Sunday, 28 December 2014


I decided not to post graph on this blog because I have a lot of newbie visitors on this blog. I was asked many times what stock to buy for 2015. I'm looking at the graph of AGI and I believed that there is a sign of reversal with this stock after hitting the bottom a week ago, same story with the RWM under it's portfolio.

Technical graph showing a good reversal sign after the continuous downtrend in the past weeks:

AGI completed 5 waves of up and down, the pattern of lowest low is already hit as we have seen in the graph above, the stock price is also below the 3 SMA lines. A good entry point of this stock is 22.25 below and a rebounce at 25 price above is possible very soon. This stock is included in our PAM table.

Recommendation: BUY

Sincerely yours,



5 Rules for the Game of Life by Brendon Burchard
Let's have a review on this rules for the game of life. It will be great to apply this coming year 2015.

1. Clear Vision - What is your vision for life? What kind of life do you want to live? What relationship do you want to have? Who do yo want to become? What type of person do you want to be?

2. Believed in your ability. Figure things out. Believe in your total self. Develop your confidence. Enough mastery in your fields and developing your skills. Focus and give more energy. Grow yourself. There will be a better tomorrow and expect the struggles. You will be able to develop your competency.

3. Have Fun. No matter what, you should have fun in this journey. Bring the fun, bring the joy. Be proactive. Find opportunities in those struggles. Bring the light in the darkness. Impact people on your journey.

4. Be patient but persistent. Be cool. Life must be slowly moving. Give time, don't hurry. Don't shortcut the journey to your success. Enough patience success will come. Persistent in your actions, don't stop, remember that you are a warrior. Persistence of action and behaviour will gets you ahead in life.

5. Love and respect others playing the same game in life. Critical to our legacy to give love and respect others. This is the good part of life to love other people. See yourself on other shoes. Respect their own voice.Let them follow their own rules. Be sympathetic, understanding, respectful and loving. They should feel your affections and love.

Have a Prosperous New Year.

Sincerely yours,

Newbie Mentor

P.S. You might want to save attending seminars thru buying the Newbie Book in which I explained different financial instruments available for you. Here is the link Central Bookstore

Saturday, 27 December 2014

High Performance for Year 2015

Reality Check 2014
Did you give 100% in your career ?
Did you achieve your dreams to have a 6 pack abs?
Did you hit the target % gains in your portfolio?
Did you hit your target profit in your business?

If you answered those questions with a big "YES", Congratulations.

Year 2014 will be unfold and 2015 is opening the doors for a new adventure and new beginnings.

As an investor and trader, you are already thinking of what will be the next move in your investments or stocks to "imbak" or "bodega" for year 2015. It's time to reflect and check if you achieved high performance in year 2014 not only in the field of stock market but in your life as a whole.

I reflected in the past few days and checked what are those goals on my lists that I was able to achieved:

1. Marriage. ( July 13).
2. Baby ( August 8) "My wife got pregnant".
3. Retire at age 30 ( October 31). You tube link retired @30
4. Holiday in UAE amd PAM Meet up. ( December 5 - 16)
5. Launched my book (December 23). Link to my Newbie Book  .
6. PAM Academy (June 6). Link to PAM Academy.

Those are 5 important goals that I gave my high performance. There are also goals that I was not able to achieved:

1. To lose 10 kg in weight.
2. PAM PSE Tracker development in iOS. (only android version).

You might be discourage if you did not achieve your goals but giving up is not a good solution. I moved my missed goals to year 2015.
There are challenges that you need to overcome to fulfill your goals and dreams but determination and focus will be key ingredients. I encourage you to write your 2015 High Performance Goals and start creating strategy to achieve them.  

I'm wishing you a Prosperous Year 2015.

Sincerely yours,

Newbie Mentor

P.S. Newbie Book is now available at Central Bookstore.

Tuesday, 23 December 2014

Christmas Gifts

A year ago, I started writing about different investment vehicles and check the risks associated and how I could maximize the famous advice of financial advisors "Let your Money works for you". I studied and invested myself on different financial instruments, so I will be able to share a real life transactions. Today, a dream of sharing my knowledge in financial field is now a reality.

