Bilang OFW ako

Limang taon na akong OFW, pero bago ako nag OFW maganda rin naman ang kita at trabaho ko sa Pilipinas noon.  All in all mahigit isang dekada na akong nagtatrabaho, pero sa totoo lang, last year lang talaga ako talagang nagsimulang mag-ipon.

Noon, kahit anong laki ng sweldo ko laging ubos, minsan nga kulang pa.  Nung magpunta ako dito sa Dubai bulang OFW, ganun pa rin ang buhay ko.  Ubos biyaya. Sad to say ganoon ang buhay ng karamihan sa OFW, yung tipong paguwi pagnagbakasyon eh maraming pera, pero isang linggo pa lang nakalipas gusto ng bumalik sa abroad kasi wala na...nganga na.

Ganito kasi ang gawain ng karamihan sa aming mga OFW.  Araw ng sweldo, padala sa pamilya sa Pinas.  Tapos bayad utang.  Tapos shopping.  Tapos kain sa labas.  Tapos bili ng kung ano ano.  Tapos, tapos na, tapos na yung isang buwang pinaghirapan namin.  Masakit mang aminin, ganoon ako noon.  More than three years ago.

Matapos ang dalawang taong pagpapasarap sa buhay,  gastos dito, gastos doon, shopping dito, shopping doon, kain dito, kain doon, nagising din ako sa katotohan na ang trabaho namin bilang OFW ay pansamantala lamang.  Nagsimula na akong maisip.  Syempre dahil gusto kong makaipon, naiisip ko agad, magiipon ako sa BANGKO.   Eh kasi nung bata ako may napanood akong commercial sa TV ang sabi "magimpok sa bangko".  Naisip ko rin kasi na ayaw kong abutan ng retirement years ko dito sa ibang bansa.

So ganun nga ginawa ko, buwan buwan pinipilit kong may matira sa sweldo ko.  Actually pahirapan talaga sa simula kasi nga nasanay ako sa gastadora kong buhay.  After a while napansin ko, kada na lang lumalaki ang pera ko sa bangko, nagkakaroon ng emergency sa bahay at kinakailangan kong magpadala.  Aba. Coincidence?  Ewan pero madalas ganoon eh.  Ginawa ko, imbes na magipon ako sa bank, bumili ako ng BONDS.  Sosyal no, BONDS.  Mas malaki ang interest rate nya compared sa normal account sa bank pero still, di pa rin enough.  Minsan napalya ako ng hulog, kasi may nagustuhan akong bilin like may bagong model ng mobile na talaga namang nagustuhan ko, so hindi muna ako bibili ng bonds.

Ganon ng ganon yun for more than a year.  Tapos may nabasa akong napagandang blog ni Bo Sanchez about investing.  Sabi ko sa sarili ko, "wow possible pala yun".

Bilang nagustuhan ko ang mga blogs nya, nag member ako sa Truly Rich Club nya.  Dun na nagsimula magbago ang outlook ko sa buhay when it comes to spending money and saving.  Sabi nya sa isa nyang blog, minsan daw kapag may ipon tayong pera sa bank, naamoy daw ng kamaganak natin yun, then bigla silang magkakasakit, or magkaka-emergency..hehehe...kaya siguro ganun nangyari sa akin dati...hahhaha...

Nagbigay din sya ng suggestion kung paano mo hahatiin ang pera mo para masiguradong makaipon ka.  Ang pinatinandaan ko talaga eh yung sinabi nyang "save before spending".  Tama nga naman di ba.

Since last year, I have been investing in the stock market.  So far, mas malaki talaga ang kinita ng pera ko dun kesa sa bank or even sa bonds.  Hindi rin ako nahirapan mag decide kung anong stocks ang bibilin ko or kung kailan ko sa ibebenta.  Bilang member kasi ng Truly Rich Club, meron kaming monthly stock updates at 10 na recommended companies. So all I have to do each month is to choose from those and buy then hintay lang ako ng email from Bo kung kailan ko ibebenta ang stocks ko.  Madali lang di ba.

Hopefully lahat ng OFW ngayon at magismula ng mag invest.

If you want to learn how to invest in the stock market, click the link below

http://bit.ly/18jDNkt

How I Started Investing In The Stock Market

It was May 2012 when I first started investing on the stock market.  I just got married and I thought it was the best time to really think about my finances seriously.  I thought that if don't do it now, I won't be able to do it anymore.  I have been putting this on hold for a long time now and I don't want to pass the opportunity again.

