Noypi Business

PARA SA MGA OFW, STUDENT, HOUSEWIFE, EMPLOYED, UNEMPLOYED... PLANPROMATRIX URGENTLY NEED DATA ENCODERS (Typing job)

2016-07-13T01:23:00.004-07:00

PARA SA MGA OFW, STUDENT, HOUSEWIFE, EMPLOYED, UNEMPLOYED... PLANPROMATRIX
URGENTLY NEED DATA ENCODERS (Typing job)
pa type type lang legit in sure ang kita..No quota, No limit at walang oras naka dipende pa sayo kong what time mo gustong mag work
- hanap mo ba legal at sure payout ung daily payout? sawa kana ba sa scam? Di ka marunong mag invite pero gusto mong kumita at mag ka pera? Baka eto na sagot sa problema mo ,
HOMEBASED JOB AND BUSINESS
ito lang gagawin mo daily at kikita kana kahit nasa bahay ka lang!

TYPING CAPTCHA DAILY WORK
- Earn by typing worth $200-$300 every month! PPM Data Entry is a workforce management that provides data entry services to private and governmental institutions. Our main goal is to support our client's digitization requirements by converting scanned papers into editable digital documents. Having our own PPM captcha data software and server, our goal is to be the largest Online Captcha Data Entry Work Provider here in the Philippines and all around the world. We are currently looking for typers from around the globe. All you need to do to be able to work with us is a computer with an internet connection and the ability to type at least 30 Words Per Minute..Our schedules are flexible. You can work at any hour that you want and for as long as you please. The quicker you type, the more earnings you receive.
- mayroong computer / laptop
- mayroong internet connection
- home based
- no working hours
- unlimited workloads
-type and type then earned

ELOADING BUSINESS
- 1 sim loads all network.. =Call Cards=: Smart Buddy, Talk'N'Text, Globe Prepaid, Touch Mobile,=ELOAD= Smart/TnT, SmartBro, PLDT, Cignal, Globe/Tm, Sun Xpressload, Meralco Kuryente Load, Internet Cards, Game Cards, and OTHERS...
-be a dealer
-rebates every end of the month and every purchasing loads
-free unlitxt to all networks using our webtool
- unli activation codes for sim retailer, now your P600 can turn into P2,000 every without having any referrals..
- sell load via webtool or gateway
I'm offering a homebased job and business at the same time at very affordable capital 600 pesos only onetime payment lifetime membership.

-may business permit ,dti registered
-safe
REQUIREMENTS:
Pc/ laptop
P600 pesos (for the account includes,software, dashboard and eloading business
Valid ID
INTERNET CONNECTION
(note) 600 pesos registration for openminded only walang sapilitan , this is for your account and software which u can use for all transaction.

Big dreams starts from "YOU" but your success will start by simply joining US.

See below proof:

Click Here to join.

PARA SA MGA OFW, STUDENT, HOUSEWIFE, EMPLOYED, UNEMPLOYED... PLANPROMATRIX URGENTLY NEED DATA ENCODERS (Typing job)

2016-07-13T01:23:00.003-07:00

Click Here to join.

PARA SA MGA OFW, STUDENT, HOUSEWIFE, EMPLOYED, UNEMPLOYED... PLANPROMATRIX URGENTLY NEED DATA ENCODERS (Typing job)

2016-07-13T01:23:00.002-07:00

Click Here to join.

Homebased Business For Mommies at Home

2016-07-13T01:07:00.001-07:00

HOMEBASED NA TRABAHO at NEGOSYO(earn at home)
Mga nanay,estudyante,OFW, part time or full time job seekers: TRY THIS 😊
Must have : internet connection,laptop & android phone
PLANPROMATRIX JOB+BUSINESS 👌
(avail our job & business for only 600 pesos)

Earn dollars while at home & be the boss
1) DATA ENCODING/TYPING JOB
*Kumita ng 7.99$ or 350 pesos/day thru encoding(type more,earn more)
2) E-LOADING
*earn 200 pesos per retailer code sa eloading
3) ADVERTISING
*earn 7.99$-50$ or 350-2250 pesos/day thru advertising and get unlimited bonus!!

100% LEGIT
DTI REGISTERED

To Join Click Here

Success Story of Filinvest International Deputy Manager "Emelia Cudiamat-Lim"

2015-09-22T03:54:00.000-07:00

Very symbolic sa akin ang inidoro.

When I see an inidoro, which I do everyday, tatlong bagay ang naalala ko.

Una ay ang Nanay ko. Tanda ko pa ang unang araw na dinala nya ako sa bahay ng kanyang amo na si Señora Cazzaniga? I was really shocked when I entered the toilet “nakita ko sya na nakaluhod sa bowl “.

That scene really broke my heart, realizing na ganun pala kahirap ang ginagawa niya para lang mabigyan kami ng maganda at maayos na buhay. Hindi lamang tatlong bahay sa isang araw ang pinupuntahan nya. Labindalawa na inidoro ang nililinis nya araw araw. Ang sarap ng buhay ko sa Pilipinas, yun pala ang nanay ko ang hirap ng pinagdadaanang sitwasyon. It really pained me but to my nanay, salamat. “I know that you sacrificed a lot and I wouldn’t be where I am now kung di ko nakita sa aking mga mata na ilang beses kang lumuluhod di lamang para ipagdasal kami pero pati maglinis ng inidoro ng ibat ibang tao”.

Pangalawa, ‘di ko lang nakita ang nanay na naglilinis ng inidoro, I experienced it myself.

Kararating ko lang nang biglang na stroke father ko at si nanay kailangang umuwi sa Pilipinas for a year. Automatic na fully-booked ang buong araw ko dahil sinambot ko lahat ang trabaho nya. Meaning ako pumalit naglinis araw- araw ng labindalawang kubeta at inidoro from Monday to Saturday.

Umiiyak ako habang naglilinis ng inidoro. Umiiyak hindi dahil naglilinis ako ng inidoro (or kasama na din yun), but dahil nadudurog ang puso ko kasi sa bawat kuskos ko ng inidoro, naalala ko ang nanay ko, ang hirap at ang sakripisyo nya para sa amin.

I knew I would suffer the same fate in Italy if I did not work hard. I told myself, “This should stop”. I promised myself na hindi ko pababayaang maglinis din ng labindalawang inidoro ang anak ko, ang anak ng kapatid ko at iuuwi ko pabalik ng Pilipinas ang aking mga magulang at kapatid.

Yung inidoro ang naging turning point ng buhay ko. It pushed me to work hard and made me think of the many POSSIBILITIES in my life. I knew there was a reason why I experienced everything in the past and I knew I could do something betters to help my family and other Filipinos in Milan.

Nagsikap ako and I succeeded.

Unti-unti nag pa part-time nalang ako sa pag lilinis ng bahay nang pinalad na makapasok sa banco. Sa umaga tagalinis at sa hapon naman sa banco ako nag tatrabaho. Hanggang sa dumating ang real estate sa buhay ko at dito ako nagsimula ng pakikibaka upang di na muling maglinis ng labindalawang inidoro ang sinuman sa pamilya ko.

Ngayon pag naiisip ko what me and my family had gone through, naiiyak ako kasi I felt so blessed na naiuwi ko ang aking nanay at kapatid sa Pilipinas. My niece is a scholar in Bocconi, the most expensive business school in Italy and my daughter is now studying in Brent. I won my battle but it doesn’t end in my family. Rather, It is just the beginning of a much bigger fight for the families of other people.

Now that I am already an empowered overseas Filipino worker, whenever there is an occasion or opportunity to UNITE other OFWs, I proudly share my story of inidoro and how my white inidoro turned into a golden inidoro of my life. Because of my story, now I have the power to help not only Filipinos abroad but also share our blessing to the poor Filipinos here in the Philippines. While earning millions, I also hope to help millions of my kababayans.

By Emelia Cudiamat-Lim

The Importance of Health Insurance "The Story of AJ Roxas Fil-Am Revived From death in Spain"

2015-09-07T01:41:00.000-07:00

NEW YORK CITY - A Filipino-American from New York went into a sudden cardiac arrest while on vacation in Spain.

AJ Roxas, 23, was on vacation in Madrid en route to Barcelona when he went into a sudden cardiac death. He was rushed to a nearby hospital.

