Showing posts from 2017

5 years journey to Financial Freedom

I achieved my financial freedom today. Thank you to those supported my journey especially those readers of this blog.My sideline businesses are now full time gig. I owned 3 " Eat all you can Filipino restaurants " and partnered with an educational training center. I also received different awards as an entrepreneur, best selling author and speaker. I was able to build a dream house in 10 hectares land and recently bought a McLaren Sports car. My kids  attending prestigious schools. My wife and kids travel with me in different countries while doing speaking engagements. We started visiting  Disneyland and recently came back from vacation.It will be my future reality.I would like to share with you my plans on how to achieve those dreams;First , Increase my worth. Yourself is an asset which should be increasing in value over time thru education and experiences. I keep learning and studying different courses. Changing from one position to another and industry after industry.Seco…

Escaping the Paycheck Life

One my goals is to escape the 9 – 5  hours work or the cubicle life. I’m always worried of losing my job, not able to pay for my student loans, running out of cash, foreclosure of properties etc. etc.Before month end, the income is already allotted to expenses and it will only passby in my account. Starting this month, I’m monitoring it properly 10%  - Tithes, 20% - Savings and 70% to living expenses. I also decided to use credit cards for necessities to gain points and credits only not for luxurious spending. I wanted to reclaim my life and start clean with debts and commitments.Today is 12/07/17 , I want to escape the cubicle life by 12/07/19 meaning 2 years from now. I will do the things I love rather than sitting on my desk for 8 hours preparing reports. I want to teach, give lectures, write, blog and manage my own coffee shop or small restaurant. I have these 3 steps to share with you;First; Zero Out my Debts . I have bad debts which is my credit card loans. I’m eliminating it fo…

The Importance of Side Hustle

I used pen names such as PAM Master or PAMpayamang Master, Newbie Mentor – the mentor of newbies in the stock market, CPA Mentor – helping students achieve their CPA Dreams.Each pen names have a corresponding blog and truth also has a corresponding side hustle or extra income.Why is it important to have a side hustle?I have three important reasons of why you should start having a side hustle or sidelines. Those side hustles should create passive income which should exceed your monthly living expenses. It can gives you financial freedom and live a richer life in the future.First, Multiple Income. We should not depend on only one source of income, like famous investors they diversified in different businesses such as real estates, mutual funds, stocks and other business ventures. Depending on one source of income is dangerous especially during rainy days or job laid off, termination, accident etc… I suffered 2 laid offs in the past 5 years, more or less 5-7 months without active income …

Getting Rich Idea

Driving a Ferrari, living in a Mansion, eating at 5 star restaurants, and indulging to other luxurious things, for many this is the standard of living a rich life.I would not argue with the meaning of richness, but let me share my experiment in getting rich financially. Here are ideas that I'm trying to explore;1. Pay all debts. Living a debt free life is like sleeping with a peace of mind. I'm on a process of eliminating debts.2. Learn to live simply. Spending at a minimum possible, living expenses should be 30% of income. I started with car lift instead of rent a car, from 1600 aed  plus petrol down to 700 aed or equivalent 12, 398 php savings.3. Make money work for me. Keeping my eye on investments with more than 8% ROI in a year. It can be a stocks, franchise, and start up business.

4. Create multiple streams of income. Focus on creating money machines such as rental properties, royalty on books, and blogging income.5. Join a business venture or partnership. I'm working…

My COLing the Shots Pick

Is it for future retirement? Is it for educational plan for  kids? Is it short term gains for travel? What is your motivation in buying stocks?

I created my own COLing the shots portfolio or my PAM - payamang stocks pick, this is not a recommendation for you to follow but to analyze.

I want to share my 3 out of 5 stocks pick for long term investing;

First, EW or East West Bank. I sold my MBT with 18%  gains and stick to EW because of potential gains from previous price of 19 PHP per share which I actually bought 2 years ago at a higher price of 25.20. I had paper losses but recovered this year  because of earnings jump by 54%.

Second, FGEN or First Gen Corporation. FGEN is my power play stocks due to growing demand on energy sector. I believed that San Gabriel and Avion facility will bring increase earnings in the future. The current price is undervalued because of sell off from traders during the news of drop in profits by 11% but looking at a future potential there is a minimum 20% …

3 Money Beliefs thru Scripture

After attending an online course of Tony Robbins about Financial sabotage, I would like to share what I discovered from my past money beliefs that sabotage financial growth.  Here is my "3 Money Beliefs".

