4 Things to do before investing

We normally neglect these when we are so excited into investing our money but if you will build your house upon the sand you are heading for a disaster. Instead build your house upon the rock.

1. Start saving.

Saving every pay day will give you massive discipline to create wealth. The skills that you will get is so good that you will exercise your financial muscle to sustain heavy lifting. Before you lift big barbel you need to start from very little to avoid potential injury. Like saving very little it will give you enough preparation for something bigger. It is essential to start small and progress every step of the way.

2. Set up emergency fund.

You are already making a progress with your finances and things are doing very well. Now, you are ready for the next adventure which is going thru the ultimate emergency fund. If your average monthly expenses is 10 thousand only then multiply into 6x (6months) just in case someone might get sick or someone just got laid off from the family your investment still secure. The principle behind 6x is you are preparing for the worst case scenario.

3. Study your investment.

You need to prepare and know your risk tolerance. Maybe you are already at the edge of investing your hard earned money but you don't know what is the best then studying will answer your questions. I love this part because I got scammed before with the amount of 35-40k.It was a big lost for me. With a proper preparation you are on the right side.

4. Commit to a particular amount.

You are reading this because you are not a millionaire yet or maybe you don't have tons of money in your bank account but don't worry because your commitment will be the strongest force in the universe once you start making investment as your hobby. While your other young professional still hanging out and spending a lot of their salary to all the latest gadgets you are so blessed because this year will be the year where you made a commitment that no matter what happened your future is something that is important.

You might be struggling somewhere in your finances now but the storm will simply pass. The sun will rise again. A new morning is waiting. Never lose hope.

 

If you have questions send me an email at david_angway@yahoo.com

David Isaiah Angway is a Registered Financial Planner and a Financial Evangelist

 

How to start the year with your finances

Last year was a blast for me. I achieved the discipline of saving and giving consistently. Well it was good but I know this year will become better. But, how do we normally start with our finances this year if we are in a massive debt or how to practically start from the very scratch.. I got basic steps for you. This is not a quick step guide how to be a millionaire but every millionaire know this.

1. Evaluate your past year

Get a piece of paper and start by evaluating your past performances because you will confront your weakness and opportunities. Many of us don't know where they are now but they know where to go. You need to face the truth that you are currently in a bad situation or you are not progressing with your financial goals. By simply doing that you will achieve more because of awareness.

2. Read a lot and apply

The late Ernie barron said that Knowledge is power but for me without applying what you know you are useless. Many of us know that we need to do something but we are always procrastinating (ouch). Your finances is very important and you must believe that this will be resurrected this year. You need to read blogs or books, follow personal finance guru like dave ramsey, randell tiongson, suze orman or larry burkett. They taught me a lot by simply following their personal finance tips.

3. You must Pray according to His will and expect an answer

There's a lot of distraction and things that we cannot control in this life. Perhaps you might be wandering right now what to do with your finances or you don't know what to do because you are in massive credit card debt. Prayer is so powerful because you are letting God move in areas of your life. In the bible God says a lot about money. More than 2000 verses in the bible and that means God wants you to prosper all you need to do is to follow those principle that He keeps on telling you. Grab a bible start reading the works of Solomon (wisest king ever lived) the book of proverbs contains a lot of stewardship and financial management principles so might as well read it and apply.   

Start strong but end stronger. Never lose hope

If you have questions send me an email at david_angway@yahoo.com

David Isaiah Angway is a Registered Financial Planner and a Financial Evangelist

 

How to Be a Millionaire: The Millionaire's Brain Honest Review

It's been a while now since I've been looking for help in improving my career and life.

When I came across The Millionaire's Brain, I was in two minds.

While I felt that the book could help me in my present situation, I wasn't sure if I could get much help out of it as I would like.

But The Millionaire's Brain seemed simple enough to digest and was more than  affordable- at least compared to the hundreds or even thousands you might fork out for some sort of "get rich quick" talks or schemes you see advertised everywhere.

And cut to present day after spending some time with The Millionaire's Brain,  I am relieved to review that it is well worth the purchase!

As a whole, The Millionaire Brain manual explores basic mind concepts that I have always found fascinating.

Changing your actions, behaviors and thoughts might sound simple, but they are powerful tools to implement in your life. I was particularly interested where they focus on training your brain to have a positive mindset towards money and wealth.

Personally, money has always been hard to come by. And I realized that it was due to my negative feelings towards money. Fortunately, the book teaches you how to rewire your brain to have a positive mindset about money.

It really helps that the book explains the abilities of a person's brain and how it is programmed.

I got to learn about neuroplasticity and how the brain can be changed and shaped throughout a person's life. Such information really instilled the confidence in me to make a list of goals and aim to achieve them.

Eliminate Negativity

Besides wealth, The Millionaire's brain also touches on other mental areas that is likely to affect you in life.

