Investing Pinoy

Get wealthy with money cost averaging buying giant companies

2011-06-05T00:37:00.000+08:00

Hello guys,

How are your investments in the stock market? I hope you are smiling and having fun.

In this post, I will share with you why you need to start investing in the stock market using the simplest way to make your money grow in the stock market: the money cost averaging method. Using money cost averaging, your PhP5,000.00 invested in the stock market every month for the next 20 years will grow it from PhP1,200,000.00 to about PhP10,000,000.00 at about 13.5% compounded growth per year. That's the power of money cost averaging.

If your goal is to have PhP10,000,000.00 20 years from now, you should start investing PhP5,000.00 per month in the stock market buying a giant company. If you need PhP20,000,000.00 for your retirement 20 years from now, you should start investing P10,000.00 per month in the stock market buying giant companies. If you need PhP100,000,000.00, you need to invest PhP50,000.00 per month for the next 20 years. I believe some of you are capable of saving and investing a huge amount of money per month. How do I know? Tell me what kind of gadgets you have? How many do you have? Do you really need them all? How about the kind of hand or shoulder bags you have? Do you really need a designer bag worth PhP100,000.00? How about your night outs and dates? How many do you have every week? Now, before you say "Well I deserve it!", which I'm very sure you do, allow me to say that I also believe you deserve to have a good and abundant life in the future by saving and investing for it today.

So, are you ready to invest in good companies for the next 20 years? If you are, congratulations. Now, the next thing we need to know is what companies to invest in. Let me share to you a list of companies which experts and analysts believe to provide a significant boost to your money. These companies have been chosen based on the following criteria:

It should be in a Growing Industry
It should have Earnings Visibility
and Management Credibility
The company should have Superior Products or Services
and a Strong balance sheet

These companies are GEMSS which is the acronym for the above criteria. Below is a list of the companies that you and I should choose to invest into for the long-term, that is using money cost averaging.

Sym	Company Name	Industry
AC	Ayala Corp.	Holdings Company of Ayala
ALI	Ayala Land, Inc.	Real Estate
AP	Aboitiz Power Corp.	Power Generation
BDO	Banco De Oro	Universal Bank
BPI	Bank of Philippine Islands	Universal Bank
DMC	DMCI Holdings, Inc.	Holdings company of Consunji
EDC	Energy Development Corp.	Renewable Energy
ICT	Intl. Container Terminal Services	Container Terminal Services
JFC	Jollibee foods Corp.	Quick Service Restaurants
MBT	Metropolitan Bank and Trust	Banking
MPI	Metro Pacific Investments	Holdings company of MV Pangilinan
MWC	Manila Water Company	Water Supply and Sanitation
SM	SM Investments Corp.	Holdings Company of SM Group
SMPH	SM Prime Holdings	Shopping Centers and Malls
TEL	Philippine Long Distance Tel. Co.	Telecommunications
URC	Universal Robina Corp.	Food and Beverage

So, what companies are you going to invest in? What is your target 20 years from now?

Remember, big things start small. As the Bible says,

"...whoever gathers money little by little makes it grow." - Proverbs 13:11b (NIV)

Dream Big! Start Small!

May you achieve true success!

Bryan

Do you want to receive regular updates about investing from InvestingPinoy? Don't be the last to know how to earn from different investment strategies. Subscribe below and start learning about investing for f.ree!
PS. My mentor in stock market investing and business is Bo Sanchez. He has an online coaching club where he teaches one to be truly rich. You can try it out for free and enjoy the same benefits I have enjoyed. Go to www.bit.ly/BoSanchezTrulyRichClub.

PS. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

Are you bullish this 2011 despite the stock market downtrend?

2011-03-29T20:24:00.002+08:00

Hello again everyone! It's been quite some time since my last blog post. I have to apologize for this as I was so busy with a new business I was putting up late last year. Meanwhile, I've been keeping up with what's happening in the stock market today.

PSEi is on a Downtrend

As it is, the Philippine Stock Exchange Index (PSEi) has been on a downtrend since November 2010 and may continue on the same pattern for the next few months. If this is to be, are you afraid of putting your money in the Philippine Stock Market? Let me help you answer that question by what the richest investor said,

"A simple rule dictates my buying: Be fearful when others are greedy, and be greedy when others are fearful." - Warren Buffet, Richest Investor in the World

Are you fearful of buying now? Maybe you are part of the majority who are fearful in investing in the stock market today? If you are, take courage in Warren Buffet's buying/selling rule. To encourage you even more, a Filipino who is my mentor became a multi-millionaire because he bought great companies when the Philippines experienced crises. While many were selling their shares when the prices went down because of the coup d'état, he was there buying shares of solid companies at very cheap prices. Every time there was a crisis, he was excited because he knew he could buy shares of great companies at bargain prices. Today, he is a multi-millionaire and continues to do the same investment strategy.. What strategy? Just in case you didn't get it the first time, it is this: Buy shares of great companies at bargain prices when many are selling because of fear of the unknown.

So, are you ready to buy and get rich?

Which Companies to Buy in the Philippine Stock Market 2011

The biggest online broker which happens to be my online broker, CitisecOnline, released a report sometime February 2011 which presents several companies that we need to keep a watch on. More importantly, these are the companies that we need to start buying using the money cost averaging method. If you are not familiar with money cost averaging, you may want to read my previous post about it HERE. Meanwhile, here is a list of companies you need to start buying. The list includes Alliance Global (AGI), Ayala Land (ALI), Banco de Oro (BDO), Bank of Philippine Islands (BPI), PNOC Energy Development Corp. (EDC), Intl. Container Terminal Services (ICT), Metropolitan Bank and Trust (MBT), Megaworld Corp. (MEG) and Nickel Asia, Corp. (NIKL). For as long as the price is below the "Strong BUY at" range, you consistently buy a fixed amount every month until you hit the "target price". The potential gains are also presented below so you have a better idea how much you stand to earn.

	Name	Current Price	Strong BUY at	Target Price	Potential Gain
AGI	Alliance Global	11.50	14.70	17.25	50%
ALI	Ayala Land	15.12	16.02	19.75	31%
BDO	Banco de Oro	51.00	47.90	60.00	18%
BPI	Bank of Philippine Islands	55.05	51.20	60.00	9%
EDC	PNOC Energy Development Corp.	6.00	6.93	7.78	30%
ICT	Intl. Container Terminal Services	41.55	38.20	50.00	20%
MBT	Metropolitan bank and Trust	63.90	65.10	84.50	32%
MEG	Megaworld Corp.	2.04	2.37	3.12	53%
NIKL	Nickel Asia, Corp.	20.20	18.40	22.50	11%

Note: A "strong buy" is a value considered to be fundamentally cheap given the prospects of the industry and of the company.

So, what are you waiting for? Make a decision on how much you are going to invest every month in the stock market. Have you already decided what company to buy?

May you achieve true success!

Bryan Uy
Investing Pinoy

Do you want to receive regular updates about investing from InvestingPinoy? Don't be the last to know how to earn from different investment strategies. Subscribe below and start learning about investing for f.ree!

PS. My mentor in stock market investing and business is Bo Sanchez. He has an online coaching club where he teaches one to be truly rich. You can try it out for free and enjoy the same benefits I have enjoyed. Go to www.bit.ly/BoSanchezTrulyRichClub.

PS. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

Pride hurts but lessons are learned: A bittersweet story of an OFW investing in the Philippine stock market

2010-11-28T16:47:00.000+08:00

When I wrote about my losses in the stock market on the second week of November (read Yikes! I lost a lot! I'm panicking because of the stock market pullback), one of my readers immediately emailed me about his experiences during the same time. His story was very similar, showing how our pride can eventually harm our (financial) lives. But I'd like you to focus not on the losses (he didn't actually loss money, rather 'lost' the opportunity to have higher gains if he sold earlier), but the experience and lessons he has gained. Indeed, a victorious warrior doesn't usually come back from a war unscathed. These wounds make us stronger and wiser in making the right decisions.

I also like to share this story because here is an Overseas Filipino Worker (OFW) based in the Middle East, which is thousands of miles away from us, and he's able to invest/trade the Philippine Stock Market through a Philippine online broker. This only means that if you are an Overseas Filipino Worker (OFW), you can follow his model and start investing for your future by investing in the stock market.

DISCLAIMER: The suggestions about which companies to buy in the letter below has nothing to do with what I want to say. The story is presented here bare and unedited so that readers may understand the OFW's emotions during the time of writing.

Hi. Bry,

Musta na. kakatuwa naman tong blog mo Bry (patungkol talaga sa tulad ko). Tumpak ka talaga dahil sa pride (& greediness na rin sa part ko) ayon bagsak pero nakabangon konti kc binenta ko lahat except MPI & Fgen para makakuha ng DMC at AGI. Bakit kc mahirap bitawan ang stocks lalo na umaasa ka pa rin na tataas pa lalo't mga big caps nman. Alam mo ang Fgen ko umabot pa 20+% dati at ang MPI nman mga 12% ata. Ngayon 12.63% & 1.67% na lang.hehehe (kainis).

Sa nangyari ngayong week na-realise ko na dapat mag-stick talaga sa strategy – pag medyo naabot na yong TP benta na. Nagdesisyon ako knina na magsimula ako uli sa lahat kaya apat na lang stocks ko ngayon (+ NKL kung mabigyan kc thru raffle lang daw at 1T lang – nagsubscribe ako ng 5T).

Simula bukas i-monitor ko na at babangon na talaga ako ng maaga (tulog ng maaga para d mapuyat – baka dito pa ako magkakasakit.hehehe). From 25% overall profit ko ngayon 19% na lang.

Eto na ba yong CORRECTION na sinasabi nila? Dapat pala tandaan ko to kc kung di ka pala handa talo talaga. Sa totoo lang akala ko sa ganitong panahon (post-crisis) d na talaga bababa pa ng mga 10+% (in 2-3 days) ang mga blue chips. Nangyayari din pala.

Kung d ako mabigyan ng Nkl or 1T lang URC ang kapalit (wow ha ang galing mo 55% ka na sa URC dati). Yan ang nangyari sa akin sa Fgen at MPI kkaasa ko na aabot ako ng mga 30% bago ang release ng quarterly reports nila kc hinahambing ko performance nila sa ibang stocks ayon…. toinkkkkk

Stock Code

Market Price

Ave. Price

% Gain/Loss

% Portfolio

AGI

11.0000

10.7917

1.93%

16.74%

DMC

34.9500

33.8718

3.18%

31.91%

FGEN

12.6400

11.2225

12.63%

19.23%

MPI

3.8000

3.7375

1.67%

32.12%

Overall, magandang experience to sa mga baguhan tulad ko….dapat talaga extra lang yong pondo na nasa stock market.

Hayy ang daming pwding bilhin pero stick to the plan muna ako ngayon. Try ko till end of this year na pag me profit na 5-7% benta ko na agad (yong Fgen ko +3% pa para mabenta ko na.hehehe- bias pa rin)

Good luck….

Best regards sa lahat.

So, what have you learned from that letter from an OFW based in the Middle East? Did you also experience the same 'losses' during the November stock market correction? Did any of you actually sold before the correction? Do share you thoughts.

May you achieve true success!

Bryan

Do you want to receive regular updates about investing from InvestingPinoy? Don't be the last to know how to earn from different investment strategies. Subscribe below and start learning about investing for f.ree!
PS. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com. Investing Pinoy

Here's is my stock watch list. Get ready to BUY when the signal says so!

2010-11-12T00:56:00.000+08:00

In my previous post, I shared my strategy on how to select which stocks to buy. If you haven't read it yet, I encourage you to read the post entitled "Market correction? So what! It's time to be on the lookout!".

Review of How to Select Stocks to Buy

Now, based on the technique that I have shared with you, I have come up with several stocks that are on an uptrend or about to breakout, which are two signals that you should anticipate to buy when the numbers and indicators are right. Let me summarize how to select stocks to buy as follows:

Check the general trend (Should be uptrend or at least sideways)
Look for stocks that are on an uptrend or about to breakout
Check th target price of the selected stocks (Should have room for gain)
Check the 16-, 32- and 65-day moving averages (Stock should be at least above the 32-d and 65-d MA)
Check the volume of shares (Should be increasing or at least not decreasing)
Check the MACD (Should be positive to indicate market is gaining momentum)
Check the RSI (Should be 55% or below indicating the stock is not overbought)

So, Which Stocks Should I Really Buy

So, now that all the indicators that we've mentioned above are met, when do I actually buy? Well, you buy an uptrend or a breakout so let me explain the two scenarios.

If it is an uptrend, you should enter ONLY when the stock bounces off the uptrend line. Some people make the mistake of buying when it is approaching the trend line going down. If you buy a stock approaching a trend line and the trend line is actually breached (it means, it's not an uptrend anymore), you'll end up losing money. Buying at the bounce off a trend line will lessen the risk of buying a stock that is losing momentum or starting to change trend.

If it's a breakout, you buy the moment it breaks out of the area pattern and as close to it as possible (I will write another post to explain the different break out patterns in the future).

That's it!

My Stocks Watch List (only for this coming week of Nov 12-19, 2010)

DRUM ROLL........... Tatatataaan! Here's My Stocks Watch list and I'd like to share it with you so I can spare you the time to check those numerous stocks graphs. Now before you buy, please please check your numbers first! Check the target price, MAs, Volume, MACD and RSI and if all number indicate a go, then buy at the right time which I just described in the last paragraph. So, here is My Stocks Watch List which is only for this coming week of November 12-19, 2010. It might change altogether in a week's time.

Stocks on an Uptrend

Ayala Land Inc. (ALI)
Bank of the Philippine Islands (BPI)
Jollibee Foods Corporation (JFC)
JG Summit (JGS)
Metropolitan Bank and Trust Company (MBT)
Manila Water Company (MWC)
Robinson's Land Corporation (RLC)
SM (SM)

Stocks About to Breakout

Ayala Land Inc. (ALI) - 14% potential gain
Engineering Equipment Inc. (EEI) - 12% potential gain
Empire East Land Holdings (ELI) - 16% potential gain
Filinvest Land Inc. (FLI) - 11% potential gain
GMA News Network (GMA7) - 16% potential gain
Philex Mining (PX) - 17% potential gain
SM Prime Holdings (SMPH) - 11% potential gain

BONUS: Cheap (I have a good feeling) Stocks

I don't know why I'm doing this but I guess I want you to know how I feel about these "special stocks of mine" which I believe will amount to something (big win or loss. Hehe). You check the numbers and buy at your own risk because I don't have any basis at all! Haha. (Joke time...) But really, they look very cheap after they fell very deep! So here goes.

Energy Development Corporation (EDC)
DM Consunji (DMC)
FirstGen Corporation (FGEN)
Intenational Container Terminal Services Inc. (ICT)
Megaworld Corporation (MEG)
Meralco (MER)
Metro Pacific Investments (MPI)

So, are you ready to buy when the signals are right? Which ones do you intend to buy if ever? Do share your thoughts by leaving a comment.

May you achieve true success!

Bryan

Do you want to receive regular updates about investing from InvestingPinoy? Don't be the last to know how to earn from different investment strategies. Subscribe below and start learning about investing for f.ree!
PS. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

Investing Pinoy

Market correction? So what! It's time to be on the lookout!

2010-11-12T00:18:00.000+08:00

Still in Pain? Move On! There's Money to Make.

Are you hearing yourself crying lately, "Huhuhu! I lost my money!" or "I can't sleep!" or "I was so dumb!" or "I can't forgive myself for being foolish!"? If you are, this could be because you lost your job, or failed in a business, or getting rejected by a woman (oops!) or maybe this is just because of the recent stock market correction. Whether the blood bath is finished or not, I can't really tell. But, we shouldn't be much concerned about the downfall anymore because most likely you're already out by this time, either to protect your gains or simply to accept a loss to protect your capital. What we should be focused on, however, is the many opportunities this correction has paved way for us. This is the time to be on the look out for value stocks to buy. I see a lot of opportunities and I'd like you to be on the lookout. Do you know which stocks to look out for?
First Things First: Basics in Selecting Stocks to Buy

First things first! Here are the steps that I do:

Check the general trend of the market (downtrend, uptrend, sideways)
When uptrend or sideways, I look out for stocks that are on an uptrend or about to breakout
Check the target price of the stock (Is the target price reached already or is there room for gain?)
Check the 16- 32- 65-day Moving Averages (16-MA, 32-MA and 65-MA)
Check the Volume (shares exchanged during the day: increasing or decreasing)
Check the MACD readings (Is it positive or negative?)
Check the RSI (Is it under bought or overbought ?)
Buy those that are at least (1) uptrend and/or break out, (2) above the 32- and 65-day moving averages, (3) generally increasing and not decreasing volume, (4) positive MACD readings and (6) RSI that is 55% and below.

Uptrend, Downtrend or Sideways Market?

When buying a stock, I look first at the general market trend. Is it going up, down or sideways? If it's going down, mostly likely I won't go into the market altogether. If it's sideways, I'll try to range trade. But if it's an uptrend, then it's a wonderful day to shop.

Buy Only Uptrends and Breakouts

The next thing I'll do is be on the look out for stocks taht are on an uptrend or about to breakout. The rest that are not either of the two, I forget for that particular time (week or days). For those stocks that are either in an uptrend or a breakout, I then check the 16-day, 32-day and 65-day moving averages. If the stock is above these numbers, then it's a good sign.

Is There Room for Gain Based on Target Price?

The next thing I do is check the target price of the stock. Usually, your online broker will provide you with regular updates on the target prices of certain stocks they monitor. Only select those stocks that have current prices that are below the target price. For example, if the current price of a certain stock is PhP1.00 and the target price is PhP1.50, this means the stock is selling at a discount and the potential gain is a whopping 50% (or 50 cents for every peso invested).

NOTE: I believe CitisecOnline has the best reports there is for online brokers. I may be biased because I haven't tried other online brokers yet, but I read about CitisecOnline's excellent service from a lot of traders who blog or leave a comment on the internet. No negative comments yet.

(Interested in learning about stock market investing and trading in-depth? Or opening an account with CitisecOnline? Contact Ms. Jackie Basbas at jacqueline.basbas@citiseconline.com, landline 026365411 or mobile number 09279616237 and tell her that I advised you to sign up for their free classes or open an account with them.)

Volume: Are There A Lot of Buying Activity?

The next thing I'll do is check the volume, or the amount of shares that is being transferred (sold and bought) during the period. If it is increasing, this is a really good sign because it means people are interested in buying it (since this is an uptrend). So far so good. We have so far selected stocks that are on an uptrend, above the MAs and have an increasing (or at least not decreasing) volume.

