Tuesday, March 29, 2016

How to start a virtual career

1. Attend a fair. I came upon virtual careers by accident. In September 2015, I went to the Manila International Book Fair at the SMX Convention Center to read peacefully, but I found a noisy and busy place. I tried to browse the bookshelves and to find a quiet place to read. Instead I came upon a stall selling Kerygma books, so I picked up a copy of Didache, a religious devotional book, for my family.

At the same stall, I saw a person signing books, so I got a copy of the book, Virtual Careers by Mr. Jomar Hilario. I gave him a copy for him to sign, and he asked me if I work and enjoy my job. I said yes to both because I am a lawyer and I enjoy my work.



2. Read a book. Mr. Jomar told me that the book was for people who want to have their own careers and would like to work at home. I did not know if that applies to me, but since I like everything that is online, I bought the book because I believed that it will be useful someday. Later, I found empty chairs on the second floor of the convention center and sat down. In the next two hours, I finished reading the book.

I liked the book because it was a self-help book or a how-to manual on how to make money online.  The book had many stories of people starting in their virtual careers and many lists on how to solve your problems in getting started online. When I went home in the evening, I signed up for Mr. Jomar's website and got updates to his webinars and courses.



3. Join a course. In December 2016, I got an email from Mr. Jomar inviting me to join the Instant Virtual Skills (IVS) course. This course will help people learn skills so that they can earn $25 or more per hour. The cost for the course was P10,750.00 but this price was only available until December 16, 2016. The course will include 7 monthly meetings and 7 monthly webinars. Part of the course is a certification exam that we can take twice, which can cost P5,000.oo by itself.

I did a cost-benefit analysis for the course. While the cost was high for me, I just got my 13th month pay, so I can afford to pay the total amount immediately. I computed that if I earn $25 or more per hour, I only need to work at least 10 hours to break even the cost of the course. So I paid the total amount in cash by bank deposit on the last day of the deadline, and I committed myself to becoming a virtual professional.



4. Attend meetings. From January to March, I attended the meetings for IVS and watched the webinars. I joined the Facebook group and did some of the assignments, but I have not yet completed all my assignments. My focus is to practice writing for a blog everyday and to write stories about myself that can help people. So my blog is still a work in progress. I only write on this blog at home after my work hours because I still work.



5. Write a blog. I put up this blog as an assignemnt in the IVS course. My niche isto help fellow Filipinos about topics that I enjoy reading. Since I like self-help,I blog about the market, wellness, Filipinos, and spirit. From now on until the end of July, I will be blogging about work, business, and law for Filipino virtual professionals on Mondays. I hope to see the Filipinos succeed and unite, and may this blog be a small help on that path of development for the good of the Philippines.

Monday, March 28, 2016

How to have new life

Happy Easter! Today we celebrate the Good News of Christianity: Jesus Christ is alive. After he suffered and died for our sins, he rose from death and ascended into heaven. He will come again to judge the living and the dead.

 

Yesterday at Easter Vigil, our parish priest told us that the women were able to believe immediately and act fast about the his resurrection because they loved Jesus so much. Women then were second-class citizens in Jewish society, but they overcame the obstacles in their status. They brought spices so that the body of Jesus would be properly buried. Instead of preparing his body for burial, they saw an empty tomb  with angels telling them that Jesus is alive. They were the first to hear the Good News because they loved Jesus and wanted to do more for him.

 

Today during Easter Sunday, the priest said that there are three disciples in the Gospel today, namely, Mary of Magdala, Peter the apostle, and the disciple whom Jesus loved. Mary did not believe that Jesus has risen. Peter doubted for a time until he saw Jesus. Among the three, it was the disciple that Jesus loved that saw and believed his resurrection immediately. He saw the empty tomb, and immediately he believed. Why did the disciple whom Jesus loved immediately believe? Because he loved Jesus so much. His belief and faith came from his love of Jesus.

 

 

 

Do we love Jesus? Do we believe in God? Do we hope for the best? May our faith and love be like the women disciples who visited the empty tomb and like the disciple whom Jesus loved. We love beyond what is asked of us, and we believe immediately about the grace of God.

