Sep 27, 2013

Live OR Die: The Power of No Options

live-or-die-no-options

When was the last time you held your butt for 5 hours to survive a "near-defecation" moment on the bus? How did you struggle going home in an extremely dark night just because you were starving to eat? In situations like these when forced to decide when only one option is available, most often than not is the most powerful mover of all.

Sep 20, 2013

Why Experience is Not the Worst Teacher

experience-not-the-worst-teacher

Antagonists say that experience is the worst teacher, well not me. This is a bias judgment and the greatest disabler of human curiosity. Imagine telling this to a young child and watch his reaction. What could we expect?

He would definitely avoid an experience. The word "experience" denotes a negative connotation that is instilled to the lad's mind making him feel averse of new experiences, not to try other things that nobody dares to do.


But don't get me wrong, all experiences are good.


The effects of this is not that apparent and the after-effects are even more plaguing. Here's an example based on a real life story of my friend.

My friend's parents were married at an early age: her father at 21 and her mother at 18 years old. They were blessed at first. They loved each other and they have four lovely children. But not until the 25th year that her parents suddenly separated! 

The reason - her mom gave birth to a son from another guy. Depressing.

When the extended family (her uncles, aunts) came in to probe about the issue, they found out that the reason why her (my friend) mother left them is because she didn't love her husband anymore and she didn't want to live like a nanny - taking care of children and staying at home all the time. She wanted to go out with her young friends to party like there's no tomorrow. 

In a wider perspective, there are are many possible reasons why she had done that decision. However, one of the most probable reasons (which her uncles and aunties also agreed), is because her mom haven't passed through the post-teenager stage. When she got married at the age of 18, what she did was all motherly tasks and activities.

While other women at this age go travelling around the country making friends and exploring their womanhood, her mother was already breastfeeding the baby.

The problem can be attributed to the early motherhood of her mom. Instead of exploring one's self at an early age and marry at the right time, her mother did the opposite.

What I am trying to say is that, the more experiences that you have the lesser the chances of activities to recur when life tends to be serious. Thus, it is better to start with self-discovery at first and then move on to another stage.

Good or bad experiences, there is no exception. For as long as you tried something illegal yet you know how to get out, there's nothing wrong but ALL the risk is in you! It's kinda similar to my previous blog post - Once Tasted, Always Wanted, where I unearthed the whole meaning of the short phrase.

Experience is like a coffee. It is best served in the morning. One should be open to new experiences for this will mold us into perfect US. To try things at an early age is an advantage because you will have an idea what and how it feels like and your learning is growing with your age. Hence, experiencing more things is a wise move!

Similarly, in the context of investing, people who are exposed to investing at an early age has a far greater advantage than those ones who learn at early 20's or even 30's. Conclusively, learning is effective at an early age.

I often hear people stating the exact age when to start a certain endeavor. Yes, this is possible but the learning curve is greater. That is why I encourage everyone to learn investing as early as NOW or not later than this MOMENT!

Sep 17, 2013

3 Best FREE Services Not Worth Spending

free-courses-and-movies

I am one of the advocates of the cliche, "The best things in life are free." While this may sound stupid or something (think about Lamborghini or Hermes bag which obviously you can never get for free), I know that this is not quite bad. Try these stuff first and you can thank me later.

Sep 8, 2013

7 Lessons On A Trip to The Party Island - Boracay

Three weeks ago, I went to Boracay to experience the luxury of resort living and to escape the cubicle space for a while.

The travel was spontaneous and unplanned. Due to desperateness of not having a plunge on salty clear waters for months, we booked a flight straight to the lovely island without even thinking for the accommodations, itinerary and budget.

Well the stupid notion turned out to be terrific and I didn't regret either. There are several reasons why I chose to go to Boracay instead of other beautiful places in the Philippines.

(1) Boracay is said to be the World's Best Island in 2012, Best Beach in Asia for 2013 based on TripAdvisor's survey, defeating other destinations across the continent. Worth trying, I thought.

(2) I don't want to be a foreign citizen in our own country. When my friend (an American) told me his experience in Boracay, I was just nodding stupidly. At the end of the conversation I laughed and said, "Yeah, I should go to that beach soon."

(3) I want to experience partying at the beach. While having a disco on the city lights may sound nice, I find it great to dance with a soft ocean breeze on a native hut.

(4) Travel enlightens your ideas and imagination. A wider perspective enables us to visualize and prototype our thoughts clearly.

(5) A prequel to my desire of living a nomadic lifestyle. 

There are two ways going to Boracay from Manila, Philippines: (1) A direct flight from Manila (MNL) to Caticlan (MPH) or (2) Manila (MNL) to Kalibo (KLO). Convenience-wise, the first option is preferable. You can save 2 hours of travel, if you want to.

But we challenge discomfort and embrace adventure so we opted for the second option - Manila to Kalibo. Our flight was scheduled to be at 3 pm on a Friday afternoon.

Lo and behold, there was a notification to cancel all flights of ZestAir. So we ended up waiting there for seven (7) hours in the airport until we were transferred to another carrier.

Couldn't blame them either. The reason of cancellation of all flights was due to safety issues being detected on the airline. Way better than being landed on the sea if it weren't detected beforehand, I thought.

juaninvestor-in-boracay

We arrived at Kalibo Airport at 11:30 pm. We searched for any means to travel going to the Jetty Port (the port where boats are stationed going to Boracay island).

Before heading to the exit, there was a banner posted "Php 250 going to Boracay thru a shuttle van." I wasn't paying attention instead, I asked the security guard if there is anything else we can ride going to Boracay. The answer is negative.

