Monday, March 18, 2013

STOCK MARKET: Saved by the Stock Alert

We are a religious follower of the STOCK ALERTs* that Bro. Bo is sending to all the TrulyRichClub Members. But when I read one research done by COL's Analyst on BDO, I got interested and added it in our portfolio. We've been buying BDO since last year but I stopped for some time. This is after I had a little discussion with Mr. Edward Lee of COL Financial last October during the TrulyRichClub Superconference. I stopped buying BDO stock but I didn't sell.

For the past few months, the stock market is going up. It had hit ALL-TIME Record Highs. Last month Bro. Bo sent an Stock Alert on adding DNL in our portfolio. The expected gain is quite high and I was thinking of selling our BDO shares to take advantage of this gain. Besides, BDO is not part of our SAM list.

However, there was a slight correction last week in the stock market and I forgot about selling. Then this morning, we received an Stock Alert from Bro. Bo. We are now adding BDO in our SAM list. Whooo. Saved by the Stock Alert! There is still a lot of room to grow on this stock. Nothing just happen. :)

By the way, the StockAlert is one of the Perks that a person gets in being a member of the TrulyRichClub. The StockUpdates are emailed twice a month while StockAlerts are emailed depending on the need. This serves as a guide for TrulyRichClub members who are invested in the Stock Market using the SAM strategy. To know more of the SAM strategy, you can read the Book of Bro. Bo entitled "The Turtle Always Win". A review of this book can also be found on this link.

Start your Stock Market Investing Journey NOW and Create your Millions in the Stock Market. Stop delaying.  Be a TrulyRichClub member and be an Educated Stock Market Investor, click here now.

* Stock Alert - An email sent to TrulyRichClub Members alerting them for a BUY, SELL and HOLD advise.

STOCK MARKET: Don't Interrupt the Compounding

One of the benefits of being a TrulyRichClub Member is we got to receive a Bi-monthly Stock Update from Bro. Bo Sanchez and Mike Viñas.

I would just like to share some parts of the Stock Update with you.

If You Withdraw P50,000 Today, You’re Withdrawing P1 Million Tomorrow.

Oh, I know it’s tempting.
When the stock market is growing sweetly (like now), it’s sooooo tempting to withdraw “just a little bit” for 
that new ladies’ watch. Or a Hong Kong vacation. Or a birthday party in Boracay.

As much as possible, DON’T.
If you withdraw, you’re interrupting your compounding—the greatest mathematical force in the universe.
Let me give you an example…
Johnny saw that in a span of 18 months, his stock market fund has already grown from P100,000 to P150,000. 
He’s ecstatic. He’s thanking God. He’s inviting friends to join him at the TrulyRich Club. (Very good!) He’s 

dancing the gangnam dance.

But then one day, while walking in a mall, Johnny sees this really nice “spaceship-looking” gizmo that 
functions as a cellphone/coffeemaker/vacuum cleaner all rolled into one. It can make phone calls. It can make 

coffee. It can clean your house. It’s astounding. (Okay, I’m exaggerating. But I’m simply saying that there’ll be 
temptations out there that are very real.)

The price? P50,000.
Definitely not in Johnny’s budget. Unless…
He thinks of his stock market investments.
He’s got the money.
He decides to go for it!
He withdraws P50,000 from his stocks and buys the gizmo. He can now talk to his girlfriend and make 
coffee and suck dust from the living room’s carpet.

Question: Did he really withdraw P50,000 only?
In 20 years, if his stock market investments grew by 16 percent a year, his total money would be LESSER 
by P1 Million.

Why? Because he interrupted the compounding.
I’m not kidding. Compute it yourself.
I urge you: Avoid withdrawing from your stock market investments.
If you feel tempted, just remind yourself: “When I withdraw P50,000 today, I’m actually withdrawing P1 
Million tomorrow.”

