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HOW TO START AN ARTIFICIAL INTELLIGENCE (AI) AND MACHINE LEARNING (ML) BUSINESS

2023-02-01T14:46:00.001+08:00

Starting an Artificial Intelligence (AI) and Machine Learning (ML) business or incorporating AI/ML into an existing business can be a complex process, but here are some general steps that can help you get started:

Identify a problem or opportunity: The first step is to identify a specific problem or opportunity that can be addressed using AI/ML. This could be anything from automating repetitive tasks to creating new products or services.
Gather and prepare data: Once you have identified a problem or opportunity, the next step is to gather and prepare the data that will be used to train and test your AI/ML models. This includes collecting, cleaning, and preprocessing the data.
Choose the right AI/ML techniques: Depending on the problem or opportunity you are addressing, you will need to choose the right AI/ML techniques and algorithms to solve it. Some common types of AI/ML techniques include supervised learning, unsupervised learning, and reinforcement learning.
Build and test your models: After you have chosen the right AI/ML techniques and algorithms, you can start building and testing your models. This involves using your prepared data to train the models, and then testing them to see how well they perform.
Implement and deploy your models: Once you have built and tested your models, you can implement and deploy them in your business or product. This can involve integrating the models into your existing systems, or creating new products or services based on the models.
Continuously monitor and improve your models: AI/ML models need to be continuously monitored and improved as new data becomes available and as business needs change.

It's important to note that starting an AI/ML business or incorporating it into your existing business requires a team with different skills and expertise such as data scientists, engineers, and business experts.

Additionally, it's important to stay updated on the latest developments and advancements in the field, and to comply with any legal and ethical guidelines. It's also worth considering the potential impact of your AI/ML solutions on society and taking steps to mitigate any negative effects.

BEST BUSINESS VENTURES IN TECHNOLOGY FOR 2023

2023-01-24T14:17:00.001+08:00

9 BEST BUSINESS VENTURES IN TECHNOLOGY FOR 2023

It is difficult to say which specific technology business will be the most successful in 2023, as

it will depend on a variety of factors such as market conditions, consumer trends, and the

overall state of the economy. However, some technology trends that may see growth in the

coming year include:

Artificial intelligence and machine learning

Artificial intelligence (AI) is a branch of computer science that aims to create systems that can perform tasks that typically require human intelligence, such as understanding natural language, recognizing images, and making decisions.
Machine learning (ML) is a subset of AI that involves training computer systems to learn from data and make predictions or decisions without being explicitly programmed.
In simple terms, AI is the concept of creating machines that can "think" and "act" like humans, while ML is the method of training machines to learn from data and improve their performance over time.
Machine learning algorithms can be divided into three categories: supervised learning, unsupervised learning, and reinforcement learning.
- Supervised learning involves training a model on a labeled dataset, where the desired output is already known.
- Unsupervised learning involves training a model on an unlabeled dataset, where the desired output is not known.
- Reinforcement learning involves training a model through trial and error, where the model receives rewards or penalties for certain actions.
AI and ML are being used in various industries such as healthcare, finance, transportation, and manufacturing, to automate tasks, improve decision-making, and gain insights from data.

5G networks and the Internet of Things (IoT)

5G is the fifth generation of cellular network technology, and it is designed to provide faster internet speeds, lower latency, and more reliable connections than previous generations of cellular networks.
The Internet of Things (IoT) refers to the interconnectedness of everyday devices, such as smartphones, appliances, and vehicles, that are connected to the internet and can communicate with each other.
5G networks can support a much larger number of connected devices than previous generations of cellular networks, making them well-suited to support the growing number of IoT devices.
5G networks can support data transfer rates of up to 10 Gbps, which is significantly faster than 4G networks. This makes it possible for IoT devices to transfer large amounts of data in a short time, which is important for applications such as real-time video streaming, virtual reality, and autonomous vehicles.
5G networks also have lower latency (the delay before data is sent) than previous generations of cellular networks, which means that IoT devices can communicate with each other and with other systems in near-real-time. This is important for applications such as industrial automation and remote control of equipment.
5G networks also have a greater ability to connect more devices at once, which means that a large number of IoT devices can be connected to the network at the same time. This is important for IoT applications such as smart cities and smart homes, where many devices need to be connected to the network.
In summary, 5G networks and IoT are expected to have a major impact on various industries, including manufacturing, transportation, healthcare and smart cities. 5G networks will provide the necessary infrastructure to support IoT devices, and will enable new and innovative applications and services to be developed.

Cloud computing and edge computing

Cloud computing refers to the delivery of computing services, including servers, storage, databases, networking, software, analytics, and intelligence, over the internet (“the cloud”) to offer faster innovation, flexible resources and economies of scale. Cloud computing allows users to access and manage their data and applications remotely, and it also enables businesses to scale their resources up or down as needed. There are several types of cloud computing models, such as Infrastructure as a Service (IaaS), Platform as a Service (PaaS), and Software as a Service (SaaS).
Edge computing, on the other hand, is a paradigm of computing where data processing and storage take place at the edge of the network, closer to the source of the data, rather than in a centralized data center. Edge computing allows for reducing the latency and bandwidth usage, and also allows for processing data in real-time, as well as reducing the amount of data that needs to be sent to the cloud for processing.
Cloud computing and edge computing can be used together to create a hybrid solution, where certain data and workloads are processed at the edge while others are processed in the cloud. This can help to optimize performance, reduce costs, and improve security.
Examples of use cases for edge computing include:
- Industrial IoT: Edge computing can be used to process sensor data from industrial equipment in real-time, allowing for predictive maintenance and improved efficiency.
- Autonomous vehicles: Edge computing can be used to process sensor data from cameras and lidar in real-time, allowing for real-time decision making and improved safety.
- Smart Cities: Edge computing can be used to process sensor data from cameras and other IoT devices in real-time, allowing for real-time decision making and improved safety.
In summary, cloud computing and edge computing are two different computing models that offer different benefits and use cases, and they can be used together in a hybrid solution to optimize performance, reduce costs, and improve security.

