Wednesday, December 9, 2015

Gloriedyl Pornasdoro

Robert Kiyosaki interviewed by Karen Davila

Robert T. Kiyosaki (born April 8, 1974) an American businessman, investor, self-help author, motivational speaker, financial literacy activist, financial mentor, and radio personality. Kiyosaki is best know as the author of Rich Dad Poor Dad. This is the #1 personal finance book of all time, which has challenged and changed the way tensof millions of people around the world think about money.

According to Robert Kiyosaki in his interview with Karen Davila
"Your house is not an asset your house is a liability" Do you agree?

Let's watch how this interview with Robert would impact us and our financial literacy.



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Sunday, August 16, 2015

Gloriedyl Pornasdoro

How to Buy your First Stock using COL Financial?




For those who have a COL financial account here's the step by step on how to buy your first stock.
 Step 1: Log in page of COL Financial.



Step 2:Then pag ka log-in niyo makikita niyo agad yung equity value: 5,000 which means  yan yung pera niyo na meron sa COL account. 




Step 3: If ever you want to change your profile just click HOME > CHANGE PROFILE > EDIT then you decide what do you want to change. 

(Here’s a sample if you like to change your password. just type your current password sa first box. Then the 2nd and 3rd box is for new password)


Step 4: After that, you're ready to buy your first stock.  First niyo tingnan is yung MARKET kung OPEN or CLOSE. Schedule of trading hours ni COL is Monday to Friday 9:00 am 12:00 NN and 1:30 pm – 3:30 pm. Click the TRADE > ENTER ORDER.  Make sure to choose BUY, MAIN and DAY. Then type the company na gusto niyo bilhin. Bawat kompanya is mayroon Stock Code so you need to know what’s the stock code ng company na gusto mo bilihin. I suggest you join Truly Rich Club  for those na magstart palang maginvest sa stock market , para maguide kayo kung anong company ba ang  magandang bilhin.
 (NOTE: If you want to know the stock code of your chosen company just click the “Stock Code”)

(Para sa mga nagtataka kung ano meaning nun ODDLOT, GTC and ATC I suggest kahit wag niyo na muna alamin for starter , don’t worry ok lang kahit hindi niyo pa alam yan as of now kahit yung basic na lang muna.)


Step 5: Here’s the sample image, wag ma-overwhelm sa mga numbers na nakikita niyo. I highlighted the important details na kailangan niyo lang malaman.  For sample I like to buy JFC (Jollibee Foods Corporation) Makikita niyo yung  “# of Shares”  ito is nakadepende  sa “BoardLot” Ang board lot ni JFC is 10, meaning 10 share ni  JFC ang minimum na kailangan  niyo para magkaron ng share kay Jollibee. Maybe your questions is "What if I want to buy more than 10 shares of JFC" , pwede naman pero hindi pwede na  11,15,19 dapat is  10, 20 , 30... it should be divisible by 10. if you're done with "#of Shares" and "board lot" Then lets talk about ask price. Ask price naman is yung mga nagbebenta ng stock ni JFC, tingnan niyo lang lagi is yung pinakamababa magoffer. As you can see ang pinakamababa na price ni jfc is 189.60. 

Important details in buying your stock, "# of shares" is depende sa board lot. In buying lagi niyo tingnan is yung ask column yung pinakamababa ang kunin niyo.Yung price niya is dapat pasok sa cash balance niyo. Pag ok na lahat click the preview order. After nun mag ask lang siya ng password niyo. Then that's it, pag gusto niyo makita yun mga stocks go to TRADE>PORTFOLIO.

(NOTE:The bid column naman is for those who want to SELL their stock,pag naman magbebenta ka tingnan mo yung bid.So kung sa pagbili is tingnan mo pinakamura.Sa pagbebenta naman tingnan mo is yung pinakamahal na offer.as you can see sa image ang bid na pinakamataas is 189.50 so yun ang itype niyo sa price pag magbebenta kayo.)

