Retirement Tips for Late Starters By Dave Ramsey

Three Retirement Tips for Late Starters
By Dave Ramsey

Now is the time to get moving!

Are you one of the millions of people who realized you started saving for retirement about 20 years too late?

If so, don't lose your head and start freaking out. Here are three tips to help you.

1. Downsize your lifestyle.
It's a safe bet that you'll need about 85% of what you earned before retirement after you leave your job. If you buy that $5 latte every morning or always wear the expensive, name-brand clothing, I'm talking to you. It's time to get "gazelle intense" about paying off all your debts and living on less than you make.

2. Put off retirement for two more years.
The more you work, the more you save. According to the Center for Retirement Research at Boston College, most people that work just two more years past retirement age can lower the amount of savings needed by about 25%. Plus, the extra income won't hurt anything!

3. Start investing in mutual funds.
If you're 40 and have zero dollars in your retirement account, don't give up yet! By saving just $2,000 a year in a mutual fund earning 12%, you will have $333,866 by age 65—or $428,714 if you wait till age 67! While you won't have the most luxurious retirement, you can draw a decent yearly income from the interest by leaving that money alone. That's roughly $48,000 a year!

If you're a late starter, you need to get moving right now because time is your biggest enemy!
Now is the time to get in touch with the investing professional in your town who Dave recommends to get you started investing or to maximize what you already have. These professionals have been interviewed many times to make sure they give the absolute best advice. Connect with Dave's Endorsed Local Provider in your area.

Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of The Total Money Makeover. Dave is changing the face of America by helping people get out of debt and build wealth. Ramsey exemplifies his life's work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others. Find out more at daveramsey.com.

Productivity and Attitude By Zig Ziglar

Productivity and Attitude
By Zig Ziglar

I'm the only one who does anything around here! Several years ago I was on a late-night television show in New York City. For some strange reason, they wanted me in the studio that afternoon at 4:30. I walked in and was stunned by the small size of the reception area. It contained a couch for three, a chair for one and a sink, refrigerator and coffee maker.

As I sat down a woman walked in, shook her head and said, "Nobody makes any coffee except me!" She got busy and started a fresh pot of coffee. A few minutes later a guy walked in and, following the same procedure said, "I can't believe it! This place would be a pig-pen if it weren't for me! I'm the only person who ever does any clean-up," and he cleaned up the small area. Still later another woman walked in and complained, "Nobody ever puts anything up but me," and she proceeded to put things away.

Interestingly enough, all three of those people sincerely felt they were the only ones who ever did anything. Each one did their own private halo-adjustment as they went through the process of "making up, putting up and cleaning up."

Question: Is that the way it is in your company, where "nobody does anything," but everybody thinks they're the only one who actually works? Thought: If that is true and you are the only one who does anything, think of the incredible advantage that gives you. Not only do you have job security, but the opportunity door is wide open for your move to the top. However, if you have a chip on your shoulder, if you honestly feel that you do everything and you share that feeling with others, your bad attitude negates your good work. So, stay busy, keep working, smile about it and your good attitude about "doing everything" will catch up with you. Think about it and I'll SEE YOU AT THE TOP!

Zig Ziglar is a motivator and teacher. He is the author of 27 books and loved by millions of people world wide for his practical wisdom and his gift of hope.

Attracting Wealth by John Calub

Event Information

Date: April 26, 2008 (Saturday)

Venue: Crowne Plaza Hotel (Beside Robinson's Galleria Mall in EDSA and Holiday Inn Galleria Suites)

Time: 8AM to 5PM

ATTRACTING WEALTH

"How To Harness The Law of Attraction"

DO YOU WANT TO

• Multiply your income?
• Get out of debt?
• Increase the size of your business and accelerate sales?
• Have more time to do the things you really love?
• Enjoy a stress free life?
• Attract a life partner?

If you said YES to any of the above, then this program is for you! (READ ON)

Understanding and learning how to use "The Law of Attraction" can help you create Wealth & Abundance in every area of your life on purpose.

I Will Show You How!

The Law of Attraction is one of the universal or natural laws of the universe. Like gravity or electricity, it works with mathematical certainty. It is energy in motion. It means that whatever you are consciously or unconsciously focusing on in your life, you will attract more of, whether wanted or unwanted. Simply put, everyone is like a magnet. Just imagine what you can do if you can activate on purpose the human magnet in you and attract whatever it is that you truly want!