Cybersecurity and data privacy

Cybersecurity refers to the protection of digital information and systems from unauthorized access, use, disclosure, disruption, modification, or destruction. This includes protecting against cyber attacks, data breaches, and other cyber threats. Cybersecurity measures include things like firewalls, antivirus software, encryption, and secure protocols.
Data privacy refers to the protection of personal information and the control an individual has over their personal information. This includes protecting against data breaches and unauthorized access or use of personal information. Data privacy measures include things like data encryption, access controls, and data minimization.
Both cybersecurity and data privacy are critical for protecting sensitive information and maintaining the trust of customers, clients, and other stakeholders.
One of the major challenges in both cybersecurity and data privacy is the fast pace of technological change and the constantly evolving nature of cyber threats. Businesses and organizations must stay up-to-date with the latest security technologies and best practices in order to effectively protect their systems and data.
Some examples of cybersecurity and data privacy measures include:
- Encryption of sensitive data: This helps to protect data even if it is stolen or accessed by unauthorized parties.
- Use of secure protocols: This helps to protect data as it is transmitted over networks.
- Employee education and awareness training: This helps to ensure that employees are aware of security risks and know how to protect sensitive information.
- Regular security audits and vulnerability assessments: This helps to identify and address potential security vulnerabilities.
- Compliance with relevant regulations and standards such as General Data Protection Regulation (GDPR) and Health Insurance Portability and Accountability Act (HIPAA)
In summary, cybersecurity and data privacy are critical for protecting sensitive information and maintaining the trust of customers, clients, and other stakeholders. Businesses and organizations must stay up-to-date with the latest security technologies and best practices in order to effectively protect their systems and data.

Remote work and virtual collaboration tools

Remote work refers to the ability for employees to work from locations outside of a traditional office setting, such as from home or other remote locations. Remote work has become increasingly popular in recent years, driven by advances in technology and changing societal norms.
Virtual collaboration tools are software applications that enable remote workers to communicate, share information, and collaborate on projects in real-time. These tools can include video conferencing, instant messaging, file sharing, project management, and more.
The use of remote work and virtual collaboration tools has been accelerated by the COVID-19 pandemic, as many businesses have had to quickly adapt to a remote work model to keep their employees safe and productive.
Some examples of popular virtual collaboration tools include:
- Zoom, Microsoft Teams, and Google Meet for video conferencing
- Slack, Microsoft Teams and WhatsApp for instant messaging and team chat
- Dropbox, Google Drive and OneDrive for file sharing and storage
- Trello, Asana, and Monday.com for project management
Remote work and virtual collaboration tools can offer many benefits such as improved productivity, cost savings, and increased employee satisfaction, but it also brings new challenges such as communication and collaboration, security, and management of remote teams.
In summary, remote work and virtual collaboration tools are enabling businesses to keep their employees safe and productive, and they are becoming increasingly important as more people work remotely. Businesses must make sure that they have the right tools and strategies in place to support remote work and collaboration effectively.

Biotechnology and genetic engineering

Biotechnology is the application of technology to the study of living organisms and biological systems. It involves the use of living cells and their components, such as enzymes and antibodies, to create products and therapies that can improve human health and the environment. Biotechnology encompasses a wide range of applications including medical, agricultural, and industrial.
Genetic engineering is a branch of biotechnology that involves the manipulation of an organism's genetic material to change its characteristics or traits. Genetic engineering can be used to modify plants, animals, and microorganisms to create new or improved products, or to develop new therapies for human diseases. Genetic engineering techniques include recombinant DNA technology and CRISPR-Cas9 genome editing.
Biotechnology and genetic engineering have the potential to revolutionize healthcare, agriculture, and many other industries. Some examples of the applications of biotechnology and genetic engineering include:
- Development of new drugs and therapies: Biotechnology and genetic engineering can be used to create new drugs and therapies for treating diseases such as cancer, genetic disorders, and infectious diseases.
- Development of genetically modified crops: Genetic engineering can be used to create crops that are resistant to pests, diseases, or environmental conditions, or that have improved nutritional content.
- Development of industrial enzymes and other products: Biotechnology can be used to produce industrial enzymes and other products, such as biofuels and bioplastics.
- Development of gene therapies: Genetic engineering can be used to treat genetic disorders by introducing healthy copies of a gene into cells.
In summary, biotechnology and genetic engineering are fields of study that are concerned with the application of technology to the study of living organisms and biological systems. They have the potential to revolutionize healthcare, agriculture, and many other industries and bring new or improved products and therapies.

Autonomous vehicles and drones

Autonomous vehicles and drones are two areas of technology that are rapidly advancing and are likely to have a significant impact on many industries in the coming years.
Autonomous vehicles, also known as self-driving cars, use a combination of sensors, cameras, and artificial intelligence (AI) to navigate and drive themselves without human input. They have the potential to greatly improve safety and efficiency on the roads, and could also have a major impact on the way we live and work. For example, autonomous vehicles could enable more efficient and convenient public transportation, reduce the need for car ownership, and make it easier for people who are unable to drive to get around.
Drones, also known as unmanned aerial vehicles (UAVs), are aircraft that can be flown without a human pilot on board. They can be used for a wide variety of tasks, such as aerial photography, search and rescue, and delivery of goods. Drones have already begun to be used in some industries like construction, agriculture, and delivery. With the advancements of technology and regulations, they are set to be used in more industries and application.
Both autonomous vehicles and drones have the potential to greatly improve safety, efficiency, and convenience, but they also raise important questions about safety, regulation, and privacy. Governments and industry organizations around the world are working to develop policies and standards to ensure that these technologies are used responsibly and ethically.

