Part Time/ Full Time Job : UNO

A BIG OPPORTUNITY AWAITS YOU... YOU CAN CHANGE YOUR LIFE, YOU JUST NEED TO GRAB IT.
ARE YOU...

- a student looking for a part time job?
- unemployed and seriously looking for a way to earn for yourself and for your loved ones?
- an employee with not enough salary to sustain the need of the family?
- a retiree looking for a second career in business?
- an OFW tired of being away just to earn a living?
- a former OFW who wants to have a business
-a housewife who wants to support your family?
- in business but not earning enough?
- TIRED of not having FINANCIAL FREEDOM?
..OR SIMPLY YOU WANT TO ACHIEVE YOUR DREAMS!?!
well this is the opportunity that you’re looking for


• UNO Featured in Rated K - May 1,2011
• UNO featured in Kabuhayang Swak na Swak(ABS-CBN)(Jan 2011)
• UNO featured in Kabuhayang Swak na Swak(ABS-CBN)
• UNO featured in Umagang Kay Ganda(ABS-CBN)
• UNO featured in MOMents with Gladys Reyes(NET25)

just contact Mr. Greg @ this numbers 09285517095 (smart) o kaya 09174593082 (globe) then continue reading and be blessed....




This business can change your life.
Earn as much as P 10,000 to P 450,000 / month working part time or full time!

# 1 MULTI-LEVEL MARKETING COMPANY IN THE PHILIPPINES

10th GLOBAL EXCELLENCE AWARDS (GEA) 2008 Most Dynamic Business Opportunity Company
25ht ANNUAL CONSUMERS CHOICE AWARDS (CCA) Consumer-Based Products Company

w/ DTI , SEC , BFAD & HALAL permits

 Unlimited Network of Opportunities International Corporation (or UNO ) is a convergence of the finest network marketers in the country today as they offer new opportunities, conquer new challenges and welcome new partners in this impressive and generous way of extending help to millions of Filipinos here and abroad.

UNO is a dynamic marketing company engaged in the distribution of health enhancing natural products and other services that address the needs of modern living. UNO is ran by top network industry leaders whose credibility has been years in the making. In its forefront are top-caliber professionals and successful network marketers with several years of experience in leverage marketing. UNO takes on to deliver a performance breakthrough!

It is definite that UNO is poised to be among the major players in the industry of network marketing. All the vital elements to drive in a new curve of new markets and technologies are present. They equip every network marketer the convenience of simultaneously marketing fast-moving health and wellness products and providing educational-services hub in the form of online college review classes and mobile phone loading system.

It is very much in the interest of UNO leaders that today’s challenges be fulfilled without divisions and delays, and that is to SERVE THE NEW CONSUMER..

---

---

MISSION & VISION

Our Vision

From now on, UNO and its members will be looked upon as the finest, trustworthy and highly regarded network marketing group in the Philippines fulfilling the promise of a decent, healthy and prosperous future. 

 Our Mission

UNO is committed to our Build the People, Build the Business philosophy. Our mission is to provide first-rate products and services in the fields of health, technology and education in partnership with responsive and faithful network marketers.

---

BE A DISTRIBUTOR

 

How To Become a Distributor

• Simply attend our USO (UNO Sales Orientation)
• Purchase one (1) UNO product plan package
• Patronize UNO products, Services and Certificates (GC's)

Php 7,300 PLATINUM PACKAGE PLAN
1) Products package - (select the package you want)
2) Php 2,500 worth of GC
3) Php 120,000 Family Accident Insurance, 6 members of the family (Stronghold Insurance)
4) Sales kit (UNO paper bag, company brochures, product pricelist, video presentations, etc.)
5) Online Portfolio ( uno-corp.com)
6) 30%-50% discount on all the UNO products
7) UNO ID

   

   

8) Free trainings and seminars conducted by professional speakers
9) Travel Incentives
10) Business opportunity to earn Php 15,000/day, hence Php 450,000/month

 WAYS TO EARN

1. Direct Selling - Enjoy earning up to 50% retail profit when you directly sell UNO products and services.
2. Direct Sponsoring - Earn P500 Cash + P750 worth of Gift Certificate for every product package you sell.
3. Matched Sales (Pairing Bonus) - As a distributor, you are encouraged to build 2 groups: Left Sales Team (LST) and Right Sales Team (RST). Every time your account detects 1 sale in our LST balanced with 1 sale in your RST, you will earn P1,500 cash pairing bonus.
4. Unilevel Bonus - Enjoy rebates in your group sales up to 10th level.

---

---

UNO PRODUCTS:

1st Health Advance Care Tooth Gel
Content: Aloe Vera, Bee Propolis
Packaging: 130 g / Tube
SRP: P 198
Direction for Use : Brush teeth with UNO Advance Care 3 times daily after meals or as desired. Massage some tooth gel on gums with finger if brushing is painful. For best results, let the gel stay in the mouth for a few minutes before rinsing.

INGREDIENTS:
Sorbitol Solution, Hydrated Silica, Purified water, Glycerin, Sodium Lauryl Sulfate, Cellulose Gum, Flavor, Refined Ethyl Alcohol, Saccharin Sodium, Bee Propolis, Aloe Vera Extract, Menthol, Methyl Paraben, Propyl Paraben, CI 15985, CI 19140.

Aloe Vera is also used in dental complications such as bleeding gums and denture stomatitis. Gel from the Aloe vera leaf has shown good consequences in treating facial edema. Also good in eliminating bad breath giving us a naturally bright and radiant smile.

Bee Propolis is a yellowish-brown substance that honey bees collect from flowers and leaf buds and then bring back to their hive to help seal it and keep it free from germs. This resin-containing waxy substance contains over 150 naturally occurring chemical compounds that are rich in flavonoids, phenolics and terpenes.

UNO Bio-Magnetic Bracelets with Far Infrared (FIR)

Variants: Available in various designs
SRP: P7,000

Magneto therapy is the application of the magnets to the body to stimulates the nerves and create a better blood flow to various parts of the body. In turn, this helps the organs and glands to function better. Medicine itself is considered irrelevant as no medicine is orally fed or injected with magneto therapy. It is the natural way of stimulating your body.

Other Benefits:
• Blood Circulation
• Increase Body Metabolism
• Relieve Muscle Ache
• Increase Energy Level
• Ease Arthritic Pain
• Control Diabetes and High Blood Pressure
• Lowers Cholesterol

Immediate relief in common conditions:
• Arthritis
• Joint and Muscle pain
• Back ache
• Stress
• Period pain

1st Health 8 in 1 Coffee

Content: Agaricus Mushroom, Tongkat Ali, Ginkgo Biloba, Calcium       
Carbonate, Omega 3, Arabica Coffee, Non-Dairy Creamer
Packaging: (21g sachet) 20 sachets/box
SRP: P350
Direction for Use : Empty 1 sachet to a cup of hot water. Stir well.

Is a food supplement from premium Arabica beans roasted to perfection and combines the wonders of Agaricus Mushroom, Tongkat Ali, Ginkgo Biloba, Omega 3, Calcium Carbonate mixed with non-dairy Creamer & natural sugar.
The anti-oxidant properties of natural coffeeis boosted with the combination of Ginkgo Biloba which is known to improve memory and other cognitive functions. Tongkat Ali with its vitalizing effects, the immune- strengthening qualities of Agaricus Mushroom, Omega 3 DHA which is proven to reduce the risk of cardiovascular diseases.
All these help prevent, if not eradicate, occurrence of most common diseases towards a health and vigorous lifestyle.

AGARICUS MUSHROOM
Immune system booster Anti Cancer/ Anti Tumor Aids in weight loss lowers cholesterol level.

