Dare to Dream 2014

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    Dar e to Dr eam

    Charleslaures4@gmail.co 0909-962-9553

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Congratulations!

    You now own free resell,

    reprint and redistribution rights to this ebook!This is a $10 value ebook!

    Ang ibig sabihin po nito ay may karapatan po kayo na ibenta ito sa kahit anong presyoand you can keep 100% of the profits. Pwede niyo po siyang gawing FREE bonus atipamigay sa website niyo. Wala din po kayong limit sa kung ilang copies ang gustoniyong i-print out. Kaya print all you can lang kayo.

    Ang hindi niyo lang po pwedeng gawin ay ang i-modify o i-edit ang contents ng ebookna ito. Hindi niyo rin po pwedeng gamitin sa blog or website niyo ang mga articles dito

    without the express permission of the author.

    Realizing your life goal may be hard. Hindi lang dahil sa mahirap gawin ung mga bagayna kailangan mong magawa para gawing reality ang mga pangarap mo kundi dahil saSUPER NEGA na mga comments ng mga tao sa paligid mo.

    Ang eBook na ito ay designed para maging kalasag mo sa lahat ng mga nag ne-negasayo. Gamitin mo ito to drown out all the negative voices na nag sasabi sayong hindimo kaya. Kasi KAYA MO. KAYANG KAYA MO.

    To your Success!

    Charles Laures

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Kung Hindi Problema ang Pera

    ngayon, Ano ba ang mga Pangarap

    na tutuparin mo TODAY?

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Imagine kung meron kang P200 Million sa bank mo today

    Titira ka pa rin ba sa tinutuluyan mo ngayon?

    Kung OO, anong mga improvements ang gagawin mo dito?

    Fully paid mo na ba ang lupa?

    Kung HINDISaan mo planong bumili o kaya mag patayo ng

    bagong bahay? Ano ba magiging itsura nito? Ilang kwarto

    ba, ilang rooms?

    May magiging pag babago ba sa schedule mo? Mag wo-work ka

    pa din ba sa pinagtatrabahuhan mo ngayon?

    Kung OO, anong magiging pagbabago sa work life mo

    ngayong MAYAMAN ka na?

    Kung HINDI naman, ano ang bagay na gusto mong gawin

    instead sa work mo ngayon?

    Who are you going to spend more time with?

    Kanino mo ibubuhos ang time and attention mo?

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Anong gagawin mo maghapon? Anong mga lugar ang

    pupuntahan mo? And anong mga bagay ang gusto mong mabili

    para sa mga mahal mo?

    Imagine, kung super yaman ka

    Gagamitin mo pa rin ba ang Celphone mo ngayon o magpapalit

    ka ng brand at model?

    Kung hindi ka magpapalit ng phone, may balak ka ba na

    bigyan ng mas magandang Celphone at gadgets ang mga

    mahal mo sa buhay?

    Kung bibili ka ng bago, anong magiging brand nito? Anong

    model?

    Parehong sasakyan pa din ba ang ida-drive mo o bibili ka ng

    bago? Kung wala ka naman car sa ngayon, bibili ka na ba since

    afford mo na?

    Bibili ka ba ng mga bagong damit? Anong mga damit ba angibibigay mo sa mga kapamilya mo?

    Ano ba yung mga bagay na hindi mo mabili in the past kahit

    gustuhin mo dahil wala kang pera na sa ngayon, mabibili mo na?

    Ano yung mga bagay na hindi mo magawa noon kasi nakatali ang

    time mo sa work mo na ngayon, kayang kaya mo ng gawin kasi

    may Time Freedom ka na?

    Ano ano yung mga bagay na possible mo ng magawa ngayon

    dahil may pera ka na?

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Kaibigan, Magkano ba ang mga Pangarap mo? Sige, sabihin mo.

    Huwag mong tipirin sarili mo. Remember, may P200 Million ka sa

    bank account mo.

    Ano ba ang bibilhin mo at Magkano ba magagastos mo dun?