Virtual and augmented reality

Virtual reality (VR) and augmented reality (AR) are two related but distinct technologies that are being used to create new and immersive experiences for users.
Virtual reality (VR) is a technology that creates a fully immersive, computer-generated environment that users can interact with. Users wear a VR headset that covers their eyes and ears, and often includes sensors that track their head and hand movements. This allows them to look around and move through the virtual environment as if they were really there. VR can be used for a wide variety of applications, such as gaming, education, and training.
Augmented reality (AR) is a technology that enhances the real world with computer-generated elements, such as images, sounds, and text. Unlike VR, which creates a completely artificial environment, AR adds digital information to the user's view of the real world. Users typically interact with AR through a smartphone, tablet, or other device with a camera, or through specialized AR glasses. AR can be used for a wide variety of applications, such as gaming, education, and product visualization.
Both VR and AR technologies have been evolving rapidly in the recent years, and are expected to have a major impact on many industries in the coming years.
In gaming and entertainment industry, VR and AR are expected to provide more immersive and interactive experiences for users. In education and training, VR and AR can be used to create realistic and engaging simulations of real-world environments and situations, allowing students and employees to learn and practice new skills in a safe and controlled setting.
In healthcare, VR and AR are being used to provide therapy and treatment for a variety of conditions, such as anxiety and PTSD, while in industry and manufacturing, AR is being used to provide workers with real-time information and guidance, improving safety and efficiency.
As technology continues to evolve, VR and AR are likely to become more widely adopted and integrated into many aspects of our lives, creating new opportunities and possibilities for people to interact with technology and with each other.

Blockchain technology

Blockchain is a decentralized, digital ledger of transactions that is used to record transactions across a network of computers. Each block in the chain contains a number of transactions, and every time a new transaction is added, it is added to the most recent block in the chain. This creates a chain of blocks, hence the name "blockchain." The most well-known application of blockchain technology is Bitcoin, but it has many potential uses, including in supply chain management, voting systems, and more. Blockchain technology is secure and tamper-proof because it uses cryptography to secure its transactions and because every participant in the network has a copy of the ledger.

DISCLAIMER: It is important to conduct thorough research and analysis before starting any technology business venture and stay updated with the current trends and advancements in the field.

WHAT ARE THE BEST BUSINESS VENTURES THIS COMING 2020?

2019-11-04T22:47:00.000+08:00

I post this question to business minded persons out there. What will be the trend for 2020? Will social media be the way to go? What are the ways for us to earn passive income so we can spend most of our time with our families?

My Puhunan: Leonito's Mobile Salon

2016-10-27T12:20:00.002+08:00

INSPIRING STORY

SCIENCE OF GETTING RICH

2016-08-01T06:29:00.001+08:00

SCIENCE OF GETTING RICH BY WALLACE WATTLES

READ: http://ebooksoneverything.com/wealth/scienceofgettingrich.pdf

WATCH: https://youtu.be/MmIBNUGe6mw

FREE GOOGLE EVENT IN CAGAYAN DE ORO CITY!!

2014-06-05T17:53:00.000+08:00

Hey, businessmen/women online/offline or teachers. There is a Google event happening on Saturday, June 7, 2014 at XU Main, Cagayan de Oro City and IT'S FOR FREE!!!

Just pre-register by following this link: http://j.mp/gbgcdoanniversary and get a confirmation from them.

For more information, visit https://www.facebook.com/groups/gbgcdo

TAMBAY SA FACEBOOK, KUMITA NG 1,000,000!

2014-04-30T01:14:00.001+08:00

INTERESTED? CLICK ON THIS LINK: http://goodiebox.swaultimate.com

Dale Carnegie How to Stop Worrying and Start Living

2013-07-24T09:44:00.002+08:00

A nice material for people from all walks of life. This will make you take that first step and leap towards living the life that you've wanted.

Dale Carnegie is astounding!

Below are some references that you might want to add in your library. I am listening to audio books since I am taking care of my eyes for now, but this will not stop me from digging in to the motivational materials that is available for me on the internet.

Good luck, God Bless and hope you can get back to me after reading these. Have an awesome, fruitful and productive day!

ARE YOU WORTH THE EFFORT? PART 1

2013-03-20T11:16:00.000+08:00

I am not a guru in entrepreneurship, finances, and even successful in life (yet), but everybody on this planet have some piece of their mind. I understand that because of lack, because of poverty, because of hunger, we, as human beings are struggling, catching up with life, striving to get to that place of comfort, success, fulfillment, 'dream come true' state, and many more terms of a single bottom line word - HAPPINESS.

My question is, is it worth your effort? Is it worth my effort to write these articles? Well, I guess it's time you get a bit of my point of view that claims no intellectual magnanimity in it, but what I am saying is truly with heart.

Most of us would think that life is all about hardship, as if someone is chasing us all the time. They are called banks, debts, bills, mortgage, credit card companies, etc. And because of the stress that it is bringing us, we sacrifice our relationship with our family, our friends, and the people around us.

It might be easier to be a crook once and for all, but we are not born to live that life. Some may not possess a conscience, but there is really something in doing bad things that steals your soul. So, we opt to do good things. It might not be enough, but still, our said 'conscience', when we do good things helps us (at least) to sleep at night.

