Sunday, December 7, 2014

Inspirational Quotes on Rainy Days

Work has been suspended a while ago due to typhoon Ruby. 

I believe that in our lives, we are going through different storms. Here are some inspirational quotes:

We all face storms in life. Some are more difficult than others, but we all go through trials and tribulation. That's why we have the gift of faith.
-Joyce Meyer

I'm not afraid of storms, for I'm learning how to sail my ship.
-Louisa May Alcott

I have seen many storms in my life. Most storms have caught me by surprise, so I had to learn very quickly to look further and understand that I am not capable of controlling the weather, to exercise the art of patience and to respect the fury of nature.

-Paulo Coelho

There is only one secure foundation: a genuine, deep relationship with Jesus Christ, which will carry you through any and all turmoil. No matter what storms are raging all around, you'll stand firm if you stand on His love.

-Charles Stanley

God has also promised us that He will always be with us.
Matthew 8:23-27
And when he got into the boat, his disciples followed him. And behold, there arose a great storm on the sea, so that the boat was being swamped by the waves; but he was asleep. And they went and woke him, saying, “Save us, Lord; we are perishing.” And he said to them, “Why are you afraid, O you of little faith?” Then he rose and rebuked the winds and the sea, and there was a great calm. And the men marveled, saying, “What sort of man is this, that even winds and sea obey him?”

Psalm 107:29 
He made the storm be still, and the waves of the sea were hushed.

Hebrews 12:18
You have not come to a mountain that can be touched and that is burning with fire; to darkness, gloom and storm.

This day is also the Feast Day of Immaculate Concepcion, and I believe that Mama Mary will intercede, as God will calm the storm. 

Be safe everyone! God bless!

Be safe everyone! God bless!

PS. Are you going through a storm in your financial situation? Our team, Truly Rich Makers - IMG is conducting a Free Financial Management Seminar and Workshop in Makati. This is a limited slot only. Register now for FREE! :) 

Sunday, November 9, 2014

"Thank You Notebook" for Abundance Mindset

Few months ago, we attended a seminar of Miss Sha Nacino, a great young motivational speaker. What captured me most from her seminar is what she calls the "Thank You Notebook". She told us to take note of the blessings, may it be big or small, that we receive.

Photo Credit:

I followed her advice. For several months now I have been writing on my Thank You Notebook, and here are what I learned from doing it:

If we're not grateful, negative vibes might get on our way

From the moment we wake up, we are already been blessed. But most of the time, we never felt grateful to every single gift we receive from God. When we fail to see the beauty of life, we tend to have low esteem that attracts all the negative vibes in the world!

If we become grateful, we attract more blessings!

I bet you don't want bad vibes on your life, do you? If we want to magnetize more blessings, we must always appreciate every thing God give us. Having a Thank You Notebook is a way of appreciating and remembering every single blessing you have. 

If we remember the blessings we receive, we will be inspired to keep going on our lives!

My Thank You Notebook serves as my record of God's blessings. I realized how blessed I am as my record goes on and on! And because of that, I get more inspired each day. I get excited to receive more blessings! I look forward to more "records" to be written on my Thank You Notebook! :)

How about you? What are the things you need to be thankful for?

Life is soooo ABUNDANT! Go get your notebook now and start writing down the blessings you have! :)

PS. My team is conducting a Free Financial Seminar where we help people learn how to manage their own money, and make them financial literate. We invite you to this event! Click on the link and register for this FREE event: Abundance

This might be an entry to your Thank You Notebook! :)

Tuesday, October 28, 2014

How to Spend your Sembreak Vacation Meaningfully

Sembreak is one of the most awaited period of most students, especially those busy college students! But when this period approaches, it seems that the days just passed by. Most students were not able to maximize their long vacation.

Create a schedule of your planned activities. You have one or two weeks to spend (minus the days you need to get your grades and enroll for the next semester), so it is good if you have the list of what you want to do.

You don't need to spend too much money to enjoy this short vacation. Some youth even make money during vacations!

Here are some tips on how you can have a valuable sembreak vacation:

1. Visit your old classmates and friends

After highschool graduation, some of your barkadas have gone through different schools to pursue your different preferred courses. This could be a good time for your mini reunion. Just a simple kamustahan or overnight movie marathon will be fantastic!

