There Is A Choice

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Do you often wonder, why is it you're working hard in your job, yet it looks like you're not getting the break or promotion you think you deserve?

Every morning does it feel like just another same old day?

 

You wake up, you take a bath, you get yourself to work, and then, 8+ hours of boredom follows.

Fact is, you're not a Robot. 
You're a Human Being designed to live a life.

If you spend more than 40 hours a week for a job then you're up for several years of working-living this way, until the day you retire!


Nothing will change, unless you do something about it.

What can you do about it?

The good news is, you can do something about it. There is a Choice!

There is an alternative other than just being an employee working for somebody else, building another person's dream.

But only for those who "choose" to SEE it.

Coach Jervis
"I empower people to success"

0917.785.6451

www.ca2020.net

---

If you choose to Live Your Life other than taking orders from your job, attend our "Seminars on Building Your Wealth and Discovering your Financial Blueprint".

Our Wealth Courses are available in the following strategic locations

Quezon City, Ortigas, Makati City, Alabang


We also conduct Online Wealth Courses through Skype technology for Filipinos outside Metro Manila.


Contact me through the mobile number / leave a comment, or sign-up in our website http://www.ca2020.net (an invitation from Jervis)

Ten Reasons Why Join CA2020

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Whether you know it or not, you have a reason why you are here in this world. Isn't life worth living when everyday you wake up in the morning, you're happy because you are doing, breathing and living your reason for being?

Here are top ten reasons I share for those people who wants to know more about CA2020 and why they should be joining this awesome community.

1. Learn financial education, effectively!

Not a single soul get rich or financially free just by reading books or attending seminars.

The mission of CA2020 community is to spread financial education. We effectively carry out this mission by pure volunteering and service to others so they may realize that there's life beyond poverty and financial struggle. We teach and coach business based on actual lessons we get from real businesses.

2. Volunteer

If service to others is your calling, or simply you want to share a part of you -- for others -- then CA2020 is the community for you. You'll share part of your effort and time in doing the mission... because we are a community of 'mission before commission'.

3. Learn and Do Business and Investments

In CA2020, we learn business by doing real business. We invest time and OPM to gain time and money freedom

We are what we do, not only by what we read or say.

4. Growth

In the community, you'll find out why currently your financial status is right there below and outrageously far away from your dreams. As my mentor always say, "Money follows Growth"

This growth is about your emotions, intelligence, experience and mindset.

5. Communication Skills
Get a world class training when it comes to creating, honing, developing and improving your communication to people.Business is about relationships and trust. Good communication is the channel of good and trustworthy business relationships

6. Leadership

True leadership comes when you get to lead other people to success. Everyday, the core team members lead themselves and others in doing our mission of service to others.

7. Network

When you join CA2020, you'll get to be friends with people from a wide range of diversity - from cartoonist, doctors, engineers, realtors, CPAs, lawyers, public service-personnels, IT specialists, environmentalist, vegetarian, and so much more - having the same mindset of abundance, rich and success.

All of them dream and making First World Philippines happen.

8. Selling and marketing

Learn selling and marketing in today's information age. In the Core Team, we train ourselves in both traditional and non-traditional methods of marketing and selling. Our efforts are measured not by grades and report cards but by the amount of money we create.

9. Add value to other people's lives

In CA2020, we treat business like marriage. CA2020 is family to us. We learn from each other, we grow from each other.

By simply attending our community programs and events, you will gain insights to discovering what financial success means to you, the importance of beliefs and goals and taking steps to make your success happen. You will gain value from our wealth courses and Cashflow gatherings, because we simply embody giving value to other people's lives.

10. Know your reason for existence

Have you really put a good thought about what's your purpose in this world?

Whether you know it or not, you have a reason why you are here in this world. Isn't life worth living when everyday you wake up in the morning, you're happy because you are doing, breathing and living your reason for being?

All core team members joined because they choose to join, for definite reasons and for purposes. They choose a path where they don't want a life of just going with the flow, and their actions dictated by circumstances and by other people.

