Peranghindibitin pdf 2011ver3fordistrib-ardy roberto

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Peranghindibitin pdf 2011ver3fordistrib-ardy roberto

  1. 1. Based on scripture truth, research and experience Ardy Roberto Author, Buhay na Hindi Bitin, Pera na Hindi Bitinwww.saltandlight.ph
  2. 2. Everyone has different sources and kinds of stress
  3. 3. Goodyear Plant ClosedBecause of Global Financial Crisis
  4. 4. Job Fair
  5. 5. China job fair
  6. 6. Your money or your life?Adolf Merckle (World‟s 94th richest, Germany‟s5th richest) stressed out by financial crisis:Commits Suicide (Jan 6-09)
  7. 7. Adolf Merckle (World‟s 94th richest,Germany‟s 5th richest) stressed out byfinancial crisis: Commits Suicide (Jan 6-09)
  8. 8. warning:―People whowant to get rich fall intotemptation and a trap and into manyfoolish and harmful desires that plunge meninto ruin and destruction. For the love ofmoney is a root of all kinds of evil. Somepeople, eager for money, have wandered fromthe faith and pierced themselves with manygriefs‖1 Timothy 6:9-10
  9. 9. P80M Lotto Winner,Naputulan ng Kuryente."Last Sunday‘s debut telecast (TrueStories on QTV featured) the story ofa man who won over P80 millionplaying the lotto sweeps—andeventually lost most of it. In fact, hisfortunes have fallen so low that theelectricity in his ―mansion‖ has beencut off, and his kitchen shelves arebare. (Inquirer.net, 1/29/10.
  10. 10. Florida Lotto winner wishedhe had never won.Family members say AbrahamShakespeare, a truck drivers assistant,was constantly hounded for a piece ofhis $30 million lotto winnings.Shakespeares brother told TheAssociated Press that Shakespeareoften wished he had never bought thewinning ticket. `` `Id have been betteroff broke. He said that to me all thetime, Robert Brown said. (In April of2009, Shakespeare was murdered andburied in the backyard of his friend.)Read more: http://www.miamiherald.com/
  11. 11. ―…I have come that they may havelife, and have it to the full.‖- John 10:10i.e. ang buhay na hindi bitinEnemy uses money to tempt and trap usand steal our joy…
  12. 12. Fact:90% of Filipinos are ―broke or will diebroke‖-Bank of the Philippine Islands (BPI) study
  13. 13. Truth:"For I know the plans I have for you,"declares the Lord, "plans to prosperyou and not to harm you, plans togive you a hope and a future.‖Jeremiah 29:11
  14. 14. Truth:―And my God will meet all your needsaccording to His riches in glory in Christ Jesus‖ (Philippians 4:19)Sa Tagalog,―At buhat sa hindi mauubos na kayamananng Diyos, ibibigay niya ang lahat ng inyongkailangan sa pamamagitan ni Cristo Jesus.Purihin ang ating Diyos at Amamagpakailanman! Amen‖ (Filipinos 4:19-20, MBB)
  15. 15. Based on scripture truth, research and experience Ardy Roberto Author, Buhay na Hindi Bitin, Pera na Hindi Bitinwww.saltandlight.ph
  16. 16. Money – earning,saving, managing...Confusing andstressful…
  17. 17. The Bible has500 verses on prayer;500 verses on faith; but over2,000 verses on moneyand possessions.
