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  • 1. Inspiring You to Live a Fantastic Life A Wayward Son Finds His Way to God’s Embracel Help! I’m Drowning in Credit Card Debt No. 228 Vol. 19 MAY 2009Change Your Money Habitsand Work Your Wayto Financial Abundance PAID! How to Achieve Financial Freedom By Bo Sanchez Don’t Settle for Just One — Create Multiple Income KERYGMA BARCODE.pdf 11/16/06 5:43:58 PM Streams Philippines P60 US $7.00 AUS $ 6.00 Euro 4.00 UK 3.00 Are You Holding on to False Money CDN $7.00 SING $8.00 HK $38.00 Myths? RUPIAH 103488
  • 2. From Shepherd’s Voice Publications —Value-Packed Magazines for All Ages!Subscribe now and be blessed by every issue. Anchor your life to GodStart right with MUSTARD — through KERYGMA — theour magazine for the very only Catholic inspirationalyoung. Journey into adolescence magazine that has lasted for with FiSH — our magazine almost 20 years and is still for the youth. growing strong!Fun and learning go to-gether in this colorful, hipand informative magazinefor grade-schoolers. Teach-ers love it, too. No wonder, FiSH Magazine presents the Inspiration, comfort, in-it won the 30th CMMA Best zany side of loving God. formation, fun — theseChildren’s Magazine Award. Clicks with the youth. Rec- and more, people find in ommended by teaches, too! Kerygma, where highly spiri- Awarded by the CMMA as tual topics are discussed in the Best Youth Magazine in down-to-earth fashion and 2008! ordinary life issues are given deeper meaning and value. A magazine you will treasure for life!FoR SUBSCRIPTIoN INqUIRIES:Call Customer Service at 725-9999/725-1115/725-1190.or visit our website:
  • 3. Ladies, Be ImpatientNo More!Find grace in waiting, just asRissa Singson-Kawpeng did.In her first-ever book, Confessions of an ImpatientBride, Rissa shares her funny, tear-jerking orsometimes downright embarrassing experiencesas a woman finding her place in this world.These originally appeared in her “Just Breathe”column in KERYGMA, the country’s no. 1 sell-ing inspirational magazine.Rissa’s struggles and victories as a young womanserving the Lord and at the same time “im-patiently” waiting for the realization of God’spromises to her regarding marriage and familylife can be a source of grace and hope for womenstill in the “waiting” stage. New moms can relateto her stories, too. For more information log on to or call 725-9999/725-1115/725-1190
  • 4. For all that she’s done for you, Your mother deserves all the best in life.This Mother’s Day, give her your best — YOUR LOVE. From Shepherd’s Voice, “Happy Mother’s Day” to all mothers! Let Shepherd’s Voice inspire you! The Boss, Bo Sanchez’s column in KERYGMA, has turned into bestselling books. Get all four and be very inspired. Give them as gifts and you’ll be doubly blessed. For more information, log on to or call 725-9999/725-1115/725-1190
  • 5. boss thethe boss bo sanchezO ne day, my wife Marowe was interviewed on TV. bothers me. You can wear black all you want. It’s the Bishop Tagle’s show on TV5 wanted to ask negative, surly, snobbish attitude that steals a lot of life her some questions. So they sent a TV crew to from them.) the house, complete with lights, cameras and a Some Christians have their own version of holy truckload of stuff. angst. These good-hearted people like to focus on their Obviously, that doesn’t appeal to her at all. Being sufferings as a way of pleasing God. They like to moaninterviewed on TV is as appealing to her as being trapped and groan about how difficult life is, thinking they earnin a steel cage with a thousand giant scorpions crawling brownie points in heaven.all over her body. Sheesh. She doesn’t like the spotlight. She has never given Well, excuse me, but I don’t have any angst.a talk in her entire life. (OK, that’s not true. Once, she I’m happy with my life.was asked to give an eight-minute talk to kindergarten Each day, I wake up expecting miracles to Two weeks before that talk, she was so stressed, I I also expect the sun to rise, the day to be lovely,couldn’t talk to her.) and my friends to be terrific. And most of the time, that’s In the TV interview, she was asked a question that she exactly how it happens.has heard a hundred times before. “How is it like being Sure, once in a while, it doesn’t happen that way.married to the Bo Sanchez?” Hey, I can’t win all the time. That’s OK. All I have to do is The following day, she was so relieved that the wait for the next beautiful morning.interview was over, she hugged me and giggled, “Bo, Don’t get me wrong. I’ve got problems.doesn’t anyone ever ask you, ‘How is it like being married But here’s the key: I don’t focus on the Marowe Sanchez?’” I acknowledge that they’re there. But I move on and “No one,” I smiled, “but if someone were to ask focus on my blessings instead. Because I believe my mindme, I’d say, absolutely wonderful and phenomenal and is a magnet. Thoughts attract.fantastic.” If I always think of my blessings, I attract more It’s really true. blessings. Not just my family life though. If I always think of my problems, I attract more My whole life is really wonderful. problems. Today, it’s popular to be a little angsty. “Teenage Dear friends, I pray that you attract more blessings inangst” is very “in” today, even among 40-year-olds who your life today.still think they’re teenagers. And you see it in how they May your dreams come true.look — black nail polish, black circles around their eyes,and a cigarette between their black lips. You’d rarely seethem smile. (Don’t get me wrong. It’s not the style thatHow to Live aWonderful Life Yes, You Can Make Blessings Happen Every DayWatch Bo Sanchez in a new Internet Show MONDAY to frIDAY at KerygmaMay2009 { 1 }
  • 6. mailroom Thank you for your great magazine. People coming to our house, including our mission rector, can hardly leave because they read and read the accumulated issues we love to display. Do continue to inspire us. C. Valera KERYGMA serves as an inspiration Kalinga Province every day of my life. I feel the presence of God and I look forward I consider KERYGMA a blessing to me and my family because to reading the monthly issue.Thanks, you help us to realize that God is everywhere, even in the simple KERYGMA, for shining through my things, and to learn how to appreciate Him more! God bless dark nights. you! Ace Galileo Gervacio Polomolok, South Cotabato Binangonan, Rizal Thanks to KERYGMA magazine because when I read it, it gives enlightenment to both my mind and my heart. More power and God From Members: bless! Donna I love reading KERYGMA magazine. It’s so inspiring and Davao it adds to my knowledge, especially that I give Pre-Cana seminars in our parish. More power! Hallelujah! I really want to thank KERYGMA for changing my life, for Naomie R. Labalan helping me have a close relationship with God, and helping hopeless people I am really inspired by reading KERYGMA magazine. I am to realize how much they are needed blessed to be one of the KERYGMA Shepherds spreading in this world for God. God bless you! the goodness of God. Keziah Agura Corazon S. Reyes Dipolog City You’re such a great speaker, Bro. Bo, and I most especially I always make it a point to buy this like your illustrations and stories. They touch the inner core super magazine. I just hope Bo and of my being. Thank you so much. company can visit Cotabato City. Ruben Ding Estaniel CotabatoWe want to hear from you!email us at, text at 0917-800-5535, or writeto The editor at 60 Chicago St., Cubao, Quezon City. you can also reach us bybecoming members of KeryGMa Family ( { 2 } KerygmaMay2009
  • 7. just L breathe ong before Patrick Dempsey landed his role in the movie, Made living by grace of Honor, I had my very own. It was there printed on my wedding invitation for rissa singson-ka wpeng all to see. I had a matron of honor and a man of honor. The latter was Randy Borromeo, the big guy — literally and figuratively — behind the TV shows of (L-R) Rissa, Thessa Barj Randy Borromeo and a-Borromeo, Chris Kawpeng MY BEST FRIEND’S Shepherd’s Voice. He’s also the director of all those cameras at The Feast, our Sunday gathering WEDDING at the Valle Verde Country Club Ballroom. I’ve known Randy since we were teenagers. I was already serving in our Catholic community when he attended one of our prayer meetings. Many years later, God provides. Always. he would confess that the reason he was enticed to keep going back to the prayer meetings was because he saw many pretty tisays there. his dreams. It was so cool that evening — it felt like theRissa’s clothes courtesy of Limited Couture. Available at Greenhills Shopping Center; HP at Power Plant Mall, Rockwell; Festival Mall, Alabang and SM City, Bicutan. But no matter how hard we tried, we couldn’t remember whole garden was air-conditioned. any tisays attending the prayer meetings. Pretty girls, yes. KERYGMA preachers George Gabriel, Alvin Barcelona, (Ahem.) Obet Cabrillas, Jon Escoto, Arun Gogna and Adrian We could only conclude that it was the Lord at work. Panganiban were there to lend good music and humor to Knowing Randy’s weakness for tisays, God tweaked his the occasion. eyesight to bait him to attend the community gatherings. It was a memorable, fun wedding. While our friendship goes way back, Randy and I Weeks later, Randy told me how much they had spent became close when I experienced a major life crisis. At a for their wedding and marveled at how he was able to time when I desperately needed friends and all my closest earn all that money. ones severed ties with me, Randy was the only one who’d What can I say? call and listen. God provides. Always. We’d talk through the wee hours, sometimes hanging Whether it’s a friend in time of need, a woman of your up only because the sun was about to shine. dreams, a rainless day, or money to pay for your perfect One Christmas, he was hired to direct a presentation at wedding. an office party. There, he saw a pretty tisay dancing with a friend. This time, God played no tricks. She was a gift from The works of God are all of them good; every need when it comes heaven named Thessa Barja. he fills. (Sirach 39:33) Last January 10, the day Randy married Thessa, time Email me your reactions/comments at stopped — literally. (To match my gown and shoes, I had to wear a gold watch and the only one I had wasn’t working. I wore it anyway.) All of creation cooperated to give the WHAT TO EXPECT TH couple the most beautiful wedding possible. IS MONTH: The day before the wedding, it was raining. A worried If you can’t wait to find out what life has in sto Randy called me to ask for prayers. The reception was you, grab my hot-off-the re for -press book, Confession Impatient Bride. Yes, thi s of an going to be in a garden and he had no more budget for a s is my first book ever published and it’s alrea to be giant tent. “Lord, take over,” we prayed. dy a bestseller — as so on as all KErYGMA readers buy The next day, the sun was out. The newspaper also their own copy! It’s the read for women waitin perfect announced that the biggest and brightest moon of the year g to find their one true young wives starting on love and would be out that evening. the family way. Laugh, inspired by life lessons cry and be from one woman’s heart So under the canopy of stars and a large, radiant moon, Available in bookstores to yours. nationwide or call (02 we celebrated the union of my best friend and the girl of 9999. )725- Listen to Bo Sanchez’s PODCAST! Audio and Video available! KerygmaMay2009 { 3 }
  • 8. { 4 } KerygmaMay2009
  • 9. publisher columns the bo files special section BO SANCHEZ editor-in-chief 03 Just Breathe 01 The Boss 17 {Paid! How to Achieve RISSA SINGSON-KAWPENG Financial Freedom} {My Best Friend’s Wedding} {How to Live a managing editor TESS ATIENZA 35 Kitchen Scribbles Wonderful Life} 18 {Change Your Money staff writers {Disdain Not Thy Thumb} 30 Heroes of Faith Habits} NOVA ARIAS 37 K Preacher {Rex Mendoza: 24 {Create Multiple JOY SOSOBAN creative director {One Plus One Equals Two} The Good Influencer} Income Streams} STIMPY CORTES 40 Point of Contact testimonies graphics director REY DE GUZMAN contributing writers 22 {Victory Over My ALVIN FABELLA Debts} JUDITH CONCEPCION 28 {Money Myths} JANE GONZALES CECILLE LIM DINA PECAñA departments photographers ED SANTIAGO 02 Mailroom DANIEL SORIANO 06 New You columnists 07 Anawim ROSANNE ROMERO 08 Dear Kerygma ARUN GOGNA chairman of the board 10 Real Stuff BO SANCHEZ 11 Feast Snapshots marketing director 13 It Happened: JOSEPH MARTINEZ {From a Fool’s Life to a Full Life}KERYGMA. A Greek word meaning 33 Gawad KalingaProclamation of the Gospel. It is a 39 {I Was Prepared forCatholic inspirational magazine. It aims My Death, But Godto be an evangelistic tool to all nations, Had Other Plans forproviding Scriptural, practical and orthodox Me}teachings to Catholics, particularly thosein the Catholic Renewal, as an alternativeto present-day magazines. It is alsocommitted to fostering the renewal andunity of the whole Christian people.Philippine copyright Shepherd’s VoicePublications, Inc. 2009 No part of thismagazine may be reproduced withoutpermission. KERYGMA is published monthly {18} Jby Shepherd’s Voice Publications, Inc., osephine Anne M.whose editorial and business offices are Agustin isn’t immunelocated at 60 Chicago St., Cubao, 1109 to money problems.Quezon City. Tels: 725-9999, 725-1115,725-1190, 411-7874 Fax: 725-1230, 727- Recently blessed5615 Email: with a baby, Jopay isph Website: getting accustomed to the financial demands of raising a family. may But faith and trust in God run strong in the Agustin household. Jopay and husband, Marvin, are active leaders of Bukas-Loob sa Diyos vol. 19 no. 228 Community’s young couples’ group. KerygmaMay2009 { 5 }
