Poor Solutions to Money Problems

Robert Kiyosaki - International Bestselling Author

Poor Solutions to Money Problems, Learning at an early age that we all have money problems, no matter how rich or how poor we are, was a very important lesson for me. Many people believe that if they had a lot of money, their money problems would be over. LIttle do they know that having lots of money just causes even more money problems.

One of my favorite commercials is for a financial services company and starts with the rapper MC Hammer dancing with beautiful women, a Bentley and a Ferrari and a grossly oversized mansion behind him. In the background, high-end specialty goods are being moved into the mansion. MC Hammer's one-hit wonder, "U Can't Touch This", is playing as all this is happening. Then the screen goes black and displays the words "15 minutes later." The next scene is MC Hammer sitting on a curb in front of the same ridiculous mansion, his head in his hands, next to a sign that reads "FORECLOSED." The announcer says, "Life comes at you fast. We're here to help".

The world is full of MC Hammers. We all have heard of lottery winners who win millions and then are deeply in debt a few years later. Or the young professional athlete who lives in a mansion while he is playing and then lives under a bridge once his playing days are over. Or the young rock star who is a multimillionaire in his twenties and looking for a job in his thirties. (Or the rapper who is peddling financial services that he was probably already using when he lost his money.)

Money alone does not solve your money problems. That is why giving poor people money does not solve their money problems. In many cases, it only prolongs the problem and creates more poor people. Take for instance the idea of welfare. From the time of the Great Depression until 1996, the government guaranteed money to the nation's poor regardless of personal circumstance. All you had to do was qualify for the poverty requirements to receive a government check - perpetually. If you showed initiative, got a job, and earned more than the poverty requirement, the government cut off your benefits. Of course, the poor then had other costs associated with working that they didn't have before, such as uniforms, child care, transportation, etc. In many cases they ended up with less money than before they had a job, and less time. The system benefited those who were lazy and punished those who showed initiative. The system created more poor people.

Hard work doesn't solve money problems. The world is filled with hardworking people who have no money to show for it, hardworking people who earn money, yet grow deeper in debt, needing to work even harder for even more money.

Education does not solve money problems. The world is filled with highly educated poor people. They're called socialists.

A job does not solve money problems. For many people, the letters J.O.B stand for just over broke. There are millions who earn just enough to survive but cannot afford to live. Many people with jobs cannot afford their own home, adequate health care, education, or even set aside enough money for retirement.

Appreciate Your Appeal

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

Action Principle No.38>> Appreciate Your Appeal, Students will want to learn from you, bosses to promote you, banks to lend you money and customers to buy your products or services.

Your allure will be your genuine selflessness in wanting to help them to achieve their objective, whether it is to become a black belt or buy a car. By not trying to be a sales person, but a true customer service person, you will make more sales.

Charisma isn't painted on the outside. It comes from the inside. Be honest. Be yourself. Adopt this attitude and you will be liked by many - immediately.

Power of Your Love

Song of Praise to the Lord.

Power of Your Love.

Lord I come to you.

Let my heart be changed, renewed

Flowing from the grace, That I found in You.

And Lord, I've come to know

The weaknesses I see in me

Well be stripped away

By the Power of Your Love..

Chorus:

Hold me close,

Let your Love surround me

Bring me near,

Draw me to Your side.

And As I wait

I'll rise up like the Eagle

And I will soar with you

Your spirit leads me on

By the Power of Your Love..

>>

Lord unveil my eyes,

Let me see You face to face

The knowledge of Your love

as You live in me.

Lord renew my mind

as Your will unfolds, in my life

in living everyday

By the Power of Your Love..

Repeat Chorus

Pinoy Self-Help Investing No.9

Story of my Investing Adventures - Brilliant Reader

Pinoy Self-help Investing No.9, Saan ko naman kinukuha yung perang ginagamit ko para sa paghuhulog ng mga investments? Well, syempre ang pinaka-main source ko ay yung current job ko. Nung time na nakita kong medyo kaya na ng sweldo ko maglaan ng halaga para sa mga investments, dun ako nag-umpisang kumuha ng mga properties. Pero hindi ibig sabihin na dahil may trabaho ako eh dun lang ako umaasa para sa paghuhulog ng mga investments ko.

Marami na rin akong mga sinubukan na extra-income generating side business. Andyan na yung kumuha ako ng small unit of studio apartment sa Taguig, katabi lang ng unit na nirerentahan ko. Kinausap ko yung landlord kung pwede ko ba i-lease sa kanya yung unit at lalagyan ko ng mga gamit like double deck bed, table and chairs, refrigerator at television. Nung na-furnish ko yung unit, gumastos din ako ng around Php 22,000 lahat na ng gamit na nabili ko. Nag-advertise agad ako sa internet at in less than an hour eh marami na kaagad nag-email sa akin para magpa-schedule ng visit dun sa unit. Good location kasi yung nakuha ko kasi center sya and accessible between makati and fort bonifacio. Maraming nagkagusto kunin yung unit at within a week lang din may tenant na akong nakuha. Sa ngayon, nabawi ko na yung capital na ginamit ko and yung tenant ay mahigit 1 year na dun sa unit. Sa ganong paraan, nag-ggenerate na ako ng extra-income.

Hindi lang dun natatapos yung mga ventures ko, naisip ko din na ang passion ko talaga ay more on coordination. Sa trabaho ko kasi madalas ako yung nagiging project coordinator or team lead between Client at programmers. Natutunan ko kung paano makitungo sa mga Clients at kung paano kunin yung loob nila sa mga meetings or social gathering. At ang isa pa, mahilig ako makipagkilala sa mga businessmen or entrepreneur. Kasi sila ang nagiging inspirasyon ko sa investment ventures ko. Hindi ako nahihiyang magtanong sa kanila kung may mga questions ako about investing strategies. March 1, 2009 may nakasabay sa bus nung papunta ako sa Japan dormitory for my 6 months project assignment. Nakipagkwentuhan ako at nalaman ko na nag-iimport pala sila ng mga trucks, vans and other vehicles from Japan to Philippines. Nagpakilala ako na IT professional ako at nagkataon na naghahanap din sila ng website developer para sa business nila. Dahil IT ang line of profession ko, nagpresenta ako na maghanap ng freelance web developer para gumawa ng website nila. So, nagresearch ako sa internet ng mga freelance developer. Awa naman ng diyos, may nakilala akong gumagawa talaga ng website at nakita ko yung portfolio nila. Sa ngayon complete na yung website development at nag-undergo na ng function testing. Kapag natapos na lahat at running na yung website ay saka ko naman matatanggap yung referral fee ko.

Kung iisipin natin, maraming paraan para gumawa ng extra-income. Nasa initiative lang natin at courage na rin na i-implement kung ano yung idea na naiisip natin. May nabasa nga akong book na yung kwento nya ay tungkol sa pagkakaiba ng mga daga at ordinaryong tao. Hinahanap nila yung happiness or comfort zone nila sa isang maze. Yung mga daga flexible sa paghahanap ng cheeze sa loob ng maze at alam nila na anytime pwedeng maubos yung mga nakikita nilang cheeze sa bawat station ng maze. Yung ordinaryong tao naman, once nakita na nila yung cheeze sa isang station ng maze, dun na sila nag-stay at di na nila iniisip na posibleng maubos yun. Kumbaga dun na sila nag-stay sa kung saan komportable na yung buhay nila. Tapos nung time na nawala na yung cheeze pagbalik nila dun sa station, ang ginawa nung mga daga eh nag-ikot ulit sa ibang sulok ng maze, at yung mga ordinaryong tao naman ay desperate sa pag-investigate kung paanong nangyaring nawala yung mga cheeze. Di nila matanggap na ubos na at naghihintay sila na bumalik yung dating dami ng cheeze na nakita nila dun sa station na yun. Hindi makapag-move on sa mga possible changes na hindi inaasahan. Dahil dun, imbes na gumawa ng paraan na maghanap ng panibagong source ng cheeze sa ibang sulok ng maze, mas nagfocus sila sa pag-analyze kung saan napunta yung mga cheeze. Sa madaling salita, madalas ginagawang kumplikado ng tao yung mga bagay na simple lang ang solusyon. Katulad ng ginawa ng mga daga, nung nakita nilang wala na yung mga cheeze dahil nga ubos na eh naghanap na agad sila sa ibang sulok ng maze kung saan meron na naman source ng cheeze. Ang importanteng lesson na naitatak sa isip ko nung nabasa ko yung librong yun ay yung maging flexible at matutong umayon sa mga pagbabago. At ang isa pang importanteng pakahulugan para sa akin, dapat wag tayo masyadong magrely na kung ano meron tayo ngayon ay hindi magbabago at isang araw mag-iiba ang sitwasyon. Kung ano yung nakikita nating feedback ng sitwasyon, mapaliit man o malaki yan dapat tignan natin kung ano yung gusto iparating para mapaghandaan kung anuman yung posibleng mangyari. Ang ginawa kong keyword of reminder para sa akin sa lesson na itong napulot ko ay "Who moved my comfort zone?". (Continuation: Pinoy Self-help Investing No.10)

Expand your business idea!

