GET YOUR DREAM CAR

HEXCITING OPPORTUNITY

You have a chance to get your DREAM CAR and MORE while doing business as usual. 

HOW TO LOAD AND USE HAPPYPLUS CARD

Please take note that transfer from your paybux account to your HPC takes 24 to 48 hours. You will receive notification once the transaction is complete. After receiving the notification go to the counter and request for HP TRANSFER.

If you go to the counter before receiving the notification then you cannot use your HPC because the transaction is still pending. Even if transaction is successful but you have not requested for HP TRANSFER then you also cannot use your HPC because the points have not yet been transferred.

If your HPC is new you must load it first with P100 at the counter to activate it. You can only transfer from paybux to HPC after activation.



WATCH THIS VIDEO FOR STEP BY STEP TUTORIAL

A POWERFUL PRAYER

This is a prayer that needs to be shared to everyone.

Indeed each one of us are God's co-creators and stewards of the abundance of the world He created for us. Our God is a God of prosperity, wealth and abundance. He wants us to share in His joy and the abundance of His creation. It is His plan to prosper us. 

It brings back to memory the following verses:

Matthew 25:14-30English Standard Version (ESV)14 “For it will be like a man going on a journey, who called his servants[a] and entrusted to them his property. 15 To one he gave five talents,[b] to another two, to another one, to each according to his ability. Then he went away. 16 He who had received the five talents went at once and traded with them, and he made five talents more. 17 So also he who had the two talents made two talents more. 18 But he who had received the one talent went and dug in the ground and hid his master's money. 19 Now after a long time the master of those servants came and settled accounts with them. 20 And he who had received the five talents came forward, bringing five talents more, saying, ‘Master, you delivered to me five talents; here I have made five talents more.’ 21 His master said to him, ‘Well done, good and faithful servant.[c] You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ 22 And he also who had the two talents came forward, saying, ‘Master, you delivered to me two talents; here I have made two talents more.’23 His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ 24 He also who had received the one talent came forward, saying, ‘Master, I knew you to be a hard man, reaping where you did not sow, and gathering where you scattered no seed, 25 so I was afraid, and I went and hid your talent in the ground. Here you have what is yours.’ 26 But his master answered him, ‘You wicked and slothful servant! You knew that I reap where I have not sown and gather where I scattered no seed? 27 Then you ought to have invested my money with the bankers, and at my coming I should have received what was my own with interest. 28 So take the talent from him and give it to him who has the ten talents.29 For to everyone who has will more be given, and he will have an abundance. But from the one who has not, even what he has will be taken away. 30 And cast the worthless servant into the outer darkness. In that place there will be weeping and gnashing of teeth.’

Have a blessed Sunday everyone. 

AWESOME GAME TOWARDS WEALTH

Great wealth comes from excellent financial education. It is the ability to see opportunities, to use other people's money (OPM) to make more money and to know how and in what to invest in.

But attaining solid financial education comes with a cost - time. Time is valuable than money. Money lost can still be gained but wasted time cannot be recovered. One must invest time obtaining financial education.

However there is a fun way of learning. This is through playing. That's right, by playing you learn along the way. This cool game gives you an insight into the different ways you can invest, the risk attendant to each type of investment and the profitability these investment bring. I am talking about the CASHFLOW. This is a game developed by Robert Kiyosaki. One of the brilliant investor and financial educator who build his empire from ground up. He is a self-made millionaire who is willing to share his experience and knowledge on how to make people rich.

Download this game and see the amazing world of money making. 

FUND YOUR PAYBUX

You may fund your virtual wallet/paybux account by either of the following:

OPTION 1: Contract your ICON for direct transfer: leonardoonline101@gmail.com

OPTION 2: Fund it directly through bank deposit. 

                      After depositing go to paybuxsupport.com and fill-up the payment form shown below. Do not forget to attach your deposit slip.

Now your on your way to steady stream of passive income and great wealth. The key to financial freedom is passive income. Earning revenue even if your are just eating, watching movie, or sleeping on a lazy day. 

REGISTER NOW!!!

paybuxapp.com#linker/leonardoonline101

  

EARN WHILE YOU SPEND VIDEO

Watch this video to learn more.

PART 1 VIDEO CLICK HERE

PART 2 VIDEO CLICK HERE

REGISTER NOW!!!

EARN NOW

EARN WHILE YOU SPEND. GET BACK AS MUCH AS 100% OF WHAT YOU SPEND.

