STOCK MARKET IS SCARY

STOCK MARKET IS SCARY

I was in college then when I heard about stock investing, other than the movies. A professor at our university is known to have been investing in stocks. He is a certified public accountant. His professional career is at its peak and his investments are doing quite well until all of a sudden he went broke. Word goes around that he lost everything in the stock market.

That professor stopped coming to school and everyone is talking about how scary the stock market is. Students and teachers alike talked about how risky it is to invest in the stock market. They are saying that you have to look at the graphs, charts and stock prices frequently because it could drop or rise in minutes.

And the movies all too vividly showed how busy investors are monitoring the ups and downs of the market. Fortunes are made and lost in a single blink of an eye if you don't watch your investment with eagle eyes. The fortunate ones lived lavish lifestyles while the losers jumped off bridges. Roughly 80% of those who put their money in stocks are losing their wealth.

I thought to myself that it’s not the life for me. The charts and graphs are too intimidating. Besides it is too stressful to watch the prices go up and down. I mean why torture my self. Another thing is you need lots of money to start talking to those well stiff looking brokers in their extravagant offices.

With those things in mind, I totally brushed aside the thought of stock investment. It is way too scary. Until one day I bought a book entitled “My Maid Invests in the Stock Market.” I just got intrigued by the title and said to my self that it was nonsense. But reading it totally blew me away.

Bo’s maid started religiously investing P2,000 every month in the stock market in February 2010. After about 5 years, her invest is already valued at P826,593. This is insane! How was she able to grow her money that much when my professor, a certified public account at that, lost everything in the stock market. She is a house help with little education to understand the complexity of price movements and little time monitor them.

As a certified accountant myself, I took it upon my self to know how these can happen. After immersing my self reading books and searching the internet I came across the book by Benjamin Graham, “The Intelligent Investor”. This opened my eyes to the reality that investing need not be that complicated as long as you have chosen the super big companies and bought the shares at the right price. It dawned on me that those losing their money are those who made the stock market a gambling den.

What I mean to say is that if you are an investor you look at the long term prospect of your money. That is you let it grow and won’t touch it in 5 years minimum. On the other hand, the traders are those who buy a stock today with the hope that its value increase in the short term horizon of say one day or a week then they sell. I now realized that my professor was a trader and not an investor. Traders can gain money fast but could also lose it faster that I can say cheese. Trading is for the pros not for simple persons who do not have the skill and time to read charts and monitor the prices on a daily basis. It is a full time job and therefore it does not create passive income.

If I am to put money in the stock market, I want my money to give me passive income, that is my money growing even if I am sleeping. I don’t want another full time job. It must be another income stream with little intervention on my part.

Bo’s maid grew her money because she received mentoring from Bo himself. Bo teaches her what stocks to buy, when to buy and when to sell them. Bo also guides her how to have a wealthy mindset that would attract money to her. I want Bo to be my financial mentor as well. But I thought that would be very expensive until I found out about the Truly Rich Club (TRC).

Without any second thoughts I joined TRC. Heck it only cost me P499 very month and I got to have Bo Sanchez as my mentor. It is even less that what I spend on cellphone load monthly. Here Bo guides me as I commence my journey to Wealth and Spirituality. It is very easy to join. Just click www.trulyrichclub.com and follow the instructions.

Enjoy financial freedom and a life of blessings.

Bank Savings just won’t cut it

Since childhood we were taught to save. Save for the future like ants saving for the rainy days. So we set a side portion of our baon and put it in the bank.

Ten years after, the savings is gone or, at best, too little to matter.

The amount saved went to the latest gadgets, spent on things we never even recall what. It is so easy to spend money because we always find a dime a dozen reason to spend. Every time the money in the bank becomes enough to buy something, then it finds a way to slip away.

Now that we have joined the working class we started earning. Yet it seemed not enough. We are left with little to nothing to save after deducting all expenses. And so we kept aiming for promotion.

At last we got double our salary after being promoted to managerial position. A manager needs a car and so we bought one. After all the expenses we are still left little to nothing to save. There too many reasons to spend the savings.

Having realized that money often finds its way out of our pocket and that our savings is not growing enough, we find less value in the habit of saving. And so we develop the mentality that whenever we have money we need to buy a TV, a car, the latest gadgets or anything concrete that we can see or touch because at least we have bought something as a “remembrance” rather than losing it to many things we cannot even remember.

Of course one of the problems is the “Parkinson’s Law” but more on that in the future. Perhaps we can look at the fact that savings just won’t cut it.

We view savings as another pocket to draw money from whenever we need or want to buy something. We save to consume and not for growing money.

Remember what we were told during childhood? Remember the ants saving for the rainy days? Yes that one.

Ants save during dry season so that when winter or rainy season comes they have something to eat.

            
But eating is consuming. If you consume something it never grows but is destroyed in the process.

            
The saving ant analogy won’t cut it. Money will never grow because at the back of our minds we have the impression that we save so that we can consume it later. Our saving ant is a good ant but he saves and consumes and saves over and over again in a vicious cycle.

