Retire Rich

Saturday, July 11

Trade Walkthrough Series: Trade#1 $RFM

In this blog, I will be sharing with you how, I traded $RFM. From the selection/filtering process of this stock, the reasons to buy and the reasons to sell. I will be running a series of Trade Walkthrough blog to all 30 trades that I'm going to make. At the end of 30 trades, I will assess my performance and overall result. This is how I learned from Traders Den when I was a TDS student back in 2022.

Speaking of being a TDS student, above is a glimpse of all the assignments, activities and tasks given to us to fulfill before Traders Den will admit you as a student. During my time, I'm lucky to be one those who's been taught for free. I'll be forever grateful to Traders Den. Maraming salamat po sa learning.

Selection Process / Filtering

So, I used CALMA strategy to filter / select stocks by looking at the following parameters:

Price should be above the ALMA line.
CCI line is pointing upward and about to cross the 100 CCI line level.
Volume, preferable if it is increasing and above average and above 1 million.
Risk measured from intended buy price to nearest ALMA line break of the price should not be more than 5%.

Once a stock qualifies all the above listed parameters (just like the screenshot above), I will mark this stock and keep in watchlist feature of InvestaTrade. Simultaneously, I created also a watchlist in MyTrade and include the stock. Since $RFM and three other stocks qualified the parameters, I included them in InvestaTrade watchlist and below MyTrade watchlist.

Why I keep these stocks in both MyTrade and InvesTrade watchlists?

1. To easily navigate and click these stocks whenever I wanted to re-check their qualification of the parameters and if its time to buy at EOD.

2. To monitor the TOP price in MyTrade watchlist so that I can enter my bid 1 tick above the TOP price to make sure that I will be able to buy shares at EOD price.

Once, I entered and bought 1400 shares of $RFM, I used to check if there's sell signal only at EOD while keeping in mind that last 7 July was the Ex-date of dividend for $RFM.

On 6 July, a day before ex-date, the sell signals appear at EOD. Nag-uunahan na kasing mag-exit dahil ex-date na kinabukasan. The tricky part is that nag 5.70 pa ang price before mag trade at last. The closing price was revealed at the TOP price (5.64). So, I bid for the flooring price and exited the trade. Sold at 5.64.

Trade Result

So after closing the trade regardless of the result, just take the lesson learned, journal the trade and move on. I recorded the trade on PL Trades (online journal) and then my excel journal. A laughable 72.67 pesos gain is the result. But I traded well, by following my strategy.

Why I'm doing all these?

Ang hirap kaya mag trade, mag journal, tapos mag blog at videos pa about all these things tapos ang liit naman ng gain, lugi pa nga minsan.

So, obviously guys my reason is not to brag. My reasons are the following.

To share what I learned by blogging and making videos about it is to journal and document it. And by doing so, it allows me to re-check and double check what I'm doing and it added to my learning.
Sharing is caring. Sana may natutunan din yong nanonood or nagbasa ng blog na ito.
Learning trading or investing in the stock market is part of my broader learning to convert my earned income (ordinary income from my job) as an OFW to Portfolio Income (income from paper assets like stock shares, bonds, UITF etc.) and Passive Income (income from real estate like rental property).

"Basic Rule# 2 - The goal is to convert ordinary earned income into portfolio or passive income as efficiently as possible according to "Rich Dad's Guide to Investing book" by Robert Kiyosaki.

I wanted to retire and go home for good as an OFW from nothing to something. Ayaw ko sanang matulad sa ibang OFWs, hindi naman lahat, pero umuwi na walang-wala pag dating sa Pilipinas at ang masaklap ang iba ay tinalikuran pa ng sariling pamilya na mismong tinutulungan ng OFW habang nasa abroad pa siya. Ang saklap.

Kaya samahan ninyo ako sa journey na ito kung paano yumaman by converting our income as an OFW to build portfolio and passive income to replace our OFW income and go home for good na merong alternative source of income. Also, I will share with you guys how I started a Vulcanizing Shop business in 2024 while I'm working as an OFW and my plan to acquire another business (carwash) this year 2026. Cheers!

