Fears to be avoided/removed

1. Fear of Poverty – Being poor is not that so bad as long as you are contented and happy with your life.
2. Fear of Criticism – “So What”. As long as I’m happy with what I am doing.
3. Fear – Lost of Love One – Always think positive and every bad moments has reason.
4. Fear of Old Age – We all are going to be Old. So make use your time wisely by being happy. hahahaha..
5. Fear of Illness – Take care of your body. So Dying will not be that so hard for you and your family. hahahaha…
6. Fear of Death – We are all going to die. Don’t be so attached with material wealth – letting it go is so hard. hahahaha…

Rules in Saving

1. 10 % of Income to Tithes (donation to church or people in need)
2. 10 % or Higher of Income to Savings
3. Unexpected Expenses (Like Tuition Fee, Gifts, Birthday Parties, etc..)
4. Daily Needs
5. Wants...

example.. Im Earning (P10,000) per month
1. 10% Tithes ( P1000) - : Remaining ( P9000)
2. 10% Savings ( P1000) - : Remaining ( P8000)
3. Unexpected Expense (P 2500) - : Remaining ( P 6500)
- Tuition - P 20,000
- Parties / Other Occasions - P 10,000
Total = P 30,000 / 12 = P 2500
4. Daily Needs (P 5500) - : Remaining (P 1000)
- Rice / Corn / Bread - P 1500
- Stove - P 1000
- Foods - P 2000
- Electric/Water - P 1000
5: Save it or Buy something for your self ( P 1000)

This is How I do my budget.. We may not be the same..
But The most important is number 1, 2 and 3

If you are married and renting a house - P10,000 would not be enough
- Cut of your other expenses
- Look for cheaper school of your children
- Don't go to mall if not necessary (temptation always come)
- Look for high paying job
- Let your wife help you

Do your homework - Budget for at least 1 year not month

What is Your Dream?

Imagine.. Your are born in the streets. You live with your parents in slum areas....




(Exaggerated Huhh..)






On your 10th birth day, as you woke up in the morning you found out that your parents left you. You are alone without a thing.. What would you do?...

Will you beg for living?
Will you look and find for your parents who left you?
It's really hard to answer that question if your not on the situation.

But along with all of this problems many people became successful even if they grew up on slum areas or in poverty.

Oprah Winfrey
Net worth: $2.5 billion

Born in Mississipi to a poor unwed mother.
She got raped on the age of 9
Gave birth on the age of 14 but died

Manny Pacquiao

Born in Gen Santos Philippines.
Peddling bread, And joining amateur boxing fight.

And more.. (search the Net.)

How did they do that?
How did they became rich so early and seems effortless.
It seems very impossible. But NO. It is possible.

They rich because they do not aim for money.. They do not aim for Power..
They are rich because they aim for their DREAM...

Just focus on your dream and other blessings will follow (wealth, happiness, love, girls?, etc..)

If others can specially who leaves in poverty why can't I.
Someday I'll be like them... or even better....

Believe in you self. Just follow and focus your DREAMS

Bored at Work?

Imagine your a security guard. will you be bored at work?.. Does a security guard bored as his work?... Are you bored at your work?... What causes you to be bored at your work?...
If your bored at your work this will produce total stress in your part.

The reason you are bored at your work is you do not love your work. It seems that every movement you make drains your energy. At the end of the day you are very tired and weak that you want to sleep already. When you wake up on the morning you feel weak and don't what to wake up. When you arrive at the office or work you feel dizzy and seems that you cannot move. What does this mean? You don't love your work. You may want your work because of high pay but you don't love it.

My first job is to tender an electric distribution utility substation. I stay at the substation monitor and log meter loadings and report any incident that may occur. Initially I love the job because it is my first job. But after few weeks I started to be bored. I ask my self? Will this be my job forever? will I do this daily routine forever. It's so boring, Just like a security guard, Guarding the substation. I don't like this job it's so boring... Did I resign? No... (At the Philippines it is really hard to find a job) .

What did I do?... during break and after work I manage to have time to study and read books for knowledge. I studied the equipment at the substation how it works and what are its functions. I studied computers and how to make my reports easier to generate. As time past, little by little I started to appreciate the importance of my work and how do I contribute to the company. With this little knowledge I started to love my work.

