Truly Rich Club is Changing... for the BETTER :)

Change is good. And the TRULY RICH CLUB wants to change for the better.

This coming July 11, 2016, Bro. Bo Sanchez is celebrating his 50th birthday. Yes, he is already entering the golden years. And as he enters this next season in life, he is re-launching Truly Rich Club which will be called “Truly Rich Club 2.0”

In this regard, there will be added benefits  for TRC 2.0 members which will be announced soon.

New members who will sign-up during the re-launch period will receive the following gifts:

a. A paperback copy of my latest book (ebook for international members)
b. A chance to have a coffee date with Bro. Bo (10 winners)

To learn more about Truly Rich Club 2.0, watch Bro. Bo's videos here: TRC 2.0 Pre-launch. These are just 3 short videos and if you haven't watched it, then you should! There's a red bar below the videos and I want you to click on it and make sure to register to find out what will happen in the next few days!

P.S.
We've been a member of the Truly Rich Club for more than 6 years now. Truly Rich Club has been our online and offline mentor. It's been our guide financially and spiritually. We share in it's belief that "The Ultimate Purpose of Wealth is to LOVE Others". It's mission is to "Make GOOD People Wealthy". Today, We're blessed to have savings, investments and business. All of these would never happen if we were not introduced to the Truly Rich Club. Truly Rich Club was part of our Journey and we wanted you to be blessed by it as well.

P.S.S.
Again, we invite you to watch Bro. Bo's videos here: TRC 2.0 Pre-launch and BE BLESSED! :)


May all our Dreams Come True!

Change is Coming....

It's quite a while since I updated this blog. Almost two years to be exact. Pardon my absence ;). I just got busy with new businesses ;).  I will be talking about that on my other upcoming post.

But for now... that we have a New President and we're seeing changes, I think it's time to do some change as well.

As for this blog, expect change to come in the next few days :)

Truly Rich Club GOLD Mastermind 09.28.14

The Truly Rich Club GOLD Mastermind is a new program of Bro. Bo Sanchez for the Truly Rich Club Members. It started aftere the Wealth Summit last February 2014.

The Truly Rich Club GOLD Mastermind is a quarterly event EXCLUSIVE for Truly Rich Club members ONLY. It is a half-day event of learning and bonding with other TRC Members.

To date, there were already three (3) mastermind sessions that had happened. But it is only our (me and my husband) first time to attend because of some conflicts with our schedules.

According to Bro. Bo as well as the other Truly Rich Club members who have been attending the previous masterminds, each Mastermind is different. Each session, Truly Rich Club Platinum Members and other mentors are taking the stage and sharing ideas on how we can create multiple income streams.

For the Mastemind last Sunday, we're able to learn from Vera dela Cruz, TJ Manotoc, Bro. Bo Sanchez and Jay Paul Hernandez.

Below are the things that I had noted during their sharing:


VERA DELA CRUZ
Events Organizer/Planner of Whitekraft Events Solution
27yo :)

1. Obedience to Parents = God's reward.
> From the start, she wanted to be an events organizer but her parents wanted her to become a nurse. She obeyed her parents. She graduated as a nurse. Worked for 4 years as a nurse. Then, resigned and pursued her dream. Her journey as a nurse was not put to waste because a lot of her clients today are her colleagues, friends, classmates and doctors from the hospital where she worked from.

2. Keep on Dreaming. Have a Vision.
V - isualize it
I - nternalize it
S - speak about it
I - nitiate it (take the 1st step)
O - wn it
N - urture it and TRUST GOD


TJ MANOTOC
Broadcast Journalist / Social Entrepreneur.
Initiated the program/business " SWITCH to SAVE"
Tag Line: Switch Brand. Save Lives.

1. What is Social Entrepreneurship?
Social entrepreneurship is the field in which entrepreneurs tailor their activities to be directly tied with the ultimate goal of creating social value.

2. Why a need for Social Entrepreneurship? Donor Fatigue

3. Product of Necessity vs. Product of Choice. The former is better.

4. SWITCH to SAVE Products to date: Angel's Secret Sanitary Napkin, CleanAll Soaps.
Why Napkin? 70% of Payatas Trash are napkins and diapers. Angel's Secret napkins are biodegrable.
*** To be a dealer: Minimal Capital. Only Requirement is a Big Heart.

5. Have a story to inspire.


BRO. BO SANCHEZ
1. The Main Goal of Truly Rich Club is "Helpng Good People become Rich"
2. Update on his maids' stock account which is now at Php740k and she's only 31yo. She's be having 30M when she retires :)
3. It's a DONE DEAL!!! All TRC Members will become Multi-Millionaires.


JAY PAUL HERNANDEZ
Former HR Personnel
Feast Builder in Greenhills

1. PASSION is like looking for a perfect shoe. It should suit your style, your taste, must fit well and must be comfortable.
2. Don't live day to day.
3. Live for something bigger than yourself.
4. The Best is yet to come.



After the talk, the attendees were divided into 10 groups. Each group was facilitated by a Truly Rich Club Platinum member. They are not being paid for this but it is their way of giving back. It was a great experience. We're able to know our mentors more and able to meet and greet other TRC members. In our group, we've learned that many of us have similar passions (writing, events organizing, music, etc.). We become instant friends. We actually all agreed to have an FB group where we could exchange questions and ideas. It was indeed a fun learning experience for us.

In summary, we learned a lot from this mastermind and we believe that there are a lot of things that we could still learn if we continue to attend the quarterly mastermind. We hope that you could also join us.

For more details on How to be a member of Truly Rich Club Member: CLICK HERE

Money Summit and Wealth Expo 2014

Sorry for being MIA again in this blog. I don't want to make any excuses. :) Practicing "NO EXCUSES Management". ;)

Anyway, this is my second time attending the Money Summit. I attended last 2010. Review of the summit for that year can be found here.

