Month: February 2011

Categories
Life Lessons Money Mindset Personal Finance

Reader Question: Where do I start?

Recently, I received this very interesting email from a reader of this blog.  While reading through it, I realized you may also be facing the same questions, doubts and fears, so I decided to share her questions (with her permission, of course) and my answers with you so you can benefit from it as well.

Sir,

Good day! I’m Jane Doe (obviously not her real name…I changed it to protect her privacy), 27, working as an accounting staff for a Pharmaceutical Company.

I have heard alot about investing and I have always wanted to give it a try. It’s just that I’m still a bit scared. It’s not as if I have tons of money to just invest on something Im not 100% sure of. I would like to earn more before I start..

Where do I start Sir? Can you give me suggestions? Do I have to join the TrulyRichClub of Mr.Bo Sanchez to know everything I have to know? Won’t I be able to make it good without joining the club? Because honestly, I’m thinking of how much I would save from the monthly membership fee. I am not rich, I would love to be though, it’s the very reason I work hard each day for me and my family.

I really hope you can give me an idea on where I should start..

Thank you so much.. 🙂

Jane Doe

Here’s my response to Jane’s questions:

Hi Jane,

I really admire your enthusiasm and your willingness to learn to start investing in spite of your doubts and fears.

And I totally agree with you. It can be scary sometimes especially if you’re starting on something you’ve never done before. What if you lose the money? What if you make a mistake? What will others say about you? How do you get started?  All these are valid concerns and definitely worth noting.

To tell you the truth, I still feel the same fears whenever I start something new. What keeps me going is the belief that in the end, everything will turn out alright.

1) Where do I start?

For a moment, a list of suggestions went through my head in a flash…until I re-read your question and noticed this — “…I would like to earn more before I start.” It made me re-think my assumptions…and realized, perhaps you already know the answer to your own question. You just need a little bit of encouragement. 🙂

It goes without saying that everybody starts out from different places. And for illustration purposes, I assume your work as an accountant is your major source of income. And you have at least a few good ideas on how you can save money by reducing your expenses or increasing your income. If that’s the case, then here are some simple ideas that may help you get started by utilizing that extra money you save each month.

1) Payoff your debts (if you have any). If you have debts, try to pay it off as soon as possible. There are different kinds of debts both good and bad, which is an entirely different discussion. But if you’re just starting out, all debts are very risky and can turn into really bad debts. So for now, just avoid any debts while you’re still trying to learn to manage your own money.

2) Save for emergency fund. If you have not saved for emergency fund yet, start saving for an amount equal to at least 3 to 6 times your monthly salary. Why 6 months? The idea is that if you lose your job or your only stream of income, it will normally take you around 6 months at the most to find another job. Your emergency fund will NOT make you rich but it will feed you and your family if something unexpected happens, like losing your job. Never use your emergency fund for investing. Just save it in a bank so you can withdraw it quickly in case of emergency.

3) Start investing, but take it one baby step at a time. Once you’ve saved for emergency fund, don’t stop. Continue saving. But now, put you savings into your investing account instead of your emergency fund. This money will only be used for investing. Learn how to invest effectively. The key is to invest only up to the amount you’re (almost) comfortable with. I say almost because if you are only investing in what you are comfortable with, you miss the opportunity to expand yourself to learn not only intellectually but emotionally as well.

It is really important to start with a good strong foundation by learning to manage your own money. The sooner you save, the more money you can use to pay off debts and save emergency fund, and the sooner you will have money to invest.

2) It’s not as if I have tons of money to just invest on something Im not 100% sure of.

This is a 2 part question — 1) not enough money and 2) not 100% sure

For the first one on not having enough money, I would say we all start somewhere. The important thing is to manage what you currently have and every income that comes to you and pass through your hands. Learn how to better manage your money. Even Henry Sy had to make do with selling shoes in a small retail store in the beginning.  I also don’t have a ton of money to invest. But I take action because I know that’s the only way I will be able to learn how to invest…and every lesson I learn will pay off big in the long run.