  • 10. new younew youtips for personal development TIPS FOR COMMON HOW TO CUT DOWN f inances ON REGULAR BILLS b eauty SKIN PROBLEMSW ant to cut down on regular bills? Before you reply with, “How could you ever do that?” N ever worried about your skiN? Then this is not for you. But for those regular gals out there, here are some tips for common skin problems:check out the suggestions below. · Conceal breakouts. Use a concealer that’s specifically 1. Install compact fluorescent light (CFL) formulated to cover and to treat blemishes. A bulbs. They have a longer lifespan and use up treatment concealer or an oil-free foundation will stay on the trouble spot without migrating. You less electricity. should concentrate the pigment right on the pimple 2. Do you have any electrical devices that you by tapping the product on the blemish. Then follow rarely use but have kept plugged in? Unplug this with a light dusting of powder over the entire them. Most electrical devices constantly use a face to set your makeup. small amount of electricity called a phantom · Even out skin tone. Apply foundation over the whole charge. Eliminate this by unplugging the face, then treat the dark patches with a full-coverage appliances. concealer. These are usually labeled as providing 3. Look for inexpensive entertainment options. medium, full or heavy coverage. Warm the concealer Instead of malling, why not lend your time to in the palm of your hand to make it creamier then a local volunteer group? blend it over the trouble zones using a dry sponge. · Soften fine lines and wrinkles. Makeup that’s too 4. Cook and pack your own meals. This will heavy can build up and cake in fine lines, so apply a reduce the cost of your lunch. Going out has light layer of a sheer foundation to prevent this. Add a tendency to increase your expenses. concealer, but only on the dark areas under the eyes. 5. Strongly reduce or eliminate travel. This will To increase the sheerness of the concealer, mix it significantly cut down your expenses. Be open with a pea-size amount of eye cream before gently to inviting family and friends over to your tapping it on with either a brush or your fingers. place instead. Source: www.realsimple.comSource: QUICK HEALTH TIP: The following foods are excellent sources of di- etary fiber, which help fight constipation: raspberries, mustard greens, cauli- flower, collard greens and broccoli. f aith & Doctrine BEING RICH AND LOVING THE POOR L oving the poor is incompatible with excessive love of riches. When we attend to the needs of the poor, we actually give them what is theirs, not what is ours. More than performing works of mercy, we are paying a debt of justice. Source: Catechism of the Catholic Church, nos. 2445-2446{ 6 } KerygmaMay2009
  • 11. SURVIVAL TIPS IN h ealth DO-OR-DIE EMERGENCIES (Part 2) H ere’s a continuation of last month’s article on what to do when you’re in a do-or-die emergency. Note down these survival tips: MOISES SU-AMAR: · Cramps. If you’re in deep water, take a deep breath, lie on your back and float. If you have muscle cramp, float face down, grab Still Adventurous at 77 By Tess V. Atienza your toes and pull them toward you, stretching your calf until “I the pain goes away. If it’s a stomach cramp, lie on your back, — just to walk around the town proper gO Out almOst every day spread your arms and legs, and float until you can swim back and then go home, on foot.” Lolo Moises does that not to shore. only for his regular exercise. At 77, he still loves to walk and · Poisoning. If you inhaled something (like bleach or ammonia), explore places. He wants to reach whatever his eyes could see get away from the toxic area. If it’s something that got on your on the horizon. skin, like a cleaning product, wash it off, then call a hospital and follow the doctor’s advice. Where He Came From · Severe bleeding. Use your hand or a clean cloth, paper towels, His mother died when he was two; his father when he was in a scarf or any fabric you can grab, and push down on the wound grade two. He and his siblings grew up far from each other. Lolo until the bleeding stops. Don’t use a tourniquet. Moises lived with his grandmother in Miag-ao, Iloilo City. His · Trapped in a burning building. Enclose yourself in a smoke- siblings lived with their adoptive families. free room and place a wet towel underneath the door to Very early in life, Lolo Moises learned to fend for himself. In prevent any smoke from entering. Then lie low on the floor, the morning, he went to school; in the afternoon, he tended to where you can breathe and see better, until help arrives. If the store of his aunt. you’re in a house, get as low as you can and crawl outside as Eventually, he moved to Manila, got a college degree and fast as possible. Don’t stop until you’re well away from the fire. then worked in Saudi Arabia for five years. Upon coming back Source: to the Philippines, he was hired as a caretaker in the home of Mr. Gartland, general manager of US Life Insurance Company. The Gartlands treated him like family, but they had to leave the SAY “HELLO” Philippines when the company closed. r elation ships TO STRANGERS The Path that Led to Anawim After his employment with the Gartlands, he only had short- term jobs and depended on friends for help. He remained single by choice.T ake ThekeRYGMa challenge to improve your relationships: Say “hello” to strangers daily for at least one month. Set your own quota and thentry to build on that. Here are some reasons why you should practice this. In his early 70s, a friend of his brought him to a home for the aged in Manila. In 2006, he was brought to Anawim. Life at Anawim· It is an acknowledgment of existence. Saying hello is a pause, “It’s funny,” Lolo Moises relates, “the social workers here remind however brief, to affirm another person’s worth. In return, you become me to come back whenever I go out for my morning walk. Why a person to them, too. won’t I come back? Anawim is my home now and probably until· It can raise productivity. A study on this subject had middle school death.” teachers greet their students Still, he wants to visit his hometown one last time and see individually every month. his brother Samuel and sister Francisca Su-Amar-Derla. The brief interaction He wishes, too, that well-meaning visitors at Anawim would raised the students’ invite him to spend a day or two in their houses. “For a change productivity by 27 — and to see other places before I die,” shares Lolo Moises. percent. Indeed, age has not changed Lolo Moises. Adventure is still· It can save your in his blood. m a r r i a g e . C o m m o n courtesy isn’t that common. Lolo Moises is one of the 55 When did you abandoned elderlies that Anawim cares for. To continue caring for last say hello to them, we need your support. your spouse? Contact Anawim at (632) 710-And don’t forget to say 5273 or visit each morning to the person ph for your donations. You may also join the monthly pilgrimagewho needs it most — yourself. to Anawim and make the lolos andSource: lolas happy with your presence. KerygmaMay2009 { 7 }
  • 12. dear Kdear K My Vocation or My FamilyI ’m 26, single, have a job and staying with my family. Just recently, I had asudden feeling of wanting to pursue myvocation. The truth is, when I was 16years old, after I graduated high school, Dear Vhanie,I entered a convent to become a nunbecause that had been my dream since What you are experiencing right now was the same thing I went through whengrade school. Unfortunately, I failed I was discerning whether to enter the religious life or to pursue a career and beto continue my vocation because my with my family. Discernment brought me to a “win-win” solution. I finished college, worked for five years and helped my family before I joined the congregation. I alsohomesickness ruled over me and I realized realized that becoming a nun is more than a childhood dream — not a career tothat I wasn’t totally prepared that time pursue — but a call to live a different kind of life, one that is devoted to God throughfor the religious life. prayer and service. I went out, pursued a college degree, Your case is quite unusual because you entered at a very young age and thengraduated and found a job. But all the left the congregation. It is like getting married early — the chances of brokentime that I was out of the convent, the lure commitment are prevalent. I can understand your situation.of the religious life kept coming back. But You don’t have to choose between your family and the religious life; you canthen again, after I graduated, I felt that I have both. When I entered the religious life, I never stopped becoming my parents’had to find a job and help my parents. To daughter, although I cannot anymore give what I used to give them — materialleave my parents after all their hardship things. But they appreciate much my presence during special family gatherings and simple occasional visits. With my community’s permission, I took care of my sickin sending me to college stopped me from mother when she was hospitalized. I am also called to facilitate dialogues amongre-entering the convent. I want to provide family members. And my nieces and nephews express how they look up to me asfor them now that I have a job. But in my their role model. There is so much that you can do as a daughter and a sister to yourheart, I know and I feel that I still want to a nun and offer my life to God. Vhanie, you are still young. You still have time to spend and serve your family in I am confused. Shall I choose a life case they really need your assistance. There are congregations who accept candidateswith my family or a life of service and in their early 30s. I suggest that you get a spiritual guide to journey with you as youbeing with God as a religious? I’m really search for where God is calling you at this time of your life. I can be one.weighing things out because I want tomake sure that if I chose to re-enter the Sr. Gemma Dinglasan, RGSconvent, it would be for good this time.But I have to consider my parents, too,because I want to make sure that they’re It took Sr. Gemma Dinglasan, RGS, several years to finally face her trueOK before I leave them. calling. An accountant by profession, she worked hard to help her parents send her younger siblings to school. Later, when the one next to her gradu- Can you please help me to weigh ated and took on the responsibility of sending the younger ones to school,things? Thank you. she was left with a void: what to do with her life. She searched and she found what she was looking for: the Pearl of Great Price. Sr. Gemma is now the vocation directress of the Good Shepherd Community in the Philippines. Vhanie{ 8 } KerygmaMay2009
