Tuesday, January 11, 2011
Sunday, September 19, 2010
Do You Want to Gain Financial Wealth and Spiritual Abundance at the Same Time?
My name is Bo Sanchez.
For twenty years, I was a poor missionary.
It helped that I was single then. I had no babies that needed diapers or a wife to romance on dates or a house mortgage to pay. So poor was okay.
I didn’t need money. I was happy preaching, writing, and doing ministry work among the poor. I really thought that to love the poor, I had to become poor.
I also used to think that to be close to God, I had to be poor too. I had this subconscious belief that money was evil.
But over ten years ago, I began to change my beliefs. (Which by the way is where all radical changes start. As the Bible says, “By your faith, it shall be done unto you.”)
Today, I’m a Truly Rich missionary.
I chose to become an entrepreneur. I now run businesses, invest in real estate properties, and invest in stocks and other paper assets. As of this writing, I have 16 income streams flowing to my life.
Yes, I’m still a missionary. I still preach, write, and work among the poor, lifting them out of poverty. And the impact of my ministry has multiplied a hundred times more.
But in case you’re asking, I don’t drive a luxury car or own a mansion. Oh yes, I can now afford to buy them. But as a personal choice, I’ve decided to remain simple in my lifestyle. Why? Not because it’s wrong to own them. I repeat: It’s a personal choice. But I believe that the ultimate purpose of wealth is to love others. And I’ve made a choice to use a lot of my wealth to make this world a better place.
I’m Truly Rich because of two reasons: My passive income is much more than my monthly expenses—and so I’m able to tithe to God and give sacrificially for the ministry and the poor.
And that’s what I want you to experience.
Friend, I want to stop talking about me and start talking about you. I want you to enjoy the same blessing in your life. And the key is to change your beliefs and thinking…
http://trulyrichclub.com/
To Change Your Beliefs & Get Your 7 Free Blessings!
Here’s why: Your beliefs are very powerful.
Your beliefs are so powerful, they determine your whole destiny.
And from my experience, two of the most important beliefs that determine your destiny are beliefs about who you are and who God is.
These two crucial beliefs—(1) who you think you are and (2) who you think God is—will shape your entire future. Trust me, your happiness and success in life depends on these two beliefs!
And that’s where GodWhispers come in. If you read GodWhispers daily, over time, I’m convinced it can change these two crucial beliefs.
How do I know?
Let me tell you my story…
Where My Distorted Beliefs Come From
When I was a child, I was sexually molested.
Though a victim, I blamed myself.
I found myself hating myself. I felt dirty. I felt ugly.
As the years went by, I developed a sexual addiction that messed up my life for many, many years. But worse than that, I developed a shame-based personality.
For years, I would wake up every morning feeling a deep sadness in my heart. At first, I didn’t know why I felt so much despair in me. It was only much later that I discovered what it was: I realized I was ashamed about who I was. I was ashamed that I was alive. I was ashamed that I even existed!
I was desperate for people to like me—so I would bend over backwards to get people to like me. If people didn’t like me, I panicked. I felt I was dying inside.
My sexual addiction was simply a hunger for love. And not being able to get that love, I chose a substitute—which was sexual fantasies and pornography. They were my anaesthesia to deaden the pain inside.
The funny thing was that early on, when I was 12 years old, I came to a personal relationship with God. But somehow, my addictions and my deep-seated shame continued and even worsened. I didn’t know why I wasn’t being healed.
Years later, I realized why: My image of God had to be healed first.
You see, once upon a time, I thought that God was a judgmental God. I thought that when God looked at me, all He saw were my sins and my weaknesses.
I began to heal when I began to change my beliefs about God.
How? I bombarded my mind with the correct image of God. (How I wish I had someone else sending me GodWhispers then!)
I learned that beliefs don’t change overnight. Changing one’s beliefs means creating new neural pathways in our brain.
Let me explain how this works.
http://godwhispersclub.com/index1.php
Tuesday, September 14, 2010
7 Spending Tips From Frugal Billionaires
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| Carlos Slim Helu (Carlos Slim) |
Carlos Slim Helu (Carlos Slim), a telecom tycoon and billionaire with well-known frugal tendencies, has a net worth of $60.6 billion, according to Forbes. Assuming no changes in his net worth, he could spend $1,150 a minute for the next 100 years before he ran out of money. To put this in perspective, he could spend in 13 minutes what a minimum-wage earner brings home after an entire year of the daily grind.
