Tuesday, 31 March 2015

How to Earn from Dividends??

A dividend is a distribution of a portion of a company's earnings, decided by the board of directors, to a class of its shareholders. Dividends can be issued as cash payments, as shares of stock, or other property. (Heto yung kinita ng kompanya na gusto ibigay ng board ang ibang part nito sa mga shareholders para maging masaya sila at makuha ang returns).

Remember the 3 Important Dates:

Date of Declaration - the time the company announced that shareholders will received the dividends, usually happens at annual stockholders meeting. (Check Dividends and Rights Tab of PAM PSE Tracker).

Ex Date - if you want to receive the dividends, you should hold the stock at the day before Ex-date. In the example above, for you to be entitled for dividends , you should have it on your portfolio on March 30, 2015.(Kailangan hawak mo na sya bago pa ang Ex Date na March 31).

Questions: Can I still receive the dividends if I buy and sell the stock on March 31?  No.

                  Is a stock usually goes down on the ex date? Not really, Bloom is a good example that maintain the price on the ex date. On the other hand, PSPC suffered from selling pressure on the ex date and went down by 10%. The impact of dividends declaration on Bloom has a minimal impact compared to PSPC.

Payment Date - Happy Day. The time dividends will reflect on your portfolio, brokers usually send an email to those stockholders entitled once payment is made.(sometimes late payment due to clearing process).

How to play with Dividends?

First, 2 weeks before the ex date, watch the  movement of stock and buy at the possible bottom price.

A good example is Bloom:

Second, If you want to sell on the ex date, then you have a pretty good amount of gains. (I will share different scenario on Newbie Intensive Trading Course)

On this example dividends calculated as  40000 sh  x .05 =  2000 pesos . 

Total Gains  = 20 067.40 pesos 

Sincerely yours,

Jonathan I. Ruiz

P.S. FOR MORE EXAMPLES, PLEASE ENROLL FOR NEWBIE INTENSIVE TRADING COURSE !! CLICK THIS LINK  http://www.newbie.ph/2015/03/newbies-intensive-trading-course.html .

Wednesday, 25 March 2015

5 Reasons Why you cannot Retire Early??

Most of people that I met in my travel, they are dreaming of retiring early and dream to do the things they loved like spend more time with families and friends, travelling around the world, enjoy movies and concerts,building their own businesses.

How about you? How much money do you need monthly to retire early? 

Most of advice from our parents when we are young. Study,get a degree,work in a corporate world,get married,buy a house and a car,save money on the bank,raise your kids and retire after 25 years.

What about changing the path?

Study, get a degree, travel and build experience on the streets, start your own business, marry your first love, create a passive income, invest on financial instruments and build a retirement account, prepare for your kids education, enjoy life and retire early after 10 years.

There are reasons why you cannot retire early and I would like to lay out few of those reasons that holding you back.

First, you cannot retire early because you only have one source of income which is your current employment. Afraid to start your own business even you have the capital.

Second, you forgot to build savings and investments and does n't have a pension fund for your retirement.

Third, your cost of living is too high and your paycheck is not enough to cover your lifestyle. Mortgages and credit card bills are piling. You continuously building liabilities instead of accumulating income generating assets.

Fourth, you are not committed to your retirement plan and depending only on a government pension plan. SSS pension will not be enough to cover your monthly expenses 25 years from now due to inflation rates.

Fifth, "Bahala Na Attitude", It's ok not to prepare for it "I'm still young so I can spend money for concert like 1 D concert. If you have this mentalitly, I guarantee to see you at the age of 70 still working to support the needs of your family and yourself.

Plan for your retirment.

Feel free to share your preparation plans for early retirement.

Sincerely yours,

Jonathan I. Ruiz

P.S. The enrollment for 2 day intensive course is now open. Here is the link for the procedure:

For those that will not be able to attend there will be a recording of webinar.

Saturday, 21 March 2015


I created a 2 days Intensive Trading Course for Newbies in the field of stock market to protect themselves from hypers and bashers. This course is tailored to those who wants to learn the "Art of Trading", lessons will be delivered ONLINE . This is a course design for serious newbies that are willing to take the challenge and put an effort to achieve financial freedom thru trading.

