Success in the midst of Crises

Mindanao Business Conference

Ardy Roberto Co-Founder, Salt & Light Ventures, Inc Inspire Leadership Consultancy, Inc.

Entrep10 Awardee, Microsoft Most Inspiring Entrepreneur

Co-Columnist, Philippine Daily Inquirer’s MarketingRx Author, S4, Heart of Healing, Buhay na Hindi Bitin, Pera na Hindi Bitin

www.saltandlight.ph

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Diagnostic Test:

Stare for a few seconds at each of the following patterns.

  Are the patterns moving?

  Or are they perfectly still??

The patterns are used to test the level of stress a person can handle. None of these images are animated - they are perfectly still.   The slower the pictures move, the better your ability of handling stress.    Senior citizens and kids see them standing still. Alleged criminals that were tested see them spinning around madly.  How did you do with the test??

Are you stressed out because of a “crisis?”

Some examples...

Some examples...

General Motors

Chrysler Corporation

AIG (American International Group)

Legacy Group

Goodyear – Financial Crisis pinch

Adolf Merckle Commits Suicide

Bird Flu, SARS, Swine Flu, etc

Greece, Japan, CJ Leadership/Integrity, Mindanao Power Crises, etc

Insect Inter (Thailand)

We are ALWAYS in CRISIS mode

1972 Martial Law

1983 Ninoy Assassination

INFLATION RATE:

______ 65%

1987-1990 Coup de Etats during Aquino Administration

1992-1993 Philippine Political and Energy Crisis

1997 Asian Financial Crisis

9/11

35

EDSA Dos

36

37

38

39

Identity Crisis

Greece, Japan, CJ Leadership/Integrity, Mindanao Power Crises, etc

“If you think and dwell on crises, it will cause mental and spiritual paralysis!” – Ardy Roberto

To survive and thrive in a crisis:

THINK WELL

Your MIND = your best friend

or your worst enemy

“You become what you think about most of the time”

– Earl Nightingale, The Strangest Secret

This is a BRAIN CELL.

It is the basic building block of your brain. You have

1,000,000,000,000 a million million cells in your brain. We use just 2%!

Brain Cell

If a neuron dies, the surrounding neurons will take over some of the activity from the disabled one. You can actually grow new dendrites if you continue to intellectually stimulate yourself through reading, doing puzzles, and playing games like chess.By creating more dendrites and more connections, you create more chances for thought generation. So every time you have a new thought, you literally change your brain at a chemical, electrical, and physical level. MOST IMPORTANT…… a thought is real!

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THE STORY OF NICK – Family man. But a worrier and pessimist. A railroad worker who always expected worse to happen... And then one day while working at the railroads

Nick got accidentally locked!

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Since he was in a refrigererator car, Nick assumed that the temperature inside was a freezing 0°C. He started shivering and thought to himself, “I'll freeze to death if I don’t get out of here.”

Nick wrote a message to his wife and family on a cardboard box:

“So cold,” “…body's getting numb. If I could just go to sleep.

These may be my last words.”

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The strange thing was the boxcar’s refrigeration unit was broken and the temperature inside was just around 16°C — far from freezing.

But the autopsy on Nick’s body showed that he had frozen to death!

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Nick’s thoughts froze himself to death.

“Let me assert my firm belief that the only thing we have to

fear is fear itself.” Franklin Roosevelt, US President

(speech during Great Depression of 1933)

F alse E ducation A ppearing R eal

“As a man thinketh in his heart, so is he.”

– Proverbs 23:7 King Solomon

What are the thoughts in your mind?

What do you think about most of

the time?

Are you hopeful? Or are you worried?

Study on Worry: “What People Worry About”

40% are worrying about things that never happen anyway. 30% are worrying about past, unchangeable decisions. 12% are worrying about illnesses that never

happen. 10% are worrying about adult children and friends

(who are able to take care of themselves). Only 8% are worrying about real problems. 92% ng lahat ng pinoproblema ng maga tao are about

things that are not within our control!

