9 Best Lessons from Warren Buffett everyone Should Know

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He is one of the most successful and very interesting multi-Billionaire this century has to offer. Decorated with triumph one after the other, he defied the expectations of how a rich man does and live the opposite instead. He keep himself humble, friendly, and simple. I read an article that I eventually reposted in facebook from greenyatra/facebook about the life of this greatest money-maker.

There was a one hour interview on CNBC with Warren Buffet, the second richest man who donated $31 billion to charity. Following are some interesting aspects of his life that will surely surprise you.

1. He bought his first share at age 11 and he now regrets that he started too late!

Things were very cheap that time, so encourage your children to invest and lead them the way to start young. When Buffett was a teen, he was already raking in about $175 a month — more than his teachers (and most adults). Read more: Business Insider.

2. He bought a small farm at age 14 with savings from delivering newspapers

One could have bought many things with little savings. Encourage your children to start some kind of business. Best things are prepared for those who started early in life. Paper delivery was just one of many small businesses teenage Buffett orchestrated: He sold used golf balls and stamps, buffed cars, set up a pinball machine business, and turned a horse track into a lucrative playground. Read more: Business Insider.

3. He still lives in the same small 3-bedroom house in mid-town Omaha, that he bought after he got married 50 years ago. He says that he has everything he needs in that house. His house does not have a wall or a fence.

credit to the owner

Don't buy more than what you "really need" and encourage your children to do and think the same. You have to distinguished what are assets and liabilities and from there, you can make a wise decision habit. Warren is maintaining to live away from luxurious life. His attitude does not change over the years.

4. He drives his own car everywhere and does not have a driver or security people around him.

You are what you are. Keep a frugal and simple lifestyle. Super billionaires have something in common and they are living a very prudent life it does not mean that they are hoarding their money but that's how they are wire in. Frugality has already been a part of their lives.

5. He never travels by private jet, although he owns the world's largest private jet company.

Always think how you can accomplish things economically. 

6. His company Berkshire Hathaway, owns 63 companies. He writes only one letter each year to the CEOs of these companies, giving them goals for the year. He never holds meeting or calls them on a regular basis.

yahoo new

Assign the right people to the right jobs. Warren is surrounded with best team in the world and understands well his vision for his company. Set goals and make sure people focus on them.

7. He has given his CEO's only two rules:

Rule #1: Do not lose any of your shareholder's money

Rule #2: Do not forget rule #1.

8. He does not socialize with the high society crowd. His past time after he gets home is to make himself some pop corn and watch television.

Don't try to show off, just be yourself and do what you enjoy doing.

9. Warren Buffet does not carry a cellphone, nor has a computer on his desk.

credit to the owner

Bill Gates the world's richest man met him for the first time only 5 years ago. Bill Gates did not think he had anything in common with Warren Buffet. So he had scheduled his meeting only half hour. But when Gates met him, the meeting lasted for ten hours and Bill Gates became a devotee of Warren Buffet.

His Advise to Young People:

"Stay Away from credit cards (bank loans) and invest in yourself and Remember;

A. Money does not create a man but it is the man who created money.

B. Live your life as simple as you are.

C. Don't do what others say, just listen them, but do what you feel good

D. Don't go on brand name; just wear those things in which you feel comfortable

E. Don't waste your money on unnecessary things; just spend them who really in need rather

F. After all it's your life then why give chance to others to rule your life

Related Articles:

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Start Now, Not Later! Here are the reasons why...

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The Billionaire's Way:Why Simplicity is the New Trend?

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source:the social network

I love watching documentaries and biographies of those successful people in the world, from sports to the business world. There are so much to learn from them and once you know them further, you will admire them all the more. I read an article before about 100 Worst Dressed Successful Personalities and strikingly on the top of the list are famous personalities like Facebook Founder Mark Zuckerberg, Apple Founder Steve Jobs, The Greatest Investor Warren Buffet, and Albert Einstein to name a few of them.

With these type of highly successful personalities, I observed that  they have something in common. They wear the same clothes everyday not only that but with same color. Is this the trend today?