CALCIUM CARBONATE
Promotes bone formation, Prevents osteoperosis, enhances joint functions and activities, fortifies bone mass, strengthens the bones.

OMEGA 3
maintains cardiac rhythm, maintains flexible blood cells and vessels, reduces blood viscosity, reduceshigh blood pressure.

GINKO BILOBA
improves memory and other cognitive functions, enhances blood circulation to the brain & heart, helps reduce cardiovascular risks, used in treating cerebral insufficiency, senile dementia, Alzheimer's disease.

TONGKAT ALI
Aphrodisiac & improves sexual performance, vitalizes the body. Helps improve energy and increase stamina. Helps improve digestion , prevent tiredness, prevents high blood pressure, prevents high cholesterol.

1st Health Fit Right 150 mg Capsule

Content: Green Tea , L-Carnitine, Ampalaya
Packaging: 60 Capsules / box
SRP: P600
Dosage: Take 1 to 2 capsules a day with beverage / meal or as prescribed by a healthcare professional.

Studies suggest that ampalaya contains a hypoglycemic polypeptide, a plant insulin responsible for its blood sugar lowering effect. Other benefits suggest body detoxification (including removal of nicotine), strengthening of the immune system and fertility regulation. Increasingly recommended as a supplement to traditional therapeutic regimen for diabetes mellitus.

L-CARNITINE supplement helps to optimize acid oxidation and assists in the return to normal weight. L-CARNITINE plays a central role in energy metabolism. It is an important amino acid that can help transport fats to the muscle to be burned as energy thereby promoting better utilization of body fat. It may also aid in weight loss and improve athletic performance.

The secret of GREEN TEA lies in the fact it is rich in catechin polyphenois, particularly epigallocatechin gallate (EGCG). EGCG is a powerful anti-oxidant; besides inhibiting the growth of cancer cells it kills cancer cells without harming healthy tissue. It has also been effective in lowering LDL cholesterol levels and inhibiting the abnormal function of blood clots. The latter takes on added importance when you consider that thrombosis (the formation of abnormal blood clots) is the leading cause of heart attacks and stroke.

1st Health Glutathione New Light Formula Lotion

Packaging: 120mL/bottle
SRP: P212
Direction for Use : Apply liberally on the whole body at least twice a day. Re-apply for prolonged sun exposure.

Health First Gluta Lotion is created to whiten and protect your skin from harmful ultraviolet sun rays. Plus, it moisturizes and revitalize your skin.... making you radiant... making you desirable.

1st Health Glutathione Lotion protects the skin from harmful UV rays and lightens skin naturally.

Dermatologists tested and approved.

For best results: use 1st Health glutathione capsule and glutathione soap.


1st Health Pure Glutathione Capsule

Content: Glutathione 225 mg., Vit. C 100 mg., Vit. E 50 mg., Alpha-Lipoic Acid 25 mg.
Packaging: 30 Capsules / box
SRP:P1,300
Dosage:Take 2 to 3 capsules daily or as directed by a healthcare professional.

The nourishing benefits of Glutathione: Serves as powerful antioxidant to protect key cell components from damage by neutralizing these free radicals. It improves the cardiovascular and immune systems. It also detoxifies. Eliminates free radicals and peroxides. It repairs DNA synthesis, an important factor in the prevention of cancer (prostate cancer)

Amino acid transport - the steady schedule of amino acid in our body is necessary.
Immune system enhancement- the body like any machine weakens and deteriorates.
Enzyme activation - these protein molecules that possess catalytic activity needs pump priming every now and then to speed up chemicals reactions in the body and maintain its over- all healthy condition.


1st Health Glutathione Soap with Grapeseed Oil Extract

Packaging: 135g/bar
SRP: P128
Direction for Use : Use as a bath soap. Preferably let it stay 3-5 minutes on your skin before rinsing. For facial use, do not leave on face for more than 2 minutes.

The new product that comes in a bar soap is more enhanced to totally answer the need to ward off the imperceptible signs of aging, stress and harmful elements in our skin.

WHITENING & ANTI-AGING SOAP with three potent ingredients that make more wonders to beauty lovers.: ROSEHIP OIL, GRAPESEED & VITAMIN C

GLUTATHIONE: proven to diminish the skin imperfection, dark spots, and blemishes.

ROSEHIP OIL: works on fine lines and wrinkles and other natural or manmade marks on our skin. It has been proven that rosehip creates miracle specially in reducing pigmentation. Beauty experts attest to its powers. It moisturizes and revitalizes the skin by fixing damaged skin cells resulting in smoother skin.

GRAPESEED OIL: It has moisturizing and nourishing properties. Used by experts and beauty affecionados for hundred of years. Grapeseed oil which from the seeds as a by-product of manufactured wine is best absorbed into the skin and is good oil for acne and oily skin.

VITAMIN C: is of course man's best protection against common skin imperfection like acne, blackheads and etc. combined these four and you get the wonders of our NEW GLUTATHIONE SOAP.


1st Health Grape Seed Extract 150 mg Capsule

Content: Grape Seed Powder Extract 150 mg.
Packaging: 30Capsules/box
SRP: P600
Dosage: Take 1 to 2 capsules daily or as prescribed by a healthcare professional.

The Fact: Close to 2,377,987 fatal heart attack incidence every year. Modern living in the Philippines has now influenced majority of the peoples eating habits. Less nutritious food and more fatty diet now characterize that you see on every table- a situation resulting in rising cases of Cardiovascular ailments include heart attacks and stroke- the top two killers in the country today.

Some of the benefits of Grapeseed extract:
• Helps in the fight against cardiovascular death.
• Has the ability to scavenge free radicals and reduce the cholesterol build-up.
• Stops cholesterol from building up in the arteries.
• Regulate the intensity of artery expansion as blood passes through them causing stokes and heart attacks.
• Lowers your blood cholesterol.
• Aids in nursing aneurysm or the dangerous ballooning of a weakened area of an artery.
• Helps aging Filipino males struggle prostate cancer.
• Has anti-cancer effects beyond that of an antioxidant studies have been made at the effect of naringenin on DNA repair in human prostate cancer cell cultures.
• The Department of Health (DOH) has staged on active campaign as prostate cancer incidence among aging Filipino males are said to be on the rise. Besides age and family history, poor diet and high-animal-fat diet are contributory.


1st Health 6 in 1 Hair Treats with Aloe Vera

Packaging: 220mL/bottle
SRP: P218
Direction for Use : Wet hair. Massage 6 in 1 Hair Treats unto your scalp and hair evenly. Leave on for 5 to 10 minutes then rinse thoroughly. For best result use daily.
Your hair is your crowning glory, but can be the source of major headaches and problems when your hair and scalp is not working properly and you are left with limp, dead and lifeless hair. This blend has proven to be effective and extremely popular with people that take their hair seriously.


1st Health New Kojic Soap
Packaging: 135g/bar
SRP: P120
Direction for Use : Use as bath soap, preferably let it stay 3 to 5 minutes on your skin before rinsing. For facial use, do not leave on skin for more than 2 minutes.
Kojic acid soap is used as a skin lightening agent for people who may have sun spots, freckles and other forms of pigmentation on their face, hands and neck.
Benefits
Using Kojic acid soap on a regular basis may help reduce the appearance of age spots, eliminate or reduce freckles, reduce or eliminate their discoloration from pregnancy and strengthen cell activity. The soap is used by many Japanese men and women as part of their regular facial regimen so that the skin stays soft and vibrant. Kojic acid also has antibacterial and anti-fungal properties.


1st Health KryptOrganic Tablet

Content: Cryptomonadales 200 mg
Packaging: 100 Tablets / bottle
SRP: P 900
Dosage: Take 1 tablet 3 times a day, 30 minutes before meals or as prescribed by a healthcare professional.