            
If that savings is intended to grow then we should let it be in the bank. Right?

            
Wrong. As long savings is left in the bank that money will never grow. On the contrary it will diminish its value.

           
I am pretty sure we still remember our folks saying their P100.00 can buy more then. My lolo used to tell me he can buy soft drinks with his 50₵. That was truly amazing.

           
We realized that the bank is giving us less than 1% yearly interest. Heck even if the bank gives us 2% interest every year still the prices of things we buy are increasing at a much faster pace. This is what we call “inflation”.

            
So the growth of our money in the bank will always be overtaken by the increase in the prices of stuffs of everyday.

           
Savings will not work as a vehicle to grow our money. It just won’t cut it. What will then?

Investing.

HUGE BUSINESS/INVESTMENT OPPORTUNITY

The potential is HUGE for Microfinance Lending to be a Money Making Machine and a way to express generosity by helping the poor. Deutsche Bank in 2007correctly called it as an “Emerging Business Opportunity”.

Every nook and turn in our community I can see Sari-Sari Stores, Bananaque or Barbeque Stand owned by Nanays and Ates. These serve as either a supplemental income for the household or as main source of livelihood. This alone tells me that Pinoys are born entrepreneurs.

These Nanays and Ates belong to the lower income estrata of our society. As such they are deprived of access to financial support to help their microbusiness grow.

This circumstance forces them to go to “Loan Sharks” for financing. In turn they are charged on the so-called “5-6” system or an interest of 20% per month. At this point though, interest rate is the least of their concerns. On top of their priority is the ready source of fund at the quickest possible time. As a result, the Loan Sharks are getting wealthy.

There are only 5.1M microfinance borrowers served by Rural Banks, NGOs and Cooperatives (June 2010 http://www.microfinancecouncil.org). Which means that roughly 80% of the microfinance sector in the Philippines is unserved/underserved. And this is where the investment opportunity unfolds.

While the microfinance sector individually owns little, but considering they dominate in matter of numbers in the Philippine population, makes it a very fertile ground – a huge client base. W. Sycip, the son of Albino Z. SyCip, co-founded China Bank, called it “Financial Power of the Poor”.

Based on my research and 15 years experience in the microfinance sector, the Return on Investment ranges from 30% to 45% every year, making it one of the most profitable investment opportunity there is. In fact, I am currently operating a microfinance company which started operations 5 years ago. At present it is producing a net Return of Investment of 79.60% every year.

The uninformed however believes that the risk to the investment is high. But the collection rate of good MFIs is 98%. My experience shows that the default rate in microfinance is less compared to conventional and regular loans. This is highly attributable to stringent standards of discipline observed by Microfinance Institutions and their borrowers.

Besides there are select methods that can be used to turn an otherwise unsecured loan to a secured loan through various guarantee programs.

Microfinance Business or Investment can indeed be lucrative and at the same time provide significant impact to poverty alleviation.

Like any other investment opportunity, the real risk is in the lack of understanding.

For more information about microfinance visit http://wisemicrofinance.blogspot.com/

CREATE WEALTH

Money is only in the mind. Once the mind shifts to create wealth, money flows easily and effortlessly.

HUGE DISCOUNTS

Filipinos Purchased Over 120,000 Items from Lazada on November 11, Online Sale Continues    MANILA, PHILIPPINES – November 11 has become the largest online shopping day in the world. For Lazada Philippines (www.lazada.com.ph), the country’s leading one-stop shopping and selling destination, 11/11 marked the start of its highly anticipated Online Revolution Sale and the beginning of the Christmas shopping season.

Lazada sent online shoppers into a frenzy starting midnight of November 11 with customers purchasing 120,000 items across different product categories. Over 5,000 units of smartphones were sold on that day alone. Discounted and exclusive cellphone models from top brands such as Alcatel, Lenovo, ASUS and Cherry Mobile were the day’s bestsellers. Lazada also sold over 4,500 packs of disposable diapers, a clear indication that Filipino parents are embracing the convenience of online shopping. Hundreds of early Christmas shoppers were able to snap up this season’s hottest toy, the hoverboard or 2-wheeled scooter for as low as P7,999.  As projected, Lazada exceeded its online sales records with a 6x increase in sales over its October average - the best uptake among all the countries in Southeast Asia where Lazada operates. The site registered 2.4 million visits and orders came from all over the country. 70% of total orders came from areas outside of the National Capital Region.

This year’s Online Revolution Sale broke new ground for Lazada as 60% of its orders came from shoppers using mobile devices. The Lazada mobile app was downloaded over 3x more on November 11 compared its average downloads during October. The app was ranked as the overall #1 app on the Apple App Store, ahead of Facebook, Instagram and YouTube.  It continues to be the number one shopping app on both App Store and Google Play Store. The big sale on Lazada continues and will culminate in a Grand Christmas Sale on Dec. 10 – 12. On top of deals and discounts, Lazada is also raffling off Cebu Pacific airline tickets to international destinations weekly and a brand new Hyundai Eon in the grand draw.