I was blessed enough to be able to attend the Money Summit and Wealth Expo 2014 for FREE. It was indeed a BIG Blessing. I was thinking of attending the summit months before but never take any action. I just keep on asking people if they will attend the summit. Unluckily, friends I wanna go with was not going and it made me think of attending as well. Call it lame excuse and procrastination. But maybe nothing just happen. OR should I call it "LAW of ATTRACTION".

Few days before the summit, a friend of mine who is also a speaker in the summit ask me if I wan't to attend the summit because she has 1 more available slot for her delegates. And who am I to say no to such a good offer. It was an answered prayer.

Prior to the event, I can't make up my mind if I want to attend stock market and real estate investing because I am doing both. I want to attend both but I can't because they are happening at the same time.I need to select the classes I would attend. But on the day of the event, I got surprised when the ID Badge given to us as delegates were VIP.  It was a JACKPOT because paying for such option would cost me Php20,000. Dilemna solved. And so, I attended the Stock Market Investing classes in the Morning and Real Estate Classes in the Afternoon. And I would say, I learned a lot. It empowered and inspired me again. It puts me back on track from my hibernation.


Let me share with you some of the key points I learned from the two day seminar.

DAY 1

Fitz Aclan: Making Money at any Market using Technical Analysis
What to know:
1. What is the trend?
When will the trend change.

Manulife Presentation : Estate Planning
Wealth is Relative. The more wealth you have, the more relatives you have and vice versa ;)
Estate Planning is imporatant, esp. if your assets are not liquid.

Salve Duplito: Scam Busters
Php 60B - Lost in Scam
It is our duty to share the noise on SCAM.
People into Scams normally doesn't want to admit that it is a scam that they get into, because normally, if no one makes a noise, they will continue to earn until the mastermind run with their money. :(

Hans Sicat
President of PSE
What's up with PSE???
1. PSE EDGE - Mobile Apps on Viewing Companies
- Avail on Android and IOS
- Free
2. PSE Tradex
3. PSE now in Facebook and Tweeter
*** Inflatin might be higher this year. Government spends 2.5% of GDP in Infrastracture

3 Money Making Machine
Fitz Villafurte - Forex is riskier than Stock Market
Tips: Mange your time for trading, Know if you have the mindset, control your greed.
Ivnesting - Long TERM
Trading - Speculating
STRATEGY:
   Short TERM: FOREX
   Gain  from FOREX being put into Stock Market for Long TERM.
   Dividends from Stock Market are reinvested.
   STOP LOSS: 10%
   It's all about money Management
" THE TREND IS YOUR FRIEND, DON'T GO AGAINST IT".


DAY 2

STOCK MARKET INVESTING

Technical Analysis, NOT Memorization.
1. Find Something that is going up and tide it. (DNL,ICT)
2. Find something that is trading higher.
- find Logic in price movement.
For Observation: FPH,MARC,LC,SMC, ROCK, CPM,SECB

Stock Picks:
Puregold - 10% Swing
Nickel Asia -after consolidation
DNL

There is no time frame for consolidation. It can take days, weks, months and even years.


SPEAKER2: Charmel DELOS SANTOS

1. Know the business environment
2. Concepts - Value investor, trend follower
 - know what is good for you.
 - know yourpreference.

The market will do what it wants to do.

MONEY IS NOT WORKING FOR YOU. YOU ARE WORKING FOR YOU. STAY IN CONTROL.

SYSTEM:
1. 10 parts
2. PRocess
3. Perform Review
4. Review/ Improve.

Major RISK AREA in INVESTING
1. System - set a target and measure performance
2. System
3. Personal

VELOCITY of Money - pag-gamit ng pera ng paulit-ulit (money circulation and re-use)

CHARMEL Business Model - Entry, Stop, Exit ad Position Size

Market Risk Factor
Market Dynamics - world affairs,debt issues, movement of meny to asset classes
Market Type Changes - Bull, Bear Chicken
Market Players - Government, Big Money, Companies
Inter-Market Risk - Global Currency Trends.

"MONEY GOES WHERE IT IS TREATED WELL".

Personal Risk Factor
- Investment Psychology - goals, beliefs, conflicts
- Decision Making - Efficiency, over confidence
- Skills - Professonals are in the market. How do you do business with them.
- Personality - are you a rational thinker., emotional?
- Timeframe and Temperament.

POSITION Sizing
- How much you will Risk / Lose in that Trade

Structured Ivnesting Approach
- Bisiness Plan
- Market
- System


REAL ESTATE INVESTING:

EDEN Dayrit
- She was not able to make it to the Seminar due to health reason but she did a video.
TIPS:
1. Build Connections - Pursue People you want in Buisness
2. Just Start. Just do it. Just take the 1st step.
3. KEEP MOVING FORWARD.

Maves Angeles
Create Happy Moments
Our Imagination is our Limit but the world is limitless.
Stop playing unnecessary imagination in our mind. Think Positive.
Stop thinking of what other people will say.

NOLI Aleje" Finding the Flip"
Beleive on who you think you are.
WHY REAL ESTATE - can take care of itself.
When you buy a land, you can't make a mistake as long as it is good.

WHY FORECLOSURE? Property Integrity

CONDO CRAZE - we will have more consumer loans in few years from now. Currently @ downpayment/inhouse.

FORECAST LOANS: Php 1,118,200,000
44,728 units - New Assets Coming Soon (Importance of Liquidity)

Inflation is low.... Not GOOD to hold on properties
Inflation is high..... Good due to appreciation.

