How To Earn While On Vacation: by Foreword by

HOW TO EARN WHILE ON
VACATION
Last updated on October 20, 2012
By Sha Nacino
Foreword by Bo Sanchez
Copyright © 2012 Sha Nacino. All rights reserved.
www.seminarphilippines.com
www.seminarphilippines.com Page 1
Foreword
I Love Vacations
In fact, I just came from Hong Kong yesterday.
I was with a busload of people: my wife, my 2 kids, my 4

sisters, my 6 nephews and nieces, and their spouses and kids.
We were 23 in the group.
You can just imagine the mayhem. 23 people with 23

cameras.
I love vacations so much, I take one vacation a month.
I’m serious!
This year alone, I’ve been to Zambales, Palawan, Bohol,

Hidden Valley, Bangkok, Phuket, Kuala Lumpur…
Most of the time, I take huge groups with me. My
extended family. Or the top leaders in my businesses or
organizations.
I use vacation times for building relationships with the

people I love.
People ask me, “How can you do that? You’re doing so

many things.”
It’s true. I run 12 businesses and 9 non-profits.
But the secret is what Sha Nacino will share with you in
her eBook, How to Earn While On Vacation.
It’s really the magic of passive income.
Sha has the right perspective in life. Take on this

paradigm and you too will go places!
May this eBook bless you.
See you in one of my vacations!
May your dreams come true,
Bo Sanchez
INTRODUCTION
How would you like to continue earning while you’re dining in

Paris or while playing with the pigeons in Milan, or to have
another source of income without getting a second job or
rendering overtime?
When I came back from my European pilgrimage, I read an

email that made me say, “Wow! This is what I’d call ‘passive
income’!” That email also gave me an idea; I realized more
people need to know about passive income and how it is
earned. So, I thought, why not write an e-book and give it for
free?
This book is about how to earn passive income. If this is the

first time you’ve heard of the term “passive income,” don’t
worry. After reading this e-book, you will understand this
concept by heart and realize that earning passive income is
achievable.
This e-book will show you simple, doable, and effective means
to earn passive income. So simple you would say, “Why didn’t
I think of this before?!”
It will re-acquaint you with THREE POWERFUL WORDS you
must be very familiar with, yet probably often take for granted.
You are missing a lot if you continue to take these words for
granted. Why? Because these words could help you earn
passive income.
The FIRST word helped me go to Europe.
The SECOND word allowed me to earn while in Europe.
The THIRD word helped me write and distribute this e-book to

you for free. Eventually, I hope that the third word could also
help me tour the world.
Before I share with you how to earn passive income, let me first
take you to . . .
A Tour of Europe
For 14 days, my friends and I visited three European countries

and eight cities, the highlight of which was the weeklong
World Youth Day 2011 in Madrid, Spain.
First stop was France where everything was magical – the Eiffel
Tower, the Basilique du Sacre-Coeur, the Versailles Palace, and
the Lourdes Grotto. It was a surreal experience!
Next stop was Spain where we conquered the streets of Madrid

with love and smile during the World Youth Day 2011. Seeing
the Pope and receiving his blessing, and being in the company
of great friends from the Philippines and millions of youth from
all over the world gave me immense joy that no words could
describe.
Last stop was Italy where I heard Holy Mass in St. Peter’s
Cathedral in Rome and where I saw the famous Roman
Colosseum. And oh, the gelato was wonderful!
Everything seemed perfect except that I didn’t see Piolo in
Milan. 
When I got back to the Philippines, I found the email I was

telling you about, the one that told me I had earned some
income. Imagine earning money while I was enjoying Europe!
Are you curious to know how I did it? Read on.
Chapter 1:
What is
Passive Income?
The key to earning while on vacation is PASSIVE INCOME.
I know this may sound vague to you so let me differentiate it

from another type of income which is called ACTIVE INCOME.
If you’re employed, your salary is called active income. As Bo