They joined because they choose to create their lives according to their purposes and their dreams.

How about you?

Do you wake up everyday excited to do what you're up to? Seriously, go ask yourself these questions.

Who knows, CA maybe the one thing you've been looking for.

The Core Team of CA2020 at Punta Fuego, Nasugbu, Batangas

--
Join CA2020.net today and become part of the community dedicated to creating a world of possibilities... a world that works for all.
Jervis
I empower People to Success

The Community of CA2020 in Pictures!

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As one of the community of Create Abundance's shutterbugs, it never fails to bring delight in my heart to capture every shining moment this community is bestowing upon each Core Team member and to others. 

I would like to share some of the group pictures I took for every community's celebration of success and contribution.

Success Seminar Celebration at Philippine International Convention Center, March 2010

Dream Building Punta Fuega Trip, January 2010

Create Abundance in Tagaytay City, January 2010

This is how we eat lunch as a family. Dalampasigan, Nasugbu, Batangas, January 2010

2nd Year Anniversary / Feeding Program at DSWD in Quezon City, February 2010

This is the community who shares their time contributing to others by doing our mission of spreading financial education and feeding programs.

Join us and be part of the community's mission and vision.

This is Create Abundance 2020 Business Community -- dedicated to create a world that works for all!

The Game That Can Change Your Life

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Cashflow is an exciting way to learn business and investing without the actual risk.
It’s practically an M.B.A. for anyone who wants to learn how to get out of the so-called “rat-race” and be financially free, rich and wealthy.
Cashflow is Money, Business and Accounting packed into a fun board game to play.
The game was created by Robert Kiyosaki, author of the best-selling business book Rich Dad Poor Dad.
There’s Cashflow 101 for fundamental investing. Cashflow 202 is for technical investing and challenging learnings. There’s also Cashflow for Kids.

The key lessons of playing this board game:

• Learn how to take control of your finances
• Learn how to write your personal financial statement
• Why most people are stuck in employment and job
• How to get out of the “rat-race”
• Get out of the “rat-race” by increasing passive income
• Learn the difference between capital gains and cashflow
• Learn leverage and use it to your advantage
• Learn Financial Education

This game is a simulation of learning business in a fun and exciting board game. It is a very effective way of learning financial education because it allows the players and participants to make mistakes during the game– in doing business and investments– without risking any actual amount of cash.

Is Success Guaranteed?

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All of us want to be successful. Yes, or Yes?

(Raise your hand and comment below why you don’t want to reach the success you’ve dreamed of)

The answer to the question “Is Success Guaranteed?” is a big NO.

The Meaning of Success

We may have different interpretations of what Success means, so to keep you readers on the same page as I am, let me define what I mean with it.

Examples of Successes

• Finishing first in a 100-meter track and field tournament is success for an athlete runner.
• Giving birth to a healthy child is success for a willing mother.
• Passing the RN board exams is success for a future nurse.
• Winning the election is success for a presidential aspirant.
• If you subscribe to the idea of this blog and act on it, is success to the author.

Success in general is the realization of an objective.

I am referring to the ultimate success of all. For me, the realization of a person’s dreams and life goals is the ultimate success.

Fact is, dreams and goals cost money.

Let me show you why.

Say, your dream is just to have a simple life with a simple family living in a simple house in a simple place, with a simple car. You would send your children to a simple school. You’d travel (with the entire family, of
course) to places at least once in a year. You want also simple things like tv, ref, phone, fixtures and others.

My dream calculator says:

Simple house – 2,000,000

Simple car – 300,000

Simple school (15 years at 20000 per year tuition) – 300,000

Simple travel (you wouldn’t want to travel alone right?) – 500,000

Simple things – 100,000

Based on above assumptions, to have your simple dreams fulfilled, you need 3.2 million pesos.

Excluding all the other necessities to live such as food, clothing, daily transport, utilities. Does it still sound simple? I don’t think so anymore.

