Pinapalaki Ang Kalansing

Sino ba namang aayaw kung kaya pa lang mabigay ang bagay na nangangati kang makuha?

Even people who want 0% risk will be tempted by it.

Kung aalisin natin ang mga pangbobola, hindi mo mapipigilan gawin ang mga gusto mo.

That kind of desire without worrying about its expense to the point of removing the monetary attachment.

Matatanggal ang tyansang mapunta sa sitwasyon na ayaw mo naman kahit na mahina ka na dahil sa sakto lamang ang pondo.

As time will just run by itself, it’s better to let your asset go with it while you do other things.

Doon ka sa magpapalago ng pera mo dahil kritikal ‘yan habang tumatagal at limitado lang ang kakayahan ng pag-iipon.

Positioning yourself on the positive side of money’s multiplier effect.

Nagta-trabaho tayo ngayon dahil may gusto tayong magkaroon kalaunan.

Unfortunately, labor is just one of the leverages of life we can utilize - others are media, code, money, etc.

Natural lang na ganyan ang galawan dahil ‘yan ang simula ng lahat para kumita (oo, pati ‘yong mga nagne-negosyo, trabaho pa rin ang ginagawa nila).

Due to your physical deterioration as time passes (unless you’re a vampire, if so, don’t bite me), it’s crucial to build your flow of money going in even if you don’t want to work.

Ang sikat na solusyon dito ay ang Pamumuhunan o Investment sa Ingles.

It can be to yourself, others, or your wealth (the investment we will discuss).

Literal na ginagawa nito ay pagbili ng kinabukasan mo.

Sige, saglit lang, usapang gastos kaya siguradong maraming mapapadalawang isip dito.

There’s the common argument that “all investments are scams” from one’s previous experience or lack of it.

Bakit pa kailangan isipin ito kung malaki naman ang kasalukuyang pinagkakataan, ‘di ba?

Or, you’re open but will think about it when retirement is near.

Sa dami ng mga payo na binibigay dito, nagmumukhang kumplikado na sa iba.

I will not blame your lack of time and funds to start this financial game.

Tipikal na kaso ng karamihan ‘yan lalo na kung hindi pa talaga dapat ito ang iniisip mo.

Go to my previous piece, Kumita Hanggang Makita Ang Gusto, to understand the start of your finances.

Ang huling rason sana na makuha ko sa’yo ay “Ayos pa naman ako ngayon.”

This idea is opened so you can eliminate predictable problems from ignorance and fear about money.

Nand’yan na ang pisikal mong pagta-trabaho kahit ayaw mo at may edad na rin para lang may makain at pambayad sa mga gastusin.

Missing the chance to explore your other interests because of a lack of time and money.

Wala e, pwede rin kasing naadik ka sa mga mabilisang pera tulad ng loto, sugal, o iba pang pang-gogoyo.

Too much dependency on one source of income or type that losing it means the destruction of your living.

Hindi na rin makayang maranasan ang malawak na posibilidad ng reyalidad na pwedeng mabigay sa’yo.

All lead to limited decisions only circling within the scope of your current wealth.

Gusto ko ‘yong ideya ng pag-iimpok kahit noong estudyante pa lang ako.

I read books to understand it such as Rich Dad Poor Dad, The Richest Man in Babylon, The Simple Path to Wealth, and more.

Kung aatras pa tayo ng ilang taon, naloko na rin ako (buti na lang isang libo lang, galing sa pera ng mga magulang ko) gawa ng kamangmangan ng pagiging bata pa.

“What is this”, “How does it work”, “Why is that part working”, and various questions are answered by diving into this topic.

Para mapunta naman sa may katuturan ang pinag-aaral ko, ginawa ko ang pwedeng magamit sa buhay ko na partikular sa pera.

Adopting the "learn first, apply if it fits" approach has shaped how I view financial growth today.

Mas ayos sakin ngayon ang simple at pangmatagalan na daloy ng pagpapalago.

What Investment gives us is the realization of abundance in its monetary form.

Inaalis nito ang sobrang pagdepende sa kung anong pwede mong kitain ngayon.

The interesting observation in mathematics, compounding interest, can be taken advantage of by you.

Galing sa pagbili ng kinabukasan papunta sa lebel ng inaasam na pagretiro.

Acquiring better opportunities will not be avoided compared to having limited funds.

Dito yong mga hindi mo hiniling pero kusang dumating na uri ng eksena.

Granting you the ability to sustain or grab the lifestyle you desire.

Pabago-bago man ang nangyayari sa’yo at sa paligid mo, pataas pa rin ang punta sa paglipas ng panahon.

In my definition, Investment is putting your money in a particular container depending on where you want to use it later.

Maraming mga kataga o konsepto na nakadikit dito.

