The financial planning process

Here is another great and inspiring article from one of my mentors, Fely C. Santiago.  I’m sharing this for the benefit of those people who are still in the learning process of accumulating their wealth.

Most people never plan to fail; they just fail to make a plan. Why is there a need for a personal financial plan? Because when pay day comes, it’s always easier to spend, shop, and go on gimmicks than to save or invest some money. To most people the future seems so abstract. No wonder you hear a lot of them complain they have “no money”.  They work for 10 or 20 years, get promoted many times with corresponding increases in their salary, but still, they have no savings.  So they never get out of the “rat race”.  They worked so hard every day just to pay their bills.

It’s really not how much you earn but how much you keep that will make you financially secure.

Again why is there a need for a financial plan? Because it can help you achieve all your financial goals like retire in 20 years with P20 million; travel to Europe in five years; build your dream rest house in 15 years; or provide for the best college education for your children. A good financial plan will help you achieve these goals. When you have a plan, you will think twice before spending that hard-earned money.

A solid financial plan is very valuable. It provides direction. Without strategy and discipline, it is very probable to make impulsive and random decisions with your finances. When you see the big word SALE in the mall, or appliance MADNESS, you can easily spend your money even before you earn it by using your credit card.

Financial planning is a dynamic process that changes as your financial situation and position in life changes. The question is how to put financial plan in place? What are the steps?

Personal Financial Planning Process

Step 1 – Examine Your Current Financial Situation 

A good financial plan starts with a financial check-up to understand your current situation. How much money do you make? Where does your money go? Do you spend them on needs or wants? Do you have savings or investments? Do you have any life insurance or healthcare coverage? Do you have debts? What are your assets and liabilities? How much is your net worth? If you lose your income today, how many years (or months) can your savings last you?

To survive financially, you have to step back and see your big financial picture and see the big picture. It will require a lot of record keeping especially when it comes to your expenses. If you know where your money is going then it is easier to identify what you can eliminate or reduce in your expenses.  That way, you will have money to save or invest for the future. It will be a tedious process in the beginning to record all your expenses but it can be an eye-opener and the first step to take control of your financial health.

Step 2 – Identify Your Financial Goals

What are your dreams? When do you plan to retire? How much money do you need for the education of your children? Setting your financial goals is critical to create a successful financial plan. You can’t achieve your financial goals if you don’t know what they are. Defining your financial goals involves writing them down, putting a value in each of them and determining when they should be accomplished. You can classify you goals into short-term (one to three years — a wedding plan); medium-term (four to ten years – purchase of house and lot); or long-term goals (more than 10 years –college education of your baby)

You can use SMART guideline to set up your financial goals – Specific, Measurable, Attainable, Realistic andTime-bound. Your financial goals must have deadlines else you might not enjoy what you worked hard for. If you set up a goal to purchase a BMW in 2020, then by all means buy that BMW when you have the money at that time!

Also take note that as you age, your financial goals also change. Just keep in mind though that goals aren’t elusive.  Rather, as events happen and goals are achieved, they give way to other goals. Financial goals are like stepping stones. Without a solid financial plan as a solid footing, it’s easy to lose your step and get off-track from reaching your dreams.

Step 3 – Develop a Plan of Action

After analysing your current situation and defining your financial goals, the next step is putting a plan of action. What are the specific actions you need to take to bring you from your present financial position to the attainment of your financial goals?  Let’s say you want to retire in 20 years with P20 million, how much money do you need to save each month starting today? Which investment vehicle will you put it in? At what rate of return?  If your desired savings is less than what you can afford then define specific action to take to increase your cash flow to meet your desired savings or investment target.

In coming up with your action plan, you also have to take into consideration changes in your life or unexpected events. What if something happens and it turns out to be catastrophic and tragic? How do you get yourself protected? If something happens, you want to make sure that you have access to instant money to get you through that situation.

Specific action must address every aspect of your financial plan that would cover debt payments, income or asset protection, long-term healthcare, creating emergency fund, planning for retirement, college education, investment strategy and estate planning.

Step 4 – Implement Your Plan

I would say this is the most difficult part in the financial planning process – execution of the financial plan. Unless you implement your plans, then nothing will change in your financial life. You will never achieve your financial goals if you don’t implement your plans. Have a bias for action!

This step will require a lot of discipline like paying yourself first every payday so you meet your savings and investment targets.

