Have a happy, super blessed and truly rich 2012 everyone!!!
More floodgates of blessings will be open for us this 2012 so be READY!!!
"I alone know the plans I have for you...
Plans to bring you PROSPERITY...
Plans to bring about the FUTURE you hoped for."
-Jeremiah 29:11
HAPPY NEW YEAR!!!
Sunday, January 1, 2012
Monday, October 24, 2011
Do You Really Need Insurance?
Most people are MISINFORMED about INSURANCE
and worst others are UNINFORMED about its IMPORTANCE.
Bob Proctor
How to get the IR?
Formula: Monthly Income x 12 x 10
Example: Php 20,000 x 12 x 10 = 2.4 Million Php
INCOME REPLACEMENT: 2.4 Million Php
Here are the reasons... WHY???
1. While we build our wealth we should get PROTECTION. Insurance will not only protect us but also our family especially in times of sickness, untimely death, disability and it protects our properties.
2. Insurance is a GREAT investment. Why? When a person dies all his savings and properties will be subject to 20% ESTATE TAX but Insurance is EXCLUDED. It is not subject to PROBATE therefore the beneficiaries or the family can get the money right away. What a wise investment!!!
The truth is we need insurance. Why? Insurance is the main investment instrument
that we can use to protect our other investments.
Aya Laraya, Pesos and Sense
that we can use to protect our other investments.
Aya Laraya, Pesos and Sense
Pesos and Sense INSURANCE
3. Insurance with investment is a good investment vehicle to compound your money. You are not only protected or secured but at the same time you will enjoy the compounded interest of your money when your policy matures.
Do you really need INSURANCE? The answer is YES!!!
ANC Shop Talk: Personal Finance: Insurance 101 1/2
ANC Shop Talk: Personal Finance: Insurance 101 2/2
Sunday, March 6, 2011
Financial Literacy towards Financial Freedom
“The worst thing you can ever do to yourself is make yourself run out of TIME and MONEY.” These words from Robert Kiyosaki reverberate in my mind. Time and money are great allies, these are factors that affect financial success. When you delay investing you are wasting the great opportunity to be financially independent at the earliest possible time.
I can’t help but laugh at the same time pity people who adamantly refuse to be financially literate. As T. Harv Ecker elaborated in his bestselling book “The Secret of the Millionaire Mind”, he said the RICH people learn how money works and they make money work hard for them. But the POOR people are reluctant to learn about finances and they work hard for money. Ecker said he can tell people’s financial status through the way they think and talk about money. Whenever he invites people to attend his seminars some would profusely refuse and say “I don’t need it!” or “I don’t want to be rich!” these people are broke financially!!!
Rich people spare time and money to procure financial literacy. They attend seminars about finance and investing which help them accumulate wealth. Rich people learn how money works. They are Learn-It-All people no wonder they are rich while most of the poor people are Know-It-All.
The law of learning says we have to be open to learning. Each person we meet every day of our life can teach us something IF ONLY we are open-minded and willing to learn. Try your financial IQ. Do you have updated financial knowledge? I feel very sad whenever I meet people who would still save their money in the bank. Bank is a great place where you can put your emergency or expenses fund but NOT for Retirement Fund.
Why we need to invest for retirement fund? Not forever we have the strength to work hard to support our families and love ones. Time will come strength will desert our tired and work-worn body, what will you do especially if you are not financially independent??? Where will you get some money to support your needs when you get old??? Just an update: Homes for the aged are already crowded!!!
Why we need to invest for retirement fund? Not forever we have the strength to work hard to support our families and love ones. Time will come strength will desert our tired and work-worn body, what will you do especially if you are not financially independent??? Where will you get some money to support your needs when you get old??? Just an update: Homes for the aged are already crowded!!!