Now what if you have BIG dreams? You can just imagine how BIG the cost you need to get to your dreams. Agree? =)

Failure is Guaranteed

Unfortunately for most, Filipinos are educated and trained to become employees. It is because the education system was and still is designed to produce employees instead of entrepreneurs.

Can you get to your dreams if you’re an employee? Answer: Absolutely not

Okay, you may be a high salaried joe with a 6-digit wage. This brings me to another fact.

Dreams need time. Time to spend your dreams with the ones that matter to you most. And I know that employee executives in a company spends more time than rank and file. Which gives them less valuable time to spend their high income.

Just ask yourself if your happy with the current state of your life. (I bet all of you would answer no.)

What is guaranteed in life? Answer: Failure.


Doing nothing entails failure. If you do nothing, nothing will happen and that will not get you any closer to your ultimate success.

If you do something, something will happen. It’s not guaranteed that you’ll be successful immediately. But if you keep on doing something, something is going to keep on happening. That’s where success will come in

Business is the only fighting chance we all have to reach our goals and dreams. Not just any business but big business as described here (click me). It’s because it’s business that will give you cashflow without you needing to work for money in exchange of time.

We, Core Team of Create Abundance, our mission is to share to you ways and means to learn business, to learn financial education. We learn it effectively by doing the real thing Because we want our dream of First World Philippines to happen. We want to succeed.

Are your DREAMS important to you? If yes, start doing something TODAY.

---
Jervis Salvador, teach a man to fish and you feed him for life


If you wish to start your journey to your dreams and would like to join our business community, sign-up to www.CA2020.net with an invite from "Jervis"

Good LUCK! Success awaits those who stand and make it happen

Why I Blog

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Q. What is this for me?
A. To express.

Q. What is the bearing for me?
A. A means to share my ideas and vision

Q. Why do I care?
A. If I don't, the ability to contribute in small ways will not happen

Q. Why is it important?
A. because contribution for me is a way of life

Q. Why do I do this?
A. I do this because I wan't to explore the wealth of possibilities

--
Jervis Salvador, teach a man to fish and you feed him for life
09177856451

The Importance of Dreams

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What if one day, you lost your dreams?

What if one day, you wake-up in the morning bored?

What if one day, you lost your desire to be the person you wish to become in the future?

What if that one day is today?

Would you let circumstances dictate your way?

Would you let other people design your life based on what they say about you?

Would you let others steal your dreams away from you?

Would you let fear take away your future?

Too many questions.

But get this.

Dreams excites the person within us. Try to remember some event in the past when you were day dreaming. Picture out the smile drawn in your face. The excitement you felt by just imagining something that you wish you have. Isn't it amazing?

These feelings of excitement drives us to DO and to ACT based what we want to achieve.

And through taking action we get results, we get our dreams.

The bigger our dreams, the bigger the actions needed for it to be realized.

I admire Martin Luther King Jr's dream for racial equality and end discrimination. It is an example of a humble and great vision that contributed to the well being of a lot of people. It took a huge amount of effort fighting for civil rights at the time. It even took his life.

Whenever dreams are lost, taken away, or put into oblivion, that's the moment we lose our selves.

Stop the action and the momentum equals ceasing producing results.

Because I believe we define ourselves by the kind of dreams and desires we set ourselves.

Would you still let your dreams get lost?

---

Jervis Salvador earnestly believe in the vision of Create Abundance 2020 of creating First World Philippines for the Filipinos.

Winning and Losing

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During my high school days, I'm an avid basketball fanatic. I religiously follow PBA and the NBA.

The concept of winning first occurred to me as I watched Sunkist team led by the Aerial Voyager Vergel Meneses collect trophies in 1995. Michael Jordan was on his second rise to fame when he led the Bulls on it's 3-peat championship.

After all these years, the losers of those basketball era are buried in the sea of memories. It's because everybody loves winners.

In business, there are Winners and Losers

In the book, Why We Want You To Be Rich, Donald Trump the billionaire who created the hit reality show The Apprentice - a winner in almost all points of view in business - chose to partner with another winner, Robert Kiyosaki, a real-estate and financial education guru who wrote the phenomenal Rich Dad Poor Dad and created the board game CashFlow 101 and 202.

