2. Edgar "Injap" Sia II is the youngest Filipino billionaire at 39, with P18.

1 billion net worth in

2015, Forbes reported. His brainchild, Mang Inasal, which started as a small joint in Iloilo City
in 2003, has since been acquired by Jollibee Food Corporations for P2 billion in April this year.

Sia is now focusing on his real estate company, DoubleDragon Properties Corporation, which
has been building city offices and community malls.

Read his inspiring story here

3. From ice candy vendors to millionaires:
How to get rich with only P20
Published May 7, 2015 10:41am
Mapanonood ang Kapuso Mo, Jessica Soho tuwing Linggo ng gabi sa GMA-7. Para
sa karagdagang impormasyon tungkol sa programa, sundan kami sa Facebook,
Twitter at Instagram. Para naman sa impormasyon tungkol sa mga paborito nyong
Public Affairs program, sundan ang GMA Public Affairs.
How much does it take to become a millionaire? Ask ice candy vendors Rodolfo and
Rosiell De Leon and they will tell you that all you need is P20.

However, if you asked the couple the same question back in 2011, they would
probably have given a different answer.

Life was never easy for the De Leon family. Rodolfo and Rosiell were just college
freshmen when they had their first baby. To support their child, the couple had to
leave school and look for different ways to earn a living. Rodolfo did odd jobs while
Rosiell became a housewife.

It was in 2011 when the De Leon family hit rock bottom. Rodolfo lost his job. The
family's savings were not enough to pay for all the bills and to send the children to
school. It came to a point when Rodolfo and his wife had to use charcoal to cook food
because they could not pay for gas.

Sanay kami magtipid. Ang problema namin, yung mga anak namin. Hindi sanay na
yun lang yung kakainin nila," Rodolfo recalls. "Bilang magulang, napakahirap na
panoorin yung anak namin yung nahihirapan."

All their bank accounts and wallets were empty, save for Rosiell's purse, which
contained a humble P20 bill.

P20 may be a depressing amount of money especially if that is all you have but,
believe it or not, this measly amount was all it took to turn the penniless husband and
wife into the certified millionaires they are today.

Ice candies, not Lotto

Instead of borrowing money from friends or using their remaining P20 to make bets in
the lottery, Rosiell decided that she wanted to start her own business.

It seemed like a crazy idea to others, but it was also the idea that made the most sense
to her back then. "Sabi ko yelo muna since mahirap tayo and tubig lang naman ang
kailangan. Plastic ang binili ko doon sa P20. Ginawa ko siyang 100 pieces na yelo."

Rosiell's ice business earned her P300, which she then used to buy ingredients to
make ice candies. The couple recalls that their first customers were their own
neighbors. They did not expect that their ice candies would be such a big hit.

When they realized that they were starting to earn P5,000 a week from selling ice
candies to a peddler, the couple began to think that they might be able to do more with
their new business.

The De Leon's started to distribute their products to sari-sari stores and schools.
"Lahat yan binibigyan namin ng styro. Minsan nade-decline kami pero ang iniisip
lang namin is hindi kami puwedeng tumigil kasi meron kaming mga anak na dapat
itaguyod," says Rodolfo.

The couple worked day and night and made sure that people would love their ice
candies. They even came up with different flavors so that their customers would
always have something new to look forward to. Their bestsellers? Watermelon,
melon, avocado, banofee, black forest and tiramisu!

However, Rosiell remembers that not everything was easy. There were days when
they would go out to look for sellers only to have their ice candies turned down.

"Huwag silang susuko. I-decline man sila, hindi naman lahat yan, aayaw. Tsaka ang
negosyo kasi hindi laging may kita. Kailangan lang nilang mag-tiyaga, magsikap," she
says.

Rodolfo shares that it is always important to remember that business is not just about
selling your products. "Alam namin yung pakiramdam ng mga deprived kasi
deprived din kami nung time ng kabataan namin," he says. "Nilalagay namin yung
puso namin doon sa puso ng mga bata na parang gusto naming kumain ng masarap,
wala kaming pera."
Secret to success

Four years later, Rodolfo and Rosiell can attest that hard work and perseverance do
pay off. The couple now earns P15,000 per day or P450,000 per month, a huge leap
from the daily P500 or the monthly P15,000 that they used to earn.

