1. ESBI MentalityESBI Mentality
Journey to Financial FreedomJourney to Financial Freedom

2. Be Happy
Ecclesiastes 5:19 says, If God
gives a man wealth and property
and lets him enjoy them, he
should be grateful and enjoy
what he has worked for. It is a
gift from God.

3. What is Financial Freedom?
Financial freedomFinancial freedom is much more than having
money. It’s the freedom to be who you really are
and do what you really want in life. If you want to
be financially-free, you need to become a different
person than you are today and let go of whatever
has held you back in the past. It’s a process of
growth, improvement and gaining spiritual and
emotional strength to become the most powerful,
happy, and successful “you” possible. That is the
true reward of financial freedom.

4. You can take control of your situation,
no matter what it is, and enjoy financial
freedom.
Enjoying the rewards of financial freedom is
simply a matter of increasing your financial
education and determining where you arewhere you are
nownow financially and where you want to gowhere you want to go.

5. Secrets of the RICH
No. # 1 : The RICH understands the
Importance of Financial Intelligence
B / S
I / S
Income
Expense
Assets Liabilities
PutsPuts
money inmoney in
youryour
pocketpocket
TakesTakes
moneymoney
out ofout of
youryour
pocketpocket
Cash flowing INCash flowing IN
Cash flowing OUTCash flowing OUT
Feeds You Eats You
Maximize
Minimize

6. Remember These 3 Investments
Divide your money into three investments:
Step 1: Invest 10% in your Eternity
Give All You Can (Tithing)
Step 2: Invest 20% in your Maturity
Earn & Save All You Can (Invest & Savings)
Step 3: Invest 70% in your Family
Invest in people … Invest in relationships …
• In reality, everything is an investment.

7. Follow These 3 Rules
• Rule 1: Invest in your future beforeInvest in your future before
your present.your present.
• Rule 2: Enjoy the simple before theEnjoy the simple before the
complex.complex.
• Rule 3: Enjoy people before things.Enjoy people before things.

8. Rule # 1Rule # 1 : Invest In Your FutureInvest In Your Future
Before Your PresentBefore Your Present
Money Strategy Of The PoorMoney Strategy Of The Poor
• This method will make you poor—
no matter how much money you earn.
• Here it is:
Income – Expense = Tithes & InvestmentsIncome – Expense = Tithes & Investments

9. Secrets of the RICH
No. # 2 : The RICH don’t work for money
B / S
I / S
Income
Expense
Assets Liabilities
THE POORTHE POOR

10. Secrets of the RICH
No. # 2 : The RICH don’t work for money
B / S
I / S
Income
Expense
Assets Liabilities
MIDDLE CLASSMIDDLE CLASS

11. Rule # 1Rule # 1 : Invest In Your FutureInvest In Your Future
Before Your PresentBefore Your Present
Money Strategy Of The RichMoney Strategy Of The Rich
• It’s really all a matter of right order.
If you do it this way, you’ll be wealthy.
• Here it is:
Income – Tithes & Investments = ExpenseIncome – Tithes & Investments = Expense

12. Secrets of the RICH
No. # 2 : The RICH don’t work for money
B / S
I / S
Income
Expense
Assets Liabilities
THE RICHTHE RICH
(--) Corporate
Expenses

13. ExamplesExamples : Invested in theInvested in the
Present Before Their FuturePresent Before Their Future
The Story Of Mr. PresidentThe Story Of Mr. President
I know of a President of a company who—years ago—I know of a President of a company who—years ago—
earned P200,000 a month. This was at a time whenearned P200,000 a month. This was at a time when
P200,000P200,000 waswas P200,000. Mr. President had a nice house,P200,000. Mr. President had a nice house,
three nice cars, country club shares, and travelled manythree nice cars, country club shares, and travelled many
times a year.times a year.
He’s now retired and lives a very different lifestyle. No moreHe’s now retired and lives a very different lifestyle. No more
nice cars, no more country club shares, and no morenice cars, no more country club shares, and no more
money. He now depends on his kids to put food on hismoney. He now depends on his kids to put food on his
table. Reason? He is poor today because he used thetable. Reason? He is poor today because he used the
Money Strategy of the Poor. He invested in his presentMoney Strategy of the Poor. He invested in his present
before he invested in the future.before he invested in the future.

14. ExamplesExamples : Invested in theInvested in the
Present Before Their FuturePresent Before Their Future
Scottie Pippen,Scottie Pippen, Michael Jordan’s Chicago BullsMichael Jordan’s Chicago Bulls
teammate, earned $120 Million in his basketballteammate, earned $120 Million in his basketball
career. But he got bankrupt.career. But he got bankrupt.
We think that all NBA players are rich.We think that all NBA players are rich.
Here’s the truth: Sixty percent (60%) of NBA players, afterHere’s the truth: Sixty percent (60%) of NBA players, after
five years of retirement, go bankrupt. Sixty percent!five years of retirement, go bankrupt. Sixty percent!
Evander HolyfieldEvander Holyfield earned $250 Million in his boxingearned $250 Million in his boxing
career. But he too got bankrupt.career. But he too got bankrupt.
Mike TysonMike Tyson, earned $400 Million in his boxingearned $400 Million in his boxing
career. (Just to let you feel the size of that money—that’scareer. (Just to let you feel the size of that money—that’s
P17 Billion.) Yes, he too got bankrupt.P17 Billion.) Yes, he too got bankrupt.

