Professional Documents
Culture Documents
Recently, I was having dinner in a restaurant with a friend. When I paid our bill with my credit card, my companion
was shocked. He asked, Bo, I didnt know that you still use credit cards.
How come? I asked.
Well, because youre a financial teacher. I thought that youre against those things. Arent theyuhevil?
I understood where he was coming from. There are financial teachers who wage war on credit cards. They stand on
stage in front of people with big scissors in handand with dramatic flaircut up their cards.
But I told my friend Im actually thankful that credit cards were invented. Their benefits are fantastic.
For one, its very useful when I pay via the internet. For example, I pay Google Cloud (I have a huge inbox); and
Dropbox (to backup my photos); and domain names (I run hundreds of websites); and iTunes (my son, musical director of
our youth ministry, buys two albums a month); and Amazon (I read Kindle books), through my credit card. And because
Im an eternal student, Im almost always enrolled in online courses, from spirituality, church growth, finance, marketing,
etc., and paying via credit cards makes this so much easier.
Second, its so convenient not bringing a lot of cash with me. I use my cards for restaurants, buying stuff, even
plane tickets. I know someone who uses his credit card to pay for his business purchasesnot only because its more
convenient, but so that he can get more of the third benefit, which is
Third, I get reward points. My wife turns them into Shoemart and Rustans gift checks. My friend uses them to get
free trips to Europe. Cool, right?
Thats the blessing side.
Contents: 1 From Bos Brain 3 Happy and Full of Energy: An Interview with Author, Speaker, Preacher, and Missionary JC Libiran by Sha Nacino 5 Spend Less and Save More on School Supplies by Anna Santos
6 Divine Ayungos TRC Story: TRC Opened My Mind to the World of Investment by Sha Nacino 7 Coming Events 9 TrulyRichClub Ladder of Abundance 10 Why You Need to Pray for Success by Bo Sanchez
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Bo Sanchez
P.S. Are You Single? You Can Avoid the Financial Problems That Married People Usually Have! (Fifty percent of all marital
fights are money fights.) How? While youre still single, take charge of your financial life. Put your financial room in order.
On June 20, join Dr. Didoy and Mayi Lubaton, Financial and Relationship Experts, together with Serial Entrepreneur Marco
Victoria and Author & Speaker Sha Nacino, who will guide you how in building your financial foundation before you get
married. To get your financial life in order as a single person, visit www.TrulyRichClub.com/TrulyRichSinglesWorkshop or
email Meann at beaconlightevents+seminar@gmail.com now!
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Have you ever met someone who is always full of energy and happiness? Ive met one. His name is JC Libiran. He
is the author of the book Byahe ni Juan and he is also the Director for Campus Missions of the Light of Jesus Community.
This interview is a bit unique compared to the other TRC interviews I did in the past inthe sense that JC and I talked
about some of themost basic yetessential things that give us energy and happiness in a light and casual tone.
Enjoy!
SHA: Can you share with us your journey towards becoming a
speaker/preacher/author/missionary?
JC: This JUANderful JOURNEY towards becoming a speaker/preacher/
author/missionary started with (1) HUNGER for answers in my life. Then
I stumbled upon one Kerygma Magazine. I read the article of Brother Bo
Sanchez which gave me(2) INSPIRATIONthat there is hope and that I can
move forward despite difficulties in my life. This led me to attending the
FEAST where I did not just get encouragement and support. Instead, I
rediscovered my(3) DREAMSAND MADE IT A REALITYone dream at a time.
After being a regular attendee, I toldmyself that like Bro. Bo and his leaders,
Iwould also like to(4) SERVE AND GIVE BACK.Finally, now as I look back, I am filled with(5) GRATITUDEbecause God made
a way for me to be where I am now, and I believe thatHe has even more great dreams for me.
SHA: How do you define happiness?
JC: HAPPINESS is an experience of Gods blessings unfolding in ones life in big or small ways. Happiness comes in
different packages but what matters most is the choice we make in every opportunity to be happy.
SHA: What makes you happy?