What are the lessons to expect?

When?   May 1 and May 8 , 2015, Friday

Time: 7:00 to 9:00 PM, MANILA TIME

How much is the investment fee?


How to PAY?

Remittance or Deposit to the Newbie Mentor Bank Account:

After the payment is made: Send Scan Copy to athanruiz@gmail.com

Registration Link will be send to your EMAIL.


P.S. Any electronic devices such as iPhone,Smartphone,iPad, Desktop are required and strong internet connection.

Wednesday, 18 March 2015

The Winning Fundamental Analysis

Everyone wants to be a master fundamentalist or at least understand how to analyze a stock. I know you have a burning desire to learn this concept as fundamental analysis is the cornerstone of investing.

What are you waiting for???

I will be conducting a Free Webinar this coming Sunday and IT'S TOTALLY FREE!!!!


CLICK THIS LINK AND SIGN UP: http://eepurl.com/bhn-0z 

Sincerely yours,

Jonathan I. Ruiz

P.S. Please don't sign up if you are already more than 2 years in the market. This is for hardworking  NEWBIES only. I will be launching a course for the advance later this month.

Tuesday, 17 March 2015

Create your Freedom Lifestyle!!!

I would like to ask you an important question:
Do you have the Freedom?
Are you stocked with a job that you don't love?
Is your paycheck enough to cover the expensive vacation, branded clothes,  or any other luxuries that you dream of?

3 Definition OF FREEDOM:

Freedom is doing the job that you love.
I'm teaching, trading, developing, creating passive income.
As a Newbie Mentor, I'm teaching everyday thru my books, blogs and PAM Academy . 
I continuously developing a Google Apps like the PAM PSE Trackerhttps://play.google.com/store/apps/details?id=com.athanruiz.pam .
Creating passive income thru different projects like Google Ads, in track with my goals(just received another payment the other day).

For trading part, I can see a reversal sign on my stock picked last week.(I'll post the result after 2 weeks).

Freedom is making Money in a Meaningful Way.
When I published my first book in Amazon, "Ang Biyahe ni Juan " SAKAY NA!, the proceeds donated for a cause.

When I launched the PAM PSE tracker, it is not only a paid version but there is a free feautures for those that cannot afford.

The Newbie Lessons Program is now free on You Tube Newbie Channel. Here is the link and subscribe: https://www.youtube.com/watch?v=VYfLOXC5xcc  
I learned to give so I can received more.

Freedom is the way you want it.

I want more time spent with my family. 
I want to continue travelling and learning. Here is a compilation of my travel in the world during business school (https://www.youtube.com/watch?v=KztPUcQzqC4 )

How about you? Are you creating the Freedom Lifestyle?

Life is short, Create Freedom For Yourself.

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

P.S. My examples are not to brag about myself but to inspire those willing to achieve a Freedom Lifestyle. I'll be sharing with you in the upcoming days on how to create a passive income on blogging.

Ang Aral ng Stock Market

Sa bawat click ng buy at sell button sa stock market ay may aral na kailangan gamitin sa araw araw na buhay. Ikaw ang pipili at gagawa ng desisyon upang magtagumpay sa iba't ibang larangan nais mo pasukin. Kailangan mong bigyan ng pansin ang bawat desisyon sapagkat makapagdudulot ito ng magandang bukas para sayo at sa iyong pamilya.

Unang Aral, Ikaw ay buyer at seller, bumibili ka at nagbebenta ng stock.
Pupunta ka sa palengke tuwing umaga upang bumili ng ulam na lulutuin mo sa hapunan. Ang nais mo lang ay makabili ng sariwang isda at mailuto para sayong asawa na pagod sa trabaho at sa mga anak na galing sa eskuwela. Kaya dapat bilang buyer, piliin mo ang sariwa at masustansyang pagkain.

Ikaw ay seller din, naalala mo pa ba yung second hand na tv, cellphone na outdated na, yung branded na bag na nabili mo? lahat yun nabenta mo na di ba?

Ikalawang Aral, Gains or loss.
Pagbumili ka ng stock, red agad ksi may fees na kailangan bayaran. Nagloss ka na agad-agad, kaya nga dapat tama ang pinili mong stock kasi naniniwala ka na bukas makalawa ay gains na ito.

