Be Prudent

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

Action Principle No.44>> Be Prudent, Just because you deserve victory doesn't mean that you will win every fight, game or argument. Someone else may have the tactical advantage. Have the self-confidence to know when not to fight. Perhaps the smartest course of action is to retreat and reflect upon your options. Can you return to the challenge on another day better equipped, more experienced and stronger?

The non-action of the wise man is not inaction. It is not studied. It is not shaken by anything. The heart of the wise man is tranquil. It is the mirror of heaven and earth... emptiness, stillness and tranquility. Wise men don't fight each other.

Bring excellence to life

Ralph Marston - Author of The Daily Motivator.

Bring excellence to life, You cannot achieve excellence just by proclaiming it to be. Excellence is built in the details.

Attend faithfully and competently to the details, while staying true to your purpose. That is how to bring excellence into your world.

What is done with genuine love is done with excellence. Let love guide you in each moment, and you will consistently create excellence.

Excellence resonates with what is true, what is good and authentically valuable, with what is right. Work with honesty, integrity, and a commitment to truth, and excellence will permeate the results.

Intention is critical, yet excellence does not come from good intentions alone. Excellence comes from actions persistently and consistently guided by the highest and most authentic intentions.
In each thing you do is the opportunity to create excellence. Again and again, bring excellence to life, and live true to your highest purpose.

Solving Money Problems Makes You Smarter

Robert Kiyosaki - International Bestselling Author

Solving Money Problems Makes You Smarter, When I was a young boy, rich dad said to me, "Money problems make you smarter... if you solve the problem." He also said, "If you solve your money problem, your financial intelligence grows. When your financial intelligence grows, you become richer. If you do not solve your money problem, that problem often grows into more problems." If you want to increase your financial intelligence, you need to be a problem solver. If you don't solve your money problems you will never be rich. In fact, you will become poorer the longer the problem persists.

Rich Dad used the example of having a toothache to illustrate what he meant by a problem leading to other problems. He said, "Having a money problem is like having a toothache. If you do not handle the toothache, the toothache makes you feel bad. If you feel bad, you may not do well at work because you are irritable. Not fixing the toothache can lead to further medical complications because it is easy for germs to breed and spread from your mouth. One day you lose your job because you have been missing work due to your chronic illness. Without a job, you cannot pay your rent. If you fail to solve the problem of rent money, you are on the street, homeless, in poor health, eating out of garbage cans, and you still have the toothache."

Demonstrate Your Love

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

Action Principle No.43>> Demonstrate Your Love, From the Bible, we learn that love is patient and kind. It does not envy. It does not boast. It is not proud. It is not rude; it is not self-seeking; it is not easily angered; it keeps no record of wrongs. It always protects, always trusts, always hopes, always perseveres. It is responsibility and a willingness to work out problems.

Love is too wonderful and too powerful to be kept bottled up. Let it out with your smiles, your voice, your manner, your enthusiasm and your continuing acts of kindness. For love, you can risk being vulnerable.

When you find love, cherish and safeguard it. A loving marriage and family is worth all your efforts.

Is There an End to the Storm?

Harold J. Sala - A well-known speaker

Is There an End to the Storm, Tough times pass, but tough people - those who are focused on what God says about our lives - endure.

Such a man was the prophet Jeremiah. His beloved country, Israel, was about to be overthrown by Babylon. Jeremiah had to announce this prophecy, a message that was denounced as "unpatriotic and traitorous."

Yes Jeremiah looked beyond the external events and heard the voice of God. Yes, Israel would go into captivity for seventy years. But God promised restoration. "For I know the plans I have for you,' declares the LORD, 'plans to prosper you and not to harm you, plans to give you hope and a future'" (Jeremiah 29:11).

So certain was Jeremiah that God would keep His word, that he bought a piece of property that lay in default, burying the title deed in a jar so that when the troubles had passed, he could come back and claim the property (see Jeremiah 32).

Your life may seem like a catastrophe, but the story is not yet finished. You can lean on God and say, "I trust You Lord, so please walk with me today."

Christmas in our hearts

Christmas in our hearts - Jose Mari Chan

Christmas countdown, Christmas is a very special moment to all of us. Loveones who are working abroad make sure that they could go home to celebrate and be with their families. It is the spirit of Christmas that bind our hearts together.

What You Believe Makes a Difference

Harold J. Sala - A well-known speaker

What You Believe Makes a Difference, Unlike employers who make promises and don't keep them, or friends who forget what they tell you, God is never remiss on coming through with what He says He will do. Our faith in Him is founded on His character. Because people fail us, we often bring God down to their level, wondering if He really can be trusted as well. We forget the times when He has met us in the past.

Your earthly father may not be trustworthy, but your heavenly Father is. The Bible puts it pointedly: "God is not a man, that he should lie, nor a son of man, that he should change his mind. Does he speak and then not act? Does he promise and not fulfill?"

(Numbers 23:19) And the obvious answer is, "No!"

The Quaker scholar David Elton Trueblood put it well when he said, "Faith is not belief without proof, but trust without reservation." Believing is important, but trusting is what brings the promises into our lives and our families. Real faith includes both.

