THE BASICS OF CASH FLOW

There are those who e-mailed 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 a P100.00 bill 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 ok 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 cycle 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… basics lang).

So you can’t leave the job that you have because a week without work would affect the cash flow 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 your 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 15 th 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 eh…)
Sa madaling salita… kapag asset, maibabalik ang pera , pag liability, goodbye sa pera…

Ang problema kay JUAN DE LA 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 ang isuot ng sabay-sabay gagawin nya eh… dvd, component, jackets, clothes, inuman, pulutan, party, pabango… hindi na makalakad sa dami ng bitbit…

At s’yempre mga empleyado natin dito sa bansa na lingo-lingo bago cell phone at mags ng kotse.. hindi na nga magkasya ang damit sa aparador, 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 in… 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 and sold it for 8,000 to me. Hindi po asset ang alahas! Bakit? Totoo na tumataas ang value n’ya pero kapag gutom ka na, kahit palugi ibebenta mo! (wala bang aaray?) Cell phones… 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 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 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 na magbanggit.. .. ‘yung mga nagbayad at hindi nakapag-claim. .. sila pa ang dinimanda 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,,, baka yung iba sa inyo about that age… tabi tabi po…Ako po sa mga nagtatanong. .. I’m 37 years old. Naabutan ko pa si Michael Jackson at hinele po 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 your old… eh kung hindi umabot? Masamang damo ka pala… at hindi ka kaagad kinuha 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 kapitbahay mo instead na mag-franchise sa ‘yo… think! At age 50, you are struggling trying to make a 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 is 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 yrs 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’m telling you to start a business while you’re 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 gamit? 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, nagdyi-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 work and doable! I am still looking for partners for my HOME MASSAGE SERVICE! SPA MAGIC! And my business CAR MAGIC is still franchising. .. (joke lang … baka sabihin nyo nag pro-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 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!



FROM AN UNKNOWN AUTHOR

Galing nito may matutunan kayo..hhihihi

hi everyone…hows life doin? been busy for a quite few months for designing T Shirt gladly i finish it up with a very positive feedback!

heres my design..

I want to hear anything from you guyz! Thanks Peace

I created sample wedding intro or end credit..

Hope you like it! Thanks
heres the still image

HD link from vimeo

click here

hi to all

I tried to upload it to vimeo for better quality but sadly to say WordPress doesn’t support Vimeo video

anyways here the link to vimeo

7 Creative Junkies – All Star Cast from gerald bassig on Vimeo

the video is low quality

I tried to upload the high quality in VIMEO but it take 4 hrs to convert..ill post it later after it finish

hello everyone!

been busy for quite sometimes thats why it take me some weeks to finish this project

anyways it was all done using aftereffects..Hope you like it..

By chatensekz at 2008-03-23

this image was focus on DOF…

By chatensekz at 2008-03-23
I wiggle the object…

By chatensekz at 2008-03-23

I focus in the 3d of the object

By chatensekz at 2008-03-23

finally I finish the logo

By chatensekz at 2008-03-23

I just found it in the net..

To my married and unmarried friends:

This is a very touching story, please read it slowly.

I’ve read it more than twice with mellow background music….

When You Divorce Me, Carry Me Out in Your Arms

On my wedding day, I carried my wife in my arms. The bridal car stopped
in
front of our one-room flat. My buddies insisted that I carry her out of
the
car in my arms. So I carried her into our home. She was then plump and
shy.
I was a strong and happy bridegroom.

This was the scene ten years ago.

The following days were as simple as a cup of pure water: we had a kid;
I
went into business and tried to make more money. When the assets were
steadily increasing, the affection between us seemed to ebb. She was a
civil servant. Every morning we left home together and got home almost
at
the same time. Our kid was studying in a boarding school.

Our marriage life seemed to be enviably happy. But the calm life was
more
likely to be affected by unpredictable changes.

Dew came into my life.

It was a sunny day. I stood on a spacious balcony. Dew hugged me from
behind. My heart once again was immersed in her stream of love. This was
the apartment I bought for her.

Dew said, you are the kind of man who best draws girls’ eyeballs. Her
words
suddenly reminded me of my wife. When we were just married, my wife
said,
Men like you, once successful, will be very attractive to girls.

Thinking of this, I became somewhat hesitant. I knew I had betrayed my
wife. But I couldn’t help doing so.

