Tuesday, 28 July 2015

Prepare a buying power!!!!

Saving during the time of downtrend in the market is the best strategy of an investor. As Sir Warren said "Cash is King".

Remember Cash is not an investment but an instrument to have an investment. Preparing a good amount of cash will give you a chance to average down in red stocks that you made a mistake in the entry point.

"Wala na ko buying power kaya hindi na makapagdagdag". Sounds familiar!!!

You can do 2 things;

1st - Sell your stock that have gains and use it as a buying power to reinvest the amount.


2nd - Close your portfolio and do extra work or part time jobs, in this way you will have more cash later.

Ghost month is on the way and Shanghai composite index is continue to slide. The index react negatively after the SONA, PSEi ended at 7,479 level and a possible scenario of continuously touching the next support line at 7,450.

I'm receiving inquiries about how to handle stocks portfolio in times of downtrend. My answer is to prepare buying power and keep it on the sides until the market calm down and hits below 7,200 index level. 

I highly recommend newbies to buy only those blu chip companies and don't trade those small caps without any good reasons such as earnings, expansion plans, good FOO price offering, dividends, etc. etc.

Keep safe Newbies.

Sincerely yours,

Jonathan Ruiz
Newbie Mentor 

P.S. I will be holding a special webinar about the stock market strategy for Aughost month and share my stock picks, if you are interested, join me on this link ; http://pamrichfriends.com/special-ghost-stocks-webinar/

Saturday, 18 July 2015

Mini Retirement

Retirement meaning the time you retire from working and receiving money from different sources of funds whether government or private funds. In the Philippines, SSS is the main source of retirement funds. This is the stereotypical retirement idea in our country, but other financial instruments can be a vehicle for early retirement, thanks to many financial advocacies group sharing financial education.

Many retire at the age of 60 - 65, the time that probably you will not be able to do things such as skiing, sky diving, travelling around the world, hiking at Mt. Apo, biking at the mountains, and the dreams of building businesses.

I realized that it's possible to do a mini retirement as inspired by 4 hour work week author, Tim Ferris. We can outsource those jobs that we cannot enjoy such as bookkeeping, marketing, secretarial and admin jobs for an affordable amount.

We can travel by saving a small amount every month and prepare early for holiday  such as booking early flights , looking for cheap hotels or airbnb, and working extra for travel allowance. Groupons, entertainers, vip are offering great deals.

For skills that you want to learn in your retirement, you can have it for few bucks and sometimes free, if you are an OFWs and wants to learn entrepreneurship and technical vocational courses, TESDA will be a good place to start. Udemy and coursera are the places for special skill courses and you can have certification.

For retirement funds, start from a basic steps open a mutual funds, start learning how stock market works, looking for potential passive income and prepare a business plan. Have an extra from those dividend paying investments.

I enjoyed mini retirement this Eid holiday with my families and friends. If I can do it, I know you can.

A view from my hotel room.

This is a balanced lifestyle that even you live frugally, you will have same experience as other rich friends.

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 


Thursday, 16 July 2015

How to live a Richer and Happier Life???

Living in a mansion, driving a Ferrari, married to a fashion model, travelling around the world, and running a billion dollar business. Definitely that is not the "Newbie Mentor" slight only.

I learned that to live rich and happy life does not depend on material things, size of bank accounts, and marrying a fashion model. Those are the usual measures of rich and happy life in our society. I'm not saying that I will not be able to achieve my dream mansion and dream car, the truth I'm on my way to those financial richness, I realized that being rich and happy will not be limited to those metrics.

Everyone can live a richer and happier life even in the absence of material things.

Living simply and spending quality time with my wife and baby is a rich and happy life that I defined.

We can be rich and happy by improving different relationships aspect.
1. Spiritually
2. Family
3. Socially
4. Personally- (Health)
5. Financially

I keep working out those relationship aspects.
Spiritually. I read a bible verse every morning and reflect on it. It's really good to start a day with encouragement since I'm bombarded by many criticisms and decision making task everyday.

Family.  Just watching my wife and baby in the morning  is a complete day for me. I'm trying  to spend more quality time with them. Yes, we are going for Eid Holidays.


