As we approach the new year 2011, it is time to reflect once again what the year has been to us.
If you are the type of person who writes goals every new year, take stock of the previous year, jot down which goal was achieved and which task was unmet.
Write your new goals for the new year and include the failed goals during the past year.
It is easy to write down goals. The problem is implementing it.
The solution is to remind ourselves regularly about our goals. Only then we can gauge our seriousness with each and every goal.
God does not expect us to be successful... only faithful.
In the same manner, if we set personal goals, we have to be faithful to what we set out to accomplish.
For whatever action we take, it will determine our direction. And when we know where to go, it will lead us to our destination.
Monday, December 27, 2010
Friday, December 10, 2010
Wednesday, December 1, 2010
Psalm 51
Is man basically good or evil?
1 Have mercy on me, O God,
according to your unfailing love;
according to your great compassion
blot out my transgressions.
2 Wash away all my iniquity
and cleanse me from my sin.
3 For I know my transgressions,
and my sin is always before me.
4 Against you, you only, have I sinned
and done what is evil in your sight;
so you are right in your verdict
and justified when you judge.
5 Surely I was sinful at birth,
sinful from the time my mother conceived me.
6 Yet you desired faithfulness even in the womb;
you taught me wisdom in that secret place.
7 Cleanse me with hyssop, and I will be clean;
wash me, and I will be whiter than snow.
8 Let me hear joy and gladness;
let the bones you have crushed rejoice.
9 Hide your face from my sins
and blot out all my iniquity.
10 Create in me a pure heart, O God,
and renew a steadfast spirit within me.
11 Do not cast me from your presence
or take your Holy Spirit from me.
12 Restore to me the joy of your salvation
and grant me a willing spirit, to sustain me.
13 Then I will teach transgressors your ways,
so that sinners will turn back to you.
14 Deliver me from the guilt of bloodshed, O God,
you who are God my Savior,
and my tongue will sing of your righteousness.
15 Open my lips, Lord,
and my mouth will declare your praise.
16 You do not delight in sacrifice, or I would bring it;
you do not take pleasure in burnt offerings.
17 My sacrifice, O God, is[b] a broken spirit;
a broken and contrite heart
you, God, will not despise.
18 May it please you to prosper Zion,
to build up the walls of Jerusalem.
19 Then you will delight in the sacrifices of the righteous,
in burnt offerings offered whole;
then bulls will be offered on your altar.
Psalm 51 (New International Version, ©2010)
Psalm 51
Psalm 51[a]
For the director of music. A psalm of David. When the prophet Nathan came to him after David had committed adultery with Bathsheba.1 Have mercy on me, O God,
according to your unfailing love;
according to your great compassion
blot out my transgressions.
2 Wash away all my iniquity
and cleanse me from my sin.
3 For I know my transgressions,
and my sin is always before me.
4 Against you, you only, have I sinned
and done what is evil in your sight;
so you are right in your verdict
and justified when you judge.
5 Surely I was sinful at birth,
sinful from the time my mother conceived me.
6 Yet you desired faithfulness even in the womb;
you taught me wisdom in that secret place.
7 Cleanse me with hyssop, and I will be clean;
wash me, and I will be whiter than snow.
8 Let me hear joy and gladness;
let the bones you have crushed rejoice.
9 Hide your face from my sins
and blot out all my iniquity.
10 Create in me a pure heart, O God,
and renew a steadfast spirit within me.
11 Do not cast me from your presence
or take your Holy Spirit from me.
12 Restore to me the joy of your salvation
and grant me a willing spirit, to sustain me.
13 Then I will teach transgressors your ways,
so that sinners will turn back to you.
14 Deliver me from the guilt of bloodshed, O God,
you who are God my Savior,
and my tongue will sing of your righteousness.
15 Open my lips, Lord,
and my mouth will declare your praise.
16 You do not delight in sacrifice, or I would bring it;
you do not take pleasure in burnt offerings.
17 My sacrifice, O God, is[b] a broken spirit;
a broken and contrite heart
you, God, will not despise.
18 May it please you to prosper Zion,
to build up the walls of Jerusalem.
19 Then you will delight in the sacrifices of the righteous,
in burnt offerings offered whole;
then bulls will be offered on your altar.
Tuesday, November 30, 2010
Basking in the Sun
I love the morning sun and stand up for minutes, not hours. I know it's healthy, this bathing in the sun. It's vitamin D. good for the health. I read somewhere that lots of Vitamin D in the body will prevent you from having cancer.
Yes, it kills cancer cells.
And not only that. Basking in the sun helps you have a positive outlook in life. A positive mindset to start the day will more or less end your day on a positive note.
Lastly, the sunlight will also help you lose some excess pounds. Of course, it doesn't stop there. After sweating in the morning heat, you have to do your part to shed that cellulites. Do some cardio and weights.
This is part of my biggest loser program.
That's the way to do it boy.
At your own pace but with some discipline.
That's more like it.
Yes, it kills cancer cells.
And not only that. Basking in the sun helps you have a positive outlook in life. A positive mindset to start the day will more or less end your day on a positive note.
Lastly, the sunlight will also help you lose some excess pounds. Of course, it doesn't stop there. After sweating in the morning heat, you have to do your part to shed that cellulites. Do some cardio and weights.
This is part of my biggest loser program.
That's the way to do it boy.
At your own pace but with some discipline.
That's more like it.
Friday, November 26, 2010
The Pacquiao Effect
As of this writing, there is a study being made to determine the Pacquiao effect on Filipinos. It hopes to link Pacquiao to the Filipinos' sense of pride or nationalism or something to that effect.
I remember when Michael Jordan was in his prime. He was the cover story once in a business magazine. The magazine analyzes Jordan's impact on the US economy hence the cover title, The Jordan Effect. Jordan at that time was nearing retirement but was obviously still in his prime. The magazine concluded that the Jordan effect pumps $10 Billion on the economy and still counting.
Now going back to the PH setting mode. Can the same effect be said on Manny Pacquiao?
For sure, Pacquiao's effect on the country is more cultural than economical. Cultural, in the sense that whenever Pacquiao has a fight, the crime rate in the whole country posted an almost zero crime rate. Other aspects make all Filipinos proud, wherever they are, here or abroad. More so, now that Pacquiao is a global sports icon. Therefore, his following is not limited locally.
Pinoys love the rags to riches story and the underdog tag and Pacquiao can claim both labels having come from humble beginnings.
I cannot quantify Pacquiao's effect on the economy but I'm sure it's a lot. Just to cite for instance, most moviehouses feature Pacquiao's fight and when people go to watch his fight live in cinemas, after watching, they would surely eat and drink and go malling after. Also, now that Pacquiao is a congressman, a hospital will soon be built in his district, Sarangani.
Pacquiao is a hero. A one of a kind sports icon that the country had. There have been many great athletes before him who have also brought glory and honor to the country but none can equal what Pacquiao did for the country and his impact globally as a Filipino.
I am glad I live to see the day, to witness Pacquiao in his prime.
I remember when Michael Jordan was in his prime. He was the cover story once in a business magazine. The magazine analyzes Jordan's impact on the US economy hence the cover title, The Jordan Effect. Jordan at that time was nearing retirement but was obviously still in his prime. The magazine concluded that the Jordan effect pumps $10 Billion on the economy and still counting.
Now going back to the PH setting mode. Can the same effect be said on Manny Pacquiao?
For sure, Pacquiao's effect on the country is more cultural than economical. Cultural, in the sense that whenever Pacquiao has a fight, the crime rate in the whole country posted an almost zero crime rate. Other aspects make all Filipinos proud, wherever they are, here or abroad. More so, now that Pacquiao is a global sports icon. Therefore, his following is not limited locally.
Pinoys love the rags to riches story and the underdog tag and Pacquiao can claim both labels having come from humble beginnings.
I cannot quantify Pacquiao's effect on the economy but I'm sure it's a lot. Just to cite for instance, most moviehouses feature Pacquiao's fight and when people go to watch his fight live in cinemas, after watching, they would surely eat and drink and go malling after. Also, now that Pacquiao is a congressman, a hospital will soon be built in his district, Sarangani.
Pacquiao is a hero. A one of a kind sports icon that the country had. There have been many great athletes before him who have also brought glory and honor to the country but none can equal what Pacquiao did for the country and his impact globally as a Filipino.
I am glad I live to see the day, to witness Pacquiao in his prime.
Diet and Exercise
Diet and Exercise. Ideally, they should go together. It is so difficult if you will try to lose weight by diet alone. The same with exercise.
And it has to be a habit, a healthy lifestyle.
This is the antidote to diabetes.
Here's my own "Biggest Loser" program:
1. No rice.
2. Burn at least 100 calories a day.
3. Drink plenty of water.
4. Eat lots of fiber and oats.
5. Drink hot tea.
6. Drink pineapple juice.
7. Eat fruits.
8. Eat veggies.
In everything, moderation is the key.
And it has to be a habit, a healthy lifestyle.
This is the antidote to diabetes.
Here's my own "Biggest Loser" program:
1. No rice.
2. Burn at least 100 calories a day.
3. Drink plenty of water.
4. Eat lots of fiber and oats.
5. Drink hot tea.
6. Drink pineapple juice.
7. Eat fruits.
8. Eat veggies.
In everything, moderation is the key.
Wednesday, November 24, 2010
Women
Women! What do they want?, asked the eminent psychologist William James.
Since time immemorial, women have had great impact in the lives of men. The world is full of histories depicting women as the great influencer. Even wars were fought over a woman and that's the only time, a war was borne out because of the goddess, Helen of Troy.
John Lennon, in his beautiful song, Woman, expressed his thankfulness for this woman's impact in his life. But here's the drawback. Indeed, because of Yoko Ono, the Beatles disbanded.
The danger with some women is they tend to control the lives of some men. And when men become victims, life takes a beating at the man's expense.
I, myself, was not spared from this deception.
Since time immemorial, women have had great impact in the lives of men. The world is full of histories depicting women as the great influencer. Even wars were fought over a woman and that's the only time, a war was borne out because of the goddess, Helen of Troy.
John Lennon, in his beautiful song, Woman, expressed his thankfulness for this woman's impact in his life. But here's the drawback. Indeed, because of Yoko Ono, the Beatles disbanded.
The danger with some women is they tend to control the lives of some men. And when men become victims, life takes a beating at the man's expense.
I, myself, was not spared from this deception.
Thursday, November 18, 2010
Customer Service
How many of you have experienced frustration and helplessness because of the bad service or indifference given by most companies here in the Philippines?
