Sunday, June 9, 2013

The Simple Resort Guide for Lanzarote Holidays

Lanzarote holidays are definitely a top choice for lovers of sun, sea and sand. Despite its ability to offer a welcoming Spanish ambience, the exotic location of Lanzarote holidays means that travellers can benefit from year round stunning sunshine, with summer highs reaching well above 30 degrees C.

It may sound a little too good to be true, but Lanzarote holidays don’t have to cost the earth. Thanks to low cost holiday websites like ( deals to the Canaries are now amazingly affordable, meaning you can escape for less, with more cash to splash on spoiling yourselves in the Spanish sun.

When it comes to choosing where to stay on your Lanzarote holiday, there is a wide variety of resorts to choose from. Although not the liveliest of the Canaries, losing out only slightly to the vibrancy of Tenerife, there is a good selection of areas in which to stay, to suit all.

Puerto Del Carmen

Bask in balmy rays by day and party hard by night? Sound right up your street? Puerto Del Carmen is just for you. This resort may seem timid to the naked eye, but as night falls the neon bites through as the Del Carmen becomes the party capital of Lanzarote.

Playa Blanca

Playa Blanca is the best resort in Lanzarote for beach lovers. Located to the south of the island, Playa Blanca boasts three breath-taking beaches, complete with sugary sands and clear waters. If you like to kick back, relax and safely soak up the sun, this is the resort for you.

Costa Teguise

Perfect for sporting fanatics and families alike, Costa Teguise is a contemporary resort with modern accommodation and amenities. With safe shorelines for the small ones, and watersports and golf courses galore for the big kids, Costa Teguise is a chilled-out base for a rejuvenating Lanzarote escape.

Whenever you’re hoping to travel in 2013, take a look online at bargain Lanzarote holidays.

Thursday, May 16, 2013

Making Memories in Majorca

Majorca is a magical holiday destination that brings happy holidaymakers back to its sun-drenched shores year after year. It's the type of place that creates wonderful memories and, whether you fancy all inclusive Majorca holidays or chic city breaks, has the ability to appeal to holidaymakers from all walks of life. So, what's the secret?

For starters, Majorca is deliciously diverse. It's packed to the brim with stacks of different holiday experiences, ranging from the classic appeal of sea-and-sand beaches and bustling seaside resorts, to its tiny fishing villages and rural retreats. Wander into cosmopolitan Palma, the island's capital city, for a day of sightseeing and shopping. Hire a car and drive along the coast to discover tiny secluded villages and clusters of whitewashed houses. Explore shady olive groves and hike through the island's beautiful rural interior. This glorious Balearic gem has certainly got variety in abundance.

And where accommodation is concerned, the range of hotels and apartments in Majorca is nothing if not diverse. Whatever you fancy, you're bound to find it here. All inclusive Majorca holidays are well covered with a fantastic choice of hotels offering all inclusive dining options with all the food and drink you could ever wish for. Some all inclusive properties go one better by offering additional perks like free sports lessons, reduced green fees on the local golf course, or discounted spa treatments.

If any of these holiday experiences tickles your fancy, you'll find all of these plus many more through tour operators like Thomas Cook. With package holidays you get the benefit of a stress-free experience with all of your travel essentials covered, plus, you'll often find plenty of money-saving deals and special offers advertised throughout the year too.

So, when will you start making memories in Majorca?

Thursday, May 9, 2013

Mayerling Performed by The Royal Ballet

Ballet fanatics will probably already be aware that the Royal Ballet is performing at the Royal Opera House once again, this time depicting the great tragedy of Prince Rudolf of Austria-Hungary in the ballet titled, “Mayerling”.  The ballet is based on the true story of the Prince, his wife and daughter, and his mistress and the events leading up to the tragic deaths of the Prince and Mary Vetsera in1889.  The Ballet has already in session and is running until June 15th 2013 at the Royal Opera House in Covent Garden.  Staying locally is no problem, click here to check the Travelodge hotel in Covent Garden and book a room, that way you can absorb the experience without having to rush to travel home.