Stocks Screening - 8 July 2026

Rey Tecson Stock Trading ,

So, today I've filtered some stocks to trade from the PSE and we found six stocks that showed potential buy signals. As usual, I used the CALMA setup to screen and filter the stocks. This set-up is a combination of ALMA and CCI indicators. The time-frame used is weekly. This is a swing trade strategy.

To those who want to learn about this set-up you may watch the video playlist that I made in my YouTube channel.

Below is the recorded video of the stocks screening I did earlier today, 8 July 2026.

$RFM Nagkabuhusan before Ex-date kaya nauna na ako

Rey Tecson Stock Trading ,

In my previous post, I wrote about preparing to exit the trade on Wednesday, 8 July thinking it's the ex-date but actually it is the record date. So, let me correct myself, dapat sa 7 July ang plan to exit, however at EOD on Monday ay nagkabuhusan na at ang closing price ng $RFM on a daily time frame is 5.64 from 5.70.

So, no-choice kundi nag exit na din ako to avoid more damage sa maliit kong portfolio. Protect your capital at all times ika nga. Napaaga tuloy ang exit.

Muntik pa nga madisgrasya, if you look at the above screenshot, my first order was rejected because I'm late to click the sell button. The timestamp showed my order time is at exactly 14:50:00 grabe!! Sumakto talaga sa time na ang order na pwedeng pumasok is yong similar lang sa closing price which is 5.64.

Glad that there still buyers at 5.64 pesos, that's why I still got the chance to exit at the same price. Dahil on the following day, Tuesday the price plummeted to the lowest of that day at 5.57 pesos. Although, I did not lose but I will not be able to get the dividend. Sayang din yon.

So, till the next trade ulit.

My first Buy after Almost Two Years Hiatus on Stocks Trading

Rey Tecson Stock Trading ,

On June 15, I bought my first shares of stocks after two years na nahinto sa stocks trading. I did the same routine where I left off two years ago. Like filtering stocks using the strategy I'd like to use and CALMA. If you want to know more about this strategy click this playlist on my YouTube channel the guide on how to use this strategy.

So, this is the screen shot of the transaction. Just a small amount of shares just to start live trading once again. At nangangapa talaga ako. I need to rewatch those videos on how to enter at EOD to make sure you will be able to buy.

The buy signals to look for, before entering a stock position using this strategy are the following:

Price should be above the alma line when you buy.
The risk should be maximum 5 percent.
Volume should be at least above average.
CCI pointing upward and about to cross +100 level.
Volume should be minimum 1 million.

This is how the chart look like the day I bought shares of this stock.

Luckily, the stock price moved up after I bought shares, but I'm very cautious about this trade because if you look at it, there's upcoming dividend. The ex-date will be this coming Wednesday 8 July.

So, I planned to exit this during that day at the opening price to get also dividend. Why I planned to exit on this day because usually a stock price plummets at the ex-date as many investors who entered just get dividend get out of the trade and look for another opportunities.

So, let's see on Wednesday, if I will be able to come out unscathed on this trade and hopefully come out gain. But the main objective is to trade well, by executing the plan associated with the strategy. Stay tuned. Update ko kayo sa resulta.

Back to Writing Blogs, ang Hirap mag Vlog---Sobrang magastos din!

Rey Tecson Opinion ,

In the 80s, if you are a business owner and you wanted to advertise your business or brand, all you need is a prime time TV ads. It's expensive though. In the 90s all you need is a website. Every business has a website. Businesses need its presence on the new creation---the internet. But it's difficult to set-up and maintain a website that only big companies can afford.

In year 2000 as the website creation becomes easier and affordable, all you need is to blog. Many personal blogs gain popularity at the time and became a full blown website that have diverse functionality. In 2010, all you need is a YouTube channel.

