Ang Pera na Hindi Bitin: Experiencing breakthroughs

in your finances

Ardy Roberto Co-Founder, Salt & Light Ventures, Inc Inspire Leadership Consultancy, Inc.

Entrep10 Awardee, Microsoft Most Inspiring Entrepreneur

Co-Columnist, Philippine Daily Inquirer’s MarketingRx Author, S4, Heart of Healing, Buhay na Hindi Bitin, Pera na Hindi Bitin

www.saltandlight.asia

Q? Kung ang mukha mo ay pera, sino ang kamukha mo?

Manuel Roxas

Manuel Quezon

Sergio Osmena

Ninoy Aquino

Josefa Llanes Escoda

Seminar Outline: Breakthrough #1: Attitude towards money. Will money solve my problems? What is “great wealth?” Breakthrough #2. Mindset reset: Stewardship. Who owns “your” money? Breakthrough #3. How to be a better steward of money so you can be entrusted with more: 7 strategies roadmap

Ardy Roberto’s Ang Pera na Hindi Bitin

Seminar = Seed

www.saltandlight.ph

Based on experience,

research and scripture

Ardy Roberto

Author, Buhay na Hindi Bitin, Pera na Hindi Bitin

www.saltandlight.ph

Money – earning, saving, managing... Confusing and stressful…

The Bible has 500 verses on prayer; 500 verses on faith; but over 2,300 verses on money and possessions.

Ardy Roberto’s Ang Pera na Hindi Bitin

Breakthrough #1

knowing

“great wealth”

Your money or your life? Adolf Merckle (World’s 94th richest, Germany’s 5th richest) stressed out by financial crisis: Commits Suicide (Jan 6-09)

Your money or your life? Adolf Merckle (World’s 94th richest, Germany’s 5th richest) stressed out by financial crisis: Commits Suicide (Jan 6-09)

“Whoever loves money never has

money enough; whoever loves wealth is never satisfied with his income. This too is meaningless.” King Solomon, Ecc 5:11

“For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs” (1 Timothy 6:9-10) Money won’t love you back! Don’t fall into the trap!

Adolf Merckle (World’s 94th richest, Germany’s 5th richest) stressed out by financial crisis: Commits Suicide (Jan 6-09)

Promise / truth: "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 a hope and a future.” Jeremiah 29:11

But then why this sad Fact? 90% of Filipinos are “broke or will die broke” - Bank of the Philippine Islands (BPI) study

Wrong mindset: Poverty mentality. Mentality of lack (mauubusan). No-trust-in-God mindset Does not know or believe in God’s promise, God’s truth that He will supply ALL of your needs. God takes care of His children. If God is your Father – through our relationship with Jesus Christ – then He will take care of you. God is a rich God. He owns everything.

Know the TRUTH:

“And my God will meet all your needs according to His riches in glory in Christ Jesus” (Philippians 4:19)

True or false?

Our great God will meet all of our needs whether we are in Saudi, Makati, Cebu or Zamboanga

True or false?

Our great God will meet all of our needs whether we are in Saudi, Makati, Cebu or Zamboanga

NEEDS / Pangangailangan (Hindi “luho” or “wants”) e.g. 1.  Food 2.  Clothing 3.  Shelter 4.  Education 5.  Health 6.  Transportation 7.  Communication 8.  Others…

Breakthrough #2

The Stewardship Mindset Puede ka bang pagkatiwalaan? Can you be trusted with money?

Story of the three managers

Mgr A : P5M

Mgr B: P2M

Mgr C: P1M

[according to abilidad]

Story of the three managers

Mgr A : P5M puhunan

P5M kita!

“Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master's happiness!” (Matthew 25:23. NIV)

Mgr B :

P2M puhunan

P2M kita!

“Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master's happiness!” (Matthew 25:23. NIV)

Mgr C :

P1M puhunan

P1M kita?

“…I was afraid, and…hid your money in the ground. Look, there

you have what is yours.”

Naku, nagalit si bossing: “You wicked and lazy servant!

…You ought to have deposited my money with the bankers, and at

my coming I would have received back my own with interest…. …Cast the unprofitable servant

into the outer darkness!”

Our purpose is to be faithful stewards

of whatever is entrusted to us. Not just safekeeping but make things

profitable!