I moved Dew’s hands aside and said you go to select some furniture,
O.K.?
I’ve got something to do in the company. Obviously she was unhappy,
because
I had promised to do it together with her. At the moment, the idea of
divorce became clearer in my mind although it used to be something
impossible to me.

However, I found it rather difficult to tell my wife about it. No matter
how mildly I mentioned it to her, she would be deeply hurt.

Honestly, she was a good wife. Every evening she was busy preparing
dinner.
I was sitting in front of the TV. The dinner was ready soon. Then we
watched TV together. Or, I was lounging before the computer, visualizing
Dew’s body. This was the means of my entertainment.

One day I said to her in a slightly joking way, suppose we divorce, what
will you do? She stared at me for a few seconds without a word.
Apparently
she believed that divorce was something too far away from her. I
couldn’t
imagine how she would react once she got to know I was serious.

When my wife went to my office, Dew had just stepped out. Almost all the
staff looked at my wife with a sympathetic eye and tried to hide
something
while talking to her. She seemed to have got some hint. She gently
smiled
at my subordinates. But I read some hurt in her eyes.

Once again, Dew said to me, He Ning, divorce her, O.K.? Then we live
together. I nodded. I knew I could not hesitate any more.

When my wife served the last dish, I held her hand. I’ve got something
to
tell you, I said. She sat down and ate quietly. Again I observed the
hurt
in her eyes. Suddenly I didn’t know how to open my mouth. But I had to
let
her know what I was thinking. I want a divorce. I raised the serious
topic
calmly.

She didn’t seem to be annoyed by my words, instead she asked me softly,
why? I’m serious. I avoided her question. This so-called answer made her
angry. She threw away the chopsticks and shouted at me, you are not a
man!

That night, we didn’t talk to each other. She was weeping. I knew she
wanted to find out what had happened to our marriage. But I could hardly
give her a satisfactory answer, because my heart had gone to Dew.

With a deep sense of guilt, I drafted a divorce agreement which stated
that
she could own our house, our car, and 30% stake of my company. She
glanced
at it and then tore it into pieces. I felt a pain in my heart. The woman
who had been living ten years with me would become a stranger one day.
But
I could not take back what I had said.

Finally she cried loudly in front of me, which was what I had expected
to
see. To me her cry was actually a kind of release. The idea of divorce
which had obsessed me for several weeks seemed to be firmer and clearer.

Late that night, I came back home after entertaining my clients. I saw
her
writing something at the table. I fall asleep fast. When I woke up, I
found
she was still there. I turned over and was asleep again.

She brought up her divorce conditions: she didn’t want anything from me,
but I was supposed to give her one month s time before divorce, and in
the
month’s time we must live as normal a life as possible. Her reason was
simple: our son would finish his summer vacation a month later and she
didn’t want him to see our marriage was broken.

She passed me the agreement she drafted, and then asked me, He Ning, do
you
still remember how I entered our bridal room on the wedding day? This
question suddenly brought back all those wonderful memories to me. I
nodded
and said, I remember. You carried me in your arms, she continued, so, I
have a requirement, that is, you carry me out in your arms on the day
when
we divorce. From now to the end of this month, you must carry me out
from
the bedroom to the door every morning.

I accepted with a smile. I knew she missed those sweet days and wished
to
end her marriage romantically.

I told Dew about my wife s divorce conditions. She laughed loudly and
thought it was absurd. No matter what tricks she does, she has to face
the
result of divorce, she said scornfully. Her words more or less made me
feel
uncomfortable.

My wife and I hadn’t had any body contact since my divorce intention was
explicitly expressed. We even treated each other as a stranger. So when
I
carried her out on the first day, we both appeared clumsy. Our son
clapped
behind us, daddy is holding mummy in his arms. His words brought me a
sense
of pain. From the bedroom to the sitting room, then to the door, I
walked
over ten meters with her in my arms. She closed her eyes and said
softly,
Let us start from today, don’t tell our son. I nodded, feeling somewhat
upset. I put her down outside the door. She went to wait for a bus, I
drove
to the office.

On the second day, both of us acted much more easily. She leaned on my
chest. We were so close that I could smell the fragrance of her blouse.
I
realized that I hadn’t looked at this intimate woman carefully for a
long
time. I found she was not young any more. There were some fine wrinkles
on
her face.

On the third day, she whispered to me, the outside garden is being
demolished. Be careful when you pass there.