Their ice candy business also made it possible for the family to send their children to
good schools, buy new cars, and build a new house.

What is the secret to Rodolfo and Rossiel's success?

Other than working really hard and not giving up, Rosiell believes that their ice candy
business flourished because they did everything with a smile. "Gagawa ka ng masarap
na pagkain dapat masaya ka. Hindi ka galit, hindi ka stressed."

Rodolfo adds that their business became a success because they knew how to take
risks. "Dapat malakas yung loob mo kasi kapag mahina yung loob mo, wala nang
mangyayari doon sa negosyong papasukin mo."

This same optimism, risk, and persistence were the reasons why the couple now has
40 ice candy refrigerators strategically placed inside schools in Antipolo. They also
managed to convert their old house into a small ice candy factory to meet the demands
of their customers.

"Ang gusto ko lang talaga noon ay makatawid kami sa pang-araw-araw namin,

matustusan yung mga bata sa pag-aaral nila. Hindi ko inimagine na magiging
ganito," Rosiell admits.

Rodolfo and Rossiel's story proves that a big capital is not necessary to start a
successful business. With imagination, resourcefulness and hard work, anyone can be
millionaires with just P20.

Rodolfo says, "Naging sandigan namin yun na lahat ng bagay, nagsisimula sa maliit
lang. Walang nanaginip ka na bukas mayaman ka na. Lahat yun, pinagpaguran
naming mag-asawa."Lara Gonzales/BMS

2. Edgar Injap Sia II: The promdi billionaire

One day may isang aspiring young entrepreneur ang nakaisip magtayo ng sarili nitong negosyo.
Banggit nya sa sarili na kahit kailan ay hindi maluluge ang business idea nito. Ngunit dahil
walang pang capital sa business ay humingi sya ng tulong sa kanyang ama..

"Pa may napakaganda po akong business idea. Sure akong patok tong naisip ko. Kailangan ko ng
tulong mo para matupad ang business na to. Kailangan ko po ng 2million para masimulan ang
aking restaurant business."

Dahil businessman din ang kanyang ama ay hindi nito pinansin ang anak dahil sa pangambang
hindi pa ito handa sa business.

Ngunit dahil makulit ang anak ay tinanong nito ang anak:

"Ok anak I'm willing to lend you money but are you ready to fail?"

Sabi ng anak, "huh? Hinding hindi po papalya ang business idea ko."

Reply ng ama, "oo nga anak pero are you willing to fail?"

Dahil gusto ng simulan ng young entrepreneur ang negosyo ay napa "oo" ito at sinamahan ang
ama sa bangko.

Pagdating sa bank ay nagulat ang anak ng malaman na ang laman ng bank account ng kanyang
ama ay P2,100,000 lamang.. Nagdalawang isip ang anak at tila natakot. Pero dahil nangako ito sa
kanyang ama ay tinuloy nya ang kanyang business idea.

Bawat resibo, perang lumalabas at pumapasok ay nakamonitor dahil nga alam nya na ang risk na
kanyang pinasok. Alam nyang pag pumalya ang kanyang business idea ay kahit ang ama nito ay
mawawalan din ng pera para sila ay mamuhay.

Lumaki ang business nito at dahan-dahan sumikat. Goal ng kanyang restaurant ang maging
kasing sikat katulad ng ating pambansang fastfood na Jollibee.

Isang araw ay pinatawag ng owner ng Jollibee ang young entrepreneur na ito.

Nagulat sya at kinabahan at ng sila'y nagkita for the first time ay sinabihan agad ng owner nito
ang young entrepreneur.

"Bakit ganun kahit nasaan ako ay nandun ka. Kung nasa mall ako, nandun ka din. Nasa province
ako nandun din ang restaurant mo."
Sagot ng young entrepreneur: "Ho? Kasi po idol ko po kayo e.. Gusto ko pong marating ang
narating na po ninyo."

