Success in the midst of CrisesMindanao Business Conference                      Ardy Roberto               Co-Founder, Sal...
Diagnostic Test:Stare for a few seconds at each of the          following patterns.                           Are the patt...
The patterns are used to test the level of stressa person can handle.None of these images are animated - they areperfectly...
Are you stressed outbecause of a “crisis?”
Some examples...
Some examples...
General Motors
Chrysler Corporation
AIG (American International Group)
Legacy Group
Goodyear – Financial Crisis pinch
Adolf Merckle Commits Suicide
Bird Flu, SARS, Swine Flu, etc
Greece, Japan, CJ Leadership/Integrity, Mindanao Power Crises,etc
Insect Inter (Thailand)
We are ALWAYS in    CRISIS mode
1972 Martial Law
INFLATION         RATE:         65%        ______1983 Ninoy Assassination
1987-1990 Coup de Etatsduring Aquino Administration
1992-1993 PhilippinePolitical and Energy Crisis
1997 Asian Financial Crisis
9/11
EDSA Dos35
36
37
38
39
Identity Crisis
Greece, Japan, CJ Leadership/Integrity, Mindanao Power Crises,etc
think and dwell on“If youcrises, it will cause mentaland spiritual paralysis!”– Ardy Roberto
To survive and thrive in a crisis:	               	         THINK WELL	               	               	               	   ...
Your MIND         = your best friend        or your worst enemy	                       	“You become what you think about  ...
This is a BRAIN CELL. Brain CellIt is the basic buildingblock of your brain. Youhave1,000,000,000,000a million million cel...
THE STORY OF NICK –                      Family man.                      But a worrier and                      pessimist...
Nick got accidentally locked!Since he was in arefrigererator car,Nick assumed thatthe temperatureinside was a freezing0°C....
Nick wrote a message to his wife and family  on a cardboard box: “So   cold,” “…bodys   getting numb. If I could just go t...
The strange thing was the boxcar’s refrigeration unit was broken and the temperature inside was just around 16°C — far fro...
Nick’s thoughts froze  himself to death.  www.saltandlight.ph
“Let me assert my firm beliefthat the only thing we have to       fear is fear itself.” 	        Franklin Roosevelt, US Pr...
F alseE ducationA ppearingR eal
“As a man thinketh in his    heart, so is he.”	        – Proverbs 23:7	         King Solomon   	               	          ...
What are the thoughts in      your mind?What do you think about most of          the time?       Are you hopeful?      Or ...
Study on Worry:             “What People             Worry About”40% are worrying about thingsthat never happen anyway.30%...
Paul to the Philippians (gamot sa worry)“Don’t worry about anything;instead, pray about everything. TellGod what you need,...
Placebo Case StudyPlacebo heart surgeries anyone?        www.saltandlight.ph
Businessweek, reporting on the economics of the billion-dollar heart surgery industry, reported that those who had thought...
The Pygmalion effect   Self-fulfilling prophecy            Examples:Children – “baka madapa ka!” “bobo!”    “Friends” – “b...
Pygmalion effect in        business...performance will improve if yoursupervisors communicate positivethoughts about peopl...
What are the thoughts in      your mind?What do you think about most of          the time?       Are you hopeful?       Or...
Fact:Crisis is the new reality. The onlything constant is change. Changehappens through crises. People moveout of their co...
How to survive and thrive in crises:             Innovate   “get out of your    comfort zone”
Insect Inter (Thailand) "I have absolutely no doubt that our crispy, crunchy crickets will replace popcorn as a favourite ...
Insect Inter (Thailand)#1 in Insect-fast food category
Insect Inter (Thailand)                          Ø 60+ outlets                          Ø Over 15M                      ...
Slogan:“Never mind the look, it tastes great“founder – Satapol Polprapas
* Annual World Wife Carrying Contest        (Sonkajarvi, Finland)
* Annual World Wife Carrying Contest         (Sonkajarvi, Finland)              Grand Prize:Beer (equivalent to your weigh...
* Annual World Wife Carrying Contest         (Sonkajarvi, Finland)           Result of innovation:       local economy tur...
MINDSET #1: M – B – A : M – Mangarap {Dream!}	                                 Edwin Pages                                ...
- Edwin Pages
Honesty Coffee Shop
Self-service
Honesty Coffee Shop
Walang pang suweldo para sa guard?        Walang problema!
Walang pang suweldo para sa guard?        Walang problema!	               	               	               	               ...