    Halimbawa ganito ang price niya.

    Dream Cost

    House P3 M

    Car P2 M

    Savings P10 M

    Travel P5 M

    Education P5 M

    Health care P1 M

    Charity work P10 M

    TOTAL P36 Million

    P200 Million minus P36 Million = P164 Million

    So after mong maabot mga pangarap mo, may surplus ka pa dinkaya hinding-hindi ka talaga mag hihikahos.

    Now, balik tayo sa reality. Kung P36 Million ang tunay na price

    ng mga pangarao mo, ang tanong.

    Ilang taon mo itong pag iipunan kung mag re-rely ka 100% sa

    work mo lang?

    Tingnan natin ha

    Pretend tayo na nagtatrabaho ka sa isang high paying job, siguro

    sinuwerte ka na makapag work abroad. O kaya naman, mataas

    ang position mo sa isang company dito sa Pilipinas.

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Pretend tayo na pareho kayo ng sahod ng boss ko noon sa

    banko, P100,000/month.

    Sa P100,000, 10% ang nasi-save mo per month after mong

    bayaran lahat ng utang mo sa credit card, upa sa bahay, at iba

    pang gastusin.

    So, P10,000 X 12 months = P120,000 savings per year.

    In 10 years you will have saved P1.2 Million. Sapat na ba yan

    para mag early retirement ka at makapag spend ka ng quality

    time sa pamilya mo every day? Sapat na ba ang savings na yan?

    Lets compute.

    Halimbawa 30 years old ka na and ka-ka start mo lang sa pag

    build ng wealth mo.

    2013

    You 30 years old

    No Savings yet

    Dahil kaka-start mo pa lang, wala ka pang savings. Kaya hindi mo

    pa mabili ung mga gusto mong bilhin. Wala rin sa tamang

    mindset ang isipan mo kaya akala mo, habang buhay ka ng

    magiging dukha.

    Pero you been reading the right books kaya nag simula ka ng

    mag work for your dreams. Gradually you have begun believing

    that YOU CAN DO IT!

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    2013 2023

    You 30 years old 40 years old

    No Savings yet P1.2 Million

    Its 2023 and you are already 40 years old. It has now been ten

    years after you decided that you will work to turn your dreams

    into reality. You are now a millionaire with P1.2 Million sitting in

    your bank account.

    Is it enough for an early retirement?

    Not yet, kasi the cost of your dream is P36 Million, so you end uptaking another 10 years.

    2013 2023 2033

    You 30 years old 40 years old 50 years old

    No Savings yet P1.2 Million P2.4 Million

    Hmmmm..still not enough, lets work 10 years more.

    2013 2023 2033 2043

    You 30 years old 40 years old 50 years old 60 years old

    No Savings yet P1.2 Million P2.4 Million P3.6 Million

    Still not enough

    2013 2023 2033 2043 2053You 30 years old 40 years

    old50 yearsold

    60 yearsold

    70 yearsold

    No Savings yet P1.2Million

    P2.4Million

    P3.6Million

    P4.8Million

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    So you worked for 40 years and is now 70 years old. You now

    have P4.8 Million by saving P10,000 per month. Sapat na ba siya

    para sa pangarap mo?

    Well, not yet. Remember your dream is P36 Million. Some people

    at this point will try to rearrange his dreams in order for it to fit

    their current savings. That is what we call normal.

    We Filipinos have this saying na Matutong mamaluktot sa maliit

    na kumot

    Maganda yan. However, bakit ka mag tityaga sa maliit na kumot

    kung pwede ka rin naman palang kumuha ng mas malaking

    kumot at humilata ng comportable?

    Why not do something so you can turn those dreams into reality?

    YOU deserve it.

    Other people will rationalize that its ok to depend 100% on salary

    from employment. That is OK if you do not have any dreams at

    all.

    Some say may retirement benefit naman, may pension..,

    Tanungin kita, who do you know, that has been an employee all

    his life, who have not invested in stocks or built businesses have

    P36 Million in their bank account?

