ALL IN

ALL IN
LESSONS ON RESIGNING FROM YOUR
JOB AND JUMPING INTO A WILD AND
CRAZY ENTREPRENEURIAL LIFE
MARK RUIZ

ALL IN
LESSONS ON RESIGNING FROM YOUR
JOB AND JUMPING INTO A WILD AND
CRAZY ENTREPRENEURIAL LIFE 

MARK RUIZ

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FOREWORD TO PAYING-IT-FORWARD 

I really didn't know if I had it in me to be an entrepreneur.

My DNA didn't seem to say so. My father was a brilliant structural
engineer, while my mother was a bank executive who loyally stayed with
one company her entire career. Now, while both were absolutely
successful in their chosen ﬁelds, neither would really be considered
textbook entrepreneurial.

My schooling was also of a different breeding. I took up Management
Engineering in the Ateneo, which - translated into business-speak - really
means "climb-up-the-corporate-ladder". Not really the best pedigree for
the start-up world.

In fact, armed with this very degree, I sought the path more often traveled.
I applied and got into a fast-moving-consumer-goods company, where I
did fulﬁll my course's prophecy and work myself up, promotion after
promotion.

But make a go for an entrepreneurial life, I eventually did. Armed with
nothing but the belief that this was just something I had to try, had to do.
The itch, the desire, was just too strong.

And as I would eventually say, I had to go "All In" --- resign from the
corporate rat-race and try the wild and crazy life of an entrepreneur.

Now, three years later, I for the life of me can't imagine ever going back.

And while it often feels like my work-hours are now up to 24/7 from 9-to-5,
this is my chosen life's path, and i wouldn't trade it for anything else.

In fact, I feel so blessed with that decision that I can’t help but pay-it-
forward – thus, the motivation for creating and sharing document.

If you’re reading this and you’re mulling the decision to make the leap, I
hope his can help you gain more clarity. And if you do decide to make a
run for it, I’d be more than happy to see you on the other side.

Mark Ruiz
July 26, 2009

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1

resign for "
the right reasons
.
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1
RESIGN FOR THE RIGHT REASONS 
Don’t Leave Because You Hate Your Job. #
Leave Because You Know What You Love.

When I meet people who want to quit their jobs, I instinctively try to probe for the
deeper motivation.

Is it mainly because they're unhappy, burned out, and just can't wait to drop their
current work? If it's any of those things, then I wouldn't really advise the
entrepreneurial life as the wisest move. A discussion with the boss, or a change in
company might be a better prescription.

You should never leave at an emotionally low point in your career. In fact, never
make your resignation an emotional decision, period. Frustration, confusion, and
anger can muddle perspective, and it makes you vulnerable to mistakes. Instead,
make your resignation a well-discerned and thought-out decision.

The brutal fact of the matter is that the entrepreneurial life is not easy. It can be
romanticized as the anti-thesis of the corporate grind, yes. But the reality is that it
can also be emotionally wrenching. So if you can't handle the pressure of the
corporate world, moreso the dramatic roller-coaster of being your own boss.

I remember the ﬁrst time i tried to resign, it was because I was just so damn
unhappy. I literally took the ﬁrst offer that came my way. I was just looking for a way
out, and it didn't really matter where that door would lead to. My resolve wasn't
that strong, and so my boss at that time was able to talk me out of it.
---

So when does it make sense to do resign?

If you know that you really want something else, no matter what counter-offer your
boss will give you; When you make the decision from a position of strength, rather
than from weakness; If your desire to move on stems from a gut-feeling that you
want to pursue something bigger than your job, something bigger than you.

Ultimately, if the company would grant all your wishes - pay, position, et cetera ---
would you still push through and make the leap? If your answer is yes, then it's
probably time to go.

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2
know thyself

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2
KNOW THYSELF 
Who are you, really?
Entrepreneurship to a large extent is deep knowledge of oneself.

Your motivations. Your strengths and weaknesses. What makes you tick. These are
questions you'll have to get a clearer handle on. It's most especially important
because there's a stark contrast of working in a company and working on your
own.