As OFWs we need to be protected. We need to procure some insurance. We can’t tell something unpleasant could happen to us and what will happen to our beloved family who depend on us? If we really love our family we need to protect ourselves. At the end of the month companies pay their workers or employees. We work hard thus we have to practice PAY YOURSELF. Save some little amount and invest for insurance or health care. Take 20% of your salary for your retirement fund. 10% for God through tithing and live on 70%. Is it hard? Yes, but better to experience hardship now than on your old age. SSS, Pag-ibig etc. are good but there are better investments than that. Diversify… don’t put all eggs in one basket. There are more things to learn. Ask financial literate people, read books and attend seminars about finance.
Why walk if you can ride to wealth? There are so many investment vehicles wherein you can invest your hard-earned money with low risk but high rates of returns. With just few thousands of pesos you can fund yourself towards financial freedom. Investing every month for a long term takes a lot of discipline but it will pave the way towards financial independence. To learn more about different investment vehicles come and learn this coming March 12 and 13, 2011. Attend the FREE FINANCIAL LITERACY SEMINAR here in Bangkok. For more details see schedule below. Be financially blessed!!!
MARCH 12, 2011 - Saturday
Venue: Sathorn Park Place Condominium Conference Room
27/2 South Sathorn Road Near Sukhothai Hotel, Behind Banyan Tree Hotel. Same driveway as Metropolitan Hotel
27/2 South Sathorn Road Near Sukhothai Hotel, Behind Banyan Tree Hotel. Same driveway as Metropolitan Hotel
Host: Maria Rufli
Time: 1:00 PM - 4:00 PM
MARCH 13, 2011 - Sunday
Venue: Mary Help of Christians Church
Krungthep Kreeta, Srinakarind Road
Host: Father John Tamayo
Time: 1:00 PM - 4:00 PM
Sessions for small groups and families are currently being arranged. For more details please contact Rachel 0853-570-579 or email rjdd_1509@yahoo.com
Tuesday, March 1, 2011
Learn How Money Works
You don’t need to work hard for money.
Make money work hard for you.
Come and learn how money works.
Make money work hard for you.
Come and learn how money works.
FREE SEMINARS to be given by IMG. IMG joins Bro. Bo Sanchez’s mission to spread financial literacy to all Filipinos all over the world.
The seminar aims to educate OFWs about PAY YOURSELF concept and encourage Filipinos to invest for Retirement Fund.
Be financially independent. Learn more about passive incomes, paper assets, mutual funds, stock markets and other investment vehicles where you can invest your hard-earned money with low risk but high interest of returns.
Grab the opportunity to attend this seminar. Financial Coaching seminars cost more or less P6,000, plus your plane ticket back to the Philippines. But now it’s here in Bangkok and it’s FREE!!! Don’t miss it…
Free Financial Coaching!!!
Come and be FINANCIALLY BLESSED!!!
Speakers: Benjie Santiago, Fely Santiago and Nancy Martin
MARCH 12, 2011 - Saturday
Venue: Sathorn Park Place Condominium
Conference Room - 3rd Floor
27/2 South Sathorn Road Near Sukhothai Hotel,
Behind Banyan Tree Hotel. Same driveway as Metropolitan Hotel
Conference Room - 3rd Floor
27/2 South Sathorn Road Near Sukhothai Hotel,
Behind Banyan Tree Hotel. Same driveway as Metropolitan Hotel
Host: Maria Rufli
Time: 1:00 PM - 4:00 PM
MARCH 13, 2011 - Sunday
Venue: Mary Help of Christians Church
Krungthep Kreeta, Srinakarind Road
Host: Father John Tamayo
Time: 1:00 PM - 4:00 PM
Sessions for small groups and families are currently being arranged. For more details please contact Rachel 0853-570-579 or email rjdd_1509@yahoo.com
Sunday, February 27, 2011
Financial Literacy Seminar in Bangkok
Attention to All Filipinos in BANGKOK:
There will be FREE FINANCIAL LITERACY SEMINARs this coming March 12 and 13, 2011.
