1. Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.
In the light of 3 John 2 and 1 Timothy 5:8, you must make
provisions for health and finances tomorrow as you earn
your income today.
with
LIFELIFE
SECURITYSECURITY

2. WELL TO DO
MIDDLE CLASS
COMMON PEOPLE
POOR / PAUPERS
ARE YOU HAVING MONEY PROBLEMS?
Like lack of income or spending more than what you
earn? Want to learn Budgeting, Saving or
Investing?
Income holds you to a
particular standard of
living, but when yourwhen your
INCOME STOPS,INCOME STOPS, youryour
needs continueneeds continue,, soso
LIFESTYLE DROPS !LIFESTYLE DROPS !
Income holds you to a
particular standard of
living, but when yourwhen your
INCOME STOPS,INCOME STOPS, youryour
needs continueneeds continue ,, soso
LIFESTYLE DROPS !LIFESTYLE DROPS !
RICH

3. SICKNESS BUSINESS LOSSES / LOSS OF JOB
PREMATURE DEATHDISABILITYOLD AGE
Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.
NO VACANCY
causes TEMPORARY LOSS OF INCOME
causes PERMANENT LOSS OF INCOME
?
What if YOU were
taken suddenly?

4. YOUR
SAVINGS
DEPLETED
YOUR KIDS
OUT OF
SCHOOL
YOUR
UNPROVIDED
RETIREMENT
YOUR
WIDOW
FORCED
TO WORK
& EARN A
LIVING
Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.
?
A LOWER STANDARD
OF LIVING
YOUR PROPERTIES
SOLD AT
SACRIFICE PRICE
FOR CASH $$$

5. For these reasons, PREVENTIVE PROGRAMS
became a must…
to AVOID getting sick, to CREATE a supplemental
income in case of business losses or loss of
job, to SAVE for an Income Replacement Fund
to sustain the expenses brought by
PREMATURE DEATH, DISABILITY or OLD AGE
ALL THESE - FOR AT LEAST DAILY SAVING WITHOUTALL THESE - FOR AT LEAST DAILY SAVING WITHOUT
DEFAULT $2.00 AND INVESTING $1.50 THROUGH THEDEFAULT $2.00 AND INVESTING $1.50 THROUGH THE
YEARS UNTIL ANY OF THESE CONTINGENCIES OCCUR.YEARS UNTIL ANY OF THESE CONTINGENCIES OCCUR.
1 Timothy 5:8 say, “ But if anyone does not provide for his
own, and especially for those of his household, he has
denied the faith and is worse than an unbeliever “

6. WHAT IS FINANCIAL PLANNING?WHAT IS FINANCIAL PLANNING?
Planning how to spend the money that
comes to you
WHAT ARE THE BASIC PRINCIPLES TO FINANCIAL FREEDOM?
“FINANCIAL PLANNING is
Important when financial resources are limited”.
GIVINGGIVING RECEIVING MANAGINGMANAGING
Recognizing that God owns everything in this world ( Deuteronomy 10:14 ) andRecognizing that God owns everything in this world ( Deuteronomy 10:14 ) and
He gives us the power to get wealthHe gives us the power to get wealth
( Deuteronomy 8:18 )( Deuteronomy 8:18 )
TITHING –TITHING –
Malachi 3:10-11Malachi 3:10-11
SAVING –
Proverbs 6:6-8
SPENDING –SPENDING –
1 Timothy 5:81 Timothy 5:8
BUDGETING
TITHETITHE
SAVINGSSAVINGS
FIXED EXPENSESFIXED EXPENSES
SPENDABLE INCOMESPENDABLE INCOME

