Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.

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 LIFE SECURITYSECURITY

WELL TO DO

MIDDLE CLASS

COMMON PEOPLE

POOR / PAUPERS

ARE YOU HAVING MONEY PROBLEMS? Like lack of income or spending more than what you earn? Want to learn Budgeting,

Saving or Investing?

Income holds you to a particular standard of living, but when your when your INCOME STOPS, INCOME STOPS, your your needs continueneeds continue, , so so LIFESTYLE DROPS !LIFESTYLE DROPS !

RICH

SICKNESS BUSINESS LOSSES / LOSS OF JOB

PREMATURE DEATHDISABILITYOLD AGE

Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.

NO VACANCY

causes TEMPORARY LOSS OF INCOME

causes PERMANENT LOSS OF INCOME

?What if YOU were taken suddenly?

YOUR SAVINGS

DEPLETED

YOUR KIDS OUT OF SCHOOL

YOUR UNPROVIDED RETIREMENT

YOUR WIDOW FORCED

TO WORK & EARN A

LIVING

Copyright 2003 PREFERRED CONSUMER MARKETING, All rights reserved.

?

A LOWER STANDARD OF

LIVING

YOUR PROPERTIES SOLD AT

SACRIFICE PRICE FOR CASH $$$

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

ALL THESE - FOR AT LEAST DAILY SAVING WITHOUT ALL THESE - FOR AT LEAST DAILY SAVING WITHOUT DEFAULT $2.00 AND INVESTING $1.50 THROUGH THE DEFAULT $2.00 AND INVESTING $1.50 THROUGH THE

YEARS UNTIL ANY OF THESE CONTINGENCIES OCCUR.YEARS UNTIL ANY OF THESE CONTINGENCIES OCCUR.

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 “

WHAT IS FINANCIAL PLANNING?WHAT IS FINANCIAL PLANNING?Planning how to spend the money that

comes to youWHAT ARE THE BASIC PRINCIPLES TO FINANCIAL FREEDOM?

“FINANCIAL PLANNING isImportant when financial resources are limited”.

GIVINGGIVING RECEIVING MANAGINGMANAGING

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

( Deuteronomy 8:18 )( Deuteronomy 8:18 )TITHING – TITHING –

Malachi 3:10-11 Malachi 3:10-11SAVING – Proverbs 6:6-8

SPENDING –SPENDING –1 Timothy 5:81 Timothy 5:8

BUDGETINGTITHETITHESAVINGSSAVINGS

FIXED EXPENSESFIXED EXPENSES

SPENDABLE INCOMESPENDABLE INCOME

WHY DO YOU FAIL INSPITE YOUR WHY DO YOU FAIL INSPITE YOUR SINCERE DESIRE TO SAVE?SINCERE DESIRE TO SAVE?

Because you use the wrong method of wrong method of

savingsaving...“SPEND & SAVE” method

SPEND

FIRST and

save what is

left.

More often than not, LEAVES YOU

WITH NOTHING TO SAVE

Not only did YOU use the wrong method, YOU also used the WRONG SAVINGS WRONG SAVINGS

PLAN.PLAN.Most savings plans are

really “SAVE-SPEND-SAVE-“SAVE-SPEND-SAVE-SPEND”SPEND” plans.

Cooperatives

TemptationTemptation Ease of Ease of withdrawalwithdrawal

Loan Associations

Bank

SPEND ALL SAVINGS ON SPEND ALL SAVINGS ON TRADITIONAL CELEBRATIONSTRADITIONAL CELEBRATIONS

Mutual Funds

THE RIGHT METHOD OF SAVINGTHE RIGHT METHOD OF SAVING

SAVE FIRST and

spend what is left.

“SAVE & SPEND” method

Consider Consider the the WAY OF WAY OF THE ANTSTHE ANTS

Proverbs 6:6-8Proverbs 6:6-8

Save regularly Save regularly without default or without default or misappropriation misappropriation for specific needsfor specific needs

“Where there is no vision, the people perish”, that is why foresight is important.

Just like putting money in a piggy bank…

LIVE LONGLIVE LONG EXPIRE EXPIRE YOUNGYOUNG

Psalms 37:25Psalms 37:25 Ecclesiastes: 6:3Ecclesiastes: 6:3

WHAT IS FINANCIAL PLANNING? HOW IS FINANCIAL FREEDOM ACHIEVED?

YOU, age 30 earning $400.00 a month

1. Live within a budget.Basic Needs – Fixed Expenses: Tithes,

Shelter, education fees, etcVariable Expenses: Utilities, Food, Living

Allowances etc.

