The Financial Secret Part 1

www.emagica.com March 30, 2020

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

For God and all the people who have participated in my training and personal growth.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

ABOUT THE BOOK The Financial Secret is a fantastic novel in the form of a story, which deals with personal finance written

by Rodrigo Pellecer Benavides; conceived at the end of December 2017, after a critical moment that he had to live; He applied for a job at a call center an a telephone agent asks him a question: How do we make money and be financially well?

The author, to answer the question, creates a fantastic scenario where a mentor, who represents him, teaches a finance course. The mentor has a different mode of teaching: through advices, questions, and activities imparted by guests, who share their testimony with the aim that the students find answer to the question posed by the telephone agent.

A fantastic finance story awaiting you!

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

INTRODUCTION In December 2017, after finding myself in a complicated situation being the co-founder of a successful business, I was bankrupt financially, and without having resources I decided to apply to a Call Center where I was given the opportunity to enter.

In the English training classes, we had to talk with our coworkers. On one occasion, I was assigned to an agent who asked me: “How can we make money and be well off financially?"

At that time I did not know what was the answer, although I was an entrepreneur and a business administrator and had studied economics and finance classes.

I didn´t had a clear answer to this question. I thought about the answer and I still have the piece of paper that I wrote the agent explaining how I thought he could do money.

The original copy is attached at the end of the book. Below I present a diagram that represents the original drawing.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

What I tried to explain is that to be financially well, he had to look for other sources of income. Each of the figures represents a source of income; he and his wife had to save and invest in creating other sources of income, in addition to strengthening those they already had.

The drawing is very simple, but it took me to the idea of writing this book and find answers to the question in a broader way.

TOPICS WE WILL LEARN: PYRAMID OF SUCCESS OF THE FINANCIAL SECRET

28 factors of success of the financial secret: Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

1.

Create and follow a life plan.

2.

Proper use of the budget to save and invest.

3.

Create multiple sources of income.

4.

Eliminate drains of income.

5.

Form good habits and have a successful mindset.

6.

Congruence between productive capacity, character and what is intended to be achieved or managed.

7.

Use of others' resources for your benefit.

8.

Take faith steps.

9.

Know what to ask so you can get what suits you.

10. Attitude of a star athlete.

11. Believe in yourself. Everything that is needed to stand out is already possessed.

12. Make ideal connections.

13. Ability to sell and communication skills.

14. Good use of time and management of daily tasks.

15. Be 100% responsible for your life.

16. Lean on mentors and form an ideal team to delegate.

17. Ability to divide long and medium term objectives into daily, measurable and attainable objectives.

18. Dreams are more powerful when they seek to improve the lives of others.

19. Flexibility and adaptation to changes.

20. Do everything with excellence.

21. Have faith that the connections in your life will be made.

22. To fulfill with what we offer.

23. Connect your thoughts at a positive frequency.

24. Self-realizing, finding the purpose for which you were called.

25. Think and break the barriers of the conventional.

26. Control your impulses and take time to analyze your decisions well.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

27. Load your luggage and walk faithfully forward.

28. Think big and aim beyond your horizons.

I. Integrating the twenty-eight success factors of the Financial Secret.

II. The Financial Secret, what exactly is this great secret?

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

PART 1

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

LETS START...

Chapter 1 THE INVITATION

- Ana!, Ana! Sandra insistently called her daughter.

-There is an envelope in the mailbox.

She said her mother.

- But about what?

It had been a long time since she had received just overdue payments messages on his correspondence. Ana took the envelope and opened it. It was an invitation to a course. There were also glasses with a sticker that said: "Wear the glasses when entering the course link."

Ana read the invitation carefully, it said: Dear guest, you were chosen random between people of the millennial generation, who have a loan whose numbers end in seven. We are inviting you to a course that will change your life and your personal finances. You will learn a financial secret that will make you prosper wherever you want. It will all depend on you.

Scan the next barcode from a phone and you will have access to the course link. This starts on 8/18/2018 at 8am and is imparted in virtual form. Do not forget to wear the lenses. We will wait for you.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Inside the invitation envelope, there is a piece of paper that says: Task1.

Draw a quadrant; on the left side, place your average monthly income, derived from your sources of income. The right side divide it into two and placed in the upper right your monthly payment for loans and accounts payable; in the lower right your monthly recurring expenses and other expenses in the month.

Then add the left and right side; subtract the right to the left and score the result. This will help you get an idea of whether you have more income than expenses or you are in deficit.

Ana was worried, because she had no income at the moment. Four months ago had lost her job that was her only source of income and her compensation money was over. However, she did the exercise and monthly had a deficit of four thousand two hundred quetzales, or five hundred and eighty dollars.

Every month, Ana was leveraging with the credit card and each time she owed more and had to borrow more to pay the debt. Her financial life was in danger, at any moment she would collapse. She felt worried, but at the same time she was excited to have the opportunity to attend this course.

She commented it with her mother, who told her that it was surely a hoax and that they only wanted to get her money. Ana researched on the Internet and did not find any information regarding an equal course. He thought maybe it was a new course. It gave her distrust but she had nothing to lose.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

She thought about her financial life and realized that it had never been on the whole well. Ana was from Guatemala City and grew up in a lower middle class home. His father was an auto mechanic, there were good months were he had enough work and invited them to eat at Pollo Campero which was his favorite place.

She also remembers that there were bad months and her mother took a food stand at the door of her house; sold bread with chicken and egg, bean and corn atoll; with the money she got, fed everyone in the house. When there was no work, his father was depress and devoted to drink.

Ana, from a very young age, thought that she did not want that kind of life and decided to take a university career which succeeded after much effort. She graduated as an architect at San Carlos University in Guatemala.

After graduating, life did not improve completely as she imagined. Her last job had been tired and she barely had time to share with her family. In addition, the payment was a little more than the minimum wage; she lived on the sidelines.

She didn't have a budget, she spent money on impulse. According to Ana, her situation would improve now that she was going to get a job where they will pay her more. With a thousand more quetzales or one hundred and thirty dollars, she thought she could hook a car and be better.

Unfortunately for Ana and for many people who graduate from the School and the University, there is no course to teach them how to manage her personal finances.

The night of the 17 of August of 2018 Ana scheduled two alarm clocks to make sure that she awake in time for the course. Fortunately she heard the alarm; she took the cell phone to scan the invitation barcode. After a self-scan she could see a strange place, with red curtains that looked like a Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

theater stage. The curtains opened and a message appeared saying: "Put on the glasses". She did it and had the feeling that she was entering the stage; she saw a large hall with lots of tables and a large stage in front.

A man dressed in a blue suit gave her instructions to follow him and took her to a table where four more people were sitting. There were small signs on the table with the name of each. It was Tom, Joel, Mario and Sara. There were about five hundred tables with people from all over the world. Ana greeted each of the members of her table and they very kindly greeted her back.

