Monday, July 2, 2018

cabreraflorina.blogspot.com


Think, speak and act just as you wish to be, and you will be that which you wish to be.
July2018/cabreraflorina.blogspot.com/ios.florinac@gmail.com

You are just what you think you are and not what you may appear to be. You may fool others but not yourself.
July2018/cabreraflorina.blogspot.com/ios.florinac@gmail.com

THE GREATEST TRADER AND INVESTOR OF ALL TIMES


Do not forget the Greatest Trader and Investor in human history who will went all – in so that we will experience the real wealth in life – JESUS CHRIST.

God Bless Us..
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ONE-TIME INVESTING IS A BET


Disciplined investing means doing it consistently and continuously.”

You will not be able to achieve your financial goals if you only invested one-time. You cannot expect your 5,000 pesos to grow to a million pesos even in ten years if you just leave it without doing top-up investments. You must consistently invest in order to fulfill your financial goals at your target time horizon. Investing regularly helps you to manage and maximize the ups and downs in the market.

Do not worry, as your financial advisor shall also assist you to plan when, where, and how you can top-up your investment, without eating up a large chunk from budget. Usually this is also done through cash or check deposit, fund transfer, bills payment, or remittances (this shall vary depending on the mutual fund company you will be investing in.)

Investing should be seen as an enjoyable task, not a painful process that obliges you a sacrifice. If this is how we perceive it, you tend to repeat it. Again, investing is both emotional and personal decision. It is psychology, use it on your side.

In the end, always anchor everything to what truly matters.

-Mr.Rex Ma.A.Mendoza

God Bless Us..
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ios.florinac@gmail.com

YOUR WEALTH ISN’T YOUR MONEY


One day, I met a wealthy friend who lost millions because of typhoon Ondoy. His house and car were destroyed. He said something that blew me away..

I asked him, “How are you?”
He said, “I only lost material things. Give me a year and I’ll earn it back.”

Your wealth isn’t your money. Your wealth is who you are.

I love saying this: Money is merely a symbol of value. If you want to increase your money, you have to increase your value. The more value you have, the more “symbols of value” (money) will follow into your life.

-Bo Sanchez

God Bless Us..
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YOU NEED TO BE PREPARED


You will always have an excuse not to save or invest. No matter what your excuse is, you need to be prepared because:

This is for sure:
1.You’re going to get old next year
2.Your child will grow up and enter college
3.You’ll eventually retire and stop making active income

-Ace Aguirre

God Bless Us..
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ios.florinac@gmail.com

THERE’S NO SUCH THING AS A FREE LUNCH


A man established a zoo and made the entrance fee of P300 but no one went there.

He reduced it to P200 but still no one came. He then reduced the fee to P10 but still people didn’t come.

Finally, he made it free entrance and soon, the zoo was filled with people. Then he quietly locked the gate of the zoo, set the lions free and made the exit fee of P500 and everyone paid.

Moral Lesson: As you go about in life, beware of free offers, they can be terrible.

-Eugene Duero

THE SIMPLE RULE ABOUT MONEY


Lo, Money is plentiful for those who understand the simple rules of its acquisition

1.Start thy purse to fattening
2.Control thy expenditures
3.Make thy gold multiply
4.Guard thy treasures from loss
5.Make of thy dwelling a profitable investment
6.Insure a future income
7.Increase thy ability to earn

God Bless Us..
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ios.florinac@gmail.com

SHOULD YOU QUIT YOUR JOB IF YOU’RE UNHAPPY AT WORK


A few days ago, a friend posted this on facebook: “Don’t quit your job just because you’re unhappy. Your bills don’t care if you’re happy or not.” Almost immediately, people started to ‘like’ the status update. And when I saw it, I couldn’t help but leave a comment.’

I replied, “Create another income source or find a new job first before quitting, but you should quit as soon as possible if you’re unhappy.’

Truth be told, I’ve met a lot of people who are admittedly not happy at work. But because they’re too afraid to go broke and not be able to pay their bills, they just choose to stay miserable in their jobs.

Having cashflow is important, and it should be a priority. However, you also need to take care of your mental and emotional well-being, or else you’ll just drift through life unhappy and full of regrets.

Why are you unhappy at work?
The first question that you need to ask yourself is why are you unhappy with your job? Knowing the deep-rooted reasons will definitely help you come up with better plans of action.