Sudden cardiac death is the largest cause of natural death in the US, accounting for about 325,000 adult deaths in the US each year.

Luckily, Roxas was revived.

Read more on Balitang America.

Without health insurance and the money to pay for all of Roxas' bills, his family created a Gofundme page. As of the latest, the Gofundme page has raised a total of $11,000 out of the $60,000 target.

Meanwhile, there is a Health Insurance in the Philippines that can help us make through our tough times.

The Kaiser Advantage: THE PREMIUM HEALTH BUILDER PLAN

To be able to provide the best possible care for its clients, Kaiser International Healthgroup, Inc. is registered as a healthcare provider and broker for other health care companies. This allows Kaiser to source out the best possible health maintenance organization that will cater to the employee benefit needs of corporate clientele.

The beauty of the Kaiser Premium Health Plan is that was designed to provide care beyond that of an HMO. Its strength is in long-term care. Kaiser's product is geared to address the long-term health care needs of individuals especially after employment and retirement years.

The Kaiser Premium Health Builder Plan allows the member to put away a small amount of money while he is still covered by his company's health plan, and while he has the earning capacity that allows him to set aside money. When he no longer has a job- and it follows, is no longer earn, he can now call on the savings his Kaiser Plan has earned him, and use that to pay for his medical expenses.

In a country where "family" is a value, more than 50% of parents end up relying on their children or other relatives to support them in their old age. While HMO's provide the financing for medical and health concerns while a persons is employed, this support disappears once one quits, is in between jobs, or is too old or sick to work. Just at the point when one is most in need, Kaiser International Healthgroup, Inc. Has created a product that addresses the long-term healthcare needs of individuals especially after their employment and retirement years. It grants financial independence to people who are normally helpless during the time when they most need medical attention and support.

The Kaiser Premium Healthbuilder Plan is a healthcare plan that allows one to control his own health and provide for his own future.

Kaiser International Healthgroup, Inc. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and a financial investment.

An innovative program, the first of it's kind in the country;

Guarantees long-term care even after the age of sixty when the client has only himself to rely on;

Healthcare coverage, savings, emergency fund, and insurance rolled into one;

An accumulative, self-earning investment that comes with Return of Payment for non-utilization in the first five (5) years of coverage;

A portable account! Even if you change or lose jobs, your plan and funds stay with you;

A four-way insurance coverage:

Term Life
Accidental death and dismemberment
Waiver of installment due to death
Waiver of installment due to permanent and total disability;

Outpatient benefits, annual physical examinations and dental coverage;

Coverage is for individuals but can be installed in companies as a health savings salary deduction program;

No exclusions from 6th year onward;

Flexible, transferable and upgradeable;

Annual lifetime healthcare benefits at age 60 and up;

Payable in 5 years only with fixed rates for the entire paying period;

Issue age up to 60, but coverability extends after 60; and,

Reinstatement can be done within 2 years after lapsed policy.

AFFILIATE MEDICAL SERVICES NETWORK

Hospitals: 295

Clinics/Laboratories: 188

Coordinators: 500

Specialists: 4,000

To know more about Kaiser Health Insurance Policy please send us your inquiry at img-international@accountant.com or catz23v@gmail.com. We are glad to help you.

COL Fund Source Vs. Traditional Mutual Funds Investing

2015-09-03T06:47:00.000-07:00

I’ve been hearing all the buzz surrounding COL Fund Source (CFS), the new product introduced by COL Financial. CFS is the Philippines’ 1st and only online mutual funds supermarket. Since I want to be in the know, I attended COL’s Investing in Mutual Funds via COL Fund Source seminar last August 7, 2015.

If you are not familiar with the Mutual Funds (MF) model, these are pooled funds from assorted investors which are managed by investment professionals and placed in different asset classes like equities, bonds and securities.

Using CFS vs the Traditional Mutual Fund Investment Process

Traditional Mutual Funds Investing Process

I first learned about mutual funds in my third year college finance class. I remember being very excited learning about this financial tool. Pre-MF knowledge, I had thought that the only way to invest in the stock market was by going through it personally. The prospect of having a full time investment professional handle my money and investments seemed like the most sensible thing, specially for someone not well-versed in the stock market.

I had opened my first mutual fund account before that semester ended. I still remember searching for the nearest branch of the mutual fund company I was going to invest in. After taking 2 jeeps, the MRT (dun dun dun) and some walking I finally reached the office. I had to wait though since their was no agent present at the branch. When the financial adviser arrived, I filled out the application form, answered the risk profiler, invested my money and commuted back home.

After a week, I realized I wanted to topup my account so I went to the bank to (I haven’t discovered the wonderful world of online banking then) withdraw and redeposit my money to the MF company’s account. After this, I had to fax (I was told they don’t accept e-mails!) the deposit slip and top up form to branch. Once my balance was received, I received email and SMS confirmation.

I also registered myself on the online website of the MF company where I could check the performance of my account. I opted to get daily emails regarding the unit price of the fund I chose. Apart from these daily email reports I also receive quarterly direct mail reports regarding the status of my investment.

The name of the company may or may not have been changed. You guess.

Just recently, I tried exploring the online platform to check if reports (like what specific companies is the fund invested in or how diversified is the investment) about the funds are given but I couldn’t find them. From time to time, I do receive invitations to events like “Annual Shareholders/Investors Meeting” but I’ve never really attended one since I simply haven’t had the time.

Hectic college life took over after that second balance addition and I forgot about my account for some time. Even when my schedule cleared out, I found the adding funds process a little too inconvenient (especially the faxing part) and this prevented me from topping up my account again. After some time, I also learned how to invest in online stock brokers and this is where I course most of my savings nowadays.

What is COL Fund Source?

COL Financial Group, Inc. announced on their facebook page that the system for COL Fund Source is finally live as of July 29, 2015.

One of the things that stuck with me from all the press releases COL has been doing is the phrase “Fund Supermarket,” admittedly I didn’t know what that meant so I had to ask help from google.

[A Fund Supermarket is] an investment firm or brokerage that offers investors a wide array of mutual funds from different fund families. Investors benefit by obtaining access to an extensive range of top performing funds, as well as by receiving a consolidated statement of all their mutual fund holdings.

Definition by Investopedia

I learned something new today thanks to Investopedia. As I am also not familiar with any offline fund supermarkets in the Philippines I tried googling ‘Philippine fund supermarket’ but all of the results pertains to COL Fund Source.

COL Fund Source is the first online fund supermarket in the Philippines. It offers 24 mutual funds from the TOP 6 fund houses in the Philippines today which are;

ALFM Mutual Funds
ATR KimEng Asset Management (ATRAM)
First Metro Asset Management (FAMI)
Philam Asset Management
Philequity Management, Inc.
Sun Life Asset Management.

The funds you would be buying through CFS is as if getting them directly from the fund houses using the traditional method. This means that you will be paying the same unit price regardless if you buy from COL or through traditional mutual funds agents. With this setup, COL effectively acts as your financial adviser and agent.

Benefits of Investing through COL Fund Source

The Investing in Mutual Funds via COL Fund Source seminar outlined 5 benefits of investing with CFS. I’ve ranked them in the order which I found most valuable.

5. One Stop Shop

With COL Fund Source, you will be able to browse, select and buy any of the 24 funds offered by the Top 6 fund houses in the Philippines. I’m positive that more fund houses will be offered in the future. There will be no need to personally go to the different mutual fund company offices or contact individual financial advisers just to sign up or buy fund units.

What is even more amazing, since COL Financial transacts with these companies on your behalf, you only need to sign up online at the COL website. No more filling out individual forms with each fund house and apply separately.

I put this in the fifth place even though it’s a very remarkable feature because by definition, this is the kind of product which a proper fund supermarket has to be. Nothing new here.

4. Expert opinion

COL setup a special system in their platform to makeup for the lack of personal financial advisers who traditionally guide investors into what type of fund they should invest on.

COL’s Risk Rating
Research Reports (from the department headed by one of my idols – April Lynn C. Lee-Tan, CFA)
Fact Sheets (includes standard deviation, historical performance and sharpe ratio)
Trainings and seminars
Fund Screeners (I’ve been told these are sort-able tables! hahaha)

I really admire COL’s advocacy of educating Filipinos about financial literacy. They don’t just push products to your face, they want you to learn and understand. By educating the investor, we become empowered to make better decisions.