Paul to the Philippians (gamot sa worry) “Don’t worry about anything; instead, pray about everything. Tell God what you need, and thank him for all he has done. If you do this, you will experience God’s peace, which is far more wonderful than the human mind can understand. His peace will guard your hearts and minds as you live in Christ Jesus.” Philippians 4:6-7 (New Living Translation

Placebo Case Study

www.saltandlight.ph

Placebo heart surgeries anyone?

Businessweek, reporting on the economics of the billion-dollar heart surgery industry, reported that those who had thought they had undergone laser heart surgery to improve their blood

flow received the same benefits as those who went through actual heart surgery.

I.e. “Hindi na barado!”

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The Pygmalion effect

Self-fulfilling prophecy Examples:

Children – “baka madapa ka!” “bobo!” “Friends” – “baka malugi ka!”

Country – “Wala nang pagasa”

Pygmalion effect in business

...performance will improve if your supervisors communicate positive thoughts about people to people. If the supervisor actually believes that every employee has the ability to make a positive contribution at work, the telegraphing of that message, either consciously or unconsciously, will positively affect employee performance.

What are the thoughts in your mind?

What do you think about most of

the time?

Are you hopeful? Or do you worry?

Fact: Crisis is the new reality. The only thing constant is change. Change happens through crises. People move out of their comfort zones and change things because of a crises.

How to survive and thrive in crises: Innovate

“get out of your comfort zone”

Insect Inter (Thailand)

"I have absolutely no doubt that our crispy, crunchy crickets will replace popcorn as a favourite snack in cinemas“ - Mr Satapol Polprapas, InsectInter Founder, 29 yrs old (started with just P160 investment)

Insect Inter (Thailand) #1 in Insect-fast food category

Insect Inter (Thailand)

Ø 60+ outlets

Ø Over 15M Baht in sales @ year Ø 100 new franchisees

Slogan: “Never mind the look, it tastes great“ founder – Satapol Polprapas

* Annual World Wife Carrying Contest (Sonkajarvi, Finland)

* Annual World Wife Carrying Contest (Sonkajarvi, Finland)

Grand Prize: Beer (equivalent to your weight) + “Fun”

* Annual World Wife Carrying Contest (Sonkajarvi, Finland)

Result of innovation:

local economy turned around. Contest generates over US$250 in

estimated economic benefits to the small town of Sonkajarvi.

Very happy customers with a transformational experience (vs

transactional)

MINDSET #1: M – B – A : M – Mangarap {Dream!}

Edwin Pages story: from beerhouse business to Online real estate magnate

- Edwin Pages

Honesty Coffee Shop

Self-service

Honesty Coffee Shop

Walang pang suweldo para sa guard? Walang problema!

Walang pang suweldo para sa guard? Walang problema!

Problem turned into opportunity: Honesty Coffee Shop – Batanes

Myshelte

A world full of junk We don’t want a polluted Earth

Seeing Possibilities

Solar Bottle Light Natural daylight for the community

What is the common source of light?

Bulbs •  Consume energy •  Cost of electricity

Made from readily available & recyclable materials…

2L PET soda bottles encased in GI corrugated

sheets

Easy to assemble…

Provides a good source of light

equivalent to 55 watts

Before and After

“There is always a solution to a problem if you are open-minded, creative and

persistent.”

Adventures/crises develop your AQ

Adversity Quotient.

Gives you stories to share

An AQ Story / Adventure Early 90s - 2X Swindled…

Mid 90s - Bankrupt… 2000 - Almost lost wife to lupus (almost

widower) ; went bankrupt again AQ Developed:

2001 > Started 4 different businesses Recognized as 1 of EntrepTop10 in ’06*

Enjoying new adventures…

“Most Successful...”

...failure!”

{Everything that we could do wrong, we did wrong...}

sobrang lugi! nabaon ako sa utang sold the business

bible study applied God’s word miracles of faithful stewardship -  zero debt within 1 yr -  married within means -  honeymoon in Europe

“God has a purpose behind every problem. …He uses

circumstances to develop our character.”

- Rick Warren, The Purpose Driven Life

AQ: Adversity Quotient

123

Raising Funds by Producing, Organizing and Promoting Events (c) Ardy Roberto 2008

“Character cannot be developed in ease and quiet.

