ESBI MentalityESBI MentalityJourney to Financial FreedomJourney to Financial Freedom

Be Happy

Ecclesiastes 5:19 says, If God gives a man wealth and property and lets him enjoy them, he should be grateful and enjoy what he has worked for. It is a gift from God.

What is Financial Freedom? Financial freedom Financial freedom is much more than having money. It’s the freedom to be who you really are and do what you really want in life. If you want to be financially-free, you need to become a different person than you are today and let go of whatever has held you back in the past. It’s a process of growth, improvement and gaining spiritual and emotional strength to become the most powerful, happy, and successful “you” possible. That is the true reward of financial freedom.

You can take control of your situation, no matter what it is, and enjoy financial

freedom.

Enjoying the rewards of financial freedom is simply a matter of increasing your financial education and determining where you are where you are nownow financially and where you want to gowhere you want to go.

Secrets of the RICHNo. # 1 : The RICH understands the Importance of Financial Intelligence

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Puts Puts money in money in your your pocketpocket

Takes Takes money money out of out of your your pocketpocket

Cash flowing INCash flowing IN

Cash flowing OUTCash flowing OUTFeeds You Eats You

Maximize

Minimize

Remember These 3 InvestmentsDivide your money into three investments:

Step 1: Invest 10% in your Eternity

Give All You Can (Tithing)Step 2: Invest 20% in your Maturity

Earn & Save All You Can (Invest & Savings)Step 3: Invest 70% in your Family

Invest in people … Invest in relationships …

• In reality, everything is an investment.

Follow These 3 Rules• Rule 1: Invest in your future before Invest in your future before

your present.your present.

• Rule 2: Enjoy the simple before the Enjoy the simple before the complex.complex.

• Rule 3: Enjoy people before things.Enjoy people before things.

Rule # 1 Rule # 1 : Invest In Your Future Invest In Your Future Before Your PresentBefore Your Present

Money Strategy Of The PoorMoney Strategy Of The Poor• This method will make you poor—

no matter how much money you earn. 

• Here it is:

Income – Expense = Tithes & InvestmentsIncome – Expense = Tithes & Investments

Secrets of the RICHNo. # 2 : The RICH don’t work for money

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THE POORTHE POOR

Secrets of the RICHNo. # 2 : The RICH don’t work for money

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MIDDLE CLASSMIDDLE CLASS

Rule # 1 Rule # 1 : Invest In Your Future Invest In Your Future Before Your PresentBefore Your Present

Money Strategy Of The RichMoney Strategy Of The Rich• It’s really all a matter of right order.

If you do it this way, you’ll be wealthy.

• Here it is:

Income – Tithes & Investments = Expense Income – Tithes & Investments = Expense

Secrets of the RICHNo. # 2 : The RICH don’t work for money

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THE RICHTHE RICH

(--) Corporate Expenses

Examples Examples : Invested in the Invested in the Present Before Their FuturePresent Before Their Future

The Story Of Mr. PresidentThe Story Of Mr. President

I know of a President of a company who—years ago—I know of a President of a company who—years ago—earned P200,000 a month. This was at a time when earned P200,000 a month. This was at a time when P200,000 P200,000 was was P200,000. Mr. President had a nice house, P200,000. Mr. President had a nice house, three nice cars, country club shares, and travelled many three nice cars, country club shares, and travelled many times a year.times a year.

He’s now retired and lives a very different lifestyle. No He’s now retired and lives a very different lifestyle. No more nice cars, no more country club shares, and no more more nice cars, no more country club shares, and no more money. He now depends on his kids to put food on his money. He now depends on his kids to put food on his table. Reason? He is poor today because he used the table. Reason? He is poor today because he used the Money Strategy of the Poor. He invested in his present Money Strategy of the Poor. He invested in his present before he invested in the future.before he invested in the future.

Examples Examples : Invested in the Invested in the Present Before Their FuturePresent Before Their Future

Scottie Pippen, Scottie Pippen, Michael Jordan’s Chicago Bulls Michael Jordan’s Chicago Bulls teammate, earned $120 Million in his basketball teammate, earned $120 Million in his basketball career. But he got bankrupt.career. But he got bankrupt.

We think that all NBA players are rich.We think that all NBA players are rich.

Here’s the truth: Sixty percent (60%) of NBA players, after Here’s the truth: Sixty percent (60%) of NBA players, after five years of retirement, go bankrupt.  Sixty percent!five years of retirement, go bankrupt.  Sixty percent!