I considered this book as a Christmas gift to Newbie investors and traders. This book will open your eyes to the reasons why you need to invest and what are the financial instruments that could give potential returns in the future. I know there are a lot of books to read in this field, adding this book to your reading lists will  be your Christmas gift to Newbie mentor.

Book Description

A book is designed to help Newbies discover the way to financial freedom. A real life samples and transactions of different financial instruments.
The book also contains explanation of different investment vehicles, stock market strategies and advice on how to achieve financial freedom. This book is written in an easy to read and easy to comprehend manner. Everyone could understand the calculations and samples even without a degree in Math or Finance.
Bullet Points on the Book
* How to start investing in the stock market
* Different investing strategies that could give you the idea on how to discover yourself on the stock market battlefield
* The PAM principles and the fatal mistakes of newbie traders and
investors in this field.

Wishing you a Merry Christmas and Happy New Year..

Sincerely yours,

Newbie Mentor

Thursday, 18 December 2014

Christmas Bonus = Christmas Gains

Christmas bonus is now available in your bank account. Many already bought gifts for their "inaanak", probably you bought noche buena package and gift for yourself. Did you add a buying power in your portfolio?

I thought to myself, I don't have a Christmas bonus that results to constraint budget,
a disadvantage of a retiree at an early age and without pension from the government.
(a day I retired@30).

I don't have much income with my Newbie mentoring program,and  PAM PSE Tracker downloads.
Adding to my disappointment is the forex loss because of the slipped in oil prices.

I don't  easily give up to find an income sources, now that I have a lot of time to trade in the stock market , I said to myself this is the field that I'm going to take home my Christmas bonus. 3 days ago, the stocks went down so badly at 6 966 level, blu chips hit by the blood. A week ago, I bought Bloom @ 11.10 and gains of 53 000, I sold it @


I bought DMC @14.42 and sold @ 14.80 with small amount of gains:

A total of  57, 265 for this month of December which I considered my Christmas bonus, adding to that the loss that wiped out in my MAX's position of almost 37000 pesos.

As a Newbie mentor, I always said that trading is not recommended especially if you don't have time to monitor and have a heart problems.

Christmas bonus is a financial gains or money but for me there is something more than that. I received the most awesome Christmas bonus this year which is my upcoming baby daughter named Maria Athena:

I would like you to reflect for this coming Christmas and how you are going to celebrate this season?

Let me be the first to greet NEWBIE Investors and Traders, A MERRY CHRISTMAS AND A HAPPY PORTFOLIO FOR YEAR 2015.

Sincerely yours,

Newbie Mentor

P.S. Newbie Book will be available in the market soon.
Congrats to PSPC holders and PAMers.

Sunday, 14 December 2014

A Flight to Heaven

I planned for a holiday trip in United Arab Emirates to visit my wife and to be with her for a medical check up for our upcoming baby. She already at her 5th month and it's time to know the gender of our baby. I'm really excited to become a Father.

I suffered from a dilemma of visiting or not because of my preparation for my start up business in Rome, Italy. The application of visit visa and booking of ticket added to my worries. She said that she will not disclosed the gender of our baby unless I will come with her, without any hesitation, I said "ok, you can apply my visa and I will book my ticket."

As a frequent traveler, I know how to get a cheap flights but I have only 3 days left after my visa got approved. Upon checking. most of the flight tickets went up already, I encountered Air Serbia thru the search engine Expedia and Last Minute, the first time I heard the airline which is a partner of Etihad Airways, this is a cheapest flight with stop over in Belgrade then direct to Abu Dhabi Airport. I booked it thru Go To Gate website:

Everything went well for my two weeks holiday, I was able to visit great places such as Burj Khalifa, Wild Wadi Park, Palm Jumeirah, Miracle Garden, Global Village etc. etc.

Miracle Garden

Al Ain Zoo (Oldest Zoo)

Of course, the important part of the trip is to know the gender of our baby,  a healthy baby girl. A name is already given "Maria Athena Ruiz", it was after my nick name ATHAN and Greek god of wisdom Athena , added the name Maria  after my wife's first name Marie Kaye.

