Posted in Financials

Life is a Choice! And so is Financial Independence

Financial independence is not a dream! It’s a decision.

You have the option to shrink your dream to fit on your income, or increase your income to fit on your dreams.

Unfortunately, financial education is not taught in schools, but we are fortunate enough that this time there are groups who has the advocacy on global financial literacy.

Continue reading “Life is a Choice! And so is Financial Independence”

Posted in Financials

Why Invest In The Stock Market?

Have you read the book My Maid Invest In The Stock Market by Bo Sanchez?
If not, then you should! Click here to download the e-book.

Just recently, Bo Sanchez’ maid already reached a million from her stock market investment.

If she have done it, then you can too! We can!
Investing in the stock market has a lot of benefits, some of these are the following:

  • Return of investment can grew up to 12%, unlike saving your money in banks which hardly earns 1% per annum plus inflation rate of 3%-5%. (Bank savings is ideal for emergency fund though)
  • Investing in stock market is ideal for longterm or retirement fund. This Way, your money grows and you cannot withdraw it immediately. That is why, having an emergency fund is important.
  • Applying the Rule of 72: At 12% interest, money doubles every six years

Investing in the stock market has also disadvantages that you must consider:

  • Your investment value or market value depends on Net Asset Value Per Share which are mainly relies on our economy. It may goes up or go down. You may experience paper loss sometimes.
  • Unlike in bank deposits, your money are covered with insurance, but in the stock market, it ‘s not.

Upon account opening, to start you investing in the market, you will be assessed on the risk level you will be tolerable of.

This way, you can be advised on the type of investment right for you:

  • Mutual Fund. Ideal and suggested for beginners. With low risk level, you just have to make initial investment of Php 5000.00 then you can make additional investment of not less than Php 1000.00 anytime you want. You will be given confirmation notice per transaction and Statement of Account in every end of the month. Mutual fund is hassle-free!

In my experience, I’ve been investing in my mutual fund account under PhilEquity Fund Inc. since 2013. Unrealized gain ranges 4% to 8% of Total Investment.

At first, it was just a trial and from my initial invest of Php 5000.00 from 2013, my additional investment was after almost a year already. That is when I saw the potential of gaining more after 20 to 30 years (retirement years). Since then, I’ve been frequently adding investment on my account even just Php 1000.00 or Php 2000.oo per month. For the many, it’s a small amount though but the secret is consistency according to our financial mentors.

  • Stock Trading. Ideal for daytime traders. High risk investment. Trading requires proper knowledge and/or guidance. You may loose a lot of money if you do not have the right skills and/or guidance.

Just last year, I opened an account on stock trading under COL Financial. Now, some of my stocks are gaining 7% to 10%. Buying and selling shares requires proper timing.

I have no experience or analytical skills in stock trading. I don’t even know how to start.

How I did it and keep doing it?

With my greatest desire to level up my knowledge on investment and specially stock trading, I joined on this online mentoring program founded by Bro. Bo Sanchez, the Truly Rich Club.

Once you become affiliate, you will be guided on how to open a stock trading account in COL Financial. Once you have successfuly given an account, you may start buying/ selling stocks with the guidance of SAM Table, exclusively for Truly Rich Club affiliates.

The Truly Rich Club uses Strategic Averaging Method (SAM) in analyzing stock movements telling the members when and what to buy or sell. This can be viewed anytime through the Truly Rich Club’s website where each affiliate has there own account.

Click Here to know more about the Truly Rich Club and the loads of blessings it will bring to your life and your family.

To be born poor is not your fault, but to die poor is already your fault. Be financially literate now!

Posted in Financials

Are You In A Debt Trap Now?

Many people who are masters of their own crafts but do not know how to handle money.

Do you oftentimes wonder where your money goes?

Are you not wondering why your credit card bills are increasing despite your compliance on the monthly minimum payment required?

Are your expenses are overly higher than your income?

Are you living in debt?


Debt or borrowing money is not bad all the time. It still depends on purpose…

Example #1, when you borrow money and you will be charged with interest over time, and the money will just be used as downpayment on your purchase of something that will not add income to you, then, it is BAD!

The result, you will have debt on two intities which you need to pay with your current income. You have not gain additional income from your purchase and yet you will have additional expenses.

Example #2, you borrow money with interest at 3% per annum, then you invest it on intities or something (like mutual fund, stock market, real estate) that will earn higher interest over the period of years. That is GOOD!

Why is it good? While paying or once you complete the payment after a year at 3% per annum, you are still receiving income from interest of your investments over the years like 12% per annum.

The greatest wonder of the world is compound interest!

Let us learn how to use the power of compound interest to our advantage and not for our loss instead.