Is There Momentum?

The next thing I would do is check on the market momentum by looking at the MACD or the Moving Average Convergence-Divergence. Don't ask me what it means. If you really want to ask, then attend one of the free seminars of CitisecOnline (Contact Ms. Jackie Basbas at jacqueline.basbas@citiseconline.com, landline 026365411 or mobile number 09279616237 and tell her that I advised you to sign up for their free classes). Now back to MACD. What's important is that the MACD is positive and not negative. A positive MACD means that the stock is gaining interest from buyers and this is good for you since the more people that are buying the more likely the stock price will go up, by virtue of the Law of Supply and Demand.

Is the Stock Overbought or Not?

The last one that I'm going to check is the RSI or the Relative Strength Index. Alright Call Ms. Jackie Basbas of CitisecOnline to schedule for the free stock market seminar if you really want to know. Or google it.:) You should look at an RSI of 55% and below. This means that the stock is not overbought. The lower the RSI the more it is under owned. This means that when the stock gains buying interest, there is a lot of shares available to buy and not just because people want to sell there shares to you (which can lead to price stagnation).

So, there you go! Now you know how to select a stock to buy. The question is do you know when to buy it and at what price? Do you know when to sell it for a profit and at what price? Do you know when you need to accept the fact that you lost? This is also what they call a stop-loss price? I'll do a future post to discuss this. Meanwhile, wait for my next post, where I will share to you which stocks I am looking at and that you should be looking at, too. Have you learned from this lesson? Let me know if you have questions and don't forget to post your questions here in the comments section so other readers can benefit from it.

May you achieve true success!

Bryan

Do you want to receive regular updates about investing from InvestingPinoy? Don't be the last to know how to earn from different investment strategies. Subscribe below and start learning about investing for f.ree!

PS. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

Investing Pinoy

Yikes! I lost a lot! I'm panicking because of the stock market pullback.

2010-11-11T11:50:00.000+08:00

Huhu! The Stock Market is Plummeting Down!

I'm sure everyone who has money in the stock market is glued in from of their computer screens right now and wondering "Is this blood bath going to continue?". They are most likely asking the question that's very difficult to answer, "Am I going to sell now? But I'm losing! Maybe it's going to bounce back. Right?!"

If you find yourself in this position, well that's normal. The question is, "Are you going to be a big loser or are you going to follow your system and just lose a little?" In stock market trading, battles (or trades) are either won or lost, but the idea of wise stock market trading is to win the war. Are you losing the battle? If you sold days ago because your stop loss price has been triggered, that you lost the battle, but I'm pretty sure you're very happy that you sold, right? RIGHT!

But, most of us probably thought this blood bath is not going to continue. It's impossible! The Philippine economy is doing good. Real estate is wonderful. Remittances are soaring. So, the stock market won't really go down! WRONG!

The Market Will Decide What It Wants to Do

The market will decide what it wants to do. Although it is true that direction will depend on "signals" like economic indicators but the market will make it's own path whether we like it or not. Obviously, this past few days has been terrible for traders. If you were able to keep you poise and sell when your stop loss was breached, then you are very happy! But if you did not sell because you thought that the stock market would go up and reverse to its winning ways, then I'm sure you are crying!

Discipline and Belief in a System is the Key to Success

I was very busy these past few days and I was focused on my business. So, I almost didn't have time to check on the stock market. Guess what? I wasn't able to sell my positions even when my stop loss prices were already violated. I had RFM, RLC, URC and EEI. Before this week's bloody mess, I was up on all companies: +7.5% with RFM, +5.5% with RLC, +55% with URC and +1.5% with EEI. But because of my pride and because of my lack of discipline, I didn't sell even if my stop loss prices were already breached. I actually thought that the market would bounce back two days ago. So, I had to learn the lesson the hard way. In short, I sold all my positions today with only two in the positive side: RLC at +1.5% and URC at +48%. Sadly, because of my lack of discipline and belief in the system that I know, I had to suffer the consequences of losing heavily on my two other stocks. I sold RFM at -8.5% and EEI at -4.5%! OUCH!!! The Bible aptly talks about this in the Book of Proverbs and I'd like to quote it below:

For lack of discipline they (fools) will die, led astray by their own great folly. - Proverbs 5:23 (NIV)

Pride Kills... Always

I mentioned that I didn't sell right away because of pride. Pride that I didn't want to lose any of my stock positions (I rarely lose whatever I bought until now.). I was proud that I've been winning all the stocks that I bought so far and that was what killed me. This reminds me of what the Bible says about the opposite of pride which is humility and I'd like to quote it here:

The fear of the LORD teaches a man wisdom, and humility comes before honor. - Proverbs 15:33 (NIV)

If I was humble enough to accept the fact that I would win some and lose some (which was what I mentioned in my previous posts), I would have been spared the very big loss and would still come out a very big winner (net 25% for the past 3 months). But because of my foolish pride, I had to settle for a 20% net profit.

Mistakes and Failures are There to Teach Us

Mistakes and temporary failures are there to teach us the important lessons in life. If we learn from it, then we are spared from destruction. But if we refuse to learn from it because of our pride or our ignorance, we will surely reap from our foolishness. It's like going through the different levels in education. Before one can graduate from Grade 1 to Grade 2, one had to pass all the requirements of Grade 1 first. If the student continues to fail his exams because he has not learned his lessons, he will continue to be in Grade 1 and all the lessons, the same old lessons, will continue to be taught to him. It's terrible being in Grade 1 for three years, don't you think?

In life, it's the same. Whether we are talking about health, spirituality and finances. if we continue to refuse to learn the lessons we are taught in life, if we continue to do the same things day in and day out, we should not expect our days to be all the different. We'll eventually come up with the same results. Unless we learn the lesson, we'll continue to be in that same level.

BONUS TIP: If Everyone is Scared, You Should be Excited!

The greatest and wealthiest investor, Warren Buffet once said "Be fearful when others are greedy. Be greedy when others are fearful." I believe people in the stock market today are fearful and this my friends is our time to understand that there is gold up ahead. This is the time to be on the look out for cheap stocks or stocks that are on an uptrend and breaking out soon. This is no time to cry over spilled milk. This is the time to be ready to win big.

So, what happened to you during this gruesome week in the stock market? Were you able to sell in time to cut your losses or did you refuse to sell your positions because you thought the market would bounce up? If you are the big loser, forget about it. Accept it. There's always time to earn money. As Bob Proctor said, "Money is just an idea." Do you think it is your time to make money?

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Is it safe to invest now (November 2010)? Or will the stock market crash anytime?

2010-11-09T02:44:00.000+08:00

If you ask stock market investors and traders nowadays about investing in the stock market, you'll most likely see them smiling and saying "It's awesome!" And this is indeed true!

Most often in the past, the reaction of an ordinary person to this reply from a happy investor is to quickly withdraw his entire savings and buy the same stock as his friend's. Then tragedy strikes. The stock market crashes (or goes into a major pull back) a few days later. The poor investor feels cheated (not by his friend but by the stock market) and sells his position despite the very big loss and ends up cursing the market.

80% of People in the Stock Market Loss Money

This typical scenario is also very true. Again, the Pareto Principle of 80-20 applies here. As I mentioned in my previous post entitled "Are you still afraid to invest in the stock market? Do you want guaranteed earnings?", 80-85% of the people who put money in the stock market loss their money. So, these people actually say the stock market is too complicated! Or they might even say "The stock market is manipulated by the very wealthy." Although this last statement might be true in some way, I believe this is not entirely true because the very wealthy people will invest their money not only on stock market speculations but on real economic growth like legit and large sustainable companies . I am pretty sure they don't lie the stock market to crash either because this would affect the economy and if this happens, their investing prospects are also negatively affected.

So, is investing now (November 2010) still safe or will it crash anytime?

I recently received an email from one of this blogs readers asking the question whether it is still safe to invest in the stock market (mutual funds) at this point even if the market has gone up very high already. The person also asked if it would be wise to invest all her savings in a mutual fund company. I'd like to share to you the person's email to me (I will not mention the person's name for confidentiality reasons) and I'd like to also post my reply in this post for everyone's benefit.

Hi, I saw your website (http://investingpinoy.blogspot.com) and I was hoping you could give me some advice. I’m thinking about investing all my savings this week in the ING Dollar Income Fund and Philippine High Conviction Equity Fund. It’s my first time to invest so I know pretty much nilch about the market. Since it’s been doing so well lately I’m afraid that I’ll be buying at a too high price and that it’ll crash. Do you think now is a good time to start investing or should I wait?

Here's my reply to the email:

Invest Your Savings Only When You Have ENOUGH Savings

First of all, congratulations on deciding to invest!

My suggestion is DONT invest all your savings unless you have another fund that can be used for emergencies. One needs to have savings used solely for emergencies (like getting sick, accidents and other unexpected expenses). At the least, leave 3 months worth of savings. Say, your living allowance is P20,000.00 per month, you need to have at least P60,000.00 in your savings. Some financial advisers even say it should be 6 months. Personally, I’m building my savings for one year and the reason is so that I can spend a one year vacation without having to work.:)

If this is already done, then the rest of your money can be invested in high yielding instruments. I noticed you are looking at investing in mutual funds. Mutual funds are alright. It is indirectly investing in the stock market since the fund manager of these mutual funds invest your money in the stock market. And, when you invest in the stock market, it can go up or down, so there is no guarantee. You can only hope your mutual fund manager is good at what he’s doing.

I am not familiar with both ING Dollar Income Fund and Philippine High Conviction Equity Fund. What you can do is do your own research on their previous performance and if you are happy with the returns, then go for it. Again, I’d like to warn you that past performance is just that...PAST. It means they can’t guarantee that this year and the next ones will still be the same. It’s just an indication that they have grown their funds very well in the past. There are a lot of mutual fund companies out there and you can check their performance in the website http://www.icap.com.ph/. Choose from the list and start investing.

Money Cost Averaging is the Way for Beginners

By the way, in investing, you can either put a lump sum and let it grow or what’s better is do a money cost averaging (see my previous post about money cost averaging) where you invest equal amounts of money every year. Say, if you have P100,000 to invest, you can decide to invest P10,000 per month for the next ten months. Or decide to invest P5,000.00 per month for the next 20 months... and so on. Money cost averaging is a safer way to invest your money and a faster way to grow your money.

Again, is investing now (November 2010) still safe or will it crash anytime?

Regarding your last question whether this is the right time to buy because you are concerned that you might be buying at a high price, my answer is two-fold. At this point, most companies listed in the stock market are already fairly priced, meaning they are neither overpriced or undervalued. So, if you are the investor, this means you are buying at the fair market price and may mean you have reached the peak price already. But, the market indicators are positive moving forward to the year 2011 and beyond. Company prices will most likely be re-priced by January 2011 (see Citiseconline's new target prices in my previous blog post entitled "Are you ready for the Bull Market this year 2011?") and would give us an opportunity to invest with the hope of market prices following this price adjustment. In other words, if a company’s book value is P10.00 and the market price is also P10.00, it is fairly valued. If the market price is P8.00 it is undervalued which means you can expect the price to still go up. But if the market price is 12.00, it is overpriced, which means anytime it could (or could not) go back down to its book value. So, you are looking at buying companies that are undervalued. At this point, my suggestion is to choose the right mutual fund company with a good track record since you are not investing directly in the stock market. As of today, I think the market will continue to go up with a few corrections (pull backs).

I hope this helps. Just let me know if you have any other questions.

Many thanks again for asking you question.

So, can you comment on the post? What do you think about investing your entire savings in the stock market or other aggressive investment vehicles? Do you agree that it is still good to invest in the stock market today because the market will continue to rise? Or do you think the stock market will crash?

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

It's Your Problem!:A story about caring for others

2010-11-08T12:40:00.001+08:00

Are you concerned about other people's problems or are you only concerned about your own problems? I got this story from a recent post of Bo Sanchez and I'd like to share it with you today because it talks about how things and events are interconnected and how helping or not helping can eventually affect you.

I often ask myself if I am truly concerned about the lives of people I know. It's a daily challenge for me to be sincere in my helping and I'd like to encourage you to ask yourselves as well. here's the story and I hope that you enjoy and most importantly learn from it.

One day, a mouse looked through the crack in the wall to see the farmer and his wife open a package. “What food might this contain?” The mouse wondered. He was devastated to discover it was a mousetrap.

Retreating to the farmyard, the mouse proclaimed this warning: “There is a mousetrap in the house! There is a mousetrap in the house!”

The chicken clucked and scratched, raised her head and said, “Mr. Mouse, I can tell this is a grave concern to you, but it is of no consequence to me. I cannot be bothered by it.”

The mouse turned to the pig and told him, “There is a mousetrap in the house! There is a mousetrap in the house!”

The pig sympathized, but said, “I am so very sorry, Mr. Mouse, but there is nothing I can do about it but pray. Be assured you are in my prayers.”

The mouse turned to the cow and said, “There is a mousetrap in the house! There is a mousetrap in the house!”

The cow said, “Wow, Mr. Mouse. I’m sorry for you, but it’s no skin off my nose.”

So, the mouse returned to the house, head down and dejected, to face the farmer’s mousetrap. Alone. . .

That very night a sound was heard throughout the house – the sound Of a mousetrap catching its prey.

The farmer’s wife rushed to see what was caught. In the darkness, she did not see it. It was a venomous snake whose tail was caught in the trap. The snake bit the farmer’s wife. The farmer rushed her to the hospital. When she returned home she still had a fever. Everyone knows you treat a fever with fresh chicken soup. So the farmer took his hatchet to the farmyard for the soup’s main ingredient: Chicken!

But his wife’s sickness continued. Friends and neighbors came to sit with her around the clock. To feed them, the farmer butchered (who else?) the pig.

But, alas, the farmer’s wife did not get well… She died.

So many people came for her funeral that the farmer had the cow slaughtered to provide enough meat for all of them for the funeral luncheon.

And the mouse looked upon it all from his crack in the wall with great sadness.

So, I hope this story will make an impact in our life and allow us to help others who might need our help. Do you think not helping can really impact you negatively or is this story just fiction? Can you share your story?

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

What is your wealth thermostat? Get Hardwired for Success by T Harv Eker: F.ree downloadable ebook

2010-11-02T22:15:00.000+08:00

Give me five minutes, and I can predict your financial future for the rest of your life. How? In a short conversation, I can identify what’s called your Money Blueprint. Each of us has a personal Money Blueprint already ingrained in our subconscious mind, and it is this blueprint that will determine your entire financial life. - T Harv Eker

Do you want to know if your current mental programming allows you to become wealthy and successful in everything that you do?

In this 30-page mini ebook entitled Get Hardwired for Success by T Harv Eker that you can download for f.ree, you will find out what your money blueprint is. This could be the first and most important step to your financial journey, that is, finding out what you money programs are. Simply put, an uneducated man who earns one million pesos a month has a different money blueprint than an educated man with a PhD who earns the same amount of money in one year. This ebook will show you what programs you have regarding money. T Harv Eker calls this your Money Blueprint or Financial Thermostat. In order for you to change your mind, you have to know that you need to change something by identifying what's wrong. The Bible says that genuine transformation can occur through the renewing of one's mind (Romans 12:2).

To download go top the DOWNLOADS section of this blog and click on Get Hardwired for Success by T Harv Eker.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

I got healed from flu in 36 hours WITHOUT medicine

2010-10-25T08:50:00.000+08:00

Last week, I found myself in a very busy schedule involving two trips outside of Manila to do safety audits for one of my clients. I was in Dumaguete on Monday and Tuesday and in Bohol on Wednesday and Thursday. The trip was not really that bad as I traveled by air. My official schedule gave me enough time to rest and recover from a tiring day. But what's not good about traveling is that I tend to stay up very late at night studying the stock market, reading e-books on investing or listening to an audio tape on motivation or success. In other words, on those days, I slept around 1 or 2 in the morning and had to wake up as early as 6AM the next day. You, might say 4 hours is enough sleeping time but for me, I need about 6-8 hours of sleep.:) Hehe

Sickness is a Message from Your Body

So, when I got to Manila, I was already drained. In the evening of Thursday, I was already feeling bad and flu already set in around 10PM. Then I remembered, what if I followed the instructions of one of my mentors (Bo Sanchez) about how to get well from a common cold or influenza. So, I just did it.

The next day, I took in only fresh fruit juices (pineapple and banana shake without sugar) and lots of water. I just stayed in bed thinking about how I loved my wife and daughters and how much they loved me. I thanked God for allowing me to get sick to rest my tired body, too. At the end of the day, I think a had 2.5 liters (4 large glasses) of pineapple-banana shake and more than 5 liters of (10 large glasses) of water. I also decided to sleep early without air conditioning, inhaling only fresh air that naturally came into the sala (yes, I slept in the sofa on the living room since fresh air was most abundant there).

Your Body Can Heal Itself!

When I woke up the next day, some 36 hours after I got flu, I was already healed. No fever, no running nose and no involuntary sneezes. Amazing! What's even more amazing is that all these healing came without the aid of any kind of medicine (although I took my usual dose of natural, not synthetic, vitamin and mineral supplements). Truly amazing!

Prescription Drugs or Laughter and Plants?

I remembered reading from Bo Sanchez's article that our body was designed to heal itself. Our body can manufacture all kinds of medicines needed to heal any kind of disease. This knowledge, when understood well, is very powerful. It is powerful enough to shut down the biggest pharmaceuticals in the world. No wonder pharmaceutical companies spend a lot of money in TV commercials, print ads, billboards, med reps and sponsoring the bi-monthly trips of doctors to conferences all over the world. Oops! Did I say too much? Shhhh... I have nothing against ads, med reps and doctors. These are important. What I am concerned about is the kind of education the large pharmacies and our doctors-of-late have been teaching us about healing ourselves from diseases. They forget to tell us or intentionally hide from us the fact that our bodies have the capacity to heal itself through good diet, enough rest and having a cheerful heart. In fact, the Bible speaks about that in the Book of Proverbs,

A cheerful heart is good medicine, but a crushed spirit dries up the bones. - Proverbs 17:22 (NIV)

So, what is your first medicine when you get sick? Is your first reaction popping a pill with those synthetic medicines (that causes upset stomach, headache or even high blood)? Or will you go back to the basics of having a cheerful heart and eating right as outlined in the Bible which says,

I give you every seed-bearing plant on the face of the whole earth and every tree that has fruit with seed in it. They will be yours for food... - I give every green plant for food. - Genesis 1:29-30 (NIV)

Can you share your stories of how you healed yourself using natural means?

