Sunday, 28 June 2015

How to Earn from Stock Market?

Our agenda on this post is to discuss the 5th foundation of money skills which is MAKE IT. Make money thru your chosen investment vehicle.

In this lesson, I will discuss how to earn from the stock market and how the stock market works.

How the stock market works?

Stock market is like a “PALENGKE”. There is a buyer  (mamimili), seller( nagbebenta) and product (stock or company). The main difference is the broker or the trading platform provided by your broker.

“Gusto mo bumili ng isda at isang kilong bigas,  ang laman ng wallet mo ay 120 pesos lang. Ang gusto mong isda ay tilapia at ang presyo nang isang kilo ay 90 pesos habang ang bigas na sinandomeng  naman ay 35 pesos ang isang kilo .” Ang kabuuang halaga ay 125 pesos ngunit ang pera mo ay 120 pesos lamang. Kailangan mo humanap ng mas murang nagtitinda ng tilapia at mababang klase ng bigas.

Sa stock market ay ikaw ang buyer, at gusto mo magkaroon ng shares sa isang kompanya. Humanap ka ng kompanya na mabibili mo sa halaga lang ng buying power mo, depende rin ito sa board lot ng isang kompanya parang katulad din ng isda na hindi mo kaya ang presyo na 90 pesos kasi kukulangin ang pambili mo ng isang kilong bigas. Kailangan mong humanap ng mas murang kompanya na sa tingin mo ay tataas ang halaga pagdating ng araw. Makikipagtawaran ka sa palengke sa presyo ng isda o pwede rin makuha sa mas mababang offer (ask price), at ang nagtitinda naman ay sa presyo na bidding( bid price). Kailangan ang isdang mabili mo ay fresh at hindi luma. Ganun din sa stock market, ang kumpanya na mapipili mo na bilhin ay dapat maganda for long term meaning mababa pa ang value nya sa time na bibilhin mo.

How to earn from stocks ?
There are 2  ways how to earn from stock market:

1.   Capital Appreciation ( Gains in the increased value of the stock price). The rise in price of the asset or rise in the price of your stocks.

2.    Dividends ( Earnings distributed by the company to stock holders). Dividends can be in the form of cash, stock, and property dividends. Companies can declare dividends because of their good financial standing and can encourage shareholders  to invest more because they can see the returns of their investment. Most stable and secure companies  declare dividends regularly.

Here is the link for 5th Newbie Lesson Video:

Sincerely yours,

Jonathan Ruiz

P.S. For those who wants to learn advanced stock market lessons, please join us in our journey to financial freedom,

Saturday, 27 June 2015

SSS Strategy to Financial Freedom

This is not SSS or social security discussion, I would like to share how to save few bucks in your daily shopping. This idea came from my wife while roaming around the grocery stores.

SSS Tips to Financial Freedom;

1. Save thru buying from promos. Companies usually does a monthly promotions to increase sales, grab those buy 2 get 1 free. Look around the grocery stores in which items fall into this category especially those items with long expiry dates that you can stocked for future use such as shampoo, toothpaste, dried items, cleaning items,etc. etc,

2. Substitute branded items to a growing brand. You might not agree with this one especially if you are used to a popular brands but if you are tight with budget why not save, all products on the shelf of supermarkets passed a same quality control standards. You might want to collect coupon for discounts.

3. Shopping fresh food items. 
Good ex.  Packed fruits below.

The cost of one packed assorted fruits around 7-9 AED but If you will buy fresh fruits unpacked; 

1kg will cost the same amount, you have more to consume and no added preservatives.

Other advice that might save you from overspending;
  • Prepare a list before going to grocery stores and stick to it. "Same process in the stock market, you create a watchlists and buy only those you researched".

  • Don't buy those items on the shelf with the same eye level, usually prices are higher because they paid for a higher amount of shelf space.

  • Don't shop when you are hungry. This is psychology proven. You will spend more when you are hungry and might push you to go for a snacks in your favorite fast food restaurant.
The savings from SSS strategy can be added to your investment funds, but if you have more than enough and extra cash from passive income there is no need to follow the strategy. 

For those willing to commit their time and earn  extra thru blogging, I will be holding a special webinar on how to earn extra 5k PHP ,kindly follow the procedures on this link ;

Congratulations NEWBIE Bloggers. 

Sincerely yours,

Jonathan Ruiz

Tuesday, 23 June 2015

3 tools for reducing risk and increase potential financial success

Let's say you have a money machines giving you extra cash and received an increased on your salary of 80k every month.

How you are going to allocate the extra cash? Are you going to invest on stocks,mutual funds,real estate agent,bonds,uitf ?

The answer to this question will determine your financial freedom.