Only through experience of trial and suffering can the soul be

strengthened, ambition inspired,

and success achieved.” - Helen Keller

Salt & Light Ventures

“Consider it pure joy…whenever you face trials of many kinds, because you

know that the

testing of your faith develops perseverance.”

James 1:2,3

October 2000

“Miracle” Healing: But serious kidney damage Chemotherapy? Dialysis? None.

127

MyHeartofHealing.com (c) Ardy Roberto 2008 - buy the Heart of Healing at OMF.com

128

Raising Funds by Producing, Organizing and Promoting Events (c) Ardy Roberto 2008

“We are all faced with a series of great opportunities disguised as impossible situations.” – Chuck Swindoll

4

3

Fearless : Anthony Robles – Champion NCAA Wrestler

Fearless : Jessica Cox – First Filipina pilot

Fearless : Jessica Cox – First FilAm licensed pilot w/o ...

“In golf, as in life, if you really, really want something… Nothing should hold you back. So stop blaming others if your game is lousy. Blame yourself, and fix it.” – Paolo Olives

Think on these things…

Finally, brethren, whatsoever things are true, whatsoever things are honest,

whatsoever things are just, whatsoever things are pure, whatsoever things are

lovely, whatsoever things are of good report; if there be any virtue, and if there be any

praise, think on these things. – Phil 4:8

SO THINK WELL!

Remember: “You become what you think about

most of the time.”

FREE! Text your name, organization,

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Insect Inter (Thailand)

Insect Inter (Thailand)

Insect Inter (Thailand)

Insect Inter (Thailand)

Diagnostic Test:

Stare for a few seconds at each of the following patterns.

  Are the patterns moving?

  Or are they perfectly still??

www.saltandlight.ph

Different and conflicting advice can be confusing and stressful.

“Do not let this Book of the Law depart from your mouth; meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful.” - Joshua 1:8

The Bible has 500 verses on prayer; 500 verses on faith; but over 2,300 verses on money and possessions.

Insect Inter (Thailand)

Based on Research,

experience and scripture truth

Ardy Roberto

Author, Pera na Hindi Bitin

www.saltandlight.ph

7 Money Management Strategies in good and bad times...

strategy 1

Save

Start a Joseph Fund before a crisis starts

The Joseph Fund (Genesis 41) “It is just as I said to Pharaoh: God has shown Pharaoh what he is about to do. 29Seven years of great abundance are coming throughout the land of Egypt, 30but seven years of famine will follow them. Then all the abundance in Egypt will be forgotten, and the famine will ravage the land. 31The abundance in the land will not be remembered, because the famine that follows it will be so severe. 32The reason the dream was given to Pharaoh in two forms is that the matter has been firmly decided by God, and God will do it soon."

The Joseph Fund (Genesis 41) 33“And now let Pharaoh look for a discerning and wise man and put him in charge of the land of Egypt. 34Let Pharaoh appoint commissioners over the land to take a fifth of the harvest of Egypt during the seven years of abundance. 35They should collect all the food of these good years that are coming and store up the grain under the authority of Pharaoh, to be kept in the cities for food.

The Joseph Fund (Genesis 41) 36This food should be held in reserve for the country, to be used during the seven years of famine that will come upon Egypt, so that the country may not be ruined by the famine.” 37The plan seemed good to Pharaoh and to all his officials. 38So Pharaoh asked them, “Can we find anyone like this man, one in whom is the spirit of Godb?”

20 – 20 Strategy: Save 20% of your income, 20 years before you want to retire

example: If you earn P7,500 a month, save P750 every month by automatic transfer or deposited to your special savings account na nagbibigay ng at least 7.5% interest per annum (or per year). P750@ mo 3 yrs = P30,000 5 yrs = P54,000 10 yrs = P132,000 20 yrs = P400,000 30 yrs = P1,000,000!

Savings of P2,000 a month for 20 years = P935,323

Savings of P4,000 a month for 20 years = P1,864,025 *6% p.a. compounded monthly

Savings of P10,000 a month for 20 years = P4,676,613 *6% p.a. compounded monthly

Savings of P1,000 a month for 20 years = P467,661

Fact: 90% of Filipinos are “broke or will die broke” - Bank of the Philippine Islands (BPI) study

strategy 2

give

The Malachi 3:10-11 Insurance Policy “10 Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it. 11 I will prevent pests from devouring your crops, and the vines in your fields will not drop their fruit before it is ripe,” says the LORD Almighty.”