Below are questions that I want you to really dig in deeper and think, and ponder. It may take minutes, days, weeks, months, or even a year to really capture the essence of the question, but 'trying' won't kill, right?

QUESTIONS:
1. Why am I in this world?
2. What is my use in this world and the people around me?
3. What do I really, truly want out of life?
4. Will I just die and still struggle in the end?
5. Is 'living happily ever after' true?

We will be tackling this one by one in the upcoming articles... you are always welcome here.

60 MINUTES TO GETTING RICH

2013-02-22T17:51:00.000+08:00

Watch this video if you want money to work for you, not work for the money! Very inspiring and keeps our creative juices working... It's all in the power of the mind... Enjoy and I really hope this will help. Good luck and share what you think!

THINK RICH QUICK REAL ESTATE SEMINAR

2011-04-24T18:24:00.000+08:00

Click here to view more details

Investment Guide 2011 on Real Estate

2011-03-29T10:39:00.000+08:00

Grow RICH Pinoy !

How to Live a Life of Miracles: 7 Keys to Open Yourself to Blessings, Wholeness & Happiness

40 Stories of Passion: Learn From 40 Ordinary People How to Make Your Life Extraordinarily Beautiful

Trump: How to Get Rich

HAVE YOU HEARD OF CHURP CHURP?

2011-03-21T23:37:00.000+08:00

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PARENTING BY BO SANCHEZ

2011-03-17T10:44:00.001+08:00

Don’t Make The Mistake Of Paying Later…

Most mornings, I bike with my two boys around our village. Actually they bike and I run after them.Because I don’t have a bike (mine is broken). But I don’t mind.

Because that means they win our races. And they have fun laughing at their father who always comes last, my tongue hanging out of my mouth, ready to faint.

This morning, after biking, we also played chess and checkers. Obviously, I beat them in every game. (Sweet Revenge!)

Some days, we play the Wii together. It’s an interactive game console and we have loads of fun doing that. From pingpong to bowling to flying to car racing. (Yes, the old guy looses again)

And if I can get off from work a bit early, we’ll go running and biking again in the afternoon.

My point?

I spend an enormous amount of time with my kids.

Is it difficult?

You bet.

I do a lot of stuff. I run 12 businesses. I lead 9 non-profit organizations. I preach 300 times a year. I write 80 articles a month.

But I’ve made a decision that nothing is more important than my family.

Why?

Here’s what I learned about life: You either pay now or you pay later. If you pay later, it’ll cost more.

I don’t want to pay later. It’ll cost me 100 times more!

Like some parents I know. Sadly, they never spent time with their kids. In other words, they didn’t pay before.

Today, these parents are paying. They sit restless at night, crying, worrying about their adult children. And they ask these very painful questions:

· “Why is my son hanging out with the wrong crowd?”
· “Is my son drinking too much? Is he taking drugs too?”
· “Why did my daughter choose that bum as her boyfriend?”
· “Will my son ever grow up and take responsibility?”
· “What have I done wrong as a parent?”

I ask you: Don’t pay later. It’s more painful that way.

No matter how difficult, pay now. Spend time with your kids.

Make it faithful. Make it fun. Make it fantastic.

May your dreams come true,

Bo Sanchez

TrulyRichClub.com - Do You Want to Gain Financial Wealth and Spiritual Abundance at the Same Time?
GodWhispersClub.com - Get A Megadose of Blessing. And Take Your Life To A New Direction
FamilyReborn.com - How To Increase The Love In Your Family And Prevent Them From Drifting Apart

Top 10 Successful College Dropouts (CEOs)

2011-03-15T00:01:00.001+08:00

1. Bill Gates

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #2
Estimated Net Worth: $50.0 billion
Company: Microsoft (US)
Bill Gates scored an almost-perfect 1590 (out of 1600) on the SAT and enrolled at Harvard College in 1973. Gates did not have a definite study plan while a student at Harvard and spent a lot of his time using the school’s computers. In 1975, the MITS Altair 8800 computer was released to the market, paving the way for the start of the microcomputer revolution. Gates and friend Paul Allen saw this as an opportunity to start their own software company. They dropped out of Harvard and formed “Micro-Soft.” A year later, the hyphen in the company name was dropped and the rest was history.
2. Mukesh Ambani

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #4
Estimated Net Worth: $29.0 billion
Company: Reliance Industries (India)

Mukesh is the eldest son of Dhirubhai Ambani, the founder of Reliance Industries, India’s most valuable company. Mukesh enrolled in the MBA program of Stanford University in 1979 but with 1 and 1/2 years to go before the end of the program, he decided to drop out and focus on the polyester business of Reliance Industries. He is currently the Chairman and Managing Director of the company and is the richest man in Asia and 4th richest in the world with $29 billion net worth.
3. Larry Ellison

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #6
Estimated Net Worth: $28.0 billion
Company: Oracle (US)

Larry Ellison attended the University of Illinois at Urbana-Champaign but dropped out at the end of his second year after his adoptive mother died. He moved to California and studied at the University of Chicago but stayed there for only one term. He became an employee of Ampex Corporation where he worked on a database project for the Central Intelligence Agency (CIA), codenamed “Oracle.” In 1977 he founded Oracle and started marketing its now-flagship product Oracle Database. By 2007, thirty years later, Oracle is the third largest software company in the world, next to Microsoft and IBM.