The three tools to reduce risks disclosed in money master the game by Tony Robbins according to David Swensen, the rockstar of institutional investing are the following;

1. Security selection- stock picking.
2. Market timing- short term bets on the direction of the stock market.
3. Asset allocation- long term strategy for diversified investing.

Application in real life;
1. Stock picking - selecting stocks that could give a potential returns of 8% annually or doubled in value at the time of retirement.

2. Market timing- PAM strategy, this is the strategy for market timing, calculating the entry point and collecting gains at a good amount of gains.
If you want to learn more join me on .

3. Asset allocation or Diversification. Don't put all your eggs in one basket. Proper diversification is key to minimize risks. Real estate is my another chosen basket. Rental income from different properties, and income from the fruits of a farmland. The idea is to earn monthly and for future capital gains or appreciation on the value of the land.

There are many ways to reduce risks in the field of investing, the main reason you want to reduce risks is to sleep at night with a peace of mind. Investing should improve your quality of life not to give you  a stressful life.

Happy Sunday and Have a great week ahead.

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 
P.S. Thank you for those enrolled my Earn Extra  5k webinar thru blogging.

Sunday, 21 June 2015

How to save 628k PHP in a year?

I was shocked by my phone bills, I received a notification from Etisalat that I used up my flexible minutes and 1gb internet data and total bill of 1555 AED equivalent to almost 15k PHP.

This post was inspired by that morning  event, and I would like to share tips on how to save a few bucks from everyday expenses thru substitution.

First, Lessen eating on restaurants.
The truth 3 or 4 times a week, my family schedule eating out, I will not be able to change this habit because this is our family's  weekly bonding time. Instead, I cut on my daily lunch, I don't packed for lunch but UAE's expensive canteens and restaurants push me. I saved 25 AED a day equivalent to 550 AED a month from packing daily lunch meal.

Second, Increase transportation costs and save from expensive housing.
The rental in Dubai hit the roof ceiling. I have a housing allowance of 6000AED but I decided to take it as a cash and look for my own accommodation. I live outside Dubai to save 50% of rental and go for a car lift everyday which saves me around 3k AED and I have a bigger space and privacy for my family.

Third, 3 in 1 is better than starbucks. 
Saving 18 AED everyday. The taste of Starbucks better than 3 in 1 but not on the wallet. Total savings of 396 AED monthly.

Fourth, Limit the GB and request for flexible minutes. 
Ask your mobile operator to set a limit of data usage and flexible minutes for local and international calls. Savings of 250 AED monthly.

Fifth, Electricity and utilities.
This one, I need to find a way but turning off lights and unplugging appliances once you leave the house will contribute savings of at least 100 AED a month.

Total savings;
1. Eating Out - 550
2. Housing     - 3000
3. Coffee        - 396
4. Mobile        - 250
5. Electric bills - 100

Monthly savings- 4,296 AED
Yearly savings   - 51,552 AED 
Total in PHP - 628,934 PHP (exchange rate used 12.20)

This is my 7th city to live in the past 10 years from Manila, Singapore, London, Rome, Oslo, Bergen,and Dubai, I learned to adapt myself and prepare for the future of my family. I hope for every OFWs to do the same, our life abroad is not forever. "Walang Forever sa Pagtatrabaho".

How about you? Do you have savings technique? Feel free to share and comment on this blog.

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 
P.S. For newbie readers, thank you for amazing feedbacks and encouraging comments. "Mabuhay po Kayo". 

For those interested for earning extra 5K monthly thru blogging, pls. join me on this link

Saturday, 20 June 2015

How to become the best Daddy Trader?

To all the Daddy Traders out there, Happy Father's Day. "Mabuhay po kayo".

I was greeted by my wife a Happy Father's day, though my 2 months old baby will not be able to say it, she wave her little hands and continue with her sleep.

My Little Angel, Baby Athena
I took the challenge of being a Newbie Mentor but the truth there is a another side of me as a Position trader and known as the PAM Master ( . I trade for a living and manage different investment portfolios.

Today, as we celebrate Father's day, I would like to give few tips that will help you understand the life of a Daddy trader;

First, Cash flows from passive and active income.

Build different sources of income or money machines. Don't rely on one source only. You need a bigger capital, if you want to be a hardline trader, having only 5 digits of capital will not be enough and it will only be a waste of time if you don't have enough volume.

If you made a mistake on your trades, you will be suffering from a dilemma of selling at a loss but if you know that other sources will flow at the month end, it will lessen your worry of not having enough. Related link on creating passive income

Second, Plan every trades.

Planning will be a part of every buy button. Setting your cut loss point and exit point should be part of the plans. 

Third, Separate long term stocks.

As a Daddy trader, I also plan for long term meaning I buy stocks that will be sold after 5 or 10 years from now especially for my Baby daughter's education. 

I have a separate broker's account for my wife and baby. There is no mix up on my portfolio and I don't usually open it every month except I will add a buying power and accumulate my chosen stocks.