Reply ng Jollibee owner: "Ang galing mo ha! Gusto ko ang business mo.. Magkano ka?
Magkano ang business mo?"

Nagulat ang entrepreneur at hindi alam ang sasabihin..

Ang young entrepreneur na ito ay si Mr Edgar "Injap" Sia na nagtayo ng kanyang first Mang
Inasal resto sa Iloilo.

Ilang taon pagkatapos matayo ang kanyang business ay nabili ito ng not more than 6 billion
pesos ni Mr Tony Tan Caktiong ng Jollibee.

Ikaw? Anong business goals mo sa negosyo mo?

Tunay na masarap ang pakiramdam pag ang business mo ay nakakapagprovide ng kita para ikaw
ay mamuhay ngunit mas masarap makita na may long term goals ka sa business at sinusubukan
mong marating ang mga ito kahit sobrang taas pa ng mga pangarap mo.

Simulan mo ng ilista ang goals mo sa negosyo, maging handa sa failures at wag mawalan ng pag
asa na matupad ang iyong goals sa negosyo..

Let's learn Injap Sia's story- the founder of pinoy's favorite Mang Inasal, on how he became a young
billionaire.
4. No one succeeds without difficulties to encounter. Every success story is a story of perseverance.
Katulad ng kwento ni Colonel Sanders aka Mr. KFC, the founder of Kentucky Fried Chicken.
Si Mr. Sanders ay very passionate na ishare, at ipatikim sa mga tao ang naimbento nyang chicken recipe.
Dahil sa PASSION nya na maipatikim sa maraming tao ang kanyang recipe nung 60 years old sya,
nilibot nya ang buong Amerika.
Nagbahay-bahay sya at kumatok sa mga restaurants para i-demo sa mga restaurant owners ang
kanyang naimbentong friend chicken recipe.
Nagluluto sya ng fried chicken sa harap ng mga may ari, tapos ang deal nya kung magugustuhan nila
yung recipe, papayagan si Mr. Sanders na ibenta nung restaurant yung chicken recipe nya, tapos may
percent lang sya na makukuha kada fried chicken na mabebenta.
Pero ang masaklap Puros rejection ang nakuha nya. Hindi interesado yung mga nakakausap nya.
Hanggang umabot sa 1009 na restaurant owners yung nag-reject at tumanggi sa offer at sa recipe nya.
Hindi sumuko itong si Mr. Sanders. Talagang determinado siya na makakamit din niya ang tagumpay
basta maging persistent lang talaga siya... Just imagine, umabot na sa 1009 ang pag attempt niya pero
hindi pa rin siya nawawalan ng pag-asa.
Hanggang sa nga try sa ulit na makausap nya yung pang-1010 na restaurant owner, yun lang ang nag-
YES at pumayag na makipag partner sa kanya!
And the rest is history....
Nakaka-inspire itong story na ito...
This is really an example of a man that has a persistent and a determination to succeed.
Sa tingin mo kaya ngayon kung hindi nagtiyaga itong si Mr. Sanders at kung naging option niya ang mag
give up kaagad nung makaranas sya ng pangalawa, pangatlo o pang-apat na beses na rejections, failures
at problems....,may KFC kaya ngayon? Hindi sana nakakapag-generate ng 20 Billions Dollars + of sales
every year ang KFC kung una, pangalawang rejection pa lang sa kanya ay huminto na sya. But, Mr.
Sanders is so persistent...na kaya niyang mag persevere ng matagal at hindi siya ng give up kaagad kaya
umabot sa 1009 attempts siya at sa pang 1010 lang na attempt niya nakuha ang tagumpay. Sa kabila ng
sangkatutak na mga rejections and disappointments na naranasan niya ay hindi siya ng give-up.
Mayroon siyang tiyaga at pag titiis sa kanyang ginagawa. He keeps on moving on even when his efforts
are met with so many failures and rejections.
If you really persevere, your best time will come and success will be yours.. Sabi nga sa isang kasabihan
na Dont be discouraged. Its often the last key in the bunch that opens the lock.
Perseverance is a requisite for success. If you succeed, yan ay dahil sa iyong pagtitiyaga at pagpupursige.
Kung may nararanasan ka man ngayon na mga problems at rejections sa iyong ginagawa sa online
business mo whether its a learning curve or negative people around you or kahit sa anong ginagawa mo
sa buhay, just remember that problems are just the ingredients in your life. Dahil sa mga problema na
yan ay natututo tayo at hindi ibig sabihin na susuko na tayo dahil hindi ito stop sign. Instead, problems
are guidelines. Dahil sa pagkakaroon natin ng problema, ibig sabihin that kailangan lang natin na mag
improve at mag focus, so just try and never give up. You have to be persistent and have a determination
in achieving your dreams, goals and desire.
In a biblical statement about perseverance... In Romans 12:12, it says that perseverance is vital to
growing in your faith, and God wants his people to persevere no matter what happens, so we have to
learn how to overcome obstacles, difficulties, trials, and tribulation to experience victory in Christ.
The longer you hang in there in your persistence, the more likely your success will be.

