Bo Sanchez Truly Rich Club - An Honest Review

I am one of many Filipinos who works abroad earning decent money -- sad thing is that-- I actually don't know what to do with my hard earned money. I just put my money in the bank earning very small interest way lower than the inflation. While some of my friends end up wasting their money buying unnecessary things and save few or nothing  Until I learned about Bo Sanchez's Truly Rich Club.

I joined Bo's Truly Rich Club and followed his recommendations. Joining TRC was an eyeopener for me! I am grateful, feeling more secured financially as my "real investments" now continues to grow.

For those of you who already know Bo Sanchez probably you're happy because soon like me you'll be financially free. . 

For those who don't know him, here's his story: 

Bo Sanchez is a Filipino preacher who believed that money was evil, that wealth was excess baggage that prevented people from going to heaven and that saving for tomorrow means not trusting God. His belief about money changed after one prayer meeting when  a woman ask him to pray over for her daughter's P700 enrollment fee. Bo wanted to help the woman badly that time but he too don't have P700 either,after that event happened he prayed "Lord, I don't want this to ever happen again. Oh,to have money to help other! Help me help them."Fast forward -He now has many sources of income and investments not worrying about money as he shares his wealth to the needy. And now he is sharing what he learned about how money works to Filipinos worldwide through his Truly Rich Club! 

Why Failure is Good

"Rejection is a beginning not an end."

Here's another short but great story that will inspire you.
A number of years ago Jack Canfield and Mark Hanson wrote Chicken Soup for the Soul. 
After writing the book, no one wanted to publish it. It was turned down by 123 publishers. 
But they never gave up. 
Finally, a small publisher accepted their book. It went on to sell 53 million copies. 

Fifty-three (53) millions copies after 123 rejections.. 

The lesson: The opinions of others have nothing to do with your success. Their rejection can only affect your feelings, not your future.

Always see rejection as a door not a wall

My Stock List - July 2012

My Stock List - July 2012

Download My Maid Invests In The Stock Market

Download My Maid Invests In The Stock Market

Do you want to start to invest in the stock market but don't know how to start? Then this free e-book is for you.

My Maid Invest In The Stock Market

Preface: Take Charge of Your Financial Future
Chapter 1: Everyone Ought to Be Rich
Chapter 2: Follow a Simple System
Chapter 3: Repeat the Vision
Chapter 4: Own a Great Company
Chapter 5: How to Retire a Millionaire
Chapter 6: Open an Online Account

Click here to Download My Maid Invests In The Stock Market.

To open the e-book you will need Adobe Acrobat PDF Reader. click here to download it if your computer don't have it yet.

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Top 3 Simple Money Making Ideas For Students

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A reader asked - "How can a student like me earn money?"

Answer: We have tons of money making ideas, some are easy and some are not-so. Today's post I'll share with you the top 3 simple money making ideas for students like you - actually this is applicable to people of any age as long as you can move. : ) Here they are:

1. Sell Cellphone Loads - This one is very easy. How many friends or classmates do you have? 30? 50?  Do you know that for every P30 load that you sell you can earn P4.73? Let's compute (number of your classmates) 30 x 4.73 (earnings) = P141.9 profit! NOW, how many students are there in your school? 100? 300? 500? Get the idea?

2. Be A Tutor - Do you have a skill or talent that you can teach/share to others and earn from it? I remember my first coach in MMA is a college student (I found him in the internet) and he's making P200 per hour for teaching me MMA. Are you good Math? Painting? Playing Music Instrument? Playing basketball? Dancing? Computers?  Share it to others and earn from it. You can advertise your services on a site like it's free.

3. Direct Selling -  Join in one of these big companies Avon, Natasha, Sophie Paris. My wife knows a college student in Laguna making P20k a month from selling Sophie Paris products.

There you have it 3 simple money making ideas for students.. Do you have more suggestions? Please do share it by leaving a comment below..

Is Online Education Effective?

Is Online Education Effective?

How To Become Rich In The Stock Market

How to become Rich in the Stock Market

My Stock List June 2012

Here's my stock list for this month

A Great Lesson We Can Learn From Manny Pacquiao

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"Do what you love and money follows."

Who is the world doesn't know our very own People's Champ Manny Pacquiao. 
Do you know how much did earn from his last fight? How about Lebron James? Oprah Winfrey? Angelina Jolie? Bill Gates? Mark Zuckerberg? 

