Succeed Financially and be Debt Free
ISBN: 0-7414-2024-4 By Roldimy Montinar

Some rules, although they might seem like common
sense to many, are important to follow. They might be
ignored because of a lack of knowledge or bad habits.
Principles include:

  • Respect your spending limit
  • Do not spend more than you earn
  • Invest only what you can afford to lose
  • Transform your money into assets
  • Always try to overcome loss to gain
  • Have more assets than liabilities
  • Try the best you can to avoid mistakes
  • Always keep your losses lower than your
    gains
  • If you are losing, find out why and stop it.
  • If you are gaining, find our why and keep
    up for  as long as you can
  • Invest in a way that will benefit you
  • Use your knowledge; do not abuse it
  • Do not take financial risk if you cannot afford
    it
  • Transform your debts and liabilities into assets
  • Cut your liabilities as low as possible
  • Manage your money in a way to bring you
    more
  • Use your money and assets in a way to create
    more assets
  • Do not sell when you suppose to buy
  • Do not buy when you suppose to sell
  • Understand the difference between good  
    and bad debts
  • Avoid and eliminate deficit
  • Do not try to be personal, always seek
    advice from those who have more
    experience than you do,  basically those
    you can trust
  • Do not get yourself to approach debt
  • Now is the time to get out of debt, to
    succeed  financially,  and to manage your
    money accordingly



















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                   A Crime-Free Nation
          ISBN: 0-7414-5329-0 By Roldimy Montinar

                    Crime:   
Circumstances - Challenges - How We Can Help

                      Circumstances
  1. We all have the ability and the capability to violate the criminal
    law
  2. Law enforcement agencies can only reduce crime
  3. The criminal law itself, despite what it states, cannot stop
    anyone from violating it

                         Challenges
  1. Law enforcement agencies and the criminal justice system
    personnel cannot fight all crime by themselves and cannot
    prevent all crime from happening
  2. Sometimes, when experts suspect and believe that someone is
    likely to break the criminal law, they cannot precisely tell the
    time, the location, and how he will do so
  3. Even psychologists cannot help with the prevention of all crime
  4. Even when the system provides stiff penalties and the ultimate
    sentence for those who commit serious crimes, people continue
    to break the law
  5. Newspapers, TV, and radios continuously report crime and their
    consequences, yet crime keeps on happening and people
    continue to be victims of it
  6. Some who come out of jail find their way right back in for
    violating the criminal law again
  7. Despite arrests, prosecutions, convictions, and sentences, the
    criminal law is being broken every single day
  8. Law enforcement officers and personnel are on the streets and
    make their presence known, but that does not stop some
    individuals from breaking the law
  9. Day-by-day some individuals are scanning through new ways of
    breaking the law
  10. Unless somebody can control someone else’s ideas, thoughts,
    emotions, capabilities, and abilities to act and react, there is
    little we can do to prematurely prevent crime from being
    committed

                              How We Can Help
  1. Practice individual discipline, act responsibly,  and do
    everything with justice
  2. Law enforcement agencies need everyone's help to combating
    crime
  3. We all need to not behave criminally, and act accordingly
  4. While the criminal justice system is doing all it can to protect
    and serve us, we also need to help it by  not violating the
    criminal law ourselves
  5. We all need to think about what we want to do before we do it
    and avoid doing what can lead to the violation of the criminal law
  6. Report crime and  suspicious persons and activities to law
    enforcement
  7. Become involved with your local law enforcement agencies in
    combating crime
  8. Help stop crime before it happens, always be on alert, and
    contact and follow our local law enforcement agencies guideline
    on how to deal with crime
  9. One of the best ways to help with the prevention of crime is for
    every single one of us not to violate the criminal law ourselves. -
    Roldimy Montinar
  10. The criminal law itself, despite of what it states, cannot stop
    some people from violating it. Law enforcement agencies can
    only reduce crime. But every single one of us can eliminate
    crime by practicing individual discipline, acting responsibly, and
    doing everything with justice. Roldimy Montinar

-   The ability, the capability, and motives to break the
criminal law are within our control and ourselves. We can
make sure that no criminal law is broken again and we
can help do that by not, first of all, violating it ourselves.
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It is foolish to ignore the wealth of experience all around us from those who have tried and succeeded, and from those
who have tried and failed. People can always intuitively tell whether you have their best interests at heart. When you do,
a well-placed piece of advice, given with the right motives, is priceless.
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