What is a nice investment?

Simply put, how you live your life can be the nicest (best) investment you can ever have/do because this has impact in your present and future life as well as the afterlife (we believe in that) when your mission on earth is over.

Have you been living life out of “love,” regardless it’s Valentine’s day, or otherwise? I think that’s a very important review question that will dictate your purposes for investing.

While living in this planet, some investments will give you tears as exemplified  in the latest ad (below) of a company you partly-own 🙂 😉  [ sshh! Don’t tell anyone you own few Jollibee mascots 😉 that earn money during kiddie parties. ] Continue reading

Advertisements

How my kid’s twenty pesos* is turning into millions?

I wanted to title this review as “My Kids invest in the Stock Market (
and why you & your kids should too?)” but I decided not; because it will just remind you of one of my favorite books “My Maid Invests in the Stock Market” written few years ago by Bo Sanchez.(get here the free eBook).

Last July 2016, as an update, one of his MAIDs already MADE her FIRST MILLION! Are you not amazed? How can someone with 7k salary set aside or make about 12k monthly to get 1M only after seven years? What the Bunso is doing can give you a clue … (read on)

Continue reading

Nakamamatay! Discipline of practice saves.

[Updated August 4, 2016] Ngayong araw, may nag-set ng world record sa pag-skydive ng walang parachute! Warning: Do not do this at home, nakamamatay!

Nangyari ito sa loob ng dalawang minuto lamang. Instant di ba? Gusto natin lahat yan. Instant fame. Madaliang achievement. Pero ang makikita lang sa video sa ibaba ay yung mismong two minutes bago marating ang accomplishment na world record.

The breathtaking drop:

Continue reading

“Save” more from “Spend”?

Si Ate pala ay may savings pa rin taken from the supposed “Spend” envelop?

Confession n’ya yan while we were on #JFC ice cream and value meal date the other day – matapos makabili ng (a) ibang school supplies (world map, etc) for her school project, (b) some stuffs (small chunks of nuggets, ham and hotdog) from #PGOLD, and (c) a minimum boardlot of 10 shares of #BPI stocks for about nine hundred pesos only.

Yan ay bukod sa kanyang (allowance) savings na ipinahahawak sa akin to be deposited as her payment sa kanyang future self through her investment account.

Natuwa ako dahil mukhang nagiging habit na ang pag-save. Ito lang kasi ang tanging paraan para makapag-invest ang isang tao.

Concerned lang ako. Continue reading

Total Cash “Payment” (to yourself). How bank payment slips can help both kids and the not-so young?

Sa tingin ko, mahusay na idea na gamitin n’yo ang payment slips ng mga banko sa paglagak ng inyong savings para sa inyong investment accounts.

Ang dahilan ay mas mauunawaan ninyo ng husto ang konsepto ng pagbabayad muna sa sarili (pay yourself first kung tawagin sa Ingles; nabanggit din yan ni FQ Mom Tita Rose sa kanyang mensahe sa inyo).

Sa totoong buhay kasi, maraming tao ang madalas magbayad sa iba pero kinakalimutan at hindi binabayaran ang sarili.

Andyan ang bayaran nila ang mga may-ari ng Meralco (kuryente), Maynilad (tubig), bahay (na inuupahan o hinuhulugan), mga gumagawa at nagtitinda ng pagkain, mga nagbibigay ng serbisyo tulad ng tsuper ng jeepney at tricycle. Pero ang sarili hindi binabayaran.

Kasakiman ba na bayaran ang sarili? Continue reading

Lagi magpasalamat

Dapat laging pahalagahan ito: Being grateful.

Parati magpasalamat. May pera man o wala.

Kasi nga naman kung complainer (mareklamo) ka, lalo lamang lalayo sa’yo ang grasya (blessings)! Kaya para makasigurong lalapitan ka ng blessings, alam mo na ang gagawin mo. 🙂

May kasabihan akong nabasa noon na “gratefulness leads to contentment and abundance.”

Be very blessed by watching this life-changing discussions about gratefulness and other important life values: Continue reading

Relationship versus money

Relationship is still the most important of all. By that, I mean your relationship with God and His people.

Para maging makabuluhan ang relationship na ‘yan, ang pinakamahalagang katangian dapat ay “loving”(mapagmahal) ang uri ng relationship na ito.

 

 

Ang tamang technique Continue reading

Paano iiwas sa scam?

Listen to this victim from a latest news story:

“First, I invested P50,000, which grew to P60,000,” said the victim, a government employee who invested the money …

“The victim added that he was told that his initial investment was used to buy shares in San Miguel Corp., a claim that he could not verify. Although unverified, he decided to “roll over” the P60,000 and, in a span of three months, was told that it grew to P100,000.”

May mali di ba?

Sinabihan s’ya na ibinili ng stocks ng San MIguel Corp (SMC) pero di n’ya ma-verify kung totoo. Nagtiwala pa rin. Ipinasok pa rin lahat ng pera (principal at tubo nito). Sinabihan ulit s’ya, at malamang di na naman nai-verify, na yung P60k n’ya ay naging P100k na! Pagkatapos, lumabas na ang news story.

Ang totoo, paulit-ulit na lang ang ganito (check “Further reading” sa ibaba).

$$$

$$$

Ano ang gagawin ko? Continue reading

Daloy ng pera

Dumadaloy ang pera kaya madalas tawagin itong “cashflow.”

Masayang isipin kung dumadaloy ito patungo sa’yo (inflow). Pero kung bumabaha ang paglabas ng pera (outflow), puwede maging miserable ang buhay ng isang tao.

Journal

Dahil marunong na kayo magsulat ng journal, may nahanap ako pwede n’yo magamit para sa inyong intentional awareness ukol sa pagdaloy ng grasya kahit allowance (at kaunting EARNings) pa lang yan sa ngayon.

Madali lang kasi “fill in the blanks” lang s’ya.

Pwede n’yo itong balik-balikan para makita ang inyong progress habang tumatakbo ang panahon. Ang totoo, malaking bagay din sa akin ang journal na ito. Hindi lang kasi s’ya pambata.

Kung seryoso ka sa tinatawag na financial stewardship (pangangalaga ng pinansyal na grasyang kaloob ng Maylikha sa atin), maige na balik-balikan ang fill-in-the-blanks na journal na ito.

I-click (sa ibaba) para makita ang Journal:

  • Nagalak ka ba sa pinagkagastusan mo kamakailan? Bakit?
  • Alin sa mga ginastusan mo ang pinagsisisihan mo ngayon? Bakit?
  • May spending habit/s ka ba na kailangan i-improve? Paano ang plano?
  • Paano ka pa makakapag-save?
  • Kapag malungkot(naiiyak)ka o masama pakiramdam mo, ano ang mga mabuting bagay na maari mong magawa na hindi mo kailangan gumastos ng pera?

Continue reading