My Love for Personal Finance

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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!

Buy Foreign Stocks with Gotrade

As you all know, for the past month, I’ve been investing in Crypto currencies. I haven’t earned yet, to be honest (haha! I bought half of my coins when the market was high). But the past month, I’ve been learning a lot. Plus, this is such an exciting space. Anyway, I digress. What I wanted to share was that I started Stock Trading in the US Markets, too! We’ve been investing in local stocks for years now. Having listened to financial US vloggers made me curious about trading in DOW, S&P and NASDAQ. Yup, I’m easy to influence! With this, I checked out Gotrade.

I actually signed up for eToro and Gotrade, and decided to go with Gotrade first. The reason was because there were certain stocks like Tesla stocks that I wanted to purchase, but eToro had minimum lot sizes (you needed to invest $1000 to buy into Tesla). Since I just wanted to try trading in the US market first and not jump into it, I went ahead and used Gotrade. Gotrade allows you to invest with smaller amounts.

Signing up and Depositing into a Gotrade Account

When you sign up to Gotrade, you need to have a invitation code. I used my friend, Marvin’s code. For those reading this, you can use this code below.

Gotrade will give you free $5 if you go through the process — signing up, getting verified, depositing $10, and trading your first stock.

For depositing into Gotrade, you can choose instant deposit to Gotrade and transfer up to $1000 or you can use deposit to Gotrade for bigger amounts. For the former, you can use a Unionbank account (instantly deposited with a fee of Php 10) or a BPI account (instantly deposited with a fee of Php 12). For the former, you can use a Unionbank account (3 days to be deposited with a fee of Php 10) or a BPI account (3 days to be deposited with a fee of Php 12). The minimum amount that you can deposit for both options is around $1, so the equivalent of whatever the given exchange will be.

You can also deposit in USD via Swift transfers.

Trading in Gotrade

Just go to a particular stock that you want to purchase and click on trade. When the markets are closed in the US, you can’t trade. I don’t know if it’s just my account (since I only deposited $10 to try it out), but there is no day trading or setting limit orders in Gotrade. You buy the stocks at market rate, which may be to a disadvantage for more savvy investors. It’s simple enough though for those who are starting.

How Gotrade makes money

So to know how this platform earns, they’re very transparent. They actually enumerated these things in the app. I’ll share it with you here, too, just so you know.

These are their sources of revenue:

  • A small fee collected on the foreign exchange from your deposits
  • Interest income generated from cash
  • A premium paid subscription program (coming soon!)
  • Interchange fees on your debit card spends (coming soon!)

My purchases so far and my experience…

I appreciate the fact that the app is very simple to use. All of the features are presented in a way that’s very straightforward. I love the way the sign up process (onboarding process). I just started yesterday and deposited $10, so I will still explore the app further and let you know my thoughts on this.

I bought partial shares of AMC, Amazon and Tesla. Why? Just copied the vloggers that I watch really (so copy me at your own risk, too! haha!). For each stock though, I appreciate the fact that they have a very comprehensive page that shows the market stats for the stock, news about them, and the story behind the company. This is so that users can read up on the company who’s issuing the stock.

So for one day of trading, I grew the $15 ($10 from me and the $5 FREE from Gotrade) to $25.15. This is really because I got into AMC when it was $33+, and with one day of trading, it’s now at $62.55. So this is really not how quickly you earn (for full disclosure). There has been a lot of hype on AMC lately so treat this as an irregularity.

Going back to Gotrade, when you share your first few trades, you earn a dollar for each share. I think I earned a dollar back for the first 3 shares.

Withdrawals from Gotrade

You can enroll your bank account and they will deposit your money via SWIFT. Again, for full disclosure, I haven’t tried to withdraw yet. I’m holding on to the stocks, but once I get to a comfortable position, I will withdraw just to try it out and write about it.

So there you have it, peeps! I hope this article helps. I’ve been doing a lot of financial content on Tiktok, too, so please head on over to: gingerarboledatv on Tiktok (content in both Filipino/English).

Let me know if you have questions or tips for me regarding Gotrade in the comment section. I’d be happy to share it.