For the second part on not being 100% sure, the reality is that you can never be 100% sure. Even your savings account is not 100% risk free. You can only claim for up to the amount insured by the PDIC which is PhP 500,000.  Of course, if you saved less than PhP 500,000, you will still be able to get your money (after going through a tedious process). But imagine for a moment that you saved PhP 600,000. You will lose the PhP100,000 if your bank folds up. It’s not millions but it’s definitely money you cannot just throw away. It is already a BIG money for a lot of people.

The first investment my wife and I invested in is on RTBs (Retail Treasury Bonds). There’s a reason why we chose RTBs instead of stocks or real-estate. We were afraid. And we thought RTBs was the next financial instrument with the least amount of risk involved, next to savings accounts. Retail Treasury Bonds are debt papers issued by the government. In simplest of terms, it’s the government’s way of borrowing money from you. When you buy RTBs, you are essentially lending money to the Philippine government. The gov’t has to pay you the interest (quarterly) for the duration of the term specified in the bonds (e.g. 7% per year in 7 years). As you might have noticed, the interest is not that big, but it is certainly better than your savings accounts in your bank which gives less than 1%. More than the passive income we got from investing in RTBs, the really important benefit is gaining the confidence after actually investing our hard earned money. When you actually do something, you not only learn in your mind, but with your emotions as well and the experience gives you a more powerful belief that you can actually do it, something you cannot get from just reading a book.

If you’re interested in investing on RTBs, you can ask your bank’s local branch. I read in the newspaper that the gov’t issued RTBs just this week and the 10-year tenor bonds fetch around 7.37%. RTBs usually run out fast, and may already be gone after 1 or 2 weeks.  So if you’re really interested, you need to act fast.

3) Do I have to join the Truly Rich Club of Mr. Bo Sanchez to know everything I have to know?

The short answer is no. I do believe joining the truly rich club is a great help (because it helped me), but you certainly don’t have to join if your savings doesn’t allow it at the moment. You certainly don’t want to get into debts just to join the truly rich club. 🙂 The thing is, you can actually get the same financial lessons for FREE if you attend the Feast by Bo Sanchez every Sunday at the PICC. In the weekly Feast this month of February, Bo has discussed about making more money, investing in your 10% and multiplying your 20%. Last Sunday, he also gave a talk about managing your 70%. These are financial lessons that will go a long way in helping you in your financial journey…and it’s FREE. 🙂

Lastly, you have to do something to actually learn. In one of Bo’s talks, he mentioned about allowing yourself to be exposed to the same ideas over and over again, until you are moved to take action. The important part is to take action. For only when you take action will true learning begins. It doesn’t matter how many books you’ve read or financial seminars you’ve attended, the fear will always be there. And the only way to beat that fear is to take action. Push your boundaries bit by bit, until you expand yourself to become comfortable into your new situation.

Hope the above ideas help you in your financial journey.

God bless you!

Best Regards,

Allan

While the above tips may seem simple at first, they are nevertheless very valuable lessons that will help you lay a good foundation for your financial journey.  Before you can run, you need to start walking, Before you can walk, you need to start crawling.  Like a little child taking its first step you may fail many times in the beginning.  But once you start learning and applying what you learned, you will soon be running around all they long, so happy with the many places your dreams have taken you to.

Dear Readers, what are your greatest doubts and fears in starting your journey to financial freedom?   How were you able to overcome them?

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Investing Make Money Online Passive Income Personal Finance real-estate Story

Interview with Foreclosure Investing Expert — Jay Castillo

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.

8) 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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Make Money Online Story

Interview With Internet Marketing Guru — Jomar Hilario

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.

8) 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:

To your success!

Allan
_________________________
Allan Inocente
Rich Money Habits
https://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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Business Life Updates Make Money Online Money Mindset Personal Finance

Rich Money Habits Ebook Guide is Now Live!

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/

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Business Life Updates Make Money Online

Rich Money Habits Guide Launching: Latest News

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

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!

 

One Minute Millionaire by Mark Victor Hansen and Robert Allen (HARD BOUND) The Success Principles by Jack Canfield (HARDBOUND) If You Want To Be Rich and Happy Don't Go To School (PAPERBACK) How To Identify and Invest in the Hot Stocks of Tomorrow by Michael Moe (PAPERBACK) Increase Your Financial IQ by Robert Kiyosaki (PAPERBACK) Your Money or Your Life (PAPERBACK) Why We Want You To Be Rich by Donald Trump and Robert Kiyosaki (HARD BOUND) How To Get Rich and Think Like a Billionaire by Donald Trump (2 IN 1 HARD BOUND) Multiple Streams of Income by Robert Allen (HARD BOUND) Ready Fire Aim by Michael Masterson (HARD BOUND)

* 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!

