EXTRA INCOME PARA SA MGA OFW

Isa na yata sa pinaka mahirap gawin ay ang iwan ang pamilya para mag trabaho sa ibang bansa. Yun bang wala ka pag may okasyon. Birthday ng anak, birthday ni tatay, birthday ni nanay or may award si anak at sasabitan ng medal pero wala ka kasi nasa ibang bansa ka. Pag pasko at bagong taon asan ka? Andun sa abroad at maaring nag iisa...pero sabi nga what to do? Ang hirap ng buhay sa Pilipinas, maliit ang sahod. May age limit sa pag pasok sa trabaho. Ang dami walang work at konti ang job requirement. Kaya ang siste, abroad ang takbo ng mamayan Pilipino. Buti kung lahat ng nag aabroad maganda ang trabaho. Buti kung lahat sa opisina, buti kung lahat malaki ang sahod, buti kung lahat mabait ang amo. Pero pano na kung kabaliktaran? Paano na? Hirap talaga.

Kung OFW ka at gusto mo ng makauwi agad at naghahahanap ng extrang kita para maka ipon agad or simpleng nag hahanap ka lang ng exta income, I hope this blog can help you.
Meron lang naman ilang ways para kumita ng extra; ito ay through investments, online or digital at talent based incomes. Ano ano sila?

Investments - Eto yung pag bili ng mga assets na na tumataas ang value overtime gaya ng stocks, mutual bonds, real estate, golds or business. Pag bumili ka ng mga ito, habang tumatagal tumaas ang value. Gaya ng pagpasok sa stock market, pwede natin sabihin na every year tumataas ng 8 to 10 percent ang halaga nito. If my calculation are correct, sa tulong ng yearly price increase at compound interest sa loob ng 15 years na nag invest ka ng 2000 pesos, maari itong maging 1 Million whereas kung tinago mo lamang ito ay aabot lamang ito ng 360 thousand. Imagine the power of compounding interest at yearly price increase.
Sa lupa naman ganun din, naaalala ko ung isang house and lot na nabili nung 1989 na may value na 150 thousand pesos pero after 25 years dahil naging commercial na yung lugar sa tulong mga malls na tinatayo ang naging value nito ay almost 1.5Million na.
This are just some examples of investments na pwede kang matulungan para kumita kahit nasa abroad ka pa. Make investment on thing na tumataas ang value at hindi bumababa gaya ng gadgets.

Online and Digital - Halos lahat ngayon may facebook account bakit natin hindi gamitin ito para kumita. Paano? You can buy and sell items sa internet. You can create online stores sa shopee, lazada, amazon, ebay at kung ano ano pang platform na libre naman. Ang maganda wala kang physical store na binabayaran ng upa at kahit nasaaan ka pwede mong patakbuhin ang online store mo. Kung ayaw mo naman mag tayo ng sarili mong online store pwede mo namang  i post sa facebook, twitter at instagram and mga paninda mo. Kung ayaw mo naman magtinda, pwede ka naman mag apply na affiliate partner sa amazon, souq.com etc. Eto yung i share mo sa facebook mo yung mga link ng store nila at pag may bumili galing sa link mo may certain commission ka.
Isa pang pwede mong gawin ngayon ay ang pag invest sa mga digital currency gaya ng bitcoin na ngayon ay may value ng 6800USD. Imagine 10 years ago walang pumapansin sa mga digital currency na ito samantalang ngayon ito na ang ginagamit kaya tumataas ang value.

Talent based - Sabi nga ng tatay ko hanapin mo yung trabaho na gusto dahil pag nakita mo ito para ka na lang nag lalaro. Ganun din sa pag sideline, may mga galing tayo na pwede pag kakakitaan. Halimbawa, we can teach how to play instruments, mag bake, mag cook, mag sulat, mag blog at kung ano ano pa na pwede nating ituro. We can advertise via facebook or pwedeng via word of mouth. Ang tawag dito ay coaching. You can search sa google at magugulat ka na napak daming business about coaching.. alam mo ba na pati panliligaw at pag evangelize ay meron ng mga personal coach. Kaya kung may talent ka na gusto mo i share, ngayon pwede mo na din itong pag ka kitaan.

These are just some highlights kung paano ka kikita while you are an OFW. If you have some questions kindly shoot me an email at danyael21@gmail.com and I will be glad to help.
God bless

TRAPIK NG BUHAY

Naranasan mo na bang ma trapik? 
Kung ikaw ay nakatira sa Metro Manila sigurado ako na trapik ka na. Ang hirap ng trapik, pag may pupuntahan ka kailangan mong umalis ng maaga para makarating ka ng maaga sa pupuntahan mo. Andyan yung wala ka pa sa pupuntahan mo pero ramdam mo na yung pagod kahit na aircon bus or FX pa yung nasakyan mo. Kaya maraming naiinis pag trapik, pano ba naman nalilimitahan ang pwede mong gawin dahil nauubos na ang oras mo sa byahe. Siguro kung merong masaya pag trapik ito yung mga oil companies kasi mas maraming gasolina o diesel ang nakukunsumo ng sasakyan pag trapik. Hay naku nakaka inis talaga.
Maraming dahilan bakit ma trapik, pwedeng may nasiraan, may road repairs, may aksidente, rush hour, or sadyang masikip na talaga ang kalsada at napakarami ng sasakyan. Dumadami ang mamamayang Pilipino at sa pag dami nito dumadami din ang panganga ilangan ng sasakyan. Sa nakalipas ng sampung taon, halos na doble ang bilang ng sasakyan subalit hindi naman lumaki ang kalsadang dinadaanan.
Pag may trapik bumabagal ang pag asenso ng isang bayan dahil nga sa oras na nauubos sa kalsada palang. Naalala ko tuloy nung minsang nag byahe kami papuntang Bulacan, nung papunta kami kay aga aga trapik agad yun pala may ginagawang kalsada  buti nalang at hindi kami na late sa pupuntahan namin kaya nung pauwi na sabi ko maghanap kami ng ibang dadaanan dahil sigurado pag yung way ulit na yun ang dinaanan namin sigurado gabi na kami makaka uwi.
Sa aming pag hahanap may nasuutan kaming mga iskinita at napadaan kami sa mga palayan, babuyan at manukan..medyo nakakatakot lang kasi kokonti ang dumadaan pero sa awa ng Diyos tuloy tuloy naman ang byahe at nagulat nalang kami kasi short cut pala ung kalsadang yon. Biro mo for years dumadaan kami sa kalsadang yuon na akala namin ay pinaka mainam yun pala meron pang ibang kalsada na mas madali. We save around 40 minutes of travel time dahil sa short cut na ito at hindi naman ito matutuklasan kung hindi nagkaruon ng matinding trapik nung umaga!
Mga kapatid, minsan ang buhay natin ay ganyan. Akala natin problema nalang lagi ang buhay natin. Akala natin lagi nalang hirap pero minsan pala yung problemang yun ang nagbibigay sa atin na panibagong daan sa buhay. Parang kami, hindi na kami sana maghahanap ng ibang daan pero dahil sa trapik natuto kaming maghanap ng ibang alternatibong daanan. Ganun din ang problema ng buhay, sometimes it teaches us something na hindi natin natutunan pag magaan ang  buhay kasi nasanay na tayo na palaging ganuon nalang. Pero the moment na humirap pa lalo ang buhay instict na ata talaga ang mag hanap ng paraan na mas madali. 
Kapatid nabibigatan ka na ba sa pinag dadaanan mo ngayon? PRAY! Ask God; Lord meron po bang short cut ito? Ano po ba yung tinuturo mo? Malay mo kapatid blessings na pala na yung naghihintay sa iyo. Kayat kapit lang, may blessing na nag iintay sa trapik ng buhay.
Naalala ko yung isang nanay na nagkaruon ng malubhang sakit ang kanyang anak. Ang sabi ng doktor ang makaka gamot lang daw sa anak nya ay pagkain ng mga organic foods at unprocessed foods. Nung una problema ang tingin ng nanay sa nangyari kasi ang hirap mag hanap ng mga organic foods. Kaya ang ginawa nya nagtanim siya ng mga gulay at prutas sa kanilang bakuran. Tapos gulay at fruits lang pinapa kain nya sa anak nya. Ok na sana kaso dumating ung time na nagsawa yung bata sa prutas at gulay lang at na mi mis nito ang mga pagkain gaya ng hamburgers, tocino, hotdog at iba pang junk food. Ang ginawa ng nanay, gumawa siya ng mga pagkaing ito using vegetables. Halimbawa, hamburgers using mushroom and potato, french fries using organic potato. Nag alaga din siya ng manok at organic din ang kinakain nito kaya naka kain na ulit ang anak nya ng chicken joy. Dahil hindi sumuko si nanay, naging malusog at tuluyang gumaling ang kanyang anak. Eto ang nakaka tuwa, dahil sa mga organic foods nya nagkaruon sila ng restaurant serving organic foods na tinangkilik naman ng masa dahil masustansya na masarap pa.
It goes to say that sometimes problems are only blessings in disguise. Ikaw kapatid, may problems ka ba? Ask God malay mo blessings pala yan. God bless 

STEPS TO FINANCIAL BREAKTHROUGH PART 4

In this last chapter of our series steps to financial breakthrough we will discuss stories of person’s who never gave up on their dreams and became millionaires. One trait of a future millionaire is that he or she possesses a giving heart or generosity. Opo, tama po yung sinasabi sa Bible na sinasabi “Give, and it will be given back to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you." Once kasi na tumulong ka, God will find a way to give back your goodness. Sabi nga ng matatanda, pag may tinanim may aanihin. Tandaan po natin na mas pinag papala ang mga mapag bigay. Below are some stories of Philippine Millionaires who went from rags to riches and now giving back their wealth to the good of humanity.