  18. 18. O God, I beg two favors from you before I die. First, help me never to tell a lie.Second, give me neither poverty nor riches! Give me just enough to satisfy my needs.For if I grow rich, I may deny you and say, "Who is the LORD?"And if I am too poor, I may steal and thus insultGods holy name. Proverbs 30:7-9 (NLT)
  19. 19. Diyos ko, may hihilingin akong dalawang bagaybago ako mamatay:Huwag akong hayaang maging sinungaling.Huwag mo akong payamanin o paghirapin.Sapat na pagkain lamang ang ibigay mo sa akin.Baka kung managana ako ay masabi kong hindi nakita kailangan.Baka naman kung maghirap akoy matutongmagnakaw, at pangalan moy malapastangan. Kawikaan 30:7-9
  20. 20. ―enough‖ ―sapat‖ = contentment
  21. 21. "Yet true godliness with contentment is itselfgreat wealth. 7After all, we brought nothing withus when we came into the world, and we can‘ttake anything with us when we leave it.― (1 Timothy 6:6-7, NLT)
  22. 22. ―enough‖ ―sapat‖ = contentment throughstewardship mindset
  23. 23. ―The earth is theLORD‘s, and everything in it, the world, and all who live in it‖ Psalm 24:1
  24. 24. ―Naked I came from my mother‘s womb,and naked I will depart. The LORD gaveand the LORD has taken away; may thename of the LORD be praised‖ (Job 1:21).
  25. 25. purpose = faithful stewardsparable of the talents Matthew 25:14-30
  26. 26. ―Well done, good and faithful servant! Youhave been faithful with a few things; I willput you in charge of many things. Comeand share your masters happiness!‖ (Matthew 25:23. NIV)
  27. 27. stewardship case studiesguess who?
  28. 28. champion boxer – earned $300M career (P13.5B)employed 200 (drivers, bodyguards, chefs, gardeners, etc)$4.5M on cars and motorcycles$3.4M on clothes and jewelry$7.8M personal expenses$140,000 tigers + $125,000 trainer$2M bathtub as gift to wife$410,000 birthday party$230,000 cellphones2005Utang/Debt = $38M
  29. 29. champion boxer – champion gastador2005Utang/Debt = $38M
  30. 30. world champion boxer – pinoy from gensan
  31. 31. champion workerLives simply – no malls, no moviesReadsLaundry womanHusband – jeepney driverSent 5 children to school – all workingNever asked for advance on salary
  32. 32. Kung mayroon lang tayongpagkain at damit, tama na rawiyon, dapat kuntento na tayo(Paul to Timothy - 1 Tim 6:8)
  33. 33. Tale of two workersLitaLives simply – no malls, no moviesReads for enjoymentLaundry womanHusband – jeepney driverSent 5 children to school – all workingNever asked for advance on salary
  34. 34. Tale of two workersLoriGastadorText / loadDVDAsawa – spends on cigarettes/yosi, alakAlways asks for advance
  35. 35. ―You earn wages, only to put them in a purse withholes in it‖ (Haggai 1:6b)
  36. 36. work story -ham cookcall centergardenermail room clerktest subject – sleep deprivation studyfire extinguisher salesmanencyclopedia salesmanwriteremployee - entrepreneurconcert promoter
  37. 37. “Most Successful Failure”
  38. 38. “Everything that wecould do wrong, we did wrong...”
  39. 39. sobrang lugi!nabaon ako sa utangsold the business
  40. 40. bible studyapplied God‘s wordmiracles of faithful stewardship- zero debt within 1 yr- married within means- honeymoon in Europe
  41. 41. ―I know what it is to be in need, and I knowwhat it is to have plenty. I have learned thesecret of being content in any and everysituation, whether well fed on hungry, whetherliving in plenty or in want. I can do everythingthrough him who gives me strength‖(Philippians 4:12-13)
  42. 42. "Ang mapagkakatiwalaan sa maliit nabagay ay mapagkakatiwalaan din samalaking bagay; ang mandaraya samaliit na bagay ay mandaraya rin samalaking bagay." (Lucas 16:10 MBB)
  43. 43. "Kaya kung hindi kayomapagkakatiwalaan sa mga kayamananng mundong ito, sino ang magtitiwala sainyo ng tunay na kayamanan? At kunghindi kayo mapagkakatiwalaan sakayamanan ng iba, sino ang magbibigaysa inyo ng talagang para sa inyo?" (Lucas 16:11-12 MBB)
  44. 44. Pagtiyagaan ang mga trials and hardships because...―Consider it pure joy…whenever you face trials of many kinds, because you know that the testing of your faithdevelops perseverance.‖ James 1:2,3
  45. 45. Dec „99-May 2000Crisis situation – Very ill, suspected to have bone cancer or leukemiawww.saltandlight.ph
  46. 46. “Missed diagnosis”www.saltandlight.ph
  47. 47. June 2000“SLE”Systemic Lupus:Attacked multiple organs, esp kidneys, nervous system, etcVery bad prognosis..www.saltandlight.ph
  48. 48. October 2000My “Miracle”:Patient• Kidney damage reversed• No chemotherapy• No Dialysis• Minimal medication• Lupus quiet since 2000 www.saltandlight.ph
  49. 49. Kodigo para sa mga may problemangbitin na pera...