5. Ang Zest-O ni Alfredo Yao

Sinong batang Pilipino ang hindi nagustuhan ang juice na nasa pakete? Ang paglalagay ng juice sa pakete
ay naisip ni Alfredo Yao noong 1980. Nagsimula siya sa interes niya sa negosyo ng pagpapakete
hanggang naisip niya ang pagpapakete ng juice na hindi naisip ng kaniyang mga kalabang kompanya
kaya siya ay umunlad.

6. We all know him by his famous guiding lines Sipag at Tiyaga which means perseverance,
persistence and hard work. He had this latest TV commercial about helping Overseas Filipino
Workers who were victims of illegal recruiters. He is one of the richest persons here in the
Philippines and considered one of the titans in the real estate market industry, owning low cost
housing firm C&P Homes and high-class housing firm Brittany Bay Corp. Who else I am talking
about? He is no other than our current Senate President Manny Villar, which resembles another
rags to riches story.

Senator Manuel Manny Bamba Villar was born on December 13, 1949 in Moriones, Tondo,
Manila to a family of nine children. His father, Manuel Villar Sr. was just a low-ranking civil
servant and they were just living under a rented apartment. The main source of their income was
their small fish and shrimp business in Divisoria. His mother, Curita Bamba Villar was a market
vendor. As a boy, he was often seen assisting his mother in the wet market. His mother used to
wake him up early in the morning to help her carry loads of fish. Young Manny used to complain
it was too early but he would do it anyway just for her mother to save money by not hiring a
helper to do it. He recalled he was once commanded by his mother to encash a 40-peso check at
a bank in the former Manila Hilton Hotel. He was one of the earliest customers that time and the
teller complained that the check smelled like fish. However, he remained firm telling the bank
teller it was her duty to accept the check.

Manny learned his entrepreneurial skills from his best teacher, his mother. He said, I learned
from my mother what it takes to be an entrepreneur, and it means working really hard to achieve
your dreams. He described his mother as a consummate entrepreneur. He described her as a
very hard working person who was never been absent or late in the wet market. He further
described her as a dynamic, a woman of tremendous passion and ambitions, resourceful,
pragmatic, and has a very good skill in arithmetic especially in counting change.

Manny finished both his undergraduate studies and Masters Degree of Business Administration
in University of the Philippines (UP). He then worked with the accounting giant firm SGV & Co.
but resigned to try his luck into his first business venture. Having a background in the seafood
business, he first ventured into that same business. Unfortunately, it failed having lots of
uncollected receivables and he was technically bankrupt at the age of 22. Resilient, he thought of
an idea and he approached one of the restaurants he was delivering seafood that couldnt pay
him. He printed out meal tickets and convinced the restaurant owner to honor them. He then
went to sell these tickets at a reduced price to office workers. After one year, he was able to
liquidate his receivables. He then went to work again this time at Private Development
Corporation of the Philippines where he specialized in selling World Bank Loans.