Again if you want to join GoTrade, here is my invitation code:

Happy investing!

We took a Swab Test! A CircleDNA Test

I watched a fictional show online where a tech company created an application for matchmaking based on the DNA of the users. I got curious on what these tests are and researched about it. I actually didn’t know that these test where actually available in the Philippines already, and the trusted brand is called CircleDNA. This is the brand that we wanted to try since their Circle Premium DNA Test kit can provide more than 500 reports across 20 Categories.

Why my Husband and I opted to spend on a CircleDNA Test?

In a world where new virus and diseases are constantly popping up, the best defense against sickness and poor health is prevention. And prevention comes when you truly have information and actionable insights that you can use. This is what we like about Circle DNA. They provide not just the data, but information that you can use to achieve optimal health.

Getting sick is very expensive. We always believe that prevention is better than cure.

What does CircleDNA collect?

If you undergo this DNA test from Circle DNA, you will have to provide accurate Personal Health Information. If you are submitting this for a family member, please make sure that you get their consent before submitting the test. You will also provide a DNA sample. It’s super easy. 

How to Collect DNA sample for CircleDNA?

First, you have to download the CircleDNA app and activate your kit. You can activate it by scanning the barcode of the tube provided. Next, you need to take a saliva sample. Swipe the inner side of mouth (cheeks) 10x on the right then 10x on the left.  Place the swab side the tube, seal it and shake it 10 times. 

Swab each side of the cheek 10 times
Place inside the tube and shake the tube

Then return the sample to their lab. The CircleDNA premium comes with FREE delivery and return. Just follow the instructions in the app. After 18 business days, you will have the results. Genetic data includes information about genes and regions relevant to the ordered CircleDNA Test. Just so you know, all genetic data may be used for regulatory compliance, and de-identified for internal quality control, validation studies, and research and development purposes. The CircleDNA Premium actually comes with a free 1 on 1 consultation, too.

Let’s break down some of the reports and benefits…

So I haven’t see the my report yet as my husband and I are just prepping to get the DNA samples after I draft this. You cannot eat, drink, smoke or chew gum 30 minutes before collecting your DNA sample, so I’m writing this as I’m waiting.

Let’s go through some of the benefits. There are 36 Cancer Risk reports and 65 Disease Risk reports that can show you have an increased risk of developing certain types of hereditary disorders. And if you know these things, you and your doctor can talk about ways to prevent or detect hereditary disorders earlier and potentially catch it at a treatable stage. Because relatives share some genetic features, your results may also be informative to your biological relatives.

There are also Family Planning reports which may show you are a carrier of genetic conditions that could affect your family. The test will analyze the risk profile of 163 potential conditions based on your genes. You may be carriers of genetic conditions without knowing about it. If both of you and your partner are carriers for a certain condition, in general there is a 25% chance that your offspring could develop a condition.

Other interesting reports are the diet and fitness categories test results that will give you further understanding of your own macro- and micronutrient needs, your response to power or endurance exercise and recovery speed and sports injury risk. These insights may allow you to use your Genetic Information to explore more customized solutions to reach your fitness and nutritional goals. Of course, we all know that genes is only a part of what we need to know. A big part is still played by the lifestyle that you have.

A report that I am really interested in though, since I am allergic to a lot of things (as you may now know, I have super bad rhinitis and one time, I suddenly had terrible reaction to Ibuprofen), is the drug response categories test results. These reports may give you insights to help you select the medication(s) and dose(s) that are best suited to your condition and genetic makeup. The results will identify the right medication, the proper dosage as well as medications that may be harmful for you across more than 100 FDA-approved medications. With this information, you can discuss this again with your doctor to prevent adverse reactions to drugs. 

Who can take this DNA test from CircleDNA?

Anyone can take this test. For those below 18 years old, they need to give consent to their legal guardians or their legal guardians can get it for them. 

How much does these kits costs?

These CircleDNA Premium kits cost Php 26, 240 pesos, but if you get two kits, it will be at Php 49,200 ONLY.

There  is also another kit called VITAL with 125 reports in 14 categories. These cost Php 7888 per kit.

