Monthly Archives: February 2013

Complete Pesos and Sense Season 1 Youtube Links

27 Wednesday Feb 2013

Posted by in Personal Financing, Stock Market

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pesos-and-sense-2

Learning about investing can be done through reading and Watching Videos.

I have informed you before that I am part of the Facebook group called TGFI (The Global Filipino Investors ). The group members is helping me to learn new things about Stock Market as well as importance of insurance. Today I have seen a collection of Youtube links for Pesos and Sense headed by Aya Laraya. I would like to give credit to Khristian Santos (TGFI Admin) for his research for this videos.

I believe that the below mentioned videos is a must see for newbies and those who are starting to invest.

Episode 1: Stock Market

Part 1 Part 2 Part 3 Part 4

Episode 2: Mutual Funds

Part 1 Part 2 Part 3 Part 4

Episode 3: Insurance/VULs

Part 1 | Part 2  Part 3 | Part 4

Episode 4: Scams

Part 1 Part 2 Part 3 Part 4

Episode 5: Starting Early

Part 1 Part 2  Part 3 Part 4

Episode 6: Budgeting and Personal Finance

Part 1 Part 2 Part 3 Part 4

Episode 7: Understanding Credit

Part 1 Part 2 Part 3 Part 4

Episode 8: Aya’s Investment Diagram

Part 1 Part 2 Part 3 Part 4

Episode 9: Long Term vs. Short Term Investment

Part 1 Part 2  Part 3 Part 4

Episode 10: Insurance 2

Part 1 Part 2  Part 3  Part 4

Episode 11: OFW Investments

Part 1 Part 2 Part 3 Part 4

Episode 12: Social Cost of Investing

Part 1 Part 2 Part 3 Part 4

Episode 13: Diversification

Part 1 Part 2 Part 3 Part 4

Credit for Video and Image : http://pesosandsense.com/

Please Report any Broken Links and let me know your thoughts about the video.

Invest and Get More Source of Income To Increase Your Giving

13 Wednesday Feb 2013

Posted by in Daily Dose, Personal Financing

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Invest and Get More Source of Income To Increase Your Giving

Increase Your Giving

A pleasant day to all our readers, I Just want to give all of you some insights about investing and giving.

From the time I learn about Financial Literacy and Investing, I make it a point that I will NOT stop being generous to those who are in need. I believed that when I give, I am also investing, because this is what the bible teaches us. We need to understand that we don’t have to be ruled by money but instead we have to rule our finances. That is why giving is always in my formula.

Salary – Giving (Tithing) – Investment = Expenses

I want to share you what I have read from Rich God Poor God book of Ptr. Chinkee Tan;

Sixteen of the 38 parables deals with possession and money. The Bible has 500 verses both on prayer and faith but more than 2350 verses on money and possession. There are more than 2,350 verses on money and possession. there are more verses that relates to money and possession than heaven and hell combined.

So money must be important that is why it has been given emphasis in the bible. Lord want’s to warn us on not to be controlled by money.

I believe that even you have lot’s of investment and you know your action plan in investing but you fail an important thing which is to give, you will not succeed. I also believe that I need to start investing and get more sources of income so I could start giving more. Not only to my family but also to other people who will be in need.

I also believed that we are being blessed so that we can bless others. Whatever faith we have, I believe that giving is a general teaching that all people should adhere.

I also believe that poor people will have a hard time to give because they don’t have source to give, we can only give if we have something to give. Motivational speaker like Zig Ziglar, Robert Kiyosaki, John Maxwell and more also teaches that giving is important in our financial life.

Believe that everything on earth is from God as mention in Genesis 1:1, And Our God is able and willing to bless us more to increase our habit of giving.

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Picture Credit : stleodegarshunston.co.uk

How to Start Investing?

09 Saturday Feb 2013

Posted by in Daily Dose, Stock Market

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This is the same question that I got one year ago, when I saw a blog post and Facebook group comments last year.

I started investing in Stock Market about a year ago. If you do not know how to start stock market better check my post on “How to Start on Stock Market”. Starting in investing is all about mind setting, you have to make a mindset that there is no business without risk and if you don’t want to take risk you cannot gain.

There are lot of ways to start in investing and it depends on your risk appetite. If you are not a risk taker and you do not have any mentor or you are lazy to study on how to invest, I would suggest starting in mutual fund. In mutual fund there will be a fund manager who will take care of your finances. They have the full discretion on where to put your money. By the way Mutual Fund is not a risk free investment. But risk is lower than going to stock market by yourself.

You may also check your banks for UITF (Unit Investment Trust Funds).

As of now I don’t have any investment in Mutual Fund but I am planning to take a mutual in the future as part of my diversification. It is a decision, to do it by my own for the mean time that is also the reason why I made an account with COL Financial.

I have also read a lot of book saying that an emergency fund (3 to 6 months equivalent of your monthly expenses) needs to be establish first before investing as well as insurance coverage. But as of this time, I have not made any insurance which I also plan to take this year.

As a start, I make it a point that I have updated my SSS and my other small insurance coverage.

I am considering my Stock Market Funds as my emergency fund since it is a liquid investment that I can take out anytime in the future if need arise.

As a new investor or would be investor you need to change you financial formula from:

Income – Expenses = Saving Investment

to

Income – Tithing – Savings & Investment = Expenses

I believe that we need to give our tithes for the work of God’s ministry in the earth. I always believe that the bible is the source of information about investing. It is also what Zig Ziglar, Robert Kiyosaki, Bo Sanchez, Chinkee Tan and Other known book author believe.

I also suggest joining forum, Facebook group for mentoring purpose. There are lots of Facebook group who have very helpful members who are there to answer you basic question for free. And don’t forget to join our mailing system for you to be updated on our post. I am planning to be more active in writing on this blog.

PHILIPPINE BUSINESS BANK IPO

07 Thursday Feb 2013

Posted by in Stock Market

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I just want to share you that I have been included in COL Financial raffle for IPO of PBB. I have received the following email today.

Please be informed that we have allocated 500 shares of PHILIPPINE BUSINESS BANK with the amount of PHP 15,750.00. We have debited your account accordingly. Thank you. COL Financial Group Inc.

It feels good to be included from the 151,200 shares that was raffle out from COL..I came to know that there are lots of investor in the Facebook group where I belong that received a regret letter from COL Financial. But for the newbie in stock market, you might be asking on what is IPO? IPO means Initial Public Opening. In the normal scenario, buying IPO stock is always buying bargain stocks, but there are also time that upon completing the IPO, the value of stocks goes down. Take for example on what happen when Facebook have it’s IPO, it was first in the rise then suddenly it fails lower than IPO. In the local market, it also happen to CAL (Calata).

I have also taken the following report from DA Market Securities Inc.into consideration, when I made my request to be approved for this IPO as follows:

At 2011 actual EPS of 2.17, the P/E will be at 14.5x. However, using trailing 12 month EPS or 2012 est. EPS of 2.39, P/E is at an improved 13.2x.

After the offer, Book Value (BV) will increase to 21.58, translating to a Price-to-Book Value of 1.46x

Considering improved market conditions and optimistic outlook on the industry’s growth momentum, the company lists at an attractive valuation. Recall that EW listed in April 2012 at a price of 18.50/share, and using 2011 actual EPS of 1.54, the offer was at 12x P/E. BV 13.72, 1.34x PBV.

Later I will report the result of this investment. And I hope it will goes up.

The Tentative listing date will be on February 19, 2013. I hope I made a right decision in getting PBB IPO.