TONY TAN CAKTIONG
You know, being the son of a cook for a Buddhist temple can be a good jumping board for success. Tony was born in 1960 to a working-class family from Fujian, China. His family migrated to the Philippines after WWII. His father cooked for a Buddhist temple to feed the family and living on a tight budget was able to open a Chinese restaurant in Davao. As a young child, Tony became a busboy in the family business – cleaning tables, serving customers and washing the dishes.With his father’s perseverance, Tony earned a BS Chemical Engineering degree at UST (University of Sto. Tomas). Following the path of his father, Tony ventured into business buying ice cream parlor franchises, the once famous Magnolia Ice Cream House. He borrowed seed money from his family’s pooled savings. Finding out his customers longed to fill their stomachs before indulging in his cold treats, he offered burgers and chicken in his store. Soon enough, burgers outsold the ice cream products. As a result, Tony and his siblings decided to convert the now 6 ice cream parlors into burger restaurants. And named it Jollibee. Today, Tony is one of the richest in the country, and a certified billionaire with net worth of $1.25 Bn.
Now Jollibee is not only a worldwide brand but a foundation that gives scholarship to worthy indigenous students, also assists poor farmers and gave feeding programs.

JOHN GOCONGWEI
John Gokongwei was born in Fujian Province, China. His family migrated and thru business became well-off in Cebu, Philippines. However, John’s father died when he was 13 and with it their affluence. To support his mother and siblings, John peddled along the streets of Cebu and wet markets in various towns, selling soaps – anything and everything that can be carried on his bicycle. In effect, he became a market vendor, the youngest of his kind.
For bigger profit, he traded in Manila at the age of 17 transporting items by sea. Riding a small, sail-powered outrigger called a batel, the young Gokongwei braved the high seas. On one such trip, he had a brush with death as the batel hit a rock and capsized. Good thing he and fellow passengers were saved by clinging on to the rubber tires that he intended to sell. Soon Gokongwei ventured into business setting up his first company Amasia. He imported everything he can get from the U.S. (e.g., textile, newspapers, magazines, used clothing, cigarettes, whisky) and sold them in the country. With his good name established, he was able to secure a PhP 500,000 loan from China Bank to start a manufacturing business, putting up a corn milling plant and naming it Universal Robina. The rest is history. Today, John Gokongwei is one of the few billionaires in the country with estimated wealth of $4.2 Bn (2012).
Now John Gocongwei started giving back by opening GOKONGWEI BROTHERS FOUNDATION (GBF) Built on the conviction that education is one of the keys to a better future for the country, the Gokongwei Brothers Foundation (GBF) was set up in 1992 to help uplift the socio-economic condition of the Filipinos through the funding of educational projects.

LUCIO TAN
For a man that doesn’t smoke, it’s hard to believe Lucio Tan owns the biggest cigarette manufacturing company in the country, Fortune Tobacco.
Born also in Fujian Province, China on July 17, 1934 Mr. Tan had modest beginning. As a child he had to work in Bataan Tobacco Factory to help the family.
He was able to push himself to elementary and high school. Via a work-study program he earned some units at the University of the East for Chemical Engineering. Although unable to finish college, he saw the big opportunity and put up his own cigarette company in 1966 starting with just 2 cigarette-making machines. Eventually, he was able to introduce such budget brands as “Hope”.
He never looked back and through his sharp business acumen was able to salvage dying businesses and grow them to dynamic structures. Examples include Philippine Airlines and Tanduay Distillers. Today 80% of the cigarette market in the Philippines is captured by his company and PAL is the leading carrier in the airline industry.
Fast forward Lucio Tan founded The Tan Yan Kee Foundation, Inc.  the corporate social responsibility arm of the Lucio Tan Group of Companies. For close to thirty years, TYKFI has been approaching corporate social responsibility from a holistic commitment framework targeting education, culture and sports; health and social welfare including environmental concerns; research; and manpower development.

HENRY SY
And now for the biggest of them all. His is the story of how one sari-sari store vendor became the “shopping mall king” of Asia.
Born on Christmas Day, 1923 in Xiamen, China, Henry Sy was introduced to retail early despite the poverty. In his early teens, the entire family moved to the Philippines and his father opened up a small variety store in Manila. Life was hard and with nowhere to sleep, the young Sy had to sleep inside the store clearing up the counters to do so.
WWII, however, destroyed that store to the sorrow of his father. Instead of giving up, Henry Sy pushed through earning income via buying and selling shoes from enterprising American G.I.s. The little success of his shoe-selling business inspired him to open up a small shoe store in Quiapo, Manila in 1958. He named it Shoe Mart.
By 1972, Henry Sy had transformed his small shoe store into his first standalone department store. Today, Mr. Sy is the richest business magnate in the Philippines, worth over $11.9 billion (2014) with a handful of his malls gracing the Top 25 biggest malls of the world.
Henry Sy founded The SM Foundation committed to serve by supporting and empowering host communities through education, healthcare, shelter, disaster response, farmers’ training, environmental programs and care for persons with special needs.

To be wealthy means to be a channel of blessing as true fulfillment in life lies when you give back to humanity.  “The one who blesses others is abundantly blessed; those who help others are helped.” Pag tumulong ka, ikaw ang unang pinapagpala as there are blessings that we received only when we give. Sabi nga sa spiderman “Comes great power, comes great responsibility”
I hope this blog helps and inspires you to be wealthy and be a blessing. Start now, Act now, Help now. Give now. God bless

STEPS TO FINANCIAL BREAKTHROUGH PART 3

Today we will study how to create wealth. Hindi lang sapat na may income tayo, dapat alam natin paano palaguin ito. Kadalasan kasi, alam lang nating kumita, pero ang hindi natin alam ay kung paano natin ito mapaparami.
a)      WE SHOULD HAVE A RICH MINDSET – Gaya ng napag aralan natin kanina, dapat mag simula sa isip natin ang pag yaman. We should remove that poor mindset and change it to a blessed mindset. Pinagpala ka kapatid. Bakit? Buhay ka pa. Marami ka pang magagawa sa buhay mo but first you should change your mindset. Paano ba malaman kung may poor mindset? Ganito yan, subukan mong magtanong sa mga kakilala mo ano pangarap nila. While some would dream big, some will just say “Gusto ko lang may maliit na bahay, konting ipon, maliit na sasakyan, lahat maliit!  Yung ibang magulang naman sasabihin sa anak, “mag aral kang mabuti para magkaruon ka ng magandang trabaho.” Kaya ang mga bata yun na din ang nagiging mindset. Let’s stop making small dreams. Let’s dream big! Let’s change our mindset to a blessed mindset. Let’s be a blessing to others. Kaya naman kung mababago ang ating mind setting. Having a rich mindset is our first step in creating wealth.
b)      HAVING A GOAL – Next step in creating wealth is to have a goal. Naka set na sa isip mo na gusto mo yumanan at maging pagpapala. Ngayon naman dapat may specific goal ka. Hindi kasi basta pwedeng sabihin na basta gusto mo yumaman lang or sabihin mo gusto mo maging milyonaryo. Dapat may goal ka. May specific amount ka na gusto ma achieved in a certain point of time. Halimbawa gusto mo maging milyonaryo. Ask yourself muna magkano para sayo ang kailangan para maging isang milyonaryo. Halimbawa gusto mo magkaruon ng 10 million pesos. Ang next question naman is kung hanggang kailan mo gusto ma reach itong 10 million pesos. Most of us will say we want to be a millionaire agad pero sad to say the only way we could achieved it is kung manalo ka sa lotto or kung mahukay mo ang Yamashita treasure in which napaka baba ng chances. Pag may goal ka, it has to be measurable. Malinaw na malinaw sayo ang lahat. Nakikita mo, nahahawakan mo na. Hindi po day dreaming ito kasi you are going to do something to achieve it. Pag  day dreaming lang, naka tulala ka lang at walang ginagawa.
c)      CREATE PASSIVE INCOME – Most of us get used of trading or time  for money. When we work, do business or do direct selling lahat yan pinapag palit natin ang oras natin sa pera. Ang tawag diyan ay active income or trading our time for money. Hindi naman ito masama, kaso ang problema lang paano kung magkasakit ka? Or di mo na kaya mag work, mawawalan ka na ng income. Paano na yung financial breakthrough na inaasam mo? Kaya’t while working or doing business create passive income streams. Ano ang passive income? Ito naman yung nga income na kahit natutulog ka pwede ka kumita. Meron ba nito? Meron po.  Napakaraming passive income na pwedeng simulan. Merong malaking capital meron naming maliit. Halimbawa nito ay yung pagtatayo ng coffee dispenser vendo. Kada may gusto mag kape, maghuhulog lang sila ng 5 pesos at presto may kape na sila. Take note, hindi ka nagtimpla, walang tindera. At kahit dis oras ng gabi kumita ka. Passive income din ang pagkakaruon ng apartment. Biro mo may regular kang kita buwan buwan na nagmumula sa renta ng iyong mga boarders. Marami pang ibang passive income na pwedeng simulan ng isang ordinaryong Pinoy na pwedeng magbigay sa kanya ng unlimited income kahit tulog. Maganda din sa isang OFW ang magkaruon ng mga ganitong income dahil di masyado kailangan ng man power at kahit nasa abroad pa sila ay pwede na nila itong simulan.
d)      GET INVESTMENTS – Isang way ng pag create ng wealth is to do investments. Ano ano ba ang pwedeng maging investment? Basically ang investment of assets ay ano mang bagay na pwedeng mag bigay ng income sa iyo. Realty or house and lot ay pwedeng maging asset kung every month nagbibigay ito ng income sa iyo kung ito ay pina pa upahan at may nagbabayad sa iyo ng renta buwan buwan.  Other example of investments are mutual bonds, government bonds, insurance, stock, digital currency like bitcoin at kahit gold ay pwedeng maging investment dahil habang tumatagal tumataas ang value nito.  Other way of making wealth is through investments of acquiring assets.
e)      PAY YOUR SELF FIRST – Ito naman ay isang paraan paano mo protektahan ang sarili mo, minsan kasi pag may income tayo ang nangyarari inuubos natin ito lahat pambayad ng bills at mga loans at wala ng natitira para sa investment at savings. Ayon kay Robert Kiyosaki, pag natanggap mo na ang income mo whether sahod ito or isang buwan na profit from business dapat mong I apply ang rule na  10-10-10-70. Ano yan? Ang unang 10% ay tithes, kagaya ng napag aralan natin sa chapter1, we should give our tithes to God. Next 10% goes to investing like buying stocks or mutual fund. Anything na tutubo. Next 10% goes to savings, para kahit ano mangyari may madudukot ka in times of emergency at yung last 70% ay pambayad sa bills at iyong operating expenses. In this way, every month may naitatabi kang pang invest at pang savings. You will be amaze how much you would save and invest in a yearn pag ginawa mo ito at pag nakita mo that you are growing money by saving and investing, gaganahan ka at lalong mag sisikap. Money can be a great motivator also.
f)       STOCKS versus BANKS – Isang bagay na hindi tinuturo sa atin sa school ay ang financial literacy. Although tinuturuan tayo ng ating mga magulang na mag impok sa bangko para may madudukot pag nanga ilangan. Sabi nga ng matatanda, pag may sinuksok may madudukot. Ang hindi natin alam ay magkano lamang ang tinutubo ng ating pera sa banko. Ayon sa www.imoney.ph; pinaka mataas mag patubo ang BDO sa interes na 1.25% per annum kaya’t kung ikaw ay may 30,000php, may tubo kang 375php sa isang taon. Pero kung mag withdraw ka na, subject to tax pa ang kinita mong 375php from bank interest kaya’t mas liliit pa ito. Isa pang nagpapababa ng halaga ng pera ay yung inflation or yung patuloy na pag taas ng bilihin. Halimbawa may 30,000php ka sa bangko; ang average inflation rate is 2.7% to 3% per year. Let say 3%, ibig sabihin ang value ng 30,000php mo next year ay 29,100php nalang dahil sa inflation. Kaya’t kumita ka man ng 1.25% per annum, kulang pa din. So ano ang option natin? I would suggest you to invest your money sa stock market or mutual fund. Kasi sa stock market, ang conservative annual average interest is 7% to 10%. Halimbawa, meron kang extra na 2000Php in every month, if you would invest it in the stock market in 20years meron kang mahigit 1 million pesos. Kung nasa banko lang ang pera mo, it would be almost 500 thousand lang in 20 years. Makikita mo na same money value, same number of years pero mag kaiba ang return. Kasi magkaiba ang interest rate. Ikaw san mas pipiliin mo itago ang pera mo? Kahit nasa abroad ka ngayon pwede mo na din ito simulan at pwede mo din ma monitor ang status at growth ng investment mo via internet. If you want more details, send me an email at danyael217@hotmail.com para ma assist kita in your road to millions.
g)      GOOD DEBT versus BAD DEBT – Sa start ng book na ito, if you would notice I always point to utang as bad debt. According kay Robert Kiyosaki, ang author ng bestselling book Rich dad, poor dad meron daw tinatawag na good debt and bad debt. Ano yun? The simplest definition is that bad debt simply takes out money from your pocket as good debt brings money in.
Alam mo ba na ginagawa ito ng mga mayayamang negosyante? Opo, umuutang sila sa bangko tapos ginagamit nila ito bilang puhunan sa negosyo kaya minsan nakapag patayo sila ng business without a capital kasi they use someone else’s money. At yung binabayad nila for amortization is also taken from the business itself. What happen is that after they paid their good debt, yung full profit ng business will go to their pockets. So next time you take a loan or use your credit card. Ask yourself, is this a good debt or bad debt.
h)      DISCOUNTS, REBATES AND POINTS – Another way to create wealth is through discounts, rebates and points. Alam mo ba ang mayayaman, the first thing they would ask if they will eat on a restaurant is kung anong credit card ba ang may discount. Hindi sila nahihiyang magtanong kasi discounts cost money also. Let’s say may 10% discount sila at ang bill nila ay umabot ng 1000php, automatically they save 100php. Tapos credit card pa ang ginamit nila pambayad. Alam mo ba na meron kang almost 50 days ka to pay your credit card without interest? Yes po pwede po yan. Kasi may cut off date cycle na 30days tapos meron ka pang 20days to pay bago mag due ito. Kaya kung marunong ka lang mag handle ng card, mabuti itong slave. But I warn you also, you have to have a strict self-control in using credit card kasi masama din itong master lalo na pag puro minimum payment nalang ang binanayad mo.
Like discounts, rebates can also save you cash kasi merong mga merchant that once you pay full on your bills, nag bibigay sila ng cash back. Sayang din yan. Money is still money kahit maliit lang. Last on my list is points, usong uso ngaun yang point system na yan for loyalty guest. It’s their way of capturing the customers’ para balik ng balik sa establishment nila and in return they will give points. Malaking bagay din ito kasi sabi ko nga this cost money also. These are just simple tips on how you can save and earn cash while you spend.

