"heartbreaker no more." -- indian dimple

me and my siblings used to be an avid listener of magic 89.9 DWTM, computer was present then but minus the internet.  i still remember calling at the station and requesting our favorite songs and greeting ourselves over the radio (hahahaha).

we tune-in from time to time in the radio (that is when our CDs are no longer working in our car -- oh, crap!) and Magic is still one of my fav station.  just recently, we got hooked on TM on my way to the office...new DJs are there now, but the phone number mentioned by the host is still fresh in my mind.  yay! it is still the same number that we dial 11-years ago.  

and today, someone from my FB contacts posted an old "dear joe" segment.  hearing joe 'd mango's voice again, made me go back to those days where we will just sit down in front of the radio put the volume in it's mid-max, and listen.  i always thought that joe knows a lot about love and relationships...his sweet and soft voice often carries me to agreeing on what he says.  i never thought that he is good looking cause i've seen him too many times already.  but his voice and the manner he talks are just too hypnotizing.

anyway, that is not the reason why i am writing this blog (well, partly yes), but hearing him again made me go back to my teenage life, and loving the song of brian mcknight, again. 



"Could"[Verse 1]
Lying alone in my room 
Don't know what I'm gonna do 
Trying to figure out 
If this is it, this time 
Just can't stop thinking 
About the way you make me feel inside 
I just can't get you off my mind 
No matter how hard I try 
[Chorus:]
Could you be the one for me 
Could we dance the night away 
I wanna give you everything 
Though I don't have much 
Could you fall in love with me 
Could you love me the rest of my life 
Could you forever be 
The one for me, this time 
[Verse 2]
I walk around in a daze 
The ice is melting from my heart 
Can I ever know if you feel the same 
Are you the sunshine that's begging me 
Come in from the rain 
Or have you come into my life 
To turn around and take your love away 
[Chorus][Bridge:]
When I look into your eyes 
(Oh,Oh,Oh,Oh) 
They tell me that you're mine 
but I keep asking myself 
[Chorus]
Could you forever be 
The one for me 
This time 

yesterday's message from church was really good, and it was a confirmation to me on some of my questions -- that led me to big decision making today.

this morning, as i was checking my email i received a forwarded email from an old friend and it was perfectly sent to me in time.  paying it forward as well, i am sharing it here in my blog for you guys. (warning: this is quite long, but all worth reading.)

THE BASICS CASH FLOW


there are those who emailed me asking about the basics of cash flow.  i'm really sorry that i assumed everybody already understands it.  Anyway, by demand...here it goes.

may isang bata...joke lang.

the basic is...what pattern do you see if you will get P100.00 and monitor where and how it is transferred from 1 possessor to the other?  how does it flow?  

the pattern for a typical pinoy is:
you earn from your work, you spend it on food, gadgets, clothing and other basic needs.  before you reach the next payday, paubos na yung pera mo.  but that's okay, payday is just a few days ahead and it doesn't matter if i run out of money, i am expecting money again any time soon.  

this cycles goes on and on and you make some sidelines or create other ways to earn but it seems that money was never enough.  (i am tempted to explain further pero usapan...basic lang :-D)

so you can't leave the job that you have because a week without work would affect the cash flow that you have to support your family and needs.  as much as you wanted to accept another job, the gap would make you pay less for a couple of days, which makes you a slave to your boss.  

at least, you have a job to support your needs. 

so to illustrate...cash is flowing inside your pocket.

years have gone by doing monotonous routine.

question: what if you get fired?  or you were forced to retire because there are new and younger people ready to take your place...what would you do?

as an OFW, makati executive, top salesman, engineer, attorney, teacher, etc...what if it all ends?  the sweet cash that enters your pocket every 15th and 30th suddenly comes to a halt?

there are two things you can buy with your money...an asset and a liability.  to describe each, an asset brings money inside your pocket; a liability takes money out of your pocket.  another way to see it is that an asset if you buy one, will bring the money you spent for it back to you 2 or 3 folds.  a liability, when you buy it will not give your money back at all.  

sa ilocano...idjay ti kwa, djak maawatan (joke lang po, seryoso na kayo e...hehehehe.)

sa madaling salita, kapag asset maibabalik ang pera; pag liability -- goodbye sa pera.

ang problema kay JUAN DELA CRUZ, habang may trabaho ipon ng ipon at bili ng bili ng liability!

i have seen OFWs get back to the country with gold chains at kung pwede lang limang shades and isuot ng sabay-sabay gagawin nya e...dvd, component, jackets, clothes, inuman, pulutan, party, pabango...di na makalakad sa dami ng bitbit.

at s'yempre mga empleyado natin dito sa bansa na linggo-linggo bago cellphone at mags ng kotse...hindi na nga magkasya damit sa aparador, pag tapos pag umaga sasabihin..."wala na akong maisuot!"

guys, esep-esep.  what you bought, will it bring money back to you?  i know what you have in mind...you have to enjoy what you worked hard for.  that's right, but think of something that will last, think of your future.

i have seen the worst of people who were abogado de kampanilya, executive secretaries of top rank business men, people who worked for big companies, earned a fortune and got a big retirement pay by the millions...now, wala na!

why?  because of their cash flow....went it, went out.

i need not to mention basketball players, actors, singers, etc...check what is their career path...next after acting, singing and playing...POLITICS.  kasi, yung million na kinita nila, puro liability ang binili.

going back, all the liability they bought, ibinenta ng mura!   i'm wearing a gold chain now, which i got from a seaman.  he bought it for P35,000.00 and sold it for P8,000.00 to me.  hindi po asset ang alahas! bakit? totoo na tumataas ang value n'ya pero pero pag gutom ka na, kahit palugi ibebenta mo! (wala bang a-aray?!)  cellphones, dvd players, etc. pati bahay at kotse...that's the cash flow of most OFWs.  

the question is..."WHAT IF THE INCOME STOPS?"

sa pinoy ganito: "anak, mag aral kang maigi, at pag tanda namin...ikaw na bahala sa amin ha?" hindi po ba maling-mali?

you have to establish something today that will take care of your future.

teka, teka...eh, ano ang dapat gawin para hindi mangyari yan?

you must (andie: i gave emphasis to this) create a source of income that will continually make money flow inside your pocket.  start a business!!! while you are working as an executive or an OFW, or a professional...START A BUSINESS and MASTER that business till you get out of that company.  para kapag tumigil ang income mo sa kanila, may susuporta pa din sa iyo hanggang sa pag tanda mo.

now, don't tell me to invest my money on pensions and plans...NO WAY!!! narinig n'yo na siguro yung...naku, ayaw ko mag banggit!...'yung mga nagbayad at hindi nakapag-claim, sila pa ang dinimenda at nag-piyansa!   HUWAG MO I-ASA ANG PAGTANDA MO SA IBA!   GUMAWA KA NG SARILI MONG BALON NG PERA! KAHIT MALIIT PA 'YAN, SARILI MO AT HINDI KA AASA SA IBANG TAO!

imagine yourself when you reach an older age, (aruy ko!  bak yung iba sa inyo about that age...tabi-tabi po! ako po sa mga nagtatanong, 37-years old, naabutan ko pa si michael jackson at hinehele pa ako ng nanay ko sa mga kanta ng hagibis...)  you have money that the company gave you as your retirement pay, what will you do?

you can consume the money till you're old..eh, kung hindi umabot?  masamang damo ka pala...at hindi ka kinuha agad ni Lord.  eh, pang age 65 lang yung naipon mo na budget?

or maybe, you can start a business and use the money for capital.  kapatid, 9 out of 10 businesses...FAILED!  yung isang magsa-succeed, gagayahin pa ng kapit-bahay mo instead na mag franchise sa'yo...think!  at age 50, you are struggling trying to make business work!  what if it fails? 

eh, ano nga ba ang sagot?

the answer is, stop buying liabilities and instead buy assets now.  i don't care if it's a banana-Q store, balot, ice candy or a sari-sari store, etc...start now!  because your experience here will teach you what to do in the future.  it's so hard to struggle in business when you are 60-years old.

you have to create a source of income separated from the source of income from your work.  that when the time comes that you have to stop working, you will have your own source of money.  create assets, start a business that will be there to support you and your family.  I AM NOT TELLING YOU TO QUIT YOUR JOB! i am telling you to start a business while you are working and stop spending your money on liabilities  and start putting them on assets!

ang pera kapag pinambili mo ng LIABILITY, hindi na babalik.  ang ASSET, babalik.

teka, masama ba bumili ng mga magagandang damit? HINDI! siguraduhin mo lang na ang pambili mo nun ay galing sa asset mo.  The business has to be prioritized! mawalan ka man ng trabaho, may negosyo kang palalaguin.

if before, nabubuhay ka naman ng iisa sapatos mo, huwag mo baguhin 'yun.  dati nagdi-jeep ka lang...'wag ka na munang mag FX.  

create assets and lessen liabilities.  invest and learn now...mag negosyo!

eh, anong negosyo?  any, as long as you think it is workable and doable.  i am still looking for partners for my boneless bangus, glutathione soap, eloading, and my business quatum products is still franchising...(joke lang, baka sabihin nyo nagpro-promote lang ako eh.) but i am proud to say that all my businesses are original and all are grand assets.

i started all my businesses with a very small capital.  if i used that money to buy a gadget, new shoes or any liability,baka wala na lahat ng negosyo ko at wala na akong makain ngayon.

again, i hope that this BASIC CASH FLOW article helps, I WISH ALL OF US BECOME FINANCIALLY FREE!

it's been a while since i last blogged...and this routine has been my cycle.  

so many times i will login my blog account, but i ended up closing it and not writing at all.  everything is in my mind, and words are screaming from my heart...but i end up with an empty work space or everything is dropped to draft file.

anyhow, i hope to update this blog as much as i can and also the photos i took for the past few months.

i've been involved with too much activities, both personal and work and there are things i want to share.  i hope to lessen my FB addiction and have more time on my weebly.

so i'll see you around, and i'm back to J. (hopefully i can modify this account ASAP!)

thanks.