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

F.ree e-book to d0wnl0ad n0w: Attracting Money Now by Dr. Joe Vitale

2010-10-23T13:45:00.000+08:00

Hello guys,

I'm posting here another f.ree e-book by bestselling author Dr. Joe Vitale of the hit movie The Secret. In Dr. Joe Vitale's new book entitled "Attracting Money Now", he talks about seven simple steps to attract money now. These seven steps are as follows:

Step 1 - Alter How You Think
Step 2 - Give Without Expectation
Step 3 - Prosperous Spending
Step 4 - Ask for Help
Step 5 - Nevillize Your Goals
Step 6 - Think Like an Entrepreneur
Step 7 - Help Your Community and Your World

Go to the DOWNLOADS page if this site and click on Attracting Money Now by Dr. Joe Vitale to start downloading your f.ree e-book.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Preparing for the Bull Market: 2010 CitisecOnline October Market Brief

2010-10-18T09:47:00.000+08:00

Hello guys,

Are you ready for the upcoming Philippine bull market? If you are, wonderful. If you are not, then this is the time to be ready. One wise mentor said that, "Success comes to those who are prepared.", and I can't overemphasize this basic truth. Now, here's our chance to be ready for the raging bull.

My favorite broker, CitisecOnline, will have its 2010 October Market Briefing entitled "Riding the Bull with Growth Companies" where some of the top growth corporations discuss the continuing prospects of their prime businesses and industries. Some companies who will be there include Metro Pacific Investments (MPI), Alliance Global (AGI), International Container Terminal Services, Inc. (ITCSI) and DM Consunji, Inc. (DMCI). The market briefing will be on October 27, 2010, 230-520PM at the Newport Performing Arts Theater, Resorts World Manila, Newport City.

This market briefing is open exclusively to CitisecOnline clients but they have given us the opportunity to invite guests who are seeking to grow their money through the stock market. I can invite up to eight (8) people to be on guest list and I'd like to extend this invitation to those of you who are interested. This would be an opportunity for us to meet and finally introduce ourselves to each other in person.

So, are you interested to be on this guest list to attend CitisecOnline's 2010 October Market Briefing entitled "Riding the Bull with Growth Companies"? If you are, just leave a comment below and I will submit your names to CitisecOnline for your free pass. Unfortunately, I can only accommodate 8 people so I will need to only give the slots on a FIRST COME FIRST SERVED basis. My apologies in advance for those who I cannot accommodate any longer.

Again, leave a comment and inform me that you are interested. The event will already be next Wednesday.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

The richest Filipinos are NOT the highest tax payers? Are they crooks and liars?

2010-10-13T22:54:00.001+08:00

I recently received an email circulation from a cousin that was entitled "The Richest Filipinos and the Biggest Taxpayers are Not the Same" written by a Mr. Tony Lopez of the Manila Times which bothered me. The article concludes that;

'...people who you think are among the country’s richest are not in the Top 500 Taxpayers list. So, too, are prominent and fabulously rich people who often rant about the need for good governance and having good corporate social responsibility'.

I am not bothered so much about the fact that the Philippine's richest people are not the highest tax payers but rather I am bothered by the idea that most of us think that this actually means that the Philippine's richest persons are crooks, liars and tax evaders. Although, the article did not specifically say that the Philippine's richest are tax evaders, the article mentions GMA 7 TV Network Senior Anchor Mike Enriquez and let me quote (emphasis added);

'...Enriquez (is) the country’s highest paid media-man. He finds it funny, if not ridiculous, that he paid more taxes than the owners of the two largest TV stations. “That means I pay the correct taxes,” he notes. His channel 7 colleague, Mel Tiangco, is No. 45 with P8.9 million in income taxes paid. That makes her the highest paid female broadcaster.

With that statement, I tend to believe that since they (Mr. Mike Enriquez, maybe?) think they "pay the correct taxes", this only means that the owners of the two largest TV stations in the Philippines are not paying the right taxes. But is this really true? Is this the real score? Or is there something else that we don't see that only those who understand it just a little bit more can?

With my limited knowledge, let me try to explain why I believe this article was only able to paint half of the picture. Only one side of the coin, as they say.

The Richest Filipinos are NOT the Highest Tax Payers

It IS TRUE that the richest Filipinos are not the highest tax payers. That is not contestable since Bureau of Internal Revenue (BIR) is the one who released the data, according to Mr. Tony Lopez. However, let me suggest that this does not mean that they are the biggest crooks and liars or that they are tax evaders. In fact, it is far from it and let me explain using an example.

Henry Sy owns SM and all the names under it such as SM Prime Holdings, SM Development Corporation, SM Investments, etc. If you look at these names alone, you see that all of them pay taxes, whether one is a corporation or an individual. BIR requires corporations, partnerships and individuals to pay the right taxes. Since Henry Sy is both an individual and THE OWNER of all SM companies, he is in fact paying taxes both as an individual and through his corporations. I believe the list that BIR released was just the top individual taxpayers in the Philippines. But the article did not mention about the top corporate tax payers in the Philippines. I don’t have this information as well but I would be almost sure we will be surprised that you’ll see a lot of Henry Sy’s companies in the top 100 or so.

Let me give another example. Say Mr. Juan Dela Cruz owns JDLC Company (both are fictitious names). For a certain year, let’s say his company earned a NET income of P100M. BIR requires the company to pay 30% of its net, so the company should have remitted a total tax of P30M. If you look at it at this point, you can safely say that Mr. Dela Cruz has already given a good share of HIS (company’s) income to the government. I could say he has already contributed well to his country. But did Mr. Dela Cruz already pay his individual taxes? At this point, not yet. Let me give you two scenarios on how Mr. Dela Cruz could pay his individual tax.

Taxed as an Employee

In the first scenario, let’s assume that Mr. Dela Cruz is also an employee of his own company wherein he receives an annual income of P10M. In this case, BIR requires Mr. Dela Cruz to pay also 30% of his annual income, which is a measly P3M, and all this time he owns a company that is worth P100M. It looks small, right? But in reality, through his company, he has already paid P30M an another P3M as an individual tax payer to the government coffers.

Taxed as a Non-Working Board Member

The second scenario is if Mr. Dela Cruz does not even work in the company but only owns it. This time, he only gets dividends and director’s allowances. Since he does not get his compensation as an employee, he is taxed very differently. Whereas employees are taxed a heavy 30%, dividends are only taxed a measly 10%. Now that’s a very big difference! So let’s say he receives annual dividends of P10M (example only), he actually just needs to pay P1M in taxes, even if he is actually not working. That seems to be unfair but this is the reality of our tax laws. I can’t help but be reminded of the very famous saying which goes, “The rich get richer and the poor get even poorer.”, and this is absolutely true in this case.

Who Then is The Biggest Taxpayer

Say for example, another employee of Mr. Dela Cruz (Mr. Celebrido, another fictitious name to represent the high-earning celebrities? Hehe) is earning an annual income of P20M. As an employee, therefore, he has to pay a total of P6M to BIR which is double that of Mr. Dela Cruz’s individual tax payment for the year as an employee. Now let’s put all figures into one place to get a clear picture.

-    Mr Celebrido, the employee, paid a total of P6M for his individual tax
-    Mr. Dela Cruz, the very wealthy employer and employee, paid only P3M for his individual tax
-    But also paid an additional P1M for his final tax from dividends received
-    And, more importantly, also paid another P30M for his corporate tax (as owner of the company)

With the figures above, who do you think paid more taxes and therefore contributed more to the Philippine economy? Mathematically speaking, I would say the richer of the two paid more and therefore contributed more.

Corporations vs. Employees

This is the biggest difference between an employee and an owner of a corporation. Employees are the heaviest taxed among all citizens in any country. Whereas corporations, owners and investors are given a lot more room to create tax savings. That’s the reason why big corporations and the wealthy hire top accounting firms that charge them millions of pesos... that is, to keep their taxes very low... LEGALLY!

Employee to Business Owner

It is painful to know this fact that employees are really carrying the greatest burden in paying taxes but this is the reality we are in. This does not mean however that we can remain default ‘victims’ of the government tax system. There are ways to save on taxes but it is almost impossible to do it as an employee.

I would like to end by asking everyone to give thought about how much more you can earn as a company owner (mostly corporation or even a consultant) compared to being an employee. Is it time for you to consider putting up a business that will grow, using your salary, instead of just remaining as an employee and spending what you receive on expenses and monthly amortizations? Or would it be good to start investing in investment vehicles that are taxed much lower and that can grow your money in time? Interest earned in banks from deposits are taxed a whopping 20% while one can actually get 0% tax on other kinds of investments).

Let me leave you with this idea. I believe that in order to help our country, we need to be excellent employees, and I know we all agree to this. But I also believe that to help our country even more, we need to become excellent entrepreneurs and investors.

Choosing to be one today is the first step. Then let your hunger guide you to where you need to go next.

Do you agree or disagree with what I said? What is your opinion about the richest people and their taxes? What about being an employee as against owning your own business? I'd really love to hear from you. Can you share your thoughts?

Reference: "The Richest Filipinos and the Biggest Taxpayers are Not the Same"

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Do you want guaranteed profits? Is there such a thing?

2010-10-13T01:02:00.005+08:00

As promise, today I'm going to share to you two ways of guaranteed gains or earnings. I'd like to tickle your brains on the two ways (there are much more) of growing your money 'safely':

Private lending
Buying solid gold at a discount

But before you read through the whole stuff below, have you read my previous post entitled "Are you still afraid to invest in the stock market? Do you want guaranteed earnings?"? I suggest you read it first as I discussed why people are still afraid of the stock market and the thus the reason to learn other ways of investing.
Private Lending

Private lending is the method of the rich to grow there money without much difficulty. It has been around for centuries, long before banks have surfaced. So how does private lending work?

Simple. Businessmen with growing businesses sometimes need capital to realize their growth potentials. And the typical place they get the needed capital is through the commercial banks. Most of the times, however, the banks disapprove the loans when your financial statements are not pretty or if your business proposal is not that impressive. Thus, the business idea does not materialize anymore. But not anymore, because of private lending. Unlike the banks where they as you for financial documents to approve or disapprove your loan, you can borrow money from private lenders simply by getting the lender's trust and agreeing to their terms and conditions. So, instead of borrowing from the bank at 12% interest per year. one can borrow from a private lender with the same interest rate but now without the hassle of getting for a loan approval.

Thus, private lending is one way that you can earn passive income with virtually no risk. One downside of private lending if you arte the private lender is that you need to have a lot of liquidity. Another risk is when you lend your money to a scoundrel or a lousy businessman. Therefore, in private lending, you make sure that there is a "collateral" or a certain guarantee. Let me explain.

In real estate investing, private lenders lend their money to real estate investors to buy a property at an interest rate of 12% per year but the money is also guaranteed such that the lender gets the property should the investor defaults on the investment or could not sell the property fast enough.

Some private lenders lend their money at 2% per month (24% per year), 3% per month (36% per year) or even 4% per month (48% per year). These rates really depend on the kind of business that your lendee is into. Just make sure that you lend your money to a legal business activity and not the kind that runs away with your precious money. I personally plan to invest in the business of my uncle in Cebu City with a guaranteed income of 5% every 45 days (40% per year). Not bad, don't you think?

So, is private lending interesting?

Buying Solid Gold at a Discount

The second way to earn guaranteed income is similar to lending where the collateral is a precious metal. Income can come from this form of investing by buying solid (real) gold at a discount. This is not gold trading that is represented by a paper or a certificate but real gold that you can hold on your hand. So, how does this work?

If you are interested in this kind of investing, you will buy gold from a registered solid gold seller at the current market price and hold on to your solid gold for six months. During this time, the issuing company gives you a monthly discount of 1.5% in the form of vouchers for the next six months which equates to a total discount of 9%. This 9% is in fact your actual gain. After the end of the six months, you can either keep the gold (and sell it in the future at a higher price), return the gold and get your original money back (remember you already earned 9% in this six-month stretch) or roll it over by buying it back (retain the money with them) for the next six months for another 9% gain. In one year, you would have already grown your money 18%. Let me give you a sample computation.

If you buy solid gold worth PhP100,000.00 and keep it for six months, you will get a monthly gain (in the form of a discount) of P1,500.00 for the next six months for a total of P9,000.00. If you roll it for another six months, you gain another P9,000.00 for a total annual gain of P18,000.00. Quite small, don't you think? But what if you have a million pesos to spare? You will get PhP180,000.00 per year or a monthly passive income of PhP15,000.00. Now, that can be significant money you can pay for your monthly bills or other needs.

How I Do It Personally?

Today, my cash is mostly into stocks but I am currently studying how to invest money in the forex (foreign exchange) which I will share to you in a future post. I also intend to invest part of my savings account (money for emergencies) in solid gold which will earn me 18% per year instead of a measly 0.5% in the bank. At least money is tied up only for six months at every point in time. As I also mentioned above, I will invest some of my investment account (another bank account where I put my investments) into my uncle's business, which will earn me a good 40% per year.

As you can see, there are a lot of options for you to grow your money. Now that you know these little ways, which investment method have you decided to go for? Is it stock market investing, private lending or buying gold at a discount? Can you share your thoughts with me here?

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Are you still afraid to invest in the stock market? Do you want guaranteed earnings?

2010-10-12T18:02:00.001+08:00

A lot of people are afraid to invest in the stock market because they have heard tons of horror stories about people losing their savings and retirement money in the stock market. TRUE!

Most People Loss Money in the Stock Market

So what's the real score? How many people actually earn money in the stock market? How many poor people lose money in stocks? Well, to answer that, let me tell you about the Pareto Principle or the 80-20 Rule first.

The Pareto Principle states that 80% of what we do account to 20% of our results and inversely, 20% of what we do accounts to 80% of our results. This principle can be amazingly be applied in every area of our lives, the only difference is that the number can become very lopsided such as 90-10 or even 95-5. Some examples of the effect of Pareto Principle are as follows:

20% of your customers give you 80% of your sales volume
20% of the people you know give you 80% of you headaches or happiness
80% of your products are giving you 20% of your sale

Now, how will this relate to putting money in the stock market? This could mean that 20% of the people in the stock market earn 80% of the entire money available in the stocks, which means that 80% of the people actually lose money in the stock market. Now, to test this principle, we need straight facts, right?

So, what is the losing statistics in putting oney in the stock market today? The answer... 80-85%. Wow, that was pretty accurate, isn't it? And this, my friends, is the reason why people are still afraid of putting money in the stock market.

Are You Afraid to Invest in the Stock Market?

However, as I have mentioned in my previous article entitled "Are you ready for the BULL MARKET this year 2011?", you can put money in the stock market either as an investor or as a trader. Most of the people who lose their money are investors who don't know about money cost averaging or are risky traders (i.e beginners or neophytes). I talked about how to do money cost averaging in my previous post which you can read by clicking here.

So, if you want to invest in the stock market, you need to educate yourself by reading investing books or attending stock market seminars. There are a lot of free seminars and paid seminars out there. CitisecOnline offers free trainings to people who have an account with them. Let me know if you need help contacting them. Or if you are really interested, call Ms. Jackie Basbas at +6326365411, +639279616237 or email her at jacqueline.basbas@citiseconline.com. Just tell her I was the one who gave you her contact details because she might be surprised by your call to her mobile number.

I Want Something that is Guaranteed

So, do you want to begin growing your money in the stock market? Or are you still scared of losing your money? If you are still scared, then there are "safer" ways of earning guaranteed money which I will share with you tomorrow. Do you like to know about these?

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Are you ready for the BULL MARKET this year 2011?

2010-10-10T20:05:00.000+08:00

The Philippine Stock Market is expected to enter the BULL MARKET this year 2011. This, according to analysts and market experts from my favorite online stock market broker, CitisecOnline (COL). The PSEi is expected to end at 5,300, or 33% from its level today. This is a result of several factors such as increased consumer spending and investments as well as optimism in the leadership of the newly-elected President Noynoy Aquino or PNoy. Further, stocks are currently under-owned which means there is a lot of room for everyone to ride this financial journey. Finally, there are a lot of stocks that are undervalued which means one can buy these at a very cheap price.

Are You Already Into the Stock Market?
CitisecOnline, in its Market Insight Alert released on September 17, 2010, came up with a list of best buys or what they call best ideas and I want to share it with you in this post.

Before that, let me strongly encourage you now to start investing in the stock market if you haven't done so yet. If you are already in the stocvk market, I encourage you to check you current portfolio and find out if your positions are right or need to be changed. Let me reiterate that now is the best time to invest.

If you are a trader like me, we need to wait for the 'right time' to enter and sometimes this could mean we can entirely miss the ride while an investor can sleep and will still end up in the winning side. However, KNOWLEDGEABLE and EXPERIENCED traders generally earn much higher than investors.

So traders, keep your eyes opened every time. Gees, that's difficult you know. I love what my mentor Bo Sanchez teaches in the TrulyRichClub on stock market investing, because investors don't time the market but rather consistently buy great value stocks.

The Philippine Stock Market Best Buys
Now, on to our list of great value stocks. The list below are stocks that will be re-rated come year 2011. That means the re-rating price is the price of the stock at the start of 2011. I also listed the current price of each stock, the current fair value and of course, the potential upside or potential gain, which is what we are really interested in. I have arrange the list in order of potential gain with the highest listed first. The list includes Engineering Equipment Inc. (EEI), Filinvest Land Inc. (FLI), Megaworld (MEG), Robinson's Land (RLC) , Manila Water (MWC), International Container Terminal Services (ICT), Ayala Land (ALI), FirstGen Corporation (FGEN), First Pacific Holdings (FPH), Security Bank (SECB), Metrobank (MBT), Metro Pacific Investments (MPI), Energy Development Corporation (EDC) amd Meralco (MER). So, here they are:

Just remember, in investing, it doesn't matter how many stocks you buy, what's important is you choose a stock or stocks to buy and make sure you buy it / them consistently, that is, every month.

So, have you decided which stock/s to buy? Let me know which ones so we can compare notes in the future. Is that alright? :)

Download the full report of CitisecOnline here.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

First Gen Corporation (FGEN) Break Out Signalling a BUY

2010-10-07T09:44:00.001+08:00

First Gen Corporation (FGEN) is attempting to break out of an area pattern which could signal a BUY anytime. The current price of FGEN is PhP14.04. I suggest you buy FGEN when it hits the price of 14.10 at the close because by then it looks like a good breakout signal. It has attempted to breakout several times during intraday but eventually loses steam at the close.

