Rich Money Habits

In my continuing effort to address your overwhelming request to feature true-to-life success stories to help inspire you in your journey to financial freedom, I am very honored to share with you my interview with one of the most influential foreclosure investing experts in the Philippines, my good friend Jay Castillo.

Jay Castillo, made his dreams happen – to become financially free. A few years ago, he was a busy IT manager working his way up to the corporate ladder. At one point in his life, he was really frustrated spending hours and hours working at the office and going through the frustrations faced by employees. He realized that the stress from his job was literally killing him.  That’s when he decided to do something about it for the sake of his loved ones. After reading Rich Dad, Poor Dad by Robert Kiyosaki, he was inspired to learn how to do real-estate investing.

He attended seminars, seek out mentors and built his now very popular blog Foreclosure Investing Philippines at foreclosurephilippines.com. After only a few years, he is already financially free. He was able to quit his job and work full-time on his real-estate business, that is investing in foreclosed properties. Without further ado, here’s my interview with Foreclosure Investing Expert — Jay Castillo.

1) Can you give us some background on what you did for a living before you got involved with real-estate?

I was the MIS department head for a multinational company. I have been in the IT field for more than 13 years and I worked my way up the corporate ladder from being an IT staff, to DBA, to Network specialist, supervisor, and to Manager.

2) What made you decide to pursue financial freedom by investing in foreclosed properties?

It just made perfect sense to invest in real estate and foreclosed properties appeared to be the niche with the most number of properties available out there. As to why I decided to pursue financial freedom, this article pretty much covers everything: http://www.foreclosurephilippines.com/2009/04/foreclosure-investing-is-not-really.html

3) What were the 3 biggest obstacles you had to overcome when you decided to pursue real-estate investing?

1. Lack of financial literacy – Some would say it would be lack of money but I would say it really is just lack of financial literacy. After I started to manage my finances, I started to have a positive cashflow, even though I only had income coming from my job. This is where I got money to invest not just in foreclosed properties, but also for my education.

2. Lack of time – It’s funny that we all have this excuse of lack of time, but when something drastic happens, like when I had to go to be rushed to the hospital, and eventually got diagnosed with hypertension at such a young age, I suddenly realized what things are more important to me, and I MADE TIME to for them. I stopped wasting time on unimportant things like TV, unproductive use of the computer for gaming, I no longer did overtime at the office where I focused instead on getting things done through automation, delegation, etc. I was able to set aside time to learn and do real estate investing.

3. Distractions – There were so many distractions like negativity, doubts, and fears, not just from the people around me, but also from myself. It really helps to have people who have the same goals in life to be around you as they help cancel out the negativity form “well meaning” people who really don’t have a clue what you are doing, and why you do it. Another form of distraction are those unproductive things like watching TV, reading too much newspapers, and a lot of those things that can be delegated or outsourced. For example, we hired a maid to take care of household chores, this alone freed up so much of my time and helped me focus on things that are more important.

4) Can share with us the story on how you finally achieved financial independence?

It was really just a combination of getting other income streams from real estate investing and internet marketing, learning how to manage my finances and stop spending on liabilities, and also practicing “delayed gratification”. It is also very important to “simplify” and lower one’s expenses. It just came to a point where I realized that my expenses can already be covered by income other than that from my job, and that gave me the means to quit my job, and go full time with real estate investing, and internet marketing.

5) How did you get started with internet marketing?

I started to take internet marketing seriously with my blog http://www.foreclosurephilippines.com . Initially, it was just an experiment, as I was looking for a way to have all my foreclosed property listings accessible from anywhere, through the internet, from my PDA, eliminating the need to bring the actual classified ads with me. I remember that during that time, I have just finished helping facilitate an internet marketing workshop of Jomar Hilario in Cubao, courtesy of an invitation from Thea Santos (Thea was the one in charge of Think Rich Pinoy Club Marikina, where I was a member back then), and I said to myself I might as well create a blog for this purpose. Aside from listings, my wife and I started to document lessons learned (our very first was about the auction of tax delinquent properties in Marikina), and people started to follow the blog and I guess the rest is history.

6) Which is better, real-estate investing or internet marketing? And why?

Personally, I am becoming more biased towards internet marketing because the passive income potential is so much more because of the global reach, physical boundaries are virtually non-existent. In contrast, with real estate investing, I prefer to invest in properties that are nearby, and that somewhat puts a limit on where I can invest. Of course there are ways for me to expand my real estate investing like partnering with other real estate investors, but this is turning out to be more complicated as compared to internet marketing. Furthermore, even if one invests in rental properties, I believe hiring a property manager at a certain point is needed for it to remain as truly passive income, I guess I’ll cross the bridge when I get there, so to speak. Nevertheless, I truly believe that internet marketing and real estate investing can have synergy. In fact that’s exactly what I am doing right now.

