Wednesday, February 13, 2013

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.








Sunday, February 10, 2013

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!:)










Wednesday, February 6, 2013

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.




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? 

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.

Monday, February 4, 2013

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:





Sunday, February 3, 2013

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: