Not too late

Daily Motivator.

Not too late by Ralph Marston, It's never too late to richly live the moment you're in. Don't let regrets about the past destroy the unique opportunity you have right now.

Do you feel frustrated by your lack of progress? Then tap into the energy of that frustration to bring yourself fully to life in this moment that you now have to work with.

Today, you are more experienced and knowledgeable than you've ever been. Today, you can be more motivated than ever before to reach in and connect with your own special goodness.

And today you can put all of what you have into making real and positive progress.

Today you can connect in a new and fulfilling way with what matters most.

You've already made an amazing journey to get to this moment. You've brought yourself here for a reason, so let yourself live that reason.

Make life the best it can be right now by doing something truly meaningful with it. Whatever you've come through, wherever you've been, it is never too late to feel the beautiful joy of being alive and making a difference.

Living inspiration

Daily Motivator.

Living inspiration by Ralph Marston, Certainly you can inspire others with your words. Yet you can inspire other people even more with the way you live.

By skillfully arguing and presenting your beliefs, you can convince others to consider adopting those beliefs. Yet you can express those beliefs even more convincingly by consistently applying them to your life.

With what you say, you can get some attention. With what you do, again and again, you can build real and lasting credibility.

If you wish to lift others up, the first step is to bring your own life to a higher level. Then you can bring along as many other people as you wish.

It's not selfish to follow your own authentic dreams and to create a life for yourself that's the best you can imagine. For in doing so, you also create outstanding opportunities along the way to be of real, meaningful service to others.

Your life has unique and immense value. Share that value far and wide by living your dreams and making your life a true inspiration.

Retire Early

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

Action Principle No.56>> Retire Early, If you didn't have to worry about earning a living, you could concentrate on your personal potential and being of service to others.

You don't have to be a millionaire to retire early. In fact, if you had savings of half that amount, invested prudently, you could retire and earn an annual income that exceeds the annual income of 75% of the people in the United States. Over half of the people in the United States have less than $10,000 saved for retirement and live from paycheck to paycheck. They have no definitive financial plans. You are different. You now have a financial goal: to retire early.

Consider this: After 20 years of saving 20% of your income, you may create the choice of not having to work for a living.

Consider this: As an alternative to saving 20%, can you earn 20% more if you work 10 hours a day rather than 8, or 6 days a week rather than 5?

Create, Combat and Conquer

Anshul Samar - Create, Combat and Conquer.

Visualize it by Ralph Marston, You have the power to visualize. And what you intensely and persistenly visualize, you will create.

Before you can go where you want to go, you must know exactly where that is. Seeing the destination clearly and in rich detail puts you well on the way there.

See it in your mind, and you'll move naturally, vigorously and effectively toward it in your life. Fill your awareness with the substance of your dreams, and those dreams begin their transformation into reality.

Visualization not only enables you to clearly see what you wish to do. It also gets you to profoundly feel the reason why. For you can do more than imagine how you wish to feel. You can go ahead and feel now how it feel to reach your dream. Know what you want, and you're on your way there. Visualize how it will be, feel how it will feel, and make yourself unstoppable.

Invest In Your Future

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

Action Principle No.55>> Invest In Your Future, Today, investors sacrifice and spenders enjoy. Tomorrow, investors enjoy and spenders keep working. If you buy a house today, you may have to work two jobs to make the mortgage payments now but you may own the house without debt in twenty years. If you give up TV tonight, you can take an evening course and in six years earn a college degree. If you start training today, you may be sore tomorrow and a black belt in four years. Invest in yourself.

Most wealthy people save between 15% and 20% of their income. Invest in fields in which you have a specialized knowledge. If you sell car, invest in the auto industry. If you are a real estate broker, buy income properties. Be sure to diversify your holdings by investing in a retirement plan and a no-load mutual fund. There is a time value to money, so the earlier you start investing the better. Invest in things that appreciate rathern than spend on things that depreciate. Secure your own retirement.

Waiting On The World To Change

John Mayer - Waiting On The World To Change.

Take Responsibility Now by Ralph Marston, You're going to have to take responsibility at some point. Go ahead, get out in front of the situation, and grab that responsibility as you soon as you can.

Realize that even though it's not your fault, if it impacts your world it is your responsibility. Responsibility means doing what way you can, with all you have, to bring about a positive outcome.