Sanchez once pointed out, in earning active income, you
exchange your time for money. But since your time is limited,
your active income is also limited.
In earning active income, you have to invest your physical

presence. You have to be there, in the office, in school, in the
field, in the workplace.
However, in passive income, you could earn even if you’re not
there, even if you’re snorkeling in Batangas or doing the plunge
in Bohol.
Examples of passive income include apartment rentals,

earnings from your investments, royalties from a franchise, etc.
Is it easy to earn passive income? Well, yes and no.
Yes, because the concept is very simple. And no, because

though the concept is simple, it requires effort, time, and
commitment.
Why is Passive Income Important?
Have you ever skipped a friend’s birthday dinner because you

had to work overtime? What else have you missed just because
you had to stay in the office until the wee hours of the night?
Missing that birthday celebration, or that reunion, or that
dinner with the family is the opportunity cost of having to
work overtime. An opportunity cost, as how economists
describe it, is a foregone benefit.
Instead of opportunity costs, passive income gives you
opportunity benefits. (Okay, I just made up this term.)
Opportunity benefits are the benefits that you could get by not
working overtime. For instance, you could go home early, or
you could hear mass, or you could attend that birthday dinner.
There is a famous song that goes:
“It’s not about the money…money…money… forget about the

price tag.”
Passive income is not just about earning more money. It’s also
about making the most out of one’s time and choice.
More on Opportunity Benefits
The opportunity benefits of earning passive income could be in

terms of TIME, MONEY, and CHOICE.
Time. If you have an additional source of earning in the form of

passive income, you don’t have to work overtime on Saturdays
or Sundays to supplement your basic salary. You could use the
two-day off per week to bond with your family or to enhance
your talents. Eventually, when your passive income would
already be greater than your active income, then you may
choose to take a break from work and do something else.
Money. With passive income, you are still earning while doing
something else. You will have automatically outsourced a
means of generating income. You could use that money to treat
your family to movies, to help out in charity work, to visit an
island, or to save up for the next World Youth Day!
Choice. Let’s say you’re choosing between job A and job B.
Job A is something that you don’t enjoy doing but it gives you
Php20k income per month, which is enough to cover your
living expenses. Job B is something that you love doing, say
teaching in an elementary school, but the income per month is
only Php15k, not even enough to cover your monthly living
expenses.
If you’re earning passive income of at least Php5k per month,

then you could choose Job B and still earn enough money
(active income of Php15k plus passive income of Php5k) to
cover your living expenses.
If you’re earning (through passive income) while in a vacation
with your family, then you could choose to go on vacations for
as long as you want!
Passive Income and Financial Freedom
Eventually, you could have your passive income replace your

active income. This is when your passive income is already
generating earnings greater than your salary.
And when your monthly passive income is already greater than

your expenses, then that’s the stage when you’ve become
FINANCIALLY FREE! You could choose to stop working if you
want to, but still maintain the kind of lifestyle you choose.
Chapter 2:
How to Earn
Passive Income
So how do we earn passive income?
Let me emphasize that this is not a get-rich-quick scheme. If

you hear anyone say, “Get rich quick!” or “Laway lang ang
puhunan”, then take a step back. Maybe that person just wants
easy earnings and will run away after he gets your money.
The truth is passive income is not earned right away. It takes

time. It has a gestation period. It may take months or even
years before you finally earn. But once you start earning, its
potential to increase is exponential. And over time, your
passive income could match and exceed your active income.
Setting up your means of earning passive income also requires

commitment. It’s similar to putting up a business. In the
beginning, you need to really allot time and effort. But once the
business system is in place and you’ve gained your market
presence, you don’t need to allot as much time anymore.
There are several ways of earning passive income. But I don’t

want to bombard you with so much information. So let me
reveal to you the THREE KEY WORDS that are often neglected,
but are actually very good sources of passive income.
These words are STOCKS, INTERNET, and TALENTS. For

easy recall, just remember the acronym SIT.
So SIT down, relax, and read on.
Chapter 3:
Keyword #1 –
STOCKS
You see them all the time – Jollibee, Manila Waters, Ayala land,
PLDT, BPI.
Have you ever thought of owning even just a small portion of

these big companies? If you think owning shares – stocks – of
these companies are only for millionaires, then you are
mistaken.
In his e-book, My Maids Invest in the Stock Market…And Why