4. Eike Batista

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #8
Estimated Net Worth: $27.0 billion
Company: EBX group (Brazil)

Eike Batista lived in Germany from 1969 to 1980 and studied engineering there at RWTH Aachen University but dropped out of college without completing his degree. In 1980, he moved back to Brazil and in 1983, founded the EBX Group, a holding company primarily invested in mining, oil and natural gas. In 2010, he is the richest person in Brazil and the eighth richest worldwide.
5. Amancio Ortega

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #9
Estimated Net Worth: $25.0 billion
Company: Inditex Group, Zara

Son of a railway worker, Amancio Ortega actually never got to go to college because he did not finish high school. He worked as an errand boy for various shirt stores before opening his first store in 1975. The company would ultimately become the Inditex Group, currently one of the world’s largest fashion distributors, operating under several brand names including Zara, Massimo Dutti and Stradivarius. With a net worth of $25 billion, Ortega is Spain’s richest man.
6. Michael Dell

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #37
Estimated Net Worth: $13.5 billion
Company: Dell Inc.

At a young age, Michael Dell is already an entrepreneur. At the age of 15, he earned $18,000 selling subscriptions of the newspaper Houston Post. While a pre-med student at the University of Texas Austin, he started an informal business upgrading computers. He dropped out of college to concentrate on his company, “Dell Computer Corporation,” whose business model was to sell PCs directly to customers rather than indirect retail channels. In 1992 at the age of 27, Dell became the youngest CEO to have his company ranked in the Fortune 500 list of the top corporations.
7. Steve Jobs

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #136
Estimated Net Worth: $5.5 billion
Company: Apple Inc.

Apple Inc. founder and CEO Steve Jobs completed high school in Cupertino, California then enrolled at Reed College in Portland, Oregon to study physics, literature and poetry. He dropped out after only one term. In 1976, at the age of 21, he and Steve Wozniak started their own business, the Apple Computer Company. The company became so successful such that by the age of 25, Jobs was already worth $165 million. After being fired from Apple in 1985 and re-hired in 1996, he remains today as Apple Inc. Chairman and CEO, with net worth of $5.5 billion.
8. Ralph Lauren

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #173
Estimated Net Worth: $4.6 billion
Company: Polo Ralph Lauren

Ralph Lauren attended MTA (now known as the Marsha Stern Talmudical Academy) before eventually graduating from DeWitt Clinton High School in 1957. In MTA Lauren was known by his classmates for selling ties to fellow students. After high school, he went to the Baruch School of Business and Civic Administration of the City College of New York (now known as Baruch College) where he studied business, although he dropped out after two years. He did not attend fashion school, but worked for Brooks Brothers as a salesman. In 1967, with the financial backing of Norman Hilton, Lauren opened a necktie store where he also sold ties of his own design, under the label “Polo.”
9. Richard Branson

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #212
Estimated Net Worth: $4.0 billion
Company: Virgin Group

Sir Richard Branson is known for his Virgin Group of Companies which is comprised of more than 400 firms. His first successful business venture was a magazine called Student, which he published and distributed at the age of 16. In 1972, he opened a chain of record stores, Virgin Records, later known as Virgin Megastores. The Virgin brand grew rapidly during the 1980′s as he set up Virgin Atlantic Airways and expanded the Virgin Records music label. Branson suffered from dyslexia and due to poor academic performance as a student, he did not finish high school.
10. Marck Zuckerberg

Rank in 2010 Forbes Magazine’s list of World’s Richest People: #212
Estimated Net Worth: $4.0 billion
Company: Facebook
Mark Zuckerberg has always enjoyed developing computer programs, especially communication tools and games. In 1996, he built a software program he called “ZuckNet” which allowed all the computers between the house and his father’s dental office to communicate by pinging each other. The program was considered a “primitive” version of AOL’s Instant Messenger, which came out the following year. He studied psychology and computer science at Harvard University but decided not to continue when his Facebook website grew in popularity. Zuckerberg was recognized by Time magazine as its “Person of the Year” in 2010.
Sources: Forbes Magazine, Wikipedia, various online sources

Bo Sanchez's Advice on How to Enjoy Your Wealth

2011-03-14T12:44:00.000+08:00

How To Enjoy Your Wealth

For 3 weeks, I’ve been sharing a 4-part series on money.

Here’s my last installment: How to Enjoy Wealth.

Before I tell you how, here are two Bible passages about enjoying your wealth.

Ecclesiastes 5:19 says, If God gives a man wealth and property and lets him enjoy them, he should be grateful and enjoy what he has worked for. It is a gift from God.

Some are surprised by that passage.

Here’s one more…

Sirach 14:5 says, How can you be generous with others if you are stingy with yourself, if you are not willing to enjoy your own wealth? No one is worse off than someone who is stingy with himself; it is a sin that brings its own punishment.

Yes, God wants you to enjoy your wealth.

But you’ve got to enjoy it in a particular way.

What way?

God’s way!

Remember These 3 Investments

I’ve mentioned this before, but I need to say it again. Divide your money into three investments:

Step 1: Invest 10% in your Eternity
Step 2: Invest 20% in your Maturity
Step 3: Invest 70% in your Family

In reality, everything is an investment.

Step 1: Invest 10% in your Eternity. You’re a spiritual being. You will live forever. When you tithe, you’re declaring you’re merely passing this world and that Heaven is your future home.

Step 2: Invest 20% in your Maturity. Your biggest expense isn’t your car or your home. Your biggest expense is your retirement. You don’t want to grow old and poor. You don’t even want to grow old and rich. (Believe me, thats not fun too.) You want to grow old, rich, and generous.

Step 3: Invest 70% in your Family. Don’t invest in things. Invest in people. Don’t invest in stuff. Invest in relationships. Because the best investment in the world isn’t bonds, stocks, oil, silver, or gold. The best investment in the world is love.