Since most people were sitting in their places, the stage lit up and an Asian man appeared who greeted everyone. At the tables they distributed devices that looked like headphones, which translated what you would like to hear into several languages.

Ana chose Spanish and the incredible thing was that she could hear everything in her language, even the conversations they were having at her table. The Asian Mr. approached the stage and said: - It's nice to have you here, my name is Jack and I will be your mentor in this course; for now, all I can tell you is that I went through a difficult economic situation like all of us here. Each has a different story, but if you follow the instructions we give in this course, your situation will improve greatly.

In the first topic we will talk a little about the twenty eight factors of success of the financial secret. Are you ready?

- Yes. They all responded.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

The Asian said: -Next we present the first section of the course.

28 factors of success of the financial secret

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

CHAPTER 2 THE INTRODUCTION -I present to you the twenty-eight success factors of the financial secret.

In a moment I will explain them. For now, I want to ask you a question: Who of you performed the task that came along with the invitation of the course?

Many raised their hands.

- Now I ask: Who of you obtained in the exercise, income above your expenses?

Maybe there were about fifty hands raised. Then he asked: - Who of you have income greater than thirty percent of your expenses?

Three people raised their hands.

- Of you three, who invests eighty percent of that surplus to generate other sources of income?

- Nobody raise their hands.

- What is it that you do with the money? Tell me, what's your name?

- Lucas.

- What are you doing, Lucas, with that money you have left?

-I save it to go on a family trip every year.

- And you?

- Whats your name?

- Carla.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

- What do you do with your surplus money?

- I save it to go shopping.

- Anyone who has a different answer?

A young man in his thirties raised his hand.

-I invest that money.

-Perfect - Where do you invest?

-I invest in a savings account and receive interest.

And you ever thought how much of your interests you have left after taking inflation into account?

The young man was speechless.

- Well, I dare to tell you that you even lose money, with the loss of the purchasing power of your savings. I think you are too young to store all your money in a bank. There are many other ways to invest your money and get a higher return. The young man remained silent.

Then he asked them: - Have you questioned why I ask these questions?

Many did not know what to answer.

- At the beginning, it is very difficult for someone to believe in our project and looking for a capitalist partner requires some credibility.

Of the the twenty - eight factors of success of the financial secret there are two that are essential: The creation of multiple income sources and create and follow a life plan.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

If you want to progress in these two essential and key areas for your financial prosperity, most of the time it will require money. Unless you have an extraordinary talent and find someone to sponsor you; otherwise, it will be you who finance your life plan and your creation of sources of income. If you want something, go after it and don't wait for others to give it to you.

This is one way to achieve it: Make a budget where you reserve a minimum of 20 % of your income and, of that percentage, 80% use it to finance your life plan and creation of sources of income. The remaining 20% will be kept in the bank as a liquid capital fund to be used in an emergency or unforeseen.

That is the difference why the rich are getting richer and the poor remain in the same state. The rich invest their money in creating other sources of income, improve their existing income sources and finance their career by becoming more prepared and capable.

What I am looking for is that they begin to generate residual income and that they invest them in the best way. Having done this and getting more income, you can include in your budget a fund for trips, cars and other tastes. The key is that you always maintain at least 20 % to invest. As your earnings increment, you may include more tastes or hobbies in your budget and your standard of living will increase orderly without sacrificing your savings.

Now I will explain shortly some of the components of the diagram of the twenty-eight success factors of the financial secret.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

One of them is: creation of multiple sources of income. Life is full of uncertainty, market conditions can change quickly and what it was a very good source of income, can change and even become a loss that will drain us every month. I will explain this later.

What I want to tell you is that if we manage your sources of income as an investment portfolio, you must have multiple sources of income, which together complement each other and minimize risk.

To create sources of income we do not need hundreds of thousands of dollars. If you use your creativity, you can do it with little money, even without investment. You should make an analysis of your knowledge acquired so far and determine how you can apply them to create the desired sources of income.

Something important is that you should focus. Finding many sources of income at the same time requiring much attention can be counterproductive. It is better to start with one, leave it well established and start another, unless they are combined with others that require less time such as: selling a course online or renting a bedroom from the house where you live. We each live a different situation.

Another important factor is the removal of income drains. When using these words I refer to unnecessary or substitutable recurring expenses.

I remember there was a student in the last year class that shared her experience with her habits on her spare time; every week, at ten o'clock she had a period of lunch and all working days she spent forty quetzales or five dollars. One day , she decided to add what she was spending and it result that in a year she was paying eleven thousand twenty five Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

hundred quetzales or one thousand five hundred dollars; so instead, she decided next year to take home the spare part and with the money she saved that year was enough to enroll into a makeup course.

With the new knowledge acquired, she began putting makeup to the women in her condominium; she noticed that nobody did it up where she lived. She decided to open a store, hired a makeup artist and replicated the model in other large colonies that were far from the salons. Additionally, she sold makeup at the stores and each store produces more than what she earned in her work.

A year ago, she stopped working and dedicated himself completely to managing her stores and she has growth plans. What I want to tell you with all this is that you should open your mind. Many times we do have money to make the investment that will open the doors for us to achieve our dreams, but we are spending it on what does not represent us profit. If we are creative we can make very good use of that money.

Another important factor is to understand that everything we ask with faith and if our actions are congruent with what we are asking for, our universe shaped in our life will act in our favor. Not understanding this is very important since if we are not in tune with this universe, it will act against us, preventing us from prospering and succeeding. There are so many variables that affect what we do, that it is almost a miracle that what we want happens. Many factors can change the direction of what we are looking for. We must be grateful and ask our creator to constantly support us and make everything collaborate in our favor.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Finally, I will tell you about the attitude of a star athlete. How do star athletes stand out? They are persistent, consistent, disciplined, hardworking and they act positively against failures; they dedicate many hours of effort to what they do and do not give up. Their victory is the product of achievements, failures, effort and discipline. To achieve our goals, we have to have an attitude similar to that of the great athletes.

Jack pointed to the diagram of the twenty-eight success factors of financial secret and told them: - Learn it well, because it will be the basis of everything we will cover in the course. The topics that I mentioned are just some of the ones we will touch next.

If you look at the sides of the triangle of the twenty eight success factors of the financial secret, life plan is indicated at the base and on both sides: savings and investment and faith and successful attitude. In the top is: selfrealization and fullness.

If you have a life plan and persist with faith and good attitude, you will have the right mindset that will lead you to success and if we manage our resources well to save and invest wisely in obtaining our goals, using the twenty - eight factors of the financial secret, we will outperform and feel plentiful. Being at this point, our financial problems will be something of the past.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

CHAPTER 3 THE THREE GUESTS The stage lights lit up and three people sat in chairs. Then Jack appeared and said: -These characters will tell their experience on how to excel. There is no single way to achieve this. It may be that starting as an entrepreneur you succeed, or as an employee. There are millions of different stories. All I can say is that these people have something in common: when discovering what they want to do with their lives they have gone after it with faith, determination and perseverance.

