The Gospel Story by Colors

Black is for Separation caused by sin.

"For everyone has sinned; we all fall short of God's glorious standard." (Romans 3:23 NLT)

Red is for the Blood Jesus shed in the cross.

"For God loved the world so much that He gave His one and only Son, so that everyone who believes in Him will not perish but have eternal life." (John 3:16 NLT)

Blue is for Faith.

"And we have believed in Christ Jesus, so that we might be made right with God because our faith in Christ, not because we have obeyed the law. For no one will ever be made right with God by obeying the law." (Galatians 2:16 NLT)

White tells us we are now Clean and Forgiven.

"Purify me from my sins, and I will be clean; wash me, and I will be whiter than snow." (Psalm 51:7 NLT)

Green reminds us of Growth in God's love

"Rather, you must grow in the grace and knowledge of our Lord and Saviour Jesus Christ." (2 Peter 3:18 NLT)

Yellow stands for the Promised eternal life.

[Jesus said] "I am going to prepare a place for you... I will come and get you, so that you will always be with me where I am." (John 14:2-3 NLT)

Principles of Getting Rich by John Calub

PRINCIPLE #1.

Never limit your potential. YOU AND I HAVE INFINITE POTENTIAL.


What are the Limiting Beliefs? Example:

1. Money is the root of all evil.
2. You cannot be rich if you stay in the Philippines.
3. Knowledge is power.

The Limiting Beliefs should instead be reprogrammed to Empowering Beliefs:

1. The greed of money is the root of all evil. It is a sin to be poor.
2. I can be rich wherever I am.
3. Wisdom is power. Wisdom is knowledge in action.

PRINCIPLE #2

"MAKE A DECISION TO BE WEALTHY STARTING TODAY."

PRINCIPLE #3

Understand that "YOUR INNER WORLD CREATES YOUR OUTER WORLD"

meaning, if you want to be wealthy the first step is "feeling wealthy inside."

"Have fun, feel good, it's all been done!"

PRINICIPLE #4

BE FAMILIAR WITH THE FOUNDATIONAL LAWS OF THE UNIVERSE ON WEALTH
Understanding the laws of the universe and applying it in one's life.

1. The law of attraction
2. The law of tithing
3. The law of giving
4. The law of cause and effect
5. The law of forgiveness
6. The law of gestation
7. The law of polarity
8. The law of abundance
9. The law of rhythm
10. Law of circulation

To read more about these laws click here.

PRINCIPLE # 5

"PAY YOURSELF FIRST BEFORE PAYING ANYONE ELSE."

Remind yourself with these empowering beliefs:

1. I always have money that I will never need.
2. My money works hard for me and makes me more and more money.
3. Whenever I spend money, more money comes to me. (guided by the laws of the universe on wealth)
4. I always make decisions that are for the highest good of all concerned including my self.

Thanks to this article.

What God Wants for You

Before He created the universe, God had you on His Heart. He wanted you to enjoy a perfect, endless life with Him (Ephesians 1:4)

So then, why does life often seem so meaningless and full of misery? These ABC's explain briefly and point the way to peace.

ADMIT

No one has or can live the perfect life God requires. God wants you to admit that you need to be rescued from this condition called sin "Come to me, all of you who are weary and carry heavy burdens and I will give you rest." (Matthew 11:28 NLT)

BELIEVE

Jesus Christ died on the cross to rescue you from sin and to restore your broken relationship with God. Now God invites you to "believe in the Lord Jesus and you will be saved." (Acts 16:31 NLT)

CALL

Here is God's promise to you, "Anyone who calls on the name of the Lord will be saved." (Romans 10:13) God wants you to receive His gifts of pardon and peace, thanking Him for His rescue in Jesus Christ

Inspiring Stories: The Farmer and the Donkey

One day a farmer's donkey fell down into a well. The animal cried piteously for hours as the farmer tried to figure out what to do. Finally, he decided the animal was old, and the well needed to be covered up anyway; it just wasn't worth it to retrieve the donkey.

