Thursday, 31 December 2015

How to avoid 2015 money mistakes?

Every yearend we prepare new year's resolution but most people they don't include money, the results same money mistake and same financial difficulties.

I would like to share with you, how to avoid 2015 money mistakes;

First; Financial plan. Planning your finances, know where you going to put your extra income and maximize your savings. How much will be the total value of your stocks portfolio? What will be the sideline business to start?

Second; Budget. Create a monthly budget. This will take 10 minutes of your time but many OFWs don't really appreciate the art of budgeting. To help you on this part, here is the link for budgeting app;

Third; Keep your spending low. Don't catch up with joneses. Many high income earners spend even more than their paycheck. A fishball vendor have more savings than those holding blue collar jobs. It is not how much you earn but how much you save.

Fourth; Ignoring small fees. There are small expenses that we usually ignore such as credit card charges, late penalties of monthly amortization, overdue payments etc. etc. Beware of those because if you sum up it will be equivalent to 20% of yearly expenses.

Fifth; Saving for a storm. Build your funds in different buckets especially emergency funds. Better to be prepared for unexpected.

Have a Prosperous Year 2016!!!

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 

Wednesday, 30 December 2015

Important Lessons in Closing Year 2015

It's time to closed the books of year 2015 and open the year 2016. There are a lot of great things happened in my personal life that will be a part of my life story and memories that I could share to my grand kids in the future.

Join me to closed the Year 2015 and let's open the year 2016 with a BANG!!!

First, I renewed my Faith to God, one of the hardest because of many factors such as my past, career, hurts, failures and ambitions. I realized that his with me "All the Time", every moment that I'm falling rock bottom, he will push me to stand up again. Start the year 2016 to work out your spiritual relationship.

Second, I moved from Norway to UAE. I'm used to moving from one country to another, this is a very special moved because for the reason of reunification with my wife. A bonus received "A Lovely Baby  Daughter, Athena".

Third, Family that prays together, stays together. Prayer is a very powerful tool, miracle can happen to any member of your family especially if you pray with good intentions."I personally seen different miracles this year 2015". My father's heart problem and health issues (MRI results negative) , wifey's early delivery of baby (weeks completed and delivered normally), many more...

Fourth, Manager or a Leader. I started working as a Manager of Coffee shop chain in Dubai. The truth my job offer is Financial Controller but I noticed that there are a lot of things to fix in the operations so I covered the operations and finance department. I act as a leader not a manager, you will earn more respect, yesterday "I received a special gift from my colleagues, "Sir pasensya na po, heto lang na kayanan namin" (Lol a branded long sleeves).Teary eyed, because I thought they gave me a tag as a "Terminator". By the way, I terminated at least 7 staffs in few months. I will be more considerate this year 2016.

Fifth, PAM Academy. An online learning platform that keeps giving recognition to my advocacy to educate and spread financial literacy to OFW's around the world. "Sir pwede ba kitang maging mentor?" this is a usual FB and email messages everyday. I'm planning to give this academy free for everyone in Year 2016  . My focus for 2016 is to continuously developed different applications for stock market like PAM PSE TRACKER and budgeting apps iProsper . I was able to organized a great team of developers.

Sixth, Money Matters. I monetized my blogs this year 2015, nominated in different awards  and created passive income. I also able to rent out my condos. Money is easy to earn if you have an abundance mindset and work hard for it. Money will overflows.

Seventh, Connect More. I been active in social media especially facebook to connect to long lost friends and family members. Year 2016 will be the same but more on productive post and I will focus on writing books. (I'm a desperate author and received criticisms with my grammar but that is a good motivation). In 2015, I was able self published

Eight, Health. I gained weight due to sedentary job and food tasting every week of 2015. For year 2016, I will lessen meat and more on vegetables. I will start my miracle morning by jogging, meditation and reading more books especially accounting books as preparation to achieve my unfinish CPA dream.

For year 2016, I want to be a better version of myself as a Father, Leader, Friend, Entrepreneur, Writer, Blogger, and Accountant.




Tuesday, 29 December 2015

What if today is your last day?

Yesterday I experienced a terrifying event, I took a bus going home, in the middle of the road it suddenly stops and smoke and smells inside of a burned rubber. Passengers start rushing to get outside, the terrifying part, I'm sitting second to the last seat. 

I'm seeing the smoke covering the inside part of bus, happy memories flashing back my head and the smile of my baby and wife. When I got out of the bus, I prayed to thank God, it's not my last day.

I pictured a scenario, what if that was my last day?
How will I answer the following questions?

What will happen to my family?
What will be the reaction of my families and friends?
What will happen to my businesses and works?
How will people remember me as a person?
What are the questions God will throw once I encounter him?
Did I live fully and according to his purpose?

Tomorrow will be the last day of year 2015. I would like you to join me in reflections of the above questions. Answer them honestly and start writing what  do you want for year 2016.

Have a Prosperous New Year!

Kindly download iProsper for your budgeting plan in 2016. Here is the link;

Sincerely yours,

Jonathan Ruiz 
The Global Dishwasher

P.S. Be inspired by this article about your Newbie Mentor,

Tuesday, 22 December 2015

Merry Christmas - Isang Pasasalamat

Christmas is the celebration of commemorating the birth of our Savior, Jesus Christ. This is the time to remember that we are saved by God's grace and love to humanity.