7) What is the most important habit you’ve learned that has really helped you in your journey to financial freedom?

One needs to have a big enough why that would help sustain one’s drive to be financially free, and I suppose one of my habits in relation to this is I ensure that I always remember why and for who I am actually doing all of this. I try my best to make all my decisions with this in mind. This habit also helps me become very disciplined in just about everything that I do, and this has made a world of a difference.

What 3 tips can you give to our readers who are also dreaming of someday being able to leave the rat race and achieve financial freedom just like you?

1. Start with a plan. In it you write your objectives(your vision), your purpose(or mission), your roles and goals, your principles (the non-negotiable’s), and your values. You also need to include the actions you need to do in order to accomplish your goals, make sure these are broken down into “S.M.A.R.T.” tasks (Specific Measurable Achievable Realistic Timebound). This may sound daunting at first. Looking back, I am very thankful that I did make a plan like this using an excel sheet and it was specific enough that it was like a checklist where each task accomplished will lead me closer and closer to my goals. This is very much like creating a business plan and I created mine early 2007!

2.  It’s all in the mind. You need to believe that it is possible. Think of it this way, what if your life or the lives of those you love depended on it, don’t you think you can actually do it?! It was like this for me, I strengthened my belief that it really is possible and there is a better way, especially after realizing my work(too much stress doing the work of 3 people) was killing me and I always had a choice what to do. I also believe in the following: “Whether you think you can or you can’t, either way, you are right” – Henry Ford

3.  Just do it. No one learns how to swim just by reading about it, etc, you really need to get into the water and start swimming. Sure you may swallow some water along the way, but that’s part of learning, just make sure you don’t drown. No one learns how to ride a bicycle by reading about it, etc, you really need to get on that bicycle and get your feet on the pedals and start riding. Sure you may fall many times, but that’s part of learning. Just make sure you don’t get hit by a car. No one learns how to drive by reading about it, etc,you really need to get behind the steering wheel and start driving. Sure your engine may stall at times and die, but that’s part of learning, just make sure you don’t crash and get killed. The same goes for striving to be financially free, you can’t just read about it, you really need to do it! Sure there will be problems along the way, but that’s part of the journey. Just make sure you apply what you have learned from others, fo llow your principles, values, and have good old common sense!

Cheers!

Allan

P.S.   Dear Readers, I hope you learned something new today and realized that financial freedom is indeed possible.  My hope is that you get closer and closer to it every day.

P.P.S.   Quick update on the launching of my Rich Money Habits guide ebook — I have both good news and bad news for you.  Bad news — all 10 slots for my special bonus to get a chance to play Cashflow 101 board game with me and my wife live have already been taken.  If you’re one of the lucky 10, you will receive an email invitation from me in the next few days with the event details.  The good news — I’m extending the 50% special introductory price discount to those of you who haven’t claimed your discounts yet.  This extension is available until end of this week only.  After this week, the price will now go up.  Hurry, get your copy of my guide now!

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First off, I’d like to thank all those of you who have already bought my very first ebook Guide Rich Money Habits – 8 Ways To Shift Your Money and Be Rich. I’ve been really busy the past few days with the launching of my very first ebook guide and due to many sleepless nights, I (again) got sick with colds.  What keeps me going is your overwhelming support and appreciation.  If you haven’t bought your copy yet, you can still get your 50% special introductory price discount until 7 PM tonight, Sunday, February 20th, 2011.

In continuing our series of featuring real-life success stories here at Rich Money Habits, I’ve had the priviledge to interview one of the most successful Internet Marketing Coaches in the Philippines — Jomar Hilario.

Jomar Hilario is widely known as the internet-marketing consultant of Bo Sanchez, who holds his own Internet Marketing Workshops in Manila and Cebu as well as offering his 1-Year Online Mentoring Club. He got started into internet marketing when he helped Bo Sanchez promote the Jars of Clay concert in Manila within 30 days while still working full-time as an IT manager for a multinational consulting firm in the country.

I met Jomar when I attended Bo Sanchez’ Truly Rich Financial Coaching Program. He was one of the resource speakers and I really enjoyed his animated presentation on the merits of doing business through the internet. I have since signed-up to his 1-Year Online Mentoring Program where I learned a lot of very useful tips on internet marketing that really helped me build Rich Money Habits. Simply said, without Jomar, I don’t think there would be any Rich Money Habits today. That’s why I am really honored to have Jomar grant this exclusive interview and make this available to you.

Without further ado, here’s my interview with Jomar Hilario.

