How to make over-the-counter deposit to fund COL trading account

How to make over-the-counter deposit to fund COL trading account
Here’s another question from a reader about funding your COL trading account via over-the-counter deposit in a bank.
good evening sir...i would like to ask if i need to open an account with metrobank if i intend to enroll in col's EIP through over the counter payment...because the only available bank in our locality is metrobank...i would like to be clarified regarding the process of funding my col account through metrobank's over the counter payment and can i ask the corresponding charges the bank applies..thank you
Here’s the reply
The answer is No.
Just use their bills payment deposit slip and follow the instructions as stated in COL's website. There should be no charges to apply.
Whatever amount you deposit will be fully reflected in your portfolio balance. :)

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To make life better for you, things will be a lot more convenient if you have your own Metrobank account and enroll it in their online banking. In a matter of clicks, you can fund your COL trading account very easily.
No deposit slip, no writing, no effort to go to a bank, and fall in line for your turn. Time is important than money, right?!

Have fun and millions investing (conveniently)!

PS: For beginners, download My Maid Invests in the Stock Market Market… And Why You Should, Too – Free Download

PS2: Have your other questions? Get them answered here
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What is EIP and uncommitted shares column in Citiseconline (COL)

What is EIP and uncommitted shares column in Citiseconline (COL)
Here’s a feedback question from one of our readers regarding Easy Investment Program (EIP) investing strategy of Citiseconline.
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Hi sir!
Kumusta?
I have been following you thru your FB page since few months back.
I would like to personally thank you for unselfishly sharing Your knowledge about the stock market. Malaking tulong po lalo na sa beginners like us.
I am actually a member of truly rich club also :) and have started investing in the stock market last may2011. :)
May question lang po ako, baka masagot nyo ako about column ng EIP SHARES and Uncommited shares.
Initially EIP talaga ung mode of investment namin, but since member kami ni mister ng TRC ni Bo S, may times na bibili kami ng stock kahit hindi pa schedule ng monthly EIP namin,
Napansin ko na may option to CLICK "EIP" dun sa terms, pero minsan nakakalimutan namin i-click, kaya napansin ko hindi malalagay sa EIP SHARES yung mga binili namin,
Tanong ko lang if ok lng ba yun? Kahit wala sila dun sa EIP Column?
Ano ibig sabihin ng uncommitted shares?
Salamat in advance. GODBLESS


Here’s the reply:
Hi,
even if di sya napunta sa EIP column, it should be the same so no problem with that.
treat EIP as more of a label lang to help you track your EIP strategy, because you can actually see how your average cost moves with this strategy.
but with or without it, the value of your total portfolio is not affected by this labelling.
Secondly, uncommitted shares simply means number of shares na hindi mo binebenta (meaning walang pending sell order sa kanya)
so for example may total 1000 shares ka, then nag put ka ng isang sell order with this stock na 300 shares, then that 300 is considered committed.
the remaining 700 is uncommitted.:)

hope this helps.
thanks for your kind words!
may the good Lord and God bless you more!
***
Have fun and millions investing!
PS: For beginners, you can take advantage of this webinar (a recorded seminar in the web) by COL Financial giving you an introduction into the stock market, some info about COL Financial stockbroker company and a highlight of Peso-Cost Averaging in which EIP rests. Grab it now!
PS2: For constant real-time updates, like us in Facebook and follow us in Twitter!
PS3: If you have other questions or concerns you want to get answered, you can send them here.

How to open an online stock trading account in Citiseconline (COL Financial)


Opening an online stock trading account in Citiseconline is very simple and as easy as opening a regular bank account.

I emailed COL personally to check how to do that, and below is the detailed response showing the steps in opening an online stock trading account if you choose COL as your stockbroker.
If you’re really just a beginner in the Philippine Stock Market, and want be an investor with COL as you’re chosen partner, then just read below and you’ll learn a lot on what an online stock trading account can do to you as an aspiring investor in the Philippine Stock Market. It will also guide you on the step-by-step procedure of opening an online trading account with them and some next actions you can do as a new investor.

You’ll also find in the end a link to the webinar (seminar in the web) that may help you understand more on the COL Financial company, some introduction to Philippine Stock Market, and a highlight of Peso-Cost Averaging strategy.

