TRC Entrepreneur Workshop

Before you start your business, you need to do one important thing: join Dean Pax Lapid’s two day Entrepreneur Workshop on March 21 and 28, 2015. Or else! Because this seminar will save you lost time, lost money,many mistakes and lots of heartaches!

In this seminar:

  • You’ll learn strategies how to test your business opportunities—to see if they’re a winner or not.
  • You’ll learn how to spot problems of your potential business—and save yourself lost money and lost time.
  • You’ll define the “promise” behind your product. (A lot of entrepreneurs never define this and thus never grow their business.)
  • Entrepreneur Workshop 2014

    Entrepreneur Workshop 2014 was conducted by Dean Pax Lapid, Raju Mandyan, Armando Bartolome, Tes Dimaculangan, Carlo Calimon and other mentors. Bo Sanchez gave some inspirational remarks

    You’ll create a clear and focused execution of how to deliver that promise. This plan will give you direction.

  • You’ll get guidance on how to call your product in a way that customers can grasp in a snap, giving your product automatic recognition.
  • You’ll spot the possible markets that you can serve with your product.
  • You’ll learn how to solve customer problems and meet their needs better than your competitors.
  • You’ll learn how to calculate profit vis-à-vis your product costs and market sales.
  • You’ll learn how to create a simple business plan—not just for “show”—but a real honest-to-goodness plan that will guide you in your day-to-day business journey.

And now the best part: After 7 to 14 Days, applying all that you have learned, you can “launch” a “model” of your business (or product) before a panel of judges. (Note: Only if you’re ready. Obviously, we won’t force you to do this if you’re not ready.)

For details, go to TrulyRichClub Entrep Workshop


Truly Rich Club Wealth Summit

Get instantly actionable “how to” wisdom and receive solid inspiration from the TrulyRichClub’s biggest financial conference of the year :

Truly Rich Club Wealth Summit – Claim Your Financial Destiny

This will be held March 6 and 7 (Plus a Post-Summit Mentoring Day on March 8). These Could Be The Most Powerful 2 Days Of Your Life; Meet the Best Business and Investment Mentors In The Country; Get Into Our Biggest, Content-Rich, Wisdom-Filled, Energizing Financial Event Of The Year!

Imagine being surrounded by mentors, and the most success-oriented people in one room PLUS you will be taught by a powerhouse cast of speakers such as Bo Sanchez, Edward Lee and super entrepreneur Myrna Yao (Richwell) and other mentors.

You do not want to miss this amazing once-a-year event! For more information, visit

How to Make Millions in the Stock Market

My Maid Invests in the Stock Market

If Bo Sanchez’ maid can invest in the stock market, everyone can!

85% Of People Lose Money In The Stock Market

Be part of the 15% who earn money in the stock market, like Bo Sanchez’ maid, who now has P778,655 (January 2015) in her portfolio!

Question: Is the Stock Market like an Alien Monster to you?

And do you think that the Stock Market is for Billionaires only and not for regular human beings like yourself?

You’re not alone. A lot of people think that way.

Join the Truly Rich Club “banner” How to Make Millions in the Stock Market seminar that gives you the essential steps needed to start investing in the stock market — and create millions over time!

If you want to know how it is done step-by-step, join Bo Sanchez and Mike Vinas (editor of the Truly Rich Club’s Stock Market Updates newsletter) with special participation of the COL Financial’s chairman Edward Lee.

For more information, visit


Truly Rich Club Pinoy with Larry Gamboa

Dr. Larry Gambo, Real Estate Entrepreneur

Dr. Larry Gamboa, author of best-selling book “Think Rich Pinoy”

Join from my real estate mentor, and author of best selling book Think Rich Pinoy, Dr. Larry Gamboa in his flagship Think Rich Pinoy with Larry Gamboa seminar..

Learn from Larry Gamboa and his Think Rich Pinoy Team who have been buying and selling foreclosed real estate for years now in the Philippines! Yes it can be done. You don’t need to wait for a “recession” to buy property.

Get into passive income now! Get to learn
various Real Estate business models from Maves Angeles, Randy Manaloto and many others!

For more info, visit or email meann at

How to Make Your Dreams Come True

God has a dream for your life! Sometimes we are so wrapped up in our problems we forget we need to be dream-oriented.