For instance, there is a chapter devoted to overcoming negativity and embracing positivity to overcome hardships. 

I'd like to point out that while such information might not be related to my main goal, I found it very helpful in evaluating myself  and my life choices so far.

Personally, I found myself re-reading the pointers on removing negative influence and adding more positivity to my life.

I realized from reading these chapters that I needed to surround myself more with people who share similar goals and hobbies.

Social Interaction

Initially, I was always focused on work and had no time for socializing which affected me emotionally. I now get that making positive changes is indeed just as important as working hard.

Another aspect I liked was the exercises present throughout the chapters that enabled me to understand the written content.

They do not take up much of your time and at most, all you need is a pen and paper to get it done!

Watch the video here http://bit.ly/1AMF8AF 

If you like to apply what you've learnt, The Millionaire's Brain also comes with a Brain Optimizer workbook for you to practice on yourself to get the most out of what you've been reading.

To be frank, I generally take a long time to learn things and get them right.

I was not looking forward to opening the Brain Optimizer workbook! But I'm glad I eventually did as the exercises were not difficult.

While I have not completed all of the exercises as of yet, I did the find the meditative techniques relaxing and emotionally satisfying.

The Millionaire's Mind Whole Product Details

Product Name: The Millionaire's Brain
Author: Winter Vee
Official Page: TheMillionairesbrain.com
Price: $47
Editor's Score: 924 stars
User Score: Excellent
Cash Back Guarantee: YES
Refund Guarantee: 60 days

The Money Code

The Money Code is another bonus content that comes with The Millionaire's Brain.

If you are more interested in achieving financial success, this report would be most beneficial to you.

It serves as a worthy extension from The Millionaire's Brain plus I found it cool how it teaches you to draw out ideas from the creative side of your mind.

Millionaire Mindset Suite

You also receive some audio guidance known as The Millionaire Mindset Suite.

I was recommended to listen to the audios consistently for at least four weeks.

I initially found it tough to commit to such a schedule due to work so I listened to each session individually daily, which has been working well so far.

This is a unique aspect when I got The Millionaire's Brain: Compared to most products today- you don't just get one wordy, measly book, you get the works!

As I mentioned above, I had more options in my hand with a workbook, an audio guide and an additional report.

I appreciate that Millionaire's Brain Book doesn't hold back, it gives the user a variety of stuff to work with!

I am very appreciative of what The Millionaire's Brain is doing.

I feel that authors Winter and Alvin have put together a well thought out and informative book that can help just about the everyday Joe who want to financially prosper.

It certainly has helped in making me believe that you don't really have to work day and night to achieve wealth and prosperity in your life!

And now that I'm taking control of my own destiny, the future has never looked better!

See the spotlight http://bit.ly/1AMF8AF 

How to Search Google Like a Pro - 20 Best Tricks

Google is a really powerful search engine. Not only for speed, seriously, but the ease and simplicity is a big winner among other search engines. Little do we know it has more features that could even help us browse faster. Here are the 20 most useful tricks on how to search Google like a Pro.


Have you tried searching phrases like:

1. "blogs similar to huffingtonpost.com" OR
2. "what are the best books from 2011 to 2014" OR even 
3. "article in juaninvestor.com that contains the word Colfinancial"?

Quite amazing, there is a shorter and faster way of searching these keyword phrases and save a few seconds in striking your keyboard. Read on.

20 Tricks for Searching Fast

1. Related Search

This is the answer to example 1. To search for webpages that have similar content to a specific site, type "related:" followed by the website address into the URL.

Ex. related:huffingtonpost.com

2. Not

 If you want to exclude a term or a phrase, use the "-" symbol. -big fat liar will show pages that contain "fat" and "liar" but don't contain "big"

3. File type

If you want to search for .avi files or powerpoint documents or any type of file, use the "filetype:" operator. Ex. travel filetype:pdf 

4. Definitions

To find the meaning of a word, use the "define:" operator. Ex. define:tenacious

5. Calculator

To do a specific calculation, simply type in the URL box and you can get the answer instantly. Use the basic operators like +, -, /, * and parenthesis. Ex. (4^7/23+45)

6. Site Specific

This is faster than example 3. This is used to search for a particular word or phrase only in a specific site. site:juaninvestor.com colfinancial will search for "colfinancial" only in this blog

7. Exact Phrase

 If you are searching for the exact phrase, use quotes. "best video compilation"  returns pages that contain the exact phrase "best video compilation"

8. Backlinks

Find pages that link to a specific site or page by using the "link:" operator. Ex. link:lifehack.org 

9. Numrange

This feature searches for a range of numbers. Use the ".." operator to execute. In example 2, we can search for it like best books 2011..2014 and the results will be the best books from 2011 to 2014

10. Weather

Search the weather for any city worldwide. Type "weather" followed by the city, state, zip code or country. Ex. weather talisay city, cebu

11. Unit Converter

Convert weights, lengths and other units of measure. Ex. 34 days in hours

12. Types of numbers

Google algorithms can recognize the pattern of numbers entered into the search bar. It can search for:

• Telephone area codes
• Zip codes
• Package tracking 1Z9999W99999999999

13. Local Search

Search anything in your city using the zip code. mexican food 90210

14. Vertical Search

To search for a phrase in a specific category, use the vertical search. If you like search for a term specifically in the blog category, use blog search.

