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Pinakamalaking Pagkakamali na pwede mong gawin bago ka MagInvest

English Version (Click Here)

Maraming taon na ang nakalipas, naaalala ko noong sumali ako sa isang forex trading seminar dati. Ang guro ay nagturo ng pangunahing kaalaman o basics tungkol sa kung paano gumagana ang pagtrade ng currencies. Ang ilan sa mga natutunan namin ay kung paano gumagana ang markets, paano naaapektohan ng news at ekonomiya ang exchange rates, at iba pang aral gaya ng kung bakit magkaiba ang buy at sell price ng currency pairs (“spread” ang tawag dito), paano gamitin ang MT4 program, atbp. Ang event ay nagtagal hanggang gabi dahil sa dami ng itinuro sa amin. Mas-mahalaga pa ang seminar na ito dahil sa kung ano ang natutunan ko mula sa mga nakausap ko pagkatapos.

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The Biggest Mistake you can make Before Investing

Tagalog Version (Click Here)

I remember joining a forex trading seminar several years ago, and the instructors taught the basics of how trading currencies work. Among the lessons we learned were how the markets work, how news and economies affect exchange rates, and other lessons such as the difference between the buy and sell price of currency pairs (it’s called the “spread”), how to use the MT4 program, and more. The event lasted well into the evening due to the amount of information that was taught. It was even more educational because of what I learned from the people I talked to afterwards.

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Ano ang Stockholder / Shareholder Meeting?

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Kapag nagbabasa ka tungkol sa stocks at shares, madalas makikita mo ang mga salitang “voting rights.” Kung hindi mo pa alam kung saan at paano sila gamitin, mabuti na sumama ka sa isang stockholder meeting! Kahit iba-iba ang ginagawa ng mga kumpanya o organisasyon, mabuting basahin mo ito para malaman mo kung ano ang stockholder meeting.

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What’s in a Stockholder / Shareholder Meeting?

Tagalog Version (Click Here)

Whenever you read about stocks and shares, you’ll often come across the term “voting rights.” If you’re wondering where and how you’ll use them, then you should probably join a shareholder meeting! Although every company or organization will be different, this is what you can expect.

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Mga Mabuting Bilihin: Anim na Mabuting bagay na Kailangan paglaanan ng Pera

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Sabi ni Joe Biden, “huwag mong sabihin sa akin kung ano ang pinahahalagahan mo, ipakita mo sa akin ang budget mo at sasabihin ko sa iyo ang pinahahalagahan mo sa buhay.” Ang ibang tao nagsisikap kumita ng pera at ginagamit nila ito para bumili ng alak, sigarilyo, o ilegal na droga. Ang iba naman, nagsisikap para makabili ng mga bagay na nagpapabuti sa buhay nila kagaya ng paglalakbay, edukasyon, at pagpapabuti sa sarili o self-improvement. Sa sandali nating buhay sa mundo, ano nga ba ang magagawa natin para sulitin ito? Ano ang dapat nating gawin para mapadami ang ating makakamit gamit ang perang pinagsikapan natin? Ito ang ilang idea sa mga bagay na kailangan mong paglaanan ng pera!

*Paalala: Hindi ko isasama dito ang mga bilihing kailangan para mabuhay gaya ng pagkain, tubig, at mga iba pang pangangailangan kagaya ng kuryente o internet. Ang mga nandito ay mga bagay na kailangan mong paglaanan ng pera pagkatapos mong mabayaran ang mga iyon. [Read more…]

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What to Spend Money On: 6 Great things You should Budget for

Tagalog Version (Click Here)

Joe Biden said “Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” Some people work hard to earn money and they spend it all on liquor, cigarettes, or even illegal drugs. Others work hard to pay for things that enrich their lives like travel, self-education and self-improvement. In our limited lifespans, what can we do to make the most of it? What should we do to maximize our achievement using the money that we earn? Here are a few ideas on what to spend money on!

*Note: I won’t include necessities like food and water or utilities like electricity and internet here. These are the things you should spend money on after you’ve paid all your living expenses.

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Karunungan nagiging Kayamanan: Ang 22 Best Pera Tips para Maging Mayaman mula sa “The Richest Man in Babylon”

*Ang article na ito ay naglalaman ng affiliate links.

