Wealth Is Your Birthright: Talk to God About It!

By Ricardo Avelino

For your Heavenly Father knows that you need all these things. But seek first the Kingdom of God and His righteousness and all these things shall be added to you (Matthew 6:32b33).
Are you looking for an avenue where you can put your money safe with growth, tax advantage, and protection? Do you dream of a cash retirement for yourself that is tax-free? Would you like to leave a tax-free inheritance to your family when you are no longer around? If the answer is a big yes, then this book is for you!
Likewise, this book shows how giving, saving, and investing before spending is a blessed strategy toward wealth accumulation whether it is through man at work or money at work.
When God created man in his image, he gave us tangible assets with a command and a blessing: Be fruitful and increase in number; fill the earth and subdue it. Have dominion over . . . (Genesis 1:2728). When we work, we are exercising our birthright, our dominion. For if we dont work, neither should we eat (2 Thessalonians 3:10).

• Language: English
• Publisher: AuthorHouse
• Release date: Jan 5, 2015
• ISBN: 9781496959744

Ricardo Avelino

Ricardo “Ric” V. Avelino is a lifetime student of the Word of God, founding pastor of Antioch Church in Dagupan City, Philippines, and Roadmap Fellowship International in Union City California. He serves as a volunteer to the seniors and needy people of the tri-cities of Fremont, Newark, and Union City and of the Alameda County, California, as a senior peer counselor and community ambassador under the secular leadership of Liz Cox and Asha Chandra, respectively, of the Fremont Resource Center. Before his calling as a pastor, Ric was a financial services branch head for almost two decades, building people and preaching biblical financial planning and management. He also served as a pharmaceutical medical representative for a decade for three different companies; a syndicated columnist for provincial newspapers, e.g., Business Week Mindanao, La Union’s The Star and Sunday Report in Dagupan City; and a publisher of local newspapers Northern COURIER for eleven years and two magazines, Revelation and Life En Soul (LENS) for two years in the Philippines. He is the brain and co-founder of the eleven-year-old Genesis School of Happy Kids Advanced Studies. Part of his ministry, Ricardo V. Avelino is a system builder with the world financial group based in California with associates in the different states of America under the coaching of Xuan Nguyen through Julius Reyes and Arnie Acosta of the Royal Team. Ric also coaches his bachelor sons and daughter in the management of the branch of Manulife Philippines based in Dagupan City province of Pangasinan with associates of Unit Managers and Financial Advisors around the country, Philippines. He travels as a missionary pastor licensed and ordained by Kingsway Fellowship International. Socially, he is a member of the Islands City Toastmasters Club of Alameda CA Area A22 District 57, Filipino Church Planters Network (CPN) in the Bay Area led by Pastor Romy Soy, Historical Museum in Union City founded by Filipino American Myrla Raymundo, and also a member of East Oakland Seniors Center. Ricardo is also the president of the twenty-seven-year-old Filipino American Society Inc. (FASI) of North California, Charter President of LUAP (Dagupan-Pangasinan Chapter), Past Lt. Governor, Division 1, Philippines Luzon District of Kiwanis International. FB Timeline: Ricardo V. Avelino Email: [e-mail] Bonus Chapter Inside: Science Proves Mary Has No Blood in Christ Jesus!

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© 2015 RICARDO AVELINO. All rights reserved.

No part of this book may be reproduced, stored in a retrieval system, or transmitted by any means without the written permission of the author.

Published by AuthorHouse 12/16/2014

ISBN: 978-1-4969-4562-4 (sc)

ISBN: 978-1-4969-5974-4 (e)

Library of Congress Control Number: 2014922356

Any people depicted in stock imagery provided by Thinkstock are models,

and such images are being used for illustrative purposes only.

Certain stock imagery © Thinkstock.

Because of the dynamic nature of the Internet, any web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.

Scripture quotations marked NIV are taken from the Holy Bible, New International Version®. NIV®. Copyright © 1973, 1978, 1984 by International Bible Society. Used by permission of Zondervan. All rights reserved. [Biblica]

Scripture quotations marked KJV are from the Holy Bible, King James Version (Authorized Version). First published in 1611. Quoted from the KJV Classic Reference Bible, Copyright © 1983 by The Zondervan Corporation.

CONTENTS

Dedication

Bank Of The West

Foreword : Bishop Windsor G. Cabrera, Gospel of Christ Fellowship International

Acknowledgement

Prologue

Endorsements

Chapter 1 Start The Day Spending, End The Night Broke

Chapter 2 The True Wealth

Chapter 3 Wealth & Riches

Chapter 4 Wealth Vs Poverty: A Spiritual Battle

Chapter 5 Financial Planning & Stewardship The God’s Way

Chapter 6 The Challenge Of Giving

Chapter 7 The Power Of Saving-The Profit Of Investing

Baby Boomers

Buy & Hold No Longer Holds?

Retirement & Inheritance Can Be Tax-Free Did You Know That?

Walt Disney et al, Dream Come True Because of…Life Insurance

Million Dollar Round Table (MDRT)

The Business Side

Chapter 8 How Much Is Enough, And When?

Chapter 9 Have Fun: Pay Yourself Spending

Chapter 10 Rest

Filipino American Society Inc Of North California

Bonus Chapter

The First Surrogate Motherhood

Genesis School of Happy Kids Advanced Studies

Antioch Church RoadMap Fellowship International, Inc.

1100 AM KFAX Radio, San Francisco CA USA

Gospel of Christ Fellowship International

Where Your Money Is:

Is Your Game Plan in Financial Stewardship the God’s Way?