Before everyone gets busy, let me personally greet all of you "MERRY CHRISTMAS" AND THANK YOU FOR EVERYTHING. "

Photo Credit to My Wonderful Baby Athena

To All the Newbies in the stock market and PAMers, MABUHAY PO KAYO!!!

Spend your time with your Families and Friends and Enjoy the Seasons with Love and Joy in Our Hearts.

Sincerely yours,

Jonathan Ruiz

P.S. I might not be able to give a gift to everyone materially but this application can help you in your journey to Financial Freedom, iProsper :

Sunday, 20 December 2015

What is your ideal retirement?

Retirement - the act of leaving one's job and ceasing to work, giving up work, stopping work. As wikipedia defined it, a point where a person stops employment completely.

This is a goal of every Filipino OFW's to stop working abroad and go home to spend time with their families back in the Philippines.This is the time that you don't need to work and received money from your pension plans, government (SSS), retirement funds etc. etc, This is the ideal meaning of retirement for most of us.

I have done mini retirement in the past, I did n't worked for 8 months and depend on my passive income sources:  but recently joined a start up company in UAE. I experienced retirement for a short period of time and now,

I made a concrete plans for my next retirement.

First, I will have more than enough money to spend for extra leisure such as travelling, eating at finest restaurants, donating more on charities and foundation.

Second, I will collect money from my passive income sources and rental properties.

Third, I will continue developing apps and start more business ventures.

Fourth, I will spend time with my wife travelling and enjoying company of my grand kids.

Fifth, I will continue teaching, mentoring, helping and sharing blessings to others.

Retirement will not be equivalent to stopping completely instead continuously working on my passion.

How about you? What will be your adventure during retirement?

Sincerely yours,

Jonathan I. Ruiz
Newbie Mentor

P.S. Kindly download and share my newly developed app, the iProsper App,

Wednesday, 16 December 2015

How to send Passive Income Automatically to your Bank Account?

To escape the rat race, you need to exceed the passive income vs living expenses. The income from side businesses and extras outside of your regular monthly paycheck. It's also very important to make it automatic, there is no need for tracking.

Yesterday, I received my notifications from different sources:

Blogging Income:

Google wallet account, set up for blogging ads and selling applications.

Rental Income:

This is from rental income in trip advisor.

For selling ebooks, I used PAYPAL account as well as for PAM Academy, 

Start creating money machines and live with your passive income as preparation to your early retirement.

Sincerely yours,

Jonathan Ruiz

P.S. For monitoring and budget tracking, download now :

Friday, 11 December 2015

Earning more money is a skill

How to earn more money ?

I worked as a Chef, Marketing Director in Real Estate, Cost Controller, Blogger and Financial Advisor those are positions I took in the last 10 years. The truth, I'm trying to figure out which position will fit to my future goals but money is  a part of consideration, from being a Chef jumping to Cost Controller is 50% more pay. Blogging is a challenging endeavor, it took 2 years for monetization.

Developing skills will be part of your journey to prosperity. You can get promotions, partime consulting job, and  start your own business.

Aside from developing skills, developing key habits and attitude change will gives you more money;

1. Surround yourself with rich minded people. "Your net worth mirrors the level of your closest friends"- Siebold. If you are hanging out with those happy go lucky friends then there will be no difference in your lifestyle.

2. Read books. Rich people choose to read to increase their knowledge instead of watching TV.  I finish one book in a week.

3. Don't put your money on the bank. If you have extra savings don't let your money sleep for .01% interest instead invest it on other financial instruments stocks, bonds, mutual funds etc. etc.

4. Hustle, hustle. Learn to create money machines. Having a monthly passive income is a protection from unexpected termination or laid offs.

5. Budget. I highly recommend to start learning how to make your budget or cash flows statement especially for your Christmas bonus or extras. Here is the link for a great budgeting app iProsper

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

Wednesday, 9 December 2015

Why you need to feel the pain in investing?

" Kailangan niyang masaktan para malaman niyang buhay sya." ( She needs to feel the pain, for her to know that she is alive).

A hugot line from the movie Ex with Benefits when Dee's telling the story to Arki how she suffered birth complications of not crying during the delivery.

Newborn babies should cry immediately after birth to get oxygen or else it will suffer a complications on the brain. 

It is synonymous to our journey to financial freedom, we are going to suffer from different levels of pain to be successful;

1. Working hard now and reap the benefits later. It could mean getting promotions, working overtime, and hustling on your business to take more cash into your pocket.

2. Delay gratification. Drinking 3 in 1 instead of coffee from Starbucks. Taking the bus or car lift instead of driving. Small things that could give extra savings.

3. Studying and reading books. Discipline yourself from being online every 30 mins instead spending time reading books related to your field that could add expertise and will help you get ahead.

4. Automatic debit to your savings account. The first notification after receiving your salary. It will discipline you living on your budget.

5. Diversification. Minimize your risk by spreading your capital into different investments. Check your risk appetite.

Do you feel the same pain?

It means you are in the last steps to your journey to financial freedom.

Sincerely yours,

Jonathan Ruiz

P.S. For the Budgeting App, here is the link:

Saturday, 5 December 2015

iProsper as a Tool to Financial Freedom

11 For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future." Jeremiah 29:11

Prosperity is one of God's plan for everyone. He gave us already a future plan and what we need to do is take action.

Discipline will be a part of your journey to prosperity. Probably, you received the Christmas bonus or spent already. If you cannot remember where the last year's bonus spent then it will be same scenario today.

I developed a budgeting application in Google and iOS which I called iProsper. It will help everyone to prosper thru proper budgeting, tracking of income and expenses and reminders of upcoming bills. The budget formula is inspired by Borther Bo's prosperity formula of 10-20-70.

The total income distributed in different percentage allocations:

10% goes to tithes, this is your commitment to God to give. It can be more.

20% savings fund, it could be mutual funds, stocks, real estate etc. etc. and other investment instruments.

70% living expenses, you should live on this amount or even lower.

Nobody taught us about proper budgeting not even our teachers and we don't really track our spending. Let's learn to read our monthly spending reports.

Another important part of the iProsper app is the reminder for our upcoming bills and it will send you notifications once set the dates and amount of bill. This will avoid late penalties and interests.

Treat yourself this Christmas of this budgeting app that can change your view of proper handling of money and budget.

Here is the link of the app for Google play:
iOS will be launch this week.

Sincerely yours,

Jonathan Ruiz
Newbie Mentor
P.S. Don't forget to give 5 star ratings.

Tuesday, 24 November 2015

My Personal Habits to Reach Financial Freedom

Many Filipinos are dreaming of financial freedom or a life free from financial worries. I personally journeying and enjoying every steps to it. Last night, I received an email from Google Adsense that they sent another passive income to my bank account.

Let me share with you my habits to reach financial freedom;

First, Increase Cash Flows. Cash is the lifeblood of a business same applies to our personal lives, literally no cash - no buying power. Try to have promotions, do an extra hours or freelancing, sell something, and create more money machines.

Second, Budgeting. You will not believe every week someone will ask for cash advance from me. I realized that I'm not helping my colleagues by giving them their cash needs so I will teach them about financial budgeting. Live within your budget and don't live with credit cards budget.

Third, Keep your promise. Learn to pay on due time such as condo amortization , personal loans, utility bills etc. etc. It will help you avoid paying penalties.

Fourth, Keep investing. Discover other types of investment instruments aside from time deposit, paluagan and mlms. 

Fifth, Give and give. Give and you shall receive. Giving will be a part of your journey if you are the "Go to Person" of your family or friends for financial needs, it means you are a "Giver" and stepping into Financial Freedom status.

The truth, it's not only 5, there are more. Feel free to share your habits to reaching Financial Freedom.

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

P.S. Thank you for more than 10 000 downloads of  PAM PSE TRACKER: I will be launching another app for budgeting, keep in touch.

Wednesday, 18 November 2015

How to achieve Greatness in Life?

I'm inspired reading the book "The School of Greatness", by Lewis Howes which hits #3 in New York Times Bestseller lists.

I would like to share  8 focus and continual improvements to achieve Greatness in Life:

1. Create a Vision. You should create a vision of yourself, it's your map to your dreams and goals. Determining the place where you want to go. To be an entrepreneur, a great writer, a lawyer, a doctor etc. etc. Have a vision.

2. Turn adversity into advantage. No one will achieve greatness without facing adversity. I personally experienced the adversity when I worked as a dishwasher at a young age and maltreated by the Chef, now I'm a Chef and teaching others to become great on what they do.

3. Cultivate a Champion's Mindset. You are a champion. This is the mindset on how you should view yourself and the world. Greatness takes root on a mindset.

4. Develop a hustle. You will accomplish a goal but you should not stop hustling. When I started out in the stock market as a mentor I thought that I will not be able to succeed but everything paid off, https://www.y

5. Master your body. No one chooses the body they're born with but you can choose to build and maintain your health. Are you taking care of yourself?

6. Practice positive habits. Practice all over again. A positive habits can help you achieve the desired goals. I'm adding on my everyday activities a 3 mins gratitude declaration. What are the positive habits that you practice everyday?

7. Build a winning team. Success is a shared process. PAM Ana and Prof Leo are assets on PAM Academy team and I have a great team of developers especially for my upcoming app:

8. Be of service to others. Helping and giving back to others are best gifts we can give. Share your blessings to others.

Looking forward to your Greatness,

Jonathan I. Ruiz
Newbie Mentor 

Tuesday, 10 November 2015

How to identify undervalued stocks?

What if you can easily identify undervalued stocks?

What if you can trade with 1 million pesos and gain 10% in one trade?

Then probably you can retire and do full time trading and investing.

It's not an easy task, experience, time and effort will be a big contributing factors to develop this type of skills.

As a newbie investor and trader, there is a strategy that I would like to share with you:

First, Pick a mid- cap stock. In this example: TA , because there is a rollback on oil price again.

Second, Try to understand the Financial Statements and earnings on the current quarter:

In the figure above the earnings or operating revenue are 500 PHP  Million higher compared to last year's performance.

Third, Buy it at the 52 week low and sell once you are contented with gains.

This stock is on a pullback as of this writing 11/11/2015.

Fourth, Download PAM PSE TRACKER for easy monitoring of stocks:

Sincerely yours,

Jonathan Ruiz

P.S. For a special online course about PASSIVE INCOME, here is the link:

Monday, 2 November 2015

How to get the life that you really want?

I'm reading the book "The Miracle Mornings" by Hal Elrod, I want to share with you the main theme of it.

He said on the book not to limit ourselves and place unnecessary limitations on our lives. He recommends to wake up early in the morning and do S.A.V.E.R.S.

S - Silence. Sitting in silence, praying, meditating, and focusing on your breath, for 10 minutes everyday. The hectic schedule and chaos of our daily jobs took away the time to silence ourselves.