Sunday, March 27, 2016

How to learn more about your personality

Search "personality type" in your search engine.
The first results would show the Myers Briggs personality types.
Another result would be the DISC personality test.

Saturday, March 26, 2016

How to enjoy Holy Week in the Philippines

1. Leave early. If you have to go to another place for Holy Week, be sure to leave early. If you can go on Monday or Tuesday, go ahead on those days so that you can avoid the traffic. If leaving on Wednesday or Thursday is inevitable, leave very early in the morning, maybe at 4 a.m.

Leaving early still does not guarantee that you would escape traffic. My cousin's family left their house in Metro Manila at 4 a.m. but they just entered the North Luzon Expressway at 8 a.m. So be sure to bring enough food and drinks in case of a traffic jam.

2. Stay and enjoy. If you don't have to go to your hometown or province, you can just stay wherevever you are. Think of it as your very own staycation. Visit nearby churches, check in a local hotel, celebrate in a resort close to you. Search on the internet or ask your friend and neighbors to find attractions near your home.

3. Keep the faith. If you are religiously inclined, the Holy Week holiday will give you much time to attend services and visit churches. For Catholics, Holy Thursday and Holy Saturday will tend to have masses in the evenings. For Good Friday, parishes may offer stations of the cross in the morning, while venerations of the cross and processions will likely happen in the afternoon.

On Easter Sunday, Filipinos peculiarly celebrate the  resurrection of Jesus Christ with the salubong. This happens very early in the morning while it is still dark. The men go with the statue of the risen Christ, the women follow the statue of Mother Mary. They go their separate ways at first, but Jesus Christ and Mother Mary eventually return and meet in front of the church. After they meet, children who act as angels sing the Regina Caeli, or Queen of Heaven.

4. Visit your hometown. Holy Thursday and Good Friday are regular holidays, so Holy Week instantly gives a four day weekend. So you can take the time to visit your family and friends in the province. Take advantage of the clean air and relaxed lifestyle in pyour hometown or province. You can eat more fruits and vegetables that are hand picked. If your province has a coast, you can enjoy a lot of fish and seafood. You might even enjoy your stay so much that you eventually think of retiring there.

5. Fly away for a vacation. A four day weekend will give you more time to have a pleasure trip. If you want to go to the beach, you can check out the more than 7,000 islands in the Philippines. Boracay and Palawan are famous for their beaches, but more islands are available for you to visit, such as Batanes, Apo Island, and Suquijor.

If you want a cooler vacation, try going to the mountains of Cordillera or Sierra Madre with Baguio, Sagada, and Tagaytay as popular vacation spots. For urbanites, try visiting cities and soaking up their culture and history. Manila, Cebu, and Davao are all great centers for history and culture. Have a blessed and enjoyable Holy Week holiday!

Tuesday, March 22, 2016

How to save money fast


  1. After you earn money, deposit part of your income to another interest-earning account.

  2. If you get a cash gift or a loan repayment, put half of the money into an envelope so you can save and invest it for later.

  3. If someone asks you to go out but you are too busy, take a rain check and put the money that you could have used going out into your savings.

  4. Ask your family about their dreams, and figure out their timelines and costs. Then save enough every month to reach them.

  5. Imagine that you already have all the money in the world. What do you still want to do? Work out the costs, and invest to make it happen.

Saturday, March 19, 2016

How to go around Baguio for one day or less

Yesterday I went to Baguio City for a hearing in court at 9 in the morning. Because I have work in Metro Manila on Wednesday and Friday, I decided to ride the bus on Wednesday night to Baguio and go back home on Thursday evening.

1. Sleep on the bus. On Wednesday night, I rode a bus at Victory Liner terminal at Pasay City at 11 p.m. While there are stopovers in Tarlac and Pangasinan, I slept on the bus most of the way there. We arrived at Baguio around 5 a.m. on Thursday morning. I stayed at the bus terminal for an hour, freshening up and reviewing my case. At 5:45 a.m. I hailed a cab.