To implement your financial action plan, you may need assistance of agents or brokers. For example, you may use the services of an insurance agent to purchase property insurance or the services of an investment broker to purchase stocks, bonds, or mutual funds.

Bottom line, just do it!

Step 5 – Monitor, Re-evaluate, and Revise Your Plan

Your financial plan will not stop when you implement it. As mentioned earlier, financial planning is a dynamic process and will have to be adjusted when there are changes in your personal, social or economic status. Periodically you must review your progress and assess your financial decisions. Birth of a new child will mean revising your financial plan as it can affect your cash flow, education plans or retirement plans.

If you seriously follow these steps, I assure you a sound financial plan will give you peace of mind. Uncertainty about finances creates a lot of anxiety. We all know money is the most common cause of marital stress and broken families. If you know where you stand financially, where you are going, and how you’re going to get there, you’ll feel more confident about your financial situation, about yourself and about your relationships.

If you haven’t started working on your financial plan, just follow these financial planning process and you’re on your way to financial freedom!

Original link to this article can be found here.

Remembering the fire

Today marks the 17th year after the tragedy happened in the place where I grew up: Brgy. Corazon de Jesus, San Juan city.  Our sari-sari store (mini-grocery) was affected and totally burned.  The thing is, it’s where our income is coming.  Because of this, my schooling was stopped for a year.  I’m in my 2nd year taking up an engineering course when this happens.  And because the Estrada government allowed all residents to re-construct the house, we grab the chance and use whatever we have to build a new house and start over again.  It was very hard from the start.  I worked as bus boy in The Landmark food center in Makati to help generate income and use my earnings as capital in our new sari-sari store.  My younger brother and eldest sister did the same thing.

Pinaglabanan Church in San Juan City

Looking back today, after 17 years I realized problems and trials are really a part of “growing up”.  Big problems we’ve gone through seem so far away.  I was just laughing when I think about them today.  I realized problems make my family stronger and taught us a lot of lessons.  I won’t be like this today if I didn’t gone through those obstacles that made me strong and explore other opportunities that life can offer.

Stocks Update Alert: Sell ALI Now

02/20/2012

Bo sends stocks update sell alert for ALI since it almost reached the target price.
We have given 2 options below:

Option 1: Sell all; invest in our other 9 recommended companies.

Option 2: Sell half and keep half—just in case ALI goes up higher, you
still gain. If ALI goes down, sell all.

Happy investing!

DISCLAIMER:

The views expressed herein are that of the Website’s owner unless otherwise stated.  This blog does not solicit the reader to buy because of the articles posted here. Due diligence must be exercised before buying shares of stock.  The Website owner doesn’t hold responsibility in any manner arising from reading this blog.

Stocks Update: Give a Warm Welcome to Four Fantastic Companies

Last week, I announced that we’re expanding our SAM’s list of fantastic companies.

Current SAM Stocks:  Target Price (Buy below price)
1. Ayala Land ALI P21.65 (P17.43)
2. Aboitiz Power AP P37.06 (P32.22)
3. Cebu Pacific CEB P109.20 (P79.43)
4. Energy Devl Comp. EDC P8.58 (P7.10)
5. First Philippine Holdings FPH P106.81 (P77)
6. Metrobank MBT P108.00 (P83.07)

New SAM Stocks: Target Price (Buy below price)
1. BPI BPI P80 (P72.3)
2. JG Summit JGS P35 (P28.83)
3. Nickel Asia NIKL P26 (P24.57)
4. SM Phil. Holdings SMPH P20 (P17.07)

Note: BPI isn’t really new. We already recommended it last November even if it wasn’t in our list.
As we expand our SAM list, I’d just like to give you a friendly reminder…

“Don’t Listen to the Noise”

The difference between a successful stock investor and an unsuccessful stock investor is this: The unsuccessful stock investor is preoccupied with the market—its ups and its downs. The successful stock investor is focused on fantastic companies.  Warren Buffett, the greatest stock market investor in the world, said that if they closed the stock market for five years, it wouldn’t bother him. Why? Because the ups and downs of the market is noise to him. He doesn’t care about it. He invests in growing businesses, period.  Not the stock market.  The key?  To invest each month in fantastic stocks.  That’s why Warren Buffett’s investment horizon is 10 years to forever.

For example, when CEB, EDC, and FPH dropped almost 10 percent, that was noise. Peter Lynch, another legendary stock market guru,said: “The key to getting rich in stocks is not getting scared out of them.”