7. WHY DO YOU FAIL INSPITE YOURWHY DO YOU FAIL INSPITE YOUR
SINCERE DESIRE TO SAVE?SINCERE DESIRE TO SAVE?
Because you use the
wrong method ofwrong method of
savingsaving...
“SPEND & SAVE”
method
SPEN
D
FIRST
and
save what
is left.
More often than
not,
LEAVES YOU
WITH NOTHING
TO SAVE
Not only did YOU use the wrong
method, YOU also used the
WRONG SAVINGSWRONG SAVINGS
PLAN.PLAN.
Most savings plans are
really “SAVE-SPEND-SAVE-“SAVE-SPEND-SAVE-
SPEND”SPEND” plans.
Cooperatives
TemptationTemptation
Ease ofEase of
withdrawalwithdrawal
Loan
Associations
Bank
SPEND ALL SAVINGS ONSPEND ALL SAVINGS ON
TRADITIONAL CELEBRATIONSTRADITIONAL CELEBRATIONS
Mutual
Funds

8. THE RIGHT METHOD OF SAVINGTHE RIGHT METHOD OF SAVING
SAVE FIRST
and
spend what is
left.
“SAVE &
SPEND”
method
ConsiderConsider
thethe
WAY OFWAY OF
THE ANTSTHE ANTS
Proverbs 6:6-8Proverbs 6:6-8
Save regularlySave regularly
without default orwithout default or
misappropriationmisappropriation
for specific needsfor specific needs
“Where there is no vision, the people
perish”, that is why foresight is important.
Just like putting money in
a piggy bank…
Just like putting money in
a piggy bank…
LIVE LONGLIVE LONG
LIVE LONGLIVE LONG EXPIREEXPIRE
YOUNGYOUNG
EXPIREEXPIRE
YOUNGYOUNG
Psalms 37:25Psalms 37:25 Ecclesiastes: 6:3Ecclesiastes: 6:3

9. WHAT IS FINANCIAL PLANNING? HOW IS FINANCIAL FREEDOM ACHIEVED?
YOU, age 30 earning $400.00 a month
1. Live within a budget.
Basic Needs – Fixed Expenses: Tithes,
Shelter, education fees, etc
Variable Expenses: Utilities, Food, Living
Allowances etc.
GOD’S WAY
Tithes: $40.00
Savings: $40.00
House: $60.00
Food: $45.00$45.00 $105.00
Utilities: $30.00
Transpo: $75.00
Spendable $5.00
$45.00$45.00 monthly savings
$8,750.00
Savings for Retirement
$15,000.00
Income Protection
$7,012.00
Profits Back Bonus
$8,750.00
Accidental Death Benefit
In case of Total and PermanentIn case of Total and Permanent
Disability, no need to saveDisability, no need to save
anymoreanymore
YOUR WAY
Tithes: $00.00
Savings: $00.00
House: $60.00
Food: $150.00
Utilities: $30.00
Transpo: $75.00
Spendable $85.00
Surrendering all our resources to God in prayer is the first step to do, and askingSurrendering all our resources to God in prayer is the first step to do, and asking
Him to help us in managing money in the light of His Word comes next.Him to help us in managing money in the light of His Word comes next.
DO YOU WANT HELP? ...
FREE Health & Financial Consulting Services: LUVIE at 9728100 or 7078100FREE Health & Financial Consulting Services: LUVIE at 9728100 or 7078100
$1.50 DAILY
INVESTMENT
ON HEALTH
FOOD

10. 10
Are you suffering from any of
these health problems?
• Indigestion
• Acid Reflux
• Constipation
• Skin Problems
• Memory Problems
• Weight Gain
• Low Energy
• Joint Pain
• Headaches
• Heartburn

11. in the South Pacific Islands are brought about by
WEIGHT –RELATED PROBLEMS
STATISTICS even show that in at least 10
of the South Pacific Islands,
50 to 90% of the
population are
overweight
ALARMING FACTS
as disclosed by
DR. TEMO
WAQANIVALU, Technical
Officer of the World Health
Organization