Grab now and share to your friends!
Have fun investing!

PS: For constant real-time updates, like us in Facebook and follow us in Twitter!
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Good Day!
Thank you very much for your interest in COL services.
To give you a brief background, online trading can give you the convenience of accessing your account through the internet wherever and whenever you want. It affords investors like you a level of independence and control not previously experienced through traditional or offline trading. You can pick and choose stocks online that meet your personal financial goals. You can buy and sell your stocks, access your financial portfolio, and read recommendations on which is good (or not) to buy all at the touch of a mouse.

As a COL customer, you will be able to benefit more from every trade with access to our superior online tools and functionalities with the lowest allowable commission rate in the industry at only 0.25% of the transaction value. We offer a host of online trading and information services, among which are:
· Automated order placement and execution via the internet
· Access to live quotes and other market statistics
· Online portfolio tracker
· Research materials and market commentaries
· Price charting program and Ticker system display
· The Virtual Tycoon - a simulated stock trading environment


On top of that, you can get customer support by calling 6-515-888 or writing to helpdesk@colfinancial.com. And in cases wherein you have no access to the computer/internet, you may ask us to place an order for you. Please note however that broker-assisted calls are charged 0.5% for commission and not 0.25%. Other charges will remain the same.

Regarding your inquiry, here are the requirements needed to open an account and if you feel like you are ready to start your investment plans, all you have to do is open an account with us in just 3 simple steps:
STEP
ACTIONS
DETAILS
1
Fill out the necessary forms and submit it to CitisecOnline business center. · Customer Account Information Form (CAIF)
· Online Securities Trading Agreement (OSTA)
· Signature Cards (2)
2
Submit a photocopy of (1) valid ID issued by the Philippine Government Any of these : (kindly sign twice the clear copy)
· Driver’s License 
· PRC ID
· Passport with signature portion 
· Postal ID
· SSS ID
· Voter's ID
· Company Id with Birth Certificate
*
For non-appearance: 
* Proof billing under your  name or parents name would be needed (APRIL/MAY Bill)
(Note: Address on the Signature Cards, OSTA and presented bill should be consist)
Any of these: ( LATEST BILL )
· Utility Bill
· Credit Card bill
· Bank Statement
3
Fund your account
Minimum of P5,000 for EIP
Minimum of P25,000 for Regular
Funding Options
· Online Banking via Merchant Payment
a. Banco de Oro – www.mybdo.com.ph
b. Bank of the Philippine Islands –www.bpiexpressonline.com
c. Metrobank – www.metrobankdirect.com

· Over-the-Counter via Merchant Payment
a. Banco de Oro
b. Bank of the Philippine Islands
c. Metrobank
*For more details regarding the funding options – visit our online FAQs at (www.citiseconline.com) or email us so that we guide you through this process.

For the submission of the application form, it is a mandate from SEC that all forms must be original and signed.

Requirements such as the billing statements can be scanned sent via email however for application forms, they are treated as contracts between the investor and the stockbrokerage firm therefore we would really need the signed hard copy. The good thing is that this is a one-time procedure for account opening, the rest of your transactions can be online or via banks for your deposits.

Our office address is:
C/O Sheryll Zulueta
COL FINANCIAL GROUP, Inc.
2403-B East Tower Phil. Stock Exchange Center
Ortigas Center, Pasig City
To open an Easy Investment Program account the minimum initial deposit is P5, 000 and a Regular account has a minimum of P25, 000. There is no transaction fee in opening an account. 100% of your deposits will be credited to your account for your investments.

If you want to learn more,  here's the link to the online web seminar "BASIC STOCK MARKET INVESTING WITH THE COL EASY INVESTMENT PROGRAM".
A soft launch of the first COL online investment seminar that includes the following topics:
- Finding Your Financial Goal
- The Value of Savings
- Introduction to Investing
- What is the Stock Market
- The Investment Method of Peso Cost Averaging
- CitisecOnline and the COL Easy Investment Program

This is the link:
http://www.citiseconline.com.ph/webseminar/
To help you get started with COL EIP, please visit the link: http://www.youtube.com/user/COLCitisecOnline for the COL EIP virtual walkthrough.

