PSE Index Soar Above 6,800 After Fitch First Investment Grade Rating

This is another milestone for Philippines Stock Exchange (PSEi) Index and the Philippine economy.  Our 24th record high for 2013 after we received the first ever investment grade debt rating from global credit rating firm Fitch. This could mean an opening of the floodgates of  businesses, investments and job opportunities for Filipinos. Hopefully.

Congrats to all Pinoy! This is the first investment rate grading in history. Let's brag about this and say, "It's really more fun investing in the Philippines!" 

Here's an excerpts from different investment news sites: bloomberg.com and rappler.com:

Philippines Wins First Investment Grade as Aquino Spurs Growth

"The Philippines achieved investment grade for the first time as Fitch Ratings raised its assessment, rewarding President Benigno Aquino for leading a growth resurgence after lagging its regional peers for decades.

The rating on the nation’s long-term foreign currency- denominated debt was raised one level to BBB- from BB+, Fitch said in a statement today. The outlook on the rating is stable.

“The Philippines’ sovereign external balance sheet is considered strong relative to A range peers, let alone BB and BBB category medians,” Fitch said, citing the net external creditor position.

An exit from so-called junk status bolsters Aquino’s drive to transform the nation into one of the region’s fastest-growing economies 15 years after the Asian financial crisis of 1997-98. The upgrade may also boost capital inflows and complicate the job of the central bank as it tries to rein in an appreciating peso and curb asset bubbles."

Source: http://www.bloomberg.com/news/2013-03-27/philippines-wins-first-investment-grade-as-aquino-spurs-growth.html

PH Shares Soar Above 6,800 On Investment Grade

"The Philippine Stock Exchange Index (PSEi) posted its 24th record high for 2013 after the Philippines received its first investment rate grading in history.

The PSE Index hit 6,847.47 points, up 182.35 points or 2.74% on Wednesday, March 27. This after the PSEi peaked at 6,872.14 on account of the country received its historic investment grade rating from Fitch. 

The All Shares index was at 4,234.31 points, up 70.60 points or 1.7%. Around 2.87 billion shares worth P12.92 billion changed hands at the local bourse on Wednesday.

There were 110 shares that advanced, 44 declined, and 35 remain unchanged."

Source: http://www.rappler.com/business/industries/210-capital-markets/24939-philippine-shares-trading-above-6,800

So, What a credit rating upgrade means for Filipinos?

An investment grade is a seal of good housekeeping. It tells investors it is safe to do business in the country, and encourages them to put huge capital in the Philippines. Below is an INFOGRAPHIC from rappler.com

Interested in Stock investing in the Philippines?

Join the Truly Rich Club.

For more information about the Truly Rich Club, go to this link TrulyRichClub or hit the "Get Instant Access!" button below.

The TrulyRichClub is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

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Truly Rich Club Stock Recommendation BUY Alert - March 27 2013

This kind of stock update is part of the TrulyRichClub benefits number 11, Being a member, you will not only get a regular stocks update but also an update similar to this one, Stock BUY alert or Stock SELL alert. This alert message is from the TRC team of experts.

Here's what Bo Sanchez mention about this benefit: 

"Big Blessing #11: 
Each, Month, You'll Receive My "Stocks Update".  Also, Absolutely FREE!

In my Stocks Update, I'll tell you how I invest

Here’s another thing I’ll do for you.

Each month, I’ll send you a very short “Stocks Update”. I’ll tell you what companies I’m investing in and how they’re doing. 

Why will I give this “Stocks Update” monthly report? To give you guidance and inspiration.

Especially when there’s a crisis, my “Stocks Update” will be crucial. It will prevent you from selling your Stocks because of your panic—and lose your money. And it will encourage you to do the very opposite—buy great companies when the prices are very low.

In one single page, I’ll tell you everything you need to know about your Stock investments.

I’ll remind you to invest each month. I’ll urge you, push you, beg you to be faithful to your monthly investments.

