Start your Financial Independence today.
For inquiries on the seminar schedules, please contact:
Natalie
09158415514
r1chheads@yahoo.com.ph
For inquiries on the seminar schedules, please contact:
Natalie
09158415514
r1chheads@yahoo.com.ph
Photo source here.
You might find me talking nonsense when I say that there might be one big elephant in our homes, offices, schools, cafeterias, or social halls, etc.
Sometimes, there really is. And it makes it hard for us to move around.
The Elephant in the Room.
As people in the room, tell me something we could be talking about. Work, love, ideas, trees, stars, family, shoelace, nail, weather, computer mouse, food, toothpick, places…name it. It’s an endless list.
We even ask “How are you?” a hundred times without really caring about what the response would be. Some would even reply “I’m doing fine” without really meaning it.
We talk about anything under the sun…but not the elephant in the room.
From Wikipedia:
Sometimes money issues can be a big elephant in the family, between friends, couples, and acquaintances. Yes, we talk about money. But how seriously do we do on the issues?
As an analyst for five years, student for 16 school years and… HUMAN for 26 years, I learned of the same techniques on problem solving. Same first steps, too: DEFINE THE PROBLEM.
Correct? It is.
But I just realized that there should be something else prior to that: RECOGNIZE THAT THERE IS A PROBLEM.
Most of us are silent. In denial. Why? Because talking about issues may put us out of our comfort zones. With this we just let them as they are, and suffice our selves with temporary relieves.
"Do you know that 90% of your money problems are mind problems?" -- Bo Sanchez
Taking the first step
I can’t say that I waste money for nothing. I tell you, I’m not into gimmicks. I am not fond of buying pricey stuffs just to show off. I provide a fair enough amount to the family twice a month, not to mention that I support my siblings on their studies. I also venture out to small ways to earn income. But then, with the realization that I am not hitting my financial goals, I knew I had a problem.
Then I browsed books and magazines, and explored the World Wide Web. Finally, I found out about IMG (International Marketing Group), which really houses lots of financial (and spiritual, I can say) mentors whom I learned so much from. Most of them owe their financial freedom from Bro. Bo Sanchez. And I am part of the team which roots from his financial coaching.
Bro. Bo Sanchez? Yeah, I knew him. I’ve read one of his books. I am one of the worldwide readers who are inspired with his blogs. But with the new endeavor I’ve just had (financial literacy), I’ve thought of reading more of his books on financial advice.
A new friend
I’ve found a new friend. It seems she knows everything about me. And how could her pieces of advice be like hands with fingers that could fit any kind of hand of another – tiny or big, hardworking, worried, hopeful, rich or poor? You know what I mean?
I’m talking about his book. And why did I say “she” and “her”? Because in his book, I see a reflection of me, put into a transformation process.
I place it beside my pillow. I read it before starting or ending a day (of course, before or after saying a little prayer)
8 Secrets of the Truly Rich.
Actually, mine was “8 Sikreto Para Maging Tunay na Mayaman”. Yeah, it would have been a smoother reading if I bought the English one, but I was price conscious. It was still Bo’s, by the way. And I believe they speak of the same language when the audience is the heart.
I love the way it speaks of money so comfortably while teaching to be a servant of God by helping others. I agree that most people think that acquiring more money is unholy, and it should not be that way. I’d like to quote this one:
“Walang saysay ang pagiging mayaman para lamang sa kapakanan ng kayamanan. Ang landas na iyon ay tutungo lamang sa kawalan at kalungkutan.”
I was also moved by the story of Soichiro Honda (the man behind Honda Motors), who did not quit in spite of the hurdles in life.
You want to know further on what the secrets of the rich are? I suggest you to grab a copy of the book. It teaches everyone the practical ways to earn, save invest money. It is like a bullet that hits you to the head and then goes directly to the heart. The only difference? It does not kill you. It actually makes you live better.
You want to know further on what the secrets of the rich are? I suggest you to grab a copy of the book. It teaches everyone the practical ways to earn, save invest money. It is like a bullet that hits you to the head and then goes directly to the heart. The only difference? It does not kill you. It actually makes you live better.
“Humanap ng Kampyon na Kabalikat,” Bo is correct. And I've just found another one.