A - Affirmations. The power of affirmation is a reminder of who you are. Here is my own affirmation " I'm a great Father, Husband, Entrepreneur, Mentor, Best Selling Author, Best Finance Blogger, Money loves me, God loves me and Blessings will pour out where I'm standing."

V- Visualization. Visualize your dream and vision of your future. This idea taken from "The Secrets" book.

E - Exercise. Health is wealth. 30 mins walk or run a every morning will change the entire outlook of the day. You will feel energize and inspire to start the day.

R - Reading. Take time to read in the morning. You can get an idea and could motivate for the rest of your day that might change your future.

S- Scribing. Journaling part. You are the scriptwriter of your life. You need to journal the things that you are proud of and the commitments for your new lifestyle.

Excerpt From: Elrod, Hal. “The Miracle Morning: The Not-So-Obvious Secret Guaranteed to Transform Your Life (Before 8AM).

Sincerely yours,

Jonathan I Ruiz
P.S. Here is the link from my previous stock market webinar:

Saturday, 31 October 2015

Why I live below my means?

Live below your means is a famous advice of financial advisors but the problem is the application of this quote.

I learned to live below my means especially that I have a 7 months old baby daughter and my recent turnover of another condominium property.

I have 3 tips that will help you to live below your means without suffering from your lifestyle:

First, Buy with a special discounts. Toiletries such as colgate, shampoos, razor blades, and other food products. Buy those things with longer expiration and can be store for a long period of time in bulk with special discounts.

Second, Buy one take one. I bought a new shoe with additional slipper. It's not possible to avoid our wants in life, there is always a way to get it. Work extra hours or do a sideline business. I received a commissions from a previous sales and I used the money to buy a new shoes.

Third, Earn points and redeem it. Get all the loyalty cards and promotions. For example entertainer vouchers of eating 2 for 1 meal in your favorite restaurant, it can save a good amount. Bookstore loyalty card, after you bought a good numbers of book and earn points, you can now buy a book for free.

The main reason why we should live below our means is to prepare for our retirement and brighter future of our kids.

Sincerely yours,

Jonathan Ruiz
P.S. I will be holding an advanced online courses about stock market, real estate and blogging. Here is the link:

Thursday, 22 October 2015

10 Steps To Retire with Millions

Everyone is waiting for a retirement and wants to achieve financial freedom. There are many ways and pathways to do it, thru business, stocks, mutual funds, real estate, career, lotto, etc. etc.

I would like to share 10 steps that could be helpful in your journey to retirement:

1. Set a Goal. I named my academy with PAM - meaning P-lanning, A- ctions and M-indset. We need to plan for our future which is our GOAL. The goal is to hit millions in our retirement account. I set a goal that at the age of 50, I will be sitting in front of my beach house, teaching and travelling around the world.

2. Start saving. If you don't have 6 months emergency fund on your bank account then start today even with a small amount. It will lessen your worry, if stormy weather comes.

3. Get aggressive in Investing. After saving for the storms. Start building asset that could give you good amount of cashflows. Invest in rental properties and equity markets but have proper knowledge in the field.

4. Build a leisure fund. Don't suppress yourself with luxuries, there are things that you would not be able to do once you retire due to age issues. Reward yourself once you achieved the first 3 steps.

5. Build passive income. Do a sidelines during weekends and free time. Sell muffins, do an online business, make your hobbies an income generating activity, create a blog and share your knowledge. I'm venturing on  another app development, after the success of recent project for stock market:

6. Watch your spending. Monitoring the cash inflows and outflows are part of your journey to retire with millions. Cut those unnecessary expenses and create a budgeting technique.
7. Monitor your portfolio. Properly monitor the return of  your investments. Ask yourself whether the investment is giving a return or not. Don't jump with those MLM's that are promising 100% returns, study first.

8. Max out your options. Save and invest at least 20% of your income. Protect yourself thru health and life insurance especially if you are the breadwinner of the family.

9. Start a business. Once you have enough capital and experience then start opening a business. Be an entrepreneur.

10. Patience is a virtue. Prayers are answered with Yes, No and WAIT. You might be tired but don't give up. There is always a light at the end of the tunnel. Don't be hook in"Get Rich Quick Schemes".

Let's retire together with millions in our portfolio.

Sincerely yours,

P.S. I will be holding an advanced courses on STOCK MARKET, REAL ESTATE, AND BLOGGING. few slots left, here is the link:

Sunday, 18 October 2015

How to grow your Stock Market Knowledge?

Losing hard earned money in the stock market is not a myth. There is an inherent risks. There will be winners and losers, buyers and sellers, red and green, down and up, victories and failures, positive and negative and there is no neutral place no matter what, you will still lose in commissions and fees.

What are the strategy to grow your knowledge in the stock market?

1. Read books, blogs and newspapers. If you are planning to be a value investor and dreaming of becoming like Sir Warren, the Father of Value Investing then Intelligent Investor by Benjamin Graham is the first book to read.

Instead if you are planning to become a trader, Trading For A Living by George Soros is highly recommended.

Don't forget to be updated by reading newspapers for current events that could impact your chosen stocks.

Of course, continuously read this blog.

2. Attend seminars and webinars. Better to attend seminars and webinars especially those free to widen your knowledge but only listen to those who made it and showed results. You tube is very helpful, here is the link for Newbie Channel for free leasons:

3. Have a free demo account. Before jumping to unchartered waters, have a practice on free brokers demo account, it will help you understand the brokers platform and get a real experience before the actual trades.