 Facebook Founder and the youngest Billionaire said that he is wearing the same gray shirt since he founded Facebook. I asked myself, Is this the secret ingredient on the success of these people? How's that possible? 

To look for justice and fair judgement, I made a research from different sources and found out why these people deviate the fashion norm of the society.

 Here are the fascinating facts that make their lives so interesting both private and public. It confirms why they are so successful.

1. Iconic.

For me, wearing same kind of shirt everyday is a form of strong branding. This is the reason why characters in picture books never change their clothes: Children—like adults, if they’d only admit it—crave continuity. Being stylish for them is obsolete. Even Superman is wearing the same outfit everyday, right?

 These type of people don't conform to the pattern of how everybody should wear. They don't even care how they look because for them what they are wearing is not what matters most. There are more important things to do, to change the world!

The 31-year-old explained this during his first public question and answer session in 2014 when an audience member asked why his outfits never changed. “I really want to clear my life to make it so that I have to make as few decisions as possible about anything except how to best serve this community,” said Zuckerberg.

“I'm in this really lucky position, where I get to wake up every day and help serve more than a billion people. And I feel like I'm not doing my job if I spend any of my energy on things that are silly or frivolous about my life.”

Kaya naman pala... So, if you're noticing someone who wears same shirts 3 times a week, kabahan ka na.. He might be the next Mark Zuckerberg!

2. Less Expense.

Most of the highly successful people in the world are living a very prudent life. Time is  money and looking what to wear would take much of your time. We waste so many precious moments concerning ourselves with frivolous details. An outfit will not change the world, it probably won’t even change your day. This is not to say that fashion isn’t important, as it has an immense impact on culture and, in turn, the direction of society. 

Albert Einstein reportedly bought several variations of the same gray suit so that he wouldn’t have to waste time deciding what to wear each morning. He decided to make life easier by adopting a monotonous wardrobe.

3. Make Life Simple to be more productive.

Why do they do this? To lessen decision fatigue, a real condition where you become overloaded with so many pointless decisions that your productivity ends up falling off a cliff. You spend so long wasting precious mental energy on  distractions – such as what to wear or what to eat – that you stop being able to do your job properly. You become paralyzed with choice. You start making bad decisions and exercising poor self-control until you end up less productive. 

4. Less is More. 

When I started to see successful people wearing the same thing every day, I realized they were part of the movement I belong to, where less is more. Implementing that mindset is critical to reaching financial independence. 

Well in my case, I already applied this long before. Sometimes, when you are doing something incredible, wearing a simple outfit is enough. 

source:the social network

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Bing Su Inspiring Story:The Secretary and the Stock Market

I've known her for years already through an investment forum. She's just an ordinary employee with an ordinary salary; but she's a rock star in saving and investing. Her Story will surely inspire you to the bones...

I was able to chit chat with her and asked her for a brief interview. I'm glad that she gave permission to disclose some personal information.

"Noong highschool po nawalan na ng trabaho ang papa ko dahil ginawang private ang government-owned company na pinagtatrabahuan niya (BUSCO Sugar Milling Corporation) and isa siya sa nagpabayad kaya naghirap kami (leteral po na hirap na hirap). So yung pinaka interesting lang siguro is ang laki ng value ko sa 10 pesos and ang hirap hanapin ang pera."

How were you brought up by your parents in terms of finances?

Wala akong masyado masabi dito sir kasi lumaki din ako sa pamilyang hirap sa buhay. Mahihirap din ang mga kapit-bahay ko kaya ang alam ko lang noong bata ako is pagkatapos magkapera eh ibili ng pagkain. Ang iniisip ko lang dati sa pera is necessity siya na kung wala kang pera is kawawa ka! Kasi hindi mo nabibili ang mga kailangan or gusto mong bilhin, hindi ka makakain ng 3 beses sa isang araw at hindi ka maka tikim nang fried chicken (hahahhaha!)

What are your best practices to save wisely?