  50. 50. strategy 1Save
  51. 51. Mag-iponPara makaipon ng iyong unangmilyon, kailangan mong mag-umpisasa pag-iipon ng piso-piso. Huwagmong isipin na maliit ang piso paraipunin.
  52. 52. The “Automatic Millionaire”Savings System
  53. 53. Amazing savings
  54. 54. example:save P750 every month byautomatic transfer or deposited to yourspecial savings account na nagbibigay ng atleast 7.5% interest per annum (or per year).P750@ mo3 yrs = P30,0005 yrs = P54,00010 yrs = P132,00020 yrs = P400,00030 yrs = P1,000,000!
  55. 55. Ang galing ‗no? Sabi nga ng genius na siAlbert Eintein, ―The most powerful force inthe universe is compound interest.‖
  56. 56. SACRIFICE…
  57. 57. www.youngmoney.com/savings-goals/calculator
  58. 58. ―Ang tao na ipon ng ipon, pera niya‘y ‗dililipad na parang ibon!‖
  59. 59. Why save?
  60. 60. Ang purpose ng pag-iipon is so that wemay become generous and able tosupport ourselves and our family (andeven our extended family who may needhelp).
  61. 61. Sabi ni Solomon:―Good people leave an inheritance totheir grandchildren, but the sinner‘swealth passes to the godly‖ Proverbs 13:22, NLT
  62. 62. Para hindi tayo magiging pampabigat samga anak or kamag-anak natin. Thefinancial experts recommend the20-20 savings retirement formula…
  63. 63. Save 20% of your income,20 years before you wantto retire
  64. 64. ―There is only one reason that Godsupplies a surplus of wealth to aChristian--so that he will haveenough to provide for the needs ofothers.Because true wealth comes withthe gift of giving.‖
  65. 65. Ang daming revelations about money saBible ano? When I became a Bible-reading Christian, nadiscover ko nabefore you ―pay yourself first‖ you shouldfirst ―pay‖ or honor the Lord by giving Himthe ―first fruits‖ or a portion of yourearnings. This is the second strategywhich we shall discuss
  66. 66. strategy 2give
  67. 67. ―Give generously to him anddo so without a grudgingheart; then because of thisthe LORD your God will blessyou in all your work and ineverything you put your handto.‖– Deuteronomy 15:10
  68. 68. "Why does God provide anaccumulation of wealth? SoHis people can exercise thespiritual gift of giving.‖– Larry Burkett
  69. 69. Giving is a sign that God‘s love is in you:―If anyone has material possessionsand sees his brother in need buthas no pity on him, how can thelove of God be in him?‖ (1 John 3:17, NIV)
  70. 70. strategy 3get out of debt andstop borrowing
  71. 71. “Let no debt remain outstanding,except the continuing debt to loveone another, for he who loves hisfellowman has fulfilled the law‖Romans 13:8
  72. 72. Ways to get out or stay out of debt
  73. 73. 1. Borrow from a pessimist
  74. 74. 2. Budget for debt repayment – don‘t go into denial
  75. 75. 3. Communicate with your debtors
  76. 76. 4. Plastic surgery
  77. 77. Vangie‘s story:Racked up P100,000 credit card bill.Paid minimum amount due every monthBill eventually became P1.3MPara mabayaran ang utang, nagtrabaho siGeli sa ibang bansa bilang yaya sa isangmayaman na pamilya.
