Bakit hindi yumayaman ang maraming Pilipino?

[killer16]

AGREE! i have NO savings. i have little investment on real estate. but i travel a lot with my family to America, Europe and Asia

Ok sige enjoy! what if something happened to you? Let's say you become disabled and couldn't work or worse, you die (wag naman sana). Will your family still have a comfortable life?

[sugarcup]

Kiyosaki acknowledged (in his book Retire Young, Retire Rich) that there are those who get rich from employment (CEOs, Presidents, VPs, Managers).

yeah, like nearly owning the company. napaka-obvious naman nyan. yung boss lang ng sister ko ang sweldo 300k/month. natural, mayaman na yun. what i mean is kung ordinary clerk ka sa gobyerno or agent sa isang call center..ganun po. may yumaman na ba sa ganun? wala naman diba! you really have to push and do extra effort like put up a business or dumiskarte pa ng iba pa.
kung malaki na kinikita mo pero wala pa rin? siguro wrong priorities and living beyond your means.

[sugarcup]

Kiyosaki and all those who say so are WRONG! I know a lot of people who are rich & much better off than so-called entrepreneurs pero empleyado lang sila all their lives. Yes, being in business can be financially rewarding... if you succeed. If it fails, it can also be financially devastating. The truth is hindi lahat ng tao cut-out to become entrepreneurs. You've got to have the right mix of attitude, knowledge, skills, discipline, persistence (and often connections) to succeed in business. If you don't have the "right stuff" yet you continue to pursue entrepreneurship, you will just be chasing rainbows all your life and will end up very frustrated

Wag sana nating tanggalan ng pag-asa ang milyung-milyong Pilipino na walang kakayahan na magnegosyo. There are other ways to achieve financial independence besides running a business. (Read some of the ways.)

Maraming salamat.

pano kung ang pinapasukan mong company ay nagsara or nagmerge sa ibang company at ikaw ay natangal sa trabaho? pano ka na???
kaya nga dapat daw maging business-oriented ang mga tao dahil hindi yun usual na tinuturo sa lahat ng tao. anything is always business related. yung pinapasukan mong company is also engaged in business. your relation with the company and any service you render is basically business. investing is also doing business. lahat yan related sa business. anything that concerns transactions.

I think Robert Kiyosaki is a lot credible because a billionaire like him who rose from scratch will not talk garbage. Otherwise, he would be wasting his time.
As always, nasa sa inyo yun kung ano ang gusto nyo sa buhay

[warfarin31]

Ok sige enjoy! what if something happened to you? Let's say you become disabled and couldn't work or worse, you die (wag naman sana). Will your family still have a comfortable life?

Hi there Killer16! we are based abroad. eto kasing lugar where we are currently based, free kasi ang education (as in free including pens, pencil, books etc. ang responsibilidad na lang ng mga anak ko is papasok nalang sa skul) and health services dito. we don't have to think about saving money for the tuition fee and for the hospitalization. our net income mabawas dyan is our bills only (pinaka malaki nakukuha is our local mortgage and our budget para real estate investment jan sa pinas). all children here from birth to18 y/o gets monthly financial support from the government. if my children decides to go to university and i don't have enough funds to support their education, the government will give them student loan. the amount of tuition fee for the university is universal. regardless anong course kunin ng bata, pareho lang ang amount ng fee na affordable basically sa earning family. all elderly here, regardless kung nakapag trabaho sila during there younger years, gets state pension. kaya nga sabi ng mga locals dito, you better spend your money on holidays kasi if you get old and you have about P300,000 in your bank, the government will require you to pay for your stay in the nursing home. pero if you get old and you have no savings at all, the government will have to pay for your stay in the nursing home. of course, the quality of care are the same.

malaking bagay din talaga na free yung education and health services kasi yung supposedly budget namin para sa education & health ay yun na ang ginagamit namin for our holiday!

kaya sa tanong mo in the event i will die or become disable: "Will your family still have a comfortable life?" the answer is big YES!