Fourth, I invest on my education.

I  read a lot of books and attend webinars online. I subscribed in different newsletters, I keep myself aware of every groups potential move but I don't follow the recommendations without validation process.

I recently enrolled on binary trading program. Aside from online education, I learn everyday from my mistakes, and I try to minimize it on my next trades.

Fifth, Don't be greedy.

The biggest mistakes of every traders is to be greedy. "Tataas pa yan, wait ka lang". If I trade with 7 digits, I don't wait for more than 20% gains sometimes one trade is enough for 3 months expenses.

Last tip, I share my knowledge and I learn to give back, you can subscribe on my you tube newbie channel for free.

Sincerely yours,

Jonathan Ruiz
Daddy Trader

P.S. If you want your knowledge to move on a higher level, this course might be for you ;

4th Newbie Lesson Program

We are on our 4th newbie lesson. Here is the you tube link .

Now, you fully understand your risk appetite. If your risk appetite is somewhere between conservative and aggressive,  no time, and possible heart attack in the swing of the market, then mutual fund is for you. 

After you invested in mutual funds, you might want to start learning how to invest in the stock market. If you have enough time to study and ready to commit yourself in research and understanding the valuation of companies, then stock market is for you.

Basic steps to start investing in the stock market:

1. Study and research. Taking an online courses whether free or with a fee. (I'm holding a special session for the next level of Newbie course, ). 

It is highly recommended that you watch you tube videos of Pesos and Sense and ANC On the Money. In addition read the book of Benjamin Graham,  “The Intelligent Investor” .

2.      Open a trial account.  There is a free  7-day demo account for most of online brokers which you can access their platform and feel the beat. After the trial period, you may be ready to take the challenge.

3.      Prepare a buying power for opening a broker account minimum of 5000 php. Open an account with a trusted broker (Philstocks, BPI Trade, Col Financial and First Metro Sec).

4.    Password and Username will be sent to you after a week, once the broker received the completed forms.

5. Time to press the buy button and invest only on companies you understand.
Newbie mentor will send an analysis of the potential stocks at the end of Newbie Intensive Trading Course .

I’m looking forward to your financial success.

Sincerely yours,

Jonathan I. Ruiz

P.S. If you are looking for Google App in the stock market, kindly support PAM PSE Tracker; .

Wednesday, 17 June 2015

3rd Newbie Lesson

We are running on our third lessons of the newbie mentoring program.  Here is the link for the video .

I believe that you already checked your financial standing and continuously monitoring monthly budget and buckets allocation. It will take time to be discipline in monitoring your monthly cash inflows and outflows.

We are going to look at the remaining three foundation of money skills:

You can move to invest it level once you have built your emergency funds, secure health and life insurance and there is an overflowing cash.

Again secure yourself first, check with your employer the health benefits and insurance protection, if you are an OFW, renew the OWWA and  Philhealth membership. If you are planning to buy a dream house then it is wise to  include PAGIBIG funds in your monthly budget.

I believe that you are set to choose the financial instrument that you might want to invest in

Few newbie questions;

1.      When to start investing? 

2.      How much capital needed to invest or set aside monthly?

3.      How to start?


1.      NOW – The earlier you start, the better. Think of the power of compounding or the rule of 72. Here is the link for deeper explanation;

2.      The answer to this question is also a question: How much excess cash left at the month end?

Many banking institutions, mutual fund companies, investment banks, brokerage institutions offer 5000 as an initial capital. You can start opening an account for as low as 5000 pesos and consistently add monthly.

For mutual fund companies;

  • ATRKE Alpha and Equity Opportunity Fund
  • First Metro Save and Learn Equity Fund
  • Philam Strategic Growth Fund
  • Sunlife Prosperity Philippine Equity Fund

For stock brokerage firms;
  • First Metro Sec
  • Philstocks
  • Col Financial
  • BPI Trade

3.   You need to study, research, and assess the financial instruments that will be suitable to your time and commitment as well as your age and risk appetite.

If you are newbie and zero knowledge then mutual funds will be a better choice. You don’t need to worry about managing your portfolio because the professional fund managers will take charge of growing your money. A service charge or fee will be deducted from your investment.

Inspiring real life sample from Mutual Fund King, Alfonso Gonzales;

If you are a person who is young, risk taker,  and willing to learn more about the way fund managers invest your money,  then you might want to open a stock brokerage account. If the stock market will be your chosen field ,then take time to study before plunging into it.

Inspiring 100% gains from Newbie Mentor;

The important foundation of money skills is investing. You are investing because you are preparing for a future definite event such as your retirement.

For the upcoming newbie lessons, I will discuss how the stock market works and how to pick stocks for long term.

