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Daddy's Advice

My advice to my 9 year old daughter Eliezha Nicole:

1. Always talk with God, have Him in your heart, and realize that He is the source of your love, hope, strength, peace, and joy.
2. Love God. Have faith in Him. Keep loving and praying for others.
3. Love yourself, take good care of yourself, and stay healthy.
4. Think, say, and do good to others.
5. Have time to play. Keep smiling. Be happy.
6. Keep learning. Continue to grow. Help others grow and inspire them.
7. Always be thankful for what you have.
8. Be wealthy and financially independent. Always feel abundant.
9. Share your blessings and talents.
10. Believe in your infinite potential.
11. Act on the good things that you learn.
12. Follow your parents' advice.

E + R = O

Our - OUTCOME - is determined by what happens around us - EVENTS - which we have no total control of, plus our - RESPONSES - which we can control, to these events.

RESPONSES are made up of our Behaviors - the way we act or do; our Thoughts - what we think about what happened and; the Images that we hold in our minds in response to a particular event.

So as Jack Canfield reminds us in his teachings especially in his book

we arrive at this certain formula:

E + R = O

Event + Response = Outcome

Take control of what we can, which is our RESPONSE to a particular event, and we will certainly affect the way we wanted our Outcome to be.

Kaya natin piliin kung paano at ano ang ating mga iisipin, sasabihin, at gagawin sa bawat pangyayari sa ating buhay. Sa ganitong paraan natin maari nating maisang-ayon ang mga magiging resulta ayon sa ating kagustuhan.

You and I have the power to choose the way we respond in life. 

Now live a successful life. 

    Do you have what it takes to be a MILLIONAIRE?

    I'm posting below Adam Khoo's article entitled Do You Have What It Takes To Be A Millionaire? dated  January 15, 2010... with my comments as well. There's a very short activity at the end which anybody can take and finish it. A link back to Adam Khoo's article is provided to know the explanation of your answers.

    Have your pen and paper ready for the activity. Good luck and enjoy.


    ” Do I have what it takes to be a millionaire?” This is one of the most common questions I am asked by participants attending the Wealth Academy Programmes. The truth is that everyone has the capability of becoming a self-made millionaire. You do not have to be a particular age, race, educational background or even have to be from a certain family background to qualify.

    Isipin natin si Emmanuel 'Manny' Pacquiao... Congrats katukayo! Kaliwete nga rin ba ako? Hehehe.

    The reality however is that very few people ever become financially successful. The reason is because many people have been programmed by their parents, friends, school etc… to have financially sabotaging mindsets and habits. Many people also lack the necessary skill-sets and strategies to become rich.

    Ang sikreto ng pagyaman ay nakasalalay sa kung paano tayo mag-isip araw-araw. Mauna muna dapat ang tamang pag-iisip bago magkaroon ng kinakailangan kakayahan sa pagyaman. Mag-attend ng mga seminars ni Sir John Calub tulad ng How to Become a Money Magnet. Ang susunod na seminar ni Sir John ay sa November 27, 2010 sa SMX Convention, Mall of Asia. Magbasa ng mga libro tulad ng kina T. Harv Eker- Secrets of the Millionaire Mind, Napoleon Hill- Think and Grow Rich, Robert Kiyosaki- Rich Dad Poor Dad/ Cashflow Quadrant, Bo Sanchez- 8 Secrets of the Truly Rich, Adam Khoo- Secrets of Self-Made Millionaires, Wallace D Wattles- The Science of Getting Rich, Rhonda Byrne- The Secret, etc.

    Many people ask me this question. “Adam, I got top grades in school. I have got a Masters Degree. I am really hardworking. I got a job in prestigious company. So, how come I am not as rich as you?’ Well, although educational qualifications and hard work is really important, it has little to do with being able to generate sustainable wealth.

    "Ang pera, pinaghihirapan." - Limiting Belief
    "Madali lang dumarating ang pera sa aking buhay." - Empowering Belief

    Just because you have the skill to get good grades and to do your job really well, it does not mean that you have the skills to make money. You see, the ability to make money is also a skill. Just like cooking and driving a Formula 1 race car is a skill. The trouble is that schools don’t teach us the skills to become wealthy. The educational system teaches us how to be good employees in order to make our company’s bosses rich.

    So, do you have the mindset, habits and skills to become a self-made millionaire? I have designed a MILLIONAIRE POTENTIAL ASSESSMENT that consists of 15 questions to help you find out. I have asked these 15 questions to over 500+ people in 7 countries. I have found that when participants answer the questions HONESTLY, I am able to predict with over 80% accuracy, their level of financial success (measured by their net worth).

    How come? This is because your thoughts, decisions and actions create your financial results. If you have very little money today, it is because of the poor thoughts and actions you have had in the past. People who make millions have different patterns of thinking and behaviours. If you keep thinking and doing things the same way, your financial situation will stay the same. To truly change your financial situation, you have to change your thoughts and develop new millionaire skills.

    "Thoughts -> Feelings -> Actions -> Results" - sunod-sunod dapat ito. Kaya kung may gusto kang baguhin na resulta, simulan muna sa pagbago ng kung paano mag-isip.

    So, go ahead and answer these 15 questions:

    Millionaire Potential Assessment

    This assessment is designed to help you discover if you currently possess the attitude and aptitude to be financially successful. There are no right or wrong answers. Please circle the answer that describes you the most.

