Author Topic: Why There Are Poor and Rich People in our World.  (Read 12981 times)

gelyan

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Re: Why There Are Poor and Rich People in our World.
« Reply #40 on: May 23, 2008, 10:24:10 AM »


Gelyan, this is very well said. Now i know you...

 ;) ty te  ;D

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Lorenzo

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Re: Why There Are Poor and Rich People in our World.
« Reply #41 on: May 23, 2008, 11:57:51 AM »
That is  very true.

I am happy being poor anyway.

I am poor but my heart is rich, i have my children and hubby that love me for the rest of my life, they are my treasures,jewels,diamonds and most of all my life.

There is a saying, Ma'am Langgam. That a healthy and loving family is worth more than all the jewels and money in the world. Your post reminded me of that saying. :)

I agree bitaw.

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Re: Why There Are Poor and Rich People in our World.
« Reply #42 on: May 24, 2008, 05:11:57 AM »
poor people start in wanting to get rich when they are exposed to the lifestyle of the rich people raman..
because they would start to compare ..
murag ang mga tribe nga wala pa na discover ba
what you dont know wont hurt you bya jud..:)
as long as d pa ma expose they will be contented with the Functionalism Theory (as per gelyan)


baman sa wala pa gi diagnosed nga cancer wala man na luya kay wa pa naka hibaw..psychological pud. naa rajud na sa pagdala sa contentment of what you have in life


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Lorenzo

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Re: Why There Are Poor and Rich People in our World.
« Reply #43 on: May 25, 2008, 12:55:27 AM »
Very true, Bem. You see alot of the materialism syndrome here in the United States. Its as if the neighbor wants what the next door neighbor has. An endless competitive cycle. If one gets a new car, the other gets a bigger car. If one gets a water sprinkler system installed, the other gets one that is bigger. If one gets a fence, the other gets  a bigger fence. If one gets  a dog, the other gets 2 dogs.

So what I like to do is just adopt the "I just don't care" concept. If a neighbor does something or gets something, I just dont care. So long as we have food on the table, the kids are going to school, getting good grades, so long as my parents are in good health, happy, so long as we go to church and receive grace. Okey ra jud ko.

Sure, there are natural urges to get things. But if one falls into the pit of competition with your neighbor, it tends to be hard to get out of it.

Living in suburbia, I notice this completely. Even when I walk my dog around my neighborhood, its as if the neighbors are always competing with each other. When one turns on their sprinkler system, the other does too. LOL.

Its like observing little children. Child mentality, if you think about it.



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LanggamTamsi2

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Re: Why There Are Poor and Rich People in our World.
« Reply #44 on: May 25, 2008, 08:53:48 AM »
There is a saying, Ma'am Langgam. That a healthy and loving family is worth more than all the jewels and money in the world. Your post reminded me of that saying. :)

I agree bitaw.

tinood jud na dong, para nako jud basta himsog lang ming tanan, I FEeL rich na jud.

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Happy

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Re: Why There Are Poor and Rich People in our World.
« Reply #45 on: May 27, 2008, 05:28:48 PM »
kung magbase ta sa open social ladder society, makasulti ta nga ang pobre dili gugihan ang datu kugihan.. mao nay ginatawag ug achieve status kung muasenso naka gamay in sociological terms social mobility. pero naa sad ta ginatawag na ascribed status kanang pagkatao palang nimo dato naka tungod sa parents nimo. wala ka naningkamot or naningtuhod ana kay mana na nah nimo...dili naka kailangan magbanat ng buto hehehe tama ba?
pasalamat ta kay dili ta nabelong aning ginatawag na caste system sa unang panahon. where in kung matao ka aning kalibutana nga pobre..pobre naka for life...kung datu ka inig katao nimo swerte ka.... mao man ni ang system sa Indian before pero giabolished na nila...atleast nataohan sila dba para fair ang competition sa society!
pero kung magobserve ta dili pwede magpantay2x ang stado sa mga tao...kay kung datu tanan kinsa naman mananom, manglimpyo sa balay as helpers, wala nay magdriver, wala nay magyaya ug bata, etc kay taas na gud tanan position. puro na naay power or authority wala nay magpaubos..hehehe gubot dba? Mao man ni explanation sa Functionalism Theory.
Functionalists see society as made up of inter-dependent sections which work together to fulfill the functions necessary for the survival of society as a whole. People are socialized into roles and behaviors which fulfill the needs of society. Functionalists believe that behavior in society is structural. They believe that rules and regulations help organize relationships between members of society. Values provide general guidelines for sexual and physical behavior in terms of roles and norms. These institutions of society such as the family, the economy, the educational and political systems, are major aspects of the social structure. Institutions are made up of interconnected roles or inter-related norms. For example, inter-connected roles in the institution of the family are of wife, mother, husband, father, son and daughter.
Pero dili man na ang big deal ba as long as naa lang tay makaon, mapalit kung naa tay gusto. ang mga pobre bitaw bisan unsa kalisod naa jud na makaon. ;D In Biblical manner, ang importante is giunsa nato pagbuhat ang atong palasyon sa langit inig kawala nato aning kalibutana... busy kaayo ta cge padatu unya dili man na nato madala inig kamatay..hehehe mga steward lang ta aning kalibutana.  ;)