Problem turned into opportunity:	Honesty Coffee Shop – Batanes	              	              	              	              ...
Myshelte
A world full of junkWe don’t want a polluted Earth
Seeing Possibilities
Solar Bottle Light Natural daylight for the community
What is the common source of            light?                Bulbs                •  Consume energy                •  Cos...
Made from readily available &       recyclable materials…
2L PET soda bottlesencased in GI corrugated         sheets
Easy to assemble…
Provides a good source of lightequivalent to 55     watts
Before and After
“There is always a solution to a problem  if you are open-minded, creative and               persistent.”	                ...
Adventures/crises develop        your AQ  Adversity Quotient.Gives you stories to share
An AQ Story / Adventure        Early 90s - 2X Swindled…          Mid 90s - Bankrupt…2000 - Almost lost wife to lupus (almo...
“Most Successful...”
...failure!”{Everything that we could do wrong,          we did wrong...}
sobrang lugi!nabaon ako sa utangsold the business
bible studyapplied God’s wordmiracles of faithful stewardship-  zero debt within 1 yr-  married within means-  honeymoon i...
“God has a purpose behind       every problem. …He uses           circumstances to 	      develop our character.” 	       ...
AQ: Adversity    Quotient
Raising Funds by Producing, Organizing and   12
“Character cannot be developed in          ease and quiet. 	Only through experience of trial and    suffering can the soul...
Salt & Light Ventures
“Consider it pure joy…whenever you face trials of many kinds, because you              know that the 	     testing of your...
October 2000127      “Miracle” Healing:      But serious kidney      damage      Chemotherapy?      Dialysis?      None.  ...
Raising Funds by Producing, Organizing and   12
a series“We are all faced withof great opportunitiesdisguised as impossiblesituations.”– Chuck Swindoll
4
3
Fearless : Anthony Robles – Champion NCAA Wrestler
Fearless : Jessica Cox – First Filipina pilot
Fearless : Jessica Cox – First FilAm licensed pilot w/o ...
“In golf, as in life, if youreally, really wantsomething… Nothing shouldhold you back. So stopblaming others if your gamei...
Think on these things…   Finally, brethren, whatsoever things are      true, whatsoever things are honest,   whatsoever th...
SO 	         THINK WELL!	          Remember:	“You become what you think about        most of the time.”	                	 ...
FREE! Text your name, organization,feedback, and email address to:      +0920-9519618Get FREE copy of this presentation.  ...
Insect Inter (Thailand)
Insect Inter (Thailand)
Insect Inter (Thailand)
Insect Inter (Thailand)
Diagnostic Test:Stare for a few seconds at each of the          following patterns.                           Are the patt...
www.saltandlight.ph
Different andconflicting advice canbe confusing andstressful.
“Do not let this Book ofthe Law depart fromyour mouth; meditate onit day and night, so thatyou may be careful to doeveryth...
The Bible has500 verses on prayer;500 verses on faith; but over2,300 verses on moneyand possessions.
Insect Inter (Thailand)
Based on                         Research,                      experience and                      scripture truth       ...
7 Money Management Strategies ingood and bad times...
strategy 1Save
Start a Joseph Fundbefore a crisis starts
The Joseph Fund (Genesis 41)“It is just as I said to Pharaoh: God has shown Pharaohwhat he is about to do. 29Seven years o...
The Joseph Fund (Genesis 41)33“And now let Pharaoh look for a discerning and wiseman and put him in charge of the land of ...
The Joseph Fund (Genesis 41)36This food should be held in reserve for the country, tobe used during the seven years of fam...
20 – 20 Strategy:Save 20% of your income,20 years before you wantto retire
example: If you earn P7,500 a month,save P750 every month byautomatic transfer or deposited to yourspecial savings account...
Savings of            Savings of P1,000 a month        P2,000 a month for 20 years          for 20 years = P467,661       ...
Fact:90% of Filipinos are “broke or will diebroke”- Bank of the Philippine Islands (BPI) study
strategy 2give
The Malachi 3:10-11 Insurance Policy“10 Bring the whole tithe into the storehouse,that there may be food in my house. Test...
"Remember this:Whoever sows sparingly, will also reapsparingly,andwhoever sows generously will alsoreap generously.”2 Cori...
“Give generously to him anddo so without a grudgingheart; then because of thisthe LORD your God will blessyou in all your ...
Start up: Salt & Light Ventures 2000	                                          How do I                                   ...
10 years after the “most successful failure” concert   business in CDO…a seminar with 14,000 people!
