[Real Story] Taking the First Steps

Another shot of inspiration for you!

Time to pick up real practical lessons from a person who experienced the struggles of starting to invest and now is more determined to fulfill his dreams.

Be inspired!

More importantly, take actions to materialize that inspiration!

Have fun investing!

***

The Story of  Ken Ivan Embradura

When I finally joined COL last October, there was this huge sense of accomplishment emanating deep within myself. I'm finally taking charge of my future and reading and rereading Bro Bo's book "My maid invests in the stock market" only helps to cement my decision. However, it took me almost 2 years to get started. I have been a member of Bro Bo's Kerygmafamily Forum since 2006 and made some great friends and on 2010, someone started a new thread entitle stock investing going on by the name of john316. I read through several posts but felt like they were speaking a different language. Also, when I looked at COL's requirements to start an account, I felt like I couldn't be bothered because you had to have your ID authenticated by the Philippine Embassy and I lived about 2 hours away from there. Small excuse right? However, there was this huge fear within me because I've heard all sorts of horror stories regarding the stock market.

It wasn't until last August when we went back to Phils that I got a copy of Bro Bo's book MMITSM. After reading it 3x, I thought this is it. For some reason, I didn't feel scared anymore because I trust Bro Bo and I knew that if I joined TRC [Truly Rich Club], I would get help and have a bit more idea about the stock market even if it's at a snail's pace. 

I sent the requirements through regular post to the Philippines but even after 1 month, it still didn't arrive at COL's office. I called COL and they advised that I send another one but this time through courier. 

Now it's really important to have a clear goal in mind when starting anything as it helps you a lot when you're feeling down or don't want to continue anymore. 

It reminds you of why you started doing it in the first place. 

For me, it's for my financial future but it goes deeper than that. 

I have read in bro Bo's book that because many people don't save when they were still young, the money they get after they retired will only last for a few years and maybe more. What if you're still healthy but then because you're not working anymore and don't have any money you have to depend on your kids. 

I don't EVER want to hear my kids saying to one another "Oh ikaw muna ang magbantay kay papa. Ang dami nyang gamot at nauubos na ung savings namin" or at least something to that effect. 

I also started to make a daily note of how much money I spend everyday so at least I know where my money goes. If you have an Iphone, you can download an app for that and it makes it so much easier. 

I started to cut down on buying Lacoste tshirts, ps3 games, Nike shoes and set up a fortnightly budget for myself. 

At first it wasn't easy doing all these and I'm tempted to go back on my ways but I read and reread my goal and it helps little by little. Nowadays, I can see a new shoes from Kobe at the mall and I wouldn't feel anything where as before, I'd definitely buy it right then and there. 

I also made a decision to keep on putting up funds every sweldo. During the first month, I was a bit sad because most of my portfolio was still red and I didn't really know why. I asked a lot of questions in this group and thank goodness the people in this group really have a genuine desire to help us newbies. 

My portfolio is looking better now but I know I still have way MORE to go in terms of acquiring knowledge about the stock market.

For all those who are still a bit hesitant to invest in the stock market, take the leap. 

You have to start somewhere right? 

It's no good waiting until all your ducks are lined up before you start shooting them. Ask lots of questions. We have all been there at the beginning right? Before we become experts, we are novices. 

Write down your goals so if something happens and makes you feel discouraged, read it again and again so that it will remind you of why you started investing in the first place. If your stock is losing money, make a plan like until what percentage would you be willing to lose money or would you be willing to hold it in as you believe it will grow in the future. 

Finally, everytime you add funds don't just buy for the sake of buying. It's important to have a buy below price so you can maximize your profits and don't just buy for the sake of buying. Have some cash reserves so that when the market is really going down, you can buy heaps of stocks at bargain prices. 

Happy investing everyone!!!

***

PS: For more inspiring stories, you can check our Stocks, Soups & Stories page. You may also want to share your own story too!

PS2: For beginners, download your free copy of My Maid Invests in the Stock Market... And Why You Should Too. Click here to download!