(See parable of the talents Matthew 25:14-30)

How many of you are burying talents -- money or resources entrusted to you – under the ground?

“Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master's happiness!” (Matthew 25:23. NIV)

Pinagkatiwalaan sa iyo ang pera, puhunan, at kakayahan (talento)… Pinapapalago mo ba ito? Be faithful in the little things and you will be entrusted with “bigger” things. God honors good stewards.

"Ang mapagkakatiwalaan sa maliit na bagay ay mapagkakatiwalaan din sa malaking bagay; ang mandaraya sa maliit na bagay ay mandaraya rin sa malaking bagay." (Lucas 16:10 MBB)

Puede ka bang pagkatiwalaan sa mga maliliit na bagay? [can you be trusted with little things?]

Q? What will you do if you

win or inherit P80 million?

P80M Lotto Winner, Naputulan ng Kuryente. "Last Sunday’s debut telecast (True Stories on QTV featured) the story of a man who won over P80 million playing the lotto sweeps—and eventually lost most of it. In fact, his fortunes have fallen so low that the electricity in his “mansion” has been cut off, and his kitchen shelves are bare. (Inquirer.net, 1/29/10.

Florida Lotto winner wished he had never won. Family members say Abraham Shakespeare, a truck driver's assistant, was constantly hounded for a piece of his $30 million lotto winnings. Shakespeare's brother told The Associated Press that Shakespeare often wished he had never bought the winning ticket. `` `I'd have been better off broke.' He said that to me all the time,'' Robert Brown said. (In April of 2009, Shakespeare was murdered and buried in the backyard of his friend.) Read more: http://www.miamiherald.com/

"Kaya kung hindi kayo mapagkakatiwalaan sa mga kayamanan ng mundong ito, sino ang magtitiwala sa inyo ng tunay na kayamanan? At kung hindi kayo mapagkakatiwalaan sa kayamanan ng iba, sino ang magbibigay sa inyo ng talagang para sa inyo?" (Lucas 16:11-12 MBB)

Ilista lahat ng iyong ari-arian (pera, investments, negosyo,

lupa, sasakyan, celphone)

{SALN}

“The earth is the LORD’s, and everything in it, the world, and all

who live in it” Psalm 24:1

{So sino ang may ari ng nasa listahan mo?}

“Most Successful...”

...failure!”

{Everything that we could do wrong, we did wrong...}

sobrang lugi! nabaon ako sa utang sold the business

bible study applied God’s word miracles of faithful stewardship -  zero debt within 1 yr -  married within means -  honeymoon in Europe

Breakthrough #3

Applying the 7 Strategies

Kodigo para sa mga may problemang bitin na pera... 7 money management strategies so God will entrust you with more to bless others more

strategy 1

Save

Mag-ipon Para makaipon ng iyong unang milyon, kailangan mong mag-umpisa sa pag-iipon ng piso-piso. Huwag mong isipin na maliit ang piso para ipunin.

The “Automatic Millionaire” Savings System

example: If you earn P7,500 a month, save P750 every month by automatic transfer or deposited to your special savings account na nagbibigay ng at least 7.5% interest per annum (or per year). P750@ mo 3 yrs = P30,000 5 yrs = P54,000 10 yrs = P132,000 20 yrs = P400,000 30 yrs = P1,000,000!

Ang galing ‘no? Sabi nga ng genius na si Albert Eintein, “The most powerful force in the universe is compound interest.”

Savings of P2,000 a month for 20 years = P935,323

Savings of P4,000 a month for 20 years = P1,864,025 *6% p.a. compounded monthly

Savings of P10,000 a month for 20 years = P4,676,613 *6% p.a. compounded monthly

Savings of P1,000 a month for 20 years = P467,661

“Tingnan mo yaong langgam, ikaw taong ubod tamad, pamumuhay niya’y masdan mo at nang ikaw ay mamulat. Kahit siya’y walang punong sa kanila’y nag-uutos, walang tagapamahala o taga-masid na sinusunod, ngunit nag-iimbak ng pagkain sa tag-araw, kailanga’y iniipon kung panahon ng anihan” (Kawikaan 6:6-8 MBB)

“Ang tao na ipon ng ipon, pera niya’y ‘di lilipad na parang ibon!”

Do you have a savings strategy?