Socially. I'm trying to be social and have a face to face conversations with friends but now social media made networking easy. I'm trying to grow and share my knowledge on PAM ACADEMY . You can join me as well on PAMers group on facebook.


Personally. I'm referring this to health and personal growth improvement. Jogging and walking on the park everyday and I started my after 6 diet of fruits and salads. 

For personal growth, I red 5 books this month; Winning, Money Master the Game, One Minute Millionaire, Blueprint and I can make you rich.

Financially. I'm working hard and commit myself to hit 1 million passive income on blogging thru this NEWBIE blog.

If you have extra for a special webinar for only 500 pesos, please join me on this link; http://www.newbie.ph/p/earn-extra-5k-php-thru-blogging.html

I'm wishing you a richer and happier life.

Sincerely yours,

Jonathan Ruiz
NEWBIE Mentor






Wednesday, 15 July 2015

Blogging Income as a Pension Funds

I know everyone of you are too focus on stock market because of the high potential earnings thru trading and investing, but how about matching your SSS pension funds thru blogging income?

Blogging is getting popular because of amazing stories that many bloggers are living a freedom and lifestyle of entrepreneur. A good example on this link; http://finance.yahoo.com/news/leaving-9-5-job-31-150450601.html

The truth it will take time and hardwork to achieve a level that your blog can support your monthly living expenses. You need to have a massive followers and a great content.

Before jumping to this endeavor, follow the simple steps;

1. Pick a niche topic. This part will determine if there is a potential monetization of your blog.

2. Create the blog and choose a platforms. Easy to make blogsite platforms are blogger, typepad and Wordpress.

3. Build an audience. Be present in every social media Twitter , LinkedIn and Facebook. 

4. Start sharing your blog site.

You don't need to be a writer and good in English because I'm not. Just be yourself and be honest then money will follow as I did below with consistent monthly earnings on this blog thru selling tools and ads ;

Reports showed NOK currency


For those who wants to earn Extra 5k thru blogging, join me on this link;
Sincerely yours,

Jonathan Ruiz 
Newbie Mentor

P.S. My income from blog is hitting 500K after 1 year.

To the attendees of my Earn 5K PHP, Welcome to a new journey.

Tuesday, 14 July 2015

How to minimize stock market losses ?

I have not failed 1,000 times, I have successfully found 1,000 ways that will not make a light bulb.”  -Thomas Edison
This quote is an inspiration and motivation for my financial journey and as a newbie mentor. 

I failed many times and I keep failing that would not stop me in this journey. If you don't have any records of failure then you are not taking that much risks. In the field of stock market, failure will cost you a lot of money and a brighter future into a darker future.

I recommended to closed the portfolio until the uncertainty of Greece and China's free fall stabilize. Today market showed a positive change of .45%, I'm back to the trading field, and opened my portfolio and a green day change. Failures and losses in this field is normal, everyday is mental toughness game. Your day change can be red or green.






How to minimize those failures in the stock market?

I have a simple answer PAM.

PAM - Planning, Actions and Mindset.


P - Plan for your moves, before pressing the buy button check what is your plan for this stock? Is it for long term or for tsupit?
Many are playing on this market because of the ups and downs, if you bought MCP, Bloom, SPH yesterday then more than 5 % gains by today's performance of the market. This is not always the case, it could go on the negative side.

A - Action, sometimes if you made a mistake, switching strategy is your action, your action will determine the loss or gains. Set a a target price. The most important part is to determine a good entry point.

M- Mindset, growth mindset is different from fixed mindset. In every mistakes should be a lesson learned. You need to be mentally tough and have a right mindset.

Congratulations to your stock market journey. For a special app in the stock market, here is the link https://play.google.com/store/apps/details?id=com.athanruiz.psealert&hl=en

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

P.S. I will be holding  a special webinar Earn 5k, join me on this link http://www.newbie.ph/p/earn-extra-5k-php-thru-blogging.html 

Wednesday, 8 July 2015

8 Lifetime Income Machines

We are investing to have a brighter future for our families and have enough money for our retirement. Creating a lifetime income thru different investment vehicles, businesses, ventures, pension funds etc. etc.