You may also check our FAQs section under HOME>FAQs>COL Easy Investment Program FAQs for more details on EIP.
Here is our link on youtube on how to buy and sell online.  
I look forward to hearing from you.
 For any questions that you may have, you can email me anytime, I will be more than happy to assist you. 
Thank you and have a great day!
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How to start investing in the Philippine Stock Market

How to start investing in the Philippine Stock Market
How do you start investing in the Philippine Stock Market?
Here’s a nice yet challenging quote from one of the best inspirational speakers of the world:
"It's best to start the discipline of generosity when the amounts are small. It's easy to give ten cents out of a dollar; it's a little harder to give a hundred thousand out of a million." -- Jim Rohn
The quote simply highlights the importance of starting even if you only have small amount of money.
Do you want to give?
Then you’ve got to start now. Don’t wait before you have something big to give. Because from experience, it won’t happen. Or at least it will be a lot more difficult by then.
Those little sessions of giving will train and shape you to solidify your desired habit of giving, until it becomes automatic of you to give more.

Investment_in_the_philippine_stock_market_20
If you look closely, the same discipline applies to investing.
It’s a common scene where one person remains stuck and never starts investing citing the small income he currently has.
What they don’t realize is that every day they acknowledge this thinking is a day that the stock market is working in growing the finances of some lower-earner people. (Download here: My Maid Invests in the Stock Market.)
Don’t have enough 5k to start investing?
You can open your online trading account without any down payment – read here to find out how.
If you really want to be financially free, then do start.
If you want to work for money forever, then ignore this.
Change your thinking, and then you’ll change your life! J
Have fun investing (now!).
PS: So how do you start investing in the Philippine Stock Market? There's no shortcut. Simply start!
PS2: You really really want to start but need to clear some questions first? Then email them to pinoyinvesting@gmail.com. Just so you can begin your steps to financial freedom!
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Secrets Revealed - How to Retire Rich


Hi future millionaire!
Another inspiring article from our friend Bo Sanchez, this time answering common questions regarding the Money Cost Averaging strategy.
Take note though that TrulyRichClub currently employs what it calls SAM – short for Strategic Averaging Method – which can actually be more rewarding than Money Cost Averaging technique.
We’ll take a closer look on that SAM in our future blog, and see how a very minor deviation from the Money Cost Averaging technique can largely multiply your profits.
In the meantime, enjoy this article!
Have fun investing! (With a simple strategy)
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If There’s A Perfect Time To Start Investing In The Stock Market, It Would Be Now… (by Bo Sanchez)

Just sharing again another article of Bo Sanchez, but this time an invitation to anyone who’s still stuck and oblivious of the Philippine Stock Market.

I actually envy people just starting now and planning to become stock investors.
For sure the next months or so will be a great welcoming for them by the stock investing world!
But don’t worry, I’m starting to get used to this feeling too. HAHA.

Share to your friends!
Have fun investing (in this perfect time)!
***
If There’s A Perfect Time To Start Investing In The Stock Market,
It Would Be Now
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How to be a billionaire (by Bo Sanchez)

Just sharing today an inspiring article of Bo Sanchez – How to Be a Billionaire! This is actually the last chapter of his another finance book "How to Prosper".

Enjoy and keep investing!
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PS. Avoid Confusion. Get guidance. Join myTrulyRichClub. Every month, receive myWealthStrategies Newsletter, my PowerTalks, my Stocks Update every month. Immediately, you’ll also receive my Ebook, My Maid Invests In The Stock Market… And Why You Should Too! To join, log on at TrulyRichClub now!


Stock Computation Tool - for Philippine Stock Market Investors

STOCK COMPUTATION TOOL FOR PHILIPPINE STOCK MARKET

Get this MS-Excel-based stock computation tool you can use to calculate for the exact costs of your buy and sell transactions and to project your potential earnings with your set target prices. 


Download it now! Click here.

Philippine Stock Market Investing Quote for the day - Pay Yourself First

"A part of all you earn is yours to keep. It should be not less than a tenth no matter how little you earn. It can be as much as you can afford. Pay yourself first...

