Ivy Liza Ancheta

05/08/2026

07/07/2026

"Change is not a process. Change is a decision."

This is one of Jim's most powerful teachings, and it connects directly to everything we've explored this week about associations.

Most people think change happens slowly. They think they need to gradually shift their habits, slowly upgrade their circle, incrementally raise their standards. And while the implementation takes time, Jim taught that the change itself — the real change — happens in an instant.

It happens the moment you decide.

Jim experienced this himself. He didn't gradually become successful. He decided to change. And once the decision was made, the actions followed naturally.

"The day I decided to change my life was the day everything changed," Jim would say. "Not the day I finished reading a book. Not the day I completed a course. The day I decided."

This applies powerfully to associations:

You don't gradually distance yourself from people who pull you down. You decide to set boundaries, and then you implement them.

You don't slowly seek out better associations. You decide that your current circle isn't taking you where you want to go, and you take action.

You don't eventually walk away from the 97%. You decide, right now, today, that you're joining the 3% — and then you live it out.

The decision is the hard part. Once the decision is made, the rest is just ex*****on.

Jim was asked once: "When is the best time to start changing your associations?" His answer was simple: "The moment you decide to."

What decision are you making today about your associations, your standards, and your future?

www.jimrohn.com/wisdom/articles/change-is-a-decision-not-a-process

14/04/2026

If you ask a Filipino making ₱50,000 to ₱80,000 a month if they are wealthy, they will usually say, "No, but I am comfortably middle class."

They have a car loan. They go to cafes on the weekend. They have a nice smartphone.

But from a macroeconomic perspective, the Philippine middle class is an absolute illusion. Why? Because true wealth isn't measured by your car; it is measured by your safety net.

Welcome to the terror of Out-of-Pocket Healthcare.

In first-world countries (like Canada or the UK), if you get cancer or have a massive stroke, the government’s universal healthcare system absorbs the multi-million dollar blow. You get sick, you get treated, and your bank account stays intact.

In the Philippines, an unexpected medical emergency is a financial death sentence.

If a parent suddenly needs a bypass surgery, or a child requires a month in the ICU, PhilHealth only covers a fraction of the cost. The family is suddenly slammed with a ₱2 Million to ₱5 Million hospital bill.

Because we lack comprehensive universal healthcare, the so-called "middle class" is instantly wiped out. They are forced to sell their cars, mortgage their family homes, max out their credit cards, and beg for donations online.

It takes ten years of hard work, overtime, and saving to build a middle-class life in the Philippines. And it takes exactly three weeks in a private hospital ICU to completely erase it, sending the entire family back into generational poverty.

24/03/2026

God is the source of all things in life. He is the origin of our existence for He is the one who created us and all of this life here. He is the One where all things began and continue to grow and flow from for all things are rooted in Him.

Everything and anything else in this life is a resource that God supplies us with to provide us with all we need to live, thrive and fulfill our purpose here on this earth that He created us for.

But sometimes I think we get these two words mixed up for they are so similar. They both speak to provision in their own way. But the significant difference is that every resource needs a foundation, a source of its own from where that supply originated from.

When we put any one of our “resources” before our true “source” who is our Heavenly Father, we not only lose our way from God’s purpose of creation, but lose sight of who God truly is in our lives.

If we look to any one of our resources to fulfill what only God can for us, acknowledging that all of those resources are gifts from our source to bless us with His abundance, not to replace Him, we will never be truly fulfilled.

Our jobs are God’s way to provide our financial needs. Important? Of course! But not to be put at the top of our priority list to the point where they take precedence over what truly matters… our relationships with God and each other.

And even in the most precious gift of relationship with one another, we must see God as the center of those relationships so we don’t expect someone else to fulfill all what only God can for us. For His love for us is the source we draw from to be that resource of love for one another.

God’s resources are bountiful. He gives us our basic provisions and so much more to fill our lives with his goodness.

But only when we begin to see how everything and anything in our lives is sourced from His love for us, can we find a way to respect these resources for what God intended them for. To provide and enhance our lives, but never to replace Him.

To learn to healthfully balance our resources and to use and receive all of them for the purpose God has created and given them to us will bring a new sense of perspective and gratitude to our lives.

Acknowledging that our Father God is the ultimate source in our lives for all we have will positively change your life in ways you can’t possibly imagine on so many levels❤️

- SueMarie

12/03/2026

ATTENTION: ADVISORY NEW POLICY APPLICATION ⚠️

Due to the rapid escalation of risks in the Middle East and surrounding regions, we are currently postponing insurance applications for individuals residing in or traveling to war-zone areas until further notice.

Temporarily Suspended Countries:
🇮🇷 Iran | 🇮🇶 Iraq | 🇱🇧 Lebanon | 🇸🇾 Syria | 🇾🇪 Yemen | 🇵🇸 Palestine | 🇮🇱 Israel | 🇦🇪 UAE | 🇪🇬 Egypt | 🇹🇷 Turkey | 🇶🇦 Qatar | 🇰🇼 Kuwait | 🇧🇭 Bahrain | 🇴🇲 Oman | 🇯🇴 Jordan | 🇸🇦 Saudi Arabia | 🇵🇰 Pakistan | 🇦🇫 Afghanistan

This includes applicants with declared upcoming or frequent travel to these regions.

How we can help right now:
While we cannot issue new policies for those in these war-zones, we can still provide full insurance protection for your FAMILY MEMBERS here in the Philippines. 🇵🇭

Important Note for Existing Clients:
Please ensure all your current policies remain ACTIVE and IN-FORCE. Your protection is our priority.

Please be guided accordingly.
Stay safe & well always! 🌎🌏🙏🙏🙌🏻🙌🏻

08/02/2026

Pray for your business daily.
Not just for financial success but also for mental and emotional stability to sustain it. Seek longevity, alignment, and integrity in your prayers. Pray to attract the right clients and customers.

08/01/2026

Lessons from the sun: take small steps that allow steady progress over time. Don’t rush—rise gracefully. 🌥️⛅️🌤️☀️