Willyn Buena's Blog

What are the benefits of tae bo

Willyn Buena — Wed, 04 Nov 2009 23:56:00 +0000

What are the benefits of tae bo

Tae-bo is an aerobic and cardio workout, which makes you work out a sweat and lose weight at a faster pace if you workout constantly during a week. In two-three weeks you will notice how your muscles are getting better defined and your physical resistance got a significant boost. But maybe the impressive effect of tae bo is the energy and force sensation that it give you. After one hour of tae bo you feel the desire run, climb a mountain. You feel like you could do anything.

Why Dancercise?

Willyn Buena — Tue, 03 Nov 2009 20:42:00 +0000

Why Dancercise?

Aerobics is one of the best forms of exercise. It helps exercise

several muscle groups and works up a very healthy cardio-vascular

tempo. One of the drawbacks of regular aerobic exercise is that it is

purely ‘exercise’.

Dancercise combines the exercise of aerobics and the steps and

rhythm of dance, making it a more enjoyable experience. Since

dancercise is also about learning dance, it helps improve muscular

coordination and control.

Most importantly, it is fun and it works up a sweat.

Medical benefits of Dancercise

Dancercise has several benefits that improve the quality of life.

The most important benefit is improved heart health. Your

heart is a muscle just like any other and in order for it to

become strong it must be worked. If you fail to work it, it will

weaken over time and this can cause a variety of negative

health effects. Dancercise massages your heart to increase its

strength and endurance.

Dancercise is also great for improved metabolism. Improved

metabolism means burning extra calories. Dancing makes sure

that the calories burn in the right places.

Performing cardiovascular exercise also changes the hormonal

profile in your body considerably. It releases ‘feel good’

hormones that will help ease symptoms of depression and

fatigue as well as releasing hormones that decrease appetite.

Dancercise improves recovery ability by making sure that your

muscles are regularly exercised. Regular exercise builds and

tones strong muscles that are key to recovery.

Home/Apartment Security Tips

Willyn Buena — Fri, 23 Oct 2009 22:15:00 +0000

Home/Apartment Security Tips

Statistics show that in some point in your life you will experience a burglary of some sort. Unfortunately, for apartment/dorm dwellers it is worse as crimes are easier to commit in apartment buildings.

The reason why apartments are a common target is that so people are in and out of apartment buildings all the time and it is much harder to keep non-residents out. After all, you would notice a stranger is your house but you would not necessarily know who should and shouldn’t be walking down a hallway of an apartment building. So what can be done to tackle crime in apartment blocks? Fortunately there are several measures that can be done and steps to take to ensure security in your apartment. This article series describes the most appropriate action that can be taken to minimize the chance of burglary and theft from your apartment.

So if you have, as most people do, expensive household items such as televisions, stereos, computers, money and jewelry it is wise to take action and prevent crime occurring. Your goal is to deter thieves from even attempting to break into your apartment in the first place. If they are really determined to break in then the chances are they will find a way in, but, you do not want to leave an open door opportunity for them. Therefore you want to eliminate that signs that say you have no security and lots of valuable items sitting there, ready to be taken.

One of the first steps is to use common sense. For example, make sure you have locked your door when you leave. Don’t leave your windows open all day long when you are not in. Don’t leave notes for delivery men stating… “Back in 1 hour”.

When a burglar is choosing which house to break into one of their main considerations is how quickly they can get into, and out of, the house without being caught. Thinking about how to improve your yard security will significantly reduce the chances of being burgled.

Burglars don’t often carry much equipment in order to carry out a burglary. They only carry what is really essential as they want to be as swift as possible with their intrusion. Also, after they have burgled a property they don’t want to be caught red-handed with equipment that would be suitable for committing a burglary. So when a burglar is making an attempt at a break-in, they will look for items suitable to help them.

Take a look around your yard and remove, or lock away from view items that could in some way aid a break-in. Consider gardening equipment such as picks, forks and shovels. Your garden furniture could prove helpful for someone wishing to gain access to your upper floors as they can stand on the table. Obviously, don’t leave ladders lying around either. Make sure all of these items are locked up when not in use in a secure shed or outbuilding together with your hand tools such as screwdrivers, pliers and iron bars.

We like to grow trees, plants and shrubs in our gardens and yards. They provide a degree of privacy and look appealing as well as brighten up our yards. Some of these shrubs can in fact improve security, e.g. a thorny shrub under a window but if left to over-grow can cause a considerable risk to your security.

Burglars do not like to be seen breaking into a property so if they find a yard with overgrow trees and shrubs they will likely break in to that property as the shrubs provide ideal camouflage. Don’t make it easy for the burglar and trim any overgrown foliage that could provide concealment. Trim any trees that are close to your property as these could potentially provide a ladder to your upper floors

Once you have been burgled there is an increased chance of being burgled a second time, usually by the same burglar. The reason why that same burglar could come back again is that he knows the layout of your home, he knows the weaknesses of your home security and he knows that you will replace the stolen items when your insurance pays out.

