1. Ang Pera na Hindi Bitin:
Experiencing breakthroughs
in your finances
Ardy Roberto
Co-Founder, Salt & Light Ventures, Inc
Inspire Leadership Consultancy, Inc.
Entrep10 Awardee,
Microsoft Most Inspiring Entrepreneur
Co-Columnist, Philippine Daily Inquirer’s MarketingRx
Author, S4, Heart of Healing, Buhay na Hindi Bitin, Pera na Hindi Bitin
www.saltandlight.asia
8. Seminar Outline:
Breakthrough #1: Attitude towards
money. Will money solve my problems?
What is “great wealth?”
Breakthrough #2. Mindset reset:
Stewardship. Who owns “your” money?
to be a better
Breakthrough #3. How
steward of money so you can be
entrusted with more: 7 strategies
roadmap
13. The Bible has
500 verses on prayer;
500 verses on faith; but over
2,300 verses on money
and possessions.
14. Ardy Roberto’s Ang Pera na Hindi Bitin
Breakthrough #1
knowing
“great wealth”
15. Your money or your life?
Adolf Merckle (World’s 94th richest, Germany’s
5th richest) stressed out by financial crisis:
Commits Suicide (Jan 6-09)
16. Your money or your life?
Adolf Merckle (World’s 94th richest, Germany’s
5th richest) stressed out by financial crisis:
Commits Suicide (Jan 6-09)
17. “Whoever loves money never has
money enough; whoever loves
wealth is never satisfied with his
income. This too is meaningless.”
King Solomon, Ecc 5:11
18. “For the love of money
is a root of all kinds of
evil. Some people, eager for money, have
wandered from the faith and pierced
themselves with many griefs”
(1 Timothy 6:9-10)
Money won’t love you back!
Don’t fall into the trap!
19. Adolf Merckle (World’s 94th richest,
Germany’s 5th richest) stressed out by
financial crisis: Commits Suicide (Jan 6-09)
20. Promise / truth:
"For I know the plans I have for you,"
declares the Lord, "plans to prosper
you and not to harm you, plans to
give you a hope and a future.”
Jeremiah 29:11
21. But then why this sad Fact?
90% of Filipinos are “broke or will die
broke”
- Bank of the Philippine Islands (BPI) study
22. Wrong mindset:
Poverty mentality. Mentality of lack
(mauubusan).
No-trust-in-God mindset
Does not know or believe in God’s promise,
God’s truth that He will supply ALL of your
needs.
God takes care of His children. If God is your
Father – through our relationship with Jesus
Christ – then He will take care of you.
God is a rich God. He owns everything.
23. Know the TRUTH:
“And my God will meet all your
needs according to His riches in
glory in Christ Jesus”
(Philippians 4:19)
24. True or false?
needs
Our great God will meet all of our
whether we are in Saudi, Makati, Cebu or
Zamboanga
25. True or false?
needs
Our great God will meet all of our
whether we are in Saudi, Makati, Cebu or
Zamboanga
26. NEEDS / Pangangailangan
(Hindi “luho” or “wants”)
e.g.
1. Food
2. Clothing
3. Shelter
4. Education
5. Health
6. Transportation
7. Communication
8. Others…
28. Story of the three managers
Mgr A : P5M
Mgr B: P2M
Mgr C: P1M
[according to abilidad]
29. Story of the three managers
Mgr A :
P5M puhunan
P5M kita!
30. “Well done, good and faithful servant! You
have been faithful with a few
things; I will put you in charge of
many things. Come and share your
master's happiness!”
(Matthew 25:23. NIV)
32. “Well done, good and faithful servant! You
have been faithful with a few
things; I will put you in charge of
many things. Come and share your
master's happiness!”
(Matthew 25:23. NIV)
33. Mgr C :
P1M puhunan
P1M kita?
“…I was afraid, and…hid your
money in the ground. Look, there
you have what is yours.”
34. Naku, nagalit si bossing:
“You wicked and lazy servant!