It will not make sense if Trump co-wrote a book that aims to educate people and then partner with a poor loser. That is totally not a good way to influence people on lessons about getting rich and wealthy.

Are you with a winner or loser?


Go ask yourself if you're on the winning side of life or the losing end. You can simply do a check on the people you get advices from.

If ever you want to start or learn about business, it would be foolish to ask a friend or a relative that have the slightest idea about making one. It's no different when you want to learn a sport, like tennis. You don't go to your dad and ask him how to play tennis, unless of course he's Roger Federer. You go to someone who is an expert, a coach that plays and teaches tennis and have a lot of experience.

It's no different when you want to to become rich and financially free. It would be foolish to ask a co-employee about investing when he/she don't even know how to 'spell' passive income.

Work with Winners and You Will Smell Victory

It's a simple math, if you want to be financially successful, listen to those who have done it, succeeded and have results. It would be unwise to take advise from people you barely know. Practice due diligence, and take action.

Create Abundance 2020 is a business community where we teach financial education based on actual experiences, real business education and results.

--
Jervis Salvador is a Core Team member of CA2020.net
To learn more about winning the money game, please feel free to sign-up in our website


teach a man to fish and you feed him for life

Starting a Business and Why It Is Important

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If I didn’t take action and started my first business, I would have missed on a lot of lessons that are never taught in schools.

The year 2006 was the year I began to walk the path to entrepreneurship. I was like the many— an ordinary employee with a limited paycheck to boot. I’ve been working for several years and during that year, I felt I needed a change.

My plan was plain and simple— to earn extra income to augment my limited and always taxed salary.
I’d like to do a lot of things, like travelling to places such as hike on a mountain or a dip on a beach, discover digital photography, and treat my family and kin to a weekend hop to the mall or eat out in a fancy restaurant. These things normally require two things: money and time.

I thought to myself, having my own business will allow me to do those things and more.

My First Businesses

Robert Kiyosaki was the one who encouraged me to start my own. He said in the last chapter of his mega hit book, Rich Dad Poor Dad, to Mind Your Own Business. And so I did mind my own and open my first walking store—I sell cellphone e-loads. My first customers were my colleagues in the office.

The revenue from my cellphone loading business was low. So I began to think of creating a new one. Since I love digital photography, I created a digital photo printing business. Again my customers were my co-employees. But I decided to close it after 6 months for the following reason: I created a small business where I was the employee— which meant a lot more time to spend printing those pictures after office hours. The return was good but I was restless and sleepless and so I shut it down.

Other Businesses

I also tried money lending, joined binary network marketing companies that folded, opened a sari-sari store. These were the business I created and started before I became a Core Team member of Create Abundance.
Today, my eloading is still active, the sari-sari store is still standing, I’m on my way to being a full-pledged business coach and I’m riding the anti-aging mega-trend business.

10 Lessons

These are the valuable lessons I’ve learned, that I believe will never be taught in school or in the employment world.

1. Connect to people. I began to see the value of effective communication to people since this allows me not only to gain friends and acquaintances but to grow my network where I can reach out to them, by sharing products and services that I believe will add value to other peoples lives.

2. Selling. “I don’t like being sold at”, well that was I felt before I became an entrepreneur. I shun sales persons in department stores because I hate the feeling of being pushed to buy a product. Selling is one of the secrets to financial success. As Robert Kiyosaki said, “If you know how to sell, you don’t need a job”

3. More on Selling… Giver and Taker. If ever you decide to be a sales person, you have to choose if you’re a giver or a taker. A Taker simply takes with less disregard if he/she selling a valuable product or service. A Giver is someone who adds value to other people by giving more.

4. It’s 90% WHY and 10% HOW. The reasons are fuel to accomplishing goals despite hardships and obstacles. The reasons were no longer plain and simple. They are now my reasons for "being".

