Ready to invest? Two Simple Lessons that will Make You Safe [Part 2]

Below article is the second part to complete the previous post on the importance of investment safety nets all investors should have. Click here to read the first part.

***

Second investment safety net - Income Replacement

Its sole purpose is to sustain the life of your family for at least 5-10 years without you providing for them.

If you don’t want to follow the formula: Income Replacement (IR) = Annual Income x 10,

then use this instead: Annual Expenses x (5-10).  The bigger the better and you will have more peace of mind.

Remember that Income Replacement is not for you to enjoy. Income Replacement can be provided by a “Pure and Term Insurance” only which is much cheaper than any other bundled insurance available in the market.

If you are a corporate person, then right now you are covered with group insurance policy which you cannot take with you when you retire.

Your financial position will be much better if as early as today you can secure your family’s future and your assets.

The features and functions of a Pure and Term Insurance are:

1. Its cheaper because there is no savings portion. (Your savings will earn much more if you invest it correctly, say 12 percent to 60 percent per annum.) Quit one merienda for P30 to P50 a day and you can already protect yourself and your family with a P1 million coverage that will double if death is due to accident.

2. The major function of “Pure and Term Insurance” is Income Replacement if you die too soon without completing the wealth-building process. Your family should be able to sustain their life for the next five years even without you providing for them.

3. Why Term only? Because your insurance coverage must increase as you become wealthier, so as to protect all your assets.

4. Another function of insurance is that it can help your son and daughter pay off the needed estate tax within 90 days upon your death which is 20 percent of your total estate, to facilitate transfer of your estate to their names.

5. It’s Tax free so it’s good money for your family. Why die without value when you can die and GIVE millions of pesos for your family, loved ones or even to charitable institutions?

and lastly...

“Insurance is not about you getting or receiving. Insurance is all about you giving and loving.”

Have sufficient “Pure and Term Insurance” to protect your life and all your accumulated assets.
 

*** 
PS: The above piece is a short section of a sample Wealth Strategy article of Truly Rich Club from Lyndon Malanog. (Click here for the first part of this article.)

Lyndon Malanog is an Entrepreneur and the Financial Coach of Bo Sanchez, Inc.. He continuously gives “Financial Discipline and Wealth Management” seminars to companies and groups as part of his noble mission and advocacy of educating people. 

Meet Lyndon (and Aya Laraya of Pesos & Sense) in person in our Philippine Stock Market Premier Seminar this coming September 28 at Gateway, Cubao!

Get more details here.
Super early bird rate of 2497 1997 1497 ends this August 23 so reserve your slot now.

Ready to invest? Two Simple Lessons that will Make You Safe

Volatility in the stock market is pretty normal and nobody could really time it. So continuously plant into your investment portfolio. If you are looking for the perfect timing on when to get in or out, then you are indeed gambling.

Time is our greatest ally not timing, because over long term, the number of shares you have accumulated is still much more powerful than the price per share.

All the ups and downs of the market will also be corrected if your investment horizon is long-term. Your goal should be to accumulate as many shares as you can, as fast as you can while you can. This is the reason why you need to set up your “Investment Safety Nets” first because during a downtrend all of the three asset categories (paper, real and business) will be priced cheaply.

Part of our financial strategy for wealth preservation and transfer is to avoid selling any shares or any of the three asset categories during times like this.

Set Up Your 2 Investment Safety Nets

Before taking any further risk in building wealth, remember always to set up 2 Investment Safety Nets:

1. Long-Term Medical Savings
Building wealth has no shortcuts so it means that we really have to deal with the uncertainties of life and at the near-end of our life, all of us will need more medical attention whatever our lifestyle is today.

In order for us to build a solid financial foundation, we need to make the right preparations because the most expensive part of our life is not sending our children to college, but sustaining our life during retirement amidst the continuously rising cost of medical expenses.

Before we allow our team members and investors to invest on mutual fund equities (90 percent stocks and 10 percent government bonds), we make sure he/she will not spend it all for his medical expenses when he/she gets old and sickly.

Why? A major medical crisis can wipe out everything that you have labored for in your lifetime if you don’t have a separate savings allocated for your long-term medical expenses. This is what happens to a lot of people who retire from their job very rich but die very poor because they consume everything that they accumulated in their entire life for their medical treatment.

Why Have Long-Term Medical Savings?

This is a part of our Financial Strategy to Wealth Preservation and Transfer. Let us not forget that the cost of medical expenses doubles every 5-7 years and considering major surgery today which will cost half a million pesos, then 30 years from now, it will already cost P4 million if it doubles every 10 years.