Categories
Life Updates

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

Before anything else, I’d like to greet you a Happy Valentine’s Day!  May this day be special for you not only because you will get roses and treated like a queen, but also because “to love and be loved in return” is the greatest feeling of all.  Feel the love.  Cherish the moment.  And remember to love in return. Speaking of love, my wife and I have been pouring our hearts and soul into our own mini-project, working doubly hard the past few days as we get ready for the launch of my very first ebook guide Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich. And now, the really great news is — we now have our official launch date and time:

7:00 PM, Thursday, February 17, 2011 (Philippine Standard Time)!

====================================================================

Visit www.richmoneyhabits.com to get a glimpse of the book

and reserve your copy now! (Hint: Discounts & Bonuses)

==================================================================== To make this more exciting and more enjoyable for you, I’ve decided to hold a contest —

The Rich Money Habits Guide Contest

Prizes:

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

Straight From My Own Collection

To Be Given Away!

One Minute Millionaire by Mark Victor Hansen and Robert Allen (HARD BOUND) The Success Principles by Jack Canfield (HARDBOUND) If You Want To Be Rich and Happy Don't Go To School (PAPERBACK) How To Identify and Invest in the Hot Stocks of Tomorrow by Michael Moe (PAPERBACK) Increase Your Financial IQ by Robert Kiyosaki (PAPERBACK) Your Money or Your Life (PAPERBACK) Why We Want You To Be Rich by Donald Trump and Robert Kiyosaki (HARD BOUND) How To Get Rich and Think Like a Billionaire by Donald Trump (2 IN 1 HARD BOUND) Multiple Streams of Income by Robert Allen (HARD BOUND) Ready Fire Aim by Michael Masterson (HARD BOUND)

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

Here are the very simple steps you need to follow to win the contest:

1) First, click here to sign-up as an affiliate so you can get 50% commission by referring the Rich Money Habits ebook guide to your friends.

2) Refer your friends to reserve and buy the ebook using your affiliate link provided upon sign-up!

Step 1: Email your affiliate link to your contacts! Step 2: Share your affiliate link in Facebook! Step 3: Tweet your affiliate link in Twitter! Step 4: Blog about the Rich Money Habits guide and refer your readers to your affiliate link.

Criteria for Winning:

Each of the first 10 affiliates who refer a successful sale will not only get 50% as commission from the sale, but also WIN one of the above 10 best-selling business & personal finance books of all time— hard copy version (6 HARDBOUND, 4 PAPERBACK), NOT an ebook, straight from my own book collection!

And that’s not all…

1) The earlier bird gets the worm. Whoever makes a successful referral first gets to choose which of the above books he wants as gift. 2) If you win, you will get your prize delivered straight to your doorstep for FREE. I will shoulder the shipping.  You don’t have to pay anything.  In fact, I will even be the one paying you your 50% commission! 🙂 3) The special introductory price will only be available for 72 hours. Reserve your copy now! This will get you in the priority list so you don’t miss out in availing the HUGE bonuses and discounts.  HINT: a very very special gift awaits the first 10 who buy my Rich Money Habits guide. That’s all for now.  This is going to be an exciting week! Cheers! Allan P.S.  What are you waiting for?  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!

Categories
Business Life Updates

What is Brewing @ Rich Money Habits

It’s 2 AM in the morning and I’m still typing away at my keyboard. I really just wanted to take this time to share with you what I am busy with lately, and let you in on an exciting project that I will be launching very very soon.

Three $100/ month income stream goal for 2011 explained

As you know, I’ve shared with you my personal goals for this year. One of those goals is to generate at least 3 streams of income generating $100 per month each. To some of you, it a small amount. Why not make a goal of earning a million instead?

Here’s why.

I’m not crazy. 🙂 I know how to be realistic given that I still have a full-time day job I go to work to almost everyday.  But that’s not really the main reason why.