5. Business is more than a profession, it’s a vocation.

6. Solve problems for a profit. This is the entrepreneurial spirit and what excites me and other entrepreneurs.

7. Leverage. Doing MORE with LESS

8. Focus. Focus. Focus. Focus. In this era of information age, there are a lot of distractions. It's quite a challenge to be focus but it's a key ingredient to success.

9. Clarity of goal. How would you know if you have reached your destination if you don't know where you're going?

10. Taking Action. It's about moving and acting inspite of uncertainties and fear. Only actions produce results, whether pass or fail. If you fail, you learn a lessons. When learning you have better chances succeeding when doing it again.

Realizations and Future Outlook

If I didn’t take action and started my first business, I would have missed on a lot of lessons that are never taught in schools.

Being in the community of Create Abundance has amplified my perseverance and intention to be committed in achieving my goals.

--
Jervis Salvador
teach a man to fish and you feed him for life
09177856451

Power of Our Thoughts

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Henry Ford says, "whether you believe you can do something or you can't do something, you're right.

And he is absolutely right!

Our thoughts about ourselves determines the kind of life that we live.

If you say to yourself, "I CAN'T do it" Well guess what? You really can't.

But if you say to yourself, "I CAN do it". You definitely will.

These thoughts shapes our being and emotions which drives the kind of actions we take, or we don't take.

If you are living a life of struggle, you have thoughts about uncertainty and indecisiveness. Fear of something blankets your being.


If you are poor, you have poor words and thoughts. You probably lack self-esteem and live one day at a time. Tomorrow's come what may. You don't believe yourself that you can.


If you are happy, you think happy thoughts! It's impossible to express feelings of happiness when you're hurt or lonely deep inside.


If you are rich, you have a rich mindset. Your thoughts are about abundance and your actions purpose driven.

The good news is, we can control our thoughts. We can definitely regulate the feelings and emotions by the ideas we put within us.

Read further and take a look at the type of information you feed in your mind.

Television - what shows do you often see? Is it bad news and telenovelas? What kind of movies do you cry on or go gaga with? Unknowingly, when you always see or hear stories about betrayal, mistrust, infidelity (some of the typical plots of Filipino telenovelas and movies) you induce into your subconscious brain these attitudes.

Print media - what do you read? Which section of the newspaper do you spend time on, the frontpage or the business section? Tabloid or broadsheet? FHM or Entrepreneur? If you eat bad news for breakfast, don't be surprised when bad news greets your entire day.

Books - Rich Dad Poor Dad or Harry Potter?
Secrets of the Millionaire Mind or Twilight?
You can either be a wizard and vampire or be the next happy rich guy or gal.

Internet - where do you hang out online? Plowing virtual farms or reading sites and blogs that enrich your being i.e. health, wealth and success

Who do you talk to often - poor mindset people who always complain, blame and justify, or rich mindset people who think, breath and live abundance?

As you can see, you have the power in your hands to shape your thoughts and your life. You can control the images, sounds and words you absorb.

Self Assessment Exercise

1. Do you like the way your life is right now? In terms of love, spiritual and financial.

2. If yes, what is it that you like about it?

3. If not, are you willing to change it?

If you want to change something, the best time to do it is NOW.

And it will start by changing the way that you think.

Whatever you think is real becomes your reality - Robert Kiyosaki

What Makes the Rich, Rich?

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Rich people are those who have the ability to live the lifestyle they dream of without having to work for money or depend on somebody else for it.

Working for money is the last thing a truly rich person will think. Working for money is what makes poor people.

They let their money or their businesses do the work for them, so they can have the time to do the things they are passionate about.

If a person demonstrates being rich by flaunting expensive things such as a big nice house, a car, gadgets and other doodads (a.k.a. stuff that burns money away) but he/she is a self-employed, a small business owner or employed with high-salary, he/she is a perfect description of a middle class.

Rich people are those who work to build businesses or create assets that put money into the pocket. They don't work to have food on the table or pay the bills. They create businesses so that these business will be the one to take care of them.

They are excellent managers of money.

They don't waste their money on liabilities (take out money from the pocket) or unnecessary expenses.