In the corporate world, you're buffered by a big organization that knows where it's
going and has the resources to go there. The company's vision is a plaque on the
wall for all to follow. The guidelines and processes are set, the targets pretty much
down-pat. The departments are specialized, playing different roles in the grand
design of the organization. Unless you're the CEO, you're a cog in the machine
looking over just your portion of the kingdom.

But in the entrepreneurial world, you'll strip away all that company-think.

In your own business, the company vision is your vision. There's no HR department
to craft your values statement and figure out how to motivate you. In this sense,
you’ll have to be absolutely self-motivated. And that will stem from knowing who
you are, and knowing what you really want to do.

That's why it's critically important to know yourself on a deeper level; because that
knowledge will determine why and how you'll steer your ship.

Knowing yourself also means taking an objective look at your strengths and
weaknesses. You won’t have a big organization so you need to foresee the
potholes you’ll come across. When you start out, you just can't make a phone call
to your accounting department and ask for last month's financial report. Chances
are you are the accounting department.

Of course, you'll still endeavor to partner out and find people with the relevant skill-
sets. Get an accountant-friend. Hire a marketing person. Yes to this, definitely. But
knowing what and who to get will have to start from an intimate picture of self-
analysis.

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3
decide where "
you want to play

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3
DECIDE WHERE YOU WANT TO PLAY 
What do you want to build?
While you can probably choose which department to work for in a company, your
targets will most likely come from up on high (a.k.a. top management).

The overarching strategy, the general areas to compete in, and what the product/
service pipeline should look like -- all these will be a one-sided negotiation between
you and your boss.

But this is not the case when you start your own business. You yourself will choose
what business to get into, and then you yourself will decide what products to bring
into the world.

In most instances of transitioning, people choose to go into a tried-and-tested
business-in-a-box, a.k.a. applying for a franchise. This would most certainly
decrease your risk and steepen your learning curve, and is a path you can explore.

But unless your ultimate passion is exactly the franchise you're buying, then this is
not the kind of entrepreneurship that I'm a big fan of.

The kind of entrepreneurship I'm raving about is one that stems from a clear
knowledge of knowing where you want to play, knowing what business to get into.
Of going for the intersection of the world's big problems, your passions, and the
market.

It boils down to Miss Universe-type questions --- Where will you invest your life in?
What problems are you passionate about solving? What do you think your mission
on earth is?

Now, knowing your deepest passion and mission immediately might be a tall older.

So the practical advice I give is this : sample the buffet. By this, I suggest that you
try out as many things that pique your interest. Volunteer profusely for
organizations. Attend seminars and workshops. Getting an actual taste of this
variety will most likely lead you to where you passions lie.

Here’s the truth : if you are really passionate and determined to bring something
into the world, then nothing will stop you from making it happen. And it is this
passion that will increase your chances of success.

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4
ﬁnd "
partners-in-purpose

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4
FIND PARTNERS-IN-PURPOSE 
It takes a team to really tango.
The fact of the matter is that you can't really choose who you work with in the
corporate world. Even worse, you can't choose who your boss will be (although
he/she can probably choose you for his/her team). Choices like that just aren't a
luxury when you're working for a company.

But the good news is that entrepreneurs can (and should carefully) choose who to
work with. There's just that freedom to assemble according to how you see ﬁt. You
will chart your own organizational destiny.

But this freedom brings with it a certain nuance and direction. You should choose
partners-in-purpose. People who rally behind the same cause, are motivated by
the same passions, and who earnestly believe in what you are also trying to
achieve. These are people who will stick it out not only because they believe in you,
but also because they are married to the larger goals.

I've been extremely lucky. Too lucky in fact, to be working with absolute partners-
in-purpose.

