The So-called LIFE

Yesterday, I was in the office early. I mean really early, I was there 5 hours before office hours (Good thing I have a key). I had an interview that day in one of the company in Makati. I’m looking for a part-time job, a free-lance work or whatever. I want to maximize my time since I wake up early everyday doing non-sense thing. I want to be productive (really?!). I want to be complete (ano to centrum?!). Okay, okay I admit, I have a financial problem. Not that it’s a problem, it just my budget is really tight.

It all started on the first week of 2008 (sucks!) when we have to leave our home for some reason. We rented in an apartment where I paid 2 months advance and 1 month deposit. I thought this is the year where I can saved money, now f*** I have to pay it’s monthly rental. It’s ok to pay this if not to my credit card bills and sister’s tuition fees. But I have no choice, my father is still here waiting for his visa and I’m the only one who’s financially stable.

I checked my expenses and looked on what to cut to saved some money. I saw my gasoline expenses as the biggest one. I thought of not bringing a car or just schedule it for MWF but damn I CAN’T DO THAT. I’m so used to that already and commuting is so tiring plus it would take me 1-2 hours to get to Makati if I did that. Where as if I brought a car, it would only take me 30 minutes to get there and I have a “FREE” parking (thanks to my boss!) so why would I cut this. I looked into other expenses, however, no matter how I squeeze it, there is no way I can put money on my savings account.

Before the year-end last 2007, I bought an eyeglass worth 5 digits. I know that’s expensive for an eyeglass and to think I’m planning to have a lasik surgery before or after the year-end. Well, the reason for this, I wanted to look good. Some say I looked old and stressed (in short, ugly!) wearing the other eyeglass I had before. So I decided to boost my self-esteem by looking good. And I’ll be even more confident once I had the surgery (wish ko lang!).

I’m happy despite all these. I just finished paying one on the long list of my credit card bills, a cell phone that I used 25 days only before the snatchers took it from me. I have one also ending this January 30 and two more on July. (whew!) Thank God, this is a great relief. However, I still have one ending on 2009 but still I’m happy. At least, I only have one to pay for and that’s for good. I will never ever again commit the same mistake. The next time I want something, I’ll just go for cash.

I still looked positive this year. I’m going to buy a macbook this March. I’ll be needing this to accommodate all existing and future projects to come. I will get a new cell phone. I’ll pay monthly bills and responsibilities. I will still use my car everyday. And I will continue to do these because as I always say, “I’d rather be, if not rich, at least comfortable, than broke.“

“Money isn’t the most important thing in life, but it’s reasonably close to oxygen on the “gotta have it” scale.”

Making money — whether it be through investing in the stock market, managing your own business, or real estate — isn’t just about doing the math and coming out on top with a little luck. For better or worse, success is often determined by you and you alone.

Looking at some of the successful millionaires in the world, the money they possess may blind you or the notoriety the public bestows upon them distracts your judgment. But at second glance, there are certain factors that have contributed to their success and popularity. With almost every successful person, there are common habits that add to their wealth or catapult them into the spotlight. The good news is — you don’t have to be a millionaire to follow the same path and develop successful habits of your ow.

1. Be realistic.
   Realism is the fine line that you walk between optimism and negativity. A successful individual is a realist, which means that he’s never going to shoot himself in the foot by being negative, but he’s not going to take risks based on groundless conclusions.

   Consider Bill Gates. When he left Harvard to follow his vision at Microsoft, he took a huge risk. But that risk wasn’t entirely unfounded. Bill knew what the rest of us would later learn: personal computers would be the wave of the future if only software could be more user-friendly.

   You don’t have to be as far thinking as Bill Gates, but you should learn something from his decision making. Before you make a key decision, ask yourself whether you’re being reasonable. It’s a hard thing to do, but the most successful among us are able to step outside of themselves for a moment and evaluate the situation.

2. Seize the day.
   The best ideas in the world are useless if they’re not put into action. But action can be a double-edged sword because action for the sake of action can easily become reckless.

   The mindset that separates the men from the boys in this field is being uncomfortable with inaction. In other words, a successful individual will never sit around waiting for something to happen. He may not invest any money in a given year, but he’ll always be looking and exploring. That’s what made Warren Buffett such a success. His specialty is buying undervalued companies.