Wealth, like a tree grows from a tiny seed...the sooner you plant that seed, the sooner the tree shall grow...the more faithfully you nourish and water that tree...the sooner you may bask in contentment beneath its shade"

 -George S. Clason, from the book The Richest Man In Babylon

 

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Posted via email from pinoyinvesting's Space

What happens to stocks’ price in the Philippine Stock Market on their ex-date?


Capital appreciation is the common way of making money in stocks investing. This should be obvious given the fact that stocks continuously change its price every single day, which means more opportunities out of it.

But receiving dividends can also be a thrilling experience for new investors.
In fact, when I just started, I remember giant companies giving me few bucks as dividends. While they were pretty small amounts (less than a hundred pesos), at least they’re all aware that I’m one of their part-owners HAHA.

But as my positions become bigger, I started welcoming dividends from several hundreds to few thousands. Oftentimes, I got surprised once I noticed that my cash available has increased in value because of this addition. And I really like that idea of money coming to you in unexpected ways. 

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For some investors, dividend is one of their main considerations when choosing what companies to buy. This type of investors who look at dividends as regular income are specifically called income investors. They are contrasted to growth investors who are primarily after fast-growing companies that prefer to re-invest their earnings rather than sharing it with all the stakeholders as dividends. These growth-investors are then those who are after capital appreciation as preferred way of growing their money in the stock market.

But do you know that there are several implications when receiving dividends from your company in the Philippine Stock Exchange? 

Below is a crucial one taken from Investopedia.com regarding what happens to the price of a stock on its ex-dividend date.
Price Implications
When a dividend is paid, several things can happen. The first of these is what happens to the price of the security and various items tied to it. On the ex-dividend date, the stock price is adjusted downward by the amount of the dividend by the exchange on which the stock trades. For most dividends this is usually not observed amidst the up and down movement of a normal day's trading. However, this becomes easily apparent on the ex-dividend dates for larger dividends, such as the $3 payment made by Microsoft in the fall of 2004, which caused shares to fall from $29.97 to $27.34.
The reason for the adjustment is that the amount paid out in dividends no longer belongs to the company and this is reflected by a reduction in the company's market cap. Instead, it belongs to the individual shareholders. For those purchasing shares after the ex-dividend date, they no longer have a claim to the dividend, so the exchange adjusts the price downward to reflect this fact.
So for stock dividends, you can calculate the opening price of these companies giving these dividends when the ex-dividend date comes.
To get what a stock price will be on ex-date, you can use this formula:
Stocks’ opening price on ex-date = (Closing price day before ex)/(1+stock div rate).
Thus, for a 50% dividend, stock price will be adjusted to 67% of the price before ex-date.
Your total number of shares on the other hand will then be
Total Number of shares after dividend = Original Number of shares x (1+stock div rate).
Thus a stock dividend will automatically result in a lower price on ex-date.
And in the Philippine stock market, this is adjusted by the Philippine Stock Exchange.
So stop getting shock now if you see stocks’ price went down on their ex-date. It’s a normal consequence of the dividend-giving process.

Have fun investing (and receiving dividends)!

Investing in the Philippine Stock Market – Tip#1: Have your reserve cash

Investing in the Philippine Stock Market – Tip#1: Have your reserve cash
In my last blog, I gave you a hint of the importance of what I call a reserve cash.
So let’s have a short discussion on that now.

What is reserve cash?
Very simple – it’s cash that you reserve for surprises in the stock market.
What kind of surprise? A surprise just like what the Philippine Stock Market had last May 16th.
Majority of the stocks are down.

And worse, even giant good companies did slide its way down big time, ranging from 5% to 10%. 
 If you’re in the Philippine stock market for some time, you know that it’s quite seldom that good companies go down by that much.

Now you use this reserve cash for opportunities like that.
Yes I call them opportunities, rather than a curse.
(I realize that successful people always see opportunities everywhere, but that’s a different topic)
In other words, you have this as your free cash, ready to be tapped under extreme conditions.
You have a separate wallet for your regular investments, and a different purse for your reserve cash.
And when the stock market gives its surprises, you open this purse to buy at low prices.
Specifically, you use this reserve like when giant fantastic companies have dropped big time in one day.