Supreme whole food concentrate & storehouse of concentrated nutrients.
Richest source of CHLOROPHYLL “ Nature's Healer” the most powerful blood cleansing agent & it detoxifies the bowel, kidney & liver.
Richest source of Chlorella Growth Factor (CGF) “ long life factors”, enhancer of immunity, retardant of aging, stimulates tissue repair & improves nutrients intake.
Richest source of natural PPAR Agonists- the most promising biomedical molecules for metabolic syndrome, anti-inflammation, and cancer in the 21st century.


C leanses blood
E nergizes cells
L ower cholesterol
L ose weight

R egulates blood sugar
E nhances libido
P rotects liver & liver
A nticancer
I mproves brain/ nerve function
R ejuvenates cell

G rowth enhancer
R educes stress
A lkalizes cells
B uilds strong immune system
E xtends good, healthy life

CELL REPAIR GRABE


UNO Scalar Pendant

Variants: Available in Brown and Black
Packaging: 130 g / Tube
SRP: P5,800

Direction for Use : Brush teeth with UNO Advance Care 3 times daily after meals or as desired. Massage some tooth gel on gums with finger if brushing is painful. For best results, let the gel stay in the mouth for a few minutes before rinsing.


UNO SCALAR PENDANT is made from natural minerals and Germanium Dioxide that are fused and bonded at a molecular level. It produces Scalar Energy that restores the Body's energy by helping to balance its bio-electric field. Inwardly, Scalar Energy helps by facilitating cell permeability thereby enhancing many physiological functions. Outwardly, it enhances the body's bio-electric field which is essential to overall good health.

BENEFITS
• Promotes the unclumping of cells thereby enhances cellular movement.
• Boosts the immune and endocrine systems.
• Enhances cellular nutrition and detoxification.
• Protects the body from harmful radiation & electro magnetic waves.
• Helps retard the ageing process.
• Helps fight cancer.
• Enhances blood circulation.
• Protects the DNA.
• Increase focus and concentration.

COLORS
UNO SCALAR PENDANT comes in two colors, Black and Brown to match your personal preferences.


1st Health Prime Juice 

Content: Mangosteen Extract, Goji Berry Extract and other fruit extracts
Packaging: (25g sachet) 24 sachets/box
SRP: P840
Direction for Use : Empty 1 sachet to a glass of water. Stir well.
Just the few of the many reasons why we should start drinking Prime Juice
1. Extend your Life
Goji is known as the "longevity fruit". Its unique molecule polysaccharides and powerful antioxidants defend against premature aging, fighting free radical damage throughout the body.

2. Energy and Strength Booster
Prime Juice increases exercise tolerance, stamina and endurance. Helps to eliminate fatigue, especially when recovering from illness.

3. Look and Feel Younger
Stimulates the secretion by the pituitary gland of Human Growth Hormone, the youth hormone for a more youthful appearance..

4. Improve Your Immune System
Regulates immunity by commanding and controlling many of the body's important defense functions, enhances and balances the activity of all classes of immune cells.

5. Improve Disease Resistance
The free radical superoxide has been implicated to have an important role in the onset and progression of human disease.


1st Health Organic Thanakha Cream

Scents: Available in Rose Scent / Shiles Scent
Packaging: 35g/jar
SRP: P750
Direction for Use : Dilute a pinch of Thanakha Cream in a few drops of water and apply thickly on cleansed face as an overnight facial mud pack. A lighter mixture can be used as a make-up base or liquid foundation.


ORGANIC THANAKHA SHILES Clears your skin from blemishes especially like: Freckles, acne, pimples, blackheads & whiteheads, sunburn, skin discoloration, skin's itchy rashes, & facial rashes. Moreover, it increases the production of Collagen and Elastin (skin proteins) to protect and prevent your skin from premature skin aging like wrinkles and dryness. Organic Thanakha Shiles is not Based on any large amounts of chemicals and synthetic oils used by traditional cosmetics. Natural Thanakha Make-up is 100% Organic without question! It will cause you no allergies, skin irritations or any other side effects even in a lifetime of use.

ORGANIC THANAKHA ROSE Aside from relaxing your mind from stress and anxiety of the everyday grind, the scent of rose also: Moisturizes, regenerates skin and Hydrates aging skin. It also lightens Large and Open Pores, Increases Skin Collagen and Elastin, Controls Excessive Facial Oil, Removes Serious Acne, Pimples, Blackheads and whiteheads and is an excellent Make-up foundation, Facial powder and oil controller on day time. Organic Thanakha and Rose oil combined will make sure your skin gets a revolutionary revival from the dull!!!

ORGANIC THANAKHA SANDALWOOD For 4,000 years, Sandalwood has been used as a calming incense in peaceful meditation as it calms the mind, enhances mental clarity, and aids in opening the mind to a greater awareness. But Sandalwood is also used for; Skin regeneration, Skin Hydration, Skin revitalization, Skin moisturizer, removing serious acne, pimples, blackheads & whiteheads, Skin rashes. Sandalwood essential oil with Natural Thanakha helps to moisturize and hydrate aging dry or flaky skin, relieving itchiness and its astringent action balances oily skin.


1st Health ULTIMA-C Capsule

Content: Sodium Ascorbate 500 mg.
Packaging: 100 Capsules / box
SRP: P750
Dosage: Take 1 to 3 capsules daily with beverage or meal or as prescribed by a healthcare professional.

Ultima-C is a revoluionay yet natural Vitamin-C that is readily absorbed by the body cells. It's unique cellular actions are due to Vitamin-C metabolites that work to maximize cellular utilization of Vitamin C. It is a super antioxidant that strengthens the Immune System of the body to perform atleast 300 necessary functions in the body. Protects the body against flu, cough, bronchitis, respiratory problem, viral & bacterial infections. Ultima-C is alkaline that's why we are able to stay away from diseases and cancer.

Ultima-C is effective in addressing the adverse effect of the following:

• Arthritis • Adrenal Insufficiency • Alcoholism • Allergies • Asthma • Bleeding Gums • Bone Abnormalities • Bruises • Cancer • Cataracts • Confusion • Colds • Cough

• Dental Cavities • Depression • Discomfort from Arthritis • Easy Bruising • Effects of Air Pollution • Effects of Radiation • Fatigue • Fever • Free Radicals • Gingivitis • Glaucoma • Insomniac

• Infections • Loose teeth • Nosebleeds • Meningococcemia • Mental illness • Nasal • Poor digestion • Periodontal Diseases • Rough skin • Skin irritation • Scurvy • Stress

 

1st Health Virgin Coconut Oil 1000mg Soft Gel

Content: Virgin Coconut Oil 1000 mg
Packaging: 50 Soft Gels / box
SRP: P700
Dosage: Take 2 to 6 capsules daily or as prescribed by a healthcare professional.

has been used for centuries as a vital source of food for health and general well being in traditional communities of tropical regions. It is called “The Tree of Life” , abandoning unhealthy lifestyles and reverting to natural foods can help to reverse many of the diseases that have manifested in our bodies.

Here are some of what coconut oil can do for you:
• Improve your energy*Reduces your risk of heart diseases.
• Reduce your risk of cancer.
• Improve your digestion and ability to absorb nutrients.
• Promotes weight loss and maintenance of your ideal weight*Help prevent bacterial, yeast, fungal and viral infections.
• Support and enhance your immune system.
• Help regulate your blood sugar and prevent or control diabetes.
• Help prevent osteoporosis.
• Help prevent premature aging and wrinkling of the skin.
• Help keep your skin smooth and soft*Help protect against skin cancer and blemishes.