This long-term medical savings should be our first investment so as not to burden our children or relatives with the expenses in the future.

Again WHY Do We Need This?

During downturn of the market or correction, and worst, during recession, all asset classes (paper, real and business) will be priced negatively. In the last 20 years, the annual returns of stocks and equities has hit negative four times and two times, it hit 5 percent and lower. If your equity investment will only earn 2 percent to 5 percent per annum, then your money is not growing because our average inflation is 5 percent to 7 percent per annum. Just like what is happening with your money in the bank, it loses value year after year.

So, during these times, you can’t sell your shares of stocks and equities or any investment at a negative or losing value. What if you need the cash for a major medical treatment or surgery? Will you sell at a loss?

Financial planning means having a separate investment instrument that will cater to your medical needs so that you will not dip into you investment and only sell when the market is up or when it gives greater positive returns.

Don’t be a beggar to your own children. Be a responsible parent. Make sure to preserve your wealth for your future generations. Have sufficient long-term medical savings.

***

 PS: The above piece is a short section of a sample Wealth Strategy article of Truly Rich Club from Lyndon Malanog. (Click here for the second investment safety net all investors should have.)

Lyndon Malanog is an Entrepreneur and the Financial Coach of Bo Sanchez, Inc.. He continuously gives “Financial Discipline and Wealth Management” seminars to companies and groups as part of his noble mission and advocacy of educating people.

PS2: Meet Lyndon in person in our Philippine Stock Market Premier Seminar this coming September 28 at Gateway, Cubao!

Get also an exclusive bonus lifetime access  to our Investing in Philippines Private Mastery Group to help you maximize your learning from the seminar.  

Get more details here.
Super early bird rate of 2497 1997 1497 ends on Aug 23 so reserve your slot now!

You say you're a long-term investor.. but do you know your goal? (by Lyndon Malanog)

Long-term investors as we are, our goal today is to accumulate as many shares as we can. The price per share is not our concern right now because over long-term, the number of shares is much more powerful than the price per share, so keep on adding into your stocks and equity fund accounts.

The ups and downs of the market should not change our investment perspective because our goals are long-term so just put and put and put into your investment account. As long as your “Investment Safety Nets” (term insurance and long-term medical savings) are in place, you are in a secured investment zone.

All indicators shows that in the next 3-5 years our country will enter into a decade of progress and profitabilitythat we haven’t experienced yet as a nation.

It would not be a smooth or a straight line climb but we are very positive that we will get there in our fearless forecast that the PSEI will reach 10,000 by 2016.

Let’s all ride the bull, my dear friends.

This is our decade, this is our time—but...habit is more important than skill.

So once again, we encourage all of you to issue post dated checks for all your investment accounts. In this manner you are actually creating a “Forceful Facility” for you to develop a new habit of saving and investing.

Why do we need a “Forceful Facility”?

To conquer bad habits (procrastinating and lucrative spending), we need Forceful Actions as well. Issuing a post dated will challenge you to simplify your lifestyle and find other means to earn so that you could maintain your balance in your checking account to finance your Investments. If not, the bank penalty might be bigger than the added investment you have committed every month.

This process will also enhance your creativity by not just relying on your job or on a single source of income. So for those who don’t have checking account yet, you better apply for one and start filling up those checks as early as today so you can submit your “one year post dated checks”.

After doing so, you can now go back to what you do best or love doing and let your investments

compound with time.

But remember that we are now in the Information Age and the greatest leverage we must all have is the right and timely financial concepts,so keep on learning and applying what you have learned.
***

PS: The above piece is a short section of a sample Wealth Strategy article of Truly Rich Club from Lyndon Malanog.
Lyndon Malanog is an Entrepreneur and the Financial Coach of Bo Sanchez, Inc.. He continuously gives “Financial Discipline and Wealth Management” seminars to companies and groups as part of his noble mission and advocacy of educating people.

PS2: Meet Lyndon in person in our Mid-Year Philippine Stock Market Premier Seminar this coming June 1 at Gateway, Cubao!
Get also an exclusive bonus lifetime access  to our Investing in Philippines Private Mastery Group to help you maximize your learning from the seminar.  

Get more details here.
Super early bird rate of 2497 1997 1497 ends next week so reserve your slot now!

Ang hirap palang maging OFW...

“Hon, padalhan mo naman ako, kasi may gusto akong bilhing shoes dito.”