1) Can you give us a little bit of background on what you did prior to getting involved with internet marketing?
I was managing hours and tasks of around 15 people in a big outsourcing firm. If that sounds like a lot, it is. “managing” means inputting numbers into an old computer program and watching the numbers “balance”. That’s pretty much it.

Before this I was developing, testing and implementing big and small IT projects for a local bank for 16 years.

Most of the technical know how for internet marketing didn’t come from the two above. The familiarity with technology, yes – it was impacted by work but I was familiar with computers BEFORE i even started college – so that’s like most teenagers today.

2) What made you decide to get into internet marketing and how did you get started?

I had to promote this Christian Rock band – Jars of Clay – in 30 days so
people can go to their Araneta Center (20,000 seat) concert. I loved
Christian Music, specially Christian Rock so I volunteered to sell tickets
to this event.

This will give you an idea of the Music:
http://www.youtube.com/watch?v=sCMKJPY3AKY
Idea of the band:
http://www.jarsofclay.com/

Understand that I really loved this band and what they stood for(Christianity) – hence I had to do something DESPERATE to promote them even if I had WORK during the day. Online promotion (friendster, multiply, yahoo groups) was the only thing I can think of – so that’s what I did – and since a marketing master told me (via an audiobook) “Marketing is synergy” – I hired 10+ people (Virtual Assistants/VA) to help me tell the internet about the concert.

In summary, I had passion for a band’s mission, and I THOUGHT of a solution called “Internet Marketing with VAs” without knowing it was called that.

3) Can you share with us the greatest obstacle you’ve had to go through so far and how you overcame it?

It depends on what you mean by obstacles. (this part will sound like it’s
taken from a book, but it’s not). I’m alive – hence almost everyday there’s a new obstacle – if I interpret it as such.

For example, buying and reading all the marketing books I want to read may be an obstacle for most people, but to me it’s a hobby (nope: more of a TEMPTATION:)

I tackle many hours of marketing interviews and seminars on my 160 GB ipod (the first I got for myself) – that’s not an obstacle as I listen to them repeatedly.

I run a small, young business (less than 5 years old) – so sometimes when business is very good, I do NOTHING for the business – and let the VA’s do LITERALLY everything. This is not good for young businesses – I should be the one planning and thinking about marketing. The obstacle is “finding the time/place” to think.

Everyone reading this going “WHAAAT? You’ve got a lot of time and you don’t think you have time?”.

Well I have kids and a wife, and if you’re single you won’t understand. But if you have a family like mine – the entire day is consumed by them easy – with no time for anything else – if you let it.

I’m writing this long piece in a hotel in Tagaytay – where I am checked in – alone. That’s why you’re getting quality long replies from me. Don’t get me wrong, I can also be writing this on one hand while my other hand is holding the laptop in the air to prevent Sean (age 2) from reaching it -and this will still be long. But imagine that situation for a minute and you’ll realize that it’s not a great scene for deep thinking or strategizing about your company.

Time to plan is a challenge hence I just created this planning retreat out of thin air patterned after corporate retreats and how Bo (Sanchez) plans out his year.

Another obstacle is forgetting and small thinking.

During my “concert days” I’m constantly bombarded by audio reminders (via the ipod) on marketing, the right mindset and impt tech news. Now that I’m home based, there’s less of that because I don’t carry an ipod at home. So I forget. I forget to declare things aloud before an event (declaring to the wind/universe what I expect the event results are). And the lack of audio encouragement has also led me to forget big thinking.

What’s that? Quickly answer this: In a room of 1000 people, if you were to sell them a product or service costing P 1000 per item per person, what’s your expected sales?

Correct answer: P 1000 x 1000 x 1000.
Everything else is a result of small thinking unless your result is higher
than the one above.

I will not explain how that’s possible. Ask me, in
facebook.com/jomarhilario I’ll tell you.

Here’s a hint: How come Bo Sanchez is targetting the creation of 1000 Feasts all over the world when all he has now is 20?

4) What two things you’ve done or currently doing that has yielded extraordinary results for your business so far?

1. Thinking Big – see example above. Whaat JOMAR? You just THOUGHT BIG???

Well it starts there — and so actions after that reflect the big thinking. Haha, and you live your life thinking “what is the secret to success” and when you find it – you’re disappointed it’s that easy? Do not fret, it’s not easy to “think big”. Try it, it needs exercise. Lots of it. Think of it as MARATHON training.

One of my think big exercises have yielded almost P 400,000 in one day -and that’s not a real estate commission or profit. And I gave away HALF of it too.

2. Hiring Virtual Assistants – w/c I did from the very beginning in 2004.

Lots of things happen in a day for my business because of VAs. So I’m here now in Tagaytay, the VA’s are “taking care of business, answering customers questions, caring for them etc”.

