Wednesday, January 19, 2011

LABOR LAW & RELATIONS FOR HR PRACTITIONERS & BUSINESS OWNERS “How to Protect Your Company from Costly Labor Suits”

This invitation was sent to me by Businessmaker Academy. Honestly speaking, I haven't tried any of their seminars. But I posted this one because it has a catchy title "How to Protect Your Company from Costly Labor Suits". I figured by posting this some business owner out there might see it and do something about this Businessmaker seminar.


A Must-Attend Seminar Series for HR Practitioners & Department Staff, Personnel & Administrative Officers, Payroll Officers & Business Owners!


Learn and understand the Philippine Labor Code with an HR-practicing attorney!


LABOR LAW & RELATIONSFOR HR PRACTITIONERS & BUSINESS OWNERS on February 19 & 26, 2011 (9am-5pm)


"How to Protect Your Company from Costly Labor Suits"


A two-day seminar-workshop on the Philippine Labor Law and its interpretation to ensure proper application for establishing HR Policies and Labor Relations Management guidelines. Conducted by an HR-practicing Attorney, this course examines essential labor laws and actual labor cases. It helps participants protect their companies from costly labor suits and union problems.


COURSE OUTLINE:


TRACK 1: INTRODUCTION TO THE PHILIPPINE LABOR LAWA. Basic principlesB. Labor Law as Social LegislationC. Basic Rights of Workers


TRACK 2: EMPLOYERS VS. EMPLOYEESA. Employers Under the LawB. Employees Under the LawC. Special WorkersD. Special Group of Workers


TRACK 3: WORKING CONDITIONSA. Hours of WorkB. Service Incentive Leave


TRACK 4: WAGESA. Payment of WagesB. RatesC. What constitute wagesD. Service charge, tipsE. BenefitsF. Principles governing wages


TRACK 5: PROPER TERMINATION OF EMPLOYMENT A. Just CauseB. Authorized CauseC. Due ProcessD. Entitlements


TRACK 6: LABOR ORGANIZATIONS & UNIONS A. Formation Of Labor OrgsB. Rights & Conditions Of MembershipC. Rights Of Legitimate Labor OrgsD. CoverageE. Unfair Labor PracticesF. Collective BargainingG. Grievance MachineryH. Strikes And Lockouts


TRACK 7: LEGAL REMEDIESA. Remedy Available To Terminated EmployeesB. ProcedureC. Administrative Bodies & Courts & Their Respective Jurisdictions


TRACK 8: LABOR CASES & CONSULTATION


WHO SHOULD ATTEND:HR Practitioners & Officers, Administration Officers, Business Owners, Entrepreneurs, Top Management, Managers, Accounting Officers and everyone who wants to ensure that their company is protected from costly labor suits by following the Philippine Labor Code properly.


The Philippine Labor Law Made Easy!
Includes:Sumptuous Lunch, Snacks & Drinks, Parking, Manual, Certificate of CompletionBonus: FREE one (1) year access to HR Club Philippines

Rates & Discounts


Early bird Rate = Php8500


Regular Rate = Php9500



How to Enroll: 3 easy steps!


1 Choose Your Course You may call us at 6874445,6874645 or 6873416, visit our office or our register online to book a slot.


2 Remit Payment You may visit & pay at our office, or You may pay thru Bank Deposit:Savings Account Name:Businessmaker Academy, Inc.BPI SA Acct #: 4013-0306-64BDO SA Acct #: 280-622-422(Pls fax deposit slip to 6874445 loc 814, include name & course)


3 Attend the Class Please bring your deposit slip or receipt. Then enjoy learning!

For More Info, Contact:
Kenneth Dalen


Product Specialist Phil. Franchise Institute c/o Businessmaker Academy (632) 6873416, 6874645 (0917) 8643416
ksd@businessmaker-academy.com

Monday, January 17, 2011

Last 2 weeks on Learning Curve's Biggest Sale -- up to 75% off on all 2011 events

Last 2 weeks of Learning Curve's BIGGEST sale EVER:

Up to 75% off on ALL Learning Curve's conferences and seminars for 2011!

As Learning Curve's way of thanking its clients for their support and for celebrating 2011, Learning Curve is offering up to 75% off of on ALL Learning Curve's conferences and seminars for 2011!

No kidding! Save thousands of pesos for a total discount of P35,000 for all events. You won't get a better deal than this! Just register and pay on or before January 31, 2011 to avail of Learning Curve's REALLY BIG SALE 2011 promo!

