Then The Grand Master Yoda said “RS, I am”

This post is dedicated to my Erudite siblings Chronos and Nikko who has never watched the Star Wars. Let’s watch it together, shall we? I love you both.

You guessed it right, this is an RSI story. But why is grandpa Yoda in the title? Why is he even here? My answer is WHY not? Read grandpa Yoda’s Mentor ID and you’ll learn the Biggest WHY:

yoda the grand master

Who does Yoda train? Luke Skywalker, Clone Troopers? Yes! And grandpa Yoda’s trainees are called the Padawans.

Padawan, or Jedi apprentice, is a trainee who is apprenticed to a Jedi Knight or Master. Padawans receive one-on-one instruction in the ways of the Jedi. When a Padawan’s training is completed, he must pass the Trials to become a Jedi Knight. Padawan means LEARNER in Sanskrit.

Speaking of LEARNER, my Erudite siblings and I have this is our Top 3 Strengths, heheheh! (My blog post is not complete without a segue, I think I have to rename my blog Nunu’ Segue Segments. You see what I did there? A segue within a segue, the inception of segues. Okay, last ko na yon).


What is RSI? What does these 3 important letters stand for?

Let’s read it from Investopedia:


The ZFT uses RSI 14-day period and there are three types of RSI patterns each differently used in Uptrend, Sideways, and Downtrend. But here I just want to emphasize the most important level of RSI: the green line shown above – the RSI 50 demarcation line. This is a power line, if you consistently use this in an uptrend you are surely profitable by the end of the year. I emphasized the words consistently and uptrend, because your psychological capacity must be aligned with your technical analysis knowledge. Try back testing this simple system: Buy if RSI is above 50, if MAs are in AOTS and if price is above AOTS. It’s so simple right? Yes, but ONLY IF you are consistent in following it, ONLY if you have the psychological capacity to stick to this system. Go ahead, back test it, trade it, and see the results if you did it to 100 consistent trades.

Remember what Coach Celeste said: TRUST THE PROCESS, but before that you train to master the PROCESS OVER PROFITS.

That’s the end for now. I hope you enjoyed reading as much as I enjoyed writing this piece.

Take care and God bless your trades!

Hanggang sa muli kabayan!


Mang Kulas Part 2

Another Darvas Story – this time it’s Out Of The Box

Nahalungkat ko ito sa aking baul, alam ko na noon pa man ay mahal na mahal ko na si Mang Kulas (Nicholas Darvas).

Last year, when I decided to study the Technical Analysis of the ZFT System, I started stalking all ZFT personalities I could find. I started asking them questions as a part of my quest to learning.

A lot of them were kind enough to respond to my questions, they look silly to me now, but back then those silly questions are the only thing I knew about Technical Analysis. One of the kind ZFTs assigned me to read a book about Nicholas Darvas and make a review within seven days, I was hesitant at first because I already read this book and I found it boring…

But then, I knew that if I wanted to continue this quest of mine I had to comply… So I did, and then…

The Magic Happened.

Below is the exact recount of the task and my review, to keep the authenticity of a novice’ amazement I did not alter any of the content.

Assignment: To read the book How I Made $2,000,000 in the Stock Market by Nicholas Darvas

ZFT Mentor:                  (excluded because I was sworn to secrecy)

Date Assigned:             November 19, 2017

Deadline:                       November 26, 2017


To read the book 2 to 3 times and then answer the questions listed below. Type answers in word and send it on or before the deadline:

