Archive for the ‘Love’ Category

Cost-vs-Value

I got a query on facebook recently from someone who is interested to learn about stock market investment but somehow apprehensive about it due to the cost of investment.

First I would like to apologize to most of my facebook friends. I have been advocating that you invest in the Philippine stock market and yet I failed to consider individual financial capabilities. It is a fact that for the many and uninformed, the word stock market is quite intimidating. People believe that you need to have millions and millions of pesos to invest, giving an erroneous idea that the stock market are only for the rich. In this post, I will clarify some of these myths and I will try my very best to make this as simple as possible.

I personally believe that the stock market in a great equalizer. This means that both the rich and the average income earners can do it. You can buy shares of companies and become partners of growth in big corporations in the Philippines. These include the likes of Jollibee, Ayala Land, BPI, BDO, SM, GMA or ABS-CBN. How awesome is that!

So how much does it really cost to invest in the stock market? My answer is it depends primarily in two things: a. company price per share and b. number of shares you are willing to buy. To avoid confusions, please remember that  by definition a “stock” is equivalent to “shares”. So If I mention about stock I also mean shares. For example, in the case of Jollibee Foods Corporation, their price per share is P201.00 (as of may 29, 2015). Is this something you can afford? It’s funny sometimes because every time I talk about this example, people will assume I meant 201,000. Just imagine, when JFC opens its door in your next visits you can say to yourself that you are part owner of it.

However, our stock market will not allow you to buy just 1 share. Every company sells their share at multiple called board lot. Investopedia defines board lot as a “standardized number of shares defined by a stock exchange as a trading unit. In most cases, this means 100 shares. The purpose of a board lot is to avoid “odd lots” and to facilitate easier trading.” In the case of Jollibee (JFC), the minimum share you can buy is 10. Hence, 201 x 10 = 2,100 as the amount of money you need in order to start investing in JFC. Now tell me, can you really not afford it?

Wait there’s more!

There are also good companies like SM Prime Holdings (SMPH) whose share is only P19.24 (as of May 29, 2015). This is not even close to a cellphone load you buy almost everyday. SMPH’s board lot is 100 so this means 19.24 x 100= 1,924. If you can spend 500 pesos in your facial treatment and splurge 1,000 in Mall’s midnight sales, why can’t you set aside the same amount of money for investment for you and your family’s future? If you truly believe that the company I mentioned here will still exist in the next 10 years, then they can be your best pick to start with.

Clear so far? Do you really need millions to invest? You can answer that question by now.

Now you have the money, what do you do next?

The next thing you need to do is to get a broker. A broker is a regulated professional individual, usually associated with a brokerage firm or broker-dealer, who buys and sells stocks and other securities for both retail and institutional clients, through a stock exchange or over the counter, in return for a fee or commission. In this information age, we are so lucky that we can now transact almost anything online. And with this we have online brokers. There are many brokers in the Philippine Stock Exchange that allows you to open an account with them for as low as P 5,000. You can use that amount to start your very first buying of shares in the stock market. Of course if you have much extra cash then you can buy more. But if you are just starting, then P 5,000 is already a great start for you.

Brokers charge you by commissions. By buying and selling shares you also pay taxes that help our country. These are common charges you will encounter and that is normal. It really isn’t much, the most important thing is that you will learn and build a sturdy investment for your future.

I hope this post helps you at least get a better picture of the “cost of investment” in the stock market. Please do not be intimidated about numbers and terms, the more you study this, the more empowered you become.

I will leave you with these information and hopes that you will also do your own research. In my next post, I will explain how you can earn in the Stock Market.

P.S. If you need a financial plan for your investment and/ or coaching, please send me an email at fjaymoli@gmail.com. I will be more than willing to be your mentor and partner in your journey towards financial freedom.

P.S. 2. Please join our facebook group Pagadian City Stocks Network

My 2015 Declaration

Posted: December 31, 2014 in Love

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Many of us had quite a bumpy ride for the year 2014. A bumpy ride is not always associated with a negative event. Some of it may be sudden breakthroughs and even countless adventures, a completely new thing we do.

 

2014 without question is my year of massive recovery. I may have several misses and failures the other year but the learnings I have gotten from that experiences kept me from making unwise decisions again. I understood that in anything and everything that we do, we have to consult the Source of all breakthroughs and see if this is His will in our lives.

 

I look back for 2014 full of gratitude. I am grateful for every chance to make things right. I am grateful for every good people I met. I am grateful for new mentors who agreed to put up with my nonsense sometimes. I am grateful for the mending of some broken relationships. I am grateful for new businesses and investments I began to established. Above all, I am grateful to God for my family and friends who in many ways became my strength and voice when I cannot find mine.

 

I declare and believe that my 2015 will be filled with more joy, spiritual enrichment and financial favor. I trust that Lord will grant unto me my needs sufficient each day. I open myself to receive prosperity in all aspects in my life. I prepare my heart for a romantic love to emerge. I release all negative thoughts and consciously replace it with empowering ones.

I am excited for something good to happen in 2015.

 

To everyone who helped me become a better person this year, may the good Lord bless you more and may we continue to fellowship in the year called 2015.

 

God Bless All!

For every person there is a highly organized curriculum. The idea of the Holy Spirit. The idea that the Universe is invested in your self-actualization which is the same way of saying the Universe in invested in your own enlightenment.

God wants you to be happy, to be in light and to live in love – the kind of love that is not defected with the dogma set by your world as to what and how love must be expressed. God wants you to forgive and to be forgiven. And in our planetary journey, we come to across an experience where we both hurt and get pained that will set us up to the decision of forgiving and seeking forgiveness. Loss is not loss when properly perceive. Pain is impossible if we learn to elect to change our thoughts that hurt. There is no grief with any cause at all.

