Wealth and Finance

Stock Investing Basics: Benjamin Graham’s 4 Rules on Investing in Common Stock

December 7, 2015 by Ray Leave a Comment

Tagalog Version (Click Here)

As I’ve mentioned in several of my articles, aside from just working to earn money, you also need to Save and Invest if you want to be financially successful.

Now, I’ve already explained why I don’t want to recommend particular stocks on another article (Read that one if you want to know how “Investment Advisors” can manipulate you), but I CAN teach you what I’ve learned from OTHER investors through their books and research!

“Fools say that they learn by experience. I prefer to profit by others experience.” – Otto von Bismarck

Now, you don’t need to be an extremely wealthy super-genius to become an investor. All you need (aside from a broker like BPITrade or ColFinancial if you live in the Philippines) is some money, discipline, and applied knowledge.

Here’s some simple guidelines from Benjamin Graham, author of the classic “The Intelligent Investor.”
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Before you get (and Waste) your 13th Month Salary and Christmas Bonuses

December 1, 2015 by Ray Leave a Comment

Tagalog Version (Click Here)

It’s the holiday season again and excitement fills the air as employees eagerly await their 13^th month salaries and Christmas bonuses!

This holiday, many will soon find their payroll accounts FILLED with cash… that will all be spent in less than a week.

I’m sure you know how that feels. Happy and motivated when you see those big numbers in your payroll… and depressed the next week when you realize that you’ve spent it all.

“It’s not how much you earn, but how much you keep.”

That’s the main reason why many of us don’t achieve more. Every time we earn more, we WASTE more, and we go back to where we were. Two steps forward, two steps back.

So HOW do we stop wasting our 13th month pay and bonuses? How do we put it to better use, while STILL having fun? We’re here to learn that now!
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7 Wealth Quotes about Being Broke (and How to Change It)

November 12, 2015 by Ray Leave a Comment

Tagalog Version (Click Here)

Troubled by your empty wallet and bank account?

Let these 7 Wealth Quotes inspire you to change that!

1. “Being poor is a frame of mind. Being broke is a temporary situation.” – Mike Todd

2. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale

3. “Beware of little expenses. A small leak will sink a great ship.” – Benjamin Franklin

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10 Best Books I’ve read on Finance, Leadership, and Success

October 8, 2015 by Ray Leave a Comment

Tagalog Version (Click Here)

By my last count, I’ve read over 100 books and each one contained precious bits of wisdom that I use (consciously or not) to this day. I may not remember most of what’s written in those books, but they had all been valuable.

I’ve written an earlier blog about how valuable great books are (see “From Books to Riches”), and I’ll say it here again.

I don’t know any other investment whose cost is so far removed from its value aside from a Great Book.

Remember: You can achieve ANYTHING you want in life… ONLY when you LEARNED how to do it.
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3 Steps to Make Money and Get Rich

September 28, 2015 by Ray Leave a Comment

Tagalog Version (Click Here)

“Work hard and you’ll eventually get rich.”

We’ve all heard that advice. We followed it and worked hard at our jobs… yet still FAILED to get rich.

You work overtime, work on weekends, and sometimes work at a second job, but you’re not getting any richer. You’re struggling to pay the bills, and you still can’t afford that dream home, that nice car, that international vacation, dinner from that amazing restaurant, and that excellent school’s tuition fees for your children. You probably find it hard to donate even just P1,000 to charity.

You can get pay raises, bonuses, and promotions from working hard… but it’s probably not enough for everything you want in life.

How come some people grow rich and others don’t? How can YOU become rich enough to afford your dreams?
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So HOW do we stop wasting our 13th month pay and bonuses? How do we put it to better use, while STILL having fun? We’re here to learn that now! [Read more…]

Troubled by your empty wallet and bank account?

Let these 7 Wealth Quotes inspire you to change that!

1. “Being poor is a frame of mind. Being broke is a temporary situation.” – Mike Todd

2. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale

3. “Beware of little expenses. A small leak will sink a great ship.” – Benjamin Franklin

I don’t know any other investment whose cost is so far removed from its value aside from a Great Book.

“Work hard and you’ll eventually get rich.”

We’ve all heard that advice. We followed it and worked hard at our jobs… yet still FAILED to get rich.

PositiveSSL

So HOW do we stop wasting our 13th month pay and bonuses? How do we put it to better use, while STILL having fun? We’re here to learn that now!
[Read more…]