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Showing posts from November, 2015

My Personal Habits to Reach Financial Freedom

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


Let me share with you my habits to reach financial freedom;
First, Increase Cash Flows. Cash is the lifeblood of a business same applies to our personal lives, literally no cash - no buying power. Try to have promotions, do an extra hours or freelancing, sell something, and create more money machines.
Second, Budgeting. You will not believe every week someone will ask for cash advance from me. I realized that I'm not helping my colleagues by giving them their cash needs so I will teach them about financial budgeting. Live within your budget and don't live with credit cards budget.
Third, Keep your promise. Learn to pay on due time such as condo amortization , personal loans, utility bills etc. etc. It will help you avoid paying p…

How to achieve Greatness in Life?

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


I would like to share  8 focus and continual improvements to achieve Greatness in Life:
1. Create a Vision. You should create a vision of yourself, it's your map to your dreams and goals. Determining the place where you want to go. To be an entrepreneur, a great writer, a lawyer, a doctor etc. etc. Have a vision.
2. Turn adversity into advantage. No one will achieve greatness without facing adversity. I personally experienced the adversity when I worked as a dishwasher at a young age and maltreated by the Chef, now I'm a Chef and teaching others to become great on what they do.
3. Cultivate a Champion's Mindset. You are a champion. This is the mindset on how you should view yourself and the world. Greatness takes root on a mindset.
4. Develop a hustle. You will accomplish a goal but you should not stop hustling. When I started out in the stoc…

How to identify undervalued stocks?

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What if you can easily identify undervalued stocks?


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


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

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

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

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




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


In the figure above the earnings or operating revenue are 500 PHP  Million higher compared to last year's performance.
Third, Buy it at the 52 week low and sell once you are contented with gains.

This stock is on a pullback as of this writing 11/11/2015.
Fourth, Download PAM PSE TRACKER for easy monitoring of stocks: https://play.google.com/store/apps/details?id=com.athanruiz.pam&hl=en
Sincerely …

How to get the life that you really want?

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

He said on the book not to limit ourselves and place unnecessary limitations on our lives. He recommends to wake up early in the morning and do S.A.V.E.R.S.
S - Silence. Sitting in silence, praying, meditating, and focusing on your breath, for 10 minutes everyday. The hectic schedule and chaos of our daily jobs took away the time to silence ourselves.
A - Affirmations. The power of affirmation is a reminder of who you are. Here is my own affirmation " I'm a great Father, Husband, Entrepreneur, Mentor, Best Selling Author, Best Finance Blogger, Money loves me, God loves me and Blessings will pour out where I'm standing."
V- Visualization. Visualize your dream and vision of your future. This idea taken from "The Secrets" book.
E - Exercise. Health is wealth. 30 mins walk or run a every morning will change the entire outlook of the day. You will…