[burito123]

To Crisar: Thanks for the wonderful exchange of posts. More power!

To Giovanni: It's actually just a presented opportunity by my father. I've invested 200k. I'm just an investor and my father's partner is in charge with the over-all operations of the canteen. We have I believe more than 30+ canteens. Only one agreement for all as our partner has the right for all canteens.

More power!


The advocate,

DAVE AGUILA

tsk tsk. a PRESENTED OPPORTUNITY BY MY FATHER? ha ha ha. then advocating how Filipinos will earn more money when in fact you really can't earn that much without the help of another person (in this case your father). this is kinda funny especially what transpired in the Cell Defense thread at the Technology Today section.

problem with some people just because they joined and earned in some money making opportunity like the Multi-lvel marketing or Network marketing, they become instant sensations.

anyway, some reasons why filipinos are not rich

- education (lack of it, the substandard way of delivery and passe ideas
- corruption in politics
- lack of political will
- values learned by most of us where power and money is believed to be the only answers to life
- always jumping into the bandwagon (nakikiuso kaya nga kahit alang pambayad sa mga cellphone ok lang kahit kunin on credit)

life will always be like that. collectively, kung magsisipag lahat at magiging kuripot or praktikal, maari pa naman lahat umasenso

[MR.JOHANN]

Becoz some of us have an attitude of

ONE DAY MILLIONAIRE

Ubos biyaya,Bukas Nakatunganga

[the_advocate]

tsk tsk. a PRESENTED OPPORTUNITY BY MY FATHER? ha ha ha. then advocating how Filipinos will earn more money when in fact you really can't earn that much without the help of another person (in this case your father). this is kinda funny especially what transpired in the Cell Defense thread at the Technology Today section.

problem with some people just because they joined and earned in some money making opportunity like the Multi-lvel marketing or Network marketing, they become instant sensations.

anyway, some reasons why filipinos are not rich

- education (lack of it, the substandard way of delivery and passe ideas
- corruption in politics
- lack of political will
- values learned by most of us where power and money is believed to be the only answers to life
- always jumping into the bandwagon (nakikiuso kaya nga kahit alang pambayad sa mga cellphone ok lang kahit kunin on credit)

life will always be like that. collectively, kung magsisipag lahat at magiging kuripot or praktikal, maari pa naman lahat umasenso

Hanggang dito sa thread na to umeepal ka? Di ka pa nakuntento sa pagmamagaling mo sa kabilang thread ko?

Now, what's your objection sa "presented opportunity by my father"? I will not be surprised kung bakit di mo maintindihan yan kasi sa simula pa lang ng response mo sa kabila kong thread it shows na puro ka lang daldal at wala kang alam kundi dumaldal. Ikaw talagang ang opportunity lang na nakikita mo dumakdak kasi yun lang ang kaya ng utak mo eh. You earn more with the help of other people. Tingin mo yayamin si Sy ng sobra kung siya lang? Si Tan kung siya lang? Teka, kilala mo ba yung mga yun? Baka hindi eh. I'm sure kilala mo, madaldal ka eh. Pero di mo nga lang alam ang sinasabi mo. To be ultra rich, you need other people.

Opportunities come from different sources. Minsan, you get to observe something and it becomes an opportunity. Minsan, someone present it to you and you feel it's an opportunity. Pinapatunayan mo talagang mangmang ka eh noh?

Pero I won't exert effort in explaining things to you kasi bobo ka eh. Oooppsss... To those people who'll see why bastos ako magsalita sa tao na to, check out http://www.pinoyexchange.com/forums/...d.php?t=352575 at dun makikita niyo anong uri ng tao eto kaya di dapat galangin dahil di marunong gumalang.

