Plant In The Spring Or Beg In The Fall
Do you want to prosper?
Then take this powerful message to heart: Plant In The Spring Or Beg In The Fall. It was Jim Rohn who said those wise words and I’ve never forgotten them.
Friend, life is always a choice.
God doesn’t force His plan of abundance to you.
You have to say YES to that plan of abundance if you want it.
Are you saying YES today?
Let me tell you the story of two Lolas (Grandmothers)…
The Story of Lola Penny
I have a friend who retired 7 years ago.
Let’s call her Lola Penny.
Actually, her real name was Lola Penang. She took a vacation in America, when she came back, she was now called Lola Penny.
Lola Penny is a widow with 4 children and 6 grandkids.
For 38 years, Penny worked as an accountant, crunching the numbers for her company. Because she was such a good accountant, she was promoted many times and became the manager of the entire department.
And she was earning very well.
But Penny told me that even if she was earning very well, she was living from paycheck to paycheck.
Which brings me to a very important principle: Income does not equal Wealth. It’s not how much you earn that makes you wealthy. It’s how much you invest from what you earn that makes you wealthy.
Yes, she saved some money. But like most Filipinos, she saved only for the big expenses: She saved to buy a house. She saved to pay for the schooling of the kids. She even saved for the wedding of the kids. But she failed to save for the biggest expense of all: Retirement.
Like many, she totally depended on the retirement package from her company.
When she retired 7 years ago, Penny got P3 million.
For the first year, it was heaven on earth.
Every Sunday, she brought her grandchildren to the mall to buy them toys.
And when her children needed money, they’d run to her.
“Mommy, can we borrow money to repair our car?”
“Mommy, we lack P20,000 for Junior’s tuition fee. Can you help?”
“Mommy, your apo (grandson) will compete in a swimming competition in Singapore. Can you pay for his plane fare?”
But very quickly, her money ran out.
After 7 years in retirement, Lola Penny was penniless.
This Isn’t Just A Story;
This Is Harsh Reality
Today, Lola Penny totally depends on her 4 children to give her money. But she knows that they have financial problems of their own.
One time, she overheard her daughter arguing with her Kuya (older brother) on the phone. What she heard tore her heart.
With anger in her voice, her daughter said, “Kuya, it’s your turn to give money to Mommy! I’m the one who takes care of her at home! I’m the one spending for her food everyday! And I’m the one buying her medicines. Last week, I spent P3000 for her meds! My husband is already complaining why we always don’t have money!”
When Lola Penny heard her daughter complaining, she began to cry.
The painful words she heard that day were like many knives stabbing her chest.
Lola Penny felt she was just a burden to her children.
And she wanted to die right there.
Here’s the irony: All her life, as an accountant, Penny was very good at managing the money of her company—but she never managed her own money.
This is not just a story.
This is harsh reality: According to surveys, 98% of people aged 65 and above are just like Lola Penny.
They depend on their kids, or they depend on their tiny pension, or they depend on charitable institutions, or they have to keep working—or they have nothing to eat.
Only 2% of people aged 65 and above are financially free.
Like Lola Pilar.
The Story Of Lola Pilar
You can retire in two ways.
You can retire like Lola Penny or you can retire like Lola Pilar.
Penny is a pseudonym. That’s not her real name.
But Lola Pilar is no pseudonym.
Pilar is my mother.
She is 85-years old.
Today, I give my mother a nice monthly allowance.
I do it not because she needs it, but because I need it. I need to show my love to her.
But in reality, my mother doesn’t need my money.
Let me tell you why.
Many moons ago, my mother worked in a small music store as a Cashier. Her salary was P120 a month. After working for 19 long years, she received a separation pay: A whopping P2000!
She invested that P2000 in the Stock Market.
The year was 1966.
And whenever she had extra money, she’d invest in very well known companies. My parents bought the stocks of giant companies of their time: San Miguel. Ayala. Etcetera.
My father retired at the age of 65. He passed away at 88. For those 23 years, my parents sold a portion of their stocks–little by little—for their big expenses.
After Dad passed away, Mom announced, “I’m selling all my stocks.” I was surprised that she still had P1 Million from that last sale—even if they were already withdrawing their cash from there little by little.
I asked her, “Did you sell everything?”
Mom said, “Yes, I did. Well, I left the crumbs…”
Crumbs?
“What crumbs?” I asked.
She explained, “Oh, I left the very little investments scattered in various companies. They’re very tiny. Nothing much.”
That conversation took place three years ago.
Just two months ago, I told her, “Mom, you’re 85. You better sell whatever you have left in the Stock Market. Yes, I know they’re crumbs. But just collect them anyway.”
She agreed. She called up her stockbroker and said, “Can you sell all the tiny stocks I have left?”
She was expecting P10,000. At most, P20,000.
But she got the shock of her life. The stockbroker told her, “Mrs. Sanchez, your stocks are worth P1.2 Million.”
Mom turned to me and said, “Bo, I’m rich!”
I told her, “Mom, you’ve always been rich. You just think you’re poor.”
Forty-five years ago, my mother planted P2000 in the Stock Market. And through the years, she planted little seeds of P50, P100, and P200 in giant companies.
Because she planted in the spring, today, she isn’t begging in the fall.
In her whole life, my mother never received a huge amount of money. She never inherited money. She never won the Lotto. She only built her wealth slowly.
Remember this truth I heard from David Bach: Wealth is not built in days; Wealth is built in decades.
There are two ways of retiring in life: Are you going to be a Lola Penny or a Lola Pilar?
God places the two roads before you.
Penny Poverty or Pilar Prosperity?
You choose.
God Says, “Plan Ahead!”
People today are living longer.
If you live until 90, will you have enough money for your needs? Or will you be depending on your kids?
God is telling you, “Plan ahead.”
Remember: No one plans to fail. We just fail to make a plan.
Jesus said, “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it? For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you, saying, ‘This person began to build and wasn’t able to finish.’ (Luke 14:28-30)
Today, think about the “tower” of your financial life.
God invites us to be like the ant. The Bible says, Go to the ant, sluggard; consider her ways and be wise; who, having no guide, overseer, or ruler, provides her food in the summer and gathers her food in the harvest. (Proverbs 6:6-8)
In other words?
The ant plants in the spring. So it won’t beg in the fall.
Plan To Be A Donor, Not A Donee!
Anawim is our home for the abandoned elderly. I built it some 13 years ago.
I know it’s a beautiful place. It’s so beautiful, some people tell me, “Bo, when I grow old, I dream of living there.”
No, I don’t want you to live there. That place is for the poorest of the poor. Old people who failed to plant in the spring and are now begging in the fall.
Don’t dream of being an Anawim resident. Dream of being an Anawim donor.
How?
The secret is in the next passage…
Don’t Borrow; Start Lending
Everytime I talk on finances, I ask the audience, “How many of you have debts?” The response is shocking. It was though I asked, “How many of you are human?”
Almost everyone has debts.
And Filipinos love the fact that they can borrow.
One woman told me, “I’m borrowing money from the SSS.” I asked, “Why?” She said, “Sayang if I won’t borrow.” (It would be waste.)
Huh? I don’t get it.