  • 13. How Do I Deal with My Atheist Friends it is important that we remember that God is a God of mercy. I am sure that He will not expect people to live as though they are disciples of Jesus if no one has ever proclaimed the Gospel to them. God will judge us fairly and with mercy and love. Secondly, I think we should first focus upon our own salvation and ask ourselves whether we are doing everything that we can to proclaim the Gospel through our lives and through what we say and witness to others. The Vatican II documents remind us of this when they talk about our duty to live and proclaim the I am havIng a hard time dealing with atheists Gospel. in my life. I love them but they don’t believe Thirdly, we must be sure that we both live and proclaim the Gospel to the best of our ability while at the same time in Christ. I also have friends who are Buddhists, recognizing that each person is free to choose whether or not Hindus and Muslims. Will they also be saved? he or she will respond to the Gospel once it is heard. The critical How do I introduce Christ to them without point here is that each Christian ensure that the witness of their offending them? I love them and so I want them life is true to the Gospel and that we do not deny any truth of to be saved, too. the Gospel for fear of offending someone. The Scriptures are very clear that it is the truth that sets us free (John 8:32-36) and thus Rosan we never do anyone a service by denying them the opportunity to know the truth about salvation. Dear Rosan, Having said that, it is equally important that we are guided by the Holy Spirit in the work of evangelization and wait for the Your situation is a common one but not appropriate time to proclaim the Gospel to those who need to necessarily easy to deal with. I think it is important hear and respond to it. for us to realize that no matter how well we might In summary, I think you should live your Catholic faith to think we know and follow God as His disciple, there the full without any apology for doing so to your friends, while is still a great mystery surrounding the nature and at the same time being watchful for an opportunity to share the mechanics of the work of salvation. Ultimately, it is Gospel when it arises. God who will decide who is saved or not and I think I hope and pray that the Holy Spirit would use you to bring your friends into a relationship with Jesus and thus win them for the Kingdom of God. Fr. Steve Tynan, MGLFr. Steve Tynan, MGL, is the spir-itual director of the Light of Jesusand Elim Communities. Fun-lov- Email your questions to Or if you need to talk toing and ever ready for anything,this Australian cleric is presently someone, call 7264709 or 7266728 to contact a Light of Jesus counselor. Telephonethe parish priest of St. Benedict’s counseling is 24-hours from Monday to Friday, 8 a.m. to 5 p.m. on Saturdays and 6 a. m.Parish in Don Enrique Heights in to 10 a. m. on Sundays. Face-to-face counseling by appointment. For correspondenceQuezon City. counseling, email or go to http://supportskerygmafamily. com. Or Call725-9999 Pregnant? Confused? Abortion is not the answer. Contact Sr. Pilar at Pro-life. KerygmaMay2009 { 9 } Call 422-8877 or email
  • 14. real staffreal stuff VATICAN NOW ON will make information YOUTUBE and news from the Holy See more readily accessible on the w aNt to be updated on what’s happening in the Vatican? You can be updated through video now. The Vatican has launched a new channel on world wide Web.” He added, “It is my hope that this YouTube. initiative will enrich a wide range of people — including The site, which is found at those who have yet to find a response to their spiritual vatican, was launched in January in time for World yearning — through the knowledge and love of Jesus Communications Day. Christ whose message of Good News the Church bears to The Pope said, “Undoubtedly, wise use of the ends of the earth.” communications technology enables communities to be formed in ways that promote the search for Source: the true, the good and the beautiful, transcending geographical boundaries and ethnic divisions. To this end, the Vatican has launched a new initiative which SAINTS AT A GLANCE WHO: St. Bernardine of Siena BOrN & DIED: September 8, 1380, Italy – May 20, 1444,MEDIA AND YOUR CHILDREN Italy NOTABLE fACTS: Descended from a noble family, heI f You’Re a paRenT with young children or adolescents, better joined the franciscans after prayer and fasting about check this out. it. He played a great part in the religious revival of the According to the conclusion of a series of 10 short early 15th century. A tireless worker, he once preachedpapers by the journal Children and Electronic Media, media every day for seven weeks in Siena. He became vicar-can be a positive influence in the lives general of the franciscan Order in Italy in 1438.of these children. The papers, whichare summaries of research carriedout by The Future of Children, acollaboration of the Woodrow WilsonSchool at Princeton Universityand the Brookings Institution thatpromotes policies and programs sex scenes are muchregarding children, said that the more likely thanaverage modern child spends a total their peers to getof nearly 45 hours a week using pregnant or get avarious forms of media, including the partner pregnant.television, movies, magazines, music, They also foundInternet and video games. strong connections According to the study,advertisers between a negativeare moving to the Internet because health outcomemarketing to children online is far and media hours orless regulated than television. Methods include embedding in games and using online chat forums to promote “Be aware and be involved” was the paper’sproducts. recommendation to parents. Awareness includes The paper also concluded that when children view understanding the various forms of media and types ofmedia violence, they often act aggressively, experience content that their children are using. And involvementfear, develop unrealistic perceptions concerning the means monitoring the type of media being used byviolence that exists in the real world, or develop less children, and also the amount of time being devoted toadvanced moral strategies. media use. Another aspect of media usage is that between televisionand sexual activity. The study found that teens who watch Source: http://www.zenit.orga lot of television featuring flirting, discussion of sex and{ 10 } KerygmaMay2009
  • 15. SAFEBROWSER FEASTFOR YOUR FEAST SNAPSHOTS SNAPSHOTSLITTLE ONESW wreaking havoc on your orried about your child computer or going to an unsafe site? ThenKidrocket is for you. Bacoor, Cavite Kidrocket Kids Browser is a free stand-alone Holds Local FeastWindows application that’s both an activity center aswell as a browser. It can be locked to the desktop toprevent your kids from unwittingly wreaking havoc on C avite may not be that far from Pasig City, where The Feast happens every Sunday at the Valle Verde Country Club, but manyyour computer. It includes a web browser that operatesoff a pre-selected white list of kid-friendly sites like Caviteños (especially those from Bacoor) Crayola, Cartoon Network, Sesame Street and choose to have their own local Feast and others. There are also other activities that your enjoy a more intimate community gathering. kids can do like an interactive math flash cards Every first and second Friday of the month, and a simple paint program. from8to10p.m.,theLightofJesusCommunity’s For older kids, you can enable a basic Bacoor Chapter gather at the Addas Chapel in email client and create a safe list for your Addas IV Village in Mambog. Of course, they child to email to. welcome whoever might want to join the Source: worship, Gospel sharing and reflection and to NEW UNIVERSITY FOR listen to Bo Sanchez’s video talk. On the average, 40 people regularly attend TOP MINDS the Bacoor Feast. Anyone who wants to participate may simply go to the venue on the W hat would happenifthe world’s top minds mentioned schedule or may contact Bro. Peter Fariscal at 0929-722-7080. came together toestablish a university? Now we have a chance to findout. The National Aeronautics and Space Administration(NASA) and Google have teamed up with leading scienceand technology entrepreneurs to open SingularityUniversity (SU). Housed on the NASA Ames campusin Silicon Valley, the university will open this June andwill offer a nine-week graduate level program alongwith several executive level programs aimed at helpingcurrent leaders adapt their businesses to up-and-comingtechnologies. The university seeks to complimentexisting programs in a variety of subjects includingbiotechnology, artificial intelligence (AI), robotics, law,ethics and finance. The university hopes to foster collaboration andinnovation “in order to address humanity’s grandchallenges” and to gather “the next generation of CEOs,University Deans or Presidents and government leaders”to begin networking and collaborating. SU’s foundersinclude Pete Worden, the director of NASA Ames, Dr. RayKurzweil, author and futurist and Dr. Peter Diamandis,chairman of the X Prize Foundation.Source: KerygmaMay2009 { 11 }
  • 16. { 12 } KerygmaMay2009
  • 17. From a Fool’s Life to a Full Life I was living a double life. During the day, I studied while working part-time as an appraiser in our pawnshop in A Wayward Son’s Ormoc. I earned extra money apart from the allowance my parents Journey gave me. Having so much money By Romeo “Junjun” Ocampo, Jr. as told to Dina Pecaña in my hands made it easier for me to indulge in my vices again, which I wanted to get rid of in the first Another most memorable day in Junjun’s journey was the day he married Vannie place.Listen to Bo Sanchez’s PODCAST! Audio and Video available! KerygmaMay2009 { 13 }
  • 18. My health suffered because I totally gave up group of friends) that led me astray. Instead of focusing exercise and sports. My frequent drinking spree on my studies and getting good grades, I got entangled also affected my sleeping pattern. It came to a point in a web of endless partying, alcohol and drugs. I picked when I could no longer sleep without getting drunk. up the vices merely out of curiosity and a compelling I would drink beer and take shabu simultaneously need to be accepted by my friends. and that kept me awake for two days. My freshman year was one of the turbulent times Unknown to me, my parents, who were renewed of my life. But even then I was sensible enough to free Christians actively serving in the intercessory team myself from the vices that enslaved me. I decided to go of the Brotherhood of Christian Businessmen and back to Ormoc after the second semester, thinking that Professionals (BCBP) in Ormoc, were fervently I could start over if I stayed away from my friends. praying, in union with their community, for my I was wrong. conversion. I only sunk deeper into my vices. Soon, the Lord answered Life-Changing Retreat their prayers for I wasn’t expecting anything from the retreat — I only my conversion — attended it as a requirement for my Theology class. But but it was also to during one of the talks, I sensed the Lord telling me, prepare us for the “My son, I love you.” Then it dawned on me how my trials that were parents cared and prayed for me all these years, how about to come they continued to love me even though I was a “bad” into our lives. son to them. I realized how deeply the Lord loves me through my family. This realization opened my life to The Good Life the powerful love of the Lord that would change my life I have to admit forever. I was spoiled. I God transformed me gradually. First, He separated got everything I me from my “vice buddies.” Next, He gave me the wanted while I desire to know, love and serve Him. That inner desire was growing up — moved me to become part of our parish youth ministry. be it a TV for my I sang in the choir and helped organize retreats and room at the dorm, other youth activities. the latest sound As I immersed myself in service, I still struggled system, a new with my vices. Through much prayer and with the help Junjun now works as tennis racket and of my Theology professor, Cris Fernandez, who was our a financial consultant for Pru-Life UK rubber shoes, and speaker and facilitator during my most unforgettable an allowance that retreat and the one who invited me to serve in the was more than parish youth ministry, my craving for alcohol and drugs what kids my age received. I guess that came with diminished slowly but surely. Indeed, God’s grace is being the youngest child, although my parents were sufficient! caring and generous to my siblings as well. I finally joined my parents in BCBP during my From their humble beginnings, they worked last year in college. Soon after, our family underwent hard to establish our retail store and family’s another trial. pawnshop business in Ormoc. The business grew and prospered and enabled my parents to send us to Financial Crisis good schools and give us a comfortable life. I should In 1995, our country experienced a serious economic have been grateful or, at the very least, content with crisis that affected our family business. We were forced having a happy family life. But I was not. I chose to to close our pawnshops and the proceeds from the sale live a wayward life in spite of the love and support of were used to pay off outstanding debts that ballooned to my family. almost P10 million. We had to sell our car and home. It was a difficult time — so hard in fact that there were Entangled in Vice times when my mom did not know where to get our During my freshman year at the University of San next meal. We went through a test so grueling that the Carlos in Cebu, I became part of a barkada (gang or strength of our family’s faith was challenged.{ 14 } KerygmaMay2009 Want more friends? Add us!
