Kurot or Dakot? The Chinoy Businessman Principle

Ano ‘yung Kurot Principle? Ay, ang ganda nitong Kurot Principle na ito. To better understand this, I will tell you a story of a person na balak bumili ng cellphone worth P1,000. Nagkataong mayroon siyang P100,000 na savings. Puwede ba siyang bumili ng cellphone? Puwede, kasi yung P1,000, kurot lang ‘yon sa kanyang savings.

May pangalawang taong balak bumili ng cellphone. Ang bibilhin niya ay worth P1,000 din. Mayroon siyang savings sa bangko na P1,000. Bumili siya ng cellphone. Anong tawag dun? Dakot na ‘yun! Dinakot lahat ang pera niya!

May pangatlong tao, balak bumili ng cellphone, pero walang savings. P1,000 lang naman ‘yung bibilhin niya. Bumili siya. Anong tawag ‘dun? Utang na ‘yun!

Ang tanong: ano’ng prinsipyo ang ginagamit mo sa buhay mo? Kurot, dakot, o utang?

Magtataka pa ba tayo kung bakit tayo naghihirap o baon sa utang? Ang gagaling nating dumakot! Ang gagaling nating umutang! Gusto mong yumaman? Starting today, matutong kumurot. Kapag may bibilhin, dapat kinukurot lang! Nagkakaintindihan ba tayo? Kapag ginawa mo ito, pangako, yayaman ka.

Pag-aralan nating muli ang mga pinakamayayaman sa Pilipinas, ang Chinoy. Again, bakit sila mayayaman? Ang gagaling nilang… kumurot! Tayo ang gagaling nating… dumakot! Sasampolan kita…

Pinoy vs. Chinoy Businessman

May dalawang negosyanteng nagsimula ng kanilang negosyo, isang Pinoy at isang Chinoy. Ang capital nila pareho ay P100,000.

Sa unang buwan, si Pinoy, kumita ng P10,000. Ano ang iniisip bilhin? Cellphone. Si Chinoy, kumita rin ng P10,000. Ano ang gagawin niya? Idadagdag niya sa puhunan.

So magkano na ngayon ang puhunan ni Chinoy? P110,000! Si Pinoy, P100,000 pa rin, pero may bago siyang cellphone. Ang ganda!

Ituloy natin. After a few months, maganda ang takbo ng negosyo. Si Pinoy kumita ng P50,000. Ang Pilipinong may P50,000, ano ang balak bilhin? Bibili siya ng home theater, DVD, at LCD TV! Si Chinoy, kumita rin ng P50,000. Anong gagawin niya? Idadagdag uli sa puhunan niya. Magkano na ang puhunan niya? P160,000 na!

A few months later pa, ang Pinoy kumita ng P150,000! Ang Pilipinong mayroong P150,000, ano ang balak bilhin? Second-hand na kotse o pang-downpayment sa bagong kotse. Ang Chinoy, may P150,000. Ano’ng gagawin niya? Idadagdag sa puhunan! Magkano na ang puhunan niya? P310,000!

 Buwan-buwan, si Pinoy kumikita. Dagdag siya ng dagdag ng gamit. Magkano ang puhunan niya? P100,000! Si Chinoy, buwan-buwan kumikita. Ano ang ginagawa niya? Dagdag ng dagdag sa puhunan niya. One day, Chinoy was able to save P1 million! So ginawa niya, he approached one supplier and said, “Supplier, kung bibili ako sa‘yo ng worth P1 million, bibigyan mo ba ako ng discount?” Hulaan mo kung ano ang sasabihin ng supplier. “Of course, ang dami mong bibilhin, kaya bibigyan kita ng additional 5% discount!”

Ngunit naisip ni Chinoy, “Hindi naman yata maganda na sa akin lahat ang 5%. Ang gagawin ko, bibigyan ko ang customers ko ng 3% discount at sa akin na lang ‘yung 2%.” Ibig sabihin, bababa ang presyo ng kanyang mga ibinebentang produkto.

