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slackware

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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
"All that is needed for evil to succeed is, that decent human beings doing nothing". (Edmund Burke)

slackware

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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 »
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 »
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.

Lorenzo

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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 »

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,

Lorenzo

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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 »

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.

:)

Lorenzo

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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 »

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,

Happy

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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.

Happy

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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 »

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 »
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...


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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 »
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..

Lorenzo

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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 »

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,

Lorenzo

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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 »

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,

kiamoy

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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 »

whaat??? i can't believe i said this. lol
heeey? what's the point of this?


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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 »

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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grazie7y

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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 »
Tita Lee, amen to that!




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