There are two target prices, the first one is PhP15.74 for an 11.64% target gain and PhP18.25 for a target gain of 29.43%. In other words, you BUY FGEN at PhP14.10 and sell when it hits either PhP15.74 which is the conservative target or if your appetite for risk is higher, you can sell it at the second target price of PhP18.25. Now, what about the downside. What if I BUY FGEN at PhP14.10 and all of a sudden it goes back to the area pattern? Then you sell it at PhP13.90. The risk is PhP0.20 for a reward to risk ratio of 7.7 times for the first target price (PhP15.74) and 20.25 times for the second target price (PhP18.25).

So, will it try to breakout today? Hmm.. Are you buying FGEN when it breaks out?:)

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Investing in Real Estate Lecture Series by The Urban Institute of Real Estate and Construction

2010-09-15T15:35:00.000+08:00

I just got an email update from The Urban Institute of Real Estate and Construction regarding their latest seminar offer entitled "Investing in Real Estate Lecture Series" headed by the very able Engr. Enrico S. Cruz, who has 40 years of experience in the Philippine real estate business. Engr. Enrico S. Cruz is also one of the mentors of my dear friend and www.foreclosurephilippines.com owner Jay Castillo, who is also an engineer himself.

Below are the details of the Investing in Real Estate Lecture Series.

Investing in Real Estate Lecture SeriesBrought to you by the Urban Institute of Real Estate and Construction

Yulo Caseroom
Asian Institute of Management (AIM-ACCEED)
Benavides corner Trasierra sts., Makati City

SCHEDULE OF TOPICS
TIME: 1:30 to 6:00 PM

( All topics are stand alone and can be attended separately )

Day 1, October 4
INVESTING IN REAL ESTATE: OPPORTUNITIES, TECHNIQUES & WHAT YOU NEED TO LEARN BEFORE INVESTING

Day 2, October 11
LEGAL ASPECTS OFREAL ESTATE SALES AND LEASES

Day 3, October 18
HOW TO'S OF PROPERTY DEVELOPMENT WITH HLURB RULES

Day 4, October 26 (Tuesday)
JOINT VENTURES FOR REAL ESTATE PROJECTS

Day 5, November 9 (Tuesday)
HOW TO MAXIMIZE INCOME OF RENTAL PROPERTIES

Day 6, November 16 (Tuesday)
TAXATION OFREAL ESTATE SALES AND LEASES

Day 7, November 23 (Tuesday)
PROPERTY VALUATION: HOW TO DO IT YOURSELF

Day 8, November 30 (Tuesday)
MAKING BIG MONEY IN DISTRESSED PROPERTIES

For more details and inquiries,
Urban Institute of Real Estate may be reached at
Tel. No. 509-7402 or 796-8019 or
CP 0927-868-9705 or 0939-137-9242 or at email: urbanet.ph@gmail.com

PLEASE FORWARD TO YOUR FRIENDS AND ASSOCIATES IN REAL ESTATE
THANK YOU

URBAN INSTITUTE OF REAL ESTATE
SEMINAR FEES, DISCOUNTS AND HOW TO REGISTER

SEMINAR FEE : Seminar fee is P1,600.00 per day per participant, inclusive of venue (no snacks), handouts, and certificate of attendance.

DISCOUNTS
Early bird discount of P200.00. (If paid 15 days before start and as explained below)

Another discount of P100.00 per day for those registering in at least 4 seminar days or have previously taken 4 or more seminar days

HOW TO REGISTER

PRE-PAID REGISTRATION

ADVANTAGES:
You can avail of the early bird discount
You are assured of your seat
You don’t have to come too early

To be registered for any seminar day, deposit to BPI Account No. 4520-0002-38, account name of Urban Institute of Real Estate; Sta. Elena, Marikina Branch, as follows:

1. If made before 12:00 noon, or or before September 20, the discounted amount is P1,400.00 per day.
2. If made thereafter, no more early bird discount, deposit P1,600.00 per day less any other discounts. Last day for making pre-paid registration is two (2) banking days before the seminar day. Deposits made thereafter will be considered simply as a first-come-first serve basis and not as pre-paid registrations.

Before making the deposit, you must first verify availability of slots by calling 509-7402 or inquire by text CP No. 0927-868-9705 or 0939-137-9242.

After making the deposit, please immediately text us your name, date deposited and the code number of the machine validation in the deposit slip.

URBAN Institute will confirm your registration and reservation by sending you a CONFIRMATION NOTICE by text message, which you have to bring together with the original deposit slip on the seminar day. Deposits without CONFIRMATION NOTICE will not be considered as pre-paid registration.

ON-THE-DAY REGISTRATION
On-the-day registration is also acceptable but on a first-come-first-serve basis only.
To avoid any inconvenience, it is advisable to call us on the day of the seminar or preferably, a day before, to verify the number of remaining slots.
URBAN INSTUTE POLICY ON CANCELLATION OF SEMINAR

1.) Your right to cancel. Once you have made a reservation to attend a seminar, you may still cancel your reservation seven (7) days before the seminar takes place and this will entitle you to a full refund of your payments. No refund shall be made if cancellation is made within seven (7) days of the seminar date.
2.) How to cancel. To cancel a reservation, you must inform us in writing. You can do this by emailing us at . Notice made by mail is considered receive only on the actual date of receipt.
3.) Changes and cancellation. We reserve the right to cancel or alter the date(s), change the venue or change the speakers for any seminar or topic. In the event that we need to cancel or change a scheduled seminar due to severe weather condition, illness, political/social unrest and whatever other reasons, we will inform you by texting or email through the cell phone number or email address that you have supplied us during your inquiries. We will give you as much time as is reasonably practicable in all the circumstances.
4.) Refund of Seminar Fees. If entitled to refund, this shall be deposited, within thirty (30) days from the day we receive your cancellation, to your bank account which you have to give us by email and providing the following information: account number, account name, name of bank, and what branch.
5.) If we make changes to or cancel a seminar we will make every effort to reschedule the seminar for a later date. If we do reschedule the seminar we will notify you in writing of the new dates, times and venues using your email address. On receipt of this update email you have the right to cancel your booking and receive a full refund. The time condition for cancellation above-mentioned will apply as if a new reservation had been made.

DETAILS OF TOPICS

Day 1

INVESTING IN REAL ESTATE: OPPORTUNITIES, TECHNIQUES
and
WHAT YOU NEED TO LEARN BEFORE INVESTING
Whether we are in economic slowdown and looming recession or economic recovery or boom, real estate is always the better investment alternative for the moneyed investors, and as such, there is a strong need to guide incoming beginners and prospective real estate investors, dealers and developers away from the sad misfortunes of loss-making investments. Although real estate investing is one investment area that yields many opportunities and long financial security, this is realized only with knowledgeable investors. Because of the broad, diverse and changing intricacies and techniques of real estate, many newcomers may suffer business failure instead.

The 4-hour lecture will provide helpful guidelines to the benefits of beginning and prospective real estate owners, investors, dealers, developers and realty professionals. It will cover the following: review of the different investment motivations; why invest in real estate; pitfalls and traps in real estate investments; why real estate appreciates; pros and cons of investing in vacant land; different areas of opportunities, techniques and how to’s in real estate investment such as buy and sell or lease; build and sell; rehabilitation of foreclosed and damaged properties; master leasing; converting apartments to townhouses or condominiums; and developing vacant/raw lands.

Also included is a general orientation to all the basic knowledge that is essential to a profitable and successful real estate investment such as real estate economics, legal aspects and contract documents, financing and analyzing investments, property appraisal, property development, development rules and regulations, property management, real estate taxation, property valuation or appraisal and others.

Day 2

LEGAL ASPECTS OF REAL ESTATE SALES & LEASES
with related contracts and documentation

Lecturer: Atty. Rex Enrico V. Cruz III
Anyone who intends to acquire or lease a peace of real estate or who intends to go into any real estate business should be aware of the importance of knowing the different legal aspects of a real estate transaction. This will prevent being swindled or victimized by unscrupulous operators and in other cases avoid misunderstandings that may result to expensive and time consuming judicial court proceedings.
This lecture will cover Contract of sale, options, earnest money, assignment of lease and sublease, issues on improvements introduced by the lessee, sale of leased properties, contract registration and documentations and many other legal questions..

Day 3
INTRODUCTION TO PROPERTY DEVELOPMENT and
HOUSING & LAND USE REGULATORY BOARD (HLURB) RULES

Going into the business of property development involves a series of critical decision-making stages that requires methodical studies and analysis without which, success becomes a hit or miss game of chance. Prospective developers should watch out for pitfall and traps and be aware of the governing rules covering, among others, plans, standards, permits, licenses and reportorial requirements. As an example, it becomes a very expensive learning experience on the part of the developer if later on it would be found out that the plans prepared do not conform to the standards prescribed by the government rules and regulations.

This lecture will provide the needed learning and updates for upcoming and current developers, professionals and property owners and will include the following: property development as a business; why not everybody are property developers; phases of property development; evaluating land potential; when you should not invest in vacant land; feasibility criteria; evaluating economic feasibility; needed government permits and licenses; notes on land development and housing construction; development costs; marketing and subdivision management; notes on industrial, commercial and condominium developments and others.

In addition are the latest updates on the minimum standards and important provisions of PD 957, BP 220, RA 6552 (Maceda Law), implementing rules of RA 7279 (Lina Law) and related issues on subdivision development such as transactions exempt from license to sell, non-completion of developments, turnover or donation of roads and parks & playground, organization of homeowners associations, registration of real estate dealers and others.

Day 4

JOINT VENTURES and SYNDICATION FOR REAL ESTATE PROJECTS
There are three major sectors that can enter into a Joint venture for real estate development. One is the developer who has the experience and knowledge but may or may not have the capital needed. Another is the one with the financial resources and capacity, interested in real estate business but lacks the knowledge or experience. The third is the one with the land who may lack either financial resources or knowledge to develop his land.
It would be a big economic contribution if the three resources can be joined and made productive. However, before a joint venture could be concluded, many questions and other important aspects should be learned, clarified and answered for the protection of all the parties.
The topics to be taken up are Concepts and Types of Joint Venture and Project Syndication; Reasons for Joint Ventures; Obligations of Landowner; Undertakings of the Developer; Role of the Syndicator; Financier’s Role; Packaging a JV Proposal; The Syndication Agreement; Sharing Schemes; Safety Nets For Developer; Safeguards For Landowner; Important provisions in a Joint Venture Agreement; Participation Mortgages and others.

Day 5

HOW TO MANAGE AND MAXIMIZE INCOMES OF RENTAL PROPERTIES
The common mounting problem of property lessors, who are sometimes forced to sell their properties because of mounting and numerous problems are, among others, high vacancy, defaulting and problematic tenants, increasing cost of repair and maintenance, increasing property taxes and harsh zoning ordinances and others.
While these situations provide good business opportunities to other real estate investors who have management skills and know-how to overcome such problems, present owners should also aim to gain more skills and knowledge to avoid such unwarranted liquidation of their properties.
The seminar will cover the following topics: reasons for property management; the property management functions, objectives, organization and designations; important and must-include provisions in the lease contract; advertising; correct tenant selection; how to retain good tenants; how to solve common problems with tenants; rent escalation clauses; collection techniques; property maintenance; how to avoid unnecessary repair expenses; insurance; budgeting and recording; hiring professional property managers; management contracts; and other related subjects.

Day 6

TAXATION OF REAL ESTATE TRANSACTIONS
In any real estate investment or project, all the revenues and expenses were estimated and pre-determined at its very start or conception, serving as the basis for the acceptance or rejection of the proposed investment. The realization of the projected revenues and expenses can negatively be affected by unforeseen events. One of such is tax penalties and surcharges that can be brought about by neglect, ignorance or incapacity to pay on the part of the investor.
Considering that there are frequent changes and issuances of new revenue regulations, new and would be investors and even experienced ones should be knowledgeable and updated on the changes in the taxation rules in order to pay the correct taxes at the right time, thus avoiding penalties.
Topics to be taken are Taxes on Sales and Lease; Value Added Tax, Donor’s Tax and Estate Tax. This will include what taxes to pay in any real estate transaction, basis and how to compute taxes, when and where to pay, BIR forms, exemptions from taxes, latest Revenue regulations and other updates.

Day 7

PROPERTY VALUATION: HOW TO DO IT YOURSELF
What is the Market Value of a certain property? Do you need to hire an appraiser or can you do it yourself? How would appraisal be done? How reliable is appraisal for making investment decision in real estate? How do you become a licensed real estate appraiser? These are only some of the many questions that would be answered in the seminar on “The How To’s of Property Valuation” that URBAN Institute will conduct.
The seminar covers the topics: needs for appraisal; principles of real estate values; factors that influence real estate values; how appraisals are done and methodologies; data collection and verification; appraisal methods for valuation of lots only, lot with improvements and properties with income; what price to pay for raw lands intended for subdivision development; how to scrutinize appraisal works & accuracy of values; how yo can do it yourself and many others.

Day 8

MAKING BIG MONEY IN DISTRESSED PROPERTIES
Properties-in-distress offers of lot of opportunities to real estate investors not only in terms of good profit but also the opportunity and challenge of saving the owner’s credit standing and remaining equity in the property. In addition, the good image of the neighborhood is restored after rehabilitating dilapidated properties. It also saves the distressed owner from more sleepless nights and gives him a new start with the money saved from the avoided foreclosure.

The four-hour lecture includes the overall strategies; keys to success; how to find distressed properties/sellers; how to make your offer; important provisions for your protection; negotiating strategies with owner and lender; common mistakes that should be avoided; valuing properties by do-it-yourself appraisal; many tips on inspecting properties, financing, rehabilitating the property, selling the property, documentation and registration, taxation; and other important related topics.

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
LECTURERS’ PROFILES

ENGR. ENRICO S. CRUZ has almost 40 years of working experience in the field of engineering, construction, real estate and education. As a Civil Engineer, he taught after graduation for five years in his alma mater, Central Colleges of the Philippines and at the same time, he manages his own construction company, Enrico Engineering and Management Services. He was the Vice-Dean for Engineering for two years.

He placed 1st in the real estate appraisal board examination in 1994 and 8th in the real estate broker’s board examination in 1988. He is also a licensed real estate consultant and a real estate fellow.

His past membership in real estate organizations includes the Chamber of Real Estate and Builders Associations, Inc. (CREBA), Real Estate Brokers Association of the Philippines (REBAP), where he was past president of the Marikina Chapter and Philippine Council of Real Estate Educators (PHILCORE).

At present, he is the President of URBAN Institute of Real Estate engaged in real estate education; United Realty Brokers and Appraisers Network, engaged in realty brokerage, appraisal and consultancy. He is also the former Chief Operating Officer of First Amson Realty Development Corp. that was involved in housing and land development.

Author of “Comprehensive Notes and Reviewer for Real Estate Brokers” and “Mastering the Real Estate Broker’s Exam” and handouts/study materials for various real estate seminars.

So, are you attending any of the series topics? If you are, which one? I might attend also.:)

May you achieve true success!

Bryan PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

The Philippine Stock Exchange (PSE) is Too Fast, Too Furious

2010-09-13T11:47:00.002+08:00

Megaworld (MEG) and the rest of the stock market is going up too fast, in my opinion. There's now a greater risk of it pulling back for a correction. Today, just after 12 days, my MEG portfolio is already 21% from 12.97% last Friday, an 8% gain in one day. Hmm... I might need to sell 30% of my position in MEG to lock in my profits.

If you are a trader, you might need to sell your trading position (about 25-30% of your position in one stock) to secure your profits. If you are an investor, you don't need to do anything. Jusdt continue investing a fixed amount of money every month or every quarter.

How about you? Are you a trader or an investor? Are you selling you trading position?

May you achieve true success!

Bryan PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Cheating: Is integrity and honesty important in investing in your future?

2010-09-13T00:08:00.002+08:00

I'm gonna make a confession to all of you that only my wife and my spiritual counselors know. It's about cheating my way to avoid being put to shame... and what's worse is the kind lady I cheated trusted me as a result of my cheating her. Sounds weird? Let me tell you my story so you'll understand what I mean.

A Consistent Cheater

When I was in 3rd year high school, I flunked my chemistry class because my barkada (friends) were caught cheating by our Chemistry teacher during our quarterly exam. It was humiliating. This was the first time I got caught cheating. But there's another story after this.

During my summer classes with the same chemistry teacher, we had another exam. (Yes, I flunked my Chemistry class). And guess what, all of my classmates cheated. What's worse is I also peeped and I remember getting at least one answer right because I cheated...again! While everyone was cheating, our teacher barged into the room like a lighting strike and everyone was caught looking at their notes... except me. At this point, our Chemistry teacher, screamed in anger "Who cheated among you? Raise your hands or I'll flunk everyone in this room. No exceptions." Everyone raised their hands, about 5 or 6 of them. Except me. I knew I cheated. But I was too scared to admit it. I felt my life will crumble if people outside that room will learn about my cheating sprees. What would my mom and dad say? What would my lola (grandmother) say? How about my church friends? So I was the only one who didn't raise my hand. My classmates didn't really know that I cheated. They really thought I was clean. And because of that, I found favor with my Chemistry teacher. Since that time, she looked at me as an honest student. (Oh no! What have i done? What a lie!)

A Miraculous U-Turn

But something magical happened because of that incident. Before this, I always had a hard time studying. Almost every subject was below average except for Physical Education (Come on guys, you have the same high grades in PE as I did, didn't you?). Oh, I was also exempted in Citizen's Army Training (Does this subject still exist today?) because I was part of the high school band.

After that incident however, thing changed. When I entered 4th year high school, I started to become conscious about studying. I felt guilty that I passed the Chemistry class with high grades. I think I got 85. Hey, that was already very high for me. I felt I needed to prove I deserved that grade.

I started to study harder and slowly by slowly studying became easier to do. In fact, I started to love studying and excelling in class. My Chemistry teacher, now my teacher in higher math, trusted me to check all the math test papers of the entire 4th year students, including mine. Haha... I could have cheated again by being lenient with my test paper answers and tough on my 'competitors' but I felt a heavy responsibility to be honest because of the trust she gave me. I was in the top three in her subjects. I also excelled in my other subjects like Filipino and computer where I also was among the top three students in the entire 4th year class. In fact, I was exempted to take the finals for both subjects. By graduation time, my computer teacher (who was another person in my life who inspired me to excel) told me I was supposed to be a candidate for 1st honorable mention but my grades in third year disqualified me for the honor. At that time, I told myself I didn't really care because I knew my study life had drastically changed because of my third year boo-boo.

The rest was history.