First, Money is the root of all evil. This is misinterpreted in the scripture 1 Timothy 6:10 For the love of money is the root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. The word LOVE was omitted and not given an emphasis, if you focus and love money, it will pull you to the wrong path and start doing evil things. This is the case for people committing crimes for the sake of earning money.

Second, You cannot be rich and serve God. This also relates with other scripture on the bible
Matthew 6:24 No one can serve two masters. Either you will hate the one and love the other, or you will devoted on the one and despise the other. You cannot serve both God and Money. This money beliefs want you to become …

How to set a Target Price?

Happy moments of PSEi hitting the 8000 level. Newbies increasing number is a good sign that investing is for everyone.I keep receiving the question: How to set a Target Price?

I will give you 3 simple steps;

First, Buy stock at a possible lowest point. Try to look at history for 52 weeks and calculate the average price, if the stock is trading below the average price then start accumulating. Here is a good example my ICT, I bought this stock last August 2016 for 84.95:

Second, Sell the stock after receiving dividends. ICT is turning 1 year in my portfolio this coming August 2017 and I received dividends last May 2017;

Third, Have at least 15% gains. I used PAM PSE TRACKER to calculate my potential gains ( ) I'm trying not to become greedy and no regrets after selling the stock:

I sold ICT with 18.77% gains:

Total Gains 16,381.35 PHP = 14,380.65 + 2,000.70 
To God be the Glory!!!
Sincerely yours,
Jonathan I. Ruiz …

3 Keys to Become a Successful Investor

I keep learning in the stock market as an investor and trader. It's a challenging journey. The happy part is when a stock is recovering from losses.
Ex:  EW          



PSEi hits 8000 level, you should be seeing your portfolio in a green territory.
I would like to share 3 keys to become a successful investor:
First, Patience. A good example is the EW above from -21% to +8% gains. You are not looking for a short term gains but a long term gains. Don't be afraid to see a bloody portfolios instead it is a good sign to average down and buy more.
Second, Persistence. Keep trying. If you made a big moves or a mistake in choosing a stock, don't be discourage but hone your skills in picking the right stocks. Try and try until you hit the green territory. 
Third, Avoid distractions.The noise of recommendations from hypers, newsletters and friends should not distract your strategy. Selling and buying a stock should come from your own research and understanding.
To God be th…

3 Keys to Successful Investing

If you are following this blog for the past 3 years, you can still remember how I turned my 300k stock portfolios into 1M pesos thru trading, this time I'm concentrating on long term or value investing. My goal is to turn 250k into 1M thru value investing. 
I'm hitting the 300k marks this month. Nothing special on this strategy but I want to share 3 keys to successful investing.
Here are the 3 keys;
First, Pick your favourite industry. " Don't invest on something that you don't understand " - Warren Buffet. If you have an expertise on a specific field, for ex: banking, then analyze the outlook of that specific industry and pick the right stock.

Second, Know the true value of the company. You don't buy a stock without knowing a target price or fair value, it should be always undervalued before you buy it. Making a mistakes on entry point will hold you in prison.

Third, Patience. When I said long term, at least 3 years not a day, a week or a year. If you have…

A Dividend Life

Rich people have their money work hard for them, Poor people work hard for their money.

This wealth file beliefs should be on our system, working hard is important but working hard alone will not make you rich. You should know how to handle your money and let it works for you while asleep.

I'm dreaming that one day, there is no need for me to be actively working and my investments return will be enough to cover my daily living expenses.

Investing in the stock market is a vehicle to reaching a dividend life. As investopedia defined it, Dividend is a distribution of a portion of company's earnings decided by the Board of Directors, to a class of it's shareholders.

Here are examples of cash dividends I received this month of May;



Total Amount of Cash Dividends = 5285.70.
The stock account for dividends above are from my baby daughter and I can see it growing slowly but surely. 
Why not start your own dividend lifestyle?
I'm looking forward to your Financial Freedom…

Overcoming Failures

Sometimes it's hard to accept the failures in our lives. We failed in exams, lost jobs, businesses went bankrupt, broken hearted and failed from others expectation.I suffered from many failures, and recently my company went bankrupt and workers lost their jobs. In addition, I'm still on exit waiting for my visa while my wife is due to deliver a wonderful baby anytime. Consider me as your failure guru.How to overcome those failures? Here are my three tips:First, learn from those failures. You will only become victorious, if you learned and committed not to do the same mistakes again.Second, make a decision. Be firm and stand still. You need to look at the wrong decisions made, and start making a decision to start all over again. Reboot your life.Third, gratitude. Still you can be greatful to lighten the burden of failures. Appreciate that you have a wonderful family, a loving wife, a healthy babies, and there will be a promising career and better future waiting ahead.The most i…

