Thursday, February 27, 2014


We see and meet leaders in our daily lives. We work with them at our workplace. We listen to them during classes. We dine with them in our homes. We hear their sermons on Sundays. However, sad to say, not all leaders are effective when it comes to leading their flocks. Some followers become disenchanted that their lives somehow fall apart when leaders commit mistakes. 

Last week, I was blessed to attend a special training with a great leader. He is a minister of a religious organization as well as life coach in one of the largest companies in the Philippines that is expanding worldwide. He is Pastor John Fortune Gay.

They say people listen to you when they know you practice what you preach. You do what you say. You commit to what you affirm. That is leadership in practice.

He spoke for an hour but what I learned was like ten modules combined in one. Pastor John Gay talked about the fingers of leadership. Here is what I learned:

1. The Thumb (Strength of Character). The thumb is probably the most important finger. Lots of things cannot be done without it. Pastor John Gay said that it symbolizes strength of character.  A person who is a leader should have integrity and the character to do what he plans to do. He practices what he preaches or teaches. A good leader should have a great attitude. 

2. The Pointing Finger (Direction). A leader should know where he is headed. He must have direction. He knows his goals. He knows where his group is headed. 

3. The Middle Finger (Spirit of Excellence). Since a leader is a person of influence, he must exhibit excellence in what he does. He should be excellent in his work, at home, and even with his own character. 

4. The Ring Finger (Relationships). A leader should have good relationships with the people he deals with in his life. I remember his story about a teacher who gave an exam to his students. One of the questions was about the name of the utility worker cleaning the comfort room. The person telling the story then was ashamed that he did not get to know the name of the person concerned. The teacher was telling them that everyone is important. Relationships are important.

5. The Little Finger (Small Things).  People think that successful leaders become great leaders in one blink of an eye. However, they become great because of the small things they do everyday. A person who does well in small things do great when given responsibility with large things.

If you are an aspiring leader or is leading a flock or group of people who look up to you, these five fingers of leadership are great guides in honing ourselves to become a very good leader if not the best one.

Be the best leader that you can be.

To Your Success. 

 Lornajane Altura


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Monday, February 17, 2014


balance home-based business and work
1. Thou shalt not combine one with the other for each endeavour is a jealous one. 
You cannot intermingle business interests with your full-time job. Your boss will notice and keep an unreasonable eye on you and find fault on your daily actions. I remember a story about my friend who was into freelance writing and her boss kept on checking on her once in a while thinking she (friend) has left her guard down. 

2. Thou shalt not “worship” one or the other. 
Many who transition from a full-time job “worship” their home-based business and forget they still have duties and responsibilities with their current jobs. Pamela, a high school teacher, tend to forget about her classes while working on her business. This hurts her reputation as a worker.

3. Thou shalt not begrudge all the negativity of the full-time job.
People are never attracted to negative individuals. Even if your job sucks, it is never right to publicly announce how work makes you feel drained with all the negativity. Your positive attitude can be the tool in attracting others with your business. 

4. Remember Family Day.
Working on a full-time job and a home-based business can take its toll on a person. However, getting busy with either should never take away your time with your family. 

There was this story of a child who had a very busy father. One day, he asked as to how much is his day’s salary. The father told his child as to why he is very interested. The kid said he wants to buy his father’s time. Sad but true. Dads, moms, and even adult children do not spend quality time with their family anymore because they are so engrossed with work and business.

5. Honour thy boss.
In this world filled with people with imperfect traits, we can never have perfect workplaces. It is very possible that an employee finds himself a better “boss” compared to his boss at work. However, the golden rule is still to do unto others what you want others to do unto you. 

6. Thou shalt not end relationships because of poor money decisions.
Often times, money gets in the way of relationships. This especially holds true when business ventures are done with co-workers. Always remember that people are important. Never risk when the collateral is your friendship or relationship with the other.

7. Thou shalt not be disloyal.
You can show loyalty with your work and with your business. Give what is due to your work and give what is due to your business. That is loyalty.

8. Thou shalt not steal.
Time is a very precious commodity. Do not steal working hours with your business and vice-versa. Do time management wisely. Do not steal the time of one and use that with the other.

9. Thou shalt not engage with negative people.
Being around negative people drains the energy of even the most positive person. Working on a full-time job with negative people can release negative ions that can be absorbed by positive people. Being surrounded by negative people at work can affect your performance with your home-based business as well.

10. Thou shalt not covet.
The motivation with doing a home-based business while working on a full-time job is dependent on each person. However, keeping up with the Joneses should never be the reason why you engage in both. Be happy with the success of others.

If you agree with these commandments, share your thoughts about it.

To Your Success!

