How do you remove a nut without a wrench; or lift a car without a jack; or run multiple branches of a business without a team; or market your business around the globe without the internet; or how do you triple your income with the same number of working hours you have? Answer; hard to impossible.

Without leverage, life becomes hard and painful because even simple task becomes difficult or  even impossible to achieve.

One thing in common with highly successful people is their mastery of the art and science of leverage, yet most of us live our lives without taking utilizing its awesome power.

Below are examples where we can use it to solve the most common excuse that people use when we talk of starting a business.

Question: How can i start a business when?

- I do not have money for capital

- I do not have any experience

- I do not know what products to sell

- I do not know what services to offer

- I do not have strong and quality network

- I have no time

- I do not know about business system

- I do not have any business skills

- I am shy and have low self esteem

ANSWERS:

- I do not have money for capital – Then use other peoples money.

- I do not have any experience – Then learn from other peoples experience.

- I do not know what products to sell – Then sell other peoples product.

- I do not know what services to offer – Then sell other peoples services.

- I do not have a network – Then join networks. 

-I do not know about business system – Then use other peoples proven business systems.

-I do not have any business skills – Then allow yourself to practice various business skills by doing the actual thing.

- I am shy and have low self esteem – Then invest time for your personal growth.

The Malasakit Center is a One-Stop Shop where indigent patients can efficiently access financial medical assistance from agencies such as PhilHealth, Philippine Charity Sweepstakes Office, and the Department of Social Welfare and Development.

Prior to the establishment of Malasakit Centers, indigents had to fill up multiple documents and go to separate government offices to lessen their medical expenses which is a tedious process.
The Malasakit Center simplifies the process of availing all subsidies from the following government agencies.

• Department of Health
• Department of Social Welfare and Development
  
• PhilHealth
• Philippine Charity Sweepstakes Office
• Philippine Amusement and Gaming Corporation
  

There is a total of 129 Malasakit Centers that were established as of July 2021. More centers will be opened in the country soon.

 
Malasakit Center Process
For in-patients, go to the Billing Section of the hospital and ask for an assessment of your billing and for a medical abstract. Bring this to the Malasakit Center.
In the center, you will be asked to fill up the Malasakit Unified Form to request medical assistance. The social worker in the center will assist and direct you to the Philhealth desk for coverage. If you are not a Philhealth member, you will be automatically given membership.
If the amount covered by Philhealth is insufficient, you will then be directed to PCSO and DOH within the Malasakit center who will get the additional fund from the Presidential Social Fund (PSF).

The assistance will not be in cash but in a form of a document that gives you the funding for your hospital bills. Just present it to the hospital billing section and it will be deducted from your bill.
A patient may avail of up to P50,000 from the Presidential Social Fund or PSF depending on the assessment coming from the different government agencies.

Malasakit Center also maintains a database system for efficient gathering and retrieval of patient’s information. An express lane for persons with disabilities (PWD) and senior citizens is also available at the facility. Outpatients may also avail of assistance for their medical checkups and medicines.

Steps on how to avail:
 (Photos taken from Malasakit Center Philippines Fb page)
@malasakitcenterp)
 

Question:  Is it true that you will save on your electricity bill if you buy and use the so called "Energy Saving Device" sold in most popular malls today?

Answer: No

Question: But how come that in their demonstration, the current decreases when the Energy Saving device is plugged-in? I've seen it with my own eyes.

Answer: Note that it was only the current that was shown in their demo and not the KILOWATT-HOUR reading. Electric bills are computed based in KILOWATT-HOUR and not on current reading alone.

QUESTION : But doesn't it follow that when the CURRENT goes down, the KILOWATT-HOUR reading also goes down?


Answer : Not in this case. There are two different types of current in the setup they use; The RESISTIVE (In phase) current, and the REACTIVE (Out of phase) current.

A flourescent lamp with a ballast and any appliance with a motor produce both RESISTIVE and REACTIVE currents which are both displayed in the current meter. But among this currents, only the RESISTIVE current can be sensed by the KILOWATT-HOUR meter and contributes to its actual reading as reflected in our electricity bill.

This is the reason why they only use flourescent lamp with a ballast, or a washing machine motor in their demo. Using other appliances like an incandescent lamp, TV, or Computer will not yield the same result.

QUESTION : I still don't get it. Can you use an example?

ANSWER:  Imagine a glass of newly poured beer almost filled to the brim. The beer occupies 2/3 of the glass, while the remaining 1/3 are just bubbles.
REAL power is represented by the BEER, while APPARENT power is represented by the BUBBLES.

