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!

#magnetAkoNgSwerte
#itsallaboutperspective
#breakthroughhuggingmenow
#askmehowIdobusiness

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!

#magnetAkoNgSwerte
#itsallaboutperspective
#breakthroughhuggingmenow
#askmehowIdobusiness

 

Still “No Savings” even when working for the longest time? Know the reason WHY?!

By Keng dela Cruz

Wuhuu!! Ako na talaga ang SWERTE!!! Another business LEAP and more blessings are pouring down. I am still in AWE, how friends, OLD and NEW just approach me and wants to be w me in this JOURNEY for the simply TRUSTING me in what I am doing! Its so much fun learning and EARNING at the same time. Heaven’s BLESSINGS FLOODGATE has been opened, and I am basking in its abundance. The best part? All the people who trusted me are CELEBRATING w so much JOY in our hearts! WUHUUUU!!!! I LOVE IT!!!

For all of these blessings, PLUS your big trust, please allow me to share TIPS on how to BUILD your WEALTH sa kahit anong INCOME RANGE. Yeap, 4, 5 or 6 digits man ang laman ng payslip mo, pwede kang maging 7 digit KEEPER. Fin lit basics (financial literacy) ang tawag dun kaya KEEP yourself INFORMED.

Facts:

  1. 1 out of 10 Pinoys make an effort to save (are you one of them?)
  2. Average Pinoy’s savings is good for only 9 weeks (a little over 2 months away from bankruptcy, ikaw ba yun?). If you get laid off, sick or have an accident (knock on the wood) and unable to work, how far can you go? Take note, what i am referring to are people w average income of Php30,000 ha, so imagine people living on the lower income bracket.
  3. MOST people have endless EXCUSES to justify they don’t savings, hehe. Believe me, their population is BIGGER than the SOLAR SYSTEM!!!

So what’s the MOST BASIC STEP to start going for that 7-digit IPON (liquidity)?
UNDERSTAND these BARRIERS and TAKE ACTION to overcome them.
Then MOVE TOWARDS your pinaka-AASAM na Financial Freedom.

Below are TOP 9 obstacles for your understanding and CONQUERING!

  • 1. Kulang ang sweldo (income shortage)  - “kulang pa nga sa gastos ko everyday yung sweldo ko KENG!”

Hehe ok fine, I hear you loud and clear. My 2-cents-worth-of-thought, we are all born with a BRAIN so intelligent and CREATIVE. And you can use that to increase your MEANS. Try to STOP making excuses and BEING LAZY, then RISE above POVERTY. Being POOR is a STATE of MIND, not status.

  • 2. Galit sa PERA (Poor Spending mannerisms) – Pinoys have VERY POOR spending habits, need i say more? Nasan ka pag SUSPENDED ang pasok at WALANG KURYENTE or ILAN sa 54 weekends ng isang taon mo ay spent in SM? (may attendance sheet ka?) To buy a new bag, shirt, or shoes EVEN IF the last piece you bought was sitting comfortably in your cabinet for the last 2 years, WORN only ONCE or TWICE. (Guilty?)

Hard truth: People are mad with their PESO bills. They HAVE to spend them all off once they have it in their hands. And what’s worse, some even spend what THEY dont have YET using the magical plastic called CREDIT CARD.

All of us are CAPABLE of saving (i would want to use INVESTING but for beginners, i would stick with the basics). Saving and building your wealth is NOT a question of HOW MUCH you are earning, its how much you are KEEPING (and growing).

  • 3. Walang Pasensya (Lack of patience) – kung may nabibili lang sa MERCURY DRUG ng PASENSYA, mag hoard at overdose ka na! Most Pinoys have so short supply of patience on almost all things. All the more, when it comes to saving and growing money. They want to get rich QUICK, di inaaalam mga business dealings and don’t check the credibility of the people they partner with.

Sama na natin ang mga gamblers who are putting their fate on LUCK. Try mo bilangin nakapila sa LOTTO linggo linggo. Kung alam lang nila, may sure way to get their millions by just KNOWING how.

  • 4. “Tsaka na” Style (manana habit – take note, HINDI hakuna matata, hehe parang nag eenjoy ako masyado dito noh? ikaw din?)