Sincerely yours,

Jonathan Ruiz

P.S. If you are looking for an app in Google for monitoring your stocks portfolio, here is the link;

2nd Lesson Newbie Program

I would like to thank you for continuously reading and watching our lessons in this newbie mentoring program. If you have friends and colleagues who want to join  our journey to financial freedom, please feel free to share this link.  

Today ,our lesson will be about different monthly budgeting formulas. We need to control the inflow and outflow of money every month. This will help us determine how much the possible amount of savings that we  can allocate to different financial instruments.

“Naging ugali na nating mga Pinoy na pag natanggap na ang ating sahod o monthly paycheck, ay tuloy na sa inuman”. Hindi na nag-iisip kung saan ilalagay ang konting labis dito”. “Isipin natin na hindi habang buhay ay malakas tayo at magtatrabaho kaya dapat gawin natin ang paghahanda para sa retirement”

We have three formulas to choose from:

1. Buckets Allocation.
2.  Cash flow budgeting. 
3. 10 -20-70 formula.

The first formula , the buckets allocation,  refers to placement of money in different buckets such as emergency, growth and dream buckets. At month end, after receiving your salary,  it is recommended  that  you  start allocating the excess income  in different buckets.

Let us have an example. 
Juan is working as call center agent in Makati, earning 25000 pesos monthly, single and ready to mingle, renting a condominium and have a lot of dabarkads.

At the month end, after paying his expenses such as rental , utilities, wifi /cable connections and dabarkads, Juan should allocate an amount to his emergency funds. He needs to build his emergency funds equivalent to his 6 months salary (amounting to 150 000 pesos). Then  he can start  to  allocate his funds to a  growth bucket. In this scenario, he doesn’t have family to support yet . Since he is still young ,   he can choose a high risk  investment that has a potential for high return . He is single and ready to mingle, and a small amount can  be allocated to his dream buckets to be used for travel, wedding, dream house, car etc… etc…

Another formula that we could apply is the cash flow budgeting. If you are an accountant, then it will be easier for you to understand this formula. It is a breakdown of cash inflow and outflow every month.

We are going to prepare cash flow statement in a simple and easy to understand and simple way  without using complicated terms:

Cash Flow Statements:
Cash Inflows:
Active Income
Monthly Paycheck                                                      25 000
Passive Income
Stocks / Bonds/ Interest Income
Total Cash Inflow                                                         25 000
Cash Outflow :
Rent Expense                                                                   5 000
Utilities / Electricity                                                        3 000
Wifi/ Monthly Payment on IPHONE                            2 000
Dabarkads                                                                        5 000
Total Cash Outflow                                                      15 000
Total Net Cash Flow                                                    10  000

In this example, Juan doesn’t have any passive income and he still got an excess of 10 000 pesos that can be allocated or distributed to his different buckets. It will look like this:
Buckets Allocation
Emergency Buckets   -       5 000
Growth Buckets         -         3 000
Dream Buckets          -          2 000

The 10 000 pesos excess distributed in different buckets, with emergency buckets as the  highest allocation. He has to continue building it  until it reaches the required  amount.  Dream buckets could be those leisure and future plans of Juan.

Another famous formula is the  10 – 20 -70  prosperity formula. 
At the end of the month , you need to multiply the monthly paycheck by the given percentages and distribute it as tithes, savings and expenses as shown below:
Monthly Paycheck
25 000 pesos
Tithes              25 000 x 10%    =  2 500
Savings            25 000 x 20%    =  5 000
Expenses         25 000 x 70%    = 17 500

In the prosperity formula, a big amount of 17 500 goes to the living expenses, this 70% varies on the monthly income and standard of living. 

We have different financial standing and status in life, you can be married, single, with kids or without kids , swith mortgages or without, consumer loans or credit loans, supporting your families etc..etc..

It is clear that whatever formula you use, there should always be an allocated amount for savings or investments.

The monthly budgeting techniques and formulas should be applied consistently and can be a monitoring tool for savings and expenses. This will help you to be conscious in your spending plans. 

Later in this newbie lessons, we are going to focus on how to increase your monthly cash inflow. Your task is to reduce your monthly living expenses while having the dream lifestyle and without sacrificing the things that you loved.

Sincerely yours,

Jonathan I. Ruiz

P.S. Here is the 2 newbie you tube video:

Tuesday, 16 June 2015

How to earn Extra 40k PHP monthly while sleeping ?

Don't be surprise that it's possible to earn while sleeping thru different money machines. Time out from stock trading while building other passive income sources such as real estate and blogging.

Last night before I went to sleep, I received an alarm notification from Airbnb and Google wallet. I said to myself "Money Coming In".

29,307 PHP rental for the next 4 months.

Another regular monthly payment of 5- 10k from Google Ads.

"What you focus on is what you get." indeed true.