Jack stared at one of the guests who was on stage and said: - He 's Tim , he'll share a bit of his process.

Tim got up from his chair, took the microphone and introduced himself.

- Good morning! It is a pleasure to be with you today. Jack asked me to tell you my experience of how I started. I hope it helps you.

It all started at my eighteen year old; I started working in a bank after having graduated from college. My parents didn't have the money to pay for a career in a private university so I went to a public university after work, going to study the days that work permitted, during five years, which was the time my audit career lasted.

My initial position at the bank was a bank cashier; in the third year I was promoted to a customer service agent; then, head of an agency. By then, I had any idea of what I wanted; I just thought that what I would do would be related to banks and finance.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

I discovered what I wanted to achieve when a good friend of the bank told me that there was a seat available as an investment adviser. I applied to the position and they didn't give it to me. However, I thought that was what I wanted and that I would get that position or a similar one.

I decided to study a master's degree in economics and finance to have the curriculum they requested and after two years of higher education, I sent my curriculum again; this time I was accepted as a financial advisor assistant. That was the beginning of a long journey of learning and promotion: I become the director of a major investment fund.

After fifteen years of working for the bank, with savings I had made and with my compensation, I became independent. With the experience and knowledge in investments I started an investment fund for workers who wanted to achieve a greater return than they obtained in a bank. At the beginning, it was difficult, but after five years of work to make ourselves known and to partner with several companies with many employees willing to invest a small percentage of their salary in our fund, the business began to make progress.

I had formed the Tim Graham Investments Corporation in honor of my grandfather; the adventure was just beginning. Then we opened one more fund that bought real estate; We develop twenty websites related to finance; We started an insurance and bail bonds company; We open a financial advisory business. To date, Tim Graham Investment Corporation owns more than fifty businesses.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

We have plans to open a virtual bank and we are highly likely to partner with the owners of the bank where I started working as a cashier earning the minimum salary.

It all started when I decided to take an opportunity that was presented to me. Opportunities arise and there are those who take them and others let them go. I consider myself fortunate to have taken advantage of it. Twenty five years ago, saying that I would partner with the owners of the bank where he worked will had heard as a joke. Being where I am now, was a process of constant work, acceptance and pursuit of challenges. What I can advise you is to have a vision of what you want and go after it.

- Good luck.

The audience invaded the stage with applause.

- The name of our next guest Simon. Let’s welcome him with a warm applause.

He was a tall and senior man, went to the stage and took the microphone.

- What I will tell you today is not a perfect story, but it is the story of my life. When I was forty-five years old, I woke up drunk on a sidewalk and saw a man walking, about fortyfive years old, with two children and a pretty woman. The man felt pity for me and gave me a hundred quetzales bill equivalent to thirteen dollars. I was surprised, because nobody had given me so much money. What seemed curious to me is that he said: "Do something valuable with it".

- The first thing that happened to me was to buy a bottle of rum, but this time I didn't. I thought that if I wanted to do something valuable I would have to get away from alcohol. I Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

had several needs and my desire to drink made it very difficult for me to contain myself and not spend the money.

By casually I passed by a steel deposit and with the hundred quetzales bought a steel bell. At that time I lived in an abandoned house, which belonged to my brother; I took the bell to the house; it was rusty but had a nice design.

My brother gave me one thousand three hundred quetzales, or one hundred and seventy dollars to live in and that was more than enough. It was half the rent of the house that belonged to my parents. I decided to fix the bell. I painted and decorated it, based on my grandfather's magazine.

I wanted to make a good impression. I dress well and headed to a rich neighborhood to offer it. Fortunately, a lady pass by walking with her dogs; she liked the bell so much that she paid me seven times more than it had cost me.

That money helped me to buy other recycling products that I could fix, I already had a business. I decided to open my own store where I chose the best of each recycling and sold it at at least double the cost.

After seeing the demand that existed for steel construction, with a Chinese friend I decided to bring two steel containers from China which was sold very quickly.

Then we bought equipment to assemble steel beams and in ten years, we had set up an industry in steel. Today we have more than five hundred different products and we expanded to over fifteen territories; we have a thousand and five hundred franchises to which we supply products.

The bell had become a steel empire; now at my seventyfive years -old, the business is handled by my kids and I dedicate myself to do motivational speeches. People wonder how, after being a drunk, I built the steel empire Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

of which I am the main shareholder ; I will answer that was primarily the impact of the words of that man that gave me a hundred quetzales.

If I had not heard those words, I would never have realized the opportunity in steel and never acted. Another part was that I had already had unpleasant experiences and had nothing to lose. There was no fear of failure. Something else I did was take one hundred percent of responsibility for my actions; enter Alcoholics Anonymous where they helped me control the addiction.

I want to end my participation by telling you that it is never too late to start. In life you must take the reins and act; Postponing will not take you anywhere. Set goals and constantly strive to achieve them. Thank you.

The audience couldn’t stop to applaud. After this talk, Ana wondered: When she would start to take her master in interior design. That would be something that she would stop postponing.

The third speaker rose from his seat and took the microphone.

- Good morning. My name is Maria; I will briefly share my story.

Since I was a child I was passionate about running. I run from my house to school, but my mother forbade it, because she said that It would not take me anywhere and that I had to study.

My father had died when I was five years old; my mother had to hold the house expenses. We were five brothers; Many times we fell short of food in the house. There were days I ate only one time.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

When I graduated from school as a bilingual secretary I got a job at a call center after trying multiple times. While there, I met a group of friends who were jogging; I decided to join them. We met at five in the morning to run around different parts of the city. We usually went to the most important avenues. We ran two hours every day. Then we begin to participate together in marathons; that's how I started to enter the world of runners.

Five years later, I had won various marathons. I saw a lot of people that were interested in racing and I decided to create, with a friend a foundation which we called it: "Let Run and Save Lives". We organize races in different places and half of what we earn we donate to various foundations.

We locate our races in Facebook and in the press. Many people sign up for them. We try to make them interesting with activities such as: climbing volcanoes, running through valleys and attractive tourist sites.

Thank God and our effort, the foundation has grown considerably and today I completely dedicate myself to deal with it. We have received support from organizations from different countries and open stores where we sell clothing and accessories.

We are in five countries, we have a radio program, a magazine, several websites and we organize hundreds of events a year. My childhood financial problems are history; two of my brothers work at the foundation. Thanks to these events, many children receive support. All I have to tell you is that all this is thanks to God, who somehow connected me with my passion.

When we do something we are passionate about, we are willing to go the extra mile, which very few do. Excelling

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

requires effort and have a clear vision of what we want to achieve in the life.

I thank your attention and invite those that have not, to define what you want to do and to give a step every day until you reach your goal. The goal is reached step by step but each step adds up. God bless you all.