1. Keep Your Home Simple
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| Bill Gates |
2. Use Self-Powered or Public Transportation
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| John Caudwell, |
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| David Cheriton |
3. Buy Your Clothes off the Rack
While some people, regardless of their net value, place a huge emphasis on wearing designer clothes and shoes, some frugal billionaires decide it's simply not worth the effort, or expense. You can find David Cheriton, the Stanford professor who matched Google founders Sergey Brin and Larry Page to the venture capitalists at Kleiner, Perkins, Caufield & Byers (resulting
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| Sergey Brin and Larry Page |
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| Ingvar Kamprad |
4. Keep your Scissors Sharp
The average haircut costs about $45, but people can and do spend up to $800 per cut and style. Multiply that by 8.6 (to account for a cut every six weeks) and it adds up to $7,200 per year, not including tips. These billionaires can certainly afford the most stylish haircuts, buy many cannot be bothered by the time it takes or the high price tag for the posh salons. Billionaires like John Caudwell and David Cheriton opt for cutting their own hair at home.[Stock Picks From the World's Greatest Investors]
5. Drive a Regular Car
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| Larry Ellison (co-founder and CEO of Oracle |
6. Skip Luxury Items
It may surprise some of us, but the world's wealthiest person, Carlos Slim (the one who could spend more than a thousand dollars a minute and not run out of money for one hundred years) does not own a yacht or a plane. (Reducing the amount you spend is the easiest way to make your money grow.)Many other billionaires have chosen to skip these luxury items.
Warren Buffett also avoids these lavish material items, stating, "Most toys are just a pain in the neck."
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| Warren Buffett |
What We Can Learn
Some of the world's billionaires have frugal tendencies. Perhaps this thrifty nature even helped them make some of their money. Regardless, they have chosen to avoid some unnecessary spending (at least on their scale) and the 6,864,605,142 non-billionaires out there can follow suit, eliminating excessive, keep-up-with-the-Jones style spending. No matter what a person's income bracket is, most can usually find a way to cut back on frivolous spending, just like a few frugal billionaires.http://finance.yahoo.com/banking-budgeting/article/110550/tips-from-frugal-billionaires?mod=bb-budgeting
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Monday, August 2, 2010
Lucio Tan
Although some of us knew Lucio Tan got involved in various controversies as in the case of tax evasion, having a lot of children in different wives, and having close friends in politics like former Philippine Presidents Marcos and Estrada, he is still another epitome of success.
Let’s look another rags to riches entrepreneur story as we witness the success story of Dr. Lucio Tan.
Lucio Tan was born on July 17, 1934 in China’s Fujian province. His family moved to Philippines, in Naga, where he was a child. He worked his way through college studying Chemistry in Far Eastern University but quit before graduating, set up a business that deals with scrap in the late 1950s and and later on found a job in a tobacco factory where he was tasked to buy leaf tobacco in the Ilocos provinces.
Because of this experience, Lucio Tan started his own cigarette company named Fortune Tobacco in 1966. It was also during this time when his close friend Ferdinand Marcos was newly elected as President. The tobacco business was a success and it expanded introducing a budget brand ‘Hope’ in 1975. By year 1980, Fortune Tobacco was the Philippines’ largest cigarette manufacturer.
In 1977, Lucio Tan acquired from the Philippine Government the then bankrupt bank General Bank and Trust Co. (Genbank) for only P500,000 which was described by many as a sweetheart deal. It was later renamed to Allied Bank.
In 1982, Lucio Tan established and put up Asia Brewery where he used to his benefit, the Marcos ruling that lifted the ban on the establishment of new beer companies. Back then, it was the only brewery allowed to compete with the market leader San Miguel Corp.
In 1993, Lucio Tan secured control of the country’s airline carrier Philippine Air Lines (PAL).
While a lot of articles say that Lucio Tan benefited a lot from tax concessions and privileges that the Marcos Regime gave to him in exchange for a rumored 60% on all his shareholdings, on December 7, 2007, the Philippine Supreme Court affirmed the decision dismissing the state’s sequestration of Lucio Tan’s companies. The court’s decision says that “there can be no question that indeed, petitioner’s orders of sequestration are void and have no legal effect.”
Today, Lucio Tan is still one of the richest person in the Philippines ranking him as second to Henry Sy last year 2008 with a total asset of %1.5 Billion. His Lucio Tan Group of Companies now owns several industries that includes liquor (Tanduay Holdings, Inc. and Asia Brewery), tobacco (Fortune Tobacco), aviation (Philippine Airlines), banking (Allied Bank and Philippine National Bank), real estate (Eton Properties Philippines), and education (Univerity of the East).
