Have you heard of the question, "Kikita ba ako dyan kahit wala akong gawin?" You'll hear this from people who wants it easy.

If an investment sounds too good to be true, then maybe, you shouldn't put your money in there.

I'm sure you've heard of the latest pyramid scam that just happened in Mindanao. (P12 billion lost, 15,000 families affected)

The promise of a big and quick return (what the banks or reputable firms can't offer) with no work required on your part is a sure sign of risk or danger.

Your money can only make money for you...

1. When you use it to "create value" for a customer. 

Try to use your money to buy buns, spam, pepper, eggs and cheese. You have a Spam Black Pepper Sandwich that sells around P150 in Starbucks.

Remember, your money won't grow on its own. It needs to do something for a customer. 

2. When you trade it with something more valuable. (buy low, sell higher)

Say you found a good deal. You were able to purchase a car for only P200,000. After two months, you were able to resell it for P250,000. You've just made P25,000 per month for two months. (return: 10% per month)

3. When you use it to buy something that appreciates in value. 

Let's say about two years ago, you purchased a P2 million commercial property in a decent location. You just found out today that SM is about to put a mall across your property.

Effect : Appreciation. Now people find your property more valuable. Your P2M is now worth P3M or more if ever you decide to sell. 

4. When someone reputable (with a proven track record) puts your money to work or use it to grow their "profitable" business. 

Note: Don't invest your money in a company that's trying to save an ailing business!

5. When you buy a property that collects rent every month.
(property: anything that people are willing to pay rent for – real estate, heavy tools or machinery, portalets, tables & chairs, etc)

Don't simply go for easy money. Laziness often leads to shortcuts.  

To grow your money, either put it to work yourself, (faster than usual) or ask a reputable company to do it for you. The latter may take longer, but your money will still grow over time. 

Wealth from get-rich-quick schemes quickly disappears; wealth from hard work grows over time. Proverbs 13:11