Welcome 2012!!!

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!!!

Do You Really Need Insurance?

Most people are MISINFORMED about INSURANCE

and worst others are UNINFORMED about its IMPORTANCE. 

 Bob Proctor

Do you really need insurance? If you have INCOME REPLACEMENT or IR you DON”T need insurance.
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

It simply means that if you have Income Replacement which amounts to 2.4 Million Pesos you don't need to buy insurance. The BIG question is, "Do you have this amount RIGHT NOW? If your answer is NOT YET you better procure your own insurance policy. 


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

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

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!!!

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

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

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.

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

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

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!

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!

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

Change Begins with Choice

My emails are teemed with great stuffs that I really love to share. Sharing to you guys, Jim Rohn's words of wisdom from his newsletter.

Any day we wish, we can discipline ourselves to change it all. Any day we wish, we can open the book that will open our mind to new knowledge. Any day we wish, we can start a new activity. Any day we wish, we can start the process of life change. We can do it immediately, or next week, or next month, or next year.We can also do nothing.

We can pretend rather than perform. And if the idea of having to change ourselves makes us uncomfortable, we can remain as we are. We can choose rest over labor, entertainment over education, delusion over truth, and doubt over confidence. The choices are ours to make. But while we curse the effect, we continue to nourish the cause. As Shakespeare uniquely observed, “The fault is not in the stars, but in ourselves.” We created our circumstances by our past choices. We have both the ability and the responsibility to make better choices beginning today. Those who are in search of the good life do not need more answers or more time to think things over to reach better conclusions. They need the truth. They need the whole truth. And they need nothing but the truth.

We cannot allow our errors in judgment, repeated every day, to lead us down the wrong path. We must keep coming back to those basics that make the biggest difference in how our life works out. And then we must make the very choices that will bring life, happiness and joy into our daily lives.
And if I may be so bold to offer my last piece of advice for someone seeking and needing to make changes in their life: If you don’t like how things are, change it! You’re not a tree. You have the ability to totally transform every area in your life. And it all begins with your very own power of choice.

So do you want to be financially free??? It's time to choose and change. Make a choice now and start your journey to financial freedom. Begin by attending seminars. Educate yourself and learn how to make money work for you. We should be always open to learning so come and learn for free. There's a Financial Literacy Seminar to be conducted by International Marketing Group, IMG on March 10-15 here in Bangkok. No final venue yet I will just keep you all posted. If you are interested feel free to email me, I'll be very happy to hear from you guys.

By the way I'm so happy Sir Benjie said he told Bo Sanchez about the financial literacy seminar here in Bangkok. Gosh, he will post this in his blog, isn't that great? I'm so happy and excited hope to see him soon.

Be blessed!

Invest... Invest



Financial Literacy Seminar this March 2011

Finally, the International Marketing Group's Financial Literacy Seminar will pushed through this coming March 10-15, 2011. Praise God! A lot of people will be blessed by this seminar which aim to educate people on handling finances. Do  you want to know how to make your hard-earned money grow? Come and learn about investing. Where do  you want to invest? Stock market? Mutual Funds? Name it all, you can learn it in IMG.

I will just keep you all posted  guys about the details especially the dates and venue of the seminar. This is free. Come and learn. Learn not only for yourself but learn so you have something good to share to others. And share the good news to other people. We can live in this world in abundance. We can have our own financial freedom.

Be blessed!!!

Kaiser Health Premium Builder

Take a look in this Kaiser Health Premium Builder and see how it works.




Courtesy of International Marketing Group, IMG

Get protection now not only for yourself but for your beloved family. Procure your own health care and insurance. Kaiser is a 3 in 1 investment. It is a health care, insurance and on the 6th year after you fully paid this investment will have 10% interest. Not bad right?

What are you waiting for? Inquire now and invest, buy this product.

Be blessed!!!

 

Do You Plan to Fail or You Fail to Plan?

New Year is always a time of reflection and planning. So have you planned for this year's goals and dreams yet? Most people don't plan to fail but most of the time they fail to plan. What are your plans this year?  Do you want something better this 2011? What do you want to achieve? Write your goals or plans and be specific about it. It is not a plan unless you have written it on a piece of paper.

Every new year reminds us that one year will be added to our age. Are you planning for your retirement? Are you funding or investing for your own retirement fund without relying on the company where you work right now? Take a look in this X-Curve concept.

When we are young it's time to work hard and think of our retirement age. It's time to plan and invest for retirement fund. Planning for old age is very crucial. Do you have your personal health care and insurance?

I always remember what Robert Kiyosaki said in his book Rich Dad's Guide to Investing, "The worst thing you can do to yourself is run out of both money and time".

While you're still young and have the money, invest for your health care and insurance. It's a very sad and worst thing if you're old and you realized these things are important and regrets can buy you nothing.

