Tools To Make Your Money Grow

We all wanted our money to grow. To buy that beautiful dress you see in the shopping mall or just to have an extra money for the family. Today, let us learn Tools To Make Your Money Grow.

Tools To Make Your Money Grow
Tools To Make Your Money Grow

You have read a lot. You have watched a lot. And you have talked a lot about how to make your money grow and yet nothing is happening.

Having your regular job is already okay, until you have a son/daughter or children. The feeling of being contented has changed. Especially when your child ask for something.  You wanted to give it to your child because you love him/her. But, you are always out of money.

Today, in my own little way, allow me to share with you the tools to make your money grow:

  1. Build a better Portfolio – One of the best tools available for you in investing. As an example, I buy one stock allotted for my son’s tuition fee every year. The profit is a sure way of growing your money.Another investment you might want to add to build a better portfolio is Mutual Funds. They are slow yet sure way of growing your money. Mutual Funds are available now at COL Financial.
  2. Get better Advice – Nowadays, advice about finances is very easy. I always read the articles of my mentor Fitz because his advice are very easy to do. You can join financial literacy facebook pages like OFW Usapang Piso and many more.When you get better advice, you will learn that budgeting and spending are two easy things to do. And growing your money by saving is also easy to do.
  3. Start a Business – This is by far the best yet difficult to start with. Recently, online business becomes a talk of the town. How about starting an online business? There are many ways in starting an online business. One of them is selling digital products.Another option is franchising a business. Aside from they already have a big percentage of success they also are easy to manage.

In conclusion, these are just 3 of the many Tools To Make Your Money Grow.

Self study and search for more opportunities that fits to yourself.

How To Speed Up Your Stock Investment

How time flies. Have you noticed we are halfway of 2017 already? How about your stock investment? Are they doing well? Anyway, today let us learn a few perks on How to Speed Up your Stock Investment.

How To Speed Up Your Stock Investment
How To Speed Up Your Stock Investment

Most of us Investors are almost running out of time. For the past five years I’ve been experiencing ups and downs on my stocks investments. Allow me to share with you the most if not the best solution on How to speed up your stock investment.

I made that clear, avoid ‘bad’ debt because there are also good debt. What are bad debt then? Our Previous article talks about debt or loan, you can re-read that later. Anyway, bad debts are debts that doesn’t return money to your wallet, period.

After acquiring the money from bad debt, it goes directly to luxurious shopping, excessive dining and unlimited entertainment. We don’t want this to happen.

If you want to speed up your stock investment then avoid bad debt and continue adding a small regular amount to your investment regularly.

Separate Savings from Investment
Many people make the common mistake of thinking that their investment is their savings. No! When you set aside money for investment, do not touch it for urgent needs.

Meaning, allocate two groups of money for savings and investment.

Another important matter to consider is emergency fund. This must be different from the two.

Again, to speed up your stock investment, separate the money for savings and investment.

Increase your Cash Flow
Finally, what does this mean? It means, don’t depend on your salary only. Do some extra things to earn some extra cash. There are many opportunities out there. In my case, I am blogging as my second source of income.

You can do tutorial, free lancing or extra labor to mention some.

In other words, your stock investment will speed up if you have more than one source of income.

In conclusion, your investment is already your second source of income as mentioned by Warren Buffet ‘Don’t depend on a single income, make investment as a second source’.

But, if you want to speed up your stock investment, please be reminded of these very important topic today.

Thank you very much.

7 Questions You need to Answer before applying a Bank Loan

Being tight financially is very common to all of us, but don’t you know that it is okay to apply for a bank loan? Just make sure you pass the test by answering these 7 Questions You need to Answer before applying a Bank Loan.

7 Questions You need to Answer before applying a Bank Loan
7 Questions You need to Answer before applying a Bank Loan


Okay, so you wanted to apply for a Bank Loan. By the way, there are many kinds of loans but that is not our topic for today. Let’s focus on Bank Loans.