GOD’S WAYTithes: $40.00 Savings: $40.00House: $60.00 Food: $45.00 $45.00 $105.00Utilities: $30.00 Transpo: $75.00Spendable $5.00

$45.00 $45.00 monthly savings $8,750.00 Savings for Retirement

$15,000.00 Income Protection

$7,012.00 Profits Back Bonus

$8,750.00 Accidental Death BenefitIn case of Total and Permanent In case of Total and Permanent Disability, no need to save Disability, no need to save anymoreanymore

YOUR WAYTithes: $00.00 Savings: $00.00House: $60.00 Food: $150.00Utilities: $30.00 Transpo: $75.00Spendable $85.00

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

DO YOU WANT HELP? ...FREE Health & Financial Consulting FREE Health & Financial Consulting

Services: LUVIE at 9728100 or 7078100Services: LUVIE at 9728100 or 7078100

$1.50 DAILY INVESTMENT ON HEALTH

FOOD

10

Are you suffering from any of these health

problems?•Indigestion•Acid Reflux•Constipation•Skin Problems•Memory Problems

•Weight Gain•Low Energy•Joint Pain•Headaches•Heartburn

in the South Pacific Islands are brought about by WEIGHT –RELATED

PROBLEMSSTATISTICS even show that in at least 10 of the South Pacific Islands,

50 to 90% of the population are overweight

ALARMING FACTS as disclosed by

DR. TEMO WAQANIVALU, Technical Officer of the World Health

Organization

Are you Underweight / Overweight?

4 10 147.5 95 – 111 43 – 464 11 150 97 – 114 44 – 525 0 152.5 100 – 117 45.5 – 535 1 155 103 – 120 47 – 54.55 2 157.5 106 – 123 48 – 565 3 160 109 – 126 49.5 – 575 4 162.5 112 – 129 51 – 58.55 5 165 116 – 133 52.5 – 605 6 167.5 118 – 137 53.5 – 625 7 170 122 – 141 55 – 645 8 172.5 126 – 145 57 – 665 9 175 130 – 149 59 – 67.55 10 177.5 135 – 154 61 – 705 11 180 139 – 158 63 – 71.56 0 182.5 145 – 163 66 – 74

Male: ( Height-80 ) x 0.7 10%foot cm lbs. kg. U

NIVERSAL

BMI

CHART

5 2 157.5 116 – 133 52.5 – 605 3 160 119 – 136 54 – 61.55 4 162.5 122 – 140 55 – 63.55 5 165 125 – 143 57 – 655 6 167.5 128 – 147 58 – 675 7 170 132 – 151 59.5 –

68.55 8 172.5 136 – 156 61.5 –

70.55 9 175 140 – 160 63.5 –

72.55 10 177.5 145 – 164 66 – 745 11 180 149 – 169 67.5 –

76.56 0 182.5 153 –174 69 – 796 1 185 157 – 178 71 – 80.56 2 187.5 161 – 183 73 – 836 3 190 165 – 188 75 – 856 4 192.5 169 – 193 76.5 – 88

foot cm lbs. kg.Female: ( Height-70 ) x 0.6

10%

Being sickly or overweight puts you at greater risk of developing dreaded diseases such as:

High Blood PressureHigh Blood Pressure

Diabetes, CancerDiabetes, Cancer

Cardiovascular DiseasesCardiovascular DiseasesStrokeStroke

Major Organ FailureMajor Organ Failure

Damage to JointsDamage to Joints

Varicose VeinsVaricose VeinsArteriosclerosisArteriosclerosis

Being sickly or overweight puts you at greater risk of developing dreaded diseases such as:

REASON # 1: POLLUTION

FACTORS THAT AFFECT OUR HEALTH

REASON # 2: UNHEALTHY LIFESTYLE

HABITUAL EATER HABITUAL EATER OF PROCESSED OF PROCESSED

FOODSFOODS

REASON # 3 - DIET

CHAIN SMOKER CHAIN SMOKER & HARD & HARD

DRINKERDRINKER

MEAT MEAT LOVERSLOVERS

LOVER LOVER OF OF

SWEETSSWEETS

FOND OF FOND OF FATTY FATTY FOODSFOODS

1. 2.

3. 4.

HOW FOOD TRAVELS INSIDE OUR BODY

IF YOU EAT THREE TIMES A DAY, IF YOU EAT THREE TIMES A DAY, YOU SHOULD MOVE AT LEAST ONCE DAILYYOU SHOULD MOVE AT LEAST ONCE DAILY

Stomach – 3 hours Small Intestines – 4 hours

Large Intestines – 6 hours 12 to 24 hours - Rectum

SymptomPencil

thin stools

Caused by STRESS

MUCOID PLAQUEMUCOID PLAQUE

Research conducted Research conducted by Dr. Richard by Dr. Richard Anderson N.D. Anderson N.D.

N.M.D. N.M.D.