PICC: 4,000 peopleTotal for 2 days: 18,000 people
“When profit isunshared, it’s less likelyto grow greater.”Malcolm Forbes
strategy 3get out of debt andstop borrowing
The Romans 13:8 Debt Payment Plan“Let no debt remain outstanding, exceptthe continuing debt to love one another,for he who...
Mahirap ang mabaon sa utang.Sabi ni King Solomon:“The rich rules over the poor, and theborrower becomes the lender’slave” ...
Why people get into debt
I – Impulsive buying / indulgenceP – Poor planning (no planning)I – IgnoranceS - Shopping sprees / short termview of savings
Pray before you pay.
strategy 4Live Simply“Mabuhay ngsimple!”
The 1 Timothy 6:6-7 True WealthFormula"Yet true godliness with contentment isitself great wealth.7After all, we brought no...
US$89 billion dollar man
‎"The happiest people donthave the best of everything;they just make the best of   everything they have."~ Dr Aggie Sartho...
FRUGAL:IKEA billionaire owner rides bus,      flies economy class
“Being frugal* is the cornerstone ofwealth building.”- The Millionaire Next Door
champion boxer – earned $300M career (P13.5B)employed 200 (drivers, bodyguards, chefs, gardeners, etc)$4.5M on cars and mo...
champion boxer – champion gastador2005Utang/Debt = $38M
‎“We are not made  happy by what weacquire, but by what we     appreciate.”     - Francis Kong
Making the best ofeverything you have;appreciate what you   have already:   contentment
strategy 5Magsipag,Mag-negosyo
The Proverbs 10:4 Get RichSlow Scheme“Lazy people are soon poor;hard workers get rich.” King Solomon -Proverbs 10:4, NLT
“All hard work brings aprofit,but mere talk leads only topoverty”King Solomon- Proverbs 14:23
Work HARD 	      vs 	      EASY Money mentality
P80M Lotto Winner,Naputulan ng Kuryente."Last Sunday’s debut telecast (TrueStories on QTV featured) the story ofa man who ...
Florida Lotto winner wishedhe had never won.Family members say AbrahamShakespeare, a truck drivers assistant,was constantl...
Microfinancing                 MFI’s – WorldVisionMicro.org                 Maragondon, Cavite                 Natural/org...
direct selling distributorship. www.dsap.ph
Winner –Chairman’s AwardDirect SellingAssociation of thePhilippines“A must-read forwanna beentrepreneurs.”– Prof AndyFerre...
Franchisinghttp://www.gmbfranservice.biz/
strategy 6Mag-invest
Double your money offer
The lesson is “If it’s too good to be true,it probably is!”
“Before you invest, investigate.”
The 1 Timothy 6:9-10 Investment Caveat“People who want to get rich fallinto temptation and a trap and intomany foolish and...
NBI WARNS OF MORE PYRAMID SCHEMESPhilippine Daily Inquirer, February 23, 2008
SHOWBIZ CELEBS INVESTED INFRANCSWISS SCAMPhilippine Daily Inquirer, July 11, 2007
FORMER PBA CAGER ADMITSLOSING MONEY TO FRANCSWISSInquirer.net July 18, 2007
BOGUS ‘SM’ ONLINE FIRM LURES INVESTORSManila Times, July 13, 2007
Investing in RealEstate?Read Larry Gamboa’s“Think Rich Pinoy”book.Tip: Look forforeclosed propertiesthrough bank listingsa...
Stock Market
“If you are a disciplined investor, at nag-iinvest karegularly ng P5,000 a month for the next 20 yearsin Blue Chip stocks ...
strategy 7EducateYourself
Jinggoy: Daddy anong spelling ng saksesful?single ba o double "s"?Erap: tatlohin mo na para sigurado!
Record breakingcountry
“Masa” mentality•  Spend for things they believe they “need”     - Colored TV /DVD•  Splurge on celebrated occasions:Chris...
Lower/Middle Class Segment •  Ubos ang pera sa Bingo, Lotto,    Billiards, Sabongan…                                     227
Magsubscribe saWealthy & Wais text service.Just text WEALTHYand send to 2910 (Smart/Globe )Simple lang!Get daily encourage...
Magsubscribe sa Go Negosyo Text Tips service. Just text Go Nego and send to 2910 (Smart/Globe)Simple lang! Get daily encou...
Look for scholarships andeducational exchange programsfor yourself or your children.
Budget 10% of your personalincome for continuing education,seminars, books
ImportantEducate yourself on how to be healthy.Take responsibility.Or else you’ll spend what you savedand earned to gain b...