You Should Too, Bo Sanchez shared that his house helpers have
invested in the stock market and their money is actually
growing. Click HERE if you want to download the free copy of
Bo Sanchez’ e-book.
I was shocked when I read this. What?! So investing in stocks is

simple and affordable?
I wanted to invest in the stock market too but I didn’t know
how it works. So I signed up for Bo Sanchez’ Truly Rich Club
where he gives updates on stocks. I learned which stocks to
buy, how to buy them and when to sell them. I also learned
some very simple techniques on how to make the most out of
my investments in stocks.
Two Ways of Investing in the Stock Market
There are two ways of investing in the stock market – either as

a TRADER or as an INVESTOR.
As a trader, you buy stocks, wait for the value to go up, and
then sell them. This is a more aggressive way of investing in
stocks. It means that you need to closely monitor your
investments so you would know when to sell.
As an investor, you buy stocks and forget about them. You buy
stocks on a regular basis and apply money cost averaging. Bo
Sanchez defines money cost averaging as investing small
amounts of money each month over a period of ten to twenty
years. In other words, you buy stocks for the long-term.
I didn’t have much time to monitor the market so I opted to be

an investor. That is, I bought stocks of Jollibee, Ayala Land, and
Manila Water and forgot all about them. I had programmed my
mind that my stocks were allotted for my retirement.
How the Stocks Brought Me to Europe
So what happened to my stocks?
A few months prior to the European trip, I thought of not

pushing through because the money I had allotted was not
enough for the trip.
Then I remembered my stocks. Aha! To cut the long story

short, I sold my stocks and voila! The value of the stocks I
bought grew by almost 20% in less than a year! I had enough
money for the trip.
How to Earn from Stocks
I bought some shares of Jollibee Foods Corporation (JFC),

Ayala Land Inc., (ALI), and Manila Water Company (MWC)
sometime in 2010.
The costs per share were as follows:
Company Cost per
Name Share (PHP)
ALI 13.9761
JFC 71.6167
MWC 18.4188
When I decided to sell the stocks so I could go to Europe and

attend the World Youth Day 2011 in Spain, the value of the
stocks had already gone up! Let me show you the table so you
could compare my buying price with my selling price.
Company Buying Selling price Net increase

Name price per per share
share (Php) (Php)
ALI 13.9761 15.60 11.62%
JFC 71.6167 88.30 23.30%
MWC 18.4188 18.64 1.2%
Note: As of this writing, USD1 = PHP41.50.
In just a year, my JFC shares increased by more than 20%! ALI

performed quite well at 11.62% while MWC hardly increased.
The good thing was that, majority of the stocks I bought were
JFC stocks.
Exciting enough? 
Let me just warn you that investing in stocks can be very risky
if you enter it with little knowledge. And so I really encourage
you to get some mentoring. Bo Sanchez is being mentored by a
group of stock investors and he is sharing what he’s learning
from his mentors and from his personal experiences to the
members of his Truly Rich Club.
To increase your knowledge on investing in the stock market,

you may want to attend seminars, read books, or talk to
stockbrokers.
Chapter 4:
Keyword #2 –
INTERNET
You use it perhaps every day, checking status updates of your

friends on Facebook, sending tweets to your friends, or
watching your favorite Koreanovelas from youtube.
Why not convert those internet hours to something more

productive?
I attended a Money Summit organized by Learning Curve last

July 2011 at RCBC Plaza in Makati and most of the speakers
were internet marketers/bloggers. One of them was James
Ryan Jonas, a professor in the University of the Philippines, and
founder of www.pinoymoneytalk.com. He shared that there are
seven different ways of earning through the internet. (Click
HERE if you want to know what these ways are.)
There are many techniques of earning through the internet, but
for now I will share with you just two: GOOGLE ADS, and
AFFILIATE MARKETING. Earning through the internet is
generally referred to as internet marketing.
How to Earn through Google Adsense
The first thing that you need to do is to create a website or start

a blog. Think of something you’d like to share or write about,
and use your website or blog to communicate your ideas to the
world. Then earn from it. How?
Through Google Adsense. This is a feature by which Google