His first real estate venture began in 1975 when he again resigned from his job at the age of 25.
He started with a capital of P10,000 which he used to acquire two reconditioned trucks in
hauling gravel and sand to construction sites for BF Homes. He then learned the business well
enough to build houses on 80 lots sold to him by BF Homes. The project was a success and it
made Manny a young millionaire at the age of 26. At this stage, he said to himself: One day, Ill
be the biggest home-builder in the country.

Manny then concentrated in this business and he decided to go for low-cost housing. His initial
tactic was to buy odd shaped lots of big developers that they cannot sell. Manny bought these
lots and built houses on them. Majority of his buyers were Overseas Filipino Workers who
availed the financing terms of PAG-IBIG, a government institution subsidizing the acquisition of
low cost houses. Eventually, he had sold more than 100,000 homes for the poor and middle class
Filipino families.

He then entered politics in 1992 by becoming a Congressman in the districts of Las Pinas and
Muntinlupa and continued by serving as Speaker of the House of Representatives and today as
Senate President. He has received various awards and recognitions. These include Agora Award
for Outstanding Achievement in Marketing Management in 1989, Most Outstanding Certified
Public Accountant in 1990 given by the Philippine Institute of Certified Public Accountants, and
Most Outstanding UP Alumnus given by University of the Philippines in 1991.

Truly Manny Villar is another excellent example of a rags-to-riches story. He proved to us that
his humble beginnings as a poor boy from Tondo was not a hindrance in achieving his dreams
and ambitions as long as there is hard work, persistence, and perseverance coupled with
determination. More power 'Mr. Sipag at Tiyaga'!

7. FERDINAND CHINKEE TAN is a lifestyle trainer whose wisdom and strength are drawn
from a life full of challenges.

Born in Tondo, Manila of Chinese parentage, Chinkee is the eldest of three children. He attended
UNO (Manila Chinese School) in elementary, Hope Christian High School, and Philippine
School of Business Administration (Manila) in college.

After his father experienced big losses in business, Chinkee at a very young age started to realize
the importance of perseverance and hard work. The family crisis brought him to Divisoria where
he bought everything that he could peddle to classmates and friends, including toilet paper, from
which he made some profits. It was this part of his life where he developed his business acumen.
In the course of his early start as a budding entrepreneur and the different challenges it presented,
his vision in life was crystallized: to be a very successful entrepreneur who will be at the
providing end of earning opportunities for people who need them.
The succeeding part of Chinkees life witnessed the realization of this vision. He embarked on
various ventures where he always figured out ways to reap good returns. His firm belief is to
just help enough people to get what they want and you will also get what you want in life. He
speaks from the heart and has spoken before retirees, executives, private as well as government
employees, students, church leaders, and even out-of-school youth. He has helped and coached
over 50 people to become millionaires in their business.
His topics of expertise include How to Get Out of Debt, Six Steps to Financial Freedom, Be the
Best That You Can Be, 6 Ds of Success, How to Reach Your Maximum Potential, How to
Speak Effectively in Public, How to Overcome Fear in Public Speaking, Six Steps to Improve
Self-Image, Developing a Winning Mindset, How to Deal With Change, Power of
Entrepreneurship, Developing Your Selling Skills, and Revealing the Leader Within You. He
attended the following seminars: Zig Ziglars Born to Win, John Maxwells Developing the
Leaders Around You, and Multi-level Marketing Training in Australia. His other past
accomplishments include being one of Randy Santiagos Hawi Boys, Barclays Executive
Distributor Top Earner, Herbalifes Get Team Top Earner, Issho Genki Diamond Executive (one
of the only two to achieve such an award) , Prudential Pension Plans Top General Agent, and
Vision Unlimited, Inc.s former CEO and helping over 35 people become millionaires through
Millionaires in Business (MIB).

