I received an email promoting a seminar. The seminar promises something fantastic – it promises that you can actually attract wealth. It further promises that the seminar was able to produce the most number of millionaires in less than 21 days. Amazing? Not really, it’s garbage.

We are plagued by so many of these quick-rich, attraction and power of the mind rubbish and the sad part is so many of us are duped into thinking they will work. Best-selling books, sold out seminars, and packed conferences all over the world have been perpetuated by people to make us think that there is a short cut to achieving our dreams and becoming wealthy. Here’s my question — if this is really true, there would not be any poverty in this earth anymore, wouldn’t it?

I’ve seen some people follow this insanity with cult-like behavior and it scares me. Some of them realize quickly that these things are ludicrous; unfortunately others stick to this sham for so long and by the time the realization sinks in, precious time has passed.

In my book, there are only 2 short-cuts to becoming wealthy. One is to inherit wealth while the other is to marry wealth. The only other way to becoming truly rich is through hard work and discipline – with the grace of God. I often refer to my all-time favorite reference for everything, the Bible. Want to be rich? Proverbs 14:23 (NIV) says “All hard work brings a profit, but mere talk leads only to poverty”. You want to have a real role model of prosperity? Check out the ants — “Go to the ant, you sluggard; consider its ways and be wise!” (Proverbs 6:6, NIV)…

Catch part 2 !

“If money is your hope for independence, you will never have it. The only real security that a man can have in this world is a reserve of knowledge, experience and ability.”

— Henry Ford

This is the company I run along with Efren Ll. Cruz.

This award is a blessing from the Lord… to God be all the glory!

Taken from the Philippine Star (July 21, 2009)

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RP financial adviser gets award
Updated July 21, 2009 12:00 AM

MANILA, Philippines – US-based foundation Personal Finance Employee Education Foundation (PFEEF) has named the Personal Finance Advisers Philippines Corp. (PFAPC) as the first international best provider.

The non-profit charitable foundation identified PFAPC as a high quality provider of workplace financial programs to employees. PFEEF shares research, resources, and best practices demonstrating that profits increase by providing employees easy access to resources to reduce personal finance distress and improve financial well-being.

PFAPC is headed by Efren Ll. Cruz as chairman and chief executive officer and J. Randell Tiongson as president and chief operating officer.

Both Efren and Randell are registered financial planners from the RFP Institute based in Ohio, USA. Efren is also the bestselling author of “Pwede Na! The Complete Pinoy Guide to Personal Finance” and “Pwede Na! The Complete Pinoy Guide to Retirement and Estate Planning.”