It just so happened na magkatabi ang tindahan ni Chinoy at ni Pinoy. Pareho sila ng mga produktong ibinebenta. Given the situation, kanino kayo bibili? Kay Chinoy, because it’s cheaper. Ano ang mangyayari sa negosyo ni Pinoy? Malulugi na. Kasi mas mahal ang kaniyang produkto. Ano ang gagawin niya? Ibebenta niya ‘yung kotseng nabili niya ng P150,000. Sino ang bibili? Siyempre, ang maraming pera, si Chinoy. Tatawaran pa ni Chinoy ang kotse ng P80,000. Dahil gipit na si Pinoy, kahit palugi ay ibebenta na rin niya. Si Chinoy ngayon ay nagkaroon ng kotse na murang-mura lang!

After a few months, mauubos din ang P80,000 ni Pinoy. Ano ang susunod na gagawin ni Pinoy? Ang home entertainment niya ay ibebenta na rin. Magkano? P20,000 na lang. Sino ang bibili? Si Chinoy. Darating ang araw na pati ang cellphone ni Pinoy ay ibebenta na niya. Magkano niya ibebenta? P2,000 na lang! Isang araw, magsasara na ang negosyo ni Pinoy. Ano ang gagawin niya? Malamang, magtatrabaho na lang siya kay Chinoy. Ito ang kuwento ng bansang Pilipinas!

Naalala mo pa ba noong araw, mas mayayaman ang mga Pinoy kaysa sa mga Chinese. Bakit nagbago? Ano ba ang problema natin? Dakot kasi tayo ng dakot! Sila, kurot lang ng kurot!

Mayroon kaming naging participant before na nagsabi, “Sir, hindi naman totoo ‘yan! I know a Chinoy, he drives a BMW. That’s a P5 million car! Kurot ba ‘yun?” Malamang kurot ‘yun! Noong binili niya ‘yun, mayroon na siyang P100 million na savings! So kurot lang ‘yun! Nandiyan ka pa ba?

Isang Kahig, Isang Tuka

Saan ka makakakita ng mga taong isang kahig, isang tuka? Saan? Sa squatters area? Magtigil ka! Gusto mo’ng makakita ng mga taong isang kahig, isang-tuka? Sa Ortigas, sa Makati, may makikita ka.

What do I mean? Kapag hindi ka sumuweldo ng isang buwan, mabubuhay ba ang pamilya mo? Kung wala kang credit card, kung mawalan ka ng trabaho ngayon, ilang araw ang aabutin para mabuhay ng matino ang pamilya mo? Kapag nawalan ka ng suweldo, patay ka!

Ang mga Chinoy, kahit hindi muna kumita o magnegosyo, mabubuhay ng maganda. Bakit po? Kasi many years ago, kumahig sila ng kumahig at tumuka lang konti. Kaya marami sa kanila ngayon, tuka na lang ng tuka. Maraming Pinoy, kapag hindi tayo kumahig, wala tayong tutukain.

Ito ang masakit–sometimes, kahit matanda na tayo, kahig pa rin tayo ng kahig. Gaano karaming Pilipino ang 60 years old na ay trabaho pa rin ng trabaho? Puwede ba, simula ngayon, kumahig ka nang kumahig at iwasan munang tumuka. I-deprive ang sarili ng kaunti.

Ang pinakamasakit sa lahat ay ito–one day, you want to work, but you cannot work. You are already old. Why? Nagpakasasa ka kasi noong bata ka pa. Inubos mo na lahat ng lakas at kalusugan mo sa bisyo.

Tanong: Masama ba’ng bumili ng mahal? Sagot: Hindi! Basta kinukurot lang! Kapag nakakita ka ng kasamahan mong naka-Nike shoes, huwag mong husgahan kaagad iyong tao! Malay mo, kinurot lang niya iyon. At the end of the day, what is happening to other people is not important. What’s more important is what is happening to you.

