| Subject: BAKA YUMAMAN KAYO RITO |
Author:
mikaela
| [ Next Thread |
Previous Thread |
Next Message |
Previous Message
]
Date Posted: 08:45:26 09/10/04 Fri
Author Host/IP: 210.213.129.248.pldt.net/210.213.129.248
PINAGTYAGAAN KONG BASAHIN TO MGA FRIENDS AND NOW I AM EARNING P40,000 A WEEK. KAILANGAN KO LANG PALA NG KONTING MOTIVATION. NAKAKATUWA NGA KASI PATI MGA FRIENDS KO MAS MALAKI PA YATA ANG KITA SA AKIN DAHIL PINABASA KO ITO... MEDYO MAHABA PERO PAG TYAGAAN NIYO...MALAY MO DITO KA YUMAMAN.
THE IRONY OF MY LIFE
(…maybe yours, too)
This is not a fund-raising stuff or a laughing matter or a gospel or just another thing you find along the streets. I believe this is one of its kind because I made this all by myself with my own computer and printer and I just want to tell you my story. However, nothing, really, is special. This might just another thing to inspire you subtly or in great terms.
I am just another employee working for a “big” company in comfortable city and a graduate from a “big” school. “How pathetic!” you may exclaim… but let’s be fair.
excerpts from “RICH DAD, POOR DAD”
My poor dad always said, "I'll never be rich." And that prophesy became reality. My rich dad, on the other hand, always referred to himself as rich. He would say things like, "I'm a rich man, and rich people don't do this." Even when he was flat broke after a major financial setback, he continued to refer to himself as a rich man.He would cover himself by saying, "There is a difference between being poor and being broke. - Broke is temporary, and poor is eternal."
I noticed that my poor dad was poor not because of the amount of money he earned, which was significant, but because of his thoughts and actions. The other encouraged me to study to be rich, to understand how money works and to learn how to have it work for me. "I don't work for money!" were words he would repeat over and over, "Money works for me!"
"The main cause of poverty or financial struggle is fear and ignorance, not the economy or the government or the rich. It's selfinflicted fear and ignorance that keeps people trapped. So you boys go to school and get your college degrees. I'll teach you how to stay out of the trap."
One dad taught me how to write an impressive resume so I could find a good job. The other taught me how to write strong business and financial plans so I could create jobs.
One said, "When it comes to money, play it safe, don't take risks." The other said, "Learn to manage risk." The other believed in total financial self-reliance. He spoke out against the "entitlement" mentality and how it was creating weak and financially needy people. He was emphatic about being financially competent.
The rich dad would say, "The love of money is the root of all evil."
The other, "The lack of money is the root of all evil."
I was surfing the internet and these excerpts caught me very much. These are from “RICH DAD, POOR DAD” by Robert Kayosaki. It’s a best-seller and well written. I have never bought a single book since the dawn of Kazaa and E-book. You may read between the lines how I got a copy. Although it had been inside my drive for 7 months, I only happened to read it 6 months after. Now my views are different.
“Go to school, study hard and get good grades uhmmm…to get good jobs” is what we always hear from our parents. It’s an old rule. What really is the purpose of “getting a good job”? Most likely - to earn money. Perhaps, it’s security but it still boils down to money. Nobody, nowadays, work for free but a “lot of them” are paid less. I am an engineering graduate from a “big” engineering school. After I got my license, in two weeks time, I was already working “for” a “very big” engineering firm. Needless to say, it was a great start for my career. The pay was “much better” than most of the newly graduates could bargain for, hence I thought, because it’s 40% higher than the minimum wage and on my first-two-month salaries, I assumed it would be nearly enough to pay the rent, telephone bills, electric consumption, transportation and meal (of course I had to eat).
“Because students leave school without financial skills, millions of educated people pursue their profession successfully, but later find themselves struggling financially. They work harder, but don't get ahead. What is missing from their education is not how to make money, but how to spend money-
what to do after you make it. It's called financial aptitude-what you do with the money once you make it, how to keep people from taking it from you, how long you keep it, and how hard that money works for you. Most people cannot tell why they struggle financially because they don't understand cash flow. A person can be highly educated, professionally successful and financially illiterate. These people often work harder than they need to because they learned how to work hard, but not how to have their money work for them.”
Perhaps I had been a “big spender” all along that’s why I was still broke on the third month. Then finally, the following months, I had been able to save by avoiding fast foods and fine-dining, taxi or even FX, Glorietta and resorting to e-loads, not to forget maximizing my “overtimes”. At long last, I could afford now that infamous cellphone-and-pda-in-one, XDA 02 II, I said to myself.
My rich dad said “Most people fail to realize that in life, it's not how much money you make, it's how much money you keep”
ASSETS AND LIABILITIES.
Rule One. You must know the difference between an asset and a liability, and buy assets. If you want to be rich, this is all you need to know. It is Rule No. 1. It is the only rule. This may sound absurdly simple, but most people have no idea how profound this rule is. Most people struggle financially because they do not know the difference between an asset and a liability.
