Build Solid Financial Foundation

1
YOU WORK HARD EACH DAY
2014 BoSanchezClub.com Find out what the RICH know that the POOR dont know
FROM 8-5 (OR LONGER!), YOU PUT IN QUITE AMOUNT OF EFFORT

2014 BoSanchezClub.com Find out what the RICH know that the POOR dont know 3
FOR THE COMPANY YOU WORK FOR.
ON AVERAGE, YOU SPEND 42 HOURS PER WEEK

TO EARN AN HONEST PAYCHECK
THERE ARE BILLS TO PAY
AND A LIFESTYLE TO MAINTAIN
DAY IN AND OUT,
ITS OFF TO WORK.
10
BUT IS THAT WHAT WORKING HARD IS ALL ABOUT?




ARE YOU A PARENT WHO WAKES UP AT NIGHT, WONDERING HOW TO EARN MORE MONEY
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TO PAY FOR YOUR KIDS RISING TUITION FEES?

ARE YOU AN OFW WHO LONGS TO GO BACK TO YOUR FAMILY
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BUT YOU CANT KNOWING THEY HAVE NOT SAVED ANYTHING FROM YOUR PADALA?
ARE YOU AN EMPLOYEE WHOS FEARFUL EVERYTIME THE PHONE RINGS
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BECAUSE CREDITORS ARE HOUNDING YOU FOR LATE DEBT PAYMENTS?

ARE YOU AN EMPLOYEE WHOSE SALARY ISNT EVEN ENOUGH FOR YOUR TRANSPO TO THE OFFICE
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BECAUSE OF ALL THE DEBT PAYMENTS BEING DEDUCTED FROM YOU EACH MONTH?
ARE YOU A MANAGER WHO IS 50 YEARS OLD AND WANTS TO RETIRE
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BUT CANNOT BECAUSE OF HUGE DEBTS THAT WILL SWALLOW YOUR RETIREMENT PAY?
ARE YOU A SUPERVISOR WHO HAS BEEN WORKING FOR SO MANY YEARS
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BUT STILL HAS NO SAVINGS?

BUT STILL HAS NO SAVINGS?

ARE YOU A SINGLE MAN IN YOUR 30S WHO CANNOT SETTLE WITH YOUR GIRLFRIEND
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BECAUSE YOURE STILL PAYING FOR YOUR SIBLINGS SCHOOLING?

ARE YOU A SON OR DAUGHTER WHO WANTS TO HELP YOUR AGING PARENTS
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BUT YOU CANT BECAUSE YOUR INCOME IS NOT EVEN ENOUGH FOR YOUR OWN FAMILY?
ARE YOU A RETIREE WHO HAS TO LIVE ON YOUR TINY MONTHLY SSS PENSION
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THAT CANT EVEN PAY FOR YOUR DAILY MEDICATION?

ARE YOU AN ENTREPRENEUR WHOS FAILING IN YOUR BUSINESS
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AND WONDERS WHAT YOUVE DONE WRONG AND WHAT YOU SHOULD DO NEXT?
ARE YOU A SPIRITUAL PERSON WHO IS TORN BY YOUR DESIRE TO HELP OTHERS FINANCIALLY
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AND YOUR LONGING TO REMAIN PURE, SIMPLE, AND NON-MATERIALISTIC IN YOUR ATTITUDE TOWARDS LIFE?
ARE YOU A FILIPINO WHO IS SICK OF A THIRD WORLD PHILIPPINES
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AND DREAMS OF A FIRST WORLD COUNTRY FOR YOUR CHILDREN?

ARE YOU IN A STABLE HIGH-PAYING JOB BUT DEEP INSIDE IS NOT COMPLETELY HAPPY
AND WANTS TO FINALLY PURSUE YOUR PASSION

AND DO THE THINGS YOU REALLY WANT?