Bam Aquino and I were friends and classmates since high school and we
synchronized our entrepreneurial leap, eventually working together on Hapinoy,
Rags2Riches, and the WhyNot?Forum. For Hapinoy, the founding board is a
combination of leaders from both social development and the business sector,
including Rapa and Jim Lopa, Dr. Aris Alip, Manny de Luna, Perry Villa, Franco
Sevilla, and Willie Uy. In Rags2Riches, Fr. Javy Alpasa, SJ of course was the nexus
point across the founders, including Reese Fernandez (my partner-in-life and R2R
President), Memey Mendoza, Ange Benavides, Maan Lim, Timi Gomez, TJ Agulto,
and the Nanays of Payatas. The WhyNot?Forum is an advocacy shared with
believers Jan Chavez-Arceo, Timi Gomez, Carlo Calimon, Angeli Ko, and Richard
Estuesta. And Inovent founder Brian Quebengco and I share the same dream of
building a global Filipino consumer tech brand, and it's absolutely amazing that he
has assembled an incredibly talented team of Inoventors Jonas Peralta, Peter Can,
Jaed del Moral, Nikko Torcita, and Victor Yu.

Your enterprises will rise and die with the people you're working with, and the
current vibrancy of the startups I’m a part of is proof positive that I'm working with
such awesome people.

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5
all in"
means ALL IN

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5
ALL IN MEANS ALL IN 
Forget the safety net.#
Force yourself to succeed.
While I've certainly heard of success stories of people who started their business
while they kept their day jobs, my staunch belief is that this is not the best way to
go about it.

You can't tiptoe yourself from the corporate world into entrepreneurship, and still
expect the enterprise to take off. It's just not going to happen.

Yes, you can start it on the side while having your 9-to-5, but until you or your
business partner take full rein and responsibility over the business and make it
YOUR full-time job, it will find itself hard-pressed to progress.

You have to fully commit yourself to being an entrepreneur. And in most cases, that
commitment means letting go of all safety nets.

Case in point : when I resigned, the company I used to work for had an option
called a "sabbatical leave". In essence, if things didn't work out with my
entrepreneurial move, I could easily come back at a future point-in-time -- at the
same work level, with all my previous years of service credited as I head towards
my retirement.

Thinking it over, I realized that it would have been detrimental to my determination.
And so I took it out as an option.

The knowledge that there is a back-up plan, that there is an "abort" button that
would bring you back to the safe haven of the corporate life will be absolutely
tempting. In fact, there were several times in the first year that I would have gladly
pushed that button and went back to safety.

But that's exactly the point. Because I didn't have that option, I had NO CHOICE
but to stick it out and push through. Even when things seemed to lead nowhere,
my business partners and I had to find new ways to move forward.

If you have no other choice but to make it work, trust me - you eventually will.

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mind the moolah

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MIND THE MOOLAH 
How long will you last? #
Balance passion with a pragmatic perspective.
While I talk about passion and dreams and purpose in going about THE transition,
my left-brain still tingles - spider-sense-like - with the need to also take some
practical steps.

For me, the most important thing to take inventory of is your financials. It's not only
business that needs cash flow; equally important is your own.

Take a cold, hard look at your personal excel sheet. How much savings do you
really have? What are your fixed monthly expenses? What are medium and long-
term commitments --- loans, payment schedules, etc? What are things that need
to be spent on in the near-term horizon?

Now, the hard part. Figure out what you can let go of. With no stable paycheck,
assume that you will have to adjust your lifestyle. Do you really need the gym
membership? Do you really need to travel as much? Learn the entrepreneurial
characteristic of frugality, especially in the early stages.

Compute for your Total Savings less Total Payables, which is really your Net
Savings.

Depending on the kind of business you'll be setting-up, you'll need to set aside
your capital requirements. (The computations and financing of that are an entirely
different discussion, but let's assume you can compute the whole lump-sum that
you'll need to set aside.)

Subtract this amount from your Net Savings -- and the number you'll end up with is
your personal consumption money. Look at that number. And then compute how
long you'll survive assuming you will make absolutely no money from your
business. This is your grace period, your breathing space money.

When I made my computations, I knew that I would last between 18 to 24 months
(of course with a reprogrammed, adjusted-down lifestyle). That really gave me
perspective, and at least a working timetable and deadline to transition into a
semblance of stability.

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7
learn to sell

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7
LEARN TO SELL 
Selling is the number one skill of entrepreneurs
When I was young, the penultimate image of the sales profession was the
Electrolux Man - the guy who's gonna "knock on your door" in a clean-pressed
shirt and necktie, trying to sell you an electrolux vacuum cleaner.