I’ll tell you when its time to sell the Stocks I wrote about in my Ebook above.

I’ll tell you the new undervalued Stocks that you can buy.

I’ll tell you what I’m doing with my own Stocks.

I promise: In plain, simple English. No financial jargon you won’t understand."

Below is an example is Stock BUY alert from Truly Rich Club:

******************

Hi Red, 

Buy Alert: ____ 

We're coming out with a BUY signal for ______ _____ Company, Inc. (____). 

We like ____ because of its excellent track record and for its expansion
outside the East Zone of Metro Manila that is gaining momentum. 

I’ll talk more about this in our upcoming issue of Stocks Update. 

As I write this, ____ is doing 38.35 per share.Our Target Price is P44, while our Buy Below Price is P38.26. 

SAM’s accumulating one good company after the other! 

Happy Investing!

Greater things,
Mike Vinas

******************

Interested in Stock investing in the Philippines?

Join the Truly Rich Club.

For more information about the Truly Rich Club, go to this link TrulyRichClub or hit the "Get Instant Access!" button below.

The TrulyRichClub is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

Philippines Stock Exchange PSEi Index Returns Above 6,600 Mark as of March 26, 2013

Finally Philippines Stock Exchange PSEi index returns above 6,600 mark as of March 26, 2013. We gained another 1.02 percent or 67.53 points to 6,665.12, the PSEi's fourth consecutive advance after an eight-session losing streak. God bless the Philippines.

Interested in Stock investing in the Philippines?

Join the Truly Rich Club.

For more information about the Truly Rich Club, go to this link TrulyRichClub or hit the "Get Instant Access!" button below.

The TrulyRichClub is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

How To Turn Your Passion Into Profit By Truly Rich Club Founder Bo Sanchez and Prolific Entrepreneur Guru Dean Pax Lapid

Bo Sanchez the founder of a financial and spiritual mentoring group the TrulyRichClub and a prolific entrepreneur Dean Pax Lapid joined force and had just released their latest art, a book entitled, "How To Turn Your Passion Into Profit - 8 Keys To Build a Truly Rich Business" 

If you've been following Bo Sanchez blog, I assume you also read his blog entry with the same title, "How To Turn Your Passion Into Profit". You can check and read it again here: http://bosanchez.ph/how-to-turn-your-passion-into-profit/.  In this blog, he encouraged the reader to Find A Business Angle To Your Passion. 

I like Bo Sanchez when it comes to giving titles and sub titles in his books. It's so compelling. I am not saying he's good in creating a compelling titles only, he is an amazing, superb and a truly soul-striking-and-passion-driver-writer. He is a good writer and I am sure so many people can attest to that. 

Now, let's talk about Dean Pax Lapid. A lot of entrepreneurs and financial and business speakers know Dean Pax, the co-author of Bo Sanchez latest book. By the way Dean Pax Lapid is the former Dean of Entrepreneur School of Asia. He is also a Professor of Entrepreneurship at Asian Institute of Management, one of the most prestigious business schools in Asia. He is a prolific entrepreneur, creating one new business a year. 

Dean Pax is also the co-author of Go Negosyo's 21 Steps on How to Start Your Own Business book. In this Go Negosyo book, Ping and Dean Pax discussed the 21 steps of founding a business. It was written in simple, step-by-step manner, easy to understand even by people who did not have background in business and commerce. There is also the T.I.P.S. which helps the reader grasp he or she reads.

This book How To Turn Your Passion Into Profit - 8 Keys To Build a Truly Rich Business", I assume will be another best selling book. No questions about the combination of these two great men, well-respected entrepreneurs and best selling authors. Hopefully I can get my copy soon.

Well, to tell you frankly I haven't read the book "How To Turn Your Passion Into Profit" yet. I'm looking for it in NBS but no stock yet. Once I read it, I promise, I will try to create a review.  

I think you probably heard this one too... "Do What You Love, the Money Will Follow". That's true. A nice principle to follow. This is simple principle. An entrepreneur following this simple principle can really make big difference and a big dent to the universe.