Ikaw na ang may perennial “Mamaya na” ang peg. “I want to save Keng, pano ba yan? OR I want to do stocks, I dont know how” (familiar?). Then si Keng, super excited to share how to do it, like SPOON FEEDING. Then it STOPS there. Sayang kase all the knowledge just goes SLEEP MODE inside your precious BRAIN. If only I can literally PULL YOU sa PSE para mag enroll and start your INVESTMENTS, I would do it. You don’t know what you are missing when you say MAMAYA NA. I cannot overemphasize the fact that “TIME is of the ESSENCE”. Cliche, but really, 95% of the people who gets a wake up call says, “SANA dati ko pa alam”. Well, now that you KNOW, I do really pray you DO something about it.

  • 5. “Bahala na” Style (mas matindi to, “KEBER” ang peg!)

We do not get wealthy by ACCIDENT. We STUDY, PLAN and SET ASIDE funds monthly, CONSISTENTLY to make it HAPPEN. It is a deliberate ACT. Your financial future is your RESPONSIBILITY, no one else’s. So please please please, take hold of it and ENSURE to make it BRIGHT ONE.

  • 6. “Ayokong yumaman” Attitude (ito ang dapat BIGYAN ng AWARD! – bigyan ng JACKET yan!)

Really, need I say more? We meet people everyday with this kind of attitude. I don’t really understand if its because they lack self-confidence that they don’t believe they can be wealthy if they want to. Or they simply just want to live a life in scarcity. Or they dont want to try getting wealthier because it scares them to fail.

  • 7. “Resign na ako!” or “This is it!” Attitude – Pinoy families are very close in nature. We are told, we think the same way with the people who surround us, same sentiments, same attitude. As the saying goes, “Birds of the same feather flock together.” Reality check lang, did you ever see a MAYA (yes yung brown na maliit na bird) together with a DOVE?

Growing up in a LESS fortunate community seems to prevent most people from doing something to make their financial state BETTER. Although they DREAM for a better life, they don’t have the DESIRE to go for it. This is very sad and the culprit is none other than their LIMITING BELIEFS. Mind you, this is DEADLY! Again for the simple reason that being POOR is a STATE of MIND, it is NOT a status. Still, for some, its an end-all scenario, as if it’s a GIVEN already that they were born poor and die poor.

  • 8. The curse of FAILING TO PLAN – If you are parents already, please listen closely. This is harsh but I have to break it guys, kaya hold on to your seats.

Parents who failed to plan for their own financial security – sooner or later, you will depend and PRESSURE your children to give you FINANCIAL SUPPORT. Not to mention demand that they take care of the education among many other concerns and needs of their other siblings. Seriously, these demands AFFECT SO MUCH the capacity of a person to save for his own future.

You are NOT special in this case, whoever you are feeling HURT while reading this. Marami tayo, and the point is, we CAN stop the CURSE!!! We can make SMALL steps to financial freedom. And for BIG DREAMERS, these small steps can become GIANT STEPS in time, with the right guidance and education.

  • 9. Low Fin IQ – Citibank survey confirms that we Pinoys have low Financial IQ. Sorry, that is a VERY STRONG statement. Oo, kahit summa cum laude ka pa, or doctor or lawyer or engineer like me (except kung business-minded ang family mo), most of Pinoy’s have low financial IQ. Samahan mo pa ng pride of “AKNY attitude (alam ko na yan!), it is really DEADLY.

We all have started from not knowing all of these things. Kaya naman, at every opportunity, please please PLEASE educate yourself in FINANCIAL MANAGEMENT. There are lots of people who are willing to help, attend seminars (like kerygma conference) or financial literacy workshops. Read books, surf the net or ask people who are doing stocks or mutual funds and businesses – why are they doing it, and how? Stick to these kind of people and be totally SHOCKED how workable it can be. Promise, di yan gastos friend, INVESTMENT yan sa sarili mo!

Let me borrow this from a MENTOR when I say “Learning about personal finance does not require a college degree and you DON’T have to be an expert on the subject to become WEALTHY.” At the end of the day, if a person DOES NOT WANT to get wealthy, then he WON’T. Again, being POOR is a STATE of mind and allow me to remind you, it’s so easy TO BE poor, but it’s so difficult to LIVE as one.

