Monday, 19 December 2016

Steps to Filipino Financial Freedom

As I travel this morning to work, I'm reading book of Chinkee Tan, Till Debt Do Us Part, I want to share with you his Six Sequential Investment Strategies to Financial Independence but I will call it, Six Steps to Financial Freedom and share my opinion on those steps;

First, Get Out of Debt. It starts with clearing your debts. Face it, many Filipinos are buried with debts due to spending habits whether small or big amount "PAY IT". "It is in our willingness to pay".

Second, Set Aside Budget for 1 to 2 Months Emergency Funds. If you are earning 15000, then you should have 30000 in your savings account. This is called restricted funds and should be use for emergency ONLY. Start building your emergency funds.

Third, Set Aside Another Budget for 3 to 6 months Long Term Savings.  From example above then you should have 90 000 long term savings in a time deposit or bonds that can earn a higher interest compared to savings account. The importance of 2nd and 3rd steps are for future storms that in case you lose your job, you will have at least 8 - 9  months worth of living expenses and within that period you can find a new job or start a business. There is no panicking and stress.

Fourth, Make Major Purchases. This is the time you are allowed to make major purchases after establishing steps 1 to 3, you can buy your car, vacation, gadgets, or down payment for house. In this fourth step you will have enough cash in your pocket. Don't skip steps 1 to 3, which most Pinoys are doing.

Fifth, Make Long Term Investments. It includes educational funds, pension funds, retirement funds, real estate property etc. etc. This step is for future protection and brighter future of your family especially if you are the bread winner.

Sixth, Invest on Speculative Stocks and High Risk Investments. You arrived at the sixth steps because you have enough knowledge and extra funds to invest on high risk investments and this is not for everyone.  Rules of Investments:

Rule No. 1 Never invest in Something that you do not understand no Matter How Profitable It Might Be.

Rule No. 2 The Higher The Interest, The higher the Risk.

From my real life experience, I invest on Poultry farming and trust the person in charge but without proper research and knowledge, the business went buzz and now trying to recuperate the capital invested. I was attracted with high interest returns on the proposal but without knowing the high risks attached I made a mistake. Learn from my experience.

Start your first step to Filipino Financial Freedom.

Sincerely yours,

Jonathan I. Ruiz, CPA, MIB

P.S. Credit to my Mentor Chinkee Tan Book , Till Debt Do Us Part.

Friday, 16 December 2016

Pay back your Utang!!!

Utang or debt is a very important lesson that you need to understand to achieve financial freedom. To have a financial freedom, you should have a debt free life. Don't bury yourself with credit card debts or personal loans.

Reasons Why you cannot get out of debt:

First, "You are Spending more than what you are Earning", it means you are living above your means as the popular advice of financial advisors "Live below your means" but many are not following this advice. The attractive promos of credit card companies with 10 - 20% cash back every time you spend, it makes you blind on interest rates, service charges, and penalties for late payments.

Second,  "Hindi ka IN kung wala kang Latest Gadgets", there is a long queu line on Apple stores every time they released a new version of iPhone, I lost my count on the versions of iPhone. The peer pressure and media advertisements  (special offers, no down payment, zero interest rates) push you to spend and take a monthly installment plans for gadgets, cars, appliances,  etc. etc.

Third, "Pahiram naman , bayaran ko agad may Emergency lang".  "Gasgas na phrase ito". We keep using it every time we don't have enough money and continuously borrow from our families and friends until we cannot keep up with the promise date of payments. "Dagdag ka lang ng dagdag ng utang at hindi ka naman nagbabayad."

Three Practical Tips on How to handle utang:

First,  Pay back your Utang, Pay first the highest interest rates  among your debts and it should be prioritize or negotiate with the banks or institutions to restructure or buy back the loans at a lower interest rates.

Second, Build your emergency funds, "Marami ang nababaon sa utang dahil sa mga emergencies at ang unang tatakbuhan ay 5, 6 or bombay". You should build emergency funds for unexpected events or storms in life, it can be your protection for financial problems. Start building your emergency funds.

Third, Utang only for Good Debts, "I said avoid only bad debts", there are investments that you will encounter along the way and there are possibilities you don't have extra cash, this is the time you can "Utang for Good Debts" . For example: Rental properties, borrow from the banks to buy property that you can rent out, use the power of leverage.

I'm looking forward for you to get out of debt.

Sincerely yours,

Jonathan I. Ruiz, CPA, MIB

Sunday, 20 November 2016

Start building your own Business NOW

Why do you work abroad?
I want to give brighter future for my family and save for my retirement.
What are you going to do after working abroad?
I'm going to start my own business.
This is a usual conversation of OFW's, after years in abroad most of them will start their own business. High percentage of failures are happening to start up businesses and some will end up going back abroad.

There are 5 signs that will give you an idea that you are ready to start your own business:
1. Knowledge . You need to be knowledgeable on the field to start a business. For example; Start a restaurant what if you don't know anything but only eating and your past experience are on HR administration. The right step is to read books, attend food tasting and seminars to have an idea of what is the trend in the industry.

2. Capital . Enough capital. You need to build a foundation of your finances. You should have enough savings for emergency, pension funds, health insurance, life insurance, and cash flows from passive sources aside from your business. In case you fail, then you will not have financial problems and get into mountain of debts.There are many ways to get a capital thru angel investors, venture capitalist, banks, and other start up platforms.

3. Right team. Get the right people to be on board on your business plan. Most businesses failed because there is no team work and support from the people. Don't hire somebody unless you've done a background check.