The result: More time for me to think! (w/c is a more precious commodity than you think, for example: Compare the # of hours you’ve thought about your life vs time you’ve used your brains to think about your WORK and work problems?

5) What’s a typical day in the life of a Jomar Hilario?

Typical Year: (I told you this will be long)

Jan Vacation for a week with family, VA Seminar (1/2 day)
Feb Planning Retreat before Feb 14, VA Seminar (1/2 day)
Mar Vacation for a week with family, VA Seminar (1/2 day)
Apr VA Seminar (1/2 day)
May Vacation for a week with family, VA Seminar (1/2 day)
Jun VA Seminar (1/2 day)
Jul Vacation for a week with family, VA Seminar (1/2 day)
Aug VA Seminar (1/2 day)
Sep Vacation for a week with family , VA Seminar (1/2 day)
Oct VA Seminar (1/2 day)
Nov Vacation for a week with family, VA Seminar (1/2 day)
Dec VA Seminar (1/2 day)

So fine, that wasn’t clear, so in summary:
6 months of week long vacations,
one VA event per month (1/2 day).
6 IM events per year (random dates)
perhaps 2 visits to Cebu (or another city) for the year.
all year long: always online

Total number of days in year: 365
Total number of massages a year (me alone) : 200

Of course this can change. If more live events come, GREAT, I love doing
them.

Typical day: It depends on MWF or TTHS, let’s tackle TTHS:
7am-9am – Swimming with everyone (including yaya)
9am-10am – Breakfast by the pool
10am – 1pm – Work on the computer while family “rests”
1pm – 2pm – Lunch
2pm – 3pm – Sleep
3pm – 6pm – Work/Fun on the computer while family sleeps, literally,
6pm – 7pm – Dinner
7pm – 10pm – Cavorting inside bedroom with wife and 2 kids until kids fall alseep
10pm – Honestly, I plan on doing the computer but normally just sleep.

MWF
Ideal / planned schedule is:
7am-8am – Breakfast
8am-10am – Walking the stroller with kids in the garden
10am – 1pm – Work on the computer while family “rests”
1pm – 2pm – Lunch
2pm – 3pm – Sleep
3pm – 6pm – Work/Fun on the computer while family sleeps, literally,
6pm – 7pm – Dinner
7pm – 10pm – Cavorting inside bedroom with wife and 2 kids until kids fall alseep
10pm – Honestly, I plan on doing the computer but normally just sleep.

Pattern is changed by:
1-2 dates with wife per WEEK
“Palengke” time and Grocery time
Week long vacations

Definitions:
Work – surfing the net, reading blogs that I like, listening to podcasts of tech news, seminars of good authors, managing the VAs

Fun – playing Asphalt 6 (a racing game), Lara Croft : Tomb Raider, discovering new apps for the ipad/ipod, reading magazines, watching shows like “Outsourced” and “Human Target” plus a bunch of Sci fi or comedy shows.

6) How do you motivate yourself to work on your business when you are working at home?

I like doing what I’m doing: A daily activity would be answering questions from my Club members and blog readers. Don’t really need to motivate yourself to eat ice cream MOST of the time right? Same thing with me. I’m so talkative It’s fun to be able to make this part of my work.

7) Can you share with us specific tips on how to become successful in internet marketing?

1. LEARN TO SELL, enroll in MLM or Insurance if they offer training, repeat the training 100 times. I am not joking.

2. Learn MARKETING by reading lots of books, listening to marketing masters (not newbies). You should learn it enough that you know exactly why Selling is different from marketing.

3. LOVE LEARNING about the internet. You’ll need a passion for learning what’s new in the internet to succeed in this business. Know this: The way you made your first 2 million (yeah 1 M a goal is too small for a first goal) is not going to be the way you’ll make your next 30 million. So keep learning. Learning must be a LOVE.

Give you an example: In my Social Mentoring Club last Nov 2010 I delivered a talk. In TRQ Cebu I modified the talk for the Jan 2011 talk. THIS WEEK, parts of both talks will need to be modified because FACEBOOK just changed their Pages format. It’s very easy to be obsolete in the internet. Do nothing and you’re left behind.

What advice can you give to our readers who want to earn an income from the internet?

Get a mentor or you’ll have to love making mistakes to learn things the hard way. But why punish yourself? A mentor always COSTS something – an amount, time etc. MISTAKES? They cost more.

To learn more about how to successfully build an online business, you may get in touch with Jomar through the following links:

• Email Address: Jomar Hilario / jomar.hilario@gmail.com
• Learn how to be an Online Entrepreneur: Click here to Get a Mentor Now!
• Learn how to work from home as a Virtual Assistant: http://homeworker.jomarhilario.com/
• Want to know the resources I use to create income from the net? Visit http://www.ultradust.com/
• Get your free online marketing lessons from my Facebook account: http://www.facebook.com/jomarhilario.