2. Start on high ground. My first stop for the day is Baguio Cathedral. The trip took less than 10 minutes and less than P50 in fare. When I went inside, there were many people in the church. The first mass at the cathedral is set at 6 a.m. and the language is in English.

After the mass, you can ask the priest for a blessing. You can also pray and touch the Black Nazarene, the crucified Jesus Christ, and the Mother of Perpetual Help near the left side of the church. The Baguio Cathedral is located at a high point, so you can see good views of the city from here.

3. Walk around the city. I went from the entrance of Baguio Cathedral down to Session Road. I walked briskly along the right side of Session Road. I passed by several hotels and restaurants that were already open after 6 a.m. I was tempted to eat at one of them, but I decided to go near the court first before I wat breakfast.

I came upon the bottom of Session Road and crossed the pedestrian bridges near Baguio City Market. The bridges have instructions to keep right. At the entrance of the market, many sellers were getting their newspapers straight from Manila. I crossed the bridge to get near Baguio City Plaza, which had traffic already.

4. Eat near your event. I went up the plaza near Baguio City Hall. I passed by Cafe by the Ruins, but it was not yet open. I thought of eating at Mcdonalds, but it was full so I decided to eat at Jollibee along Legarda Road. The fast food had plenty of space, so I ate breakfast there. After I ate and reviewed my case, I just worked to the court.

5. Buy before the afternoon rush.

6. Leave but resolve to return.

Wednesday, March 16, 2016

How to create a poster from Jomar Hilario's Success Lessons

Make a poster using Canva from the webinar of Jomar Hilario.

[embed]http://www.slideshare.net/ejmsadiarin/how-to-create-posters-from-jomar-hilarios-success-lessons[/embed]

 

 

 

Tuesday, March 15, 2016

How to have a millionaire mind

Last Saturday, I heard Jomar Hilario and my classmates, Cheryl, Badette, and Shiela, talk about the book Secrets of the Millionaire Mind and the seminar "Millionaire Mind Intensive" both made by T. Harv Eker. So I searched the book on the internet and downloaded a copy. Over the weekend, I read the entire book.

 

While many of the concepts in the book are already familiar to me, I still learned a lot of new things. Let me share what I discovered from Secrets of the Millionaire Mind:

 

The first part of the book shows how people can change. We have to understand our programming and our money blueprint. First, we look back to our past. We remember what people said to us about money, what our parents did regarding money, and what is our experience on money when we were young.

 

Next, we can understand how the programming affected our financial life now. Then, we dissociate ourselves from the past and realize that our past self is different from our present self. Finally, we declare our commitment to lead a better financial life.

 

The second part of the book contains the wealth files, or the secret thoughts of rich people. Again, many of the concepts are familiar to me, so I will share only those concepts where I failed to think as a millionaire:

 

2. Rich people play the money game to win. Poor people play the money game to not lose.

8. Rich people are willing to promote themselves and their value.

10. Rich people are excellent receivers.

 

While making this post, I also listened to the webinar "Success Lessons From Millionaire Mind Intensive" by Jomar Hilario. I have to sleep now, but I will write more about millionaire minds.

Monday, March 14, 2016

How to be merciful

In today's gospel, the people bring to Jesus a woman caught committing adultery. They want to stone her to death and ask Jesus about her punishment.

 

Jesus is caught in a hard place. If Jesus stops them from stoning her, he goes against the law of Moses that calls them to put to death anyone committing adultery. If he allows them to stone her, he disobeys Roman law that prohibits Jews from imposing capital punishment.

 

Instead of getting caught in their trap, Jesus kneels down and writes something on the ground. We do not know what Jesus wrote, but the people who brought the woman slowly leave one by one.

 

When Jesus finishes writing, he stands up and asks the woman if anyone condemns her. The woman says none. So Jesus tells her that he does not condemn, but she should go and avoid this sin.

 

When I heard mass for today, the priest in his homily told us that Jesus gave the woman her dignity by being merciful. Instead of condemning and stoning her, Jesus gives her a chance to change and amend her life. But Jesus does not condone her sin because he tells her to avoid it.



