Monday, September 29, 2008

IT Expo 2008

I was given a privilege to attend IT Expo 2008 from September 30 - October 2, 2008 @ the Philippine Trade Training Center.

I feel like I'm a real entrepreneur. I've met people here and was able to introduce my company about our services and in fact I'm into inviting applicants particularly fresh graduates from competitive school for Web Programmers and System Analysts slots. Haahahah. Before I am very shy and timid. I even can't stand on the front and introduce myself. I even got a shaky knees whenever I am forced to do so. Really, I'm new now! hahahahahha....

Thanks for my company for this opportunity. Well I got so amazed I was able to seatmates in the conference room is one of the guest speaker. Hahaha I even met Dennis Salvacion before I met him in DepED IT Conference in Cebu City last September 2006 a few years ago....Hahahahaha...
I'll be posting more stories so keep on visiting my blog.

Wednesday, September 24, 2008

Dream Big

"Dream Big".

Proverbs 10:24
"What the wicked dreads will overtake him
What the righteous desires will be granted."

Yes and amen to the praise of our Lord Jesus Christ.
If I keep on believing, follow Jesus in every aspects of my life, live by the Word of God - then blessings will come. Dreams will materialize. Surrounded by God's favor living a life blessed, simple and happy life.

Remember before it happens to the natural, it happens in the spiritual.

Monday, September 22, 2008

The Law of the Garbage Truck

I told earlier on my previous posts that I'd love collecting inspirational articles and again I just got the chance to pick up a new one. Read it on.

The Law of the Garbage Truck
One day I hopped in a taxi and we took off for the airport. We were
driving in the right lane when suddenly a car jumped out of a parking
space right in front of us. My taxi driver slammed on his breaks,
skidded, and missed the other car by just inches! The driver of the other
car whipped his head around and started yelling at us. My taxi driver
just smiled and waved at the guy. And I mean he was really friendly.
So I asked, 'Why did you just do that? This guy almost ruined your car
and sent us to the hospital!'
This is when my taxi driver taught me what I now call 'The Law of the
Garbage Truck.'
He explained that many people are like garbage trucks. They run around
full of garbage, full of frustration, full of anger, and full of
disappointment. As their garbage piles up, they need a place to dump it
and sometimes they'll dump it on you. Don't take it personally. Just
smile, wave, wish them well, and move on. Don't take their garbage and
spread it to other people at work, at home, or on the street.
The bottom line is that successful people don't let garbage trucks take
over their day. Life's too short to wake up in the morning with regrets,
so...
'Love the people who treat you right. Forgive the ones who don't.'

Sunday, September 21, 2008

Learn to Save

I love to collect inspirational articles and post here in my blog. I find it soothes and boost my morale. I hope you'll learn from this one cause I learned from it. Why not read it on?

How a Taxi Driver Became a Bank President

Source: http://bosanchez.ph/how-a-taxi-driver-became-a-bank-president/

It all started when my plane to Cebu was delayed by 5 hours.

While my fellow-passengers around were acting like enraged volcanoes spewing lava, cursing the catastrophe that befell upon us—I smiled and closed my eyes. Instantly, I felt peace. I whispered, “Lord, you have a special surprise in store for me.”

And in minutes, I discovered my gift.

That special surprise was Ray, a man who would bless me with his life. He also gave me key business ideas that would double my income.

He greeted me with a firm handshake and a friendly smile. “I watch you on TV,” he said, “and I text my family and friends to watch you.”

Like me, Ray’s flight to Mindanao was delayed for 8 hours. (All the flights that day were delayed. The airport looked like a refugee camp with people sitting on the floor and crowds begging for food from the airline personnel.)

I didn’t know why, but I sensed a connection with the man in front of me.

Later on, I discovered why.

As we found seats and ordered coffee, Ray shared with me the riveting story of his life. I was so swept away by his experience, I forgot all about my coffee.

“I went to Bible School and became a Pastor,” he said. “I pioneered a small church.” But after being a Pastor for 3 years, tragedy struck. His wife lost a baby boy in her pregnancy. The trial caused Ray to think about his family more.

“It’s lonely being a Pastor,” he explained. “The problems of my flock are all my problems. But my problems were only mine! So I asked my people to pastor their pastor too.” Slowly, he delegated his roles to his congregation as he felt a need to focus on his family—especially their financial needs.