Learning Curve's Really BIG Sale Events:

Event: The Winner's Circle Roger Collantes & Rodolfo "Dr. Dups" de los ReyesMarch 17, RCBC PlazaLearn from two of Asia's leading training gurus on how to achieve your goals and thrive amidst challenges!

Regular Rate: P9,995
Learning Curve's REALLY BIG SALE Rate: P2,995
You Save: P7,000 or 70%!
Check link: http://winnerscircle.iluvlearning.com/

Event: Facecamp Carlo Ople, Jomar Hilario, and more!April 7-8, RCBC PlazaIs your Facebook marketing a hit or a miss? Learn how to market effectively on the biggest social network in the world!

Regular Rate: P11,995
Learning Curve's REALLY BIG SALE Rate: P3,995
You Save: P8,000 or 67%!
Check link: http://facecamp.iluvlearning.com/

Event: Brain Rules Dr. John Medina Date TBA, SMX Based on the New York Times-bestseller, Dr. Medina will teach you how you and your children can work better, learn better, and think better.

Regular Rate: P9,995
Learning Curve's REALLY BIG SALE Rate: P2,995
You Save: P7,000 or 70%!
Check link: http://brainrules.iluvlearning.com/

Event: 2nd Disciplines of Breakthrough EntrepreneursFrancis J. KongJune 18, RCBC PlazaWhether you're a fledgling entrepreneur or a seasoned business owner -- or still thinking of becoming your own boss -- you need to know what differentiates the 5% of successful entrepreneurs from the 95% that fail!

Regular Rate: P3,995
Learning Curve's REALLY BIG SALE Rate: P2,495!
You Save: P1,000 or 28%!
Check link: http://entrepreneurs.iluvlearning.com/

Event: 2nd Money Summit & Wealth Expo Ian del Carmen, Larry Gamboa, Jojy Azurin and many more July 22-23, RCBC PlazaWorking for money or money working for you? Learn to create multiple streams of passive income in investing, real estate, and Internet businesses.

Regular Rate: P7,995
Learning Curve's REALLY BIG SALE Rate: P1,995
You Save: P5,000 or 75%!
Check link: http://moneysummit.iluvlearning.com/

Event: eBay Boot CampEireen Bernardo-Diokno and many more!September 22-23, RCBC PlazaTake your eBay sales from just being a small-time hobby to areal money-making business! Learn the insider secrets of eBay PowerSellers!

Regular Rate: P9,995
Learning Curve's REALLY BIG SALE Rate: P2,995
You Save: P7,000 or 70%!
Check link: http://ebay.iluvlearning.com/

Promo Mechanics:
1. Deadline of Registration. You can register for any or all events on or before January 31, 2011 to avail of the REALLY BIG SALE promo rates.

2. Deadline of Payment. To avail of the REALLY BIG SALE promo rates, you must register AND pay on or before January 31, 2011. If you register before the deadline but pay after the deadline, you will have to pay the next higher rate.

3. Selected Events. The REALLY BIG SALE promo rates only apply to events produced by Learning Curve. It does not apply to events produced by other seminar companies that are also promoted by Learning Curve.

4. Postponement or Cancellations. Learning Curve reserves the right to move or cancel events. In case of postponement or cancellation of an event, you may apply your fee to another event (plus or minus, depending on the fee of the substitute event) or have it refunded.

5. Group Discounts. For groups of 5, you can get one seat for free! For groups of 10 or more, your organization automatically becomes a sponsor with media values.
Get the best deals on our 2011 conferences and seminars and enjoy up to 75% off.

To register to the event, you can check visit http://iluvlearning.com/register/

Saturday, January 15, 2011

8 Steps To An Organized Financial Life


I am re-posting this article from Investopedia because I am doing a study on the effect of lack of organizational skills on the finances of a person particularly for people who have serious issues on paying attention and staying organized. I believe education is the best equalizer and I know one day there will be more financially literate Filipinos if we continue promoting financial literacy. That change of course will have to start with me.

Investopedia depicts itself as "Your Source For Investing Education. Includes the most comprehensive investing dictionary on the web". And so I would like to share this slide presentation I read from Investopedia, about having an organized financial life this 2011.

According to Wikepedia as described in their Facebook page,

"Investopedia is one of the Internet's largest sites devoted entirely to investing education. The site was started by Cory Janssen and Cory Wagner in June 1999 at the height of the internet stock boom as an unbiased source to learn about investing. Based in the city of Edmonton in Alberta, Canada the site has grown to become a well-respected source for financial information. In 2007, the site was purchased by U.S. publishing company Forbes, who sold it to ValueClick in 2010.