Caused by weight of fecal matter

Can cause problems like:Can cause problems like:• FemaleFemale InfectionsInfections• CystCyst• InfertilityInfertilityTO A WOMANTO A WOMAN•ProstateProstate• ReproductionReproduction• Low Sex DriveLow Sex DriveTO A MANTO A MAN

DID YOU KNOW?The colon can go The colon can go

up to up to 5X 5X its normal size.its normal size.

MEGA COLONMEGA COLON

If you think that’s just fat If you think that’s just fat in your bellyin your belly

Think again.

Effortless Odorless Well formed

Bowel movement should be:Bowel movement should be:

ColostomyColostomy

Stages of Colon CancerStages of Colon Cancer

FIVE ORGANS OF ELIMINATION

Headaches, Memory, Cholesterol & Joint

Problems & Low Energy

Heartburn, Acid-reflux, & Indigestion

Kidney Problems, Low Sex Drive & Hypertension

Asthma & Bad Breath Acne, Skin Problems & Boils

TO SUM UP, IT ALL TO SUM UP, IT ALL STARTED WITH WHAT WE STARTED WITH WHAT WE INGEST INTO OUR BODY, INGEST INTO OUR BODY,

be it food, cigarettes, be it food, cigarettes, alcohol, and more...alcohol, and more...

3 WAYS TO TAKE CARE OF YOUR HEALTH

• PREVENTIVEPREVENTIVE - Watch food, control your eating habits or regulate the food you eat in order to ensure that nutrients are absorbed down to cellular level, TO AVOID GETTING SICK

• CURATIVECURATIVE – At the slightest health concern go for a health check-up, TO GET WELL

• SPIRITUALSPIRITUAL – Speak God’s Creative Power for Healing, TO PREVENT SICKNESS OR EXPERIENCE SUPERNATURAL HEALING

PCM’S LIVING FOOD MEAL PLANFRUITS

AppleBananaCherryGrapefruitKiwiOrangeMango *PawpawPearPineapple *Plum StrawberryWatermelon *

VEGETABLESAsparagusBeetrootBroccoliCabbageCapsicum CarrotsCauliflowerCeleryCucumberEggplantGreen BeanLettuceOkra (Bhindi)OnionParsleySpinachTomato

(LOW GLYCEMIC INDEX)

STARCHES Barley Black Bean Kidney Bean Lentil Pea Mung Bean

OBEY WHAT GOD’S WORD SAY (Gal.6:5, 1Tim.5:8, Gal.6:2, 2Tim.2:2 & 2 Cor. 8:14)

SIMPLY EAT FRUITS & VEGETABLES EVERYDAYSIMPLY EAT FRUITS & VEGETABLES EVERYDAY& DO A - B – C& DO A - B – C

A- Apply fist-size meal in eating ; B- Breakfast should be the heaviest meal, lunch should A- Apply fist-size meal in eating ; B- Breakfast should be the heaviest meal, lunch should be any low glycemic index vegetables, and dinner should be any low glycemic index fruits.be any low glycemic index vegetables, and dinner should be any low glycemic index fruits.C-Consume these foods daily without default and YOU will SEE & FEEL THE DIFFERENCE.C-Consume these foods daily without default and YOU will SEE & FEEL THE DIFFERENCE.

Failure Failure to eat right to eat right

results to the need to use natural food

supplements.

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 ProductsC – 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. FRANCISCA LUZVIMINDA A. ADRICULA Bank of ADRICULA Bank of the South Pacific (BSP), the South Pacific (BSP),

Samabula Samabula Savings Savings Account No. 8422005Account No. 8422005

Call at 9728100 * 7078100 or Email: luvie.adricula.pcm4life@gmail.com

Contains plant phytofibers from fruits & vegetables. E

DMARK

NUTRACEUTICALS

SHAKEOFF $ 9.10 /sachet $ 9.10 /sachet for colon cleansing and

detoxificationBUBBLE C $ 2.35 /sachet $ 2.35 /sachet

for fast nutrient absorption

SPIRULINA $ 0.65 /tablet $ 0.65 /tablet for good nutrition

foundation

MRT $ 10.85 /sachet $ 10.85 /sachet for burning fat and

nourishing

BIO ELIXIR $ 15.35 /sachet $ 15.35 /sachet for natural release

of HGH resulting to anti-aging.RED YEAST $ 1.85 /sachet $ 1.85 /sachet removes bad cholesterol &

triglycerides naturally

SPLINA $ 100.00 / bottle $ 100.00 / bottle balances acidity &

alkalinity of the blood

GINSENG $ 1.85 /sachet $ 1.85 /sachet for increased

energy & mental alertness while normalizing blood

pressureCOCOLLAGEN $ 3.00 / $ 3.00 /

sachet sachet for the complete vitamins of your skin

PROMO PACKS FOR PCM MEMBERSPROMO PACKS FOR PCM MEMBERSCleanse/Protect, Nourish/Protect, Balance/Protect Cleanse/Protect, Nourish/Protect, Balance/Protect @ @ $25.00 monthly $25.00 monthly w/o default for a yearw/o default for a year

Alkaline-rich vegetable from blue-green algae

Low calorie balanced organic formulation.