How about us? Maybe we are quick to condemn people who seem guilty. Maybe instead of forgiving those who wronged us, we seek revenge. From the gospel today, we can follow Jesus and stop condemning those who fail. Instead of condemning them, we can help them on how to avoidsin.



Are we merciful to people? Yes, we show mercy when we give people better treatment or a second chance than what we think they deserve. Why should we be merciful? Because God is merciful to us, and as a sign of our love to God and our neighbor, we bestow the same mercy to the people we encounter.



Do we treat people with dignity? Yes, everyone has honor and dignity, so we treat people with the same respect that we give ourselves. How do we treat people with dignity? By not shaming them. In the gospel today, the people treated the woman shamefully by taking her to Jesus and wanting to stone her to death. Meanwhile, Jesus gave dignity to the woman and the people by not condemning them but still making them realize their wrongful actions.

Sunday, March 13, 2016

How to search for a book

Today I heard about The Millionaire Mind by T. Harv Eker. So I searched Google using the following terms: "secrets of the millionaire mind filetype:pdf". Filetype is a search term that we can use to find a specific kind of file.

  
I also searched for The Mystery of Capital by Hernando De Soto, and I used just the term: "mystery of capital pdf" and got the following results:

  
I also searched for the Freedom Journal by John Lee Dumas using the terms "freedom journal filetype:pdf" and here's what I got:
 

Saturday, March 12, 2016

How to run for a national position

1. Be born in a political family. Many of our elected officials have relatives in public office. In fact, when elected government officials reach their consecutive term limits, they let a family member or relative run in the meantime, while they run for another position.

The Constitution mandates the Congress and the President to pass an anti-dynasty law, but it has never happened. Of course, many of our leaders are part of political families, so they will not likely pass a law against their own interest. It is up to us as voters to choose candidates who are better for us. We can use the people's initiative, and ask party list representatives to help us to pass an anti-dynasty law.

2. Serve first in public office. If you want to be popular, serve in a national position, whether legislative or executive. The five presidential candidates include a vice president, two senators, a city mayor, and a department secretary. If you show up more often in television, more people can watch you.

3. Build your campaign funds. Invest money. Get business support before you even campaign.

4. Get support from voters. You must visit every last town and barangay.

5. Win your disqualification cases. Grace Poe won the disqualification case in the Spreme Court.

Friday, March 11, 2016

How to make a landing page

A landing page is a web page where you sell products and services. For this tutorial, we made a simple landing page using Wordpress and ThriveThemes for the Virtual Careers book by Jomar Hilario.

  1. Log in Wordpress.

  2. Create a new page.

  3. Choose a landing page.

  4. Write about your product.

  5. Upload your product image.

  6. Preview your web page.

  7. Publish your landing page.


[embed]http://www.slideshare.net/ejmsadiarin/how-to-make-a-landing-page[/embed]

Thursday, March 10, 2016

How to track your habits

I track 12 habits daily. Yes, I know that people say that you should only build one habit at a time. But I want to build good habits faster so I am tracking 12 of them this March.



What are the habits that you can track? You can track any habit. Here is my list of habits in the morning:
1. Silently pray.

2. Affirm and read the Scroll.

3. Visualize.

4. Exercise.

5. Read the Bible.

6. Scribe journal.

As you may have noticed, the initials of the six habits spell out SAVERS. These morning habits come from the book, The Miracle Morning by Hal Elrod. In this book, Elrod tells the story of how he improved his life by waking up earlier and building good habits in the morning. So now I use the habits of The Miracle Morning for personal development.

You might also wonder about the Scroll. The Scroll refers to the ten scrolls in the book, The Greatest Salesman in the World by Og Mandino. Each Scroll in the book seeks to develop a new habit. The first Scroll, which I am now reading this March, contains the following words of wisdom: "I will form good habits and become their slave." So this is fitting to my quest to develop good habits.

During the afternoon and in the evening, I track the following habits:
1. Read the Scroll after lunch.

2. Unclutter.

3. Brush, wash, change.

4. Encode blog post.

5. Reflect and write journal.

6. Read the Scroll before sleep.

I made my own acronym: RUB ERR. Of these habits, the one that I forget the most is reading the Scroll after lunch. While I have a reminder on my desk to read the Scroll, but I still forget to do it. Maybe I should put the reminder on my computer.