Content
The website had its beginning as a financial dictionary, separating itself from other dictionaries by offering the "Investopedia Says" feature—a plain English interpretation of hard to understand terms and concepts. The site now averages over 2.5 million page views a month and is home to over 1,500 articles, 8,000 dictionary entries, and 750 pages of tutorials on nearly every aspect of finance and investing.

Simulator
Along with educational content, Investopedia also offers interactive tools such as its popular stock market simulator, which allows individuals to set up a brokerage account with imaginary money and trade publicly traded stocks and options on the NYSE, NASDAQ and other stock exchanges.

Stock Analysis
Investopedia also publishes upwards of 10 stock analysis pieces per day. These pieces are written by a number of different authors and offer analysis and buying advice on stocks from all sectors. In addition to this, Investopedia sometimes offers forex analysis, with pieces being published that analyze different aspects of the foreign exchange market."

8 Steps To An Organized Financial Life from Investopedia

Lack of organization can harm your finances as much or more than being short on cash. Losing bills can lead to late fees, and not keeping track of your bank account could cause overdraft fees. The following are some tips that will help you stay on top of your bills and accounts, and will lead to greater organization and, most importantly, less spending.

Author's comments: This statement is supported by financial gurus like Alvin Tabanag, Bo Sanchez, Robert Kiyosaki, and many more.

Step 1: Pull Out Your Budget At Least Once Per Month
Your bills could change on a monthly basis. Revise your budget as bills come in and adjust other expenses to make up for it, so you don't accidentally overdraw your bank account. For instance, some months and seasons bring higher electrical bills than others.
What if you don't have a budget? Create one today! Start by writing down your budget the way you'd like your expenses to unfold. At the end of the month, start tweaking your budget by adjusting other expenses when one expense is more than you expected.

Author's comments: I actually did this at the start of this month because after learning how to modify my planner using the Franklin Covey way. To learn how to help your daily, weekly, monthly and yearly goals you may contact Mr. Jeric Lee, financial planner and business man via 09178577938.

Step 2: Use Financial Software
Financial software isn't just for investments. You can find free, scaled-down financial software on the web to help you keep track of your daily expenses. Within the programs, you can get detailed information as to where your money is actually going. When choosing budgeting software, verify on the Better Business Bureau website that the service you consider has good customer service records.


Author's comments: I actually do not have any financial softwares but I do have montly updates of stocks, investments, audio books, pdf books from one of my financial success mentors, Mr. Bo Sanchez and the Truly Rich Club. To get more information on how the Truly Rich Club can help you, visit them at: http://www.bosanchezmembers.com/amember/go.php?r=11497&i=10

Step 3: Have One Place For Bills

Even if most of your bills arrive electronically, you still need a place for bills that come by mail. For storage, keep your bills wherever you normally write checks or pay bills online. Throw out bills once they are paid, preferably after shredding them for privacy and identity theft protection. You can also keep scanned copies in your computer. If you don't like filing bills by hand, scan them and save a copy in file format. Give the file a name that says exactly what the bill is and keep all bills in a file labeled:

Author's comments: I actually practice this since last year. All my bills are in one folder and they are arranged with the most recent on top. For those I need to pay, they are displayed on the corkboard beside the door of my room so I am always reminded that there is an outstanding bill. When there are concerns about payments, rewards points or anything I want to ask about my bill, I just look at the history of my bill so I can clearly bring it up to the concerned party. This kind of organization has made my life very organized and manageable.

Step 4: Open Bills and Pay Them the Same Day

If you have money available in your bank account and you don't have other debit card or bill pay charges coming through that could cause an overdraft, pay your bills the same day they are received. Pay extra attention to paper bills that normally come electronically. You don't want to pay a bill twice because you received a duplicate by mail. Always call your creditor when a paper bill arrives when you think you have an automatic payment scheduled or electronic billing set up.

Author's comments: I am enrolled to online payment via BDO bank services. I can say I practice same day payment but not paid immediately. Let me explain what I mean. If let's say my credit card payment is due on the 30th and I received my credit card statement on the 20th then I schedule the payment on the 20th or the nearest possible time on the 30th. That way, I paid on the same day to be scheduled on the day I am supposed to pay. Saves me the time to remember to pay for the next ten days but at the same time my cashflow is not deducted to early that when it is supposed to be deducted.