Date: March 12, 2011 - Saturday
Venue: Sathorn Park Place Meeting Room, 3rd Floor
Near Banyan Tree Hotel, Sathorn South Road
Time: 1:00 PM - 4:00 PM
Host: Maria Rufli
Date: March 13, 2011 - Sunday
Venue: Mary Help of Christian Church
Krungthep Kreeta, Srinakarind Road
Time: 1:00 PM - 4:00 PM (Before Tagalog Mass)
Host: Father John Tamayo
Speakers: Benj Santiago, Fely Santiago and Nancy Martin
Module 1: Financial Wake-up Call/ Financial Solutions Today
1. Why many Filipinos today retire in poverty?
2. Basic Financial Mistakes
3. Our Mission
4. 6 Steps to Financial Security
- Increase Cash Flow
- Debt Management
- Create Emergency Fund
- Provide Proper Protection
- Build Long-term Asset Accumulation
- Preserve your Estate (Estate Planning)
5. Fortune from Small Change
6. Building a Solid Financial Foundation
Module 2: Finance and Investment 101
1. Review of X-curve
2. Insurance 101
- Do you really need insurance?
- What is the cost of insurance?
- Know how to get the right insurance to address your need
- How to save on the cost of insurance and make money on your savings
3. Investment 101
- Why Invest?
- Where to invest?
- Risk-Return Trade Off
- Financial Goals
- Ways to Invest
- Types of investment instruments
- Diversification and asset allocation
- Money cost averaging
- How do an investor navigate through the turbulence of globalized financial market
4. Investing in Long-term Healtcare
- Comparison between a short-term (HMO) and long-term healthcare
- 3 Major Financial Needs
5. By-pass the middleman
Module 3: Creating Multiple Streams of Passive Income
1. How to create a successful multiple sources of income
2. Definition of wealth. What is your wealth attitude?
3. IMG - the best place to build multiple sources of income
4. Total Financial Solution Offered by IMG
- Financial Literacy (continuing Financial Education/market updates/coaching/mentoring)
- Discipline (Direct access to many powerful companies in the financial industry so people can APPLY the concepts and develop the habit of saving and investing)
- Entrepreneurship (we do our business by HELPING people become their own financial expert & help them start their own business in the financial industry)
5. A new concept of making good money -- PASSIVE INCOME
6. How to get started?
Who are the speakers?
Benj Santiago
Mechanical Engineer by Profession
Quality Director of Orient Semicon prior to IMG
More than 28 years of Sr Managerial position in the Semicon Industry (Amkor/Intel)
College Professor
Technical Consultant for TPM, 5S
Marketing Director - IMG
Fulltime Missionary of Financial Literacy under the team of Bro Bo Sanchez traveling around the Philippines and around the world to conduct Financial Education
Shepherd, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
Fely Santiago
Industrial Engineer by Profession
More than 25 years of Managerial Position in Intel
MBA – DLSU Dasma
Marketing Director - IMG
Registered Financial Planner Program Graduate (Batch #14)
Fulltime Missionary of Financial Literacy under the team of Bro Bo Sanchez traveling around the Philippines and around the world to conduct Financial Education
Member, Truly Rich Club
Shepherd, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
Nancy Martin
Electronics and Communications Engineer by Profession
More than 10 years as Quality Engineer experience with Intel
Member, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
These are free seminars to be conducted by International Marketing Group, IMG where BO SANCHEZ is one of the Senior Marketing Directors. IMG is working hand in hand with Bro Bo Sanchez to spread financial literacy to all Filipinos all over the globe. These seminars are especially dedicated to all OFW's the NEW HEROES OF THE PHILIPPINES who are working hard for their families. If you are interested please feel free to email me so I could put your name on the list. For more details, inquiries contact:
Rachel Jane Dolido
0853-570-579
email: rjdd_1509@yahoo.com
Be blessed!
There will be FREE FINANCIAL LITERACY SEMINARs this coming March 12 and 13, 2011.
