Posts Tagged ‘abundance’

Photo Courtesy: Google Images

Photo Courtesy: Google Images

Before you continue reading the whole post, I have a confession to make. I have become a victim of an investment scam (Aman Futures, 2012). It was year 2012 when a big fraction of my savings bid farewell in my pocket and down the drain to perish forever. Like most of the so called “investing people” that time, we all felt depressed and confused. But that nasty scar brought a gargantuan learning experience. I vowed to myself to not let it happen again. I subjected myself to self-imposed research, sought attendance in financial seminars and read and read to learn stuffs I never thought existed. I realized if people only knew what I know today, we all could have made wise investment decision. I hope this post will help provide guidance to you and the people you love.

Many people confuse investment with business or deliberately use them interchangeably. The truth is they are alike but are not the same. In Robert Kiyosaki’s Rich Dad, Poor Dad book series, it is a continuous theme and pronouncement that an investment is money you put into something that has the potential of getting a return. If you purchased something but has no potential gain/profit then it is not an investment. For example, you buy a new house and call it an investment. If you do not plan to have it rented or sell it in the future for a higher value; it must not be defined an investment.

Investment could mean a lot in many people. Some attach emotions to it which will make it wide of the mark. I know someone who buys a new car and say that it is an investment for himself. This isn’t an investment! You call it an ego bolster instead.

  1. Recruiters are in Haste – Scammers know that they do not offer you anything with value. And because you do not know it or doubt about it, they do not want to give you time to think about it. So to avoid that you’ll do in-depth research, they will be pushy. And to rid-off annoyance, you will sign up only to regret it in the end.
  1. Buy More to Earn More – This usually happen in “networking company” scams. They will sell you products that are hard to sell. When you realize that it is difficult to dispose your inventory, you have no resort but to recruit people to earn from their recruitment commissions. The problem with this thing is that, essentially no company will survive without a product being sold and bought. Earning money due to recruitment is a tell-tale sign of a company waiting to collapse. Here’s more, according to RA 5601 or otherwise known as Anti-Pyramiding Law, the SEC requires all MLM (Multi-Level Marketing Company) to not engage in Pyramiding Scheme. This means that total worth of products given back to members of the MLM must not go lower than 73% of the total capital shelled out by the member. Example, if your registration for a food supplement MLM company is P 10,000 the stocks you must receive should be worth not under P 7,300.00
  1. Recruiting Members to Earn – Now I really, really want you to get this so please read very carefully. If you were asked to recruit so you will be compensated, then you have all the right to doubt. Here’s why. According to the Securities and Exchange Commission (SEC) when a company registered to them as a corporation collects “membership fee” to compensate uplines and representatives and relies on the circulating membership (not on products sold), in effect that company are collecting securities or investment amount. Any company in the Philippines that sells securities or collects investment is defined as an “Investment Company” and because they will fall within that category, they are bound by law to secure a Secondary License (as per SRC RULE 68, AS AMENDED) from the SEC (Securities and Exchange Commission). If they fail to do so, then you are dealing with an unregistered company thereby making their offer null and illegal.
  1. Use the Rule of 72 – According to investopedia, “It is a rule stating that in order for you to find the number of years required to double your money at a given interest rate, you divide the compound return into 72. The result is the approximate number of years that it will take for your investment to grow”. How do you use this rule in your investment? If someone approaches you and says “ I will double your money in two years….” That simply means 72/2=36. Hence, using this formula, you know that your money will grow 36% per year. Although this is possible, this is also very ambitious. Remember risk-reward trade off, the higher the return the higher the risk. So if your heart is not prepared to take on high risk investments, this is not for you. The problem happens when representatives in these so called companies promised you that guaranteed return with NO RISK AT ALL. Quite frankly, a company without proven track record to provide that high return is a scam. Too good to be true as they say.
  1. Do your Homework and Research – We are in the information age so looking for information is easy. If you have any doubts about an investment opportunity or any networking company, you may check Securities and Exchanges Commission’s advisories. In their website you may be surprised to know that it houses a long list of companies who may have engaged into unfair investment practices. Always exercise due diligence so as not to be duped by shark-like scammers hungry to get hold of your hard-earned money.

P.S. I hope you learn something new. If you think this is helpful, please share.

P.S. 2. Please join our group in Facebook called Pagadian City Stocks Network

Photo Courtesy: ANC on the Money, ABS-CBN News Channel

Photo Courtesy: ANC on the Money, ABS-CBN News Channel

Let’s say you now have the cash to finally start to buy shares of your chosen company listed in the Philippine Stock Market, the next big question that you need to ask is; how do you earn money in the stock market?

Before I get into that, I have to caution everyone that picking stocks in the stock market requires careful study in the company you are investing on. Here, you have to look into company’s earning and its stability and to at least figure out the direction where this company is headed to. This careful study includes either “fundamental analysis” or “technical analysis” (which I am going to discuss further in upcoming post) OR a combination of both. You must believe in the integrity of the company you are investing. For instance, if you believe that BPI (Bank of the Philippine Islands) under the conglomerate of the Ayala’s will still be there and continually grow in the next 10 years or more, then this may be a good pick for your long term investment plans. Again, choosing must not be based on gut feeling but with diligence and careful research.