Money is overrated. I agree. But isn’t it nice to sit down and ponder (law of focus, you know it?) how to play the ball that keeps rolling in your everyday life? Or would you just let it hit you?
Proud to be with IMG.
Sharing the mission with Doc Vlad.
Tita Zen, one of my mentors.
With Tita Zen and Kuya Malvin (who's now a Marketing Director)
The ever-energetic Joy Caballero Tan from World Financial Group in Canada. After a such inspiring talk.
(Photos courtesy of Benj and Fely Santiago, Marketing Directors)
Steps to Enjoying Your True Wealth
By Bo Sanchez
We were going toHong Kong
That was when we heard the crying.
Correction. Not crying. But spine-chilling, lung-busting screaming. Two kids were holding onto their mother. They were separated by four-foot tall steel bars. But to those distraught children, those steel bars represented two years of being without their mother - the contract of a domestic helper inHong Kong
Four small arms clutching, grabbing, not letting go.
The whole world heard their pleading scream, "Mommy, please don't go! Please don't go!" I'll never forget the mother's pained, tortured face - as though a knife was ripping through her body. My wife cried openly. I wept inside and held onto my kids more closely.
That was two days ago. Yesterday, the story continued...
Those Small Arms Continue to Reach Out Yesterday was Sunday.
And I walked around Central.
If you don't know Hong Kong, Central is where thousands upon thousands of Filipina Domestic Helpers congregate. They sit on sidewalks. They sit on overpasses. They sit by storefronts.
I walked passed one woman who was reading a handwritten letter.
The handwriting was obviously a child's penmanship.
I walked passed another listening to a little cassette player - not to listen to music - but to a voice of a kid telling stories.
But what broke my heart was the news given to me by Shirley, the head of one organization that tries to help them get financial education. I was shocked by what she said. "Brother Bo, out of our 700 members who are married, 80% is already separated from their husbands."
Families aren't designed for prolonged separation.
They're not just made for that.
We're supposed to spend time together.
6 Steps to Spending More Time with Your Family No Matter How Busy You Are
"Bo, why are you telling me this? I'm not inHong Kong
Listen. Yes, you're not inHong Kong
But if you don't have time for your family - and your heart is not focused on them - you might as well be in another country.
You could be physically present - but are you emotionally present as well?
Let me share with you six important steps you could take to become more emotionally present with them...
Step #1: Be Close.
I'm still inHong Kong
It's five in the morning as I type this article in bed. And my little family is literally around me because we're all sleeping on one bed. Yes, we've become one mass jumble of intertwined humanity - our limbs, legs and arms crisscrossing each other. And that's when I realize - gosh, I don't know how blessed I am.
Why?
Here I am with my family. I feel their skin. I smell their scents. We're so close, I feel their breath.
And yet I'm surrounded by 148,000 domestic helpers here inHong Kong
And for those who've separated - forever.
Let me say it again: We don't know how blessed we are.
We complain that our families are nutty. But we don't understand how blessed we are to have them close enough to experience their nuttiness. We complain about our petty quarrels, our cold wars, our dysfunctionality.
But whose family isn't dysfunctional?
I've talked to some people here inHong Kong
You need to know how precious your family is - and treat them that way. You need to see them as your true wealth - that nothing is more precious than your relationships.
Step #2: Be Deliberate.
Because you need to protect this treasure or they get stolen from you. No matter how busy I am, I schedule a weekly romantic date with my spouse.
Yes, I actually write it down in my appointment book and treat it like a meeting with the President of thePhilippines
Why? Because if my marriage fails, everything else stands to fail as well: My ministry, my businesses, my soul... So it is an emergency that I bring her out every week.
I also schedule a weekly date with my kids.
I believe parents need to do these one-on-one dates with each of their kids. Unless of course you've got 18 children and may need to bring them out by two's or three's.
Sometimes my son and I just walk around the village and talk.
It doesn't have to be big. But swapping stories and opening our hearts to one another on a consistent basis is already very big to them. It means they matter to you - that you value them - and you'll see their self-esteem grow.
Step #3: Be Expressive.
I tell my wife "I love you" seven times a day.
I hug my kids countless of times a day.
At night, I tell my kids, "I'm so proud you're my son. I'm so proud I'm your Daddy. You're a genius. You're a loving boy. You're an incredibly gifted young man..."
