The Biggest Reason Why We Want To Be Rich: From Brain

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The Newsletter of the www.TrulyRichClub.com Issue Number 210 April-May 2016
From Bos Brain:
The Biggest Reason

Why We Want to Be Rich
People outside the TrulyRichClub dont understand us. Second Step: Hangout
Yes, I still get hate mail, usually from religious people
who dont understand why I talk about stocks and business Early in my ministry, I started working with Joe Dean
all the time. I just got one recently, telling me, Didnt God Sola.
say that we should shun material things? Why dont you Let me tell you his story. The first time Joe Dean
focus on Heaven more? walked into our prayer meeting, he had all the vices in the
I am focusing on Heaven. But its a Heaven that world. The only reason he attended the prayer meeting
Im building on earth, because so many people are going was because he was very sick. The doctors couldnt find
through Hell right now. anything wrong with him, but he felt so much painand he
This month (through my main essay at the end of was scared.
this issue), Im going to invite you to never be comfortable, And he told me, Brother Bo, I dont know if you
always be heartbroken for the poor. believe this, but I think someone has put a hex on me.
Because its true, we can forget about them and just In Tagalog, he said, Kinukulam ako.
be greedy. Here are three steps you can take to avoid that So I told him, Joe Dean, God is more powerful than
all the kulam in the world. Im going to pray God defeat any
First Step: Heroes spirit that may try to harm you.
And praying for him, that was the last time Joe Dean
When I was 13 years old, my hero was St. Francis. felt any pain whatsoever.
Because I read a book about the Saint. I also watched And God changed his life overnight. Joe Dean started
a movie about him titled Brother Sun, Sister serving God like crazy. I recall one of the
Moon. I was never the same ever since. It things he did for our ministry was taking
transformed my entire life. care of the audio system.
Young people today look up at showbiz During the olden days, we didnt
stars and singers and athletes. Thats fine. I hire companies to do that for us. We did it
do that too. But I urge you to look for real ourselves. Joe Dean was so strong, he could
heroes with giant hearts. carry the biggest speakers singlehandedly.
Get to know about Mother Teresa But after his work, Id catch him going
of Calcutta. Mahatma Gandi. Muhammad to the streets to befriend streetkids and
Yunus of the Grameen Bank. Tony Meloto beggars and share Jesus to them. He had
of Gawad Kalinga. These are people whose such a huge heart for the poorest of the
hearts were/are so big, they want(ed) to poor.
embrace everyone. So I invited him to serve the poor with
Question: Who are your heroes? Are me. Together with other volunteers, we
their hearts broken for others? started Anawim in a five-hectare property in

Contents: 1 From Bos Brain 3 Understanding the World of Virtual Artists: An Interview with Marina Cruz-Garcia by Sha Nacino 6 5 Summer Business Ideas for Kids by Tina Rodriguez 7 Virtual Career: Some
Insights from a Mentor by Jomar Hilario 9 5 Helpful Apps for a More Reproductive Day by Joyce Sosoban-Roa 11 TRC Made Me a More Optimistic Person: Lorenzo Santos TRC Story by Sha Nacino 12 Coming
Page 1
Events 13 TrulyRichClub Ladder of Abundance 14 Last Word: Never Be Comfortable Always Be Heartbroken by Bo Sanchez
But if you want to enlarge your heart, youve got to

invite suffering people to disturb your world. Youve got to
invite the poor to enter your schedule, your itinerary, and
your affections.
Warning: Your life will be messy. Your life will never be
the same again. Your life will never be comfortable again.
But thats the idea. Once you immerse yourself into
the life of the less fortunate, you will feel their pain. And
thats a good thing.
You wouldnt want to live for yourself anymore.
This has been my experience
You Cannot Repair This Kind of Broken Heart

(And You Dont Want To)
Today, the Light of Jesus Family has multiplied

Montalban, Rizal. We gave up everything and lived with the our ministries for the poor and broken. We have two
orphans and abandoned elderly. orphanages, a center for pregnant women in crisis, a special
In the early days, there was no electricity or running home for sexually-abused children, a scholarship fund for
water in that land. We slept on the floor of little bamboo poor students, a prison ministry, a counseling ministry, and
huts. It was a rough life. But we loved it. Later on, Joe Dean so forth
and his wife Ardis built He Cares Foundation, a streetkids Im almost 50 now. And Ive got my retirement plans
ministry. all set. I told my wife that when I retire from my overall
Every time I talk to Joe Dean, I cant help having a leadership role in Light of Jesus, I want to go back and do
bigger heart for the poor. more hands-on work for the poor.
Question: Do you have enough friends whose heart is Thats the good thing about having a broken heart.
broken for others? Look for them. Spend time with them. Be When your heart is broken for others, it cannot be repaired.
infected by their compassion. And I dont want it to be repaired.
I will always want my heart to be broken for others.
Third Step: Hug And so I tell you: Never be comfortable, always be
heartbroken.
Some Filipinos live in a cocoon. Let this be the reason why you want to be rich.
They never meet poverty face-to-face. Every day, they
move from their air-conditioned bedrooms to their air-
conditioned cars to their air-conditioned offices to their air- May your dreams come true,
conditioned malls.
The only time they see poverty is if a little girl knocks on
the window of their air-conditioned car, selling sampaguita.
To assuage their guilt, they hand over P20and they think
theyve done their duty. Bo Sanchez
By the way, Joe Dean, who has been working for the
streetkids ministry for decades now, tells me that giving
money to streetkids is a terrible idea. Because the street is P.S. Do you want to be healthier? Nature created usand so
a violent place where kids get raped and beaten and learn when we malfunction, I believe nature can heal us too. Find
drugs. Joe Dean says if you give them money, theyll stay on full health and healing the natural way. For more information,
the streets. The way to help streetkids is to send them back visit www.HealerInYou.com/HealYourselfSeminar now.
to their home and to school.
Giving a coin is easy.
Issue Number 210 April 2016 Page 2