His joined corporate life. For 6 years, he worked for a big company as their Regional Manager for the entire Mindanao (Southern region of the Philippines). He was earning P50,000 a month (US$1000+), a big sum during that time. But at the end of the day, he was still broke. In fact, he was in debt to the tune of P1.2 Million (US$26,000+)—including a warrant of arrest.

To survive and feed his children, the former Regional Manager became a Taxi Driver. It was an incredibly humbling experience. But he learned important lessons that would change his life forever.

Rey was now only earning P350 a day—a far cry from what he was earning before. But it was here where he learned how to manage his money.

It was here where he learned how to live within his means.

It was here where he learned how to save.

Ray said, “People like to manage what they don’t have. That’s why they’re poor. By borrowing for stuff they can’t afford. During that year as a Taxi Driver, I learned to manage what I had. And I was actually better off earning P350 a day than earning P50,000 a month! Because now, I learned to manage my money.”

After one year of being a Taxi driver, he borrowed enough money to buy cabs and became a Taxi Operator. But that was only a transitional step to learn how to run a business. His real goal was to be in the “money” business.

Ray wanted to own a bank.

So his first step was to work in a Rural Bank—without asking for a salary. He simply wanted to learn. And 3 years later, when he learned enough, Ray built his own Rural Bank.

Today, his Rural Bank is going strong. So far, after 7 years, the bank has given micro-loans to over a thousand people in his city, providing them with capital for their small businesses. And with 97% repayment efficiency! Because of this, his bank is transforming the lives of the poor. He teaches them the habits of saving, investing, and entrepreneurship.

Ray explained, “I ask people, ‘Do you want to prosper? What do you have? You may not have money. But you have time. Not just time, but time to learn. So use that! Join an insurance company and be an agent. Or join a company and sell their product. The important thing is to learn—and from there, branch out. Don’t get a job to earn money. Get a job to learn! And don’t start a business to earn money. Get into a business to learn! The money will follow.”

He continued, “Some people start a business and want to earn right away. But that’s not wise. Starting a business is like a slingshot. You have to pull back. That means clearing the way. Take time pulling back. Because when it’s time to release, you’ll be surprised that your business will rapidly shoot towards the target.”

Ray is a Serial Entrepreneur. At the back of his calling card is a list of his other businesses: a construction company, a property management company, salons, restaurants—plus a few more.

“I never manage my businesses,” he said, “I pass it on to people who can do a better job. I make them part owners. That’s why I can own many businesses.”

As Ray spoke, it was though I was hearing myself preach.

We both have the same beliefs about money.

We’re both Preachers that address the practical needs of people.

We’re both Serial Entrepreneurs.

And we both are fighting poverty by teaching three things to the Filipino: (1) a practical spirituality, (2) a more positive financial mindset, and (3) financial literacy.

Oh, one last thing: We both love our families.

At the airport, I met Ray’s lovely wife and beautiful daughter with him.

I sensed the happiness in his family. It was refreshing.

That day, my catastrophe turned out to be a rich blessing.

Not only for me, but everyone who’s reading this blog right now.

Talking to Ray made me realize more than ever before that we should never tell ourselves, “I’m stuck where I am. My life will never change.”

Keep dreaming my friend.

God has a wonderful plan for your life.

Pursue it with passion.

May your dreams come true,

Bo Sanchez

Friday, September 19, 2008

all about Saturday

After a 5-days work, i really love saturday - saturday is my rest day. After a tiring household chores, linis doon linis dito, my husband and I will always go out and have some coffee break. We take time to be together since from Monday to Friday we only have limited time to share. Our favorite coffee is cafe mocha partnered with muffins or roasted chicken sandwiches. Though it would be an additional expense but it is very important. It's our way of relaxation. In the coffee shop, we laugh, tell stories, shares inspirational matters, read books and magazines, dream and plan. Sometimes, we find it too comfortable for a place for meditation.

Mahirap rin walang relaxation, I'll get tired easily. Parang ung isang linggong pagtatrabaho sa isang baso ng kape at malambot na kutson natatanggal ang pagod. Isa nga yan sa pangarap ko, magkaroon kami ng isang section sa bahay na ala resto ang dating. Someday, mangyayari un. Tsaka ung mga i-offer na food is ala resto din ang dating hahahah meron ding barista for coffee. Wow, sarap naman nun! Di bale darating un sa amin. Thank You Lord. I am writing this as a witness of the realization of my dreams. God bless you.

