peranghindibitin 2011ver3-ardy roberto-hitachi

Diagnostic Test:

Stare for a few seconds at each of the

following patterns.

Are the patterns moving?

Or are they perfectly still??

The patterns are used to test the level of stress a person

can handle.

None of these images are animated - they are perfectly

still.

The slower the pictures move, the better

your ability of handling stress.

Senior citizens and kids see them standing still. Walang

stress!

Alleged criminals that were tested see them

spinning around very fast!

How did you do with the test??

Everyone has different

sources and kinds of

stress

Goodyear Plant Closed

Because of Global Financial Crisis

Job Fair

China job fair

Your money or your life?

Adolf Merckle (World‟s 94th richest, Germany‟s

5th richest) stressed out by financial crisis: Commits Suicide (Jan 6-09)

―Whoever loves money never has money

enough; whoever loves wealth is never

satisfied with his income. This too is

meaningless.‖

Ecc 5:11

Adolf Merckle (World‟s 94th richest,

Germany‟s 5th richest) stressed out by

financial crisis: Commits Suicide (Jan 6-09)

warning:

―People who want to get rich fall into

temptation and a trap and into many

foolish and harmful desires that plunge men

into ruin and destruction. For the love of

money is a root of all kinds of evil. Some

people, eager for money, have wandered from

the faith and pierced themselves with many

griefs‖

1 Timothy 6:9-10

P80M Lotto Winner,

Naputulan ng Kuryente. "Last Sunday‘s debut telecast (True

Stories on QTV featured) the story of

a man who won over P80 million playing the lotto sweeps—and

eventually lost most of it. In fact, his

fortunes have fallen so low that the

electricity in his ―mansion‖ has been

cut off, and his kitchen shelves are

bare. (Inquirer.net, 1/29/10.

Florida Lotto winner wished

he had never won. Family members say Abraham

Shakespeare, a truck driver's assistant,

was constantly hounded for a piece of

his $30 million lotto winnings.

Shakespeare's brother told The

Associated Press that Shakespeare

often wished he had never bought the

winning ticket. `` `I'd have been better

off broke.' He said that to me all the

time,'' Robert Brown said. (In April of

2009, Shakespeare was murdered and

buried in the backyard of his friend.) Read more: http://www.miamiherald.com/

―…I have come that they may have

life, and have it to the full.‖- John 10:10

i.e. ang buhay na hindi bitin

Enemy uses money to tempt and trap us

and steal our joy…

Fact:

90% of Filipinos are ―broke or will die

broke‖ -Bank of the Philippine Islands (BPI) study

Truth:

"For I know the plans I have for you,"

declares the Lord, "plans to prosper

you and not to harm you, plans to

give you a hope and a future.‖

Jeremiah 29:11

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 kayamanan

ng Diyos, ibibigay niya ang lahat ng inyong

kailangan sa pamamagitan ni Cristo Jesus.

Purihin ang ating Diyos at Ama

magpakailanman! Amen‖

(Filipinos 4:19-20, MBB)

Based on

scripture

truth, research

and experience

Ardy RobertoAuthor, Buhay na Hindi Bitin,

Pera na Hindi Bitin

www.saltandlight.ph

Money – earning,

saving, managing...

Confusing and

stressful…

The Bible has

500 verses on prayer;

500 verses on faith; but over

2,000 verses on money

and possessions.

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 insult

God's holy name.

Proverbs 30:7-9 (NLT)

Diyos ko, may hihilingin akong dalawang bagay

bago 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 na

kita kailangan.

Baka naman kung maghirap ako'y matutong

magnakaw, at pangalan mo'y malapastangan.

