Pinoy Wealth Crusaders

Today's Quote

2013-03-11T00:46:00.000+08:00

You are today where your thoughts have brought you;
you will be tomorrow where your thoughts take you.
~ James Allen

Join us in Cagayan de Oro, Iligan, Pagadian, and Davao!

2013-03-11T00:33:00.000+08:00

Practical Money Management and Investment Strategies Seminars

2013-01-29T22:22:00.000+08:00

ATTENTION!!

YOUR DREAMS …. AND HOPE FOR A BRIGHTER FUTURE
IS OUR MAIN CONCERN!

You have some SAVINGS, but don’t know where to put it to make it GROW FASTER ?

You heard about FINANCIAL LITERACY Seminars, but it will cost you an arm and leg to attend one?

You noticed that BUSINESSMEN have more money than REGULAR EMPLOYEES, but you don’t know how to be one?

You want to earn PASSIVE INCOME so you can buy gifts for your family back home or have the latest gadget you have been wanting to have, but don’t have the opportunity to earn that?

Let us help you KNOW and LEARN the ANSWERS!

Attend our Seminars on

“Practical Money Management &

Investment Strategies”

By Engr. Cheryl Dueñas-Sperling

A Wealth Circle Member of Bro.Bo Sanchez

F R E E

VENUE: The Green Kiwi, 280A Lavender Street, Singapore (Tentative)
DATE: February 8-16, 2013.
LIMITED SLOTS ONLY, so please REGISTER EARLY!

Contact us, thru email/message for date and time of your preference.

Cheryl – 09088672344 smart; 09328881353 sun; cher_sperling@yahoo.com

Jean – 09328428302 sun; ionejean@yahoo.com

Practical Money Management and Investment Strategies Seminar

2013-01-29T22:13:00.002+08:00

Making Your Dreams Come True ….

is our business!

Learn How Money Works and How to Build A Strong Financial Future!

Learn Financial Solutions and Increase Your Financial IQ!

Learn How To Increase Your Cash Flow, Get Out Of Debt, and Where To Start Investing!

Learn The Importance Of Having Enough Protection In Case Of Disability, Long Term Illness, Or Even Death!

Attend our Seminars on

“Practical Money Management &

Investment Strategies”

By Engr. Cheryl Dueñas-Sperling

A Wealth Circle Member of Bro.Bo Sanchez

F R E E

VENUE: The Green Kiwi, 280A Lavender Street, Singapore (Tentative)
DATE: February 8-16, 2013.
LIMITED SLOTS ONLY, so please REGISTER EARLY!

Contact us, thru email/message for date and time of your preference.

Cheryl – 09088672344 smart; 09328881353 sun; cher_sperling@yahoo.com

Jean – 09328428302 sun; ionejean@yahoo.com

Truly Rich Club

2012-12-17T23:12:00.002+08:00

Hello to YOU!

Last year, I joined the TrulyRichClub. It was one of the best decisions of my life. Founded by Bo Sanchez, its purpose is to “help good people become rich”. Because of the guidance I get from the Club, I’m now investing again in the Stock Market each month! Shocking, right? But it’s amazing how I’m personally growing in my finances. I’m inviting you to join the Club too. If you’re interested, click the link below. Listen to Bo explain what it is all about. And email me if you have any questions.

God bless to us all!!

http://cher_sperling.trulyrichclub.com/

Best wishes and good luck,

Cheryl

The Complete Financial Plan

2012-02-13T23:33:00.001+08:00

By Cheryl Sperling

Although personal finance covers a lot of varied money topics, like saving, budgeting, expenses, investment, insurance, and healthcare; it would boil down to these summarized concept below: If you plan for these eventualities NOW, then you could sleep peacefully at night that your life is in order. Don't wait for the perfect time to PLAN and EXECUTE your financial goals ... just start TODAY!

* Courtesy of IMG

Today's Quote

2012-02-11T00:44:00.000+08:00

"We are masters of our fate and captains of our souls."
~ Winston Churchill

What Is Your Financial Goal?

2012-02-08T01:44:00.001+08:00

By Cheryl Sperling

Setting Your Personal Financial Goals.
All of us is different. We have our own priorities, our own wants and likes, our own circumstances, and our own preferences. That's why our personal financial goals could be different with another and our way of reaching those goals varies as well. With these in my mind, we have to set our goals based on how we want to achieve our goal or the style we will employ, as only through this that we will likely work on it and thus succeed in reaching that goal.

Factors To Consider.
1. What is your priority?
First of all, you need to identify what is the most important thing

Winners are Planners

2012-02-06T18:51:00.002+08:00

By Cheryl Sperling

I just want to share this with you ..."Winners Are Planners" Bro. Bo Sanchez is one of my financial mentors. He is not only a charismatic preacher but he also teaches and shares his knowledge of how to be financially free and prosper in life, financially, spirituality, and physically. Read on ....Let's start planning and be winners in our life!