12. Are you Underweight / Overweight?
4 10 147.5 95 – 111 43 – 46
4 11 150 97 – 114 44 – 52
5 0 152.5 100 – 117 45.5 – 53
5 1 155 103 – 120 47 – 54.5
5 2 157.5 106 – 123 48 – 56
5 3 160 109 – 126 49.5 – 57
5 4 162.5 112 – 129 51 – 58.5
5 5 165 116 – 133 52.5 – 60
5 6 167.5 118 – 137 53.5 – 62
5 7 170 122 – 141 55 – 64
5 8 172.5 126 – 145 57 – 66
5 9 175 130 – 149 59 – 67.5
5 10 177.5 135 – 154 61 – 70
5 11 180 139 – 158 63 – 71.5
6 0 182.5 145 – 163 66 – 74
Male: ( Height-80 ) x 0.7 ± 10%
foot cm lbs. kg. U
N
I
V
E
R
S
A
L
B
M
I
C
H
A
R
T
5 2 157.5 116 – 133 52.5 – 60
5 3 160 119 – 136 54 – 61.5
5 4 162.5 122 – 140 55 – 63.5
5 5 165 125 – 143 57 – 65
5 6 167.5 128 – 147 58 – 67
5 7 170 132 – 151 59.5 – 68.5
5 8 172.5 136 – 156 61.5 – 70.5
5 9 175 140 – 160 63.5 – 72.5
5 10 177.5 145 – 164 66 – 74
5 11 180 149 – 169 67.5 – 76.5
6 0 182.5 153 –174 69 – 79
6 1 185 157 – 178 71 – 80.5
6 2 187.5 161 – 183 73 – 83
6 3 190 165 – 188 75 – 85
6 4 192.5 169 – 193 76.5 – 88
foot cm lbs. kg.
Female: ( Height-70 ) x 0.6 ± 10%

13. Being sickly or overweight puts you at greater
risk of developing dreaded diseases such as:
High Blood PressureHigh Blood Pressure
Diabetes, CancerDiabetes, Cancer
Cardiovascular DiseasesCardiovascular Diseases
StrokeStroke
Major Organ FailureMajor Organ Failure
Damage to JointsDamage to Joints
Varicose VeinsVaricose Veins
ArteriosclerosisArteriosclerosis
Being sickly or overweight puts you at greater
risk of developing dreaded diseases such as:

14. REASON # 1: POLLUTION
FACTORS THAT AFFECT OUR HEALTH
REASON # 2:
UNHEALTHY LIFESTYLE
HABITUAL EATERHABITUAL EATER
OF PROCESSEDOF PROCESSED
FOODSFOODS
REASON # 3 - DIET
CHAIN SMOKERCHAIN SMOKER
& HARD& HARD
DRINKERDRINKER
MEATMEAT
LOVERSLOVERS
LOVERLOVER
OFOF
SWEETSSWEETS
FOND OFFOND OF
FATTYFATTY
FOODSFOODS

15. 1. 2.
3. 4.
HOW FOOD TRAVELS INSIDE OUR BODY
IF YOU EAT THREE TIMES A DAY,IF YOU EAT THREE TIMES A DAY, YOU SHOULD MOVE AT LEAST ONCE DAILYYOU SHOULD MOVE AT LEAST ONCE DAILY
Stomach – 3 hours Small Intestines – 4 hours
Large Intestines – 6 hours 12 to 24 hours - Rectum

16. Symptom
Pencil
thin
stools
Caused by
STRESS

17. MUCOID PLAQUEMUCOID PLAQUE
Research conductedResearch conducted
by Dr. Richardby Dr. Richard
Anderson N.D. N.M.D.Anderson N.D. N.M.D.

