My Journey to Stock Market Trading during the Covid19 Pandemic

I discovered the stock market around May 2012 because I wanted to be financially free. I've read somewhere from some financial gurus ( I forgot the name, sorry! ) that there are only two real businesses where you can earn money, in real estate or in the stock market. I chose the latter because it requires only a small capital to start with. 

I started with Mutual funds before, maybe around 2006, but this time I wanted to manage my money. I opened an account with an online broker, COL Financial at 5,000 pesos and started building up my portfolio. I did this with a mindset of a long-term investment because I really wanted to retire young and travel the world. I've had my share of wins and losses from blue chip companies. I relied mostly on the fundamental analysis of my stock broker. When my broker said a stock is a buy then I buy, then wait for my gain and sell if they said I should sell my shares. During those years, technical analysis is too much for me to absorb so I never tried to understand. 

During this pandemic, no matter how I want to stay strong and have faith that everything will be alright, I came to a point where all my anxiety kicked in and I worried about the future. There's a realization that life is too short so do whatever makes you happy. As for me, when things are back to normal, I want to travel the world with my family. But travelling involves quite a sum of money so I need to increase my income stream. But we are limited to do so due to the community quarantine. So what to do?

I started exploring the stock market trading when my sister shared about her gains on some of her stock positions and how she maximized her earnings by doing the 8k rule. I was curious so I watched the video of MoneyGrowersPH on Youtube then I watched the next video on how to earn 50k to 100k in the stock market and the next video... and the next. And boom! My brain was lit! That was my turning point.

Last October 13, 2020, I decided to learn more about the fundamentals of technical analysis. What is a support and resistance? How do you know when to buy or sell your stocks? How to plan your trades? What are the winning strategies? How to cut losses? There's so much questions in my head and I wanted to learn more. There's a lot of video content on Youtube University. ^_^ And they are just out there for free. Yes, for free! (Well, there are paid trainings if you want to dig deeper) 

I started watching the free training videos of Investa to learn more about trading and investment foundation. I focused more on the technical analysis. I also watched videos about Price actions, Japanese candlesticks and patterns, some of the market indicators like MA, MACD, RSI, Fibonacci, Ichimoku and a lot more! I learned how to read and use the Chart by Investa. I also learned about virtual trading where you can execute your plan and strategies with a virtual money amounting to 100k. (More like of a practice account.)

By November 17, 2020, after five weeks of intensive learning, I executed my strategies on my real portfolio and I can say that 20% realized gain in one week is not bad at all. I'm still learning though and the best teacher is through experience. My goal is to gain 25% in 100days or at least double my money to fund our future travels. ^_^ (So, let's pray for guidance!)

Just sharing my stock trading journey. If I can do it, then you can do it too. As the saying goes, NEVER STOP LEARNING!

^_^

By the way, here's one of my technical analysis with ACEN. 

Cremated or Buried?

It's a taboo topic for most of us. But for me, I think it should be planned before anything happened to you. Everything should be taken care of so your loved ones can actually mourn. It's hard to deal with all the paper works and services when you're emotionally down, right?

So, have you ever thought of your memorial service or have you decided if you wanted to be cremated or buried? As for me, I've been open to my family that I wanted to be cremated. But most people I talked to before don't want to be cremated because of their religious beliefs. Some says that when you are cremated, how can your body be resurrected at the end of time during the second coming of Jesus. Well, I've also been thinking about that for the longest time until after reading the Holy Bible a few month ago.

The book of Corinthians talks about the resurrection of Jesus and our body:

The Resurrection Body

Someone will ask, "How can the dead be raised to life? What kind of body will they have?" You fool! When you plant a seed in the ground, it does not sprout to life unless it dies. And what you plant is a bare seed, perhaps a grain of wheat or some other grain, not a full-bodied plant that will later grow up. God provides that seed with the body he wishes; he gives each seed its own proper body. (1 Corinthians 15: 35-38)

This is how it will be when the dead are raised to life. When the body is buried, it is mortal; when raised, it will be immortal. When buried, it is ugly and weak; when raised it will be beautiful and strong. When buried, it is a physical body; when raised, it will be a spiritual body.  (1 Corinthians 15:42-44)

There! So regardless of our choice we will still be resurrected, right? (That is, if we did good in our life) 

The next thing to consider is the budget. I think buying a vault from a columbarium is much cheaper than buying a lot from the cemetery although it still depends on the location of the vault. 

So good luck with our choice! And let's live our life to the fullest! 

Ciao! ^__^ 

Is DMCI Condominium a PWD-friendly home?

