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Investment Seminars

My 12 Key Takeaways from the Cashflow 101 Event

Two weeks ago, I attended the Cashflow 101 board game / workshop at the Crown Plaza Hotel in Ortigas, Pasig City. This was my second time to play this board game. The first time was early in 2012 and that was also the first time I heard about the stock market, which I shared on one of my blog posts HERE.

Few days prior to this event, I met the organizers of the Rich Dad, Poor Dad events here in the Philippines, the smart and lovely ladies from Laurus Enterprises – Joana, Paula, and Jev. 🙂

During that meeting, we talked about the upcoming ‘Masters of Wealth’ Business Conference with Robert Kiyosaki and 7 other International Speakers. They also mentioned that they will be holding the Cashflow 101 board game in November, few days before the big event.

I got excited and I even told them that I attended that same board game in the past and I’ve been wanting to attend Cashflow 101 again.

I was surprised to know that Laurus Enterprises is the exclusive organizer of Cashflow 101 workshops and Rich Dad activities in the Philippines and has been the official partner of Rich Dad Training (S.E.A.) Pte. Ltd. since January 2005. Unfortunately, the one that I attended in 2012 wasn’t organized by them since they don’t hold their events in a restaurant.

Hmmm, I wonder who the organizers were on that first Cashflow 101 board game that I attended…

Anyway, I told them that I was really interested to attend their Cashflow 101 event and it was so sweet of them to have given me 2 complimentary seats for me and my friend, Shyne.

WHAT IS CASHFLOW 101

For those who are not familiar with this game, Cashflow101® is a board game created by Robert Kiyosaki, author of the Best-Selling book, Rich Dad Poor Dad, to serve as a bridge from learning the Rich Dad concepts from the books towards applying those concepts in a safe environment first (no real money is involved in the board game, this serves as a practice ground). It is only through practice that the firm foundation of financial literacy is formed. (Source)

Cashflow 101 is a half-day event that will give participants an overview and hands-on understanding on what makes rich people richer and poor people poorer.

The main goal of this game is to get out of the Rat Race and onto the Fast Track by building up your Passive Income to be greater than your Total Expenses.

AT THE CASHFLOW 101 EVENT

The event was facilitated by Jerome San, the only person in the Philippines that has been personally trained by Mr. Bellum Tan, the CEO of Rich Dad Training S.E.A. Pte. Ltd. And he is also the CEO of Laurus Enterprises.

Jerome San shared the principles of the Rich Dad, Poor Dad by Robert Kiyosaki before, during, and after the Cashflow 101 board game.

There were around 200 participants of the Cashflow 101 event on November 8, 2015, and one moderator was assigned in each table with 8-10 participants. Paula Lopez was the one assigned to us at Table 8. 🙂

cashflow 101-boardgame-jerome-san

My Key Takeaways from the Cashflow 101 board game and workshop:

  1. Focus on building and acquiring assets rather than liabilities.

Assets – are things or properties that will continue to work for you and provide you income whether you work or not.

Is buying a car an asset or a liability?

Answer: It depends… Will it provide you income whether you work or not?

  1. Build more passive income than active income and expenses. This will prepare you for your financial freedom.
  1. People don’t get started because they focus on the lack of capital, time, and know-how.

What to do?

Know what you have now – your resources, knowledge, skills, talents…

You might have what you need to get started. And along the way, the journey will provide what you need.

  1. Start small, think big. Start small, start now!

A lot of people always think of becoming rich right away. They want to have a huge business and lots of assets. But we should always remember, that it takes big to have big. Learn how to start small, but have a big goal in mind.

  1. If you’re employed, you work hard for money. If you have a business, your money work for you.
  2. If you’re building a career, make sure you’re building YOUR assets, and NOT someone else’s assets. (My favorite of all and also a wake-up call for myself)
  1. Use debt as a leverage to take advantage of opportunities.
  1. Take risks. Learning doesn’t only happen in school but also when you take risks. The greatest risk is NOT to take the risk at all.
  1. Every opportunity comes from a problem. Don’t be afraid when you encounter a problem for every crisis comes an opportunity.
  1. Solve small problems, get small profit. Solve big problems, get big profit.

Problem solving is a skill. The good thing is, skill can be acquired.

  1. Always play above the line. You’ll see your greatness if you see yourself above the line. Everyone is given different sets of potentials and skills. Our task is to enhance and maximize our skills to come up with something greater.
  2. Knowledge is not power. Knowledge is power with ACTION!

(Just a disclaimer, this list is only based on what I remember from the event and may not necessarily mean that these are the exact words or principles of the Cashflow 101 or Rich Dad, Poor Dad training.)

Even if I already attended the Cashflow 101 game before and I already had an idea how it was played, I was still very excited to play it again. And I wasn’t disappointed. I enjoyed every bit of the game. I learned a lot and I had so much fun. I was also one of the few lucky participants who finished the game with higher passive income than expenses, which is one of the main goals of this board game.

My challenge now is to apply the principles I learned from the Cashflow 101 event and to start working on building my passive income and acquiring assets over liabilities.

I know it’s easier said than done but I’ll do my best to follow these principles in real life.

Robert-Kiyosaki-LIVE-in-Manila

Robert Kiyosaki LIVE in Manila for the Masters of Wealth Business Conference

I would also like to take this opportunity to invite you to the Masters of Wealth Business Conference with Robert Kiyosaki and 7 other International Speakers including:

  1. Andrew Matthews – Best-selling Author and International Speaker
  2. J.T. Foxx – World’s No. 1 Wealth Coach
  3. Robert Riopel – Top International Trainer
  4. Bellum Tan – CEO of Rich Dad’s Training (S.E.A.) PTE LTD.
  5. Richard Duncan – Economist and Best-selling Author
  6. Mario Singh – Asia’s #1 Forex Coach
  7. Peng Joon – Authority in Wealth Creation Online

What You Will Learn:

  • The importance of financial education
  • Why right now is your best opportunity to start a successful business
  • How good debt is easy to get and can make you rich
  • Raise venture capital to fund your dream
  • The skills you must know for business, sales, and entrepreneurial success
  • What holds back the average person from achieving more in life
  • How to transition from an employee mindset to a business owner mindset
  • The good, the bad, and the great opportunities to thrive in 2016
  • What you will need to capitalize on global volatility in 2016
  • Generate multiple streams of income before the crash in 2016

This is a rare event and it will happen on November 30, 2015 at the SMX Convention Centre, Mall of Asia, Pasay City. You may visit Manila Workshops for more details and ticket availability.

