One person that inspires me a lot with the way he lives his life is Rod Velez. Rod who?... He is my brother in our community in the Philippines. You may read his thoughts about Christianity, family life, fatherhood and living a simple life. Things that will inspire you.
Breaking the Rules
http://rodvelez.blogspot.com/
Wednesday, May 09, 2007
7 Destructive Habits of Unsuccessful People by Michael Lee
7 Destructive Habits of Unsuccessful People
By Michael Lee
WARNING! If you want to have a fantastic life, never engage yourself in these 7 deadly habits that incompetent people do.
Number 1 - They Think, Say, & Do Negative Things.
Yup. They see problems in every opportunity.
They complain that the sun is too hot. They cursed the rain for ruining their plans for the day. They blame the wind for ruining their hair.
They think that everyone is against them. They see the problems but never the solutions.
Every little bit of difficulty is exaggerated to the point of tragedy.
They regard failures as catastrophes. They become discouraged easily instead of learning from their mistakes.
They never seem to move forward because they're always afraid to come out of their comfort zones.
Number 2 - They Act Before They Think.
They move based on instinct or impulse. If they see something they like, they buy at once without any second thought.
Then they see something better. They regret & curse for not able to take advantage of the bargain.
Then they spend & spend again until nothing's left. They don't think about the future. What they're after is the pleasure they will experience at present.
They don't think about the consequences. Those who engage in unsafe sex, criminality, and the like are included in this group.
Number 3 - They Talk Much More Than They Listen
They want to be the star of the show. So they always engage in talks that would make them heroes, even to the point of lying.
Oftentimes they are not aware that what they're saying is not sensible anymore.
When other people advise them, they close their ears because they’re too proud to admit their mistakes.
In their mind they're always correct. They reject suggestions because that will make them feel inferior.
Number 4 - They Give Up Easily
Successful people treat failures as stepping stones to success.
Incompetent ones call it quits upon recognizing the first signs of failure.
At first, they may be excited to start an endeavor. But then they lose interest fairly quickly, especially when they encounter errors.
Then they go & search for a new one. Same story & same results.
Incompetent people don't have the persistence to go on and fulfill their dreams.
Number 5 - They Try to Bring Others Down To Their Level
Incompetent people envy other successful individuals. Instead of working hard to be like them, these incompetent ones spread rumors and try every dirty trick to bring them down.
They could've asked these successful ones nicely. But no, they're too proud.
They don't want to ask advise. Moreover, they're too negative to accomplish anything.
Number 6 - They Waste Their Time
They don't know what to do next. They may just be contented on eating, getting drunk, watching TV, or worse, staring at the blank wall with no thoughts whatsoever to improve their lives.
It's perfectly fine to enjoy once in a while. But time should be managed efficiently in order to succeed. There should be a proper balance between work & pleasure.
Number 7 - They Take the Easy Way Out
If there are two roads to choose from, incompetent people would choose the wider road with less reward than the narrower road with much better rewards at the end.
They don't want any suffering or hardship. They want a good life.
What these people don't know is that what you reap is what you sow.
Efforts & action will not go unnoticed.
If only they would be willing to sacrifice a little, they would be much better off.
Successful people made it through trials & error. They never give up.
They are willing to do everything necessary to achieve what they aspire for in life.
----------------------------------------------------------------------------
This was shared to me by a friend & former co-worker. Thanks Jowell.
By Michael Lee
WARNING! If you want to have a fantastic life, never engage yourself in these 7 deadly habits that incompetent people do.
Number 1 - They Think, Say, & Do Negative Things.
Yup. They see problems in every opportunity.
They complain that the sun is too hot. They cursed the rain for ruining their plans for the day. They blame the wind for ruining their hair.
They think that everyone is against them. They see the problems but never the solutions.
Every little bit of difficulty is exaggerated to the point of tragedy.
They regard failures as catastrophes. They become discouraged easily instead of learning from their mistakes.
They never seem to move forward because they're always afraid to come out of their comfort zones.
Number 2 - They Act Before They Think.
They move based on instinct or impulse. If they see something they like, they buy at once without any second thought.
Then they see something better. They regret & curse for not able to take advantage of the bargain.
Then they spend & spend again until nothing's left. They don't think about the future. What they're after is the pleasure they will experience at present.
They don't think about the consequences. Those who engage in unsafe sex, criminality, and the like are included in this group.
