tag:blogger.com,1999:blog-35341288062037601472024-03-14T00:43:54.563-07:00"Till Debt Do Us Part"Anything you want to know and ask about money.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.comBlogger18125tag:blogger.com,1999:blog-3534128806203760147.post-64849040538729208972010-07-11T20:30:00.000-07:002010-07-11T20:35:43.501-07:00MY 1ST BLOG IN TAGALOG! MANINDIGAN KA!<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh07TByAzdipzO1S5w8snVy0Tnwk6BQ-EsHn61awtzR0ypjFmN2vTmB0KluGgGj0snodFW8gktk88N2Qdp90GV5sPofj5mGFdK-mYrfjE-6H31FyNWK1jy8zxB63Ojp5P4UE8vD0ipz5FpM/s1600/andresBonifacio.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 283px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh07TByAzdipzO1S5w8snVy0Tnwk6BQ-EsHn61awtzR0ypjFmN2vTmB0KluGgGj0snodFW8gktk88N2Qdp90GV5sPofj5mGFdK-mYrfjE-6H31FyNWK1jy8zxB63Ojp5P4UE8vD0ipz5FpM/s320/andresBonifacio.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5492858284041555746" /></a><br />Napakahirap magtrabaho kung alam mo na ang mga taong pinagtratrabuhan mo at kasama mo ay hindi naniniwala sa iyong kakayahan. Para kang dumadaan sa butas ng karayom upang matuwa lang sila sa iyo. Napakataas ng kanilang expectation na minsan mukhang napakaimposible mong maabot. Madalas silang nakatuon sa mga pagkakamali kaysa sa mga tama na iyong nagawa. De numero lahat ang galaw mo dahil natatakot ka na magkamali, parang bagang ikaw ay ay naglalakad sa mga itlog na pwedeng mabasag kahit ano mang oras. Ingat na ingat ka sa lahat ng iyong ginagawa! Nangangamba sa bawat hakbang na ikaw ay magkakamali at mapapagalitan. Napakahirap ng sitwasyon kung ang ganoon and working environment mo. Kung nararamdaman mo ang pakiramdam na ito dati o ngayon, hindi ka nag-iisa. <br /><br />Kailangan natin maunawan na tayo ay hindi magiging biktima, kung hindi magpapabiktima. Dahil may kasabihan na “Walang mabibiktima kung walang magpapabiktima.” Huwag tanggapin na ito na ang itinadhana ng Diyos sa iyong buhay. Ito ay isang malaking kasinungalingan, may choice ka! May karapatan ka na mamili kung gusto mo magpaalipin o maging malaya. Magpaalipin kung tatanggapin mo na ganito ka mabuhay at ganito ka din mamatay. Magiging malaya kung maniniwala ka na puede kang mamili ng ibang trabaho o landas upang mababago at ikauunlad ng iyong buhay. Huwag tayong magpaalipin sa kasinungalingan at maniwala na wala ka nang pag-asa. Yan ang gusto gawin ng demonyo sa ating buhay, na tayo ay maging alipin at hindi na makaahon sa ating buhay.<br /><br />Lumaban ka at manindigan! Maniwala muli sa iyong sarili! Manampalataya sa Diyos! At piliin na bagong landas, piliin na makatrabaho ang mga taong naniniwala sa iyong abilidad at kakayahan. Hanapin ang mga taong naniniwala sa iyo na tumitingin sa mga tama mong ginagawa kaysa sa mga maling ginagawa. Paligiran mo ang iyong sarili na magbibigay sa iyo ng lakas ng loob at hindi pahihinain ang iyong loob. Mga taong na nagbibigay ng inspirasyon at hindi nagnanakaw ng iyong mga pangarap. Ikaw ay nilikha ng Diyos upang magtagumpay para makamit mo ang iyong pangarap. Huwag hayaan na gamitin ka na parang basahan, na pag wala ng silbi ay tinatapon na lang sa basura. Lumaban ka at maniwala muli sa sarili at manampalataya sa Diyos na habang may buhay ay may pag-asa!<br /><br />PS.<br />Kung may mga katangunan, bisitahin ninyo ang aking website www.chinkeetan.com at nais ko marinig kung ano ang inyong nasa loobin.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com16tag:blogger.com,1999:blog-3534128806203760147.post-28812061623718193312010-07-11T08:10:00.000-07:002010-07-11T09:03:18.673-07:00Never Work With Someone Who Does Not Believe In You<span style="font-weight:bold;"><br />It is so difficult to live up to the expectations of other people. It seems like that you are going through the hoop in order to please them. The expectations are too high, it seems to be an unreachable and an impossible task. They often focus on the things you are doing wrong rather than the thing you have done right. Your decisions and every move is too calculated because you are too afraid to make mistakes, it seems like that you are walking on thin ice or walking on soft egg shells that it might break anytime. If you have experienced or are experiencing this situation, you are not alone.<br /><br />One thing I learned in life is to work with people who sincerely believes in you. Look for a group of people who will look at your potential rather than your failures. Surround yourself with people who will encourage you not discourage you. People who will inspire hope and not steal your dreams away from you. You are created for greatness and live out your dreams. Never allow people to treat you like a rag, they will only use you and when you are not anymore useful they will just dump you into the trash bin. <br /><br />Let us find the place and the people who will accept us for who we are and not because of what we can do for them and not because of what we can become!<br /></span>Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com3tag:blogger.com,1999:blog-3534128806203760147.post-64700768099531738642010-06-25T09:12:00.001-07:002010-06-25T09:14:28.651-07:00WHY GOD WANTS YOU TO BE RICH?<span style="font-weight:bold;">(THIS IS AN EXCERPT FROM MY NEWEST BOOK RICH GOD POOR GOD)</span><br /><br />We need to understand the principle and the process by which God releases His blessings in order for us to receive it in full. Once you receive it in full, there is a reason why God entrusted it to you. Just imagine, of all the billions of people on earth, why did God choose you? God can choose another person, but why you? Because God knows you are ready and you can be trusted. <br /><br />Allow me to unveil the main reason why He wants you to prosper.<br /><br />God wants you to prosper so that you can become a blessing to others.<br /><br />God has entrusted the riches to us for a reason. Not only so we can live comfortable lives but also so we can make other people’s lives better.<br /><br />Notice what the Lord’s prayer says.<br /><br />Give us this day our daily bread.<br /><br />What is so strange about this prayer is that it is a personal prayer. But how come we pray, “give US” and not “give ME”? <br />I believe God is teaching us to pray not only for our needs but also for the needs of other people.<br /><br />We should not think only of ourselves but also of others.<br /><br />You will be made rich in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God (2 Corinthians 9:11).<br /><br />Till my next blog!Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com6tag:blogger.com,1999:blog-3534128806203760147.post-30947599595046275442010-06-16T07:26:00.000-07:002010-06-18T16:29:46.726-07:00RICH GOD POOR GOD LUCENA<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXcsdRsfGyesYDYInzm__7CFSQxMQpfXh7q4eR0uDyZFcyuyXwpfv1ZQgeAxg0H_emONIdzbjcSs-mmWkpEaZbbz_rxW6UmphyphenhyphenoOtSpJb1kX4iddx_Fnz4JLJxMjXCpp52cG3Fg4fugDVn/s1600/Picture+1.png"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 230px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXcsdRsfGyesYDYInzm__7CFSQxMQpfXh7q4eR0uDyZFcyuyXwpfv1ZQgeAxg0H_emONIdzbjcSs-mmWkpEaZbbz_rxW6UmphyphenhyphenoOtSpJb1kX4iddx_Fnz4JLJxMjXCpp52cG3Fg4fugDVn/s320/Picture+1.png" border="0" alt=""id="BLOGGER_PHOTO_ID_5483381733540168210" /></a><br /><br />Would like to thank Pastor Ed for inviting me to share my latest book <br />"Rich God, Poor God." This is the my first time to share this book publicly and the first time to also bring the books out on the public. <br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEQ-J2VO3Fk9vs7PMQPm0yva61I5ccStuEAu2JAORW4tO2-s18nqXGlI55H1zbTOn1EwWaOduRAxqUI0PdXpUVHoQxOHRsi1jxOBv78Ptz_WAcGLR_L2kwJx6dK4SdEMeWeGH6ul1qxFlu/s1600/35398_1454485197478_1093766670_1340038_3454863_n.jpg"><img style="float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 214px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEQ-J2VO3Fk9vs7PMQPm0yva61I5ccStuEAu2JAORW4tO2-s18nqXGlI55H1zbTOn1EwWaOduRAxqUI0PdXpUVHoQxOHRsi1jxOBv78Ptz_WAcGLR_L2kwJx6dK4SdEMeWeGH6ul1qxFlu/s320/35398_1454485197478_1093766670_1340038_3454863_n.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5483378759901494738" /></a><br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_SnKpxKUz_BRrH1Te8GWy9ZWec5atahAOklTKH7feaD7m2P4wFLOnontwQO83Ytkxcif1S79aw4GhQDUnnkVX3dKBI6mecJwLY7idb1G7xbYAT38wSQRAF7jS6S3UT6Q_b_3axWBvV44f/s1600/35398_1454485077475_1093766670_1340036_530849_n.jpg"><img style="float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 214px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_SnKpxKUz_BRrH1Te8GWy9ZWec5atahAOklTKH7feaD7m2P4wFLOnontwQO83Ytkxcif1S79aw4GhQDUnnkVX3dKBI6mecJwLY7idb1G7xbYAT38wSQRAF7jS6S3UT6Q_b_3axWBvV44f/s320/35398_1454485077475_1093766670_1340036_530849_n.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5483379756856618914" /></a><br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZmEIIRxIUHPQFtMCGr9ZR_ck7yC1HshCDSaIgfwEPI8eIkmVOgUi18905m6qlBzJtIgoWlhWW9HhqocbuAfqW8_unNDvKLwvDW74FfNb7xzPodZZa_AyiJ4IOdtB7-vtcBeg7aFSJ-57L/s1600/35398_1454525998498_1093766670_1340264_5153310_n.jpg"><img style="float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 214px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZmEIIRxIUHPQFtMCGr9ZR_ck7yC1HshCDSaIgfwEPI8eIkmVOgUi18905m6qlBzJtIgoWlhWW9HhqocbuAfqW8_unNDvKLwvDW74FfNb7xzPodZZa_AyiJ4IOdtB7-vtcBeg7aFSJ-57L/s320/35398_1454525998498_1093766670_1340264_5153310_n.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5483381434829804402" /></a><br /><br />Over 100 people attended the event and let me tell you that everyone was so excited to learn and eager to learn. Everyone was very cooperative and was really into all the exercise we did. In others words, game na game sila!<br /><br />Afterwards, many lined up for the autograph signing, almost 200 books were sold during this event. I'm really thankful and grateful to God for granting me the opportunity to share and minister to the people of Lucena. I know I will be back soon, as a matter of fact Enverga University and Harmony School have invited me to to be back this July 15 and 16.<br /><br />See you soon! Will be bringing this new program to other churches.<br />For more info just email me at visionchinkee@gmail.com, if you want to bring this program to your church.<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhq1LuAs6yXi2BuwDtHFm5gz5KamdhMgkxGAIrwuTfhoL0xWUPoCoAm0zFU2sWk7YvkjYkqgzFj3_eYfKKgOhCEloliVopBvJH7nscdfCAqLpKhcmg4G8oNYK9pzfh75WccG-amQeVNd1MR/s1600/35398_1454526718516_1093766670_1340279_3638686_n.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 214px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhq1LuAs6yXi2BuwDtHFm5gz5KamdhMgkxGAIrwuTfhoL0xWUPoCoAm0zFU2sWk7YvkjYkqgzFj3_eYfKKgOhCEloliVopBvJH7nscdfCAqLpKhcmg4G8oNYK9pzfh75WccG-amQeVNd1MR/s320/35398_1454526718516_1093766670_1340279_3638686_n.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5483381992081472370" /></a>Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com1tag:blogger.com,1999:blog-3534128806203760147.post-89055160434586176022010-06-15T17:32:00.000-07:002010-06-27T07:59:21.508-07:00COMMENTS ON MY NEW BOOK!It has been a life long prayer for every person who loves God to be blessed by God. Praying for one's need is a norm but some want to be blessed tremendously in order to become a blessing to others. If you want to know why God want to prosper you. You got to have this book.<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLdHsi_S9l1lke6EOW-120qS-4k_0n0TxZaYEYHf7gfVCqNT17FFpYKvYHfq-VGOx9qMu_9t2ZAVmq45BAqa3gLBxJmKVtENV6sB8Aa953JcJMq5JCQsQZl5kSYggcZP7raGzJoM9W9zRa/s1600/Picture+4.png"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 232px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLdHsi_S9l1lke6EOW-120qS-4k_0n0TxZaYEYHf7gfVCqNT17FFpYKvYHfq-VGOx9qMu_9t2ZAVmq45BAqa3gLBxJmKVtENV6sB8Aa953JcJMq5JCQsQZl5kSYggcZP7raGzJoM9W9zRa/s320/Picture+4.png" border="0" alt=""id="BLOGGER_PHOTO_ID_5483163465761178818" /></a><br /><br /><br />These are some of the comments for my new book.<br /><br />What church leaders have to say about the book “Rich God, Poor God.”<br /><br />“Chinkee writes from the heart and his experience with the generosity of our heavenly Father. God is indeed rich. It is not a theory or speculation. This book is grounded on Biblical principle and supported by the author’s life experience. <span style="font-weight:bold;">You will be blessed as you read it.”</span><br /><span style="font-weight:bold;">Peter Tan-chi<br />Founder & Senior Pastor of Christ Commission Fellowship</span><br /><br />“Beyond being a crass step-by-step guide on how to be “rich quick”, this book delves on wealth’s raison d’etre , elevating our so-easy-to-be-cheapened quest for riches beyond acceptability into respectability into noble mission. <span style="font-weight:bold;">Internalizing the essence of this book, no one has to ever apologize ever again for wanting to be rich.”