Interest Rate - might go up already in the next few months.....
- Be CAREFUL with Annual Repricing

In choosing a property, things to consider:
1. JOB GROWTH
2. PATH of progress (ex. SLEX)

Things to Remember in Checking Properties:
1. Know the History of the Property / Story Behind.
2. Visit the Property M-F, Morning, Lunch, Evening
3. Know Road Conditon at all times.
4. Bring an Index Card for details - front, front left, front right
5. Take picture of the most broken part of the property for negotiation with banks.
6. Know leagal Status
7. Remember - Dirtie or more problems, the cheaper.
8. As much a possible, don't buy wooden houses.


WILSON LEE FLORES (MAXIMIZE INCOME on RENTAL PROPERTIES)

1.Compute and Compute
2. Check Tenants / Be Careful with Tenants
3. Psycho your Rental Prospects.
- People tend to like people on their right.
4. Be nice to other people. Be Fair. Be Humble.


RAYMOND LIM
- "PROFIT FROM PURCHASE"
- Have an Exit Strategy
- REAL ESTATE INDUSTRY WILL NOT BE OBSOLETE
- History will always repeat itself
- Know the Real Estate Cycle
>> NORMALLY IT CHANGES EVERY 2 QUARTERS
>> KEY: Demand vs. Supply
>>> Invest when there is Bigger Population.
-"WHEN YOU FIND VALUE, YOU 'LL FIND MONEY"
Key Indication - Population Demographics
RULE of EXCEPTION: PERSONAL - BUY NOE
-Make most Money @ Flipping options (OPTION TO PURCHASE)
"MOVEMENT OF MONEY IS MOVEMENT OF ENERGY"
-"Property Market is always driven by ONE FACTOR - LIQUIDITY."
- The Higher the LIQUIDITY the lower the Interest Rate.
"ALWAYS THINK INVESTMENT"
>>>> It's Either you Invest or you Consume."
THINK OF DELAYED GRATIFICATION.
BE COMMITTED TO FINANCIAL FREEDOM.

INVEST IN YOURSELF.
INVEST INYOUR MINDSET.
THE PROPER TIME IS NOW.

Do your own chart/ Research.
Minimize Risk. Maximize Returns

BGC - 5 years to profit ore, if possible, transfer money to other property that will give more return.

In summary, I was very happy that I was able to attend this Summit. I learned a lot. The information and tips given by the speakers are still echoing at the back of my mind. Truly, Financial Literary is not expensive compared to IGNORANCE.

I invest in education :)

Every Summit is Different.  If we remain open and humble, we will learn a lot.

FOR MY RATING:
VENUE: Check (Better than 2010)
PRICE: Check
TOPICS: Check
SPEAKERS: Check
Recommend: Check :)

Cheers! See you on the next Money Summit!

Start Early and Be a Billionaire through the Stock Market Part II

This post is dedicated to all parents out there but if you're not a parent and you still haven't invested in the stock market, this is also for you.

This is part II because part I is for my eldest child. I was able to open a stock account for her at age 3. Part II is about our second child. We were also able to open a stock account for him.  He also started early. He is not 3 years old. Not 2 years old. Or not even 1 year old. We're able to open an account for him when he was 2 months old. It was after his baptismal. We used the money gifts he got from his baptismal to open an account. Thanks to all the generous givers. :)

The same with our daughter, our son's account is intended for his college education but in case, we can manage not to touch this investment, He will also be a Billionaire before he reach 70. And since my son opened earlier than my daughter, will he be richer than her ate? We don't know. But we need to ensure that they will be Truly Rich. They need to know the true purpose of wealth which is to help and love others.

I posted this not to brag but to inspire you to start investing in the start market. The BEST TIME to start is NOW. You see SALE everywhere, even at the stock market.


Cheers to our Financial Freedom!!!


PS:
Learn more about the start market, join the Truly Rich Club. :)

Happy 2014!!!

2014 will be better than 2013. This I claim in Jesus name.

It's the 10th day of the 1st month of 2014. So far everything is doing good. And I believe, the best is yet to come.

Our 2013 was so blessed and based on the Year-End review that my husband and I did 2 days before the year end, most of the goals we set Last Dec. 1,2012 were met. This also inspire us to continue doing our yearly strategic meeting. On that same day, we also did our 2014 goal setting. And we agreed that we will do our best to meet our goal but we also need to learn to let go and let GOD do the rest esp. if things are not going our way.

One message I can share to inspire you which I got from Bro. Bo from the Feast PICC, is to remember that "Sometimes, when things are falling apart, that means things are falling into place."

By the way, if you haven't set your goals for 2014, it's not yet too late. Just start making it now and see what happens next.

May we all have a prosperous 2014.

Kerygma Conference 2013

Pardon me for being MIA in this blog for a long time. A lot on things happened in last few months. Some of the good and not so good things that happened to me are shown below:
1. I gave birth last May to a healthy baby boy.
2. I returned to the hospital 3 days after I was discharged due to elevated Blood pressure.
3. My Eldest start going to school.
4. Experienced post partum depression :(

I may had my downs but I am still fighting the negativity around and attended Kerygma Conference 2013. True enough, we were blessed by the Conference. We learned a lot and got empowered.

The Classes we attended were:
1. Powerful Business: VISION: Attaining the Millionaire's Mindset by Dean Pax Lapid.
2. Powerful Business: MISSION: Loving our Customer by Bro. Bo Sanchez and Edward Lee
3. Powerful Business: ACTION: How to Effectively Sell Your Product by Krish Dhanam and Francis Miranda
4. Marriage: SEX Factor Christian View on Intimacy) by Pilar Tolentino
5. Marriage: Family Idol: Win in all Areas of your Relationship by Michele Alignay, Pia Hontiveros-Pagkalinawanan & Rwin Pagkalinawan.

Aside from these classes, there were plenary talks given by Andy Comiskey, Krish Dhanam and Bro. Bo Sanchez and all of them were empowering.