Growing up, a condominium is not really an ideal home for me. Maybe because of the constricted spaces and its ridiculously high prices. At the back of my mind, why would someone invest on a property that has a lifespan of 50 years and won't even own that lot? Well, that thinking changed due to some reasons.

Let me give you little bit of background why we ended up buying a DMCI condominium unit.

Starting a family earlier than most people of our age, plus my daughter's condition, is kind of a big challenge for us. We lived with my in-laws, although we occupy a separate part of the house. But as time passed by, the place became too crowded for us. Not that I had a problem with my in-laws but my daughter is growing up and I wanted her to breath some fresh air. We also have two house helpers back then because we both work in the office. Later on, when our finances got a little better, my husband and I started thinking about moving out to our own place. So we started to scout some house rentals around the city. We also had a chance to visit one mid-rise condominium in Taguig and we fell in love with that place because of the resort-like ambiance of the property. Since the property is ready for occupancy, the price is too much for us. So we turned it down.

To cut the story short, we ended up renting a bungalow house in Paranaque. And we lived happily ever after... not until we had a grumpy neighbor! Kidding aside, we really loved that place. The location is so close to the banks, restaurants, pharmacy, supermarkets and more. The traffic was great when we moved there. My daughter also started attending therapy school within the city. We brought her almost everyday for an hour therapy session. As days passed by, the traffic worsened and my daughter's travel time changed from 30 minutes to 1 hour. Sometimes, she's not able to make it on time so we needed to cancel the session and she will travel back home. See? She prepped for an hour and traveled for more or less three hours for an hour-session. What is worst than that?

(Glitters please...)

One day, while on our way to the therapy school, we chanced to pass by a pre-selling condominium property being built. We took a flyer and had a chat with an agent.

Arista Place

Live the resort life in the midst of the city

A gem in Parañaque City, this Asian Tropical themed condominium community comprises an abundant array of leisure amenities fit for your family's lifestyle. Beautifully nestled along the city confines, Arista Place brings you in a relaxed but secured ambiance topped with the utmost exclusivity, ensuring you of a place you can call 'Home'.

Wow! We wanted to own a place we can call our "Home Sweet Home". Most importantly, it is closer to my daughter's therapy school, like just 5-mins away. It has a swimming pool for her aqua therapy. She can breathe fresh air when we stroll at the park. She can have her birthday parties at the function hall so we don't have to find a venue. We all had that in mind. It's for her convenience.

Since it is a pre-selling property, the buildings and the amenities are not yet built that time. We can only view a miniature property landscape and a model unit at the sales office. So, we carefully chose the building and unit based on the blueprints presented to us. There are only two buildings that have an easy access to the amenities, one is already sold out and the other one is not yet even built. So we chose the latter. As for the unit, we selected a unit higher than the trees and facing the amenities so we can have a better view of the property. The building has an elevator as per the agent so we don't see any problem with my daughter being on a wheelchair. If I remember it right, I asked our agent about the ramp and other wheelchair access and I think he said DMCI being compliant and everything so we will have no problem with that and then the deal was closed.

We've waited for 18 months until it was turned over to us. We furnished it before we moved in and then we were on cloud nine! We thanked God for this blessing! Really! For more than a year, we were on a honeymoon stage. Enjoying our "Home Sweet Home".

Until some issue arises. After 19 months of living in our unit, I politely requested for a wheelchair ramp for our building.

Hi,

We bought a unit in Melhor bldg, Arista Place thinking amenities and parks are easily accessible. My daughter is a PWD and always on her wheel chair. We are having a hard time going to the park or the pool area using the Melhor bldg access. Either we ask for a guard (or some maintenance guy) to help us lift/ carry through the stair or she'll need to go down to the basement and wheeled around two buildings (which is not always feasible).

Is it possible that we can request a ramp in Melhor building (at least) so she can easily go to the amenities area? This is also for all other residents that are having difficulty accessing the amenity area.

Your positive response is highly appreciated.

Thank you,

But only after 10 months when I got a response from DMCI saying that my request is not feasible:

This pertains with your request for installation of ramp at Melhor Building in Arista Place.

After coordination with the concerned departments, we would like inform you that as much as we want to accommodate your request, we regret to inform you that your request for additional ramp is not feasible.

We truly understand all the rights of all our PWD clients and we are very much willing to extend all the help that we can offer to at least ease the inconvenience that you may encounter.

Prior to the construction of Arista Place, we ensure that all our plans have been checked and approved by the governing entities and that includes the safety also of our PWD clients.

We believe that building a community like Arista Place will not be possible if we violate any rule that is not in accordance with the law.

Please let us know how can we help you and we are very grateful to help you.

Thank you very much for your understanding.

 

And I got another email suggesting that we use the basement parking ramp.