He invited all his neighbors to come over and help him. They all grabbed a shovel and began to shovel dirt into the well. At first, the donkey realized what was happening and cried horribly. Then, to everyone's amazement he quieted down.

A few shovel loads later, the farmer finally looked down the well. He was astonished at what he saw. With each shovel of dirt that hit his back, the donkey was doing something amazing. He would shake it off and take a step up.

As the farmer's neighbors continued to shovel dirt on top of the animal, he would shake it off and take a step up. Pretty soon, everyone was amazed as the donkey stepped up over the edge of the well and happily trotted off!

MORAL : Life is going to shovel dirt on you, all kinds of dirt. The trick to getting out of the well is to shake it off and take a step up. Each of our troubles is a steppingstone. We can get out of the deepest wells just by not stopping, never giving up! Shake it off and take a step up.

Remember the five simple rules to be happy:

1. Free your heart from hatred - Forgive.

2. Free your mind from worries - Most never happens.

3. Live simply and appreciate what you have.

4. Give more.

5. Expect less from people but more from God.

Inspiring Stories: The Burnt Biscuits

Author unknown

When I was a kid, my mom liked to make breakfast food for dinner every now and then. And I remember one night in particular when she had made breakfast after a long, hard day at work. On that evening so long ago, my Mom placed a plate of eggs, sausage, and extremely burned biscuits in front of my dad. I remember waiting to see if anyone noticed! Yet all my dad did was reach for his biscuit, smile at my mom and ask me how my day was at school.

I don't remember what I told him that night, but I do remember watching him smear butter and jelly on that biscuit and eat every bite! When I got up from the table that evening, I remember hearing my mom apologize to my dad for burning the biscuits. And I'll never forget what he said: "Honey, I love burned biscuits."

Later that night, I went to kiss Daddy good night and I asked him if he really liked his biscuits burned. He wrapped me in his arms and said, "Your Momma put in a hard day at work today and she's real tired. And besides - a little burnt biscuit never hurt anyone!"

You know, life is full of imperfect things...and imperfect people. I'm not the best at hardly anything, and I forget birthdays and anniversaries just like everyone else. What I've learned over the years is that learning to accept each other's faults - and choosing to celebrate each other's differences - is one of the most important keys to creating a healthy, growing, and lasting relationship. That's my prayer for you today...That you will learn to take the good, the bad, and the difficult parts of your life and lay them at the feet of God because in the end, He's the only one who will be able to give you a relationship where a burned biscuit isn't a deal-breaker! We could extend this to any relationship. In fact, understanding is the base of any relationship, be it a husband-wife or parent-child or Friendship!

"Don't put the key to your happiness in someone else's pocket -- keep it in your own."

So... please pass me a biscuit, and yes, the burned one will do just fine! And please pass this along to someone who has enriched your life... I just did!

Inspiring Stories - LEGO

We have endless possibilities.

Explore. Experience. Express.

Only the BEST is good enough. Because we deserve the Best.

This story will inspire the old and young alike. Never too old to try and never give up. A story of a Father's Love to his Kids.. created a toy. Factory got burned down. Out of Job. All the hardships and failure will lead to something. And it often Lead to something Great! ... this is the Lego Story.

- Anthony Kong

Seven Steps to Success: No.2- Gain Power Through Constant Learning

• Associate knowledge with power
• Make learning a lifelong pursuit
• Understand the learning chain
• Establish effective learning habits and attitudes

The Power and Value of Knowledge

The painter Pablo Picasso was at a cafe when a woman approached him and asked him to sketch a portrait of her. "Certainly, Madam." he replied, and started sketching. In a few minutes he had finished the portrait, and then showing it to her, wrote down his price for the portrait in the napkin. "You must be crazy to ask that much!", the woman got angry. "It took you only three minutes to draw my portrait!". "Yes, Madam," Picasso calmly replied, "but it took me 40 years to learn how to master it."