Well said, Gelyan :)

Kung puro amo, walay suluguon.
Kung puro babae wala nay lalaki, ang resulta, walay anak.

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Re: Why There Are Poor and Rich People in our World.
« Reply #46 on: May 29, 2008, 03:52:59 PM »
 some rich people inherited their wealth from there family,what im amazed are those young talented individuals who got their wealth through their hard work and talent,like the founder of facebook..on the other hand for those poor people but with ambition and luck they manage to become wealthy or those really lucky millioners who won the lottery..but i feel sorry for those individual who were rich before and becoming poor,those poor people who are still on poverty line badluck and lack of courage probably the caused but what matters me most are those getting rich by means corruption...

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gelyan

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Re: Why There Are Poor and Rich People in our World.
« Reply #47 on: May 29, 2008, 04:18:05 PM »
apil na nah sa gisulti nila..there are 3 ways to get rich!

1. be a businessman
2. build your own church
3. join the government

naa pa ba uban?...hehehe

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gelyan

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Re: Why There Are Poor and Rich People in our World.
« Reply #48 on: May 29, 2008, 04:24:36 PM »
yeah ms happy! dili man jud nato maeliminate ang social ranking...ok na ang open system nato nga anytime pwede ta musaka kung maningkamot ta then pwede pud mubaba sa socia ladder kung mapordoy na. ;D sa maningkamot ug maningtuhod lang.

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kiamoy

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Re: Why There Are Poor and Rich People in our World.
« Reply #49 on: May 29, 2008, 09:38:23 PM »
be a government official..hehe evil.

seriously. do business

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Lorenzo

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Re: Why There Are Poor and Rich People in our World.
« Reply #50 on: May 30, 2008, 01:52:58 AM »
One way to be rich:

Whatever pay you get, put 50% in the bank. The rest can be placed for expenses.

They key is to save up for a rainy day.

Think about it this way, if you get a pay check of say $5,000.00 a month. If you put $2,000-2,500 in the bank, that means you will only spend around $2,500. This will mean you will be forced to limit your spending and your purchasing habits.

Keep this up for about 6 months. And I guarantee you in 6 months you will have a solid $15,000.00 saved up. If you continue it for another 6 months then you will have saved $30,000.00 in one year.

Continue this for two years and you would have saved around $60,000.00! Can you imagine!

This is how you become 'rich'. You must learn to save. And control your spending habits.
The quickest way to 'poordom' is excessive spending; spending beyond your limits.

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Lorenzo

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Re: Why There Are Poor and Rich People in our World.
« Reply #51 on: May 30, 2008, 02:03:19 AM »
I work with Dr. Bermmingham, here in the local hospital clinic. I volunteer in his office once or twice a month and have become his friend these past two years. And from what I've learned from him is his remarkable business skills. Which have been attributary to his successful medical clinic(s).

Dr. B told me that the key to his success was his 'restrained' spending. Years immediately after his graduation from medical school, he struggled to pay off his school debt, and after 5 years, he was able to pay his total debt.

And he began what he refers to as the 'restrained spending lifestyle'. 50% of what he made a month was placed in his bank. Savings.

He did this for one year, and can you imagine that in one year he was able to save up $200,000.00! In one year alone! Even with two clinics under his name, he still does this. Just running two clinics and saving 50% of what he grosses in a month, he is able to save close to a Million dollars in a year.

To me, that is perfect business skills. Great life tips, IMHO.

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enadespinosa

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Re: Why There Are Poor and Rich People in our World.
« Reply #52 on: May 30, 2008, 03:35:52 PM »
@ lorenzo admin,controlling the cashflow is verry effective way to save but what about those who are earning on minimum wage and just rely only on their salary for living..i dont think they can be a rich guy even for along period of time.and speaking of bussines only few real pinoy into a big bussines mostly foreigners who are enjoying the fraud with the connections of some govt officials,im talking about paying the tax theyve earned from their biz. and the benifits and salary of their employees.