If God asked you what youwanted, what would you askfor?
2 Chronicles Unli-Plan“That night God appeared to Solomonand said, ‘What do you want? Ask, andwill give it to you!’2 Chron...
Solomon replied to God, ‘you showed faithfullove to David, my father, and now you havemade me king in his place. O LORD Go...
2 Chronicles 1:7-12God said to Solomon, ‘Because your greatestdesire is to help your people, and you did notask for wealth...
Sabi ni Haring Solomon, na nagingpinakamayaman na hari even after he askedGod to bless him with wisdom,“Trust in the LORD ...
Ending story
“And my God will meet all your needsaccording to His riches in glory in Christ Jesus”                           (Philippia...
Thank you! From the Roberto familyFacebook.com/angperaCel: +0920-9519618Email: ardy@saltandlight.ph  www.saltandlight.ph
Diagnostic Test:Stare for a few seconds at each of the          following patterns.                           Are the patt...
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
Success in crises   promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto
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Success in crises promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto

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Success in crises promise keepers - mindanao business conf - davao - march 30-12 - ardy roberto

  1. 1. Success in the midst of CrisesMindanao Business Conference Ardy Roberto Co-Founder, Salt & Light Ventures, Inc Inspire Leadership Consultancy, Inc. Entrep10 Awardee, Microsoft Most Inspiring Entrepreneur Co-Columnist, Philippine Daily Inquirer’s MarketingRxAuthor, S4, Heart of Healing, Buhay na Hindi Bitin, Pera na Hindi Bitin The image cannot be displayed. Your computer may not have enough memory to open the image, or the image may have been corrupted. www.saltandlight.ph Restart your computer, and then open the file again. If the red x still appears, you may have to delete the image and then insert it again.
  2. 2. Diagnostic Test:Stare for a few seconds at each of the following patterns.   Are the patterns moving?   Or are they perfectly still??
  3. 3. The patterns are used to test the level of stressa person can handle.None of these images are animated - they areperfectly still.  The slower the pictures move, the better yourability of handling stress.   Senior citizens and kids see them standing still.Alleged criminals that were tested see themspinning around madly. How did you do with the test??
  4. 4. Are you stressed outbecause of a “crisis?”
  5. 5. Some examples...
  6. 6. Some examples...
  7. 7. General Motors
  8. 8. Chrysler Corporation
  9. 9. AIG (American International Group)
  10. 10. Legacy Group
  11. 11. Goodyear – Financial Crisis pinch
  12. 12. Adolf Merckle Commits Suicide
  13. 13. Bird Flu, SARS, Swine Flu, etc
  14. 14. Greece, Japan, CJ Leadership/Integrity, Mindanao Power Crises,etc
  15. 15. Insect Inter (Thailand)
  16. 16. We are ALWAYS in CRISIS mode
  17. 17. 1972 Martial Law
  18. 18. INFLATION RATE: 65% ______1983 Ninoy Assassination
  19. 19. 1987-1990 Coup de Etatsduring Aquino Administration
  20. 20. 1992-1993 PhilippinePolitical and Energy Crisis
  21. 21. 1997 Asian Financial Crisis
  22. 22. 9/11
  23. 23. EDSA Dos35
  24. 24. 36
  25. 25. 37
  26. 26. 38
  27. 27. 39
  28. 28. Identity Crisis
  29. 29. Greece, Japan, CJ Leadership/Integrity, Mindanao Power Crises,etc
  30. 30. think and dwell on“If youcrises, it will cause mentaland spiritual paralysis!”– Ardy Roberto
  31. 31. To survive and thrive in a crisis: THINK WELL
  32. 32. Your MIND = your best friend or your worst enemy “You become what you think about most of the time” – Earl Nightingale, The Strangest Secret
  33. 33. This is a BRAIN CELL. Brain CellIt is the basic buildingblock of your brain. Youhave1,000,000,000,000a million million cells inyour brain. We use just 2%!If a neuron dies, the surrounding neurons will take over some of theactivity from the disabled one. You can actually grow new dendrites if you continue to intellectually stimulate yourself throughreading, doing puzzles, and playing games like chess.By creating moredendrites and more connections, you create more chances forthought generation. So every time you have a new thought, you literallychange your brain at a chemical, electrical, and physical level. MOST IMPORTANT…… a thought is real!