Actually marami na akong nababasa na 70-20-30 sir or kaya 70 -30-10. Hindi ko sya masundan lalo na yung 10% na tithing. For me kasi kahit hindi ko sa simbahan yan ibigay pag may nadadaanan akong mga less fortunate na mga tao (taong grasa or yong mga pulubi na hindi ako kinakalabit) doon ako nagbibigay ng blessings or yun ang 10% ko na share.

Honestly nag si-save lang talaga ako ng 5,000 simula noong na-educate na ako (whatever it takes so nasa 30% ng sahod ko yan) tapos pinagkakasya ko nalang ang natitira.

How did you build your Emergency Fund?

I was inspired by TGFI (Sir Floi yung founder) and Suze Orman about Emergency Fund. At First, 3 months equivalent to your monthly expenses which is; 3 months x 10 K =30 K pero noong napanood ko sa Youtube si Suze sinabi niya na mas safe ang 6-9 months.

Noong una lang mahirap kasi ang dami kung inalis na usual ko ginagawa kagaya ng movie kapag may bagong palabas. Kumain sa mga restaurant at saka yung paglalaro sa Quantum (palaruan sa SM) nakakaubus din ako ng token doon na 500-1000 na token every week. Yun ang mga tinanggal ko para mabuo ang 53Th week ko. Wala naman masyadong secrets pag pursigido ka at eager kang matapos ang goal mo. Kapag may goal ka talaga yun ang nagpapa remind sayo palagi na kailangan kung e-hit ito. 

53 weeks saving challenge

Sa 53th week challenge sir ang secreto lang is mag advance ka nang hulog pag may extra ka na pera or pagkasahod mo para hindi mahirap sa dulo.

When did you start learning about Investment?

Actually naririnig ko na sya noong nag aaral pa ako sa college kasi banking and finance ako pero that time hindi mo appreciate or hindi ka interasado kasi pang-pagkain nga wala ka,pang invest pa. Akala ko noon para sa mga mayayaman lang. Hindi naman hinihimay-himay yan pag dinidiscuss ng teacher until one of my classmates sa College (Kristine Petalcurin) nag-message sa akin sa Facebook na balikan ko ang topic sa Stocks and she added me sa group ng Investing in the Philippine Stock Market. Hindi na sya nag detalye pa kung ano ang gagawin basta sabi niya lang try to invest sa Stock Market.

Noong una is eni-explore ko yung page kung anong meron tapos pinanood ko lahat ng episodes ng Pesos and Sense. Tapos doon sa online broker recommended nila ang Colfinancial so pumunta ako sa website nila tapos ginawa ko lahat ng requirements nila. Super-eager ako na makapagsimula na hanggang ang pinapanood ko sa Youtube is about investment na sir. Yung eagerness talaga ang nag push sa akin na pwede pala ako yumaman in the future kasi sir laki ako sa pamilyang mahirap kaya ang pagiging mayaman ang palaging inaasam.

What are the obstacles that came along the way?

Siguro yung pinaka mahirap lang is yung 1st year ko sa pag iinvest. Kailangan ko epull-out ang initial investment ko kasi namatay ang mama ko and that time kasi nahuli ang Emergency Fund ko ng ipon sa sobrang excited (which is mali), after that sabi ko hindi ko tatapusin ang taon na hindi ko matatapos ang goal ko na amount every end of the year.

What are the assets you have in your Portfolio? How did you diversify your fund?

Ang hawak ko now are Stocks: Double Dragon and Megaworld worth of 200,000 plus then Mutual Funds worth 75,000. I didn’t put a lot of money muna sa stocks kasi may business din ako na pinapalaki sir lending (3-8%) every month yung kita doon minsan dinadagdag ko sa portfolio ko.

What is the status of your Portfolio right now?

Actually loss siya now nang 5% pero hindi naman ako nag wo-worry kasi long-term investor ako and masaya pa rin ako dahil imaginin mo from 0 investment, 0 savings, ngayun kahit makita mong loss I can't deny to myself na proud pa rin ako dahil inspite sa maliit na sahod, I can manage to save at least 100K  every year at alam kong hindi na ako maghihirap kasi yung habit sa pag-save at pag-invest ay nasimulan ko na. Mahirap po sir ang maging mahirap and no plan to sell my stocks until mag 50-60 years old ako.