If the burglar steals your TV, DVD player, computer, games console etc… then these will nearly always be directly replaced by a similar, if not better item. The thief will be rubbing his hands together when he pays you a visit a second time. From his first visit, he knows how your home is laid out. e.g. where to find your TV and computer which will make his second visit swifter.

The burglar may not have taken everything that interested him the first time. He may not have been able to carry all of your items. Time is of essence so he would have eyed up the rest of your valuables for his next visit.

It is unfortunate that homeowners do in fact get burgled two or three times if precautions have not been taken to prevent further burglaries. Burglars often get into your property by forcing a window or door. Next time round they will try the same window or door. Surprisingly homeowners don’t learn their lesson and don’t improve their home security after being burgled.

You need to make a review of your entire home security strategy. Look at your window security and door lock security. These need to be addressed first and fitting good quality locks and deadbolts locks for your doors will be a good start to improve your physical security. There are inexpensive options that can be done to further protect your property. Fitting external security lighting to illuminate your yard and garden will deter a burglar from getting close to your property. Always install this type of lighting in under-lit areas of your property.

If you have the budget then it is wise to install a burglar alarm system. There are many systems that are inexpensive so there is really no excuse in installing one. There are several options available from wired to wireless security alarms to monitored alarm systems. A wireless system is great for installing yourself. There is a wide and varied choice depending on your pocket but always choose the best security company you can afford.

The final option to consider is home security cameras and surveillance monitoring. Security cameras (or CCTV) are highly effective in preventing the opportunist burglar because of their appearance together with signage that often accompanies them. As burglars usually choose the easiest property to break into, a security camera will deter them as they obviously don’t want to be seen breaking in as the images captured would be used in a court of law to convict the burglar

THE TRUTH HURTS. A MUST READ FOR ALL FILIPINOS

Willyn Buena — Wed, 21 Oct 2009 17:25:00 +0000

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THE TRUTH HURTS. A MUST READ FOR ALL FILIPINOS

‘The Philippines is a nation of starstruck ignoramuses’

by Dero Pedero Of Philippine Star

Last July 23, I wrote about Nasty (short for Anastacio), a balikbayan from Los Angeles , who, while vacationing in Manila, had nothing to say but negative comments about the Philippines and the Filipinos. The article elicited a deluge of comments from our readers. Though some agreed with his curt observations, most were enraged at the repulsive way he acted and whined.

For me, he was the classic epitome of the ‘crow perched on a carabao,’ thinking and acting nauseatingly superior just because he has become an American citizen, inequitably comparing everything here to how they are in the first world. I was particularly irked by his repulsive ‘know it all’ attitude and peeved no end by his irritating Waray-American twang.

Those who have not read that article may access philstar. com and click archives, then select July 23 and click Lifestyle_. The article is entitled ‘Little Brown Americans.’

As a backgrounder, here is an excerpt:

The next day, I took them on a little city tour and accompanied them to do extra shopping at the duty-free shop. They were to leave two days later for their respective provinces (Randy is from Pampanga, Nasty, from Samar).

‘God, ang dilem-dilem naman ditow (it is so dark here)!’ screamed Nasty in his characteristic Taglish slang, ‘At ang inet-inet pa (and so warm)! * * *

All throughout the day, Nasty complained about everything. He griped that all Filipinos he encountered were dense and inefficient (I hope that didn’t include me!); that the traffic was horrendous and drivers ‘drove like they were late for their funerals’; that the pollution from the smoke-belching vehicles was irritating his dainty, surgically-pinched nose. He was disgusted that water closets didn’t work; horrified that there was no toilet paper in public toilets (‘God, how do you people do it?’ he bewailed); petrified by street children begging while soaking wet in the rain (‘Where are the parents of these kids?’ he nagged).

He moaned about the proliferation of slums, people crossing the superhighways (‘There should be underground or overhead walkways for pedestrians! ‘ he demanded), the potholes on the streets, the disgusting garbage and filth all over the city, and the annoying floods! And all these he observed in just one day!

Weeks after the publication of the article, I took Nasty’s silence to mean that of contempt and anger. I must admit that I didn’t care because I was really turned off by his arrogance. The good news is, Nasty has finally decided to break his silence and give us his side, loaded with a big piece of his mind. The bad news is, he hits more sensitive chords and it stings.

Nasty’s E-Mail :

Dear Dero,

My Zen master says, ‘Never fight fire with fire.’ So, I sat in a lotus position, imbibed the ethereal qualities of cool mountain water and stoically resisted the temptation of answering back to defend myself in rebuttal of your article. I kept quiet while you and your readers had a charlatan holiday, dissecting and fanning sarcasm on my every comment about your country and your people.