  34. 34. THE STORY OF NICK – Family man. But a worrier and pessimist. A railroad worker who always expected worse to happen... And then one day while working at the railroadswww.saltandlight.ph
  35. 35. Nick got accidentally locked!Since he was in arefrigererator car,Nick assumed thatthe temperatureinside was a freezing0°C.He started shiveringand thought tohimself, “Ill freeze todeath if I don’t getout of here.” www.saltandlight.ph
  36. 36. Nick wrote a message to his wife and family on a cardboard box: “So cold,” “…bodys getting numb. If I could just go to sleep. These may be my last words.” www.saltandlight.ph
  37. 37. The strange thing was the boxcar’s refrigeration unit was broken and the temperature inside was just around 16°C — far from freezing.But the autopsy on Nick’s body showed that he had frozen to death! www.saltandlight.ph
  38. 38. Nick’s thoughts froze himself to death. www.saltandlight.ph
  39. 39. “Let me assert my firm beliefthat the only thing we have to fear is fear itself.” Franklin Roosevelt, US President (speech during Great Depression of 1933)
  40. 40. F alseE ducationA ppearingR eal
  41. 41. “As a man thinketh in his heart, so is he.” – Proverbs 23:7 King Solomon
  42. 42. What are the thoughts in your mind?What do you think about most of the time? Are you hopeful? Or are you worried?
  43. 43. Study on Worry: “What People Worry About”40% are worrying about thingsthat never happen anyway.30% are worrying about past,unchangeable decisions.12% are worrying about illnesses that never happen.10% are worrying about adult children and friends (who are able to take care of themselves).Only 8% are worrying about real problems.92% ng lahat ng pinoproblema ng maga tao are about things that are not within our control!
  44. 44. Paul to the Philippians (gamot sa worry)“Don’t worry about anything;instead, pray about everything. TellGod what you need, and thank him forall he has done. If you do this, youwill experience God’s peace, whichis far more wonderful than the humanmind can understand. His peace willguard your hearts and minds as youlive in Christ Jesus.” Philippians 4:6-7 (New Living Translation
  45. 45. Placebo Case StudyPlacebo heart surgeries anyone? www.saltandlight.ph
  46. 46. Businessweek, reporting on the economics of the billion-dollar heart surgery industry, reported that those who had thought they had undergone laser heart surgery to improve their blood received the same flow benefits as those who went through actual heart surgery. I.e. “Hindi na barado!” www.saltandlight.ph
  47. 47. The Pygmalion effect Self-fulfilling prophecy Examples:Children – “baka madapa ka!” “bobo!” “Friends” – “baka malugi ka!” Country – “Wala nang pagasa”
  48. 48. Pygmalion effect in business...performance will improve if yoursupervisors communicate positivethoughts about people to people. Ifthe supervisor actually believes thatevery employee has the ability tomake a positive contribution at work,the telegraphing of that message,either consciously or unconsciously,will positively affect employeeperformance.
  49. 49. What are the thoughts in your mind?What do you think about most of the time? Are you hopeful? Or do you worry?
  50. 50. Fact:Crisis is the new reality. The onlything constant is change. Changehappens through crises. People moveout of their comfort zones andchange things because of a crises.
  51. 51. How to survive and thrive in crises: Innovate “get out of your comfort zone”
  52. 52. Insect Inter (Thailand) "I have absolutely no doubt that our crispy, crunchy crickets will replace popcorn as a favourite snack in cinemas“ - Mr Satapol Polprapas, InsectInter Founder, 29 yrs old (started with just P160 investment)
  53. 53. Insect Inter (Thailand)#1 in Insect-fast food category
  54. 54. Insect Inter (Thailand) Ø 60+ outlets Ø Over 15M Baht in sales @ year Ø 100 new franchisees
  55. 55. Slogan:“Never mind the look, it tastes great“founder – Satapol Polprapas
  56. 56. * Annual World Wife Carrying Contest (Sonkajarvi, Finland)
  57. 57. * Annual World Wife Carrying Contest (Sonkajarvi, Finland) Grand Prize:Beer (equivalent to your weight) + “Fun”
  58. 58. * Annual World Wife Carrying Contest (Sonkajarvi, Finland) Result of innovation: local economy turned around. Contest generates over US$250 inestimated economic benefits to the small town of Sonkajarvi. Very happy customers with a transformational experience (vs transactional)
  59. 59. MINDSET #1: M – B – A : M – Mangarap {Dream!} Edwin Pages story: from beerhouse business to Online real estate magnate
  60. 60. - Edwin Pages
  61. 61. Honesty Coffee Shop
  62. 62. Self-service
  63. 63. Honesty Coffee Shop
  64. 64. Walang pang suweldo para sa guard? Walang problema!