On the fourth day, when I lifted her up, I seemed to feel that we were
still an intimate couple and I was holding my sweetheart in my arms. The
visualization of Dew became vague.

On the fifth and sixth day, she kept reminding me something, such as,
where
she put the ironed shirts, I should be careful while cooking, etc. I
nodded. The sense of intimacy was even stronger. I didn’t tell Dew about
this.

I felt it was easier to carry her. Perhaps the everyday workout made me
stronger. I said to her, It seems not difficult to carry you now. She
was
picking her dresses. I was waiting to carry her out. She tried quite a
few
but could not find a suitable one. Then she sighed, all my dresses have
grown bigger. I smiled. But I suddenly realized that it was because she
was
thinner that I could carry her more easily, not because I was stronger.
I
knew she had buried all the bitterness in her heart. Again, I felt a
sense
of pain. Subconsciously I reached out a hand to touch her head.

Our son came in at the moment. Dad, it’s time to carry mum out. He said.
To
him, seeing his father carrying his mother out had been an essential
part
of his life. She gestured our son to come closer and hugged him tightly.
I
turned my face because I was afraid I would change my mind at the last
minute. I held her in my arms, walking from the bedroom, through the
sitting room, to the hallway. Her hand surrounded my neck softly and
naturally. I held her body tightly, as if we came back to our wedding
day.
But her much lighter weight made me sad.

On the last day, when I held her in my arms I could hardly move a step.
Our
son had gone to school. She said, actually I hope you will hold me in
your
arms until we are old.

I held her tightly and said, both you and I didn’t notice that our life
lacked intimacy.

I jumped out of the car swiftly without locking the door. I was afraid
any
delay would make me change my decision. I walked upstairs. Dew opened
the
door. I said to her, Sorry, Dew, I won’t divorce. I’m serious.

She looked at me, astonished. The she touched my forehead. You got no
fever. She said. I moved her hand off my head. Sorry, Dew, I said, I can
only say sorry to you, I won’t divorce. My marriage life was boring
probably because she and I didn’t value the details of life, not because
we
didn’t love each other any more. Now I understand that since I carried
her
into the home, she gave birth to our child, I am supposed to hold her
until
I am old. So I have to say sorry to you.

Dew seemed to suddenly wake up. She gave me a loud slap and then slammed
the door and burst into tears. I walked downstairs and drove to the
office.

When I passed the floral shop on the way, I ordered a bouquet for my
wife
which was her favorite. The salesgirl asked me what to write on the
card. I
smiled and wrote, I’ll carry you out every morning until we are old.

–end–

I just try to make a sample of a grudge animation

heres the HD image

want to share from mail…enjoy reading.

This is one of the best explanations of why God allows pain and suffering that I have seen…

A man went to a barbershop to have his hair cut and his beard trimmed.

As the barber began to work, they began to have a good conversation.

They talked about so many things and various subjects.

When they eventually touched on the subject of God, the barber said:

“I don’t believe that God exists.”

“Why do you say that?” asked the customer.

“Well, you just have to go out in the street to realize that God doesn’t exist.

Tell me, if God exists, would there be so many sick people?

Would there be abandoned children?

If God existed, there would be neither suffering nor pain.

I can’t imagine a loving God who would allow all of these things.”

The customer thought for a moment, but didn’t respond because he didn’t want to start an argument.

The barber finished his job and the customer left the shop.

Just after he left the barbershop,

he saw a man in the street with long, stringy, dirty hair and an untrimmed beard.

He looked dirty and unkempt. The customer turned back and entered the barber shop again and he said to the barber:

“You know what? Barbers do not exist.”

“How can you say that?” asked the surprised barber.

“I am here, and I am a barber. And I just worked on you!”

“No!” the customer exclaimed. “Barbers don’t exist because

if they did, there would be no people with dirty long hair and untrimmed beards, like that man outside.”

“Ah, but barbers DO exist! That’s what happens when people do not come to me.”

“Exactly!” affirmed the customer. “That’s the point! God, too, DOES exist!

That’s what happens when
people do not go to Him and don’t look to Him for help.

That’s why there’s so much pain and suffering in the world.”

BE BLESSED & BE A BLESSING TO OTHERS!!!!!!!

having busy doing some project i forgot to uplaod it here

please rate it and add a comment

thanks Guys  Mabuhay po kayo