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

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

Buy and Hold

Buy and Hold ang strategy na ginamit ninyo nung bilhin n’yo ang mga companies and fund/s (FMETF, etc) na nasa portfolio ninyo sa ngayon.

voteWisely

Ang Election ay isang investment na “buy-and-hold” ang kailangang investing style (Photo taken: St. Peregrine Laziosi Shrine – Muntinlupa City)

 

Sakto sa inyo ang “buy and hold” strategy dahil long-term naman ang investments ninyo. 30 years, remember? Tapos meron na ang bawat isa ng halos Php 6 Million na sakaling marating ninyo, ay ipinagdarasal ko na hindi makasira sa inyong mga pagkatao balang araw.

 

Katangian ng ‘buy and hold’ – 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. ūüôā

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

Spending (Paggasta)

'I'm done with school because all I need to make a living is to know how to persuade my dad to give me money!'

Hmmm… Not so good source of money for spending. A more sustainable source of money for spending is yourself and your investments. (Image source: Cartoonstock.com)

Magandang pag-usapan yung pangatlong bahagi ng money cycle: 1)Earn, 2)Save, 3)Spend, 4)Donate.

Spend.

Ito na marahil ang pinakamadaling intindihin sa bahagi ng money cycle. Araw-araw kasi itong ginagawa. Mas madaling maintindihan at mapaghusayan kapag araw-araw na napa-practice. And practice makes perfect.

Kumakain tayo araw-araw. Walang mintis yan. May gastos(spending) yan sa bigas, ulam, tubig, asin, mantika, asukal, paminta, gas o kuryente, cook lalo na kung kumain ka sa labas(fast food halimbawa). Kahit ikaw lang ang nagluto ng pagkain, gumastos ka rin ng oras dahil ang oras mo ay mahalaga. At binabayaran ang oras mo kapag nagtatrabaho ka o kahit nagpapatakbo ka ng sarili mong negosyo.

Bakit mahalagang maunawaan ang spending?

Para hindi mo malustay ang pinaghirapan o pinagsikapan mong Continue reading

Paano bibili kung sarado ang Philippine Stock Exchange (PSE)?

Sumasabay sa school ang operations ng PSE (Philippine Stock Exchange). Bukas sila 9:30am hanggang 3:30pm, Mondays to Fridays only. Kapag holidays, wala rin silang pasok.

So paano ka na maki-sosyo sa mga big tycoons ng bansa tulad ni Tony Tan (ng Jollibee)? Kailangan ba a-absent ka para lang dito?

Hindi kailangan mag-suffer ang school at iba pang gawain n’yo. Sabi nga natin, “on the side” lang ito. Sideline kumbaga. Di kailangang Continue reading

Paano bumili ng stocks sa Colfinancial online platform?

Ate and Bunso,

Since I can’t assist you personally during “trading hours” (9:30am to 3:30pm Mondays to Fridays lang), eto na muna reference n’yo. This is one method how you Continue reading

From the FQ Mom – to Ate and Bunso

$$$$$$$

Minsan, mahirap maniwala kapag walang nakikita kahit pa totoo ang mga “principles” na naririnig natin. Yan ang mahirap sa journey, kailangan mong maging visionary (parang yung Makati City lang, dati mga talahiban yan, pero yung mga nakikinabang dyan ngayon, nakita nila na yung bawat talahib na yun, matataas na gusali! at yung pinagsama-samang mga talahib, financial center ng bansa!).

So, tayo andoon pa tayo sa “Journey.” Sa totoo lang di talaga nagtatapos yan until the eternal kingdom is established. And we do not know when that will happen.

Sometimes lang

Ako kasi aminado din na minsan (kung hindi man madalas – at kung madalas man, gaano kadalas ang minsan? whatever!) sinasabi ko “to see is to believe!”

Kung medyo nakakalula pa rin yung pinaka-guiding principles natin sa ating financial literacy journey, may mga pinakiusapan (inistorbo, kinulit, kinalampag, ini-stalk — syempre in a nice way) akong mga tao na napagdaanan na itong journey natin para maging role models natin. Kulang kasi ang lifetime ng isang tao para makamit lahat ng magagandang accomplishments¬†ng iba. So better learn from their experiences – nakakadagdag sila sa karunungan mo sa pinakamaikling panahon. Continue reading

Untimely death – No one is protected from it

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Journey with us as we study and navigate Personal Finance and Investing. Click join button in this facebook group/forum: Parents-Kids Personal Finance and Investing Journey (Parkid-PFI)

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Yesterday’s TV caught my attention while Jessica Soho was featuring a young man who died of liver cancer.

Then her story switched to an award-winning celebrity chef Hasset Go who happened to be the brother of that young man. He looked familiar to me being a GMA7 audience myself.

[Note: being an avid audience of the company, among other reasons, was a determining factor for deciding months back to get minority (very few affordable) shares ¬†ūüôā ¬† of the company and I did not sell even it went down around 20% anyway it gave me about 4% in dividends, the highest among its peers; ¬†and as the PSEi closed at¬†7,324.40 today, GMA7 has recovered to minus 2.21% and this will rally further as Presidential election advertisements add to its revenues. Besides, the company is further assured that Tape, Inc can continue to pay its block time given the #aldub phenomenon.]

Heaven’s strenght

It turned out that Hasset contracted the same illness.

From the¬†handsome man, the next footage that followed was devastating. Shown was a frail person, bedridden and hardly able to speak. But behind that man was a strong spirit. Still able to motivate the viewers especially those of same medical condition and his family. I believe that strength must’ve come from heaven!

Hasset demonstrated a very powerful message how an¬†unwavering faith should look like despite his seemingly hopeless condition. As his mother Lorelei narrated, Hasset told them “lahat ng ito pagsubok lang. Isipin mo na lang na may Panginoon. Siya ang nagko-control sa ating lahat. Hindi natin alam kung ano‚Äông plano niya sa family natin. Basta huwag lang … (tayo)¬†bibitiw “

Unfortunately, Chef Hasset Go’s feeble body released its final breath on October 24, 2015 (two days before my birthday). He was 29. [see full story here¬†or watch the #KMJS video below]

Who’s to blame?

Some people will perhaps wonder. Continue reading

Three minutes and Wi-fi

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Journey with us as we study and navigate Personal Finance and Investing. Click join button in this facebook group/forum: Parents-Kids Personal Finance and Investing Journey (Parkid-PFI)

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We went to BPI yesterday. It was a perfect schedule because I can go out of work just before the bank closes. And kids have no school on a weekday due to the storm… Thanks to Typhoon Lando (international name “Koppu”). But no thanks also because that same tropical depression, I just heard from the news, claimed around 30 lives before going far north of the Philippine Luzon islands.

The sched ended up just a near-perfect one. Why? We were turned down right at the door! Continue reading