  65. 65. Walang pang suweldo para sa guard? Walang problema!
  66. 66. Problem turned into opportunity: Honesty Coffee Shop – Batanes
  67. 67. Myshelte
  68. 68. A world full of junkWe don’t want a polluted Earth
  69. 69. Seeing Possibilities
  70. 70. Solar Bottle Light Natural daylight for the community
  71. 71. What is the common source of light? Bulbs •  Consume energy •  Cost of electricity
  72. 72. Made from readily available & recyclable materials…
  73. 73. 2L PET soda bottlesencased in GI corrugated sheets
  74. 74. Easy to assemble…
  75. 75. Provides a good source of lightequivalent to 55 watts
  76. 76. Before and After
  77. 77. “There is always a solution to a problem if you are open-minded, creative and persistent.”
  78. 78. Adventures/crises develop your AQ Adversity Quotient.Gives you stories to share
  79. 79. An AQ Story / Adventure Early 90s - 2X Swindled… Mid 90s - Bankrupt…2000 - Almost lost wife to lupus (almost widower) ; went bankrupt again AQ Developed: 2001 > Started 4 different businessesRecognized as 1 of EntrepTop10 in ’06* Enjoying new adventures…
  80. 80. “Most Successful...”
  81. 81. ...failure!”{Everything that we could do wrong, we did wrong...}
  82. 82. sobrang lugi!nabaon ako sa utangsold the business
  83. 83. bible studyapplied God’s wordmiracles of faithful stewardship-  zero debt within 1 yr-  married within means-  honeymoon in Europe
  84. 84. “God has a purpose behind every problem. …He uses circumstances to develop our character.” - Rick Warren,The Purpose Driven Life
  85. 85. AQ: Adversity Quotient
  86. 86. Raising Funds by Producing, Organizing and 12
  87. 87. “Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul bestrengthened, ambition inspired, and success achieved.” - Helen Keller
  88. 88. Salt & Light Ventures
  89. 89. “Consider it pure joy…whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance.” James 1:2,3
  90. 90. October 2000127 “Miracle” Healing: But serious kidney damage Chemotherapy? Dialysis? None. MyHeartofHealing.com (c) Ardy Roberto 2008 - buy the Heart of Healing at OMF.com
  91. 91. Raising Funds by Producing, Organizing and 12
  92. 92. a series“We are all faced withof great opportunitiesdisguised as impossiblesituations.”– Chuck Swindoll
  93. 93. 4
  94. 94. 3
  95. 95. Fearless : Anthony Robles – Champion NCAA Wrestler
  96. 96. Fearless : Jessica Cox – First Filipina pilot
  97. 97. Fearless : Jessica Cox – First FilAm licensed pilot w/o ...
  98. 98. “In golf, as in life, if youreally, really wantsomething… Nothing shouldhold you back. So stopblaming others if your gameis lousy. Blame yourself,and fix it.”– Paolo Olives
  99. 99. Think on these things… Finally, brethren, whatsoever things are true, whatsoever things are honest, whatsoever things are just, whatsoever things are pure, whatsoever things arelovely, whatsoever things are of good report; if there be any virtue, and if there be anypraise, think on these things. – Phil 4:8
  100. 100. SO THINK WELL! Remember: “You become what you think about most of the time.”
  101. 101. FREE! Text your name, organization,feedback, and email address to: +0920-9519618Get FREE copy of this presentation. 7 who text also get WIN books
  102. 102. Insect Inter (Thailand)
  103. 103. Insect Inter (Thailand)
  104. 104. Insect Inter (Thailand)
  105. 105. Insect Inter (Thailand)
  106. 106. Diagnostic Test:Stare for a few seconds at each of the following patterns.   Are the patterns moving?   Or are they perfectly still??
  107. 107. www.saltandlight.ph
  108. 108. Different andconflicting advice canbe confusing andstressful.
  109. 109. “Do not let this Book ofthe Law depart fromyour mouth; meditate onit day and night, so thatyou may be careful to doeverything written in it.Then you will beprosperous andsuccessful.”- Joshua 1:8
  110. 110. The Bible has500 verses on prayer;500 verses on faith; but over2,300 verses on moneyand possessions.
  111. 111. Insect Inter (Thailand)
  112. 112. Based on Research, experience and scripture truth Ardy Roberto Author, Pera na Hindi Bitinwww.saltandlight.ph
  113. 113. 7 Money Management Strategies ingood and bad times...
