The Colayco Foundation's events for Jan-March 2011

The Colayco Foundation for Education, Inc. (CFE) has been at the forefront of the movement for the financial literacy of Filipinos. The growing awareness of our countrymen of the "nature" of money is a big part because of Mr. Colayco's books and talks.

The Foundation already has a line of activities scheduled for January to March 2011. You may check them at http://www.colaycofoundation1.com/january-march-seminar-schedules/.

Trainings of the Center for Small Entrepreneurs

Entrepreneurship 101

A FREE Seminar that will equip you with the right concept of entrepreneurship and will help you identify areas of management that you need to strengthen to ensure growth and sustainability of your enterprise.

Knowing Micro-Enterprises Taxes

Don’t be dependent on your accountants. Know and understand legitimate tax obligations related to your business enterprise: which forms to use, how to compute them and when to pay. Learn it all from the "Knowing Micro Enterprises Taxes Training Workshop” and start enjoying the benefits you can derive from paying the right taxes.

Start Your Own Business Enterprise (SYOBE)

Invest your hard-earned money in a business that fits your kind of person. Prepare a realistic and well-designed Business Plan in three days. Be equipped with business skills before taking the plunge. Find out HOW through this SYOBE Training Workshop.

Basic Marketing

Learn the tricks and strategies on how to identify and serve your target market and turn your first-time clients to lifetime customers! This training workshop teaches you how.

Purchasing and Stock Control

Get the best deals in town! Cut the cost by knowing when to buy in small quantity and when to splurge by bulks! Not all products move. Learn the tools on how to properly manage your stocks.
Costing and Pricing

Cost-based pricing grows your business fast - learn how to price your products and services properly from our Costing and Pricing Workshop. Proper Pricing assures higher profit!

Basic Record Keeping

Be in full control of your enterprise by monitoring your business' transactions every day the easy way. The simple and easy-to-apply system that our basic record keeping will teach you will liberate you from your apprehensions in the tough and taxing demands of record keeping. Empower yourself with the skills and end your worries.

Understanding Financial Statements

Know what your Financial Statements are telling you about the status of your business. Learn how to forecast your sales and costs and how you can grow your business through financial planning.

Promotion for Micro Enterprises

Create and project a distinct personality for your business. Attract new customers and generate more sales. Learn the fabulous and effective ways of promoting your products and services at low cost by attending this one-day Promotion for Micro Enterprises Training workshop.

Advance Record Keeping

Make better management decisions with the aid of your records. Be acquainted with the books of accounting and speak the language of "debits" and "credits." Understand the "accounts" and “transactions” of a growing business for more efficient enterprise management.

Marketing Plan

Assess your market and design a marketing mix that would equip you with a Marketing Plan that works amidst growing competition. Identify your niche and position your product base on a market research. Learn it all in the “Marketing Plan Training Workshop.”

Effective People Management

Train and empower your staff by developing your management skills. Improve outputs by developing positive personal attributes for effective management. Invest in yourself and be empowered with effective people management skills.

Meat Processing

Tapa and skinless longganisa making with Business Idea Generation (BIG),

Know more at http://csentrepinoy.org.ph/training.html.

BusinessCoach, Inc. schedule for January 2011

SEMINAR TOPICS and SCHEDULE:
HOW TO IMPORT: PROCEDURES & DOCUMENTATIONSPHP 3,000 DATE: JANUARY 6, 2011 (THURSDAY)

BUY AND SELL REAL ESTATE PROPERTIES PHP 3,000 DATE: JANUARY 6, 2011 (THURSDAY)

STARTING AN APARTMENT & COMMERCIAL STALL RENTAL BUSINESSPHP 3,000 DATE: JANUARY 6, 2011 (THURSDAY)

EFFECTIVE PURCHASING MANAGEMENTPHP 3,000 DATE: JANUARY 7, 2011 (FRIDAY)

HOW TO START & OPERATE A PRINTING PRESS PHP 3,000 DATE: JANUARY 7, 2011 (FRIDAY)

HOW TO START & OPERATE A MEAT SHOP PHP 3,000 DATE: JANUARY 7, 2011 (FRIDAY)
HOW TO START A MANPOWER AGENCY BUSINESSPHP 3,000 DATE: JANUARY 8, 2011 (SATURDAY)


PERFORMANCE MANAGEMENT SYSTEMPHP 3,000 DATE: JANUARY 8, 2011 (SATURDAY)