1. Zero-out Your Debt

It’s time to stop…

  • STOP puchasing for the unnecessary things.
  • STOP over-spending
  • STOP being a spender!
  • STOP adding your debts

It’s time to start…

  • START to check and consolidate you current debts
  • START to check your income
  • START to plan and create a schedule of payment based on income vs. debts
  • START to negotiate on your creditors for discounts or payment terms
  • START to invest and create money machines

2. Live At 10-20-70 Rule

  • 10% Tithe
  • 20% Savings & Investment
  • 70% Expenses

May you choose to act now before it’s too late!

3. Seek Help from the Experts

One of the greatest ways to get out of debt trap is to manage your finances. To do it, you must gain knowledge and the right mindset to make it possible. Financial mentors often say..

Poverty is not lack of money. Poverty is lack of financial literacy.

Unfortunately, financial education is not taught in schools.

But fortunately, there are groups with the advocacy on Global Financial Literacy. I’m very much grateful to be part of these groups:

  • Truly Rich Club. An online mentoring program founded by Bo Sanchez. You will receive loads of blessings such as Powertalks, Wealth Strategies, Stocks Update, E-Books, and more right on your inbox and TRC account. These will enable you to gain the right mindset and be truly rich in all areas of your life. Click here for the full details.
  • Wealth Academy. A special program run by the International Marketing Group (IMG). With the advocacy for Global Financial Campaign, upon joining, you have access to lifetime financial education and financial check-up. IMG has offices around the Philippines and around the world that you can visit. Just let me know and we’ll arrange a meeting for you on your most preffered time. Just recently, IMG upgraded the benefits. Aside from the top 10 original benefits, they added 3 more major benefits! Here is the list of the benefits and be wowed!

      Be one of us in spreading Global Financial Literacy!

      You may contact me:

      • E-mail:
      • E-mail:

      Check the following related blogs:

      To be born poor is not your fault, but to die poor is already your fault. Be financially literate now!

      Posted in Financials

      Create Ways Now, Live A Dream Life Soon

      When “ber” months come, you can really feel the spirit of Christmas in our country (Philippines), not just because of the decors and radio songs, but because of the long ques in shopping malls especially on the month of December. Why?

      Christmas Sale! Holiday Sale! Year-end Sale! Here, there, and everywhere!

      Many people were in rush on all these sale and promos. Many people are rushing to spend there Christmas bonus, 13th month pay, 14th month pay, and other extra money. For the whole month of December, it seems like a “spend-it-all” race in malls.

      What about on the next days and months when cash inflow is almost insufficient for the needs? The anwers: Loans, Credit cards, any means of debt

      I know because I was once a contestant of this “spend-it-all” race.

      I’m fortunate and grateful that three years ago someone opened doors for me to the opportunities of financial literacy, the way to financial freedom. It is not and there is no quick-rich scheme to financial freedom. It requires the right mindset and consistency.

      Start on pondering the difference of needs versus wants.

      Needs are things you cannot live without, while wants are things that you can live even without.

      *What’s the difference between a 300 peso pair of jeans from divisoria against a 2,000-peso branded pair of jeans? – It gives the same fit and comfort

      *What’s the difference between a low-class brand of watch against a signature watch? – It provides the same time

      *What’s the difference between a no brand shirt against a high-end branded shirt? – It provides the same purpose

      See? These are just few examples where we can choose to spend less inorder to make more of what we have spared.

      Simplify your life!

      Let me share to you my first learnings of creating ways to achieve financial freedom.

      1. Zero-out Your Debts

      Consolidate your debts. From your income, create a plan or schedule of payment until it boils down to zero.

      “Be scared! Be scared! Be scared! Of borrowing money with interest!”

      This is one of the most stricking advise given by Bro. Bo Sanchez on one of his PowerTalks.
      Take control of your spending habits. Track your daily expenses for one month. Plot it. Graph it. Whatever you like. This way, you can have a clear vision where your money goes.


      2. Create an Emergency Fund

      Create a savings account that is equivalent to 3-6months of your income. In case of loss of job, you still have money to cover-up the expenses at least until you find new source of income.

      3. Invest in Life & Health Insurance

      This will save you or your beneficiaries from huge expenses in times of accidents and sickness.

      4. Invest in Mutual Fund/Stock Market

      While many people are rushing to sale and promos after they got there Christmas bonus, the Truly Rich people were rushing to the stock market, investing there extra money for long term. At this time of the year, price per share insanely goes down. This investment will soon become your money machines. If you want money to work for you, learn how to do it. Caution! Investing in the stock market is as easy as 1-2-3 but without proper guidance from the experts, it’s dangerous.

      Financial freedom requires effort and discipline.

      This new year, may you choose to create ways to live a dream life.
      To guide you in your financial journey through PowerTalks from powerful speakers and financial advisors, receive Wealth Strategies, Stock Market updates and guide, and receive daily dose of inspirational thoughts, you may check the Truly Rich Club and be a part of this amazing community. It’s not just about money. It’s about being rich on all areas of life.