The Bible says in 1 Thessalonians 4:11, “Make it your ambition to lead a quiet life. You should mind your own business and work with your hands, just as we told you.”

Knowing where to Tap

Ever heard the story of the giant ship engine that failed? The ship’s owners tried one expert after another, but none of them could figure how to fix the engine. Then they brought in an old man who had been fixing ships since he was a youngster. He carried a large bag of tools with him, and when he arrived, he immediately went to work. He inspected the engine very carefully, top to bottom.

Two of the ship’s owners were there, watching this man, hoping he would know what to do. After looking things over, the old man reached into his bag and pulled a small hammer. He gently tapped something. Instantly, the engine lurched into life. He carefully put his hammer away. The engine was fixed! A week later, the owners received a bill from the old man for ten thousand dollars.

“What?!” the owners exclaimed. “He hardly did anything!”

So they wrote the old man a note saying, “Please send us an itemized bill.”

The man sent a bill that read:
Tapping with a hammer …………………… $ 2.00
Knowing where to tap ……………………. $ 9998.00

Effort is important, but knowing where to make an effort in your life makes all the difference. And that’s were the Truly Rich Pinoy Manitoba comes in. The knowledge you get will make the difference in your life. Let us show you where to tap.

MY OATH TO YOU...

When you are sad....I will dry your tears.

When you are scared.....I will comfort your fears.

When you are worried.....I will give you hope.

When you are confused.....I will help you cope.

And when you are lost....And can't see the light, I shall be your beacon.....Shining ever so bright.

This is my oath.....I pledge till the end

Why you may ask?.....Because you're my friend.

Signed: GOD

Inspirational Quotes and Inspiring Quotes

A man's character may be learned from the adjectives which he habitually uses in conversation.
-- Mark Twain

Aerodynamically the bumblebee shouldn't be able to fly, but the bumblebee doesn't know that so it goes on flying anyway.
-- Mary Kay Ash

All misfortune is but a stepping stone to fortune.
-- Henry David Thoreau

Anyone can sympathize with the sufferings of a friend, but it requires a very fine nature to sympathize with a friend's success.
-- Oscar Wilde

As long as you keep a person down, some part of you has to be down there to hold him down, so it means you cannot soar as you otherwise might.
-- Marian Anderson

A life without purpose is a languid, drifting thing; Every day we ought to review our purpose, saying to ourselves: This day let me make a sound beginning, for what we have hitherto done is naught!
-- Thomas A. Kempis

You Are So Special!

Happiness keeps You Sweet, 

Trials keep You Strong, 

Sorrows keep You Human, 

Failures keep You Humble, 

Success keeps You Glowing, 

But Only God keeps You Going! 

You are so special!

What Does Love Mean?

http://flickrcc.bluemountains.net/flickrCC/index.php?terms=heart&edit=yes&com=yes&page=1

A group of professional people posed this question to a group of 4 to 8 year-olds, "What does love mean?"

The answers they got were broader and deeper than anyone could have imagined. See what you think:

"When my grandmother got arthritis, she couldn't bend over and paint her toenails anymore.

So my grandfather does it for her all the time, even when his hands got arthritis too. That's love."

Rebecca- age 8

"When someone loves you, the way they say your name is different.

You just know that your name is safe in their mouth."

Billy - age 4

http://flickrcc.bluemountains.net/flickrCC/index.php?terms=perfume&edit=yes&com=yes&page=1

"Love is when a girl puts on perfume and a boy puts on shaving cologne and they go out and smell each other."

Karl - age 5

http://flickrcc.bluemountains.net/flickrCC/index.php?terms=french+fries&edit=yes&com=yes&page=1

"Love is when you go out to eat and give somebody most of your French fries without making them give you any of theirs."

Chrissy - age 6

"Love is what makes you smile when you're tired."

Terri - age 4

"Love is when my mommy makes coffee for my daddy and she takes a sip before giving it to him, to make sure the taste is OK."