I'm hooked from blogging since 2011 and then experimented making vlogs in 2020 to cope up with boredom during those lockdowns brought upon by the pandemic. Creating videos and posting it on YouTube was doing great during the pandemic.

Daming views, ang bilis ko na monetize. But it's not easy to make videos. Apart from writing, research, you have to talk also and film yourself in front of the camera. At kapag hindi ka comfortable sa harap ng camera napa ka awkward talaga nitong gawin.

Especially, if the topic is more about opinion. I'm not used to voicing so much of my opinion. That's why, for me, I like to make video tutorials sa YouTube. I noticed that most views came from my video tutorials about stocks trading.

Then everything becomes more complicated when I learned more about video editing. Damn! It came to the point that I became sick. I've got a type of syndrome that's very expensive. It ruins my discipline to save and invest. They called it GAS. Gear Acquisition Syndrome.

Ang dami kong biniling gamit sa pag gawa ng YouTube videos, na akala mo gagawa ako ng pelikula. I burned a lot of money buying gears, subscribing and buying editing software.

My GAS started when make videos for YouTube in 2022. I have a DSLR camera that I got back then in 2010 when digital photography was the trend. Although my Canon 1100D has video mode but it is intended talaga to take photos. This camera don't have a auto-focus when taking videos.

So, I bought a camera having a flip screen (for vlogging) and auto focus. Umpisa ng gastos! Then here comes the need to buy the lightings, the tripods, the SLR microphone, the IKEA table, the Mac computer for video editing, the audio interfaces, the switcher, the list can goes on and on and I earn few dollars only. What a pity. Ngayon nakatiwang-wang na lang.

KAYA FOCUS NA LANG AKO SA BLOGGING BAHALA NA KAYO MAG-BASA HAHAHA!

Back to Stocks Trading as I'm preparing for Retirement - Akala ko Katapusan Ko na!

Rey Tecson Retirement ,

I just got back to stocks trading once again and executed my first "buy" ever on 15 June since almost 2 years of hiatus. At sobrang nanibago talaga ako at nangangapa sa execution. I visited the videos I made on how to enter during EOD just to execute the entry properly. So far, slowly but surely I'm getting there to where I left off last December 2024.

My first buy was $RFM. I selected this stock out of three stocks that I filtered during this stocks screening that I did. You may watch it below.

During these almost two years na hindi ako nag trade, I was very busy then naman on some other things like setting up my small business, travelling to two countries and then reading again a lot of books about real estate in preparation to my plan to go home for good to the Philippines maybe in two to three years time.

I also realized lately, that it is not just really important to start saving and then investing at an early age, but it should be consistently done also. Although, I started investing in 2015, I felt at that time that I'm to late to start because I'm already 38 at that time and had been an OFW for already 9 years at that time. Pero wala pa din ipon at that time. Anyway, if I did save and invest consistently even in 2015 kahit 5,000 pesos a month, that 11 years ago, and that's roughly 120 months. So, meron na sana akong Php 600,000. At a rate of 6 percent per year compounded the amount will probably be as what is shown below table.

It shows USD in the table for computing purposes lang naman yan dahil yong online calculator ay USD yong kanyang unit. Obviously, peso lang po ang ibig kung sabihin nyan.

So, with all those erratic savings and investing from 2015 kahit papano meron pa rin namang naipon kahit papano. There's a lot of factor naman kasi as to why we cant consistently do it. Andiyan yong what if I die tomorrow? hahaha eh di si kumpare ang magbibilang ng naipon hahaha! Then there's some disruption because of changing financial circumstance. When your kids start going to college. Malamang walang matitira sa sahod.

Well, kahit ano pa man daw changes ng financial circumstance, you should not stop saving and investing. For as long as you are working and earning, you must set aside for your future self. Because time will never go back once spent. Even a small amount goes a long way. To all OFWs, we will not be working all the time. Time will come we will get old and our body will tell us to stop, or our jobs will no longer need us, or our boss no longer need us.