A good customer service is anticipating the client's needs even before the client asks for that service or product. The key is anticipation.
But despite the many seminars given by companies, in spite of the country's reputation for being warm and hospitable, when it comes to delivery of good customer service or product, except for big companies, that do not only invest in training but in hiring good people, many customers are still being shortchanged and feel that they had received the end of the bargain.
Most common of them all are broken promises, letting customers wait perpetually, ignoring customer's complaints and even to the extent of threatening customers of penalties, downgrading of services and even the threat of legal action, only show that this country has a long way to go in professionalizing its people in the service industry.
No need to name these companies.
You just have to look around. They're everywhere.
A good customer service is anticipating the client's needs even before the client asks for that service or product. The key is anticipation.
But despite the many seminars given by companies, in spite of the country's reputation for being warm and hospitable, when it comes to delivery of good customer service or product, except for big companies, that do not only invest in training but in hiring good people, many customers are still being shortchanged and feel that they had received the end of the bargain.
Most common of them all are broken promises, letting customers wait perpetually, ignoring customer's complaints and even to the extent of threatening customers of penalties, downgrading of services and even the threat of legal action, only show that this country has a long way to go in professionalizing its people in the service industry.
No need to name these companies.
You just have to look around. They're everywhere.
Tuesday, November 9, 2010
Marketing Lessons
For the most part of my career, Marketing has been my bread and butter. And through the years, it has been a hit and miss approach. As the saying goes, you win some, you lose some.
Here are some marketing lessons I learned from experience and tips I would like to share for those who are into the business of selling their products and services, whether you are employed or a business owner:
1. There is power in prayer.
Do not underestimate the power of prayer. Keep the faith. Do not forget the Lord (Deuteronomy 8:18) and you will be blessed. Tithe. But tithe because you love the Lord. Do not tithe because you expect something in return.
2. Brand name is key.
Selling a known brand takes away the burden of convincing your clients. If you're selling ALI properties (real estate), PAMI managed funds (mutual funds), insurance products by Chartis Philippines, it relieves you of the extra work that you need to do to sell the company to the client. The battle is halfway done when the client is already sold on the company you represent.
3. Referrals will save your business.
Whether you're into network marketing or not, much of your sales will rely on referrals. Referrals can come in many forms: word-of-mouth (if they like your service or product), within sphere of influence of your client (who has good referrals), and even from your own network or circle of friends, family, business partners, associates, colleagues.
4. You can market on a shoestring budget.
In my more than 30 years' experience in marketing and selling all sorts of products - from real estate, insurance, mutual funds, foods, books, and other knick knacks that are worthy of garage sale, I did not spend a fortune especially when I went on my own, that is, from corporate employment to being self-employed.
Thank God for the internet. Before social networking sites were born or became the "in" thing these days as I write this, I relied heavily on email marketing, forums and free online ad sites. Then came social networking sites like Multiply, Friendster, Facebook, Twitter etc. and a host of blogging sites and the world of marketing was never the same again, and I meant for the better.
5. Marketing is action.
If you have innovative marketing ideas and your thinking is out-of-the-box, it will not be evident if you will not put it into action. So whether you have ordinary or different ideas, the thing is you have to act on it. And the sooner you implement it, then the results curve will be shorter.
Here are some marketing lessons I learned from experience and tips I would like to share for those who are into the business of selling their products and services, whether you are employed or a business owner:
1. There is power in prayer.
Do not underestimate the power of prayer. Keep the faith. Do not forget the Lord (Deuteronomy 8:18) and you will be blessed. Tithe. But tithe because you love the Lord. Do not tithe because you expect something in return.
2. Brand name is key.
Selling a known brand takes away the burden of convincing your clients. If you're selling ALI properties (real estate), PAMI managed funds (mutual funds), insurance products by Chartis Philippines, it relieves you of the extra work that you need to do to sell the company to the client. The battle is halfway done when the client is already sold on the company you represent.
3. Referrals will save your business.
Whether you're into network marketing or not, much of your sales will rely on referrals. Referrals can come in many forms: word-of-mouth (if they like your service or product), within sphere of influence of your client (who has good referrals), and even from your own network or circle of friends, family, business partners, associates, colleagues.
4. You can market on a shoestring budget.
In my more than 30 years' experience in marketing and selling all sorts of products - from real estate, insurance, mutual funds, foods, books, and other knick knacks that are worthy of garage sale, I did not spend a fortune especially when I went on my own, that is, from corporate employment to being self-employed.
Thank God for the internet. Before social networking sites were born or became the "in" thing these days as I write this, I relied heavily on email marketing, forums and free online ad sites. Then came social networking sites like Multiply, Friendster, Facebook, Twitter etc. and a host of blogging sites and the world of marketing was never the same again, and I meant for the better.
5. Marketing is action.
If you have innovative marketing ideas and your thinking is out-of-the-box, it will not be evident if you will not put it into action. So whether you have ordinary or different ideas, the thing is you have to act on it. And the sooner you implement it, then the results curve will be shorter.
Sunday, October 31, 2010
Praying for the Dead
Today is All Saints' Day and I remember our dead - our departed loved ones beginning with my lolo, lola, nay, tatay, tito v, tito d, tita c, tito r, tita e, tito p, and the rest of our departed relatives.
This morning, we lighted exactly 10 candles as our way of remembering them.
But I stopped short of praying for them. No disrespect to them but praying for them won't change where they are right now or where they will be.
Each of us has to stand before our Lord and Maker based on the life we live. It is not like we can live a holy or bad life and then at the point of our death, somebody will intercede for us, and God will forget everything and grant them entry in our behalf just because we prayed for them.
I hope people will realize this truth.
Just like when I delivered my eulogy in my father's wake: I said something like this: We cannot choose how we are going to die, but we can choose how we are going to live.
God will evaluate how we lived our life before He decides our fate or destiny.
May God help each one of us to go where we want to go.
This morning, we lighted exactly 10 candles as our way of remembering them.
But I stopped short of praying for them. No disrespect to them but praying for them won't change where they are right now or where they will be.
Each of us has to stand before our Lord and Maker based on the life we live. It is not like we can live a holy or bad life and then at the point of our death, somebody will intercede for us, and God will forget everything and grant them entry in our behalf just because we prayed for them.
I hope people will realize this truth.
Just like when I delivered my eulogy in my father's wake: I said something like this: We cannot choose how we are going to die, but we can choose how we are going to live.
God will evaluate how we lived our life before He decides our fate or destiny.
May God help each one of us to go where we want to go.
If I win the Lotto
Tomorrow, the grand lotto is expected to grow up to the pot of P286 Million, the biggest by far in the history of the lotto betting in the country.
It has been 2 decades I believe since lotto became a traditional pastime in the country, offering hope to millions of Filipinos to achieve their dreams and escaping from their problems just by betting on 6 random numbers as a ticket to their fantasies or dreams.
I gathered that winning in lotto had created numerous millionaires in the country. Problem is, just how many, are able to sustain their prize money in the long term. The usual pattern is that after some of these people hit the jackpot, they will spend like there's no tomorrow, give dole outs to everyone who approached them, and indulge in their wants and pleasures like they've never had before. This is not surprising actually. I would have done the same if I am a mere plain happy go lucky guy. But I'm grateful that I'm not.
Having seen the pattern of most of my countrymen when they win the grand prize, I now have a lesson to learn from other people's experiences and apply it in my case, if in case, I'll be fortunate enough to win the grand prize.
Suffice it to say that if I win the grand prize, I will devote my money into the following:
10% of the winnable amount will be given back to God as a form of tithing.
30% will be invested in mutual funds, stocks, and other investment vehicles.
30% will be spent to create a business or buy a franchise (depends on the pot) so that sources of income will be regular and you contribute to the economy by creating jobs etc.
10% will be used to donate and help people in need including relatives, neighbors, friends and people in need.
10% will be spent to buy additional properties and vehicles for security and partly for leisure and travel.
10% will form the liquid money and stored in the bank for the daily expenses.
Ok. so much for dreaming. I pray that I win the lotto while I can still enjoy it.
It has been 2 decades I believe since lotto became a traditional pastime in the country, offering hope to millions of Filipinos to achieve their dreams and escaping from their problems just by betting on 6 random numbers as a ticket to their fantasies or dreams.
I gathered that winning in lotto had created numerous millionaires in the country. Problem is, just how many, are able to sustain their prize money in the long term. The usual pattern is that after some of these people hit the jackpot, they will spend like there's no tomorrow, give dole outs to everyone who approached them, and indulge in their wants and pleasures like they've never had before. This is not surprising actually. I would have done the same if I am a mere plain happy go lucky guy. But I'm grateful that I'm not.
Having seen the pattern of most of my countrymen when they win the grand prize, I now have a lesson to learn from other people's experiences and apply it in my case, if in case, I'll be fortunate enough to win the grand prize.
Suffice it to say that if I win the grand prize, I will devote my money into the following:
10% of the winnable amount will be given back to God as a form of tithing.
30% will be invested in mutual funds, stocks, and other investment vehicles.
30% will be spent to create a business or buy a franchise (depends on the pot) so that sources of income will be regular and you contribute to the economy by creating jobs etc.
10% will be used to donate and help people in need including relatives, neighbors, friends and people in need.
10% will be spent to buy additional properties and vehicles for security and partly for leisure and travel.
10% will form the liquid money and stored in the bank for the daily expenses.
Ok. so much for dreaming. I pray that I win the lotto while I can still enjoy it.
