Stocks are now falling down.. and I'm rejoicing!

In case you're feeling incredibly sad with the market happening yesterday, I thought of sharing this consoling message from Bro Bo Sanchez.

See times like this more as an opportunity than a curse.  More importantly, stick to your long-term goals and not be easily swayed by temporary market mood swings like this.

Sabi  nga ng isang forumer, 
"Nakakabother lang yung long -term investors dito. Panic kagad sila kapag namula ang ports. Yung totoo long term ba talaga horizon mo or short term?"

Totoo naman.
In fact, I think there are better opportunities coming than what we have now. 
So.. so.. so.., nail your eyes on your ultimate goal at bawal ang sabihing long-term tapos tapos eto ka, namula lang ng konte,andami mo nang naiisip gawin. Alam ko yan kasi ganyan din ako dati. hehe.

But don't crucify yourself.
It's very normal and I'm confident that it will just be a matter of time before you get used to it.
Once you have that mindset, you'll feel more peace with your investments.

So eto na update from Kuya Bo para dagdag peace sayo.


***
At last!  After a long wait, our Stocks finally went down.

I’m so happy.

It’s soooooo nice to see some of my SAM Stocks go “Red”!

Whenever you see that red number beside your Stocks, that’s YOUR signal to KEEP putting small amounts of money into these same Stocks.

Why are our favorite Stocks going down?   Because we have an “overbought” market. This is common.  This always happens.  And this is temporary.  The people who are selling now are doing so because of various reasons: (1) They’re traders—they bought some weeks ago when the prices were low and want to make a quick buck; (2) Or they’re long-term investors who are panicking.  Crazy.

TRC Members, you know better!  We don’t panic.  And we’re not after a quick buck.  We’re after the slow but sure bonanza!

By the way, the Philippine Stock Market isn’t the only one that’s down. The world markets are down.  The Japanese Stock Market is down too—by 10%.

When people are panicking, that’s the time to buy our SAM Stocks.

Stay the course.   Remain faithful to our strategy.  Invest each month your small amounts of money into the Stocks we recommend—and in a few years,those small amounts will become big amounts.

***

Gets?
So wag nang sad.

Have fun investing (and fun lang po)!
Omeng

PS: For beginners, read this story of Gina (that's the name of the maid of Kuya Bo)  who have just become a millionaire and now inspires many! Read the account here!

Download this free ebook of the complete story  here.

Secrets to a lasting wealth: Top 3 Big Things You Need to Change to be Wealthy

I am reading now the book  Cashflow Quadrant by Robert Kiyosaki. This is roughly two years after I completed its first part Rich Dad Poor Dad.

Kiyosaki's books are those type of readings that make you flip through the pages without you noticing it. Its style of a perfect blend of story telling and reality check is one of its strongest points, not to mention its unique bringing to the table some unconventional advices.

Books are powerful, we know it. 

But what is is a thousand times more powerful and authoritative than books?

It's the book-reader.

Be ready when a book-reader talks to you because for sure, what comes out of his mouth is already a summarized, delicately filtered information based from several books that has nourished his mind. In that sense, a book-reader becomes a precious gem,a fountain of information that's rare to be found.

And with books that has changed my life, I realized that there are three essential big things new investors has to face eventually down the investing road. If you've been investing now, you might find it easy to relate and agree. If you're just starting, at least you'll have an idea of what you're going up to.

 

Photo credit - Three Big Things You Need to Change as  an Investor

First, you need to change your mindset.

Here's my belief: Investing is more as a mindset first before techniques.

Especially with the strategy I have, I see investing  more as a conditioning lifestyle than a trading adventure.

If you know my story, the first reason why I was poor is that I was trapped in a set of beliefs that were unsupportive of my goals. 
Worse, I was not even aware of it. It was only when I switched on that supportive beliefs that I finally told myself to be in-charge of my finances.

When I made that decison, it was like seeing the world in a totally different perspective.

It unlocked lots of doors and choices, opportunities and freedom, dreams and aspirations.

I never felt similar freedom before at that time. And I was happy having that crossroad in my life. 
If you want to have better chances of winning in life, make sure your inside world matches your projection of the outside.

Second, you need to change your spending - of all your resources - time, talent and treasure.

