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10 Reasons You're Not Rich


Many people assume they aren't rich because they don't earn enough money. If I only earned a little more, I could save and invest better, they say.

The problem with that theory is they were probably making exactly the same argument before their last several raises. Becoming a millionaire has less to do with how much you make, it's how you treat money in your daily life.

The list of reasons you may not be rich doesn't end at 10. Caring what your neighbors think, not being patient, having bad habits, not having goals, not being prepared, trying to make a quick buck, relying on others to handle your money, investing in things you don't understand, being financially afraid and ignoring your finances.

Here are 10 more possible reasons you aren't rich:

You care what your car looks like: A car is a means of transportation to get from one place to another, but many people don't view it that way. Instead, they consider it a reflection of themselves and spend money every two years or so to impress others instead of driving the car for its entire useful life and investing the money saved.

You feel entitlement: If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.

You lack diversification: There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.

You started too late: The magic of compound interest works best over long periods of time. If you find you're always saying there will be time to save and invest in a couple more years, you'll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.

You don't do what you enjoy: While your job doesn't necessarily need to be your dream job, you need to enjoy it. If you choose a job you don't like just for the money, you'll likely spend all that extra cash trying to relieve the stress of doing work you hate.

You don't like to learn: You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.

You buy things you don't use: Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven't used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.

You don't understand value: You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it's only when you learn to purchase good value that you have money left over to invest for your future.

Your house is too big: When you buy a house that is bigger than you can afford or need, you end up spending extra money on longer debt payments, increased taxes, higher upkeep and more things to fill it. Some people will try to argue that the increased value of the house makes it a good investment, but the truth is that unless you are willing to downgrade your living standards, which most people are not, it will never be a liquid asset or money that you can ever use and enjoy.

You fail to take advantage of opportunities: There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, "I could have thought of that." There are plenty of opportunities if you have the will and determination to keep your eyes open.

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Philippine Pharmacy Licensure Exam


Hi! We all know naman na kung ano anong mga seremonyas at mga rituals ang ginagawa natin like reviewing, mag practice sumagot ng mga questions, and etc bago mag take ng board exam.

Here's some tips para sa mga kukuha ng Pharmacy Licensure Exam (ito ang ginawa ko noon, sana makatulong sa inyo)

1. Listing all the Subjects- Think for a awhile, then isipin mo kung ano ba dapat ang una mong rereviewhin. Malaking tulong ang pag gawa ng list ng subjects na dapat aralin. Pag minsan kasi bara-bara tayo sa pag pili ng mga subjects na ating rereviewhin. Kung ano lang ang gusto natin un lang ang rereviewhin. hindi tama un.

2. Set priorities - Just think about it, kung ikaw ang normal students at graduate ka ng April, kukunti nalang ang panahon mo para mag review. More than 3 months nalang ang timeline mo para sa board exam. So you need to set priorities at kelangan din mag set ng goals and decide kung mag eexam ka ba talaga o hindi. Minsan kasi sasabihin mo sa sarili mo na mag eexam ka pero in fact hindi ka naman nag rereview. Happy go lucky ka nalang at pa mall mall nalang. Set your mind na mag bboard exam ka at hindi magbabakasyon.

3. Study Smart not Hard - ito minsan ang mali sa pag rereview. They are reviewing so hard and not smart. Kelangan mong maintindihan na ang exam ay multiple choice. Hindi mo kelangan i-memorize ang PACOP reviewer para pumasa ng board exam. What you need is to know the basics and to review everything na napag aralan mo noong nag aaral ka pa.

4. Be prepared - Most people think that taking a licensure exam conducted by the Professional Regulation Commission in the Philippines is difficult, but people don't usually notice that what makes the exam really difficult is that they lack the preparation neccessary in the board exam

5. Start Praying - I say when preparing for anything we have to ask a lot of help from someone or something which is of higher being. It is because from my experience it really helps a lot. BELIEVE that you will be helped but you must also do your part which is to study. Pray everyday. You don't necessarily have to go all the churches just to seek help. Its just the same being and the end results would just be the same. as quoted from my review instructor "Pray like there's no one to help you and Study like there's no prayer to help you." Just do your best and God will to the rest.

6. Review everyday and practice - There's no great preparation for the board exam than studying everyday. I am not saying you study 247. Just have time to study everyday. Studying is not reading. Having read the a chapter in the book does not mean you have learned the lesson(except for those gifted individuals of course). I suggest you read a chapter slowly and try to understand it very well. It's hard at the beginning but you'll get used to it because that's what you'll probably be doing from now on right? There are a lot of study tips available in the internet if you want to have a good study habit.

7. Reward yourself - From time to time reward yourself by going out at some place where you can relax your mind. It's important that rest your mind after studying because it is in this time that the brain will process what you have just studied. Dont study the day before the board exam. Lalo kang ma ttense kung ganun ang gagawin mo. At lalo mo lang makakalimutan ang mga nireview mo. Relax and just be prepared for the exam. Always get enough sleep. Optimum function ang brain kapag ikaw ay may pahinga. Dont watch TV, makipag-away sa BF, mag Mall, Manood ng sine. These task will divert all your knowledge at makakalimutan mo ang mga nireview mo.

8. Focus Focus focus - There is no greater way than focus. Just focus on your study and NEVER think that you will fail. You have no reasons to fail because you are studying. Focus focus focus and dont get nervous!

9. Read and Understand - The exam is simple, basahin mo at intindihan ang tanong. Simple di ba? You dont have memorized everything all you need is the understand what is being asked.

10. Be Healthy - Kumain ng tama. A sound mind is a sound body. Paano ka makakapag isip kung ikaw ay gutom. Humingi ng tulong sa mga kasam-bahay na dapat nilang maintindihan na ikaw ay nag rereview para sa board exam. Dapat ipagluto ka nila bigyan ng masusustansyang pagkain dahil kelangan mo un. Dont take too much fatty food, medicines, and other substances na pwedeng magpapoopoo sayo before the board exam. Mahirap ang pumunta sa CR para lang pumupoo.

Remember: "You don't have to be an honor student or a dean's lister to pass the exam. Being academically exceptional in college is not a guarantee ."

Tips before buying land


Hi everyone! I want to share some information and guide before buying a lot. You will need the following documents

Number 1. Original TCT (Transfer Certificate Title) from the Owner(Individual) or Developer. Check the authenticity in the Register of Deeds ng city/municipality or LRA.
Number 2. Deed of Absolute Sale (DOAS), between the Seller (Owner) and Buyer (YOU). Then, have it notarize as soon as possible.
Number 3. Tax Receipts and Tax Declaration (from Seller).
Number 4. Location Map and/or Vicinity Map.
Number 5. Release of Mortgage (if the property is currently morgage in the bank or financial institution).

Chinese Milk Products Still ban on the Philippines


MANILA, Philippines—The Department of Health’s ban on China-made milk and milk-based products that tested positive for melamine remains in effect.

Health Secretary Francisco Duque III said on Thursday that unless a product has been cleared by the Bureau of Food and Drugs to be melamine-free, the ban would apply.

"Consumers will stay away" from China-made milk products anyway even if the BFAD has not tested them and is still getting information from China about other melamine-contaminated products, according to Duque.