The Good Book says, For the LORD your God will bless you as He has promised you, and you will lend to many nations, but you will not borrow… (Deuteronomy 15:6)
Do you see what I see in that verse? It says that there are two signs that God is blessing you:
1. When you stop borrowing.
2. When you start lending.
Friend, stop borrowing. (Note: It’s okay to borrow for business; It’s not okay to borrow for your living expenses.)
Instead, start lending.
To whom will you lend?
99% of Filipinos “lend” to banks. How? You deposit your savings there.
But that’s not a good choice. The problem with banks is that they pay you a tiny interest of less then 1% a year.
I suggest you “lend” your money to others who can give you a higher return.
For example? Giant companies.
You can do that through the Stock Market or Mutual Funds.
If you really like banks, then don’t deposit your money in the bank itself. Instead, buy shares of the bank. Be an owner. How? Buy the stocks of Metrobank, Banco de Oro, Bank of the Philippine Islands…. Over a 20-year period, your returns will be much bigger!
The Universe Loves To Multiply
Do you want to prosper?
You need to learn these 6 important words from the Bible: Everything reproduces according to its kind.
A cat produces another cat.
A dog produces another dog.
I’ll be very worried if a cat produces a dog.
If that happens, the end of the world is near.
From my limited scientific knowledge, a cat produces another cat, a dog produces another dog, and a penguin produces another penguin. That’s just how God’s universe works.
The Bible says everything reproduces according to its kind. (Genesis 1:11) In fact, this line appears six times in the first chapter of Genesis. And you see it throughout the Bible.
When the widow of Zarapath gave Elijah her oil and flour, what did she get? More oil and flour. Not clothes. Not wood. But oil and flour.
When Jesus fed the multitudes, he did it by (Surprise, surprise) multiplying 5 loaves and 2 fish.
He didn’t turn stone into bread.
He didn’t turn stone into gold, and then bought bread.
He turned bread into more bread.
Jesus—the Son of the Living God—needed bread to reproduce more bread.
Why?
Because this is a principle that operates the entire universe.
Everything reproduces according to its kind.
If you want to prosper, you need to learn how to multiply the little money that you have.
In 1966, Mom invested her separation pay of P2000. 45 years later, that P2000 became millions of pesos. (By the way, 1966 was really a good year for Mom. Not only did she receive P2000, she also gave birth to her favorite son. Ahem.)
Learn to multiply the little money that you have and you will prosper!
My Driver Is Now Investing
In The Stock Market
Let me end with one last story.
Because of my bestselling book, My Maids Invest In The Stock Market, my Maids are now the most famous Maids in the world. (Haha!) Yes, they have been investing in the Stock Market for a year now and are doing very well.
But my Driver just started two months ago.
Reason: He’s a 33-year old married guy. He has 4 little kids. His wife is a full-time mom, so the entire family depends on his salary of P12,000 a month.
That’s not all. His extended family and his wife’s extended family depend on his generosity during emergencies. Which happens every time they breathe.
In other words, his P12,000 is feeding an entire village.
So how can he save and invest with all these expenses?
I didn’t force him.
Instead, I just let him listen to the stories of my Maids.
You see, every other week, I lead a small prayer meeting with our 3 Maids and Driver. And almost every meeting, my 3 Maids share how God is blessing their Stock Market investments.
I told my Maids that if they keep on investing the way they did last year, they’ll hit their first million in 7 years. That caught his attention. Finally, he said, “Ayokong ako lang ang hindi millionairyo! Magiinvest rin ako! (I don’t want to be the only one who isn’t a millionaire. I’ll start investing too!)”
Each month, he now sets aside P3000 of his salary for his Stock Market investments. And for the first time in his life, he has hope. He knows that he too will be a millionaire one day.
Today, when a relative or a neighbor begs for money, and he has no more money in his pocket, he can honestly say—“Sorry pare, wala akong pera ngayon.” (So sorry, I have no money with me now.)
Obviously, no one asks him, “Diba, may pera ka sa Stock Market?” (But don’t you have money in the Stock Market?)
No one knows about it. (Shhhhh!)
Note: By doing this, he’s also teaching them not to be parasites anymore. (But that’s another topic altogether.)
I’m very happy for him.
He’s 33 years old now. If he invests P3000 in the Stock Market each month at 12% until he retires at the age of 60, he’ll retire with P7 Million.
But analysts have backtracked the Philippine Stock Market’s history. If 20 years ago, you invested in the top 5 companies, your average growth rate would have been 20% per year.
So if my driver’s investments grow at 20% per year (especially with my guidance), by the time he retires, my driver will have P37 Million.
At P3,000 a month!
If you retire poor, it’s not God’s fault.
God is giving you a choice today.
Will you plant in the spring or beg in the fall?
May your dreams come true,
Bo Sanchez
PS. “Bo, can I be your maid or driver? So you can tell me what stocks to buy.” People tell me that all the time. Hey, you don’t have to be my Maid or Driver! In fact, every two weeks, I tell people what companies to buy in the Stock Market. How? Through my Stocks Update Newsletter. I send my Newsletter to all my TrulyRichClub members. (Like in my last issue, I gave them the name of 6 best giant companies projected to grow the fastest this year.) To join my TrulyRichClub and start receiving my Stocks Update (plus a truckload of other life-changing material), click here now!
Filed under: happiness, Dreams, Purpose, Wealth/Money, Blogs by bosanchez
Thank you Bro Bo for another inspiring message.
Your articles about investing really inspire us to save, invest and believe that our dreams will become a reality.
In fact, some of our dreams are becoming reality.
Big thanks, Bro Bo!
Elvin
i am interested to invest but i am scared..likewise i live outside the country. what should i do?
I choose to be like Pilar Prosperity.
Thanks for sharing another powerful article Bo.
Neil
This is really Amazing!
Thanks Bro. Bo. This is really inspiring. Maraming Salamat po.
thanks Bro. Bo for another inspiring message!!!
Hi bro bo,
Me and my wife is working on our finances and thank you for this timely reminder.
We choose pilar prosperity as our path to financial freedom.
God bless and thank you
Regards,
Lemuel
Life is always a choice.
God doesn’t force His plan of abundance to you.
You have to say YES to that plan of abundance if you want it.
Thank you Bro. BO
You are sooooo right, Bro. Bo. I’ve been investing in the stock market, and I even encouraged my brother to do so. We are both happy when we saw how much we gained. But one thing that I should still do is to invest regularly. I’m not doing that yet. =[ … but I will starting today. Thanks and God bless you more and more so that we will be blessed more and more also. =]
tnx u brother bo..God bless you more…..I owe you a million thanks
Thanks Bro. Bo!
I’ll be investing at the stock market soon!
God Bless!
Thank you so much Bo for all the wonderful teachings! We have started investing last January through the Truly Rich membership that we have, i hope we learned it early on… Nevertheless, we are looking forward to being millionaire retirees.
May you continuously bless the people around you!
Another inspiring post from you Bo. Bless You.
Thank you Bro. Bo for this.
God Bless.^_^
Bonjour Bro. Bo! Merci beaucoup for these very inspiring stories. May your tribe increase! More power and God bless always.
i’ve inspired the way mom pilar was doing with her separation pay. i want to invest in the stock market asap.
thanks bro. bo!
God bless!