Understanding the World of

Virtual Artists:
An Interview with Marina Cruz-Garcia
by Sha Nacino
She is a visual artist by profession, a wife to Rodel Tapaya who isalso arenowned visual artist,and a mother to two boys.
Her personal advocacy is adoption.
As a visual artist, she and her husband have had several exhibits not only in the Philippines but also all over the world
like Australia, Germany, Taiwan, China, Japan, Hongkong, Singapore, and many other countries.
Ive met Marina a couple of times already and I found her and her husband Rodel both very down-to-earth. We became
friends through our common friend Bro. Rey Ortega, the founder of seven humanitarianorganisations, which include Tahanan
ng Pagmamahal, Jeremiah Foundation, etc.
It was a fine Friday when Marina and Rodel invited Bro. Rey Ortega, me, and some of their couple friends to have lunch
in their house in Bulacan. I love going out-of-town, so I volunteered to drive for Bro. Rey and another friend.Their house was
so beautiful. So was their studio. By the looks of it, you could say that Marina and Rodel were
very successful not only with their crafts but also with their finances. They also invest in the
stock market through COL Financial.
In our society, there is a common notion that there is no money in music or arts or the
creative side. We hear of parents and guardians advising their children to get real jobs. A lot
of people stick to their day jobs that they may not really enjoy and may not really be gifted at
because of financial reasons.
This is the reason why I interviewed Marina. Right after her talk at the TrulyRichClub Quick
Start last February 2016, I invited her to sit down with me for this interview while we were
munching our snacks.
Let us understand the world of visual arts. Is it really possible to pursue it as a fulltime
profession? Can it put food on the table in a sustainable way?
SHA: Hi Marina! Thank you for your time today. Can you share with us how your passion
for painting started? How do you describe your art?
MARINA: My pleasure, Sha! When I was still in elementary, I was very observant. I would take more time looking at
something compared to other kids.By just observing, my passion for arts was developed. My mother was a school teacher
then and I would help her create her visuals,hanggang sa ako nalang talaga yung gumagawa.
It became a natural thing for me to keep drawing and creating things. I get excited when I see books about crafts.
SHA: When did you know that you wanted to be an artist?

MARINA: I was in high school when I realized arts is something Id enjoy doing so much, time becomes immaterial. I
could already imagine myself being an artist.
Nung high school ako nagkaroon din ako ng boost dahil na rerepresent ko yung school, sumasali ako sa mga poster-
making contests, nanalo naman ako. Hindi ako academically magaling pero pagdating sa proficiency na yun pwede akong
mag-place, kaya sabi ko baka ito yung gusto kong gawin. (I also had a boost in high school to pursue becoming an artist
because I represented our school in poster-making contests and I would win. Im not academically-gifted but when it came to
the arts, I could place so I said to myself, maybe this is something I could do.)
SHA: After you graduated from college (she took up B.S. Fine Arts at U.P. Diliman), did you work in the corporate
world?
MARINA: Yes, I used to work in Ayala Foundation as a graphic designer and I used to work in Miriam College as an Art
Teacher for one whole school year, sa high school.
After my stint at Miriam College, I decided to become a fulltime artist. Actually, even when I was still a student, I was

already starting to build my career in arts. My friends and I started doing things outside the curriculum. We formed groups
and proposed exhibitions, galleries, museums. I was part of a group and we had mentors. Our mentors advised us and we
were heeding their advice.
SHA: When did you decide to quit your job and pursue painting fulltime? Did you have any fears and doubtsfinancially
speaking?
MARINA: In the Philippines, its not that expensive to become a fulltime artist compared to other artists abroad. For
example, if you are in New York and you want to become a fulltime artist, its really hard. You have to sustain yourself and pay
for your studio. The cost of living there is high.
Admittedly, its a brave step to decide to be a fulltime artist. Its challenging because you dont get a monthly salary
compared to when you were employed.
SHA:They say that artists just love to express their creativity without thinking of money. What is your take on that?
MARINA: When my husband and I started, we didnt really think about how to make money from it. No one really
taught us how to charge for our paintings. We just enjoyed the creative process. The commercial part is being taken cared of
by the dealer or galleries.
When you are an artist, youdont really need to set up a gallery, you just propose a show, then you concentrate on the
production and the creativity part, your artwork.
SHA: You and your husband Rodel are very successful as world-class artists. At the same time, you are also successful
in your finances. You invest in the stock market. You have your own house and you have your own studio. Can you share
with us some of your success principles, both as an artist and as a financial advocate?
MARINA: Just a disclaimer. We have so much to learn in art and there are so many other artists who are very successful.
We are young artists. We just keep improving our respective crafts.
As an artist:
You have to be really authentic. Love what you do. Log on the hours. Hard work. Go to the studio to work. There are days
when you dont feel like working but you still have to work.
Enjoy life. Do what you love to do and do it powerfully.
One thing helpful with us was to delay gratification, money wise. Themoney in our profession is cyclical. Project-based.
There are times when theres no income. It pays to have emergency fund. You have to plan.
We are happy to produce things, not all for sale. Some are just for presentation.
Conserve your resources. Invest in your craft. In our case, studio is important because thats where we work. Attend
workshops. Do your research. Keep on growing.
Always innovate. Always sharpen your skills, your ideas, your forms.
There are times when you are not successful.
In our finances:
It pays to have mentors. Carefully choose your mentors. Bro. Bo Sanchez inspired me to invest.
Take charge of what you want. You cant blame other people.
We dont regret anything that happened in the past. We all had mistakes/speed bumps We learn from the lessons.
Keep on doing the right thing. Keep doing your best.Blessed ako to have a partner/husband who encourages me to be
better.
Stewardship. If you believe this is what God gave you, you have to take care of it, develop it. Multiply it. Inspire people
to do the same.
SHA: What can you advise artists or writers or people on the creative side who want to pursue their passions fulltime?
MARINA: Whats stopping you? If its finance, your limiting beliefs, think of those things. Take the first steps.
Of course, theres always fear of the unknown. Look at it in a very honest way.
Give yourself time to do it. Whats the best that could happen? Whats the worst? Weigh the risks.
Sayang kasi ang buhay pag di mo ginagawa ang gusto mong gawin.You should be able to dowhat you want and enjoy
the time.Sayang, ang daming nangyari for you Jesus died for you.
During a two-month artist residency programin the U.S., Irealised how blessed we are in the Philippines because of the
low cost of living. Here, you can be a fulltime artist.