The Mayerling incident is well reported and is cemented in the history books as one of history’s greatest tragedies and part of the events that led to World War One.  The Austro-Hungarian Prince Ruldolf was forced to marry Princess Stephanie of Belgium against his will for political reasons.  He was then tormented by his love for another woman and faced with political troubles outside his control until he ultimately committed suicide in an alleged pact with his mistress Mary in January 1889.  The story is wrought with passion and violence as well as romance and desperate sadness.  The Royal Ballet do an incredible job of capturing all of the emotions in this complex tale with elegance and a class only found in the arts.

The story has been dramatized in film, television and theatre, but frequent viewers of ballet will know that there is a certain heighted drama about depiction in dance.  This adaptation was written by Kenneth MacMillian and first performed in 1978.  The music, written by Franz Liszt and arranged by John Lanchbery, captures the high drama of the story and tells it well.  For the dancers themselves this is a challenging arrangement and has one of the most complex male dance roles there is, so expect something spectacular from the male lead.  There are also 5 female lead roles with the dancing style purposefully pushing the boundaries of classical ballet.

The Royal Ballet Company are based year round at the Royal Opera House and are internationally renowned as one of the best classical ballet companies in the world.  The company are 100 dancers strong, each one as talented and as disciplined as the next.  This brilliant dance company combined with the majestic spectacle of the Royal Opera House makes for an exceptional arts experience that transports you to Austria-Hungary and the era of Prince Rudolf.

Everyone from a true ballet convert who has seen many performances in the past, or a newbie who enjoys history and tragic love stories akin to Romeo and Julliet, should go and see the Mayerling at the Royal Opera House.  There is no dialogue in ballet, but the story and emotion will be so apparent that there won’t be a dry eye in the house.

Sunday, April 7, 2013

Before and After

Wow!! Time flies so fast that it's been two months since my last blog post. So many things happened, I get rehired by my previous employer, and realized many things. I was given the opportunity to fix (again) the company's computer network/system and in the same time have some little projects for my company. I've met my old colleagues and some new employees. I've heard again their endless sentiments and it's quite hard not to get involved but I tried my best to keep my cool.

I've met different top executives in the past and I've realized how much I've grown as a person. Now I know how employers and employees thinks. Their different perspective in getting things done, their different styles and their priorities in life and business/career. 

One thing I really don't like about supposed managers or supervisors even on top executives is when they panic. Panic is born out of fear. For me, managers should learn to lead because its how their subordinates see them. What will happened if everyone in the corporate ladder panics and although get the job done. Something else will be sacrificed in the process. It may be respect for your boss, yourself/confidence or quality of your work. 

I might say I really missed the old team on my previous company. The time when all of us are working as one. Not because of the money but we want to company to grow as we grow. We enjoy what we're doing and respect one another. At this point, I still believe that something good will happen and everything will turn out just fine.

Wednesday, February 6, 2013

Job Hunting is like the life of Pi

Few weeks ago, I've watched the movie the "Life of Pi" because my girlfriend keeps on insisting to watch it. To those who haven't seen it yet, I have to give you a spoiler alert so don't hate me after reading this post ok? ;) As I watch the movie, I can't help but relate on his life and realize many things that happened on the past and what's happening at the present.

During his youth, pi short for piscine was making fun of by his classmates because his name sounds like "pissing". He tried to change it to "Pi" pronounced as pie. His early attempts failed but he never gives up and memorized almost a whole blackboard of the value of Pi. To those who doesn't know or remember a Pi is a mathematical constant that has a decimal representation that never ends. Pi became a math legend on his school after that. Bottom line is, he turned a negative event to a positive one. 

I remember that time in College that I need to transfer to another school because of low grades on my previous one. I swear to myself that if given a second chance, I will change for the better and graduate. I did graduate with flying colors and met many amazing people during that time.

