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The Learning Mom

Work, Health, and Financial Literacy resources for Parents

Live a Life Under Your Own Terms. Start Today!

Live a Life Under Your Own Terms. Start Today!

Missed the pre-2010 Gold Rush that was Google Adwords? Don’t fret because today’s brand new Gold Rush is in your fingertips (there are two of them, in fact):

LinkedIn Gold Rush by Jay MacLean, who will spill the beans on:

AWESOME CLOUD TOOLS to Boost Productivity and Save Time For You and The Business You’re Looking After

A Live Demo of Google Apps (Google Sites, Gmail, Docs etc) and How You Can Use Them To Share and Store All Your Systems To Increase Productivity For Your VA Services.

How To Get Started With LinkedIn and Ensure Everything Is Set Up Right And Attract The Businesses You Want To Add Value To (7 Segments Of An Awesome Profile)

How To Build A Large List Of Qualified Leads Without Breaking The Rules For Your VA Business (4 Key Steps Each For Sending Invitation & Thank You Message)

The Best Methods For Turning Online Connections Into Meetings And Sales (5 Awesome Elements To Your Coffee Meeting)


Facebook Gold Rush by Jomar Hilario, who will discuss his “diamond of ‘infinite’ wealth”

Jomar Hilario's Unlimited Wealth Diamond

Jomar Hilario’s Unlimited Wealth Diamond

This is happening on November 7 and 8, 2014 in Ace Hotels and Suites (near Ortigas Center), Pasig City, Philippines. Can’t make it to the venue? You can DOWNLOAD the recording of the live event! 

I am taking this course myself, and I am currently applying the lessons in the pre-event webinars to maximize my learnings in the live 2-day event.

Don’t miss this golden opportunity (yet again). Attend the VA 202: Work At Home/Business Gold Rush Seminar, start increasing your profits, so you can live life under your own terms!


*In the spirit of full disclosure, this is an affiliate link, which means that I may get a commission if you decide to attend the event/download the recording. I only recommend products & systems that I use and love myself, so I know you’ll be in good hands. I do hope to see you at the VA 202 Gold Rush Seminar!

     Want to start investing in the stock market, but don’t know where to start? Check out our previous post on starting online stock trading in 6 easy steps.

     If you are based in Cebu (Philippines), you may want to attend      the “Cebu Stock Market Conference” organized by the Philippine Stock Exchange on May 23, 2013 from 1:00pm to 5:00pm at the Marriott Hotel in Cebu. As a follow up to the PSE’s successful stock market roadshows in 2012, this seminar will present the latest stock market updates, programs and products initiated by the Exchange.

PSE Cebu Stock Market Conference

     Prior registration is required. To attend this free seminar, you may contact Ms. Conie de Castro, the PSE Cebu Office OIC, at telephone number 266-3464 or email her at mbdecastro@pse.com.ph.

You can start stock investing online in 6 easy steps

Posted by Learning Mom on April 25, 2013
Posted in GROW YOUR MONEY  | Tagged With: | No Comments yet, please leave one

With the advent of the internet age, online research, online shopping, online banking, online gaming, online surfing, chatting, or meeting – just about anything online has become part of everyday life. It should therefore come as no surprise that online stock trading should follow as a matter of course.

Stock market investing had been on my mind for several years now, but other priorities have always needed immediate attention (monthly family expenses, education, debt servicing, etc.). This year, however, I FINALLY decided to stop procrastinating and start investing, because with investing (especially long-term investing) – time is on our side.

So how does one go about stock investing online? Being a newbie, I decided first and foremost to look for a mentor so I don’t have to wade through a sea of unfamiliar jargon that could dampen any resolve I have made to finally invest in the stock market. Chronicled below are the steps you can likewise take to start your financial journey into the world of stock market investing:


1. FIND A MENTOR who can explain stock market investing to you in plain, understandable English!


I found one in the person of Preacher Bo Sanchez. Heck, if he could guide his househelp and staff through all this, I was pretty confident I could hack it as well.


2. CHOOSE A STOCK BROKER. In my case, I chose COL Financial Philippines – the online stock broker (yes, you read it right – online stockbroker) recommended by my mentor.  Since it’s online, you can invest in the Philippine stock market even if you’re not a Philippine resident or citizen. Why COL Financial? First, it offers an Easy Investment Program which is a simple and more convenient way of investing in the stock market for as low as Php5,000.00! Second, it claims to have the lowest commission rates (as of this writing, my account is being charged Php20 for each purchase transaction). Third, my sister has been using the services of CitisecOnline as well for several years now and she seems happy doing so. Fourth, customer service support takes prompt action on my queries and complaints. Fifth, well it WAS recommended by my mentor 😉


COL Financial Logo


3. DO THE PAPER WORK. For COL financial, just download and fill up the required forms.  Remember to attach a photocopy of any of your Philippine government-issued ID, then bring/send all documents to:

COL FINANCIAL BUSINESS CENTER 2403-B East Tower, Philippine Stock Exchange Centre, Exchange Road Ortigas Center, Pasig City, Philippines 1605.

Additional requirements may be necessary, depending on your case (i.e, if you are a non-resident, a foreigner, or you’re opening an account for your minor child, or you’re sending your documents via courier and not personally).


4. GET YOUR ACCOUNT DETAILS. Expect a sales officer to contact you regarding your COL Account No. and status of your application. I sent mine via LBC on Easter Sunday, and received an email three days after to confirm receipt of the documents. The New Accounts Officer asked me to email a scanned copy of my ID (she needed a clearer copy than the photocopy I sent) and to send the additional documents since I was also opening ITF (In Trust For) accounts for the kids. She subsequently confirmed receipt of the other requirements. Four days after, I was informed via email of our account approval, account details, and online tutorials for further instructions.