Sa buhay may gains at loss, sa bawat challenges mo na hinaharap, pwedeng hindi mo maipasa ang board exam, hindi makuha ang promotions na hinihintay, ang negosyo na hindi naging matagumpay, at ang panloloko ng mga investment scams.

Ano naman ang Gains dun? Yung bawat aral sa experiences mo na nagkamali ka kasi hindi muna uulitin ito.Ayaw muna ulit maloss.

Ikatlong Aral, Pagkakaroon ng KAIBIGAN.
Paano naman nagkaroon ng kaibigan, eh di ba lahat ay kaaway mo pagnagbebenta ka ng stock kasi nga gusto mo mas malaki ang kita mo kaysa sa kanila?
Ang KAIBIGAN na binabanggit ko  ay yung mga taong nagbibigay sayo ng tamang payo, ang bawat forums na kasama mo sa pagaanalyze ng stock. Ang kaaway mo ay hindi yung seller ng stocks, yung hyper at bashers maaring sila ang kaaway mo.

Ang Iyong Kaibigan,

Jonathan Ruiz
Newbie Mentor

P.S. Ang daming nagtatanong tungkol sa passive income at sa trading style ko, nais ko sanang malaman kung magiging interesado ka ba sa intensive trading course na gagawin ko in the future. Kung interested ka maari mo bang sagutin ang survey sa link na ito https://www.surveymonkey.com/s/V7RRPQ8

Saturday, 14 March 2015


I'm not going to give the definition of active and passive income because financial bloggers discussed it many times.What I would like to do is to share my results and real life transactions.

If you followed this blog, you knew my story and there is no need for me to repeat all over again. I have this dream to become the King of Passive Income and a blueprint of an entrepreneur that earning while sleeping. (Don't worry hindi ako magpapamaypay ng Cash o Magpapakita ng Magandang Sasakyan).

I believed in "You Reap What You Sow".

4 different sources thru ads, rental income, sales commission and stock market trading:

Blogging Ads / App :

Exchange Rate 5.40 pesos per 1 Nok

Total 1726.26 NOK = 9332.10

Condo Rental

Exchange Rate USD 44.36 pesos per 1 $

Total 496 $  = 22 005.18

Sales Commission

Total 19 562.00 pesos

Stock Market

Blogging Ads   =       9332.10
Rental Income =     22 005.18
Sales Comm    =     19 562.00
Stock Market  =    206 660.00

Total Passive Income  =  257 559.26

For purposes of privacy, there are other passive income sources that I did not disclose because I was n't able to recover the invested capital yet but on track with my goals.

How about you?

Feel free to share your sources of Passive Income. 

Sincerely yours,

Jonathan I. Ruiz
King of Passive Income

P.S. There are other transactions in my trading account that was not included on this disclosure. There is no MLM on my passive income portfolio. The time span of transactions was 4 months. PAM PSE Tracker App earnings not included on the list, if you have extras please do upgrade, here is the link https://play.google.com/store/apps/details?id=com.athanruiz.pam  .

Wednesday, 11 March 2015

300K turned 4 Million Pesos

If you are newbie in investing field and wondering which financial instrument to pick,then mutual funds will be a great choice. You don’t need to worry about managing your portfolio because professional fund managers will take charge of making your money grow. A service charge or fee will be deducted from your investment.


How do Mutual Fund Works?

Can you make millions in Mutual Fund investment?
An inspiration to every investor, the Mutual Fund king, Alfonso Gonzales turned 300k into more than 4 Million Pesos:

As per my conversation, it hits 4.18 million from Friday closing 6/03/2015.

For Mutual Funds Performance updates:

Again, past performance does not guarantee the future.

Sincerely yours,

Jonathan I. Ruiz

P.S. Thank you Sir Alfonso for being an inspiration to everyone.

For those trading in the stock market, you might want to learn in the academy. Click this word Trading Gains .

Tuesday, 10 March 2015

How to back up your Stocks Portfolio?

Fastest and reliable service needed at times of trading hours. If you don't want to be IPIT or suffered from slow signal then you might really want to transfer your accounts to other brokers.

For those Newbies, I recommend to open with FMS or First Metro Sec, because they have the lowest broker fees.