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Re: Why There Are Poor and Rich People in our World.
« Reply #53 on: May 30, 2008, 05:58:11 PM »
But in the case of our beloved Philippines, as long as we cannot get out  on our semi colonial and semi feudal  system, yet the 2 classes elite in our society will still exists (the poor and the rich).Our country is facing these three basic problems, namely: imperialism, feudalism and bureaucrat capitalism,which now ruthlessly exploit the broad masses of the Filipino people. These three historical evils are the basic problems that afflict Philippine society, nga bisan unsaon pa nato og pagpaningkamot ang atong kita igo rang itubag sa atong inadlaw adlawng panginahanglanon, ang katawhan gigisa lang intawn sa kaugalingon niyang mantika..

Hows does imperialism monopolized the Filipino people?
The semicolonial character of Philippine society is principally determined by U.S. imperialism.
In an uneven and spasmodic way, U.S. surplus capital has been invested in the Philippine economy. At present the U.S. monopolies and their local subsidiaries own or control such businesses involving petroleum14, tire and rubber, drugs, fertilizers, chemicals, mining, heavy equipment, marketing, transport facilities and others. The majority of the biggest corporations in the Philippines today are American. They control at least 50 per cent of the total business assets in the country.

And what about feudalism?
Feudalism is a mode of production in which the principal forces of production are the peasants and the land which they till and the relations of production are basically characterized by landlord oppression and exploitation of the peasantry. The most immediate manifestation of feudalism is the possession of vast areas of cultivable land by a few landlords who themselves do not till the land and who compel a big number of tenants to do the tilling. Feudal relations between the parasitic landlord class and the productive peasantry essentially involve the extortion of exorbitant land rent in cash or kind from the latter by the former. Such basic relations leave the tenant-peasants impoverished as their share of the crop is just enough or even often inadequate for their subsistence. Ang mga mag-uuma nga maoy mismo nitikad sa yuta og nimugna og prudokto aron ipakaon sa tibuok katawhang Pilipino saop man lang gihapon..ang tinood nga reporma sa yuta  ang ilang  gipangita, ibalik na ang yuta nga dugay na nilang gipangandoy.

And bureaucrat capitalism refers to our government officials..they are the sources  of Graft and Corruption,,get bribe money on the adoption of laws, executive orders and court decisions. In every contract, concession, franchise or license there is a certain amount of money that is used to line the pockets of the bureaucrat capitalists. Oftentimes, they themselves are parties in private transactions directly or through trusted dummies or relatives.

Huh bisan unsaon pa nato og pangbatbat ang ilang kadunot sa pagdumala, pabilin lang japon silang magpakabuta bungol sa isyu sa atong katilingban..Mao nga kung kining maong kining 3 ka batang suliran magpabilin sa atong katilingban pabilin usab nga adunay kabus og adunay adunahan..

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Re: Why There Are Poor and Rich People in our World.
« Reply #54 on: June 01, 2008, 11:21:58 PM »
One way to be rich:

Whatever pay you get, put 50% in the bank. The rest can be placed for expenses.

They key is to save up for a rainy day.

Think about it this way, if you get a pay check of say $5,000.00 a month. If you put $2,000-2,500 in the bank, that means you will only spend around $2,500. This will mean you will be forced to limit your spending and your purchasing habits.

Keep this up for about 6 months. And I guarantee you in 6 months you will have a solid $15,000.00 saved up. If you continue it for another 6 months then you will have saved $30,000.00 in one year.

Continue this for two years and you would have saved around $60,000.00! Can you imagine!

This is how you become 'rich'. You must learn to save. And control your spending habits.
The quickest way to 'poordom' is excessive spending; spending beyond your limits.

Hala, ka nindot ani dong. Maayo ni himuon dah. Mao man pud ni giingon ni Suze Orman.

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Re: Why There Are Poor and Rich People in our World.
« Reply #55 on: June 02, 2008, 02:14:54 AM »
Hala, ka nindot ani dong. Maayo ni himuon dah. Mao man pud ni giingon ni Suze Orman.

You know, back then, I got involved in a tripartite project with Phil government represented by a government-owned bank, our private bank and the German GTZ.  We set up a bank in the municipalities of Alcoy, Boljoon and Oslob in South Cebu where there's concentration of the German GTZ.  I remember how good we were in talking about inculcating the value of savings in various cooperatives with members mostly farmers.  Same thing among gi ingon.  Savings should be a part of the budget and not just save whatever left after spending for food, tuba, clothings, etc.  And later it dawned on me that my action was not according to my words.  hahahah  Wa jud savings kay di jud ka igo and if ever naay ma save ginagmay, magamit gihapon for hospitalization or tabang sa pamilya.  Anyhow, I was just proud that the farmers there  really had savings which we were able to set up a quasi-bank for them we called People's Development Fund. 

