Thursday, April 26, 2012

Money! Money! Money!


Gusto nyo ng PERA? Sino ba naman ang ayaw! Lahat gusto nyan. Ang magkapera at yumaman. Kaya ka nga nagpapakapagod magtrabaho para kahit papano may makain ka sa araw-araw, maka-ipon, at paminsan-minsan eh may pambili ka ng luho mo. (Wag lang pong susobra, ok?)At kung may bisyo ka, lagot na... kayod kabayo kailangan mong gawin para lamang dyan... (alisin ang masamang bisyo, masama yan sa katawan...seryoso! Mababawasan pa ang iyong pinagkakagastusan)

Taas ang kamay ng mga may trabaho na pag dating ng kinsenas/katapusan eh parang dumaan lang sa palad ang pinaghirapang sweldo! Wala? Aba... rich ang readers ng Unplog...

At para don sa mga nahiyang magtaas ng kamay... para po sa inyo ang mababasa nyo ngayon! Ihanda ang lapis at papel dahil may exam pagkatapos nyong magbasa...(Math lang naman po madali lang)

Enjoy and share to others kung anuman matututunan nyo... 

Unplog's SM Advantage na di pwedeng pambili... expired na bank account... ano pa ang natira?




BASICS OF CASH FLOW!!!! 


FROM UNKNOWN AUTHOR


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! 

*END OF POST*



17 comments:

  1. hindi ako entrepreneur. investor pwede pa. don kasi ako nakafocus. sa mutual funds, bonds, stocks etc. wolo long heheh

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  2. @Bino... hanep! Nosebleed ako sa mga ganyang stocks at funds na ganyan! lol... bigatin ka talaga sir!

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  3. Parang gusto ko na ring mag-invest sa stocks. Meron naman akong munting kutkutin pero decret na kung ano yun kasi start palang baka mausog.

    Puro M tapic mo ah, Multo, Money...ano sunod? hehehe

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  4. P.S. natawa naman ako sa mga singit mong phrases, djak a maawatan.Seryoso na eh. Natawa tuloy ako.

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  5. tama. ika nga nila walang yumayaman bilang employee, dapat business talaga!
    kaya habang bata pa.. invest,invest,invest make a business for the future!

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  6. sabe nga nila, don't just rely on 8hrs of work...make the remaining 16 hrs productive :))

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  7. Kaya nga nag-accounting student ako eh. Hoho. Konek? Chos.
    Kaya nga maraming Chinese ang mayaman kasi they were taught to be employers, business men not just mere employees.

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  8. I wish I learned about this when I wa younger. Sana dati ko pa nabasa to. I am guilty on spending on liabilities nung kabataan ko. haha.. parang antanda na. Pero I learned my lesson na and nag start na din mag save and maliit na negosyo. Pero super liit pa.

    inspiring ang post na to. Thank you for doing this. dami kong natutunan, :)

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  9. Interesting topic to idol Mar, good job! timing na timing dahil yun din ang nasasaisip ko sa mga panahon ngayon. Sana maraming magshare ng kanilang experiences at ideas. Galeng naman ni idol Bino, ibang level investor at stocks ang target. Sana more topics na ganito, more stories, more ideas.. inspire us na gusto palang magsimula magtaguyod ng kumikitang pangkabuhayan. Happy weekend ahead sayo!

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  10. @ Sey, wow mag i-invest, sige go for it!

    @ AXL... mag-business na... pagkakitaan na ang dapat pagkakitaan

    @TR.. agree! Bawasan ang Blog time hehe

    @ Jana, accounting student ka pala...that's a good start hehe

    @ Mayen... good that you have a business na kahit maliit... ako nga wala eh hehe

    @ Happy weekend din sayo Gracie! Yaan mo, I'll try my best na mag post ng mga ganitong topic hehehe...

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  11. Timely ideas for everyone and you right. Thanks 4 sharing. Visiting from Gracie goes gaga:)

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  12. @joy, thank you for visiting! Give my regards to Gracie hehe

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  13. Kelangan at dapat talaga mag-save tayo pero di ko naman sasayangin ang oras ko kakaisip pano magkapera. Di ko alam kung buhay pa ko bukas, the same way na di natin alam kung may work pa tayo o biglaang matatanggal sa trabaho bukas kaya bakit ko naman i-stress ang sarili ko para sa magiging pangyayari bukas. Haha, mapangatwiranan lang ang pagiging gastador eh...hehe!

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  14. Interesting ideas.Yeah, each one of us needs money. Kaya lang minsan mahirap i identify kung ano ba talaga ang assets at liabilities in life. Most of us think this is an assets but in real life it was a liabilities where people confused.Kaya ako enjoy life na lang the most I can.
    I read your post I remember the book that I just finished to read"Rich dad,Poor dad" .

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  15. excellent writeup, pero this is really easier said than done, ang hirap mag succeed sa business eh :P

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  16. Andito na si mommy joy :)

    O see kuya Mayong? Dont buy liabilities okay? hahahaha!

    oo na. joke lang. -_-

    ReplyDelete

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