2. Attend relatives

Since sembreak includes All Saints and All Souls day, it is good to visit not just your beloved ones who passed away, but also those relatives who live far from your places.

3. Write reflection

Recall your achievements on the first semester. Also acknowledge your weak points, and think of ways how you can improve yourself.

4. Read books

I know this might sound boring to some youth out there, but I encourage you to read books. Fiction (fantasy novels) will make you relax and "out-of-this-world". Non-fiction and self-help books will make you see deeper the beauty of life. Choose books that will give value to you.

5. Prepare for your subjects on the next semester

Yeah, this is more boring than the previous one, you might think. But if you want to pass all the subjects on the next sem, you should take them seriously. This short vacation is nice time to prepare. I'm not telling you to spend all your days to study. Maybe 3 to 5 days will do, depending on you.

6. Do something you have missed

You have been busy on your studies before, so this is a great time for you to do those things you missed - play instruments, do outdoor activities.

7. Volunteer

The universe need your help each day. There are lots of blessings you can receive if you volunteer. You can be a choir, lector, server in your church.

8. Look for something you can earn from

If you have a not-so-busy schedule for the next sem, maybe you can be a working student! Start looking for a part time job this short vacation. I started doing an online writing job (part time) in October 2011, during our sembreak too.

With these tips, I hope you can have more meaningful sembreak!

PS. Our team is conducting Free Financial Management Seminar in Makati. We teach people how to manage their own money. From our seminar, you can learn how to manage you baon! Last August, students from Batangas State University have visited us. Click the link to learn more: Truly Rich Free Seminar

Hope you have a sembreak vacation full of abundance! :)

Saturday, October 25, 2014

7 Tips on How to Maximize your Budget this Season

Christmas day is coming! Of course, everyone wish to celebrate the birth of Jesus with happiness and grace! So how will you budget for the coming of this season? :)

Take note that you don't need to have too much money (but good if you have plenty!) to enjoy this season. It's a matter of how you plan and budget so you can maximize your resources and have more fun!!!

Photo Credits:

Let me share with you some tips for your budget this season! :)

1. Birthday gift to Jesus

I have learned this abundance formula from Bro. Bo: 10-20-70.
That means, you separate 10% of your monthly income and give it back to God. I know that most of us receive our 13th month pay and/or Christmas bonus. I encourage you all to give the 10% as your birthday gift to Jesus :) After all, He is the reason for this beautiful season!

2. Make a list of Christmas presents

It is one of the Philippine's cultures to give gifts during this Season, especially for their inaanak (godchild). Aside from gifts to your godchildren, you may also wish to give gifts to your family and friends, if you have extra money for it.

I suggest that before you go shopping, prepare a list of the people you will be buying gifts for. This will also make you shop faster, without forgetting anything. 

3. Know what gift to buy

Most people, especially kids, don't look at the price of the gifts they receive. Kids often appreciate gifts that they love to play with. So if possible (especially if you have limited budget), do some research about what the kid wants to receive. You can ask your kumare or kumpare (parents of your godchild) what your inaanak love.

You may have bought an expensive walking Elsa (of Frozen) doll, but your inaanak seems to like Anna. 

4. Shop earlier

If you already have the money, better go shopping for the gifts while people are not yet rushing. Divisoria in Manila is one of the best place to shop because of its affordable price. You just need to find a good quality. But as the season approaches, more people will be rushing on the place. So if possible, shop earlier so you can avoid the season's rush. 

In addition to that, most Divisoria vendors are most likely to give discounts at the month of October up to November than in the month of December, when the demand is greater during the passed 2 months.

5. Check stores where you can buy cheaper yet interesting gifts

Nowadays, most stores have websites or Facebook page. You can also check their gift prices, and compare them with other online outlets. 

Big malls such as SM and Robinsons also declares 3-day-sale. You can find good gifts at lower prices during those days. You may check their schedules online.

6. Try to visit Christmas Bazaars

Christmas bazaars open only during the Season (obviously!). Bazaars have different schedules and venues, so better check online first. Bazaars have cool items, and most even come at cheap prices.