PS3: If you're just starting to invest, download this practical ebook to guide you in every step of the way - Investing in Philippines Stock Market for Beginners!

You can  also check the strategy of Truly Rich Club of investing in this sample Stocks Update - Strategic Averaging Method!

Using Tip1 - Have Your Reserve Cash

In this blog I'll share an actual example of the use of our first tip - the importance of having some reserve cash.

You can read about our TIP 1 here.

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Last week, specifically Jan 23, I saw MPI going down by more than 3% in one single day.

It opened at 4.71 from its previous close of 4.91.

Now, that seemed quite an unusual correction for me.

So being aware of our first tip, I took advantage of the opportunity to buy it at that cheaper level.

Not really  much - only 4000 shares at 4.76. 

I used BPI Trade which is my online broker dedicated for those kind of opportunities. 

(Do you know that BPI Trade sends confirmation emails right after your order is matched?)

In effect, that consumed around 30% of my total reserve cash.
Why only 30%? So I can also be ready in case MPI gets lower.

Fortunately, the day after that, MPI bounced up. 

On Jan 24, it opened at 4.80.

Following the strict rule of our first tip, I immediately posted a sell order which eventually was matched. 

I was able to sell at 4.92 after it achieved its highest for the day which was 4.93.

Note that I didn't care if MPI would still shoot up after I sold. 

At that moment, the important thing to do was to get back the reserve cash while getting some profits. 

That way, I could be again ready with future market opportunities.

So in that single day-transaction, I was able to have 3.36% less transaction fess.

Just a  few bucks actually, but hey, it's still money, right?!

And that's what our featured tip is all about!

Have fun investing (with your reserve cash)!

PS: Right now, if you're following Truly Rich Club recommendations, only FPH and MBT remain below its Buy-below-price.
Whew, stocks are rocking on this first month of the year!

You can take a look at its current strategy - Strategic Averaging Method (SAM) here!

PS2: For beginners, download My Maid Invests in the Stock Market... And Why you Shoud too!

[FAQ] Seeing losses even if the average price is lower than market price

Here's one question I saw from our facebook group:

For COL users, may tanong lang po ako about avg price.
Bought PGOLD @ 32.90. Showed Average Price @ 32.9971 (because of the charges)Now market price is @ 33, which is greater that average prcie @ 32.9971and still registered as -0.79% loss?? Alam nyo po kung bakit negative parin even though Avg Price >MArket Price?

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The answer is that the new COL Financial website already shows you the exact NET amount of money you'd receive if you decide to sell any of your holdings at any time at their respective prevailing market prices.

That means the gain/loss column data already reflects all the selling charges, fees and taxes in case you decide to sell it. And it is because of these charges during the selling assumption that make the loss value even though the market price attained a level bigger than your average price.

I guess the key point to learn here is that while the gain/loss reflects these selling charges and taxes, the average price shown doesn't. 

You can read the discussion thread here to learn more insights.

I tried using my computation excel tool and it also displays the same data with COL.

You can download your own computation tool here so you can simulate your gain/losses for various selling prices. This way, you'd actually know if you're really gaining or not!

Have fun investing (knowing where your money goes)!

PS: For beginners, download Bo Sanchez' My Maid Invests in the Stock Market and Why You Should, Too![PDF]

Click here to download your FREE copy!

PS2: If you have other questions that trouble you, you can email it to pinoyinvesting@gmail.com and I'll see if I can be of help!
Happy weekends!

[Article] It is dangerous to be a sheep - by John Mangun

Just sharing this insightful article by John Mangun taken from Business Mirror.

***

‘THE sheep pretend the wolf will never come. The sheepdog lives for that day.”

The Philippines stock market has been one of the best global performing markets during the past two years. There are many factors that will push prices higher in 2013. The Philippine Stock Exchange index above 7,000 by year-end is probable.

