Business

Talks about Mommy Ginger’s business tips and advice for momtrepreneurs. She shares valuable knowledge on topics like branding, marketing and consumer insight.

What Type of Investor are you?

I started investing in US and foreign stocks a month back via GoTrade. If you want to start buying foreign stocks, too, you can use my invitation code, 458377 so you can use this app, too. Anyway, I’ve noticed that I’m the kind of investor who was doing Momentum Investing at first. This is the reason that I got to buy AMC stocks, much like my favorite YouTube vloggers.

But as soon as I saw and researched that the best way to go if you are more on the conservative side, is just do Dollar Cost Averaging.

What is Dollar Cost Averaging?

Dollar-cost averaging or Peso-cost averaging (since most of my readers are from the Philippines) is when you amke the same amount of investments at set regular intervals. Example, if you make a $10 investment on Vanguard Total Stock Market ETF every 30th of the month on Go Trade, that is cost averaging.

Use this invitation code so you can use Gotrade! It’s by invitation only 🙂

Why do people like this way of investing? I personally think that no matter how you try to predict the market, you can’t be 100% right. So the regular investments that you make at regular intervals just captures the market prices at all levels whether it rises or dips and thus, you mitigate the risk by “averaging” the prices out.

I personally find this investing strategy comforting. I used to check the markets daily (maybe I still do… haha!). But, now, I am more at peace and comfortable.

Also, there are other types of investing and some methods may work well for other people.

The other one is Momentum Investing, just like how I did it when I was starting.

Momentum buy stocks when they know that the prices are going to go up and sell stocks when the prices drop. I was fascinated at first by checking charts and studying trends, but then, personally I got tired of monitoring. But there are people who are really good at this. Stock traders and brokers are very experienced when it comes to this and they probably enjoy this as much as I enjoy watching shows on Netflix or playing games online. You can try this type of investing, too, but just know that there are risks involved.

The other type is value investing. I was watching a video yesterday of this vlogger going through some undervalued stocks that people don’t notice. That vlogger is a value investor and always looks out for these types of stocks. In the article that GoTrade shared with us, they mention that these “undervalued stocks are stocks with prices they believe are below the intrinsic value of the security”.

So when you buy stocks that are undervalued now and then they grow in value, your investments grow. In this kind of investment, you just need to know and look at different kinds of stocks and search for the ones that are undervalued.

And another type is Growth Investing. Just like the Venture Capitalists who are looking for the next big “unicorn”, growth investors are looking for the next big stock. These investors look at the trends and look at the growth potential of the company. Usually, since these are newly listed companies in the stock market, they don’t give out dividends.

And the last type that I know of is called Dividend Investing. Aside from Dollar Cost Averaging, I actually am also trying this out. I look for stocks that give a high divided yield, and then I DCA on those stocks. Usually, those that give out dividends are more established brands. But note that the frequency of dividend payouts are not guaranteed. If a company decides not to pay dividends for the year or quarter, it’s their choice.

So these are the types of investment strategies that I know of. Did I miss anything? How about you? What type of an investor are you?

Axie Infinity Journey & Team Arbo Axie Infinity Incubation Program

If you’ve heard of Axie Infinity, we are playing this for two things: one is because it’s a fun game and two, to check out the earnings potential of this game. As you know, this blog is about Mommyhood, Business and Finance (basically everything that I care about), and this is one of the things that we’ve been studying as a family for exactly 15 days now. We started our Axie Infinity journey last June 20, 2021 and in a span of 15 days, a lot has happened, including this launch of the Team Arbo Axie Infinity Incubation Program.

Our Experience

So I started my Crypto Journey just this year. I don’t think I’m late in the game, because just these past few months, the Crypt Market dropped to figures that they had a few years back. I saw this opportunity to enter into the market. At first, I would check the markets everyday (I still do but not as frequent anymore as I did before). I would check charts every single hour. But after a while, I realized that I should do what I do with my other investments, which was cost averaging. So with this, I started just cost averaging and sticking to the top currencies (Bitcoin, ETH, ADA and around 7 more coins). BTW, for those who want to start buying crypto, it’s never too late to start. You can use Binance and please use my referral link. For full disclosure, I get a little bit of credit when you SPOT Trade or buy currencies in the market.