20 – 20 Strategy: Save 20% of your income, 20 years before you want to retire

If you save 10%-20% of your income, what happens to the rest of the 80%-90%? Do you know where your money went?

I-lista! Lahat ng kinita at ginastos sa isang buwan. (see sample hand out)

What is not measured, can’t be managed!

Do you have a spending plan or a budget?

Usual Budget X Salary/Income -  Less Expenses = Savings / Debt

Budget Y Salary/Income - Less Giving (10%) - Less Savings (10% - 20%) - Less Debt/Utang (10%) = Budget for Expenses

(70% - 60%)

BUDGET AMOUNT %

SALARY P 10,000 100%

Giving/charity (P 1,000) 10%

Savings (P 1,000) 10%

Debt/Amort (P 1,000) 10%

EXPENSE BUDGET

P 7,000 70%

Items: - Rent - Food/ - Utilities - School/Edu/Kids -  Transpo - Clothes - Entert - Misc.

P 7,000*

BUDGET AMOUNT %

SALARY P 20,000 100%

Giving/charity (P 2,000) 10%

Savings (P 2,000) 10%

Debt/Amort (P 2,000) 10%

EXPENSE BUDGET

P14,000 70%

Items: - Rent - Food/ - Utilities - School/Edu/Kids -  Transpo - Clothes - Entert - Misc.

P14,000*

When is the best time to start saving?

Why save?

Ang purpose ng pag-iipon is so that we may become generous and able to support ourselves and our family (and even our extended family who may need help).

Sabi ni Solomon: “Good people leave an inheritance to their grandchildren, but the sinner’s wealth passes to the godly” Proverbs 13:22, NLT

Purpose of surplus? “So that he will have enough to provide for the needs of others. Because true wealth comes with the gift of giving.” - Larry Burkett

strategy 2

give

experience real breakthroughs when you

give

“When profit is unshared, it’s less likely to grow greater.” Malcolm Forbes

“Magbigay kayo at kayo’y bibigyan. Hustong takal, siksik, liglig, at umaapaw ang ibibigay sa inyo. Sapagkat ang panukat ng ginamit sa iba ay siya ring panukat na gagamitin sa inyo.” - Luke 6:38

Breakthroughs happen when you trust and give Video

Dec ‘99-May 2000 Crisis situation – Very ill, suspected to have bone cancer or

leukemia

www.saltandlight.ph

www.saltandlight.ph

“Missed diagnosis”

June 2000

“SLE” Systemic Lupus: Attacked multiple

organs, esp kidneys, nervous system, etc

Very bad prognosis..

www.saltandlight.ph

October 2000

My “Miracle”: Patient

•  Kidney damage reversed

•  No chemotherapy •  No Dialysis •  Minimal medication •  Lupus quiet since 2000

www.saltandlight.ph

2001 onwards

My “Miracle” Patient

www.saltandlight.ph

Living...second life

www.saltandlight.ph

Dream trips

My “Miracle”

Patient @ Sea of Galilee

www.saltandlight.ph

Dream trips – Egypt/ Israel 2005

My “Miracle” Patient @ Sea of Galilee

www.saltandlight.ph

"Remember this: Whoever sows sparingly, will also reap sparingly, and whoever sows generously will also reap generously.Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. ...You will be made rich in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God." (2 Corinthians 9:6-7, 11, NIV)

Giving is a sign that God’s love is in you: “If anyone has material possessions and sees his brother in need but has no pity on him, how can the love of God be in him?” (1 John 3:17, NIV)

“Give generously to him and do so without a grudging heart; then because of this the LORD your God will bless you in all your work and in everything you put your hand to.” – Deuteronomy 15:10

strategy 3

get out of debt and stop borrowing

“Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law” Romans 13:8

Why people get into debt

I – Impulsive buying / indulgence P – Poor planning (no planning) I – Ignorance S - Shopping sprees / short term view of savings

Ways to get out or stay out of debt

1.  Borrow from a pessimist (humiram sa isang pesimistang tao)

2. Budget for debt repayment – don’t go into denial

a.  Make a list – person/org and amount b.  Pay off the smallest debt first c.  Then pay off all others by installment

3. Communicate with your debtors

4. Avoid emotional spending - Huwag bumili ng gamit pag depressed - Huwag pumunta ng supermarket ng gutom - [Tip: bring only cash when you go to supermarket]

Tips from Pastor Jim Reyes when at the mall: 1.  Drink lots of water. 2.  Walk a lot. 3.  Eat champoy. 4.  Read a book 5.  When you see a SALE sign:

S – Stay A – Away L – Look E – Elsewhere!

i.e. Flee from sin!

