Sunday, August 7, 2016

Manage Debts... Or it Will Manage You!



To manage our debts, we first made a conjugal decision to avoid borrowing and defined our target date for being debt-free. We reduced our credit cards from seven to three. We cut those that charged higher monthly interest rates and retained those with low interest rates and waived annual renewal fees.

We stopped charging to our credit cards for a couple of years and purchased with cash only.

Secondly, we listed all our credit card debts and detailed the amount and interest payments we have. We also listed our other loans, including those from friends and our respective offices. Then we made a priority list and target dates to close each of the debts. We used the worksheet below. This enabled us to see our debts clearly. This list also enabled us to create our priority list.

If you want to know more, come to our coaching session and watch out for the release of our book soon!

Contact me at 0920-902-1217 (Benj) for your appointment at the 10th Flr of The World Centre, Makati!


Sunday, February 23, 2014

Bo Sanchez' Truly Rich Makers "Debt Destroyers"


Do you want to be Financially FREE!
Do you want to get out of pestering Debts?
Do you want to learn how o make your money work for you?

 


These were our own questions as we are totally lost and wounded financially.

I have been an employee of prestigious electronics companies for about 30 Years. In November of 2007 I ventured into a new career in a less well known, and often times misunderstood company called IMG-International Marketing Group. This transformed me from being an employee to an entrepreneur whose business is about love. It also enabled me to fix my cash flow and invest correctly. And guess what, it enabled me to eliminate my debts!



All I can say is that I am "Good Tired" now and I am more financially secured than ever in this new found business. I do not fear the word "Retrenchment, Cost-Cutting, or outright TSUGI"... As I am my own boss. And all I do is share our experience. We go out to many different places to share, to help, and to serve and to love the people we meet. And the best thing about it, we have correct, solid, integrated and very profitable investments! Our secret: The Three Levels of Investing! And the best thing? I am now "Debt Free!"



In those six years, I am privileged to have written a book, guested on TV and Radio, and spoken to thousands of people all over the world spreading the transformation and experience I had in my financial status. Helping and serving people change lives too! God has blessed us with explosive blessings that we even earn more now than when we were employed. We travel the world and enjoy the fruits of our investments and stress free from the debts and obligations that burdened us for years!



Last week we were with our WSB-World System Builders Team in Los Angeles Convention Center and I saw the 10,000 plus attendees doing the same business and mission in USA and Canada.




This weekend we will be part of the sharers on Bro Bo's "Wealth Summit"  Bonus Day at the PICC. We will share how to build a business for the long haul. I know we have built a business for the long haul for we have built a business about love. The bible says "Love is Eternal" and so is this business that we have built!



If you want to know more about our journey of our pestering debts, our business and the three levels of  investing, check this out:  Truly Rich Makers Business  or click this to register into our  FREE Financial Coaching

Wednesday, January 23, 2013

Retire Financially Free!


They Laughed When I Told Them
That Now I Earn More 
As A 52-Year Old Retired Guy 
Than What I Earned In My Job—
Until I Showed Them My Monthly Income of
PLUS: How I Finally BROKE
The Debt Chain That Tied Us For Decades!


Benj and Fely Sharing Their Life in Bro Bo Sanchez's 
Truly Rich Coaching Seminar at Valle Verde Country Club 

I am writing you this letter because I care for you and your family's future. I know how it is to be financially struggling and wallow in debts. I have been in that very frustrating and desperate situation and it is not pleasurable. I want you to achieve financial independence and enjoy your retirement. I know it is also your goal to be financially free whether you have just started in your career or you are about to finish your work life. It is really… really my goal and my burden and prayer to bring people to financial freedom. It is our MISSION... Details of how we have Risen from Debt is chronicled on this book.
You may be feeling insecure about your job, or you fear retrenchment and downsizing is slowly catching up on you. Or you are heavily indebted. Maybe you constantly struggle from pay check to pay check. Or you are worried you do not have a financial strategy for you and your family when you grow old. I know the feeling because I had been in that situation.

If you want to know your Personal Financial Challenges, you may click this and respond to this FREE FINANCIAL COACHING

Based on a survey, 98% of Filipino Senior Citizens are financially struggling and majority of them (about 45%) depend on their children.



I Want You To Be Financially Successful And Financially Free


Many of my friends who retired lost their retirement money in 3 years. I pity Pepe, a friend of mine (not his real name), who just died recently with no money and left his family with a huge debt due to his medical problems. He earned so much during his working years, but did not have a long term healthcare protection. He had to rely from the dole outs of friends. Why? He relied on the healthcare program his previous company provided that was automatically taken away when he retired.


Another friend, Sue, went into failed business and investments for she did not learn how to invest properly and did not have a chance to get coached how to do it. She lost more than P2 Million of her retirement money in a franchised restaurant business. Sue is an Engineer and she does not know anything about the restaurant business. 


What’s In It For You…


But you do not have to experience all of this. I can show you how I retire at age 52 and became financially free in 3 ½ Years!


Benj and Fely with Bro Bo and Fr. Alex in Spain
(Room of St. Ignatius of Loyola) 

You can experience this too... You can retire and have lots of money to take care of yourself, and your money doesn't get depleted. You can take your whole family, including your grand children on a yearly local tour, and once every two years on a pilgrimage to Holy Land Europe, and enjoy "gelato" in Italy where St. Francis once walked.



Enjoying the streets of Spain 
Angkor Wat..Cambodia
Jerusalem





Marian Pilgrimage in Europe with Bro Bo Sanchez

Imagine your children and grand children kissing you and greeting you happy birthday. Imagine giving them gifts rather than you asking from them. Imagine each day being worry free for you because you have passive income that comes to you more than you need. You go to your doctor for regular check up. You are driven to your gym for your regular exercise and life is so enjoyable and so good for you and your family!