This is rather a long post but I hope you learned a lot from what I shared here. Thanks for reading and let’s hope and pray for a brighter future for all of us!

How about you, have you already attended the Cashflow 101 event? How was your experience and what did you learn from the game? 

Categories
Random Updates Seminars

My WAHM Story: How I Became a Work-at-Home-Mom

I didn’t have any idea about being a WAHM until I attended the WAHM 101: How to be a Work at Home Mom Workshop on June 28, 2014.

It was only a month after I resigned from my 7-year employment at the call center when I learned about this workshop. The main reason I resigned from my job was because I wanted to stay close to my baby as often as possible. When I was at work, I always got distracted by the thought of my baby, who’s left at home, and I wanted to change that by staying at home for good.

My plan was to look for a job opportunity that I can do at home. I was still happy with my job, but I knew I would be happier if I see and bond with my baby, while working from home at the same time.

So I attended this workshop…

WAHM 101 Workshop, June 28, 2014 

Martine De Luna, the Director of the WAHMderful Life Community, shared tips on how to transition from being a “working girl” to being a WAHM or Work-At-Home-Mom. Then we had an activity where we discussed why we want to be a WAHM and what we intend to do as WAHMs. Marge Aberasturi of TheHappyWahm, joined our group during the activity and she also shared with us her WAHM story.

There was also an Interactive Panel Discussion entitled, “Are you Ready for the WAHM Lifestyle?” with Louisa Mercado, Hana Pangan, and Sammy Tan as panelists.

Some of the topics discussed include:

  • Their personal WAHM Stories
  • Time & Home Management Tips
  • Stress Management
  • WAHM Home Office / Workspace
  • Online Profiles / Portfolios
  • Job Opportunities for WAHMs

I’m very grateful that I attended this workshop because it opened my eyes to opportunities that I’ve never imagined I would do in the weeks and months that followed.

Martine and Marge were the first two WAHMs who inspired me to be a WAHM. When I learned that they have their own websites and most of the other WAHMS at the event have blogs, I got inspired to build my own blog too.

I had no idea how to build a blog, but I was motivated enough that I was able to create my own website from scratch in one week. And it is this blog, www.pinayinvestor.com.

After few weeks, I created my second blog, http://explorermom.pinayinvestor.com.

I remember, Marge said that our blog is like our online CV. It makes it easier for employers to find us. Aside from looking for employers or employment opportunities online, having a blog can lead them to us.

The WAHM 101: How to be a Work at Home Mom Workshop included 4 FREE Mastermind Sessions, which I all attended.

The first Mastermind Session was “How to have the heart of WAHM” with Martine De Luna. She shared various tips on how to make a living while making a home and the different opportunities in blogging.

WAHM Mastermind Session 1, July 26, 2014
WAHM Mastermind Session 1, July 26, 2014

The second Mastermind Session was “Homebased Business Ideas Brainstorm” with Ginger Arboleda. She emphasized the importance of self-discovery: Understanding the “YOU” brand. This was the first time I heard Ginger talk and I was really inspired.

WAHM Mastermind Session 2, August 30, 2015
WAHM Mastermind Session 2, August 30, 2015

The third Mastermind Session was “How to Make a Business Plan” with Ginger Arboleda. She explained to us the importance of having a business plan and she taught us how to make one which we can apply in our own businesses.

WAHM 101 Workshop, June 28, 2014
WAHM Mastermind Session 3, September 27, 2014

The fourth Mastermind Session was “Marketing Strategies for WAHMs” with Marge Aberasturi. Aside from the marketing strategies that she shared with us, she also gave us ideas on how and where to find WAHM opportunities online like Virtual Assistance and Blogging.

WAHM Mastermind Session 4, October 4, 2015
WAHM Mastermind Session 4, October 4, 2015

I also went to the Work-At-Home Weekend Expo on October 25, 2014, but I didn’t get the chance to listen to the premium talks because I had other plans that day.

These WAHM events were established by Martine De Luna, the Director of the WAHMderful Life Community and Ginger Arboleda, the General Manager of Manila Workshops.

I’m truly thankful that I attended the WAHM workshops. I learned so many things from the speakers and fellow WAHMs. I never thought that I would be able to create my own blog, but it was made possible because of the inspiration that I got from these lovely and smart WAHMs.

Two months later, I became an Event Director of Manila Workshops, and just recently, I was appointed as COO of the company. I feel blessed and I’m so grateful to Ginger, my boss, for believing in me.

WAH Expo 2015
WAH Expo 2015

This coming Saturday, September 26, 2015, we’re having the “Work-At-Home Expo 2015”, and I personally invite you to attend this event. We have different talks which I’m sure you’ll find interesting and helpful especially if you’re planning to work at home. Everyone’s encouraged to join, not only the moms or ladies. Who knows, you might be able to find your next gig or meet new friends here. 🙂

To know more about the WAH Expo 2015, please visit Manila Workshops.

And btw, I’ll be the host/emcee of this event, so if you can make it to the Expo, feel free to approach me. 🙂

See you there!

 

Photo Credits: Manila Workshops

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Categories
Seminars Stock Market

Stock Smarts Workshops: How to Invest in Stock Market

My first assignment as an Event Director of Manila Workshops was the Stock Smarts Series, in partnership with Marvin Germo. It started in January of this year and we already had four runs as of this month.

We had 4 modules during the first run, which include:

  • Basics of Stock Market
  • Intro to Technical Analysis
  • Advanced Technical Analysis
  • Fundamental Analysis

It was held at the Berjaya Hotel in Makati City, where we had a total of 41 participants for this series.

Stock-Smarts-January-2015

The same topics were tackled during the second run at Voffice, Fort Legend Tower, in Taguig City with a total of 25 attendees.

Stock-Smarts-April-2015

We tried a new set of modules for our third run this year and we called it the Comprehensive Technical Analysis Series, which include the following modules:

  • Basics and the Foundations of Technical Analysis
  • Market Trends, Volume Related Trading, Market Phases, and Moving Averages
  • Stock Market Trading Oscillators
  • Candlesticks, Comprehensive Chart Patterns, Fibonacci Analysis

It was held at the Freelancer Conference Hall, Ecotower, in Taguig City, where we had a total of 25 attendees. Majority enrolled for the entire course / series.

Stock-Smarts-July-2015

On our fourth run, we included two modules from the first run, Basics and Fundamental Analysis, and we added a new module, which is Portfolio Management. Surprisingly, this is the run where we had the most number of attendees, having a total of 45.

