Develop Your Sense of Humor

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

Action Principle No.39>> Develop Your Sense of Humor, In all areas of life, a quick wit, a hearty laugh, a smile and a warm sense of humor are appreciated. To be a good joke teller, tell jokes often. Practice. Model your delivery after comedians you admire and funny friends. Start a joke file.
Always be absolutely sure that your material is clean and non-offensive. Stick to a universally funny subject - you. Most of the best humor is self-deprecating. That is, you have to learn to laugh at yourself. On your road to success, there will be many stumbles and fumbles, providing many opportunities for you to turn the unexpected into stress-reducing laughter. Don't sweat the small stuff. Laugh about it. Be affable. Humor will add to your attractiveness.

Positive Mental Attitude

Napoleon Hill - An American Author.



Napoleon Hill was an American Author who was one of the earliest producers of the modern genre of personal-success literature. His most famous work, Think and Grow Rich, is one of the best-selling books of all time. Hill's works examined the power of personal beliefs, and the role they play in personal success. "What the mind man can conceive and believe, it can achieve" is one of Hill's Hallmark expressions. How achievement actually occurs, and a formula for it that puts success in reach for the average person, were the focal points of Hill's books.

How to Break the Worry Habit

Norman Vincent Peale - Inspirational writer of a generation

How to Break the Worry Habit, You do not need to be a victim of worry. Reduced to its simplest form, what is worry? It is simply an unhealthy and destructive mental habit. You were not born with the worry habit. You acquired it. And because you can change any habit and any acquired attitude, you can cast worry from your mind. Since aggressive, direct action is essential in the elimination process, there is just one proper time to begin an effective attack on worry, and that is now. So let us start breaking your worry habit at once.
Why should we take the worry problem this seriously? The reason is clearly stated by Dr. Smiley Blanton, eminent psychiatrist, "Anxiety is the great modern plague."
A famous psychologist asserts that "fear is the most disintegrating enemy of human personality," and a prominent physician declares that "worry is the most subtle and destructive of all human diseases." Another physician tells us that thousands of people are ill because of "dammed-up anxiety." These sufferers have been unable to expel their anxieties which have turned inward on the personality, causing many forms of ill-health. The destructive quality of worry is indicated by the fact that the word itself is derived from an old Anglo-Saxon word meaning "to choke." If someone were to put his fingers around your throat and press hard, cutting off the flow of vital power, it would be a dramatic demonstration of what you do to yourself by long-held and habitual worry.
We are told that worry is not infrequently a factor in arthritis. Physicians who have analyzed the causes of this prevalent disease assert that the following factors, at least some of them, are nearly always present in arthritic cases: financial disaster, frustration, tension, apprehension, loneliness, grief, long-held ill will, and habitual worry.
A clinic staff is said to have made a study of one hundred seventy-six American executives of the average age of forty-four years and discovered that one half had high blood pressure, heart disease, or ulcers. It was notable in every case of those thus afflicted that worry was a prominent factor.
The worrier, so it seems, is not likely to live as long as the person who learns to overcome his worries. The Rotarian magazine carried an article entitled "How Long Can You Live?" The author says that the waistline is the measure of your life line. The article also declares that if you want to live long, observe the following rules: (1) Keep calm. (2) Go to church. (3) Eliminate worry.
A survey shows that church members live longer than non-church members. Married people, according to the article, live longer than single people. Perhaps this is because a married couple can divide the worry. When you are single, you have to do it all alone.
A scientific expert on length of life made a study of some 450 people who lived to be one hundred years of age. He found that these people lived long and contented lives for the following reasons: (1) They kept busy. (2) They used moderation in all things. (3) They ate lightly and simply. (4) They got a great deal of fun out of life. (5) They were early to bed and early up. (6) They were free from worry and fear, especially fear of death. (7) They had serene minds and faith in God.
Haven't you often heard a person say, "I am almost sick with worry," and then add with a laugh, "But I guess worry never really makes you ill." But that is where he is wrong. Worry can make you ill.
Dr. George W. Crile, famous American surgeon, said, "We fear not only in our minds but in our hearts, brains, and viscera, that whatever the cause of fear and worry, the effect can always be noted in the cells, tissues, and organs of the body."
But do not be discouraged, for you can overcome your worries.
There is a remedy that will bring you sure relief. It can help you break the worry habit. And the first step to take in breaking it is simply to believe that you can. Whatever you believe you can do, you can do, with God's help.
Here, then, is a practical procedure which will help to eliminate abnormal worry from your experience.
Practice emptying the mind daily. This should be done preferably before retiring at night to avoid the retention by the consciousness of worries while you sleep. During sleep, thoughts tend to sink more deeply into the subconscious. The last five minutes before going to sleep are of extraordinary importance, for in that brief period the mind is most receptive to suggestion. It tends to absorb the last ideas that are entertained in waking consciousness.

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.