Inconsistent ka. Dito naman feeling magaling ka sa payo mo as to why Pinoys are poor. Haaayyyy... Kahit na anong pagpapanggap mo, walang mangyayari diyan. It should start in your "core". In your case, ang core puro basura, kaya ang lumalabas sa bibig mo, basura din. May papayo-payo ka pa, puro ka daldal.

Galit na galit ang dating ng payo mo about money pero kayod ka naman ng kayod. If money is really not important to you. Stop working. Ipokrito. Isa ka sa mga Pinoy na binibigyan ng masamang kahulugan ang pera whereas in fact it is a gift. Kasi mukhang pinang-aadik mo ang pera mo kaya balubaluktot ang responses mo.


The advocate,

DAVE AGUILA

[the_advocate]

And one more thing, mighty Burito123, I'm a sensation just because I earned in MLM? E ikaw nga, wala ka pa feeling sensational ka na eh.

And I didn't say anything sa kabilang thread na sensation ako. Ikaw may sabi niyan. Thanks ha.

[killer16]

Hi there Killer16! we are based abroad. eto kasing lugar where we are currently based, free kasi ang education (as in free including pens, pencil, books etc. ang responsibilidad na lang ng mga anak ko is papasok nalang sa skul) and health services dito. we don't have to think about saving money for the tuition fee and for the hospitalization. our net income mabawas dyan is our bills only (pinaka malaki nakukuha is our local mortgage and our budget para real estate investment jan sa pinas). all children here from birth to18 y/o gets monthly financial support from the government. if my children decides to go to university and i don't have enough funds to support their education, the government will give them student loan. the amount of tuition fee for the university is universal. regardless anong course kunin ng bata, pareho lang ang amount ng fee na affordable basically sa earning family. all elderly here, regardless kung nakapag trabaho sila during there younger years, gets state pension. kaya nga sabi ng mga locals dito, you better spend your money on holidays kasi if you get old and you have about P300,000 in your bank, the government will require you to pay for your stay in the nursing home. pero if you get old and you have no savings at all, the government will have to pay for your stay in the nursing home. of course, the quality of care are the same.

malaking bagay din talaga na free yung education and health services kasi yung supposedly budget namin para sa education & health ay yun na ang ginagamit namin for our holiday!

kaya sa tanong mo in the event i will die or become disable: "Will your family still have a comfortable life?" the answer is big YES!

aba ayos yan ah!! siguro sa London yan. hehe... well if that's a big yes then good! at least you guys have that kind of oppurtunity but here in the Philippines, people have to really think of their future. yun lang naman sa akin.

Cheers!!

[burito123]

the advocate,

ha ha ha. talagang pinalabas mo lang ang tunay na kulay mo. isipin mo, pinapatulan mo ang mga hirit ko kahit ika nga e may pagka-bobo ang dating ko. sino kaya ang apektado? sino kaya ngayon ang bastos? bastos ako pero mas bastos ang ginagawa mo. apektado ka dahil alam mo na nilabas ko tunay mong kulay. mukha ka lang pera. gusto mo magkapera sa expense ng ibang tao. ang katulad mo ang isa pang reason kung bakit marami ang di yumayaman o naghirap. ang mga tulad mo na manloloko. tutulong lang kayo kunwari dahil mas malaki ang balik sa inyo.

alam mo kung talagang mahusay kang tao, kahit anong pambabastos o pangungutya sa iyo, maipapaliwanang mo yan ng maayos. ang ginto kahit malubog sa burak e ginto pa rin. pero ikaw ano ka ngayon? sa tingin mo ba e may maniniwala pa sa iyo ngayon?

pwede pa kung magpapalit ka ng handle dito pero kaso nagpakilala ka na. dave aguila. tsk tsk tsk.

[burito123]

one more thing, di po ako galit sa pera gusto ko nga syang best friend. wala syang masamang kahulugan para sa kin. ang nakakainis lang e yung mga taong gagamitin ka pa para lang magkaroon sila. tsk tsk tsk

[killer16]

Becoz some of us have an attitude of

ONE DAY MILLIONAIRE

Ubos biyaya,Bukas Nakatunganga

True!! Maraming Pilipino ang nag iisip na magiging mayaman lang sila through Lotto jackpot!