PEOPLE DO NOT PLAN TO FAIL

THEY JUST FAIL TO PLAN

THERE IS A BIG DIFFERENCE

BETWEEN BUILDING A FINANCIAL FOUNDATION

AND GET-RICH-QUICKSCHEMES
DO IT RIGHT
DO IT RIGHT
DO IT RIGHT
YOU CAN BUILD PROPER FINANCIAL FOUNDATION
53
ITS NOT YET TOO LATE

YES YOU STILL CAN

IT ALL DEPENDS ON YOU




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YOUR CHALLENGES:
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YOUR CHALLENGES:
OUR SOLUTIONS:
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YOUR CHALLENGES:
To Protect your family (for your Life, Health & Disability).
OUR SOLUTIONS:
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YOUR CHALLENGES:
To Protect your family (for your Life, Health & Disability).
OUR SOLUTIONS:
To help you and your spouse understand Money Basics.
64

YOUR CHALLENGES:
To Protect your family (for your Life, Health & Disability). To reduce your liabilities and get out of debt sooner.
OUR SOLUTIONS:
65

YOUR CHALLENGES:
To Protect your family (for your Life, Health & Disability). To reduce your liabilities and get out of debt sooner.
OUR SOLUTIONS:
To help you and your spouse understand Money Basics. To assess your current financial situation.
66

YOUR CHALLENGES:
To Protect your family (for your Life, Health & Disability). To reduce your liabilities and get out of debt sooner. Dealing with constant changes in your job, career or business.
OUR SOLUTIONS:
To help you and your spouse understand Money Basics. To assess your current financial situation.
67

YOUR CHALLENGES:
To Protect your family (for your Life, Health & Disability). To reduce your liabilities and get out of debt sooner. Dealing with constant changes in your job, career or business.
OUR SOLUTIONS:
To help you and your spouse understand Money Basics. To assess your current financial situation. To help you create a plan and work towards your financial goals.
68

YOUR CHALLENGES:
To Protect your family (for your Life, Health & Disability). To reduce your liabilities and get out of debt sooner. Dealing with constant changes in your job, career or business. Living a long life without adequate income.
OUR SOLUTIONS:
69

YOUR CHALLENGES:
OUR SOLUTIONS:
To implement your plan with regular review.

70
YOU CAN BUILD PROPER FINANCIAL FOUNDATION YOURCHALLENGES: OUR SOLUTIONS:
If you have the will, We will show you the way!

To assess your current financial situation. To help you create a plan and work towards your financial goals.
To implement your plan with regular review.

71
YOUR STEPS TO YOUR FINANCIAL FREEDOM

72

INCREASE YOUR CASH FLOW
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INCREASE YOUR CASH FLOW MANAGE YOUR DEBT
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INCREASE YOUR CASH FLOW MANAGE YOUR DEBT CREATE YOUR EMERGENCY FUND
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ENSURE PROPER PROTECTION
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BUILD LONG TERM ASSET ACCUMULATION
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BUILD LONG TERM ASSET ACCUMULATION

PRESERVE YOUR ESTATE
Step 1: INCREASE YOUR CASHFLOW
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TWO THINGS WILL HAPPEN (5-10 years from now):
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SHRINK YOUR DREAM to fit the size of your income.
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SHRINK YOUR DREAM to fit the size of your income. INCREASE YOUR INCOME to fit the size of your dream!
10
Number of Years Worked
P200K
Ave. Annual Income
P2M
Total Amount Earned
???
SAVINGS
83
10
Number of Years Worked
P200K
Ave. Annual Income
P2M
Total Amount Earned
???
SAVINGS
EARN KEEP
Step 2: MANAGE YOUR DEBT
85
PAY MORE THAN THE MINIMUM,
REDUCE YOUR DEBT SOONER
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Scenario 1 (P216K Balance 18%) Pay Minimum (2.5%/mo.) : P 5,400 Time Pay : Over 25 years Total Interest Paid :
87

Scenario 1 (P216K Balance 18%) Pay Minimum (2.5%/mo.) : P 5,400 Time Pay : Over 25 years Total Interest Paid :
Over P288,000
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Scenario 1 (P216K Balance 18%) Pay Minimum (2.5%/mo.) : P 5,400 Time Pay : Over 25 years Total Interest Paid : Scenario 2 Pay a Little More Than Minimum : P 6,960/mo. Time Pay : Less than 4 years Total Interest Paid :
Over P288,000
89

Over P288,000
About P76,800
90

Over P288,000
About P76,800
Control Your Debt or Your Debt Will Control You.