Number 3 - They Talk Much More Than They Listen
They want to be the star of the show. So they always engage in talks that would make them heroes, even to the point of lying.
Oftentimes they are not aware that what they're saying is not sensible anymore.
When other people advise them, they close their ears because they’re too proud to admit their mistakes.
In their mind they're always correct. They reject suggestions because that will make them feel inferior.
Number 4 - They Give Up Easily
Successful people treat failures as stepping stones to success.
Incompetent ones call it quits upon recognizing the first signs of failure.
At first, they may be excited to start an endeavor. But then they lose interest fairly quickly, especially when they encounter errors.
Then they go & search for a new one. Same story & same results.
Incompetent people don't have the persistence to go on and fulfill their dreams.
Number 5 - They Try to Bring Others Down To Their Level
Incompetent people envy other successful individuals. Instead of working hard to be like them, these incompetent ones spread rumors and try every dirty trick to bring them down.
They could've asked these successful ones nicely. But no, they're too proud.
They don't want to ask advise. Moreover, they're too negative to accomplish anything.
Number 6 - They Waste Their Time
They don't know what to do next. They may just be contented on eating, getting drunk, watching TV, or worse, staring at the blank wall with no thoughts whatsoever to improve their lives.
It's perfectly fine to enjoy once in a while. But time should be managed efficiently in order to succeed. There should be a proper balance between work & pleasure.
Number 7 - They Take the Easy Way Out
If there are two roads to choose from, incompetent people would choose the wider road with less reward than the narrower road with much better rewards at the end.
They don't want any suffering or hardship. They want a good life.
What these people don't know is that what you reap is what you sow.
Efforts & action will not go unnoticed.
If only they would be willing to sacrifice a little, they would be much better off.
Successful people made it through trials & error. They never give up.
They are willing to do everything necessary to achieve what they aspire for in life.
----------------------------------------------------------------------------
This was shared to me by a friend & former co-worker. Thanks Jowell.
Thursday, March 29, 2007
Some Trivia about Elfren Cruz
Elfren Cruz is one of the well-loved Lasallian and professor in DLSU MBA Program. He is considered as one of the best professor for Strategic Management. The article below mentions some information about our professor.
------------------------------------------------------------------------------------------------------------
HIGH GROUND
A very sentimental farewell
By William Esposo
INQ7.net
Last updated 07:34am (Mla time) 12/01/2006
TODAY I bid all those who faithfully followed my column on INQ7.net a very sentimental farewell. Until two Fridays ago, Nov. 24, this departure was not in the stars. I never had any inkling whatsoever that I will be making this move.
But things do happen, with the hand of Divine Guidance, if we have the faith to trust the Divine. The Philippine Star publisher and top columnist Max V. Soliven rejoined our Maker last Nov. 24 and that sudden development triggered the chain of events that led to this decision.
Max and I were both part of the founding of the top two English-language newspapers in the country today: the Philippine Daily Inquirer and The Philippine Star.
Elfren Cruz (who became head of the Presidential Management Staff and governor of Metro Manila during the Cory Aquino administration) and I brokered the partnership between Betty Go-Belmonte and Eugenia Apostol that gave birth to the Inquirer.
Elfren and I were actively involved in fighting the Ferdinand Marcos dictatorship, and in 1985 it was announced that a snap presidential election would be held on Feb. 7, 1986. We deliberated on how we could fight the Marcos media monopoly and awesome propaganda machinery. There was hardly any major newspaper and national broadcasting network that would support the opposition cause.
We realized that if we could put together two people who had never dealt with each other before, we could establish a major newspaper, one that would give the opposition a voice. Those two persons were Betty Go-Belmonte and Eggie Apostol. Betty's family owned presses that could publish over 250,000 broadsheet copies a day; while Eggie had the editorial staff (which included Max Soliven), which was producing the Mr. & Ms Friday Supplement. As fate would have it, Elfren was very close to Eggie and his wife Neni was writing for her; while Betty and I were like brothers and sisters.
Elfren and I first spoke with Eggie. She was receptive to the proposed partnership. I then spoke with Betty about our meeting with Eggie. Betty was one of the biggest supporters of Cory Aquino; in fact, it was through her that I first met Cory, at Cory's Times Street home in 1983, shortly after Ninoy was interred.