Wow. very inspiring. I wish our parents did the same.
i like the story of Lola Pilar. 
Thank you so much for sharing another wonderful and inspiring article of hope and abundance! God bless you and your whole family!
hi bro… i just wonder…can we also invest in a stock market even thou we are from far province? recently i take your advice, im now lending some small money to those people who need a business capital with just a small interest…but i want to take chance in stock market but HOW? Need some advice…
thank you bro for inspire us always…
i want to be a millionare like you…
GOD BLESS
tnx bro. Bo…
YES for Pilar!
Go for investing in Stock Market…
PraiseGod!
Thanks Bo for teaching us financial wisdom. Just received your stocks update last week. Now I can start investing. In ten years time I’ll be retiring and am sure to retire a millionaire.
Thank you very much.
thanks bro bo…i think i need to start now.. how? pls help… such an inspiring story of getting much during retirement days….more power and god bless.
Thanks for the inspiration. God bless more the works of your hands..
thank you so much, bro. bo. i am super blessed!
i am afraid to invest in stocks because of the WORLWIDE TURMOIL - the possible war between SOUTH AND NORTH KOREA, LIBYA WAR, the middle east rift……i have to save first for my working capital where i can pull it out anytime unlike in stocks…is my fear founded?
thank you for that story, i need to save my money and invest for my future…..how and where will i invest my money, is it possible for me im from zamboanga city.
Thanks, bo. You make investing in the stock market sound so simple. Even your maids and driver does. I wish I could be forever a stock market investor so that I can do what I want with my time and not be solely dependent of employment for money. It has been exciting to know that you have become money conscious and is succeeding in it even if you did not study these things in school. Way to go Bo. I hope you continue sharing with us the secrets to your wealth. You help a lot of people. Me, I am still finding my passions. I kinda choosy gal when it comes to working. I would have loved to but the job market doesn’t seem to love me back. But I like my free time. I would like to become speaker too in the very near future if fate permits me. And a writer of books too. And I am working on this plan. I’ve been asking God and Mama Mary if she wants this. Coz I have started in career building with something that I really didn’t want. That’s why it was kinda difficult. When your dreams were a lot more possible when you were young, i tried but to no avail. Now that dream seems like far away. To be actor or filmmaker. I guess. God gives you chances one at a time. And all these years I ve looking at what i did. Mostly I would purchase finance books. But I have yet to earn my first bucks. It’s really been a challenge, a play, a deal. Unlike you, you are aligned to what you ought to do in life. And for me what’s super exciting is finding out what I really wanted to do in life and listening to God’s plans for me. It is a wonderful journey. I have taken care of my mom all these years. And now she is leaving to meet my sister. This is my opportunity to do something for myself and community like maybe start pursuing the things that I love or matter and affordable. And start working. Wish me luck, Bo. God bless. And the rest of the world.
Thanks Bro Bo I”ll start to invest now and thanks for your reminders and wonderful insights. God bless to you and your family
Hello Bro. Bo..
i really love to start a stock market but i don’t know how? and where to start?
pls help me thank you
Hi Bro,
If there is one thing I like about social network is keeping in contact with people like you. I am so much blessed by knowing you, reading your article and books. I bought your books and gave it as gifts to my friends.
I am so much blessed with your health habits articles.
I am a teacher and your articles provided me more wisdom to share to my student. I really wish to see you in person. The family had already invested in the stock market.
God bless you and more power.
Very inspiring Bro. Bo. Thank you so much. Hope to invest soon. Just need to learn more about it. Thanks for the information and inspiring stories. God bless u more!!!
Thanks, Bro. Bo.
My interest in stock market was fueled by your e-book My Maids Invest in the Stock Market. Now, i have the “Save First” attitude. During payday, i transfer money thru internet banking to my COL account (it’s that easy). I am very happy with my investment. At times when i get pressured in my work, i go shopping but not in malls but in the stock market.
God bless always.
Bro bo maraming salamat sa palaging pagsend sa akin ng iyong soulfood everyday. It inspire me especially now that i am struggling with my boyfriend. I want to commit suicide last night but I prayed to God for strength and healing. Thank you Bro Bo.
This is quite inspiring Bro Bo. Let’s invest go go go!!! Thanks for endorsing the financial literacy seminars here in Bangkok Bro Bo through FB. Please pray that lots of OFWS will be blessed by this coming seminars. I’m so excited to go home to meet you at THE FEAST! See you Bro Bo…
If you have family or friends here in Bangkok please share this info about the FINANCIAL LITERACY SEMINARS here in BANGKOK!!! Please schedules below.
MARCH 12, 2011 - Saturday
Venue: Sathorn Park Place Condominium Conference Room - 3rd Floor
27/2 South Sathorn Road Near Sukhothai Hotel,
Behind Banyan Tree Hotel. Same drieway as Metropolitan Hotel
Host: Maria Rufli
Time: 1:00 PM - 4:00 PM
MARCH 13, 2011 - Sunday
Venue: Mary Help of Christians Church
Krungthep Kreeta, Srinakarind Road
Host: Father John Tamayo , SDB
Time: 1:00 PM - 4:00 PM
For more details please contact Rachel
0853-570-579 or email rjdd_1509@yahoo.com (Bangkok, Thailand)
Benj 09209021217 (Email: richbenj.santiago@gmail.com)
Fely 09175000917 (Email: fely.santiago@gmail.com)
Everytime i read your stories it enchance my spiritual needs. I will take all your advices and hopefully someday i will commit my dreams.GODBLESS!! and more power to Bro Bo.
Bro, Bo,
I really wanted to invest inthe stock market, but how? please help me
Dear Bro. Bo,
Thank you for another inspiring article! With prayers, my wife, me and my parents will save so we can invest like the way you do..God bless you and your family always!
Much love&prayers,
Hutch
Bro. Bo,
Thank you for the inspiring article. I would like to try investing but I don’t know how. Currently, I’m working as an OFW here in Middle East. Hope you can reply to my message.
Thanks and God Bless,
Lyra
salamat sa Diyos at nandiyan ka bro Bo na nagbibigay ng aral sa amin kung papaano namin mapangalagaan ang aming mga kinikita habang may pagkakataon pa. PAGPALAIN KA LAGI NG POONNG MAY KAPAL sampo ng iyong pamilya. To God be the highest glory!….AMEN…….
Wow! Bro Bo its really inspiring. I’d wanna like to join the same with your maids and driver. How Bro. Bo? Thanks and God Bless…
Thanks Bro. Bo like Lyra I’m currently working here in Middle East but I would like to invest in the stock market so that I’ll be like Lola Pilar when I retire.
We’re waiting for your reply.
bro how can we do this? please help us on how to invest in those stock market and mutual funds.. TIA. Godbless u always Bro. Bo.
thanks bro. bo for reiterating the importance of investing.. im so blessed i got to know you early thru your books.. then i attended your seminars.
im 34 this month, and wanted to retire at age 45.. as of now, my husband and i are on our 3rd year of investing in the stock market (to be exact 2years, 6months). i never thought stock market is easy if your a long term investor.
for OFWs reading Bo\’s blog, you can also start investing in the stock market. visit this site to know more http://fortune-at-stockmarket.blogspot.com/
or email me for more info.
