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