How do you fullfil your dreams? Here are four things you need:

  1. Dream reminders. Surround yourself with dream reminders. What are the dreams that God wants me to fulfill.  Make a list of your dreams, get  it from your earlier lists to strengthen your mental picture of the dreams.  Create a dream board with pictures you cut out from magazines to visually show you your dreams, your dream house, dream car, dream vacation, your dream life.
  2. Dream mentors. Hang out with people who are already living your dreams and make them your mentors.
  3. Dream supporters. Hang out with people who will encourage you in your journey, who will tell you that you can do it! Do not hang out with people who do not believe in you and discourage you.
  4. Dream reasons. Surround yourself with reminders of reasons why you want your dreams to come true.

Let let Bo Sanchez, our The Preacher in Blue Jeans tell you how to make your dreams come true

Vehicles to Wealth

In Bo Sanchez’ signature TrulyRich Seminar, he relates the story:

If you want to go from Manila to Baguio:

  • You could walk 5 days to Baguio, with lots of stop overs at drinking and eating places.
  • You could ride a bike one day to Baguio
  • You could ride a car at night and reach Baguio in 5 hours
  • Or you could ride a plane and be in Baguio within an hour

There are many people who want to be wealthy.  But they are leisurely walking their way to wealth!

There are investment vehicles to wealth and they are available to all.  We just have to ride them!

Banks are terrific for the everyday working of life, for depositing, and withdrawing and payments, and for keeping our spending money and emergency money.  But if you keep your savings/investment money in a bank, you are like some one walking on their knees to Baguio!

Join the TrulyRichClub and discover reliable and safe wealth vehicles!




Top 3 Mistakes People Swamped In (Bad) Debt Have In Common

By Keng dela cruz

bad debt 1

Had met with a number of people asking for help how to go about their finances. Ok to be more specific, how to get out of their 6-digit-debts. Since I shared on one of my posts about helping a friend get out of her 2-year debt issues in 3 short months, it is usual that I get PMs and inquiries about how can they get out of their personal debt battles as well.

So I meet up or set-up a call with them and talk about it; others as far as Canada but mostly here in the Philippines. Some I know from way back younger years like elementary school days, some just recently – brave people who approached me and asked for directions.

How do we go about it? First, I will always ask if they feel comfortable talking about personal money issues on a very open level. Since I am a stranger to them, I am conscious that they might feel shy (nahihiya) or wants to keep things in private when it comes to money handling. Before engaging in the conversation, I make sure I explained the importance of honesty. For the simple reason that I wont be able to see where the money leak (problem) might be coming from and without knowing that, it will be difficult to assess the time duration of the way-out journey.

Summarizing, herbad debte are the top 3 mistakes people swamped in (bad) debt have in common:

1. They do not know (TRACK/MONITOR) their expenses. Their usual peg, “Money just goes through my hands” or “I don’t know where my money went”.

2. IMPROPER use and settlement of credit cards. Most people do not know that their credit card is requiring them to pay 3.5% per month, that is equal to whooping 52% in one year, compounded. You want to challenge? Try to use your credit card to buy “bananas” worth Php100 this month of Sep 2014. Don’t pay for it for 12 months and see how much your bill will be. At 3.5% interest charge, that is Php151.10 by Sep 2015, equivalent to 51% interest payment you have to settle.

With all honesty, I use my credit card for our monthly domestic necessities/expenses. But please take note: I pay the “whole” amount every month on or before due date so there is no penalty(interest) incurred. Why do I use credit card? For 3 basic reasons:

a. Convenience of one-time bill payment (I am all about schedules, saves a lot of time!)

b. Its easier to know (TRACK/MONITOR) what are my expenses (which is number 1 mistake mentioned above).

c. Takes advantage of of cash rebates (I love my Citibank cash back credit card so far).

There are other perks in properly using your credit card. Buying in installment, credible credit history, extremely emergency cases, online buying, cost of money, etc… But the keyword is “PROPER”. If you do not have the discipline, stay away from it. It can be your best friend or your worst enemy.

3. Not enough cash flow or simply said, living beyond their means. If you know how much you are earning, you know how much should go to your tithes, savings and necessities, then you know how much extra you have for spending. While I agree that you deserve to treat yourself, I also strongly suggest, you first look at your numbers. At the end of the day, it will all boil down to two choices: either you live BELOW your means or you EXPAND your means.

So far, most of the people I have talked to have either peace of mind since they passed through the challenge already or are still in the process of digging their own holes. Still they are happy because for the first time, they have seen light at the end of the long dark tunnel (the BAYGON for the creeping creature in their mind that keeps them awake at night).

Hey, we all deserve to have peace of mind and getting out and staying out of BAD DEBT is one happy state that can give you this prize!