The audience invaded the stage with applause.

Jack took the microphone and said: - Now we will talk about the first success factor of the Financial Secret which is: Create and follow a life plan.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Chapter 4 CREATE AND FOLLOW A LIFE PLAN

Jack expressed: -The first success factor of the Financial Secret is: crate and follow a life plan. This is very important because if you do not know where we want to go, it is impossible to reach a desired location. Defining it is indispensable for our life. In addition to having it, we need to be one hundred percent committed to comply and be very sure of that we can really do if we pay the price required to carry it out. Imagine that we own our own Universe shaped in our lives, all we want we can achieve and attract, but we must know clearly what we want and here is the important thing to make a life plan.

Next, a student from last year will share their life plan.

A young man in his thirties introduced himself: -Hi! my name is Erick. Today I will talk about my life plan. There are several ways to structure a life plan, but I will show you the way I did it.

Erick projected a slide whose title read: “Descriptors."

The following information appeared: DESCRIPTORS: HUSBAND, ECONOMIST, WRITER, BUSINESS ADVISOR, ENTREPRENEUR, MARKETER, REAL ESTATE PROJECT DEVELOPER, HAPPINESS FINDER - The first thing I'm going to put are descriptors. Take the digital notebook that is in the place where we assign you and start. Write in capital letters. In my case, my descriptors are the ones that appear on the slide.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

These descriptors with a word or short phrase inform me how I visualize or how I would visualize me in the course of my life plan.

-We will also make a special purpose with eight words:

descriptor

linked

to our

Mine is: “Generate well-being to others by realizing my vocation” -I will assign you fifteen minutes descriptors. Please do it.

to write your

Ana already had her descriptors. Among them: photographer, interior architect, philosopher, wife, mother, writer and entrepreneur. What also called her attention was what Erick put: Happiness Searcher, but had no idea how happiness was reached. She thought that maybe she would be invited to another course on this subject.

For her eight word descriptor she placed: “Seek happiness in everything done in my life."

Many had completed the descriptors and Erick changed the slide. It contained a question and showed Erick's answer: HOW I VIZUALIZE MYSELF? -Maintain a spiritual connection with my creator.

- Be happy with the people that life puts in my way.

- Writer of business books, economics, personal growth and fantastic literature.

- With a master's degree in economics and finance and a doctorate in economics.

- Professor and researcher at a University.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

- Company’s advisor. Create innovative advice.

methods for

- Founder of a seed capital fund (Venture capital fund).

- Invest in FOREX and other markets.

- Economic stability Secret guidelines).

over

time.

(Follow the Financial

- The slide indicates the way I visualize myself. I will give you fifteen minutes to do yours.

Ana was enthusiastic, liked philosophy and visualized herself teaching philosophy. For the first time she felt free to write what passionate her.

After fifteen minutes, Ana already had her list made.

Erick changed the slide.

- Now we will identify our purpose and our values.

- Our purpose defines our meaning to this world. Our values define what is important to us. You have fifteen minutes to write your purpose and values. Following I will show mine:

PURPOSE Contribute my life and my works for the benefit of humanity. Being happy doing what I love.

VALUES Integrity  Creativity  Proactivity  Perseverance  Compliance with what is offered 

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Discipline  Learning  Order  Give the extra mile  Conclude what we do 

Ten minutes passed and Ana was having trouble finding her values. Fortunately, her phone had signal and could surf the internet and find values. Ana was discovering a lot of herself which she had never expressed. The fact of making her life plan was much better than just receiving the theory.

Erick changed the slide. He said: - Then we will make our vision, mission, focus and answer the question: what we desire? Explaining what we desire is a reflection of the result of what we want to achieve by carrying out our life plan.

Erick projected its vision, mission, what he wanted and focus on the screens of the stage and gave twenty minutes for them to write theirs.

VISION To be the most creative and original business, economics and personal growth writer, supporting my works with my life.

MISSION Create works, develop projects and lead a life that inspires others to achieve the best version of them.

WHAT I WISH? Be happy, feel joy, peace and be connected with my creator. Self-realize, make use of my talents, help my Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

family, my neighbor and contribute something to make this a better world.

FOCUS Generator of innovative business models.  Writer of economics, business, self-improvement and fantasy.  Constantly learn and contribute the knowledge acquired to others. 

Ana had never thought about her vision and mission; It seemed to her to be something important to have.

Until now, more than an hour had passed and Ana was so entertained that she had barely felt the time.

Ana again used her phone to browse the Internet and look for information on how a vision and mission was made. Also she found that at the invitation of the course appeared a virtual place where she could observe with greater detail each of the modules of the course.

As for the vision and mission there was enough information. She identified a lot with what Erick projected so she wrote something similar.

She thought that to accumulate money, fame and power is not what will make her to be happy. Money and fame are simple means to an end, in the case of Erick, be happy, to feel joy and peace were, also, to contribute something to make this world a better place. Ana reflected that the problem is that when people think that money, fame and power are ends in themselves and not means to an end.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

With its focus, Ana was sure of what she wanted to be. There were three things she was passionate about and she wanted to focus her life on it: - Interior Architecture - Philosopher - Mom Being a mother was something she had always wanted.

Erick told them: -Now we will move on to the last part that consists of defining objectives and goals by period. We will do it for fifteen years.

In my case I tried to have each of the areas shown on the screen included.

- Exercise, eat healthy, and health -Relation with God -Relations with our love ones.

-Learning -Living a Legacy. Transcend beyond our life.

Our life has to be balanced.

We cannot plan our life one hundred percent; If situations change, we can modify our plan. However, if we set goals, at least, we will have an idea of where we are going and in what direction we should go, to achieve what we want.

Of course, no plan works if we don't make the most of our time. Living is in the now and many accumulations of now´s will lead to the result that we get in our lives. I remember a game from when I was a teenager, where one Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

could do what he wanted, but the game became exciting when we had a purpose, objectives and goals.

Similarly, our life without a purpose, without goals and objectives becomes boring, unproductive and meaningless. Below I present my objectives and goals. You have thirty minutes to find yours.

OBJECTIVES AND GOALS PER PERIODS 2019 to 2021 Seek economic stability and work on my person in search of significant results for 2021.

Write 5 books and publish them. Get a job that gives me financial stability. Get a second income as a business advisor: (Q3 ,000.00 - Q10 ,000.00 ) Start a business on the web. Save money for my master's degrees ($ 15,000). Take web developer and digital marketing courses. Get out of Debts. Reach my optimal weight level. Live a successful marriage.

2022-2025 Acquire knowledge and become an expert in my field of interest with significant results for 2025.

Take a Master's Degree in Economics from the UFM , in 1 year online ($ 8,000), and a Master's Degree in Finance and Economics from a University of Chile , 2 years online ($ 7,000) . Write 5 books. Grow in the business of buying and selling products on the web, developing an application and a web platform. Maintain optimal weight. Publish my written books. Support my wife in her life plan.

