How To Kill A Person For Free, Hands-Free, Guilt-Free, And Still Be Free


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Yes, it is possible. Most murders require you to hire a killer if you don’t want to do the dirty job. If you don’t want to pay or you can’t afford to hire a killer, or you can’t wait for your passion to subside, you do the dirty job instead.

Either way, no matter how hard-hearted you are, your conscience will bother you in time, but nothing will prepare you for the immediate repercussion – getting killed as an act of revenge, or rotting in jail for the rest of your life, unless you’re rich and powerful, or you’re eligible for parole. Well, whatever. You want nothing of this kind to happen to you.

But listen, I have an idea better than that. But bear in mind that this is not 100% effective as this is only applicable to those who are already dying inside, those whose souls are already rotting from their own mindset so that all they really need to die is a finishing touch, so to speak.

They are susceptible to a certain kind of death that doctors, lawyers, and the police won’t be able to trace back to you.

So how do you kill a person for free, hands-free, guilt-free, and still be free? Read on and find out.

1. How to kill a person for free. Don’t hire a killer. Simple. Don’t even think about it. Even if you can afford it, even if the killer offers a 50% discount as an All Souls’ Day promo, even if someone volunteers to do the dirty job for you just because he feels strongly for you, don’t grab that foolish offer.

There’s no such thing as a free lunch. In one way or another you will have to pay for it. Let nature take its own course. Just go on with your everyday life and do the things that you would normally do without thinking about this person. In other words, ignore him or her. Don’t try to fight back with this person. He is not worth your precious time.

2. How to kill a person hands-free. Again, as simple as the above. Don’t use a gun, a knife, a bomb, a poison, or a rope on him. Don’t be stupid or you’ll regret it for the rest of your life. Don’t get your hands dirty by doing such an illegal and immoral thing as doing harm to a fellow human being.

3. How to kill a person guilt-free. How can you be guilty when you didn’t do anything at all to harm a person? You didn’t do it nor did a person do it for you. In fact, you were not even thinking of killing a person, no plans at all. So you haven’t sinned at all. Why feel guilty about something you haven’t done?

4. How to kill a person and still be free. Since you didn’t hire a killer nor a sorcerer, you didn’t do it on your own, you didn’t plan on killing anybody, nor thinking that this person would just drop dead, you have nothing to worry about. The cops won’t come knocking on your door to arrest you. You are still a free person.

So if you followed the above don’ts, how come this person will die, and how do you really kill a person?

Well, as I said before, this kind of person is already sick. He is sick with insecurity. He has a very low self-esteem that what makes another person happy makes him unhappy. He eats fear and drinks anxiety so he is fueled by a miserable life. It is this miserable life that wants to put you down every time he sees that you are happy. If you succeed in something, he would do anything and everything to kill your character. His motto is: Attack and Destroy.

So to kill this person, just go on with your everyday life. If something good is happening in your life, post it on Facebook. For sure, this insecure lot will be bothered. Well, it’s not your fault.

You passed the board exam, post it on Facebook. Don’t expect him to congratulate you but he is feeling bad about your good fortune. You ate on a restaurant with your family, expect a sarcastic comment from him. Charge it to experience.

You and your friends are having the time of your lives on a beach, he won’t be able to sleep thinking about how to make your life miserable.

Your dinner tastes heaven, post it on Facebook. This pathetic person won’t be able to eat well due to lack of sleep thinking about you. If food is his outlet, he’d grow so fat he’d have breathing difficulty.

Better yet, post photos of your Disneyland vacation on Instagram. This person would grow so thin and weak he would find that the struggle is real when it comes to walking or the obese version would limp his way around when he moves.

Post that signature bag given to you as a present from a relative working abroad. You bought a beautiful dress, post it on Instagram. You bought a new pair of Merell shoes, post it on Instagram.

Keep on posting about the blessings that come your way. If this person doesn’t change his mindset, he’ll die slowly or instantly – of emaciation or cardiac arrest. This person will die a natural death at a time that God chooses. That is how to kill a person for free, hands-free, guilt-free, and still be free.

If love hurts, hate kills. Hate stemming from insecurity can kill a person in the form of stress or depression.

But it is never too late to change our mindset. Let’s think positive about our fellow human being. Get rid of the hate inside of us and our own insecurities that poison our bodies. This way, we have a big chance to live a longer and more fruitful life.

Eastern Samar: 10 Things I Love About Borongan, My City

I was born here, my parents, my grandparents, and my great grandparents before me. I grew up and studied here so I always have an affinity to this beautiful place and here are the 10 things I love about Borongan, my city.

Borongan landmark along Baybay Boulevard

There are many of them, actually, but I only limited my list to 10 and I have listed them below at random.

1. It is a clean city. Yes. If you go out on the streets at 4 am, the street cleaners are already sweeping so that when the sun is up and the people are out, the streets are already clean.

The city employs people to watch out for tricycle drivers and other people on the streets who drop their cigarette butts. They are fined for this.

When you go to the park, some people are assigned to watch for vendors and people out there who drop their garbage on the streets.

So you would prefer to put your trash in the garbage can or in your bag because it is embarrassing to be approached by these people. You never know who they are because they blend in the crowd.

2. The air is still fresh. Air pollution is a non-issue here. Thank God. Not just yet.

The city is nestled between mountains and the vast Pacific Ocean. The city proper has three rivers that act as natural air fresheners. These three rivers make the city cooler during hot summer days.

In the early mornings, the city is blanketed with fog  from the mountains and rivers surrounding it.

Fog means borong in Waray. Since the town is a foggy place, it became known as Borongan, meaning, foggy. So this place lives up to its name.

Loom River in the heart of the city

The smoke from vehicles that pass the boulevard are carried away by the winds to the sea.

Stray dogs are impounded to prevent them from littering the streets and to avoid vehicular accidents.

Since the streets are clean and there is no decaying garbage, you won’t notice any unpleasant smell as you walk along the streets.

Don’t expect smoke coming out from factories here. This is not a manufacturing city. The livelihood of people here are fishing, farming, business, working in government or private institutions, or working abroad.

3. It is a quiet city. No, don’t expect a ghost town. There are many people living here so expect the sound of life. What I mean is, the place is not noisy like the bombs in a war-torn city, nor the horns of jeepneys and the sound of gang wars in some cities. It’s just the sound of everyday life here. Just enough for you to still have your siesta and for you to sleep early at night when you want to.

4. There is no traffic. I guess it has something to do with the population. Borongan is not densely populated. There is plenty of vacant space here.

There are not too many vehicles that pass bumper to bumper. So your ETD and ETA from your home to your work or any destination and back can be accurate.

The heart of the city

5. It is peaceful. Borongan may not have zero crime rate but it is comparatively lower than other cities. Except for a few isolated cases, it is safe to walk on the streets at night.

You can leave your door open and never worry about burglars. You can sleep with your windows open when the nights are hot. But when you do this, know your neighborhood first.

6. The people are religious. There are many masses celebrated every day to accommodate many church-goers. Feasts of saints are always celebrated with processions and many people attend these, too.

Cathedral of the Nativity of Our Lady

Many people join religious organizations or communities so they are active in church activities like catechism and other charity work.

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These colorful umbrellas outside the church are waiting to be claimed by children attending the flores de mayo

But one thing that strikes me most, is the Angelus. When the church bells strike at 6 PM, the people stop walking, and vehicles stop running. For a few minutes of their busy lives, people stop to pray the Angelus, and even if they’re not Catholic they stop to give due respect to the predominant religion in the city, and perhaps to pray their own prayer.

Traffic stops during the Angelus

7. The people are hospitable.  Borongan  fiesta celebration is not only a religious affair but also a socio-cultural activity.

It is also a showcase of the people’s hospitality. The locals make their houses presentable and they prepare and serve plenty of food for their guests from far and near.

Even on ordinary days, when you are at a friend’s or a stranger’s house during meals, you will be invited to eat with them. It is always considered rude for the family to eat without inviting the guest.

The guest may then accept or politely decline the invitation and watch TV or read a magazine instead. But the host won’t feel awkward anymore by having invited the guest.

8. It is a haven for nature-lovers. Name it, and we have it. Beautiful islands, white sand and black sand beaches, big and small caves, thick watershed, waterfalls and rivers; it’s an all-in-one package in my beautiful Borongan.

Hilangagan Beach, Punta Maria

You can go walking or jogging by the beach or at the boulevard, you can hike a nearby hill, you can scale the mountains, go rock-climbing, spelunking, boating or tubing down the river.

Yes, these can all be done here. I know because I used to do these things except for rock-climbing and tubing.

I didn’t go tubing because to me it is more exciting to follow the source of the river from cave to civilization. I did this with my friends wading in brooks to streams, to rivers, until we could see the bridge in town from afar, which indicated that we couldn’t wade in the river anymore because it is too deep. So we walk on the riverbank.

My point is, you just have to network with people who have the same inclination as yours. Locals can be your tour guides or you may contact the city’s tourism office. They’re just out there, unless you prefer solo backpacking.

9. Food is delicious but affordable. I am referring to casual dining restaurants not the turoturo (you point at the food on display that you want to eat). The prices are reasonable. Food is delicious so you get value for your money.

Street foods are also popular here. If you want to eat tasty barbecues of different kinds, you may go to Baybay Boulevard and take your pick.

The boulevard is a must-visit for its famous barbecues

If you want native delicacies for breakfast, snacks, or pasalubong (presents), you will find these at the backstage of the town plaza. There’s the puto, puto bagol, puto nga bilanghoy, salukara, bibingka, bakintol, alisuso, suman latik, kurukod, etc.These sweets are made of rice, cassava or sweet potato with coconut milk or with grated coconut in caramelized sugar for filling.

The city’s native delicacies

For snacks, my kids and I particularly love turon, banana cue, and camote cue. Believe me, they don’t prepare it like this yummy in other towns, except here in Borongan. The secret, which is no secret anymore, is in their use of calamay instead of sugar.

In fact, I brought turon to a PTA induction party because I wanted mine to be unique, and to my delight, it was an instant hit  among the parents.

10. Tricycles. It’s called a tricycle because it has three wheels. It’s a motorcycle with a sidecar for passengers.

Tricycles can be seen anywhere in the country but ours is a different kind. It’s bigger and wider so it’s more comfortable to ride in. The paint is glossy like that of a car so it’s more attractive, particularly to teenagers, so they enjoy going all around town in these tricycles before going home from school.

So if cars are toys for big boys, tricycles might as well be toys for teenagers.

This tricycle design is made by Borongan artisans. It has become so popular that people from out of town who want to own a tricycle come to Borongan to commission a tricycle or to buy one.

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Borongan tricycles

I love these tricycles because they are colorful.  The many different colors of these tricycles bring life to the city streets. But more than that these tricycles not only serve the people but they also put food on the table of many families in Borongan, mine included. Isn’t it beautiful?

These are the 10 things I love about Borongan, my city. Do you have anything more to add? Feel free to comment below.

Balangkayan, Eastern Samar: Minasangay, An Ideal Island Getaway

If you’re looking for an ideal island getaway, Minasangay is the place to be.

Minasangay Island is located in the town proper  of  Balangkayan, Eastern Samar, and Balangkayan is only 23 kilometers away from Borongan City, the capital of Eastern Samar.

The town’s landmark right across the bridge bordering Maydolong and Balangkayan

Because of its proximity to the city, you could see many Boronganons coming to the island. Not only that, people from neighboring towns, in and out of the province frequent the island, too.

If Tacloban City Airport is your point of reference, you can reach Balangkayan by vans bound to Borongan, like 3K Tours, Borongan Transport, Duptours, and Van Van. There are also buses to  Borongan at the Tacloban terminal.

It is only three and a half hours drive from Tacloban to Balangkayan and the fare is P200 or 4USD as of this writing.

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The beach flags before crossing the hanging bridge.

One main advantage of Minasangay is it’s accessibility to many people. Balangkayan is a coastal town by the highway, and Minasangay is only seven hundred meters away from the highway.

The beautiful garden greets guests and gives a homey atmosphere as if you never left home. The pink periwinkles look lovely against the green backdrop.

Once you get to the island it feels like you are far away from civilization. There are no houses and vehicles in sight unlike other beach resorts. Here you  are in total commune with nature. All you would see are rocks, trees, sand, and sea.

Across the island, you could see mangroves, coconut trees, and mountains from afar.  At the back of it, from a vacationer’s point of view is the vast and deep Pacific Ocean.

If you want to feel like you own the island, you should come here on ordinary days or weekdays. There are other people, of course, but just enough for you to have the privacy, the peace and solitude that you may be looking for.

If you want to experience a vibrant Minasangay and you like to mingle with many people, come here on a Sunday or on a holiday. The place is full of life.

As for me, I seek for a quiet place. So I purposely come here with my family on a Saturday. I know there will be other people around but I know that the crowd will not overflow into the sands.

Even on a Saturday, the cottages are still fully-booked and the tables and chairs occupied. But I still have my personal space.

I love the rocks. They do not only give shade but they serve as natural partitions for the privacy that I really value.

I can hear the sound of other people talking but I don’t find it distracting. Just enough for me to feel that I have company in this beautiful island.

This beach resort is ideal for family gatherings, friends, and even corporate team-buildings. Here you can mix business with pleasure like what I do now.

Blogging about Minasangay, my Muse.

As I sit here by the beach facing my laptop under an umbrella and a Talisay tree, I can see the crystal-clear waters in front of me, big and small rock formations scattered on it, which add to its natural beauty.

Sun, sand, sea, and sky
Experience the thrill of diving from this cliff

There are many things you can do here in Minasangay aside from swimming. You can go cliff diving as there is a diving spot here. You can go bush walking and climb the rocky hill of the island.

You can also have videoke with your friends and family.  Just bring your videoke or rent from here. Yes, there is power supply here, and internet access, too.

You can also go boating around the island by renting a boat from a local fisherman. You can explore every nook and cranny of this rocky island or simply sit, relax, and bask in the setting sun.

Some fishermen occasionally pass by the island.

Minasangay Island  Marine Eco-Park and Resort is operated by the Municipality of Balangkayan. This beach resort is a work in progress as you can see on-going construction  in this island.

As a backgrounder, this island resort was heavily-damaged by Typhoon Yolanda (Haiyan) in 2013 when Balangkayan was inundated. (You can still see the brown mangroves destroyed by the super typhoon but slowly these mangroves are now coming back to life.) But it is this same island that served as a natural break from the big waves of Yolanda so that the devastation of the storm surge was only limited to the town proper and not the barangays outside of it. Thankfully, there was no casualty in this town. Other towns were not as lucky.

Because of this the town officials and the locals are bent on preserving the natural beauty of the island in spite of the development.

The hanging bridge which was destroyed has now been restored and there is a concrete bridge more than a meter wide for those who don’t want to pass on the bridge. This is to facilitate the elderly and the PWDs who are on wheelchairs.

The rustic hanging bridge is what sets Minasangay apart from other resorts.  It simply is captivating.
The view of the island from the hanging bridge.

Outside the island, just before the bridge, are stores where you can buy lechon manok (roasted chicken), softdrinks, hard drinks, and island souvenirs. You can also rent banana beds, and other floaters here.

I love this place not only for its beauty but also for the beauty of its people. The locals are hospitable. Even if you’re a stranger, if you ask for directions, they would be eager to help you around the island. The staff of the resort are just around the island 24/7 to attend to your needs. You can even stay here overnight and never be afraid of your safety.

You can sleep in the open cottages, pitch your tent, or lay a mat on the sand and sleep under the stars. When you wake up, be on time for the sunrise. It is glorious.

You can also go jogging or walking from the resort, passing by the hanging bridge, and on to the 700-meter road and back. On the road, you will pass by vast mangroves, and the morning sea breeze will work wonders on your lungs and your nose. Trust me, that’s how I cured my allergic rhinitis – jogging by the beach. The salty air dries up the runny nose. After all, that’s what my doctor prescribed to me, a saline solution. Well, there’s a natural way with no side effects on me. But that is a story for another day.

The mangroves by the roadside going to Minasangay.

Anyway, if you only want to enjoy Minasangay for the day, you may stay in hotels of your choice in Borongan less than an hour away.

Minasangay is an ideal island getaway because it is beautiful, accessible, peaceful, safe, and affordable. Here the prices are reasonable that you get value for your money. This place is ideal for vacationers who have much to spend and also for those who are on a budget.

Check out the fees here.

For inquiries  and reservations you may call Minasangay Island Eco-park Resort on this number: +639270350774

Enjoy your vacation in Minasangay!



10 Things I Benefited From Being Bullied By My Buddy In The Workplace

Huh, that’s weird. What in the world is to be benefited from being bullied? Well, it depends on how you look at it.

So many things have been written about bullying and we know for a fact that it is ugly, and we would do anything to avoid this. But this is not what this blog is about.

This is about looking at the brighter side of life. Come to think of it. You are being bullied or you have been bullied. Think about what it did to you positively. What did you learn from that nasty experience?

Bullying can happen to anybody anywhere. I am a teacher and I have been bullied in the workplace by a buddy, or so I thought. As the saying goes, everything happens for a reason. I can’t change what happened because I can’t change her. Acceptance and a positive attitude would do me a favor. So on thewhole, I have God and this bully to thank for.

Here are 10 things I benefited from that nightmare:

1. It made me choose my friends well. It’s not the number of friends that count most, it’s the quality of them. I knew she was toxic because she likes to gossip about her friends and colleagues, but I continued to be within her circle because I thought I didn’t have a choice. But I was wrong. I did have a choice – by choosing to be alone, or being with a few trusted friends in the workplace.

 2. It made me stronger emotionally. Sure, I cried a bucket. Tears welled and eyes swelled. But tears are a powerful weapon. They wash away the hurt and the hate in your body. So after years of putting up with this person and weeks of crying myself to sleep, here I am, alive and well, with a conviction that no amount of degradation and no bully can ever put me down again.

 3. It made me more patient. I put up with her for years because I didn’t want to quarrel with her over a small matter. But this small matter continued and escalated over the years. But it taught me patience. It taught me not to pounce at the first sign of attack. It taught me the art of escapism than the art of war.

 4. It made me more forgiving of my aggressors. I may not have forgiven this person just yet, (How can I? She knows how to twist the story for her own benefit. She makes it appear that I was the bully to her, not her to me) but it taught me to forgive others readily. How can I not? After all what I’ve been through with this bully, it’s easier now to forgive others for what seems a small matter compared to what this insecure lot did to me.

 5. It made me more understanding of human behavior. She bullied me, yes. And I kept wondering why she was doing this to me and the others who have already left the toxic workplace that she created for us.

It was a big question mark why a person who seemed to have a good life already compared to her miserable childhood due to poverty, would put down those who are even below their level.

Well, as I said bullies are an insecure lot. They’re not perfect. So when they see in that person what is lacking in them, they are quick to pounce and trample on you.

They’re like, “There’s no way you can be better than me. If you’re better than me on this aspect, then I’ll make sure that people will see more of your negative side.”

Bullies don’t admit this but this reasoning lies somewhere in their subconscious.

So being a target of bullying actually gave me a wider perspective on people’s behavior.

6. It made me more aware of my self-worth. When you are working with and going out with familiar people, you sometimes drop your guard. Sometimes you make fun of yourself for the sake of giving fun to your friends. Sometimes you expose to them your shortcomings and your vulnerabilities.

But snakes abound even in civilized places. So if you humble yourself by being true to yourself, they see it as a weakness instead of strength. The next time you know is that your secrets are no secrets anymore, your plans which you have confided to them have gone viral in the workforce and even outside of it, your private thoughts and private jokes have gone public in the workplace.

Sometimes you have to choose between keeping them to yourself and your most trusted friend than sharing some of yourself to others.

Lesson learned:  If you value yourself more, then you have to protect yourself from fake friends. Show them that you have dignity in spite of being yourself.

7. It made me more assertive. By being assertive, I don’t mean you have to be aggressive. They may be synonyms but they have a shade of difference.

 I mean, I fight back when I hit a dead-end. But if there’s any other way to exit, I’d choose the exit.

I’m not a violent person, nor a quarrelsome one, to say the least. To me, I’d be more of a loser if I give in to them the first time they intimidate me.

But I’ll protect myself by not cowering in the dark and making silence my best friend. This is self-destructive. I’ll speak my mind whenever I have the chance. I’d first take a flight, or if not, I’ll fight.

8. It bonded me with my family. I thought at first, “I can handle this on my own. It would be just the three of us – I, Myself, and Me, and if there’s gonna be a fourth one, it would be My Shadow.”

But it gripped my heart, literally and figuratively. I was afraid I was having a heart attack. That’s when I realized that bullying can be deadly if something is not done about it.

 And that was when I involved my husband with what I was going through. This particular incident made me all the more closer to my family. It was a validation to me that whatever happened they will always be there for me, caring for me, and supporting me through thick and thin.

 9. It drew me closer to the Lord. Of all the things I mention here, this gave me the most benefit. For where do I turn to, but only to Him. He is the one who gave me this trial, only He can lift this up. He is my Rock, my Maker and my Giver. He decides when to lift me up if only I will seek Him. Thankfully, He is always there for me.

10. It made me wiser. There is always something good to be learned from unpleasant experiences. I learned that gossiping about that person won’t do me any good. I could make use of my time pursuing my passion such as reading and writing than joining in the gossip. (It’s just a waste of my saliva although this can always be replaced by drinking water.) But my time is more precious than that. I’d be better off pursuing my creative side and putting them to good use. That is, to reach out to others who have been bullied, too. (You are not alone. I know how you feel.)

Nobody wants to be bullied. But bullies are, and will always be there. They will never accept it’s their fault. To them, it will always be your fault. You can’t change them but you can change your situation. Do your best to be out of this person’s radar because the longer this bully lingers, the greater the damage will be on you.

As for me, I needed a break from the toxic workplace, so I went on leave for a year. I have no regrets. I made the right decision.  Money isn’t all there is to it. My well-being is more important than this.

Now the workforce seems to be more aware of the negative effects of workplace bullying.

So if it happened to you, look to the dawn. Cheers. With God and your loved ones, there’s a better life ahead of you. Look to the future, and never look back on this ugly past. Pick only the worthwhile pieces which you can make use of as you embark on a new journey. Move on and learn from this experience.

The Blogger's Pit Stop







Silence is the Bully’s Ally, So Let Yourself Be Heard

Silence doesn’t always mean intelligence. In fact, it can even mean stupidity. Silence is good sometimes, but not all the time. As the bible says, “There is a time for everything.”

Silence or its opposite has its proper place and time. Bullies want to capitalize on silence as a sign of intelligence because they don’t want to be stopped by the commotion that you make. They want you to keep still, be silent, and endure the abuses that they heap on you.

Silence of the target is the bully’s ally. With the target’s silence, he has become the devil’s own advocate. So the bully tries to tell you that reacting, complaining, fighting back, is a sign of weakness.

I dare say, don’t allow yourself to be brainwashed by this self-serving mindset. This is no different from the ISIS fighter telling the little girl she was raping that what he was doing was an act of worship.

So go on, be silent for fear that you will be called a moron, an idiot, or a stupid person; and let your bully torment you day in and day out, till you’re stressed out.

You say, you can always avoid him. Not all the time, especially when you move in the same family or social circle. You can’t, actually, because he is just there within your sphere. After all, he won’t be called a bully if he is on the other side of the world.

Access is the asset of the bully. He believes in the saying, “Keep your friends close, your enemies closer.” You say, you can always ignore him. Sure, but not all the time. Remember, he isn’t called a bully for nothing.

If he offended you once, you can just ignore him, tell yourself it’s nothing, and that this will pass away in time.

But with your silence you have just given him a license to kill your character. You allowed the bully to flourish. He will never stop unless you show some resistance.

History has always proven that evil succeeds and flourishes with silence. Violence becomes rampant when nobody tells anyone to stop.

Silence can mean yes. Countries have been colonized for a long time until such time that they decided to voice out their oppositions that led to revolutions.

You don’t need to suffer in silence if only to show people that you are strong, that you can cope gracefully under pressure, and that you have the grace of handling stress.

Let’s get real. Let yourself be heard when you’re not happy about the way other people treat you. This is not the right time to be silent. Speak your mind and end the bullying.

10 Reasons Why Stock Trading as a Passive Income is Better than Money Lending

Money lending as a side income in the Philippines is very popular. It has become so that some people have even made it as a major income. But because many people and private lending institutions are engaged in this business, competition has become very stiff. So the interest rate in lending has lowered from 20% to 10% to 5%, and even to 4% per month.

I don’t lend money. I used to borrow money. That’s why I know the current interest rates.

I am into stock trading and I enjoy what I’m doing. I have found out that it is possible for you to  earn these rates in a month, days, minutes, or seconds. In fact, the highest rate a stock goes up in a day is 50%. The opposite can also happen to your money but that can also happen in money-lending. But that is another story.

Here are the reasons why in my opinion, stock trading is better than lending money. I have listed them in no particular order:

1. No networking. You don’t need other people to operate your business. No need to advertise like, “I have a little money. Just let me know if you want to borrow.”

If nobody knows, nobody borrows, therefore you don’t earn. So the more people you recruit, the bigger your earnings will be.

In stock trading, you operate alone. You don’t pay any agent to lend your money. You pay your broker a smaller fee, but you don’t pay someone to manage your money because you are managing your money yourself.

2. No overhead costs. Your home is your office or wherever you are as long as you have an internet connection. You don’t need to rent an office and pay your employees and the office maintenance bill.

