Category Archives: All about money

Free eBooks that will help you expand your Financial I.Q.

I am an avid reader of business books since the time I got scammed. Whenever I read a book and apply the principles my net worth usually increases. I just want to share all the books that’s helping me when it comes to having a sound judgement with my investments and strengthen the core foundation of my personal finance.

Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth

Secrets of the Millionaire Mind reveals the missing link between wanting success and achieving it!

Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? Is the difference found in their education, intelligence, skills, timing, work habits, contacts, luck, or their choice of jobs, businesses, or investments?

The shocking answer is: None of the above! – Amazon

Life changing book, wish I had read it earlier, but glad I’m reading it now! Confirmation, ahas, and good old common sense! A most read for anyone wanting to change their life for the better! Can’t wait to read it again! -Geegi H


The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns


There are a few investment managers, of course, who are very good – though in the short run, it’s difficult to determine whether a great record is due to luck or talent. Most advisors, however, are far better at generating high fees than they are at generating high returns. In truth, their core competence is salesmanship. Rather than listen to their siren songs, investors – large and small – should instead read Jack Bogle’s The Little Book of Common Sense Investing.” – Warren Buffett, Chairman of Berkshire Hathaway, 2014 Annual Shareholder Letter. – Amazon

Jack Bogle, the inventor of the index fund, revolutionized how Americans invest and drove down the outrageously over-priced mutual funds that were charging so much for underperforming an unmanaged index. We all owe him a debt of gratitude for his pioneering work.I have read just about everything Bogle has written and wished I had ONLY read what Bogle has written. As a long-time trader and investor, I keep coming back to KISS: Keep It Simple, Stupid. 99% of us would earn more and sleep better if we stopped trying to trade the markets and instead bought a diversified basket of low cost index funds or ETFs and NEVER SELL. – Mike Victor


The Intelligent Investor: The Definitive Book on Value Investing. A Book of Practical Counsel


“By far the best book on investing ever written.” (Warren Buffett)

“If you read just one book on investing during your lifetime, make it this one” (Fortune)

“The wider Mr. Graham’s gospel spreads, the more fairly the market will deal with its public.” (Barron’s)


Several rules of thumbs I noted into my keep:
– Investor buys the business [based on its price/value], speculator buys the stock [based on an absurd believe that he can foresee where the stock price will go].
– The best way to earn adequate return without any trouble whatsoever is to invest into cheap (low maintenance cost) indexes; use dollar averaging (buy every month instead of once at a random point of time) for smoothing the luck involved.
– For enterprising investor (willing to spend much more time), look for a diversified list of bargain issues (at least 30 issues, business values (i.e. net current asset and other related metrics) is below market cap)
– During the bubble, hot industries and companies are getting overpriced. That could only be financed from somewhere. Partially that money are coming from well established old economy companies that lose the appeal. Thus, invest in such old economy companies while bubble grows, as soon as the bubble burst – undervalued companies would rise back. –  Alex


Awaken the Giant Within : How to Take Immediate Control of Your Mental, Emotional, Physical and Financial Destiny!


The acknowledged expert in the psychology of change, Anthony Robbins provides a step-by-step program teaching the fundamental lessons of self-mastery that will enable you to discover your true purpose, take control of your life, and harness the forces that shape your destiny. – Amazon

“Yet another profound and powerful tool in the Robbins arsenal of self-awareness. It has been an enormous source of strength and insight for me both personally and professionally. ” (Peter Guber Chairman and CEO of Mandalay Entertainment)

“Anthony Robbins is the ‘ultimate coach’ for that special breed of men and women who will never settle for less than they can be.” (Pat Riley NBA “Coach of the Decade”)

“Required reading for anyone committed to increasing the quality of their life.” (Dr. Barbara De Angelis author of #1 bestsellers How to Make Love All the Time and Secrets About Men Every Woman Should Know)

“Tony Robbins is one of the great influencers of this generation.” (Stephen R. Covey author The 7 Habits of Highly Effective People)

“Astonishing credibility. . . . every page bursts with well-researched and immediately practical guidelines for concentrating your thoughts and emotions on the attainment of your goals.” (Scott DeGarmo)