What I will going to share you now is the thing Bo Sanchez shared us inside the TrulyRichClub. He shared us these 4 Principles to Harness Your Passion for Business Success:

1. Principle #1: How to Find Your Passion
2. Principle #2: How to Turn Your Passion into Profit
3. Principle #3: How Your Passion Can Prosper Your Business
4. Principle #4: How to Develop Your Passion for Success

I cannot tell you the full details of these four principles, but I am sure you get the message. The message is simple, Do What You Love, the Money and Success Will Follow.

The question is how do you find your true passion. OK. You should be thanking me now. This one is from the Bo Sanchez private mentoring club also. At first, many of us don’t know what is really our passion. But how will we know? 

Here are few questions you need to answer in order to know what really is your passion: (Note from the TrulyRichClub: If you have the same answer on many of these questions, that’s good!)

• Where do you excel? Where do people say you are superb in?
• Where have you been successful in the past?
• What gives you most joy? Happiness? Fulfillment? Satisfaction?
• What do you love to do? That even if you don’t get paid, you’ll still do it?
• What’s your obsession?
• What did you like doing as a child? Hobbies? (See any connection?)
• What do you value or consider most important?

That's if, I hope you and I will be inspired once again by this book of Bo Sanchez and Dean Pax Lapid. 

Please leave you comment below if you read this book already.

Once again, if you really wanted to change your financial, spiritual and business life, JOIN the TrulyRichClub now and let's join together in this journey to financial freedom and abundance.

For more information about the Truly Rich Club, go to this link TrulyRichClub or hit the "Get Instant Access!" button below.

The TrulyRichClub is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

How To Invest In The Philippine Stock Market Using The Truly Rich Investment System

In his book, "My Maid Invests in the Stock Market...and Why You Should, Too! Because Everyone Ought to Be Rich", (You can have this book for F'R'E'E if you become a member of the Truly Rich Club) Bo Sanchez mentioned how he is guiding his helpers invest in the stock market. Today, in a newsletter, he emphasizes that his student (his helper) already have P518,844 in her stock market portfolio. That amazing.

Below is the newsletter I got from the founder of the Truly Rich Club. Please also read and realize how his helper outperformed the Vice President of a company.

Are You Afraid

Of Growing Old Without Money?

          Greg is a 63-years old Vice President of a company.

The salt and pepper hair fits him nicely.  Makes him look elegant.  Greg also wears cool clothes that make him look like a rich gentleman.

But his eyes can’t hide the bone-chilling TERROR inside.

Because he knows he will retire at 65.  That’s just two years away.   And he’s scared.  Because on that day, he won’t have a monthly paycheck anymore.

       “I’m sure you have savings, right?” I asked Greg.

       He looked down, shaking his head.  “Not more than P200,000 in the bank.  I’ve never been very good with savings.  I just spend my money.  And there were many emergencies along the way.  I know I should have saved more.  But I didn’t.”

       I asked, “But you’ll get a nice retirement package from your company?”

       “To pay my debts,” he sighed.  “I just borrowed to buy a car last year.  And did some house repairs this year.  We also travelled as a family last summer, paid for by another loan.  So whatever I’ll get from my retirement will erase my debt.  But nothing will be left.  Absolutely nothing.”

       I couldn’t help but groan. 

Greg was staring at the PERFECT STORM.   A financial calamity that was coming in two years.

“Can you help me, Bo?” Greg asked.

I pitied him so much.  If only he was twenty years younger—it would have been easy!

My Maids Have MORE Investments

Than This Vice President

All my maids are invested in the Stock Market. 

My first maid—the first one who started her investment program under my guidance—now has P518,844 in her stock market portfolio.  She’s only 30 years old.  If she keeps investing, she’ll have P15 Million by the time she hits 50.  Note: A maid!  (Last year, I promoted her to bookkeeper, but that’s another fascinating story to tell at another time.)