…You ought to have deposited my
money with the bankers, and at
my coming I would have received
back my own with interest….
…Cast the unprofitable servant
into the outer darkness!”
35. Our purpose is to be
faithful stewards
of whatever is entrusted to us.
Not just safekeeping but make things
profitable!
(See parable of the talents
Matthew 25:14-30)
How many of you are burying talents -- money or
resources entrusted to you – under the ground?
36. “Well done, good and faithful servant! You
have been faithful with a few
things; I will put you in charge of
many things. Come and share your
master's happiness!”
(Matthew 25:23. NIV)
37. Pinagkatiwalaan sa iyo ang pera, puhunan, at
kakayahan (talento)…
Pinapapalago mo ba ito?
Be faithful in the little things and you will
be entrusted with “bigger” things.
God honors good stewards.
38. "Ang mapagkakatiwalaan sa maliit na
bagay ay mapagkakatiwalaan din sa
malaking bagay; ang mandaraya
sa maliit na bagay ay mandaraya
rin sa malaking bagay."
(Lucas 16:10 MBB)
39. Puede ka bang pagkatiwalaan sa mga maliliit na
bagay?
[can you be trusted with little things?]
42. P80M Lotto Winner,
Naputulan ng Kuryente.
"Last Sunday’s debut telecast (True
Stories on QTV featured) the story of
a man who won over P80 million
playing the lotto sweeps—and
eventually lost most of it. In fact, his
fortunes have fallen so low that the
electricity in his “mansion” has been
cut off, and his kitchen shelves are
bare. (Inquirer.net, 1/29/10.
43. Florida Lotto winner wished
he had never won.
Family members say Abraham
Shakespeare, a truck driver's assistant,
was constantly hounded for a piece of
his $30 million lotto winnings.
Shakespeare's brother told The
Associated Press that Shakespeare
often wished he had never bought the
winning ticket. `` `I'd have been better
off broke.' He said that to me all the
time,'' Robert Brown said. (In April of
2009, Shakespeare was murdered and
buried in the backyard of his friend.)
Read more: http://www.miamiherald.com/
44. "Kaya kung hindi kayo
mapagkakatiwalaan sa mga
kayamanan ng mundong ito, sino
ang magtitiwala sa inyo ng tunay na
kayamanan? At kung hindi kayo
mapagkakatiwalaan sa kayamanan ng
iba, sino ang magbibigay sa inyo ng
talagang para sa inyo?"
(Lucas 16:11-12 MBB)
45. Ilista lahat ng iyong ari-arian
(pera, investments, negosyo,
lupa, sasakyan, celphone)
{SALN}
46. “The earth is the
LORD’s, and everything
in it, the world, and all
who live in it”
Psalm 24:1
{So sino ang may ari ng nasa
listahan mo?}
55. Mag-ipon
Para makaipon ng iyong unang
milyon, kailangan mong mag-umpisa
sa pag-iipon ng piso-piso. Huwag
mong isipin na maliit ang piso para
ipunin.
57. example: If you earn P7,500 a month,
save P750 every month by
automatic transfer or deposited to your
special savings account na nagbibigay ng at
least 7.5% interest per annum (or per year).
P750@ mo
3 yrs = P30,000
5 yrs = P54,000
10 yrs = P132,000
20 yrs = P400,000
30 yrs = P1,000,000!
58. Ang galing ‘no? Sabi nga ng genius na si
Albert Eintein, “The most powerful force in
the universe is compound interest.”
59. Savings of Savings of
P1,000 a month P2,000 a month
for 20 years for 20 years
= P467,661 = P935,323
Savings of
Savings of P10,000 a
P4,000 a month month for 20
for 20 years years
= P1,864,025 = P4,676,613
*6% p.a. compounded *6% p.a. compounded
monthly
monthly
60. “Tingnan mo yaong langgam, ikaw taong
ubod tamad, pamumuhay niya’y masdan
mo at nang ikaw ay mamulat. Kahit siya’y
walang punong sa kanila’y nag-uutos,
walang tagapamahala o taga-masid na
sinusunod, ngunit nag-iimbak ng pagkain sa
tag-araw, kailanga’y iniipon kung panahon
ng anihan”
(Kawikaan 6:6-8 MBB)
61. “Ang tao na ipon
ng ipon, pera
niya’y ‘di lilipad na
parang ibon!”
