You are today where your thoughts have brought you;
you will be tomorrow where your thoughts take you.
~ James Allen
you will be tomorrow where your thoughts take you.
~ James Allen
Monday, March 11, 2013
Tuesday, January 29, 2013
Practical Money Management and Investment Strategies Seminars
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
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
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
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
Monday, December 17, 2012
Truly Rich Club
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!!
Best wishes and good luck,
Cheryl
Monday, February 13, 2012
The Complete Financial Plan
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
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!
Saturday, February 11, 2012
Wednesday, February 8, 2012
What Is Your Financial Goal?
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
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
Monday, February 6, 2012
Winners are Planners
By Cheryl Sperling
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...
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
Is THIS Success?
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,
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,
Saturday, February 4, 2012
An Inspirational Story!
Can we connect the DOTS in our life!!! Read on .... and be inspired!
Steve Jobs' 2005 Stanford Commencement Address
Thursday, February 2, 2012
5 Comeback Rules
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
Monday, January 30, 2012
Today's Quote
"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
Thursday, January 26, 2012
Today's Quote
" 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
Wednesday, January 25, 2012
"How To Prosper" By Bro. Bo Sanchez
"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.
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.”
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
Tuesday, January 24, 2012
Peso Cost Averaging
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
Friday, January 20, 2012
Today's Quote
"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
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:
Thursday, January 19, 2012
COUNT THE CHICKS, NOT THE EGGS
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.
Tuesday, January 17, 2012
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