Below are some of the key points that I have noted:

Plenary Talk by Andy Comiskey
1. God's mercy is more powerful than our sexual brokenness.
2. Jesus hated the traditions of men.
3. We are all children of God.

Plenary Talk by Bro. Bo Sanchez
1. You're wiser than you think you are.
2. The quality of your life is dependent on the quality of your decisions.
3. To make great decisions in life, consult a wise person.
4. Let these verses be our guide:
    a. PSALM 90:12 - Teach us to number our days, that we may gain a heart of wisdom.
    b. PSALM 39:4 - “Show me, Lord, my life’s end and the number of my days; let me know how fleeting my life is.
5. YOU'RE NEXT.... you're one heart beat away from eternity.
6. The only way to live an awesome life is to think of your death everyday.
7. Age is relative.
8. BE WISE = WEAR YOUR MAGIC LENS
 > Imagine your death bed.
 > Allow your older you to talk to the younger you.
9. Five (5) Messages from the OLD Dying Bo
 a. Everything goes back into the box. (Luke 12:20)
 b. Honor your own dreams. (Luke 10:40)
  - What is your ONE THING?
  - There would be distractions. Other people will distract us but we need to focus on our ONE Thing.
 c. Don't waste your time in useless conflicts.
  - Life is to short to carry grudges, hatreds and hurts.
  - We need to learn to love others from a distance.
  - Choose our battles well.
  - You're not the savior of the world. We only have one Savior - JESUS!
 d. Don't work too hard. Always create space for LOVE.
 e. Enjoy the present moment. LIVE IN YOUR NOW.

CLASS 1: Dean Pax Lapid
1. Yearning to Learn, Yearning to Earn.
2. Work on your Mind. Work on your attitude.
3. MILLIONAIRE MIND:
 a. Poverty is the root of all evil.
 b. Action through definiteness of purpose (personal, spiritual and financial) is the key to happiness.
 c. they look forward to new beginnings and test the unknown.
 d. Money is managed logically towards its use and investment.
 e. You use other people's money (leverage) and other people's time (organization/networking).
 f. They teach their children specific knowledge/skills of value for them to EARN-SAVE-INVEST.
4. Five (5) Rules of Abundance:
 a. 10-20-70 Rule (Eternity, Emancipation, Expense)
 b. Profitable Use of Money (E's to Prosperity - Estate (Real Estate), Enterprise (Business), Stock Market)
 c. Mastermind and Mentor. Be careful with people not walking their talk.
 d. If you jump... know what you're getting into.
 e. Be careful with your heart.
5. UNLOCK YOUR MILLION POTENTIAL
 - Not based on LUCK but based on LOCK that you UNLOCK.
6. POWER of Ambition - Create a dream book, Write/use the Novena to God's love, have a definite plan (ways and means) to achieve your dream, write your dreams.
7. POWER OF VISUALIZATION - you can never hit a target you can't see.
 - DESCRIBE > MONITOR > MANAGE > MULTIPLY
 - DREAMS of a Millionaire Mind > Positive, Personal, Presence Tense.
8. POWER OF RESPONSIBILITY
 - response with your ability to the opportunity
 - don't be a mediocre
9. KINDS of FAILURE - Thinking without Action and Acting without thinking.
10. LOVE is the greatest secret of Success. ~ Og Mandino
11. LEAD with Your Mind
 - L (Life's Ambition) - full expression
 - E (Energy to believe in the idea / opportunity)
 - A ( Action is the only Option) - Work for your own success.
 - D ( Destiny's Foundation) - Courage and Character Leads to Success
12. For Young entrepreneur, use your face value and do business with integrity.
 > HINDI BALENG MAGKULANG, HUWAG LANG MANGGULANG.

CLASS 2: Loving your customer by Bro. Bo Sanchez
1. TRUST is deepened by the WHY of your Business.
 > WHAT: PRODUCT
    HOW: PROMISE that you Give (USP - Unique Selling Preposition)
    WHY: PURPOSE
**** Example of Successful Company, Organization: Apple, Truly Rich Club (Why = Good People can be Rich), The Feast (Why: We love the unchurched) and COL (Why: Everyone ought to be Rich).
2. The "RIGHT CUSTOMER" is always RIGHT.

Loving your Customer by Edward Lee
1. Don't sacrifice your service
2. Expand your products to the same Customers.
3. MAKE A CUSTOMER, NOT A SALE.
4. Spend 80% of time on marketing.
5. Learn all you can.
6. The customer you spend time with is your customer

CLASS 3 by KRISH DHANAM
1. Selling is a process, not an event.
2. Selling is what you do "for" someone, not "to" someone.
3. Selling is a life long journeys.
4. Selling requires both the head and heart. They should be connected.
5. Prepare to sell by having your 1st appointment with SELF not with Client.
6. PEOPLE don't but for "YOUR" reason but for "THEIR" reason.
7. Be in-charge of our actions.
8. Be a 24H Champion.
9. Happy Kids - having a father who LOVES GOD and who LOVES his WIFE.
10. Customers don't buy products, they buy solutions.
11. TRUST meet expectations over time.
12. LOVE spells T-I-M-E.
13. Success is an ongoing journey.
14. Failure is an event, not a person.
15. Be a great student. Be a great teacher.
16. Choose people to hang out with.
17. Other people's opinion don't matter. It's our own opinion that matters.
18. Three (3) TOP Lessons from Zig Ziglar - LOVE for GOD, FAMILY and COUNTRY.
19. POSITIVE Thinking should be supported by Positive Affirmation.
20. While you learn, don't forget to teach.
21. Persistent vs. Annoying.
22. Discipline is a FRIEND not an ENEMY.
23. SELF MOTIVATION > change in view... OPPORTUNITY CLOCK instead of ALARM Clock.
24. Understand the difference between refusal and rejection.
25. Three Books that influenced him: BIBLE, See you at the TOP by ZIG Ziglar, Developing the Leader within You by John Maxwell.
26. Affiliation and Reputation can bring us either Success or Failure.
27. In closing a SALE: Ask direct question.
28. Consistency brings Success.. ensure you have a pipeline.
29. Morning Ritual.... Honoring the people he loves. :)

The PATHWAY of Selling by Francis MIRANDA
1. Know, Believe, Love and Share your product.
2. Know, Believe, Love and Share yourself.
3. Know yourself by knowing your strength and weaknesses.
4. Share yourself by serving our customers and surrendering ourselves to them.
5. Books that influenced him: The Well, Turn your Passion into Profit by Bo Sanchez and Dean Pax Lapid.
6. Always prepare before closing a sale.
7. No two (2) closing are the same.

