Are You Listening to Your Signs?

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The last weekend wasn't good for me.

I was in the hospital seeking medical relief for the most painful case of stiff neck I had for as far as I remember.

The pain was absolutely grueling.

Every movement of muscles on the left side shoulder and neck meant immediately an avalanche of pain as if I was hit by a truck!

Getting up almost made me weep. I had to pull every effort of care to make sure not a tissue will move.

If you can measure how heavy the punches of Manny Pacquiao are, the pain I experienced saturday and sunday was like me getting beaten by the great boxer of our time.

I tell you, it was really painful!

So I spent the Sunday afternoon in the triage area of a hospital.

But this time I had to suffer again. Not from the shots of the vaccine but from the sights of: 2 deaths in the emergency trauma room, helpless looking women in wheelchairs, a lady vomiting black mucus (eew), eternal crying babies and a wandering schizo.

Perhaps, the psychological beating was more painful than the physical, won't you agree?

The Cause

The truth is, I didn't listen to the signs.

Earlier last week, I was already having a strain in the nape. Tolerable that is. So I didn’t bother.

It started as early as Tuesday. Still I didn’t bother.

The way the bed and pillow and a bunch of stuff (supposedly not in the bed) was arranged caused the straining neck. Again I didn’t listen.

Saturday morning. I went jogging with the hopes of my fat belly getting smaller. Again I didn’t listen to the hurting neck. Just as I was to finish the 2nd kilometer stretch I felt a stinging blow on the left shoulder neck area. And the rest was history.

What if

Yeah! What if I listened to the signs?

It surely made quite a difference. I wouldn’t have missed the Cashflow event last Saturday (when we have a new venue by the way).

I would not have missed the Wellness Gathering event in the late afternoon; I believe amazing and new surprises had happen in the Create Abundance community this weekend.

Instead, I spent all day, recuperating from the pain, lying down, sleeping yet hurting and almost immovable.

“I suffered because I didn’t listen to the signs”

Are you listening to your signs?

As I write these, I’m still not 100% recovered.

So I would like to ask you dear reader if you are listening to your own signs? Signs, not only of physical health but most importantly of financial well-being.

Below are examples of what could cause a personal financial crisis and disaster.

Signs of Looming Financial Disaster

1. Zero skill in managing money. Does this happen to you? You get your salary on payday. You feel happy. You spend, spend and spend, and 1 or 2 days after you’re back to square one, scrimping on what’s left over. The days feel like hell. Until payday again, you spend, spend and spend and…

2. Max-out (or almost) credit cards. It goes back to mis-management of money. Coupled with spending money on “doodads” or on things you unnecessarily need and want but takes away money from your pocket.

3. Inability to determine if an expense is an Asset or a draining Liability. Most of the time, people buy high-end cell phones, low priced installment cars, or a pre-selling condo thinking that they got the best deal because they thought that “these are investments”. They earnestly believe (especially for real estate property such as the condo) will “surely” sell for a high price in the future. (~> says who? --Jervis)

4. Lack of discipline. Need I say more?

5. Lack of, or no priorities in life. Yes, what is it that matter to you most? The next gimmick to the bar or your buried childhood dream of becoming the richest man on the planet?

6. Addiction. This applies to addiction to games, tv shows, to vices and etc. Example. At 2 pesos a pop, a stick of cigarette is really cheap. But a stick of cigarette for 365 days is 730 pesos a year. It cost you money and a hole in the lungs. And who says you’re only smoking one stick a day?

7. Fear. You’ve been saving money all your life. Because you fear that disaster might struck you one day. And you fear you don't have any money to pay for it. Well guess what, you might just get it!

8. Your neighbors opinion dictates you. You see your neighbor, either at home or the neighbor cubicle in the office or the neighbor facebook friend, sporting a brand new thing. You got jealous and you want to show to the world you are better than the rest of them so you spend for your ego.

9. The habit of over-spending. You bite more than you could chew. In short, you spend more than you earn.

10. You are easily hyped.

These are just 10 signs that will surely cause financial distress. Please add in the comments what signs you can think of.

3 Things You Can Do to Win a Healthy Financial Life

Get financially educated! You spent 4 or 5 years trying to be an accountant, or engineer, or some skilled IT guy because during the time, those that around told you that to be "successful" you must complete a college degree. Later you realize that life is really unfair. That not everyone will get a job. And even those that have job fair no better. They complain on high taxes, are stressful and all. If you spend time and money learning biology, physics and HRM, well spend time and money to learn how to make money!