4. Innovative products. Products should be innovative, high demand, and solve issues and problems of many. Check the potential customers for your product or services. It's not enough to have a product that no one will buy, but getting the right product at the beginning is a must.

5. Business plan. Prepare a business plan from A to Z. Some businesses started without any plans only thru trials and errors, but if you are an OFW without enough experience then better to prepare a business plan.

Sincerely yours,


P.S. If you have a business idea and plans for the future, share with us and will help you find funding.

Friday, 4 November 2016

Getting Out of Debt

"Utang, Pagkakuha ng Suweldo, Bayad Utang.
Pagkabayad Utang! Dahil Kulang Ulit,
Utang! Pagkakuha ng Suweldo, Bayad Utang.
Pagkabayad Utang! Kulang! Paulit ulit -lang.
                                                           - Chinkee Tan

Unending debt cycle. Getting out of debt is the first step in achieving financial freedom. You should work out on your debt status before starting to invest in different financial instruments. Probably you will say that there is a good debt and bad debt, Yes but debt is debt.

It can start at a very small amount of loan or credit card consumption. This debt can build overtime then it will become a mountain that cannot be move. This is a place where everyone fall into trap.

Here are my tips on how to handle debts:

First, Pay all the debts slowly but surely. There is no point of adding additional debts if you still have an existing one.

Second, Look for a lower interest rates. If you have an existing debts, try to look for a bank that can purchase the loans and get a lower interest rates.

Third, Pay the highest interest rates debt first, especially those compounding every month or year.

Fourth, Don't be late on any payment schedule because interest and penalty will only add up to your existing loans.

Fifth, Use credit card only for points or miles. If you don't know how to use credit card properly, then it's time to cut it off.

Those are very practical tips on getting out of debts, see you on Financial Freedom ladder.

Sincerely yours,

Jonathan I. Ruiz CPA

Friday, 28 October 2016

Steps on Creating Monthly Passive Income

Everyone wants to live a life free of financial worries, I keep trying to venture with different businesses, sidelines, hustle, etc. etc. I worked in real estate 4 years ago and today claiming the fruits of my hardwork.

I received my unclaimed commissions from May to Sept 2016 in my previous real estate deals.

I would like to share with you tips and my personal experience in achieving my goals of  creating passive income of 1M PHP monthly. 

I'm on my way to achieve this goal, it was tough there are many challenges and trials along the way but I keep standing and  focusing on the goal.

Here are few steps to follow:

1. Find your strength. Don't focus on your weaknesses instead make your strength to be at a world class standard. For example ; I worked as a Financial Controller, I keep improving myself in fundamental analysis, reinforce my education and  credibility (I recently passed the CPA Board Exam).

2. Create New Ideas. Think of something different that can solve somebody's problem. For Example ; Investors and traders problem on maintenance of broker's platform, I developed an application in which they can monitor their stocks everywhere and anywhere PAM PSE Tracker  .

3. Monetize the idea. Start looking at the possibility of income generating sources in your strength and ideas. For Example: Create an Ebook for stock market newbies ( ) , make an online school ( ) and develop an application etc. etc.

I'm looking forward to your Financial Freedom.

Sincerely yours,


Sunday, 16 October 2016

Create a SMART Goals !!!

Everyone creates goal but not everyone make it SMART:

S - Specific
M- Measurable
A - Attainable
R - Relevant
T- Time Bound

Goal should be Specific. I want to achieve Financial Freedom, this is very vague, instead I want to hit 1 Million PHP Passive Income Monthly by June 2017.

The goal can be Measured thru numbers, results and outcomes. You can execute a plan to hit the goals. How can you hit the 1 Million Goal Passive Income?

Goal can be Attained. Attainable thru action steps or plans. Start creating money machines and take small steps toward the achievement of 1 Million Passive Income. Start a blog, invest on stocks, and mutual funds etc. etc.

Goal should be Relevant. Some questions that you need to answer, Is your current work relevant to your goals? Is it pushing you to the right path to your goals?

Goal should be Time bound. Do you have a set deadline? Is it possible to achieve on the set timeline? Are you following the required steps to achieve the set goals?

If you don't have a SMART goals, start to formulate one.

Sincerely yours,

Jonathan I. Ruiz

P.S. Credit this post to How to set smart goals? by John Lee Dumas, Entrepreneur On Fire.

Monday, 10 October 2016

Bad Debts VS. Good Debts

Bad debt is debt that makes you poorer, such as credit card debt, car loans, and more. This is the type of debt used to buy liabilities.

Good debt is debt that makes you richer, such as a loan for investment property or to purchase equipment for your business that will make you a return. This is the type of debt that is used to buy assets.

Personal loans, business loans, consumer loans, car loans, student loans, mortgage, credit card loans etc. etc. At some point of our lives we are buried with BAD DEBTS or GOOD DEBTS, frankly speaking, I myself been into the bottom. My student loans, personal loans, credit card loans piled up in the past.

I'm thankful that I'm almost cleared with those loans and getting clean. The truth, I only took loans for necessary things and for emergency purposes and good reasons.

Here are some of my  "GOOD DEBTS" ;

First, Student Loans for my "Master's Degree". This is not an easy decisions to pursue a Master's Degree especially if you are planning to take it abroad. I got 30% discount from tuition fee and did not pay the rest of amount until after 6 months of graduation, few months left and fully paid. Here is a video of my experience HULT LIFE .

Second, Condo / Mortgage . I got a 5.4 % interest on my condominium loans which I think the lowest interest rate from the bank 5 years ago. I did not pay for any downpayment and the bank directly paid for whole amount of the unit. There are few year's left for the mortgage loans but currently "Tenants" pay for my amortization in the bank.