Out of the 10 companies we’re recommending, some companies are like eagles flying high today, such as ALI, MBT, BPI, NIKL. (We predict they’ll go higher.)
Some companies are horses that are galloping nicely, like CEB and SMPH.  Some companies are turtles crawling in the mud, like JGS, AP, EDC, and FPH. We believe that they’ll have their day to shine. We just don’t know when.  But all that is noise. They’re eagles, horses, and turtles now. In the future, they might be exchanging places.  So if you have the money, invest in all of them. Or buy five this month and buy the other five next month.
If your investible funds each month are smaller, then buy two or three different companies each month.
Which should you buy now?
If you’ve been doing SAM for some time, I suggest you buy some or all of our new recommended companies: BPI, NIKL, JGS, and SMPH.
My other suggestion? Block out the noise.
Remember:  Becoming wealthy is simpler than you think.

Happy investing!

May your dreams come true,
Bo Sanchez

Stock Market: An Overview

All of us want financial security in the future.  We plan to have our own dream house or a car.  We also want to give the best education to our children and of course when our working days are over, we will all retire.

“The wise man saves for the future but the foolish man spends whatever he gets” – Proverbs 21:20

Aside from the bible verse above which inspires me, my primary reason for investing in stocks is to beat the inflation.  You might be asking why we don’t just put our money in a bank for long-term.  Let’s say, savings or a time deposit account?  Yes of course you can but banks will just give you a measly and tiny interest rate for your money of 2.5% per annum; this is mainly for a time deposit account which is the biggest interest banks can give.  Yes you got it, only 2.5% interest per year less 20% tax of the amounting interest.  If you have 100,000 pesos and put it in a time deposit, it will only earn 2,000 pesos (2,500-500 tax) per year.  Well, if you compare this to the average inflation rate of 7% per year, time deposit interest rate is very low. I still remember in 2010, the price of unleaded gasoline costs about 40-45 pesos per liter.  At 1,700 pesos, my car’s tank is already full. But today it costs almost 2,500 pesos.  Therefore, banks are not good for long-term investments.

So where will you invest your money?

Money can be invested based on the level of risk you want.  It could be in a business, real estate, mutual funds, UITF or the stock market.  For me who still enjoy my day job, I’m investing part of my income per month in the Philippine stock market.

Stock Market: What is it?

A good definition of stock market can be found in Citiseconline’s web site, an online stock broker in thePhilippines.

Stock market is the place where you can invest in other peoples public listed companies.  You can visit the Philippine Stock Exchange website to check these companies.  A company sells shares of stock through an Initial Public Offering (IPO) to raise capital to grow their business.  For example, when you choose to buy stocks of San Miguel Corporation, you become part owner of the company.  But do take note, even if you have thousand shares of San Miguel, it doesn’t mean you will get discounts when you buy a bottle of San Miguel beer or Petron Blaze car fuel.

How will you profit from the stock market?

Your investment grows over time by capital appreciation and by receiving dividends.   Let me tell you a story of my friend to clearly illustrate capital appreciation.  Roughly 11 years ago, he bought 400 shares of PLDT at a price of 300+ per share.  So that’s about 12,000+ pesos of investment.  When the price per share reaches 600+ he was tempted to sell all his shares and take the profit off the table.  But today at the time of this writing, the price per share has increased to 2,746+ per share so his 12,000 pesos is now 1,098,400 pesos if he decided to wait and forget about his investment for 11 years.

capital appreciation

Capital appreciation works over time, so time is one of our greatest assets in the stock market.  Moral lesson: the earlier you start investing the better.  Capital appreciation is one of my bases why I decided to invest my money in stocks for the college education of my kids instead of putting it in an educational plan offered by insurance companies.

Dividends on the other hand, are the profits distributed by the company to its shareholders given in the form of cash or additional shares.  I remember, last July, I received my first dividends from SM Prime Holdings.  I’m very happy although it’s just a small amount the fact that, I didn’t work for it.    I realized my money actually grows!  I also received dividends from SMDC, AyalaLand and First Philippine Holdings.  Click here to view actual dividends.

What if the stock market is down?  Isn’t it dangerous?