i)        DO NOT PROCRASTINATE – certainly if you want to get wealthy then you got to act now smartly. I’ve laid down almost all possible cards to help you in your financial journey to be wealthy which is proven and tested by millionaires and billionaires. For me the worst enemy of someone who wants to have a financial breakthrough is their self when they procrastinate. Yes it’s good to plan, but once planning is done you have to turn your plan into action otherwise walang mangyayari. " Ayan dapat tayong kumilos at wag matakot. Tandaan natin na ang umaayaw ay hindi nag wawagi at ang nagwawagi ay hindi umaayaw. Be like the ant na trabaho lang ng trabaho. Sabi sa Bible 14“Go to the ant, you sluggard; consider its ways and be wise!” Thomas Alba Edison the inventor of light bulb experienced 1093 failures before he managed to make a successful light bulb. When ask, he will just say, he found 1093 ways of not making a light bulb light but he fould one way to make it work. Yan ang persistence. O paano kilos na para yumanan na at wag susuko hanggat di natin na achieved ang ating goal.
Eto po muna for now...pano magkaruon ng financial breakthrough? create wealth......yan po ang step 3
By the way..mga summary lang po itong nasa blog...the full article is found on my e-book entitled.STEPS TO FINANCIAL BREAKTHROUGH...Kindly click the below link.
http://bit.ly/wcapiralfinancialbreakthrough
Please support po...God bless

MAY EMAIL KA BA?

Minsan akala natin wala ng pag asa.

Minsan akala natin di na tayo makaka ahon.

Minsan akala natin hindi na tayo gagaling.

Minsan akala natin hindi na natin kaya at susuko na tayo.

Minsan akala natin hindi na tayo makaka bayad.

Kasi minsan nakakalimutan natin na may Diyos na di nag papabaya sa atin.

Kapatid ano man ang pinag dadaanan mo lagi may pag asa kung sa Diyos aasa. Ang kailangan lang ay isuko natin sa kanya ang lahat lahat at magtiwala sa mga pangako nya. Tandaan natin na seryoso ang Diyos ng sinabi niyang hindi ka niya papabayaan at hindi ka niya iiwan, Kailangan lang nating magtiwala at laging umasa sa pag asang dala ng pag ibig nya. 

Kadalasan kasi akala natin na puro pangit nalang ang nangyayari sa buhay natin, pero ang hindi natin nakikita na sa likod pala nito ay may napaka gandang plano ang Diyos at maaaring hinahanda ka lamang niya sa isang bagong biyaya.

May isang kwento ng isang lalaki na pumasok bilang isang janitor. Nung mag fill up na siya ng Bio data nya at kailangang ilagay ang kanyang email address. Kaso dahil mahirap lang siya, hindi siya marunong mag computer kaya wala siyang email address. At dahil dito hindi siya natanggap sa pagiging janitor. Sa kanyang kalungkutan, siya ay nanalangin ng pwedeng niyang pag kakitaan. Sakto naman napadaan siya sa palengke at parang may nagbulong sa kanyang bumili ng kamatis. Ibinili nya lahat yung natitira nyang 200 pesos at nakabili siya ng limang kilong kamatis. Agad niyang ibinenta ito at sa kabutihan ng Diyos, naubos ang kamatis at naging 400 pesos ang kanyang pera. Dahil maaga pa, bumalik siya sa palengke at muling ibinili ang 400pesos nya ng kamatis. Muli na naman nyang naibenta ang lahat ng kamatis at ngaun ay meron na siyang 800pesos.

Araw araw ay ginawa nya ang pag buy and sell ng kamatis, dinagadagan nya na rin ito ng ibang gulay at pag lipas ng ilang buwan ay nagkaruon na siya ng vegetable store. Lumipas pa ang ilang taon, at lalong lumaki ang kanyang vegetable store, nakararuon na siya ng ilang branches at nagkaruon na din siya ng vegetarian restaurant na kung saan hindi lamang doble ang kanyang tubo.

Matuling lumipas ang taon at kailangan niyang magkaruon ng insurance para mapangalagaan ang kanyang mga ari arian, habang nag fill up siya ng contract may isang tanong duon ang pumukaw ng kanyang attention, ito ay ang email. Napatigil siya at napansin ito ng kanyang ahente. Kaya't sabi niya, wala siyang email. Nagulat ang ahente kaya't sabi ng ahente nya...sir, napakayaman nyo po tapos wala pa pala kayong email.., ano na ang mararating nyo kung may email kayo? Sumagot ang lalaki,,malamang kung may email ako...isa akong Janitor.

Kapatid, isa lang itong kwento na gaya ng lalaking ito maaring wala kang email...ang email na ito ay maaaring natapos, maaaring wala kang mga mayayamang kamag anak o kakilala o maaaring lubog ka sa utang at sa tingin mo ay wala ka ng pag asa...Kapatid..tandaan mo, sa Diyos laging may pag asa. Maaring dahil sa sitwasyon mong yan, naka linya ka pala sa isang pag papalang walang sukat kalagyan. God is not rejecting us, maybe he is just redirecting us for a greater purpose. Remember that God is the master of turning our problems into blessings. Kapit lang, God loves u. 

Tanong may email ka ba?