    WALA PONG GANYAN.

    Plus, If you wait too long and spend most of your life working for

    money, pag tanda mo hindi naman ikaw ang makikinabang sa

    pera mo. Ang makikinabang diyan ay mga botika, hospital, mga

    doctors kasi po magiging sakitin ka na.

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Sige nga, hanap ka ng matanda na hindi na oospital

    Meron din, pero konti lang sila compared sa mga matatanda na

    pinapayaman ang botika. Dont believe me? Then mag tambay ka

    sa harap ng drug store and you will see how many people buy

    there. Yung mga bata na nakikita mong bumibili diyan, they are

    buying it for their grandmother or grandfather who is already too

    weak to buy it themselves.

    Besides, kung may P36 Million ka nga pero you are already 70

    years old naman, ma eenjoy mo pa kaya ang pera mo? Makapag

    tatravel ka pa ba? Hindi na po.

    Money is not the most important thing in the world, but it ranks

    up there with oxygen. Just like oxygen, if money stops coming to

    you, YOU DIE.

    No money = No food, Walang pambayad sa electricity at tubig,

    pambili ng damit, pambayad sa doctor, etc.

    Money also buy you time freedom. If you have more money you

    can find more time to pamper yourself and you can spend more

    quality time with your family.

    Pag may pera ka kasi, you can pay other people to do your work

    for you para mas may freedom ka na gawin ang mga bagay na

    gusto mo.

    I have a childhood friend who grew up without enjoying the

    guidance of a parent because they chose to go work abroad and

    leave her behind in the care of her grandparents. Imagine, all

    those birthdays, pasko, and bagong taon na hindi niya kasama

    ang mga parents niya. Isnt that sad?

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    But no choice, people who choose 100% employment as an

    avenue to realize their dreams will have to work for many years

    in order to give their love ones a better life. Unfortunately, kahit

    mag trabaho pa sila ng matagal, it will never be enough.

    If you will depend on employment alone in order to achieve your

    dreams, YOU will not have enough time to earn and save.

    If P36 Million is the price of your dream, then you will have to

    work 300 years total in order to save enough. Ang tanong, DO

    YOU HAVE 300 YEARS?

    Now there are many other options that is better than just relying

    on a fixed salary job

    One of them is to start a part time business.

    Many choose to put up a BBQ stand or fishball cart. Many

    people are actually earning a lot of money from doing this simple

    business.

    Ang iba naman, mga kakanin at dessert ang ginagawang

    negosyo. I have a friend who can make ice cream who makes

    money by selling it to her friends pag nag bi-birthday sila.

    Sacrificing a few hours of your time after work can mean a lot.

    Some people waste their time every night watching news and

    Telenovelas instead of using that productively.

    Magsisimula yan sa TV Patrol then matatapos sa Apoy sa Dagat.

    People spend 4-5 hours every day infront of a television set. Ang

    tanong, nakatulong ba yan sa pag parami ng savings nila,

    HINDI PO.

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    But, starting a part time business has drawbacks too. One of the

    greatest pitfalls is that you get tempted to hire people too early in

    the business.

    Because you are tired already from your day job, you will soon

    feel that it is justified that you hire a hand. But this is an expense

    you do not need yet.

    Aside from the added expenses you will incur, if you hire people

    without learning the business yourself first, you will end up

    becoming a hostage.

    What I mean is, dahil sila ang may alam kung paano nag wo-

    work ang negoyso mo, you will be afraid to reprimand them kahit

    may mga mali na silang ginagawa kasi natatakot ka na baka iwan

    ka nila.

    Grabeng stress yan sayo.

    Another problem is pwede kang pag nakawan ng tauhan mo.

    Pwede rin siyang mag tamad tamadan pag hindi ka nakatingin

    kasi he will never work hard enough because he doesnt own the

    business.