From a so-so student in most of my high school life, I went on to graduate with cum laude honors in college and was a consistent dean's lister in my graduate studies. Now, studying is an integral part of me. But what's important is I have learned to value honesty and integrity very high in my life. As King Solomon puts it,

"A good name is more desirable than great riches; to be esteemed is better than silver or gold." - Proverbs 22:1 (NIV)

A Grateful Heart

I wish I could say I didn't cheat in my life. But I couldn't. But, today, I'm gratefully indebted to my high school Chemistry teacher who trusted me. I couldn't over-emphasize how she has helped changed my life. And, she doesn't even know it. (If my Chemistry teacher is reading this post now, I want to tell her, "Thank you very much and i owe my success in academics to you." and "I'm so sorry I lied and didn't have the guts to tell you the truth.")

Train Up a Child the Way He Should Go

Let me end with another story which I got from someone and it talks about how valuable teaching integrity and honesty is to our children when they are still young. Here it is:

Stu Weber, who pastors a church in Portland, Oregon, and is the author of such best-selling books as: Tender Warrior: God’s Intention for a Man, remembers an evening he spent many years ago as a seven-year-old boy playing Parcheesi with his grandparents. (Now there’s a game you don’t hear much about anymore.)

Well, the last thing Stu wanted to do that night was lose to his grandma. So, sensing the tide swinging in her direction, he scanned the board, looking for options, and found only one that offered him much hope of winning.

Cheating.

Not everyone, however, has the poker face to pull this off. Stu didn’t. And not everyone has parents or grandparents who are courageous enough to take character seriously—enough to hand it down at every opportunity. Stu did.

Stu still remembers his grandfather—seeing what was going on—peering over his glasses at his grandson and saying, “You’re a Weber, boy; and Weber boys don’t lie, cheat or steal.” This grandfather was a wise man; not only was he calling his grandson to obey the Scriptures, but he also wanted Stu to realize he was part of a family of character.

There would be times later in life—as a Green Beret in the military, as a father, as a pastor—when Stu would be faced again with the chance to cheat his way out of a bad situation. But he would always hear these words in the back of his head: “You’re a Weber, boy; and Weber boys don’t lie, cheat or steal.”

A family legacy is powerful. Your children (or grandchildren) need to hear those kinds of memorable words from you.

I had to learn about integrity and honesty the hard way. I just thank the Lord He was gracious to me. He gave me the strength and wisdom to eventually choose what was right. Today, I teach my child tnd will continue to teach my children the importance of integrity and honesty. As the wise King Solomon aptly puts it,

"Train a child in the way he should go, and when he is old he will not turn from it." - Proverbs 22:6 (NIV)

So, how valuable is honesty and integrity to you? How about for your kids? Care to share your thoughts and stories with me? Share them in the comments section below.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Megaworld (MEG) bounces off trend line on September 01, 2010. I bought MEG at PhP1.88.

2010-09-10T15:13:00.004+08:00

Megaworld Corporation (MEG) bounced off its upward trend line on September 01, 2010. I decided to buy it. The price was P1.88.

On the day I bought Megaworld Corporation shares, I wanted to tell you right away so you can also decide to buy it but eventually decided not to because I was not ready to receive angry comments from you if you bought it with me and lose your precious money if ever it went down. But now, only nine days after I bought it, I want to tell you that the price of Megaworld (MEG) has increased 12.97% at P2.13. What I want to say is that the trending analysis I did was right. Of course, the risk of losing is always there but I always make sure my reward to risk ratio is three is to one (3:1).

Today, my portfolio is up 28.89% since July 2010. You can see what I have bought so far, at what price I bought it, the current price and more importantly, the % gain so far.

Company	Code	Bought	Current	% Gain
First Pacific	FPH	59.3245	64.2000	8.22%
Metrobank	MBT	62.8348	74.0000	17.77%
RFM Corp	RFM	1.3051	1.9400	48.65%
Universal Robina	URC	28.6057	38.7500	35.46%
Megaworld	MEG	1.88	2.13	12.97%

Do you want to get an update from me if I spot something that's worth buying? I am fully load at this point with already 5 companies on my portfolio. So I won't buy anymore. i want to follow my own rules. Hehe.

So, do you want to receive updates from me? Appreciate it if you drop a comment so I know if someone is interested.

May you achieve true success!

Bryan PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

"This is good!": The Power of Positive Thinking

2010-08-25T10:06:00.000+08:00

I read a story I got from the internet about how positive thinking can help us get "what we want" from life. The Bible tells us something about this in that we should be thankful in everything, whether good or particularly during bad times. The Bible says, "In everything, give thanks." - 1 Thessalonians 5:18 (NASB).

Today, I'd like to share to you that short story. I hope you enjoy it.

An old story is told of a king in Africa who had a close friend with whom he grew up. The friend had a habit of looking at every situation that ever occurred in his life (positive or negative) and remarking, "This is good!"

One day the king and his friend were out on a hunting expedition. The friend would load and prepare the guns for the king. The friend had apparently done something wrong in preparing one of the guns, for after taking the gun from his friend, the king fired it and his thumb was blown off. Examining the situation the friend remarked as usual, "This is good!" To which the king replied, "No, this is NOT good!" and proceeded to send his friend to jail.

About a year later, the king was hunting in an area that he should have known to stay clear of. Cannibals captured him and took him to their village. They tied his hands, stacked some wood, set up a stake and bound him to the stake. As they came near to set fire to the wood, they noticed that the king was missing a thumb. Being superstitious, they never ate anyone that was less than whole. So untying the king, they sent him on his way.

As he returned home, he was reminded of the event that had taken his thumb and felt remorse for his treatment of his friend. He went immediately to the jail to speak with his friend. "You were right," he said, "it was good that my thumb was blown off." And he proceeded to tell the friend all that had just happened. "And so I am very sorry for sending you to jail for so long. It was bad for me to do this."

"No," his friend replied, "This is good!" "What do you mean,'This is good'? How could it be good that I sent my friend to jail for a year?" "If I had NOT been in jail, I would have been with you."

New eBook Download: Revolutionary Positive Thinking

2010-08-22T21:31:00.000+08:00

This short and simple book will show you how revolutionary positive thinking can greatly improve our relationships, work attitude, our children's self esteem and health. It also tells us why we need to expect miracles before we can start receiving miracles.

To download the ebook, go to http://investingpinoy.blogspot.com/p/downloads.html and click on "Revolutionary Positive Thinking".

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

John Calub's THE FIREWALK BOOTCAMP 3 "Mastering The Laws of Prosperity To Fireproof Your Dreams"

2010-08-21T23:20:00.003+08:00

After the Money Magnet Seminar and the Attracting Wealth Seminar of John Calub Training, Inc., comes the Firewalk Bootcamp: Mastering the Laws of Prosperity to Fireproof Your Dreams. I believe the objective of this one-and-only Firewalk Bootcamp in the Philippines is to overcome your fears. If you can walk a few meters through broken glass and burning coals and if you can break arrows and bend metal bars, then you can most probably do just about anything. If you are interested in this, then you might want to read on. Personally, I believe in the words of God in the Proverbs which states that "The fear of the Lord is the beginning of wisdom." Nevertheless, I also believe this would be a wonderful experience, that of being one of the very few (can I say par of the elite) to say "I have walked through fire!"

THE FIREWALK BOOTCAMP 3

"Mastering The Laws of Prosperity
To Fireproof Your Dreams"

Dear friend,

Greetings! We would like to formally announce that we are now accepting public registrations for Batch 3 of the Philippines' most awaited personal development program.

Date: October 1 (Friday), 2 (Saturday) and 3 (Sunday)

Venue: Tagaytay Country Hotel

For registration and inquiries: Call 748-7646 or 382-9997 and look for Charm or Belle.

Register today to avail of our early bird promo! Due to the ever-increasing demand for this training seminar which we rarely conduct, please note that this program will get sold out with or without you. So don't wait any further and don't second guess. Register now!

We invite you to experience an unforgettable 3-day workshop that will change your life forever!!!

ARE YOU READY TO RECEIVE THE BIGGEST INCOMES OF LIFE DESPITE THE WORLD'S WORST FINANCIAL CRISIS?

www.firewalkphilippines.com

Introducing Bo Sanchez's FamilyReborn Club

2010-08-21T19:56:00.002+08:00

Your Family Is Under Attack!

http://bit.ly/BoSanchezFamilyReborn

I remember my first big fight with my Marowe.

We were about one year into our married life.

We were in the car, driving to a prayer meeting, of all things.

And then something I said—something very small (at least in my mind)—triggered World War III.

She began to cry.

I began to shout.

It was awful.

By the time we arrived in the parking lot, we were still fighting.
“I can’t go to the prayer meeting,” she said, her voice filled with pain.

“Let’s go home!” I said loudly, turning the car around.

We drove back to our house in dead silence.

I was seething in anger.

And she was too.

The air was heavy with tension.

When we arrived home, the fighting continued.

We threw hurting words at each other.

After more than two hours of accusations, counter-accusations, we were totally exhausted.

I asked her, “So what do you want to happen?”

“Happen to what?” she asked.

“What do you want to happen to this marriage?” I said.

“What do you want happen?” she asked.

Both of us were bringing up the possibility of separation.

That was when something supernatural happened…

God Hit Me On The Head

http://bit.ly/BoSanchezFamilyReborn

I felt it. She felt it.

It was like God entered the scene.

And we both began to cry.

And embraced each other.

As we held each other, I heard God’s voice in my heart. It was chilling. (Actually, I felt God hit me on the head!)

He said, “In your conflicts, you should never even mention the possibility of separation. When you do, you insult your wife. You insult the sacred covenant between you. And you insult Me, the one who brought you together.”

“Forgive me,” I said.

I shared my thoughts to Marowe.

And that day, we made a decision never to bring that “separation” card up again—no matter how big our fight was.

Here’s the amazing thing I’d like to share with you.

That event happened 12 years ago.

And that was the last big fight we ever had.

God Has Taught Me

How To Build A Phenomenal Marriage —

And I Believe You Can Too!

http://bit.ly/BoSanchezFamilyReborn

Don’t get me wrong.

We still fight. Probably 3 times a day!

But each fight would last for 10 seconds long.

And it’s over. I’m not kidding.

Here’s why: We’ve made a decision to be upfront whenever we get hurt. We don’t hide it, or allow it to build up and later see it explode like a volcanic eruption.

We’ve agreed to share our hurts to each other right away.

And we immediately ask for forgiveness from each other.

I’ve learned other powerful principles of blessing our marriage. Believe me, they work!

Each year, I feel our marriage has gotten stronger.

And these principles have spilled over into our relationship with our 2 boys. We enjoy a fantastic relationship with Benedict and Francis.

Another powerful reason why I feel our family life is strong is rooted in something that happened to me many years ago—when I was still single.

Let me share that inspiring experience with you…

To continue reading Bo's family story

and learn how to have a wonderful family yourself

go to http://bit.ly/BoSanchezFamilyReborn

How to Easily Get Rid of Credit Card Annual Membership or Renewal Fee

2010-08-19T13:50:00.000+08:00

Hello everyone,

I've been very busy lately since I've been concentrating on my environmental engineering consultancy business. I know I owe you guys several posts already about "Attracting Wealth" and "How to Be A Money Magnet" and I promise to finish the articles about these topics. I just need to find time to write about it.

But, what I want to share with you today is something else. I recently read an article from a business magazine contributor about how to totally avoid paying expensive credit card annual membership fees or renewal fees. After reading the article, I just realized I have never actually paid annual membership fees, ever since I used a credit card about 5 years ago. But, I discovered this entirely by accident when I called up the issuing bank and asked why I need to pay annual membership fees when I could just shift to another bank who's giving me a free one year membership. The answer initially surprised me, because they said they can request for a reversal which means I don't have to pay for the membership fee which they charged. Annual membership fees rang from P1000.00 to up to P2,500.00.

Since then, when I receive my credit card billing statement and I see that they have charged me the annual membership fee, I confidently give them a call and request that it be waived or reversed, and this has never failed me ever since. You see, I believe they make around 3-6% every time you purchase something using your credit card. Now, you might ask, where they charge this, right? The answer is they charge this to the entity where you made your purchase. For example, you used your credit card to buy a cup of Starbucks coffee worth P100.00, the credit card company charges Starbucks around P3.00-P6.00 such that the actual amount that they pay Starbucks is not P100.00 anymore but only around P94.00-P97.00. So, every time you use your credit card, the credit card company is already earning. That's the very reason why they are willing to waive your annual membership fees... every time you request for it!

So, are you still unnecessarily paying annual membership fees? If you are, stop doing it because there is a way. All you need to do is ask the credit card company to waive your fees or reverse it. I'm almost certain they will approve it right away. Hope this saves you a couple of thousands every year.

Share your comments here about your experience with this.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

You Might want to BUY First Gen Corporation on Bounce off Trend Line

2010-07-29T19:35:00.002+08:00

Hello guys,

I'm looking at buying First Gen Corporation (FGEN) which touched its trend line today. Although indicators such as moving averages (MAs) and MACD (it's negative now) are not that impressive, I might still buy it if the volume also takes up speed. Meanwhile, let's see what happens. By the way, I notice a lot of you have been clicking on the InvestingPinoy Power Trade Box, I just want you to know that I have temporarily suspended the updating of the matrix and charts. I need to tweak it a little bit more so everyone can take advantage of it.

DISCLAIMER: Please understand that I am no expert in technical trading terminologies. But I think I have gained some experience on how to choose winning stocks.

So, are you buying FGEN? Don't ask me. Check the data for yourselves and see if it's a good buy for you.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

ATTRACTING WEALTH: How To Program Your Mind For Success in 21 Days! A John Calub Seminar

2010-07-29T19:10:00.000+08:00

Hello Guys,

Did you attend the first seminar of John Calub entitled "How to Become a Money Magnet"? Now, wasn't that something? I learned a lot from it. What's really surprising is that all the principles he shared that day, I already know or at least have heard of before. In fact, everyone in that seminar already knew the principles that John Calub revealed. He just presented it to us in a different way. For those of you who believe in Jesus, it's like hearing the words "Seek first His kingdom and righteousness, and all these things will be given to you..." and still we don't seek it.:) Sounds familiar? In my case before and to a lesser extent until the present , it's a phrase all too familiar but not really understood well.:) So, for those of you who have not attended that seminar, I believe that there will be another one by the 4th quarter of this year (maybe November). If you can;t wait, I started writing about what I have learned from the "How to Become a Money Magnet" already and you can read the post HERE. I still need to finish the other posts so hope you can wait for those.

Meanwhile, I will attend John Calub's second training entitled "ATTRACTING WEALTH: How To Program Your Mind For Success in 21 Days!" this coming Saturday, July 31, 2010 at the SMX in Pasay City. The seminar is worth P8,000.00 but they sent me an email saying they will give a 50% discount. So, if you are interested to attend this seminar, you can get it only for P4,000.00. I got my ticket for only P3,000.00 because I paid a reservation a month ago during the How to Become a Money Magnet seminar. See seminar details below.

WHAT IF YOUR YEARLY INCOME BECOMES YOUR DAILY INCOME?

Find Out How You Can Do It!!!

You Are Cordially Invited To Attend

ATTRACTING WEALTH
"How To Program Your Mind For Success in 21 Days!"

I. WHAT YOU'LL DISCOVER:
A. Morning Session (8 am to 12 pm)
-Why becoming wealthy is better than becoming rich
-True success is equal to ever-expanding wealth
-The Creative Process: A 3-step process that you can easily follow to attract whatever you want (your dream house, your dream car, etc.)
-7 Powerful techniques to ask for what you want
-Why releasing can speed up your attraction
-The two vital steps in receiving prosperity and abundance in your life
-Taking inspired action: How to work less and get more
B.Afternoon Session (1 pm to 6 pm)
-What is brain synchronization: rewiring your left and right brain together for peak performance
-2 cutting-edge methodologies to program your mind
-The Grand Mission Technique: How to use a business card/calling card to attract millions into your life
-The different levels of the mind and how to use them for rapid attraction
-How to switch your wealth thermostat to millions in only 5 minutes a-day
II. WHAT PREVIOUS GRADUATES SAY ABOUT THIS COURSE:
-"After attending this seminar and applying the techniques taught in the course, my income went up to a seven-figure figure monthly income. I'm now earning more than 1 million pesos every month! Amazing!!! -Mr. A. Gader
-"In less than 21 days after using the technology my income soared to 7-figures and until today, it is ever-expanding!. The dramatic increase paved the way for my purchase of a brand new AUDI R8 luxury sports car worth more than 10 million pesos!" - Mr. H. Sison
-"I'm from Iloilo and somebody just invited me to attend this in Manila. Honestly, I had a hard time deciding. However, it's been a year now since I applied John's system and after attending, I was able to purchase 3 dream cars! Not only that -the construction of my dream house is about to be finished! -Mr. V. Apelado
EVENT DETAILS:
Date: July 31, 2010 (Saturday)
Venue: Room 1, SMX Convention Center, SM Mall of Asia, Pasay City
Time: 8 am to 6 pm

III. REGISTRATION
1. Walk-in Rate: P8,000.00 per participant

2. PROMOTIONAL RATE For Pre-Registered Participants: Only P4,000.00 per participant (Enjoy 50%) if paid on or before July 30, 2010 (Friday).

3. REGISTER NOW!

A. Payments accepted at the following:

    BANK OF THE PHILIPPINE ISLANDS (BPI)
      Company: John Calub Training, Incorporated
Account Number: 3881-0031-11
      Type of Account: Current Account
       over the counter, www.bpiexpressonline.com, mobile/phone banking, ATM transfers

      BANCO DE ORO (BDO)
    Company: John Calub Training, Incorporated
      Account Number: 2902-425-92
Type of Account: Savings Account

      Globe GCASH
    GCASH Number: 0916-551-6146

B. Call our office (look for Charm or Belle) for your registration details:
      a. Call: 748-7646 / 382-9997 / 744-2925
      b. Text: 09052245908
      c. E-mail: jctimarketing@gmail.com

To your prosperity,

John Calub
CEO and President
John Calub Training, Inc.
www.johncalubtraining.com

P.S.
Our next Attracting Wealth seminar will be held six months from now. So why delay your success?

CALL US NOW AT 748-7646!!!
If our lines are busy, call again!

