Your Wealthy Mind Author : Ray L.

Skills for a Better Livelihood: A Quick Glance at TESDA

May 24, 2016 by Ray L. Leave a Comment

Tagalog Version (Click Here)

“Give a man a fish and he’ll eat for a day; teach a man how to fish and he’ll eat for a lifetime.”

One of the main reasons why YourWealthyMind.com was created is to help the needy by providing information that they might need. For the average poor Filipino or the low wage employee with a family to feed, life feels like a maze of hard work with little reward. Fortunately, the way out can be learned.

Before we begin, we have to learn one important fact: It’s not how hard we work that determines our pay but how much VALUE we give.

A street sweeper earns less than a software developer.

A rag peddler earns less than a real estate sales agent.

A cook that makes cheap stew earns less than a gourmet chef at a five-star restaurant.

The time and effort at work is similar, but the pay differences are immense.

What’s the key to it all? Useful KNOWLEDGE.

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

May 17, 2016 by Ray L. 8 Comments

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…]

What are Stocks and Why should you Invest in them?

May 17, 2016 by Ray L. 1 Comment

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…]

Paano pumili ng Stocks: 10 Terms na kailangan mong matutunan

May 10, 2016 by Ray L. 2 Comments

English Version (Click Here)

Itinuturo palagi ng mga personal finance guru na kailangan mong ipunin ang bahagi ng kinikita mo para mag-invest, pero iilan lang ang nagtuturo sa iyo ng mga aral tungkol sa fundamental analysis (pagsusuri sa mga kumpanya) at kung paano ka dapat pipili ng mga stock investments bukod sa “bilhin mo ang shares ng mga malalaking kumpanya.”

Sabi ni Warren Buffett, “Risk comes from not knowing what you’re doing” o ang panganib ay nagmumula sa hindi mo pag-alam sa ginagawa mo. Bago ka mag-invest sa isang stock, kailangan mong matutunan kung ano ang sinasabi ng mga valuation numbers. Kailangan mong malaman ang ikinukuwento ng mga numero tungkol sa performance ng kumpanya kaysa magsugal ka base sa sinasabi ng mga stock price graph.

*Note: Ito ay basic guide lamang at isasama ko ang mga links sa investopedia articles kung gusto mo pang magbasa tungkol dito. Ang tunay na halaga nitong article na ito ay nasa Tagalog translation dahil ito’y isang primer para sa mga Pilipino na gustong matutunan ang ilang bagay tungkol sa kung paano pumili ng pinakamabuting stocks at kung paano mag invest sa stock market.

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Choosing the Best Stocks: 10 Investing Terms you HAVE to Learn

May 10, 2016 by Ray L. 3 Comments

Tagalog Version (Click Here)

Personal finance gurus all teach you to save a part of what you earn and invest it, but not a lot of them will teach you the specifics of fundamental analysis (analyzing the specifics of companies) and how you should choose specific stock investments aside from “buy shares of big companies.”

Warren Buffett said that “Risk comes from not knowing what you’re doing.” Before you invest in a stock, you need to learn what the company’s valuation numbers mean. You need to know what the numbers say about the company’s performance instead of gambling solely on what the stock price graphs say.

*Note: This is a basic guide and I’ll include links to the Investopedia articles if you want to know more about each one. The true importance of this guide is in its Tagalog translation as it’s intended to serve as a primer for Filipinos who want to learn a few things about choosing the best stocks.

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