JC: I take delight in everything since I savor every moment of life even if its a smile from a baby, 10-15 minute time
to read a book, or an opportunity to speak and share my message to many people. This is what makes me happy... the
opportunity to live and celebrate life to the fullest.
SHA: What makes you sad? How do you deal with it?
JC: I become sad and disappointed whenever things dont go my way and when Im out of control. Dealing with this
first begins my awareness with my tendencies but I move forward by being responsible with my negative emotions and on
how it affects me and others as well. I learn from it and move forward.
SHA: How do you define success?
JC: SUCCESS is not just achieving my dreams. It is helping others achieve their dreams as well. And we get to celebrate
together.
SHA: What were your biggest failures and what did you learn from them?
JC: There are many failures I have made in my life and here are the top 3 in my list:
1.IWAS NOT ABLE TO SPEND MORE QUALITY TIME WITH MY DAD. This taught me the value of SAVOURING EVERY
MOMENT and making the most out of everything. I learned this the hard way since I lost my dad almost seven years ago.
How I wish I can turn back time and spend more quality time with him.
Issue Number 199 May 2015
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2. I WAS NOT ABLE TO GIVE MY EXCELLENCE AND ALL IN TEACHING. This experience reminds me to USE MY
INTELLIGENCE and TALENTto the fullest and never hold back by giving your best and your all.
3.I WAS NOT ALWAYS HONEST WITH MY TEACHERS DURING MY ELEMENTARY DAYS. Thistaught me how to be true
to myself. If I was not able to understand the lessons, I must be honest to admit this with my teachers and classmates so
that I can be given another chance to re-learn it, instead of making myself look good to please everyone knowing that I just
need another chance.
SHA: How is your typical schedule like?
JC: I begin my day with prayer, reflection and exercise. After a dose of inspiration, I check my e-mails and social media
accounts then after breakfast and suiting up, I jump into my schedules such as coffee dates and coaching with leaders,
former students, clients and friends at the FEAST. Whenever I have an open time, I do my write-ups and work on my blog
or my upcoming book. I normally have speaking engagements in schools and in different organizations/companies. I end
the day by spending quality time with my family and love ones.
SHA: What is your mission in life?
JC: My mission in life is toinspire and empower people to achieve success and significance. In short, toMOVE YOU
from your Point AIM (Goals) to Point BE (Fulfilment).
SHA: How do you nurture your relationship with the most important people in your life?
JC: I MAKE NOT JUST QUANTITY BUT QUALITY TIME. I set aside a schedule for our dates and even if Im away, I make
an effort to reach out and make my presence felt. Also, I come up with surprises to spice up our relationships so that there
will always be something to look forward to.
SHA: How do you manage and grow your finances?
JC: I manage and grow my finances with the help of my wife, Emelyn. Shes my balancer. Without her, I will be like
a seesaw wherein I really save and be economical at one point, but also splurge and be a total spender when I feel like it.
Thank God for financial education and financial literacy. I am reminded and influenced to improve my financial intelligence
through this. I become better and better with my finances.
JC regularly gives talks to schools, organizations, and companies. You may get in touch with him through www.
jclibiran.com orEMAIL HERE.
Sha Nacino is an inspirational speaker and an author of 8 books. She regularly gives talks on Personal Financial Management,
Passion and Purpose, Happiness and Inspiration, Integrity, and several other topics. She believes that everyone has a story to share.
Sha is conducting a half day seminar on How to Write a Book Plus Book Launch on June 6, 2015 at Meralco Mini-theater. For more
information, visit http://www.seminarphilippines.com/booklaunch/ or text 0917-5949274.
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For the protection of wisdom is like the protection of money, and the advantage of
knowledge is that wisdom preserves the life of him who has it. (Ecclesiastes 7:12)
Here comes school opening again. Days really run so fast!
It feels like school year just ended and now, it is about to start
again.