May your dreams come true,
Bo Sanchez

This is just the 1st part of the stock update. The second part is an update from Mike. The title of his article is "Stock Market Success Does Not Require Market Timing". He said that it is possible to make good money in the market without having to consider timing by following the Four (4) Strategies below:

1. Use Long Term Money - Invest only the money that you will not need in the near future.
2. Buy Regularly at Buy Below Price - Buy every month or every quarter but ensure that it is at our Buy Below Price.
3. Use Peso Cost Averagingbuying shares with a fixed amount of money on a regular basis (as mentioned in # 2). The advantage to this strategy is that it makes investing more affordable and it takes emotions out of investing.
4. Add Some Stocks with High Dividend Yield - Choose stocks whose earnings are not expected to drop and have capital appreciation potential. In our case it is MER. It's dividend yield of 3%.

Mike also discussed more news and details on MER and DNL to explain why these stocks were chosen to be in our SAM list.

Aside from the 2 articles of Bro. Bo and Mike, they are also sending an updated list of our SAM table for the BUY Below Price, TARGET Price and Action to TAKE in case there are changes.

By the way, the STOCK Market today is so exciting. It is having a slight correction. As investors, we like it when stocks go down so that we can all buy at cheaper price. But no one knows the market and to be safe, better to START NOW and follow the 4 strategies given by Mike or better yet be more educated and get REAL-TIME Stock Alerts from Bro. Bo by joining the TrulyRichClub.

~ May our dreams come true.
Cheers to PSEi being at 10,000 soon! :)

Wednesday, March 13, 2013

STOCK MARKET : You Think The Stock Market Has Gone Up A Lot?

This is an excerpt from the Soulfood Newsletter I received last week. This is an invitation from Bro. Bo Sanchez.

You Think The Stock Market Has Gone Up A Lot?

So many people are talking about the Stock Market today!

Because it has gone up like crazy.

And my TrulyRichClub members are dancing the boogie, singing hallelujah, and hugging everyone they meet on the street.  They’re so happy.  They’re thanking God for the day they joined the TrulyRichClub last year, or two years ago, or three years ago…  Because they learned how to invest in the Stock Market, and their money has been multiplying like crazy too.
Sadly, I’ve talked to HUNDREDS of people who told me, “Bo, I wish I joined you last year and learned how to invest in Stocks.  But I became busy.  Shucks, did I miss the boat already?”
Hey, It’s NOT too late.

What happens if you join TrulyRichClub
Aside from getting a truckload of the best material from me on how you can gain an abundance spirituality and financial mindset, you also get my personal GUIDANCE on how to create your millions by investing in the Stock Market.

Do you think the Stock Market went too high already? 

Our prediction: This rocket ship will still fly higher because there’s still a lot of rocket fuel to burn.  And even if it rests a bit and takes a pit stop in some refueling station in space (and I really want it to rest so I can invest more at cheaper prices), in the long term, nothing beats the Stock Market in giving you the best returns.
If you’re not yet investing in the Stock Market, you’re missing out on the great bull market of the Philippines.  Amazingly, the Philippine Stock Market has been the best performing Stock Market in the world.

Come ride this rocketship.  It will continue to ride to the sky. 
With or with you.

To join the TrulyRichClub, click here now. 
May your dreams come true,

Bo Sanchez
PS.  Stop delaying.  To create your millions in the Stock Market, click here now. 

We've been a member of the TrulyRichClub since February of 2010 and all I can say is that everything was all worth it. It is true that how we wished that we had started earlier but it was never too late because the best time to start is always "NOW". We still have a long way to go. Only less than 1%  of our population is invested in the Stock Market. And everyone seems to recognize the opportunity. Come. Ride with us now. Don't just be an Audience. Be a Passenger or rather be the Driver of your Great Future. :)


The Feast Talk Series last Month was entitled: HAPPY, HEALTHY and HOLY Money. It is a timely talk because we're still at the first quarter of the year. It can help us get a direction on how we want our finances to be at the end of the year.