Step 5: Have A Checklist For Bills You Are Expecting

Neither mail nor email is perfect. Create a checklist at the beginning of the month with every bill you are expecting. You can keep it on your desk, bill paying area or create a file on your computer. What's important is that you are aware of what bills you are responsible for paying at any given time.

Author's comments: I have a checklist of bills to pay in my planner.


Step 6: Consult With Anyone With Whom You Share Accounts

Whether it's your spouse, significant other or relative, you can easily bounce a check or debit card payment if you don't know how much the other has been spending

Let's say your spouse has the day off and decides to go to lunch and golfing with a buddy. When you get home, you're told about a great game of golf. What you're not told is the $150 spent amidst day-off festivities. You end up bouncing a direct-debited student loan payment because your bank account had less in it than you thought.

Author's comments: My husband and I have our own personal banks where we get the funds for our personal needs and a conjugal accounts where finances involving the two of us are placed. For personal needs, we do not ask each other for our expenditures unless its really big let's say P10,000 and up. But for finances involving our conjugal account even transfer of funds worth P1,000 are discussed.

Step 7: Verify That Your Paycheck Is Direct Deposited

If you have direct deposit, you get used to your paycheck being there on paydays. However, sometimes your check may not arrive electronically on the correct date. It only takes a moment and can save a lot of financial stress and confusion. Don't start spending your paycheck until you've checked your account balance.

Author's comments: Amen. Do not spend money you do not have. Freeze that credit card.

Step 8: Have Two Bank Accounts

Use one account for spending. Use one for bills. This way you can prevent yourself from accidentally spending bill money on a night out that should have gone towards rent. It may take a little extra accounting to maintain the two accounts, but in the end you'll be more than likely glad you made the change.

Author's comments: This I have been practicing for a year now. My spending account is in BDO since this bank is so accessible with ATM machines in every corner and they also have the longest banking hour, mall banks and electronic banking as well. The other one is BPI Direct for my savings because they have the highest savings interest rate amongst commercial banks compared to other banks (except of course for rural banks) at 1.375 per annum.

To get more information about BPI Direct Savings, you may visit: http://www.bpidirect.com/

To get more information about BDO Services, you may visit:

http://www.bdo.com.ph/personal.asp


Conclusion
Missing bill payments because of lack of organization is the easiest financial problem to fix. You don't have to use all eight of these tips, as long as you pick an organizational system that you can stick to every month.

To read the original article in Investopedia, please visit:
http://www.investopedia.com/slide-show/8-steps-organized-financial-life/default.aspx

You can also get several financial tips in Investopedia at:

29 Simple Things You Can Do To Have A Fantastic 2011


I was trying to de-clutter my mailbox (which I have added to my daily goal of opening at least 10 unread e-mails everyday until there are no unread e-mails anymore) when I opened this one from one of the best investments I made in my life, the Truly Rich Club.

But I'm not here to tell you why you should join the club. I was ready for more and that's the only reason I will tell you. I'm re-posting Bo Sachez's 29 Simple Things You Can Do To Have A Fantastic 2011 because I aspire to do this 29 things yearly for the rest of my life. It will be like my yearly bucket list.


1. Laugh with inspiring friends at least once a week or more
2. Have Mentors in the most important areas of your life
3. Walk 30 minutes a day
4. Use your talents for God
5. Invest 20% of your income every month

6. Read one inspiring book a month
7. Cut TV watching to the barest minimum (Zero is a good number)
8. Limit newspaper reading to 5 minutes or less a day
9. Take vacations often
10. Eat fruits for breakfast

11. Always have a salad for lunch and dinner
12. Start a business (or improve your business) this year
13. Always be grateful to God and others
14. Always live by your deepest values
15. Spend time with God everyday

16. Play with your kids at least once a day (If you don’t have any, borrow.)
17. Have a weekly date with your spouse (If you don’t have any, don’t borrow!)
18. Date your parents regularly
19. Before you sleep, remove all anger by forgiveness
20. Be the kindest person you can be

21. Find your passion and live it fully
22. Give more hugs (and receive as many)
23. Listen to understand, not to reply
24. Celebrate more often
25. Put people over projects

26. Enjoy quiet and solitude
27. Always give 10% of your income to God
28. Keep dreaming
29. Join the Truly Rich Club

Why 29? I don't know. Why not 30 or 28? Only Bo Sanchez can answer that. For me, 29 fits right for me this year. But nobody saying, you can stop at 29. Life goes on whether you choose to or not.


