Archive for the ‘mind’ Category


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 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



Karma is not just a mere philosophy, more importantly it is science. I simply define Karma as the resulting effect of the experience you cause. Our soul emanates from our Source which is God and we walk in the road of life by every experience that we encounter. The experience we go through is caused by us, and because it is caused by us, we are responsible for the event it effectuates.

In Einstein’s third law of motion it states that, for every action there is an equal and opposite reaction. It describes one important universal principle that states, if you cause something you will also see an effect. Personally, I view this not just an elaborate path towards Divine correction but also a healing process of the soul.

According to Gary Zukav, “Every action, thought and feeling is motivated by an intention, and that intention is the cause that exists as one with an effect.” If this is the case, then if we participate in the cause, it is not possible for us not to participate in the effect. We are so habituated to the belief that we are responsible for some of the effect of the actions that we do, but not all. My conviction is that, nothing that we cause is exempted from the Universal Law of Karma. Remember, we all partake in the fruit of the seed that we sow. It is therefore judicious for us to be aware of all the intentions that motivate our actions, sort out which of our intentions produce which effects, and to choose the intentions according to the effects that we desire to produce.

When you intend to harm others, you cause an imbalance of energy. Any imbalance in the universe will have to be corrected and because the universe will have to correct it, you will incur for yourself a debt against Karma that you will have to pay through experience. This universal principle is called Karmic Debt. The person who intends ill-wishes and hatreds for others experiences the intention of ill-wishes and hatreds from others. The person who intends love and forgiveness to others also experiences the intention of love and forgiveness from others. The Golden Rule of Karma as a behavioral guide clarifies that, you receive from the world what you give to the world.

If you think you have gotten away from the trespasses you have done to your friend and neighbor, then you have deceived yourself. Because even if the cause has not yet produced its effect, that means the event has not yet come into completion.

There is only one way of paying Karmic Debt. The only way is to go through the experience under the counsel of your impersonal and universal teacher called Karma. When you go through a difficult and daunting experience, you have to look down within yourself if you cause unto others that same morose experience you are going through. Having able to recognize this, you must receive the experience with the willingness to make amends but if you respond to it with nothing but rage and vindictive thoughts, you will only cause yourself another Karmic debt.

Karma acts as a universal teacher rather than a hostile executioner. Therefore, it is not bad at all. It is a way to balance an imbalance energy field; it is way to correct an erroneous past decision; it is a way to find courage to pardon an injury; it is God’s way to right what humans made wrong.

You incur Karmic debt when you become dishonest, when you respond hate to an injury, when you refuse to see and listen to the truth. But if you respond with love in every chance there is, despite of how unfair your situation may seem, you do not only pay your karmic debt but gain Karmic Profit as well. I did not say responding love to hate is easy; as a matter of fact it is a struggle amidst our individual religiosity. That is the reason why most people suffer from lack of peace more than the abundance of blessings.

It is necessary for you to experience that same injury you caused unto others so you will come into enlightenment the repercussions of your muddled actions because every enlightenment have healing moved for that experience. It produces subtle clarity of Divine love, authentic joy, purposeful goal and inner peace. Through this, you learn to understand the significance and meaning of every event in your life.

As you finally understand this truth, learn to pay your Karmic debt by finding an opportunity to love your enemies. Your positive response appoints you to qualify for Karmic Profit in the enlightenment of the process.

Now! Pay your karmic debt and never owe again.



The world is truly saddened for the loss of a true passionate leader who had helped changed the world – Nelson Mandela.

Even in the confines of his own cell, Nelson Mandela’s incarceration for 27 years by smashing apartheid in his home country (South Africa) had paved the way to bring balance in the scale of social equality. Discrimination and many other social injustices were exposed in the eyes of the world causing an awakening in humanity’s desire for egalitarianism that shaped the succeeding generation’s consciousness for social justice.

To pay homage to Mandela’s legacy, I have collected what I consider as his 10 most powerful quotes. 


1. “Education is the most powerful weapon which you can use to change the world.”

2. “I learned that courage was not the absence of fear but the triumph over it. The brave man is not that he who does not feel afraid, but he who conquers that fear.”

3. “There is no passion to be found playing small – in settling a life that is less than you are capable of living.”

4. “We must use time wisely and forever realize that the time is always right to do it.”

5. “Money won’t create success. The freedom to make it will.”

6. “There is nothing like returning to a place that remains unchanged to find the ways in which you yourself have altered.” 

7. “Courageous people do not fear of forgiving, for the sale of peace.” 

8. “A good head and a good heart are always a formidable combination.” 

9. “It always seems impossible until it’s done. “

10. “As I walked out the door to the gate that will lead to my freedom, I knew that if I didn’t leave my hatred and bitterness behind, I’d still be in prison.” 

Sages would advise that gratitude is the key towards receiving more. As you all know, nobody would want to be around an ungrateful fellow. We can surely thank every material thing we receive but it is more wonderful to recognize most profound gifts of life as given by people we know and even by those we do not expect.

Please take time to call, SMS or email both amazing and unusual people that had touched your life strangely this year.

  1. People who makes us happy; they are the charming gardeners who make our life blossom.
  2. People who turned us down; they are life’s traffic aids preventing us to go the wrong way so we’d land at a purpose driven life.
  3. People who counseled us with sound advice; they are the microphones of God from heaven motivating us to make wise decisions.
  4. People who caused you pain; they are the blacksmiths pounding your character to let you know what you are really made of.
  5. People who always keep you company; they are our guardian angels in disguise that make our day flow easy.
  6. People who left us in times of need; they are arbitrators of relationships who tells us how to choose loyal friends next time.
  7. People who asked for our forgiveness; they are agents of humility that restore our broken trust so we can heal our broken spirit.
  8. People who we call as our family; they are our spiritual homes where we can run for safety in times of defeat and pain.



Do you know who you are? Do you know where you come from? Do you know your nature?

The biggest allusion presented by science is the idea that humans come from apes through evolution.

I personally believe that there is a damaging effect of this to children. Imagine a child at grade one being told that she came from the family of monkeys that has gradually developed to modern-day human. It may sound like a legend to them but it could more likely dilute them to the idea that they are mere accidents of nature – as opposed to the truth provided by the Word that every human being is carefully formed in the dark recesses of the mother’s womb by the mighty hands of God.

It is easy to question your identity in the face of wretchedness. You can be quick to dismiss your worth and eventually give-up. In the face of trials, you then begin to ask how in the world you came to be and finding yourself hugging yourself inside your sun-deprived room because you are alone in facing the tumultuous tomorrow of uncertainty.

But if you believe that you have a Father that constantly looks over you; whose kind heart abundantly flows with love for you; whose mind thinks for your best interest. You can quickly console yourself that you are not at all alone. You can avoid pointless fears and worries. You can keep yourself have a winning mindset. And you can see opportunity in the face of difficulties thereby finding smart solutions to it that will eventually lead into a complete turn-around.

You nature emanates from the Divine that created you. Your nature draws life force from a limitless Source. All you have to do is to trust your own nature because your nature is the God that dwells within your heart.

Trust your own nature, because whether you agree or not; even bad times ends.