Bakit Hindi Nag-I-Invest Ang Mga Pilipino?

Read this photo from my Facebook News Feed. Its in my native language here in my country, Philippines. So for this blog, I will be just sharing this to my "Kababayans" (Countrymen).

This article is funny but TRUE. If you're experiencing the same thing, contact me at my Cel. Phone no. 09178667135 if you are GLOBE and 09228726216 if you use SUN (if you are from METRO MANILA). But if not, add me at my Skype acct: uhsmikesy . 

I'll show you a different "Wealth Map" , a different road you can take to get out of this as one of the world-renowned financial guru, Robert Kiyosaki says "RAT RACE".

Would be very glad to hear from you.

Twitter acct: mikesy888
Facebook Page: www.facebook.com/mikesy888

Financial Tips For a Better Future

The problem of people this days is that they don't save for the the rainy day.  Their is a thing called

"COMPOUND EFFECT"(by Darren Hardy).  What small amount you save today will grow to a

huge savings fund over a period of time.


I saw this quotation and I 100% agree with it.  It says "DO SOMETHING TODAY THAT YOUR 

FUTURE SELF WILL THANK YOU FOR."  At the end of the day, the "BEST" person that will

take good care of you when you grow old is not your family, not your relatives, not your friends and

not even the government.  It's "YOU".  It's "YOUR YOUNGER SELF".

Here are some "SAVINGS-REDUCER ACTIVITIES" you can "AVOID" to save some amount

everyday:

• Not having an expense-monitoring notebook
• Eating out at fine dining restaurants
• Betting on lotto or sweepstakes
• Gambling
• Paying interest and fees in their credit cards
• Lending money to others
• Buying "FUEL-DRINKING" vehicles
• Patronizing convenience stores
• Not having a "GROCERY LIST" before going to the grocery
• Buying a lot of "STUFF" you don't need
• Subscribing to magazines you don't read
• Enrolling in CLUB MEMBERSHIPS you don't plan to use
• Continuing unhealthy and expensive habits like alcohol and cigarettes
• Paying fees on your checking account
• Drinking costly beverages like coffee, milktea, etc

Here are also some EXCELLENT TIPS from Warren Buffet:

You need to PLAN YOUR FINANCES for your FUTURE. If you plan your travels, you should also 

plan your "FUTURE"

#SavingTips

#SuccessTips

#ShareIfYouCare

#FinancialPlanning

#WarrenBuffet

#DarrenHardy

Avoid the same mistake a lot of people have. Take charge of your life especially your health. ASSESS YOUR HEALTH NOW!!! and continue following my blog.

Why do we need Vitamins and Supplements Daily?

Why do we need vitamins and supplements daily?

 What are "free radicals"?

Every day we are exposed to constant barrage of free radicals. These free radicals can result from the following sources: stress, radiation from the sun, pollution, several toxins, and poor food choices. The free radicals are highly destructive molecules generated inside our bodies from several metabolic processes. Because they are missing an electron, they destroy healthy molecules by stealing their electrons and making them into free radicals too. This causes a chain reaction of damage to various parts of our cells. We cannot avoid these free radicals but we can neutralize their destructive action.

Is proper diet not enough?

A healthy diet helps protect our body from these free radicals. Food, particularly fruits and vegetables, supplies many type of antioxidants, which "donate" their extra electrons to neutralise free radicals. Eating  a variety of healthy food also gives our body the nutrients it needs to repair and regenerate damaged cells. But maintaining a healthy diet is difficult. Researchers believe that supplementary antioxidants are necessary for combating free radicals in addition to the body's normaldefense systems.To receive optimal amounts of vitamins and minerals daily, for example: 400IU of Vitamin E, you need to eat about 33lbs of spinach, 1.2lbs or sunflower seeds, 5.2lbs of wheat germ, 2.2lbs of almonds, or 1quart of safflower oil. These exaggerated amounts of food to obtain the optimal amount of Vitamin E is near impossibility and has to be done daily.


Should we take vitamins and supplements?

Taking vitamins and nutritional supplement does not have to replace a healthy diet. But proper supplementation can bridge the gap between what our body needs in optimal nutrition, and what most of us actually get from food.Research has shown that many people simple may not follow recommended guidelines for healthy eating. Fast-food and convenience-food consumption, snacking, and soft-drink use have all increased, and it has been shown that many people may not meet even the basic RDA's (Recommended Dietary Allowances) for key nutrition.Likewise, many children do not get the nutrition they need, and their poor nutrition can lead to health problems later in life. Poor nutrition during the developmental years can retard growth and delay sexual maturation, while proper nutrition at this age helps to give adolescents the foundation for good health for the rest of their lives. To provide their bodies with adequate amounts of all the essential nutrients, parents and their children should follow a well-balanced, proactive nutritional plan that includes high-quality vitamin and mineral supplementation.