Below are some of the lessons you will from this program:

1. The ultimate success formula
2. The technology of goal achievement
3. Why positive thinking alone is not enough
4. How to attract anything you desire
5. How to harmonize the left and right side of the brain to tap into your unlimited potential
6. The power of music
7. How to master your emotions
8. The science of getting rich
9. Going beyond visualization - the power of "Genius Creation"
10. How to become a money magnet
11. "Giving": The greatest wealth attraction technique in the world
12. The miracle of tithing
13. Creating a prosperity vacuum through forgiving
14. The millionaire mindset

Watch the following TV Interview about the Attracting Wealth program:

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How Much Is This Worth?

• If you use what you learn in the "Attracting Wealth" program to increase your income year after year by a conservative 25% over the course of a lifetime, how much is that worth?
• If you use what you learn in the "Attacting Wealth" program to create positive changes in the lives of your family and friends, how much is that worth?
• If you develop a millionaire mindset after taking the program that allows you to become successful the rest of your life, how much is that worth?

The Information and Experience Contained Within This Workshop is PRICELESS!

CALL 382-99-97 or 744-29-25 NOW!!!

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Avail of our early bird promo by registering and paying on or before April 8, 2008 (Tuesday)

Seminar Rate: P3,000.00* per participant

Early Bird Rate: Only P2,000.00* per participant

VAT Inclusive; Comes with lunch, snacks, workbook and certificate of completion

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Your registration is absolutely risk-free as you are backed up by our 100% Full Money-Back Guarantee. You can ask for an unconditional refund of your course fee within 2 business days after the seminar if you are not completely satisfied with the program. Simply return all the course materials and we will refund your tuition in full, no questions asked!

Seats for this seminar are fast becoming sold out since the advertisement came out in Philippine Daily Inquirer. We highly recommend that your pick up the phone and register now. We would also like to encourage you to invite your relatives, friends, officemates and other colleagues. Better yet, you may want to consider giving the gift of hope to your loved ones by sponsoring their registration to this seminar. There's no better gift than sharing with them an opportunity of a lifetime to achieve their dreams!

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This is what you've been waiting for! A complete system with exact instructions on how to harness The Power of The Law of Attraction!

This is no accident that this opportunity came to you. You attracted it! The question is - Will you grab it?

HURRY! CALL 382-99-97 or 744-29-25 NOW!!!

OR

DOWNLOAD our Registration Form NOW!

Success Principles by Jack Canfield 1

TAKE 100% RESPONSIBILITY FOR YOUR LIFE

As human beings, we often believe we don't have enough money,
romance, success or joy in our lives. But what we need to
understand is that greatness exists in all of us. It's simply
a matter of pulling that greatness out of ourselves and using
it to get us from where we are now...to where we want to be.

While many people believe they are entitled to live a great
life, top achievers we've met over the years know they must
take 100% responsibility for achieving the lifestyle,
relationships, financial freedom and opportunities they
experience in their lives.

This isn't always easy. But one way to start taking more
responsibility is to begin responding differently to the events
that occur in your life. Remember the formula from Principle #1
of The Success Principles book?

---->>> E + R = O

Event + Response = Outcome. That's right...you can actually
change the outcomes in your life - and get better ones - simply
by responding differently to challenges and opportunities
that occur.

Listen now as Jack walks you through how to respond differently
using the E+R=O formula. Click on this audio link now and wait
a few moments for today's audio lesson to start playing:

Windows Media:
http://www.thesuccessprinciples.com/media/JC_audio_1.wma

Real Player:
http://www.thesuccessprinciples.com/media/JC_audio_1.ram

Taking 100% responsibility is what successful people do.
And it's the first step YOU must take on your new Success
Principles journey.

We'll see you tomorrow with another mentorship message.