Evander Holyfield Evander Holyfield earned $250 Million in his boxing earned $250 Million in his boxing career. But he too got bankrupt.career. But he too got bankrupt.

Mike TysonMike Tyson, earned $400 Million in his boxing earned $400 Million in his boxing career. (Just to let you feel the size of that money—that’s career. (Just to let you feel the size of that money—that’s P17 Billion.) Yes, he too got bankrupt.P17 Billion.) Yes, he too got bankrupt.

Rule # 2 Rule # 2 : Enjoy The Simple Enjoy The Simple Before The ComplexBefore The Complex

• Here’s my point. If you’re not going to simplify your life, you’ll find a way to spend your money—no matter how much money you have.

• Learn to enjoy simple things. Or else you’ll never earn enough.

Key To Wealth: Delay GratificationKey To Wealth: Delay Gratification

Be Content

• The Bible says, But godliness actually is a means of great gain when accompanied by contentment. (1 Timothy 6:6)

Be CarefulIf you enjoy simple things, you’ll avoid

shopping on impulse.

Proverbs says, Plan carefully and you will have plenty; if you act too quickly, you will never have enough. (Proverbs 21:5)

Be Credit Free  The Bible also says that The borrower

becomes a slave of the lender (Proverbs 22:7). 

Rule # 3 Rule # 3 : Enjoy People Before Enjoy People Before ThingsThings

• God doesn’t want you to be a miser. God wants you to enjoy your wealth.

• Here’s the key: Save your money, yes, but spend your money to enjoy the deeper things of life. In other words, enjoy people before things.

• At the end of the day, it’s people who will make you happy. Save on stuff. Save on things. But don’t save on love. INVEST IN LOVEINVEST IN LOVE

Journey to Financial FreedomJourney to Financial Freedom

Where are you now ?

Where are you going ?

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ESB + ESBI 29.50 Months = 2.4 yrs

IF you SAVE and INVEST(ESB + ESBI)

5% = 2.4 yrs of Financial FREEDOM

10% = 4.2 yrs of Financial FREEDOM

15% = 6.0 yrs of Financial FREEDOM

20% = 7.8 yrs of Financial FREEDOM

25% = 9.6 yrs / 30% = 11.4 yrs of Financial FREEDOM

Actual Application of Project HOPE

As of 15As of 15thth May 2013 May 2013

27 LRM Pastors27 LRM Pastors

15,610 Blue Chip Shares15,610 Blue Chip Shares

Market Value @ Php 857 K … with Market Value @ Php 857 K … with Php 112 K 15% GAIN in 4 months … Php 112 K 15% GAIN in 4 months …

Gained Php 112K in 4 months .. Gained Php 112K in 4 months .. + 15%+ 15%

Period : Started Trading from 15Period : Started Trading from 15thth Jan 2013 todate 15Jan 2013 todate 15thth May = + 15 % May = + 15 %

GAIN. GAIN.

LRM Project LRM Project HOPEHOPE

( ( HHelping elping OOur ur PPastors astors EEnd well )nd well )

Operating Guidelines & Procedures

Project HOPE – Opening Guidelines & Procedures

1) PH member to fill up Account Information Form & Specimen Signature Form to be reviewed and filed by SO or assigned Sector Accountant.

2) PH member commits to invest SAR _______ / month to be withdrawn upon final exit or termination of work contract or other justifiable reasons as approved by PH Management Team (HP, SA & SO). Min. contribution of SR 200 / month for a Minimum Period of 2 Years.

3) Every month, each PH member gives their contribution to SO or assigned Sector Accountant for recording and fund consolidation then sends FULL collection via bank remittance directly to trading account bank details.

4) SO or assigned Sector Accountant sends scanned copy of remittance receipt to PH Portfolio Manager for fund transfer visibility.

5) Upon confirmation of receipt of remittance, PH Portfolio Manager starts trading (BUYING) Blue Chip Stocks. Sends confirmation of stock purchases to SO or assigned Sector Accountant for PH ledger update. Note: Standard Buying taxes, VAT, & COL broker charges applies.

6) Every end of the month, PH Portfolio Manager sends SOA – statement of account to SO or assigned Sector Accountant for PH ledger update & reconciliation then sends PH ledger worksheet summary to all PH members via email.

7) Project HOPE financial reporting to be published every 1st Sat of Qtr.

NOTE : Free Membership Fee for 1st Year. An Annual Membership Fee of SR _____ is still to be agreed / defined for all PH members for sustainability.