  1. What were the similarities that Mr. Darvas experienced as a newbie trader that you also experience at present time?
  2. What were his mistakes?
    • When Mr. Darvas thought that the mysterious moves in individual stocks usually coincides with violent move in the general market.
    • Mostly similar to the written as answers to Number 1 question, which I copied again here:
  3. What were his turning points or AHA moments before he became a profitable trader?
    • When he bought his second profitable stock after his biggest loss, it was then that he realized that it was because it was purely based on the price action in the market.
    • When he figured out that if there is a fundamental change in a stock it will soon show up in the price and volume.
    • When he realized that, after developing the box theory:
    • There is no sure thing in the market – he was bound to be wrong most of the time.
    • He must accept this fact and readjust himself accordingly – his price and ego would have to be subdued.
    • He must become an impartial diagnostician, who does not identify himself with any theory or stock.
    • He cannot take chances, he has to reduce risks to the lowest possible.
  4. What did you realize from the story of Mr. Darvas?
  • Keeping a record is important, this when he knew he was losing.
  • When buying and selling stocks, write down the reason why.
  • When you cut loss write down the reason and try not to repeat the same mistake.
  • That you can go broke by constantly trying to take a profit on an uptrending stock rather than holding it while riding the uptrend.
  • I always hear it in stock groups or in FB that when you get a loss, your so-called mentor or stock trading peers will say to you “okay lang yan, small tuition fee to pay to learn how to trade” until it becomes normal that I, too, am telling the newer ones the same. But Mr. Darvas and the other expert traders like ZFTs for instance have already suffered this same fate and learned from it so that we don’t have to. Sacrificial lambs as you may call them, so we just have to take advantage of what they learned from their mistakes, we have to study what they learned so that we do not have to suffer the same fate. But most of us, and I’m super guilty of this, too, we just go and enter the market without the proper ammunition for it. There’s a lot of free training courses out there, ZF’s blog being the most comprehensible one with visual samples, what more could we ask for? We don’t have any excuse! I don’t have any excuse! I will no longer make up excuses!
  • I can learn a lot from the rules that Mr. Darvas concocted after experiencing ups and downs in the market:
    1. I should not follow advisor services. They are not infallible, either in Canada or on Wall Street.
    2. I should be cautious with brokers’ advice. They can be wrong.
    3. I should ignore Wall Street sayings, no matter how ancient and revered.
    4. I should not trade “over the counter” –only in listed stocks where there is always a buyer when I want to sell.
    5. I should not listen to rumors, no matter how well-founded they may appear.
    6. The fundamental approach worked better for me than gambling. I should study it.
    7. AND THE HOLY GRAIL: I should rather hold on to one rising sotck for a longer period than juggle with a dozen stocks for a short period at a time.
  • None of these works: gambling, tips, information, research, investigation.
  • Ignore all rumors, tips or fundamental information, do not concern yourself with the reasons behind a stock price’s rise. Purely technical approach to the market is sound. By studying price action and volume, discarding all factors will give positive results.
  • A good technical lesson on how to detect a rising stock: if a usually inactive stock suddenly becomes active, and if the price rises, add it to your watchlist.
  • Back testing is a key factor to successfully trade a stock.
  • Always trade UPTRENDS!
  • The BOX Theory: When the boxes stood, like a pyramid, on top of each other and the stock was in the hightest box, add to your watchlist! It could bounce between the top and the bottom of the box. A healthy lively stock would do what it likes, bounce or any movement as long as it’s inside the box. If it is lively stock within a box, it would rise dynamically. Example:

Nicholas Darvas boxes

  1. In this example, Darvas compared the prices into a dancer that leaps into the then goes into a crouch to set himself for the spring. Just like the example in the figure above, a stock in an UPTREND that retraced to 45 after reaching 50 is consolidating or preparing to spring up to its next upper box. Otherwise, if it breaks down from 45 you have to sell or cut your position as it will now create a lower box and might have a reverse effect as of that spring up.
  2. In studying this theory, Mr. Darvas also learned that the ranging inside the box shakes out the weak hands which enables the stock to spring up more rapidly.
  3. Another example: 50 – 52 – 57 – 58 – 60 – 55 – 52 – 56 = new upper box range is 52-60
  4. Another example: 58 – 61 – 66 – 70 – 66 – 63 – 66 = new upper box range is 63-70
  5. The right time to ENTER: when it enters a new higher box!

