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,

JONATHAN RUIZ
NEWBIE FATHER

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; https://itunes.apple.com/us/app/iprosper/id1064831808?ls=1&mt=8

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,

JONATHAN I. RUIZ
NEWBIE MENTOR

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 https://www.youtube.com/watch?v=PIu1pXV4yyk

Savings Plan for Financial Freedom

I’m reading the book of Robert Kiyosaki, Guide to investing and his elaborating the goals of every individuals accordingly in this order: ...