STEPS TO FINANCIAL BREAKTHROUGH PART 2

On the first part we discussed how to get out of debt, mahirap naman kasi magkaruon ng financial breakthrough pag may mga bayarin ka. Although may mga tao na ginagamit tungtungan ang kanilang utang or pag hihirap sa pag asenso. While others use debt as a way to get rich. We will discuss it further sa part 3. Today we will discuss the ways to bring in the cash flow.

a) WORKING – The most common way to bring in the cash flow is to work. Majority of people I know is included in this class. Advantage of working for a company is having a salary at the end of the month. Sabi nga mag trabaho ka lang, may pera ka na. Pag ginalingan mo pa, maari ka pang ma promote at lumaki ang sahod mo. Another advantage of working is minsan may other benefits pa ang company na binibigay gaya ng 13th month pay, bonus, incentive, etc. although it depends pa din sa company. Disadvantage naman of working is sometimes no work no pay. Pag di pumasok, walang sahod. Sabi nga bawal mag kasakit kasi walang income. Kasi sa mga working class, they trade their time for money kaya the moment they stop or pause sa pag ta trabaho, money also pauses or stop.

b) PROVIDE SERVICES - Another way of bring in cash flow is by providing services. Dito pumapasok yung mga professionals gaya ng doctor, lawyer, architect atbp. In this class, mas malaki ang chances yumaman kasi if your good at something ikaw ang hahanapin ng mga client mo. At pag magaling ka, pwede kang maningil ng mas malaki kasi proven and tested na ang serbisyong binibigay mo. Pag service provider ka dapat you always find new ways to upgrade your services and skills para mas ma satisfy ang mga clients mo. Learn new things ika nga. Don’t just stick to the tradional dahil laging may bago lalo na at IT related ang services na ini offer mo.
As a service provider mas mabilis ang pag kakaruon ng financial stability compare to the working class.

c) ENTREPRENEURSHIP – Para sa akin this is the best class na pwede mong pasukin if you want to attain financial freedom. Pag entrepreneur ka, you can dictate magkano gusto mong kitahin. Hawak mo ang oras mo at syempre ikaw ang boss. Yung nga lang marami ding risk ang isang negosyante. Dito kasi pwede kang malugi. There are two types of entrepreneur namely:

• Traditional entrepreneur – ito yun namumuhunan ng pera, oras, pagod at idea. Sila yung mga nag re rent ng lugar para magkaruon ng tindahan or opisina. Pag traditional entrepreneur ka dapat maganda yung product mo, fresh yung idea, magaling yung service or masarap ang luto mo para magkaruon ka ng maraming customer. 

• Online Entrepreneur – This is the need breed of businessmen. They take advantage of the technology. Sabi nga ni Bill Gates ang founder ng Microsoft; “If your business is not on the internet then your business will be out of business”

You can even be an online entrepreneur now by doing online marketing, affiliate marketing at online selling. Mag post ka lang mga items na gusto mo ibenta, maari ka ng kumita. Maraming pang ibang way para kumita sa internet you just have to search according sa niche na gusto mong pasukin. For me this is one of the best way to attain financial freedom. 

d) DIRECT SELLING – Another income stream to generate cash flow is through direct selling. Almost anything naman ngayon ay pwede mong ibenta. Pwedeng 2nd hand items, pwedeng ukay ukay, pwedeng brand new, pwede ding gumawa ka ng bagong item from raw material like bracelets or bling blings. Pwede ding mag luto or mag bake ka. Kung sa tingin mo ito ay masarap, pwede mo na itong ibenta. Pati yung mga bagay sa bahay nyo na di na ginagamit gaya ng mga lumang damit ay pwedeng ibenta. Pwede ka mag garage sale or just post this items sa social media at magugulat ka pwede itong maging pera. Turn those unwanted stuff into cash. Luminis na bahay nyo, kumita ka pa.

Eto po muna for now...pano magkaruon ng financial breakthrough? Bring in the cash flow......yan po ang step 2

By the way..mga summary lang po itong nasa blog...the full article is found on my e-book entitled.STEPS TO FINANCIAL BREAKTHROUGH...Kindly click the below link.

HOW TO HAVE A FINANCIAL BREAKTHROUGH

Please support po...God bless

HOW TO BE A SUCCESSFUL OFW

Marami sa ating mga Filipino ang gustong mag abroad at maging isang Overseas Filipino Worker. Reasons such as, kasi sa abroad kahit may edad ka na pwede ka pa mag work. Mas maraming opportunities at higit sa lahat mas malaki ang kita. Sabi nga dollar ang sahod mo. Pero nakaparami ring sakripisyo ng pagiging isang OFW. Isa rito ang matinding kalungkutan or homesickness. Minsan namamaltrato pa ang ating mga kababayan. Mahirap din magkasakit kasi mag isa ka lang although minsan meron ka naman health insurance. Minsan, nag sisiksikan sa isang maliit na kwarto dahil napaka mahal ng upa ng tirahan. Eto yung tinatawag na bedspace. Na dati sa bahay mo sa Pinas, hindi ka sanay matulog na may ibang tao sa silid mo samantalang pag OFW ka, kurtina lang ang pagitan mo sa tulugan at kasama mo sa room ang mga taong hindi mo naman kilala. At pag gabi..chorus pa mag hilikan..hehehe
Pero hindi yan ang pag usapan natin today, ang pag uusapan ay how to become a successful OFW.

1. YOU MUST HAVE A PURPOSE - Una sa lahat dapat alam mo bakit gusto mo maging OFW. Gusto mong makatulong sa family, or gusto mo maka pundar ng property or business, or gusto mo mabigyan ng magandang kinabukasan ang mga anak mo. Or simply wala kang choice dahil kailangan mo ng malaking income to sustain your family. When you reach abroad and working, keep your purpose in mind all the time. Kaya ka andyan is for that purpose. Yan ang ang goal mo and do not deviate from it. Kung may pamilya ka sa Pinas, wag kang mag simula na naman ng bagong pamilya sa abroad. Believe me it would complicate your life. So una, dapat para maging successful, focus sa goal mo. Isipin mo ang dahilan bakit ka andyan.

2. SEEK GOD'S GUIDANCE - Sabi sa Bible, "Trust in the Lord with all your heart and lean not on your own understanding, acknowledge Him and He will make your path straight" - Dapat before anything else, seek God's guidance. Kasi hindi natin magagawa ng successful ang isang bagay labas sa kapangyarihan ng Diyos. Now if you are already abroad, I suggest that you look for a Christian church and be a part of a ministry. Being in a community of Christ believers, strenghten you to overcome most of problems and temptations kasi nagiging sila na muna yung family mo while working outside of the country. Nagpapalakasan kayo as you study the Word of God. Sama sama din kayong nag worship at nag pray. But let God be the center of your life not anyone else.

3. WORK FOR THE LORD - Sabi ng Colossians 3:23 "Whatever you do, work at it with all your heart, as working for the Lord, not for human masters," When you are performing your job, be the best that you can be. Kasi dapat pag nag ta trabaho tayo, we should always think of our work as a blessing from God and He is our boss. So everytime you perform your job, be joyful, be thankful, be persistent, and be glad kasi you are working for God. Kaya always give your best. Be also a good worker and residence of that country, obey their law at wag maging pasaway.

4. SAVE AND INVEST - Pag nasa abroad madaling bilin ang ibat ibang gadget, marami ring sale, madaling kumain sa mga fastfood at kahit fine dine restaurant, madaling bumili ng mga signature brands of clothes and apparel, KAYA KAPATID, DAPAT MAY SELF CONTROL SA PAG GASTOS. Always think of your purpose bakit ka andyan. wag bili ng bili. Wag maging impulse buyer kasi pag bigla ka nawalan ng work, lahat ng naipundar mo baka maibenta mo lang ng palugi. If I may suggest, follow the rule of 10/10/10/70 of your income where as 10 percent goes to tithes (para kay Lord yan), 10 percent goes to savings for emergency, 10 percent goes to investment (anything that would bring in money like stocks, bonds or business. Have another income stream) and lastly yung 70 percent goes to remittance and your daily living expense.

5. PREPARE FOR THE RAINY DAYS - Minsan kasi we forget that pwede tayong mawalan ng work anytime or yung iba nakaka limutan na uuwi sila. Ang masaklap minsan natapos ang contract walang naipon. Suggestion ko, dun sa 10 and 10 percent of your income na nabanggit sa taas be strict to follow it kasi yun yung ticket mo pag uuwi ka or pag nawalan ka ng work. Maganda kung may savings ka at may naipundar kang business para pag uwi mo. Atleast hindi ka mag sisimula sa wala.

Ok, Thats all for today. I hope and pray nakatulong po ito. I will try to release an e-book on this subject para mas complete. And please subcribed po para ma update kayo sa aking mga bagong blog.
God bless

STEPS TO FINANCIAL BREAKTHROUGH PART 1

In these series we will discuss paano ba magkaruon ng financial breakthrough. Paano yumaman....Pero actually ang totoong mayaman ay yung mga taong kumikita kahit tulog...Marami kasi sa atin malaki lang ang sahod, or malaki ang income pero the moment they stop working or iba na ang nag ma manage ng negosyo nila na hindi na kasing galing nila...nawawala na yung malaking income..ayun lahat ng naipundar nila..nabebenta na nila at naghihirap na.,...bakit? Kasi they are only trading their time for money...so the moment they don't work....nawawala na yung income....Real financial breakthrough is letting your money work for you...Opo...pwede po yun....ang tawag dun ay passive income...kumikita kahit tulog...at yun po ang pag uusapan natin sa series na ito...

This series has 4 parts...Eto po muna yung part 1.

Part 1 - GETTING OUT OF BAD DEBT

The first part is getting out of debt..Eliminate the bad debts....Bad debts are basically debts that brings out money...yun bang nangutang ka to buy gadgets, bahay at lupa, kotse...etc..basta nangutang ka tapos binabayaran mo din buwan buwan na wala namang pumasok na income sa mga bagay na binili mo bad debt ang tawag dyan...ang tanong pano ka lalabas dyan? Madali lang....Let's ask God na tulungan tayo..so 1st step...praying and accepting Jesus Christ as our Lord and Savior. yan po ang una...dahil once you accept Him sabi nya sa Bible.."I will never leave you nor forsake you" kasi "He is the Way, the Truth and the Life" The real abundance in life begins by accepting Jesus kasi He will guide us on our journey in life...kung handa ka let's pray "Heavenly Father thank you for the gift of  eternal life, Father forgive me in all my sin as I forgive those sinned against me. Lord Jesus I open my heart and life to you, please come into my life and take control and be my Lord and Saviour...Amen!"

If you whole heartedly pray these prayer...true riches and abundance flows to your life already...kasi if you have Jesus in your life..pinagpala ka na...

Now..when you accepted Jesus, 2nd step is...you have to read the BIBLE...yes po...para makalaya sa utang..gabay ni Kristo ang kailangan....reading the BIBLE guides you in everything you do...kaya if you want to get out of bad debt...Let's ask guidance by reading the Word of God...