Saturday, October 30, 2010
Mr. Mang Inasal
| ||
| Who is Injap? By now, the whole Philippines is getting to know the owner of this fast-growing Mang Inasal food chain –Edgar “Injap” Sia- who just sold 70 percent of his business to Jollibee for a whopping three billion pesos. The first time I met Injap was in 2008 in Iloilo. The Go Negosyo Caravan awarded him as one of the Most Inspiring Ilonggo Entrepreneurs. At that time, there were just more or less a hundred branches of Mang Inasal. Now, there are 300 stores. Injap’s story is really something. It can serve as an inspiration to a lot of young kids who are aspiring to start their own businesses. It was a husband and wife team, with the help of his parents, some capital and finding the right Inasal formula in his house. He almost gave up a number of times but he was determined to succeed. He mentioned to me that he wanted to be the first Inasal fast food chain, as most of the food stores that offered Inasal were restaurants. Both his parents live a simple life. They own a local supermarket in Iloilo. Last Thursday at the Ernst and Young Entrepreneur of the Year awarding ceremonies, I was the one who presented his award for the Small Entrepreneur category. As I awarded him, I kidded Injap that the category was not suitable for him anymore. I mentioned that my estimate of his market cap will be close to five billion pesos. As days passed following the Ernst & Young Awards, after a day-long negotiation, the deal was closed. As the reports came out, the price is P3 Billion pesos for the 70 percent of the business. It’s coming out to be close to nine times EBITDA or what we refer to as cash flow income, and about two times sales. In a conversation with him, I extended my congratulations. He said that while he had a difficult time in deciding, he felt that this was the best for Mang Inasal and the price is good. Well, ‘good’ is definitely an understatement. It is more than a great price. I told him that when I had to make the decision to sell Cosmos for close to 15 billion, the sales multiple was about the same. More or less, we both had the same high valuation. Jollibee and Coke had to do what they had to do to protect their business from fast growing competition. I consider both situations as perfect situations. It was also a strategic buy for both deals. I guess, Jollibee would want to have a quick offering in the fast-emerging Inasal segment, just like Coke had to have a price-brand Pop Cola. In the end, it’s a win-win situation for both the buying and selling companies. Actually, with this acquisition, Jollibee share prices soared from the 70's level to 97, and maybe even touch the 100 pesos mark, which further pushed up its market cap and in then end could more-than-cover for the price it paid Mang Inasal. What happened to Injap does not just happen every day. Some people may call it luck. I would call it a blessing and right timing. It is difficult to always make that decision whether to sell or not to sell. It took Injap only seven years to achieve a 4.5 billion market cap valuation. In our case in Cosmos, it took us 13 years to achieve 15 billion valuation. But in both cases, Jollibee and Coke knew that the competition was getting stronger and that they had to make the right decision at the right time to manage competition. Injap is only 32 today. I was 42 when I sold cosmos. He is now a young billionaire and has a long way to go, as the entrepreneurship qualities will always be with him. Injap is a Go Negosyo trustee. He continuously commits to support the advocacy, as he has been able to achieve his dreams. OTHERS MAY KEEP CALLING IT LUCK. BUT, I WOULD RATHER SAY THAT THE ACHIEVEMENTS OF INJAP ARE THE RESULT OF FINDING THE RIGHT MODEL, HAVING THE RIGHT ATTITUDE AND SKILL TO EXECUTE WELL. WE COULD SAY THAT THE CONFLUENCE OF ALL THESE, HAPPENING AT THE RIGHT TIME CAN BE LUCK. BUT, WITHOUT ALL THE EFFORTS, INITIATIVES AND HARD WORK, LUCK WILL NEVER EXIST. Those who have experienced success in life now want to share with others how to achieve it. While some may envy others who have been successful, they should turn this negative emotion into inspiration. Injap’s story reminds me of the many stories I keep encountering in our Go Negosyo advocacy. It reminds me of what I have experienced. As I see others go through the same experience, I also get inspired and feel happy for entrepreneurs who make it and who now want to see others make it. Many will not be as fortunate as Injap, but one will never know if he or she won't even try. Congratulations to Mr. Mang Inasal. More than the monetary reward, the best part is that a young man from the province of Iloilo has succeeded. Hopefully, this story will inspire more young kids out there. Dreams do become reality. You just have to want it and go for it. |
Christ's Commission Fellowship � GOD’S WAY TO HEAVEN
Christ's Commission Fellowship � GOD’S WAY TO HEAVEN
I. GOD LOVES YOU and desires that you:
1. Have eternal life with Him.
For God so loved the world, that He gave His only begotten Son, that whoever believes in Him should not perish, but have eternal life.
John 3:16
2. Have an abundant and meaningful life.
Jesus said, ‘… I came that they might have life, and have it abundantly.’
John 10:10
For God so loved the world, that He gave His only begotten Son, that whoever believes in Him should not perish, but have eternal life.
John 3:16
2. Have an abundant and meaningful life.
Jesus said, ‘… I came that they might have life, and have it abundantly.’
John 10:10
But most people aren’t experiencing a meaningful life and aren’t sure that they have eternal life because…
II. Man has a SIN problem that SEPARATES him from GOD.
1. Everyone has sinned.
… For all have sinned and fall short of the glory of God….
Romans 3:23 (also ESV, NIV)
2. The penalty for sin is DEATH.
For the wages of sin is death….
Romans 6:23 (also ESV, NIV)
… For all have sinned and fall short of the glory of God….
Romans 3:23 (also ESV, NIV)
2. The penalty for sin is DEATH.
For the wages of sin is death….
Romans 6:23 (also ESV, NIV)
The Bible talks about two kinds of death. The first death is physical. The second death is spiritual or eternal separation from God.
But for the cowardly and unbelieving and abominable and murderers and immoral persons and sorcerers and idolaters and all liars, their part will be in the lake that burns with fire and brimstone, which is the Second Death.
Revelation 21:8
But for the cowardly and unbelieving and abominable and murderers and immoral persons and sorcerers and idolaters and all liars, their part will be in the lake that burns with fire and brimstone, which is the Second Death.
Revelation 21:8
Because sin separates man from God, what is the solution to his problem?
III. JESUS CHRIST is God’s ONLY way to heaven.
1. He is the ONLY way.
Jesus said… ‘I am the way, and the truth, and the life; no one comes to the Father, but through Me.’
John 14:6
2. He COMPLETELY PAID the penalty of your sins.
For Christ also died for sins once for all, the just for the unjust, in order that He might bring us to God….
1 Peter 3:18
3. His resurrection proves that He is the Son of God, the Messiah, the only Savior.
… Concerning His Son, who was born of a descendant of David according to the flesh, who was declared the Son of God with power by the resurrection from the dead, according to the Spirit of holiness, Jesus Christ our Lord….
Romans 1:3-4
4. He promises Eternal Life.
Jesus said … ‘I am the resurrection and the life; he who believes in Me shall live even if he dies, and everyone who lives and believes in Me shall never die….’
John 11:25-26
Jesus said… ‘I am the way, and the truth, and the life; no one comes to the Father, but through Me.’
John 14:6
2. He COMPLETELY PAID the penalty of your sins.
For Christ also died for sins once for all, the just for the unjust, in order that He might bring us to God….
1 Peter 3:18
3. His resurrection proves that He is the Son of God, the Messiah, the only Savior.
… Concerning His Son, who was born of a descendant of David according to the flesh, who was declared the Son of God with power by the resurrection from the dead, according to the Spirit of holiness, Jesus Christ our Lord….
Romans 1:3-4
4. He promises Eternal Life.
Jesus said … ‘I am the resurrection and the life; he who believes in Me shall live even if he dies, and everyone who lives and believes in Me shall never die….’
John 11:25-26
However, merely knowing what Jesus Christ has done for us is not enough.
IV. We must place our FAITH IN JESUS CHRIST to save us.
1. You are saved by God’s grace through faith in Jesus Christ.
For it is by grace you have been saved, through faith – and this is not from yourselves, it is the GIFT OF GOD – not by works, so that no one can boast.
Ephesians 2:8-9 (NIV)
For it is by grace you have been saved, through faith – and this is not from yourselves, it is the GIFT OF GOD – not by works, so that no one can boast.
Ephesians 2:8-9 (NIV)
To be saved by faith means to TRUST IN JESUS CHRIST ALONE to save you. Good works are not the means to salvation; rather, they are the byproducts or evidence of your salvation.
2. Show your faith in Jesus Christ by accepting His gift of eternal life.
[Jesus says,] ‘Behold, I stand at the door and knock; if anyone hears My voice and opens the door, I will come in to him and will dine with him, and he with Me.’
Revelation 3:20
[Jesus says,] ‘Behold, I stand at the door and knock; if anyone hears My voice and opens the door, I will come in to him and will dine with him, and he with Me.’
Revelation 3:20
Jesus says that He will come into your heart if you invite Him in. That is His promise to you, and He will always keep His promise!
3. Prove the sincerity of your faith by turning away from a life of sin.
I preached that they should repent and turn to God and prove their repentance by their deeds. A person who genuinely asks for forgiveness will seek to change his ways.
Acts 26:20 (NIV)
I preached that they should repent and turn to God and prove their repentance by their deeds. A person who genuinely asks for forgiveness will seek to change his ways.
Acts 26:20 (NIV)
God knows we are not perfect, but the sincerity of our faith will move us to live lives that show our gratitude to God for His free gift of heaven.
You can pray this simple prayer to express your faith in Jesus Christ and to receive Him into your heart as your Lord and Savior. You only have to pray this prayer once, but with sincerity, because when He enters your life, he will never leave you.
PRAYER: Lord Jesus, I need You. I confess that I am a sinner. I believe that you died on the cross to pay for all my sins. With your help, I will turn away from all my sins. Please come into my life and be my Lord and Savior. I accept your free gift of eternal life. Make me the kind of person you want me to be. Thank you for coming into my life and giving me eternal life. Amen.
Friday, October 29, 2010
BGEA: Looking for Answers: Halloween
BGEA: Looking for Answers: Halloween
Should Christians Celebrate Halloween?
October 29, 2010 - We receive thousands of spiritual questions from people around the world. People in our Christian Guidance Department who are trained advisers and pastors respond to these queries in letters, calls and online. This timely question relates to Halloween.
Q: I have mixed feelings about how our family should be involved in Halloween. What should I do?
A: People come to different conclusions about celebrating Halloween, particularly if they have young children or grandchildren to consider.
For some people this holiday is a time for dress-up and candy; it is an opportunity for fun. Others express concern for their child's safety or for the emphasis that is often made on violence or horror at this time of year.
Those who are interested in the right or wrong of the celebration may look at the holiday's origin in the occult and believe it should not be celebrated at all; they are aware that some groups celebrate Halloween as a tribute to Satan.
On the other hand, others recognize that Halloween, the eve of "All Saints' Day" (November 1), is also associated with Martin Luther and the Reformation. They celebrate the religious freedoms won at that time in history. Since each of these perspectives contain truth, it is difficult to know how to respond.
We encourage each family to develop their own approach to Halloween based on their own convictions and the options for celebration available to them. The responsibility to make this decision rests on the adults in the family, not the children. The peer pressure on children is far too great for them to be objective. Certainly, providing a safe, fun environment must be a priority.
Some parents adapt the traditional Halloween practices, while others develop totally different alternatives. These alternatives may include fall festival parties where children are encouraged to dress in a particular theme such as positive cartoon or book characters, famous historical characters, or Bible heroes.
