Author: akosiallan

Announcing the Winner of Jack Canfield’s Hardcover Book – The Success Principles: How To Get From Where You Are to Where You Want To Be

Post author By akosiallan
Post date March 26, 2011

Today, I’m delighted to announce the winner of Jack Canfield’s Hardcover Book – The Success Principles: How To Get From Where You Are To Where You Want To Be. This is part of the Rich Money Habits Guide Contest I kicked-off during the launching of my Rich Money Habits Guide Ebook where 10 of the best business and personal finance books of all time are given away for FREE to the first 10 affiliates who are able to refer a successful sale of my ebook.

…and the winner of the first book is…Neil Arias!

Neil is the one on the left, and that’s me on the right, wearing a collared shirt with dark blue horizontal lines.

This picture was taken during our recent Cashflow 101 game last March 12, 2011. During our conversation, I learned that Neil is also an IT professional like myself. That’s why I think we get along very well. He also attended Trace Trajano’s Think Rich Quick 2.0 seminar and I had the priviledge of listening to his thoughts and experience going through Trace Trajano’s Apprentice Challenge. One thing I noticed about Neil is his determination and willingness to learn…that’s why I am very happy to give him this valuable hardcover book from my own collection. I’m sure this book will help take him to “where he wants to be”, just like how the book’s title said it would. 🙂

Here’s the good news for you – there are still 9 more hardcopy books to be given away for FREE! Click here to find out how you can join the contest and get a chance to win one of the following best-selling business books of all time.

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

Cheers to your financial success!

Allan

P.S. After my recent article about the 10 real-life tips from playing Cashflow 101 gameboard, I’ve received lots of emails from readers of this blog inquiring how they can join the next Cashflow 101 event this coming April. Here’s the good news – the date is finally set to April 3, 2011, Sunday from 1 PM to 4 PM in the afternoon. Click here for more details. There’s only a very limited number of slots available so better reserve early so you don’t miss out. There’s a minimal fee to cover the cost of the venue and some light snacks. Avail of the early bird price of only PhP200 if you reserve on or before Thursday, March 31, 2011 at 7PM PST (Philippine Standard Time). After that, the price will go up to PhP400.

P.P.S. Bo Sanchez will be holding his How To Create Millions Through The Stock Market Seminar next Saturday, April 9, 2011 from 8:30AM – 12:00PM at St Francis Theatre, Lourdes School of Mandaluyong City. Here’s the really great news — you can get a chance to win a FREE ticket to Bo Sanchez’ Stock Market Seminar if you join my Cashflow 101 Event this coming Sunday. See you at the Cashflow 101 Event!

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50% OFF to Jomar Hilario’s 1-Year Online Mentoring Club Until March 31 Only

Post author By akosiallan
Post date March 26, 2011

One of the reasons this blog has become popular is because of the valuable lessons I’ve learned from enrolling through Jomar Hilario’s 1-Year Online Mentoring Club. The results speak for itself…and it’s not just me.

To tell you the truth, you wouldn’t be reading this now if I am not 100% convinced that the Online Mentoring Club lessons actually work.

Now, here’s the good news…this month, Jomar Hilario is giving a favor to Bo Sanchez’s Truly Rich Club members by offering them the 1-Year Online Mentoring Club membership at 50% off until March 31,2011 (I know, I know it’s only 5 days left…that’s why I wished I announced this sooner.) If you are able to sign-up on time, send me an email because I have some special gifts for you.

If you are not familiar with Bo Sanchez’ Truly Rich Club, you just need to answer these questions:
– Do you want to gain financial wealth and spiritual abundance at the same time?
– Do you want to get Bo Sanchez’s Financial talks in CD, DVD or downloads and get specific financial advise from Bo?
– Do you want to find out what specific stocks to invest in and taught on when to buy and when to sell?

If you’re saying yes, of course, then you can consider joining the Truly Rich Club.

Once you’re a Truly Rich Club member, you can now avail of the 50% off of Jomar Hilario’s 1-Year Online Mentoring Club until March 31,2011 only.

See you at the club!

Cheers!
Allan

P.S. That’s not all, if you manage to sign-up on or before March 31, you will get my Rich Money Habits Ebook Guide for FREE including all bonuses, and you will also get a special reserved slot in my next Cashflow 101 event this coming April.