The Bogleheads’ Guide to Investing


“The best one-stop shopping solution to saving, debt management, investing, insurance, and financial planning I have seen between two covers. For the price of a week’s worth of lattes, you can secure your future.”
—WILLIAM J. BERNSTEIN, cofounder, Efficient Frontier Advisors, LLC, author of The Intelligent Asset Allocator, The Four Pillars of Investing, and The Investor’s Manifesto

“I’m often asked to recommend a good, basic book on investing, and The Bogleheads’ Guide to Investing has been my go-to pick since its original publication. It focuses on all the right things: the virtues of maintaining a frugal lifestyle, keeping investment costs down, and building a simple, low-maintenance portfolio. And importantly, it also tells investors what they can safely tune out—namely, day-to-day market action and the latest ‘hot’ investment products. Its advice will stand the test of time.”
—CHRISTINE BENZ, Director of Personal Finance, Morningstar, Inc.


The Millionaire Next Door: The Surprising Secrets of America’s Wealthy

A nerve has been hit….[For] people who want to become wealthy. (USA Today)

A primer for amassing wealth through frugality. (The Boston Globe)

An interesting sociological work. (Business Week)

A fascinating examination of the affluent in American society. (The Dispatch (Lexington, NC), (Nc) Dispatch)

These, for the wise, are tips for all of us….A very readable book. (Cox News Service)

Debunks the image of the rich as high-living spendthrifts. (U.S. News and World Report)


The Success Principles – 10th Anniversary Edition: How to Get from Where You Are to Where You Want to Be


“If you could read only one book this year, you have it in your hands.” (Harvey Mackay, author of the New York Times #1 bestseller Swim with the Sharks without Being Eaten Alive)

“Great book, great read, great gift for anyone committed to becoming a Master of Life!” (Michael E. Gerber, author of The E-Myth books)

“I have personally learned a lot from Jack Canfield and I trust you will too.” (John Gray, Ph.., author of Men Are from Mars, Women Are from Venus)

“. . .an illuminating and easy-to-read book. Jack’s teaching is highly effective. . . .” (Ken Blanchard, author of The One Minute Manager(R) and Customer Mania!(R))

“. . .the best success classic to come along in decades. . . .” (Les Brown, author of Live Your Dreams and Conversations on Success)

“. . .a must-read for everyone who is looking to attain new heights in his or her life.” (Arielle Ford, author of Hot Chocolate for the Mystical Soul)

Unfair Advantage: The Power of Financial Education


In Unfair Advantage & The Power of Financial Education Robert underscores his messages and challenges readers to change their context and act in a new way. Readers are advised to stop blindly accepting that they are ‘disadvantaged’ people with limited options. They are encouraged to act beyond their concept of limited options and challenge the preconception that they will struggle financially all of their lives.

Zero to One: Notes on Startups, or How to Build the Future

“Crisply written, rational and practical, Zero to One should be read not just by aspiring entrepreneurs but by anyone seeking a thoughtful alternative to the current pervasive gloom about the prospects for the world.”
The Economist

“An extended polemic against stagnation, convention, and uninspired thinking. What Thiel is after is the revitalization of imagination and invention writ large…”
– The New Republic

“Might be the best business book I’ve read…Barely 200 pages long and well lit by clear prose and pithy aphorisms, Thiel has written a perfectly tweetable treatise and a relentlessly thought-provoking handbook.”
– Derek Thompson, The Atlantic

This book delivers completely new and refreshing ideas on how to create value in the world.”
–  Mark Zuckerberg, CEO of Facebook

“Peter Thiel has built multiple breakthrough companies, and Zero to One shows how.”
–  Elon Musk, CEO of SpaceX and Tesla


David Isaiah Angway is a Registered Financial Planner, Chartered Wealth Advisor and a financial consultant for IT-BPO-Banking, HealthCare Industry and Manpower Agencies. He is a conference speaker and was featured multiple times in ABS-CBN News Channel show called On the money, Bloomberg TV Philippines First Up, Morning show of NET 25 called Pambansang Almusal, Eagle Broadcasting Company EagleNewsPh Facebook Live and different radio stations in Metro Manila. He also writes for BusinessMirror,, and MoneySense magazine.

He is the CEO and founder of WinLongTerm Financial Consultancy, that help organizations retain their top key employees such young urban and educated millennial (Gen Y) by teaching practical money management in the workplace. You can contact him thru his website and his Facebook Page @WinLongTerm for more informative ways how to grow your money and secure your family.

