Money Summit and Wealth Expo 2014

Sorry for being MIA again in this blog. I don't want to make any excuses. :) Practicing "NO EXCUSES Management". ;)

Anyway, this is my second time attending the Money Summit. I attended last 2010. Review of the summit for that year can be found here.

I was blessed enough to be able to attend the Money Summit and Wealth Expo 2014 for FREE. It was indeed a BIG Blessing. I was thinking of attending the summit months before but never take any action. I just keep on asking people if they will attend the summit. Unluckily, friends I wanna go with was not going and it made me think of attending as well. Call it lame excuse and procrastination. But maybe nothing just happen. OR should I call it "LAW of ATTRACTION".

Few days before the summit, a friend of mine who is also a speaker in the summit ask me if I wan't to attend the summit because she has 1 more available slot for her delegates. And who am I to say no to such a good offer. It was an answered prayer.

Prior to the event, I can't make up my mind if I want to attend stock market and real estate investing because I am doing both. I want to attend both but I can't because they are happening at the same time.I need to select the classes I would attend. But on the day of the event, I got surprised when the ID Badge given to us as delegates were VIP.  It was a JACKPOT because paying for such option would cost me Php20,000. Dilemna solved. And so, I attended the Stock Market Investing classes in the Morning and Real Estate Classes in the Afternoon. And I would say, I learned a lot. It empowered and inspired me again. It puts me back on track from my hibernation.


Let me share with you some of the key points I learned from the two day seminar.

DAY 1

Fitz Aclan: Making Money at any Market using Technical Analysis
What to know:
1. What is the trend?
When will the trend change.

Manulife Presentation : Estate Planning
Wealth is Relative. The more wealth you have, the more relatives you have and vice versa ;)
Estate Planning is imporatant, esp. if your assets are not liquid.

Salve Duplito: Scam Busters
Php 60B - Lost in Scam
It is our duty to share the noise on SCAM.
People into Scams normally doesn't want to admit that it is a scam that they get into, because normally, if no one makes a noise, they will continue to earn until the mastermind run with their money. :(

Hans Sicat
President of PSE
What's up with PSE???
1. PSE EDGE - Mobile Apps on Viewing Companies
- Avail on Android and IOS
- Free
2. PSE Tradex
3. PSE now in Facebook and Tweeter
*** Inflatin might be higher this year. Government spends 2.5% of GDP in Infrastracture

3 Money Making Machine
Fitz Villafurte - Forex is riskier than Stock Market
Tips: Mange your time for trading, Know if you have the mindset, control your greed.
Ivnesting - Long TERM
Trading - Speculating
STRATEGY:
   Short TERM: FOREX
   Gain  from FOREX being put into Stock Market for Long TERM.
   Dividends from Stock Market are reinvested.
   STOP LOSS: 10%
   It's all about money Management
" THE TREND IS YOUR FRIEND, DON'T GO AGAINST IT".


DAY 2

STOCK MARKET INVESTING

Technical Analysis, NOT Memorization.
1. Find Something that is going up and tide it. (DNL,ICT)
2. Find something that is trading higher.
- find Logic in price movement.
For Observation: FPH,MARC,LC,SMC, ROCK, CPM,SECB

Stock Picks:
Puregold - 10% Swing
Nickel Asia -after consolidation
DNL

There is no time frame for consolidation. It can take days, weks, months and even years.


SPEAKER2: Charmel DELOS SANTOS

1. Know the business environment
2. Concepts - Value investor, trend follower
 - know what is good for you.
 - know yourpreference.

The market will do what it wants to do.

MONEY IS NOT WORKING FOR YOU. YOU ARE WORKING FOR YOU. STAY IN CONTROL.

SYSTEM:
1. 10 parts
2. PRocess
3. Perform Review
4. Review/ Improve.

Major RISK AREA in INVESTING
1. System - set a target and measure performance
2. System
3. Personal

VELOCITY of Money - pag-gamit ng pera ng paulit-ulit (money circulation and re-use)

CHARMEL Business Model - Entry, Stop, Exit ad Position Size

Market Risk Factor
Market Dynamics - world affairs,debt issues, movement of meny to asset classes
Market Type Changes - Bull, Bear Chicken
Market Players - Government, Big Money, Companies
Inter-Market Risk - Global Currency Trends.

"MONEY GOES WHERE IT IS TREATED WELL".

Personal Risk Factor
- Investment Psychology - goals, beliefs, conflicts
- Decision Making - Efficiency, over confidence
- Skills - Professonals are in the market. How do you do business with them.
- Personality - are you a rational thinker., emotional?
- Timeframe and Temperament.

POSITION Sizing
- How much you will Risk / Lose in that Trade

Structured Ivnesting Approach
- Bisiness Plan
- Market
- System


REAL ESTATE INVESTING:

EDEN Dayrit
- She was not able to make it to the Seminar due to health reason but she did a video.
TIPS:
1. Build Connections - Pursue People you want in Buisness
2. Just Start. Just do it. Just take the 1st step.
3. KEEP MOVING FORWARD.

Maves Angeles
Create Happy Moments
Our Imagination is our Limit but the world is limitless.
Stop playing unnecessary imagination in our mind. Think Positive.
Stop thinking of what other people will say.

NOLI Aleje" Finding the Flip"
Beleive on who you think you are.
WHY REAL ESTATE - can take care of itself.
When you buy a land, you can't make a mistake as long as it is good.