Danny - age 7

"Love is when you kiss all the time. Then when you get tired of kissing, you still want to be together and you talk more.

My Mommy and Daddy are like that. They look gross when they kiss"

Emily - age 8

"Love is what's in the room with you at Christmas if you stop opening presents and listen."

Bobby - age 7 (Wow!)

"If you want to learn to love better, you should start with a friend who you hate,"

Nikka - age 6

(we need a few million more Nikka's on this planet)

"Love is when you tell a guy you like his shirt, then he wears it everyday."

Noelle - age 7

"Love is like a little old woman and a little old man who are still friends even after they know each other so well."

Tommy - age 6

"During my piano recital, I was on a stage and I was scared. I looked at all the people watching me and saw my daddy waving and smiling.

He was the only one doing that. I wasn't scared anymore."

Cindy - age 8

"My mommy loves me more than anybody .

You don't see anyone else kissing me to sleep at night."

Clare - age 6

"Love is when Mommy gives Daddy the best piece of chicken."

Elaine-age 5

"Love is when Mommy sees Daddy smelly and sweaty and still says he is handsomer than Robert Redford."

Chris - age 7

"Love is when your puppy licks your face even after you left him alone all day."

Mary Ann - age 4

"I know my older sister loves me because she gives me all her old clothes and has to go out and buy new ones."

Lauren - age 4

"When you love somebody, your eyelashes go up and down and little stars come out of you." (what an image)

Karen - age 7

"Love is when Mommy sees Daddy on the toilet and she doesn't think it's gross."

Mark - age 6

"You really shouldn't say 'I love you' unless you mean it. But if you mean it, you should say it a lot. People forget."

Jessica - age 8

And the final one -- Author and lecturer Leo Buscaglia once talked about a contest he was asked to judge.

The purpose of the contest was to find the most caring child.

The winner was a four year old child whose next door neighbor was an elderly gentleman who had recently lost his wife.

Upon seeing the man cry, the little boy went into the old gentleman's yard, climbed onto his lap, and just sat there.

When his Mother asked what he had said to the neighbor, the little boy said,

"Nothing, I just helped him cry"

When there is nothing left but God, that is when you find out that God is all you need.

Father, God bless all my friends in whatever it is that You know they may be needing this day! And may their life be full of your peace, prosperity and power as he/she seeks to have a closer relationship with you. Amen.

Life Is A Gift!!!

http://flickrcc.bluemountains.net/flickrCC/index.php?terms=gift+box&edit=yes&com=yes&page=1

Once there was a blind girl who hated herself just because she was blind.

She hated everyone, except her loving boyfriend.

He is always there for her she said that if she could only see the world, she

would marry her boyfriend.

One day, someone donated a pair of eyes to her and

then she could see everything, including her boyfriend.

Her boyfriend asked her, "now that you can see the world, will you

marry me?" The girl was shocked when she saw that

her boyfriend was blind too, and refused to marry him.

Her boyfriend walked away in tears, and later wrote

a letter to her saying.

"Just take care of my eyes, dear."

Life Is A Gift!!!

Today before you think of saying an unkind word -

Think of someone who can't speak.

Before you complain about the taste of your food -Think of someone who has nothing to eat.

Before you complain about your husband or wife -Think of someone who's crying out to God for a companion.

Today before you complain about life - Think of someone who went to his grave too soon.

Before you complain about your children - Think of someone who desires children but is barren.

Before you argue about your dirty house, someone did not clean or sweep- Think of the people who are living in the streets.

Before whining about the distance you drive â?? Think of someone who walks the same distance with his or her feet.

And when you are tired and complain about your job- Think of the unemployed, the disabled and those who wished they had your job.

But before you think of pointing the finger or condemning another -

Remember that not one of us is without wrong doing.

And when depressing thoughts seem to get you down -Put a smile on your

face and be thankful you're alive and still around.

Life is a gift, Live it, Enjoy it, Celebrate it And Fulfill it.