SHA: What are the highs and lows of your profession as an artist?
MARINA: HIGHS
- When you win an award
- When you have a show that was appreciated when collectors appreciate and buy your work
- You lost time because you were so engrossed and you feel like you have contributed
LOWS
- When you feel stuck
- When you feel whether the idea is worth showing or not. When youve logged in so many hours in the studio, yet,
youdidnt create anything.
SHA: Can you share with us what is in your bucket list?

MARINA: I want to go to religious places, to the land where Jesus walked.Swim with the butandings. Hug the biggest
trees.I want to see nature that reminds me how small I am. I want to go to different countries and meet other adoptee
families, inspire people and be inspired also.
SHA:What makes you happy?

MARINA: I am happy when the deepest desire of my heart is fulfilled,
when families are formed. I am happy whenchildren/orphans can eventually
find their families.I feel for the child when adoption doesnt push through.
Its so easy to be happy. You just need to look around you. Im happy
when I look at my children. I am happy when I look at our house, at the
plants. I am happy that my partner and husband is always there and I can
chat with him.
I am happy whenever my relationships are growing, when my
relationships with my mom, sisters, deepen.
I am happy when I inspire people to invest.
I am happy when I play with the dogs.
Its so easy to be happy. Youre right, Sha. You have to have a Gratitude Journal.
Your struggles also give you the muscles to be strong. God knows your character. He challenges you so you can go out
of your comfort zone. Of course,masakit yun. Pero pag naka-adjust ka na, ma-realise mo naGod orchestrated everything for
you.
It is refreshing to interview Marina and hear her perspective, especially as regards pursuing your passion in thecreative
side fulltime.
Many of us are afraid of the unknown and she challenges us to study and face the unknown head on. Because maybe,
the fear of the unknown is overrated.
If you were meant to paint, what is stopping you from pursuing painting as a profession?
If you were meant to sew, what is stopping you from doing it?
If you were meant to write songs and sing, whats stopping you?
What is that one thing that you love doing and that you excel at? What keeps you from pursuing it? Are you in a job that
sucks the energy and life outof you but you stick to it anyway because it is your only bread and butter? What if there are other
options to make a living while pursuing your real calling?
Have you been contemplating whether it is time to quit your job and pursue your real passion? I invite you to take time
to be quiet and to reflect. May God give you clarity to discern your calling and may He give you the courage to pursue it.
I wish you success and happiness!
Sha Nacinois an inspirational speaker and an author of nine books. She is currently writing a book calledIs it Time to Quit Your Job?
and she would like to hear your thoughts. Answer this short survey and receive the eBook copy of that book for FREE once Sha is done
writing it. You may access thesurvey atbit.ly/isIttimetoquityourjob

5 Summer Businesss Ideas for Kids

By Tina Santiago Rodriguez
Most, if not all, entrepreneurs especially those who are part of the TrulyRichClub would probably telll you that its
never too early to teach kids business skills.
In fact, encouraging entrepreneurship in kids is something that is highly recommended by TrulyRichClub founder,
businessman and millionaire missionary Bo Sanchez himself. The summer season is usually a good time to do so, since
children usually have more free time.
So, whether or not youre a parent, below are some summer business ideas for the kids in your life (of course, they
can also try their hand at doing this even beyond the summer holidays!):
1. Wash cars.
A car wash business is something that even younger kids can start, and theyll probably enjoy their time
working too!
Gather buckets, sponges, soap and a hose for their car wash equipment. Make sure to involve your kids
in telling others about their cleaning services by getting them to help you make and distribute flyers around the
neighbourhood. You might also want to consider making the car wash a group effort by inviting your kids cousins or
friends to join them.
2. Water plants.
Encourage your child to help your neighbors out and earn some money by offering to water your neighbors
plants. At the same time, they can learn important values like the importance of caring for Gods creation.
3. Set up a refreshment stand.

Summertime often finds us craving for cool, delicious drinks. If you have the space in your compound, set up your
kids version of a lemonade stand, which is more common in countries like the U.S. Help your kids to makesome
sagot gulaman, or other popular Filipino coolers and sell these to neighbors and/or passersby.
4. Sell some sandwiches.