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Filed under Abundance, All about money, Behavioral Finance

Abandoning the Middle Class Mindset


By: Dave Monter, RFP – Wealth Coach


The middle class are just comfortable of where they are right now in terms of their finances.

Yes, I did just say that. I hate to break it to you but if you want to be rich, you just don’t settle for what’s comfortable. You go higher than that, you go for extremely comfortable. I get the feeling that some, if not most of you, will have a negative or uncomfortable feeling towards what I’m writing right now. You might say, “Shouldn’t I be contented with what I have?” No, you shouldn’t be contented – you should be grateful for what you have and then strive to have more so that you can be extremely comfortable and be able to help more people along the way. The difference, ladies and gentleman, lies on the purpose of why you want to be rich. The rich think bigger than themselves or their family. They want to leave a legacy.


Reflect on that uncomfortable feeling you just had when you read the things that I just said, such feeling may just be the very reason why you can’t or won’t become rich.

Upon reflecting on the differences between the rich, middle class and poor, I have realized that being in the middle class is a mix of both rich and poor mindsets but that for me is such a dangerous place to be. Why? Because being a middle class, they already have the tendency to be rich but doesn’t want to take that risk or that jump to their next level. At the same time, the middle class have the tendency to be poor, should they sulk longer in what they call, “victim mode”.




You would know if a person is in a victim mode if they do the following (especially with regards to his or her finances):


  1. Blaming – They are very good at the “blame game”. They blame their parents, the government, the weather, the economy, their neighbor, even their pets (just kidding!) for their misfortunes with regards to their finances. My dear friend (I wish), Bill Gates, said it perfectly, “If you are born poor, it is not your fault. If you die poor, it is your fault.” So quit all the blabbering about all the BIR stuff and start taking charge of your finances.



  1. Justifying – They are also good at justifying why they aren’t rich. The most common justification that they use is that “Money isn’t important”. If you’ve heard of this line from someone, most likely that person is broke or just getting by. Money is important. Try paying bills and food with love, honesty and trust. Let’s see where it will take you. If you have negative image of money, it’s highly unlikely you’ll ever be rich. Time and time again it has been said, money is not the root cause of evil. It is the love of money that is the root cause of all evil (1 Timothy 6:10).



  1. Complaining – What you focus on expands. If you focus on the negative things about your finances such as your debt, you will attract more debt. If you focus on the what’s wrong, all of your energy will attract more of it. However, if you focus on, let’s say, earning more through an additional source of income, all of your energy will focus there. Thus, this gives you more opportunity to earn and eventually pay off your debt.


Upset and angry boy with steam coming from his ears and arms folded concept for anger, frustration and mischief

Upset and angry boy with steam coming from his ears and arms folded concept for anger, frustration and mischief


Letting go of being in the “victim mode” will help you focus on what’s more important – taking charge of your finances. It will not be easy, I tell you. There will be times that you will be shifting back to your default mode. That’s why discipline is needed to hack your brain to focus more on going full out on your financial life. Going back to your default mode is normal, but how long you would be staying there will define whether or not you are on your way to becoming rich. Pass by such feeling, just don’t hang out in that place for too long.


To start rewiring your mindset from that of a middle class to that of the rich, I would recommend that you do the following:


  1. Wake up early – You will be finishing a lot of activities within the day if you do so.
  2. Exercise – Everything around us is energy. If you exercise, not only you will be healthy but you will have lots of energy. Money is energy that is why it is called currency.
  3. Audiobooks – Devour yourself with audiobooks while stuck in traffic instead of complaining how traffic is.
  4. Self-development seminars – Attend and invest on yourself by attending self-development seminars. You can reach out to I Am Plus Limitless Coaches ( or for schedules of these seminars.
  5. Theory of Space – Surround yourself with people who have reached the level where you want to be, who are better than you and who are richer than you. Spend most of your time with them. Pick their brains. Remember what my good pal (kidding) Jim Rohn said, “you are the average of the five people you spend the most time with.” You want to become a millionaire? Start hanging out with them. Do whatever it takes. Join groups, clubs, etc. You’ll be surprised of the results.



Dave Monter is a Registered Financial Planner, has a Diploma in Financial Planning in Australia, and a Life and Wealth Coach.