1st Health Acai Berry Juice

Content: Acai Puree, Cane Juice, Apple Juice, Acerola, Guarana & Green Tea
Packaging: 1000 mL / bottle
SRP: P2,500
Dosage: Take 2 tablespoons (30 mL) per day or as prescribed by a healthcare professional.


AMAZON The word that stands for GREATNESS, STRENGHT AND NATURE. And one-fourth of the oxygen in the entire world is produced by the Amazon rain forests. They’re known as “the lungs of the earth.”
An ecosystem protecting an earth’s biological treasures. More than 10 million species of plants, animals and insects live in the forest. The Amazon contains the largest collection of living plants, species animals on earth.
Evergreen as far as the eyes can see, at least 3,000 edible fruits are hidden here. The natives used 2,000 of these. Only 200 fruits are available in the West. The natural healing power of theses treasures of the Amazons has not gone unnoticed in the scientific world and those who seek the fountain of youth.
The US National Cancer Institute said that 70% of these 3000 plants that are active are found in the rain forest. Today 20% of the western pharmaceutical ingredients are found in the Amazon rainforest.
The Amazon is still largely undiscovered. In the heart of the forest ……….stands the tallest palm tree in the world. And from that tree comes the most grand treasure…..the small, round, dark violet berry….the ACAI berry.
Because acai palms are the tallest trees in the Amazon and provide shade for the other vegetation, they’ve learned to adapt to absorb more solar radiation than other plant sin the forest. And because the rain forest is, in fact rain forest, acai palms must survive flood conditions that often leave their trunks under water for days and weeks. That’s why the environmental stresses from the sun and climate have helped developed the tree’s defense compounds as a strategy for coping with the harsh environment. AS we consume these amazing fruit, we become the beneficiaries of these defense compounds.

The ACai berry possessed scientific qualities that no other fruit can claim. It has the protein profile like an egg, calcium profile like the milk, 10 times more anti-oxidants than red wine, has omega oils compared to that of virgin olive oil, and has more than 56 nutrients and vitamins on that rich Acai berry. Research shows That the acai berry is packed with nutritional value, including healthy fats, fiber along with low gylcemic index. That’s why it is no surprise that Acai berry is considered as the No.1 SUPERFOOD IN THE WORLD. The ACAI berry has the strength, energy, richness just like the Amazon where it came from.
Recently discovered by Brazilian elites and North Americans for its unprecedented nutritional value and the health benefits it has provided to the natives in Brazil.
Heralded as the No. 1 Superfood in the World by Dr Nicolas Periccone, Dr Ozz (both Anti-aging experts in US), world class athletes Christian Slater, celebrities like Oprah Winfrey, Brad Pitt, Julia Roberts and Eva Longoria to name a few. And also Philippines own, Ms. Cory Quirino, Ambassador of Wellness.
This makes acai berry the brightest star among other anti-oxidant rich fruits like blueberries, pomegranates, grapes, cranberries and blackberries.

Vogue Magazine called it “ the next big thing” London Times said “ The acai is the fruit of the Amazon palm tree with a nutritional content that makes other fruit blush with inadequacy.” Washington Post said “ The acai has beguiling berry-like flavor with intense chocolate overtones.” Men’s Journal calls it “ the fruit that packs a punch” US Health Science Institute “ Natures perfect food” The most powerful and potent drink there is ……………. UNO introduces 1st Health Acai berry juice. Delivers the best fruit in a bottle. It targets the every cell of the body to promote wellness and with its high anti-oxidant it repairs every damaged cell to function to its outmost. Acai berry provides over-all health, energy, vitality. Study shows fewer individuals consume less than 3 recommended serving of fruits, and thus lead to increasing number of diseases world wide……………….ACAI BERRY..holds the key to over all wellness.

1st Health Body Works Exfoliating Body Scrub

Content: Kojic Acid, Papaya, Puenscrub, Vit A. E & C
Variants: Available in Blue, Yellow and Orange
Packaging: 220mL / bottle
SRP: P250
Direction for Use : Massage into skin then rinse

The main benefiting component in body scrubs is that they ex-foliate the skin and thoroughly cleanses and refreshes skin deeper than regular soaps and body washes normally have the ability to do. This is both good for those with dry skin, as it stimulates the blood circulation and the production of the skins natural oils, and produce new healthy skin. For those with oily skin, body scrubs is an effective way to deeply clean
clogged pores and blackheads that thrives in an oily environment. Dead skin cells, dirt and oil will be released and leave the skin rejuvenated when using a body scrub.
If using body moisturizer after the body scrub, your body will be left with a smooth, baby-soft and silky feeling.
1st Health Body Works can stimulate the immune system of skin to fight skin aliments, skin disease and keep it's youthful vitality. It helps pull out toxins from the skin. To massage the skin with a good body scrub has shown that the blood circulation in a person is improved, which has many health benefits.
Since the skin covers a large area of our body, it is important to nurture and take care of it. 1st Health Body Works is a healthy way to get clean, get invigorated, get the blood circulation going, and the mood uplifted.

---

---

Download the Power Point Presentation:
http://www.uno-corp.net/2010/lounge.html#bpvideo

just contact Mr. Greg @ this numbers 09285517095 (smart) or  09174593082 (globe) then continue reading and be blessed....

Satistfaction in us

All of us always used to dream of having a comfortable life. But such is not as easy as 123. Nothing in this world exists in the easiest way we wanted to happen. Neither doing things as perfect as what we wanted to expect.

We should be satisfied always by what we have. However, we should learn how to nurture and develop them in order for us to grow into a more productive individual.

All the richness we are longing to have can only be attained only if we know how to stretch our limbs and learn how to stand and not only be satisfied with the way we crawl.

Ours is a possession of a great magnitude to conquer all odds. Whatever challenge that we might encounter, we should learn how to face them bravely and with full of optimism.

My First Financial Planning Seminar

Last July 31, I was given the chance to be a resource speaker for the very first financial planning seminar that I conducted. I was at first nervous as this was my very first speaking stint but that nervousness was slowly swallowed as I discussed my topics.

It was a success! It was attended by around 50 attendees from our company. I was first introduced as a BS Mathematics graduate from Ateneo de Manila University, mentioned my two former employment background and my feature in Good House Keeping magazine as financial expert.

A lot of thanks for that introduction. I’ve never been given such recognition in my entire life. After that, I started discussing my financial planning powerpoint presentation.

For the readers of this blog, I would present here the details of my handout given to those who attended so that at least even though you were not able to attend, it’s as if you attended my first financial planning seminar. Basically, it’s just a summary of some of the contents of this blog.

Goals:
Goals empower us. It gives us direction. Life is full of paths. We can either go in the right direction or in the wrong direction. Goals provide us the right direction. It sets our priorities. It gives us the motivation.
When you list down your goals, you are giving direction to your life. In listing your goals, list them “smartly”. S-Specific, M-Manageable, A-Achievable, R-Realistic, T-Time Bound

S-Specific. Our goals should be specified to give us direction. To set a specific goal, it must answer any one of the following “W” questions:
o Who: Who is involved?
o What: What do I want to accomplish?
o Where: Identify a location
o When: Establish a time frame
o Which: Identify requirement and constraints
o Why: Specific reasons, purpose or benefits of accomplishing the goal.
Sample: I want to become a millionaire! But a specific goal would say, “Get a job for 10 years, establish your own food business and use your network of friends and acquaintances”

M – Measurable. To determine if your goal is measurable, ask questions such as “How much?” “How many?” “How will I know when it is accomplished?” Sample: I want to become a millionaire by age of 26!

A – Achievable. When you identify goals that are most important to you, you begin to figure out ways on how to achieve them. In the process, you develop the attitudes, abilities, skills, talents and capacity to achieve them. When you list your goals, you see yourself as worthy of these goals.