Stock-Smarts-September-2015

Our speaker, Marvin Germo, is a Registered Financial Planner and an author. His ability to simplify complicated investment concepts, making it easier to understand has made him one of the most sought after money speakers here and abroad. With his over seven years of experience in the Philippine financial industry, his energy and zeal to educate the Filipino people has transformed ordinary consumers into investors.

As an advocate of Financial Literacy, I’m happy and proud to be part of this project, where I get the chance to share to others the opportunity to learn more about financial education. Our economy and our country as a whole, has so much to offer, and we hope that through these workshops, we’d be able to help and encourage our kababayans to take part in its progress.

This October, we’re going to have our fifth run of Stock Smarts and it will be a rerun of the Comprehensive Technical Analysis series with the same modules.

Stock Smarts CTA October 2015 Poster

Whether you’re a complete newbie in the stock market or you’re already investing or trading, I personally invite you to this upcoming Stock Smarts series. Technical Analysis is one of the best tools to find the perfect timing in buying and selling stocks. Having the knowledge of Technical Analysis will help you trade or invest in the stock market with confidence.

Plus, in these workshops, participants will be given a chance to analyze stocks using the different techniques that Marvin will teach.

For more info and to register in these workshops, please visit Manila Workshops. You may also CONTACT ME directly or post your comments below.

See you there! 🙂

Categories
Seminars

iCon 2015 Investment Conference – An Empowering Experience!

I was privileged to attend the Investment Conference 2015 (#iCon2015) by Mr. Randell Tiongson at the SMX MOA Convention Center yesterday, May 30, 2015, where most of the country’s experts in Finance and Investment were present. Big thanks to Marvin Germo of Stock Smarts for inviting me to the event! 🙂

I went there to co-promote the upcoming workshops of Marvin in partnership with Manila Workshops, which is the Comprehensive Technical Analysis Series to be held in June-July of this year. It was also the book launch of Marvin’s third book, entitled, Stock Smarts Stress-free Investing, which was a big hit at the event. And thanks also to Mrs. Stock Smarts, Yvonne Goh-Germo, for giving me a copy of this book. 🙂

#iCon2015-Investment Conference-Randell Tiongson

So how did the conference go?

This year’s iCon was a full house with more or less 1,500 people present at the SMX MOA Convention Center.

I was able to take a few notes from some of the speakers before I got busy accommodating inquiries for our workshops.

Pinay Investor-with-Randell Tiongson
With Mr. Randell Tiongson, the pioneer of iCon Investment Conference

The first speaker was none other than the man behind iCon, Mr. Randell Tiongson, a columnist, and best-selling author of “Money Manifesto,” who talked about balancing finances and investments and an overview of growing trends that affect investing.

According to him, there are more reasons to invest in the country including strong infrastructure development, public private partnerships, demographic sweet spots, and the increasing number of OFWs and BPOs.

He also stressed that interest rates are so low, thus we have no choice but to INVEST!

How?

Invest EARLY, WISELY, and REGULARY.

Step 1 – Improving Cash Flow

Step 2 – Getting out of debt

Step 3 – Setting up your Emergency Fund

Step 4 – Getting protected from life’s risks

Step 5 – Investing for your future

Pinay Investor-with-Chinkee Tan
With Mr. Chinkee Tan, radio host, wealth coach and best-selling author of “Till Debt Do Us Part”

The second speaker was Mr. Chinkee Tan, a radio host, wealth coach and best-selling author of “Till Debt Do Us Part”. His topic was: Breaking the Entrepreneurship Mindset.

Some of us think that the rich people became rich because they have a lot of money. But according to Sir Chinkee Tan, money does not create money. It’s the ideas that create money.

“If you have a burning idea as an investor or entrepreneur, never allow the lack of money to stop you from working on that idea and making it big.” (not his exact words but it was something like that)

3 reasons why people fail are the lack of knowledge, fear, and greed. That’s why he suggests,

  • Only invest in what you understand
  • Don’t use your feelings / emotions in investing
  • Never invest out of greed (because greedy people get burned)

How to invest successfully?

  1. Invest WISELY – Knowledge is power, as well as investment.
  2. Invest CONSISTENTLY – It takes time to achieve financial freedom.
  3. Invest PATIENTLY – Patience is truly a virtue in successful investing.
  4. Invest CAUTIOUSLY – One rule of investing to live by: Always have a backup plan.

In investing, hope for the best, but expect for the worst as well, because anything can happen. Don’t invest all your hard-earned money. Only invest what you can afford to lose.

Program-flow-ICON2015
iCon 2015 Program Flow

This is the official copy of #iCon2015’s program flow with the complete list of speakers and their topics. Unfortunately, I wasn’t able to take additional notes from the other speakers because I was busy promoting our workshops and accommodating inquiries. But I sure did learn a lot from all of the speakers.  

This year’s Investment Conference was indeed a big success — power-pack, informative, insightful, and empowering! Congratulations to Sir Randell Tiongson and his team! I can’t wait to attend next year’s iCon! 🙂

Sharing some of my photos at the event…

It was my second time to listen to Mr. Francis Kong in an event like this and I always get inspired by his wisdom and public speaking skills. 

Mr. Francis Kong: My wife is my great TREASURE…

Audience: Ohhh, so sweet.

Mr. Francis Kong: and my great TREASURER as well.

Audience: clapped and laughed out loud 🙂

Investing is not all about building wealth. According to Mr. Kong, we should also invest in other things like:

1. Investing in yourself – attend trainings/seminars/courses that will add value to you.

2. Investing in good friends – they are the people who can bring out the best or worst in you.
3. Investing in culture and adventure – experience is always the best teacher.
 
4. Investing in your family at all times – they are the reason you are striving to be the best.
5. Investing in spirituality – remember, everything that we have comes from God. We should give thy glory and honor to Him who make things possible. 

(Courtesy of TheCristobal.info

I first met Sir Efren Llamas Cruz at the #FFF2015 event and we had a photo together but he had already left the venue when I realized that our photo was blurred. So when I saw him at the #iCon2015 event, I made sure that we’ll have a photo taken together and this time it was clearer. Yay! 🙂 

Sir Efren talked about Managing Investment Risks and he emphasized the importance of diversifiying our investment. Don’t put all your eggs in one basket. Meaning, we should put our funds in savings, mutual funds, stocks/equities, among other options. 