3. No Front End Fees

I appreciate COL’s effort in trying to simplify their product. I think more people would feel incentivized and invest because of this waiver. I can only imagine all the work and negotiating skills that was put in order to convince these individual fund houses to waive their front end fees and risk losing a point of differentiation from other funds.

Since there are no front end fees, your cash balance will be fully utilized when purchasing fund units. It is also simpler because all fees are figured into the computation of the NAVPS, no need to worry about personally computing the management fee, taxes and other miscellaneous fees (that’s why it’s called Net Asset Value, right).

What the funds at COL Fund Source would implement is individual holding periods and, I suspect, back end fees. This means that there is a minimum number of days, months or years, depending on the type of fund, wherein you must refrain from moving your account. Cashing out your balance within the holding period would mean paying a percentage amount as fees, very similar to the time deposit concept.

I’m putting this at number 3 because it’s a very good feature to have specially for someone who wants to maximize his investment. By being given a front end fee waiver, you can effectively buy more units with your money. This translates to better gains especially when the fund is performing excellently.

2. Transparency

I’m the type of person who looks at the breakdown of items in a receipt instead of just looking at the total. I’m putting this at second place because I put transparency in high regard. Disclosures in the financial industry, as I’ve observed, seems to be a very sensitive topic. Even the insurance company which I represent (being a part-time financial adviser) don’t disclose the exact amount directed to management fees.

I do not understand why it should be that way, as paying investors, I think we have the right to know how much exactly is being deducted from us so we can make more informed decisions about our investments.

CFS is a new product and I have yet to try it personally. However, I confirmed with the speaker in the seminar that the actual rate of the management fee would be included in the reports published at the website. I will update this once I’ve seen them myself.

1. Convenience

And finally, COL Fund Source’s biggest selling point – Convenience! COL’s platform is web-based. From account opening, funding, selling, withdrawing, transferring, basically all transactions can be done online.

Even monitoring of fund performance is consolidated in the same page where you monitor your stock investments!

I am a self-proclaimed home buddy and I don’t think I have to elaborate this point any further. Although I’d like to bid farewell to facsimile transactions, goodbye fax machines! I won’t be missing you.

0. Bonus Advantage:

With COL Fund Source you reduce your carbon footprint and help save the world while investing by going online and paperless!

COL Fund Source: A Game Changer

The only advantages that the traditional MF investing method I see are;

Human interaction – Filipinos are very social creatures and some (the more senior generation perhaps) would prefer talking to a person for questions and clarifications. (while FAQs try to address these, the experience is just not the same).
Expert Advice – while CFS has systems in place for this, I think that some people would need more guidance and stronger advice than others which I don’t think a one size fits all system can give.
Help your Financial Adviser ‘Friend’ – If you want to invest and at the same time help your FA, through commissions, you can always opt to go to them and not to COL. If you love your friend more than COL then why not direct the unavoidable commissions to them right?

To cap off, I honestly think that COL Fund Source is a very well thought out and innovative product. I trust that the people over at COL have done the numbers to ensure product sustainability. This new product has even increased my admiration for COL Financial as an institution.

Author: John Financial Adviser & Blogger at Manic Investive

John works in the marketing industry. He earned his communications technology management degree last March 2015. He's been really into personal finance recently.

An Overview of A Winning Mindset For Business Entrepreneurs

2015-09-02T13:19:00.000-07:00

Do you know someone who seems to always get what they want?

You might say they’re lucky because everything comes easy for them; but more often than not, the reason why they achieve a lot in life is because they have the winner’s mindset.

Having a winner’s mindset is mostly about having self-confidence, and the ability to make others believe in that confidence.

Unfortunately, many people mistake self-confidence for arrogance, that’s why we sometimes hold back from showing our skills and talents. We fear that others will judge us negatively, and say that we’re a show-off.

But there’s a big difference between someone who exhibits genuine self-confidence, and someone who’s just feeling self-important – and that is achievement.

A person who has accomplished much will rarely be seen as pretentious, while someone who hasn’t done anything other than proclaim his supposed proficiencies will eventually be discovered as a fraud.

So what do any of these have to do with having the winner’s mindset?

A lot actually because if you want to be a winner, then you have to prove to others that you are one. And this requires a ruthless commitment to excellence through hard work, discipline and consistency.

You cannot just go out to the world one day and declare to everyone that you are a winner, you have to earn it and let others realize that you are.

Which now begs the question, if you want to have a winner’s mindset, but you haven’t accomplish much, then how do you build that self-confidence and earn that respect from others?

The answer has already been mentioned above.

Hard Work

You have to be willing to work harder than everyone else. This alone will separate you from the pack, and gain the admiration of your peers.

Discipline

You have to be willing to do what’s needed to be done, even if it’s difficult. This is how you get ahead of the pack who are all procrastinating on their dreams.

Consistency

You have to be willing to go on the long haul. You do not quit even if you fail. This is how you stand tall as a winner, when the rest of the pack has already fallen.

The harder you work, the more discipline you have, and the more consistent your actions are – the more things you can accomplish.

The more things you accomplish, the higher your confidence will be.

The higher your confidence becomes, the easier it is to have the winner’s mindset.

When you have the winner’s mindset – working hard, being disciplined, and being consistent will become second nature to you.

And as you should realize, having the winner’s mindset feeds on itself. Start the cycle and it will run on its own. But you have to be willing to initiate the process.

We all have things that we need to do – both big and small.

Use the small and easy tasks to build that initial confidence, to get the engine started. And once the wheel has started turning, each revolution will build your strength to achieve bigger and more difficult goals.

Before you know it, people will start seeing you as a winner – as someone who seems to get everything they want.

They may even say you’re lucky, and things come easy to you.

When that happens… smile and share the same advice that you just learned today.

Credits From: http://fitzvillafuerte.com/how-to-have-a-winners-mindset.html?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+ReadyToBeRich+%28Ready+To+Be+Rich%29

Which One Is a Better Investment, Real Estate or the Stock Market?

2015-09-01T11:16:00.000-07:00

Mr. Real Estate and Mr. Stock Market are brothers and back in 1992, their grandfather died and left each of them one million pesos.

“Invest the money and make it grow,” advised their parents. So that’s what they did.

Mr. Real Estate saw a property for sale right in the heart of Makati’s Central Business District. The 14 square-meter land was selling at P70,000 per square meter, which he considered a bargain because of its premium location.

Meanwhile, Mr. Stock Market went to the Makati Stock Exchange and bought Ayala Land, Inc. (ALI) shares, which at that time was selling at P2.95 per share.

Fast forward twenty years later, in 2012, the two brothers decided that they will travel around the world with their respective families.

To fund the trip, Mr. Real Estate chose to sell his Makati CBD property, which is now priced at P300,000 per square meter.

On the other hand, Mr. Stock Market chose to sell all his Ayala Land, Inc. (ALI) shares at the market price of P26.45 per share.

Who do you think made more money? Let’s see…

Is the stock market better than real estate investing?

The answer is NO.

Neither investment is better than the other and both are great investments if you know how to do it properly.

Real estate investments can be turned into rental properties and become a source of passive, monthly income. This is something that stock investments cannot do.

Also, it’s not really a question of which one is the better investment, but which investment can help you achieve your financial goals – and at the end of the day, the best option is to invest in both.

I guess the lesson here is that there are a lot of great investment opportunities out there, and it helps to learn about them instead of just assuming what’s good and what’s not, because you’ll be surprised at what you’ll discover, just like today.

I hope you enjoyed today’s post. Please share it to your friends if you did.

Data Reference: Mr. Edward Lee, COL Financial Chairman

Credits to: http://fitzvillafuerte.com/story-mr-real-estate-mr-stock-market.html?utm_content=buffer23339&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer

Woodville General Trias Cavite Affordable Quality Homes

2015-08-31T14:00:00.001-07:00

Affordable, quality homes by Futura Homes of Filinvest

For as low as 27,000pesos/month!

When it comes to life achievements, one dream that is on top of almost everyone’s list is having their own home. Who wouldn’t want to have a space that’s all their own, a product of their hard work and a symbol of new beginnings?