18. Caused
by weight
of fecal
matter
Can cause problems like:Can cause problems like:
• FemaleFemale
InfectionsInfections
• CystCyst
• InfertilityInfertility
TO A WOMANTO A WOMAN
•ProstateProstate
• ReproductionReproduction
• Low Sex DriveLow Sex Drive
TO A MANTO A MAN

19. DID YOU KNOW?
The colon can goThe colon can go
up toup to 5X5X
its normal size.its normal size.
MEGA COLONMEGA COLON

20. If you think that’s just fat in your bellyIf you think that’s just fat in your belly

21. Think again.

22. Effortless
 Odorless
 Well formed
Bowel movement should be:Bowel movement should be:

24. ColostomyColostomy

25. Stages of Colon CancerStages of Colon Cancer

26. FIVE ORGANS OF ELIMINATION
Headaches, Memory,
Cholesterol & Joint
Problems & Low
Energy
Heartburn, Acid-reflux, &
Indigestion
Kidney Problems, Low
Sex Drive & Hypertension
Asthma & Bad Breath Acne, Skin Problems & Boils
TO SUM UP, IT ALLTO SUM UP, IT ALL
STARTED WITH WHAT WESTARTED WITH WHAT WE
INGEST INTO OUR BODY,INGEST INTO OUR BODY,
be it food, cigarettes,be it food, cigarettes,
alcohol, and more...alcohol, and more...

27. 3 WAYS TO TAKE CARE OF
YOUR HEALTH
• PREVENTIVEPREVENTIVE - Watch food, control your
eating habits or regulate the food you eat in
order to ensure that nutrients are absorbed
down to cellular level, TO AVOID GETTING
SICK
• CURATIVECURATIVE – At the slightest health concern
go for a health check-up, TO GET WELL
• SPIRITUALSPIRITUAL – Speak God’s Creative Power
for Healing, TO PREVENT SICKNESS OR
EXPERIENCE SUPERNATURAL HEALING

28. PCM’S LIVING FOOD MEAL PLAN
FRUITS
Apple
Banana
Cherry
Grapefruit
Kiwi
Orange
Mango *
Pawpaw
Pear
Pineapple *
Plum
Strawberry
Watermelon *
VEGETABLES
Asparagus
Beetroot
Broccoli
Cabbage
Capsicum
Carrots
Cauliflower
Celery
Cucumber
Eggplant
Green Bean
Lettuce
Okra (Bhindi)
Onion
Parsley
Spinach
Tomato
(LOW GLYCEMIC INDEX)
STARCHES Barley Black Bean Kidney Bean
Lentil Pea Mung Bean

29. OBEY WHAT
GOD’S
WORD SAY
(Gal.6:5, 1Tim.5:8,
Gal.6:2, 2Tim.2:2
& 2 Cor. 8:14)
SIMPLY EAT FRUITS & VEGETABLES EVERYDAYSIMPLY EAT FRUITS & VEGETABLES EVERYDAY
& DO A - B – C& DO A - B – C
A- Apply fist-size meal in eating ; B- Breakfast should be the heaviest meal, lunch shouldA- Apply fist-size meal in eating ; B- Breakfast should be the heaviest meal, lunch should
be any low glycemic index vegetables, and dinner should be any low glycemic index fruits.be any low glycemic index vegetables, and dinner should be any low glycemic index fruits.
C-Consume these foods daily without default and YOU will SEE & FEEL THE DIFFERENCE.C-Consume these foods daily without default and YOU will SEE & FEEL THE DIFFERENCE.
FailureFailure
to eat rightto eat right
results to the
need to use
natural food
supplements.