This is true. I have met 40-year olds who long to hear these words from their parents - "I'm proud of you," and feel an empty space - like a gaping wound in their souls because their parents have never told them this.
Don't do that to your kids.
And before I forget: Praise your kids seven times a day.
And praise your spouse seven times a day.
I'm not kidding. It will revolutionize your marriage.
If I say, "Criticize your spouse seven times a day," I bet you'd say, "Kaunti naman. I do that already." But that's the problem. We don't realize that when we criticize our spouses, we actually destroy our marriage bit by bit - not just our spouses.
But when you praise and honor your spouse - you build up your marriage.
It can be very simple stuff:
Ang sarap ng luto mo ngayon, Hon.
I thank God He gave you to me.
You're so hardworking.
I love it when I see you play with the kids.
You know how to make me happy.
Ganda mo ngayon.
Keep on doing this and you'll see changes in your life and your marriage you thought were not possible.
Let me say it again: Praise your spouse - and your children - seven times a day.
Step #4: Be Deep.
Your weekly dates shouldn't just be watching movies, eating out and going home.
Talk deep.
Talk about your feelings.
Enter into each other's worlds. Dive into each other's dreams, hurts, desires, worries, hopes and burdens.
When you open yourself up to your spouse or your child, there are more chances for the other person to open up to you.
Step #5: Be Simple
Yesterday afternoon, I preached to 700 people inHong Kong
I usually give my talks for 45 minutes. That's been my trademark. But yesterday, I gave a solid two-hour talk. Vein-popping, heart-pounding, passion-driven talk - because I had a burden in my heart.
Because I preached on Financial Literacy.
I challenged them, "Raise your financial I.Q.!"
I scolded them, "When you left thePhilippines
I taught them how to live simply and ruthlessly save 20% of their income.
Because unless they do this, they will be forever trapped inHong Kong
Look at your life.
Are you living simply?
Are you saving 20% of your income?
Step #6: Be Financially Intelligent
I also taught them where to invest.
I told them, "It's not enough to just save. You need to know where to put your money. Because savings accounts at 1% and time deposits at 5% won't do. Inflation - which is at 7% - will simply eat them up."
So I taught them about mutual funds and other investment vehicles, including the ability to sell something and get into business.
Here's the truth: The more you know about money, the less time you need to make money. So the more time you have for your family.
Actually, a time should come when you don't need to make money. Instead, you let money make money. And that requires financial intelligence.
Read. Attend seminars. Look for mentors.
Go Home.
After giving my talk, I took a deep breath and told my audience inHong Kong , "When you follow these principles and have saved enough - please go home. Please go home to your children."
I made a lot of people cry that day.
I'm telling you the same thing.
Oh yes, you may be living with your family in one house, but it's possible that your heart is so far away from your spouse and kids - and they are far away from you as well.
You need to let your heart go home.
Go home my friend.
Your heart belongs there.
By Bo Sanchez
We were going to
That was when we heard the crying.
Correction. Not crying. But spine-chilling, lung-busting screaming. Two kids were holding onto their mother. They were separated by four-foot tall steel bars. But to those distraught children, those steel bars represented two years of being without their mother - the contract of a domestic helper in
Four small arms clutching, grabbing, not letting go.
The whole world heard their pleading scream, "Mommy, please don't go! Please don't go!" I'll never forget the mother's pained, tortured face - as though a knife was ripping through her body. My wife cried openly. I wept inside and held onto my kids more closely.
That was two days ago. Yesterday, the story continued...
Those Small Arms Continue to Reach Out Yesterday was Sunday.
And I walked around Central.
If you don't know Hong Kong, Central is where thousands upon thousands of Filipina Domestic Helpers congregate. They sit on sidewalks. They sit on overpasses. They sit by storefronts.
I walked passed one woman who was reading a handwritten letter.
The handwriting was obviously a child's penmanship.
I walked passed another listening to a little cassette player - not to listen to music - but to a voice of a kid telling stories.
But what broke my heart was the news given to me by Shirley, the head of one organization that tries to help them get financial education. I was shocked by what she said. "Brother Bo, out of our 700 members who are married, 80% is already separated from their husbands."
Families aren't designed for prolonged separation.