Date: March 12, 2011 - Saturday
Venue: Sathorn Park Place Meeting Room, 3rd Floor
Near Banyan Tree Hotel, Sathorn South Road
Time: 1:00 PM - 4:00 PM
Host: Maria Rufli
Date: March 13, 2011 - Sunday
Venue: Mary Help of Christian Church
Krungthep Kreeta, Srinakarind Road
Time: 1:00 PM - 4:00 PM (Before Tagalog Mass)
Host: Father John Tamayo
Speakers: Benj Santiago, Fely Santiago and Nancy Martin
Module 1: Financial Wake-up Call/ Financial Solutions Today
1. Why many Filipinos today retire in poverty?
2. Basic Financial Mistakes
3. Our Mission
4. 6 Steps to Financial Security
- Increase Cash Flow
- Debt Management
- Create Emergency Fund
- Provide Proper Protection
- Build Long-term Asset Accumulation
- Preserve your Estate (Estate Planning)
5. Fortune from Small Change
6. Building a Solid Financial Foundation
Module 2: Finance and Investment 101
1. Review of X-curve
2. Insurance 101
- Do you really need insurance?
- What is the cost of insurance?
- Know how to get the right insurance to address your need
- How to save on the cost of insurance and make money on your savings
3. Investment 101
- Why Invest?
- Where to invest?
- Risk-Return Trade Off
- Financial Goals
- Ways to Invest
- Types of investment instruments
- Diversification and asset allocation
- Money cost averaging
- How do an investor navigate through the turbulence of globalized financial market
4. Investing in Long-term Healtcare
- Comparison between a short-term (HMO) and long-term healthcare
- 3 Major Financial Needs
5. By-pass the middleman
Module 3: Creating Multiple Streams of Passive Income
1. How to create a successful multiple sources of income
2. Definition of wealth. What is your wealth attitude?
3. IMG - the best place to build multiple sources of income
4. Total Financial Solution Offered by IMG
- Financial Literacy (continuing Financial Education/market updates/coaching/mentoring)
- Discipline (Direct access to many powerful companies in the financial industry so people can APPLY the concepts and develop the habit of saving and investing)
- Entrepreneurship (we do our business by HELPING people become their own financial expert & help them start their own business in the financial industry)
5. A new concept of making good money -- PASSIVE INCOME
6. How to get started?
Who are the speakers?
Benj Santiago
Mechanical Engineer by Profession
Quality Director of Orient Semicon prior to IMG
More than 28 years of Sr Managerial position in the Semicon Industry (Amkor/Intel)
College Professor
Technical Consultant for TPM, 5S
Marketing Director - IMG
Fulltime Missionary of Financial Literacy under the team of Bro Bo Sanchez traveling around the Philippines and around the world to conduct Financial Education
Shepherd, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
Fely Santiago
Industrial Engineer by Profession
More than 25 years of Managerial Position in Intel
MBA – DLSU Dasma
Marketing Director - IMG
Registered Financial Planner Program Graduate (Batch #14)
Fulltime Missionary of Financial Literacy under the team of Bro Bo Sanchez traveling around the Philippines and around the world to conduct Financial Education
Member, Truly Rich Club
Shepherd, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
Nancy Martin
Electronics and Communications Engineer by Profession
More than 10 years as Quality Engineer experience with Intel
Member, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
These are free seminars to be conducted by International Marketing Group, IMG where BO SANCHEZ is one of the Senior Marketing Directors. IMG is working hand in hand with Bro Bo Sanchez to spread financial literacy to all Filipinos all over the globe. These seminars are especially dedicated to all OFW's the NEW HEROES OF THE PHILIPPINES who are working hard for their families. If you are interested please feel free to email me so I could put your name on the list. For more details, inquiries contact:
Rachel Jane Dolido
0853-570-579
email: rjdd_1509@yahoo.com
Be blessed!
Friday, January 14, 2011
What is Financial Literacy Seminar About?