Because it’s boring..
When you feel unmotivated at work, then it could be one of two things. First, you might be unappreciated by your boss and peers. Or second, your job is not challenging enough. It will help if you can ask for feedback from your supervisor and colleagues regarding your work. Sometimes, hearing words of encouragement and appreciations is all you need to overcome that unhappiness in your job.

But if the reason why you’re bored at work is because your job has become routine, then it may be time for a change. You can request your boss to transfer you to another department, project of account; or perhaps, it’s really time to look for a new job.

Because it’s too stressful..
Experiencing stress at work is normal, and it’s important for you to learn how to manage it or else, it will slowly take its toll on your productivity and your health.

There are many ways to cope with stress, especially if it’s caused by having too much workload. Learn about proper time and energy management to lessen your stress and anxiety in the office. If that doesn’t help, then maybe you really just have too much on your plate. Talk to you supervisor and request for less responsibilities in the next few weeks to give yourself time to reenergize. And if nothing seems to be working, then it’s a good sign that you should start looking for a new job.

Because you hate your boss and/or co-workers
You spend most of your waking hours at work, so it’s important that you spend it with people that you get along with. You don’t have to be close friend with your colleagues, but at least you should enjoy working with them.

It pays to be honest about how you feel rather than breeding contempt on their actions and attitude. Most of the time, a sincere conversation is all it takes to make things right. However, if your work environment, especially the office politics, has become unmanageable and it’s starting to affect you negatively, then don’t wait too long to find that new job.

Because your salary is too small but you need the money..
First of all, realize that most people think they’re underpaid at work, so take comfort that it’s a normal feeling. What’s more important is to analyze your finances to see if you’re not really earning enough.

Track your spending and budget your income accordingly. Get rid of unnecessary expenses if your cashflow can’t afford it. Afterwards, look for additional sources to augment your earnings.

As I’ve said, cashflow is important and should be a priority, but never settle or stay too long in a job that doesn’t make you happy and fulfilled. Be mindful. Make plans. Find success.

There a lot of reasons why you can become unhappy at work. Analyze the cause and be mindful of what you can do to change or improve the situation. When you’ve done your best to amend things, and nothing seems to be working, then start making concrete plans on how you can quit your job.

It’s unfortunate that a lot of people escape reality instead, as a means to cope with their situation. They immerse themselves in soap operas, crave self-validation in social media, recreate their ideal world in role-playing games, or find happiness in acquiring material stuff.

These are temporary solutions to a problem that will never go away unless you face it head on. Run away from your reality long enough and you’ll become a person that you’ll hate years down the road.

Renowned author Maya Angelou once said, “Succes is liking yourself, liking what you do, and liking how you do it.” It’s time for you to find success under that definition.

Written by: Fitz Gerard Villafuerte

God Bless Us..
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ios.florinac@gmail.com

REASONS WHY MANY PEOPLE FAIL TO ACHIEVE THEIR FINANCIAL GOALS


One of the reasons why many people fail to achieve their financial goals in life is due to lack of personal motivation. When you are highly motivated, your mindset changes. You become more disciplined in saving and investing your money. You desire to learn more about investing and growing your savings.

God Bless Us..
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ios.florinac@gmail.com

MY MAIDS ARE NOW RICHER THAN MANY MANAGERS


Eight years ago, I taught my Maids how to invest in the Stock Market. People laughed at me when I told them what I was doing.

“That’s too much for them,” one friend told me. “They can’t handle that. It’s better to teach them how to put their money in the bank.”

But who’s laughing now?

One of my Maids has P1,471,874 in her Stock Market account. My other Maid has P1,053,521 in her account.

And here’s a fact: My Maids are now richer than many Managers! I’m not kidding.

You see, I talk to a lot of Managers when I give corporate seminars. Many of them have Zero Savings and some are Buried in Debt.

My Maids? They’re confident that they’ll have P10 Million when they’re retire.

P.S. My Friend, 2017 is almost over.

If you are currently employed, your 13th Month pay and/or Christmas Bonus is just around the corner. Gentle Reminder: ‘Wag ubos-ubos biyaya or else, you’ll wonder where did all that money go?’

PS2. You know the 3 Secrets of Bo’s Maids?
1.They Consistently set aside 20% of their salary each month.
2.They build the Discipline.
3.They have a Mentor to guide and coach them in their Saving and Investing journey.

http://bit.ly/GoodMoneyHabits

Written By: Bo Sanchez

God Bless Us..
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ios.florinac@gmail.com

MONEY TALKS


“Training us to renounce ungodliness and worldly passions, and to live self-controlled, upright, and godly lives in the present age”.
-Titus 2:12

Spend less more, impressing your friends and more time being who God wants you to be. Spending more money than you make won’t guarantee that you will be happier. It will, however guarantee you a life full of worry and undue stress. Ask yourself if you are more concerned with what others things about the money you make, the places you’ve been, or the things you have, than whether or not God thinks you are compassionate, kind, humble and patient.

