Economic Development in the Philippines

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At present, former President Gloria Macapagal Arroyo is leaving her position, this time, it will be another chapter. Today it is President Benigno "Noynoy" Aquino who is the 15th President of the Republic of the Philippines that takes over the economic development of this nation... Although there are many issues to be tackle when we are dealing with economic development.

This development is based on the aspects where they belong to our country.

The economic aspect there is based on the purchasing power of people while social aspects is based on life expectancy at birth and adult literacy which is known as educational attainment.

The question still exist in the nation's community development.The way we see it, why do most Filipinos choose to leave their homeland and live and work elsewhere?

Based on my findings and observations including opinions here is what I discover.

First, I found out that when they apply jobs after their graduation, it was resulted to lack of good-paying jobs because there are more job opportunities abroad and the standard of living is better in most countries than in the Philippines. Most of all, the salary is much higher in other countries which is true in terms of actual job.

Second, the fulfillment of the dreams because most Filipino people choose to leave their homeland and live and work elsewhere because they want to fulfill a childhood dream.

Third, there is a feeling of desperation because the Philippines compare to well-developed countries is backward in many ways and seems hopeless in getting away from a culture of corruption that most Filipinos want to leave the land of their birth to work and live in other countries where they could find peace and prosperity.

Before I end this article, the recommendation for this issue is the Filipinos will develop as long as there is no corruption in the society because it affects the future of Filipino people.

Corruption must be eliminate at all cost and we don't need to borrow money from other countries in order to avoid foreign debts to other countries.

I hope the present Aquino administration in year 2010 will fulfill his dreams to the Filipino people in order to improve the economic development.

Is Ron Mueller the Next Matthew Lesko?

His name may sound kind of familiar, but His wardrobe gives him away every time - his trademark "question mark suit;" you know the one covered with neon question marks, his mismatched bright socks, wild bow ties and a seemingly inexhaustible collection of eyeglasses in every color of the rainbow.

Matthew Lesko Is the best-selling author and infomercial host, who has published over 70 books showing everyday people how to get free services and products from the federal government. He has had two New York Times best-sellers and two national best sellers, Getting Yours and Information USA.

Twenty years ago, Matthew Lesko was working out of his bedroom with one phone line helping Fortune 500 companies get information on commodities. One day he had an idea: why not publish the names and numbers of federal programs that offer free and low cost services and money programs for taxpayers.

Ron Mueller is doing for the home-based entrepreneur, with the 5th edition of his #1 New York Times best selling book, "Home Business Tax Savings Made Easy!," (formerly titled, "It's How Much You KEEP that counts, not how much you make!") what Matthew Lesko has done for the public with his grant information; which is to take the laws written by congress and the IRS and place them in one easy to find, easy to read reference guide.

Ron Mueller uses everyday language to convey his simple message, as a w-2 employee, without a home-based business, you are overpaying your taxes week after week, month after month, year after year. Every American should willingly pay our taxes we just don't need to over pay them.

So are all those tax breaks, so frequently touted by & to would-be entrepreneurs, for real or what? Unequivocally YES! They are most assuredly for real, they're NOT "loopholes," "tax dodges," or "tax avoidance schemes." They're honest, ethical, legal tax breaks, which are Authorized by Congress, Published in the IRS Code, and Approved by the Federal Tax Court.

One of the common misconceptions many home-based entrepreneurs share however is that their accountant or tax-preparer has received specialized training in home business tax laws.

According to Dr. Mueller, that be couldn't further from the truth, "An understanding of home-based business tax law is not taught in most accounting schools, and isn't even tested on the CPA exam! So, simply finding a person with CPA after their name is no indication whether they do, or don't, know ANYTHING about home-based business tax law. In most cases they will only know if self-taught."

"If I need surgery I would seek out a specialist. I now know that I need to do the same thing for tax preparation. The right surgeon can save my life. The right tax advisor can save my financial life."

How important is this guide to the average American? Quite simply stated by best-selling author and entrepreneur, Robert Allen, in the introduction to, "Home Business Tax Savings Made Easy," "everyone with a home-based business needs this book. Anyone without a home-based business needs it even more."

Dr. Mueller spent 12 months researching every tax code, congressional law or federal court ruling that pertains to home-based businesses and then another 6 months translating all of that into plain English.

Why?

Because everyone thinks they pay too much in taxes, but most people are unwilling to do anything about. This book removes the, "I didn't know" excuse from our vocab.

If you're a Network Marketing Professional who's not using the information contained in the pages of "Home Business Tax Savings Made Easy," to explain to your potential business partners the exact nature of their tax advantages - you're working way too hard.

Let's get real - What's the #1 reason most people are looking to join your business in the first place? Correct, they need more money - usually right away! Not now - RIGHT Now.