-------------------------------------------------------------------------------------

Why not take this renewed inspiration for the year and apply that to your financial affairs, check out the Truly Rich Club at

http://www.bosanchezmembers.com/amember/go.php?r=11497&i=10

Friday, January 14, 2011

2011 ITD Consulting Group, Inc. Events Calendar


ITD Consulting Group, Inc. is pleased to share their 2011 ITD Consulting Group, Inc. Events Calendar!


FEBRUARY
17th& 18th
Essential Coaching Skills
(Course 1 of Certified Coaching & Mentoring Professional (CCMP) Program)
2 days


MARCH

17th– 18th
The Heart of Coaching
(Course 2 of CCMP Program)
2 days


APRIL
6th– 8th
The Trainer in the Organization and
Training Needs Assessment
(Modules 1 & 2 of Certified Training Professional (CTP) Program)
3 days


14th– 15th
Essential Mentoring Skills
(Course 3 of CCMP Program)
2 days


MAY
5th– 6th
Training Design
(Module 3 of CTP Program)
2 days


18th– 20th
Coaching & Mentoring for Breakthrough Success
(Course 4 of CCMP Program)
3 days


23rd– 24th
Techniques for Breakthrough Results:
The Success Principles at Work
(A Jack Canfield Program)
2 days


JUNE
14th– 16th
Certificate Program in Strategic HR Transformation and Organization Development
Pennsylvania State University
William J. Rothwell Live in Manila !
3 days


22nd–24th
Training Implementation
(Module 4 of CTP Program)
3 days


JULY
14th– 15th
Essential Coaching Skills
(Course 1 of CCMP Program)
2 days


28th & 29th
Training Evaluation
(Module 5 of CTP Program)
2 days


AUGUST
11th– 12th
The Heart of Coachi ng
(Course 2 of CCMP Program)
2 days


25th– 26th
Unleashing Creativity and Innovation
2 days


SEPTEMBER
22nd– 23rd
Essential Mentoring Skills
(Course 3 of CCMP Program)
2 days


OCTOBER
19th– 21st
Coaching & Mentoring for Breakthrough Success
(Course 4 of CCMP Program)
3 days


NOVEMBER
10th– 11th
The Heart of Coaching
A Thomas G. Crane Program)
2 days


21st– 22nd
Techniques for Breakthrough Results:
The Success Principles at Work
(A Jack Canfield Program)
2 days


* For reasons not within our control, please note that dates indicated may be changed.

ITD Consulting Group, Inc.
Tel: +632 887-7428 / Mobile: +63 915 - 4974559
Email: http://ph.mc771.mail.yahoo.com/mc/compose?to=itdmanila@itdworld.com
Website: http://www.itdworld.com/

The Winner's Circle with Roger Collantes and Rodolfo delos Reyes


2 of Asia's training gurus Roger Collantes and Rodolfo delos Reyes together in The Winner's Circle

In every business, there are a few top performers on one end (the Winners), a few poor performers on the other end (the Losers), and a lot of mediocre performers in the middle (the Average). Employers can always get rid of the bad ones. But how does one bring their average employees to the Winner's Circle? And how does one keep your outstanding employees in the Winner's Circle?

For the first time, international trainers and best-selling authors Roger Collantes and Dr. Rodolfo de los Reyes will conduct a back-to-back seminar and workshop entitled "The Winner's Circle" on March 17, 2011, 8:30am-5:30pm, at the Carlos P. Romulo Auditorium, RCBC Plaza, Makati City, to help people thrive and succeed at work.

Get discounted seats for the entire management team or buy bulk seats to give away to customers and partners in The Winner's Circle. For individuals, the regular rate is P9,995. However, block seats of at least 5 or more is sold for P2,995 (less P7,000 or 70% off!) Plus as the HR head, Learning Curve offers one (1) complimentary seat for The Winner's Circle!

If 10 block seats or more are bought in The Winner's Circle, Learning Curve will even make the client as one of their sponsors, with privilege to have the company's logo included in Learning Curve's marketing collaterals and a free table space to display products and services! So hurry and buy block seats now for The Winner's Circle before seats run out. Offer is good until February 15, 2011 only.

Learn more about The Winner's Circle at http://winnerscircle.iluvlearning.com. Call tel. no. 996-4610 or 668-6314 or email grace@iluvlearning.com for more details.

From Grace Tamang/Marketing Executive/Learning Curve Inc.