Go Negosyo Big Time!

Go Negosyo. Advocacy founded by Jose Ma. Concepcion III (RMF Corp.) >> Audio Visual Presentation by Go Negosyo, Passion. Perseverance. Research. - It's a proven formula of success. When you are planning to venture a business, discover and follow your passion. Do it without point of reference but on your own unique way.

Act As You Feel

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

Action Principle No.37 >> Act As You Feel, When you feel in the mood to do something, this is the best time to do it.

If you feel happy, smile.

If you feel daring, act.

If you receive good service, compliment.

If you feel energetic, do something positive.

If you know a good joke, tell it.

If you feel generous, give.

If you are interested in becoming wealthy, save and invest.

If someone needs help, lend them your strong hands or soft voice.

If you give your word, keep it.

If you want to make things better, vote.

Give a little Love and God will multiply it.

Bo Sanchez - Spiritual preacher and Motivational speaker.

Ralph Marston - With Love, In what you do, whatever it is, do it with love and joy. Make each moment precious by appreciating the value that is surely there.

Give your best attitude and expectations to those around you. Brighten every place you go.

Life is filled with outstanding possibilities. In every situation there is a great value.

Continually celebrate the good fortune of being alive and aware and able to make difference. Go forward carrying the assumption that life is filled with goodness, and events will prove that assumptions to be true.

Live with love and genuine appreciation for all that is around you. Give your own unique meaning to the abundance in which you're immersed.

With love, see the true, magnificent value of what you have this day. With love, make it even greater.

What Is Financial Intelligence?

Robert Kiyosaki - International Bestselling Author

What Is Financial Intelligence?, When I was five years old, I was rushed to the hospital for emergency surgery. As I understand it, I had a serious infection in my ears, a complication from chicken pox. Althouth it was a frighening experience, I have a cherished memory of my dad, my younger brother, and my two sisters standing on the lawn outside the hospital window waving to me as I lay in bed recovering. My mom was not there. She was at home, bedridden, struggling with a weak heart.

Within a year, my younger brother was taken to the hospital after falling from a ledge in the garage and landing on his head. My younger sister was next. She needed an operation on her knee. And the youngest, my sister Beth, a newborn baby, had a servere skin disorder that continually baffled the doctors.

It was a tough year for my dad, and he was the only one out of six not to succumb to a medical challenge. The good news is that we all recovered and lived healthy lives. The bad news was the medical bills that kept coming. My father may not have become ill that year, but he did contract a crippling malady - overwhelming medical debt.

At the time, my dad was a graduate student at the University of Hawaii. He was brilliant in school, receiving his bachelor's degree in just two years, and had dreams of one day becoming a college professor. Now with a family of six, a mortgage, and high medical bills to pay, he let go of his dream and took a job as an assistant superintendent of schools in the little town of Hilo, on the Big Island of Hawaii. Just so he could afford to move our family from one island to another he had to get a loan from his own father. It was a tough time for him and for our family.

Although he did achieve tremendous professional success and was finally awarded his doctorate degree, I suspect not realizing his dream of becoming a college professor haunteed my father until his dying days. He often said, "When you kids are out of the house, I'm going back to school and doing what I love - teaching."

Instead of teach, however, he eventually became the superintendent of education for the state of Hawaii, an administrative post, and then ran for lieutenant governor and lost. At the age of fifty, he was suddenly unemployed. Soon after the election, my mom suddenly died at the age of forty-eight due to her weak heart. My father never recovered from that loss.

Once again, money problems piled up. Without a job, he decided to withdraw his retirement savings, and invested in a national ice-cream franchise. He lost all his money.

As he grew older my father felt he was left behind by his peers; his life's career was over. Without his job as the head of education, his identity was gone. He grew angrier at his rich classmates who had gone into business, rather than education as he did. Lashing out, he often said, "I dedicated my life to educating the children of Hawaii, and what do I get? Nothing. My fat-cat classmates get richer, and what do I get? Nothing."

I will never know why he did not go back to the university to teach. I believe it was because he was trying very hard to become rich quickly and to make up for lost time. He wound up chasing flakey deals and hanging out with fast-talking conmen. none of his get-rich-quick ventures succeeded.

If not for a few odds jobs and Social Security, he might have had to move in with one of the kids. A few months before he died of cancer at the age of seventy-two, my father pulled me close to his bedside and apologized for not having much to leave his children. Holding his hand, I put my head on his hand and we cried together.

Pinoy Self-Help Investing No.8

Story of my Investing Adventures - Brilliant Reader

Pinoy Self-help Investing No.8, Sa unang taon na hinuhulugan ko yung mga investments na kinuha ko, smooth naman ang pagbabayad ko ng monthly downpayment para dun sa dalawang lote ko sa Bulacan at monthly amortization naman sa Condo unit na nakuha ko sa McKinley Hills, Fort Bonifacio.

Pero may mga panahon na di mo inaasahan biglang magkakaroon ng emergency na di mo maiiwasan. Nung January 2008, habang nagttrabaho ako dito sa Japan ay biglang may napakalungkot na balitang gumising sa akin. Tumawag ang pamangkin ko galing sa pinas na binawian ng buhay ang panganay kong kapatid na babae. Nung narinig ko ang balitang yun hindi ako makapaniwala sa narinig ko, hanggang sa naramdaman ko na totoo na yung balita at agaran akong nagpaalam sa company ko sa Japan para makauwi ng Pilipinas at asikasuhin ang nakatatanda kong kapatid na binawian ng buhay. Nung buwan na yun ay sya rin mismong buwan na kelangan ko magbayad ng lumpsum para sa nakuha kong Condo unit. Kelangan ko mag-issue ng Php 106,000. Nung time na yun, imbes na masiraan ako ng loob, nag-isip agad ako ng paraan kung paano ko ma-cope up yung gastusin sa biglaang pangyayari na yun. Nag-salary loan ako sa company ko sa Manila at yun ang ginamit ko para sa lahat ng gastusin ng kapatid ko. Ang akala ko noon ay di ko na kayang bayaran ang mga hinuhulugan kong investments pero tuloy pa rin, hindi ako nagpatalo sa sitwasyon na yun. Bumalik agad ako sa Japan para ituloy ang project assignment ko at umusad sa gulong ng buhay. Nagsikap ako at nag-ipon para mabayaran ang ni-loan ko sa company at sa awa ng diyos nabayaran ko din naman at bumalik sa normal ang financial status ko na nababayaran ko ng maluwag ang mga investments ko.

Pagkatapos noon, February 2009 nakauwi na ako sa Pilipinas dahil katatapos lang ng project assignment ko sa Japan. May isa na namang emergency ang bumigla sa akin dahil may accute ulcer na pala ang aking ina at biglaang itinakbo sa hospital. Medyo delicate yung naging sakit nya dahil nag-bbleed yung loob ng tiyan nya kaya kinailangan na i-confine sya ng tatlong araw. Nung time na yun, katatapos ko lang din magbayad ng lumpsum na Php 106,000 dahil every January of the year ako nagbabayad para sa kinuha kong condo unit. Medyo kapos na naman ako nung time na yun kaya wala akong ibang naging takbuhan kundi ang mag-salary loan sa company at sumuporta din sa akin ang panganay kong kapatid na lalaki. Sa awa ng diyos ay nairaos din ang problemang iyon at nagamot naman at ligtas ang aking ina. Pagkaraan ng isang buwan, bumalik din agad ako sa Japan para sa panibago na namang project assignment. Nagpapasalamat ako dahil nakikisama ang panahon at yun ang pagkakataon para makabawi at mabayaran ko ang nahiram kong pera sa kumpanya. Sa ngayon, unti-unti nababawasan at mababayaran ko na yung perang nahiram ko at kahit paano nakakaahon na ulit. Pagkatapos ng mga pangyayaring iyon, dalawa ang lessons na natutunan ko.. Una, kailangan talaga naglalaan tayo palagi ng emergency fund na hindi natin ginagalaw para sa mga times na di natin inaasahan ay mayroon tayong mapagkukunan. Pangalawa, hindi tayo dapat umasa sa perang kinikita natin sa sweldo. Dapat nag-iisip pa rin tayo gumawa ng paraan na kumita sa ibang alam nating legal na paraan. Isang malaking challenge sa akin ang karanasan na yun at lalong tumatag ang tiwala ko na sa bawat problema ay may katapat na solusyon basta nagsisikap lang tayo palagi at nagdarasal.