It's easy to slosh around endlessly in a swamp full of excuses. But after all that sloshing, as impressive as it may be, you'll still be mired in a swamp.

Instead, climb out, step up and seize the opportunity to make a difference. Now is when your actions can bring real value to your world.

Stand up, take responsibility, and you'll stand out from the crowd. Step forward, get to work, and transform challenge into achievement. By truly taking responsibility, you immediately begin to improve whatever situation you're in. By following through with that responsibility, you truly become master of your own destiny.

The voice of your purpose

Daily Motivator.

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

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

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

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

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

Stop Blocking

Chinkee Tan - Businessman and brilliant motivator.

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

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

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

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

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

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

Pinoy Self-Help Investing No. 12

Story of my Investing Adventures - Brilliant Reader

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

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

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

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

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

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

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

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

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

Relax Your Body

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

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

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

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

Making it happen

Ralph Marston - Motivational Speaker.

"Making it happen", If you're weary, it may not be from what you're doing. Your weariness could be caused by what you continue to put off doing.

Having an uncompleted task hanging over you, day after day, week after week, wears on you constantly. To free yourself from that burden, go ahead and get it finished.

Instead of putting your energy into worry and avoidance and procrastination, put your energy into getting the job done. The way to have more energy is to make productive use of the energy you have.

This day will soon come to end, no matter what you do. You have the choice of feeling satisfied with all you've accomplished, or disappointed that another day has passed without anything to show for it.

Choose to make good and valuable use of the time you now have. Decide to free yourself from the burden of what needs to be done by actually getting it done.

Imagine the satisfaction you'll feel, and imagine the new options you'll have. Now get busy and enjoy making it happen.

Achievement and Resentment

Nick Vujicic - Motivational Speaker.

"Achievement and Resentment" by Ralph Marston, Achievement creates, and resentment destroys. Which kind of world would you prefer to live in -- a world of achievement or a world of resentment?

It is easy to be resentful of someone who has accomplished more than you. But what purpose does that resentment serve?

Instead of giving into resentment, you can transform its energy into something that will actually do you some good. You can transform it into positive inspiration and driving ambition.

A thousand days spent in resentment will just make you old and dejected. A thousand days spent on achievement will create a rich and fulfilling life.

You were born to achieve and you have a strong desire to achieve. You're fully capable of following that desire, and of creating great and wonderful achievements for your world.

If you feel the urge to be resentful, stop. Think about it, think about your own best interest, and choose achievement instead .

Stay Fit and Healthy

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

Action Principle No.53>> Stay Fit and Healthy, Be prepared to succeed both physically and mentally. You do not know when you will be called upon to defend with a block, a blow or a word. You can swim, run, or rollerblade. You can take a walk. Staying fit also helps to prevent inquiry and helps you deal with stress and fatigue.

If you want to be thinner, start putting out more calories than you take in and you will lose weight. Start now. If you want to be healthier, add more fruits and vegetables to your diet. Drink a lot of water. If you want a strong heart, do twenty minutes of vigorous calisthenics each day. If you want to look good and feel strong, work out with weights three times a week for thirty minutes. You don't need fancy gym equipment to be fit. You don't need a lot of time. You just need the will to start and persist.

Connecting the dots

Steve Jobs - Speaker and brilliant motivator.

Go back by Ralph Marston, Sometimes the best way to move forward is to go back. Go back into the experience of your life, and remind yourself why.

Go back and remember why you're where you are, why you're doing whatever you're doing. Go back and remember what truly matters to you. In your mind, go back to a time and a place when life felt positively magical. Realize that the magical feeling is still very much a part of you.

See that now, too, is magical. Understand that your best possibilities are with you even now.

Go back and appreciate all the good things you have ever had. From a deep and profound sense of gratitude, know that in this very time is the potential for more joy than ever before.

Go back, and see that all the goodness that ever was, still is. Now, carry all that goodness with you as you continue to move positively forward.

Proud Pinoy - Batang pambato

Rolando - Lakas ng Pilipinas.

Rolando, Marami sa ating mga kabataan ang may mga angking talino ngunit hindi napagtutuunan ng pansin. Nakakatuwang marinig ang mga magagandang boses ng ating kabataan. Sila ang nagsisilbing lakas ng Pilipinas kaya dapat nating kilalanin at ipagmalaki sa buong mundo. Pinoy tayo. Walang ibang magmamahal sa pilipinas kundi tayo tayo din. Tayo ang lakas ng Pilipinas.