Step 3: CREATE YOUR EMERGENCY FUND
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Step 4: PROVIDE PROPER PROTECTION
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TO REPLACE LOST INCOME
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TO REPLACE LOST INCOME PROTECTION ANNUAL INCOME x 10
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LUXURY COMFORT
BASIC POVERTY

THIS IS WHAT YOU DO WHILE YOURE STILL LIVING LUXURY COMFORT
BASIC POVERTY

THIS IS WHAT YOU DO WHILE YOURE STILL LIVING PROVIDING FOR YOUR FAMILY LUXURY COMFORT
BASIC POVERTY

WHAT HAPPENS WHEN YOU DIE? LUXURY COMFORT
BASIC POVERTY

BASIC POVERTY

BASIC POVERTY

BASIC POVERTY

BASIC POVERTY

WHAT PROTECTION DOES IS
LUXURY COMFORT
BASIC POVERTY

WHEN YOU DIE
LUXURY COMFORT
BASIC POVERTY

PROTECTION TAKES CARE OF YOUR FAMILY LUXURY COMFORT
BASIC POVERTY

YOUR DREAM DOESNT DIE WITH YOU LUXURY COMFORT
BASIC POVERTY
Step 5: BUILD LONG TERM ASSET ACCUMULATION
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FOCUS ON CREATING PASSIVE INCOME.



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ACTIVE INCOME
122

ACTIVE INCOME PASSIVE INCOME
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ACTIVE INCOME
Income from your direct labor.
PASSIVE INCOME
124

ACTIVE INCOME
Income from your direct labor. You stop working- your income also stops.
PASSIVE INCOME
125

ACTIVE INCOME
Income from your direct labor. You stop working- your income also stops. Job salary Doctor patient Lawyer client OFW/ Seafarer contract Agent commission Contractor project
PASSIVE INCOME

ACTIVE INCOME
Income from your direct labor. You stop working- your income also stops. Job salary Doctor patient Lawyer client OFW/ Seafarer contract Agent commission Contractor project
PASSIVE INCOME

Income from your direct Income keeps coming even if youre not working. labor. You stop working- your income also stops. Job salary Doctor patient Lawyer client OFW/ Seafarer contract Agent commission Contractor project

Income from your direct Income keeps coming even if youre not working. labor. You stop working your You stop working- your income never stops. income also stops. Job salary Doctor patient Lawyer client OFW/ Seafarer contract Agent commission Contractor project

Income from your direct Income keeps coming even if youre not working. labor. You stop working your You stop working- your income never stops. income also stops. Interest Income from Job salary INVESTMENTS Doctor patient (Mutual Funds, Stocks, Bonds, Lawyer client Long-term healthcare) OFW/ Seafarer contract Royalty Income Agent commission Rentals Income, etc. Contractor project

Income from your direct Income keeps coming even if youre not working. labor. You stop working your You stop working- your income never stops. income also stops. Interest Income from Job salary INVESTMENTS Doctor patient (Mutual Funds, Stocks, Bonds, Lawyer client Long-term healthcare) OFW/ Seafarer contract Royalty Income Agent commission Rentals Income, etc. Contractor project

ASSETS
Passive Income Income-Producing Assets
LIABILITIES
Non-Income Producing Assets
132

THE RULE OF 72*
133

THE RULE OF 72*
72 Interest = # of years your money will DOUBLE
134

THE RULE OF 72*
72 4 = 18
Money doubles every 18years
135

THE RULE OF 72*
72 4 = 18
Age 4% 29 Php 100,000 47 Php 200,000 65 Php 400,000
136