Call me at 5150238 or send me an SMS at 09175555823 so we can be seated together this Saturday. I will be with my dear friend Jay Castillo who owns www.foreclosurephilippines.com. So, who's joining me?:)

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

4th Philippine Real Estate Festival at the World Trade Center this July 29-31, 2010

2010-07-26T18:55:00.001+08:00

Hello everyone,

Are you attending the 4th Philippine Real Estate Festival at the World Trade Center which opens this Thursday (July 29, 2010) and runs until this Saturday (July 31, 2010)? If you are into real estate investing or are interested to venture into real estate investing or maybe even simply looking for that dream house from the thousands of foreclosed property listings that will be offered there by different banks and foreclosed , then you should at least visit the event on one of the event days. This years theme for the 4th Philippine Real Estate Festival focuses on Tourism and how real estate will play a vital role in the global tourism for the Philippines. Below are the event details as well as the program. You may also visit their site at http://www.philrealestatefestival.com/.

EVENT TITLE: PHILIPPINE REAL ESTATE FESTIVAL 2010
THEME: “Global Tourism and Real Estate Development
- Sunrise Industries for the Philippine Economy”
VENUE: World Trade Center
ADDRESS: Roxas Blvd. cor. Buendia St. , Pasay City
DATE: July 29 to 31, 2010

OBJECTIVES:
Provide an opportunity and venue for all signifi cant players in real estate and tourism in the Philippines and its global partners and allies to exchange ideas and experiences in the growth and development of real estate and tourism in their respective economies.
Showcase successful models and best practices in real estate and tourism development.
Link up fund providers and managers with developers and other investors engaged or interested in new emerging projects aimed at the global market.
Educate the general public on emerging technologies, changes in lifestyles and trends, borderless economies and cultures, and the benefi ts of global travel and cultural exchange.
Engage local governments as purposeful investors in real estate and tourism.
EXPECTED PARTICIPANTS:
Fund providers, managers and investors from the Asean region and international groups.
Foreign Chamber of Commerce and Industry
Business practitioners in the fi elds of real estate, housing and tourism.
Professional and trade or industry associations that support the real estate, housing, and tourism industries.
Government entities, both national and local, whose mandates and spheres of influence affect the growth and development of real estate, housing, and tourism.
Financing institutions, development corporations, BPO companies, hoteliers and resort operators, travel and tour operators, and the like.
Non-government organizations, schools, and training institutions that aim to develop a critical mass of workers all over the country in globalized tourism and real estate development and management.
Local government leaders.
GENERAL FEATURES OF THE FESTIVAL:
Conferences, public for a on specifi c topics of interest to the real estate and tourism industries, and other learning sessions.
Exhibits, displays and demonstrations-all integrated by a shared vision of globally-competitive real estate and tourism industries.
Business Matching and Promotion between and among the participating entities, foreign or local.
Sponsored luncheons and dinners and fellowship activities.
Active participation of distinguished foreign practitioners in the real estate and tourism businesses.
Site visits to model projects

PROGRAM SCHEDULE
DAY ONE (Thursday, 29 July 2010)
Morning Session
FORMAL OPENING OF THE FESTIVAL EXHIBIT & Displays
OPENING PLENARY SESSION

Thursday, July 29, 2010 – The World Trade Center, Pasay City (official venue)

9:00 : Registration & Assembly

9:00 – 10:00 : Mass – Fr. Fernando M. Suarez

10:15 : Ribbon Cutting,Official Remarks & Tour of the Festival Exhibits

His Excellency Vice-President Jejomar C. Binay
(Public Viewing of the Exhibit Displays will follow)

11:00 : Opening Plenary Session

Invocation – Fr. Fernando M. Suarez

Healing the Soul of the Nation

National Anthem

Welcome Remarks

Rosemarie C. Basa, PREF President & CEO

Festival Overview

Dr. Jaime A. Cura, Chairman, PREF Board of Advisors

Introduction of Keynote Speaker

Keynote Address

His Excellency Benigno C. Aquino III
President of the Philippines

Adjournment

12:00 – 2:00pm : Luncheon Program: “New Communities for the New Filipino” (A Special Session on Alternative Models of Housing & Community Development – hosted by the San Miguel Group of Companies)

Opening Remark
Atty. Karlo Marco P. Estavillo
Vice President, San Miguel Corporation &
General Manager, San Miguel Properties

Entertainment – Noel Cabangon, Angelo’s & other Artists

Short Remarks: Mr. Iliac Diaz
Founder, My Shelter Foundation

Mr. Antonio Meloto
Founder, Gawad- Kalinga

Atty. Alex Lacson
Organizer, Tuloy Pnoy Movement

Mr. Efren Penaflorida
CNN 2009 Hero of the Year

Closing Remarks
Ms. Karen Ramos
Marketing Manager, San Miguel Properties Inc.

Afternoon Session

Plenary Session II
“Positioning the Philippines for the Global Tourism Market”

2:00- 2:30 : “Developing Philippine Real Estate With An Eye To Global Tourism”
The Hon. Alberto A. Lim
Secretary, Department of Tourism

2:30 – 3:00 : “Overview of the Philippine Real Estate Market”
Mr. Lindsay John Orr
Chief Operating Officer, Jones Lang La Salle Leechiu

3:00 – 3:30: “Practical Strategies in Finance & Infrastructure for
Emerging Markets in Real Estate and Tourism”
Mr. Arun Savkur
Managing Director, Quantum Group (New York, USA)

3:30 – 4:00 : “Sourcing Global Funds for Emerging Real Estate andTourism Markets – How Can the Philippines Qualify?”
Mr. Rick Bernie Kawulia
Marketing Specialist, Funds Management (Retail &
Wholesale, Local & Global) (New South Wales, Australia)

4:00 – 5:00pm : Media Conference: A Televised Forum on Development of
World-Class Real Estate and Tourism Projects Fund Sourcing
To be hosted by Mr. Tony Lopez
DAY TWO (Friday, 30 July 2010)
ASIAN FESTIVAL

10:00 – 10:30 : Raffle

10:30 – 12:30pm : Plenary Session III
An ASIAN Symposium on Model Projects and Best Practices
In Real Estate and Tourism Development

Invited Speakers are Ambassadors and Eminent Persons from
the Asian Region like China, Singapore, Japan, Thailand,
Malaysia and Indonesia. To be hosted by Dr. Jaime A. Cura.
The Symposium will provide an opportunity to learn from the
experience of some of our Asian neighbors whose real estate
and tourism industries have significantly contributed to the
development of their national economy.

12:30 – 1:00pm : Raffle

Afternoon Session

2:00 – 5:00 pm : Plenary Session IV
Topical Presentations on Real Estate & Tourism Development
by Industry Leaders

1:00 – 2:00 : Holcim

2:00 – 2:30 : “Developing Real Estate for Modern Lifestyles”
Ambassador Jose E.B. Antonio,
Chairman, Century Properties, Inc.

2:30 – 3:00 : “First-Class Communities for the Low-Income, The
Xevera Experience — A Re-Engineering of Low-Cost and
Socialized Housing”
Mr. Delfin Lee
Chairman& CEO, Globe Asiatique Realty

3:00 – 3:30 : “Business Opportunities in the Retirement Industry”
Mr. Marc Daubenbuechel
Manager, Retirement & Healthcare Coalition for
European Chamber of Commerce in the Philippines

3:30 – 4:00 : “Today’s Major Challenges in Developing New Communities
Around the Country”
Mr. Henry Yap
General Manager, Robinson’s Land, Inc.

4:00 – 5:00 : Open Forum
[Note: Continuous viewing of Exhibits & Displays from 10:00 a.m. to 8:00 p.m.]

7:00pm : ASIAN CULTURAL FIESTA
An Evening of ASIAN Food, Music, and Dance
New World Hotel, Makati City
(By Invitation)

Participants are invited Friends from the Diplomatic Corp., the Real Estate, Tourism &Business Leaders & Government Officials.
Attire: Strictly Formal Ladies: Evening Gown or Terno
Men: Barong Tagalog or Coat & Tie
To be hosted by Mr. Johnny Litton
DAY THREE (SATURDAY , 31 July 2010)
Morning Session

9:00 – 12:00pm : Plenary Session V
Public Service Consultation on Business Concerns
Related to Real Estate, Housing, & Tourism

This Forum will feature a Select Panel of Industry Resource Persons who will Answer, Questions & Offer Practical Advice on Industry-Related Matters. A 15 minutes opening remarks from theSpeakers followed by a Question & Answer Portion.

9:00 – 10:00 : Balikatan Group

9:30 – 9:50 : “Community Mortgage Program to Respond to Housing Backlog
for Marginalized Groups”
Atty. Fermin Arzaga, President, SHFC

9:50 – 10:00 : Closing Remark – Balikatan Group

10:15 – 10:30 : “Housing for CCW & other Groups”
Atty. Jose Malvar Villegas
Founding Chairman, Citizen Crime Watch

10:30 – 10:45 : “How Can You Be Sure That the Title to Your Property is
Genuine, and Not Fake?”
Dr. Jaime A. Cura,
CEO of Creba Land Services & Title Warranty Corporation

10:45 – 11:00 : “How Can You Avail of Housing Loans Without Over-Extending Yourself?”
Mr.Jaime Fabiana, CEO of Pag-ibig Fund

11:00 – 11:15 : “What Does RESA Require of Real Estate Service Practitioners?”
Dr. Eduardo G. Ong,
Chairman of the Professional Regulatory Board of RESA

11:15 – 11:30 : “The Role of LGU in Tourism & Real Estate Development”
Hon. Hermogenes “Jun” Ebdane Jr.,
Gov. Province of Zambales

11:30 – 11:45 : “What Are the Tax Obligations of Homebuyers?”
Mr. Vic Mamalateo, Former BIR Deputy Commissioner

11:45 – 12:00 : “How Can You Harness the Positive of Your Real Estate Assets?”
Mr. Raymund Cordero, Feng Shui Expert

12:00 – 12:30 : Luncheon Speaker
Cong. Jose Peping S. Cojuangco Jr.,
Former Tarlac Congressman
Convenor of Tunay na Pinoy Patriots

12:30 – 1:00 : Open Forum
Afternoon Session Plenary Session VI

2:00 – 3:00 Design Showcase – An Inter-School Presentation on
Planning & Architectural Design of Facilities and Amenities
for Global Tourism & Real Estate Development (to be
participated by students from the College of Architecture of
various universities.

Inspirational Speaker for Design Showcase
Senator Juan Miguel F. Zubiri
Senate Minority Leader

3:00 – 5:00 : PREF Excellence Awards
Announcement of Awardees & Presentation of Awards

Guest of Honor & Speaker:
His Excellency Fidel Valdez Ramos
Former President of the Philippine

To be hosted by RJ Ledesma

May you achieve true success!

Bryan Uy

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

The Philippine Stock Exchange (PSE) announces new trading rules effective July 26, 2010

2010-07-25T22:47:00.001+08:00

Hello guys!

For those of you who are investing or trading the stock market, the Philippine Stock Exchange or PSE will implement the new trading system which will improve the whole experience of trading in the stock market. Some of the features that I like will take effect by July 26, 2010 are as follows:

Lesser price fluctuations / increments. This means a price of stock which used to jump from P10.00 to P10.25 now jumps at smaller increments or fluctuations. The good news is that you can still buy the stock at a good price even if the price has fluctuated up two increments because the price does not move as fast as it used to be. The rather 'bad' news is that the price of your stock position will also have to increase slower than before. I'd take this change any time because it reduces what I call panic buying or selling.
A new smaller board lot will now be in place. Meaning your P500.00 can now buy you shares. Previously you need to have around P1,000.00 to buy shares of a cheaply priced stock.
Partial matching of odd-lots. This means you can now sell your shares even if it does not meet the board lot requirement.

To learn more about the detailed changes of the new trading system to be implemented this July 26, 2010, read the message below which I got from my broker CitisecOnline. I did not edit the message anymore that's why you'll seethe word CitisecOnline being used but the changes enumerated are generally applicable to all brokers.

Effective Monday 26 July 2010, the Philippine Stock Exchange will be implementing the new trading system with a new set of trading rules, as part of their commitment to enhance the trading experience and support systems for all investors, trading participants and PSE support groups.

In line with making such changes, COL will need to bring down the website from 3PM on July 23 (Friday) until July 25 (Sunday) to make the necessary changes and run testing with the PSE. All pending ATO and GTC orders will be flushed clean and will have to be re-posted by you on Monday morning July 26 at 9AM+.

Below are important changes to the Trading Rules that immediately affect your trading activities with CitisecOnline under the new PSE system:

1. New Trading Schedule

There will now be a Pre-Close period prior to the Run-off Period of 12noon.

8:45 am - National Anthem
9:00 am - Pre-Open*
9:30 am - Market Open
11:57 am - Pre-Close *(NEW)
12:00 pm - Run-off / Trading at Last
12:10 pm - Market Close

* You can modify and/or cancel your orders during the Pre-Open period between 9:00am to 9:15am and the Pre-Close period of 11:57am to 11:58am. During the periods of 9:15 am to 9:30 am and during 11:58 am-12:00 pm, modifications and/or cancellations of orders will be allowed by the system.

2. New Board Lot and Price Fluctuation Table

The new board lot and price fluctuation table for all stocks listed in the PSE are as follows:

3. Implementation of Trading Price Limits

The price of an order shall be within the Trading Limits for the Trading day. There are two limits implemented; i.e., Static and Dynamic Thresholds.

The Static Threshold used to be known as the Floor and Ceiling Prices and is computed as follows:
- The upper Static Threshold shall be fifty percent (50%) above the Reference price (closing price)
- The lower Static Threshold shall be fifty percent (50%) below the Reference price (closing price)

The Dynamic Price Threshold** is computed as follows:
- Dynamic price threshold (upper) = last traded price + (last traded price multiplied by the dynamic tick)
- Dynamic price threshold (lower) = last traded price - (last traded price multiplied by the dynamic tick)

** An order entered breaching above or below the Dynamic Threshold will cause the security to be Frozen by the PSE stopping all trades until the PSE reactivates the security with a new Dynamic Threshold.

Example:
If the last traded price for stock A is 5.00 pesos and it has a PSE defined dynamic tick of 0.05 then:
- Stock A dynamic price threshold (upper) = 5.00 + (5.00 x 0.05) = 5.25
- Stock A dynamic price threshold (lower) = 5.00 - (5.00 x 0.05) = 4.75

4. Closing Prices will now be calculated during the Pre-Close Period which will be similar to pre-opening calculations of the opening price.

A Pre-close period (from 11:57-12:00) will be added similar to pre-open that will freeze matching for three minutes but allowing posting. Cancellations and modifications to orders are only allowed from 11:57-11:58 thereafter only posting of new orders are allowed until 12:00. Noon time will bring about a closing price that will match pre-close posted orders then continue trading at the closing price until 12:10.

5. Partial matching of Odd-lot orders will now be allowed.

6. Good-Till-Cancelled orders will now cover a period of seven (7) calendar days instead of seven (7) trading days.

To review the new implementing rules that affect the CitisecOnline trading platform, you can download our Quick Guide of the New PSE Trading Rules on the Street Smart tab on the COL website. We will continue to update the Quick Guide weekly if necessary to share with you the new trading rules that will affect your trading activities with the PSE.
Please feel free to call our Customer Service Hotline at (02) 6-333-777 or email us at helpdesk@citiseconline.com for any questions or clarifications on the new PSE system and rules.

Be Right! I earned 15% in the last two months... In a side ways (consolidating) market.

2010-07-23T14:00:00.003+08:00

Hello guys!

Been a long time since I have written about InvestingPinoy Power Trade Box. The reason is I have been contemplating whether this service is really something very helpful to readers of this blog or not. And I guess the only way I can encourage people that Stock Market Trading using a combination of fundamental and technical analysis is a great way to earn in the stock market even at a consolidation or side ways market.

Now, financial advisers usually say "the higher the returns (gain), the higher the risk". This is both right and wrong. It is in a sense right because people who want to earn more are lured to high yield instruments without understanding the risks. More importantly, they don't understand what they are really going into and this includes trading the stock market without the right trading knowledge. So, what happens is 80% of the people who go into stock market trading (not investing) lose money and end up cursing the stock market. On the other hand, it is not necessary true that the higher the gain, the higher the risk. In fact, investing in higher yield instruments are quite safe to do. What is really missing is the right mindset, right knowledge and the right mentoring.

Right Mindset
The Bible talks about being transformed (financially, emotionally as well as spiritually) by the renewing of your mind. In other words, Jesus was telling us that before we can effect change in any aspect of our lives, we've got to change our mindset. Do you have the mindset that higher yields have higher risks? If you do, then this is what you're gonna get. Think about it. If you invest in a high yielding instrument and you are really really earning big, but your mindset has been higher yields equals higher risks then your mind will start to play tricks on you in such a way that you "will have to lose your gains" just to prove your beliefs right. For example, in the stock market, there is what we call trailing stops to protect your gains. People who don't have the right mindset will forget to put stops in their stock positions because they are too excited in the price increase of their stocks. Then one day, the prices fall rapidly and they think "It's gonna rebound and go up once again." So they wait for another day. And another. And then another. Until they realize the stock price is already spiraling down very rapidly, eating up all the previous gains they have had. A trader with the right mindset knows higher yields doesn't necessarily mean higher risk and therefore he focuses on protecting his gains in his stock positions by trailing his stops. That's how important mindset is.

Right Knowledge
They say knowledge is power. But I'd have to say right knowledge is power. One has to make sure that he gets not any kind of knowledge but rather the right kind of knowledge. This includes knowing your appetite for risk. I personally have a high appetite for risk and so I love trading the stocks rather than investing in it through money cost averaging or through CitisecOnline's Easy Investment Program (EIP). So, if you are a conservative investor, you don't waste too much time studying about stock market trading and would rather try to study about money cost averaging which is a very safe way of growing your wealth in the stock market. By the way, you should download this f.ree ebook about money cost averaging by Bo Sanchez and see if this fits your risk appetite. For me, I put a lot of hours studying technical analysis which includes studying trends and indicators. This leads me to the having the right mentor to get the right knowledge.

Right Mentor
I try to learn from the best in the field. I am an environmental engineering consultant and I got my training from the University of the Philippines in Diliman, learning from the best professors like Gerardo F. Parco who's now with the World Bank, Florencio Jun Ballesteros, Analiza P. Rollon, Wilfredo Jose and my dear friend, the late Wilfredo Barraquio.

I am also into real estate investing where I get knowledge from the best. My mentors are Trace Trajano who owns the great website www.buyfirstdeal.ning.com and best selling author of Think Rich Quick. I also learn from Larry Gamboa of the Think Rich Pinoy Franchise. I also love to learn from my dear friend and great mentor Jay Castillo who owns a great site in www.foreclosurephilippines.com. He's just a great guy to be with.