R – Realistic. To be realistic, a goal must have an objective that you are both “willing” and “able” to work. If you truly “believe” that you can achieve your goal, then it is realistic.

T – Time Bound. Goal should be grounded by time frame because if there’s no time frame, then there’s no sense of urgency. If you just say, “someday” then it won’t work. By setting a time frame, you are setting your mind to begin working in achieving that goal.

ABC to achieve goals:
ASPIRE: You start with what you want to achieve. Be specific; follow the “S-M-A-R-T” goal system. You say to yourself: “I WILL ACHIEVE THIS!”
BELIEVE: After you’ve listed down the goals that you aspire, believe in yourself that you can achieve it! I already saw a lot of people achieved it, if they can do it, then why won’t I? You say to yourself: “I CAN DO IT!”
COMMIT: The next step is to commit. This is the hardest part because your patience, attitude and determination will be tested to its fullest. It’s a test for survival. You say to yourself: “I WILL NEVER GIVE UP!”

Law of Attraction: Positive Thinking + Action = Goals
- Napoleon Hill (author of Think and Grow Rich): We become what we think about
- Newton’s Universal Gravitation: Every object in the universe was attracted by every other object -> e=mc2
- WILL POWER: What your mind conceives, your body can achieve.

Examples of Will Power:

Marathon Race: At the start of the game, the runner conditions his mind. His will power says: “I CAN DO IT!” This will power pushes his body to try harder and run faster to overcome opponents. It was the soul driving the body. The power was not in the muscles but in his will! You will notice that at the end of the race, the will let up and the body will collapse.

Rags to Riches Story: They never consider their economic status to be a hindrance to become successful in life.

Roselle Ambubuyog: A BS Mathematics student in Ateneo who graduated Summa Cum Laude and got the title valedictorian of the Year! - BUT both eyes are blind.

Motivational Quotes:
- “I will do today what other people won’t so that I can have tomorrow what other people can’t”
- “When you want something, all the universe will conspire in helping you to achieve it”
- “Show me a person backed with passion, conviction and resolve and I’ll show you a winner”
- “When a team of dedicated individuals makes a commitment to act as one, the sky is the limit”

Frugality: Ways to Manage Funds in Work Life
- Pay yourself first:
       Income – Savings = Expense
       Pareto’s Principle of 80/20:
           - In business, put most of your efforts on the 20% of things that bring 80% of income to your business.
           - In saving, put at least 20% to savings.

Frugality: Ways to Manage Funds in Home Life

Save Money on Electric Bills
       - Drop the temp. Lower the temperature on your water heater’s thermostat
       - Change bulbs. Compact Fluorescent Lamps (CFLs) use a quarter of the electricity of regular incandescent light bulbs.
       - Check filters. Remember to replace aircon filters and heat-pump filters to keep these systems running efficiently.
       - Pull the plug. Remember to pull the plug for any electrical appliances that are not in use.

Save Money on Water Bills
o Get a gadget. Get yourself a low-flow faucet aerator. It uses less water while increasing water pressure.
o Fix leaks. Check for leaks in pipes, hoses, especially in the toilet.
o Recycle water. Collect rain water to water the plants. Just be sure not to stock it very long to avoid developing a breeding ground for dengue.
o Add a hose nose. Use a hose with a shut-off nozzle when you water the plants so that there will be no wasted water if the hose is not in use.
o Wash full loads. Cleaning less than a full load of clothes or dishes wastes both water and energy.

Frugality: Ways to Manage Funds in Family Life

Save Money in Dining and Entertainment
o Know before you go. Scan over your local newspaper, check radio stations and company websites for coupons, promos, and special discounts.
o Master menu magic. Drink water instead of ice teas, alcoholic beverages, and juices. Bypass that meaty main dish. Order a meatless meal or if it’s not enough, try two appetizers or several side orders.
o Get discount coupons. Take advantage of discount coupons and treats given by sales persons in different malls.
o Win your treat. Join contest that have prices for gift certificates, free movie passes, and free vacation packages. Some of these contests are held in radio stations.
o Ask to pay less. Use discount treats that come along with your credit card. Or if you are a senior citizen or a student, ask if they have special promos for you.
o Keep your fun cheap. Attend free cultural events and other low-priced entertainment. Or just watch a DVD movie at home with your friends.

Investments: Making Your Money Work For You

Emergency Bank
o Set up a minimum of 6 months up to one year of your monthly income for your emergency fund to cover up for emergency expenses such as job layoffs, hospitalization, and other emergency expenses
Evaluate Your Investments: Risk, Liquidity, Return
o Risk is the possibility of losing the amount you invested
 Risk-Averse
 Moderate Risk
 Risky
o Liquidity is how an investment can easily turn back to cash
 How urgent do you need your money now?
o Return is the interest income of the investment or ROI
 The higher the return that we want, the riskier the investment

Investment Lessons You Need To Know
o Your Enemy: Inflation. Inflation is the rise of prices of commodity. It depreciates the purchasing power of our currency. Therefore, we must find a good investment that has returns higher than the annual inflation rate.
o Your Ally: Time. Time is of essence to investment because it takes time for you to reap the returns of your investment. In a simple savings account, time is beneficial as portrayed by compound interest.
o Know your investments. Be sure to know what the sources of the returns are and how those returns were made. Understand and learn in the process.
o Diversify. Diversify all your investments not only in one type of investment but also to others so that if it fails, you don’t lose everything.
o Minimize unnecessary expenses and taxes. Look for investments that have low taxes and other unnecessary expenses because it depletes the possible return for your money.
o Match your investment with your risk appetite: Evaluate each investment with risk, return and liquidity
o Start early. The early bird catches the worm. Time is essential in investment.

Investments: Where to Invest Extra Cash?

Risk-Averse:
o Savings Account
 Lend money to bank and bank will invest it. In return, bank will give you low interest but you can withdraw our money anytime.
o Time Deposits
 Lend money to bank and bank will invest it. In return, bank will give you higher interest but your investment is subject to a withholding period and you cannot withraw your money anytime you want.
o Special Deposit Account (SDAs)
 You lend your money to Bangko Sentral ng Pilipinas like a bond and they will give you higher interest but it requires a huge capital ranging from 100K to 1M.
Moderate Risk:
 Bonds – Investment Outlet Units (IOUs). You lend your money to corporation and they will pay you interest (corporate bonds)
Risky:
o Stock Market
o Real Estate

Robert Kiyosaki: Increase your financial intelligence
 Rat Race – a term coined by Kiyosaki to mimic our general income-spend attitude (i.e., when you receive your pay, you expense it out right away to pay bills, buy clothes, etc.)
 Cash flow quadrant:
o Employee – These are people who work for a boss and who love security. No work, no pay.
o Self-Employed – They work for themselves and don’t have a boss. They can decide for themselves. These are people who love to be independent (i.e. doctors, lawyers, etc.) No work, no pay.
o Big Business Owner – They love delegating tasks. They concentrate more on activities which produces most profits. They hire people who are more intelligent than them to make them rich.
o Investor – People who already built assets. These assets are working hard for them to make them rich. They don’t work for money but their money is working hard for them.