BoSanchez.ph » Winners Are Planners

bosanchez.ph

Think about it. Have you ever met anyone who planned to fail? Someone who wakes up in the morning and says, “Gosh, I really want to fail in life. I want to end up totally miserable. I want to end up divorced. I want to be hated by my family. I want to be broke forever and live in abject poverty. I w...

Is THIS Success?

2012-02-06T17:59:00.012+08:00

By Rex Duenas

Every second someone around the world attempts suicide. One every 40 seconds succeed. - but is that success? The World Health Organization (WHO) estimates that every year, almost one million people die from suicide; a "global" mortality rate of 16 per 100,000, or one death every 40 seconds.

Suicide worldwide is estimated to represent 1.8% of the total global burden of disease in 1998, and 2.4% in countries with market and former socialist economies in 2020. Traditionally suicide rates have been highest among the male elderly, but rates among young people have been increasing, in both developed and developing countries. Mental disorders (particularly depression and alcohol use disorders) are a major risk factor for suicide. Suicide is complex with psychological, social, biological, cultural and environmental factors involved. But the cause is FAILURE!

Only a minority, of course, go to this extreme,

An Inspirational Story!

2012-02-04T13:16:00.001+08:00

Can we connect the DOTS in our life!!! Read on .... and be inspired!

Steve Jobs' 2005 Stanford Commencement Address

http://www.youtube.com/watch?v=UF8uR6Z6KLc

Drawing from some of the most pivotal points in his life, Steve Jobs, chief executive officer and co-founder of Apple Computer and of Pixar Animation Studios...

5 Comeback Rules

2012-02-02T17:46:00.004+08:00

By Cheryl Sperling

In life, we experience set backs, problems, and challenges which seems like giants that are so difficult to face ... and most times, we get discouraged and so down beaten that we just opt to give up and surrender. And we feel that we just failed in our endeavors and are failures in our life. But, hey, wait!! These are just temporary failures, if at all!! Here are some tips to overcome these negative feelings we have and start to turn ourselves around by using these tips to finally attain SUCCESS! " If you haven't failed, you will never succeed!" Good luck!

This is an excerpt from, The Inspiration By God Newsletter

"Today, I am going to reaffirm that do-overs are indeed possible, and when something in your life goes terribly wrong, it is possible to fix it.

The following are five rules that you can use to pick yourself up, get back in the game and make 2012 the best year of your life.

Here's your playbook for success!

Comeback Rule #1 - Refuse to Die

Those with the character to triumph in the end tend not to

Today's Quote

2012-01-30T02:24:00.001+08:00

‎"The reason most people never reach their goals is that they don't define them, learn about them, or even seriously consider them as believable or achievable. Winners can tell you where they are going, what they plan to do along the way, and who will be sharing the adventure with them." - Denis Waitley

Today's Quote

2012-01-26T00:15:00.002+08:00

" Learning is the beginning of wealth. Learning is the beginning of health.

Learning is the beginning of spirituality.

Searching and learning is where the miracle process all begins.

- Jim Rohn

"How To Prosper" By Bro. Bo Sanchez

2012-01-25T00:26:00.000+08:00

*As shared by Sha Nacino, which am now re-sharing with you.

"Note: Below is a tiny excerpt from my soon-to-be-released book, How To Prosper, Overhaul Your Financial Life. (It’ll be out in the bookstores soon.) Enjoy! –Bo Sanchez

Drink Now Or Drink Forever?

One day, a man got lost walking in the desert.

The next day, he was still lost.

After two days under the scorching sun, he was very thirsty.

All of a sudden, he saw a little wooden shed.

He ran to it, thinking of only one thing—Water!

When he arrived there, he saw an old, rusty water pump sticking from the ground.
He gripped the handle and began pumping like a mad man.

But nothing came out.

Disappointed, he stepped back how to make it work.

Looking around, he saw a jug covered with dust.

        When he grabbed it, he saw a piece of paper stuck on it.
       The message read, “Open this jug and you’ll find water. Don’t drink it.
        Pour it instead on the pump. And you’ll have all the water you want.”

He popped the cork.

True enough, the jug was filled

Peso Cost Averaging

2012-01-24T23:23:00.003+08:00

By Cheryl Sperling

Last time, we were talking about investing in mutual funds. Some will be asking when is the best time to invest and how often do we invest? Well, there's is no best time to invest than NOW! The sooner we start investing, the better, due to the power of compounding or the rule of 72. We invest even when the market is down, or the market is up, or when there is a political chaos, or when there is political peace and quite. We may hear that we should time the market, but in the following chart below, it will illustrate three (3) scenarios of different market conditions in the stock market.

Peso Cost Averaging. Like saving, we should make investing a regular habit. We should invest regularly, say monthly at a fixed amount! This is what we call as peso cost averaging. By doing so, we minimize or reduce the risk of our investment when the market goes up and down, or simply said whether the prices of stocks are high or when the prices are down. "Save as fast as you can while you can."