Natural excellent soy protein & whey extracts with free form amino acids

Made of fermented red yeast rice & coffee beans

Made from natural oranges for vitamin C and fortrified with calcium

500 gms of Liquid Chlorophyll from Alfalfa & Mulberry leaves

Made from Ginsenoside with arabica coffee.

Chocolate flavored high grade marine collagen

PCM’S HEALTHY LIVING DIET PLAN

MEALS

BreakfastSnackLunchSnackDinner

DAY 4

Tropical BlissAmazing JuiceBucado Amazing JuiceGinger Zinger

PCM’S ONE WEEK TRIAL HEALTHY LIVING DIET PROGRAM

offers a

MONEY BACK GUARANTEEIf there is no loss in size, weight or

improvement in health condition within a week’s time.

DAY 5

PowerhouseAmazing JuiceVeggieVitalityAmazing JuiceJuice Relaxer

DAY 6

Tropical DelightAmazing JuiceCarple BlissAmazing JuiceVeggie Vitality

DAY 7

High EnergyAmazing JuicePowerhouseAmazing JuiceSprout Surprise

EXTENSIVE 3 DAYS DETOX EXTENSIVE 3 DAYS DETOX

A choice of natural fruit juice extract from fruits in season all day long:A.Watermelon JuiceB.Grapefruit JuiceC.Amazing Chorophyll Juice Shakeoff Phyto Fiber for Dinner

PCM’s Wonder Soup Meal – Onions, Tomato, Dhania, Cabbage, Spinach, Celery & Mung Bean Sprouts

ACCEPTTHAT MAN IS COMPOSED OF BODY,

SOUL AND SPIRIT, ALL THREE (3) MUST BE WELL TAKEN CARED OF.

TRUTHS

That GOD created the HUMAN BODY with a natural ability to heal itself through physical law or spiritual law, has given us financial principles

to live by & a bright future life to look up to.

Isaiah 53:5 &6 (healing), Job 33:14-30 (Cause of Sickness & Healing), Job 33:14-30 (Cause of Sickness & Healing), 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

Romans 3:10

“As it is written, There is none righteous; no not

one.”

If YOU die today, where do you think will your soul and spirit go?

ACCEPT BELIEVE That JESUSJESUS IS THE ONLY WAY TO HEAVEN for your soul

& spirit and a a RIGHT RIGHT RELATIONSHIP WITH GODRELATIONSHIP WITH GOD will allow you to claim His promises

of PROSPERITY & GOOD PROSPERITY & GOOD HEALTH HEALTH for your physical body

as promised in 3 John 2.

Do YOU know that you can secure where your soul

and spirit will spend eternity -

today?

“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 BELIEVECONFESS

CONFESS YOUR SINS TO GOD THROUGH CHRIST, ask forgiveness for the wellness of your soul and spirit.

Do you want freedom, from physical, financial, and spiritual bondages?

A - accept,

B - believe, C – confess.

NOW - redeeming the time at hand.

GOOD HEALTH IS YOURS ON A DAY TO DAY BASIS, YOU CAN NEVER TELL GOOD HEALTH IS YOURS ON A DAY TO DAY BASIS, YOU CAN NEVER TELL WHAT YOUR HEALTH CONDITION WILL BE TOMORROW. WHAT YOUR HEALTH CONDITION WILL BE TOMORROW.

and, YOU ONLY HAVE TODAY TO DECIDEand, YOU ONLY HAVE TODAY TO DECIDE

from GOD 3 John 23 John 2

FINANCIAL SECURITY IS NOT A MATTER OF CHANCE BUT OF CHOICE – FINANCIAL SECURITY IS NOT A MATTER OF CHANCE BUT OF CHOICE – TO PLAN AHEAD OF TIME, because yesterday is gone, tomorrow will never comeTO PLAN AHEAD OF TIME, because yesterday is gone, tomorrow will never come

from the lawof sin & death

HOW TO PRAYHOW TO PRAYDear LORD JESUS, Dear LORD JESUS,

I realized that I am a sinner and need your forgiveness. I believe that 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 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 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 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 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 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-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 ty, sickness and death. And with eternal life, I am on my way to claim your promise of prosperity and good health.your promise of prosperity and good health.

In Jesus name I pray, AMEN.In Jesus name I pray, AMEN.

________________________________ ________________________________ NAME & SIGNATURE NAME & SIGNATUREDATE:_____________DATE:_____________