Attention to All Filipinos in BANGKOK:
There will be a FINANCIAL LITERACY SEMINAR this coming March 12, 2011. Time: 10:00 AM to 5:00 PM. Please come and learn this is FREE. What is financial literacy seminar about?
Module 1: Financial Wake-up Call/ Financial Solutions Today
1. Why many Filipinos today retire in poverty?
2. Basic Financial Mistakes
3. Our Mission
4. 6 Steps to Financial Security
- Increase Cash Flow
- Debt Management
- Create Emergency Fund
- Provide Proper Protection
- Build Long-term Asset Accumulation
- Preserve your Estate (Estate Planning)
5. Fortune from Small Change
6. Building a Solid Financial Foundation
Module 2: Finance and Investment 101
1. Review of X-curve
2. Insurance 101
- Do you really need insurance?
- What is the cost of insurance?
- Know how to get the right insurance to address your need
- How to save on the cost of insurance and make money on your savings
3. Investment 101
- Why Invest?
- Where to invest?
- Risk-Return Trade Off
- Financial Goals
- Ways to Invest
- Types of investment instruments
- Diversification and asset allocation
- Money cost averaging
- How do an investor navigate through the turbulence of globalized financial market
4. Investing in Long-term Healtcare
- Comparison between a short-term (HMO) and long-term healthcare
- 3 Major Financial Needs
5. By-pass the middleman
Module 3: Creating Multiple Streams of Passive Income
1. How to create a successful multiple sources of income
2. Definition of wealth. What is your wealth attitude?
3. IMG - the best place to build multiple sources of income
4. Total Financial Solution Offered by IMG
- Financial Literacy (continuing Financial Education/market updates/coaching/mentoring)
- Discipline (Direct access to many powerful companies in the financial industry so people can APPLY the concepts and develop the habit of saving and investing)
- Entrepreneurship (we do our business by HELPING people become their own financial expert & help them start their own business in the financial industry)
5. A new concept of making good money -- PASSIVE INCOME
6. How to get started?
Who are the speakers?
Benj Santiago
Mechanical Engineer by Profession
Quality Director of Orient Semicon prior to IMG
More than 28 years of Sr Managerial position in the Semicon Industry (Amkor/Intel)
College Professor
Technical Consultant for TPM, 5S
Marketing Director - IMG
Fulltime Missionary of Financial Literacy under the team of Bro Bo Sanchez traveling around the Philippines and around the world to conduct Financial Education
Shepherd, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
Fely Santiago
Industrial Engineer by Profession
More than 25 years of Managerial Position in Intel
MBA – DLSU Dasma
Marketing Director - IMG
Registered Financial Planner Program Graduate (Batch #14)
Fulltime Missionary of Financial Literacy under the team of Bro Bo Sanchez traveling around the Philippines and around the world to conduct Financial Education
Member, Truly Rich Club
Shepherd, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
Nancy Martin
Electronics and Communications Engineer by Profession
More than 10 years as Quality Engineer experience with Intel
Member, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
This is a free seminar to be conducted by International Marketing Group, IMG where BO SANCHEZ is one of the Senior Marketing Directors. If you are interested please feel free to email me so I could put your name on the list. No final venue yet I will just keep you posted regarding this matter.
For more details, inquiries contact:
Rachel Jane Dolido
0853-570-579
email: rjdd_1509@yahoo.com
Be blessed!
There will be a FINANCIAL LITERACY SEMINAR this coming March 12, 2011. Time: 10:00 AM to 5:00 PM. Please come and learn this is FREE. What is financial literacy seminar about?
Module 1: Financial Wake-up Call/ Financial Solutions Today
1. Why many Filipinos today retire in poverty?
2. Basic Financial Mistakes
3. Our Mission
4. 6 Steps to Financial Security
- Increase Cash Flow
- Debt Management
- Create Emergency Fund
- Provide Proper Protection
- Build Long-term Asset Accumulation
- Preserve your Estate (Estate Planning)
5. Fortune from Small Change
6. Building a Solid Financial Foundation
Module 2: Finance and Investment 101
1. Review of X-curve
2. Insurance 101
- Do you really need insurance?