Do you have any other plans for your Portfolio or adding investment instruments?

My Portfolio is for my retirement talaga na sa pagtanda ko hindi ako ma mroblema sa kakainin ko or worst sa maintenance nang mga gamot ko and gusto ko magbakasyun nalang and No plan to be an employee until 60 hahaha! Sa ngayun may hinuhulugan akung VUL sa Sunlife 6,700 (quarterly).

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How I Escaped From Being Broke to Become an Investor

"I was so broke that countless times I skipped meals and didn't   pay jeepney fares"

My story is not my bragging right to share to others but perhaps it will  inspire those who experienced and still experiencing lack in life.

Few years ago, I can still remember those times that I was enduring a tough life. I was caught off guard! I had a job, I didn't have vices, but I was financially broke. I was so broke that I had to skipped meals and never paid jeepney fares,countless times... I could not imagine the feeling of going to my destination empty-handed. All I  I could do was just make a poker face.  I was always praying that the driver would be too complacent so I can sneak out...If I was caught, my life would be in jeopardy. Many times I had to walk long distance to reach places and had to live with 10 people in one small room...I dreaded those days! Looking back, I promise myself not to go back to that life, AGAIN!That was like a bad dream.


Finally, I found a way out and I was able to escape! Being broke does not just happen overnight! It is a process and for us to escape it is to change our lifestyle and fill in the loopholes. Are you broke? You better read this!

Money Mistake #1: I did not Save Earlier.

Saving is my daily habit but few years ago that was a little alien to me. I hate budgeting before and saving was just an elusive dream. Only moms do that, I am single who cares. But when unexpected expenses and emergency happened, I came to my senses. I suddenly realized the importance of Emergency Fund.  I finally believe what Zig Ziglar said," Money is not everything but it is relatively close to Oxygen". We appreciate something when we needed it the most.

Action Taken:

I went back to basic and practiced saving starting from baby-steps with one thing in mind, " Do not save what is left after spending but spend what is left after saving". I made it my mantra and I made saving as my top priority. I always set aside an amount when I earned something, usually 30%. Being "Kuripot" is not a bad thing as long as you will not deprive yourself with things that are important. 

Income - Savings = Expenses... and this is the right formula

Money Mistake #2: Unnecessary Spending.

I did not take seriously that little but misguided spending could affect my finances.  I wasn't even bothered to think if what I was going to spend is a "need" or only my "want"... A little ticket in the cinema, a little amount for an expensive coffee, and few beers can come up to a big amount. I was a movie person and part of treating myself is to always go to the cinema. I love the sounds, the screen, the place! When I was in the mall, the door of the cinema is always calling me, "Hey Arn, get inside"! Little did I know that it was already part of my destructive spending. Earning money takes 15 days but to spend it  will only take few minutes.

Action Taken: 

I identified "NEEDS' VS. "WANTS' then I categorized them. 'Needs" most of the times are all followed urgently and "Wants" are all validated and given a timeline. When I got into investing, my saving habit orchestrated with it. I have something to look forward to. So the more I saved, the more I have the opportunity to invest. That excites me! I suggest you start investing the time that you start saving because the two goes hand in hand!

Money Mistake #3: I was a One Day-Millionaire.

I had an attitude of a one day millionaire, my mentality before was to treat myself first. For me treating myself means gadgets and gadgets! I sold our property years ago and I bought it some gadgets and computer. After a year, I sold it with a very low price because I had to pay my other debts. It did not happen just once. It became a bad habit. 

Action Taken:

I just realized that treating yourself first and Paying yourself first are two different things. Treating yourself means, buying valuable things to make you happy and look good, or going to a vacation. Paying yourself first,on the other hand,is, setting aside a small amount, to save for the future.

Money Mistake #4: I couldn't refuse Borrowers

That was my struggle, I did not know how to refuse especially if that is my relative or a friend even though many times I knew for a fact that the money is intended for a week-budget. I just realized now that it was already a form of pride! Pride because I wanted others to know that I have more than enough. 

