Tuesday, 24 November 2015

My Personal Habits to Reach Financial Freedom

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 penalties.

Fourth, Keep investing. Discover other types of investment instruments aside from time deposit, paluagan and mlms. 

Fifth, Give and give. Give and you shall receive. Giving will be a part of your journey if you are the "Go to Person" of your family or friends for financial needs, it means you are a "Giver" and stepping into Financial Freedom status.

The truth, it's not only 5, there are more. Feel free to share your habits to reaching Financial Freedom.

Sincerely yours,

Jonathan Ruiz
Newbie Mentor

P.S. Thank you for more than 10 000 downloads of  PAM PSE TRACKER: https://play.google.com/store/apps/details?id=com.athanruiz.pam&hl=en. I will be launching another app for budgeting, keep in touch.

Wednesday, 18 November 2015

How to achieve Greatness in Life?

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 stock market as a mentor I thought that I will not be able to succeed but everything paid off, https://www.yhttps://www.youtube.com/watch?v=uUtYxIZpMMUoutube.com/watch?v=uUtYxIZpMMU

5. Master your body. No one chooses the body they're born with but you can choose to build and maintain your health. Are you taking care of yourself?

6. Practice positive habits. Practice all over again. A positive habits can help you achieve the desired goals. I'm adding on my everyday activities a 3 mins gratitude declaration. What are the positive habits that you practice everyday?

7. Build a winning team. Success is a shared process. PAM Ana and Prof Leo are assets on PAM Academy team and I have a great team of developers especially for my upcoming app:



8. Be of service to others. Helping and giving back to others are best gifts we can give. Share your blessings to others.

Looking forward to your Greatness,

Jonathan I. Ruiz
Newbie Mentor 

Tuesday, 10 November 2015

How to identify undervalued stocks?

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 yours,

Jonathan Ruiz
NEWBIE MENTOR

P.S. For a special online course about PASSIVE INCOME, here is the link: http://pamrichfriends.com/roadmap-to-1m-php-passive-income/

Monday, 2 November 2015

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 feel energize and inspire to start the day.

R - Reading. Take time to read in the morning. You can get an idea and could motivate for the rest of your day that might change your future.

S- Scribing. Journaling part. You are the scriptwriter of your life. You need to journal the things that you are proud of and the commitments for your new lifestyle.

Excerpt From: Elrod, Hal. “The Miracle Morning: The Not-So-Obvious Secret Guaranteed to Transform Your Life (Before 8AM).

Sincerely yours,

Jonathan I Ruiz
NEWBIE Mentor
P.S. Here is the link from my previous stock market webinar: https://www.youtube.com/watch?v=NZcML31cJFk

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