Imagine being able to flip to page 169 & showing your prospective partner how they can change the number of allowances on their w-4 and increase their take home pay as soon as their next pay period. If you believe that this would be invaluable to your business then you need to own this book.

But, don't make the mistake of thinking this book is solely for Network Marketers. If you own & operate, or are looking to own & operate any type of business, full or part-time, from your home, this book belongs in your reference library as well!

Derrick Carpenter, Home Biz Tax Coach

A home-based business offers the best tax savings strategy available to the average American. http://homebiztaxbreaks.biz/
The More you Know the Less you Pay.

Follow my "tweets" on twitter: http://twitter.com/homebiztaxcoach

Worried About Hyper Inflation? Maybe You Should Think on It

The United States has been busy printing money and we've been selling Treasury Notes, luckily we are borrowing at a low interest rate, but we are also putting ourselves in debt and printing money and forcing it into the economy at a rate never before seen. The Stimulus of 787 Billion Dollars and some $2 Trillion for financial bailouts; all this money flow will cause an inflation challenge in the future. So, let me recommend a very good book to you:

The Great Inflation and Its Aftermath - How Reagan and Volcker Tamed Economic Policy - and Why Obama Should Listen" by Robert J. Samuelson; Random House, New York, NY (2008).
It is also available to be loaded onto your Kindle "The Great Inflation and Its Aftermath: The Past and Future of American Affluence" for the low cost of $14.00
This book reminds us of the problems with high-inflation during 1960 to 1982. Most younger folks have no clue why this is. Things were pretty bad in the 1970s and stagflation was even worse, in fact things were so bad that President Jimmy Carter lost the election.
Samuelson, a columnist for Newsweek and the Washington Post reminds us also that inflation is not so much only an economic problem, as it destroys confidence making it more social and political that one might think. One interesting quote was one by Lenin, who stated that the best way to destroy a democracy is to debase its currency. Indeed, think on that for a minute.
I'd recommend this book to anyone who is wondering if the current direction of our nation's leadership and economy is a wise choice. Consider all this.

Lance Winslow enjoys community philanthropy - Lance Winslow likes small business. Lance Winslow has also been involved in the Oil Industry; http://www.oilchangeguys.com/aboutus.shtml.

Money Magic

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If you want to learn about "Unleashing Your True Potential for Prosperity and Fulfillment" then read Money Magic by Deborah L. Price! This book is chocked full of insightful, useful information.

Ms. Price starts by explaining about the energy of money and why there are winners and loser in the money game. The most interesting part of the book was Price's description of the eight money types:

The InnocentThe VictimThe WarriorThe MartyrThe FoolThe Creator/ArtistThe TyrantThe Magician

So how do we recognize these types, and identify which type we are? I am sure we've all known people like these.

For instance my friend who has no clue of what her take home pay is and how much her monthly expenses are, she'd be The Innocent. Or my relative, The Victim, who continually makes bad choices with her money then blames everyone else and gets her mother to bail her out. And oh boy, you know The Warrior type, he is so focused on money, he sets out to conquer the world, all in an effort to prove his own self-worth. Then there's The Martyr, poor thing she spends all her time, energy and money on everyone else.

I think I dated The Fool once or twice, they play by a different set of money rules, usually rules they tried to stack in their favor! The Creator/Artist type just finds it difficult to live in the material world and would rather not have to think about money. I think we've all known The Tyrant, he dedicates his whole life to making money so he can use it to feel superior and control those in his life. Finally, there is The Magician, these are probably the millionaires and billionaires, because they know how to transform and manifest their own financial reality!

Most of us are probably a combination of money types. I could see small traits of all them in myself. At times I am The Innocent, because I would rather not pay attention to the money details, and sometimes I'm The Victim, who likes to blame the economic downturn, but then The Warrior in me will emerge briefly, until The Martyr takes over and I spend too much money on my kids, then I truly feel like The Fool, and crawl into The Creator/Artist who wonders why we need money anyway, until the Tyrant emerges reminding me that the one with the gold makes the rules. Unfortunately, cycling through all these types has never lead to The Magician, who I am sure resides somewhere in my mind.

This book challenged me to define my relationship with money through a series of exercises such "Your Money Biography" and "Identifying Your Money Archetype". Although I am still a work in progress, I feel I am on my way to developing a new relationship with money and on the path to finding or developing The Magician but maybe, The Magician is just a state of mind where we feel truly abundant, prosperous and fulfilled! I can hear the tune strumming through my head, "I'm in a Magician state of mind!"

Visit http://www.rhondahsmith.com/ for more valuable strategies to create Your Business, Your Life, Your Way! Rhonda Smith is a unique business coach and QuickBooks trainer. With her professional yet personable style she works with her clients to grow their businesses, increase their income, and gain more free time! She offers QuickBooks training, bookkeeping services, and small business development strategies. ?Rhonda H. Smith, Inc. Article may be reprinted only if complete Bio is included.

