Inspiring Salary Quotes

September 20, 2012 Leave a comment


My favorite quotes about our salary.

1. “The less a man knows the bigger the noise he makes and the higher the salary he commands.” -  Mark Twain

2. “If is difficult to get a man to understand something when his salary depends upon his not understanding it” – Upton Sinclair

3. “It’s not your salary that makes you rich, it’s your spending habits.” – Charles A. Jaffe

4. “Definition of a competitive salary: We remain competitive by paying less than our competitors” – Anonymous

5. “Some idea of inflation comes from seeing a youngster get his first job at a salary you dreamed of as the culmination of your career” – Bill Vaughn

6. “A steady salary is an invitation to mediocrity” – Anonymous

7. “Money won’t buy happiness, but it will pay the salaries of a large research staff to study the problem” – Bill Vaughn

8. “A horse cannot gain weight if not fed with extra fodder during the night; a man cannot become wealthy without earnings apart from his regular salaries.” – Chinese Proverbs

9. “I began to realize how simple life could be if one had a regular routine to follow with fixed hours, a fixed salary, and very little original thinking to do.” – Roald Dahl

10. “The more they applaud, the bigger your salary will be.” – Anna Held

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Inspiring Job Quotes

September 10, 2012 Leave a comment


Just want to share some of my favorite job quotes. These inspiring quotes somehow gives me a mixed emotions (love and hate relationship) with my job.

1. Choose a job you love, and you will never have to work a day in your life. – Confucius

2. Recession is when a neighbor loses his job. Depression is when you lose yours. – Ronald Reagan

3. A lot of people quit looking for work as soon as they find a job. – Zig Ziglar

4. I think the person who takes a job in order to live – that is to say, for the money – has turned himself into a slave. – Joseph Campbell

5. Don’t blame Wall Street, don’t blame the big banks. If you don’t have a job and you are not rich, blame yourself! – Herman Cain

6. It is easier to do a job right than to explain why you didn’t. – Martina Navratilova

7. The best way to appreciate your job is to imagine yourself without one. – Oscar Wilde

8. All paid jobs absorb and degrade the mind. – Aristotle

9. We must start with the reality that corporations cannot guarantee anyone a lifetime job any more than corporations have a guarantee of immortality. – John Snow

10. A man who works with his hands is a laborer; a man who works with his hands and his brain is a craftsman; but a man who works with his hands and his brain and his heart is an artist. – Louis Nizer

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What Motivates Me To Invest?

September 5, 2012 2 Comments


To achieve our goals, we need some motivations. These motivations help us reach our goals in lesser time.

Let me share you some things that motivates me to invest regularly.

Early Retirement

Retiring early is my first goal. Before I join the corporate world, I told myself that I want to retire at an age of 40. But as time passed by and I will be forty in 3 more years, I guess my retirement basket was not yet enough to sustain my day to day expenses. Anyway, I think it is still not bad to retire at the age of 50.

Pride and Financial Independence

Every time I think that money is working me, I feel this great sense of accomplishment and pride. I feel good that my money serves me and not enslave me.

Charity

After I achieved my financial independence,  I hope that one day, I will be at a point where I don’t have any financial obligations that I have to worry about, and I will be able to spend most of my time volunteering or donating some of my money to charity. This idea of giving back keeps me more motivated.

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Planting Money

August 13, 2012 Leave a comment


Out of frustration, there are times I was thinking what if I discover a plant that bears money as it fruits. Anyway, if this will become a reality the most indemand profession will be a farmer. (Also, imagine if money will just be planted, I think all the business district in the world will be located in the agricultural area.)

Suddenly, I realized that I already did planting money. Every little amount that I invest every time I get my paycheck is the money that I have planted. And when the time is ripe, it is an abundant financial harvest.

As I said before, every single peso that we hold is a seed to our financial future. Start planting money now to have a strong financial foundation in the future.

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Discipline and Sacrifice

April 30, 2012 1 Comment


For an OFW like me, investing requires discipline and sacrifice.