We've been a feast attendee since February 2010 and we noticed that we have almost the same theme every February which is about handling our finances well. Below are the talk series for the last few years:

2010 - Prosper
2011- Peso-nality
2012 - Overflow
2013 - Happy Healthy Holy Money

You can view some of my blog posts on the OVERFLOW SERIES on the links below:
a. Talk# 1: Salary vs. Profit
b. Talk# 2: Income vs. Wealth
c. Talk# 3: Tips vs. Tithes
d. Bonus Talk on Entreprenuership
e. Break Feast Sharing by Edward Lee

Let me just share to you some of the things I learned from the recent Talk Series.

Talk# 1: Happy Money

"Every good and perfect gift is from God. It comes down from the Father." ~James 1:17

Our money is a gift from God. If this is a gift from God, then it can be a good thing. Money is not evil but it is the LOVE of MONEY that is evil.

"Let the LORD be magnified, who has pleasure in the prosperity of His servant." ~ Psalms 35:27

God doesn't mind us becoming rich. Actually, he wants us to be rich in a condition that we are are already RICH in the INSIDE before we become RICH in the OUTSIDE. This is because money can MAGNIFY who we are in the INSIDE.

Bro. Bo also mentioned the Three (3) Types of Rich People.

1. Filthy Rich
 - This is the greedy, selfish, corrupt person.
 - They are the miserable people.
 - They are the reason why others say that "Money can't buy you happiness.

2. Guilty Rich
 - This is a person who had a toxic relationship with money.
 - They are the people who feel guilty of earning a lot. They are more comfortable with poverty than prosperity.
 - These are the people guilty of being rich because of their past experiences or family influence.
 - They were taught that talking and thinking about money is bad. And all rich people are bad.

3. Truly Rich
 - These are the people who believe that "God never designed money to buy happiness.  God designed money to increase HELPFULNESS."
 - Truly Rich People Help Their Family
 - Truly Rich People Help Their Bigger Family
 - Belief of the Truly Rich People:  "It’s not about the money.  It’s not about the wealth.  It’s not even about us!  It’s about God.  It’s about love.  It’s about service.  It’s about dying to ourselves so that others may live!"

Let us all be TRULY RICH.:)

Talk#2: Healthy Money

"Therefore keep the words of this covenant, and do them, that you may prosper in all that you do." ~ Deuteronomy 29:9

True prosperity is living a life of profound LOVE for every human being.   
Physical Health is similar to Financial Health in terms of the cause of its weakening which are:
   1. Toxins
   2. Malnutrition
   3. Imbalance

Financial Toxins
- Financial Toxic Overload / Toxic Debt
  * Uncontrolled Debt can kill us.
  * If there are Filthy Rich, there are also Filthy Poor who are destroyed by the money they don't possess. Because of their overwhelming desire for material things, they borrow, borrow, and borrow.
  * The key is PATIENCE.  Don’t be in a hurry to live a lifestyle that you can’t afford.
  * THE problem isn't materialism. THE problem is an extreme lack of self-worth.
  * Follow the 1st Rule of the Rich - "What You Spend Should Be Less Then What You Earn.”
- People who look rich because they have money in the bank but are dying because their money are shrinking. 
* Follow the 2nd Rule of the Rich - “What You Save Should Grow More Than What You Lose.”
- Our Money loses value in the bank because of Inflation. Therefore, we should invest our money in any of these Investment Vehicles: (1) Paper Assets, (2) Businesses and (3) Real Estate.
- An example of Paper Asset is the Stock Market. If you want to learn more about investing in the Stock Market, try reading the books of Bro. Bo Sanchez (My Maid Invest in the Stock Market and The Turtle always Win) or Join the Truly Rich Club.

* Follow the 3rd Rule of the Rich - "“What You Earn Should Be Equal To What You Know.”
- Do NOT try to earn more than what you know! Confidence is a terrific thing.  Overconfidence is a terrible thing.
- Lower our risk by increasing our learning or increasing our wisdom.
- We need to invest in our Financial Education. (If we think Financial Education is expensive, try IGNORANCE).

Talk# 3: Holy Money

Can Money be Sacred? What does Holy means? Many thought that Holy = Religious. But Bro. Bo said that the Greek word for Holy is Hagios which literally means "set apart for God". We already know that God is Love. Therefore, to set apart for God also means to set apart for LOVE.