While some may think that being able to buy a house is still a long way for reality, leading property developer Filinvest has been undertaking for several decades the development of beautiful yet affordable homes that will take Filipinos a step closer to fulfilling their dream of having a home.

Watch the Actual Video

For more information: http://filinvest.com.ph/woodville#info=overview
For inquiries viber me at +974 77276798 and I will gladly assist you!
Email me at catz23v@gmail.com

Soldivo Investment Top Up Now Available at BPI Expressonline

2015-08-31T07:55:00.000-07:00

After you open a Soldivo Bond Fund or Soldivo Strategic Growth Fund account, you’d naturally want to make additional investments regularly to take advantage of money cost averaging.

You can make additional Soldivo investments electronically via your BPI Expressonlineaccount. BPI treats the Soldivo mutual funds as “merchants,” so we can invest by “paying” Soldivo, using your folio number as reference or account number.

Soldivo Investing Made Easy with BPI Express Online

To Enroll Your Soldivo Fund Account(s):

Go to http://www.bpiexpressonline.com/ and log into your BPI Online account.
In the main menu, select the following: Payments & reloading → Bills Payment → Enroll Other Bills
On the e-form, fill in your BPI account details.
- Under the ‘Company Name’, select the Fund name (Soldivo Bond Fund Inc/SBFI orSoldivo Strategic Growth Fund/SSGFI )
- Under ‘Reference Number’ enter your corresponding folio number (e.g. 6001xxxxxx).
Click ‘Submit’.
You will receive a confirmation notice of your enrolment and a copy sent to your registered email address. You may now make your additional investment online.

To make Additional Investments:

Go to http://www.bpiexpressonline.com/ and log into your BPI online account.
In the main menu, select the following: Payments & Reloading → Bills Payment → Pay Bills Today
On the e-form, under ‘Pay’,
- select the SOLDIVO fund name with the corresponding folio number (SBFI 6001xxxxxx or SSGFI 6001xxxxxx)
- Input the amount to be invested
- Select which BPI Account to be used for payment
Click ‘Submit’.
A pop up window will appear verifying your investment details. If the information is correct, click ‘OK’.
You will receive a confirmation code of your investment and a copy sent to your registered email address.

To Schedule Regular Investments

After enrollment, you can automate your Soldivo investing by scheduling merchant payments to your Soldivo account.

Go to http://www.bpiexpressonline.com/ and log into your BPI online account.
In the main menu, select the following: Payments & Reloading → Bills Payment → Scheduled Bills Payment → Schedule Bills Payment
On the e-form, under ‘Payment Details’,
- select the SOLDIVO fund name with the corresponding folio number (SBFI 6001xxxxxx or SSGFI 6001xxxxxx)
- Input the amount to be invested
- Select which BPI Account to be used for payment
On the e-form, under ‘Schedule Options’
- select Recurring Payments
- select Monthly or Quarterly
- Input How many
- Input Start Date
Click ‘Submit’.
A pop up window will appear verifying your investment details. If the information is correct, click ‘OK’.
You will receive a confirmation code of your investment and a copy sent to your registered email address.

Over-the-Counter

Visit any BPI Branch
Fill-out a Deposit/Payment Slip. Fill in the following details:

Under ‘Account Name/Merchant’s Name’, indicate the fund’s complete name.
Under ‘Reference No.’, indicate your folio number (e.g. 6001xxxxxx).

Credits From: http://www.trulyrichmakers.biz/tag/soldivo-bond-fund/

How to compute your earnings in Mutual Funds

2015-08-31T07:40:00.000-07:00

Step 1: Determine how many shares you own

When you invest in mutual funds, you are actually buying “shares” of the mutual fund company. (See Introduction to Mutual Funds) The price you pay is the NAVPS or the Net Asset Value per Share, a figure that changes every day since it represents the market values of the investment assets the mutual fund company owns.

Let’s assume you want to invest P100,000. When you checked with the mutual fund, the NAVPS price is P1.75. The number of shares you will then get is:

P100,000 divided by P1.75 = 57,142 shares

Your total fund value that day is:

57,142 shares x P1.75 NAVPS = P99,998.50

Since you paid P100,000 but the amount of the shares you bought is only P99,998.50, the company would actually return P1.50 to you.

For simplicity purposes, we did not consider any fees or sales loads charged by the fund. Do note, though, that most funds will charge a fee either upon investment (entry fee) or when redeeming your mutual fund shares (exit fee). We’ll defer computations including fees in a succeeding article.

Step 2: Determine the current NAVPS

At any day, you can compute the value of your mutual fund investment. The only two things relevant to you are:

Number of shares you own
NAVPS price on that day

Let’s assume that at the end of 1 year, the NAVPS of your mutual fund is P2.50. Your profit is simply the difference between the current NAVPS and the NAVPS when you bought your shares. Multiply this with the number of shares you own and you’ll get the amount of your profit.

Mathematically:

Current NAVPS = P2.50
Original NAVPS = P1.75
Difference in NAVPS prices = P2.50 – P1.75 = P0.75
Number of Shares Owned = 57,142
Profit = P0.75 x 57,142 = P42,856.50

This same amount can also be computed by comparing the current total fund value and initial fund value.:

Beginning fund value = 57,142 shares x P1.75 NAVPS = P99,998.50
Current fund value = 57,142 shares x P2.50 NAVPS = P142,855.00
Difference in fund values = Profit = P42,856.50

One major point to remember, though. This profit is still “paper profit” or “unrealized income.” That’s because you have not redeemed the shares yet. Any day afterwards, the NAVPS will still change which means your fund value and profit will also change.

We’ll show this in the next example.

Step 3: Calculate actual profit at time of redemption

Let’s assume you wanted to encash and redeem your shares at the end of the 2nd year. Before we proceed, you need to know that the fund value and NAVPS price at the end of Year 1 are now irrelevant. Whatever “profit” you gained before was not realized since you did not redeem the shares.

Assume that at the end of Year 2, the NAVPS price is P2.00. As in Step 2, we can compute the profit by comparing the current and original NAVPS:

Current NAVPS = P2.00
Original NAVPS = P1.75
Difference in NAVPS prices = P2.00 – P1.75 = P0.25
Number of Shares Owned = 57,142
Profit = P0.25 x 57,142 = P14,285.50

At the end of Year 2, your total investment earned P14,285.50. If you redeemed all 57,142 shares, you can now actually earn and get P14,285.50 cash as profit.

The total money you would get from the mutual fund is this profit plus the original investment (P14,285.50 + P99,998.50), which can also be computed this way:

Current NAVPS = P2.00
Number of Shares Owned = 57,142
Total Fund Value = P2.00 x 57,142 = P114,284.00

Again, be reminded that this computation does not consider any fees charged by the fund. Your fund value will be reduced by those fees.

In any case, we hope this gives you an idea how to compute your mutual fund income.

Credits From: http://www.pinoymoneytalk.com/value-mutual-fund-investment/

Insurance and Investment All In One

2015-08-30T05:29:00.003-07:00

Designed so you can live life on your own terms...

Just as Philippine corporations are lauding HMO's as the answer to the increasing costs of health care for their employees, in steps the Kaiser International Healthgroup, Inc. hit tht local Market with a long-term health care product - the Kaiser Premium Health Builder Plan that will protect individuals when they need protection the most during their elderly years.

Created out of the desire to provide quality health care to a wider range of people covering the low, middle and upper classes, Kaiser International Healthgroup, Inc. was incorporated and register with the Securities and Exchange Commission on June 8, 2004 with an authorized capital strock of Php 160 million!

On July 26, 2004, Kaiser International Healthgroup, Inc. was granted a clearance to operate by the Department of Health Bureau of Health Facilities and Services.

LONG-TERM HEALTHCARE - Major Benefits

Accredited Hospitals

Over 500 Accredited Hospitals, Hospital's Intensive Care Unit and Operating Room

Accredited Doctors and Specialist

Over 1,000 accredited Physicians / Specialists / Surgeons / Anesthesiologists

Annual Physical Examination

Free Chest X-ray Stool and Urine Analysis Complete Blood Count Electrocardiogram (for 35 yrs. old and above)

The Annual Physical Examination is deductable from your Total Health Benefit during the extended period.