You might not believe this is my minimum passive income every month. My goal is not to worry for my family at the time of retirement and not to depend on our SSS which I missed paying for the last 6 months.

This is not to brag how far I achieved at this point but to inspire and be a blueprint of Pinoys passive income earners.

For newbies, I would like to encourage you to continue your financial journey and if you are lost and want to know secrets especially on trading and Google ads, join me on this link;

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 

P.S. If you are in Dubai, please keep in touch I will be launching a project that will give extra income for OFWs.

What's your plan to 1 Million PHP???

"If you don't know where you are going, every road will get you nowhere. -Kinsinger."

P in the acronym PAM is Planning. I believe that if you want to go far in your carreer or achieve something, there is a need to plan. If you fail to plan, then plan to fail a famous quote that keeps reminding us that we need to plan. We can argue that a plan is not a guarantee that we can be successful but this plan will give us direction. It is our GPRS in our daily journey.

What is your plan for your financial future?

This a taboo topic and broad. I know you are not prepare to answer it because the busyness of everyday job keeps your mind away from financial concerns. Let me plan it for you. Financial freedom is your goal and we need to plan for it.

First, Build your emergency funds.

Most newbies grab the stock market without having this fund, sometimes they are force to follow gurus and sell their red stocks because of unexpected families need. You should have at least 6 months of your salary on this fund.

Second, Life and Health insurance. 

The best investment is to protect yourself and family. Secure yourself from a stormy weather.

Third, Invest on mid-risk investment such as mutual funds,bonds,uitf,vul etc.

Look for a trusted institutions with an average historical gains in their portfolios of at least 8%.

Fourth, Work your ass for sideline business.

Sorry for my word here. We use to depend in one source of income which is very dangerous, the possibility of termination and recession are part of of risks.

Fifth, The extra cash from sideline business can be use to invest on high risk investments.

Stocks and real estate falls on this category because both instruments need a proper research and study as well as high level of commitment.

I hope this helps.

Currently , I'm focusing on Google ads passive income to 1 million pesos target. I will be sharing my secret at the upcoming newbie course.

This  is equivalent to 5631.06 PHP monthly from Google Ads.

Please join me on my upcoming newbie trading course the next level;

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

P.S. I would love to see you inside PAM .

Monday, 15 June 2015

How to be an intelligent investor???

This post is dedicated to the Intelligent Investor, Benjamin Graham, mentor of Sir Warren Buffet.

5 Intelligent investor tips;

First, study and research the company deeply. Stock is not a ticker or electronic symbol, it has an underlying value. It is an  ownership interest in actual business. "Siguraduhin mo na ang stock ay naiintindihan mo ang product or service nito at ituring mo na isa ka sa mga owner."

Second, Market is a pendulum that forever swings. It can be expensive or cheap. PSE index hit an expensive level that's one reason of red market. Intelligent investor buy a stock which is undervalued, DCF or PV method can be used.

Third, No matter how careful you are,one risk that an investor cannot eliminate is the risks of being wrong. As a newbie mentor, I personally make mistakes in market timing, but I carefully pick stocks for long term.

Fourth, The future value of every investment is a function of it's present price. The higher the price you pay, the lower return will be. Buy at a possible lowest price.

Fifth, The secret to financial success is inside yourself. 

Are you ready to press the buy button? If not please join me on my upcoming Newbie Trading Course Next Level,

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 

Sunday, 14 June 2015

How to double your income for a lifetime???

Many Pinoys leaving the country and work abroad  as OFW, main reason is not earning enough. They want to double their salary and earn more or they have a better opportunities working abroad. There are also others that don't have the same good story. Some suffered from illegal recruiter, maltreatment from employer and underpaid jobs.

How to double your income?

1. Education.

Take your career into the next level. After I graduated with Accountacy degree, I never stop accumulating knowledge in different fields such as Culinary Arts, Programming, Marketing, Entrepreneurship etc. etc. After gaining the education required, look which industry is paying well then start job hunting.

2. Experience.

If you followed my story (, I worked as a dishwasher, pizza maker, Chef de partie, then Head Chef. 
The salary gap is high not only doubled but 5 times higher. Experience is a best teacher. 

3. Promotions. 

Deliver more than what is expected. The best way to get promotions is to surprise your manager. 
When I moved into corporate world, I anticipate manager inquiries and questions, prepared myself to answer.

4. Overtime.

You can do overtime but this only limited to few hours a day and not sustainable once you get bored. Better to do the next tip.

5. Sideline businesses.

Think of something you like and salable, for example cooking ( sell pack lunches to your co-workers). Good ex. an OFW selling adobong mani @ Al Batha Market.

In my case, during weekend I do tutorial (if you want a tutor or mentor in the stock market, please join me on this link; ) or handcraft accessories which you can sell online. Good ex.