I am not mad at you for writing that piece. I was never upset at any point, even after your readers from all over the world e-mailed in their two-cents’ worth.. In fact, I found it rather amusing and carnival-like. I even felt happy that people still came to the defense of your Philippines!

If you noticed, I now refer to the Philippines and Filipinos as your country and your people. Every time I went back there for vacation, my Filipino-ness always took the better of me (blame those damn green mangoes smothered with bagoong!) and made me forget that I am, in all reality, what you aptly called a ‘Little Brown American.’ I have come to terms with my own identity- I am, after all, an American citizen carrying an American passport!

What precipitated my quick decision to sever my ties with your country (aside from your ***** of an article) were the Abu Sayyaf abductions (que barbaridad!) , the Payatas-like downslide of the peso (eat your hearts out, I earn sweet American dollars!), the ‘devoid of conscience’ graft and corruption in your government (this has gone on for the longest time-how shameful!), and lately, the stupid ‘Juetengate’ and juicy but enraging ‘Boracay’ mansion gossips. With all these, who would be proud to be a Filipino? Besides, to tell you frankly, those Erap jokes are no longer funny- they are passe and leave a bad taste in the mouth and heart.

No Apology

If I sounded brash and insensitive with the way I threw my comments, well, I cannot do anything about that because that is the way I am, and I offer no apology. Here, in America, you have to tell it like it is or you’ll never be taken seriously. I have learned to drop my ‘Pinoy sugarcoating’ because out here, you get nothing done if you are meek and sweet and pa-api. Hindi puwede mag-Anita Linda dito!

When I commented about your pollution, street children mendicants, slums, potholes, toilets that don’t work, garbage, floods, and most of all, the Pinoys’ chronic lack of discipline, I was merely putting into words what I saw. I can’t blame your being blind about your country’s situation. My Zen master says, ‘One cannot easily see the dirt in one’s eye.’

I am sure though that you are aware of those sordid details, but have grown accustomed to them (like most Manileños have). All the complaints I aired may have hurt your pride but what I wanted you to realize is this: The things I pointed out are all symptoms of a failing, falling nation!

Suffering A National Karma?

Could yours be a country cursed with a huge national karmic debt? It could be payback time, you know. Look back into your history, look deep inside your hearts-what could you have done as a nation to deserve this fiasco you are in today?

What you are faced with didn’t just happen overnight-it developed and grew into a monster in the course of time. Deeply imbedded in the psyche of the Filipino is the amalgamation of the characters and events that have impacted your lives – Dona Victorina, Dona Concepcion, poor Sisa as well the other hilarious and tragic characters of Dr. Jose Rizal…

Stonehill… the notorious gangsters immortalized by your Filipino movies like Asiong Salonga (hmmm!), et al…the killers in your (I thought they’d never end!) massacre movies..those cheap, appalling _title_s of your movies…those staged ‘religious miracles’ that your naive masses believed…. .family men with pushy queridas (mistresses) …your crooked politicians, undependable police officers and greedy customs collectors.. .your bribe-hungry court judges…Imeldific, gloriously smiling and crying at the same time, bejeweled. (How very Fellini!)

What you are is the sum total of your history, your heritage and culture,your education, the crap that your press sensationalizes, the bad icons that your movies glorify, the artificial values your advertising extols, the bad examples your leaders and role models project. What you feed your country’s mind is what it becomes. You have become the ugly monster that you’ve created. You are now crying all the tears your sickeningly sentimental movies wailed out for years and years!

Your Biggest Fault

If there is one thing that comes to mind, I think your biggest fault would be your individual greed. ‘Ako muna!’ seems to be the national mantra. The trouble is, very few people think for the common good in a deplorable ‘to each his own kurakot’ festival. Coupled by your crab mentality of pushing down others, this can be fatal. You think barangay, not national. Hello, everybody else around the world is thinking global! Europe is unshackling her national boundaries while you are building fences around your nipa huts.

Do yourselves a favor and look at your nation as a ship. All of you are in it and it is sinking! Realize your oneness-what hurts your brother hurts you, too. Think about the future of your children and the succeeding generations, and do something about it quick before your poor little banca plunges forever into the irretrievable depths of despair.

Star-Struck Nation

You are a nation of star-struck ignoramuses. You are easily awed by your movie stars who are usually nothing but uneducated, aquiline-nosed and light-skinned ******** picked up from some gutter somewhere. I have seen what these artistas illusionadas can get away with. They just flash their capped-tooth smiles and policemen let them get away with traffic violations; they bat their false eyelashes and customs officers impose no duty on their suspicious balikbayan boxes.

Worst of all, with the Filipino movie industry taking a nosedive, hordes of actors and show personalities went into politics. It is, as they say, the next best ‘racket’-there is more money to be made in the politicking business than in show business! (And what is this I hear that in the coming elections, more are jumping into the arena? Mag-hara-kiri na kayo!) How can you expect these comedians and actors, who only know how to take directions from their directors, to direct your nation? For them, politics will just be an ‘act’. No big surprise here, for they are mere actors with no original _script_s to speak, no original visions to share. So what can you expect but a government that is a comedy of errors. Serves you and your star-struck nation right!