WHY FORECLOSURE? Property Integrity

CONDO CRAZE - we will have more consumer loans in few years from now. Currently @ downpayment/inhouse.

FORECAST LOANS: Php 1,118,200,000
44,728 units - New Assets Coming Soon (Importance of Liquidity)

Inflation is low.... Not GOOD to hold on properties
Inflation is high..... Good due to appreciation.

Interest Rate - might go up already in the next few months.....
- Be CAREFUL with Annual Repricing

In choosing a property, things to consider:
1. JOB GROWTH
2. PATH of progress (ex. SLEX)

Things to Remember in Checking Properties:
1. Know the History of the Property / Story Behind.
2. Visit the Property M-F, Morning, Lunch, Evening
3. Know Road Conditon at all times.
4. Bring an Index Card for details - front, front left, front right
5. Take picture of the most broken part of the property for negotiation with banks.
6. Know leagal Status
7. Remember - Dirtie or more problems, the cheaper.
8. As much a possible, don't buy wooden houses.


WILSON LEE FLORES (MAXIMIZE INCOME on RENTAL PROPERTIES)

1.Compute and Compute
2. Check Tenants / Be Careful with Tenants
3. Psycho your Rental Prospects.
- People tend to like people on their right.
4. Be nice to other people. Be Fair. Be Humble.


RAYMOND LIM
- "PROFIT FROM PURCHASE"
- Have an Exit Strategy
- REAL ESTATE INDUSTRY WILL NOT BE OBSOLETE
- History will always repeat itself
- Know the Real Estate Cycle
>> NORMALLY IT CHANGES EVERY 2 QUARTERS
>> KEY: Demand vs. Supply
>>> Invest when there is Bigger Population.
-"WHEN YOU FIND VALUE, YOU 'LL FIND MONEY"
Key Indication - Population Demographics
RULE of EXCEPTION: PERSONAL - BUY NOE
-Make most Money @ Flipping options (OPTION TO PURCHASE)
"MOVEMENT OF MONEY IS MOVEMENT OF ENERGY"
-"Property Market is always driven by ONE FACTOR - LIQUIDITY."
- The Higher the LIQUIDITY the lower the Interest Rate.
"ALWAYS THINK INVESTMENT"
>>>> It's Either you Invest or you Consume."
THINK OF DELAYED GRATIFICATION.
BE COMMITTED TO FINANCIAL FREEDOM.

INVEST IN YOURSELF.
INVEST INYOUR MINDSET.
THE PROPER TIME IS NOW.

Do your own chart/ Research.
Minimize Risk. Maximize Returns

BGC - 5 years to profit ore, if possible, transfer money to other property that will give more return.

In summary, I was very happy that I was able to attend this Summit. I learned a lot. The information and tips given by the speakers are still echoing at the back of my mind. Truly, Financial Literary is not expensive compared to IGNORANCE.

I invest in education :)

Every Summit is Different.  If we remain open and humble, we will learn a lot.

FOR MY RATING:
VENUE: Check (Better than 2010)
PRICE: Check
TOPICS: Check
SPEAKERS: Check
Recommend: Check :)

Cheers! See you on the next Money Summit!

Start Early and Be a Billionaire through the Stock Market Part II

This post is dedicated to all parents out there but if you're not a parent and you still haven't invested in the stock market, this is also for you.

This is part II because part I is for my eldest child. I was able to open a stock account for her at age 3. Part II is about our second child. We were also able to open a stock account for him.  He also started early. He is not 3 years old. Not 2 years old. Or not even 1 year old. We're able to open an account for him when he was 2 months old. It was after his baptismal. We used the money gifts he got from his baptismal to open an account. Thanks to all the generous givers. :)

The same with our daughter, our son's account is intended for his college education but in case, we can manage not to touch this investment, He will also be a Billionaire before he reach 70. And since my son opened earlier than my daughter, will he be richer than her ate? We don't know. But we need to ensure that they will be Truly Rich. They need to know the true purpose of wealth which is to help and love others.

I posted this not to brag but to inspire you to start investing in the start market. The BEST TIME to start is NOW. You see SALE everywhere, even at the stock market.


Cheers to our Financial Freedom!!!


PS:
Learn more about the start market, join the Truly Rich Club. :)

STOCK MARKET: Stocks Seen to Test 7,000 Level

I was reading a newspaper in a coffee shop and this article in Philippine Daily Inquirer caught my attention. This is an exciting news especially for investors like me. Check it out.

Local stocks are expected to scale new heights this week as investors weigh in thei mpact of the investment grade rating issued by Fitch shortly before the long Lenten break.

Last week, the main-share Philippine Stock Exchange Commission gained 328.76 point, or 5%, to close at 6,847.47 on Wednesday. The market was closed on Thursday and Friday in observance of the Holy Week.

Jose Vistan of AB Capital Securities, said the main index would attempt to breach 7,000 this week.

"Trading will be upbeat as the Fitch upgrade was announced before the long holiday break," Vistan said.

On Wednesday  Fitch announced the upgrade of the Philippines'  Long-Term (IDR) to "BBB-" from "BB+" with a stable outlook, lifting the Philippine debt grade out of "junk" status for the 1st time in history.

This immediately triggered a new wave of buying at the stock market during the last hour of trade.