Let me now give you my 3 rules on enjoying wealth God’s way.

Follow These 3 Rules

Rule 1: Invest in your future before your present.

Rule 2: Enjoy the simple before the complex.

Rule 3: Enjoy people before things.

Rule 1:

Invest In Your Future Before Your Present

There are only 2 Money Strategies in the world.

Tell me which Money Strategy you use, and I’ll tell you (with 90% accuracy) whether you’ll become rich or poor in your old age.

Money Strategy Of The Poor

This method will make you poor—no matter how much money you earn.

Here it is:

Income – Expense = Tithes & Investments

Here’s what this formula means: The moment you receive your income, first subtract your expenses, and then invest and tithe from whatever is left.

Question: Is this your main Money Strategy?

If it is, be very afraid.

You’ll grow old and poor.

Let me share with you the other Money Strategy…

Money Strategy Of The Rich

It’s really all a matter of right order.

If you do it this way, you’ll be wealthy.

Here it is:

Income – Tithes & Investments = Expense

Here’s what this winning formula means: The moment you receive your income, you first subtract your Tithes & Investments, and then spend from whatever is left.

In other words, you need to invest in your future before you invest in your present.

The Story Of Mr. President

I know of a President of a company who—years ago—earned P200,000 a month. This was at a time when P200,000 was P200,000.

Mr. President had a nice house, three nice cars, country club shares, and travelled many times a year.

He’s now retired and lives a very different lifestyle.

No more nice cars, no more country club shares, and no more money. He now depends on his kids to put food on his table.

Reason? He is poor today because he used the Money Strategy of the Poor. He invested in his present before he invested in the future.

He’s not alone.

We think that all NBA players are rich.

Here’s the truth: Sixty percent (60%) of NBA players, after five years of retirement, go bankrupt. Sixty percent!

Scottie Pippen, Michael Jordan’s Chicago Bulls teammate, earned $120 Million in his basketball career. But he got bankrupt.

It’s even worse in the NFL. Eighty percent (80%) of football players, after two years of retirement, go bankrupt.

Evander Holyfield earned $250 Million in his boxing career. But he too got bankrupt.

Mike Tyson, earned $400 Million in his boxing career. (Just to let you feel the size of that money—that’s P17 Billion.) Yes, he too got bankrupt.

Why?

Because all of them used the Money Strategy of the Poor.

Today, I urge you to use the Money Strategy of the Rich:

Income – Tithes & Investments = Expense

If you do, you get these two fantastic Bonuses…

Bonus #1:

No More Budgeting

Let me shock you: I don’t budget my money.

At least, not the way people define it.

Oh, I tried. Believe me. But it was so tedious, so time-consuming, and so boring, I gave up.

But if you’re the type that likes to budget, complete with multi-colored pie charts and 3-dimensional graphs, by all means, please continue!

Here’s what hit me: Even if I wasn’t budgeting—why was I still getting richer?

I realized why: I really was budgeting. But mine was a very simple budget: 10%, 20%, and 70%. That’s it!

Because each month, I was setting aside my Tithes (10%) and Investments (20%), all I had to do was live within 70% of my income. That was my simple budget!

Bonus #2:

No More Fighting

On the first year of our marriage, I used to fight with my wife about money.

I’d ask her, “Did you really have to buy that thing?”

And wham—World War III will start.

Here’s the good news. For many years now, we’ve not fought about money anymore.

What happened?

I began to use the Money Strategy of the Rich.

Because I already set aside our investments for the future, I realized she can now do whatever she wants to do with the rest of our money. Why argue about those small things?

Later on, I realized my wife is a great money manager. I was blinded by my need for control.

Our marriage is so much better now.

It’s absolutely liberating.

Rule 1 is Invest in the Future before you invest in the present.

Here’s Rule 2…

Rule 2:

Enjoy The Simple Before The Complex

One day, while walking in a shopping mall, I almost fainted when I saw the price tag of a lady’s handbag.

I told my wife about it. “Sweets, I just saw a handbag worth P250,000!”

She shrugged her shoulders, “Bo, that not very expensive.”

My jaw dropped. “Not very expensive?”

“Expensive handbags are between P1 Million to P3 Million each.”

What? I couldn’t believe my ears.

I thank God that my wife doesn’t buy bags like that. She follows Rule 2. She enjoys the simple before the complex.

When I went home, I googled, “Most expensive bags.”

It turns out P3 Million is cheap. Because the most expensive handbag is P168 Million. (Check photo below. Any takers? I get 3% commission.)

Here’s my point. If you’re not going to simplify your life, you’ll find a way to spend your money—no matter how much money you have.

Learn to enjoy simple things. Or else you’ll never earn enough.

Don’t get me wrong.

I’m not saying never enjoy the finer things in life.

You can… but at the right time.

Key To Wealth: Delay Gratification

Let me give you an example.

Last month, I bought a ‘42 inch wide screen TV. (P35,000 only!) Yes, lower version and an unknown brand, but it’s working perfectly.

But here’s why I bring it up: I could have bought that 7 years ago—when I started earning really well. I could have bought that thing 6 years ago, 5 years ago, 4 years ago… But I didn’t. Instead, I invested my wealth. It was only last month that I bought my wide screen TV set.

Yet during those 8 years, I met people who had zero investments, but had a wide-screen TV in their living room, and an SUV in their garage.

Two Lines Of Wealth

There are two lines that will determine your wealth: Your Blessings line and your Spendings line (or standard of living).

Here’s the Law for getting wealthy: As your Blessings grow, your Spendings should grow in a slower way.

Do that and you’ll be rich.