(Important: BUY look at the ASK for SELL look at the BID)


If your new in Stock Market and If you need help, I suggest that you join Bo Sanchez’ TrulyRichClub because they’re incredible in teaching and guiding people how to invest for the future. For more details, go to: Truly Rich Club

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Friday, July 10, 2015

Gloriedyl Pornasdoro

Difference between Mutual Fund and Stock Market


What's the difference of Mutual Fund and  Stock Market?
There's a very simple explanation kung ano pagkakaiba ng Mutual Fund at Stock Market Watch the video presentation below credits to www.pesosandsense.com


Stock Market 
When you invest in the stock market para kang nagmamaneho ng sarili mong sasakyan.Ikaw bahala kung saan ka pupunta pwede ka dumaan kahit saan mo gusto. Pwede ka mag shortcut, longcut or stop over ikaw na bahala doon, diskaarte mo yun kung saan ka papunta.Just like sa pag iinvest ikaw bahala kung ano at kailan ka bibili or magbebenta ng isang company diskarte  mo na yun kung saan mo iinvest pera mo.
(Related Post: What is Stock Market?)

Mutual Fund
Mutual Fund para kang sumakay sa jeep,unang una meron sila route na kailangan sundin. This means they can't invest everywhere. They can only invest  in certain things depending on how the fund was set-up. The rules are set-up when the fund was first created and the fund managaer has to abide by them. and like sa jeep hindi sila pwede dumaan kung saan-saan at meron itong bayad.  Kung sa jeep binabayaran mo is yung driver para dalhin ka sa pupunthan mo, ganito din sa mutual fund need mo din bayaran ang fund manager.

NOTE: If your new in Stock Market and If you need help, I suggest that you join Bo Sanchez’ TrulyRichClub because they’re incredible in teaching and guiding people how to invest for the future. For more details, CLICK HERE



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Gloriedyl Pornasdoro

What is Stock Market?

There's a lot of questions about Stock Market, Ano ba talaga ito? Para mas mapadali ang explanation about Stock Market. Let's put it in this way, ang Stock Market ay isang paraan para maging business partner kayo ng malalaking company sa bansa natin.Yes its possible na maging business partner niyo sa Henry Sy ng SM  pero paano?

Ganito yan dahil ang isang company para makapagpalago siya ng business niya need niyan ng capital. Para mapalago pa ang business niya or maghire ng mas madami empleyado etc. Para makakuha ang company ng capital nagbebenta ito ng share niya. So for instance, si SM gusto niya magpatayo ng SM sa ibang lugar ang gagawin niya is magbebenta ito ng stocks/shares ng negosyo niya, at kapag bumili ka ng stocks/share ng SM isa ka na sa tinatawag na Share Holder nito, automatic may small part kana sa comapany niya at isa ka na sa libo libong nag mamay ari nito. 

In short kung Share Holder ka na ng SM, kapag kumita si SM kikita kadin at kapag naman bumagsak or nalugi ito, lugi ka din. Kung mag-iinvest ka sa isang company dapat naniniwala ka or alam mo na yung company paglalagayan ng pera mo is kahit ilan taon pa lumipas is nandiyan padin. Kung naniniwala ka na ang SM or Jollibee  at iba pang malalaking company is nandiyan pa in more than a year from now then go for it . Dahil nakasalalay ang pag yaman mo kung saang company ka nag invest (NOTE: Its just a sample company im not saying you should invest in that company though they're blue chips)

Pero still madami padin nagsasabi na "Pangit diyan!Sugal yan eh","Naku mauubos lang pera mo diyan" at iba pa. Yes! that's true dahil 85% of stock players lose their money in the stock market. Paano nangyari na nawawala pera nila? kasi "Trading at the Stock Market" ang gawa nila not "Investing in the Stock Market". So what's the difference? Trading at the stock market is kapag bumili ka ng stocks/shares ng isang company then within a day or few days lang ibebenta mo din agad. Investing in the Stock Market naman is bibili ka ng stocks/shares and sell them in few months or pwede din in a year or more than a year from the time na bumili ka.