To your success!

Allan
_________________________
Allan Inocente
Rich Money Habits

http://www.akosiallan.com

P.S. Dear readers, I hope you enjoyed reading Jomar’s story and picked up valuable tips you can readily apply into your own situation.

P.P.S.  My very first ebook guide Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich is now available. Get a chance to meet me and my wife to play Cashflow 101 Boardgame if you’re one of the first 10 who buy my ebook guide. Cheers!

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Just a super-quick update.  My very first ebook guide Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich is now available.  You can check it out at this link:

http://www.richmoneyhabits.com

WARNING: There’s a time-sensitive early-bird bonus for the first 10
who buy the ebook.  Special introductory price is only available in
the next 72 hours.

To your success!
Allan

P.S. If for any reason, you are unable to access the link above,
you can go directly to the following link:

http://www.richmoneyhabits.com/rich-money-habits-8-ways-to-shift-your-money-habits-and-be-rich/

Things are moving pretty fast right now with the launching of my very first ebook guide Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich.  I just wanted to take this time to give you a quick update…

As mentioned in my last article, we now have an official launch date and time:

** Thursday, February 17th at 7:00 PM Philippine Standard Time **

As I write this, it is just a little less than 24 hours away.

It has been a long road, and I still have a few details to share with you, but it’s going to be a huge relief to get this launched and get it into my readers hands.
In the mean time, you can watch this countdown page as we get closer to launch –

http://www.richmoneyhabits.com

It will automatically redirect you to the order page once we start taking orders.
Also, if you missed the last couple of articles where I gave a little bit of background on what this project is all about, you can read them here

• What’s Brewing @ Rich Money Habits

• Your Valentine’s Day Gift – Get A Chance To Win 10 of the Best Business and Personal Finance Books Of All Time!

In case you missed it, there are two important things mentioned in my last update:
1) Reserve your copy now to get in the priority list to get huge bonuses and discounts.

One thing I haven’t mentioned in my last update is that there’s a special bonus discount EXCLUSIVE only to those who reserved their copy.  It will NOT be available to everyone else.  After my last update, the response from our readers have been overwhelming and a lot of them have have reserved their copy already.  Don’t miss out on this golden opportunity.  By the way, did I already mention that there’s a very very special surprise BONUS for the first 10 who will be buying the Rich Money Habits ebook guide?

2) Become an affiliate to earn 50% commission!

Get the chance to earn 50% affiliate income for referring this incredible resource to your friends! Signing-up as an affiliate automatically qualifies you to join the Rich Money Habits Guide Contest where the first 10 affiliates who are able to successfully refer a sale will receive one of the 10 best-selling business and personal finance books below delivered to their doorstep free-of-charge.

10 of the Best Business and Personal Finance Books of All Time

Straight From My Own Collection

To Be Given Away!

* All books above are actual hard copy version (6 HARDBOUND, 4 PAPERBACK) from my own book collection

Lastly, I wanted to give you a chance to get a sneak preview of the Rich Money Habits Guide.  Click the link below to checkout what makes this book really really special.

http://www.richmoneyhabits.com/sneakpreview

If you’re an affiliate, feel free to forward or share the sneak preview of the Rich Money Habits guide to your friends and contacts.

That’s all for now.  I am so excited I am hardly getting any decent sleep the past few days!

Let’s get it on!

Cheers!

Allan

P.S.  What are you waiting for? Reserve your copy to get HUGE discounts and/or sign-up as an affiliate now, promote the Rich Money Habits guide to your friends and get a chance to win one of the 10 Best Selling Business and Personal Finance Books of All Time!

Jomar Hilario is widely regarded as Bo Sanchez’ internet marketing guru and the “Tim Ferriss” of the Philippines.  I’ve been a member of Jomar Hilario’s Online Internet Marketing Club since last year.  I wanted to do a review of his online mentoring club for quite a while now, but because of busy schedule I have been putting it off lately.  This time, I want to get the review out ASAP so readers of this blog can take advantage of the huge discounts being offered only until June 29, 2010.

I first met Jomar while attending Bo Sanchez’ Truly Rich Financial Coaching Program.  During the seminar, Jomar shared his experiences on how he got started pursuing financial freedom through various ways.  He animatedly described his adventures struggling to make money through multi-level marketing, taking pictures of houses from one end of Metro Manila to the other by trying to sell/invest in real-estate properties, as well as his initial successes promoting a huge concert through the internet in just 30 days!