I came across this wonderful system by accident. I got curious and tried it. And it delivers more than I expected. Yes it is true. You earn while you spend and get back as much as 100% on certain purchases.

The idea of getting back a big chunk of what you spend sounds incredibly ridiculous to me then. But since I'm a curious cat I tried it. Anyway it cost nothing. ITS FREE.

It is basically an APP (Android App) that you can download for free. You use this app to reload your favorite merchant reward cards. Instead of using cash to buy the product, simply reload the rewards card and use that card to make the purchase.

By using this app to reload your rewards card you can get us much as 100% payback on what you spend.

Wait... There's more. You get earnings also from purchases made my others who are using the paybux platform. 

Interested? Register now. It is FREE after all. There is nothing to lose but much to gain. 

paybuxapp.com#linker/leonardoonline101

WHAT I LIKE ABOUT REAL ESTATE

There are few things I like about Real Estate (RE) Investment. First, it is a genuine passive income with competitive returns. Second, it works well with inflation compared to paper investment (bonds, stocks, CDs and the like).

One. RE is truly a passive income generator. It gives you rental income with minimum management effort required. This income generated provides higher returns especially if properly leveraged. What I mean by this is that if you finance the acquisition of the RE by borrowings the rate of return on your own money is high. 

Let me illustrate. Suppose you are buying a RE worth 1M. A bank is willing to finance 60% of the value of the RE at 12% p.a. (At present you can even borrow as low as 6% p.a.) That means your own equity in the purchase is 400k. Now this property is being leased for 15k a month. Lets do the math. Your total annual interest expense for the loan is 72k (600k x 12%). Your annual gross rental is 180k (15k x 12 months). This gives us a net cash flow of 108k a year. Therefore it gives you a return on your investment at 27% p.a. (108k/400k). 

Second. RE increase in value as inflation rise. As cost of materials, labor and overhead in construction increase, the value of RE increases. Now going back to the previous example. Assuming the loan has been paid in full after 20 years. Say annually property prices increase at 6% (Range in the Philippines is 5% to 10%) and the inflation rate is 4.9% (August 2014). On the 20th year the the property for which your equity is 400k is now valued at 3.2M. The present value is 1.2M (3.2M discounted at inflation rate for period of 20 yrs) . You therefore gain 800K (1.2M - 400k) on top of your net rental return of 27% p.a. 

What is good (for wise investors) today is that interest rates are low. Philippines as an emerging market is attracting investors, thus money is flowing in. The ability to leverage your return is significantly high today. There may be adjustments or corrections on interest in the future but what is important is that you position your self correctly to take advantage of the favorable economic realities. 

RULE OF 72

This is a useful tool for investors, businessmen and savers.

Rule of 72 estimates the number of years your money will double given a fixed interest rate. We compute by diving 72 by the interest rate or desired return.

Consider the following example. If you place your money in an investment or certificate of deposit (CD) having an interest rate/return of 4% p.a., that means your money doubles in 18 years. If the rate is 8% then it doubles in 9 years and 6 years when the interest is 12%.

So if you are an investor deciding where to put your money, you will be able to calculate roughly when your money will double. This can guide you estimating the growth of your money.

Typically, people place money in CDs because it appears to be safe. It is covered by deposit insurance and therefore secured. However, armed with knowledge on the Rule of 72 you will see how much your money can grow in a CD. If the inflation overtakes the return on your CD then saving money in your bank is a sure way to lose it. 

Let's say you put your 100,000 on a CD with 4% p.a. interest. On the 18th year it will be 200,000. But can your 200,000 buy the same things you can buy with 100,000 18 years ago? If the answer is NO then you never gained anything at all but lose some of your money. The value of your 200,000 is less than your 100,000 18 years ago. 

We will talk about inflation sometime soon.

Be a wise investor.

FREE INSURANCE

The best things in life are free.

One important step towards financial freedom is protection. Life insurance protects your family in the event of death. Many of our small entrepreneurs today do not have insurance. If he dies his family is left with little to no money to take care of the funeral expenses. Assets are sold and the family is forced to borrow.

Good thing is that Barugan Foundation Inc., in line with its advocacy to help small entrepreneurs, is giving away FREE INSURANCE. Entrepreneurs are also taught how to save for their family's future.

On top of this awesome give away, a stand by loan is available in the event of emergency.