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Re: Why There Are Poor and Rich People in our World.
« Reply #56 on: June 02, 2008, 05:53:45 AM »
apil na nah sa gisulti nila..there are 3 ways to get rich!

1. be a businessman
2. build your own church
  3. join the government

naa pa ba uban?...hehehe

I'm sorry Gelyan I must disagree the above 3 numerated ways to become rich....

 1. If you will engage into business...first you need a big capital, good knowledged for business transactions and good     
    nerves for the customers who might come for a daily credits;....So, morag pordoy lang gihapon ang labas, di ba? Ikita kag away, daghan 
    kay makontra.  >:(  No dice for a kind hearted Pinoy. BUSINESS is not the right way!

2. With a  strong educated catholic belief, we Pinoys are already subjected to raise dozen  of kids.  More kids means more
    hungry mouths to feed, right? No way out then based from the  82% of the Pilipinos are catholic. Unless until, you will
    build a new sect with many rich followers with high valued donors; Might be a way  :-\ RELIGION is also not the answer!

3. Join the government - you must have to follow the nature of our politicians - admit and be corrupt it will result you to get rich
    but as a strong catholic...fearing to God and want to tender an honest services.  So, this could be not the right way as
    soon as you will be at yourself. Hungry monthly salary wouldn't even enough... :( POLITICS - is  a dirty/devil business!

    In my own opinion the best way to become rich is not through these 3 other ways cited.  You must have only to be honest and believe of yourself and  disregard all material things in which you will not carry until death. Being RICH it is the feeling of what you honestly achieved which gives you  full satisfaction in life.  Indeed, material things are all passing scence but spiritually richness is lasting.  Millionaires are also having their own problems,right? You will be having a RICH FEELINGS if you know how to deal your own capabilities and  respect towards yourself and learn to accept that life is still beautiful if you will look on the other side of it. :) MONEY - is not a real LIFE! :)

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Re: Why There Are Poor and Rich People in our World.
« Reply #57 on: June 02, 2008, 06:11:21 AM »
pero pud ate bambs, we need to be practical in order to survive..?

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Re: Why There Are Poor and Rich People in our World.
« Reply #58 on: June 02, 2008, 06:20:03 AM »
pero pud ate bambs, we need to be practical in order to survive..?

of course ms. kiamoy. but not to the extent of ones capabilities....i mean not in all means that one must have to sale her/his soul for money. 

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Re: Why There Are Poor and Rich People in our World.
« Reply #59 on: June 02, 2008, 06:27:19 AM »
okay i get your point te, one should be contented to what he/she has..

then again we are exposed (thru media,hypes) to what others have..
by nature we strive to achieve or overcome their situation in life..
i think it is only when we realize and accept what we can only have, do we know that life after all is not all about the money..
so it all goes back to your opinion..

pro te, i think all people at one point in their life strived to have more than what they have..




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Re: Why There Are Poor and Rich People in our World.
« Reply #60 on: June 02, 2008, 06:34:34 AM »
Recently I overheard a mother and daughter in their last moments together at the airport. They had announced the departure.

Standing near the security gate, they hugged and the mother said, "I love you and I wish you enough".

The daughter replied, "Mom, our life together has been more than enough. Your love is all I ever needed. I wish you enough, too, Mom".

They kissed and the daughter left. The mother walked over to the window where I was seated. Standing there I could see she wanted and needed to cry. I tried not to intrude on her privacy but she welcomed me in by asking, "Did you ever say good-bye to someone knowing it would be forever?".

Yes, I have," I replied. "Forgive me for asking,
but why is this a forever good-bye?".

"I am old and she lives so far away. I have challenges ahead and the reality is - the next trip back will be for my funeral," she said.

"When you were saying good-bye, I heard you say, 'I wish you enough'. May I ask what that means?".

She began to smile. "That's a wish that has been handed down from other generations. My parents used to say it to everyone". She paused a moment and looked up as if trying to remember it in detail and she smiled even more. "When we said, 'I wish you enough', we were wanting the other person to have a life filled with just enough good things to sustain them". Then turning toward me, she shared the following as if she were reciting it from memory.

I wish you enough sun to keep your attitude bright no matter how gray the day may appear.

I wish you enough rain to appreciate the sun even more.

I wish you enough happiness to keep your spirit alive and everlasting.

I wish you enough pain so that even the smallest of joys in life may appear bigger.

I wish you enough gain to satisfy your wanting.

I wish you enough loss to appreciate all that you possess.

I wish you enough hellos to get you through the final good-bye.

She then began to cry and walked away.

They say it takes a minute to find a special person, an hour to appreciate them, a day to love them but then an entire life to forget them.