EARLY CHRISTIAN LITERATURE ON THE LAW OF ATTRACTION

SAMSUNG GEAR 2

http://www.lazada.com.ph/samsung-smr7200-gear-s2-smartwatch-grey-with-free-level-u-bluetooth-headset-2394965.html?offer_id=285&affiliate_id=27010&offer_name=PH+Deeplink+Generator_66087&affiliate_name=PH-Leonardo+del+Carmen&transaction_id=102e3cefdec597a4b3c738658275af&offer_ref=xxpo0000sa0at0000

http://ho.lazada.com.ph/SHE9nx

Best Gift This Christmas

Click to Buy Best Gift for Christmas

Stainless Steel Cookware

Bo Sanchez 2015 Inspirational Talk

TRADING STRATEGIES

http://astore.amazon.com/semi1-20

SECRETS OF SELF MADE MILLIONAIRES

SUCCESS: TALENT OR GRIT?

INVEST IN DOLLARS? STOCKS? GOLD?

Your choice. Invest smart.

REAL ESTATE INVESTMENT OPPORTUNITY

HOW THE SYSTEM WORKS... MANIFEST MONEY WITH YOUR MIND

I am excited to share this journey with you all. All the CDs are almost completely download. Put your email on the comment and I will share some of them with you.

Here is a review of one of Igor's students.

WHY PRICES OF GOLD AND SILVER COLLAPSED?

This is an interesting video. Watch and judge for your self.

The price of gold now is at its 2010 price level. If you are convinced that gold is the best investment then it is your opportunity now to buy. 

BECOME RICH USING THE POWER OF YOUR MIND

This is an amazing training...

Why This Could Be The First Wealth Program That Works For You 

Igor Alexander’s The Money In Your Mind is much more than a typical “abundance consciousness” course. It’s a complete learning and action system that puts you “in synch” with true wealth:

• New ways to deal with moneygive you greater access to wealth immediately – even if your income doesn’t change by a penny!
• Money Expanding Mind Exercises (MEMEs) subconsciously reprogram your mind so you think like a rich person.
• Myth-busting breakthrough information exposes dangerous lies – not only from the mass media, but also from other (misinformed) wealth gurus!

All you have to do is watch one DVD (about 60-80 minutes) a day for 15 days. You will have brand-new financial optimism in two weeks or less.

You may see results very quickly. Your confidence will improve and you will realize wealth is truly possible for you.  This course is different because it’s based on real-world solutions and delivered by one of the world’s best and most knowledgeable teachers on the subject.

Igor has a long, strong track record of helping clients and students get results. That’s why The Money In Your Mind Will work for you.

LAW OF ATTRACTION - Wealth, Health, Relationships

Amazing Video. This video draws greatly from "The Science Of Getting Rich".

There is a thinking stuff from which all things are made, and which, in its original state, permeates,
penetrates, and fills the interspaces of the universe.

A thought in this substance produces the thing that is imaged by the thought.

A person can form things in his thought, and, by impressing his thought upon formless substance, can
cause the thing he thinks about to be created.

In order to do this, a person must pass from the competitive to the creative mind. He must form a clear mental picture of the things he wants, and must do — with faith and purpose — all that can be done each day, doing each separate thing in an efficient manner.

The Science of Getting Rich

Awesome book! This is a must read for thus who wanted to be wealthy in every aspect of ones life.

The following quote from the book gives a glimpse of the truisms contained in the book:

"A person cannot live fully in body without good food, comfortable clothing, and warm shelter,

and without freedom from excessive toil. Rest and recreation are also necessary to his physical life.

One cannot live fully in mind without books and time to study them, without opportunity for

travel and observation, or without intellectual companionship.

To live fully in mind a person must have intellectual recreations, and must surround himself with

all the objects of art and beauty he is capable of using and appreciating.

To live fully in soul, a person must have love, and love is denied fullest expression by poverty.

A person’s highest happiness is found in the bestowal of benefits on those he loves; love finds its

most natural and spontaneous expression in giving. The individual who has nothing to give cannot fill

his place as a spouse or parent, as a citizen, or as a human being. It is in the use of material things that a

person finds full life for his body, develops his mind, and unfolds his soul. It is therefore of supreme

importance to each individual to be rich."

The author believes that wealth is better achieved by "creation" not "competition". That one must become rich by giving more "use value" than the "money value" received.

The Preface of the book will surely make read more:

"THIS BOOK IS PRAGMATICAL, NOT PHILOSOPHICAL — a practical manual, not a treatise upon theories.
It is intended for the men and women whose most pressing need is for money, who wish to get rich first,
and philosophize afterward. It is for those who want results and who are willing to take the conclusions
of science as a basis for action, without going into all the processes by which those conclusions were
reached.
It is expected that the reader will take the fundamental statements upon faith, just as he would take
statements concerning a law of electrical action if they were promulgated by a Marconi or an Edison,
and, taking the statements upon faith, that he will prove their truth by acting upon them without fear
or hesitation. Every man or woman who does this will certainly get rich, for the science herein applied
is an exact science and failure is impossible."

Get your copy NOW!

Happy Reading!