You may also join the club which I joined 1 or 2 years ago. I can\’t remember… what I can only remember are the blessings this Club showered unto our finances.
Hi Bro. Bo,
Why is it that lately, I’m not receiving your stock update maybe 3 months now. I have checked my status, I am still very much active in paying my truly rich club membership.. Please check and also “Gods whisper” letter stopped also. Thanks and God bless.
lani
Hi Bro! Your truly amazing… You’ve changed a lot of lives..its makes us strong to face life..Thanks for your wonderful story and advices..
God Speed…
Annie
hi bro. Bo,
Every week i was waiting for the message you sent. for it inspires me & gives me wisdom that i also used in handling our youth in the community.
I’m an employee and have a little business. selling anything that i can sell in the office. my husband always encourage me to invest in stocks but i’m always afraid of the outcome of stock market, coz there’s an instance that when i invest in some company their stocks always went down and so the result LUGI. twice ot thrice that happen and said to him that i dont want again to invest, but my husband is always eager. and now i was convinced again by you & wanted to ask some help for us to be a lola pilar prosperity someday…. what is the best way we can do about it?
hoping,
MJ
your insights in financial matters are very commendable…as shown in the comments of your readers..however, it was not as I have expected since the title of your blog is “soulfood”. honestly…it barely touches my soul (just a humble suggestion to rethink the title of your blog)… .. forgive me if i say that you are quoting scriptures just to support your topic thoughts…unlike before when you proclaim God’s word for its real message and wisdom (and support it with your profound insights)… I maybe bias on my comment but just ignore it if you find my opinion unreasonable…
Hi bro,
I am still young but full of dreams and through your messages sent to me, my mind and heart are now determined that if I choose to prosper in life,I will plant a seed. It really strengthen my faith to God inspite of my imperfections.
Through time and with God’s will, I hope i can be like you (successful) even just a bit. 
I am already a member. But my problem is I really don’t know what to do - how to invest? who do I contact? Im an ignoramus when it comes to stock markets. Please help me.
thanks brother bo, ive seen you speak on the trp seminar last april or may 2010 and you are truly amazing….hope to learn more from you, many thanks and god bless you and your family
I have no income right now but soon i will invest too in mutual funds. I building right now my financial blueprint so that I have a goal in my mind. I’m beginning to plant seeds for my financial education. Thank you for inspiring us with your wonderful article. ^_^
why not talk about salvation once in a while? why always about money? i know people will say “we will use it for good”, but that’s not what the people need. we need assurance in the after life. this life is temporary
anyway, sorry for this but Bo is twisting the stories in the bible
Luke 14:25-33 is NOT ABOUT TOWER OF FINANCIAL LIFE. read the whole story. it’s about… (the title speaks for itself
The Cost of Discipleship
25Now great crowds accompanied him, and he turned and said to them, 26“If anyone comes to me and does not hate his own father and mother and wife and children and brothers and sisters, yes, and even his own life, he cannot be my disciple. 27Whoever does not bear his own cross and come after me cannot be my disciple. 28For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? 29Otherwise, when he has laid a foundation and is not able to finish, all who see it begin to mock him, 30saying, ‘This man began to build and was not able to finish.’ 31Or what king, going out to encounter another king in war, will not sit down first and deliberate whether he is able with ten thousand to meet him who comes against him with twenty thousand? 32And if not, while the other is yet a great way off, he sends a delegation and asks for terms of peace. 33So therefore, any one of you who does not renounce all that he has cannot be my disciple.
Deuteronomy 15:6 is Old testament therefore the words there are for the Israelites, indeed they were blessed
THE REAL GENESIS 1:11 “And God said, “Let the earth sprout vegetation, plants yielding seed, and fruit trees bearing fruit in which is their seed, each according to its kind, on the earth.” And it was so.
this is about CREATION, plants and trees bearing fruit and seeds according to their own kind. HOW DID THIS BECOME MONEY / UNIVERSE MULTIPLYING? IT IS VERY DIFFERENT FROM WHAT BO POSTED. IT WAS CUT SHORT, THE REAL ESSENCE WAS GONE, THE WORD PLANTS/TREES WAS CHANGED TO EVERYTHING
Jesus feeding the multitudes, so it was a miracle by the son of God. Jesus needed to make a miracle to make them believers and He gave them what they need only not abundance, the food were just enough for the people.
bo said “He didn’t turn stone into bread. He didn’t turn stone into gold, and then bought bread. He turned bread into more bread.” just to prove that this is not the “principle that operates the entire universe”.. at the wedding in Cana of Galilee, Jesus turned WATER INTO WINE. He did not make wine into more wine.
proverbs 6 is about “Warnings Against Folly”. check your bibles. see if anyone is feeding you REAL soul food.
true, everything produces after its own kind,, first of all Genesis 1 is about CREATION, second its about LIVING ORGANISMS. how can this verse talk about money? not even symbolical for it. money cant reproduce by itself, if we can use this verse for anything producing after its own kind, then a cellphone can produce another cellphone.
I also wanted to invest in the stock market. How to get things started as I am an OFW. I’ve been working for years now in abroad but still had no single penny saved..,=(
thanks bro. bo…gusto ko sanang sumubok sa stock market kaso wala talaga ako idea, sana matulungan mo din ako gaya ng maids at driver mo bro. bo…gusto ko din kase bro na magaya kay lola pilar…
bro bo! i have been inspired from ur words everytime i open my email. Im looking forward that i can able to comprehend the movements in stock market
Bo said “The Good Book says, For the LORD your God will bless you as He has promised you, and you will lend to many nations, but you will not borrow… (Deuteronomy 15:6)
Do you see what I see in that verse? It says that there are two signs that God is blessing you:
1. When you stop borrowing.
2. When you start lending.”
I SEE A CHOP CHOP VERSE. here’s the whole verse
“For the LORD your God will bless you, as he promised you, and you shall lend to many nations, but you shall not borrow, and you shall rule over many nations, but they shall not rule over you.”
kaya pala pinutol kasi it talks about Israel talaga. not for individual persons but for a whole nation. Deuteronomy is from the Old Testament therefore the message in it is for Israelites
Today, I give my mother a nice monthly allowance. I do it not because she needs it, but because I need it. I need to show my love to her. -Bo
thats love? money = love? more like glutton for money. if I give you a toothbrush, and you have a lot of it, sure enough you dont need, is that love? i think love means giving what someone else needs not what he/she already have.