1BR Unit

Third, Personal Loans. I used the bank's money for my projects such as PAM PSE TRACKER  (stock market app) , iProsper App  (budgeting app) and other investment opportunities. Some of the projects already recovered the initial investments and now I'm collecting the fruits of the project.

You can carry a loans, if you have assets paying for it. 

Try to manage your debts at a level that you can pay it at any moment.

Looking forward to your financial freedom.

Sincerely yours,

Jonathan I. Ruiz

Saturday, 8 October 2016

Wasted Time = Wasted Money

I'm trying to be productive and manage time wisely, as they said "TIME IS GOLD" but in reality "TIME IS MONEY". Probably you are working full-time 9 - 5 hours worked, received monthly paycheck according to hours worked. Sometimes, you are working extra hours and get paid for overtime.

Of course, there a lot of interruptions that cut your time such as facebook notifications, email alerts, browsing and navigating in the net, more or less it will be equivalent of 1 hour or more in  a day. Try to cut the wasted time instead spend it for quality time:

Here are some activities that cost us money:

1. Gossip meeting. Only attend meetings that are necessary, if you are working in an organization that focuses on teamwork, you will have at least 3 meetings in a week. Check the agenda of the meetings before attending, probably less time will be wasted or ask your secretary to attend the meeting if your presence are not necessary.

2. Reading news. If you are reading the news, you might be checking too much to keep yourself updated about current events. Check only that interests you and related to your industry work.

3. Removed Outdated Processes. I noticed that there are still a lot of companies having too much papers stock for filing when in reality you can do it with paper-less transactions and  manual or spending extra time. Take time to update your processes and take advantage of technology.

4. Complaining / Procrastination . If you start the day procrastinating, guaranteed that you will ruin your day and spend your time to unnecessary tasks. Start the day with gratitude and affirmations. Plan your day.

5. Spending too much time on Social Media. This eats a lot of your time. You signed up for facebook, instagram, google, snapchat, twitter,  linkedin etc. etc, You keep updating yourself every 30 minutes and keep stalking to your ex-es and friends, thinking that you might be missing out important events.

Have a Productive Weekend.

Try to spend your extra time for your family.

Sincerely yours,


Wasted Time = Wasted Money

I'm trying to be productive and manage time wisely, as they said "TIME IS GOLD" but in reality "TIME IS MONEY". Probably you are working full-time 9 - 5 hours worked, received monthly paycheck according to hours worked. Sometimes, you are working extra hours and get paid for overtime.

Of course, there a lot of interruptions that cut your time such as facebook notifications, email alerts, browsing and navigating in the net, more or less it will be equivalent of 1 hour or more in  a day. Try to cut the wasted time instead spend it for quality time:

Here are some activities that cost us money:

1. Gossip meeting. Only attend meetings that are necessary, if you are working in an organization that focuses on teamwork, you will have at least 3 meetings in a week. Check the agenda of the meetings before attending, probably less time will be wasted or ask your secretary to attend the meeting if your presence are not necessary.

2. Reading news. If you are reading the news, you might be checking too much to keep yourself updated about current events. Check only that interests you and related to your industry work.

3. Removed Outdated Processes. I noticed that there are still a lot of companies having too much papers stock for filing when in reality you can do it with paper-less transactions and  manual or spending extra time. Take time to update your processes and take advantage of technology.

4. Complaining / Procrastination . If you start the day procrastinating, guaranteed that you will ruin your day and spend your time to unnecessary tasks. Start the day with gratitude and affirmations. Plan your day.

5. Spending too much time on Social Media. This eats a lot of your time. You signed up for facebook, instagram, google, snapchat, twitter,  linkedin etc. etc, You keep updating yourself every 30 minutes and keep stalking to your ex-es and friends, thinking that you might be missing out important events.

Have a Productive Weekend.

Try to spend your extra time for your family.

Sincerely yours,


Thursday, 6 October 2016

5 Ways to Make Money While You Sleep

I keep  looking at ways on making money without exerting too much effort, the two key words "Passive Income". I want a lifestyle that I can have cashflows overflowing in my bank account. There is no need for me to work fulltime, I can spend more time with my family and travel the world. Probably this goal will take longer than 5 years from now.

I'm trying to work on these 5 money machines and targeting to exceed my monthly fulltime income:

Here are 5 ways to make money while at sleep:

1. Starting a blog. Find a niche and start creating a quality content for readers that can be turn into paying customers. You can set up a free blog site at blogger and wordpress. My 2 weeks blogsite that I'm working out right now that there will be a potential passive income:

2. Create Digital Products. It can be an ebooks, newsletter, guide and online courses. The trend in publishing is promote yourself or self-publish. I wrote few ebooks in PDF file which is now giving a good amount of sales monthly as well as a hard bound book. The most recent book I launched "NEWBIE BOOK".

3. Affiliate Commission. Selling product of a friend or a trusted company. There are many multi-level marketing company that introduces a good amount of shares or return once you sell their products. Example: Truly Rich Club

4. Sell Ads . There are many ways to sell advertisement thru your blog, events, website, apps, stores etc. etc....

5. Investing on Dividends Stock. I call it Dividend stock because I only buy stocks that are regularly giving dividends.

When you invest in stocks you become a stakeholder, that entitles you to a share of their profits which the company will distribute as dividends.

Taking small steps everyday will be the best way to start.

Looking forward to your financial freedom.

