investing

Stock Investing Basics: 4 na Tuntunin ni Benjamin Graham sa kung Paano Mag-Invest sa Common Stock

December 7, 2015 by Ray L. Leave a Comment

English Version (Click Here)

Sinabi ko sa ilang articles ko na bukod sa pagtrabaho para kumita ng pera, kailangan mo ring Mag-ipon at Mag-invest kung pangarap mong maging masagana o financially successful.

Sa isang article ko, sinabi ko rin kung bakit hindi ako magrerecommenda ng mga stocks (Basahin mo ito kung gusto mong malaman kung paano ka pwedeng manipulahin ng mga “Investment Advisors”), pero pwede kong ibahagi sa iyo ang mga natutunan ko sa mga libro at research ng IBANG investors.

“Ang mga hangal ay nagsasabi na natututo sila mula sa kanilang karanasan. Mas-gusto kong matuto mula sa karanasan ng iba.” – Otto von Bismarck

Hindi mo kailangan maging sobrang yamang super-genius para maging investor. Ang kailangan mo lang (bukod sa brokers kagaya ng BPITrade o ColFinancial kapag nakatira ka sa Pilipinas) ay kaunting pera, disiplina, at kaalaman.

Basahin mo na muna itong simpleng tuntunin ni Benjamin Graham, ang may-akda ng investment classic na “The Intelligent Investor.”
[Read more…]

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

December 7, 2015 by Ray L. 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.”
[Read more…]

3 Steps Para Magsikap at Magpayaman

September 29, 2015 by Ray L. Leave a Comment

English Version (Click Here)

“Magsikap ka sa trabaho at yayaman ka.”

Narinig na nating lahat iyon. Sinundan natin ang payo at nagsikap sa trabaho… pero NABIGO pa rin tayo sa pagpapayaman.

Overtime ka palagi, nagtratrabaho sa weekends, at minsan naghahanap ka pa ng second job, pero hindi ka pa rin yumayaman. Nahihirapan ka pa rin magbayad ng mga bills, at hindi mo pa rin mabili ang iyong dream home, ang pangarap mong kotse, international na bakasyon, pagkain sa napakasarap na restaurant, o pambayad sa tuition fee ng magandang school para sa iyong mga anak. Nahihirapan ka rin sigurong magdonate ng P1,000 sa charity.

May pay raises ka nga, mga bonus, at mga promotion sa pagtrabaho ng maigi… pero malamang hindi ito sapat para sa lahat ng pangarap mo sa buhay.

Bakit ang iba yumayaman at ang iba hindi? Paano mo nga ba mapapagsikapan ang mga pangarap mo?
[Read more…]

3 Steps to Make Money and Get Rich

September 28, 2015 by Ray L. 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?
[Read more…]

Mag-ingat: Investment Advisor Scams

September 4, 2015 by Ray L. Leave a Comment

ENGLISH Version (Click Here)

Isang biyernes ng hapon, ipinakita sa akin ng kaibigan ko ang isang investment strategy video.

Sa simula, akala ko ito’y tungkol sa “money cost averaging,” isang epektibong technique na nagpapababa ng risk gamit ang pag-invest ng naka-set na amount ng pera ng paunti-unti. Hindi pala tungkol doon ang video na nakita ko. Gaya ng pagkaganda ng fast-food hamburger sa mga TV commercial kaysa sa totoong produkto, ang investment “system” nila ay nagpapakita ng napakagandang past performance returns (mga 20-30% ang kita). Posible nga ang ganoong kita… kung NAPAKASWERTE ka. Ang mga umaasa na PALAGING makakakuha ng ganoong kita ay mabibigo.

Sa kalagitnaan ng video patuloy ipinakita kung paano gumagana ang “system.” Kinilabutan ako noon. Nanlaki ang mata ko at napapigil hininga ako ng ilang sandali. Para akong nanonood ng commercial na nagpapainom ng pesticide bilang “health” drink.
[Read more…]