But we can work such financial growth on our own using its fundamentals.

I created what I call Expandable Growth.

Aalayan ka at ang sarili ko nito na maging praktikal at hindi madamdamin sa pagpapalago ng pera.

Missing this is missing the point of your investment.

Ito ang mala-makina na magpapatakbo sa’yo sa kung saan mo man gusto mapunta ang pera mo.

Anything will do, so have something (a dream car, vacation target, or simply a large fund for anything).

Pagkakataon mo na itong mapagtanto ang talagang importante sa’yo ngayon at sa hinaharap.

You have control in this part - no one gonna beat you at the reason you will form.

Hindi kita didiktahan dito.

You have this privilege and remember the obligation is in your hands.

Baka ilista mo sa maraming pahina ng papel, pwede naman, pero hindi kailangan.

With goal refinement, you will have a possible timeline for accomplishing it.

Ang lagayan na tinutukoy natin dito ay ‘yong ari-arian o kagamitang pinansyal kung saan mo gusto ilagay ang pera mo.

It will be dependent on how long it will take, leading to the 3 Terms of Investments:

Kung kailan mo gagamitin o bibilhin ang inaasinta mo, pili ka lang sa mga termino na ito.

It will eliminate the late preparation or right option but with the wrong reason.

Pwedeng isa lang mayroon ka sa mga ‘yan, pwedeng mayroon sa lahat.

We have different circumstances to attend to anyway.

Alam mo na ang pupuntiryahin at may lagayan nang nakahanda, pagdesisyonan mo na ang halaga ng kaya at gusto mong ilagay.

Don’t put, in any chance you have, all your wealth on this.

May rason tayo dito na pang-iwas sa biglaang magiba ang naipundar mo.

That’s why I said in my free quick book DOFF (Dots Of Financial Freedom) that this is the last part you should do.

Magkaroon ka muna ng mga kailangan para mabuo ng matibay ang pundasyon ng kayamanan mo bago ito.

Investment is multiplying what you have, not what you don’t have because if that’s the case, you’re just looking for your financial disaster.

Kung ‘yan ang gusto mo, walang ibang masisisi d’yan kung ‘di ikaw lang rin mismo sa oras ng pagkasira.

Most people tend to be emotional in the ups and downs of their investments.

Mauunawan naman natin dahil umusbong sa bawat isa ang laban o atras na ugali sa mga delikadong sitwasyon (maliit o malaki man).

Still, don’t make this your daily routine.

Hayaan mo ang oras at pamato mo na gawin ang trabaho nila.

Train yourself to be more logical in the money game as a decision driven by emotion is dangerous.

Magtiwala ka na sa binuno mong pagod at panahon para mapiling ilagay ang pera mo sa ano mang lalagyan man ‘yon.

Of course, your decisions are not always perfect, so if you notice something unforgivable to you, shift the direction you want to go.

Siya, ikaw, sila, ako, tayo - lahat nagbabago.

The same goes for your lifestyle which affects the ins and outs of your wealth’s progression.

Magkaroon ka ng oras para pagnilay-nilayan ang kasalukuyan mong ginagawa.

It can be by quarter, semi-annual, or annual.

‘Wag lang araw-araw o mas malala, minu-minuto - ginawa mo nang buhay ang pagsilip kapag ganyan.

Review also your portfolio (a fancy term for your collection of investments that lists the amount and percentage allocation).

Baka hindi mo na kailangan gawin ang isang bagay, kaya tigilan mo na.

Or, if you want to try new things on other parts, do it.

Kung hindi ka sigurado, pwedeng maging istilo mo na lang ay ilagay ang pera sa lalagyan na napili tapos kalimutan na.

It’s a way of letting itself grow while doing other things in your life.

Siguro napansin mo.

I didn’t give a particular type of investment or push you to put your money into a definite financial vehicle.

Gusto kong ikaw ang magpasya n’yan sa sarili mo.

Do your homework to choose your desired type of investment and the specific amount you want to put on it.

Para sa akin, gusto ko ‘yong mabagal at matatag na paglago na uri ng pamumuhunan.

You can observe that from me through

Linawin ko na rin.

The investment I favor is the relatively long horizon type as time is the ultimate balancer of its result.

Mas matibay kasi ang napatunayan ng ganitong uri.

I am not dismissing those short styles that rely on speculations and loose assets - do it if you want a riskier version of investment.

Pag-intindi ng mga sinabi ko dito ay magpapababa ng posibilidad na maloko ka ng mga halatang kalokohan sa pera.

The wealth you have right now is the fruit of your efforts (or maybe luck).

May ginawa kang bagay gamit ang oras at tiyaga mo para makuha ‘yan.

The bare minimum you can do is to know where to put it before someone does it for you.

- Mark Galvez