Tuesday, December 1, 2015

Robert Kiyosaki Live in Manila 2015

"Parents have been teaching their children to go to school, then get a good job. That's f**kin' bullsh**!"
 
The world-known bestselling author and motivational speaker, had come to the Philippines to give us a slap on our face - the reality that hit us hard on our face. Together with his team Masters of Wealth, Robert Kiyosaki gave a powerful talk last November 30, 2015.


 
I have read his famous book Rich Dad, Poor Dad, and like most readers, I was intrigued by what he writes. But listening to his talk live is so much different from reading his books, and even from watching his videos or listening to his audios. The live event hit me harder on my face than it had me when I first read the book.
 
So right now, I am one of the many people who is trapped in the rat race, because I was taught to go to school, get good grades, and get a good job. What I did was bullsh**??! :P
 
So what was the real secret of becoming rich? If school is bullsh**, then how could people achieve wealth?
 
Robert Kiyosaki stressed out three important keys he had on his financial freedom journey.
 

Saturday, November 21, 2015

Ang STOCK MARKET INVESTING ay parang LOVE... Bakit?

Last October 17, we attended Truly Rich Club - Singles' Conference at the Heritage Hotel, Pasay.
It was very fantastic and rich in learnings! Speakers and mentors that came are all amazing and lively, and we learn so much from them!

With the great hosts/speakers of the conference Doc Didoy and Mayi Lubaton

Miss Mayi Lubaton, one of the club's lovely speakers and mentors, says, "Ang Stock Market Inversting ay parang LOVE."

Bakit???

1. It is not a feeling. It is a decision.

    When it comes to love, you must rely on your feelings alone. You also have to decide to enter into the love relationship. Just like in the Stock Market Investing, never rely on your feelings alone! Must your brain, have the basic knowledge, so you can decide.

2. Pagkakataon mo nang maging choosy.

   Yeah, right! :) Picking a stock is like choosing the best partner for you. Choose the one that you already know. Keep on searching until you find the best stock that fits you.

3. Habang tumatagal, nagkaka-interes ka!

   If it's true love, the longer your relationship reaches, the better it gets.

4. It is not a one-night-stand, it is a long term commitment.

   Simple lang. Stock market is not just an overnight success or happiness. It is more of a long term commitment. And for you to maximize the potential of gaining, continue buying stocks in the long run. Just like continuously courting the one you love for the rest of your life.

5. Maniwala kang may forever. :)
   Once you enter  the world of stock market investing, think of it for long term, for forever! :)


"Self investment has the greatest ROI potential."


PS. We have a great news for you. Do you want to learn more about finance and investment? You can attend a FREE Financial Seminar in Makati.
Click here to learn more.
 --> SAVING YOUR FUTURE

PS Number 2. Do you want to make millions in stock market and retire a happy millionaire? Watch how Bo Sanchez guides many Pinoys in investing in stock market. Download also his book my MAID INVEST IN THE STOCK MARKET.
Click here to learn more  trulyrichclub.com✔✔

PS Number 3. Do you want to LEARN INTERNET MARKETING? Know How Eduard Reformina Made Millions online with his Online Prosperity Training System Working From Home. Learn How He Did It and How YOU Can Too.. Click here to learn more  internet marketing 101✔✔


for your abundance,
Emmarie Cabarles,
Charlon Elaurza
founders, Filipino Abundance Mindset








Mutual Fund: One Fantastic Investment Tool

Many Pinoys today, are starting to gain financial literacy.

Many Pinoys wants to attain financial security.

source: google


But, a greater number still don't know how to manage and where to invest their money.

Worse, many are lured to get-rich-quick-schemes and scams which really makes people scared to invest.

But the great news is there are some investment vehicles that we can ride to achieve wealth.

One is the MUTUAL FUNDS,

According to PIFA (Philippine Investment Funds Association):

"Mutual Fund is an investment company that pools the funds of many individual and institutional investors to form a massive asset base.   

The assets are then entrusted to a full time professional fund manager who develops and maintains a diversified portfolio of security investments.  

People who buy shares of a mutual fund are its owners or shareholders. 

Their purchases provide the money for a mutual fund to buy securities such as stocks and bonds.  

A mutual can make money from its securities investments in two ways: a security can pay dividends and interest to the fund, or a security  can rise in value. 