It's what you learn after you know it all that counts

- John Wooden

The important thing is to not stop questioning.

- Albert Einstein

The illiterate of the 21st Century will not be those who cannot read and write, but those who cannot learn, unlearn, and relearn.

- Alvin Toffler

The road to real success is not doing 100% things 1% better, but instead doing the one thing 100% better.

- Anonymous

Information is not education. Education is inside wisdom.

- Dr. E. Kramer

Destiny is not a matter of chance; but a matter of choice. It is not a thing to be waited for. It is a thing to be achieved.

- William Jennings Bryant

Whatever you are from nature, keep to it; never desert your own line of talent. Be what nature intended for you, and you will succeed; be anything else, and you will be ten thousand times worse than nothing.

- Sydney Smith

The key to growth is new ideas.

- Michelle Cook

Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.

- Mark Twain

Learning is a journey with no end in sight. But the conscious pursuit of learning and growth is what really counts.

- Gary Ryan Blair

A Message to All Graduates

Steve Jobs' 2005 Stanford Commencement Address

I am honored to be with you today at your commencement from one of the finest universities in the world. I never graduated from college. Truth be told, this is the closest I've ever gotten to a college graduation. Today I want to tell you three stories from my life. That's it. No big deal. Just three stories.

The first story is about connecting the dots.

I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?

It started before I was born. My biological mother was a young, unwed college graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife. Except that when I popped out they decided at the last minute that they really wanted a girl.

So my parents, who were on a waiting list, got a call in the middle of the night asking: "We have an unexpected baby boy; do you want him?" They said: "Of course." My biological mother later found out that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.

And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents' savings were being spent on my college tuition. After six months, I couldn't see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life. So I decided to drop out and trust that it would all work out OK. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn't interest me, and begin dropping in on the ones that looked interesting.

It wasn't all romantic. I didn't have a dorm room, so I slept on the floor in friends' rooms, I returned coke bottles for the 5¢ deposits to buy food with, and I would walk the 7 miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn't have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can't capture, and I found it fascinating.

None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, it's likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on this calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards ten years later.

Again, you can't connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.

My second story is about love and loss. 

I was lucky — I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. We had just released our finest creation — the Macintosh — a year earlier, and I had just turned 30. And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.

I really didn't know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down - that I had dropped the baton as it was being passed to me. I met with David Packardand Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me — I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.

I didn't see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.

During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the worlds first computer animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, I returned to Apple, and the technology we developed at NeXT is at the heart of Apple's current renaissance. And Laurene and I have a wonderful family together.

I'm pretty sure none of this would have happened if I hadn't been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in the head with a brick. Don't lose faith. I'm convinced that the only thing that kept me going was that I loved what I did. You've got to find what you love. And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don't settle.

My third story is about death.

When I was 17, I read a quote that went something like: "If you live each day as if it was your last, someday you'll most certainly be right." It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: "If today were the last day of my life, would I want to do what I am about to do today?" And whenever the answer has been "No" for too many days in a row, I know I need to change something.

Remembering that I'll be dead soon is the most important tool I've ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure - these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn't even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor's code for prepare to die. It means to try to tell your kids everything you thought you'd have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.

I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach and into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and

I'm fine now.

This was the closest I've been to facing death, and I hope it's the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept:

No one wants to die. Even people who want to go to heaven don't want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life's change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.

Your time is limited, so don't waste it living someone else's life. Don't be trapped by dogma — which is living with the results of other people's thinking. Don't let the noise of others' opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.

When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960's, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.

Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970's, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: "Stay Hungry. Stay Foolish." It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.

Seven Steps to Success: No.1- Have a Vision by Setting up Your Goals

• Know what you want
• Know your kind of personality
• Establish your major goals
• Make a personal mission statement
• Set specific workable goals

Success :

The state of accomplishment or achievement resulting from an endeavor

-Webster's International Dictionary

You are born to succeed.