   Buffett has been beating the pants off the S&P500 since 1965, but it’s not just luck that gets him there. As a man of action, Buffett knows how to harness his aggressive side, but at the same time he has the discipline not to go overboard.

   Berkshire Hathaway — the conglomerate Buffett manages — has billions per year in revenues, which means a lot of buying and selling. But that kind of success keeps him focused on replication. Buffett continues to pursue the stated goals of the company by sticking to his rock-solid business plan. Deviations are not allowed. And the theory behind that is: Don’t fix what isn’t broken.

3. Have a master plan.
   Successful moneymakers may not have every detail of their future mapped out, but they do have some sense in their minds of the steps they’re going to take in life. Somewhere, they’re programming.

   Here’s an example: Scientists surveyed the Yale class of 1953, and found that 3 percent had written down financial goals for their futures at their college graduation. When the group reconvened in 1973, this 3 percent of the class that had started their careers with some kind of plan controlled more combined net worth than the other 97 percent combined.

4. Capitalize on your passion/knowledge.
   If you don’t love it, it’s nearly impossible to get others to love it. By focusing on something that you’re enthusiastic about, you’ll give yourself extra resources that can’t be quantified.Any financial undertaking is going to be hard and you’re going to have to put in extra work that you couldn’t have predicted. That’s where the enthusiastic man has an edge. When you’re working on your passion, you don’t mind the extra work. In fact, if you’re really on the right track, it won’t seem like work at all.

   Larry Ellison, the founder of Oracle, took his passion for mathematics and computers, and revolutionized the database world. That might sound unexciting to a lot of us, but to Ellison, it was a dream come true. Maybe your passions don’t have nearly as much commercial upside, but that doesn’t mean they aren’t worth looking at.

   Sometimes following that passion means putting yourself outside the mainstream. A lot of people shy away from this, and it’s true, you can go too far. But no successful businessman could ever be described as someone who followed the crowd. Successful individuals live outside the crowd so they can move the crowd. You just need to make sure you’re not too far removed from the crowd.

5. Have outer confidence.
   Confidence is the fundamental key to almost anything in life, whether you’re running a business, selling a product, or trying to finance your idea. If you don’t project confidence, you won’t get very far. But it’s more than just being confident that matters. Confidence allows you to surround yourself with quality people, who will push you and who you can in turn push to greater and greater heights. In other words, confidence is the building block that allows you to make the whole greater than the sum of its parts.

   In a nutshell, that’s the success story behind Jack Welch, the former CEO of General Electric. Rather than operating this financial empire by micromanaging people, Welch did what all of us should do: pick the very best people to surround ourselves with, give them a goal, and let them get things done. Welch even went so far as to find a business partner in his second wife, Suzy, with whom he co-wrote the bestseller Winning.

6. Check your feelings at the door.
   It’s nothing personal; it’s just business. Those are words to live by, but too many individuals fail because they take it personally. A friend might tell you that your idea stinks; rather than get defensive, find out why he thinks your idea stinks. And never let the criticism get you down. The more success you have, the more criticism will be thrown in your direction.

   Few people recall that the nineties were lean years for Donald Trump, who was on the verge of personal bankruptcy. As a successful businessman and a celebrity in his own right, naysayers were lining up to watch him fall. Did he? Of course not. Trump buckled his belt, dumped underperforming investments, raised revenues, and put himself back on top. What he didn’t do was listen to people who were clamoring to watch him fall.

7. Feel entitled to your moneybags.
   Do you feel positive about money? Do you think there is not enough to go around, or that you should feel ashamed and guilty if you have more than someone else? If you believe millionaires are scrambling to gobble more of the pie at the expense of others, you’re not thinking like one.

   If you feel negative about money, or you don’t feel entitled to it, you have a lot of what is called “poverty thinking” and that will defeat the other traits that enable the millionaire to achieve. Remember: Self-made millionaires feel justified and worthy in their use of money.

The essential thing is to know where you’re weak. If you’re lacking in one department, be honest with yourself and build on that deficiency. Or, find a friend that you can trust who complements your strengths and weaknesses. Remember: You are your No.1 asset, and it pays to know yourself inside and out.

SOURCE

Nasa library ka nga naman…

I heard a news, Prison Break will return on January 14 (Jan. 15 sa ‘Pinas). I can’t wait to watch it. Masyado ko nabitin…