Do you place honesty, integrity, being a good spouse, a loving parent, selfless service, and sacrifice ahead of driving the right car and wearing the right clothes?

Titus 2:12 says, “It teaches us to say NO to ungodliness and worldly passions and to live self-controlled, upright and godly lives in this present age..”

Culture says that unless you make a lot of money, drive an expensive  car, wear brand name clothes, and live in expensive homes, you will never be happy or successful. But don’t confuse having those worldly things with having your godly financial house in order.

If you want to live a self-controlled life, spend time with God, and read your Bible daily to allow God to speak through His Word. Don’t concerned with what others might be thinking of you. Rather be more concerned with who God wants you to be! As a result, you will find it easier to spend less money on things.

-Randell Tiongson

God Bless Us..
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ios.florinac@gmail.com

LONG-TERM INVESTING FOR LONG-TERM GOALS


One of the questions frequently asked when investing is time horizon – also known as the length of time one is willing to park his fund. While there are a gamut of instruments that can accommodate quick investing, seasoned fund managers and practitioners would always recommend long-term over short.

Based on research, here are the top 4 reasons why:
1.You take emotions out of the investing equation. Investing long-term takes away worry from an investor especially when the market drops. He becomes more forgiving and believes that vitality is short-term. Long-term investing gives peace of mind. An investor can sleep well at night no matter how unstable the market has been on, any particular day because he knows that he is investing for his future 10 years later.

2.You let the power of compounding do its job. Compounding power of money works well because of one key ingredient – time. The longer you stay in the market, the more the compounding effect shows off. One of the reasons why Filipinos refrain to invest is because of the notion that it takes too much time for the investment to grow. We are fond of immediate results, hence, instant gratification. That’s why many people are still hesitant to invest. On the other hand, there are people that are still fans of “get-rich-quick” money schemes without knowing the underlying instruments for systems. They certainly make the perfect targets for scams. Either they incur significant losses, or pocket small, short-term profit (then miss the opportunity to let their money grow much more.) They’re killing the magic even before it starts.

It is the time in the market, not timing the market, which spells success in investing.

3.You can fix your investment mistakes. As the adage goes, ‘time is a great healer.’ This is true with investments. Going long-term gives you the advantage of recovering losses in the past. A bad year can be balanced off by successive good years. History has proven that after significant losses, the market picks up momentum and climbs again to sustainable levels (true to the concept of the 5 year cycle.) The Philippine Stock Exchange index (PSE) performance for the last 30 years shows that albeit the local market experienced upward and downward trends through the years, the overall result is still positive. Although short-term corrections seem random, the market tends to reflect the overall growth and productivity of the economy in the long run.

4.You avoid making costly decisions. An investor who is directly invested in the market may gain at times and tries to beat the market again and again. He may succeed and achieve small wins, without knowing that an average investor trying to beat the market may inflict more losses than profit. Worse if he is invested in actively managed fund such as mutual funds, in a way the compounding effects wear off, the investment is booked at wrong times, and the fees accumulate or are repaid every time he transacts. Thus, making him, “managed the fund manager.”

“Patience is a virtue, and persistence is the key to success.” These two values hold the core principle of long-term investing. If you are saving up for your financial dreams in the next ten to fifteen years, there is really no need for you to put your money in short-term investments, unless you want to gain short-term earnings for long-term investments. Let the compounding effect kick in and do wonders on your investments’ performance. You have worked hard enough; now allow your money to work for you.

-Rampver Financials

God Bless Us..
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ios.florinac@gmail.com

I LOVE INVESTING


“Every investor needs to have patience, a lot of it. In mutual fund investing, patience is indeed a virtue.”

“Start investing in small amounts regularly. Baby steps will bring you closer to your big dreams.”

“When you begin to chase returns, there is a high possibility to you may begin to be desentized as to the risks that you take. The lure of big returns have footed many unwise investors into losing more than their shirts, so to speak.”

“Wealthy, successful person are very particular about who they associate with. Their goal is to develop relationships with other success – minded individuals.”

“Anyone who is not investing now is missing a tremendous opportunity.”