Carrying out that theme with simple acting can be great fun and an opportunity for teaching values as well. Children will always be attracted to costumes and treats; finding positive ways to enjoy these pleasures is the primary challenge for caring adults.
If you decide to make a major change in the way your family celebrates Halloween, you may not need to do all the work yourself. We would encourage you to contact churches in your area to determine what activities are being planned.
Rather than separate completely from the night's activities, some Christians give gospel tracts along with treats to children who come to their homes and make Halloween an opportunity to witness for Christ. Others offer safe places for lighthearted fun.
For some people this holiday is a time for dress-up and candy; it is an opportunity for fun. Others express concern for their child's safety or for the emphasis that is often made on violence or horror at this time of year.
Those who are interested in the right or wrong of the celebration may look at the holiday's origin in the occult and believe it should not be celebrated at all; they are aware that some groups celebrate Halloween as a tribute to Satan.
On the other hand, others recognize that Halloween, the eve of "All Saints' Day" (November 1), is also associated with Martin Luther and the Reformation. They celebrate the religious freedoms won at that time in history. Since each of these perspectives contain truth, it is difficult to know how to respond.
We encourage each family to develop their own approach to Halloween based on their own convictions and the options for celebration available to them. The responsibility to make this decision rests on the adults in the family, not the children. The peer pressure on children is far too great for them to be objective. Certainly, providing a safe, fun environment must be a priority.
Some parents adapt the traditional Halloween practices, while others develop totally different alternatives. These alternatives may include fall festival parties where children are encouraged to dress in a particular theme such as positive cartoon or book characters, famous historical characters, or Bible heroes.
Carrying out that theme with simple acting can be great fun and an opportunity for teaching values as well. Children will always be attracted to costumes and treats; finding positive ways to enjoy these pleasures is the primary challenge for caring adults.
If you decide to make a major change in the way your family celebrates Halloween, you may not need to do all the work yourself. We would encourage you to contact churches in your area to determine what activities are being planned.
Rather than separate completely from the night's activities, some Christians give gospel tracts along with treats to children who come to their homes and make Halloween an opportunity to witness for Christ. Others offer safe places for lighthearted fun.
Sunday, October 24, 2010
Like a thief in the night
It came like a thief in the night. Just like Jesus, who warned of the end of the world in the coming days, death is something like a thief in the night.
You never know when your time will come.
You always thought that you are still young, alive and full of energy, but you're not even sure what tomorrow will bring. Your life can be taken just like that.
Indeed, life is short. As Billy Graham would say, the greatest surprise of his life was to discover the brevity of life.
Now, I am writing this piece because of a neighbor who just died. You wouldn't have any inkling that his days are numbered. I even get to talk to him lately because he has a store and this neighbor supplies our daily newspaper. I heard that he had an aneurysm attack where the artery in his brain ruptured. I heard that it will cost a million to operate on him and since it costs a fortune, his family decided to transfer him to a less expensive but adequate hospital. Two days passed and we thought that he will recover. But just this morning, I heard that this neighbor expired.
Which led me to think and reflect again on the brevity of life and with the way death can come to you without giving you any clue at all.
No one knows the day or the hour as Jesus claimed in the Bible. Sometimes, I interpret this to mean as death and not necessarily as the end of the world. But this is not to say that I don't believe in the Second Coming.
My point is this: whether it's the Second Coming or death, each one of us have to be prepared.
So, are you ready?
You never know when your time will come.
You always thought that you are still young, alive and full of energy, but you're not even sure what tomorrow will bring. Your life can be taken just like that.
Indeed, life is short. As Billy Graham would say, the greatest surprise of his life was to discover the brevity of life.
Now, I am writing this piece because of a neighbor who just died. You wouldn't have any inkling that his days are numbered. I even get to talk to him lately because he has a store and this neighbor supplies our daily newspaper. I heard that he had an aneurysm attack where the artery in his brain ruptured. I heard that it will cost a million to operate on him and since it costs a fortune, his family decided to transfer him to a less expensive but adequate hospital. Two days passed and we thought that he will recover. But just this morning, I heard that this neighbor expired.
Which led me to think and reflect again on the brevity of life and with the way death can come to you without giving you any clue at all.
No one knows the day or the hour as Jesus claimed in the Bible. Sometimes, I interpret this to mean as death and not necessarily as the end of the world. But this is not to say that I don't believe in the Second Coming.
My point is this: whether it's the Second Coming or death, each one of us have to be prepared.
So, are you ready?
The Ideal Marketing Guy
Read from a daily article a few years ago about the 6 criteria of an ideal Marketing Man.
These are:
1. Professionalism
2. Passion
3. Perseverance
4. Problem-Solving Skills
5. Participative and People-Oriented
6. Persuasive
I would have been perfect as a marketing guy if I possess the above qualities. What more, if I have all those qualities, it wouldn't be a surprise if I'm always at the top.
I guess I would say I would say I'm a little bit of everything that's why I can't say I'm a failure. And a success? Maybe I would wait at the end of my career how I would judge my career based on the outcome.
But for now, I am happy with my marketing style. And I believe that I have marketed myself well.
Friends and clients reach out to me for their real estate, investments (mutual funds), insurance (travel insurance, home and auto insurance) needs. I even have food business on the side and I'm also known to a few for selling yummy goodies that are ready to eat.
To some people, I am their real estate broker.
To others, I am their financial adviser, fund manager, investment solicitor of mutual funds.
People also see me as their travel insurance agent.
While others buy their favorite food from me.
Thus, marketing myself as a cross-seller guy has been effective so far. At least, it gives me multiple sources of income. That way, when one area is not doing well, I can depend on other sources when it is doing good.
Did it ever happen that all are not doing well? By God's grace, not yet.
Grace because inasmuch as I do my part to market myself and my product, I depend on God to bring to me clients who have a need for the products I sell.
And you are more effective as a Marketing guy if you would render a good service to each and every client that goes to you.
And so, a good product combined with a good service and a little bit of everything from the qualities mentioned above and with the help from the Lord will sustain your business for as long as you are in the marketing business.
That to me is the ideal marketing person.
These are:
1. Professionalism
2. Passion
3. Perseverance
4. Problem-Solving Skills
5. Participative and People-Oriented
6. Persuasive
I would have been perfect as a marketing guy if I possess the above qualities. What more, if I have all those qualities, it wouldn't be a surprise if I'm always at the top.
I guess I would say I would say I'm a little bit of everything that's why I can't say I'm a failure. And a success? Maybe I would wait at the end of my career how I would judge my career based on the outcome.
But for now, I am happy with my marketing style. And I believe that I have marketed myself well.
Friends and clients reach out to me for their real estate, investments (mutual funds), insurance (travel insurance, home and auto insurance) needs. I even have food business on the side and I'm also known to a few for selling yummy goodies that are ready to eat.
To some people, I am their real estate broker.
To others, I am their financial adviser, fund manager, investment solicitor of mutual funds.
People also see me as their travel insurance agent.
While others buy their favorite food from me.
Thus, marketing myself as a cross-seller guy has been effective so far. At least, it gives me multiple sources of income. That way, when one area is not doing well, I can depend on other sources when it is doing good.
Did it ever happen that all are not doing well? By God's grace, not yet.
Grace because inasmuch as I do my part to market myself and my product, I depend on God to bring to me clients who have a need for the products I sell.
And you are more effective as a Marketing guy if you would render a good service to each and every client that goes to you.
And so, a good product combined with a good service and a little bit of everything from the qualities mentioned above and with the help from the Lord will sustain your business for as long as you are in the marketing business.
That to me is the ideal marketing person.
Friday, October 22, 2010
Financial Literacy
They say it's expensive to be financially ignorant these days.
You hear of people being exploited, being scammed, being lured into investing their lifetime's savings, only to discover in the end that their money is gone. How sad.
So many unscrupulous individuals preying on a number of hapless victims.
If you can afford it, do not be one of them. Do not bite easily.
It pays to research well. Ask around. There's no harm in trying. Try to find a financial mentor or consultant, someone you can trust your money with. Learn from prudent friends.
Read the business sections even if you don't understand it. When you get the hang of it, your mind will slowly absorb it.
Google it. The internet provides you vast information about investing, anything on financial literature.
The point is this. Do not invest at something that you do not have any inkling at all where your money will go. That's is the height of stupidity.
Be financially literate. Buy books. Attend seminars.
And for a start, you might want to invest conservatively or moderately. Investment can be viewed as calculated gambling or prudent management of your finances.
Read books by Bo Sanchez or Robert Kiyosaki or Donald Trump. These are authorities on the subject.
I got to read some of their books and I highly recommend it.
It pays to learn. And when you are passionate in learning something new, then your mind will never get old.
Learn basic accounting principles if you are not an accountant and business laws if you have the entrepreneurial spirit and if you can afford it. When you are equipped with these knowledge, everything else becomes easier and practical.
You hear of people being exploited, being scammed, being lured into investing their lifetime's savings, only to discover in the end that their money is gone. How sad.
So many unscrupulous individuals preying on a number of hapless victims.
If you can afford it, do not be one of them. Do not bite easily.
It pays to research well. Ask around. There's no harm in trying. Try to find a financial mentor or consultant, someone you can trust your money with. Learn from prudent friends.
Read the business sections even if you don't understand it. When you get the hang of it, your mind will slowly absorb it.
Google it. The internet provides you vast information about investing, anything on financial literature.
The point is this. Do not invest at something that you do not have any inkling at all where your money will go. That's is the height of stupidity.
Be financially literate. Buy books. Attend seminars.
And for a start, you might want to invest conservatively or moderately. Investment can be viewed as calculated gambling or prudent management of your finances.
Read books by Bo Sanchez or Robert Kiyosaki or Donald Trump. These are authorities on the subject.
I got to read some of their books and I highly recommend it.
It pays to learn. And when you are passionate in learning something new, then your mind will never get old.
Learn basic accounting principles if you are not an accountant and business laws if you have the entrepreneurial spirit and if you can afford it. When you are equipped with these knowledge, everything else becomes easier and practical.
Thursday, October 21, 2010
Maid in the Philippines
Pastor Rick Warren once visited the Philippines. He referred to the OFWs as the modern day Joseph.
Joseph, in the Old Testament Bible, is the son of Jacob, who was sold as a slave by his brothers to the home of the Egyptian Pharaoh. By God's plan, he rose eventually to be the Pharaoh's trusted right man, who eventually saved his own family, when drought befell the land.
But I am digressing.
The Philippines, to some nations like Singapore, see us as a nation of people who cleans their toilet. How flattering can that be?