Travel

This is my one of my deepest desire - to travel. Before I used to encourage myself to work abroad para nakakatravel na rin habang nagwo-work. But it seems to be that the spirit of patriotism burns out in me. Now I believe that if God can blessed other countries in the world, why not the Philippines? But it would be sooner - in His due and perfect time.

If I will to travel, it would be the native islands and historical places on top of my lists. If I have been able to travel around the Philippines, then it would be high time for me to travel in Australia, Japan, Canada, Paris and United Kingdom.

This is the places which I would like to visit and it would be sooner: (I'm so excited....)
Bagamanoc, Catanduanes white islands - our ancestral resthouse and resort
Boracay
Puerto Princesa
Palawan
100 Islands
Villa Escudero
and many more.

Philippines' Islands and Historical places - wait for me...

Thursday, September 18, 2008

PLMUN Alumni

there will be an PLMUN Alumni Homecoming on September 22, 2008 @6PM to be held @ PLMUN. I'm so excited to attend on this. Seeing the old faces 10 years ago hahahahah!
To all BSCS Batch 2001 and ACS Batch 1998 see you there. Lots of stories to tell.

Monday, September 15, 2008

goals

achievers set their goals.
achievers know their goals.
achievers works for their goals.

am I really moving forward to achieve my goals?

in my simplest terms, I've made up to my mind to save from my earning income - and that's my "set goal".

Now that I have set my goals, it would be more clear and specific to tell it right now that I "know my goals" - and that would really change my way of spending. Now every single penny counts.

Sep. 2008 - 5,000 + 5,000 (every payday) = 10T
Oct. 2008 - 5,000 + 5,000 (every payday) = 10T
Nov. 2008 - 5,000 + 5,000 (every payday) = 10T
Dec. 2008 - 5,000 + 5,000 (every payday) = 10T
Jan. 2009 - 5,000 + 5,000 (every payday) = 10T
Feb. 2009 - 5,000 + 5,000 (every payday) = 10T

In just 6 months, if I will be religiously saving, I will have Php 60,000.00 - and this part of my life I call it "working for my goal".

Note: Curtain and sound proofing in Children's Ministry Room. Deadline for the curtain would be September 30, 2008 and for sound proofing would be October 15 - 30, 2008. To God be the glory, ganda nito pag natapos!

Friday, September 12, 2008

Financial Freedom

Bringing Order to your Financial House

By: Gordon Oosting


Published:
Aug 1st, 2007

The Bible has a lot to say about money. Here are seven points from the Bible to help put yours in order.

Scripture has a wealth of information concerning money and possessions and it gives us a tremendous amount of insight on how to put our financial house in order. While “Faith” and “Prayer” are mentioned 500 times in scripture, money and possessions are mentioned 2300 times. The importance of handling money is set forth in Luke 16:11 – “Therefore if you have not been faithful in the unrighteous mammon (money), who will commit to your trust the true riches”? The Lord expects us to be faithful in the use of our money, because how we handle our money really gives a picture of what is going on in our hearts.

With all the emphasis that scripture places on money and our use of it, I am always amazed at how many people go through life with no plan for the use of their money concerning spending, giving, saving or controlling their money.

Without a plan, it is impossible to have your financial house in order. No carpenter would attempt to build a house without a blue print or plan. No traveler would set out on a journey without maps and a plan. Proverbs 21:5 says that “The plans of the diligent lead surely to plenty, but those of everyone who is hasty, surely to poverty”.

A “plan” that will cause you to be counted as “diligent”, and will surely lead you to plenty, consists of seven steps.


Seven Steps to Financial Freedom

#1 – Acknowledge God’s Ownership

The first step to financial freedom is the most difficult step for most Christians to take. It is the acknowledgement that everything belongs to God and we are the stewards or managers of what he has supplied. I Chronicles 29:11-12 states this principle most clearly: “Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything. Riches and honor come from you alone, and you are the ruler of all mankind; your hand controls power and might and it is at your discretion that men are made great and given strength”.

No one can achieve true financial freedom until God is acknowledged as the rightful owner of all our possessions and finances. Once this decision is established in our hearts, the remaining steps become relatively easy.