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However, there is a disturbing trend that has been going on for two years that seems to be accelerating. It is rooted in the premise that the stock market will continue to go higher and higher and give higher and higher returns. The trend I am worried about is the belief that the stock market is a sensible investment vehicle for everyone.

Granted, a person can invest through a managed investment program, such as mutual funds, and these funds do help reduce the risk. But there is always a downside risk.

There is an old stock-market saying that when the shoeshine boys start investing in the stock market, that is the time to sell. While there may not be many shoeshine stands left, there are a variety of lower-income individuals who are being encouraged to put their excess money in the market. Is it time to sell when the domestic helpers are investing?

The sheep pretend that the wolf will never come because they are told not to worry about the possibility of a wolf.

The Hong Kong stock and commodity markets were hot in the early 1990s. Prices more than doubled in two years. Prices tripled in less than four years. The only topic of conversation upon getting into the taxicab was “The Market.” Yet from January 1994 to the end of that year, the market lost nearly 40 percent. During the 1997 Asian financial crisis, the Hong Kong stock market dropped more than 50 percent. More recently, that stock market fell almost 60 percent from 2007 to 2009.

The taxi drivers probably did not get caught in the last downturn; they decided not to be the sheep of the stock exchange.

Investors must understand that the stock market operates in a very real sense like a pyramid scheme. That is, investors that buy into an issue early are able to profit because of buyers later in the game. There is nothing wrong with that. All buy low and sell high in every business works that way. The first investors who started selling pearl shakes made a fortune; the ones who opened stores a few years later probably lost money. However, you do not want to be the last one in on a fad or the last one buying at the stock-market price top.

The argument to the less sophisticated investor is always going to be that professional management will protect your investment. That is not a guarantee against losses, even large and potentially fatal losses. The Black Swans can always fly, and when they do the results can be disastrous.

Black Swan events are high-profile, hard-to-predict and rare events that are seemingly beyond the realm of normal expectations. But that does not mean that Black Swans are totally off the chart as to the possibility of them happening. The key is that they are hard to predict and the results are equally difficult to forecast.

The Mount Pinatubo eruption was unpredictable but had virtually no impact on the stock market. But what would happen if there were a major earthquake in Metro Manila? No amount of professional investment management could protect stock positions from that situation.

Highly unlikely, but a serious attempt to overthrow the government as happened in 1989 might drop prices by 50 percent within days.

Things could get militarily out of hand quickly between the Chinese and the Japanese or even involving the Philippines, and potentially the US. How fast and how far would stock prices fall?

Every sensible economist knows that at some point, the US debt situation could cause a collapse in the value of the US dollar. The operative word is “could,”  but it has happened before in living memory and no one knows exactly what conditions would have to come together to make that happen again. But we have seen it before in 1997. The Philippine peso closed at 26 to one US dollar on Friday and by Monday, the rate was 36 to 1 or 35 percent lower in value. Stock prices lost 40 percent in one month.

The sheepdog is prepared for those events by understanding the potential for loss. The sheep believes it will never happen.

****

E-mail to mangun@gmail.com. My web site is www.mangunonmarkets.com and Twitterme@mangunonmarkets. PSE stock-market information and technical analysis tools provided by COL Financial Group Inc.

***

Gee, that sounds scary.
All of a sudden, I got nervous thinking about that black swan possibility. 

I'm guessing now where that swan is swimming right now HAHA.

That why I really see Stocks Alert of Truly Rich Club very helpful. This is the way of the club to give relevant important market updates to the members each time they need it. And that is my way so as not to worry so much about thinking how to protect every peso of my investment. I let the people who monitor the market all their lives do their thing and leverage on it. 

And me?

Resting under the shade of a coconut tree watching the setting of the sun in a yellow-orange sky while sipping fresh buko juice in a tall glass with a tiny umbrella.

Cool dream, isn't it? =)

Have fun investing (with your peace of mind)!

PS:In case you have not yet received the news, there's a new stocks alert from the club about AP.