Indeed, I enjoyed my time with my wife, families, friends, and few members of PAM Academy

I know you are wondering, Why the title of this blog post "A flight to heaven", here is the short overview of what happened on my last day in UAE and with my flight coming back to Rome.

December 12, 2014 is my flight going back to Rome, Italy. I woke up early in the morning around 3:30 am to prepare myself for my flight 8:20 from Abu Dhabi to Belgrade, then few hours of stop over in Belgrade going back to Rome. My wife asked a favor to his brother in law to drive us from Al Ain to Abu Dhabi, and he said yes.

On our way to Abu Dhabi, we encounter a foggy road which gave his brother a hard time to drive, he follow the speed limits and carefully follow the road signs which could not be seen clearly. We stop by at Ad nook to have a fuel and coffee for his brother to keep awake. Thank God, we arrived safe in Abu Dhabi Airport after 2 hours. 

At the check in area, I was accompanied by my wife and everything went smoothly from checking of my visa, passport, ticket flight. The flight attendant gave back my passport and he said to wait for the baggage tag because the printer is not working. He called a technician and I waited for 20 minutes before my baggage sent in the conveyor.

It's time to say goodbye to my wife, I whispered "I love you so much and take care of our Baby Athena" then I leave without looking back because I'm getting teary eyes.

I boarded on the plane with a smile and start taking pictures of myself because I have a window seat.

I looked at the outside window and everything looks ok  but I smell a gas leak, I ignore it and thought that is normal because the pilot announce that the plane is undergoing fuel. I continue reading my book.

After an hour, the pilot made an announcement about the flight in Arabic and repeated in English, being focus on the book that I'm reading (the power of focus), I called the attention of flight attendant and asks to repeat the message of the pilot. The attendant replied and said that we are going back and land to the Abu Dhabi airport due to a problem which is unknown. This is the reason why I title it "A Flight To Heaven".  The fear of not seeing my upcoming baby and being able to be with my wife on her delivery gave me a cold sweat. I stayed alert and whisper a prayer.

stolen shot during the exit of passengers

I thank God because plane landed safely and probably will not be able to write this blog post, if the landing did not went well.

It is only an overview of what happened and I will post on my next blog the voice conversations of travelers to the representatives of the airlines, the holding of passengers for 30 minutes inside the airport bus, the queu line for rebooking of passengers ticket, the chaos on the transit desks, my baggage arrived after a day etc. etc. 
As of this writing, I'm writing my claims to the airlines for the delay and baggage damage.

I realized that we should always take every moment to say to our families and friends that we loved them. On that day, I called my Father that is celebrating his birthday but did n't mentioned about what happened on the flight.

I hope you learned something on my experience on this flight.

Sincerely yours,

Newbie Mentor

Tuesday, 9 December 2014

IPO Game

Initial Public Offering,the first sale of stock by a private company to the public. IPOs are often issued by smaller, younger companies seeking the capital to expand, but can also be done by large privately owned companies looking to become publicly traded. source (Investopedia)

PSPC and X are the recent IPO's in the Philippine Stock Exchange, both of them showed oversubscribed status before the listing. 

PSPC or Phoenix Semiconductor Philippines Corporation was established by STS Semiconductor, Korea's leading provider of semiconductor packaging.

X or Xurpass Inc. is a technology company specializing in the creation and development of digital products and services for mobile end users.

Those given X shares are very happy from IPO price of 3.97 to 9.05 equivalent to 125 % gains and those with PSPC shares are very lonely from IPO price of 3.76 to 2.60 equivalent to 31.60% loss as of today's closing.

Many are looking for answers why there are stocks that gave 100% gains during IPO?
Many are questioning, Is it good to subscribe during the IPO period?

The risks associated with IPO stocks are very high because of little historical data to analyze the company. For traders they don't have much to look at their technical charting. These companies are under uncertainty and undergoing a transitory growth period. No one knows what will be the future values of the company.

Sometimes the risks associated is worth, sometimes is not.
As a newbie mentor, I recommend to check if the company has a good expansion plan and where the proceeds of IPO will be spend. 

As a developer of PAM PSE Tracker and mobile apps enthusiast, I chose X. The result is impressive.

Sincerely yours,

Newbie Mentor
P.S. Newbie book will be available soon, looking forward for your support..

Thursday, 27 November 2014

Travel with your GAINS

I love travelling and try to spend less on my travel. The good thing, I was able to tsupit my ticket flights to UAE and Belgrade with small allowance from Bloom.

I'm always on time, (see the picture) I arrived before the steward and was able to sit on the first 2 rows of the airplane(window seat) next to the Business class as a reward.

The good thing, I was able to tsupit my ticket flight to UAE and Belgrade, as of this writing at Belgrade International Airport. 

I met a French professor to tour me around the city, we went to Republic square, The Fortress, Sava Center, Belgrade Arena, Skardlija etc...etc.

I enjoyed the rich culture and spicy foods. 

The weather is at 1 degree celsius, a bit cold but not snowy. I collected pictures of canyon from World War II.

Travelling will teach you a lot of things, it can help you to be creative and look for opportunities for new business and meeting new friends.

Many Pinoys set their travel plans on their retirement when they will be around 60 years old or above. I think there will be a big difference, if you travel at an early age it will open your eyes to many possibilities and you might want to move to another place and settle there. Believed me, I lived in 6 different cities in a span of 7 years from Manila, Rome, Singapore, London, Oslo, Bergen, and Scadinavian cities that lead me to discovering my passion in food, cultures, language etc..etc..

Some retirees usually will not be able to travel due to sickness or health problems. The time that we lost in our younger years will never be recovered. It will be sad, if you will not be able to see the beauty of other worlds.

Save and Invest, those could be your first step.

Sincerely yours,


P.S. I really like the Coffee here in Belgrade, looks like Chocolate, Grilled sausage is spicy, Gryos Chicken delicious, Dark beer is too strong.

Flight JU 800 Boarding now.. I need to go..See you PAMers in UAE.

Monday, 24 November 2014

No need to be kuripot!!!

1. Don't go to starbucks!
2. Don't buy the new iPhone!
3. Don't go with your dabarkads!
4. Don't go for a holiday or engrande vacation!
5. Don't buy a branded clothes!

Those are famous advice of financial advisors. Pay for yourself first and invest for your future.

Here is the explanation:

1. Let's say you are drinking capuccino grande at Starbucks everyday at a cost of 130 pesos, equivalent to 2600 pesos in 4 weeks or 20 days. If you replace it with 3 in 1 coffee, it will only cost 78.70 for 20 sachet at a cost of 3.93 pesos. You saved 2521.3 pesos.

2. Buying an iPhone 6 will cost in a range of 32,000 -58,371.6 . If you have the iPhone 4 and 5 will not make much difference in terms of functionality, if you are using it for texting, calling, surfing on the internet then it's not necessary to buy a new iPhone instead used the money as a buying power on the stock market or open a mutual funds account.

3. Dabarkads, this is a part of our everyday life, to have social life and be part of the community. Be part of the community in which will help you grow your financial knowledge and help you achieve your dreams. A good example is the PAM community or PAM Academy.

4. Don't go on holiday or engrande vacation. I don't agree with this one. I travelled at least 25 cities around  the world with a cheaper expenses due to early booking and collecting points. Check I will be in UAE this coming first week of December.(just leave a comment if you want to meet your newbie mentor at no cost).

5, Branded clothes. If you can get a same quality of materials without paying double price, then you can saved a pretty good amount. The brand will not add to your pogi points,  no need to spend for expensive brands. A sale is not a sale. 50% off meaning that is the true amount of the items with small profit margin.

I will not give you an advice to be KURIPOT, instead SPEND WISELY. Life is short, even if you save a lot of money but suffering or sacrificing your lifestyle then it's time to reflect. You might want to increase your income like asking for a raise or promotions, adding an extra hours of work or overtime, business sidelines etc etc. There are many ways to increase your cash flows, you need to discover it.

Sincerely yours,


Saturday, 22 November 2014

Accelerated Learning in the Stock Market

Josh Kaufman, popularized the get good at anything in 20 hours.
Can we apply Josh technique in the field of the stock market?
Do you want to be a master in trading stocks?

