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Showing posts from December, 2015

How to avoid 2015 money mistakes?

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Every yearend we prepare new year's resolution but most people they don't include money, the results same money mistake and same financial difficulties.
I would like to share with you, how to avoid 2015 money mistakes;
First; Financial plan. Planning your finances, know where you going to put your extra income and maximize your savings. How much will be the total value of your stocks portfolio? What will be the sideline business to start?

Second; Budget. Create a monthly budget. This will take 10 minutes of your time but many OFWs don't really appreciate the art of budgeting. To help you on this part, here is the link for budgeting app;https://play.google.com/store/apps/details?id=com.ps.iprosperapp&hl=en
Third; Keep your spending low. Don't catch up with joneses. Many high income earners spend even more than their paycheck. A fishball vendor have more savings than those holding blue collar jobs. It is not how much you earn but how much you save.
Fourth; Ignoring small …

Important Lessons in Closing Year 2015

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It's time to closed the books of year 2015 and open the year 2016. There are a lot of great things happened in my personal life that will be a part of my life story and memories that I could share to my grand kids in the future.

Join me to closed the Year 2015 and let's open the year 2016 with a BANG!!!


First, I renewed my Faith to God, one of the hardest because of many factors such as my past, career, hurts, failures and ambitions. I realized that his with me "All the Time", every moment that I'm falling rock bottom, he will push me to stand up again. Start the year 2016 to work out your spiritual relationship.

Second, I moved from Norway to UAE. I'm used to moving from one country to another, this is a very special moved because for the reason of reunification with my wife. A bonus received "A Lovely Baby  Daughter, Athena".

Third, Family that prays together, stays together. Prayer is a very powerful tool, miracle can happen to any member of your fa…

What if today is your last day?

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Yesterday I experienced a terrifying event, I took a bus going home, in the middle of the road it suddenly stops and smoke and smells inside of a burned rubber. Passengers start rushing to get outside, the terrifying part, I'm sitting second to the last seat. 
I'm seeing the smoke covering the inside part of bus, happy memories flashing back my head and the smile of my baby and wife. When I got out of the bus, I prayed to thank God, it's not my last day.



I pictured a scenario, what if that was my last day?
How will I answer the following questions?
What will happen to my family? What will be the reaction of my families and friends? What will happen to my businesses and works? How will people remember me as a person? What are the questions God will throw once I encounter him? Did I live fully and according to his purpose?
Tomorrow will be the last day of year 2015. I would like you to join me in reflections of the above questions. Answer them honestly and start writing wha…

Merry Christmas - Isang Pasasalamat

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Christmas is the celebration of commemorating the birth of our Savior, Jesus Christ. This is the time to remember that we are saved by God's grace and love to humanity.

Before everyone gets busy, let me personally greet all of you "MERRY CHRISTMAS" AND THANK YOU FOR EVERYTHING. "



To All the Newbies in the stock market and PAMers, MABUHAY PO KAYO!!!

Spend your time with your Families and Friends and Enjoy the Seasons with Love and Joy in Our Hearts.

Sincerely yours,

Jonathan Ruiz
NEWBIE MENTOR

P.S. I might not be able to give a gift to everyone materially but this application can help you in your journey to Financial Freedom, iProsper : https://play.google.com/store/apps/details?id=com.ps.iprosperapp

What is your ideal retirement?

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Retirement - the act of leaving one's job and ceasing to work, giving up work, stopping work. As wikipedia defined it, a point where a person stops employment completely.

This is a goal of every Filipino OFW's to stop working abroad and go home to spend time with their families back in the Philippines.This is the time that you don't need to work and received money from your pension plans, government (SSS), retirement funds etc. etc, This is the ideal meaning of retirement for most of us.

I have done mini retirement in the past, I did n't worked for 8 months and depend on my passive income sources: https://www.youtube.com/watch?v=fIL-qMvEqcA  but recently joined a start up company in UAE. I experienced retirement for a short period of time and now,

I made a concrete plans for my next retirement.

First, I will have more than enough money to spend for extra leisure such as travelling, eating at finest restaurants, donating more on charities and foundation.

Second, I will co…

How to send Passive Income Automatically to your Bank Account?

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To escape the rat race, you need to exceed the passive income vs living expenses. The income from side businesses and extras outside of your regular monthly paycheck. It's also very important to make it automatic, there is no need for tracking.

Yesterday, I received my notifications from different sources:

Blogging Income:




















Google wallet account, set up for blogging ads and selling applications.

Rental Income:




















This is from rental income in trip advisor.

For selling ebooks, I used PAYPAL account as well as for PAM Academy, www.pamacademy.net 


Start creating money machines and live with your passive income as preparation to your early retirement.


Sincerely yours,

Jonathan Ruiz
NEWBIE MENTOR

P.S. For monitoring and budget tracking, download now :https://play.google.com/store/apps/details?id=com.ps.iprosperapp

Earning more money is a skill

How to earn more money ?
I worked as a Chef, Marketing Director in Real Estate, Cost Controller, Blogger and Financial Advisor those are positions I took in the last 10 years. The truth, I'm trying to figure out which position will fit to my future goals but money is  a part of consideration, from being a Chef jumping to Cost Controller is 50% more pay. Blogging is a challenging endeavor, it took 2 years for monetization.
Developing skills will be part of your journey to prosperity. You can get promotions, partime consulting job, and  start your own business.
Aside from developing skills, developing key habits and attitude change will gives you more money;
1. Surround yourself with rich minded people. "Your net worth mirrors the level of your closest friends"- Siebold. If you are hanging out with those happy go lucky friends then there will be no difference in your lifestyle.
2. Read books. Rich people choose to read to increase their knowledge instead of watching TV.  I fini…

Why you need to feel the pain in investing?

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" Kailangan niyang masaktan para malaman niyang buhay sya." ( She needs to feel the pain, for her to know that she is alive).

A hugot line from the movie Ex with Benefits when Dee's telling the story to Arki how she suffered birth complications of not crying during the delivery.
Newborn babies should cry immediately after birth to get oxygen or else it will suffer a complications on the brain. 
It is synonymous to our journey to financial freedom, we are going to suffer from different levels of pain to be successful;
1. Working hard now and reap the benefits later. It could mean getting promotions, working overtime, and hustling on your business to take more cash into your pocket.
2. Delay gratification. Drinking 3 in 1 instead of coffee from Starbucks. Taking the bus or car lift instead of driving. Small things that could give extra savings.
3. Studying and reading books. Discipline yourself from being online every 30 mins instead spending time reading books related to…

iProsper as a Tool to Financial Freedom

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11 For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future." Jeremiah 29:11
Prosperity is one of God's plan for everyone. He gave us already a future plan and what we need to do is take action.
Discipline will be a part of your journey to prosperity. Probably, you received the Christmas bonus or spent already. If you cannot remember where the last year's bonus spent then it will be same scenario today.
I developed a budgeting application in Google and iOS which I called iProsper. It will help everyone to prosper thru proper budgeting, tracking of income and expenses and reminders of upcoming bills. The budget formula is inspired by Borther Bo's prosperity formula of 10-20-70.


The total income distributed in different percentage allocations:
10% goes to tithes, this is your commitment to God to give. It can be more.
20% savings fund, it could be mutual funds, stocks, real estate etc. etc. and oth…