Right now, I’m actually more focused on learning how to set up systems to create little streams of income that will give cash flow in the future.  If it turns into a profitable venture later on and I end up earning a million, well and good!  If not, I know I will do better next time.

I understand it will probably take a lot of time, money and effort from me in the beginning while I’m still setting up the systems.  But my hope is that once the systems are running smoothly, it will take less and less time from me to maintain it.

To be honest, I can actually earn the $100 a month quickly out of the decent income coming from my day job as an IT consultant.  Unfortunately, it comes with a stiff price.  It still requires my time and effort day in and day out.  So if I want another $100 for next month, I’d have to show up again. If I don’t show up, I won’t have any income. And it does take a lot of my time and effort showing up with the same energy every time.

The Challenge

The challenge is to learn how to setup systems so that it will be able to automatically bring value to other people, people who are willing to pay for the value they receive. Which, in turn, will give additional stream of income from this blog.

My goal for this year is to focus on setting up those systems to be able to at least support this blog. And $100 seems like a good amount to start with. I know, embarking on this project will not make me rich right away. I might even lose some money for investing on setting up these systems.

But to me, I value the experience more than the income. I know I will learn something valuable from the experience. And those lessons will help me in the long run.  That makes it so exciting. That’s why I want to get started right away.  🙂

Current streams of income for this blog

A few days ago, I learned that I actually reached $100 income from Google adsense. Yes, finally! After, 1 year and 4 months! 🙂  Some people may say, “What?! 1 year and 4 months?!  Why so long?”

I know it’s a long time. And I’m ok with that.

It’s something that I decided early on when I created this blog. I don’t want to focus on ads alone. I want to focus more on bringing value to you.  And if that means removing or at least minimizing distracting ads, I am all for it.

Another income stream that’s been helping support this blog is the affiliate income from referring my friends to Bo Sanchez’ Truly Rich Club. My wife and I have been a member for around 2 years already and so far, we’ve learned a lot and been blessed bountifully from joining the club.

Do you want to know my secret in deciding what to stocks to invest on?  It’s Bo’s monthly Stocks Update Newsletter sent exclusively to members of the Truly Rich Club.  The newsletter lists down recommended companies that are worth looking into along with their potential gain if they hit their target price.

Reading through the list of recommended companies helps me get started in focusing on specific companies that I want to research more on.  Some of which I could later decide to invest in.

What to expect from Rich Money Habits in the coming weeks

In the coming weeks, there will be a lot of exciting things happening here at Rich Money Habits Blog.

The first and most important — I will be launching my very first product for the year 2011! Yehey! 🙂 While I don’t expect to become a millionaire from this one product alone, I hope that this is a start of something remarkable.

My hope is that this will help me in my goal of creating a monthly income of $100 a month. When you think about it, that’s just PhP 5,000! If I just have a little bit of initiative, I can go find a job that could pay me that amount doing ordinary stuffs.

Why Launch Your Own Product

One thing I learned while promoting other people’s products is that you have very little control over how the product is created and delivered. You rely heavily on the other party’s integrity in delivering value to your friends when you refer it to them because to be honest, you really don’t have any other choice.

That’s one of the major reasons why I’ve not been focusing much on Google adsense.  I don’t have a clue on who is behind those automatically generate ads.  I’d hate to think I might be promoting a sleazy or scammy product that cold potentially hurt you.

That’s why I am working hard on giving something more valuable by releasing my own product soon.  At least, I’d have the control on making sure that I create and deliver something really valuable that can really help you in your journey to financial freedom.

Almost ready for launch

My very first product of the year is almost complete. My wife has been helping me out with it a lot lately.  It’s like our mini-project outside of our daily jobs, where we create something remarkable together.  Besides, I’ve had so much fun because it’s our little bonding moment at the end of each day.  I guess you can say it’s a product out of love (Cheesy, I know, but what the heck Valentine’s day is almost here)! 🙂

I will be launching my very first guide “Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich!”. If you’ve been visiting this blog for some time, you might notice that the title looks familiar. And it is!

The ebook is actually based on the highly popular Rich Money Habits 101 Series Newsletter, where more than 1,200 have already been blessed.

Here’s what they have to say about the Rich Money Habits 101 Series:

“Very informative, full of good ideas!”

