Scratch is a free programming language and online community where you can create your own interactive stories, games, and animations. Statistical Techniques Statistical Mechanics. The podcast craze of the past several years shows no signs of slowing down, and while every armchair broadcaster with a voice recorder app is eager to get in the game. The following video shows how to make an Isometric Cubes Drawing when provided with a Front View, a Side View, and a Top View. The Adventure Begins Take your first step into an exciting world of fantasy adventure with the Pathfinder Roleplaying Game Beginner Box Within youll find simple. Smart Pinoy Investor Investing and Personal Finance for Pinoys. Many say that the stock market is dangerous. And you know what, I agree. After all, statistics says that an average of more than 8. Geesh. Mark Twain once said, October is one of the peculiarly dangerous months to speculate in stocks. Weebly makes it surprisingly easy to create a highquality website, blog or online store. Over 40 million people use Weebly to bring their unique ideas to life. You have not yet voted on this site If you have already visited the site, please help us classify the good from the bad by voting on this site. Simplified Statistics For Beginners Free Download' title='Simplified Statistics For Beginners Free Download' />The others are July, January, September, April, November, May, March, June, December, August and February. Thats essentially the whole year An office mate actually once shared to me his first impression on investing in stocks. He said he couldnt see the returns being worthy of the time, energy and brain cells being poured into it. And theres some truth into that. With the many things that need to be factored in when evaluating entry to and exit from the stock market, its really very hard to discern when to start and actually plunge into it. But the last time I checked, ignorance remains to be not an excuse in trying out something. Most of the times, you only need to know the very basics of anything to make it sense for you. The Easier Option. History acclaims an established way of investing in the stock market that requires minimal effort. Your fifteen minutes time every month to browse the internet would be enough for this method of investing. That translates to three hours every year the same amount of time you spend in liking status in facebook a day Its called Money Cost Averaging, or in the Philippine context, we say Peso Cost Averaging. Peso Cost Averaging PCA only means buying stocks of great greatest companies, regularly, little by little, month after month. The strategy is basically to invest fixed amount of money at regular intervals over a long period in a great company you believe will perform well in the long term. This is a very passive approach. Here youre eyeing for the long run. You dont expect big earnings in the near term, but instead a decent profit in the long haul. If youre the type of person dreaming for instant money back and returns, sorry, this is not the strategy for you. But if you are the type who just wanted to make something more meaningful out of your money you wont need anytime soon, to earn something greater than what Philippine banks normally offer, without breaking your day to day routine, this is the exact method for you. All you need to do is buy every month of a company which you believe would continue to perform spectacularly in the next 1. You do it little by little, maybe monthly, not putting all your money in one big shot lump sum. You simply invest fixed amount month by month, without worrying about the present market condition. In other words, you dont do timing here. You dont mind the slips and turns, because you know those are just tiny pixels of the uptrend larger picture you expect in the future. When will you sell Oh, you sell after ten or twenty years or more. Seriously. In most cases, this will happen come your retirement years. Thats why you need to select only those companies that you believe would still be consistently earning even after decades. Their solid history and consistent earnings will serve as the safety net surrounding your investments even without your active monitoring. Right now, I have two sets of funds. One is my investmentretirement fund, and the other my emergency fund. Emergency fund is a non negotiable before you go to investing, and ideally should be worth three to six times of ones monthly salary. Its part of the budget thats strictly for emergencies, and therefore is saved in short term liquid investments, making it readily available anytime. Normal ATM accounts can be a place for emergency fund. Whats the use of emergency fund This will serve as your buffer fund. This is important because you dont want to see yourself dipping into your investments, or worse