In the US, I heard you do everything on your own. From household chores to everything. That's why, life here in the Philippines is much better because you can afford to hire maids and let them do the nitty gritty household chores.
My mother has been very kind to every househelp who worked and stayed with us that's why my mother is very dear to them. Occasionally, some of them still visits or call or text my mother to catch up on everything that's happening at home.
There was a time that we did not have a maid for months and that forced me to wake up early and do the cooking and the morning preparations. It was a blessing in disguise actually because I learned to cook somehow and became domesticated.
But God is good. There's always the perfect timing.
Now he blessed us with a new househelp and hopefully, she will be staying for the long term.
Thank God for providing us help for we sorely lack manpower in the household.
Now I can focus on my work!
Joseph, in the Old Testament Bible, is the son of Jacob, who was sold as a slave by his brothers to the home of the Egyptian Pharaoh. By God's plan, he rose eventually to be the Pharaoh's trusted right man, who eventually saved his own family, when drought befell the land.
But I am digressing.
The Philippines, to some nations like Singapore, see us as a nation of people who cleans their toilet. How flattering can that be?
In the US, I heard you do everything on your own. From household chores to everything. That's why, life here in the Philippines is much better because you can afford to hire maids and let them do the nitty gritty household chores.
My mother has been very kind to every househelp who worked and stayed with us that's why my mother is very dear to them. Occasionally, some of them still visits or call or text my mother to catch up on everything that's happening at home.
There was a time that we did not have a maid for months and that forced me to wake up early and do the cooking and the morning preparations. It was a blessing in disguise actually because I learned to cook somehow and became domesticated.
But God is good. There's always the perfect timing.
Now he blessed us with a new househelp and hopefully, she will be staying for the long term.
Thank God for providing us help for we sorely lack manpower in the household.
Now I can focus on my work!
Sunday, October 17, 2010
That's all there is to it
Some people. After getting what they want, they just change how they treat you overnight or even within a minute from getting it.
Others say it all boils down to being practical. And to get what they want, they employ the means to justify the end.
I've been had. Been there, done that.
To some people, that's all there is to it.
Charge it to experience.
Others say it all boils down to being practical. And to get what they want, they employ the means to justify the end.
I've been had. Been there, done that.
To some people, that's all there is to it.
Charge it to experience.
Saturday, October 16, 2010
Damaso
Damaso is associated with the Spanish friars in the novel by our national hero, Jose Rizal. And the name connotates the bad guy, the one who opposes the good guy or the hero.
Damaso represents the Roman Catholic priests who think that they are more powerful than the state and that whatever they decree should be considered as absolutes.
Damaso, to me, is like the Pharisees of the bible with whom Jesus constantly clashed.
Times have changed but some systems in this world will never go away. And these are the people like Damaso.
Damaso represents the Roman Catholic priests who think that they are more powerful than the state and that whatever they decree should be considered as absolutes.
Damaso, to me, is like the Pharisees of the bible with whom Jesus constantly clashed.
Times have changed but some systems in this world will never go away. And these are the people like Damaso.
Thursday, October 14, 2010
Putting it off
It has always been like that. For the nth time, I put off something that needs immediate attention.
And then when it's due, you find yourself cramming.
You call it procrastination. Who has not been bitten by this bug?
Where did we inherit this trait? It has been said from the Spaniards. They have this what you call manana habit, meaning, when you are supposed to do something, you will instead opt to do it later. Until it becomes night, til it becomes the next day, and you realized you haven't accomplished yet the thing you are supposed to do.
So what's the cure? It's just a paradigm shift.
You just do it. Like the famous Nike ad says.
That way, you can avoid being bitten by the bug.
And then when it's due, you find yourself cramming.
You call it procrastination. Who has not been bitten by this bug?
Where did we inherit this trait? It has been said from the Spaniards. They have this what you call manana habit, meaning, when you are supposed to do something, you will instead opt to do it later. Until it becomes night, til it becomes the next day, and you realized you haven't accomplished yet the thing you are supposed to do.
So what's the cure? It's just a paradigm shift.
You just do it. Like the famous Nike ad says.
That way, you can avoid being bitten by the bug.
Thursday, October 7, 2010
Dwende
My niece asked me if dwendes are true. Of course, I can't make any categorical statement on these creatures whether they really exist or not.
It's only in Philippines where you hear of dwende, kapre, aswang, tikbalang etc.
Personally, my take is that these are not true. These are just creations of the devil. To distract attention or to divert people from Jesus Christ. They may be true in the sense that they really appear and make themselves manifest to some people. But these are forms of demons that can scare the wit out of you if your faith is not strong and rock solid.
So what to do when you encounter creatures like these?
Hmmmm.... Pray in Jesus' name to ward off these evil spirits.
Read the Bible and you will discover there are no such things as these. But I'm not saying these are just figments of imagination. As I said, these creatures are just meant to destroy those who are weak in their faith in God.
It's only in Philippines where you hear of dwende, kapre, aswang, tikbalang etc.
Personally, my take is that these are not true. These are just creations of the devil. To distract attention or to divert people from Jesus Christ. They may be true in the sense that they really appear and make themselves manifest to some people. But these are forms of demons that can scare the wit out of you if your faith is not strong and rock solid.
So what to do when you encounter creatures like these?
Hmmmm.... Pray in Jesus' name to ward off these evil spirits.
Read the Bible and you will discover there are no such things as these. But I'm not saying these are just figments of imagination. As I said, these creatures are just meant to destroy those who are weak in their faith in God.
Damaso!
That is how tourist guide Carlos Celdran depicted the Roman Catholic Church with respect to their views on the controversial RH bill where President P-Noy is inclined to support.
Can you really blame Carlos Celdran for taking a stand against the high and mighty Roman Catholic Church? The RCC claims that it is opposing the bill on high moral grounds and that they have the right to resist its being passed into a law in their capacity as the church lest the people's morality go downhill unabated.
Such hypocrisy this RCC. They do not want to control population because decreasing it will mean less power and control for them. But people are starting to wake up and see the truth.
The Roman Catholic Church is nothing but an organization of modern-day Pharisees. In Jesus' time, he talks of this group as the hypocrites who are good on the outside but evil in the inside.
I rest my case.
Can you really blame Carlos Celdran for taking a stand against the high and mighty Roman Catholic Church? The RCC claims that it is opposing the bill on high moral grounds and that they have the right to resist its being passed into a law in their capacity as the church lest the people's morality go downhill unabated.
Such hypocrisy this RCC. They do not want to control population because decreasing it will mean less power and control for them. But people are starting to wake up and see the truth.
The Roman Catholic Church is nothing but an organization of modern-day Pharisees. In Jesus' time, he talks of this group as the hypocrites who are good on the outside but evil in the inside.
I rest my case.
Saturday, October 2, 2010
Temptation
I was tempted today... twice... within an hour.
I was at Mega Mall, lining up to pay my phone bill. The payor before me took out his wallet and he didn't notice that his P1000 bill fell off his wallet. I immediately approached him and told him that his money fell off the floor. Moments later after paying, he approached me and expressed his gratitude.
A few minutes later, I was next to the guy who was at the ATM machine. After the slip came out, he threw out the slip in a trash can and left. When it was my turn, I realized he hasn't finished his transaction yet but he forgot to take out his ATM card so I saw his balance on the screen. I was stunned because I thought he already got his card so I chased him and returned his ATM card. He was surprised and grateful nonetheless.
In spite of my financial status, I didn't think twice of stealing the money. And I don't think my conscience can bear doing it.
Thank God for the integrity.
I wouldn't pray for more temptations like these though.
I was at Mega Mall, lining up to pay my phone bill. The payor before me took out his wallet and he didn't notice that his P1000 bill fell off his wallet. I immediately approached him and told him that his money fell off the floor. Moments later after paying, he approached me and expressed his gratitude.
A few minutes later, I was next to the guy who was at the ATM machine. After the slip came out, he threw out the slip in a trash can and left. When it was my turn, I realized he hasn't finished his transaction yet but he forgot to take out his ATM card so I saw his balance on the screen. I was stunned because I thought he already got his card so I chased him and returned his ATM card. He was surprised and grateful nonetheless.
In spite of my financial status, I didn't think twice of stealing the money. And I don't think my conscience can bear doing it.
Thank God for the integrity.
I wouldn't pray for more temptations like these though.
Monday, September 27, 2010
If it ain't broke..
then don't fix it. How many times have I heard this line before?
We were scheduled to go south one Saturday afternoon. Days before, I decided to have the car undergo its annual routine checkup - tune up, change oil and change/replace whatever needs replacement.
I thought everything will be ok. Sked was tight but the car checkup was done a little after lunch and we were supposed to leave early afternoon.
We passed by our Tita's place first before proceeding to the main event - a wedding occasion in the family. Soon after we left our Tita's place, as I was cruising along Sucat road, the car battery suddenly went then. I tried to start it to no avail. Within seconds, there were men circling us offering to push the car to make it run thinking it's a battery problem. To cut the story short, the car broke down and the standby mechanic was able to fix it so we were able to make it to the appointed time.
Ironically, just when you thought you had the car getting up and ready, it broke down when it mattered most.
Lesson for the day: If it ain't broke, don't fix it.
Sure you can schedule preventive maintenance but ideally, it must be done a few days ahead of the appointed date so that if ever something comes up, you still have time to fix it.
Such is life. You don't know what lies ahead.
We were scheduled to go south one Saturday afternoon. Days before, I decided to have the car undergo its annual routine checkup - tune up, change oil and change/replace whatever needs replacement.
I thought everything will be ok. Sked was tight but the car checkup was done a little after lunch and we were supposed to leave early afternoon.
We passed by our Tita's place first before proceeding to the main event - a wedding occasion in the family. Soon after we left our Tita's place, as I was cruising along Sucat road, the car battery suddenly went then. I tried to start it to no avail. Within seconds, there were men circling us offering to push the car to make it run thinking it's a battery problem. To cut the story short, the car broke down and the standby mechanic was able to fix it so we were able to make it to the appointed time.
Ironically, just when you thought you had the car getting up and ready, it broke down when it mattered most.
Lesson for the day: If it ain't broke, don't fix it.
Sure you can schedule preventive maintenance but ideally, it must be done a few days ahead of the appointed date so that if ever something comes up, you still have time to fix it.
Such is life. You don't know what lies ahead.
Tuesday, September 21, 2010
Bull Run!
I am excited.