They're not just made for that.
We're supposed to spend time together.
6 Steps to Spending More Time with Your Family No Matter How Busy You Are
"Bo, why are you telling me this? I'm not in
Listen. Yes, you're not in
But if you don't have time for your family - and your heart is not focused on them - you might as well be in another country.
You could be physically present - but are you emotionally present as well?
Let me share with you six important steps you could take to become more emotionally present with them...
Step #1: Be Close.
I'm still in
It's five in the morning as I type this article in bed. And my little family is literally around me because we're all sleeping on one bed. Yes, we've become one mass jumble of intertwined humanity - our limbs, legs and arms crisscrossing each other. And that's when I realize - gosh, I don't know how blessed I am.
Why?
Here I am with my family. I feel their skin. I smell their scents. We're so close, I feel their breath.
And yet I'm surrounded by 148,000 domestic helpers here in
And for those who've separated - forever.
Let me say it again: We don't know how blessed we are.
We complain that our families are nutty. But we don't understand how blessed we are to have them close enough to experience their nuttiness. We complain about our petty quarrels, our cold wars, our dysfunctionality.
But whose family isn't dysfunctional?
I've talked to some people here in
You need to know how precious your family is - and treat them that way. You need to see them as your true wealth - that nothing is more precious than your relationships.
Step #2: Be Deliberate.
Because you need to protect this treasure or they get stolen from you. No matter how busy I am, I schedule a weekly romantic date with my spouse.
Yes, I actually write it down in my appointment book and treat it like a meeting with the President of the
Why? Because if my marriage fails, everything else stands to fail as well: My ministry, my businesses, my soul... So it is an emergency that I bring her out every week.
I also schedule a weekly date with my kids.
I believe parents need to do these one-on-one dates with each of their kids. Unless of course you've got 18 children and may need to bring them out by two's or three's.
Sometimes my son and I just walk around the village and talk.
It doesn't have to be big. But swapping stories and opening our hearts to one another on a consistent basis is already very big to them. It means they matter to you - that you value them - and you'll see their self-esteem grow.
Step #3: Be Expressive.
I tell my wife "I love you" seven times a day.
I hug my kids countless of times a day.
At night, I tell my kids, "I'm so proud you're my son. I'm so proud I'm your Daddy. You're a genius. You're a loving boy. You're an incredibly gifted young man..."
This is true. I have met 40-year olds who long to hear these words from their parents - "I'm proud of you," and feel an empty space - like a gaping wound in their souls because their parents have never told them this.
Don't do that to your kids.
And before I forget: Praise your kids seven times a day.
And praise your spouse seven times a day.
I'm not kidding. It will revolutionize your marriage.
If I say, "Criticize your spouse seven times a day," I bet you'd say, "Kaunti naman. I do that already." But that's the problem. We don't realize that when we criticize our spouses, we actually destroy our marriage bit by bit - not just our spouses.
But when you praise and honor your spouse - you build up your marriage.
It can be very simple stuff:
Ang sarap ng luto mo ngayon, Hon.
I thank God He gave you to me.
You're so hardworking.
I love it when I see you play with the kids.
You know how to make me happy.
Ganda mo ngayon.
Keep on doing this and you'll see changes in your life and your marriage you thought were not possible.
Let me say it again: Praise your spouse - and your children - seven times a day.
Step #4: Be Deep.
Your weekly dates shouldn't just be watching movies, eating out and going home.
Talk deep.
Talk about your feelings.
Enter into each other's worlds. Dive into each other's dreams, hurts, desires, worries, hopes and burdens.
When you open yourself up to your spouse or your child, there are more chances for the other person to open up to you.
Step #5: Be Simple
Yesterday afternoon, I preached to 700 people in
I usually give my talks for 45 minutes. That's been my trademark. But yesterday, I gave a solid two-hour talk. Vein-popping, heart-pounding, passion-driven talk - because I had a burden in my heart.
Because I preached on Financial Literacy.
I challenged them, "Raise your financial I.Q.!"
I scolded them, "When you left the
I taught them how to live simply and ruthlessly save 20% of their income.
Because unless they do this, they will be forever trapped in
Look at your life.
Are you living simply?
Are you saving 20% of your income?