Mahirap ang mabaon sa utang. Sabi ni King Solomon: “The rich rules over the poor, and the borrower becomes the lender’slave” (Proverbs 22:7, NASB)

Kaya lang, there is a debt that we can never pay for: “For the wages if sin is death, but the gift of God is eternal life in Christ Jesus our Lord” – Romans 6:23

“All of us have sinned and fallen short of God’s glory. But God treats us much better than we deserve, and because of Christ Jesus, he freely accepts us and sets us free from our sins.” Romans 3:22 - 24

Why did he pay for our sins? Pag-ibig. Ito ang pag-ibig na hindi bitin. Hindi kayo papabayaan ni Hesus. “For God so loved the world that He gave his only son, Jesus Christ, so that whosoever believes in Him will not perish but have eternal life.” John 3:16

strategy 4

Live Simply “Mabuhay ng simple!”

“Being frugal* is the cornerstone of wealth building.” - The Millionaire Next Door

US$89 billion dollar man

FRUGAL: IKEA billionaire owner rides bus,

flies economy class

Kung mayroon lang tayong pagkain at damit, tama na raw iyon, dapat kuntento na tayo (Paul to Timothy - 1 Tim 6:8)

champion boxer – earned $300M career (P13.5B) employed 200 (drivers, bodyguards, chefs, gardeners, etc) $4.5M on cars and motorcycles $3.4M on clothes and jewelry $7.8M personal expenses $140,000 tigers + $125,000 trainer $2M bathtub as gift to wife $410,000 birthday party $230,000 cellphones 2005 Utang/Debt = $38M

champion boxer – champion gastador 2005 Utang/Debt = $38M

world champion boxer – pinoy from gensan

“Keep your lives free from the love of money and be content with what you have because God has said. Never will I leave you, never will I forsake you.” (Hebrews 13:5, NASB)

Tale of two workers Lita • Lives simply – no malls, no movies • Reads for enjoyment • Laundry woman • Husband – jeepney driver • Sent 5 children to school – all working • Very seldom asked for advance on salary

Tale of two workers Lori Gastador Text / load DVD Asawa – spends on cigarettes/yosi, alak Always asks for advance

Frugal*: matipid, kuripot

Pray before you pay.

strategy 5

Magsipag, Mag-negosyo

“Lazy people are soon poor; hard workers get rich.” (Proverbs 10:4, NLT)

Composition of millionaires in the world: 1% - celebrities (singers, actors, athletes) 5% - top salesmen 10% - top specialists (lawyers, doctors, professionals) 10% - top executives of mega corporations 74% - entrepreneurs! (Bo Sanchez, 8 Secrets of the Truly Rich)

“All hard work brings a profit, but mere talk leads only to poverty” - King Solomon (Proverbs 14:23)

“Do not love sleep or you will grow poor; stay awake and you will have food to spare” - King Solomon (Proverbs 20:13)

my work story - • ham cook • call center • gardener • mail room clerk • test subject – sleep deprivation study • fire extinguisher salesman • encyclopedia salesman • writer • employee - entrepreneur • concert promoter

“Most Successful Failure”

“Everything that we could do wrong, we did

wrong...”

Start up: Salt & Light Ventures 2000

How do I grow this business?

How Salt & Light Ventures became #1 niche seminar producer and promoter

We started small and dreamed BIG

Start small: 15 to 50 people workshops

How do I grow this business?

Then… 100 to 250 people seminars

Then… 300 to 500 to 1,000

people conferences

Okay – let’s go! Think BIG: Araneta Coliseum and PICC

10 years after the “most successful failure” concert business in CDO…a seminar with 14,000 people!