73. Ang purpose ng pag-iipon is so that we
may become generous and able to
support ourselves and our
family (and even our extended family
who may need help).
74. Sabi ni Solomon:
“Good people leave an
inheritance to their
grandchildren, but the sinner’s wealth
passes to the godly”
Proverbs 13:22, NLT
75. Purpose of surplus?
“So that he will have enough
to provide for the needs of
others.
Because true wealth comes with
the gift of giving.”
- Larry Burkett
79. “Magbigay kayo at kayo’y
bibigyan. Hustong takal, siksik,
liglig, at umaapaw ang ibibigay
sa inyo. Sapagkat ang panukat
ng ginamit sa iba ay siya ring
panukat na gagamitin sa inyo.”
- Luke 6:38
85. October 2000
My “Miracle”:
Patient
• Kidney damage
reversed
• No chemotherapy
• No Dialysis
• Minimal medication
• Lupus quiet since 2000
www.saltandlight.ph
89. Dream trips – Egypt/ Israel 2005
My “Miracle” Patient @ Sea of Galilee
www.saltandlight.ph
90.
91. "Remember this: Whoever sows sparingly,
will also reap sparingly, and whoever sows
generously will also reap generously.Each
man should give what he has decided in his
heart to give, not reluctantly or under
compulsion, for God loves a cheerful
giver. ...You will be made rich in every way
so that you can be generous on every
occasion, and through us your generosity
will result in thanksgiving to God."
(2 Corinthians 9:6-7, 11, NIV)
92. Giving is a sign that God’s love is in you:
“If anyone has material possessions
and sees his brother in need but
has no pity on him, how can the
love of God be in him?”
(1 John 3:17, NIV)
93. “Give generously to him and
do so without a grudging
heart; then because of this
the LORD your God will bless
you in all your work and in
everything you put your hand
to.”
– Deuteronomy 15:10
99. 1. Borrow from a pessimist (humiram sa
isang pesimistang tao)
100. 2. Budget for debt repayment – don’t go into
denial
a. Make a list – person/org and amount
b. Pay off the smallest debt first
c. Then pay off all others by installment
102. 4. Avoid emotional spending
- Huwag bumili ng gamit pag depressed
- Huwag pumunta ng supermarket ng
gutom
- [Tip: bring only cash when you go to
supermarket]
103. Tips from Pastor Jim Reyes when at the
mall:
1. Drink lots of water.
2. Walk a lot.
3. Eat champoy.
4. Read a book
5. When you see a SALE sign:
S – Stay
A – Away
L – Look
E – Elsewhere!
i.e. Flee from sin!
104. Mahirap ang mabaon sa utang.
Sabi ni King Solomon:
“The rich rules over the poor, and the
borrower becomes the lender’slave”
(Proverbs 22:7,
NASB)
105. Kaya lang, there is a debt that we can never
pay for:
“For the wages if sin is death, but the gift of
God is eternal life in Christ Jesus our Lord” –
Romans 6:23
106. “All of us have sinned and fallen short of God’s
glory. But God treats us much better than we
deserve, and because of Christ Jesus, he
freely accepts us and sets us free from our
sins.”
Romans 3:22 - 24
107. Why did he pay for our sins?
Pag-ibig. Ito ang pag-ibig na hindi bitin. Hindi
kayo papabayaan ni Hesus.