When the stock market is down, most people are panicking specially the “Tsupiteros” or the traders.  But for me as a long-term investor, I’m happy!  Why?  Because my favorite “blue chips” stocks which are solid and giant companies are “on-sale”.  It’s like I’m buying sale items in Megamall where all items are 30-50% off.  My money can buy more shares than ever before and one day, when the crisis is over, these “items” will stabilize and will go back to its normal or higher prices then I earn!  For me, there’s nothing wrong investing in giant companies like SM and Ayala Land even in the time of crisis.

So instead of buying sale items in the department stores like shoes or bags, I choose to buy shares that are “on sale” in the stock market especially when there’s crisis like what happen September last year (2011).  Nowadays, my Ayala Land has a gain of 27% (after 14 months of continuous investing) while Metrobank has 20% gain.

This concludes my overview of stock market investing.

Happy investing!

 

DISCLAIMER:

The views expressed herein are that of the Website’s owner unless otherwise stated.  This blog does not solicit the reader to buy because of the articles posted here. Due diligence must be exercised before buying shares of stock.  The Website owner doesn’t hold responsibility in any manner arising from reading this blog.

Understanding Pooled Funds – by Fely Santiago

I started investing in pooled funds in 2008; then the market crashed!  I was so scared in being a first time investor of pooled funds. But today, after two years of regularly investing, even as low as P1,000.00 each month, my rate of return stands at 30 percent. Not bad for an amateur. I wish I started this 30 years ago as soon as I started earning from employment.

What are pooled funds? They are investment vehicles that offer a higher rate of return compared to bank deposits but not without risk. They are measured in terms of net asset value per unit (NAVPU) or net asset value per share (NAVPS). There are two kinds of pooled funds here in the Philippines –unit investment trust funds (UITF) and mutual fund.

UITF versus Mutual Fund

The major difference is that UITF is a bank product managed by the treasury department. Unlike in mutual fund where you buy shares, you buy investment units in UITF. Therefore you do not have shareholders right when investing in the latter.

Although UITF is a bank product, it is not covered by Philippine Deposit Insurance Corporation (PDIC). This means investors bear the risk of losing their money. Additionally, UITF is not governed by any specific law but since they are offered by the banks, they are still under Philippine banking laws regulated by the Banko Sentral ng Pilipinas (BSP).

On the other hand, mutual funds have strict regulations from Investment Company Act of the Philippines which are highly regulated by the Securities and Exchange Commission (SEC).

So what is a mutual fund? Many people still don’t understand what it is.  Well, struggle no more. Mutual Fund is like a cooperative where you put your money together. It does not matter how much each member initially puts in. Some can put in minimum required amount which is P5,000.00 in most cases; and for additional investment,  as low as P1,000 pesos. This money is then handled by a Fund Manager who is responsible for fund allocations. The Fund Manager chooses which stocks or bonds to invest on. However, he is limited by certain guidelines of investments as promulgated by Securities and Exchange Commission.

Mutual Funds are offered by investment companies independently registered with SEC. Therefore, when you buy a mutual fund share, you become a shareholder of that company and you acquire the rights of a regular stockholder; including right to vote and right to receive dividends, among others.

Types of Funds

Financial goals and risk appetite will determine which fund is most suitable for an individual. The more popular funds one can get into are:

Bond Fund

This fund primarily invests in government-issued securities. It’s like giving your money to be used by the government with the promise that the government will pay it back with interest. In short, this is your money lend to government.

It is considered risk-free because the government has two ways of paying investors: print more money and raise revenues through tax collections. On the average, Bond Fund performs four to six percent a year.

Money market fund

Similar to bond funds, money market fund also has a conservative stance since they invest in fixed income securities. These securities mature in one year or less hence, the term money market. Money market fund performs two percent a year on the average.

Stock fund or equity fund

Equity fund primarily invests in shares of stock of listed companies. The bigger allocation of equities within the portfolio allows the fund to attain a more aggressive growth rate. Thus, this is riskier, more volatile, and can result to either higher gains or high losses. Since equity fund tracks the index, the rise and fall on a daily basis is reason for the volatility of the fund.

In 2008, Philequity Fund, one of more popular mutual funds lost 41 percent.  In 2009 however, it recovered and recorded a high of 65 percent! A lot of those who knew how to invest in the mutual funds earned a lot.  For the past 16 years though, Philequity Fund grew at an average of 20 percent despite the ups and downs of the market.

Balanced fund

Balanced fund invests in both bonds and equities. It combines the low-risk-low-gain of the bond fund and the high-risk-high-gain of the equity fund.