7. Use discount coupons and gift checks

Companies, especially those with memberships, often give discount coupons, holiday promos and gift certificate to their regular customers. Some people don't value much these incentives. If you receive these, be grateful! :) I often receive coupons from restaurants. Coupons that will give you freebies when you buy a certain amount, and it feels good to have some freebies!! :)

Well, that's how I maximize my not-so-big budget :P
I hope I helped you make your own budget too :)

P.S. By the way, my team IMG - Truly Rich Makers is conducting Financial Literacy Seminar in Makati, for FREE!!! Click this link to learn more: Financial Literacy 101

Saturday, October 18, 2014

6 Filipino Beliefs that Hinder you from Investing (Part II)

Filipinos have different views about money and investing. On my previous article, I shared with you 3 common Filipino beliefs about money. Those three are beliefs that connected with religion and faith.

Now, let me share with you another 3 common beliefs that make Filipinos never invest for their future. I also shared my views about this belief, and why it should never be believed in anymore…

“I don’t want to lose money!”, “I’m afraid of losing.”

Most Filipinos are afraid of losing. They don’t want to “give away” their money on any investment because of the fear of what might happen. Maybe because in their past, they have been scammed on an investment. Or maybe the companies they have invested to have been broke.  Or their friends or neighbor experienced such.
Well, those are just mistakes that made them lose portion of their money. But Robert Kiyosaki said in their (co-author with Donald Trump) book Midas’ Touch, that in order to be successful, you must learn how to turn your bad luck into good luck. For every failure you have done, you must have learned something new that will make you into a better person.

Both Robert Kiyosaki and Donald Trump have failed. And they are not afraid of failing again so they keep on moving! Look at them today, they belong to the richest men in the world.

Do you think investors like losing their money?

Of course not!

Successful people always have positive attitude when they fail. They use their failure as an inspiration. They are not afraid of losing, but they hate losing. So what do they do when they lose?
They study. Then study again.

They might lose their money, but never their determination, hope and focus.

You might lose some money before, but never shall you lose your determination and focus.

“It’s just another expense.”

Filipinos are known to be “kuripot” or thrifty. In terms of consumption, most Filipinos prefer the cheaper ones. They want to save as much as they can. But they don’t want to invest their money. They only want to keep their money. When you suggest to get an insurance, all they can see is just an additional monthly expenses. They do not appreciate the future bigger value of the money they call “expense”.

These people do not know the principle of paying yourself first. After getting their salary, they immediately pay the bills. But never pay for their future needs, through investment.
My friend, investing is not an expense! It’s too different from your monthly bills. Your money that goes to your investment is still yours, but not the monthly bills you are paying.

“I’m not good in numbers. I can’t understand graphs and charts.”

Many Filipinos chill when they encounter mathematics. When it comes to money and investing, they often think of it as numbers and figures, which they think they will never understand.
In reality, investment speaks numbers but far differ in mathematics at schools.

If you want to invest, you don’t need to master the language of investing. You just need to understand it, but never need to spend most of your life analyzing the numbers, graphs and charts.
I suggest to get a mentor when you want to start your investment. Our mentor is Bro. Bo Sanchez, and with the help of his team Truly Rich Makers we are continuously learning how to invest the right way! J

Philippines has many hidden treasures.  In this modern day, the Philippine economy is growing. You can take advantage of our booming economy, just take time to study how. There is a massive amount of treasures waiting for you, if only you put away those Filipino negative beliefs about money and investing! Start investing today and achieve your financial freedom! :) Attend free financial seminar! Register here: Truly Rich 101

Monday, September 29, 2014

Receiving Dividends from Big Companies!

Yesterday, after attending my cousin's wedding, I checked my email and got a message from my online stock broker telling me that I got dividend from ALI (Ayala Land Inc.), one of the big companies which I bought shares from.


So what is a dividend anyway?

An investor can earn from stock market in two ways: through price or capital appreciation, and through dividends

You earn through price or capital appreciation when the value of the stocks you bought increase. 

Dividends are "extra incentive" or "bonus" given by the companies to their shareholders when the profit is good. In the world of stock market, not all publicly listed companies are giving dividends. There are some generous companies that give this kind of reward to their shareholders. The dividend also attracts investor to invest in their company, and buy more shares. The dividends depend on the number of shares you own. The more shares you have simply means greater dividend you will receive!


How do you compute your dividend?

In the Philippines, there are three types of dividends: cash dividends, stock dividends, and property dividends.