For my evening habits, I intended to do them according to their listed order. But I actually do the other evening habits only after I have already encoded and published a blog post. Encoding a blog post is the keynote habit at night, from which all other habits are formed. So I just do what works for me.



How do you track habits? You can use whatever method works for you. You can use pen and paper, spreadsheet programs, mobile apps, etc.

Initially I used mobile apps like Balanced and Productive. But the free versions only tracked down five habits at most. So now I track my habits in a paper journal. At the start of the week, I list down the 12 habits and put seven columns beside them. On that day, I just check the box if I did the habit, and encircle the box if I did not.



What can you do if you fail to do a habit? If you fail, just note why you were unable to do the habit, and resolve it. For example, I often forget to read the Scroll. So now when I remember to read the Scroll, I just get my book or my iPad that has the Scroll, so I can read it.

But if you repeatedly fail to do a habit, you might want to reconsider if you really want to do that habit. During the last week of February, I included two habits about sleep. First, wake up on or before 6 a.m. Second, sleep by midnight. I failed to do any of those two habits, so I removed them from my habit list.




The test for a strong habit is if you can do it automatically. If you don't need to make a decision on whether to do something, it may already be a habit. The habits that I am doing are not yet automatic, so I have to do them everyday until they become second nature.

Wednesday, March 09, 2016

How to make a Paypal header

Canva

  1. Sign up or log in Canva.

  2. Create a banner with 750 x 90 pixels.

  3. Create a heading with your name.

  4. Create a subheading with your tagline.


PowerPoint

  1. In PowerPoint, create your logo.

  2. Create circles for a yin and yang logo.

  3. Insert symbols for a star and a circle.

  4. Insert text for your name or positioning

  5. Save your logo as a picture.

  6. Create a "money back guarantee" sign.

  7. Save your sign as a picture.


Paypal Header

  1. Upload your logo and sign to Canva.

  2. Upload your picture to Canva.

  3. Insert your pictures to the banner.

  4. Save your banner as .jpg or .png.

  5. In Wordpress, upload your banner.

  6. Take note of banner URL.


Paypal screenshot

  1. Sign up or log in Paypal.

  2. Upgrade to a Paypal business account.

  3. Click Profile and My selling tools.

  4. Click Update beside Custom payment pages.

  5. Under Logo Image URL, insert banner URL.

  6. Preview Enhanced Checkout or Classic Checkout.

  7. Take a screenshot, and smile!


Paypal Header screenshot

 

[embed]http://www.slideshare.net/ejmsadiarin/how-to-make-a-paypal-header[/embed]

Tuesday, March 08, 2016

How to build capital

Last Saturday, I attended a seminar where the speaker talked about Hernando De Soto. I later found that De Soto wrote a book, The Mystery of Capital, which I am reading now.

 

The main idea of the book is that people are poor in developing states not because they are lazy but because the legal property systems are incomplete and inaccessible to them. For example, it is hard to buy land or get a loan because registering them is too costly and information is limited.

 

So the mystery of capital must be explained so that everyone can have the chance to build wealth from the capital that they already own. I haven't finished the book yet, but here's what I think about how we can build wealth.

 

1. Labor. First, we must work. If we don't work, we can't earn money. It's tht simple. If you are a student, your job is to study. If you are job hunting, your job is to find work. If you are an employee, your job is to solve the problems of your boss, company, or organization. If you are a business person, your job is to solve people's problems for money. As you become more productive or more responsible, you can get more in pay. Salary is related to the level of responsibility.

 

2. Credit. After we work, we earn money. We can spend the money or save it. If we save it in a bank, we earn some interest, maybe less than 1%. If we invest it, we can lose our money but we can earn much more, maybe from 5% to 20%. The opposite happens when we seek a loan. Instead of earning from interest, we even pay interest to the lender. Sometimes, we need the loan to finance a business. But the rule of thumb is this: Only make a loan for something that would earn money.