Instead, they are practitioners of "delaying gratification" to create multiple sources of income.

This is why the rich do get richer. Their habits and mindsets of being good money managers and creating businesses are what makes rich persons, truly rich.

Do you think you have what it takes to become one?
---
Jervis is a volunteer facilitator and business coach for Create Abundance 2020 community for its free Wealth Courses and Cashflow events. 

We would love to see every Filipino take the opportunity in learning financial education as a means to impacting change in our society especially in the aspects of financial freedom and the struggle to fight poverty. 

Click the links for Wealth Course and Cashflow reservations.

What is Middle Class?

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Yesterday, I promised to tackle the reasons why the rich get richer, in contrast to the previous post - Why the Poor are Poor.

I'll delay that point for tomorrow's post. Today, allow me to give light to another category of people in the world of finance, the Middle Class.

To many, the Middle Class are neither rich nor poor. But for me, I consider them as still Poor for one simple reason. They are very vulnerable to becoming poor, simply by not doing anything. Becoming rich for them is difficult because they only know employment or self-employment.

A middle class is typically a person who has a high-paying job (example: a 6-digit salaried employees). Those who are self-employed / small business owner falls in this category.

Similar with the poor, they live a life of struggle. Their struggle is not because their income is not enough. As I said, they are high-income employees (the keyword there is 'employee') whose source of income is usually measured based on time spend in his or her job, or the amount of product or service he or she can deliver in exchange to their effort and time as a small business owner.

Maybe you're wondering why they are struggling despite their high-income.

The struggle comes from two primary sources:

1. The manner of earning it 
2. The habit of spending it.

As stated, middle classes earn their income through employment which require them to spend at least 5, 10 years or more, to get to a high-paying position, such as supervisor or manager or director or whatever.

When they get promoted, their income increases in proportion to number of rank and file employees they handle (this contributes to their headaches and stresses). Still, they are waged according to the time spend in the company.  In short, their income is directly proportional to the time they spent in their job. The corporate ladder is their life, where oftentimes office politics is the name of the game. They spend their time at work, working for somebody else's business, competing with their colleagues to get promoted. After several years, they realize they been working all their life that they've gotten old already, missed a lot of time away from the ones that are dearest to them.

The habit of spending their 6-digit salary often get themselves further to deep financial trouble. During paydays, middle classes spend their income with "stuff" they mistakenly refer to as assets or investments. They allow themselves to get strained with credit cards - a two edge sword - because they can't control their buying habits. They buy fancy gadgets, such as sophisticated cameras, cellphones, cars and sometimes a house - "stuff" that they think will make them look rich and not poor. These doodads drains money out from their pocket in a form of mounting credit card bills, loans and mortgages. When they do, they go back to their jobs and work themselves off (even if they vomit at the sight of their job) until they get burned, stressed out, and sick.

Why The Poor are Poor?

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Note: Welcome to 22 Blogs to Freedom series I will do for the next 22 days. It will end on March 5, 2010. Jervis ^.^v
________

Have you ever wondered why there are people who are rich while you’re not?

Or…

Have you ever ask yourself why is it that you are poor?

The answer lies on the pattern of behaviour between these two. In short, they have different mindsets that are worlds apart!

Let me highlight a couple of things to prove my point.

Poor people are poor because of a lot of things. They see things only as they are. They don’t go outside of their confine boxes. They don’t take action. They love to procrastinate and do other things, things that make them poorer everyday.

Example.

A poor person will remain poor if he continues to believe that working for employment is the way to financial success.

The only reason they know why they are working is to have a salary in exchange for their ‘time’ and ‘service’. To have a salary means to have something to pay for their expenses. They are working to have money to pay for the food they eat, the clothes they wear, the utilities, etc.

They see things only as they are. They don’t go outside of their confine boxes. They don’t take action. They love to procrastinate and do other things, things that make them poorer everyday.

Since the time they spend to work for a job is limited, the salary is also limited. If a poor person tries to extend this limitation (i.e. overtime work, working on a saturday or a sunday) they get stressed out, physically, mentally and sometimes spiritually.

