Touching Story – Starfish

A very touching story to remind us that our simple actions can make a huge difference in other people’s lives.

The Secret to You

Law of attraction is forming your entire life experience and it is doing that through your thoughts. When you are visualizing, you are emitting a powerful frequency out into the Universe.

Start each magnificent day with this powerful visualization tool. The Secret to You was especially created to harness all of the power of The Secret to transform your life into joy.

To experience the maximum power from The Secret to You, read the words and feel them with all of your heart.

Failure: The Secret to Success

Meet the Robinsons

“Keep moving forward.”

The Peaceful Warrior

“There’s no higher purpose than service to others.”
“It’s the journey, and not the destination that counts.”

The History of Money

DISCLAIMER: By understanding history we can better prepare for and see a brighter future. If you are not into history, you might want to start reading now. This will determine your financial future.

Just as humans have evolved, money has evolved. “Money” was originally in the form of barter, such as chickens or milk, then shells and beads, then gold, silver, and copper coins. They were physical objects that were deemed to have tangible value, and thus were traded for other items of a similar value. Today, most money is paper money, an IOU (Usually an informal document acknowledging debt. The term is derived from the opening phrase “I owe unto” and/or the pronunciation of “I owe you”) from a government, also known as a fiat currency. Paper money is worthless in and of itself. It is simply a derivative of the value of something else. In the past, the U.S. dollar was a derivative of gold; now it is a derivative of debt, an IOU from taxpayers of a country.

Today, money is no longer a tangible object like chickens, gold or silver. Today, modern money is simply an idea backed by the faith and trust of a government. The more trustworthy the country, the more valuable the money, and vice versa. This evolution of money from a tangible object into an idea is one reason why the subject of money is so confusing. It is difficult to understand something we can no longer see, touch or feel.

A Few Important Dates in the History of Money

1903: Robert Kiyosaki believed the U.S. education system was taken over when the General Education Board, founded by John D. Rockefeller, decided what kids should learn. This put the influence of education in the hands of the ultra-rich, and the subject of money was not taught in school. Today, people go to school to learn to work for money, but they learn nothing about how to have money work for them.

Schools do a good job training people to be E’s (Employee) and S’s (Self-employed), but do almost nothing to train them to be B’s (Big Business Owner) or I’s (Investor). Even MBA students are trained to be highly paid E’s working for the businesses of the rich. Some of the most famous B’s are Bill Gates, founder of Microsoft; Michael Dell, founder of Dell Computers; Henry Ford, founder of Ford Motor Company; and Thomas Edison, founder of General Electric – all of whom never finished school.

1913: The Federal Reserve is formed (It is the central bank of a nation, just like our Banko Sentral ng Pilipinas and Bank of England for United Kingdom). The Federal Reserve is not American, not federal, has no reserves, and is not a bank. It is controlled by some of the richest and politically influential families in the world. It has the power to create money out of thin air.

Institutions like the Federal Reserve have been staunchly opposed by the designers of the US Constitution, and by presidents such as George Washington and Thomas Jefferson.

1929: The Great Depression. Following the crisis of the Great Depression, the U.S. government created many government agencies such as the Federal Deposit Insurance Corporation (FDIC), the Federal Housing Administration (FHA), and Social Security; and the government took more control over our financial lives via taxes. This led to an acceptance of increased government intervention via social programs and agencies. Many of these government programs and agencies, such as the FHA, Fannie Mae, and Freddie Mac, are at the eye of today’s subprime crisis. Today, unfunded government liabilities such as Social Security and Medicare are estimated to be $50 to $60trillion time bombs that will eventually blow up and dwarf the current US subprime crisis. In other words, U.S. government efforts to solve the Great Depression will probably cause a bigger depression in the future.

1944: The Bretton Woods Agreement was made. This international currency agreement created the World Bank and the International Monetary Fund (IMF). The agreement replicated the Federal Reserve System globally (thus we have Bangko Sentral ng Pilipinas) and, in effect, installed the U.S. dollar as the reserve currency of the world. Basically, while the world was involved in a world war, the world’s bankers were hard at work changing the world. This meant that all currencies worldwide were now essentially backed by the U.S. dollar, which was pegged to gold. As long as the U.S. dollar was backed by gold, the world economy would be stable.