WHY RISK DOING THIS

There are basically two ideas on which this strategy rests:
  1.        If good companies dropped big time in just one single trading day, then it’s highly probable that it will bounce the next trading day.
  2.       The higher the drop, the higher the bounce.


Now we use that reserve cash to leverage on that expected bounce.

So what you do is to buy at the red day’s closing phase (or the next day opening phase), and you sell it once it bounces enough at the next few trading days. 
You see, this is actually more as a trading strategy, since this has a shorter time frame, and caters more to those folks who can afford to monitor more closely the stock market.

It’s important that you sell the next trading day (or the next few trading days after that) to get your profits out of the table. Doing so also gives you back your reserve cash you can then use for other future market surprises. If you see that the uptrend is still intact, you can keep it there a little bit longer. The important thing is to have your reserve cash back again, with some profits made in the side.

Take note that I used highly probable for the bounce scenario above, which means stocks prices may still keep going down even more. But from experience, with such a big drop, it’s usually the bounce that’s more often the case for these giant fantastic companies.

Why do we risk doing that?
Because we believe that there’s nothing wrong with these companies.
We recognize it’s only some bad external news that had driven people crazy that pulled the prices down.
But they remain fundamentally sound. And because everyone still knows this fact, others start buying again and these companies start to bounce.

You can see below the green pasture bounce I’m talking about, as the Philippine Stock Market closed today from a recent nightmare it had. ( I also shared again this nightmare picture where it bounced from) 


In the above scenario, you can see big revenge attained by  several companies dragged down like

URC: 3.11% from -6.29%

MEG: 5.26% from -8.21%
MPI:  5.45% from -8.11%
AGI:  4.34% from  -2.60%

and others.

As a last note, take serious time to realize that you use this free cash under extreme conditions – like an unacceptable big-time drop that dragged giant sound companies.
Forgetting this rule can hurt you in the end.

There you have it.
Have fun investing! (and be ready for trading!)

PS: Hang around for more tips on investing!

The Philippine stock market has gone red again!

The Philippine stock market has gone red again!
Below shows the closing prices of the top 20 active stocks of the Philippine Stock Exchange as of closing of May 16 2012.


You can just see how even some giants slide down with more than 5% drop!
That is just too much a disaster in one day!

But with situations like this, we can see now two kinds of people participating in our stock market.

First is the one who are panicking now (possibly even crying) given this disappointing Philippine stock market performance. If you’re in this group of investors, then just take this as a learning experience. You can always get back those money with these new investing lessons guiding you.

The second group are those investors smiling now after seeing their target stocks going down to their entry points.
This may be the time they’ve been patiently waiting for. 
Probably they’ll wait even more to check whether it’s time to enter again.
They see this more as an opportunity rather than a curse.
So which one are you?
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Have fun (I know that’s quite difficult now) investing!

PS: Days like this mark the importance of a reserve cash for all investors. 
What’s reserve cash? Watch out for a blog entry on that. 
In the meantime, enjoy shopping!

Are you a serious investor in the Philippine Stock Market?

Are you a serious investor in the Philippine Stock Market?
The time has come to differentiate those serious investors from those that are not.

Present times like what we have now will test and show if you’re truly serious in investing, or you’re just a kid ignorantly wandering in the Philippine stock market.

The Philippine stock market has been going down these past several days. Recent news have it that Philippine stocks plummeted below 5,000-mark.

It’s very easy to be an investor in a stock market going up, but how far can you go when there’s blood in the street?

How far can you hold on to your companies seemingly starting to be ugly?

How far can you be an investor in the Philippine stock market crawling its way down?
Just some real questions for you.
Have fun (and good rest) investing!

PS: For those trembling and shaking now in this red market, Truly Rich Club reminds its members:
Relax.  I assure you: Your profits will come back.  Just wait for a month or two, and those profits will return, bringing a few more pesos with them. Have fun shopping at sale prices!

A question from a mortal investor investing in the Philippines Stock Market


Here is a question from a mortal investor:
What happens if an investor past away? To whom will the fund go?
Here is a short answer from our friend Sir Aya Laraya:
It is handled like other assets of the deceased under Phil law. Estate taxes have to be paid first before the heirs can get the shares.
Just a quick-reality check for you.
Live long!
Have fun (and be healthy) investing!