To all my friends and loved ones,
I WISH YOU ENOUGH

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Re: Why There Are Poor and Rich People in our World.
« Reply #61 on: June 02, 2008, 06:36:47 AM »
apil na nah sa gisulti nila..there are 3 ways to get rich!

1. be a businessman
2. build your own church
3. join the government

naa pa ba uban?...hehehe
4. develop a technology that surpass the use of computers...

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Re: Why There Are Poor and Rich People in our World.
« Reply #62 on: June 03, 2008, 01:08:41 AM »
okay i get your point te, one should be contented to what he/she has..

then again we are exposed (thru media,hypes) to what others have..
by nature we strive to achieve or overcome their situation in life..
i think it is only when we realize and accept what we can only have, do we know that life after all is not all about the money..
so it all goes back to your opinion..

pro te, i think all people at one point in their life strived to have more than what they have..



Very correct!....
yes, dear Kiam of course you, me and others are striving hard short to fainting for lifes survival.  And we forget to feel life importance and that we just shortly be existing.  We are more affected as what media reported and on the other hand sorry to say that  life is more as competition...who has more? - An uncontrolled grudge feelings against others is always present. Yes, a person could really work more as he/she can physically allowed but there is sense of that saying: DAKO GANI UG BUTONES, DAKO SAB UG OHALIS. Get me?  Better....don't spend more as what you've earned otherwise it goes directly to the wrong directions. To tell you, I really worked hard in my whole life...not intending to become rich but I feel rich by way of sharing and through this have always the feeling, I have enough......and this makes me satisfied and I am happy for this.

Very interesting to read these sentences from slackware: "I wish you enough.......satisfaction whatever life opportunities come accross your way, my dear little girl Kiam.

thanks slackware for sharing this to us.

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Re: Why There Are Poor and Rich People in our World.
« Reply #63 on: June 03, 2008, 03:01:20 AM »
@ lorenzo admin,controlling the cashflow is verry effective way to save but what about those who are earning on minimum wage and just rely only on their salary for living..i dont think they can be a rich guy even for along period of time.and speaking of bussines only few real pinoy into a big bussines mostly foreigners who are enjoying the fraud with the connections of some govt officials,im talking about paying the tax theyve earned from their biz. and the benifits and salary of their employees.

Even if one is in the struggling middle class or working class, saving up is still a logical option. There is no excuses for debilitating debt, its all based on controlling your expenses and your unecessary habits.

There are people who I work with in the local hospital who are making and earning minimum wage. Yet they are still in a comfortable situation. Why is that?

1. They save at least a good proportion of their pay check. For example, if you're making minimum wage and earn about $1500 a month, then saving a good $300 from your pay check every month is key. Doing this will limit food necessities and dictate spending habits. Necessitating the need to cut back on unnecessary and 'expensive' habits.

As in cutting back on chocolates, cutting back on staying late at night, cutting back on water sprinklers, cutting back on electricity, turning off unecessary cable channels, trading in your SUV for a gas-efficient car.

$300 a month of savings might not seem alot, but in 10 months time, that is $3,000 worth in savings for a rainy day. Keep this up for 2-3 years and you will have about $ 6,000 to $9,000 saved up.

Or if $300 a month is too much for you, save up at LEAST $150 a month. In two years time that is $3,000 in savings. If you place this in your savings or in time deposit, you will not only retain its savings security but will incurr 5% interest generations.

Start now! Save Now! Keep this up and saving a minimum of $300 a month for a year will turn into $3,000. Imagine if you do this for 10 years? Thats $30,000. If you put this in the savings bank, it will incur interest growth of 5% every year. Think about it! Your money grows as you save up.

Its all about keen decision making economic skills. Think not only on the 'here and now' but on the future. Think retirement policy, think emergency 'what if' situations.

Cheers,

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Re: Why There Are Poor and Rich People in our World.
« Reply #64 on: June 03, 2008, 03:12:11 AM »
@ lorenzo admin,controlling the cashflow is verry effective way to save but what about those who are earning on minimum wage and just rely only on their salary for living..i dont think they can be a rich guy even for along period of time.and speaking of bussines only few real pinoy into a big bussines mostly foreigners who are enjoying the fraud with the connections of some govt officials,im talking about paying the tax theyve earned from their biz. and the benifits and salary of their employees.

Very false. Do you know that the Filipino-American is the highest grossing Asian ethnicity in the United States? Averaging at about $65,000 a year? And you know that Asian-Americans make the most of any ethnicity in the United States?

The average White American makes around $45,000 a year. Average Asian-American makes around $55k+. The Filipino averages at $65,000.

Many Filipinos here in the United States, if not all, are in the upper middle class or in the elite class. Majority are Nurses, Engineers, Physicians, Dentists, etc. Who make easily over $100,000 a year. If not more than that.