To achieve financial independence, I need a discipline to manage my finances and keep a certain amount of money on my investment.

Of course, aside from discipline I should do some sacrifices like making a limit in dining out, watching movies and other entertainment or leisure that requires a big amount of money.

There were times that I was asking myself why I was doing these. Sounds like I was punishing myself, isn’t it?

I think it is true that in order to achieve Financial Independence, you have to live a few years of your life like most people won’t, so that you can spend the rest of your life like most people can’t. These phrases keeps me going in my journey to financial freedom.

For me, I am willing to trade few years of my life living with financial discipline and sacrifice, and spend the rest of it with fulfillment and happiness.

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Simple but not Easy

February 26, 2012 1 Comment


Just come to my senses, and realized that  Investing and Saving is simple but not easy.

In my quest for encouraging my fellow OFW to invest and save, I always say that investing and saving is simple but it never came to my senses and forgot to tell them that is not easy.

Actually, there is a big difference between simple and easy. When I say simple, it’s not really mean that it is easy.

Let’s say you are planning to invest an amount of 5000php every month. This plan sounds very simple, isn’t it?

But having the discipline of setting aside 5000php every month for investment is not that easy  because, putting this plan into work will require great discipline. I think no one will argue about it, actually it is easy to spend the 5000php for shopping rather than investing it.

I think this is the reason why only few people  are keen to investing and saving.

Anyway, every choice we make has an end result, and if we have a discipline to save and invest, the road to financial freedom is within our reach.

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Quote:

If you want to reach a goal, you must “see the reaching” in your own mind before you actually arrive at your goal.  – Zig Ziglar

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Mr. OWEsome to Mr. Awesome

February 22, 2012 1 Comment


Every week days, waking up early and going to work is like a heavy burden. Actually, the one big reason that keeps me going or inspires me to go to work is the fact that I have to pay something. I have to pay for my house loan, for my kids school, for utility bills, insurance, foods, entertainment etc. etc.

Sometimes I called myself Mr. OWEsome. Why Mr. OWEsome?

I am Mr. OWEsome because, every time I get my paycheck I have to pay some that I owed.  Hate to admit it but it is true, and I think that I am not the only one living on a paycheck to paycheck scenario.

And with my 8 hours fixed income job as primary source of income, there is no other option but to work hard (even harder sometimes). Actually there is a huge difference between working because you need it, than working because you love it. But most of the time, we have to work because we need it.

Of course, I don’t want to live as Mr. OWEsome for the rest of my life, and I wanted to be free from my wage slave job.

I promised myself that few years from now my identity will change from being Mr. OWEsome to Mr. Awesome. (To give a short description of Mr. Awesome, he is a financially free person, who don’t work for money because money is already working for him.)

Easier said than done, but being Mr. Awesome takes a long and sometimes a painful process.

And how will I become Mr. Awesome?

By regularly investing mixed with disciplined spending, I am very optimistic that few years from now I could buy myself a freedom from my wage slave job and financial bondage.

Every time I imagine myself being free from a stressful corporate job , because I have an investment that can handle all my financial obligation is awesome.

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What I’ve Learned From Blogging?

January 16, 2012 Leave a comment


It’s been 8 months that I was blogging by convincing Filipinos that investing is one way of making wealth, and at the same time helping our country. Actually, for this short period of time, blogging taught me a lot of things.

To enumerate, below are things that I’ve learned from blogging.