The moment I had that central beliefs in place, the rest of the way was purely mechanical - finding and pursuing ways how to achieve a perceived dream.

Obviously, pursuing one's dream entails some cost. A form of paying some price.
For all of us, it's time, talent and treasure that we have.

I later on learned that one has to be decisive and intentional in using these three gifts we all have.

It's good to point that your spending should at least move you even a bit closer to one of your dreams.

When I was starting in the stock market world, I took a whole day training on Momentum Trading that's worth 5k.

Gosh, it was not easy  for me to pay that amount that time. I was a fresh graduate then.

But through time, I started to witness how important learning is in this life.

I remember taking the RFP seminar last year that costs a whopping 28k.

I also joined an online marketing program. It's almost 20k.

Then just recently, I bought another online training that is worth 15k.

Don't be too impressed.

I'm not that rich. In fact, I had to really adjust to cover those expenses.

The nice thing is that I find learning in itself an enjoyable experience.

If there's one best thing that money has added in my life, that's the ability to have the type of learning I want. Afterall, that's what really makes me happy - knowing something new each time.

Buying a new book each month is how I treat myself.

Now, I have several books lined up in my shelf and scattered on my bed giving me the luxury of picking them up whenever I want.

How you spend your time and talent similarly has to be aligned in achieving your goals.

They key is to note that there are so many times when we spend so much of our resources to have the things that do not really contribute to our ultimate longing.

This calls for some honest self-examination - of lifetsyle and habits.
Take a look at your typical day and you'd find areas of wasted resources that could have been poured out into something more worthwhile. The importance of focus comes next into the picture.

The third big thing in your life that you need to change is...
wait for the next post. =)

Have fun investing (and changing for the better)!

Omeng

PS: Ikaw, what change in your life did you have when you were starting investing? Share it to win it.

PS:  Avail our super early bird rate to our Personal Finance + Picking Winning Stocks Premier Seminar.
Click here for details and your added bonus. 

Limited seats left so reserve you slot now.

Stock Smarts Picks of the Week : May 20 – May 24, 2013 by Marvin Germo

For investors out there who want to have weekly source of free pointers to help you decide, Marvin Germo in his site has that regular dose of info.

For this week, below is a sample post in his site marvingermo.com.

***

Last week marked another awesome milestone as we broke the 7,300 and momentarily hit 7,400 on intra day trading after which our market went down to earth on the same day and settled somewhere below 7,400.  This sudden surge was brought about by the positive sentiment from our recent elections.

After hitting highs we have seen some healthy corrective selling happening to provide a profit taking balance for those that would want to rake in some cash.  Meaning the market went down but that’s all normal and part of how the market works.

If you look at this chart below you will see that our market has formed a short term support at 7,255 and a resistance at 7,393.  If our market stays afloat and strong above 7,255 it would be good to buy at that point as we can expect it to go higher.  If our market fails to break 7,400 you can sell your positions and just wait again near 7,255.  If it breaks out higher above 7,400 don’t be scared to buy as we will experience further breakouts to come and bring our market higher.

For this weeks stock smarts picks I am going a different route.  As this time I will be featuring the banking sector and some select stocks and making the recommendations based on technical analysis as per request of our subscribers, readers and clients.  Just keep those requests coming as live to help and serve you further.

From my previous posts and articles we all know that in an upward economy we can be certain that banks benefit the most as they are exposed in almost everything under the sun!  Record earnings that banks are disclosing now are expected and should go even higher as we are just at the beginning of even greater things to come for the country.  Just wait until more and more funds come into our market!

Here are some of our immediate buys:

BDO [BUY] – it’s currently at its support level and we can expect it to bounceback and trend even higher over the next few weeks or so.  What’s amazing about BDO is your technicals follow the fundamentals and valuations.  Expect to buy anywhere within the support price range.

BPI [BUY] - this stock just brokeout from a short term resistance and using the principle of support and resistance we can expect it go higher as we see more buying pressure over come the sellers.

Here are some wait and see buys:

EW [Wait and BUY] - East West Bank is still in a very good uptrend, it would be cheaper to buy it if it would go to its support at around 36 Pesos per share.  But if you don’t want to wait it’s still good and has a large technical upside for it to bounce further.  Personally I would wait for it and see if it will bounce for the support, then buy.