Robert Kiyosaki: Secrets of the Rich
Secret 1: What is Financial Intelligence?
o Income statement and balance sheet – two important simple concepts you need to know to increase financial intelligence
o Asset vs. Liability – Assets provide cash to our pocket. Liabilities deplete cash from our pocket. Asset will FEED us. Liabilities will EAT us.
o Is house and asset or liability?
Secret 2: Cash Flow Patterns of Poor, Middle Class and Rich Persons
o Poor: Every income from job goes out to expenses right away
o Middle Class: Every income from job goes to liabilities that they thought are assets, and then eventually goes out as expenses
o Rich: Every income from job, they use to buy assets that will provide them passive income in the future.
Secret 3: Increase Passive Income

Robert Kiyosaki: Good Debt vs. Bad Debt
 Good debt helps us manage our finances
 Bad debt is a burden because it drains our finances
 Debt leveraging: Using debt to your advantage
o Take advantage of credit cards
 Cashless Transaction – credit cards allow cashless transactions that are less prone to hold ups and snatchers
 Emergency Cash – credit cards have cash advance facility that you can use in case of emergency
 Float Advantage – buy now pay later.
 Huge Discounts – credit cards companies have tie ups with several merchants for discounts
 Reward Points – accumulate points in exchange of freebies
 Raffle Points – aside fro m reward points, credit card companies conduct raffle promos from time to time.

Robert Kiyosaki: Game of Money
 1st Quarter (25-35 years old)
o Savings should be your top priority
o Learn investment options
o Get insurance
 2nd Quarter (35-45 years old)
o Plan for your children’s future
o Make sure you have enough for your emergency bank
o Have a business
HALF TIME – Mid-Life Crisis
 3rd Quarter (45-55 years old)
o Allocate much of your income to investment capital – review your investment portfolio and ask if you need to transfer funds to other nvestments
 4th Quarter (55-65 years old)
o Protect your capital – try to preserve your capital so that you can live with on its interest, And make sure to make your last will in order.
OVER TIME
GAME OVER

Robert Kiyosaki: Cash Flow Game – From Rat Race to Fast Track
Doodads. Doodads are simply the expensive wants that we can’t resist.
Opportunity. Opportunites serve as deals for you to grab. It is broken down into two: small deal and big deal. Small deals are deals that involves small money while big deals involve large sums of money. Deals can either be stocks, mutual fund, business, or real estate opportunities.
Market. Markets serve as opportunities for holders of assets. When you land in this option, you are offered by a buyer.
Baby. Baby depicts the real happening of raising a family. In the game, when you land in this option, there will be an additional cost that will be added to your expenses. And there will be a maximum of 3 babies in the entire game.
Paycheck. Paycheck depicts the real world of employment.
Downsizing. Downsizing also depicts the real happening of being fired or unemployed. In this case, you will lose 2 turns and lose a portion of your cash to fund your needs.
Charity. Lastly, charity relies on the concept of the law of reciprocation.

THANK YOU!
I hope you enjoyed my very first financial planning seminar!
Unfortunately, the company does not want me to post pictures or posters of the seminar so I cannot post it. But thanks to the certificate given to me and little present from the team.

What does it take to become successful?

What does it take to become successful? Success has a lot of meaning to each of us. You can achieve success financially, success emotionally, success spiritually, etc.

In a recent addition to my learnings to become a successful entrepreneur and investor, I’ve learned about John Wooden’s Pyramid of Success.

John Wooden is a retired American basketball coach. He is a member of the Basketball Hall of Fame as both a player (class of 1961) and as a coach (class of 1973). He has authored a lecture and a book about the Pyramid of Success. The Pyramid of Success consists different philosophical building blocks for winning at basketball which can then be applied to become successful in life.


According to John Wooden’s Pyramid of Success, “Success” is at the apex of the pyramid.

“Success is peace of mind which is a direct result of knowing you did your best to become the best that you are capable of becoming,” says John Wooden

In order to achieve this success, one must follow 15 traits to become successful. These traits are so-called building blocks of success. Let’s discuss each of these traits starting from the bottom to the top.

Industriousness. John Wooden says: “Hardwork results in worthwhile accomplishments.” True enough, I think success is 90% perspiration and 10% luck. You need to act in order to succeed.

Honesty. John Wooden says: “Truthfulness should always prevail. Tell it like it is and not how you wish it to be.” Honesty is the best policy and the truth will set you free.

Friendship and loyalty. John Wooden says: “Friendship comes from mutual esteem, respect, and devotion. A sincere liking for all.” No man is an island. In order to achieve success, you must mingle with successful people. Find mentors and learn from them.

Cooperation. John Wooden says: “Cooperation with all levels of your co-workers is essential. Help others and see the other side”.” Two heads are always better than one. No once can be successful in its own. It is always a team effort. Learn to cooperate by sharing your knowledge and gain some knowledge as well from other people.

Enthusiasm. John Wooden says: “Your heart must be in your work. Stimulate others.” You must have the passion in what you do for if you have that passion and you keep it burning, your chances of achieving success in reaching those goals are high.

Self-Control. John Wooden says: “Keep emotions under control. Delicate adjustment between mind and body is needed. Keep judgment and common sense.” As the famous self-motivation coach Anthony Robbins said that our emotions are one of the keys to our health. Your emotions are somehow connected to your health and success. If you are a happy person, you will attract a lot of positive things. Positive things are always associated with success. Same thing goes for negative emotions. If you are always angry, then chances are you will attract negative emotions too.

Alertness. John Wooden says: “Ask rigorous questions. Be skilled in scientific reasoning.” Curiousity leads to knowledge.

Initiative. John Wooden says: “Summon the courage to make a decision and take action.” Sometimes, you need to take the initiative to take the proper actions without being told to do. Be proactive!

Intentness. John Wooden says: “Harness your ability to resist temptation and stay with your course. Concentrate on your objective and be determined to reach your goal.” If there’s a will, there’s a way. Aim high and stay focus in achieving your goals. It all boils down on how strong your will power is.

Condition. John Wooden says: “Mental, moral, physical and diet must be considered. Moderation must be practiced. Dissipation must be eliminated.” Everything that is excess and deficient is detrimental. Moderation is the key.

Skill. John Wooden says: “Skills are knowledge of and the ability to properly execute the fundamentals. Be prepared. Cover every details.” Skill must be developed. Constant education is the key in improving one’s skills.

Team Spirit. John Wooden says: “You must have an eagerness to sacrifice personal interests or glory for the welfare of all. The team comes first.” Sometimes, we need to set aside our personal concerns for the higher benefit of most people. Successful leaders are servants to their people.

Poise. John Wooden says: “Just be yourself. Be at ease in any situation. Never fight yourself.” Be true to yourself. Be comfortable in any situation. Don’t be pretentious.

Confidence. John Wooden says: “You should respect without fear. Be confident, not cocky. Confidence may come from faith in yourself in knowing that you are prepared.” Having faith in one’s self is the key. To have faith is to be prepared. You cannot win a war unless you are prepared. Same thing for success. Success comes with thorough preparation and planning.

Competitive Greatness. John Wooden says: “When the going gets tough, the tough get going. Be at your best when your best is needed. Real love of a hard battle.” Ultimately, success relies in yourself. It’s you who will make yourself successful and not others. Develop that attitude to be the best when your best is needed.
How about you, what’s your idea of success? What does it take for you to become successful?

How to Overcome Laziness

In one of my previous posts, I tackled about overcoming fear. Today, it’s time to tackle on how to overcome laziness.

Busy people are often the laziest. Busyness is a form of avoidance. If you stay busy you can avoid some of the things you don’t want to face—like exercising, or taking care of your wealth.

What’s the cure for laziness?

Kiyosaki says a little greed. Isn’t greed bad? Too much of it, yes. An excess of anything is bad. The fact is, however, that all of us secretly harbor a desire to have new or exciting things. We’ve been told by our parents and others to suppress that desire. We’ve been made to feel guilty about it. How many children have asked a parent for something and gotten the response, “Do you think I’m made of money?” In truth, guilt is worse than greed. Guilt stifles dreams.

When we stop saying “Life is too hectic to change it” and say, instead, “It’s time to exit this rat race and find new ways to earn wealth,” we begin to cure ourselves of our busy laziness.