  78. 78. Mahirap ang mabaon sa utang. Sabi ni KingSolomon: ―The rich rules over the poor, andthe borrower becomes the lender‘slave‖ (Proverbs 22:7, NASB)
  79. 79. 5. Don‘t buy too much house
  80. 80. ―Finish your outdoor work and get your fieldsready; after that, build your house‖ Proverbs 24:27
  81. 81. 6. Do not cosign loans! Huwag managot sa utang ng iba
  82. 82. "Huwag kang mangangako para sa utang ngiba, ni gumarantiya para sa kanya. Kapaghindi ka nakabayad, hindi bat kukunin patiang higaan mo?" Kawikaan/Proverbs 22:26-27 (MBBible)
  83. 83. 7. Don‟t buy stuff on credit just toimpress other people.
  84. 84. ―Too many people spend money theyhaven‘t earned, to buy things they don‘twant, to impress people they don‘t like―- Will Rogers
  85. 85. 8. Pray before you pay.
  86. 86. strategy 4Live Simply
  87. 87. ―Being frugal is the cornerstone of wealthbuilding.‖- The Millionaire Next Door
  88. 88. “Pray before you pay”Our miracle Mitsubishi
  89. 89. ―As goods increase, so do those whoconsume them. And what benefit are theyto the owner except to feast his eyes onthem?‖ (Eccelesiates 5:11)
  90. 90. ―Whoever loves money never has moneyenough; whoever loves wealth is neversatisfied with his income. This too ismeaningless.‖Ecc 5:11
  91. 91. ―Keep your lives free from the love ofmoney and be content with what you havebecause God has said. Never will I leaveyou, never will I forsake you.‖ (Hebrews 13:5, NASB)
  92. 92. strategy 5Magsipag,Mag-negosyo
  93. 93. ―Lazy people are soon poor; hard workersget rich.‖ (Proverbs 10:4, NLT)
  94. 94. Maging Enterprising!
  95. 95. ―All hard work brings a profit, butmere talk leads only to poverty‖ (Proverbs 14:23)
  96. 96. ―Do not love sleep or you will grow poor;stay awake and you will have food tospare‖ (Proverbs 20:13)
  97. 97. Small business, franchise or directselling distributorship
  98. 98. http://www.gmbfranservice.biz/
  99. 99. ―Huwag mong guluhin ang isip mo sapagpapayaman; pag-aralan mongumiwas doon. Pagkat madaling mawalaang kayamanan, ito‘y simbilis ng agilasa paglipad sa kalawakan‖ (Kawikaan 23:4-5, MBB)
  100. 100. strategy 6Mag-invest
  101. 101. ―Before you invest, investigate.‖
  102. 102. ―The lesson is ―If it‘s too good to be true, itprobably is!‖
  103. 103. NBI WARNS OF MORE PYRAMID SCHEMESPhilippine Daily Inquirer, February 23, 2008
  104. 104. SHOWBIZ CELEBS INVESTED INFRANCSWISS SCAMPhilippine Daily Inquirer, July 11, 2007
  105. 105. FORMER PBA CAGER ADMITSLOSING MONEY TO FRANCSWISSInquirer.net July 18, 2007
  106. 106. BOGUS „SM‟ ONLINE FIRM LURES INVESTORSManila Times, July 13, 2007
  107. 107. Real Estate
  108. 108. Mutual Funds
  109. 109. Stock Market
  110. 110. ―If you are a disciplined investor, at nag-iinvest karegularly ng P5,000 a month for the next 20 yearsin Blue Chip stocks or shares, after 20 years, yourshares should be worth P20 million pesos.