Yeap, you can be a 7-digit keeper if you want to. And if you do well in your learnings, the possibilities of ADDING more zeroes in your account is TOTALLY possible.
As the famous Lao Tzu said, “The journey to a THOUSAND miles starts with a SINGLE (deliberate) STEP.

Life is all beauty if your EYES are opened to see its BEAUTY.
What does it take to open your eyes? COURAGE to know the truth and ACTION make things in your life change.

For me? Like a snowball that rolls, it all STARTED small, and has gone BIGGER and BIGGER. This is how I describe the BLESSINGS that has been RUSHING into my life. At first, I thought it was just a FLASH flood, but you know what? God’s ABUNDANCE does not run DRY.

The gameball is YOURS. It has always been.
Take the first STEP, its worth HUGE and HEAPS.
Have a very wonderful day!

 

#magnetAkoNgSwerte
#itsallaboutperspective
#breakthroughhuggingmenow
#askmehowIdobusiness

http://bosanchezmembers.com/amember/go.php?r=32329

How I helped my friend solve her 2-year debt in 3 months!

by Keng dela Cruz

Many people ask me how did I help my friend resolve her 2-year debt problem in 3 months. I said its simple.

  1. I asked how much she is earning.

  2. I asked and WROTE down all her expenses per month according to her. The food, electicity, water, baon, transpo, etc.
    By doing this, i now know her lifestyle.

  3. I computed how much falls under the wants and how much falls under the needs.

  4. I proposed a new budget allocation, showing her the target monthly amount allotted for PAYMENT FOR DEBT.

  5. I walked w her journey by literally requiring her to report to me her daily expenses.

  6. I congratulate her every month of our little success.

And voila! We were fully paid after 3 months.

Simple lang diba? Kung kaya nya, kaya nating lahat! You are entitled to be free!
 

#magnetAkoNgSwerte

#itsallaboutperspective

#breakthroughhuggingmenow

#askmehowIdobusiness

OLYMPUS DIGITAL CAMERA

Photo credits:http://500px.com/…/25245595/blue-mountains-by-andor-auber

 

 

 

Paano Nga Ba Gumawa ng Pera?

Book Review.

Ito ang isinulat ni Bo Sanchez sa kanyang libro “8 Habits Ng Masayang Milyonaryo

Simple lang ang sagot niya:  Know the habits of creating wealth.

Years ago, may nakilala si Bo Sanchez na mga tunay na mayayaman. Hindi lang sila mayaman sa pera. Mayaman din sila sa sa pag-ibig at pag-mamahal. Kahanga-hanga silang mga tao.

Siempre, napatanong si Bo, “Bakit ba sila mayaman?

Ginusto niyang malaman ang mga sikreto nila.  Kaya inobserbahan niya ang mga mayayamang kaibigan niya. Kinausap.  Ini-interview. Pinakinggan. Pinag-aralan.

Nalaman niya na may iba-iba silang set of habits.  Simple rin pala!

Paano Nga Ba Yumaman?

Ginusto niyang malaman ang mga sikreto mg kanyang mayayamang kaibigan. Kaya inobserbahan niya sila. Kinausap. Ini-interview. Pinakinggan. Pinag-aralan. Simple lang pala ang sikreto nila!

At ginaya ni Bo ang mga powerful habits na ito.  Mula sa pagiging mahirap na misyonero, ngayon ay isa na siyang milyonaryo na may  maraming small businesses, pero 10% lang ng oras niya ang ibinibigay niya sa mga ito.

Dahil naka-auto-pilot ang lahat ng negosyo niya, karamihan ng oras niya ay para pa rin sa ministry niya.

Sa librong ito, matututunan mo ang “8 Habits ng Masayang Milyonaryo”, gaya nang…

  • Finding your Emotional Hunger
  • Lagi Kang Maging Agresibo
  • Gumawa ka ng Money Machines
  • Sticking to your Game

Kapag nakuha mo ang kagawian na ito, makikita mong magiging automatic ang wealth creation. Spontaneous. Systematic. Effortless. Fun!

Basahin mo ang librong ito and change your life forever!

Mabibili mo ang “8 Habits ng Masayang Milyonaryo” at ibank mga libro ni Bo Sanchez sa maski anong National Book Store, or online sa Shepherd’s Voice Publication, or sa KabayanCentral.com.  Maari ring mabili ito sa PICC tuwing Linggo, sa labas ng mga venues para sa The Feast @ PICC.