Sincerely yours,

Jonathan I. Ruiz
Newbie Mentor

Monday, 3 October 2016

Abundance Now!!!

I believed everyone can have abundance in their lives. We can amplify our lives and achieve prosperity today.

I'm reading the book of Lisa Nichols and Janet Switzer -Abundance Now, I would like to share with you the formula of getting rich. Again, this is not a "get rich quick scheme" but a tried and true formula for amassing substantial wealth over time.

Here is the summary:

1. Write a budget  that tells you every month where your money should be spent. Include savings and investments- in any amount - as just another expense you pay along with your groceries, rent and electric bill. If you need a budgeting app, here is the link .

2. Get Out of Debt. Pay off your smallest debt first, then apply that now-available debt payment toward paying off larger debts.  Keep going until you have zero debt- except for your mortgage(and many people pay that off too). Get rid of excessive credit cards except one that you use for necessary purchases or emergencies.

3. Find an additional revenue stream specifically so you can put that money toward saving, investing, or debt reduction purpose. If your additional revenue is a second job, take that job with the intent of staying and earning only as long as you need to get your finances in order. Invest your second paycheck 100% into your financial goals.

4. Begin strategically to find ways for your money to multiply itself. There are three basic ways for money to multiply- and some don't require your oversight. The first is to simply open an investment account that uses mutual funds to invest your money on stocks and bonds.Second,  develop a product or service of your own and start a business to sell it. Third, you can invest your money in other's people's businesses after carefully investigating the company, analyzing it's history and assessing its future.

Create your financial abundance for yourself and loved ones, it's time to activate the entire formula.

Looking forward to your abundant life.

Jonathan I. Ruiz

Saturday, 24 September 2016

1M Loss Due to Hype

I would like to give my opinion to a newbie who recently posts his portfolio in IPSM.

As per his posts;

He said,  this is his only money left for retirement, and he recently started last June 2016 in which index is at a high level 7800. He lost already 1 M thru following hyped stocks and took  risky moves, I believed his trading for a short term gains and trying to get a piece of pie very quick. 

To be honest this is a dangerous move especially if you are already on your retirement age. This money on his account can be wiped out easily. He should handle this money in a cautious way.

How will I manage the remaining 3.8 M pesos left on this account?

If he is receiving a monthly pension, no problem with house rent, no dependent, secured with health and life insurance, I will say nothing to worry about and start to fix the problems today. But if you don't have any of these then reflect and plan today.

First, Pull out 6 months of living expenses in the portfolio and put it on 6 months time deposit. This money can be used for emergency and roll out every six months.

Second, Reduced the portfolio into 4 stocks for easy monitoring. Understand the strategy for each stocks, if you are planning to used the money for a leisure travel or future project after 5 years, then one or two stocks for long term. 

Third, He mentioned that he does n't have any source of income and expecting of getting his daily living expenses from this portfolio. The truth, it will be hard, Take it from me I retired ( )and did not work for at least 8 months in the past and tried to live with the trading gains, it became a seasonal income due to hard predictions of market movement. Study and gain experience on this field, it's nearly impossible to beat the market.

Fourth, Pick a good stocks for Dividends, those stocks that consistently giving a yearly dividends, you can expect a passive income aside from capital gains.

Ex: If you have 10 stocks that will give 5000 pesos cash dividends in a year, then it will be a 50 000 PHP passive income.

Fifth, Find a part time job or get a small amount of money to start a business. Make sure that the business will be related to your past experiences and you have passion for it to avoid failures. This will help you get busy during retirement or do volunteering work for small allowance.

* Don't follow any recommendations unless you did your homework.

Sincerely yours,

Jonathan I. Ruiz

Disclaimer: The blog post is for informational purposes only, it's not a recommendation to follow. There are more information needed such as age, risks appetite, financial situation and knowledge of the newbie.

Have a great Sunday.

Thursday, 22 September 2016

Tested Strategies for Saving 10k

Newbie mentor is back. I took holiday on blogging, investing, trading, and building passive income. Starting today, I will write and share again about the basics of saving, investing and building passive income while living a life of freedom.

Everyone asking about saving and investing;

How to save 20% of your monthly income?
How to invest for retirement funds?
How to enjoy life while living frugally?

I have five strategies to share and these are easy to follow;

1. Keep a record of your daily expenses. You will not be able to save, if you don't know your spending. Probably, you have a fixed income monthly and set a budget for rent, utilities, food, etc. etc. Try to look at where to cut your expenses, for example : TFC subscription ( no need for it, now everything is available online or change for a better package).

2. Look for special offers. There are  lots of 2 for 1 offers in different websites Cobone, Groupon, Zomato etc. etc. This applies in shopping and groceries, alert yourself with "SALES". I bought a toys for half a price the other day and saved few bucks.

3. Automate your savings. Set an automatic debit for your savings account, this is very important especially if you are starting out and building emergency funds. After you build the emergency funds, we can talk about investing. This is a challenge to discipline yourself on finances.

4. Collect points. If you are doing a regular purchase, then get their loyalty card. This is also applicable in collecting miles point and credit card points. You will be amazed of freebies later.

5. Set a saving goals. Everyone knows how to save and everybody talks about it. The question is " Did you hit your saving goals?

Sincerely yours,

Jonathan I. Ruiz
Newbie Mentor

P. S. Don't delay your saving goals.

Wednesday, 20 July 2016

Creating a Lifestyle with Passive Income

I keep receiving inquiries about stock markets, blogging, mutual funds, investments and Google apps, the truth I diverted my attention to family life and finishing my unfinish dreams. It's quite a while that I did not write anything in this blog, to my avid readers thank you for keeping in touch.