"Rich people acquire assets. The poor and middle class acquire liabilities, but they think they are assets"
I felt seeing 5-digit amount in my ATM was worth all the sacrifices until I got sick on my 8th working-month. The doctor fees and the laboratory exams left my bank account empty. I don’t want to push myself to go further on the surgeon’s fee since the doctor’s advised me to have me done in surgical means. I was on leave for one month, and yes you got it right, -- without pay. It was a physical relief but my pocket was aching in “debt” which I had just computed, would consume my three-and-one-half month full salary. Ohh!!! I forgot the deductions --- taxes, SSS, PAG-IBIG, Philhealth. That would take me 5 months instead of 3. Then I realized what the Starstruck Avengers or SCQ losers felt, the life still had to move on - definitely, perhaps, indefinitely. I started to work again for too many reasons like---- passion for my chosen field, losing my job, etc…and more importantly, paying my debt. I should probably have paid my debts in 5 months coming, innuendoes plus some simple arithmetics told me. I felt trapped. Knock on the wood but what if, I would be required, unexpectedly, another surgery again on the 6th month coming. Who holds the future? It was an insurmountable fear. What if I would have another medical issue or worse in less than 5 months? Where would I get the money? I am not born rich, I’d say, a little below the middle class. Probably lower. It’s “sad” but “true”. Had I have more money, I wouldn’t be in so-much predicaments as I am having now. I pondered.
My rich dad said “I want you always to think of the donkey. Never forget, because your two emotions - fear and desire, can lead you into life's biggest trap, if you're not aware of them controlling your thinking. To spend your life living in fear, never exploring your dreams, is cruel. To work hard for money, thinking that money will buy you things that will make you happy is also cruel. To wake up in the middle of the night terrified about paying bills is a horrible way to live. To live a life dictated by the size of a paycheck is not really a life.
Thinking that a job will make you feel secure is lying to yourself. That's cruel, and that's the trap I want you to avoid, if possible. I've seen how money runs people's lives. Don't let that happen to you. Please don't let money run your life."
With so much predicaments in minds, I started planning on how I would be able to make money. I want to consider the advice my friend to take a graduate study or a master’s degree. It takes 2 years, at least, to complete the course. This would surely escalate my paycheck and then I could see a brighter future. It was a great advice. My parents were ready to support me financially.
After spending 4 hours reading R. Kayosaki’s renowned best-selling piece, I am now left with dilemma, or should I say more than just dozens of questions. Is spending half of my life in school enough to make me, uhmm not really rich, but stable and secure? I made good grades since elementary and, I was consistently an honor student. I had my fair share of scholarships in college. As a child, I was thought that to be “rich” (“secure” is more appropriate but I don’t think a 7-year old would get an easy time buying such term), one has to take “good” education seriously, go to a “good” college choose a “good” degree. I am now a graduate and a board-passer, and lucky me, I am just right on time for a weekly unparalleled oil-price hike, political chaos, absurd TV network battles, demands for thousands of caregivers and nurses ( I am an engineer, please bear in mind ), pricey foods and most of all, choosy taxi drivers. Where did I go wrong? Are those 15 grueling school years not enough? Perhaps another 3 years in school would free me from worries. But I know plenty of people holding PhD’s still struggling financially.
The rich dad said "Look, school is very, very important. You go to school to learn a skill or profession so as to be a contributing member of society. Every culture needs teachers, doctors, mechanics, artists, cooks, business people, police officers, firefighters, soldiers. Schools train them so our culture can thrive and flourish,". He continued "Unfortunately, for many people, school is the end, not the beginning."
Our current educational system focuses on preparing today's youth to get good jobs by developing scholastic skills. Their lives will revolve around their wages, or as described earlier, their income column. And after developing scholastic skills, they go on to higher levels of schooling to enhance their professional abilities. They study to become engineers, scientists, cooks, police officers, artists, writers and so on. These professional skills allow them to enter the workforce and work for money. There is a big difference between your profession and your business. Often I ask people, "What is your business?" And they will say, "Oh I'm a banker." Then I ask them if they own the bank? And they usually respond. "No, I work there."
Financial struggle is often directly the result of people working all their life for someone else. Many people will have nothing at the end of their working days.
I still don’t know everything, I must admit but I am learning. In an average company, to wait a promotion is just another Haley’s comet passing earth’s sight, so is the pay increase. With the economic predicaments, we have to understand the company. Somebody may call me and correct me if am wrong. It passed, one time, of chasing for another company to work for. I am now in one of “best firms” in the country and it’s too risky because the odds of landing in lesser good company is picking a good politician. So I preferred to stay.
"If the fear of not having enough money arises, instead of immediately running out to get a job so they can earn a few bucks to kill the fear, they instead might ask themselves this question. `Will a job be the best solution to this fear over the long run?' In my opinion, the answer is `no.' Especially when you look over a person's lifetime. A job is really a short-term solution to a long-term problem."
