Entering a Golden Era

Friends,

I wanted to write this so many months ago but there is always something holding me back. I feel like I am not in proper authority to speak on these things plus I really don’t know how I can say this in a very simple way. But now the reasons are so compelling that I will share this anyway.

Last January I started investing in the Stock Market. First, I am afraid that my hard earned money will just be flushed in the toilet. So I hesitated to enter what I think is a bear’s cage. But after learning basic concepts and opening my mind to this alien idea. I decipher the technique in investing in stocks. The key is PERSISTENCY. I started small but consistently. They call this cost-averaging technique – I call this a no brainer’s method. Why? Because it makes everything simple. What I like about this method is that you don’t have to worry when the stock will goes up or when will it goes down. It gives you a peace of mind and doesn’t need to learn much on the technical side. I am regularly saving money and make it a habit to put a certain amount to my investments or portfolios. I just have to put a certain amount regularly and accumulate shares of a good company. I also diversify so that I can minimize risks. By this way I become more like an investor instead of a trader.

For the first six months I see a very little gain and unreasonable profits in my investments. I am becoming impatient. Sometimes it even goes red which means I have to take losses. But it didn’t matter. I continue to invest in these companies. I believe it will appreciate anytime soon and my mindset is that I will continue to do this until I reach my financial goals.

But three weeks ago the market begins its way up! It seems like it is riding a Bull. It surges like a rocket and even breaks its all time high record! I think it is UNSTOPPABLE. I believe it is only the start of its way up and I haven’t seen anything yet.

To give you an idea how much these companies makes profit for the past nine months. Here are some of the equity funds I look into.

Equity Fund A 61.37% Up
Equity Fund B 47.58% Up
Equity Fund C 45.91% Up

There are still many reasons to push our economy up and appreciate further the value of the Stock Market. One of the reasons is foreign investors start to come. This is a good sign that there is still a bigger room to move into. For the coming months they will bring lot of money and start to buy companies that I am buying too.

There are also things we must consider before we start buying shares in stock market and there are things we must know where to put our money first before entering any investments. We can help you on these things. I wanted you to meet my mentors and be financially educated. We are afraid with the things that we do not know. Do not be afraid with the Bears and ride the Bull. I hope you will not miss the ride going up! Wishing you success and happiness! -jmp

Featured Article…

To give you more idea where are we now and where the market is heading for the years to come, you might want to read this article from Bloomberg.

http://www.bloomberg.com/news/2010-09-07/philippine-malaysian-equities-set-for-a-golden-era-technical-analysis.html

Featured video

Here is a good introductory video what is a Stock market and how you will make money from it.

http://www.youtube.com/watch?v=PLOOwkQa6bE&feature=related

What the Bible says about it?

Without consultation, plans are frustrated, but with many counselors they succeed. -Proverbs 15:22

Then Isaac sowed in that land, and reaped in the same year a hundredfold; and the Lord blessed him - Genesis 26:12

Joke time…

The market is weird. Every time one guy sells, another one buys, and they both think they're smart.
From Milton Berle's collection

Momentum Investing: The fine art of buying high and selling low.
Value Investing: The art of buying low and selling lower

Points to Ponder…

- A rising tide lifts all boats.. ~Author Unknown

- If a business does well, the stock eventually follows. ~ Warren Buffet of living you've grown accustomed to.

As they say…

An investor without investment objectives is like a traveler without a destination. ~Ralph Seger

Money is like manure. You have to spread it around or it smells. ~J. Paul Getty

Only buy something that you'd be perfectly happy to hold if the market shut down for ten years. ~Warren Buffett

Definition of Terms…

Bull or bear market: these define the tendencies in the stock market. Bull markets are optimistic markets which have been rising for substantial period of time. Bear market is pessimistic where prices continue to fall.

Did you know?

40th Most Competitive Economy
In its 2002 World Competitiveness Year Book, Swiss agency Institute for Management Development (IMD) ranked the Philippines as the 40th most competitive economy in the world. The Philippines was ranked ahead of Indonesia but behind other East Asian countries such as Singapore, Hong Kong, Taiwan, Malaysia, South Korea, Japan, China and Thailand.

In a separate report also in 2002, the Philippines was ranked as 61st among 80 countries in the global growth competitiveness ranking of the World Economic Forum (WEF), which is a project of the US-based Harvard Business School.

The local partner of WEF is the Makati Business Club (MBC) while the local partner of IMD is the Makati-based Asian Institute of Management (AIM). These two organizations supplied most of the data used in the country's ranking based on the results of surveys conducted among businessmen and investors.