"Chartwise the week's close at 6,847.47 implies further tests toward the 6,900-7,000 levels," Jonathan Ravelas of Banco de Oro Unibank. But failure to test those levels could prompt some profit-taking toward the 6,575 to 6,600 levels, he added.

Year-to-date, the PSEi has rallied by 17.8% or 1,034.74 points. The main index has also logged a total of 24 record closing highs since the start of the year.

"We are now officially an investment grade country.... and this is an achievement that we all should be proud of," PSE president Hans Sicat said. "Hopefully, the othe rating agencies will follow suit so we can start seeing more investors participate in the growth of the listed companies and the economy."

Our dream is for the Stock Market to be at 10,000 level and with the thing that is happening this is close to reality. May all of us be part of this history.

Learn more on how can each one of us take advantage of this opportunity. Be an educated stock market investor. Be a TrulyRichClub member.

~ May our Dreams Come True :)

STOCK MARKET: Saved by the Stock Alert

We are a religious follower of the STOCK ALERTs* that Bro. Bo is sending to all the TrulyRichClub Members. But when I read one research done by COL's Analyst on BDO, I got interested and added it in our portfolio. We've been buying BDO since last year but I stopped for some time. This is after I had a little discussion with Mr. Edward Lee of COL Financial last October during the TrulyRichClub Superconference. I stopped buying BDO stock but I didn't sell.

For the past few months, the stock market is going up. It had hit ALL-TIME Record Highs. Last month Bro. Bo sent an Stock Alert on adding DNL in our portfolio. The expected gain is quite high and I was thinking of selling our BDO shares to take advantage of this gain. Besides, BDO is not part of our SAM list.

However, there was a slight correction last week in the stock market and I forgot about selling. Then this morning, we received an Stock Alert from Bro. Bo. We are now adding BDO in our SAM list. Whooo. Saved by the Stock Alert! There is still a lot of room to grow on this stock. Nothing just happen. :)

By the way, the StockAlert is one of the Perks that a person gets in being a member of the TrulyRichClub. The StockUpdates are emailed twice a month while StockAlerts are emailed depending on the need. This serves as a guide for TrulyRichClub members who are invested in the Stock Market using the SAM strategy. To know more of the SAM strategy, you can read the Book of Bro. Bo entitled "The Turtle Always Win". A review of this book can also be found on this link.

Start your Stock Market Investing Journey NOW and Create your Millions in the Stock Market. Stop delaying.  Be a TrulyRichClub member and be an Educated Stock Market Investor, click here now.



* Stock Alert - An email sent to TrulyRichClub Members alerting them for a BUY, SELL and HOLD advise.

STOCK MARKET: Don't Interrupt the Compounding

One of the benefits of being a TrulyRichClub Member is we got to receive a Bi-monthly Stock Update from Bro. Bo Sanchez and Mike Viñas.

I would just like to share some parts of the Stock Update with you.

DON'T INTERRUPT THE COMPOUNDING
If You Withdraw P50,000 Today, You’re Withdrawing P1 Million Tomorrow.

Oh, I know it’s tempting.

When the stock market is growing sweetly (like now), it’s sooooo tempting to withdraw “just a little bit” for 

that new ladies’ watch. Or a Hong Kong vacation. Or a birthday party in Boracay.

As much as possible, DON’T.

If you withdraw, you’re interrupting your compounding—the greatest mathematical force in the universe.

Let me give you an example…

Johnny saw that in a span of 18 months, his stock market fund has already grown from P100,000 to P150,000. 

He’s ecstatic. He’s thanking God. He’s inviting friends to join him at the TrulyRich Club. (Very good!) He’s 

dancing the gangnam dance.

But then one day, while walking in a mall, Johnny sees this really nice “spaceship-looking” gizmo that 

functions as a cellphone/coffeemaker/vacuum cleaner all rolled into one. It can make phone calls. It can make 

coffee. It can clean your house. It’s astounding. (Okay, I’m exaggerating. But I’m simply saying that there’ll be 

temptations out there that are very real.)

The price? P50,000.

Definitely not in Johnny’s budget. Unless…

He thinks of his stock market investments.

He’s got the money.

He decides to go for it!

He withdraws P50,000 from his stocks and buys the gizmo. He can now talk to his girlfriend and make 

coffee and suck dust from the living room’s carpet.

Question: Did he really withdraw P50,000 only?

Nope.

In 20 years, if his stock market investments grew by 16 percent a year, his total money would be LESSER 

by P1 Million.

Why? Because he interrupted the compounding.

I’m not kidding. Compute it yourself.

I urge you: Avoid withdrawing from your stock market investments.

If you feel tempted, just remind yourself: “When I withdraw P50,000 today, I’m actually withdrawing P1 

Million tomorrow.”

May your dreams come true,

Bo Sanchez

This is just the 1st part of the stock update. The second part is an update from Mike. The title of his article is "Stock Market Success Does Not Require Market Timing". He said that it is possible to make good money in the market without having to consider timing by following the Four (4) Strategies below:

1. Use Long Term Money - Invest only the money that you will not need in the near future.
2. Buy Regularly at Buy Below Price - Buy every month or every quarter but ensure that it is at our Buy Below Price.
3. Use Peso Cost Averaging - buying shares with a fixed amount of money on a regular basis (as mentioned in # 2). The advantage to this strategy is that it makes investing more affordable and it takes emotions out of investing.
4. Add Some Stocks with High Dividend Yield - Choose stocks whose earnings are not expected to drop and have capital appreciation potential. In our case it is MER. It's dividend yield of 3%.