I also had the chance to have a small talk with Jess Uy after his talk on Global Investing, where he stressed out the importance of thinking global. He said that it’s good to invest in the Philippines because of its high investment grade, but we should also consider other investment opportunities outside the country. He also mentioned that in Singapore and some other countries, we can buy insurance 3 times cheaper than its price in the Philippines for the same or even higher value. Hmm, that sounds interesting!:) I also commended him for his amazing video presentation during his talk. It was nicely done. Very unique and powerful. 

And of course my favorite speaker, Marvin Germo! 🙂 He never fails to amaze his audience by his wit and humor, and his ever-sweet jokes about his being a loving and understanding husband to his lovely wife, Yvonne, who was sitting right beside me during the event because we were on the same table. 🙂 

Carl Dy, a propery investor and the President of Spectrum Investments, was also at the event, together with Ms. Christine Foong-Wong, the founder of Rhemaworks in Singapore to introduce and invite people to their “Spectrum Education.” Ms. Wong answered the question of “what is stopping us unconsciously from having it all in our life?”, where she shared a little bit about herself and experiences before she founded Rhemaworks.

Lianne Martha Laroya, commonly known as the Young Pinoy Millionaire and the founder of thewiseliving.com, was also at the event to promote her book. I’ve seen Lianne a couple of times in some of the seminars that I’ve attended and we’ve exchanged emails too, but we never had a photo together. So when I saw her at the iCon2015, I made sure that I won’t leave the event without taking a photo with her. We had our photo together finally! (medyo blurred nga lang hehe).

I also saw one of my good friends in college and my co-varsity player of Arnis :), Vanezza Bayaton-Obispo, who now works for MoneySense

I’ve heard a lot about Marvin’s wife during his workshops (which I organized), and I was pleased to finally meet her in person. Such a wonderful and approachable lady. It was nice meeting you, Mrs. Stock Smarts, Yvonne Goh-Germo! 🙂 And it was also nice to see Rhizza Diaz again, whom I first met at the FFF2015 event. Thanks for taking most of my photos with the experts! 🙂

With-Yvonne Goh Germo-and-Rhizza Diaz
With Yvonne Germo and Rhizza
Categories
Seminars

What I Learned from the Financial Fitness Forum 2015

It was a privilege to attend the Financial Fitness Forum 2015 yesterday where most of my “idols” in the personal finance field were present. I was asked to attend the event to co-promote the upcoming Stock Smarts Workshops by Marvin Germo (in partnership with Manila Workshops) and to make the registration available to those who are interested to enrol for the April 2015 run.

For those who are not familiar, this Financial Fitness Forum is a one-day personal finance event that features the luminaries of the Registered Financial Planner Institute of the Philippines. It was headed by Mr. Henry Ong, also known as the “Father of RFPI Philippines”, who was visible the whole time, making sure that everything was going smoothly. And it went well indeed! Everything was organized and the speakers committed to the time allotted for their talks. As a result, the event finished on time.

Financial-Fitness-Forum-2015
Financial Fitness Forum 2015

 

This was my first time to attend the Financial Fitness Forum and I could say that they had a perfect line-up of speakers this year.

  1. Efren Cruz “Where does all my money go?”

A lot of people look up to him, including myself, because of his expertise in terms of money management and personal finance. Not only did he share different Money Tips during his talk, but he also shared his talent in singing and playing guitar.

I got the chance to take a photo with him and I wished it was clearer but he had already left the venue when I saw that our photo was blurred so I didn’t get the chance to have another shot. Next time!

Pinay Investor-with-Mr. Efren Ll. Cruz-at-the-Financial-Fitness-Forum-2015
With Mr. Efren Ll. Cruz at the Financial Fitness Forum 2015
  1. Edric Mendoza “How to create your own education plan”

The main host of ANC on the Money discussed the importance of planning for children’s education. He and his wife homeschool their five children and he shared how much they’re able to save (financially) by not having to send their children to exclusive and expensive schools and how fulfilling it is to share quality learning time together at their own home.

His son, Elijah, also spoke at the event, and he shared his experiences as a homeschooled son. He is truly a smart boy!

Edric shared DIY Tips which stand for:

D – Do your research.

I – (I’m sorry I forgot the I :). Can somebody please post a comment below and tell me what the “I” stands for? Thanks! 🙂 )

Y – Y? (As in Why? Or finding and knowing the real purpose of why you’re doing what you’re doing…)

  1. Aya Laraya “The Mirage of Long Term Investing”

Aya emphasized the importance of setting and defining goals in investing. That there should not be such thing as short term or long term investing because at any point we could be both. I don’t know if I got it correctly, but I think what he was trying to say was that we should be flexible when the need to shift from short term to long term or vice versa calls for us.

  1. Marvin Germo “Winning Strategies for Investing in Stock Market”

I’ve been working with Marvin for some of his seminars and I’ve heard him talk a lot of times already about the same topic but I always learn something new from him when he talks. He truly is a rock star in stock market investing.

One that I got from him during this event was that, no one knows what’s going to happen in the stock market, not even experts. But with proper strategies, there is a big chance that you will be a successful trader or investor. And that’s exactly what he teaches, the winning strategies for investing in the stock market.

  1. Randell Tiongson RFP Video Presentation / Announcements

Randell was also the Co-host on this event. He shared a little bit about his experiences as a personal finance expert and an advocate of financial literacy.  He showed the RFP Video Presentation and what RFP is all about, plus some announcements.  

I also got the chance to take a photo with him and Marvin, and I was surprised when he said that he thinks he knows me or that I looked familiar. Maybe he’s seen me on my blog. 🙂

Pinay Investor-with-Randell Tiongson-at-the-Financial-Fitness-Forum-2015
With Randell Tiongson at the Financial Fitness Forum 2015
  1. Christopher Cervantes “How to build your wealth towards financial independence”

Most of the speakers in this event have talked in the seminars that I have previously attended except for Christopher Cervantes, who is a Seafarer and also a Registered Financial Planner. I’ve heard a lot about him before, but it was my first time to see him talk in an event like this. Just like most OFWs, he too experienced how much money he spent on pasalubong when he’s about to come home for vacation. When he found the opportunity to learn financial management, his perception about money changed along with his financial status, and also giving him the chance to share what he knows about investing with his fellow seafarers.

  1. Salve Duplito How to Master the Art of Managing your Finances”

It was my second time to hear about Salve’s humble beginnings. Just like the first time I heard about it, I was again moved by her story. She was born to a poor family but she never felt poor because of the love and support of her family. She was motivated to do her best and be the best that she can be because she believed that it’s not her status that will define her as a person but who she is and what she does best.