</span><br /><span style="font-weight:bold;">Ed Lapiz</span><br /><br />"If you want to know the truth about God's desire to bless you financially and break the wrong mental attitudes, disposition, inclination, habits about money in your life, then this book is for you. <span style="font-weight:bold;">Chinkee takes you on a journey of victory and reveals the truth on why God truly wants to prosper you."</span><br /><span style="font-weight:bold;">Peter Kairuz (TV Host / CBN ASIA 700 Club )</span><br /><br /><span style="font-weight:bold;"><br />COMING SOON THIS JULY 2010.<br /></span>Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com6tag:blogger.com,1999:blog-3534128806203760147.post-16259134801040133152010-06-09T17:32:00.000-07:002010-06-10T02:29:51.178-07:00BUSINESS IS BUSINESS!<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXU8mfmIZP2VB1RVXUFjLJZZfbZycmZwfT0KuvR3LZlD6NPui1S3CSfzWF3wa60GW_pBvv1Y5ISCQfxhQSqvniubv7Rz3PpLTs_dDFR3HoX81LLxGpCOH6uYXWAJ0Y9tFisnszgKr5uN0m/s1600/Picture+4.png"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 232px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXU8mfmIZP2VB1RVXUFjLJZZfbZycmZwfT0KuvR3LZlD6NPui1S3CSfzWF3wa60GW_pBvv1Y5ISCQfxhQSqvniubv7Rz3PpLTs_dDFR3HoX81LLxGpCOH6uYXWAJ0Y9tFisnszgKr5uN0m/s320/Picture+4.png" border="0" alt=""id="BLOGGER_PHOTO_ID_5481074724886938418" /></a><br /><span style="font-weight:bold;">Business is business. You cannot mix God and business. Have you ever heard this familiar lines?<br /><br />Well, if you pray. If you ask God for protection and financial blessings. If you do. You’ve got to read further. Whatever your belief and your faith maybe, if you pray and ask for Gods blessings, you have just involved and put God in the picture of your business.<br /><br />You can never separate God and business. The only time you can say you are a self- made man if you do not ask and involve God in what you do.<br />Unfortunately, most of the people I have met have acknowledged once in their life they have prayed and asked God to bless their business specially in their dark and difficult times. <br /><br />If you want to know how to invoke and involve God into what you are doing, whether you are a professional or your in business, this book is definitely for you. Watch out for the release of my upcoming book “Rich God, Poor God” Why God Wants You To Prosper. Know the keys on how to unlock God’s blessing. Learn how to partner with God in everything you do. Invoke God’s power and blessing over your life and your business.<br /><br />This book will be released the end of June, please stay tune on this page for my book launch. Hope to see you there!<br /></span>Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com0tag:blogger.com,1999:blog-3534128806203760147.post-4696132828393140922010-06-05T17:10:00.000-07:002010-06-05T18:25:01.906-07:00COMING SOON ... RICH GOD POOR GOD (WHY GOD WANTS YOU TO PROSPER)<span style="font-weight:bold;"><br />I have already released 2 books in my career as an author. The first book was "Till Debt Do Us Part" and the second one was "For Richer and For Poorer." The first books talks about the practical ways on how to SAVE, BUDGET, GET OUT OF DEBT, INVEST AND PREPARE FOR RETIREMENT. The second book talks about the ATTITUDE and the MINDSET of the RICH and the POOR, what separates the RICH and the POOR. This book will reveal the SECRETS OF RICH PEOPLE THINKING.<br /><br />After this 2 books, I just felt it is time for me to take a break to write something that is different but still close to my heart. The topic indeed will still be about MONEY. It has been my life long passion and dream to see people to become FINANCIALLY LITERATE AND TO BECOME DEBT FREE. Since I have written the PRACTICAL side of money, allow me to present to you the SPIRITUAL side of money. This coming July, I will be releasing my 1st book on finances according to GOD'S PERSPECTIVE ON PROSPERITY entitled "Rich God, Poor God."</span><br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpQI3TysXlN-eOdJpYy48QQrwgk1Zd7pyyO4uAnoShlIE75Z_pHD7vyipbmSc3TtkpQo9FFaDq97JBQzaL9dpcXcGB3urXdptI1xIg8hUPavaJ8LSCOWmj1rKpZwtRHpsnFhXpOMgDQQWP/s1600/Picture+5.png"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 260px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpQI3TysXlN-eOdJpYy48QQrwgk1Zd7pyyO4uAnoShlIE75Z_pHD7vyipbmSc3TtkpQo9FFaDq97JBQzaL9dpcXcGB3urXdptI1xIg8hUPavaJ8LSCOWmj1rKpZwtRHpsnFhXpOMgDQQWP/s320/Picture+5.png" border="0" alt=""id="BLOGGER_PHOTO_ID_5479450555171292018" /></a><br /><br /><span style="font-weight:bold;">What is this book all about?</span><br />This book will reveal to you the principles and the secrets on how to unlock the key to God's blessing and riches.<br />This will help you understand why your prayers has not yet been answered.<br />And it will also present to you the process on how to be blessed by God through his glorious riches.<br /><br /><span style="font-weight:bold;">Who should read this book?</span><br />To all people who pray to God for blessings and ask for answered prayers.<br />Whether you are a Christian, Catholic, INC, Mormon etc. If you believe that God is your source and pray for His blessings, this book is for you!<br />The teachings of this book are based on the principles of God's word not according to any church denominations.<br />God's principles transcends the wall of churches and denominations.<br />It does'nt matter what church or affiliations you belong to, as long as you believe in God's word and God is the source of your blessing, this book is DEFINITELY for you.<br /><span style="font-weight:bold;"><br />Please read the continuation of this blog to know more about the chapters and contents.</span>Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com0tag:blogger.com,1999:blog-3534128806203760147.post-85632791416497150792010-06-04T20:08:00.000-07:002010-06-04T20:36:17.101-07:00A BLOGGER'S GREATEST SIN!<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiX9rejVgtUu8ZILDDuEgtqC-BtpqUVRvgb9DkMnWl_Jude5EE1l5SJ05-AxSei2fZRkRrxv645MaMZ5vykPjBeG0oqaQlzAh3KB72MGFQPYos8QAOTH-ApzIGJTb2DFENXB9wxlmZLXv6i/s1600/_MG_1420.jpg"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 213px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiX9rejVgtUu8ZILDDuEgtqC-BtpqUVRvgb9DkMnWl_Jude5EE1l5SJ05-AxSei2fZRkRrxv645MaMZ5vykPjBeG0oqaQlzAh3KB72MGFQPYos8QAOTH-ApzIGJTb2DFENXB9wxlmZLXv6i/s320/_MG_1420.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5479123193079580386" /></a><br />Hi there, <br /><br />After over 2 years of hibernation.<br />I have committed one of the greatest sin a blogger can do and that is to stay inactive for over 2 years.