Even younger kids can put together a simple sandwich, so this is a relatively easy business to start.
Help your kids sell their homemade version of favorite sandwich variants like tuna, cheese pimiento, or
peanut butter and jam. You can also encourage them to come up with their own recipes and combinations.
5. Have a garage sale.

Encourage kids to round up toys, books and clothes that they no longer use but are still in good condition. Hold a
garage sale, and have your kids take the role of sales attendants. If their addition and subtraction skills are already
good, they can even become the cashiers.
The aforementioned are just some of the many summer business ideas for kids. Of course, when it comes to kids and
business, make sure to guide the children as needed, and supervise them especially if they are still very young.
No matter what the childs age is, though, try to make sure that he or she is involved somehow in the transaction
part of the business, so that he or she can see the importance of money in daily life.
Also, make the most out of the opportunity for the kids in your life to start a business by teaching them that money
can and should be used for good. Lets teach them that, as our business mentor Bo Sanchez says, the ultimate purpose of
wealth is to love others.
Tina Santiago Rodriguez is a Catholic wife and home educating mom by vocation and awriter and editorby profession. Drawing
from over a decades worth of experience serving as a fulltime mission worker, Tina also gives talks on topics like parenting,
homeschooling, family life, and inspired living, and is currently working on herfirst book about being a truly rich mom. She is
also the host of The TrulyRich Mom Show, an online TV show that airs on Bukal.TV and YouTube. Connect with Tina through her
blog (TrulyRichandBlessed.com)or onFacebook (facebook.com/trulyrichandblessed), Twitter (@tinasrodriguez) and Instagram (@
tinasrodriguez).

Virtual Career: Some Insights from

a Mentor
By Jomar Hilario
Virtual careers are varied. They can be graphic artists, writers, travel writers, ghost writers, accountants, illustrators,
SEO specialists, bloggers, commenters, Facebook Ads managers, social media managers, analytics experts, content
managers, content researchers, bookkeepers, people who follow up people, calendar keepers, secretaries, podcasters,
coders, software engineers, white hat hackers, online game developers, editors and more.
So, yes, any job is considered a virtual career as long as its done
at home and connects via the Internet to the main office.
To dive deeper into this world, you need to learn the 5Ds of
virtual careers:
Demands. Who hires these people? Do Filipinos have any
advantage or disadvantage? Is it a purely American thing?
Doubts. Why should you consider a virtual career? Why should
you not even consider it? What scams are out there?
Dollars. How much can you earn? How are you paid? Are your
taxes deducted automatically? How about benefits?
Days. Can you get a part-time virtual career? Nighttime only? Is
it anything like a call center or BPO (business process outsourcing) job?
What does a day of a virtual professional look like?
Desks. What kind of computer, equipment and Internet
connection are needed? Do you need to be a techno-geek or is computer and Facebook knowledge enough?
For this article, Id like to focus on the question of earningsdollars.
Dollars for the Provinces
According to an article in ABS-CBNs website, Total earnings of the Pinoy freelancers through Elance-oDesk was P9
billion from 2010 to the first four months of 2014. Thats around P2 billion per year.
And thats not just in Manila. The article said, Cebu is the top performing province, with Filipinos earning P706
million from Elance-oDesk between 2010 and 2014. Runners-up are Iligan, Bacolod and Davao.
In Metro Manila (Quezon City, Manila, Makati and Pasig), Filipinos earned P1.3 billion from freelance work on Elance-
oDesk from 2010 to the first four months of 2014.
So, Jomar, How Much Can I Earn If I Do This?
The common question about virtual jobs is, So how much money
does a virtual professional earn if she/he knows how to ______?
Example: So what does a virtual professional who knows how to
create websites earn?
Thats a limiting question and you dont want to go there. Why?
Example: Oh, website creators earn $300 a month. But youre Filipino,
so well pay you $200 a month.
If that conversation happens, what do you do? Will you charge
$200 a month? Or would you like more? How about $600 a month? Or
even higher? After all, you dont want to be just one of the thousands
of skilled online professionals who dont earn what they deserve. You
want to be the one clients prefer to hire at the rate you want.

How Much Can You Make in a Virtual Career?
This is easy. Take either the amount of monthly expenses you

have or the monthly salary you enjoy today.
Divide it by 24 days and then by eight hours. Convert this to US
dollars. This is your hourly rate.
Then, name a price anywhere near this number or higher. Make
sure you have the skills, attitude, experience, proof and gall (yes!) to
justify your rate.
A person claiming to be trained by Jomar to be a virtual
professional but charges P100,000 a month to create PowerPoint
presentations alone is not being realistic. This borders on being
crazy. What kind of real-world job merits P100,000 per month? You
dont know? Ask Google. A virtual manager makes that. A top virtual
programmer can make that, too. So does a Content Marketing Strategist
and a Facebook Ads Whiz and a growth hacker. There are many more.
Its all about attitude, confidence and skills.
How Often Do Virtual Professionals Get Paid?
You think like an employee. Virtual professionals are not

employees even if the US government thinks they are. The answer is,
When do you want to get paid? Yes, you decide.
The 14th /29th I suggest. You avoid major paydays like 15th/30th.
You choose dates when no one is using the ATMs or banks. I also
suggest you avoid 10th or 25th of the month because if you use PayPal,
you might wind up withdrawing on the 15th/30th because of its three-
to five-day processing time. So get paid once a week, twice a month,
what days it is all up to you.
But Jomar, wont the client insist on a schedule? Again, youre
like a weakling employee. Wake up. Youre not. Just state, Here are
my terms, and smile while saying it or typing it. It will be okay. Not
everyone on the planet is like your old boss. Yes, Ive met some and
they are really nice.
Jomar Hilario is the Filipino internet marketing mentor to Bro. Bo Sanchez. Nowadays, Jomar is spreading the wisdom of starting a
part-time virtual career to help create complete families for OFW spouses and parents, night-shift workers, overworked employees
and trapped commuters. The above article is taken from his book Virtual Careers: Earn Dollars at Home, Eliminate Daily Stress,
Embrace Your Family More. You may check virtualcareersbook.com to learn more.