PICC: 4,000 people

Total for 2 days: 18,000 people

“God has given you the ability to produce wealth” (Deutoronomy)

Microfinancing

MFI’s – WorldVisionMicro.org Maragondon, Cavite Natural/organic farming Organically fed hogs – P10k @

Franchising http://www.gmbfranservice.biz/

Small business, franchise or direct selling distributorship www.dsap.ph

Put in 5 years part-time

Earn royalties = full time salary of a manager/executive for next 15 years

My experience as a network marketing distributor:

Bonus session!

3K-Marketing

KKK

KKK #1K

“KAKAIBA” {differentiate and innovate}

Kakaiba ba ang tindahan mo?

Maglista ng 5

“Pinaka”

(Pinaka mabait, masungit, malinis, madumi…etc)

Basta kung saan ka puwede maging kakaiba (kahit sa fantasya!)

“Pinaka… Maaliwalas…

Maliit / Malaki / Mabait / Masungit Magara / Masimple / Malinis / Marumi

Maganda / Ma-pangit / Matimis / Maasim Mabango / Mabaho / Mahaba / Maigsi

Malumot / Masama / Mahangin / Matangos / Mabarato/ Mahal /

Malasa / Masarap / Maraming …. Pinaka-enjoy, pinaka-kadiri, pinaka-cholesterol, pinaka-

trusting, pinaka…

KKK #1K - “KAKAIBA”

{differentiate and innovate}

‘K’ase studies

KKK #1K - “KAKAIBA” Pinaka-trusting

Honesty Coffee Shop

Pinaka-trusting Hones

Pinaka-trusting Honesty Coffee Shop

Pinaka-trusting Honesty Coffee Shop

Pinaka-trusting Honesty Coffee Shop – Batanes

Pinaka-trusting Honesty Coffee Shop – Batanes

Pinaka-psychiatric o pampalamig ng init ng ulo

Taksiyapo store and restaurant - Pampanga

Pinaka-enjoy na bakery Bread Talk – Singapore, Manila, Etc

Pinaka-enjoy na bakery Bread Talk – Singapore, Manila, Etc

* Breadtalk (Singapore) Innovation: Experiential buying of different

varieties of bread.

*Breadtalk (Singapore) Started in 2000 by George Quek when he was 46 Today does $123M in sales 30+ different countries

Pinaka-malutong na krispy krickets / (pinaka-fear factor na pagkain)

Insect-Inter – Bangkok, Thailand

Insect Inter (Thailand). #1 in Insect-fastfood category

Slogan: “Never mind the look, it tastes great“ founder – Satapol Polprapas

Insect Inter (Thailand)

Ø RESULT Ø 60+ outlets

Ø Over 15M Baht in sales @ year Ø 100 new franchisees

Insect Inter (Thailand)

"I have absolutely no doubt that our crispy, crunchy crickets will replace popcorn as a favourite snack in cinemas“ - Mr Satapol Polprapas, InsectInter Founder, 29 yrs old (started with just P160 investment)

Pinaka-masarap mabusog (budget) (unlimited rice kasi…) Mang Inasal – Philippines

Pinaka-kakaibang produKto Krazy Store – Japan

Pinaka-kakaibang produKto Krazy Store – Japan

Think!

KKK #2 K

“KAIBIGAN”

Kaibigan ka ba ng mga ‘K’ustomers,

Komunidad at Kalikasan?

Myshelte

A world full of junk We don’t want a polluted Earth

Seeing Possibilities

Solar Bottle Light Natural daylight for the community

What is the common source of light?

Bulbs •  Consume energy •  Cost of electricity

Made from readily available & recyclable materials…

2L PET soda bottles encased in GI corrugated

sheets

Easy to assemble…

Provides a good source of light

equivalent to 55 watts

Before and After

KKK #3 K

ma“KULIT”

Increase transaction size by being Ma”KULIT” (pero malambing):

“O baka kailangan nyo rin ng…” Magtanong…

asK and you shall receive!

Bonus idea:

Think!

strategy 6

Mag-invest

Double your money offer

The lesson is “If it’s too good to be true, it probably is!”

“People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs” (1 Timothy 6:9-10)

“Before you invest, investigate.”