They are all earning millions of dollar a year, except for Bill and Mark because they're earning billions!

And do you know what's common between them? They all use their passion (genius). They're doing what they was born to.That's the reason why they are very successful now.

If you want to be rich, use your passion. Eh..I'm confuse with this passion.. I don't know what's my passion is?..Click here to help you find what your passion is. 

5 Ways To Become Rich

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Here are 5 Ways to become rich choose one you think is the best for you : ) 

1. You can become wealthy by inheriting the riches of your rich parents--cool eh

2. You can become wealthy by winning in a lottery game. I heard that most lottery winners lost all their money just after a few years from winning and end up buried in debt.

3. You can become wealthy by marrying a rich person. Remember that you will be with the person that you'll marry for life. Can you take it living with someone you don't love?

4. You can become wealthy by doing illegal business.'s better to live in a small house than in jail.

5. You can become wealthy by studying how money works, by becoming financially literate, become an business owner and then investor.

One BIG Thing To Avoid If You Want To Become Rich

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Do you know that there are two kinds of debt? One (the popular to most people) is called Bad Debt. 

Bad debt according to Robert Kiyosaki is a money loaned to buy things that takes money out of your pocket (liability). 

One example is when I get a loan to buy a brand new sports car for my personal enjoyment. Since that sports car doesn't put money into my pocket, or simply I don't earn from  it then it's a Bad debt. 

The other debt is called Good Debt. (what most rich people have) Good debt is the opposite of bad debt. 

When I get a loan to buy a rental apartment and if from that apartment, I receive monthly income from my tenants...that's a Good debt. 

Do you know now what to avoid?

You Create Your Life

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"If you don't like something, change it. If you can't change it, change your attitude. Don't complain.."

Do you know that You are where you are right now because of the choices you've done before?
Are you happy with your life right now? 

Whatever situation you are in right now you are responsible of it, believe it. 

You've been creating your life long time ago. Even if you didn't know you're doing it.
By the choices that  you made in the past you were creating your life.

How To Become Rich In One Week

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"You become what you repeatedly do."

Do you exercise regular and eat healthy foods daily? You become a healthy person.

We become what we repeatedly do. Let's now apply this in our topic..

You don't get overweight overnight.
You don't eat a gallon of ice cream tonight and then get obese tomorrow. You get obese by eating lots of ice cream over a period of time.
Same thing if you want to get rich, you don't get rich overnight. Unless you do illegal thing or win in a lottery. 

You get rich by doing a rich man habits, you save, you invest, you avoid bad debts.You study how money works.

Success doesn't happen overnight it happens bit by bit. If you do the right things consistently over time.

How To Achieve Anything Part 4 - The Most Important Ingredient To Success

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We are now on the last part of the 4 parts topic "How to achieve anything". Let me share with you now the  most important ingredient to success. Yes, you guess it right. It is the six letter A-C-T-I-O-N. This is very important, you need to take an action in order to get what you want. Albert Einstein said it best, Nothing happens unless something moves.

How can you get where you want to be (or achieve what you want) if you are not moving?

If you want to have a beautiful house for example, then start doing something for you to achieve it. You can start saving, look for another source of income, find a good house builder, etc. then finally build or buy the house that you want. just do things that will lead you getting the house that you want.

How To Achieve Anything Part 3 - The Law Of Attraction

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"What you think is what you become" 

I learned this in the movie The Secret one thing that we can do to help us achieve what we want. It is to believe that we deserve (our dreams) and it is already ours and we only just have to get it. 

This applies the law of attraction or the power of focus.

Your thoughts become things. Think and focus and it will happen!

I've done this many times, and its amazing that things happens the way I want it to be. I'm just kidding. Nope, it's true.

I've done this when I took my board exam and passed, when I was sick and got well fast, When I court the girl I want.

What's surprising is that I've done those things long before I've seen the movie the secret. I was doing the secret's principle subconsciously.
This is the secret of the universe: Your thought create things.

...and what happened to the girl I want? - she's now my wife!

Be Responsible For Your Success

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"If you don't want your situation, change it. If you can't change your situation, change your attitude."

Life is about choice. When you were young, choices were made by your parents. And as you grow up you learned to make your own choices.

You're the one who create the life that you have right now. 
How come? Because of the series of small and big decisions you have made before.