Action Taken:

I decided to refuse borrowers especially if I am on a tight budget and at the same time I also made a commitment not to borrow if not necessary. Now, I am setting aside some an extra amount for things like this for somebody who will borrow. It is nice to help someone without thinking of when she will return it because those are only extra money. 

Money Mistake#5: Poverty-Mindset.

I grew up in a working-class family. I grew up in a poor neighborhood. I was having hard time managing money. I did not think much of saving and investing. So when I earned something, I spend it to the last centavos. I wasn't brought up in a financially-oriented family so I had already a negative impression on money. All I know is that money is earned today and I will spend it tomorrow.

Action Taken:


I sought mentors and engaged myself with fellow investors. I found out through personal finance seminars that poverty starts from the mindset, so me being broke was just a limitation I put to myself. So things had change since then. My entire persona was transformed. I always believe that being in a very supportive support group helped me changed my perception from the inside out. I engaged myself both Financial and Spiritual initiatives nowadays. My Victory Christian Fellowship ( VCF ) family are always there to guide me and opened doors for me to have a harmonious growth in all aspect.



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A Former OFW to a Multi-Millionaire

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Do you want a piece of inspiration? We have heard stories both good and bad about our OFW kababayans. One thing for sure and still undebatable,  they've done something to our nation that we have to be proud of forever. Kudos to our kababayans! They deserve a very bright future after their long toil away from home!

 However, handling money for most of OFWs have been a challenge. I knew many friends who went abroad and end up broke. That was the sad part, but few have stood up and made a difference. Thinking long-term pays off! Here's the story of Mr. Lambert Aquino, a former OFW. He posted it in Traders Empire, An Fb Group for investors and traders.

 "Share ko lang yung story ko baka sakaling maka inspire sa iba lalo na sa mga OFW na nagpapakahirap sa ibang bansa para sa family. High Shool graduate lang ako kaya at the age of 20 nakipagsapalaran na ako sa ibang bansa para kumita ng pera at para makatulong sa magulang. I worked in Riyadh, Saudi Arabia for 30 years as a baker, mahirap talaga kumita ng pera kaya naging matipid ako at nag ipon ng nag ipon.

 (I just want to share my story perhaps it will inspire others especially OFW's who are working so hard abroad for their family. I am only a high school graduate, at the age of 20 I went abroad to earn and to help my parents. I worked in Riyadh, Saudi Arabia as a baker for 30 years. It was hard to earn so I saved regularly) 

 Last 2005 tumigil na ako dito sa atin sa Pinas, nakapundar ako ng bahay para sa magulang ko at sarili kong bahay para sa family ko. Sa 30 years ko sa Saudi, 2 Million pesos ang naipon ko at naisip ko dapat may pagkakitaan ako para di to maubos basta basta na lang. Nagtayo ako ng maliit na bakery dito sa amin parang Kambal Pandesal or Julie's Bakeshop ang dating, almost 500K ang naubos ko. Bale 1.5 pa natira sa savings ko, naisip ko na dapat may retirement funds ako para di ko na poproblemahin ang monthly na gastusin pag senior citizen na ako. 

 (Last 2005 I retired as an OFW and stay here for good. I was able to build a house for my parents and for my own family. Within 30 years in Saudi, I was able to save 2 Million pesos and I was thinking of something which I can earn or else I would just be spending my hard-earned money. I established a small bakery in our place (similar to Kambal Pandesal or Julie's Bakeshop).I spent 500 K, so all in all, I have a remaining 1.5 Million pesos savings. I was thinking that I have to have a retirement funds so that I have something to spend for my maintenance when I become a senior citizen.)

 Nag research ako sa internet regarding investment, ayun si COL Financial ang nakita ko, medyo nag aalangan ako kasi alam ko mga mayayaman lang mga nag iinvest or yung may mga magandang natapos na kurso. Umattend ako ng free seminar nila, bago ako pumunta nilista ko lahat ng gusto kong malaman. During seminar, nagtanong talaga ako ng nagtanong dun sa speaker, halatang wala akong alam. Haha! After ng seminar, ayun naliwanagan ako. Hindi scam/pyramiding ang Stock Market, nalaman ko rin na pwede akong mag invest dun sa mga kilalang companies. 