New Economic Platform - More Than Analysis

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In the next 20 years, you may get bored seeing more and more books analyzing the effects of the current economic crisis and what brought it on.

But, at the very beginning of this financial crisis, I've found the first book to advocate a new financial platform and address the biggest problem: adding more jobs and restoring worldwide financial stability.

The book didn't just suddenly appear as an analysis of the world's economic crisis. It has been stored in the brain vault of Leonard S. Johnson for more than 5 years. He has been tossing around ideas, coming up with new approaches and creating new kinds of thought for that entire time. And this was long before this financial crisis put the world on its collective knees. It was now time to come to the aid of a crumbling financial world.

That's when Johnson decided it was time to give the world a needed answer to deal with these effects of the economic crisis with his innovative book "The Bank for International Ideas." Johnson has based his book entirely on taking intellectual capital to intellectual property. He shows how to use the book's premise to create a new financial order based on worldwide innovative ideas that become businesses, scientific projects or organizations.

"The Bank for International Ideas" isn't a book of how to merely get banks to support and fund new ideas. The fact is banks are not doing that to the degree we have known in the past. BII is a complete financial platform which allows anyone in the world to submit ideas to the bank.

The process starts with the review committee. The committee, a noteworthy group of peers, decides if the idea is worthy and valid. If so, the bank actually issues credits which are then redeemed in currency in three parts: 33%, 33% and 34% totally 100%.

This means BII allows the innovator to make money on the idea while searching for investors, investment money, funding and mentor involvement. There's nothing to pay back unlike a usual bank transaction. The individual is actually paid for the idea. That's new in the world of finance. And good news for the idea-maker.

Johnson believes the world is no longer going to be run by the current skilled jobs. He believes true financial stability will be led by innovators who create areas of new job categories, not simply the skilled ones that we have known.

Johnson has created "The Bank for International Ideas" book to become the financial handbook of the upcoming new era of finance. The result is: It isn't the end-all answer to analyzing the effects of the financial crisis. It is the end-all book to the beginning of the new phase of finance in the world.

Unlike the blow-hards that puff themselves up to tell the world how they would do or would've things, Johnson has a truly remarkable way to make the entire world a better place financially.

I have also found something else he's done. He's created a 5-part YouTube explanation of the financial platform and how it works. So, you can absorb the financial concept before you get the book and delve into the details.

It just gets better and better.

"Conspiracy of the Rich" By Robert Kiyosaki - A Review

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Robert Kiyosaki launched his recent book as a viral event by having chapter by chapter released online and collecting comments from readers. The end result is a physical book "Conspiracy of the Rich: The 8 New Rules of Money".

Judging by the stream of traffic flowing to his ConspiracyOfTheRich.com website and comments from readers, it has not put the world alight, but worked fairly well.

Robert Kiyosaki is best known as author of the best-selling book "Rich Dad, Poor Dad" and ever since that book came out in 1997, he and his colleagues, has just held publications to come.

The controversy over the years has focused on Kiyosaki's view that your house is not an asset (instead it is an obligation, because it takes money rather than makes money) and that mutual funds are unsafe and losing investments.

You can say that by the time he writes this book in 2009 his views have, at least in part, been shown to be accurate.

Kiyosaki was controversial in 2002 when he came out with Rich Dads Prophecy predicting a crash. His assertion that the demographics of the Baby Boomer generation and the laws of their retirement investments would lead to a heavy crash in the stock market when they stopped working and began living off their investments. He predicted this to be sometime from 2010 onwards, and it seems to be panning out.

However Conspiracy of Rich is his strongest statement literary statement yet.

Kiyosaki is at both vivid and scathing; from the Introduction "The Root of All Evil", to the later section on "Hijacking of the Education System", where he compares the US to wartime Vietnam or the shanty towns of Cape Town in South Africa.

His message continues, "Today, those who have a strong financial education have an unfair advantage over those who do not."

As always, Kiyosaki is speaking in general terms, using stories and metaphors (such as the tale of the big bad wolf and the three little pigs). He also references much from his previous books. In fact, every one of his eight new rules can be found in his earlier books.

But this book also has more hard and relevant facts, and more solid warnings than ever before.

For example, in Chapter 10 he explains exactly why the recent chaos has been followed by seeming stability. The graph shows that he is instead of green shoots, are we merely in the eye of the hurricane, and Lehman Brothers etc or worse is set to occur again, he predicts, within the next two years.

Chapter 12 shows that the U.S. stock market low on the Dow of 6547 in 2009 is no bottom, and that there is still much lower to drop.

A consistent criticism of Kiyosaki is that he is very repetitive. This book keeps the same style as the previous ones. Kiyosaki response is that repetition is a part of learning, and I'd agree.