While it certainly seemed humorous then, a couple of decades later I've gained
renewed appreciation for the art of selling.

In the corporate world, we've been trained to sell one way or another. We have to
sell ourselves to get hired, we have to sell our ideas to our peers, we have to sell
our proposals to upper management.

But in the entrepreneurship world, selling takes on a whole new dimension.

For starters, the ability to sell your big idea will determine if you get things off the
ground or not. You'll need to convince partners, believers, cohorts to jump on-
board, to believe in you when you don't event have anything tangible yet; when all
you can do is paint a picture of the future.

And when the enterprise gets started, that's when real selling becomes a necessity.

Because the reality is that startups are all about cashﬂow. And you won't get
cashﬂow without the ability to sell, it's really just as simple as that.

And i'm not talking about selling concepts, but rather the real exchange of goods
and services for cold hard cash. It's actually at this point that you start to imbibe
the spirit of the electrolux man.

And once the enterprise escapes gravity and moves into growth, you'll realize that
you begin to sell at a new plateau.

You'll reach a stage that you just can't stop selling your company. Every chance
you get, you'll incessantly talk about your business.

You will become your enterprise's biggest fan, it's hardest-working salesman.

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8
fail. forward. fast.

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8
FAIL. FORWARD. FAST. 
Make peace with making mistakes

The corporate world places an absolute stigma on making mistakes.

It's the discussion fodder during the performance review with the boss, directly
linked to your chances of getting promoted.

Imagine this hypothetical conversation : you miss your target, your new ad
campaign flopped, or the production forecast you made is out of tolerance levels;
Boss to you : there's the door, you might want to explore working with another
company.

It's a stark contrast in the entrepreneurial world.

Mistakes are not only part of the game, they're necessary players.

After all, when you're traversing something new, chances are you have to figure out
a lot of things along the way. You definitely won't know all the answers, so a large
chunk of what you’ll be doing will be hard-nosed trial and error.

But here's the trick. You must - as soon as humanly possible - learn the art of
adapting.

Your business model might change. Your target customer might change. Your
selling tactics might change. Your product and service might change. Almost
everything -- save your vision -- will be up for grabs.

And how then will you tread these uncertain waters?

There's just no other way through but by making mistakes, picking yourself up, and
moving along. Either evolve your business or start anew.

What's most important is you continue to trudge along this path.

From personal experience, it's true -- for entrepreneurs, I can honestly say that the
quickest way from Point A to Point B is a crooked line.

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9
welcome to "
real world university

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WELCOME TO REAL WORLD UNIVERSITY 
Create your own curriculum
The training budget is one of the key investments companies make.

There’s a whole HR department ensuring that the organization is continuously
learning, that the proper skills and competencies are being developed, and that
individuals at all levels are being equipped with the right know-how.

But on the other side of the fence -- in the entrepreneurial start-up, there is no HR
department overseeing the learning. There's only you. And you will have to take
charge of your own education. This can be an exhilirating thing, your entrance into
what I call Real World University.

And RWU is not school as you know it. There is no set structure, no ﬁxed reading
list, no purely academic professors, no physical institution even.

Instead, you create your own curriculum. You build your own library of references.
You ﬁnd your own mentors/teachers. And you will learn more from application as
opposed to theory.

Building your own curriculum means learning from practical experience. Talking to
people. Going through the process. Trying it out. Registering your business, making
your own product, immersing yourself in your consumer's shoes.

Geek that I am, I of course voraciously gobbled up tons of books and online
resources. But I also put in my real world curriculum the following things :

1. Every month, talk to a subject matter expert.

2. Learn to sell, as in the Electrolux knock-on-your door kind.

3. Teach an elective part-time, thus forcing me to learn.

4. Travel to other countries.

5. Network like crazy.

Most of these things I eventually did, and so much more. And the learning became
crucial in my formation.

But it certainly hasn’t ended. I’ve expanded my curriculum as I grow along with my
enterprises.

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10

embrace
uncertainty

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10
EMBRACE UNCERTAINTY 
Can you deal with not knowing?
The goal of most corporations is to maximize profit and minimize risk.

