10 Tips sa Pagsasaayos ng ating Buhay-Pinansyal

Welcome Tambayers!

Lagi nating sinasabi sa ating mga readers na kung nais natin ng pagbabago, kailangan lang din nating gumawa ng bago. Mga bagong bagay o gawain na magpapabago sa estado ng ating buhay.

Kung hirap ka sa buhay ngayon, gumawa ka ng aksyon na magaahon sayo sa kahirapan.

Kung kulang ang iyong sweldo sa pang-araw araw na gastusin, gumawa ng paraan upang madagdagan ang iyong kinikita.

Kung kulang ang iyong kaalaman ukol sa usaping pinansyal, magbasa ng mga libro, bumisita sa mga blog sites o dumalo sa mga seminar ukol dito.

Ang kapalaran natin ay nasa ating mga kamay. Kung anuman ang nangyayari sa atin ngayon, yan ay resulta lamang ng mga bagay na ginawa natin kahapon. Kaya kung nais natin ng magandang bukas para sa ating sarili at sa ating mga mahal sa buhay, marapat lang na gumawa tayo ng aksyon na makakapagpaganda ng ating kinabukasan.

Kung patuloy lamang nating gagawin ang palagi nating ginagawa, malamang ay paulit ulit lang din ang mangyayari sa atin. Kung di ka pa rin gagawa ng aksyon, di ka pa rin makakaalis sa kinalalagyan mo ngayon. Ika nga ni Albert Einstein, “Insanity is doing the same thing over and over again and expecting different results.”

Narito ang ilang mga tips na makakatulong sa atin para maisaayos ang ating buhay-pinansyal.

     1.)  Mamuhay ng simple.

Iwasan ang “Fiesta” mentality. Hindi porke maraming handa ang kapitbahay mo, eh maghahanda ka na rin ng bongga?! Ika nga sa kanta” Simpleng buhay ay kayganda…” Huwag mamuhay ng magarbo kung hindi naman kaya ng bulsa.Unahin ang mga bagay na Kailangan (Needs) kaysa sa mga mga bagay na gusto mo lang (Wants).

     2.)  Planuhin ang iyong pananalapi.

Magplano! Ito ang pinakamabisang paraan kung nais mo ng magandang buhay sa kasalukuyan at sa kinabukasan. Matutong mag-budget, magimpok at mag-invest. Pagkatanggap ng sweldo, unahing bayaran ang sarili sa pamamagitan ng pag-iipon at pagiinvest bago pa man ang anumang gastusin. Sabi nga ng mga financial experts, “Pay yourself first”.

     3.)  Huwag gumastos ng higit sa kinikita.

Ito ang bagay na madalas nating nakakalimutan o ipinagsasawalang-bahala. Hindi tayo dapat gumastos ng higit pa sa ating kinikita, dahil “Utang” ang kalalabasan nito. Naalala mo pa ba ang kwento ng tsinoy businessman?(kung hindi pa, basahin mo dito). Dapat na “kumukurot” lamang tayo kapag gumagastos at hindi “dumadakot” at lalong hindi “umuutang” para lang ipambili ng mga bagay na hindi naman talaga kailangan.

Truly Rich Club Newsletter : How This "Financially Ignorant" Young Woman Almost Doubled Her Money In 2 Years

How This "Financially Ignorant" Young Woman Almost Doubled Her Money In 2 Years

Everybody loves an underdog story.

And this is an amazing underdog story.

This is about Rowena, a young woman who works as a video editor in our TV and Radio ministry. Two years ago, I challenged ALL my employees to invest in the Stock Market. Today, 90% of them are now investing-from my managers to vice presidents to messengers and janitors. (Give me 20 years and all my employees will become huge multimillionaires!)

          Please read Rowena's amazing story below...

Two years ago, I started investing P3000 to P5000 in the Stock Market. (It becomes P5000 when my very generous Dad gives me money. Thank you Dad!)

But I was totally ignorant about the Stock Market. So I just followed Brother Bo's TrulyRichClub's instructions each month, buying the stocks he recommended through his Stocks Update eReports.

And in two years, from October 2010 to October 2012, my Dad and I put in a total of P102,000 only. But it's shocking for me to know that my Stock Market investment now stands at P193,325. That's 89.53% increase in two years. Or an amazing 44.77% a year! -- Rowena Mallari, Video Editor

Perhaps you're someone who saves your money in big banks. If so, you're earning LESS than 1% a year. To be exact, about 0.75% MINUS 20% withholding tax! It's actually lunacy to keep your long-term investments in the bank. Yes, put your short-term money and emergency funds in the bank. But NEVER your long-term investments.

NOTE: Just to tell you how insane 44.77% is, I read the returns of the best and brightest, most sophisticated Mutual Fund Managers of BIG COMPANIES in 2011. The highest achieved was only 8.18% growth; A second mutual fund company got 8.17%; a third mutual fund company got 2.66%; and a fourth mutual fund company got 2.39% for the year. But Rowena Mallari-who doesn't know anything about the Stock Market except what she got from my Stocks Update eReports-got 44.77% growth. Crazy but true.

Do You Want To Be A Multimillionaire? 

You've Got To Start Today...

Warning: I'm not promising that Rowena will also get 44% next year or the year after. The Stock Market doesn't work that way. It's always like a rollercoaster ride. But here's my point for telling you this underdog story: You can be like Rowena and become a multimillionaire in 20 years.

          How? Like Rowena, join the TrulyRichClub and use my Stocks Update eReports that will guide you how to invest in the Stock Market.