Mike also discussed more news and details on MER and DNL to explain why these stocks were chosen to be in our SAM list.

Aside from the 2 articles of Bro. Bo and Mike, they are also sending an updated list of our SAM table for the BUY Below Price, TARGET Price and Action to TAKE in case there are changes.


By the way, the STOCK Market today is so exciting. It is having a slight correction. As investors, we like it when stocks go down so that we can all buy at cheaper price. But no one knows the market and to be safe, better to START NOW and follow the 4 strategies given by Mike or better yet be more educated and get REAL-TIME Stock Alerts from Bro. Bo by joining the TrulyRichClub.



~ May our dreams come true.
Cheers to PSEi being at 10,000 soon! :)

STOCK MARKET : You Think The Stock Market Has Gone Up A Lot?

This is an excerpt from the Soulfood Newsletter I received last week. This is an invitation from Bro. Bo Sanchez.

You Think The Stock Market Has Gone Up A Lot?


So many people are talking about the Stock Market today!

Because it has gone up like crazy.

And my TrulyRichClub members are dancing the boogie, singing hallelujah, and hugging everyone they meet on the street.  They’re so happy.  They’re thanking God for the day they joined the TrulyRichClub last year, or two years ago, or three years ago…  Because they learned how to invest in the Stock Market, and their money has been multiplying like crazy too.
Sadly, I’ve talked to HUNDREDS of people who told me, “Bo, I wish I joined you last year and learned how to invest in Stocks.  But I became busy.  Shucks, did I miss the boat already?”
Hey, It’s NOT too late.
But STOP DELAYING.

What happens if you join TrulyRichClub? 
Aside from getting a truckload of the best material from me on how you can gain an abundance spirituality and financial mindset, you also get my personal GUIDANCE on how to create your millions by investing in the Stock Market.

Do you think the Stock Market went too high already? 

Our prediction: This rocket ship will still fly higher because there’s still a lot of rocket fuel to burn.  And even if it rests a bit and takes a pit stop in some refueling station in space (and I really want it to rest so I can invest more at cheaper prices), in the long term, nothing beats the Stock Market in giving you the best returns.
If you’re not yet investing in the Stock Market, you’re missing out on the great bull market of the Philippines.  Amazingly, the Philippine Stock Market has been the best performing Stock Market in the world.

Come ride this rocketship.  It will continue to ride to the sky. 
With or with you.

To join the TrulyRichClub, click here now. 
May your dreams come true,

Bo Sanchez
PS.  Stop delaying.  To create your millions in the Stock Market, click here now. 

*****
We've been a member of the TrulyRichClub since February of 2010 and all I can say is that everything was all worth it. It is true that how we wished that we had started earlier but it was never too late because the best time to start is always "NOW". We still have a long way to go. Only less than 1%  of our population is invested in the Stock Market. And everyone seems to recognize the opportunity. Come. Ride with us now. Don't just be an Audience. Be a Passenger or rather be the Driver of your Great Future. :)

STOCK MARKET: Bull Market vs. Bull Run

I read an interesting article  in the Business Section of the Philippine Daily Inquirer Newspaper today written by Den Somara under his Column Market Run which is entitled "The Bull Market and the Bull Run". He is a Licensed Stock Broker of Eagle Equities Inc.

According to the article, many are confused on what is happening in the stock market. Many were expecting a correction but it never got sustained. Prices will be low in a few days but it will rise again and outperformed the previous weeks. Whether the prices will go down soon will only depend on the kind of buyers. It will not go down if they are taken by the "long-term buyers". However, prices will go down if they are taken by the "short term buyers" or speculators.

Below is what I have noted from his article:

BULL RUN
 > Series of price movements.
 > It is prolonged and characterized by daily gains.

 > It is the period where there is a run of stock prices.

BULL MARKET
 > It is characterized by a sustained rise of share prices.
 > It happens when the the economy is strong, people have money and are willing to spend it. Demand becomes stronger. Market prices go up.

> It is the time frame at which such price run happens.

Another information I have noted is "If the daily price increases are sustained for at least 5 trading days, the stock,sector or index could be in a run." If the run is the result of rising prices, it is called a rally, a BULL RALLY.


It was such a great and informative article. Hope you get something from what I've shared.

~ May our dreams come true. Cheers to PSEi being at 10,000 soon! :)

Online Stock Broker: BPI TRADE Had Improved

Ever since I had invested in the stock market, I was using the service of an Online Stock Broker. For our US account, we had use Smith Barney, UBS and ETRADE. For our account here in the Philippines, we had started with BPI TRADE then added Citisec Online (now known as COL Financial) because of the EIP* strategy that they are offering. I never let go of BPI TRADE because the time I opened an account in COL, some of my stocks in BPI TRADE are having paper loses.

Right now, I still maintain some of my stocks in BPI TRADE but I add up to our investments in our COL account. Just today, I was reminded to check on my stocks in BPI TRADE and surprised that I can't get through. Then I found that they migrated to a new URL Login Page. I also found out that they had upgraded their site which is almost similar to the pages and infos that can be seen in COL Financials.