places ads on your website/blog and pays you depending on
the traffic your website generates, or on the number of clicks
viewers made on the Google ads in your website.
Here’s how a Google ad looks like.
Traffic – Traffic refers to the number of visitors who view your
website. I read that Google pays around USD .05 to USD5 for
every 1,000 impressions your website gets. So if the traffic to
your website is 1,000 per day, you could earn anywhere
between USD15 to USD150 a month from traffic alone.
Cost-per-Click – The earnings you get from cost-per-click

depends on how much the advertisers are willing to pay. I read
that Google pays somewhere between 2 cents to USD15 per
click.
Let’s say that out of 1,000 visits to your blog, 10% (or 100) of
them clicked on the Google ads. Thus, your additional earning
from the clicks on your Google ads could range from USD60 to
USD45,000!
How to Earn through Affiliate Marketing
Remember the email I received that wowed me?
The subject of the email had displayed “Congratulations!

You’ve referred a sale!”
When I opened the message, it said, “You have earned $21.50 in
commission for this sale.”
I earned through affiliate marketing. Here’s how it works.
Let’s say you applied as an affiliate marketer of Amazon. As an

affiliate marketer, you have been authorized by Amazon to
market its products, then you earn a commission for every sale
made through your marketing efforts. Amazon would provide
you with an affiliate link so Amazon could automatically track
the sales made through your affiliate link. If your friend clicks
on your affiliate link and buys through that affiliate link, you
earn a commission. You could email your affiliate links to your
friends or post them on Facebook.
In our Amazon example, affiliate marketing is a win-win-win

situation for the three parties – Amazon, you as the affiliate
marketer, and the buyer. You helped Amazon get more sales,
Amazon gave you a reward in the form of affiliate commission,
and the buyer got to know Amazon’s product through you.
To get started, I bought a domain name and host for my

website www.seminarphilippines.com. I signed up using my
friend’s Hostmonster affiliate link. I’ve had very good
experiences with Hostmonster. For a non-techie person like me
who gets lost with the HTML language, I particularly liked
Hostmonster’s 24/7 chat facility.
How to Jumpstart Internet Marketing
I got interested with internet marketing in 2010. I searched for a

trusted and an effective internet marketing coach in the
Philippines and I stumbled upon Jomar Hilario’s page. He is
the internet-marketing mentor of Bo Sanchez. He also mentored
Jay Castillo, the successful owner of the blog
www.foreclosurephilippines.com.
I enrolled in Jomar Hilario’s two-day Internet Marketing

Workshop where he taught me and the participants the basics
of blogging, what topics to write about, how to generate traffic
to your site, how to use auto-responders, how to earn through
Google ads, and many more. The workshop was so much fun
and overflowing with food as the Php9k+ I paid for the two-
day seminar included snacks, lunch, and dinner.
I was overwhelmed after the seminar. Information overload.

Working with HTMLs made my nose bleed. I had created some
blogs but I realized I needed a continuous coaching. So I again
signed up in Jomar Hilario’s Internet Marketing Online Club
where a truckload of information and downloadable files were
stored. From time to time, I would also let him check my work.
I guess that’s the beauty of being part of the Internet Marketing
Online Club.
So if you want to turn those clicks into money, I suggest that

you study internet marketing. Attend seminars. Read articles
online. The internet provides a wealth of information on how to
earn passive income through the internet.
Chapter 5:
Keyword #3 –
TALENTS
I believe we all have talents.
You think you have no talent? I thought the same thing about
myself!
If there are four singing voices, namely the bass, tenor, alto, and
soprano, mine belongs to the fifth called sintonado. I dance like a
stiff pole. I can only draw abstract images that could pass for a
Grade I pupil’s work. And I haven’t mastered a single piano
piece even after taking piano lessons for almost six months! As
the cliché goes: I was fast asleep when God distributed talents
to His children.
But wait! Singing, dancing, painting, and playing a musical

instrument are not the only talents on earth!
How about eating? You may laugh but I think eating is a talent.
In fact, I know of someone who is so good at eating, actually in
knowing what food tastes best, that she put up a restaurant
with her friends. And now their restaurant business is
booming. Thanks to her gift of taste!
We all have talents. We just have to take time to discover them,