In that same seminar, Jomar offered his invitation for a 1-year online mentoring program to those serious about learning internet marketing.  The price is definitely NOT cheap if you compare it to the numerous ebooks about internet marketing out there.  But when you compare it to similar internet marketing coaching programs, which can run up to US $1,000, it is low priced.

Besides, 1-year mentoring offers something else that cannot be found in reading ebooks alone, or even a 2-day workshop.  The 1-year online mentoring program allows you time to digest everything you need to learn about selling and marketing through the internet.  You can ask Jomar to review your blog, ask him questions on any of the online lessons, you even get some special discounts to his other seminars.  As an added bonus, you also have the opportunity to learn from and interact with the other online internet marketing club members through the forum discussions.

In all honesty, when I heard the price, my initial thought was that “it’s too pricey!”  While pondering whether to sign-up or not, I tried to browse through Jomar’s site @ jomarhilario.com.  To my surprise, I saw a birthday promo being offered that time, which gave a whopping 50% discount!  I immediately emailed Jomar to sign-up and the rest is history.

Here’s an actual feedback I shared in the Online Mentoring Club forum discussions a few months ago about my experience with the club.

Reply by Allan Inocente on March 25, 2010 at 10:19pm

Before IMW Club, I earned a measly $1.08 from Google adsense in 10 months of aimlessly trying to learn how to make money from blogging. Since joining the club, my Google adsense earnings have steadily climbed up to reach the all time high of $32.23! That is 30X earnings in less than 5 months of applying the lessons learned from the IMW club.

The great thing about being in the club is that you can go back to the online lessons over and over again…if you still don’t understand, you can post your question in the forum, and someone will always be willing to share a thing or two to help you out with your problem. This is on top of Jomar’s very useful and straight to the point suggestions and recommendations, of course.

Be warned though, the club is not for the impatient nor is it for the half-hearted. The lessons may be simple and easy to learn but finding the discipline and willingness to apply those lessons will definitely play a crucial role in helping you achieve your goals.

Cheers!

Allan Inocente, IT Team Lead
Rich Money Habits @ http://www.akosiallan.com

Who should sign-up for this online mentoring club?

• if you are tired of waiting for your next paycheck or promotion
• if you are constantly frustrated with your measly income
• if you are not a techie but willing to learn how to earn money online
• if you have an existing brick-and-mortar business you want to take online
• if you want to have more time to be with your family
• if you want to work whenever and wherever you want, even from home

Who should NOT sign-up for this online mentoring club?

• if you are living in debt or on a tight budget and it’s all the money you have
• if you are looking for a get rich quick scheme, this is definitely not for you
• if you are not really planning to follow the lessons
• if you are afraid of the internet and don’t want to learn anything related to it

It’s been months since I signed-up and I’ve learned a lot since then.  But there is a lot more to learn.   If you do decide to sign-up for a 1-year online internet marketing mentoring program, congratulations and see you at the club!

P.S. I wanted to get this review out ASAP so readers of this blog can take advantage of the huge 50% discount to Jomar Hilario’s Online Mentoring Program!  Unfortunately, this promo is being offered exclusively to Truly Rich Club members until June 29, 2010 only!  So hurry, sign-up to the Truly Rich Club now so you can take advantage of this amazing offer.  Once a member of the Truly Rich Club, you can go to http://www.Bit.ly/truediscount to avail of the 50% discount to Jomar Hilario’s Online Mentoring Program.

P.P.S. If you’re curious, my Google adsense earnings has already reached US $49.81.  Not much, but if you’re like me who didn’t expect to earn anything at all, earning that amount of money “passively” is definitely a huge boost to my confidence!

DISCLOSURE: If you sign-up for a 1-year online internet marketing mentoring program, I get a little affiliate commission.  If you buy through the above link, send me an email with the receipt and I will give you a surprise gift.   If you don’t buy or or you buy from other links, that’s perfectly fine.  I still thank you for taking the time to read this article until this point.  Dont’ hesitate to contact me if there’s anything I can help you with.

It’s been more than a year since my wife and I signed-up to the Truly Rich Club. While it has been an amazing journey, there were also some logistic problems we encountered along the way. 

A few months ago, my wife and I had to renew our membership.  Since our credit card issued in Malaysia already expired, we renewed the membership using our BPI credit card here in the Philippines.  However, 3 months after renewing the membership, the DVDs and Audio CDs have NOT been delivered to our home yet. 

That’s when I tried to search for any support contacts in the Truly Rich Club member’s site.  To my surprise, I couldn’t find any support contact number. 

Thankfully, my wife was able to save an old email from the Truly Rich Club when we were still starting out as a member.  We emailed the address right away, and in 3 days, the DVDs and Audio CDs arrived in a bright red LBC package.