MBT [Wait and SEE] - Metrobank is currently at a point where it’s best to wait and see.  If Metrobank trends higher in the next few days it would be a good buy at that point.  If it falls down over the next few days I would avoid the stock until it breaks out or until it goes down near the support around the 122 peso level where it would be again cheap to buy.

Here’s one stock to avoid for the week:

SECB [Avoid and SEE] - Security bank just dropped from being bullish into something else.  Personally I would avoid the stock until I see it go back into an uptrend!  The company is good but the stock has fallen, I’d wait and see what happens before I would get in.  Besides there are 4 more stocks above that are better than security bank!

Our market will go even higher not just now but for the years to come.  It’s time to stay invested and stay the course of our market for the long term!  It’s time to invest!  Look up Philippines it’s our time!

***

Go bookmark his site now and you'll never feel lost again! =)

Have fun investing (with more free info)!

PS: Catch Marvin and learn how he makes above analysis and much more.
Early bird rate ends tomorrow so make sure you reserve your seats now.
Click here for more details.

How to Survive (and Make Profits!) from a Market Going Down

First, here's a quiz for you.

Let's say Mr. Buffet has P100/month to invest.
Given below three market scenarios, which one do you think ends up doing better?

Esep-esep. Bawal mandaya. 
You'll know the answer at the end of this post.

Now, here's an update to our Stocks Watch Guide.
If you need more explanation on how to understand the terms and figures and how to use this to your advantage, click this link.
Newbies today are lucky to have this table.
When I was starting, I didn't have this helpful guide that could give a summary of recommended stocks  I could choose from and their current situations. What's better is that this is totally FREE.

If you're thinking of subscribing to a newsletter only to receive long-term stock picks, I suggest you dump that thought. Instead, just observe the stocks in the list above and add instead your subscription fee to your investment fund. You'd save yourself an expense doing it that way.


Speaking of subscription, below is an update from Truly Rich Club. It talks about the added advantage of its SAM strategy - on being antifragile.

***
Do You Have Antifragile Wealth? - How to Survive and Profit from Black Swan Events
Many people are getting scared.
Why? Because our stock market has gone so high, some are now telling others to withdraw their money from stocks and put them back in banks. Because they fear a stock market crash.
I don’t believe there’ll be a crash anytime soon. But even if there’ll be one, if you follow SAM and the TrulyRichClub system of investing, you’re “antifragile.”
 
That word comes from Nassim Taleb, author of The Black Swan. In that book, he says that most of the important events are unpredictable. For example? When a president gets assassinated.Or when an overpriced stock market crashes.

In his newest book, Antifragile, he says that instead of trying to predict these catastrophic events, we can make ourselves THRIVE through these catastrophic events. Analogy You know that a vase can fall and break into a thousand pieces if an unpredictable event like an earthquake happens. So why not become a stuffed teddy bear? Why not become antifragile?
 
Good News: The TrulyRichClub’s SAM or Strategic Averaging Method makes us antifragile. Because our investing is (1) long-term, (2) monthly, (3) exclusively in giant companies, (4) with very important buy-belowprice and target-prices, PLUS we will (5) warn you (to the best of our abilities) when we believe there are signs of the stock market overheating…

You’re incredibly antifragile.
Yes, TrulyRichClub members are stuffed teddy bears.
(That’s why we’re huggable.)

May your dreams come true,
Bo Sanchez
***
Just some lessons for you today.
Have fun investing (with less worries and fees)!


PS1:Correct answer to our quiz above is scenario 3. To find out why, click here for explanation. You'll also learn a lot.


PS2: For beginners, download you perfect starter -My Maid Invests in the Stock Market ,  and start your journey to your millions now na. Bawal mabagal dahil sayang ang panahon. Eto basahin mo, maid ni Bro Bo Sanchez, milyonaryo na. Click here.


PS3: For not-so-beginners, early bird rate of our Mid-Year Philippine Stock Market Premier Seminar ends this Wednesday.
Few slots left so reserve your seat now and avail your big discount.

Learn for life from three three speakers plus take home your own financial plan.

Get exclusive access to our Investing Mastery Group too as your sign-up bonus.To invest in yourself, get more details here.

Pin It! What I would do if I had to start all over again?

It's now going three years that I've been investing in the Philippine Stock Market.