-Brian Perry

Success is knowing your purpose in life, growing to reach your maximum potential, and sowing seeds that benefit others.

- John Maxwell

You must have long range goals to keep you from being frustrated by short range failures.

- Charles Noble

Hitch your wagon to a star.

- Ralph Waldo Emerson

No rules for success will work if you don't

- Unknown

A goal that is not written is only a wish

-Anonymous

As you reach your goals, set new ones. This is how you grow and become a more powerful person.

- Les Brown

Always bear in mind that your own resolution to success is more important than any other one thing.

- Abraham Lincoln

P.U.S.H. (Pray Until Something Happens)

To get what we really want, we need to pray. Then when things happen, we need to take action. Sometimes we just need a little push in order to move closer to our dreams and to enjoy our life more.

Let me share to you a part of the book - Unleash Your Highest Potential by Vic and Avelynn Garcia on what they say about how a Push can affect your life.

Because Somebody Pushed You
by Vic and Avelynn Garcia

Remember the time you thought you could not swim

but you did... because somebody pushed you?

Remember the time you thought you could not win a competition
but you did... because somebody pushed you?


Remember the time you thought you could not hit your quota
but you did... because somebody pushed you?


Remember the time you thought you could not be an honor student
but you did... because somebody pushed you?


Remember the time you thought you could not have your own business
but you did... because somebody pushed you?

Remember the time you thought you could not discipline your children
but you did... because somebody pushed you?

Remember the time you thought you could not restore your marriage
but you did... because somebody pushed you?

Remember the time you thought you would not smoke
but you did... because somebody pushed you?

Remember the time you thought you would not drink liquor
but you did... because somebody pushed you?

Remember the time you thought you would not be angry anymore
but you did... because somebody pushed you?

Remember the time you thought you would not violate traffic rules
but you did... because somebody pushed you?

Remember the time you thought you would not tell a lie
but you did... because somebody pushed you?

Remember the time you thought you would not commit adultery
but you did... because somebody pushed you?

Remember the time you thought you would not gamble
but you did... because somebody pushed you?

Remember the time you thought you would not slander
but you did... because somebody pushed you?

Remember the time you thought you would not cheat
but you did... because somebody pushed you?

Remember the time you thought you would not be sad
but you did... because somebody pushed you?

Remember the time you thought you could not forgive
but you did... because somebody pushed you?

Remember the time you thought you could not reach your goal
but you did... because somebody pushed you?

Remember the time you thought you could not finish reading a book
but you did... because somebody pushed you?

Remember the time you thought you could not bless others
but you did... because somebody pushed you?

Remember... remember... remember...

You allowed them to PUSH YOU.

Top Ten Money Habits of Chinese

"A child saves money to buy a big thing desired, a girl to be married saves money to buy herself a dowry, a man to be married saves with the purpose of building or purchasing a new apartment or house, an old man saves against disease and death."

Being Frugal

The classic Chinese text Dao De Jing states that the three greatest treasures one can have are love, frugality, and generosity.

Saving as Much as Possible

If personal finance books advise us to save 10-20% of our income, the Chinese save 50% or more of it.

Paying in Cash

The Chinese are generally debt-free. But if they do borrow money, they try to settle the full amount as soon as possible. 

Your Salary is not a Secret

If you ask a Chinese person in China how much money he or she makes, odds are that person will tell you. Discussing one's income is not always a matter of bragging because not everyone is rich.

Always look for a Bargain

In China, haggling is a way of life.

Cash are the Best Gift

On every new year or birthday, Chinese children usually get cash gifts that they end up saving. Red envelopes are the standard gift for any celebration, and they are considered the best gifts because the recipient can do anything with the money.

The Chinese do not flash their wealth through material things. 

They drive regular vehicles and live in ordinary homes; their comfort and security lies in the fact that they have fat bank accounts.