The Rich Dad of Kiyosaki used to say, “The phrase ‘I don’t want’ holds the key to your success.”  Kiyosaki saw what he meant when he got into real estate and quickly learned that he didn’t want to fix toilets. By finding a property manager who could fix toilets, he was freed up to buy a lot more real estate. And as a result, his cash flow increased.

Go ahead, be greedy, if that’s what your heart is telling you to do. But don’t overdo it to the point that you are doing illegal things. Persevere and work hard. Make a list of what you really want, and don’t limit it according to someone else’s idea of what you shouldn’t have—be truthful with yourself.




When your list is complete, step back and appraise it. Don’t ask yourself whether you can afford the things on your list, but rather how you can afford them. This fresh appraisal will create a stronger mind and a more dynamic spirit, helping you to shed your lazy ways. I suggest that everytime you feel lazy, take a look on your list and think of ways on how can you afford it. Most of all, TAKE ACTION and don’t be a couch potato!
As and end, I would like to leave another Rich Dad Tip:

 “The words ‘I can’t afford it’ close your mind, while the words, ‘How can I afford it?’ open your mind. The human spirit is powerful—it knows it can do anything.”

Source: Robert Kiyosaki’s Coaching Program

Qualities of an Effective Leader

QThe Philippines is going to elect another leader this coming May. Who deserves to be the leader among those contenders? Who has the qualities of an effective leader?

There are a lot of people that say leaders are born. Some say that leaders are made. Whatever your opinion on this, leaders should be ‘effective’ in their leadership and should be responsible to their constituents.

Let’s discuss some of the qualities of an effective leader and apply these qualities to the country’s highest leader, the President, as we cast our votes this coming Presidential elections.


The highest form of leadership is servanthood. Leadership is one of the highest calling a person can receive. How can you distinguish an effective leader among the rest?

An effective leader is the one who serves, a bad leader wants to be serve.
An effective leader is one who empowers, a bad leader wants that power.
An effective leader wants people to grow and become great, a bad leader becomes insecure when someone grows and they always have to be the great one.

There’s this law in Physics that for every action, there is an equal reaction. The secret to become an effective leader is simple enough.

If you want to be happy, make someone happy. Instantly you become happy.

If you want to be motivated or empowered, motivate and empower someone. Instantly you’re motivated and empowered.

If you want to be appreciated, appreciate people and they will appreciate you.
If you want respect, of course respect them first.
If you want to be trusted, you must trust others too.

As an effective leader, you should not wait for someone to do those things for you first, You have to do it yourself first. An effective leader is called a ’leader’, because people follow what you do, not what you say. Effective leaders serve as inspiration and motivation among their followers.

Rich Dad Tip:

“A leader’s job is to bring out the best in people, not to be the best person.”

As an end to this post, I would like to give you the Leadership Litmus Test that I learned from Robert Kiyosaki:

- Are you depending on charisma to lead your team? Watch out—leadership has less to do with personal magnetism than with persistence in communicating your mission to your people.
- Do you hole yourself up in your office all day long, poring over numbers rather than getting out and talking with your team? Financial statements are important, but so is mixing with—and listening to—your employees. Watch out for the stuffed-shirt syndrome. The best way to keep abreast of company progress is through informal interaction and ad hoc meetings.

- When it comes to making decisions, do you put off the day of reckoning? Effective leaders need to be action-oriented; otherwise their companies will succumb to paralysis.
- Do you lead by command—telling people what to do, and punishing them if they don’t—or by enabling? Leaders who hire talented people and give them space to shine are establishing an atmosphere of trust in which creative ideas will flower.

Overcome Fear in Investing

Without doubt, each of us don’t want to invest because we are afraid of losing our hard earned money. The fear of losing money is the main reason a huge percentage of the public struggles financially. But fear isn’t the real problem. It’s how people handle fear that matters. Kiyosaki tells people that the primary difference between rich people and poor people is how they handle the fear of losing money. Some people, when hit with a financial loss, give up. Others transform the loss into a win. As John D. Rockefeller said, “I always tried to turn every disaster into an opportunity.” Losers are defeated by failure. Winners are inspired by it.


Kiyosaki often commented that the real reason for lack of financial success was that people played it too safe. “People are so afraid of losing money that they do lose it,” he would say. If they have some cash, they buy big houses and big cars rather than big investments. Or they invest all of their money in balanced portfolios—in CDs and low-yield bonds and mutual funds and a few individual stocks. These are people, driven by fear, playing not to lose.

Rich Dad Tip:

“The primary difference between rich people and poor people is how they handle fear.”

Of course, a balanced portfolio is a lot better than no portfolio at all. It seeks safety through diversity. Having a financial plan for security and comfort first are important. But if you have any desire to become rich, you must focus, not diversify. You must put a lot of eggs in a few baskets rather than putting a few eggs in many.

FEAR: I’ll lose all my money if I invest in anything riskier than CDs, bonds, and mutual funds.

FACT:  If you lose some money, you can learn from the failure. Once you become an educated investor you’ll be positioned to reap potentially huge rewards.

FREEDOM:  Financial failure can be transformed into financial gain.

If the prospect of failure frightens you, then play it safe. Keep your daytime job until you have enough cash to buy bonds and mutual funds and consult with a financial planner. But if the prospect of failure inspires you to fight and win, maybe you should challenge yourself to change your financial habits. Educate yourself and take some financial risks. The more education you have, the less risk there will be.

In investing, the higher the risk, the higher the reward. You won’t become successful if you didn’t take risks and part of that risk is the fear of losing money. Personally, when I increased my financial education, my risk appetite also increased. I started investing in mutual funds and unit investment trust funds and then went to a riskier type of investment - the stock market. As I increased my business acumen, sooner or later, I will begin engaging myself into business. The more financially educated I am, the less the fear that I am feeling about.

Source: Robert Kiyosaki’s Coaching Program

What to do after a job layoff?

Nowadays, because of the global financial crisis, a lot of were laid off in their jobs. There were a lot of job cuts all over the world. What will you do if you’re one of them? What will you do if you’ve just learned you’re about to be laid off?

What now? Of course, you will feel depress. Some people even commit suicide.

Even before you start a new job hunt, you can take steps to shore up your financial concerns.

Grab a pen and some hope. If your employer begins your exit paperwork and meetings immediately, you may learn about valuable resources in your severance pay or outplacement benefits. So grab a pen and take thorough notes on everything your employer tells you during the exit process. Make them wait while you write. Get their phone numbers so you can call them later for clarification.

Ask questions. If you’re part of a large layoff, your company probably won’t negotiate for terms of your severance package. But do ask about the package’s details. For example, ask how and when you will be paid, get specifics on the outplacement services your employer plans to pay for, and find out which of your benefits will continue and at what cost.

If your employer has not purchased outplacement services for you, politely complain and request it. They may not be aware of how helpful it is to you. Once you get home, read all the paperwork you’ve received and write down questions to ask. Then arrange to meet with your human resources department to get the answers.

Take action. During the three days following a layoff, go to your outplacement meetings and follow the instructions you get there. In the United States, there is such thing as unemployment insurance. If your severance pay equals less than six months of regular income, file for unemployment insurance within three days too. Remember, this is insurance and it is not a part of welfare or any need-based programs so don’t hesitate to file.

Alternatively, for those ones living here in the Philippines, you can take advantage of the loan being given by the Social Security System (SSS) to those who were laid off. Or you can participate in different livelihood programs implemented by the government.

Budget for change. Look for temporary ways to cut expenses or unnecessary spending. Make a budget or change your budget so your spending can match your changed income until you start working again.

Seek other opportunities. Nowadays, there were few employment opportunities as against the number of workers. Seek other opportunities. You can enroll yourself to various seminars on entrepreneurship and start your own business. You can use your severance pay as capital to start small. Work your way and who knows, you might end up successful in your venture. Sometimes, bad things happen in disguise for better things to happen. You might even thank that you were laid off in your job.