This is what happens when you use a flourescent lamp with a ballast, or any appliance with a motor and you plug-in the energy saver device.

In the analogy, the flourescent lamp or motor produces both the BEER and BUBBLES, while the so-called power saver remove those bubbles but still has no effect on the actual amount of beer which represents the KILOWATT-HOUR readings.

QUESTION: Then what is the device good for?

ANSWER : It's just a power factor correction device (capacitor). In doesn't affect KILOWATT-HOUR readings in anyway. You will still pay the same amount of energy you use even with such device. In fact, it can even add a small amount to your bill due to the additonal components like LED lamps that goes with it. However, large commercial and industrial consumers may have different considerations.

May mga walang katahimikan dahil sa pag-aalala sa maraming mga bagay. Karaniwan, ito'y pagsasayang lang ng oras dahil kung titingnan ay marami tayong ikinabahala dati na di naman nangyari at di rin naman pala mangyayari pa.

Similarly, most things that bother us today won't really matter a few years from now.
So how should we behave in the face of crisis? Answer: Just deal with them moment by moment.
In reality, we can always handle the present. It is only the thought of the future that frightens us . .and the problem is that our minds tendency is to drag us into the future.

So when scared of what may go wrong someday, just say to yourself: "This too shall pass".

Is it hard to criticize? Definitely not. All you need to do is to look at the bad side of people and things.
Criticizing actually requires very little mental effort and it rarely makes us look smart.
Here's why:
-When you look for bad things.., lets say the government, your neighbor, your husband, your wife, your boss or your employees, you will surely find one.
- But when you look for good things in them, you will also find one.
It's very easy to find fault and say bad things about others; the only question is why should we?

Usapang business:
Gaano kasaklap sa isang negosyo yung nagsisisi ang customer dahil ikaw pa ang napiling pagkatiwalaan? Maaring walang epekto ngayon, but sooner or later it will.
Notice that today's innovative business systems are winning over their traditional counterpart because of one major reason: Their being more "CUSTOMER ORIENTED".
Some examples are GRAB and Angkas. These new business concept by itself did not kill the taxi business but rather the often rude and dishonest taxi drivers with their untidy vehicles and bad driving habits that did.
In the retail business, Lazada, Shopee, Amazon, Alibaba and similar systematized online stores did not kill other retailers but oftentimes the overpricing or confusing pricing scheme, hidden charges, not giving customers enough options, poor customer service or inconvenient payment and delivery methods that did.
These happens as well in other businesses such as money transfer, Internet, telecoms, and others where competition is based on overall customer convenience and satisfaction.
So if you plan to be in business, take note that it’s not really technology that kills businesses, it's in not being CUSTOMER-ORIENTED that will".

According to Robert Kiyosaki, to succeed in life, we must first accept the fact that problems will NEVER go away.

Once we have solved a problem, another problem or maybe a bigger one will arrive. That will happen as long as we're breathing. There will always be situations that will challenge us to grow, or drag us to the bottom and stay stuck in life.


The key is to realize that the "PROCESS" of solving those problems make people successful.



Successful people can handle bigger problems while others tend to avoid it. We should remember that by the time we were able to solve not only our personal problems, but other peoples problem as well, that's also the time we will become successful.
 
As author T. Eker stated: "The bigger problems you can handle; the bigger business you can handle, the bigger responsibilities you can handle, the more customers you can handle and the more money and wealth you can handle". Nothing can be closer to reality than that statement.

A reality we see is that many Filipinos choose to seek their fortune somewhere else because what we mostly see are problems and hardly no opportunity in our country. On the contrary, the Chinese and other nationalities choose to stay here because they have found this same country as a haven of opportunity.

Who is saying the truth? The answer is BOTH. It depends on whether you want to look at the problem or look at the opportunity, which are both present at the same time.

While there are people who feel unfortunate being born and raised in the Philippines because of the many problems we encounter everyday, it is inspiring to know that some of Forbes top 40 successful people became billionaires doing their thing in the Philippines...while we Filipinos search our fortune somewhere else!

This is a proof that "hidden behind every problem is an opportunity".

And because the Philippines has so many problems..that means the Philippines has so many opportunities.

We often hear people say; “I love my family so much that I'm willing to make sacrifices for their sake.”. This includes people who are good to them.

Though most find it a virtue, yet God sees nothing special in loving only those who love us. That's because even pagans and sinners do that. In fact, it is naturally seen in animals, when it takes care of its offspring.