And do you know what is key for our success? It is our saving's ability. Filipino-Americans are incentive based. We purchase large homes not for housing reasons, but for security reasons. Homes are a good financial safe. It retains its property cost. We invest alot into our savings, on wallstreet investment as well as on franchises.

Do you know that Filipino-Americans are one of the largest Asian-American groups that are involved in the franchise industry? As in owning 2 to 3 McDonalds, Burger Kings, KFC, Dunkin Donuts, etc. This is obviously present in the West Coast as well as in the East Coast.

Do you know that the majority of physicians who are of Asian-decent are Filipinos? Filipino and Indian doctors DOMINATE the American medical field. Why is this? How is it that such a small minority group that makes up only .08% of the American population can become a major player to the entire American Medical System? Because of business incentives. And savings!

Filipino Doctors, Dentists, Physical Therapists do not settle. They end up owning entire hospitals, clinics, units, and are either the Heads of medical units. Notice that most Filipino Doctors own their own clinics AS well as do hospital rotations on the side. Business skills, my friend.

The reason why Filipinos are so successful in the United States is because of that reason. Savings. Hard work. That is why Filipinos are THE most successful ethnic groups in the United States.

When Americans think Filipino, they Think immediately of a 'Rich' Doctor, Nurse, Engineer, Physical Therapist or Teacher.

They Think immediately of Professional. Educated. Elite.

How did they get there? Savings.

:)

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Re: Why There Are Poor and Rich People in our World.
« Reply #65 on: June 03, 2008, 10:11:19 AM »
Hala, ka nindot ani dong. Maayo ni himuon dah. Mao man pud ni giingon ni Suze Orman.

Even if not 50% of the income, at least save 15-20% of it. Trust me it accumulates in one years time. I myself have been doing this for the past 7 months and believe me. It pays off. If a poor Medical Student such as myself can do it, anyone can.

Even if its as little as $50-$70 a month. Think about it this way, in 10 months time or a year's time you would have saved up some $700-$800 dollars.

The trick to this is to save up and do this subconsciously. Everytime one gets a pay check every 2 weeks, always take your appropriated savings and stash it away. Somewhere where you know you won't touch it. Like a savings bank or in time's savings.

This is why the 'rich' people stay rich. They always manage to save up for a rainy day. Over time, what they once deemed as 'side savings' will become a 'Pot of Gold' in a figurative sense. So why don't we, the middle class and working class, try to adopt some of their tactical strategy, okay? If they can do it, so can we. :)

Cheers,

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Re: Why There Are Poor and Rich People in our World.
« Reply #66 on: June 03, 2008, 03:33:21 PM »
Unya kung pareha anang, nagtrabaho sa Mepza, nga molimpyo lang ug 3,000 pesos ang kinsena, nya mao ray saligan sa bayad sa boarding house, pagkaon ug ipadala pa sa guinikanan, itabang pa sa mga igsoon kay nag iskwela. Unsaon ba pagtigum nga naglisud naman gani ug bahin.

Siyempre, kinahanglan pud sa tawo nga maglingaw lingaw ug ginagmay, so iapil pa jud sa budget ang para lingaw lingaw, kay work and no pleasure makes a person crazy man hahaha
Boring bitaw sige work walay lingaw lingaw, makabuang jud.

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Re: Why There Are Poor and Rich People in our World.
« Reply #67 on: June 03, 2008, 03:35:42 PM »
Unya raba sa Mindanao Region tag 52 pesos na ang rice per kilo,maglugaw na lang ta ani kada-adlaw.

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Re: Why There Are Poor and Rich People in our World.
« Reply #68 on: June 03, 2008, 03:39:50 PM »
Tinuod bitaw no, ingon sa akong mama nga ang kinamahaln daw didto sa ilang palitanan kay tag 40 ang kg man siguro to.

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Re: Why There Are Poor and Rich People in our World.
« Reply #69 on: June 03, 2008, 04:04:24 PM »
Unya raba sa Mindanao Region tag 52 pesos na ang rice per kilo,maglugaw na lang ta ani kada-adlaw.

Ang problema mag lugaw, Aya san, kay dali ra pod magutmon.  Maayo pa mag mais na lang aron dunot jud ang busog and healthier pa especially sa mga diabetics.

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Re: Why There Are Poor and Rich People in our World.
« Reply #70 on: June 03, 2008, 06:31:53 PM »
Very false. Do you know that the Filipino-American is the highest grossing Asian ethnicity in the United States? Averaging at about $65,000 a year? And you know that Asian-Americans make the most of any ethnicity in the United States?

The average White American makes around $45,000 a year. Average Asian-American makes around $55k+. The Filipino averages at $65,000.