5 Helpful Apps for a

More Productive Day
By Joyce Sosoban-Roa
Is it going to rain tomorrow, Siri? my husband asks. Siri answers, It doesnt look like it will rain tomorrow, Hester.
Sometimes, my husband would play with Siri and he would ask, Siri, am I handsome? And Siri would answer,
I suppose so. For a human. Or he would ask, Whats my name, Siri? And she would answer in her haughtiest voice,
Hester, or thats what you told me!
Siri, the Apple virtual assistant, is quite literally thata personal assistant (well, as long as she understands your
English!). She can email for you, text for you, search a place for you, and so many other things. She can even remind you
of your appointment!
Siri makes life more convenient and productive for us who use technology. In the same manner, applications (apps),
which are downloadable to your iPhone or Android device, makes day-to-day life easier to manage and enables us to
produce more out of it. Id like to share with you some apps that I have found to be of great help:
1. Todoist (https://todoist.com/). I personally use Todoist for my to-do list.

I find it helpful as it even emails me every day on the tasks that I need to
accomplish. It integrates well with Gmail as you can download an extension
of Todoist in Gmail and you can input all the things you need to do the next
day or the next month in your email rather than going to your phone to do
it. Then when youre on the move, you can check your mobile and the same
items will be there.
2. Evernote (https://evernote.com/). Evernote is so helpful because it is the all-around app

for me while on the go. I see a recipe leaflet on the supermarket that I hope to use one
day. I take a shot of the leaflet on Evernote, file it under my recipe category and it is there
for me to return to one day when Im about to cook. My family is going on holiday to a
new place and I read up on several tourist places to see there. I just cut the passages that I
like and paste it to Evernote. Then Im good to go and I dont have to look to the web when
we are on the road. I just check my Evernote. Whats more I can also write on Evernote. I
can even coordinate a project with other people through the app.
3. Another app that I find helpful is Tiny Scanner. You know how it is when you need to file
something and wish you have a scanner with you so you can store the document? That is
exactly what Tiny Scanner does. It turns your Smartphone into a mini scanner for documents,
photos, receipts and other texts then store or email them as PDF files. The good thing about
this app is it gives you a choice what size you want to scale the picture you took. You can scale
the scanned item into Letter, A4, Legal, A3, A5 or card size (85mm x 55mm). Once youve
cropped the file into the size that you want, you can then store them. It is a really nifty app to
have on your phone.
4. One app that helps in making me productive while surfing the web is Pocket (https://
getpocket.com/). When Im researching for an article, I save all the sites I want to
read in Pocket and tag them, then when its time to do the actual reading, I go back
to them. If you have nothing to do, youre waiting for a ride or for your doctor, or
you remember you want to check on that list of must-read books from a website,
then you can just go to Pocket.

5. For me and my husband, the You Need a Budget or YNAB app (http://www.youneedabudget.com/) is something
we swear to when it comes to budgeting. You pay a certain amount (USD50/year)
for it, but it is so worth it. You can test it for 34 days so you can check it out.
I have been budgeting since I was a teenager, and even went through a period
when I used a columnar notebook. The good thing about the new YNAB is it is
cloud-based. Wherever you are, as long as you have Internet connection, you can
input your income or expense. This means you know all the time if you are over
your budget or not. In YNAB, you can also set a goal for a specific category and the
app will show you what percentage you are to your goal.
The special thing about YNAB are its four simple rules: 1) Give every dollar
or peso, or whatever denomination youre usinga job; 2) Save for a rainy day; 3)
Roll with the punches; and 4) Live on last months income.
YNAB really helps us keep to our weekly, monthly and yearly financial goals.
There it is, five apps towards a more productive day! I hope one or two of these will be of help to you. For sure
there are so many apps and programs out there. Use what works best for you and make the most out of your day by using
them.
Joyce Sosoban-Roa is the editor of the TrulyRichClub newsletters. She loves learning, is presently working on her first book on pro-
ductivity, and does volunteer work for non-profits. She would love to connect with you through her website www.joyceroa.com.