This time has always been one of the busiest preparations
in a conventional household, especially with family members
who are students. Both parents and children are busy completing
the school list. And as we, parents, are busy preparing for our
childrens school needs, we are at the same time quite worried
about the cost that goes with it. Needless to say, we always
have to find ways on how to spend less and save more on school
supplies.
Since we cannot avoid these expenses, theres nothing we
can do but buy what our students need for school. In my quest to
find means on how to save money when purchasing school stuff,
I have a list of practical tips to share so as to lessen your financial
burden in some ways:
1. Check first what you have. Before going out to shop,
always look around your house to check on whats
left from the last school year. There could be tons of
materials/items that are still good to use.
2. Recycle.Notebooks, binders, pencil cases, etc., are
only a few of thebestexamplesto recycle. If they
are still in excellent condition, let your children re-use
them to save money.
3. Be creative. There are so many things that can be
used to exhibit creativity. Best example is by using
magazine pages or other nice prints for book covers
and binders. Also, cut out oldgreeting cardsas book
marks.
4. Consider hand-me-down items. Some parents say
that they want to give their children thebestby means
of buying new things that are sometimes expensive.
We have to know thatbestthings are not measured by
the price tags but by the way we take care of them and
love them. Material things are just symbols, but these
should not be the basis of our love and affection.
5. Buy from thrift stores. Thrift stores often sell items
that are in theirbestconditions. You just need to look
around and be creative.
6. Set a budget. Setting a certain amount of money for
this expense will lessen your worries because extra
spending will be avoided.Stick to your budget.
7. List down whats needed. It is a total waste of money
if you buy things that your kids wont need. Let them
hand youthe listof the things they need, or wait until
Issue Number 199 May 2015
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TrulyRichClub STORY
Prior to joining TrulyRichClub, Divine said she knew nothing about investments and the stock market. She would just
put her money in the bank.
TRC opened my mind to the world of investments,Divine shared.
Divine learned about TrulyRichClub from her brother who was a member of TRC. Her brother would shareBro. Bo
Sanchezs Powertalks with her. She would then save the talks in her phone soshe
could listen to them on her way to work.
I was particularly moved with Bro. Bo Sanchezs talk on emotional why. I
realized that it should be the foundation of everyone when they invest. That is
why when I wrote my book How Savings Saved My Life, the central theme was on
emotional why or the reason for you to keep saving and investing.
Divine eventually joined TrulyRichClub sometime in 2011. Asked how
TrulyRichClub blessed her so far besides thelessons she learned, Divine said, TRC
helped me manage my emotions, especially when I seethatmy investments are in
red. If Ididnt join TRC, I would probably sell my stocks every time the prices go down.
But because I trust Bro. Bo and the stock market investing technique he teaches,
I would buy when the prices go down or when the stocks are onsale!True enough, I
reaped the rewards and I earned up to 34 percent in my stock investments. Of course,
I know that my stocks may earn more than that and Im excited for that time to come.
Divine noted that when she was still starting to invest in the stock market, she
would sell her stocks so she could buy a cell phone. The cell phone she bought did not
function after only a few months. On the other hand, the stocks she sold almost doubled in valueafter two years.
One day, she received a TRC newsletter wherein Bro. Bo reminded the TRC members not to withdraw their investments
because a withdrawal of P50,000 is actually a withdrawal of P5 million. Its because P50,000 has a potential to become P5
million in the future.
The message resonated with me because it was exactly what I have done,Divine quipped.
Through the years, Divine shared that TRC helped her acquirethe discipline of consistently investing in the stock
market, and to invest for the long-term. Today, when Divine would sell stocks at a profit, she would reinvest the capital plus
the profits. She also does the same when shewould receive dividends.
Divine was also happy to share that TRC also inspired her to put up her own accounting business. She quit her job last
September 2014 so she could pursue heraccountingbusiness full time.
She is veryhappy with her membership in TRC. She would always recommend it to her friends especially those who
have little or no idea about how to invest in the stock market.