4. Stock Market Tools. Trading apps like PAM PSE Tracker will be helpful in monitoring your stocks everywhere and will be helpful in calculations of potential gains and losses. Here is the link;

PSE Edge is also a useful site for companies disclosure and dividends and rights.

5. Facebook groups and chat rooms. Being member of different forums will be helpful to ask questions and find a mentor. There are many of them, few that I'm active PAMers, FFFF, Piso, Mt. Olympse, Tiktikan trading, TTP and Tsupitero.. Those are with very helpful admins and active members..

What about you? Do you have strategy to share?

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 
P.S. For free stock market webinar, submit for a free slot,  here is the link:

Thursday, 15 October 2015

Is it worth taking the risk?

The reality in life is that everything is risky. As the book failing forward by John Maxwell cited that if you want to avoid risk then don't do the following:
Don't ride in an automobile- they cause 20% of all fatal accidents.
Don't travel by air, rail, water- 16% of all accidents results from these activities.
Don't walk in the street- 15% of all accidents occur there.
Don't stay at home - 17% of accidents happen here.

There are no safe places or risk free activities.

How about investing in the stock market? Only 5% of investors are successful in this battlefield.

Are you one of them? Is it worth taking the risks?

My personal answer is "Yes".

The more you risk, the greater your chances of success. Here is my success story:

There are ways to calculate the risk in this field thru following 5 simple steps;
1. Study and learn the basics of investing.
2. Strictly follow your plans.
3. Know your investment objectives.
4. Know your risk appetite.
5. Don't be greedy.

I will elaborate the above steps in my upcoming free webinar. If you want to join, here is the link and get your slots, I already received 50 attendees so don't waste this great opportunity.

Sincerely yours,

Jonathan Ruiz
Newbie Mentor
P.S. If you are looking for a great app, here is the link;

Sunday, 11 October 2015

How to Prepare for a Long Term Wealth Plan?

Do you want to become rich?
How much you set aside for your retirement funds?
Do you establish your emergency funds?

I received a notification from my payout in Airbnb for my condominium for rent today;
4249.08 PHP

This property is part of my long term wealth plan, cash inflows will be deposited to my retirement funds. I don't want to rely on Social Security System, instead I want to build different passive income sources that will support my dream lifestyle.

If you read the book Rich Dad, Poor Dad by Robert Kiyosaki, getting out of the rat race should be part of your long term wealth plan. The way out of this rat-race is to invest wisely into other cash producing vehicles that are not connected to your time. You must learn to make money work for you, rather than the other way around.

There are pathways to prepare for a long term wealth plan:
  1. The power of compounding interest. Invest a small amount of your income or at least 20% into an investment that could give a potential return of 12% every year. If you invest 100 000 PHP today, after 20 years it will be equivalent to 964, 629.31 PHP.
     2.  Invest for long term. The task is to invest for long term and grow your money thru an             investment vehicle that will give a good amount of interest rates. For those that have             n’t started yet in the stock market, then start with mutual fund: 

     3. Start a business. Starting a business is not an easy task, if you will ask an OFW that              what he wants to do at the time of retirement, 95% will answer “I will start my own                  business”. If you are one of those that wants to start a business then start building                  experience on your business plan. Keep accumulating experience and reap the benefits later.
     4. Real Estate. This type of investment are not for everyone. You need to commit                      yourself and check your financial capabilities before you jump into a condominium or              properties for sale. Try to understand the real estate market and make a research of              developer's project. Location, location is the key on this investment.

Feel Free to Share your Long Term Wealth Plan.

Sincerely yours,

Jonathan Ruiz
P.S. I will be holding a free webinar for my launching of book, if you want to attend, send an email to   : 

Saturday, 10 October 2015

Success Formula

I believed that everyone wants to be successful and accomplished dreams. We work hard because of our motivations and reasons. We defined our success and creates a pathway to achieve it. You graduated from a Master's degree, passed the board exam, started a business, got married to your first love etc..etc..

I would like to share with you the Great Reid's Success Equation;

P + T + (AxA) + F = SUCCESS

P= Passion .This is the thing that you love to do and do it even without pay. It could be photography, cooking, speaking, writing, etc. etc.

T= Talents. The innate skills that you possess. Develop your skills and be the best in the industry. In my case, my talent on Mid- Term Trading and earning at least 10% every week. I bought AGI the other day and now having more than 7% gains.

A1= Actions. The responsibility to take actions that will lead to success. In my case, studying fundamental and technical analysis.

A2= Association. This is your mastermind group and your support system. Be with other friends with same mindset .

F= Faith. You need to have faith and believe that you can be successful.

I would like you to apply the success equation in your current status and reflect this weekend.

What are you passionate about? Do you have the talents? What actions need to take ? Who do you want to be with on the ladder of success? Have faith.

Sincerely yours,

P.S. For monitoring your stocks everywhere, here is an application in Google play:

Thursday, 8 October 2015

Investing Mistakes Can Be Costly

"Invest only the Excess Money on the Stock Market". Financial Advisor

You consider yourself value investor and for long term, you believe that the chosen stock can give high returns and potential 100% earnings in the future. The truth, it could be on the other way around.

Committing mistakes on this battlefield can be costly especially the extra money will be alloted to future retirement or educational fund of your kids. Why do newbie investors keep making mistakes over and over again.


Because newbie buy blu chips at a high price.

Blu chips stock are not a guarantee that you are not going to suffer from losses, if you buy at it's high then you can be "IPIT" for a long time and keep averaging to lessen the percentage loss. A good example URC hit as high as 234 then as of today at 194, What is a better price at 167 or 200 price?