3. Nobody bothers you. Nobody goes to your house or wherever you are, looking for you to be able to borrow money. In stock trading, your clients are online, you don’t need to get to know them, see them, nor talk to them.

4. It is less risky.  Let’s face it. All businesses have risks. If you lend money, sometimes you don’t get paid. If you do get paid, it sometimes takes a very long time. Sometimes, there’s no collection from a client in a month or months, therefore, the money that you lent him comes to a standstill. You get upset, mad, worried, and can’t sleep well because you are thinking of this person who took your money without giving it back. You become stressed.

You think you are safe because you’re holding his ATM? What if you find out that there’s nothing in there? What if it was blocked by the owner to be sold to another lender? This happens and this is the lender’s  worst nightmare.

Stock trading is also risky but you have to fear yourself more than be afraid of risks. If you can’t discipline yourself, then you are your worst enemy.

5. You can trade in your underwear. You can even go naked if it makes you happy. Why? You’re trading in your bedroom with only your laptop or your cellphone in front of you.

My point here is, you don’t need to dress up because you’re going out to meet people and collect money. Heck, I can even earn money without combing my hair. But there’s more to that. I am able to save on lipstick and face powder.

6. No transportation cost. You don’t need to go out of the house to earn it. This is self-explanatory.

7. No security threat. You have seen on tv news about money lenders who were murdered for their money. Because if you lend money, many people know that you have money. That’s good for business but bad for your safety. Better secure your house and yourself when you’re on the streets.

When you’re into stocks trading, no worries. Other people don’t need to know, if you’re more comfortable with that.

8. You can keep this a secret. So you are spared from the awkward situation of turning people down when you don’t trust them with your money. No explanation, no hassle.

9. You can start small. You don’t go into money lending business with only P5,000.00 for a start. (If you lend money, people in need will flock to you only to be denied because you ran out of funds.) But in stocks trading, you can. In fact, I would advise you to start small as you’re only learning the ropes of the business.

 10. No bookkeeping. You don’t need to keep records of people who owe you and how much. In stock trading, all your business transactions are recorded by your broker for you.

So all you need to do here is learn about the business as what you would do in any business. Take risks for every business entails risks. But bear in mind that the bigger the profit of the business, the bigger the risk.



My Kids Invest in the Stock Market, So Why Shouldn’t You?

Does the title ring a bell? We’ll, you got it right. I’ve read the e-book of  Bo Sanchez, “My Maid Invests in the Stock Market”. And this is where I got my inspiration. Thanks, Bo.

So if maids can invest in the stock market, why shouldn’t kids? Of  course, maids are better off financially than kids because they have an income while kids only have an allowance from their parents. But maids have financial responsibilities with their families while kids don’t have.

It’s true, it doesn’t matter how much you earn. What matters most is how much you save.

So I tell my kids not to spend all of their daily allowance and to save some of it on a daily basis. I give them all of their money and when they come home, I ask them how much was left of their money.

I do this because I want them to feel that they are free to spend all their money, and for them to know that whatever they do with it, there are consequences. I want them to have financial discipline, and I want to see who among my kids is the most frugal and the biggest saver.

I want each one of them to be a role model to their siblings and be inspired with one another.  So I give each one of them an empty plastic bottle and tell them to drop their coins there every time they come home. The bottles are labeled with their names and there is a number that corresponds to the number of bottles they have filled up.

The name and the number do a trick. The name gives them a sense of propriety and the number gives them a sense of achievement.

When the bottles are full, I give my kids new bottles to fill up. I write on them a new number which is an increase from the previous one so it feels like a promotion to them. They are excited and are always looking forward to a full bottle so the number on it would change.That’s how kids are.

Saving shouldn’t always be the same day in and day out; otherwise, they will be bored. So I give them small bottles and they become full in a few days or weeks.

Opening the bottle is exciting to them because they see the fruit of their sacrifice. I let them count their money and I do the recording.

I tell them that saving is just the beginning of something bigger. I tell them that their money can increase in number and value if we put it in a business. With their money, we buy something from a business so we will have a share of the business’s profit.

That’s all I tell them as of now because they don’t even know what profit is. They ask me and I explain to them in child’s language.

They don’t know about the stock market but what matters is they’re in it already. They’re doing it through me and I intend to tell them about it little by little as they grow older.

In our locality where the stock market is just a meaningless name to many people, or most often mistaken to be a scam, I’m glad that my kids invest in the stock market.