Dental Benefits

Free unlimited dental check-ups once a year free dental prophylaxis, free simple tooth extraction

Special and Extended Benefits

Magnetic Resonance Imaging (MRI) Nuclear/Radioactive Isotope Scan, CT Scan, Dialysis, Blood Transfusion, Chemotherapy, and Radiotherapy, Physical/Speech Therapy, Anti-Rabies, Venom and Tetanus Vaccine, Emergency Benefits (Ambulance)

Long-Term Care Benefits

A guaranteed benefit which you can use after 15 years, whatever sickness you have or you can also use it at age 65 onwards...

Yearly Health Benefits

A 10% yearly accumulation based on the long term care benefit starting on the 6th year up to the 15th year

Long-Term Care Bonus

If no claim was made during the Accumulation period all premiums paid will be given back on the 15th year, making it COST FREE

Lifetime Network Access

Lifetime access to over 1,000 doctors, over 500 hospitals as long us you have funds available in your health benefits

Term Life

If the policy owner dies during paying and accumulation period the beneficiary will receive an amount equal to Long Care Benefit

Waiver of Installment Due to Disability

If the policy owner becomes totally and permanently disabled for a period of six months (before age 65 years and 6 months) during the accumulation period. all the succeeding payments will be waived

Accidental Death and Dismemberment

If the policy owner dies due to an accident before age 65 and 6 months, or suffers from dismemberment of both hands, both feet or loss of sight in both eyes (or any combination thereof) before age 65 and 6 months during the paying period, the nominee will receive equal to 200% of the Long Term Care Benefit

Waiver of Installment Due to Death / Credit Life

If the policy owner dies during the accumulation period, the balance of premiums is waived, rendering the plan fully paid

For More information visit http://www.kaiserhealthgroup.com/about.php
To get a quote email me at catz23v@gmail.com and I will reply to you as soon as possible.

Catz - Marketing Director
International Marketing Group

Kaiser International Health Group - Accredited Broker

Join Filinvest Become our Business Partners Worldwide! Earn Millions To Help Millions!

2015-08-30T03:22:00.000-07:00

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We are looking for self-motivated, self-driven and has a winning mindset individual who wants to have extra income with our very professional company Filinvest International, a very rewarding packages awaits you.

If you have that qualifications or wants to know the business, then we are inviting you in our office at 1st floor Room 104 Al Hashemi Building. Ibn Sayara & Ibn Seena Streets, Al Muntazah, Doha-Qatar. Or if you are an OFW working to other countries and you don't have any idea regarding Filinvest. Email me at catz23v@gmail.com and I will explain to you how we can start to become Business Partners.

You may also viber me at +974 77276798.

Kabayan di mo kailangan maglabas nang pera dito! Sumali ka na wag palampasin ang pagkakataon!

Success Stories Part 2 "Miriam Quiambao-Roberto: Rebuilding, Recovering, and Rediscovering God"

2015-06-11T01:25:00.000-07:00

In the concluding part of this exclusive interview, Miriam Quiambao-Roberto talks candidly about the difficulty of almost losing her life savings to a scam, how turning back to God has given her a better direction in life, and her plans with her new family.

What difficulties did you face in moving back from Hong Kong to the Philippines?
I got married in 2004, and I got back here in 2006. Fortunately GMA quickly offered me a travel show, Pinoy Meets World, which sustained me financially so I had work when I moved back here even when my ex-husband wasn’t providing for me any more. It took us a couple of years before we agreed that he’d file a divorce.

In 2007 I had a financial challenge. I had invested in foreclosed properties again with my friend and investment partner. But in 2007 I learned that our properties were receiving letters from the bank threatening repossession because she wasn’t paying the amortization. It had over 1 million penalties in the bank.

Because of the number of investments I had, and I had invested my life savings in those properties, I didn’t have money left over to try to recover them from the bank. Fortunately another friend blew the whistle on the mismanagement of this girl so i called the other investors and we came together to file a case against her. We reported her to the NBI and filed a case of estafa.

And while we were recovering all these properties, I was beginning to have trouble with my career because all my shows were getting canceled.

How did you recover from these setbacks?
I wasn’t too busy with showbiz work, and my thing is, if I’m not too busy, I’ll take the downtime to study. So I ventured into entrepreneurship, applied whatever I learned from my lessons when the bank suggested we create a company to manage the properties and to have a legal entity to deal with the bank. In one of the properties I invested in, my partners assigned me as president but during that time I didn’t have much knowledge of real estate.

By this time, I had already come to know the saving knowledge of Jesus Christ, because there was a time I turned away from my faith. By 2008 I put my trust in Him as my ultimate provider. Before, my sense of security was based in money, what I had, how popular I was. But through experience I discovered that all these things are temporary and only God is permanent and our faith in Him is what allows us to trust in Him so we can surrender even our finances to Him. So I prayed he’d give me wisdom and knowledge in order to manage these properties.

I came across the Urban Institute of Real Estate and enrolled there, and by God’s grace and the help of my team we were able to recover the property from the bank, raise enough money from collections from our tenants to pay the penalties, kick out the tenants that weren’t paying, continue collecting from those religiously paying, and manage the property in such a way that it is self sustaining.

Since 2009 when we established the company, the property has become self sustaining and we’re in the process of transferring seven properties out of 24 to tenants who are also buyers.

One of the duplexes built by Miriam Quiambao-Roberto in Quezon City.

Is this company your main source of income now?
No, it’s just one of the many things I’m doing. For this company, my fellow investors and I meet maybe once a month, more if there are serious issues but that’s not as common. Mostly we manage with phone calls and emails.

The rest of the time I manage my own properties. Back when I wasn’t getting a lot of TV work I got a real estate license so I spent that downtime practicing brokerage. But when I was done with my divorce, I received some alimony and invested it in real estate again. My last project was to build a duplex in Quezon City so this year I’ve already received payment from PAG-IBIG for one and I’m waiting for the other one.
Most of my investments are in property, but I also have stocks and other businesses.

Do you use personal finance managers, or are you more hands-on?
I used to be very hands-on. Very focused on doing my finances and checking on them almost every day, every week, I’d check on stocks. But I’m at a stage in my life when I realized that’s no longer the focus on my life.

I manage my time with my family, managing my finances with my new husband. I do a lot of ministry work. Once in a while I still accept showbiz jobs but mostly I’m focused on ministry work and taking care of our son.

Money is no longer the center of my life. It’s important, but it’s not my focus.

Miriam and Ardy at their wedding, 2014.

How has your new family changed your approach to finances?
Let’s just say that I’m blessed that I now have a partner to help me manage. I’m blessed to have a life partner to raise children with, but he’s also my ministry partner and business partner, so two heads are better than one. We collaborate on how to manage our resources and Ardy’s a brilliant man. I’m blessed because we are aligned in our approach to money.

We try to manage our time in such way that even though we’re both earning, working, we still have time for family. We also pray for opportunities to have more businesses, and I’m glad opportunities are opening up. We have a new venture that we’re studying on a franchise. There’s a lot of potential there, but we’re still studying it.

What do you wish you’d known earlier about money?
That God is the ultimate provider. There are many times when I trusted money as my source of stability. But ever since I’ve learned that God will supply all your needs according to His glorious riches. All money, all fame, everything we have is temporary; but for as long as we have God, then even if we lose everything, as long as we trust Him, we pray for wisdom, He will be the one to provide us with the ability to produce.
I’m blessed because I’ve come to that knowledge. Not a lot of people have that opportunity. Through this interview, I really hope I can encourage the reader to discover what God has prepared for all of us because He has great plans for us.

What’s the best financial decision you’ve made?
To obey God in giving tithes. Tithes is 10% of gross income, gross salary. When I first encountered this I was like “What???”, but when you come to think of it, all our money is God’s and He’s just sharing it with us and we’re to be faithful stewards. If we can prove to Him we can be good managers, He will bless us with more.

Ever since I started tithing, hindi ako nagutom. Hindi ako aabot na kukulangin ako. When I see that my savings are dwindling, when I wasn’t getting too much work, biglang may darating na opportunity.
There was one time when God asked me for the whole income from one of the properties I owned, so I just trusted that call to tithe the full income of that property to Him. So I gave the income of that property in January 2011. Three months later I got a project and when I computed the amount of that project, it was 70 times the amount I tithed! Only God can do that. Mula noon nagti-tithe ako.