His techniques in mastering a specific skills:
1. Decide - you need to decide and commit yourself in mastering the skills. Set a target performance.
2. Deconstruct - you need to undergo the process and deconstruct the different subskills. Focus and  practice.
3. Research thoroughly.
4. Removing the barriers.- practice without any destruction,example:  writing a book, turn off the wifi connection(facebook and notifications) and focus on writing.
5. Commit to practice at least 20 hours - setting up to do the work. Behavioural psychology mentioned, it will be easier for you to commit the first 20 hours then you will know if this will interest you. A pre-commitment to practice.

Technical analysis is one of the concept that you need to master to be able to trade in short term and make profits. Different disciplines such as candlesticks charting, harmonic patterns, indicators, etc. etc. This skill will take time and practice. Newbies are persuade to take a step to change strategy because of promising gains and the dream of financial freedom. I don't recommend to trade especially if you have a full time job and zero knowledge and you are riding with recommendations of friends and said experts.

I would like to tell you that thorough study of technical analysis will be the first step but not a guarantee to success. There will be many losses against gains in the first years and you are ask to commit yourself. You will consider it as a full time job. 

The techniques of Josh Kaufman could be a applied. You need to give time and commit your first 20 hours without any destruction.

Congrats to gainers of the week and especially to PAMers.

I captured a moment to inspire last Friday.

Investing is different from trading.

Sincerely yours,


P.S. I will be in UAE this coming first week of December, maybe we could meet somewhere to have a dinner, this is part of my retirement travel plan and I don't ask for a fee.

Saturday, 15 November 2014

Value Investor

Sir Warren Buffet, Oracle of Omaha, one of the wealthiest person in the 20th century and continuously growing his portfolio of investment. He popularized value investing or the buy and hold strategy. His one of the notable philantrophist and continuously living a frugal life despite of having billions and CEO of Bershire Hathaway.

As part of the Newbie lessons program, the winning criteria in picking the right stocks of Sir Warren:

1. Unique Products.
2. Dividend Yields.
3. Increased Earnings.
4. Management.
5. Undervalued

Those listed criteria above will be discuss in the upcoming Newbie Lessons Program, in addition there will be lists of stocks for long term with analysis and target price to be given to newbie enrollees at the end of the program.

I'm hoping that newbies especially those that don't know where to start, this is the place for you.

Send your inquiries for enrollment procedures @

Sincerely yours,



Do you have an alarm clock?
Do you have phone reminders?
Do you check notifications in Facebook?

Every morning, you will hear set alarms in your iphone or samsung. If you have important meetings and special reminders, mark the calendar or automatic notification. How about facebook notifications such as to like a page, birthdays, upcoming special events etc..etc..

In the stock market battlefield, we always wants to be the first to enter in the stock that could fly high. We always want to be the first and have an alert, if there is a good news coming especially those news that could push the price up such as increased earning announcement, FOO or follow on offering, buy back program, dividends, IPO etc...etc..

No one will give you an alert or notification in the field of stock market, what you could see are reviews and ratings by brokers and gurus. One of the problem is the busyness in your daily routine that no one will remind you to buy or sell a specific stock.

Two months ago, I had a meeting with my developers team for the upcoming improvement in the PAM PSE tracker
it will be a totally different applications that will be publish in iOS and Google play this coming December 25, 2014.

There will be more added features that will be helpful to newbie investors and traders, the alert notifications when you set a specific target price of your stock, you can clone your stocks portfolio, dividend declarations, averaging up and down transactions and the famous PAM table will be accessible at the palm of your hand.

I'm really excited for another breakthrough in this field. I'm looking forward for your undying support.

Please continue to support the PAM PSE Tracker and download in Google play, click here:

Sincerely yours,


Thursday, 13 November 2014

Life's Journey

Life is a journey. What matters is the journey not the destination.
Those words are half true and half false, we can continuously travelling but without arriving at the destination. In this case, destination will matter at the end of the day.