If you’re having the same problem or  you ever encounter any problem with your Truly Rich Club membership, you can email the following address:

P.S. Do you want to solve your financial problem?  Join Bo Sanchez’ Truly Rich Club NOW!

Be part of the Money Summit & Wealth Expo 2010, the BIGGEST wealth building and income opportunities super conference and expo in the Philippines, this coming July 2-3, 2010 at RCBC Plaza, Makati City.

Learn the best money secrets to grow and invest your hard-earned money from 16 of the most successful entrepreneurs, real-estate investors, best-selling business authors, sales superstars, and money experts in the country today.

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Who is this seminar for?

If you are an employee…

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If you are a professional, freelancer, or self-employed proprietor…

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See you there!

P.S. If you refer your friends, you earn a 5% referral fee.  If 10 of your friends sign-up for the VIP package, you get a whopping PhP 2,247.50!  And yes, I earn PhP 224.75 too if you sign-up as VIP now and indicate me (Allan @ Rich Money Habits by akosiallan.com) as your referrer.   Let’s continue learning rich money habits to achieve our dream of financial freedom!  Cheers!

P.P.S. Of course, I will still share whatever I learned from the event through this blog for the benefit of those who are unable to attend the Money Summit & Wealth Expo 2010.  Watch out for that in the coming month/s.

I’ve been wanting to do a review on Bo Sanchez’ Truly Rich Club for quite some time but I’ve been putting it off due to busy schedule at work.  When I read about Bo’s recent article “How To Be a Billionaire”, I thought people need to find out more about this.

Before I say anything else, please bear in mind that I am (well, technically I am not, but my wife is) a member of the Truly Rich Club, and if you sign-up to the Truly Rich Club by clicking the link at the upper right side of this site, I (or my wife) earn a little income as an affiliate commission.

That being said, this review is not to persuade you to do something you don’t want to do.  My hope is that by sharing my personal experiences with the club, it will help you decide if joining the club will be of help in achieving your financial goals.

How did you find about the Truly Rich Club?

A couple of years ago, I was an OFW working as a Mainframe Test Lead for a credit card company in Malaysia.  When I came home to the Philippines for a 2-week vacation, I came across Bo’s 8 Secrets of the Truly Rich book.  At that time, I was really trying to find out ways on how I can grow my hard earned money.  After reading the book, I realized he was actually holding Truly Rich Seminars in the Philippines.   Since I only had a few days left in the country before going back to Malaysia, I was not able to attend the seminar.

A few months after, I learned that Bo created the Truly Rich Club.  Because I wasn’t able to attend the seminar – I was very eager to try out the online club!

Since my wife was the one who has a credit card, I talked my wife into joining the club.  I am very blessed to have a very supportive wife.  She agreed to join in. The next month, we received the 2 months worth DVD videos and Audio CDs we ordered from the club.

Why did you join the Truly Rich Club?

I was in a foreign country.  My options were limited.  I couldn’t attend any seminar in the Philippines because I was out of the country.

I didn’t know anything about investing in mutual funds, stocks or internet businesses, especially in the Philippines at that time.  Yes, I learned a thing or two from various blogs and personal finance sites.  In most cases the specific advise on these sites were only applicable to other countries such as the U.S.  I didn’t know if the same thing can be done in the Philippines.

So when I came across the Truly Rich Club, it was like a dream come true.  Joining the club allowed me to learn how to grow my money in the Philippines! Moreover, through the monthly DVDs, I got to watch Bo Sanchez’ interviews and talks.  It was like attending the Truly Rich seminars virtually.

What did you like about the the Truly Rich Club?

The content is simply amazing.  When I started, I was looking forward to the next month’s issues.  My wife and I would always checkout the mail box just to see if the DVDs for the month have already arrived.

What I really liked are the very specific information shared through the various interviews on very successful businessmen.  You can see how they view money, their mindset in terms of relationships and on building businesses and character.

The club products are full-packed with information.  I can’t keep up.  There’s a lot of information to learn.  I’m still catching up with the rest of the power talks.

Bo also sends out a weekly Newsletter where he provides stocks update, business advise, and more.  The content is really overflowing, I only wish you could also learn from those DVDs and Audio CDs and get the financial information first hand.

One thing I really appreciate was the smooth transition of delivering the DVDs after my wife and I finally decided to come home to the Philippines last year. We wanted to have the audio CDs and DVDs delivered to our home in the Philippines instead.  We only had to email them our new address and voila! We received the products to the new address.

What I didn’t like about the the Truly Rich Club?

When we first started with the club, there were times when the DVDs arrived late.  Since we were always very eager, waiting for the next issue was a torture.

