RETIRE HAPPY & FREE

RETIRE HAPPY & FREE  A Practical Guide To Financial Freedom & Joy In Your Golden Years DEDICATION: To Rex Mendoza, who had been instrumental in our full understanding and appreciation of investing and protection, and the required behavior in investing in the Mutual Funds. To Noel Arandilla, Bart Borja and Dr. Joen Delas Peñas of IMG- International Marketing Group who gave us easy access to invest in Mutual Fund Companies thru Rampver Financials. To Bro. Bo Sanchez who had made sure that our pursuit to material wealth is grounded on Holy purpose. To the Truly Rich Maker Team all over the world, who had vigorously and passionately helped us to spread the mission of helping people save and invest properly. To Reuben James, Felise Charmaine, Raphael Christian, and Francene Chiara; our dearly beloved children for whom we strive hard to leave our inheritance behind. To Almighty and ever loving God who continually showered us with strength of mind, body, and spirit, and clarity of...

INTRODUCTION: This book is a personal story of Benj and Fely Santiago. The contents of this book are intended for information purposes, and reference only. It is unique to the background and experience of the Authors. It is intended to give advice on how to invest, and guide on what financial products you need to buy. But, it doesn’t guarantee same or even better results that the authors had achieved. Each person have unique situation, and needs. Everyone must consider all the options she or he may get into. It is the hope of the author to inspire people to invest correctly based on solid financial foundation. The author of this book, and all other people mentioned in this book made sure that the information are correct as of the date of publication. However, there is no guarantee or warranty as to the completeness, and accuracy of all the information on a continuing basis. The author of this book expressly disclaim liability for errors or omissions in the information shared in this bo...

SO HOW do we start? What should we do? What are the STEPS and PRIORITIES? I believe that is what you also want to discover. But let me share our story before we get into it. Fely and I had started to invest in the 90’s. We invested in real properties, in stocks but we failed to achieve our financial goal? Why? Because we did not define clearly our PURPOSE for investing, WHY are we investing? What is the investment for, how much should we accumulate, and what is the target date? In investing, the PURPOSE or GOAL defines the Investment Vehicle to use.  In the past we simply invest for no particular reason. When we learned right investing, Fely and I now invest for a purpose or a particular financial goal. We made sure too, that we have a Complete and Solid Foundation through a Complete Investment and Protection Strategy.  Foremost of these purpose for investing and protection are what we term as HIDEE.  H is for the Healthcare needs: Both the Short Term and Long Term Health...

Goals without ACTIONS is simply a DREAM. In the First Chapter we have defined the PRIORITIES. To make it a reality we must do something. And the very first thing to do is CREATE a BUDGET. When we attended the Seminar of Brother Bo Sanchez, we learned the Pay Yourself Principle. Actually the complete version is PAY GOD AND YOURSEL FIRST! Allocate 10% of your INCOME to Tithes. We believe that when you GIVE you will RECEIVE. . Then allocate 20% for your FUTURE. This is the target allocation for your Investments and Protection. Then make sure that you do the right budget management of the 70% for your Needs and Lifestyle. Budgeting is a fundamental aspect of personal financial management that ensures individuals can meet their financial goals, manage expenses, and build wealth over time. Among the various budgeting strategies, "Pay Yourself First" (PYF) stands out as a powerful and disciplined approach to securing one's financial future. This method prioritizes setting aside ...

With a clear goals backed up by a defined budget, we can then proceed to start INVESTING. And so we need to get familiarized with the different options we can take. Investing in the Stock Market has two general ways: Direct and Indirect Approaches. Before we thought there is only one way which is to buy stocks from a broker. Then we learned there are practically two ways. One that will need your due diligence to study and asses what companies to invest in, and another way is to simply get Mutual Funds that are managed by professionals. I would liken these two ways of getting into stock market into traveling to your desired location. Your first option is to ride a taxi or Uber or any transport for hire to pick you up and bring you to your desired destination. This is simply having someone doing the driving for you. The other option you have is to simply drive yourself to your place of destination. In both cases you can arrive to where you want to go.  Investing in the stock market i...

I know how it is to be really working hard for the money. And it pains me to see people like you lose their opportunity to make your money work for you. You may also be working for Multi-National companies as Managers, an OFW or a Seafarer. And you earn very well but that maybe is all you know! You earn from your jobs but don’t know how to really make your money work for you. You probably do not know how to invest correctly. Or, you may be investing without a coach or a guide, improperly, and not solidly founded on a purpose and plan. I want you to achieve the highest returns for your investments. I know it is your goal to be able to increase your money line so that you can have money working for you in your retirement years... It is also our PURPOSE … our MISSION to HELP you invest successfully... You may have a lot of FEAR about investing because of your lack of knowledge or you may have been a victim of a scam that makes you wary of anything to do with investing. Or maybe, you simpl...