  114. 114. strategy 1Save
  115. 115. Start a Joseph Fundbefore a crisis starts
  116. 116. The Joseph Fund (Genesis 41)“It is just as I said to Pharaoh: God has shown Pharaohwhat he is about to do. 29Seven years of greatabundance are coming throughout the land of Egypt,30but seven years of famine will follow them. Then allthe abundance in Egypt will be forgotten, and the faminewill ravage the land. 31The abundance in the land willnot be remembered, because the famine that follows itwill be so severe. 32The reason the dream was given toPharaoh in two forms is that the matter has been firmlydecided by God, and God will do it soon."
  117. 117. The Joseph Fund (Genesis 41)33“And now let Pharaoh look for a discerning and wiseman and put him in charge of the land of Egypt. 34LetPharaoh appoint commissioners over the land to take afifth of the harvest of Egypt during the seven years ofabundance. 35They should collect all the food of thesegood years that are coming and store up the grain underthe authority of Pharaoh, to be kept in the cities for food.
  118. 118. The Joseph Fund (Genesis 41)36This food should be held in reserve for the country, tobe used during the seven years of famine that will comeupon Egypt, so that the country may not be ruined by thefamine.”37The plan seemed good to Pharaoh and to all hisofficials. 38So Pharaoh asked them, “Can we findanyone like this man, one in whom is the spirit of Godb?”
  119. 119. 20 – 20 Strategy:Save 20% of your income,20 years before you wantto retire
  120. 120. example: If you earn P7,500 a month,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!
  121. 121. Savings of Savings of P1,000 a month P2,000 a month for 20 years for 20 years = P467,661 = P935,323 Savings ofSavings of P10,000 aP4,000 a month month for 20for 20 years years= P1,864,025 = P4,676,613*6% p.a. compounded *6% p.a. compoundedmonthly monthly
  122. 122. Fact:90% of Filipinos are “broke or will diebroke”- Bank of the Philippine Islands (BPI) study
  123. 123. strategy 2give
  124. 124. The Malachi 3:10-11 Insurance Policy“10 Bring the whole tithe into the storehouse,that there may be food in my house. Test mein this,” says the LORD Almighty, “and see if Iwill not throw open the floodgates of heavenand pour out so much blessing that there willnot be room enough to store it. 11 I will preventpests from devouring your crops, and thevines in your fields will not drop their fruitbefore it is ripe,” says the LORD Almighty.”
  125. 125. "Remember this:Whoever sows sparingly, will also reapsparingly,andwhoever sows generously will alsoreap generously.”2 Corinthians 9:6 NIV
  126. 126. “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
  127. 127. Start up: Salt & Light Ventures 2000 How do I grow this business?
  128. 128. 10 years after the “most successful failure” concert business in CDO…a seminar with 14,000 people!
  129. 129. PICC: 4,000 peopleTotal for 2 days: 18,000 people
  130. 130. “When profit isunshared, it’s less likelyto grow greater.”Malcolm Forbes
  131. 131. strategy 3get out of debt andstop borrowing
  132. 132. The Romans 13:8 Debt Payment Plan“Let no debt remain outstanding, exceptthe continuing debt to love one another,for he who loves his fellowman hasfulfilled the law”Pay off ALL your debts; love one another.
  133. 133. Mahirap ang mabaon sa utang.Sabi ni King Solomon:“The rich rules over the poor, and theborrower becomes the lender’slave” (Proverbs 22:7, NASB)
  134. 134. Why people get into debt
  135. 135. I – Impulsive buying / indulgenceP – Poor planning (no planning)I – IgnoranceS - Shopping sprees / short termview of savings
  136. 136. Pray before you pay.
  137. 137. strategy 4Live Simply“Mabuhay ngsimple!”