The fund passes any dividends, interest or profits on the sale of its portfolio securities, less fund expenses, to shareholders in the form of distributions. "

- http://www.pifa.com.ph/mf_101.html

   
source: moneysense.com

Mutual funds is like riding a jeepney. We let the driver/fund manager drive our funds for us, but of course there are limitations/routes to be considered.
Unlike in stock investing that we are the driver/stock investor that will control our funds.

However, entrusting your money to fund managers isn’t an alibi not to do your homework.
You still need to know out your tolerance for risk and have a wisdom of how MFs earn.

Here are a some things before you get started:

1. Mutual Fund based on integrity, track record of fund manager, time horizon

2. Choose a fund which is directly proportional to your risk profile

3. Know your financial goals.

4. Decide.

5. Start.

6. Be patient.

If you do the math, Php1000.00 per month at 12% annual return for 20 years is 1 million. It is 33% per day. :)

Be frugal and observant. Invest in yourself.
Self-investment has the biggest ROI.


for your abundance,

Charlon Elaurza, RCE
founder, Filipino Abundance Mindset

PS. We have a great news for you. Do you want to learn more about finance and investment? You can attend a FREE Financial Seminar in Makati. Click here to learn more. --> SAVING YOUR FUTURE

PS Number 2. Do you want to make millions in stock market and retire a happy millionaire? Watch how Bo Sanchez guides many Pinoys in investing in stock market. Download also his book my MAID INVEST IN THE STOCK MARKET.
Click here to learn more  trulyrichclub.com✔✔

PS Number 3. Do you want to LEARN INTERNET MARKETING? Know How Eduard Reformina Made Millions online with his Online Prosperity Training System Working From Home. Learn How He Did It and How YOU Can Too.. Click here to learn more  internet marketing 101✔✔



Saturday, October 10, 2015

3 Helpful Things that We Can Do to Our 13th Month Pay and Bonuses


Are you very very excited with your 13th month pay and bonuses?

Probably, the list of things to buy and to do is now being aligned in your head.
The bucket lists for the family, gadgets, Christmas menu are being set!

Exciting isn't it?

Our bonus is used to spend and to bless our loved ones.
Doing these things gives us great satisfaction, a feeling of being more blessed
and contentment with ourselves.


But,
After the Yuletide season, do we still  money left in our payroll account?
We will go back to our usual routine of working hard, rendering overtime, and
braving the traffic and wait again next year for our salary bonuses.
Can we imagine ourselves all our life?
I think we Pinoys should change our habits!

Here are the things that we can do to our bonuses:

1. Consolidate and eliminate any existing debts.

If you have any debts, eliminate them. That's what I do last year when I got my 13th pay.
Yes I have my debt to support my licensure examination review, as I shared in this
blog that my money for review registration was scammed.
If you have existing credit cards or loans better to consolidate/eliminate them.

Masarap mag-celebrate, pero mas masarap matulog ng walang utang. :)

2. Build emergency fund!

Start saving for the rainy season! The rule for emergency fund is to build at least 3-6 monthsof our monthly income. Most people only have emergency, not fund. Hahaha! Funny but true!
Gradually we should start saving for our emergency funds. So that when emergency arise we have some backup for ourselves and family.

Take at least 20-30% of our bonus as a jumpstart in building emergency fund.

You can skip this part if you have an emergency fund. :)



3. Invest! (in yourself and money)

When I say invest, not just invest money. We should invest in ourselves about finance and investing.

We should build ourselves, increase our value by attending seminars,
reading books, reading my blogs and other blogs. smile emoticon



Then, we test the depth of the water by starting to invest, let our money work for us.

Invest in mutual funds, insurance, healthcare and stock market. 

(PS In stock investing I recommend the Truly Rich Club)

In mutual funds and insurances, I recommend attending the FREE Seminar by the Truly Rich Makers-IMG), you can register here -->
Truly Rich Seminar

Try to increase our cashflow by creating multiple income streams. I increase my cashflow by creating money online by teaching people how to blog and use fb for money. Check this link. Internet Money Making System

Mamuhunan tayo sa sarili natin, para madaling makapagpuhunan sa pagiinvest.
Aral muna bago invest. Lamang ang may alam.