Stocks Alert: Sell APWe believe it’s time to sell AP (Aboitiz Power).
Not because it reached our Target Price (it hasn’t), but because we feel the growth moving forward will be slow.   Don’t get me wrong: AP is a fantastic company, and long-term, it’s very good.  It just has someshort-term challenges that it has to face.
You can sell AP and buy the other new companies we recommended, such as AGI.Mike Vinas will talk more about this in the next Stocks Update.
May your dreams come true,
Bo Sanchez

If you want to get timely market updates such as this, stocks updates, wealth strategies and other materials to help you multiply your blessings so you can really aim and go for your ulimate life purpose and dreams, join the club here.

Try it out with its 30-days money-back guarantee!
Click here to see for yourself!

Eight Golden Investing Lessons I Learned in PSE Bull Run 2013

Yesterday was my first run for the year! And my first 10k too. 

Poor me, I just prepared for it with a single run last week. And now my knees continue to twinge haha.

But the run not only gave me that light awesome feeling after every physical activity, it also made me realized some running lessons we can certainly apply to investing!

Read on if you want to run your investments!

1. Set your goals.

10k distance was my goal. And because it was clear to me, I knew at first what to expect. Obviously it's a different set of expectations I had when I first ran for 5k. In other words, goals set my clear direction.

This has been said many times. You need to plan in just anything you want to accomplish, and planning is started with goal-setting.
Did you really sit down and spend even 15 minutes to plan your goals this year for your investments?

2. Assess your condition.

I had to check myself first if I'm physically fit before taking that plunge. 

After all, it's no easy task. The first and last time I ran for 5k, I was almost faint at the end.
What more with 10k, I pondered.

In the same way, are you financially ready to buy your first stock?
Do you have your emergency fund ready?
Did you pay in full all your debts?
Can you sustain your monthly investments?
Assessment is important so you can adjust and not get disappointed along the journey.

3. Know your path!

We had a map to show us the right directions.
But that was only made after the starting and end points were established.

With your goals written, and your current standing at your hand, it will now be easier for you to draft your path.
Are you going to be an investor or a trader?
How much involve you're going to be in your investments? Will you have your mentor?

4. Act!

Unlike my first 5k run where I tried it to finish in the least amount of time, I decided to take this run slowly but consistently. I proudly finished it with 1hr and 15 minutes!
And I'm happy to think that I'm in the above 50%. J 

You see, for me to finish it, I had to continuously step my foot forward one after the other.

Many are enticed to enter the stock market but few manage to get it real. 

Clarity gives power! And there's this sense of clarity you get when you put yourself in motion.

Are you confused with your questions?  Don’t know much about it? 

Take the first little step. It will give you peace. J

5. Get hydrated!

Throughout the race, I obviously got tired exhausting every joule of my energy!
Good thing there are water stations along the route to get me back on track! The temptation to stop immediately vanishes!

You'll get tired too after putting some time into your investments.
You might see it boring that would bring out the impatient person in you. In those times, simply get yourself recharged and hydrated.
Have your constant inspiration flowing into your life, and you'll be back in your senses in achieving your goal.

6. Learn from others!

The fact is that I was not the only runner in the race, in the same that you're not the only investor in the market. Keep learning from others and it will surely pay-off in the future.
As one man once said, a conversation with a wise man is worth a thousand books!
Wow! That's a bang for book-lovers like me.

You can join our discussion forum here where everyone learns from others.

7. Monitor your progress

I think what I enjoyed most in the run were the points where I saw progress in my distance.
We started in the start lane, then I saw the 1k accomplishment sign.
I was looking for every kilometer sign thereafter, but I was surprised to see the 7k sign right after, followed by the 9k, and lastly the finish race. 

The 9k sign is actually the most memorable, as it's a sign that one last kilometer and I'd finally achieve my goal.

Monitoring your performance and seeing your investments growing similarly gives a sense of fulfillment. Be sure to savor it! Record it and you can be proud to your children sharing it with them. :)

8. Have fun!
Finally, I always end my post with the phrase "Have fun investing!"
I just realized in life that you need to have fun doing something if you want to keep doing it!