Nicholas Darvas boxess.png

  1. There is no sure thing in the market, you are bound to be wrong half of the time.
  • Manage your emotions – your pride and ego must be subdued, you should have a cold unemotional attitude toward stocks, do not fall in love with stocks. SELF DISCIPLINE!
  • There are no good or bad stocks, there are only rising or falling stocks. Hold the rising stock, sell the falling stock.
  • If you are wrong, sell immediately with a small loss.
  • You can always buy back a stock at higher price if it goes inside the upper box.
  • PROFITS must be bigger than you LOSSES!
  • Discipline yourself to hold on a rising stock and not to sell too quickly.
  • On a rising stock, always set a Trail Stop.
  • On taking profits, accept that you will not be able to sell at the top. Sell on your trail stops, or when the boxes begin to reverse.
  • Learn from Mr. Darvas’ Objectives:
    1. Right Stocks
    2. Right Timing – buy on breakout of box, add more on next breakout of box
    3. Small Losses – cut loss on breakdown of box
    4. Big Profits
  • Learn from Mr. Darvas’ Weapons:
    1. Price and volume
    2. Box theory
    3. Automatic buy-order (This won’t work in COL, so follow ZFT xxx advice, observe and buy between 11:30am to 12:00pm and 3:00pm to 3:15pm.
    4. Stop loss – Trail stop and box reversal
  • When the trend reverses going to a downtrend – RUN LIKE A THIEF!
  • If it becomes your passion, nothing can go in the way, nothing is impossible. This was shown during his difficulty of getting stock quotes when he was travelling around the world.
  • Have only few stocks in your port, it would be easier to manage and will cost lesser in fees.
  • Each stock behaves differently.
  • Distance yourself from rumors, try your very best not to get hyped, just stick to your setup stick to your plan.
  • When you make a big killing, be more cautious not to lose it by a wrong move, again just stick to your setup stick to your plan. I also always read that “What Miss Market gives you Miss Market can also take in a snap.”
  • + First time to hear the term “Pilot Buy”, I think I will change my “1st Tranche” title in my journal with this one, it sounds really cool 😊
  • When the guy realized that he just earned profits more than he could’ve imagined he could get in the stock market he did not barge, he stayed put, he kept on holding to his uptrend stock. Just how Kap says it “if a stock is in an uptrend it’s gonna go up foreveeerrrr”. Another lesson I learned in this part is that if your dreams come true it’s time to dream another dream – it’s time to dream bigger!
  • Being over confident is the most dangerous trait to have in the stock market. Having a big ego can spell disaster, the market can beat you this way.
  • Going in and out of the market without a plan, is deadly!
  • During a bear market look for outliers. It is okay to be a techno-fundamentalist during bear market for capital gain.
  • Buy high and sell higher.
  • Follow the leaders.
  • Never ever have a Get-Rich-Quick mind set! This will not bring good to anything.
  • Lastly, NEVER GIVE UP! Reading the first chapter of the book to the last, I saw how Mr. Darvas has lost numerous times, how he experienced a personal crisis, how his emotions crashed, but the stock market just like his dancing became his passion. “I was so desperate. I did not know what to do. I felt I could not go on. Yet I had to go on. I must save my property. I must find a way to recoup my losses.” And so, I WILL NEVER GIVE UP!
  1. I’ve read this book before, but it’s funny that when I read it now I feel different – I feel like it’s talking to me, as if Mr. Darvas knows me, as if Mr. Darvas was writing about my trading journey. I’ve just finished rereading the first chapter with teary-eyes and giggles here and there, at this early stage I can already answer question number 1: What were the similarities that Mr. Darvas experienced as a newbie trader that you also experience at present time?

+ Mr. Darvas, like most of us beginners, was working while trading. He was similar to an OFW like us, he was trading miles away from the market.

+ Written in the chapter of The Gambler, Mr. Darvas seemed to have the SUPERMAN SYNDROME after the very first stock he ever bought gained 380%. So he continued to buy and sell stocks feeling like a big businessman, a big stock operator – like a gambler. I was all these.

+ After the first problem, which he did not yet realize at that time, he reinvested his money from stock picks which he got from different people that he believed had better knowledge in stock market than him. He used TSISMIS ANALYSIS to buy his stocks.

+ He was an optimistic, clueless retail stock buyer who plunges in and out of the market. Well, at this point, I think Mr. Darvas has really written this book for me – if not about me. Hahaha!

+ As a new investor, he was also captivated by the dividends offered by long-term stocks. A familiar-sounding strategy as I also began as an “investor” choosing fundamentally sound stocks from the index list that were recommended by the Truly Rich Club, and later I heavily relied on Col Financial’s Investment Guide choosing from the ‘Buy Below’ priced stocks.