NBI WARNS OF MORE PYRAMID SCHEMES Philippine Daily Inquirer, February 23, 2008

SHOWBIZ CELEBS INVESTED IN FRANCSWISS SCAM Philippine Daily Inquirer, July 11, 2007

FORMER PBA CAGER ADMITS LOSING MONEY TO FRANCSWISS Inquirer.net July 18, 2007

BOGUS ‘SM’ ONLINE FIRM LURES INVESTORS Manila Times, July 13, 2007

Investing in Real Estate? Read Larry Gamboa’s “Think Rich Pinoy” book. Tip: Look for foreclosed properties through bank listings and auctions

Stock Market

“If you are a disciplined investor, at nag-iinvest ka regularly ng P5,000 a month for the next 20 years in Blue Chip stocks or shares, after 20 years, your shares should be worth P20 million pesos.

Citisec (www.citiseconline.com.ph)

Mutual Funds BPI / Philam Others [Presentation]

Ask your bank manager about: 1.  Special Savings (3 mos) 2.  5 Year TDs

a.  tax-free, b.  interest out monthly c.  Check out large Rural Banks, Govt

Owned Banks or Small Savings or Commercial Banks (interest p.a.: 5% - 7.5%+)

3.  Corporate Bonds (PLDT, SMC, Vista etc)

a.  5 to 10 yrs b.  Interest out quarterly c.  Range 5% - 8% Or ask for T2 (Tier 2)

Financial Goal Setting Exercise [See handout] Financial Goal Setting My current monthly overhead based on actual expense is: P________________ My projected monthly overhead in five years based on future needs (education, new home, etc) will be P_____________. God willing, I will have the amount of P_________________ in my “retirement” account/s by the year _____.

Here’s a Simple “Retirement” plan if you want to start working in your dream job, ministry, write, take care of family, travel,study again, teach, etc. Work hard in your job, business, save aggressively, invest wisely and consistently in stocks and then start setting up different retirement accounts over the next 5 to 10 years. Then start earning passive monthly or quarterly income from 5 YR TD placements, Corp Bonds, Rental income and pension plan.

- the exercise of good judgment, common sense, and even caution,

especially in the conduct of practical matters.

Practise “Prudent Optimism”.

Invest whatever the cycle is.

175-year old conglomerate. Investing almost P50 B in their

business this year.

“We continue expanding in a down cycle and that comes back many times over when things turn out better.”

Q: Are you also expanding in this “down cycle” so that your investment comes back many times over when things turn out better?

“We’re very prudent in the way we use and deploy our capital. Clearly, there is a global crisis right now and as we look at our budget, we measure it carefully in relation to what the market can take. But if you look at our capital expenditure for the year, this is not an insignificant amount. We don’t know of any other group that is spending that kind of money in a down cycle.”

Jaime Augusto Zobel de Ayala

OR…you can always learn how to box like:

and earn $22M++ after one fight.

strategy 7

Educate Yourself

Sabi ni Chinkee Tan sa kanyang libro, For Richer & for Poorer, “Rich people educate themselves more than they entertain themselves. Poor people entertain themselves more than they educate themselves.”

231

“Masa” mentality

•  Spend for things they believe they “need” - Colored TV /DVD

•  Splurge on celebrated occasions: Christmas, New Year, Valentine (Western influenced); fiesta, jueteng (Native Filipino)

232

Lower/Middle Class Segment

•  Ubos ang pera sa Bingo, Lotto, Billiards, Sabongan…

Magsubscribe sa Wealthy & Wais text service. Just text WEALTHY and send to 2910 (Smart/Globe ) Simple lang!

Get daily encouragement on how to wisely manage your finances for just P2.50@day.

Magsubscribe sa Go Negosyo Text Tips service. Just text Go Nego and send to 2910 (Smart/Globe)

Simple lang! Get daily encouragement on how to start up and run a business for just P2.50@day.

Diagnostic Test:

Stare for a few seconds at each of the following patterns.

  Are the patterns moving?

  Or are they perfectly still??

Look for scholarships and educational exchange programs for yourself or your children.

Budget 10% of your personal income for continuing education, seminars, books

Important Educate yourself on how to be healthy. Take responsibility. Or else you’ll spend what you saved and earned to gain back your health. Health is wealth!

If God asked you what you wanted, what would you ask for?