P.P.S. What are you waiting for? Join the Truly Rich Club now and avail the 50% off discount of Jomar Hilario’s Online Mentoring Club! I’ve only seen Jomar offer the 50% discount once or twice since I joined the club sometime in September 2009 so make sure you don’t pass up this incredible opportunity today.

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10 Real-Life Money Tips From Playing Cashflow 101 Gameboard

Post author By akosiallan
Post date March 16, 2011
1 Comment on 10 Real-Life Money Tips From Playing Cashflow 101 Gameboard

A couple of weeks ago, my wife and I played Cashflow 101 game board as a special bonus to the first 10 who bought my ebook guide Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich. I was excited because I haven’t done anything like this before in my life. I first learned about the Cashflow 101 boardgame around 2005 when I read Rich Dad Poor Dad book of Robert Kiyosaki. Ever since reading the book and finding out about the boardgame, I had a yearning to play Casflow 101. The only problem — the boardgame costs quite a bit, around PhP 10,000. And being a struggling employee facing credit card debts, I didn’t have that amount of money then.

One day, while reading through the Entreprenuer’s forum, I learned that someone is holding cashflow 101 games at AIM Makati City. Even though the price is quite expensive (at that time) at PhP 800 for a 4-hr workshop, I grabbed the opportunity right away. I enjoyed the game so much I played again (and paid another PhP 800). It was a real learning experience, realizing that there’s a different world of money out there I’ve never recognized before.

When I went to the US a year after, buying a Cashflow 101 board game for myself was one of my main goals. So when I got back from my 6-month stint in the US, I didn’t hesitate to buy the game and bring it home with me to the Philippines. I immediately played the game with my family and friends. Everytime I play, I learn something new — how to analyze a deal, how the cash flows for every event that happens in your life, etc. The most important realization I got was recognizing my own attitude about money. Am I generally conservative? Or agressive? Am I the type who goes into debt and takes advantage of the power of leverage? Or am I contented just watching other players enjoying making deals left and right while I am still afraid to take advantage of the small deals even though it is only play money.

It’s been months since the last time I played Cashflow 101 game. While playing the game this time around, there were many real-life lessons that came flashing through my mind that I wanted to share with you.

Here are the top 10 real-life tips I’ve re-learned while playing Cashflow 101 again.

1) Having a High Income Does Not Mean You Are Wealthy

One of the players had a profession of a doctor. He had a hard time getting out of the rat race because of the high expense. He had to be really be creative and financially savvy to generate a lot of cashflow to cover the high expense. Contrary to popular belief, high income doesn’t necessarily mean you are wealthy. Even with your high income, a high expense will leave you little cashflow (aka Paycheck) at the end of the month. Unless you turn that casfhlow into income producing assets, you will have a hard time getting out of the rat race. What does it mean? You need to manage your expenses and be creative if you want to achieve financial freedom. You cannot rely only with your high income.

2) Being Creative Is More Important Than Being Knowledgable

In real-life, what you know is only potential asset unless you apply it. And the only way to apply what you know is by being creative in using the knowledge that you have to find solutions to other people’s problems. Getting into good debts to buy a real-estate property can be a good strategy, provided you know how to manage that property so it gives you extra cash at the end of the month. For that to work, you need to understand your market, your cash flow and equip yourself with the necessary financial intelligence to make the deal work. Good deals are everywhere. However, those with creative minds have an easier time recognizing those deals because they invested the time to learn to spot those deals. To be creative, you need time and effort. Time to feed your mind data to recognize good deals from bad, and effort to battle through the emotional learning to make it work.

3) You Can Be An Ordinary Teacher and Beat A Doctor From Getting Out of the Rat Race.

Sometimes, having a lower income can be an advantage, provided you also have lower expenses. And because you have lower expenses, the less passive income you need to generate to get out of the rat race. In real life, this is easier said than done. One because, sometimes, even with the low income, the expenses are even higher. You end up borrowing money from other people just to pay for the food you eat. Other times, you are discouraged with living each day from paycheck to paycheck. If you play the cashflow 101 boardgame, realizing this important lesson will give you hope. If only you know how to manage what you have, you have the power to get out the rat race sooner than you think.