#2 – Establish a Budget

Many people have a negative connotation of the word “Budget”. However, the fact is that a budget is a critical step in obtaining financial freedom. It controls overspending and establishes a plan of telling your money where to go rather than asking where it went. It can bring harmony and communication into your marriage and can relieve the stress of debt and financial pressures.

A budget simply measures your monthly income and expenses and insures that you spend less than you make.

In reality, a budget is a short term tool to achieve your long term goals. Proverbs 16:3 says “Commit your works to the Lord, and your plans will be established”. Follow God’s financial principles, and your plan or budget will be successful.


#3 – Keep Giving & Saving at the Top

Most people have their budgets turned upside down with giving and saving at the bottom of the list. To be successful, however, giving and saving have to be at the top of the list, or else we spend all of our money on the multitude of things that present themselves.

Giving should be the very first thing we do with our income. Proverbs 3:9 says “Honor the Lord with your possessions and with the First Fruits of your increase”. In scripture, the word “tithe” actually means the first tenth. By giving and loosening our grip on money, it will loosen the grip that money can have on your heart. “Be rich in good works --- be generous and ready to share” (I Timothy 6:18).

The second budget step has to be saving or paying ourselves. It is reported that 70% of Americans live paycheck to paycheck and do not have enough in savings to survive for 60 days if they were to loose their regular income.

A good goal is to save 10% of your income. Saving $400 per month (10% of a $50,000 annual income) will build a nest egg of $2,500,000 over a 40 year working career. The key is to get started now or you will never achieve the financial freedom that is available.


#4 – Get Out of Debt ASAP!

There are two verses that should encourage you to become debt free as soon as possible. Proverbs 22:7 says that “The borrower is servant to the lender” and I Cor. 7:2 says “You were bought with a price, therefore do not become slaves of men”.

Debt is dangerous because it tempts us to rob God to pay our creditors. Also, statistics show that 75% of all divorces list money problems and debt as a major factor in the divorce.

The fastest way to get out of debt is to commit to no new debt in your future and attack your existing debt as aggressively as possible and you will be well on your way to financial freedom.


#5 – Avoid indulgence and Hasty Decisions

Americans are prone to indulging in whatever wants, needs, or desires are set in front of them. However, over-indulgence is a sure sign of greed and in Luke 12:15 Jesus warns “Beware and be on your guard against every form of greed; for not even when one has abundance does his life consist of his possessions”.

Hasty decisions are also often motivated by greed. Proverbs 21:5 says “The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty”. Patience and self-discipline, rather than greed and instant success, are the ways to financial freedom.


#6 – Establish Goals

Without sound financial goals, our lives end up as “wandering generalities” rather than being lived according to God’s plan. Habakkuk 2:2 says “write the vision in clear letters on a tablet, so that a runner can read it and tell everyone else”.

A budget is the short term tool to reach our long term goals. Long term financial goals should be in writing and should include items such as Giving & Savings, Debt Repayment, Educational Goals, Lifestyle Goals, Retirement Goals, etc.

Prayerfully writing and developing our goals is a sure step towards financial freedom.


#7 – Learn Contentment

In Philippians 4:11, Paul says “Not that I speak from want; for I have learned to be content….”. Contentment isn’t something that comes to us naturally. It must be learned. Contentment with what God has provided will eliminate all the negative aspects of greed, envy, jealousy and pride from our hearts. When we are content, we can be at peace with God. “And let the peace of God rule in your hearts”. (Colossians 3:15).

Follow the above seven steps, let the peace of God rule your heart, and He will lead you into financial freedom.

-----

About the author

Gordon Oosting has been in the banking industry as a commercial lender for 25 years. He is currently a senior vice president at Mercantile Bank of Michigan. He and his wife have been attending ResLife for 10 years. He is currently the ResLife Deacon chairman. He has 20 years of experience at teaching finance management classes in church and small group settings.

To learn more detail concerning the seven steps to Financial Freedom, check the ResLife bulletin for information on the Finance Class beginning in September, 2007.

Scripture references in this article are from the New King James Version.

Thursday, September 11, 2008

Ka-Bizyonaryo, Entrepreneur Ka Ba?

I just wanna share what I've accidentally seen on the net. It's very inspiring. Come on and take the time to read. It's inspires me too. and it goes like this:

Ka-Bizyonaryo, Entrepreneur Ka Ba?