THE RULE OF 72*
72 4 = 18
72 8 = 9
Money doubles every 9 years
Age 4% 29 Php 100,000 47 Php 200,000 65 Php 400,000
137

THE RULE OF 72*
72 4 = 18
72 8 = 9
Age 4% 29 Php 100,000 47 Php 200,000 65 Php 400,000
Age 29 38 47 56 65
8% Php 100,000 Php 200,000 Php 400,000 Php 800,000 Php 1,600,000
138

THE RULE OF 72*
72 4 = 18
72 8 = 9
72 12 = 6
Age 4% 29 Php 100,000 47 Php 200,000 65 Php 400,000
Age 29 38 47 56 65
139

THE RULE OF 72*
72 4 = 18
72 8 = 9
72 12 = 6
Age 4% 29 Php 100,000 47 Php 200,000 65 Php 400,000
Age 29 38 47 56 65
Age
29 35 41 47 53 59 65
12%
Php 100,000 Php 200,000 Php 400,000 Php 800,000 Php 1,600,000 Php 3,200,000 Php 6,400,000
140

THE DIFFERENCE BETWEEN P400T AT 4% VS. 12% IS P6,000,000.
THE RULE OF 72*

72 4 = 18
72 8 = 9
72 12 = 6
Age 4% 29 Php 100,000 47 Php 200,000 65 Php 400,000
Age 29 38 47 56 65
Age
29 35 41 47 53 59 65
12%
6M
141

THE DIFFERENCE BETWEEN P400T AT 4% VS. 12% IS P6,000,000.
P6,000,000 IS EQUIVALENT TO 20 YEARS SALARY OF A PERSON WHO THE RULE 72* OR P25,000/MONTH WORKS AT AN ANNUAL SALARY OF OF P300,000 72 4 = 18 72 8 = 9 72 12 = 6
Money doubles every 18years Money doubles every 9 years Money doubles every 6 years
Age 4% 29 Php 100,000 47 Php 200,000 65 Php 400,000
Age 29 38 47 56 65
Age
29 35 41 47 53 59 65
12%
6M
142
DONT JUST WORK HARD FOR MONEY

THE RULE OF 72*
72 4 = 18
72 8 = 9
72 12 = 6
Age 4% 29 Php 100,000 47 Php 200,000 65 Php 400,000
Age 29 38 47 56 65
Age
29 35 41 47 53 59 65
12%
143
DONT JUST WORK HARD FOR MONEY

THE RULE OF 72*
8= 9 72 12 = 6 LEARN HOW72 TO MAKE MONEY Money doubles every 18years Money doubles every 9 years Money doubles every 6 years HARDER FORAge YOU! Age 4% WORK Age 8% 12% 72 4 = 18
29 47 65 Php 100,000 Php 200,000 Php 400,000 29 38 47 56 65 Php 100,000 Php 200,000 Php 400,000 Php 800,000 Php 1,600,000
29 35 41 47 53 59 65 Php 100,000 Php 200,000 Php 400,000 Php 800,000 Php 1,600,000 Php 3,200,000 Php 6,400,000
144
Step 6: PRESERVE YOUR ESTATE
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INVESTMENT
INCREASE CASHFLOW
INVESTMENT
EF
LIFE INS
HC
CASH FLOW
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INVESTMENT
INCREASE CASHFLOW
IF YOUR DREAM IS BIGGER THAN YOU, YOU HAVE 2 CHOICES
149
YOU CAN GIVE UP YOUR DREAM TO FIT THE SIZE OF YOUR INCOME
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YOU CAN GIVE UP YOUR DREAM TO FIT THE SIZE OF YOUR INCOME
OR
YOU CAN BUILD A TEAM

