The Boring Investment Principle


Once upon a time, Bro Bo Sanchez met a 25-year-old woman who said she has P100,000 in her bank account. Bo told her to transfer the money into the stock market—and add P3,000 every month.

By the time she hits 60, he told her, after tapping into the calculator function on his trusty phone— “You’ll have a cool P22 million—if you grew by a conservative 12 percent a year.”*

Bo was all excited talking about her future retirement money, but she interrupted him and said, “Bo, what if I don’t add P3,000 a month?” “Huh?” Bo looked at her quizzically.

She continued, “I’m not sure I can. There are so many things I want to buy. So what if I just invest my P100,000 now—and not add anything to it anymore? I’m sure that will amount to something, right?”

Bo did his computation in his trusty phone and showed it to her. “Instead of P22 million, you’ll have P5.2 Million. Only.” Her face dropped. “Oh. Okay, I’ll add every month.”

Wise girl. I hope you’re wise too. Investing one time-big time is what you call the Buy & Hold strategy. It’s good but it’s not great. You need the regular monthly investing to make the growth humongous.

Happy investing!

Would you like to invest in the stock market but do not know how? Go to this link to give you an awesome start. Let Bo Sanchez, the guy who taught his maids how to invest in the stock market, be your guide too!

*But if she followed our TrulyRichClub’s Strategic Averaging Method, I’m betting she won’t just get 12 percent—she’ll get more. Even if she just improves her average growth to 14 percent a year, her money won’t be P22 million, it’ll become P38 million.

Excited? Go to this link to know how.



Do You Know One of the Keys to Happiness?


I could not get a job after more than 300 job applications.

You really got nothing left to do after those rejections.

One of the flaws in the school system is that they did not teach us how to handle rejections. Being the nerd that I am, I think I was able to handle it quite well though.

How do I say I handled it well? I listened to audio books. And I stumbled upon this gem.

Apart from him being a stout Trumpian, I did not know that Scott Adams, creator of Dilbert, was a best-selling author as well. Guess I have overrated my nerdiness.

In his book How to Fail at Almost Everything and Still Win Big: Kind of the Story of My Life, he said given the choice between high income and job flexibility, choose job flexibility.

Scott says the latter is one of the keys to happiness. The former, is very overrated.

A few months after I found myself up at 2 in the morning, writing this. Because I followed that advice.

For some reason my creative juices pop between 11 pm to 4 am. If I hold a regular job, there is no way I could have taken advantage of that.

From where I live, 4 am is when you wake up. You need to be up early to avoid the more than 2-hour travel in rush hour traffic. Then sit in a prison cubicle for 8 or more hours, before heading home to endure another 2-hour travel.

The 4 hours wasted on the road could not be taken back. The writing made at 2 in the morning will last forever through clicks and reads.

If you opt to go through your Dilbert career experience do not join me in this event.

But if you wanted out, I can show you one of the keys to happiness.

So what have you got to lose? You are losing 4-hours daily in rush hour traffic anyway.

Join me in this event at the Ortigas Business District on Feb 11, Saturday.

Or you can just watch a movie. Your future. Your choice.

As Morpheus from the movie Matrix will tell you – You may either take the blue pill or the red pill.


Good Artists Copy, Great Artists Steal


Photo Credit: Factory at Horto de Ebro, 1909 by Pablo Picasso

One of the tenets of knowledge management, when I joined the field 10 years ago is “there is no need to reinvent the wheel.”

Great minds spanning from various centuries took a different spin to it. But the essence is the same.

Charles Colton, an 18th century English cleric, once said – “Imitation, is the sincerest form of flattery.”

One of the great artists of the 19th century, Pablo Picasso said – “Good artists copy, great artists steal.”

Fast forward to the 21st century when we were witness to the genius of Steve Jobs – “We have always been shameless about stealing great ideas.”

I am not sure which came first though – when Steve Jobs first said the above, or when my high school crew and I were a bunch of skinny 15 year olds.

A friend from high school, who is now a successful professional in the investment banking industry, has this mantra – “It is better to cheat than to repeat.” Our crew, shamelessly (albeit in hushed tones), has adapted this mantra, and we have built ourselves successful careers in consulting, medicine, and other industries.