<br /><br />I have been so caught up with all my talks and book writing. I have been averaging around 15 to 20 talks in a month, so <br />that is over 150 to 200 talks in a year.<br /><br /><br /><br /><br /><br /><br />After signing over 40,000 copies of my book "Till Debt Do Us Part"<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi03ggwGKq1t1THQrZ_-wv9n_mBx-DM_ftgElBmCCO3fTWi3W-FICFbypVR8-P1U06wZ_84FUe6AWOqEhedVo1EofqAKDGcPx97ffYFo3fuJYHt_fg9DSqhMV6IhGHn5d_RkdzHZXL10Y9t/s1600/IMG_1482.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi03ggwGKq1t1THQrZ_-wv9n_mBx-DM_ftgElBmCCO3fTWi3W-FICFbypVR8-P1U06wZ_84FUe6AWOqEhedVo1EofqAKDGcPx97ffYFo3fuJYHt_fg9DSqhMV6IhGHn5d_RkdzHZXL10Y9t/s320/IMG_1482.JPG" border="0" alt=""id="BLOGGER_PHOTO_ID_5479123822460527122" /></a><br />After releasing another best selling book "For Richer and For Poorer" in 2009 of November which sold over 15,000 copies as of present.<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5jXebuzZzf4RoNoAuhFL6M9pjNQ9bGf4AR8_OHsKOKF4VwxXvSbRrQh_cOAG4V39kcOV69qygFU-zXBxTKs7vBYsb_bRZFBVos6mS1jk8gfKMHjMGfqwziuX7ybL0S94u4pM5Q-iCgNC6/s1600/IMG_0431.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 240px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5jXebuzZzf4RoNoAuhFL6M9pjNQ9bGf4AR8_OHsKOKF4VwxXvSbRrQh_cOAG4V39kcOV69qygFU-zXBxTKs7vBYsb_bRZFBVos6mS1jk8gfKMHjMGfqwziuX7ybL0S94u4pM5Q-iCgNC6/s320/IMG_0431.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5479125255966904354" /></a><br /><br />Now soon to be released book on July "Rich God Poor God" Why God Wants You To Prosper.<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaQoItpxME73RxmaRXERsuEWWryMKPUKVMxQTCTMH4SG3kkhoIulWoJaZwxP4ooBsZv_i3xjOjX08IAl9wgXIqObGF2w4O97lRi7t-HbodCTT3jL8BdpfOj-RSlX2TZoXhDHPa22g_0Vi0/s1600/RICH+GOD+POOR+GOD+POSTER2.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 207px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaQoItpxME73RxmaRXERsuEWWryMKPUKVMxQTCTMH4SG3kkhoIulWoJaZwxP4ooBsZv_i3xjOjX08IAl9wgXIqObGF2w4O97lRi7t-HbodCTT3jL8BdpfOj-RSlX2TZoXhDHPa22g_0Vi0/s320/RICH+GOD+POOR+GOD+POSTER2.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5479127193605777250" /></a><br />NOW IT IS THE TIME TO GO BACK TO BLOGGING!<br /><br />I sincerely apologize for being away so long, now this is the RETURN OF THE COMEBACK. I commit to write consistently and update you with what is happening with me.<br /><br />Truly yours,<br /><br />Chinkee Tan<br />Life & Money CoachChinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com2tag:blogger.com,1999:blog-3534128806203760147.post-14353136089967954472008-09-28T07:40:00.000-07:002008-09-28T07:43:54.384-07:008 PRACTICAL WAYS YOU CAN SAVE THIS CHRISTMAS OF 2008We are now entering the "Ber Season." How do you feel when Christmas is literary around the corner? Are you happy because this is the time of the year that you will meet all of your long lost friends and relatives? Or are you stress and scared because this is the season where it drains all your money just like a vacuum cleaner?<br /><br />Nevertheless we must prepare ourselves because whether we like it or not Christmas is coming very soon.<br /><br />If you have a large circle of business associates, friends, and neighbors to give gifts to. Here are some ideas for Christmas presents.<br /><span style="font-weight:bold;"><br />1. Start preparing for Christmas during the "after Christmas Sales" of the previous year. </span><br />It is more cheaper to buy Christmas items after the Christmas season since shops just want to get rid of all inventories<br />and recover their cost.<br /><span style="font-weight:bold;"><br />2. Chip in together for a bigger gift.</span><br />What if the one you love wants a gift that is off your budget? I now combine my effort with the people who loves him to buy him a bigger gift. It will individually cost less to everybody as we pool together and the person will receive something he or she was looking for. It is definitely a great trick for those who has everything.<br /><span style="font-weight:bold;"><br />3. Keep presents as "generic" as possible.</span> <br />One of my favorites is to give away books. I recommend the book entitled "Till Debt Do Us Part" which was authored by yours truly. <br />(Laugh out Loud!)<br />These are gifts for friends and family who have everything in life; and you don't have any idea what they want. <br /><span style="font-weight:bold;"><br />4. Use old magazine pages to wrap gifts.</span><br />I give credit to my beautiful and creative wife, she uses old magazines to wrap her gifts.<br />It looks unique, nice and yet inexpensive.<br /><span style="font-weight:bold;"><br />5. Make your own Christmas post cards.</span><br />Take your own family portrait and make it to a Christmas post cards.<br />Some extended families just agree to exchange cards.<br /><span style="font-weight:bold;"><br />6. Make a donation to your favorite charity.</span><br />Inform your family and friends that you are making a donation to a charitable institution in their behalf.<br /><span style="font-weight:bold;"><br /><br />7. Cook home made food.</span><br />If your passion is cooking. Cook authentic dishes or make desserts like cookies, fruit salads or create your own dressing and give it as gifts. Your love ones will appreciate this more since they know it is a labor of love.<br /><span style="font-weight:bold;"><br />8. Potluck parties.</span><br />This is one of my favorites. I organized parties and ask everyone to bring one meal each to celebrate and have fun with each other. The best way to have fun is to be with the people you love and care most. It is not only about the gifts you are to receive but rather the relationship you are trying to build.<br /><br />Let us not be pressured and stressed out during this season. We have be reminded that Christmas is not about commercialism giving and receiving of gifts. But Christmas is the season where we should be reminded unto us a child is born and He will be called as Wonderful Counselor, Mighty God, Everlasting Father, Prince of Peace and His name is Jesus. He is the reason for this season!Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com0tag:blogger.com,1999:blog-3534128806203760147.post-37397468852213891602008-07-17T09:53:00.000-07:002008-07-17T09:59:41.640-07:00HOW TO GET OUT OF A CREDIT CARD DEBT?Credit card is the most emotionless way of spending money.<br />You will not even feel spending over P10,000 per transaction<br />if we use out credit card specially i you buy it in lay away<br />12 month zero interest mode.