Their landing page after you log in is far better than before and they already have new tabs with very informative drop down menus. The upgrade that I appreciated the most is the "View Porfolio". Previously, when you view your portfolio  you can only see your position and would not know whether you gaining or losing. This view option was already present in the COL website ever since I opened an account from them.

I am still a loyal client of COL Financials but I would still want to congratulate BPI TRADE for this a great improvement. Thank you for keeping up with the competition. There are are still a lot of Filipinos that needs to know the advantage of investing in the stock market. We're just a few years for PSEi to reach 10,000. :)

Think Rich Pinoy Wealth Seminar Last February 9, 2013

The last Think Rich Pinoy Wealth Seminar was held last Saturday February 9, 2013 at Enderun Colleges in BGC Taguig City. Yours truly was again given an opportunity to serve in the TRP Wealth Seminar last Saturday. My husband was in the technical while I was the timekeeper. We also facilitated during the Cash Flow 101 Board Game.

There were two new speakers namely Leila Hernandez, Author of the 9 to 5 Millionaire Book and Edmund Lee, Research Analyst of COL Financials.

Below are the lessons I have learned and Noted from the speakers:

1. Bro. Bo Sanchez ( The Theology of Money)
       • Our Financial Life can be divided into 3 phases:
             o Phase 1: Desert Experience (Not Enough)
             o Phase 2: Desert with Manna Experience (Just Enough)
                 This is addicting but never gets addicted to it. We need to learn how to move to the next phase.
             o Phase 3: Promised Land Experience (More than Enough)
      •  Money is everywhere. The Purpose of Wealth is to help others.
      • Value your Financial Education. Free is not good. “Kailangan may taya”.

2. Sir Larry Gamboa ( Scaling up your Real Estate Start Up)
      • Action brings clarity.
      • Make your 1st step.

3. Eden Dayrit Alemania (4Fs – FIND it, Fund it, Fix it, Flip it)
      • Accumulate More properties for passive income
      • If you are jobless, you need a co-borrower for a bank loan.

4. Ronald Cagape (Numbers in Real Estate)
      • When still starting and still building capital, do buy and sell.
      • If with available capital, buy an income generating property.
      • Remember that you make a profit when you buy.

5. Edmund Lee (Investing in Real Estate through the Stock Market)
      • Investing is a need – For Retirement and to beat Inflation
      • The key in choosing a stock is Management (CEO).
      • Currently, stocks of Real Estate Companies are not yet bullish.
      • Tip: The Next Walmart  - Puregold ;)

6. Leila Hernandez (9 to 5 Millionaire – A Real Estate Start up)
      • If you invest in paper assets, you are like a Virtual Business Owner
      • Loan Refinancing have an added cost but can be waived depending on our relationship with our banks.
      • It is not advisable to invest in a lot that you will use for your dream house in the future. Better to invest the money in an instrument that can give you a high gain then buy your dream house in the future in CASH,
      • Her advise:
            o Hold on to your current job and do your best
            o Do your investing after work (weekends).
      • The key is Discipline and Integrity.


Being a servant in the TRP seminar for almost 2 years really  changed my life. Every now and then, there are new things to be learned. I learned  by serving. Indeed, every seminar is different not only because of the topics discussed and new speakers but also because of the people I meet. It also gave me a feeling of fulfillment knowing that I was able to be part of the TRP vision of creating millions of Filipinos by 2020.

 I also want to quote Sir Larry on One of the Secrets of the Winners is their Commitment to Mastery. Keep on learning. Invest in your financial education. If you think Financial Education is Expensive, Try Ignorance. ;)

I hope to see you in the Next TRP seminar on April 06,2013. I am not sure if I can still serve that time because it will be just few days before I give birth to our latest blessing.

May our Dreams Come True!

WHAT IF.... You Volunteered or You were Volunteered?

This question came into my mind when I was invited by Dr. Larry Gamboa Author of Think Rich Pinoy Book to give a Testimony on Real Estate and Stock Market last Monday May 14,2012 to the Retirees of La Salle - College of Saint Benilde. The Seminar is entitled " Life After CSB" which has four parts:


Part 1: Monday morning "Managing Change and its Challenges on Time and Life.”
Part 2: Monday afternoon “Managing Financial Opportunities for a Better Life”
Part 3: Tuesday morning “Exploring Business Opportunities and Employment in the Corporate World”
Part 4: Tuesday afternoon is specifically only for the retirees.



I was honored and blessed to be able to meet these great people. Actually, I was thinking that our audience would be of the retiring age of 65 years old but there were also young faces in the group. I learned that "VERO" or Voluntary Early Retirement Offer was offered to the CSB employees and the attendees were those who availed.  They will be receiving a good package. I also remembered that such thing was also offered by my previous employer when they needed to do some cost cutting measures but they named it differently - RIF or Reduction in Force.

But what is supposed to be the meaning of Retirement?
As per Wikipedia, Retirement is the point where a person stops employment completely. A person may also semi-retire by reducing work hours. Many people choose to retire when they are eligible for private or public pension benefits, although some are forced to retire when physical conditions don't allow the person to work any more (by illness or accident) or as a result of legislation concerning their position.


Whatever the purpose of the retirees in availing the VERO it is good to know that CSB made an effort to prepare them for the "Life After CSB". The speaker of the first part of the seminar was the CSB HRD Manager. He discussed the "Who Moved my Cheese" Book and it was so relevant to the theme of the seminar.