Almost all my employees (over a hundred of them) are investing in the Stock Market too.  Messengers, janitors, clerks...  I’ve got happy employees because they will all be multimillionaires when they retire.

       Even my sons Benedict and Francis, ages 13 and 7, are investors.  For years, Benedict would invest money from his odd jobs.  And Francis would invest Christmas cash gifts from Ninangs and Ninongs.  They will be millionaires by age 18 and multimillionaires by age 21.

       Let me repeat: Their money is in the Stock Market. 

Not in the Bank.   

Did you know that the interest you earn in a bank is LESS then 1% a year?  But in the Stock Market, if you follow my simple investment system (NOT trading!), you’ll grow your money from 12% to 20% a year over time and become a multimillionaire in 20 years.

You Don’t Have To Make The Mistakes Of Greg

      

       Some people think that as you grow older, you’ll have to grow poorer.

Not true.  You don’t have to make the mistakes Greg made.

Thousands of people have already joined my TrulyRichClub. And following my guidance, they have started investing in the Stock Market.  And they’re very happy.

Those who joined me 2 years ago—and who invested in the Stock Market with my guidance—can’t thank me enough for the TOTAL CHANGE that has happened in their financial life.

       I repeat: Don’t be like Greg.  You don’t have to be afraid growing old and poor.

Stop postponing!  You’re missing out on these earnings.  Most importantly, you’re missing out on gaining financial freedom.

       To join, click the link below:

Yes Bo, I’d like to change my finances in 2013;

Tell me more about the TrulyRichClub.

             

May your dreams come true,

Bo Sanchez

PS. Start this new year right!  To gain financial freedom for your future and join the TrulyRichClub, click the link below:

     Yes Bo, I’d like to change my finances in 2013;

Tell me more about the TrulyRichClub.

Interested in Stock investing in the Philippines?

Join the Truly Rich Club.

For more information about the Truly Rich Club, go to this link http://bit.ly/BoTRC or hit the get instant access button below.

The Truly Rich Club is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

Truly Rich Club Buy Alert and Stocks Update: Don’t Interrupt the Compounding

Yehey! I received another Stocks Buy Alert from Truly Rich Club.  This particular stock market update is so interesting. Notice this new-buy-recommendation below.  The current price is P88, but the buy-below-price is only 89.60. Not very far from the current price, right? Meaning... we can only buy if the market maintain the lateral movement or if the price for this particular company goes down. 

I also remember this two golden lessons I got from the previous stocks update. You might as well follow and  practice these two lessons too. Follow these! Reverse Your Psychology in terms of stocks investing.

Lesson 1: When your stocks go up, be sad.    

Lesson 2: When your stocks go down, be happy.

Bro. Bo Sachez also urges all members to avoid withdrawing and continue investing... "I urge you: Avoid withdrawing from your stock market investments. If you feel tempted, just remind yourself: “When I withdraw P50,000 today, I’m actually withdrawing P1Million tomorrow."

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Red,

This is a long-term play.

As usual, no rushing.  Just buy little amounts every month. 

As I write this, _____ is P88 per share. 

Our Target Price is P112.

Our Buy Below Price is P89.60—not very far from P88.

If by the time you read this, the share price goes higher than P89.60,please don’t buy.  Wait for it to go lower than our Buy Below Price.  I repeat: This is a long-term play.  (Everything we do is long-term!) 

Happy investing!

May your dreams come true,
Bo Sanchez 

PS. The Stock Market had a slight correction last week—and we like it thatway.  As long-term investors, we like it when our stocks go down.   I justwish it stays down or even go lower.  So we can all buy at cheaper prices.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Below is the first page of this month Truly Rich Club stocks update. In this update. For this issue, Mike Viñas (a Corporate Accounts Officer and Relationship Manager at CitisecOnline) made some suggestions on How to Take Advantage of the Market, how to make it easier for us investors to participate in such a market.