I would like to share with you, what happen with my passive income in the past months? More or less still receiving 50 -to 70k.

Again, to define passive income earnings derived from rental properties, dividends, and investments with little effort required or not being materially involved.

Property rentals, if you will remember I'm renting out my units in AIRBNB, so I decided to take it out from the site and rent it for long term. Now, it's rented for one year without the need for me to updates the AIRBNB site and communicate with the potential tenants everyday.

I stopped trading stocks, it's taking a lot of my  time  instead I change strategy thru earnings from Dividends:

Google apps, earning from PAM PSE Tracker and blog

Earning from blogging declined due to non posting of articles as well as enrollees in PAM Academy.
The good thing, the time I saved from blogging and trading are spent for quality time with my family as well as for my study. I'm also focusing on my full time job and working on different projects.

Why not create your own lifestyle? I'm looking forward to your Financial Freedom.

Sincerely yours,

Jonathan I. Ruiz


Wednesday, 15 June 2016

How to save yourself from losing in the stock market?

The market is on a range of 7200 - 7600 level, the next possible resistance is at 7800 level that keeps our heart beating fast especially if you are day trading. There is always a chance of gaining good amount and losing at the same time. The Du30 presidency push a positive index and trust by the investors in our economy for the next 6 years. The FED rates stability policy to be on sideways add the positive momentum.

The main question, I keep receiving from newbies: How to save yourself from losing in the stock market?

Let me try to answer this question based from my experience.

First, Excitement. If a friend will show his portfolio in a green mode, you will be convinced that "There is a big bucks on Trading", on the other hand, the loss is big before he achieved that green port. It will take time to master a specific strategy and start earning a good amount. Newbies beware not everyone will show their true portfolios, usually the loss will be at the back of green portfolios.

Second, No valid reasons for buying a stock. You don't know what you are doing, sometimes you will buy a stock based on forums hype or recommendations from experts. Consider your hard earned money for future of your family, usually financial advisors recommend to invest only the extras. Check if you are willing to lose that extra, but double check the reasons why you are investing or trading.

Third, Do your own research for a specific stock. Invest by heart, you don't buy a stock because it's going up. You are buying because of knowledge and research you've done that whether short term or long term you will have a returns or green portfolio.

Fourth, Keep on guard. News are very important in this field. After you bought a stock, have an alert about any news that could affect the price movement or fundamentals of the company. This is one reason why many newbies get "IPIT", too late to get out and get in.

Fifth, Don't read a chart. If you don't know how to analyze a trend, charts, patterns then there is no reason to follow a recommendation. Learn it by yourself and do your own analysis after learning.

I'm looking for your financial freedom thru investing in the stock market.

Sincerely yours,

Jonathan Ruiz

P.S. If you are looking for an app in the stock market, here is the link:

Tuesday, 31 May 2016

10 Important Life Lessons Learned in the past 32 years

At age 32, I'm celebrating the goodness of this life, it's time to reflect on the past. There are life lessons that could only be learned at this age and probably many of you are journeying with me on the same boat.

I want to share with you life lessons that you might want to experience  in a different or same way:

1. Health. Take care of your health. At young age, I was diagnosed with Arithmia or irregular beating of the heart, I don't know how it happened maybe because of my lifestyle. I drink lots of coffee, started drinking at young age and worked very hard at age 17. Now, I minimized those unhealthy stuff and decided to take the challenge of losing weight.

2.Working Hard. I don't recommend to work hard instead work smart. A good example of this is answering emails at a specified time of the day, 8:30 - 9:00 AM and 4:00 - 4:30 PM, it is not good to check emails every 15 minutes, it will not add to your productivity. Focus on the most important tasks of the day.

3. Don't go fast and slow down. Sometimes we are impatience in our career, business, love life, and the feeling of you need to go fast to achieve your goals. I believe that there is a time for everything and good things happen to those who waited patiently.

4. Give and give back. It's better to give than to receive. This is true.When you start giving, you will feel more blessed. I learned this from the start, this might be one reason I never had a shortage in my life. As a gift, I'm giving the lessons in PAM academy free: Just sign up and send your username at .

5. Money is only an instrument. Money can be earn anytime but you should learn how to handle and grow it. I'm thankful that my passive income machines and other investments are working and it's my 2nd year earning from it. This will be my future pension fund  . Grow your money mindset.

6. Continuous learning. Learning should not stop after graduation. You should continuously learn and accumulate knowledge and turn it into power. Build your talents and skills, it will be your key to success in building a career and business. Start reading books.

7. Stay humble. "Mabait ka, kaya mo Yan", I always received this remarks but I keep my feet on the ground. Respect should be given to everyone whatever status you achieved in life.

8. Friendship. Be a good friend.  You always need somebody for a help and no man is an island but you can stay away from your negative Friends.Thanks to those who keep believing in me and especially to my household in CFC. Mabuhay po kayo.

9. Family relationship. This is one of my priority and to spend quality time with them. I'm very thankful to have a loving wife and a wonderful baby. Family first, no questions.

10. God. Without the Divine Intervention of God Almighty, I will not be here writing the 10 important life lessons. Anything you do, acknowledge him.

Wishing good health, good life and peace in this world.

- Jonathan I. Ruiz

Wednesday, 20 April 2016

How to buy stock at a bottom price?

Every newbie should learn how to buy a stock. Once received the account number and password, don't fund it unless you already studied a specific stock. Check your emergency funds if you have enough and invest only the extra.