Awa ng diyos, bumalik naman sa normal ang paghuhulog ko ngayon sa mga investments. Pangatlong taon ko nang nagbabayad ng amortization para sa Condo unit na kinuha ko at mai-turn over na sa akin yung unit at title sa February 2011. Makukumpleto ko na rin ang downpayment amount para sa dalawang lote na nakuha ko sa bulacan sa susunod na taon. Kung ihahalintulad natin ang mundo ng investment, para tayong nagpapaaral ng isang kolehiyo na tuluy-tuloy ang hulog mo ng sustento para sa pamasahe at kung iisipin mo naman ang lumpsum ang tuition fee. Nasusubok ang pagiging responsable mo sa pagbabayad at natuto ka din disiplinahin ang sarili mo na sa pagtanggap ng sweldo, may nakalaan ng halaga na itatabi para sa mga investments. Para sa akin, hindi mahalaga kung ano yung mga hirap at pagsubok na naranasan ko kundi kung ano ang mga natutunan ko sa mga karanasan na yun na syang nagbigay ng karagdagang kaalaman sa akin para sa mga susunod pang pagsubok na darating at di inaasahan. (Continuation: Pinoy Self-help Investing No.9)

Develop A Positive Mindset - Part 3

Bo Sanchez - Spiritual preacher and Motivational speaker.

Ralph Marston - See Yourself, The way you see yourself becomes the way you make yourself. How do you see yourself?

If you see yourself as always struggling, you will always struggle. If you see yourself as never getting ahead, you will not get ahead.

Your view of yourself is a self-fulfilling prophecy. Fortunately, you can make that view whatever you wish.

Choose to truly see yourself as effective, creative, patient, disciplined, enthusiastic and abundantly prosperous. See yourself as loving, caring, ever thankful and positive.

Imagine yourself in rich detail to be the kind of person who easily and naturally achieves those very special dreams you treasure most. See yourself living life at its best and most fulfilling.

Each time you think of yourself, see yourself as the best you can imagine. And the reality of your life will be true to your most sincere self-image.

Develop A Positive Mindset - Part 2

Bo Sanchez - Spiritual preacher and Motivational speaker.

Bill FitzPatrick - Maintain A Positive Mental Attitude, A positive mental attitude results from a life dedicated to self-improvement and service. With a personal commitment to doing your best today, you don't have to be overly concerned about tomorrow. You can be confident that good things will happen and be equally confident that if trouble comes you will have the strength and skills to cope, take control and then conquer. You are tough. You stay at it. You don't allow your doubts to destroy your dreams. Hope does spring eternal.

You are thankful to have the curiosity to keep learning. You are grateful to see opportunity knock so often. You are thankful to have the personality to keep making new friends. Your mind can only hold one thought at a time so make that one thought positive. Count your blessings. The way is clear. The world is a better place because you are in it.

Develop A Positive Mindset - Part 1

Bo Sanchez - Spiritual preacher and Motivational speaker.

Ralph Marston - Positive Perspective, Your situation is what it is. Yet your perspective on that situation is whatever you choose for it to be.

You will see what you decide to see. You will experience what you expect to experience.

No one is really a victim of circusmtance. But many are victims of the way they interpret and relate to their circumstances.

Choose to dwell on the positive possibilities. And you'll see abundant opportunities for bringing those possibilities to life.

Don't let yourself get thrown around by random occurences. Be proactive in your optimism and learn to live the real goodness that is in every moment.

Whatever you are faced with, there is so much good and useful value that you can find in it. Live with a positive perspective, and you'll live richly no matter what.

Visualize your dreams

Alvin T. Tabanag - A personal money management coach and a Registered Financial Planner.

Visualize your dreams, Use "visualization" to keep you inspired and always doing what's necessary for you to achieve your goals. It is a powerful technique that will help you succeed. Many outstanding athletes use visualization to improve their performance and make them big winners. They practice their moves in their mind and imagine themselves winning. If it works for them, it should also work for you.

When you visualize, you create a "mental" picture of what you want to happen. In other words, you imagine your dreams coming true. Halimbawa, kung bahay ang iyong pangarap, isipin mo na nasa labas ka ng bago mong bahay, nagrerelax at minamasdan ang ganda nito habang umiinom ng malamig na beer. Find time everyday to visualize your goals; pagkagising sa umaga, bago matulog, habang naliligo, habang nakapila sa terminal ng bus o habang kumakain. (Pero kung may kasama ka, kausapin mo naman para di nya masabi na masungit ka o nawawala ka sa sarili lalo na kung panay ang tingala mo.)

If you have a poor imagination, look for a picture that closely represents your goal and cut it out; it could be a picture of a house, a car, the beach, Disneyland or bundles of cash. Put the picture in a place where you can see it everyday; sa pintuan ng ref, sa salamin ng dresser, sa cubicle or desk mo sa office, sa gilid ng computer screen o sa pintuan ng CR para makita mo during your "very private moments."

Include feelings, sounds and smell in your visualization to make it more effective. Imagine how happy you'll feel when your dream becomes a reality. Isipin mo ang preskong bango ng loob ng bago mong kotse o ang masasayang halakhak ng mga anak mo habang naghahabulan sa bakuran ng bago mong tahanan. The mind is a powerful tool. Half the battle is won in the mind; use it to succeed.

Sweets Business

Go Negosyo Big Time!

Go Negosyo. Advocacy founded by Jose Ma. Concepcion III (RMF Corp.) >> Sweets Business, Passion. Perseverance. Research. - It's a proven formula of success. When you are planning to venture a business, discover and follow your passion. Do it without point of reference but on your own unique way.

Pinoy Self-help Investing No.7

Story of my Investing Adventures - Brilliant Reader

Pinoy Self-help Investing No.7, Bago ko pinasok ang investing sa real-estate at kumuha ng condominium unit sa Megaworld at dalawang residential lot sa Asianland, inassess ko muna yung monthly income ko. Inalam ko kung yung pera ba na ilalagay ko sa investment eh hindi magbibigay ng financial trouble sa akin in a way na baka kulangin yung budget ko sa pang-araw araw na gastos. Nag-compute ako ng monthly income ko less yung possible na ihuhulog ko as amortization sa mga investments. Lumalabas na almost 60% ng income ko eh enough para ilagay sa investment at yung 40% naman eh para sa panggastos ko at suporta sa family ko.

Nung time kasi na kumuha ako ng investment eh tapos ko na pina-aral yung pamangkin kong lalaki. Kaya nung dumating yung opportunity na iyon eh di na ako nagdalawang isip na pasukin ang investment kasi gusto ko rin naman bigyan ng pagkakataon ang sarili ko na makapag-ipon. Tapos na ang responsibility ko sa pagpapa-aral ng pamangkin ko kaya dapat isipin ko rin naman ang future ko. Tulad ng marami sa atin, lumaki ako sa pamilya na hindi pinalad pagdating sa financial aspect ng buhay. Kaya nagsumikap ako na makahanap ng trabaho at kumita ng ipangsusuporta ko sa pamilya ko at sa mga pangangailangan ko. Malamang marami ang nakakarelate sa naging experience ko at kasalukuyan eh nag-iisip na rin kung paano ba nila gagamitin yung perang kinikita nila na hindi darating ang panahon na mauubos rin lang.

Mahalaga talaga na dapat tignan mo kung meron kang steady income kasi yun ang basis para makapag-umpisa ka ng investment. Kapag sinabi mong investment, hindi ito yung one time mo lang huhulugan kundi may certain period of time na kelangan mo punan yung investment mo. Especially sa real-estate, depende sa value ng property o lupa na tingin mo kaya mo hulugan buwan-buwan at kaya mong tapusin bayaran. Ikaw din mismo ang makakapagsabi kung kaya mo o hindi base sa monthly income mo. May mga real-estate investment tulad ng lupa na magd-down ka lang ng Php 10,000 for reservation at maghuhulog ka ng 2,350 buwan buwan hanggang sa makumpleto mo yung pagbabayad ng downpayment. Pagkatapos, i-apply mo sa in-house financing o pwede rin sa bank financing or loan yung natitira mong balance para mapasayo na ang titulo nung lupa na kinuha mo. Maraming mga bangko ang nagbibigay ng financial support para sa ating mga small investors na walang sapat na kakayahan para bayaran ng buo yung price ng property na kinuha natin. Ikaw din ang pipili kung ilang taon ang gusto mo na method ng pagbabayad dun sa loan na kinuha mo. Kung gusto mong mabilis matapos bayaran at tingin mo naman kaya mong magbayad ng mataas na amount eh pwede mo kunin yung 3 years or 5 years lang. Kadalasan pagdating sa mga real-estate property ang range na recommended ay 10 to 15 years para hindi masyadong mabigat ang pagbabayad buwan buwan.