6. Passive income.

Earn passive income from different money machines. Escape the rat race. This is discuss on this link;

7. Commissions thru affiliate products.

This one is crucial, study and research the MLM company that you want to join, check the legitimacy, if many are joining, it doesn't mean that it's not a scam. Check business registration and legal products.

8. Garage sale.

Again this part relates to entrepreneurship, look at your old stuff that you can sell or buy a product and sell with a mark up. Be a middle man or broker.

Visualize and you will be amaze how far your income will double 5 years from now, remember to share your own story once you achieve it.

Happy Father's Day.

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

Saturday, 13 June 2015

How to make 1 Million Pesos thru the Power of Compound Interest?

“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.” - Albert Einstein

As Albert Einstein quote that compound interests is the eighth wonder of the world, this is the power of money earning for you not you working for money. This is a basic of investing and the main reason why you are investing in bank savings, time deposits, bonds, mutual funds, uitf, stocks etc. etc,

To give you an example, if you have 1000 php invested for an instrument that could give you a yearly interest of 10% ;

x  .10

An interest of 100 at the end of first year, then next year;

x  .10

Then at  second year, the amount of money you have is 1210 php.

The interest reinvested to your original principal then the interest value keep increasing every year. Many financial advisors advice the young generation to start early to benefits from the time that the investment could accumulate interests.

As an example, let's say Juan 20 yrs old and John 30 yrs old,
Juan can start saving of 285 pesos a month and he wants to retire with one million pesos, at what age Juan could retire?

Juan should look for financial instrument that could give a yearly return of 8%. At age 60, the 285 pesos monthly savings will grow to 1 million pesos.

How about John? let's say he delayed until the age of 40 but he doubled his savings to 570 php monthly with same amount of interest of 8% annual return.

At the age of 60 John will only have 337 980 while Juan is already enjoying the retirement. The only way to catch up with Juan is to invest monthly of 1686 php to have 1 million pesos at the age of 60.
Six times as much as Juan investing monthly of 285 php.

The difference is the "Power of Compounding" , the earlier you save the more you can take advantage of this eight wonder of the world.

Take actions and start early.

Sincerely yours,

Jonathan Ruiz

P.S. If you want to learn how to earn thru stock market trading, 

Friday, 12 June 2015

Money Mindset to Financial Independence

“ Congratulations to you”. 

Welcome to NEWBIE mentoring program.  

Our first task is to discuss and check  your  money skills, discuss the steps to achieve financial freedom , and the right money mindset.

Let us look at different definitions of money that inculcated into our minds since our childhood:

1.      Money is the root of all evils.
2.      Money can’t buy happiness.
3.      Money doesn’t  grow on trees.

The above definitions of money  are very familiar. These definitions will hinder you from increasing your wealth from limiting beliefs . 

Money is a key ingredient to your financial independence. You should have  right mindset and fight the way our heroes fought for our "Inang Bayan". Mabuhay the Newbies in the Philippine stock market.

Let us discuss one by one the definition above;

Definition #1, Money is the root of all evil.

According to 1 Timothy 6:10,  For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.

It is clear from the scriptures that “LOVE OF MONEY IS A ROOT OF ALL KINDS OF EVIL”, it’s not the money itself but the love of money which is the cause of evil. Money is neutral as it cannot kill you.  If the  person  handling  the money used it for evil purposes, it is evident that it is not the money but the person who is evil.  

Definition # 2, Money can’t buy happiness.

This is both true and false . Money can buy our basic needs such as food, clothing, shelter..etc. ..etc… Let’s face the truth that money can buy our needs and wants. We can go to an expensive restaurant if we have enough money to spend but if you are going to have dinner alone then you might not be happy. 

What about going to Caribbean holiday then it will cost a lot of money but this does not mean that you will be happy in the absence of your family. There is truth to the saying that money can buy you laughter but not happiness.

I believe money is an instrument to make us happy and live a better life. Money is a useful tool that we can use to make others happy by helping those people in financial need, donating to charities and foundations, supporting those victims of typhoon and earthquakes, feeding those street childrens etc..etc..

Definition # 3 , Money does n’t  grow on trees. 

A lot of times, we heard from our grandparents say,  “Akala mo basta na lang tumutubo ang pera sa puno at gastos ka ng gastos”. Does it  sounds familiar?

By studying the manufacturing process of printing money or paper money, it is noteworthy to know that it is a special blend of 75% cotton and 25% linen  combined all other materials, fibers, ink etc.  Literally without trees ,there will be no papers to print money .

This definition of money pushed us to believe that money is so hard to earn . This is what we call a scarcity mindset. We can widen our financial pocket  and believe that there are enough monies in this world and that everyone of us can have a fair share of the available  money in circulation.