30. Avoiding Sickness, achieving
good health & staying healthy
is easy as A - B - C!
A – APPLY fist-size meal in eating.
B – BREAKFAST should be your heaviest meal. Lunch should be fruits &
Vegetables while Dinner should be any of Healthy Living Products
C – CREATE a habit in 21 days and DO THIS FOR LIFE.
ORDER & PAY your products, services and programs as can
afford, as needed or as required Cash On Delivery at retail
through PCM Partners or PREPAID at wholesale through
PCM at BSP, Fiji or direct UAE to BDO or BPI in Philippines.
FRANCISCA LUZVIMINDA A. ADRICULA BankFRANCISCA LUZVIMINDA A. ADRICULA Bank
of the South Pacific (BSP), Samabulaof the South Pacific (BSP), Samabula
Savings Account No. 8422005Savings Account No. 8422005
Call at 9728100 * 7078100 or Email: luvie.adricula.pcm4life@gmail.com

31. Contains plant phytofibers from fruits &
vegetables. E
D
M
A
R
K
N
U
T
R
A
C
E
U
T
I
C
A
L
S
SHAKEOFF $ 9.10 /sachet$ 9.10 /sachet
for colon cleansing and
detoxification
BUBBLE C $ 2.35 /sachet$ 2.35 /sachet
for fast nutrient
absorption
SPIRULINA $ 0.65 /tablet$ 0.65 /tablet
for good nutrition
foundation
MRT $ 10.85 /sachet$ 10.85 /sachet
for burning fat and
nourishing
BIO ELIXIR $ 15.35 /sachet$ 15.35 /sachet
for natural release
of HGH resulting to anti-
aging.
RED YEAST $ 1.85 /sachet$ 1.85 /sachet
removes bad cholesterol &
triglycerides naturally
SPLINA $ 100.00 / bottle$ 100.00 / bottle
balances acidity &
alkalinity of the blood
GINSENG $ 1.85 /sachet$ 1.85 /sachet
for increased
energy & mental alertness
while normalizing blood
pressure
COCOLLAGEN $ 3.00 /$ 3.00 /
sachetsachet for the complete
vitamins of your skin
PROMO PACKS FOR PCM MEMBERSPROMO PACKS FOR PCM MEMBERS
Cleanse/Protect, Nourish/Protect, Balance/ProtectCleanse/Protect, Nourish/Protect, Balance/Protect
@@ $25.00 monthly$25.00 monthly w/o default for a yearw/o default for a year
Alkaline-rich vegetable from blue-green algae
Low calorie balanced organic formulation.
Natural excellent soy protein & whey extracts
with free form amino acids
Made of fermented red yeast rice & coffee
beans
Made from natural oranges for vitamin C
and fortrified with calcium
500 gms of Liquid Chlorophyll from
Alfalfa & Mulberry leaves
Made from Ginsenoside with arabica
coffee.
Chocolate flavored high grade marine collagen

32. PCM’S HEALTHY LIVING DIET PLAN
MEALS
Breakfast
Snack
Lunch
Snack
Dinner
DAY 4
Tropical Bliss
Amazing Juice
Bucado
Amazing Juice
Ginger Zinger
PCM’S ONE WEEK TRIAL
HEALTHY LIVING DIET PROGRAM
offers a
MONEY BACK GUARANTEE
If there is no loss in size, weight or
improvement in health condition
within a week’s time.
DAY 5
Powerhouse
Amazing Juice
VeggieVitality
Amazing Juice
Juice Relaxer
DAY 6
Tropical Delight
Amazing Juice
Carple Bliss
Amazing Juice
Veggie Vitality
DAY 7
High Energy
Amazing Juice
Powerhouse
Amazing Juice
Sprout Surprise
EXTENSIVE 3 DAYS DETOXEXTENSIVE 3 DAYS DETOX
A choice of natural fruit juice extract
from fruits in season all day long:
A.Watermelon Juice
B.Grapefruit Juice
C.Amazing Chorophyll Juice
Shakeoff Phyto Fiber for Dinner
PCM’s Wonder Soup Meal – Onions, Tomato, Dhania, Cabbage, Spinach, Celery
& Mung Bean Sprouts