Miriam and Ardy on honeymoon in the south of France.

What are your financial plans for the next five years?
For the short term, my husband and I just married in March 2014, so for the past year we’ve been trying to merge our finances. We just moved to our house in Alabang in November, so we’re still finding out how much our expenses are for that house, how much we really need. And this last month my mom died and we had to shell out money to help out the family. So our cash flow and expenses haven’t settled yet, but now things are normalizing we are trying to identify how much really are our monthly expenses so we can properly budget.

We’d like to be in a position when we can live comfortably, enjoy life every so often, but also be able to build businesses so we can give more to the works of God. We pooled our money together to invest in a business and it seems to be doing well. We also recently opened this [Neil’s Kitchen and My Father’s Bookstore, where the interview is being held] in December. For this venture we partnered with my publisher so it wasn’t that much of an outlay, but it’s an opportunity to share inspirational books.

We’re also looking to build a new business. We’re studying which opportunities to prioritize in the next five years. We want to make that choice, one or two franchises, and we’ll build on it.

The plan is to organize it in such a way that we don’t always have to be there but our money can work for us, not us working for money.

Does money make you happy?
Money is a tool. It’s a neutral. It’s not alive. Something dead cannot make me happy. There was a time I was surrounded with so much money, living the worldly life, what every woman dreams of: traveling the world, living in a big beautiful house, and driving expensive cars, and being surrounded by luxury, the latest it bags, the best branded clothes. But without God, and not being married to God’s best for me, I was not happy. That’s when I discovered that this is not what makes me happy after all.

Growing up, having that life was my dream, especially after I became a beauty queen and I was able to attract the richest of men or the whatever princes. I thought “Ah, OK, I need someone who could provide for me.” But I married that the first time and I wasn’t happy.

But now I’ve discovered that God is my ultimate provider and God is the one who makes me happy because He completes me, fills me with joy, makes me so fulfilled that I have no need to find my satisfaction nor identity nor security in anything else.

By God’s grace I’ve been blessed that He’s providing for me, taking care of my needs and even more. I still enjoy a nice big house, I drive a nice car. It was not as luxurious as the life I had before, but I am content.

Wealth for most people is having a lot of money, but true godliness and contentment is indeed great wealth.

A family photo: Miriam, Ardy, and Josh.

Credits to iMoneyph

Success Stories "Miriam Quiambao-Roberto: On Rising, Falling, And Rising Again (Part 1)"

2015-06-11T01:14:00.002-07:00

Miriam Quiambao-Roberto shot up to international prominence at Miss Universe 1999, where she took the prize of first runner up for the Philippines despite her unfortunate slip and fall. But what captured everyone’s attention was the way she got back up even after falling down. Her graceful recovery from this setback drew the applause of the audience and won her fans the world over.

Who knew that this would become a metaphor for her life? After her meteoric rise, she also suffered a series of setbacks, from divorce to career downturns to being scammed out of her investments. But just like that night in 1999, Miriam got back up again after each setback, and found happiness and security in God and her new family.

In part one of this two-part exclusive interview, Miriam Quiambao-Roberto opens up about the challenges she’s faced, how in an alternate timeline she would have been a physical therapist in Indiana instead of a beauty queen, and why she suddenly left showbiz for a life of luxury in Hong Kong.

Miriam Quiambao-Roberto in childhood.

When you were growing up, what was your attitude towards money?
My parents taught me to be a saver. At seven or eight years old I already had a bank account. Whenever we received money for helping around the house, or during Christmas when we sang and danced and we got cash rewards from family members for that, I put it all in there.
But in our immature minds we didn’t really understand where we found money or its value. In fact my mom always told me “Money doesn’t grow on trees! I can’t keep on buying the stuff you want me to buy!”
It was only when I grew up and got my own job that I realized that it really wasn’t all that easy to make my own money.

So what was your first job?
At my first job as a part-time gym instructor, I was only making P2,000 a month. So buti na lang I was still living with my parents so I wasn’t totally pressured to live on just P2,000 a month. But no matter how little I was making, I didn’t want to depend on my parents. They worked hard to send me to school, and now that I was making my own money, I thought it was a good idea to set a goal to try to earn enough so I didn’t have to depend on them.

P2,000 is such a small amount. How did you live on it?
I slowly realized that it wasn’t enough for all the things I wanted to buy. So I tried to save money. To get to my place of work, I had to take public transportation, but I would hitch with my dad on his way to work as much as I could to save. On the days where I had to take public transportation, I’d take the jeep or the non-air conditioned bus instead. This was back in 1997 – 1999. I spent P5 per ride to take the tricycle to the gym I worked at. So in order to save that money instead, I would just walk to the gym. That would be my warm-up.

To save even more, I’d walk to the nearest carinderia, and instead of pork or beef, I’d eat vegetables because they were a lot cheaper, tapos isang damakmak na kanin, and that would be my lunch.

Did you find other ways to grow your income?
I got my friend to train me to be an aerobics instructor. When you teach aerobics, you can earn up to P500 extra per session. I got him to train me, then eventually I developed my own routine. So when we were lacking aerobics instructors, they’d get me to teach at our gym. Then I realized that if you teach privately for a company, you can earn more because you get P1,000 per session! So I offered to teach at nearby banks.
And I knew someone at an insurance company in United Nations Avenue so I would gladly commute that distance to earn P1,000 per hour. And on Saturday morning I had a physical therapy patient, a multiple stroke patient I’d visit at home once a week. With all these rackets I grew that P2,000 a month to P12,000 in a matter of a few months.

Miriam at the Binibining Pilipinas coronation night with her parents.

You sound like you had a really busy schedule. How did you make time for the pageant circuit?
I had to ask for a leave from work. I was actually discovered in another gym; they called me in to fill in for another instructor, and there was a make-up artist there in the gym. ‘Are you a model?’ he asked me. ‘Ay, hindi,’ I said, because I was all sweaty, I’d just finished my workout, I didn’t have any makeup on.He said “You know, puwede kang maging model. You want me to help you? I’m a make-up artist, and I have connections.”
Then I thought, “Hmm, puwede yan, racket rin yun!”. So he introduced me to another make-up artist who suggested I join Binibining Pilipinas, which was holding its last day of auditions that Saturday.
I was discovered that Monday, so I made the decision to join the pageant within the week.

Wow, that was fast. Was it easy to make the decision to become a model/beauty queen?
Actually, I was at a crossroads. When I learned that February 20 was the night of the coronation, that same week I was supposed to take my physical therapist licensure exams in Guam for licensure in the US, in the state of Indiana. During the time, I was active in a charismatic community and they encouraged us to pray over decisions, small or big. I felt like it was a decision beyond my limited capacity of foresight.
I saw two great opportunities: pursuing physical therapy in the US, for which my parents worked hard to send me to school, or accept this offer to pursue becoming a beauty queen which was a once-in-a-lifetime opportunity and, to be honest, my childhood dream.

At first, I thought I could do both, but pasabay sila ng schedule, which one should I choose? So I prayed
about the decision and the answer I got from my prayer was to accept the offer to join the pageant.

That couldn’t have been an easy decision.
Well, actually, during the course of the 3-week preparation for the pageant, I learned that my exam was moved to another month. So I ended up winning Binibining Pilipinas World on the night of the coronation, and the following month I went to Guam and passed my licensure exam. So in the end I got to do them both!
And then, when I got home from Guam, Binibining Pilipinas called me and told me that the Philippines’s Miss Universe bet was disqualified because of passport issues and they’re going to send me instead. So I went, brought home the 1st runner up title, and that opened up doors for me to work in show business.

With Donald Trump at Miss Universe 1999.

Things were happening really quickly for you! Did you ever see yourself getting into showbiz before all this started?
When I was 8 I remember watching Lunch Date, a noontime show on channel 7. One of the hosts there, Randy Santiago, was interviewing Dante Varona, a popular 80s action star, and it was then that I just had this feeling in my heart that one day I would work for TV. It wasn’t a dream I had, it was not something I had planned, but I felt like it was something that God had planned for me.

How did you deal with the transition from part-time gym instructor to world-famous beauty queen?
It was a big adjustment for sure because before I could walk in the streets and I wouldn’t be mobbed by the public. When I won, people would stop me for pictures and autographs, I’d be met with mobs or stopped in the malls and all that. It still happens now, but it’s much more manageable than before.

