Archive for the ‘faith’ Category

Photo Courtesy: Google Images

Photo Courtesy: Google Images

Before you continue reading the whole post, I have a confession to make. I have become a victim of an investment scam (Aman Futures, 2012). It was year 2012 when a big fraction of my savings bid farewell in my pocket and down the drain to perish forever. Like most of the so called “investing people” that time, we all felt depressed and confused. But that nasty scar brought a gargantuan learning experience. I vowed to myself to not let it happen again. I subjected myself to self-imposed research, sought attendance in financial seminars and read and read to learn stuffs I never thought existed. I realized if people only knew what I know today, we all could have made wise investment decision. I hope this post will help provide guidance to you and the people you love.

Many people confuse investment with business or deliberately use them interchangeably. The truth is they are alike but are not the same. In Robert Kiyosaki’s Rich Dad, Poor Dad book series, it is a continuous theme and pronouncement that an investment is money you put into something that has the potential of getting a return. If you purchased something but has no potential gain/profit then it is not an investment. For example, you buy a new house and call it an investment. If you do not plan to have it rented or sell it in the future for a higher value; it must not be defined an investment.

Investment could mean a lot in many people. Some attach emotions to it which will make it wide of the mark. I know someone who buys a new car and say that it is an investment for himself. This isn’t an investment! You call it an ego bolster instead.

  1. Recruiters are in Haste – Scammers know that they do not offer you anything with value. And because you do not know it or doubt about it, they do not want to give you time to think about it. So to avoid that you’ll do in-depth research, they will be pushy. And to rid-off annoyance, you will sign up only to regret it in the end.
  1. Buy More to Earn More – This usually happen in “networking company” scams. They will sell you products that are hard to sell. When you realize that it is difficult to dispose your inventory, you have no resort but to recruit people to earn from their recruitment commissions. The problem with this thing is that, essentially no company will survive without a product being sold and bought. Earning money due to recruitment is a tell-tale sign of a company waiting to collapse. Here’s more, according to RA 5601 or otherwise known as Anti-Pyramiding Law, the SEC requires all MLM (Multi-Level Marketing Company) to not engage in Pyramiding Scheme. This means that total worth of products given back to members of the MLM must not go lower than 73% of the total capital shelled out by the member. Example, if your registration for a food supplement MLM company is P 10,000 the stocks you must receive should be worth not under P 7,300.00
  1. Recruiting Members to Earn – Now I really, really want you to get this so please read very carefully. If you were asked to recruit so you will be compensated, then you have all the right to doubt. Here’s why. According to the Securities and Exchange Commission (SEC) when a company registered to them as a corporation collects “membership fee” to compensate uplines and representatives and relies on the circulating membership (not on products sold), in effect that company are collecting securities or investment amount. Any company in the Philippines that sells securities or collects investment is defined as an “Investment Company” and because they will fall within that category, they are bound by law to secure a Secondary License (as per SRC RULE 68, AS AMENDED) from the SEC (Securities and Exchange Commission). If they fail to do so, then you are dealing with an unregistered company thereby making their offer null and illegal.
  1. Use the Rule of 72 – According to investopedia, “It is a rule stating that in order for you to find the number of years required to double your money at a given interest rate, you divide the compound return into 72. The result is the approximate number of years that it will take for your investment to grow”. How do you use this rule in your investment? If someone approaches you and says “ I will double your money in two years….” That simply means 72/2=36. Hence, using this formula, you know that your money will grow 36% per year. Although this is possible, this is also very ambitious. Remember risk-reward trade off, the higher the return the higher the risk. So if your heart is not prepared to take on high risk investments, this is not for you. The problem happens when representatives in these so called companies promised you that guaranteed return with NO RISK AT ALL. Quite frankly, a company without proven track record to provide that high return is a scam. Too good to be true as they say.
  1. Do your Homework and Research – We are in the information age so looking for information is easy. If you have any doubts about an investment opportunity or any networking company, you may check Securities and Exchanges Commission’s advisories. In their website you may be surprised to know that it houses a long list of companies who may have engaged into unfair investment practices. Always exercise due diligence so as not to be duped by shark-like scammers hungry to get hold of your hard-earned money.

P.S. I hope you learn something new. If you think this is helpful, please share.

P.S. 2. Please join our group in Facebook called Pagadian City Stocks Network

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Gratitude

There are two wonderful things in life; first, is the day you were born and the second is the day you find out why.

 

Today, the Lord has proven His faithfulness to me again by giving me another year to live. This birthday is truly meaningful for God led me to a totally new direction. For so many years I have evaded from this path but now I am embracing it wholeheartedly.

 

For the past two years I endured the darkest storm in my life. My footstool has been shaken and been overwhelmed with enormous challenges from all directions. Losing a fortune, a flourishing career and good plans are devastatingly painful but nothing beats the pain of being abandoned by friends who unfairly lambast you with hurtful words on social media. I was reeling for a deep gangrene of a fallen relationship with them, a relationship I closely likened to my siblings.

 

I decided to not dwell on it for in anything and everything I believe God have good reasons for allowing it to transpire. I learned to understand that we never learn when we are on the mountaintop, instead we learn best in the valley. No matter how dark this valley may get, as long as you remain steadfast in your faith in God, no storm can wipe you out from His amazing grace. Understand that God’s love for you is bigger than your greatest disappointments.

 

God in His infinite wisdom showed me that He has to remove nocuous friends so they will be replaced with anodyne ones. He has to take out opulent opportunities so meaningful careers can come in. He will make you do things so you can show others how to do it. He will allow you to reach the point of giving up so you will know that giving up is not the end but fighting is. It is in fighting for your visions and dreams that you will discover new strengths to grow and build again.