Same with the bull run, I had fun running a new route and going up and down that long flyover from BGC going to Buendia crossing EDSA. That was my first time to see EDSA directly at the center above the road! :)

How do you have fun investing?

Make your own ways. Enjoy your profits! Reward yourself with your good management of your finances. Share your stories too as you inspire others. Just define 'fun' in your own terms, and you'll learn the habits of a successful investor.

There you go!

So the next time you visit your investments, take your physical run first!

It might give you golden lessons how to grow it!

Keep running your investments!

Have fun investing (that runs well)!

 - Omeng

PS: Take advantage of the early bird registration to our Market Outlook on January 19 2013 (9AM-1PM) at Max's Gateway Cubao.! At 597 fee, you'll hear three speakers in one!

The program is jumpacked with helpful content ranging from personal finance planning in the context of investments, market review and outlook and a closer look and examination on a sample model trading plan. We'll also take a peek at COL Model Portfolio, Truly Rich Club's SAM, and strategies for a more active trading!
Few remaining seats left so email your reservation to pinoyinvesting@gmail.com now!
For more details click here!

PS2: For beginners, download your free copy - My Maid Invest in the Stock Market... and Why You Should too! Click here to get your copy!

PS3: My records below! Not bad! :)

Is the PH stock market going to crash soon? by Henry Ong

Is the PH stock market going to crash soon?

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Question: Many are optimistic that the stock market will continue to be bullish this year with the index likely to reach an all-time high of 6,500. While this is definitely good news, I am beginning to feel uncomfortable as share prices are already very high. I am not sure if I should buy more or start selling at the current level. Can you advise me?—Gigi F. by e-mail

Answer: If you want to take advantage of the current bullish momentum, you can trade for short-term gain by buying one of the most active stocks and sell it immediately as soon it makes a profit.

This is actually fun but it be can be risky. If the stock fails to move up as expected, you may have to sell it at a loss to recover your cash at once. If you choose to hold on to it in the hope that the stock will improve later, you may risk losing more if the stock suddenly takes a sharp fall.

While it is true that the market enjoys strong economic fundamentals and liquidity flows, the potential for further upside at the moment may be limited as stocks have become expensive by Price-to-Earnings (P/E) valuation.

In fact, the Philippine market, which has market P/E of 19x is relatively more expensive than Singapore or Hong Kong, which has market P/E of only about 12x. To justify the current share prices, corporate earnings must demonstrate exceptional earnings growth to bring down P/E valuations.

If you are deciding whether to buy or sell, consider analyzing this from a risk and reward ratio. Let’s assume the market falls from its current level of 6,055, the immediate support would be 5,866, which gives a 3.1-percent loss. If, on the other hand, the market continues its uptrend and the first resistance is 6,130, you will get 1.2 percent return.

If the probability is high that the market will stop at 6,130, it may not be a good idea to buy at this point because you will risk more in order to gain. It will be wise to start taking profits on some stocks, especially those that have become expensive and invest the cash proceeds to cheaper stocks or simply keep it at the bank until another opportunity arises.

If the prospect of further upside is limited, does this mean that the market may crash soon?

Not necessarily. It only means that the current uptrend may be reaching its terminal phase because share prices are trading well above their underlying values caused by market traders who are bidding shares based on overly optimistic earnings assumptions.

The index must eventually correct itself by falling to levels acceptable to the market. It can fall by as much as 10 percent over a period of time.  Corrections are inevitable. What goes up must come down.

In a bull market scenario, any price dip is considered temporary because you expect the stock to recover again. In fact, it is during this time when you take the opportunity to buy back stocks at a lower price for another market run-up. However, if the trend has reversed, any share price rally will be minimal and the selling will continue and possibly accelerate the market downwards.

Do you know that a bull market lasts for three to four years? Our current bull run actually started last March 2009 and it will be celebrating its 4th anniversary this March 2013. Could the end of the bull market be near?