Cash dividends (which I received from ALI) is the most common type, in which the company gives extra cash to its owners. You just multiply the cash dividend announced by the company to the number of shares you have. Let's say the company declared Php 0.10 dividend per share, and you own 200 shares of that company. That means, you get Php20.00 (less the withholding tax).

Stock dividends are those additional shares given to the owners. If the company give you 10% stock dividend and you own 200 shares, that means you will get additional 20 more shares. Your total shares will now be 220.

Property dividends are the rarest form given by companies. These are other assets such as share from subsidiary companies, or other tangible products.

I'm happy that I started investing in the stock market few months ago! With the help of my mentors, I can see that my investments are getting better :)

I wrote this blog in hope of encouraging Filipinos to start investing in the stock market NOW! 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. Click here to learn more✔✔

Stock market is just one of the best sources of your passive income (through investments). There are lot more vehicles that you can ride on to your financial freedom journey. If you are a new investor in the stock market, or planning to start investing, I encourage you all to attend the Free Financial Seminar conducted by the Truly Rich Makers Team! Our team, Truly Rich Makers - IMG is conducting a Free Financial Management Seminar and Workshop in Makati.This is a limited slot only. Register now for FREE! :)
 Click here to register--> Financial Literacy 101

Happy Investing! :)

Wednesday, September 24, 2014

6 Filipino Beliefs that Hinder you from Investing (Part I)

The Philippines are rich in cultures. There are many Filipino beliefs about anything under the sun, which even until today are still being believed by many folks. Sometimes, beliefs are becoming part of Filipino lives. Some beliefs do not give much impact to anyone, but some can give a big impact to someone who believes it - like Filipino beliefs about having lots of money.

Let me share with you the 6 most common beliefs of Filipinos when it comes to money and investing.

These first three are somewhat religious beliefs, and the other three (which I will share on my next blog) are beliefs that based on their experience or from other people’s experience.

“Being rich means taking the side of the devil.”

We can’t deny the fact that many Filipinos believe that richness can make them evil. This mindset arose during our early history when rich people enslave poor people, not only here in the country, but also every part of the world. Every country had their histories which rich people are always powerful, and the ones who control and torture poor people for their entire lives.

That is the main reason why Filipinos never invest. They “do not” want to be rich because they do not want to be “bad”. They are afraid that they may become bad, or their friends will think they’re bad.

So instead of investing their money, they simply enjoy life.

But if you open your eyes, there are many rich people who are helping poor people to be blessed by sharing their richness.

These are the Truly Rich people. They are rich in all the aspect of their lives.

Don’t think that money evilMake money as an instrument to help other people!

“Let God handle your future.”

Yes, it is very true that God is always there for us – yesterday, today and tomorrow! So does it mean we just have to relax, live and wait for tomorrow?


God will take care of us, but we are also responsible for ourselves too. God gives us His blessings today, and He makes us His steward. It is our duty to take care of the gifts He had given us.

I remembered during college days, I heard a talk about treasure. The speaker preached that if we really trust God, we will not need insurance or any other life plans. Then the audience applause, as if they all agree to what the man preached us. I wasn’t convinced on that, but somewhat confused.

Then I found an article from Bro. Bo, where he compared investment to a spare tire. Very well said. If you are going to travel, won’t you have an extra tire? Will you say, God will make a way when your tire get deflated? Maybe He will send someone to help you out. But would it be better if you can help yourself, instead of waiting for the help of others?

Also, investment is like a fire exit. Every establishment should have at least one fire exit. This fire exit is just designed so people could be saved during the unexpected event.

Of course nobody wishes to get flat tire while traveling, or break a fire on a certain establishment. But at least, when that happens, you got the protection.

I believe that investment and insurance are God’s gifts for people. God wants you to manage your wealth today and prepare for your future by means of investing.

“Whenever I have saved some money, one of my family members got ill.”

This is a funny belief of many Filipinos. They don’t want to save because when they had savings, one family member will get sick. They think that it is a “curse” for having such extra funds that you really don’t need.

Especially when talking about HMOs, they think that they are inviting sickness to come to them when they have health card.

Do you think God will “curse” or “punish” you when you save something good for your future?

Probably NOT.

Instead of having this silly thought, why not think it the other way around?