Many Filipinos here in the United States, if not all, are in the upper middle class or in the elite class. Majority are Nurses, Engineers, Physicians, Dentists, etc. Who make easily over $100,000 a year. If not more than that.

And do you know what is key for our success? It is our saving's ability. Filipino-Americans are incentive based. We purchase large homes not for housing reasons, but for security reasons. Homes are a good financial safe. It retains its property cost. We invest alot into our savings, on wallstreet investment as well as on franchises.

Do you know that Filipino-Americans are one of the largest Asian-American groups that are involved in the franchise industry? As in owning 2 to 3 McDonalds, Burger Kings, KFC, Dunkin Donuts, etc. This is obviously present in the West Coast as well as in the East Coast.

Do you know that the majority of physicians who are of Asian-decent are Filipinos? Filipino and Indian doctors DOMINATE the American medical field. Why is this? How is it that such a small minority group that makes up only .08% of the American population can become a major player to the entire American Medical System? Because of business incentives. And savings!

Filipino Doctors, Dentists, Physical Therapists do not settle. They end up owning entire hospitals, clinics, units, and are either the Heads of medical units. Notice that most Filipino Doctors own their own clinics AS well as do hospital rotations on the side. Business skills, my friend.

The reason why Filipinos are so successful in the United States is because of that reason. Savings. Hard work. That is why Filipinos are THE most successful ethnic groups in the United States.

When Americans think Filipino, they Think immediately of a 'Rich' Doctor, Nurse, Engineer, Physical Therapist or Teacher.

They Think immediately of Professional. Educated. Elite.

How did they get there? Savings.

:)
Im not talking for those people working abroad,what im talking are those people living in our country i dont think these rules will apply to them..their budget is not enough for the whole family when it comes to their daily necesities especially prices are rocketing day by day due to high fuel price,and what if you child who are in school budgeting for the parents is big headache..ive been also working in abroad for the past 20 years,im settled here in england,i dont have savings but property investment yes,retirement yes we have and life insurance...cheers

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Re: Why There Are Poor and Rich People in our World.
« Reply #71 on: June 03, 2008, 07:25:50 PM »
I just remember the good old adage, "Happiness is not having more, but wanting less."

One can never be objective about his level of economic comfort. I've known people who have hefty savings in the bank but live as though they are on their last cent. And I also know people who are on their last cent, but live as though they have bottomless pockets. I think neither one is really happy.



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Re: Why There Are Poor and Rich People in our World.
« Reply #72 on: June 03, 2008, 08:16:21 PM »
agree...

I just remember the good old adage, "Happiness is not having more, but wanting less."

One can never be objective about his level of economic comfort. I've known people who have hefty savings in the bank but live as though they are on their last cent. And I also know people who are on their last cent, but live as though they have bottomless pockets. I think neither one is really happy.



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Re: Why There Are Poor and Rich People in our World.
« Reply #73 on: June 03, 2008, 09:53:27 PM »
I just remember the good old adage, "Happiness is not having more, but wanting less."

One can never be objective about his level of economic comfort. I've known people who have hefty savings in the bank but live as though they are on their last cent. And I also know people who are on their last cent, but live as though they have bottomless pockets. I think neither one is really happy.


well said...really its a hard time for everyone..but keep the family together pray to god always..dont waste any food or money,,just purchase what you need and important.find extra income to help financially.. thru the hard times makes the family more stronger..

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Re: Why There Are Poor and Rich People in our World.
« Reply #74 on: June 04, 2008, 03:20:42 AM »
Unya kung pareha anang, nagtrabaho sa Mepza, nga molimpyo lang ug 3,000 pesos ang kinsena, nya mao ray saligan sa bayad sa boarding house, pagkaon ug ipadala pa sa guinikanan, itabang pa sa mga igsoon kay nag iskwela. Unsaon ba pagtigum nga naglisud naman gani ug bahin.

Siyempre, kinahanglan pud sa tawo nga maglingaw lingaw ug ginagmay, so iapil pa jud sa budget ang para lingaw lingaw, kay work and no pleasure makes a person crazy man hahaha
Boring bitaw sige work walay lingaw lingaw, makabuang jud.

Happy,

The trick to this is to somehow squeeze in save up even at least 200 pesos from your pay check. Though it may not seem alot at first, it goes a long way eventually. There is no excuse for anyone to be in a debilitating situation. Sometimes the individual has to prioritize some things and place others on the secondary list.

The point I'm trying to get across is the necessity in evading over-stretching one's self. You can't help everyone nor should you be expected to aid everyone. Whatever you can do with the funds you have, must do.

In the end, you need to think about yourself as well. And it is important to place and save a little for yourself.