Ngayon, dapat tignan mo rin kung saan mo ba huhugutin yung perang ipambabayad mo sa monthly amortization ng loan na kinuha mo. Katulad ng ginawa ko, para hindi lahat sa monthly salary ko kinukuha yung pambayad ko eh nag-isip at humanap ako ng mga part-time jobs na pwede ako magkaron ng extra-income. Dun naman sa hahanapin mong part-time, dapat ang kukunin mo ay yung hindi malayo sa kakayahan mo o yung tinatawag na naayon sa passion mo. Yung trabaho na kahit napapagod ka eh hindi mo yun iniinda dahil masaya ka na ginagawa mo yun. Ang una kong naging part time job ay ang buy & sell. Dahil sa computers ang skills at line ko at sa Japan ako nagttrabaho eh tumingin ako ng mga second hand laptops na mabibili ko ng mura at pinapadala ko sa contact ko sa pinas na sya namang nagbebenta at dinadagdagan ng konting halaga para kumita. Sa ganong paraan nagkaron ako ng konting kita na pwede ko ipangdagdag sa halagang hinuhulog ko sa mga investments na kinuha ko. (Continuation: Pinoy Self-help Investing No.8)

Expect the Best and Get It

Norman Vincent Peale - Inspirational writer of a generation

Expect the Best and Get It, "WHY DOES MY boy fail in every job he gets?" asked a puzzled father about his thirty-year-old son.

It was indeed difficult to understand the failure of this young man, for seemingly he had everything. Of good family, his educational and business opportunities were beyond the average. Nevertheless, he had a tragic flair for failure. Everything he touched went wrong. He tried hard enough, yet somehow he missed success. Presently he found an answer, a curiously simple but potent answer. After practicing this newfound secret for a while he lost the flair for failure and acquired the touch of success. His personality began to focus, his powers to fuse.

Not long ago at luncheon I could not help admiring this dynamic man at the height of his power. "You amaze me," I commented. "A few years ago you were failing at everything. Now you have worked up an original idea into a fine business. You are a leader in your community. Please explain this remarkable change in you."

"Really it was quite simple," he replied. "I merely learned the magic of believing. I discovered that if you expect the worst you will get the worst, and if you expect the best you will get the best. It all happened through actually practicing a verse from the Bible."

"And what is that verse?"

"If though canst believe, all things are possible to him that believeth.' (Mark 9:23) I was brought up in a religious home," he explained, "and heard that verse many times, but it never had any effect upon me. ONe day in your church I heard you emphasize those words in a talk. In a flash of insight I realized that the key I had missed was that my mind wa not trained to believe, to think positively, to have faith in either God or myself. I followed your suggestion of putting myself in God's hands and practiced your outlined techniques of faith. I trained myself to think positively about everything. Along with that I try to live right." He smiled and said, "God and I struck up a partnership. When I adopted that policy, things began to change almost at once for me. I got into the habit of expecting the best, not the worst, and that is the way my affairs have turned out lately. I guess it's a kind of miracle, isn't it?" he asked as he concluded his fascinating story.

Maintain Your Presence

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

Action Principle No.36 >> Maintain Your Presence, Your contented presence shows an air of simple elegance and refinement in attitude and form. You appear physically, emotionally and spiritually strong, yet you seem to have even greater strength in reserve. You are poised, coordinated and balanced. You command with effortless, assured confidence. Be calm. Be deliberate. Feel assured and alert. Look good. Feel good. Keep your head up and your shoulders back. Keep your eyes forward. Breath deeply. Speak with a soft voice in a thoughtful manner. Rarely interrupt. Be brief. Walk with a purpose. Don't rush. Have a firm handshake. Your eyes are friendly. Your demeanor is respectful. Let your smile begin in your mind. You exhibit both style and class. First impressions are lasting.

The things you want drawn to you will come as a result of your good nature and determined persistence. Pause and savor the moment. Begin your work.

Pinoy Self-Help Investing No. 6

Story of my Investing Adventures - Brilliant Reader

Pinoy Self-help Investing No.6, Napakalaking bagay talaga yung habang bata pa eh nag-uumpisa ka nang mag-ipon at mag-invest. Hindi tayo dapat mag-stick sa lumang kasabihan na mag-enjoy muna habang bata pa. Ang pinaka-wise na mindset ay magsipag at magtiyaga habang bata pa at malakas pa dahil kapag tumanda ka eh dun mo aanihin yung mga pinaghirapan mo. I believe marami sa mga parents natin o mga mas nakatatandang relatives ay iisa ang mga sinasabi, "Kung maibabalik ko lang ang panahon, hindi sana ako naghirap ngayon". Average ng tao sa lipunan kung mapapansin natin eh halos pare-pareho ng pinagkakaabalahan sa buhay. Magttrabaho mula monday hanggang friday tapos gigimik pagdating ng saturday and sunday.

Mahalaga na dapat maging aware tayo sa pag-spend ng pera natin. Halos lahat ng mga books na nabasa ko about saving and investing ay iisa ang pinapayo. Gawin dapat nating rule na wag hayaang mas malaki ang halagang inilalabas o ginagastos natin kesa perang kinikita o sweldong natatanggap natin. Madalas sinasabi ng karamihan sa atin eh "Di bale nang maubos ang kinita ko, ang importante masaya naman at nag-enjoy ako", ito yung nag-uudyok sa atin para maging careless at na-overlooked na natin na may future pa na naghihintay sa atin at nakaabang na malaking responsibility. Di natin naiisip na darating ang araw na mag-aasawa na tayo, magkakaron ng mga anak, magpapaaral ng kolehiyo at marami pang bagay na dapat i-konsider. Nagiging balisa na lang tayo kapag dumating na ang time na nagkaka-edad na tayo, may mga sakit nang nagsusulputan at nababaon na sa utang. Isang napaka-popular na solusyon natin kapag wala nang cash na pambili ng mga luho natin eh ang kumuha ng credit card. Ang akala natin eh makakapagpadali ng buhay natin dahil pwede tayo bumili at oo nga naman babayaran na lang pagdating ng sweldo. Hindi natin naiisip na habang ginagamit natin ang credit card eh para na rin natin ginagamit yung perang hindi pa man natin natatanggap eh ubos na. Kaya kadalasan, tinatamad na tayong pumasok sa trabaho kasi alam na natin na pagdating ng sweldo eh ipambabayad lang din naman at wala nang matitira.

Nakakalungkot na halos karamihan ganito ang nagiging life style natin. Kahit alam na natin o nakikita na natin base sa karanasan ng mga magulang natin eh yun pa rin ang sinusundan natin. May impluwensya na rin siguro dito yung environment kung saan ang nakikita natin eh ganitong istilo o trend ng pamumuhay. Isang magandang solusyon dito ay huwag natin i-pattern yung sarili natin sa kung ano yung kadalasan nakikita natin. Dapat maging matalino rin tayo sa pag-observe ng kung ano yung applicable at hindi dapat gayahin. Bumili tayo ng mga libro na nagtuturo about saving and investing kasi lahat ng mga mababasa natin dito eh ayon sa mga experiences ng authors at kadalasan proven na rin yung results. Kung anuman yung mga napulot nating aral o tips eh subukan din nating i-apply sa actual na pamumuhay para mas makita natin kung epektibo ba o hindi. Huwag tayo matakot sa mga possible risks o failures dahil part talaga yun. Ang bata, bago yan makapaglakad ng tuwid eh talagang nadadapa. Kelangan bago pa man dumating ang risk, napag-isipan na rin natin kung pano natin ma-mitigate iyon ng hindi din ganon kabigat ang impact kung sakaling ma-encounter man natin.

Palagi natin tandaan, isang malaking paraan para hindi tayo mabaon sa utang ay wag tayo gagastos ng mas malaking halaga sa kinikita natin. Kung manghihiram man tayo o mangungutang sa bangko, siguraduhin natin na may ilalaan tayo para sa negosyo ng sa gayon yung kikitain natin sa negosyo ang magiging kapalit pambayad sa interest ng perang hiniram natin. Kadalasan ang nangyayari, kapag nangungutang tayo eh yung interest na lang ang binabayaran natin at hindi yung kapital kaya masaya si Bombay na nangongolekta ng kanyang pautang. Hindi masama ang mangutang basta alam natin kung paano i-disiplina ang sarili sa pagbabayad. Lagi natin babantayan yung interest na binabayad natin at wag magfocus sa perang hiniram. Minsan kasi kapag andyan na ang pera eh sige lang tayo kahit magkano ang interest, tapos sa bandang huli dun na sumasakit ang ulo natin kung paano mababayaran.