The question is how to back up your Stocks Portfolio?

Of course, PAM Rich Friends on the GO, Just download the PAM PSE Tracker for easy monitoring and real time data and news. Click this link : https://play.google.com/store/apps/details?id=com.athanruiz.pam

This feature is only available for premium user.

First, search your stock position:

Click the Button : Add to Portfolio and Add to Watchlist.

Second, Set your shares and Buy Price as well as Target Price:

Third, Go to Your Portfolio Tab:

Now, you are able to copy your stocks position. No need to worry logging in to your account. This method avoid the temptation to buy and sell, it will help you stick to your plans.

There will be new app that will be launch with the alert notification once you hit the target price.(ABANGAN PSE ALERT).

Additional Benefits using the Premium Features are the Market News:

Technical Charting:

Feel safe and secure with your back up of stock portfolio anywhere you go thru the PAM PSE Tracker .

Sincerely yours,

Jonathan I. Ruiz

P.S. The app is only available at Google Play, here is the link https://play.google.com/store/apps/details?id=com.athanruiz.pam .

Friday, 6 March 2015

180k Emgoldex vs 200k Exit Gains Stock Market

Emgoldex is the famous online store of gold bars where you can buy and sell. It was established in Munich, Germany in year 2008. It already spreading worldwide and some countries banned this company.

One of their biggest way to encourage investors is thru the increased value of Gold of 600%  in the past years and decades. Addition to that is their Emgoldex Marketing Program, that you could earn as much as 360 000 pesos once completed the requirements, 36 500 php pre-payment for 15 gr of gold bar and online account, and the referral program.

Recruit 8 new members to join in the program, the Level 1 available position will be filled. The new members will do the same and recruit. You will received exit gains of 180k as a bonus reward.

Once you completed the level 1 then you moved to the next table of orders, in this case all the recruited members in your first level will work for you and complete their Level 1. If all the 8 members completed the cycle then you move to level 4 there will be an additional 180k. This will happen in the duration of 3-6 months as their promise that they will help you.

This is the most attractive part of the presentation.

If you cannot avail to invest 36500 php, they made a promo of
A promise of more than 500% gains.

SEC issues warning for Emgoldex. This is very clear that you don't invest if there is no registration in your country. No proper registration. High yield returns without working hard. Greed is the main reason why Pinoys fall on this type of investment because they want to achieve financial freedom thru shortcut and greed flows in their blood.

The requirements for an investment SCAM completed by EMGOLDEX.

Please don't hook by this type of investment. If you really want to trade gold then go to commodities market and do it yourself.

I like this comment by  Randell Tiongson , No Non Sense Personal Finance Author,

I do agree with him, most of the Pinoys scared investing in the financial instruments because of high risks especially in the stock market. I would like to show you my Exit Gains in the Stock Market to inspire and divert your attention to investing:
MAX Gains

Bloom Gains 

Cosco Gains

PX Gains

Total Gains of =  206, 660 PHP

Stock Market is risky, but there are many investing and trading system to apply. How about you? Do you have a trading or investing techniques?

Feel Free to share.

Sincerely yours,

Jonathan Ruiz

P.S. If you want to join a mastermind group in the stock market, Click this word Financial Freedom .
Newbie Mentor moved to UAE, I'll be going around Al Ain, Abu Dhabi, Dubai etc. etc. to teach Financial Literacy for FREEEEE!!! First stop is tonight Al Ain, UAE.

Wednesday, 4 March 2015

Secrets of Self Made Millionaires

I know, the question in your mind is "How to be a Self Made Millionaire??Is it thru a lottery ticket? Marrying someone that is already rich? Is it joining MLM Companies?Is it thru opening a business start up? Is it thru the stock market?

Whatever route you choose, you should learn the secrets by many successful individuals and entrepreneurs. Here is my findings of the secrets to self made millionaires journey, together let's apply the secrets to our lives.

First, Decide to be a Millionaire. No brainer explanation. The first you need to do is make a decision that you want to be a millionaire but be specific whether you want 1 million or 50 million net worth. I decided to have at least 100 million in 10 years time.