Kawikaan 30:7-9

―enough‖ ―sapat‖

=

contentment

"Yet true godliness with contentment is itself

great wealth. 7After all, we brought nothing with

us when we came into the world, and we can‘t

take anything with us when we leave it.―

(1 Timothy 6:6-7, NLT)

―enough‖ ―sapat‖

=

contentment

through

stewardship

mindset

―The earth is the

LORD‘s, and everything

in it, the world, and all

who live in it‖Psalm 24:1

―Naked I came from my mother‘s womb,

and naked I will depart. The LORD gave

and the LORD has taken away; may the

name of the LORD be praised‖ (Job 1:21).

purpose

=

faithful stewards

parable of the talents

Matthew 25:14-30

―Well done, good and faithful servant! You

have been faithful with a few things; I will

put you in charge of many things. Come

and share your master's happiness!‖

(Matthew 25:23. NIV)

can you be trusted with little things?

when you borrow P5, do you return it?

do you ―borrow‖ and bring home paper clips from

the office?

try and test:

Be faithful in the little things and you will be

entrusted with bigger things.

God honors good stewards.

"Ang mapagkakatiwalaan sa maliit na

bagay ay mapagkakatiwalaan din sa

malaking bagay; ang mandaraya

sa maliit na bagay ay mandaraya

rin sa malaking bagay."

(Lucas 16:10 MBB)

"Kaya kung hindi kayo

mapagkakatiwalaan sa mga

kayamanan ng mundong ito, sino ang

magtitiwala sa inyo ng tunay na

kayamanan? At kung hindi kayo

mapagkakatiwalaan sa kayamanan ng

iba, sino ang magbibigay sa inyo ng

talagang para sa inyo?"

(Lucas 16:11-12 MBB)

―You earn wages, only to put them in a purse with

holes in it‖ (Haggai 1:6b)

work story -

ham cook

call center

gardener

mail room clerk

test subject – sleep deprivation study

fire extinguisher salesman

encyclopedia salesman

writer

employee - entrepreneur

concert promoter

“Most Successful Failure”

“Everything that we

could do wrong, we did

wrong...”

sobrang lugi!

nabaon ako sa utang

sold the business

bible study

applied God‘s word

miracles of faithful stewardship

- zero debt within 1 yr

- married within means

- honeymoon in Europe

―I know what it is to be in need, and I know

what it is to have plenty. I have learned the

secret of being content in any and every

situation, whether well fed on hungry, whether

living in plenty or in want. I can do everything

through him who gives me strength‖

(Philippians 4:12-13)

―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

Pagtiyagaan ang mga trials and hardships

because...

Dec „99-May 2000

Crisis situation – Very ill, suspected to have bone cancer or leukemia

www.saltandlight.ph

www.saltandlight.ph

“Missed diagnosis”

June 2000

“SLE”

Systemic Lupus:

Attacked multiple organs, espkidneys, nervous system, etc

Very bad prognosis..

www.saltandlight.ph

October 2000

My “Miracle”:

Patient

• Kidney damage reversed

• No chemotherapy

• No Dialysis

• Minimal medication

• Lupus quiet since 2000

www.saltandlight.ph

Kodigo para sa mga may problemang

bitin na pera...

strategy 1

Save

Mag-ipon

Para makaipon ng iyong unang

milyon, kailangan mong mag-umpisa

sa pag-iipon ng piso-piso. Huwag

mong isipin na maliit ang piso para

ipunin.

The “Automatic Millionaire”

Savings System

Amazing savings

example: If you earn P7,500 a month,

save P750 every month by

automatic transfer or deposited to your

special savings account na nagbibigay ng at

least 7.5% interest per annum (or per year).

P750@ mo

3 yrs = P30,000

5 yrs = P54,000

10 yrs = P132,000

20 yrs = P400,000

30 yrs = P1,000,000!

Ang galing ‗no? Sabi nga ng genius na si

Albert Eintein, ―The most powerful force in

the universe is compound interest.‖

www.youngmoney.com/savings-goals/calculator

―Ang tao na ipon ng ipon, pera niya‘y ‗di

lilipad na parang ibon!‖

Do you have a savings strategy?

20 – 20 Strategy:

Save 20% of your income,

20 years before you want

to retire

Do you know where your

money went?

