Friday, December 1, 2017

NEM (XEM) Awakening the Giant

Enormous count of people was looking forward for the bursting of the "cryptocurrency bubble". They are comparing it to the dotcom mania that lead many investors into bankruptcy.  So what you should do to avoid this? Look at the intrinsic value of the companies, their projects, and platforms.

I discussed two big coins... Bitcoin and Ether, now let's wake-up the giant, XEM.

The opportunity clock is set-up to ring for NEM this 2018. And before the giant gets off on his bed, Abbey and I is already investing with XEM, greatly (time and money).

So here’s why:
1. As you can see, NEM is consistent in top coin Market Cap.

2. They have this NEM:Helpdesk that you can connect 24/7.

3. They are conditioned in marketing their platform not in marketing their coin. Main reason why XEM was not "hyped". But don't get me wrong that you cannot make money in NEM. If you invested last November, your money gained 4500%+ up to this date.

4. ICOs are now testing NEM's blockchain. Some ICOs built on it this 2017 are LoyalCoin, Bankera, Comsa, Qchain.

5. We all know how Japan is playing a big part in world's future technology and how Korea is doing pumping funds in crypto world. They are the two biggest supporters of NEM. This is a tip. You are welcome.

6. What are the features that some blockchains do not have.
-- Smart Assets. This is like Ethereum's Smart Contract but of course way better. Why? It can be customized. This is to prevent bugs,  hacks or you just want to edit its protocols.

-- Multi-Signature. This is a good service that will benefit the companies or even couples. Imagine, you cannot facilitate any transactions with your spouse keys! Haha!

-- Mijin, a well-known private blockchain in Japan is Nem's sister company. Nem (public) and Mijin (private) can network with no hassles.

-- Do you want to take part in saving the world? Do not mine bitcoin and waste electrical resources. Go on and harvest at NEM blockchain, even your computer is off, your supernodes will do the work for you. Proof of Importance. Means? Well, be a VIP! Instead of buying hardwares to solve puzzles in Bitcoin's blockchain, buy XEM and prove your importance in the community. How important are you? It depends on how many Xem you have, how long you have those, and the number of transactions you have to sustain healthy economy within NEM community.

-- Catapult is already running in Mijin blockchain and do you know catapult can process more than 3,000 transaction per second... it is faster than Visa! :)

-- Do you remember the time when all listed companies can just print and print stocks certificates? It is a free money for companies. Right? Now, it is illegal. Well, don't expect it with NEM. XEMs are all out! So no giving birth of new coin under this blockchain. Expect that your coin is a complete representation of your share with NEM.

-- Their wallet can run voting system. NEM community enjoys this poll. It just like voting in a board meeting. Oh! We as NEMbers really can feel our participation and voice bring heard by NEM frontliners.

Many more projects were lined up to take effect this 2018! That is why all XEM holders are so excited for next year!

Yes! In 2018, the opportunity clock of NEM the Giant is set to alarm and it will be awakened!

Why will I buy and run after bitcoin or ether's expensive coin... I will buy and HODL more xem. :)

You can get XEM here: 

Note: Virtual currencies are very volatile. Study before invest. Invest at your own risk. 

Love my write-up? Here is my NEM Wallet Address: 

Monday, November 20, 2017

How To Start Investing in Philippine Stock Market

The bull ravages the bear in stock market! And of course, investors in stock market, mutual fund, UITF are in glory days. This noise makes other people think how they can join this rally and some friends in facebook asked me for guidance how to start. Then I realized, I still don't have a blogpost explaing how to invest in Philippine Stock Market. Haha!

My Husband's Stock Portfolio

My Stock Portfolio

It is easy, like just opening a bank account. See below illustration from CitisecOnline.

*Click this to download their forms here.
*For the Php5,000 initial minimun funding, don't fret, after confirming your account you can use that same Php5,000 to invest in company of your choice.

Done in registration? What's next? There are different types of investing strategies you can do.
-- FUNDAMENTAL - You will invest based on assests and liabilities of the company, its upcoming projects and future plans.
-- ANALYTICAL - Investing depends on charts 
-- COST AVERAGING - You will put amount monthly even the price rises and falls.
-- INTUITION - Trusting your instinct and emotion.

So what do I use? I do fundamental. How to start, there's a great numbers of companies enlisted in PSE. The answer, be mindful on your surroundings. Are you a big fan of Max's Fried Chicken? Of course you are consumer of Meralco or a depositor of BPI, do you own a condo constructed by SMPH? Go to their website, look for Investors' Corner and read their Balance Sheets and Annual Reports. You need to determine the intrinsic value of the company.

For Trading/Analytical, you can look for seminars on that. I am sorry, I cannot tackle that because I do not know how to read sticks. Sorry. Hey, but no budget to learn from experts? Try to use Investigram.

No time to think? Group like Bo Sanchez' will give you a table of companies what to buy and sell in a certain time. But of course for a fee. You want free? COL also provides this kind of service, click on 'Reasearch Tab' and look for 'Investment Guide' and you can find there the list of BUY-SELL-HOLD.

Have you heard about investing based on intuition? This can be harnessed over time. Rely on your instincts, it will lead you at the right path. Yes! I trust my intuition. I read many companies' annual reports but I still put my money where my instinct points me to. Groups like Traders Apprentice Pilipinas do this. You can find Sir Tony Herbosa and learn from maestro himself.

Here you go! Open up an account and decide what is your goal and exit plan. Are you a long term investor or a trader?

PS: Invest only the money you afford to loose! :)

Do you have another strategy in mind? Comment below. For now, newbies can focus on these. This is to avoid information overload or analysis paralysis.