He used to be your average employee, living paycheck to paycheck until he decided to venture into entrepreneurship. He is now an advocate of helping people change their mindset towards life and wealth, in the form of coaching, as he sees the two areas related to one another.

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Filed under Abundance, All about money, Clarity

5 compelling reasons why you need to invest in real property

Thinking of a good investment for your future? Here are five good reasons why real property should definitely be at the top of your list.




It’s a relatively low-risk investment

Of course, with investments, there can never be any guarantee. Depending on what it is you have invested in, you might end up losing more money than you gain. An investment in real property, however, is less likely to end up a fluke so long as you play the game right. After all, it is not without reason that real estate is considered a “rich gainer”. The key thing is to keep in mind that several factors—the geographic location, mortgage interest rate stability, inflation rate, population density, market behavior, etc.—determine whether a property is going to make a good investment or not. Play these factors well and you’re in for a positive cash flow in the years to come.



It’s not time consuming


If there’s one resource that is just as valuable as money, or even more so, it would be Time. The great news about real estate investments is that they are not time-consuming ventures. It’s more on learning to watch and wait for the optimum time—excellent market conditions that would allow for great property deals. The entire process involved in consummating the deal may be overwhelming at first, but don’t worry! You can always ask for professional help, but we’ll talk about that later.



You don’t need big capital 


What’s wonderful about real estate investments is that you don’t have to shoulder the finances alone. You don’t need to have a huge start-up capital. So how will that work? This is where the concept of leveraging comes in handy. It is a common practice in the industry for property investors to put in only a part of the full sum that they need for the investment. The rest of the financing often comes from other sources such as finance companies, investment companies, banks, and OPM (Other People’s Money). Your ROI (Return on Investment) will then largely depend on how well you have utilized the concept of leverage based on a keen understanding of mortgage rates, property appreciation, and other key factors.



You can benefit from real estate appreciation


Appreciation rates for properties vary depending on their location. Well-maintained locations and those that are in high-demand areas often garner the highest appreciation rates. These are areas you should be on the lookout for. You could even own properties that appreciate for as much as 8-15% annually as long as you know where to start looking.





There is a high demand for real property


Especially in highly-populated areas where usable land area is scarce, real estate properties are in high demand. These areas may be constrained by development regulations, resulting in an increase in demand for land. In such locations, it is thus not uncommon to see prices for real estate skyrocket. Going with the trend for real property is thus going to prove an entrepreneurial decision on your part, and one day soon you’ll be thanking yourself for investing in it.

While there are, indeed, strong reasons for making an investment in real estate, you might feel at a loss—not knowing exactly where and how to start. If so, that is not a problem! That is exactly why we’re here.


PHILGEMS Realty Corp, it is our passion to cater to those who seek professional help in real estate investing and property management, among others. Our organization is made up of seasoned individuals—professional licensed brokers, experienced consultants, and accredited real estate salespersons—all dedicated to helping you invest in properties wisely. So <a href=””> give us a call or leave us a message today </a>, and let us know how we could be of assistance. We would be more than happy to render our professional services so you could make the best out of your investments.


Richard Thaddeus Carvajal is a Registered Financial Planner and the CEO of Philgems Realty Corp.

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7 things Golden State Warriors can teach us about personal finance





Congratulations again to all GSW fan for putting a good fight right now even we lost in the biggest stage (NBA Finals) that doesn’t mean we never learn. They are back to back Western Conference NBA Champion and won multiple awards for their organizations this year. That doesn’t stop there but they also made another history by beating the Chicago Bulls 1995-1996 historic run of winning 73 games out of 82. That record was unbeatable for the last 20 years. Is that a stroke of luck or there’s a formula for success in making things happen?


These are the recipe in order for you to replicate the success that you had yesterday without the following are a clueless wanderer on how to make things happen.


You got to have big why – Whenever they were asked what’s their yearly goal, the team consistently says “we want to win championships and break barriers”, with that answer, that propels them to drive the team to do the things they need to do. The Golden State Warriors teaches you to be reminded why you need to save, invest and have insurance. They also gave you insights that you need to keep on paying your mortgages and the reasons you need to put money on your mutual funds or retirement funds. If you want to win, you need to think with clarity why you need to monitor your finances and that will solve bigger issues.