  111. 111. Citisec (www.citiseconline.com.ph)
  112. 112. strategy 7EducateYourself
  113. 113. Sabi ni Chinkee Tan sa kanyanglibro, For Richer & for Poorer,―Rich people educate themselvesmore than they entertainthemselves.Poor people entertain themselvesmore than they educatethemselves.‖
  114. 114. “Masa” mentality• Spend for things they believe they “need” - Colored TV /DVD• Splurge on celebrated occasions:Christmas, New Year, Valentine (Western influenced);fiesta, jueteng (Native Filipino) 141
  115. 115. Lower/Middle Class Segment • Ubos ang pera sa Bingo, Lotto, Billiards, Sabongan… 142
  116. 116. Diagnostic Test:Stare for a few seconds at each of the following patterns. Are the patterns moving? Or are they perfectly still??
  117. 117. Magsubscribe saWealthy & Wais text service.Just text WEALTHYand send to 2910 (Smart/Globe to ff)Simple lang!Get daily encouragementon how to wiselymanageyour finances forjust P2.50@day.
  118. 118. Magsubscribe sa Go Negosyo Text Tips service. Just text Go Nego and send to 2910 (Smart/Globe)Simple lang! Get daily encouragement on how to start up and run a business for just P2.50@day.
  119. 119. Look for scholarships andeducational exchange programsfor yourself or your children.
  120. 120. If God asked you what youwanted, what would you askfor?
  121. 121. 2 Chronicles 1:7-12―That night God appeared to Solomon and said,‗What do you want? Ask, and will give it to you!‘
  122. 122. 2 Chronicles 1:7-12Solomon replied to God, ‗you showed faithfullove to David, my father, and now you havemade me king in his place. O LORD God,please continue to keep your promise to Davidmy father, for you have made me king over apeople as numerous as the dust of the earth!Give me the wisdom and knowledge to leadthem properly, for who could possibly governthis great people of yours?
  123. 123. 2 Chronicles 1:7-12God said to Solomon, ‗Because your greatestdesire is to help your people, and you did notask for wealth, riches, fame, or eventhe death of your enemies or a longlife, but rather you asked for wisdom andknowledge to properly govern my people—I willcertainly give you the wisdom and knowledgeyou requested. But I will also give youwealth, riches, and fame such as no otherking has had before you or will ever havein the future!.‖
  124. 124. Sabi ni Haring Solomon, na nagingpinakamayaman na hari even after he askedGod to bless him with wisdom,―Trust in the LORD with all you heart and leannot on your own understanding; in all your waysacknowledge him, and he will make your pathsstraight‖ (Proverbs 3:5-6)
  125. 125. Pitong ParaanPara Di Mabitin ang Pera1. Save. Gamitin ang ―Automatic Millionaire‖ saving system.2. Give. Honor the Lord and give back with a joyful heart. Be generous to your family and to the poor.3. Get out of debt and stop borrowing. Tama na ang utang, salary advances at cover-spending4. Live simply. Be frufal. Keep your expenses less than your income.
  126. 126. Pitong ParaanPara Di Mabitin ang Pera5. Magsipag, Mag-negosyo. Maging enterprising o mag-umpisa ng sideline o negosyo6. Mag-invest. But ―investigate before you invest‖ para hindi maloko sa mga scams.7. Educate yourself. Mag-aral and pray for wisdom. Magbasa ng mga libro at mag-attend ng mga seminars para madagdagan ang iyong knowledge at skills.
  127. 127. Mag-umpisa na!
  128. 128. ―And my God will meet all your needsaccording to His riches in glory in Christ Jesus‖ (Philippians 4:19)Sa Tagalog,―At buhat sa hindi mauubos na kayamanan ngDiyos, ibibigay niya ang lahat ng inyongkailangan sa pamamagitan ni Cristo Jesus.Purihin ang ating Diyos at Amamagpakailanman! Amen‖ (Filipinos 4:19-20, MBB)
  129. 129. Thank you! From the Roberto familyFacebook: ardy robertoCel: +0920-9519618Email: ardy@saltandlight.phWeb: saltandlight.ph www.saltandlight.ph
  130. 130. Diagnostic Test:Stare for a few seconds at each of the following patterns. Are the patterns moving? Or are they perfectly still??

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