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  1. 1. PHASES OF LIFEDay 1 to 21 22 Years to 55 Aged 56 and Years Old Years Old AboveGROWING STAGE WORKING STAGE RETIREMENT STAGE • Working long • Old age No worries hours • Jobless Fully supported • Worries about • Still facing inflation by parents your family • Unavoidable medical • Paying for expenses mortgages, • Worry about support installments, from children children’s education, food and clothing • Facing Inflation BE PREPARED!!!
  2. 2. Why do we study? Nursery – 3 years  Parents Expenses: Elementary – 6 Worth Thousands years and Millions High School – 4 years College – 4 years MBA ? • EMPLOYMENT at PhD? Php10,000/month More than 14 years of study
  3. 3. NeedsStudy Job Cash Wants
  4. 4. Gastos? Negosyo!! TV  Stocks VCD  Real Estate Refrigerator  Money Market Cellphone  Insurance Furnitures  Business Kit
  5. 5. Word Of Mouth Advertisement?  Fast Food  Movie  SM  Robinson’s Place Do You Earn Profit?  Starbucks  Amusement Parks
  6. 6. Sipag + Tiyaga = Nilaga (Balut Vendor, PUV Driver, MagtaTAHO, Ordinary Employees)Sipag + Tiyaga + Determinasyon + Sistema = Success(Lucio Tan, Henry Sy, Ray Kroc of Mcdo, Tony Tan of Jollibee, Networkers, etc.) Income Time Result Php10K x 12 mos. X 40 Years = Php4.8 Million Php100k x 12 mos. X 4 Years = Php4.8 Million 36 yrs
  7. 7. The Power of Multiplication Formula to be Rich Multiplication – manpower, timeI would rather earn or have 1% from the effort of 100 people rather than 100% from my own effort! ~~ JOHN PAUL GETTY
  8. 8. “Kapag ipinanganak ka namahirap, di mo kasalanan peromamatay na mahirap,kasalanan mo na yan” –Antonio Villegas (FormerManila City Mayor)20 years old, 40 years of employment at the age of 60? Mayaman na ba?
  9. 9. Jeremiah 29:11 For I know well the plans I have in mind for you, says the LORD, plans for your welfare, not for woe! plans to give you a future full of hope”.

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