So if you don't don't like where you are right now, you are responsible.
If you don't like your job right now, you're responsible.
If you are overweight, it's your fault.
If you're not happy with your life right now, you're are responsible

All of us have the power of choice. So if you don't like something with your life, Do something about it. If not, who will? If you want change, do something new.

You are responsible of your life. It means you're in charge.

How To Achieve Anything Part 2 - Level Of Desire

This is part two of my post "How to achieve anything." I wrote in my last post that first thing to do to achieve your dream is to "be CLEAR on what you want". I also wrote there the importance of writing down your dreams.

In this post I will talk about the second reason why people don't get what they want. What is it? the reason is - "we don't want it bad enough."

There are different levels of desire.

The first level is the wish level. This is when people say "I wish to become rich"..and it ends there.Nothing happens.

Next level is the want level. In this level people say "I want to become rich"..better than the wish level, Some thing happen here,but not enough to get people achieve their dream.

Last level is the commitment level. People in this level say "I'm committed to become rich". This is level wherein you will do anything in order to achieve your dreams because you're committed to it.

Do you want to get anything you want?
Be committed to your dreams.

How To Become Successful In Anything Part 1 - Be Clear On what You Want.

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"If a man hasn't discovered something that he will die for, he isn't fit to live." - Martin Luther King, Jr. 
Do you know why people don't get what they want in life? They would say: I want to become rich, I want to have a beautiful house, I want to have a brand new car,etc.but doesn't achieve those. 
There are two reasons for that. First, because they don't REALLY know what they want. In order for you to get what you want, you MUST be clear on what you want to get or happen in your life.

Here's what I did (Many successful people did this thing) I wrote down my wants/dreams on my computer using notepad haha..I wrote it in a specific way.

I didn't write "I want to be rich" or "I want to have a brand new car" Instead I wrote "I'll become a successful stock market investor, I'll look for a mentor to guide me in stock market investing" "I'll have a successful internet marketing business" "I'll have a healthy and sick free body, so I will exercise often, live a healthy lifestyle.." I Also made a photo collage of my dreams and set it as my desktop wallpaper.I also wrote my dreams on my mobile phone.

Why do this? Because when you write your dreams, it becomes a plan. If not then it's still a dream..
It doesn't ends there,after I wrote my dreams I always read them to remind me of my goals.

Why Earn Passive Income?

There are many people who makes lot of money but they don't have the time to spend and enjoy it because they are working so much doing their job. 
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There are also many people who have lots of time but they don't have money.(these are jobless people) 

But there are few people who have both the money and time. 

How? By earning passive income. Passive income is a type of income wherein you first set up a "money machine" and then it will work for you automatically. (but frankly it's not that easy to make a money machine.) 

Define Your Own Success

Define your own Success
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What is success to you? What should happen or what things should you have for you say that you're successful? Is it a big house, luxury vacation, fancy car,fat bank accounts? 

Do you know that success must be self defined? You need to define success according to your standards not to your neighbors.

If your neighbor for example has a Ferrari car, It doesn't mean that you must also have a Ferrari car in order to be successful. Because no matter how rich you become, there will always be another guy who is richer than you are. 
Think, what do you want to accomplish for you to say that you are successful?

The Two Stages Of Financial Life Of A Person

There are two stages of financial life of a person, First is when man works for money. In this stage, a person in order to earn money have to work for it. If the a person stops working income also stops. If you are now an employee or self employed, you are in this stage.In this stage a person earns "active income". 

The second stage is when money work for man. In this stage a person earns even without working! In this stage passive income is earned. If you are a business owner, or an investor then you are in this stage. Do you want to know how to be on stage two?
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How Marketing Can Increase Your Business Sales

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Do you know how much does a company pay to advertise their product on TV?  I heard they pay hundreds of thousand to millions of peso for an TV ad.

Why pay those amount?

If you have a wonderful product and no one knows about it. How are you going to make sales? That's why marketing is important. People won't buy your product or service unless they know about it.

Many make the mistake of starting a business, they just sit around all day hoping sales will come. This is WRONG. You must never sit around and wait for customer to come. Rather, you must go out there and tell the people about your business or product- MARKET!

Two Types Of Income

There are two types of income, one is called active income and the other is passive income

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Active income is the the income you get in exchange of your time and labor. It means that you have to work in order of earn this type of income, if you stop working your earning will stop as well. An example of active income is a Job.