Earning money in the Philippine Stock Market comes in two ways: a. Price of share appreciation/Capital Appreciation or b. through dividends.

Price appreciation or Capital Appreciation simply means an increase of the value of the stock price from the amount you bought it. As the price of stock appreciates, your profit also increases. However, you will only enjoy this gain if you sell your stock and someone is willing to buy it. If you do not sell it, the profit you make is called “unrealized gain” but when you decide to sell it, you turn your gain into cash or also called “realized gain”.

For example, if you bought 1,000 shares of Emperador (the popular liquor brand) at P9.40 and after a few hours it appreciates to P10.00 and you decide to sell it, you then earn P0.60/share x 1,000 shares = P600. I don’t know with you but for me earning P600 for a single transaction isn’t bad at all.

Notice that in the example given above, you only earned a few centavos per share or 60 cents to be exact. If you are a kind of person who has a long-term investment horizon then we are looking into a probability of an exponential increase of your investment. ANC on the Money has wonderful example for this. According to them, if you invested P100,000 in DMCI (real estate company based in Manila) and kept your money there for 10 years, your total investment could have then become P28,000,000 by 2013. This even after we experience 2007 Asian financial crises, Oakwood mutiny, stories of graft and corruption in the Arroyo Administration and many more economic debilitating news.

Nevertheless, this is not always the case. If you invested in Agrinurture INC whose share is valued at P30.00 in 2004, you will be dismayed to find out that as of June 05, 2015 it is only worth P1.378 after the company has been linked to Binay’s alleged corruption cases. Hence, Stock Market is not for gamblers. It is for people who are diligent with their research.

Another way of earning in the Philippine Stock Market is through Dividends. If a company earns profit, you get a cut from their earnings too as an investor. Normally, this cash is a profit that will not be used by the company for expansion. Dividends may be given either in a form of CASH or in the form of STOCK. Either way, this is still a passive income for you. PLDT (TEL) is a consistent-paying-dividend company. In 2014, it gave away a total of P156.00 dividend per share.

The number of shares you hold per company defines the impact of your profit to your investment. Of course, even if the stock price appreciates to 100% and yet you only hold 10 shares, your profit will still be less.

These are the ways your earn money in the Philippine Stock Market. Like the basic rule in economics, always remember to BUY LOW and SELL HIGH.

Please join our facebook group Pagadian City Stocks Network

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.

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Everything is possible for him who believes. (Mark 9:23)

The “everything” mentioned here does not always come simply by asking, because God is always seeking to teach you the way of faith.

Your training for a life of faith requires many areas of learning, including the trial of faith, the discipline of faith, the patience of faith, and the courage of faith.

Often you will pass through many stages before you finally realize the result of faith – namely, THE VICTORY OF FAITH.

Genuine moral fiber is developed by enduring the disciple of faith. When you have made your request to God, and the answer still has not come, what are you to do?

Keep on believing His Word! Never be swayed from it by what you may see or feel. Then as you stand firm, your power and experience is being developed, strengthened, and deepened.

When you remain unswayed from your stance of faith, even in view of supposed contradictions to God’s Word, you grow stronger on every front.

God will often purposely delay in giving you His answer, and in fact the delay is just as much an answer to your prayer as is the fulfillment when it comes.

He worked this way in the lives of all the great Bible character. Abraham, Moses, and Elijah were not great in the beginning but made great through the discipline of their faith. Only through that discipline were they then equipped for the work to which God had called them.

Think, for example, of Joseph, whom the Lord was training for the throne of Egypt. Psalm 105:19 (KJV) says, “The word of the Lord tried him.” It was not the prison life with its hard beds or poor food that “tried him” but word of the Lord.” The words God spoke into his heart in his early years, concerning his elevated place of honor above his brothers, were the words that were always before him.

He remained alone in prison, in spite of his innocence, and watched others being released who were justly incarcerated. Yet he remembered God’s words even when every step of his career made fulfillment seem more and more impossible.

These were the times that tried hid soul, but they were also times of his spiritual growth and development.

Then when word of his release from prison finally came, he was found ready and equipped for the delicate task of dealing with his wayward brothers. And he was to do so with a love and a patience only surpassed by God Himself.

No amount of persecution will try you as such as experience like these—ones in which you are required to wait on God.

Once He has spoken His promise to work, it is truly hard to wait as you see the days go by with no fulfillment. Yet it is this discipline of faith that will bring you into knowledge of God that would otherwise be impossible. 

This video discusses some vital points of how we can use the law of attraction to attract money in our lives. Most importantly, this material delves deeper in the meaning of money and opens your eyes on some of our destructive thoughts about money.

For me this is just very eye opening hence I could not allow myself not to share this to others.

May you have your awakening too.