  • 19. My dad, being the head of the family, was hit hardest City, living among lay brothers who were single- by this family crisis. He sunk into depression that lasted hearted for the Lord. for three years. He could not accept what happened For three years, I learned to live out the virtues to our family and he felt that he failed us miserably. of chastity, simplicity and obedience. I was happy He withdrew from everyone and confined himself at with this life and I truly believed that to live single home. and dedicate my life to the Lord’s service was my This was also the lowest point in my life. It was hard highest calling. to see my idol — my dad — so down, helpless and on the brink of giving up. Seeing him this way, a broken Meant for Marriage man, I felt lost. I questioned my own identity. If my dad Little did I know that God had a different plan. felt he was a “nobody,” then who was I? During Lent 2005, on my third year at the Servants of the Word, my Simple Living heart was stirred Though difficult to bear, our family crisis taught us by a desire Finding God’s best for him was one of valuable life lessons, starting with having a faithful for marriage Junjun’s blessings relationship with God and living simply. In the midst of as I prayed. I in life our problems, God called each one of us to a personal was confused. relationship with Him and led us to actively serve in our I sought the community. advice of my I developed a more loving relationship with my mentor and parents and siblings. My mom committed to faithfully fellow brother, pray for our family and her example encouraged the Ken Knoecker, rest of us to pray just as she did. Our family prayer time who advised became our source of hope, strength and unity. me to be open Though our once carefree and comfortable life to it, to pray changed drastically to one of hardship, pain and more and to uncertainty, we gained a new life in Christ. As we investigate it. surrendered our lives to the Lord, He eventually After days of prayer, it became clear to me that restored to us what we had lost. He allowed my parents God wanted me to get married. I left my brothers to reopen our pawnshops; my mom was blessed to in Servants of the Word and joyfully anticipated the work in an insurance company that enabled us to buy unfolding of His plan. a new car. In due time, God revealed His plans for me. I Mom and Dad humbled themselves as they went landed a job as a supervisor in a gas station in Ormoc to each person to whom they owed money. They asked and later as a financial consultant in an insurance forgiveness for not being able to pay their debts and the company. Then in one of Lingkod’s activities, Vannie same time gave their commitment to pay no matter how Siloterio, my good friend and former co-worker at long it takes. The Lord must have touched the hearts the Lingkod office, came to Ormoc to be with the of the creditors because they only collected from my women members of our community. Seeing her parents the principal and no longer applied the interest and being able to spend time with her once again that would have compounded significantly over the reminded me of the essentials I wanted in a woman years. who was to be my wife: a deep relationship with the Lord, unconditional love for her family and a heart Loving God More Deeply and Following Him More for mission. It was then that I decided to pursue Closely her. From my service in our parish youth ministry, to On December 16, 2006, Vannie and I got becoming part of BCBP, the Lord opened opportunities married. For over two years now, we have been for me to serve Him and His people through Ang living a serene and simple life in Ormoc while still Lingkod ng Panginoon Community where I served happily and actively serving our brothers and sisters as the very first and the youngest branch leader of the in BCBP and Lingkod. Ormoc branch. It did not end there, though. It continues to amaze me how God has My desire to serve the Lord deepened to the point transformed a wayward son to become His faithful that I joined the Servants of the Word based in Quezon servant.Want more friends? Add us! KerygmaMay2009 { 15 }
  • 20. By Bo Sanchez{ 16 } KerygmaMay2009
  • 21. PAID! HowtoAchieveFinancialFreedom by bo sanchez R when you were taught by your emembeR the days parents to drop a coin or two every day in your piggy bank? Gone are those days, right? Today, most people complain that their monthly take-home pay is spent before they receive it. Why? Because they are trapped in the vicious cycle of borrowing for every need and then working to pay for their debts. Why are many people stuck in poverty and in never-ending debt? Because they spiritualize their financial difficulties — they want God to do what they can do themselves. And that’s what ails many people. Now, listen: God won’t do what you can do yourself. Because the essence of human life is growth — and we won’t grow if we won’t take responsibility for our lives. And that includes managing our finances, raising our financial IQ, learning new habits and being totally free from the enslaving power of money — or the lack of it — in our lives. Friends, God wants you to be prosperous but you have to do your part as well. Start now.Want daily Bible readings and Didache reflections in your email? Join KerygmaMay2009 { 17 }
  • 22. Change Your Money Habits and Work Your Way to Financial Abundance by bo sanchez{ 18 } KerygmaMay2009
  • 23. A long time ago, when I was still single, I led The answer is, “It depends.” a retreat for a group of college students Why? from an exclusive girls school. Before the If you do not do something practical about your start of the retreat, I was alone in my room finances, such as living simply, nothing will happen. No preparing for my talk. matter how much you give to God, if you do not live Suddenly a cockroach entered my room and within your means, if you do not save, you will not be hovered above me. Ziinggg! Zinnggg! I looked at it and prosperous. said, “In Jesus’ name, come down!” And then it hit an God wants you to prosper but He won’t do for you invisible wall and crashed to the floor, dead. what you can do for yourself. Because the essence of I was amazed! human life is growth. You need to keep on growing and Then during my talk, the granddaddy of the the only way to do that is to take responsibility over your cockroach I killed entered the room with vengeance life, including your finances. and it started zooming and shimmying and zapping Many prosperity preachers have spoken and written around the room. You can just imagine the reaction of about steps to prosperity. They’re good — they tell us to the students in front of me. They were shrieking and obey God, be faithful to Him, give tithes and so on — but I covering their heads as the cockroach continued to feel there are some things lacking. They don’t speak about zoom up and down the ceiling, the walls and all around the practical steps one can take on the road to financial the room. I didn’t know what to do until I remembered freedom. what I did an hour ago. So I said, “In Jesus’ name, come down!” And again the cockroach hit an invisible wall Six Steps to Financial Freedom and crashed to the floor. Bang! All the ladies in front of me exclaimed in awe. “Let Pharaoh proceed to appoint overseers over the land, And there I was, cool as a bee, as if it was something and take the fifth part of the produce of the land of Egypt that happens to me every day. during the seven plenteous years. And let them gather After the talk, I entered my room. As I was resting, all the food of these good years that are coming, and lay up grain under the authority of Pharaoh for food in the I saw the cousin of the first cockroach crawling up the cities, and let them keep it. That food shall be a reserve wall. (By the way, I will not tell you what retreat house for the land against the seven years of famine which are to it was). I sat on my bed, looked at it and said, “In Jesus’ befall the land of Egypt, so that the land may not perish name, come down!” It continued to crawl. “In Jesus’ through the famine.” name, come down!” It still kept crawling. For the third — Genesis 41:34-46 time, I said, “In Jesus’ name, come down!” It didn’t. There’s something wrong, I thought. And then I felt Step 1: Change Your Internal Money Programs God speak to my heart, “Hey, get your slippers and kill This never fails: If you want to make any improvement in the cockroach!” your life, change your behavior. But if you want to make I learned an important lesson there: that there giant leaps in your life, change your beliefs. are times when God will not lift a finger because He If you’ve always been poor or short of money, your wants us to do it ourselves. belief system might be the culprit. If you want to be prosperous, He’s not going to I hear poor people say, “My parents have been poor. give you wealth just because you obeyed Him, or just We’ve always been poor. I think I’ll grow old as poor, too.” because you gave tithes. That’s your mental conditioning — and that’s what Many do that. They blame God for being poor. will happen because that’s how you perceive your life to They say, “I go to Mass, I serve God, I give tithes, I be. attend prayer meetings — but why am I still poor?” Change what you believe in and change will happen It’s like asking, “Why can’t I play the violin? I serve in your life. the Lord, give tithes and attend Mass and prayer Because what you believe in, you act upon. meetings.” The answer is simple: Because you didn’t All the other steps to financial freedom will be useless study how to play the violin! unless you change your beliefs about money. It won’t Don’t over-spiritualize your problems — your matter how much you save or whether you get into 10 dilemma may not have a spiritual cause. It might be businesses. You will not prosper if you do not change due to your lack of knowledge. your internal money program or if you don’t expand your Will God prosper you if you obey Him and if you psychological wallet. You have to believe that you can are faithful to Him? earn more than you are earning right now — and that’s The answer? It’s not yes or no. the key: believe that it will happen and it will!Looking for NEW FRIENDS? Go to KerygmaMay2009 { 19 }
  • 24. Step No. 2: Get out of bad debt. We need to invert the whole thing. When you receive What is bad debt? What is good debt? your salary, give 10 percent to the Lord, save 20 percent, Good debt is when you borrow money to buy a and then live on the remaining 70 percent. thing that will put money in your pocket. For example, According to the Bible, Joseph told Egypt, you have you borrow money to buy an apartment that will earn to save the fifth part (or 20 percent) — and that’s how money for you later. Egypt was spared from drought and famine. So save 20 Bad debt is the opposite — instead of putting percent of your income and you, too, will be freed from money in your pocket, it takes away money from it, like lack. when you buy a TV set or a pair of shoes or when you People would tell me, “Bo, how can we survive with use your credit card to buy those things and pay only 70 percent? We can’t!” So I tell them, “That’s why you need the minimum each month. That’s bad debt. to increase your cash flow, your source of income.” Bad debt is detrimental to your financial health so get out of it as soon as possible. Here’s what I do to Step 4: Get Protection. avoid it: When I want to buy something, I tell myself I Tell me if this is true. When you get near an insurance will save for the next six months to be able to buy that agent, your first instinct is to slowly move away from him, thing. You know what happens? Before I even reach the right? We’re allergic to the word insurance. But you know, third month, I no longer want to buy the thing. whether you like it or not, you need insurance. It’s your If you train and discipline yourself, this is what will protection if something happens to you and you don’t happen. The important thing is to get out of bad debt. have passive income. What will happen to your family How? if you suddenly die of a heart attack or are debilitated by cancer? And even just to protect yourself from estate 1. Create a strategy and a deadline. For example, your taxes, you still need to get insurance. goal is to get out of bad debt within two years. Make a The Bible says, “A rich man’s wealth is his strong city, plan and a strategy on how to achieve that goal. like a high wall protecting him” (Proverbs 18:11). This 2. Face your creditors. Let them know you won’t means that the ultimate goal is to be self-insured. You renege on your debt. Keep in touch with them. have to work so that you can do this until you reach a Don’t wait for them to call you; you call them or visit point when you don’t need insurance anymore. And the them. Negotiate for a restructuring of your debt. Be way to do that is to have multiple income streams. persistent. Don’t be intimidated if you are dealing with a bank. Remember, people manage banks and Step 5: Create Emergency and Retirement Funds. bank policies are made by people, too — people like From the 20 percent you save from your salary, aim to you and me — so don’t be afraid to appeal to their build up an emergency fund equivalent to six times your good nature. As long as they see that you earnestly monthly salary. This will serve as your cushion if you have want to pay your debt, they can be flexible. a sudden need for extra money, like unscheduled repairs, 3. Pay high-interest loans first. If you have two loans illness or, worse, if you suddenly lose your job (a common where one charges one percent and the other 10 occurrence these days). percent interest a month, pay off the latter first. Why? After the emergency fund, your next goal should be Because that equates to 120 percent a year! a retirement fund. Strive to save at least 20 percent of 4. Work for money instead of borrowing money. Here’s your savings from your income to form your retirement a common attitude among poor Filipinos. Let’s say fund. there’s going to be an occasion next week, for example Where do you put your retirement fund? You have the graduation of one’s child. You know what’s the many options: banks, time deposit, mutual funds, money first thing that comes to mind? Where to borrow market, etc. Improve your financial literacy so that you money to spend for the celebration. Instead of this will not only be able to help yourself but you’ll help mental circuitry, why not think of what you can do so others as well. that next week you’d have money to spend? And that means doing things you’ve never done before, like Step 6: Create Multiple Income Streams that Give selling something or taking a part-time job. Do you Passive Income. know that the quickest way to earn within a few days At this time of economic recession, to rely solely on one’s is to sell something? employment income is no longer advisable. You need multiple sources of income — sell something or put up a Step 3: Apply the “Save First, Spend Later” Principle. small business on the side; invest in a mutual fund, money The common Pinoy’s spending habit once he receives market and other financial instruments. his salary is like this: pay bills, buy that, watch movie, eat A word of caution, though: learn all you can before out and then save whatever’s left. getting into any of these. Get a mentor. Read up. Attend{ 20 } KerygmaMay2009
  • 25. seminars. And don’t be afraid to fail. (More on this Bo’s Action Steps:in the next article.) Where are you now in your financial life? 1. Assess your financial life. Based on Do you still carry in your mind unhealthyfinancial beliefs? the steps mentioned in the article, what Are you deep in debt? do you need to do to achieve financial Are you on your way to building your freedom?emergency fund or retirement fund? Or does your money work for you now through 2. Set your financial goals for the rest ofyour passive income? the year and for the coming five years. Whatever stage you are in now, never forgetthat the real purpose of money is to love. 3. Create a strategy and define action plans that you would pursue to achieve(For comments and reactions, email me at your goals. Laughingly YoursQuestion and Answer from the Bible:Q. What kind of man was Boaz before he married Ruth?A. Ruthless.Q. Which servant of God was the most flagrant lawbreaker in the Bible?A. Moses. He broke all 10 commandments at once.Q. Why didn’t they play cards on the Ark ?A. Because Noah was standing on the deck.Want your own PDF/Digital Copy of Kerygma Magazine? Join KerygmaMay2009 { 21 }
  • 26. L ord God, I also want to proclaim your goodness to me through a financial breakthrough.” I wasn’t in a financial crisis when I said that prayer but I used to envy people in my community who testified to how God blessed and pulled them out of their financial difficulties. In my heart, I also hoped that I would be able to give such testimony. A few years later, something happened that turned my financial life upside down. Little did I know that this experience would pave the way for the Lord’s answer to my prayer. “Debt” Sentence I worked as a food technologist in a snack and noodle- making group of companies. My salary was enough to provide for my personal as well as my family’s needs and wants. I was just contented in having a job and receiving a reasonable amount of income every month. As long as our needs and wants were met, that was good enough for me. Savings and investments were not part of my vocabulary. As one of the breadwinners in the family, I provided for the groceries every 15th and 30th of the month. All my purchases were on cash basis. I didn’t have a credit card because I feared having debts. But when I transferred to a sister company where everyone had credit cards, I was somehow influenced by the culture and found myselfIrma, no longer enslaved by plastic money, getting not only one but two credit cards. And the delaynow pursues her life’s goals peacefully in the receipt of our salaries justified my need to have a credit card. I paid only the minimum amount due every billing Victory Over statement, unaware of its repercussions. In 2003, our company closed down. Although I received a separation pay, I didn’t prioritize my debts. My Debts: I availed of a cash loan promo offered by the card company as a way to pay off my debts and to have extra cash when I was broke and didn’t want to borrow How God from people. But this only worsened my situation. My outstanding balance ballooned due to finance charges and interests. When I defaulted on my payments, I received calls Raised Me from the credit and collection agent of the card company almost daily. After each call, I felt pressured, harassed and embarrassed. I had no more peace because of the guilt, from Debt fear and humiliation I suffered for many months. But it never crossed my mind to run away from my obligation. I applied for an amnesty for both credit cards but my to Financial application was denied. Free at Last! Freedom On my birthday, I received a gift from my prayer partner — a Bo Sanchez book, Simplify and Live the Good Life. The By Irma Francisco as told to Judith Concepcion { 22 } KerygmaMay2009
  • 27. practical tips given in this book on how to simplify partner. I am now serious in saving and investing myone’s life especially in the area of credit cards led to a decision to cut my Visa card, which had a I still have credit cards but I use them only for insurancehigher credit limit. It was liberating. I prayed and premium payments and when I treat clients or holdthrough my journal, God spoke to me: “Be not afraid. business meetings over lunch or dinner. Other than that,I have allowed this crisis in your life to teach you an all my transactions are in cash. I now pay the total amountimportant lesson. But I will help you pay your debts. due in my credit card so there won’t be any charges. I haveJust have faith in me.” made a commitment never to allow myself to be enslaved It took me over a year before I found work. I had by debt again. I have not used my credit cards since thesome tutoring jobs and through the help of a sister start of Christ, I taught part-time at the Lorenzo Mission I also have multiple income streams now. I still teachInstitute (LMI). Then a big opportunity came. Through at LMI and work as a real estate agent-broker. I am in thethe sale of a real estate property that I brokered, process of discerning what kind of business to put up forI earned a huge commission that was more than my family.enough to pay for all my debts. In October 2007, I The Lord has blessed me abundantly, more than I canwas finally debt-free. ever imagine. In return, I try to manage wisely whatever He has entrusted me. I am only His steward; all that IFinancial Freedom have belongs to Him.The experience was an eye-opener for me. I realizedthat I was a financial wreck and financially illiterate. An Answered PrayerThough I wasn’t a credit addict or a shopping addict, It amazes me how the Lord answered the prayer I madeI didn’t plan my purchases. I didn’t know a thing several years back. I only wanted to witness for Him aboutabout budgeting, managing of finances, savings and His faithfulness and goodness to me in terms of financialinvestments. blessings by sharing my experience with my community. I have learned my lesson the hard (and costly) But the Lord’s answer was more than I had ever wishedway. I am now prudent in handling my finances. for. He made it possible for my story to reach a greatBefore entering into any financial transaction, I plan number of people through KERYGMA.ahead, consult people who are knowledgeable in He, indeed, is a God of surprises — and He listens toa particular venture and pray a lot; I make God my every prayer we utter. Laughingly Yours A new pastor moved into town and went out to visit his community. He came into a closed house, but it was obvious that someone was home. He knocked several times but no one answered. He took a card and wrote at the back, “‘Behold I stand at the door and knock. If anyone hears my voice and opens the door, I will come in and dine with him, and he with Me’ (Revelation 3:20).” The next day, he found the card on the offering plate. Written below his message was, “‘I heard Your voice in the garden, and I was afraid because I was naked, and I hid myself’ (Genesis 3:10).” A little girl was talking to her teacher about whales. She said that Jonah was swallowed by a whale. The teacher said it was physically impossible for a whale to swallow a human being because even if it was a very large mammal, its throat was very small. The little girl said, “When I get to heaven, I will ask Jonah.” The teacher asked, What if Jonah went to hell?” The little girl replied, “Then you ask him.” SEND US YOUR JOKES! Text 0917-800-5535; Email: svp_tvatienza@yahoo.comWant daily Bible readings and Didache reflections in your email? Join KerygmaMay2009 { 23 }
  • 28. I f you had a mango seed, would you eat It? Of course you wouldn’t, and you can’t, unless you’re some weird creature. But if you plant the mango seed and wait for a few years, you will have a full-grown tree that will give you about six thousand fruits in its lifetime. And if you again plant those 6000 seeds, you will get a bountiful harvest. But while waiting for your trees to bear fruit, what happens to you if you get hungry? You need something to eat. CREATE You need other sources of income. The sad thing is, majority of our countrymen are satisfied with just having something to eat. They do not bother to plant seeds that will bring them a bountiful harvest in the future. MULTIPLE This is a situation we call “man working for money. “ But there are two stages higher than this. The next stage is “man works for the money, which in turn, INCOME works for man.” But the ultimate goal is when “money works for man” — meaning, a person has multiple income streams that create passive income. This is sound financial advice that even the Bible advocates.STREAMS — Give portions to seven, yes to eight, for you do not know what disaster may come upon the land. Divide your portion to DON’T seven or even to eight, for you do not know what misfortune may occur on the earth. — Ecclesiastes 11:2 In the morning sow your seed, and at evening withhold not SETTLE your hand; for you do not know which will prosper, this or that, or whether both alike will be good. — Ecclesiastes 11:6 FOR ONE The Miracle of the Passive Income: Linear versus Exponential Income The analogy of the mango tree is an example of a source of passive income. You do something once — plant the seeds — and after a while, you begin to earn. You continue to earn even while you’re asleep, doing your regular work or having a vacation. by bo sanchez Let’s say you were looking for a job. Somebody approaches you and says, “I am putting up a new business. Can I hire you? I know you’re honest, faithful, dependable and a person of integrity.” Because you need a job badly, you’d say, “Yes! But how much is the salary?” The man says, “I can give you P30,000 a month for three years.”{ 24 } KerygmaMay2009 Want daily Bible readings and Didache reflections in your email? Join
  • 29. You get excited. “Yes, I’ll take the job.” I’m sure many of you would prefer the first option But the man makes a second offer. “I can give you one — the P30,000 monthly salary.centavo on your first month. But I promise to double it on the But you know what? The table on the left showsnext month.” that, over time, the second option would give you a “You mean I’ll get only two centavos on the second higher income than the first.month?” you ask. The first option provides you with a linear income “Yes, and on the third month it will be four centavos. I’ll while the second option gives you exponentialdouble your salary every month. Which do you prefer?” the tries to convince you. Linear income is like a piece of bread. When you eat it, your stomach becomes full. But tomorrow, First Option Second Option you’re hungry again and you don’t have any more Year Monthly Monthly Accumulated bread. You have to look for bread again. Salary Salary Income Exponential income is like the mango seed I 1 30,000.00 30,000.00 0.01 0.01 illustrated to you in the beginning of this article. 2 30,000.00 60,000.00 0.02 0.03 But to have a healthy financial life, you need to 3 30,000.00 90,000.00 0.04 0.07 have both linear and exponential income until such 4 30,000.00 120,000.00 0.08 0.15 time that the latter is big enough to take care of you and your family’s needs, and allows you to share 5 30,000.00 150,000.00 0.16 0.31 more blessings with others. 6 30,000.00 180,000.00 0.32 0.63 7 30,000.00 210,000.00 0.64 1.27 Two Sources of Linear Income 8 30,000.00 240,000.00 1.28 2.55 9 30,000.00 270,000.00 2.56 5.11 1. Job 10 30,000.00 300,000.00 5.12 10.23 Do you see a man skilled in his work? He will 11 30,000.00 330,000.00 10.24 20.47 serve before kings; he will not serve before 12 30,000.00 360,000.00 20.48 40.95 obscure men. 13 30,000.00 390,000.00 40.96 81.91 — Proverbs 22:29 14 30,000.00 420,000.00 81.92 163.83 15 30,000.00 450,000.00 163.84 327.67 Would you like to serve before kings? By that I mean not in the manner that would 16 30,000.00 480,000.00 327.68 655.35 make you a servant or a slave, but in the sense that 17 30,000.00 510,000.00 655.36 1,310.71 you would be so blessed in your jobs that you’d rise 18 30,000.00 540,000.00 1,310.72 2,621.43 up and become promoted and get all the bonuses 19 30,000.00 570,000.00 2,621.44 5,242.87 and commissions. 20 30,000.00 600,000.00 5,242.88 10,485.75 But that isn’t usually the case. You do not decide when you will get a raise or how big it is. You have a 21 30,000.00 630,000.00 10,485.76 20,971.51 boss who decides on such matters. 22 30,000.00 660,000.00 20,971.52 41,943.03 What you need to do to be successful in your 23 30,000.00 690,000.00 41,943.04 83,886.07 job and earn a huge linear income is to have an 24 30,000.00 720,000.00 83,886.08 167,772.15 entrepreneurial mindset or spirit. You must feel as if 25 30,000.00 750,000.00 167,772.16 335,544.31 you are a part-owner of the company. How do you do it? 26 30,000.00 780,000.00 335,544.32 671,088.63 Approach your boss and say, “Boss, give me more 27 30,000.00 810,000.00 671,088.64 1,342,177.27 work.” Create an image of doing things so fast and so 28 30,000.00 840,000.00 1,342,177.28 2,684,354.55 efficiently so that the higher-ups would notice you 29 30,000.00 870,000.00 2,684,354.56 5,368,709.11 and trust you with more work and responsibilities. 30 30,000.00 900,000.00 5,368,709.12 10,737,418.23 As you go up the ladder, you get rewarded. 31 30,000.00 930,000.00 10,737,418.24 21,474,836.47 2. Self-Employment 32 30,000.00 960,000.00 21,474,836.48 42,949,672.95 33 30,000.00 990,000.00 42,949,672.96 85,899,345.91 Then the Lord your God will make you most 34 30,000.00 1,020,000.00 85,899,345.92 171,798,691.83 prosperous in all the work of your hands. 35 30,000.00 1,050,000.00 171,798,691.84 343,597,383.67 — Deuteronomy 30:9 36 30,000.00 1,080,000.00 343,597,383.68 687,194,767.35 KerygmaMay2009 { 25 }
  • 30. When you set up your own sari-sari store, you are self- b. Businessemployed. If you are a doctor and you put up your own When you hear the word“millionaire,”clinic, you are also self-employed. who comes to mind? Maybe the In both cases, you are your own boss. This is a good step likes of Manny Pacquiao, Bill Gates,but it’s not a real business. It’s what you call a “glorified job.” Kris Aquino and other big-nameThere is no exponential income. celebrities, right? A real business is where you hire people working under But do you know what theyou such that you multiply yourself. When you open up surveys say? Only one percent ofanother store and hire someone to work for you, you earn millionaires are famous people. Five percent areexponential income. salesmen working for companies. Ten percent So don’t be content with having a linear income — aim are top doctors and lawyers. Another 10 percentfor exponential income and continue to earn even while are top executives. The rest of the 74 percent areyou’re on vacation. entrepreneurs. Isn’t that amazing?Some Examples of Exponential Income You can’t be a Bill Gates or a Kris Aquino, but canIn exponential income, money works for you. This is where you be a businessman and start a small business inpassive income starts. your backyard? That’s my challenge to you — even if you fail!a. Retirement Fund I’ve failed eight times in business and lost a lot of money. But guess what? Every time I fail, I pick And other seeds fell into good soil and brought myself up and say, “It’s tuition month. I’m learning forth grain, growing up and increasing and yielding something new.” thirtyfold and sixtyfold and a hundredfold. But you see, when you lose in business, you — Mark 4:8 lose money but you earn in financial wisdom. Now, I have 11 income streams. I earn a little here, a little I asked people who bet on lotto how much they normally there but if you collect them all, guess what? Itspend a week in buying tickets. They said around P50. amounts to something substantial. My goal is to For many Filipinos, lotto is no longer a game; they look have 20 income streams, so I’m halfway it as an investment. You see them lining up every week,hoping to win the draw. But do you know the probability of c. Real Estatewinning in the lotto? It’s like being hit by a lightning twice Real estate is a good exponential income source.on the same spot. It’s exponential because you can have as many What I want and pray for is that every Filipino would have lands and properties that you want. Just have thea retirement fund. Do not depend on what your company knowledge. Buy a property without using yourwill give you when you retire at 60. Depend on your own own money.retirement fund. Get a P50-bill from your pocket. Look closely at it. Would d. More Aggressive Paper Assetsyou believe me when I say that inside the P50 you’re holding There’s the stock market, commodities trading, e-now is P50 million? trade (I haven’t tried this. If you don’t know anything You want me to prove it to you? about it, study it — even if it takes one year). You If you invest it at zero percent, it will never become P50 see, the key is not money. The key is knowledgemillion. — knowing what you’re going to do. If you invest it at three percent a year, it will become P50million in 468 years; at five percent a year, in 284 years; at 15 The Next Stepspercent, in 99 years. And so on. To increase your income you need to increase your It might appear absurd — to wait for decades and value. How do you do this?centuries for your P50 to become P50 million. But hey, youdon’t have only P50 in your wallet, right? a. Learn about money. So start building your retirement fund now while you’re Listen. Attend seminars. Read all the books onstill young. money that you can find.{ 26 } KerygmaMay2009 Want to receive daily nourishment for your soul in your cell phone? For Smart and Talk ‘n Text subscribers, text GEMS ON to 4636. Only P2.50/text.
