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.

Seminar Review: Business 101 by Marco Victoria and others

My husband and I attended this seminar last Saturday. Our primary reason is to be guided by the "PROs" in improving the business that I just recently started and the business that we plan to start next year.

Attending this seminar is one of the best things that we did before the end of the year. There will be more even though there are only few days before the year ends because we believe that successful people have a bias for action and we want to be one of them. Why plan for success at the beginning of the year when you can do it before the year ends and start immediately on DAY1 of 2014.

By the way, one of the reason that we attended this seminar is to support the cause of the organizer of this event which is SHARE MOVEMENT.

Shown below are the points that I learned and noted and will take into action.

From Marco (PART1)
1. Business is for Everybody
2. Before going into business... Find your business "WHY"
3. Attitude and Mindset of Entrepreneur
 a. Aggressive Action
   = Aggressive + Action Doer
   = Look out for needs and Demands of People
   = Don't just look at the present.. look at the future. (Example based on the recent Yolanda Tragedy. Think of the Ice Plant instead of Body Bag).
 b. JUST DO IT.
   = The enemy of Action is FEAR.
 c. NEVER GIVE UP
   = People will doubt you but just keep on moving and never give up.
 d. BE OPTIMISTIC
   = Set Target. Set Goal. WRITE IT.
   = " I can do it, I don't know when but I CAN DO IT.
 e. WATCHFUL of OPPORTUNITIES
   = Opportunities are always under your Nose. If your head is always up, you will not see it.
   = Be careful of MLM, ensure that products will continue to be there in the future. (See 3.a)
   = Be careful of getting a Franchise, ensure that the franchise you're investing in has a GOOD SUPPORT System.
 f. RESOURCEFULNESS
   = Enemy of Overhead
   = Keep on Asking to Get the Best Deal.
 g. HUMILITY
   = Find a Business Mentor
   = Having a mentor is not easy. It is hard but it will teach you humility.
4. OVERCOME FEAR else you'll be
  a. Scared to Risk
  b. Lazy to Start
5. The primary difference between rich people and poor people is how they handle fear. ~ Robert Kiyosaki


From Pauline C. Pontiano 
1. Discover your PASSION
 - You think of it 24/7
 - Will work for Passion
 - Go Overtime without pay
 - You Live, Breathe amd Become it.
2. Use our God-Given Gift
 - It is something that He has planted in our heart to make people feel His Love.



From Sha Nacino (Discovering your Life Purpose
1. Passion is something that you do that when you start doing it, it will be hard for you to stop.
2. SERVE FIRST then MONEY will FOLLOW.
3. Purpose and PASSION can be interchanged. They should be connected.
 a. You Love to do
 b. You Do Best
 c. Gives Value to Others
 *** "A" and "B" should be the same, else it will be a disaster. :)
4. How to Discover Your Life Purpose
 a. Mindset: Serve 1st, money will follow
 b. TAKE the 1st STEP, the Next Step will UNFOLD.
   ** Create a Notebook/Idea Bank. Write your Idea before you forget about it. Then let your subconscious work on it.
 c. CARRY ON. PERSEVERE - believe in yourself.
5. Make your PASSION your PROFESSION
 > This will increase your Happiness and Productivity.
6. FRUITS of PURSUING YOUR PURPOSE
 a. Happiness
 b. Inspiration
 c. Meaning
7. In Him as your Business Partner, what is there you can't achieve.


From Molly Baylon
1. Every Dream comes from wound/pain.
2. Use your pain wisely.
3. Invest in yourself.
4. Know the difference between "Inggit and Pangarap" (Envy vs. Dream/Wish)
5. Too much happiness can make you blind.
6. Pain can open our eyes to Opportunities.

From Marco (Part 2)
1. Initial Business Investment
 a. Time
 b. Talent
 c. Treasure
 *** If you lack in one thing, use what you have to gain the one you lack. (ex, if you're not good in math/accounting (talent), use your treasure to hire an accountant.
2. Know that WHAT,HOW,WHY of your Business.
 WHAT - Product/Service
 HOW - PROMISE
 WHY - PURPOSE (This will drive you)
3. Also Know the WHO, WHERE, WHAT VALUE and WHY2
 WHO - your market (demographic)
 WHERE - your market (geographic)
 WHAT - value do you give your market
 WHY - reason they will buy from you compared to your competitor.
    ** Have a USP (Unique Selling Proposition)
4. Write what you want.
5. The Story of the Moso Bamboo
 - Be patient when you see/feel that your business is not growing. This may be the season where you are growing your roots longer and deeper. Use this season to build your network and yourself. Invest in yourself.
6. EVERY ENTREPRENEUR OWES THE NEXT GENERATION A BLUEPRINT OF HOW TO DO IT AGAIN.



