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Member of the Month (October 2014): personalfinanceapprentice

FutureGizmo · 19 · 11645


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Every month, the PMT Forum honors one outstanding member of the PMT community to be awarded as the "Member of the Month".

Our "Member of the Month" is chosen among members who are seen as consistently active, dependable, insightful, and friendly in the forum. He or she, therefore, may be considered as a genuine role model in our forum community. For us to know better our "Member of the Month," we request our awardee to answer a few questions. Other members of the forum may also post in this thread to ask our MotM questions.

Our October 2014 Member of the Month is
personalfinanceapprentice! Congratulations! :yehey:

October 2014 Member of the Month: personalfinanceapprentice

1. Hi personalfinanceapprentice! How long have you been a PMT Forum member? Share to us how you discovered PinoyMoneyTalk.

- Been a member since Dec 2011. Obviously i came here just to shamelessly plug my blog:D

Most likely I was googling investing topics, found PMT, then saw the forum.

2. Why did you choose the username "personalfinanceapprentice"? 

- Mostly because I'm lazy and suck at picking names.

I was going something short, to the point, and rather catchy if not memorable. I ended up with that. go figure.

And then I ended up using that all over, instead of just the blog.

3. What are your hobbies or special interests?

- Not much. Watching movies at home, following the NBA, reading about investments/economics/finance, and recently some gardening.

4. Tell us something interesting that we don't know about you.

- Well, there's a lot that's probably unknown, but I'm not sure anything's interesting.

I'm an IT graduate, but would rather have non-IT business than continue to work in IT.

I'm in favor of "conservative" investing - cost-averaging over the long-term. But I make speculative trades (though not short-term).

I've lived in the city my entire life, and would rather not move out of the smog-filled metropolis. But I'm thinking my ideal retirement is on a farmhouse (with internet access!)

5. How is personalfinanceapprentice in PMT different from personalfinanceapprentice in real life?

- I'm more agreeable in person than online.

I also rarely offer any advice in real life, but my online persona is a little preachy (hey, I tried not be, it just came out that way. maybe it's compensation behavior)

6. How do you make money? Share to us your sources of income so we can be inspired as well.

- Mostly from my job and investments (stocks, TDs, uitfs).

I'm trying to "expand" but so far have not been able to start a business. I've only been making small change from  answering online surveys, recycling, and occassionally selling some stuff.

7. Can you tell us tips or suggestions that guide you in order to succeed financially?

- Pay your credit card right away. Don't wait for the statement, just keep your receipt and pay it online.

Pay yourself first.

New isn't always better, branded isn't always better, the more expensive item isn't always better.

8. What is your ultimate personal goal that you want to achieve?

- Have my own business, be able to either pick my hours or work part-time, and spend more time with my family.

A big house and a nice car would be nice too.

9. If there is one thing you can change about the Philippines, what would it be and why?

- Either the political system or the level of financial literacy.

Obviously a lot of what's wrong can be traced to corruption. We might curb some of that by having a more party-based system rather than a personality-based system.

Or if we raise the financial literacy, maybe more people will be disinclined to sell their votes.

10.Your motto or guiding principle in life?

- I'm not sure there has been a specific one my entire life. But currently I'm trying to live by "Focus on what you can do"

Wait, there's more! Just for the heck of it...

a. Favorite movie?

Mannequin 2! hahaha not really, though I watched it twice (or maybe thrice) despite being so bad.

b. Favorite song or music genres?

post-grunge/hard rock or the 90's alternative opm

c. Favorite actor/actress?

- no one, really.

d. Favorite sports?

- basketball.

e. Beach or Mountain?

- Garden!

f.  Kapuso, Kapamilya or Kapatid?

- Star World! (pero ABS kami sa bahay)

g. Mar Roxas or Jejomar Binay?

- Duterte! ayaw niyo ng hulidap? gusto niyo ng peace and order? Duterte + Lacson, tiklop lahat yan. Pero kahit defensor+poe papatulan ko. Mas ok sana Gordon+poe or Gordon+Defensor, pero mukhang malabo yun.

h. Money or fame?

- Bayong! joke lang, pera na.

i. Marry intelligent but ugly person or marry stupid but beautiful person?

- stupid but beautiful. wops, ano daw? eh pano, pwede naman pag aralin na lang, kung "be loved" nga niya ko. Mas mura pa rin naman ata matrikula kesa belo.

Tska married nako, so balewala na. naka jackpot nako eh, no need to compromise.

j.  To love or be loved?

- Be loved.


Thanks and congrats again, personalfinanceapprentice! :clap:

PMTers, congratulate our October 2014 Member of the Month (MOTM)! If you have questions for our MOTM, fire away!  :applause:
« Last Edit: Oct 01, 2014, 03:48 PM by FutureGizmo »


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congratz  personalfinanceapprentice..


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although di ko yata sagot to...
"Fortunately I was able to save and eventually team up with some people I met and became a 3rd party service for the equipment.
Now, I am invested in stocks and UITF. I have a couple of businesses, medical related altho I'm not a doctor, mostly as a passive partner. So basically it's HARD WORK and OPPORTUNITY."

I remember reading this in one of the threads; but I'm not sure how it got mixed in there.


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Allowed me please to congratulate you personalfinanceapprentice   :applause:

Job well-done!

I'm been stalker with your blog lately  :hihi:


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Congrats personalfinanceapprentice!  :applause:

nice blog... magiging regular reader mo na ako ngayon  :cool2:


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Congrats po  :applause:


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Thanks! :D


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although di ko yata sagot to...
"Fortunately I was able to save and eventually team up with some people I met and became a 3rd party service for the equipment.
Now, I am invested in stocks and UITF. I have a couple of businesses, medical related altho I'm not a doctor, mostly as a passive partner. So basically it's HARD WORK and OPPORTUNITY."

I remember reading this in one of the threads; but I'm not sure how it got mixed in there.

Edited na. Sorry, forgot to delete that when copying the template of the questions.

Congrats again! :)

PMT members, continue posting your messages here and if you have something to ask our October Member of the Month, fire away!


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Congrats Sir!

Napatawa naman ako dito Mas mura pa rin naman ata matrikula kesa belo.



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Congratz PFA!


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Congrats Sir!

Napatawa naman ako dito Mas mura pa rin naman ata matrikula kesa belo.


hehehe thanks!


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Congratulations  :cool2:


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wala pang nagtatanong ah :)

sa ngayon kasi balak kong magkaroon ng insurance na related sa health kaya ang tanong ko na lang ay: anu anong insurance meron ka? if meron, gaano kahalaga at bakit kailangan mong kumuha ng insurance?


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