Back to the movie, Pi and his family needs to migrate to Canada because of a conflict with the Government in India. But as he went out of the room to see the animals, He finds out that the ship is sinking and he was thrown in a small boat by the sailors. After the storm, Pi found himself with animals like the hyena, orangutan, zebra and a tiger. Eventually, only the tiger survive and Pi needs to make the best out of resources available.

For me job hunting is like this. It's like you're on a small boat with a limited resources and during the interview you'll meet different people. There's the zebra, professional interviewers that wont notify you if you're not hired or they already hired someone. In short, they just don't care. The Hyena, interviewers that loves to laugh with you but say bad things behind your back. The orangutan, interviewers that will really help you like your parents and tell you the truth (if you're not hired). And lastly the Tiger, a strict and ferocious interviewer but will still consider you for the position you're applying for.

Oh by way, I'm still job hunting and sometimes I'm really losing hope and feeling anxious about it. But during these times, I realized many things that I've taken for granted. Now I appreciate and value my time and money more, because like Pi in that small boat I too have is making the most of what I have.There's a quote that the adult Pi said that I remember the most and helped me a lot. 

"Even when God seemed to have abandoned me, he was watching. Even when he seemed indifferent to my suffering, he was watching. And when I was beyond all hope of saving, he gave me rest. Then he gave me a sign to continue my journey." 

I do believe that everything happens for a reason and I know one day, God will give me that dream job I'm searching for.

Saturday, January 12, 2013

Back to the Old Drawing Board

One year ago. I've decided to quit my job and become a full time entrepreneur. Fortunately, I've become one and it's not an easy road to take. I've learned so much last year about business and money that I've decided to come back to the work force this year. 

Why? You asked. Being an entrepreneur is really cool but at this time I don't feel I can give up my career either. It just doesn't feel right. This year I've learned so many things and I came to understand how it feels to be an employer and an employee. I met so many amazing people that I've learned to realize that I've so many things to learn to become a full time entrepreneur.

I'll listed down below some of the most important things I've learned:

1. One of the pros of being an employee is that you can easily build new connections and enjoy the company of your colleagues.
2. If you're starting up a business don't quit your job yet unless you have a sufficient capital, a good network, a good cash flow from your business and you understand the business 100%.
3. Being an entrepreneur is like growing your own kid. If you didn't pay attention to it and nurture it, it will not grow and eventually die.
4. I believe that there's always a transition from being an employee to becoming an employer. You will know when it comes.
5. Sometimes being always at home or doing your business at home sucks. That's why having an office is very important.
6. Defining your market at the beginning is very important. If you can't define your market, just answer this question what problem does your business is trying to solve?
7. Don't believe everything about what people tells you. Always trust your instinct and test everything before jumping into something.
8. Most of the time, most friends are not good business partners. Everything changes when money is involved. It is best to start a business on your own or with your wife/husband.
9. Have fun doing your work, be it on the office or your home.
10. And lastly, don't be discourage by failures. At first, most people won't believe you or your business but don't stop and never ever quit. Persistence is the key to success.

Friday, December 28, 2012

Awesome Bum 3.0

November is always very special month for me. Yup, it's my birthday last month and I'ts been a very busy week since then. Me and my family (relatives and girlfriend included ;)) were together on a trip to Tagaytay to have an ultimate bonding experience and I'm very lucky that my birthday falls near a long Halloween Vacation.

Anyway, I've turned 30 this year and I'm kind of sad and happy at the same time. I'm happy because everything is almost perfect. My parents/aunts/uncles are still alive and healthy. Me, my siblings and cousins were still close but most of them are married to their laptops so its hard to get their attention and the only time I can talked to them seriously is when we're out eating and drinking :). And lastly, my girlfriend was accepted as part of the family.