15. Rule # 2Rule # 2 : Enjoy The SimpleEnjoy The Simple
Before The ComplexBefore The Complex
• Here’s my point. If you’re not going to simplify
your life, you’ll find a way to spend your
money—no matter how much money you
have.
• Learn to enjoy simple things. Or else you’ll
never earn enough.
Key To Wealth: Delay GratificationKey To Wealth: Delay Gratification

16. Be Content
• The Bible says, But godliness
actually is a means of great gain
when accompanied by
contentment. (1 Timothy 6:6)

17. Be Careful
If you enjoy simple things, you’ll avoid
shopping on impulse.
Proverbs says, Plan carefully and you
will have plenty; if you act too quickly,
you will never have
enough. (Proverbs 21:5)

18. Be Credit Free
The Bible also says that The borrower
becomes a slave of the lender
(Proverbs 22:7).

19. Rule # 3Rule # 3 : Enjoy People BeforeEnjoy People Before
ThingsThings
• God doesn’t want you to be a miser. God wants
you to enjoy your wealth.
• Here’s the key: Save your money, yes, but spend
your money to enjoy the deeper things of life. In
other words, enjoy people before things.
• At the end of the day, it’s people who will make
you happy. Save on stuff. Save on things. But
don’t save on love. INVEST IN LOVEINVEST IN LOVE

20. Journey to Financial FreedomJourney to Financial Freedom

21. Where are you now ?
Where are you going ?
21

23. Monday, October 7, 2013 23

24. ESB + ESBI 29.50 Months
= 2.4 yrs
IF you SAVE and INVEST
(ESB + ESBI)
5% = 2.4 yrs of Financial
FREEDOM
10% = 4.2 yrs of Financial
FREEDOM
15% = 6.0 yrs of Financial
FREEDOM
20% = 7.8 yrs of Financial
FREEDOM
25% = 9.6 yrs / 30% = 11.4
yrs of Financial FREEDOM

26. Actual Application of
Project HOPE
As of 15As of 15thth
May 2013May 2013
27 LRM Pastors27 LRM Pastors
15,610 Blue Chip Shares15,610 Blue Chip Shares
Market Value @ Php 857 K … withMarket Value @ Php 857 K … with
Php 112 K 15% GAIN in 4 months …Php 112 K 15% GAIN in 4 months …

27. Gained Php 112K in 4 months ..Gained Php 112K in 4 months ..
+ 15%+ 15%
Period : Started Trading from 15Period : Started Trading from 15thth
Jan 2013 todate 15Jan 2013 todate 15thth
May = + 15 %May = + 15 %
GAIN.GAIN.
LRM ProjectLRM Project
HOPEHOPE
(( HHelpingelping OOurur
PPastorsastors EEnd well )nd well )

28. Operating Guidelines
& Procedures

29. Project HOPE – Opening
Guidelines & Procedures
1) PH member to fill up Account Information Form & Specimen Signature Form to be
reviewed and filed by SO or assigned Sector Accountant.
2) PH member commits to invest SAR _______ / month to be withdrawn upon final exit or
termination of work contract or other justifiable reasons as approved by PH
Management Team (HP, SA & SO). Min. contribution of SR 200 / month for a Minimum
Period of 2 Years.
3) Every month, each PH member gives their contribution to SO or assigned Sector
Accountant for recording and fund consolidation then sends FULL collection via bank
remittance directly to trading account bank details.
4) SO or assigned Sector Accountant sends scanned copy of remittance receipt to PH
Portfolio Manager for fund transfer visibility.
5) Upon confirmation of receipt of remittance, PH Portfolio Manager starts trading
(BUYING) Blue Chip Stocks. Sends confirmation of stock purchases to SO or assigned
Sector Accountant for PH ledger update. Note: Standard Buying taxes, VAT, & COL
broker charges applies.
6) Every end of the month, PH Portfolio Manager sends SOA – statement of account to SO
or assigned Sector Accountant for PH ledger update & reconciliation then sends PH
ledger worksheet summary to all PH members via email.
7) Project HOPE financial reporting to be published every 1st
Sat of Qtr.
NOTE : Free Membership Fee for 1st
Year. An Annual Membership Fee of SR _____ is still to
be agreed / defined for all PH members for sustainability.