33. ACCEPT
THAT MAN IS COMPOSED OF BODY,
SOUL AND SPIRIT, ALL THREE (3) MUST
BE WELL TAKEN CARED OF.
T
R
U
T
H
S
That GOD created the HUMAN BODY with a
natural ability to heal itself through physical law
or spiritual law, has given us financial principles
to live by & a bright future life to look up to.
Isaiah 53:5 &6 (healing), Job 33:14-30 (Cause of Sickness & Healing),Job 33:14-30 (Cause of Sickness & Healing),
2 Corinthians 8:9 (prosperity), John 10:10 (abundance),
John 5:24 (eternal life)

34. “For all have sinned and
fall short of the glory of
God.”
Romans
3:23
The Bible says...
THE WAGES OF SIN IS
DEATH

35. Romans
3:10
“As it is written, There is
none righteous; no not
one.”
If YOU die today,
where do you think will
your soul and spirit go?

36. ACCEPT
BELIEVE
That JESUSJESUS IS THE ONLY
WAY TO HEAVEN for your soul
& spirit and aa RIGHTRIGHT
RELATIONSHIP WITH GODRELATIONSHIP WITH GOD will
allow you to claim His promises
of PROSPERITY & GOODPROSPERITY & GOOD
HEALTHHEALTH for your physical body
as promised in 3 John 2.
Do YOU know that
you can secure
where your soul
and spirit will
spend eternity -
today?

37. “Neither is there salvation in
any other. For there is no
other name, under heaven,
given among men, by
which we must be saved.”
ACTS 4:12

38. ACCEPT
BELIEVE
CONFESS
CONFESS YOUR SINS TO GOD THROUGH CHRIST,
ask forgiveness for the wellness of your soul and spirit.
Do you want
freedom, from
physical, financial,
and spiritual
bondages?
A - accept,
B - believe,
C – confess.
NOW - redeeming
the time at hand.

40. GOOD HEALTH IS YOURS ON A DAY TO DAY BASIS, YOU CAN NEVER TELLGOOD HEALTH IS YOURS ON A DAY TO DAY BASIS, YOU CAN NEVER TELL
WHAT YOUR HEALTH CONDITION WILL BE TOMORROW.WHAT YOUR HEALTH CONDITION WILL BE TOMORROW.
and, YOU ONLY HAVE TODAY TO DECIDEand, YOU ONLY HAVE TODAY TO DECIDE
from GOD
3 John 23 John 2
FINANCIAL SECURITY IS NOT A MATTER OF CHANCE BUT OF CHOICE –FINANCIAL SECURITY IS NOT A MATTER OF CHANCE BUT OF CHOICE –
TO PLAN AHEAD OF TIME, because yesterday is gone, tomorrow will never comeTO PLAN AHEAD OF TIME, because yesterday is gone, tomorrow will never come
from the law
of sin & death

41. HOW TO PRAYHOW TO PRAY
Dear LORD JESUS,Dear LORD JESUS,
I realized that I am a sinner and need your forgiveness. I believe thatI realized that I am a sinner and need your forgiveness. I believe that
you died on the cross for my sins and that you have redeemed me fromyou died on the cross for my sins and that you have redeemed me from
the curse of the law of sin and death. I want to turn away from my sinsthe curse of the law of sin and death. I want to turn away from my sins
now and I invite you to come into my heart and life. I trust you and amnow and I invite you to come into my heart and life. I trust you and am
determined to follow you as my Lord and Savior. Take control of my lifedetermined to follow you as my Lord and Savior. Take control of my life
and guide each step I take, daily in all my activities. Let your Holy Spiritand guide each step I take, daily in all my activities. Let your Holy Spirit
be with me. Now I understand that you have redeemed me from pover-be with me. Now I understand that you have redeemed me from pover-
ty, sickness and death. And with eternal life, I am on my way to claimty, sickness and death. And with eternal life, I am on my way to claim
your promise of prosperity and good health.your promise of prosperity and good health.
In Jesus name I pray, AMEN.In Jesus name I pray, AMEN.
________________________________________________________________
NAME & SIGNATURENAME & SIGNATURE
DATE:_____________DATE:_____________