The speakers for the 2nd part of the seminar was Aya Laraya of Pesos and Sense. He talked about the advantage of Investing in the Stock Market. I have heard Aya talked for many times already but there is always something that I learn whenever I got to listen to him. It was also a blessing to be able to discuss stock market with him and get tips on his preferred companies - MPI, MWC and the three major Banks.

My testimony was after Aya. I shared about the advantage of investing in both Real Estate and Stock Market. My sharing focused on my two Real Estate deals and Stock Market Performance from the Year I started investing in the Stock Market to present.

Sir Larry spoke after me and he discussed How to be become a MAVEN. He inspired the group to find their passion and monetize it. They can use it to generate income after CSB.

The response of the audience was overwhelming. They appreciated our sharings.

It was also a blessing to meet Dean Pax Lapid of GoNegosyo and be able to discuss Stock Trading with him. He recommends to have two Citisec Account. One intended for Long Term Investment and one for Trading. He advised me to only invest less than 1/3 of the amount I have in my account intended for long term. He mentioned that he preferred Holding companies specifically DMCI.

It was truly an overwhelming and a different experience especially thinking that you were able to share my experience to these people. I am greatly honored and thankful to Sir Larry for inviting me to give a testimony to the people of CSB. Thank you also CSB for the tokens below :)

My 4 Year Old Daughter Earned 36% in the Stock Market in Less than a Year

I missed writing and blogging. It's been a while since I posted in this blog. I will try to post more in the succeeding days :)

It was just that I am very excited to blog above my daughter's earning because it is an evidence of how powerful the Stock Market is in terms of investment. You can view my post about opening a COL Account for my 3yo daughter who is now 4yo in this link.

Initially, we planned of investing a fixed amount every month in her account but due to some changes in plan, we're not able to religiously do it.  But still based on our records, we're able to add in her account 15 times in less than a year. And I am happy to report that she already gained an overall of 36% after Market closed today February 6 following Bro. Bo Sanchez advise to the Truly Rich Club Members.

My daughter's account have only four companies in her Portfolio and all of them are positive. Percent gain ranges from 4.4% to 30.74%.

Her Total Account Equity Value is not much right now but if we stick to our plan of adding up to her account whenever we have windfalls, I know we can get there. As the saying goes, "DREAM BIG. START SMALL."

By the way, we have a son who'll be seeing the beauty of the world mid of this year and we plan to open an account for him before the year ends.

It pays to be early. Just take a look at the illustration below. It only shows that if you Start Early, you can Be a Billionaire in the Stock Market.

Figures taken from a COL Financial flyers/leaflet. :)

Think Rich Pinoy Wealth Seminar Last March 17,2012

The Last Think Rich Pinoy Wealth Seminar was held is the Citisec Training Room 24th Floor East Tower Tektite Building last March 17,2012.

Yours truly was invited to be one of the speakers. Other Speakers aside from Larry Gamboa were:


1. Bro. Alvin Barcelona
* Feast Builder of Light of Jesus Community.
* Rock-Preacher
* Enterprenuer. Owns a School and other mico businesses.


2. Jay Castillo
* Owner of www.foreclosurephilippines.com
* Real Estate Investor and Licensed Real Estate Broker



3. Aya Laraya
* Realtor
* Writer
* TV Host
* Certified Securities Representative
* Certified Investment Company Representative

3. Marivic Salva-Angeles
* Real Estate Investor
* Licensed Real Estate Broker
* President of Happy Homes Realty
* Marketing Consultant of Think Rich Pinoy Realty

4. Grace Lucker
* Interior Designer
* Handy Woman
* Owner of Urban Dweller Management Creative Solutions



5. Eden Alemania-Dayrit
* Chemical Engineer turned into a successful Real Estate Investor.
* Bought, Renovated, Leased and Sold more than 28 Real Estate Properties.


6. Ronald Cagape
* Real Estate Investor
* Licensed Real Estate Broker
* Resident Cashflow Game Master of the TRP Wealth Seminar
* Publisher of www.livingcashflow101.com and www.smalldealblueprint.com


Each Speaker discussed different topics related to Real Estate.

Bro. Alvin was the first speaker. He discussed the Theology of Money. It sets the mood and mindset of the attendees on the purpose of wealth. He also discussed the strategy he used in acquiring the real estate property where his school is now operating which is the FIND > FUND > FIX > KEEP strategy.

Sir Larry Gamboa was the second speaker. He talked about how he got into real estate and how everyone can be a MAVEN or Expert in REAL ESTATE. He said that ACTION Brings CLARITY. We need to act to get things together.

I was the 3rd Speaker. I related Stock Market and Real Estate. I mentioned why we need to invest in both vehicles. I compared the two side by side based on nine criteria. I also discussed WHAT strategy I used, WHY and HOW I DO IT as shown below.

The fourth speaker was Jay Castillo. His topic is doing the numbers in Real Estate. He gave a CASE STUDY and also showed how to compute the ROI in real life as shown below:

Next was Aya Laraya. He discussed more about Building Wealth in the Stock Market and Citisec's EIP Program which is the better way to go in the stock market than doing market timing.

Maves Angeles was the next speaker. She discussed the Five Ways to Prosper in Real Estate as shown below.