I fund my daughter's account a month ago and still a buying power on my account. The last time I bought a stock was 3 months ago and take note 14% gains in 3 months (not bad other stock newsletter 12% is their minimum on their recos).

Today, I'm using the above buying power to buy a stock ;

How to buy a stock at bottom price?

1. Lower than 52 weeks low.
2. Oversold Level.
3. Hit by bad news but fundamentals not affected.

Disclaimer: this strategy is only based on Newbie Mentor experience in the market.

Good luck and happy hunting for stocks at bottom price.

Sincerely yours,


P.S. For those interested for passive income online course, here is the link:

Tuesday, 19 April 2016

FNI Buhos

Trading is not a game. A thorough study and technical analysis of a chosen stock should be part of everyday living to gain hands on experience. I don't recommend to newbies to jump on this unchartered waters.

If you are newbie in this field, I recommend 3 important tips:

First, Learn a specific strategy. It will depend on your personality and available time. If you are willing to risks a big amount of your capital then trading might be for you, if you don't have enough time and capital, then value investing will be the right strategy.

Second, Don't follow the crowd. If there is a noise then stay calm and keep quiet. This is the way I manage the PAM Chat room, I only share if there is an important information. Thanks to those active members on the FB chat room.

Third, Don't be greedy. 20% gains in a day is not bad, if momentum stays then keep it for another 2 days. Set you target exit point or target price, once hit stick to it and grab the bucks. Don't look back again because you will feel a bit dissapointed if it goes up for another 10%.

Looking forward to see you achieve Financial Freedom.

If you are interested learning about passive income in the stock market, I would like to invite you, here is the link;

Sincerely yours,

Jonathan Ruiz

Wednesday, 6 April 2016

Life will continuously knock you down

This life is full of surprises. It can give tears or smiles. The death of a loved ones or the birth of a child. The termination on job or promotions. The failing on an exam or passing it. Whatever life brings onto your life, what matters is on how you respond and get up in every knockdown.

What I have learned in every knockdown?

1. Stay true to your passion. If you are passionate on your job, just continuously move on that track.It seems like you don't have the success but fruits usually to be harvest after all the planting. Wait for the right seasons.

2. Giving up is not an option. There will be times that you will feel down and it's like everyone is against you. Just think about the electric light bulb inventor, Thomas Edison , he quote I have not failed. I've just found 10,000 ways that won't work.

3. Don't think short term but long term. Every decisions should be made for a better future not for a short term gain. This applies to stock market newbies, they used to buy stocks that they want for long term but when it goes down they sell or on the other way around when it goes up for 10% gains then they collect. Why not stick to your plans?

4. It's all about the journey not the destination. Knowing your destination will give your GPS an idea for the path going to it. The rocky road to your destination will delay to your arrival but it will strengthen your character.

5. It's not about winning or losing this game of life but playing the game with fun.


Wednesday, 30 March 2016

A Special Gift to My Little Fairy

Life is full of surprises and blessings. Enjoy fruits of your labor. Spend time with your loved ones. Earn more and give more. Dance with your wife. Play with your children. Be productive at your job. Be a friend to everyone. Spread the love. Those are gifts from our Heavenly Father.

I'm writing this article as a Father. After a year that my baby was born, full of trials, challenges, ups and downs, victories and failures. I realized that I was given a gift of life, to be a Father and care for a small little cute fairy.

The realization that every moment and time spent with my baby daughter is a precious gift. At her first month, every time that I hold her, she cry, I'm afraid that I will not be able to take care of her and raise her as a loving daughter. A step by step process of growing and developing herself with special guidance of my loving and wonderful wife. Now at her first year, she always shout my name "ATA", "ATA" for Athan.

Yesterday, I asks her, maybe I can borrow a wish for your birthday and I hug her very tight and whisper "Good health for you baby".

I'm wondering what gift I could buy? There are material things and baby accessories that you need but I knew in my heart, you will not be able to appreciate it at this moment of time.

I bought stocks for your future, the value of it could go up or down but it will not be valuable to you at this age but later it will be your educational fund.

I realized that I have only 15 days remaining in my current work assignment. Now, I can spend more time with you until I moved to a new position or workplace. I will have more time for you to feel my tender loving care.

What is my special gift to my little Fairy?

"A Continuous Overflowing Love And Quality Time".

Sincerely yours,


Tuesday, 22 March 2016

A Simple Rich Guide

Who wants to become rich? This is a question of a priest during the mass I attended years back in Norway and from the audience no one raised their hands except "ME".

Many are afraid  to show to the world their dreams of becoming rich. The first step is to accept that you have a desire of becoming rich. Rich in my context is not only usual measurement which is size of bank account instead rich in 6 aspects of living, Spiritually, Family, Relationship, Health, Finances, and Community.

This post is to share with you a simple rich guide in your Finances;

First, Automatic savings. You will not be able to invests unless you know how to save. Saving at least 20% of your income monthly will give a better future.

Make this habit automatic, set aside 20% from your paycheck and put it into investment account. Check out this budgeting app for alert notifications of overbudget;

Second, Spend less and Earn More. This step depends on your earning capability. You should earn job promotions, work smarter than harder, doing extra jobs or sidelines and don't spend more than what you earn.

Third, Invest the extras. Start looking for a viable investments. Research and study different financial instruments such as stock, mutual funds, bonds, real estate, etc. etc...

Fourth, Make it Passive. This morning, I received this email: 

Payment from Google AdSense coming from my blog, this is more or less 10k.

Finding different sources of passive income should be a task especially if you are an OFW. Earning while sleeping should be a goal,you can retire early.

