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; https://play.google.com/store/apps/details?id=com.athanruiz.pam&hl=en


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
NEWBIE Mentor
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: http://www.pamacademy.net/

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; https://play.google.com/store/apps/details?id=com.athanruiz.pam&hl=en

Sincerely yours,

Jonathan Ruiz
NEWBIE Mentor

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 : http://www.newbie.ph/2015/04/how-i-turned-400k-portfolio-into-1.html 

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: https://play.google.com/store/apps/details?id=com.athanruiz.pam&hl=en . 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
NEWBIE Mentor

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 https://www.youtube.com/watch?v=ZghPv3rvzkY

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
NEWBIE Mentor

P.S. If you are looking for great app in the stock market, download here: https://play.google.com/store/apps/details?id=com.athanruiz.pam&hl=en

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 www.pamacademy.net


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
NEWBIE Mentor

Tuesday, 1 September 2015

Which Cashflow Quadrant do you belong?




The cashflow quadrant is the idea of Robert Kiyosaki's rich dad. Rich dad advised Robert to focus on (B) business ownership and (I) investing while Robert's poor dad focus on getting good grades  and high paying jobs that will push you to (E) employees and later (S) self employed quadrants.

Let's have a reality check of which quadrant you belong at the present moment.

E - Employees quadrant. If you are working for someone and waiting for paycheck at the end of month, promotional increase and doing lots of overtime then you belong on this quadrant. The sad part if recession strikes and company suffered then you will be on a big mess. 

Strategy- build a skill and develop your talents. Start building funds and capital for future needs.

S - Self-emoloyed. This quadrant includes Doctors, Lawyers, Accountants etc.etc. highly specialized individuals that are paid hourly rates. The disadvantage if they suffered from sickness then income stops and usually taxes eating their payout.

Strategy- Start investing excess amount in different financial instruments. Look for a business opportunity in your field.

B- Business Owner. This is an exciting quadrant in which you should try to move. The strategy imposed by individuals on this quadrant is OPT, they used Other People Talents. They are owners of 500 fortune companies and other big businesses that E  quadrant individuals are working for them.

Strategy - continuous learning and building different businesses.

I - investors. The strategy implemented OPM. They used Other People's Money. A good example is Donald Trump, he barrow money to finance his real estate business. Another example is Warren Buffet, the father of value investing, he grew his money through stock market by picking right companies and reinvesting the dividends.

This quadrant should be the vision of every Pinoy OFWs and retire rich and wealthy.

Which quadrant do you belong?

Sincerely yours,

Jonathan Ruiz
Newbie Mentor
P.S. I would like to share this recognition to all PAM students. Mabuhay PAM Academy !!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: ...