This essentially means creating conditions that have as much certainty as
possible. Financial projections will be hit as forecasted. The market research has
iteratively refined the product to be a hit with consumers. The supply chain will
work according to the production plan. The salespeople will hit their numbers. The
competition will be kept at bay with pre-emptive activities. The employees'
workplans are all set, targets have been laid out, and if you do your job well you'll
most certainly be promoted.

Nice picture. But that is not the reality of what being an entrepreneur is, most
especially when you are starting out.

The truth is you don't really know. There's just so much uncertainty.

Will you really get your business started? Will your product work out the way you
planned it? Will your partners stick it out with you? Will you make money or not?
Will others have a similar idea and immediately kill yours? Will you make it?

Nobody really knows.

But if you're willing to deal with the unknown, to embrace it even, then you're on
your way to being an entrepreneur.

Once you've gained a stomach for risk, then you've taken the first step.

Things will not always be clear, but they will gradually be clearer. Problems won't be
solved overnight, but with enough determination they will be pruned.

There may never be an end-point to this uncertainty and if this is something you
can accept, then jump on over to the other side.

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ALL IN
01
RESIGN FOR THE RIGHT REASONS

02
KNOW THYSELF

03
DECIDE WHERE YOU WANT TO PLAY

04
FIND PARTNERS-IN-PURPOSE

05
ALL IN MEANS ALL IN

06
MIND THE MOOLAH

07
LEARN TO SELL

08
FAIL.FORWARD.FAST.

09
WELCOME TO REAL WORLD UNIVERSITY

10
EMBRACE UNCERTAINTY

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ALL IN!#
MY RESIGNATION EMAIL/BLOG POST | MAY 27 2006 #
So I finally did it. I finally resigned.#

I’m about to leave the safe confines of the corporate world and venture into the
great unknown. Let go of my stable paycheck and turn my back on a career that’s
as tempting as tempting can be.#

There’s been a lot of talk and speculation about my resigning, so I guess I owe it to
everyone to set the record straight. What really happened, what’s going on, what
I’m really up to.#

In Hold ‘em Poker, if you want to win big, at some point you’ll have to bet big. If
you have absolute certainty in your hand, and your gut just tells you that this pot is
yours to take, you go all in – bet the farm, plunk in all your chips, no regrets - win or
lose. I’m there. I’m at that point where I can finally say “All In!”#

You see, I’m part of this community called Life’s Directions. And, as the name
implies, it’s all about people finding out what they to do with their lives, and then
hopefully going ahead and doing it. If I truly wanted to “eat our own dog food”, i.e.
walk the talk --- then I have no choice but to follow what I’ve discerned as my own
Life’s Direction.#

And when you come to the realization that what you’re doing now isn’t going to
take you where you want to go, then it’s time to change the course as soon as
possible. Which in my case, means resigning from the corporate life.#

When I turned 27 last September 2004 I remember writing “What to do with this
gift called life? It’s a question 1. Few ever ask, 2. Fewer can honestly answer, and
3. Even fewer still who can truthfully say that they actually got up and did
something about it. I’d like to believe I belong to the second group. But I’m trying
as damn hard as I can to fall into the third.”#

Fast-forward one-and-a-half years later, I’m finally jumping onto the third category.

All in.

---#

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If you believe in something so strongly it practically resonates with your gut, you
owe it to yourself to go for it. Jeff Bezos, founder of Amazon.com, calls this his
“regret-minimization framework”. Armed with nothing less than an idea and the
colossal opportunity which was the Internet, he left his job and went for it. He
founded Amazon.#

Now, I’m not out to start a multi-billion-dollar company; But like him, I’m just out to
pursue my dreams.

“All men dream, but not equally. Those who dream by night in the dust recesses of their minds wake in
the day to find that it was vanity; But the dreamers of the day are dangerous men, for they may act their
dream with open eyes, to make it possible.” - T.E. Lawrence!