Considering the time, there was no other vehicles available except for the van. No choice so we hopped on the van and traveled for 2 hours.

While in the course of travel, we were laughing out loud and making fun of our travel experience and was so excited to see the island.

Both of us were first-timers in Boracay. When we arrived at the Jetty Port around 1:30 am, we felt hopeless. But the feeling was gone when we saw a boat still accepting passengers going to Boracay!

However, the fare was almost 7 times higher - Php 100 instead of Php 15 regular rate! The reason why it's more expensive is because it was beyond their regular travel time which is from 6 am - 10 pm.


First myth that we busted - you can go to Boracay at ANYTIME, no time limits!


We arrived at 1:40 am in the coast. I could still remember the amazement on my face when my feet were subsiding while stepping on the "floury" sand. 

After the boat ride, we rode a trike going to Boracay and paid Php 50 each. At exactly 2:00 am, I had my first step in Boracay.

But there was a problem: where would we stay? We haven't booked hotels or anything. We thought that we could just find cheap accommodations by wandering around the place.

juaninvestor-with-boracay-sandcastle

We went to places nearby for accommodations but all were closed! It's already 2:00 am.

So what we did was still brilliant - drunk beer in the shoreline while watching the tides. It's not until 6:30 am that we finally found a decent place to stay for just Php 1,500 a night.

While we were walking around looking for rooms to stay, a certain guy approached us and offered a room. He guided us to the place and we liked it at first sight.

It was great! Not to mention that it's in Station 1 - the center part of Boracay. There are five (5) stations in Boracay. And I would say, if you want the party-crowd, go to Station 1 or 2. Else, go to Station 3 if you want a private moment. It is silent, less-crowded and serene. I've never been to Station 5.

We had our room in Casa Santa Fe. The room has two beds good for 3 people: 1 queen-size bed for two and a single bed. It already has an aircon unit, Wi-Fi, TV, and a hot & cold shower (no free breakfast).

So if you're in three's, you're gonna spend Php 500 a night. The landlady suggested that we could buy something from the market and have it cooked for free, courtesy of her. That was part of their service. But we opted to eat outside and look for something new!




Second myth busted - you can book a room anywhere in Boracay, on-the-spot!


The man who helped us find a room happened to be our tour guide. He showed us the spectacular activities to do in Boracay at a LOW price. I was cynical at first but when I found out that he's trustworthy enough, I was confident.

As a first-timer, our original plan was to go around and explore all the establishments, take pictures and discover all places there that are worth visiting the next time around. But we never failed to swim and experience the buzz about the soft white sands in the shore.

I fell in love with the beach and I couldn't compare anything better than that. I already went to Bohol and Cebu. But for me, Boracay is the best.

When the dark gobbled the sun, the excitement rolled in. Party time! We dressed our best outfits and headed to the funkiest bar in Boracay - Club Paraw. According to our tour guide, Club Paraw has the largest crowd among all and the variety of people is great - Filipinos, Korean, Chinese, American etc.

For Php 150 entrance fee, you have a free 1 glass of vodka and you can dance all the way you want. I shouldn't have danced, considering that I only dance with the rhythm of electronic dance music, but I gave in when after a while the DJ played Steve Aoki's Boneless. Couldn't help myself when my feet dragged me to the dance floor. And the party started until we went home at 3:00 am.

The last day was a blast. We had a dinner buffet for Php 280 and we ate like there's no tomorrow. The roasted fish was so intense and I loved the pork and the chicken. We bought few souvenir items and then packed up, headed home.

For just a night and two days stay, I really enjoyed the short vacation (should have been longer if it wasn't because of the delayed flight) and I hope to visit once again after some time, of course in groups.


7 Lessons I Learned in Boracay


1. If you're in vacation mode, you can opt for a cheap flight. But never book on a budget airline during business trips. You'll surely be in trouble!

2. Time is more important than money. We could have chosen a flight from Manila to Caticlan and save 2 hours of travel instead of Manila to Kalibo.

3. Make sure you arrive in Boracay in the morning. This is the check-out time of people in hotels. Perhaps you could take place on the rooms.

4. As a first-timer, you need to have a tour guide. They can take you anywhere and might give you discounts.

5. Travel light. Don't carry anything that you won't need. Save your space for souvenirs and goodies.

6. It is more fun & cheaper to travel in groups. Laughing out loud will never be the same if you're in a group. Likewise, it is cheaper because expenses can be divided.

7. As an investor, book promo tickets in advance and save for the trip. Imagine how this trip could inspire you to work hard and think of the future. This could make you excited and enthusiastic of what's going to happen ahead. Invest in something that money cannot buy.

How about you? How was your experience in Boracay? Any places that you plan to go? :)

Update: Check out my 2nd post about Boracay - 5 Unusual and Offbeat Things to do in Boracay 2016

Sep 7, 2013

5 Lessons on a Bearish Market

stock-market-lessons

The Philippine stock market is really depressing today. With the drastic downturn in the economy, all IPO's have been affected resulting to an all-time low for several days.

A 25% loss on my stocks is alarming! This is not to brag but to show my real losses. My investment is quite small for now.

ABOUT THE AUTHOR

juaninvestor_author
JuanInvestor shares my tough journey to financial independence. My curiosity on wealth led me to books and actual practice. Here I share my experiences for you to learn and not to repeat the same mistakes. When I don't write, I like traveling to places I've never been. More about JuanInvestor.
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