Step #6: Be Financially Intelligent
I also taught them where to invest.
I told them, "It's not enough to just save. You need to know where to put your money. Because savings accounts at 1% and time deposits at 5% won't do. Inflation - which is at 7% - will simply eat them up."
So I taught them about mutual funds and other investment vehicles, including the ability to sell something and get into business.
Here's the truth: The more you know about money, the less time you need to make money. So the more time you have for your family.
Actually, a time should come when you don't need to make money. Instead, you let money make money. And that requires financial intelligence.
Read. Attend seminars. Look for mentors.
Go Home.
After giving my talk, I took a deep breath and told my audience in
I made a lot of people cry that day.
I'm telling you the same thing.
Oh yes, you may be living with your family in one house, but it's possible that your heart is so far away from your spouse and kids - and they are far away from you as well.
You need to let your heart go home.
Go home my friend.
Your heart belongs there.
To anyone who might be interested.
Be part of something special with IMG.
* Innovative Target Market
...* Unique concepts in Financial Services Industry
* Great support
* Driven Leadership
* Right moment
* Learn how money works.
JOIN. OWN. SHARE.
"We learn by example and by direct experience because there are real limits to the adequacy of verbal instruction." -- Malcolm Gladwell, Blink: The Power of Thinking Without Thinking, 2005
For more information, please visit: http://www.img-corp.com/index.php
If interested, PM or text me.
Be part of something special with IMG.
* Innovative Target Market
...* Unique concepts in Financial Services Industry
* Great support
* Driven Leadership
* Right moment
* Learn how money works.
JOIN. OWN. SHARE.
"We learn by example and by direct experience because there are real limits to the adequacy of verbal instruction." -- Malcolm Gladwell, Blink: The Power of Thinking Without Thinking, 2005
For more information, please visit: http://www.img-corp.com/index.php
If interested, PM or text me.
I woke up this morning hearing my father shout in worry, “Huwag kang pumunta dyan, baka mahulog ka. (Don’t get there, you might fall.)”
It was Ianne, my two-year-old niece who climbed up the roof in a hurry from our second floor window, walking near the edge to reach the fruit from the guava tree. I was just so thankful that she was not hurt.
One good thing about being children is that they have fewer worries than adults do. An adult, with a more complex understanding on the causes and effects of things, would sometimes hesitate to pursue what he likes because of the fear of failing or getting hurt.
In some aspects of my life, I think I need to re-live the child in me.
It is the battle between comfort and achievement. It was the battle within me, which I never thought have existed.
“Get out of the box,” one of the many lessons I’ve learned from most of the writing seminars and meetings I’ve attended during college. I was even moved by the challenge of defeating “my own monster” which cripples me from doing my endeavors.
My blog “Burning Matchsticks”, tells a story of the same lesson I’ve learned from a priest when I was in fourth year high. In order to burn the whole matchstick, I must take the risk of getting my fingers hurt.
During the performance evaluation meeting I’ve sit in with my boss last week, he told me something like this, “You’ve done a tremendous job last year. You are one of the most talented people in the group. You just have to focus on your self development and step out of your comfort zone.”
He nailed it. Comfort Zone. That was the word.
How many times do I have to learn and re-learn this lesson? It has knocked my doors several times, was let in, was given an intimate welcome, but was not given a good stay. It goes out again, and eventually comes back with the hope that I had a wider lounge where it can sit pretty and feel at home. Most of the time, it walks out desperate.
On the other side of the room, I remain cornered by the four walls I myself has built. Yes, I am a prisoner of words unsaid… of things undone. I’m a prisoner of my own monster I myself has unconsciously nurtured.
The New Year has long been gone, but the syndrome is still with me. (Or it may be just another sign of the so-called Quarter Life Crisis. I don’t know.) Lately, I’ve been spending long hours a day, over-analyzing what to do with my life. I just felt everything is so messed up that there’s no other way to get out of it but to throw everything.
I want to venture to a new business. I want a new career. I want to go abroad. I want to attend self development seminars. I want to save money. I want to lose weight. I want to try things new….and the long list goes…endlessly. From a moment to another, the number of wants and needs increments and I realize, I haven’t crossed out anything yet.
I know, goal setting is another story.