<br /><br />But once the billing statement arrives that is where we can feel<br />the crunch. Countless people are now feeling not only the crunch<br />but also feel the constant follow up of the call centers of the <br />credit card company to follow you up of your payment and outstanding<br />debt. <br /><br />If you are in a tight situation and you do not know where you will get <br />your money to pay off your credit card bill. Continue to read on...<br /><br /><span style="font-weight:bold;">1. Pay more than the minimum. </span><br />Bite the bullet. Paying the minimum only prolongs the agony. Besides, it's precisely what the banks want you to do. The longer you take to repay the charges, the more interest they make, and the less cash you have in your pocket.<br />Remember in paying off your debt it is not in the amount that is more important it is in your willingness to pay.<br /><br /><span style="font-weight:bold;">2. Cash out your assets.</span><br />Let us look at your list of assets.<br />If you own jewelries, property or anything of value that you can sell.<br />Sometimes we are too emotionally attached to the stuffs we have it is so hard<br />to dispose and let go. <br />Maybe the practical question to ask is "Are the jewelries and property earning more interest<br />than what the credit card company and creditors are charging?" If the answer is no. It is<br />time to make the hard decision and sell because you will generate more when you sell<br />rather than keep your dead assets.<br /><br /><span style="font-weight:bold;">3. Talk to your family and friends.</span><br />Perhaps your family or friends could float you a loan. Unless they are your enemies it is time to be nice to them and be friends with them again. The best to keep things on the straight and narrow by using a written agreement. You should clearly establish the interest and repayment schedule in writing to avoid misunderstandings and hard feelings.<br /><br /><span style="font-weight:bold;">4. Renegotiate terms with creditors.</span><br />This one most of the people are not really aware of.<br />This is where I am going to spill the beans.<br />Let your creditors know your situation. Tell them that if you are unable to renegotiate terms, you'll have no other recourse but to declare bankruptcy. Ask for a new and lower repayment schedule; request a lower interest rate; and appeal to their desire to receive payment. Faced with the prospect that you may resort to such a drastic step, creditors will do what they can to protect themselves against a total loss.<br />Believe me it works!<br /><br /><span style="font-weight:bold;"><br />5. Seek legal advise.</span><br />If the creditors are threatening to sue you or harassing you that they will go to your office<br />and report you to your HR or superiors. It is time to seek legal advise. Yes, we may made dumb <br />decision in the past that led us to debt. But we are not criminals who are running away from the <br />responsibility if we have plans to pay back what we owe. Talk to your lawyer and ask for legal options on how<br />you can walk this out.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com0tag:blogger.com,1999:blog-3534128806203760147.post-83537921835486574502008-01-14T09:35:00.001-08:002008-01-14T09:35:30.977-08:00Are You As Hungry Like a Wolf?Wolf are one of the best hunters in the animal kingdom, but one problem the wolf have is they cannot seem to be satisfied. They practice what they call as "Surplus Killing." It is defined as as the killing of several prey animals too numerous to eat at one sitting. Wolves sometimes only eat a part of their surplus-killed prey, like the tail or the internal organs. They always hunger for more!<br /><br />One day, a wolf saw a blood Popsicle, a ball of ice dipped in his favorite seal blood. He was very intelligent and knew that such things can be risky and dangerous for his life but he went on and started licking it. “What a taste! I am enjoying it!”. He felt as if he is so involved it in and enjoying it thoroughly. Time was just passing by and he kept licking until he was already licking the knife. But he was feeling a little weak as if his energy was going away but he kept licking. His vision was dimming a bit but he kept licking because he cannot satisfy his pleasure. Now he couldn’t see much and he knew something went wrong and before he could decide to take a step back he fell and saw his tongue bleeding, he wanted to help himself but could not get up. Until he bled to death and died.<br /><br />The problem with the wolf is greed.<br />Greed is one thing we have to protect ourselves from, particularly when it comes to money. <br />I’ve met a lot of people who, even after accumulating so much money, still want to have more. <br />This isn’t to say that accumulating money is wrong. But if we overdo it, then it is a different story.<br />We will be just like the wolf, hungry and thirsting for more. Without us being aware that our family time is <br />bleeding. Overdoing it is when accumulating money reaches the point of destroying relationships with families and friends.<br /><br />It does not necessarily mean that rich people are greedy and poor people are not.<br />It is not dependent on any social status of society.<br />Actually, people who are rich and people who are poor are similar in some manners. <br />Why? It is because both can say the same thing. <br />People who are rich says, “I want more. I must have more.” <br />On the other hand, people who are poor says, “I don’t have enough. This isn’t yet enough.” <br />But on the same token, people who are poor, after making some money, can also say, “I want more. I must have more.” <br />People who are rich, after making lots of money, can say, “I don’t have enough. This isn’t yet enough.” <br />Both crave to get more.<br /><br />Whether a person is rich and has lots of money or he is poor and doesn’t have enough, his feelings are the same. Why? Because both greed and poverty say the same thing. This is a heart issue. Greed is not just a state of mind. When being put to the test, money will just reveal what’s inside the heart in the first place.<br /><br />Let us be wise and learn from the mistakes of the wolf. <br />Learning how to spot an opportunity is not enough.<br />Learning to say no at times if it will take so much time away from your family.<br />Learning to be content with what you have and not wanting for more.<br />Learning to say I have more than enough, this is only what I need.<br /><br />At the end of the day, how much money does a person need to make in order to get by?