“Sa uwi mo, ‘wag mong kalimutan yung pasalubong nina nanay at tatay ha?”

“Akala ko ba, may padala kang package? Ang tagal naman!”

“Punta tayo sa Cebu sa next vacation mo…”

Ilan lang ito sa mga walang katapusang requests ko sa asawa ko nung nasa abroad

siya. At kapag walang favorable response, nagtatampo ako. Nasasabi ko pa na

tinitipid o pinagdadamutan niya ako. Dun na pumapasok ang pag-aaway namin, dahil

hindi ko daw siya maintindihan. 

Nabubuwisit ako, kasi alam ko na malaki ang sahod niya, pero bakit ang higpit niya

pagdating sa pera? Di ko man masunod luho ko gaya ng sapatos, mga bags, damit

at iba pang gadgets? Hayyy nakuuu…

Until dumating yung time na nagdecide kami na sumunod ako sa kanya sa

banyagang bansa. At last, makakasama ko na rin siya at maipabibili ko na rin mga

gusto ko, bwahahaha!

Sa eroplano pa lang, naiisip ko na ang mga bagay na gagawin ko –shopping, bakasyon,

dine-out, gala to the max! Paglapag ng eroplano sa Kuwait International Airport,

wow! Ang INIT! Humid pa! Sumasakit na ang ulo ko sa biyahe pauwi sa tutuluyan

naming flat (kung tawagin ang apartment).

Latang-lata ang pakiramdam ko sa init ng klima, summer daw pala kasi! Naisip ko,

huwag na muna ang shopping at gala, pahinga muna…

Dumating yung time na lalabas na kami at mamamasyal, excited pa mandin ako.

Pagdating namin sa Mall at nakita ko ang mga bagay na gusto kong bilhin…bigla

akong nakaramdam ng panghihinayang…

Makita ko pa lang ang tag price, gumagana na kaagad utak ko sa Riyal to Philippine

Peso conversion! Napansin ako ng asawa ko at tinanong nya kung alin daw ba gusto

ko, sabi ko na lang, huwag na, next time na lang…

Dumaan ang mga araw at nagiging malinaw na sa akin ang araw-araw na pamumuhay

ng mga OFW. Kay lungkot pala maging malayo sa pamilya, ang hirap mahomesick!

Nakakaiyak makita ang mga pictures ng family sa FB tuwing me okasyon. Yung

malungkot ka at gusto mo silang makasama kaya lang hindi naman puwede magbus

pauwi ng Pinas.

Mas naiiyak ako pag naiisip ko na, kawawa naman pala ang kabiyak ko noong wala pa

ako sa piling niya. Sa init at pagod maghapon sa trabaho, wala siyang choice

kundi magluto pa rin pagkauwi para me makain, at gawin ang mga bagay mag-isa

tulad ng paglalaba.

Bigla akong nahiya sa sarili ko…naalala ko bigla yung mga araw na nagtatampo ako sa

kanya kasi hindi niya ako mapadalhan ng pera para mabili yung gusto ko. Yung mga

araw na natitiis ko siya dahil sa aking walang kabuluhang pagtatampo, natitiis ko

na hindi tumawag o magtext man lang…

Yung mga araw na wala akong ginawa kundi planuhin kung ano ang mga bagay na

ipabibili ko sa kanya pagdating ko dito.

Dahil pala bawat text na mabasa niya, ay laksang tuwa na ang dulot sa kanya. Bawat

tawag at dinig pa lang sa boses ay ibayong lakas ang bigay sa kanya…dahil sa bawat

baryang kinikita niya, wala siyang naiisip kundi ikaw na pamilya niya…

Ang hirap palang maging OFW…pag nakikita ko sa mga pictures yung ngiti nila,

mga magagandang lugar na pinapasyalan nila, mga pagkaing nakahain sa harapan

nila, sa likod ng mga ito, nakakubli ang ‘di masukat na lungkot at pangungulila.

Marahil ayaw nila na tayong mga kaanak nila ay mag-alala kaya tunay na sitwasyon

at nararamdam ay itinatago nila. Nakakaya nilang malayo at magtiis, mabigyan lang ng

magandang bukas ang kanilang pamilya.

Saludo ako sa lahat ng OFW na nagtitiis para sa mga pamilya nila.
***
Have fun investing (while you can)!

PS: I just found the above piece circulating in facebook. Share this post and and help our OFW and their families.
 