Solving Other People's Financial Problems

Robert Kiyosaki - International Bestselling Author

Solving Other People's Financial Problems, Rich dad also said, "Many people work for rich people, solving rich people's money problems." For example, an accountant goes to work to count the rich person's money. The salesperson sells the rich person's products. The office manager manages the rich person's business. The secretary answers the rich person's phones and treats the rich person's customers respectfully. The maintenance man keeps the rich person's building and machines running smoothly. A lawyer protects the rich person from other lawyers and lawsuits. A CPA protects the rich person's money from taxes. And the banker keeps the rich person's money safe.

What rich dad was getting at was that most people work at solving other people's money problems. But who solves the worker's money problems? Most people go home and are faced with many problems, money being one of them. If a person fails to handle his or her money problems at home, the problem, like a toothache, leads to other problems.

Many of the poor and middle class work for the rich and then fail to solve their own money problems at home. Instead of looking at financial problems as opportunities to get smarter, they go home, sit in the lawn chair, have a drink, put a steak on the grill, and watch TV. The next morning, they return to work once again solving someone else's problems and making someone else richer.

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.

How Knowing God should Change Your Life

Harold J. Sala - A well-known speaker

How Knowing God should Change Your Life, On the streets of Manila, dirty, brash, young entrepreneurs - called cigarette boys - dash between the cars, jeepneys, and buses. They compete with each other in selling cigarettes, candies, and gums. One such boy was struck by a vehicle and the contents of his display board were scattered on the pavement. In a moment, a man stepped quickly from the crowd of onlookers, helped the boy to his feet, and began to pick up the fallen wares.

Somewhat dazed and not sure what to say, the boy looked intently at the man's face and blurted out, "Is you Jesus?"

When your neighbors and friends look at your lfe, what do they see? When God touches your life, something should rub off: the mark of the Divine. God's attributes should be evident in the lives of His children.

The image of the Father should, in some way, be reflected in the countenance of the son.

Making the Gospel attractive isn't accomplished by making it easy but by making it desirable and authentic.

God is Never Late

Harold J. Sala - A well-known speaker

God is Never Late, God is precisely on time. His timing, however, is different from ours. He is bound neither by time nor space.

Have you learned that it is impossible to fully understand God's timing in our lives? D. Martin Lloyd-Jones wrote: "He may sometimes do the opposite of what we anticipate ... Yet it is a fundamental principle in the life and walk of faith that we must always be prepared for the unexpected when we are dealing with God."

God looks at life from a different perspective. He's the timekeeper, and when we think He is late, He's apt to show up, and then learn our time is in His hands.

When it looked like Jesus was late in arriving, He showed up and raised His friend Lazarus from the dead.

God is neither early nor late, He's exactly on time!

Quitters Rarely Win

Robert Kiyosaki - International Bestselling Author

Quitters Rarely Win, There is a young man who worked for me a few years ago. He was very bright, charming, had his MBA, and earned a lot of money. In his spare time, he and his wife tried many business ventures. They tried real estate, and failed. They bought her a small franchise, and failed. Then they bought a nursing home, and nearly lost everything when patients died unexpectedly. Today, both are back at work with high-paying jobs, but an unsettling feeling of inadequacy.

The reason I mention this young couple is because they failed to learn. They let the learning process beat them. When the going got tough, they quit. While it's commendable that they tried new ventures, they stopped when their problems seemed too big to be solved. They failed to push through their failure and learn from their mistakes. They failed to realize that the process, not the money, made them rich.

One of the toughest lessons I had to learn from my rich dad was to stick with the process until I won. When I ran into trouble at Xerox because I could not sell, I wanted to quit. Because I could not sell, I was not making money. In fact, it was costing me more to live in Honolulu than I was earning. Rich dad said, "You can quit when you win, but never quit because you're losing." Not until 1978, after becoming the number one salesperson for Xerox, did I quit. The process had made me richer, both mentally and financially. By overcoming my problem of not being able to sell, I was able to overcome my problem of not making money.

While working at Xerox I started my nylon wallet business in my spare time. In 1978, I went full-time into my wallet business. The business took off, and then failed. Again, I wanted to quit; and again, rich dad reminded me that the process is more important than the goal. Many times he reminded me, while I was deeply in debt, without much money, that if and when I solved this problem, I would never need money again. I would know how to build a business, and I would be a little more financially intelligent. But first I had to solve the problem in front of me.

Valuable Experience

Ralph Marston - Author of The Daily Motivator.

Valuable Experience, You are filled with valuable experience. The things you've done and learned and seen and lived through have left behind a unique and powerful substance of experience that is yours alone.

What a shame it would be for all that to go to waste. It is yours to make use of, yours to build upon, and yours from which to grow.

By making this present moment count, you also make all the past moments count even more. You cannot live in the past, yet you can continue to draw upon the value you created there.

Right now, you can benefit greatly from the things you've already done, whatever they may have been. By tapping into the value of experience and doing something positive and productive with it, you extend and expand upon that value.

Use this day to invest your wealth of experience into effective action. That investment will immediately begin to pay dividends.

Take action, and let your valuable experience guide that action. Get value from the past and use it in the present to create an outstanding future.

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.