Source: huayinet.org
http://www.millionaireacts.com/919/lucio-tan-success-story.html
Henry Sy Success Story
This is another inspiring story as we witness his rags to riches story on how he built all SM Malls and became one of the biggest bankers enabling him to become the richest man in our country surpassing both Lucio Tan and the Ayalas.
Let’s learn and be inspired from another successful entrepreneur story as his daughter Teresita Sy-Coson narrates the story of his father’s success:
Our company, SM, as many of you may already know, came from the hard work of my dad, Henry Sy, Sr. It is a rags to riches story that even myself did not realize until I went to trace his roots in China.
His journey from the thatched hut I saw there to the shopping centers he has today is something that amazes even myself.
His determination, his discipline and his thriftiness have produced an astute and street smart businessman who has influenced a lot of people. Including us, his children.
My father’s perseverance during the different crises our country has gone through has made our active business pursuits possible for a half century. True, he was disappointed with the economy many times, but he never saw the reason to quit and instead pursued his goals relentlessly.
He had many obstacles – both external and internal – in his business, and there were times he could not understand why things had to be so complicated for him to pursue his business objectives.
It has been written – and I can attest that it is true – that Henry Sy started from the bottom.
He came to the Philippines at the young age of 12, and worked in his father’s small sari-sari store more than 12 hours everyday to help him. It was located on Echague St., which is now Carlos Palanca Sr. St. in Quiapo, Manila. There, he devised ways to increase his income by developing small portions of products – much like the sachets we see today in the supermarkets.
He was able to make multiple sales in order to make extra income, spending so much time in the store that he had no time to go out and play with friends in the neighborhood. It did not take a long time for him to realize, however, that he can only do so much in a sari-sari store environment.
WWII came and the sari-sari store was looted and burned. He did a lot of buying and selling of odd things during the war to enable the family to survive.
This must have provided him the hands-on training for his stamina in business. At one time, he was hit by shrapnel while selling, and quite fortunately was brought to the hospital by his good friend in a kariton.
Without that friend, he could have bled to death. He treasured that friendship and later expressed his gratitude after the war by making that friend his partner in a shoe store. The partnership lasted for more than 40 years until the shoe store had to give away to the building renovations of the lessor.
After the war ended in 1945, he ventured into selling American shoes imported by enterprising Gis.
He later saw the opportunities of opening a shoe store, and not long after he was managing three shoe store in partnership with friends.
With the pleasure of a growing family while at the same time pursuing studies at FEU in the early 50s, he sought more ways to augment his income.
He studied the market and decided to be different. While other young men went to the US to pursue a higher education, he went on a long business trip to the East Coast, and came home with a lot of merchandising ideas.
For a time, he was selling a lot of shoes, accessories, and leather goods, hoping to change the way shoe manufacturers look at the industry.
Sensing a lot of opportunities, he decided to open SHOE MART – “SM” – the first air-conditioned shoe store that merchandised shoes in a very inviting and classy format. With the success of that store, he went on to open more shoe stores, but he could not get enough suppliers.
Many shoe manufacturers at that time could not understand why they had to listen to this shoe retailer who had very definite ideas on what he wanted to sell. They did not cooperate by providing him with the volume he needed, and because of that limitation, he gradually shifted to apparel – and thereafter other merchandise – with the help of my mother.
He was continuously learning from his customers, suppliers, and employees. This on-the-job research gave him enough confidence to expand to a department store chain. Many things in life grow out of needs, and to meet the needs, you become determined. With determination you will take extra challenges and do things differently – which will most likely bring success.
We opened our first department store in 1972, two months after Martial Law was declared. The business had a slow start, but progressed steadily. During the Martial Law years, he continued to open more department stores, reaching a point wherein he could not get space he needed in the existing shopping centers during that time. He then decided think long term, and invest in properties for malls, which were patterned after suburban shopping centers, which he had been studying for some time.
When we started the construction of our first mall in 1983, the Philippines was in the midst of a debt moratorium and experienced hyper inflation. The economy decline was further aggravated by the assassination of Ninoy Aquino. Many bankers predicted our demise because my dad came from nowhere – he may had a few department stores and shoe stores at that time, but he was not one of the financial heavy-weights at that time.
Unaffected by criticism, and armed with sheer determination and optimism, he persisted and opened in 1985 with our department store and supermarket and a few tenants. Many potential lessees were saying no to lease offers.