If everyone learns that money can be easily earned, then there will be more than enough money  for everyone of us. The money that we have can be a useful tool to buy happiness,  to help others,  to fight  hunger and poverty etc. etc. 

There will be less crime and poverty if we change our money mindset. 

How about you? Do you have any other money definition? Do you have a story to share? 
Feel free to share.

Here is the you tube video of this lesson: 

Sincerely yours,

Jonathan I. Ruiz
Newbie Mentor

P.S. I will be holding a NEWBIE INTENSIVE TRADING COURSE NEXT LEVEL,if you want to achieve financial independence thru trading,  here is the link for the procedures:

Happy Financial Independence!!!

Thursday, 11 June 2015

How to prepare your finances for newborn baby?

Many parents suffered from unexpected expenses for a newborn baby, it's better to prepare for it. We want the best things for our babies but problems could arise such as increasing prices of hospitalization, diapers,milk etc. etc.

I recommend to those parents that starting out to prepare and plan for their upcoming baby. 

Here are my tips:

1. Establish good relationship with your parents and family members. They will help you in this new endeavor. If they become grand parents, they will be more excited than you and they are willing to take care of your baby during the time that you need to get back to work, most of the times OFW kids left in the Philippines with grand parents, in this case you save from paying nanies and you are at peace of mind. 

2. Health insurance. The first thing I thought when my wife got pregnant. My wife is a high risk pregnancy and I make sure that she will have a proper medical treatment. Her insurance paid for the 9 months medical treatment and included her labour as well as baby's check up. Check your insurance coverage especially if there is a possibility of cesarean, it will drain your savings if you don't prepare well.

3. Baby's clothing, strollers, toys etc.etc. The number 1 tip is to establish good relationships, I received a ton of gifts from famlies and friends especially from my sister and wife's sister. They already been to this experience so from their baby's closet they gave us their stuff, most of it unused.

4. Probably one of the parents will stop working after the maternity leave, it will be one source of active income. For father, you should have calculated that your income could cover family's need. There will be additional expenses that will become regular every month such as diapers,wipes,vaccines, medical check up and milk (breastfeeding will save a lot of bucks).

5. Documents. If you are living abroad, you need to pay for documentation such as passport, birth certificate and visa. Do this early as possible because there are only few months that baby could stay without documents or else you need to pay for penalty.

6. Special occasions. Baptism, 1st month, 1st birthday, you will not be able to escape this occasions, separate a small budget for it. Give her the best, you can cherish this memories in the future.

7. Negotiate for your family's life and health insurance, I did it personally, as I decided to go back to corporate world, this is the first thing I asked for my salary package. I'm the only one in the company with this type of insurance most companies they don't cover your family members, protect yourself and loved ones.

8. Start saving and setting aside funds for your kids education.

9. Home. The place for your baby should be conducive to learning and surround her of loving families and friends.

10. Have fun in this new journey.

Sincerely yours,

Newbie Daddy 

P.S. Please join me on my upcoming mentoring program and earning while sleeping from blogging, here is the procedure;

Friday, 5 June 2015

What I have learned in the past 31 years of my life ???

As I celebrate 31 years of my life, I would like to share 31 lessons that I've learned. It's not easy to make a summary in 31 bullet points, these are simple lessons from my experiences, travel, education, books, seminars, events, meet up and from people that I met in 25  different countries.

1. Love is the greatest of them all.

  “Love the LORD your God with all your heart, with all your soul, with all your mind, and with all your strength.” (Mark 12:30)

This is the root of everyone's existence. Love should be shared all the time, as God shared his loved to humankind. No doubt that I'm a fruit of my parents love to each other.

2. Family, the basic of society.

Everyone is a part of family. This is one of my greatfulness everyday, I was raised by a loving parents and with amazing siblings. I'm thankful that my parents opened my eyes to many possibilities. I lost my Mom at a young age  and that triggered me to live independently.

3. Marriage.

90% of success determined by a marriage life. "Ang Pag-aasawa ay hindi parang bigas na pagnapaso ay iluluwa". I vowed till death do us part, definitely should be a values of every man. Broken families usually starts by mistakes on marriages, don't let kids suffer because of your mistake. There should be a "forevermore".

4. Friendship.

Building relationship should be a task for everyone.
I met a lot of people in my travel from different countries and I'm thankful to all of them that they still keep in touch. If I need to visit a country, there is no need to book for a hotel because a friend's door is always open.

Pick friends for life not only during the times that they need you.

5. Health.

Health is Wealth. Yes, you should be discipline with your health. I want to live a longer life so I'm trying to eat healthy and take less coffee. Practising a sport or 30 minutes walk everyday.

6. Education.

I value education because my parent always mentioned "Wala kaming ipamamana maliban lang sa edukasyon", the only inheritance that no one can take away from you. This is also a way of getting ahead of everyone, especially if you are thinking of working in a corporate world and advancing your career.