Let Me Tell You My Story…


Probably you are wondering why a Mechanical Engineer like me talks about retiring financially free. In 2008 January, Fely; my beautiful wife retired from Intel after 25 long years of serving that company. After a year it was my turn to be retired after being in the semiconductor and electronics manufacturing industry for more than 28 long years. We were financially stupid, to say the least, so we were afraid that we will lose all our retirement money. We had humongous 7 figure debts and we had a yearly obligation of 500,000Php to send our kids (Chai and Rocky) to the green archer’s school in Manila. Where could I get this kind of money every year? I felt so insecure, had lots of sleepless nights, and got into fights with people I love because I got so irritable due my financial woes.


But my retirement became the starting point of my career detour. I sought advise, attended seminars, and read a lot of books by Robert Kiyosaki and Bro Bo Sanchez. I put to action what I learned from Bro Bo's Truly Rich Coaching Seminar and got into a company called IMG-International Marketing Group. Fely and I were coached how to manage our finances, how to get out of debts, and how to invest properly. We did not just learn…we started to do what we learned. And with discipline and consistency, we continued to do it since then till now. 

Then, after two years, we started to share our experience with our family and friends, encouraging them to follow our example. In about 3 years after my retirement, we were able to get out of our bad debts, had profitable investments, and were able to start to generate passive income, which reached 153,678Php/month in 2012. We have been able to change more than 3000 people's lives all over the world. I am now, debt free, happily retired and financially free! And travelling the world

Holy Land Pilgrimage ...Side Trip in Dubai.... 


Here is what Bro Bo Sanchez got to say about Benj and Fely …


Bro Bo endorses us in this book...

“Benj and Fely Santiago are one of the most tireless, passionate, and loving financial teachers I have ever met. They just love people. They go from country to country helping Filipinos everywhere achieve financial freedom. Their deep desire to help others was born from their painful experience of being trapped in debt. Fely and Benj are tour guides who've been through the darkest caves. If you want light for your financial life, let them be your teachers. “- Bro. Bo Sanchez 



My Offer: Let’s Have Coffee Together…


So here’s what we want to offer you: Over a cup of coffee (and a donut if you want), we can guide you and hold your hand every step of the way towards your financial freedom. All you have to do is call us up or email us (details below) and we’ll discuss HOW you can achieve what we have done, and set your course straight towards your financial goals.

Click here to register to our coaching: FREE COACHING

KEY BENEFITS YOU WILL RECEIVE


* You will receive a total guide and personal coaching on how to be financially literate. You will learn how to manage your money, get out of your pestering and recurring debts, and learn how money can work for you. Personal coaching will assure your success.

 You will be able to define for yourself and your family your short term and long term financial strategies that will allow you to be financially free!

*  You will be able to learn how to monitor and analyse your cash-flow, and create a debt consolidation and elimination plan that really works.

* Sorry to disappoint you, this is not going to be a get rich quick scheme... But I guarantee, if you follow my system which I personally experienced you can get out of your pestering debts and be financially free in less than 5 years.

* You will also be able to  to increase your cash flow to pay up your debts , without a quota, time card, or boss! You are your own boss and you own the business! A business you can start up with less than 9999PhP!


WHAT PEOPLE SAY ABOUT OUR PROGRAM




"I am a High School Graduate and never finished college. My family is poor, and I know the hardship of being poor. I do not want my children to have limited education like me. I want them to finish college. I want them to have a better life. And I am so happy I learned how to manage my finances through Bro Benj and Sis Fely. It really works. I invest now in Mutual Funds and I earn passive income from my own business by simply sharing and helping other people how to properly save and invest” –Malvin and Matin Leano



“I worked as engineer for Intel. After an early retirement from Intel, I put up a business (franchised outlet of meat products) together with my friends from Intel who were also given their early retirement package. After two years, I have not recovered my investments. I am glad I learned from Bro Benj and Sis Fely how to create your own business after retirement. Now, I have a very profitable business helping people save and invest. It really is amazing for I only invested insignificantly low amount against the investment I made in our failed franchise business.”- Manny and Nancy Martin


SO HOW MUCH WILL IT COST YOU?


You probably would think this would cost you an "arm and a leg" to get your financial strategies defined. It’s true that this COULD cost you more than P15,000 just for the seminars and financial planning and consultation.


But that’s not necessary, because you’ll enjoy a FREE 1-hour consultation if you call me within the next 24 hours! 



Click here to register to our coaching: FREE COACHING


BONUS! BONUS! BONUS!


As an added BONUS, if you decide to join of our program, you will receive a monthly eNewsletter Updates, and a Quarterly Market Updates from the best Fund Manager with a combined total value of more than P10,000... All for FREE!


Call me NOW to set up your appointment! Send me an eMail NOW at richbenj.santiago@gmail.com. Better yet, call me at 0920-902-1217… I would guarantee you a response within 24 hours no matter where I am…

See you soon!


God bless you,

Dean Pax Lapid, Fely and Benj Santiago

Benjie and Fely Santiago


PS: Don’t delay. Change your financial life NOW! Call me at 0920-902-1217 or email me at richbenj.santiago@gmail.com and we’ll sit down together and help you create abundance for your future!


Click here to register to our coaching: CLICK HERE


PS2. Once upon a time, we were drowning in debt. Today, we’re totally free and financially blessed. YOU can experience this too. Text me at 0920-902-1217 or email me at richbenj.santiago@gmail.com your name/age NOW...