Many friends asking, Are you ready? Where you going? Are you going to retire and not work again?
Today is special because of my departure from Norway, next destination is Rome,Italy [writing this article before boarding to London]. I kept answering those questions, Yes, I'm retired from the rat race or 9-5 hours job and probably will not go back again. I will settle in Rome while starting my online business and continuously mentoring newbies thru newbie lessons program.

6 cities and 4 different countries for the past 7 years journeying to Financial freedom and finding my true passion in life. The journey is tiring and looking back tears started flowing. I gone that far, from dishwasher, pizza maker, chef, market researcher, documentation controller, real estate broker, stock master and an entrepreneur. From single and happy Go lucky to a Married Man and soon to be a loving Father.

Enjoying the journey and knowing your destination with hardwork and determination will bring you to your success and happiness in life.

Have a pleasant journey.

Flight DY 1314 is now boarding, please proceed to gate 23a.

I need to go before I miss my flight.

Sincerely yours,

Newbie Mentor

Tuesday, 11 November 2014

COSCO as a substitute

We are looking for a good stocks for long term. One hot picks on this blog is PGOLD, slow moving stock but good news hit that the net income in third quarter recovers with 55.5% increase y/y. From 33 buying point to 36 as of 11/11/2014 closing. If you have a sari-sari store business and you always buy groceries on puregold then this stock is for you.

Sometimes, we could have a better substitute, COSCO is another way of owning PGOLD. Third quarter earnings net income grew by 16% contributed to this growth is the LPG business. It recovered from the declined in net income of 6.5% in the first half of the year. Christmas shopping will contribute to the continuous recovery of the Cosco's retail and whisky business.

Another good thing, COL released their target price of 11.50 with potential upside of 45% from 7.90 price level.

Of course, many will ask, what is your recommendation?

BUY with Caveat.

Sincerely yours,


P.S. Any potential losses and gains will be shoulder by the readers.

Sunday, 9 November 2014

Dividends Play with DMC

This is not to show that I'm good or master in the stock market battlefield or scam someone. This will test how much you know in the stock market.

Negative and positive reactions from the members of forum are highly appreciated. This is what I called emotional intelligence. Whatever criticism they will say against you, standing up and keeping your values and principles will define who you are.

One of the main takeaways in this scenario is to have a plan. Stick to your plan and you will have fruits to harvest. Another learning is to manage your emotions, whether small or big amount of money you are losing.

Here is the explanation of the 80% loss to 4.51% gains:

The amount of gains covered my 3 months sponsorship in hulanalysis.

If you want to learn more about the stock market, I would like to invite you in my NEWBIE lessons program.

Sincerely yours,


P. S. Together We Can Achieve Financial Freedom.

Friday, 7 November 2014


Who wants to retire early?
Who wants to start business?
Who wants to invests?
Who wants to achieve financial freedom?

Probably your answer to those questions is a BIG "YES".

We have many questions in our life that we don't have direct answers that hinders us to achieve our dreams. A dream that one day, our retirement will be worry free and we can do the things that we love. This is not an easy journey. Hardwork and determination will be the 2 ingredients for a dream retirement.

I retired from 9-5 hours job, because of my vision and mission to spread financial literacy. The role model or blue print of  a "Man that Escape the Rat Race", "Escape the Cubicle Nation",  and "Man of Start-Up".

Leaving the active income behind is scary. The fear that will flows to your whole body, mind and spirit should be overcome. The temptation of good job offers, and staying on comfort zone keeps bugging on your nightmares.

It's really challenging times and moment of my life. I will face it and no holding back. The freedom lifestyle and mission of helping others will be my main theme in this daring adventure.

If you are Newbies in this field and lost in the forest, no place to go, then Newbie Lessons Program is for you, check this link and follow the procedures:

Sincerely yours,


Tuesday, 4 November 2014

Re-tired @ 30

4 days from the time I re-tired. I don't know what to do. I don't have office to go, no meetings, no emails to check, no tasks to finished, no projects to work on, no directions and I really don't know how to organize my day.

I end up in starbucks writing and compiling the lessons learned in investing the stock market. The right time to do mentoring program and make an impact in the lives of Filipino's locally and abroad.

I want to be the blueprint of success in escaping the rat race.