The Chinese fear the uncertainty of the future

They look at the big picture and anticipate problems long before they occur. There's a Confucian value which states, "In times of peace, prepare for war". Translated in financial terms, it means "In times of abundance, prepare for scarcity."

The Chinese find ways to make their money grow.

They put up additional businesses and make viable investments. 

The Chinese are meticulous about interest rates for their time deposits

They scan bank rates and a difference of as little as 0.5% makes a big difference for them - of course when multiplied to their millions!:)

References:

Chinese Money Habits - How My Culture Influences My Attitudes Toward Money

The Money Habits of Ordinary Chinese

February Events

Meetings, Seminars, Conventions that you can attend to increase your Financial Intelligence.

20 to 22 February 2013
APLIC 2013 - Asia Pacific Life Insurance Congress

Aplic 2013 (Asia Pacific Life Insurance Congress)

Bringing together top professionals from the financial services industry, the annual Asia Pacific Life Insurance Congress (APLIC) attracts the largest congregation of life insurance and financial services practitioners from the Asia-Pacific region. 

Since its debut in 1991, the APLIC Congress has served as an effective springboard for the industry’s experts to network with their peers from the region.

Each Congress has successfully drawn over 5000 delegates from Australia, Brunei, China, Hong Kong, India, Indonesia, Japan, Korea, Macau, Malaysia, New Zealand, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam, etc.

An exclusive platform with the financial services industry in mind, the APLIC Congress is proudly organized by APFinSA, an alliance of financial services professionals with 11 member countries.

Visit: http://www.aplic2013.com/home.do

23 February 2013

How to Become a Money Magnet

“Be A Multi-Millionaire By Using The Most Powerful 

Money Management System In The World”

How To Become A Money Magnet

Learn How To Easily Manage And Grow Your Your MONEY To MILLIONS Whether You Are An Employee Or Entrepreneur!!! Attend this Feb. 23 (Sat)...

WHAT YOU WILL LEARN

►The ultimate secret to wealth creation 

►How to have a multi-millionaire mindset

►The greatest money-generating technique in the world

ABOUT THE SPEAKER:

Get trained by John Calub, the Philippines' #1 Success Coach. John has trained and coached over 100,000 people internationally in the areas of peak performance, sales and success. He was personally mentored by the world's top mentors the likes of Robert Kiyosaki, Jack Canfield, Brian Tracy, John Maxwell and Multi-Billionaire Donald Trump. His seminars have produced thousands of multi-millionaires in lightning-like speed. Are you ready to become the next multi-millionaire? 

Visit: http://johncalubtraining.com/

https://www.facebook.com/JohnCalubTraining

24 February 2013

Cashflow 101

Learn what the Rich teach their kids about money 

that the Poor and Middle Class do not

Cash Flow 101 - February 2013

Cashflow101® is a board game created by Robert Kiyosaki, author of the Best-Selling book, Rich Dad Poor Dad, to serve as a bridge from learning the Rich Dad concepts from the books towards applying those concepts in a safe environment first (no real money is involved in the board game, this serves as a practice ground). It is only through practice that the firm foundation of financial literacy is formed.

Visit: http://iluvlearning.com/cashflow-101/

Planning: A Road Map to Success

As defined by RFP.PH

What is Financial Planning?

Financial planning is a process - a process where you stop working for every peso and learn to start putting your money to work for you. The financial planning process is not a "one-size-fits-all" package. It is a set of goals and strategies tailored to meet your specific values, abilities, and needs.

Personal Finance Planning

Personal Financial Planning, in the broadest sense, is an effort to manage all aspects of a person/family’s financial affairs. Classically, that begins with planning family spending and extends through risk management (insurance), taxes, wealth accumulation, investing, and wealth distribution (retirement and estate planning). 