Kung nais mong mag-aral ng Financial Education, maaring magsimula sa isang FREE Financial Coaching Seminar sa Makati

Billionaire Richard Branson’s Secret is Truly Rich Secret

My friends keep on asking me why I joined the TrulyRichClub and what it means to be truly rich.  I tell them I am not (yet) financially rich, but I consider myself truly rich.

Today, I chanced upon this YouTube video featuring Bo Sanchez, our Favorite Preacher in Blue Jeans, and he relates the secret of billionaire Richard Branson to becoming rich, and I realized it is also the secret to be Truly Rich.

Who is Richard Branson?

Sir Richard Charles Nicholas Branson (born 18 July 1950) is an English business magnate and investor. He is best known as the founder of Virgin Group, which comprises more than 400 companies. (source: Wikipedia )

Richard Branson says if you aim for wealth, there are two possibilities:

  • you become poor
  • you become wealthy, but it won’t last because the other areas of your life become very poor and will pull down wealth as well

So what is his big secret? Are you sitting down?  Richard Branson says:

“If you to want to become wealthy,
don’t try to become wealthy”

But I am not a very good explainer.  Let’s just watch Bo Sanchez in YouTube:

In summary, Bo Sanchez recommends:

Enjoy life to the fullest
Experience all the blessings of God
Say Yes! to life, and say Yes! to all God’s blessing
Say Yes! to joy, say Yes! to happiness
Give your life to life and give your life to other people
All the blessings of God will follow, including money, including wealth

Join the Truly Rich Club and enjoy your journey to true wealth!

 

 

 

Why I Subscribed to the Truly Rich Club and Why You Should Too

I joined the Truly Rich Club after I bought Bo Sanchez’ book, My Maid Invests in the Stock Market at National Book Store. I have been stock trading occasionally for many years, experienced the bear market in 2007-2008, and remembered how I agonized over stock picks every time I had cash to invest. I figured I wanted to know how the Club makes its stock picks, so I figured “Let’s give it a try!”

I quickly learned that the Club stock picks are pretty easy to deduce once you enroll in online stock trading platforms, like Col Financial (a.k.a CitiSecOnline until a year or two ago). But I also learned the Truly Rich Club is more than just a source of stock picks.

Friends, I joined the Truly Rich Club for stock picks, but I realized it is just one of the numerous benefits of membership, and numerous reason why one would want to be a member.

There are also events like Wealth Summit 2014.  I can also cite specific things I learned, like:

Perhaps the only “disadvantage” to being a member is the monthly membership fee. For the Gold member this is P497 per month.

But there are simply too many blessing ( at least for me ) that I can’t help but gush with enthusiasm when telling friends ( and readers of this blog ) about my experiences as a Truly Rich Club member. Some of them enrolled in the club using my affiliate link. When people enroll in the club using MY affiliate link, then 20% of all their payments, EVERY MONTH, is credited as my commission. So if am a Gold Member, and I have ONLY FIVE friends who enroll at the lowest membership level (Gold) though my affiliate link, my monthly commission will be equal to my monthly membership fee! To make a long short, I’ve been simply telling people how happy I am, but there are some lucky days like March 1, 2014, when I see payments like:

For Gold – International, xxx paid: 997.00, commission: 199.40, level 1
For SuperGold – Philippines, xxx paid: 997.00, commission: 199.40, level 1
For Gold – Philippines, xxx paid: 497.00, commission: 99.40, level 1
For Gold – International xxx, paid: 997.00, commission: 199.40, level 1

On March 1, 2014, the first day of this month, four of my affiliates paid their fees, and I earned P697.60, more than a Gold Membership monthly fee. So where’s the disadvantage?

I joined the Truly Rich Club expecting stocks picks for a small monthly membership fee.  Today I get stock picks, audio/video educational materials that teach me to be a happier, truly rich person, and many other benefits (did I mention I also receive a daily email signed by “God” ?  And the Club even pays me to enjoy the membership!

These are the reasons why I subscribed to the Truly Rich Club and why you should subscribe too!

Related Story:

Why did I write this article?