Proud Pinoy - Jovit Baldivino

Jovit Baldivino - Lakas ng Pilipinas.

Jovit Baldivino, Maituturing na isa sa lakas ng Pilipinas. Hindi nasusukat sa nakaraan o kalagayan sa buhay ang layo ng mararating natin. Kung ano ang pinaniniwalaan mo ay yun ang mararating mo. Gawin lang natin palagi kung ano yung pinaka-best sa kakayahan na ibinigay sa atin at maniwalang matutupad ang mga pangarap. Mabuhay tayong mga Pilipino! Walang ibang magmamahal sa kapwa natin kundi tayo tayo ring mga Pilipino. Sulong sa pag-unlad ng bansang Pilipinas! Kung nagagawa ng pangunahing bansa ang kaunlaran, mas magagawa din natin ito sa sarili nating bansa. Likas sa atin ang galing at talino sa lahat ng bagay. Gamitin natin ito para sa ating bayan. Huwag natin hayaang lumipas ng walang naibibigay na magandang impluwensya sa ating mga kabataan. Hindi ito mahirap basta nagkakaisa at nagtutulungan tayo. Mabuhay ka Jovit Baldivino! Mabuhay tayong mga Pilipino!

The most positive response

Will Smith - An Actor with great positive outlook.

The most positive response by Ralph Marson, Tell yourself often that problems can be transformed into opportunities. Challenge yourself to find and to appreciate examples in the real world around you.

Then, when a difficult problem drops into your own life, you'll be ready. You'll instinctively seek out the most positive, effective and valuable response.

Imagine being able to draw real value out of every situation. Imagine it consistently, and you will begin to do it.

Though you don't know exactly what they will be, you do know that the challenges will come. So how do you prepare?

Develop and strengthen the belief that whatever may come, you can make something good out of it. Then you'll be ready to do precisely that. Instead of being overwhelmed, be ready. When the time comes, you'll know just what do do, and more importantly, you'll do without a second thought.

Avoid Negative People

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

Action Principle No.52>> Avoid Negative People, You have one life to live. You want to be happy and to make your life meaningful. You haven't got time to waste with negative people. They will drain your energy. When they find a willing audience, they won't let it go. They may have justifiable concerns but too often get involved in minor matters. They blame and look for excuses. Even when blame can be justified it serves no productive good. They are usually negative because they have ceded control of their happiness to others - the boss, the neighbors, the kids, the politicians, the police.

Be polite and encouraging to negative people. You can be compassionate, but still be strong enough to walk away. Everyone has problems, but not everyone allows those problems to rule them. You can offer a temporary safe haven without becoming a permanent home. You do not have to sacrifice your life to the problems of another.

Thoughts Become Things

Mike Dooley - A motivational speaker.

Let your world be wonderful, cited by Ralph Marson, What dream would you now like to make into reality? What joy do you now wish to experience? What beauty will you behold before this day is finished? What feeling would you feel best to you right now? Breathe in the sweetness of all that is good in this bright moment. Taste the possibilities that arise from endless abundance. Though the challenges and concerns are real, so are the most magnificent of possibilities. Imagine the best of what can be, and find true delight in making it real.

Let your world be wonderful today. Let your moments be filled with life and passion and purpose. Do you see how extraordinary this day can be? See it, live it, and it is..

World-Class Filipino Talent

Filipino Hero - Efren Penaflorida.

Efren Penaflorida, is a teacher and social worker in the Philippines. He is the founder and head of Dynamic Teen Company which offers Filipino youth an alternative to street gangs through education, recreating school settings in unconventional locations such as cemeteries and trash dumps.

He completed his elementary and high school education through the help of scholarships and financial assistance, and received several class awards and honors. In 2000, he graduated from San Sebastian College with a degree in computer technology, receiving highest honors. He pursued a second course at Cavite State University campus, graduating Cum Laude in 2006 with a degree in Secondary Education.

In March 2009, Penaflorida was featured as CNN Hero as part of the news network's program to honor individuals who make extraordinary contributions to help others. On November 22, 2009, he was named CNN HERO OF THE YEAR 2009.