My Zen master says, ‘Give unto Caesar what is due to Caesar, but keep Charlie Chaplin on the silver screen to make us laugh.’ To survive, you must teach your citizenry to say no to three things – no to drugs, no to stealing and graft and corruption, and no to artistas in politics. I hope you’ve learned your lesson by now. (Yours is the onl y country where Mexican soap stars are received like royalty in the presidential palace. How shoddy! God forbid-Fernando Carrillo might end up being your next president. At least he has great abs and doesn’t wobble like a penguin when he walks!)

For those artistas who honestly believe that they can make a positive difference in the Filipino masses’ life, they must first study law, business and public administration, and immerse themselves in the life and passion of Mother Teresa. Politics is not an art for dilettante artistas to dabble in. It is called Political Science,’ hello?!

Educate Your Masses

Educate the masses – especially your electorate. What you need is an intelligent vote aside from, of course, intelligent candidates. The University of San Carlos in Cebu City, founded in 1595, and the University of Santo Tomas in Manila, established in 1611, are the oldest universities in Asia, and are even older than Harvard. But the standard of Pinoy education has deteriorated so much that the Philippines ranks among the poorest in the educational hierarchy of Asia. Education, education, education – that’ s what you need in this age of information, information, information. .

If all your social, religious and political sectors don’t sit down now and decide to take the Right Way, the Philippines and your children’s children will be grand losers in the worldwide rush to the future. Education is one sure way to salvation. Teach what is right, good, beautiful and beneficial. Downplay all negativity if you cannot eliminate it altogether.

The Ideal President

I’ve got news for you. (As if you didn’t already know…) No matter whom you put up there as your leader or president, it will be the same banana. Even a holy man can turn into another J.E. (Judas Escariot) for a few pieces of silver. Kumpares, alalays, relatives and cronies will encrust like flies and maggots on his cordon sanitaire. And it will be the same despicable ‘Sa amin na ‘to!’ hullabaloo all over again.

Take an advice from Aling Epang: ‘Pumili ng matanda, mayaman, mabait, at madaling mamatay.’ Get a president who is old – so that he is full of wisdom, rich – so he won’t need to steal more money, goodhearted – so he will render heartfelt service to his people, and is in the sunset of his life – so that he will think of nothing but gaining good points to present when he meets his Creator. And may I add: At iisa lang ang pamilya! This is, of course, asking for the moon. Just pray fervently for an intelligent leader with a pure heart who genuinely loves the common tao!

Magpakatotoo Kayo! Wake up and look at the real you. Enough with looking at your reflection in glorious, self-embellishing mirrors. The tropical sun can play tricks, you know. Do not wait for darkness to fall before you take that much-needed long, hard look at your real situation.

Magpakatotoo kayo, ano? This isn’t a wake-up call – it is the final alarm!

Save the ship while you still can. Don’t wait till your people have no more dreams left to hang on to, no more hope to sustain their broken spirits. I came home, spent my penny-pinched savings so that even in the minutest way I could help your bruised economy. Your politicians sit on their fat, farting butts and get balatos (kuno!) in the millions. Receivers are as guilty as the givers. Now, tell me, who is really nasty?

I Have Made My Decision; So Should You.

My Zen master says, ‘Life is all about decisions, not choices.’ I have made a decision which I know will be very hard for me to keep- You will never hear from me again (not in this vein) and I will not even think of visiting or buwisiting your Manila ever. This is my way of letting you know that I have given up on you. Bahala na kayo! Only you can help yourselves because at the stage you are in, nobody would want to help you. My Zen master says, ‘You have to fall to learn to rise again.’

How much lower do you want to go?

Anyway, regarding the Philippines as a tourist destination, you have a lot of cleaning up and face-lifting to do before foreigners would dare go to your islands again. The Abu Sayyaf episode has done your tourism industry more damage than you could ever imagine, and it will take a long time before the world forgets. (By the way, your tourism projects are lusterless and have no global impact. If you want real business, spruce up your infrastructure and do aggressive marketing on the World Wide Web!)

Of course, I would gladly reverse my decision if someone offered me exclusive lordship over lotto, bingo, jueteng, pintakasi and the jai alai.Think about it: this will be to your advantage because I never give tong or blood commission to anyone! (If only your president used the millions he received from those gambling lords to build homes for the masses, you wouldn’t have any more squatters. Huling hirit: defrost those Marcos billions, pay off some debt, place the rest in high-yield investments, feed your hungry, and spread bounty and joy to every Filipino! Are you stupid or what? – That’s your money sucked from the blood of your people!)

My Zen master says, ‘Vox populi is not always the voice of God.’