I-lista!

Lahat ng kinita at ginastos

sa isang buwan.

(see sample hand out)

Do you have a

spending plan or a

budget?

Usual Budget X

Salary/Income

- Less Expenses

= Savings / Debt

Budget Y

Salary/Income

-Less Giving (10%)

-Less Savings (10% - 20%)

-Less Debt/Utang (10%)

= Budget for Expenses

(70% - 60%)

BUDGET AMOUNT %

SALARY P 10,000 100%

Giving/charity (P 1,000) 10%

Savings (P 1,000) 10%

Debt/Amort (P 1,000) 10%

EXPENSE

BUDGET

P 7,000 70%

Items:- Rent

- Food/

- Utilities

-School/Edu/Kids

- Transpo

-Clothes

-Entert

-Misc. P 7,000*

BUDGET AMOUNT %

SALARY P 20,000 100%

Giving/charity (P 2,000) 10%

Savings (P 2,000) 10%

Debt/Amort (P 2,000) 10%

EXPENSE

BUDGET

P14,000 70%

Items:- Rent

- Food/

- Utilities

-School/Edu/Kids

- Transpo

-Clothes

-Entert

-Misc. P14,000*

Savings of

P2,000 a month

for 20 years

= P935,323

Savings of

P4,000 a month

for 20 years

= P1,864,025

*6% p.a. compounded

monthly

Savings of

P10,000 a

month for 20

years

= P4,676,613

*6% p.a. compounded

monthly

Savings of

P1,000 a month

for 20 years

= P467,661

When is the

best time to

start

saving?

Why save?

Ang purpose ng pag-iipon is so that we

may become generous and able to

support ourselves and our

family (and even our extended family

who may need help).

Sabi ni Solomon:

―Good people leave an

inheritance to their

grandchildren, but the sinner‘s wealth

passes to the godly‖

Proverbs 13:22, NLT

―There is only one reason that God

supplies a surplus of wealth to a

Christian--so that he will have

enough to provide for the needs of

others.

Because true wealth comes with

the gift of giving.‖

―Do not store up for yourselves treasures

on earth, where moth and rust destroy,

and where thieves break in and steal.

But store up for yourselves

treasures in heaven, where moth and

rust do not destroy, and where thieves do

not break in and steal. For where your

treasure is, there your heart will be also‖

(Matthew 6:19-21)

strategy 2

give

In harvest time...

―Bring to the storehouse a full tenth of what

you earn so there will be food in my house.

Test me in this, says the Lord All-Powerful. I

will open the windows of heaven for you and

pour out all the blessings you need‖

(Malachi 3:10 The Every Day Bible Version).

―Magbigay kayo at kayo‘y

bibigyan. Hustong takal, siksik,

liglig, at umaapaw ang ibibigay

sa inyo. Sapagkat ang panukat

ng ginamit sa iba ay siya ring

panukat na gagamitin sa inyo.‖

- Luke 6:38

Siksik, Liglig at Umaapaw

―Give generously to him and

do so without a grudging

heart; then because of this

the LORD your God will bless

you in all your work and in

everything you put your hand

to.‖ – Deuteronomy 15:10

"Why does God provide an

accumulation of wealth? So

His people can exercise the

spiritual gift of giving.‖– Larry Burkett

Giving is a sign that God‘s love is in you:

―If anyone has material possessions

and sees his brother in need but

has no pity on him, how can the

love of God be in him?‖

(1 John 3:17, NIV)

strategy 3

get out of debt and

stop borrowing

“Let no debt remain outstanding,

except the continuing debt to love

one another, for he who loves his

fellowman has fulfilled the law‖

Romans 13:8

Ways to get out or stay out of debt

1. Borrow from a pessimist

2. Budget for debt repayment – don‘t go into

denial

3. Communicate with your debtors

4. Plastic surgery

{live on a cash basis – avoid cards}

Vangie‘s story:

Racked up P100,000 credit card bill.

