Category Archives: Secrets of the Rich
Bakit Mahalaga Ang Insurance?
Sa ating araw-araw na aktibidad hindi natin masasabi kung gaano tayo ka safe sa paligid na ginagalawan natin. Andyan ang aksidente, pagkakaroon ng sakit, pagkamatay at marami pang iba klase ng di inaasahang malas sa ating buhay.
Dito tayo nagkakautang ng malaki sa mga kamag-anak at kaibigan dahil hindi tayo handa sa mga ganitong pagkakataon.
Kung may insurance ka, napakalaking tulong ito para matustusan ang ganitong malaking gastos dahil sasagutin ng insurance ang mga ibang magagastos. Insurance ang magbabayad sa mga nagastos mo sa ospital, pagpapa repair ng sasakyan at kahit pagpapatayo ng bahay kung ikaw ay nasunugan, binaha o kaya sinira ng malakas na lindol.
Narito ang mga ilang klase ng insurance.
Medical or Health Insurance
Ang Philhealth Card ang isa sa halimbawa ng ganitong klase ng insurance. Tinatawag din itong short term medical insurance dahil renewal ito yearly, quarterly or monthly. Kung ikaw ay edad 21 hanggang 65 ay pwede ka na kumuha ng medical insurance. Pwedeng isama sa coverage ng insurance ang mga anak na edad 21 pababa. Base sa nakasaad sa policy, pwedeng bayaran ng medical insurance ang mga gastusin sa ospital tulad ng bayad sa operasyon, doctor’s fee, gamot at pati na rin gamot.
Ayon sa aking karanasan nung nanganak ang misis ko, ang total expense namin ay nabawasan ng 60% kaya napakalaging bagay ang makukuhang discount kung may insurance ka. Ginamit nya ang kanyang PhilHealth Card.
Sa pamamagitan ng life insurance, binibigyan nito ang proteksiyon ang buhay ng isang tao kung may masamang mangyari ito sa kanya tulad ng kamatayan, disability, sakit at aksidente. Kung mawala sa mundong ibabaw ang taong insured, babayaran ng insurance company ang kanyang beneficiaries ng halaga ayon sa kontrata sa insurance.
Makikita dito sa baba ang kinuha kong insurance sa 2 company mid of 2015.
Ang isa dito ay mula sa PNB Life na one time payment ng 100,000. Ito ay isang klase ng investment with link insured amount na 125% at pwede pa itong dagdagan pa kung gusto ko. Please see below copy of my policy information.
Ang pangalawa ay sa kinuha ko sa Prulife which is payable in 5 years with a monthly payment of P5,000 na auto debit sa aking bank account.
Prulife Policy Copy
Auto Debit Transaction
Malaki o maliit man ang bahay ng isang tao, malaking pera ang napunta dito sa kanyang investment dahil isa sa mga pangunahing pangarap ng isang mamayang Pilipino ang magkaroon ng bahay. Kung nasira ang iyong bahay ng lindol, baha o kaya sunog, ang insurance ang tutulong sayo para maipatayo mo ulit ang nasirang bahay.
Kung may sasakyan ka, mahalalang magkaroon ka ng insurance para dito. Kung may mangyaring aksidente sayo, ang insurance ang sasagot sayo. Ang car insurance ay ang kontrata mo sa issuing company. Kung sakaling mabangga o manakaw ang kotse mo, ang insurance ang sasagot sa magagastos dito.
Sa pamamagitan ng Comprehensive Auto Insurance, magku-cover ng lahat ng damages kung may mangyari sa kotse mo.
Dahil mahalaga sa atin ang ating pamilya kaya tayo kumukuha ng Personal Accident Insurance. Itong klase ng insurance ang sasagot sa gastusin sa ospital dahilan ng inyong pagka aksidente. Dito pwede mong I re-imburse ang mga nagastos mo sa ospital.
Pwedeng i-extend ang coverage ng PA insurance at pwedeng isama dito ang para ma cover nya ang pagkamatay (Murder) lalo na sa gastos sa pagpapalibing, at pati na rin ang dobleng bayad kapag ikaw ay naaksidente sa eroplano o barko.