PS2: Ang hirap sa mga Pinoy, ang akala e parang dumadampot lang ng pera ang mga OFW sa ibang bansa.
Last Holy Week, may (malayong) kamag-anak kami na dumating from US.
Dumaan ng Maynila para mamanata na rin sa isang simbahan. Syempre, nagsipuntahan naman sa kanya ang ilan kong kamaganak para salubungin at kamustahin sya..
Ayun, nabigyan sila ng 500. Pang pamasahe lang din. So tingin ko disappointed sila.

If you're in OFW, it's time to make your relatives realize the importance of  proper financial planning.
It's not everyday that you'll work overseas, right? So help them help you... and your family.

PS3: Better yet, invite them to our Personal Finance + How to Win in Stock Markt Seminar this coming January 25 2014 at Gateway, Cubao! This seminar will equip them with tools in investing your hard-earned money.

Get also an exclusive bonus access  to our Investing in Philippines Private Mastery Group to help you maximize your learning from the seminar.
 

Get more details here.
Super early bird rate of 2497 1997 1497 ends on January 9 2014 so reserve your slot now!

Practical Money Management + How to Win in Philippine Stock Market Seminar!

*** Please wait for announcements on the next run.  ***

***
Change your financial life this 2014! 

You're invited to our powerful Practical Personal Finance + How to Win in Stock Market Seminar this January 25 2014 (Saturday). It will be held at Max's Restaurant Gateway from 9:00AM-5:30PM.

Joining with us are Mr. Randell Tiongson, RFP and Mr. Marvin Germo, RFP.

Randell is one of the country’s most lauded speaker, writer and coach on personal finance. He is the author of the book  No Nonsense Personal Finance: A Step by Step Guide and also the mastermind of the annual Investment Conference (ICON) which features the biggest names in financial industry in the country. 

With his 25 years of experience in the Financial Service Industry – Banking, Mutual Funds, Insurance and Financial Planning, and Management Consultancy, he has become one of today’s most respected personal finance coaches in the country.
 

Photo credit

He is also a Director of the Registered Financial Planner Institute Philippines and a strong advocate of financial education for the OFWs.

Randell regularly appears on TV as  resource person for various shows like TV Patrol, Bandila, 700 Club Asia, Mornings at ANC, Shoptalk, Business Nightly, Failon Ngayon, On the Money, Umagang Kay Ganda, Unang Hirit, Aksyon TV, and News to Go among the few.

He also hosts the personal finance radio talk show Money Talks (Usapang Pera) every Saturday.
 

With the the recent performance of the stock market, where is it now headed to? This and other investing lessons he will share will teach you how you can invest more profitably this 2014.

Marvin Germo, owner of the stock market site www.marvingermo.com is one of today’s most popular stock market educator.  He is the author of the book Stock Smarts - Stock Investing Made Easy.

He will share and discuss in easy-to-understand terms some trading strategies and answers questions including

• How You can PROTECT your capital in these times
• When You should take PROFITS
• When You should cut your losses
• How to Hunt BARGAIN stocks
• Know the STOCK PICKS for the year
• and a whole lot more! 

Photo credit

This will be followed by a  talk on proper personal financial planning and practical money management by Lyndon Malanog, one of the mentor of Bo Sanchez in his Truly Rich Club, and a director of IMG - World Financial Group. 

He is also an Entrepreneur and the Financial Coach of Bo Sanchez, Inc.. He continuously gives “Financial Discipline and Wealth Management” seminars to companies and groups as part of his mission and advocacy of educating people. 

This part will help you see the whole picture of financial planning and not just investing. If you do not have a financial plan at this point (which is crucial!), expect to bring home one that will serve as the blueprint of your financial life.

You'll also learn

• The Six Steps to Financial Freedom
• How to Prepare for your Financial Future
• How to Build and Grow your Wealth
• The Enemies and Allies of Wealth
• How to Make Money Work for you
• and a whole lot more!

You'll also learn how you can  invest in Mutual Funds, Insurance and other investment products you can use in building up your own portfolio. If you want to avoid the mistakes lots of newbies do in their financial life, this part will also tell you how.

Sign-up Bonus
Once your seat is confirmed, you'll also have exclusive access to our Investing in Philippines Private Mastery Group to help you prepare yourself more for the topics (days before the seminar itself). 

It's a compilation of materials, lessons, articles and tools that aims to give an overview of what stocks investing is all about.

And you will have a three months access to that.