I’ve realized that my long-term vision is to help in my own small way to serve our
country. This is something that I have been actually doing self-study into these past
few months. What became a topic of interest has become a passion. It has
crystallized in me that the best way for me to contribute to the country is by directly
creating jobs, as an entrepreneur.#

As such, I’ve decided that for the decades of my life to come, I will be focusing on
three areas that I feel will have whatever small ripple I wish to make :#

1. Export services / outsourcing – in my simple understanding, if we just rely on
businesses that make money circulate within the country, then our country will not
develop as fast as it needs to. Thus, I dream of serving foreign markets.#

2. Education – there is really a strong need to build skills of Filipino people in order
to prepare them more and more for a globalized world. But there should also be
more and more a movement to higher-value skills. If one looks at the spectrum of
skills now, we’re providing the brunt, low-value work. We can definitely be more
world-class. In the future, I dream of having my own school.#

3. Empowerment of the poor – our country still has one of the highest incidences of
poverty. From a business point-of-view, they’re a huge market, the so-called
“bottom-of-the-pyramid”. From a human being’s point-of-view, we just have to
help. Areas in the future I want to enter here are related to microfinancing and skills-
building.#

In a line, I just want to build skills for Filipinos in order for them to compete in a
globalized world. Put simply, my burning platform is to create jobs.#

Now, this is something I’m not going to achieve overnight, maybe not even in the
next several years, if ever at all. The more I know, the more I realize how much I
don’t know. But the good thing is that this cause will probably keep me
preoccupied for years and years to come. It’s a whole life’s work.

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Now, I believe in thinking big, but starting small. Baby steps towards a grand vision.
So in the next few months, I’ll just be focusing on three things : 1. Setting up a
small business aligned to #1 and #2, 2. Volunteer Work, and 3. Self-education/self-
training.#

On # 3, you see, part of being in Life’s Directions is also a sense of self-awareness
through discernment. Strengths and weaknesses, the whole shebang. I’ve looked
at stuff I’m not good at, stuff I still need to learn, and these are the things I’ve put
on my tasklist.#

Some stuff that’s there :#

- Discover and get guidance from mentors#
- Learn to sell, as in the Electrolux knock-on-your door variety. Be a part-time sales
agent.#
- Teach an elective part-time#
- Travel to other countries#
- Network like crazy

---#

But lest you think that passion is all it takes to go for it, I caution thee my friend.
This is something I’ve studied and prepared for with absolute detail. Passion gets
you to leap, but it’s careful and dutiful planning which will give you the confidence
to enter into execution phase.#

I definitely don’t have a romanticized notion of what I’m about to embark on. No
dreams that it will be an easy life, nor safe from any failures of any sort. In fact,
years down the line this could very well be the stupidest decision I ever made. But I
believe in it strongly enough that maybe looking stupid will be well worth it. As I
said in my resignation letter, it’s a cause worth going hungry for.#

Let’s revisit the practicalities. I’ve analyzed my financial position and computed my
budget for the next two years. With a much recalibrated lifestyle, I’ll probably make
do assuming I don’t make any money (talk about worst-case scenario). I’m working
with people who I believe are very good partners and essentially want the same
thing. I’ve psychologically prepared myself to fail and learn, fail and learn, until I get
it right. I’m still relatively young and I’m not feeding anyone. I can still afford to make
mistakes.#

This hand feels good, and if I lose, I can still play a few more rounds.

Why not?

Mark Ruiz#
May 27 2006

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photo credits

http://www.flickr.com/photos/insightimaging/3583608663/

http://www.flickr.com/photos/tmartin/32010732/sizes/o/

http://www.flickr.com/photos/islandfreedom/2728679996/

http://www.sxc.hu/photo/325650/

http://www.flickr.com/photos/roby72/2401722298/

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life’s work

Co-Founder & Managing Director"
MicroVentures / Hapinoy (www.hapinoy.com)"
a social business enterprise empowering microentrepreneurs

Founding Partner & Vice-Chairman"
Rags2Riches (www.rags2riches.ph)
a social business enterprise empowering communities through upcycling

Director and Chief Marketing Inoventor
InoventDesign (www.inoventdesign.com)
a research, design, and development ﬁrm

Founder
The Why Not? Forum (www.whynotforum.com)"
an online movement on inspiring ﬁlipino ingenuity

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