+ Mr. Darvas was quick to buy bulk shares from any stock tips he gets and then sell it at a loss.

+ There was also a time that he thought he made a quick buck with small profits not realizing this would turn into a loss due to brokerage fees. He was excited with small gains and he was swift to overlook his losses, sort of manhid with his losses… Oh my gosh! This is so me!

+ Sometimes he was emotionally attached to his stocks which for him had sentimental values.

+ His record transactions looked like a trading record of a small-scale stock exchange. Hahah! I surely remember having 12 to 20 Blue Chips in my portfolio and a Watchlist Porfolio just a few weeks ago.

+ Just like me, sometimes he would buy on news.

+ I always read in the market that 99% of traders will most likely to lose money in the stock market, well that speaks for me and Mr. Darvas who was losing money every week, it was his first and worst dilemma.

+ Hahaha! And hahahahah again! Seems like paying subscription fees for stock picks was already rampant back in the days.

+ He thought that “when to enter the market” was an insoluble problem, I thought so, too.

+ The Facebook groups such as TAP and other groups I’ve joined to get “advise” can also be compared to what Mr. Darvas thought as his small elite circle – his broker, his financial adviser and the subscription papers he relied heavily on to for a so-called “professional tips”.

+ In the next chapter, The Fundamentalist, Mr. Darvas describes how he felt when he was first offered to open a brokerage account, he felt that he was becoming part of the financial scene. This brings back the memories of my first time to step into COL Financial office to open my account. Tall building, elevators, people coming in wearing suits, though my initial deposit was only PHP 25,000 I felt vibrant! Like WOW! I’m a stock market investor! It was a dream come true! I’m going to be a shareholder of a corporation, I will be a co-owner of Jollibee! Wiiiiiiiiiii!

+ When Mr. Darvas had a series of fortunate trades, he was convinced that he was a natural in Wall Street. Clearly like how I felt when my Blue Chips started earning, only to learn in the future that most index stocks were rising because of the Bull Market.

+ “Whenever a trade was successful I praised myself.” Uh-oh, I would even occasionally brag about it to my partner and to a friend, hahahaha!

+ “If I saw a new stock I wanted to have it. I reached out for fresh stocks like a child for new toys.” – This is me during my IPO-clenching days. Hahahaha!

+ ”If I did not conduct at least one transaction a day I did not feel I was fulfilling my role in the market.” – Yeah, this is me for 5 months now since I started trading continuously for more than 2 months, when I started getting addicted to trading.

+ Mr. Darvas, like most newbie investors in the PSE as myself, previously liked buying cheap hoping to sell high. He also bought illiquid stocks as long as they were cheap, and so he thought – and so I thought.

+ Following big institutions, I remember in one stock group we call these “whales”, if they buy we buy if they sell we sell.

+ “I was so desperate. I did not know what to do. I felt I could not go on. Yet I had to go on. I must save my property. I must find a way to recoup my losses.”  This is my current situation, except I do not need to save my property but I have to save my hard-earned savings, my savings from my hard work from 24-hour shifts, from working on weekends, from emotional distress, and from having to leave your family to work abroad.

+ When Mr. Darvas joined an office filled with the wrong crowd and started to throw away his system, is like how I see my current situation where I have joined another group after TAP, but I took a break from the chatroom because it was starting to become crowded and different people were teaching different techniques that made my chart overpopulated with different indicators, a lot of wannabe teachers emerged that I was getting confused. This is when I decided to follow ZFT as I have been reading and hearing about Boss Zee’s blogs over the years but I’ve never really applied what I’ve learned from them. Having thrown his system, the dear Mr. Darvas just like my beloved self, started buying high and selling low, he started to feel fear, he started to blame other people for his foolish mistake, he became stubborn.

Side note: I learned a business lesson when I was at the latter part of the book, while viewing some old telegrams in the book, I stumbled upon something and for me this can be a very important business lesson: I observed that Western Union used to be a cable telegram company, but what are they best known for today? Money Transfer. Why do you think that is? For me, the obvious answer is that they had to innovate, they had to follow the market’s direction. In the past decades there was a fast development of technology which fueled the parallel speed of financial growth all around the world. They just had to follow the flow. Similarly, in stock market trading, we just have to follow the flow of up-trends – my recent awakening.