Last week, akala ko katapusan na ng working career ko. As an HR Officer, I knew the termination script by heart: the gentle, measured tone, the sliding of the termination order, the obligatory offering of a tissue. I was handling exit interviews, and guiding others through the worst days of their professional lives.

It was a Tuesday afternoon when my desk phone blinked. It was my HR Director.

"Could you step into my office for a moment?"

When I walked in, the glass blinds were drawn tight. A single, folder sat perfectly centered on his desk. I felt a sudden, cold weight drop into my stomach. I knew the choreography of this room far too well.

The HR Director sat with his hands clasped, wearing the exact same mask of practiced corporate empathy I usually wore myself.

"Remind me," he began, his voice softly modulated.

"How many years have you been with us now?"

"Nine years and ten months," I replied, forcing my voice to stay steady.

"Just two months shy of the ten-year milestone.

" He didn’t smile. He looked down at the folder, then back up at me.

"You know the market has been unforgiving lately. The management has made some difficult decisions regarding our operational costs. I'm afraid the company is restructuring. We're downsizing the department, and your position is being eliminated."

The clinical language washed over me, but the reality hit like a physical blow. Downsizing. Panic immediately clawed at my chest. I'm forty-eight years old. I am nowhere near ready to retire. My mind raced through a terrifying inventory of my finances. My savings account is a shallow puddle, continually drained over the years by a staggering tuition fees for my kids.

I never had the surplus income to build a diverse investment portfolio or a safety net. I had bet everything on this job, banking on the stability of my salary and the assumption that I would ride it out until a quiet, properly funded retirement at least at fifty-five. I knew the termination policy. At ten years, employees were entitled to a significantly larger, vested termination package. If it is resignation, tt nine years and ten months, I would receive the standard minimum.

"Sir," I started, my voice cracking as the armor of my profession fell away.

"I don't have a backup plan. I don't have the savings for this."

He said no way "Rey we are not terminating you. We called you here to tell you that you have to move to the first floor and take my old office there. Your office at the ground floor will be given to the newly hired that will join next week"

A sigh of relief, my boss was just joking at me. I left his office still can't believe what just happened. I imagined what if it is true? Anong gagawin ko? Napa-isip ako ng malalim that night. I promised to myself that I should be ready and be consistent in saving and investing from now until my last working day. Hoping that whatever I saved, I will invest in a security that will make my money secured and the same time that money will work for me replacing my income to pay the cost of my living. Pero paano? Samahan ninyo akong hanapin ang sagot sa tanong na yan sa mga susunod ko pang mga blog post. Stay tuned.

Watchlist Review | $MRC, $MWIDE, $ALI, $RFM

Rey Tecson Stock Trading ,

Review muna ng mga na screen na stocks at sa mga na trade na din. So, far maganda naman ang ipinakita ng stocks na na screen compared sa general market natin, yong PSEI bagsak grabi.

Virtual trade lang muna

Rey Tecson Stock Trading ,

Update to my YouTube Channel

Rey Tecson Retirement , Stock Trading

In this video I discussed about the reasons why I stopped stocks trading for almost one year, my plan to go back to stocks trading, my business acquisition and other things.

Managing a Business Remotely: Challenges and Solutions for OFW Entrepreneurs

Rey Tecson Business ,

As an Overseas Filipino Worker (OFW), managing a business remotely is a unique challenge. Being physically absent from the day-to-day operations in the Philippines can present hurdles, especially in ensuring that the business runs smoothly and honestly. Based on my personal experience, I want to share a common challenge I've faced and the solutions I implemented to address it.

Challenge: Finding Trustworthy Employees

One of the biggest challenges in managing a business remotely is finding trustworthy employees. It’s hard to gauge someone’s integrity solely based on their resume or a brief interview. Most of the time, you only discover if an employee is truly honest after they've started working in your business.