They lose time with their family. They become robots.

They get sick, too. When they do, they will face a mountain of medical expenses which the company they’re employed wouldn’t pay 100%.

At the end of the day, they remain poor because their salary is limited in accordance to the amount of what they can do in a day.

Why the poor are poor is because their mindset are positioned in a way that they don’t even know or realize that they are being limited.

The secret of the Rich I will discuss tomorrow, so watch out!

So, You Want to Invest in Real Estate

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A lot of employee people who have realize that working for a company leads them to nowhere but their dreams and goals -- want to jump into business and investing with little or no knowledge about it.

A lot of them are sold into investing particularly real estate. They see it as a fast vehicle to creating extra income, because most people think owning a piece of real estate is a good and safe investment since they thought its value appreciates over time. Well think again!

If you have read Robert Kiyosaki’s book Rich Dad Poor Dad, he mentions there that “a house is not an asset but a liability.”

Who is Robert Kiyosaki anyway? And what is an asset and what is a liability?

(A Google search will reveal a lot of answers, but let me spare that effort for you)

Robert Kiyosaki is a big business investor and author of Rich Dad Poor Dad.

Rich Dad Poor Dad is a book about Robert’s two fathers: his biological father (his poor dad) and his best friend's father (his rich dad). Having two fathers allowed Robert, at a very young age, to see the contrasting views and beliefs of a poor and rich mindset. It was his rich dad who taught him the beings of rich people and guided him to becoming one.

The book was published in the year 1997; “it was the book that rocked the financial world”. It stayed in the New York Times best-selling book list for over 6 consecutive years, and 12 years later, we still see it sitting in the top 10 best-selling book, in the business category.

Further, he wrote a dozen other books about financial education which became best sellers too. He even co-wrote a book with The Apprentice creator-billionaire Donald Trump.

The problem with most people buying houses thinking that what they bought is an asset is simply because they believe that its value will go up anyway, and they can instantly collect a profit when they sell it.

What most people don’t see is that, since most real estate purchases are paid in a span of 10 or 20+ years via mortgage, this poke holes into their pockets unknowingly.

If the house doesn’t put money back to the owner (commonly in a form of rent or lease) the mortgage is a disheartening liability—that drains money out from the pocket of the investor.

My First Attempt to Real Estate Investing

About a year ago, I tried it out myself engaging in real estate investment. Wherever I go, I always look out for house-for-sale signs and get the contact numbers. I would also browse into newspaper classifieds and scan buy and sell ads magazines. I also got few foreclosed listing of commercial banks. I even sort out Sulit ads for real estate.

I inquired through some of the numbers I collected and here’s some of the information I got:

7-unit apartment | 9 million pesos (negotiable)

5-unit apartment | 5 million pesos

Single Attached house about 75 square meters in a booming property development in Mabalacat, Pampanga | around 750,000 pesos

Single Attached house about 150 square meters in a popular village in Laguna | 3 million pesos

Does it look cheap to you?

For point of illustration, I will pick the 5-unit apartment house which I found a few hundred meters away from our hometown in Angeles City.

Rental fee in Angeles City ranges between 2000-5000 pesos per month.

For 5000 pesos /month, my passive income for this piece of real estate property will be:

5 units x 5000 pesos/month = 25000 pesos passive income per month

Looks like a pretty income, wouldn’t you say? But that’s if all apartments are occupied and rented.

I would need a capital of 5 million pesos which I would probably loan in a bank plus a down payment of, say, 100,000pesos. What would be my monthly amortization look like? A good guess would be something around 15,000 to 30,000.

Let’s assume the monthly amortization is 20,000 pesos.

My monthly passive income will be:

25,000 (rents) – 20,000 = 5000 pesos!

Given all units are rented and all lessees take care of the property, all I get is a measly 5000 pesos!

Even if I have a cold cash of 5 million pesos ready to buy this apartment, this investment wouldn’t make sense to me because of the rate of cash return.