To your success,
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10 Reasons You Should Never Depend on Your Job
It’s funny that when people reach a certain age, such as after graduating college, they assume it’s time to go out and get a job. But like many things the masses do, just because everyone does it doesn’t mean it’s a good idea. In fact, if you’re reasonably intelligent, getting a job is one of the worst things you can do to support yourself. There are far better ways to make a living than selling yourself into indentured servitude.
Here are some reasons you should do everything in your power to avoid getting a job:
1. Income for dummies.
Getting a job and trading your time for money may seem like a good idea. Because you only get paid when you’re working. Don’t you see a problem with that, or have you been so thoroughly brainwashed into thinking it’s reasonable and intelligent to only earn income when you’re working? Have you never considered that it might be better to be paid even when you’re not working? Who taught you that you could only earn income while working? Some other brainwashed employee perhaps?
Don’t you think your life would be much easier if you got paid while you were eating, sleeping, and playing with the kids too? Why not get paid 24/7? Get paid whether you work or not. Don’t your plants grow even when you aren’t tending to them? Why not your bank account?
Who cares how many hours you work? Only a handful of people on this entire planet care how much time you spend at the office. Most of us won’t even notice whether you work 6 hours a week or 60.
And of course there is a better way. The key is to de-couple your value from your time.
Smart people looks for network and build systems that generate income 24/7, especially passive income. This can include starting a network marketing business, building a web site, becoming an investor, or generating royalty income from creative work. The system delivers the ongoing value to people and generates income from it, and once it’s in motion, it runs continuously whether you tend to it or not.
From that moment on, the bulk of your time can be invested in increasing your income (by refining your system or spawning new ones) instead of merely maintaining your income.
Sure it takes some upfront time and effort to build your own income-generating system. But you don’t have to reinvent the wheel — feel free to use existing income generating systems. Once you get going, you won’t have to work so many hours to support yourself. Wouldn’t it be nice to be out having dinner with your spouse, knowing that while you’re eating, you’re earning money? If you want to keep working long hours because you enjoy it, go right ahead. If you want to sit around doing nothing, feel free. As long as your money-making system continues delivering value to others, you’ll keep getting paid whether you’re working or not.
Your local bookstore is filled with books containing workable systems others have already designed, tested, and debugged. Nobody is born knowing how to start a business or generate investment income, but you can easily learn it. How long it takes you to figure it out is irrelevant because the time is going to pass anyway. You might as well emerge at some future point as the owner of income-generating systems as opposed to a lifelong wage slave. This isn’t all or nothing. If your business only generates a few hundred dollars a month, that’s a significant step in the right direction.
2. Limited experience.
You might think it’s important to get a job to gain experience. But that’s like saying you should play golf to get experience playing golf. You gain experience from living, regardless of whether you have a job or not. A job only gives you experience at that job, but you gain ”experience” doing just about anything, so that’s no real benefit at all. Sit around doing nothing for a couple years, and you can call yourself an experienced meditator, philosopher, or politician.
The problem with getting experience from a job is that you usually just repeat the same limited experience over and over. You learn a lot in the beginning and then stagnate. This forces you to miss other experiences that would be much more valuable. And if your limited skill set ever becomes obsolete, then your experience won’t be worth squat. In fact, ask yourself what the experience you’re gaining right now will be worth in 20-30 years. Will your job even exist then?
Consider this. Which experience would you rather gain? The knowledge of how to do a specific job really well — one that you can only monetize by trading your time for money – or the knowledge of how to enjoy financial abundance for the rest of your life without ever needing a job again?
3. Lifelong domestication.
Getting a job is like enrolling in a human domestication program. You learn how to be a good pet. Look around you. Really look. What do you see? Are these the surroundings of a free human being? Or are you living in a cage for unconscious animals? Have you fallen in love with the color beige?
How’s your obedience training coming along? Does your master reward your good behavior? Do you get disciplined if you fail to obey your master’s commands?
Is there any spark of free will left inside you? Or has your conditioning made you a pet for life?
Humans are not meant to be raised in cages.
4. Too many mouths to feed.
Employee income is the most heavily taxed there is. In the USA you can expect that about half your salary will go to taxes. The tax system is designed to disguise how much you’re really giving up because some of those taxes are paid by your employer, and some are deducted from your paycheck. But you can bet that from your employer’s perspective, all of those taxes are considered part of your pay, as well as any other compensation you receive such as benefits. Even the rent for the office space you consume is considered, so you must generate that much more value to cover it. You might feel supported by your corporate environment, but keep in mind that you’re the one paying for it.