To understand what SPOT trading is, this is the article that I wrote: https://mommyginger.com/how-to-buy-crypto-currencies-101-on-binance.html You’ll be needing this for Axie Infinity, btw.

Okay, back to my story. So I then got interested with online games where you earn Crypto Currencies. Saw Earth 2, and I think it works on the blockchain, but I’m not really sure. I bought some piece of land, and I also wrote about it in this blog. I also made an account on Cryptokitties, but didn’t really do anything there. Then I heard about Axie Infinity from the group of Ken-Ken Somera called Cryptamad. I checked it out and I was surprised that the initial investment was at Php 35-40 Thousand Pesos. I wasn’t ready to invest at that time, so I wanted to be a scholar instead (more on Axie Infinity Scholarships later). Just a few days after, we decided to invest just to try it out.

We started with a budget of Php 20 Thousand to buy 3 cute Axies. You need three to start playing. Being gamers, we looked at the cards and decided to buy a good enough team, and started playing.

Axie Infinity Incubation Program: Axie Infinity Scholarship program 1

How to Get Started

I won’t go through the step by step journey, BUT you can just watch this. EJ did a great job of explaining.

EJ and I also were interviewed by our friend, Fitz Villafuerte in this podcast:

So the investment that you need for Axie Infinity is around $1000 or Php 50,000 to start. This will allow you to buy 3 Axies (those cute little characters). It’s a bit steep, especially when you just want to play, and because of this, there are what are not called scholarships. Scholarships are basically investors/managers who buy teams and let other people play it.

To know what scholarships are, here is another video that I did with my friends Ken-Ken Somera and Louel Guiting.

Hope all of these Axie Infinity Resources help.

Our Current Funds

So as promised, I’m going to share with you what we have earned in 15 days. So our initial investment was at Php 20,000. You can’t a good team anymore with this price so the average now for an okay team will be around Php 45,000 to Php 55,000.

The good news though is that the price of SLP (coins that your earn from this game) is increasing. It was at Php 6 when we bought in. Now, it’s at Php 8.00 (I just placed Php 7.50 on my sheet since I want to be more conservative).

So as you can see, in 15 days, we almost recuperated back our investments.

What will we do with the money after?

We plan to earn enough to buy a new team and cascade it through the Team Arbo Axie Infinity Incubation Program.

What is the Team Arbo Axie Infinity Incubation Program?

Yesterday, we announced our own version of the Axie Infinity Scholarship program called the Team Arbo Axie Infinity Incubation Program. It’s quite different from other programs since we are looking for future potential managers.

Full details on this video of EJ.

We also have this deck for you to go through and see if the Team Arbo Axie Infinity Incubation Program is for you.

Axie Infinity Incubation Program Presentation

We will be deliberating on who to choose for this batch and for the succeeding batches. For full disclosure, this Incubation Program is in collaboration with our friend Fitz Villafuerte and another friend, Bored Ape (not his real name since we can’t disclose).

We really hope to bring more jobs to people so stay tuned for more announcements. We usually stream on https://facebook.gg/TeamArbo so please follow EJ and I there.

For those who want to invest and generate jobs for others, and not really play the game, feel free to contact us. You can just PM us through the Team Arbo Page or the Mommy Ginger Page on Facebook.

Enjoy Axie Infinity!

14 Years of Blogging and These are the Things I Learned…

It was one afternoon a Japanese restaurant when I decided to blog. At that time, the easiest and the most accessible tool was called LiveJournal. My mom, dad and sister loved eating out so I wanted to start food blogging. Blogging wasn’t really something that you could earn from at that time. It was hobby that people got into when they wanted to journal and document that food that they ate, the clothes that they wore or their recent trip.