"Remember this: Whoever sows sparingly, will also reap sparingly, and whoever sows generously will also reap generously.” 2 Corinthians 9:6 NIV

“Give generously to him and do so without a grudging heart; then because of this the LORD your God will bless you in all your work and in everything you put your hand to.” – Deuteronomy 15:10

Start up: Salt & Light Ventures 2000

How do I grow this business?

10 years after the “most successful failure” concert business in CDO…a seminar with 14,000 people!

PICC: 4,000 people

Total for 2 days: 18,000 people

“When profit is unshared, it’s less likely to grow greater.” Malcolm Forbes

strategy 3

get out of debt and stop borrowing

The Romans 13:8 Debt Payment Plan “Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law” Pay off ALL your debts; love one another.

Mahirap ang mabaon sa utang. Sabi ni King Solomon: “The rich rules over the poor, and the borrower becomes the lender’slave” (Proverbs 22:7, NASB)

Why people get into debt

I – Impulsive buying / indulgence P – Poor planning (no planning) I – Ignorance S - Shopping sprees / short term view of savings

Pray before you pay.

strategy 4

Live Simply “Mabuhay ng simple!”

The 1 Timothy 6:6-7 True Wealth Formula "Yet true godliness with contentment is

itself great wealth. 7After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it.” Paul to Timothy 1 Timothy 6:6-7, NLT

US$89 billion dollar man

‎"The happiest people don't have the best of everything; they just make the best of

everything they have." ~ Dr Aggie Sarthou, PhD at the last

Happy at Work conferenc

FRUGAL: IKEA billionaire owner rides bus,

flies economy class

“Being frugal* is the cornerstone of wealth building.” - The Millionaire Next Door

champion boxer – earned $300M career (P13.5B) employed 200 (drivers, bodyguards, chefs, gardeners, etc) $4.5M on cars and motorcycles $3.4M on clothes and jewelry $7.8M personal expenses $140,000 tigers + $125,000 trainer $2M bathtub as gift to wife $410,000 birthday party $230,000 cellphones 2005 Utang/Debt = $38M

champion boxer – champion gastador 2005 Utang/Debt = $38M

‎“We are not made happy by what we

acquire, but by what we appreciate.” - Francis Kong

Making the best of everything you have; appreciate what you

have already: contentment

strategy 5

Magsipag, Mag-negosyo

The Proverbs 10:4 Get Rich Slow Scheme “Lazy people are soon poor; hard workers get rich.” King Solomon -Proverbs 10:4, NLT

“All hard work brings a profit, but mere talk leads only to poverty” King Solomon - Proverbs 14:23

Work HARD vs EASY Money mentality

P80M Lotto Winner, Naputulan ng Kuryente. "Last Sunday’s debut telecast (True Stories on QTV featured) the story of a man who won over P80 million playing the lotto sweeps—and eventually lost most of it. In fact, his fortunes have fallen so low that the electricity in his “mansion” has been cut off, and his kitchen shelves are bare. (Inquirer.net, 1/29/10.

Florida Lotto winner wished he had never won. Family members say Abraham Shakespeare, a truck driver's assistant, was constantly hounded for a piece of his $30 million lotto winnings. Shakespeare's brother told The Associated Press that Shakespeare often wished he had never bought the winning ticket. `` `I'd have been better off broke.' He said that to me all the time,'' Robert Brown said. (In April of 2009, Shakespeare was murdered and buried in the backyard of his friend.) Read more: http://www.miamiherald.com/

Microfinancing

MFI’s – WorldVisionMicro.org Maragondon, Cavite Natural/organic farming Organically fed hogs – P10k @

direct selling distributorship. www.dsap.ph

“A must-read for wanna be entrepreneurs.”