Another chunk of your income goes to owners and investors. That’s a lot of mouths to feed.
It isn’t hard to understand why employees pay the most in taxes relative to their income. After all, who has more control over the tax system? Business owners and investors or employees?
You only get paid a fraction of the real value you generate. Your real salary may be more than triple what you’re paid, but most of that money you’ll never see. It goes straight into other people’s pockets.
What a generous person you are!
5. Way too risky.
Many employees believe getting a job is the safest and most secure way to support themselves.
Social conditioning is amazing. It’s so good it can even make people believe the exact opposite of the truth.
Does putting yourself in a position where someone else can turn off all your income just by saying two words (”You’re fired”) sound like a safe and secure situation to you? Does having only one income stream honestly sound more secure than having 10?
The idea that a job is the most secure way to generate income is just silly. You can’t have security if you don’t have control, and employees have the least control of anyone. If you’re an employee, then your real job title should be professional gambler.
6. Having an evil bovine master.
When you run into an idiot in the entrepreneurial world, you can turn around and head the other way. When you run into an idiot in the corporate world, you have to turn around and say, “Sorry, boss.”
Did you know that the word boss comes from the Dutch word baas, which historically means master? Another meaning of the word boss is “a cow or bovine.” And in many video games, the boss is the evil dude that you have to kill at the end of a level.
So if your boss is really your evil bovine master, then what does that make you? Nothing but a turd in the herd.
Who’s your daddy?
7. Begging for money.
When you want to increase your income, do you have to sit up and beg your master for more money? Does it feel good to be thrown some extra Scooby Snacks now and then?
Or are you free to decide how much you get paid without needing anyone’s permission but your own?
If you have a business and one customer says “no” to you, you simply say “next.”
8. An inbred social life.
Many people treat their jobs as their primary social outlet. They hang out with the same people working in the same field. Such incestuous relations are social dead ends. An exciting day includes deep conversations about the company’s switch from Sparkletts to
Arrowhead, the delay of Microsoft’s latest operating system, and the unexpected delivery of more Bic pens. Consider what it would be like to go outside and talk to strangers. Ooooh… scary! Better stay inside where it’s safe.
If one of your co-slaves gets sold to another master, do you lose a friend? If you work in a male-dominated field, does that mean you never get to talk to women above the rank of receptionist? Why not decide for yourself whom to socialize with instead of letting your master decide for you? Believe it or not, there are locations on this planet where free people congregate. Just be wary of those jobless folk — they’re a crazy bunch!
9. Loss of freedom.
It takes a lot of effort to tame a human being into an employee. The first thing you have to do is break the human’s independent will. A good way to do this is to give them a weighty policy manual filled with nonsensical rules and regulations. This leads the new employee to become more obedient, fearing that s/he could be disciplined at any minute for something incomprehensible.
Thus, the employee will likely conclude it’s safest to simply obey the master’s commands without question. Stir in some office politics for good measure, and we’ve got a freshly minted mind slave.
As part of their obedience training, employees must be taught how to dress, talk, move, and so on. We can’t very well have employees thinking for themselves, now can we? That would ruin everything.
10. Becoming a coward.
Have you noticed that employed people have an almost endless capacity to whine about problems at their companies? But they don’t really want solutions – they just want to vent and make excuses why it’s all someone else’s fault. It’s as if getting a job somehow drains all the free will out of people and turns them into spineless cowards. If you can’t call your boss a jerk now and then without fear of getting fired, you’re no longer free. You’ve become your master’s property.
When you work around cowards all day long, don’t you think it’s going to rub off on you? Of course it will. It’s only a matter of time before you sacrifice the noblest parts of your humanity on the altar of fear: first courage… then honesty… then honor and integrity… and finally your independent will. You sold your humanity for nothing but an illusion. And now your greatest fear is discovering the truth of what you’ve become.
It is never too late to regain your courage. Never!
Still want a job?