I'm waiting for few days before my flight to Rome then look for a place to go and start my new adventure. The truth, I'm trying to figure out to be productive and find an extra income that will cover my monthly expenses. It's very challenging to keep yourself work and motivate towards your goal to help others. This will not stop me to become a role model to everyone. I don't have a fancy title as financial advisor but what I have is the experiences in different fields.

I realized, as a newbie mentor I could reach thousands of OFW's and Filipino's worldwide thru an online mentoring program. This is the start of a bigger vision. Aside from the mentoring program, I will be travelling around, visiting different cities in the Philippines and countries where Filipino's work and live. I added to my retirement plan to start a small online business to support my wife and upcoming healthy baby.

Please do share this link, this might change your life and others:

Sincerely yours,


P.S, Please take time to watch this video:
Newbie Mentor Message

Thursday, 30 October 2014

Retirement is my NEXT EXIT

Everyone is waiting and looking forward for their retirement. This is one of the reason why we keep ourselves invested. The reason why we need to add a buying power to our portfolio. The reason why we are working hard. The reason why we are saving and living frugally.

Another definition from members of the forum:

Wikipedia definition of retirement:

Retirement is the point where a person stops employment completely.[1][2] A person may also semi-retire by reducing work hours.

I'm trying to figure out my own definition of retirement, here is what came out of my head:

Retirement is spending time with the people you loved without worrying that you will run out of cash.Retirement from 9-5 hours job. Retirement from  your day job while receiving passive income from real estate, stocks, mutual funds, blogging, side line businesses etc. etc. Retirement is having a good life. Retirement is the time to help others and continuously making an impact. Retirement is the time which you contributed something to the world to be a better place.

Let's work together hand in hand. Together we can achieve our retirement.

Sincerely yours,


P.S. Today is my last day as Cost Accountant from one of the biggest company  in oil and gas industry, I counted and waited for this time of the year. Retirement from 9-5 hours job. I might be a full time Newbie Mentor. I'm hoping that I have a full support from newbies.

Wednesday, 29 October 2014

Dance with MCP and PLC

What if you can dance while earning?
What if you sit down and cash flows unknowingly?
What if you can use your talents in earning money?
What if you can follow your passion without fear of failures?

The cash gifts received from families and friends last wedding day during our prosperity dance were invested in the stock market and used for furnishing our condominium investment.

My wife and I agreed that our extra money will be put to financial instrument that will beat inflation in the long run. Stock market was the chosen battlefield. Again, stock market is  risky, you need to study and do a thorough research.

We decided to picked AGI for long term but due to selling of shares by Sir Andrew Tan last July the price went down below 25, We switched strategy to a mid-term play. We decided to cut loss and buy another stock which was MCP.

I researched the financial standing of MCP and management plans. As per 2013 yearend price closed at 13.68 and the continuous increased in company's valuation as per table below.

source: Technistock

Another factor, the opening of City of Dreams that will give a potential increase of earnings in the near future.

I triggered the buy button last July in which the stock trading at 11.18 - 11.42 price.
As of today writing, the results showed a 22% gains:

The results of the researched and thorough analysis paid off. There is no magic formula.
The money from prosperity dance grew by 22%.

As per PAM updates 2 weeks ago, PLC is one of mid-term play, having a direct relationship with the results of City of Dreams operation and having an agreement with MCP of 80%  pay out from unrestricted retained earnings. PLC potential upside of 10% is still possible but at the entry point of 1.78.

Col Analysis:

Sincerely yours,


P. S. I will be launching a NEWBIE program and hoping for your support.

Sunday, 26 October 2014

Christmas Money Machines

Roma, la citta eterna. I spent my weekend with my brother and sister in Rome, Italy. I'm thankful that I was able to share my investing experience and goals for the upcoming months. I started planning about the business that I want to launch.

It's very important for all of us to have an extra business and create another money machines especially this upcoming Christmas seasons. You can sell handmade Christmas decors and toys, you can sell bibingka and puto bumbong at "simbang gabi" etc. etc.

Maybe you want to add a buying power to your stocks portfolio thru your Christmas bonus. In this season of the year, we need to control our expenses especially in buying Christmas gifts and shopping expensive clothes. Remember to pay yourself first.