Being a TRUE Christian is more than saying we love God. Here is a test that NOT everyone can pass: In Matthews 5:43-48, it is written:

"You have heard that it was said, ‘Love your neighbor and hate your enemy.’ But I tell you, love your enemies and pray for those who persecute you, that you may be children of your Father in heaven. He causes his sun to rise on the evil and the good, and sends rain on the righteous and the unrighteous. If you love those who love you, what reward will you get? Are not even the tax collectors doing that? And if you greet only your own people, what are you doing more than others? Do not even pagans do that? Be perfect, therefore, as your heavenly Father is perfect".

Many people are living an unhappy life simply because they don't live at the present. They are those who would rather cling on to the failures and heartaches of the past, or gets frightened by the uncertainty of the future.

Let us all remember that life is available only at the PRESENT moment. It's what all of us got. Learn to enjoy it now.

I use to think money solves money problems. Then i wonder why ther wer people who wer given a fortune, lost it all..then goes back to the same, or even BIGGER money problem.
The reason; Not having money is "NOT" the problem..... Instead, it's a "SYMPTOM" caused by something internal.
To quote:
"Money is a RESULT, wealth is a RESULT, health is a RESULT, illness is a RESULT, your weight is a RESULT. We live in a world of CAUSE & EFFECT"-T. Harv Eker

​I’m am posting an excerpt from T. Harv Eker’s book "Secrets of the Millionaire Mind" for people who want to see problems from a different perspective.


One of the biggest differences between rich people and poor people is that highly successful people are bigger than their problems while unsuccessful people are smaller than their problems.

Unsuccessful people are constantly trying to avoid problems. They back away from challenges. The irony is that in their quest to make sure they don’t have problems, they have the biggest problem of all… they’re broke or close to it. The secret to success is not to try and shrink your problems; it’s to grow yourself so you’re bigger than any problem.

Imagine a “level 2” person is looking at a “level 5” problem. Does this problem appear to be big or small? The answer is that from a “level 2” perspective, a “level 5” problem would seem BIG.
Now imagine a “level 8” person looking at this same “level 5” problem. From this person’s perspective, is this problem big or small? Magically, the identical problem is now a SMALL problem.
And for a “level 10” person, it’s NO problem at all. It’s just an everyday occurrence, like brushing your teeth.

It’s important to realize that whether you are rich or poor, playing big or playing small, problems do not go away. If you’re breathing, you will always have situations that aren’t perfect.
Therefore, the size of the problem is never the problem. It’s always the size of you!

The secret then is to grow yourself as a person, to be bigger than your problems so that they become insignificant and appear to disappear. Not because the problems are not there, but because you handle them so easily.

The bigger problems you can handle; the bigger business you can handle, the bigger responsibilities you can handle, the more customers you can handle and the more money and wealth you can handle.

Remember, your income can only grow to the extent that you do!
A universal principle states that “at all points in time you are either growing or dying”. That’s why it is essential to keep learning and continue to work on yourself.

This month commit to growing yourself.

This month, do not shrink from problems, do not avoid problems and do not complain about problems. Practice not letting problems bother you. In fact, don’t even call them problems; refer to them as “challenges” or “situations”.

This month, practice handling problems with elegance and ease. The way to do this is to let go of your attachments, as well as the emotion and drama you create when you don’t get what you want. Just stay present and handle one situation at a time with an open mind and an open heart. Trust yourself and trust the universe that everything will work out in the end.
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The bottom line is that if you become a master at handling problems, what can stop you from happiness and wealth? The answer is NOTHING!

If you have not chosen to design your future, then you will be in your “DEFAULT FUTURE”.
 
DEFAULT FUTURE is what 95% of the population gets. It happens when you are living a PASSIVE lifestyle, where you just allow things to happen instead of making things happen.
 
People with default future often ask the question WHY; They ask: why me? Why people do this to me? Why did this happen? They always feel that they are VICTIMS.
 
Some things are so predictable…and since passive lifestyle follows a linear path, it’s really not hard to have a glimpse of one’s own future.
 
So what is your “DEFAULT FUTURE”?
Do this exercise to find out
  
1. In your profession or workplace who is the oldest among your peers? Do you want his or her lifestyle?
2. In your profession or workplace, look for the oldest among your peers. Do you like his salary?
3. If you continue making your income now for the next five years, what would your life look like?
4. If you continue making your income now, when can you afford your personal dreams and your family dreams?
  
  The best way for you to predict your future is to invent it! – Frank Maguire
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Note: Both the Nikon 3200 and Iphone X have the same settings of 50mm, F1.8             

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​One of my most unforgettable moment is when I learned the distinction between linear thinking and exponential thinking.