“For God so loved the world that He gave his
only son, Jesus Christ, so that whosoever
believes in Him will not perish but have eternal
life.” John 3:16
112. Kung mayroon lang tayong
pagkain at damit, tama na raw
iyon, dapat kuntento na tayo
(Paul to Timothy - 1 Tim 6:8)
113. champion boxer – earned $300M career (P13.5B)
employed 200 (drivers, bodyguards, chefs, gardeners, etc)
$4.5M on cars and motorcycles
$3.4M on clothes and jewelry
$7.8M personal expenses
$140,000 tigers + $125,000 trainer
$2M bathtub as gift to wife
$410,000 birthday party
$230,000 cellphones
2005
Utang/Debt = $38M
116. “Keep your lives free from the love of
money and be content with what you
have because God has said. Never will I
leave you, never will I forsake you.”
(Hebrews 13:5,
NASB)
117. Tale of two workers
Lita
• Lives simply – no malls, no movies
• Reads for enjoyment
• Laundry woman
• Husband – jeepney driver
• Sent 5 children to school – all working
• Very seldom asked for advance on salary
118. Tale of two workers
Lori
Gastador
Text / load
DVD
Asawa – spends on cigarettes/yosi, alak
Always asks for advance
123. “Lazy people are soon poor; hard workers
get rich.”
(Proverbs 10:4, NLT)
124. Composition of millionaires in the world:
1% - celebrities (singers, actors,
athletes)
5% - top salesmen
10% - top specialists (lawyers, doctors,
professionals)
10% - top executives of mega
corporations
74% - entrepreneurs!
(Bo Sanchez, 8 Secrets of the Truly Rich)
125.
126. “All hard work brings a
profit, but mere talk leads
only to poverty”
- King Solomon
(Proverbs 14:23)
127. “Do not love sleep or you will
grow poor; stay awake and
you will have food to spare”
- King Solomon
(Proverbs 20:13)
128. my work story -
• ham cook
• call center
• gardener
• mail room clerk
• test subject – sleep deprivation study
• fire extinguisher salesman
• encyclopedia salesman
• writer
• employee - entrepreneur
• concert promoter
145. My experience as a
network marketing
distributor:
Put in 5 years part-
time
Earn royalties = full
time salary of a
manager/executive
for next 15 years
162. Pinaka-malutong na krispy krickets /
(pinaka-fear factor na pagkain)
Insect-Inter – Bangkok, Thailand
163. Insect Inter (Thailand).
#1 in Insect-fastfood category
Slogan:
“Never
mind the
look, it
tastes
great“
founder – Satapol
Polprapas
164. Insect Inter (Thailand)
Ø RESULT
Ø 60+ outlets
Ø Over 15M
Baht in
sales @ year
Ø 100 new
franchisees
165. Insect Inter (Thailand)
"I have absolutely no doubt that our
crispy, crunchy crickets will replace
popcorn as a favourite snack in cinemas“
- Mr Satapol Polprapas, InsectInter Founder, 29 yrs
old (started with just P160 investment)
193. KKK
#3 K
ma“KULIT”
Increase transaction size by being
Ma”KULIT” (pero malambing):
“O baka kailangan nyo rin ng…”
Magtanong…
asK and you shall receive!
200. The lesson is “If it’s too good to be true,
it probably is!”
201. “People who want to get rich fall
into temptation and a trap and into
many foolish and harmful desires that plunge
men into ruin and destruction. For the love
of money is a root of all kinds of evil.
Some people, eager for money, have
wandered from the faith and pierced
themselves with many griefs”
(1 Timothy 6:9-10)
209. “If you are a disciplined investor, at nag-iinvest ka
regularly ng P5,000 a month for the next 20 years
in Blue Chip stocks or shares, after 20 years, your
shares should be worth P20 million pesos.
218. Ask your bank manager about:
1. Special Savings (3 mos)
2. 5 Year TDs
a. tax-free,
b. interest out monthly
c. Check out large Rural Banks, Govt
Owned Banks or Small Savings or
Commercial Banks (interest p.a.: 5% -
7.5%+)
3. Corporate Bonds (PLDT, SMC, Vista etc)
a. 5 to 10 yrs
b. Interest out quarterly
c. Range 5% - 8%
Or ask for T2 (Tier 2)
219. Financial Goal Setting Exercise [See handout]
Financial Goal Setting
My current monthly overhead based on actual
expense is: P________________
My projected monthly overhead in five years
based on future needs (education, new home,
etc) will be P_____________.