Isa pang dapat tandaan natin palagi ang concept ng "Good Debt" at "Bad Debt". Kapag sinabi mong "Good Debt", ito yung mangungutang ka ng pera sa bangko o sa kaibigan mo tapos gagamitin mo pang-negosyo. Ngayon, yung perang kinita ng negosyo mo ang ipambabayad mo sa halagang nautang. Nakapagbayad ka na, may kinita ka pa ng wala ka namang nailabas na pera. Ito yung technique kung saan nagpapasok ka ng pera sa wallet mo ng hindi galing sayo ang kapital o puhunan. Simpleng idea ito kung paano tayo makakapag-generate ng income sa perang hiniram o inutang natin. "Bad Debt" naman ang tawag sa perang hinihiram o inuutang mo pero pinambibili mo lang ng mga luho o pinang-gigimik mo lang. Parang nag-igib ka tapos natapon lang ang tubig na laman ng balde mo kaya ngayon kelangan mo yun palitan at paghirapan na punuin ulit. Ang isang halimbawa nito ay ang credit card, kapag ginamit natin pambili ng kung anu-anong mga kagamitan na hindi naman nagbabalik ng value o pera sa atin eh maituturing natin itong "Bad Debt", kasi binabaon lang tayo sa utang. (Continuation: Pinoy Self-help Investing No.7)

Go the Extra Mile!

Bo Sanchez - Spiritual preacher and Motivational speaker.

Ralph Marston - Go ahead and get it done, Don't waste your effort worrying about what you have not done. Spend your time working on what you now can do.

It's amazing how much you can accomplish when your heart is in it. Drop the doubts, self-criticisms, and anxieties, and positively put your heart into what you're doing.

Enjoy the delicious feeling of making real progress based on your own focused efforts. Have fun watching yourself accomplish as you complete each task.

Taking effective, meaningful action will put you in a positive frame of mind. And that will open the door to many great new possibilities.

Go beyond wondering about it, or thinking it through, or planning for it. Just go ahead and get it done.

Choose your destiny and delight in the fulfilling effort that makes it happen. You can do it, and now is when.

How to Create Your Own Happiness

Norman Vincent Peale - Inspirational writer of a generation

How to Create Your Own Happiness, Who decides whether you shall be happy or unhappy? The answer - you do!

A television celebrity had as a guest on his program an aged man. And he was a very rare old man indeed. His remarks were entirely unpremeditated and of course absolutely unrehearsed.

They simply bubbled up out of a personality that was radiant and happy. And whenever he said anything, it was so naive, so apt, that the audience roared with laughter. They loved him. The celebrity was impressed, and enjoyed it with the others.

Finally he asked the old man why he was so happy. "You must have a wonderful secret of happiness," he suggested.

"No," replied the old man, "I haven't any great secret. It's just as plain as the nose on your face. When I get up in the morning," he explained, "I have two choices - either to be happy or to be unhappy, and what do you think I do? I just choose to be happy, and that's all there is to it."

That may seem an oversimplification, and it may appear that the old man was superficial, but I recall that Abraham Lincoln, whom nobody could accuse of being superficial, said that people were just about as happy as they made up their minds to be. You can be unhappy if you want to be. It is the easiest thing in the world to accomplish. Just choose unhappiness. Go around telling yourself that things aren't going well, that nothing is satisfactory, and you can be quite sure of being unhappy. But say to yourself, "Things are going nicely. Life is good. I choose happiness," and you can be quite certain of having your choice.

Forget Everybody

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

Action Principle No.35 >> Forget Everybody, Not everybody wants to do business with you. Not everybody wants to be your friend. Not everybody wants world peace. Not everybody wants to work hard. Not everybody wants to be president.

Not everybody is smart enough to be a rocket scientist. Not everybody is fast enough to run in the Olympics. Who is helped by pretending otherwise?

Trying to accomodate everybody is a trap. It can't be done. Be yourself. People know their own problems better than you do. Not everybody will listen to reason or even act in his or her own best interest. You can.

A Peaceful Mind Generates Power

Norman Vincent Peale - Inspirational writer of a generation

A Peaceful Mind Generates Power, At breakfast in a hotel dining room three of us fell to discussing how well we had slept the night before, a truly momentous topic. One man complained of a sleepless night. He had tossed and turned and was about as exchausted as when he retired. "Guess I'd better stop listening to the news before going to bed,"he observed. "I tuned in last night and sure got an ear full of trouble"

That is quite a phrase, "an ear full of trouble." Little wonder he had a disturbed night. "Maybe the coffee I drank before retiring had something to do with it, " he mused.

The other man spoke up, "As for me, I had a grand night, I got my news from the evening paper and from an early broadcast and had a chance to digest it before I went to sleep. Of course," he had a chance to digest it before I went to sleep. Of course, " he continued, "I used my go-to-sleep plan which never fails to work."

I prodded him for his plan, which he explained as follows: "When I was a boy, my father, a farmer, had the habit of gathering the family in the parlor at bedtime and he read to us out of the Bible. I can hear him yet. In fact, every time I hear those Bible verses I always seem to hear them in the tone of my father's voice. After prayers I would go up to my room and sleep like a top. But when I left home I got away from the Bible reading and prayer habit.

"I must admit that for years practically the only time I ever prayed was when I got into a jam. But some months ago my wife and I, having a number of difficult problems, decided we would try it again. We found it a very helpful practice, so now every night before going to bed she and I together read the Bible and have a little session of prayer. I don't know what there is about it, but I have been sleeping better and things have improved all down the line. In fact, I find it so helpful that even out on the road, as I am now, I still read the Bible and pray. Last night I got into bed and read the 23rd Psalm. I read it out loud and it did me a lot of good."

He turned to the other man and said, "I didn't go to bed with an ear full of trouble. I went to sleep with a mind full of peace."

Well, there are two cryptic phrases for you - "an ear full of trouble" and "a mind full of peace." Which do you choose?

The essence of the secret lies in a change of mental attitude. One must learn to live on a different thought basis, and even though thought change requires effort, it is much easier than to continue living as you are. The life of strain is difficult. The life of inner peace, being harmonious and without stress, is the easiest type of existence. The chief struggle then in gaining mental peace is the effort of revamping your thinking to the relaxed attitude of acceptance of God's gift of peace.

As an illlustration of taking a relaxed attitude and therefore receiving peace, I always think of an experience in a certain city where I lectured one evening. Prior to going on the platform I was sitting backstage going over my speech when a man approached and wanted to discuss a personal problem.

I informed him that at the moment it was impossible to talk as I was just about to noticed him in the wings nervously pacing up and down, but afterward he was nowhere about. However, he had given me his card, which indicated that he was a man of considerable influence in that city.

Back at my hotel, although it was late, I was still troubled by this man so I telephoned him. He was surprised at my call and explained that he did not wait because obviously I was busy. "I just wanted you to pray with me," he said. " I thought if you would pray with me, perhaps I could get some peace."

"There is nothing to prevent us from praying together on the telephone right now," I said.

Somewhat in surprise, he replied, " I have never heard of praying on the telephone. "

"Why not?" I asked. "A telephone is simply a gadget of communication. You are some blocks from me, but by means of the telephone we are together. Besides, " I continued, " the Lord is with each of us. He is at the both ends of this line and between. He is with you and He is with me."

"All right," he conceded. " I'd like to have you pray for me." So I closed my eyes and prayed for the man over the telepone, and I prayed just as though we were in the same room. He could hear and the Lord could hear. When I finished I suggested, "Won't you pray?" There was no response. Then at the other end of the line I heard sobbing and finally, " I can't talk, " he said.

" Go on and cry for a minuete or two and then pray," I suggested.

"Simply tell the Lord everything that is bothering you. I assume this is a private line, but if not, and if anybody is listening, it won't matter. As far as anyone is concerned, we are just a couple of voices. Nobody would know it is you and I."

Bookstore Business

Go Negosyo Big Time!

Go Negosyo. Advocacy founded by Jose Ma. Concepcion III (RMF Corp.) >> Bookstore Business, Passion. Perseverance. Research. - It's a proven formula of success. When you are planning to venture a business, discover and follow your passion. Do it without point of reference but on your own unique way.

Believe in Yourself

Norman Vincent Peale - Inspirational writer of a generation

Believe in Yourself, Have faith in your abilities! Without a humble but reasonable confidence in your own powers you cannot be successful or happy. But with sound self-confidence you can succeed. A sense of inferiority and inadequacy interferes with the attainment of your hopes, but self-confidence leads to self-realization and successful achievement.

It is appalling to realize the number of pathetic people who are hampered and made miserable by the malady popularly called the inferiority complex. But you need not to suffer from this trouble. When proper steps are taken, it can be overcome. You can develop creative faith in yourself - faith that is justified.

After speaking to a convention of businessmen in a city auditorium, I was on the stage greeting people when a man approached me and with a peculiar intensity of manner asked, "May I talk with you about a matter of desperate importance to me?"

I asked him to remain until the others had gone, then we went backstage and sat down.

"I'm in this town to handle the most important business deal of my life," he explained. "If I succeed, it means everything to me. If I fail, I'm done for."