This is not the case for 80% of the people. Most people grow their Spendings (or standard of living) with their Blessings.

Don’t do that!

Here’s my personal experience. Through the years, my income has grown. But I didn’t let my expenses grow with it.

After years of doing this, I now only spend 10% of my income for my daily expenses. 90% of my income goes to Tithes and Investments.

Why? Because I enjoy the simple before the complex.

Be Content

The Bible says, But godliness actually is a means of great gain when accompanied by contentment. (1 Timothy 6:6)

If you want to be wealthy, you need to be content.

Some of you might ask, “But Bo, you just taught us to earn as much as we can. Isn’t that the opposite of what you’re saying now?”

No, it’s not. Don’t be content with what you earn, but be content with what you own. Don’t be content with what you earn because you’re not only thinking of yourself. You want to earn as much as you can because you want to give as much as you can.

But be content with what you own.

Don’t allow material things to define who you are. Don’t be defined by the watch you use, the clothes you wear, and the car you drive.

Be defined by your relationship with God.

You don’t need a Rolex to feel good. You don’t need a Jaguar to feel good. You don’t need an Armani to feel good.

I feel good because I’m forgiven. I feel good because I’m anointed. I feel good because I’m commissioned. I feel good because of my God who calls me friend.

Be Careful

If you enjoy simple things, you’ll avoid shopping on impulse.

Proverbs says, Plan carefully and you will have plenty; if you act too quickly, you will never have enough. (Proverbs 21:5)

When you go out shopping or marketing, have a plan. Bring a shopping or grocery list. And stick to it. People who don’t bring a list will spend 30% more than those who do.

Say no to impulse buying.

Be Credit-Free

The Bible also says that The borrower becomes a slave of the lender (Proverbs 22:7).

I don’t know about you, but I don’t want to become a slave.

But anyone who lives in endless debt will tell you that’s their reality. That’s their life.

Here’s the horror story: 20% of credit card holders can’t pay their debts. And as much as 70% of credit card holders pay only the minimum each month.

That is utter foolishness.

Borrow only for business (and only if you know what you’re doing). But never borrow for consumables. Because being a slave is no fun.

If you don’t have the discipline, tear up your credit cards.

Here’s the third Rule…

Rule 3:

Enjoy People Before Things

In case you’re wondering, this whole message isn’t about being a miser.

I’m not a miser. And I don’t want you to be a miser.

You don’t want to be like Hetty Green.

In 1916, Hetty Green was the wealthiest woman in the world. She was a business tycoon who invested in whaling, China trade, railways, and government bonds.

But she was a miser. She wore the same black dress and undergarments until it was worn out. She ate mostly pies that cost 15 cents. She instructed her laundry woman to wash only the dirtiest part of her dress (the hems) to save money on soap.

And when she herself suffered from bad hernia, she didn’t like surgery because it would cost her $150.

Being a miser towards yourself is bad enough. But she was a miser with her family members too.

This is how stingy she was: When her son broke his leg, she brought him to a charity clinic.

But how much was she worth? When she died in 1916, she had $200 Million. Adjusted to our time, she was worth $3.8 Billion. (P167 Billion.) Indeed, the richest woman of her time.

But she was not happy.

She was called the “Witch of Wallstreet” because she always looked angry and sad.

God doesn’t want you to be a miser.

God wants you to enjoy your wealth.

Here’s the key: Save your money, yes, but spend your money to enjoy the deeper things of life. In other words, enjoy people before things.

At the end of the day, it’s people who will make you happy.

Save on stuff. Save on things. But don’t save on love.

Invest In Love

I don’t wear a Rolex.

I don’t buy expensive clothes. (If you see me wear an expensive shirt, you can be sure it’s a gift.)

I don’t drive a Jaguar.

But I spend a lot of money on my relationships.

I repeat: Love the best investment in the world.

I spend a lot of money just to bring my family and friends together.

I go out on dates each week with my wife, my kids, my mom, my sisters and their families. Each year, I take 10 mini-vacations with my family and friends.

At the end of the day, it’s people who will make you happy.

I remember the day when my father passed away.

I was in front of his coffin—and I was so much at peace.

Why? Because before he died, I was able to spend my time, my effort, and my money with him. I visited him often. I served him often. I brought him out on dates.

In other words, I invested in our relationship.

So spend your money on what truly matters.

Friend, God wants you to enjoy wealth.

But don’t enjoy it alone.

Enjoy it with others.

May your dreams come true,

Bo Sanchez

Smartbro-Playground

2011-01-10T10:04:00.001+08:00

Smartbro-Playground>

Smartbro-Playground

2011-01-10T10:04:00.000+08:00

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Soulfood for Dec 29: My Maids Are Richer Than Many Managers

2010-12-31T00:09:00.002+08:00

TrulyRichClub.com - Do You Want to Gain Financial Wealth and Spiritual Abundance at the Same Time?
GodWhispersClub.com - Get A Megadose of Blessing. And Take Your Life To A New Direction
FamilyReborn.com - How To Increase The Love In Your Family And Prevent Them From Drifting Apart