2026-2028 Exercise as an expert in the field of economics and business following my mission and vision for 2028.

Obtain a Doctorate (PHD) in Economics, and teach at the University. Set up an advisory program for small and Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

medium businesses. Writing a doctorate thesis on the economic impact of small and medium enterprises in the digital age. Write 5 books. Take forward my first real estate development. Grow in the business of buying and selling products on the web. Attend a Catholic marriage group. Build a house to our liking with my wife. Publish the written books.

Sort 2029- 2033 projects created and leave them running for 2033 .

Strengthen the advisory activity.  Consolidate my image and the future of my written books.  Delegate the business of buying and selling products on the web to a CEO, Participate as a member of the board of directors. 

Initial projects Write 5 books  Housing financing business through investors  Invest in currencies, futures and stocks.  Teach classes at the University 

Others Maintain optimal weight  Attend a marriage group  Publish written books  Go with my wife on a long trip to Europe. 

Now we will only put an attractive format to our Life Plan and sign an agreement, a commitment and that's it; Next, an example of a life plan of a young Christian.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

- Finally, I want to tell you that your objectives and goals do not end in fifteen years. At the end of this period, I recommend that you update your life plan and again set goals and objectives for another fifteen years. I also want to tell you not to limit yourself. Think big.

Erick left the stage and while he did, many applauded.

Jack took the microphone and told them: Making a life plan can be something that everyone can customize as they fit more into their life. In the case of my life plan, the first period lasts five years, the second ten years, the third: fifteen years and the fourth twenty years. In those four periods I summarize everything I would like to do with my life. Of course it is free of change and if I need to include or add something that I will like to include I do and if there is something that I do not longer want to include I take it off. Life will indicate us. There are those who prefer to live life as it comes and there are others who prefer to have a route to follow. Whatever your decision, both ways of seeing life are valid but since the book deals with the issue of financial success we have greater financial success if we follow a path.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Chapter 5 CORRECT USE OF BUDGETS TO SAVE AND INVEST

Jack arrived on stage accompanied by a lady. He took the microphone and said: - Now we will touch the second success factor of the Financial Secret. The methodology we will use to learn will be through a testimony, for this, we have Alejandra with us.

Jack handed the microphone to the lady of low stature who accompanied him: she took the microphone and began her speech.

- Hello friends! As your mentor mentioned, my name is Alejandra and I am originally from Costa Rica. I will talk about how the habit of saving has positively impacted my life.

I remember that at first, saving was something I never did; if I earned a thousand dollars; I spent the thousand completely. I never thought about saving until at my twenty-five years of age, my kidneys stopped functioning properly. The treatment cost me four hundred dollars a month; At first my mother supported me by paying for it, but when she was fired from her job I had to see how I paid for it.

I worked in a hotel, had an average position and earned a thousand dollars a month. The first thing I did was cut several unnecessary expenses and adjusted my budget to live with six hundred dollars. It wasn't easy at first, but after a few months I had gotten used to it. After two years of receiving treatment, came to Costa Rica a nephrologist from the United States, sponsored by a recognize Hospital to perform donated operations for three months; I took the opportunity to evaluate myself. The Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

doctor determined that to be well and without treatment, I had to have a kidney transplant. Thank God my sister was my donor and her kidney one hundred percent compatible with mine. The operation had been a success; soon I was leading an almost normal life.

Because the cost of my treatment was lower, I had three hundred dollars left. My dream was always to open a shoe store and the cost of buying the first batch was of three thousand dollars.

With my one- year savings, I brought the first batch. I got a place in the neighborhood where I lived and my mother took care of it. The shoes sold quickly. On this occasion I manage to earn twice what it had cost me; I placed a larger order, I also included sports shoes. All were sold.

Then I opened another store in which I also managed to make enough sales. The trick was to buy lots at cost below the original price. I had not lost the habit I had formed to save and my savings helped me to reinvest in opportunities of favorable lots that were presented to me, as well as to selffinance in the moments that the business was not generating much money.

My savings also helped me to pay for a university degree, business administration. If I earned ten thousand dollars in a month, I tried to save a good part. In this way I maintained a comfortable lifestyle, without wasting in superfluous expenses.

After fifteen years of having my business I have traveled and had a good life; I think the trick is always to keep that savings cushion, and invest in what you know.

I became an expert in getting lots of shoes at good prices; specializing in something are points in your favor. People look for the best in their branch. I Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

increase gradually my standard of living, but my incomes always were greater.

Today I have, over thirty shoe stores and also sell online and in whatsaap. The business has grown and my standard of living is below what I earn. This allows me to take advantage of many opportunities that come my way.

Five years ago I met my husband, I have two twin children and I am very happy. My kidneys have worked quite well. In my case, I learned the habit of saving perhaps in a way that I don't want it from anyone. I think you don't have to wait to have a health problem to start saving.

Finally, I want to emphasize these ideas:    

Spend less than what you earn.

Invest in what you know.

Become in the best in what you do.

Invest in you. Keep learning and improving.

If you do this have faith in that things will improve. Thank you so much!

The audience stands up and applauded. Jack said: - We will quickly review a minimum necessary budget of a single millennium.

Revenue: $ 1,000

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Monthly Budget:

This exercise can help us determine the minimum budget needed. If we make our minimum necessary budget and find that the money we earn is not enough to save at least 20% and there is nothing we can reduce, we must do an action plan to find other sources of income. We must always be saving at least 20 to 30%, to invest in our life plan or other sources of income.

Many were surprised, because they considered that what they were earning was not enough for them to save and they had to find other sources of income.

Jack said: -I will repeat again something that I already mentioned previously: Make a budget where you reserve a minimum of 20 to 30% of your income and of that percentage, 80% will use it to finance Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

your life plan and creation of sources of income. 20% will keep it in the bank as a liquid capital fund to be used in an emergency or special occasion.

That is the difference as to why the rich get richer and the poor stay in the same state. The rich invest their money in creating other sources of income, improve the ones they already have and finance their career by becoming more prepared and capable.

What I am looking for is that you begin to generate residual income and that you invest it in the best way. Having done this and getting more income, you can include in your budget a fund for trips, cars and other tastes. The key is that you always keep 20% to 30% to invest. As you earn more, you can include more tastes or hobbies in your budget (consume according to your scale of values), while saving and your standard of living will increase orderly.

Jack called to the stage five participants to exercise. He asked:

perform an

If I give you ten thousand dollars at this time, what would you do with the money? The one who gives me the best answer, we will deposit ten thousand dollars to his account. Who wants to go first?

A young man in a green shirt and white stripes raised his hand.

-What is your name, introduce yourself.