KCON DAY 2
Plenary Talk by Krish Dhanam
1. God wants our availability not our ability. He will make us able.
2. Partial Obedience is DISOBEDIENCE.
3. LOVE - central life of Christianity.
4. If you don't feel the devil, you might be walking in the same direction.
5. PRAYER:
 a. Lord Jesus, please feel free to show up at my expense.
 b. Lord Jesus, please raise my gifts but lowered me.
 c. Lord Jesus, please don't give me so much that I'll get dependent on you. Please don't give me less that I get discouraged.

Plenary Talk by Bro. Bo Sanchez
1. All progress—in any area of life—comes not from pleasure, but from pain!
2. If you push away all pain from your life, you also push away all progress from your life.
3. Successful people pursue pain.
4. Birth, Learning, Raising Great Kids, Great Marriage and Financial Prosperity requires pain.
5. Pain is temporary.  But your Purpose is permanent.
6. Your pain will prepare you for your purpose.

It is our third year attending the Kerygma Conference. And it's getting better and better. From Glory to Glory to the rising of Champions. Now, it was empowering....

It truly Empowered me. It Blessed me. NOW, I'm  ready to endure pain, face my fear, go out of my comfort zone and conquer the world. I can do all things through Christ who EMPOWERS me.

STOCK MARKET: Stocks Seen to Test 7,000 Level

I was reading a newspaper in a coffee shop and this article in Philippine Daily Inquirer caught my attention. This is an exciting news especially for investors like me. Check it out.

Local stocks are expected to scale new heights this week as investors weigh in thei mpact of the investment grade rating issued by Fitch shortly before the long Lenten break.

Last week, the main-share Philippine Stock Exchange Commission gained 328.76 point, or 5%, to close at 6,847.47 on Wednesday. The market was closed on Thursday and Friday in observance of the Holy Week.

Jose Vistan of AB Capital Securities, said the main index would attempt to breach 7,000 this week.

"Trading will be upbeat as the Fitch upgrade was announced before the long holiday break," Vistan said.

On Wednesday  Fitch announced the upgrade of the Philippines'  Long-Term (IDR) to "BBB-" from "BB+" with a stable outlook, lifting the Philippine debt grade out of "junk" status for the 1st time in history.

This immediately triggered a new wave of buying at the stock market during the last hour of trade.

"Chartwise the week's close at 6,847.47 implies further tests toward the 6,900-7,000 levels," Jonathan Ravelas of Banco de Oro Unibank. But failure to test those levels could prompt some profit-taking toward the 6,575 to 6,600 levels, he added.

Year-to-date, the PSEi has rallied by 17.8% or 1,034.74 points. The main index has also logged a total of 24 record closing highs since the start of the year.

"We are now officially an investment grade country.... and this is an achievement that we all should be proud of," PSE president Hans Sicat said. "Hopefully, the othe rating agencies will follow suit so we can start seeing more investors participate in the growth of the listed companies and the economy."

Our dream is for the Stock Market to be at 10,000 level and with the thing that is happening this is close to reality. May all of us be part of this history.

Learn more on how can each one of us take advantage of this opportunity. Be an educated stock market investor. Be a TrulyRichClub member.

~ May our Dreams Come True :)

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.

DON'T INTERRUPT THE COMPOUNDING
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?

Nope.

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 Averaging - buying 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! :)

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.
But STOP DELAYING.

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. :)

FEAST TALK SERIES: HAPPY, HEALTHY and HOLY Money

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.”
   

Malnutrition

- 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.

Imbalance
* 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! :)

Online Stock Broker: BPI TRADE Had Improved

Ever since I had invested in the stock market, I was using the service of an Online Stock Broker. For our US account, we had use Smith Barney, UBS and ETRADE. For our account here in the Philippines, we had started with BPI TRADE then added Citisec Online (now known as COL Financial) because of the EIP* strategy that they are offering. I never let go of BPI TRADE because the time I opened an account in COL, some of my stocks in BPI TRADE are having paper loses.

Right now, I still maintain some of my stocks in BPI TRADE but I add up to our investments in our COL account. Just today, I was reminded to check on my stocks in BPI TRADE and surprised that I can't get through. Then I found that they migrated to a new URL Login Page. I also found out that they had upgraded their site which is almost similar to the pages and infos that can be seen in COL Financials.

Their landing page after you log in is far better than before and they already have new tabs with very informative drop down menus. The upgrade that I appreciated the most is the "View Porfolio". Previously, when you view your portfolio  you can only see your position and would not know whether you gaining or losing. This view option was already present in the COL website ever since I opened an account from them.

I am still a loyal client of COL Financials but I would still want to congratulate BPI TRADE for this a great improvement. Thank you for keeping up with the competition. There are are still a lot of Filipinos that needs to know the advantage of investing in the stock market. We're just a few years for PSEi to reach 10,000. :)

Think Rich Pinoy Wealth Seminar Last February 9, 2013

The last Think Rich Pinoy Wealth Seminar was held last Saturday February 9, 2013 at Enderun Colleges in BGC Taguig City. Yours truly was again given an opportunity to serve in the TRP Wealth Seminar last Saturday. My husband was in the technical while I was the timekeeper. We also facilitated during the Cash Flow 101 Board Game.