selling your stocks at a loss, just so you could cover your emergency needs. Emergency fund also gives you that inner peace knowing that youre more than ready financially anytime in case these unfortunate events happen unexpectedly. With this mentioned, its also prudent to complete again this emergency fund in case you have used it for your needs. But if youre all set with your emergency fund, then you can now start considering starting your regular investments using Peso Cost Averaging technique. Important Note. Just always bear in mind that Peso Cost Averaging if applied strictly really takes a long time. For beginners, its difficult to develop that patience while seeing your investment going up and down and not minding the fluctuation. The emotions involved often go in the way and can break your investment horizon. If that happens, you step on the border of another strategy called marketing timing, which is a more active approach and therefore requires more resources such as time and skills. The Four Rules of Making Your Millions in Stock Market. RULE 1 Invest Small Amounts Every Month for 2. Years or More. RULE 2 Invest Even When Theres a Crisis. RULE 3 Invest Only in Giants. RULE 4 Invest in Many GiantsYou can download a free copy of that book here. Obviously, the rules only make things straight using the Peso Cost Averaging technique. COL Financials Easy Investment Program EIPOnline brokerage firm COL Financial, formerly Citiseconline, the leading online stockbrokerage firm in the Philippines, has launched its Easy Investment Program EIP, making it easier for its passive customers to apply the method of Peso cost averaging. Under this program, investors are to put consistently though not mandatory fixed amounts every month into solid giant companies with criteria summarized in the acronym GEMSS Growing Industry Earnings Visibility Management Credibility Superior Products or Services and a Strong balance sheet. Excel Paper Plane Game. These criteria assure that clients only choose solid fantastic giants and dynamic corporations that compound their expansion over time. COL already provides customers with a list of stocks they can choose from based on the GEMSS criteria. Since it started last Aug 2. EIP list has included only six companies namely ALI Ayala Land Inc, BPI Bank of the Philippine Islands JFC Jollibee Foods Corp MWC Manila Water Corp SMPH SM Prime Holdings and TEL PLDT. As of this writing 2. You can click here for the expanded recommend stock list for EIP or just click the image below. Make sure to always check their updated list. UPDATE Download an updated Recommended Stock List for EIP as of Oct 1 2. HERE. Make sure to always check the updated list in their website. Keep the habit. So you now see the importance of your regular saving habit as your first step in investing. A portion of your savings, that which you can afford not to use within the next 1. PCA, letting it grow steadily year after year after year. Invest that small amount regularly every month, and then go back to your normal life. No need to actively daily watch the market, or hear news about our economy, or be aware of the Wall Street happenings, or bothering with gossips about our bachelor presidents love life. But take note that you still need to monitor it from time to time,maybe once a month. Enjoy time with your loved ones instead. Focus on your job or business to increase your cashflow. Then after ten to twenty years, go back to me. Subtract from your millions by treating me and my children a Jollibee hamburger Take charge of your financial future. Retire a multimillionaire. Have fun investingStore Paizo Inc PathfinderR Pathfinder Roleplaying Game Products Beginner Box2. Paizo Inc. Privacy Policy Contact Us. Need help Email customer. Monday through Friday, 1. AM to 5 0. 0 PM Pacific time. Paizo Inc., Paizo, the Paizo golem logo, Pathfinder, the Pathfinder logo, Pathfinder Society, Starfinder, the Starfinder logo, Game. Mastery, and Planet Stories are registered trademarks of Paizo Inc. The Pathfinder Roleplaying Game, Pathfinder Campaign Setting, Pathfinder Adventure Path, Pathfinder Adventure Card Game, Pathfinder Player Companion, Pathfinder Modules, Pathfinder Tales, Pathfinder Battles, Pathfinder Legends, Pathfinder Online, Starfinder Adventure Path, Paizo. Con, RPG Superstar, The Golems Got It, Titanic Games, the Titanic logo, and the Planet Stories planet logo are trademarks of Paizo Inc. Dungeons Dragons, Dragon, Dungeon, and Polyhedron are registered trademarks of Wizards of the Coast, Inc., a subsidiary of Hasbro, Inc., and have been used by Paizo Inc. Most product names are trademarks owned or used under license by the companies that publish those products use of such names without mention of trademark status should not be construed as a challenge to such status.