3rd step is to write down all your bad debts..dapat alam mo ano ano at magkano ang utang mo...kung may mga loans at credit card mas maganda alam mo pati magkano ang interes..Kailangan malaman mo asan ka sa financials mo or alam mo status mo...kahit sobrang laki ng utang..dapat alam mo kasi di ka makaka usad pag di mo alam san ka mag sisimula.

Lastly how to get out of debt...kailangan give back your tithes...tama po...give the 10 percent of your income to God...kasi pag di mo inalis yang 10% na yan...may sumpa ang income mo....pati yung 90% mo di mo magagamit ng maayos...so lastly..give back the tithes to God...

Eto po muna for now...pano magkaruon ng financial breakthrough? Get out of debt......yan po ang step 1

By the way..mga summary lang po itong nasa blog...the full article is found on my e-book entitled.STEPS TO FINANCIAL BREAKTHROUGH...Kindly click the below link.
STEPS TO FINANCIAL BREAKTHROUGH
Please support po...God bless

  

HOW TO HANDLE LIFE'S CHALLENGES

Araw araw laging may pagsubok, araw may struggle, araw may challenges. Wala sigurong exempted dyan. Bata, matanda, estudyante, empleyado, negosyante, single, may asawa, pati byudo o byuda..meron at merong challenge na pinag dadaanan....mas lalo na kung ikaw ay Kristyano...lagi may pagsubok...ang tanong lang naman e kung pano mo i handle ang pagsubok na yan...at yan ang pag aaralan natin ngaun...How to handle lifes challenges...

1. BE YOURSELF - In handling challenges, una sa lahat dapat alam mo kung sino ka..at wag na wag ka mag kukunwari...sabi nga nung commercial..magpaka totoo ka....mahirap kasing harapin ang isang bagay na di mo alam sino ka...parang gusto mo pumunta sa isang lugar na di mo alam asan ka...before you set a goal, before you set yourself on a journey, before you can succesfully handle a challenge you should know first who are you..kasi pag alam mo sino ka, kahit ano kaya mong gawin, higit sa lahat dapat alam mo kanino ka nakakapit...mas madali mo ma overcome ang lahat ng challenge sa buhay...Lalo na kung kay Kristo ka nakakapit...sigurado panalo ka ano mang pagsubok ang lumapit....

2. READ THE BIBLE -  “It is written: ‘Man shall not live on bread alone, but on every word that comes from the mouth of God.’” Kung kumakain ang ating pisikal na katawan, mas lalong dapat na pinapakain din natin ang ating spiritual na katawan. Take note that what ever we feed ourselves becomes a part of us...Ngaun kung puro telenobela, hugot, at wordly things..guess what will happen to you pag may pagsubok ka? Let's imagine may problema ka; sabi ng mundo...maglasing, mag happy happy, mag good time..oo sa ilang oras nakalimutan mo pero pagkatapos ng saya...balik ka sa problema...samantalang sabi sa Bible....Cast all your cares upon Him because He cares for you...O di ba ang sarap...dumaan man ang araw araw mo..alam mo may kasama ka...alam mong kakapitan ba...alam mo na hindi ka nya iiwan at papabayaan man...at ang maganda sa nagtitiwala kay Kristo..kahit nasaan ka..kaya ka niyang abutin...."Balon mang malalim ang kinalalagyan mo; Kaya kang sagipin ni Kristo"

3. ASK GOD -  "Ask, and it shall be given you; seek, and ye shall find; knock, and it shall be opened unto you:" Pag may pinagdadaanan PRAY! Ask God by praying...sino pa ba tatakbuhan mo kundi si Kristo na  nanamatay para sayo....ang maganda kasi sa ating Diyos....He Answers us..at siyempre pag si Lord and sumagot sigurado ka na tama ang sagot...ang linaw ng sabi ng scripture...Humingi at ikaw ay pag bibigyan...humanap at iyong matatagpuan..kumatok at ikaw ay pag bubuksan...dahil sabi ni Lord.."I will never leave you nor forsake you" Kayat kung may challenges...Ask God in prayer...tuhurin mo na yang challenges at problems na yan...iluhod mo na kay Lord...

4. VICTORY IN JESUS - Eto ang maganda, kay Kristo tagumpay ka na....while it is spiritual but remember this; knowing you are victoriuos makes your outlook in life becomes positive and in turn makes you victoriuos in the physical world. Every action begins with thought. Iniisip muna ang isang kilos, sinasabi, action, plano...at ang isang pag iisip na tagumpay kay Kristo ay nakaka siguro ng isang tagumpay na kilos at desisyon...sabi nga pag inisip mong tagumpay ka dahil kay Kristo...kagalakan ang kasunod....kayat sa bawat kilos at gawa mo....makaka siguro kang tagumpay ka na dahil ang Diyos na kasama mo ay Diyos na nagwagi na,,,,Jesus overcomes the world already when He died and rose again...death cannot contain Him as He is LIFE itself...kaya't ang sabi nya...I have come to give us an abundant life! An abundant life in Christ. A victorious life in Christ!

5. ENTRUST EVERYTHING TO GOD - "Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to him,  and he will make your paths straight" Lastly; in handling life's challenges you should entrust everything to God...Magtiwala tayo sa Diyos...ang maganda kasi kay Lord..alam nya ang bukas...and surrendering everything to Him ensures us that He will direct our path to victory...Yes sometimes parang mali, or parang lalo lumala ang sitwasyon pero tandaan mo sa dulo panalo ka pa din dahil kay Kristo nasa puso mo...Trust God as He knows BEST.

In Summary; when handling life's challeges we should be "BRAVE" dapat matapang tayo kasi alam natin na ang kasama natin sa buhay ay ang Kristong buhay..ang Diyos na namatay at nabuhay para sa ating kaligtasan...dapat matapang tayo kasi ang kalaban ayaw tayo mag tagumpay..but God assures us of victory once Jesus is the center of our life as He will never leave us nor forsake us...Sabi nga nung commercial...FACE YOUR FEAR, LIVE YOUR DREAMS....WITH CHRIST BY YOUR SIDE...God bless

HOW TO CHOOSE CORRECTLY

Sa araw araw nating pamumuhay hindi pwede na hindi tayo mamimili or mag dedecide. Hindi pwede na para lang tayong sumasabay sa agos ng buhay. Hindi pwedeng bahala na. Most of the time we are compelled to make decisions whether small or big. Laging kailangang mag desisyon.

Kaso ang mahirap sa desisyon hindi mo alam kung magiging maayos lagi. Minsan kasi akala natin tama ung desisyon natin pero sa pag lipas ng mga araw malalaman natin na nagkamali tayo. Sabi nga "We can choose want we want but we cannot choose the consequenses" Sometimes wrong choice or decision can badly hurt us, physically, financially or materially kaya today we will learn how to choose correctly.

GLORIFY GOD - Sabi sa 1st Corinthians 10:31 "whether we eat or drink we do it for the Glory of God" it means that when we are making choices, we will ask ourselves first if this desicion will bring Glory to God. Tanungin natin ang sarili natin...mapupuri ba si Lord dito sa gagawin ko? Upon asking that question we can conclude kung tama ba or mali ang gagawin natin.

OBEYING GOD - "Blessed are those who hear the Word of God and Obeys it" - Luke 11:28: Pangalawang dapat natin i consider when we consider is that are we Obeying God's Word when we are doing choices and decision. Sabi nga "Nasusulat ba yan?" Almost all problems that we can encounter in this life are already written in the Bible. Maaring hindi parehong pareho but the principles in the Bible are timeless and we can use in making our daily decisions.

DIRECTING OTHERS TO GOD - Sabi ni Lord Jesus bago siya umakyat sa langit "make disciples of all nations" kaya another step in making a correct decision is that "will it direct others to Jesus?" Especially Christians, sabi nga we are ambassadors of Christ at dapat in everything we do it must direct others to Christ. Sabi nga even the smallest decision matters as people around us are constanly looks in every choices we make. 

LOVING GOD - In every choice we are making, in every thing that we do, it should show the love of God. We Christians should reflect God's love to others. Sabi nga this is how the people around should see us. Are we loving God? Are we loving the people around us? Are we loving our brethren? Pagmamahal ang dapat nakikita sa atin sapagkat ang Diyos na sinasamba natin ay Diyos ng pagmamahal. We should not only love the lovable people but ALL people. In this way, they would see the loving God that we serve and Worship.

YIELDING GOOD FRUIT - In every decision we make, we should make sure that we are going to yield good fruit. Christians are to yield good fruits. In other word, we should make choices and decisons that will eventually bear good outcome. Ika nga, para kay Christ ang lahat ng ginagawa natin at kung para kay Kristo ito..rest assured that it will bear good fruit..fruit that will last.