Heal Yourself First

Sis; I think you can be a healing therapist. You can help and heal others on their past hurts.Jonathan;  Why do you think I can be a healing therapist?Sis; You have a lot of experiences in different fields, failures in the past, travelled in many countries, change many jobs and you are able to give good advice.Jonathan; Wow, I have this gift of healing from holy spirit.I'm thankful and greatful that I was able to spend my holy week in Rome. Relatives and friends visited us and " kwentuhan to the Max" and " Food Galore". I was able to reminisce and reflects on my past. I realized that I'm blessed. I will be having a second baby next month and relatives gave clothes and shoes. Every time I will visit Rome, there is always blessings to count.How about you? I hope you are reflecting and praying this time of the year. Heal yourself.Hopefully I will have my visa next week going back to UAE. I'm missing my wife and Baby Athena.Have a blessed Easter Sunday.Sinc…

Is it time to get out of the rat race?

9-5 working hours are not the trend anymore. The power of internet make things easier to entrepreneurs to work less time and more freedom.Is it really the time to get out of the rat race?My answer to this question is " Yes".There are 3 important tips that you can apply in your life to get out of the rat race.First, Blogging. This is one of the popular ways to get out of the rat race. Blog about your passion and build a following around this passion. Start making money thru selling digital products such as ebooks, online courses, one on one mentoring etc. etc.Second, Affiliate marketing. This can be a legit multi-level marketing, pyramiding or direct selling business. You can start this business on the side even at home thru posting to your social media accounts and shout " Power ". Caution : Pick only those registered with SEC and legitimate companies.Third, Passive Income thru Investing or Trading on Stock Market. This tips require time and efforts to learn. We ca…

Is it Okay to Sell my MBT @ 10% Gains?

This blog post is dedicated to a newbie asking, Is it Okay to collect 10% gains from MBT (Metrobank)? At the current movement of PSEi with 7.2% up from March and still continuously rallying, I was reminded by this question that I'm holding MBT in my stocks portfolio with 15% gains:

The question "Is it Okay to Sell @ 10% Gains?

Let me share 3 important considerations in selling a stock with 10% gains:

First, Contentment. If you are trading and trying to catch short term gains then answer is "YES". You can collect  the 10% gains. If there is a stop loss there is also a " stop gains" (my own term) you should always have a trading gains at a specific target price, it can be 10%, 15% or 20% depending on your set trading gains.

Second, Original plan. From the time you bought a stock then you must know what is your original plan. Is it for short term or long term? Is it a fund for retirement or wedding day? If you are a value investor, you might stick and keep thi…

5 Important Financial Principles

Retirement and brighter future are main focus of most OFWs . I had this conversation with a retired OFW while waiting for our flights to Rome. She started telling her life story and how she achieved the comfortable retirement life.I got this 5 important financial principles from our conversation;First, spend less than you earn. Always keep something for yourself. Some of her friends spend money for branded clothes and attended every party possible while she keeps her lifestyle at minimal spending. She quote, " at my retirement I can spend money for whatever I want and reap the benefits of my hardships, living in 3 floor mansion and I'm travelling as a  tour guide for my grand sons and daughters in US and Europe.Second, build a pension fund. She's receiving pension from Italian and Philippine government. She worked as a public teacher for 20 years in the Phils while COLF in Italy for 30 years. She got a separate insurance funds for her health and retirement savings account…

How much money you need for retirement?

This money formula for retirement fund is from Mr. Money Moustache; Multiply your Average Monthly Spending by 25 years , this is the amount you need for retirement then invest it on investment that can give 7% yearly returns. You can have 4% withdrawal every year from the funds, the remaining 3% from returns is considered the inflation rate.The big question here is how you will achieve that retirement amount. Here are 3 important tips;First, Increase the percentage of your savings rate. Let's say you are earning 20000 and able to save 10% monthly increased it to 30% or increased your monthly income by 10% , the amount of savings will increased by 10%. Consistency is a key.Second, Invest your savings from tip 1,  mid to high risk investments such as stocks or mutual funds that can give at least 8% returns. Knowledge is a key.Third, Side hustle. Earning on the sides and creating money machines will definitely helps you filled in the retirement funds. Cash cows from your skill or tal…