In friendship,

JACK CANFIELD and JANET SWITZER

Work-Life Balance Workshop by Dr. Agnes Sarthou

Work-Life Balance Workshop with Dr. Agnes Sarthou, facilitator of Stress Management and Organizational Development workshops 9am-5pm, March 5-6, 2009 Dusit Thani Manila

"Very good Workshop! Excellent facilitator!" - Ms.Jenny Lopez Arciga, Isla Lipana & Co. "I recommend this workshop to my colleagues! The whole session is very revitalizing - all things and thoughts are delivered very well. Aggie is very fantastic." - Rubina Del Rosario de Guzman, Hitachi GST Phils., Corp

Dear Tony, Learn how to achieve the elusive "work-life" balance and reduce burn-out, stress, absenteeism, strained relationships, and health problems in your workforce and management team at our Work-Life Balance Workshop on March 5-6, 2009 at the Dusit Thani Manila. Gain the 7 benefits below and find out why organizations like Avon, Sykes Asia and the British Educational Foundation have previously joined our must-attend workshop: 1. Find out how to reduce burn-out at work 2. Clarify one's life and career goals and priorities 3. Improve relationships by identifing major stress areas at home and at work 4. Learn how to promote high productivity and effectivity in the workplace 5. Discover principles, tools, and techniques on life-time management 6. Find out how to promote well-being at work and at home 7. Learn how to prepare a Personal Work-Life Balance Plan Here are our Rave Reviews from our previous Work-Life Balance Workshop: "Ms. Aggie is simply EXCELLENT!" - Estela Agojo Araullo, PLDT "Good job! I enjoyed the seminar!" - Jenny Ocampo Morata, Team Sual Corporation "The speaker's presentation is superb! Very good, truly inspiring. Please have more of these inspiring seminars!" - Ofelia Bisnar "Topics are relevant both in the workplace and at home!" - Pamela Jean Delda, New City Commercial Corporation "Dr. Agnes is awesome! I liked the exercises that made me evaluate myself." - Weena Christine Cortes, Sophie Martin Phils, Inc. "I will recommend this seminar to my colleagues to attend the next run." - Dunlee Ong Ramos, Mercury Group of Companies, Inc. "I can now go on a vacation and not be guilty about leaving the office!" - Minerva Dimson, Adformatix, Inc. "Good job, very organized!" - Arleen Molinar, Sunpower Phils Manufacturing, Ltd. "Aggie is so lively and has such mastery of the topic!" - Shyrel Zamora Morco, Magsaysay Maritime Corp "Great topic & excellent speaker!" - Diana Victoria B. Collado, Risk Metrics Group (ISS Inc). "Aggie is awesome and awe-inspiring!" - Lafayette A. Lim, New City Commercial Corporation The workshop involves highly interactive exercises, structured learning, and games, so you can be sure that this is not just your ordinary sit-and-soak seminar, but rather an enjoyable, highly interactive event. Please scroll down the invitation below and simply email or fax back the reservation form. Thanks and God bless! Nicole Therese R. Guerzon Project Manager - Work Life Balance Workshop Salt and Light Ventures, Inc. nicole@saltandlight.ph P.S. Save up to P1,000 when you sign up as a group! Fax us at 8132745 or email the reservation form below at slvguru@pldtdsl.net or nicole@saltandlight.ph.