–  Fred from Cebu City

“Very personal, very simple from the heart lessons about finances!”

–  Anna from Mandaluyong City

“Thought provoking!”

– Rod from General Santos City

“Concise, informative and a good read!”

– Deo from Urdaneta Pangasinan

“Eye-opening thoughts and financial advise on wise investing”

– Francisco Jr. from Butuan City

“It’s complete advise on how to reach your financial freedom. The insights are very helpful. From changing your mindset and habits to the “How-To’s” of different vehicles to financial freedom.”

– Gailord Fidel from Mandaluyong City

“It addressed issues that I hadn’t recognized in myself before and also it came just at a time when I was starting up a business. Now I am always looking out for what I may be doing wrong and making sure that this time around I am developing only rich money habits.”

– Lissa from Lusaka, Zambia

“I liked the part about saving 20% of your income. I had difficulty saving before I read your Rich Money Habits series. I was paying first all my debts and expenses when salary day comes and what was left which was almost nothing to savings .Now I’m learning how to save properly with discipline and determination.”

– Rowena from Alkhobar, Saudi Arabia

“Fantastic! I like the idea of protecting your money from its enemy including yourself…and to invest early in life like planting a tiny seed if you want to succeed financially. These great ideas, I think should be taught to every poor and struggling Filipino. Had I read your blogs early on I should have protected my money retirement money. But its not too late anyway. I got the idea, applied it, and also shared it to others.”

– Eduardo from Malaybalay City

“All of the ideas in Rich Money Habits series are very helpful!”

– Johnry from Cebu City

“Informative. Relevant and true to life experiences. Proven and tested.”

–  Leo from Manama, Bahrain

I am going to be very upfront with you. 80% of the Rich Money Habits guide ebook is based on the same material found in the Rich Money Habits Newsletter. I know I am taking a big risk here for letting that out. But being honest with you is more important to me than having that extra sale.

I am a straight-forward kind of guy and I hate misleading people.

Why buy the ebook if you can get it free through the newsletter? Great question. And in all honesty, I think it’s something a lot of people will probably do. And I am ok with that. It means more to me to have you receive this information any way you want than making the extra buck.

However, I do realize that some of you still prefer to consume the material in a more readable format, where everything is together in one neat package available right away, and not have to wait for several weeks. The Rich Money Habits guide ebook gives you that choice to get all the information you want in an instant.

I understand that this will not be for everyone. My only hope is that the income from those who buy the Rich Money Habits ebook could at least support the newsletter so that more and more people can get the inspiring articles for free.

It takes money to maintain the system that send out each of the Rich Money Habits Newsletter issues every week to the more than 1,200+ subscribers (and still growing rapidly!).

Launching this ebook not only gives an option to those who want to get the information in a more readable format, it will also allow me to make the Rich Money Habits Newsletter available for free to a lot more people!

This way, I can focus on providing more value to you.

Win, win, win! 🙂

That’s all for now.  This is already getting too long.  It just shows how excited I am on this new project I am embarking on!

 

 

P.S.  Come join me in this journey!  If you want to get into the priority list to get HUGE discounts and bonuses once the Rich Money Habits guide is out, you can sign-up here!

P.P.S. If you are a personal finance blogger and would like to post a review or you just want to help me promote the ebook as an affiliate (yes, you too can earn from this!), just send me an email through the contact page, and I’ll work out the details with you from there.

Categories
Stocks

CitisecOnline’s Philippine Stock Market Outlook for 2011

Today, I got curious when I saw an email Newsletter from CitisecOnline, Inc in my mailbox.  The newsletter contained some videos discussing the Philippine Stock Market Outlook for 2011, at least from CitisecOnline’s point of view.

I was amazed because I didn’t expect to receive such a video report prepared in painstaking detail.  I must admit I often get bored seeing power point presentations. Oftentimes I don’t understand half of it.  But I still I thought it would be a good idea to at least share them with you so we can both learn something new today.

DISCLAIMER: I am not connected with CitisecOnline other than as a customer.  I don’t earn any income from promoting them on this site.  All rights to the videos below are with CitisecOnline, Inc.  Please exercise due diligence and consult your own financial advisors before acting on any recommendations mentioned on this site.  I am not liable for any loss or damage from direct or indirect use of the information contained in this site including the videos below.