Come over to L.A and I’ll show you a great time!

Our friend Randy says hello! We will be going to Vancouver to feast our eyes on the colors of autumn. Wish you could join us.

The new Miss America, Angela Perez Baraquio, is of Filipino ancestry. Dero, her parents hail from Pangasinan just like you! But keep in mind that she is an American (in case some wise fools over there claim her to be Filipino like they always do whenever someone becomes successful). Wait for the girl to say it, don’t put words in her mouth!

Mabuhay kayo (SANA)!

Sa totoo lang, MAGDUSA KAYONG LAHAT!

(Don’t you just love my Waray-Kano accent?) He-he-he!

I have made my decision, now make yours. I would hate for the day to come when I’d have to say, ‘I told you so!’ Good luck! (You need it.)

An ex-Filipino

J. Anastasio

‘Nasty’

My Short Reply :

Dear Nasty,

Thanks for your e-mail. I swear you sort of stole the words from right under my tongue. Now, I am utterly speechless.

Send my regards to Randy. Wishing you the best!

God Bless !

* end*

My Coin Album

Willyn Buena — Tue, 20 Oct 2009 17:39:00 +0000

To Money , Business and Investing

Willyn Buena — Mon, 19 Oct 2009 00:43:00 +0000

Robert Kiyosaki’s audio series, Rich Dad Secrets: To Money, Business and Investing…and how YOU can Profit from Them! gives us two basic options. We can choose to spend the rest of our lives working hard for our money, or actually make a shift in perceptions and have our money work for us. The choice is ours.

During the program Robert will take you through a series of ideologies that will most likely stretch your perceptions of financial security, investing, economic planning and the conditions of the current marketplace. Some of his financial theories greatly oppose the views of the majority, but as Robert asserts, 90% of the people have a mindset that puts them in a position of owning only 10% of the marketplace. Meanwhile the remaining 10% of the public actually own 90% of the marketplace. With Robert’s proven track record as a multimillionaire and the mindset of the rich 10%, it may serve as a thought-provoking exercise to listen to his theories and open our minds to new possibilities.

SESSION 1: What My Rich Dad Taught Me About Money

In Rich Dads Secrets: To Money, Business and Investing…and how YOU can Profit from Them! Robert Kiyosaki gives insights into the socio-economic history of the world from pre-industrial age. He cites historical events that have shaped our beliefs and the climate of the financial world up to the current information age. Weaved throughout his inspiring and thought-provoking stories, Robert gives you specific strategies and action steps that will lead you into the mindset of the rich.

1. What are your current beliefs and perceptions about money? (For example, if you work hard, you will have money.)

2. What industrial-age rules do you still hold onto?

3. What are your ideologies about the relationship between an education and money?

4. What are your current beliefs about money and risk? (For example, you can’t afford to take risks.)

5. When budgeting, do you make a point of always paying yourself first?

6. Do you currently follow the Poor Dad’s beliefs in the left side of the quadrant (where one acquires a safe, secure job where they work to get paid, etc.) or the Rich Dad’s beliefs in the right quadrant (big business and investing to acquire money)?

7. Discuss your viewpoints on Robert Kiyosaki’ s “Five Cultural Myths About Money.”

1. It’s best to go to a good school, then get a safe, secure job.

2. If you work hard, you’ll earn more money and get rich.

3. You are safe and making a good investment when putting all the money you can into your 401k Retirement plan.

4. Get a good education at a prestigious university, and then you will be secure and rich.

5. Buy a house; it’s definitely one of your greatest assets.

8. Robert’s Rich Dad saw “affluenza” as an obstacle to financial freedom. Do you suffer from affluenza? If so, how? (Do you have to keep up with the Jones’, owning a fancy house? Having credit card debts? Living high on the hog?)

9. Take a moment to list your current assets and liabilities in the space below.

Assets:

Liabilities:

SESSION 2: The Cash Flow Quadrant

Observe and study the quadrant below and the descriptions of each segment.

E (Employee): “I’m looking for a safe, secure job with insurance and benefits”

Core characteristics: Driven by fear, need for security

S (Self-Employed): “I’m going to charge you $100/hr” or “my commission is 6%”

Core characteristics: Independent, distrusting, satisfied, highly specialized, solo

B (Business or Big Business): “I can leave my business for a year and it will run itself”

Core characteristics: I own a system, not a job; I hire others to work for me

I (Investor): “What’s my return on an investment?”

Core characteristics: Invest in B quadrant businesses; unattached to financial losses or gains

10. Which quadrant(s) do you currently inhabit?

11. From which quadrant does your cash flow come from?

12. Based on Robert Kiyosaki’s theories, explain the difference between financial security and financial freedom.

13. Based on Robert’s teachings in Session 2, what are your current core values? Security and comfort OR to be rich?

SESSION 3: Why You Should Never Work Another Day In Your Life

14. What are your beliefs about the ideology that “it takes money to make money “?

15. Do you believe that you live in a world that is abundant or lacking?

16. Have you had any “would have, could have, should have” experiences? What are they?

What might you have done differently?