Well, the above was just my thought. So, I googled Western Union:

The Western Union Company is an American financial services and communications company. Its North American headquarters is in Meridian, Colorado, although the postal designation of nearby Englewood is used in its mailing address. Up until it discontinued the service in 2006, Western Union was the best-known U.S. company in the business of exchanging telegrams.

Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. They offered standard “Cablegrams”, as well as more cheerful products such as Candygrams, Dollygrams, and Melodygrams.

Western Union, as an industrialized monopoly, dominated the telegraph industry in the late 19th century. It was the first communications empire and set a pattern for American-style communications businesses as they are known today.

–Source: wikipedia

I’m just happy I was quite right with my observation 😊


Remember the story of how NOKIA failed? Western Union’s story is the exact opposite. They did not let the fast market change turn against them, instead they found a way to ride the wave. They were resilient, that’s what I want to be – a resilient trader.

— End —

I enjoyed re-reading my review, though these was written by my innocent self (I’m still a novice by the way), it feels good and I still learned or re-learned something from the task.

Until next time! Tata!

Si Fibonacci at ang Golden Bibe

Sino nga ba si Fibonacci at bakit sikat na sikat siya sa Stock Market trading community?

I asked Google and I found out about a secondary fact that surprised me. Remember Britannica? Those set of encyclopedia books that you’ve always wanted when you were a kid (or was it just me)? They’re still alive! Hurrah! If my parents were rich I would probably have acquired every single volume of these badass babies back then.

Ayun napa segue na, sorry naman! Na excite na naman ako.

So, ladies and gentlemen, without further adieu, I present to you… Mr. Fibonacci!

Who is Fibonacci.jpg

Mr. Fibonacci introduced to the world the Fibonacci sequence, which is a series of numbers where a number is found by adding up the two numbers before it. Starting with 0 and 1, the sequence goes 0, 1, 1, 2, 3, 5, 8, 13, 21, 34, and so forth. Written as a rule, the expression is xn = xn-1 + xn-2.

Kilala din ang Fibonacci Sequence na ito as THE GOLDEN RATIO. Here is an image that represents the Golden Ratio accurately:

Fibonacci GOLDEN RATION.jpg

The Golden Ratio is known to be found everywhere, in nature and even in the human body, here are the images to explain more about this:

Because for Mang Donald, hair perfection is life!

How is Fibonacci used in Technical Analysis?

As a charting tool, the Fibonacci levels have three main functions that help technical traders like us decide on our setup. Since Fibonacci is a leading indicator, or one that helps us forecast the probable next price action, it helps us find the following:

  1. Expected area of Support & Resistance
  2. Probable Retracement areas.
  3. Possible bounce areas.

Notice that I used the words Expected, Probable, and Possible; because remember, NO TOOL works 100% accurate all the time just like how we are always reminded that NO TRADING SETUP works 100% at a time. No matter what lagging or leading indicator you use, always MANAGE YOUR RISKS WELL (that’s also a note to myself).

How do we plot the Fibonacci in the chart?

Here I’ll just show you a visual of how fibonacci is plotted in the chart, I’m using the investagrams chart, the Fibonacci levels used here are 0%, 23.6% 38.2%, 50%, 61.8%, 78.6% and 100%. Please note that 50% is not a formal member of the fibonacci sequence but since it has been proven in back test results that price reacts at the 50% levels it has been added to the sequence numbers that we need to consider.

In plotting your Fibonacci in an uptrend, you must start at the bottom of the latest consolidation prior to the run up, going up to the highest point of the recent run up. Simply put, ZERO must always be at the TOP on an UPTREND plotting.

The opposite must be done in a downtrend price pattern. The plotting must start at the highest point of prior to the decline, and must go down up to the lowest point of the decline prior to the consolidation or sign of reversal. In short, ZERO must always be at the BOTTOM in a DOWNTREND plotting.