God willing, I will have the amount of
P_________________ in my “retirement”
account/s by the year _____.
220. Here’s a Simple “Retirement” plan if you want
to start working in your dream job, ministry, write,
take care of family, travel,study again, teach, etc.
Work hard in your job, business, save
aggressively, invest wisely and consistently in
stocks and then start setting up different
retirement accounts over the next 5 to 10 years.
Then start earning passive monthly or quarterly
income from 5 YR TD placements,
Corp Bonds, Rental income and pension plan.
221.
222. - the exercise of good judgment,
common sense, and even caution,
especially in the conduct of practical
matters.
225. 175-year old conglomerate.
Investing almost P50 B in their
business this year.
“We continue expanding in a down cycle
and that comes back many times over
when things turn out better.”
226. Q:
Are you also expanding in this “down
cycle” so that your investment comes
back many times over when things turn
out better?
227. “We’re very prudent in the
way we use and deploy our
capital. Clearly, there is a global
crisis right now and as we look at
our budget, we measure it
carefully in relation to what the
market can take. But if you look
at our capital expenditure for the
year, this is not an insignificant
amount. We don’t know of any
other group that is spending that
kind of money in a down cycle.”
Jaime Augusto Zobel de Ayala
228. OR…you can always learn how to box like:
and earn $22M++
after one fight.
230. Sabi ni Chinkee Tan sa kanyang
libro, For Richer & for Poorer,
“Rich people educate themselves
more than they entertain
themselves.
Poor people entertain themselves
more than they educate
themselves.”
231. “Masa” mentality
• Spend for things they believe they “need”
- Colored TV /DVD
• Splurge on celebrated occasions:
Christmas, New Year, Valentine (Western influenced);
fiesta, jueteng (Native Filipino)
231
233. Magsubscribe sa
Wealthy & Wais text service.
Just text WEALTHY
and send to 2910 (Smart/Globe )
Simple lang!
Get daily encouragement
on how to wisely
manage
your finances for
just P2.50@day.
234. Magsubscribe sa Go Negosyo Text
Tips service. Just text Go Nego
and send to 2910 (Smart/Globe)
Simple lang! Get daily
encouragement on how to start up
and run a business for just
P2.50@day.
235. Diagnostic Test:
Stare for a few seconds at each of the
following patterns.
Are the patterns moving?
Or are they perfectly still??
236. Look for scholarships and
educational exchange programs
for yourself or your children.
237. Budget 10% of your personal
income for continuing education,
seminars, books
238. Important
Educate yourself on how to be healthy.
Take responsibility.
Or else you’ll spend what you saved
and earned to gain back your health.
Health is wealth!
239. If God asked you what you
wanted, what would you ask
for?
240. And so the story goes:
“That night God appeared to Solomon
and said, ‘What do you want? Ask, and
will give it to you!’
2 Chronicles 1:7-12
241. Solomon replied to God, ‘you showed faithful
love to David, my father, and now you have
made me king in his place. O LORD God,
please continue to keep your promise to David
my father, for you have made me king over a
people as numerous as the dust of the earth!
Give me the wisdom and
knowledge to lead them
properly, for who could possibly govern
this great people of yours?
2 Chronicles 1:7-12
242. 2 Chronicles 1:7-12
God said to Solomon, ‘Because your greatest
desire is to help your people, and you did not
ask for wealth, riches, fame, or even
the death of your enemies or a long
life, but rather you asked for wisdom and
knowledge to properly govern my people—I will
certainly give you the wisdom and
knowledge you requested. But I will also
give you wealth, riches, and fame such as
no other king has had before you or will
ever have in the future!.”