You need a coach – When they started the season, head Coach Steve Kerr was not there to simply take care of his team full time but when the Golden State Warriors won their first 24 games, everybody was getting crazy. It was Luke Walton the assistant coach, secondary to Kerr was responsible in pushing those hard buttons early this season.  Having a coach increases performance since there’s accountability partner behind you, a coach should increase your awareness and help you bring into your consciousness all those existing issues that you have in your finances. They aim to simply make you progress on your finances in long-term not just acquire products that doesn’t fit to your goals and risk profile.


OAKLAND, CA - MAY 10: Stephen Curry of the Golden State Warriors poses with his back-to-back NBA Most Valuable Player Awards following a press conference at ORACLE Arena on May 10, 2016 in Oakland, California. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Ezra Shaw/Getty Images)

OAKLAND, CA – MAY 10: Stephen Curry of the Golden State Warriors poses with his back-to-back NBA Most Valuable Player Awards following a press conference at ORACLE Arena on May 10, 2016 in Oakland, California. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Ezra Shaw/Getty Images)


You need to play like an MVP – Curry keeps on doing a lot of crazy things in the court but the secret to it is his preparation and the way he lead his team will also reflect the outcome of their game.  He plays like an MVP, by breaking every stone wall, doing crossovers, dribbling in style and making sure her daughter present in the post conference haha. Every single day you should wake up with the mentality of getting things done, be assertive in your finances and play the whole 48 minutes of the game. If you are currently in debt, learn to hustle more and rebound from those old mistakes and put your best in the field.




You need to prepare – When Curry and the rest of the team have this pre and post conference with the media, they keep on telling everyone about their mentality. “We need to be hungry and never settle from what we have achieved” That’s absolutely correct, when you are hungry, you are unstoppable. You better understand that you got money and if you won’t take care of it, you will surely lose it but if you are hungry to help more people and prepare for the worst it will prevent you from fatal disaster. You need to be serious with your money coz others (big companies designed their marketing to lure you) are serious to take that away those hard earned moolah that you have.





You need to defy the odds – A historic run of 73 wins is another record high. A back to back champion is another one.  1st time in the history of NBA there’s a unanimous vote for MVP was another milestone for this organization. They started to believe and execute things daily and got the reward. You can also achieve it by deciding to win today.




You need a great team- Golden State Warriors got plenty of guys to choose from especially when they’re shooting percentage is too low. They got their bench take over when Curry and Thompson also known as the splash brothers are missing a lot of shots, their bench are the one who is solving the gap and defense. In your finances, you should have a team who can help you grow but if those people who are with you are dragging your savings, making your investment go low then you might need to reconsider joining their gimmicks.



You need to have an effective system – Basketball is all about system, the Warriors won their first 24 games and became the champion again since they have an effective routines, when it comes to your finances, I would recommend you to double check the things that’s working and not. Whenever you use your time, you need to make sure that there’s always a return of investment. Don’t just focus on passion but also focus on your routine. Gretchen Rubin said that your habits are the invincible architecture of your life.


The playing style of Warriors is like an army or a navy seal; they adapt, adjust and respond. They have core mentality that in order for you to win long-term, you need to let that ego out from the door and you will thrive more. See you again at the NBA Finals 2016-2017.



Your finances will be in a bad situationif you don't stop chilling with the wrong people (17)

David Isaiah Angway is a RFP and a financial consultant for IT-BPO-Banking, HealthCare Industry and Manpower Agencies. He is a conference speaker and was featured in ANC On the money, Bloomberg TV Philippines. He is also columnist at BusinessMirror, Rappler, and MoneySense magazine. He is a licensed nurse and a former Senior Fraud Specialist of the largest bank in the world, JP Morgan Chase & Co.

He is the CEO and founder of WinLongTerm Financial Consultancy, helping young urban and educated millennial (Gen Y). It sets and achieves their long-term financial goals by empowering them through behavioral finance.

For more information and concerns subscribe to Facebook page or contact me at, here’s also my mobile number 0925-787-7796



Filed under All about money

Top 10 Quotes about money

Top 10 Financial Quotes
I hope this will give you more clarity about your definition towards a powerful tool. At the end of the quotations I suggest to create your own definition and share it to everyone.


David Isaiah Angway is a Financial Evangelist

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Filed under All about money, Financial Evangelist, Mindset, Money quotes, Win Long Term