-My name is Ron ; and what I would do with the money is to organize a race giving away five thousand dollars to the winner, three thousand to second place and two thousand to third place . I would charge twenty-five dollars to participate and try to collect five thousand runners in the state of Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Florida. The race would be twenty- one kilometers and I would collect one hundred twenty-five thousand dollars.

Hearing this everyone applauded.

- Who is next?

- My name is Raquel and with that money I would buy a lot of makeup and make a sale in the garage of my house. I would invite all my neighbors; I would leave them flyers at the doors of their homes and make it public in a group we have on Facebook. Great Settlement of Makeups! I think I would earn three times more than I would invest.

Hearing this everyone applauded.

- Who wants to go?

- Me; said a young man in a blue shirt. He took the microphone and introduced himself.

- My name is Mark. With that money I would make an application where people can vote for the best photos of different categories. The winners take the money from the category in which they participated proportionally to the money they invested. I would earn a dollar for each participation.

Hearing this everyone applauded. Then a young woman passed.

- Hello! My name is Monica. What I would do is open a foundation to help malnourished children. I would talk to banks, to which those who have subscribed to that foundation, agree to have one dollar debit from their credit card each month.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

It would be twelve dollars a year and like millions of people have credit cards, we could raise a lot of money. All the help made will be published on a site and in an application.

Hearing this everyone applauded. Let the last contestant pass.

- A young man in a white shirt with red and blue stripes passed.

- What's your name?

- Marlon.

- Introduce yourself.

-I'm a lawyer and I want to launch into politics. With ten thousand dollars I think convince a lot of businessmen to win bids for the estate, and receive other benefits; I earn ten percent of everything they earn in each assigned work.

We will make an excellent campaign and offer everything the people want to win. I know there will be many innocents who will vote for me. From that percentage that I would earn, I will make so much money that at the end of my period of presidency my family and all my future generations will not have to worry about money. Then we will leave the country to live as millionaires. Many have done this in my country and they have done very well.

At the end of this participant nobody applauded.

Jack said: -I'm impressed with the creativity and cunning of all who participated. Since almost everyone did very well, we will choose three and we will know the winner in a few minutes.

He introduced themselves.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

- Who votes for Ron the race organizer?

Many applauded and rose. Everyone receive applause except Marlon. When Marlon passed many shouted: - We don't want you here!

Marlon was immediately removed from the course.

- Rat; shouted a few.

The one that received the most votes was Monica; she took the prize. Jack uttered a few final words.

-Everything you do do it in order to generate good for others. Stealing and scamming is totally disapproved in this course and in any situation. - Marlon you're a thief!

A voice was heard over in the distance.

-Also, what I want to tell you do not have to wait until you have ten thousand dollars to start working on your dream. Save every moment you can. This is an option to collect the money you need, as Alexandra did.

Now, there will be a break of forty-five minutes and we will taste a delicious lunch, before moving on to the next topic. Be ready.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Chapter 6 CREATE MULTIPLE SOURCES OF INCOME

Jack entered the stage again.

- Now we will play the next factor of success: generate multiple sources of income. When I speak of multiple sources of income, what comes to your mind?

Several raised their hands; Jack asked: - What is your name? And what do you think it means?

-My name is Franz; I think it means that we have to make money not only from one place but from several.

-Very good. What’s your name?

My name is Alexandra and as the word says, multiple refers to various sources to obtain more income. In summary: Find how to have several ways to earn income.

- Very good!

- Now I ask, why do you think this is important?

Alexandra replied: - I guess for several reasons: one of them is to minimize risk; other, seize the opportunities before us and finally, offer more variety of products and services to our customers to make them more loyal to our brand and earn more.

If one product or source of income does not work out, the other may be. In addition, when you have already highlighted something, it is easier to sell other products or services to your same customers.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Jack congratulated Alexandra and told she had surely studied business administration.

him that

- Have you noticed something in particular in the previous modules where several guests have shared their stories?

The audience remained silent.

- Well, I'll tell you.

- All started with a source of income, which then turned it into multiple sources of income. To excel in the financial life you should create multiple sources of income. If we investigate several multi-millionaires and billionaires we will discover that they have several ways in which they generate money; either because they have a business that produces multiple sources of income, because they have an investment portfolio or because they have several businesses and several investments.

Something that I also want to add is that it is not impossible to obtain them. If we look at many success stories, what these people had in common was a burning desire to excel and improve their situation. They focused on a field and began to progress. They overcame several rejections and did not give up. With a dream in mind and persevering to carry it out, they made themselves known; after they created more sources of income.

- The question for many is perhaps how we start? , How we create sources of income; There are several ways to create them.

I think we should look for four types of income sources that I call: Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

1) Advantage takers: which are those that we can obtain with something that we already have and start to benefit from it, such as: the fact of having an extra room at our house and put it on for rent, sharing our knowledge in an online course or website, perform an advisory, sell things we don’t need, get subcontract job or an advisory based on something we can do well. If you are creative you will find plenty.

2) Those that combine with our life plan: they are all those that go hand in hand with our purpose and with what we want to achieve from our life.

3) Opportunistic ones: are the unique opportunities that we can acquire with surplus capital.

Like for example: buy a property or an asset that is below its real value.

4) The diversifiables: they are the ones that we can get by investing in business or making investments outside our line of business always supported by an expert in the subject (Be very careful with the scammers).

In any case, in order to make us from other sources of income, it is important that we always keep surplus of capital. And how do we achieve this? It is very easy, spending less than we earn.

If we make a budget and keep it, everything we earn above that amount is saved and invested in a timely manner. If we think that our budget is very tight and that it doesn't allow us to save, we can always do something about it: there will be expenses that we can reduce; but believe me , look at the series of extreme stingy people.

We can always achieve savings with coupons, lower our phone plan, consume less electricity, save on gas using public transport from time to time and many more ways. It is Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

better to sacrifice a little and invest in our life plan, than to incur expenses in which we will never see their fruit. Let’s get into activities such as attending the university, taking a course and investing in our personal growth or investing in the business of our dreams. People who have the ability to control their immediate pleasures for greater benefits in the future are more successful in life.

Our sources of income should be aligned with our life plan since they are in our area of expertise; being experts in something is what will give us a competitive advantage over other people. If we have a focus, we specialize in something; if we follow a life plan, we will be heading in the right direction.

Without a life plan we don't have a desired path and destination and any route we take can take us to unwanted destinations. Having a life plan connects our reality with our desires and dreams. Many complain to God that he doesn't bless us but have we ever wondered what tools we have given God to do it? We have already opened our business for God to bring us customers, we have already opened our online store, we have already uploaded our online course, we have already put our ad on Facebook offering our work? These are just a few. What I want to tell you is that the more chances we give God to bless us the better he will be able to do it because He is seeing our effort. Now is the time to launch everything we leave behind, pray a lot, and with faith and a good attitude you will see how God will take what you put at His disposal and multiply it according to his will. Believe and see.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Be creative; it is incredible when we think beyond the conventional the amount of ideas that come to our mind. Many times we are going through tough times and we have the solution to our economic problems in front of our noses. The amounts of income sources we can create or take advantage of are incredible if we use our imagination.