Sa daigdig ng pagnenegosyo sa ating bayan. Ang mga nakararaming maliliit na negosyante ang pinakahirap. Kulang na sa capital, wala pang substantial support mula sa ating government. But as true entreps, we don’t care. We are going to pursue our dreams for our loved ones and our beloved country. After all, this is our dream not theirs. Tayong mga entreps are morally obligated sa ating mga sarili at sa mga mahal sa buhay na abutin ang ating mga pangarap even without help from the government.

Sa Harvard Business School (HBS), students were asked kung ano ang meaning ng entrepreneur, very enlightening ang mga sagot nila at ang definition ng HBS Community pioneered by HBS's Howard Stevenson ay ganito;

"Entrepreneurship is the relentless pursuit of opportunity without regard
to resources currently controlled."

Kung pakaiisipin, malalim ang ibig ipakahulugan nito. Lapat na lapat ang definition na ito sa mga maliliit na negosyante sa ating bansa. May dalawang bahagi ito na mabuting suriin natin.

Una, ang walang patid na pagtugis sa opportunity. Entreps will never stop pursuing, he will continue to strive, kung minsan pa nga gagawa sya ng mga paraan just to create opportunity. Kahit gaano pa ka-elusive ng opportunity, you should not waver. Entreps are like miners, naghuhukay sila para minahin ang ginto sa mga bundok. Gumagawa ng mga tunnel na madadaanan. Hukay dito hukay dun, makuha lang ang kapirasong ginto. Nananatili at nagpapatuloy, kung minsan nga, pagod, gutom at kamatayan sinusuong upang ialay ang tagumpay sa mga minamahal.

Pangalawang bahagi ay ang pagwalang bahala nya sa kung ano mang resources mayroon sya. Kung minsan kasi kapag nagfocus ang isang entrep sa kanyang resources na kulang o maliit, madidiscourage na sya at titigil na. Gagawing dahilan upang di na ipagpatuloy ang pag-abot sa kanyang mga pangarap ang mga kawalan nya ng resources. Ang maliit o kawalan ng capital, walang tinapos na pag-aaral, walang sasakyan, wala nito, wala noon, etc.

Di mahalaga sa ating tagumpay ang mga ganitong bagay. Tulad ng tubig, na patuloy na hahanap ng dadaluyan, kahit pigilan mo pa, na gagawa at hahanap ng paraan upang dumaloy, ay ganito din naman ang tunay na entrepreneur. Malikhain at maparaan di titigil at magpapatuloy hanggang makamit ang tagumpay. . . Tanong ko sayo ngayon. . . Entrepreneur ka ba?


Ang inyong Ka-Bizyonaryo,

Bayanihan

special credit and thanks to:
http://www.bizyonaryo.com/forum/viewtopic.php?p=109

Wednesday, September 10, 2008

rainy days on september

kapag rainy days sarap matulog, sarap maghikab, sarap magkumot at humiga sa kama. nakailang hikab ako sa mrt kanina, ang laki ng open ng mouth ko hahahaha and nakakahiya. it's really a rainy day but thank God I have a black coat and umbrella that protects me from being wet while walking in the rain. i rode in a CHER bus going to EDSA at exactly 8:00AM, been surprised and grateful that I am in Ayala at around 8:45 wow! it's really amazing. since we've move now to annapolis it's really not a hard time anymore to be in the office on time. hahahaha....and now i can wear my office attire hahahaha ala "ayala girl" hehehhehe...

Tonight @6:30PM our department will be in Ortigas to attend a Drupal Training. It's nice that I am wearing my black coat baka malamig dun hahahahahha...

a few months from now on, Christmas is coming. I'm really excited about this Christmas and I believe that God will make it more beautiful and more blessed than last year. Well, still God is good all the time. He who have began a good work in me will be faithful to complete it.

to my friend Darwin, I hope we'll see each other again. May utang ka pong kape sa akin. hahahah.... Thank's for the treat anyway.

Sunday, September 7, 2008

lot for Sale

lately this afternoon, i just got the chance of getting contact infos of buyers of lots in Katarungan Village and here is what I've found...

120 sq. mtr. lots / 5000 php per sq. mtr
258 sq. mtr. lot / 5500 php per sq. mtr.
157.5 sq. mtr lot / 5500 php per sq. mtr.
interested buyer may call at this
no. 520-11-06 look for CEL

someday we'll have it. Thank You Lord. Basta be good. Obedience comes first before blessings.