The titans of industry call this – the imitation strategy. And let me “steal” this one, with permission, from Bro. Woody Quiroz, who shared this in one of his talks at the Feast.

“South Korea became an economic power by resorting initially to an imitation strategy. They eventually introduced innovations in their products that made it more superior than the products they imitated.

This is true in the case of Samsung which early on imitated the products of Sony and Sharp. By eventually introducing their own innovative ideas to their products, Samsung has overtaken Sony and Sharp to become a global leader in home appliances.”

Wow! In a macro perspective, copying do have an upside. (Pardon the economic terms, I am an economist by training.) In a micro perspective, I can tell you it does.

There was a time when I was in high school, during an exam, I copied 80% of the answers of my seatmate, who was my seatmate by design because he was our salutatorian. And you know how this story ends – I got a higher grade.

Going back to the Samsung story, the 20% was my “innovation”. The essay part of the examination has always been my strongest point. And I got a better score there than my seatmate. That is why I got the higher grade.

As what was shared by Bro. Woody at the Feast – “If you want to win, you need to copy winners.”

But, we need not copy mindlessly. We need to be smart about it.

“Do not copy proclivity, copy perspective. Do not copy personality, copy productivity.”

To end, copy winners – and create your own version of success!


Mornings be like


6:00am, on a cool December morning. I am at Taal Vista Hotel in breezy Tagaytay, overlooking the ridge. Taal Lake, the volcano, and sunrise is looming on the horizon.

Typical morning. Wake up. Say your prayers. Do your affirmations. Reflect. A wise man once told me that these (and mobile data) are one of the elusive keys to happiness.

Not that elusive at all – you can do it every day. But every day people wake up and unhappily drag themselves to work. (Guilty too!)

From the ledge I transferred to a nearby bench. If I do not hold my laptop the wind would blow it away.

The clouds are now giving way to a glorious sunrise. The rays blind my eyes, and I shift my gaze to the Ferris Wheel at Sky Ranch.

My nose twitch, I took a sip of my hot brewed coffee. And I type away.

In a few hours 7.4 billion people around the world would celebrate the New Year. One mass of land celebrating one hour after the other. Champagne popping, panties dropping (stole the latter line from a rap artist).

Resolutions are in vogue. Goals are set with dreams wanting to be realized.

Clouds, fog, whatever you call it, is about to hover over me. The person in a white shirt and orange walking shorts who is taking pictures of the sunrise tries to get away. But the clouds eventually envelope him. I sit still (payakap nga Lord!)

Humans are creatures of habit. A new year signifies new hope. Of new habits wanting to be systematized.

Our habits are the tools for us to engineer our happiness. We first make our habits, and then our habits make us.

Charles Dickens said “I never could have done what I have done without the habits of punctuality, order, and diligence, without the determination to concentrate myself on one subject at a time.”

Robert Kiyosaki, who co-authored a couple of books with President-elect Donald Trump coined the acronym FOCUS.

F – Follow
O – One
C – Course
U – Until
S – Successful

Hope you get to pick that one course for yourself for the new year.




Three out of five adults cannot swim. I am part of the non-swimmer statistic.

I do not know how to swim.

Interestingly two days ago, when the province of Batangas is under storm signal number 2 – my wife, my daughter, and I went freediving. On Christmas Day, during the calm before the storm, we were chasing fishes underwater and enjoying the sea.

Tomorrow would be my birthday. Much has happened during the past year.

There were lots of challenges, but there were also so many lessons learned.

The challenges came from various sources – those from the outside (other people, outside circumstances) and the thoughts inside my head. I found out that the latter was a more dangerous adversity.

It is true that we are our worst critic. It is true that we have the ability to put a noose around our necks.

It is also true that our inner world shapes our outer world. Unfortunately for us, there is both an angel and a demon inside of us. Fortunately, it is up to us who we would choose to listen to.

The bad news for me is I tend to listen to the demon inside. The good news is that for next year, I could choose to listen to the angel more.