P.S. To make sure that the attendees will be so satisfied with how much they will learn from the seminar that Learning Curve will be backing it up with a 100% money back guarantee. That's right! You don't like it, we'll refund it, no questions asked. P.S.S. Our offer of P2,995 for block seats of 5 seats or more (plus you get one complimentary seat for yourself) and automatic sponsorship benefits for 10 seats or more is until February 15, 2011 only.

Thursday, January 13, 2011

ULTRA-MAGNETIC PERSUASION SEMINAR LAUNCHING Free Seminar by John Calub: A Review



There is no free lunch. That's something I learned from my husband. Even items with big red letters that says FREE is not really free. They are labeled "free" because the company or person giving it away wants you, the consumer, to try it and see if after you have tried it there will be a demand for their upcoming product.


Ultra-Magnetic Persuasion Seminar


And that is what I expected when I first attended the Ultra Magnetic Persuasion Seminar of John Calub. It was my first time to attend a John Calub Seminar at Convenarium, Crossroad 77, Mother Ignacia Avenue corner Scout Reyes Street, Quezon City. The venue was big enough for hundreds of people. The attendees for the soft launching of the Ultra Magnetic Persuasion seminar can be roughly 500 guests. Going to this John Calub seminar I am well aware that a free 2-hour Persuasion Seminar is not just going to be handed to me that easily. It's a Persuasion seminar anyway. If the speaker cannot persuade me in some way then its not that effective for me. I cannot say the same for the others though.


So I sat down with my bff and my hubby asking them "What would John Calub sell to us now?". The Ultra Magnetic Persuasion seminar started with an energizing exercise to get the mindset of the people in positive mode since this Personal Development Seminar is slated afterwork on a Thursday. I'm not sure though if there was strategy behind the choice of date and day on that part but I guess nobody wants to go on a seminar on a Friday night so your best choice would be a Thursday. The target market is obviously for workers since the time is after office hours.

The first part of the free Ultra Magnetic Persuasion Seminar covered the 5 Key Elements of Persuasion namely: authority, popularity, good looks, character, and lastly money. Each element was discussed in general and how it affects a person's persuasion power over people. Truth be told, that money is not a surprising element of persuasion since the influence of those with money can affect people's perception over people and things in their life.

John Calub's seminar also discussed the rate in percentage on how people view or judge a person. He described this effect using three factors: words, tone and body language. John Calub said that body language commands the highest percentage on how we are viewed or perceived by another person. Hence, a great selling spiel or an excellent speech would have been in vain if that person's body language says otherwise. Thus, to be a great communicator and to effectively persuade people to trust and believe you, there are strategies that can be used in building instant rapport. For the free Ultra Magnetic Persuasion Seminar, John Calub stressed that each strategy will be discussed in detail if the guests will avail of the program. The original price of the program is pegged at P12,000 but given to the attendees of the soft launching at an introductory price of P5000. To reserve for the upcoming Ultra Magnetic Persuasion seminar on January 29, 2011 at the SMX Convention, the pre-launching guests would just have to make a P500 deposit (non-refundable) to lock in their seat or to reserve for their slot. This reservation fee can be paid either in cash or credit card.

Lastly, John Calub discussed the features of the one-day course on Ultra Magnetic Persuasion Seminar and imparted several general details for some of the strategies he enumerated. Mostly he did not discuss how the strategies are done but what would happen if a person knows how to use these strategies in his work, personal life and relationships. In my opinion, this is the teaser part of the seminar. I can compare it to a person showing you a yummy chocolate cake (the end goal) telling you the ingredients how to cook it but you have to pay this person to teach you how to cook it. There is no guarantee that by the end of the lesson you have produced the same kind of cake he initially showed you but the important thing is you know his secret in making this scrumptuous, delectable chocolate cakes. Or do you? Because the mentor, being steps ahead will always make sure there is always something cooking under his sleeves. (I am myself's devil's advocate)

After the seminar, I asked my companions if they learned something new. They said that for most part, the seminar was nothing new. But there were very few fresh points but most of it was a reinforcement knowledge which means it only affirms what you have known before. I admit I did learn two new things. One is about the meaning of our handshake and the second one is the effect of certain words to us. My take when I attend something new is to go with my mind like an empty vessel as much as I can so that there will be space to test my comfort zone. If I attend an event and there is already prejudice that it will not be worth my time and for sure I will come home the same person. No change. So I come to events and seminars waiting for concepts that will trigger a certain emotion in me that will prompt me to ask questions "Why am I agreeing or disagreeing to this?", "Why am I reacting this way to the comment or concept I just heard", "Why should I apply or not apply this concept?".