R. Kayosaki said it was always in the business.
The secret is: "Mind your own business”.To become financially secure, a person needs to mind their own business. Your business revolves around your asset column, as opposed to your income column. As stated earlier, the No. 1 rule is to know the difference between an asset and a liability, and to buy assets. The rich focus on their asset columns while everyone else focuses on their income statements.
My highly educated dad always encouraged me to seek a good job with a strong corporation. He spoke of the virtues of "working your way up the corporate ladder." He didn't understand that, by relying solely on a aycheck from a corporate employer, I would be a docile cow ready for milking. When I told my rich dad of my father's advice, he only chuckled. "Why not own the ladder?" was all he said.
Everybody knows that well-managed businesses generates income. There are businesses we can call “IN” these days such as computer shops, restaurant, franchises and KTVs and a lot more but the capital to lift them off starts with hundred of thousands of pesos to millions. Easy, if you have already cash of that amount but I am just an employee (with a degree), I am still in my 5-month predicament of paying my debts, so I ask “how do I start?”
My rich dad says “So in response to the question "How do start?" I offer the thought process I go through on a day-by-day basis. It really is easy to find great deals. I promise you that. It's just like riding a bike. After a little wobbling, it's a piece of cake. But when it comes to money, it's the determination to get through the wobbling that's a personal thing. To find million-dollar "deals of a lifetime" requires us to call on our financial genius. I believe that each of us has a financial genius within us. The problem is, our financial genius lies asleep, waiting to be called upon. It lies asleep because our culture has educated us into believing that the love of money is the root of all evil. It has encouraged us to learn a profession so we can work for money, but failed to teach us how to have money work for us. It taught us not to worry about our financial future, our company or the government would take care of us when our working days are over. However, it is our children, educated in the same school system, who will end up paying for it. The message is still to work hard, earn money and spend it, and when we run short, we can always borrow more.
I am running out of space .The book has 120 pages, at least in e-book, and it’s only 366 kilobytes. If you want to read the whole book you can e-mail me and I’ll send it for 200 pesos. Now I can sense you frowning. I am just kidding. I will give it to you for free just send me an e-mail. I had this for free so I don’t think there are any legal liabilities waiting for me. I just want all of us to have better lives.
I cannot just conclude that’s everything is coincidental: to have read this book , to have watched Oprah’s episode about how to make millions and to have attended a SEMINAR about financial security but these all happened in the same week I was sick and financially distressed. It may not be so but this definitely changed my views. I can say I represent thousands of people now who are, a degree-holder, employed in a good company, passionate about the chosen field, in need of security and most of all…CHASING BIG DREAMS!
I am running out of space. Uhmm I am not yet making a lot of money but I believe I am starting a new life, better life. I suggest you to attend the seminar which I had just attended. What inspires me most are these people having great deals of their lives. People who were stigmatized by the society but now they are living a secured life. How ironic but it’s true. And, of course, they are happy. Something must already be running on your mind but we are always given choices. Some choose the lesser-traveled road.
Years ago, Alexander Graham Bell. Bell had just patented his telephone, and was having growing pains because the demand for his new invention was so strong. Needing a bigger company, he then went to the giant at that time, Western Union, and asked them if they would buy his patent and his tiny company. He wanted $100,000 for the whole package. The president of Western Union scoffed at him and turned him down, saying the price was ridiculous. The rest is history. A multi-billion-dollar industry emerged, and AT&T was born.
Thank you for reading!!! I hope to hear your reply soon.
Just like a conventional reading comprehensions, there are some questions I’d like you to, not necessarily, answer, but ponder…to think about.
1) How do you see your life after 5 years?
2) After 5 years you confidently see yourself having a secure high-paying job, driving a car of your own, happy and financially stable, then you don’t have to answer the next questions. But what if you have doubts on your future, what are your options?
3) Do you like following commands from a superior? From your boss?
4) Would you rather have your own business? Why?
5) Were you watching when Melanie Marquez replied “Period na talaga; wala nang exclamation point. (When asked on S-Files if her present husband, Adam Lawyer, is her Mr. Right.). ?
6) Do you know how to start a very good business with very good profit?
7) When do you want to start? Or have you started already?
8) Would you like to join Starstruck instead?
If you want to be financially struggling all your life, then you can ignore this.
BUT if you want to experience what i had experienced to change your life. Just text me or e-mail me and i'll set an schedule.
Again my e-mail is mandrakeghost2004@yahoo.com. Please let me know if you want your life change. My mobile number is (0920) 8422918. It’s (0920) 8422918. It’s a very good seminar and it’s FREE. Not so many good things are free these days. We can set schedules for you!!!
Ohhh..please don’t expect Mr. Robert Kayosaki to come. He's too expensive and I don’t know him personally.
[
Next Thread |
Previous Thread |
Next Message |
Previous Message
] |
|
Feedback: 