30. Project HOPE - Retirement /
Withdrawal Procedures
1) Withdrawals are ONLY during retirement or when the pastor decides to go on exit
&/or upon contract completion or termination or any other valid reasons as
approved by HP, SA & SO.
2) All PH members requesting for account settlement for retirement will fill up & sign a
Request for Withdrawal Form duly approved by his HP, SA & SO.
3) SO or assigned Sector Accountant to receive the Request for Withdrawal Form and
validates complete name, bank details & signature and then computes the total
investment portfolio of PH member based on PH ledger advising % contribution,
name & number of stocks invested and sends computation details to HP, SA & SO
for review and approval for payment release.
4) Sends payment details computation to PH member for review and final signature of
acceptance & acknowledgement and sends to PH Portfolio Manager for closing
(SELLING) the full portfolio investment.
5) PH Portfolio Manager receives the approved RFW and SELLS equivalent shares
(based on market value) Approx. 95% of the market value will be transferred
electronically to the PH member’s assigned Bank Account or will receive a check
from Project HOPE – Account Bearer (HP/SA or SA/SO). Note : Standard Sales Tax,
Comm./ Broker Charges, VAT, PSE Transfer Fee, SCCP Fee, PM Fee, Closing Fees
applies (Approximately 5%).
6) PH members receives the full payout amount in check (or bank transfer) & retires
rich and righteous.
7) PH member writes a testimonial and posts to PH website archives to serve as
inspiration to all present & future PH members.
NOTE :
Church happy , PH member happy, family happy … GOD is glorified !

31. Standard Trade Charges

32. Journey to Financial FreedomJourney to Financial Freedom

33. Monday, October 7, 2013 33

34. Secrets of the RICH
No. # 3 : The RICH mind their own
business
B / S
I / S
Income
Expense
Assets Liabilities
(--) Corporate
Expenses

35. Secrets of the RICH
No. # 5 : The RICH print their own money
No. # 4 : The RICH pays less taxes
No. # 6 : The RICH has awakened their
Financial Genius

36. Monday, October 7, 2013 36
BI
Triangle

37. WHAT
BUSINESS ?
37

38. Business Innovators &
Builders
38

39. BIB – Business Profile
1) Core Business
a) Real Estate Business (Oct 2011)
- Arista Project (RFO – April 2014)
b) Financing / Lending Business (Jan 2012)
- KSA Operations (On Going)
2)Other Business Plans
c) Cooperative Business – 2nd
Qtr
d) Food & Restaurant Business – 3rd
/ 4th
Qtr
e) SPA – Health Care Business
f) PHIL - Resorts / Vacation Houses / Others …
g) Transport Business – PINK Taxi … 39

40. 40
Update on Arista
Real Estate Business

41. 41

42. 42

43. 43

44. Actual Pics – ARISTA Project
As of 06 Feb 2013
Monday, October 7, 2013 44

45. Monday, October 7, 2013 45

46. BIB Cooperative Business
BIB
Coop
Busine
ss
RF
1 &
2
KO
M
ICF
SB
L
PO
P 1
& 2
SBJ
LOJ
MC/
AN
G
SO
L 1
& 2
LO
V 1
& 2
RO
L
SO
G 1
AO
G 1
LO
G
TO
P
KO
G
SO
S
RO
S 1
& 2
KKUH Panda
/ Lulu
Suppli
ers
SO
G 2
AO
G 2
CN
W
AC
TS
AC
TS
PS2
3
Oth
ers
Oth
ers
Oth
ers
Oth
ers
CN
W
CN
W

47. BIB Business Update as of 15 May
- Real Estate Capital = SR 240,000
- Financing / Lending = SR 113,250
- Cooperative Business kicking off
- By end May 2013, 1 unit will be
fully paid … only 3 more to go.
- By May 2014, 4 units RFO –
Ready for Occupancy.
47

48. Where am I ?Where am I ?
Where do I want to go ?Where do I want to go ?
48
Security Freedom
Poor Rich
Active Income
Passive income
No Work
No Pay
No Work
Yet Paid
Less free time
More free time
?
!

49. What you THINK … is WhatWhat you THINK … is What
you BECOME !!!you BECOME !!!
49
 A thought leads to IdeasA thought leads to Ideas
 Idea’s leads to OptionsIdea’s leads to Options
 Options leads to DecisionsOptions leads to Decisions
 Decisions leads to ActionsDecisions leads to Actions
 Actions leads to HabitsActions leads to Habits
 Habits leads to CharacterHabits leads to Character
 Character leads to DestinyCharacter leads to Destiny
 Destiny leads to your Reality …Destiny leads to your Reality …

50. 50
Command those who are rich in thisCommand those who are rich in this
present world not to be arrogant norpresent world not to be arrogant nor
to put their hope in wealth, which isto put their hope in wealth, which is
so uncertain, but to put their hopeso uncertain, but to put their hope
in God, who richly provides us within God, who richly provides us with
everything for our enjoyment.everything for our enjoyment.
1 Timothy 6:171 Timothy 6:17

51. Let us Pray ?
Let us Pray ?
51