PS1: If you’re a beginner investing in the Philippine Stock Market,  download your investing book here – Investing in the Philippine Stock Market for Beginners! If not, share it to your beginner friends!
PS2: For constant real-time updates, like us in Facebook and follow us in Twitter!

Don’t let your stock investments define you! Relax in God’s Love

Don’t let your stock investments define you! Relax in God’s Love

This will be a quick sweet note.
It’s Monday time again!
For many, this day signals the start of another week–long work. (C’mon, please stop frowning :P )
For few, this signals another time for their businesses to work for them.  And I wish to be one of them soon. J
And for investors like us, it’s another week-long time for giant companies to work for us. Yay! I shout out “keep growing companies!”

I thank The Feast for recharging me every Sunday in facing every new week. It’s my weekly regular overdose of inspiration and hope in spending life to the fullest!
And I super-love the new brand series it tackles – LifeSavor. It has a very long but powerful subheading:
This course is dedicated to the Approval Addict, The Chronically Nice, The Spiritually Abused, And Everyone Else Under the Sun Who Need to Love Themselves More.

Which leads me to my message for you today:
Friend, relax in God’s love. Because in His eyes, you are His greatest investment!
Many times we forget to relax.
It’s very understandable given the very demanding life that we have now. With the tight schedule and endless deadlines imposed, it sometimes seems impossible to take a break from work and savor life once again.


Take your vacation!

I remember the recent vacation we had in Pagudpud, Ilocos Norte, the home-province of my brother-in-law.
I loved it very much.  It’s like a pre-city in mountains, surrounded by wide oceans and seas. Pre-city because it doesn’t really have the usual lights and sounds of developed cities. And I really dream to have one vacation house there, to embrace and welcome me every time I’ll choose to take a leave from work.

One night of that vacation was spent in a kubo of a relative.  It’s like a hidden corner of a mountain that there were only few people residing and houses are placed several feet away from each other. We came there late afternoon.  Few hours later, gosh, I experienced first-hand how people in the province really sleep very early. It was only past 7pm, but people were already in their own houses.

It’s very obvious why since there’s really no night-life present like what we have in the metro. Once, I got out of the tiny wooden door, and all I saw was total darkness. It was a very silent calm night, with all sorts of insects as the only makers of recurring noise.

And when morning came, I saw a very beautiful scene of my life. It’s a mountain range with trees and clear sky all around!
Good morning Ilocos Norte!
My heart jumped with joy! It’s a paradise for me. 
I silently told myself: This is the simple life I want. You wake-up early every day, and  fresh air and awesome nature greets you in the morning.

Are you like this donkey?
This was shared in the talk in the feast earlier! 
Are you like a donkey?

Donkeys can be the laziest animal in the planet. To make it move and run, owners instead place a carrot in its front tied in its body. But due to this kind of set-up, the donkey will never be able to reach the thing he’s yearning for.

He could try his best, but it will always be a failed attempt. What he forgot is that the carrot was all the time with him, and he just needed to relax to enjoy it.

We can work all the time we want, but it will not fully satisfy us. It can even fail us at times. At these trying moments, let's just remember that God has always been with us, our true source of value and worth.  Let's find time to enjoy with Him.

Add life to our years!

So the next time you add to your investments, make sure to also add life to your years. Your mighty creator also does the same. Each day you wake-up is a new life He adds to your days!

Take a rest! Better yet, go for a vacation!
Your life has been waiting for you!

Enjoy life!
Enjoy the rest of your week!

My Opis Kras is Leaving =( … plus how you can help build a better Philippines! ^^

My Opis Kras is Leaving =( … plus how you can help build a better Philippines! ^^

Yesterday night was saddest.
Because my opis kras is leaving. She’s bound to another side of the planet and yesterday was her last day in the office.

Sad but true.

To put it in context, let me first define to you what an "opis kras" is as used in this blog.
It’s the person in the office that when
  •        You see her, every stress vanishes.
  •         When she smiles, every energy is restored.
  •         And when she talks to you, everything else disappears! ^^


Now you see why you would never ever dream to be in my present situation now.
Good thing I’ve been trained to look at the brighter side of things. So I focus instead on its fourth criterion:
  •         With no serious intention of pursuing though :P
HAHA.
Well, at least I was able to bid final farewell to her. It was a short statement typical of me: “I am so sad you’re leaving, but I am happy for you”.  