Any additional helpful learning I'll have in the future will also be added there, which means you'll also get to have the lessons I  learn myself from my other mentors.

That way, you can also prepare your questions beforehand.

If you think you're not yet ready for this seminar, this will solve your problem. 

So register now to reserve your seat.

To register, send an email pinoyinvesting@gmail.com for reservation.

Have your payments from January 10-16 and you have the Early bird  fee of 1997.
Have your payments after January 16  and you have the walk-in fee of 2497.

You can make your deposits to either one of below savings accounts: (You can also deposit via online banking)

Account Name Romer Tawid.

    BPI Account # 4339300157

    BDO Account # 006960030969

    Metrobank Account # 6363636082407

Once done, please confirm your payment here.

The fee will already cover your lunch and snacks with free-flowing coffee to keep you awake. But more importantly, this small investment will be your golden ticket and opportunity to meet like-minded people and expand your network while taking charge of your finances for the rest of the year with all the info in store for you.

Hope to see you there!

Have fun investing!

Omeng \(",)/

PS: You are your most important investment. 

So don’t be cheap on yourself.

Invest in yourself. In your self-growth. And whatever you spend will be nothing compared to the profits you’ll earn because of the quantum growth you’ll experience.

Your money won’t grow if you don’t grow. 
Grow YOU and your money will grow too.

PS2:Don’t delay. We'll have limited slots only! We don’t want to reject your reservation because we’ve reached the maximum number of participants. 

Email your reservation to pinoyinvesting@gmail.com now.

You can make your deposits to either one of below savings accounts: (You deposit also pay via online banking)

Account Name Romer Tawid.

BPI Account # 4339300157

BDO Account # 006960030969

Metrobank Account # 6363636082407

Once done, please confirm your payment here.

How do you prepare financially after college?

Now that's it graduating season of the year, tuck in useful insights below for a fresh grad friend you know in preparing him financially after school.

These can very well apply too to young professionals who have just started working (or are working for few years now).

Going fresh out of college was an ecstatic feeling during my turn. "Finally, I'm in control of my life!"
But I soon realized the new set of issues every young man encounters in that phase of one's life - which I believe rests primarily on deciding for yourself the life that you want to have. You make your own rules, your own drive, your own roadmap, without the teachers who were once showing us that single one direction everyone takes.

It wasn't easy.
There were certainly lots of expectation from society, school and of course, family. And it didn't take me long before I realized how properly managing my finances is so critical in my plan to be "more free" in doing the things I should be focusing on in life - a cause I can eternally attach myself with. And so this blog, in some way, was born out of that desire.

How about you? What are your realizations with few years of working experience under your belt after that glorious moment of graduation? Hope this lights a bulb over your head.

Happy Labor Day!
May God, the first laborer, bless the fruits of your hands!
Have fun investing (with you and your money working)!
- Omeng

 ***HOW DO YOU PREPARE FINANCIALLY AFTER COLLEGE -
Source: K. Mercadante, Moneycrashers

With all that you learned in college, it’s a good bet that personal finance wasn’t part of the agenda. It’s a shame because how you manage your finances – especially in the next few crucial years – may be every bit as important as what you do in your career.

Now is the time to make most of the important money decisions in your life. And most of these are habits that need to be initiated and nurtured now when you’re just starting out. How successful you are in embracing good money habits will go a long way towards determining what kind of future you’ll have. Here are the most prudent things to do after graduation -

1. DON'T BUY A NEW CAR - One of the first “must haves” on any college graduate’s list is a new car, but it can be one of the biggest mistakes if it’s purchased mostly with debt.
It’s better to buy a decent used car – with a large down payment – and keep the monthly payments as low as possible, at least until your job and income are more stable and the debt hangover from college is well under control.

2. DON'T BUY A HOUSE - Buying a home and investing in real estate will have it’s time in your life, but there’s no need to do it right out of school. For one thing, owning a home generally costs more than renting (i.e. renting vs. buying a home). But perhaps more important is that you’re in a transitional phase coming out of college and owning a home could mean less job mobility. Wait until your life becomes more settled and your future direction is clear. In the meantime, find a cheap apartment for rent and keep your options open.

3. START BUILDING AN EMERGENCY FUND - Saving money is the basic foundation of financial success, but it’s often thought of as something that can be done later in life. The problem with that way of thinking is that saving is a habit, and the earlier it’s developed the better. Start saving when you’re 21 or 22, and you may have a nice bankroll by the time you’re 25 or 30. Additionally, having savings readily available helps to avoid tapping into credit cards any time money is short.