On that same year around December, I met a guy who later on became my boyfriend. This man started a blog with this family called Manila Reviews. I loved the idea, so I volunteered to be one of the writers, too. Fast forward to two years after, we were planning our wedding and he and I took over Manila Reviews while other family members started their own blogs, too.

Me with my husband, Ej! 🙂

Manila Reviews was the first blog that we kept for many years (2007 to 2015). It was a lifestyle blog where I would write about food and beauty, because these were the things that I was interested in writing about. I also started Manila Fitness, a blog about fitness and health (2009 to 2015).

We got our first brand deal from Nokia way back in 2008, but never really thought of monetizing our content until 2010, when I was writing for other blogs as a freelancer writer. It thought to myself, “why am I making money for other people?” This is when I decided to turn this passion into something profitable.

Run “Content Creation” like any Business…

This is the time when I started creating a media kit, a professional influencer bio and impressive proposals. I was working as a banker, so I applied all my professional skills into my blogging career. And that apparently worked! We were getting brand deals here and there. We were earning around $6,000 to $10,000 per year from content creation.

I kept both these blogs going until 2013, when I started MommyGinger.com. This was the time when I had my first child, and since my intention for the blog was to document my life, I was writing about my experiences being a mom. This was the time also that I started an events business called Manila Workshops. In my blog, I would also write about my experiences on setting up a business and juggling my time as a mom and as an entrepreneur.

Be Clear with what the Job of your Blog is…

From merely documenting my life, my purpose for the blog evolved to it being a platform where I can help other aspiring entrepreneurs create and sustain a business. I am a firm believer that you need to know exactly what it is that you want to say, what your purpose is and what you believe in. In these times when the influencer marketing industry is on track to be worth $15 Billion by 2022, you need to stand out. You can do this by being authentic to your own personal brand, enjoying what you’re doing while providing value to others and by using that “voice” that you have to make positive changes around you.

Don’t stress about monetizing your content…

Focus on developing quality content that offers value. Whether it’s to provide education, entertainment or information, focus on what value you want to give your audience. If your readers and followers get value from your content, you will have loyal followers.

Experiment using different platforms…

Through the years, different social media platforms have been created and each one targets a particular niche. It’s good to experiment and see which platform can effectively help you carry on your purpose. My belief when it comes to this is to be at least present in all since presence increases credibility and trust. You can be active in those platforms that you are comfortable in using, platforms where your audience is and platforms that allow you to deliver your message effectively.

This is why I blog… For this little cutie!

I’m trying a new platform now called Intellifluence. It allows me to earn by reviewing products that I love and would like to try out. Opportunities like these are out there, so keep your eyes peeled!

These are some of the things that I have learned as a content creator and vlogger/blogger.

My journey is far from over. I’m still learning a lot from creating content so I’ll prolly do this for another decade. For those who have questions or need tips on blogging or business, don’t hesitate to reach out to me and book a call. We can talk about growing your brand, starting your blogging business and fulfilling your purpose!

My Love for Personal Finance

e

Since I posted that I’ve been buying and trading US Stocks via Gotrade, my friends and my daughter have been asking me about trading. Zeeka (my daughter) came up to me one night and asked me why I constantly check weird lines that go up and down on my phone. I said, “Honey, I’m checking the market”. Then she asked me what’s the “market”. So I gave her a simplified version of how purchasing stocks work, in a version where she put up a hotdog stand.

This led me to think about writing this article. Growing up, I wasn’t really exposed to how money works. I just knew that I needed to make lots of it, because that’s what people do. People around me were always saying they wanted more money, my parents were encouraging me to save, etc. And, having a lot meant I get to buy all of the toys, gadgets and clothes that I wanted.

I knew about savings and my parents taught me to save money in the bank under time deposits. But they never really taught me about index funds, bonds, stocks, mutual funds, etc. I was around 27 years old when I made my first personal purchase of an investment + insurance plan from one of the big insurance companies in the Philippines. Every month I would deposit a minimal into this plan (with no fail), and thankfully, today, I can use it for anything in the future, like my retirement or my kid’s education.