• Blog Search
• Book Search
• Code Search
• Finance
• Images
• News
• Video

15. Location of Term

By default, Google searches for the term within a web page. But if you just want to search it in specific locations, you can use the operators like "inurl:", "intitle:", "intext:" and "inanchor:". Those will search for a term only within the URL, title, the body text and the anchor text (text used to describe a link) Ex. intitle:sleepwalking 

16. Similar Terms

Use the "~" operator to find similar terms. Ex. ~juaninvestor - juan will return results containing "investor" like investor juan but not juaninvestor

17. Wildcard

The "*" symbol is a wildcard. This is used if you are trying to find a song but can't remember the exact lyrics. Ex. "shower *love lyrics" will return to the song by Surface - Shower me with Your Love. You can also use it to find the term in a certain domain such as dogs *.edu

18. Either / OR

If you want pages that contain one or both of the terms, use the "|" (pipe symbol).

Ex. crazy | love will return pages containing crazy and/or love

19. Answer to life the universe and everything

Search the phrase and Google will give you the answer!

20. Advanced Search

If you can't remember any of these operators, you can always use Google's Advanced Search

New Year's Gift - FREE John Maxwell Audiobooks

Hi everyone! What a good year for us to start 2015!

I want all of you to jumpstart the year so I decided to share these nuggets of wisdom from a renowned author in self-help particularly in leadership. I want to share to you these audiobooks from John Maxwell.

I personally recommend audiobooks for ease and convenience. You can listen to the books while doing something be it running, exercising or cooking. It's truly great, I know.

Got these links from a friend and now is the time to pass the baton to you :)

Easy-peasy: Click on the link and it will open a new window. Wait for 5 seconds and click on the "SKIP" button on the upper right corner. And there you can download it for free! 

May you learn something from this. Share the knowledge! Kudos!

JOHN MAXWELL AUDIOBOOKS COLLECTION

Download link: http://adf.ly/vsq00 

Download link: http://adf.ly/vspRG

Download link: http://adf.ly/vsq01

Download link: http://adf.ly/vsq03

Download link: http://adf.ly/vsq04

Download link: http://adf.ly/vsq05

Download link: http://adf.ly/vsq06

Download link: http://adf.ly/vsq07

That's it! I hope you enjoy! Comment below if you have trouble downloading. 

Evaluate, Plan, and Action

It's 2015. A new year, a perfect time to evaluate, plan, and take action.

I've kept it simple, and it works (Evaluation, Plan & Action)

Early on, I wanted to input all my transactions in an app and I figured that was the way to do things. It didn't work for me. I ended up with a simple budget with very few categories and that basically gave me an outline of things I should spend on monthly. That's all I needed. Once I budgeted and took action, it became automatic.

I paid my children first (Evaluation & Plan)

I made a promise to my children (5 & 8) that I will give $10 each month, and they can spend $20 of it once they reached $120. They reached it, spent it, and bought gold with what's left. I've set a target for them to own variants grams of gold in relation to their allowance. They own 1 gram (+/- $50), so they'll need to have 2 grams and as their allowance (in the future wage) increases, they'll have a lifetime (and habit!) to collect the 2.5, 3, 4, 5, 10, 25, 50, 100, 250, and 500 grams of gold (Indonesian Antam gold). Those gold will represent the stages in their life of having sum amount in allowances and wages.

Invest in myself  (Evaluation, Plan & Action)
I haven't been able to set aside for myself and actually, I did not setup a plan for it either. Total failure. This year, I will be applying a bit of my children's plan to myself ($10/mth), opened an account that will give me the ability to purchase mutual funds  and hopefully kickstart everything into gear. Also, one thing I'll need to start for this year is a retirement account.

Controlling wants (Evaluation & Plan)
I've failed in controlling my impulsive wants. I bought a phone and I love it. It's a Windows Lumia 535 phone. It's great for my budget and my needs, but I should have been able to hold it off a bit longer. This year, I'll try to put barriers on my spending through a 30-day list for my wants, 2 items out for 1 item in, and doing an experiences vs possessions comparison to hold off my impulses. I'll be posting some articles based on windows apps and the success/failure of barriers.

Al-Amwali (Evaluation & Plan)
I've written around the same amount of articles, I target myself to write around the same amount, look back on ideas that I've post and apply those that I haven't.

Let's get through 2015 with much improvements from 2014. InshaAllah.