With that said, here’s

CitisecOnline’s Philippine Stock Market Outlook for 2011

FUNDAMENTAL OUTLOOK (Part 1)

by Ms. April Lee-Tan, CFA

Topics: Inflation and interest rate hike concerns, fund flows, strong fundamentals of the Philippines and the investment boom in the Philippines.

http://www.youtube.com/watch?v=3mat2Oy3GZU

 

FUNDAMENTAL OUTLOOK (Part 2)

Topics: today’s valuations, following a buying plan, and the COL Stock Picks for 2011.

http://www.youtube.com/watch?v=rzTG-9HLnwM

 

 

…If at this point, your head is about to explode because of information overload, wait till you watch the following videos. 🙂

 

TECHNICAL OUTLOOK (Part 1)

by Mr. Juanis Barredo

Topics: brief market overview, a 1-Year Performance read of the Philippine index, a look into the global recovery and current fund drifts.

http://www.youtube.com/watch?v=ZokTWnsKwJ4

 

TECHNICAL OUTLOOK (Part 2)

Topics: Headwinds facing the market, the impact of inflation and interest rates, an examination of Europe and what our observations are.

http://www.youtube.com/watch?v=hfCTn8Igt5s

 

TECHNICAL OUTLOOK (Part 3)

Topics: What is up ahead, a weekly and daily overview of the PSEi, CitisecOnline’s expected scenario and our technical outlook stock picks and support points.

http://www.youtube.com/watch?v=uYgLV0yzqfU

 

I hope you didn’t get a headache from watching the videos. 🙂

 

Readers, what thoughts do you have about the stock market outlook for 2011?  Do you think the market’s optimism will carry us through?  Or will the stock market be sluggish this year?

 

Good luck investing!

Allan

 

Allan Inocente

Rich Money Habits

www.akosiallan.com

 

P.S.  Something is brewing here at Rich Money Habits…Watch out for my next post, as I try to fill you in on my very first project for 2011!  This is going to be really exciting! 🙂

Categories
Investing Personal Finance real-estate Story

Interview With Millionaire Real-Estate Investor Eden April Alemania-Dayrit

Hey guys! First off, I’d like say THANK YOU SO MUCH for the overwhelming response to the recent Rich Money Habits survey.  I am learning a lot from your feedbacks. Rest assured, I am going through each and every one of your responses.  This way, I get to understand what kind of financial information you are looking for so I know how best to help you. So keep them coming! 🙂

In fact, I have already gone through some of your feedbacks and a lot of them are requests to have more features on real-life inspirational people or leaders who set good examples in building wealth. 

To give you an idea, here are some of the responses to the survey question “What improvements would you like to see in the Rich Money Habits Series?”

“I would like to read about real life experiences of those who have successfully implemented the habits to wealth”
                                              – from Rod of Gensan, Philippines

“More examples of true to life stories. Testimonies.”
                                              – from Leo of Manama, Bahrain

The really great news is we have a very timely feature for your today to address this overwhelming request from our readers.  Lucky for you, I managed to get hold of the young real-estate investor millionaire, Eden April Alemania-Dayrit for an interview here at Rich Money Habits. 

I met Eden last year when my wife and I tried to invest in a private-lending deal for a real-estate property.  We partnered with Eden on that deal.  We have since gotten back our investment with the agreed upon interest income and we are very very happy with the outcome.  Through that deal, I have known how trustworthy Eden is, and that’s why I am very happy to have Eden featured here at Rich Money Habits. 

Without further ado, here’s my interview with Eden April Alemania-Dayrit.

1)  Tell us a little bit about yourself.  What were you busy with before you discovered real-estate investing?

I am a chemical engineer by profession who worked for semiconductor companies handling sustaining operations in manufacturing lines. Thinking that I will be an employee in the long run, I took up a master’s degree in Electronics Engineering. But on the last semester of the course, I decided not to finish it because that was when I began investing in real estate.

2)  What made you decide to get into real-estate investing and how did you get started? 

I got into the stock market and got burned in the mid-2007 market crash and hadn’t recovered. My boyfriend then (now my husband) and I partnered in a dimsum food stall in the place of his employment that later on included a waffle cart. It lasted for 6 months and we realized that food business is not our forte.