*Courtesy of IMG

In the illustration, an investor, Mr. A, decided or planned to invest 100 pesos every month for 6 months: (Today, or at present, we can start investing in mutual funds starting at

Today's Quote

2012-01-20T20:57:00.000+08:00

"Life is not measured by the number of breaths we take, but by the moments that take our breath away."

Take Control of Your Future

2012-01-20T01:12:00.001+08:00

By Cheryl Sperling

Almost all of us wants to be sexy or macho, strong and healthy. But, just like being physically fit and healthy, being financially fit is not that easy at all. It needs a lot of sacrifice and discipline plus planning to be able to reach our goal. 'Sacrifice', in the sense that we delay our "wants" today and invest first and grow our money. Bro. Bo said, that, "Its either you have money now or you will have money forever." "Discipline" is needed to be able to set aside a regular amount for your financial goals, may it be short term or for the long term goal which is for your retirement. "Planning", as its only through good planning that you will be able to map out a clear financial future and reach your ultimate goal of financial freedom!

Everyone has different goals, depending on their needs! So there is no "one" solution for everyone. Different challenges, calls for different solutions! And as we go through life, our status and family changes, like from being single to getting married and then to having children, that's why we have to continually revise our plan and do financial check-ups along the way. Here's a guide below:

* Courtesy of IMG

COUNT THE CHICKS, NOT THE EGGS

2012-01-19T05:45:00.002+08:00

By Michael Angelo Duenas

Most of the time, if not all the time, I think of my salary as a never-ending grace that continually presents itself to me as an opportunity to spend and bless others through what it can bring. I always bear in mind, that whatever happens, it is there; that it will continuously be around. But as I live my life payday to payday, saving nothing for myself or for my utmost future, I get nostalgic about the days wherein I could have been more of what I am now and I could have seen better things with what I have because I HAVE SAVED...

BUT, sadly, I failed to consider that unless the money is within my possession, it is never really there. And I tend to be assuming that I can spend more because I believe I can still manage my finances. And now I'm faced with the challenge of putting it all back together and start covering up for what has been over spent.

So the moral of this story is that, we should never include or claim things such as money as ours even before it touches our hands. And never ever spend or live a lifestyle beyond that capacity with which we can afford.

Everything Happens For A Reason

2012-01-17T10:10:00.000+08:00

Everything Happens For a Reason

http://www.youtube.com/watch?v=zyQ5ZSMENF0

212 Service

2012-01-16T00:59:00.001+08:00

flickspire - 212 Service

http://www.flickspire.com/m/lstruth/212S...

Someone once said, "Life is like a game of tennis. The player who serves well seldom loses." The same can be said for any business on the planet. However, when we talk about creating a service culture, most people will focus on "customer service." But 212° Service defines a service culture a little…

Why Mutual Funds?

2012-01-15T21:49:00.000+08:00

By Cheryl Sperling

As a new investor, investing in the mutual fund is the easiest and least stressful way to invest in the market, relying the investing in the capable hands of financial experts.

Among the benefits of mutual funds are:

1. It is so diversified. There is a specific allocation of the kind of investment entered to, in each type of funds. For example in Stock or Equity Fund, there is a mandate that just 10% shall be allocated for each industry, like for the 10% in banks, the Fund will buy blue chip companies like Banco de Oro, BPI , etc.

2. It is managed by a professional money manager who constantly monitors the stocks or bonds in the fund, so you can rest assured that it is on good hands. This is the manager's primary job so he has a lot of time in the research and in the selection of what investments to buy or sell, compared if you or the individual investor does the managing himself.

3. It is so liquid. If you want to redeem your shares, you will have the money in

Types of Mutual Funds

2012-01-14T00:02:00.000+08:00

By Cheryl Sperling

In the US, there are 10,000 kinds of mutual funds and here in the Philippines there are only fewer than a 100. But Mutual Funds can be classified into 4 types as follows: Bond Fund, Stock Fund, Money Market Fund, and Balanced Fund. They are so named in accordance to where the Mutual Fund is invested in.

Courtesy of IMG

How then will we choose which kind of mutual fund we will invest in? The answer is based on your investment risk appetite and/or your

What Is A Mutual Fund?

2012-01-13T20:18:00.000+08:00

By Cheryl Sperling

A mutual fund is a type of investment wherein which a "a group of investors" or an investment company pools money from many investors to buy stocks, bonds, or other money market instruments and is managed by a Fund Manager. This is a better option to investing directly, say in the stock market, especially if one has no time to do the research on individual companies and have no technical expertise in stock trading.

Courtesy of IMG

From the diagram above, we can see that many investors buy shares on a Mutual Fund of their choice and then the Mutual Fund Company will buy

Desiderata

2012-01-13T12:11:00.000+08:00

Here is a poem which can be our guide in our pursuit of a truly Wealthy Life!! Enjoy!

Desiderata

Go placidly amid the noise and haste
and remember what peace there may be in silence.

As far as possible without surrender, be on good terms with all persons.