What is your TRC story? Email me at authorsha@gmail.com
Sha Nacino is an inspirational speaker and an author of 8 books. She regularly gives talks on Personal Financial Management, Passion
and Purpose, Happiness and Inspiration, Integrity, and several other topics. She believes that everyone has a story to share. Sha is
conducting a half day seminar on How to Write a Book Plus Book Launch on June 6, 2015 at Meralco Mini-theater. For more details,
visit http://www.seminarphilippines.com/booklaunch/ or text 0917-5949274.
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Coming Events
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Coming Events
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Im controversial in FB. Im known as the preacher who tells people that one of the biggest obstacles of NOT receiving
Gods blessings is relying on God too much.
I get a lot of flak because of that statement. One of my critics called me the anti-christ. Another guy wrote, What
Bo is teaching is unbiblical. Theres no such thing as relying on God too much. In fact, we should trust in Him fully.
But I purposely made my statement controversial to shock people and wake them up. My point? That we cant just
pray for success. Weve got to act. The Bible says that faith without works is dead.
People know me as the practical preacher.
Yet today, I want to talk about the other side of the equation. I want to tell you how important it is to pray for what
you want to achieve. In fact, you cant just pray. You need to be persistent in prayer
1. No Precision
Face it: Many people dont know what they want. Theyre confused if they want the candy or they dont want the
candy. If youre confused, believe me, you wont get the candy.
But when you pray with persistence, you get very precise with what you want. It gets clear in your mind. And thats
the gift that persistent prayer gives you.
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2. No Perception
Some know what they want, but they cant see the blessing thats many times right there in front of them. Something
within them blinds them to see the blessing that is right before their eyes.
Some have been looking for a spouse all over the universe, waiting for Prince Charming. They look for him online in
planet Jupiter and planet Neptune. Not realizing that their long time friend that they see every day could be that partner
but they dont see him as one because hes no Prince Charming. He looks so ordinary. Hes kind, responsible, hard-working,
and will be a great Dad to their kids, but because hes not tall, dark, and handsome like me, they dont see the blessing. (Im
hallucinatory. Its full moon today.)
Or theyve been looking for financial blessings far and wide, joining this and that business, getting excited with other
business ventures they see, not realizing that their financial blessing lies in focusing on their talent and developing it.
3. No Persistence
Some people who walk towards the candy, midway, give up and walk away. Others walk towards the candy, grab the
candy jar, but when they find out that the cover is too tight, they just give up and walk away too. Others grab the candy,
open the cover, but when they realize their fingers would get dirt if they hold the candy, give up too!
They dont want the candy bad enough.
Do you want more success? Do you want more wealth? Do you want more blessing?
The secret to success is no secret at all. You learned it from your mother. You learned it from your grandmother. You
learned it from your Kindergarten Teacher. The problem is that the secret doesnt sound sophisticated enough that we
reject it. The secret of success is the power of persistence.
This year, our Kerygma magazine celebrates its 25th anniversary. Ive realized that you dont have to be talented to
be successful. You dont have to be gifted to be successful. Because the secret of success is to be persistent. To show up.
Each month, we published a magazine to share Gods love to the worldand we did it for 25 straight years. Month after
month after monthafter month.
Successful Investing
Can Only Happen If Youre Persistent
Let me tell you another story. Its about my youngest son Francis.
When he was baptized as a baby, my wife asked her friend to become his Ninang. Because shes crazy, we were
shocked when this Ninang said she would deposit P1000 every month into Francis bank account. And she has kept her
promise for the past nine years.
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And all we did was transfer his money from his bank account into the stock market. (Obviously, if it stayed in the
bank, it would have died there because of inflation.) Lets do the math. That Ninang gave Francis P1000 x 12 months x 9
years = P108,000.
To be fair, we also did something simple: Every year, Francis received monetary gifts every Christmas. As tyrannical
and sadistic parents, we confiscated the money from the helpless kid and invested it in his stock market investments.
Today, the stock market portfolio of 10-year-old Francis is now P800,000+. How in the world did that happen?
Because of the power of persistence. Whats P1000? It looks so small. But if you persist every month for 10 years, it
becomes powerful.
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