For more information on Circle DNA, you can visit their site: CIRCLEDNA

Use my code GINGER33 for 33% OFF on all DNA kits!

We’re excited to share with you our results once we get it. If you’d love to know more about yourself and if you value your health and the health of your loved ones, come and try it out with us! Prevention is still better than cure.

BFIT Active Kids: Fitness Program for Kids

Update: FREE TRIAL Class for BFit Active kids on June 1 & 5, 2021: Sign up here https://bit.ly/2SdF3pY

photo of woman and girl stretching their body
Photo by Ketut Subiyanto on Pexels.com

It’s been a challenge encouraging my daughter to exercise and be active. Gadgets like Ipads and switches make it extra difficult to drag them to get up and move. So I’ve been researching for indoor activities and i’ve been looking for a fitness program for kids, and I came across this BFIT Active Kids program by Bert Lozada Swim School, and it’s not about swimming.

Taking from BLSS’ over 20 years of experience managing Physical Education (PE) classes in different education institutions, BFit Active Kids offers online PE Programs aligned with the Dept. of Education’s curricula for students in grades K-12.  Structured, mapped out for the school year and easily-replicable for home-based students, the BFIT Active Kids Program is designed for homeschoolers and schools who would want to outsource their online PE program.

I invited Angelo and Pepper Lozada to talk more about the program. Feel free to watch it here.

With the Covid-19 Pandemic, most of the schools are going online. There is an immediate need for a more personalized approach to PE that promotes lifelong fitness.  Our quality curriculum coupled with an online environment creates an ideal setting to achieve that personalized approach.

The ultimate goal of BFit’s personalized online PE program is to empower students as they develop a lifelong commitment to health and physical fitness.

BFit Active Kids Session Includes:

  • One (1) Lead Teacher
  • One (1) Teacher Aide (depends on the number of students per class)
  • Monitoring Team to assure quality of the program
  • Syllabus, Lesson Plan and Rubrics for PE

The rates are affordable, as well. Just to give you an idea, a One-on-One Class is worth Php 600.00 / head. They offer package rates too.

  • 10 session package 5,750.00
  • 20 session package 11,000.00

If you are interested in enrolling, all you need to do is to go to:

For the classes, you will need to have the following:

  1. Stable Internet Connection
  2. Laptop or Tablet with Camera
  3. Zoom Account (Free Account)
  4. Min. 4ft x 4ft Open Space
  5. External Speakers or Bluetooth Head set ( Optional but highly recommended )
  6. Exercise / Yoga Mat
  7. Water Bottle for hydration
  8. Fitness Watch (Optional)

Feel free to visit their page for more information: https://www.facebook.com/bfitactivekids

How to Buy Crypto Currencies 101 on Binance

I recently just learned how to buy Crypto Currencies on Binance (All thanks to my friend and co-founder, Kevin). I never really thought of purchasing digital coins before, because I had to pay my loans and we had a lot of things going on. Now that I have paid all of my credit card debt and I know that I can pay it off fully every due date, I had a little bit of cash to test the waters and buy coins.

For all beginners reading this, it fine if you want to test is out and buy crypt currencies with only $50 (around Php 2500). From my research, what investors would advice beginners is to test the waters first using up to $250 dollars first. Figure your way out first and learn how to use an exchange like Binance.

Since this is a post on how to start with Binance, let’s get started.

How to buy crypto currencies on Binance

Step 1: Sign up here This link will lead you to Binance. Have the following by your side when you sign up: Passport, Proof of billing like utility bills with your name and address and download already the Google Authenticator App from the App Store or Google Playstore. So be ready with these things as you will need to have yourself verified and this is the first step on how to buy crypto currencies.

Step 2 (Feel free to skip this if you wish): Once you are verified. Go to the TASK CENTER. From what I know you will see this. One of the tasks that you haven’t complete yet (of course) is to “Buy at least $50 worth of crypto” and you will get a beginners pack. The beginners pack is actually 1000 BUSD which is almost or most likely equivalent to 1000 US Dollars that you will need to keep for 7 days in Binance Earn (sort of like the savings account of Binance). You can’t withdraw or transfer your Trial Fund but you’ll enjoy the annualized interest generated by the subscribed Savings product with the Trial Fund as the initial capital. Basically, what this task shows you is that Binance has other features like this. I bought USDT since I thought initially that you can transfer it and use it to buy coins. I suggest that you try it out with BTC or Bitcoin instead.