TRC Made Me a More Optimistic

Person: Lorenzo Santos TRC Story
by Sha Nacino
He works as Product Design Engineer in Saudi Arabia for about four years to date. He was blessed to bring his family
along with him, his wife Mary Rose and their children John Clarence and Francia.
Lorenzo said that the monthly P997 subscription fee for TRC used to be an issue for him. As time went by, he saw the
value he is getting from his TRC membership.
TRC has opened my mind to so many opportunities! It has made me a more optimistic person. I love the Powertalks!
They are very inspiring to listen to. We were so inspired that we started Feast Video here in our area with our family and
friends.
He is aware that as an OFW, he is earning much
compared to what he was earning in the Philippines. But
herealisedthat its not salary that makes people rich. It just
complicates things if one does not have a proper money
mindset.
TRC helped open my mind on many things. First, is
to have a goal in life and always be optimistic in life. My
perspective on money also changed. Its not all about
money but its all about love. I want to earn more to give
more to others and I will not love money; rather, I will use
it to love others.
I used to think that TRC only focuses on stock
market recommendations. But I realisedthat TRC is not
only makingyou a good investor. It is alsomoldingyou to
become a better person. It also helps me in my personal
growth, my family life, and my spiritual life.
Asked what the greatest lesson he learned from TRC, Lorenzo was quick to say, The greatestlesson I learned is how
to be truly rich in every sense of the word. Its not only about earning money. Rather, I learned to use money to love others.
And I love the GodWhispers sent every day! TRC and Bro. Bo Sanchez boosted my energy tofulfilmy dream!
What is your TRC story? Email me atauthorsha@gmail.com.
Sha Nacinois an inspirational speaker and an author of nine books. She is currently writing a book calledIs it Time to Quit Your Job?
and she would like to hear your thoughts. Answer this short survey and receive the eBook copy of that book for FREE once Sha is done
writing it. You may access thesurvey atbit.ly/isIttimetoquityourjob

Coming Events
Dont Miss These Coming Events!

How to Be a Young Millionaire (TrulyRichKids How to Be a Young Millionaire (TrulyRichKids
and TrulyRichTeens) and TrulyRichTeens)
April 23: The Only Sure Way to Get Your ChildrenAges July 23: The Only Sure Way to Get Your ChildrenAges
9 to 19Become Millionaires Early in Life. Two classes 9 to 19Become Millionaires Early In Life. Two classes
will be offered: For kids ages 9 to 12 and for kids ages 13 will be offered: For kids ages 9 to 12 and for kids ages 13
to 19. Speakers are Obet Cabrillas, Marco Victoria, Mayi to 19. Speakers are Obet Cabrillas, Marco Victoria, Mayi
Lubaton, and Ichel Alignay. For more info, visit www. Lubaton, and Ichel Alignay. For more info, visit www.
TrulyRichClub.com/YoungMillionaire or email Meann at TrulyRichClub.com/YoungMillionaire or email Meann at
beaconlightevents+seminar@gmail.com now. beaconlightevents+seminar@gmail.com now.
Think Rich Pinoy with Larry Gamboa Think Rich Pinoywith Larry Gamboa
April 23: Learn Real Estate the Larry Gamboa Way. Get July 23: Learn Real Estate the Larry Gamboa Way. Get
to learn various Real Estate models from Maves Angeles, to learn various Real Estate models from Maves Angeles,
Randy Manaloto, and many others. For more info, visit Randy Manaloto, and many others. For more info,
www.TrulyRichClub.com/larrygamboa or email Meann at visitwww.TrulyRichClub.com/larrygamboaor email Meann
beaconlightevents+seminar@gmail.com now. atbeaconlightevents+seminar@gmail.comnow.
How to Heal Yourself Naturally Seminar

May 14: Nature created usand so when we malfunction,
I believe nature can heal us too. Find full health and
healing the natural way. For more information, visit www.
HealerInYou.com/HealYourselfSeminar now.
Healing Retreat
June 9-11: Be in a Healing Environment Surrounded By
Healing Mentors. Learn from Dr. Didoy Lubaton, Dr. Romy
Paredes, Chi Barba, and a Team of Life Coaches and Counselors.
For more info, visit www.HealerInYou.com/HealingRetreat
or email Meann at beaconlightevents+seminar@gmail.com
now.
How to Make Millions in the Stock Market

June 25: This is one of our banner seminars that gives
the most essential steps needed to start investing in the
stock marketand create millions over time. If you want
to know how its done step-by-step, join Bo Sanchez, Mike
Vinas, with a special participation from COLFinancials
Chairman Edward Lee. For more information, visit www.
TrulyRichClub.com/StockMarketSeminar or email Meann at
beaconlightevents+seminar@gmail.com now.

TrulyRichClub Ladder of Abundance
Titanium InnerCircle (NEW!)

+Four Quarterly Whole-Day Closed-Door Titanium Innercircle Mastermind Meetings with Bo Sanchez/
Mentors
+Extended Hot Seat to dissect your business and discover hidden money and underutilized assets
+3 FREE Bootcamps for 2015 (exclusive of hotel costs).
+Create your very own premier issue newsletter for customer-building and customer-retention.
+Co-branding opportunity with Bos brand in your newsletter for 12-months
+Lowest Registration to attend the TrulyRichClub SuperConference
+Lowest Registration to attend the TrulyRichClub Wealth Summit
+All the HUGE Benefits of Diamond EntrepCircle, SuperGold, and Gold Membership
Platinum WealthCircle
+Four Quarterly Whole-Day Closed-Door Platinum WealthCircle Mastermind Meetings with Bo Sanchez/
Mentors
+Platinum WealthCircle Videos/Webinars
+Special Surprise Gifts for WealthCircle Members Only
+Special Discount to the TrulyRichClubs SuperConference
+Special Discount to the TrulyRichClubs Wealth Summit
+All the Benefits of Diamond EntrepCircle Membership
Diamond EntrepCircle (NEW!)