Note: This blogpost is not in any way sponsored by CitisecOnline. 
Study before invest. Invest at your own risk

Tuesday, October 24, 2017

Invest in Nutriwealth Cooperative – Build Our Wealth The Cooperative Way

Ang nanay ko ay hindi naniniwala sa patakaran ng bangko. Actually pati tatay ko. Ang paliwanag nila? Ginagamit ng bangko ang pera mo para ipautang sa iba at papatungan ng malaking interest pero ikaw na may-ari ng pera ni hindi man lang kumita. Magkano na nga ba ang interest ng mga bangko ngayon sa mga savings account? It is less than 1% per taon. Hindi ba?

Lagi niyang sinasabi nuon, ang daling magpasok ng pera sa bangko pero mahirap maglabas. Kung sino pa ang mayayaman, sila lang ang nakakautang.

So saan dinadala ng nanay ko ang sobrang pera nila nuon? Sa COOP. Namulat ako na may mga panahon na ginagabi ang nanay ko sa pag-uwi dahil sa meeting ng Birhen ng Lourdes Cooperative. May taktika pa nga ang nanay ko na kakausapin ang mga kumare na miyembro din ng coop para umutang under her account nang sa ganun tutubo ng malaki ang pera niya na nakalagak dun.

Cooperatives help their members. Ang kooperatiba nila nanay nuon ay may listahan ng mga negosyo ng miyembro at tulong-tulong sila para umunlad ang mga negosyo. Kaya nga tinawag na KOOP. Short for KOOPerasyon. :)

Taong 2015 may nakita akong coop na nagtatayo ng mga hotel sa Bicol Area. Dahil sila ay Residential Type of cooperative, hindi sila pwedeng kumuha ng miyembro na malayo sa nasasakupan. Nakakapanghinayang.

Sabi nga, GOD's time is always PERFECT. Naghahanap ako ulit ng mapag-investan ng aming pera, at dumating na si Nutriwealth through Sir Edmund Lao and umattend kami agad ng seminar nila dito sa Singapore.

Ano ang nakita ko kay Nutriwealth:
1. Unang-una, sila ay Associational Coop. Hindi ko na kailangan pumunta or tumira pa ng ilang taon sa lugar ng kanilang main branch to be their member.

2. They are targeting to support the farmers and helping them to put their products into the market. They have a program for OFW para makauwi na for good.

3. Lifetime membership na, FREE pa ang mga sumusunod:
- Php25,000 - Accident Insurance
- Php2,000 - Medical Reimbursement
- Php2,000 - Burial Benefit
- Almost Php1,500 na vitamins (I love Malunggay Capsule)

4.They have the track record in paying cash dividends and interest on members' share capital as below:
- 2012 (12%)
- 2013 (7.3%)
- 2014 (22.3%)
- 2015 (11%)
- 2016 (8%)

5. They have a total asset of 470 Million.

6. They have diversified businesses.

7. Mayroong programa na tulad ng "debt-cancellation" sa kanilang mga miyembro.

8. Nagtuturo ng disiplina sa mga miyembro para makapag-ipon.

9. Nagbibigay ng negosyo/kabuhayan sa mga miyembro.

10. Merong mga bagong proyekto na naka-lineup.

11. Higit sa lahat, nagawaran ng maraming awards ng CDA as one of the outstanding coop.

Ang coop ay hindi sasagana kung hindi masaya at nagtutulong-tulong ang bawat kasapi. Dito makikita ang tunay na bayanihan.

Sa mga gustong mapag-aralan ng maigi o may mga katanungan pwede nyo po kaming makausap sa aming mga facebook page or personal account.

Mapapanood nyo po dito ang iba't-ibang trainings from founder/chairman himself, Sir Jay Galang.

Buo na ang loob mo? At tingin mo nakatulong kami mag-asawa para makita mo ang opportunity na ito.

Just Follow these 3 EASY STEPS:
1. Fill up the online form and hope you will not forget ang aming pangalan (Wilma Lapuz or Abraham Lapuz -- mamili lang po ng isa) na kami ang nakapag-share sa inyo or source of the link.
2.  Send a photo of your signature on a white piece of paper together with a copy of any valid Government issued ID at or send through Abbey's facebook account.
3. Once confirmed and verified, your membership application will be directed how to fund your account.

SHARE this GOOD news to your friends & relatives. Halina't mag-impok, tumulong at kumita! Maging KamayAri.

Ngayon na ang panahon para maumpisahan ng tama ang darating na bagong taon.

These are the benefits you can gain:
1. Php2,500.00 Lifetime membership with FREE
- Php25,000 - Accident Insurance
- Php2,000 - Medical Reimbursement
- Php2,000 - Burial Benefit
- Php1,500 Free Products

2. Initial Share Capital - PhP 2,000.00 
Subject to annual dividends. 

3.  Five Years Time Deposit Plan - up to more than 100% return (see below table)

4. Dividend on Capital Share - You can withdraw it or top it on your existing capital share
5. Great Discounts in their products and other services. Like coffee, health supplements, and services.
6. Bonuses - Share the vision of Nutriwealth - To provide every members the opportunity to start their savings program.
7. Start your own business for FREE. If they saw a potential in you. They will provide a capital to put up a business for you.


For more information about Nutriwealth Multi-Purpose Cooperative you can contact us on whatssap: +6582603871 or you may visit the office at Unit 12 UGF Doña Consolacion Bldg., Araneta Center, Cubao, Quezon City -- Contact No.: (02)376.0732 / (043)406.5224. Website:

Here are the Legal Documents of Nutriwealth Multi-Purpose Cooperative

Below are the Projects Established and Upcoming Ventures

Schedules of TRAININGS you can attend

Latest Award Received from CDA itself

Note: This blogpost is not in any way sponsored by Nutriwealth Cooperative. 
Study before invest. Invest at your own risk