There were two new speakers namely Leila Hernandez, Author of the 9 to 5 Millionaire Book and Edmund Lee, Research Analyst of COL Financials.

Below are the lessons I have learned and Noted from the speakers:

1. Bro. Bo Sanchez ( The Theology of Money)
       • Our Financial Life can be divided into 3 phases:
             o Phase 1: Desert Experience (Not Enough)
             o Phase 2: Desert with Manna Experience (Just Enough)
                 This is addicting but never gets addicted to it. We need to learn how to move to the next phase.
             o Phase 3: Promised Land Experience (More than Enough)
      •  Money is everywhere. The Purpose of Wealth is to help others.
      • Value your Financial Education. Free is not good. “Kailangan may taya”.

2. Sir Larry Gamboa ( Scaling up your Real Estate Start Up)
      • Action brings clarity.
      • Make your 1st step.

3. Eden Dayrit Alemania (4Fs – FIND it, Fund it, Fix it, Flip it)
      • Accumulate More properties for passive income
      • If you are jobless, you need a co-borrower for a bank loan.

4. Ronald Cagape (Numbers in Real Estate)
      • When still starting and still building capital, do buy and sell.
      • If with available capital, buy an income generating property.
      • Remember that you make a profit when you buy.

5. Edmund Lee (Investing in Real Estate through the Stock Market)
      • Investing is a need – For Retirement and to beat Inflation
      • The key in choosing a stock is Management (CEO).
      • Currently, stocks of Real Estate Companies are not yet bullish.
      • Tip: The Next Walmart  - Puregold ;)

6. Leila Hernandez (9 to 5 Millionaire – A Real Estate Start up)
      • If you invest in paper assets, you are like a Virtual Business Owner
      • Loan Refinancing have an added cost but can be waived depending on our relationship with our banks.
      • It is not advisable to invest in a lot that you will use for your dream house in the future. Better to invest the money in an instrument that can give you a high gain then buy your dream house in the future in CASH,
      • Her advise:
            o Hold on to your current job and do your best
            o Do your investing after work (weekends).
      • The key is Discipline and Integrity.


Being a servant in the TRP seminar for almost 2 years really  changed my life. Every now and then, there are new things to be learned. I learned  by serving. Indeed, every seminar is different not only because of the topics discussed and new speakers but also because of the people I meet. It also gave me a feeling of fulfillment knowing that I was able to be part of the TRP vision of creating millions of Filipinos by 2020.

 I also want to quote Sir Larry on One of the Secrets of the Winners is their Commitment to Mastery. Keep on learning. Invest in your financial education. If you think Financial Education is Expensive, Try Ignorance. ;)

I hope to see you in the Next TRP seminar on April 06,2013. I am not sure if I can still serve that time because it will be just few days before I give birth to our latest blessing.

May our Dreams Come True!

My 4 Year Old Daughter Earned 36% in the Stock Market in Less than a Year

I missed writing and blogging. It's been a while since I posted in this blog. I will try to post more in the succeeding days :)

It was just that I am very excited to blog above my daughter's earning because it is an evidence of how powerful the Stock Market is in terms of investment. You can view my post about opening a COL Account for my 3yo daughter who is now 4yo in this link.

Initially, we planned of investing a fixed amount every month in her account but due to some changes in plan, we're not able to religiously do it.  But still based on our records, we're able to add in her account 15 times in less than a year. And I am happy to report that she already gained an overall of 36% after Market closed today February 6 following Bro. Bo Sanchez advise to the Truly Rich Club Members.

My daughter's account have only four companies in her Portfolio and all of them are positive. Percent gain ranges from 4.4% to 30.74%.

Her Total Account Equity Value is not much right now but if we stick to our plan of adding up to her account whenever we have windfalls, I know we can get there. As the saying goes, "DREAM BIG. START SMALL."

By the way, we have a son who'll be seeing the beauty of the world mid of this year and we plan to open an account for him before the year ends.

It pays to be early. Just take a look at the illustration below. It only shows that if you Start Early, you can Be a Billionaire in the Stock Market.

Figures taken from a COL Financial flyers/leaflet. :)

What will you do if you have Php 14 Million?

I accidentally got into the Manila Bulletin website and read about the Lotto Winner who spent P14M in just 3 months. I can't blaim the guy because he is not an isolated case. There are a lot of them. The question is why they end up with nothing after having a huge amount of money.

From the books I read, they were saying that the problem is internal. It has something to do with their past experiences, wrong beliefs and psychological wallet.

Our family plays a big part in our attitude towards money. It could be good or bad. Too much frugality in the family can produce a child with overspending attitude because of the feeling of deprivation during her younger years. Other examples of how our past experiences affect our attitude towards money can be read in the Secrets of the Millionaire Mind Book.

Aside from our family, our religious beliefs plays an important part on how we manage our money. One of the wrong beliefs we have is:

Wrong Verse: " Money is the root of all evil."

The correct verse is: " “The love of money is the root of evil.” ~ (1 Timothy 6: 10)

We must be reminded that Money itself is not evil. It is the love of money. If we believe that money is evil, subconsciously, we will try to avoid money. If we have money, we will do our best to spend it all as fast as we can.

Aside from the wrong beliefs, we also need to change our psychological wallet. We need to be comfortable with the amount of money we wished to have. Wishing and working for the money are different. If we wished to be a millionaire, we must try to imagine ourselves having this millions on our hands. And start planning how are you going to handle it. After visualization, it is advisable that we pray for it. Then, work for it and one you got it, do what you've plan.