I suggested that he relax a little, that nothing was quite that final. If he succeeded, that was fine. If he didn't, well, tomorrow was another day.

"I have a terrible disbelief in myself," he said dejectedly. "I have no confidence. I just don't believe I can put it over. I am very discouraged and depressed. In fact, " he lamented, "I'm just about sunk. Here I am, forty years old. Why is that all my life I have been tormented by inferiority feelings, by lack of confidence, by self-doubt? I listened to your speech tonight in which you talked about the power of positive thinking, and I want to ask how I can get some faith in myself."

"There are two steps to take," I replied, "First, it is important to discover why you have these feelings of no power. That requires analysis and will take time. We must approach the maladies of our emotional life as a physician probes to find something wrong physically. This cannot be done immediately, certainly not in our brief interview tonight, and it may require treatment to reach a permanent solution. But to pull you through this immediate problem I shall give you a formula which will work if you use it.

"As you walk down the street tonight I suggest that you repeat certain words which I shall give you. Say them over several times after you get into bed. When you awaken tomorrow, repeat them three times before arising. On the way to your important appointment say them three additional times. Do this with an attitude of faith and you will receive sufficient strength and ability to deal with this problem. Later, if you wish, we can go into an analysis of your basic problem, but whatever we come up with following that study, the formula which I am now going to give you can be a large factor in the eventual cure."

Following is the affirmation which I gave him - "I can do all things through Christ which strengtheneth me." (Philippians 4:13) He was unfamiliar with these words so I wrote them on a card and had him read them over three times aloud.

"Now, follow that prescriptions, and I am sure things will come out all night."

He pulled himself up, stood quietly for a moment, then said with considerable feeling, "O.K., Doctor. O.K."

I watched him square his shoulders and walk out into the night. He seemed a pathetic figure, and yet the way he carried himself as he disappeared showed that faith was already at work in his mind.

Subsequently he reported that this simple formula "did wonders" for him and added, "It seems incredible that a few words from the Bible could do so much for a person."

Learn From Others

Bo Sanchez - Spiritual preacher and Motivational speaker.

Learn From Others, When you pattern your ventures with the guidance of successful mentors, you actually prevent yourself from doing a possible mistake. Don't hesitate to ask other people who already done what you are planning to do. Seek for their guidance and from their start your step towards the achievement of your dreams. Open yourself to many possibilities and give your best to make it happen.

Pinoy Self-Help Investing No.5

Story of my Investing Adventures - Brilliant Reader

Pinoy Self-help Investing No.5, Isa na rin sa dahilan kung bakit kinuha ko itong 96sqm residential property sa Grand Royale, Malolos Bulacan ay para sa mother at mga pamangkin ko. Sa ngayon kasi nag-rrent lang kami sa isang apartment sa may Taguig, malapit sa Office ko. Nagbabayad kami ng Php 5,500 monthly para sa renta. Good thing, naging kaibigan ko yung mismong landlord ng apartment. Dapat Php 6,000 talaga yung monthly rent fee pero nagawa kong hingian ng Php 500 discount. Malaking bagay din talaga yung marunong kang makisama, lalo na kung alam mong may mahalagang ugnayan sayo yung tao. Nakilala ko itong si Kuya Rey, may-ari ng apartment na inuupahan namin sa isang kaibigan ko na dati ko rin ka-schoolmate nung College pa ako.

May 3 units itong apartment nila Kuya Rey, yung unang room na maliit ay Php 3,500 ang monthly rental fee. Nung first year dun muna kami kasi medyo mura, pero di nagtagal eh lumipat kami dun sa next room na mas maluwag kasi maliit yung room na yun lalo na kapag dumarating yung ibang relatives namin para bumisita. Nung lumipat kami, naisip ko na wag i-give up itong maliit na room kasi nung time na yun medyo nag-aaral pa lang din ako ng about real-estate investment at apartments rental procedures. Ang ginawa ko, tinuloy ko pa din ang pagbabayad ng renta dun sa maliit na room ng Php 3,500 pero hinanapan ko ng tenant o mangungupahan. As experiment, bumili ako ng 1 double deck, 16 inches Colored TV, 5 cubic refrigerator, table at 2 chairs then nilagay ko dun sa maliit na room. Sinubukan ko kung may magkakaron ng interesadong tenant dun sa maliit na room provided na may mga gamit akong nilagay. Ang ginawa ko, nagpost ako ng advertisement sa BuySell.ph free ads posting at pinost ko yung features ng unit for only Php 6,000 per month. Noon mismong araw na yun, maraming akong natanggap na mga text, tawag at emails ng mga potential tenants. Tinatanong nila yung location, kung accessible daw ba sa makati, ayala area. Ang maganda dun, sobrang accessible ng location kasi may way papuntang Fort Bonifacio, Market market, Makati or Ayala Area, at accessible din papuntang NAIA airport o kahit papuntang South Luzon. So, nung time na yun andito ako sa Japan at yung pamangkin ko lang ang nasa apartment kaya tinawagan ko yung pamangkin ko para i-meet yung mga potential tenants at para ipakita yung unit. Halos araw-araw may mga tumitingin ng unit at interesado kunin.

Maraming klase ng tenant ang tumitingin, meron ang gusto lang ay for vacation purposes, meaning atleast mga 1 to 3 months lang nila gusto mag-stay sa unit. Meron din naman gusto nila ipareserve lang yung unit then after 2 months pa sila lilipat at meron din atleast 1 to 2 years nila gusto mag-stay sa unit. So, sa pagpili ng tenant natutunan ko din kung paano mo dapat i-evaluate. Dapat tignan mo kung alin ang priority mo. Sa case ko, dahil bumili ako ng mga gamit dun sa unit na halagang Php 22,000 dapat humanap ako ng tenant na makakapg-start na magbigay ng rent dun sa unit. Kung ang binabayaran ko sa landlord ay Php 3,500 at pinapa-upahan ko sya ng Php 6,000 lumalabas na may Php 2,500 na agad ako per month. Yun ang tinatawag na Lease, ibig sabihin ipinagkasundo mo sa landlord na upahan yung unit para paupahan din sa ibang tenants provided na may additional features kang nilagay sa unit para reasonable na maitaas mo yung rent per month.

2 weeks after ng pagpili ng tenants, ang napili kong tenant ay yung magka-officemates na nagttrabaho sa call center sa Makati area. Isang sakay lang sila ng Jeep or taxi papuntang office at sobrang convenient kasi hindi traffic dun sa lugar. May 11 months na silang nagre-rent ngayon dun sa unit at according sa feedback na narinig ko sa kanila eh ayaw nilang iiwan yung unit dahil sobrang convenient at hindi nila pino-problema yung mga gamit, tahimik ang lugar at wala din silang problema pagdating sa tubig at kuryente. Sa 11 months na Php 2,500 na rent fee ng tenant, lumalabas na meron ng Php 27,500. Kung i-deduct mo yung naging gastos as capital para sa mga gamit na Php 22,000 ay meron na akong 5,500 return on investment plus yung value ng mga gamit na ay isama pa sa return-on-investment. Kung iisipin mo, parang galing lang din sa tenant yung perang ginamit ko pambili ng mga gamit na nasa unit. Ang kelangan lang ay gamitin ang time. Kadalasan kasi iniisip agad natin yung gastos na ilalabas natin pero yung patience o paghihintay para sa return-on-investment ang madalas na-overlooked natin kaya nagiging hesitant tayo para umpisahan yung idea na naiisip natin.

Sa ngayon, dahil dun sa natatanggap kong Php 2,500 per month, malaking tulong na yun para pambayad sa tubig at kuryente na binabayaran namin. Minsan simple lang yung idea kung paano papaikutin yung pera pero nagiging kumplekado kapag sinasamahan natin ng mga maling paniniwala o pinangungunahan natin ng mga doubts. Natutunan ko rin sa book na nabasa ko na dapat huwag tayong matakot na minsan mag-take ng risk kung pinag-aaralan naman natin kung ano yung posibleng maging resulta at kung alam din natin paano kokontrolin yung negative results. Maraming mga popular na businessmen ang nagsasabi na lahat sila ay nagdaan sa maraming failures bago nila nakamit yung tagumpay sa kung anumang business nila. Hindi naman kasi natin masisigurado na sa isang hakbang eh yun ang resulta na gusto natin. Ang mahalaga handa tayo sa magiging resulta ng pinasok nating negosyo at kahit paano may assumption na tayo sa mga maaring mangyari. Katulad ng inumpisahan ko, alam kong posibleng hindi pumatok yung naisip ko na bilihan ng gamit yung unit kasi maliit lang pero bago pa mangyari yun inisip ko na kung paano ba ang gagawin ko kung sakaling walang magka-interest na magrenta dun sa unit? Syempre inisip ko na pwede naman namin gamitin yung 1 double deck, TV at refrigerator pang personal na gamit. Ang mahalaga na-try mo gawin yung idea na tingin mong may magandang resulta. Kung mag-fail man ay di mo pagsisihan kasi handa ka sa resulta.