Bro. Bo Sanchez also mentioned on the report:

"Don’t Interrupt the Compounding! 

If You Withdraw P50,000 Today, You’re Withdrawing P1 Million TomorrowOh, I know it’s tempting. 

When the stock market is growing sweetly (like now), it’s sooooo tempting to withdraw “just a little bit” for that new ladies’ watch. Or a Hong Kong vacation. Or a birthday party in Boracay. As much as possible, DON’T.

If you withdraw, you’re interrupting your compounding—the greatest mathematical force in the universe."

Mike also suggested four ways on how to take advantage of the market, to give you a glimpse, here's the first one:

"First, USE LONG-TERM MONEY. We expect to see a lot of volatility or sudden movements in price in the stock market. This is caused by the concerns regarding the relatively expensive prices of Philippine stocks as compared to stocks in other markets. Another driver of such volatility is the continuous threats from development overseas. Thus, as a protection, invest only the money that you will not need in the near term (tuition fee, medical bills, purchase of house, etc.). By doing this, you will not be forced to liquidate stocks at a loss assuming the market may undergo a correction during the time you need the funds. Therefore, simply select a comfortable amount that you can save and invest monthly or quarterly."

To have complete access on the full Stock Update Report every month, Decide Now. Be part and become a member of the Truly Rich Club and enjoy a first hand benefits of being a subscriber.

Join the Truly Rich Club. Now. :)

For more information about the Truly Rich Club, hit the get instant access button below.

The Truly Rich Club is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

Philippine Stock Exchange (PSE) Declares P9 Cash Dividend To Shareholders This 2013

Just sharing you this news related to Philippine Stock Exchange Inc. P9 dividend composed of P4.59 per share for regular cash dividend and P4.41 per share as special cash dividend. This kind benefits is a blessing for stockholders. 

I wish great companies in the Philippines continue to prosper so that everyone can enjoy the profits. Happy investing to everyone! :)

"The Philippine Stock Exchange (PSE) has increased its dividend payout to shareholders on the back of an improved performance last year.

In a disclosure, the operator of the country’s sole stock exchange declared a P549-million cash dividend at P9 per share, higher than the P7 per share payout last year.

Specifically, PSE will distribute P4.59 per share representing the regular cash dividend and P4.41 per share as special cash dividend. Sharehol-ders of record as of April 2 will receive the dividends on April 26.

Last year, it declared a regular and special cash dividend of P2.95 and P4.05 per share, respectively.

In 2012, PSE’s operations benefited from a surge in activities at the equities market."

"PSE generates its operating revenues from listing fees through initial public offers and additional listings.

The benchmark PSE index, which recorded 38 all-time highs on its way to growing 33 percent and closing at 5,812.83 last year, was the second best performing benchmark index in Asia, next only to the 36.3 percent climb of Thailand’s SET index.

So far this year, the benchmark index has recorded 23 all-time highs, with analysts expecting it to end the year near the 7,400 level amid rosy economic prospects, continuous corporate income growth and foreign capital flows."

PSE declares P9 cash dividend

Source: http://www.philstar.com/business/2013/03/15/919727/pse-declares-p9-cash-dividend

Interested in Stock investing in the Philippines?

Join the Truly Rich Club.

For more information about the Truly Rich Club, go to this link http://bit.ly/BoTRC or hit the get instant access button below.

The Truly Rich Club is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

COL Financial Technical Market Outlook for the 1st Half of 2013

For those with COL Financial account , here is a video of The COL Technical Outlook for the 1st Half of 2013 (19 February 2013). This presentation is entitled "Sunny with a Chance of Rain Storms", presented by Mr. JUANIS BARREDO (COL Chief Technical Analyst)


To view the full report, log on to www.colfinancial.com today. Call 6-515-888 to open an account now.

Interested in Stock investing in the Philippines?

Join the Truly Rich Club.

For more information about the Truly Rich Club, go to this link http://bit.ly/BoTRC or hit the get instant access button below.