The Process of Personal Financial Planning

In general, personal financial planning has five steps: 

1. Assessment 
2. Setting goals 
3. Creating a plan 
4. Execution 
5. Monitoring and reassessment 

Common Mistakes People Make in Financial Planning

• Fail to set measurable goals
• Make financial decisions without understanding its effect on other financial issues
• Confuse financial planning with investing
• Forget to re-evaluate financial plans periodically
• Think that financial planning is only for the wealthy
• Think that financial planning is for when they got older
• Think that financial planning is the same as retirement planning
• Wait for a money crisis to happen before creating a financial plan
• Expect unrealistic returns on investments
• Think that using a Financial Planner means losing control
• Believe that financial planning is primarily Tax planning

Importance of Personal Financial Planning

Years ago, the financial life of the average family was relatively uncomplicated. People worked for the same company most of their lives, lived a few years in retirement on Social Security and their pension, and passed their modest estate on to their children. However, increased longevity, changing demographics, and a more complex, dynamic financial world have changed all that.

Consider these tough financial facts: 

• Many of today's retirees will live 30 years or more in retirement - requiring far more financial resources to maintain their desired lifestyle. 
• Social Security and company pensions may no longer provide the majority of your retirement income. 
• Tax laws change almost annually. 
• Downsizing companies no longer provide "cradle-to-the-grave" benefits or job security. The average American changes jobs seven times in a lifetime, and millions are self-employed. This demands new approaches towards savings, retirement, taxes, and estate planning. 
• With couples having children later in life, many couples are "sandwiched" between paying for college and helping their elderly parents, while also trying to save for their own retirement. 

A Short Video by RFP

Reference:

http://rfp.ph/

10 Things What The Bible Says About Money

1 Timothy 6:10 New International Version (NIV) 10 For the love of money is a root of all kinds of evil. 

Proverbs 30:7-9

THE WORDS OF AGUR

New International Version (NIV)

7 “Two things I ask of you, Lord; do not refuse me before I die: 8 Keep falsehood and lies far from me; give me neither poverty nor riches, but give me only my daily bread. 9 Otherwise, I may have too much and disown you and say, ‘Who is the Lord?’ Or I may become poor and steal, and so dishonor the name of my God.

7 Dalawang bagay ang hiniling ko sa iyo; huwag mong ipagkait sa akin bago ako mamatay. 8 Ilayo mo sa akin ang walang kabuluhan at ang mga kasinungalingan: huwag mo akong bigyan ng kahit karalitaan o kayamanan man; pakanin mo ako ng pagkain na kailangan ko: 9 Baka ako'y mabusog, at magkaila sa iyo, at magsabi, sino ang Panginoon? O baka ako'y maging dukha, at magnakaw ako, at gumamit ng paglapastangan sa pangalan ng aking Dios.

Haggai 1:6

New International Version (NIV)

6 You have planted much, but harvested little. You eat, but never have enough. You drink, but never have your fill. You put on clothes, but are not warm. You earn wages, only to put them in a purse with holes in it.”

6 Kayo'y nangaghasik ng marami, at nagsisiani ng kaunti; kayo'y nagsisikain, nguni't hindi kayo nagkaroon ng kahustuhan; kayo'y nagsisiinom, nguni't hindi kayo nangapapatirang-uhaw; kayo'y nangananamit, nguni't walang mainit; at yaong kumikita ng mga pinagarawan ay kumikita ng mga pinagarawan upang ilagay sa supot na may mga butas.

Psalm 24

Of David. A psalm.

1 The earth is the Lord’s, and everything in it, the world, and all who live in it;

THE KING OF GLORY

1 Ang lupa ay sa Panginoon at ang buong narito; ang sanglibutan, at silang nagsisitahan dito.

Job 1:21

New International Version (NIV)

21 and said:

“Naked I came from my mother’s womb, and naked I will depart.[a] The Lord gave and the Lord has taken away; may the name of the Lord be praised.”