The bull run is back. It's time to make money again if you know how. This is about investing in stocks. But I invest in stocks indirectly. No more playing stocks directly. I'm done with it. Will let the fund managers take care of my investments. They know better. Anyway, holding period is only 6 months. If it gains after 6 months, I have the prerogative to redeem it in full or just the profits or just park the funds and accummulate some more. But the problem is mutual fund investing is not like that. Sure, there's the bearing on the length of time. Time is of the essence in investing. The earlier you invest, the better because historically, the prices are still low and a couple of years from now, the prices would have gone up. That's the beauty of long-term investments. You appreciate your investments over time because you see dramatic yields or gains.
Lately, the Philippine stock market has hit record levels. It has breached the 4000 index and stock analysts and fund managers are one in saying that the bull run will be sustained in the next 3 years. Well, God willing. This is the time to make money. This is the time to invest. This is the time to have faith.
It's like this. When money is pouring in, the market becomes active which in turn will benefit the company's growth. Which leads to more jobs. Really good for the economy.
So if you don't know anything about investing. Try mutual fund investing. I know a good fund manager. Philam Asset Management, Inc. (PAMI). And I park my funds at the equity-laden fund, Philam Strategic Growth Fund, Inc.
Thank God for the bull run. It's back!
The bull run is back. It's time to make money again if you know how. This is about investing in stocks. But I invest in stocks indirectly. No more playing stocks directly. I'm done with it. Will let the fund managers take care of my investments. They know better. Anyway, holding period is only 6 months. If it gains after 6 months, I have the prerogative to redeem it in full or just the profits or just park the funds and accummulate some more. But the problem is mutual fund investing is not like that. Sure, there's the bearing on the length of time. Time is of the essence in investing. The earlier you invest, the better because historically, the prices are still low and a couple of years from now, the prices would have gone up. That's the beauty of long-term investments. You appreciate your investments over time because you see dramatic yields or gains.
Lately, the Philippine stock market has hit record levels. It has breached the 4000 index and stock analysts and fund managers are one in saying that the bull run will be sustained in the next 3 years. Well, God willing. This is the time to make money. This is the time to invest. This is the time to have faith.
It's like this. When money is pouring in, the market becomes active which in turn will benefit the company's growth. Which leads to more jobs. Really good for the economy.
So if you don't know anything about investing. Try mutual fund investing. I know a good fund manager. Philam Asset Management, Inc. (PAMI). And I park my funds at the equity-laden fund, Philam Strategic Growth Fund, Inc.
Thank God for the bull run. It's back!
Marketing
Marketing is Selling and Selling is Marketing. These two words are intertwined.
You market to sell and you sell to market. That's why you often see labels such as Marketing and Sales, Sales and Marketing because they co-exist. One cannot live without the other.
There are many ways to market yourself or the product that you are selling. But before I go on. Just what is marketing?
Marketing is creating awareness. Marketing is seeking to establish recognition. Marketing is imprinting a label in the consumer's mind that the need is there for the taking. Selling is just a formality when you have achieved what Marketing is all about. Indeed, Marketing is winning half of the battle when a sale is already decided even before the actual sale is implemented.
Marketing can be done in many ways. There's face-to-face. There's telephone calls or what you call telemarketing. You have print ads. You have the technology to harness marketing to the fullest. You can email directly ( I do not promote spamming although that's marketing also but done in an illegal way). You can add a signature in your email. There are networking sites like Facebook, Multiply, Friendster, Twitter, etc. You can even post your ads online for free. Indeed, there are many ways to market just as there are many ways to make money.
Bottomline: Marketing is Selling and Selling is Marketing and both have one thing in common: To make money.
You market to sell and you sell to market. That's why you often see labels such as Marketing and Sales, Sales and Marketing because they co-exist. One cannot live without the other.
There are many ways to market yourself or the product that you are selling. But before I go on. Just what is marketing?
Marketing is creating awareness. Marketing is seeking to establish recognition. Marketing is imprinting a label in the consumer's mind that the need is there for the taking. Selling is just a formality when you have achieved what Marketing is all about. Indeed, Marketing is winning half of the battle when a sale is already decided even before the actual sale is implemented.
Marketing can be done in many ways. There's face-to-face. There's telephone calls or what you call telemarketing. You have print ads. You have the technology to harness marketing to the fullest. You can email directly ( I do not promote spamming although that's marketing also but done in an illegal way). You can add a signature in your email. There are networking sites like Facebook, Multiply, Friendster, Twitter, etc. You can even post your ads online for free. Indeed, there are many ways to market just as there are many ways to make money.
Bottomline: Marketing is Selling and Selling is Marketing and both have one thing in common: To make money.
I love Mandaluyong!
I was not born here. But I grew up here.
I'm now in my mid-40s and I haven't changed location yet. If I could write my life's script, I want to die in my house in Mandaluyong.
Mandaluyong is more known as the place where the National Mental Health Institution (used to be known as National Mental Hospital) is located. But there's more to it than being associated with mentally-deranged people. There's a famous joke that when people found out that you live in Mandaluyong, they will ask if you live inside Mandaluyong or outside Mandaluyong. Because inside Mandaluyong refers to the mental health institution.
I will not exchange my house for a place in down South or up North. I deem it the center of everything.
Even the Municipal Hall is very efficient when you need something. And the City Hall is housed in a new building.
Malls abound. There's Mega Mall, Shangrila Mall, Robinson's Place Pioneer, Pioneer Center, Cherry's, Liberty Center, Puregold, SM Hypermart.
I'll stop short of listing down nearby establishments like hospitals, schools, churches, and other services that you can find within minutes drive lest I sound like a real estate brochure or flyer.
The point is this. Everything is in Mandaluyong within reach. No need to drive far or get out of Mandaluyong.
That's the beauty of living in a tiger city like Mandaluyong. Progress is evident. Real estate construction is booming. As a testament to the city's prime location, Henry Sy's real estate arm, SMDC, is putting up Light Residences, a 3 tower residential condominium project interspersed with office/commercial establishments at the lower floors. Superb amenities are not lacking either. You have 5 different types of pools, catering to different needs (lap, wading, etc.). Best of all, all units in Tower 1, being the first building to be launched, are fully-furnished and VAT-free. No wonder, investing in Light Residences is a win-win proposition.
I just live at the other side of Light Residences, across or Boni-side. And I'm looking forward to its completion to enjoy condo living in a prime location.
I'm now in my mid-40s and I haven't changed location yet. If I could write my life's script, I want to die in my house in Mandaluyong.
Mandaluyong is more known as the place where the National Mental Health Institution (used to be known as National Mental Hospital) is located. But there's more to it than being associated with mentally-deranged people. There's a famous joke that when people found out that you live in Mandaluyong, they will ask if you live inside Mandaluyong or outside Mandaluyong. Because inside Mandaluyong refers to the mental health institution.
I will not exchange my house for a place in down South or up North. I deem it the center of everything.
Even the Municipal Hall is very efficient when you need something. And the City Hall is housed in a new building.
Malls abound. There's Mega Mall, Shangrila Mall, Robinson's Place Pioneer, Pioneer Center, Cherry's, Liberty Center, Puregold, SM Hypermart.
I'll stop short of listing down nearby establishments like hospitals, schools, churches, and other services that you can find within minutes drive lest I sound like a real estate brochure or flyer.
The point is this. Everything is in Mandaluyong within reach. No need to drive far or get out of Mandaluyong.
That's the beauty of living in a tiger city like Mandaluyong. Progress is evident. Real estate construction is booming. As a testament to the city's prime location, Henry Sy's real estate arm, SMDC, is putting up Light Residences, a 3 tower residential condominium project interspersed with office/commercial establishments at the lower floors. Superb amenities are not lacking either. You have 5 different types of pools, catering to different needs (lap, wading, etc.). Best of all, all units in Tower 1, being the first building to be launched, are fully-furnished and VAT-free. No wonder, investing in Light Residences is a win-win proposition.
I just live at the other side of Light Residences, across or Boni-side. And I'm looking forward to its completion to enjoy condo living in a prime location.
Business - SMDC to raise P11.7B by selling new shares to shareholders - INQUIRER.net
Business - SMDC to raise P11.7B by selling new shares to shareholders - INQUIRER.net
I first added into my multiply blog an article about SMDC last February 2010. Seven months later, SMDC's rise is unprecedented. Below is the article I picked up from Phil. Star.
I first added into my multiply blog an article about SMDC last February 2010. Seven months later, SMDC's rise is unprecedented. Below is the article I picked up from Phil. Star.
| Strong fundamentals seen to boost market By Zinnia B. Dela Peña (The Philippine Star) Updated February 15, 2010 12:00 AM |
MANILA, Philippines - The local stock market is set to take investors on a topsy-turvy ride this year but the country’s strong fundamentals and an improving global economy will give the bulls ammunition to take the indices to higher ground, according to Philequity Fund Management Inc. and Wealth Securities.
In a joint investors’ forum held by Philequity and Wealth Securities late Thursday afternoon, Jerome R. Gonzalez, head of research at leading mutual fund firm Philequity, said the market still maintains a bullish tone in spite of the ravaging falls over the past two weeks that scared many people away from equities.
Volatility kicked into high gear in February with the main composite index shedding as much as 12 percent from a high of 3,133.53 registered last Jan. 15. Local shares were weighed down by concerns about Greece’s financial problems and the risk of debt contagion spreading through the euro-zone and to the US.
Gonzalez said 2010 will be a more volatile year than 2009 with January marking the start of a longer and deeper correction. “We view this sell-off as a normal pullback (probably not yet over) within a cyclical bull market,” Gonzalez said, pointing out that the PSEi could end the year at 3,300, a modest 10 percent return for a market that gained 63 percent in 2009. The index could easily hit the projected level assuming elections will be successful and peaceful and that no financial contagion takes place.
The main composite index closed at 2,949.65 Friday, up 40.77 points or 1.4 percent on news that European Union leaders will help Greece address its huge deficit. Greece shocked the investing community last month when it announced that its budget deficit for 2009 reached 12.7 percent of GDP. Under the Maastricht Treaty, they are supposed to keep it at a maximum of three percent.
Greece also now has a debt stock of 54 billion euros. That’s a debt-to-GDP ratio of 100 percent, well above the limit of the treaty, which is 60 percent.
Wealth Holdings chairman and president Wilson Sy, a maverick stockbroker and former chairman of the Philippine Stock Exchange, acknowledged that the intermediate term is going to be choppy and challenging to the average investor but urged the investing public to ride out the volatility. “The key is to keep your balance and keep your eyes on what you think is going to happen over the long-term,“ Sy said.