COMPOSED OF PEOPLE WHO HAVE BIG DREAMS & TOGETHER YOU CAN ALL ACHIEVE YOUR BIG DREAMS.
INTERNATIONAL MARKETING GROUP
152
INTERNATIONAL MARKETING GROUP

is one of the biggest & fastest growing financial distribution companies, & has operations in US, Canada, Barcelona, Rome, Milan, Greece, Dubai, Abu Dhabi, Sharjah, Taiwan, Hongkong, Macau, Singapore, Philippines & going worldwide!
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INTERNATIONAL MARKETING GROUP MISSION
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IN OUR TEAM, WE FOCUS ON BUILDING OUR RELATIONSHIPS W/ GOD & WITH EACH OTHER.
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IN OUR TEAM, WE FOCUS ON BUILDING OUR RELATIONSHIPS W/ GOD & WITH EACH OTHER. WE DO THIS FOR RETENTION & TO ENLARGE OUR FAMILY CIRCLE.
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IN OUR TEAM, WE FOCUS ON BUILDING OUR RELATIONSHIPS W/ GOD & WITH EACH OTHER. WE DO THIS FOR RETENTION & TO ENLARGE OUR FAMILY CIRCLE. AS A FAMILY WE CAN "MAKE A DIFFERENCE" IN THIS WORLD.
159
IN OUR TEAM, WE FOCUS ON BUILDING OUR RELATIONSHIPS W/ GOD & WITH EACH OTHER. WE DO THIS FOR RETENTION & TO ENLARGE OUR FAMILY CIRCLE. AS A FAMILY WE CAN "MAKE A DIFFERENCE" IN THIS WORLD. "FAMILY IS NOT JUST WHOSE BLOOD YOU CARRY BUT ARE THOSE PEOPLE YOU CARE & LOVE.
TAKE ACTION NOW!
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TAKE ACTION NOW!
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TAKE ACTION NOW!
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TAKE ACTION NOW!
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ACTION STEPS To take advantage of the IMG SOLUTIONS
165

1. Attend free seminar on Practical Money Management and Investment Strategies by signing-up below!
166

2. Start your Personal Financial Strategy. Build a Solid Financial Foundation.
167

3. Set an appointment for PARTIAL FINANCIAL CHECK-UP (within 24-48 hours)
- Know where you are now, why you are in that situation & where you want to be.
168

3. Set an appointment for PARTIAL FINANCIAL CHECK-UP (within 24-48 hours)
- Know where you are now, why you are in that situation & where you want to be.
DANGER! If you dont undergo Financial Check up, and you do your own
strategywhat if 10 years after, you realize that you used the wrong strategy?
May I know what to expect when I attend your free seminar on Practical Money Management and Investment Strategies?
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Expect to be able to come up with your personal financial strategy so you know what you need to plan for you to achieve financial freedom!
171
GET MENTORING FROM LYNDON MALANOG, FINANCIAL COACH OF BO SANCHEZ AND TRULY RICH CLUB! TO JOIN OUR TEAM, SEND AN EMAIL TO BOSANCHEZCLUB@GMAIL.COM
172
Series 1: Practical Money Management Strategies Series 2: Creating Multiple Passive Income Streams HIGHER SERIES TRAININGS Series 3: Upstart School Series 4: Train The Trainees Series 5: Train the Trainees and Trainers Series 6: Builders Mindset 1 Series 7: The Real Foundation In Building Wealth
Mission No Family Left Behind 173 2014 BoSanchezClub.com Find out what the RICH know that the POOR dont know
Series 8: Getting Out of the Debt Trap Series 9: General Concepts of Investment Series 10: Builders Mindset 2 Building Giants Series 11: Winners Mindset 1 Series 12: Do-It-Yourself Financial Check Up, Analysis and Creating Your Personal Financial Strategy Series 13: The Art of Building Multiple Business Outlets Series 14: Winning Big in Life 1 Series 15: The Spiritual Side of Money Series 16: Winning Big in Life 2
Series 17: The Holy Use of Money Series 18: Winners Mindset 2 Series 19: What It Takes to Be Great Series 20: Coaching A Winning Team Series 21: Winning Principles Series 22: Estate Planning Series 23: Financial Check-up & Review Workshop Series 24: Health Management Series 25: Developing Your Best Product = YOU Series 26: Technical Trainings Series 27: More Training Series for MDs
GET MENTORING FROM LYNDON MALANOG, FINANCIAL COACH OF BO SANCHEZ AND TRULY RICH CLUB! TO JOIN OUR TEAM, SEND AN EMAIL TO BOSANCHEZCLUB@GMAIL.COM
176
Success principles will work if you work them