Please refer to the Blue arrows shown in the image below:

Fibonacci Plotting

Here comes the fun part, pag-usapan naman natin ang GOLDEN BIBE:

Para wala ng pa-ligoy ligoy pa, I’ll just show you in the next 3 illustrations on how you can use this Golden Ration tool as your Golden Goose that lays Golden Eggs during the uptrend of a stock.

  1. On an uptrend, your 23.6% area:

fibo 23 retracement

2. On an uptrend, your 38.2% area:

fibo 38 retracement

3. On an uptrend, your 50% and 61.8% area:

fibo 61 retracement

How do we use Fibonacci on a Bounce Play setup and on a Downtrend you ask…

Well that’s a different story, 2 different stories actually.

All I can tell you now is that the Fibonacci tool helps you




Stay tuned!

I discovered a CURE to my FOMO

(A late post that was supposedly from September 3)
What is FOMO you ask.


  1. anxiety that an exciting or interesting event may currently be happening elsewhere, often aroused by posts seen on a social media website.
    “I realized I was a lifelong sufferer of FOMO”

Thank you Google!

Fear Of Missing Out

I just realized that I’ve had FOMO since Day 1 of investing in the stock market, it’s a symptom common not only to traders but event to the general public it seems.

Before following ZFT, I used to have 6-12 stocks in my portfolio because these were the number of stocks in the watch list from the subscription services I signed up to. Or even way back when I was still following COL’s Investment Guide. If I see “buy this” “buy at this level” “buy below price” I would note all and buy at the sight of the numbers mentioned. I did not know how to filter stocks back then… Now thanks to the ZFT system, I learned how to filter the stocks to put in my watch list and even better – to create my short list. But my dilemma is when I get to have more than 4 short listed stocks in my notebook… Oh no! What do I do? Well, sometimes I end up having 5 or 6 stocks in my port. It sucks I know! But don’t judge me, I’m only human. Hahahaha! But not to worry, I’m working on this like how I’m always working on improving everything in my life (who goat?).

Until one day, a very painful whipsaw happened to me. I started noticing IDC when it started to create a base above 4.96, I said to myself “This is it! This is a ZS play I know well enough how to trade”. And so I crated the perfect trade plan of a ZS setup. From there, I started to accumulate shares, and because I was overly confident about this trade, I put an actual chunk of my portfolio – not the practice size I usually allocate until now. So I was accumulating for a couple of weeks but I got time stopped because I will be travelling the following week so I had to purge my portfolio…

One week later…

Kaboom! My trade idea came to life! “What the fudge!!!!” — how did you expect a newbie like me react to that? Hahaha!


But the beautiful thing that happened after that is this… The stock created a strong box after breaking out from ZS, and then it broke that box, those 2 scenarios were 2 perfect timing to enter right? Yes, 100%, but my purge pact which I created with myself was not yet finished. I had to follow my rule… FOLLOW THE RULE, the hardest thing to do but of course we should always try our best to do it. So, while the price was flying, I did nothing… I just watched from the sidelines, and realized that WOW, when you are on purge you tend to ignore the urge to trade.. This is good, this is really really really good! I love it!

Every single time that I trade the stock market since the day Boss lifted our ban,  I’m learning something new about myself, this amazes me – every time!

And because I missed Miss Market like crazy during my purge, like really cray-cray overload crazy. I give you…

The Moffatts!


During the time that I was writing this, I learned something incredible, my classmate Chronos also presented a similar topic to their Focus Group Discussion in Singapore. His topic was JOMO – the Joy of Missing Out, he said “Forget about FOMO, embrace JOMO” isn’t that fantastic!

Financial Freedom GOALS: The Richest Man from Babylon.

Sharing is caring muna tayo mga #Kabayan! About the lessons that we can use to achieve our Financial Freedom GOALS as learned from the book:

The Richest Man from Babylon.

The Richest Man in BabylonThe Richest Man in Babylon 2.JPG

1) #Start thy purse to fattening: Put simply – pay yourself first. Start by investing 10% of your total income. Do this consistently, make it a habit. As your income grows, so must your savings.

2) Control thy #expenditures: In layman’s term – live below your means. When you grow your income, it doesn’t necessarily mean you have to upgrade your lifestyle too, of course you can and you have all the right to. But go back to step 1, pay yourself first, it is possible to increase your savings to 15% to 50% before you upgrade your lifestyle. This way, you reach your goals sooner.