NOTE: If your new in Stock Market and If you need help, I suggest that you join Bo Sanchez’ TrulyRichClub because they’re incredible in teaching and guiding people how to invest for the future. For more details, go to http://bosanchezmembers.com/amember/go.php?r=60875





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Monday, March 9, 2015

Gloriedyl Pornasdoro

How To Start Investing in the Stock Market

Step 1. Open a COL Financial  Account 
Fill out the application form, you have 2 options:
Option 1: Online
https://www.colfinancial.com/ape/Final2/home/RegistrationIndividual.asp

Option 2: Download all forms 

https://www.colfinancial.com/ape/Final2/home/pdfs/Individual%20Forms%20complete.pdf

Step 2: Complete this Additional Requirments:
FILIPINO CITIZENS:
-Photocopy of one (1) valid government issued ID
 Photo and signature must be clear
-Billing Statement - Recent, no later than 3 months past


RESIDENT FOREIGN CITIZENS:

-Photocopy of one (1) valid government issued ID
 Photo and signature must be clear
-Alien Certificate of Registration (ACR)
 or Work Permit from DOLE
-Billing Statement - Recent, no later than 3 months past

NON-RESIDENT FOREIGN CITIZENS:

-Authentication of a photocopy of one (1) valid passport
 Photo and signature must be clear
-Proof of Income
-Billing Statement - Recent, no later than 3 months past

IN-TRUST-FOR (ITF) ACCOUNTS:

-Photocopy of one (1) valid government issued ID of the parent
Photo and signature must be clear
-Birth Certificate of the minor applicant
-Duly-signed ITF Supplementary Agreement
  Download here
-Billing Statement - Recent, no later than 3 months past

Step 3: Submit Requirements and application form at Col Business Center 

2403-B East Tower, PSE Centre
Exchange Road, Ortigas Center, 
Pasig City, Philippines 1605

You can submit it thru LBC or other couriers

(NOTE: Please note that COL Financial shall NOT accept documents/packages sent by the company EMS)

Step 4: Fund your account

After you send the application form and requirements at COL Financial, They will send your Account number (via email) That's the time you fund your account, all checks must be payable to COL  FINANCIAL GROUP INC, Please include your Name and COL account Number. Deposit your initial fund of P5000.00 to any BPI,  BDO Metrobank, Asi United Bank near you.

Step 5: Check your email if COL Financial sent your username and password (Check also the spam folder)


Step 6: Login your COL Account 
www.colfinancial.com

Step7: Buy your first Stock! Happy investing!


NOTE: If your new in Stock Market and If you need help, I suggest that you join Bo Sanchez’ TrulyRichClub because they’re incredible in teaching and guiding people how to invest for the future. For more details, Join Now! http://bosanchezmembers.com/amember/go.php?r=60875


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Friday, March 6, 2015

Gloriedyl Pornasdoro

17 Ways Rich and Poor People Think Differently

One from many books that  I must recommend is Secrets of the Millionaire Mind by  T. Harv Eker. This book can change your mindset about money. It shows how rich and poor people think in  a very different way. What I like about this book is that, how can ordinary people can relate and can easily take actions towards their financial goal.

T. Harv Eker, creates a 17 Wealth File in which rich and poor people think differently from each other.

Wealth File 1
Rick people believe "I create my life". 
Poor people believe "Life happens to me."

Wealth File #2
Rich people play the money game to win.
Poor people play the money game to not lose.

Wealth File #3
Rich people are committed to being rich.
Poor people want to be rich.

Wealth File #4
Rich people think big. 
Poor people think small.

Wealth File #5
Rich people focus on opportunities.
Poor people focus on obstacles.

Wealth File #6
Rich people admire other rich and successful people.
Poor people resent rich and successful people.

Wealth File #7
Rich people associate with positive, successful people. 
Poor people associate with negative or unsuccessful people.

Wealth File #8
Rich people are willing to promote themselves and their value.
Poor people think negatively about selling and promotion.

Wealth File #9
Rich people are bigger than their problems. 
Poor people are smaller than their problems.