4) Be Careful What You Focus On

What you focus on expands. If you focus on problems, you will see problems. If you focus on opportunities, you will see opportunitites. In playing Cashflow 101 board game, there’s a trap that a lot of beginners frequently fall into — i.e. focusing on your paycheck. When you receive your paycheck, you glee in delight as you bring your token over the yellow cell. As you accumulate more and more money, however, you begin to hunger for more opportunities instead, to the point where you no longer want to fall into a yellow cell (paycheck)…You now want to land on an opportunity everytime! When this happens, celebrate because you have just started to shift one of your core money habits. You are now focusing on opportunities and going beyong just receiving a monthly paycheck. You are no longer a slave of the 15th or 30th days of the month. Now, you are looking for small deals and big deals so you can build those assets that produces income. Keep it up and soon financial freedom will be yours.

5) Every Event In Your Life Impacts Your Cash Flow

Lose your job. Have a baby. Go on a shopping spree. Buy an opportunity. Donate to charities. They all impact your cash flow. They either add in to your expenses, or to your income. However, they don’t have to stop you from building your asset and minimizing your liabilities. You still have the power to determine how it impacts you. At the start, I pulled up a doodad card where I had to pay more than what I have in savings. I had to borrow money from the bank just to pay for the “vacation”. When you get in this situation during a game, it’s a bit discouraging because you don’t have any money left and you don’t have anything to invest. You have to wait for your next paycheck to get back into the game. The reality is that a lot of people live this kind of lifestyle in real-life but they don’t have a clue that one false move (a.k.a. losing your job) can lead them into financial disaster.

6) The More You Play The Game of Money, The More You Recognize Opportunities Around You

I’ve played the game many times, and because I’ve read and re-read the cards on deck, I know what small deals and big deal opportunity cards are out there. I know what’s possible in terms of market going frenzy over houses, stocks or businesses. I do believe the same applies to real-life. The more you learn about what’s possible, the more you are able to expand your consciousness and focus on those opportunities. By taking advantage of those opportunities, you give your self a chance to gain your own financial freedom.

7) Take Action and Take Advantage of Opportunities

Watching others make a move doesn’t do you any good. Take action. No matter how small. Each baby step is a giant leap to your dreams. You never know when the next wave is going to hit and carry you to your goals. I’ve played the game since 2005, and yet I am still learning. The only reason I learned what I know is by taking advantage of the opportunities that life gives me. I don’t always make money, sometimes I even lose some. But the more I go through all those experience, the more I gain the confidence to move forward.

8) Luck Favors the Prepared Mind

Opportunities are flashing before your eyes every second of every day. You only need to train your mind to see those opportunites. The reality is that it takes time to build your mindset to see those opportunities. It took me years to finally see that earning money aside from your job is indeed possible. But without the constant exposure to financial lessons, I doubt if I even had the courage to start the Rich Money Habits blog.

9) Money Attracts Its Own Kind

Even the smallest passive income can turn into big amount if you put your heart and soul into it. In reality, there’s only one asset you actually have – YOU. You are the asset. You determine whether something becomes an asset or a liability. A perfectly viable business like Mang Inasal can be profitable if the owner knows how to turn it into an asset. If the same asset is transferred to someone who doesn’t know how to manage a food business, and doesn’t have an inkling of an experience running a business even as small as a food cart, the same asset can turn into a liability.

10) YOU are the asset

Even the smallest passive income can turn into big amount if you put your heart and soul into it. In reality, there’s only one asset you actuall have – YOU. You are the asset. You determine whether something becomes an asset or a liability. A liability can turn into an asset, and vice-versa. A perfectly viable business like Mang Inasal can be profitable if the owner like Edgar Siap knows how to turn it into an asset. If the same asset is transferred to someone else who doesn’t know how to manage a food business, and doesn’t have an inkling of an experience running a business even as small as a food cart, the same asset can turn into a liability.

Keep on dreaming. Keep on learning. Keep on Believing.

Cheers!

Allan

P.S. If you’re searching for ways to practice what you learned in Cashflow 101 in real-life, CLICK HERE to email me.