Why do we need health care and insurance? As we grow old our physical bodies will deteriorate and it's the time we badly need medicine, check ups, we need money for hospital bills if we get sick.

Health care and insurance are investment products. Seek some advice from people who are experts into these kinds of investment, that's it if you want to invest for your retirement fund.

Be responsible of your own future. Take the journey to financial freedom NOW by procuring your own health care and insurance.

Be blessed!

Investing Resolution for 2011

For this year 2011 my investing resolution is to invest 50% more of what I had invested in 2010.

If I need inspiration in investing all I do is see this wealth calculator and start weaving a dream and do some action to make it into reality.



Courtesy of International Marketing Group, IMG

Do you have your own investing resolution for this year? I hope investing is in your resolution list this 2011. Invest in the stock market or in mutual funds or any other investment products.


How much do you plan to invest every month? And how long to do you plan to invest your money? Always remember the longer you invest the lesser the risk.

 Hope you'll be inspired by this guys. Resolve to invest for your own financial freedom this year  and let's journey towards financial freedom.

Be blessed!!!

January 2, 2011

Hope to fund the plane tickets for the financial literacy seminar  this coming March.

May God bless our mission to spread financial literacy throughout the world.

God speed!!!

Journey to Financial Freedom 2011

Happy 2011!!!

May this year will be full of blessings, success, peace, love, happiness and prosperity to all. More love power too. Join me in my journey to financial freedom this 2011...

God bless!!!

I'm Finally Debt Free

·         Kerygma - December 2007

·         Actual Page

I'm Finally Debt Free

She's one of my financial mentors who taught me the way to financial freedom. In fact, Aurora "Ojing" Osana is the National Marketing Director of one of the biggest and fastest growing financial distribution companies in the U.S., Canada, Taiwan, Hong Kong, Dubai, Barcelona, Milan, Athens, Malaysia, Philippines and other parts of the world.

But Ojing wasn't always the financial whiz she has become today. Like most of us, she also had money problems and struggled to pay one credit card debt after another. Ojing was caught in a cycle of debt that gobbled up all her earnings. No matter how hard she worked or how high a salary she received or what business on the side she established, still there wasn't enough money for Ojing and her family. Then, while visiting a home for the aged and having witnessed the sad condition the old people were in, Ojing came to a life-changing realization. She promised herself that she will not end up this way – old, abandoned and destitute.

Though her current job, Ojing learned the art of earning money, saving it and making it grow the right way. Armed with these tools and having survived a financial meltdown, Ojing embarks on a mission to educate fellow Filipinos on the proper way to manage their finances.

I took all that Ojing taught me to heart and used it in my financial life. I pray that you will, too.

Bo: My good friend, Ojing Osana, and I have a mission – to educate people financially. We want to educate people in their finances because we're financially stupid.

Ojing: You will agree with me that it's a scenario, Bo, to end up like the old people in homes for the aged. To be hones, I don't want to reach the stage na mapunta ako sa home for the aged.

Bo: Ojing, tell me your story. Were you always financially in the know?

Ojing: No, I was so stupid before, Bo. It's different now. I didn't want to touch my savings but I kept on incurring debt through my credit cards. The reason why I work so hard for the money is to buy what I want, to go to places where I want to go. That's all. Saving money wasn't part of my vocabulary before.

Bo: You had a good job before, right?

Ojing: Yes. I was working with an oil company before – taong grasa so to speak. I was handling marine lubricants at that time. It's an international company so the pay and the benefits ware good. I traveled a lot. But at the end of the month, wala pa rin e. The money I earned still wasn't enough. I didn't know where my money went and how much I really earned that time.

I qualified for pre-approved credit cards because of the company I was employed in. I thought that with the credit card, I could just sign and sign for my purchases, pay every now and then. I came to a point where I could afford to pay only the minimum amount due every month. I didn't know about compounded interests applied to the unpaid balance of your bills. Then I realized my debt had piled up and I could no longer pay.

Bo: Just one word to our readers – we're not blaming credit cards and saying it's bad. The credit card is basically a tool, and if you use it well, it saves you from bringing so much money and at the end of the month you have a list of your expenses reflected on the bill. It's a great help in keeping track of expenses. Then what happened, Ojing?

Ojing: I realized what I did was stupid. Then I learned through my present company that there is really a right way of doing things. The company taught me how to spend wisely, save the right way, and make my money grow.

Bo: I've heard so many accountants say that they cannot apply what they do professionally in their personal finances.

Ojing: Exactly. I could balance finances to the last centavo for the company. But ironically, I cannot account for my finances. I guess it's really like that. When I had my financial check up, I realized that I was living way beyond my means.

Bo: how did it feel to have debts?