No one knows when this will happen but there are signs that the market is ripe for massive correction. Do you see more of your friends now talking about stock market than in the previous years? Do you see people discussing about stocks more than usual at Facebook, Twitter or online forums? Do you hear radio and TV shows discussing about opportunities in stock market more often than before? Are newspapers featuring stock market news or stories on the front page? Are brokers and fund managers making bold forecast that the index may reach 7,000 level this year?

As more people talk about making money from stocks, more people will get into the market hoping that they will also make a fortune. As buying of stocks increases, people will be chasing stocks and drive share prices above their intrinsic values. Market psychology will tell you that this could be a sign that the party will be over soon.

This is the best time for you to assess your portfolio and evaluate your positions. You may have to reallocate some of your stock investments into other assets for the moment as you wait for the market to correct.

Yes, you will probably feel some regrets as you say goodbye to your favorite stocks for now especially if you see the stock continue rising after you have sold it. There is no way you can catch the market top and maximize your profit. Start selling gradually. Sell while it feels good.

Do not wait for the market to fall before you start selling. You may not be able to sell it at the price you want because you will be rushing to sell down for fear that the share prices may go lower.

Just like the perfect punch that knocked out the “Pacman,” it only takes a single bad news to knock this market down so be careful and watchful.

Henry Ong is a registered financial planner of RFP Philippines

Source: Inquirer Business - 01/10/13

PS: For beginners, download your free copy - My Maid Invest in the Stock Market... and Why You Should too! Click here to get your copy!

Questions from a new investor

Here's one conversation I saw worth sharing for beginning investors. 

You might have lots of questions similar to questions asked below so check out the answers from Aya himself.

Enjoy your lesson for the day!

Have fun investing (with a clear mind)!

- Omeng

PS: Download your free copy of Bro Bo's My Maid Invests in the Stock Market by clicking here.

PS2: Today is the last day of payment for the super early bird registration to our Market Outlook on January 19 2013 (9AM-1PM) at Max's Gateway Cubao.! After this the 497 incredibly low fee will increase to 597, then to 697. 

The program is jumpacked with helpful content ranging from personal finance planning in the context of investments, market review and outlook and a closer look and examination on a sample model trading plan. We'll also take a peek at COL Model Portfolio, Truly Rich Club's SAM, and strategies for a more active trading!

Few remaining seats left so email your reservation to pinoyinvesting@gmail.com now! 

For more details click here!

Are you a fan of Bo Sanchez?

Are you a fan of Bo Sanchez?

I am. In fact I consider him as one of my mentors.

I also attend the weekly gathering of his community Light of Jesus. If you're single and living near Quezon City, I invite you to our Singles Ministry in Quezon City Feast.  The Feast has been my weekly overdose of inspiration and wisdom to go on with my life. Many times I am too inspired by what I witness there that I often consider entering priesthood … but that's a totally different topic.

I like Bo primarily because of one reason - his sincerity. Reading his stories is like unfolding my life. He always tells that his failures are the reasons why he's now very successful. Fail forward as he puts it. It's the same reason and motivation I have why I'm now less fearful with going beyond my comfort zone …slowly I'll get there, with God's grace.

That's why it's not difficult for me to promote Bo and all his activities. I bring friends to the feast, I share reflection about the talks, I buy his books, listens to his MP3s, reads his soulfood emails, attend his gatherings and join his clubs. Sometimes I earn tiny commissions from it too.

Being a TrulyRichClub member for example, I am automatically given the opportunity to earn tiny commissions for every referral I have. But I won't like you to focus on the commissions. While it can be a passive income that can grow through time, I more want you to experience the core blessings of being a member of the club.

In my case, with the mountain of lessons I learned, I commit to have my own business and other several income streams. The story of Anthony also inspired me to reach my financial freedom goal so I can be freer to do the things that really matter to me.  And I know that the club which answers all the practical needs in managing one's finances is a big tool for me at this hard-planting season of my life.