Grace Lucker spoke after Maves and discussed how to stage and rehab an ugly property. She mentioned that a real estate investor shouldn't be afraid to buy ugly houses because it is easy to make them pretty. She also showed pictures of some of her great projects. She also mentioned that looking for a great property, we need to look for the Triple D:

Eden Dayrit spoke next to Grace. She shared her background and how she got into real estate. She mentioned that she went into hiatus for a year to work on some important matter but now that it everything is running smoothly again, she will be back into real estate investing. It was noted that even though Eden went into hiatus for a year, she was able to get by because of the passive income she's getting from her previous real estate investments.

The last part of the Seminar is the Cashlow Board Game which was spearheaded by Ronald Cagape. All the attendees enjoyed the game. I was blessed to be one of the facilitators and also learn strategies from the players. Ronald also announced the launching of his new site (www.SmallDealBlueprint.com).

Without being biased, I can say that the attendees were happy after the seminar based on their written feedback. Being a servant in the TRP seminar for the past few months changed my life. Every now and then, I learned new things. I attended the TRP Seminar May of 2010. It's been almost two years and I am still learning by serving. Every seminar is different not only because of the topics discussed but also because of the people I meet and knowing that in one way or the other we learned from each other. It also gave me a feeling of fulfillment knowing that I was able to be part of the TRP vision of creating millions of Filipinos by 2020. I also want to quote Sir Larry on what he said during the TRP Mastery Academy that " Experts are students first, servant always".

I hope to see you in the Next TRP seminar on June 02,2012. I am not sure if I will be invited to talk again but I am sure that I will still be there to serve by facilitating in the Cashflow Board Game.

May our Dreams Come True!

Start Early and Be a Billionaire through the Stock Market

Finally, I was able to open a CitisecOnline account for my 3 year old daughter. I was able to buy few company stocks from her savings.

Her savings account was opened few months after her baptism. We put all the money gifts given to her in that savings account including the money we got from selling her old stuffs.

I know you have a lot of questions in your mind. Let me answer them now.

Why invest rather than keep it in the bank?

• Saving in a bank is good for accumulation only but not for appreciation due to very minimal interest that it offers.
• Bank offers a guaranteed interest of 0.5% to 3% p.a. only
• Stock Market doesn't offer any guaranteed interest but money growth is averaging at 10% p.a.
• To generate future purchasing power and keep ahead of inflation which is averaging at 7%.
• My daughter will not be needing the money in the years to come.

Why in Stock Market?

• History has proven that investing in stocks over the long term provides greater returns and protection against inflation compared to other investment vehicles.
• Better gain if done correctly. Investing rather than trading.
• More Control on what company to buy rather than getting a Mutual Funds which are also investing in the stock market.
• Lesser commission charges. Commission is only charged upon buying and selling of stocks. Whereas in the Mutual Funds or other Managed funds, you were charged a certain management fee every year or every month depending on the Company.
• You own a Business without the headache. You share with their success but also share with their losses (Stock Value).
• Aside from the expected gain (capital appreciation), some companies give DIVIDENDS. This is a tiny part of the company's profit.

My husband and I agreed not to get an educational plan for my daughter due to the recent troubles encountered by the customers of Pre-need Companies. According to some report, about 29 other pre-need companies may end up like Prudential Plans Inc. We have already created a plan on how to maximize our investments to cater for both our retirement and educational plan of our daughter. With our computation, we can get her tuition fee from the earnings of her stock investments. Our plan is to invest every month on our daughters account. If in the future, we can manage not to touch our daughter's investment for her tuition fees, she will end up a multimillionaire. And if she continue investing in her account once she is already capable, she will be a billionaire at age 70. That is if she will not increase the amount that we are previously putting in her account. In case she will, she will be a billionaire earlier than 70 years old.

So far, this is our plan. Let's accumulate wealth and be a Blessing to Many!

To our Financial Freedom! Cheers!

PS: 
If you have other questions, please leave a comment and I will try to answer you to the best of my ability.

STOCK Update: Don't Listen to the Noise

Being a member of the TRULY RICH CLUB, we got to get monthly Stock Updates from Bro. Bo Sanchez and his Stock Market Mentors. Aside from this, we are also able to receive Stock Alerts from time to time depending on market condition. These updates and alerts were very useful for us who are following his advises. We were able to realize a pretty gain on our investments for the past 2 years.

I would just like to share with you an excerpt from the Stock Update that we received yesterday.

“Don’t Listen to the Noise”

The difference between a successful stock investor and an unsuccessful stock investor is this: The unsuccessful stock investor is preoccupied with the market—its ups and its downs. The successful stock investor is focused on fantastic companies.


Warren Buffett, the greatest stock market investor in the world, said that if they closed the stock market for five years, it wouldn’t bother him. Why? Because the ups and downs of the market is noise to him. He doesn’t care about it. He invests in growing businesses, period. Not the stock market.

The key? To invest each month in fantastic stocks.

That’s why Warren Buffett’s investment horizon is 10 years to forever.

For example, when CEB, EDC, and FPH dropped almost 10 percent, that was noise. Peter Lynch, another legendary stock market guru,said: “The key to getting rich in stocks is not getting scared out of them.”

Out of the 10 companies we’re recommending, some companies are like eagles flying high today, such as ALI, MBT, BPI, NIKL. (We predict they’ll go higher.)

Some companies are horses that are galloping nicely, like CEB and SMPH.

Some companies are turtles crawling in the mud, like JGS, AP, EDC, and FPH. We believe that they’ll have their day to shine. We just don’t know when.