21 At sinabi niya, Hubad akong lumabas sa bahay-bata ng aking ina, at hubad na babalik ako roon: ang Panginoon ang nagbigay, at ang Panginoon ang nagalis; purihin ang pangalan ng Panginoon.

1 Timothy 6:6-9

New International Version (NIV)

6 But godliness with contentment is great gain. 7 For we brought nothing into the world, and we can take nothing out of it. 8 But if we have food and clothing, we will be content with that. 9 Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction.

FALSE TEACHERS AND TRUE CONTENTMENT

6 Datapuwa't ang kabanalan na may kasiyahan ay malaking kapakinabangan: 7 Sapagka't wala tayong dinalang anoman sa sanglibutan, at wala rin naman tayong mailalabas na anoman; 8 Nguni't kung tayo'y may pagkain at pananamit ay masisiyahan na tayo doon. 9 Datapuwa't ang mga nagsisipagnasang yumaman, ay nangahuhulog sa tukso at sa silo at sa maraming mga pitang hangal at nakasasama, na siyang naglulubog sa mga tao sa kapahamakan at kamatayan.

Matthew 25:14-30

Proverbs 10:22

New International Version (NIV)

22 The blessing of the Lord brings wealth,

without painful toil for it.

THE PROVERBS OF SOLOMON

22 Ang pagpapala ng Panginoon, ay nagpapayaman, at hindi niya idinadagdag ang kapanglawan.

Jeremiah 29:11

New International Version (NIV)

11 For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future.

11 Sapagka't nalalaman ko ang mga pagiisip na aking iniisip sa inyo, sabi ng Panginoon, mga pagiisip tungkol sa kapayapaan, at hindi tungkol sa kasamaan, upang bigyan kayo ng pagasa sa inyong huling wakas.

Luke 16:10-12

New International Version (NIV)

10 “Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. 11 So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? 12 And if you have not been trustworthy with someone else’s property, who will give you property of your own?

THE PARABLE OF THE DISHONEST MANAGER

10 Ang mapagtapat sa kakaunti ay mapagtapat din naman sa marami: at ang di matuwid sa kakaunti ay di rin naman matuwid sa marami. 11 Kung kayo nga'y di naging mapagtapat sa masamang kayamanan, sino nga ang magkakatiwala sa inyo ng mga tunay na kayamanan? 12 At kung di kayo naging mapagtapat sa kayamanan ng iba, sino ang sa inyo'y magbibigay ng sa inyong sarili.

Matthew 6:24-34

New International Version (NIV)

24 “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money. 

Do Not Worry

25 “Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? 26 Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? 27 Can any one of you by worrying add a single hour to your life[a]? 28 “And why do you worry about clothes? See how the flowers of the field grow. 

They do not labor or spin. 29 Yet I tell you that not even Solomon in all his splendor was dressed like one of these. 30 If that is how God clothes the grass of the field, which is here today and tomorrow is thrown into the fire, will he not much more clothe you—you of little faith? 31 So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ 32 For the pagans run after all these things, and your heavenly Father knows that you need them. 33 But seek first his kingdom and his righteousness, and all these things will be given to you as well. 34 Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own.

LAY UP TREASURES IN HEAVEN

24 Sinoma'y hindi makapaglilingkod sa dalawang panginoon: sapagka't kapopootan niya ang isa, at iibigin ang ikalawa: o kaya'y magtatapat siya sa isa, at pawawalang halaga ang ikalawa. Hindi kayo makapaglilingkod sa Dios at sa mga kayamanan.