​In school we were taught to think linear. In business I was taught to think exponential all the time.

LINEAR thinking  is using your personal abilities while EXPONENTIAL  is leveraging on the abilities of others.

An example is when you're a teacher, you can only teach a certain number of students at a given time. But if you own a school, your reach can be even more.

The same with being a nurse or a doctor, an engineer, technician or a mechanic. You can serve more people if you build clinics, hospitals, shops or construction companies. By being able to multiply yourself, the possibilities of growth becomes endless.

"I would rather earn 1% off a 100 people's efforts than 100% of my own efforts." John D. Rockefeller
 

​Despite the advancements in medical science, WESTERN MEDICINE still has “NO” direct cure for cancer, diabetes, high blood, heart, kidney and other deadly diseases.
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What they offer are mostly costly drugs that forcibly alters body chemistry to counter undesirable conditions but doesn't really cure the illness. (Example are Beta blockers to control heartbeat or Blood thinners to prevent strokes) These were made in doses that needs to be taken regularly over long periods that later leads to other problems.

Alternative Medicine on the other hand doesn't treat the sick organ, but instead rid the body of toxins that later puts the body in a balanced state were it can heal itself. This is achieved using the healing abilities of single or combined natural ingredients found in Fruits and Herbs from nature.

 The treatment thru ALTERNATIVE MEDICINE  do not 'cure' the condition but simply restores the body's self-healing ability.

If you’re not a brand, you’re a commodity- Robert Kiyosaki
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​Everyday, we are bombarded by so many business and investment opportunities. Upon closer look, we will see that most of the readily available investment offered by financial advisers will just put the would-be investor at the “bottom of the food chain”. Iyun bang mga tira tira  na lang ang mapupunta sa iyo. To make matters worse, makukuha mo lang pag matanda ka na.

Better investments are not easily seen and thus require certain skills.  So how do we know if the investment is good or not? Here’s an example:

Does your investment looks like this?

​Wonderful Products You Maybe Interested:

It’s hard to imagine a First World Philippines without entrepreneurs. The scarcity of new local business brands is one of the reasons why our country lags behind our neighbors despite having a high literacy rate and intelligent citizens. That’s because most Filipinos prefer employment rather than spend time developing skills in creating business systems and growing it.

Having more job seekers than available jobs create many problems. People either become unemployed, underpaid, work in a different field, or trade his time and skills abroad far from their families for better pay. With thousands of new graduates, how many will seek job & how many will create it?

I recall a graduating student being asked how many nursing students like him that he knows will graduate that year, his answer, about 30,000. He was again asked how many new hospitals he knows where built this year? He said he knows none.

While many people hope that the government will find a way to solve this problem, waiting for this to happen will just be a dream as the government cannot do it by itself. It needs people who are creative, brave enough to take risk, and can make things happen. We may have an abundant pool of talented people in our country today but they usually lack the interest, motivation or courage to become entrepreneurs.


For our economy to grow, we need people to create jobs. Any economy would collapse if everyone’s looking and no one’s creating it.
It can be noted that it is the young, brave, nationalistic youths of Malaysia, Thailand, and Singapore who created the dynamic businesses that have propelled their countries to the top.


But how can shifting from one’s profession to becoming an entrepreneur help? To illustrate, if you are a doctor, you can serve a number of people in a day. But if you are a doctor/entrepreneur who owns a hospital, you can serve many times more. Same with a technician/entrepreneur who owns an equipment supply company, a technical service, a consultancy, a technology or a manufacturing company.  This is the same in the case of a nurse, teacher, engineer, mechanic, or a carpenter.
 
Of course, many will choose to play it safe rather than take the risk. That’s true because entrepreneurship is not for everyone. But as one great man puts it: “There’s no passion to be found in playing small, in settling for a life that is less than the one we are capable of living”. – Nelson Mandela

​​The good thing about food business is the very attractive mark-up profit the owner can impose. This can be possible if it's the owner himself who've designed the business and his mark-up is not dictated as in the case of a franchisor-franchisee set up.

In my case, I use the minimum 100% mark-up value on every item on my menu.
Below is an example.

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           Example:
                        1. Cost of goods to produce Beef mami           -  P 16.00             Selling Price: P35.00 
                        2. Cost of goods to produce Longganiza meal -   P 25.00            Selling Price: P55.00


This means that for every P1,000 I use as capital gives me another P1,000 in return. I cannot think of a better way to double the money immediately than this way.

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