During the hiring process, I primarily focused on the candidate's experience and ability to perform the tasks required for the position. However, honesty is something that can’t be easily measured in an interview. Unless there are glaring red flags, such as false information on their resume, it's hard to know whether a candidate can be trusted at the outset.

How Do You Know if You Hired a Trustworthy Employee?

In my case, I realized there was an issue with dishonesty when I noticed discrepancies between sales reports and inventory. I conducted a surprise cycle count (inventory check) on a specific item, and that’s when I discovered the inconsistency.

Fortunately, I had implemented a solid inventory and sales reporting system (QuickBooks) from the very beginning of the business. This system allowed me to detect the issue early on, as there was a clear discrepancy between the reported sales and the actual inventory.
Solutions Implemented

After discovering the issue, I took immediate action:

Memo and Warning: I issued a formal memo to warn the employee involved about the incident.
Random Cycle Counts: To prevent future dishonesty, I established a procedure for conducting random cycle counts, in addition to the regular monthly inventory. This random check system acted as a deterrent, making it clear to employees that there were protocols in place to catch any irregularities.

By implementing these measures, I ensured that my employees knew that the business had a strong system in place to track inventory and sales. This helped discourage any future dishonest actions.
Conclusion: The Importance of a Solid System

In closing, no matter how small your business is, having a reliable system to track inventory, sales, and employee performance is essential. This is particularly important when you’re managing the business remotely, as it helps ensure transparency and accountability even when you're not physically present.

For fellow OFWs managing businesses from afar, my advice is to invest in solid processes and systems. Not only will this help in detecting issues early on, but it also sends a clear message to your employees that you’re serious about running a transparent and efficient business.

How I Escaped Living Paycheck to Paycheck

Rey Tecson Investing , Saving

From the beginning of my working career---that was right after graduation from college in 1997 up until 2015, I found myself trapped in a cycle familiar to many: living paycheck to paycheck. The same thing happened even though I was able to work overseas as an OFW in 2006 but still the cycle continues. My situation even get worse while working as an OFW. I came to a point wherein I sold my blood at a blood bank for straight six months (literally blood... the white blood cells or the leukocytes). The constant stress of not knowing if I could make ends meet weighed heavily on me. I knew I needed a change, and that year, I took the first step on a journey that would eventually lead to financial stability.

It all started with a free seminar on financial literacy. I'm forever grateful to OFSI and its team. The seminar opened my eyes to the possibilities of managing money wisely and growing it through investments. It was a turning point in my life. The knowledge I gained motivated me to take action immediately.

OFSI Batch 8

One of the key takeaways from the seminar was the importance of saving and investing. I knew I had to start small, given my limited income at the time. So, I committed to saving as low as 1,000 pesos a month from my salary. It wasn't much, but it was a start. The key was consistency. Every month, without fail, I set aside that money and invested it in the stock market.

My initial foray into the stock market was cautious. I knew little about how it worked, but I was determined to learn. As I invested, I simultaneously immersed myself in studying investing and stock trading. I spent countless hours reading books, watching tutorials, and following market trends. This self-education not only helped me make better investment decisions but also gave me the confidence to stay the course, even when the market was volatile. I even get my hands into stocks trading and that is well documented on my YouTube channel and some of the videos I made were also shared on this blog.

As my knowledge of investing grew, so did my ambition. I realized that financial literacy wasn’t just about investing; it was about understanding all aspects of money management. To broaden my skill set, I started studying business accounting. This knowledge was crucial, as it provided me with the foundation I needed to think beyond just investing in stocks. The book I can strongly recommend to read before you start your own business especially if you are not an accountant is "Finance for Non-financial Managers". It sparked an interest in entrepreneurship, and I began to explore the idea of starting my own business.

By 2023, I felt ready to take the next big step in my financial journey. With the savings I had accumulated over the years, plus the capital from my stocks stocks trading portfolio, and the knowledge I had gained, I invested in a startup business in the motorcycle parts industry. It was a calculated risk, but I believed in the potential of the market and my ability to run the business effectively.