Ojing: It was like having a nightmare: a nightmare because I could no longer manage my debts. The credit card companies would call me, one after another. It was like having a smorgasbord of demands to pay from credit card companies. I'm sure there are many people who can relate with what I've experienced.

Bo: What then is the best thing to do on this kind of situation?

Ojing: You have to face your creditors. Talk to them and honestly tell them what you cannot pay for or what amount you can afford to pay monthly. You can even apply amnesty so that you can pay off the balance without the interest.

I had to cut off my expenses – talagang walang gastos. I really didn't know where to get the money. So, I put a flower shop in the hope that the business could help augment my income. The business did not prosper because I wasn't a businesswoman to be with. I just enjoyed arranging flowers. There are also many factors to consider in a business. Actually, you need to be on top of your business, 24-7. there were times when I couldn't keep track of the collections because I was still employed in a company while running the business.

Bo: What woke you up?

Ojing: I reached my turning point when I went to a home for the aged like Anawim. I saw how the old people there were being taught how to take a bath using a water hose. I saw that the volunteers did not care enough for the elderly. I told myself I did not want to end up like this, that after working so hard, I'll just live my old age in a hospice. That's when I applied the X curve, a powerful financial concept. It teaches you to save now, to build your assets and make your money work for you so that you'll be prepared for any kind of emergency and most of all your old age. The X curve is really your financial life story.

Bo: The X curve really helped me a lot. Sometimes we don't know what illness we have, so we go to a doctor for a diagnosis. It's the same with your finances – you need to go and have a financial diagnosis, look at what's happening in your life and then you'll know what you can do.

Ojing: I started listing down all my expenses. That way, I saw my expenses for the week and for the month. Then I computed my total monthly income and all other income I expected to receive. I realized that my expenses were really more than my income. I also realized that most of my expenses were not necessarily what I really needed. I had to learn how to separate my "needs" from my "wants."

Bo: Wonderful. And then you started saving, you paid all your debts.

Ojing: But you can't pay your debts in one go. You have to do it gradually. Let's put it this way – set aside 20 to 30 percent of you income to pay for your debts.

Bo: When you think about it, some people say you have to be greedy to be a multi-millionaire. Not at all – Ojing is such a wonderful, generous woman even if she has become a multi-millionaire. From a woman who had so much debt, she is now where she is because of financial education. And that's something we want you to experience as well.

Ojing: You don't need luck to become wealthy. All you need is the right information and know the right vehicle.

Bo: You need the right vehicle. There are cars towards wealth. You just have to learn what they are. Thank you, Ojing, for teaching me. It has helped me a lot.

Source: Kerygma June 2008 | An interview By Bo Sanchez

Christmas

God is Love

Christmas is all about love

Christmas is thus about God and Love

Love is the key to peace among all mankind

Love is the key to peace and happiness within all creation

Love needs to be practiced - love needs to flow -

God bless to all mankind...

Have a blessed and merry Christmas!!!

Make Money Work Hard For You

I have an on and off fever maybe out of stress or over fatigue not to mention the hot-cold weather. Thanks God long holiday I could rest. I'm over fatigued, after work I duplicate myself and do some sideline and work for more or less 12 hours a day. So tired!!! But I always tell myself this is temporary. Time will come money will work for me not me working hard for money. Active income is not that reliable. If you get sick it will stop. Passive income is good.

Are you working hard for money? Until when will you work hard for money???

As for me, definitely not forever. I'm on my way to financial freedom. How about you are you on your way to financial freedom?

I'm busy thinking of  a gift I will give to my friends. I hope they'll be more blessed when they have this humble gift of mine and hope they will share it to others. What's this gift? A gift that will lead them towards financial freedom...

Have a blessed Christmas to all!!!

God bless us!!!

IMG Financial Literacy Seminar 1

We had a great dinner at Maria's place. Sir Manny shared about mutual funds. This is just the beginning. I feel so blessed someone's helping in our mission to spread financial literacy here. More people to meet tomorrow. Praise God the law of attraction is working on me now so is my spiritual marketing. Learn financial literacy  now towards financial freedom. Be blessed!!!

God bless us all!

Mutual Funds Seminar

ATTENTION: For those who are interested to attend a free seminar about MUTUAL FUNDS in Molo, Iloilo. Please contact Sir Edsel Llave, he's from WVSU too. His mobile number 0920 8239 190.


Regular schedule: Every Monday at 6 PM Financial Wake Up Call. Every Wednesday at 6 PM, MUTUAL FUNDS. Every Saturday at 1PM Passive Income.

Educate yourself about investing. All you have to do is bring yourself and learn. The Department of Education will integrate STOCK MARKET in High School curriculum. Hope this will educate the teachers and students to invest wisely. What are you waiting for learn how to invest NOW.

Learn investing NOW. Invest for financial freedom.

Be blessed!!!