A student raised her hand and asked: - What happens to those of us who are working on something we don't like and only do it for the money?

- What I can tell you about this is that the sooner you can you should start working on your life plan, even if you have to work two shifts. If the job is very absorbent, change one job that allows you to work on your life plan.

There are twenty-four hours in the day and we should sleep approximately eight, we have sixteen hours left. Do what you have to do to take advantage of these sixteen hours and work on your life plan. If you dislike your job, seek quickly how to learn new skills or acquire knowledge that will allow you to find a job where you feel more comfortable and that goes according to your plan. You must love what you do. It is very important to feel good.

Another student raised his hand and asked: - What is the true economic wealth?

- True economic wealth is what will allow us to lead the life we really want. If we analyze well, it is more important to be happy, to share moments with our loved ones and situations that do not involve the material, than material extravagances.

When we replace real experiences for material goods, we understand the true value of things and time. At the end

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

of the day, our life is composed of the experiences we live constantly.

It is strange that I mention this to you, if this is a finance course, but it makes sense when we look at the richest men in the world turned into philanthropists, because for them the important thing was self - realization and not the pleasures that money buys. When you get to be aware of the true value of money, we realize it is preferable to make happy or help someone in need than to eat at the most expensive restaurant in the world.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Chapter 7 ELIMINATE INCOME DRAINS Jack asked: - Have you ever been near a drain when it is raining? What happens with the water?

A young man raised his hand and replied: - Doesn't the water is remove from the place?

-It is correct.

-Well, I also want to tell you that income drainages also remove money from our credits. Without realizing it, we may be having several income drains and our money is going out of our pockets.

Can you mention some income drains?

Alicia raised her hand and said: -As mentioned, they are unnecessary recurring expenses that we make month by month.

Another young man raised his hand and said: -I am an entrepreneur and for me the income drains in my business can be seen as: expenses that waste our resources and that we can eliminate or replace them, looking for more efficient alternatives that will provide us with the same or even better benefits. There are entrepreneurs who pay extra salaries that can be optimized, miss use spaces that instead of generating a positive return, contributes to business losses. These are some examples. All these unnecessary expenses or income drains as you mention must be reduced in such a way to optimize resources and to be more efficient and productive.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Jack asked: Who else wants to comment? A young man who looked like an Hispanic raised his hand.

-What is your name? , 'I 'm Edwin.

-Edwin, mention me three examples of income drains? Jack asked: - I think it's the electricity, water and food service.

Ch ... . It was heard in the distance.

-Why Ch ... ?

That 's my nickname, Edwin replied .

Jack told Edwin: - You are not paying attention. Income drains are unnecessary expenses that we make recurring. Is water, light and food not necessary?

- You're right, I think I got confused.

-Olivia intervened: I think Mr. Ch is right. You will always see ways to reduce electricity, water and food bills.

A tall, bearded young man raised his hand and said: I can mention other examples: I spend seven dollars in M c Donald for every lunch, knowing that lunch cost me three dollars where I work. In addition, with the commissions I earn, I like to buy toys such as swords, helmets and small planes. I spend approximately two hundred dollars a month in toys.

- Very good example, said Jack.

What I want to tell you is not for offending you, but we all make unnecessary expenses from time to time. I don't say Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

don't do them, because it’s important to eventually reward our effort. What I mean is that you have very clear what are your payment priorities and once covered, occasionally, it is not bad if you spoiled yourself a little, but without sacrificing your plans. It is preferable to have it contemplated in your budget. We must have a life plan and invest in it. Investing our money in a life plan will take us to where we want to go. In addition, by investing well, we will produce more income and have more capital surpluses, which we can use later to make family trips and live experiences that in the end, will satisfy us more than the money we spend on unnecessary things.

A tall man passed on to the stage and Jack said: He is Sebastian and we will share his experience on how he left his addiction of carbonated water and fast food and started a thriving business of growing worms and planting cucumbers.

- Good morning, I'm Sebastian. I will tell a little about my life. When I was young I weighed more than three hundred and fifty pounds. I had addiction of eating hamburgers; Every day I went to the hamburger shops that were close to my house and I ate between five and seven hamburgers a day and a double liter of some carbonated drink. I worked to eat. I had no girlfriend but my company, my best friend who is called Firulais.

- Firulais came up with the brilliant idea of cultivating earthworms to treat medical problems.

The worms produce a proteolytic enzyme useful for infarcts and to treat the myocardium and thrombosis; also they are typically use as a preventive strategy in people prone to generate blood clots.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Firulais convinced me to invest in the business and with a loan that I did to my mom, we started; I moved to live with him at his house. It was there that I went for a walk every day; with Firulais we went to a boxing gym. I liked so much the sport that I practiced it up to three hours a day, five times a week and it make me lost weight.

Little by little I lost my addiction to hamburgers and carbonated drinks until I left them completely. The worm business with Firulais proved to be more complicated than we thought; I went back to my parents house to work on the cucumber plantings we have.

My father, the largest shareholder of the cucumber company , hired me again and paid the same salary I had before; this time, money abounded ; now saving the money l spend in food, I had half of my salary; I was saving it and with that money I paid a master's degree online at a University of the United States, to improve the cultivation techniques in the cucumber farm.

Five years have passed since I finished my master's degree; Now, applying my knowledge, we have made my dad's cucumber farm sales grow greatly, to the point that we are exporting to eight different countries.

Good habits have allowed me to maintain my weight and my self - esteem recovered. Now I go out with my girlfriend Jissel and my life has changed greatly. At the moment , I am saving to open a nursery where we will grow vegetables and fruit trees and people can buy plants, seeds , if they wish ; and cut fruit and vegetables from the crop, as if they were growing it.

The prices will be more favorable than in the supermarket and it will be a unique experience. There will be courses for children where they will learn to plant and grow fruits and Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

vegetables, as well as a vegetarian restaurant. The place will be called " La Granja de los Butch " , in honor of my paternal grandfather.

From my experience I can tell you that many times we have addictions, which suck our income. If I had not quit my addiction to hamburgers and carbonated drinks, I would never have been able to save for my master's degree, nor the business I am forming. Also, who knows if I would be alive today with that bad diet.

My income has increased and I live a better life. I want to thank you for your time and I hope I have left you something positive.

I will give each a cucumber from the farm. Have a happy day.

Sebastian came down from the stage with a sack of cucumbers.

In the public applauses where heard and Jack came back to the scene, laughed and said: -I hope you enjoy your cucumber and learn from Sebastian. As you notice, the amount of income drains we may be having is incredible and we don't realize it. There are many resources that we are wasting. This does not apply only in our companies, but in our investments, in our personal expenses and in other areas.

