time really flies.....

it's almost the end of the month again.... time really flies when you are busy.... it's seems like yesterday when i was just planning to work overseas.....

it's been 9 long years again... ever since i decided to seek a greener pasture again, it was after staying for 2 years working on a local company back home.... and here am tinkering again....

it just like yesterday when i came back from my vacation... and looking back its been 5 months since.... it was just like yesterday when people are scampering trying to secure their bank accounts and other valuables yo they will not be a victim of the so called Y2K bug......

time really flies.... 3 months of 2008 is almost finished.... what lies tomorrow???? we'll see....

cracked pot.....

i got this in one of my e-mails. in my humble opinion this simple story can vividly shows the many things and people that we tends to ignore everyday, the many simple things and people that makes great contributions but are overlooked and taken for granted by many.....

A water bearer in China had two large pots, each hung on the ends of a pole which he carried across his neck. One of the pots had a crack in it, while the other pot was perfect and always delivered a full portion of water. At the end of the long walk from the stream to the house, the cracked pot arrived only half full. For a full two years this went on daily, with the bearer delivering only one and a half pots full of water to his house. Of course, the perfect pot was proud of its accomplishments, perfect for which it was made. But the poor cracked pot was ashamed of it's own imperfection. And miserable that it was able to accomplish only half of what it had been made to do.

After two years of what it perceived to be a bitter failure, it spoke to the water bearer one day by the stream. "I am ashamed of myself, and I want to apologize to you. I have been able to deliver only half my load because this crack in my side causes water to leak out all the way back to your house. Because of my flaws, you have to do all of this work, and you don't get full value from your efforts," the pot said.

The bearer said to the pot, "Did you notice that there weref lowers only on your side of the path, but not on the other pot's side? That's because I have always known about your flaw. So Iplanted flower seeds on your side of the path, and every day while we walk back, you've watered them. For two years I have been able to pick these beautiful flowers to decorate the table. Without you being just the way you are, there would not be this beauty to grace the house?

Moral: Each of us has our own unique flaws. We're all crackedpots. But it's the cracks and flaws we each have that make ourlives together so very interesting and rewarding. You've just gotto take each person for what they are, and look for the good in them. Blessed are the flexible, for they shall not be bent outof shape. Remember to appreciate all the different people in your life.

weekends...

it's almost weekend here once again.... everybody look forward to he weekend to be able to get away from the tension of your daily routine either at the school, or the work place and spend some quality time with your family or loved ones...

for some family who can afford it it is usually the time to dine out, watch the movies, stroll in the park, do a bit of shopping...

but how about those people who struggles on a hand to mouth existence??? ever wonder how they spend their weekends???

an eye opener....

i got this eye opening and inspiring message from my e-mail and has been tinkering a lot about it so am posting it here....

----------------------
THE BASICS OF CASH FLOW

There are those who e-mailed me asking about the basics of cash flow.
I'm really sorry that I assumed everybody already understands it. Anyway, by demand here it goes.

The basic is. What pattern do you see if you will get a P100.00 bill and monitor where and how it is transferred from 1 possessor to the other? How does it flow? The pattern for a typical Pinoy is.

You earn from your work, you spend it on food, gadgets, clothing and other basic needs. Before you reach the next payday, paubos na yung pera mo. But that's ok payday is just a few days ahead and it doesn't matter if I run out of money, I am expecting money again any time soon.

This cycle goes on and on and you make some sidelines or create other ways to earn but it seems that money was never enough. (I am tempted to explain further pero usapan. (basics lang).

So you can't leave the job that you have because a week without work would affect the cash flow you have to support your family and needs. As much as you wanted to accept another job, the gap would make you pay less for a couple of days, which makes you a slave to your boss.

At least, you have a job to support your needs.

So to illustrate, Cash is flowing inside your pocket.

Years have gone by doing your monotonous routine.

Question. What if you get fired? Or you were forced to retire because there are new and younger people ready to take your place. What would you do?

As an OFW, Makati Executive, Top Salesman, Engineer, Attorney, Teacher, etc. What if it all ends? The sweet cash that enters your pocket every 15th and 30th suddenly comes to a halt.

There are two things you can buy with your money. An asset and a liability. To describe each... An asset brings money inside your pocket; a liability takes money out of your pocket. Another way to see, it is that an asset if you buy one, will bring the money you spent for it back to you 2 or 3 folds. A liability, when you buy it will not give your money back at all.

Sa ilocano. idjay ti kwa. djak maawatan. (joke lang po, seryoso na kayo eh.)Sa madaling salita. Kapag asset, maibabalik ang pera , pag liability, goodbye sa pera.

Ang problema kay JUAN DE LA CRUZ, habang may trabaho ipon ng ipon at bili ng bili ng liability!

I have seen OFWs get back to the country with gold chains at kung pwede lang limang shades ang isuot ng sabay-sabay gagawin nya eh. dvd, component, jackets, clothes, inuman, pulutan, party, pabango. hindi na makalakad sa dami ng bitbit.

At s'yempre mga empleyado natin dito sa bansa na lingo-lingo bago cell phone at mags ng kotse.. hindi na nga magkasya ang damit sa aparador, tapos pag umaga sasabihin.. wala na akong maisuot.