  1. Be Patient – before I started this blog, it never came to my mind that readers/visitors of this blog will have some comment. Of course, a good comment is definitely most welcome, but believe me there are some that will get into your nerves.  Normally, I have a short patience especially if I read some non appreciating words, but blogging has taught me how to handle this kind of situation.
  1. Be Responsible and Accurate – as a blogger, I understand that I will be held responsible for all the articles that I have posted so I make it sure that it is accurate. I was not saying that all the content of this site is 100% correct but, I am trying all my best to make it accurate. Of course, I will be happy to correct it if you found something wrong on some content of this blog.
  1. It Is A Continuous Learning – in my quest to write a good and interesting article, I was reading a lot of investment books, attending different investment and financial literacy seminar. Actually, I just come to realize that blogging is twice learning.
  1. It Is Fun – Honestly, I go into blogging because I heard a lot of story about bloggers earning more money and for that they don’t need to go to work. However, there are other things than making money from blogging. It is  fun, because it is one of the places where I can share my thoughts to the world. Sometimes, I even share my frustration thru it.
  1. Learn How to Care for the readers – Actually, I received an offer from some networking companies in the Philippines asking me to publish some articles about their companies. Normally, this article is about the success stories of their members (rags to riches stories) that are somehow impossible to believe. (Honestly, I have a bad experience with a networking company before so I don’t publish their article.) Although, this site has only few followers, it feels good knowing that I don’t present them to a potential scam.
  1. Freed me from playing PVZ games – Hate to admit it, but I was obsessed with the PVZ (Plants vs. Zombie) game. It is game where a zombies attack your house and you have to depend it by shooting peas on them. Since, I need to write a fresh article for my blog regularly, my obsession for playing this game was lessen until I quit. (I don’t want to offend the PVZ game developer, but honestly this game is good.)

For an OFW like me, I think responsible blogging can be a good outlet to share my thoughts to other Filipinos, and a good way to relieve me of  stress.

I think there are lot more things to learn from blogging, and I am looking forward to learn more from it.

Happy BLOGGING.

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OFW Corner: The Remittance

December 28, 2011 1 Comment


This year World Bank forecast that the OFW Remittances will reach $23billion. Actually, this is higher than the Philippine Government forecast of $20billion. These humungous amounts made up 10% of our country’s GDP. Imagined where our country would be without these huge remittances. Right now, Philippines were ranked number 4 in terms of remittance recipient. (Number1 – India, Number2 – China, and Number3 – Mexico)

What is not included in these impressive $$$ amount is the cost of separation by leaving their children without the guidance of their father or mother, and the cost of loneliness and abuses suffered by some Filipinos working in a foreign land. This psychological cost could not be match by any foreign currency earned by working abroad.

POEA data shows that there around 10million OFW all over the world (WOW .. this is more than 10% of the total Philippine workforce).

Last November2011, I read news on Philstar and Inquirer (on the internet) in which P-Noy claims that the Philippine economy is now investment driven, and not very much dependent on the OFW remittance. I might be wrong, but contrary to what he said I think our economy is very much OFW remittance driven. Of course, I am not blaming P-Noy for the exodus of Filipino workers, and I know he cares. But as long as there are Filipinos working abroad to provide their family a better living, no administration have the rights to claim economic prosperity.

I am an OFW for more than 7 years, and I think that working abroad is a temporary approach to provide food and a better life to our family, while our economy is working its way. Sad to say that many decades had past and a gargantuan amount of remittances were sent home, and yet we have not seen the economic prosperity that we are waiting for.

This New Year, I hope and pray that our leaders will have a sense of urgency and political will to keep our economy up and going.

A Merry Christmas and A Happy New Year to all Filipinos working abroad.

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Where you are and Where you’re going?

December 12, 2011 2 Comments


There are a lot of people who don’t want to invest their money in stocks, bonds or other investment instruments because they were scared or rather want to enjoy their money now.

I know a lot of people who don’t want to invest because they don’t want to wait for ten years or more to be rich but instead they would rather enjoy spending their money now by buying luxurious things that didn’t appreciates its value, dining on expensive restaurant, etc, etc.

The silly concept about this old school thinking is that the odds are against you. Are you are going to be alive in ten years or more? I guess the right question right now is whether or not your financial status will be better off after ten years of excessive spending (without any saving or investing).

Where we are right now is the result of the good or bad decisions  we have made in the past. If we want to set a brighter financial future for our life, why not start investing now.

Our lack of financial planning will surely lead us into disaster, and we can only blame ourselves for this financial misery. Where we are right now will not make any sense, if we don’t know where we’re going.

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