nurture them, and use them to bless others. We also have to
think how our talents could provide solutions to someone else’s
problems.
Do you know that your talents could put money in your

pocket? Of course! Your talents could give you passive income.
Here are some practical tips on how that could be done:
Music. If you’re good at playing the guitar, you may record

yourself playing the guitar, develop modules of guitar lessons,
and look for a company willing to produce your CDs.
Alternatively, you may also sell digital copies online. Another
way is to create a website where people could view your videos
for free; thus, driving traffic to your website. You could then
apply for Google ads so that Google will pay you depending on
the traffic you generate to your site.
Writing. If you have a compelling message, write it down and
get it published! Books and e-books are good sources of passive
income too.
When I learned about the importance of personal financial

management, I wanted to share it to my family, friends, and
colleagues. That inspired me to write my very first book Think
Rich, Yuppies!
Baking. Let’s say you’re good at baking mouth-watering,

sweet, and non-sugary brownies. What you can do is to
approach bakeries or pastry stores and sell your recipe to them.
You may ask them to give you a small percentage for every
brownie they sell.
This was how KFC started. Col. Sanders had a chicken recipe
which he offered to over a thousand restaurant owners. After
being turned down 1009 times, one finally said yes, and the rest
is history.
Photography. If you have an SLR or a powerful camera and

you’re great at capturing images, then you could sell your
photos online or in print. That way, you’ve just turned your
hobby into an earning opportunity. If you think this is absurd,
then look at the post cards that are so common not just in the
Philippines but in other countries as well.
Of course, you need to be a little more creative here. What

would set you apart from other photographers? Why should
people buy from you instead of just downloading the photos
online? These are the questions you need to address.
Sports. If you’re good at sports - be it badminton, running,

volleyball, or biking - share your expertise and earn from it.
When I wanted to learn how to play badminton the right way, I

had to hire a badminton coach and pay him for each hour that
he spent playing with me. I think that is so cool. Imagine,
you’re just doing what you love to do, and people pay you for
it? As a coach, this is still called active income as you need to
invest your time and physical presence. To turn this into
passive income, you could video-tape yourself demonstrating
how to play badminton and put them in a DVD. You only have
to do the video once, but every time someone buys a copy, you
earn from royalty, even if you’re surfing in Samar or island-
hopping in Palawan.
Sewing. If you’re into sewing, find your niche. Perhaps you
could design and sew Barong Tagalog that doesn’t easily get
crumpled for male office workers. Or you could create modest
but fashionable clothes and be an expert in that field.
These are just a few ideas on how one can earn from one’s
talent. There are still many more out there and it would be up
to you to discover and choose them! The key is to look for ways
on how your talent(s) could solve someone else’s problems.
Discover that talent now and earn from it!
Conclusion
I believe that there’s no limit to what you can do! All you need
is a little creativity, determination, and a strong belief that soon,
your dreams will come true. Don’t waste that talent that God
has given you. Use it to bless others, and money will just
follow.
I love immersing myself in an environment that inspires me to

become better in all areas of my life. This is the reason why I’ve
been investing in my greatest asset – myself – through books,
seminars, learning clubs, etc. I encourage you to do the same.
If you want to learn more about Success, Entrepreneurship,

Money, Stocks Investing, Happiness, Relationships, Pursuing
your Dreams, etc., from one of the most sought-after
international speakers, I highly recommend that you join Bo
Sanchez’ Truly Rich Club. I’ve been a member of this club for
three years now and it has blessed (and continues to bless) me
tremendously. Click HERE.
If we’re not too busy earning for a living, then we could
actually live. To live means to savor each moment, to take time
to smell the flowers.
A priest once said “If you’re an employee, honor your

commitment with your company. If you signed in your contract
that you will work from 8am-5pm, then don’t go overtime.
Work intensely during the 8am-5pm so that you could go home
at 5pm.” I guess there’s so much wisdom to what he said, don’t
you think so? 
And oh…If you had some eureka moments during and after
reading this e-book, I’d love to hear from you. Share us your
insights by leaving a comment in
http://seminarphilippines.com/free-ebook/.
Happy learning… and earning!
Cheers,
Sha Nacino
Text and photos by Sha Nacino. Copyright © 2012 All rights

reserved.
P.S. In case you are not yet subscribed to Seminar Philippines, I

am personally inviting you to subscribe now to receive the
latest posts that are designed to empower you to achieve the
life you want, all at no charge. Log on to
www.seminarphilippines.com. 
About the Author
Sha Nacino is an author and speaker.
She took up her Bachelor of Science in