Project HOPE - Retirement / Withdrawal Procedures

1) Withdrawals are ONLY during retirement or when the pastor decides to go on exit &/or upon contract completion or termination or any other valid reasons as approved by HP, SA & SO.

2) All PH members requesting for account settlement for retirement will fill up & sign a Request for Withdrawal Form duly approved by his HP, SA & SO.

3) SO or assigned Sector Accountant to receive the Request for Withdrawal Form and validates complete name, bank details & signature and then computes the total investment portfolio of PH member based on PH ledger advising % contribution, name & number of stocks invested and sends computation details to HP, SA & SO for review and approval for payment release.

4) Sends payment details computation to PH member for review and final signature of acceptance & acknowledgement and sends to PH Portfolio Manager for closing (SELLING) the full portfolio investment.

5) PH Portfolio Manager receives the approved RFW and SELLS equivalent shares (based on market value) Approx. 95% of the market value will be transferred electronically to the PH member’s assigned Bank Account or will receive a check from Project HOPE – Account Bearer (HP/SA or SA/SO). Note : Standard Sales Tax, Comm./ Broker Charges, VAT, PSE Transfer Fee, SCCP Fee, PM Fee, Closing Fees applies (Approximately 5%).

6) PH members receives the full payout amount in check (or bank transfer) & retires rich and righteous.

7) PH member writes a testimonial and posts to PH website archives to serve as inspiration to all present & future PH members.

NOTE : Church happy , PH member happy, family happy … GOD is glorified !

Standard Trade Charges

Journey to Financial FreedomJourney to Financial Freedom

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Secrets of the RICHNo. # 3 : The RICH mind their own business

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Secrets of the RICH

No. # 5 : The RICH print their own money

No. # 4 : The RICH pays less taxes

No. # 6 : The RICH has awakened their Financial Genius

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BI Triang

le

WHAT

BUSINESS ?

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Business Innovators & Builders

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BIB – Business Profile

1) Core Business a) Real Estate Business (Oct 2011)

- Arista Project (RFO – April 2014)b) Financing / Lending Business (Jan 2012)

- KSA Operations (On Going)

2)Other Business Plansc) Cooperative Business – 2nd Qtr d) Food & Restaurant Business – 3rd / 4th Qtre) SPA – Health Care Businessf) PHIL - Resorts / Vacation Houses / Others …g) Transport Business – PINK Taxi … 39

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Update on Arista Real Estate

Business

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Actual Pics – ARISTA ProjectAs of 06 Feb 2013

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BIB Cooperative Business

BIB Coop

Business

RF 1 & 2

KOM

ICF

SBL

POP 1 & 2

SBJ

LOJ

MC/ANG

SOL 1 & 2

LOV 1 & 2

ROL

SOG 1

AOG 1

LOG

TOP

KOG

SOS

ROS 1 & 2

KKUH Panda / Lulu

Suppliers

SOG 2

AOG 2

CNW

ACTS

ACTS

PS23

Others

Others

Others

Others

CNW

CNW

BIB Business Update as of 15 May

- Real Estate Capital = SR 240,000- Financing / Lending = SR 113,250- Cooperative Business kicking off- By end May 2013, 1 unit will be fully paid … only 3 more to go.- By May 2014, 4 units RFO – Ready for Occupancy.

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Where am I ? Where am I ? Where do I want to Where do I want to go ?go ?

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Security FreedomPoor Rich

Active IncomePassive income

No Work No Pay

No Work Yet Paid

Less free time More free time

? !

What you THINK … is What What you THINK … is What you BECOME !!!you BECOME !!!

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A thought leads to IdeasA thought leads to Ideas Idea’s leads to OptionsIdea’s leads to Options Options leads to DecisionsOptions leads to Decisions Decisions leads to ActionsDecisions leads to Actions Actions leads to HabitsActions leads to Habits Habits leads to CharacterHabits leads to Character Character leads to DestinyCharacter leads to Destiny Destiny leads to your Reality …Destiny leads to your Reality …

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Command those who are rich in this Command those who are rich in this present world not to be arrogant nor present world not to be arrogant nor to put their hope in wealth, which is to put their hope in wealth, which is so uncertain, but to put their hope so uncertain, but to put their hope in God, who richly provides us with in God, who richly provides us with everything for our enjoyment.everything for our enjoyment.

1 Timothy 6:171 Timothy 6:17

Let us Pray ?

Let us Pray ?

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