The voice of your purpose

Daily Motivator.

The voice of your purpose by Ralph Marston, Actions are an absolute necessity for meaningful accomplishment. So are dreams.

For if you cannot dream it, and envision it, you will not achieve it. When it tugs at your very sould, that is when you will make it happen.

You are not an unthinking, unfeeling machine that can blindly serve just any agenda. Your effectiveness comes from your purposeful involvement with what you do. There is a reason why you feel everything you feel. Those feelings are the voice of your purpose.

It is difficult and challenging to follow those dreams that flow from your purpose. Yet when the purpose is true, it will feel stronger than any challenge.

Listen to the voice of your purpose. Dream and do, and give to life the unique value that is yours to create.

Stop Blocking

Chinkee Tan - Businessman and brilliant motivator.

Stop Blocking by Ralph Marston, Every moment you're alive, you are putting forth great effort. Unfortunately, all too often that effort is intended to hold you back.

Great, creative achivement does not require any more work than what you're already doing. It merely requires different work.

Instead of using your energy to make up excuses and rationalizations, you could be using that same energy to create new, unique value. Instead of using your efforts to reinforce your fears and feed your anxiety, you could be using your efforts to give your own beautiful, loving essense to all of life.

Your history tells you to be afraid, but the thing is, the past is not where you are. It cannot hold you or frighten you unless you choose for it to.

Instead, feel the glorious, warm power of your best possibilities. Know that as soon as you stop blocking those possibilities, you will easily and naturally make them real.

Give in, and turn yourself over to the living beauty that glows within you. This is yout time to truly and richly live.

Pinoy Self-Help Investing No. 12

Story of my Investing Adventures - Brilliant Reader

Pinoy Self-help Investing No.12, Mutual Fund. Nagsimula ako mag-invest sa mutual fund under Philam Asset Management Inc. nung January 11, 2008. Dahil sa curiosity ko sa iba't ibang klase ng investment tools ay pinasok ko ang mutual fund investing. Nagresearch ako sa internet kung anu-ano ang mga companies na nagp-provide ng ganitong service at ano ang mga mutual fund options na pwede kong simulan. Bumili ako ng mga books about mutual fund investing at nagtanong sa mga nakasubok ng mag-invest.

Ang nakita kong mutual fund type na tingin ko magbibigay ng balanced portfolio securities ay ang Philam Fund. Ang fund components nito ay fixed income securities at mga stocks na nasa listahan ng Philippine Stock Exchange. Katamtaman lang ang risk at ang halaga ng pwede mong initial investment ay Php 5,000. Pwede rin magdagdag ng investment simula Php 1,000 pataas, depende sa gusto mong i-invest.

During that time, bumili ako ng Php 10,000 share. Ang NAVPS or Net Asset Value Per Share ay 9.043 kaya ang total ng share ko ay around 1,105.82. Usually, ang mga mutual fund companies ay may processing fee na nasa 3% kaya ibabawas ito sa principal investment mo.

Makikita mo ang growth ng iyong investment sa historical NAVPS menu ng company website. Dito maari mo makita yung up and down trend ng type of mutual fund na pinili mo. Sa case ko, hinayaan ko lang yung investment ko at nagdagdag pa ako ng Php 5,000 na dini-deposit as Php 1,000 PDC every month. Ang mutual fund ay pang-long term investment kaya mas matagal na naka-investment mas mataas ang possibility na mag-gain ng profit.

Katulad ng perang dini-deposito mo sa bangko, pwede mo rin i-withdraw yung investment mo anytime. Ang kagandahan lang dito, hindi ka naka-fixed sa interest rate like sa bank usually na nasa 1 to 2% lang ang annual profit. Sa mutual fund, posibleng mag-doble ang ROI or Return On Investment mo base sa kung magkano ang principal investment mo.

After almost 2 years of work at pabalik-balik ako sa Japan, umuwi na ako dito sa Pinas. Inassess ko yung growth ng investment ko at nagdecide ako na i-withdraw yung no. of share ko kapag na-meet or tumaas ng konti sa kung magkano ang bili ko. Base sa historical NAVPS, nakita ko na ang trend ng Philam Fund ay nagra-range mula sa minimum na 6% return at maximum na 9% return. So, sa madaling salita nagkataon na nung bumili ako ng share ay nasa peak or maximum return rate kaya inabot yung investment ko nung nag-slow down. January 2010, nakita ko na umabot sa 6% yung return at mabilis na umakyat ng 8.950 nung March 2010 kaya tinutukan na kapag umabot sa 9% at more than 9.043 ang return ay i-withdraw ko na yung investment ko para kahit pano bumalik yung principal amount at may kinita pa ako.

April 13, 2010 nakita ko na mas mataas ang return at ito ang peak mula sa previous months kaya pumunta ako sa Philam Asset Management Office to withdraw my investment. Ang NAVPS ay nasa 9.600 equivalent na 1,562 share ng Php 15,000 total investment ko. Ang total amount ay Php 15,900 kaya kumita pa din ako ng 6% growth profit or 3% annual profit dahil umabot ng 2 years bago ko kinuha yung total share. Mas mataas pa din kumpara sa idedeposit ko sa bangko na kikita lang ng annual interest na 1 to 2%.

Mahalaga na kapag mag-iinvest ka sa mutual fund ay pag-aralan yung up and down ng trend bago bumili ng share. Katulad ng nangyari sa case ko, yun ang natutunan ko kaya the next time na kukuha ako ng share ay mas ma-assess ko yung tamang timing. Pinag-aaralan ko ngayon kung anong type ng mutual fund ang susunod kong susubukan at mas malaki ang return potential.

(Continuation: Pinoy Self-help Investing No.13)

Relax Your Body

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

Action Principle No.54>> Relax Your Body, In your personal dealings, remain loose and light. Eliminate stress. There is rarely need to be tense and hardheaded. Much can be accomplished through calm reason and a soft voice.

Most physical movements should be loose, light, fluid, agile and flexible, rather than tense, hard, rigid and stiff. Slow, deep breathing will calm anxieties, lower your heart rate and allow for concentration. Massages, steam baths, saunas and whirlpools also help the muscles to rest. Make sure you get your rejuvenating 6-8 hours of sleep per night.

At any time, start counting backwards from 100 as you breathe deeply. Let the air fill your belly as you inhale and exhale, more slowly and more fully with each breath. Quiet your muscles and relax.