Passive income is the income wherein you earn whether you work or not. One example of an passive income is income you get from an rental apartment you own. 

What's An Asset?

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Maybe you've read in my previous post (how to become rich) the difference between an asset and liability. I'll say it here again but I'll write some examples this time.

Asset is anything that puts money into your pocket.Here are some examples of an asset:
Real Estate Property
Paper Asset (Stocks/Bonds/Mutual funds)

Liability is anything that takes money from your pocket.Here are some examples of an liability:
Expensive Vacations
When I say "ANYTHING" it really means anything.

Take note that an asset to me can be a liability to you (vice versa) an asset to you may be an liability to me.

An Asset is an asset as long as it produces money or simply puts money into your pocket. If it doesn't, then it's a liability.

Let's use a car as an example:
Let's say (Person A) bought a car for his private transportation.Because of the car here comes expenses (annual registration fee,license,gasoline,insurance,maintenance, etc..)-since these expenses takes money from person A's pocket--his car is a liability.

(Person B) also bought a car and turn it into a taxi.The taxi earns enough that it covers the car's expenses and also provides income.--This is an asset.

So is a car an asset or a liability? The answer is it depends on how you will use it. Same goes with a boat,house,cellphone,computer,etc.

How To Become Rich

This is what I learned from one of my financial mentor. He said that if you want to get RICH you should know the difference between what's an asset and liability, and then buy assets (plural)

So what's an asset? liability? Here, asset is anything that puts money into your pocket, while liability is anything that takes money from your pocket.

That's what you can to do to get rich. Acquire many assets!

Definition Of Insanity

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Naturally, most if not all of us want and crave for something better. It is all part of us if we want a bigger car, a better house, buying good things for the family. We keep hoping for more but, in order to get what you don’t have, you have got to do something you have never done before.
That simply means:
Doing the same thing over and over again YET expecting different results!

As an employee, you can’t stay at the same job forever and hope that a miracle will happen and your boss will suddenly give you a raise. You will be lucky that there is no downsizing in your company. Switching to another company will only provide a short term solution to a long term problem.

Sure, you can take up a second or even third job, but do you have enough hours and stamina in a day to sustain it?

The bottom-line: Trading time for money isn’t wise financial sense in the long term. 

Why Savings Won't Make You Rich

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Do you know that your money loses its purchasing power? How much? Around 7 percent a year. How? Because of inflation. Inflation is the reason why a bottle of an 8oz coke is now P8 compared to its price P4 a bottle years ago.

When you put your hard earned money in the bank's savings account they'll give you 2% interest or put it in a time deposit and they'll give you an 3-5% interest. Still below the 7% inflation. And when you'll withdraw your money savings you wont get it full 100% because of tax deductions.That's the reason saving won't make you rich.


Because the banks interest is not enough to fight the inflation.

Savings is the foundation of wealth. But, savings is not enough.

What should you do now?

1. You can put your money in mutual funds (average 12% interest a year) or the stock market where your money can earn an average of 12% and up interest a year.

2. Another is you need to do is to learn how to develop an alternative income stream aside from your job..or an  alternative income stream that one can use during retirement. One of the income streams I am working on right now is network marketing or multi-level marketing.

I was skeptical about network marketing before because, and its true that there are many ponzi scheme out there waiting for their next victim/s. BUT my thinking about network marketing changed after I read Robert Kiyosaki's "The business of the 21st century" After reading the book I started researching, looking for a network marketing company where I can join. 

And I found the best network marketing company in the Philippines. It is also operating in Singapore, Hong Kong, UAE, Taiwan,Brunei, and Nigeria and still expanding Globally. It has remarkable products that many people are using and the benefits that you can get are incomparable and you can generate passive income quickly. 

Earn From Your Passion.

"Success follows doing what you want to do. There is no other way to be successful. Malcolm Forbes."

Do you know what your passion is? Here are some questions that might help you get to know your passion:

*What subject matter interest you the most?

*What are the skills or talents you have that many people admires?

*When you have a free time, how do you choose to spend it?

*If not for money, what would you like to do?

*what are you good at?

*What do you enjoy doing?

Are you good in Numbers? Cooking? Arts? Dancing? Counseling? Computers? Sports? Cleaning?

It will help to ask family or close friends what they see that you're good at.
Sometimes other people can read our souls when we can’t.

Once you become aware of your passion,feed it, focus on it, improve it. Then ask yourself on how your can earn from it.