This is not exactly what she said but it was something like this.

“Don’t let your status define who you are, strive for the best and let it define the real you and not what others say about you.”  

  1. Jeff Gonzales “How to Create your own Mutual Fund”

I regret that I missed this talk. I had to go out of the Convention Hall to charge my laptop and when I came back, he was already wrapping up his talk.

Based on how I understand the title of this topic, creating our own mutual fund is like diversifying our investments or assets. It’s always safer not to put all our eggs in one basket…

  1. Fitz Villafuerte “How to Invest Effectively to Achieve your Financial Goals”

Fitz is one of most influential bloggers in the country. No wonder he has a lot of followers because he never gets tired of sharing and inspiring others to invest effectively to achieve financial goals.

When we had our first project together in February of this year, I wasn’t surprised that we got a lot of sign-ups because Fitz was the speaker and he totally is an expert in personal finance.  

Pinay Investor-with-Fitz Villafuerte-and-Ginger Arboleda-at-the-Financial-Fitness-Forum-2015
With Fitz Villafuerte and Ginger Arboleda at the Financial Fitness Forum 2015
  1. Lianne Laroya “9-secret sweldo tips to become Millionaire”

I’ve seen Lianne a couple of times already and we exchange emails sometimes but we haven’t gotten the chance to talk in person yet. Not even a photo together! 🙂 She sent me a copy of her book and her stories are really inspiring.

She’s only twenty-three and it’s great to listen to someone like her, whose advocacy is to spread financial literacy especially among people at her age or the “twenty-somethings”.

  1. Kendrick Chua “Think Intsik: Money Habits of the Chinese”

Kendrick shared his grandparent’s humble beginnings and how his mom strived to build wealth to send them to exclusive schools and have a good life. He also explained the difference between being “kuripot” and being frugal, and why being frugal makes a lot of the Chinese people rich. Defining your priorities, knowing the difference between wants and needs, delayed gratification, and hard work are just some of the tips he shared to be able to achieve wealth and be financially independent.

Panel Discussion: “Do you really need a financial planner?”

Jesi Bondoc, Edwin Suson

During the panel discussion, the panellists shared a little bit about their background and their take on the importance of having or consulting a financial planner. Most, if not all of them, agreed that it’s really a must to consult a financial planner and it doesn’t matter whether we have lots of money or we only have limited funds. Financial planning is for everyone. Many people aspire to have a comfortable financial life, but they never take the effort to plan for their finances early on.

I’m glad that more and more people are taking the RFP Program because that would mean that more and more people will benefit from it. I was invited to attend the Introduction of the RFP Program late last year and I was really interested to take it, but there were conflicts in schedule. I’m hoping that I’d be able to take the program soon.  

Financial Fitness Forum 2015 at SMX Aura
Financial Fitness Forum 2015 at SMX Aura, Taguig

Rienzie Biolena: Closing Remarks

I didn’t get the chance to listen to Rienzie’s closing remarks because I had to accommodate inquiries and registration for the Stock Smarts workshops, but I did a little bit of research about him. Just like the other speakers, he is also an advocate of financial literacy and he writes about financial planning and other related topics on Rappler and Moneysense. He also guested on ANC On the Money before, where he stressed the importance of investing in one’s self by attending seminars and conferences, reading personal finance books, searching the web, and watching personal finance programs to increase our knowledge and capability to earn and expand our resources, and to be able to manage our assets properly.

#FFF2015 - Financial Fitness Forum 2015
#FFF2015 – Financial Fitness Forum 2015

It was a long day for me but it’s all worth it because I learned so much from all of them. I’m looking forward to attend the next Financial Fitness Forum in 2016.

How about you? Were you able to attend the #FFF2015? How was your experience and what did you learn from the speakers? I hope to hear your thoughts in the Comment Section below.

Disclaimer: The contents are only based on my own interpretation of what I heard from the forum and the speakers and not necessarily their exact words. Feel free to contact me if there’s a need to modify anything from the content. 

Credits: RFPI Philippines, Financial Fitness Forum 2015

Categories
Random Updates Seminars

My Experience working with Marvin Germo and attending his Stock Smarts Workshop Series

My first project with Manila Workshops as an Event Director was a success and I’m proud of it! 🙂

I’ve never seen Marvin Germo before, but I have been hearing a lot of good things about him, especially when it comes to stock market investing. When I learned from Ginger, the General Manager of Manila Workshops, that I’ll be working with Marvin for his Stock Smarts Workshop Series, my heart jumped in excitement because I will finally see him in person. I only knew him as the “Stock Smart”, but I later found out that he’s also a rock star! 🙂

Pinay-Investor-at-Stock-Smarts
Pinay Investor welcoming the attendees of the Stock Smarts Workshops and introducing the Speaker, Marvin Germo (who took this photo! 🙂

After coordinating with him for a couple of days through texts, calls, and emails, I finally got to see him personally on the first session of the workshop series. He came into the venue/room wearing sunglasses and when he took it off, I was starstruck! I just saw one of my idols in finance! Haha! 🙂

Because I was at the event, I also got the chance to listen to Marvin as he was discussing the different topics of the Stock Smarts Workshop Series.  And I could say that he is indeed a Stock Smart. He knows his craft very well and he’s able to deliver it to the audience without boring them. I’ve attended a lot of seminars before, but this was the most intensive and comprehensive stock market workshop that I’ve experienced so far. His approach is very light and cool. I’m not saying this because we work together, but because that’s what I experienced. In fact, I’ve been investing in the stock market for almost a year now and I’ve only discovered some of the very useful techniques and strategies in the stock market from his workshops. Now I understand why most of the attendees didn’t mind paying a ‘lot of money’ to attend the workshops because they got what they paid for and it’s totally worth it.

We got the chance to talk after he finished the two workshops on the first day. He was very friendly and accommodating. He shared a little bit about himself and what he does and I’m impressed with his passion, hard work, and dedication to help Filipinos achieve financial freedom by investing in the stock market.