And thank God, I'm still here. =)

Well, I'm actually lucky that I started when the 2008 crisis was over.

It was year 2010, and by 2011, I was happy to know that the Philippine market is still in Phase 1 of the cycle below. [Click here to learn more about this cycle]

Now, what I would do if I had to start all over again?

Knowing the available resources we have now, I would suggest below very simple steps:

STEP 0. Read Bo Sanchez ebook - My Maid Invests in the Stock Market. 
That's what I believe is the easiest way to understand how investing in the stock market works without the usual intimidating market jargon nobody likes.

STEP 1. Second is to open an online broker account right away.

Many would agree to the need of "Aral muna bago invest".
But that doesn't mean you have to understand everything first before you take the first step.

I'm a fan of taking one small step, then just look again and adjust, instead of analyzing everything before taking that first small step. (analysis-paralysis as some call it). Action simply brings much more clarity.

Opening an account is totally free. It doesn't even require any maintaining balance.  

So stop thinking of all the other future steps before completing this.

Once done, only then you should think of what stocks to buy.

STEP 2. Speaking of what stocks to buy, this is the most frequent question we get from first-timers.

After having few years of experience under my belt, I would suggest to start choosing a few from the list below (updated as of May 10) and adding to them monthly. 

It's "safer"  for beginners who are just starting. 

Just observe the buy below price and you'll be fine while avoiding all kinds of market analysis.

If you observe the previous version of this table, you would notice that some companies in this list had already appreciated from its price few days ago (which is already a lost opportunity).

(Compare it with below update as of April 29)

April 29 Update

Of course I'm connecting now the dots backward.

But the point is those companies are already established and screened as studied by our broker researchers. So for newbies, you can start selecting those in the list while you're still in the process of educating yourself.

STEP 3. Lastly, find ways to increase your income. 
Investing in stocks is essentially money making more money. So if you have more money, then you'll have more "more money".
One golden lesson we can all ponder on - Focus on your cash flow, not on your stocks.

It's okay to be excited while starting (everybody was) but after some months, never make the mistake of checking everyday your portfolio when you know that your investments should be passive. Better to redirect your time in finding ways to increase your cash flow,and thus increase your investments.

There you have it. 
Those three simple steps summarize my advise for beginners.

What about you?
If there's a total beginner to come up to you, what advise would you give coming from your own experience?

Have fun investing!
Omeng

PS: Super early bird rate  of our premier seminar ends tomorrow. 
Check here for details. 

If you want to come up with your own financial plan, this can also help you. 

Plus hear lessons from Aya and one more speaker. 

Few seats left so reserve your slot now. 

Check more details here.

Ready to invest? Two Simple Lessons that will Make You Safe [Part 2]

Below article is the second part to complete the previous post on the importance of investment safety nets all investors should have. Click here to read the first part.

***

Second investment safety net - Income Replacement

Its sole purpose is to sustain the life of your family for at least 5-10 years without you providing for them.

If you don’t want to follow the formula: Income Replacement (IR) = Annual Income x 10,

then use this instead: Annual Expenses x (5-10).  The bigger the better and you will have more peace of mind.

Remember that Income Replacement is not for you to enjoy. Income Replacement can be provided by a “Pure and Term Insurance” only which is much cheaper than any other bundled insurance available in the market.

If you are a corporate person, then right now you are covered with group insurance policy which you cannot take with you when you retire.

Your financial position will be much better if as early as today you can secure your family’s future and your assets.

The features and functions of a Pure and Term Insurance are:

1. Its cheaper because there is no savings portion. (Your savings will earn much more if you invest it correctly, say 12 percent to 60 percent per annum.) Quit one merienda for P30 to P50 a day and you can already protect yourself and your family with a P1 million coverage that will double if death is due to accident.

2. The major function of “Pure and Term Insurance” is Income Replacement if you die too soon without completing the wealth-building process. Your family should be able to sustain their life for the next five years even without you providing for them.

3. Why Term only? Because your insurance coverage must increase as you become wealthier, so as to protect all your assets.

4. Another function of insurance is that it can help your son and daughter pay off the needed estate tax within 90 days upon your death which is 20 percent of your total estate, to facilitate transfer of your estate to their names.