<br />Be wise! Be thankful! Be grateful!Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com0tag:blogger.com,1999:blog-3534128806203760147.post-9645411980637530672007-12-30T20:01:00.000-08:002007-12-30T20:02:22.891-08:00Saving Money High on New Year's Resolution List in 2008LONDON (Reuters) - Saving money tops the list of 2008 resolutions for young people, taking priority over more common vows like dieting and exercising, research shows.<br /><br />Some 54 percent of 18 to 24-year-olds say they want to put more money away for a rainy day next year while 44 percent resolve to exercise more and 31 percent to go on a diet, according to a poll by ICICI Bank.<br /><br />It said this showed that the credit crunch was making people think about their financial future and rein in their spending.<br /><br />Overall, one third of 2,100 adults surveyed said they would resolve to make savings high on their agenda for 2008.<br /><br />That was beaten only by the intention to exercise and diet (44 percent and 38 percent respectively).<br /><br />Some 18 percent said they would make being "green" a New Year's resolution, 8 percent plan to give up smoking and 2 percent want to give up alcohol.<br /><br />_________________________________________________________________<br /><br />With this startling statistic, this only shows that more and more people are realizing the value of savings.<br /><br />Saving for your future is every persons dream. But for it to become a reality. We must carry the right philosophy in money "It's not how much money you make but how much money you save."<br /><br />We have to be consistent in disciplining and controlling our spending habits.<br /><br />Here are some practical ways on how we can save for 2008:<br />1. Quit smoking. <br />If you spend P30 pesos a day for smoking, that will be an equivalent of P900 a month and a total of P10,800 a year.<br /><br />2. Quit buying coffee from expensive coffee shops.<br />One cup of coffee will cost you P80 a day, that will be an equivalent of P1,600 for 20 days and a total of P19,200 per year.<br /><br />3. Control your mobile phone bill expenses.<br />If you can save at least P500 per month that will be a total savings of P6,000 per year.<br /><br />4. Quit using your credit cards.<br />Statistics shows that you increase your spending by 30% if you use your credit cards for purchases. As much as possible use cash. If you need to use your credit card for convenience. Make sure you pay the following week to avoid penalty charges.<br /><br />5. Eat at home.<br />Eat out less often. If you and your spouse will spend at least P500 for every meal for just even once a week. That will be a total of P2,000 a month and a grand total of P24,000 a year.<br /><br />From this 5 tips alone you can save around P50,000 a year.<br />There are many more things you can cut down in order for you <br />to start a new life this 2008.<br />So start the year right and you will experience a fruitful and a <br />debt free year of 2008.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com0tag:blogger.com,1999:blog-3534128806203760147.post-85905679575726030162007-12-10T09:04:00.000-08:002007-12-10T17:39:50.550-08:00Will Your Parents Have Enough When They Retire?To all parents,<br /><br />You sacrificed a lot to raise your family, sent your children to school, and provided to the best of, and at times even beyond, your abilities. But once your children graduate from college, I think it’s time for them to start earning and become responsible individuals. That’s the ultimate goal of every parent ⎯ to train and teach their children to become independent adults. <br /><br />Sad to say, I have seen young adults in their 30s still living with their parents and dependent for allowances. Some even have started their own families but still living with their parents under one roof. This will put so much strain in the financial resources on any family. Everyone is just dependent on one breadwinner.<br /><br /><br />Parents, it is time for you to let go. You have done your part. Now is the time for you to think about yourselves. Once you reach your golden year of retirement, the only people who will be next to you will definitely be your spouse. Regardless of your age, sex, or marital status, you need to know a few things about your and/or your spouse’s retirement plan. When setting your retirement goals, you shouldnot leave anything to chance. Getting the answers to these questions can eliminate future surprises. <br /><br />These are the questions we need to ask ourselves before we retire.<br />1. How much money do you have in your savings before you retire?<br />2. Do you have a pension retirement plan already in place?<br />3. What will be your expenses when you retire? List everything down.<br />4. Just in case you lose your capacity to earn, will you still be able to pay for all your bills even if you don’t have to work for another day in your life?<br />5. What are your passive sources of income once you retire? Will this be enough to cover for all your expenses?<br /><br />If we don’t handle our finances well while we’re still young, we will definitely experience hard times once we retire.<br /><br />In life, “if you fail to plan, you plan to fail.”Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com1tag:blogger.com,1999:blog-3534128806203760147.post-18047798982968654742007-12-05T22:10:00.000-08:002007-12-05T22:12:11.060-08:00Money Behind 80% of SeparationsFifty percent of all marriages fail, and financial problems are the leading cause of separation by a factor of 4:1 or 80% of all causes. Isn’t that alarming? Yet, it is true that the number one cause of marital problems are arguments on money. This is one sad fact about money, but this is the reality.<br /><br />I don’t know if you have experienced this, but financial problems usually do not even emanate from either you or your spouse. It can be because of a third party. Do you get what I mean by third party? Well, as Filipinos, we are clannish. There is always that probability that one side of the family, say your immediate relatives, needs money.<br /><br />I would like to share with you some practical tips on what my wife and I have agreed on how to avoid conflicts with regards to money.