Check out my Money Magnet Review at http://financialliteracyactivitiesphil.blogspot.com/2010/09/i-attended-john-calubs-money-magnet.html


At P5000 for a whole day event on Persuasion Seminar given by a Filipino coach I think the upcoming Ultra Magnetic Seminar is already worth it. I attended a similar seminar two years ago featuring almost the same concepts that John Calub will be discussing in this Ultra Magnetic seminar and that was P25,000 held at Dusit Hotel with only about 20 attendees. Although I got it for free because of a contest I won from Powerbooks to which I will be forever grateful to Powerbooks I am thinking its time somebody from the Philippines do this for his fellowmen.

January 20, 2011 Grand Launching of Ultra-Magnetic Persuasion Seminar (watch out for the laser show entertainment in this event)

For those who reserved their seats, congratulations for making an investment on growing your wisdom. I hope we welcome a better Philippines and better thinking people after you have taken the seminar.

For those who wished they could have attended the pre-launching but missed it, do not fret there is another free Ultra-Magnetic Persuasion Seminar on the 20th of January, 2011 at Convenarium again. To get more details, you can check out John Calub's website dedicated for the Ultra-Magnetic Persuasion seminar at http://www.ultramagneticpersuasion.com/register/.

For those, who are not going after they have read this blog or attended the pre-launching don't worry there is nothing wrong with you. When the student is ready, the teacher will come. You may be just not ready for now.

The only DANGER of not being open to new things or being closed to knowledge is the stagnation and soon the DEATH of the mind. If you can get the same or higher value of wisdom from somebody or something else then by all means go for it. Just promise yourself, you will CONTINUE LEARNING!

Sunday, January 9, 2011

11 for 2011 - Money Resolutions By Alvin T. Tabañag

11 for 2011 - Money Resolutions

By Alvin T. Tabañag

This is a re-post with permission from Mr. Alvin Tabanag of PinoySmartsavers.com


Another year begins. And like in years past, most Filipinos greet the new year with a lot of hope. But if you overspent during the holidays and now find yourself staring through a hole in your pocket or feeling anxious about getting your next credit card bill that hope will probably be gone in a flash. Here are 11 money resolutions you can make in 2011 so that you will welcome succeeding new years with genuine hope and optimism for a better and brighter future.


1. Invest in knowledge. Educate yourself about personal finance. Knowledge is power. The more you know, the more effective you will be in saving and managing your finances. People who are well-informed can also spot a good investment opportunity and are not easily scammed. Also, enhance your skills and learn new ones so you can be more effective in your work or find a better paying job. Know more, earn more!


2. Set clear and specific financial goals and prioritize. Without clear goals you will not know where to go or what to do. Classify goals into short-term, medium-term and long-term goals and prioritize them. Split huge or long-term goals into smaller sub-goals. Focus your attention (and your resources) in completing the sub-goals first so you don’t get overwhelmed. If you are married, discuss and agree with your partner common financial goals so that both of you will work towards the same target. You may also discuss your goals with your children so they will understand why there’s a need for little sacrifices, disciplined spending and diligent saving. Succeeding in your quest for financial freedom will require the full support and cooperation of all family members.


3. Assess your financial condition and take time to organize your financial documents. You can’t manage what you do not know. Taking stock of your personal finances will help you figure out what you need to do to accomplish your goals. You can also avoid missing loan or premium payments if you organize your financial documents. Start the new year by finding out how much you already own and how much you owe.


4. Start paying yourself. Make it a habit to set aside 10-20% of your monthly income as your regular savings. Regardless of how much you are earning right now you can start building wealth today if you learn to save consistently. Achieving long-term financial security is not just about how much you earn, but more importantly how much you save.


5. Cut down your expenses. Learn to spend money wisely. Don’t buy too much stuff that you can live without. Create a spending plan (aka budget) and do your best to stick to it. A budget can help you keep your expenses under control and ensure that you will be able to save regularly. It is also an essential tool for achieving your financial goals.


6. Use your credit card wisely and responsibly. Get rid of excess credit cards. All you need is 1 or 2 at the most. Try to pay your credit card bills in full every month so you can avoid paying excessive interest charges. Leave credit cards at home if you are easily tempted into buying. Reckless use of credit cards has put many cardholders in serious financial trouble which could take many years to recover from.