Before we proceed on the steps on how to buy crypto currencies, let’s go through some definition of terms first. Bitcoin or BTC was the original crypt currency so you’ll see a lot of reference to it. Account balances are show in BTC, too. The other coins in the market such as Ethereum or ETH, Binance or BNB, DOGE or SHIBA INU or SHIB (or whatever coins you may have heard of) are called ALT coins. Now there are also STABLE coins like USDT or USD Tether and BUSD which are close to the amount of the dollar.

What I do is that I buy stable coins first then convert it to the coins that I’d like to buy when I want to or when it hits a certain price.

STEP 3: To buy STABLE COINS (what I use is USDT), just click on Buy Crypto and you can use any of these. I use Credit and Debit Card. P2P trading is where you buy from another person.

For P2P, this is how the screen will look like. Set the currency to PHP and choose how you want to pay the other person for buying your stable coin.

how to buy crypto currencies 1

Some reminders, which I learned from Ken Ken, one of my friend who is into Crypto Currency trading, you have to check on the number of orders and the percentage completion of the orders. The higher the number of orders and rate of completion, the better it is to deal with that person.

Step 4: Once you have your stable coin in your Binance account, it’s time to purchase a currency. Before purchasing though, please do your own research. You can check out https://coinmarketcap.com/ I’m not here to tell you what to purchase, but please do read up before buying. Also, only use funds that you are willing to lose. Truth be told, I’m just experimenting right now and in the same stage as you, so I am not in the position to give advice.

So let’s proceed on how to buy coins on Binance. There are multiple ways to purchase a coin.

A. Go to Wallet then click on Fiat and Spot. It will take you to this page. You can either click on Buy or Trade your USDT for BTC.

how to buy crypto currencies 2

if you chose Buy, it will take you to this page where you will can directly purchase the currency that you like.

how to buy crypto currencies 3

B. My recommendation though is to click on TRADE after you have purchased STABLE COINS. You can watch my friend Marvin’s video on why here: https://www.youtube.com/watch?v=uv7UULOQ-7Q

So when you click on trade, (in this example, I want to buy BTC/USDT meaning I will trade my USDT for BTC), it will show me this page.

It looks complicated but just read up more on trading. I will try to invite a person to interview to talk about crypto currency trading soon on my Youtube channel. If you know people, please recommend them to me too! 🙂

Anyway, scroll down to the fields below.

For this guide for Beginners, I’ll talk about Market and Limit. Basically, when you click on Market, you buy (or sell) based on the current market rate. You will just need to place the amount of USDT that you are willing to spend, just like this.

Then just click on Buy BTC and voila! You will have that crypto in your Binance Wallet.

Now for limit, if you have an idea of at what rate would you like to buy (or sell) this currency, place the rate in the Price field and then move the line to how much of your USDT are you willing to spend when the price reaches your indicated price.

In this case, you are willing to spend 82% of your USDT when the price reaches 56500.

Step 5: To check if it’s in your wallet, just click on this – Wallet >> Fiat and Spot or click on Overview.

So that’s it for today. I hope I explained clearly on how to purchase crypto currencies on Binance. Again, if you don’t have a Binance account yet, you can click here: https://www.binance.com/en/register?ref=O3SBEE8M

Please check that you are in Binance.com since there are some phishing sites that replicate Binance.

If you have any questions, feel free to comment below so that I can help you out or I can get someone to help you out! haha! As you know, I’m just still starting like you.

Why did I start purchasing Crypto?

I just thing that the time will come when most of us will be using this as currency. Right now, I don’t really see myself day trading this, because I know that I am more likely to hold on to these currencies and see what will happen. Plus, I know that I have a lot to learn still. So… let’s learn together. I wanted to start with the topic how to buy crypto currencies, but I promise to share new learnings with you.