As time past, with my continues study, I started to ask - How can I make my work more reliable and efficient?. Maybe by submitting report on time, Give recommendations for more reliable service, etc.... So I started to create a simple program (which i studied - I'm not an I.T. or Comp. Sci. - by the way I love computer programming) to generate report more easily. With my program I minimize a 1 day work to 1 min work just to generate a report. That's a big deal because my boss somewhat recognize me a little... hehehehe...

My boss then call me at the office and gave me different job. He assign me to make a simple program to monitor the gas consumption of their crew vehicles. So with my little knowledge of programming and research I finished the job in 1 months time (I'm not a Programmer Expert - OK)..

After the project he assign me to be an Line inspector... I'm not into this job again.. Huhuhu. Because the job involve direct contact with our consumer/clients requests... I really don't like the job... I'm hook with my fist job as a substation tender and a little programmer..

After 3 months with this job without so much improvement on my side except maybe to my social relationship with consumers, my boss return me as an substation tender but as a team leader. I've been assign to be the leader of our substation project which is SCADA (A system that would automate substation, where in if finished no more substation tender needed only SCADA operators)... I was so happy because It applies my knowledge in substation, computers, and programming.. all in one. Right now up to present I'm a substation tender and continuing out our project.

We don't need to resign to find better job. We have control in our self to love our job and/or to be assigned in different job.. Maybe Resignation would be the last resort.. hehehehe..
If you want to love your job you can do so if you want to.....

Good Luck and God Bless!!!..

Death (Fear or Not)

Why do some people afraid to die?...
-> They did something wrong and don't want to go to hell
-> They disobey GOD
-> They don't want to leave there love one's
-> They don't want to let their love one's cry for their loss
-> They don't want to leave there power and success
-> They don't want to leave their riches and talents
-> They don't want to miss their happy moments in earth

Why do some people want to die?...
-> They are depressed
-> They lose hope
-> They see hell is better than their problems
-> They don't want to be hurt
-> Too much Fear
-> They want to get away with their problems

Why did GOD want us to live and die?...
-> We are the child of GOD
-> GOD will teach us how to stand up, walk, run and play
-> GOD will be cruel to us if we don't obey because GOD knows whats best for us
-> GOD gave us problems to solve and to learn
(imagine life without problems - would it be boring?)
-> GOD has a purpose in us after death
-> GOD will only tell if we are ready with this purpose not us
-> GOD knows when we are ready to die or not
-> GOD knows when we are ready to live or not

Why fear GOD ?...
-> We fear GOD if we did wrong
-> We fear GOD if we don't know GOD
-> We fear GOD because of lack of faith
-> We fear GOD if we are to much away from GOD
-> Do you talk/pray with GOD? not, then you fear GOD

How to Develop Self Confidence

Ask this question to your self...

"If I'm not going to do right now.. When will I do it?...."

I'm afraid of Public Speaking.. In college every time there's a report making, I always present to do the research or encode the report. Why?, Because I don't like to be the one presenting the report..
I'm really afraid of public speaking that time. But now I built up my confidence, I'm really excited if I'm going to conduct a presentation or any speech. Why?, because I want to develop my skills in public speaking, I want to be more confident in my self. How did I do that?.. I just ask my self - "If there something you want to do, never you will achieve that without starting it right now". If you have a dream and goals in life, don't even ever say to yourself- "Can I do that?", "That's impossible", "I'm afraid", "I'm shy", "I'm a looser", etc.. If you tell that to your self forever you will be.. Just don't talk and act...

Have trust in your self and you'll never notice you already achieve your goal..

How to Identify Scam?

1. Does it offer you very high Return of Investment?
-> example.. a capital of $200
-> Bank -> 4%-7% - Return of Investment Annually -> $8 - 14$
-> Funds -> 10%-20% - Return of Investment Annually -> $20 - 40$
-> Partnership -> 20%-30% - Return of Investment Annually -> $40 - 60$
-> looking at the examples if they are offering you a Impossible Interest rate that would be a scam
-> 10%-20% monthly interest = 140%-240% annually -> Very Imposible

2. It offers Pyramiding Scheme
-> Does membership entitles you to recruit many members, wherein the more member you recruit the more profit you get at a very high interest rate.

3. Ask Questions.
-> Where does my capital go?
-> What business are you in to?
-> Where did you get that high interest rate?

4. Remember !!!!
-> The higher the Return the Higher the Risk