What kind of opportunities opened up for you?
I first started with Unang Hirit then Extra Extra then I started getting into sitcoms and movies. When I was first starting as a host, I didn’t know much. I knew how to read scripts but voice modulation, reading a prompter, all those broadcasting skills, I wasn’t prepared for. I had mentors like Arnold Clavio, Suzi Abrera, Lyn Ching, and Paolo Bediones, who was with me in my first two shows. They would give me tips and I would learn along the way.

Miriam on a field interview for Extra Extra.

How did you deal with all the extra money you were earning at that time?
I was making so much more money so I was happy but I kept my habits of saving and living way below my means. When I finally looked at my savings and saw that I had six figures I thought, I can’t just keep this in a bank, I have to invest this!

During that time when I was looking out for investments I came across the book Rich Dad, Poor Dad, and after reading that and other books I started investing in real estate.

But then you left showbiz. Why?
I wasn’t feeling fulfilled any more with work. Even though work was fun I needed to have more meaning in my life. Also around that time I met an Italian based in Hong Kong and I wanted to have a family already. So when we got married I left behind everything, my career, my family, my country, to move to Hong Kong to be with my husband, and I was a housewife then.

But I still had my investments back here, my partner was still managing our investment well. Eventually she scammed me but during that time she was still depositing the passive income our investments earned in my account.

I also gave a share of the management to my mom, who was a CFO of a pharmaceutical. Even though the partner was already showing signs of non-integrity my mom was the one who protected me, my property, and that investment.

What was life in Hong Kong like?
I didn’t have work so most of my own money I kept in my savings account and in my investment. But when I suddenly got married, I didn’t realize my first husband could provide so much. He was quite wealthy and he provided for all my needs and so much more.

I lived a life of luxury when I was with him and I lost all sense of frugality! He would shower me with all these gifts and I was like “OK, I guess we can afford it!” He would give me an allowance and I’d use that for my own personal spending, supermarket expenses, so that’s what I did. I also used his credit card for my own luxury shopping. And I was just shopping away with his permission.

Admittedly after our first year and he saw how our bills were piling up, going in the millions of Hong Kong dollars, and he didn’t have much plans on how to manage his finances because he was suddenly making all this money. At some point he decided “Why don’t we invest some of this?” and he reprimanded me for my spending so I had to curb it.

Unfortunately our relationship really didn’t work after two and a half years. We lacked the relational skills in order to manage ourselves and our relationship so we separated and I moved back here.

To be continued...

Credits to iMoneyph

Smarter Ways to Save Money by Marvin Germo

2015-03-13T13:09:00.000-07:00

Here are some of the items that will be tackled in the video:

1. How can you save money inspite of sales in malls?

2. How much should you save each month?

3. If you get tempted to buy “stuff” what should you do?

4. Does putting your money in coin banks still work or should you put it in the bank?

5. Is a saving account better or a time deposit?

6. What is an emergency Fund? How much should you put in it?

7. Why was the Special Deposit Account taken out of the market?

8. Is it better to save on food or clothing?

9. How can budgeting help you in terms of saving?

10. What is the minimum amount to start a time deposit and the tenure that you should hold them?

Source: MarvinGermo.com

How to make Millions through Compound Interest?

2015-03-13T12:43:00.000-07:00

Compound interest is interest added to the principal of a deposit or loan so that the added interest also earns interest from then on. This addition of interest to the principal is called compounding.

Compound interest can significantly boost investment returns over the long term. While the magic of compounding has led to the apocryphal story of Albert Einstein supposedly calling it the eighth wonder of the world and/or man’s greatest invention, compounding can also work against consumers who have loans that carry very high interest rates, such as credit-card debt. So better stay away from credit card debts and start investing on high yield interest investments such as the stock market.

IMG - International Marketing Group Founder Mr. Joen de las Peñas Interview with Bo Sanchez

2015-03-12T03:02:00.002-07:00

Mr. Joen de las Peñas is a founder of the International Marketing Group (IMG) and one of Brother Bo Sanchez’ investment mentors.

The Story:

We met at a most unlikely place – inside an airplane. I was bumped up to business class and he was seated right beside me. Since then, Jose Enrique (Joen) de las Peñas became my mentor in investing.

Joen has a mission: to change the adage that “the rich get richer and the poor get poorer.” He believes that “the average person, even the poor, has an equal chance to become wealthy if given the right information.”

Joen certainly knows what he’s talking about. He is a registered financial planner and has more than 12 years of financial management experience. He sits as the president and chairman of the board of International Marketing Group (IMG) Insurance Brokers Corporation.

BO: I still remember your dialogue. You said, “I like your book.” I think you read Simplify and Create Abundance. And then you said, “Can I share some more to you?” In other words, you were trying to say, “You still lack some knowledge.” But I truly appreciate all the financial knowledge that you have shared with me all these years.

JOEN: That’s true. I read a lot of your books. It’s always been my dream to meet you so I could tell you a bit more about financial services, about the mission that we do. I know that you can help spread what we know, so it was a good chance to let you know all the things that we know.

BO: Can you share with us this mission, this crusade in your heart that’s been driving you for the past 10 years?

JOEN: It’s about the statement “the rich get richer and the poor get poorer.” Our mission is to change that. The rich get richer, it’s good. But the average person also has the right to become wealthy and I know that with the right information, he will have the same opportunity as the wealthy people.

BO: That’s wonderful. So the rich, yeah, they can get richer, so long as they share their riches. But you’re saying now that the average person can become rich as well.

JOEN: Yes, if the average person understands what the wealthy people are doing, if he understands the right financial vehicles, then there is no reason to be poor. Sadly, the average person focuses on different things while the wealthy people focus on how to become wealthy and successful.

BO: Can you give some specifics?

JOEN: If I ask the average person, “What is the rate of return on your savings?” most of the time he does not know. But ask him about the rate of return on his debt, he’d know. It’s always at the back of his mind. But the wealthy people – they know the rate of return on their savings, when it will double, how much their money will be in so-and-so years.

BO: You know, just yesterday I went to my bank and they gave me this leaflet on new interest rate. I was so shocked – it was 0.75% for a year! I thought it was at least 1%.

JOEN: And that’s still gross. You still have to deduct 20% withholding tax. What a lot of people do not understand is this: that the bank is a good vehicle for business; but for your own personal savings, there are lots of other financial vehicles that you can use.

Most people think that by saving they’re already doing something right. But the fact is, you could save the right way and save the wrong way. And saving the wrong way, at the end of the day, will not change anything.

BO: That’s a very important point. You know, Joen, my role is to give people the capacity to have a vision. I give them the capacity to dream. I remove their limiting beliefs – that I can’t do it, that I’m poor. So you’re absolutely right. People don’t have a vision of doubling their money.

JOEN: A lot of people are like that – they do not understand that with a meager rate of return on their savings, they will never have a chance to become wealthy. But I can show you a way that, even if you save P20,000 for six years with a total of P120,000, over the years as it compounds, it can be P9.5 million.

BO: Wow. So you’re saying, Joen, that if the average Filipino can save P1000 or P2000 a month, they can become a millionaire over time? But they need to know how to save, where to save.

JOEN: Yes and at the same time they should have a vision where their money is going and how exactly their money can grow. All of us work hard for the money. But eventually if we know how to handle money, money can actually work for us. We can be the boss of our money and not the other way around.

BO: OK, you’re saying, don’t put it in a bank, use the bank for business as loans, maybe business loans. But tell us, what vehicles are you talking about that can make one a millionaire over time?

JOEN: One of the widely used financial vehicles right now, even is the US and Europe, is the mutual fund. In a mutual fund, your small amount of money becomes part of a very big fund. If that fund earns 12% or higher, whatever savings you have there will have an equal rate of return as the whole fund. Many people think that the mutual fund is for the wealthy. But in fact it was created for the average persons to earn equally with the wealthy people.

I look at a lot of Filipinos and they’re very focused on how to make money but that’s only 50% of the equation. The other 50% is learning how to let their money go back to them much faster.

BO: That’s true. Is it safe to invest in a mutual fund?

JOEN: A mutual fund is regulated by the government and managed by a professional person to let the money grow. It’s one of the safest vehicles to let your money grow and to have the best rate of return. They have what you call asset allocation. The fund is spread correctly and all that the fund manager does is to think how to let the fund grow. And because of regulation, it’s a very safe vehicle.

BO: I’m sure we could go on and talking about this wonderful topic. One last thing before we end. You said that in the US, 20% of the people there put their long-term savings in the bank, but 70 or 80% put their money in mutual funds already. In the Philippines, it’s the opposite. Not even 1% of our people invest their money in mutual funds. And so you have a long way to go.

JOEN: Yes, there are a lot of things to be done. But I believed that with the right information we can actually become like the US and there will be more money in mutual funds compared to the regular savings in the bank.

Source: Kerygma Magazine

How to Increase your Income? Get a Job Part Time or Full Time and Earn Passive Income!

2015-03-11T05:02:00.001-07:00

What is Passive Income?

Passive income is an income received on a regular basis, with little effort required to maintain it. It is closely related to the concept of "unearned income".

Here are list of the websites were you can get the additional income you need to save more!

Cheers to your financial freedom!

Office Set-up Business? Meron ba Nito?

2015-03-10T12:58:00.001-07:00

Office Set-up Business?

Have you ever wondered if there is such a business like this?

What I mean is a business that you can make by setting-up an Office of a Company.

Either renovation or construction and supply of office equipments like tables and chairs.


Call Center Workstations Office Set-up

What you need to Set-up the Business?

First, one must know how to make an office layout and estimate the floor plan. By knowing this you would know how much space you need to put depending on the client needs. And by having this layout you can make an estimate amount that you and your client could deal with.

Office Layout Blueprint

Second, search for suppliers for tables, chairs, cabinets, partitions and all other materials you may need for the business. It is better if you found and search for the ones that have cheaper but elegant or modern designs and use it for your own business portfolio.

Third, market your own company. Post or share your work. Refer it to your friends! People need to know that your company exist.

Fourth, upon receiving your clients inquiry make sure to have ocular visit on the place. It is better to inspect maybe there is more that you can or may do for the place and offer it to your client.

Fifth, have a contract for this type of transactions. After closing a deal it is better for both parties to have an agreement that stipulates the inclusion/exclusion of a particular job.

Sixth, if a client set-up a budget work within that and do not compromise the quality. It is better to have a good output rather than having a negative feedback. Word of mouth is still the best marketing technique and starting your business with a good one would mean a lot of clients in the future!

May your dreams come true....

Noypi

Bro Bo Shares Knowledge About Investing

2015-03-05T12:21:00.001-08:00

Renowned businessman/missionary Bro. Bo Sanchez gives tips on how to handle your money properly. In order for an individual to be rich, one must think of long-term plans as his motivation to save more. He also promotes investing in the stock market in order for your money to reach its optimal point.

For those who wanted to be guided on their stock investments. I'm inviting you to join Truly Rich Club!

It's the best investment you can give to yourself. Experience Abundance Spiritually and Financially!

Click to Join Truly Rich Club

Crispy Pata Business Sure na Patok na Patok!

2015-03-05T06:37:00.001-08:00

If you are looking for a different kind of twist for your Crispy Pata Business maybe you can add this on your menu! Try this Boneless Crispy Pata Recipe from Cook at Share!

Boneless Crispy Pata (Boneless Crispy Pork Knuckles) Recipe

1 kg. Pata (deboned : ask your butcher to debone)
1 tsp rock salt
1 medium onion
2 cloves garlic
1 tsp peppercorns
5 cups water
5 cups canola oil
cornstarch

Directions

Wash the pata thoroughly.
Rub with salt then roll, and tie with a twine.
Place in a pressure cooker, add water, onions, garlic, pepper corn and cook for 15mins once it starts to boil.
Remove from the pressure cooker once done. Let the excess water drips off. Rub some cornstarch all over the pork skin. This will avoid too much popping while frying.
Heat the oil in a deep casserole for frying.
Once the oil temperature is hot, drop the tied pork onto the hot oil and let it deep fry until crispy and well done.
Drip oil onto a paper towel and serve whole with dipping sauce.
Dipping sauce: cane vinegar, onions, garlic, soy sauce, chili

How I Earned from Stock Market By Allan Ngo

2015-03-04T05:43:00.000-08:00

Allan Ngo is a financial literacy advocate and a basketball addict. He believes Pinoys have what it takes to be truly rich through proper financial education.

Credits to: TRC and Allan Ngo

The Dragon Fruit Lady---An exemplary mother and entrepreneur

2015-03-03T22:15:00.000-08:00

The ‘Dragon Fruit Lady’ from Ilocos Norte shares her inspiring story. Find out how being a mother pushed her to emerge as the country’s top exporter of dragon fruit.

She was the light and the glimmer of hope for her children and family.

Entrepreneur Edith Dacuycuy is more than a star in the local agribusiness industry. She is a loving and caring mother who would find ways to make her children live comfortably despite the odds.

She was blessed with four children, a son and three daughters. Kate the youngest, however, is not like her siblings. She’s somehow more special, being diagnosed with a condition called cerebral palsy (congenital disorder affecting movement, posture, and muscle tone). Edith admitted that she has loved Kate even more because of this.

As a young child, Kate seemed to be getting weaker and weaker. She had been suffering from constant seizures and constipation. As her medicines eventually failed to work, Edith knew she had to take a step forward and find treatment on her own. A friend told her about the wonders of the dragon fruit, which was then very rare in the Philippines.

Determined to try dragon fruit therapy to treat Kate’s constant seizures and constipation, Edith sent her second daughter to Thailand to learn how to cultivate the fruit. She stayed home in Ilocos Norte to look after Kate and started doing more research to discover the fruit’s many other possible health benefits. She found out that the dragon fruit can possibly help prevent cancer, high blood pressure, and constipation, among others.

The fruit of new beginnings

A few days after including dragon fruit in Kate’s daily diet, the family found a pleasant surprise. Kate seemed to be more relaxed. Suddenly, the seizures and constipations were not that frequent anymore. The fruit worked! It proved to be very effective that Edith decided to grow more of it in their backyard to ensure constant supply for Kate.

Before she knew it, there was a large supply growing in her garden! People around the neighborhood started noticing it, calling Edith the community’s ‘Dragon Fruit Lady.’ Since then, she has lived up to that moniker.

She also realized that being a mother of four wasn’t enough of a work, so she decided to venture into the fruit industry. Earning money has always been just her second priority as an entrepreneur. “The dragon fruit worked like magic for my daughter. Why not share the knowledge to other parents who need help, too?” said the Dragon Fruit Lady.

Blessings have been pouring to her ever since. Her son became a successful physical therapist; her daughter obtained a mass communications degree, while the other became a pediatrician. Her farm has become an agri-tourism spot in Ilocos Norte and her dragon fruits skyrocketed in sales. She is now the leading dragon fruit exporter in the country. Edith also founded the Association of Dragon Fruit Growers.

Her mission goes on

No less than President Benigno Aquino III recognized her effort for cultivating high-value commercial crop in 2010. This year, she was named as one of the Filipina Starpreneurs by Go Negosyo and the Philippine Center for Entrepreneurship.

Despite all the blessings, the Dragon Fruit Lady has remained down-to-earth, while still pushing her advocacy to promote the dragon fruit in the fields of local business and health. “Dragon fruits have a lot of health benefits. It contains a lot of essential vitamins and minerals that are instrumental in curing various kinds of sicknesses,” she said.

Despite each tiring day of work in her blooming business, she remains hands-on on being a mother to her four children, especially to Kate. “For those parents who have a child with cerebral palsy, don’t be scared and run away. Think of it as a blessing from God. Pray to him and ask him for help. He’s always there to give us the determination to do everything for our children, this goes especially for the mothers.”

She always reminisces the day when she had asked for God’s guidance during the lowest point of her life. “During those days, I know He never left me. He never left my family. He helped my daughter to become better. He helped my business to become this successful.”

As a mother, Edith knew she has to embrace all the challenges and treat those like blessings. She is confident that she will always win all the battles in her life, especially as a mother and as an entrepreneur. This is the story of the Dragon Fruit Lady---an outstanding mother and entrepreneur. And this is no myth.

Credits to: Entrepreneur.com.ph