What if something bad happens to you? Will anyone help you if you are the only one who is the working individual and everyone completely dependent on you? It is a situation no one should be placed in.

Savings is the key to prevent this circumstance from happening.

Saving for a rainy day is the wise thing to do. Even if it is 5% of your monthly income. In one year's time, it will show. Trust me.

Regards,

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Re: Why There Are Poor and Rich People in our World.
« Reply #75 on: June 04, 2008, 03:34:41 AM »
Im not talking for those people working abroad,what im talking are those people living in our country i dont think these rules will apply to them..their budget is not enough for the whole family when it comes to their daily necesities especially prices are rocketing day by day due to high fuel price,and what if you child who are in school budgeting for the parents is big headache..ive been also working in abroad for the past 20 years,im settled here in england,i dont have savings but property investment yes,retirement yes we have and life insurance...cheers

The same rules can apply to them. I do not believe that the destitution of the Filipino people in the Philippines is a constant rule. On the contrary, I believe that there are specific processes that can alleviate an individual and an entire family from economic paralysis.

Some instances of debt and dependence is due to spending beyond one's means. This manifests in the form of excessive children, excessive credit spending, and the incurring of 'utang'. I personally do not believe one should 'utang' for anything. Spend within your means. If you cannot afford something such as a car, a truck, a couch, dress etc without utang'ing then don't utang in the first place.

Sure its important to build credit, but good credit is better than bad credit.

Let me give you a specific case study. If you have a working class family living in the province, and have 4 children, and all children go to high school. It is perfectly possible to send the children to college to get a decent occupation. So long as the parents work appropriately. The cost of sending the children to school might be a burden, but that is no reason why the mother and father can't save at LEAST 5% of their monthly income. Say the father is a truck driver and earns 7000 pesos a month. The mother is a teacher and earns 12,000 pesos a month. If the father saves at least 300 pesos a month of his income and the mother saves 500 pesos a month. This totals up to a combined 800 pesos a month saved. Stashed away. In a year's time this is will equal to 9,600 pesos saved. This savings doesn't have to be touched. It should be already subconsciously mandated that this savings is 'untouchable'.

If cost of education and needs increase, then it should be the responsibility of the mother and father to maneuver around with their assigned income. Even if it means limiting the purchase of karni, maybe buying and cooking fish more often would be better. To save the food budget. Perhaps instead of buying rice and eating rice everyday, the family should eat rice 4 days of the week, and eat sweet potato and corn for 3 days of the week as the staple diet. Instead of buying expensive cell phones and texting constantly, perhaps the family members should refrain from texting unless it is for important reasons. This saves money and really builds up. Believe me.

Instead of showing off to buy clothes every week, perhaps you can save money and limit expensive habits.

Spend within your means and do not take up unecessary and expensive responsibilities.

Do what you can with the income you have. At the given time. If a friend asks for help, then help him with the extra income you have. You do not have to touch your savings to help him. The point of the savings is to keep it for yourself to be used for emergency situations that will affect your family. Or for retirement.

That is the key. Remember this saying:

"God Helps those who Help themselves."

Cheers,

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Re: Why There Are Poor and Rich People in our World.
« Reply #76 on: January 22, 2009, 06:59:28 PM »
poor people start in wanting to get rich when they are exposed to the lifestyle of the rich people raman..
because they would start to compare ..
murag ang mga tribe nga wala pa na discover ba
what you dont know wont hurt you bya jud..:)
as long as d pa ma expose they will be contented with the Functionalism Theory (as per gelyan)

whaat??? i can't believe i said this. lol

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Re: Why There Are Poor and Rich People in our World.
« Reply #77 on: January 22, 2009, 09:46:51 PM »
whaat??? i can't believe i said this. lol

smartly said man pod..kiams.

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Re: Why There Are Poor and Rich People in our World.
« Reply #78 on: January 22, 2009, 10:18:06 PM »
daghan hinungdan ngano naay pobre ug datu, depende na sa pagpaningkamot sa tawo naay uban ilang nadawat ang kayamanan gikan sa ilang mga ginikanan, ang uban ilang pinaningkamutan, naay uban ilang kinawat sa kaban nang bayan, ang uban pod sa ilang mga shady deals. ang kapobrehon magdepende pod na sa imong panglantaw unsa man kakulangon ba sa kwarta o kabtangan?
sa akong kabahin dili ang kaadunahan o kawad-on ang importante, para kanako kun ang tawo adunay pag-ila sa pagkakontento sa bisan unsa nga kahimtang sa iyang kinabuhi siya malipayon. basta kay wala koy tawo nga natumban!

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Re: Why There Are Poor and Rich People in our World.
« Reply #79 on: January 23, 2009, 01:57:33 AM »
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