As was the standard operating procedure for Betty: She prayed over the proposal and sought guidance from the Lord. Betty always prayed and sought Divine guidance for her moves, and received guidance through her daily Bible readings. Her family has lived by this practice, and they always get their marching orders right. I've written about this in my "Amazing true-to-life success stories" column.
Subsequently, Betty got her guidance from a verse in her daily Bible reading, which she interpreted as her marching orders to enter into the partnership with Eggie. And as they say, the rest is history.
When Betty decided to leave the Inquirer, and Max and Art Borjal joined her, we all got together and formed The Philippine Star, in July 1986. Just as with her entering into the partnership with Eggie, Betty left the Inquirer after a Bible reading that told her to "Go you out from among them."
Strange indeed are the ways of the Lord. The Inquirer and the Star now occupy the top two market positions, fitting achievements for the legacies of EDSA People Power.
I wrote my first column in the Star, called it "As I Wreck This Chair," a reference to my ability to challenge the finest furniture and to the symbolic shaking of the seats of people in positions of power who have failed in the performance of their duties as public servants. But when I was conscripted to join the Cory administration in January 1987, I had to give up my column.
In 2001, Bobi Tiglao, who was not yet then a member of the Gloria Macapagal-Arroyo Cabinet, invited me to write a column in INQ7.net. I felt challenged, because I had been through all the tri-media of radio, television and print, and INQ7.net offered the new media frontier: the Internet. I knew the potential of what they now call the third screen (first screen is cinema, second is television, and fourth is the cellular phone) and I've always been excited by the new experience of interactive media.
Inviting me to write for INQ7.net may have become one of the biggest regrets of Bobi Tiglao when he was already in the Arroyo administration. I had developed into one of the Arroyo administration's most vocal critics, read around the world through the average 1.5 million page views of INQ7.net.
Writing for INQ7.net was one of the greatest experiences of my now 40 years in the media (I started in radio as a disc jockey in 1967). The interactive nature of the medium has allowed me precious insights into the minds and hearts of many Filipinos who have bothered to e-mail me and share their reactions and views.
Were it not for my obligations and commitments to The Philippine Star, of which I am a part owner, and my closeness to Betty's family, I would not have considered leaving INQ7.net.
Starting Tuesday, Dec. 5, my "As I Wreck This Chair" column in the Star will resume after a 25-year pause.
Thus, on this my last High Ground column, thanks to all of you who have supported me all these years. God bless you all and our beloved country.
You may e-mail William M. Esposo at macesposo@yahoo.com
------------------------------------------------------------------------------------------------------------
HIGH GROUND
A very sentimental farewell
By William Esposo
INQ7.net
Last updated 07:34am (Mla time) 12/01/2006
TODAY I bid all those who faithfully followed my column on INQ7.net a very sentimental farewell. Until two Fridays ago, Nov. 24, this departure was not in the stars. I never had any inkling whatsoever that I will be making this move.
But things do happen, with the hand of Divine Guidance, if we have the faith to trust the Divine. The Philippine Star publisher and top columnist Max V. Soliven rejoined our Maker last Nov. 24 and that sudden development triggered the chain of events that led to this decision.
Max and I were both part of the founding of the top two English-language newspapers in the country today: the Philippine Daily Inquirer and The Philippine Star.
Elfren Cruz (who became head of the Presidential Management Staff and governor of Metro Manila during the Cory Aquino administration) and I brokered the partnership between Betty Go-Belmonte and Eugenia Apostol that gave birth to the Inquirer.
Elfren and I were actively involved in fighting the Ferdinand Marcos dictatorship, and in 1985 it was announced that a snap presidential election would be held on Feb. 7, 1986. We deliberated on how we could fight the Marcos media monopoly and awesome propaganda machinery. There was hardly any major newspaper and national broadcasting network that would support the opposition cause.
We realized that if we could put together two people who had never dealt with each other before, we could establish a major newspaper, one that would give the opposition a voice. Those two persons were Betty Go-Belmonte and Eggie Apostol. Betty's family owned presses that could publish over 250,000 broadsheet copies a day; while Eggie had the editorial staff (which included Max Soliven), which was producing the Mr. & Ms Friday Supplement. As fate would have it, Elfren was very close to Eggie and his wife Neni was writing for her; while Betty and I were like brothers and sisters.
Elfren and I first spoke with Eggie. She was receptive to the proposed partnership. I then spoke with Betty about our meeting with Eggie. Betty was one of the biggest supporters of Cory Aquino; in fact, it was through her that I first met Cory, at Cory's Times Street home in 1983, shortly after Ninoy was interred.