This started my love for personal finance. All of these seemed so interesting! I found friends who I got to learn from and who shared the same interest. Learning about growing money excites me. LOL! I know it’s a weird thing to say, but to me, it’s a game. It’s a game where you’re competing with a lot of different factors, testing out different moves and strategies.

Don’t get me wrong. It wasn’t always fun. There was time when I found myself close to a million pesos in credit card debt. It may be small to a few people reading this, but I’ve never had debt that huge in my entire life. I managed to wipe off that debt in one year, and I’m super proud of this.

I don’t have dreams of becoming a billionaire. I’ve never been that kind of person. My dreams are more for my children (if you’re a parent, you’d understand this) and for the world. I really, honestly-to-goodness want to help in making this world a better place, and I chose my niche. My heart goes out to MSMEs and freelancers out there because I have been where you are at a certain point in time. I understand the struggle, the hustle, the pain and the triumphs that these people go through.

So in terms of personal finance, I’d like to share with you some of the things that I’ve done that has helped me grow my money and not stress about finances in the recent years:

Be Honest with yourself

If you’re in pain because you’re bleeding out money and talking about personal finance gets you down, face the problem and understand why you’re in this situation. What helped me a lot is tracking my inflows and outflows. If you are married or live with your parents or siblings, it’s best to have track household budget and expenses, too. My husband and I track our own expenses using a Google Form. Here is a template that you can use: TRACKER It’s easy to make a tracker like this. Just go to Google Drive then create a Google Form. Once you have created the form, share it with the person who you want to track the household budget with.

A huge part of our revenue goes to mortgage (but that’s a given). What I realized from doing this is that I spend a lot on food. LOL! So from knowing this behaviour, I’ve become more intentional about splurging on food. We only splurge when their’s a celebration and only try to order food when it’s the weekend.

Never compare your life with others

I love looking through Instagram, Facebook, TikTok, Youtube and there are times when I honestly compare myself and what I have with others. It’s so tempting, right? When someone else has that new iPhone model, or a bigger house or when someone else has a stock portfolio of a $1,000,000, you can’t help but wish, when is it going to be my turn. But what I have learned is that our lives are different. Whenever I’m tempted to buy, I ask myself, will this be something that I really need in my life (channeling in Marie Kondo). Sure, a few thousands of pesos will definitely bring more comfort. But if you stress yourself out in the journey getting there, is it really worth it?

Rules I Follow when I invest Money

We all know that cash in a savings account is obviously safe, but that’s it. Nothing happens to your money, because interest is so small that you don’t really feel it grow. Plus, over time, money really depreciates in value. So the trick is really to place it in a vehicle that earns more than the yearly inflation rate at least. This is why I have learned to be more open to risks.

My first rule in investing is to know how much risk are your are willing to take. Don’t invest in something that you haven’t researched or read about. Also, don’t invest money in high risk vehicles because you can lose all of this in an instant.

My second rule is to diversify. We scattered our funds and have investments in PH and US stocks, mutual funds, high-yielding savings accounts and crypto.

And my last rule is to never invest in something that you don’t understand. Don’t get me wrong. You don’t have to be an expert on investing, but read up or watch videos online. There are a lot of resources online that will teach you about investment. Don’t get left behind, too, when it comes to knowing about what’s happening around you. There are a lot of fake and crazy news that you’ll eventually read — a lot of scams, too. So learn as much as you can, ask friends or people who have tried these investments out and practice caution (but not to the extent that you’d rather keep your money under the mattress).

I hope you liked my thoughts for today on personal finance. I am not a financial expert so these are really general tips and the things that I shared and will share with you are really based on my own experience. Having said that, for those who would love to learn about Crypto Trading, you can start by reading this article:

It’s about how to get started on Cryptocurrency trading using Binance. Binance is the main platform that I use.

Let me know if you have other topics (personal finance is so broad) that you want me to discuss, zoom in on, and talk about.I also talk about finance on my TikTok channel so you can follow me here: https://www.tiktok.com/@gingerarboledatv

‘Til next time! Happy investing!