How can we make correct decision? Secret is that all choices and decision we make we should ask ourselves ...IS IT GODLY? Remember if we choose Godly decisions....hindi tayo magkakamali. sa Tagalog " pag gumawa ka nga tama; hindi ka magkakamali"

God bless   

WALA AKONG TIBAY NA MAAASAHAN SAYO...SALAMAT SPARTAN SANDALS

Naalala mo ba yung commercial na..sinasabi na “wala akong tibay na maasahan sa yo”? Salamat Spartan sandals….
Pag alam mo yan, alam mo din ang That’s Entertainment, Airwolf, Knight Rider, Blue Thunder at ang Bazooka Joe Magic circle club or ang Goya Fun factory…hehhehe..dekada 80 yan..
Pero teka wala dyan ang pag uusapan natin kundi sa tsinelas..ang layo no…
Bago pa man nagkaruon ng Havaianas, Ipanema at Islander andyan na ang Spartan..Mura na matibay pa..minsan ang mga ganitong  bagay ay di natin pinapansin kasi madaling mabili..kaya minsan nakakalimutan na natin ang halaga ng tsinelas. Subukan mo kayang mag lakad ng walang panyapak? Lalo na dito sa Dubai..naku ewan ko lang kung di ka umaray ng umaray…lalo na kung kakagaling mo lang sa foot spa..super linis at super nipis na ang talampakan mo, tapos mag lakad ka..baka kahit isang butil lang ng buhangin maramdaman mo na ang pag sayad sa talampakan mo..ang sakit ano..lalakad ka pa kaya ng kay layo layo..siguro mag mamaka awa ka para maka pag suot ka lang ng tsinelas..Yan ang tsinelas, it protects our sole sa mga dumi, roughness of the road, heat, at kung ano anong bagay na nasa dadaanan natin..parang wala lang kahit andyan kasi sanay na tayo andyan itopero subukan mong mawalan..sasabihin mo asan ka tsinelas ko…
Sa buhay ng tao marami tayong bagay na meron, meron tayong good health, mga kaibigan, kamag anak, meron tayong trabaho, meron tayong bahay na natutulugan at higit sa lahat meron tayong Diyos na masasandigan at matatawag sa oras ng kagipitan..ang tanong ko lang..do we acknowledge this things in our life? Nag papasalamat ba tayo at meron tayong work, meron tayong kapatid, kaibigan, natutulugan at Diyos? Or napapansin lang natin pag wala na sila? Sa ganang akin, let us thank God for these things that we have, may work ka, may kaibigan ka, may family at kung ano ano pa na meron ka..tumingin ka lang sa paligid mo at masasabi mo na Lord salamat meron pala ako nito…Lalong lalo na mag pasalamat ka kasi God is always there for you..”He will never leave you nor forsake you” kasi sabi nya yun..ang plans pa nga nya sa yo “is to prosper you and not to harm you”…ano pang hahanapin mo…kaya kapatid..sa oras na ito bilangin mo ang mga bagay mo na meron ka wag mong hanapin ang bagay na wala ka..at higit sa lahat pasalamatan mo si God sa bagay na ito..Biro mo you came into this world na hubad, pero sa sobrang love tayo ni God, He is really faithful and true kasi “He supplies all our needs”..
Kapatid, next time na mag lalakad ka, thank God sa tsinelas and thank Him also for loving you….

WORLD'S BEST DAD

Since malapit na ang Father's Day at marami ka na naman makikitang Tshirt or mga greeting card na nakasulat na "World's best Dad","Number 1 Dad", "Awesome Dad", "Best Father" at kung ano ano pang title to describe our father. Pero ano nga ba ang mga katangian ng isang mabuting ama.

If you would make a survey about this question, eto ang mga sagot...Best Dad daw ay: Mabait, good provider, leader, a friend, Godly, may takot sa Diyos, maunawain, etc. Today I will highlight some characters na meron dapat ang isang ama in the light of Bible passage.

He must be Godly - A Father should be God fearing and obedient to God's commandment..Una sa lahat dapat ang isang ama ay Maka Diyos. NO FATHER can lead a home without being led by GOD FIRST! Pag wala ang Diyos sa puso ng isang ama, kahit anong galing pa nya...sasablay at sasablay yan kasi ang tunay at tamang direction ay sa Diyos nagmumula. A father must lead his house hold to Jesus, dapat si tatay ang nag initiate ng mga bagay na tungkol sa Diyos like praying, going to church, studying the Word of God, giving etc. Bilang haligi ng tahanan, his first and foremost obligation is leading his family to God as God should come first lalong lalo na sa isang tahanan. Tandaan, "Ang tatay na may takot sa Diyos; kayang harapin ang lahat ng unos"

He must be a Good provider - Sa panahon ngayon na tumutulong ang asawang babae sa pag ta trabaho, but father's should not forget that it is their obligation to provide. Sabi sa Bibliya "man should work". I am not against house husband dahil meron talagang scenario na mas malaki ang kita ng nanay at si tatay ang nasa bahay but this should not exempt fathers to provide their family. Let say the mothers are the one working for their daily needs pero si tatay pa din dapat ang nag lead ng kanilang tahanan. Providing is not only finances, it can be providing direction, providing leadership, providing guidance, providing inspiration, providing love, providing a strong shoulder to lean on. Kaya nga malaki ang balikat ng tatay to provide support to his family emotionally, spiritually and financially. 

A good father should provide everything his household needs. Let us not forget that God gave us the ability to produce wealth at bawal sa isang tatay ang batugan dahil binigyan tayo ng Diyos ng abilidad kumita. Tandaan, "ang tatay na may takot sa Diyos, nag susumikap ng lubos"

He must be Loving - Ang tunay na tatay mapagmahal. Mahal niya ang Diyos at sa pagmamahal niya sa Diyos, mahal niyang lubos ang kanyang asawa at anak. A real father loves God and because of this, he will love his wife and children. Sabi nga sa Bible, a man and a woman becomes one in marriage because of love. At dahil action word ang love....this love should emulate in his living.Real loves provides, leads, cultivate, trust, respects, cares and often sacrifice. Sabi ng isang talata; A husband must loves his wife as Christ love the church. Pano ba nagmahal ang Panginoong Hesus sa Iglesia? Binigay nya ang kanyang buhay para maligtas ang Iglesia. Now a father should died to his old habits kasi pag may asawa na at pamilya na, his first and foremost obligation is leading and loving his family hindi na ang barkada niya.

Ang totoong pagmamahal ng isang ama ay galing sa Diyos at kung yan ay galing sa Diyos, dapat ang tatay ay tapat sa kanyang asawa at mga anak. A real loving father is pure to his heart, ika nga walang tinatago and should respect and honor his wife dahil ang amang mapagmahal, may takot sa Diyos na Banal" 

He must lead his household - Sabi sa Ephesians 5:22 "wives, follow the lead of your husband as you follow the Lord"..This verse says na ang tatay ang leader ng tahanan pero bakit nga ba ang nanay ang madalas nag dadala ng tahanan? I mean sila yung central part ng isang tahanan. I don't have any objections on this kasi moms takes a good role in coordinating household affairs but the Bible says that the Father should lead. Siguro dahil nuong una pa man ang tatay ang laging nasa labas at nag tatrabaho at ang nanay ang naiiwan sa bahay kaya ang responsibidad ay nasa kanya na pero it doesn't exempt the father to lead. Leading means not coordinating but leading by example. A Father should be with his wife in running their household, kaya nga isa sila e. It means a father should also do household chores, take turns in teaching the kids, budgeting the finances with his wife, planning for their future, being a friend to his kids and especially to his wife. Giving quality time to his wife and children is a must. Dapat alam din ni tatay ang lahat ng nangyayari sa kanyang tahanan. Kung si tatay ay walang tinatago kay nanay, dapat wala ding natatago sa kanya tungkol sa kanyang tahanan. Everything should be transparent as a good leader can only lead if he has a clear picture of the affairs of his household. Remember; a good father can lead correctly if He follows the Lord completely.

He must be strong - The father should be the last to give up. Let's accept the fact na mahirap talaga ang mabuhay. Trials, problems, sickness, troubles, uncertainty etc. are always present in this world. Walang perpektong formula sa buhay na ito dahil hindi natin alam ang bukas. Sabi nga laging may pagsubok, at isang katangian ng isang tatay ang katatagan. He should be strong in handling life's trials. A good father always looks at the bright side of life.He should learn from past mistakes. Always gives hope at strength sa tahanan niya kasi siya ang kakapitan ng kanyang asawa at mga anak sa mga mahihirap na sitwasyon ng buhay. He should protect his household emotionally, mentally at physically. Yes a father cries sometimes, he sometimes waver at bumibigay pero hindi ibig sabihin nun na susuko na siya..minsan pag sobrang hirap ng sitwasyon a father rest but it doesn't mean that he quits. Wala sa bokabularyo ng isang tunay na ama ang pagsuko dahil walang expiration ang pagiging tatay.

Tandaan; magiging matatag lamang ang ama kung sa Diyos naka angkla.

Remember: "Tagumpay ay lubos ng pamilyang nasa Diyos"

 

3 THINGS THAT GIVE LIFE A MEANING

Alam mo ba na hindi lahat ng taong nakikita mo or nakaka salamuha mo ay buhay..hindi lahat ng kakilala, kaibigan mo or maging kamag anak mo ay buhay...nakaka gulat ba? E ano sila? zombie? hehehe hindi po...para sa akin hindi  lahat ng tao ay nabubuhay yung iba...humihinga lang...sa wikang Ingles...Some people just exist but not living....teka...lalo bang magulo..bweno..ganito kasi yan...meron daw kasing tatlong bagay na nagbibigay ng meaning sa ating buhay...ano ano yan?

1. Something to do - Dapat daw may ginagawa ka...tama naman, ang hirap kaya ng magising sa umaga ng hindi mo alam ano gagawin mo sa mag hapon..oo tama naman na minsan relax relax din pag may time pero subukan mo na isang buwan na wala kang ginagawa....naku ang hirap nun...yun bang para kang walang silbi..gumigising ka lang sa umaga pero ang totoo wala ka naman ginagawa...meron dyan nag bibisi bisihan pero deep inside, wala naman pala talagang silbi ung ginagawa nya..alam mo yung mga taong ganyan sila ung sakitin at malungkutin kasi..they themselves don't know their life's meaning. Another thing is that our body is design to work...sabi sa Bible; six days you will labor and one day you will rest kaya the moment na wala ka ng ginagawa...PRAY..ask God for your life's purpose...san ka ba magaling, san ka ba masaya..ano ba yung bagay na pag yuon ang ginagawa mo talagang nakikita ung galing ng Diyos sa buhay mo...kahit nag pipirito ka lang itlog or naglalaba pero kung sa mga bagay na yan ay expert ka...God will be Glorified in your life and in return alam mo yung silbi mo...alam mo ang purpose mo...alam mo ang mission ng buhay mo...