Create Abundance International Community offers two (2) financial education programs that can be availed by almost anyone. The WEALTH COURSE and CASHFLOW 101. Both programs are designed to liberate your thinking from an employee mindset into an abundant big business owner mindset. (If you're interested to avail these free and paid programs, drop me a comment or txt me 09177856451)

Set goals and prioritize your life. We only get to live once. Why not live and get rich? People tend to drift because they don't know where they're going and what do they want in life. Remember, if you don't know where you're going how do you know it if you have arrived. So set your goals and bring back those dreams you had when you were a child.

Take action. Nothing happens when you just read this and that. You have to be push yourself into action to create genuine results. Embrace mistakes and failures. It’s a part of life and success. Nothing in this world succeed without ever meeting a failure. And as soon as you reach success, don’t forget to celebrate and share.

There I'm done! Hey, I just realized the weekend wasn’t bad after all!

Until the next post..

Coach Jervis
(0917) 785 6451
Create Abundance International Community
"We empower people to be free"

The Taxi Driver's Appeal

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Everyday is always extraordinary.

Whenever I ride a taxi, I always pull and anticipate a quality conversation with the man in the driver seat.

It was 15 minutes prior 2pm of yesterday when I boarded a typical white taxi along Kalayaan Avenue ~ a few meters from Saint Andrew’s Church in Reposo, Makati.

The sun was up blasting it’s usual painful UV rays, so riding the jeepney would surely make me sweat. Besides I was really in a hurry so I took a cab and sped off.

Manong driver was old, wearing glasses and a cap. His entire hair is almost white. He was silent at first. The radio was on and tuned-in to an A.M. station.

I wasn’t particularly paying attention to it, until there was a female voice iterating her success story about finally claiming her pension from SSS after probably hurdling some “delays” and “stressful issues”, purportedly with the help of the radio station’s public service unit.

Literally, as soon as the radio commercial kicked in, Manong driver heave a long sigh of desperation. Immediately he uttered expletive words cursing the pension institution.

Obviously, he was complaining about SSS’s inadequacies and delays in releasing pensions to retirees.

He further cement his claim when he told me that he was already 64 years old, still working as a poor taxi driver and literally can’t afford to retire because SSS is yet to materialize his monthly cash flow that will sustain his needs for the rest of his life.

His Kumpare suffers  the same. He shared to me his Kumpare’s fate ~got sicked and everything, and yet the claims has not been given duly.

Endless Complains Follows

He complained a lot during the 20-minute trip. He complained about SSS, blamed SSS for his inability to retire.

He complained on SSS’s allegedly giving special and quick favors to relatives or close associates when these are the ones needing help.

He even complained and blamed the government, as if the Office of the President caused all the reasons of his poor state.

Loser

This may sound rude to say, but Manong Driver is a loser!

He’s already 64 and he has yet to realize, for himself, that his entire life has been driven by circumstances and the whims of those that surrounded him.

He is a loser because he bet his entire future on SSS alone.

Yes I believe he is a hardworking man. But he was busy for most of his life. Busy trying to make a living day after day, trying to make ends meet so that his family will have food on the table and send his children to school

What he didn’t know, he was busy his entire life working hard to make somebody else’s dream happen. And that’s, the dreams of his former employers and company he worked for.

Full Circle

Almost a decade after, all of my friends are busy. Whenever I tried to reach them out, call or txt or email, they either send me a busy response or never response at all.

I share them a golden opportunity, an investment of financial education, the free wealth course, yet most of them were busy. Last year they were busy. Today they are still busy. Isn’t it funny?

The fact is, we are all busy!

Perhaps the question everyone should ask themselves, what are you busy working at? Are the things that you do today, as in now, will move you forward to something that will liberate you from modern slavery?

Think about!

Think about the taxi driver. Sooner or later, you may find yourself in the same situation... hopeless, cursing and complaining.

Remember, if you want a bright tomorrow, it has to be created today.

One question

Before I get off the taxi, I ask Manong a simple question. Ano po ang plano nyo nyan? He answered, he will do everything he could, including getting help from radio stations and superheroes. If it requires him everyday, he would literally knock on SSS doors until he get that pension which he will begin on his 65th birthday next year. I said, good luck, handed him my payment, step down and never looked back.

How about you? When are you going to be busy for your dreams?

Until then,

Coach Jervis
Business Coach
Create Abundance International Community
"We empower people to be free"

Why Do You Need Financial Education Anyway?

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Okay, I am going to explain in a very simplistic manner why everyone should be financially educated.
The subject of money is a mystery and controversy for a lot of people. When I say a lot, i mean a lot, like millions of Filipinos.

Some would even shun discussions about pursuit of wealth creation, primarily because most of them think that becoming rich is something or relatively bad.

Although there are indeed bad rich people, it shouldn’t be used as a general rule for everyone.