Business Economics from University of the
Philippines, Diliman, where she graduated as
Dean’s Medalist.
You may get in touch with Sha through any of the following:
http://seminarphilippines.com/about-2/
http://www.happysha.com/
Facebook
http://twitter.com/#!/ShaNacino
happysha.ph@gmail.com
Disclaimer and Disclosure
Disclaimer: The author is not an accountant or a financial adviser. While every
effort has been made to ensure the accuracy of the information provided, the
author disclaims any liability from the direct or indirect use of this material.
Disclosure: This e-book contains affiliate links. It means that the author will earn
affiliate commission when a purchase is made. The author highly values her
integrity. In this regard, she only recommends seminars/clubs/products that she
personally joined/used and/or thoroughly researched.

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HOW TO EARN WHILE ON

Last updated on October 20, 2012

Copyright © 2012 Sha Nacino. All rights reserved.

In fact, I just came from Hong Kong yesterday.

I was with a busload of people: my wife, my 2 kids, my 4

You can just imagine the mayhem. 23 people with 23

I love vacations so much, I take one vacation a month.

This year alone, I’ve been to Zambales, Palawan, Bohol,

I use vacation times for building relationships with the

People ask me, “How can you do that? You’re doing so

It’s true. I run 12 businesses and 9 non-profits.

It’s really the magic of passive income.

Sha has the right perspective in life. Take on this

May this eBook bless you.

May your dreams come true,

How would you like to continue earning while you’re dining in

When I came back from my European pilgrimage, I read an

This book is about how to earn passive income. If this is the

The FIRST word helped me go to Europe.

The SECOND word allowed me to earn while in Europe.

The THIRD word helped me write and distribute this e-book to

For 14 days, my friends and I visited three European countries

Next stop was Spain where we conquered the streets of Madrid

When I got back to the Philippines, I found the email I was

Are you curious to know how I did it? Read on.

The key to earning while on vacation is PASSIVE INCOME.

I know this may sound vague to you so let me differentiate it

If you’re employed, your salary is called active income. As Bo

In earning active income, you have to invest your physical

Examples of passive income include apartment rentals,

Is it easy to earn passive income? Well, yes and no.

Yes, because the concept is very simple. And no, because

Why is Passive Income Important?

Have you ever skipped a friend’s birthday dinner because you

There is a famous song that goes:

“It’s not about the money…money…money… forget about the

More on Opportunity Benefits

The opportunity benefits of earning passive income could be in

Time. If you have an additional source of earning in the form of

Choice. Let’s say you’re choosing between job A and job B.

If you’re earning passive income of at least Php5k per month,

Passive Income and Financial Freedom

Eventually, you could have your passive income replace your

And when your monthly passive income is already greater than

So how do we earn passive income?

Let me emphasize that this is not a get-rich-quick scheme. If

The truth is passive income is not earned right away. It takes

Setting up your means of earning passive income also requires

There are several ways of earning passive income. But I don’t

These words are STOCKS, INTERNET, and TALENTS. For

So SIT down, relax, and read on.

Have you ever thought of owning even just a small portion of

In his e-book, My Maids Invest in the Stock Market…And Why

I was shocked when I read this. What?! So investing in stocks is

Two Ways of Investing in the Stock Market

There are two ways of investing in the stock market – either as

I didn’t have much time to monitor the market so I opted to be

How the Stocks Brought Me to Europe

So what happened to my stocks?

A few months prior to the European trip, I thought of not

Then I remembered my stocks. Aha! To cut the long story

How to Earn from Stocks

I bought some shares of Jollibee Foods Corporation (JFC),