The "Message"... (Wages/// Linear Income///No Work-No Pay///) (Profit/// Residual Income,,, The Money Overflows/// Even Wherever and Whatever You Do) Aim High Official "Alliance in Motion Global"... Take time to read this aimers... Why We Have Money Problems...(MUST-READ!) Kasu-suweldo pa lang, ubos na?… Kuntento ka na ba sa buhay mo?… Ang tagal mo na sa trabaho, wala ka pa ‘ring asenso… Ang baba na ng sweldo, pataas nang pataas pa ang bilihin… Mahina na ang benta, mababa pa ang productivity… Humihingi pa ng dagdag na sweldo ang mga tao mo?… Credit card maxed out… ATM card on pawn, passport on pawn… Lifetime savings, na-scam… May pag-asa pa ba tayo? Sounds familiar? Well, these are some common complaints and rants of Filipinos today—from the urban streets of Makati and Ortigas, farther up the mountains of the Cordilleras, as well as our beloved OFWs abroad. In other words, financial crunch is felt not only in the cities but also in our suburbs. Some would say it’s an international trend, because even in Europe and the U.S., news about bankruptcies is becoming more common. Think about this… Many people want to be rich, but not all people are rich. Halos lahat ng tao ay gustong yumaman; bakit hindi lahat ng tao ay mayaman? Why are there a lot of people working just to pay their debts? Bakit maraming tao ang nagta-trabaho para lang magbayad ng utang? Why are there a lot of people who receive high salaries, but these are not enough? Bakit maraming tao, mataas naman ang sweldo, kulang pa rin? Do you know that an employee who is financially troubled is unfocused on his work? He is open to the temptation of moonlighting, stealing, bribery? He is suffering from low self-esteem and, definitely, he becomes a liability to the company he is working for. Do you know the reason why a lot of people are asking for a higher salary? Why people are forced to borrow and commit wrongdoings? The ready answer for many people is POVERTY. Kulang daw sa pera. Ang hirap ng buhay! However, my belief is that our problem is not poverty. Our problem is our inability to unleash the highest potential of our money. “Kasu-suweldo pa lang, ubos na! Nangyayari ba sa inyo ‘yan?”, tanung ng motivational speaker. “Sir, hindi po nangyayari sa amin ‘yan. Ang nangyayari sa amin, hindi pa sumusuweldo, ubos na.” sagot naman ng isang participant. Everybody laughed! This situation is even worse! Another person said, “Sir, hindi ko po problema ang suweldo kasi mayroon naman po akong credit card. Ang problema lang, ang credit card ko maxed out!” Another one said, “Kapag payday, naka-leave. Ang dami kasing nag-aabang na maniningil!” They opted not to report for work during payday so they can escape paying their obligations. Some even resort to “ATM Card on Pawn.” Yes, you read that right! It is now rampant among a lot of employees. Most of them borrow money from lenders at 10% interest a month! Since they do not have collateral, they surrender their ATM card as their collateral. When payday comes, the lender will withdraw the loaned amount borrowed plus the agreed interest. Maraming Pilipino ang nalulubog sa utang ng dahil dito! In other countries, similar practice is being done. They call it “Passport on Pawn,” where passports are used as collaterals. They borrow money with high interest from fellow Filipinos and the lender will keep their passports until they are fully paid. It is indeed a sad reality! Some people still fall victims to pyramiding scams. Even the elderly are not spared. Their retirement pay and lifetime savings are scammed. We are not talking about hundreds here, but thousands and thousands, even millions of pesos! These are just some of the sad realities that are happening in the lives of our countrymen. So then, why do Filipinos continually have problems with money? 1. Lack of Knowledge. Many people experience a lot of financial difficulties simply because they do not know what to do. They wonder why rich people become richer and richer and poor people become poorer and poorer. Alamin ang tamang paraan ng paghawak ng pera. You must seek to have more and more knowledge in handling your finances. 2. Lack of Action. Maraming tao, alam naman kung ano ang tama, pero hindi ginagawa. A lot of people know the right thing to do and yet they do not do it. You need to remember this: The power is unleashed once the knowledge is applied. Knowledge needs to be backed up with action in order to produce power. Without action, knowledge will be futile. Gawin at i-apply ang natutunan. 3. Lack of Consistency. You need to sow continuously to reap continuously! Consistency is the key to financial blessings. Follow and do the principles that you learned daily. It is very important that you do the right thing every day. Indeed, the key to your financial future is in your daily routine! Follow this series consistently, apply diligently, and experience a life of financial success, happiness, and significance! Alamin… Gawin… Araw-Araw! The Bible also tells us an important lesson about consistency in Galatians 6:9, “Let us not become weary in doing good, for at the proper time, we will reap a harvest if we do not give up.”
Posted on: Wed, 19 Jun 2013 08:44:48 +0000
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