Paid minimum amount due every month

Bill eventually became P1.3M

Para mabayaran ang utang, nagtrabaho si

Geli sa ibang bansa bilang yaya sa isang

mayaman na pamilya.

Mahirap ang mabaon sa utang. Sabi ni King

Solomon: ―The rich rules over the poor, and

the borrower becomes the lender‘slave‖

(Proverbs 22:7, NASB)

5. Don‘t buy / rent ―too much‖ house

―Finish your outdoor work and get your

fields ready; after that, build your house‖

Proverbs 24:27

6. Do not cosign loans!

Huwag managot sa utang ng iba

"Huwag kang mangangako para sa utang ng

iba, ni gumarantiya para sa kanya. Kapag

hindi ka nakabayad, hindi ba't kukunin pati

ang higaan mo?"

Kawikaan/Proverbs 22:26-27 (MBBible)

7. Don‟t buy stuff on credit just to

impress other people.

Huwag umutang para lang magpa-

impress

―Too many people spend money they

haven‘t earned, to buy things they don‘t

want, to impress people they don‘t like―

- Will Rogers

8. Avoid emotional spending

-Huwag bumili ng gamit pag depressed

-Huwag pumunta ng supermarket ng

gutom

strategy 4

Live Simply

“Mabuhay ng

simple!”

―Being frugal is the cornerstone of

wealth building.‖

- The Millionaire Next Door

stewardship case studies

guess who?

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 cellphones

2005

Utang/Debt = $38M

champion boxer – champion gastador

2005

Utang/Debt = $38M

Be faithful to what God has given us or He will take

it away.

world champion boxer – pinoy from gensan

―Keep your lives free from the love of

money and be content with what you have

because God has said. Never will I leave

you, never will I forsake you.‖

(Hebrews 13:5, NASB)

Tale of two workers

Lita

•Lives simply – no malls, no movies

•Reads for enjoyment

•Laundry woman

•Husband – jeepney driver

•Sent 5 children to school – all working

•Very seldom asked for advance on salary

Kung mayroon lang tayong

pagkain at damit, tama na raw

iyon, dapat kuntento na tayo

(Paul to Timothy - 1 Tim 6:8)

Tale of two workers

Lori

Gastador

Text / load

DVD

Asawa – spends on cigarettes/yosi, alak

Always asks for advance

―You earn wages, only to put them in a purse with

holes in it‖ (Haggai 1:6b)

Pray before you pay.

―As goods increase, so do those who

consume them. And what benefit are they

to the owner except to feast his eyes on

them?‖

(Eccelesiates 5:11)

strategy 5

Magsipag,

Mag-negosyo

―Lazy people are soon poor; hard workers

get rich.‖

(Proverbs 10:4, NLT)

Maging Enterprising!

―All hard work brings a profit, but

mere talk leads only to poverty‖

(Proverbs 14:23)

―Do not love sleep or you will grow poor;

stay awake and you will have food to

spare‖

(Proverbs 20:13)

Microfinancing

MFI‘s – WorldVisionMicro.org

Maragondon, Cavite

Natural/organic farming

Organically fed hogs – P10k @

Small business, franchise or direct

selling distributorship

www.dsap.ph

Franchising

http://www.gmbfranservice.biz/

strategy 6

Mag-invest

Double your money offer

The lesson is “If it‟s too good to be true,

it probably is!”

―Before you invest, investigate.‖

―People who want to get rich fall into

temptation and a trap and into many foolish

and harmful desires that plunge men into ruin

and destruction. For the love of money is a

root of all kinds of evil. Some people, eager

for money, have wandered from the faith and

pierced themselves with many griefs‖

(1 Timothy 6:9-10)

NBI WARNS OF MORE PYRAMID SCHEMES

Philippine Daily Inquirer, February 23, 2008

SHOWBIZ CELEBS INVESTED IN

FRANCSWISS SCAM

Philippine Daily Inquirer, July 11, 2007

FORMER PBA CAGER ADMITS

LOSING MONEY TO FRANCSWISS

Inquirer.net July 18, 2007

BOGUS „SM‟ ONLINE FIRM LURES INVESTORS

Manila Times, July 13, 2007

―If you are a disciplined investor, at nag-iinvest ka

regularly ng P5,000 a month for the next 20 years

in Blue Chip stocks or shares, after 20 years, your

shares should be worth P20 million pesos.