  • 31. b. Talk and teach about money. Whatever you learn after reading my articles on money, share it with your spouse, kids, friends and Bo’s Action Steps: officemates. Teaching is the best way to learn. 1. Assess your present sources of c. Change your regular conversation partners. income. What kind of income If you constantly talk with people who are do you have? interested only in show business, believe me, you 2. Define your goals for yourwon’t learn anything about money. income streams. How many Why don’t you talk about money and business? Every timeyou see a successful businessman and entrepreneur, tell him, “Can income streams do you want?we have coffee? I want to know how you made your business a What are these?success.” Pick his brains for the price of a capuccino. Ask questions, 3. Create a strategy and actiontake down notes and learn all you can from him about money and plans, together with a timetable,business. to achieve your multiple incomed. Look for business opportunities. streams.Keep your eyes open for opportunities. Start by selling anything 4. Work on one income stream at— yes, just anything. a time. Selling is a very important skill. If you do not know how to sell,it would be difficult to succeed in your business. You may say, “Bo,I’m shy. I can’t sell.” Hey, I know a lot of people who are shy and soft-spoken,but they do well in selling. Why? Because the bottomline of anyselling activity is relationship building. It’s not how good you are Laughingly Yoursas a speaker. What’s important is the sincerity of your heart. Andpeople smell that a mile away. If you’re someone that they cantrust, they will buy. But you need to have the drive, that goal, thatdream that you’re working for and you’d be able to sell. So sell A religion teacher announced to her class, “Ouranything. lesson for today is liturgy. Can anybody tell me what liturgy is in your own words?”e. Dream big but start small. Twelve-year-old Pedro proudly stood upStart very small. I started by selling butong-pakwan (watermelon and said confidently, “That’s the letter after F.”seeds). And then learn along the way. After a while, you’ll be sellingjewelry. Maybe you’ll be able to sell something on the Internet. SEND US YOUR JOKES! Text 0917-800-5535;Sell all sorts of products for the experience. Email: Start small but dream big. Do you think I’m a happy person? I’m happy not because I have passive income. I’m happy not because I have multiple income streams. When you lose in business, you lose Every morning when I wake up, I say, “Lord, I’m going to blesspeople today.” Every single morning, I say that. And the Lord allows me to do that — and that is why I want tobe truly rich: to be able to bless and help more people. money but you Let that be your dream, too. earn in financial(For comments or reactions, email me at wisdom. KerygmaMay2009 { 27 }
  • 32. T about money but let’s just just focus on here are loTs of myThs the common ones. They can be represented by the acronym M-O-N-E-Y M-Y-T-H-S for easy recall. As you read, check your own beliefs — do you subscribe to any of these tales? You may not be aware of it, but some of these myths may be hurting your financial life. M – Money is the root of all evil. This is one of the oldest myths about money. I Timothy 6:10 says, “… the love of money is a root of all kinds of evil.” The verse clearly states that the “love for money” is evil and not money itself. Money How is neutral and can be used for either good or bad. Money makes a terrible master but is a good servant when used by those who serve God. the O – Only those born rich can have money. The 40 richest Filipinos included in the October 2008 issue of Forbes magazine showed almost the same names from the past years’ editions. Except for changes in ranking, it’s easy to anticipate the Myths names of Ayalas, Tans and Sys in the list. Does it mean that money is restricted to their families only? If you believe in this myth then the probability of you staying “poor” increases each day. Mark Zuckerberg (CEO and founder of the popular social networking site “Facebook”) is only in his mid-20s and About is the youngest member of US Billionaires list. There are a lot of first generation millionaires who are slowly sneaking into the elite list of various countries (Philippines included). This just proves a point that rich people are not always from rich families. Money N – No money = Holiness According to Luke 18:22, Jesus told the rich young man, “Sell all you have and give the money to the poor, and you will have riches May Be in heaven; then come and follow me.” Does this mean that if you have money you are not holy? Not exactly. Spirituality or holiness does not equate to poverty. God cares for the poor out of compassion but you do not get extra points from God because you remain poor. Your wealth or poverty does not Hurting determine your spirituality, but your service to God and others will certainly do. E – Everything you buy in a sale gives you savings You We need to qualify this myth because it depends on the reason why you are making the purchase. If you need something which happens to be on next Friday’s mall sale, then it’s worthwhile to buy it. However, it would be a different scenario if you go to a sale, By Alvin Fabella buy something because it has a big discount but later realize that you don’t need the item. As much as possible, avoid going to a sale{ 28 } KerygmaMay2009
  • 33. just to window-shop because the discount T – Tithing is the only requirement of God.tags might just influence you to buy wants Don’t assume that when you tithe regularly you are free torather than needs. do what you want with whatever is left. We should recognize that all our blessings come from God and we are accountableY – You project God’s blessing with as to how we spend our money until the last centavo. Anothermoney. myth on tithing is when you promise to give more only whenThe book of Deuteronomy 8:18 says, you receive (or make) a bigger income. Some people vow to“Remember the Lord your God, for it is donate a significant portion of the lotto prize if God allowsHe who gives you the ability to produce them to win. You cannot give a bigger amount later if you dowealth.” not practice tithing with what you have now. It is good to recognize that all yourblessings (material items included) are H – Having insurance or pension is only for “old” peoplefrom God. However, it is not the best way to who are retiring or sickly.promote God to others. Max Lucado, in his Young people tend to avoid anyone who sells insurance orbook entitled It’s Not About You, encourages pension because of the above myth. They should alwaysChristians to be God’s promoter here on consider that premiums for insurance tend to be lower whileearth by showing our triumphs over trials. one is young because there is lesser risk for the provider. ItIt’s always better to show off our godliness is always best to get an insurance or pension plan while youby loving our fellowmen and loving God are young and healthy.regardless if we own a big house or drivethe latest car. S – Saving in the bank is enough. The answer to this myth is very simple: inflation. PhilippineM – Money makes the world go round. inflation for the past two years has been ranging from sixSometimes we confuse money with what is to ten percent. This means that our money loses at least sixactually more important. Money is not the percent in purchasing power every year. Majority of banksmost important thing in life but it affects offer saving accounts which pay only two percent interest pereverything that is important in our lives. year (tax deduction of 20 percent on the interest still to beYou need money to give your family both applied). This means that your savings now, no matter howa comfortable house and food to eat every big, will just continue to decline in value. There is a need forday. But there is a big difference between one to consider other investment vehicles like bonds, stocks,being concerned about money so you can mutual funds and others. It should not be a problem lookingbe a good provider versus being obsessed for a friend who can help you in this area.with it. How we deal with our money is important. The above myths will affect your decisions in money management.Y – You have God’s approval if you have Always make sure to learn the facts and make proper use offinancial prosperity. your money.We know that not all rich people acquiredtheir wealth through lawful means. We (For comments or reactions, email the author at alvinfabella@yahoo.cannot measure God’s approval by the size com)of one’s house or bank statement. If youare blessed with such material wealth thenyou should be thankful and find ways you You cannot give a bigger amountcan help others with it. Your wealth is not later if you do not practicea sign that God favors you more than alesser fortunate brother or sister. tithing with what you have now. Want daily Bible readings and Didache reflections in your email? Join KerygmaMay2009 { 29 }
  • 34. I absolutely love talking to Rex Mendoza. Sure, he’s a self-made man and quite successful. But Rex wants more — he aims for significance. His purpose is to make a difference in other people’s lives. Just doing the interview with him made an impact on my life. Know why? Listen in on our conversation. Bo: You’ve been giving talks to people about financial management. You seem very passionate about it. Rex: Yes, it has been my advocacy to make people learn about money management. After my talks, people would approach me and say, “The money’s really not enough, Rex. There is nothing to save.” And I ask them, “When will it ever be enough?” The point is for you to really take something out of your take-home pay and then, whatever is left, you try and make it enough. As your income grows, continue setting aside a part of it and then before you know it, what you’ve set aside can already work for you. I think I remember telling you about “man at work, man and money at work, money at work” — the three stages of money consciousness. Maybe 95 percent of Filipinoas are in the first stage of money consciousness. They study, grow up, get a job, have a family, get that car, try to get that house and then they retire — that’s it! But if you have this consciousness to save and invest, you can have man and money at work at a certain stage and you can enjoy REX life because you’re not hard-pressed to earn money all the time. You can enjoy your work without having to look at the money side. MENDOZA: What I’d like to happen is for people to be conscious of those three stages because the dream should be to get into the money-at-work stage so that you can stopThe Good Influencer working or just do the things you love to do. That’s the reason why I admire people who, at a certain stage in their lives, just become philanthropic. From success, they switch to significance. For now, at my age, I’m still looking at more success but His Purpose Is to Make I see that side of me that says there has to be significance later. You don’t become a person of legacy with only a Difference success. There has to be significance. Bo: You have a very good theory about the lotto. Can you share on that a bit? An Interview By Bo Sanchez Rex: Do you notice that wherever there’s a lotto terminal, there’s a queue? Those guys are probably thinking, “It’s time to hit that jackpot.” Many of them are already thinking about what they’d do in case they win. They’re already planning for something that’s not bound to happen. Why? Do the math. In lotto, your chances of hitting that jackpot is 1 out of 14 million. If that doesn’t sound so absurd, let me describe it to you in a picturesque way. It is like getting hit by lightning twice on the same spot. interview By An That’s how odd it is. Bo Sanchez{ 30 } KerygmaMay2009