HOW TO START A CATERING BUSINESSPHP 3,000 DATE: JANUARY 8, 2011 (SATURDAY)
COMPETITIVE SELLING TECHNIQUESPHP 3,000 DATE: JANUARY 10, 2011 (MONDAY)

BASIC LEADERSHIP TRAININGPHP 3,000 DATE: JANUARY 11, 2011 (TUESDAY)

HOW TO START A MONEY CHANGING BUSINESS PHP 6,000 DATE: JANUARY 11-12, 2011 (TUESDAY & WEDNESDAY)

STARTING A FOOD CART BUSINESSPHP 3,000 DATE: JANUARY 12, 2011 (WEDNESDAY)

HOW TO MAKE ELEGANT BEADED JEWELRYPHP 3,000 DATE: JANUARY 12, 2011 (WEDNESDAY)

WAREHOUSE AND INVENTORY MANAGEMENTPHP 3,000 DATE: JANUARY 13, 2011 (THURSDAY)

PERSONALITY DEVELOPMENT SEMINAR-WORKSHOPPHP 3,000 DATE: JANUARY 13, 2011 (THURSDAY)

HOW TO START A BALLOON BUSINESS W/ ACTUAL PRINTING & DESIGNINGPHP 3,000 DATE: JANUARY 13, 2011 (THURSDAY)

STARTING AN INTERNET CAFE BUSINESS PHP 3,000 DATE: JANUARY 14, 2011 (FRIDAY)

HOW TO FRANCHISE A BUSINESSPHP 3,000 DATE: JANUARY 14, 2011 (FRIDAY)

HOW TO START A TRAVEL AND TOUR BUSINESS PHP 3,000 DATE: JANUARY 15, 2011 (SATURDAY)

HOW TO START A JANITORIAL SERVICES BUSINESSPHP 3,000 DATE: JANUARY 15, 2011 (SATURDAY)

LABOR LAWS FOR ENTREPRENEURS AND MANAGERSPHP 3,000 DATE: JANUARY 15, 2011 (SATURDAY)

CUSTOMER SERVICE TRAININGPHP 3,000 DATE: JANUARY 17, 2011 (MONDAY)

CAREER PLANNING AND DEVELOMENT SEMINARPHP 3,000 DATE: JANUARY 17, 2011 (MONDAY)

INTERNET MARKETING IN THE PHILIPPINESPHP 3,000 DATE: JANUARY 17, 2011 (MONDAY)

HOW TO INVEST IN THE STOCK MARKETPHP 3,000 DATE: JANUARY 18, 2011 (TUESDAY)

HUMAN RESOURCE MANAGEMENT TRAININGPHP 6,000 DATE: JANUARY 18-19, 2011 (TUESDAY-WEDNESDAY)

STARTING A QUICK SERVICE RESTAURANTPHP 3,000 DATE: JANUARY 19, 2011 (WEDNESDAY)

BOOKKEEPING & BASIC ACCOUNTING FOR NON-ACCOUNTANTSPHP 6,000 DATE: JANUARY 19-20, 2011 (WEDNESDAY & THURSDAY)

BUSINESS ETIQUETTE TRAININGPHP 3,000 DATE: JANUARY 20, 2011 (THURSDAY)
EFFECTIVE SUPPLY CHAIN MANAGEMENTPHP 6,000 DATE: JANUARY 20-21, 2011 (THURSDAY-FRIDAY)

HOW TO START AND MANAGE A LAUNDRYPHP 3,000 DATE: JANUARY 21, 2011 (FRIDAY)

STARTING AND MANAGING A DRUGSTORE BUSINESSPHP 3,000 DATE: JANUARY 21, 2011 (FRIDAY)

HOW TO BE A CANTEEN CONCESSIONAIRE PHP 3,000 DATE: JANUARY 22, 2011 (SATURDAY)

BASIC SUPERVISORY SKILLS TRAININGPHP 3,000 DATE: JANUARY 22, 2011 (SATURDAY)

STARTING A PAWNSHOP BUSINESS PHP 3,000 DATE: JANUARY 22, 2011 (SATURDAY)
IN-HOUSE EVENTS MANAGEMENT SEMINARPHP 3,000 DATE: JANUARY 25, 2011 (TUESDAY)

TRAINING THE TRAINERSPHP 3,000 DATE: JANUARY 25, 2011 (TUESDAY)

GIFT WRAPPING, GIFT BASKET, AND RIBBON MAKING WORKSHOPPHP 3,000 DATE: JANUARY 25, 2011 (TUESDAY)

