My CitisecOnline Account

Convinced by the Peso-Cost Averaging Strategy...today,at exactly 11:00 in the morning ,i have opened an account in the CitisecOnline's Easy Investment Program when i deposited an initial balance requirement of 5k...and then after about an hour later i already got my account name and password within 30 minutes upon my opening of the account! As of this writing I have log-in already to the site and did my first buy on ALI(Ayala Inc.)which will start on Sept 8 (Mother Mary's Birtday!)and then the site will then remind me when is my next scheduled buy , which i set every month. That's how easy will it be investing thru CitisecOnline!
The citeseconline.com site is easy to navigate and have features that will help you understand the EIP program in a short time. This is the day that I have stated to the universe that "Universe....This is the day I'll start my journey to financial freedom!" So be it!

What is Peso-Cost Averaging?

Peso- Cost Averaging is the process of buying, regardless of the share price, a fixed peso amount of a particular investment on a regular schedule. More shares are purchased when prices are low, and fewer shares are purchased when prices are high. The cost per share over time eventually averages out. This reduces the risk of investing a large amount in a single investment at the wrong time. And when it comes to implementing investment strategies based on peso-cost averaging, there may be no better investment vehicle than the one offered to by the CitisecOnline-It is pretty much the same as the mutual funds except that you are your own Fund Manager.

Tips for a Smart Stock Market Investor Wannabe...

It won't hurt to start to learn and understand the stock market to add to our investing knowledge.Or we can always invest in a mutual fund investment vehicle and let those fund managers take control of your investment.In line with these thoughts I have gathered some tips to learn stock investing for us wannabe right here in the web.

34th MITHS Grand Reunion

In celebration of our grand reunion this coming November,i hereby post an invitation here sa well as the "34 Things That Make Me Smile When I Think of Mapua High" ...
Being a Mapuan ...i think the reunion is quite nostalgic since its venue is just in front of our school,right there in Doroteo Jose.

Here goes my 34 things...
34 Things That Make Me Smile When I Think of Mapua High"

Ako Batch '83...e2 ung mga nangingiwi ako pag naaalala ko hais iskul sa Em-Ay-Ti..di pa kami Pre –Engineering nun...Pre-posisyon pa lang sa college aheheeheh...

1. Nung First year ako..I-Jamond aku!!!d first in the west ba.!si Mrs Marinas ang T.I. C. namin...

2. Ung class debate na which is the better sport..golf o tennis...in the coming years..."golf,golf,golf!" nga talaga ahahaah...

3. Ung Bowlodrome dun..wala na ngaun un..duck pins lang bah...

4.Yup.. rumors are true...nakadaan kami sa likod ng Galaxy Theathre!

5. Nag cutting class kami ...nanood kami nung "Paradise"..Si Phoebe Cates! Sikat un nun..me poster pa kaya ko nun bah!

Leap of Faith

On the next succeeding days of this week,I am going to open the account on the CitisecOnline's Easy Investment Program to ensure a future not only for myself but to my child.I have thought this over the last weekend and decided that this is the best time now to start investing in the stocks...the key word is "investing' not "trading" as everybody thought of when stock market is in the discussion.Other's mindset on building wealth is ony limited to their own limited savings.
I am convinced that the Peso Cost Averaging is a good strategy and now I believe this is going to be my vehicle in achieving my financial freedom..I am blogging this so that I am publishing it to the blogosphere so that after five years i am going to refer to this blog and show how did i fare..

How Much To Invest?

How much to invest will depend upon how much you have saved.There is conservative method of up to 20% of your savings may be invested then there is the more agressive of up to more than 50% of your savings.the more aggressive method was taken from the formula of 100- Age = Max% of savings that can be invested? Lets say i'm 45 now, my maximum % of saving would 55%.However these

are only suggested percentages based on investors' capacity to take on risk.As a rule of thumb,younger investor can take more risk given that they may have longer period to withstand the market volatility

Another conservative approach is to keep at least 75% of your savings in short to medium fixed income instruments and then the balance of 25% can be set aside for your investment in stocks

Understanding Stock Market Investment

Here is the partner video of my my earlier post about the Philippine Stocks Exchange. I hope this will enlighten your view of the Philippine Stocks exchange and lessen the fear in venturing about stocks investment.

My Investor Risk Profile

For Philequity Use Only
Your Total Score is: 57
Your Risk Profile is: Balanced (Medium)


This is the score I got when I tried their Investor Risk Profiler…
Just so I can know what type of investor my personality suits…
You can also avail of this,,,just go to Philequity website. Below are the questionnaires you have to answer.