 Lornajane Altura


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Sunday, February 9, 2014


money mistakes avoid
We all make mistakes when it comes to handling money matters. Managing money is an important factor in life. However, too many Filipinos are making mistakes that hinder them from taking control of their finances.

Peso Mistake #1: Filipinos do not have clear financial goals.

Filipinos have this general idea of desiring their dream house and dream car. However, most Pinoys do not have an idea on what they really want and on how to get there.

Pinoys spend their money on shoes and clothes and some Starbucks.  Although these are needed (I doubt with the Starbucks part), they do not realize that their money goes to these items and not to their dream house or dream car. Buying more cappuccino is less likely to be found in their financial goals, but this is where most Pinoys spend their money on the little things.

If you know what you want, you will shift all of your resources towards that mark.

Peso Mistake #2: Filipinos avoid finances.

Pinoys tend not to look at their statement bills or even look at their bank account. Pinoys avoid discussing money with their parents, with their partners, because they do not want to create guilt or conflict, or discussion makes them too anxious.
It is recommended that this issue should be resolved rather than just put away. It is more stressful to avoid the problem rather than face the problem.

Peso Mistake #3: Filipinos do not know how much they are spending.

During my elementary days, I had this classmate named Ria Mae Corda, who at the mere age of 8 years, already knows how to take note of her finances. She had this small notebook and she uses this to record ALL of her spending for the day.
Imagine a small child knowing how to manage her finances yet most adults do not even know where their money goes to. Pinoys know the big bills like rent or electricity bill, however, they do not know where their money goes on the smaller stuff like new clothes or groceries.

Walkington, a Canadian money coach, recommends keeping record of everything for a few months to know where the money goes. She advises to make a limit to each expense and not to spend beyond it.

Peso Mistake #4. Filipinos depend on credit.

Suze Orman, a Pinoy financial coach, said that credit card debt is “financial sin.” She gives advice that before saving money, before investing, the number one goal is on how to pay off the credit card debt. Pinoys will be in greater problem at the 36% interest.

These are four common money mistakes that you do not know you’re doing. You should start creating and defining your financial goal. Even if you think that your financial outlook does not look so bright, you still can manage your money.

Create your goal, be motivated by it, manage your finances, and then your financial future will look brighter.

To Your Success!

 Lornajane Altura


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Friday, February 7, 2014

Pinoy Millionaire Series: Success Story of A Web Developer/Programmer

"Plan your early retirement."

This is one of the tips of our feature for the third in our Pinoy Millionaire Series.

From a nurse, to a doctor, we now have a successful Pinoy web developer/programmer to be featured.

Read this interview and learn tips on how to be successful financially.

1. What is your complete name?
Arnel Cristobal Navarra

2. Where did you grow up?
Tondo, Manila

3. How young are you?
41 years old

4. What was your profession?
Graphic artist, web designer, web developer/programmer

5. How would you describe yourself in a sentence?
I am a bit emotional but helpful most of the times. 

One of Arnel's pet projects about financial literacy
6. What used to be your perspective in life when it comes to becoming successful financially? What is your perspective now?
Old: be a successful programmer

Now: be a successful entrepreneur. Not really a company man.

7.  What was the turning point in your life that made you who you are today?
When I realized my income would not make my family survive when I reach the age of 50. 

8.  What are your current successes in life?
I'm enjoying much of my time for my wife and kids now. More time to focus on developing assets. 

Arnel does Goal Setting 101 with his team
9.  What motivates you to do what you do?
I always look at my kids and I always remember my promises to my one and only wife.

Arnel as fun-loving Dad
10. How did you reach your current success?
I really planned for an early retirement. I decided to focus on doing business rather than being employed for the rest of my life. I really stopped working in 2006 did printing business. after 6 months .. closed. I continued as freelance programmer. developed my web development company in dec 2006 only to realize ....I'm just doing all the tasks.

Arnel enjoying his free trip to Singapore
11. Do you believe that a person who works hard will become successful?
I believe. only with right opportunity and must have adequate financial education. 

12. Can you tell us briefly of your business that made you succeed?
I joined the biggest DS/MLM company in the country in April 2011. That's AIM global. I stayed focused on developing programs for my team and founded Dreamweavers Alliance Internationale, Inc.

13.  What is your favorite quotation?
"Huwag kang magmamadali. Bilisan mo lang!" - Arnel Navarra

Delight thyself also in the Lord: and he shall give thee the desires of thine heart. Psalm 34:7

14. Who do you consider as your mentors in your financial success?

Primarily my Pastor
My Fav author Robert Kiosaki
and the Word of God
Christ Himself
My former Chinese boss... Sir King Go

Arnel enjoying the first fruits of Leverage
15. What are the steps that you did so you can reach your status now?
I just focused on what is urgent and important
.... focus on leverage and NOT income.