 (I did the research about investments and COL Financial popped up, I was hesitant at first because I'm aware that only rich people and professionals are investing in the Stock Market. I attended their free seminar. Before I went there, I listed down all that I want to know. During the seminar, I asked all of the possible questions. It was very obvious that I did not know anything; but after the seminar I got it already. Stock Market is not a scam or pyramiding, I also learned that I can invest in big and popular companies) 

To Learn more about Stock Market, You can read it here Getting Started in the Stock Market

 A month after nung seminar, nag open ako ng account sa COL, I decided na yung 500K iinvest ko then yung natirang 1 Million is saving/emergency fund. Isa sa natutunan ko during the seminar, dapat bilhin mong stocks eh yung company na kayang tumagal ng more than 50 years at talagang tinatangkilik ng mga tao ang products nila tulad ng bakery, umulan umaraw bibili sayo ang mga tao basta masarap lang ang tinapay mo. 

 (After a month, I opened an account with COL Financial. I decided to invest 500 K and then 1 Million pesos as my emergency fund. One thing I learned during the seminar, I need to buy stocks of the companies that can last for more than 50 years and people should enjoy their products continuously like bakery. Anytime people are buying as long as your bread is delicious.)

 Ayun, hinati ko sa dalawang stocks yung 500K. Bata pa lang ako madalas ko na makita sa advestisement at TV commercials yan sila at madalas din kasi bilhin ng mga tao ang products nila. in short in demand sa kahit anong edad/estado sa buhay-mayaman ka man o normal na tao. 

 (I divided the 500 K fund on two stocks(Jollibee and Universal Robina Corp.I already saw them on advertisement and on TV commercial since I was young and their products have been household names. Their products are very in demand, to any ages/ and status) 

 Last September 10,2016 was my 60th birthday and this year din ang 10th anniversary ko sa stock market, 10 years ko ng hawak yan sila at subrang happy ako that I made the right decision10 yeas ago. Plano ko na ipa transfer sa anak ko yung account dahil ayokong bitawan sila dahil naniniwala ako after 50 years bahagi pa din sila ng pamilyang Pilipino." 

 (On September 10,2016 was my 60th birthday and also my 10 anniversary in the Stock Market. I keep my stocks for 10 years and I'm so happy that I made the right decision 10 years ago. I'm planning to transfer my account to my child since I dont want to sell my shares because I believe that after 50 years, these companies will still be part of Filipino family)

(PS: Dummy account gamit ko for safety reason, pero yung real account ko ay member din                 dito.) 

 There's only 1% of Filipino population who are investing in the Stock Market today and sadly they missed a very good opportunity. My challenge to the OFWs is to take advantage on this and put you're hard-earned money that can grow exponentially and can last long.

 I'm an avid fan of delayed gratification and it also shows up on my investment plan. My goal is to retire after 20-30 years and most of my stocks are for long-term. I have few for short-term but I made sure that when I gain a profit, I reinvested it for my long-term stocks...Just like Mr. Lambert Aquino, always think of something long term,What would be my life after 10 years-20 years from now? In my previous blog, you can also read my story on How I made my First Million in the Stock Market.

 What you will do today will impact your life in the future...

 If you're inspired of his story, here are the data that you can also see ( I have these stocks in my bucket):

 credit to the owner

 UNIVERSAL ROBINA CORP. (URC ) a Blue-chip stock and considered as one of the top companies in the country and have long been proven as a very stable organization for decades of its leadership in business.

credit to the owner

 JOLLIBEE FOOD CORP. (JFC) another Blue chip stock which has become part of the Filipino consumers. It is a growing company and now extending outside the country.


Related Articles:
How I Made My First Million in the Stock Market

Best Books for Investor-Wannabes

Stock Market Ka Ba? Kasi ang hirap mong Intindihin! Ganern

Start Now Not Later! Here are the Reasons Why...

Do you want to learn how to become a Successful Investor?

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