To know more about the importance of antioxidants, check this link Why are antioxidants important? [infographic]

Simple Steps Where You Can Start To Retire Rich

Do you know people struggling after retirement? I DO. And they're a lot. According to National Statistics Office (NSO) Survey 1995 on people retiring at age 65 years old:

• 45% of retired depend on their relatives and families, 
• 30% depend on the government (SSS, PHILHEALTH, etc), 
• 23% will "STILL HAVE TO WORK OR DO BUSINESS" and only 
• 2% retire "FINANCIALLY INDEPENDENT". 

The question is: "Where do you want to be included?"

To be part of the 2%, here are some habits you need to develop:

1. Earn More NOW

You need to find ways to earn more. Don't stick with one source of income. Build multiple source of income. It is not wise to live with one source of income. Bad things happen when we least expect it. Companies go bankrupt. Large companies merge or acquire big and small companies. Companies do cost-cutting through outsourcing. etc. And where does this lead to? This lead to redundancy and unemployment. So the safest way is increase cash flow by creating multiple source of income.

To know more about how to create multiples source of income: read Multiple Streams of Income by Robert Allen.

2. Save More NOW

The reason why most people live in a "RAT RACE" is because they don't SAVE. Saving a percent of your hard earned money is one of the first habits of the Self-made Rich People. The foundation of wealth is delayed gratification.

3. Spend Less NOW

People have a bad habit of spending more than they earn. Live within your means. How can you be blessed with Big Money if you can't even handle your "not so big" money.

Don't look at how the Rich spend. Study how they started and how they build their wealth.

The problem is most people look at how the rich spend. They look at what watches and clothes they wear. What cars and gadgets they buy. Without looking at what they did to get to their level.

How can you spend less? by monitoring your expenses.

Beware of little expenses; a small leak will sink a great ship.  ~Benjamin Franklin

4. Invest More NOW

Before you invest your money, make sure to have a "PEACE OF MIND" Fund. Financial Experts call this the "EMERGENCY" Fund. (I don't like the term because you might attract emergency things happening in your life.)

A good "PEACE OF MIND" Fund should be amounting to around 8-12 months for your monthly expense. For example, your monthly expense is around P20,000. You need to build around P160,000 to P240,000 of "PEACE OF MIND" Fund. You should put this in a high-interest yielding bank deposits or time deposits where you can immediately get it if you need it. Visit your local banks for more information or visit their website.

After this, invest the rest, where? It depends on what your investing for. You can ask your financial advisers for this.


This simple money habits separates those who really build wealth from those who just look wealthy. In the Philippines, we call this people "MAY DATING PERO WALANG DATUNG". They copy how the wealthy look but in reality they're not.

If you want to Retire Rich, DECIDE NOW. Follow this simple habits.

If you have questions, feel free to comment.

KNOW YOUR VALUE

In order to succeed in life, you should know your “VALUE“.

There’s a story I want to share with you. There was a very rich man who was very successful financially. The problem is that because he was very focused on his financial success. He forgot to take good care of his health. He got very ill and was blinded by the disease. Since he was a very rich man, he asked people if he can buy their eyes. He asked a person if he can buy his eyes for “a million dollars” and the person says “NO”. He then asked another person if he can buy his eyes for “five million dollars” and the person says “NO” again. And then another person and offered “10 million dollars”, and the person still says “NO”. There and then, we already know our “VALUE”. 10 million dollars for just the eye only and we don’t accept it. Then why do people settle for less. Why do people give their “whole life” for P10K, P20K, P30K or even P50K? People say that they have no choice. They were born poor. Is that really the case?

Guys, “DREAM BIG DREAMS“. God want us to live an abundant life. Its just up to “US” (not any other people) that would decide on that. It always starts with our own personal “decision” to change for the better.

Welcome!!!

Hi, I’m Mike. To know more about me just follow my blogs.

This blog site is for people who want to make a difference in their life and to the lives of the people around them. This blog will also serve as an inspiration to people who wants to have a life well-lived.

I believe all of as has the capacity to change our life for the better. It is up to us if we really want it to. I also believe that we all face two challenges in our life: One is health and the other is finances. We need to have balance in our life, especially in this two categories.

How can I say that? Let us say you have all the riches in the world. We have our dream job, our dream business or our pooled investments. Sadly, our health got hit because of stress and poor lifestyle. We got one of the top disease right now which are Cardiovascular Disease, Cancer, Stroke, Respiratory Disease or Diabetes. Our accumulated wealth will be useless because we won’t enjoy it for long.

And vice versa, let us say we are really really healthy. But sadly, we have financial problems. That won’t still be a life well-lived because you will still get sick from the stress of life.

This is why I advice you to read my blog to be in the right path in TRUE HEALTH and TRUE WEALTH.