A tall man with gray hair went to the stage and said: - He is Steven Curnvi; he will talk of good habits and how to have a successful mindset. I leave it with you.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

ABOUT THE AUTHOR I will tell you a little about my life. I will start with my studies. I studied until third year at the American School of Guatemala. I switched to the El Roble School Center; I obtained the Bachelor of Science and Letters degree in that school.

As a child I was very distracted and lived in my world. My parents seeing the problem I had, at fifteen they started treating me with attention deficit medications and at twentythree years old, almost halfway through my Business Administration career I had a psychotic crisis that lasted a couple of weeks; With the help of a psychiatrist and of God I managed to leave.

Due to family history and the type of crisis I had, I was diagnosed with Paranoid Schizophrenia and for the next four years I was treated with high doses of antipsychotics.

In the University I had to ask for support and I assigned myself to fewer classes, besides meeting periodically with the assistant of the Director of the University. I can't complain about anything since Francisco MarroquĂ­n University gave me full support. In 2007, my aunt recommended that I should change doctor; Thanks to the change and modify my medications, cognitively I improved a lot. This doctor diagnosed me with bipolar disorder.

My grades improved as well as my desire to read and learn. I entered the pensum of the best universities; I research who the professors were and tried to find books written by them. That's how I read books by professors from Harvard, Kellogg School of Management, Warton, London Business School and other Universities.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

I loved my career and every time I wanted to know more. In 2009 I had another crisis; this time it was different: it was more mania than psychosis.

This time I came up with several businesses ideas, I continued writing a fantasy literature book, which I had postponed; its title was Charlie and the World of Dreams. I came up with an economic model that I also wrote. I felt that I could achieve everything and believed myself smarter than normal, but it all ended when the hypomanic crisis became psychotic.

I had to take higher doses of antipsychotics again and returned to my zombie state. Thank God that year I graduated and in 2010 I had my first serious relationship with a woman who had suffered a car accident and had consequences of the accident.

From 2010 to 2014 it was a time of little progress on a professional life, since my ex-partner demanded a lot of time for her. However, in my father's company I made several significant changes: the main one, to change the image of the company. We create a new corporation; Construalianzas, the purpose is to make construction alliances.

All the other companies that my father had created over the years are housed in Construalianzas, making it a corporation that integrates different companies related to the field of textile architecture and engineering.

We created a website and began to improve customer calls and the company was walking, but not at the pace I wanted. I wanted to innovate and sell products that were essential.

My father is a very busy person; he did not spend time on what I did and given that all my projects depended on him, slowed my progress. Perhaps the big mistake was trying to Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

think that I was a partner of my father when in fact the company was a self-employment of him.

So I had a good time of being fooled. On several occasions I tried to undertake, but it always involved my father. In 2011 I entered the MAPI Master of Real Estate Development Projects of the Francisco MarroquĂ­n University, thinking that I was going to develop real estate projects with my father, but I left the career, because the company went through a moment of illiquidity and I could not continue paying.

In 2014, disappointed to try to move my father's business forward without success, I decided to quit and do my own projects. I started with a partner the development of a site to find real estate, but the programmer did not hurry and I was increasingly in debt. Then it occurred to me to sell the vacation packages to Orlando from my mother's family business, but I didn't succeed either. It was June 2014, and my partner at the time, with whom I had contracted civil marriage, was asking me for a divorce.

In September I moved to an apartment in zone fifteen and got divorced. At that moment I met my second wife, who gave me the courage to live again. My financial situation was getting worse; I thought that everything would improve and that I would do some business that would take me out of bankruptcy. At that time, I did not have any budget and the way to manage my personal finances was terrible.

Finally, I couldn't sustain the life I was leading anymore and I lost my job living on contributions. I am extremely grateful to all those people who supported me. At that time, when I was out of work, my mother hired me paying me three thousand two hundred quetzals a month, the equivalent of four hundred and fifteen dollars to take her social media from her company, working from home and something incredible happened.

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

In that time that I remained alone I had the opportunity to meet and connect with my inner being. I had a clearer idea of what I wanted to do with my life and, for the first time, I started living my life, not someone else's. I realized that during my professional life I only looked for excuses and the real person responsible for why I had not excelled as I would have liked was me.

At that time, I wrote my life plan and thought that part of why I hadn't stood out was because of my lack of focus. I started many projects and didn't finish them, besides not keeping track of my finances.

I discovered that I wanted to write; The Financial Secret had not yet occurred to me, since it emerged at the end of December 2017. After my mother's company had a complicated year, she told me that she could no longer pay me and I looked for work in a call center. It was there that I had the meeting with the agent who asked me the question of How can we make money and be financially well?

You may consider that I am not the best person to write a personal finance book, but what I can tell you is that I have had to live difficult experiences due to bad financial decisions and I hope to make a significant contribution so that others do not live them.

In The Financial Secret I combined a fiction with real teachings, to convey the message. I will share my discoveries; everything obtained as being self-taught.

If you liked the first part of this book, you can order the second by writing an email to: arpellecer@gmail.com

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

This is the original diagram that I drew to the telephone agent in the Call Center training.

www.emagica.com

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC

Bibliographies Arismendy, A. (2017, Sep 7). How to sell more - don't sell products, sell solutions . Retrieved from https://www.youtube.com/watch?v=xqMwRdoXZ4I Carmichael, E. (2015, Jul 26). Michael Jordan´s Top 10 Rules for Success . Retrieved from https://www.youtube.com/watch?v=mcHdmc-s7FM Carmichael, E. (2016, Apr 12). Roger Federer Top 10 Rules for Success . Retrieved from https://www.youtube.com/watch?v=rAdn_JGq5bQ&t=6s Carmichael, E. (2016, Sep 1). Top 10 Rules for Success . Retrieved from https://www.youtube.com/watch?v=mcHdmc-s7FM Carmichael, E. (2016, Jun 10). Usain Bolt´s Top 10 Rules for Success . Retrieved from https://www.youtube.com/watch?v=QL5mCN-TTBs Kennedy, J. (2016, Apr 13). Indiana Jones - Leap of Faith . Retrieved from https://www.youtube.com/watch?v=xqMwRdoXZ4I Lifeder. (2018, Feb 19). 39 Disability phrases to inspire you . Retrieved from https://www.youtube.com/watch?v=Xje1M2LhU_I Mertxe (2016). Mertxespasamontes . Retrieved from Mertxespasamontes: https://www.mertxepasamontes.com/emprender-un-paso-de-fe.html Various. (2018). Youtube . Retrieved from www.youtube.com Images used on the cover taken from: <a href="https://www.freepik.es/fotos-vectores-gratis/negocios"> Business photo created by freepik . www.freepik.es </a>

Author: Alvaro Rodrigo Pellecer Benavides Certificate of literary works: 2019-00019DAC