17. Do you have any “handcuffs” currently keeping you in the left quadrant? If so, identify them.

18. If you were to take on a part-time job or studies to aid you in stretching yourself into the right side of the quadrant, what would it be? Please be specific.

SESSION 4: Priming The Pump: Preparing Yourself Emotionally For Wealth

19. How do you manifest your money addictions?

20. Do you have the “big picture” mindset of the big business owner or the “narrow picture” mindset of the employee or self-employed? Are there any active baby steps you could take to stretch this perception further?

21. Based on the theory “Do what you love and the money will follow,” what is your passion(s)?

Could you look at the bigger picture and turn that passion into a financial freedom venture?

22. Based on Rich Dad’s teachings about “risk ” and “risky, ” what have been some of the financial mistakes you’ve made in the past? What was the “magic” you gained from this experience?

23. Robert suggests that you begin your journey to financial freedom by taking baby steps. During the next two weeks, try to take some small steps toward taking more intelligent risks in your life each day and note them below. Even if these steps seem very minor, it is important that you note them and credit yourself for the action you are taking. Do not underestimate the value of this exercise! {Continued on next page)

Day 1 :

Day 2:

Day 3:

Day 4:

Day 5:

Day 6:

Day 7:

Day 8:

Day 9:

Day 10:

Day 11:

Day 12:

Day 13:

Day 14:

24. Robert’s Rich Dad taught him that being rich is a state of mind. He listed the emotional profile of each of the four quadrant groups as follows:

E (Employed): Security oriented; aversion to taking risks

S (Self-employed): Independent; tendency to distrust others; “I do it on my own” attitude

B (Big Business): More patient; generally a higher level of emotional control; greater ability to see the bigger picture

I (Investor): Greater risk-taker; emotionally detached from winning or losing

Your emotional IQ and how you deal with fear is imperative in your shift toward financial freedom. List below some of the key fears you have faced and conquered in your life.

25. What fears are you currently prisoner to?

26. Based on this new information, what fears can you now choose to overcome to gain more confidence and greater financial freedom?

THE STEPS TO FINANCIAL LITERACY

Listed below are the seven steps to becoming a “B” or an “I”.

I. Mind Your Own Business

II. Take Control Of Your Cash Flow

III. Know The Difference Between “Risk” And “Risky”

IV. Decide What Kind 0£ Investor You Want To Be

V. Seek Mentors

VI. Overcome The Obstacles To Wealth

VII. The Power 0£ Faith

SESSION 5: Step I – Mind Your Own Business

27. Robert Kiyosaki asserts that constant upgrading of your education is imperative to sustaining financial freedom, especially in the age of the computer and constantly changing technology. Are you computer literate and familiar with the most recent technologies?

What action steps can you take to become further educated in these areas?

28. Are you an over-achiever? Give five examples of how you over-achieve in your life.

How can you turn these over-achievements into under-achievements?

SESSION 6: Step II -Take Control Of Your Cash Flow

29. At this point in the series, Robert discusses three types of income: Earned, Passive and Portfolio. Earned is the most highly taxed, generally employment income. Passive income is least taxed, providing the greatest tax advantages, for example real estate earnings. Portfolio income comes from stocks, bonds, mutual funds and savings.

List below your Earned, Passive and Portfolio based income.

30. Robert’s Rich Dad instructed him that the less involved you are in your business, the richer you will be. Below, he lists the assets that don’t require your presence:

A. Businesses

B. Stocks

C. Bonds

D. Mutual Funds

E. Income Generating Real Estate {commercial, residential, raw land, etc.) F. Notes or IOU’s

G. Royalties from Intellectual Property {books, games etc.)

H. Anything Else That Produces Value (collectors’ items such as Beanie Babies, stamps, coins etc.)

ACTION STEP: Based on each of the above categories, list below all assets that put money in your pocket on a weekly or monthly basis:

SESSION 7: Step III -Know The Difference Between “Risk” and “Risky”

I. Take Control Of Your Cash Flow

31. At this point in the series, Robert gives us the example of the single mother who is penny poor with a garage full of children’s toys. He points out that it requires discipline and prioritization to acquire financial freedom. He suggests that we first buy assets, then with those assets we can afford to buy our liabilities. He reminds us that our house is not an asset as long as we are putting money into it for upkeep without acquiring anything from it (such as monthly rental payments from tenants).

ACTION STEP: Analyze the following Income Statements and mark which economic class each is indicative of based on the cash flow patterns of the

Which of the above Income Statements most resembles your current financial status?

Now, ask yourself if you are in control of yourself mentally and emotionally. State below how you can change your current status. If you cannot come up with a plan, make the choice to seek the help of an accountant or financial planner.

