Showing posts from June, 2017

Australia: My Experience With The Stock Market - Part 4

Aside from stonks, I was also researching about ETFs (exchange traded funds). It's like mutual funds but no. Then I came across spaceship voyager  then raiz .  If you want to know more about the two, you can refer to this  article . Below is a summary: 📌Make sure you understand the product and the risks involved before investing.  Source: Update: I opened an account with Raiz and will do a review after a few months 😊 . If you want to get started, maybe you can use my referral link here  to have  $5 for me, $5 for you! Thanks!   

Market Research

Doing market research before starting your business will allow you to know the demand of your product/service, who will likely buy or use them and whether these buyers will likely affect the location of your business. Target market. Have you identified the type of people who will likely buy your product or use your service? What will you do to be able to understand their behavior and know them better? How many units of your product do you think can you sell or service jobs can you complete in a month, in a year? Advertisement. How are you going to reach your customers? How are you going to reach most of them at the least cost? Price. How much are you going to charge? High side or low side? Will you be able to make profit? Competitors. Who are your competitors? What is important here is not the competition but your target market in relation to your competitors. It will help you understand your target market further by looking and analyzing as to why the target market buys o

Understanding Technical Analysis

Ang pag-aaral ng technical analysis ay ibang-iba sa fundamental analysis. Ito ay naka-focus sa price action or price movements ng isang stock. Parang sa economics, inaaral nito ang supply and demand para malaman kung ano direction ng stock, kung ito ba ay trending or hindi. Three assumptions when doing technical analysis:   Price discounts everything . Ibig sabihin nyan na kung ano ang current market price ng stock ay naka-reflect na doon ang fundamentals nung company (qualitative and quantitave). Kaya ang mga technical analysts ay naka-focus sa kung ano ang ipriprice ng market sa stock. Price moves in trends . Ibig sabihin nyan kung uso ang isang stock, may tendency na tumaas ang price nito. Ibig sabihin mataas ang demand ng isang stock. Paano ba nagiging uso ang isang stock? Sa mga balita or updates tungkol sa company. Pero kelangan maingat dito kasi mamya nilalaro lang pala yung stock. Kunyari trending pero hindi pala. History repeats itself over time . Alam natin na up

Understanding Fundamental Analysis

Nanonood ba kayo ng Shark Tank? Kung kayo ay nanonood, napansin ninyo na palaging tanong ng mga sharks ay numbers. Kung magkano ang sales nila. Ano ang plano etc. Ang fundamental analysis ay ganun din. Fundamental analysis ay ang pag-aaral tungkol sa value ng isang company at kung may potential ito for future growth. Paano nalalaman? Sa kanilang financial statements or FS. Kaya pansinin ninyo pag pumunta kayo sa website ng isang listed company, my investors section doon kung saan pwede ninyong idownload yung FS nila at mga news or other disclosures na pwedeng maapektuhan ang mga investors. Makikita nyo rin sa pse edge, lahat ng fs and other disclosures ng mga listed companies. Ang fundamental analysis ay pwedeng quantitave;  meaning ito yung mga kinocompute like eps, debt to equity, book value etc at pwede din itong qualitative meaning ito ay yung bigger picture like company's management, quality and popularity of products or services etc. Para hindi kayo mahirapan sa qu

Stock Strategy: Peso Cost Averaging

Nabanggit natin na mataas ang risk sa stock market. Hindi natin alam kung ito ba ay pataas or pababa. Dahil dyan, marami ang natatakot mag-invest sa stock market. Pero kung titignan natin ang history ng PSE, tumaas ito from 2,900++ (September 1994) to 6,500++ (2016). Imagine if you invested way back in the late 90's.     Isa sa mga paraan para ma-minimize ang risk ay ang peso cost averaging. Ito ay ang pag-invest buwan buwan sa isang stock regardless of the price. Yung amount at time frame ay depende sa inyong budget. At dahil up and down ang market, tandaan natin na mas madaming shares ang mabibili kung mababa ang price at konting shares naman ang mabibili kapag mataas ang price nito.   Halimbawa: P5,000 every month. Stock: MEG Month 1: P4.25 Month 2: P3.57 Month 3: P4.14 Month 4: P3.77    Kung titignan ninyo ang example, if the market is down at bumili kayo ng shares, ang average price (AP) ay bumababa. Since ang closing price for Month 4 ay P3.77 versus P

Strategic Management in Small Business

A small business has a choice of two goals: Increase profits but stay small (niche market) or grow into a larger business. How? By managing your company using the elements of strategic planning.   Assessment   Take a week or two to scrutinize your industry, competition and the general state of business in local economy. Think about how trends have changed over the last couple of years and where they might be headed as you go through your daily tasks. Take note as ideas rise. After that, take time to consider your target customer, what she values, how you can meet her needs. Last, spend time looking at each sector of your enterprise: how it operates, whether it is efficient and how it fulfills the needs of your customers. You will immediately see problems that can be fixed with little effort. And you will already have some ideas about adapting to the competitive environment and satisfying your target customer.   Positioning   The most important aspect in positioning is

Accountant: What To Look For?

We all know that understanding the basics of accounting is important especially if we want to become an entrepreneur. However, some of us are really bad at it. With that, we need to hire an accountant or a bookkeeper. If not, we will not be able to see the real financial situation of the business.   Nowadays, with the changing business landscape due to technology, we can outsource jobs including accountants and/or bookkeepers for a minimal fee. And we have to make sure that there's quality when doing this.   Rob Nixon in his book Remaining Relevant lists an awesome 8 an accountant should have when serving their clients. We can use these as our basis when looking for accountants.   Growth : helps the business increase its revenue and build wealth Profit : helps understand where the profit is coming from and suggests how to improve it Cash flow : helps understand and suggests how to oversee it Tax exposure : helps in managing tax efficiently Asset protection

Be Thankful

There's always a reason to be grateful to God. We may see some people "more successful" than us. We sometimes encounter people who are "less fortunate" than us. But no matter what we have achieved or not, there's always something to be thankful of. Be thankful that God wakes us up everyday, giving us another chance to make up for the things that went wrong or a chance to bring smile to other people. Acknowledge the fact that other people love us, whether we like it or not. To be loved is not our choice to make but for those who love us. Thank them for giving you something that you didn't really ask for. Be grateful for the small details in life. For when you realize how blessed you are, "Contentment" follows. -- Khristian Santos #Thank You!

Putting Your Business Together

Many of us wants to put up a business but doesn’t know where to start. Here are some tips (reference: Guide to Starting a Small Enterprise):   Start by defining your purpose for putting up the business and setting the goals and objectives that will lead you to achieve this purpose. Let these questions guide you:   ü   Why am I setting up this business? How do I want my business to be five years from now? What should my business achieve on the first year, on the second year, etc.?   ü   Will my business be a single proprietorship, will I get partners, or will I incorporate? What are the advantages and disadvantages of each type?   ü   What are the laws and regulations that can affect and influence my business?   ü   Will I need people at the outset? How many will I need? What qualities will I look out for in them?   ü   Where should I go for information and guidance?     Look at your finances. Regardless of the manner that you will start