often ignore that feeling. Then, one day you get to realize that if you do something in response to that very moment, it will result a sense of fulfillment with extra-ordinary and profound meaning. Try to do something no matter how small it is, the most important is you share the goodness that is in store for you.

Become Grateful

Bill FitzPatrick - Founder of the "American Success Institute".

Action Principle No.40>> Become Grateful, Life isn't exactly the way you want it to be. You will have your ups and downs and crosses to bear. You will have opportunities to practice holding your tongue and exercising patience. Yet, because you are focused on the larger picture, you will be able to keep everyday events in perspective.

Be grateful for all you have. Acknowledge and accept compliments. In the larger scheme of things, you may wish to be grateful for good health, a supportive spouse, a rewarding profession, obedient, healthy children, conscientious employees, prosperity, religious faith, loyal friends and even winning sports teams. You add and choose. Why not write letters to people in your life who have made a difference and thank them? You will both feel good.

When you can look forward and be thankful, you can help others do the same. Hold the burning candle from which others can light their candles.

Embrace gratitude.

Learn from Others

Bo Sanchez - Spiritual preacher and Motivational speaker.

Ralph Marston - Beyond what is comfortable, Progress is made by doing what you have not done before. To truly grow stronger, you must step beyond what is comfortable and familiar.

Just outside your door is a whole wonderful world of new possibilities. And with those new possibilities come new and difficult challenges.

Go ahead, and have he courage to open that door and step outside your comfort zone. For though the challenges are many, the rewards are move valuable than you can imagine.

You are designed and equipped and intended for great things. You are flexible and adaptable and creative and intelligent enough to successfully handle whatever you encounter.

Beyond the comfort of what you already know, you'll find the wonder and magnificence of all you can become. Go explore and fulfill the very best possibilities.

Living Your Life - Vic Sotto

Vic Sotto - Building his legacy

Brilliant Reader - Living Your Life, Behind your daily life challenges, success or failures, opportunities, dreams and every circumstances you've encountered, there is always an inner purpose which you usually taken forgranted. Life is not just to fulfill all your needs to survive. It is far from doing what you think is right. It is profoundly created to fulfill what God's purpose in your Life.

Every Goal Has a Process

Robert Kiyosaki - International Bestselling Author

Every Goal Has a Process, As we all know, every worthwhile goal has a process and takes work. For example, to become a medical doctor there is a rigorous process of education and training. Many people dream of becoming a doctor, but the process gets in their way.

One of the reasons people lack financial IQ on "making more money", is because they want the money but not the process. What many people do not realize is that it's the process that makes them rich, not the money. One of the reasons many lottery winners or kids who inherit family wealth are soon broke is because they received the money, but didn't have to go through the process. Many other people fail to become rich because they value a steady paycheck more than the learning process of becoming financially smarter and richer. They are held back by the fear of being poor. It is this very fear that keeps them from taking the chances and solving the problems required to become rich.

We are All Different, and have different strengths and weaknesses. We all have different processes, different challenges, and different problems. Some people are natural salespeople. I wasn't. My first problem was my inability to overcome my fear of selling and the terror of being rejected. Some people are natural-born entrepreneurs. I wasn't. I had to learn to be an entrepreneur.

I make this point because I'm not saying you need to learn to sell, or that you need to learn to be an entrepreneur. That was my process. It may not be yours. The first step to increasing your financial IQ on "making more money", is to decide what the best way for you to make money is. If it's to become a medical doctor, get ready for medical school. If it's to become a pro golfer, start putting. In other words, choose your goal, and then choose your process. Always remember that the process is more important than the goal.