<br /><br /><br />Tip No. 1: Open Only a Joint Account<br /><br />Never keep a separate or secret account from your spouse. Friends and relatives will usually come to the wife or the bride-to-be and offer unsolicited advice, such as “If I were you, I will open another bank account. You do not know what will happen in the future. You know what I mean, just in case.” If you open another account and listen to the advice, unconsciously you have opened the idea of a possibility that your husband will cheat on you someday. You have already allowed the negative idea that your husband will not remain faithful in your marriage. The foundation of all marriages is trust. Trust must be preserved right from the first day of marriage.<br /><br />Tip No. 2: Keep Your Personal Income Private<br /><br />Never allow any of your immediate relatives to know how much money you are making in a month and how much money you have in the bank. Why? Let’s say your brother knows that you have saved P100,000 in the bank. The money is intended for the tuition of your children. All of a sudden he needs P30,000 for personal reasons. Who do you think your brother will call for help? Ghostbusters! I don’t think so. The first person he would think of and call will be you. Even if you explain that the money is for the tuition of your kids, he may still feel sad that you weren’t there for him when he needed you most.<br />What if your immediate relatives ask how much you are making in a month? My wife and I have agreed on a standard answer, “Just enough!” If they insist on asking how much specifically, we just tell them that we are making just enough to meet our needs.<br />These issues, if left unresolved, will cause strain as well as a tense environment in the relationship as husband and wife. So discuss, disclose, and agree as a couple on what are the limits you want to set in terms of extending help and support to your immediate family. This will help avoid miscommunications, disagreements, and stress in your relationship. In reality, money will be a constant concern in our lives.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com1tag:blogger.com,1999:blog-3534128806203760147.post-13391153127413516392007-11-28T08:25:00.000-08:002007-11-28T08:26:50.965-08:00DO YOU HAVE A BUDGET?Very few people ever bother to budget, which is why so many people are in debt. Few really realize just how much they spend on worthless expenses and in the end regret for the expenses they’ve made. If you want to keep your spending under control, it’s essential that you make a budget. What is a budget? A budget is a written plan on how to manage your money. A budget allows you to get a handle on the flow of your money⎯how much is coming in and where it goes to. With that information in hand, you can make intelligent choices about how to spend. In order for us to gain financial freedom, we need to be conscious of things and attitudes that are crucial to our finances. A budget is one such thing.<br /><br />Goals of Budgeting<br />What are the goals of a budget? I made an acrostics of the word called BUDGET.<br /><br />B for Boundaries⎯If you know your boundaries and set your limits for your expenses, you’ll able to live within your means. It also helps you stay away from debt.<br /><br />U for Unwanted stress and pressures⎯Bills and utility expenses should be expected month in and month out. So if you have set aside the money before it even comes, it helps you relieve unwanted stress and pressure in life.<br /><br />D for Debt-free⎯A written budget is a key to succeeding at being debt free. This may mean eliminating costly activities such as getting rid of cable, traveling less, eating out less, and watching fewer movies. It also helps you know how much money you can devote each month to paying off debt.<br /><br />G for Generate more and give⎯It will help you to determine specifically how much money you need in order to meet your needs. It will also help you know how much you want to believe God for excess in order for you to be a blessing to others. God will take whatever you give to others and give it back to you. Remember what we sow is what we reap.<br /><br />E for Eradicate impulse buying⎯It helps you manage your money effective, you need to fight impulse-buying tendencies and stick your spending to your budget plan. When you enter a supermarket or department store, normally you will see many items on sale that may trigger your impulse to buy. Hence, when you have a budget, you must be firm on how much you want to spend. If you are kind of person who cannot control his spending habit, leave your credit card and extra cash at home. <br />Remember, if you don’t have it, you can’t spend it.<br /><br />T for Trust God⎯It will help you determine how much money you need to ask and trust God for more. Believe that He will provide not only for our needs but also for the desires of our heart.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com1tag:blogger.com,1999:blog-3534128806203760147.post-46831609758599886902007-11-21T16:29:00.000-08:002007-11-21T16:59:50.599-08:00Shop Till You DropLet us ask ourselves these questions. What are your spending habits? Are any of these reasons keeping you from getting ahead and keeping you in debt? If so, you will want to work towards breaking those habits. Spending habits can be changed. You need to identify the spending leaks that give you immediate pleasure or satisfaction. Then substitute desirable spending behaviors that will help you reach your financial goals. <br /><br />Some practical tips to control spending:<br /><br />• Avoid exposing yourself to things that tempt you to spend. Stay away from stores, except when you have something you absolutely need to buy. Make a list and stick to it when shopping and then leave the store. Just browsing can lead to buying. <br /><br />• Plan your shopping. Go with a purpose in mind. Use that list! Extras you don’t really need can certainly push up the total at the cash register. <br /><br /><br />• Limit your number of trips to the mall or restaurants. It is so tempting to eat or buy food outside even if we know that there are food prepared at home.<br /><br />• Don’t shop in a weakened condition. By shopping when hungry, tired or depressed, you may find yourself overspending. <br /><br />Remember for things to change we have to change. <br />Change our habits and we change our lifestyle.<br />Change our lifestyle and we change our destiny.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com0tag:blogger.com,1999:blog-3534128806203760147.post-36242948248923090502007-11-10T16:51:00.000-08:002007-11-10T17:07:43.483-08:00Use Money As A ToolWhat is the purpose of a tool, is it to make life easier or harder? I think the answers seems to be pretty obvious. It is to make life easier.