Instead of having the money allocated on the risky equity funds, or on the conservative bond funds, the money pooled together is invested by the fund manager on both giving investors the best of both funds. Balanced fund performs 12-15 percent on the average.

Today, there are a total of 42 mutual funds listed in the country. 20 of these are bond funds, nine are equity funds, eight are balanced funds while the remaining five are money market funds.

On the other hand, there are 78 UITFs listed in the country.  32 are peso bond funds, 21 are dollar bond funds, 10 are peso money market funds, five dollar money market funds, nine peso equity funds and one dollar equity fund.

Now that we know what mutual funds are, I challenge you now to transform this knowledge to action and reap the harvest later. If you invest on a fund that can earn a rate of 12 percent a year for the next 25 years at P1,000.00 pesos a month, you will be able to accumulate P1.8 million (P105,881 in present value).

Make that P5,000.00 per month and you’ll have P9.4 million after 25 years (P552,939 in present value). So who says, it’s difficult to accumulate millions?  Continue investing ten years longer and you’ll accumulate P32 million (P606,064.97 in present value)! The higher the rate of return, the higher your money will grow in the long run to meet your needs for retirement, child education and cash fund.

So there you are! It does not take you much money to accumulate millions. What you just need is the financial literacy how and where to invest; and the discipline to put in small amounts on a regular basis that will soon accumulate to millions.

Now that you know what are pooled funds, don’t delay. Start investing NOW!

Original post can be found here.

Healing Habit #1: Take Your Morning Power Drink

This article is a free eReport from Bo Sanchez issued last February 2011.  Its quiet long article but I believe worth of your time reading.  Here it is…

Each morning, I do a number of habits that are very healthy for me.
I pray.
I kiss my wife. (Marowe says that’s the healthiest thing I do the entire day and I don’t argue with her.)
I do my Tai Chi.
I take a walk around my village, while shooing stray dogs with my 3-foot bamboo stick.
And then I have this simple thing that I do which has blessed my health in a profound way.
I take my Morning Power Drink.
And just to remove your fears: No, I’m not recommending a drug, a food supplement, or an MLM product.
This morning habit of mine is something that’s available in your local market for a few pesos.
All you have to do is get it from the palengke (market), cut it, squeeze it, put it in a glass, and drink it.
Every morning.
When I did this, it had a profound impact on my health.
After doing this simple morning habit for more than a year now, I feel my immune system is so much
stronger.
And the great thing about it is that it’s so simple!
This morning habit was taught to me by my health mentor.
Let me tell you more about him.

I Thought I Was Healthy Enough

For 18 years now, I’ve been a semi-vegetarian.
I still eat fish. But for these past 18 years, I no longer eat chicken, pork, or
beef. So obviously, I felt quite proud about how I took care of my health.
Until I met my health mentor.
Let me tell you something shocking: My health mentor hasn’t been sick for the past 24 years. He’s the
healthiest man I know that’s walking on planet earth.
Like me, he’s an entrepreneur missionary. Together with his lovely wife, they go around the world sharing
God’s love.
But for decades now, he’s also been a serious student of health. He’d even fly to Korea and China to learn
from world-renowned masters.
When my health mentor and I started talking more frequently, he challenged my health habits.

Oh believe me, he’s changed a lot of my health habits.
Because of these habit changes, I feel so much stronger today. I rarely get sick. If I do, I bounce back in
one day. It’s just amazing.
People ask me how I’m able to do all that I do. If you know a little bit of my work, you know the heavy
load I carry. I run nine non-profit organizations. I own 12 businesses. I speak 300 times a year. I write 80 articles
a month.
And I need to keep up with my two nuclear-powered boys that love to run and swim and jump and play.
I’m so thankful I’m healthier now—because I want to keep serving God.
I’ve written for you 52 Healing Habits that have blessed my health in dramatic ways. (To join my 52
Healing Habits Program, log on at 52HealingHabits now)
But in this report, I’d like to share the first habit to you.

The Power Drink Nature Gave Us

It’s now my Power Drink of choice.
The wonderful thing about it is that it’s fresh.
Because I prepare it at home.
It’s cheap. It doesn’t come from a factory.
Instead, I buy it from the local market.
Please don’t be shocked by how simple it is.
The older I get, the more I realize that if you want to solve your
problems, you should look first at simple solutions. It’s the simple things that
have the most profound effects in our life.
Let me quote a story I wrote in my book, Awaken the Healer in You. (By the way, you’ll get this book when
you join my 52 Healing Habits Program. For more information, click here.)