I'm sad because I'm not on my twenties anymore. It's the same feeling when I turned twenty ten years ago. I remember I told my friends that time that I'm not a teenager anymore. And their joking about it and told me that I'm still "twen-teen". Anyway, I reflect and asked myself why am I sad about it and I realized I've lived an awesome life during the past ten years. A good, awesome life.

And now, I've decided to act and improve more everything about me. I want my 30's to be more awesome and happy than my 20s. I've listed below some of the things I've planned to do during the next ten years.

1. Spend more time with family and friends.
2. Get married with my girlfriend.
3. Lose weight and exercise more.
4. Meet new amazing people.
5. Travel around the world. (if given the opportunity)
6. Get Career Certifications (I'm an IT Professional so I really need this.)
7. Learn new things like photography, painting or cooking.
8. Learn a third language (Japanese, Korean or Mandarin?)
9. Buy and develop more assets (business and investing)
10. Have my own car.
11. Join an organization. (Habitat for Humanity?Gawad-Kalinga?Greenpeace?)
12. Pray more often.
13. Taste different kinds of food.
14. Celebrate life everyday because it is really a beautiful miracle.

So that's it, maybe I should act like an adult now, but I guess I'll always be a child at heart. 

Friday, December 21, 2012

The End

It's 12/21/12!! According to a popular belief, the world is supposed to end today. Well it's still too early to tell, its exactly 2:18 PM (GMT +8) at this time of writing so its still not Dec.21 in other countries. Anyway, I researched about the origin about the "Mayan Prophecy" regarding the end of the world and I found out that it all starts a long time ago. 


"The story started with claims that Nibiru, a supposed planet discovered by the Sumerians, is headed toward Earth. This catastrophe was initially predicted for May 2003, but when nothing happened the doomsday date was moved forward to December 2012 and linked to the end of one of the cycles in the ancient Mayan calendar at the winter solstice in 2012 -- hence the predicted doomsday date of December 21, 2012".

What Dec.21-2012 really is according to Mayan Calendar via Stunning and Interesting Facts that you didn't know:

"What it predicts is the end of the fifth cycle of the earth’s 26,000-year history, which began in 3114 BC and will end on Dec. 21, 2012. The 26,000 years is divided into five earth cycles of about 5,126 years. The earth is now in its fifth and last cycle according to that calendar." 

It's just sad to know that a girl in India killed herself because of fear of the end of the world and almost 1,000 'cult' members in China was arrested due to spreading doomsday rumors. 

Like on year 2000 the "end of the world" stuff magnetized many people around the world. There are even TV shows showing people preparing for different kinds of scenario like Zombie Apocalypse, Alien Invasion or Government take over. Some concerns also includes solar storms from the sun that can fry all the electronics in the world, planetary alignment and polar shift theory.

Even NASA was flooded with calls from anxious people, that Nasa even setup a webpage just for the Doomsday concerns (see credits below). Maybe it's a wake up call for all of us, that before we believe on some rumors or news,  we should do some research first. Not all written in the internet are true and not all news shown in TV are real. 

So what really happens on December 21, 2012? It's not the end of the world but a winter solstice. 

via Stunning and Interesting Facts:

"The Northern Hemisphere will have the longest night of the year (16 hours, 40 minutes and 29 seconds) which will also be accompanied by the shortest day as well."

As the saying goes, "Live every day of your life as if it's you last!!" Happy Winter Solstice!!


Saturday, October 13, 2012

6th MAFBEX 2012

It's been two months already after my last post and there's so many crazy things that happened in that sixty to seventy days. Let's start with the day after ToyCon 2012. It was June 17, 2012 it's sunday morning and I was online, browsing my facebook when I noticed a facebook update by Entrepreneur Philippines. There is a food expo happening on that day and it was the last day of the event. I've attended several food expos in the past but not a MAFBEX event.