And it was so nice of him to give me a copy of his new book plus a dedication when I half-jokingly asked for it. And of course, knowing myself, I won’t let the day pass without having a photo taken with him. 🙂

Pinay-Investor-with-Marvin-Germo
Pinay Investor with Marvin Germo at the Stock Smarts Workshops

The Stock Smarts Workshop Series is composed of four modules, namely, Stock Smarts Basics, How to Find the Perfect Timing in Buying and Selling Stocks, Technical Analysis, and Fundamental Analysis. It’s a full course (but you can attend any module), that’s intended to teach the ins and outs of the stock market from the basic essentials to the most complex topics like technical analysis using chart patterns and oscillators and other tools. And Marvin’s role here is to simplify everything to make it easier for the investors to know how the stock market works without bombarding them with a lot of information.

Below are some of our pictures during the workshops.

Stock-Smarts-Workshop-Basics
Stock Smarts Basics and Perfect Timing by Marvin Germo, January 31, 2015
Stocks-Smarts-Marvin-Germo
Stock Smarts Technical Analysis by Marvin Germo, February 12, 2015
Stock-Smarts-Marvin-Germo
Stock Smarts Fundamental Analysis by Marvin Germo, February 26, 2015

After the success of the first run of the Stock Smarts Workshop Series this year, we will be having a re-run this April 2015. Yes, so please reserve all your Monday evenings this April if you want to attend this series and learn how to the invest in the stock market, the Stock Smart’s way!

  • Stock Smarts Basics
    April 6, 2015 (Monday)
    6:00 pm – 10:00 pm
  • Perfect Timing
    April 13, 2015 (Monday)
    6:00 pm – 10:00 pm
  • Technical Analysis
    April 20, 2015 (Monday)
    6:00 pm – 10:00 pm
  • Fundamental Analysis
    April 27, 2015 (Monday)
    6:00 pm – 10:00 pm

For registration or for more info, please visit this LINK, or feel free to contact me! 🙂

I’d also love to hear your thoughts about investing in the stock market or maybe you’ve already attended one of Marvin Germo’s workshops before, so feel free to share it with us here!

Categories
Random Updates Seminars

I’m now officially part of Manila Workshops! :)

After resigning from my 7-year employment with a BPO company last May 2014, I spent most of my time learning new skills and adding value to myself by attending seminars and workshops.

I like attending seminars because it offers a more interactive learning experience plus I get to meet the speakers and other participants in person. It also gives me a good idea on what topics to write and share to my readers which gives me that sense of value and fulfillment.

Below are some of the significant seminars and events that I’ve attended.

  • Cashflow 101 by Robert Kiyosaki
  • Financial Management
  • Stock Market and ForEx
  • Technical and Fundamental Analysis in Investing
  • Philippine Retail Investment Conference
  • FLEX and ALC Leadership Seminars
  • Strategic Communication
  • WAHM 101 with Mastermind Sessions
  • Love the Leap Program

Most of them are related to Personal Finance and some are about Personal Development and Entrepreneurship because admittedly, those are the topics that I’m most passionate about. Aside from the valuable learning experiences that I get from attending seminars, it also serves as my guide to achieving my personal and financial goals.

As an advocate of financial literacy and a believer of continuing education, I am very excited to announce that I’m already a part of Manila Workshops (under GPA Events Management Services), which is owned and managed by my mentor (of the Love the Leap Program) and mompreneur, Ginger Palma-Arboleda.

As an Event/Workshop Director, I will be handling different workshops series about Personal Finance and Investments. And I’m privileged (and thrilled) that I’ll be working with two of the most popular and award-winning Personal Finance Experts in the Philippines, Fitz Villafuerte of Ready To Be Rich and Marvin Germo of Stock Smarts.

Please watch out for my posts about our upcoming Workshop Series! 🙂

Categories
Business Seminars

PhilSME Business Conference/Expo 2014

I went to the PhilSME Business Expo at the SMX Convention Center in Pasay City on November 21, 2014. This is a 3-day event but I was only able to go there on the first day which was on Friday because I had other commitments on the weekend.

The Philippine Small and Medium Enterprise Expo 2014, now on its 2nd year, is dedicated to “Boost Your Business” and to serve as a gateway for the ASEAN small and medium enterprises to build new relationships, network and do business amongst SMEs and its supporters. With over 200 exhibiting companies from 18 business sectors, and 20,000 expected visitors, PhilSME 2014 is the largest gathering of small and medium-sized businesses in the Philippines. (Source)

I was very interested to attend the Business Conference that’s why I made sure that I was available especially on the first day of this event and thankfully I was.

I went there with my mom for the afternoon talks that was supposed to start at 1:00PM but it was delayed for almost an hour and thus the program was also finished late at around 8PM. I regret though that I missed the talk of the keynote speaker, Senator Loren Legarda, which happened in the morning. 

Here are the speakers with their topics and some of the things I learned from their talks…

ASEAN Integration: ARE YOU READY?
Learn what every entrepreneur should know in the upcoming economic integration and discover various strategies on how to be an entrepreneur champion. 

Speaker: Paulo Tibig, Motivational Speaker, Best-Selling Author, President and CEO of VCargo Worldwide

Paulo Tibig, Motivational Speaker, Best-Selling Author, President and CEO of VCargo Worldwide
Paulo Tibig, Motivational Speaker, Best-Selling Author, President and CEO of VCargo Worldwide

THE POWER OF ONLINE RETAILING: HOW TO TURN CLICKS INTO CUSTOMERS?
Explore The benefits of online retailing, uncovering methods to deliver seamless shopping experience to your customers. 

Speaker: Arianne Kader, Marketplace Director of Zalora Philippines 

Arianne Kader: THE POWER OF ONLINE RETAILING: HOW TO TURN CLICKS INTO CUSTOMERS?
Arianne Kader, Marketplace Director of Zalora Philippines

DOING BUSINESS WITH A BIG HEART: HOW TO BUILD A SOCIAL ENTERPRISE?  
Learn inspiring stories of people who made it big while having a heart for the community. 
Speakers: Brian Tenorio, Founder of KKK Coffe 
                Terri Jayme-Mora, Country Manager of Ashoka Philippines

Brian Tenorio: DOING BUSINESS WITH A BIG HEART: HOW TO BUILD A SOCIAL ENTERPRISE
Brian Tenorio, Founder of KKK Coffee
Terri Jayme-Mora: DOING BUSINESS WITH A BIG HEART: HOW TO BUILD A SOCIAL ENTERPRISE?
Terri Jayme-Mora, Country Manager of Ashoka Philippines

START-UP TALK: TURNING IDEAS INTO A MULTI-MILLION BUSINESS
Learn the latest in innovation and technology that will definitely transform what’s inside your mind into a venture worth millions. 
Speakers: Shawn Sy, from SEO Hacker