As was the standard operating procedure for Betty: She prayed over the proposal and sought guidance from the Lord. Betty always prayed and sought Divine guidance for her moves, and received guidance through her daily Bible readings. Her family has lived by this practice, and they always get their marching orders right. I've written about this in my "Amazing true-to-life success stories" column.
Subsequently, Betty got her guidance from a verse in her daily Bible reading, which she interpreted as her marching orders to enter into the partnership with Eggie. And as they say, the rest is history.
When Betty decided to leave the Inquirer, and Max and Art Borjal joined her, we all got together and formed The Philippine Star, in July 1986. Just as with her entering into the partnership with Eggie, Betty left the Inquirer after a Bible reading that told her to "Go you out from among them."
Strange indeed are the ways of the Lord. The Inquirer and the Star now occupy the top two market positions, fitting achievements for the legacies of EDSA People Power.
I wrote my first column in the Star, called it "As I Wreck This Chair," a reference to my ability to challenge the finest furniture and to the symbolic shaking of the seats of people in positions of power who have failed in the performance of their duties as public servants. But when I was conscripted to join the Cory administration in January 1987, I had to give up my column.
In 2001, Bobi Tiglao, who was not yet then a member of the Gloria Macapagal-Arroyo Cabinet, invited me to write a column in INQ7.net. I felt challenged, because I had been through all the tri-media of radio, television and print, and INQ7.net offered the new media frontier: the Internet. I knew the potential of what they now call the third screen (first screen is cinema, second is television, and fourth is the cellular phone) and I've always been excited by the new experience of interactive media.
Inviting me to write for INQ7.net may have become one of the biggest regrets of Bobi Tiglao when he was already in the Arroyo administration. I had developed into one of the Arroyo administration's most vocal critics, read around the world through the average 1.5 million page views of INQ7.net.
Writing for INQ7.net was one of the greatest experiences of my now 40 years in the media (I started in radio as a disc jockey in 1967). The interactive nature of the medium has allowed me precious insights into the minds and hearts of many Filipinos who have bothered to e-mail me and share their reactions and views.
Were it not for my obligations and commitments to The Philippine Star, of which I am a part owner, and my closeness to Betty's family, I would not have considered leaving INQ7.net.
Starting Tuesday, Dec. 5, my "As I Wreck This Chair" column in the Star will resume after a 25-year pause.
Thus, on this my last High Ground column, thanks to all of you who have supported me all these years. God bless you all and our beloved country.
You may e-mail William M. Esposo at macesposo@yahoo.com
Thursday, March 22, 2007
10 Retirement Planning Mistakes
Forwarded by a friend who is a financial advisor in the Philippines.
From Jenny McKinney & Patrick McKinney
Just because you invest in a retirement plan doesn't mean you will be financially secure when you decide to retire. If you are making these retirement planning mistakes, you could be in for a sad surprise.
1. Not taking full advantage of your company retirement benefits
You should invest as much money into your company retirement plan as you can afford. At the very minimum, you should invest enough to get your company matching funds if they are offered.
2. Withdrawing money from your retirement plan
By withdrawing money from your retirement plan, you lose valuable interest that is extremely difficult to replace. Some plans allow for hardship withdrawals and/or loans but you must be careful when taking advantage of these withdrawals.
3. Not actively monitoring your investments
Monitoring your investments makes sense so that you are aware of any discrepancies. Monitoring also alerts you to how well your investments are performing or not
performing. If you are carefully tracking your investments, you will be better equipped to know when to switch to a different strategy.
4. Relying on Social Security for your retirement income
While social security might provide a substantial portion of your retirement income, you should have other means of income as a back up. It's best to have a company pension or retirement plan and personal savings in addition to social security when you
retire.
5. Relying on your spouse's retirement plan
If one spouse relies on his/her spouse's retirement plan for his/her retirement, he/she could be in for a very sad surprise. The spouse with the retirement plan could die leaving the other spouse with no income. There could be a divorce or even illness that could compromise the single spouse retirement plan. Each person must have a separate retirement plan for the
best retirement security.
6. Forgetting to review your plan regularly
If you forget or ignore reviewing your retirement plan on a regular basis, you might be losing a portion of your retirement income. You need to periodically review your asset allocation, your balances, your goals, and so on to insure you are making the most of
your plan.