The Truly Rich Club is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

COL Financial Fundamental Market Outlook for the 1st Half of 2013

For those with COL Financial account , here is a video of The COL Fundamental Outlook for the 1st Half of 2013 (19 February 2013). This presentation is entitled "Sunny with a Chance of Rain Storms", presented by Ms. APRIL LEE-TAN, CFA (COL Head of Research)

To view the full report, log on to www.colfinancial.com today. Call 6-515-888 to open an account now.

Interested in Stock investing in the Philippines?

Join the Truly Rich Club.

For more information about the Truly Rich Club, go to this link http://bit.ly/BoTRC or hit the get instant access button below.

The Truly Rich Club is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.

Philippines Stock Exchange PSEi Index - As of March 14, 2013

Philippines Stock Exchange PSEi Index - As of As of March 14, 2013 is now 6,672.91. We are down a bit, but nothing to worry. We in the Truly Rich Club community are committed to  invest in long run. I am happy to know that some of our favorite stocks included on SAM (Strategic Averaging Method) are still on the list of TOP gainer. Happy Investing to everyone.

When I checked the news related to Philippines Stock Market online, I saw these news. This is from businessweek.com and other from gmanetwork.com: continue reading....

Philippine Stocks Slump Most Among Asia Markets

"Philippine stocks fell for a fourth day, poised for the longest losing streak in three months, after valuations climbed to a nine-year high.

The benchmark Philippine Stock Exchange Index (PCOMP) sank 1.5 percent to 6,672.91 at the noon break in Manila, the biggest loss among Asian markets. The measure jumped 17 percent this year through March 11 on expectations the nation will win an investment-grade sovereign rating, interest rates will stay low and economic growth will accelerate. That pushed valuations to 21.9 times reported earnings, the highest since December 2003. 

Philippine Long Distance Telephone Co. (TEL), the biggest company by weighting on the index, dropped to a one-month low." - source: here

PSEi drops 1.53% in morning trade

"Philippine shares fell in early trading Thursday as the market enters the fourth day of correction on profit-taking in the absence of market-lifting news.   

The benchmark PSEi tumbled 1.53 percent, ending the morning session 103.65 points down to 6,672.91.   

The broader all shares index was down 1.03 percent or 43.62 points to 4,1750.45.   

All indices were in the negative territory, with the services sector dwindling by a hefty 2.31 percent.   

“There's already a drought of corporate and economic news, also the Holy Week vacation is coming within two weeks. With this back-drop investors opted to cash in on gains,” said First Grade Finance Inc. managing director Astro del Castillo. 

Philippine markets will be closed for nearly the whole of the last week of March for the Holy Week, a Christian holiday." - source: here.

The Truly Rich Club principle is to invest in the stock market in the long run or do it by long term investing. Not in a month, not in a single year, but 10 to 20 year or more. 

If the stock is turning down, I believe TRC members (including me) are rejoicing because we can buy stock in a cheaper price. Since we're doing it for the long term, I am not worrying if the stocks goes down as long as I am following the Strategic Averaging Method, no need to worry. 

"You’re neither right nor wrong because other people agree with you. You’re right because your facts are right and your reasoning is right – that’s the only thing that makes you right. And if your facts and reasoning are right, you don’t have to worry about anybody else." 

-Warren Buffett

So excited on the next Truly Rich Club Stocks Update. From this update (Aside from the news related to Stock Market Investing in the Philippines) I can see what are happenings on the market, specially on the selected company under the SAM strategy. 

Interested in Stock investing in the Philippines?

Join the Truly Rich Club.

For more information about the Truly Rich Club, go to this link http://bit.ly/BoTRC or hit the get instant access button below.

The Truly Rich Club is an online private membership group founded by Bo Sanchez. It’s called “Truly Rich” because the subscribers are taught not only to be financially free and wealthy, but also how to be blessed in ALL areas of life: whether in the relationships, career, spirituality, health, and of course in financial life.