DEDICATION

I Lovingly Dedicate This First Book to Our Lord & Savior Christ Jesus Who Made me a Builder of Men Thru His Word

To My Children:

May Ria & husband Brian with Their Kids Keiko and Kai

Rix & wife Wella with son Carlouie

Doris Ria and her kids, Dorothy, and Red.

Bachelor sons as of Year 2015: Janrico 31 y/o and Ricky 28 y/o.

To my wife, Mary who did the meticulous editing with Jenny Abella assisting/contributing

To the friends who commented to my book writing announcement on Facebook

Namely: Pastor Jerry Oliveros, Alma Soliman, Pastor Racquel Tel-e Jovellanos,

Mira Malkani, Al Salamanca Jacky Pua, Veron Peralta Ubando, Rebecca Mercado, Aida Dacuycuy Batoon, Lorna Hermogeno, Marsha Deniega-Garcia and to the 42 others who LIKED.

Did you know that this book was almost aborted?

Thanks, your clicks and comments on FB became encouragement and a challenge.

So, here it is!

And I Dedicate this first book to all who believe and should believe in Financial Planning and Stewardship according to God’s will, guidelines and principles.

BANK OF THE WEST

John Mortezaie

Financial Services Consultant

[e-mail]

NMLS #682617

FOREWORD

For the past few years after my joining the World Financial Group with the World System Builder as a part-timer I waited for the opportunity to be talked to by the company and be advised that it will be my last day of working with Motorola. However, it never came as I see my other colleagues one after the other bidding goodbye.

Thirteen years of working with Motorola was wonderful. However, I dreamed of a business that I can pass on to my children of two daughters and a son. I know I cannot leave to my heirs my being an engineer but I have found a business that I can give to them as inheritance, the financial services business. Thanks to God for even while they are students they are now in the business with my wife even as she remains a government nurse. My sisters and brother in law joined me in the success also.

February 2013, I filed my resignation from my work and since then my WFG team grew up in quantity and quality from Marketing Director to Senior Marketing Director and Green Jacket and by the end of 2014 everybody expects me to be a CEO of my own distribution company with WFG as Financial Services provider.

Truly, there is a product out there such as Index Universal Life and Global Index Universal Life that even when the market is down it gives the earning of 1% and when up it gives up to 17%. Your money will grow, is safe, with tax advantage and with protection. Talk to Pastor Ric about it and be amazed.

Likewise, Pastor Ric can go on as a pastor and while him earning his being a pastor is not hampered and disturbed. It is your business but you are not by yourself.

Pastor Ric who always insists of putting God first in the business has blessed and continued to bless the Royal Team with his prayers. This book Wealth Is Your Birthright. Talk to God About It will be a good reminder that with God nothing is impossible and that the root of all evil is the love of money not money itself.

We may already be in love of money when we gradually have lesser time to be with God. I am endorsing this book to everybody and to my WFG Royal Team!

Engr. Julius & Renita Reyes, CEO Royal Team World Financial Group USA

FOREWORD

Having known Pastor Ric Avelino for number of years, and having been privileged to have him in the same church many years ago and the same company too [he was actually my boss], I know of his great philosophies in life, especially in terms of money. Today, as he pour out what is in his Preacher-Shepherd’s heart, I believe we will have a fresh look on the concept of wealth in the light of the Scripture and according to our rights as sons of the Living God, the Great Jehovah Jireh. As one of his long time friend, I wholeheartedly endorse his book, WEALTH IS YOUR BIRTHRIGHT, Talk to God About It!. I firmly believe that as you meditate on the content and the intent of the book, and apply the Biblical principles clearly written in it, you will not only see how big our God is, but also appreciate Him and praise Him more. May the Lord bless your heart as you read the book.

Bishop Windsor G. Cabrera, Head Pastor, Gospel of Christ Fellowship Inc. & School Director, Maranatha Bible College and Graduate School, Dagupan City

Gospel of Christ Fellowship Churches in the Philippines, United Kingdom and Hongkong: Dagupan City, San Carlos City, Sta. Barbara, Binalonan, Baguio City, Pasig City, Malabago, Calasiao, Talibaew, Calasiao, Bued, Calasiao, San Fabian, Binmaley, Angeles City, Manila, Quezon City, Masbate, Matic-Matic, Sta. Barbara, Mapandan, London [U.K.], Central Hong Kong [H.K.]

GCFI Address

3rd Floor Ricafort Bldg., Galvan St., Dagupan City 2400 Philippines

Tel. No. 63 75 523-1243

website: www.gcfdagupan.org.

ACKNOWLEDGEMENT

My Acknowledgement to pastor’s dad Gerry Robert and Patrick Kelley authors of the Millionaire Mindset and of the Retirement Miracle respectively for their books has inspired me more to venture in book writing.

Same acknowledgement goes to Book Authors Bertram Lim and Larry Burkett of Practical Discipleship and How to Manage Your Money respectively.

Special acknowledgement as well goes to those who in one way or another for the past two decades gave me the experience learning in the field as my client or colleague that developed me as a presenter, trainee, trainer and coach in the world of financial services.

Not to be forgotten in acknowledgement are Evelyn Torio, and Deceased Annie Martin who in succession enliven the passion in me towards financial services. Likewise, to Willy Diaz who was offered but gave the way for me to handle the leadership of a branch through Vic Quisumbing as a start, Ed Agbayani who came from Manila looking for me to offer and with the newly hired Japanese EVP then who came to celebrate his birthday with me and my team to win me back. Especially, to Lorenzo Chan as owner president of a company who personally came to Dagupan to give me the opportunity of becoming better than when I started, thereby, developing me to a builder of winners in the financial services. Thank you, honorable sirs.

In California USA, Pastor Jerry Oliveros who brought me to Accountant Grace Acosta who invited me, Medical Technologist Arnelio Acosta for fetching me from my