It was actually such a huge move for a person like me. 

You know, I can force myself to be the most confident person at the middle of the crowd, cracking the norms and doing some bold (sometimes too awkward) moves, but put me beside my kras and I suddenly become like a newly manufactured white bond paper – BLANK.
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To add, I’m a very logical and rational person.
That’s just another way of saying I’m not really that good in handling emotions. 
My strategy has been to be totally honest with myself. If I feel happy, I will rejoice. If I feel sad, I will mourn. 
And I believe that people should be like that - to celebrate life regardless of the type of your situation. Happiness in life after all, as I recently learned, has nothing to do with the absence of problems, but the way you embrace things that happen, with burning and renewed hope after every fall.

So allow this blog post to mourn with me  this time in the reality that in the coming days, there’s no more a person in the office who’ll be my instant fountain source of kilig, with whom I can try my best of best pick-up lines, and who can recharge everything in me with her slightest moves.HAHA

While we have not really become the best buddies, (because she’s in a different team), the thought that at least I met her is already comforting to end this story. 
Besides, I’m not really putting serious thought into being in a committed relationship right now. 
I’m very happy with where I am now, and really excited going where I want to be. I am thrilled meeting new people and going places. 
I just have to accept again this time that in life, people indeed do come and go.  Even the human Jesus did. I think it’s one of the painful facts of life.

HAHA.  Sorry for being too talkative about that.
But what is a story like that doing in a finance blog like this?

What’s the connection between that kras syndrome and your investments in the stock market?

Well, first, because of this unfolding of events, I wouldn’t be able to update this blog as often as before. I have to let myself heal first for some time. HAHA.

More seriously, this is only to remind you that you can help in building our own stock market, and ultimately our country.

As you know, only less than one percent of the entire population of the country are market participants in our stock market. A recent news even revealed that “in the National Capital Region, only less than one percent of Filipino households have investments in stocks, government securities, other securities or mutual funds. In areas outside NCR, the percentage of households that have investments in these instruments is near zero”.  

Compare that with two-digit percentages that exist in our neighboring countries like Singapore, Japan, etc and you’ll stop wondering why we’re left behind in terms of national financial economic development.

With the lots of good news coming out in the local and international channels and arena highlighting the good position Philippines currently has, Filipinos have now more reasons than ever to be investor of companies in the Philippine stock exchange.

The only missing link here, I think, is the unfortunate lack of information Filipinos have, plus the fact that horror stories about stock investing could have stopped some to even try it out. If they only knew that investing could be fun and profitable with just proper mindset and strategy, they’d surely go for it.

Agree???
You can actually help in propagating the same. 
You can write or share a blog like this, or change your office lunch discussion from complaints to investment discussion like this. 
You can start by sharing your own story of how in the world you did become an investor (and a millionaire in the future). Not only can you diminish the negative aura occupying your pantry, you’re also helping your bosses and friends to empower their finances. You can always have your own way. 
Big or small, it can ultimately help build a better Philippines.

Like what happened in our office.

Last year I shared lessons about investing in the Philippine Stock Market with my own officemates. It was like the typical team meeting in a room.  Even some managers joined it. 
I also shared to them my book specifically designed for beginners right after.  They loved the talk and the book but I loved more their eagerness to learn. While some definitely didn’t enter into stock market investments right after, some had enough bias for action and opened their trading account after few days. 
That second batch is the same set of people who should be wearing big smiles now given the spectacular performance Philippine stock market recently had since the start of 2012.

Moments and opportunities like that are actually more rewarding than any monetary profit I can get in stocks.

I am thankful to God for being a channel of His love and blessings to others. And I pray that it will always be, whether an opis kras is around or not :P.

Have fun and millions investing!


PS: You can also download the book i shared with my officemates here: – Investing in the Philippine Stock Market for Beginners!  Share it to your beginner friends as well!
PS2: For you to get constant real-time updates, like us in Facebook and follow us in Twitter! Enjoy!

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