Occasionally, I try to Google the term “trulyrichclub” and a few times, I saw  this entry for “Why I UNSUBSCRIBED to the truly rich club and why you should too

I seem to remember clicking on that entry, and landing in a page where the author basically said it was just a waste of money, similar to insisting on paying tuition after graduating from college. The page also contained links to posts/articles like:

  • why you should give up your broker and switch to Col Financial
  • why you should not follow any list of recommendations, including mine
  • why I stopped diversifying and why you should too
  • why I do not recommend peso cost averaging to the beginner.

At the time, I thought THAT article was a bit toxic and full of negative vibes. Maybe the intent is to be controversial and disagree with everything, perhaps to get Internet search traffic?

The article did have some links to other articles highlighting the growth of the blogger’s stock portfolio ( 40 to 50% in a short span on time).

I remember thinking how much I disagreed with the remark saying paying the monthly fees is similar to paying tuition after graduating from college.  I thought the remark was equivalent to saying you should get a tuition fee refund after getting the calculus text book on the first day of college, because you already have the material you wish to study.  Maybe that blogger could find lots of people who could pass college calculus by just reading the book without attending classes.

I also remember chuckling at his proud claim of earning 40 to 50% in the stock market.  In a bull market it is easy to make money.  In the bull market after the 2007-2008 crash, I remember buying some stocks at P 0.60/share , and watch it soar to P1.10, then P1.20.  I sold the stocks for P1.30/share, earning more than 110%.   But I felt so ashamed making 110% because I sold for P1.30, since that issue just marched on to P 1.50, P1.70 and past P 2.20.  It has been merrily seesawing for several years, and today the issue is about P 4.00/share.

Anyway,  I thought anybody who lands on the page will find the material so incredible nobody will believe him.

So why did I write this article?

This evening, I tried to Google the term “trulyrichclub” and a still I saw  the same entry.  This time, the URL was no longer clickable and I got a message from blogger.com that access to that URL is not possible.  This means people will still see the title “Why I UNSUBSCRIBED to the truly rich club and why you should too” but never see the page.

I hope that  Google will rank this page “Why I SUBSCRIBED to the Truly Rich Club and Why You Should Too” higher in search page ranking, than that other article.

Let me quickly count some reasons why:

  • the inspiring and thought-provoking Power Talks audio recordings (members get at least one every 15 days) turn my drive to/from work into learning sessions
  • the PowerTalks frequently include “The Feast Declaration” and I am simply energized whenever I hear “I open myself to the unbounded, limitless, overflowing abundance of God’s Universe
  • I receive daily inspirational messages “God Whispers” signed “God”

    February 25, 2014

    Dear Roberto,

    Quit expecting happiness to happen to you. Happiness happens because you choose it.

    Happily yours,

    God

    P.S. Roberto, don’t let outside circumstances dictate your mood. Take control and choose to be happy!

  • I am reminded daily and I frequently experience first-hand Bo Sanchez’ conspiracy theory that God and the Universe are conspiring to bring me blessings
  • I learned “stress free stock investing” by simply following the recommendations in the Stocks Update newsletter
  • I read business articles in the Wealth Strategies newsletter
  • I get thousands of pesos in affiliate revenue every month, much more than what I pay for (my monthly Diamond membership fee is P 1,997 )

Need I say more?

Wealth Summit 2014

Wealth Summit 2014 – Let’s Go To Work!

After the first two days of the Truly Rich Club’s Wealth Summit 2014, we were all so hyped up I just felt I had to share my thoughts with everybody. Bo Sanchez led us and asked us to raise our hard hats, commit to build our financial fortresses, and declare on February 28, 2014, that “Today, we go to work! Today, we make our first step to reach our goals!”

This Wealth Summit 2014 was so much fun for me, as I was joined by my wife, brother and niece (wife and brother in the picture, niece took the picture ). How inspiring was this Wealth Summit? They were pre-selling tickets for NEXT YEAR’s Wealth Summit 2015, and I joined a long line of people clamoring for these tickets! Join me next year, March 6 – 7, 2015 for Wealth Summit 2015!

But what about this Wealth Summit 2014?

Build your Financial Fortress

God’s Complete Blueprint of Success

Superheroes of Abundance – Wealth Summit 2013 last year was so awesome and inspiring I thought it would be difficult to match, but this year’s Wealth Summit was a blast!