5. FUND YOUR ACCOUNT. COL’s bank partners are BPI, BDO, Metrobank. You can enroll your COL account in online banking for hassle-free transfer of funds — and so you’ll have one less excuse for not making investing a habit ;). Otherwise, you can pay over-the-counter and fax or email the deposit slip. Non-residents may do a wire transfer via BDO.


6. BUY YOUR FIRST STOCK. Expect to receive a notice of your Account Activation (and a Deposit Acknowledgement Receipt) via email, with your log-in details.  Watch this short online guide to buying and selling stocks. Log into the COL Financial site and go buy your first (of many) shares of stocks!


The 6 steps above do seem very doable right? To help you get started, my mentor, Bo Sanchez is giving away a FREE COPY of his book here.

Do you have a savings account for children?

Posted by Learning Mom on January 29, 2013
Posted in GROW YOUR MONEY  | Tagged With: | 5 Comments

A month has already passed since Christmas day.  What have you done with the money gifts your children received? Those of us with infants and very young children have, at one point or another, undoubtedly experienced being made stewards of money gifts from godparents, relatives, and friends. I was wondering what you, dear parents, do with the money with which you are entrusted.

In our case, I set up a kiddie account with BDO’s Junior Savers Club when my daughter was a few months old. My mom said she had always wanted to do that for us when we were young, but she never got to it so I willingly gave her the passbook for her to fill up for her granddaughter 😉


Then my husband opened a BPI Direct Save-Up Automatic Savings + Insurance Account, and we linked it to our BPI Savings account for auto-transfer to that account (which we have earmarked for our daughter) every month’s end. This earns 1% to 1.5% per annum, in contrast to the .375% per annum for the regular savings account. However, since we enrolled the account in online banking, it was easy to transfer funds from this account as needed (and it proved to be needed from time to time).


      So last year, I decided to open a Metrobank Fun Savers Club account for her from her piggy bank savings and other money gifts. I deliberately chose this bank because I did not want to touch her money and just wanted to let it grow. It was less accessible than BDO and BPI (is Metrobank the only bank that still closes at 3:30pm?) and we didn’t have a personal savings account/access to online banking with Metrobank so it was perfect for my purposes. After 1 year, I have yet to check how much her money has earned (told you it wasn’t as easily accessible to me as the other banks, not that I live in the boondocks).

When I opened the account in Metrobank last year, I was introduced to an investment-linked insurance product of its sister company, AXA – to grow her funds faster than just keeping it in the bank. It seemed an interesting option, but I had another baby due at the time and I wasn’t sure I could consistently provide the annual premium for 5 years. I declined, but at the back of my mind, I knew I had to find a better way to safe keep our daughter’s money than just keep it in the bank (I am reminded of the Parable of the Talents). Not that she has a lot already, but I want to teach her sound financial investing – and a greater yield would definitely motivate her when she’s old enough to understand – – maybe when she turns 5 😉

To be honest, not all the money gifts given to our kids goes directly into the savings account. Sometimes it finds its way to the “urgent and important quadrant,” so to speak (like buying milk, diapers, vitamins, etc) – instead of the “important but not urgent quadrant” (savings).  I’ve always felt guilty about this, like I’m siphoning off funds from their nest egg. In my mind, I would rationalize it by saying I would “repay” their account na lang. Then my husband gives me a reality check saying, “it’s not like they’re young movie stars and we’re stealing from them.” Yes, nothing like a flair for the dramatics to help get the point across to me.


        Fast forward one year later, I decided to seriously consider doing “semi-passive” stock market investing – – ONLINE (yes, there is such a thing!).  To guide me through the process, I reactivated my subscription to the TRULY RICH CLUB of Bo Sanchez, this time determined to really do this because I have 2 little angels as added motivation. I urge you, dear parents, to seriously look into it as well. You’ll be so blessed with the fruits of your investment in a few years’ time – both financially AND  spiritually (Bo Sanchez is, after all, the “Preacher in Blue Jeans”). To know more on this alternative investment vehicle, click on this link.

Others may be thinking, “but I need to build up a decent amount of money first before I go into that thing,” – and you may be right. To give you a hint ‘tho (and so you won’t wait too long to start this), minimum investment is Php5,000.00. If you need to pool together some more money gifts for this, and need information about other banking options in the meantime, you can check out this June 2012 post in Money Sense

Just remember to invest in the stock market already once you’ve reached enough for the Easy Investment Plan (Php5,000). Better yet, subscribe to my blog so you’ll be reminded, as I’ll keep you posted on my experiences in the Truly Rich Club.


Join the Truly Rich Club

If you have other tips and recommendations, feel free to share them in the comments section below :)

Do you want to work from home?

Posted by Learning Mom on January 27, 2013
Posted in WORK FROM HOME  | 1 Comment

UPDATE: next VA Seminar is on AUGUST 17, 2013

Well, a lot of us say “yes” when asked “do you want work from home”? We all think it’s some kind of fantasy (that’s impossible) or a far-fetched notion of heaven here on earth (“how I wish I can…”).

Why not stop the speculation and investigate what to expect, how much  you can earn, and know more about how you can do this “work at home thing.”

Listen to the “work at home” expert, Jomar Hilario, as he trains you on how you can start making steps to leaving your stressful work and just staying in your bedroom all day …while earning!


You have two options for the LIVE TRAINING:

1. Manila on March 16, 2013

2. Davao on March 9-10, 2013

And if you can’t attend either the Manila or the Davao event (or perhaps you can’t wait until March to start learning about this), you can still be oriented via the ONLINE VERSION OF THE SEMINAR here 


Try it out and start the year right.

It’s about time you spent more time at home.