    Kung baga wala siyang care. Ang care nya lang ay ang mag

    sahod siya regularly. Hindi naman lahat na magiging tauhan mo

    ganito, pero marami sa kanila ang magiging ganyan.

    This is the reason why many employees dont go into business. It

    is stressful and isa pa magastos siya. The first few weeks baka

    wala kang kitain.

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Maswerte ka kung hindi ka lugi. Most of the time palabas lang

    lahat ang pera mo the first few weeks. Medyo malaki din ang

    capital niyan.

    I had a conversation once with the guy who sells BBQ chicken by

    SM Naga. I asked him kung pwede na bang pang negosyo ang

    P12,000 ko. Natawa lang siya. P15,000 daw kasi cart pa lang yan

    and equipment.

    Hindi pa diyan kasama ang chicken na ibebenta mo. Hindi rin

    diyan kasama yung babayaran mo sa municipyo at barangay para

    sa permits.

    Be prepared to spend at least P20,000 in order to get a part time

    business started.

    If you will start a part time business, you can increase the

    amount of your monthly savings. However, It will be a sacrifice,

    instead na nag papahinga ka nag tatrabaho ka pa din.

    A lot of people do not want this option kasi isipin mo ha, pagod

    ka na after working for 8 hours, tapos mag tatrabaho ka

    nanaman ng 4 hours more? Isa pa, baka mawalan ka na

    completely ng time para sa family mo.

    Compute din natin kung feasible ba ang part time business bilang

    pampabilis ng pag abot mo sa pangarap mo. Is it possible na

    kumita ka ng P10,000 per month sa business mo? If yes, then in40 years, naka save ka na ng another P4.8 Million.

    P4.8 M from your job plus P4.8 M from your business is equals to

    P9.6 Million.

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    You will have saved P9.6 Million in 40 years. It is a lot of money

    but still not enough to buy your P36 Million dreams.

    Bakit ka mag papaka pagod kung ganun rin lang naman pala ang

    kakalabasan? Kaya marami mga tao ang kumakagat sa promise

    of easy money. Ang problema most of these easy ways dont

    work.

    Nakapag taya ka na ba sa lotto?

    Just the other day may nanalo po ng P700 Million. And take note

    ha, mag isa lang siya.

    However, If you will leave to luck ung chance mo to gain

    financial freedom, then Im sorry pero hindi mo rin maabot yan.

    Siguro, pag sinuwerte ka.

    But dont leave that to LUCK. Kasi paano kung hindi ka

    swertehen. Marami ng tao ang nag taya sa lotto pero ilan na ba

    ang naging milyonaryo?

    Lotto.. ..Masaya pagtumataya

    Malungkot pag ditumatama

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Sabi nga nila, mas mataas pa daw ang chance mo na

    masagasaan ng jeep sa katatawid mo sa kalsada para lang

    makataya.

    Never leave your fate to chance, instead you can increase your

    skills and knowledge as well as gain positive mental attitude and

    fortitude para maabot mo mga pangarap mo.

    Investments

    Another thing that some people do is invest in mutual funds andstocks at 5-12% interest rate. If you will invest P10,000 of your

    savings every month, ito ang pwedeng scenario. Sabihin na natin

    na you got lucky at ang nahanap mong mutual fund ay malakas

    at kumikita ng 10%.

    Month

    Money

    Invested

    Interest

    Rate

    Accumulated

    Money

    January P10,000 10% P1,000February P20,000 10% P2,000

    March P30,000 10% P3,000

    April P40,000 10% P4,000

    May P50,000 10% P5,000

    June P60,000 10% P6,000

    July P70,000 10% P7,000

    August P80,000 10% P8,000

    September P90,000 10% P9,000

    October P100,000 10% P10,000

    November P110,000 10% P11,000

    December P120,000 10% P12,000

    TOTAL P78,000

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    Dar e to Dream

    Charleslaures4@gmail.com 0909-962-9553

    Mataas po ang possibility na lumaki talaga ang pera mo by

    i...