Showing posts from 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…


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…

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 w…

The Power of Compounding Interest Against You!

Compounding interest is the eighth wonder of the world, he who understands it, earns it. He who does n't pays it. Albert Einstein

Rich people used this formula to become rich and let their money grows and work for them. 
Poor people used the compounding interests against them such as taking personal loans, car loans, mortgage loans and credit card loans which charge more than 10% interest.
Here is a real life example from my colleagues. She borrowed 9000 pesos in her credit card from EW in 2009, after 7 years the outstanding balance ballooned :

The good thing, EW launched an amnesty program and ask her to pay only 15,932.02 pesos. The interest can double or triple your principal amount which is what we called "Compounding Interest Against You". 
There are 3 important learning on this situation;

First, Pay your debts on time. Avoid interest and penalties accumulation especially those with high principal amounts. Let the compounding interest work on your side not on the ot…

Do you recommend trading in the stock market?

I experienced to be a full time trader in Philippine stock exchange in late 2013 -2014, every trade is a deeper analysis of stock. I used to wake up early in the morning around 3:00 am due to time difference from Norway.

The truth, it was a great adventure but lots of effort and hardwork to earn from each trades. It is a mindset game. I received a lot of question, if I still doing it "Nope" because I move to a Family life in UAE. I shift focus now and created a different strategy.
Do you recommend trading in the stock market?
My Answer is NO with "IF", why?
First, Time. You need to check if you have enough time especially if you are working as an employee. It is not possible to hide in toilet just to check your portfolios.
Second, Knowledge. If you don't have knowledge in technical analysis, then it will be a waste of money. Chart and indicators will not work in a bearish market or in a downtrend. Indicators will always show an oversold condition and a buy signa…