As in naka invest daw ang mga numerong tinataya unlike in the US, mga spare change lang nila ang pantaya. Sa pinoy, ilang taon inipon ang numero para itaya. funny... pero it's a sad scenario as well.

[the_advocate]

Aminado ka talagang bastos ka eh noh. Hmmm... Kaya pala ang hirap mong kausapin eh.

Talagang bobo ka. Pinalabas mo ang tunay kong kulay? Dumepensa lang ako kasi ako labas ang pangalan ko sa internet di tulad mo na nagkukubli sa username mo. Tingin mo kung naging maayos ang sinabi mo, ganito ang mga salita ko sayo? Hmmm... Gano ka kaya talaga kabobo? I used to believe na walang bobo pero in your case, it's an exemption.

Bastos ako? I don't think so. Binabalik ko lang sayo ang basura mo. Bastos ka, kaya bastos ako. Kung mabait ka, naging mabait ako sayo.

Mukha akong pera? Sino ang hindi? Ikaw hindi? E bakit nagtatrabaho ka? O baka naman hindi ka nagtatrabaho dahil tambay ka lang. Imagine, kung empleyado ka, nakukuha mo pang maginternet to talk about spending on gadgets? Hmmm... Kawawa naman ang employer mo. Ipokrito ka talaga. Sige na nga, di ka mukhang pera. Basura ka lang at mangmang. Magkapera sa expense ng ibang tao... Hmmm... Talagang walang alam. Pano ka kaya nagkakapera? Di ba't expense ng employer mo? Pano nagkapera si Tan? Di ba sa pagbigay ng sakit sa lungs ng mga tao... Pano nagkapera si Sy? Di ba sa paggastos ng mga tao sa sapatos niya nun...

At ang pagturo ko ng financial literacy sa tao galit ka? Hmmm... Pero sa sakit sa lungs na binibigay ni Tan hindi. Hmmm... Talaga naman. Alam mo ba ang sinasabi mo?

Ang katulad mo na walang ginawa kundi impluwensyahan ang mga tao na maging tulad mong closed minded ang nagpapahirap sa Pinoy. Hindi yung tulad namin na mga negosyante. Nagkataon lang pinili kong magturo kesa bentahan ka ng mga products na ikahihirap mo sa susunod.

Hindi ako katulad ng ibang mga negosyante na magmamalinis para lang may maniwala. Kung ang pagiging bastos mo ang paniniwalaan nila kesa sa pagdepensa ko sa kabastusan mo, then be it. More than money, importante sa akin ang prinsipyo ko. Kung sa tingin ng tao kababaan ang pagdepensa ko sayo, then be it. For me, hindi pwedeng bastusin ako lalo na ng tulad mo na walang alam. Naku baka mali ulit ang intindi mo dito... It means gusto ko ang pera pero not to the point na masisira ang integridad ko lalo pa ng accusations ng tulad mong bastos (na inamin mo na). Mas madali sana magbenta ng tulad ng binebenta ni Tan pero di ko ginagawa dahil labag sa prinsipyo ko yun. I'd rather sell financial literacy kesa gastos. E it seems gastador ka kaya galit na galit ka sa sinasabi ko kaya lumabas ang naturalesa mong pagiging bastos.

Bakit ako magpapalit ng username? Para sa mga takot lang na tulad mong madaldal pero di naman kilala kung sino siya talaga.