Anyway, I convinced my girlfriend to come with me to the 6th MAFBEX 2012 held at the World Trade Center near Star City in Pasay. For starters MAFBEX stands for Manila Food and Beverages Expo. This years theme is "Back to Basic" to give emphasis on healthier food options all over the world. They hold the event to showcase almost all food related businesses in the country. 

After we pay the entrance fee of Php 100 we enter the establishment saw "Chefs of the World" where renowned chefs in the country demonstrates their cooking skills and teach some dishes to audience. Unfortunately I wasn't able to get his name because of the noise.

Here is the dish he's cooking during the show. Looks really tasty isn't it?

We continue to roam around the world trade center and found some products that we are interested about. Here are some party equipments like cotton candy and pop corn machines and they sell cheap also. :)

This is one of my favorites. I've never been to a mobile bar before but I know that having one will be awesome. If I have some money during my birthday I think I'll rent one of these to get drunk \m/

This one is from Tamayo's Catering services. I'm always impressed of their food, table and flower arrangements.  The arrangements are really elegant and beautiful. They're definitely one of the best in the country.

As we roam around the World Trade Center, we noticed some more elegant table arrangements. We took a photo the best ones that we've seen.

 We really love cakes. They're both beautiful and sweet. I think if given the opportunity my girlfriend and I can devour one large cake in one sitting. Anyway, enough about us. Here are some of the best entries during the Inter-school Cake Decorating Competition that was held at MAFBEX 2012. I think the theme for this yearcompetition is about the sea because all cake designs have mermaids, corals, sea shells design on them. Just click the image to enlarge, enjoy.

This trip to a MAFBEX event is really awesome. Not only that I saw and tasted the best dishes, I also learned a lot. If you're an entrepreneur like me, you will definitely see some business opportunities here. Just talk to some booths you're interested in and get their contact number to have some connections. 

I'll definitely love to attend the next year's MAFBEX Event. The 7th MAFBEX Event will also be held at the World trade Center from June 12 to 16 2013. 

Sunday, July 15, 2012

The Awesome Toy Convention 2012

For many years, I’ve wanted to go to a ToyCon. But unfortunately because of different factors like a six days working schedule, heavy traffic, laziness, and many other made up reasons I wasn’t able to go at least once. Yup, that was a sad fact for me who was always a fan of cartoons(be it from anime, Marvel, DC or Disney).

For starters, Toy Convention aka ToyCon is like the holy grail for collectors, hobbyist or fans of cartoons, movies and comics. It showcases the widest range of action figures, toys, souvenirs, cards, comics that you can’t see every day.

This year I promised to myself that I really need go because I have plenty of time to burn and a lot of my friends are coming to. Yes, a friend of mine is a fanatic of cosplays that when he heard the Alodia and Ashley Gosiengfiao is coming he’s almost like he’s dragging us just to attend the convention.

We've agreed to meet up Saturday (June 16, 2012) at the front of the Megatrade Hall of SM Megamall and as always they were kind of late so my girlfriend and I decided to enter the Hall to kill some time and explore what ToyCon 2012 has to offer. The entrance fee was Php 100 and its worth it because we were overwhelmed by the number of merchants, fans, collectors and cosplayers.

I really like these Goku(s) for display but they're quite expensive. They're priced at Php 750 each. I'm hoping that the seller will let me haggle a little.

I thought I'm gonna buy these Mario and Luigi but I'm short of cash. For 80s gamer like me, Mario Bros video games are huge at that time. I think this is a cool collectors item and they're price at Php 1,200 if you will buy the three of them (Mario, Luigi and Yoshi) but they are priced at Php 500 if bought seperately. Certainly, I will surely buy them next year if ever I've seen one.

One of the booths that caught my attention is this booth from chiseltown. The sculptures/models that they made is really cool and lifelike.

For the superman fans out there, this one is for you.

Before different characters from marvel and DC comics became popular because of their movies, the comic version comes first. As for me I really like this type of comics (especially the vintage ones) because not only they appreciate in price but they're also also cool collector's items.