Think of it as a blessing from God. It is normal to be sick sometimes, and you must have the feeling of gratitude because you have savings or health card for your health needs, instead of cursing those God-given money that will save you!

God loves us. He gives us wealth so we can give love to other people too. Never think money is evil, instead use money to help more people!


Be a good steward of God's treasures! :)

Learn how to invest and grow your money the right way! We are providing Free Financial Coaching conducted by Bro. Bo Sanchez' Truly Rich Makers Team!

Monday, September 15, 2014

Would you buy the new iPhone 6?

Recently, Apple Inc. has released its latest smartphone, iPhone 6. The topic has been on a hot spot for couple of days, and has nearly dominated my Facebook newsfeed!

If I were to ask you, would you buy an iPhone 6?

Why would you? Why wouldn't you?

Personally, I believe there is nothing wrong in buying iPhone 6 for my own pleasure. 

I think I would buy an iPhone 6 because...

   I think I deserve it. 
   It would be my "gift" for working so hard.
   I can use its features for my pleasure.

BUT I think if I buy an iPhone just for my own pleasure, I am just being selfish.

   Do I really need this?
   Is this the only gift I can give for myself?
   Is this the only smartphone or gadget I can use?

Based on most online gadget stores I have visited, iPhone 6 will be sold for about Php 30, 000 to Php 45, 000 in the Philippines.

If you buy this cool gadget, it would only last for about a year. Next year, Apple Inc. might release iPhone 7. So your iPhone 6 and other lower versions of iPhones will become outdated and obsolete. 

You should not buy an iPhone 6 right now if... are a practical and smart buyer

In this time around, the prices of iPhone 5 and other lower versions have become cheaper compared to their launching prices. But definitely, their qualities and features are still the same.

If you badly want (or you think you need) that iPhone, why would you buy it while it's hot? Let the burning meat cool down before chewing it ;) I believe that will be more practical. do not have an IPON (savings) yet

iPhone 6 is expensive, but people buy it even if they don't have savings. Credit cards swiped aggressively for this new gadget, then later regret it when an emergency happens, and you don't have enough penny in your pocket.

If you have that Php 45, 000 for the iPhone 6, why not save it and invest it. If you put your 45k in an investment vehicle that earns 12% per year, after 6 years, it will doubled to Php 90, 000! That principle is called "the rule of 72" by Albert Einstein.

If you want to learn more about basic principles about investments, attend Truly Rich Makers Free Financial Seminar.

P.S. I am not against buying iPhone 6 or any latest gadgets. I just want to encourage everyone to learn how to manage your money well, and learn to prioritize savings and investments before buying your wants. :)

Friday, August 15, 2014


Bro. Bo Sanchez is actually recommending these seminars because we always do it on Thursday and Saturdays. And because August 21 is Ninoy Aquino Day. It is HOLIDAY you should ATTEND the FREE FINANCIAL COACHING SEMINAR by the Bo Sanchez TRULY RICH MAKERS - IMG.


Venue: 9th floor, Kingscourt 1, Chino Roces corner Dela Rosa St., Makati City

Are you EXCITED on what you will learn in this seminar? IF YOU ARE EXCITED THEN REGISTER IN THE FORM BELOW!

Financial Blueprint Strategies

- The Six (6) Steps to Financial Security/Freedom
- Rule of 72 in Investing
- The X-Curve Concept: The Blueprint of Financial Planning
- 4 major needs to complete Financial plan
- Wealth Calculator
– How Money Works and How it can Work for You
– How to Build a Solid Financial Foundation
– How to Create Millions with P1,000/month investment
– How to Become Your Own Financial Expert/ Adviser / Coach

The Truly Rich Makers team will conduct this seminar. Please note that Bro. Bo will NOT conduct the talk instead the TRM team.

Please register your name, occupation, email address, age, chosen date/time of seminar and mobile phone in the form below. Bring your family and friends! Support our Mission And Advocacy! Looking forward to seeing you.

Contact Charlon to reserve you a seat: 09436276315


This seminar is conducted by the Truly Rich Makers Team- International Marketing Group headed by Bro. Bo Sanchez' Wealth Circle Financial Mentors Fely and Benj Santiago.

Monday, July 28, 2014

What is Truly Rich Makers Team?

We have a great ratings and review to IMG, one of the leading financial service industry in the Philippines , where you don't just learn, you also have the environment to save and invest. Watch the videos to learn!
Bro. Bo is also inviting you.