Simple Works

When we were traveling in Shanghai, my 84-year-old mother got sick. (Yep, at her age, she still travels!)
When she came home, she got worse. She was coughing non-stop, felt very weak, couldn’t sleep, and had
pain in her ribcage.
When my sisters brought her to the clinic, the doctor gave her top-of-the-line antibiotics. They were
expensive and powerful. She took one tablet before she slept.
The next morning, she felt terrific. “It’s a miracle,” she said, “I feel so good. The antibiotic worked.”
That day, my health mentor visited us. He looked at my mother, and said, “Mommy, I want you to take a
megadose of vitamin C.”
My sister asked, “What brand?”
My health mentor laughed. “When I say megadose of vitamin C, I don’t mean swallowing a pill. I’m
talking about eating fruits and drinking fresh fruit juices. Osterize them. Drink juices many times everyday!”
Here’s what happened.
My mother didn’t listen to him. Nor did any of my sisters who were staying with her.
Why? Because the antibiotic was working.
Or so they thought.
The next day, the “miracle” wore off and she got worse.
Her coughing got worse. Her pains got worse. Despite taking powerful antibiotics everyday.
After one week, she was a wreck.
Mom hates hospitals. But that morning, she felt so bad, she woke up and said, “Bring me to the hospital.
I can’t take it anymore.”
But that day, my health guru visited again.
And he asked her, “Mommy, did you take your fresh fruit juices?”
Mom shook her head.
My sisters said, “Ooops, we forgot.”
My health teacher scolded us, “What happened? Mommy, please take your juices, non-stop, everyday.”

Healing from Simple Fresh Fruits
That day, we gave her fresh fruit juices.
Many times a day. We’d take the fruits, chucked them in a blender, and poured the juice into a glass.
Simple.  That was her main food the next few days.

And would you believe?
In two to three days, she was cured!
Here’s our problem.
We don’t like simple solutions.
We like it when the solution is complicated.
It’s more believable.
Like costly pills.
A trip to the hospital.
An expensive medical test.
But when we hear the words, “Eat fruits”, we think it’s old wives tale.
But scientists are now telling us it’s NOT old wives tales.
Just last January, a group of food scientists proved that mango—in an experiment made in a laboratory—
fought the cells of breast and colon cancer.
For years, scientists have been saying that bananas are effective against hypertension, depression, digestive
problem and a host of other diseases. And ripe bananas have cancer-fighting elements.
For years, pineapples have been known to have powerful anti-inflammatory and anti-cancer properties.
Ordinary fruits that we take for granted because they’re so available.

My Daily Power Drink

Are you ready?
Here’s my morning habit: I drink pure calamansi (small citrus fruit).
Twenty eight (28) pieces of calamansi to be exact.
No added water or sugar.
I buy them at the local market.
I go home, squeeze the 28 pieces all into a glass, and drink.
That’s it!

The morning power drink

(There are other very important “rules” about my Morning Habit
which I will explain fully at the end of this eReport. Don’t miss them.)
I’ve taught this morning habit to many friends.
And many of them who tried it love what it has done to their bodies.
Take the case of my own sister. She’s acidic.
For most of her life, she’s always been acidic.
So she recoiled when she learned about drinking 28 pieces of calamansi. “Oh my gosh, I can’t do that!”
she said, “I’ll die.”
The crazy thing is that she tried it and it cured her acidity.
I’ll explain later why this can happen.
I repeat, at the end of this eReport, I’ll give you step-by-step instructions on how to do it.
But first, let me give you the three incredible benefits of this very simple, very natural Power Drink.

It’s Alkaline Food

When my health mentor sees cancer patients, he notices how acidic their bodies are.
Cancer cells thrive in acidic environments.
Germs multiply in acidic environments.
What causes acidic environments?
I believe the main culprits are the wrong emotional “food” and physical food that we take in.
In my book, Awaken the Healer in You, I covered the negative impact of negative emotions in our body.
In my book, I also discussed the power of eating alkaline food. If you really want to be healthy, then follow
this rule: 70 percent of what you eat should be alkaline food.
What is alkaline food? Fruits and veggies.
Meat is acidic. Processed food is acidic. Medicines are acidic.
We think calamansi is acidic.
Ironically, calamansi is alkaline if you take it the way my mentor teaches me to take it: It has to be taken
pure. If you mix it with water or sugar, it becomes acidic.
That’s why my sister—who suffered from an acidic stomach for 40 years—can take 28 pieces of calamansi
every morning.
Unfortunately, this isn’t common knowledge.
Remember that alkaline food has a tremendous effect on your body. Germs can’t live in an alkaline
environment. Cancer cells can’t live in an alkaline environment.
All organs in your body function optimally when it’s in an alkaline environment.