Millennials referred here are those that have ages between 21-35 years old. They comprise more than 50% of the total population of the Philippines as of 2017. If you belong to this group, you have a totally different situation, and needs a different approach into investing. Actually, you are the luckiest bunch of investors. You have the luxury of time. Time is your greatest asset. Millennials are highly connected in the internet. They are on-line most of their time. They are exposed to interesting travel spots, updated gadgets, and places to eat. Search engines in the net exposes them to many spending opportunities. They would normally hop from one job to another. Most of them, plan to marry in their early 30’s.  Most millennials go by the by-line “YOLO- You Only Live Once”. Thus, they enjoy their freedom and spend most of their income on food, travels, and gadgets. Investing for them takes the back seat. They simply want to enjoy life. However, these millennials are gifted with ti...

You Can't Be A Seafarer For Life! How Should You Prepare for a Happy Retirement? Seafarers are highly paid. They have a yearly renewal of contract that last as short as 4 months to as long as one year. Most usual, high ranking officers get on board for 4 months, while low rank seafarers go on board for about 8 months every year. They have to go through training and certification each year to get promoted to the next level to increase their rank and pay. They usually, have healthcare only when on-board. Some even have coverage for their extended families. Some don’t. They don’t get paid when they are not on-board or under training. They have to pay for their own Training and Certification. They don’t have 13th month pay. They also don’t have retirement pay. They usually invest on properties, cars, and huge houses. These are what makes them different from most profession. These are the reasons why, they need a different approach into investment and protection. The advantage of seafar...

Are  You Gen X? How Should You Invest to retire early but wealthy and happy? Generation X are those people who are sandwiched between the needs of their parents, and the needs of their own children. They still support their parents, and they support their own family. I know a lot of them who are OFWs who try their luck abroad as DH-Domestic Helpers, Caregivers, Nannies, Teachers, and Professionals. They work abroad to earn more so that they can provide more to the needs of those whom they leave behind in the Philippines. They are in Saudi Arabia, Dubai, Israel, Japan, Vietnam, Malaysia, Singapore, and Hong Kong. They normally don’t have retirement pay, and most don’t intend to stay long abroad. They simply plan to work for 5 to 10 years and then go back for good. They are our heroes. They sacrifice a lot by staying away from their families, so they can provide for them. Most of them earn more than double of what they can earn in the Philippines. A DH can earn as much as 25,000Php i...

Are You Prepared for Happy Retirement? Retirement Planning ideally starts when you start with your career or business. However, in most cases, like us, planning for retirement takes the back seat. It emerges back when we are actually about to retire, or forced to retire in our 50’s. Government workers have better retirement pay. They enjoy above average pensions. On the other-hand, Employees from private companies is mandated by law to receive 1 month per year of service as lump sum and about 10-15K per month of pension on average. More often than not, these are less than what retirees need for maintaining their lifestyle. When people retire, their challenge is how to manage their retirement money. They do not invest their money but spend it in fixing their homes, replacing their old cars and travelling the world which they were not able to do before they retire. Their situation is much like a “Lotto Winner” with so much cash in their hands that they get so excited to spend it on thing...

Nothing happens if you don’t execute what you learned. Knowledge is good but applied knowledge is better.  These are key lessons we have learned and executed that enabled us to have a “Happy Retirement”. We need to start defining our BIG WHY – HIDEE and executing the right strategies and actions to achieve the GOALS (Our BIG WHY’s).  We need to make sure we follow a Simple Budgeting System (10-20-70) to make sure we have money allocated for our Goals (HIDEE). And we should get into the right investment vehicles that will bring us to our desired goals. Keep attending seminars and financial literacy classes so you get updated on what’s the latest trend. And more importantly start your investment journey early. Maximize the power of compounding interest and do it consistently with pre-defined goals. Get a coach and do your best to spread the IMG Mission to help families create wealth and move everyone from spenders to savers to investors. We can be instruments of abundance for al...

They Thought I Was Crazy When I Told Them That I Have An Investment Strategy  That  I Start-up Direct and Indirect Stock Investing and Protection For Less Than 9999 Php... PLUS: I Can Add On As Low as 20PHP! I want to help you to happily retire with continuing cash flow that will provide for your needs today and beyond your retirement years. I know how it is to be financially burdened retiree as I have witnessed so many retirees struggle and burden their children with their needs. I want you to unlock your retirement income. It is our PURPOSE and MISSION... You may be feeling insecure and uncapable for you have very meager income, or you fear that you are not knowledgeable and capable to get into proper investing. I know the feeling because I had been in that situation. But there is HOPE. Simply contact us via email at Coach Benj Santiago or access our Website: WWWTheTrulyRichMakers.com  I Want You To Be A Successful Investor And Retire With Continuing Income

SEVC- Marketing Director- International Marketing Group (IMG). Founders and Head Coach/Trainers of the Truly Rich Makers Team. Wealth Circle Advisers. Heartland Institute of Financial Educators (USA)- HIFE, Certified Financial Educator MVP# 1 of IMG for 2015-2019!  Former PICC Feast Financial Mentoring Ministry Head: educating people build a solid financial foundation. Involved in keeping families together, and helping families achieve financial independence. Most sought after Speakers of Seminars on How to Get Out of Debts, Increase Cash Flow, and How to Save and Invest Safely and Correctly. Author of "Risen From Debt", “Debt Destroyers”, "Business For Happy Retirement"