5. It’s Tax free so it’s good money for your family. Why die without value when you can die and GIVE millions of pesos for your family, loved ones or even to charitable institutions?

and lastly...

“Insurance is not about you getting or receiving. Insurance is all about you giving and loving.”

Have sufficient “Pure and Term Insurance” to protect your life and all your accumulated assets.
 

*** 
PS: The above piece is a short section of a sample Wealth Strategy article of Truly Rich Club from Lyndon Malanog. (Click here for the first part of this article.)

Lyndon Malanog is an Entrepreneur and the Financial Coach of Bo Sanchez, Inc.. He continuously gives “Financial Discipline and Wealth Management” seminars to companies and groups as part of his noble mission and advocacy of educating people. 

Meet Lyndon (and Aya Laraya of Pesos & Sense) in person in our Philippine Stock Market Premier Seminar this coming September 28 at Gateway, Cubao!

Get more details here.
Super early bird rate of 2497 1997 1497 ends this August 23 so reserve your slot now.

Ready to invest? Two Simple Lessons that will Make You Safe

Volatility in the stock market is pretty normal and nobody could really time it. So continuously plant into your investment portfolio. If you are looking for the perfect timing on when to get in or out, then you are indeed gambling.

Time is our greatest ally not timing, because over long term, the number of shares you have accumulated is still much more powerful than the price per share.

All the ups and downs of the market will also be corrected if your investment horizon is long-term. Your goal should be to accumulate as many shares as you can, as fast as you can while you can. This is the reason why you need to set up your “Investment Safety Nets” first because during a downtrend all of the three asset categories (paper, real and business) will be priced cheaply.

Part of our financial strategy for wealth preservation and transfer is to avoid selling any shares or any of the three asset categories during times like this.

Set Up Your 2 Investment Safety Nets

Before taking any further risk in building wealth, remember always to set up 2 Investment Safety Nets:

1. Long-Term Medical Savings
Building wealth has no shortcuts so it means that we really have to deal with the uncertainties of life and at the near-end of our life, all of us will need more medical attention whatever our lifestyle is today.

In order for us to build a solid financial foundation, we need to make the right preparations because the most expensive part of our life is not sending our children to college, but sustaining our life during retirement amidst the continuously rising cost of medical expenses.

Before we allow our team members and investors to invest on mutual fund equities (90 percent stocks and 10 percent government bonds), we make sure he/she will not spend it all for his medical expenses when he/she gets old and sickly.

Why? A major medical crisis can wipe out everything that you have labored for in your lifetime if you don’t have a separate savings allocated for your long-term medical expenses. This is what happens to a lot of people who retire from their job very rich but die very poor because they consume everything that they accumulated in their entire life for their medical treatment.

Why Have Long-Term Medical Savings?

This is a part of our Financial Strategy to Wealth Preservation and Transfer. Let us not forget that the cost of medical expenses doubles every 5-7 years and considering major surgery today which will cost half a million pesos, then 30 years from now, it will already cost P4 million if it doubles every 10 years.

This long-term medical savings should be our first investment so as not to burden our children or relatives with the expenses in the future.

Again WHY Do We Need This?

During downturn of the market or correction, and worst, during recession, all asset classes (paper, real and business) will be priced negatively. In the last 20 years, the annual returns of stocks and equities has hit negative four times and two times, it hit 5 percent and lower. If your equity investment will only earn 2 percent to 5 percent per annum, then your money is not growing because our average inflation is 5 percent to 7 percent per annum. Just like what is happening with your money in the bank, it loses value year after year.

So, during these times, you can’t sell your shares of stocks and equities or any investment at a negative or losing value. What if you need the cash for a major medical treatment or surgery? Will you sell at a loss?

Financial planning means having a separate investment instrument that will cater to your medical needs so that you will not dip into you investment and only sell when the market is up or when it gives greater positive returns.

Don’t be a beggar to your own children. Be a responsible parent. Make sure to preserve your wealth for your future generations. Have sufficient long-term medical savings.

***

 PS: The above piece is a short section of a sample Wealth Strategy article of Truly Rich Club from Lyndon Malanog. (Click here for the second investment safety net all investors should have.)

Lyndon Malanog is an Entrepreneur and the Financial Coach of Bo Sanchez, Inc.. He continuously gives “Financial Discipline and Wealth Management” seminars to companies and groups as part of his noble mission and advocacy of educating people.