CONDUCTING INTERVIEWS AND EMPLOYEE SELECTIONPHP 3,000 DATE: JANUARY 26, 2011 (WEDNESDAY)

WEDDING AND DEBUT PLANNING BUSINESSPHP 3,000 DATE: JANUARY 26, 2011 (WEDNESDAY)

BOOKBINDING PROCEDURES AND TECHNIQUESPHP 2,750 DATE: JANUARY 26, 2011 (WEDNESDAY)

BUSINESS TAXATION MADE VERY EASYPHP 6,000 DATE: JANUARY 26-27, 2011 (WEDNESDAY-THURSDAY)

COFFEE SHOP BUSINESS WITH BARISTA TRAININGPHP 3,000 DATE: JANUARY 27, 2011 (THURSDAY)

REAL ESTATE MARKETING PHP 3,000 DATE: JANUARY 27, 2011 (THURSDAY)

STARTING A SPA BUSINESSPHP 3,000 DATE: JANUARY 28, 2011 (FRIDAY)

HOW TO START AND MANAGE AN OFFICE & SCHOOL SUPPLIES STOREPHP 3,000 DATE: JANUARY 28, 2011 (FRIDAY)

STARTING A CORPORATE GIVEAWAYS & SOUVENIR ITEMS BUSINESSPHP 3,000 DATE: TO BE POSTED

CURRENT GOOD MANUFACTURING PRACTICESPHP 3,000 DATE: JANUARY 28, 2011 (FRIDAY)

COMPUTATION OF SALARIES, WAGES, AND BENEFITS PHP 3,000 DATE: JANUARY 29, 2011 (SATURDAY)

BUILDING AND PROPERTY MANAGEMENT PHP 3,000 DATE: JANUARY 29, 2011 (SATURDAY)

HOW TO PLAN AND OPERATE A RESTAURANT BUSINESSPHP 3,000 DATE: JANUARY 29, 2011 (SATURDAY)

STARTING A SILK SCREEN PRINTING BUSINESS PHP 3,000 DATE: JANUARY 31, 2011 (MONDAY)

HOW TO PLAN AND START A BUSINESSPHP 3,000 DATE: JANUARY 31, 2011 (MONDAY)

TIME MANAGEMENTPHP 3,000 DATE: FEBRUARY 12, 2011 (SATURDAY)

Seats are guaranteed only upon both payment and our confirmation. Phone reservation is required. Please call (632) 496-6949 /(632) 727-8860 /(632) 727-5628, or SMART-0908-342-3162 or GLOBE-0915-205-0133. VENUE OF SEMINARS (unless indicated): Unit 201 Richbelt Tower, 17 Annapolis St., Greenhills, San Juan City.

Seminar fee is inclusive of snacks, lunch, drinks, seminar kit, materials (if with hands-on), handouts, and certificate of attendance.PAYMENT: Deposit to our Banco De Oro Savings Account.

Fax Deposit Slip to (632) 727-8860 (indicate name of participant and seminar title) to confirm reservation.Company checks must be given at least five (5) banking days before the event.

On-site payment (CASH only)DISCOUNT: 10% discount if FULL AMOUNT is paid at least five (5) days before the event. We also give group and corporate discounts.

Gabayan sa Kabuhayan Livelihood Seminars

Are you a fan of Gerry Geronimo? Well, his Gabayan sa Kabuhayan Livelihood Seminars include:

• Hog Raising
• Meat Processing
• Commercial Bread Making
• Honeybee Production
• Tilapia Production
• Baking (Cakes and Pastries)
• Fish Processing
• Ice Cream making
• Herbal Soap Making
• Candle Making
• Entrepreneur Forum 1 (Negosyo 101 - introduction to Entrepreneurship, Idea Generation, Visioning)
• Entrepreneur Forum 2 (Basic sales and Marketing)
  Entrepreneur Forum 3 (Finance Management)

For details please contact Mr.Patrick Goloy ( Corporate and Special Projects) or Mr. Wilbert Pasive(GSK Livelihood) through our e-mail patgoloy@ggproductionsinc.com , wilbertpasive@ggproductionsinc.com and drmiguelgeronimo@ggproductionsinc.com or call us at 8256564, 8256162 or 8257454.

Cooperative External Auditors' Accreditation Seminar

The Philippine Institute of Certified Public Accountants (PICPA) will be conducting a Cooperative External Auditors' Accreditation Seminar on January 27-29, 2011, 8:00 am to 5:00 pm, at the Training Room, PICPA Building, Mandaluyong City. Lecturers will be from the Cooperative Development Authority (CDA).