Indeed, it was a great seminar. We exceeded the time but the attendees didn't mind and stayed even until the seminar ends. I already heard/read some of the information before but it is more empowering to hear if from those who is already walking their talk. We learned from their mistakes. We also learned techniques and new ways to improve my new business.

The Seminar is a must for those who are already into business and also to those who are still to start a business. It will help them start right.

I will highly recommend this seminar!!!

In Summary:
Price: Php 500 only (Knowing that all proceeds of the seminar will be donated to Joseph Feeding Mission make it priceless. Also, kudos to the speakers who selflessly shared their experiences for free. May God bless your business more.)
Seminar Content: Super Check
Recommended: Super Check

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. :)

STOCK MARKET: Bull Market vs. Bull Run

I read an interesting article  in the Business Section of the Philippine Daily Inquirer Newspaper today written by Den Somara under his Column Market Run which is entitled "The Bull Market and the Bull Run". He is a Licensed Stock Broker of Eagle Equities Inc.

According to the article, many are confused on what is happening in the stock market. Many were expecting a correction but it never got sustained. Prices will be low in a few days but it will rise again and outperformed the previous weeks. Whether the prices will go down soon will only depend on the kind of buyers. It will not go down if they are taken by the "long-term buyers". However, prices will go down if they are taken by the "short term buyers" or speculators.

Below is what I have noted from his article:

BULL RUN
 > Series of price movements.
 > It is prolonged and characterized by daily gains.

 > It is the period where there is a run of stock prices.

BULL MARKET
 > It is characterized by a sustained rise of share prices.
 > It happens when the the economy is strong, people have money and are willing to spend it. Demand becomes stronger. Market prices go up.

> It is the time frame at which such price run happens.

Another information I have noted is "If the daily price increases are sustained for at least 5 trading days, the stock,sector or index could be in a run." If the run is the result of rising prices, it is called a rally, a BULL RALLY.


It was such a great and informative article. Hope you get something from what I've shared.

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

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!

WHAT IF.... You Volunteered or You were Volunteered?

This question came into my mind when I was invited by Dr. Larry Gamboa Author of Think Rich Pinoy Book to give a Testimony on Real Estate and Stock Market last Monday May 14,2012 to the Retirees of La Salle - College of Saint Benilde. The Seminar is entitled " Life After CSB" which has four parts:


Part 1: Monday morning "Managing Change and its Challenges on Time and Life.”
Part 2: Monday afternoon “Managing Financial Opportunities for a Better Life”
Part 3: Tuesday morning “Exploring Business Opportunities and Employment in the Corporate World”
Part 4: Tuesday afternoon is specifically only for the retirees.



I was honored and blessed to be able to meet these great people. Actually, I was thinking that our audience would be of the retiring age of 65 years old but there were also young faces in the group. I learned that "VERO" or Voluntary Early Retirement Offer was offered to the CSB employees and the attendees were those who availed.  They will be receiving a good package. I also remembered that such thing was also offered by my previous employer when they needed to do some cost cutting measures but they named it differently - RIF or Reduction in Force.

But what is supposed to be the meaning of Retirement?
As per Wikipedia, Retirement is the point where a person stops employment completely. A person may also semi-retire by reducing work hours. Many people choose to retire when they are eligible for private or public pension benefits, although some are forced to retire when physical conditions don't allow the person to work any more (by illness or accident) or as a result of legislation concerning their position.


Whatever the purpose of the retirees in availing the VERO it is good to know that CSB made an effort to prepare them for the "Life After CSB". The speaker of the first part of the seminar was the CSB HRD Manager. He discussed the "Who Moved my Cheese" Book and it was so relevant to the theme of the seminar.

The speakers for the 2nd part of the seminar was Aya Laraya of Pesos and Sense. He talked about the advantage of Investing in the Stock Market. I have heard Aya talked for many times already but there is always something that I learn whenever I got to listen to him. It was also a blessing to be able to discuss stock market with him and get tips on his preferred companies - MPI, MWC and the three major Banks.

My testimony was after Aya. I shared about the advantage of investing in both Real Estate and Stock Market. My sharing focused on my two Real Estate deals and Stock Market Performance from the Year I started investing in the Stock Market to present.

Sir Larry spoke after me and he discussed How to be become a MAVEN. He inspired the group to find their passion and monetize it. They can use it to generate income after CSB.

The response of the audience was overwhelming. They appreciated our sharings.

It was also a blessing to meet Dean Pax Lapid of GoNegosyo and be able to discuss Stock Trading with him. He recommends to have two Citisec Account. One intended for Long Term Investment and one for Trading. He advised me to only invest less than 1/3 of the amount I have in my account intended for long term. He mentioned that he preferred Holding companies specifically DMCI.