1971: President Nixon, without permission from Congress, took the U.S. dollar off the gold standard. When this happened, the U.S. dollar became a derivative of debt- not gold. After 1971, the U.S. economy could only increase by increasing debt, and that’s why the bailouts started. In the 1980s, the bailouts were in the millions; in the 1990s, they were in the billions; and today they are in the trillions and growing. This change in the rules of money, one of the biggest financial events in world history, allowed the United States to print money at will by creating more and more debt, known as U.S. bonds. Never in the history of the world had the entire world’s money been backed by one nation’s debt, an IOU from U.S. taxpayers.

In, 1971, the U.S. dollar stopped being money and became a currency. The word currency comes from the word current, like an electrical current or an ocean current. In other words, a currency must keep moving or it loses value. To retain value, a monetary currency must move from one asset to another. After 1971, people who parked their money in a savings bank or in the stock market lost money because their currency stopped moving. Savers became losers and debtors became winners as the U.S. government printed more and more money, increasing debt and inflation.

After 1971, the U.S. economy expanded by creating more debt. In theory, if everyone paid off his or her debt, modern money would disappear. In 2007, when U.S. subprime borrowers couldn’t pay their mortgages any longer, the expansion of debt stopped and the debt market collapsed, which led to our massive financial crisis today.

The United States has financed its excessive spending by selling its debt to Europe, Japan, and China. If these countries lose confidence in the U.S. government and stop buying U.S. debt, another financial crisis will occur. If U.S. citizens stop buying homes and stop using their credit cards, this crisis will last longer.


Financial Education is important because we need to learn there is good debt and bad debt. Bad debt makes us poorer. Good debt makes us richer. Since modern money is debt, a strong financial education would teach people to use debt to get richer rather than become poorer.

1974: The U.S. Congress passed the Employee Retirement Income Security Act (ERISA), which is now known in the United States as 401(k). Prior to 1974, most employees had what is known as a defined benefit (DB) pension plan. A company’s DB pension plan provided employees a paycheck for life. After 1974, employees were moved into defined contribution (DC) pension plans. This meant they had to save money for their retirement. The amount an employee received at retirement depended upon how much was contributed to his or her pension. If the pension ran out of money or was wiped out due to a stock crash, the retiree was out of luck and on his own.

This change from DB to DC pension plans forced millions of workers into the uncertainty of the stock market. The problem is that most employees lacked, and still do lack, the financial education needed to invest their money for retirement wisely.

Today, millions of workers throughout the world are faced with insufficient funds to retire on. Without a financial education, millions go back to the same institutions – the savings banks and stock market, the very institutions that caused much of today’s financial crisis – and attempt to save enough money to enjoy a secure retirement. These people are most affected and worried by our financial crises.

Now that we’ve reviewed a little bit of the history of modern money, you may begin to appreciate why a Financial Education is important. It really pays to know history.

Credits to The Conspiracy of the Rich by Robert Kiyosaki.

The Secret

The Secret: 1st 20 Minutes

Check out also the following:

• The Secret Daily Teachings
• The Secret (Extended Edition)
• The Secret Gratitude Book
• The Secret [Unabridged CD] (Audio Book)
• The Secret to Teen Power
• El Secreto (Spanish Edition)
• The Secret Diary: A personal Workbook for Achieving Health, Wealth, Love…

WHAT IS THE NAME OF THE GAME THE RICH PLAY?

Most of us have heard of what is commonly referred to as the 80-20 rule. The principle states that, for many events, about 80 percent of the effects come from 20 percent of the causes. It is also known as the Pareto principle, the rule of the vital few. It is named after an Italian economist, Vilfredo Pareto, who noticed that 80 percent of the land in Italy was owned by 20 percent of the people – vital few. In business, a good rule of thumb is that 80 percent of your business comes from 20 percent of your customers – so take good care of them.

Robert Kiyosaki, author of Rich Dad Poor Dad, believed that 90 percent of all money is earned by 10 percent of the people. He called it the 90-10 rule of money. For example, if you look at the game of tennis, I would say that 10 percent of the players earn 90 percent of the money. In the Philippines, approximately 90 percent of the wealth is owned by 10 percent of the people.