Internet memes are popular nowadays because of websites like and in my opinion t-shirts like these are the next big thing.

The coolest Bad Ass Joker portrayed by Heath Ledger in the film Batman - The Dark Knight (2008).

I remember when my friends tagged me a photo from the making of the Iron Man 3 movie. Anyway, the suits are still very cool though.

This is me wearing the Iron Man mask. I insist in putting it on for the camera although its quite hard to fit. When I tried to removing it I quite panicked because it won't budge. Luckily, I was able to removed it but my ears hurt.

Yup, it's the iconic Storm Trooper from Star Wars.

During the late afternoon, we watched the cosplay event. We're able to see the cosplay goddesses Ashley and Alodia Gosiengfiao. I'm sorry it's quite blurry but it's really hard to get a good shot because of all the fans raising their cameras.

And here is this year's cosplay winner for the anime category Mr.Satan aka Master Pogi (dubbed in the Philippines)showing his own version of gin that he calls "Gin Pogi".

Anyway, I really have enjoyed this years ToyCon and I'm really looking forward to next year. I guess I need to save more money for that. 

Sorry for the long article, below are two beautiful models from Rockstar energy drink :).

Monday, May 21, 2012

Seven steps to achieve financial freedom

"If you would know the value of money, go and try to borrow some." - Benjamin Franklin

Step One: Change your mindset.

Since I was a kid my parents told me to work hard if I want to buy something I like. They also trained me to work and study hard so that I can get good grades and get a good job later. This pattern of work-earn-buy is how many of us were raised.

I remember back when I was in college, I get an allowance of Php 200 every day and I was happy that I can save a little with that amount. During my first year of work, I was earning Php 350 a day and it wasn’t enough. I began to ask myself “What’s happening? I’m earning almost double the amount when I have in college but it seems that it’s not enough.

I realized that, what I want in life and my lifestyle changed. I’ve bought new clothes for work, ate from more expensive restaurants with my officemates, have a new line subscription from Globe Telecoms, etc. And even before I got my salary, taxes and insurance are already deducted from it. Without realizing it, I’m acquiring expenses and liabilities.

Like I said the first step in becoming financially free is to change our mindset. If I ask you now, if for example you get a bonus of Php 20,000 would you invest all of it on stocks/mutual funds/small business or buy a new laptop/any cool gadget? For almost all us the answer is simple, buy the things we want, go to a vacation, spend the remaining on expenses and if there’s a little amount remaining, save.

I believe that it’s not impossible to change our mindset. It may be hard but it’s doable. My mentor and good friend of mine told me that we humans can program our thoughts like a machine if we really want to. Whatever your age is it it’s never too late. We need to change our mindset from work-earn-buy to work-earn-invest and when our investments paid off it, we will be financially free.

Step Two:  Invest in your financial education.

Like arts and sciences, we need first to invest in our education to become what we want. If we want to be become a programmer, take an I.T. course or computer science. So, if we want to be rich and financially free we have to study the art of making money. The first thing that we have to do is to have a personal financial checkup. And yes, you can do this in private J.

a)    List all your assets (work, investments, anything that gives you money)
b)   List all your liabilities (expenses, phone subscription, debts, anything that takes your money)

By doing so, we’ll have a picture of our cash flow.

c)    Learn to budget, segregate your assets in different areas.

I’ve learned about this on a seminar that I attended. For example, I have a Php 100,000 in my savings account. It’s a huge sum right? Wow, I can even buy a second hand car. But by segregating it like this it’s really a small amount:

Retirement Fund: 20%
Retirement fund is composed of insurance, pensions and savings in preparation for your golden years. Who doesn't want to retire young and rich? Maybe it's still small today, but after years of acquiring good investments you’ll see it grow and you’ll be amazed on how big it will be. I suggest that you get a savings account with passbook so that you won’t easily withdraw it. If it reached the minimum amount for time deposit, please do so. If you have enough money please get insurance, this is more important if you have a family already and it’s cheaper to get if you’re younger.