I am still not 100% comfortable in the open sea. For the love of God I still could not do the survival float.

Being a non-swimmer, the road to being a certified skin diver appears to be a thousand nautical miles apart.

But the way I see it, it is just another challenge that has to be overcome. And I know that I have a couple more in store for me in the next year.

As I continue to reflect on the year that has passed, I noticed that the saying is so true – “We would be the same person a year from now, the difference will come from the people we meet and the books that we read.”

I wish that 2017 would be your best year ever. I hope that you would meet amazing people who will bless you and make you grow. I pray that you would pick the right book at your favorite book store that would give you the seed of thought to make 2017 your best year ever.

Happy New Year!!

Dr. Frankenstein’s Igor

Daniel Radcliffe, is best known for his work as Harry Potter, the boy wizard.

I most remember him though, in his role as Igor, in the 2015 movie Victor Frankenstein.


This happened 10 minutes into the film, when Igor was talking to Dr. Frankenstein. The former was telling the latter about his life at the circus.

Igor experienced so much cruelty in the circus – kicked, spitted upon, and locked like an animal. Victor was horrified as Igor relates the cruelty he endured in his life at the circus.

Igor replied – It is hard to judge cruelty, when you have never known kindness.

He has experienced so much cruelty in his life, that he has never experienced kindness. The only types of human interaction he knows off is grossly inhumane.

It is hard to judge cruelty, when you have never known kindness.

My friend Rebecca has a kind heart. I have known of her kind heart for more than 20 years.

But when smelly, filthy, street children approaches her asking for alms, her personality changes.

The kind heart suddenly becomes cold. She turns into one of the villainous witches in your favorite Disney movie.

Rebecca is one of the disciples of Louis Pasteur’s germ theory. She hates germs. She really hates germs. She really, really hates germs.

That is why I completely understand her personality shift when a 10-year old smelly, filthy, beggar approaches her.

So she shuns the 10-year old girl away. But the girl is persistent. “Ano ba? (What is wrong with you?)” as she angrily tells the girl.

For the 10-year old, in her reality, this is the only way for her to live. She needs every small change that she can get to be able to eat.

Rebecca, on the other hand, does not see the 10-year old girl. What she sees are the germs. What she sees is the filth, she does not see the humanity behind the filth.

Two realities, one event in time.

It is hard to judge cruelty, when you have never known kindness.

Would you like to help the 10-year old girl? You may help her and others like her through the Tahanan ng Pagmamahal Children’s Home.



The Not So Happy Path

You want people to experience the failure so they can reflect on it, and improve their performance the next time around.*

I once heard a wise man say that there are three ways to learn –
1. You learn from your mistakes
2. You learn from the mistakes of people that you know
3. You learn from the mistakes of other people. Which you get exposed to through books, podcasts, and in-person lectures

I often say in entrepreneurship seminars that the wisest way to learn are the last two. And 90% of the audience agree.

But the wisest way is not always the most effective – experiencing the failure ourselves could be the best thing that ever happened to us.

No wonder there are countless others saying they are graduates of The School of Hard Knocks.

The first time I heard this – I say to myself, “Now that is foolish” But as I could not sleep after hearing it, I am at my laptop typing this at one in the morning.

And as I reflect on the hats that I wear in my life, I realized that it is true.

My immature mindset and approach to marriage made my wife leave. She did came running back but that is another story 🙂

At 24 years young I forgot to apply the lesson I learned in school when I was 8 years old – That what every women wants is to have their way with men.

And I saw this sign at Tiendesitas 10 years too late.


Reflecting now, that failure made me better. The sting of going home in an empty house for three years made me say to myself that “next time, I would be a better man.”

As the late great Zig Ziglar said, “Many marriages would be better if the husband and wife understood that they are on the same side.

Now we understand.

Our marriage has not been a straight line of perfection after that. But we both came winners after that experience.

The next time you find yourself in the not so happy path, or maybe, you are now in the not so happy path 😦

If you are, I want you to sit back on your chair… Take a deep breath, and welcome failure as a good friend – He could be here to give you one very timely advice 🙂