Running a business brought its own set of challenges, but the financial literacy and business accounting skills I had acquired over the years proved invaluable. I was able to manage the finances of the business efficiently, make informed decisions, and navigate the ups and downs of entrepreneurship. Today, my business is thriving, and I have successfully broken free from the cycle of living paycheck to paycheck.

Looking back, the journey wasn't easy, but it was worth it. The key to my success was a combination of education, consistent saving, and calculated risks. Attending that financial literacy seminar in 2015 set me on a path of self-improvement and financial empowerment. By taking small, consistent steps and continually learning, I was able to transform my financial situation and achieve a level of stability I once thought was out of reach.

My story is a testament to the power of financial literacy and perseverance. No matter how small you start, with the right knowledge and mindset, you can break free from financial limitations and build a brighter future. Break the cycle.

Exercise

Rey Tecson Health , Retirement

Today, I challenged myself to exercise daily for one month. The exercise routine is very simple. Five regular push-ups, five wide push-ups, five diamond push-ups, 10 burpees, 10 jump squats. This is composed of 2 sets. I'm doing this routine in the morning after getting up from bed and another one after I arrived at home from work.

Forget about the background on the below picture. I edited in Canva to look nice. The routine doesn't need any equipment. No reason to go to gym. I just deleted the background because my room is disgusting.

Why I'm doing this?

At age 47, I felt that I really slowed down. Not as sharp as before. The nature of my work requires me to sit most of the time. My posture is now molded to a chair. So, I will try to do this routine for one month hoping to build a new habit.

I went back to the basketball court also and started playing basketball to build my stamina.

On stocks trading

I intend to go back to stocks trading this coming January 2025. My trading capital was spent on the renovation of my vulcanizing shop. Hopefully, by January, I can pull out some of the profit from my shop and put it back in my trading account. Inshallah!

Then and Now - Vulcanizing Shop

Rey Tecson Investing , Retirement

Then

Now

As a first time start up business owner, there's a ton of improvement I wanted to implement right away. But it could be overwhelming and stressful. So, I slowed down and enjoy every small details of the process. Continue stirring to create ripples and hopefully I can brew waves in the process.

Slowing down business improvement in a startup allows me to savor each step of the journey, fostering deeper learning and creativity. By taking time to reflect, I was able to make more thoughtful decisions, reducing costly mistakes.

This approach also encourages stronger relationships with customers and my team, as there's more focus on meaningful interactions rather than rushing growth. Enjoying the process cultivates a positive work culture and prevents burnout, ensuring sustained passion and energy. Additionally, it provides space for innovation, allowing the business to evolve naturally rather than forcing rapid changes that may not align with its core values.

Retire Rich

CALMA STRATEGY COMPLETE GUIDE

Saturday, July 11

Trade Walkthrough Series: Trade#1 $RFM

Selection Process / Filtering

Trade Result

Why I'm doing all these?

Wednesday, July 8

Stocks Screening - 8 July 2026

Tuesday, July 7

$RFM Nagkabuhusan before Ex-date kaya nauna na ako

Sunday, July 5

My first Buy after Almost Two Years Hiatus on Stocks Trading

Back to Writing Blogs, ang Hirap mag Vlog---Sobrang magastos din!

Saturday, July 4

Back to Stocks Trading as I'm preparing for Retirement - Akala ko Katapusan Ko na!

Tuesday, August 26

Watchlist Review | $MRC, $MWIDE, $ALI, $RFM

Monday, August 18

Virtual trade lang muna

Sunday, September 29

Update to my YouTube Channel

Sunday, September 15

Managing a Business Remotely: Challenges and Solutions for OFW Entrepreneurs

How Do You Know if You Hired a Trustworthy Employee?

Friday, August 23

How I Escaped Living Paycheck to Paycheck

Wednesday, August 21

Exercise

Why I'm doing this?

On stocks trading

Then and Now - Vulcanizing Shop

Then

Now

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