    Christian Besler, VP and Head of Community Engagement Kickstart Ventures 
    Earl Valencia, Founder of IdeaSpace Foundation 
    Ria Lu, President/CEO of Komikasi Games and Entertainment 

Shawn Sy: START-UP TALK: TURNING IDEAS INTO A MULTI-MILLION BUSINESS
Shawn Sy, from SEO Hacker
Christian Besler: START-UP TALK: TURNING IDEAS INTO A MULTI-MILLION BUSINESS
Christian Besler, VP and Head of Community Engagement Kickstart Ventures
Earl Valencia, Founder of IdeaSpace Foundation
Earl Valencia, Founder of IdeaSpace Foundation
Ria Lu, President/CEO of Komikasi Games and Entertainment
Ria Lu, President/CEO of Komikasi Games and Entertainment

HOW TO MARKET YOUR SMALL BUSINESS TO A GLOBAL AUDIENCE? 
Discover the hottest and effective marketing and sales methods that will make your business go global. 
Speakers: Yayu Javier President and COO of Avanza Inc. 
    Arlene Padua, CPM President and Managing Director of Post 10 Worldwide Firm 
    Justin Gatmaitan, Blue Diamond Executive of NUSkin Philippines 

    Robert Tan, PTV Channel (the only channel run by the government)

    Lars Wittig, Regus Philippines

Yayu Javier, President and COO of Avanza Inc.
Yayu Javier, President and COO of Avanza Inc.
Arlene Padua, CPM President and Managing Director of Post 10 Worldwide Firm
Arlene Padua, CPM President and Managing Director of Post 10 Worldwide Firm
Justin Gatmaitan, Blue Diamond Executive of NUSkin Philippines
Justin Gatmaitan, Blue Diamond Executive of NUSkin Philippines
Robert Tan, from PTV Channel (the only channel run by the government)
Robert Tan, from PTV Channel (the only channel run by the government)
Lars Wittig, Regus Philippines
Lars Wittig, Regus Philippines

TASTE OF SUCCESS: HOW TO BUILD AND RUN A FOOD BUSINESS? 
Discover success stories of food enthusiasts, sharing their gastronomical experiences and tips on how to run your own food business. 
Speakers: Rudolf Kotik, CEO and Founder of RK Franchise Consultancy 
               Kian Kazemi, Restaurant Owner of Persia Grille 

Rudolf Kotik, CEO and Founder of RK Franchise Consultancy
Rudolf Kotik, CEO and Founder of RK Franchise Consultancy
Kian Kazemi, Restaurant Owner of Persia Grille
Kian Kazemi, Restaurant Owner of Persia Grille

FINANCIAL PLANNING FOR START-UP BUSINESSES 
Learn the financial do’s and don’ts when starting your own business.  
Speaker: Navin Uttamchandani, Chief Operating Officer of Esquire Financing Inc. 

Navin Uttamchandani, Chief Operating Officer of Esquire Financing Inc.
Navin Uttamchandani, Chief Operating Officer of Esquire Financing Inc.

ADDITIONAL TALKS:

Quality Matters: Enhancing Philippine SMEs Competitiveness in the Global Arena
Speaker: Edgardo S. Juan, President of PhilMSTQ Inc. 

Edgardo S. Juan, President of PhilMSTQ Inc.
Edgardo S. Juan, President of PhilMSTQ Inc.

Solutions to go Global
Speaker: from FedEx

He's from FedEx (sorry, i didn't get his name)
He’s from FedEx (sorry, i didn’t get his name)

 

The Master of Ceremonies/Host was the journalist/reporter, Ms. Michelle Orosa-Ople.

My KEY TAKEAWAYS from this conference:

  1. Innovate and not Evaporate (Paulo Tibig)
  • Because competitions innovate, you must innovate!
  • Market Research
  • New technologies in production
  1. Co-lab, Co-op not compete (Paulo Tibig)
  • Collaborate
  • Cooperate
  • Not compete
  1. Change your mindset (TAKOT) (Paulo Tibig)
  • Explore, Grown, & Get BIG
  • Status Quo – Change
  • Think Small – to BIG
  1. Business entrepreneurs solve business problems. Social entrepreneurs solve social problems. (Terri Jayme-Mora)
  2. Business is all about “branding the experience”. (Brian Tenorio)
  3. Even the greatest fool can make money, but only the smarter ones can make it more. (Navin Uttamchandani)

The speakers of this conference were really well-prepared and they certainly know what they’re talking about. All of them shared their topics based on their experiences, their failures and successes in their businesses, and how they’re going to make it big or even bigger in their respective sectors. But one thing is common, they all have the passion to what they’re doing and they have that willingness to inspire others to do better and attain success on whatever venture/endeavor they may take.

The 2nd and 3rd day of the PhilSME Business Expo also had a great set of speakers and panelists. One of them was Ms. Ginger Palma-Arboleda of Manila Workshops, who talked about “Start-Up Tips and Tricks for Young Entrepreneurs.” I personally met her in some of the events that I’ve attended before and I could say that her business ideas are really inspiring and I really admire her wit and humility.

I hadn’t much time to go over the exhibitors during the event because I was more interested with the conference talks but I was able to check some of them. Most of them were offering Franchise businesses. I also want to have my own business and that’s one of the reasons why I attended the event, but my focus right now is to come up with a good business idea and make it a reality eventually.

Thank you PhilSME for another great learning experience!

Categories
Investment Seminars

Andrew Stotz shares his Investing Principles in the Philippines

I was surprised when I received an email yesterday from Ms. Rizchelle Sampang-Manaog of the CFA Society of the Philippines. She said that she came across my Pinay Investor website while digging articles about Andrew Stotz.

I knew I haven’t written an article about Mr. Andrew Stotz but I already met him when I attended the Philippine Retail Investment Conference (PRIC) last May 28, 2014. Then I remembered that I posted a photo of him on my Photo Gallery page which might have led Ms. Rizchelle to this site.

Anyway, she asked me if I would be interested to write a blog about Mr. Andrew Stotz or schedule a one-on-one interview with him at 3PM today, October 1, 2014.