- What is the cost of insurance?
- Know how to get the right insurance to address your need
- How to save on the cost of insurance and make money on your savings
3. Investment 101
- Why Invest?
- Where to invest?
- Risk-Return Trade Off
- Financial Goals
- Ways to Invest
- Types of investment instruments
- Diversification and asset allocation
- Money cost averaging
- How do an investor navigate through the turbulence of globalized financial market
4. Investing in Long-term Healtcare
- Comparison between a short-term (HMO) and long-term healthcare
- 3 Major Financial Needs
5. By-pass the middleman
Module 3: Creating Multiple Streams of Passive Income
1. How to create a successful multiple sources of income
2. Definition of wealth. What is your wealth attitude?
3. IMG - the best place to build multiple sources of income
4. Total Financial Solution Offered by IMG
- Financial Literacy (continuing Financial Education/market updates/coaching/mentoring)
- Discipline (Direct access to many powerful companies in the financial industry so people can APPLY the concepts and develop the habit of saving and investing)
- Entrepreneurship (we do our business by HELPING people become their own financial expert & help them start their own business in the financial industry)
5. A new concept of making good money -- PASSIVE INCOME
6. How to get started?
Who are the speakers?
Benj Santiago
Mechanical Engineer by Profession
Quality Director of Orient Semicon prior to IMG
More than 28 years of Sr Managerial position in the Semicon Industry (Amkor/Intel)
College Professor
Technical Consultant for TPM, 5S
Marketing Director - IMG
Fulltime Missionary of Financial Literacy under the team of Bro Bo Sanchez traveling around the Philippines and around the world to conduct Financial Education
Shepherd, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
Fely Santiago
Industrial Engineer by Profession
More than 25 years of Managerial Position in Intel
MBA – DLSU Dasma
Marketing Director - IMG
Registered Financial Planner Program Graduate (Batch #14)
Fulltime Missionary of Financial Literacy under the team of Bro Bo Sanchez traveling around the Philippines and around the world to conduct Financial Education
Member, Truly Rich Club
Shepherd, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
Nancy Martin
Electronics and Communications Engineer by Profession
More than 10 years as Quality Engineer experience with Intel
Member, Magis Deo Marriage Encounter Community
Member, Brotherhood of Christian Businessmen and Professional (BCBP-Gen Trias Outreach)
This is a free seminar to be conducted by International Marketing Group, IMG where BO SANCHEZ is one of the Senior Marketing Directors. If you are interested please feel free to email me so I could put your name on the list. No final venue yet I will just keep you posted regarding this matter.
For more details, inquiries contact:
Rachel Jane Dolido
0853-570-579
email: rjdd_1509@yahoo.com
Be blessed!
Tuesday, January 11, 2011
Highly Recommended Finance Books
I highly recommend reading these great books:
8 Secrets of the Truly Rich, Bo Sanchez
Choose to be Wealthy, Bo Sanchez
Secret of the Millionaire Mind, T. Harv Ecker
The Science of Getting Rich, Wallace Wattles
Think and Grow Rich, Napoleon Hill
Rich Dad, Poor Dad, Robert Kiyosaki
Rich Dad's Guide to Investing, Robert Kiyosaki
The Science of Being Great, Wallace Wattles
How to Win Friends and Influence People, Dale Carnegie
Law of Success, Napoleon Hill
8 Secrets of the Truly Rich, Bo Sanchez
Choose to be Wealthy, Bo Sanchez
Secret of the Millionaire Mind, T. Harv Ecker
The Science of Getting Rich, Wallace Wattles
Think and Grow Rich, Napoleon Hill
Rich Dad, Poor Dad, Robert Kiyosaki
Rich Dad's Guide to Investing, Robert Kiyosaki
The Science of Being Great, Wallace Wattles
How to Win Friends and Influence People, Dale Carnegie
Law of Success, Napoleon Hill
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