7. Curb impulse spending. Observe a waiting period before buying anything that costs more than, say P500 or P1,000, especially if it is not an essential item. The more expensive the item, the longer you should wait. Impulse spending will mess up your budget and you could end up saving nothing each month.


8. Pay down your debts. Getting rid of debt will help you maximize your savings. Aim to cut your debt down to a more manageable level. For example, you can resolve to reduce it by 25% - 50%, if not completely wipe it out, by the end of year. Follow the Rule of 20 which says that the amount of money you’re paying every month for debt should not exceed 20% of your monthly income.


9. Get insured. Sickness, accidents and untimely death can turn a family’s finances upside down pretty quickly. Savings can dissipate in a jiffy when a financial crisis hits. Insurance will help the family keep its head above water when a financial disaster strikes. If you are not yet insured, now is a good time to get covered by a life insurance and a medical insurance.


10. Start investing. It’s not enough to save and keep your money in low-interest-bearing savings deposit accounts. You will have to learn how to grow your money so that you can attain your goals faster. Investing your money carries a certain degree of risk but you will have to take on some risk to maximize the growth of your funds. Deposit accounts may be safer but with very small returns you will have to save a lot more to reach your financial goals. Learn about investing in bonds, mutual funds, UITFs and the stock market. You can also consider investing in a business.


11. Teach your kids about money and savings. Children who understand the value of money and are responsible in handling their own funds will not keep on bugging their parents about buying them expensive stuff that they don’t really need or can live without. Starting them early with responsible money management will provide them with a much better chance of achieving a brighter, more secure financial future. Instead of giving your children’s school allowance on a daily basis, give it weekly (for grade & high school students) or monthly (for college students). This is the most effective way to teach them how to budget and manage their own money.


(These money resolutions were first discussed by the author last December 27 in the ANC show “Shoptalk.”)


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PINOY SMART SAVERS LEARNING CENTER

(International Best Provider of Employee Financial Education)

"Helping ordinary Filipinos achieve financial freedom!"

http://www.pinoysmartsavers.com

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Tuesday, January 4, 2011

ULTRA-MAGNETIC PERSUASION SEMINAR LAUNCHING Free Seminar by John Calub

I attended the money magnet seminar of John Calub last year and I appreciated what I learned from him about the money jars. It also strengthened my belief on tithing and the law of abundance. Until now, the cd I bought from the seminar which contained songs about financial literacy is in my ipod. True enough, John Calub practices the law of abundance by sharing with us a taste of his upcoming seminar entitled ULTRA-MAGNETIC PERSUASION SEMINAR. This seminar based on the description below will be launched soon and to give us a taste of what is yet to come, the first one will be given for free.

To read more about my review of the Money Magnet Seminar, you can check out
http://financialliteracyactivitiesphil.blogspot.com/2010/09/i-attended-john-calubs-money-magnet.html

To take advantage of this early opportunity, you can be part of the guest list by following the instruction below.

Remember: Nothing will change unless you do something different today. :)




You are cordially invited to the launch of what is expected to be John Calub’s most controversial, yet most powerful skills course. It’s called ULTRA-MAGNETIC PERSUASION, “How To Become A People Magnet Through Persuasive Communication”.

During this launch, John Calub shall be giving a 2-hour FREE training on how to become an extremely powerful communicator.

Imagine...
......-Getting people to always say “Yes” to you and your ideas
-Becoming famous and popular
-Always making a great first impression
These and more when you attend this event...

Launch Details below:
DATE: January 13, 2011 (Thursday)
TIME: 7:00 pm to 10:30 pm (This Is An After Dinner Event)
VENUE: Convenarium, Crossroad 77, Mother Ignacia Avenue corner Scout Reyes Street, Quezon City (For Site Map, visit www.crossroad77.com)

REGISTRATION FEE: Entrance is totally FREE of charge

REGISTRATION INSTRUCTIONS:
NO WALK-INS! Due to the limited number of seats, we shall only accommodate guests who are part of the guest list. To be included in our list, send us an e-mail (put “Guest List” as the subject line) with your full name and cell number to jctimarketing@gmail.com. We shall send you a confirmation letter via e-mail of your registration. Print out the confirmation letter and bring to the event. It will serve as your gate pass. Registration is FIRST-COME, FIRST-SERVED.

For questions or inquiries, please call John Calub Training Office at 748-7646 / 382-9997 / 7442925.

Hope to see you there!

John Calub Training, Inc.