Create different sources of income and cut your expenses.

Sincerely yours,

Newbie Mentor

Sunday, 19 October 2014


How about living with dividends without working?

Those are few sample of dividends received.

Companies can declare dividends because of their good financial standing and can encourage shareholders that they are receiving returns from their investment.

Dividends can be in the form of cash, stock and property dividends. Most stable and secure companies can distribute dividends.

The board of directors make decisions if the company’s earnings can be share to stockholders or reinvest like plant expansion, or entering into new market and launching of new products.

Three important dates to remember:
1.       Date of declaration
2.       Ex Date
3.       Date of payment

Date of Declaration-

The date on which the board of directors announces to shareholders and the market as a whole that the company will pay a dividend.  In many cases, the stockholders meeting can be the date of declaration and later will be disclose in PSE.

(Heto yung time kung kelan napagkasunduan ng board of directors na idistribute ang earnings ng company for the stockholders to be happy)

Ex Date-

On (or after) this date the security trades without its dividend. If you buy a dividend paying stock one day before the ex-dividend you will still get the dividend but if you buy on the ex-dividend date, you won't get the dividend.

Conversely, if you want to sell a stock and still receive a dividend that has been declared you need to sell on (or after) the ex-dividend day.

Few days before the ex-date, the usual movement is for the stock to goes up because of the buying pressure that could push it’s price then on the ex-date most of traders sell their stocks because they earned already from price momentum.

(Heto yung time kung saan ang mga traders ay nakabili na days before pa lang ng ex-date. Halimbawa DMCI stock dividends on October 14, kailangan meron ka ng hawak on the 13th para entitled ka na, kung bumili ka on October 14 then hindi ka entitled sa dividends).

Date of Payment

This is the date company mails out the dividend to the holder of record.
This date is generally a week or more after the date of record so that the company has sufficient time to ensure that it accurately pays all those who are entitled.

On the date of payment , you will received an email from your broker that you received the dividend payment. (Minsan nalalate dahil dumadaan pa to sa clearing process)

Sincerely yours,



Friday, 17 October 2014

Cash Flow Statement

Cash flow statement is one of important reports prepared by Accountants in the company. This determines the net cash flow from operating, investing and financing activities of the business.
Cash flows from operating activities are transactions in providing goods or services. Cash flows from investing  activities related to acquisition or disposal of assets (purchase of investments)., holding period should be more than 6 months. Cash flows from financing activities related to owners and creditors.

Everyone is an accountant on their own terms even if you don't have an accounting degree.

Can you make your own cash flow statement?

Cash inflows from operating activities:
Monthly paycheck                                                             ______
Part- time income from selling pre-paid loads                  ______
Commissions from selling insurances                               ______
Total Cash Inflows from operating activities

Cash outflows from operating activities:
Rent Expense                                                                    ______
Utitlities Expense                                                              ______
Food                                                                                  ______
Total Cash Outflows from operating Activities               ______

Net Cash Flow From Operating Activities                       ______

Cash inflows from Investing Activities:
Rental Income from properties                                            ______
Dividends received from stocks                                         ______
Appreciation Gains of Mutual funds and Properties          ______

Cash outflows from Investing Activities:
Added a buying power to stocks portfolio                         ______
Loss in sale of BASURA stocks                                        ______
Depreciation of Car                                                            ______

Net Cash  Flow from Investing Activities                         ______

Cash inflows from Financing Activities                            ______
Cash from Consumer Loans                                              ______
Cash from  Mortgage Loans                                              ______

Cash outflows from Financing Activities                     
Payments of Monthly Amortizations                                ______
Payments of Interest and Penalties in Loans                     ______
Credit Card transactions                                                    ______

Net Cash Flow From Financing Activities                       ______

Making a cash flow statement is easy and fun, it should be a monthly exercise to monitor and track you cash flows standing. Remember cash is king and cash is the life blood of business. During bloody red days, it is very important to have cash on the sides.

Have fun preparing your Cash Flow Statement.

Sincerely yours,


P.S. See you on our PAM Blood Webinar

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