If you’re currently a well-conditioned, well-behaved employee, your most likely reaction to the above will be defensiveness. It’s all part of the conditioning. But consider that if the above didn’t have a grain of truth to it, you wouldn’t have an emotional reaction at all. This is only a reminder of what you already know. You can deny your cage all you want, but the cage is still there. Perhaps this all happened so gradually that you never noticed it until now… like a lobster enjoying a nice warm bath.
If any of this makes you mad, that’s a step in the right direction. Anger is a higher level of consciousness than apathy, so it’s a lot better than being numb all the time. Any emotion — even confusion — is better than apathy. If you work through your feelings instead of repressing them, you’ll soon emerge on the doorstep of courage. And when that happens, you’ll have the will to actually do something about your situation and start living like the powerful human being you were meant to be instead of the domesticated pet you’ve been trained to be.
What’s the alternative to getting a job? The alternative is to remain happily jobless for life and to generate income through other means. Realize that you earn income by providing value — not time – so find a way to provide your best value to others, and charge a fair price for it.
One of the simplest and most accessible ways is to start your own business. Whatever work you’d otherwise do via employment, find a way to provide that same value directly to those who will benefit most from it. It takes a bit more time to get going, but your freedom is easily worth the initial investment of time and energy. Then you can buy your own Scooby Snacks for a change.
And of course everything you learn along the way, you can share with others to generate even more value. So even your mistakes can be monetized.
To your success,
P.S. If your learned something from this blog post, feel free to type your comment below. Please don’t forget to like me in Facebook.
Bakit Hindi Sapat ang Pagtitipid Upang Maging Mayaman?
“Kapag bitin ang kumot, matutong mamaluktot”
Isang sikat na kasabihan ito na karaniwang sinasabi kapag kulang o hirap sa buhay ang isang tao. Nangangahulugan na dapat na matutong maging kuntento o ibagay ang sarili sa nakalatag na sitwasyong pinansyal sa pang araw-araw. Kung hindi sapat ang kinikita, matutong magtipid. Tama nga naman. Ngunit hindi sapat ang pagtitipid “lang” upang guminhawa ang buhay.
Idaan natin sa kwento.
Si Juan ay isang karaniwang manggagawa at walang pamilya. Kumikita siya ng 400 pesos kada araw. Ang magandang ugali ni Juan ay marunong at magaling syang magtipid. Dahil marunong sa buhay, alam nya ang pagkakaiba ng “Needs” vs. “Wants”, at iniaayon nya ang kanyang desisyon sa paggastos batay dito.
Araw-araw ay gumagastos si Juan ng 30 pesos para sa balikang pamasahe sa jeep, at 150 pesos para sa agahan, tanghalian at hapunan. Dahil matipid sa paggamit ng kuryente at tubig, umaabot lang sa 700 pesos ang bayad nya dito kada buwan. 1500 ang upa nya kada buwan sa maliit na kwarto. Hindi siya bumibili ng bagong mga damit o gamit sa bahay dahil naniniwala sya na dagdag gastos lang ang mga ito. Hindi rin sya sumasama sa mga gimik tuwing nagyayaya ang kanyang mga kaibigan.
Ngayon magcomute tayo.
Sweldo: 400 pesos/araw x 22 working days = 8,800 pesos/buwan
1. Pamasahe: 30 pesos/araw x 22 working days = 660 pesos/buwan
2. Pagkain: 150 pesos/araw x 30 days = 4,500 pesos/buwan
3. Kuryente at Tubig = 700 pesos/buwan
4. Bahay (Renta) = 1500 pesos/buwan
Kabuuang gastos = 7,360 pesos/buwan
Matitira para sa ipon: 8,800 – 7,360 = 1,440 pesos/buwan
Ito ang naiiipon ni Juan kada buwan “dahil nagtitipid sya”. Magttrabaho sya sa loob ng 30 taon at dahil magaling siyang magtipid napanatili nya ang 1,440 pesos kada buwan na ipon. Dumating ang kanyang retirement. Nang binilang niya ang naipon niya, hindi siya natuwa, dahil tumataginting na 518,400 pesos lang ang kanyang naipon sa loob ng 30 taon.
1.) Paano kung magkaron na ng asawa at mga anak si Juan?
2.) Paano kung magkaron ng mga di inaasahang pangyayari at kailanganin nya galawin ang kanyang naipon?