What is Money

We need money to buy food so we could eat and nourish our physical needs. We need money for transport (plane, boat, bus, car, jeep, tricycle, and even pedicabs). We need to pay for the electricity. We need money to pay for water. (Who doesn’t want to take a bath?) We need money for a lot of things: communications, hobbies, playtime, wants, and even to help other people and donate to church or other cause oriented organizations.

With all these reasons, I hope you agree and understand that money itself is not bad, and the pursuit of wealth creation is neither!

It depends entirely on purpose for which great wealth is pursued. If your purpose is wicked and downright bad, then great amount of money will amplify your wickedness. But if your reason for being rich is to help other people, to solve other peoples problems, to add value to other people’s lives

Why Do You Need Financial Education

Here’s are simple reasons why

"FREEDOM"

Since money allows you to have the ability to live the lifestyle you desire, then being poor in knowledge with the subject of money is equal to being slave to your job.

Why? The income you can earn from your job is limited. Highly taxed. It is equal to time spent at the job. So you are not free. You cannot do things that you love to do, while at work. You can only eat lunch according to rules set by your company. You cannot get out and go as you wish. You can only do things you are contracted to do, so they will pay you. If you don’t work, the company don’t pay. Plain and simple, it’s like prison in it’s subtlest form.

If you are financially educated, you will know how to make money work for you, instead of you working hard all day all week just for a paycheck


"DEBT"

And because you don’t know how to manage your money, you’re probably drown in bad debt. (Yes, in case you don’t know, there are two types of debts: good debt and bad debt.)

I’m sure you know what it looks and feels like when you’re in debt with another party (person, credit card, loans, mortgages, etc) You work hard to make payments. You stress yourself out by extending over time at work, to increase your salary because a great share of your wage is already eaten up by your bad debts (also known as liabilities).

And you whine when tax eats up several thousand of pesos, and sadly, you just whine but never do anything

Newsflash! These bad debts come from your bad spending habits. And bad spending habits are result of financial illiteracy!



"CHOICE"

Have you experienced watching a movie, and when you watched it was horrible and ugly? And you hated it!

Would you go back and watch it again? Of course not! (I’m 101% sure that would be your answer) Why would anyone with a sound mind would watch a horrible movie again?

You will not see that movie again because you have a choice not to!

But when it comes to your job. There will come a time that you will hate it, if you don’t yet feel it. Admit it or not, you will hate getting to work for a lot of common reasons:

>> You work hard and your paycheck seems not worth your effort
>> You like your job and do your best but your boss gets the credit
>> You work hard and juggle different loads even if it’s not in your job description when you were hired
>> You used to like your job, but now you’re bored. It seems like there’s no more growth. Nakabobo as they say in the vernacular
>> You’ve been working for years and you feel like the company doesn’t recognize you. They don’t promote you
>> You complain a lot about your salary and the taxes witheld
>> and the list goes on and on

Despite these reasons, enough to really hate it, you still wake up in the morning Monday to Friday (and sometimes even Saturday and Sunday) and hurry towards your job. You hate it but you still do it. Because you “don’t have a choice” and it pays for your bills and expenses.

If you are financially educated, again, you will learn how to make money work for you, instead of you the one working for money.

When you do, you will have a choice. A choice to live a lifestyle according to your wishes and purposes. A choice to design the course of your life the way you want it, and not be dictated by circumstances and other people.

Becoming wise about money and learning financial education is a choice itself. You need to choose to be financially educated.

Are you ready to choose to be rich?

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If you are, start your journey to freedom from bad debt and freedom of choice. Learn financial education through the Create Abundance 2020 community Wealth Courses and Cashflow events. RSVP to these Events by sending me sms or leave a message in the comment form.

Jervis Salvador
"teach a man to fish and you feed him for life"
0917-785-6451

An Invitation to a Life of Abundance

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Create Abundance 2020™ Business Community is an organization that supports financial education to the Filipinos. We effectively educate by "Doing the Real Thing".

Mission and Vision

Our mission is to spread financial education throughout the nation and the world.

Our vision is to create 1000 team-made millionaires by the year 2020

We dream BIG and we are committed to making our beloved Philippines become a First World Country

• If you're a person who would like to create change for yourself
• If you are an employee and is getting tired of living from paycheck to paycheck
• If you are a student who would like to make a step further to achieving your goals
• If you are a person who would like to add value to other people's lives
• If you would like to know your purpose in life

JOIN us, and become part of the Core Team who want to make a difference to their lives and to the lives of others.

Because "There's No Higher Purpose Than Service To Others"

Everyone Can Join

Simply go to CA2020.net website and sign-up.

Write your Name
Upload a proper profile photo
Put "Coach JERVIS SALVADOR" in the "Who Invited You" section

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Create Abundance™ 2020 is an exclusive community whose purpose is to empower people and organizations to generate and fulfill new possibilities based on gifts, generosity, accountability and commitment.