Have you ask yourself…?

*Can I achieve my financial goals at the rate my salary is moving?

*Which type of investments I look into? Am I more suitable for a High or Low Risk Investment?

Thing to consider…

1. Start reading business section from your daily newspaper or from internet news.

2. Know some technical terms and basic ideas behind investing.

Do you need friends to assist you how to study and learn to make your money grow and help you to achieve your BIG dreams? We are conducting FREE practical wealth seminar. For schedules Email me at jeromeperalta@gmail.com

Wishing you More Success and lot of Happiness…
Your friend,
Exo.

Sandwich Generation

Friends,


Are you a part of Sandwich Generation? This is a term used for describing people living today who are supporting their parents and at the same time having a child to feed. They are the one who are taking care of their aging parents and maturing children. This situation is common around the world even in U.S. Here in Philippines maybe “club sandwich” is a more appropriate term - a grandparents, brothers, sisters, niece, nephews or grandchildren to feed too! I have absolutely nothing against to those people helping their family. In fact, I admire them! But I wonder if several years after they retire, can they support themselves or they will end up being fed by their children too. Most of the time problem starts here - a continuous cycle and never ending sandwiches generation to generation. In my point of view it is not justifiable to pass the responsibility to the younger generations the burden to take care of us when we get old. It must not be a payment of ‘utang na loob” to us. This is far from the concept of a close family ties tradition. Isn’t it better if we can still provide for our own basic needs when we get old? Teach the young ones to be responsible enough in spending money. Prepare for your future medical needs, we will get old and sick anyway. Provide proper insurances and arrange your “will or testaments” we will die anyway and most importantly be financially educated. Accumulate enough assets and build passive incomes to provide your needs for the future. End this cycle. START SAVING for yourselves and learn to INVEST. Let us pass a prosperous life to those who are next in line!-jmp



Featured Article…
Here is a great blog from frugalpinoy.com helpful tips to avoid becoming an honorary member of Sandwich Generation.


http://www.frugalpinoy.com/financial-tips/are-you-part-of-the-sandwich-generation/#more-1040


Featured video
Here is an interview from a member of SANDGEN. They also provide helpful tips late in the video.


http://www.youtube.com/watch?v=bCBoeBrZ4KU&feature=related

What the Bible says about it?


A parent man leaves an inheritance to his grandchildren, but the sinner's wealth is laid up for the righteous.- Proverbs 13:22


Their father gave them great gifts of silver, gold, and valuable possessions, together with fortified cities in Judah, but he gave the kingdom to Jehoram, because he was the firstborn.- 2 Chronicles 21:3


"For I know the plans I have for you,” says the Lord. Plans for good and not for evil, to give you a future and a hope." - Jeremiah 29: 11

Joke time…


The best time to start thinking about your retirement is before your boss does…


Three elderly gentlemen were talking about what their grandchildren would be saying about them fifty years from now.
'I would like my grandchildren to say, 'He was successful in business' , declared the first man.

'Fifty years from now, 'said the second, 'I want them to say, 'He was a loyal family man' .

Turning to the third gent, the first gent asked, 'So what do you want them to say about you in fifty years?'

'Me?' the third man replied. 'I want them all to say, 'He certainly looks good for his age!'



Points to Ponder…

- Life begins at retirement. ~Author Unknown

-The challenge of retirement is how to spend time without spending money. ~ Unknown


As they say…

You're only young once but you can be immature all of your life. --Charles Scoggins

Retirement kills more people than hard work ever did. - Malcolm Forbes


Did you know?


Statistics show that the majority of sandwiched individuals are around age 60. An article published by WNBC indicates that more people than ever are caught caring for multiple generations.

The main reasons for this include:

• Adults live longer now than they used to
• The costs of starting a life, buying a house, marriage, children, have gone up to such high amounts that young adults can’t often afford a self-sufficient life and move back in with their parents.
The article also noted, “In the year 1900, only 7 percent of Americans lived with at least one parent. Now, that number is 49 percent.”

Have you ask yourself…?

*Are you taking steps not to be part of sandwich generation? What are these steps? If not, When will you start planning?

*How do you want to live after you retire?

Thing to consider…
1. Learn to open up and talk about your finances with your family especially with the young ones.

2. Learn how to make passive incomes and know how to increase your cashflows.


Do you need friends to assist you how to study and learn to make your money grow and help you to achieve your BIG dreams? We are conducting FREE practical wealth seminar. For schedules Email me at jeromeperalta@gmail.com

Wishing you Great fortunes and Great Miracles…

Your friend,
Exo.