Hindi sapat na matipid ka lang. Kailangang isipin natin kung paano natin madadagdagan ang kasalukuyang kinikita sa ating mga trabaho. Ang pagtitipid ay may limitasyon. Walang karaniwang tao na yumaman dahil sa pagtitipid “lang”. Mag-isip at dagdagan ang iyong pinagkakakitaan. (By: Doc Isko)
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To your success,
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Ano ‘yung Kurot Principle?
Kurot Principle: Pinoy vs. Chinoy Businessman
(Excerpted from Vic and Avelynn Garcia’s book entitled Kontento Ka Na Ba Sa KaPERAhan Mo?)
Ano ‘yung Kurot Principle? Ay, ang ganda nitong Kurot Principle na ito. To better understand this, I will tell you a story of a person na balak bumili ng cellphone worth P1,000. Nagkataong mayroon siyang P100,000 na savings. Puwede ba siyang bumili ng cellphone? Puwede, kasi yung P1,000, KUROT lang ‘yon sa kanyang savings.
May pangalawang taong balak bumili ng cellphone. Ang bibilhin niya ay worth P1,000 din. Mayroon siyang savings sa bangko na P1,000. Bumili siya ng cellphone. Anong tawag dun? DAKOT na ‘yun! Dinakot lahat ang pera niya!
May pangatlong tao, balak bumili ng cellphone, pero walang savings. P1,000 lang naman ‘yung bibilhin niya. Bumili siya. Anong tawag ‘dun? UTANG na ‘yun!
Ang tanong: ano’ng prinsipyo ang ginagamit mo sa buhay mo? KUROT, DAKOT, o UTANG?
Magtataka pa ba tayo kung bakit tayo naghihirap o baon sa utang? Ang gagaling nating dumakot! Ang gagaling nating umutang! Gusto mong yumaman? Starting today, matutong kumurot. Kapag may bibilhin, dapat kinukurot lang! Nagkakaintindihan ba tayo? Kapag ginawa mo ito, pangako, yayaman ka.
Pag-aralan nating muli ang mga pinakamayayaman sa Pilipinas, ang Chinoy. Again, bakit sila mayayaman? Ang gagaling nilang… kumurot! Tayo ang gagaling nating… dumakot! Sasampolan kita…
Pinoy vs. Chinoy Businessman
May dalawang negosyanteng nagsimula ng kanilang negosyo, isang Pinoy at isang Chinoy. Ang capital nila pareho ay P100,000.
Sa unang buwan, si Pinoy, kumita ng P10,000. Ano ang iniisip bilhin? Cellphone. Si Chinoy, kumita rin ng P10,000. Ano ang gagawin niya? Idadagdag niya sa puhunan.
So magkano na ngayon ang puhunan ni Chinoy? P110,000! Si Pinoy, P100,000 pa rin, pero may bago siyang cellphone. Ang ganda!
Ituloy natin. After a few months, maganda ang takbo ng negosyo. Si Pinoy kumita ng P50,000. Ang Pilipinong may P50,000, ano ang balak bilhin? Bibili siya ng home theater, DVD, at LCD TV! Si Chinoy, kumita rin ng P50,000. Anong gagawin niya? Idadagdag uli sa puhunan niya. Magkano na ang puhunan niya? P160,000 na!
A few months later pa, ang Pinoy kumita ng P150,000! Ang Pilipinong mayroong P150,000, ano ang balak bilhin? Second-hand na kotse o pang-downpayment sa bagong kotse. Ang Chinoy, may P150,000. Ano’ng gagawin niya? Idadagdag sa puhunan! Magkano na ang puhunan niya? P310,000!
Buwan-buwan, si Pinoy kumikita. Dagdag siya ng dagdag ng gamit. Magkano ang puhunan niya? P100,000! Si Chinoy, buwan-buwan kumikita. Ano ang ginagawa niya? Dagdag ng dagdag sa puhunan niya. One day, Chinoy was able to save P1 million! So ginawa niya, he approached one supplier and said, “Supplier, kung bibili ako sa‘yo ng worth P1 million, bibigyan mo ba ako ng discount?” Hulaan mo kung ano ang sasabihin ng supplier. “Of course, ang dami mong bibilhin, kaya bibigyan kita ng additional 5% discount!”