Second, Set a Target. After you made the decision setting the target amount and dates are very important. Dream with a Deadline as per Napoleon Hill, so in my example my deadline will be year 2025.

Third, Work your ASS OFF(Sorry for my words). Of course, you need to commit yourself and start working hard on your career or business ideas. Everything will start as a small and it will take time for you to earn the hardships in the past years. I deserved to be nominated (Ang byahe ni Juan , SAKAY NA!)and be with other authors in the Angat Pilipinas Coalition because I worked my ass off to complete the book and published in Amazon. If you want the book click this word Sakay Na!

Fourth , Surround yourself with millionaire friends. Join a mastermind group. This is one reason, I founded PAM Academy. Join us in our journey to financial freedom. Click this link www.pamacademy.net .

Fifth, Shift focus from spending to investing. If you are already investing at least 20% of your income then CONGRATULATIONS. Keep investing.

Let's join together to achieve financial freedom.

Sincerely yours,

Jonathan Ruiz

P.S. Newbie Lesson P2 is now available you tube 

Monday, 2 March 2015

How to buy a stock at a bottom price???

I would like to answer the famous question "How to buy a stock at a bottom price???
As a technical trader, you should create your own trading system thru Japanese Candlesticks, Ichi Moku, Indicators etc..etc... As a Newbie Mentor, I'll give you the most simple system that I used, then judge if this is possible to copy. I don't recommend this if you don't have time to monitor the stocks during the trading hours.

First, The graph should show a long green candle after a break up on the resistance line.
The resistance at 8.80 broke up and start to move sideways on the next 3 trading days, then a long green body of candlestick confirmed the bullish uptrend.

Second, A confirmation of an indicator is needed before buying the stock. MACD will be one of the simplest indicator that we could use. Crossover of fast and slow moving average is to be consider.

Third, DMI or Directional Movement of the Index, it will tells you if the index is trending or not. As a substitute RSI and Stochastic can be added.

The result of picking at the possible bottom price.KABOOM....

Sincerely yours,

Jonathan Ruiz

P.S. For Advanced Courses About Stocks, Real Estate, and Blogging, Here is the LINK: http://pamrichfriends.com/3m-php-passive-income/

Isang Pasasalamat

Maraming bagay tayo pwedeng ipagpasalamat sa buhay.
Ang araw na ipinanganak ka sa mundong ito at masilayan ang magandang buhay na naghihintay para sayo. Ang pagsinghot ng simoy ng hangin, ang pagkain sa hapag kainan, ang patatapos mo ng kurso, ang pagaasawa at ang panganganak ni misis. Araw-araw na humihinga ka ay Araw ng Pasasalamat.

Marami pa tayong hinahanap sa buhay at gustong maabot tulad na lang ng financial freedom, promotions, pagtatayo ng negosyo,makapagtravel sa ibang bansa, makabili ng bahay at lupa,magkaroon ng maayos na edukasyon ang ating mga anak, at napakarami pang pangarap sa buhay.

Isa lang ang aking hiling sa mga oras na ito na nakalipat na ko sa UAE at kasama ko na ang aking pinakamamahal na asawa at ang aming upcoming Baby Athena. Isang pasasalamat sa 10 taon na paglalakbay sa Europe ngayon dito naman ako middle east. Pagbaba ko ng eroplano nasambit ko na lang "Salamat for another Country to conquer".

Isang malaki rin pasasalamat sa lahat ng bumoto sa akin sa Angat Pilipinas bilang Influential Author of the Year (Ang Byahe ni Juan) at PAMRICHFRIENDS.COM under Best Finance Blogger. Nabigyan ako ng pagkakataon na marecognize ang aking ambag sa larangang pampinansyal.

Bilang pasasalamat, heto ang First Newbie Lesson Program, Money Mindset, just click the word Money .

Maraming Salamat Po.

Sincerely Yours,

Jonathan Ruiz
Newbie Mentor

P.S. Sa lahat po na hindi pa nakakaboto sa Angat Pilipinas, heto po ang Link http://angatph.com/1st-angat-awards-and-nominations/polling-booth-angat-awards/

How to Ensure you Have a Long Lasting Retirement?

#RetirementGoals. Everyone needs to plan for retirement because there will come a time that you will stop working. Sometimes, it can also b...