A few months ago I went back and reread Cashflow Quadrant, and was surprised at how much I felt that I was not even to pick out all those years ago when I first read it.

Personally, I ended up after much of Kiyosakis path to riches. I'd prefer say its because I've followed his advice but in reality its more because my experiences have agreed again and again with his messages.

If you just want the guts of the "Conspiracy of the Rich" you can read the final Chapter 12 "If I Ran The School System", but there are enough interesting stories in this book to make it worth reading all the way through.

If you are familiar with Kiyosaki's most important books, and you understand fractional reserve banking, Fiat currency and the notion that the Federal Reserve is not federal or U.S., it has no reserves, and it is not a bank, then you can get the few extra nuggets pretty quickly.

If you are new to Robert Kiyosaki, or have not encountered Austrian economics (a term never used in the book) then it is both a treat, and a mental work out. More than any other of his books this one covers a lot of territory for the newcomer. This is also one of his most fundamental books about money and general financial skills, and deserves to be read broadly.

Author Martin Russell discusses marketing and online strategies at http://www.carefulcash.com/

An Evaluation Framework - Economic Policy and Human Rights by Radhika Balakrishnan and Diane Elson

Economic Policy and Human Rights by Radhika Balakrishnan and Diane Elson apparently declares an intention to compare and contrast fiscal and monetary policy, public expenditure consequences, taxation, trade policy and pension reform in Mexico and the United States of America. The choice of countries is justified on several levels: they are of comparable size, differ in level of development, contrast in governmental approaches and, crucially, are both signatories of NAFTA, the North American Free Trade Agreement which, itself, suggests a commonality in certain policy areas. At the outset, the authors declare that the neoliberal economic assumptions that have dominated policy choice for thirty years have not worked, ostensibly because their main result has been the current crisis.

The authors thus attempt to illustrate this claim by examining a range of social, employment and economic indicators to assess the impact of the current paradigm on particular groups within both Mexico and the United States. But Balakrishnan and Elson also declare the intention of doing much more than this, in claiming that the framework they adopt could become transferable to other places and contexts. Their choice of framework appears to achieve exactly what they intend, and it does so quite spectacularly. And it is a position that could have benefited my own work a couple of decades ago, if only it had then existed.

My own research on education's role in Philippine development found that increased use of market forces and privatisation in an education system already heavily reliant on the private sector produced distortions that undermined some of education's potential and desired objectives. After the debt decade of the 1980s, increased reliance on market forces in Philippine education placed most high quality educational experience beyond the reach of anyone but the economic elite. And yet, declared policy stated that the promotion greater equality was one of the education system's explicit goals. In the future, work intending to identify such contradiction will benefit from employing the universal reference point of the transferable framework identified in Balakrishnan and Elson's superb study.

The authors begin with a short discussion of the Universal Declaration on Human Rights. Importantly, the rather general goals that this advises have been rendered more specific by subsequent declarations. And, by signing up to these, governments - presumably - declare their desire to see the declared goals achieved, both at home and abroad. Such general aims have thus become more specifically objectified via the Convention on the Elimination of All Forms of Racial Discrimination, the International Covenant on Civil and Political Rights, the International Covenant on Economic, Social and Cultural Rights and the Covenant on the Elimination of All Forms of Discrimination Against Women. Thus policy objectives, if not timetables for their achievement, in the areas of race, gender, employment and several other areas can be specifically identified as having been espoused by governments because they have willingly signed up to these treaties, even though that might have been prompted more by political expediency than commitment.

Using these objectives as a framework for evaluation, the book's individual papers conduct a near-forensic examination of a range of Mexico's and the USA's recent economic and social policies in the specified areas in order to examine whether the agreed objectives have been furthered or hindered. Almost without exception, neoliberal policy conformity is shown to undermine these agreed objectives and often to impact differently from their declared intent on specific and identifiable target groups within the population. This evidence makes a strong case for greater and more active accountability of government action and thus also questions declared commitment to previously agreed - and politically convenient - principles. In more than one area, there is strong evidence to suggest that policies are mere populist window-dressing in that their stated objectives are in line with identified and desired goals whilst their implementation can only undermine their own stated intent.

Economic Policy and Human Rights thus provides much more than an examination of particular policy prescription in Mexico and the United States. Indeed it may even present an evaluative framework that could be applied by progressive analysts to any state or region that has adopted the objectives of these quite specific treaties. As such it will surely provide an important and enduring contribution to any debate on social and economic policy.

Philip Spires
Author of Mission and A Fool's Knot, African novels set in Kenya
http://www.philipspires.co.uk/
Migwani is a small town in Kitui District, eastern Kenya. My books examine how social and economic change impact on the lives of ordinary people. They portray characters whose identity is bound up with their home area, but whose futures are determined by the globalized world in which they live.