  • 35. At your age, Bo, have you been hit by lightning? Not yet. But supposing you were struck once, then you have to stay there and get hit a second time. That is your chance of hitting the jackpot. Now, look at our countrymen — instead of setting aside the money, they bet on chance. Bo: That’s right. Rex: They’re actually projecting their future based on chance. It’s largely culture-based. A lot of poor people One thing Rex is passionate say, “That probably is what God wants for me.” That’s a about is teaching people to be responsible for their financial defeatist way of looking at things. As far as I’m concerned, lives. God gave you the freedom to decide. He probably knows what will happen, yes, but you still have the freedom to decide. So would you like to live your life based on easier for a camel to get through the eye of the needle chance? Or would you like to put up the building blocks than for a rich man to enter the Kingdom of God.” I think that will be the foundation of real wealth? As I was telling it’s OK to get rich as long as you have the right purpose. my driver, P20 in my pocket is more secure than putting So, in my case, clearly it’s not only getting rich but also P20 into that lotto. (I haven’t bet my money on the lotto providing a template for people that says, “Hey, follow this and I take pride in saying that.) Others would rationalize track because it works.” I’m still young, my dad’s still alive that if they don’t win in the lotto, at least they’ve given (my mom just died a few years ago), but they lived in my something to charity. Well, if you want to give, you have house for the past 12 years because my mom had a stroke to do it as charity itself, not through lotto. and I asked them to move to my place where it’s safer. When you try to win a jackpot on a regular basis, that’s What am I trying to say here? I’m pushing the idea that, investing. You just chose a bad instrument. Why? People “Hey, I’m not getting any inheritance. I’ve worked for the line up with a small sheet of paper with the numbers money I have. I never really got anything from anybody they regularly bet on. Some people even bet on the same that says, ‘OK, Rex, this is your capital.’” I started working numbers for years! If you set aside P10 to P20 a week with a company that paid me P1800 a month. Everybody for lotto, hoping to make a withdrawal one day, that’s started off that way. The reason why I’m energized to share investing. But obviously, 99.99 percent are not going to this story is to tell people they can do it, too. Anybody can have that payback. do it. You just need discipline and you have to be really grounded with your purpose. If you’re just looking for Bo: And then they hear stories of really poor people money, not purpose, you can be successful but it’s going winning the jackpot — a farmer, for instance — so the to be short-lived. Because as long as you don’t have a more they put their hope in the lotto. sense of purpose, you’re not going to be grounded. And if Rex: They want to be emancipated from their lot. But you’re not grounded, you’re going to do the wrong things. that’s not what they need. What is necessary is a mindset That is very crucial. shift — that their future, their life, their destiny is in their hands. If you have the talent and you can harness it, why Bo: What is your purpose, Rex? not use it to improve your situation? Rex: To make a difference. I feel that I have a way of linking But some poor people even spiritualize their poverty up with people that can move them. I have the gift of gab. and point to that verse in the Bible that says, “It will be I will not be humble about it. But I use that not to con people into something but to teach and educate well. I have taught in the graduate school of business of a big university for a long period. It’s a matter of throwing back, breeding a kind of idealism into the young guys. Making a difference for me is on the influence side. I know I’m a good influencer. Somebody did a psychological exam on me and it’s very enlightening. It revealed that I’d rather believe the purpose of a task than the money it’d bring in. You know what I told them? “Hey, that’s what brings in the real money.”His family is the reason why Rex does what he does and why having a secure (Email the author at future is a must for him. They deserve nothing but the best in life.Above photo shows his real treasures in life: eldest daughter Peevee, wifeAnna, youngest child Reanna (front) and only boy Enro. KerygmaMay2009 { 31 }
  • 36. Receive Bo’s INVITING!!! All Catholic Charismatic communities, prayer groups and weekly email ministries throughout the Philippines letter for 5th National Catholic “Spirit-Filled Communities Growing Together as the Body of Christ” FREE! Charismatic Congress If you want to grow in your Date: Venue: May 28-31, 2009 Cebu International Convention Center spiritual, family, emotional, Cebu, Philippines Spiritual Directors, formators and key leaders are speciallyand financial lives, each week exhorted to attend. REGISTRATION FEE (includes meals, kit and handouts) Bo Sanchez writes On or before February 15, 2009 – P 800.00 February 16 to April 30, 2009 – P 900.00The Bo Sanchez May 2009 & On-site Registration – P 1,000.00 For information, contact the Congress Secretariat:Soulfood Letter. Nacing Gonzaga: Telafax No. (032) 256-0659 Cell. No. 0917-752-3244 Rhea Mantuhac: Tel. No. (032) 516-4749 Cell. No. 0927-631-5865It’s consistently powerful, often funny, and always Log on to: inspiring. Join the Force. By the way, it’s absolutely free. Change the World.Log onto now and click on SOULFOOD. We’re looking for volunteers who want to bless others with God’s love. Be a Shepherd today. Bo Sanchez Catholic Lay Preacher Call and Bestselling Author{ 32 } KerygmaMay2009 725-9999
  • 37. By Jonathan RickardT he village of gK Baseco has in recent years been renowned both in the Philippines and around the world for its transformation from hopelessness to hope, from despair to dignity. Visitors New life emerges for Baseco residentsfrom diverse backgrounds have graced the village— from the president of Singapore, to students fromManila’s universities, to employees and executivesfrom multinational corporationsand government departments. In turn, residents of Baseco Baseco GK Caretaker Team’s Presenceare often found building housesfor others in remote areas of thePhilippines as part of GK’s Bayani Caretakers When asked what makes the biggest difference in Baseco’s ongoing transformation, Jun has no hesitation in crediting his caretaker team.Challenges. Giving Care “It’s the presence of caretakers!” Jun exclaims unreservedly. GK’s strength over the years hasA Difficult Transformation been the presence of couples, singles and youthSuch are the manifold success from Couples for Christ, working alongside thestories of Baseco that it’s easy to forget how difficult it is to residents and witnessing to them with their hands, not justachieve transformation. For Project Director Jun Valbuena their words.and his Caretaker Team, the struggle has been a labor of love “It is showing them the love that we share with them,” Junforged over the last four or so years of their lives. Many of notes, sounding a word of caution. “I would say that wheneverthem have worked alongside the villagers in Baseco since the we see a site that is deteriorating in any way, it’s because ofstart — when GK Baseco was resurrected from the ashes of a an absence of caretakers.”fire in the slum area in 2004. Conversely, the most significant transformations have And given the many obvious changes, Jun Valbuena is come about as a result of doors opened by the work of addressingstartlingly circumspect. poverty. “We’re able to invite people into our community — to “After four years we’ve seen a little change,” Jun witness to them — because they see something good in us.”says, surprising those who see the incredible before-after “We run the Christian Life Program (a Catholic renewalcontrasts. “You cannot change the people overnight. But seminar) here because we want the GK residents to bewe’re experiencing some changes, some transformation in protected. If there is no one to take care of them, to mentorthe people.” them, they will go back to being in a slum again. The survival “Habits of a lifetime can be hard to change,” Jun says, mode is very hard to leave.”especially for adults who have lived most of their lives in For Jun Valbuena and his team, commitment to thea slum. And GK works hard to prevent their villages from residents of Baseco arose from positive change in their ownslipping back into the slums. Still, over four years, things lives. “For me, I’ve been in our community for the last 24have progressed significantly. years. There was a big change in my life since I joined and I want to share it with the people, with the couples here. I amRenewal of Minds and Spirit encouraged to do even more to show them our love when I see“Little by little we’re transforming the people,” Jun says. transformation in the lives of the residents.”“Each Monday for the last four years, we have a prayer and He smiles and says, “I think for every GK worker it is likeworship session at 8 a.m. We pray together and talk about this. That’s why we stay — it’s because of love! We want totheir problems and challenges.” share the love that we’re experiencing in every GK site.” Where in the past, GK provided leadership to a community “It’s bringing glad tidings to the poor,” he affirms. Andstruggling to face life’s trials, many residents are now forging walking around Baseco meeting children with a future brightertheir own way forward. “They’re the ones bringing the than ever before, visitors can see the legacy of the caretakers’solutions (to problems),” Jun relates. “We just talk it over love taking shape day after day, step by persevering step.with them.”Looking for a friendly Internet forum for advice and fun? Go to KerygmaMay2009 { 33 }
  • 38. { 34 } KerygmaMay2009
  • 39. kitchen T his is going To be another one of those articles scribbles about little things we take for granted. I’ve already written similar articles in past issues, so if you’re sick of it, email the KERYGMA editor two polite words — “Point taken.” Or write by rosanne romero me two words (“Quit it”) on my blog (rosanneromero. I want to focus on that small, fat and short finger we call the thumb. You’re thinking, “What’s the big deal?” Disdain Some months back, I lost the use of my right thumb. At first, it just started getting weaker. Later, it became stiff, inflexible and painful. It was hard for me to make people see why this was upsetting me. After all, I stillNot Thy Thumb had four fingers left, right? Without a thumb, there would still be four fingers functioning and with four fingers there are many things you still can do. Like? Flush the toilet. Switch off a light. Pat your dog. Scratch your head. Put your hair back in place. True. But listen to this — when Julius Ceasar waged war over Gaul, he ordered his men to amputate the thumbs of all the captured warriors so that they would go back to their homeland and never be able to bear arms again. See that? So, verily I say unto you: “Disdain not thy thumb.” (That’s in Fake-lesiastes 78:19.) Other than bearing arms for war, there are unpolitical, everyday tasks that become maddeningly difficult without the thumb. Try frying anything with just your four fingers — hmmm. Try buttoning a shirt — tsk! Try pulling a zipper up or down — double tsk! Use a nail clipper — sigh! Get bills from your wallet or get a coin from your coin purse — darn! Hold a bar of soap? What the…! Turn a doorknob? Grrrrr. Tie your shoelaces? Double grrrr. Try holding a toothbrush. Arrrgh. Try flossing your teeth! Double arrrrgh! You can drive without your thumb… if you can get the key in and start it with four fingers — qwjd!!#nchfgiuhvj@#! The thumb is quite a big deal. It’s not an insignificant body part. It only seems insignificant because yours functions normally. Go over all the things you do in one day that requires using your thumb. If you suddenly lost it, you would have a better appreciation of it. This is why I write about these little things I suffer on account of my multiple sclerosis (MS). I want my life to honor God — this life now — the one that has a problematic thumb, wobbly legs, slightly deteriorated vision, etc. I want this life of mine to honor God. And I honor Him by bringing to fore the little blessed things we rarely thank Him for. (Email the author at KerygmaMay2009 { 35 }
  • 40. BUILDING PERSONAL WEALTH - THE EASY WAY Learn to invest successfully through online stock trading. Leading online stock brokerage firm performing. “The beauty of this program would often be interrupted by telephone CitisecOnline (COL) is helping raise up a is that customers direct and control their calls from his other clients. Moreover, it new breed of investors ready to make own investments by deciding on the would take a while for her broker to buy the most of opportunities offered by the amount of money you want to invest and and sell stocks for her so she would stock market. As part of its commitment for how long with the help of COL’s often not be able to trade at the prices to help Filipinos achieve their financial platform and stock selection”, Bate adds. she wanted. goals, COL has launched a simple yet effective investment program that has Through COL’s EIP, customers need “I can trade on generated a stream of inquiries, many of not have determine when to buy or sell hard data, not which were from investors who have little and what stocks to invest in. COL Vice- on speculation.