The advocate,

DAVE AGUILA

the advocate,

ha ha ha. talagang pinalabas mo lang ang tunay na kulay mo. isipin mo, pinapatulan mo ang mga hirit ko kahit ika nga e may pagka-bobo ang dating ko. sino kaya ang apektado? sino kaya ngayon ang bastos? bastos ako pero mas bastos ang ginagawa mo. apektado ka dahil alam mo na nilabas ko tunay mong kulay. mukha ka lang pera. gusto mo magkapera sa expense ng ibang tao. ang katulad mo ang isa pang reason kung bakit marami ang di yumayaman o naghirap. ang mga tulad mo na manloloko. tutulong lang kayo kunwari dahil mas malaki ang balik sa inyo.

alam mo kung talagang mahusay kang tao, kahit anong pambabastos o pangungutya sa iyo, maipapaliwanang mo yan ng maayos. ang ginto kahit malubog sa burak e ginto pa rin. pero ikaw ano ka ngayon? sa tingin mo ba e may maniniwala pa sa iyo ngayon?

pwede pa kung magpapalit ka ng handle dito pero kaso nagpakilala ka na. dave aguila. tsk tsk tsk.

[the_advocate]

one more thing, di po ako galit sa pera gusto ko nga syang best friend. wala syang masamang kahulugan para sa kin. ang nakakainis lang e yung mga taong gagamitin ka pa para lang magkaroon sila. tsk tsk tsk

Haaaayyyyy, jusko, anong utak ang meron to? Hmmmm... magresign ka na Burito123 at ginagamit mo ang pera ng employer mo para lang magkaroon ka ng pera. Grabe, tigas ng mukha mo, nagiinternet ka pa... Expense pa ng employer mo. Ginagamit mo pera ng employer mo para mambastos ka sa internet at para magsalita ng mga bagay bagay na wala ka namang alam.


The advocate,

DAVE AGUILA

[burito123]

Like i've said. this has got to hurt the advocate. tsk tsk tsk. too bad.

[the_advocate]

Like i've said. this has got to hurt the advocate. tsk tsk tsk. too bad.

Hurt? I don't think so. Just keep up what you do. I already know what your future will be. History just tends to repeat itself - some will be financially comfortable and others like you will be miserable.

Keep on dreaming and convincing yourself that you're good. Truth hurts. You may have clicked my patience but it soothes in time unlike your bad attitude, it takes great will to improve it. And I believe, you won't be able to change it. It's your nature.

[the_advocate]

Sa subscribers ng thread na to, sorry at naging avenue ng conversation namin ni Burito123. It should have been in my thread pero pinaabot niya dito eh.

Anyway, to the subscribers and readers, back to topic, "Bakit hindi yumayaman ang maraming Pilipino?"


The advocate,

DAVE AGUILA

[warfarin31]

aba ayos yan ah!! siguro sa London yan. hehe... well if that's a big yes then good! at least you guys have that kind of oppurtunity but here in the Philippines, people have to really think of their future. yun lang naman sa akin.

Cheers!!

Yes i understand what you mean. siguro if we are not based abroad, mag sasave talaga ako para sa future ng aking mga anak. by the way nasa UK kami. tnx

[killer16]

I knew it warfarin31!! may mga kaibigan kasi akong nakatira diyan.

To sir Dave. wag mo nang patulan yan. Nasisira lang yung thread na to e. hehe... peace!!! away na lang kayo privately. sayang kasi.. dami pa namang pwedeng matutong Pinoy sa thread na to.

[burito123]

Thank you sa advise Mr. Killer16.

Ulitin ko lang sinabi ko.

anyway, some reasons why filipinos are not rich

- education (lack of it, the substandard way of delivery and passe ideas) this includes financial illiteracy
- corruption in politics
- lack of political will
- values learned by most of us where power and money is believed to be the only answers to life
- always jumping into the bandwagon (nakikiuso kaya nga kahit alang pambayad sa mga cellphone ok lang kahit kunin on credit parang sa damit din yan nakikiuso kahit hindi bagay)

life will always be like that. collectively, kung magsisipag lahat at magiging kuripot or praktikal, maari pa naman lahat umasenso.

O ayan ang mga usual reasons at marami pa nyan. Ano ngayon sa tingin mo ang solusyon? Fire!