Minsan malaki din ang role ng mindset ng tao sa kung anong future ang pwedeng dumating. Kung puro negative ang iisipin mo about investing, siguradong wala kang mauumpisahan at lagi ka lang nasa safe area. Meaning, kung ano yung tingin mo alam mo na ang kahihinatnan at kaya mong i-handle ang epekto eh dun ka na lang lagi mag-stay. Pero kung lalakasan mo ang loob mo para i-try ang mga idea na naiisip mong may magandang resulta ay malaki ang difference at possibility na magtagumpay ka. Common kasi sa atin ay takot sa risk, takot na subukan yung mga ideas na tingin nating may mawawala sa atin, mas gusto natin yung anticipated na natin ang mangyayari. Isang halimbawa na lang, yung perang kinikita natin buwan buwan mas gusto natin ilagay na lang sa savings kesa magtry tayong mag-invent ng negosyo. Hindi natin alam na yung perang nilalagay natin sa bangko ay syang ginagamit ng mga may-ari ng bangko para gamitin as investment.

Isang naisip ko nga, kung yung pera kong nakalagay sa bangko ay kumikita lang ng 1%, pero yung mismong bangko na gumagamit ng pera ko ay kayang kumita halimbawa ng around 10% pataas dun sa pera ko, bakit hindi na lang ako ang gumawa ng investment instead na ang bangko ang makinabang sa pera ko? Kung iisipin mo sa 10% na kikitain ng bangko, 1% lang ang napupunta sa akin? Na kung ako yung gagawa ng investment na ginagawa nila para sa pera ko ay ako yung tatanggap ng 10%. Yun ang isa pang bagay na nag-udyok sa akin para mag-aral ng investment ideas at kung anu-ano ang mga investments na pwede ko paglagyan ng perang kinikita ko. Syempre, bago natin pasukin ang investment, dapat alamin natin kung yun bang natatanggap natin monthly income ay sapat para maglaan tayo ng investment amount. Bilang beginner, katulad ng karamihan, halos panggastos lang din sa isang buwan ang kinikita ko pero sa konting halaga na tinatabi ko at naiipon, yun ang ginagamit ko para ilagay sa affordable investments. Dapat alam natin kung magkano ba yung para sa investment na kaya nating mawala if ever na hindi maging maganda ang resulta. Sa atin din nakadepende kung paano natin gagawan ng paraan yung source o panggagalingan ng perang i-invest natin para makatulong pandagdag sa kinikita natin. Mahirap ang umasa lang sa monthly pay check dahil kung isang araw eh hindi mo na kayang magtrabaho eh wala ka nang matatanggap na suweldo, unlike kung meron kang ibang investment na magiging source ng income mo kahit paano ay meron ka pa rin matatanggap at makakatulong sa panggastos mo. (Continuation: Pinoy Self-help Investing No.6)

Love Many Things

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

Action Principle No.34 >> Love Many Things, You proportionally increase your chances for happiness by increasing the number of things that you love doing. Love many things and your happiness will escalate into an enthusiasm for life, which will have a positive effect on you and those around you. Seek and enjoy those things that give your life value and purpose.

To love many things, you must be adventurous. A boring life is your own fault. Try new things. Be excited and passionate about life. Feel good. You must be able to see beauty in the grand scheme of things as well as in details.

Discover: music, art, books, food, Tai Chi, karate, theater, movies, sunsets, exercise, friends, gardens and the Internet. Open your mind. Find your preferences. Make your home, office and dojo beautiful places to love. Keep going...

Remember how lucky you are to have so many interests. Happiness may not be a result of financial success. Happiness is a result of loving many things and appreciating what you already have.

Pinoy Self-help Investing No.4

Story of my Investing Adventures - Brilliant Reader

Pinoy Self-help Investing No.4, Kasunod lang ng pagkuha ko sa MegaWorld ng 32sqm pre-selling condominium unit sa McKinley Hill, kumuha naman ako ng 96sqm residential lot area sa Asian Land Strategies Corporation. Nalaman ko ang tungkol dito sa Asian Land sa dati kong Officemate na ngayon ay licensed broker na. Na-established ang Asian Land Strategies Corporation nung April 1994 ng small group of entrepreneurs from Bulacan. Nag-umpisa sila from low-to-medium-cost housing na lumawak sa Northern part ng Luzon.

Ang naging unang project nila ay ang Royale Estates, 5.6 hectare low-to-medium-cost na residential subdivision. Kumpleto ang amenities and along Mc Arthur Highway, Bulihan, Malolos, Bulacan ang location. Nung naging successful ang Royale Estates, na-inspire itong mga entrepreneurs na kumuha ng second project at ito yung Casa Royale, 6.7 hectare residential subdivision along Maharlika Highway, Sapang Putol, San Ildefonso, Bulacan noong August 1994.

Dahil sa tuluy-tuloy na successs ng kanilang projects, kumuha na ng mga staff and agents na makakatulong para sa pag-expand ng real-estate industry hanggang nag-start na silang kumuha ng mas malaking project at ito yung Grand Royale I, 8.2 hectare complete medium cost commercial/ residential complex. Na sinundan ng Phase 2 noong November 1996 ng 9.8 hectare development.

Dahil nakita ng mga entrepreneurs na bumubuo ng Asian Land ang needs ng Filipino na makabili ng affordable price ng residential lot and houses, mabilis na lumawak ang projects nila. Marami na silang nakuhang awards, "2005 Best Real Estate Developer (Bulacan)", "2005 Most Outstanding Real Estate Developer (Luzon)", "2006 Most Outstanding Real Estate Developer (Bulacan)", "Philippines Brilliance Awards For Products and Services - 2006 Best Real Estate Developer (National)".

Nung nakita ko itong proven track records ng Asian Land Strategies, nagkaroon ako ng interest na magventure at kumuha ng residential lot space. Sa pag-assess ng real-estate property, mahalaga yung tignan palagi ang history o previous records ng developer kung ano yung mga ups-and-downs from beginning to present. Bukod dito, mahalaga na pag-aralan yung location ng real-estate property. According sa mga research na ginawa ko, "Bulacan is among the most progressive provinces in the Philippines. Bulacan is well-known for the following industries: Marble and Marbelized Limestone, Jewelry, Pyrotechnics, Leather, Aquaculture, Meat and Meat Products, Garments, Furniture, High-Value Crops, and Sweets and Native Delicacies, and a wide variety of high-quality native products. Bulacan has fast become an ideal tourist destination, owing to its vital role in Philippine history, and its rich heritage in culture and the arts."

Ang kinuha kong 96sqm lot residential property ay sa Grand Royale. Ang lot price ay around Php 400,000 . Nagbigay lang ako ng low-down-payment na Php 10,000 and monthly amortization starting from Php Php 2,345. Napaka-affordable na sa mga katulad nating regular employee at average ang salary na natatanggap monthly. As per AsianLand, "Grand Royale is an Exclusive Subdivision. A new landmark at historic Malolos City in Bulacan, which is a fast growing metropolis within the immediate perimeter of Metro Manila. This is Asian Land Strategies Corporation's flagship project. Only a 30-minute drive from Metro Manila, Grand Royale is a modern community that combines nature's serene beauty and man's ingenuity. Conveniently located within a quiet neighborhood, a place away from the hustle and bustle of the city life with its gracious and luxurious amenities and facilities that fit only royalties, and yet at an incredibly affordable price. "

In consideration for the strategic location, nakita kong magandang opportunity ito as investment kasi napakaganda ng lugar, malapit sa university, schools, wet and dry market, church, hospitals, malls at may mga establishments pang tinatayo ngayon malapit sa Malolos Bulacan. Kaya naman noong July 2007, pinuntahan ko agad ang Office ng Asian Land Strategies sa monumento, Pag-IBIG building. Nakipag-negotiate agad ako kung pwede kong makita yung mga available lot area at kung saan ang magandang kunin. Nung araw din na yun, nagset ng tripping yung Vice-President ng Asian Land, Pearl Division at sinama ako dun sa mismong sites, marami silang mga projects like Dream Crest Homes, The Meadows, Casa Royale, Woodlands of Grand Royale, Casa Buena de Pulilan, Royale Estate, Grand Industrial Estate. Ang napili ko ay yung 96sqm residential lot sa Grand Royale, mga 5 minutes walk from Gate 2. Malapit dun ang main road at wet and dry market. Pinili ko yung mas malapit sa gate para hindi mahirap pagdating sa transportation. Bilang starter investor, syempre wala pa naman akong enough na fund para bumili ng sasakyan kaya ang kinuha ko ay yung practical hindi lang sa location kundi pati sa accessibility ng property. (Continuation: Pinoy Self-help Investing No.5)

Salon Business

Go Negosyo Big Time!