 

3. Property. If you have labor and money, you can buy property. You can buy property for your business (ordinary assets) or for your family or personal use (capital assets). If you own real estate, you can sell it if you need money, or you can lease it out so you earn money. If you have personal property, like a car or jewelry, you can pledge or mortgage it if you need money for yourself or for your business.

 

4. Corporation. If you have a business, you can build a corporation to limit your liability in your business. Even if you do not have a business, you can still create a corporation to hold your property. Incorporation is a way to save on taxes and ensure that a business survives long after the founder has moved on to other things.

Monday, March 07, 2016

How to forgive

The Gospel for today is the parable of the prodigal son. We all know the story. A son leaves his family. When he comes to his senses, he returns home. His family forgives and welcomes him home. All is well.
But not everyone is able to forgive easily. For example, the older son in the parable wonders why the father is so generous to his son who asked for his inheritance and spent his wealth on prostitutes. But the father explains that his son was once dead and he is found alive.
What makes the father able to forgive so much? He loves his son more. He looks for him everyday when he fails to return home. He celebrates his return with a feast, including a fattened calf. He tells his older son to rejoice with him on his brother's return.

The father loves his child so much that he sacrifices so much. He gives his son his share of the inheritance so that his son can be happy. I do not have a child, but I would imagine that a parent would do anything so that his child would be happy. They would move heaven and hell to have their child return home or be back from the dead.

How can I forgive? We can think of the person that we will forgive as your own child. We will do anything to make our child happy and have a better life. Why can we not do the same on a smaller scale for other people? We can forgive people if we love them more than they hurt us.

If we cannot forgive, ask yourself why? Forgiveness is not something we just do for other people. We forgive because we seek peace and healing from the sins of others. We will worry less and hold less grudges if we forgive people for thir wrongs. Just like the father who forgave his son, we can also learn to forgive. 

Sunday, March 06, 2016

How to search with Google

Hi! I like to use the internet because I like to know more about everything.
When I do not know anything about a topic, I just search for it in Google. If I want to know more about a person, I type his or her name in the search box and press return.

Saturday, March 05, 2016

How to speak Filipino in court

Today I went to court to present two witnesses. One of the witness told me earlier if I can ask questions to him in Filipino, and I said yes.
When I presented the witness in court, I asked the Judge if I can speak in Filipino because while the witness is conversant in English, he is more comfortable speaking in Filipino. The Judge told me that I don't need to seek permission because the Judicial Affidavit Rule allows witnesses to make their testimony in English or Filipino.

Kaya nagsalita na ako sa Tagalog, "Ginoong testigo, naaalala ninyo bang gumawa kayo ng Judicial Affidavit para sa kasong ito?" (So I spoke in Filipino, "Mr. Witness, do you recall making a Judicial Affidavit for this case?") 
But Judge told me to stop because it would be difficult for the court stenographer to record in Filipino. Instead, he told me to ask questions in English while the clerk of court translated to Filipino.
That's what we did. I asked questions in English; the clerk of court translated to Filipino; and the witness answered either in English or Filipino.
The lesson for me is to ask for a translator in court. It was funny that we still use English in court, when most people can understand Filipino. But that's the way of the world.

Thursday, March 03, 2016

How to build better habits

I just read the book Better than Before by Gretchen Rubin. Here are some ways from the book that you can use to build better habits.


1. Know yourself. If you know what things motivate you to change, you can build better habits. She puts people into four categories in how they meet inner and outer expectations.

If you can easily meet the goals that you set and those set by other people, you’re an Upholder. You can build habits and finish goals whether you set it yourself or others make it.

If it’s easier for you to meet the expectations of other people than your own, you’re an Obliger. For example, you can finish the demands of your boss and the wants of your family, but you struggle meeting your new year’s resolutions.

If you meet your inner expectations better than the expecations of other people, you might be a Questioner. This person asks about whether a goal is important. They usually ask why should we do this, but if they decide that a habit is vital, they will readily do it.

If you don’t meet your own goals and the expectations of people, you may be a rebel. For a rebel, identity is important.