PS. We have a great news for you. Do you want to learn more about finance and investment? You can attend a FREE Financial Seminar in Makati. Click here to learn more. --> SAVING YOUR FUTURE

PS Number 2. Do you want to make millions in stock market and retire a happy millionaire? Watch how Bo Sanchez guides many Pinoys in investing in stock market. Download also his book my MAID INVEST IN THE STOCK MARKET.
Click here to learn more  trulyrichclub.com✔✔

PS Number 3. Do you want to LEARN INTERNET MARKETING? Know How Eduard Reformina Made Millions online with his Online Prosperity Training System Working From Home. Learn How He Did It and How YOU Can Too.. Click here to learn more  internet marketing 101✔✔

For your abundance
Charlon Elaurza, RCE


Friday, September 11, 2015

The Secrets of Having a Mastermind Group

Why I Love Having a Mastermind Group

What is a MasterMind Group? “A friendly alliance with one or more persons who will encourage one to follow through with both plan and purpose.” –  Napoleon Hill

One stormy holiday afternoon of August our mentor Laurent Dionisio of Pinoy Financial Planning and top of affiliate of Truly Rich Club, set a meet-up for inspiring entrepreneurs to build a success alliance.


The members of the alliance:

1. Niko Bolante, one of the mentors also – of eskinaclothing.com, yourwealthymindset.com , certified internet marketer,
2. Erwin Esguerra –of pinoypip.com , civil engineer and real estate broker
3. Sai Pasinable - saipisenable.com
4. Justin Lao Rule – real estate broker
5. Roel Mahalin – Leor Fragrance, Racolla Tshirt Printing
6. Paul Anthony Aguilar – internet marketer
7. Charlon Elaurza - publisher of this blog, internet marketer, financial literacy advocate :)

We lean on each other, give advice, share connections and plan to do business with each other when appropriate. It’s very much peer-to-peer mentoring and if you are lucky enough to get invited to one, you will most likely see a marked change in yourself and your business.
Members of the Mastermind Group

Find your mastermind group! J

 Let's do it!



PS. We have a great news for you. Do you want to learn more about finance and investment? You can attend a FREE Financial Seminar in Makati. Click here to learn more. --> SAVING YOUR FUTURE

PS Number 2. Do you want to make millions in stock market and retire a happy millionaire? Watch how Bo Sanchez guides many Pinoys in investing in stock market. Download also his book my MAID INVEST IN THE STOCK MARKET.
Click here to learn more  trulyrichclub.com✔✔

PS Number 3. Do you want to LEARN INTERNET MARKETING? Know How Eduard Reformina Made Millions online with his Online Prosperity Training System Working From Home. Learn How He Did It and How YOU Can Too.. Click here to learn more  internet marketing 101✔✔

Charlon Elaurza, RCE
Financial Coach, Truly Rich Makers
Marketing Director, International Marketing Group





Sunday, July 26, 2015

A BIG GUY WITH A BIG HEART.

Friends,
(take a pause)

I'm just sharing to you one of the experiences that I learned from the sharings and talks  in conference I attended yesterday G-School 2 of International Marketing Group where I am also affiliated at Asian Institute of Management in Paseo de Roxas, Makati. Seat back and enjoy.

Let the ball roll.
..
There's a man, an investment savvy and wealth teacher having a conversation with his banker friends.
He confronted them saying, "Nakakatulog ba kayo sa gabi, you let the people invest in 1% interest?". "Magkaiba ba ang kulay ng mayaman ta mahirap? Magkaiba ba ang pera nila? You let the rich invest in higher interest rates, and the poor at 1%" he furiuosly added.   
   
Mr. Joen delas Penas and writer of this article Engr. Charlon

His banker friends  replied, " Hindi namin kasalanan na nag iinvest sila sa 1%, ang alam lang ng tao is 1%, kasi ang nakalagay sa mga karatula namin is 1%.
"KASALANAN MO YAN KASI 'DI MO SILA TINURUAN, trabaho mo yan din namin trabaho yan." 

From then on this man is unstoppable in doing his mission to educate people in handling their finances and growing their money the right way. Friends, his name is Joen delas Penas the big guy in the left of the picture and on the right is the awesome looking man, the publisher of this blog (ehem).