So if you're a fan too, you can do the same. Promote what you believe and earn a little from it.

Here's how to do that.

First you would need to join one of his clubs. By joining a club, you'll get your affiliate link that will be your gateway to an opportunity of passive income. People who'll click your affiliate link will be directed to the club site. When they join, you'll be entitled to the tiny commission because of your referral. What's better, you've also just helped a person help himself!

But please don't promote just for the sake of promoting. Aside from its not sincere, it's also unhealthy. Promote because you personally believe in the product. So join first the club and experience it yourself. If you like it and want others to have the same satisfaction you would have, that's when you share the blessings of the club and invite others to join you in your financial goals journey.

Bo has several clubs that address a focus aspect of life. He has Family Reborn Club for having an awesome family life, 52 Healing Habits Club to help you heal yourself naturally, OneTrueLove for those who are searching for their soulmate, God Whispers Club for those who want to experience more of God and Truly Rich Club for those who aim for an abundance of life to love others. And since this is a finance blog, I naturally point to the Truly Rich Club. That's your ultimate source of practical source of tools and inspiration if you want to increase your psychological wallet and your physical wallet later on.

Btw, here's my affiliate link. So if you want to bless me because I'm so kind to you , you can click the link and unlock the missing pieces in your financial freedom journey.

Once you have your actual experiences as a member of the club, you can now tell your friends about it. You can also share a blog about what you liked most about it and how it continues to transform your life. You can read my own review of the club here.

But just to give you a preview, here's what you can get just by signing-up:

• Day 0 - How to Conquer Your Goliaths  - 7 Keys to Overcome Every Problem That Prevents You From Reaching Your Dreams (E-book)
• Day 0 - My Maid Invest in the Stock Market (full version E-book)
• Day 0 - SAM (Strategic Averaging Method) Quick Start
• Day 0 - Stocks Update - Meet SAM
• Day 0 - Truly Rich Seminar Disk-1
• Day 0 - Truly Rich Seminar Disk-2
• Day 0 - How to Turn Thoughts Into Things - Use the Law of the Harvest to Fulfill the Desires of Your Heart (E-book)
• Day 0 - You Can Start Buying Slowly - Stocks Investing Guide

Money-back Guarantee

It also has 30-days guarantee. That only means if during the first month of your membership, you didn’t find the material you received a powerfully inspiring Wow experience, then simply tell the club about it and the will return your money.  No questions asked.  And you can keep all the great stuff above you received (worth $251.50 value) as Bo's FREE gift to you for just trying.

So, are you fan?

Have fun investing (with a mentor)!

 - Omeng

PS: If you're now investing in the stock market, the club also gives regular stocks update and alert to guide you in every step of the way. You can learn more about these stocks update and alerts and how it can help you simplify investing here.

Revealing our third speaker - Charmel Delos Santos

Completing our exciting line-up of speakers, Charmel Delos Santos-Marcial is the author of a book on stocktrading for women "High Heeled Traders".

Just a short background.
Charmel started her career as a business analyst and worked in information technology for 15 years. After investing in Australian and New Zealand real estate, she traded shares and options with little success but continued to work through the lessons, finally getting breakthrough after taking advanced trading courses and workshops with Van Tharp Institute and changing her trading style to “trade as a woman”.

Her current focus is protecting assets and generating income using stocks and options. She is based in Sydney and currently mentors women investors via the great internet and investing programs in Qatar and the Philippines. She is also a member and fundraiser of the United Nations Women National Committee Australia.

Check her site at http://highheeledtraders.com/.

You can also watch her interesting Money Story in this episode of ANC's On the Money.

Video link

Know her strategy on January 19!
Email your reservation to pinoyinvesting@gmail.com!

Have fun investing!
- Omeng

PS: Few remaining seats left! It's very probable that the registration might close on Wednesday once all seats are occupied.
Email your reservation to pinoyinvesting@gmail.com now to secure your slot.

More details about the seminar here.