+Monthly Diamond EntrepCircle eReport from Bo and Dean Pax
+Monthly Diamond EntrepWebinar from Dean Pax Lapid
+Private Annual Networking Event at a TrulyRichClub Event
+Diamond Member Discounts
+25% Discount on Dean Pax 2-Day Entrepreneur Workshop
+All Benefits of SuperGold Membership
SuperGold Members
+Monthly DVD PowerTalks by Bo Sanchez
+Bonus Gift: DVD of How To Be Truly Rich Seminar
+All Benefits of Gold Membership
Gold Members
+Twice a month PowerTalks by Bo Sanchez
+Twice a month StocksUpdate by Bo Sanchez and Mike Vinas
+Monthly WealthStrategies eReport by Bo Sanchez
+Daily GodWhispers
+Huge Starting Bonus Pack: TrulyRich Seminar in MP4; 3 eBooks, etc.

Last WORD
Never Be Comfortable,
Always Be Heartbroken
Question: Do you want to Cupbearer of the Emperor. His work
taste real joy? was fantastic. His family was secure.
Do you want to feel true His future was bright. In his very
happiness? comfortable life, he could have easily
Then hear these disturbing forgotten his suffering countrymen,
words: Never be comfortable, living 970 miles away in Jerusalem.
always be heartbroken. But he didnt.
Before I tell you what this is The emperor asked, What is it
all about, let me tell you about my that you want?
work. I love my work. Heres one I prayed to the God of
reason: Before I write to you, I get Heaven and then I said to the
to hear God first. He speaks to me emperor, If Your Majesty is pleased
first. Especially todays message. I with me and is willing to grant my
felt God visited me again in such a request, let me go to the land of
powerful way. I couldnt sleep very Judah, to the city where my ancestors
well after wrestling with this Word. are buried, so that I can rebuild the
Today, well read about an city (Nehemiah 2:4-5).
ordinary man named Nehemiah Nehemiah was going to uproot
who was used mightily by God. himself from his very comfortable
Why? He allowed the suffering life in Persia to go back to a very
of others to break his heart. difficult life in Jerusalem. Normal
The Bible says, In those days I people dont do that. Normal people
was the emperors wine steward (Nehemiah 2:1). go from difficult to comfortable. But not Nehemiah.
The 12 million Filipinos working abroad can relate to The emperor, with the empress sitting at his side,
Nehemiah. Because he was an OFW. Except that hes not approved my request (Nehemiah 2:6).
Filipino, hes Jewish, so hes an OJW. And his job was as wine Why is Nehemiah like this?
steward. He was the personal butler of the emperor himself. Three reasons...
One day four months later, when Emperor Artaxerxes
was dining, I took the wine to him. He had never seen me 1. Big Heart
look sad before, so he asked, Why are you looking so
sad? You arent sick, so it must be that youre unhappy Nehemiah had a Big Heart.
(Nehemiah 2:1-2). There are 3 kinds of hearts: A Small Heart, a Regular
There was no reason for him to be unhappy. Because Heart, and a Big Heart.
Nehemiah had a veeeeeeery comfortable life in Persia.
How comfortable? He was living in the Emperors A.) Small Heart
Palacein the most expensive, most protected, most
beautiful house in the country. If Nehemiah was in the Selfish people have Small Hearts. Their hearts are so
Philippines, and someone asked him, Where do you live? small, theres only enough room for one person. They dont
he would answer, I live in Malacanang. That was his care for anyone else.
home address. My friend was complaining to me about her selfish
I was startledand answered, May Your Majesty live husband. She said in the eight years that theyve been
forever! How can I keep from looking sad when the city married, not once did he ask how she was. He can buy stuff
where my ancestors are buried is in ruins and its gates have for himself anytime, but when she needs money, he gives
been destroyed by fire? (Nehemiah 2:2-3) grudgingly. Most of the time, he stays in his room, playing
Do you see what is happening? Nehemiah was the video games. He doesnt talk to their son. He doesnt talk

to his parents or siblings. He just doesnt care for anyone. Are you excellent in what you do right now?
Yes, there are people who are living in their small Dont say, I work sloppy because I hate my job But
heart. Thankfully, they are not very many people like this. one day, Ill do my best when I finally am doing what I really
like doing. Thats crazy. Do your best now. And youll see
B.) Regular Heart yourself finally loving what youre doing.
As the Bible says, Whatever you do, work heartily, as
The second kind of Heart is the Regular Heart. A for the Lord and not for men (Colossians 3:23)
Regular Heart is bigger because ones family fits in it. A
spouse. (I hope just one.) Children. Parents. Siblings. Close 3. Bold
friends. But nothing more.
I believe most Filipinos love their families. And we Nehemiah didnt just feel pity for his people.
must. But if you love only your family, its another kind of He did something. He boldly asked help from his Boss.
selfishness too. And he uprooted himself from his very comfortable Palace
Let me ask you: Are you still moved by the suffering of to live in a devastated city. What was he thinking? But thats
the people around you? Or is your heart jaded? boldness.
Some people think this way: As long as my family can Ive met people who feel pity for others, but it remains
eat three meals a day, Im okay. just thatfeelings. They think if they say, Kawawa naman,
How can you be okay? How can you be okay when theyre already being a good person. The Bible mentions
millions are hungry? Think about it: 26 percent of Filipinos this hypocrisy
still live below the poverty line. That means, for every 10 If you have a friend who is in need of food and
Filipinos, three of them cant eat enough for one day. clothing,and you say to him, Well, good-bye and God bless
you; stay warm and eat hearty, and then dont give him
C.) Big Heart clothes or food, what good does that do? (James 2:15-16)
Many Filipinos are religious. We pray a lot. But our
You know you have a Big heart if the suffering of the faith isnt expressed in our actions. About this, James says,
less fortunate becomes your suffering their pain is your Faith that doesnt show itself by good works is no faith at
pain, and their hunger is your hunger. allit is dead and useless (James 2:17).
Nehemiahs heart was so big, it included everyone.
Because all the suffering Jews lived in his heart, he felt
their suffering.
Warning: Big Hearts are always Broken.
Why? Because there are always broken people living
Your habit of excellence
in it.
Nehemiahs heart broke when he heard how the city is your entrance ticket
of Jerusalem was still in ruins.
Heres what I realized: You cannot hear Gods voice if
your heart is not broken for others.
to Gods bigger plans
2. Best for your life. Unless you
Nehemiah, while working in a foreign land, was so good
in what he was doing, he got promoted to be the Emperors
excel, you wont develop
cupbearer. Much like many OFWs all around the world who
are loved by their employers for being hardworking, caring, the discipline, skills, and
honest, and easy to work with.
Your habit of excellence is your entrance ticket to
Gods bigger plans for your life. Unless you excel, you wont
character needed for your
develop the discipline, skills, and character needed for your
bigger projects. bigger projects.
Think about Nehemiah: Cupbearer is a fancy word for
Butler. But because he was a great Butler, the Butler became
the Governor. Before he became excellent Governor, he was
an excellent Butler.