The view is echoed by Philequity’s Ignacio B. Gimenez who says that although local stocks are in for a bumpy ride, most people should not consider selling or yanking out their money from mutual funds. He advised investors to spot exciting investment opportunities in a bearish market. “When prices go down, there are greater opportunities for more investment at a lower price. Investors should stick with quality investments whatever the market is doing,” Gimenez said.
Gonzalez said investing in falling markets is an ideal way of taking full advantage of the downturn because of the effects of averaging out the cost of investment. For investors who may want to remain exposed to equities but want protection from potential falls in the future, Wealth Securities’ Bernard Avinante suggests that they go for a defensive portfolio by snapping up stocks that are likely to withstand market volatility such as telecommunications, utility and consumer-related companies.
Among Wealth Securities’ top picks are telecommunications conglomerate Philippine Long Distance Telephone Co., SM Investments Corp. (the flagship holding firm of retail tycoon Henry Sy, Ty-owned banking giant Metrobank, Energy Development Corp. ( a leading renewable power generating company owned by the Lopez family, Robinsons Land Corp. (the property arm of Gokongwei conglomerate JG Summit Holduings Inc.), Universal Robina Corp., and SM Development Corp. Avinante said PLDT, the leading mobile phone provider in the country with a 54-percent market share, is a relative outperformer in an uncertain market, providing attractive dividend yields of 10 percent. For this year, the telco’s earnings are forecast to grow by 16.6 percent. He said the stock could hit P2,800.
He said SMDC is touted to become the next big player in the real estate industry with its net income seen matching those of property giant Ayala Land Inc. by 2013. While it was a late entrant in the sector, SMDC’s business formula of offering units under the P2.5 million cap has become an instant hit among condominium buyers.
Gonzalez said investors who are overweight should use rallies to lighten up on positions. For those who don’t have any equity position at all, this correction is an opportunity to dabble in the stockmarket or park their money in a mutual fund like Philequity.
Gimenez said a P1 investment made in Philequity in 1994 is now worth P12.40 (equivalent to a compounded annual return of 18 percent). Organized in 1994, Philequity gained 65 percent last year, the highest yield recorded among other mutual funds.
Investing in a mutual fund gives someone the ability to earn high rates of return by investing in a diversified portfolio of stocks and bonds that are carefully chosen and monitored by professional fund managers.
The rising debt buildup has also become a concern especially with the possibility that the US Fed may start raising interest rates.
Last year, the Philippines had a budget deficit of P293.2 billion, 17 percent above target and equivalent to 3.7 percent of GDP.
Gonzalez said that with the economy expected to post some modest recovery this year, the government should already put a rein on the deficit.
Similar to the situation in the US, the country’s debt problem is worsening and revenue collections have been disappointing. Given this, Gonzalez said the next president should have a clear direction on how to address this issue.
Gonzalez said now is a good time to review the lessons of 2007 so as not to repeat them. “Dubai’s financial woes reminds us that things may happen unexpectedly.The greatest danger is contagion to other countries whose fundamentals are weak, such as Greece, Latvia,etc…” Gonzalez said.
Another factor that could affect market sentiment is the expected rise in food and utility prices which should push the country’s inflation higher in the second and third quarters of the year, ranging from 3.5 percent to only 5.5 percent.
Gonzalez said the surging US dollar also caused commodities to pull back substantially. Light sweet crude oil has already fallen 14.4 percent from a high of 83.95 on Jan. 11. Gold has dropped 13.1 percent and copper has plunged 18.9 percent from their respective highs.
A ride on an upside-down, topsy-turvy roller coaster is pretty risky, but the resulting excitement takes your breath away.
In a joint investors’ forum held by Philequity and Wealth Securities late Thursday afternoon, Jerome R. Gonzalez, head of research at leading mutual fund firm Philequity, said the market still maintains a bullish tone in spite of the ravaging falls over the past two weeks that scared many people away from equities.
Volatility kicked into high gear in February with the main composite index shedding as much as 12 percent from a high of 3,133.53 registered last Jan. 15. Local shares were weighed down by concerns about Greece’s financial problems and the risk of debt contagion spreading through the euro-zone and to the US.
Gonzalez said 2010 will be a more volatile year than 2009 with January marking the start of a longer and deeper correction. “We view this sell-off as a normal pullback (probably not yet over) within a cyclical bull market,” Gonzalez said, pointing out that the PSEi could end the year at 3,300, a modest 10 percent return for a market that gained 63 percent in 2009. The index could easily hit the projected level assuming elections will be successful and peaceful and that no financial contagion takes place.
The main composite index closed at 2,949.65 Friday, up 40.77 points or 1.4 percent on news that European Union leaders will help Greece address its huge deficit. Greece shocked the investing community last month when it announced that its budget deficit for 2009 reached 12.7 percent of GDP. Under the Maastricht Treaty, they are supposed to keep it at a maximum of three percent.
Greece also now has a debt stock of 54 billion euros. That’s a debt-to-GDP ratio of 100 percent, well above the limit of the treaty, which is 60 percent.
Wealth Holdings chairman and president Wilson Sy, a maverick stockbroker and former chairman of the Philippine Stock Exchange, acknowledged that the intermediate term is going to be choppy and challenging to the average investor but urged the investing public to ride out the volatility. “The key is to keep your balance and keep your eyes on what you think is going to happen over the long-term,“ Sy said.
The view is echoed by Philequity’s Ignacio B. Gimenez who says that although local stocks are in for a bumpy ride, most people should not consider selling or yanking out their money from mutual funds. He advised investors to spot exciting investment opportunities in a bearish market. “When prices go down, there are greater opportunities for more investment at a lower price. Investors should stick with quality investments whatever the market is doing,” Gimenez said.
Gonzalez said investing in falling markets is an ideal way of taking full advantage of the downturn because of the effects of averaging out the cost of investment. For investors who may want to remain exposed to equities but want protection from potential falls in the future, Wealth Securities’ Bernard Avinante suggests that they go for a defensive portfolio by snapping up stocks that are likely to withstand market volatility such as telecommunications, utility and consumer-related companies.
Among Wealth Securities’ top picks are telecommunications conglomerate Philippine Long Distance Telephone Co., SM Investments Corp. (the flagship holding firm of retail tycoon Henry Sy, Ty-owned banking giant Metrobank, Energy Development Corp. ( a leading renewable power generating company owned by the Lopez family, Robinsons Land Corp. (the property arm of Gokongwei conglomerate JG Summit Holduings Inc.), Universal Robina Corp., and SM Development Corp. Avinante said PLDT, the leading mobile phone provider in the country with a 54-percent market share, is a relative outperformer in an uncertain market, providing attractive dividend yields of 10 percent. For this year, the telco’s earnings are forecast to grow by 16.6 percent. He said the stock could hit P2,800.
He said SMDC is touted to become the next big player in the real estate industry with its net income seen matching those of property giant Ayala Land Inc. by 2013. While it was a late entrant in the sector, SMDC’s business formula of offering units under the P2.5 million cap has become an instant hit among condominium buyers.
Gonzalez said investors who are overweight should use rallies to lighten up on positions. For those who don’t have any equity position at all, this correction is an opportunity to dabble in the stockmarket or park their money in a mutual fund like Philequity.
Gimenez said a P1 investment made in Philequity in 1994 is now worth P12.40 (equivalent to a compounded annual return of 18 percent). Organized in 1994, Philequity gained 65 percent last year, the highest yield recorded among other mutual funds.
Investing in a mutual fund gives someone the ability to earn high rates of return by investing in a diversified portfolio of stocks and bonds that are carefully chosen and monitored by professional fund managers.
The rising debt buildup has also become a concern especially with the possibility that the US Fed may start raising interest rates.
Last year, the Philippines had a budget deficit of P293.2 billion, 17 percent above target and equivalent to 3.7 percent of GDP.
Gonzalez said that with the economy expected to post some modest recovery this year, the government should already put a rein on the deficit.
Similar to the situation in the US, the country’s debt problem is worsening and revenue collections have been disappointing. Given this, Gonzalez said the next president should have a clear direction on how to address this issue.
Gonzalez said now is a good time to review the lessons of 2007 so as not to repeat them. “Dubai’s financial woes reminds us that things may happen unexpectedly.The greatest danger is contagion to other countries whose fundamentals are weak, such as Greece, Latvia,etc…” Gonzalez said.
Another factor that could affect market sentiment is the expected rise in food and utility prices which should push the country’s inflation higher in the second and third quarters of the year, ranging from 3.5 percent to only 5.5 percent.
Gonzalez said the surging US dollar also caused commodities to pull back substantially. Light sweet crude oil has already fallen 14.4 percent from a high of 83.95 on Jan. 11. Gold has dropped 13.1 percent and copper has plunged 18.9 percent from their respective highs.
A ride on an upside-down, topsy-turvy roller coaster is pretty risky, but the resulting excitement takes your breath away.
Tuesday, September 14, 2010
Modern Day Evangelists
I am in awe of the man for his blessed life. Get hold of the book, his autobiography, "Just As I Am", and you will be definitely touched how God used him in his prime to reach the world. You will also be surprised how his influence has shaped the minds of the US presidents. So indirectly, God's hands is written in the world events through the counsel and wisdom of Billy Graham.
Billy Graham is already in his golden years and I can't help but compare him with this young pastor by the name of Rick Warren.
Deep inside, I would have wanted to be a pastor someday - but Destiny has other plans.
Tuesday, September 7, 2010
Ibaan
I have many fond memories here when I was a kid.
Every December 30, Rizal Day, it coincides with the town "fiesta" or anniversary. So from our place in Mandaluyong, my family goes there to eat, drink "kapeng barako" (Batangas coffee), and sleep there overnight and go home on December 31, just in time for New Year's Eve.
Ibaan is a small town in Batangas City, a little farther than Lipa and Cuenca. There's no resort to speak of, no tourist attraction that makes you want to come back for it. It is not as popular as Nasugbu or Lipa since there's really no activity there. Still, there's no place like Ibaan.
I remember when me and my cousins were still kids, we behaved like brats. And we bully the local boys there as if we have a swagger in us. Those were the days. How I wish that we behaved well back then.
It was there, as a kid, when I first witnessed live how the "experts" kill a calf or a pig. Maybe at that time, my curiosity got the better of me back then instead of shying away from such "grossly" and "gruesome" act done to mammals.
I must admit that even though Ibaan is not known for tourist-like places, Ibaan is known for good food if you are a meat lover. I always look forward going there every town fiesta to savor the meals that our "lola" prepares for us. There's longganisa, dinuguan, adobo, apritada, kaldereta and lately they coined this word, "kaldorobo", a mix of kaldereta and adobo. I also remember picking up some "coffee beans" from the trees in the backyard and starbucks was not a household name yet.