At about the same time, given the social unrest of the times, our own Shoemart Makati was faced with ugly strikes. He almost gave up, but through the encouragement of his employees and customers, he continued. At that time, he decided emotionally draining disturbances should not overpower him or detract him from his goals. Since that time, he has not faltered in his confidence, and became even more determined to continue the business. He also convinced everyone of us in the organization to follow his optimism.
Later, we expanded, slowly building malls at that time to get our formula right. The expansion was not without difficulties. When constructing Sta. Mesa and Megamall, we were faced with delays in construction due to cement shortages and the 1989 coups.
When the 1997 Asian crisis came, we were planning our mall expansion, including the Mall of Asia, which was then envisioned to be the biggest mall in the region.
Because my dad felt the tsunami-like effects of the region wide crisis, which was unlike any other he had experienced, we had to change plans. We deferred opening the Mall of Asia, and went on with the opening of other malls.
We grew in numbers instead of size, serving different smaller markets. We have also expanded our retail business beyond department stores to include supermarkets, hardware stores, appliance superstores, and other retail formats.
At about the same time, we looked into the banking business – both at our bank and at the industry. At the time, our main bank, Banco de Oro was a medium sized bank. Because we were quite conservative in lending, the deluge of bad loans that characterized the times did not affect us. Given that, we thought it was an opportune time to grow amidst some instabilities. We reorganized and strengthened our organizations for about three years and developed growth strategies that started in the year 2000.
Encouraged by the consolidation program of Central Bank of the Philippines (BSP) in making Philippine banks more competitive relative to the region, Banco De Oro made few acquisitions because of the moratorium on banking. It acquired the Dao Heng Philippines branch, the First eBank, the Banco Santander Philippines branch, the United Overseas Bank branches, and most recently – Equitable PCI Bank.
Opportunity is where you find it, not where it finds you. Crisis and weakness indicate one can look for opportunities. Transforming problems into opportunities can bring good returns. Prosperity and growth come only to a business that systematically exploits its potentials and systematically optimizes its performances.
Our business – especially that of shopping centers is a long term business. It takes at least eight years to pay back. We feel that the country will always be around, and with Filipinos’ love for shopping, there will always be customers we can sell to.
We also have to continuously innovate. Our other retail formats like supermarkets, hardware stores, appliance stores, home stores, toy superstores, baby stores, and Watsons are continuously evolving with the shopping habits of our customers. Because they frequently visit the store, we make sure we have new products all the time so that their shopping experience will not be boring.
Our group’s policy is to look for opportunities at all times, and to be ready to act when it comes. While crises may have brought opportunities, we continue our plans in good or bad times with some changes to suit our demands of the time.
May Henry Sy’s success rubs off to us as well. As a final note, I would like to leave this quote from Henry Sy: ““There is no such thing as overnight success or easy money. If you fail, do not be discouraged; try again. When you do well, do not change your ways. Success is not just good luck: it is a combination of hard work, good credit standing, opportunity, readiness and timing. Success will not last if you do not take care of it.”
http://www.millionaireacts.com/676/henry-sy-success-story.html
Sunday, August 1, 2010
Fictional character biography
(Samuel Sterns) is a fictional character that appears in comic books published by Marvel Comics. The character first appeared in Tales to Astonish #62,[1] and was created by Stan Lee and Steve Ditko. In 2009, The Leader was ranked as IGN's 63rd Greatest Comic Book Villain of All Time.[2]
Actor Tim Blake Nelson portrays Dr. Samuel Sterns in the 2008 superhero film.
Born Samuel Sterns in Boise, Idaho, he worked for a chemical plant there in a menial capacity. While moving radioactive materials into an underground storage area, some of the radioactive materials exploded, bombarding Sterns with gamma radiation. He recovered, and found that the radiation had changed him from an ordinary human into a green-skinned, super-intelligent entity with an oversized brain housed in a towering cranium. As was the case with most individuals mutated by Gamma radiation early-on, the particular set of characteristics Sterns acquired by exposure to it were said to result from a subconscious desire; in his case, the desire to be as smart as his brother Philip, who was a physicist in the employ of the same facility. Calling himself the Leader, Sterns embarked on various ambitious criminal schemes, with the Hulk as his primary nemesis, consistently backed by a self-constructed army of super-strong, virtually invulnerable plastic Humanoids. These included an attempt to rewrite the Earth's history by infecting the primordial ooze with gamma radiation in order to recreate society in his image, with himself as its ruler.[volume & issue needed]
http://upload.wikimedia.org/wikipedia/en/2/29/Leaderhulk.PNG
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