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5 Surprising Truths Google Adsense and Launching an Ebook Taught Me About Earning Money Online

Post author By akosiallan
Post date March 7, 2011
1 Comment on 5 Surprising Truths Google Adsense and Launching an Ebook Taught Me About Earning Money Online

I’ve wondered a few times whether I’d share this information to you or not. I hesitate because the topic of earning money online invoke different emotions from different people. One of my main goals in this blog is to be as transparent as possible but my fear of being taken negatively is getting in the way. Today, I’m taking a leap of faith to share with you what I learned trying to earn income from Google adsense and launching an ebook to help inspire you in your own financial journey.

Google Adsense

Last week, I was able to finally claim my very first $100 Google Adsense earnings. That’s after 1 year and 5 months. The $100 minimum threshold was actually reached by the end of January but Google takes another month to compile everything to have the necessary payment issued. Here’s a picture of the payment.

While trying find the yellow receive money form of Western Union, I was surprised at first because the form was a bit different that what I expected. It’s now smaller than what it was previously. I filled-up the new form anyway and gave it to the Western Union agent. In less than 3 minutes, my money was handed out to me in cash. Hassle free. Of course, I had to bring two IDs (my driver’s license and employee ID) for identification purposes as well as print out the payment details in my Google Adsense admin page but that’s pretty much it.

Why am I sharing this to you? Simple. It took me 1 year and 5 months to earn $100. Hardly exciting. But when you think about it, this is purely passive income. I didn’t have to create or ship any product, hire employees or even actually sell anything. All I did is copy-and-paste an html code provided by Google upon signing-up for FREE to automatically generate Google ads. Whenever someone “clicks” on those ads, I get an income paid by the advertisers of those ads. Google tracks and manages every part of the process. All I do is copy-and-paste the code once and forget about it. After reaching the threshold, I received the $100.60 amount from Google. It’s a relatively small amount, but being able to earn it passively is mind bloggling.

How it all started…

A few years ago while still working as an Overseas Filipino Worker (OFW) in Malaysia, I started writing about my thoughts on money and investing and published them here at Rich Money Habits (you can check out my old articles at the archives section). In March 2009, I got interested in the potential of making money online and tried putting Google adsense ads into this site. After 8 months, my Google adsense earned me a whopping total of $1.08. 🙂

For some this was a very very small amount. And it is! That’s just enough to buy a small burger. But one thing that got stuck in my mind from earning that small amount is the realization that I can actually earn money online — it is indeed possible! That helped inspire me to try to learn about how to do it more effectively.

I really didn’t know much about Internet Marketing then, so when I found out from attending Bo Sanchez’ Financial Coaching Seminar that Jomar Hilario is offering an Online Internet Marketing Mentoring program, I grabbed the opportunity right away. From Jomar’s Online Mentoring program, I learned that you can display the Google ads in a certain way to maximize your Google earnings. I did apply some of it and noticed my Google earnings start to grow. It really suprised me because after a month of applying those lessons, I now earned $6.10! Still not that huge, but it is now more than 5 times what I earned in 8 months figuring it out by myself. 🙂

This could have been higher if I bombarded this blog with Google adsense to the point where you cannot read the articles anymore, but as I mentioned in one of my previous articles, I decided early on that Google ads will not be the main focus of this blog. For as good as the “passive income”sounds, there are still some things that are worth more — that is helping you read through the articles without disctractions, so you can focus and absorb the money and investing tips better.

Rich Money Habits Guide Ebook

Last February 17, I launched my very first ebook guide Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich. Because it was my first time to publish a paid product, I didn’t know what to expect.

What if no one buys? Am I asking for too much? What will other people say? I had all these fears and the more I thought about it, the more I realized that these ideas are only in my mind…they reflected my own internal struggles that I had to battle through. I had to refocus my attention away from my own fears.

There was only one question I had to answer — “will this help other people?” My short answer was a definite YES! And because I created the product from beginning to end and applied the same ideas myself, I know how valuable it is. But I still didn’t trust myself enough. I had to go and ask other people, specifically those who have read the same information through my newsletter…and the feedback was overwhelmingly positive. It was enough to give me the courage to actually launch the ebook.

Launching the ebook was my own little experiment. And it’s aligned with one of my goals this year to earn $100 monthly income passively from at least 3 income streams. I wanted to share with you the results (so far) not to brag, because there’s nothing to brag about, but to help inspire you to take your own journey as well. Here it is.