Ngunit naisip ni Chinoy, “Hindi naman yata maganda na sa akin lahat ang 5%. Ang gagawin ko, bibigyan ko ang customers ko ng 3% discount at sa akin na lang ‘yung 2%.” Ibig sabihin, bababa ang presyo ng kanyang mga ibinebentang produkto.
It just so happened na magkatabi ang tindahan ni Chinoy at ni Pinoy. Pareho sila ng mga produktong ibinebenta. Given the situation, kanino kayo bibili? Kay Chinoy, because it’s cheaper. Ano ang mangyayari sa negosyo ni Pinoy? Malulugi na. Kasi mas mahal ang kaniyang produkto. Ano ang gagawin niya? Ibebenta niya ‘yung kotseng nabili niya ng P150,000. Sino ang bibili? Siyempre, ang maraming pera, si Chinoy. Tatawaran pa ni Chinoy ang kotse ng P80,000. Dahil gipit na si Pinoy, kahit palugi ay ibebenta na rin niya. Si Chinoy ngayon ay nagkaroon ng kotse na murang-mura lang!
After a few months, mauubos din ang P80,000 ni Pinoy. Ano ang susunod na gagawin ni Pinoy? Ang home entertainment niya ay ibebenta na rin. Magkano? P20,000 na lang. Sino ang bibili? Si Chinoy. Darating ang araw na pati ang cellphone ni Pinoy ay ibebenta na niya. Magkano niya ibebenta? P2,000 na lang! Isang araw, magsasara na ang negosyo ni Pinoy. Ano ang gagawin niya? Malamang, magtatrabaho na lang siya kay Chinoy. Ito ang kuwento ng bansang Pilipinas!
Naalala mo pa ba noong araw, mas mayayaman ang mga Pinoy kaysa sa mga Chinese. Bakit nagbago? Ano ba ang problema natin? Dakot kasi tayo ng dakot! Sila, kurot lang ng kurot!
Mayroon kaming naging participant before na nagsabi, “Sir, hindi naman totoo ‘yan! I know a Chinoy, he drives a BMW. That’s a P5 million car! Kurot ba ‘yun?” Malamang kurot ‘yun! Noong binili niya ‘yun, mayroon na siyang P100 million na savings! So kurot lang ‘yun! Nandiyan ka pa ba?
Isang Kahig, Isang Tuka
Saan ka makakakita ng mga taong isang kahig, isang tuka? Saan? Sa squatters area? Magtigil ka! Gusto mo’ng makakita ng mga taong isang kahig, isang-tuka? Sa Ortigas, sa Makati, may makikita ka.
What do I mean? Kapag hindi ka sumuweldo ng isang buwan, mabubuhay ba ang pamilya mo? Kung wala kang credit card, kung mawalan ka ng trabaho ngayon, ilang araw ang aabutin para mabuhay ng matino ang pamilya mo? Kapag nawalan ka ng suweldo, patay ka!
Ang mga Chinoy, kahit hindi muna kumita o magnegosyo, mabubuhay ng maganda. Bakit po? Kasi many years ago, kumahig sila ng kumahig at tumuka lang konti. Kaya marami sa kanila ngayon, tuka na lang ng tuka. Maraming Pinoy, kapag hindi tayo kumahig, wala tayong tutukain.
Ito ang masakit–sometimes, kahit matanda na tayo, kahig pa rin tayo ng kahig. Gaano karaming Pilipino ang 60 years old na ay trabaho pa rin ng trabaho? Puwede ba, simula ngayon, kumahig ka nang kumahig at iwasan munang tumuka. I-deprive ang sarili ng kaunti.
Ang pinakamasakit sa lahat ay ito–one day, you want to work, but you cannot work. You are already old. Why? Nagpakasasa ka kasi noong bata ka pa. Inubos mo na lahat ng lakas at kalusugan mo sa bisyo.
Tanong: Masama ba’ng bumili ng mahal? Sagot: Hindi! Basta kinukurot lang! Kapag nakakita ka ng kasamahan mong naka-Nike shoes, huwag mong husgahan kaagad iyong tao! Malay mo, kinurot lang niya iyon. At the end of the day, what is happening to other people is not important. What’s more important is what is happening to you.
The Bible says in 1 Thessalonians 4:11, “Make it your ambition to lead a quiet life. You should mind your own business and work with your hands, just as we told you.”
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To your success,