The first stock I bought was with BPI.  I bought it at 67.80 PHP per stock. The following month I bought CEBU PACIFIC stocks, then I bought again another company stock the next month but I will not go into detail on each stock I have bought/sold for the past months as I wanted to just focus on BPI since it is where I got the most interest.

Like I said, I bought the stock at 67.80 in May.  I have noticed the the following month, it has gone up but not that much, if I remember it right it was 69 something, so I bought stock from another company.  It went on like that for the next six months.  I buy stocks from different companies every month and never sell (not yet) (so how do I know which company stocks to buy/sell - I will explain below).  In November, I received an email from my financial mentor to sell BPI stocks because it has gone "too high".  So I sold my BPI stocks at 95.65.  Now go get a calculator and compute how much I earned in six months....drum roll please...hehehe...its 27.85 PER STOCK.  Not bad in six months.  Will you ever earn that if you deposited your money in a  bank? NO!  I think the interest in the bank for a regular account is like 4% per annum only and the interest I got from investing on stocks is around 41% and that is only in six months.

So now if you are asking me how do I know which company stocks to buy/sell - You see, as a member of this financial spiritual club I get to have monthly stock updates; in these stock updates we are being updated on which companies are doing well and which company stocks to invest with.  If a certain company reaches its target price, we are being reminded to sell it or hold if the financial analyst feels that we could buy some more time as they think it would go higher.

Aside from the financial advices, I also get daily spiritual encouragements and with that I pay only 497 PHP (50 AED).  That is 1.5 hours of my regular work.

So if you are intersted in knowning who this wonderful, very intelligent, highly spiritual, handsome guy who has been preaching and teaching even the ordinary people on how to invest in the stock market, click the link below:

http://bit.ly/enah_trulyrichclub

Happy Investing

Bakit Ba Kailangan Natin Ng Financial Mentor?

Bakit nga ba kailangan ng mentor para lang makapag invest ako ng maayos sa stock market?  Bakit hindi ka na lang bumili ng stocks sa sikat na company and viola, may investment ka na.

Simple lang naman ang sagot, bakit ka pinasok ng parents mo sa preschool dati eh samantalang pwede namang sila lang maturo ng "basic" sayo, kasi they know na may taong may mas alam yung ginagawa nila kesa sa kanila.  Ganun din sa investment.  Kahit pa nga siguro financial analyst ka eh kailangan mo pa rin ng mentor.

You see with just 497 PHP a month, you will not only gain financial knowledge, you will also get spiritual abundance.  Every month you will get a well prepared, easy to understand stock update report.  Ni hindi mo na kailangan pang bantayan maigi ang stocks mo, hindi mo kailangan i-review ang company profile of the company you want to invest with and hindi mo rin kailangang i-review ang past performances nila.  All you have to do is to deposit money to your own account, check stock updates, decide which company to buy, buy the stocks and leave it.  The following month do the same.  If you get an email stating that its time to sell your stocks, sell it, check the stock updates and buy stocks again from another company.  Ang dali lang di ba, parang 1,2,3, A, B,C lang.  I have bought and sold stocks a couple of times but never, as in not even once, akong nalugi.  Ang pinaka mababang kinata ko eh nung ibeta ko ang Cebu Pacific stocks ko.  I bought it kasi at 67.90 and I sold it for 69 pesos per stock and pinaka malaki so far eh yung  sa BPI.

Madali naman sabihin na a certain company is doing good kasi sikat sya, kasi matagal na yung company, kasi client ka ng company na yun, pero alam mo ba kung yung current stock price eh nasa upper limit na, na in the next few months pwede siyang bumaba?  Alam mo ba kung kikita ka stocks mo eh kikita ka nga ng maganda? 

Of course there are ways of knowing those, pero para sa akin its tedious.  Bakit ko pa pahihirapan ang sarili ko kung meron namang financial mentor na pwedeng mag guide sa akin.  Hindi naman mabigat kung tutuusin ang 497 PHP a month, kasi you get more than what you paid for.  Bukod sa stock updates, you get access also to other financial talks of famous financial speakers.  You know what's the best thing about this, its money back guarantee.  Click now and become a member.


http://bit.ly/18jDNkt