Friday, 20 April 2018

What makes you happy?

Happiness is “the meaning and purpose of life, the whole aim and end of human existence.” "GRS Blog"

Everyone is searching on ways how to be happy. Each individual has different meaning of Happiness. It can be doing what you love (refers to daily job task), travelling around the world (leisure time), spending quality time with your family, getting promotions ( career progress), attending Sunday worships or mass (spiritual activity) , volunteering on health missions (community involvement), etc. etc.




My own meaning of happiness is working on my inner calling, doing it every single day, and align it in my daily living. For example, I'm happy playing with my baby daughters and providing for their daily needs (being a good father), eating out with my wife in a restaurant (being a good husband), delivering reports to my Director (being a good finance controller), teaching students achieve their CPA dreams and financial freedom (being a good mentor) and attending weekly household and community gatherings (for spiritual growth).

Those happiness activities aligned with my purpose in life : To become a good Father to my kids, a loving husband to my wife, best Finance Controller and Mentor to my students, colleagues and community, to glorify him in everyday living and leave a lasting legacy.

To be happy is doing your purpose in life.

What about you?

Share your happiness activities.

Sincerely yours,

JONATHAN RUIZ
NEWBIE MENTOR

P.S. I really miss writing and blogging, I'm committing myself to publish an article about anything once a week during weekend. Hope you will like it, these are lessons I learned in this life's journey.


Tuesday, 10 April 2018

4 LIFE ASPECTS FOR RADICAL CHANGE

Health

  • Start the real diet from 93 kg - 85 kg in 6 months.
  • More Salads & Fruits on the diet.
  • Daily exercise/ walking/ jogging.
  • Early rise by 5:30 AM for meditation.
  • No coffee anymore only tea.
Spirituality

  • One verse a day.
  • Daily prayer time going to work.
  • Family prayer before going to sleep.
  • Once a week household prayers.
  • Once a week church.

Finances

  • Pay out all DEBTS. Not a Single Loan.
  • Increase salary.
  • Sidehustle Income .
  • Stocks Portfolio to 200% gains.
  • Building Emergency funds again.
  • Investing for future education.
  • Retirement funds.
Family
  • More Quality Time 
  • Play more with kids.
  • Dating Once A week
  • Do Household Chores
  • Cook for them
  • Reading Time


RANDOM MOTIVATIONAL QUOTES

I really love collecting quotes, here are some of my favourites:
Your Biography is not your destiny.
Think Long term.
Develop your Mind.
Optimize ONE THING AT A TIME.
New Adventure & Gain Insights.
Absence of Money does n't bring happiness.

Sunday, 25 March 2018

PSEi Correction @ 7600

Every time PSEi hit 7800, possible to touch the 7600 level as per my observation. CAVEAT!!! not for the faint heart.


As per above COL Technical Outlook can hit at 6500 level same as C wave in the past. As history repeats itself, there is always a possibility to follow the same pattern.

I'm looking for possible entry points for some favorite index stocks:

AGI      @    10.84
DMC    @    10.42
DNL     @      9.55
SHLPH @     48
MBT      @    80.20
MEG      @     4.07
FGEN    @     15.65

Those are stocks on my watchlist and planning to add if it touches my entry point. I turned to value investing because of time and currently working full time but I kept myself updated on technical analysis as this is my first love.

My 12 Learning Resolutions for 2018

This is not a New Years Resolution, we are already finishing the first quarter of the year 2018 and looking back what I wrote on my New Year's Resolution, I can say I'm missing most of it.

I rather revise it as a Learning Resolutions, I would like to learn more for my own growth.

Here are some learning resolutions;

Sunday, 11 March 2018

Money Talks UAE 2018

For the last 3 years, I'm keeping to myself how I suffered financially because I'm ashame that I made a lot of financial mistakes and be judge that I failed in my financial journey as a licensed CPA, Master's degree graduate, entrepreneur and financial blogger,  but yesterday during Money Talks UAE 2018 was another turning point of my life.

I unloaded my financial bagagges and be myself during the DIY - Financial Planning session with Ms. Salve Duplito, she hit the soft spot of attendees and share how to vision their future self at the
age 60.

I cannot drew clearly because of financial mistakes keep flashing in my head, it's like pushing me back to my past during those times that I lost my job and ran out of emergency funds, unloaded my red stocks with big amount of losses, my first condo unit that was foreclosed by bank, sold my first beach property, a time that started to pile up my credit card debts, personal loans, my wife's delivery of second baby without health insurance, insufficient fund receipt from ATM while on exit and recently sold my second condo unit at a loss.  

I cannot see the end of tunnel and keep going back to zero or nothing, but Ms. Salve said she believed in me and I could stand up and  be brave enough to start all over again. She said to the class to pray for me. Tears overflow and even until today when I arrived at the office in front my desk, the determination to start again is like a burning fire.

I want to share this story because there are many OFW's that could be on the same situation where I stand right now, from Rags to Riches, Riches to Rags, Rags to ______ . I will keep the third part of financial journey in blank for the next 5 years and stick to my financial plans.

I stopped blogging because I cannot walk the talk and lost the hope to get away from this financial mess. Yesterday was a wake up call or my "turon moments", this hugot line inspires me:


Ms. Salve, once again "THANK YOU VERY MUCH AND MORE POWER". KEEP INSPIRING OUR KABABAYAN'S.

I will never forget and treasure my  own "TURON" moments.


For Sir Randell, Sir Marvin, Sir Carl and Maestro Tony, all of you never get tired of teaching and inspiring Filipinos abroad. Thank you very much.

MONEY TALKS UAE Volunteers especially Franz. MABUHAY PO KAYO.

KEEP INSPIRING OUR KABABAYAN'S.



Thursday, 19 October 2017

Savings Plan for Financial Freedom

I’m reading the book of Robert Kiyosaki, Guide to investing and his elaborating the goals of every individuals accordingly in this order:

To be secure.
To be comfortable.
To be rich.

Most  Filipinos aiming for first 2 goals, to have a secure job and have a stable monthly income, once they reach that status being comfortable will stop them to grow and get stuck.

Nothing bad on those goals but to become financially rich and free from financial worries should be our main goals especially for Filipino OFWs.

I’m starting all over again and preparing for my financial freedom.

I would like to share with you my 3 savings plan that might help you in your financial journey:

First, Increasing Cash Flows. I started working again in Oil and Gas Industry but salary cuts from previous position due to lower position but saved time of at least 4 hours of travel. But I’m thinking to move to a higher position very soon, on the sidelines we launched a start up CPA review school (I can do PAID lectures on my free time).



Second, Cut monthly expenses. I’m using rent a car for the last 4 months and spending 1600 AED plus fuel 300 AED, I’m blessed to found a second hand car and bought it for cash (no bank loans). I cut the 1600 AED expenses. Another good news today, I received the family insurance, now I will be paying only 50AED for every consultations and free medicine compared previously paying every medications.


Third, Save and build cash on the sides. Cash is King. Everything is going up (PSE Index and Commodity Prices) and having money on the sides while waiting for right opportunities will be a great advantage for future investments.

I hope you are enjoying and having fun in your journey to Financial Freedom.

Sincerely yours,

JONATHAN I RUIZ, CPA, MIB
NEWBIE MENTOR

What makes you happy?

Happiness is “the meaning and purpose of life, the whole aim and end of human existence.” "GRS Blog" Everyone is searching on w...