Guys, esep-esep. what you bought.. will it bring money back to you? I know what you have in mind. you have to enjoy what you worked hard for. That's right, but think of something that will last. think of your future.

I have seen the worst of people who were abogado de kampanilya, executive secretaries of top rank business men, people who worked for big companies, earned a fortune and got a big retirement pay by the millions. Now.. Wala na.

Why? Because of their cash flow. went in. went out.

I need not to mention basketball players, actors, singers, etc. Check what is their career path. Next after acting, singing and playing. POLITICS. Kasi, 'yung million na kinita nila, puro liability ang binili.

Going back. all the liability they bought, ibinenta ng mura! I'm wearing a gold chain now, which I got from a seaman. he bought it for P35,000 and sold it for 8,000 to me. Hindi po asset ang alahas! Bakit? Totoo na tumataas ang value n'ya pero kapag gutom ka na, kahit palugi ibebenta mo! (wala bang aaray?) Cell phones. dvd players etc. pati bahay at kotse.that's the cash flow of most OFWs.

The question is .. "WHAT IF THE INCOME STOPS?"

Sa Pinoy, ganito: anak. mag-aral kang maigi, at pag tanda namin. ikaw na bahala sa amin ha.. Hindi po ba maling-mali.

You have to establish something today that will take care of your future.

Teka, teka. eh ano ang dapat gawin para hindi mangyari yan?

You must create a source of income that will continually make money flow inside your pocket. Start a business! While you are working as an executive or an OFW, or a professional. START A BUSINESS and MASTER that business till you get out of that company.. Para kapag tumigil ang income mo sa kanila. may susuporta pa din sa iyo hanggang pag-tanda
mo!

Now don't tell me to invest my money on pensions and plans. NO WAY! Narinig n'yo na siguro yung .. Naku ayaw ko na magbanggit.. 'yung mga nagbayad at hindi nakapag-claim. sila pa ang dinimanda at nag-piyansa!!! HUWAG MO I-ASA ANG PAGTANDA MO SA IBA! GUMAWA KA NG SARILI MONG BALON NG PERA! KAHIT MALIIT PA 'YAN, SARILI MO AT HINDI KA AASA SA IBANG TAO.

Imagine yourself when you reach an older age. (aruy ko,,, baka yung iba sa inyo about that age. tabi tabi po.Ako po sa mga nagtatanong. I'm 37 years old.

Naabutan ko pa si Michael Jackson at hinele po ako ng nanay ko sa mga kanta ng hagibis.). You have money that the company gave you as your retirement pay. What will you do?

You can consume the money till your old. eh kung hindi umabot? Masamang damo ka pala. at hindi ka kaagad kinuha ni Lord. Eh pang age 65 lang yung naipon mo na budget.

Or maybe, you can start a business and use the money for capital. Kapatid. 9 out of 10 businesses, FAILED. yung isang magsa-succeed, gagayahin pa ng kapitbahay mo instead na mag-franchise sa 'yo. think! At age 50, you are struggling trying to make a business work! What if it fails?!

Eh ano nga ba ang sagot?

The answer is, stop buying liabilities and instead buy assets now. I don't care if it is a banana-Q store, balot, ice candy or a sari-sari store, etc. start now! Because, your experience here will teach you what to do in the future. It's so hard to struggle in business when you are 60 yrs old.

You have to create a source of income separated from the source of income from your work. That when the time comes that you have to stop working, you will have your own source of money! Create assets, start a business that will be there to support you and your family. I AM NOT TELLING YOU TO QUIT YOUR JOB! I'm telling you to start a business while you're working and stop spending your money on liabilities and start putting them on assets!

Ang pera kapag pinambili mo ng LIABILITY. hindi na babalik. ang ASSET.
BABALIK.

Teka. masama ba bumili ng mga magagandang gamit? Hindi! Siguraduhin mo lang na ang pambili mo nun ay galing sa asset mo. The business has to be prioritized! Mawalan ka man ng trabaho, may negosyo kang palalaguin.

If before, nabubuhay ka naman ng iisa sapatos mo, huwag mo baguhin 'yun. dati, nagdyi-jeep ka lang. 'wag ka na munang mag-FX.

Create assets and lessen liabilities. Invest and learn now. mag-negosyo!

Eh anong negosyo? Any, as long as you think it is work and doable! I am still looking for partners for my HOME MASSAGE SERVICE! SPA MAGIC! And my business CAR MAGIC is still franchising. (joke lang . baka sabihin nyo nag pro-promote lang ako eh.But I AM PROUD TO SAY THAT ALL MY BUSINESSES ARE ORIGINAL AND ALL ARE GRAND ASSETS!

I started all my businesses with a very small capital. If I used that money to buy a gadget, new shoes or any liability. baka wala lahat ng negosyo ko at wala na akong makain ngayon.

Again, I hope that this BASIC CASH FLOW article helps.. I wish all of us become financially free!

FROM UNKNOWN AUTHOR
PAKIPASA.
MAGANDANG EYE-OPENER `TO!!!

just a thought...

it's just another day.... so it seems.... met my German neighbor and heard his most famous line.... "another day another million" though to date i still try to grasp what he meant by that but i got accustomed to that already....

it's still quite early so might as well keep my options open for the day... and see what the day has to offer for me....

i sure hope and pray it's something nice....