Wow amazing story….I always have a plan to be a Donor, not a Donee….hoping my dreams come true…
Thank you Bro Bo God bless!!!!
blessings bro.bo,
i want to be like pilar but i dont know how to start?please guide me,,,
thanks and God bless…!
it’s been my dream to be a big-time donor! i’ve just started my business and it just keeps on getting better! thanks much!
http://justhangontogod.blogspot.com/2011/03/having-fun-with-my-business.html
Amazing article…thank you Bro Bo. My wife and I started investing in Mutual funds, sooner we’ll be starting to buy Stocks too, we commit ourselves to become Millionaire because it’s one way of extending our love even more. We truly deserve abundance, it’s all around us, we just need to open our eyes…..God Bless Us All.
dear bro. bo tnx for your reminders.id like to be a member of your trulyrichclub and be like lola pilar or your maids and driver. but i’m afraid how since i’m living in other country at baka mapunta sa wala ang pera ko dahil naloko na ako ng mga insurance til now wala pa akong natanggap. ang aking asawa ay ayaw ng pumayag na magtiwala sa ganyang bagay.please help how can i invest kasi hanggang ngayon wala pa kaming ipon. please reply me.thank you once again and may God bless us all-
i want to be like lola Pilar but I dont where to start
can u pls help me how can i start to invest in stock market
w/ my little salary
I’m just also earning a 13k a month and it is just enough to support my wife and daughter
Great article bro. Bo, I also want to be like Lola Pilar, our family is facing a major problem right now, my mom in law is sick wid stage 4 lung cancer, please include her in ur prayers bro bo, her name is Rosario Nacar Jaguit more power to u and God Bless
dear brother bo,
i am interested but i don’t any stock brocker & now, i can’t afford to pay the seminar which will teach us on investing or what…very expensive for me at this point…how can you help me get in touchwith a sane stockbroker…thanks!
godbless bro bo.
i think i need to start now.. how? pls help…
Good day !
True, it’s good to prepare for retirement — but not to be so engrossed in it like it is the end of it all ; like it’s the only goal of our endeavors. Why ? — For there is still a Life waiting beyond this earthly state ; a life Everlasting ! The older the person gets, the more conscientious he becomes to labor for his Salvation . For the days are fleeting fast , and is getting shorter . Like the wick of a candle, it burns the wax nearer to its base.
I guess, the older one gets, the more he realizes that he doesn’t need anymore the surplus / or the luxury that he is used to , as long as the basic / essential things are being met.
Relationships replaces things the older one gets. I’ve seen this situation among the elderlies in the facility. It seems they’re only counting the days, the hours, the minutes, when their sons and daughters gonna visit them again. For them, that’s the only treasure in life there is that is left , next to their love for the Almighty .
Do not wait for retirement to enjoy living. Retirement occurs at any age , when you live life well to the fullest , happily in the Lord.
Be Happy All !
Have a Blessed Ash Wednesday !
Thanks Bro. Bo and family !
hi Bro. Bo,
I heard about the seminar that you will be conducting this March about investing in the stock market. Are there still slots? Where can we buy tickets? Thanks! God bless you!
What a very inspiring message! You are indeed a messenger of God! Believe it, i’m investing now to stock market. Thanks Bro Bo!
Hi! Bro Bo,
I choose to be like Pilar.Thanks for this wonderful article I was so inspired. I’ll be joining soon your trulyRichclub.
Godbless!
thank you Bro.Bo…i passed the board Bro bo..thank you God for everything..
Dear Br. Bo,
I am one of your followers at the Feast in PICC. Last year, there were 5 of us (family of 6, my eldest son was already a Christian then) attending to the happiest place on earth, The Feast. This year there are still 5 of us attending the Feast but this time my mother-in-law, a recruit, replaces my daughter. My daughter joined her brother to the Church of God (the only Church of God that believes in Mother of God) that worship on a Saturday (as what they claimed is written in the bible and not a mere tradition that we, Catholics practice). Our poverty: my family is now separated when it comes to days of worship and manner of worship. Please enlighten me and your followers on this matter. I wish you would be able to schedule in one of your teachings in the feast about “A Family Struggling for FAITH”. Also enlighten me of Sun God which according to them is being worshiped on a Sunday and Christmas season. God bless Us and your noble deeds. Amne
To all who are afraid to invest in the stock market: According to the book My Maids Invest In The Stock Market, you shouldn’t be afraid to invest. Warren Buffet’s secret to success is to be greedy while everyone else is afraid. So take “advantage” of the economical crisis by heeding Warren Buffet’s advice.
Ric Almeda,
Sabbath is an Old Testament law. The Sabbath command was to do no work on the Sabbath day (Exodus 20:8-11), Nowhere in Scripture is the Sabbath day commanded to be the day of worship. it is not really a law but a gift so that man can rest.
Mark 2:27 Then he said to them, “The Sabbath was made for man, not man for the Sabbath.”
In Colossians 2:16-17, the apostle Paul declares, “Therefore do not let anyone judge you by what you eat or drink, or with regard to a religious festival, a New Moon celebration or a Sabbath day. These are a shadow of the things that were to come; the reality, however, is found in Christ.”
Romans 14:5 states, “One man considers one day more sacred than another; another man considers every day alike. Each one should be fully convinced in his own mind.” These Scriptures make it clear that, for the Christian, Sabbath-keeping is a matter of spiritual freedom, not a command from God
When did the early Christians meet? Acts 2:46-47 gives us the answer, “Every day they continued to meet together in the temple courts. They broke bread in their homes and ate together with glad and sincere hearts, praising God and enjoying the favor of all the people. And the Lord added to their number daily those who were being saved.” If there was a day that Christians met regularly, it was the first day of the week (our Sunday), not the Sabbath day (our Saturday) (Acts 20:7; 1 Corinthians 16:2). In honor of Christ’s resurrection on Sunday, the early Christians observed Sunday not as the “Christian Sabbath” but as a day to especially worship Jesus Christ.
Galatians 2:16 know that a man is not justified by observing the law, but by faith in Jesus Christ. So we, too, have put our faith in Christ Jesus that we may be justified by faith in Christ and not by observing the law, because by observing the law no one will be justified.
hi brother bo! this is my first time in Truly Rich Club. I plan to invest in Stock Market through CitisecOnlne. I only invest P2500 (like yaya and kuya driver) every month. Among the top 6 companies you mentioned (MBT, AGI, EDC, NIKL, ALI, and DMC) what shoud I choose? I need your opinion. Pls reply. Thanks Brother Bo! trust in you
none this time
i think this is my first time to comment on kuya bo’s story.. i don’t know if what really the message is but one thing to reflect is i should be investing more praying time for my future spiritual health..thanks kuya bo..
oh brod bo, my wife started buying a stock market at this month in ayala land,its great. and next month we started invest a mutual fund…just because of ur inspired messages send me every week and i really like to read.that was my favorite spending time here in saudi. god bless. dansoi. riyadh,saudi.
Thanks BRO. BO!!! mwaahhh
Sir Matthew,
Thanks a lot for sharing those Scriptures about the Sabbath. I went over to your other comments and how some of Bo’s followers react on them. To put all your comments and those that made comments on yours, I think that all of it will equate to the love of God. I’m one with you when you said that Br. Bo should make big emphasis on SALVATION. God bless po!
good day bro!
thanks for all the updates
GOD BLESS YOU!!!
hi bro Bo,
how can Invest to stock market? I want to invest, how can i and what will i do? im here in Iloilo now and i decided to invest to stock market….i can invest from my salary..
somebody can tell me how?
thanks and GOD BLESS YOU ALL!
Dear Bo,
Thank you for keep inspiring me in your article. I need that for my life right now because I am now jobless pregnant, always thinking what, where and how to earn for our daily needs. Hehehe…
Thanks once again and More Power!