Natural Vitamin C

This Power Drink is my daily dose of Vitamin C.
Hear me out: Nothing beats natural.
A lot of people take Vitamin C pills. Note that some of them are better than others.
But in my book, vitamin pills are always a second best.
If you can get it naturally, you should.
• Vitamin C is an antioxidant and protects your body from heart disease and cancer.
• Vitamin C produces collagen, the very thing that holds your cells together.
• Vitamin C strengthens your immune system.
• Vitamin C heals your wounds.

Cleansing Toxins

Many of us are sick because of the toxins clogging our systems. There are three kinds of toxins: spiritual,
emotional, and physical toxins.
In this eReport, I’m focusing on physical toxins.
Where do these physical toxins come from?
From the processed foods that we eat.
From the meats that we eat.
From the pesticides in our fruits and vegetables.
From the pollution around us.
Do you want to experience healing naturally?
Strengthen your liver and kidneys.
These are the two organs in your body responsible for removing toxins in your body. When the liver and
the kidneys are overwhelmed by the massive amounts of toxins we ingest everyday, they become weak and can’t do their job. It becomes a vicious cycle. Our bodies become like garbage cans that don’t get emptied for years.
Gunk builds up. So we get sick and die.
To cleanse and strengthen your liver and kidneys, eat 15 kinds of fruits and vegetables everyday.
And one powerful way of cleansing your liver and kidneys is taking the Morning Power Drink I’m
recommending to you today.

How to Start This Morning Habit

Don’t take 28 pieces of calamansi right away.
Take seven days to adjust to it.
Here’s a simple way of doing it:
Day 1: Take 4 pieces.
Day 2: Take 8 pieces.
Day 3: Take 12 pieces.
Day 4: Take 16 pieces.
Day 5: Take 20 pieces.
Day 6: Take 24 pieces.
Day 7: Take 28 pieces.
After the seventh day, you can keep taking this natural Power Drink
for the rest of your life.

Four Rules

Rule 1: Take it first thing.
When do you take your Power Drink?
When you wake up in the morning. This is the first thing you do. Take it on an empty stomach.
Rule 2: Take it pure.
Don’t add water or sugar.
If you do, it becomes acidic and thus loses a lot of its healing effect on your body.
Rule 3: Take it green.
For greater effect, get the green calamansi, not the yellow ripe ones. This is also the reason why you can’t
buy calamansi for a whole week’s consumption. Or they’ll ripen and become yellow. Try to buy for two or three days only each time, so you always take the green ones.
Rule 4: Don’t take anything else for an hour.
After taking your Morning Power Drink, take a walk, pray, read your Bible, write your journal, go to
Mass, etc. Do whatever you want to do, just don’t eat breakfast yet.
Let the calamansi juices do its work in your body for an hour.
After an hour, take your breakfast.
I take a specific kind of breakfast, which is another Healing Habit in my 52 Healing Habits Program. (To
join my 52 Healing Habits Program, log on at www.52HealingHabits.com now)

Six Steps

Let me give you a few tips for this Morning Power Drink.
Let me be honest with you. Cutting and squeezing 28 pieces of calamansi is cumbersome. Find a way to
make it part of your morning ritual where you pray while doing it. Or sing a song. Or listen to worship music. Do something to make it an enjoyable ritual to do each morning.
Step 1: Wash the calamansi.
If you can get organic calamansi, that’s great. If not, just wash them very well.
Step 2: Slice the calamansi at the side, not at the center.
That way, you don’t accidently slice the seeds. It takes on a bitter taste if you do that.
Step 3: Squeeze the juice out together with the seeds.
In other words, don’t use a strainer to remove the seeds. Mix up the seeds with the juice. Here’s why: You
need to get the pulp around the seeds too.
Step 4: Using a fork, briskly mix the calamansi juice with its seeds.
Imagine yourself beating an egg. That’s the motion you need to separate the pulp from the seeds.
Step 5: Remove the seeds.
Scoop up the seeds, using the fork, gliding them out of the glass.
Step 6: Drink your Power Drink.
Enjoy. It’s unusual at first but you’ll get the hang of it.