The questions are not that hard as you may think but they must be answered and deal with accordingly. Sabi nga eh, nasa huli ang pagsisisi…

Anyway, here we go:

  1. How much money do you exactly need?
    Before going to the bank, I strongly suggest you already know how much money do you exactly need. Because bank loan officers will offer you the maximum amount loan-able based on your basic salary computations. And chances are, the extra money will just go to ‘unplanned shopping’.Therefore, if you can write the amount on a piece of paper the better. And when you talk to the bank loans officer just hand him over the piece of paper and tell him, this is the exact money I wanted to loan.
  2. Do you know the correct interest of your bank loan?
    The most common information everybody ignore or take for granted is the interest rate of your loan. The moment you know you are qualified to apply for a bank loan. Make it a habit to ask for the interest because when your salary is on the same bank you are applying the loan, the interest is lower. Which also means when you are applying a bank loan to another bank, the interest rates are higher. Check out BPI’s Personal Loan details here.So, don’t ignore this important detail. Before signing the loan agreement, be aware of everything especially the interest rates.
  3. What is the purpose when you have the money already?
    Assuming everything went okay from processing till releasing of your loan. The next question you need to answer is What is the purpose of this money? I heard stories of how people ‘misuse’ money from loans by going straight to the mall. Buying stuffs not planned in the beginning because, there is money available in the pocket. Please don’t fall on this kind of mistake my friend.Again, it is very advisable to list down where your money will be spent once you have it in your hands. Of course, you can have a nice lunch with your family as a reward for your efforts.
  4. Can you afford the monthly payment later on?
    Uhm, this is crucial because you need to include the monthly payment in your monthly expenses. Don’t ever think that you will still spend the same amount from your salary before your loan. When the bank loan officer processes your papers, take note of this and write this to remind yourself monthly.Okay? your monthly payment is already a part of your monthly expenses. To help you in your monthly expenses you might want to consider investing in the stock market, read this article.
  5. How many years you wanted to pay for this bank loan?
    Normally, the bank loan officer would compute it for you. But, I want you to personally know how many years you wanted to pay for it. There must be a plan so that you will not be buried ‘literally’ in debt for so many years.Of course, you decide it together as a husband and wife or as partners. After all, you will be both affected by your monthly budget later on.
  6. What is your plan when you finished paying the bank loan?
    Looking forward, when things do as per plan and you are able to fully pay your loan, what is next? I mean, if your financial situation is still the same you will apply for a loan again? Some people don’t even reached the end of the loan and make a ‘top-up’ loan already which I strongly disagree.So, a plan in the beginning and a plan at the end is necessary.
  7. Are you sure you need to apply for a bank loan?
    Haha, finally after a lot of question and answer portion. This is the final question you need to answer… Are you sure you need to apply for a bank loan?Meaning, convince yourself. Talk to yourself and finally after going through all these process. Answer this question and if you really need it, then go for it.

    Good luck and I hope you had an idea how it is important to answer these questions before applying for a bank loan.

    As always, keep on learning earning soon!

How To Overcome Your Fear in Investing

Basic knowledge with gathered facts and figures will help you How to overcome your fear in Investing. 

Basically investing is for everyone but only few have the courage to start, study and profit. The difference? Fear!

How To Overcome Your Fear in Investing
How To Overcome Your Fear in Investing

So, how do you really overcome your fear in investing? Here’s some quick thoughts from me:



I know this seems to be very difficult to digest. But, what if I tell you that a housemaid just became a Millionaire since July 2016? Yes, she is the housemaid of Bro. Bo Sanchez and she is now a Millionaire by investing in the stock market.

Does 1 Million makes you poorer? I don’t think so…

The confidence that she has right now. The experience that she encounter and the discipline she develop during investing must have make her a little more richer.

You must read and re-read the book “My Maid Invest in the Stock Market” to fully appreciate what I am talking about.



I always say at the end of my facebook posts, keep on learning and earning soon! Simply because, knowing the basic will make your life easier.

But, let us be honest here. Investing is not easy because not all are doing it. Maybe some people knows but they are afraid, they have no capital, they have no idea or they have a bad experience heard from a friend or co-league.

So, how would you know the basics then? There are just so many ways and to mention some:

  • attend a webinar about investing
  • watch youtube videos about investing
  • ask and be informed about investing


A few might disagree with me on this. But, I will stand to what I say that investing is fun and rewarding. Fun in the sense that it involves a lot of your energy and emotions. Especially for newbie investors. And most especially if you see how your money is gaining or losing at times.

Rewarding in the event of gaining of course. And I believe it will boost your self confidence, knowing you are invested and some of your friends are not.

To be honest, there are still many things I can say about investing and How To Overcome Your Fear in Investing. But, in the end it is you and you alone can find and bring peace in your investing experience.

If you have any doubts, please feel free to message me and I will attend as soon as possible.

Thank you.

OFW Stock Market Investment Tips and Tricks

As an OFW I can very much relate on this topic OFW Stock Market Investment Tips and Tricks!

OFW Stock Market Investment Tips and Tricks
OFW Stock Market Investment Tips and Tricks

Hi fellow OFWs, I am investing in the stock market since 2012. Through this blog post I am hoping that it will inspire people like you to start your own journey towards investing in the Philippine Stock Market.