My head was swirling with ideas and thoughts, let me just list some rambling notes, which I hope to finetune someday :-)

Brother Bo Sanchez was the first featured speaker, and he talked about the two wolves that eat up your finances:

  • INFLATION, which nibbles slowly but steadily at your savings everyday, at the rate of 3 to 4% per annum, and
  • IGNORANCE, which may lead you to make disastrous financial mistakes that wipe out everything and bury you in debt.

He also talked about the three pigs. People who build their lives on debt are like the first pig who built his house with straws. The house falls with the slightest gust of wind. People who depend on only one source of income and do not save (e.g. single breadwinner, employee ) are like the second pig who built his house with sticks. One serious event can make the house fall. People who build their house with dynamism and who are always learning, growing, and expanding are like the pig who built his house with stone. They survive crisis after crisis, serve others and bless the world with their gifts and the universe rewards the with money and blessing.

AiAi Delas Alas appeared and entertained the crowd with her stories of hardship and difficulties during her younger days, and emphasized the value of perseverance/persistence in achieving incredible success.

Cecilio Kwok Pedro, CEO of Lamoiyan Corporation taught us how to fight the GIANTS. He started by asking us if we were “Happy?” so naturally everybody shouted YES! Then turned it to a joke and asked “Not Colgate?” Mr. Pedro talked about how Lamoiyan Corporation launched Happy Toothpaste and competed with huge competitors and battled seemingly insurmountable challenges. He talked about his employing persons with disabilities turned into an advantage, since they were more focused in their jobs.

We’ve all heard of the Bo Sanchez’ maid who invested in the stock market, but how many have heard of Edward Lee‘s experiment with his driver Gildo? Edward Lee, Chairman of COL Financial said he told his driver that if Gildo will invest P2,000/month in the stock market using the Truly Rich Club Stock Averaging Method and stock picks, Edward will match it with another P2,000 (or P4,000/month in investible funds). Gildo started in July 2011, investing P3,000 to P5,000/mo for 31 months. He started buying BPI every month beginning in July 2011, switched everything to Meralco in January 2013 (and buying Meralco every month). In June 2013, he switched everything to Megaworld and bought Megaworld every month. After putting in approximately P132,000, by Feb 26, 2014, his portfolio was worth P240,720.

Gildo earned closed to P110k in 30 months! ( Disclaimer: this is not a guaranteed result, but his buying and selling were done following the TRC strategy of regularly buying below “buy-below” price, and selling when reaching “target-price” ). The results are much better than expected, but spectacularly illustrate the “Turtles Always Win Blueprint” of stock investing.

Edmund Lee, President of Caylum Trading Institute showed the “Rabbits Can Win Too Blueprint” as he explained the day trading side of the business. While stock day trading can potentially earn much more than stock investing, it is much more difficult and exciting. Traders sometime stay out of the market vs stock investors who just keep on buying.

Johnlu Kua, Chairman and Owner of French Baker entertained us with his “Magic of Uniqueness Blueprint” as he related how he differentiated himself by being the very best French Baker, specializing in quality and delicious breads ( not cakes ).

Dr. Larry Gamboa, real-estate guru and best selling author of Think Rich Pinoy, led a discussion with Sha Nacino and Aileen Santos, not about real-estate, but about “Money out of Thin Air Blueprint” or monetizing ideas by writing books, public speaking, training, seminars and online selling.

Noel Arandilla and Joen de las Pinas deciphered insurance and explained concepts in very simple layman terms, then taught us to solve one of life’s greatest mysteries: how much insurance should one get? They proceed to advise us that the cheapest is term insurance. They cite the ironic fact that many people spend more on car insurance than life insurance.

We listened to Randy Manaloto as he narrated the story of how he found a dilapidated piece of property in Makati, and converted it to a money machine. We were then inspired by the story of Maves Angeles‘ journey from being an NPA (no-permanent-address) informal settler hounded daily by threats of demolition and ejection, to the being a homeowner securely sleeping in her own bed, to being a property developer helping people achieve their dreams. ( Maves Angeles was my second favorite speaker, next only to Rex Mendoza )

Marco Victoria declared that one can sell anything on the Internet and using creativity, do viral marketing for free. Marco makes shoes and sells them online. He also sells cars! ( I have to make my friends in KabayanCentral.com talk to Marco! ) Jay Castillo related his passion of blogging about his personal education in real estate turned his flagship website ForeclosurePhilippines.com into a money machine

Paulo Abadesco gave a technical presentation on how non-techies can create their online presence by using pre-built tools for ecommerce.