For stock market trading, I learn from the best in the country. The brokers of CitisecOnline are really great. They are not only very knowledgeable but they are also very easy to talk with. Such a great service combination. You can download Bo Sanchez's ebook that talks about how you can grow your wealth in the stock market using CitisecOnline's online trading system. I personally get technical trading knowledge from the very able Juanis Barredo who is the Vice President for Sales and Marketing of CitisecOnline. I will soon have lunch with him and hopefully I will post everything that I have learned from him during that short time.

I also get spiritual feeding from my pastor Louie Barreto as well as from Bo Sanchez through his website www.bosanchez.ph and the TrulyRich Club.

So, do you have the right mindset, the right knowledge and the right mentor? If not, then it's time you sit down and think about these three things. It will probably take you thirty minutes, or an hour or even half a day. But it's all worth it.

By the way, I earned 15% in the last two months in the stock market while the market is in consolidation or going side ways (meaning it's bearish and not bullish). I want to share you a snap shot of my trade portfolio below so you will be inspired to learn how to invest or trade in the stock market. Notice that FGEN is at -15.88% (meaning loss), but that stock is there because I could not sell it because it's an "odd lot" (I have 38 shares only). Meanwhile, whatever you want to invest in (real estate, stock market or business), remember to have the right mindset, right knowledge and right mentor.

My stock market trade portfolio as of July 21, 2010.

F.REE: Attend the How to Become a Money Magnet by John Calub Seminar on July 24, 2010

2010-07-16T15:13:00.001+08:00

My good friend and owner of www.foreclosurephilippines.com, Jay Castillo, mentioned in his article last July 08, 2010 that there will be a seminar on How to Become a Money Magnet by John Calub on July 10, 2010, a seminar worth PhP8,000.00 given to you by John Calub for F.REE which was last Saturday. Here's good news for those who missed this great seminar. How to Become a Money Magnet by John Calub will have another one day seminar on July 24, 2010 at the Crossroad 77, Mother Ignacia, Quezon City. Again, the seminar will be offered to everyone for F.REE. So, please register because I believe seats are moving fast. See details of the seminar below.

Note: I am NOT an affiliate of John Calub Training, Inc. but this seminar is advertised here for the benefit of those of us who want to grow our wealth.

You, your family and friends are invited to attend:
How to Become a Money Magnet Comprehensive Seminar
WHAT YOU’LL DISCOVER:
The ultimate secret to wealth creation
How to have a multi-millionaire mindset
How to manage and grow your money
DATE: July 24, 2010 (Saturday)
TIME: 8 AM TO 6 PM
VENUE: Crossroads 77, Mother Iganacia St., Quezon City
TICKET PRICE: was P8,000 now FREE
Only P250.00* only to cover workshop materials and processing. Payments accepted via GCASH, BPI 24/7 Banking, BDO or via TicketNet.
*Inclusive of workbook, pen and certificate of completion
*Meals not included
TO REGISTER: 1. Call 748-7646 / 382-9997 / 744-2925 (Look for Charm or Belle) 2. Text If our lines our busy, call again.
Download the Registration Form here.

http://www.moneymagnetseminar.com
Forward this to your loved ones, family and friends or anyone you think may benefit from this program.

Hope you learn from the seminar of John Calub like I did. Start becoming a Money Magnet.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

The Science of Getting Rich by Wallace D. Wattles: F.REE ebook for download

2010-07-15T13:19:00.000+08:00

Hello again!

Most people wonder whether there's a formula to getting rich. But most of the time, they think that Lucio Tan, Henry Sy, John Gokongwei, Bill Gates and Warren Buffet are just plain lucky. In some ways, they are lucky, but little do people know that they all follow a formula. They might have different businesses, but the formula is universal. Like the formula or principles or laws we use in algebra or trigonometry, physics or chemistry, getting rich is just as certain and sure.
Today, I'd like to share a book that talks about the formula of getting rich and it is aptly entitled The Science of Getting Rich by Wallace D. Wattles. In this f.ree ebook, you'll learn that:

You were born rich and that;
There is a science or a fomula to getting rich and;
How gratitude (being thankful) is one of the most important things to start becoming rich and;
Why action speaks louder than words and;
Why you need to always think of how to improve the lives of the people in your circle of influence.

So, go ahead and learn The Science of Getting Rich by Wallace D. Wattles. To get the f.ree ebook, you have to subscribe to a great website (just like your f.ree subscription to this blog). Click HERE AND REGISTER then you'll be sent a link to download your f.ree and legal copy of the ebook The Science of Getting Rich by Wallace D. Wattles. (Note: You don't have to buy anything from the site. Just download the ebook and enjoy the other f.ree stuff there)

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Building Wealth with Stocks: Download this f.ree primer by the Philippine Stock Exchange and CitisecOnline

2010-07-13T08:08:00.000+08:00

Hello guys,

In my previous post about how to retire rich through the stock market by investing early, I showed you how one investing at an early age with a smaller amount can easily be wealthier than a person investing a much larger account but for a shorter time. Control click HERE to read the post entitled "Multi-millionaires invest early" in full.

Today, I'd like to share to you a f.ree ebook entitled "Building Wealth with Stocks: A Basic Guide to Investing in the Philippine Stock Market" which basically says the same think but also talks about the following:

Why you need to generally invest
Why you need to invest in the stock market
How you can grow your money in the stock market
When is the best time to invest in the stock market
How can you start investing in the stock market

The ebook was co-authored by the PSE and CitisecOnline (COL).

Download "Why Invest in the Philippine Stock Market" f.ree ebook now.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Download Bo Sanchez’ Ebook, My Maid Invests In The Stock Market… And Why You Should Too! FREE for a Limited Time Only!

2010-07-10T13:04:00.001+08:00

Right now, I'm in Calamba Laguna at a private hot spring resort with my team celebrating our company's 9th anniversary. I am blessed to work with a bunch of skilled individuals. But what is really a blessing is the kind of heart that these special people have... a heart of service. And, if the core value of a company is that of a heart of service, the company has nowhere to go but grow whatever kind of business it is in.

By the way, establishing a business that can run on its own is one of three kinds of assets mentioned by Rich Dad Poor Dad bestselling author Robert Kiyosaki. Businesses like Bill Gate's Microsoft, Warren Buffet's Berkshire Hathaway and mall magnate Henry Sy's SM group of companies (by the way, Henry Sy is the wealthiest man in the Philippines for the second straight year according to Forbes Asia).

The two other kinds of assets are real estate and paper assets. Real estate can become an asset if you own properties that give you passive income through property rentals and real estate investing is one great way to become very wealthy. My dear friend Jay Castillo owns a web site and he teaches great real estate investing stuff there for F.REE. Press CTRL and click on www.foreclosurephilippines.com to open a new window and go to his site.

The third way to become a multimillionaire is through paper assets and the famous of which is stocks (i.e. stock market). I personally have grown my money through the stock market using technical trading as a strategy. As you've probably known by now, I share in this website which company's you can trade in the stock market through the InvestingPinoy Power Trade Box. The Power Trade Box also shows at what price to buy and sell the stock and the potential gain (as a percentage). However, a lot of people are afraid of trading the stock market because it's too risky...and yet, they are right. To date, 80% of the people in the stock market lose money (the 80-20 principle of Pareto at work again). So, a lot of people like us are still afraid of putting money in the stock market.

But there is one SURE WAY of winning and getting wealthy in the stock market and this is not through stock market trading but stock market investing. Stock market investing is totally different with stock market trading simply because stock market investing does not have a timing component while trading focuses heavily in "timing the market". So if one doesn't know how to time the market (that is, when to buy and sell), then most often than not, one loses. In stock market investing, we use the very power technique called money cost averaging which I have discussed in my older posts (control click here to open the post in a new window). And if you do money cost averaging for a long time, you will become a multimillionaire. If you are still a teenager, there's a chance you'll retire a trillionaire. I have presented some figures to show you that multimillionaires invest early.

The good thing is that my spiritual and financial mentor can show you how to do it. Bestselling author and spiritual leader of The Feast, Bo Sanchez, will celebrate his 44th birthday this July 11, 2010 and he's giving you a gift: My Maid Invests In The Stock Market… And Why You Should Too! FREE for a Limited Time Only! Read his message below.

This Sunday, I’ll be 44 years old.
I’m not ashamed of my age.
But honestly, it feels funny saying it.
Because I feel like I’m in my twenties.
Okay, probably 30 years old, tops.
No kidding.
People ask me, “Bo, what keeps you going? You’re doing the work of ten men!”
It’s true.
I lead 9 non-profit organizations, run 12 successful businesses, speak 300 times a year, write 80 articles a month, and author 4 books a year. And I still have lots of time to play with my 2 boys, bring them to swim class, and date my lovely wife.
Do you want to know what keeps me going?
Don’t cringe.
Because my answer is really corny.
I love people.

YOU Keep Me Going!

I was in a mall recently.
Suddenly, a woman came up to me and said, “Brother Bo? Oh my!” she shrieked. After regaining composure, she went on, “Bo, you don’t know how much you’ve changed my life. Your books have saved me. Bo, can I hug you?”
“Sure!” I said and we embraced.
Talk about the crazy things I do: It was the first time I met her and we were hugging in front of everyone!
---0---
At another time, I was in a restaurant when a middle-aged man approached me and said, “Bo, it’s my birthday today. Can you pray for me?”
“Shure!” I said again, my mouth still chewing my veggies.
Picture this crazy sight. In this busy, noisy restaurant, right beside my table, this man knelt down beside me. I laid my hand on his head and prayed over him.
I don’t recall what I said, but I remember his face changing, like something heavy was being lifted off his shoulders.
He stood up with tears in his eyes. He said, “Bo, I’m having marriage problems now. But your prayer gave me hope. I know my wife and I will get over this. And I’ll have a beautiful family like yours.”
“Amen,” I said, salad still between my teeth.
---0---
The other day, a young woman came up to me in a hotel.
She said, “Bo, I’m a member of the TrulyRichClub. And I’m going to earn my first million very soon!” She told me how she’s already earned close to a million. “Thanks for the inspiration, Bo! And I’ll be writing a check soon for your ministry.”
Wow.
It’s happening.
I’m making millionaires!

Here’s My Birthday Blowout For You

       How often do strangers approach me on the street?
       Everyday of my life.
       I’m not kidding.
These are the perks of my job.
I’m totally humbled.
It’s like I have ringside seats, watching how God is changing lives. Plus the thousands of grateful emails I receive.
As my way of saying “Thank You” to you, on the occasion of my Birthday, I’m giving you my big gift today. Here it is…

Presenting My Big Gift To You…

On a silver platter.
       At no cost.
       Nada.
       Zero.
       Zilcho.
       What’s my big gift to you?
My powerful Ebook, My Maid Invests In The Stock Market… And Why You Should Too!
       This Ebook has blessed my TrulyRichClub Gold Members so much, I want to share it with all of you. (I gave it to them four months ago. They just love it! Many of them are already investing in the Stock Market and creating their very own Retirement Fund.)
But I need to be fair to my TrulyRichClub members.
First, I’ll be giving you a March 2010 version of the Ebook. (Note: TrulyRichClub members get the updated version.)
Second, I’ll make my Ebook available for a few days only.
After which, I’ll close the link and it’ll be exclusively for TrulyRichClub members again.

Gain A New Wealth Attitude

After you read my Ebook, I’m inviting you to join the TrulyRichClub at www.TrulyRichClub.com
Why? Growing your wealth isn’t just about technical knowledge. You need a totally different abundance mindset. Believe me, an abundance mindset is crucial for building your wealth.
Without it, no amount of technical knowledge will make you wealthy. Proof: I know of some financial experts who are very poor.
And that’s what my TrulyRichClub can provide for you—a constant stream of powerful material (that you’ll receive daily, weekly, and monthly) that will help you create an Abundance Mindset.
Another reason? TrulyRichClub members get a mountain of other great stuff—like my monthly Stocks Update, where I tell them what stocks to buy, when to buy and when to sell.
       Listen: If I was able to teach my house helpers to invest in the Stock Market to build their very own Retirement Fund, then I can teach anyone to do it too.
       So go ahead.
Downloand and read my Ebook.
       My compliments.
There’s a download button below.
After reading, join my TrulyRichClub.
And change your financial life forever.

While downloading, say a prayer for me.
And I’ll be praying for you too.
Happy Birthday to Me! (Hehe.)

May your dreams come true,

Bo Sanchez

PS. Click the link below. I told my internet team to make it available for a few days only, because this Ebook is really for TrulyRichClub members only. So get it while you can!

Download Bo Sanchez’ Ebook, My Maid Invests In The Stock Market…And Why You Should Too!

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Be Your Own Boss With Franchising: Attend The 18th Philippine International Franchise Conference and Expo (PIFCE) on July 14-18, 2010

2010-07-05T15:38:00.000+08:00

Hello guys.

Are you into franchising or thinking about investing in a franchise business? Are you in a job that you don't really love and want to make a move to become your own boss? If you are, then you might want to attend the upcoming 18th Philippine International Franchise Conference and Expo (PIFCE) on July 14-18, 2010 at the SMX Convention Center, Pasay City. See details of the event below.

Tired of slaving away at a dead-end corporate job with little opportunity for growth? Ever dreamed of starting a business? Perhaps franchising is the best business option for you.

For years now, franchising has been the business of choice for young entrepreneurs, proving that you don't have to reinvent the wheel to become a businessman. The 90% success rate in franchising proves that there is little need to venture out on your own and create a business from scratch. With the failure rate of start-up businesses at a staggering 75%, it is so much easier to duplicate an already successful business -- no more hit and miss.

And when carefully considered and diligently executed, you may very well become one of the thousand success stories in franchising.

Be in the business for yourself, but not by yourself, with the wide array of franchise investment opportunities that await visitors at Franchise 2010:

The 18th Philippine International Franchise Conference and Expo (PIFCE) on July 14-18, 2010 at the SMX Convention Center in Pasay City.

Organized by the Philippine Franchise Association (PFA) and co-presented by PLDT Business Solutions and PLDT SME Nation, Franchise 2010 offers four events in one: a conference on July 14 and 15; a three-day expo on July 16-18; franchise seminars; and the Certified Franchise Executive (CFE) program on July 2 and 13, at the AIM Conference Center Makati.

With theme “Getting Ready for the World*,”* the 18th PIFCE will usher in Franchise Asia 2011, that will feature the twin meetings of the World Franchise Council (WFC) and the Asia-Pacific Franchise Confederation (AFPC) to be held in Manila. PFA is the only franchise association in the Philippines that is recognized by the WFC and the APFC.

Expecting around 30,000 visitors from 335 exhibitors, Franchise 2010 will affirm the Philippines’ position as Asia’s global leader in franchising. “It will highlight the unlimited opportunities that abound in franchising, especially with high expectations on global financial recovery and the bullish projections on the local economy,” says Elizabeth Pardo-Orbeta, Wendy’s Philippines president.

Franchise 2010 is a joint undertaking between PFA and DTI, supported by the World Franchise Council and the Asia Pacific Franchise Confederation, with The Generics Pharmacy, Monterey, Bodega Site, Quali Plus International, Max’s Restaurant, Philippine Seven Corp., Goldilocks Bakeshop, PR Gaz Haus, Seaoil Philippines, Mister Donut, Francorp Philippines, Banco De Oro, BPI Family Ka-Negosyo, Jollibee Foods Corp., Red Ribbon Bakeshop, Chowking, Greenwich, Coca Cola Bottlers Phils., Pepsi Cola, Selecta, Blue Water Day Spa, IBM Phils., Montanara, Sports House, Adman Resources, Citibank – Cardplus, Bench, GMA-7, Philippine Star, Manila Bulletin, Business World, Business Mirror, Panay News – Western Visayas, Entrepreneur Phils., www.philstar.com, NU 107 FM, Mellow Touch, RJ 100, Franchise Asia, Global Integrated Media Ltd., SM Supermalls, Ayala Land, Inc., Araneta Center, Robinson’s Malls, Shangri-La Mall, Waltermart, Cebu Pacific Air.com, Mindgate Systems, Inc., and AM Cleofe Prints.

To know more about the event, visit www.franchise2010.com and register on-line for special admission rates. Other details can be obtained from the PFA Secretariat at tel. nos. (02) 6870365 to 67, 09178320731, or e-mail pfa@pfa.org.ph. For more information on the Expo, call the exhibit management team Global Link MP Events at (02) 750-8588 or e-mail franchise@globallinkmp.com.

AC, AEV, FGEN, FPH Break DOWN from Area Pattern Signalling SELL.

2010-07-03T21:20:00.002+08:00

Ayala Corporation (AC), Aboitiz Equity Ventures (AEV), Firgt Gen Corporation (FGEN) and First Pacific Holdings (FPH) broke down of their respective area patterns signaling a SELL.

Meanwhile, Metropolitan Bank (MBT) is shaping up to be an uptrend. Wait to BUY once it bounces of its trend line.

See updates in graph form HERE. Or go to the InvestingPinoy Power Trade Box page HERE to download the excel and graph files.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

How to Become a Money Magnet by John Calub Seminar Learnings Part 1: Four (4) Characteristics of God's Laws

2010-07-03T00:15:00.000+08:00

I recently attended a wonderful seminar entitled "How to Become a Money Magnet" which was presented by the success training company John Calub Training, Inc. And for the seminar, no less than the President and CEO Mr. John Calub presented to us the principles on "How to Become a Money Magnet". The seminar was for a whole day and was supposedly very tiring but everyone went home very vibrant and excited to apply what they have learned on "How to Become a Money Magnet" right away.

I'd like to share to you what I have learned. Although I might be spilling John Calub's secrets during the seminar, I believe nothing beats being there and experiencing the high energy that flowed. Of course, I won't be able to share everything since I might miss out some points but I would like to share to you my insights which I believe will help you understand what's in store for you in the seminar. Besides, you might be able to already apply the principles that I will share with you.

Let me break it down to you in four posts since putting everything in this one post might be too long.

Four (4) Characteristics of God's Laws
Ten (10) Laws of Success (most important ones since there are 100+ known universal laws)
The Money Jar System (The Money Magnetment System)
Jump Start Your Way to Success

So here goes...

How to be Successful in Everything
In order for us to be successful in anything that we do (finance, family, health, social life, personal development), it is important for us to do ONLY two (2) things:

Understand the Laws of God
Abide by God's Laws

Surprised?! It's actually something that we already know. Gees! In fact, John Calub mentioned in the seminar that almost all of the things that he will reveal to us that day is already known to us but the sad part is that we don't actually apply these practical knowledge and principles.