4. AVOID USING CREDIT CARDS - Young adults can be more susceptible to the attractions of credit cards than most. The combination of unbridled optimism with the need for so much stuff can get you buried deep in outsized balances in no time at all. Credit cards are a vicious cycle, because of the revolving term and the fact that it’s so easy to charge when money is tight. And interest charges are added on while the process flows on.

The best way to deal with a credit card problem is to avoid getting into it in the first place. Pay for your purchases out of income or savings, and if there isn’t enough of either, don’t buy at all. Know the difference between needs and wants.

5. START FUNDING A RETIREMENT PLAN NOW - If you’re facing a large number of expenses – as many young people do when they’re starting out in life – this can be a tough one to swing, but one well worth doing. If you can’t put in much, don’t sweat it, put in as much as you can. A little is better than nothing at all.

Retirement savings are another one of those good habits, and small contributions made early in life can get you started on the right path. Because of compound earnings, the sooner you start this process, the better off you’ll be in the long run.

6. DON'T STOP LEARNING - The job market is more competitive than ever, and promises to be even more so in the future. The best way both to survive and to increase your future income stream is to invest in yourself and commit to continually learning and growing in your abilities. The more you know, the more you can do and the more valuable you will be to your employer or to future employers. Develop enough job skills and you may be paving the way to starting your own business.

If you’re a young adult starting fresh in life, you can choose to develop the habits of either a debtor or a saver. Which path you choose may be the most important money decision you’ll make in your life.

Do you have any other tips for new graduates starting out?

****

PS: SmartPinoyInvestor now goes in tandem with Bo Sanchez Truly Rich Club in guiding beginners in their jouney to financial freedom.

I still believe the club as the most convenient memberhip club available out there when it comes to making and growing one's wealth. I 'm yet to see another club that offers similar great value targeting one's inner world while giving practical tips and wisdom in growing yourself and eventually your pocket. (If you've seen another subscription like that, let me know so I can check that out too!)

With that, I've created  the Truly Rich Club Mastery Group.

That's an exclusive online venue I created where we can discuss in a more in-depth manner the lessons and downloadables of the club. That way, you'll know how to maximize what you'll get in the club as a member even if you're  just starting now.

As a review, below are the 11 great components of the club.

    Receive 2 PowerTalks every month (instant access via MP3)

    Receive Bo’s Success Mentors Collection (1 every 3 months for 1 Year)--FREE

    Receive WealthStrategies newsletters every month--FREE

    Receive Daily GodWhispers Email--FREE

    Receive How To Be Truly Rich Seminar--FREE

    Receive How To Conquer Your Goliath Ebook--FREE

    Receive How To Turn Thoughts Into Things Ebook--FREE

    Earn Passive Income by being Bo’s Affiliate in the TrulyRichClub

    Earn Passive Income with Bo’s other Internet Work

    Receive Bo's Very Practical Ebook, My Maid Invests In The Stock Market...And Why You Should Too.--FREE

    Receive Stocks Update. --FREE

If you join via this link, you'll also have additional sign-up bonus by having exclusive access to our Truly Rich Club Mastery Group.

In the mastery group, you'll learn among others

(1) How you can maximize your Truly Rich Club membership

(2) How you can get your membership for free

(3) How you can start investing right after you join the club

(4) How to use the Strategic Averaging Method of the club when it comes to investing

(5) How to use the club Stocks Update and Stocks Alert in making your investment decisions

You'll also have access to below click-by-click tutorials so you can start investing right away.

(1) How you can buy your first stock and see it grow through time

(2) How  to withdraw funds and enjoy your profit

(3) When you can post your orders in the stock market

Not only that, you'll also get to have the external resources I used to explore the ins and out of investing when I was just starting. That includes

(1) Investing in the Stock Market Overview

(2) A Primer into Easy Investing Program

(3) Choosing Stocks Using  Fundamental Analysis

(4) A Primer into Technical Analysis

And a whole lot more self-paced tutorials.

Lastly, you'll also have access to our private vault of Truly Rich Club downloadables  that you can use in expanding your knowledge.

It will be an ever-improving site. Any information that personally helps me through time, I'll share in that group so you can take advantage of it too.

The group will be all-exlcusive and only club members who join via think link will have access. That means we're all in one-positive-mindset in that venue (no bad vibes whatsoever).

Once your club membership is confirmed, just complete this survey so you'll be given your access to the mastery group.

See you there!