My Maids Are Now Richer Than Many Managers
Early this year, I taught my Maids how to invest in the Stock Market.
            People laughed at me when I told them what I was doing.
"That's too much for them," one friend told me. "They can't handle that. It's better to teach them how to put their money in the bank."
            But who's laughing now?
One of my maids has P83,584 in her Stock Market account.
My other maid has P70,033 in her account.
That may not be much to you, but to them, they feel very rich.
            And here's a fact: My Maids are now richer than many Managers.
            I'm not kidding.
            You see, I talk to a lot of Managers when I give corporate seminars.
            Many of them have Zero savings and are buried in debt.
            My maids? They're confident that they'll have P5 Million in 20 years.
If you've got 20 minutes a month,
I guarantee to work a financial miracle in your life.
            Each month, my maids bought the Stocks I told them to buy.
            It wasn't easy, believe me. There were days when they didn't want to invest their money—because they wanted to buy something or send it back to their families. But with my coaching, they disciplined themselves and invested their money.
All it takes is 20 minutes a month.
First, set aside 10% to 20% of your salary each month.
Next, put in your small amount into the Stocks I tell you to buy—which can be done all online, seated in front of your computer, in the comfort of your home. And that's it. Do this each month and you're all set to retire a multi-millionaire.
Here's the deal: Whatever small amounts you can put into the Stock Market today will be worth millions 20 years from now.
I believe that investing (not trading) in the Stock Market is one of the best ways of growing your passive income. Yes, there's a difference between trading and investing. And my eBook and special Reports will teach you the difference.
Guarantee: You'll Be Able To Understand Me
            Do you know the problem with the Stock Market world?
They don't speak English. Honest.
They speak a strange dialect that is spoken only in the second moon of the planet Uranus.
But I've solved that problem. If my maids can understand me, then anyone can understand me.
I'll Hold Your Hands Every Step Of The Way
            Here's what I do for my TrulyRichClub Gold members.
Twice a month, I send a very short "Stocks Update". I'll tell you what companies I'm investing in and how they're doing.
Why will I give this "Stocks Update" Report? To give my TrulyRichClub members guidance and inspiration.
Especially when there's a crisis, my "Stocks Update" will be crucial. It will prevent you from selling your Stocks because of your panic—and lose your money. And it will encourage you to do the very opposite—buy great companies when the prices are very low.
Join Today And You'll Start Stocks Investing Next Week
I have to be honest with you:This may not be for you.
I don't want you to get into something that isn't for you.
First of all, this isn't for the person who doesn't have a job or business.
In order to invest regularly, you've got to earn regularly. (My Maids earn a smaller salary than Managers, but you see, it's not how much you earn, but how much you keep of what you earn.)
If you have a regular income and are willing to set aside a few pesos a month to invest in long-term investments—so you can create millions for your future—then listen up.
2011 is approaching in a few days.
So here's my big question for you: What will you be doing for your financial future in 2011?
Will you do something now? Or will you be again wondering, "Where did the year go? Why haven't I done anything to secure my financial future?"
If you want me to help you, then log on at TrulyRichClub.com now.
Sign up today, because I'll be sending out my Stocks Update Report for 2011 for my TrulyRichClub.com Gold members in January 2011.
By next week, you can already start investing in the Stock Market. (My eBook will also teach you how to create an online account in Citiseconline, the biggest online stocks brokerage in the country.)
To join the Club and start creating your multi-million retirement fund, log on at TrulyRichClub.com
May your dreams come true,
Bo Sanchez
PS1. Take Charge Of Your Financial Future. Don't leave your 2011 to chance. Do something today that will give you financial freedom in your advanced years.   I believe investing little amounts each month in the Stock Market will give you financial freedom in the later years of your life. To take charge of your financial future, log on at TrulyRichClub.com now.
PS2. By the way, the TrulyRichClub isn't just all about the Stock Market. It's also about having an abundance mindset. Why? Believe me, all the technical stuff I'll teach about The Stock Market WON'T WORK if you don't have an abundance mindset. So in the Club, you'll also receive a lot of Audio Talks and eReports from me about having an abundance mindset. To download them instantly, log on at TrulyRichClub.com now.

Bo Sanchez, 60 Chicago St., Cubao , Quezon City, Metro Manila 1109, Philippines
TrulyRichClub.com - Do You Want to Gain Financial Wealth and Spiritual Abundance at the Same Time?
GodWhispersClub.com - Get A Megadose of Blessing. And Take Your Life To A New Direction
FamilyReborn.com - How To Increase The Love In Your Family And Prevent Them From Drifting Apart

Thank God He's Boss! A Simple Path To Happy Holiness
Your Past Does Not Define Your Future
Simplify: And Live the Good Life

MY CHRISTMAS WISH THIS YEAR: A NOKIA C7

2010-12-09T19:45:00.000+08:00

I have been a loyal user of NOKIA ever since. From the Nokia 6110, Nokia 3310, Nokia 8850, Nokia 6600, the silver Nokia before N71, and the old flip Nokia (forgot the model already). Although I am not that technically specific and very knowledgeable with cellphone models, I go for the trusted brand.

NOKIA has proven to be my number one brand when it comes to cellphones. Why? Over the years, its durability is enough for me. As a mom, my kids would play with it and even dropping it. It even got wet one time and a little drying with the spin of the electric fan, it still functioned. That's how durable it is.

EASE OF USE will never be a question because every time I tried to learn how to use other brands, I tend to go back with using Nokia. For me, no other brand could surpass its durability and ease of use.

I deserve to have a break from the old models and you should see this video why you as well deserve to own NOKIA C7. I Just love it!

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2010-12-01T08:13:00.001+08:00

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How to Start A Nail Salon Business

2010-11-01T19:41:00.003+08:00

How to Start A Nail Salon Business
A starter kit from Entrepreneur.com.ph
Check this out! You might have the knack for starting your own nail salon.

POPULAR ADVERTIZER: Internet Wealth Expert Launches New Super Cash Website

2010-10-25T07:26:00.000+08:00

TWITTER GUIDE

2010-10-25T06:52:00.001+08:00

TOP 20 MARKETING SITES

2010-10-22T15:15:00.000+08:00