I will say that everyone of us are capable of creating a lifetime income, it will take time and hardwork. The key is to explore those possible vehicles or money machines.

Here are the lists of popular lifetime income generating assets;

1. Savings account. It will gives you only .025 interest and probably you are dead already before you arrive at 1 million pesos. I include this on the list because this is the most popular in our country. This will not give you a lifetime income better to put your money on other investment instruments. Follow number 5.

2. Joining MLM companies. This way of earning a lifetime income will give you benefits, only  if you are a pioneer and on the top of the pyramid. Be careful to join those scammed MLM companies, thorough research and checking their products should be done before joining on any type of MLM. Many Pinoys keep falling into scam MLM, please don't be one of them.

3. Franchising Business. Franchising is getting popular in our country, there are advantages and disadvantages. Commitment and capital needed on this type of adventure. I failed with my first franchise Pinoy Pao, way back 2010, I'd rather create my own brand and grow it. I joined a franchising company in UAE to understand the ins and outs of this business, soon I will have my own franchising business.

4. Build a great team for business and maximize their potential. I funded the development of different applications and create a great team of developers. Recent accomplished project on Google play ; https://play.google.com/store/apps/details?id=com.athanruiz.psealert

5. Investing in the stock market, earning thru capital gains and dividends. Stock market is risky, if you don't know what you are doing, in the stock battlefield you should prepare your battle gear. I would say, "I succeed already with one of my portfolios, here is the link ; http://www.newbie.ph/2015/04/how-i-turned-400k-portfolio-into-1.html

6. Real Estate. Selling real estates will give you a high commission especially those high end properties. You can also earn thru price appreciation and rentals.

If you are planning to buy a property check all sides of the coin especially location. I'm selling one of my condo properties, if you are interested here is the link; http://olx.ph/item/2-bedroom-condo-unit-in-acqua-private-residences-sutherland-tower-ID6NPHr.html?p=14#ba1839c3d5 .

7. Online business. Now, everything is online. Start creating your own websites and start selling a valuable products. Be the next Jeff Besos of Amazon, Jack Ma of Alibaba, Mark Zuckerberg of Facebook  etc. etc.

I started PAM Academy and I will say that this can be considered as an example of online business but our focus is on education and spreading financial literacy thru this platform, if you want to join, here is the link ; http://www.pamacademy.net/  .

8. Blogging. Creating a blog and start earning thru selling affiliate products, google ads, ebooks etc. etc. are getting popular and can be your vehicle to financial freedom.

If you want to know more, join me on my upcoming Earn 5K PHP webinar on this link; http://www.newbie.ph/p/earn-extra-5k-php-thru-blogging.html .

Start creating your lifetime income.

Sincerely yours,

Jonathan Ruiz
NEWBIE Mentor


10 Lies that we keep telling ourselves.

There are white lies that we keep telling ourselves and we keep hiding it to justify our current situation. 

I would like to share those white lies that you might be suffering right now and you still have time to change them;





1. When I grow up, I want to become a doctor. Our parents wanted to take a path that they were not able to achieved. The lies to take a college degree that your parents dreamed for you. "Okay Lang ang course na to basta masaya si Nanay at Tatay", at the end of 2nd year there are subjects failed and you need to shift for another course.

2. Open a savings account to become financially stable in the future. 95% of Filipinos keep their extra money on savings account that keeps losing value against the inflation rate and witholding tax of 20% from interest.
Bank savings account is not an investment instruments and you will never be a millionaire thru this vehicle.

3. White Collar Job. " It's ok to stay with this job, as long as I able to earn a decent amount".

If you are not happy and forced to stay with your current position because you are afraid not to find a job that you love, then continue wasting your time. After 5 years, "Ang bilis ng araw parang kahapon lang."

4. Lottery. "Pag tumama ako sa Lotto saka na lang ako magiinvest at bibili ng properties". Kahit hindi tumataya, naghihintay na tumama.
99.9% no chance of winning, there is another way to richness except taking the shortcuts that is "Hardwork".