What makes the place special is that my "lolo" used to be a town mayor during the time of President Magsaysay. I learned that it was my "lolo" who was responsible for providing adequate water supply in the whole of Ibaan. And now decades after his death, the street where my mother's ancestral home is located is renamed after my lolo's name. During my lolo's political reign, corruption is unheard of. And that makes me prouder to be one of his grandchildren.
I wish I could relive the days when all the families from my mother side flock there to celebrate the town anniversary. Those were one of the happiest moments of my childhood days.
But now I have come to grips with reality. My mother's ancestral home is no longer livable and soon a new owner will take its place.
Goodbye Ibaan. Thank you for the memories. You will forever live in my heart.
Every December 30, Rizal Day, it coincides with the town "fiesta" or anniversary. So from our place in Mandaluyong, my family goes there to eat, drink "kapeng barako" (Batangas coffee), and sleep there overnight and go home on December 31, just in time for New Year's Eve.
I remember when me and my cousins were still kids, we behaved like brats. And we bully the local boys there as if we have a swagger in us. Those were the days. How I wish that we behaved well back then.
It was there, as a kid, when I first witnessed live how the "experts" kill a calf or a pig. Maybe at that time, my curiosity got the better of me back then instead of shying away from such "grossly" and "gruesome" act done to mammals.
I must admit that even though Ibaan is not known for tourist-like places, Ibaan is known for good food if you are a meat lover. I always look forward going there every town fiesta to savor the meals that our "lola" prepares for us. There's longganisa, dinuguan, adobo, apritada, kaldereta and lately they coined this word, "kaldorobo", a mix of kaldereta and adobo. I also remember picking up some "coffee beans" from the trees in the backyard and starbucks was not a household name yet.
What makes the place special is that my "lolo" used to be a town mayor during the time of President Magsaysay. I learned that it was my "lolo" who was responsible for providing adequate water supply in the whole of Ibaan. And now decades after his death, the street where my mother's ancestral home is located is renamed after my lolo's name. During my lolo's political reign, corruption is unheard of. And that makes me prouder to be one of his grandchildren.
I wish I could relive the days when all the families from my mother side flock there to celebrate the town anniversary. Those were one of the happiest moments of my childhood days.
But now I have come to grips with reality. My mother's ancestral home is no longer livable and soon a new owner will take its place.
Goodbye Ibaan. Thank you for the memories. You will forever live in my heart.
Mama Mary
Today is September 8 (Manila time).
To the Catholics, September 8 is a very important day - for it is the birthday of Mary, the mother of Jesus. But to the Catholics, she is more than the mother of Jesus. Case in point. When it's Christmas, supposedly the birthday of Jesus, you hear Catholics say, Merry Christmas to everyone. But when it's Mary's birthday, you will hear some of them say, "Happy Birthday Mama Mary! I love you!". So the greeting is more personal, isn't it? She is most revered in the Catholic world. There are many titles attached to her name borne out of healing miracles and apparitions, whether clear or mysterious, in different places, all over the world.
She is known as the Mother of God, the Blessed Virgin Mary, Mama Mary, the Queen of Heaven and Earth, Our Lady of Lourdes, Mother of Perpetual Help, Our Lady of Fatima, Our Lady of Medugorje, Our Lady of Antipolo, Immaculate Conception...and many more.
I have turned my back on Catholicism precisely because of how Catholics treat Mary. I feel that sometimes she is more important than Jesus. Some Catholics, if not most, would rather pray to Mary than to Jesus, or even to God the Father and God the Holy Spirit. It's as if when you pray to Mary, all your prayers will be answered because Mary will intercede for you. It's like presupposing that Jesus can't say no to whatever Mary requests of him. This attitude was borne out of the story in the Bible when Jesus changed the water into wine upon Mary's request.
My Catholic education taught me that God is omnipotent, that is, an all-powerful God; omnipresent, that is, God is everywhere; and omniscient, that is, God knows everything. I can accept these attributes since God is God. What my mind can't reconcile is why some people think and treat that Mary is also attributed with these supernatural or godly powers.
It is only fitting to say that Mary is the mother of Jesus - but we have to qualify - Jesus as a man for Jesus is God and man at the same time. Jesus can't be a man without being born from a woman and God chose Mary to be the mother of His Son. In that aspect, Mary was the most blessed mother of all - and what made it more special is that Mary gave birth to Jesus through the Holy Spirit. That's why she is called the Blessed Virgin Mary because no man touched her before giving birth to Jesus. So if Mary is the mother of Jesus as a man, she should not be called the mother of God for that is not what the Bible teaches.
So it is wrong to associate the all those miraculous and supernatural healings and apparitions to Mary as if she is omnipresent, omniscient and omnipotent. Mary is not in the league of the Holy Trinity. Mary is not a God. She was only used by God to be an instrument for Jesus to be born as a man, to be one with us and to suffer the worst form of death which He certainly did not deserve. Just like the role of Judas. If Judas did not betray Jesus, there would be no death on the crucifixion and resurrection.
But because God so loved the world that He gave His only begotten Son so that whoever believes in Him shall not perish but have eternal life (John 3:16), Mary came into the picture to fulfill the biblical prophesy that a Savior will be born in Bethlehem to save mankind from the death of sin.
I do not hate Mary.
What I'm saying is that Mary is not a God. She doesn't deserve to be worshipped. Some Catholics call it veneration. But what's in a name? What's the difference anyway? Catholics build statues and images in honor of Mary, pray the Rosary, pray to her repeatedly, make sacrifices, light a candle, kneel in front of her image when they need something to pray for. Isn't that a form of idolatry which God abhors?
Mary's place in Christianity is secure. She will always be the most blessed virgin mother of Jesus. It was not her fault that people treat her this way, that is, to be treated like a God, like she is equal with God which is not biblical.
Mary should be treated with respect as part of Christianity but Mary is just like one of us, a human being, who was placed in a very important role in the history of Christianity. But that's all there is to it. Jesus is the main story of the Bible. All the Bible prophets, apostles and disciples lived and sacrificed their lives for God the Father in the Old Testament, and Jesus in the New Testament.
To my mind, the devil used some people to depict Mary to what is considered now so that the focus will not be on Jesus. Satan will use any form of distraction to lure people away from Jesus, who is God and man, the mediator between God and man, the Way, the Truth, and the Life.
That's one of the reasons why I turned my back on Catholicism -- because of how Catholics treat Mary... like a God.
To the Catholics, September 8 is a very important day - for it is the birthday of Mary, the mother of Jesus. But to the Catholics, she is more than the mother of Jesus. Case in point. When it's Christmas, supposedly the birthday of Jesus, you hear Catholics say, Merry Christmas to everyone. But when it's Mary's birthday, you will hear some of them say, "Happy Birthday Mama Mary! I love you!". So the greeting is more personal, isn't it? She is most revered in the Catholic world. There are many titles attached to her name borne out of healing miracles and apparitions, whether clear or mysterious, in different places, all over the world.
She is known as the Mother of God, the Blessed Virgin Mary, Mama Mary, the Queen of Heaven and Earth, Our Lady of Lourdes, Mother of Perpetual Help, Our Lady of Fatima, Our Lady of Medugorje, Our Lady of Antipolo, Immaculate Conception...and many more.
I have turned my back on Catholicism precisely because of how Catholics treat Mary. I feel that sometimes she is more important than Jesus. Some Catholics, if not most, would rather pray to Mary than to Jesus, or even to God the Father and God the Holy Spirit. It's as if when you pray to Mary, all your prayers will be answered because Mary will intercede for you. It's like presupposing that Jesus can't say no to whatever Mary requests of him. This attitude was borne out of the story in the Bible when Jesus changed the water into wine upon Mary's request.
My Catholic education taught me that God is omnipotent, that is, an all-powerful God; omnipresent, that is, God is everywhere; and omniscient, that is, God knows everything. I can accept these attributes since God is God. What my mind can't reconcile is why some people think and treat that Mary is also attributed with these supernatural or godly powers.
It is only fitting to say that Mary is the mother of Jesus - but we have to qualify - Jesus as a man for Jesus is God and man at the same time. Jesus can't be a man without being born from a woman and God chose Mary to be the mother of His Son. In that aspect, Mary was the most blessed mother of all - and what made it more special is that Mary gave birth to Jesus through the Holy Spirit. That's why she is called the Blessed Virgin Mary because no man touched her before giving birth to Jesus. So if Mary is the mother of Jesus as a man, she should not be called the mother of God for that is not what the Bible teaches.
So it is wrong to associate the all those miraculous and supernatural healings and apparitions to Mary as if she is omnipresent, omniscient and omnipotent. Mary is not in the league of the Holy Trinity. Mary is not a God. She was only used by God to be an instrument for Jesus to be born as a man, to be one with us and to suffer the worst form of death which He certainly did not deserve. Just like the role of Judas. If Judas did not betray Jesus, there would be no death on the crucifixion and resurrection.
But because God so loved the world that He gave His only begotten Son so that whoever believes in Him shall not perish but have eternal life (John 3:16), Mary came into the picture to fulfill the biblical prophesy that a Savior will be born in Bethlehem to save mankind from the death of sin.
I do not hate Mary.
What I'm saying is that Mary is not a God. She doesn't deserve to be worshipped. Some Catholics call it veneration. But what's in a name? What's the difference anyway? Catholics build statues and images in honor of Mary, pray the Rosary, pray to her repeatedly, make sacrifices, light a candle, kneel in front of her image when they need something to pray for. Isn't that a form of idolatry which God abhors?
Mary's place in Christianity is secure. She will always be the most blessed virgin mother of Jesus. It was not her fault that people treat her this way, that is, to be treated like a God, like she is equal with God which is not biblical.
Mary should be treated with respect as part of Christianity but Mary is just like one of us, a human being, who was placed in a very important role in the history of Christianity. But that's all there is to it. Jesus is the main story of the Bible. All the Bible prophets, apostles and disciples lived and sacrificed their lives for God the Father in the Old Testament, and Jesus in the New Testament.
To my mind, the devil used some people to depict Mary to what is considered now so that the focus will not be on Jesus. Satan will use any form of distraction to lure people away from Jesus, who is God and man, the mediator between God and man, the Way, the Truth, and the Life.
That's one of the reasons why I turned my back on Catholicism -- because of how Catholics treat Mary... like a God.
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