In fact, the Bible talks about these two things in achieving success in all areas of our life:

"8 Do not let this Book of the Law depart from your mouth; meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful." - Joshua 1:8 (emphasis added)

According to John Calub, God has created the universe to operate under specific laws in which the universe shall operate within. So far, there are about 100+ laws which have been discussed by many great thinkers and master mentors such as Mr. Charles Haanel (The Master Key System), Bob Proctor (Six Minutes to Success), T Harv Ecker (The Millionaire Mind), Tony Robbins (The Giant Within), Jim Rohn and many more.

Four (4) Characteristics of God's Laws
According to John Calub, God's laws have four (4) distinct characteristics which is very important for us to understand. God's laws have the following characteristics:

God's Laws are Universal - This means God's laws apply to all regardless of race, creed and color (and may I add religion or belief). For example, the Law of Gravity (which is, by the way, one of these laws) will apply to everyone whether you believe in Allah, Buddha, Stones, Cows, or Jesus The Christ. As an illustration, if someone jumps from a cliff (don't ask me why she jumped), the Law of Gravity will not stop her fall just because she believes in hypnosis or angels or levitation or if she is a Christian, Muslim or Buddhist. The Law of Gravity will work because God's laws are universal
God's Laws are Specific - This means God's laws are very accurate and calculated. For example, it has been established that 1 year has 365 days, 24 hours in 1 day, 60 minutes in 1 hour and 60 seconds in 1 minute. Women carrying a baby has to carry it for 9 months otherwise the baby will have fatal consequences. Did you also know that the earth revolves around the sun at exactly the right place and that we'd be scorched if we were a little closer to it and we'd be freezing when slightly farther from it? That's how exact God's laws are.
God's Laws are Unchanging - The laws of God will never change. The Law of Gravity is the same today as it is thousands of years ago. I wonder whether this law would apply to Jesus if He agreed to the devil when the latter told Him to jump off the cliff since the angels will be on his aid to rescue Him? I believe that the reason why Jesus did not jump because he knew the laws were universal and it applied to all including Himself. He replied by saying "... Do not test God." But I also believe that He could have jumped off the cliff and the angels would save Him because it was also written in the Bible that the angels will protect Him and not even His feet will touch the ground from a fall. To give another example, the gestation of a pregnant women has not changed since the beginning of time. Ever since, it has always been 9 months of gestation for a mother to bear her child.
God's Laws are Everlasting - God's laws will stand the test of time. Aside from it being unchanging, God's laws will never be destroyed. It will always be there even if people will invent technologies to reverse these laws. For example, the human race in all his wisdom have been able to extend the live of people through breakthrough medical technologies and sort of reverse the effects of the Law of Decay (one of the universal laws). But really, have you actually heard of someone living up to a thousand years old? Even in the old testament days, no one has gone against the Law of Decay. The good thing is that the other beautiful laws such as the Law of Return, the Law of Abundance and the Law of Attraction is also everlasting and exists until today.

Why Is It Important To Know These Characteristics
So now that you know the four (4) characteristics of God's laws, what's in it for us? I think the greatest thing about understanding these characteristics can be explained in one word: DEPENDABILITY (or if you want, RELIABILITY). As mentioned in the beginning of this post, there are two (2) things that we need to do to be successful. (1) Understand God's Laws and (2) Abide by God's Laws. So, if I know that these laws are applicable to all (Universal), accurate (Specific), consistent (Unchanging) and can stand the test of time (Everlasting), then I can "bet" everything that I have to understand these laws and apply it and I know that great things are in store for me. Now, that's powerful! Do you agree? What other advantages can you think of? Please share it here as I am and will continue to be a student of these laws.

Up Next...

I will continue this series on "How to Become a Money Magnet by John Calub Seminar Learnings" and share to you the ten (10) Laws of Success on "How to Become a Money Magnet". I will share about the Law of Attraction, the Law of Giving, the Law of Forgiveness, the Law of Cause and Effect, the Law of Polarity and many more. I hope you stay tuned for it.

Attend the How to Become a Money Magnet Seminar by John Calub for F.REE
The How to Become a Money Magnet 1-day training by John Calub is usually offered for a premium price of P8,000.00. It is expensive! But here is GOOD NEWS for you and your family! John Calub is offering the P8,000.00 seminar for F.REE! That's right, absolutely F.REE! If you are interested to attend one of the available trainings below, please contact them during office hours (9 am to 5 pm) at the following numbers: Phone: or (+632) 382-9997 Telefax: 744-2925. But hurry! Seats are selling really fast and for a good reason. Trust me, it's worth it and more!

SOLD OUT! ~~June 19, 2010, Saturday, 8 am to 5 pm, Hotel Rembrandt (www.hotelrembrandt.com.ph), Tomas Morato, Quezon City~~
SOLD OUT! ~~July 3, 2010, Saturday, 8 am to 5 pm, Hotel Rembrandt (www.hotelrembrandt.com.ph), Tomas Morato, Quezon City~~
Going Fast! July 10, 2010, Saturday, 8 am to 5 pm, SMX Convention Center, SM Mall of Asia Complex, Pasay City
July 17, 2010, Saturday, 8 am to 5 pm, Amigo Terrace Hotel, Iznart St., Iloilo City

BUY Signal on FGEN But With Caution. Removing from InvestingPinoy Power Trade Box.

2010-06-30T19:21:00.000+08:00

First Gen Corporation (FGEN) broke out of its area pattern at the close of the market on June 29th signaling a BUY. However, signs show that it will be more risky to buy FGEN with its MACD in negative territory. The stock is also below the 16, 32 and 65-day moving averages (MA) which are negative signals to be extra cautious.

The InvestingPinoy Power Trade Box is updated as of June 30, 2010. Go to page HERE to download the latest file.

Happy trading!

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

How Many Stocks Can I Trade at Any Given Time? A Power Trade Box Tip.

2010-06-29T16:54:00.002+08:00

Hello guys!

When I am going to post the InvestingPinoy Power Trade Box, you will see as many as 15 stocks which I am currently monitoring very closely. Now, what if the InvestingPinoy Power Trade Box recommends a BUY on 7 stocks, all of which you really love (I mean companies that you already know or familiar with)? Would you buy all seven stocks?

The question is "How many stocks can I trade at any given time?" Should I buy all the stocks out there that have a positive outlook?

If you go to a stock broker or a financial adviser (I am not and I don't claim to be an expert financial adviser!), you would probably hear "diversification is the safest way to earn money." To give you an idea on what I personally think about diversification as a means to protect your investments, here is what the richest investor in the world has to say "Diversification is a protection against ignorance. It makes very little sense for those who know what they are doing." This richest investor is non other than Warren Buffet, who at one time became the richest person on earth.

Now, the rule of thumb in stock market trading is not to widely diversify but to be able to properly monitor your investments. Having too much to look out for is a pain in the neck. Can you imagine how much more difficult it is for a mother to take care of 10 children as compared to a mother who takes care of only three? This is how it also is in stock market trading.

So, here's a quick rule that you should follow. Divide your total investment amount into four (4) equal portions and the amount of each portion is the maximum amount you can put in any given stock. For example, if you have PhP100,000.00, you should divide this amount by four, which comes up with four equal amounts of PhP25,000.00. This amount is the maximum amount you can invest in a stock that you are interested. Now what if, at the moment, there are only two (2) stocks that you should buy (based on the InvestingPinoy Power Trade Box), then you should only buy a total of P25,000.00 for each stock for a total of P50,000.00 while waiting for two (2) other stocks which you might buy in the future. Never should you divide your total investment by two (2) or P50,000.00 per stock.

Depending on your preference, dividing your investment into three ways for buying three (3) stocks is also good. But as a STRICT rule of thumb, never buy more than five (5) stocks at any given time! That is, the maximum stocks in your portfolio should only be five at a time. Thus, if you choose to divide your total investment amount into five (5) stocks, then your maximum amount of investment per stock should be 20% of your total investment or in this example, you can put a maximum of PhP20,000.00 for any stock that you are interested.

So, have you decided how many stocks you are going to buy using your money? Make your choice now. Is it 3, 4 or 5?

By the way, you can always change the number of stocks you want to be trading but make sure you always follow the formula which is divide your total investment with the number of stocks you want to buy.

Any questions that you might want me to answer? Just drop a comment and I'll get back to you soonest.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Aboitiz Equity Ventures (AEV) Bounces Off Trendline. Signalling BUY. Update on PNB, RFM, AC and BPI

2010-06-29T12:16:00.000+08:00

At the close of the market today (June 29, 2010), Aboitiz Equity Ventures (AEV) bounced off its trendline signalling a BUY at a price close to PhP19.75. AEV closed at P19.75.

Meanwhile, for other stocks which have signaled BUY alerts, hereis what happened for today:

Philippine National Bank (PNB) closed unchanged at PhP30.50.
RFM Corporation (RFM) rose from PhP1.08 to PhP1.16 for a 7..41% one-day gain (not bad at all). This is after it bounced off its trendline.
Ayala Corporation (AC) closed higher at PhP330.00 for a 0.76% gain
Bank of the Philippine Islands (BPI) was flat closing at PhP46.00.

So, should you buy AEV at the open of the market tomorrow? I already bought additional shares today at a price of PhP20.00 so my position has slightly dipped at the current price PhP19.75.

Always remember that when you trade, you stand to loss half of your stock positions and only win in the other half. But why do you actually end up earning a lot? That could be a mystery to many. I hope to be able to explain this in another post soon. Meanwhile, just remember that in stock market trading, you lose some and you'll win some but you'll end up winning a lot! Don't you just love that?!

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

BUY Signal for RFM Corporation (RFM) and Ayala Corporation (AC)

2010-06-29T09:49:00.000+08:00

Hello guys!
InvestingPinoy Power Trade Box alert!!!

RFM Corporation (RFM) bounced of the trend line today at the open of the market signalling a BUY! If you are interested in this particular stock, you should buy it close to P1.08. At this writing, the price has already gone up to P1.10 after the bounce.

Meanwhile, Ayala Corporation (AC) broke out yesterday together with Bank of the Philippine Islands (BPI) and Philippine National bank (PNB). So, it also triggers a BUY signal.
Happy trading!

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit http://www.houseforsalephilippineswithphoto.blogspot.com/.

PS3. If you want to get financial literacy training for free, go to http://www.wealthacademy-philippines.blogspot.com/.

Investing Pinoy

Now You Can Download Regular Updates on The InvestingPinoy Power Trade Box

2010-06-29T01:10:00.000+08:00

Great news to those of you who are interested in Philippine stock market trading!

I have finally prepared the format (in Excel) of the InvestingPinoy Power Trade Box. The InvestingPinoy Power Trade Box contains the following important information:

Company Name - This is the full name of the company.
Stock Code - This is the code that the company uses to deal the Philippines Stock Exchange and is usually three (3) letters and can be 2 or up to 4.
Trend Type - Either a "breakout" from an area pattern or an "uptrend". In both cases, these are "signs" that a BUY might be taking place.
Current Price - The price of the stock at the day's closing.
Entry Price - The price at which you should buy the stock.
Target Price - The price at which you should sell majority (at least 50%) or all of your stock to pocket your profits.
Target Gain - This is the potential profit for the stock as a percentage (%)
Exit (Stop Loss) - The price at which you should sell to minimize your losses.
Reward - This is the amount in peso you stand to gain per share of the stock should the price continue upward.
Risk - This is the amount in peso you stand to loss per share of the stock in case the price goes down.
Reward/Risk - The ratio of reward to risk. This factor should at least be 3.0 to even be considered a good stock. The stocks in InvestingPinoy Power Trade Box should pass this criteria (at least 3:1 reward:ratio before being published).
Date Updated - Date at which the data has been updated.
Recommendation - Generally calls for either a BUY, SELL or WAIT.

Now start enjoying The InvestingPinoy Power Trade Box Updates. You may navigate to the InvestingPinoy Power Trade Box page (see top page) or click here to go to the page: InvestingPinoy Power Trade Box.

If you might have questions, please leave a comment so everyone can benefit from the exchange.

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

PNB and BPI Breaks Out: InvestingPinoy Power Trade Box Update (June 28, 2010)

2010-06-28T13:22:00.000+08:00

Hello Guys!

The Philippine stock market was a little lackluster today with not much movement in terms of volume. However, there were two stocks under my watch (in InvestingPinoy Power Trade Box) that did break out, and when you hear the trading term break out, it means you need to buy the stock ASAP!

BPI and PNB Breaks Out

These two stocks are Bank of the Philippine Islands (BPI) and Philippine National bank (PNB). The break out price for BPI was at P45.50 and it finished at P46.00 with a 2.22% increase for the day (previous at P45.00). The target price for BPI is P55.00 for a target gain of 20.88%. If the price of BPI goes back down to P45.00, then you need to sell, without questions asked! If this "loss" happens, then you stand to lose 2.2% if you buy BPI tomorrow (June 29, 2010) at its current price of P46.00.

Philippine National Bank (PNB), on the other hand, broke out with much more force with its price rising from P29.50 to P30.50 with a 3.39% gain for the day. The break out price is at P30.50, thus, you should be buying this stock at the open of the market tomorrow morning (9:30AM). The target price for PNB is P39.00 with a potential gain of 27.87%. If the price of PNB goes back down to P30.00, you should sell all of your stock, no questions asked! A little concern is PNB's volume of less than one million which means not much people are buying/selling at this point. You could wait until volume starts to pick up but if you wait too much, then there's a chance of you missing the good price (you might be forced to buy at a higher price which reduces your potential gains and increases your risks as well).

How Many Stocks Can I Buy at Any Given Time: Rule of Thumb in Trading

By the way, here's a quick rule that you should follow. Divide your total investment amount into four (4) equal portions and the amount of each portion is the maximum amount you can put in any given stock. This also means that you can only buy a maximum of four (4) stocks at a time. Dividing your investment into three ways for buying three (3) stocks is also good. As a rule of thumb, never buy more than 5 stocks at any given time. So, if you choose to divide your total investment amount into five (5) stocks, then your maximum amount of investment per stock should be 20% of your total investment.

I will explain this rule of thumb further in another article I'm going to write soon. Keep in mind that even if there are only two stocks you can buy at the moment (say BPI and PNB), never put 50% of your investments in each of the stock. That would be too risky. Alright?

May you achieve true success!

Bryan

PS1. What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

INTRODUCING: The InvestingPinoy Power Trade Box

2010-06-25T17:18:00.000+08:00

Hello guys!

I'd like to introduce to you Your InvestingPinoy Power Trade Box! If you are already into stock market trading or planning to trade the stock market, then this InvestingPinoy Power Trade Box is for you! If you know someone who is already trading or is interested to trade the Philippine stock market, then do them a favor, because this InvestingPinoy Power Trade Box is also for them!

As most of you might have already known. I invest heavily in the stock market. I've been learning a very powerful trading system from the best traders in the Philippines and to prove it, I've earned more in the last two months during a consolidation (or hesitant) market than I've earned in the six months before that when the stocks were at an uptrend.

Good news! I'd like to share everything I know about stock market trading in the Philippines. I'll share to you the system of trading being used by the best online traders in the Philippines. I'll tell you...

How to determine which stocks you should buy
How to determine how much you're going to earn from it
How to determine the risk or how much you stand to lose (SURPRISE: You only have a 50-50 chance of winning your chosen stocks. But I'll also tell you WHY you end up EARNING a lot!)
How to determine the price at which to buy the stock
How to determine the price at which to sell the stock to pocket your profits
How to determine the price at which you MUST SELL at a loss (this is what they call stop loss)

Now, for the InvestingPinoy Power Trade Box!

In the InvestingPinoy Power Trade Box, I'll give you regular updates of carefully selected stocks that you need to look out for. In the InvestingPinoy Power Trade Box, you'll see the following details:

Company Name
The Company Stock Code
The Entry or Buy Price
The Target or Sell Price
The Exit or Stop Loss Price
The Target Profit Margin or Potential (% per month or %)
Recommended Action (e.g. wait, buy, sell)

Now, to be fair, I know that you are aware that these vital information should be accompanied with a disclaimer. Stock brokers have earnings disclaimers. Insurance companies have disclaimers. The real estate developers have disclaimers. The InvestingPinoy Power Trade Box is also accompanied with an earnings disclaimer which states the following:

The information contained in the InvestingPinoy Power Trade Box are not intended to be, nor are they a substitute for, informed professional and/or legal advice. While due care was exercised to ensure the quality of the information contained in the InvestingPinoy Power Trade Box, readers should carefully evaluate its accuracy, completeness and relevance for their purposes, and should obtain any appropriate professional advice relevant to their particular circumstances. No representation is made or warranty given as to the accuracy of the contents of the InvestingPinoy Power Trade Box. The reader assumes all risks of the use of the information presented in the InvestingPinoy Power Trade Box. The blog owner assumes no responsibility for the use of information of the InvestingPinoy Power Trade Box.

I think this disclaimer for the InvestingPinoy Power Trade Box is just necessary. To be fair, I'll share to you which stocks I invest in and since I'm going to share you that information, you'll have a fair estimate of how much I profited or lost. Fair enough?

To give you a sneak peak of how the InvestingPinoy Power Trade Box will look like, I'll share to you three (3) companies which I am already watching closely at this point. Those that I have actually bought as part of my portfolio. here they are (just click on the picture to enlarge it):

So, do you think this will help you grow your money for your retirement fund? Do you have questions that you might want to be answered? Appreciate you leaving a comment and I'll get back to you soonest.

'Til next post.

May you achieve true success!

Bryan

PS1 What does the Bible say about wealth? Is money the root of all evil? Visit http://www.beyondprofit.blogspot.com/.

PS2. If you want to invest in real estate properties, visit www.houseforsalephilippineswithphoto.blogspot.com.

PS3. If you want to get financial literacy training for free, go to www.wealthacademy-philippines.blogspot.com.

Investing Pinoy

Stock Code	Market Price	Ave. Price	% Gain/Loss	% Portfolio
AGI	11.0000	10.7917	1.93%	16.74%
DMC	34.9500	33.8718	3.18%	31.91%
FGEN	12.6400	11.2225	12.63%	19.23%
MPI	3.8000	3.7375	1.67%	32.12%

EVENT TITLE:	PHILIPPINE REAL ESTATE FESTIVAL 2010
THEME:	“Global Tourism and Real Estate Development
	- Sunrise Industries for the Philippine Economy”
VENUE:	World Trade Center
ADDRESS:	Roxas Blvd. cor. Buendia St. , Pasay City
DATE:	July 29 to 31, 2010