If you have the CASH FLOW game, take the time to play it and familiarize yourself with it.

32. Roberts asserts that knowledge is integral in the development of financial freedom. If you are not educated in the areas of investing and finance, you should educate yourself to become so. He suggests that you take the following steps:

ACTION STEP: Take the time to read business and financial newspapers such as The Wall Street Journal or The Financial Post tune into the financial news on the television or radio, make a point of listening to financial educational programs such as Nightingale-Conant audiotapes.

List below the resources that you utilize to further educate yourself in the areas of finance and business.

SESSIONS 8 & 9: Step IV -Decide What Kind Of Investor You Want To Be

33. In this session, Robert describes the Seven Levels of Investors. He lists core values as being a need for security, the desire to be comfortable (e.g., a summer home, second car, and the drive to be rich. He reminds us that money is a mental, emotion- al, spiritual idea and that one has to be willing to become insecure or uncomfortable to become rich. When Robert was ready to make that decision, he was able to accommodate all three core values and find success and freedom, but not without initially risking his security. The Seven Levels are as follows:

1) Those with nothing to invest -often have no investments, few assets, and live from paycheck to paycheck.

2) Borrowers -often have little or no investments, few assets, and have credit card or other outstanding debts. This person borrows to solve financial problems.

3) The Saver -invests a small amount of money monthly on a low-interest plan.

4) The Smart Investor -has an awareness of the need to invest. They don’t speculate and don’t do IPO’s, derivatives or day trading.

5) The Long Term Investor -is an insider on the deals. Their investments usually start with real estate, they understand financial statements, actively invest and cut their own deals, are good negotiators, are quite sophisticated and tend to work on their own. They have an ability to see the bigger picture and hidden opportunities that they can benefit from. Robert stresses the importance of good negotiating skills and reminds us that “your profit is made when you buy, not when you sell.” He states that anticipating potential escalation in value is speculative. The profits should be clear and obvious during the purchase or the purchase should not be made.

6) The Sophisticated Investor -has excellent cash flow management skills, is very focused on their investments (does not widely diversify), is knowledgeable about tax and investor business laws, can read financials and has a good team of accountants and attorneys. They are not concerned with capital gains, but more in how money can flow into their pocket with as few taxes as possible. They have cleverly worked their finances so that they can move with the marketplace, thus are happy with market crashes as well as growths. They have the know-how to utilize “puts” and “calls” to ensure balanced

gains and losses in their investment choices. They have excellent management skills and do not put all of their income in one trade.

7) The Capitalist -does not need to use their own money to attain financial gains; they learn to use other people’s money and other people’s time on their behalf.

ACTION STEP: Make a definitive decision as to whether you want comfort and security in your life or whether you want to be rich. If you choose comfort and security, you could attain a Level 4 or 5 on the scale. In order to attain these levels, you need a solid financial plan, insurance and sound advice from a financial planner. In order to attain Levels 6 and 7, you need to dream, have drive and dedication along with a “willingness to win”. Take an honest look at the 7 Levels and find out where you are. Then ask yourself where you want to be. Which level are you at currently? If you want to get to a higher level, list below the steps that you will take to get there.

34. Remember the old adage, “birds of a feather flock together”. This holds true in the world of finance. List six people you spend most of your time with. Beside their name, note the quadrant that each of them inhabits (E-, S, B or I). Now that you’ve made a decision about your future, are those you spend time with in alignment with your financial goals? If not, how can you make this transition?

SESSION 10: Step V -Seek Mentors

35. Robert’s Rich Dad taught him that in order to stretch his income, he needed to be willing to stretch his knowledge, keeping an open mind to new and innovative ideas. It is very important that we seek mentors who can aid us in our growth. Anyone who wants to gain wealth must have the vocabulary to effectively communicate with those who are wealthy and financially educated.

ACTION STEPS: Find tapes or books by some of the wildest thinkers. Seek out thinkers who do not align with your way of thinking. Open your mind to alternative percep- tions. Robert tells the story of how his Rich Dad made him work for nothing. He encourages you to do the same. Do volunteer work, what Robert deems as II sweat equity” for a company. As you do so, note all that you can on how finances are man- aged. You can learn from both the good and the bad habits. We can learn from every- one around us. List below mentors you have had in the past. Then list potential men- tors that you believe could benefit your further financial growth.

Step VI -Overcome The Obstacles To Wealth

36. In this session Robert Kiyosaki lists the obstacles one must overcome to attain financial freedom. He reminds us that we must find our strength by looking within. We will not find it outside ourselves. He lists the six greatest emotional obstacles to overcome as the following:

1) Fear (False Evidence Appearing Real) -Do not let the fear drive you away from your dreams.

2) Cynicism- Open your mind to what “could be” as opposed to what “is not. ”

3) Laziness -Transform the lazy idea “1 can’t afford it” into “how can I afford it.”