It was truly an overwhelming and a different experience especially thinking that you were able to share my experience to these people. I am greatly honored and thankful to Sir Larry for inviting me to give a testimony to the people of CSB. Thank you also CSB for the tokens below :)

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

Book Review: Secrets of the Millionaire Mind by T. Harv Eker

I've already been hearing about T. Harv Eker from the seminars I have attended and maybe people I have meet but never really took attention on him. However, few days after finishing the book "Ang Pera na hindi Bitin", I went  to a bookstore looking for another book to read and chanced upon this book of T. Harv Eker. I got curious about the Title and bought it together with another book on Warren Buffet.

I am very glad that I bought this book. It was awakening and very comprehensive. It was divided into 4 parts namely:

a. "Who the Heck is T. Harv Eker and Why Should I Read this Book?"

b. PART ONE: Your Money Blueprint

c. PART TWO: The Wealth Files

d. "So What the Heck Do I Do Now?"

At first, I thought that I gonna be bored reading this book because of the long chapters. But it never happened to me. A had a lot of realization while reading it.

Harv discussed our Money Blueprint, where it came from and how it affects our thoughts, action and attitude towards Money. He also mentioned steps and ways on how can we change our money blueprint for the better. 

He also used some mathematical equations which are:

1. T > F > A = R

Thoughts Leads to Fear

Fear Leads to Action

Action Leads to Result

2. CZ = WZ

Comfort Zone equals Wealth Zone. By expanding your comfort zone, you will expand your income and wealth zone.

On part Two of the Book, Harv discussed the Seventeen (17) Ways Rich People Think Differently from Poor and Middle Class People which are:

1.  Rich people believe “I create my own life”.  Poor people believe “Life happens to me.”

2.  Rich people play the money game to win.  Poor people play the money game not to lose.

3.  Rich people are committed to being rich.  Poor people want to be rich.

4.  Rich people think big.  Poor people think small.

5.  Rich people focus on opportunities.  Poor people focus on obstacles.

6.  Rich people admire other rich and successful people.  Poor people resent rich and successful people.

7.  Rich people associate with positive, successful people.  Poor people associate with negative or unsuccessful people.

8.  Rich people are willing to promote themselves and their value.  Poor people think negatively about selling and promotion.

9.   Rich people are bigger than their problems. Poor people are smaller than their problems.

10. Rich people are excellent receivers.  Poor people are poor receivers.

11. Rich people choose to get paid based on results.  Poor people choose to get paid based on their time.

12. Rich people think “both”.  Poor people think “either/or”.

13. Rich people focus on their net worth.  Poor people focus on their working income.

14. Rich people manage their money well.  Poor people mismanage their money well.

15. Rich people have their money work hard for them.  Poor people work hard for their money.

16. Rich people act in spite of fear.  Poor people let fear stop them.

17. Rich people constantly learn and grow.  Poor people think they already know.

I agree on all of these ways. I haven't mastered all of them but trying my best to correct my thinking. And put into practice all the things I learned because according to Harv, by doing so, we can quickly move to a higher level of life. 

We also need to understand the order to success for the Rich which is:

BE > DO > HAVE ~ If I become a successful person, I will be able to do what I need to do to have what I want, including a lot of Money. 

I believe that this book must be part of the first books for Financial Literacy because Harv was really successful in bringing out the root cause of our money problems and how can we effectively correct it.

Harv also mentioned some of the great investments we can focus on like Stocks and Real Estate. He even mentioned "Don't Wait to Buy Real Estate. Buy Real Estate and Wait".

Aside from the Rich Ways, there are also parts in the book where we make declarations which are listed below:

Place your hand on your heart and say the following declarations…

“My inner world creates my outer world.”

“ What I heard about money isn’t necessarily true. I choose to adopt new ways of thinking that support my happiness and success.”

“What I modeled around money was their way. I choose my way.”

“ I release my nonsupportive money experiences from the past and create a new and rich future.”

“I observe my thoughts and entertain only those that empower me.”

“I create the exact level of my financial success!”

“My goal is to become a millionaire and more!”

“I commit to being rich.”

“I think big! I choose to help thousands and thousands of people!”

“I promote my value to others with passion and enthusiasm.”

“ I am an excellent receiver. I am open and willing to receive massive amounts of money into my life.”

“I choose to get paid based on my results.”

“I always think ‘both.’ ”

“I focus on building my net worth!”

“I am an excellent money manager.”

“My money works hard for me and makes me more and more money.”

“I am committed to constantly learning and growing.”

Touch your head and say… “I have a millionaire mind!”

Harv believes that these declarations are powerful but this would not give us any result until we ACT. Talk is cheap. Our Action is the one that will count.

I highly recommend this book!!!

In Summary:
Price: Php 335 only in NBS
Content: Check
Recommended: Super Check