If we want to know if our money is holy , we need to recognize the two important signs of HOLY MONEY.

Sign#1 : If the Purpose of Money is LOVE.
- If we give, it should be out of love. If we tithe, it should be out of love.
- We all have moral duty to give. We all have moral duty to be Truly Rich.

Sign#2 : If the Process of Money is LOVE.
- How did we earn our money? 
- According to Bro. Bo, we need to always ask ourselves, "In the process of making money, did I become more loving? patient? sacrificial? selfless? 

If all our answers are "YES", then our money is HOLY, as well as our job, business and investments.

Bro. Bo ended the talk saying that Wealth's mission is to love others and it wants to find its way into the hands of loving people who will earn and use it for LOVE. He encourages us to be THAT PERSON of GREAT LOVE.

Talk# 4: Bonus Talk

According to Bro. Bo, if we want to change our Financial Life, we need to change our underlying Financial Behavior and Financial System.

Our Financial System is consists of our thoughts, behavior and verbal pattern which normally is influenced by our family. Our Financial system can either break or make us. He said, that there are only 2 financial system in this world namely the Hunter and Rancher System.

The Hunter System/Cycle
1. A hunter goes out of his cave when he's hungry to find food to eat.
2. Party with family and friends when he finds a catch.
3. When the meat is gone and he's hungry again, he goes out to hunt for another animal.

    Hunters can be employees or entrepreneurs. No matter how big their incomes are, they would be times that it will be gone. And they would be forced to go out and hunt  again.

The Rancher System
1. Rancher don't eat everything they capture.
2. They keep some to breed other animals.
3. Ranchers will always have food to eat because they grow their own food.

Their difference????
If a hunter takes a vacation and stop working, he stops eating;
If a rancher takes a vacation and stop working, he'll continue to eat because his animals continues to multiply on their own.

Bro. Bo suggested a system to acquire the Rancher system called the " Seven Jar Strategy". Every time we receive our salary/commission/profit, divide our money into these 7 jars.

The Seven (7) Jar Strategy

Jar 7: Emancipation Fund (20% or More)
- For Retirement.
- Others call it Freedom Fund.
- You can invest it in Paper Assets like Stocks, or Real Estate or in a Business.
- This will make us a rancher.

Jar 6: Emergency Fund
- For Emergencies like leaking roof, car repairs, sickness, etc.
- Should be equal to 3 to 6 months of your salary
- Keep in a bank for easy access/liquidity.
- The older you get, the bigger it should be.

Jar 5: Everyday Fund (70% or Less)
- For regular monthly expense
- Live simply to live within this range.
- If your income increases, your everyday fund should decrease.

Jar 4: Empower Fund (5% to 10%)
- For short term savings like saving for a house downpayment, a car, a new laptop, a new gadget, a trip, etc

Jar 3: Enjoyment Fund (5%)
- For our enjoyment because God wants us to enjoy life.
*** 1 Timothy 6:17 " ... put their hope in God, who richly provides us with everything for our enjoyment.
- The enjoyment fund is for our wants. This fund is needed to avoid being an impulsive buyer or a miser/penny pincher.

Jar 2: Education Fund (5%)
- Invest in ourselves. If we grow ourselves, we grow our wealth.
- We need to be teachable. We need to be a student and be teachable. Humility is the key.

Jar# 1 Eternity Fund (10% or more)
- For our Tithe - our ultimate investment with the greatest return.
- This is our long-term investment. God will always remember whatever we give to Him and will reward us accordingly for all eternity.
- It is the safest investment because because it is like shipping our investment in heaven..
- Every time you receive your salary, set aside your tithe and see how God will supply your every need.
- When we tithe, we acknowledge that everything we own really belongs to God.

He emphasize that we should be a Rancher , not a Hunter. Before he ends his talk, he repeated the story of the Rich Man and the Beggar which he told last year. The full version of the story here.

Hope I was able to share the inspiring words from Bro. Bo. Let's work together towards our financial freedom.

May All our Dreams Come true! :)