  138. 138. The 1 Timothy 6:6-7 True WealthFormula"Yet true godliness with contentment isitself great wealth.7After all, we brought nothing with us whenwe came into the world, and we can’t takeanything with us when we leave it.”Paul to Timothy1 Timothy 6:6-7, NLT
  139. 139. US$89 billion dollar man
  140. 140. ‎"The happiest people donthave the best of everything;they just make the best of everything they have."~ Dr Aggie Sarthou, PhD at the last Happy at Work conferenc
  141. 141. FRUGAL:IKEA billionaire owner rides bus, flies economy class
  142. 142. “Being frugal* is the cornerstone ofwealth building.”- The Millionaire Next Door
  143. 143. 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
  144. 144. champion boxer – champion gastador2005Utang/Debt = $38M
  145. 145. ‎“We are not made happy by what weacquire, but by what we appreciate.” - Francis Kong
  146. 146. Making the best ofeverything you have;appreciate what you have already: contentment
  147. 147. strategy 5Magsipag,Mag-negosyo
  148. 148. The Proverbs 10:4 Get RichSlow Scheme“Lazy people are soon poor;hard workers get rich.” King Solomon -Proverbs 10:4, NLT
  149. 149. “All hard work brings aprofit,but mere talk leads only topoverty”King Solomon- Proverbs 14:23
  150. 150. Work HARD vs EASY Money mentality
  151. 151. 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.
  152. 152. 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/
  153. 153. Microfinancing MFI’s – WorldVisionMicro.org Maragondon, Cavite Natural/organic farming Organically fed hogs – P10k @
  154. 154. direct selling distributorship. www.dsap.ph
  155. 155. Winner –Chairman’s AwardDirect SellingAssociation of thePhilippines“A must-read forwanna beentrepreneurs.”– Prof AndyFerreria, Dean,ME Program, AIM
  156. 156. Franchisinghttp://www.gmbfranservice.biz/
  157. 157. strategy 6Mag-invest
  158. 158. Double your money offer
  159. 159. The lesson is “If it’s too good to be true,it probably is!”
  160. 160. “Before you invest, investigate.”
  161. 161. The 1 Timothy 6:9-10 Investment Caveat“People who want to get rich fallinto temptation and a trap and intomany foolish and harmful desires that plungemen into ruin and destruction. For the loveof money is a root of all kinds of evil.Some people, eager for money, havewandered from the faith and piercedthemselves with many griefs” (1 Timothy 6:9-10)
  162. 162. NBI WARNS OF MORE PYRAMID SCHEMESPhilippine Daily Inquirer, February 23, 2008
  163. 163. SHOWBIZ CELEBS INVESTED INFRANCSWISS SCAMPhilippine Daily Inquirer, July 11, 2007
  164. 164. FORMER PBA CAGER ADMITSLOSING MONEY TO FRANCSWISSInquirer.net July 18, 2007
  165. 165. BOGUS ‘SM’ ONLINE FIRM LURES INVESTORSManila Times, July 13, 2007
  166. 166. Investing in RealEstate?Read Larry Gamboa’s“Think Rich Pinoy”book.Tip: Look forforeclosed propertiesthrough bank listingsand auctions
  167. 167. Stock Market
  168. 168. “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.
  169. 169. strategy 7EducateYourself
  170. 170. Jinggoy: Daddy anong spelling ng saksesful?single ba o double "s"?Erap: tatlohin mo na para sigurado!
  171. 171. Record breakingcountry
  172. 172. “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) 226
  173. 173. Lower/Middle Class Segment •  Ubos ang pera sa Bingo, Lotto, Billiards, Sabongan… 227
  174. 174. Magsubscribe saWealthy & Wais text service.Just text WEALTHYand send to 2910 (Smart/Globe )Simple lang!Get daily encouragementon how to wiselymanageyour finances forjust P2.50@day.
  175. 175. 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.
  176. 176. Look for scholarships andeducational exchange programsfor yourself or your children.
  177. 177. Budget 10% of your personalincome for continuing education,seminars, books
  178. 178. ImportantEducate yourself on how to be healthy.Take responsibility.Or else you’ll spend what you savedand earned to gain back your health.Health is wealth!
  179. 179. If God asked you what youwanted, what would you askfor?
  180. 180. 2 Chronicles Unli-Plan“That night God appeared to Solomonand said, ‘What do you want? Ask, andwill give it to you!’2 Chronicles 1:7-12
  181. 181. Solomon 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 andknowledge to lead themproperly, for who could possibly governthis great people of yours?2 Chronicles 1:7-12
  182. 182. 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 andknowledge you requested. But I will alsogive you wealth, riches, and fame such asno other king has had before you or willever have in the future!.”
  183. 183. 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)
  184. 184. Ending story
  185. 185. “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 nginyong kailangan sa pamamagitan niCristo Jesus. Purihin ang ating Diyos at Amamagpakailanman! Amen” (Filipinos 4:19-20, MBB)
  186. 186. Thank you! From the Roberto familyFacebook.com/angperaCel: +0920-9519618Email: ardy@saltandlight.ph www.saltandlight.ph
  187. 187. 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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