Don’t lose hope. It’s not the end of the world yet when you were laid off in your job. Instead be positive. Be optimistic. Life goes on. Above all, pray, have enough courage to face this challenge and believe in yourself!

Be Optimistic!

Be Optimistic! Be Positive! That’s one of the most common words that we keep on hearing from friends when we encounter failures and defeats.

If you are inclined to be a pessimist, experts say to try to bite your tongue to stop those negative comments coming out, because everytime they come out, they’ll kill a bit of enthusiasm for life. A lot of times, it may be necessary to just pretend to be happy. So try to think of yourself as someone with a happy demeanor. Nevermind that you feel doom-laden, put a happy face!

How to be optimistic? Here are some ways:

Stand up straight and tall. When walking, stand up straight and tall. Experts say to lengthen your stride. If something insurmountable gets in your way, instead of feeling defeated, be turned on by the challenge and come at it from different angles, showing your determination!

An optimistic person feels their life has a purpose. If you feel pessimistic, don’t feed your unhappiness and go around bringing others down just because you feel that way.

I admit I have experienced this pessimism in one of my jobs before. And I always complain about things with my friends. They got fed up with me and a lot of times, they just don’t want to listen on the rants that I have. They are being driven away. Later on, I soon realized that I am one of the luckiest persons with the blessings that I am receiving and stopped thinking about those negative rants. Instead, I moved on and concentrated on the things that I should do to further improve my career and my future.

Be grown-up. Do you have unforgettable happy experiences? How about memorable night outs with your friends? Or a favorite song that lifts your spirit? These memories of wonderful times can definitely change your mood from being pessimist to becoming happy and optimist.

Don’t underestimate the happiness order can bring. Definitely, you’ll feel a lot better when you take a bath. And somehow, life itself seems to be happier when everything is clean and in order.

Getting fresh air and exercise will kick-start sluggish spirits within you. Get passionate about something that makes you want to do it whenever you can, so you’ll always have a reason to get out of bed. Allow yourself to give in to sublime moments of joy, bliss, ecstasy and the company of friends is an obvious boost. I am lucky I belong to a team of happy people in the office and we usually laugh a lot about small things.
If you ever feel sad because nobody is texting you, make the effort yourself to get in touch with people. It’s unlikely they are deliberately avoiding you, so make it your turn to make contact.

Get over it! If it’s you who is beating you up, stop it now and make yourself like you more. Stop being critical and dwelling on miserable thoughts. Think of your achievements and the situations in the past that you have handled well. Remind yourself of compliments you’ve received.

Keep your miseries in context. Many things that make you unhappy don’t warrant the attention you continue to give them. Forgive, forget and move on when people hurt you.

If all things don’t work, try to get yourself busy. Very busy. Over-thinking about something that is making you unhappy can make you feel worse, and often you only do that if you have a lot of time in your hands. Loving what you do as your job is a great comfort in unhappy times.

Our emotions affect our health. Research says that happy and optimistic people tend to live longer. So if you want to live longer and enjoy more of the things life has to offer, be optimistic!

Change Your Mind to Achieve Success!

I was watching this video by Anthony Robbins, one of the most successful motivational speaker. And I thought that definitely, it’s worth to share it to all my readers.

Tony Robbins talked about how to condition your mind to achieve success. Its all about chaging your beliefs and taking massive actions towards achieving your goals.

Each and everyone of us has its own potentials. But not everyone of us cultivates these potentials to become a reality. Have you heard of people who went from rags to riches? Have you heard of people who despite of their physical disability conquered success? These are manifestations that each one of us have potentials to achieve our goals despite our innate limitations.

Fear is what hinders us from achieveing these goals. We are afraid because we might fail and failures depresses us. Change your mind towards this kind of attitude because failures should serve as challenges for you to conquer. Failures are always part of every success!

In order to conquer this fear, you have to envision in your mind that you would definitely achieve these goals that you’ve set. If you want to become a millionaire, then envision yourself having that millions. But don’t forget to take actions. Conditioning your mind is just the first step. Acting on it is another. You couldn’t get the drive to achieve your goals if you haven’t envisioned it in the first place.

I would like you all to watch this very powerful and amazing video by Tony Robbins - it’s simply one of the best motivational tools in conditioning your mind in achieving your goals. It’s pretty long though, around 38 minutes but definitely it would motivate you to change your attitude and start thinking of achieving your goals in life.

Winner’s Creed

I want to share this powerful prayer called “Winners’ Creed” which I received thru a text message long time ago. It is an act of communication with God that guides us.

I know that prayer works as long as you coupled it with determination, will power and definitely ACTION. With God’s help, I believe that prayers can move mountains.

In Filipino, there’s a saying: “Nasa Diyos ang awa nasa tao ang gawa.”

Winners’ Creed
I am a winner.
I have faith in God.
I believe in myself and I know that everything works for good in the end.
Whatever I do, whether I eat, drink, talk and walk, I will win!
I am born to succeed
and I will not allow anybody or anything to stop me from achieving success in life.
With God’s help, I know I can do it because nothing is impossible with Him.
I will accept failure is just a part of winning and I must learn to overcome defeat and emerge as a real winner.
I know I will win because I choose to begin, so help me God.
Amen.

Winners vs. Losers

What are the qualities of a winner? What differentiates it as against a loser? Do you want to become a winner and avoid being a loser?
Here are some of the qualities of a winner vs. a loser:

A winner is always part of the answer.
A loser is always part of the problem.

Losers always complain and complain. They never stop. The reason their “issues” persist is that they can’t stop talking about it. Winners recognize problems but instead of complaining about them, in conversations, they talk about solutions. They talk about how to resolve the problem and they always think of ways to come up with a solution. A winner sees an answer to any problem while a loser sees a problem for any answer.

A winner always has a plan.
A loser always has an excuse.

A winner plans ahead of time. Winners set goals and targets and walk they way towards achieving it. However, losers always blame others and not themselves. They blame the lack of opportunity for their financial and economic status. They blame the traffic when they come late in the office. They can give any possible excuse that they can get.

A winner says: “It may be difficult but it’s possible”
A loser says: “It may be possible but it’s too difficult.”

Winners are strong to face the challenges that lies ahead when achieving their goals. They are positive minded. They are determined and confident to reach their goals. They usually have mentors who are successful and these mentors serve as inspiration for them. They say that if these people have achieved it, why can’t I? They always say: “I CAN DO IT!” However, losers are concentrated not on the possibility of reaching their goals but on the challenges and hindrance that they see in achieving these goals. They fail to acknowledge that discomfort and sacrifices are key ingredients to success. They say “It’s too difficult!” or “I can’t do it!” They are afraid of taking risks. And so they end up stale and not growing.

A winner says: “How can I afford it?”
A loser says: “I can’t afford it!”

Winners portray the attitude of Rich Dad of Robert Kiyosaki. It’s all about beliefs, attitudes and habitual language. When it comes to money, winners say that lack of money is the root of all evil. They say: “How can I afford it?” They open their minds and think of legal ways and means on how can they afford things that they like. On the other hand, losers say that money is the root of all evil. They say “I can’t afford it” and the list of excuses goes on again. They are closing their minds to opportunities.

In the end, winners are role models. They are hungry for growth and excellence. Their will power is so strong that they are so determined to reach their goals. They always put their best foot forward in every endeavor that they do. However, losers remain stale. They are not determined. They always blame others and give excuses. They don’t grow because they are afraid of risks.

Sometimes, we are winners but other times, we are losers. Which between the two qualities do you possess most of the time? Are you a winner or a loser?

Finally, I want to share a powerful prayer for winners - The Winners’ Creed