PS2: Meet Lyndon in person in our Philippine Stock Market Premier Seminar this coming September 28 at Gateway, Cubao!

Get also an exclusive bonus lifetime access  to our Investing in Philippines Private Mastery Group to help you maximize your learning from the seminar.  

Get more details here.
Super early bird rate of 2497 1997 1497 ends on Aug 23 so reserve your slot now!

You say you're a long-term investor.. but do you know your goal? (by Lyndon Malanog)

Long-term investors as we are, our goal today is to accumulate as many shares as we can. The price per share is not our concern right now because over long-term, the number of shares is much more powerful than the price per share, so keep on adding into your stocks and equity fund accounts.

The ups and downs of the market should not change our investment perspective because our goals are long-term so just put and put and put into your investment account. As long as your “Investment Safety Nets” (term insurance and long-term medical savings) are in place, you are in a secured investment zone.

All indicators shows that in the next 3-5 years our country will enter into a decade of progress and profitabilitythat we haven’t experienced yet as a nation.

It would not be a smooth or a straight line climb but we are very positive that we will get there in our fearless forecast that the PSEI will reach 10,000 by 2016.

Let’s all ride the bull, my dear friends.

This is our decade, this is our time—but...habit is more important than skill.

So once again, we encourage all of you to issue post dated checks for all your investment accounts. In this manner you are actually creating a “Forceful Facility” for you to develop a new habit of saving and investing.

Why do we need a “Forceful Facility”?

To conquer bad habits (procrastinating and lucrative spending), we need Forceful Actions as well. Issuing a post dated will challenge you to simplify your lifestyle and find other means to earn so that you could maintain your balance in your checking account to finance your Investments. If not, the bank penalty might be bigger than the added investment you have committed every month.

This process will also enhance your creativity by not just relying on your job or on a single source of income. So for those who don’t have checking account yet, you better apply for one and start filling up those checks as early as today so you can submit your “one year post dated checks”.

After doing so, you can now go back to what you do best or love doing and let your investments

compound with time.

But remember that we are now in the Information Age and the greatest leverage we must all have is the right and timely financial concepts,so keep on learning and applying what you have learned.
***

PS: The above piece is a short section of a sample Wealth Strategy article of Truly Rich Club from Lyndon Malanog.
Lyndon Malanog is an Entrepreneur and the Financial Coach of Bo Sanchez, Inc.. He continuously gives “Financial Discipline and Wealth Management” seminars to companies and groups as part of his noble mission and advocacy of educating people.

PS2: Meet Lyndon in person in our Mid-Year Philippine Stock Market Premier Seminar this coming June 1 at Gateway, Cubao!
Get also an exclusive bonus lifetime access  to our Investing in Philippines Private Mastery Group to help you maximize your learning from the seminar.  

Get more details here.
Super early bird rate of 2497 1997 1497 ends next week so reserve your slot now!

Ang hirap palang maging OFW...

“Hon, padalhan mo naman ako, kasi may gusto akong bilhing shoes dito.”

“Sa uwi mo, ‘wag mong kalimutan yung pasalubong nina nanay at tatay ha?”

“Akala ko ba, may padala kang package? Ang tagal naman!”

“Punta tayo sa Cebu sa next vacation mo…”

Ilan lang ito sa mga walang katapusang requests ko sa asawa ko nung nasa abroad

siya. At kapag walang favorable response, nagtatampo ako. Nasasabi ko pa na

tinitipid o pinagdadamutan niya ako. Dun na pumapasok ang pag-aaway namin, dahil

hindi ko daw siya maintindihan. 

Nabubuwisit ako, kasi alam ko na malaki ang sahod niya, pero bakit ang higpit niya

pagdating sa pera? Di ko man masunod luho ko gaya ng sapatos, mga bags, damit

at iba pang gadgets? Hayyy nakuuu…

Until dumating yung time na nagdecide kami na sumunod ako sa kanya sa

banyagang bansa. At last, makakasama ko na rin siya at maipabibili ko na rin mga

gusto ko, bwahahaha!

Sa eroplano pa lang, naiisip ko na ang mga bagay na gagawin ko –shopping, bakasyon,

dine-out, gala to the max! Paglapag ng eroplano sa Kuwait International Airport,

wow! Ang INIT! Humid pa! Sumasakit na ang ulo ko sa biyahe pauwi sa tutuluyan

naming flat (kung tawagin ang apartment).