Because newbie follows facebook forum gurus.

Buy FNI, it will soon rebounce then everybody entered at 2 PHP hoping that FOO will materialize at a higher price. FNI price as of today is 0.91, probably many newbies losing at least 50% because of the hype of gurus.

Because newbie loves trading.

The ticker makes you excited and keep pushing you to trade. It does n't mean that you should jump even without enough knowledge in technical analysis. Newbie should love their capital so they will not lose it.

"Invest only the Passive Income in the Stock Market and Grow It."- Newbie Mentor

P.S. If you are looking for a great app in the stock market, here is the link:

Tuesday, 6 October 2015

How to achieve a Financially Free Lifestyle?

Everyone wants to be Financially Free. 99% of OFWs reason of leaving the country is "Financial Problem" or they are looking for a land of milk and honey. We want to achieve financial freedom and live a free lifestyle at the time of retirement. This journey to be financially free is a rocky road, it will take time, effort and hardwork.

3 Simple Steps to be Financially Free:

First, Plan for your life at the time of retirement.
Build emergency funds, save and invest in mutual funds and stock market, diversify your investment and take the power of compounding into heart. This steps will take time and probably 10 - 25 years or even more. The key on this strategy is to start early.

Alfonso's MF result

Second, Take a calculated risk on business ventures. 

Create and build a business that will support your free lifestyle. The truth, it's not easy to take the risks on starting a business, most of start up companies failed in the first year of the business. 90 % of start up companies failed in year 2014. You can be a big time businessman if you got right recipes like the Lugaw Queen, Papaya Soap, Chicharon, etc. etc.

Third, Invest on Passive Income and Keep the Cash coming.

The challenging part after earning from the business is to maintain the momentum and continue to grow your money thru investing passively. Cashflows should be monitored properly and keep investing on your portfolios. Read this link .

What about you?

Feel free to share your strategy to achieve a financially free lifestyle?

Sincerely yours,

Jonathan Ruiz
P.S. I will be launching my new book, keep in touch on this blog and post your comments on this blog;

Monday, 5 October 2015

How to avoid losing from buying stocks too early?

I bought AGI the other week with the feeling that touch down the bottom price but I was wrong, it went down again today by 0.62%. The index recover 1.63 percentage gains closed at 6,961.93, showed a strength as of today's movement. If you are able to pick at the bottom last week probably you will have at least 5% gains from Bloom, PLC, MCP, TA and MBT.

How to avoid losing from stocks?

First, Learn both fundamental and technical analysis. 

Fundamental analysis is the cornerstone of investing. At least, you should know how to determine the fair value of stocks or the possible target price. Terms such as Dividend Yields, PE Ratio and Fair value should be part of your vocabulary and  you will be able to calculate it yourself.

Technical analysis will help you understand the historical patterns and predict the possible directions of the stock. Choose a method such as Japanese candlesticks, harmonic patterns, Elliot Wave, PAM strategy ( etc..etc.

Second, Don't follow the Gurus, Follow your instinct.

After learning the fundamental and technical analysis, it's time to evaluate the graphs and charts and recommendation of all financial gurus and mentors in the battlefield. If you are going to press the buy and sell button, clear your head  and  take responsibility of the action. You will shoulder the gains and give credit to yourself instead of shoulder the loss and credit to financial guru.

Third, Set the Entry and Exit Point.

Whether you are into trading or investing, entry and exit point will determine your paper gains and losses. You should buy at the good entry point after calculating the possible lowest support and sell at the highest resistance (Technical). Buy at the undervalued price and sell at the FV price(Fundamental).

How about you?

Feel free to share your strategy on how to avoid losing from stocks.

Sincerely yours,

Jonathan I. Ruiz
P.S. I will be launching a new book, I hope to get your support. Kindly comment on this blog what you want me to include on the book;

Saturday, 26 September 2015

Do you think Money can Buy Happiness?

Money can't buy happiness is a famous definition of money. Let's try to dig deeper and check if money can buy happiness. 

There are few reasons that I would like to share with you why money can buy happiness:

1. Freedom lifestyle. The ability of ordinary labourers to buy more goods and afford quality sevices are limited to the amount of paycheck. The less you earn, the less chance of choosing better products and services. The more you earn, the more chances of providing the needs and wants of your family. You have more freedom to choose the lifestyle.

2. Money can buy experiences. Traveling around the world, eating at expensive restaurants, driving a Ferrari, sitting down on your couch all day are possible only if you have enough money that can buy those leisures and experiences.

3. Money as a tool to give back for others. Warren Buffet, Mark Zuckerberg, Bill Gates, Oprah Winfrey and Richard Branson to name a few of those Philanthropist that supporting different charitable institutions. Money can alleviate poverty and can help those in need. You can make others happy by helping them monetarily.

Money is only a tool for happiness, eliminate your financial stress and can give you stability. Value your money.

Have a happy Sunday.

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 
P.S. If you need an app in the stock market, here is the link;

Wednesday, 23 September 2015

Why newbies keep making mistakes?

Did you buy or sell your stock last week?
Did you prepare a buying power?
Did you make a mistakes in picking the right stocks?

Nobody knows when is the bottom and when is the right time to sell. If you are newbie in the stock market with a bleeding portfolio, no need to worry it's part of the journey to financial freedom.

Why you keep making mistakes? There are 3 main reasons.