2. Somebody to Love - Sabi nila it's love that makes the world go round...sa isang banda tama naman...remember your elementary or high school days nung may crush ka? yun bang pag nagkikita mo siya parang gusto mo lagi mag pasikat or magpa ganda para mapansin kalang...at pag napansin ka na niya..WOw..heaven ang feelings...I remember when I was a teen ager, mahilig akong mag Karate at isang gabi habang nakatambay kami ng mga friends ko, nag ka hamunan..sabi nila kung talaga daw nagka karate ako i karate chop ko daw ung hollow blocks...e ang siste andun ung crush ko...di ako maka urong kasi nanonood siya...hay naku buti sana kung yung hollow blocks ay tuyo kasi mas marupok un pag tuyong tuyo ang kaso kaka tapos lang ata ng ulan kaya medyo basa ung hollow blocks...gustong kong sabihing "time pers" at pass muna pero dahil andun yung crush ko...ayun atapang a-tao,,hehehe...kasubuan na...kaya makalipas ang ilang kumpas kumpas ng kamay...para bang sinusukat mo yung lakas mo pero ang sa totoo nagdadasal nako na sana mabasag un ng di ako kahiya hiya....moment of truth...isang malakas na yahhhhhhh...basag!!!!!!hati ang hollow blocks...syempre palakpakan...tapos posing na parang si jet lee..na parang walang nangyari...pero wag ka,,,gusto kong umiyak kasi ang sakkitttt.....hahaha..ilang araw kaya akong di lumabas at nag pagaling ng magang kamay....those were the days,,,anong punto ko...masarap mag mahal at mahalin...it gives you strength, determination at syempre inspiration to do things..Tignan mo ang ating Heavenly Father..sabi " For God so love the world that He gave His only Son that whosoever believeth on Him will not perish but will have an everlasting life" and that is the same love that our Lord Jesus died on the cross to redeem the world. He died for us..bakit kasi love nya tayo and He wants you and me to be on heaven someday.  

3. Something to look forward to - Lastly your dreams, aspirations, visions etc. gives meaning to your life yung bang isang araw nakikita mo na yung dream house mo, yung mga anak mo graduate na, yung dream vacation mo ay malapit mo ng mapuntahan..yun bang girlfriend or boyfriend mo ay malapit na kayong magpakasal...ako isa sa dream ko is to author & publish inspirational books...write novels at maging movie ito...:"One day nakikita ko na yung isang book ko na na publish titled "Bangon Pinoy...hindi pa tapos si Lord sa yo..by W. Capiral" alam ko one day mangyayari yan in Jesus name...
Dream on kapatid, libre mangarap...but work on your dreams...the road may be steep and slippery but someday makakarating ka din...sabi nga ni Efren bata Reyes..tayo din ang magkikita kita sa finals....meaning; let be one of your dream is to be in heaven with God...para sa akin yan ang ultimate dream ng bawat Kristiyano...ang makasama si God sa langit...sabagay sabi naman sa Bible: "Jesus is the Alpha and the Omega...If He is the beginning and the end tapos He is your Lord and savior...then He will make sure that we will be in heaven with Him someday...wag mo na isipin yung journey...focus ka na sa destination...and that is to be with Christ eternally. 

Kung meron ka nitong tatlong ito..then I guess your life has a meaning..God bless

PAGSUNOD SA MAGULANG

Sa buhay natin halos lahat gusto yumaman at maging successful…wala naman sigurong ang pangarap ay maging mahirap…kakaiba ata yun…
We all strive hard to be successful in life. We work hard, we study hard, we often make sacrifices just to reach our goal… yung iba nga nag aabroad para lumaki ang kita at matupad ang kanilang mga pangarap…kahit mangulila, kahit mag isa…kahit mawalay sa mga mahal sa buhay..basta ang mahalaga, matupad ang pangarap…pangarap na makaahon sa hirap….
Kung ating titignan, bata pala tayo yan na ang gusto ng ating mga magulang…ang maging matagumpay ang kanilang mga anak…Most of the parents if not all, works very hard para maitaguyod ang kanilang pamilya at syempre para mapaaral ang kanilang mga anak…this is the reality of life that the younger generation or the children often misses..ang alin? The fact that their parents wants them to succeed in life…
Often when our parents tell us something to do, they want us to do it not for the sake of just following them..they want us to do it because they love us and they want us to succeed..Teka…magulo ba English ko? Ganito po yun..pag sinabi ng tatay natin na mag aral tayo mabuti…it’s because they want us to finish our studies and have a good education..hindi nila pinapagawa yun para sa kanilang kapakanan…para sa atin yun…I remember my mom told me to eat vegetables…why? It’s because she wants me to be healthy. Kaso ang masakit we tend to disobey…kala kasi natin sinasabi nila yun para sa kapakanan nila..ayun, at the end sino nag suffer? Tayo…sino ang hindi nakatapos? Kasi imbes mag aral..ayun nag bulakbol….di tuloy nakatapos…when they told us to eat veggies,…ang kinain natin junk foods…ayun tuloy nagkasakit kasi kulang sa vitamins…There are a lot of things that our parents told us before when we are young….kaso nga sometimes we disobey…at syempre ang consequences…nahihirapan tayo sa buhay…yet sometimes we fail…
Sabi sa Ephesians 6:1-3 “Children, obey your parents in the Lord, for this is right. “Honor your father and mother”—which is the first commandment with a promise— “so that it may go well with you and that you may enjoy long life on the earth.” – Ang linaw po, Lets obey our parents and honor them..Bakit? so that we will go well and enjoy long life on earth….Mga kapatid…this is just a reminder that if we want to succeed in life and be blessed..Lets obey our parents…..
Lastly…if the bible says to obey our earthly parents..mas lalo pong dapat sundin din natin ang ating Heavenly Father…kung yung ating earthly parents wants us to succeed…mas tama po sigurong sabihin na lalo na ang ating Ama sa Langit…I’m sure..He wants to bless and prosper us…but first we should OBEY… Kaya pag sinabi ni Lord na unahin natin siya at sundin…ang ibig lang pong sabihin nun ay..pagpapala….dahil sabi nya sa Matthew 6:33 “But seek first his kingdom and his righteousness, and all these things will be given to you as well.” ---Sabi ni Lord…unahin nya at siya ang bahala sa atin…Because God’s plan for us is to prosper us, not to harm us but a plan to give us a good hope and a future…Amen…

MOTHER'S DAY

As we celebrate mother's day lets pause for a while, close our eyes and think, reminisce the good and bad times with our moms.  
Your first memory of her, yung farthest memory mo sa kanya....we have different levels of memory but I'm sure somewhere in your past..anduon siya ginabayan ka ng una kang lumakad, binihisan, pinaliguan, sinubuan ng gulay para kainin mo ito kasi mas gusto mo ang hotdog...sinuklayan ang buhok mo pag bagong ligo ka..nagagalit pag amoy araw ka dahil sa kalalaro sa kalsada...nag papapa alala sayo na tama na ang games at mag aral muna...tinuruan kang magbilang at ng ABAKADA. Lagi mong sumbungan pag may kaaway ka, kakaampi pag may kasalanan ka at andyan na ang tatay mo para pagalitan ka. 
Si Nanay na laging nilalapitan pag may gustong kang bilin lalo na at laruan. Si nanay na nasa tabi mo pag may sakit ka at taga gawa ng excuse letter kasi mas takot ka pa ata sa teacher mo kesa sa kanya. Si nanay na number one fan mo, pero unang nagagalit pag mababa ang grades mo pero siya din ang unang magsasabi sayo na kaya mo yan anak. Si nanay ang unang nasaktan ng nabigo ka, pero siya din ang unang nagpa lakas ng loob mo pag nanghihina ka na. Si nanay na kahit sa lamok ayaw kang padampian kaya ganun nalang ang galit pag napalo ka ng teacher mo pag nangongopya ka...Si nanay na laging nagsasabing magtapos ka anak..Si nanay na handang ibigay ang lahat, mag sakripisyo, maging OFW, maging katulong, mag lnis ng bahay ng may bahay para masiguradong darating ang isang araw na meron kang masasabing sariling bahay,,Si nanay yung handang mag alaga ng ibang anak, kahit minsan matanda pa nga para masiguradong may pantustos ka sa pag aaral mo lamang. Di inalintana ang lungkot, hindi para masabing bagong bayani...kundi para balang araw makikita ka niyang tapos ka sa iyong pag aaral at para di mo danasin yung kalungkutan na dinanas niya nung siya ay lumayo para mangibang bansa.
Si nanay na laging nagsasabing maganda ka..pogi ka...magaling ka..kaya mo yan...mana ka sa akin kasi...
Para sa atin yan ang mga ala ala natin sa ating mga ina but we often forget that before all of these, yung siyam na buwan na dinala ka nya sa kanyang sinapupunan..kinalimutan ang ka sexihan nila..bagkus hinayaang masira ng figure  at lumaki ang waistline at tumaba pero andun ang pag iingat sa sarili niya para masigurado na lalabas kang malusog at masigla. Siya ung taong hindi inalintana yung takot nung lalabas ka na sa mundong ito. Ke normal delivery pa yan or cesarian basta ang mahalaga alam nya na sa wakas makikita ka na. 
Ganun ka kamahal ng iyong ina, they might not be perfect but they surely they give their best because..you are God's greatest gift for her.
Today, call  your mom and tell her how thankful you are for her life. Ok ang post sa FB  pero mas OK kung makaka usap mo siya because you never know what will happen tomorrow.
To all biological moms, spiritual moms or emotional moms..salamat po sa buhay nyo..wala po kami sa kinalalagyan namin kung hindi dahil sa inyo. Salamat po sa walang sawang suporta, tiwala, pagpapakahirap at higit sa lahat sa panalangin po na niyo para sa amin. Tunay po na hindi kayo humihinto para masigurado lamang ang aming tagumpay at kahit wala na  po tayo sa iisang bahay..hindi pa din po tumigil ang  inyong  pagiging nanay. Malayo o malapit man...andiyan kayo at gumagabay. 
Purihin po ang Panginoon sa buhay nyo..Truly you are God's special gift wrap in a beautiful and lovely face. Love you po! God bless

DON'T WORRY...BE HAPPY...

“Here's a little song I wrote 
You might want to sing it note for note 
Don't worry be happy 
In every life we have some trouble 
When you worry you make it double 
Don't worry, be happy...... “

Kung mahilig kang makinig ng Radyo nuong dekada nubenta..malamang alam mo ang kantang yan…Don’t worry be happy…kanta na…
Minsan mahirap gawin yung wag mag worry pag may suliranin ka, pag may pinag dadaanan ka, pag may problema ka, pag may utang ka at ayan na maniningil, pag may bagyo, pag andyan na ang baha..pag andyan na ang habagat…pag wala ka makain..pag wala kang pera…aba’y mahirap talaga..tapos sasabihin sa yo, Don’t worry be happy….ano ka bale?? 
Dami mo ng problema..tapos wag pa mag wo-worry… pwede ba naman yun? Ano sa tingin mo? Ikaw na nag babasa nito? Pwede kaya yun?