I didn’t know what to say. I was surprised! 🙂

I’d love to write a post about him but having an interview with someone like him, someone who I look up to in the world of investing, is something that I’ve never expected or even thought of happening. I mean it’s a great opportunity for me and for Pinay Investor and it would be an honor to interview him but I felt that I’m unprepared. 🙂

Ms. Rizchelle only contacted me yesterday and the interview with Mr. Stotz is scheduled today and I was just overwhelmed with the turn of events. 🙂 And because I also have another appointment set today, I had to decline to the invite and I wished there’s another opportunity like this next time. But I promised to write a post about him and so here it is…

Andrew-Stotz-Philipines Mr. Andrew Stotz is the current President of the CFA (Chartered Financial Analysts) Society of Thailand. He is an award-winning financial analyst and Investing-in-Asia expert who has spent more than 20 years analyzing and investing in Asian stock markets. Through his work, teaching, and consulting he has helped thousands of people move closer to their financial goals.

Like I said earlier, I first met him at the Philippine Retail Investment Conference where he personally handed me this small piece of index paper with his Info Card. This piece is valuable to me because this is where I wrote my first Financial Plan with the guidance of Mr. Stotz himself.

Written-Financial-Plan-by-Andrew-Stotz

The photo is blurry but here’s what’s written here.

I, JANICE, will NOT get rich in the stock market.

I am 28 years old, want to retire when I am 50 and will live a happy life until 100.

My investing horizon is 20.

My retirement horizon is ___.

I will manage my money for the next 70 years.

This is an example of a Written Financial Plan that we (participants) copied from Mr. Stotz. We filled in the blank spaces and we did some computations to come up with the numbers. I don’t remember why it’s blank on the second to the last line. Maybe I failed to compute for the correct number. 🙂

I also remember that he facilitated an interactive game before his talk, where each of us used a 1-peso coin. I wished I won but I didn’t, thus I missed the free financial consultation with him. 🙁

Andrew-Stotz-at-the-Philippine-Retail-Investment-Conference
Andrew Stotz at the Philippine Retail Investment Conference 2014

Aside from the written Financial Plan, I also learned about his Core Investing Principles:

  • You will not get rich in the stock market
  • Have a written plan
  • Time horizon is very long, build wealth carefully
  • Time is the easiest way to success in the stock market
  • As you get older, reduce your exposure to stocks
  • Every interaction with money causes emotional and biological changes in your body
  • Reducing risk is more valuable than picking winners
  • The past and present are more important and knowable than the future
  • Have no “memory” about any stock, be willing to buy it again
  • Stay concentrated, avoid owning less than 10 stocks or more than 20
  • Be most worried about stocks when everyone is positive about them
  • Don’t get stuck in any one style (value, growth, etc) or guessing when styles shift
  • Think of each investment as relative to another

I’m a newbie in stock market investing but I’m continuously learning by following principles like these of Mr. Stotz.

Andrew-Stotz-shares-Investment-Tips-to-Universities-in-the-Philippines We’re privileged because he’s currently in the Philippines for his #StotzOnCampusTour, to conduct a series of speeches in some universities to introduce his Principles for a Lifetime of Investing.  The schools that he will visit are De La Salle University-Dasmarinas, University of Mindanao, Ateneo de Davao University, Colegio de San Juan de Letran, and De La Salle University-Manila.

The financial world is totally overwhelming for most people, particularly those with no experience or interest in the area that’s why Mr. Stotz developed these principles to make it easier for us to follow and implement. His more than 20 years of experience in teaching finance at universities, in addition to his full-time job as a financial analyst, makes him perfect placed for this task.

These outreach efforts of Mr. Stotz is a great opportunity for us especially the students who will be equipped with a new hope and a clear path toward managing their own financial lives. And crucially, they will have in their hands a simple financial plan that they can follow for the rest of their lives.

Mr. Stotz has also been interviewed by Ms. Salve Duplito of ABS-CBN’s News Channel (ANC) “On The Money” program and I can’t wait to see that episode. 🙂

It’s with a heavy heart that I missed the opportunity to see and interview Mr. Stotz but I support him in his efforts to teach investing principles to Filipinos especially the students who will be the next leaders of the country.

Thank you Mr. Andrew Stotz and I hope to see you again soon! 🙂

Source:
Veteran of the Financial World Shares His Investment Tips in the Philippines (shared by Ms. Rizchelle Sampang-Manaog of the CFA Society Philippines)
http://www.linkedin.com/in/andrewstotz
http://andrewstotz.com
http://www.slideshare.net/andrewstotz/investing-core-principles-at-pric2014

Categories
Seminars Stock Market

Attend FREE Seminars by Stock Market Brokers

There are a lot of paid seminars out there that are conducted by various speakers who are known to be experts in the field of investment especially in the stock market. It’s okay to pay for these seminars because it’s part of your investment and according to Benjamin Franklin, investment in knowledge always pays the best interest.

But in my opinion, why would I have to pay when I can attend similar or even better seminars for free?

There are more than a hundred stock brokers and trading participants listed in the Philippine Stock Exchange and most of them offer free seminars for interested individuals. And you don’t have to be an existing client/investor because some of these brokers provide free seminars to the public whether or not you have an existing account with them.

COL Financial is one of the currently listed online brokers in the Philippine Stock Exchange and it offers two free seminars to the public namely:

1. COL Easy Investment Program: Simple Stock Market Investing

This program introduces the use of cost averaging to make investing in the stock market simple, convenient, and affordable for anyone.

2. Investing in the Stock Market Today

This seminar will introduce the basic concepts and opportunities of investing in the stock market. Popular approaches of stock analysis will be explained to help guide the new investor in making well informed investment decisions. This seminar is for interested market participants, with minimal to no market experience.

These were the first two seminars that I attended when I became interested to learn about the stock market. I chose the schedule when I can attend both of these seminars on the same day and I reserved my slot by calling their hotline and sending an email. I suggest you do the same thing by attending both seminars on the same day to save your time and effort. Otherwise, just choose a date that best fits your schedule.

The trainer for the first seminar in the morning was Jed Velarde and in the afternoon was Aya Laraya. They’re both knowledgeable in this topic and I learned a lot from them.

Like I said earlier, you don’t necessarily have to be an existing client to be able to attend the free seminars. Neither was I a client nor planning to open an account with them when I attended their seminars. It was only after the seminar and after doing my own research of the broker’s background that I decided to finally invest in the stock market under their online brokerage.

As to why I chose COL Financial over the other brokers is something that I will cover in a future post. Just a disclaimer, this post is not an endorsement and I am not affiliated with this company.

I suggest you also attend the seminars offered by the other brokers so that you can choose the one that matches your needs as a client and your qualifications of a good broker.

To know more about COL Financial’s Seminars, you may visit their website through this link.

Source: COL Financial