Jomar Hilario, Internet Marketing Guru, started the “Work from Home Blueprint” by asking “Who is Jomar Hilario?” then proceeded to interview people he helped become Virtual Assistants, work from home, earn dollars (like OFWs, but from home), and spend more time with their families.

Dean Pax Lapid led a panel of fellow serial entrepreneurs, like Jun Toreja of Toreja’s Construction and Supply Corporation and Ronnie Siasoyco of Trion to discuss the “Create your Army of Businesses Blueprint“. Ronnie is probably the most techie accountant-by-training entrepreneur in the world ( he designed the modern digital electric meters installed in most new houses ) .

My favorite presenter was Rex Mendoza, CEO and President of Philamlife, and numerous other ventures. He is a brilliant speaker who always deliver his lectures with such fire and passion one wonders if he is berating his captive audience, or simply exhorting them to achieve greater heights. He talked about experiencing a breakthrough in our jobs/business via the “World Class Mindset Blueprint“. He introduced basic concepts and explained them in very simple terms. Brilliant, inspiring, hilarious… ( I’m running out of adjectives ). Mr. Rex Mendoza is my financial superhero!

All throughout the event, we were assisted by super friendly ushers in white hard hats and construction worker attire. We were energized by joyful worship led by preachers and a world-class band. Have you ever been to a financial seminar with hosts and audience jumping up and down with joy while singing praises to the Lord? I was particularly amused when during one of the prayers, Mike Vinas used “after the ROE’s (return on equity) and ROI’s ( return on investment )” and “praise the Lord” in the same sentence.

Friends, I hope you also Join the Truly Rich Club and like me, be blessed and inspired!

I am a Diamond member seriously considering moving up the ladder to Platinum member. ( but that is the subject of a future post )

Successful Speakers

Learn to be a Great Speaker!

Yes, You Can LEARN To Be A Great Speaker.

Do you feel stage fright?
Do you lack confidence on stage?
Do you feel a lack of connection with your audience?
Do you want to actually enjoy speaking in front of large audiences?
Do you want your audience to actually enjoy hearing you speak?

Friends, you can be a successful speaker. Like Bo Sanchez, one of the Philippines’ most successful, sought after speaker and retreat-master. Like Arun Gogna one of the country’s funniest speakers.

How? By LEARNING to be one. You don’t have to be a born speaker. You can actually GROW to become better and better everyday.

Bo Sanchez founded the SuccessSpeakersClub to help members reach their full potential as successful speakers. But I am a poor substitute as an advocate for the club.

I’ll let Bo Sanchez Tell you how to join the SuccessSpeakers’ Club

Learn the 14 Blueprints for Success at the Wealth Summit 2014.

I will attend the Wealth Summit 2014

I just received the invitation to attend the Wealth Summit 2014, and I am soooooooo excited to register and look forward to learning the many blueprints to riches and success!  I am particularly hyped to learn the “Money out of thin air” and “Double your sales” blueprints.

I first attended the Wealth Summit in 2013 which opened up my eyes and energized me to start acting and learning.

I’ve been in the computer industry for many years as a software developer/manager specializing in business intelligence and enterprise reporting systems, and on the side, tried many ways to improve my financial situation. I’ve had some modest success in real estate, stock market and internet marketing, but I have not achieved financial security. I was constantly asking myself if I can weather possible dreaded events:

  • will I have enough money to pay for health emergencies involving me, my wife and kids? My mother, brothers and sisters? My in-laws?
  • will my family be provided for if I pass away soon?
  • will I have enough to sustain my kids through college?
  • will I have enough to sustain me and my wife through retirement? ( and we plan to live a happy and healthy life with our family and friends till we’re at least 100 )

And in the meantime, can I be generous enough to adequately provide for my family while helping all the people I love including friends in our extended family/community, with available financial resources? In this context, it feels like one can never get rich enough to do all the generous things you want to do.

So I will continue to study, and learn, and work and next year, I will learn the 14 blueprints in the Wealth Summit 2014:

Will you join me at the Wealth Summit 2014 on Feb 28, 2014 to March 2, 2014?