7. Practicing poor asset allocation
Poor asset allocation can be financial suicide. What if all your investments are in one stock and the company goes bankrupt? The secret is to diversify sothat if one investment decreases in value, another will hopefully increase.
8. Not checking out your broker/financial advisor
There are lots of reputable brokers and financial advisors who are knowledgeable about how your portfolio should be set up and maintained. There are also quite a few brokers and financial advisors who are not so reputable or are simply ill informed. If
you are going to trust your retirement savings to someone, you owe it to yourself to check credentials and track records.
9. Relying too heavily on your company stock
Your company stock is a very good way to save for your retirement especially in your company retirement plan. This can be dangerous though if your portfolio consists of mostly company stock. All companies have lean times and some could have mismanaged finances that could result in bankruptcy. It's best to have a good investment mix in your retirement account.
10. Not taking retirement planning seriously
This very well could be the worse mistake a person can make about his/her retirement plan. Even if you are a very young person, your retirement plan should be a
serious priority. By starting early, you can grow quite a large nest egg and might just be able to
retire early. A lot of people feel they have plenty of time to worry about retirement planning once they have their home, children through college, the new Hummer, and so on. My answer to these people is to think about the life style they might want to keep once the
paycheck stops.
Bottom line is to take your retirement planning efforts seriously, diversify your investments, save regularly, and keep your goals in mind.
From Jenny McKinney & Patrick McKinney
Just because you invest in a retirement plan doesn't mean you will be financially secure when you decide to retire. If you are making these retirement planning mistakes, you could be in for a sad surprise.
1. Not taking full advantage of your company retirement benefits
You should invest as much money into your company retirement plan as you can afford. At the very minimum, you should invest enough to get your company matching funds if they are offered.
2. Withdrawing money from your retirement plan
By withdrawing money from your retirement plan, you lose valuable interest that is extremely difficult to replace. Some plans allow for hardship withdrawals and/or loans but you must be careful when taking advantage of these withdrawals.
3. Not actively monitoring your investments
Monitoring your investments makes sense so that you are aware of any discrepancies. Monitoring also alerts you to how well your investments are performing or not
performing. If you are carefully tracking your investments, you will be better equipped to know when to switch to a different strategy.
4. Relying on Social Security for your retirement income
While social security might provide a substantial portion of your retirement income, you should have other means of income as a back up. It's best to have a company pension or retirement plan and personal savings in addition to social security when you
retire.
5. Relying on your spouse's retirement plan
If one spouse relies on his/her spouse's retirement plan for his/her retirement, he/she could be in for a very sad surprise. The spouse with the retirement plan could die leaving the other spouse with no income. There could be a divorce or even illness that could compromise the single spouse retirement plan. Each person must have a separate retirement plan for the
best retirement security.
6. Forgetting to review your plan regularly
If you forget or ignore reviewing your retirement plan on a regular basis, you might be losing a portion of your retirement income. You need to periodically review your asset allocation, your balances, your goals, and so on to insure you are making the most of
your plan.
7. Practicing poor asset allocation
Poor asset allocation can be financial suicide. What if all your investments are in one stock and the company goes bankrupt? The secret is to diversify sothat if one investment decreases in value, another will hopefully increase.
8. Not checking out your broker/financial advisor
There are lots of reputable brokers and financial advisors who are knowledgeable about how your portfolio should be set up and maintained. There are also quite a few brokers and financial advisors who are not so reputable or are simply ill informed. If
you are going to trust your retirement savings to someone, you owe it to yourself to check credentials and track records.
9. Relying too heavily on your company stock
Your company stock is a very good way to save for your retirement especially in your company retirement plan. This can be dangerous though if your portfolio consists of mostly company stock. All companies have lean times and some could have mismanaged finances that could result in bankruptcy. It's best to have a good investment mix in your retirement account.
10. Not taking retirement planning seriously
This very well could be the worse mistake a person can make about his/her retirement plan. Even if you are a very young person, your retirement plan should be a
serious priority. By starting early, you can grow quite a large nest egg and might just be able to
retire early. A lot of people feel they have plenty of time to worry about retirement planning once they have their home, children through college, the new Hummer, and so on. My answer to these people is to think about the life style they might want to keep once the
paycheck stops.
Bottom line is to take your retirement planning efforts seriously, diversify your investments, save regularly, and keep your goals in mind.
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