How many years before I can get back my 5 million pesos? Let’s calculate:

Income per year will be:

25,000 per month x 12 months = 300,000pesos per year

When will I get my initial 5 million investment?

5,000,000 divided by 300,000 = 16.66 years!

It will take me more than 1 decade and a half before I can fully recover my capital of 5 million. It’s also the total time before the property starts earning profit. I would be too old by then.

Conclusion:

Totally NOT a good investment!

A Life Long Process

I consider financial education as an ongoing and life-long process.

It doesn’t actually stop to just reading a book or two about real estate. It doesn’t even end when contracts are signed and money switched hands.

I decided to put on hold my plans of investing in real estate, because I realized I need a faster business vehicle which I can engage with that will allow me to build my credibility as an ultimate investor faster than 16.66 years.

In Create Abundance Life Entrepreneurship program, I am being taught of how I can achieve this by continuously learning the following

• Learning the Art of Leverage
• Having the mindset of the Rich
• Passive Income and Cashflow
  
• The Importance of Team and Systems, among many others.
  

He Choose To Live A Life of Abundance

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What’s in a name? – William Shakespeare

Who the heck is Jervis? And why are you reading this piece?
Jervis was born and raised in Angeles City, a Kapampangan.
His parents are Ilocanos, from the Nueva Ecija lands.
His father came from a poor family who only knew farming.
His mother is only daughter of a poor couple.

Jervis is an electrical engineer.
He studied hard to become a licensed one.
He even worked for his college tuition to graduate.
He once believed becoming an engineer will raise his status in life.
That he will be able to get rich and improve his family’s lot.
That was his father’s belief too.
So his dad always said, study hard, get good grades, so you can get a secure and high-paying work
7 years ago, he worked in Laguna with a thousand folks.
He worked there for 5 long years.
He worked harder and harder during those 5 years.
One time too many, he even worked 48 hours straight without sleep.
With a mediocre salary that can only support his basic needs without a penny to keep.
In a big factory of hard disk drives.

His father went to Saudi Arabia the year when he was born.
He only see his dad every 2 years when he goes home.
He grew up basically without his father on the side.
He grew up somewhat with an incomplete family and no one else to confide.
Throughout his 28 years of existence, he was only able to be with his dad for less than 1000 days combined.
Today, his father is still in Saudi Arabia, already working beyond retirement age, I'm certain he's tired.
His three brothers are in abroad too.
His eldest and youngest siblings are in Saudi Arabia, with his father.
The other one is in Canada, working for McDonalds.

They are all working overseas as employees for first world nations.
What his dad has demonstrated in life, his brothers are also doing.
But not him.
He choose the other way around.
He choose to stay in his motherland.
He believe that getting a job overseas with a dollars pay is not a solution to the common problems in life—problem of poverty.
He believe he can change the course of his life.
He earnestly believe he can change the course of his family’s plight.
He definitely believe he can bring back home his dad and brothers.
And he sees one day in the future, his family will be in one home together.

So he started changing his ways.
He began changing his thoughts in a haste.
He threw all his old books and old reading.
And read stories of successful people, and mindset-changing.
He quit his first job.
Got a replacement work with low pay, but with more time to spare for his life-changing ways.
And then one fine sunny day,
He found Create Abundance 2020.
A business community who love to help people.
A business school whose passion is to change the mindset of the Filipinos.
A community of persons who are purpose-driven.
A community of people motivated by big dreams and goals.
A community who sees Philippines—becoming a first world nation.
A community who wants financial freedom for everyone.
A community he considers, his rich family, with a rich dad, a rich mom and rich brothers and rich sisters.
Who are always there to support him, through thick and thin.
Who cry with him whenever he’s sad.
And laugh at joyous moments and times.

Jervis found a rich home.
Where he will grow strong, rich and abundant.
He welcomes failures so he can achieve success.
He empowers others to reach for their visions.
He breathes abundance so he can realized his dreams…
For himself.
For his family.
And for others.

This is his story.
A story of choosing to live a life of abundance.

How about you? What are you living for?

"Jervis Jumping For Freedom"