I am not a lotto fan. But imagining having that P14M already excites me.  My plan is to give the first fruit to God, invest most of it and share part of it to my family and community.

How about you? What will you do with your Php14M?

To our Financial Freedom!

Think Rich Pinoy Wealth Seminar Last March 17,2012

The Last Think Rich Pinoy Wealth Seminar was held is the Citisec Training Room 24th Floor East Tower Tektite Building last March 17,2012.

Yours truly was invited to be one of the speakers. Other Speakers aside from Larry Gamboa were:


1. Bro. Alvin Barcelona
* Feast Builder of Light of Jesus Community.
* Rock-Preacher
* Enterprenuer. Owns a School and other mico businesses.


2. Jay Castillo
* Owner of www.foreclosurephilippines.com
* Real Estate Investor and Licensed Real Estate Broker



3. Aya Laraya
* Realtor
* Writer
* TV Host
* Certified Securities Representative
* Certified Investment Company Representative

3. Marivic Salva-Angeles
* Real Estate Investor
* Licensed Real Estate Broker
* President of Happy Homes Realty
* Marketing Consultant of Think Rich Pinoy Realty

4. Grace Lucker
* Interior Designer
* Handy Woman
* Owner of Urban Dweller Management Creative Solutions



5. Eden Alemania-Dayrit
* Chemical Engineer turned into a successful Real Estate Investor.
* Bought, Renovated, Leased and Sold more than 28 Real Estate Properties.


6. Ronald Cagape
* Real Estate Investor
* Licensed Real Estate Broker
* Resident Cashflow Game Master of the TRP Wealth Seminar
* Publisher of www.livingcashflow101.com and www.smalldealblueprint.com


Each Speaker discussed different topics related to Real Estate.

Bro. Alvin was the first speaker. He discussed the Theology of Money. It sets the mood and mindset of the attendees on the purpose of wealth. He also discussed the strategy he used in acquiring the real estate property where his school is now operating which is the FIND > FUND > FIX > KEEP strategy.

Sir Larry Gamboa was the second speaker. He talked about how he got into real estate and how everyone can be a MAVEN or Expert in REAL ESTATE. He said that ACTION Brings CLARITY. We need to act to get things together.

I was the 3rd Speaker. I related Stock Market and Real Estate. I mentioned why we need to invest in both vehicles. I compared the two side by side based on nine criteria. I also discussed WHAT strategy I used, WHY and HOW I DO IT as shown below.

The fourth speaker was Jay Castillo. His topic is doing the numbers in Real Estate. He gave a CASE STUDY and also showed how to compute the ROI in real life as shown below:

Next was Aya Laraya. He discussed more about Building Wealth in the Stock Market and Citisec's EIP Program which is the better way to go in the stock market than doing market timing.

Maves Angeles was the next speaker. She discussed the Five Ways to Prosper in Real Estate as shown below.

Grace Lucker spoke after Maves and discussed how to stage and rehab an ugly property. She mentioned that a real estate investor shouldn't be afraid to buy ugly houses because it is easy to make them pretty. She also showed pictures of some of her great projects. She also mentioned that looking for a great property, we need to look for the Triple D:

Eden Dayrit spoke next to Grace. She shared her background and how she got into real estate. She mentioned that she went into hiatus for a year to work on some important matter but now that it everything is running smoothly again, she will be back into real estate investing. It was noted that even though Eden went into hiatus for a year, she was able to get by because of the passive income she's getting from her previous real estate investments.

The last part of the Seminar is the Cashlow Board Game which was spearheaded by Ronald Cagape. All the attendees enjoyed the game. I was blessed to be one of the facilitators and also learn strategies from the players. Ronald also announced the launching of his new site (www.SmallDealBlueprint.com).

Without being biased, I can say that the attendees were happy after the seminar based on their written feedback. Being a servant in the TRP seminar for the past few months changed my life. Every now and then, I learned new things. I attended the TRP Seminar May of 2010. It's been almost two years and I am still learning by serving. Every seminar is different not only because of the topics discussed but also because of the people I meet and knowing that in one way or the other we learned from each other. It also gave me a feeling of fulfillment knowing that I was able to be part of the TRP vision of creating millions of Filipinos by 2020. I also want to quote Sir Larry on what he said during the TRP Mastery Academy that " Experts are students first, servant always".

I hope to see you in the Next TRP seminar on June 02,2012. I am not sure if I will be invited to talk again but I am sure that I will still be there to serve by facilitating in the Cashflow Board Game.

May our Dreams Come True!

Book Review: The Turtle Always Wins by Bo Sanchez

Book Review: The Turtle Always Wins
(How to Make Millions in he Stock Market) 
Author: Bo Sanchez

Last March 18,2012 after The Feast in PICC, Bro. Bo Sanchez launched his new book about Investing in the Stock Market. It is a follow-up of his book " My Maids invest in the Stock Market".

As you can read from my previous posts, I am also promoting Investing in the Stock Market.The moment I got hold of the book, I couldn't let it off my hands. I started reading it while in the car and finished it at home.

It was a such a great book. I am happy that there are now books available in bookstores discussing Investing in the Stock Market in Layman's Term. The words and stories used by Bo made Investing in the Stock Market simple and understandable.

The book discussed the need to invest and compared the different people found in the Stock Market. Bro. Bo compared them to 4 different animals such as a squirrel, rabbit, sloth and a turtle.

Chapter 1 of the Book (Plant in the Spring or Beg in the Fall) was successful in setting up the mood to convince Filipinos to invest for our retirement. Bo narrated the story of two grandmothers who had different strategies on handling money during their younger years and how it affected their old age.

