finance

How to Invest in Stocks: 10 Things Beginners NEED to Know

February 15, 2016 by Ray L. 1 Comment

Tagalog Version (Click Here)

After reading and following the advice of so many personal finance and investment books like “The Millionaire Next Door,” “The Motley Fool Million Dollar Portfolio,” “The Bogleheads’ Guide to Investing,” and several others, there are several lessons that come up again and again due to their importance. If you’re a beginner and you want to learn how to invest in stocks, then these are the 10 crucial lessons that you need to know:

1. STUDY FIRST

Warren Buffett, one of the wealthiest billionaires of the 21st century, said that “risk comes from not knowing what you’re doing.” Whether it’s from books, seminars, blog articles, or anything else, you must read and learn from the best investing guides out there. If you don’t you will likely waste money on “investments” that are doomed to fail, and you will also be VERY easy to scam.

Like what Jim Rohn said: “Formal education will make you a living; self-education will make you a fortune.” If you start properly educating yourself, you will most likely learn the next nine lessons on your own (and you will also learn several more valuable and advanced lessons as well).

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Paano Magtipid ng Pera: Tatlong Masamang Mindset na Kailangang Iwasan

February 2, 2016 by Ray L. 2 Comments

English Version (Click Here)

Isipin mong may robot na palaging bumabangga sa mga bato, pader, at nahuhulog palagi sa bangin habang nagtratrabaho sa isang lugar. Dahil sa naka-program na pattern na iyon, nasisira ang robot at kailangan siyang ayusin linggo linggo. Kahit alam ng robot na masamang masira, hindi niya mapigilan ang sarili niya dahil ganoon ang pagkaprogram sa kanya. Ganoon din tayong mga tao at kailangan nating maintindihan iyon para matutunan natin kung paano magtipid ng pera:

Kapag binago natin ang “bad programming” na nagdudulot ng pag-aksaya sa pera, mapipigilan natin ang paninira sa ating kinabukasan.

“Ang kasiyahan ng karamihan ay hindi naglalaho dahil sa malalaking trahedya o pagkakamali, pero sa paguulit-ulit ng mga maliliit na bagay na nakasisira dito.” – Ernest Dimnet

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How to Save Money: Three Thought Patterns to Unlearn NOW

February 2, 2016 by Ray L. Leave a Comment

Tagalog Version (Click Here)

Imagine a robot bumping into boulders, walking into walls, and falling off ledges while moving around the workplace. Because of that programmed pattern, it gets seriously damaged and needs repairs every week. Although it knows that being damaged is bad, it still can’t stop itself from bumping into walls or falling off ledges as those are what it’s been programmed to do. Humans behave in a similar way and knowing how to change that is the number one key to learn how to save money:

If we change our “bad programming” or bad spending habits, we will certainly stop damaging our financial future.

“The happiness of most people is not ruined by great catastrophes or fatal errors, but by the repetition of slowly destructive little things.” – Ernest Dimnet

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Paano Maging Mayaman: Gamiting Mabuti ang Pera

January 13, 2016 by Ray L. 7 Comments

English Version (Click Here)

“Ang gumamit mabuti ng kung ano man ang mayroon sila, mas-marami ang maibibigay sa kanila at magiging masagana ang buhay nila. Sa mga walang ginagawa, babawiin ang ano mang mayroon sila.” – Matthew 25:29 (Isinalin mula sa NLT)

Si Brian Tracy ay nagsulat ng isang kabanata tungkol sa “laws of money” sa kanyang libro na “The 100 Absolutely Unbreakable Laws of Business Success” at may isang bahagi doong napagtuunan ko ng pansin (mahalaga ito kapag gusto mong malaman kung paano maging mayaman):

“Money tends to flow toward people who can use it in the most productive ways to produce valuable goods and services and who can invest it to create employment and opportunities that benefit others.

At the same time, money flows away from those who use it poorly or who spend it in nonproductive ways.”

(Ang pera ay pumupunta sa mga taong nakakagamit nito ng mabuti upang gumawa ng mahahalagang bagay o serbisyo at nakakapag-invest nito upang makagawa ng trabaho at oportunidad na nakabubuti sa iba.

Bukod pa doon, ang pera ay lumalayo sa mga hindi marunong gumamit nito ng mabuti.)

In short: Dadami ang pera mo kapag ginamit mo ito sa mainam na paraan at mawawalan ka ng pera kapag hindi mo ito ginagamit ng maayos.

Medyo obvious yung aral na iyon, pero iilan lang ang nakaaalala nito. Kapareho lang ito ng mga naninigarilyo: Alam nilang nakakasama sa kanilang katawan ang paninigarilyo pero patuloy pa rin nila itong ginagawa kahit gusto nilang maging healthy.

Alam nating nakakasama ang ilang paraan ng paghahawak ng pera, pero ginagawa pa rin natin ito kahit pangarap nating yumaman balang-araw.

Malala pa doon, marami sa atin ang hindi alam na nagsasayang pala tayo ng pera!
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How to Get Rich: Use Money Wisely

January 12, 2016 by Ray L. Leave a Comment

Tagalog Version (Click Here)

“To those who use well what they are given, even more will be given, and they will have an abundance. But from those who do nothing, even what little they have will be taken away.” – Matthew 25:29 (NLT)

Brian Tracy wrote a chapter on the “laws of money” in “The 100 Absolutely Unbreakable Laws of Business Success” and one particular passage caught my eye:

At the same time, money flows away from those who use it poorly or who spend it in nonproductive ways.”

In short: You get more money when you use it well and you lose money if you use it wastefully.

That key idea seems obvious, but it’s mostly ignored by a lot of people, similar to how smokers know that smoking is bad but continue to do so anyway even if they wish to have good health.

Most of us know that wasting all our money on certain things is bad, but we do it anyway even if we someday hope to be rich.

What’s worse is, many of us don’t even know that we’re spending money unwisely!
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