– Prof Andy Ferreria, Dean, ME Program, AIM

Winner –

Chairman’s Award

Direct Selling Association of the Philippines

Franchising http://www.gmbfranservice.biz/

strategy 6

Mag-invest

Double your money offer

The lesson is “If it’s too good to be true, it probably is!”

“Before you invest, investigate.”

The 1 Timothy 6:9-10 Investment Caveat “People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs” (1 Timothy 6:9-10)

NBI WARNS OF MORE PYRAMID SCHEMES Philippine Daily Inquirer, February 23, 2008

SHOWBIZ CELEBS INVESTED IN FRANCSWISS SCAM Philippine Daily Inquirer, July 11, 2007

FORMER PBA CAGER ADMITS LOSING MONEY TO FRANCSWISS Inquirer.net July 18, 2007

BOGUS ‘SM’ ONLINE FIRM LURES INVESTORS Manila Times, July 13, 2007

Investing in Real Estate? Read Larry Gamboa’s “Think Rich Pinoy” book. Tip: Look for foreclosed properties through bank listings and auctions

Stock Market

“If you are a disciplined investor, at nag-iinvest ka regularly ng P5,000 a month for the next 20 years in Blue Chip stocks or shares, after 20 years, your shares should be worth P20 million pesos.

strategy 7

Educate Yourself

Jinggoy: Daddy anong spelling ng saksesful? single ba o double "s"? Erap: tatlohin mo na para sigurado!

Record breaking country

226

“Masa” mentality

•  Spend for things they believe they “need” - Colored TV /DVD

•  Splurge on celebrated occasions: Christmas, New Year, Valentine (Western influenced); fiesta, jueteng (Native Filipino)

227

Lower/Middle Class Segment

•  Ubos ang pera sa Bingo, Lotto, Billiards, Sabongan…

Magsubscribe sa Wealthy & Wais text service. Just text WEALTHY and send to 2910 (Smart/Globe ) Simple lang!

Get daily encouragement on how to wisely manage your finances for just P2.50@day.

Magsubscribe sa Go Negosyo Text Tips service. Just text Go Nego and send to 2910 (Smart/Globe)

Simple lang! Get daily encouragement on how to start up and run a business for just P2.50@day.

Look for scholarships and educational exchange programs for yourself or your children.

Budget 10% of your personal income for continuing education, seminars, books

Important Educate yourself on how to be healthy. Take responsibility. Or else you’ll spend what you saved and earned to gain back your health. Health is wealth!

If God asked you what you wanted, what would you ask for?

2 Chronicles Unli-Plan “That night God appeared to Solomon and said, ‘What do you want? Ask, and will give it to you!’ 2 Chronicles 1:7-12

Solomon replied to God, ‘you showed faithful love to David, my father, and now you have made me king in his place. O LORD God, please continue to keep your promise to David my father, for you have made me king over a people as numerous as the dust of the earth! Give me the wisdom and knowledge to lead them properly, for who could possibly govern this great people of yours? 2 Chronicles 1:7-12

2 Chronicles 1:7-12 God said to Solomon, ‘Because your greatest desire is to help your people, and you did not ask for wealth, riches, fame, or even the death of your enemies or a long life, but rather you asked for wisdom and knowledge to properly govern my people—I will certainly give you the wisdom and knowledge you requested. But I will also give you wealth, riches, and fame such as no other king has had before you or will ever have in the future!.”

Sabi ni Haring Solomon, na naging pinakamayaman na hari even after he asked God to bless him with wisdom, “Trust in the LORD with all you heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight” (Proverbs 3:5-6)

Ending story

“And my God will meet all your needs according to His riches in glory in Christ Jesus” (Philippians 4:19) Sa Tagalog, “At buhat sa hindi mauubos na kayamanan ng Diyos, ibibigay niya ang lahat ng inyong kailangan sa pamamagitan ni Cristo Jesus. Purihin ang ating Diyos at Ama magpakailanman! Amen” (Filipinos 4:19-20, MBB)

Thank you!

www.saltandlight.ph

From the Roberto family

Facebook.com/angpera Cel: +0920-9519618 Email: ardy@saltandlight.ph

Diagnostic Test:

Stare for a few seconds at each of the following patterns.

  Are the patterns moving?

  Or are they perfectly still??