7. Experience.

"Experience is the best Teacher".

I keep accumulating experiences in different fields; from a Dishwasher to a Chef (Culinary Arts Diploma at UPTER, Rome, Italy), Market Researcher to Marketing Director (Century Properties Inc., London, UK), Accounts Assistant to Cost Accountant (Schlumberger, Norway), and Cost Accountant to Financial Controller ( Dubai, UAE), Google App Developer (PSE Tracker and PSE Alert ), Professor (, and Financial Blogger, Author and Entrepreneur. 

It's not for CV or resume purposes only but learnings gained. You will realize that you become a better version of yourself.

8. Happiness. 

The truth, I keep searching for the meaning of happiness but I realized that should not be searched because it's already within "YOU".

"If you are happy where you are right now, you will be happy wherever you go."

9. Money. 

Lots  of money in this world. No need to rush to get them and do the shortcuts. Use money as the root of all good deeds. Earn money as much as you can, then share and give it to others in need. Create money machines and sideline businesses. Let money works for you and have the power of compounding. Save and invest for a better future.

10. Career. 

Keep looking for the right career. Try and try until you found it. I have tried different industry and it gave me satisfaction every time. 

If you want to get promotions deliver more than what is expected. Don't asks for salary increase if you don't deserve it.LOL.

11. Travel.

"Many are thinking of travelling during their retirement but the truth sometimes retirement never comes". 

I lived in 8 different cities in the past 10 years and travelled for experience. There are many ways to travel without spending a lot of money such as collecting miles, airbinb, pre-booked holiday at least 6 months earlier, and plan it well.

12.  Failures.

"I failed many times and I keep failing. In every failures, there is a hidden treasure".

No one will remember that you failed in the past, I opened a franchise "Pinoy Pao" food cart which did not survive due to my absence. The hidden treasure, I gained management skills and negotiation. 

13. Rejection. 

I was rejected hundred times in job interviews, selling real estates, encouraging pinoys to invest in the stock market, inviting everyone to downloads my Google Apps (PSE Alert, PSE Tracker) and this is an everyday rejections. Col Sanders of KFC always reminds me to keep taking the rejections as a push.

14. Respect. 

Respect everyone you meet along this journey, treat them as your friend. You will be treated as a Prince if you know how to respect others.

Free coffee every time I met a friend.

15. Don't be a worrier but a warrior. 

Life is like a war and we are soldiers that worries if we are going to survive the battle. No need to worry because our worries never really happen.

16. Time. 

The ultimate resource on earth. Most precious gift everyday but only for a limited period. Value your time. Don't be late.

17. Dream. 

Dream big. The only thing free in this world, don't discount it. I write every month my dreams at the end page of the book I read. This reminds me that I have a big dream to achieve.

18. Clear Vision. 

Have a clear vision of your life. Be clear on what you want in your life. Visualize your future self after 10 years.

19. Honesty is the best policy.

This policy is valid always. Don't ask me if I cheat, "yes" I paid the price for it. Be honest and sleep peacefully at night.

20. Compete and compare. 

I attended many competitions such as quiz bee, sports,public speaking,candidate for best author and finance blogger, best app etc. etc. I won few of them and lost many. It doesn't matter whether you win or loss, important part of it you enjoyed the game. 

Don't compare yourself to others because there is always someone better than you. There are many insecure people around but "Just be Yourself".  

21. Good life.

Good life is living simply, there is no need to catch up with joneses probably they have mountains of debt.

22. Change. 

Adapt yourself to new environment,places and situations. Change means growth and innovation. Put yourself as an iPhone. What iPhone version is your life?

23. Stress. 

Life is short. Live a stress free life.

24. Passion.

Do the things that you love everyday. Be passionate of your craft. If you think that you are not maximizing your potential then leave what you are doing right now and search inside yourself.

25. Breath deeply. 

Take a deep breath every time there is a challenge and feel it, it will only last for few days. Believe me, this will help you relax.

26. Always give back.

You will receive lots of blessing but you need to give back first. I was a scholar during my studies after few years of working I was able to help few students. Now, teaching and mentoring at PAM Academy.

27. Be part of community. 

This will help boost your social life especially if you are single and ready to mingle.


Success is the way you defined it. Success will not come without hardwork and dedication.

29. Gratitude.

Be grateful everyday. Appreciate small little things and see the beauty of life.

30. Great Gift. 

My baby daughter Maria Athena Gapasin Ruiz, a special gift entrusted to me and my wife. Take good care of your gifts. Be a great Father or Mother , Husband or wife, Brother or Sister and a friend.

31. Fun. 

Have fun in this journey of life. We are guided towards the right path, celebrate life with fun and joy in your heart.

Happy Celebration of 31 Life JONATHAN ILAGAN RUIZ!!!!!

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