Citisec (www.citiseconline.com.ph)

Real Estate

Mutual Funds

Stock Market

strategy 7

Educate

Yourself

Sabi ni Chinkee Tan sa kanyang

libro, For Richer & for Poorer,

―Rich people educate themselves

more than they entertain

themselves.

Poor people entertain themselves

more than they educate

themselves.‖

161

“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)

162

Lower/Middle Class Segment

• Ubos ang pera sa Bingo, Lotto,

Billiards, Sabongan…

Diagnostic Test:

Stare for a few seconds at each of the

following patterns.

Are the patterns moving?

Or are they perfectly still??

Magsubscribe sa

Wealthy & Wais text service.

Just text WEALTHY

and send to 2910 (Smart/Globe to ff)

Simple lang!

Get daily encouragement

on how to wisely

manage

your finances for

just P2.50@day.

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.

Look for scholarships and

educational exchange programs

for yourself or your children.

If God asked you what you

wanted, what would you ask

for?

2 Chronicles 1:7-12

―That night God appeared to Solomon and said,

‗What do you want? Ask, and will give it to you!‘

2 Chronicles 1:7-12

Solomon replied to God, ‗you showed faithful

love to David, my father, and now you have

made me king in his place. O LORD God,

please continue to keep your promise to David

my father, for you have made me king over a

people as numerous as the dust of the earth!

Give me the wisdom and knowledge to lead

them properly, for who could possibly govern

this great people of yours?

2 Chronicles 1:7-12

God said to Solomon, ‗Because your greatest

desire is to help your people, and you did not

ask for wealth, riches, fame, or even

the death of your enemies or a long

life, but rather you asked for wisdom and

knowledge to properly govern my people—I will

certainly give you the wisdom and knowledge

you requested. But I will also give you

wealth, riches, and fame such as no other

king has had before you or will ever have

in the future!.‖

Sabi ni Haring Solomon, na naging

pinakamayaman na hari even after he asked

God to bless him with wisdom,

―Trust in the LORD with all you heart and lean

not on your own understanding; in all your ways

acknowledge him, and he will make your paths

straight‖

(Proverbs 3:5-6)

Pitong Paraan

Para Di Mabitin ang Pera

1. 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-spending

4. Live simply. Be frufal. Keep your expenses

less than your income.

Pitong Paraan

Para Di Mabitin ang Pera

5. Magsipag, Mag-negosyo. Maging

enterprising o mag-umpisa ng sideline o

negosyo

6. 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.

Mag-umpisa na!

The end

―And my God will meet all your needs

according to His riches in glory in Christ Jesus‖

(Philippians 4:19)

Sa Tagalog,

―At buhat sa hindi mauubos na kayamanan

ng Diyos, ibibigay niya ang lahat ng

inyong kailangan sa pamamagitan ni

Cristo Jesus. Purihin ang ating Diyos at Ama

magpakailanman! Amen‖

(Filipinos 4:19-20, MBB)

Thank you!

www.saltandlight.ph

From the Roberto family

Facebook: ardy roberto

Cel: +0920-9519618

Email: ardy@saltandlight.ph

Web: saltandlight.ph

Diagnostic Test:

Stare for a few seconds at each of the

following patterns.

Are the patterns moving?

Or are they perfectly still??

―we are called to be good faithful managers‖

"For everyone who has will be given more, and

he will have an abundance. Whoever does not

have, even what he has will be taken from him."

Matthew 25:29 (NIV)