Easy Investment Program

Yesterday I have attended the free "Investing in the Stock Market Today"introductory seminar of the CitisecOnline.And we were introduced to their latest service that they are offering to the investor public.It is called COL-EIP…CitisecOnline-Easy Investment Program.As the speaker started us with the why invest? And why invest in the stock market? I got interested more when the speaker presented the idea of stock market investing simplified by the method Peso Cost Averaging.

3 Other Baguio Attractions

There are numerous Baguio attractions. With just about all of them having fantastic views and scenery that will stay in your mind forever.Aside from Burnham Park,Camp John Hay,Teacher's Camp,Mansion House,Mines View Park and Baguio Catholic cathedral.There are other "must see" attractions in Baguio City. Read more…

Asin Hot Spring – Interestingly enough,Baguio is the coldest city in our country,but did you know that there is a great place to enjoy soaking in a hotspring!-in Asin Hot Springs.To get there,simply catch a jeep from session Road to Asin.The ride will take about 45 minutes.There are some huge pool of hot sulphuric water,in some pools it is bubbling away near boiling point!

New Blogs

     Yesterday...i made two other besides my first two...namely the Chronos Blog...and the Ave Marian....the new ones are titled Alyssa's Shorts which showcases my niece's literary endevour of making short stories...and the other one which is titled"My Complete" which gets it name from my long time phyto-energizer food supplement,tis blog is about my personal journey back to a healthy lifestyle...check it out...its on my top left side bar now..ehehehe

Why would I invest?

Investing is simply put as making your money work for you,not to be confuse as another way to make money. Working your butt out in an office is making money.If you want more money, you must work harder and for longer hours than 9-5. And all the while that you’re busy making money,your time to enjoy its benefit diminishes as well.Yes you now have more money ..but.. did you have time to enjoy it?
That is where investing your money fits. Simply put,making your money work for you takes full advantage of your earning potential whether you decide to work overtime or getting your butts to work hard for a raise. The point is that it doesn't matter which method you choose for investing your money, the goal is always to put your money to work so it earns you an additional profit.
It's pretty easy to realize now that I will invest because I want to increase my personal freedom, sense of security and ability to afford the things I want in life!...simply put!

A Video About Phil. Stocks Investing

They say its a good time to invest in Philippines'Stocks now since the business sector has a strong faith in the present administration...yesterday's news confirms this ..an excerpt from the GMANEWS.tv states...

"At least 28 investors are interested to acquire ailing rural banks under a merger and acquisition program being implemented by the Bangko Sentral ng Pilipinas (BSP) and the state-run Philippine Deposit Insurance Corp. (PDIC)."

Time is ripe for an investment...in fact next week I am attending the "Easy Investment Program" seminar which the CitesecOnLine gives everyweek free of charge to learn how to invest..check out this site...Citiseconline

PAGASA: 'Domeng' may make landfall in north Luzon

Tropical depression "Domeng" may be a potential danger to northern Luzon, the Philippine Atmospheric, Geophysical and Astronomical Services Administration said Wednesday.

What Kind Of Day I Got?

My horoscope says, August 4th:Virgo,
In Love, I'll be sensing a great need for independence and will try to escape from dates in order to see friends. At work,I'll have an excellent intuition that will help me make some tempting investments and find the financial tranquility I was looking for. I must avoid waste.

My I "Ching Oracle"says, August 4th:Pi: Union,It is important that I should unite with others and feel part of a group; this will bring me luck. Approaching friends and people I trust helps in moments of need and always gives great strength. Also I should not hesitate to put myself forward in a disinterested way with others.


My biorhythm says , August 4th:Today my intellectual level is 4%: it is advisable that I avoid too much study. My physical level is 5%: it is opportune for me avoid any activity which could be exerting.My emotional level is 38%: perfect day for dedicating to my partner and friends!

where are the buses?

monday has been my trek back days to my reality...meaning back to office day after a two day of R and R with the two most important persons in my life ...my wife and my daughter...but this morning was a bit strange ...i have been waiting for the bus for three hours!it usually take me 25 minutes to get my ride back to Manila..and when i finally decided to to take the first bus coming whether its my destination or not..my luck was not that full..i took the cubao bound even if its like sardined!
my usual bus ride is Pasay bound of any ES,Baliwag or Five Star Bus Lines...still i was lucky to get the ride at exactly 9:00 am... I was at the Gapan terminal of sort at around 6:00 a.m.! and when i arrived at Cubao at around 11:30..a surreal sight it was indeed.. EDSA was moving surrealy fast?...there's actually no traffic at that hour?...u can see beyond that buses are quite few? which crept in me...was there really thousands of bus that is really colurum...?and then i overheard the conductor of the bus asking the MMDA guys(traffic regulators of sort)"is the color scheme in effect?to which the guy was dumbfounded to answer...i dont know whats happening ...but indded its the first time i saw EDSA like it was in the sixties in terms of traffic...hehehe