And so the story goes: “That night God appeared to Solomon and said, ‘What do you want? Ask, and will give it to you!’ 2 Chronicles 1:7-12

Solomon replied to God, ‘you showed faithful love to David, my father, and now you have made me king in his place. O LORD God, please continue to keep your promise to David my father, for you have made me king over a people as numerous as the dust of the earth! Give me the wisdom and knowledge to lead them properly, for who could possibly govern this great people of yours? 2 Chronicles 1:7-12

2 Chronicles 1:7-12 God said to Solomon, ‘Because your greatest desire is to help your people, and you did not ask for wealth, riches, fame, or even the death of your enemies or a long life, but rather you asked for wisdom and knowledge to properly govern my people—I will certainly give you the wisdom and knowledge you requested. But I will also give you wealth, riches, and fame such as no other king has had before you or will ever have in the future!.”

Sabi ni Haring Solomon, na naging pinakamayaman na hari even after he asked God to bless him with wisdom, “Trust in the LORD with all you heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight” (Proverbs 3:5-6)

O God, I beg two favors from you before I die. First, help me never to tell a lie. Second, give me neither poverty nor riches! Give me just enough to satisfy my needs. For if I grow rich, I may deny you and say, "Who is the LORD?" And if I am too poor, I may steal and thus insult God's holy name. - King Solomon (Proverbs 30:7-9 nlt)

Diyos ko, may hihilingin akong dalawang bagay bago ako mamatay: Huwag akong hayaang maging sinungaling. Huwag mo akong payamanin o paghirapin. Sapat na pagkain lamang ang ibigay mo sa akin. Baka kung managana ako ay masabi kong hindi na kita kailangan. Baka naman kung maghirap ako'y matutong magnakaw, at pangalan mo'y malapastangan. Kawikaan 30:7-9

“enough” “sapat” “sakto”

= Contentment

World’s most expensive wedding –

US$60m – almost P350m

wedding held in Paris last June 2004 – the bill was footed by the billionaire

Indian father of the groom.

US$60 MILLION WEDDING

"Yet true godliness with contentment is itself great wealth. 7After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it.” Paul to Timothy 1 Timothy 6:6-7, NLT

“Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also” (Matthew 6:19-21)

Follow God’s wisdom, and you’ll be godly, righteous: “Once I was young, and now I am old. Yet I have never seen the godly abandoned or their children begging for bread." (Psalm 37:25)

Pitong Paraan Para Di Mabitin ang Pera 1. Save. Gamitin ang “Automatic Millionaire” saving system. 2. Give. Honor the Lord and give back with a joyful heart. Be generous to your family and to the poor. 3. Get out of debt and stop borrowing.

Tama na ang utang, salary advances at cover-spending 4. Live simply. Be frugal. Keep your expenses less than your income.

Pitong Paraan Para Di Mabitin ang Pera 5. Magsipag, Mag-negosyo. Maging enterprising o mag-umpisa ng sideline o negosyo 6. Mag-invest. But “investigate before you invest” para hindi maloko sa mga scams. 7. Educate yourself. Mag-aral and pray for wisdom. Magbasa ng mga libro at

mag-attend ng mga seminars para madagdagan ang iyong knowledge at skills.

Mag-umpisa na!

Thank you!

www.saltandlight.ph

From the Roberto family

Facebook.com/angpera Cel: +0920-9519618 Email: ardy@saltandlight.ph

Ending story

“And my God will meet all your needs according to His riches in glory in Christ Jesus” (Philippians 4:19) Sa Tagalog, “At buhat sa hindi mauubos na kayamanan ng Diyos, ibibigay niya ang lahat ng inyong kailangan sa pamamagitan ni Cristo Jesus. Purihin ang ating Diyos at Ama magpakailanman! Amen” (Filipinos 4:19-20, MBB)

“Dear Lord, Salamat! I learned a lot about how to be a faithful manage of Your money which You entrust to me or will entrust to me. Salamat, Lord, na meron pa akong pag-asa para maging good provider para sa aking pamilya. Ngayon na natuto na akong mag-save, magbigay, mabuhay ng simple, magsipag, mag-invest, at mag-aral para umasenso at maging isang faithful steward, sana Lord, You will bless my plan and my actions.”

“Pero, mas mahalaga Lord God, I pray that You will now enter my life as my Lord and Savior. I am yours! I know that all the material possessions that I have in this life do not compare to being with You in heaven at the end of my life.” “Salamat Lord Jesus sa Iyong pagmamahal. Amen!”