Even before I fly from our country and work abroad (Kingdom of Bahrain). I already knew about stock market investment because of Bro. Bo Sanchez. In 2012 I enroll in The Truly Rich Club and start investing since then.

But this post is not about me, it’s about you! I want to share with you how an OFW can easily invest in the stock market using very simple Tips and Tricks.

We all know that OFWs like us decided to work abroad for a better paying job. With the most common dreams of providing a better for future for our families left behind.

To start with, here are the OFW Stock Market Investment Tips:


This tip is very easy because you don’t need to spend anything to get started. Why are we going to do this? Because this is very effective! I know you might get frustrated in the beginning but I’m telling you, it pays in the end.

When doing this tip include everything, even the small amount you spend for your personal needs like shampoo, lotion, roll-on, anything, all of them. By doing this for the first time, you will discover that you are already spending more than your income. Don’t be afraid. Do it again next month. List down everything.

The purpose is to discover what expenses you can cut and use the same ‘small’ amount of money to invest.

For example, nothing really is left then maybe you have a loan or debt that will finish in the next 5-6 months. Then wait until you fully pay your loan or debt and use the money to invest.


The fact about OFW is that, we work through an ‘Employment Contract’. In the Middle East it last for at least 2 years.

Act Fast and Act Now means, the moment you start receiving your money on your first contract, save right away and invest right away! You don’t know if you will be renewed or not on the same job.

Don’t wait long before saving and investing, otherwise you will end up taking the latest gadget or buying signature clothes like most other OFWs.

Be focus and share only your investing plans to friends who understand and support you.


OFW Stock Market Investment Tricks:


This trick is very important. Discuss with your wife/husband/children and let them understand that you are saving and investing for your future.

If you think you cannot explain well to them, ask a financial adviser to explain to them. You can ask me too, just let me know through email using our contact form.

Your families support and understand will make your investment easy, faster and successful.


There are a lot of facebook fan pages about stock investing. Join them and make them as your personal support to encourage yourself.

Read and be inspired on true to life stories of your fellow investors. Attach yourself to these fb fan pages rather than using your spare time watching ‘Telenovelas’.

Most of of all, perform well in your job and when your salary comes, always set aside a small amount of money for savings and investing right away.

That’s it!

It’s been a long talk already. For more details on how to invest, visit our Home Page.

Note: If you are already investing, congratulations! Kindly share this to our ‘Kabayans’ who are asking, planning and interested in investing the stock market. Thank you.



Solutions to your deepest Investing Problems

Stock investing is the best investment vehicle of accumulating more wealth. For new and experienced investors here are the Solutions to your deepest Investing problems. 

Solutions to your deepest Investing Problems
Solutions to your deepest Investing Problems

Please note that I am talking to readers who are already invested. If you can understand the terms below, go ahead. If you are a beginner in the stock market, read this article first “Stock Market Investment made easy”. I hope that after reading this post, you will apply the solutions in your investing.

Here we go, the solutions to your deepest investing problems:

Problem 1: I’m not getting the GAINS I’m expecting.

Solution: Constantly adjust your stock’s average price to be below or near the buy below price. In that case, you are sure of getting bigger gains in the future.

For Buy Below prices, refer on this list “Stock Pick”

How will you constantly adjust your stock’s average price? You need to always add funds on your buying power to buy more shares when the opportunity comes. Meaning, deposit a small amount of money regularly. Probably after pay day.

Problem 2: I keep on thinking of my portfolio even if I’m at work.

Solution: Divert your thoughts. Think of investing but don’t focus on your portfolio. Think and rethink why did you want to invest in the first place. Gather your thoughts and make plans on how you achieve the reason why you invest. Remember that you need to focus on your work because without it you don’t have money to save and invest.

Finally, calm yourself by just sharing your investing thoughts and ideas to family and friends. Or by making comments on financial literacy facebook pages.

Problem 3: I’ve seen a lot of stock recommendations and tempted to follow them.

Solution: You are not alone. Me also, when I see how they comment on facebook pages it seems like they know everything. Here’s the best thing to do, shrugged of the idea, smile and tell to yourself “I know what I’m doing”!

Always focus only on where you get your recommendations. If you want to be guided on your investing decisions, you might want to consider becoming a Truly Rich Club member. I am a member and it’s nice.

Problem 4: I get frustrated seeing my portfolio turning Green to Red then back and forth.

Solution: Let me divide the solution into 2 parts. First part is if you have Buying Power. If you have buying power, looking at your portfolio becoming red is a good opportunity. Because our basic rule is always the same, Buy Low and Sell High. The second part is if you don’t have buying power. If you don’t have buying power, look at your portfolio once a day. When the market is already close at 3:30 in the afternoon, this is best time to check your portfolio.

Remind yourself that these everyday noise of Green and Red and back and forth are important but not necessarily should affect you as an investor. Focus on the future, be long-term minded investor.

Problem 5: I always don’t have enough money or buying power in my portfolio

Solution: 3 days before your salary will come. List down your expenses and always include savings and investment in your list! And when the money comes, deposit it right away. Make it a habit. Slowly but surely.


In other words, I am just encouraging you that these problems are normal and can be tamed by your constant learning. Investing should give you peace of mind and not worries.

After all, we all want and hold on that beautiful promise that one day, yes one day. You and me will be Multi-Millionaires!

As always, keep on learning and earning soon!

Tutorial: How To Average Down

So, you bought your first stock and see a Red portfolio. Don’t panic, it’s normal for most first time investors. Allow me to share a very interesting strategy called How To Average Down.

First, let us define few terms:

Portfolio % = If you own 1 stock it appears 100% ownership on your portfolio. If you own 2 or more stocks, the portfolio % ownership will be equally divided depending on the amount of capital for each stock.

Market Price = The actual stock prices of the stocks you own.

Average Price = This is computed in relation to the stock prices and amount of money for each stock. This is the most important part of this article. And this is where we will focus today.

Total Shares = Your ownership of the company. You have to believe that you are a part-owner of the company once you own a share of their stock, even if you only have the minimum share.

Uncommitted shares = On the event that you sell your share and nobody accept your offer, the shares become uncommitted for the meantime.

Market Value = The total money on each stock plus your gain or minus your loss is your market value.

Gain/Loss = The money you gain or loss as per your capital on each stock.

%Gain/Loss = The percentage equivalent in relation to your capital on each stock.

How To Average Down
How To Average Down

Now that we know the basic terms, let’s go direct to our topic How To Average Down.

Buy the same stock with at least the same shares and at least the same price.

Okay, here’s a clearer view:

Buy No. 1 = 2000 shares at 8.00 pesos per share, average price 8.02
Buy No. 2 = 1000 shares at 7.50 pesos per share, average price 7.85
Buy No. 3 = 500 shares at 7.04 pesos per share, average price 7.74
Buy No. 4 = 500 shares at 7.10 pesos per share, average price 7.67

***The example above is from my personal and actual transaction for CHP.

Important Notes about this Average Down strategy:

  • You need to set aside a small amount of capital to average down.
  • You need to be vigilant of the stocks price after your first purchase.
  • There is no exact time gap on when to execute your next purchase. When the price goes down, buy!
  • The lower your average price, the higher your GAIN!
  • Don’t listen too much on facebook comments instead focus on your own portfolio.
  • This strategy needs time and experience to execute.

P.S. The Average Down strategy is very effective for long-term investment only.

Tutorial: Choosing a Stock Entry Point

In stock investing this is one of the basic skills that you need to master, choosing a stock entry point!

choosing a stock entry point
choosing a stock entry point

You can learn this skill from many stock gurus but learning it on yourself is your best option. Choosing a stock entry point is not difficult as you might think.

For this tutorial let us take a look at CEBU PACIFIC, CEB stock. It is very important to choose the stock or stocks you want to buy before taking action.

For beginners, focus only on 1 stock. Don’t get distracted with other stocks and how they are performing.

So, here we go:

Tutorial: Choosing a Stock Entry Point

  • Check the stock’s 52-week Low and High prices. For our example, here’ s the details we need for our entry point:

As of May 8, 2017 03:20 PM

Last Trade Price:
Previous Close:

May 05, 2017
down 0.30
P/E Ratio:
down 0.28%
52 week High:
Avg. Price:
52 week Low:

These details are available at

Take note directly on the 52week High: 125.50 and 52week Low:85.50.

Base on these Ceiling and Bottom prices we will choose on our next entry point. And most especially we want to buy when its price comes nearest to the 52week Low if possible.


  • Set a Buy Below Price. The Buy Below Price is like our maximum price limit when buying CEB. Also it means, when the share prices goes higher than our Buy Below price, we will not Buy anymore. Be disciplined. How to set a Buy Below Price? In COL Financial, the Buy Below Price of CEB is 90. And in Truly Rich Club the Buy Below of CEB is 98.20.