DO NOT BE ANXIOUS

25 Kaya nga sinasabi ko sa inyo, Huwag kayong mangabalisa sa inyong pamumuhay, kung ano baga ang inyong kakanin, o kung ano ang inyong iinumin; kahit ang sa inyong katawan, kung ano ang inyong daramtin. Hindi baga mahigit ang buhay kay sa pagkain, at ang katawan kay sa pananamit? 26 Masdan ninyo ang mga ibon sa langit, na hindi sila nangaghahasik, ni nagsisigapas, ni nangagtitipon man sa mga bangan; at sila'y pinakakain ng inyong Ama sa kalangitan. Hindi baga lalong higit ang halaga ninyo kay sa kanila? 27 At alin sa inyo ang sa pagkabalisa ay makapagdaragdag ng isang siko sa sukat ng kaniyang buhay? 28 At tungkol sa pananamit, bakit kayo nangababalisa? Wariin ninyo ang mga lirio sa parang, kung paanong nagsisilaki; hindi nangagpapagal, ni nangagsusulid man: 29 Gayon ma'y sinasabi ko sa inyo, na kahit si Salomon man sa buong kaluwalhatian niya ay hindi nakapaggayak na gaya ng isa sa mga ito. 30 Nguni't kung pinararamtan ng Dios ng ganito ang damo sa parang, na ngayon ay buhay, at sa kinabukasa'y iginagatong sa kalan, hindi baga lalonglalo na kayong pararamtan niya, Oh kayong mga kakaunti ang pananampalataya? 31 Kaya huwag kayong mangabalisa, na mangagsabi, Ano ang aming kakanin? o, Ano ang aming iinumin? o, Ano ang aming daramtin? 32 Sapagka't ang lahat ng mga bagay na ito ay siyang pinaghahanap ng mga Gentil; yamang talastas ng inyong Ama sa kalangitan na kinakailangan ninyo ang lahat ng mga bagay na ito. 33 Datapuwa't hanapin muna ninyo ang kaniyang kaharian, at ang kaniyang katuwiran; at ang lahat ng mga bagay na ito ay pawang idaragdag sa inyo.

References:

http://www.biblegateway.com/

http://ebible.com/

More Readings:

250 Bible Verses About Money

143 Bible Verses aboutMoney

Law of Gratitude

Universal Spiritual Laws

Universal laws are rules or patterns that can be applied to everything in the Universe. It is useful and important to know these laws simply because of the universality of their application.

Law of Gratitude:

This is one universal law that states you must show gratitude for what you have. If you show gratitude, you also show you appreciate the things in your life, no matter what those things may be. It is just a matter of acknowledging them and telling the universe that you are glad you have them in your life. By having gratitude, you actually speed your growth and success faster than you normally would. This is because if you appreciate the things you have, even if they are small things, you are telling the universe that you are accepting of them and you are open to receiving, and will receive more. (The Hidden Power of Universal Laws - PsiTek)

Gratitude means a great attitude! If you feel an abundance of thanks for something or someone then your Soul sends out the vibration frequency of love and thanks. A thanks only comes from the lips. Love and thanks come for the heart, the Soul.

If you feel and can express heartfelt gratitude then you unlock the Universe's abundance treasure chest. You know this because when you receive gratitude and appreciation you feel worthy. When you give gratitude and appreciation to something or someone you feel self-worthy. Conversely, when you give, or receive, the opposite, judgment and criticism, you feel smaller, you feel unworthy.

The gratitude you feel and express when you realize every challenge you face has within it a lesson of healing, growth and evolvement makes you look forward to challenges with willing appreciation and gratitude for your opportunity to grow. Count your blessings, in appreciation and gratitude, and watch them grow. GuideSpeak.com

Four Questions.

A great way to bring things that you’re grateful for to the forefront of your mind is by asking yourself questions. At the end of each day, ask yourself the following four questions:

• What touched me today?
• Who or what inspired me today?
• What made me smile today?
• What’s the best thing that happened today?

For a list of Gratitude Exercises click here.

Success Secrets Around You

Seven Secrets of Success

Answers that can be found in your room

• Roof said: "Aim High"

• Fan said: "Be Cool"

• Clock said: "Every minute is precious"

• Mirror said: Reflect before you act"

• Window said: "See the world"

• Calendar said: "Be up-to-date"

• Door said: "Push hard to achieve your goals"