How to Invest in the Stock Market through COL Financial: Guide for OFWs in the USA

I was so disappointed when I learned that OFWs in the USA cannot invest in mutual funds in the Philippines. Thankfully, though, we can still invest in the Philippine stock market. I took the money we earmarked for mutual funds and put it in the stock market through COL Financial.

COL Financial is an online stockbroker that has been around since 1999. It is considered as the number 1 online stockbroker in the Philippines. They are also recommended by Bo Sanchez and his Truly Rich Club.

I have read Bo Sanchez’s short book “My Maid Invests in the Stock Market” some time back and got intrigued with the stock market. I know that it has some risks, but if I study it and treat it as an investment rather than regular stock trading, I should be okay.

Another reason is that investing in the Philippine stock market is a way of supporting our country’s industries and companies. If you want to open a COL Financial account, just follow these instructions.

1. Learn about the stock market.

You need to understand the risks and rewards associated with it. It’s not just about the millions you can potentially get. It is possible to lose money in the stock market. Read books and blogs about it and decide if it is for you.

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Review of Bear and Chicken by Jannie Ho

Every week I write about the books that we read for my son. He is currently 4 years old and loves a good book! I am not a professional book and illustration reviewer or critic, but I can write about the book, what I think about it, and how our son reacted to it.

What the Book is About

“Bear and Chicken” tells the story of an unlikely friendship and a good Samaritan. Bear walked during the winter and he stumbled onto a frozen chicken. He brought the chicken home and helped her thaw and be warm. Then he prepared ingredients for a lunch of soup. But Chicken thought that Bear was going to eat her! She tried to run away. Bear chased after her and explained that he was cooking lunch for the two of them. They then started to talk about being friends and eating lunch together.

The book also explains that Black Bears found in North America are mostly vegetarian, and so it is not just wishful thinking that the bear is a vegetarian.

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How to fill your car with gas

I did not know how to fill my car with gas when I first arrived in the United States. In the Philippines, you just pull up next to a gas filling station. You don’t even need to get out of your car, an employee will go to you. Just roll down your window, tell them how much gas you want and they’ll do it for you.

In the United States, that is not the case. Filling your car with gas is a do-it-yourself process.

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Review of Bye Bye Big

Every week I write about the books that we read for my son. He is currently 4 years old and loves a good book! I am not a professional book and illustration reviewer or critic, but I can write about the book, what I think about it, and how our son reacted to it.

What the Book is About

“Bye Bye Big” is about the contrast between “big” and “little.” It’s a simple enough book that somewhat describes the food chain in the animal kingdom. It follows a simple formula: “1. There’s a big animal. 2. There’s a little animal or insect. 3. Big animal eats or captures little animal.” It follows this formula until the very end when a little mosquito bites a big man. Then the man falls down and the tiger appears to vomit all the animals that were previously eaten.

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How to Calculate Your Monthly Expenses in the USA

When you work in the USA, you will earn dollars. But you will also spend those dollars for your needs and expenses. Before you move, it helps to research and plan for how much you’re going to spend monthly in the USA.

I looked at several websites and read some blogs about monthly expenses in the USA. I found some resources that can help you calculate your monthly expenses.

Monthly Expense Calculator

I found the budget calculator provided by EPI to be helpful in my planning. If you already know where you will rent an apartment or house, enter the zip code, choose the city or locality, and it will generate a list of expenses: http://www.epi.org/resources/budget/

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Review of Elephants Walk Together

Every week I write about the books that we read for my son. He is currently 4 years old and loves a good book! I am not a professional book and illustration reviewer or critic, but I can write about the book, what I think about it, and how our son reacted to it.

What the Book is About

“Elephants Walk Together” tells the story of two elephants–Precious and Baba–elephant siblings who belong to the same family. They walk together with family. One day, hunters capture them and bring them to a circus. Precious and Baba had to learn tricks for the circus. Though it was difficult, they had each other. Through the decades, they grow up until the circus decides to break them up. Precious ends up in a zoo while Baba continues to perform in a circus.

The zoo director eventually grew concerned of Precious’ situation and takes her to a sanctuary, where she heals and starts walking again. Then one day, out of the blue, Baba walks into the sanctuary, and together, they walk again.

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Here’s Why You Need Amazon Prime

I cannot live without Amazon. It’s where I do my online shopping in the United States. I browse the products I need, (if I’m honest the ones I WANT but don’t really need), and after a couple of clicks, I just wait for two days or less, it will show up on my doorsteps or in my mailbox.

I have a secret weapon when it comes to maximizing this site, I am an Amazon Prime member. And here are three reasons why you need Amazon Prime, too.

Free 2-day (or better) shipping.

The good thing about online shopping is you don’t need to drive and waste gas just to buy something. You can order it online at Amazon’s website or app. The bad news is, shipping the product from Amazon’s warehouse to your house costs money. That could cost anywhere between $4 to $10, depending on how quickly you want it to arrive or the type of product you’re ordering.

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Review of What is Chasing Duck by Jan Thomas

Every week I write about the books that we read for my son. He is currently 4 years old and loves a good book! I am not a professional book and illustration reviewer or critic, but I can write about the book, what I think about it, and how our son reacted to it.

What the Book is About

“What is Chasing Duck?” is a simple book about running away from, and then facing one’s fears. Although the book clocks in at 41 pages, those pages are mainly composed of short text and illustrations. Duck is running away from something, and as it encounters other animals–Sheep, Donkey, and Dog–their idea of what chases Duck grows scarier. But Dog challenges them to turn back and face their fears.

The thing chasing Duck is not scary at all. It was just Squirrel bringing Duck the turnips it dropped. Squirrel then drops an acorn. When the other animals pick it up to bring it to him, Squirrel runs faster, thinking that something scary is chasing it.

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7 Ways to Make the Most Out of Your Long-Haul Flight

Does the idea of being up in the air for at least 5 hours excite you?

No? I didn’t think so.

For most of us, traveling long haul flights whether within the continental US, or internationally, brings a big sigh and not of relief. You’re crammed with hundreds of people, your legs barely have room, and to make things worse, someone’s child might cry during the whole flight.

(If you’re the parent of the child, then you’d probably be miserable the whole flight, too. But that’s just how parenting works).

I’ve been to flights that are 12, 14, and 16 hours long! They are not fun. You’re immobile and can’t move around. You’re just sitting, and essentially waiting until the plane lands.

Since you cannot really do a lot, just maximize the time that you have by doing the following:

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