Jack Canfield
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1

YOU WORK HARD EACH DAY

FROM 8-5 (OR LONGER!), YOU PUT IN QUITE AMOUNT OF EFFORT

FOR THE COMPANY YOU WORK FOR.

ON AVERAGE, YOU SPEND 42 HOURS PER WEEK

TO EARN AN HONEST PAYCHECK

THERE ARE BILLS TO PAY

AND A LIFESTYLE TO MAINTAIN

DAY IN AND OUT,

ITS OFF TO WORK.

BUT IS THAT WHAT WORKING HARD IS ALL ABOUT?

BUT IS THAT WHAT WORKING HARD IS ALL ABOUT?

BUT IS THAT WHAT WORKING HARD IS ALL ABOUT?

BUT IS THAT WHAT WORKING HARD IS ALL ABOUT?

TO PAY FOR YOUR KIDS RISING TUITION FEES?

ARE YOU AN OFW WHO LONGS TO GO BACK TO YOUR FAMILY

ARE YOU AN EMPLOYEE WHOS FEARFUL EVERYTIME THE PHONE RINGS

BECAUSE CREDITORS ARE HOUNDING YOU FOR LATE DEBT PAYMENTS?

ARE YOU A MANAGER WHO IS 50 YEARS OLD AND WANTS TO RETIRE

BUT STILL HAS NO SAVINGS?

BUT STILL HAS NO SAVINGS?

BECAUSE YOURE STILL PAYING FOR YOUR SIBLINGS SCHOOLING?

THAT CANT EVEN PAY FOR YOUR DAILY MEDICATION?

ARE YOU AN ENTREPRENEUR WHOS FAILING IN YOUR BUSINESS

ARE YOU A FILIPINO WHO IS SICK OF A THIRD WORLD PHILIPPINES

AND DREAMS OF A FIRST WORLD COUNTRY FOR YOUR CHILDREN?

AND WANTS TO FINALLY PURSUE YOUR PASSION

AND DO THE THINGS YOU REALLY WANT?

PEOPLE DO NOT PLAN TO FAIL

THEY JUST FAIL TO PLAN

THERE IS A BIG DIFFERENCE

BETWEEN BUILDING A FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

ITS NOT YET TOO LATE

YES YOU STILL CAN

IT ALL DEPENDS ON YOU

IT ALL DEPENDS ON YOU

IT ALL DEPENDS ON YOU

IT ALL DEPENDS ON YOU

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

YOU CAN BUILD PROPER FINANCIAL FOUNDATION

To implement your plan with regular review.

YOU CAN BUILD PROPER FINANCIAL FOUNDATION YOURCHALLENGES: OUR SOLUTIONS:

If you have the will, We will show you the way!

To implement your plan with regular review.

YOUR STEPS TO YOUR FINANCIAL FREEDOM

YOUR STEPS TO YOUR FINANCIAL FREEDOM

YOUR STEPS TO YOUR FINANCIAL FREEDOM

YOUR STEPS TO YOUR FINANCIAL FREEDOM

YOUR STEPS TO YOUR FINANCIAL FREEDOM

YOUR STEPS TO YOUR FINANCIAL FREEDOM

BUILD LONG TERM ASSET ACCUMULATION

YOUR STEPS TO YOUR FINANCIAL FREEDOM

BUILD LONG TERM ASSET ACCUMULATION

Step 1: INCREASE YOUR CASHFLOW

Step 1: INCREASE YOUR CASHFLOW

Step 1: INCREASE YOUR CASHFLOW

SHRINK YOUR DREAM to fit the size of your income.