It would also be a great idea to have a forum exclusive to club members where lessons can be discussed or shared with each other.  The feeling of being in a community would certainly help boost members’ confidence when they start to struggle in taking action on those valuable financial tips.

Why I recommend joining the Truly Rich Club?

I honestly believe that in today’s world, information is king.  If you are not informed, you will be left out.  You will always be wondering how come others are getting financially ahead while you’re still stuck working at a dead-end job you really hate.

There were a lot of times when I wanted to share the incredible products I’ve watched or heard from the club, but it’s hard because there are copyright issues.  I don’t want to go into the business of piracy.  More importantly, I don’t want to profit from stealing other people’s products.

Thankfully, there’s one “legal” way to help share these products to you.  That is, if you decide to be a member of the club as well.  The Super Gold Package (DVD video +  Audio CD) costs PhP 997 ($37 for International Membership) monthly at the time of this writing.  The Gold Package (Audio CD only) costs PhP 497 ($39 for International Membership) monthly.  The Audio CD is basically a recording of the same DVD video so if you are interested only in listening to the presentations, you can take the Gold Package.  What I do is I copy the audio over to my iPod and I listen to it while working.  The great thing about it is that I can listen to it over and over again.

Bo Sanchez is a preacher so a lot of his talks contain references to passages in the bible.  While I don’t mind since I am a Catholic, others may not be as forgiving.  So if you don’t like hearing the word “amen”, please bear this in mind when you join.

How has the club helped you so far?

After my wife and I finally came home to the Philippines to settle for good, we immediately attended Bo’s Truly Rich seminar.  Even though he was discussing the same basic concepts from his book and the club, it’s still refreshing to see Bo presenting the ideas with my own eyes.  It’s a bit surreal. You can learn more about my experience on the seminar here.

My wife and I also attended the financial coaching program a few weeks after.  After the seminar, I was really excited to finally get started.  Here are 3 things I’ve been exploring since I started taking action on the many lessons from the club and the seminars:

• RTBs – my wife and I finally started investing in RTBs.  You can learn more about how we opened an account. Here’s an update after we received our first interest income.  And, only a few days ago, we already received the 2nd quarterly interest income.  Yey!
• Stocks – I’ve started investing in stocks.  I’ve invested through EIP for a couple of months now.  These are small (PhP 5,000) monthly investments on the most stable companies listed in the Philippine Stocks Exchange.  My basic strategy is to take advantage of the dollar cost averaging.  I’ve also learned another strategy from Bo’s Stocks Update that I may try out soon – that is, Super EIP (I think this was coined by Bo himself).  If you want to find out, you can sign-up to the Truly Rich Club or wait for my updates by subscribing to this blog via RSS or Email. Subscription to Rich Money Habits blog is FREE!.
• Internet Marketing – I am a techie. Having spent the last 8 years of my life working in IT, I am very fluent in more than a dozen languages. Unfortunately, only 3 of them can be understood by human.  No, I am not an alien.  Most of the languages I know, only computers are able to understand.  I can communicate (i.e. program) in Visual Basic, C, Mainframe Languages, Assembly Language, and more.  Which brings me to my point.  I want to be able to communicate to fellow human beings as well as computers.  I want to find out how to present an information product on the internet in a way that the other person will be able to know exactly what he is getting into.  If it is something that will solve his problem, well and good!  If not, at least he doesn’t have to waste his time digging deeper, seeking clarification on that specific product.

What will you get when you join the club?

While reading Bo’s newest book “Choose To Be Wealthy: 8 Habits of the Happy Millionaire” which was launched last Saturday at SMX Convention Center, I got the most updated list of the 11 Big Blessings you will receive if you decide to join the Truly Rich Club.  The list is so much more now than when we signed-up more than a year ago.  It’s really great that Bo is giving away so much.

Here’s a sneak peak of what you will receive:

2 Powertalks every month (instant access via MP3)

Bo’s Success Mentors Collection every 3 months

4 Wealth Strategies newsletter every month

Daily God’s Whispers email

How To Be Truly Rich Seminar

How To Conquer Your Goliaths Ebook

How To Turn Thoughts Into Things Ebook

My Maid Invests in the Stock Market Ebook

Monthly update of what Bo invests in

Earn passive income by becoming Bo’s affiliate in the Truly Rich Club

Earn passive income with Bo’s other internet work

There’s even an amazing “wow experience” guarantee. Here’s how it works.  Should you decide to cancel your membership during your first month of membership, after receiving the stuffs above, the money will be returned to you no questions asked.  You even get to keep all the stuffs that have already been sent to you – an amazing $251.50 value.

That’s all I can share for now.  If you do decide to join the Truly Rich Club, congratulations to you!  My hope is that you become Truly Rich in every sense of the word and share your blessings to other people!  Good luck!