Wealth File #10
Rich people are excellent receivers. 
Poor people are poor receivers.

Wealth File #11
Rich people choose to get paid based on results.
Poor people choose to get paid based on time.

Wealth File #12
Rich people think “both.”
Poor people think “either/or.”

Wealth File #13
Rich people focus on their net worth.
Poor people focus on their working income.

Wealth File #14
Rich people manage their money well.
Poor people mismanage their money well.

Wealth File #15
Rich people have their money work hard for them.
Poor people work hard for their money.

Wealth File #16
Rich people act in spite of fear.
Poor people let fear stop them.

Wealth File #17
Rich people constantly learn and grow.
Poor people think they already know.

What did I missed?

Just comment and tell me about a book that change your money mindset.
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Wednesday, March 4, 2015

Gloriedyl Pornasdoro

Easy Steps in Saving Money

Most of us find it hard to save money because we don’t know where to start. So let me give you a simple and easy ways to save money, so that you can start your financial goal.

1. Make a record of your expenses
In saving money the very first and most important step that we need to do is to make record of our expenses every month. If I say record all your expense that means every food, coffee even load you purchase that month. (I suggest do it now!) When you finish listing your expenses look at your list and separate it into two categories one is for needs and other is wants, for instance for Needs (food, rent for house) for wants (loads, new dress, expensive coffee)

(Tip: You can right down your expenses everyday so you wont forget every single centavo you spent)

2. Eliminate unnecessary expenses
Now that you have a clear idea of where do you spend your money in a month, eliminate Or limit your unnecessary expenses that belong to "wants" category. Ask yourself, do You really need to buy an expensive coffee everyday yet there's a 3 in 1 coffee that 99% much cheaper than expensive coffee.

3. Saving is a must
Saving 20% of your income every month is suggested, but if you can’t do it, then just start with 10-15%; it's better than doing nothing. Once you get your salary make it a habit that save first before spending.
What we always do is: SALARY - SPEND= SAVE THE LEFT OVER 
But it should be like this: SALARY- SAVE= SPEND THE LEFT OVER

4. Pay your debt
Even if you know where do you spend your money and have the knowledge on how to save. But you still have a debt, you still have a problem. Once you eliminate your debt, saving money is a piece of cake.
  
5. It’s time for Emergency fund
We always hear that emergency fund should be 6-8 months worth of your monthly salary. We don’t know what will happen in the future that’s why we should a emergency fund.When we complete this fund we have a freedom to invest.

6. Invest while you can
while you're young and can afford to invest then do it! It’s not for anyone but its for you. Make money work for you, instead of working for money.  Invest in the stock market or mutual funds or why not both. 

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Tuesday, March 3, 2015

Gloriedyl Pornasdoro

2 Ways to Earn in the Stock Market

All us wants to be successful in life but then we don’t know what to do first, how and when can we start doing it. I know investing in the stock market is one way to achieve our financial goal, if you want to start Investing in the Stock Market but don’t know where to start, don’t worry Bro. Bo Sanchez made it easy for all of us.

There’s 2 ways to earn in Stock Market
1.Capital Appreciation it means your stocks increase its price after certain period of time. For instance, when I bought MBT (Metropolitan Bank) for Php10.00 per share and I bought 100 share of MBT total is 10x100= Php 1,000 in 2010. Then after 2 years (2012) the price of MBT is 20 per share double the price from the time I bought it. It’s very clear that you earn 1000 from MBT.

2.Dividends the other way to earn from the stock market. Dividends are profits that given by the company to its shareholders. Some of the companies give dividends every quarter or yearly.  It depends on the performance of the company. 

NOTE: Different of trading from investing 
Traders- buy today sell it tomorrow or selling it next week (many people lose their money in the Stock Market because of this you really need to study and expert first if you want to be a trader)
Investors- buy today and we will wait for the TP (Target Price) then that’s the  time we sell. Truly Rich Club will tell you when to buy and sell.

Take your first step towards your financial goal, go and Invest Now! 

For more information join Truly Rich Club 


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