TRM-IMG's Free Financial Coaching Seminar and Workshop



Wednesday, July 9, 2014

Parents, Teach your Kids on Finances While They are Young

Robert Kiyosaki, world renowned author is giving away free E-books, now he is giving away from the Rich Dad Series, the 
Rich Kid, Smart Kid. :) We Filipinos need to be in pace with the current information age as the industrial age is now an obselete age.

Photo (c)

A good review from 

In the Information Age, a good education is more important than ever. But
the current educational system may not be providing all the information
your child needs. This book was designed to fill in the gaps: to help you
give your child the same inspiring and practical financial knowledge that
Robert Kiyosaki's rich dad gave him. Rich Dad's Rich Kid will show you how
to awaken your child's love of learning using the same methods that
Robert's smart dad used to help Robert stay in school, even though he had
bad grades and often wanted to drop out. And Rich Dad's Rich Kid will open
doors that you never knew existed, enabling you to pass down the skills and
understanding your child will use for the rest of his
or her life.

We are also recommending you to attend the FREE Financial Coaching Seminar by the Bo Sanchez Truly Rich Makers-IMG in Makati, you learn many concepts such as the Rule of 72, X- Curve Concept, 6 Steps to Financial Security.

To download the book, go to

Experience abundance!

Friday, June 27, 2014




This is the time of the year when most of the employed Pinoys receive their salary bonuses. You can call it Mid-year bonus, 13th month pay, Extra Salary Bonus, and some employee also receive up to 16th month pay up to 20th month pay to exaggerate! Many wildly wait for the wonderful blessing of this extra paycheck. “Yehey! Bonus na!” (Yehey! We got the bonus!”) , the next line is “Ano kaya bibilhin ko?”  (What will I buy?), “ Saan ko kaya gagamitin?” (Where will I use it?). Then Pinoy will go to the mall, search the internet, and BOOOM! He finally found the “cool” item he wants to buy or want to do. But the sad part of this is some our friend Pinoys fell into the “DECEPTION and SCAM” of the Mid-year bonus.

 Due to lack of financial intelligence and discipline many Pinoys fell into debt traps of this BIG TIME SCAM scheme. We will discuss the following reasons why MIDYEAR BONUS is a scam.

SCAM #1: They use their midyear bonus for a BINGE, UNPLANNED PARTY. Friend Pinoy spends his money to bar hopping, house party, etc. Because he is not used to having the extra money, he spend it right away and back to his normal state of living paycheck to paycheck. (Groan!)

SCAM #2: They use it for BUYING UNNECESSARY STUFFS; they buy house appliances and apparel, blender, microwave, shoes, jacket, rah rah rah! And they convince themselves that they really need that stuffs which they will only use for 3-5 times. Worst they did not use it at all! (Palm in the face!)

SCAM #3: They buy another gadget that they don’t really need at all because they just want to “SHOW OFF” to their colleagues that they “GOT IT”. They want to impress other people for the sake of their financial liabilities. STATUS QUO?

SCAM #4: And one of the GRANDEST SCAM that we will mention is our friend Pinoy use his precious mid-year bonus as a down payment for installment deals to buy some perks such as gadgets (cellphone, tablet, etc.) , cars, even houses and condo units. They have been hyped-up and emotionally pushed that they believe they really need it. Some even borrow money just to chip in for the down payment. Some of our fellow Pinoy without the proper mindset and conditioning as well as discipline fell into debt trap because they can no longer pay the monthly amortizations and fees of the “ASSET”.

SCAM #5: Another great scam is they think they know how to invest or risk their money in some quick-rich schemes, invest their money and in the blink of an eye. Or invest in investment vehicles without studying first the know-hows. BOOOOOM! Hard work money earned In, Fast Cash disappeared. I think you know what I mean.

The SCAMS that were listed above are just few of the many. Friend, my tips that I can give to you is invest in yourself. Yes! You, yourself is your greatest investment. And what may you have learned, apply it! “Education without execution is extinction” – Bo Sanchez
You should read books, read self-help articles to increase your financial IQ before you start venturing with investments.  You can also attend our attend our FREE Financial Coaching Seminar: Register for the FREE FINANCIAL COACHING


Experience Abundance: