The Wise InvestaGuy

"𝐖𝐡𝐲 𝐰𝐨𝐮𝐥𝐝 𝐈 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐢𝐦𝐩𝐫𝐞𝐬𝐬 𝐩𝐞𝐨𝐩𝐥𝐞 𝐰𝐢𝐭𝐡 𝐥𝐞𝐬𝐬 𝐦𝐨𝐧𝐞𝐲 𝐭𝐡𝐚𝐧 𝐦𝐞? 𝐌𝐲 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞 𝐢𝐦𝐩𝐫𝐞𝐬𝐬𝐞𝐬 𝐥𝐞𝐧𝐝𝐞𝐫𝐬, 𝐭𝐡𝐚𝐭'𝐬 𝐦𝐨𝐫𝐞 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐢𝐧 𝐥𝐢𝐟𝐞."

A few years back when I started to educate myself the value of financial literacy. I stumbled upon this quote from a random shared post. A story about a rich man sharing his thoughts about life. From then on, I took it seriously and challenged myself to build a good credit score.

That's why I became more responsible in paying my credit card dues on time and in full. Never a minimum amount due. Also I became wiser in handling my finances, investments and side businesses.

At present, it is overwhelming to know how far my financial growth has improved over the years. "Malayo pa, pero malayo na!"

For most of you, a 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 is just a number. But for some rich people, a good and excellent credit score represents a better privilege that only less than one percent (1%) of Filipinos can utilized.

Knowing your 𝗰𝗿𝗲𝗱𝗶𝘁 𝘄𝗼𝗿𝘁𝗵𝗶𝗻𝗲𝘀𝘀 can unlock a lot of opportunities that can help you grow financially and to negotiate better terms with banks and other lending institutions. 🤯

So if you are interested to know your credit score, just send a request to TransUnion PH by following these steps.
https://www.transunion.ph/credit-learning-center/get-your-transunion-credit-report

Hoping to inspire other people to understand how important building up good credit record to use as leverage for faster financial growth.

𝗙𝗢𝗥 𝗣𝗨𝗕𝗟𝗜𝗖 𝗔𝗪𝗔𝗥𝗘𝗡𝗘𝗦𝗦!

𝐏𝐚𝐚𝐧𝐨 𝐛𝐚 𝐦𝐚𝐬𝐚𝐬𝐚𝐛𝐢𝐧𝐠 𝐫𝐞𝐝 𝐟𝐥𝐚𝐠 🚩 𝐚𝐧𝐠 𝐢𝐬𝐚𝐧𝐠 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐨𝐟𝐟𝐞𝐫? 🤔

Recently ang daming news about investment scams and sobrang dami pa ding mga nabi-biktima nito. So I am sharing some ways kung paano ba natin masasabing red flag 🚩 ang isang investment offer at para maiwasan mag-engage sa mga ganitong scheme na later on pwedeng magpasakit ng inyong ulo at ng inyong bulsa.

1. 𝙄𝙛 𝙞𝙩'𝙨 𝙩𝙤𝙤 𝙜𝙤𝙤𝙙 𝙩𝙤 𝙗𝙚 𝙩𝙧𝙪𝙚, 𝙞𝙩'𝙨 𝙣𝙤𝙩 𝙩𝙧𝙪𝙚 ❌

Usually ang sarap makarinig ng enticing offer and mapapatanong ka nalang if "legit ba to?". But hinay-hinay lang sa pag-engage sa mga high returns offer dahil karamihan ay SCAM ang mga ito.

Ang usual na APR or Annual Percentage Rate ng isang moderate investment gaya ng Mutual Funds, Pag-ibig MP2 and some UITFs ay between 6% to 10%. Take note that these institutions are managed by professional fund managers with years of professional experience in financial market.

Kaya if may mag-offer sayo ng returns kagaya ng 10% per month or 20% per month with every 6 months payout, you need to background check kung feasible ba yung offer. Always check kung ano yung nature ng business, professional background kung may enough expertise ba sya to handle your funds and most importantly kung kumpleto ba sya ng documents to prove yung legitimacy ng offer nya.

𝟐. 𝐏𝐲𝐫𝐚𝐦𝐢𝐝𝐢𝐧𝐠 𝐒𝐜𝐡𝐞𝐦𝐞

Marami ang gumagamit ng pyramiding scheme na nagdi-disguise as legit na business para makapang-scam. Remember na any investment or business offer na nagpo-focus sa pag-invite or pag-recruit ng members more than dun sa products and services na ino-offer nila is a sign na pyramiding ang napuntahan mo. 😔

𝟑. 𝐂𝐡𝐞𝐜𝐤 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐥𝐞𝐠𝐚𝐥 𝐩𝐚𝐩𝐞𝐫𝐬 𝐚𝐧𝐝 𝐫𝐞𝐠𝐢𝐬𝐭𝐫𝐚𝐭𝐢𝐨𝐧𝐬 🧐

One way to check if legit ba yung business or entity is to check if meron ba syang primary license from Securities and Exchange Commission (SEC). To check, just visit the SEC website at https://secexpress.ph/application-form and verify if rehistrado ba ang company or entity na nakikipag-deal sayo. Make sure to check if yung nature of business na nirehistro nya sa SEC ay pareho dun sa kung ano ang pagkaka-presenta nya sayo.

Note: May mga fees na need bayaran to request some documents sa SEC website gaya ng Articles of Incorporation, Financial Statament, etc.

𝟒. 𝐂𝐡𝐞𝐜𝐤 𝐭𝐡𝐞 𝐒𝐞𝐜𝐨𝐧𝐝𝐚𝐫𝐲 𝐋𝐢𝐜𝐞𝐧𝐬𝐞 🧐

Kung ang isang entity of indibidwal ay nag-aalok sayo ng investment in a form of crowd funding, fund solicitations etc. Always verify if they have SECONDARY LICENSE to solicit funds from the public. To check, you can visit the CMPRS website: http://cmprs.sec.gov.ph/ to verify if lisensyado ba ang isang entity or indibidwal na mangalap ng pondo for investment or any other purposes.

Also, siguraduhin na ang lahat ng papasuking agreement ay may kontrata na naka-notaryo upang masigurado ang usapan between both parties involved.

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Iilan lamang ito sa mga paraan upang masiguradong ligtas ang pinapasok mong investment. Laging tandaan na mag-conduct lagi ng DUE DILIGENCE before pumasok sa ano mang investment and agreement. ;)

𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘦 𝘤𝘰𝘮𝘱𝘢𝘯𝘪𝘦𝘴 𝘪𝘯 𝘵𝘩𝘦 𝘴𝘤𝘳𝘦𝘦𝘯𝘴𝘩𝘰𝘵 𝘪𝘴 𝘫𝘶𝘴𝘵 𝘶𝘴𝘦𝘥 𝘧𝘰𝘳 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘯𝘰𝘵, 𝘪𝘯 𝘢𝘯𝘺 𝘸𝘢𝘺, 𝘵𝘰 𝘪𝘮𝘱𝘭𝘺 𝘯𝘦𝘨𝘢𝘵𝘪𝘷𝘦 𝘮𝘢𝘳𝘬𝘦𝘵𝘪𝘯𝘨.

𝐈'𝐯𝐞 𝐛𝐞𝐞𝐧 𝐢𝐧 𝐡𝐢𝐚𝐭𝐮𝐬 𝐡𝐞𝐫𝐞 𝐨𝐧 𝐦𝐲 𝐅𝐚𝐜𝐞𝐛𝐨𝐨𝐤 𝐩𝐚𝐠𝐞 𝐟𝐨𝐫 𝐚 𝐰𝐡𝐢𝐥𝐞 𝐧𝐨𝐰 𝐬𝐢𝐧𝐜𝐞 𝐉𝐚𝐧𝐮𝐚𝐫𝐲 𝐥𝐚𝐬𝐭 𝐲𝐞𝐚𝐫. 𝐁𝐮𝐭 𝐈 𝐚𝐦 𝐟𝐨𝐫𝐭𝐮𝐧𝐚𝐭𝐞 𝐭𝐨 𝐡𝐚𝐯𝐞 𝐚𝐭𝐭𝐞𝐧𝐝𝐞𝐝 𝐭𝐡𝐢𝐬 𝐞𝐯𝐞𝐧𝐭 𝐜𝐚𝐥𝐥𝐞𝐝 𝐈𝐍𝐕𝐄𝐒𝐓𝐀𝐅𝐄𝐒𝐓.

It helps me in continuing my passion in educating people even though I'm not active here on my social media page.

𝗜'𝗺 𝘃𝗲𝗿𝘆 𝗲𝘅𝗰𝗶𝘁𝗲𝗱 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲𝘆 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗵𝗮𝘃𝗶𝗻𝗴 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗲𝘃𝗲𝗻𝘁 𝗻𝗲𝘅𝘁 𝘄𝗲𝗲𝗸 𝗮𝗻𝗱 𝘁𝗵𝗶𝘀 𝗶𝘀 𝗙𝗥𝗘𝗘 𝗳𝗼𝗿 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲. :)

Boasting the new set of speakers with the likes of:
- Dennis Anthony Uy (CEO of Converge)
- Sir Edward Lee (Chairman, COL Financial)
- Nicole Alba (SocMed Financial Influencer)
and 18 more prominent entrepreneurs and professionals in the Finance industry.

I'm hoping that this event can help more Filipinos the same it did for me last year. :)

Here's the link for those interested to join: http://invs.st/InvestaFestGiveaway

𝗜𝗡𝗩𝗜𝗧𝗘 𝗬𝗢𝗨𝗥 𝗙𝗥𝗜𝗘𝗡𝗗𝗦 𝗧𝗢 𝗪𝗜𝗡 𝟰𝟬,𝟬𝟬𝟬 𝗜𝗡 𝗧𝗢𝗧𝗔𝗟 𝗣𝗥𝗜𝗭𝗘𝗦! 🎉

Gusto namin sabay-sabay tayong uunlad ngayong 2022. Together with your family and friends, sabay sabay na umunlad for financial freedom, magpalago ng negosyo, magparami ng investments at ma-achieve ang mga pangarap with the help of .

Simply do the tasks in this giveaway and get a chance to win:
🔹 Investment Funds
🔹 Cash Prizes
🔹 Limited Edition Investa Merch
🔹 Premium Trading Tools
and a lot more!

🎁 JOIN THE GIVEAWAY HERE:
http://invs.st/InvestaFestGiveaway
http://invs.st/InvestaFestGiveaway
http://invs.st/InvestaFestGiveaway

I wanted to greet you all an advance 𝓜𝓮𝓻𝓻𝔂 𝓒𝓱𝓻𝓲𝓼𝓽𝓶𝓪𝓼 𝓪𝓷𝓭 𝓪 𝓗𝓪𝓹𝓹𝔂 𝓝𝓮𝔀 𝓨𝓮𝓪𝓻 to each and every Investaguys out there!
🎄☃️❄️

I'm wishing you all a joyful season and a prosperous new year. As I have said, 2021 will be our recovery year and we should claim it. 🙏🎇🎆💥

I will take a very short hiatus on my virtual self as 𝙏𝙝𝙚 𝙒𝙞𝙨𝙚 𝙄𝙣𝙫𝙚𝙨𝙩𝙖𝙂𝙪𝙮 to take time to celebrate with my family and loved ones. But I promise to bring you more valuable contents after I return next year. 😉👌

𝙃𝙤𝙥𝙚 𝙮𝙤𝙪 𝙚𝙣𝙟𝙤𝙮 𝙩𝙝𝙞𝙨 𝙨𝙚𝙖𝙨𝙤𝙣 𝙬𝙞𝙩𝙝 𝙮𝙤𝙪𝙧 𝙛𝙖𝙢𝙞𝙡𝙮 𝙖𝙣𝙙 𝙡𝙚𝙩𝙨 𝙖𝙡𝙡 𝙨𝙩𝙖𝙧𝙩 𝙩𝙝𝙚 𝙣𝙚𝙬 𝙮𝙚𝙖𝙧 𝙬𝙞𝙩𝙝 𝙖 𝙥𝙤𝙨𝙞𝙩𝙞𝙫𝙚 𝙖𝙣𝙙 𝙛𝙤𝙧𝙬𝙖𝙧𝙙-𝙡𝙤𝙤𝙠𝙞𝙣𝙜 𝙢𝙞𝙣𝙙𝙨𝙚𝙩. 🤯🏆🍾

𝐋𝐞𝐭𝐬 𝐚𝐥𝐥 𝐛𝐨𝐮𝐧𝐜𝐞 𝐛𝐚𝐜𝐤 𝐧𝐞𝐱𝐭 𝐲𝐞𝐚𝐫! 🚀🙌

𝘠𝘰𝘶𝘳 𝘞𝘪𝘴𝘦 𝘐𝘯𝘷𝘦𝘴𝘵𝘢𝘎𝘶𝘺,
𝗝𝗵𝗲𝗽 𝗠𝘂𝗻𝘀𝗮𝘆𝗮𝗰 👨‍💼

The last trading day before Christmas ☃️❄

PSEi closed today at 7,204.38, slightly up by 1.99 points or 0.03%.

Whatever good or bad things happen to you this year, I wanted to let you know that you are a 𝗙𝗜𝗚𝗛𝗧𝗘𝗥. You survived this year and didn't give up. 🙌

Next year is our recovery year, let us all bring the best out of us. 💪

𝐁𝐞 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐯𝐞𝐫𝐬𝐢𝐨𝐧 𝐨𝐟 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟! 😉🚀

A reminder from Bangko Sentral ng Pilipinas 💵

PALAGING TANDAAN: I-check ng mabuti ang inyong mga banknotes para matukoy kung ito ay genuine.

Gamitin ang FEEL, LOOK at TILT sa mga sumusunod na security features:

FEEL (Salatin)
1. Security Paper
2. Embossed Prints
3. Tactile Marks

LOOK (Tingnan)
4. Watermark
5. Security Fiber
6. Asymmetric Serial Number
7. See-through Mark

TILT (Itagilid)
8. Security Thread
9. Concealed Value
10. Optically Variable Ink (1000-Piso and 500-Piso)
11. Optical Variable Device Patch
12. Enhanced Value Panel (1000-Piso and 500-Piso)

"𝗡𝗮𝗸𝗮𝗽𝗮𝗴𝘁𝗮𝘁𝗮𝗸𝗮"

𝐀𝐧𝐨𝐧𝐠 𝐇𝐢𝐦𝐢𝐠 𝐚𝐧𝐠 𝐛𝐚𝐠𝐚𝐲 𝐬𝐚 𝟏𝟑𝐭𝐡 𝐌𝐨𝐧𝐭𝐡 𝐏𝐚𝐲 𝐦𝐨? 🎤🎧🤔

𝐅𝐥𝐞𝐱 𝐦𝐨 𝐧𝐚 𝐲𝐚𝐧! 😉😁

Today is the last Sunday before Christmas. 🎄

I wish you all a blessed week ahead 🙏😇

The best things in life are often waiting outside your COMFORT ZONE. 🏆

By stepping out of your box, you don't have to settle for what you are. You get to create WHO YOU WANT TO BECOME. 😉💪