Salon Business Part 1


Salon Business Part 2

Go Negosyo. Advocacy founded by Jose Ma. Concepcion III (RMF Corp.) >> Salon Business, Explore different types of Business. Open your mind to all the possibilities outside your borders. You have the unique skills that others don't have. Discover your talent. Be inspired as you watch Go Negosyo.

Stay Centered

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

Action Principle No.33 >> Stay Centered, In the battles of life, you will take punches, Some may hurt. This too will pass. You are the center of your universe. Take care of your own needs first. Then go to your family, then to friends, neighbors and employees. Move on to the larger communities. Don't use saving the world as an excuse to forget your family. Don't allow others to rush or pressure you to act before you can decide what is right. The most important thing that a father can do for his children is to love their mother.

Stand with your knees slightly bent. Head up. Breathe deeply from your belly. You are a very small part of the grand scheme of things. You are one with the universe. You are everything and nothing. Remain calm, balanced and aware.

Pinoy Self-Help Investing No.3

Story of my Investing Adventures - Brilliant Reader


McKinley Hill - Entrance

Megaworld Stamford Two - under construction

Pinoy Self-help Investing No.3, Sa 2 years na hinuhulugan ko itong condominium unit ko sa Stamford 2 Mckinley Hills, as self-help investor natutunan ko kung pano nakikipag-negotiate o deal sa mga property consultants (sila yung pwede mo pagtanungan ng status ng construction, contract related concerns, annual value appreciation, etc.). Actually, may 3 property consultants nang nagpalit-palit humawak ng unit ko. Sa pakikipagkwentuan ko dun sa isang property consultant, may mga quota daw sila or target per month na dapat maibenta dahil kung hindi nila yun ma-meet eh possible na maalis sila or yung tinatawag nilang suspension. Nakakatuwa kasi hindi lang ang natutunan ko ay yung sa paghandle ng transactions ng condominium unit but also yung mga nangyayari na rin in the process.

Sa pagi-invest, kelangan buo ang vision mo at maganda ang mindset mo sa future ng investment. Hindi kasi mawawala dyan na may mga ma-eencounter kang negative people in terms of investing. Like sa mga past experiences ko, may mga nakakausap akong ang sinasabi eh "naku, nakakatakot mag-invest ng pera sa pre-selling kasi di mo alam baka pagdating ng panahon eh hindi matuloy ang pag-construct ng building", kung iisipin mo may point nga naman sya. Paano nga naman kung di matuloy ang pag-construct ng condominium? Syempre, isang risk yan. Pero kung alam mo kung saan ka naglalagay ng investment at pinag-aaralan mo din naman kung yung previous history ba ng developer na pinagbilihan mo eh may mga ganong case? So bakit ka bibili sa ganong developer? Sa case ko, kumuha ako sa Megaworld kasi nakita kong lahat ng projects nila ay talagang tinatapos nila at magaganda ang mga locations, very strategic. In fact, Megaworld ang no. 1 competitor ng Ayala ngayon pagdating sa real-estate projects. So, siguro kung wala akong malinaw na vision para dun sa property na kinuha ko at di ko rin pinag-aaralan yung history ng developer, malamang ginive-up ko na yung condominium at nakinig ako sa negative idea na yun.

Hindi talaga maiaalis sa atin na makaramdam ng kaba o takot kasi unang-una yung ini-invest natin ay yung perang pinaghihirapan natin. Pero kagaya nga nung nabasa kong book ni Bo Sanchez "8 Secrets of the Truly Rich", kelangan alam mo rin pag-aralan hatiin yung income mo kung ilang percent ang dapat nasa investment, ilang percent ang nasa life insurance, ilang percent ang nasa emergency fund at kung ilang percent ang for expenses mo. Pinaka-basic idea pagdating sa pag-control ng pera, dapat hindi lumalampas ang expenses mo against sa income mo. Kadalasan kasi sa mindset natin, pagdating ng sweldo iniisip agad natin i-budget sa mga expenses. Madalas napupunta sa mga bagay na luho at hindi yung talagang kelangan. Andyan na yung may ginagamit pang bag pero bibili ng bago at branded pa, considering na maliit lang ang income kaya kung minsan nagkakautang pa. Isang halimbawa na yan ng maling paghawak ng perang pinaghirapan natin. Sabi nga, hindi naman masamang i-spoil mo yung sarili mo sa mga bagay na talagang gusto mo. Pero dapat alam din natin kung kelan natin i-spoil ang sarili natin at yung tamang timing. Hindi yung marami na nga tayong utang panay pa rin ang bili natin ng mga luho. Ang pinakamagandang gawin, dapat kaya natin disiplinahin ang sarili natin na magtabi ng pera para sa luho kung may sobra sa sweldo at yung patience sa paghihintay kung kelan makaluwag, pero dapat hindi nawawala yung magtatabi tayo ng para sa kinabukasan.

Mahalaga talaga yung alamin natin yung mga priorities, ihiwalay natin sa list yung mga kelangan at yung luho para madali natin ma-identify kung alin yung pwedeng hindi paglaanan ng pera. May kasabihan nga, sa ngayon yung mga nag-iinvest daw nagpapakahirap at yung mga hindi nag-iinvest eh nag-eenjoy. Pero bukas, yung mga nag-invest ang nag-eenjoy at yung mga hindi nag-invest naman ang naghihirap kasi umaasa pa rin sa sweldo. Ako yun ang naging malaking takot ko, magmula nung na-realize ko ang investment, kung lagi lang ako umaasa sa sweldo ko kahit pa sabihin nating bata pa ako at malakas pa para magtrabaho pero kung wala naman akong ginagawa para sa future ko, ibig sabihin hindi malabong kahit 50 years old na ako eh nagttrabaho pa rin ako. Yun ang katotohanan at kita ko nang halimbawa nung nagttrabaho ako sa Japan, kahit mga matatanda na talagang nagttrabaho pa rin. Kung minsan may nakakausap ako at tinatanong, gaano ka na katagal nagttrabaho sa company na yan? May nagsasabi 20 years, 30 years at may umaabot pa ng 40 years. Inisip ko sa sarili ko, kung hindi ako gagawa ng paraan ngayon habang bata pa ako malamang baka matulad din ako sa mga ito. Depende rin kasi sa priority ng isang tao yung kapalaran na napupunta sa kanya eh. Kung ako ang tatanungin, ayokong magtrabaho at umabot ng katandaan ko eh nasa kumpanya pa rin ako. Naiinggit nga ako kapag nakikita ko yung mga businessmen o investors na nag-ttravel lang papunta sa ibang bansa para i-manage ang investments nila. Mas mahaba yung time na nailalaan nila sa pamilya at sa pagbbakasyon para i-enjoy yung bunga ng pinaghirapan nila sa pag-iinvest. Sabi ko sa sarili ko, balang araw mararating ko rin yung mga narating nila. (Continuation: Pinoy Self-help Investing No.4)

Inspiring Story of a Filipino

Arnel Pineda - A Member of Journey.

Inspiring Story of a Filipino, Don't stop believing on yourself. The world is free for you to explore your talents. Show what you can do and don't dwell on what you can't. Life is so simple and a very rewarding gift from our God. Be inspired with the success story of Arnel Pineda.

Susan Boyle

Susan Boyle - A Scottish singer.

Susan Boyle, came to public attention when she appeared as a contestant on the third series of Britain's Got Talent. She became known when she sang "I Dreamed a Dream" from Les Miserables in the competition's first round, first broadcast in the United Kingdom on April 11, 2009.

Certainly, She is one of a good examples for all the people who has a big dream. Through self-confidence and courage to face her doubt, She successfully made it. We are all the same in nature as created by our God with special skills and unique talent. Be inspired.

Embody Integrity

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

Action Principle No.32 >> Embody Integrity, You are proud, strong, friendly, generous and successful. Many will seek your counsel. People will depend on you. Have faith and a belief in your cause. Know that you will fight for and what you won't. Do not compromise what is right. Stick to your convictions and principles as you allow your ethical values to direct your decision-making. Integrity goes beyond self-interest to moral courage. Lying only leads to more lying.

Keep your promises. Fulfill your commitments. People want to know where you stand and for what you stand. People respect honesty and sincerity, but hate hypocrisy. Be consistent. Speak in clear precise facts. Be sure your words match your deeds. Do what you say and your credibility builds. You cannot speak stronger words than, "I give you my word".

Wedding Business

Go Negosyo Big Time!

Go Negosyo. Advocacy founded by Jose Ma. Concepcion III (RMF Corp.) >> Wedding Business Segment, Be inspired and get an idea on how to do a wedding business. It might be your passion. Explore the possibilities and make a difference.