Lola Penny was a CPA who worked in a company for 38 years. She saved for big expenses but failed to save for her retirement. She relied on her company's retirement package. After retiring, she got 3M. She was not good in handling it so after 7 years, it was totally wiped out. She started depending on her children who also had problems financially. She even heard her daughter complaining to her "kuya" about the money she spent for their mother's medicines. This one really broke her heart.

On the other hand, Lola Pilar worked as a cashier in a music store for 19 years. She got a separation fee of P2000 which she invested in the stock market in 1966. She also put add'l money in the stock market whenever she had extra. She and her husband only invest in giant companies. They sold portions of the investment little by little for big expenses. At age 85, she withdraw everything and got an oozing P 1.2M. She became a millionaire through the stock market.

Bro. Bo emphasized that God gave us a choice and ability to create wealth. If we retire in poverty, it is not God's fault.

In chapter 2, Bro. Bo said that we can be rich. But it would be better if we can take others along to richness. If we follow the turtle strategy, it is not impossible for us to get rich.

Bro. Bo compared Investing in the stock Market with a RACE. The four different People in the Stock Market are the Animal Runners.

In the Story, the Turtle won first place. The Rabbit got the 2nd place. The sloth was 3rd while the squirrel was a no show. No one really knows what happened to him. Some say, he got lost and was killed by a bear.


Squirrel is the Typical Trader. 

It represents the newbie who gets into the stock market without understanding what he's getting into. It also represents the old-timer in the stock market. He earns some and loses some. It represents the 85% of people who get into the stock market and lose their money.

They want excitement. They look at their stock portfolio everyday. They buy now and sell a few days later or something within the day. They don't follow the rules and try to take a lot of shortcuts.  They are the typical gamblers

Some of them are devious. They fool other traders. They tell their friends to buy a certain hot stock, and when the price goes up, they'll sell and leave their friends an empty bag.

These typical traders can get lost in their trading and get killed by a bear market.


Rabbit is the Trained Trader.

Rabbits are also traders but trained. Trading is their full-time job. They follow very strict rules like:
1. They don't buy penny stocks. Only Giants.
2. They don't put more than 5% of their money in a specific stocks.
3. They never end a trading day with more than 30% of their money in the stock market to avoid surprises. They are still conservative.

Some rabbits break rules once in a while. Temptation is high on the floor. And because of these they only won second place. Because they lose part on their earnings along the way.


Sloth is the Typical Investor.

Sloth is a typical investor who buys and hold. He parks his money in a stock market and forget about it. Usually it's a huge amount of money. One time, Big Time.

According to Bro. Bo, it is a good strategy but not the best. It is recommended but with few conditions mentioned below:
1. You need to have a big chunk of money.
2. You need to buy a basket of great companies that you believe will be great for the next 20 years.
3. You have to buy when the market is down or flat.
4. You got to reinvest the dividends.


Turtle is the Trained Investor.


A Turtle investor does the most boring investment strategy in the world. He invests small amounts of money each month in great companies. He doesn't care is the market is up or down. He invests regularly and puts more money when the market is down.

Their goal is to earn 12% to 20% each year over a 20 year period.


HOW the TURTLE Beats the SLOTH?
- by reinvesting the dividends. Call it compounding.

HOW the TURTLE Beats the RABBIT?
- Rabbits will always be partially invested. Turtles are almost always invested. He can take advantage of the compounding effect.

HOW to FOLLOW the TURTLE?

1. Turtle lives below its means.
- Your expense should grow slower than your income.

2. Turtle builds his farm before his home.
- Secure your livelihood before your lifestyle.
- Establish your income stream before your expense stream.
- The perfect time to invest is when your money is still very scarce.

3. Turtle Invests his windfalls
- Aside from the regular habit of investing 20% of your income, also invest windfalls like bonuses, commissions, cash gifts and profits from side businesses.

4. Turtle Invests when its difficult to invest.
- Build wealth when everyone is afraid.
- Invest even if there are crisis.

5. Turtle Works in Cash Machines, Not Stocks
- You can't invest in the stock market if you don't have a cashflow.
- Spend 99% of your time on your business. Create your cashflow. Increase and Multiply it.
- Then spend 1% of your time investing that cashflow in the stock market.

6. Turtle Believes He'll Win
- You need Wealth Competence but more importantly Wealth Consciousness.
- Mind first then Reality.
         LAW#1 You will gravitate towards what you unconsciously desire.
         LAW#2 What you can see, you can create. What you cannot see, you cannot create.


The TURTLE has a name. We call him SAM.
SAM is an acronym for Strategic Averaging Method.
It is semi-passive investing
SAM is passive investing with a little bit of "cheating" or "timing".


Five Rules of Passive Investing
1. Invest monthly for 20 years or more.
2. Invest even when there's a crisis.
3. Invest only in giants.
4. Invest in many giants.
5. Buy when the price is beneath our "Buy Below Price". Sell when the price is near our "Target Price"


Three Big Advantages of SAM
1. Faster Giants - Lesser Choices
2. Lower Prices - Buying at cheaper price. Make money when you buy. This prevents chasing a rising stocks.
3. Secured Profits - Lock your profits from a company that gone up and reinvest the proceeds to another company that has still room to grow.


At the end of the book, Bro. Bo invited the readers to become a member of the Truly Rich Club to maximize your earning potential in the stock market. Truly Rich Club Members gets Bro. Bo's Stock Update eReport, Wealth Strategies Newsletter and Stock Alerts.

I am a member of the Truly Rich Club for 2 years now. And it was all worth it. The membership fee I pay monthly is very little compared to the profits and gain I got following Bro. Bo Stock Alerts. I do believe (like the Turtle) that We Can Win if we follow these Rules mentioned in the Book.



I highly recommend this book!!!

In Summary:
Price: Php 225 only (got mine for only Php200 during the book launch)
Content: Super Check
Recommended: Super Check