This noble man is very humble, loving and very helpful in sharing his wisdom in finance and investments. He is the founder and president of International Marketing Group. A company and community of Filipinos that help AVERAGE and even the poor to learn how to grow their hard earned money. (yes this community is existing!) He believes that with RIGHT INFORMATION everyone will be wealthy.

And I am blessed to say that I am with him in this mission, sharing financial concepts and knowledge to our fellow Pinoys on how to save and invest, the RIGHT WAY. I'm happy to say that I can help my friends and other people to be financially sound. It's just a matter of decision for this people if they will apply the concepts that we shared to them.

How do we share it to them?

We'll, it's simple my friend, our community in IMG, especially our group the Truly Rich Makers offer FREE Personal Financial Coaching and Financial Literacy Seminars


In this financial talk, you will not just learn HOW TO SAVE MONEY,  YOU WILL ALSO LEARN TO SAVE YOUR FUTURE.

To know more about the FREE Financial talk: CLICK HERE

By the way, I hope I inspire you in reading my article. :)

Do you know that Joen delas Penas and Bo Sanchez are great friends? You can read here an article where Bo Sanchez interviewed the president of IMG. Grab it now here. Bo Sanchez interviews Joen delas Penas of IMG
PS. We have a great news for you. Do you want to learn more about finance and investment? This blog is in partnership with International Marketing Group, you can attend their FREE Financial Seminar- SAVING YOUR FUTURE. Click here to learn more. --> SAVING YOUR FUTURE
PS Number 2. Do you want to make millions in stock market and retire a happy millionaire? Watch how Bo Sanchez guides many Pinoys in investing in stock market. Download also his book my MAID INVEST IN THE STOCK MARKET.
Click here to learn more  trulyrichclub.com✔✔

PS Number 3. Do you want to LEARN INTERNET MARKETING? Know How Eduard Reformina Made Millions online with his Online Prosperity Training System Working From Home. Learn How He Did It and How YOU Can Too.. Click here to learn more  internet marketing 101✔✔

Charlon Elaurza, RCE
Financial Coach, Truly Rich Makers
Marketing Director, International Marketing Group





IMG: BO SANCHEZ INTERVIEWS MR. JOEN DE LAS PEÑAS (IMG FOUNDER)