<br /><br />The way we handle our finances is an indicator of what is inside our hearts. Show me your bank statement and I’ll tell you what kind of a person you are. The way we spend money and the way we handle it, tells much if we are using the money in the right manner or in wrong manner.<br /><br />This reminded of me of a story of a rich man. There was a man who had worked all of his life and had saved all of his money. He was a real miser when it came to his money. He loved money more than just about anything, and just before he died, he said to his wife, "Now listen, when I die, I want you to take all my money and place it in the casket with me. I wanna take my money to the afterlife." <br /><br />So he got his wife to promise him with all her heart that when he died, she would put all the money in the casket with him. <br /><br />Well, one day he died. He was stretched out in the casket, the wife was sitting there in black next to her closest friend. When they finished the ceremony, just before the undertakers got ready to close the casket, the wife said "Wait just a minute!" she had a shoe box with her, she came over with the box and placed it in the casket. <br /><br />Then the undertakers locked the casket down and rolled it away. <br /><br />Her friend said, "I hope you weren't crazy enough to put all that money in the casket." <br /><br />She said, "Yes, I promised. I'm a good christian, I can't lie. I promised him that I was going to put that money in that casket with him." <br /><br />"You mean to tell me you put every cent of his money in the casket with him?" <br /><br />"I sure did, " said the wife. "I got it all together, put it into my account and I wrote him a check."<br /><br />We need to understand that money is just a tool. It is to make our life easier and better. For example, what is the purpose of a chair? A chair is use for sitting. What if there was a big typhoon? Since you did not bring any umbrella, you used the chair as an umbrella. Aside from the fact that it will be ineffective. How do you think you will look like? Definitely funny! Because we are using the chair for the wrong purpose. <br /><br />So now let me ask you a question. How would we know if you are using our money the right manner or the wrong manner? If the money we are making is making our life easier and better it means to say that we are using the money the right way. But if the money we are making is making our life harder and difficult it means to say that we are using the money the wrong way. <br /><br /> My hope is that our financial decisions will be based on being content with the basics, food, clothing and shelter. Wait patiently for the right time to come for the things that we may want and desire in our life. <br /><br />Let us not focus on the things that we have and not on the things that we do not have.<br /><br />For Godliness with contentment is great gain. Let us first stick to the basic and allow God to provide for the right time. When God blesses us with something in the right time he adds not trouble to it.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com0tag:blogger.com,1999:blog-3534128806203760147.post-32715911090710272642007-11-07T19:17:00.000-08:002007-11-07T22:50:26.275-08:00IntroductionHi there! This will be my first official blog under this site. I am encouraged by Pastor Dennis to write my blog more on the serious and the educational and inspirational aspect specially in my area of passion FINANCES. <br /><br />When I do financial seminar. Most often the questions that I get is how can I create wealth?<br /><br />Personal finance is easy . Yah! Your right! It is easy if you know the fundamental law that governs your money. If you master this, you have mastered the entire game: To gain wealth, you have to spend less than what you earn and do it for a long long time.<br /><br /><br />That’s all it takes. Think of it another way. Think of it like an arithmetic equation:<br /><br /> [WHAT YOU EARN] - [WHAT YOU SPEND] = [WEALTH] <br /><br />If you spend more than you earn, you are losing wealth. You are accumulating debt. You are heading in the wrong direction. However, if you are earning more than you spend, you are accumulating wealth. The greater the gap you can create between earning and spending, the faster you will accumulate wealth. There are only two things you can do to gain more wealth: spend less and earn more.<br /><br />Spending less is something that you can do right now with little or no effort. Just stop spending money. Seriously. That’s it. Don’t buy things. Sure, you need to buy some things, but if you learn to pay less for the essentials (food, shelter, clothing), and if you can learn to reduce your wants, you can trim spending by a shocking amount. Learn how to shop for groceries and to make your own food. Develop a frugal mindset. Live simply.<br /><br />Earning money is the other half of the wealth equation. If you can increase the amount you earn, you will accumulate wealth more quickly. Because earning money is so important, many personal finance books stress that your career is your most important asset. Your most important asset is not your house; it’s not your investment account; it is not — heaven forbid — your car. It’s your career and your capacity to earn. <br /><br />This is why a college education is so important: it can help you land a better job, can increase your earning power. This is why your professional reputation is so important: what your employer thinks of you, what your co-workers think of you, what your customers think of you all play a role in your success. If you treat your career like a prized possession, you’ll have greater success at finding better paying, more-fulfilling jobs.<br /><br /> Smart personal finance really is this simple: spend less than you earn. What do I do with the money I make? First I set aside my best for God, my tithe to Him. Because He is my partner and the one who gives me the ability to produce wealth. Second set aside ten percent of what I make for savings and the emergency fund then adjust our standard of living to whatever is left. Let our standard of living adjust to what we make rather than asking our income to adjust to our standard of living. That makes a lot of difference. <br /><br />If we continue to live a simple, frugal and discplined lifestyle of spending less than what you earn. When you grasp this concept, financial success and freedom is obvious.Chinkee Tanhttp://www.blogger.com/profile/09963225951907582486noreply@blogger.com4