Total guides sold: 15

Total sales: $118.38 USD

Affiliate share: $8.97 USD

I am not a best-selling author and I don’t claim to be one. I am just like you, an ordinary person still working full time as an employee looking for ways to bring value to other people and earn income without having to spend so much of my time…because in reality the bulk of my time is still being consumed by my full-time job.

5 Surprising Things I Learned from Launching My Ebook

1) Comparing Ebook Earnings vs Google Adsense Earnings. The $100 amount was reached in just a week after it was launched. For a moment, I realized the same result ($100) was achieved a lot faster compared to Google adsense! 1 week vs 1 year and 4 months! It’s hardly a comparison. Of course, Google adsense pays only in cents while the ebook is priced at $9.95 initially.

2) The value of launch. As expected, the bulk of the sales (80%) was made on the launch day itself and continuing on to the next day. After that, the sales began to taper off in the next few days. Now, it’s 1 guide sold every other day. Which is not disappointing considering that this is now purely passive income. I don’t have to do anything anymore. Everything is being taken cared of by e-junkie, my shopping cart provider.

3) Being true to your customers. One buyer sent me an email asking when will the book delivered. After receiving the email, I was surprised. Suffice it to say, I didn’t expect it and was confused at first. One, because I was selling an ebook, not a hard copy version. And two, because I was totally clueless that the book description was misleading people. I checked my site again and realized that there’s actually no specific mention that the guide is sold as electronic copy only (i.e. ebook) and there’s no paper-based actual hard copy to be delivered. After calling the buyer, I figured out the miscommunication right away and promised to fix the problem. Unfortunately, I couldn’t ship a hard copy book to the buyer so I decided to do the next best thing. First, I decided to refund the payment immediately. Also, I gave away the ebook, including the bonuses to the buyer for FREE to help compensate for the inconvenience. Last and more importantly, I had to go and modify the description of the Rich Money Habits package to say that the buyer will get an ebook, not an actual hard copy paper-based book to prevent other people from facing the same problem.

4) Facing your fears by taking action. One surprising thing I learned from the whole experience is that — “your fears are not as scary as you might think.” My fears didn’t materialize. Someone actually bought my ebook. That alone gave me the confidence to think that this could actually work.

5) All the support that you need is nearer than you think. Some of my friends were delighted when they learned that Bo Sanchez wrote the Foreword to my ebook. The reality is that Bo Sanchez wasn’t even paid to write the Foreword. And I didn’t even have to meet him in person to make the request. One night, while thinking who should write the Foreword for my ebook, I asked myself this question — “if there’s one person in this world that you look up to and would like to write the foreword to your ebook, who would it be”. There’s only one person that came into my mind — Bo Sanchez. I learned a lot from Bo Sanchez so to have him write the Foreword would really be the greatest thing in the world for me — a seemingly impossible dream at that time. I hesitated because I felt my own insecurities cropping through my mind. Thoughts like “who am I that Bo Sanchez would take the time to write to foreword of this ebook?”was making my own personal doubts stronger. But I started writing the email anyway…and at the last second, I closed my eyes and took a leap of faith by clicking the send button. The next day at 9AM in the morning, I got the surprise of my life. Not only did Bo Sanchez read and replied to my email — he even wrote the Foreword and included it in his email reply right away, no questions asked! Wow! To say I was happy is an understatement. I was wearing a very wide smile the whole day! 🙂

Throughout this journey of trying to learn to earn income through the internet, I’ve met a lot of interesting people and learned a lot along the way. But my journey is only just beginning. I am still a long way from financial freedom…but I’d like to think I am inching towards my goal each and every day. My wish is that this article help inspire you in your own financial journey.

Cheers to your financial success!

Life Lessons Money Mindset Personal Finance

Reader Question: Where do I start?

Post author By akosiallan
Post date February 25, 2011

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

Post author By akosiallan
Post date February 22, 2011

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

Post author By akosiallan
Post date February 20, 2011

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:

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
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!

Post author By akosiallan
Post date February 17, 2011

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/

Business Life Updates Make Money Online

Rich Money Habits Guide Launching: Latest News

Post author By akosiallan
Post date February 16, 2011

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!

Life Updates

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

Post author By akosiallan
Post date February 14, 2011
2 Comments on 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!

* 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!