Mr. Joen de las Peñas is a founder of the International Marketing Group (IMG) and one of Brother Bo Sanchez’ investment mentors.
I am sharing below an article from Kerygma Magazine about their interview and how their mentor-trainee relationship started.
This article proves that IMG is a legitimate business and has been in existence for so many years.
We met at a most unlikely place – inside an airplane. I was bumped up to business class and he was seated right beside me. Since then, Jose Enrique (Joen) de las Peñas became my mentor in investing.
Joen has a mission: to change the adage that “the rich get richer and the poor get poorer.” He believes that “the average person, even the poor, has an equal chance to become wealthy if given the right information.”
Joen certainly knows what he’s talking about. He is a registered financial planner and has more than 12 years of financial management experience. He sits as the president and chairman of the board of International Marketing Group (IMG) Insurance Brokers Corporation.
Joen is certainly one guy I learn so much from every time I talk to him.
BO: I still remember your dialogue. You said, “I like your book.” I think you readSimplify and Create Abundance. And then you said, “Can I share some more to you?” In other words, you were trying to say, “You still lack some knowledge.” But I truly appreciate all the financial knowledge that you have shared with me all these years.
JOEN: That’s true. I read a lot of your books. It’s always been my dream to meet you so I could tell you a bit more about financial services, about the mission that we do. I know that you can help spread what we know, so it was a good chance to let you know all the things that we know.
BO: Can you share with us this mission, this crusade in your heart that’s been driving you for the past 10 years?
JOEN: It’s about the statement “the rich get richer and the poor get poorer.” Our mission is to change that. The rich get richer, it’s good. But the average person also has the right to become wealthy and I know that with the right information, he will have the same opportunity as the wealthy people.
BO: That’s wonderful. So the rich, yeah, they can get richer, so long as they share their riches. But you’re saying now that the average person can become rich as well.
JOEN: Yes, if the average person understands what the wealthy people are doing, if he understands the right financial vehicles, then there is no reason to be poor. Sadly, the average person focuses on different things while the wealthy people focus on how to become wealthy and successful.
BO: Can you give some specifics?
JOEN: If I ask the average person, “What is the rate of return on your savings?” most of the time he does not know. But ask him about the rate of return on his debt, he’d know. It’s always at the back of his mind. But the wealthy people – they know the rate of return on their savings, when it will double, how much their money will be in so-and-so years.
BO: You know, just yesterday I went to my bank and they gave me this leaflet on new interest rate. I was so shocked – it was 0.75% for a year! I thought it was at least 1%.
JOEN: And that’s still gross. You still have to deduct 20% withholding tax. What a lot of people do not understand is this: that the bank is a good vehicle for business; but for your own personal savings, there are lots of other financial vehicles that you can use.
Most people think that by saving they’re already doing something right. But the fact is, you could save the right way and save the wrong way. And saving the wrong way, at the end of the day, will not change anything.
BO: That’s a very important point. You know, Joen, my role is to give people the capacity to have a vision. I give them the capacity to dream. I remove their limiting beliefs – that I can’t do it, that I’m poor. So you’re absolutely right. People don’t have a vision of doubling their money.
JOEN: A lot of people are like that – they do not understand that with a meager rate of return on their savings, they will never have a chance to become wealthy. But I can show you a way that, even if you save P20,000 for six years with a total of P120,000, over the years as it compounds, it can be P9.5 million.
BO: Wow. So you’re saying, Joen, that if the average Filipino can save P1000 or P2000 a month, they can become a millionaire over time? But they need to know how to save, where to save.
JOEN: Yes and at the same time they should have a vision where their money is going and how exactly their money can grow. All of us work hard for the money. But eventually if we know how to handle money, money can actually work for us.We can be the boss of our money and not the other way around.
BO: OK, you’re saying, don’t put it in a bank, use the bank for business as loans, maybe business loans. But tell us, what vehicles are you talking about that can make one a millionaire over time?
JOEN: One of the widely used financial vehicles right now, even is the US and Europe, is the mutual fund. In a mutual fund, your small amount of money becomes part of a very big fund. If that fund earns 12% or higher, whatever savings you have there will have an equal rate of return as the whole fund. Many people think that the mutual fund is for the wealthy. But in fact it was created for the average persons to earn equally with the wealthy people.
I look at a lot of Filipinos and they’re very focused on how to make money but that’s only 50% of the equation. The other 50% is learning how to let their money go back to them much faster.
BO: That’s true. Is it safe to invest in a mutual fund?
JOEN: A mutual fund is regulated by the government and managed by a professional person to let the money grow. It’s one of the safest vehicles to let your money grow and to have the best rate of return. They have what you call asset allocation. The fund is spread correctly and all that the fund manager does is to think how to let the fund grow. And because of regulation, it’s a very safe vehicle.
BO: I’m sure we could go on and talking about this wonderful topic. One last thing before we end. You said that in the US, 20% of the people there put their long-term savings in the bank, but 70 or 80% put their money in mutual funds already. In the Philippines, it’s the opposite. Not even 1% of our people invest their money in mutual funds. And so you have a long way to go.
JOEN: Yes, there are a lot of things to be done. But I believed that with the right information we can actually become like the US and there will be more money in mutual funds compared to the regular savings in the bank.
Source: Kerygma June 2008 | An interview By Bo Sanchez

PS. We have a great news for you. Do you want to learn more about finance and investment? This blog is in partnership with International Marketing Group, you can attend their FREE Financial Seminar- SAVING YOUR FUTURE. Click here to learn more. --> SAVING YOUR FUTURE
PS Number 2. Do you want to make millions in stock market and retire a happy millionaire? Watch how Bo Sanchez guides many Pinoys in investing in stock market. Download also his book my MAID INVEST IN THE STOCK MARKET.
Click here to learn more  trulyrichclub.com✔✔

PS Number 3. Do you want to LEARN INTERNET MARKETING? Know How Eduard Reformina Made Millions online with his Online Prosperity Training System Working From Home. Learn How He Did It and How YOU Can Too.. Click here to learn more  internet marketing 101✔✔

for your abundance,

or your abundance,


Charlon Elaurza, RCE
Financial Coach, Truly Rich Makers
Marketing Director, International Marketing Group

Friday, July 17, 2015

Don't do it for money!-Steve Jobs




"Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it." - Steve Jobs