2. Set yourself up for success. Rubin enumerates four basic habits that are the foundation for good living and for all other habits: eating, sleeping,  exercising, and uncluttering. We all know that if we eat, sleep, and exercise well, we will be healthy.

So the surprise habit is uncluttering. For her, outer order brings inner calm. If we see that our room or environment is tidy and clean, our mind can focus on what is important.

To set up your habits for success, you can monitor your habits in a way that can be measured. So you can write down what you ate and how many servings. Note down how many hours of sleep and how many exercise you get. If you can measure it, you can study it.

You can also schedule your habits. If you have a set time when you will do a habit, you are likely to repeat it and be reminded about it.

For Obligers like me, it is essential to set up an external accountability system for your habits. If you have family or friends who can make sure that you do your habits, that can help you succeed.


3. Know why you seek change. If you have the motivation, you can do most of anything. Are you changing to please another person. Is the change for your family, for your work, or for yourself? Have an unstoppable reason. This can be a person for whom you want to change your life. Much success!

How to build better habits

I just read the book Better than Before by Gretchen Rubin. Here are some ways from the book that you can use to build better habits.



1. Know yourself. If you know what things motivate you to change, you can build better habits. She puts people into four categories in how they meet inner and outer expectations.

If you can easily meet the goals that you set and those set by other people, you're an Upholder. You can build habits and finish goals whether you set it yourself or others make it.

If it's easier for you to meet the expectations of other people than your own, you're an Obliger. For example, you can finish the demands of your boss and the wants of your family, but you struggle meeting your new year's resolutions.
If you meet your inner expectations better than the expecations of other people, you might be a Questioner. This person asks about whether a goal is important. They usually ask why should we do this, but if they decide that a habit is vital, they will readily do it.
If you don't meet your own goals and the expectations of people, you may be a rebel. For a rebel, identity is important.



2. Set yourself up for success. Rubin enumerates four basic habits that are the foundation for good living and for all other habits: eating, sleeping,  exercising, and uncluttering. We all know that if we eat, sleep, and exercise well, we will be healthy.
So the surprise habit is uncluttering. For her, outer order brings inner calm. If we see that our room or environment is tidy and clean, our mind can focus on what is important.
To set up your habits for success, you can monitor your habits in a way that can be measured. So you can write down what you ate and how many servings. Note down how many hours of sleep and how many exercise you get. If you can measure it, you can study it.
You can also schedule your habits. If you have a set time when you will do a habit, you are likely to repeat it and be reminded about it. 
For Obligers like me, it is essential to set up an external accountability system for your habits. If you have family or friends who can make sure that you do your habits, that can help you succeed.



3. Know why you seek change. If you have the motivation, you can do most of anything. Are you changing to please another person. Is the change for your family, for your work, or for yourself? Have an unstoppable reason. This can be a person for whom you want to change your life. Much success!

Tuesday, March 01, 2016

How to reduce your taxes

1. Own your business.
It's more efficient for your taxes if own your business than if you work for an employer. If you have a business, you pay income tax on your profits or after you deduct your costs from your revenues. If you are an employee, your employer witholds your income tax based from your salary or wage after deducting a fixed amount of costs and benefits. Overall, it's more tax-efficient to be an employer than to be an employee, but being an employer involves more risk.



2. Invest in tax-efficient sources. 
If you have enough compensation income to support yourself and your family, you may want to invest in income streams with smaller tax rates. Interest income in banks are taxed only at 20% income tax. Capital gains tax of real property that are capital assets, or assets that are not ordinarily used in business, is 6%.
Buying shares of stock in listed corporations has an income tax of 1/2 of 1% of the net profits. For shares that are not listed in the stock exchange, the income tax is 5% for transactions of up to P100,000 and 10% for any amount in excess of P100,000.




3. Give to or build an accredited charitable organization.
If you earn much, the government will still tax you a lot even if you own your own business or invest in tax-efficient sources. One way to reduce your taxes and increase your tax credit is to give to an accredited non-government organization. If your business can support a foundation, you can consider building one, especially for education and health care. This way, you not only help people improve their lives but you also get a tax credit and reduce your taxes.