“The more you think about the pleasure and enjoyment you get from seeing your savings and investment account growing, the more motivated you’ll be to spend less, save more, and grow that account.”

“Whether you have small dreams or big dreams, setting goals allows you to plan how you will chart your future. Getting started can be scary, but it is necessary.”

“Do not invest just to make more money. People mistakes when the motivation is simply to earn more. Invest with purpose. Invest to achieve prioritized, specific and meaningful financial goals.”

“Frugality is a habit embedded in our daily routines. Build your habit of saving. A little savings from your day-to-day tasks adds up so you can invest in something worthwhile for your future.”

“It is not how much you earn but how much you save and how much you make a difference.”

“If you are 30-40 years old, if you want to do something yourself, do it. If you are 40-50 years old, do something you are good at, don’t do something you don’t know about. But when you are 50-60 years old, focus on the young and happy people. When you are over 60 years old, spend time with the grandchildren.”

“Money cost. Averaging never fails. Because money takes time to grow.”

HINDI LAHAT NG UTANG AY MASAMA


One way to figure out if you’re taking on good debt or bad debt is to ask yourself, “What is its intended end-goal? If the end result of your debt adds real value or income to your life, it may be good debt, such as borrowing money to help finance your house of your business. However, if your debt is made simply to finance your lifestyle, it may be a bad debt. For example, going on a shopping spree every month using your credit card and not paying that off immediately – that’s a prime example of bad debt.

Let’s assume that you have bad debt right now. Bakit kailangan mo itong bayaran bago ka mag-invest? Simple: Kadalasan mas malaki ang interest rate na binabayaran mo sa utang kaysa sa kikitain mo sa pag-iinvest.

Sabihin natin na maganda ang stock investments mo this year, at nagga-gain ka ng 15% pero nagbabayad ka naman ng utang sa credit card na 3% kada buwan. That gives you 36% worth of interest to pay off every year! Even with a steady return of investment, having debt can and will eat away at your money and net worth.

Don’t take one step forward and two steps back. Before you start investing, pay off any bad debts first.

God Bless Us..
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ios.florinac@gmail.com

DON’T FEAR


Napakaraming klase ng fear, libo-libong klase. Fear of the heights, fear of the unknown, fear of failure, etc.. but one of the worst according to Success Experts is what they call “The Fear of Success.” Kaya maraming tao kapag nare-reach nila ang certain level of success, subconsciously, gumagawa sila ng way para ibagsak ang sarili nila or hilahin ang sarili nila pabalik sa dati nilang kalagayan. Hindi nila ma-accept na deserve nila maging successful at maging masaya. Applicable ito sa health, finances, relationship, mental and spiritual.

By: Aldrin Cabrera

God Bless Us..
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ios.florinac@gmail.com

BE FAIR


Kung may fulltime job ka, give your best for the company that you work for. Be fair to your employer.

But more importantly, be fair to yourself and to your family. Build something that will outlive your life as an employee.

Beyond the 8-10 hours of daily grind, build something bigger and better than yourself. If you do so, you will have no regrets.

Start today! Invest the 86, 400 seconds given to you (to all of us) everyday. Make every second count. Live a life with no regrets.

God Bless Us..
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ios.florinac@gmail.com

3 TIPS IN MUTUAL FUND INVESTING


1.Staying in the market is the safest thing to do.
(In and Out, In and Out, will always put you at risk)

2.The biggest risk is not when you’re in the market and it goes down, but when it goes up and you’re not part of it.

3.The key is to participate in the continuing growth story of the Philippines.

-Rex Mendoza

God Bless Us..
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ios.florinac@gmail.com



STAYING POWER


NO BACKING DOWN.

There is no glory in surrender, fighters say so. They go to battle with triumph in mind and soul. But we’re human, bounded by frailties, mistakes, emotions and fear, the echoes and voices linger in the heart that pierce into one’s soul. Commitment is when you do the things you continue to hold on to the vision. Commitment is when we keep moving forward.

Because sometimes, the biggest battle is in the mind and heart. Sometimes we quit even when we haven’t fought hard. A kind of fighting spirit. Some balls to move the impossible. A kind of heart that is brave. All of us have our own battles. We choose the people to battle with on the same side.

All of us have a story about something, someone we fight for in this lifetime make it worth every blood, every sweat, every tears and sleepless nights. Because the journey is a long way to go. Yet we embrace the journey – its beauty and pain.

What will you fight for in this lifetime?

Written By: Maria Krissy Domingo

God Bless Us..
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ios.florinac@gmail.com