243. Sabi ni Haring Solomon, na naging
pinakamayaman na hari even after he asked
God to bless him with wisdom,
“Trust in the LORD with all you heart and lean
not on your own understanding; in all your ways
acknowledge him, and he will make your paths
straight”
(Proverbs 3:5-6)
244. O God, I beg two favors from you before I die.
First, help me never to tell a lie.
Second, give me neither poverty nor riches!
Give me just enough to satisfy my
needs.
For if I grow rich, I may deny you and say,
"Who is the LORD?"
And if I am too poor, I may steal and thus
insult God's holy name.
- King Solomon
(Proverbs 30:7-9 nlt)
245. Diyos ko, may hihilingin akong dalawang bagay
bago ako mamatay:
Huwag akong hayaang maging sinungaling.
Huwag mo akong payamanin o paghirapin.
Sapat na pagkain lamang ang ibigay mo sa
akin.
Baka kung managana ako ay masabi kong hindi na
kita kailangan.
Baka naman kung maghirap ako'y matutong
magnakaw, at pangalan mo'y malapastangan.
Kawikaan 30:7-9
247. World’s most
expensive
wedding –
US$60m –
almost P350m
wedding held in
Paris last June
2004 – the bill
was footed by
the billionaire
Indian father of
the groom.
US$60 MILLION WEDDING
248.
249. "Yet true godliness with contentment
is itself great wealth.
7After all, we brought nothing with us
when we came into the world, and we
can’t take anything with us when we
leave it.”
Paul to Timothy
1 Timothy 6:6-7, NLT
250. “Do not store up for yourselves treasures
on earth, where moth and rust destroy,
and where thieves break in and steal.
But store up for yourselves
treasures in heaven, where moth and
rust do not destroy, and where thieves do
not break in and steal. For where your
treasure is, there your heart will be also”
(Matthew 6:19-21)
251. Follow God’s wisdom, and you’ll be godly,
righteous:
“Once I was young, and now I am old. Yet
I have never seen the godly abandoned
or their children begging for bread."
(Psalm 37:25)
252. Pitong Paraan
Para Di Mabitin ang Pera
1. Save. Gamitin ang “Automatic Millionaire”
saving system.
2. Give. Honor the Lord and give back with a
joyful heart. Be generous to your family and to
the poor.
3. Get out of debt and stop borrowing.
Tama na ang utang, salary advances at
cover-spending
4. Live simply. Be frugal. Keep your expenses
less than your income.
253. Pitong Paraan
Para Di Mabitin ang Pera
5. Magsipag, Mag-negosyo. Maging
enterprising o mag-umpisa ng sideline o
negosyo
6. Mag-invest. But “investigate before you
invest” para hindi maloko sa mga scams.
7. Educate yourself. Mag-aral and pray for
wisdom. Magbasa ng mga libro at
mag-attend ng mga seminars para
madagdagan ang iyong knowledge
at skills.
257. “And my God will meet all your needs
according to His riches in glory in Christ Jesus”
(Philippians 4:19)
Sa Tagalog,
“At buhat sa hindi mauubos na kayamanan
ng Diyos, ibibigay niya ang lahat ng
inyong kailangan sa pamamagitan ni
Cristo Jesus. Purihin ang ating Diyos at Ama
magpakailanman! Amen”
(Filipinos 4:19-20, MBB)
258. “Dear Lord, Salamat! I learned a lot about how to be
a faithful manage of Your money which You entrust
to me or will entrust to me. Salamat, Lord, na meron
pa akong pag-asa para maging good provider para
sa aking pamilya. Ngayon na natuto na akong mag-
save, magbigay, mabuhay ng simple, magsipag,
mag-invest, at mag-aral para umasenso at maging
isang faithful steward, sana Lord, You will bless my
plan and my actions.”
259. “Pero, mas mahalaga Lord God, I pray that You will
now enter my life as my Lord and Savior. I am
yours! I know that all the material possessions that I
have in this life do not compare to being with You in
heaven at the end of my life.”
“Salamat Lord Jesus sa Iyong pagmamahal. Amen!”