4) Bad Habits -Recognize your bad habits, then take the necessary steps to change them.

5) Arrogance -Ego plus ignorance equals arrogance. Note the difference between arrogance and confidence. If you have actually done something, then you are not bragging. You are simply confident.

6) Disappointment- To overcome disappointment, you should

a) Expect to be disappointed

b) Have a mentor who supports you

c) Be kind to yourself! Failure is something we have done, it is not who we are. d) Tell the truth. It is necessary to accept responsibility for our mistakes without justifying them. e) Don’t quit!

ACTION PLAN: Be honest with yourself and list below any of the above obstacles are keeping you from becoming financially free.

What steps do you need to take to overcome the above obstacles in your life?

To start learning about investing, begin by putting a small amount of money down on the deal. As you do so, your intelligence goes up. List below the investments you make. What have you learned from the experience?

SESSION 11: Step VI (Cont) & Step VII -Overcome the Obstacles to Wealth & The Power of Faith

37. Robert shares a reminder about the abundance that surrounds us in nature. He recognizes that God wants our lives to be abundant, that there is no lack to be found in a beautiful sunset. He suggests that instead of following the dogma of others, we look to nature for the truth and note that there is plenty of abundance there. We often find ourselves lying or making excuses for the lack in our lives.

ACTION STEP: We often create lies to avoid change in our lives. For example, the reason I can’t be rich is…my wife is a big spender…I don’t have the time or I’m too old to return to school…it’s too late to make changes in my life…my parents never supported me, etc. Write down some of the lies that you have had running your life.

After writing them, take the time to review them and laugh at yourself. Then face them. With honesty and humor you will start to heal them.

SESSION 12: The Choice Is Yours: What My Rich Dad Would Tell You

38. Robert leaves us with a reminder that we should always maintain the qualities of Integrity, Honesty, Morality and Ethics when pursuing our financial dreams.

Review all of the teachings that Robert Kiyosaki has shared with you in this program. List below the highlights that most profoundly affected you and the action steps that you plan on taking to make your desired changes.

The views expressed in this workbook and on the tape are solely those of the author: Both Nightingale-Conant and Robert Kiyosaki recommend that you seek the advice and counsel of a professional lawyer and financial planne1:

SAPALO CLAN

Willyn Buena — Mon, 19 Oct 2009 00:09:00 +0000

SAPALO CLAN

Nanay Rebecca

(Rebecca DeCastillo Dedel )

Tatay Itong

(Agapiton Alcantara Sapalo Sr. )

1. Aunty Rose Sapalo + Uncle Canda

> Jerry Boy

> Jason

2. Mama Bebot Sapalao + Willy Buena

> Willyn

> Grace + sylberto Reganon = Kevin Cristoff & Kristina Cassandra

> Hazel

> Ivy Jel

> Louella Eva (Darling)

> Rebecca Isabel (Bobeedee)

> Princess Alexia

3. Aunty Minda Sapalo + Uncle Aldy Estrella

> Madelyn = Pauline

> Brenda Mae

> Aldy Jr. (Bajhun)

> Almin Joy

4. Uncle Toto Sapalo + Aunty Marisa Hinlayagan

> Christian Jade

> Christin Joy

5. Aunty Ging2 Sapalo + Uncle Toto Gonzaga

> Jay Lawrence

> Joren

> Jayra Florin

6. Aunty Aida Sapalo + uncle Borotoy Lopase

> Karl Aireel

> Kzia Aira

7.Aunty Gina

8. Aunty Annie Sapalo + Uncle Benben Gementiza

>Bea Maureen

> Benz Louie

9. Aunty Mayang Sapalo + Koike

> Hideki Koike

10.Uncle Daniel Sapalo +Aunty Hazelyn Ternio

> Dansoy

Techniques for Overcoming Stress

Willyn Buena — Sun, 18 Oct 2009 21:45:00 +0000

Prolonged periods of stress can ultimately lead to heart attack, stroke, or other serious medical conditions. If you find that you are unable to get your stress under control by practicing preventive measures, you may need to take stronger measures and make significant lifestyle changes before you end up with a serious condition.

When you are extremely stressed, avoid making major life decisions, such as switching careers or jobs, getting married, or adopting a child. Wait to make such decisions when you are feeling better and your stress is under control.

Overcome Stress

Willyn Buena — Sun, 18 Oct 2009 21:43:00 +0000

There may be times when your stress level gets out of control in spite of your preventive efforts. Developing strategies for overcoming stress will help you get your perceived demands and coping capabilities back in balance so you can be healthy and productive.

Preventive Measures

Willyn Buena — Sun, 18 Oct 2009 21:42:00 +0000

Preventive measures are actions taken to ward off the occurrence of something. You can take preventive measures to reduce or eliminate some of the stress in your life. These measures will help you increase your coping capabilities so that you will be more prepared to face the demands placed on you.