Start Small
A few people have asked me if I will enter politics.

There have been many religious leaders who have run for
public office.
I always give them the same answer: No.
Some people have this crazy notion that the only way
to serve the country is by becoming a Mayor or Congressman
or President.
Thats not true. You dont have to do big, dramatic
things for the country. Start small. My hero is Edwin Soriano,
one of our faithful volunteers at the Feast.
One morning, he went to withdraw money from an
ATMand he saw a lot of receipts lying on the floor. It was
dirty. He said, We can do better than this!
And what he did was very simple. He didnt wait
for the bank to solve the problem. He went to action. He
picked up the broom nearby and swept. It only took him
two minutes. After cleaning, he asked the bank why they
allowed their ATM to be dirty. The bank manager said the
trashcan was being stolen every night. But a simple gesture
created such a huge impact, and this story went viral on the
internet.
Through Edwin, people are learning that you can love
your country by doing something as simple as picking up
trash.
Alex Lacson wrote a bestselling book, 12 Little Things
Every Filipino Can Do to Help Our Country. Theyre so doable.
Example? Speak positively about the Philippines. Dont buy But in the Philippines, our average age is 24. That
smuggled goods and buy Filipino instead. Ask for official means the biggest bulk of our population is entering the
receipts. Pay your taxes. work force.
Ask yourself this question: What can you do for your My mission is not to become Mayor or Congressman
country? or President. My mission is to help our youththe future
leaders of this country to follow Jesus. So that in the
Politics Alone Wont Change the Country process, I help them become loving, responsible, humble,
honest, compassionate, committed, disciplined
I wont run for political office because its not my call. What is Gods mission for your life?
My call is to help people follow Jesus. I dont believe, either,
that politics alone is the answer to changing the country. I
dont depend on the government to solve our problems. I
believe change must come from the inside. May your dreams come true,
In my lifetime, I believe the Philippines will be a first
world country. And it will not be the government who will
do it. It will be the Filipino people who will make it happen.
Ive got news for you: Economists believe that the
Philippines is entering into an unprecedented golden
era of economic growth. Why? Its largely due to our Bo Sanchez
demographics.
Just to give you an idea of how young we are: The P.S. Do you want to help? You can join KerygmaFamily. By
average age in China is 37. In America, its 39. In France giving to KerygmaFamily, youll be helping our ministries
and Russia, its 42. In Japan and Germany, its 47. In these that help the poorest of the poor. To do so, visit www.
countries, you have an aging population. KerygmaFamily.com.


The Biggest Reason Why We Want To Be Rich: From Brain

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The Newsletter of the www.TrulyRichClub.com Issue Number 210 April-May 2016

From Bos Brain:

The Biggest Reason

But if you want to enlarge your heart, youve got to

You Cannot Repair This Kind of Broken Heart

Today, the Light of Jesus Family has multiplied

Issue Number 210 April 2016 Page 2

Understanding the World of

SHA: When did you know that you wanted to be an artist?

SHA: Can you share with us what is in your bucket list?

SHA:What makes you happy?

5 Summer Businesss Ideas for Kids

3. Set up a refreshment stand.

4. Sell some sandwiches.

5. Have a garage sale.

Virtual Career: Some Insights from

Dollars for the Provinces

So, Jomar, How Much Can I Earn If I Do This?

How Much Can You Make in a Virtual Career?

This is easy. Take either the amount of monthly expenses you

How Often Do Virtual Professionals Get Paid?

You think like an employee. Virtual professionals are not

Issue Number 210 April 2016 Page 8

5 Helpful Apps for a

1. Todoist (https://todoist.com/). I personally use Todoist for my to-do list.

2. Evernote (https://evernote.com/). Evernote is so helpful because it is the all-around app

Issue Number 210 April 2016 Page 9

Issue Number 210 April 2016 Page 10

TRC Made Me a More Optimistic

What is your TRC story? Email me atauthorsha@gmail.com.

Issue Number 210 April 2016 Page 11

Dont Miss These Coming Events!

How to Heal Yourself Naturally Seminar

How to Make Millions in the Stock Market

TrulyRichClub Ladder of Abundance

Titanium InnerCircle (NEW!)

Diamond EntrepCircle (NEW!)

A few people have asked me if I will enter politics.

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