5. It's ok to have a red portfolio in the stock market. No, it's not OK. "Ok lang tataas din yan ", no one can predict the direction of the market  and everyone is "Madam Auring".

6. It's easy to set up a business. It will only be easy if you have enough capital and knowledge. 75% of start up businesses failed in the first 5 years. Commitment and determination needed not only bright ideas.

7. Love at first sight. Better to have a second sight though I experienced it with my wife. "Marami ng hindi naniniwala sa forever dahil sa love at first sight."

8. Traveling and Setting Up New Business at the time of retirement. Don't wait until you hit the retirement age because retirement might not come. Why not take actions now???

9. I'm not IN, if I don't have the latest gadgets. My mobile phone and laptop are from 2011 models, but recently replaced by my new company with latest iPhone 6 and latest Dell model. I realized, it could not add a single "pogi points".

10. It's not worth taking the risks. We keep telling this lies to ourselves, we are not going to succeed if we keep this mindset. The truth, I'm not a good writer but I'm good at earning thru blogging, if I didn't took the risks then this blog will not be able to help lots of newbie in the stock market.

"Marami Salamat Newbie Readers ".

For those who wants to learn extra 5k PHP monthly thru blogging then copy and paste this link 
http://www.newbie.ph/p/earn-extra-5k-php-thru-blogging.html?m=0

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 

Thursday, 2 July 2015

How to make 5k PHP monthly more than your friends?

Living paycheck after paycheck and working hard without any savings at month end is an alarming status. The monthly review of financial standingand net  worth  should be a normal part of your self-evaluation. Probably you are influenced by friends and colleagues, the average salary that you have is the average salary of the people that you spent your  time with, but what about earning 5k more.

I'm not saying that you should push yourself to earn extra and more but having an extra money and savings will result to extra eating at a restaurant, extra time for vacation, extra money for clothes and shoes, extra buying power, extra help for family members in need.

I have few tips to earn extra every month;
1. Find a market for your passion. Every motivational speaker advice to follow your passion but sometimes your passion will not turn into money machines. Find a market first then execute your passion. 

2. Focus on improving yourself. After finding market for your passion, focus on developing yourself in the field. Be an authority and be a master on your chosen field.

3. Money follows. Sometimes you will feel tired and not seeing money results, as you work hard on your extra, your patience will be tested and one day you will wake up with an email from PayPal or Google wallet;

If you want to learn more about earning extra 5k, join me on this link;http://www.newbie.ph/p/earn-extra-5k-php-thru-blogging.html?m=0

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 

Wednesday, 1 July 2015

The Year of More

More than 1 language.
More than 1 skill.
More than 1 passive income.

This post is inspired by Ramith Sethi, best selling author I will teach you to be rich. A quote from him "I realized that most people want you to stay exactly where you are in life — and if you explicitly talk about how you want more, they get really uncomfortable."

I know most of your friends will say be contented at your white collar job, a small house and a once in a year vacation. We have a different preferences in life but we could go for more or stay at our comfort zone. 

I decided that I will have a year of more and continue with a different journey.

More than 1 language.
I will learn a new language which is Arabic and this is my fifth. As you know that I recently moved to UAE, it will be an added advantage to speak the local language. If you are OFWs, please learn the language of your host country, there are many Pinoys abroad making this mistakes because of mindset I will go back to Phils. very soon but they end up staying 20 yrs.

Learn a new language


More than 1 skill.
I'm doing a Barista training, in preparation for my future coffee shops and restaurants. Learning a new skill, it will put you one step ahead of your peers.Learn the skill that you need for your future business endeavors.


More than 1 passive income.
Think of another passive income sources, I'm trying really hard to add blogging ads as one of my stable passive income of 5k monthly, to tell you frankly I almost hit it every month. If you want to have more passive income, please join me and follow the procedures on this link http://www.newbie.ph/p/earn-extra-5k-php-thru-blogging.html

5000 PHP Extra Monthly


This year will be a year of more for everyone, more fun investing and trading, more success, more passive income and more results.

Have a year of more.

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 

P.S. I noticed that you are looking for a school of learning, join me at www.pamacademy.net 


Savings Plan for Financial Freedom

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