Workshop Overview The Work-Life Balance Workshop is designed to equip you and your team with the know-how to effectively reduce stress and promote well-being. Dr. Agnes Sarthou and her experience for over 20 years with stress management and organizational development will guide you as you discover how to address the challenges of achieving the elusive "work-life balance". The Program involves highly interactive methodologies such as structured learning exercises and games to maximize learning and fun. The Work-Life Balance Workshop provides for the development of a Personal Work-Life Balance Plan for each individual. Workshop Curriculum *Registration starts at 8am Module 1: Work-Life Balance (WLB): Truth and Myths Module 2: Assessing Your Current WLB Situation Module 3: Setting Your Goals and Priorities Module 4: What Truly Matters: Defining Your Priorities Module 5: Response Management: Taking Full Responsibility for Actions & Reactions Module 6: Life's 10-90 Principle Module 7: Staying on Focus, Despite Interruptions Module 8: Managing the Times of Your Life Module 9: Strategies to Develop and Nurture Relationships at Home and at Work Module 10: Developing a Work-Life Balance Plan Workshop Design The name workshop says it all. While our workshop is led by an engaging Salt and Light Ventures' facilitator, you'll soon realize this is not just your ordinary sit-and-soak event. You can be assured that it will be an informative, revealing, and fun program that you've ever participated in. Who Should Attend? * Leaders, managers, supervisors, directors, and executives, who give importance to employee satisfaction, high productivity, efficiency, and who need to teach, as well as model a work-life balance example to their team members. * Trainers and HR professions who are responsible for implementing stress management and innovation programs within their organizations. * Individuals who are: *Overwhelmed by workload with extremely demanding customers, colleagues, or superiors. *Always lacking time for doing the things they want. *Feeling guilty, since they are unable to attend to their spouse nor children due to never-ending deadlines *Increasingly exhausted at work with lack of energy to enjoy their family and spouse. *Intensely stressed because of conflicting demands at work and at home. *"Out of balance", experiencing stress, fatigue, and relationship problems. Action Planning Nothing is more important than transferring what you learn in the classroom back to own personal and work environment. That is why we purposely schedule time during the workshop for you to develop your own Work-Life Balance Plan and apply it to your work. Our Facilitator will walk you through the important steps so that you will be able to take advantage of your very own Work-Life Balance Plan. Workshop Facilitator Agnes "Aggie" Sarthou, Ph.D. brings with her a wealth of corporate and training experience on disciplines of management, organization visioning, strategic planning as well as skills on leadership, communication, people handling and values. Dr. Sarthou's passion is to help individuals and organization maximize their potential both at the personal and professional levels through skills training. For over twenty years of training and consultancy experience, Dr. Sarthou continues to receive encores in her training programs as she inspires learning and application in various areas of personal effectiveness, organization development, management and leadership. Dr Sarthou's expertise in training includes Organization Development, Organizational Visioning and Strategic Planning, Personal and Organizational Leadership, Communication/Assertion, Managing Change, Career Management, Stress Management. She has trained and consulted with dozens of multinational clients and has held managerial positions at the Bank of the Philippine Islands, the Office of the Prime Minister and the Ministry of Finance. She has also lectured at the University of the Philippines, College of Economics. Feedbacks from Dr Sarthou's clients are glowing and reflect the quality of her work and the charisma of her teaching style. Rave Reviews for Dr. Agnes Sarthou: "Aggie has great rapport with the audience. She encouraged everyone to participate!" - Chevy Gangoso, BPI "Ms. Aggie is just amazing! She drives every point home. It hits sensitive strings of the heart. Time flies so fast with her!" - Ms. Mary Rechelle Guzman, Mary the Queen Academy of Pampanga "Ms. Agnes is very inspiring. Her shared experiences drive the points she wants to make." - Ms. Anna Lorraine Gonzales, RiskMetrics Group - ISS Governance Services "Very good facilitator!!!" - Ms. Anariza Marte, Ortigas and Company Limited Partnership "Dr. Agnes Sarthou delivers her talks with clarity, wisdom, and depth of insight. Often, I would leave her seminars challenged or rebuked; inspired or reflective; but always encouraged and full of hope. For me, Aggie is part of a rare breed of brilliant speakers!" - Amyjay Riconalla, FOCIG "Well done Aggie! Enjoyed it!" - Maricar M. Castillo, Q2 HR Solutions, Inc. "Aggie delivers her message very well. Audience participation has been very encouraging as we're all hands-on during the activities." - Shakespeare Tan Ang, Gold Orchard Distribution "She is so inspiring!" - Catherine Tabada, Wyeth Philippines Training Investment Work-Life Balance Workshop 9am-5pm, March 5-6, 2009 Dusit Thani Manila Regular Rate: P12,977+12% VAT Group Discounts: 3 delegates - Less P 300 per delegate on top of Regular Rate 4 delegates - Less P 400 per delegate on top of Regular Rate 5 delegates - Less P 500 per delegate on top of Regular Rate 6 delegates - Less P 600 per delegate on top of Regular Rate 7 delegates - Less P 700 per delegate on top of Regular Rate 8 delegates - Less P 800 per delegate on top of Regular Rate 9 delegates - Less P 900 per delegate on top of Regular Rate 10 delegates - Less P 1,000 per delegate on top of Regular Rate To reserve your seat/s for your delegates, please fill up the form below and return it to this address (or email it to slvguru@pldtdsl.net if this has been forwarded to you) All of the above fees are inclusive of: * Workshop attendance * Workbook * Certificate of completion upon request * Lunch and 2 snacks per day Look! 4 Easy Ways to Reserve: [ ] Fill out the form below and Email us at slvguru@pldtdsl.net or nicole@saltandlight.ph [ ] Fax this form to 813-2745 or 886-4841 [ ] Call 8132732/03; 8302191 ask for Nicole, Fina or Juliet [ ] Send form together with your company check to Salt and Light Ventures, Inc., 4/F Majalco Bldg., 104 Benavidez St., Makati City. You may also deposit payment to Salt & Light Ventures, Inc. BPI Current Account # 3211-0837-85, Corinthian Plaza, Paseo de Roxas, Makati branch. Please remember to write the name(s) of the delegate(s) on the deposit slip. Work Life Balance Workshop 9am-5pm, March 5-6, 2009 Dusit Thani Manila Facilitated by Agnes "Aggie" Sarthou Ph.D. Source: WLB4-mar5-6, 09 0225 bandwagon RESERVATION FORM TERMS: 1. Cancellations made 7 days before the seminar will not be honored. Thirty percent (30%) of the total amount will be charged to you should you fail to inform us of your cancellations before the 7 day deadline. Cancellations should be in writing and emailed or faxed to us. Seminar participation may be transferred to another person in the same company. 2. This reservation form, when completed, may also serve as your billing invoice. 3. All seminar fees must be prepaid. COMPANY DETAILS NAME OF COMPANY/ORGANIZATION Perfect Home Centrum ADDRESS G. Flores Avenue Butuan City TELEPHONE # FAX # EMAIL ADDRESS WEBSITE RESERVING OFFICER'S NAME DESIGNATION RESERVING OFFICER'S CONTACT# EMAIL ADDRESS PRODUCT/SERVICES OFFERED TYPE OR SERVICES OFFERED COMPANY TIN# PARTICIPANT 1 [ ] MR [ ] MS [ ] MRS [ ] DR [ ] PROF NAME NICK NAME DESIGNATION TELEPHONE # FAX # MOBILE # EMAIL ADDRESS PARTICIPANT 2 [ ] MR [ ] MS [ ] MRS [ ] DR [ ] PROF NAME NICK NAME DESIGNATION TELEPHONE # FAX # MOBILE # EMAIL ADDRESS PARTICIPANT 3 [ ] MR [ ] MS [ ] MRS [ ] DR [ ] PROF NAME NICK NAME DESIGNATION TELEPHONE # FAX # MOBILE # EMAIL ADDRESS * For more than 3 pax, kindly add more. Thank you. * Mobile# is optional but important in case we need to confirm or inform delegates of urgent, last minute changes in case of emergencies (ie. weather, speaker changes, etc). KINDLY SELECT ONE OF THE FOLLOWING PAYMENT METHODS: [ ] By Cheque. I will send check payment to your office on ___________________________. [ ] By Pick-up. Please pick-up our check on _____________________________ (time/date). Made payable to Salt and Light Ventures, Inc. [ ] By Bank Deposit. Kindly remit the money to the ff. bank details: Company Name: Salt and Light Ventures, Inc. TIN #: 212-844-982-000-VAT Account #: BPI CA#3211-0837-85, Paseo de Roxas, Makati Branch For zero rated or VAT exempt companies, please include your Certificate of Exemption. Provide Form 2307 or Certificate of Tax Withheld if payment done with tax withheld. Please withhold only 2% as we are classified as suppliers or contractors of services. Source: WLB4-mar5-6, 09 0225 bandwagon Produced and Organized by: Winner - The Gold Quill Award for the Achievers & Leaders (ALS) Seminar 2005 Winner - The Anvil Award of Excellence for Institutional & Corporate Programs for John Maxwell Leadership Summit 2004 Winner - Araw Gold Award, Philippine Ad Congress - Tom Peters Live! Seminar 2003