  1. What does it take to reach the TOP of your field?
    Let Comedy Queen Ai-ai delas Alas tell you about “Over-The-Top Performance Blueprint” . which enabled her to become one of the highest paid Actresses in the country today.
  2. How do you DEFEAT financial mediocrity forever?
    Let Bo Sanchez, Founder of TrulyRichClub) teach you “God’s Complete Blueprint of Success” .
  3. How do you FIGHT Giants?
    Let Cecilio Kwok Pedro, Chairman of Lamoiyan Corporation share with you the “Faith For Success Blueprint.”  Lamoiyan Corporation, makers of Hapee Toothpaste, now exports to numerous countries, including Russia, Middle East, Papua New Guinea, Vietnam, and Hong Kong.
  4. How can you DIFFERENTIATE yourself towards success?
    Johnlu Koa, Chairman and Owner of French Baker, will teach you the “Magic Of Uniqueness Blueprint” for your business or product, and how he applied it to grow his business from a small bakery to 45 branches in the country today.
  5. Do you want to WIN in the Stock Market?
    Edward Lee, Chairman of the Board of COLFinancial, often called the “Warren Buffet of the Philippines” will teach you the slowly but surely “Turtle Always Wins Blueprint” for stock market investing.
  6. Do you want to WIN as a Stock Market TRADER?
    Edmund Lee, will share how “Rabbits Can Win Too Blueprint” for the faster-paced stock market trading.
  7. How can you experience a BREAKTHROUGH in your job or business?
    Rex Mendoza, CEO and President of Philam (one of the most dynamic speakers in the country today, and my personal favorite!) will give us  the “World Class Mindset Blueprint”.
  8. How do you create BIG wealth from small wealth?
    Joen de las Peñas and Noel Arandilla (Founders, International Marketing Group) will teach the “Multiplication Principle Blueprint” to show that it doesn’t take a millionaire to become a multimillionaire.
  9. Is It Really Possible To Earn By Selling Your Ideas via a Blog and eBooks?
    Listen to Real-Estate Guru Larry Gamboa on how he created a second income stream by becoming a “Wisdom Giver” as Author, Speaker, Seminar-Organizer, Coach, Online Course Giver. You’ll also be inspired by Sha Nacino, author of seven eBooks, and Aileen Santos, Relationship Coach, who will share their own “Money Out Of Thin Air Blueprint
  10. Is Real Estate Riches For You?
    Learn how Randy Manaloto, owner of Citydorms, and Maves Angeles, owner of Happy Homes Reality, will talk about “Real Estate Riches Blueprint”. Maves will share her moving story—from someone living in the slums for 20 years, this young woman is now a property developer.
  11. Do you want to build an Online Store that sells stuff?
    Paolo Abadesco (the powerhouse computer genius behind Bo Sanchez’ online businesses), will share the “Online Business Empire Blueprint” to build your own online business empire at the lowest cost. Marco Victoria will share how he built a shoe business from scratch. Jay Castillo will share how he grew his real estate business via the internet.
  12. How Can You Earn In Dollars While Living In The Philippines?
    Internet Marketing Guru Jomar Hilario will teach the “Super Virtual Assistant Blueprint” and tell you how you can enjoy working and earning from home.
  13. What does it take to be a Serial Entrepreneur?
    Dean Pax Lapid, will speak on “Create Your Army Of Businesses Blueprint.” Serial entrepreneurs, Ronnie Siasoyco, Founder of Trion, and Junie Toreja, owner of Toreja Corp will teach too!
  14. How you can receive God’s Favor For Building A Financial Fortress?
    Bo Sanchez will lead you into a special prayer for God’s abundance to flow into your life. So that you can be a channel of God’s abundance to this hungry world.
    On the Bonus Day ( March 2), many entrepreneurs will reveal to you their “Double Your Sales Blueprint.”

More Special Surprise Guests will appear during the TrulyRichClub WEALTH SUMMIT 2014! Real businesses will be showcased as examples for YOU to follow and imitate.

Would you like to LEARN MORE ABOUT THE WEALTH SUMMIT 2014?

And if you want to jump start your way to success and riches, why not join the TrulyRichClub or maybe just download the e-Book “My Maid Invests in the Stock Market”?