Lost and Found – You are here!

by Keng dela Cruz

My ultimate winnings of yesterday? 2 things.
1. I started the day waking up beside my mom and dad; had a FULL good night sleep on THIER bed. NOT a usual thing for a 30+ lady with a family and kid of her own (hehehe).
2. I ended the day talking to a friend, solving her financial distress over credit card and budgeting issues. We were so blessed to have finalized her exit strategy from her debts and financial issues, and now looking forward to see what comes after.

And because I had so much blessings (if you know me by now), you know that means MORE TIPS for sharing!!! Kaya today, I wish to share with you a very basic GROUNDWORK if you want to fix your financial situation.

When you have a car and would want to go to a place unfamiliar to you, what will you do? (hehe, for the directionally-challenged people like me, I suggest) Go to waze, type your desired destination and NAVIGATE. But this will only work IF… you have TURNED ON your “location services”. This will show you 3 things.

  2. Which way to go.
  3. Your desired destination.

Same thing when you get lost in a mall; go to the maps of the mall directory. After checking what specific place you want to be, check your exact location showed as “YOU ARE HERE” markings.

Needless to say, it is important for us to know WHERE WE ARE to know where to start. This is also true in finances (and goals in life as well). If you don’t know, and wont give yourself the time to know where you stand, chances are it will be a DIFFICULT journey for you.

So the questioning begins, know 3 things.
What are your Assets, Liabilities and Net Worth?
(Big words? Accounting? Math? Kebs? WAPAKELS?)

Sorry to break it to you friends, these are the language of the financially literate people. If you want to get ahead financially, no other way but to know these terms. Don’t worry, I will try my best to explain in the grade 5 level, since my son is in Grade 5.

  1. Asset – something that PUTS money in your pocket
    In tagalog — DAGDAG PERA SA BULSA.
    (Thank you RK for making this SO EASY to understand!)

  2. Liabilities – something that TAKES AWAY money from your pocket.
    In tagalog — BAWAS PERA SA BULSA.

  3. Net Worth – Assets MINUS Liabilities (real measure of wealth)
    In tagalog — DAGDAG BAWAS, hahahaha!

Its so simple right? Go ahead, open your excel files and start breaking down your assets and liabilities then check what is left on your NET WORTH.

After all, ever since we were kids, our teachers always taught us that the FIRST step to SCIENTIFICALLY solve the problem is???

STATE THE PROBLEM – Because a problem can’t be solved if it isn’t understood.

Have a wonderful Morning to everyone!
Let the blessings pour down to you after ACCEPTING the reality and TAKING ACTION take hold of your life!



you are here


Change fully like a BUTTERFLY!

by Keng dela Cruz

A couple of great chapters in my life has been NEARING its closures, YET bountiful new chapters before me were OPENED already. I cannot agree more to the saying, “What the caterpillar calls the END of the world, the Master calls a BUTTERFLY.”

I remember a story of my good friend of a not so distant past (lets call her Ann). During the time, Ann was longing to take her MBA in a prestigious school (di ko sasabihing Ateneo yun ha, para hindi nyo alam, hehe). Dahil si Ann was a fairly good candidate in terms of performance and reliability sa office, she discussed w her boss her intentions and asked to consider her if there was an opening to take MBA. For 3 long years, she was told “Yes pwede, but there are still seniors who needs to be prioritized.” Faithfully she waited, did her job well and WAITED. Until one day, she was called by the boss and was OFFERED the promise. She was finally granted her request (wuhuuu!) and now going to take her MBA – all expense paid.

So happy her heart was, she encouraged her best friend (lets call her Coleen), who was “lost” at the time, to take the MBA w her. Since si Coleen ay may ‘PINAGDADAANAN” at lost ang peg, doubtful sya. Pagtapos ng maraming pilitan (to the point that Ann offered to pay half of the tuition fees), napa-OO din si Coleen to take their MBA ng sabay.

When all things were set already for the best friends, the DARK clouds ARRIVED! Last minute, sabi ng boss ni Ann, “di ka pa pala pwede this year mag-take ng MBA kase blah blah blah…” For all the reasons being explained, nothing was heard. Aside from the pain in Ann’s heart, she has to address Coleen’s reaction to the UNEXPECTED news. How in the world was Coleen going to take the news? Pagtapos nyang pilitin na mag-MBA, biglang sya yung di pwede? Pano na?

With time working against Ann, she just dropped the bomb to Coleen. Coleen took the news HEAVILY pero wala ng usapan; continued her MBA by herself and left Ann. Masakit? Oo naman, dramarama moments ni Ann yun.