 

As I journey for another year in life, I am fully convinced that I am not alone. I know Someone walks beside me. Challenges will still come but my Lord’s yoke and burden are light.

 

To papa & mama, thank you forever.
To my beautiful sisters Jairus & Jaycel, I love you both.
To my true friends, you are my siblings from other parents.
To everyone who touched my life both friends and foe, gratitude for teaching me lessons.
To my great Lord and Savior Jesus Christ, I am forever in awe of your love to me. Thank you for directing me to my divine purpose. I LOVE YOU LORD.

The last 2 Christmases were not so good to me. Not so good in a way that my experiences were specifically daunting. Year 2011, just two months before Christmas, I saw my company’s performance dwindling down. God knows how I tried to save it but it seems like every action that I do comes to no avail. There were still many things that I tried doing to save it but I kept it secret from my team. I thought, by doing that, I can cushion them from the headache of getting financed by just having them to focus on ramping-up our sales, but unfortunately even that, we missed. The uphill climb was tracked by me alone.

I have learned that being a leader, as someone who is on top of the organizational hierarchy is truly a very lonely place. A lot of people think that it was full of glee for having gregarious environment all around you… but my experience will tell me it is the exact opposite. You make decisions that are general in scope, and yet you could expect it will not be taken lightly. And at the time when you need all the strength and encouragement you can get, you find yourself in the middle of the mire where everyone is ganging up against you. One single life-changing, career-aligning decision will move your subordinates to crucify you many times over even if you know your heart bleeds of the decision you have to make of closing the very company you love. Blame, hate, false accusations and digital effluvia were just a few things I endured. Nonetheless, in all this, I choose to stay mum and reserved.

In the heyday of my success and wealth, I have 100 friends BUT in the valley of my loss and poverty, I would be lucky if I have 5 that remembers. 

Year 2012, I am filled with hope. I thought that things are beginning to turn-around. But every door of opportunity I knock on, were two doors shunning down. I lost a big amount of money from an investment scam. I was literally swimming with debt. I didn’t know what to do. Fear overran me. Depression intends to claim my life. Extreme loneliness and pain were a meal every morning. The feeling was unbelievably crippling and paralyzing.

In my deepest pain, I turned to God and God is good indeed.

This year, 2013, God has restored me. He healed all my pain. He taught me how to forgive myself for the unwise decision I made. He touched my heart to forgive others and give them more love. God opened my eyes that I never lost my talents and abilities. God shook away my pride and replaced it with humility. God renewed my mind. God did not only make me happy but assured me of joy. God remove my doubt and offered me faith.

Then as I begin to realize how my pain made all sense, fear melted away from my sight. Fear transformed into love, courage and forgiveness. I come to know that I really never feared my darkness. I feared my light. Because deep inside I know, that when I set mind unto something, I can turn it into something great – so great that I may not have a ready aptitude and audacity to handle it.

God slowly opened door after doors of opportunity. My career and purpose were now affirmed, my entrepreneurial ideas were sharper than ever and my knowledge in finance like stock market and money market instruments were honed. I met new mentors in different fields. I have learned new things I wish I knew earlier. I met new friends that uplift my worth and affirm my expertise.

I can no longer visit my past with blame and guilt but with authentic gratitude for the many lessons it has counseled me with.

I discovered that the greatest gift I have ever received is LOVE and the greatest gift I have ever given is FORGIVENESS.

This Christmas… the Christmas where the Lord became my fortress, strength and my friend is a Christmas of VICTORY, EMPOWERMENT, FORGIVENESS and LOVE.

This is what this Christmas means to me.

May you have a greatly blessed Christmas too.

The reason why you have nothing is because you failed to ask.

Just this morning I had a conversation with an older friend that is a resident physician of SSS (Social Security System). She told me that at a send-off party of one of her colleagues who had just retired, she heard one of the most entrancing farewell speeches she had ever heard.

This colleague of hers, who retired at 55 years old, said, “God has blessed me with so many things. As you can see, I lived a very good career and a happily harmonious family with my siblings and parents. But there is only one thing I didn’t have; I did not have a husband and so I never became a mother, never became a wife, never had kids. Just recently, I realized that the reason why God didn’t give it to me is because while being busy with my career, I forgot to ask God to give me a partner.

That became the center of our conversation all throughout and the need to ask something.

Before I go on, please ask yourself.

What is it that you really want? Have you dared to ask for it? Why not?

I think the reason why most people did not have much in life is because they never asked. The case can either be; a.) They don’t think they deserve to ask something or b.) They have no inkling what to ask because they don’t know what they want. Not knowing what you want is one of the saddest things in life, because it means you have no idea what you want to achieve.

Jesus even said, 9 “So I say to you: Ask and it will be given to you; seek and you will find; knock and the door will be opened to you. 10 For everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened.” (Luke 11:9-10)

This to me is indeed an assurance that if we only learn to ask, God can fill us with the many facets of His infinite blessings.

When we do not know what to ask, we only accept what comes along.

Nobody wants to live a mediocre life. And I don’t think God, being a loving Father would want us to have a life that is less than what He plans for us to have – to live a joyful life.

My challenge is this, if you feel like nothing exceptional is happening in your life right now – gather your most authentic faith and begin to ask. Who knows after asking, God will lead you to an adventure of a lifetime where He can open His floodgates of blessing from heaven down to your coffers.

Ask and you shall receive. 

“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? You are a child of God. Your playing small does not serve the world. There is nothing enlightened about shrinking so that other people won’t feel insecure around you. We are all meant to shine, as children do. And as we let our own light shine, we unconsciously give other people permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.”