1. No investment objective. You don't really know why you entered in the stock market. You don't know if you are an investor or a trader. You don't have a timeline for your stocks.

2. Not part of PAM. Planning, Actions and Mindset. You should have your own PAMpayamang strategy. You should Plan, Take Actions and have a positive  Mindset.

3. You follow Gurus not Mentors. The growing numbers of forum and newbie gurus causes many newbies to have a red portfolios. Following every advise will give them 50% gains instead -50% loss. There is no gurus only "You".

Feel free to share your newbie mistakes so others can learn.

Sincerely yours,

Jonathan Ruiz
P.S. Stay tune for my next book:

Tuesday, 22 September 2015

Where are you today financially?

I keep reading books, attending webinars and studying fundamental and technical analysis, so I will be able to share financial education with my blog readers.

I would like you to evaluate, where you are today as an investor?

Investor Level 1 
Check your asset and liabilities. Get the difference to understand your net worth. The first level will show if you have assets or investments or more liabilities such as bad debts, personal loans, credit card debts. At end of month, paycheck will not be enough to cover expenses then you start on this level. Get out of debt and build your net worth.

Investor Level 2
This level will show how much you save on your bank account. In this level you haven't started investing but only saving because lack of financial education. You are a saver but not an investor. Start investing.

Investor Level 3
You started investing on stocks, bonds, uitf, mutual funds etc. etc. on this level, financial managers handle your investments. Started learning financial education about paper assets but when stock market declined, your capital start to wipe out.

Investor Level 4
On this level, you are financially educated, you control of your investments. The fear of investing does not frighten you. You keep learning from opportunities and mistakes. You started to diversify from paper assets to real estate.

Investor Level 5
Capitalist falls on this level. You own businesses. Risk is not an issue anymore. You are well diversified in different asset classes. You are sharing your learning. You are helping out the poor and giving to charities. You teach others.

Feel free to share to your friends where you are today?

If you are looking for an academy that will guide you for free and premium, here is the link:

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

Saturday, 19 September 2015

How to work productively?

Distractions are main cause of productivity problems. You did not meet the report deadlines because of a colleague that asked you for help. You are late in your appointment because you did not hear the alarm clock. 
We are living in a world of distractions.

Here are few steps to be productive:

1. Time management. We live in 24 hours, 1440 mins, 86400 secs in a day. Are you maximizing your time? Do you have a schedule to follow? Be discipline and manage your time wisely or else you will run out of time and realize that you are left behind.

2. Avoid too much selfie moments. If you are spending your time in social media every 30 mins and keep updating your Facebook status then it's time to avoid selfie moments that keeps you from being productive except you have a business online.

3. Say "No". When I was in Norway, one of the hobbies during Sunday is playing bingo, at first I got hooked but later I realized I spent too much of my time wasting so I learned to say No. 

4. Meetings, emails and mobile phone. In a week, the minimum set up meetings that I need to attend are 10 - 15, I spend 15-30 mins to each of them and usually I set them in the morning. Turn off email notifications on your mobile, check emails twice a day not every minute. 

5. Work smart not work hard. Learn to finish those small important tasks then set aside time to those that are not urgent tasks later in the day. 

Reflect on your productivity level. Do you have a productivity strategy? Feel free to share.

Tuesday, 15 September 2015

COLing the Shots Review during the Market Correction

During the market selloff 2 weeks ago probably you are still on a red territory in your stocks portfolio. As Coling the shots portfolio of COL still on a buy recommendations, is it really okay to buy and accumulate while losing from the price movement?

FGEN gained 7% today from yesterday's closing at 21.30, actually it was on my watchlist as I believed that the company's fundamental looks attractive at the current price. The stock price is undervalued. As per checking of Dividends history, generously distributed dividends for year 2015.

MEG market price at 4.4 is at buy price level but I will wait below 4.20 to accumulate.

CEB still a favourite stock in Airline industry as the oil continuously slide in the world market. Indeed a buy recommendation. Recently, distribute regular and special dividends of 1.5 cash dividends in August 2015.

AC market price movement on sideways, fundamental still intact. Consistent dividends distribution and expansion plans. Buy recommendation below 720 level.

ALI - Hold recommendation.

BDO - Hold recommendation.

SMPH - Buy recommendation at below 20 price.

I would like you to check those companies on the list with the following criteria:

1. Fair Value - should be undervalued under NPV and DCF Method.
2. Dividends Payment consistently.
3. Management Plan for Expansion.
4. Industry average  PE ratio.
5. Average Stock Price should be less than 20% at current price.

I hope you are learning a lot from this blog. If you are looking for a great app in the stock market, here is the link;

Sincerely yours,

Jonathan Ruiz

Sunday, 13 September 2015

Different Pathways to Million PHP

I attended a meeting yesterday with investors. I notice their simplicity, they wear t-shirts and jeans, they don't have the latest iPhones instead blackberry and we ordered lunch and most of them ate salads. They are silent investors, finance million dirham projects and wait until they get back their investments.

They invest passively. I'm amazed how deep their knowledge in finance and business. They have millions but each individual is unique. One works with the bank as an investment banker, the other one deals with the government contracts, and a young professional works as a General Manager of hotel. They are experts in their fields.

I realized that I'm investing passively and probably I will reach at their age with the same knowledge and capital. I keep questioning myself, if I'm doing it right. I'm taking small steps at a time.