For more information, check out this flyer from PICPA.

Training for Less Public Seminar Offerings

Training for Less Public Seminar offerings for January and February 2011:

Reserve your seats early and avail of the
P999+VAT per seminar Best Rate.
(Applicable only for reservations made before
promo deadline for each topic.)


1. Improving your Collection Efficiency
January 28, 2011 ( 8:30am-12:30pm )
The Heritage Hotel, Manila

2. The Basics of Collection Negotiation for Credit and Collection Professionals
January 28, 2011 ( 1:30pm-5:30pm )
The Heritage Hotel, Manila

3. The Effective First Time Supervisor
February 10, 2011 ( 8:30am-12:30pm )
The Heritage Hotel, Manila

4. Performance Management for Supervisors
February 10, 2011 ( 1:30pm-5:30pm )
The Heritage Hotel, Manila

5. Enhancing your Telemarketing Skills
February 11, 2011 ( 8:30am-12:30pm )
The Heritage Hotel, Manila

6. The Art of Telephone Selling and Negotiating
February 11, 2011 ( 1:30pm-5:30pm )
The Heritage Hotel, Manila

7. Delivering Quality Telephone Customer Service
February 16, 2011 ( 8:30am-12:30pm )
The Heritage Hotel, Manila

8. Managing Face-to-Face Customer Service Encounters
February 16, 2011 ( 1:30pm-5:30pm )
The Heritage Hotel, Manila


Log on to http://www.trainingforless.ph/
or http://www.tflconnect.ph/
and see Available Schedules Section to view
full course outlines and to register online.

All about the new Philippine Peso bills

all_currencies -

Transcript of Commencement Speech at Stanford given by Steve Jobs

Got this from my inbox. I searched and sufficiently convinced that this is authentic. An interesting read on how to live our lives. I particularly like the stay hungry, stay foolish part.

---------------------

I am honored to be with you today at your commencement from one of the finest universities in the world. I never graduated from college. Truth be told, this is the closest I've ever gotten to a college graduation. Today I want to tell you three stories from my life. That's it. No big deal. Just three stories.

The first story is about connecting the dots.

I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?

It started before I was born. My biological mother was a young, unwed college graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife. Except that when I popped out they decided at the last minute that they really wanted a girl.

So my parents, who were on a waiting list, got a call in the middle of the night asking: "We have an unexpected baby boy; do you want him?" They said: "Of course." My biological mother later found out that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.

And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents' savings were being spent on my college tuition. After six months, I couldn't see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life. So I decided to drop out and trust that it would all work out OK. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn't interest me, and begin dropping in on the ones that looked interesting.

It wasn't all romantic. I didn't have a dorm room, so I slept on the floor in friends' rooms, I returned coke bottles for the 5¢ deposits to buy food with, and I would walk the 7 miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn't have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can't capture, and I found it fascinating.

None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, it's likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on this calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards ten years later.

Again, you can't connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.

My second story is about love and loss.

I was lucky — I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. We had just released our finest creation — the Macintosh — a year earlier, and I had just turned 30. And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.

I really didn't know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down - that I had dropped the baton as it was being passed to me. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me — I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.

I didn't see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.

During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the worlds first computer animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, I returned to Apple, and the technology we developed at NeXT is at the heart of Apple's current renaissance. And Laurene and I have a wonderful family together.

I'm pretty sure none of this would have happened if I hadn't been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in the head with a brick. Don't lose faith. I'm convinced that the only thing that kept me going was that I loved what I did. You've got to find what you love. And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don't settle.

My third story is about death.

When I was 17, I read a quote that went something like: "If you live each day as if it was your last, someday you'll most certainly be right." It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: "If today were the last day of my life, would I want to do what I am about to do today?" And whenever the answer has been "No" for too many days in a row, I know I need to change something.

Remembering that I'll be dead soon is the most important tool I've ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure - these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn't even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor's code for prepare to die. It means to try to tell your kids everything you thought you'd have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.

I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach and into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and I'm fine now.

This was the closest I've been to facing death, and I hope it's the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept:

No one wants to die. Even people who want to go to heaven don't want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life's change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.

Your time is limited, so don't waste it living someone else's life. Don't be trapped by dogma — which is living with the results of other people's thinking. Don't let the noise of others' opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.

When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960's, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.

Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970s, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: "Stay Hungry. Stay Foolish." It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.

Stay Hungry. Stay Foolish.

Thank you all very much.