While still employed, I read books like Rich Dad Poor Dad and Think Rich Pinoy. These books inspired me to look beyond employment and pursue the path of entrepreneurship. We bought our first piece of real estate — a condominium unit in Taguig where we now live in. To save on acquisition cost, I applied as an agent. Little did we know that it was our spring board in our real estate career.

If I didn’t know how to cut my losses on other businesses early on, I wouldn’t have been in real estate investing.

3)  Can you share with us the story of your first real-estate investment property?

It was a Quezon City townhouse. We bought it from a bank at 50% off market value through an auction and paid a downpayment of 20%. It was then sold at 70% market value on a flexible term scheme (rent-to-own) after 7 weeks of acquisition.

4)  Can you give us an idea about the process you go through before you decide to invest in a real-estate property?

The real estate investing process is actually very simple. Find, fund, fix, sell then profit. But the real issue that most people have a hard time on is the thought process and deciding when to actually jump. I did the unthinkable — I quit my stable job. And that made it easy for me to decide to pursue the first property because I basically put everything at stake. It was a "now or never" decision that pushed me to do well. (Though I don’t advise people to do the same because that decision also had repercussions like I couldn’t take on a loan because I didn’t have a job that the bank requires to have that forced me to take on investors at the very beginning.)

5)  What’s the most important habit you’ve learned so far that really helped you in your real-estate investing?

I learned to listen to mentors. I am a stubbornly independent person and I find it hard to do things if I don’t do them my way. But when I agreed to be under my mentors’ wing, I had no choice but to follow because I believed in what they taught me. I listened intently until I learned the ropes in real estate investing. Until I learned it well, I then improvised. I still am stubborn, but I use that trait to stubbornly pursue the deals that I am getting into.

6)  If you can start your real-estate investing all over again, how would you do it differently, and why?

I’ve made a few mistakes along the way. Sometimes I wished that I could’ve asked for a higher price for a property or wished I didn’t buy a certain property. I sometimes thought that I should’ve set my criteria higher in selecting tenants. But these things were easily remedied and didn’t hurt a lot because I’ve set contingencies too. So if I could’ve done it all over again, I will still do what I’ve done because the small mistakes made me a better real estate investor now.

7)  Why do you think you’ve succeeded in real-estate investing at such a young age while many others struggle to even get started?

I’d say that age doesn’t have to do with it. It just so happened that I started earlier.

The main factor that hinders a lot of people from succeeding is one’s mindset. I always say that every basic thing that you need to know about real estate investing are all in the books. And you will learn along the way some techniques that will be useful. But all these will go to waste if one’s mindset is not on the right track.

This may sound funny but believe me, work on your mindset, get educated on the business and everything will fall into place.

8)  What advice can you give to our dear readers who want to get into real-estate investing?

I get a few questions like, “We are looking at the same lists in banks and newspapers, how do you spot good deals?” I’d always say, start by familiarizing yourself with the prices of properties for sale or sold in your own area or the area you want to focus on. Walk around the neighborhood and ask around, network with brokers and look at online sites where these properties are posted. Naturally, the opportunity will present itself in the form
of undervalued properties for sale or of neighbors seeking your help in selling their property.

I describe myself as a perennial student because I continually enroll in classes for self improvement. Invest on yourself by attending courses or seminars specific or supplementary to real estate investing.

Seek mentors. Accelerate your learning curve by asking questions or partnering with someone who have done what you want to do.

Lastly, be persistent. Do not stop at the first sight of failure. At 24, I overcame barriers and accomplished a feat that I haven’t even dreamed of myself–all because of my persistence, and I’m sure you can too.

 

More about Eden: Eden specializes in real-estate investing through rent to own properties and dreams of helping create 1 million millionaires by 2020.  You can checkout her website at http://renttoownproperties.blogspot.com/ to find out her growing list investment properties.  If you’re searching for a house you want to invest in, Eden highly recommends checking out http://www.bahayatbp.com.

 

P.S.  Dear readers, I hope you enjoyed Eden’s story as much as I did and learned something that you can apply into your own situation.  Have you tried investing in real-estate?  How was it?  What other tips can you share based on your experience?