          To join the TrulyRichClub and start creating your millions, click the link below:

Yes Bo, It's High Time For Me

To Start Building My Millions Now

          May your dreams come true,

          Bo Sanchez

PS. Don't Delay! So many people POSTPONE investing. From experience, people who postpone never do it. But I know that you're different. Start now. Click the link below...

Yes Bo, It's High Time For Me

To Start Building My MillionsNow

SOULFOOD by Bo -- How To Be A Champion

Friends, let me share with you the 7 Keys of a Champion's Life

1. Follow Your Dream with Passion
2. Focus on Your Core Gift
3. Believe in Yourself When Others Don't
4. Build Your Team
5. Take Action
6. Fail Forward
7. Shine Your Light

Let's Focus on the 1st Key: Follow Your Dream with Passion

It was the first time I visited Las Vegas.
The sights were overwhelming.

The lights, the hotels, the fountains and the casinos — it was all an incredible sight.
On the way to a restaurant, I remember walking through endless rows of slot machines. I saw the players — mostly old people — sitting in front of the machines.

I wondered: How long have they been here?

Even as fast music and blinking lights surrounded them, I sensed sadness in some of them.
After our meal, my friends and I went to watch a concert in a theater on the upper floor of that gigantic hotel.

After the two-hour show, I had to pass through the lobby with the slot machines again.
And there they were, the same people playing the machines!
I noticed one man.

Medium-built. In his 50's. Tired. He seemed so miserable doing what he was doing.
I looked at his eyes.

Call it discernment. Call it just a wild hunch. Call it whatever you want. But I felt there was so much emptiness in his life. It was like he woke up every morning not knowing what to do. So he comes here just to spend his money and time on nothing. Seeing him broke my heart.

I wanted to pull him out and tell him, "Do you want real joy? This isn't the place. Come with me to the Philippines. So many poor people have no homes. You can help us build homes for them. So many poor kids are begging on the streets. You can send them to school. Perhaps you'll find your purpose there.”

I walked out of the hotel feeling foolish for thinking this way.

But I really believe that unless a person finds a purpose bigger than himself, life will always be empty.

Friend, have you found yours?
Have you a found a dream worthy enough that you're willing to die for it?

Action Step:

Do you want to be a Champion? List down your goals, dreams, talents and passions. When all these align, you can determine your purpose. Pray for God's guidance, discernment and wisdom. Finally, list down concrete steps you can take to be God's powerful Champion!

We are in need of heroes and Champions. Wait. Let me repeat that. This world is in desperate need of Champions. We need YOU. But many people think that they are not meant to be heroes because they are unworthy. God begs to disagree. He looks at you and He sees a Champion. He sees somebody powerful and beautiful and worthy to be His hands and feet in this world.

Do you want to know what it means to be a true hero? Do you want to be entertained, inspired and blessed while finding out what it means to be a true hero? My friend Karren has written the first ever epic fantasy novel published by Shepherd's Voice Publications. Read her book and be a Champion.

Above excerpt taken from How to Conquer Your Goliaths by Bo Sanchez 

Photo credit: http://nathancrane.com/wp-content/uploads/2013/11/pic-group-on-the-beach.jpg

P.S. Do you want to grow in your financial and spiritual life and earn Passive Income every month too?. Visit Bo Sanchez' TrulyRichClub at www.TrulyRichClub.com now!  Click here now! 

Ang 4 na Hayop sa Stock Market

Welcome Tambayers!

Kamustasa? Nag-iinvest ka na ba sa Stock Market?

Anong uri ka ng investor ka-Noypi?

Alam mo bang may ibat-ibang uri ng investor? Depende ito sa kung paano kang nagiinvest sa Stock Market. Ikaw ba ay tipikal na trader o long-term investor?

Halina’t pag-usapan natin ang 4 na Hayop sa Stock Market mula sa libro ni Bo Sanchez na pinamagatang “The Turtle Always Wins” na tumatalakay sa ibat-ibang klase ng tao sa Stock Market.

Dun sa libro na yun, inihalintulad ni Bo Sanchez ang mga tao sa Stock Market sa 4 na hayop na mga tauhan sa kwento.

Dun sa kwento, nagkakarera sina Squirrel, Sloth, Rabbit at Turtle. Paunahan sila sa itinakda nilang finish line. May ideya ka ba kung sino ang nanalo sa karera? :)

Ang nagwagi sa karera ay si Turtle. Pangalawa si Rabbit, Pangatlo si Sloth at si Squirrel?hmmm, hindi na siya nagpakita. Bigla na lang siyang nawala at walang nakakaalam kung anong nangyari sa kanya.

Isa-isahin nating kilalanin ang mga karakter sa kwento.

1.) Squirrel – The Typical Trader

Sila yung mga taong basta na lang pumasok sa mundo ng stock market na wala pang sapat na kaalaman ukol dito. Para bang sumugod na lang basta sa gyera na wala naman dalang armas at bala. Sila rin yung mga kumakatawan sa mga tipikal na traders o yung mga taong bumibili ng stocks ngayong araw, pagkatapos ibebenta rin agad sa loob lang din ng isang araw.

Alam mo bang 85% ng mga tao sa Stock Market ay nalulugi? Sila yung mga tipikal na traders. Sila yung mga taong nakatutok sa umaatikabong aksyon sa Stock Market at nag-aabang ng mga pagkakataong makabili ng stocks sa mababang halaga at kumita pagkabenta, pero hindi sa lahat ng pagkakataon ay kikita ka, maaari ka ring malugi at maglaho ang pera mo na parang bula.