Hi Bo,
Thank you for the inspiring articles…
More Power…
Bro. Bo,
Thank you so much for your very inpiring series of talks. I am now applying the Rich people formula of 10-20-70. It was so amazing to give first the 10% tithis to the Lord, and because of that i received more blessings not just in financial but also in some other areas of my life. By being faithful in tithing, it’s no longer a Law but really a LOVE to share with..
God Bless you more Bro.Bo.
May you bless more people thru the 1000 FEAST all over the World!
Hi Bo, thanks for sharing with us for free your practical soulfood for successful people. In the midst of our daily busy schedule it gives nourishment and inspiration as well as practical insight on how our life should be spent in the here and now.
Thanks brother Bo for your wonderful teachings.
“Meeting” you is such a blessing.
More power!
Bro. Bo,
Right now we’re experiencing of “debts” i hope one of these days. i can be part of TRULY RICH CLUB! and start investing in stock market!
good day bro bo, is it not too late for me to invest just now? i am 50 y/o now… please reply bro bo, and if its not, please teach me how to make a right start… thank you.
Matthew,
If you can kindly do so, can you tell who you are, what you are doing for a living, what your objectives/motives really are.
You can answer my questions , if you would like, here:
rob_real1602@yahoo.com
That’s my personal email address.
Thank you Po Tito, for the best article.
how I join the company or investing instead my salary is very low, I can say that its not enough for daily lives.
Hi Bo,
May the grace of God be with you today! I’ve been enjoying receiving your Soulfood emails and being a member of TrulyRichClub since November 2010. I’m a stay at home Mom (2 daughters 15 and 19) and I’m living in Canada. I have a sister living in F.Manalo just a few blocks from Chicago st. whom I stay with when I come for a visit. I just want to know how can I invest if I am not living in the Phils.?
My sister, Imelda, will be 60 this month, has a heart condition (weak heart muscles) and is undergoing dialysis 2x a week. She couldn’t have a fulltime job because of this but is active in the ICP parish through the Legion of Mary. I would like to be able to help provide for her future. How can I make this program work for us? I would appreciate your prayers of healing for my sister (to make her heart muscle stronger so she can undergo a kidney transplant) and guidance in this new field we want to venture into.
Thank you for your faithfulness and love for our God! It is a source of inspiration to me. God bless! Hope to hear from you soon!
Sincerely,
Maribel
tnx bo 4 a very inspiring article. i really learned a lot from u.anyway, my mother who is working in our province is about to retire.please help us how to invest in the stock market. i really dnt have any idea. i also personally wants to invest in the stock market but sad to say having a meager income i cannot continue my membership in your truly rich club. i was once a member of it but i stop cause i cannot cope up my finances. but with God’s grace if il b receiving my midyear bonus from my employer am going 2 invest in the stock market as well. so please teach us.tnx in advance.
I feel so bless. And happy to be a member of the Truly Rich Club. Thank you Bo. Indeed, there is hope for everybody. And nobody is doomed to fail. God is great all the time. You are a blessing to all Filipinos Bo. So generous to share your knowledge to us. Keep on growing, inRICHing and inspiring all.
Hi My Beloved Bro. Bo,
Wow so amazing topic about ” Planting in the Spring and Beg in the Fall “. I would really invest in Truly Rich PInoy Club this June 30, 2011. I would start buying stocks too, and become a millionare someday by Gods grace and donate a three millions someday to our mininstry, IN Jesus Mighty Name. Amen. And above all, I would like to be your Mom ” Lola Pilar ” and your Maids and Drivers with the great grace of our dear Lord. Amen. God bless you abundantly Bro. Bo in Jesus Mighty Name. Amen. Keep your great burning desire to spread the great love of God to us. Stay Healthy and Handsome.
To Matt and to all who wants to invest in stock market
you can email me at zelskiesweetie@yahoo.com. I am willing to help you guys. My friend is working at COL and I can refer you all to her.
To all your success
Liezel
Hi Bro.
It’s very inspiring and after reading your story I am now interested to invest in stock market but I don’t know how? I’m here in Singapore working as a Staff Nurse and I want to be a Billionaire when I retire, I hope its not too late…Pls.help and guide me…thanks in advance..I hope you will take time to answer my queries…God Bless.
this is inspiring. but in stock market, more often than not, greed comes in the way, as a result, losing more than gains. stock market is a legitimate way to gamble, don’t you think? i’m moving to fixed income sources.
Dear Brother Bo,
thanks again for this inspiring story.
i want to be like lola Pilar. I’d like my family to prosper.
I am a government employee and my husband is an OFW, i want the botth of us to retire a millionaire. Presently i am a member of Truly Rich Club, i registered because to want to be like you or at least to be like your maids and driver. I’d like to learn to invest in the stock market, but i dont know how to do it. could you help me with this? thanks and God bless.
I wanted to enroll in the trulyrich club but I don’t think it is safe to put personal and credit card details as it is not “https”?
Thank you.
Bro. Bo, you’re so inspiring, you’re such a good writer and a good investor. I definitely would love to invest in the Phil. with your help. I’ll be interested to do an investment through someone like you who’s heart and soul is for the good of others, their families and themselves. I do believe in the love and blessings of God for His good works has touched me all the time. I am rich with friends through work and mostly volunteering and I would like to help my self and others my age to become self sufficient financially in our old age which is 8 years from now. What do you suggest is the best investment I can go for at this point and time? Thanks and I hope to hear from you soon.
Hi! Can I call you bro bo too. I feel so blessed since I first read your very inspiring messages. I believe it’s God’s way of blessing me. i love to read your emails, they’re so touching and informative. They give rich lessons specially in spiritual aspects. Thanks! You’re so generous in sharing your knowledge. I wish I could be one of the members of your Truly Rich Club someday.
God bless and may you continue to be a blessing to everyone!!
No excuses at all, creating wealth is simplified. It’s a matter of execution, finding a mentor and faith. I failed because I lack both the mentor and faith.
You’re simply gifted and a blessing to everyone Mr. Bo
hello sir bro!
another 1 that all of us are inspired by ur article..
Now, i m planning to invest in stock market.
But, how can i make quiries in stock market? By the ways, i m
from the province Butuan.
emmz
ANG kinaroroonan mismo ng tradisyunal na stock exchange o palitan ng stock ay parang isang magulong palengke. Mahiwaga (sa isang tagalabas) ang mga senyas ng kamay na ginagamit, may kodigong mga mensahe sa mga electronic ticker na lumilitaw at mabilis na nagbabago, at ang mga naroroong broker o ahente na namamagitan sa pagbili o pagbenta ng ari-arian ay humihiyaw upang marinig sa maingay na kapaligiran.
Gayunman, maraming tao ngayon na dati’y nalilito sa stock market ang namumuhunan sa mga stock. Bakit? Una sa lahat, nagawa ng Internet na makita ng mga mamumuhunan sa loob lamang ng ilang saglit ang pinansiyal na mga balita, payo sa pamumuhunan, at ang mga stockbroker. Ganito ang isinulat ni Paul Farrell, punong-patnugot ng Wall Street News: “Para [sa indibiduwal na mga mamumuhunan], ang pamumuhunan sa Internet ay ang bagong larangan para sa pag-unlad, ang bagong paghanap ng biglang-yaman, ang pagkakaroon ng sariling pagpapasiya, taglay ang pagkakataon na makatayong mag-isa sa pinansiyal habang nagtatrabaho sa bahay.”