Months passed, Coleen and Ann still met each other regularly, Coleen updating Ann her new adventures in the MBA world. While Ann happily listens to her, she decided, she will also study — on her own. So she bought a lot of books – business and finance-related and started reading them. She also put them into practice and started businesses that eventually lead her to real-life teachers. She failed too (a lot, if I may add) and had her REAL CASH LOSSES in between.

Two years after, Coleen graduated from her MBA and Ann was very HAPPY and PROUD of her and her accomplishments! Ann could not be any happier; she was able to PUSH her best friend achieve SO MUCH! As for Ann, she has her own winnings as well. She had her businesses running and still in the process of learning because she knows, there is NO graduation in the course she took.

Ang pinaka-nakaka “ALIW” sa lahat, Ann was OFFERED the MBA-grant by her boss, AGAIN. Pero this time, Ann politely declined, kase blah blah blah…

In life, we are all striving for BALANCE. Ralph Waldo Emerson referred to it as the “Law of Compensation.” Pwedeng frustrated ka, or sad because of a loss, or disappointed for some reason. During these times, you can immediately search for the counterbalancing POSITIVE ACTION to it.

This is a flawless UNIVERSAL LAW: an OPPOSITE condition must emerge to OFFSET the initial condition. Pwedeng hidden or obvious, BUT IT IS THERE. Creatively SEEK OUT the new direction that will EMPOWER you in a way unlike ever before.

Kaya smile ka na and keep in mind, “When God closes a door, somewhere he opens a window.”

or… isa ka ng BUTTERFLY!


What does it mean to be WEALTHY?

by Keng dela Cruz

After the SUCCESSFUL meeting I had yesterday, catch up with good old friend and PM messages I am getting about difference of being DEBT-FREE and FINANCIALLY FREE, I formally DECLARE, I had a very fulfilling and jam-packed day! VERY BLESSED – yan na ang MIDDLE NAME ko ngayon!

My MENTORS always emphasize that the “attitude of gratitude” is an IMPORTANT key to attract the UNENDING abundance of blessings in this world. And they are ABSOLUTELY right. Because of that, I will serve and pay it FORWARD by sharing more life-changing TIPS in life that CAN help you as well.

What does it mean to be WEALTHY?
Can you tell if a person is rich by just looking at him? Well, pwede…

Most people, pag sinabing mayaman, eto ang picture that comes into their mind:
1. May panalong bahay at lupa sa exclusive subdivision (yehey!)
2. May magara at magandang kotse (sports car, why not?!).
3. Di tatak at mahal ang damit pati mga relo and alahas (christmas tree?)
4. Sa Michelin-recognized restaurants kumakain (masarap kaya!)
5. Bakasyonista (hehe, pila tayo dito!)
6. Elitista, powerful at sikat ang palaging taong kasama (who’s who in the society!)
7. Naliligo sa bath tub, hindi sa BAT TAB – (BATyang may TABo; hahaha, maisingit lang!- credits to our lovable Coach GM!)

Yeap, mayaman nga most of the time ang taong would fall under these categories, but NOT ALL of them are. Why? Kase some of them could be FINANCIALLY DISTRESSED, just like many ORDINARY Pinoys.

Wanna know 2 NAKED TRUTHS? Here goes (kapit sa upuan please!)…
1. Maraming mukang mayaman pero HIRAP din pala tulad ng karamihan (hehe, credit card galore!!)
2. Marami din CAN AFFORD to have extravagant lifestyles kase maganda ang sweldo or negosyo (pero pag nawalan ng work or their business fails, PALIT lifestyle ang peg).

Lets face it friends, these people are NOT YET rich or wealthy.
Kaya nga, bago ang lahat, let us DEFINE first what does “TRULY RICH and WEALTHY” mean?

WEALTHY defined: If you can continue to live your DESIRED lifestyle COMFORTABLY even if you NEVER WORK for another day again.

Yeap, I am happy to tell you, you are truly rich and wealthy if you have FINANCIAL PEACE OF MIND.

Not anymore 3 months away from bankruptcy.
No more consolidation of funds for payment of outrageous monthly credit card bills.
No more limits on giving to your favorite charity.
No more WORRIES about scarcity of money.

Ang saya saya diba? Ang the BEST NEWS is, so many people have gotten this peace of mind already. And the path is SO DOABLE. Yeap it may not be easy, but it is DOABLE.

Because of that, may I quote the famous Zig Ziglar,
“Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.”

Have a BLESSED day ahead everyone!
Dreams do come true — if you WANT TO!