3) Make thy gold #multiply: Be smart, make your money work for you. Take advantage with the power of compounding interest- invest, invest, invest!

4) #Guard thy treasures from loss: Going back to step 3, always analyze your investment plans well before you sign up for anything. Do your research, there are a lot of information available in the Internet for free. Ask your friends for recommendations, much better if you can ask your mentor for advice. Beware of fishy promise of enormous returns! #NoToScam

5) Make of thy dwelling a #profitable investment: Rent-to-own, BUT, this depends on your lifestyle. There are a lot of factors to consider on whether you should buy/build a house or just continue to rent lalo na ngayon sa mga Millenials. Please do your calculations wisely, of course go for the option where you can save more in the long run.

6) #Insure a future income: Retire a Multi-Millionaire, because you can! Nowadays a lot of insurance companies are offering insurance with investments such as Pension Plans, just choose which best works for you. Choose wisely, sleep tight, and look forward to retiring comfortably.

7) #Increase thy ability to earn: Either you are currently an employee or an entrepreneur, acquire additional skills that can fetch you extra salary or a part time pay. The more you become good at what you do, the higher amount of money you can get for the value of your work.

Syempre dapat walk the talk tayo 🙂 how am I faring so far?

1. Sa #Pay Yourself First — nakaka save ako ng minimum 20% at maximum 100% ng salary ko every month. Paano naging possible ang 100% you ask, eexplain ko sa step # 3 & 7.

2. Sa #Live Below Your Means — eto proud ako dito, kasi dati hindi ko alam to kaya ako si tangengot I was living above my means hahahah (nakakatawa now pero nakakaiyak talaga ito noon)! Right now I sitll live in the same area where I was 13 years ago, taga Dubai ako super mahal ang renta kaya ang tanging na-upgrade ko lang is a from bed space naging kwarto ang tinitirhan ko but for a fraction of a price… Kasi yun ang secret recipe ko: KURIPOT ako madalas.

3. Doon naman sa Make Your #Money Work For You. Meron akong few sources of passive income na malaking tulong sa monthly gastusin.

4. Sa pag analyze naman ng #investment na papasukan, nagreresearch and ask around lang ako. Halimbawa nung mag invest ako sa Mutual Funds nagbasa ako about sa Phil Equity at na meet ko pa nga sa isang event si Mr. Wilson Sy, as if kulang pa yun binasa ko rin ang kanyang libro hahaha! Sa stock market naman nag background check muna tayo sa COL. Madalas ko din pagtanungan ang mga friends ko about dito.

5. Make of thy dwelling a profitable investment, dito naman, connected yung sa akin sa # 3, kasi inilipat ko yung residence namin sa less expensive and low maintenance setup. Then ginawa naming paupahan yung lumang place which luckily is commercial area na ngayon. The #opportunity presented itself, so I had to grab it mga kabayan!

6. Sa pension plan naman, proud din ako dito, kasi before may mga nagofffer na sa kin ng 12yr plan na ganito pero tinatanggihan ko kasi nanghinayang ako sa pera at time. Then narealize ko napakadali pala lumipas ng panahon. 8 years ago nagsimula na ako, and this year natanggap ko na ang kauna unahang pension ko, pero hindi pa man ako retiro, kaya ang saya saya di ba! Adik ako dito sa mga pension plans hahahah!

7. Increase thy ability to earn. Learning never stops ika nga, and if you put what you learn into actions ayun werpaful! Every year, basta masipag ako (palagay ko lagi naman) may inaaral akong bagong skills, tapos inaapply ko yun sa trabaho/business para kumita ng extra 🙂

Sa una mahirap sundan, pero pag naging #HABIT mo na, madali na lang mga kabayan!

Eh bakit hindi pa ako umuuwi ng Pinas? Kasi may pamilya na ako dito, at madami kaming tinutulungan ng pamilya ko which is mas madali pag nandito kami sa Dubai 🙂

Baka may maituro ka rin sa aking technique, i-comment mo naman, or add mo ako sa Facebook, usap tayo!

I am always willing to learn. Salamat in advance Kabayan!