Sa kabilang dako naman, ang ilang pinansiyal na tagapayo ay nangangamba sa kasabikan ng marami na mamuhunan sa isang pamilihan na maaaring wala silang kaalam-alam. Ganito ang sinabi sa Gumising! ng isang negosyante sa pamumuhunan na may mahigit nang 38 taóng karanasan sa industriya ng mga panagot (securities): “Parami nang paraming tao ang bumibili ng mga sosyo o parte sa stock market bilang mga nagbabaka-sakali, hindi mga mamumuhunan. Maaaring tawagin ito ng ilan na pamumuhunan, subalit wala silang kaalam-alam tungkol sa [stock ng] kompanya na kanilang binibili at ipinagbibili.”
Anu-anong salik ang dapat mong alamin bago mo ipuhunan ang iyong salapi? Yamang may bahagyang panganib na nasasangkot sa pangangalakal ng mga stock, ito ba’y pagsusugal? Una muna, isaalang-alang natin kung paano tumatakbo ang stock market.
Pagbili ng Isang Parte
Kailangan ng mga kompanya ang kapital, o salaping puhunan, upang ito’y tumakbo nang matagumpay. Kapag umuunlad ang kompanya at nangangailangan ng malaking halaga ng kapital, maaaring piliin ng pangasiwaan nito na mag-alok ng stock nito sa publiko. Ganito ito inilalarawan ng isang giya tungkol sa stock market: “Ang mga stock ay mga parte o sosyo sa korporasyon. Kapag bumibili ka ng mga stock, o parte, nagiging kaparte ka ng kompanya.”
Sa isang pamilihan sa kalye, nagtatagpo at nangangalakal ang mga bumibili at mga nagbebenta. Sa katulad na paraan, ang palitan ng stock ay isang pamilihan para sa mga bumibili at nagbebenta ng mga stock. Bago magkaroon ng palitan, ang mga stock ay ikinakalakal sa pamamagitan ng mga broker sa mga kapihan at sa mga tabi ng kalye. Ang kalakalan sa ilalim ng punong buttonwood sa 68 Wall Street ang humantong sa pagkatatag ng New York Stock Exchange. Ngayon ay mayroon nang mga palitan ng stock sa maraming bansa. Sa anumang araw ng negosyo, anumang oras, may stock market na bukás saanman dako sa daigdig.
Upang mangalakal ng mga stock, karaniwang nagbubukas ng kuwenta ang isang mamumuhunan sa isang broker at pumipidido. Sa ngayon ang mga pidido upang bumili o magbenta ng stock ay maaaring gawin sa telepono, sa Internet, o sa tao mismo. Pagkatapos, ang broker ay kailangang pumidido alang-alang sa mamumuhunan. Kung ang stock ay ikinakalakal sa isang tradisyunal na kinaroroonan mismo ng stock market, inuutusan ng tanggapan ng broker ang isa sa mga broker nito na naroroon mismo na bumili o magbenta ng stock para sa mamumuhunan. Mga ilang taon lamang ang nakalilipas, lubusang ginamit ng ilang palitan ang isang elektronikong sistema ng pangangalakal, kung saan maaaring gawin ang kalakalan sa loob lamang ng mga segundo pagkatapos pumidido sa isang broker. Ang kalakalan ay saka iniuulat sa alok na halaga ng stock—ang kasalukuyang presyo at mga detalye sa kalakalan na makikita sa isang electronic ticker.
Ang presyo ng pagkakabili o pagbebenta ng mga stock ay karaniwang pinagpapasiyahan sa pamamagitan ng pakikipagtawaran, gaya sa isang subasta. Ang mga balita sa negosyo, mga kita ng kompanya, at ang mga pag-asa sa hinaharap ng isang negosyo ay maaaring makaimpluwensiya sa halaga ng stock. Ang mga mamumuhunan ay umaasang makabili ng kanilang stock sa mababang halaga at maibenta ang kanilang parte na may pakinabang pagkatapos tumaas ang halaga nito. Ang isang parte ng tubo ng kompanya ay maaari ring hatiin sa mga kaparte bilang mga dibidendo. Ang ilang tao ay bumibili ng mga stock bilang pangmatagalang puhunan; ang iba naman ay regular na nangangalakal ng mga stock, na umaasang tumubo mula sa mga presyo ng stock na lubhang tumataas sa loob ng maikling panahon.
Habang ang kalakalan ng mga stock ay tradisyunal na ginagawa sa telepono, ang on-line na kalakalan (pamimili at pagbibili ng mga stock sa pamamagitan ng Internet) ay lalong nagiging popular. Ang The Financial Post ay nag-uulat na ang bilang ng on-line na kalakalan sa Estados Unidos ay “dumami mula sa halos 100,000 sa isang araw noong 1996 tungo sa halos 500,000 sa katapusan ng Hunyo [1999] na halos 16% ng lahat ng kalakalan sa Estados Unidos ay ginawa sa elektronikong paraan.” Sa Sweden, mga 20 porsiyento ng lahat ng kalakalan ng stock ay ginawa sa Internet.
Mamuhunan Nang May Katalinuhan
Ang waring madaling kalakalan ng mga stock sa pamamagitan ng computer at ang pagkakamit ng impormasyon na dati’y para lamang sa mga broker at propesyonal na mga mangangalakal ay nag-udyok sa maraming indibiduwal na mamumuhunan na pumasok sa day trading, ang buong-panahong pamimili at pagbebenta ng mga stock. Iniwan ng ilan ang kapaki-pakinabang na mga karera upang maging mga buong-panahong mangangalakal ng mga stock. Bakit? “Maliwanag ang pang-akit,” ang paliwanag ng magasing Money. “Walang mga amo, may ganap na kontrol sa kung paano at kailan ka mangangalakal at ang potensiyal—o sa pakiwari—na magkaroon ng maraming pera.” Isang 35-anyos na lalaki na nagbitiw sa kaniyang $200,000-isang-taon na trabaho upang mangalakal ng mga stock sa bahay ay sinipi na nagsasabing: “Mayroon pa bang ibang hanapbuhay na walang imbentaryo at walang mga empleado, walang upa na babayaran, at papindut-pindot ka lamang sa isang keyboard?”
Ang mga eksperto ay nagbababala na ang kalakalan ng mga stock ay hindi madali na gaya ng palagay ng isang bagong mamumuhunan. Ganito ang sabi ng isang saykayatris na espesyalista sa mga kaigtingan ng kalakalan: “Ang kalakalan ay waring madali, subalit gusto kong sabihin na ito ang pinakamahirap na paraan upang kumita ng madaling pera.” Ang walang-katapusang daloy ng pinansiyal na mga balita at payo ay mayroon ding masasamang epekto. Ganito ang sabi ni Paul Farrell, na sinipi kanina: “Ang walang katapusang pagpasok ng impormasyon na simbilis ng kidlat sa bawat mamumuhunan—kapuwa sa indibiduwal na mamumuhunan at sa nangangalakal na institusyon—ay may malaking epekto sa isipan: nerbiyos, kabiguan, kaigtingan.”