Fifth, Start Investing for your Retirement. Many delay this part because their reasons " I'm Still Young, I have more time later". Why not take advantage of power of compounding interests? The earlier, the better.

Sincerely yours,


P.S. Feel free to share your own guide to Prosperity.

Wednesday, 16 March 2016

Basic Tips on Building Passive Income

Passive income is an income received in a regular basis with little effort required to maintain it. - Wikipedia

Having one source of income is dangerous, every OFW's should start building sideline business because economic uncertainty and unstable financial situations can have a big impact on your future. You can start analyzing the trend and check your strengths that could be compatible to your target passive income source.

At the moment, I'm focusing on building apps, rental properties and blogging. The good thing, results is amazing. I received a regular monthly income minimum of 50k combined those different sources. This amount should be reinvested monthly on other financial instruments to balance my portfolio.

Few tips;

First, Know your strength and use your skills. You should develop a skill. For example, if you are good in cooking, you might want to start selling cookies, muffins, skinless longganiza etc. etc.

Second, Be different and have a USP. Unique Selling Point is a key to attract customers. You should be different so it will be easier to sell your products. Every Friday my wife is buying cassava cake from this guy in the mall, his very friendly and he easily captured "suki" customers.

Third, Time Management. I know you are working full time but taking time to do a sideline business will be a training for you to become an entrepreneur. This sideline business can be a full time business later.

If you are looking for a budgeting app, watch this link

Thursday, 25 February 2016

A Contract To An Everlasting Love

"Love is all that matters, faithful and forever, keeping us together, love is all we need".

As the song goes, love matters  in our daily lives, everyone wants to be loved, many are searching  for an everlasting love and once found they believed that love can be forever. While others trying to achieve unlimited wealth, and continuously gain immeasurable knowledge, I'm in the middle of nowhere searching for my everlasting love.

At Oslo central station, he met the destiny. A lady waiting on a bench for her train caught his attention, she approached and started a conversation, it only took 15 minutes of their time to understand each other's intention to play friends with benefits.

She was a conservative  "probinsyana type" of girl that is a full of life. Simple yet vulnerable lady who was learning to bloom and discovering herself in many things and finding it on other side of the world in Norway.

He was a traveller. A business minded bachelor and a Chef at the same time. Someone who managed his own time and dealt with different people in business world.

Two different people came from two different place in Philippines. They came across the sea looking forward what the other land can offer. They have their own life until one day, destiny worked to meet them in Norway.

After the incident in central station, the two lovers signed a love contract for one month. And all started with a joke and a contract, using each other in the sense of being committed in the eyes of others and pretending that is a serious relationship. Two hearts longing for someone to love and finding their share of FOREVER. A contract that will keep them together and having no chance to be engaged with one another.

In this love contract both characters played their role. He used to call and text everyday, minutes and hours or vice versa. They made things possible, friendship started to build, they discovered each other's personalities, works, hobbies, and views. The simple lady views of life to gain immeasurable knowledge for her to achieve her dreams while the traveller to work hard and achieve unlimited wealth.

Unexpectedly, something was developed. The feelings from each other grew and developed. They confessed that they fell in love to each other. The love contract broken and became a true and everlasting love.

Both of them stopped their goals of achieving unlimited wealth and gain immeasurable knowledge but instead end up with an everlasting love.

Love is the motives of our lives, unlimited wealth and immeasurable knowledge can be easily gained if you are motivated by love. The main reason why we are here is because God loves us through his son Jesus Christ which he showed the true meaning of an everlasting love.

If you could only pick one, would you rather have Unlimited Wealth, Immeasurable Knowledge, or Everlasting Love?

The answer is Everlasting Love.

The story written above is my true love story that the traveller is now living with a fruits of an everlasting love.

This post is exclusively written for

Saturday, 20 February 2016


Merong isang teacher na pina-drawing sa mga estudyante niya ang mga pangarap nila pag lumaki na sila. Halos lahat sa mga estudyante ay nag-drawing ng teacher, doctor, abogado, bumbero, at piloto. Tuwang-tuwa ang teacher habang tinitignan ang mga gawa ng mga estudyante niya pero may isang drawing na umagaw nang atensyon ng teacher at ito ang pinaka-kakaiba sa lahat. Isang drawing ng bukid na may malaking bahay sa gitna at maraming hayop sa paligid.

Tinawag ng teacher ang nag-drawing nito at tinanong kung bakit ito ang drawing niya. Ang sabi ng bata, pangarap ko po kasing magkaroon ng isang malaking-malaking bukid na maraming hayop, ang tatay at lolo ko po kasi ay nag-tatrabaho lang sa bukid ng ibang tao, kaya gusto ko pong magkaroon nang isang bagay na gusto rin nila pero hindi nila naabot. 

Ang sabi ng teacher sa bata, ang sabi ko pangarap, hindi panaginip. Papano ka magkakaroon ng isang malaking bukid, eh ang tatay mo ay magsasaka lang; ang lolo mo magsasaka din; at ang lolo ng lolo mo ay magsasaka din. Ang pangarap ay isang bagay na posible mong maabot, pero kung ang pangarap mo ay magkaroon ng isang bukid, hindi yan mangyayari dahil ilang henerasyon na kayong magsasaka. Gusto kong palitan mo ang drawing mo at gawin mong mas makatotohanan. Tingnan mo si Juan gustong maging doctor; tignan mo si Pedro, gustong maging abogado; at tignan mo si Maria, gustong maging teacher. Ipasa mo sa akin bukas ang drawing mo at gusto ko ay iba na ang drawing (pangarap) mo dahil kung hindi ay ibabagsak kita! Malungkot na umuwi ang bata at tinitignan ang drawing niya. 