    Isulat sa papel mo ang letra ng iyong sagot sa bawat bilang.

    1) How Do You Honestly Feel About Rich People?
    a) I don’t like rich people.
    b) They intimidate me. I feel inferior to them
    c) I respect them but feel that they are very different from me
    d) I respect them a lot and know that I deserve to be like them

    2) When People Reject You And Tell You That You Cannot Do Something, How Do You React?
    a) I accept it and feel bad
    b) I get angry and throw a tantrum
    c) I will give it another try with more doubt
    d) I get even more excited to prove them wrong. I never take ‘no’ for an answer.

    3) How Do You Feel About Borrowing $500,000 to Invest in a Money Making/ Business Opportunity?
    a) I will never borrow to invest. It’s too risky.
    b) I will borrow $10,000-$20,000 at the most. Anything more and I will not be able to sleep at night.
    c) Even if it is a credible and worthwhile investment, having a $500,000 liability will give me a lot of stress
    d) With enough planning and risk management, I will have the confidence to do it.

    4) How Much Do You Want To Increase Your Income By In The Next 12 Months?
    a) Ten percent increase
    b) Fifty percent increase
    c) Double by income
    d) Five to ten times increase

    5) What is Your Attitude Towards Money?
    a) I am afraid having too much money might change me
    b) It’s nice to have more money but I am happy where I am
    c) I wish I had more money but I am afraid of all he sacrifices I must make to get it
    d) I get excited about how having lots of money can make life better for me and the people around me

    6) How Do You Feel About Working?
    a) I hate working.
    b) I do not mind working, but I rather relax
    c) Work is okay. I don’t mind working hard to make money.
    d) I love working. Work is like play to me.

    7) How Do You Usually React When You Go Through a Huge Defeat or Failure?
    a) I feel so demoralized that I wouldn’t dare another attempt
    b) I will take some time to get over it. I may try again later.
    c) I will give it another try, but with much less confidence
    d) I quickly learn from my mistakes and bounce back with as much enthusiasm and confidence.

    8) When You Face Big Problems In Life or Work, Do You:
    a) Ignore it and hope it will go away?
    b) Complain why things are so difficult
    c) Get someone else to deal with it
    d) Get excited about solving it

    9) How much time do you spend each day reading and analyzing financial news and managing your finances/investments?
    a) None at all
    b) Less than half an hour
    c) Half and hour to two hours
    d) Two hours or more

    10) How much money do you invest on business & financial books, seminars and consultancy annually?
    a) None at all
    b) Less than $500 a year
    c) $500-$2,500
    d) More than $2,500

    11) What Are Your Money Habits?

    a) I tend to spend more than what I earn, using credit to finance my expenditures
    b) I spend whatever I earn. I live from paycheck to paycheck
    c) I try to save whatever I am left with each month
    d) I plan exactly how much to save and invest each month and stick to my plan

    12) How Do You Usually Make Investment Decisions?
    a) I don’t invest at all
    b) I listen to advice from friends
    c) I leave my investment decisions to stockbrokers and financial consultants
    d) I get input from professionals but will only invest after doing my own thorough research. I only invest in something I fully understand,

    13) What is Your General Attitude Towards People and Work?
    a) I don’t like to work with people that much. I can only trust myself to do a good job
    b) I trust people very easily. I believe they will never cheat or harm me.
    c) I tend to feel comfortable working and being around people who are less capable than me
    d) I enroll the help of highly talented people to give me input but I always make the final decision

    14) What Kind of Friends Do You Spend Most of Your Time With?
    a) Losers with no ambitions
    b) Dreamers who lack the drive
    c) Ambitious and hardworking individuals
    d) Millionaires and business leaders

    15) Which Statement Best Describes Your Personal Motivation?
    a) I lack motivation to get started on any goals I set
    b) I tend to keep procrastinating until the very last minute
    c) I get motivated at first but lose my focus and drive after a while
    d) When I plan to do something, I get highly motivated and never stop until it is finished

    Now, calculate your score. Count the number of a’s, b’s, c’s and d’s you have chosen. Give yourself 1 point for every ‘a’, 2 points for every ‘b’, 3 points for every ‘c’ and 4 points for every ‘d’.

    My Score is: 

    To interpret your score, click HERE.

    Adam Khoo -

    Adam Khoo's website - 

    John Calub's How to Become a Money Magnet Seminar

    Every time you wake up and before you sleep, declare to Yourself: "I AM A MONEY MAGNET!"

    Araw-araw, sabihin mo lagi pagkagising mo at bago matulog: "I am a Money Magnet!"

    How to Become a Money Magnet Seminar at Crossroads 77, November 13, 2010.

    John Calub's next How to Become a Money Magnet Seminar will be on November 27, 2010 at the SMX Convention Center, Mall of Asia, 9am-6pm. See you there!

    Visit  John Calub's How to Become a Money Magnet Seminar at


    Jewish fathers repeatedly say, “Bless you, my son.  I love you, Son,” and then the father gives the boy a big, warm hug. - Zig Ziglar

    Para sa mga tatay at nanay, maganda kung laging nayayakap ang mga anak habang binibigkas ang mga salitang: "Pagpalain ka anak. Mahal na mahal kita." Maari itong gawin kahit sanggol pa lang ang mga anak o kahit matanda na sila. 

    Ganito rin ang mensahe para sa mga anak. Sabihan rin ang mga magulang: "Pagpalain po kayo. Mahal na mahal ko po kayo."
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