When You’re Travelling

I travel a lot.
When I take trips in the Philippines, I visit the market and grab my
calamansi for the next day.
When I’m abroad, I look for lemons. I take 2 or 3 (not 28!), depending on
their size.
A few months ago, my wife and I stayed in a hotel in Cebu. I mentioned to
the waiter my little morning ritual. He went into the kitchen and gave me a bag of
8 lemons—on the house. Enough for the couple of days we stayed there.
Another time, I was in a nice resort in Bohol. I went over the top there by
asking the kitchen staff to do the cutting and squeezing of the calamansi for me.
Obviously, I gave them a decent tip for their helpfulness.
My point is that if you really want to do it, you can do it.

Don’t Expect a Miracle After a Month—
But You Can Expect a Miracle After a Year!

I’ve taught my morning habit to a few friends.
Some of them did it but gave up after two or three weeks.
Most common reason?
“I don’t see any changes in my health,” they tell me. One person said, “I still get sick often!”
I can’t blame their reaction. We’re so used to popping a pill and expecting our fever to disappear in 30
minutes.
But the 28 pieces of calamansi isn’t a pill.
It doesn’t fight disease. Instead, it builds up your body to fight the disease. And that takes time.
You don’t strengthen your immune system, alkalinize your body, cleanse your kidneys and liver in a few
days or weeks or months.
You do it over many months.
My suggestion is you do this morning habit for a year.
And here’s my fearless prediction: You’ll be writing me an email, thanking me because you feel so healthy
and strong!
Be healthy as God wants you to be!

May your dreams come true,
Bo Sanchez
P.S. Do you want more? This special eReport that you’re reading now is only Habit #1 of my 52 Healing Habits Program.
I have 51 other Healing Habits eReports which I want to send to you. (Don’t worry, it won’t be as long as
this one! This first one is extra long because I’m introducing my Healing Habits program to you.)
My 52 Healing Habits Program is for those who want to grow in their health naturally and effectively. It’s for people who are sick and tired of being always sick and tired. For an entire year, I’d like to connect with you each week, and “download” to you specific, practical, and powerful steps on becoming healthier. Stronger. More vibrant. And more able to fight diseases.  Some of the things I’ll teach won’t be taught to you by your doctors. (Your doctor might not even know about them.)
Let me give you an idea of some of the simple, effective habits I’ll be sharing with you in the next 52 weeks…
• The one natural “antibiotic” (it’s not really an antibiotic as we know it) that my kids and I take when we don’t feel well—and because of it, bounce back in a day!
• The delicious source of a huge amount of enzymes that I get from a simple appetizer. (Hint: It’s Korean.)
• The natural juice that I take regularly which is loaded with vitamins, potassium, and is more nutritious than milk.
• The best ways I release stress—which causes 75 percent of all sicknesses.
To get my 52 Healing Habits, click here.

Stocks Update: Expanding SAM!

In his latest stocks update, Bo talks about expanding SAM or Strategic Averaging Method. This method lies between the active and passive means of investing hence the name “strategic”.  From the previous 6 recommended stocks, he’s adding 4 more.

To understand the basics of investing in the stock market, download and read this e-book.

Below is the list of SAM and it’s target price.

Current SAM Stocks: Target Price

  • Ayala Land (ALI) – P21.65
  • Aboitiz Power (AP) – P37.06
  • Cebu Pacific (CEB) – P109.20
  • Energy Devl Comp(EDC) – P8.36
  • First Phil Holding(FPH) – P107.16
  • Metrobank (MBT) – P108.00

New SAM Stocks:

  •  BPI (BPI) – P80
  • JG Summit (JGS) – P35
  • Nickel Asia (NIKL) – P26.20 (upgraded soon!)
  • SM Prime Holdings(SMPH) – P20

That brings SAM to 10 Stocks.

The reason for expanding this list is because we are currently facing a booming stock market.  It will help us to have more fantastic companies where we can invest our money.

The next issue of stocks update will discuss these new recommendations in detail so watch for it!

Top10 Past Winners of TrulyRich Club stocks

[contact-form] [contact-field label=”Name” type=”name” required=”true” /] [contact-field label=”Email” type=”email” required=”true” /] [contact-field label=”Website” type=”url” /] [contact-field label=”Comment” type=”textarea” required=”true” /] [/contact-form]