3 Pathways to Million PHP;

1. Real estate investing. This involves financial forecasting on how much is possible rental monthly or ROI of the property. It needs high amount of capital and understanding of real estate business. It will give you a good amount of cash, if you invest wisely.

2. Stock Market. This is one of the riskiest investment available but I believed if you study and commit time to learn, you will lessen the risks.
Did you save  a buying power in this time of continuous market opportunities? Link : 

3. Online Business. Use the power of internet. Everything is possible. You might be the next "Mark Zuckerberg". I keep venturing on the development of applications in Google android: . This application started giving a good amount of passive income monthly.

131,144.97 PHP
How about you?

Feel free to share your pathway to Millions Php.

Happy Sunday.

Sincerely yours,

Jonathan I. Ruiz

P.S. I need your support for my upcoming book. Keep in touch.

Tuesday, 8 September 2015

Avoid the Common Financial Planner Advise

Did you receive an invitation from a friend for financial literacy seminar for free? After the seminar they recruit for a MLM or financial products, usual marketing techniques. There are common financial planner advise that will not make you rich or  will make them rich thru their commissions.

Here are common advise;
1. Work hard.
2. Live below your means.
3. Save money.
4. Invest in mutual funds.
5. Diversify.

I agree on the list above that it could give a comfortable life but I'm giving you  newbie mentor advise;
1. Work smart.
2. Create money machines.
3. Make money.
4. Invest on stock.
5. Build businesses.

First, Financial planner advise to work hard, work overtime and do extras. My advise is to work smart, be productive and deliver results in a short possible time.

Second, Live below your means, I agree on this because you could not live above your means working paycheck from paycheck, better to create money machines and reap more money later.

Third, Save money. Saving will be limited only on the excess amount your expenses less in paycheck. I recommend to make money "HOW" there are many ways especially online businesses are possible for small amount of money. How-to-create-another-source-of-passive.

Fourth, Invest on stocks instead of mutual funds. Learn and challenge yourself. Save yourself from fees and commissions. Spend less time on Facebook and more time on reading books. Watch my you tube channel

Fifth Diversify, it is applicable on handling stocks portfolio. Better to focus on a specific investment before moving to a new one. You can build a business in line with your passions. I'm developing a new applications on Google and iOS as great as PAM PSE TRACKER.

Feel free to share the newbie mentor advise.

Sincerely yours,

Jonathan I. Ruiz

P.S. If you are looking for great app in the stock market, download here:

Sunday, 6 September 2015

5 Most Common Mistakes of Pinoy OFWs

I travelled around different cities and lived in 5 different countries in the last 8 years, from Rome, London, Norway, Singapore and UAE. I met Pinoy OFWs abroad, I heard stories of hardship and sacrifice.

If you are thinking of leaving our country and working abroad, I would like you to avoid 5 common mistakes;

1. Personal Loans - most OFWs are not prepared and  they don't plan for financial sacrifices. They will ask for loans and make their house a collateral. They will work for at least 2 years to pay back their loans.

2. "Land of Milk and Honey". - they believe that going abroad is the only way to get out of poverty. They don't know that it's not easy to find a job and most of the time they could not practice their professions, end up disappointed working as a cleaner.

3. Provide more than they could afford. They will work day and night because they need to provide for their families and neighbors. Sometimes, they will skip their own meals to save and remit more money back home.

4. Few OFWs save and invest. At the time they start earning they thinking of building their dream house instead of building their assets that could help them retire.

5. Facebook Post. We love to show our travels and good places thru Facebook photos but behind it there are sweats and tears."Huwag umuwi na ang bitbit Lang ay Facebook Photos", dapat may Ipon at hindi lang IPhone". Or else you will keep working even at the time of old age.

Feel Free To Share your Mistakes so others will learn and avoid it.

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

Thursday, 3 September 2015

What is your Safest Investments?

Variety of options in choosing investments or financial instruments. You can be confuse whether real estates, stocks, bonds, mutual funds, business ventures etc. etc. All of these choices can either help you achieve financial freedom or make you broke.

The number of victims by financial fraudsters and MLM recruiters keep increasing and companies went bankrupt and ran with investors money. I wonder, if there are still any available safest investments. 

I would like to share with you my personal strategy of building safest investments, though readers of this blog knew that I'm investing on stocks, mutual funds, vul and real estate, there are other important investments than financial investment.

First, Experience and Education."Invest on yourself first ". I'm investing on myself thru experience (moving from industry to industry with different positions, from a dishwasher to Financial Controller and Entrepreneur). Experience will be your best teacher. Another strategy to broaden your knowledge is thru reading books about successful individuals and attending seminars in your field of interests.

Education, there are many entrepreneurs that college drop outs like Steve Jobs, Richard Branson, Mark Zuckerberg  and many more, it does n't mean that your education will not help you achieve your dreams but it will contribute a lot. If you are starting out and trying to get on the top of corporate ladder, education will give you an advantage and high amount of paycheck.

Second, Relationship. Building a great relationships with others. Social media are giving you opportunity to connect with old friends and having new friends. Building friendships can give you opportunities to build business partnerships.

A good example is PAM Academy, Prof Leo and PAM Analyst are members of different finance forums, I approached them to be part of the growing community and help each other to build an online learning platform

Third, Family. Wherever you go and wherever you are, whatever you achieved, your "FAMILY" should be part of your safest investment. You should help them in times of need. You should leave this world with a lasting legacy and impart your learning to your children.

Feel free to share your safest investments.

Have a great day.

Sincerely yours,

Jonathan I. Ruiz

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