Pero sa totoo lang wala naman talagang nangyayaring maganda pag nag worry ka..sa tingin mo ba ma solve ang problem mo pag nag worry ka?, mag kaka pera ka ba pag nag worry ka? Mawawala ba ang kulog, baha at habagat pag nag worry ka? Mababayaran mo ba ang mga utang mo pag nag worry ka? Mag kaka boyfriend ka ba pag nag worry ka dahil lampas na sa kalendaryo ang edad mo? Sa tingin ko lalo ka lang matataranta at matatakot pag nag worry ka..Kaya sa Bible sabi wag mag worry dahil wala naman daw mangyayaring maganda pag nag worry ka, tatanda ka lang daw…sabi sa Matthew 6:27 “Can all your worries add a single moment to your life?”…ayan maliwanag, di daw hahaba ang buhay mo pag nag worry ka..kaya wag ka na worry at baka mag ka wrinkles ka lang..ano pa? Worrying makes you focus on the problem and not on God’s love and power…
It means nawawala ang Faith mo pag nag worry ka..nawawala ang Faith mo sa kanyang mga salita at pangako..sabi sa Matthew 6:25 “That is why I tell you not to worry about everyday life-whether you have enough food and drink, or enough clothes to wear. Isn't life more than food, and your body more than clothing?”..ayan sabi don’t worry kasi mas importante daw ang buhay mo..it means God will take care of you kahit ano pa ang pinag dadaanan mo kasi God loves you and has a wonderful plan for you..(Jeremiah 29:11)…Kapatid, kahit ano man ang pinag dadaanan mo, tingin mo man ay mahirap, nakaka takot at parang wala ng pag asa, don’t worry kasi lalo ka lang manghihina..mawawalan ka lang ng focus sa tama mong gagawin at lalo ka lang mapapahamak..isipin mo nalang kung sakaling may malaking alon ang padating at nag worry ka..imbes makakatakbo ka ayun madadala ka nalang ng alon…kaya kapatid DON’T WORRY…ano man ang situation mo ngayon..give it all to God..kasi sabi nya sa 1st Peter 5:7 “Give all your worries and cares to God, for he cares about you”…ano man yan, Just trust God and have faith..wala pong impossible sa kanya…Amen!.....Dahil kahit ano pa ang pa ang pinagdadaanan mo, nasa baha at unos ka man ng buhay..blessings  pa din yan dahil buhay ka pa at may pag asa…dahil sabi ni God..” I will never leave you nor forsake you…Hebrews 13:5…Kaya kapatid, what ever happens..Don’t Worry and be Joyful because Jesus loves you and already die for you..tawag ka lang sa kanya..siya ang bahala sau..

GIVE THANKS

As the days passes by, one can only see problems, worries, sadness, loneliness, depression, trials, persecution, heart ache, sorrows, pains, debts, sickness at kung ano ano pang negative sa buhay. 

Pag gising palang sa umaga bukam bibig agad "hay....umaga na naman..papasok na naman...ano na naman kaya ang dalang problema ng araw na ito? Ano na naman kaya iuutos ng boss ko? Makikita ko na naman ang pag mumukha ng best friend ko...traffic na naman...ang init...ang sikip...ang baho...ang ingay...sino kaya at mauutangan? Due date na naman...Mis ko na pamilya ko (pag OFW)....bakit wala pa akong boy friend? bakit wala pa akong girl friend? asan ka na ba? Bakit wala ka pa? Basilyo...Crispin? Asan na kayo....hehehe...Let us stop this kung ito tayo...

OO mahirap naman talaga, masakit, makirot, malungkot..pero kung ito ng ito ang focus mo....ito nalang lagi ang makikita mo..pa pangit ka lang at tatanda...at kahit isipin mo ng isipin ang lahat ng problema mo, ng kapit bahay mo at pati ng planetang ito...di naman mababago sitwasyon mo....magkakasakit ka lang...kaya pwede ba...LETS STOP BEING NEGATIVE AND LET START TO APPRECIATE LIFE. Instead of looking at those "negative things" let us focus sa mga magandang bagay na meron tayo...Lets start to count our blessings and thank those people in our life that contributes to our well being.

Isang bagay na natutunan ko sa buhay na ito is to number my days kasi hindi natin hawak ang buhay natin..Anything can happen in a blink of eye. I may still be here tomorrow, maaaring wala na din.

Kaya ako I choose to be thankful sa bawat umaga na nagigising ako at sa bawat gabi na matutulog na ako...it means God has given me His travelling mercy for the whole day kaya eto ako at nakahiga sa kama para matulog at magpahinga.

I also learn to thank those people who have contributed to my life. Sa mga taong ibinigay ng Diyos sa akin para ako ay maging ako. Sa mga taong tumulong sa akin para marating ko kung san man ako naruon ngayon. Sa mga taong tumulong sa akin, nag pasaya sa akin, nag paluha sa akin at dahil sa pag luhang iyon ay may natutunan ako. Sa mga taong nag mahal sa akin at dahil sa pagmamahal na yun nakita ko ang ganda ng buhay. Ang sarap ng mabuhay ng may minamahal at nag mamahal.

Kaya instead of looking on the negative side of life, focus on the things na meron ka and learn to thank people.

Thank your parents kasi without them, wala ka sa mundong ito. Kung nag trabaho sila para mabuhay ka, kung nag pakahirap sila para mapa aral ka....Call them and say "Thank you Mom..Thank you Dad"....

Thank your mom for bringing you in her womb for nine months...thank her for taking care of herself to ensure na normal kang lalabas sa mundong ito...

Thank your siblings for being there nung mga bata pa kayo...Pasalamat ka kung inubusan ka ng ulam, inasar ka nung bata ka, lagi kang taya pag taguan...lagi kang kulelat sa takbuhan....tinukso ka..inaway..pinag taguan...

Thank those times kasi those are treasures of your childhood days...

Thank your spouse,...pinag luto ka, pinag plantsa ka, pinagsaing ka, kinutuhan ka, pinag linis ka ng banyo, tiniklop ang mga damit mo kahit gulo ka ng gulo...nagta trabaho siya, nag sideline siya, nag business siya just to ensure na may pera kayo na magagamit...thank your spouse for just being there for you nung nalulungkot ka, nung may sakit ka, nung may LBM ka, nung may monthly period ka, nung umiyak ka kapapanood ng telenobela at Korea nobela....Give thanks to this...Blessings ito kapatid...

Thank your children for studying hard, for being a kid, for being a baby..for being makulit, for being malambing..for being minsan matigas ang ulo kasi it developed your patience and love...yes,,,kahit anak natin sila, we should appreciate them being a part of our life...marami dyan didn't have the luxury of being called a "Mom or Dad"... 

And lastly....Thank God! 

God has been guiding us, feeding us, correcting us,loving us... Lets thank God for every single second of our life...kasi without Him..wala tayo... 

Start to say thank you and appreciate life gaano man ito kahirap...Remember, we would not appreciate the good time if never knew the bad times....Kaya ako...kung sino ka mang nagbabasa ng post kung ito...Salamat sa Diyos sa buhay mo...at maraming salamat for taking time in reading my blog...Thank you and God bless you! 

DO YOU WANT TO BE A BLESSING FINANCIALLY? LEARN TO HAVE A PASSIVE INCOME

Everybody wants to be successful and rich for different reasons, but as a Christian, we want to be rich to be a channel of blessing. 

Mahirap naman talaga magbigay kung wala kang maibibigay. Imagine, meron kang kapatiran na nag pa pray dahil nanga-ngailangan ng pambili ng pagkain tapos ikaw mismo wala din mai abot man lang or wala din palang makain. Let's accept it, mahirap mag mission pag walang pera.

Yes we are commanded to work, but sometimes the same job we have is the same hindrance kung bakit di tayo makapag serve sa kanyang kingdom. Bakit? kasi may overtime, marami work...traffic..pagod ka na at kung ano ano pang dahilan. So at this point, I want to suggest something...kailangan meron tayong "PASSIVE INCOME"

E ano ba ang passive income?

According to Robert Kiyosaki, author of Rich Dad Poor Dad,meron siyang tinatawag na 4 income quadrants.

Yung nasa left side na E at S or employee at self employed ay tinatawag na ACTIVE INCOME, ibig sabihin our income comes in exchange of our time. Pag Empleyado ka, kahit gaano pa kataas ang posisyon mo or kahit gaano pa kalaki ang sahod mo....the moment you stop working...hinto ang income mo...ganun din sa mga Self employed or small business owners. OO tama na mas malaki ang potential ng pag yaman pero the moment you stop doing your business..wala na ding income...yan ang ACTIVE INCOME. You exchange your time and talent for a fee. E paano kung magkasakit ka or tumanda ka na? Paano na?

Ang PASSIVE INCOME naman or yung mga nasa right side ng quadrant gaya ng Business owner or Investor, ito yung kahit hindi sila mag work, kahit tulog sila, kahit absent sila, kahit nag vacation sila or kahit matanda na sila....INCOME IS FLOWING..Yes there is hard work involve pero minsang hirap lang..ang maganda sa PASSIVE INCOME, once you set up the system, may time freedom ka na...may financial freedom ka pa...Isang definition sa PASSIVE INCOME is letting your time & money work for you unlike sa ACTIVE INCOME, we work for money...

Bilang servant of Jesus Christ, mas maganda na makapag setup tayo ng mga PASSIVE INCOME streams habang maaga para dumating ang time we can work full time sa ministry. Hindi lang yun, pag may mga passive income ka, mas mag kaka time ka pa sa family mo.

Maaring itanong mo sa akin baka malaking kapital ang kailangan para magkaruon ng passive income? HINDI PO! Maniniwala po ba kayo na in as much as Dhs5 per day (limang dirhams or 67.5php) PWEDE KANG MAGING MILYONARYO? AT MAGKARUON NG PASSIVE INCOME? OPO pwede po....yan po ang susunod kung ibabahagi sa inyo....Handa ka na bang maging MILYONARYO?