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PCM in a Nutshell

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					In the light of 3 John 2 and 1 Timothy 5:8, you must make
provisions for health and finances tomorrow as you earn
your income today.




                                                           with
                                                     LIFE SECURITY

Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.
     ARE YOU HAVING MONEY PROBLEMS?
     Like lack of income or spending more than what you
     earn? Want to learn Budgeting, Saving or Investing?

                                                     RICH


                                              WELL TO DO


                                          MIDDLE CLASS
 Income holds you to a
  particular standard of
 living, but when your               COMMON PEOPLE
INCOME STOPS, your
  needs continue, so
 LIFESTYLE DROPS !
                                 POOR / PAUPERS
                                               NO VACANCY




  SICKNESS          BUSINESS LOSSES / LOSS OF JOB
     causes TEMPORARY LOSS OF INCOME
                                           What if YOU were
                                           taken suddenly?

                                                   ?


 OLD AGE             DISABILITY         PREMATURE DEATH
     causes PERMANENT LOSS OF INCOME
Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.
  YOUR                    YOUR KIDS                    ?
 SAVINGS                   OUT OF
DEPLETED                   SCHOOL

                                   YOUR
                                 WIDOW
                                FORCED TO
                                 WORK &
                                  EARN A
YOUR PROPERTIES                   LIVING
    SOLD AT
                                                     YOUR
SACRIFICE PRICE         A LOWER STANDARD          UNPROVIDED
  FOR CASH $$$              OF LIVING             RETIREMENT
Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.
   For these reasons, PREVENTIVE PROGRAMS
                 became a must…
to AVOID getting sick, to CREATE a supplemental
    income in case of business losses or loss of
   job, to SAVE for an Income Replacement Fund
         to sustain the expenses brought by
   PREMATURE DEATH, DISABILITY or OLD AGE
1 Timothy 5:8 say, “ But if anyone does not provide for his
  own, and especially for those of his household, he has
    denied the faith and is worse than an unbeliever “

   ALL THESE - FOR AT LEAST DAILY SAVING WITHOUT
    DEFAULT $2.00 AND INVESTING $1.50 THROUGH THE
   YEARS UNTIL ANY OF THESE CONTINGENCIES OCCUR.
      WHAT IS FINANCIAL PLANNING?
     Planning how to spend the money that
                comes to you
  WHAT ARE THE BASIC PRINCIPLES TO FINANCIAL FREEDOM?
     GIVING                    RECEIVING                          MANAGING

Recognizing that God owns everything in this world ( Deuteronomy 10:14 ) and
          He gives us the power to get wealth ( Deuteronomy 8:18 )

    TITHING –                   SAVING –                     SPENDING –
  Malachi 3:10-11             Proverbs 6:6-8                 1 Timothy 5:8

                         “FINANCIAL PLANNING is
               Important when financial resources are limited”.
                            BUDGETING
TITHE                                              SPENDABLE INCOME
              SAVINGS
                             FIXED EXPENSES
   WHY DO YOU FAIL INSPITE YOUR
     SINCERE DESIRE TO SAVE?
             Because you use the
           wrong method of saving...
                              Not only did YOU use the wrong
“SPEND & SAVE”                  method, YOU also used the
    method                       WRONG SAVINGS PLAN.
                 More often than
                                 Most savings plans are really
                      not,       “SAVE-SPEND-SAVE-SPEND”
   SPEND          LEAVES YOU                plans.
   FIRST         WITH NOTHING Bank
                                             Loan Associations
                    TO SAVE
    and                    Mutual
                                                 Cooperatives
                           Funds
                                               Ease of
                         Temptation
                                             withdrawal
           save what        SPEND ALL SAVINGS ON
             is left.     TRADITIONAL CELEBRATIONS
        THE RIGHT METHOD OF SAVING
            “SAVE & SPEND”                       Just like putting money in
                                                        a piggy bank…
                method
                            Save regularly
  SAVE FIRST              without default or
     and                   misappropriation
                          for specific needs

                        Proverbs 6:6-8
                                               LIVE LONG             EXPIRE YOUNG
                           Consider
                             the
                                               Psalms 37:25     Ecclesiastes: 6:3
                           WAY OF
 spend what is            THE ANTS               “If YOU live long enough -
     left.
                                                 it’s for your retirement, if
  “Where there is no vision, the people
                                                 YOU expire young - it’s for
perish”, that is why foresight is important.             your family!”
      WHAT IS FINANCIAL PLANNING? HOW IS FINANCIAL FREEDOM ACHIEVED?

 Surrendering all our resources to God in prayer is the first step to do, and asking
     Him to help us in managing money in the light of His Word comes next.