Let’s just say that goal setting is solved. Then comes the start of the biggest challenge, to BEGIN. With all the fears and worries carried within our imaginary backpack, it takes big leap to commence. And this is where I am now. Hopefully I can move forward.
Ianne might be thinking, “There’s no way of getting that guava fruit if I’d just look at it.” And so I think, I can’t write and express anything by just staring at the blank piece of paper or computer screen. To light a matchstick, I’d need friction. To maintain the light, I’d need to endure a bit of pain. To excel, I’d need to take risks.
I’ve lots on my mind to write, but I forgot some. Nevertheless, I’m proud I was able to write another blog after a long time of being silent. I was under the fear of writing and not making sense at all, or writing and being criticized. At least, I started again. At the very least, I made it.
Partial Success or Total Failure? I’d rather go with the first one.
Let me end this with an excerpt from a poem.
“I used to have a comfort zone
where I knew I wouldn’t fail.
The same four walls and busywork
were really more like jail.”
— Author unknown, My Comfort Zone
Photo from: asads.wordpress.com
It was Ianne, my two-year-old niece who climbed up the roof in a hurry from our second floor window, walking near the edge to reach the fruit from the guava tree. I was just so thankful that she was not hurt.
One good thing about being children is that they have fewer worries than adults do. An adult, with a more complex understanding on the causes and effects of things, would sometimes hesitate to pursue what he likes because of the fear of failing or getting hurt.
In some aspects of my life, I think I need to re-live the child in me.
It is the battle between comfort and achievement. It was the battle within me, which I never thought have existed.
“Get out of the box,” one of the many lessons I’ve learned from most of the writing seminars and meetings I’ve attended during college. I was even moved by the challenge of defeating “my own monster” which cripples me from doing my endeavors.
My blog “Burning Matchsticks”, tells a story of the same lesson I’ve learned from a priest when I was in fourth year high. In order to burn the whole matchstick, I must take the risk of getting my fingers hurt.
During the performance evaluation meeting I’ve sit in with my boss last week, he told me something like this, “You’ve done a tremendous job last year. You are one of the most talented people in the group. You just have to focus on your self development and step out of your comfort zone.”
He nailed it. Comfort Zone. That was the word.
How many times do I have to learn and re-learn this lesson? It has knocked my doors several times, was let in, was given an intimate welcome, but was not given a good stay. It goes out again, and eventually comes back with the hope that I had a wider lounge where it can sit pretty and feel at home. Most of the time, it walks out desperate.
On the other side of the room, I remain cornered by the four walls I myself has built. Yes, I am a prisoner of words unsaid… of things undone. I’m a prisoner of my own monster I myself has unconsciously nurtured.
The New Year has long been gone, but the syndrome is still with me. (Or it may be just another sign of the so-called Quarter Life Crisis. I don’t know.) Lately, I’ve been spending long hours a day, over-analyzing what to do with my life. I just felt everything is so messed up that there’s no other way to get out of it but to throw everything.
I want to venture to a new business. I want a new career. I want to go abroad. I want to attend self development seminars. I want to save money. I want to lose weight. I want to try things new….and the long list goes…endlessly. From a moment to another, the number of wants and needs increments and I realize, I haven’t crossed out anything yet.
I know, goal setting is another story.
Let’s just say that goal setting is solved. Then comes the start of the biggest challenge, to BEGIN. With all the fears and worries carried within our imaginary backpack, it takes big leap to commence. And this is where I am now. Hopefully I can move forward.
Ianne might be thinking, “There’s no way of getting that guava fruit if I’d just look at it.” And so I think, I can’t write and express anything by just staring at the blank piece of paper or computer screen. To light a matchstick, I’d need friction. To maintain the light, I’d need to endure a bit of pain. To excel, I’d need to take risks.
I’ve lots on my mind to write, but I forgot some. Nevertheless, I’m proud I was able to write another blog after a long time of being silent. I was under the fear of writing and not making sense at all, or writing and being criticized. At least, I started again. At the very least, I made it.
Partial Success or Total Failure? I’d rather go with the first one.
Let me end this with an excerpt from a poem.
“I used to have a comfort zone
where I knew I wouldn’t fail.
The same four walls and busywork
were really more like jail.”
— Author unknown, My Comfort Zone
Photo from: asads.wordpress.com
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