3 Habits that can Change your Financial Future

There are habits that affects our financial future. Who you are right now is the results of your habits. Most successful people developed good financial habits.If you want to have a brighter financial future then it's the right time to start making decisions.I want to share with you 3 habits that can change your future;First, Gratitude or Appreciation. Startsandendyourdaywithgratitude. Appreciatesmalllittleblessingseveryday. Focusonwhatyouhaveratherthanonthingsthatyoudon'thaveandstopcomparingyourselfwithothers.Second, Take control. As Jack Canfield quotes " Take 100% responsibility of your life" , stop playing the blaming game and acknowledge that there are things that beyond our control. Be mature enough to take the challenge of your financial journey.Third, Handle money with care. Money is not the end goal though having much of it will give a comfortable life. Treat money as a tool of happiness, you can send street children on school, donate to charity or victims o…

Retire Early

Retirement is a state where you can relax on a beach, travel to most exotic places, eating at expensive restaurants, spending money on luxury items, and enjoying the retirement funds. This is a famous definition of retirement.As a finance advocate, the meaning of retirement is having a piece of mind without worrying about money, doing what you love and a state where passive income covers living and luxury expenses.If you are an OFW, these are 3 important tips on how to prepare for your early retirement;First, Don't spend 100% of your income. This is practical tips that most OFWs ignore, every paycheck allocated to expenses and remittances. You will never be able to retire if you are going to support your whole family clan. Start setting aside small percentage for yourself.Second, Invest for retirement funds. Investing on stocks, bonds, mutual funds, real estate, etc. Pick one investment for your retirement and don't touch it until you stop working. Make sure that it will be li…

The Art of Getting Out Early

CHP share price from 11.16 to 9.3 down almost 14%, the main reason is panic of some investors due to 4th quarter 2016 disappointed results amounting to net loss of PHP 7.2 million. The net loss due to decline in cement volume and prices.

One of the most important part of investing or trading is to get proper information and analyze the possible impact on share price. If you are long term investor, this will not affect this type of news because of your long term plans that you believed that the company will recover from the losses.

If you are a trader or mid -term strategist, I have three tips to share;

First, Don't be greedy. If you have a good amount of gains and volume, you can collect the gains.

Second, Get out early and sell. Be alert on possible bad news especially if you are reading the news site and brokers recommendation everyday.

Third, Management strategy. Check the Acquisition or Disposition of members of management.
I'm looking forward to your Financial success.

From -8% to 203% Gains

A year ago, I bought TUGS for undervalued price and it went down to - 8% loss. My strategy is to go for value investing. 
I stick to my plans, the results:
I got 203% gains.
I have few tips to share after I stopped trading due to personal reasons ( full time  position and as a Father and Husband). I studied fundamental analysis and try to pick the right stocks for long term investing. I'm using PAM strategy on day trading, still same principles, there is no need to chase the market.
Here are 3 tips, the acronym PAM;
First, P for Planning. The plan is to make a long term investment for brighter future. I bought TUGS, up and down movement of price  but I stick to the plan " Long Term".
Second, A for Actions. I took full responsibility of my actions. I did not follow anyone or recommendation by a friend. Own decisions and actions, no one should be blame. . Third, M for Mindset. The positive and right mindset will keep you on track. No noise will bother my peace of mind and…

Create your PAM Plan 2017

PAM - Planning, Actions and Mindset Goals 2017. Start to make your plans, take actions and change yourself into positive mindset.
The first month of the year already ends many broke their new years resolution and not able to stick in their plans. It's not too late to restart and reboot your 2017 plans and strategy.I would like to share few tips for 2017 PAM plan that might helps you to be financially free in the next coming years.Here are 3 tips;1. Write your career goals. Career goals can be a planned promotions, a new position to move, and  a sideline business to start. Your move should increase your earning power.2. Create a time schedule. Value your time. Time is equivalent to money. Money can be earn without limits but  our time is only limited. Don't forget to spend quality time for your loved ones.3. Manage your cashflows. If you know where your money goes probably you are already on track to achieving financial freedom. Knowing your cash inflows and outflows are basic p…

Keys to Financial Success and Prosperity 2017

Everyone have an equal opportunity to become successful and prosperous for year 2017, it depends on how hard and smart you are going to work your way to success and prosperity. It also depends on how you define your meaning of success.

Success means an accomplishment of an aim or purpose while Prosperity is flourishing financially. Success and prosperity is not only about earning more money, it is how you balance every aspect of your life in terms of spirituality, family, community, career and personal relationship.

I would like to share my keys for this 2017 journey:

1. Early to bed and early to rise. I will start my day by waking up as early as 5:00 in the morning and do my morning rituals. Don't keep postponing your alarm. It's better to start the day with  fresh mind and body while others still sleeping.

2. Exercise. For year 2016, I gained 22 lbs, because many invitations on birthdays, holidays, etc. etc. It's time to take care of our health seriously. My plan is to …