    YOU, age 30 earning $400.00 a month
                                                 $45.00 monthly savings
          1. Live within a budget.
   Basic Needs – Fixed Expenses: Tithes,         $8,750.00
          Shelter, education fees, etc           Savings for Retirement
  Variable Expenses: Utilities, Food, Living
                Allowances etc.                  $15,000.00             $1.50 DAILY
                                                                       INVESTMENT
                                                 Income Protection
                                                                        ON HEALTH
      YOUR WAY               GOD’S WAY
Tithes:     $00.00      Tithes:       $40.00
                                                 $7,012.00                 FOOD
                                                 Profits Back Bonus
Savings:    $00.00      Savings:      $40.00
House:      $60.00      House:        $60.00     $8,750.00
Food:      $150.00      Food: $45.00 $105.00     Accidental Death Benefit
Utilities:  $30.00      Utilities:    $30.00     In case of Total and Permanent
Transpo:    $75.00      Transpo:      $75.00     Disability, no need to save
Spendable $85.00        Spendable      $5.00     anymore
                             DO YOU WANT HELP? ...
FREE Health & Financial Consulting Services: LUVIE at 9728100 or 7078100
 Are you suffering from any of
   these health problems?

• Weight Gain • Indigestion
• Low Energy • Acid Reflux
• Joint Pain • Constipation
• Headaches • Skin Problems
• Heartburn • Memory Problems
                                 10
     in the South Pacific Islands are brought about by
       WEIGHT –RELATED PROBLEMS
STATISTICS even show that in at least 10
     of the South Pacific Islands,
 50 to 90% of the                             ALARMING FACTS

 population are
                                                as disclosed by
                                           DR. TEMO WAQANIVALU,
                                          Technical Officer of the World
   overweight                                 Health Organization


Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.
Are you Underweight / Overweight?
    Male: ( Height-80 ) x 0.7  10%              Female: ( Height-70 ) x 0.6  10%
foot       cm        lbs.         kg.        U   foot     cm        lbs.        kg.
                                             N
5     2    157.5   116 – 133   52.5 – 60         4   10   147.5   95 – 111    43 – 46
                                             I
5     3    160     119 – 136   54 – 61.5     V   4   11   150     97 – 114    44 – 52
5     4    162.5   122 – 140   55 – 63.5     E   5   0    152.5   100 – 117   45.5 – 53
5     5    165     125 – 143    57 – 65      R   5   1    155     103 – 120   47 – 54.5
5     6    167.5   128 – 147    58 – 67
                                             S   5   2    157.5   106 – 123   48 – 56
                                             A   5   3    160     109 – 126   49.5 – 57
5     7    170     132 – 151   59.5 – 68.5
                                             L
5     8    172.5   136 – 156   61.5 – 70.5       5   4    162.5   112 – 129   51 – 58.5
5     9    175     140 – 160   63.5 – 72.5   B   5   5    165     116 – 133   52.5 – 60
5     10   177.5   145 – 164    66 – 74      M   5   6    167.5   118 – 137   53.5 – 62
5     11   180     149 – 169   67.5 – 76.5   I   5   7    170     122 – 141   55 – 64
6     0    182.5   153 –174     69 – 79          5   8    172.5   126 – 145   57 – 66
                                             C   5   9    175     130 – 149   59 – 67.5
6     1    185     157 – 178   71 – 80.5
                                             H
6     2    187.5   161 – 183    73 – 83          5   10   177.5   135 – 154   61 – 70
                                             A
6     3    190     165 – 188    75 – 85      R   5   11   180     139 – 158   63 – 71.5
6     4    192.5   169 – 193   76.5 – 88     T   6   0    182.5   145 – 163   66 – 74
Being sickly or overweight puts you at greater
 risk of developing dreaded diseases such as:
                     Stroke
                     Cardiovascular Diseases
                     High Blood Pressure
                     Major Organ Failure
                     Diabetes, Cancer
                     Damage to Joints
                     Varicose Veins
                     Arteriosclerosis
   FIVE ORGANS OF ELIMINATION




Heartburn, Acid-reflux, &      Headaches, Memory,         Kidney Problems, Low
      Indigestion               Cholesterol & Joint      Sex Drive & Hypertension
                              Problems & Low Energy

                               TO SUM UP, IT ALL
                            STARTED WITH WHAT WE
                            INGEST INTO OUR BODY,
                              be it food, cigarettes,
                               alcohol, and more...