Our experience on Earth is all about life’s lessons. And all that we experience is bound with a unique and individualized curriculum for ourselves and ourselves alone. So everybody sitting somewhere, wherever you are right now, what possibly could you be doing and thinking; that’s “it”.  A lot of times people think, I want another relationship, another job or another experience in order for “it” to be happening. But it is our “being” of people that we are capable of “being” and the perfect lesson for us to practice “being” what we are capable of “being” is whatever is happening right now.

Some people will say, “Someday my path will start”. What they don’t realize is that right now they are in that path.

If you are a person who are specifically coming to this mental programming, you must ask yourself everyday, “who have you not forgiven?” or “who have you hurt?”.

The Course in Miracles says. You can have a grievance or a miracle but you cannot have both. So if you are thinking with an attack thought with someone that means your heart is blocked. And they are not suffering, but you are suffering. So do not wonder if a miracle you must have hoped for is not yet happening.

Miracle occurs as a natural expression of love. It is a shift of perception from fear to love. So as long as your heart is open in love, whatever wonderful thing that is supposed to happen will happen. But if your heart is shut, you are deflecting the miracle and the otherwise begins happening. So drenched yourself with love and see miracles to happen.

 

Gratitude

There are two wonderful things in life; first, is the day you were born and the second is the day you find out why.

 

Today, the Lord has proven His faithfulness to me again by giving me another year to live. This birthday is truly meaningful for God led me to a totally new direction. For so many years I have evaded from this path but now I am embracing it wholeheartedly.

 

For the past two years I endured the darkest storm in my life. My footstool has been shaken and been overwhelmed with enormous challenges from all directions. Losing a fortune, a flourishing career and good plans are devastatingly painful but nothing beats the pain of being abandoned by friends who unfairly lambast you with hurtful words on social media. I was reeling for a deep gangrene of a fallen relationship with them, a relationship I closely likened to my siblings.

 

I decided to not dwell on it for in anything and everything I believe God have good reasons for allowing it to transpire. I learned to understand that we never learn when we are on the mountaintop, instead we learn best in the valley. No matter how dark this valley may get, as long as you remain steadfast in your faith in God, no storm can wipe you out from His amazing grace. Understand that God’s love for you is bigger than your greatest disappointments.

 

God in His infinite wisdom showed me that He has to remove nocuous friends so they will be replaced with anodyne ones. He has to take out opulent opportunities so meaningful careers can come in. He will make you do things so you can show others how to do it. He will allow you to reach the point of giving up so you will know that giving up is not the end but fighting is. It is in fighting for your visions and dreams that you will discover new strengths to grow and build again.

 

As I journey for another year in life, I am fully convinced that I am not alone. I know Someone walks beside me. Challenges will still come but my Lord’s yoke and burden are light.

 

To papa & mama, thank you forever.
To my beautiful sisters Jairus & Jaycel, I love you both.
To my true friends, you are my siblings from other parents.
To everyone who touched my life both friends and foe, gratitude for teaching me lessons.
To my great Lord and Savior Jesus Christ, I am forever in awe of your love to me. Thank you for directing me to my divine purpose. I LOVE YOU LORD.

 

 

Everyday, we engage into countless of correspondence with the people around us. The primary intention is to get our message across and be understood. As we continue to do this, we develop relationship with others and strengthening that relationship by repeating the process. However, as we seek to be understood we sometimes forget to first understand.

 

While it takes two people to build a relationship, it only requires one to change it – and maybe forever. How often do you get into trouble just by not saying what you really feel? Who really is to be blamed when you were misunderstood when you can just plainly open up and be honest? Quite sadly, because we fear to tarnish our existing relationship with others we sacrifice our ability to create a safer environment to air our feelings. Care enough to communicate how you feel.

 

When we don’t care enough how we feel we cut the authenticity of the communication process by not allowing our listener to participate in a healthy exchange process with greater awareness of the truth, understanding of what really took place and safety to tackle an issue. Hence, we fail to foster a chance for others to change their undesired behavior and explain their perspective. Remember, letting others know how we feel helps others how to carefully react with us.

 

The straight talk process always starts with you. You have to understand your truth and understand why you feel that way. Internal clarification happens when we know how to communicate these feelings positively by transferring that same clarity to our listener. When you feel a colleague unfairly criticizes your work that has offended you; care enough to tell him that his comment did not particularly help you professionally. In that way he will have a chance to avoid repeating it or apologize. Rather than slur the person, focus on the issue and work together to resolve it.

 

Put it simply, you get hurt sometimes because you did not tell others what you want and what you don’t like.

 

A caring straight talk is different from being frank or blunt. Working on resolving issues on “frankness” plain is selfish. What it seeks is to do is to solely air your feelings without considering that of others. It rampages the other end participant’s right towards a healthy communication process.

 

Eric Allenbaugh, Ph.D., in his book “Wake up Calls” suggests a 3-step strategy to get this:

 

1. This is what I experienced.
2. This is what I feel.
3. This is what I want.

 

Using the example about a colleague saying unkind words about your work and employing the strategy above, this is the appropriate way how to give feedback through a caring straight talk.

 

“When you criticized my work in front of my peers yesterday, I felt embarrassed. I want the value of your feedback, and I have learned much from your advice. I want you to continue giving me feedback, but I prefer that critical feedback be given to me privately. That works much better for me while making it easy for you.”