now is your chance to learn the effective solution to decrease miscommunications in your organization! , How often do you hear this in your office? "Sorry for the mistake, we had a miscomm!" "Oh, we had a misunderstanding.." "I just can't get along with her/him..." Miscomms and misunderstandings usually result in mistakes that cause your team to miss your targets and goals. These are MISsiles that you can avoid. Discover how to strengthen your influence and greatly improve your team's ability to communicate with one another at our Managing Miscommunications (D.I.S.C.) Workshop on March 31, 2009 at the Dusit Thani Manila! How do you avoid these miscomm missiles? Discover how to manage these MISCom MISsile with the D.I.S.C., the simple and breakthrough method of answering all those questions above and more! D.I.S.C. is an acronym of the 4 main behavioral traits every human being has. Every person is unique and has a different combination of all 4 behavioral traits: D: Dominant I: Interactive S: Sensitive C: Critical Because communication and understanding behavioral traits is vital in an organization, our Managing Miscommunications (D.I.S.C.) Workshop will help you: Learn to be aware of your personal strengths and weaknesses. Communicate on a more powerful and empathetic level with your team. Become more positive and optimistic with action steps during crisis situations. Gain the necessary leadership tools to lead the unique make-up of your team. Manage conflicts in a positive and easy way! Sign up before February 28 for our best buy rate and save P2,000! Regards, Nicole Therese R. Guerzon Managing Miscommunications Salt & Light Ventures - Managing Well Workshop Series www.saltandlightventures.net P.S. Save P2,000 when you sign up before February 28. Just scroll down for the map to the venue as well as the invitation below. Simply email back reservation form at slvguru@pldtdsl.net or nicole@saltandlight.ph. Or, you may print out the reservation form and fax it at 8132745. 5 Reasons why you should sign up now! 1. Take the D.I.S.C. Behavioral Assessment in less than 20 minutes; you'll then be assessed of your strengths and weaknesses to begin your journey to self-discovery and improvement. 2. During this economic crisis, you are pressured to bring the best out of your team, now more than ever. D.I.S.C. gives you the confidence to make the right team decisions in the office to bring your team to work as a well oiled engine. 3. Not only is D.I.S.C. a powerful office communicating tool; you can also implement what you've learned into improving your personal life with the people in your personal circle. 4. Michael Jordan didn't improve by working only on his strengths; Michael vastly improved by working on his weaknesses. Knowing your weaknesses through the D.I.S.C. technology will bring you to a championship working level, bringing out your best in your team. 5. By learning others' unique strengths and weaknesses, you'll become a valuable part of your team's growth, enhancing your leadership abilities. Workshop Overview DISC Team Building for Leaders & Managers is a training program that will assist every person on your team to work more positively and in an efficient manner on a daily basis. You will learn how to be aware of the different strengths and weaknesses of yourself and others. Knowing them will only strengthen your influence and greatly improve your team's ability to communicate with one another. With your DISC Licensed Trainer facilitating your workshop with interactive games and activities, you won't skip a beat on the best methods to team building and improving your office environment. Who Should Attend? Leaders, managers, supervisors, directors, executives, and teams who give importance to organizational development and completion of goals and deadlines. Featured Facilitator Eric Villarama is a licensed DISC Trainer, bringing with him over 8 years of training in Singapore to leaders, managers and students. Eric has the ability to engage, entertain and challenge anyone who's attended his workshops. Eric has also worked with clients Nokia Global, Philips Asia, Standard Chartered Bank, Temasek Holdings and Discovery Channel, just to name a few. Eric's encouraging and motivational style of training not only brings smiles and laughter to the workshop, but most importantly, gives the necessary tools and life tips for every unique individual. Training Investment MANAGING MISCOMMUNICATIONS Salt and Light Ventures - Managing Well Series March 31, 2009 DUSIT THANI MANILA FACILITATED BY ERIC VILLARAMA Early Bird Rate: P7,977+vat when you sign up before February 28, 2009 Best Buy Rate: P8,977+vat when you sign up before March 13, 2009 Regular Rate: P9,977+vat Inclusive of Participant's Guide, Individual IDs, AM & PM snacks and lunch 4 Easy Ways to Reserve! 1. Fill up the form below and Email us at slvguru@pldtdsl.net 2. Fax this form to 813-2745 or 886-4841 3. Call 8132732/03; 8302191 ask for Fina or Juliet, or send form together with your company check to Salt and Light Ventures, Inc., 4/F Majalco Bldg., 104 Benavidez St., Makati City. You may also deposit payment to Salt & Light Ventures, Inc. BPI Current Account # 3211-0837-85, Corinthian Plaza, Paseo de Roxas, Makati branch. Please remember to write the name(s) of the delegate(s) on the deposit slip. Produced and Organized by

MANAGING MISCOMMUNICATIONS Salt and Light Ventures - Managing Well Series March 31, 2009 DUSIT THANI MANILA FACILITATED BY ERIC VILLARAMA