Latang-lata ang pakiramdam ko sa init ng klima, summer daw pala kasi! Naisip ko,

huwag na muna ang shopping at gala, pahinga muna…

Dumating yung time na lalabas na kami at mamamasyal, excited pa mandin ako.

Pagdating namin sa Mall at nakita ko ang mga bagay na gusto kong bilhin…bigla

akong nakaramdam ng panghihinayang…

Makita ko pa lang ang tag price, gumagana na kaagad utak ko sa Riyal to Philippine

Peso conversion! Napansin ako ng asawa ko at tinanong nya kung alin daw ba gusto

ko, sabi ko na lang, huwag na, next time na lang…

Dumaan ang mga araw at nagiging malinaw na sa akin ang araw-araw na pamumuhay

ng mga OFW. Kay lungkot pala maging malayo sa pamilya, ang hirap mahomesick!

Nakakaiyak makita ang mga pictures ng family sa FB tuwing me okasyon. Yung

malungkot ka at gusto mo silang makasama kaya lang hindi naman puwede magbus

pauwi ng Pinas.

Mas naiiyak ako pag naiisip ko na, kawawa naman pala ang kabiyak ko noong wala pa

ako sa piling niya. Sa init at pagod maghapon sa trabaho, wala siyang choice

kundi magluto pa rin pagkauwi para me makain, at gawin ang mga bagay mag-isa

tulad ng paglalaba.

Bigla akong nahiya sa sarili ko…naalala ko bigla yung mga araw na nagtatampo ako sa

kanya kasi hindi niya ako mapadalhan ng pera para mabili yung gusto ko. Yung mga

araw na natitiis ko siya dahil sa aking walang kabuluhang pagtatampo, natitiis ko

na hindi tumawag o magtext man lang…

Yung mga araw na wala akong ginawa kundi planuhin kung ano ang mga bagay na

ipabibili ko sa kanya pagdating ko dito.

Dahil pala bawat text na mabasa niya, ay laksang tuwa na ang dulot sa kanya. Bawat

tawag at dinig pa lang sa boses ay ibayong lakas ang bigay sa kanya…dahil sa bawat

baryang kinikita niya, wala siyang naiisip kundi ikaw na pamilya niya…

Ang hirap palang maging OFW…pag nakikita ko sa mga pictures yung ngiti nila,

mga magagandang lugar na pinapasyalan nila, mga pagkaing nakahain sa harapan

nila, sa likod ng mga ito, nakakubli ang ‘di masukat na lungkot at pangungulila.

Marahil ayaw nila na tayong mga kaanak nila ay mag-alala kaya tunay na sitwasyon

at nararamdam ay itinatago nila. Nakakaya nilang malayo at magtiis, mabigyan lang ng

magandang bukas ang kanilang pamilya.

Saludo ako sa lahat ng OFW na nagtitiis para sa mga pamilya nila.
***
Have fun investing (while you can)!

PS: I just found the above piece circulating in facebook. Share this post and and help our OFW and their families.
 
PS2: Ang hirap sa mga Pinoy, ang akala e parang dumadampot lang ng pera ang mga OFW sa ibang bansa.
Last Holy Week, may (malayong) kamag-anak kami na dumating from US.
Dumaan ng Maynila para mamanata na rin sa isang simbahan. Syempre, nagsipuntahan naman sa kanya ang ilan kong kamaganak para salubungin at kamustahin sya..
Ayun, nabigyan sila ng 500. Pang pamasahe lang din. So tingin ko disappointed sila.

If you're in OFW, it's time to make your relatives realize the importance of  proper financial planning.
It's not everyday that you'll work overseas, right? So help them help you... and your family.

PS3: Better yet, invite them to our Personal Finance + How to Win in Stock Markt Seminar this coming January 25 2014 at Gateway, Cubao! This seminar will equip them with tools in investing your hard-earned money.

Get also an exclusive bonus access  to our Investing in Philippines Private Mastery Group to help you maximize your learning from the seminar.
 

Get more details here.
Super early bird rate of 2497 1997 1497 ends on January 9 2014 so reserve your slot now!