16. What are some tips that you can give to aspiring millionaires?

a. Be financially literate first
b. Plan your early retirement. Chinese retires at the age of 30.
c. Know your needs and wants
d. Establish income generating assets to provide for your needs and wants
e. Maintain a low liability life-style.
f. Master the difference between assets and liabilities
g. If you want to start a business ... start with Network Marketing.
h. Then develop more business or create more assets.

End of Interview.

Hope you learned great insights from another Pinoy millionaire.

To Your Success!

Lornajane Altura


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Tuesday, February 4, 2014

Pinoy Millionaire Series: Success Story of A Doctor

"Success is a Choice."

This is the favorite quotation of our second feature for the Pinoy Millionaire Series.

If you can remember our first Pinoy Millionaire, the person featured in here is the one closest to her heart. 

Read on and be inspired.

1. Can you tell us a little about yourself
a. Complete name
Dr Jeffrey O. Yap

b. Where did you grow up?
Davao City 
Doc Jeff with the Power Men of his industry

c. How young are you?
Next Question Please!!! Joke Lang 40

d. What was your profession?
Physician 3rd Year Surgical Resident

2. How would you describe yourself in a sentence?
I’m fun loving, Respectful, Group-Oriented, TEAM Player, God Fearing

One of Doc Jeff's proudest moments
3. What used to be your perspective in life when it comes to becoming successful financially? What is your perspective now?

Before getting rich was not in my system all I aspire was getting things just for the daily needs in life and a little of everything, my belief was more money is for the rich and I did not see myself as rich. But when I was 4th grade I was able to help my mother earn a third to half of her salary by selling fruits in school.
Now , the drive that moves me is to secure my family and to help more people realize that life is not just work and home and never realize retirement at an early age..

4. What was the turning point in your life that made you who you are today?

Turn of events, time where you wish you had more money. And the choice of not allowing this events to happen again.
Doc Jeff shares his medical expertise to a junior HS researcher

5. What are your current successes in life? 
I was able to create a stable income that makes me sleep soundly at night, plus the number of people, whose life we are able to touch and empower too…

Doc Jeff continues to inspire his group members
6. What motivates you to do what you do?
My Definition of prosperity…. “Having less needs and an abundance to help other people…”

7. What is your favorite quotation in life? 

8. Who do you consider as your mentors with your financial success?
I have plenty, not only in the financial but also in the emotional, personal, relational, and spiritual.

Great motivational speaker

9. What are the steps that you did so you can reach your status now?
Persistent and consistent daily activities. Result oriented mindset. Quick to adjust attitude

10. What are some tips that you can give to aspiring millionaires?
Aspire to have a right mind-set. Success does not start in the wallet it starts in the mind-set.

End of Interview

Hope you learned insights from a successful Pinoy millionaire.

To Your Success!

Lornajane Altura


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Saturday, February 1, 2014

How to Deal With Negative People

You might have friends or co-workers who are negative. You know that these are not the most enjoyable people to spend time. These people always find a way to pull things in a negative light. You might feel that your energy is drained just by being around these people.

So what are the ways to deal with negative people in your life?

1. Do not argue with them. You have to learn not to have an argument with negative people. A negative individual will always have many reasons to counteract what you said. You will be pulled into more negativity. If you provide constructive comments and the negative person does not show he will back down, then do away with him.

2. Show empathy. Negative people react better when they get an emphatic ear than solutions/suggestions on what should be done. You can always help them solve their problems by helping them address their emotions. 

3. Help them. People who complain do that because they are crying for help. They might not know that is what they feel. You can always ask them if they are okay or if you can do anything for them.

4. Discuss light topics. You should deal with light topics as negative people are triggered with some topics. 

5. Disregard the negative comments. One strategy in helping the negative individual is to disregard negative comments. Answer “I see” or “OK” when he continues with being negative. But, if he is being positive, reply in enthusiasm and affirmation. He will notice that and will adjust accordingly. 

6. Affirm him with his positive traits. You can always plant seeds of positivity with the negative person if you praise him or affirm him with his good traits. This person might show resentment at first but he will good inside. 

7. Be proactive. If you see a person is negative or not, it is you who sees the person as negative or not. Instead of dealing with his bad trait, focus on the goodness of the other person. 

8. Avoid them. If you have done everything and they still continue being negative, then you should avoid contact with them. If he is a good friend, then you should inform him about the severity of the problem. It is not good for you to spend time with people who drain you. You should spend it with people who affect you in a positive way. 

Negative people can influence people around them. Be careful when you deal with these people.

Stay positive!

To Your Success!

Lornajane Altura


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