  • Check the Current Price. This is our last step in choosing a stock entry point. Make sure you have a clear picture of how CEB is performing yesterday, today and it’s possibilities on the following days. As of this writing, the current price of CEB is 106.60. Which automatically makes that price over and beyond the Buy Below Price, right? Meaning, you cannot buy shares of CEB at this time.

So, what was really the entry point price of CEB? It should be below the Buy Below Price and Below the 52-week High!

I was able to buy CEB at 93.15 pesos per share last February 27, 2017. 

In conclusion:

Choosing a stock entry point means you don’t have an exact price as an entry point! But rather, you have guidelines to follow. As mentioned above, Check the stock’s 52-week Low and High prices and Set a Buy Below Price. With these two simple guidelines I assure you that you will have a better GAIN on your portfolio.

And as of this writing, my CEB has 14.24% GAIN! and growing.

As always, keep on learning and earning soon! Happy Investing!

Sell in May and Go Away

Have you heard this well-known proverb Sell in May and Go Away?

Well, I’m here to tell you it’s not always the case. But first of all let us try to understand Where and How this proverb ‘Sell in May and Go Away’ came to be. And what really Investors like you and me will do in May.

Sell in May and go away
Sell in May and go away


The phrase sell in May and go away is likely a take on an old English saying, “Sell in May and go away, and come on back on St. Leger’s Day.” This phrase refers to the custom of aristocrats, merchants and bankers who liked to leave the city of London and go to the country to escape the heat during the summer months. St. Leger’s Day refers to the St. Leger’s Stakes, a thoroughbred horse race in mid-September and the last leg of the British Triple Crown.

American traders who are likely to spend more time on vacation between Memorial Day and Labor Day mimic this trend and have adopted the phrase as an investing adage. However, the numbers also support this bit of folk wisdom.

Read more:

That’s the short history about the proverb, sell in May and go away.

So, here we go… What you and me really have to do in May? Allow me to suggest 3 concrete steps:

    1. Buy with caution
      It means buy additional shares of your stocks this month of May. But with caution means, you should check our Buy Below prices before buying. Always buy stocks that are equal of below our Buy Below prices. No excuses.That is to maximize your growth potential in the future. What we mean is, the lower you buy the stock prices the higher the potential of gains you will have in the future.Because we are long term investors.


  • Sell on target price
    Most of the time at around halfway of the year stock prices reached their peak or target prices. This is your opportunity to sell a portion or all your shares to lock down your profit.Why sell when there is a potential for stock prices to go higher? Because nobody knows how high the prices can go, that is why discipline is very important. We need to follow our target price. See our target prices in Stock Pick page.When the target price is reached sell a portion or all shares, period.



  • Add more money
    This is the heart of investing. Add more money to your portfolio. Whatever the case maybe, whether the stock market gains or losses always add more money to your portfolio.The bigger the capital the higher the gains!Of course, how would your money grow if you don’t add your capital, right? That is why continue to perform well in your daily job. When you receive your salary, always set aside a small amount for savings and investment.Add more money regularly to have A better portfolio for a better life!


That’s it! Sell in May and go away! And as always, keep on learning and earning soon!

I wish you all the best in your stock market investment!

Happy Investing!

Stock Watchlist

Choosing the best stock among the many in the Philippine Stock Exchange is a daunting task. That’s why we need to ask, search and research carefully. Sorting a Stock Watchlist is a genius way to do it.

Stock Watchlist

The importance of having a Stock Watchlist:

For new and seasoned investors, having a stock watchlist is a must. This is a list of your favorite, liked and admired companies. You sort all of them so you won’t forget them. You want that when you check their details it is available in one place.

  • Complete details in one place – Loving more than one stock is normal as an investor. Especially when you continue to discover new companies from time to time. In a watchlist, you will have all the details for your chosen stocks. Which makes your life a bit easier.
  • Easy to manage – Not a techie? No problem, managing your stock watchlist is as easy as A, B and C. When you want to add a stock, simply type its stock code on the text box then click Add. To delete a stock, simply type its stock code on the text box then click Delete. To empty your stock watchlist, simply click Delete All.
  • You can focus on what’s important – This is a life hack, instead of memorizing and worrying the details for each stock. Why not put all of them in a watchlist. That way, you can focus on what’s important.

Steps on how to create a Stock Watchlist?

  1. Login to your COL Financial account.
  2. Click Quotes menu then click Watch List.
  3. Now start organizing your Watch List.

In conclusion, as an investor always find ways to better your experience. Keep on learning new things and new ways to enhance your trading style. One of which is to practice having a stock watchlist.

I hope you learn something new today and as always, keep on learning and earning soon!