Expenses: 20%
Okay, there’s nothing we can do about this. They say that we humans are the only one that pays to live in this planet. Expenses are composed of taxes, electric bills, phone line subscription, food, water, clothes, etc.

Education: 10%
Education does not end in college or in our career. For example, if I’ll have enough money I want to study how to cook because I love food. Or I can study law because I love to debate and defend what I believed. I want to travel around the world and meet new people or just anything that you want to learn that will make you a better person.

Luxury Fund: 10%
All work and no play makes a dull boy right? I know that no matter how we saved, there’s something inside all of us to buy something we really, really want. Be it a vacation, a car, gadget or a watch or just anything you put it in here. You deserve it.

Investments: 20%
Investments take many different forms. Some are more riskier than others, some are good and some are bad. Investments come in forms of stocks, bonds, mutual funds, gold, real estate. This can also be a business idea that you want to venture to or franchises that you would like to acquire.

Emergency Fund: 10%
During one seminar that I attended, a man that I spoke with told me that accountants keeps 10% of the company’s revenue for emergency. For example if the company needs additional budget for projects like company outings, training or anything that additional funding was needed. I thought if companies adopt this practice because it works, why don’t we? So this fund is for emergencies or “emergency gimiks” or anything else that needs emergency funding.

Tithes: 10%
Once I attended a worship with LOJ or “Light of Jesus” and they tackle the topic of giving tithes or giving 10% of your income to the church, charity or community. Maybe you’re not that religious or maybe you don’t believe such things but I still recommend giving at least 10%. It hurts I know, but the feeling of giving is something you’ll never forget.

Step Three: Take Action

Of course, all this reading and studying about money is useless we act on it and test it ourselves. Ideas are just ideas until someone acts on it. In school, we were taught and have an exam but in life we get our exams first and then we learn. I too, before learning about investments have made some mistakes before I understand it. I lost some money but the lessons learned are so valuable that I still practice it. I know it’s scary but we can do it.

Step Four:  Reduce your debt to zero.

I highly recommend this. Before saving and investing we need to pay our debt first. Why? Because the interests from our debts will not stop growing unless we pay for it. For example, credit cards offer a “small” interest rate of 3.5% per month right? If we don’t pay it up in a year it will be 12 X 3.5% = 42%. That’s why I don’t want long term loans unless the property that I bought is income generating. So pay your debts first or it will grow so big, that it will eat all your savings and investments.

Step Five: Buy real assets.

Most of the time, people confused assets from liabilities. For example, many thought that a house is an asset; it is not, unless someone rent it from you. Some buy cars thinking of it as an asset but once you take it outside of the company building its value depreciates and taxes and oil change, maintenance will really cost you. Others buy cool gadgets like mobile phones but it immediately depreciates in value. So buy real assets and investments that generate money for you.

Step Six: Live below your means.

I've learned about this in an article in Yahoo that many millionaires and billionaires practice. Warren Buffet one of the richest man in the world encourage practicing this. He discourages having many credit cards and buying unnecessary things. So regardless on having a good salary or not, live below your means. If you have a Php 16,000 salary, don’t go to a spending spree and buy all you want. Instead of eating on an expensive restaurant go to a fast food or to an inexpensive one or just buy a voucher from group buying sites. If you’re going on a someplace near don’t take a cab and just walk, it’s good for your health.  Don’t be a show off because people already know who you are.

Step Seven: Learn to share and bless others.

What is the worth of your wealth without sharing it with others? How sad is a lonely rich man. History tells us of tales of kings and the rich people that dies a lonely death because of their greed. As they all say, money is not evil it’s the love of money that’s evil. Money is just a tool, we can either use it to share and bless other people or be blinded by our greed and be hated by all.