Question: What is the name of the game of the 10 percent earning 90 percent of the money?

Answer: Cash Flow

To better understand the game of cash flow, the following are examples of how cash flow game is played in real life.

Many students, who graduate, enter the job market, find a good job, and watch their cash flow to the government via income taxes. The more they earn, the higher the percentage they pay in taxes. To save money, they eat at Jollibee or McDonalds, and cash flow to Jollibee or McDonald. They deposit their paycheck in their bank, and cash flows to the bank in the form of fees each time they use an ATM to get their money. They buy a car, and cash flows to the car company, finance company, gas industry, auto insurance, and, of course, to the government for an auto license. They buy a house, and cash flows out of their pockets to pay for the mortgage, insurance, cable TV, water, electricity, and government for property taxes.

Every month cash flows to the stock market to invest in mutual funds for retirement plans, and cash flows from mutual funds to fund managers in the form of commissions and fees. Later in life, when people are old and feeble, cash flows to hospitals for medical expenses and nursing home. And when they die, cash flows to pay taxes on what they left behind, if ever there’s any. For most people, their entire lives are spent trying to keep up with their outgoing cash flow.

The reason 90 percent of people struggle financially is because cash is always flowing out to someone or something else – flowing to the 10 percent who know the name of the game. The harder the 90 percent work and the more money they earn, the more cash flows out to the 10 percent.

This is the story of most Filipinos. Most work very hard. Some even went back to school for higher degrees and specialized training. Some made more money and saved some of it, but most never got control of their outgoing cash flow. When some lost their job and was forced to stop working, no cash flowed in – yet they still had to honor their outgoing cash flow obligations. Clearly, some are in real financial trouble.

Question: What can I do?

Answer: Learn how to play the game of cash flow.

Question: How?

Answer: Educate yourself financially.

Credits to The Conspiracy of the Rich by Robert Kiyosaki.

Sunday School’s Financial Advice

Words form our attitudes, and attitudes form our reality.

Life is an attitude. If you want to change your life, first change your words, which will turn change your attitude. The following are some common attitudes about money.

“I’ll never be rich” are the words of a person with a poor person’s attitude. The chances are he will struggle financially all his life. When a person says, “I’m not interested in money,” he actually drives money away from him. When we hear, “It takes money to make money,” we reply, “No, money begins with words, and words are free.” When someone says, “Investing is risky,” we reply, “Investing is not risky. Lack of financial education and listening to poor financial advice is risky.” Our words reveal a different perspective and a different attitude toward money and investing than someone with a poor person’s attitude.

Since money is knowledge, it follows that knowledge begins with words. Words are the fuel for our brains, and words shape our reality. If you use the wrong words, poor words, you will have poor thoughts and a poor life. Using poor words are the same as bad gasoline in a great car. The following are examples of how words affect us:

Words of a Poor Person

1. “I’ll never get rich.”

2. “I’m not interested in money.”

3. “The government should take care of people.”

4. “Money is the root of all evil.”

5. “Wala akong pera, I can’t afford it.”

Words of a Middle-Class Person

1. “I’ve got a high-paying, secure job.”

2. “My home is my biggest investment.”

3. “I’m investing in a well-diversified portfolio of mutual funds.”

4. “I know that.”

5. “I’m climbing the corporate ladder.”

Words of a Rich Person

1. “How can I afford it?”

2. “I use leverage.”

3. “I’m looking for good employees to work for me.”

4. “I’m looking for a cash-flowing hundred unit apartment houses to buy.”

5. “My exit strategy is to take my company public via IPO.”

Can you tell the difference between these words? What kind of reality does each set of words reveal? Repeating the lesson from Sunday school, “And the words became flesh.” We do become our words.

Question: What words will I use?

Answer: It depends on the financial future you want in your life.

“Choose your words wisely for it may determine your financial future.”

Credits to the Conspiracy of the Rich by Robert Kiyosaki.

Employment vs. Entrepreneurship

The Parable of Pipeline- Pablo vs Bruno

The video is the story of Pablo and Bruno in the Parable of the Pipeline: