Your Wealthy Mind Author : Ray L.

Three Valuable Lessons from the Desiderata

October 7, 2020 by Ray L. Leave a Comment

Tagalog Version (Click Here)

I still remember all those sleepy mornings several years ago when my family would wake up before 5am to eat breakfast and my brother and I would prepare to go to school. There wasn’t much to do way back then. There were no cellphones or social media sites to distract us, and there were no decent TV shows to watch that early in the morning.

During all those years of mine in grade school and highschool, we had a small wooden plaque hanging over our dinner table and it had a poem written on it, the Desiderata, by Max Ehrmann. That was the only thing I could read in the dining room all those years, and I learned some incredibly valuable lessons from it. I’d like to share what I learned with you here.

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Paano Iwasan ang mga Online Scams: SMS Spoofing at Phishing

September 7, 2020 by Ray L. 1 Comment

English Version (Click Here)

May naisulat na akong isa pang article tungkol sa mga online scams, pero itong article na ito ay tungkol naman sa phishing at SMS spoofing na mas kumakalat ngayon sa Pilipinas. Kung ayaw mong mawalan ng libo libo o milyon milyong piso sa mga scam at modus na iyon, basahin mo lang ito para malaman mo kung ano sila at kung paano mo sila maiiwasan.

Una sa lahat, para may idea ka sa kung paano gumagana ang mga phishing scam, isipin mong nasa mall ka ngayon at bumibili ng mga groceries. Habang namimili ka, bigla kang nilapitan ng isang “trabahador mula sa Meralco” at hinihingi niya ang iyong pangalan, address ng iyong tirahan, at ang susi ng bahay mo dahil “may kailangan silang iverify” doon.

Ibibigay mo ba sa kanya ang susi ng bahay mo?

Ayaw mo? Paano kung sinabi niyang puputulan niya kayo ng kuryente kung hindi mo siya pinagbigyan? Ibibigay mo na ba ang iyong address at susi?

Malamang alam mo nang obvious na scam o modus lang iyon, pero marami ang nabibiktima ng mga ganoong modus online. Ganoon ang itsura ng mga phishing scam, pero imbes na makaharap mo ang isang kriminal na may pekeng uniporme at pekeng ID, ito’y isang text message o email na nanghihingi ng iyong password, one-time PIN (OTPs), verification codes, o iba pang mahalagang impormasyon tungkol sa iyo.

Huwag mong sasabihin kahit kanino ang iyong password, PINs, at OTPs dahil iyon ang mga “susi” sa iyong accounts. Hindi iyon hihingiin ng mga TOTOONG empleyado ng mga bangko at mga kumpanya, pero madalas itong hihingiin ng mga kriminal na gusto kang nakawan.

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How to Avoid Scams Online: SMS Spoofing and Phishing

September 2, 2020 by Ray L. Leave a Comment

Tagalog Version (Click Here)

While I’ve already made a previous article about how to avoid scams online, this version is mostly about phishing and SMS spoofing scams which are becoming more common in the Philippines. If you don’t want to lose thousands or even millions of pesos to those kinds of scams, then keep reading to learn more about them and how to avoid them.

First off, to give you a picture of how phishing scams work, imagine you’re in a mall buying groceries. Suddenly, a “worker from an electric company” comes up to you and asks you for your name, home address, and the keys to your house because they need to “verify things”.

Will you give them your house keys?

You don’t want to? What if they say they’ll cut off your electricity if you refuse? Will you give them your address and house keys then?

Yeah, you probably already know that it’s OBVIOUSLY a scam, but people fall for that kind of thing ONLINE. That is exactly how phishing scams work, but instead of a scammer wearing a fake uniform and fake ID, it’s a text message or an email asking for your password, One-time PINs (OTPs), verification codes, and other important personal information.

Never give anyone your password, PINs, and OTPs as those are the “keys” to your accounts. REAL bank and company employees will never ask for that information, but criminals almost always do.

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Bulls, Bears, Bubbles at Recessions? Pagbasa ng Market para sa mga Baguhan

August 14, 2020 by Ray L. 1 Comment

English Version (Click Here)

Kung napadpad ka sa business section ng dyaryo, malamang may mababasa kang articles tungkol sa kung paano “bearish” ang stock market sa nakaraang panahon, may “bubble” sa isang industry, o may paparating na recession ayon sa isang eksperto. Kung interesado kang pag-aralan ang investing at ang stock market, baka maguluhan ka dahil nagmumukhang mas komplikado ang lahat dahil sa mga kakaibang salitang iyon.

Dahil madalas nasa headlines ng mga business at investing articles ang mga ganoong klase ng salita, kung malaman mo ang ibig-sabihin ng ilan sa kanila mas mabilis mong mauunawaan ang mga nangyayari sa market sa unang sulyap pa lang. Pag-uusapan natin dito ang ilan sa mga salitang iyon.

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Bulls, Bears, Bubbles and Recessions? Reading about the Market for Beginners

August 4, 2020 by Ray L. Leave a Comment

Tagalog Version (Click Here)

If you happen to glance over the business section of the news, you’d probably read some articles about how the stock market has been “bearish” lately, there is a bubble in a certain industry, or there’s an upcoming recession predicted by some expert. If you’re interested in learning about investing and the stock market, all that fancy jargon could turn you off as it makes things more complicated than it should be.

Since those kinda words are usually on headlines of business and investing articles, learning what a few of them means should tell you a lot about what’s happening to the market at a glance. Let’s talk a bit about about that here.

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