You have to have a dream, whether big or small. Then plan, focus, work hard and be very determined to achieve your goals.

There is no such thing as overnight success or easy money. If you fail, do not be discouraged; try again. When you do well, do not change your ways. Success is not just good luck: it is a combination of hard work, good credit standing, opportunity, readiness and timing. Success will not last if you do not take care of it.

I have always believed that if we do well, we must also do something to help others in society.

You have to have a dream, whether big or small. Then plan, focus, work hard and be very determined to achieve your goals.

SM Seaside City Cebu: soon to be the Philippines' Largest Mall and the 4th Largest in the World

I started with shoes, and with hard work and discipline, the business prospered. I moved to the department store business and again, things went well.

My basic strategy is to stick to my core business, and to my area of expertise. My businesses are all related - retail, shopping centers, banking, real estate and tourism development. Together they create synergy.