8. JOLLIBEE -- Jolly (happy) and Busy (like bee)

Here Are 5 Business Lessons I Learned From Jollibees Founder Tony Tan Caktiong

Karamihan sa atin ang nakakain na sa Jollibee, pero karamihan din sa atin hindi alam kung paano
nagsimula ang Jollibee.

Ang Jollibee ay pagmamay-ari ni Tony Tan Caktiong. Siya ay anak ng isang kusinero na
nagsikap para makapagtapos si Tony ng pag-aaral. Si Tony ay nakapagtapos ng kanyang pag-
aaral sa University of Sto. Tomas (UST) sa kursong BS Chemical Engineering.

Hindi ginamit ni Tony ang kanyang kurso para yumaman. Siya ay sumubok na magsimula ng
kanyang negosyo. NagFranchise sya ng isang maliit ice cream parlor mula sa Magnolia.

Dumami ng dumami ang customers ni Tony at marami sa kanyang customers ang nagrequest ng
mga ibat ibang pagkain tulad ng mga sandwich, fries at fried chicken. Hindi pa uso noon ang
fastfood.

Dumami ng dumami ang ice cream parlors ni Tony sa buong Maynila. Noong nabalitaan ni Tony
ang McDonalds Food Chain sa America, pinalitan ni Tony ang kanyang Ice Cream Parlors sa
mga FastFood Restaurants.

Paano nila nakuha ang pangalan na Jollibee? Nakuha niya ang pangalan na Jollibee dahil sa
personality ni Tony. Masiyahin si Tony at palaging busy sa kanyang negosyo. Dito nakuha ang
Jolli meaning masiyahin at Bee dahil palagi siyang busy parang bubuyog, Busy as a Bee.
Sa ngayon, ang Jollibee ay may-ari na ng mga ibat ibang restaurants tulad ng: Greenwhich
Pizza, Chowking, Red Ribbon, DeliFrance, Mang Inasal atbp. At kilala na ang Jollibee hindi
lang sa Pilipinas kundi sa buong mundo na rin.

Heres the take-away lessons from Tonys Jollibee.

1. The Key To Being Financially Free is Not in Employment, but in Business.

Kahit na ang kurso ni Tony ay BS Chemical Engineering, hindi siya nagpatuloy sa kanyang
natapos na kurso. Hindi siya nagpatuloy na maging isang engineer upang maging empleyado
lamang. Siya ay nagsimula ng sarili niyang negosyo na kung saan siya ay masaya at malaya.

2. Take A Risk.
Alam ni Tony na sayang ang kanyang natapos na kurso sa UST subalit sumubok pa rin siyang
magNegosyo. Hindi man niya alam kung magiging successful ang kanyang Ice Cream Parlor,
pero ito ay sinubukan pa rin niyang simulan.
Paano kaya kung hindi man lang siya sumubok?
Saang kumpanya kaya nagtatrabaho ngayon si Tony?
Masaya kaya siya sa kanyang 8am-5pm job?

3. Start Now and Adjust Later.

Importante ang magsimula at mag-adjust na lamang habang tumatakbo na ang negosyo. SI Tony
ay nagsimula lamang sa isang maliit na ice cream parlor at nadagdagan ang mga produkto dahil
sa mga kagustuhan ng mga customers. Tsaka pa lamang niya naisipang itayo ang Jollibee
FastFood Restaurant.

4. Create A Memorable Brand.

Nabuo ang konsepto ng Jollibee dahil sa personalidad ni Tony at yun din ang tumulong sa
pagbuo ng branding ng kanyang fastfood restaurant.

5. Conquer Your Competition.

Naintindihan ni Tony na ang ibat ibang naglalabasan na mga fastfood restaurants ay kalaban
niya sa kanyang negosyo. Kaya namay binili niya ang ibat ibang restaurants na ito.

"If you dream big and put your dreams into action you will indefinitely make mistakes. But don't
be scared to make mistakes. Just be quick to recognize them and learn from them as fast as you
can."

- Tony Tan Caktiong

Chairman, Jollibee Foods Corp.