Maaari ring maging isang silo ang sobrang kumpiyansa. Ganito ang babala ng kolumnista sa pananalapi na si Jane Bryant Quinn hinggil sa mapanganib na mga saloobin ng mga mangangalakal: “Iniisip mo na kung ikaw ang nasa posisyon ng pangangasiwa—o ang kumokontrol ng mouse ng computer—walang masamang bagay na mangyayari. Lagi kang maaaring mamagitan sa tamang panahon.” Sabi pa niya: “Dahil sa mapapasok natin ang mga impormasyong ginamit ng mga propesyonal, iniisip natin na tayo rin ay mga propesyonal.” Sa kabila ng malawakang nailathalang mga kuwento hinggil sa mga mamumuhunan na yumaman sa stock market sa loob ng magdamag, ang kalakalan ng mga stock ay may kaakibat na mga panganib. Ang ilang mamumuhunan ay naging lubhang matagumpay. Ang iba naman ay nalugi nang malaki.
Ang mga tagapayo sa pamumuhunan ay humihimok sa potensiyal na mga mamumuhunan na isaalang-alang ang dating rekord at ang mga pag-asa sa hinaharap ng isang kompanya, ang pangangailangan sa mga produkto nito, kompetisyon mula sa ibang mga negosyo, at ilan pang mga salik bago piliin ang stock ng isang kompanya. Ang impormasyong ito ay karaniwang makukuha sa pamamagitan ng mga stockbroker at ng iba pang institusyon sa pananalapi. Maraming mamumuhunan ang sumasangguni sa pinansiyal na mga tagaplano bago bumili ng stock. Sa pagsasaalang-alang sa pinagmulan ng isang kompanya, makatitiyak din ang isang mamumuhunan na ang kaniyang pera ay hindi gagamitin upang tustusan ang isang negosyo na labag sa etika.
Isang Loterya ng Korporasyon?
Dahil sa mga panganib na nauugnay sa stock market, ang pagbili ba ng stock ay katulad ng pagsusugal? May nasasangkot na panganib sa halos lahat ng pinansiyal na pamumuhunan. Ang ilang tao ay bumibili ng mga ari-arian, nang hindi nalalaman kung ang halaga ng ari-arian ay tataas o bababa sa paglipas ng panahon. Idinedeposito naman ng iba ang kanilang pera sa bangko at nagtitiwala na ang kanilang mga naimpok ay magiging matatag. Bagaman mas masalimuot ang stock market, ang isa na namumuhunan sa mga stock ay bumibili ng mga parte ng isang kompanya sa pag-asang uunlad ang negosyo at tataas ang halaga ng mga stock.
Ang gayong pamumuhunan ay naiiba sa pagsusugal sapagkat ang mga kasosyo ay bumibili ng isang parte ng kompanya. Ang mga parteng ito ay maipagbibili sa ibang tao o maitatabi para sa pag-unlad sa hinaharap. Hindi ganito ang kalagayan sa isang tao na tumataya ng salapi sa isang pasugalan o sa isang laro na sapalaran. Malamang, hinuhulaan ng sugarol ang isang di-tiyak na kalalabasan at nananalo sa mga ipinusta ng mga talunan.
Gaano kalaking panganib ang dapat tanggapin ng isang mamumuhunan? Nasa bawat isa ang pagpapasiya. Sabihin pa, hindi matalinong isapanganib ang mas maraming salapi sa isang pamumuhunan kaysa sa handa niyang ipalugi.
Isang Timbang na Saloobin sa Salapi
Sa pagnanais na maglaan para sa kanilang mga pangangailangan sa ngayon at sa hinaharap, ang ilan ay nagpasiyang mamuhunan sa stock market. Ang motibo ng isa sa paggawa ng gayong pinansiyal na mga pagpapasiya ay mahalaga. Si Jane Bryant Quinn, na sinipi kanina, ay nagsabi: “Ang mainggit sa masuwerteng mga tao ay maaaring mag-udyok sa atin na magkaroon ng pinakamasamang motibo bilang mga mamumuhunan.” Waring inuulit ng mga salitang ito ang payo na ibinigay sa isang liham na isinulat sa isang binata mga 2,000 taon na ang nakalipas: “Yaong mga determinadong maging mayaman ay nahuhulog sa tukso at sa silo at sa maraming walang-kabuluhan at nakasasakit na mga pagnanasa, na nagbubulusok sa mga tao sa pagkapuksa at pagkasira. Sapagkat ang pag-ibig sa salapi ay ugat ng lahat ng uri ng nakapipinsalang mga bagay, at sa pag-abot sa pag-ibig na ito ang ilan ay nailigaw mula sa pananampalataya at napagsasaksak ang kanilang mga sarili ng maraming kirot.”—1 Timoteo 6:9, 10. (9 Gayunman, yaong mga determinadong maging mayaman ay nahuhulog sa tukso at sa silo at sa maraming hangal at nakasasakit na mga pagnanasa, na nagbubulusok sa mga tao sa pagkapuksa at pagkapahamak. 10 Sapagkat ang pag-ibig sa salapi ay ugat ng lahat ng uri ng nakapipinsalang mga bagay, at sa pag-abot sa pag-ibig na ito ang ilan ay nailigaw mula sa pananampalataya at napagsasaksak ng maraming kirot ang kanilang sarili.)
Kung paano gagamitin ng isang tao ang kaniyang pera sa pamumuhunan ay isang personal na desisyon. Ginagabayan ng isang matinong pag-iisip at pagiging kontento sa mga pangangailangan sa buhay, makabubuting ilagay ng isang mamumuhunan ang pinansiyal na mga pagkabahala sa dako nito, anupat hindi pinababayaan ang kaniyang mga pananagutan sa pamilya at mga espirituwal na pangangailangan.
Maraming salamat po sa inspiring na message.
I am really interested to invest sa stock market, pero di ko alam kung paano..could you help me, Sir Bo.
Thanks and more power to you.
This one was really inspiring. We need to learn from other people’s experiences too. It’s always good to keep something for the rainy days. We should always learn the sense of saving money. Life is short. We have to make a choice now. Thank you Bo! You are one of God’s blessings to us. More power!
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This is it! After being lazy for months…I’m investing in stock markets.
hello, my mom owns stocks from petron and PNOC which she bought in 1970s. Now, she can’t even remember how many stocks she is holding. If she wants to sell, where can she get the information on how many stocks she has and how can she sell.? Hope you can shed light on this.
to janette from singapore,,,
i will be there on june 4 to june 6, if you want i can meet you up and lets discuss about your plan…i can share some concepts with you pra naman pag retire mo eh billionaire ka na!
anyway, you can email me at deppesteves@yahoo.com
for our fellow kababayans here in the UAE, if you want to learn more on Mutual Funds and other investments in the Philippines, you can contact me at +971 55 1058619 or you can email me at deppesteves@yahoo.com.
How to invest po sa Stock market Bro. Bo? Thanks
You great Bro Bo, your so very very good! Thank you very much! God bless you…
maraming salamt bro bo 4 sharing all of ths with millions of your followers..love to read your article very realistic!!.you are helping us to be wealthy not just spiritualy but also financialy.i wish i can be like your driver & maids too..pls help me how to start investment in stock market..dnt know have idea stock mrket!
Thank you so much Bro. Bo for inspiring me.