“ or no knowledge of the stock market and President and Head of Investor at the same time, may have minimal Education Juanis Barredo explains that BILLIE SYLING BUSINESSWOMAN & funds to invest initially. online trading has made it a lot more HOUSEWIFE convenient for customers to enjoy the The COL Easy Investment Program benefits of cost averaging. "We have (EIP) employs an effective and proven simplified the process so that even first- investment method called cost-averaging time investors can profit from it." The that minimizes risks in the stock market COL Easy Investment Program pares while offering the benefits of wealth down the choices of investors to a pre- generation through investments in any of selected list of Premium Growth Stocks. the pre-selected list of Premium Growth These companies with a proven track Stocks. The cost averaging method is an record and posse’s qualities that will established wealth-building tool continue drive shareholder value in the The internet which provides employed by many individuals as well as long-term. information and automated access to the some financial institutions worldwide. stock market changed all that for her. According to Dino Bate, President of To help first-time investors learn Through COL, she now gets company CitisecOnline, "We’ve simplified and about the stock market and to get started and stock market information real-time. aided the investment process by trading online, CitisecOnline launched She appreciates that she can check automating the cost averaging method the COL Investor Seminar Series, which issues traded, volume of transactions and providing additional features in our offers various seminars and briefings, and ever find out who are buying andPAID ADVERTISEMENT online platform to make it convenient for free-of-charge to all interested investors. selling. She says, “I can trade on hard all investors to access and invest in the Over the past two years, over 10,000 data, not on speculation. When I hear of stock market”. Filipinos nationwide have attended the good buys from my friends, I can check COL Investor Seminar Series. People the hard data myself and use that to COL customers simply have to from all walks of life, including back my decisions.” choose from a list of pre-selected employees, students, entrepreneurs, companies carefully qualified by COL’s overseas Filipino workers and policemen Catholic lay preacher and best-selling seasoned financial analysts. They can learn about how to spot opportunities in author, Bro. Bo Sanchez was one of schedule their investments by setting up the stock market. Until recently, investors those who took up COL’s challenge to a fixed amount to be invested at regular like Billie Syling, who with her husband learn more about online stock trading intervals through COL’s online platform. runs a family business supplying industry even if he did not have any financial Customers will be reminded through mills and heads the Alumnae Association training. He attended a COL seminar in email prior to their scheduled investment of Immaculate Concepcion Academy, March 2007 and since then has been dates and they will be able to track their used to rely on a broker for advice and to buying selected shares from what he portfolio over the internet anytime and execute trades. She found it frustrating believes are solid, enduring and growing see how their investments are when her conversation with the broker companies. Continued on page 38. 136 } KerygmaMay2009 {
  • 41. k M y one-year-old daughter,Helene, is a math genius. When you ask her, “One plus one?” She will answer, preacher “Two!” But you may say that there are a lot of one-year- olds who can answer that simple question. However, when you continue to ask her a series of math questions, you will agree with me that she is really a whiz kid. We tried to do that and it blew our minds away. by arun gogna “Helene, four minus two?” One She blurts out, in her same high-pitched tone, “Two!” “How about ten minus eight?” Plus She answers, “Two!” So we continued. “One hundred divided by fifty?” “Two!” One And now we ask the hardest one, “Square root of four?” Without batting an eyelash she answers, Equals “Two!” She’s a genius (like Daddy)! Seriously, let’s get to my point. I was thinking Two! about this one day — how it is so amusing that she can answer every single math equation we ask her with just one number. Then it dawned on me: Life could be as simple as that. We may have a host of questions about the cards life deals us, but to it all we can only supply one answer in order to live serenely. The answer? “Jesus, I trust in You!” Living day to day could be a great challenge, especially nowadays, but there is only one key answer: trust. Did you just lose your job? Say, “Jesus, I trust in You.” In times of sickness or confusion, find the strength to utter, “Jesus, I trust in You.” If friends or family abandon you, just pray, “Jesus, I trust in You.” Always remember the phrase, “Jesus, I trust in You,” when you are in pain. When you are questioning everything that is happening to you, just believe in this one mantra — “Jesus, I trust in You.” Even when (and especially if) God seems to be silent, cry out, “Jesus, I trust in You!” This simple prayer was prayed by our great saints in their deepest time of tribulation. That is why they were victorious. That is why they are holy. If it is prayed from the heart, the phrase will give us enough faith to face not just your day but your lifetime. “Jesus, I trust in You!” Let’s make it a habit. It doesn’t only answer the “math problems” of life, but every possible life subject we can think of. So, what is our answer if we want to be a genius in this course called life? Yup, you got it, “Jesus, I trust in You!” It’s simple really! Take it from my Helene. One trusting heart and one all-loving God equal two. To invite Arun in your events, contact Creative House at 401-8238. Also checkHelene’s a real beauty like her mom, Lallaine his website at KerygmaMay2009 { 37 }
  • 42. Learn to invest successfully through online stock trading. _______________________________________________________________________________________________________PAID ADVERTISEMENT Bro. Bo takes five to ten minutes each day from his busy schedule as a leader of a large Catholic charismatic “I take a peek to see community, international speaker, TV host and family man, to check his stocks. “I take a peek to see what’s happening. I what’s happening. I buy about once or twice a month, and much more when prices buy about once or are down.” twice a month, and much more when Having delved into stock investing at a time of market volatility, Bro. Bo is adding on to his portfolio of quality stocks prices are down.” as he sees this as an opportune time to invest in these BO SANCHEZ companies. He intends to cash in on his investments at the CATHOLIC LAY PREACHER & right time and encourages all to become financially literate BEST-SELLING AUTHOR through programs like COL’s education seminars. Like Bro. Bo and other investors who are very busy with CitisecOnline posted a 22% growth in net profits in the their own schedules and are just starting to invest in the stock first half of the year to Php73 million. COL conducts free market, Bate says that the COL Easy Investment program is one-hour briefings every week on the Easy Investment an ideal entry point to the stock market for all investors. "This Program and twice a week 3-hour sessions for the Basics program caters to all even if they do not have the time and of Stock Market Investing at the COL Training Center, 24-F experience to invest in stocks. As investors become more Philippine Stock Exchange Center in Pasig. Learn more confident in the stock market, they can avail of the greater about CitisecOnline at or call (632) opportunities offered to them by online trading." 6-333-777. 2{ 38 } KerygmaMay2009
  • 43. one last I Was Prepared for story My Death By Raymond C. Eli caño But God Had Other Plans for Me ly The Elicaño FamiA s I prepared my farewell The Sweet Scent of Roses rare condition called cystic nephroma letters to my wife and children, My brother Mike, a devotee of Our Lady, — and that means my cyst was benign. I recalled a prayer I said almost Mediatrix of All Graces, encouraged Only around 200 such cases were 20 years ago when a senior me to make a pilgrimage to the Carmel documented in the United States since it executive in the company I Monastery in Lipa, where our Blessed was first identified in 1890. A pathologistworked for died of cancer. Mother Mary appeared in 1948, said that my condition was so statistically “Lord, I pray that when I die, it would accompanied by showers of rose petals. improbable that it was like I had won firstbe of cancer so I can prepare myself The shower recurred in 1991 and my prize in lotteries and sweepstakes severalspiritually.” brother got one petal with an image of times over! Convinced that God was granting Jesus. He lost his petal a few years ago. Deep in my heart, I firmly believeme one final blessing by allowing me to Miraculously, my brother’s wife found that through intense prayers and thecontract cancer, I started preparing myself it the day before my operation and she intercession ofspiritually before I went under the knife to immediately brought it to me. Our Lady, Maryremove a 7.6-inch cyst (19 centimeters) On August 19, weak and in pain, Mediatrix ofin my left kidney. Despite my wife’s I made a pilgrimage to the Carmel All Grace, myreluctance, we made legal preparations in Monastery. While praying in the vigil operation wentcase I didn’t survive the operation. room, I smelled a very strong scent of successfully What I wasn’t prepared for was how roses, which I attributed to what I thought and the cystGod, through Our Lady’s intercession, were real roses adorning the walls of the was renderedwould answer my prayer. prayer room. I felt being embraced by so benign. The much love that it moved me to tears. scent of rosesFalling Ill that she sentAround February 2008, I started Comfort During Surgery my way gaveexperiencing pain in my left rib area and On August 26, 2008, I went through a me strengthlost more than 20 pounds. On August 14, radical nephrectomy, lasting for 8-1/2 to survive the2008, during my annual executive checkup, hours, to remove my cyst, left kidney and operation anda cyst almost the size of a small watermelon adrenal gland. Just before I was brought quickly recoverwas found in my kidney. It was so big that into the operating room, I smelled a faint from completely engulfed my left kidney so scent of roses although there were nothat the kidney was barely functioning. It flowers in the room. This comforted me The Bestpushed aside the organs in my abdominal greatly and I felt peace. Preparationcavity and compressed my left lung so that it Anticipating heavy blood loss, the But more thancouldn’t expand fully. In addition, the cyst doctor advised us to prepare seven blood the physicalwas beside the aorta, making the operation donors. Everything went smoothly during healing, theto remove it somewhat risky, giving me the operation. I recovered quickly and miraculous occurrences before, duringonly a 50 percent chance of survival. The this surprised my doctors. Two days after and after my surgery led my family andurologist said that 90 percent of all cysts the operation I could walk around the me to the path of spiritual renewal.larger than 10 centimeters are malignant. hospital room. We have become more prayerful andAn oncologist said that treatment for kidney cognizant of the many blessings thatcancer is long and painful and, again, the Rare Finding God has given us. My wife and I havesurvival rate is only 50 percent. A team of six pathologists from the committed to contribute to church and All these prognoses led me to prepare National Kidney Institute and Asian other worthwhile activities to help themyself for death but not without losing Hospital examined the cyst. After more poor and the needy.hope in God’s love for me and in our than a week of careful examination and And that, I guess, is the bestBlessed Mother’s intercession. research, they concluded that I had a very preparation of all! KerygmaMay2009 { 39 }
  • 44. point of of contact pointcontact bo sanchez I pray that you receive your miracles in Jesus’ name!I PRAY THAT GOD LIFT YOUR TRIALS, heal your diseases, bless your problems and direct you to the path He wants you to take. I pray that God remove your fears and give you the courage to surrender your burdens to Him. So place your hand over my hand, and let’s pray with trust, together with our prayer team of intercessors praying for you right now… This page is our Point of Contact, our spiritual connection. Say after me… In the Name of the Father, the Son, and the Holy Spirit. Lord, I surrender to You my worries and anxieties. I surrender to You my needs, my problems, my trials. I place them all in Your big hands! And I open myself to all that You want to give to me! On this day, I say yes to Your love, to Your blessings, to Your healing, to Your miracles! And Lord, specifically, I ask You for the following miracles for my life... I believe that You answer my prayer in the best way possible! And I thank You in advance for the perfect answers to my prayers. I also ask for the special intercession of Mama Mary. I pray all this in the Name of the Father, the Son and the Holy Spirit, Amen! SPECIAL INTENTION FOR THIS MONTH: Bless the readers of KERYGMA, Lord. Plant in their hearts the desire to be truly rich in all areas of their lives — spiritual, emotional, social and financial. Inspire them to study and learn all they can so they would grow and be fully alive. Purify their hearts of any wrong motivation for desiring wealth. Let loving You and blessing Your people be their ultimate goals. Grant them courage to stand up again when they fail or lose in their endeavors. May they find their true blessing in a rich relationship with You. Amen. Praying for you, Email your prayer requests to me at or write to me at Shepherd’s Voice Publications, #60 Chicago St., Cubao, Quezon City, Philippines 1109. Let me know, too, if your prayers have been answered. { 40 } KerygmaMay2009