We regret to inform you that your request to install ramp is not feasible. Upon coordination to Property Management of Arista they already inform you that your request is not allowable due to there are already ramp for PWD located at the basement parking and it is the typical design for all the buildings in Arista Place.

Seriously? Use the basement ramp? O yeah! That is what we've been doing since we moved in! And I can assure you that it is hard and definitely not safe. I will dare anyone, who rally that idea, to sit on a wheelchair and wheel himself up to the ingres road. Really? Did they even think about it or at least tried to use the basement ramp?

This is the basement ramp.

Do you see what's wrong with these photos? Yes. There are no railings, right? Based on our personal experience, it's hard to push a person on a wheelchair with that slope. How much more if the person on wheelchair is alone and just wanted to breathe some fresh air around the community? It is also not feasible! Let talk about safety? Is there any signages or safety measures for PWDs. None. What if there's a car?

This is our building entrance from/to the road:

And building entrance from/to the amenities:

See? You need 2-3 people to lift a wheelchair-bound person through those steps.

We already have an accessibility law but is it being implemented?

According to the Magna Carta for Disabled Person or IRR of BP 344, no group of people shall be deprived of full participation and enjoyment of the environment or be made unequal with the rest due to any disability.

1.3 BASIC PHYSICAL PLANNING REQUIREMENTS. No group of people shall be deprived of full participation and enjoyment of the environment or be made unequal with the rest due to any disability. In order to achieve this goal adopted by the United Nations, certain basic principles shall be applied:

1.3.1 ACCESSIBILITY. The built environment shall be designed so that it shall be accessible to all people. This means that no criteria shall impede the use of facilities by either the handicapped or nondisabled citizens.

1.3.2 REACHABILITY. Provisions shall be adapted and introduced to the physical so that as many places or buildings as possible can be reached by all.

1.3.3 USABILITY. The built environment shall be designed so that all persons, whether they be disabled or not, may use and enjoy it.

1.3.4 ORIENTATION. Finding a person's way inside and outside of a building or open space shall be made easy for everyone.

1.3.5 SAFETY. Designing for safety insures that people shall be able to move about with less hazards to life and health.

1.3.6 WORK ABILITY AND EFFICIENCY. The built environment shall be designed to allow the disabled citizens to participate and contribute to developmental goals

(Reference: IRR of BP 344)

 

In spite of everything I put on the table, the law and the inconvenience, we still got a 'NO'. It is so obvious that it is a violation of my daughter's right to have an accessible environment. But what can we do? Instead, we go on with our lives and deal with it.

After a while, some other issues were raised by the other residents. So we brought up our concern about the building ramps and cited the other areas that are not accessible by PWDs as well. These include the Function hall and AVR, being on the second floor of the Clubhouse with no elevator or ramp access. We also mentioned the badminton court, gazeebos and pathways that do not have a ramp. We've communicated everything to our property manager and as far as I know with the BODs but our concerns fell on deaf ears. So we joined the group of unit owners who wanted to take it to the next level. After consolidating all issues, we sought for the intervention of the Paranaque City government. We spoke to our good Mayor Olivares and he immediately sent people to check the property the next day. After the inspection, we waited for months but to no avail. In short, there were no actions made.

So, to answer the question 'Is DMCI a PWD-friendly home?' It is a big NO. Well... not yet but I'm very optimistic that one day, when God permits, DMCI will do the right thing.

Ciao!

Happy Independence Day!

And yeah, I'm back to blogging.

It's exactly 90 days since the Philippine government have implemented the community quarantine here in NCR (National Capital Region) due to the Covid19 Pandemic. As of this writing, we have a total of 24,787 cases, 1,052 deaths and 5,454 recoveries. We still have 18,281 active cases which means 74% who were tested positive are still fighting for their chance to live. Looking at the data, I'm not really sure if we're flattening the curve. There are news of a possible vaccine within the year but who knows when?

Looking at the brighter side of this pandemic, a lot of good things happened. Mother Earth is healing! No traffic. Less pollution. Most countries are on lock down. Most people stayed at home. Families are bonded together. There are lots of wanna-be chefs who mastered cooking and baking. People with green thumbs rekindled their likeness to gardening. New entrepreneurs had the guts to do their business online because of the demand, may it be food or essential goods.

Basically, life forced us to go back to the basic things that matter. This pandemic gave us the time to re-organize our thoughts and feelings. The time that we've always wished for but we cannot have because of our other priorities. Now that we have all the time, this is the perfect moment to think about our mission in life and be closer to God.

From the bottom of our hearts, let us pray for the end of this world pandemic. So we can finally say out loud and proud "Happy Independence Day!"