But all that is noise. They’re eagles, horses, and turtles now. In the future, they might be exchanging places.

So if you have the money, invest in all of them. Or buy five this month and buy the other five next month.

If your investible funds each month are smaller, then buy two or three different companies each month.

Which should you buy now?

If you’ve been doing SAM for some time, I suggest you buy some or all of our new recommended

companies: BPI, NIKL, JGS, and SMPH.

My other suggestion? Block out the noise.

Remember: Becoming wealthy is simpler than you think.

Happy investing!

May your dreams come true,
Bo Sanchez

We already bought stocks from the Initial List of Bro. Bo's recommended companies. We haven't bought all the new addition to the list but we are planning to buy some soon. So far we are happy with our stock investments. The image on this side will show you how is it growing. We have one stock that is at a loss (on paper) but we don't listen to noise and thus we are not bothered. We just keep on investing because TODAY is the RIGHT TIME to SOW.

May this bless and convince you to invest in the stock market and be part of the 15% who will make money in the stock market.


Enjoy your Journey to Financial Freedom!!!



PS:
Should you have any question on this post or on stock market investing, please leave a comment or contact me here.

The Philippines is On the Verge of a Major Economic Boom

This is according to the special report published by Wealth Daily. They said that the Philippines booming economy has greater investment potential than China 10 years ago and it is currently on the Sweet Spot, take off stage or the critical point where fortunes can and will be made.

Also, according to them, the Philippines got what it need for this boom to really escalate: natural resources and solid relationship with foreign companies wanting to mine.

This is good news for all of us Filipinos. This means that there's still hope for the Philippines. It may not take some time but we are going there. We just need to be patient and do our best to be part of this development. We can contribute in our own little way. We can start by these "12 Little Things Every Filipino Can Do To Help Our Country by Alex "Pinoy" Lacson".

1. Follow traffic rules. Follow the law.

2. Whenever you buy or pay for anything, always ask for an official receipt.

3. Don’t buy smuggled goods. Buy local. Buy Filipino.

4. When you talk to others, especially foreigners, speak positively about us and our country.

5. Respect your traffic officer, policeman and soldier.

6. Do not litter. Dispose your garbage properly. Segregate. Recycle. Conserve.

7. Support your church.

8. During elections, do your solemn duty.

9. Pay your employees well.

10. Pay your taxes.

11. Adopt a scholar or a poor child.

12. Be a good parent. Teach your kids to follow the law and love our country.


PS:
Today is the right Time. Invest in the Philippines through the Stock Market or other investment vehicles. But I am biased to Stock Market. I'll discuss why on my next posts. >;p

My PISO Dream and Journey Continues...

I haven't update this blog for quite a while. I don't have an intention of abandoning it but some things changed in my life which also changed the manner I update this blog. My personal struggles and stories will be shared in this blog soon. I know you can relate to my stories.

So what made me post again?! We'll I didn't realized I wanted to be an author until I meet this person who inspired me and made me realize that I have the skills in Stock Market Investing that I can hone and use to help other people. Thus, I am striving really hard to improve this skill.  Part of the plan is to regularly update this blog. It can by about the stock market, real estate, funds, interesting investment or  anything that we could relate to "PISO".

Join my in my Journey and let's enjoy the ride and learn from each other. ;)

Blessings!!! :)

To our Financial Freedom and Beyond!

Rice Price Increase

Few years ago, our cafeteria is only charging us 3 pesos for a cup of rice. Just this year, they have increased it to 4 pesos. And today, we received a memo from our company that they will increase it again from 4 to 6 pesos.

The good thing is that our company will subsidize the additional 2 pesos. We will still be charged 4 pesos/cup. Thanks to the management. This is still a potential savings of 1040pesos/year for us.

We Feel it Now

Hubby and I are working in an American Semicon Company. We have 5 major sites.We have San Jose CA, Minnesota and Texas in the US. We have a plant in Cavite and an office in Taguig (The Fort) here in the Philippines.

We start to feel the US crisis last month. Lay-offs happened in Minnesota. Our Texas plant is shutting down - this is an old news but we know that somehow it will affect our stock price. The recent happening was last Friday. Lay-offs happened in our San Jose site. Approximately 50-100 people lose their jobs.

This worries us because whenever layoffs happened in our major sites, something will also happen in our Philippine sites. We normally have voluntary resignation. There were benefits given but it can't sustain a lifetime. To have a business or a regular source of income is still the best option. One thing that worries me is our EF which is still way behind our target. We're only at 17% so we need to tighen our belts more. We need to revisit our expense file and check how can we improve further. We just hope and pray that it would not happen here.

Did I made the Right Choice?

Our company recently announced the spin off of one of our subsidiaries. Most of us employees are also shareholders because they had given us an option to buy shares thru salary deduction at 15% off the market price.

They explained to us the impact of this but I didn't make any move. Yesterday was already the start of the "BLACKOUT". Hope I did the right choice. Let's just watched and wait for the news after 2 weeks. More news here.

RECESS

When I was in elementary and highschool.... i love RECESS time.

Now that I'm working... i hate RECESSION.

Waah... Recession na naman daw.
Sayang... I was not able to take advantage of the upturn.

My supposed to be sale of company stock is now down by 70%.

Lagot.... looks like our #1 2008 Financial Goal will be affected.
We need to create a back-up plan and keep our fingers cross...