Nang makita niya ang tatay niya ay agad siyang nagsumbong dito. Tay, pinag-drawing kami ng teacher namin kanina ng pangarap namin pero sabi niya ay palitan ko raw ang pangarap ko kasi magsasaka lang daw ang tatay ko at lolo ko; pati ang lolo ng lolo ko magsasaka lang kaya hindi daw ako pwedeng magkaroon ng pangarap ko.

Bakit anak, ano ba yung pangarap mo? Gusto ko pong magkaroon ng isang malaking bukid na maraming hayop at may malaking bahay sa gitna, pero ayaw niyang tanggapin kasi hindi daw ito mangyayari. Kung hindi ko daw po papalitan yung drawing (pangarap) ko ay ibabagsak niya ako. Alam mo anak, ang sabi ng teacher mo ay pangarap mo, hindi ang pangarap niya para sa’yo. Kung ano ang sa tingin mo ay gusto mo at sa tingin mo ay kaya mong gawin, ituloy mo. Tandaan mo palagi anak na hindi pwedeng ibang tao ang magbigay sa’yo ng pangarap mo dahil bawat isa sa atin ay may sari-sariling pag-iisip. Hindi pwedeng sabihin ng ibang tao na hindi mo magagawa ang isang bagay; ang makakapag-sabi lang niyan ay ang sarili mo mismo. Kung ano man ang maging desisyon mo ay ikaw ang bahala dahil wala ako sa posisyon para idikta sa’yo ang gusto mong maging paglaki mo. Nasayo ang desisyon kung papalitan mo ang pangarap mo o hindi dahil lang sa sinabi ng ibang tao na hindi ito posibleng mangyari. 

Pagpasok pa lang ng bata ay hinanap na ng teacher yung pina-drawing niya at ibinigay naman ito ng bata. Nang tignan ng teacher yung drawing ng bata ay lalo siyang nagalit dahil walang nagbago sa drawing nung bata. Nandun parin yung bahay at maraming hayop sa paligid ng bukid. Ang sabi ng teacher ng bata; Sinusubukan mo ba talaga ako? Hindi ba’t sabi ko sa’yo ay baguhin mo yung drawing mo dahil kung hindi ay ibabagsak kita? Gusto mo bang ibagsak na kita ngayon? Bibigyan pa kita ng isang pagkakataon na baguhin mo ang drawing na ito, pero pag ito hindi mo pa rin bina.... (hindi na pinatapos ng bata ang sasabihin ng teacher at sumagot siya rito); Teacher, kung gusto mo akong ibagsak, ibagsak mo ako. Pero hinding-hindi ko isusuko ang pangarap ko para sa sarili ko dahil lang sa sinabi mong hindi ko ito magagawa. 

Makalipas ang dalawampung taon ay may grupo ng bata na nagkaroon ng field trip sa isang bukid. Halos karamihan sa mga bata ay tuwang-tuwa dahil sa laki ng bukid na nakita nila. Syempre kasama nila yung teacher nila at siya yung teacher nung bata na pinabago yung drawing dahil sa hindi daw ito posibleng mangyari. Pagbaba nung teacher sa bus ay biglang may tumawag sa kanya… teacher! teacher! habang patakbong lumalapit ang isang lalaki na may matikas na pangangatawan.

Teacher, natatandaan mo pa ba ako? Tinitigan lang ng teacher yung lalaki at kinikilala kung sino ba siya. Ako yung bata noon na pinag-drawing mo ng pangarap ko… ito yung drawing ko noon na sabi mo ay hindi mangyayari, sabay turo sa bukid. Nang maalala ng teacher ay may biglang kumurot sa kanyang dibdib at dahan-dahang pumatak ang luha niya. Ang sabi niya sa lalaki, alam mo, 20 years na akong nagtuturo sa mga bata at marami akong nakitang mga katulad mo na ang drawing o pangarap nila ay mga imposible para sa akin kaya pinapabago ko sa kanila ang mga drawing nila. Halos lahat sila ay binabago ang drawing at ikaw lang ang nanindigan sa pangarap mo. 

Ang tagal ko nang nagtuturo pero marami na pala akong mga pangarap na sinira, buti na lang at pinaglaban mo ang pangarap mo.

This story sent by a friend. Credit to the Author of this article (, I don't know if this is a real story.

P.S. For those asking about Blogging Income, I'm collecting emails of people interested to learn: here is the link:

Thursday, 11 February 2016

How to find a mentor?

The increasing awareness of many Pinoys in the stock market proportionately increasing the number of gurus, teachers and mentors in this field. The question is: how to find the right mentor?

There are 3 important tips:

1. Walk his talk. He should be applying in his portfolio the strategy his teaching. If he recommended a stock, he should also bought it at the same price as he recommended. A mentor is not thinking of his own gain.

2. Credibility. He proved something in his field. A title can be a measure but not the main consideration. You are trusting your future retirement, it's like asking a Doctor for the right medicine. Check his background.

3. His there all the time. A good example is real estate agents, usually after they get the commissions they disappear. Whether the market is green or red he will never leave you. His focus is not money but serving others.

Looking forward to your successful journey. 

Sincerely yours,

Jonathan Ruiz 
Newbie Mentor 
P.S. This is an inspiring article written about my journey

How to Ensure you Have a Long Lasting Retirement?

#RetirementGoals. Everyone needs to plan for retirement because there will come a time that you will stop working. Sometimes, it can also b...