English Version (Click Here)

“Pay yourself first” (Mag-ipon muna) o sa pagkatanggap mo ng iyong sweldo, ipunin mo ang 10% nito para mag-invest. Familiar ba ito? Para maging mayaman, iyon ang classic money management tip na nagmula kay George S. Clason, ang may akda ng “The Richest Man in Babylon.” Unang inilabas noong 1926, ang mga personal finance tips na matututunan natin mula sa librong ito ay napakahalaga para sa ating lahat.

*Note: Ang libro ay nasa public domain na at pwede mo itong mahanap ng libre sa internet!

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Wisdom into Gold: The 22 Best Money Management Tips from “The Richest Man in Babylon”

*This article contains affiliate links.

Tagalog Version (Click Here)

“Pay yourself first” or right after receiving your paycheck, take 10% of it for investing. Sound familiar? That was the classic money management tip from George S. Clason, the author of “The Richest Man in Babylon.” Originally published by 1926, the timeless personal finance tips that we can learn from the stories still hold value today.

*Note: The book is in public domain and you can search for it freely on the internet!

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Ano ang Stocks at Bakit mo kailangang Mag-Invest Dito?

English Version (Click Here)

Matapos kontrolin ang iyong paggastos, magbayad ng mga utang, at mag-ipon ng pera, ang susunod mong kailangang gawin para makamit ang financial freedom ay magsimulang mag-invest! Ano ang isa sa pinakamabuti at pinakapopular na investment ngayon? Stocks! Kung hindi mo pa napapag-aralan ito at kung gusto mong matutunan ang basics, may guide kami dito para sa iyo!

 

Ano ang Stocks?

Isipin mo na, kasama ang siyam mong kaibigan, ginusto mong magsimula ng negosyo kaya kayong lahat ay nagbigay ng cash, kagamitan, materyales, at iba pa na nagkakahalaga ng P1,000. Sa negosyong iyon, kayong mga magkakaibigan ay nag-desisyon na pantay-pantay na maghati-hati ng kita at pagmamayari sa kumpanya. Sa ganoong sitwasyon, ang negosyo ay parang may 10 shares of stock at ang bawat isa sa inyo ay may ari ng isa.

Ang Stocks na minsa’y tinatawag na “shares” o “equities” ay nagsisimbolo ng hati ng pagmamay-ari ng isang kumpanya. Ang Stock Market naman ay ang lugar kung saan ang mga shares na ito ay binebenta at binibili. Kung halimbawa ang isang kumpanya ay naglabas ng 10,000 shares of stock outstanding at ikaw ay bumili ng 100 shares, ikaw ay magiging stockholder at magmamay-ari ka ng 1% ng kumpanyang iyon (100 ay 1% ng 10,000).

Gaya ng halimbawa sa itaas, kung stockholder ka ikaw ay nagmamay-ari ng bahagi ng assets ng kumpanya at ikaw rin ay minsan makakatanggap ng bahagi ng kinikita ng kumpanya na tinatawag na Dividends. Alalahanin mo din na ang ilang kumpanya ay hindi nagbibigay ng dividends at naipapasok lang nila ang kinikita nila sa kumpanya, kaya sa ganoong sitwasyon kikita ka ng pera kapag binenta mo ang shares na binili mo kapag tumaas ang presyo ng stock (capital appreciation) o kapag ikaw ay nag-short sell. [Read more…]

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What are Stocks and Why should you Invest in them?

Tagalog Version (Click Here)

After controlling your expenses, paying back debts and saving money, the next step in your journey to financial freedom is to start investing! What’s one of the best and most common investment vehicles nowadays? Stocks! Now, if you haven’t had the time to study what stocks are and if you want to learn the basics, then we have a short guide for you right here!

 

What are Stocks?

Imagine you and nine of your friends want to start a business so you each equally contribute around P1,000 in cash, equipment, materials and more. In that business, you each decide to share the profits and ownership equally. In that scenario, it will be similar to the business having 10 shares of stock and each of you own one.

Stocks, which also called “shares” or “equities,” signify shares of ownership in a company. The Stock Market is the place where these shares are traded. If, for example, a certain company issues 10,000 shares of stock outstanding and you bought 100 shares, you become a stockholder and you own 1% of that company (100 is 1% of 10,000).

Like the example above, if you’re a stockholder you own part of the company’s assets AND you might also receive a part of the company’s profits in the form of Dividends. Some companies don’t give out dividends and simply reinvest earnings though, so in those cases you earn money when you sell them after the stock price goes up (capital appreciation) or when you perform a short sell. [Read more…]

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