 Asthma & Bad Breath                                  Acne, Skin Problems & Boils
Do you want to        HEALTHY LIVING through CONSUMERISM
be free from
illness, achieve
good health,
stay healthy and
live long?
OBEY WHAT
GOD’S
WORD SAY
(Gal.6:5, 1Tim.5:8,
Gal.6:2, 2Tim.2:2
& 2 Cor. 8:14)                                     $ 45.00
                                                     or
                                                  $ 100.00
Contains plant phytofibers from fruits & vegetables.     Made from natural oranges for vitamin C
                                                         and fortrified with calcium
                                                                                                           E
              SHAKEOFF $ 9.10 /sachet                                                                      D
               for colon cleansing and                   BUBBLE C $ 2.35 /sachet                           M
                    detoxification                          for fast nutrient                              A
Alkaline-rich vegetable from blue-green algae                 absorption                                   R
                                                         500 gms of Liquid Chlorophyll from
 SPIRULINA $ 0.65 /tablet                                Alfalfa & Mulberry leaves
                                                                                                           K
    for good nutrition                                            SPLINA $ 100.00 / bottle
        foundation                                                                                         N
                                                                     balances acidity &
Low calorie balanced organic formulation.                                                                  U
                                                                   alkalinity of the blood
                  MRT $ 10.85 /sachet                                                                      T
                                                    Made from Ginsenoside with arabica coffee.
                   for burning fat and                                                                     R
                                                        GINSENG $ 1.85 /sachet
                       nourishing                                                                          A
                                                         for increased energy &
Natural excellent soy protein & whey extracts                                                              C
                                                          mental alertness while
with free form amino acids
                                                       normalizing blood pressure                          E
 BIO ELIXIR $ 15.35 /sachet                       Chocolate flavored high grade marine collagen            U
 for natural release of HGH                                         COCOLLAGEN $ 3.00 /                    T
   resulting to anti-aging.                                        sachet for the complete                 I
Made of fermented red yeast rice & coffee beans                     vitamins of your skin                  C
              RED YEAST $ 1.85 /sachet                     PROMO PACKS FOR PCM MEMBERS                     A
              removes bad cholesterol &                Cleanse/Protect, Nourish/Protect, Balance/Protect   L
                triglycerides naturally                @ $25.00 monthly w/o default for a year             S
 Avoiding Sickness, achieving
good health & staying healthy
      is easy as A - B - C!
                 A – APPLY fist-size meal in eating.
B – BREAKFAST should be your heaviest meal. Lunch should be fruits &
    Vegetables while Dinner should be any of Healthy Living Products
         C – CREATE a habit in 21 days and DO THIS FOR LIFE.
ORDER & PAY your products, services and programs as can
  afford, as needed or as required Cash On Delivery at retail
   through PCM Partners or PREPAID at wholesale through
 PCM at BSP, Fiji or direct UAE to BDO or BPI in Philippines.
                                     FRANCISCA LUZVIMINDA A. ADRICULA
                                    Bank of the South Pacific (BSP), Samabula
                                        Savings Account No. 8422005
Call at 9728100 * 7078100 or Email: luvie.adricula.pcm4life@gmail.com
              ACCEPT
      THAT MAN IS COMPOSED OF BODY,
T    SOUL AND SPIRIT, ALL THREE (3) MUST
R         BE WELL TAKEN CARED OF.

U    That GOD created the HUMAN BODY with a
    natural ability to heal itself through physical law
T   or spiritual law, has given us financial principles
       to live by & a bright future life to look up to.
H   Isaiah 53:5 &6 (healing), Job 33:14-30 (Cause of Sickness & Healing),

S            2 Corinthians 8:9 (prosperity), John 10:10 (abundance),
                              John 5:24 (eternal life)
“For all have sinned and
 fall short of the glory of
           God.”
Romans
 3:23
 The Bible says...
 THE WAGES OF
  SIN IS DEATH
“As it is written, There is
 none righteous; no not
Romans     one.”
     3:10
If YOU die today, where
  do you think will your
    soul and spirit go?
ACCEPT              Do YOU know that
                     you can secure
                     where your soul
                      and spirit will


BELIEVE
                     spend eternity -
                         today?



  That JESUS IS THE ONLY
WAY TO HEAVEN for your soul
      & spirit and a RIGHT
RELATIONSHIP WITH GOD will
allow you to claim His promises
   of PROSPERITY & GOOD
HEALTH for your physical body
    as promised in 3 John 2.
“Neither is there salvation in
  any other. For there is no
  other name, under heaven,
     given among men, by
  which we must be saved.”
           ACTS 4:12
              ACCEPT                       Do you want
                                           freedom, from
                                           physical, financial,
                                           and spiritual
                                           bondages?


               BELIEVE                     A - accept,

                                           B - believe,

                                           C – confess.


               CONFESS                     NOW - redeeming
                                           the time at hand.


CONFESS YOUR SINS TO GOD THROUGH CHRIST,
ask forgiveness for the wellness of your soul and spirit.
                                            from the law
        from GOD                            of sin & death
                                 3 John 2



   FINANCIAL SECURITY IS NOT A MATTER OF CHANCE BUT OF CHOICE –
TO PLAN AHEAD OF TIME, because yesterday is gone, tomorrow will never come
  GOOD HEALTH IS YOURS ON A DAY TO DAY BASIS, YOU CAN NEVER TELL
         WHAT YOUR HEALTH CONDITION WILL BE TOMORROW.

  and, YOU ONLY HAVE TODAY TO DECIDE
                        HOW TO PRAY
Dear LORD JESUS,

I realized that I am a sinner and need your forgiveness. I believe that
you died on the cross for my sins and that you have redeemed me from
the curse of the law of sin and death. I want to turn away from my sins
now and I invite you to come into my heart and life. I trust you and am
determined to follow you as my Lord and Savior. Take control of my life
and guide each step I take, daily in all my activities. Let your Holy Spirit
be with me. Now I understand that you have redeemed me from pover-
ty, sickness and death. And with eternal life, I am on my way to claim
your promise of prosperity and good health.

In Jesus name I pray, AMEN.

                                 ________________________________
                                        NAME & SIGNATURE
DATE:_____________

				
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