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From peanuts to big shot
2007-10-02 06:12:00
Great things grow from small things. Even from peanut. Proof of it is John L. Gokongwei Jr. who literally built his big business empire from nothing more than a peanut.People who know nothing of his story will find it a stretch-a big stretch at that- of the imagination to picture his holdings company JG Summit as the size of a peanut. After all, we literally live and breathe his businesses- Cebu Pacific, Sun Cellular, Robinson’s Malls, Mini-stop, Universal Robina, Summit Publishing. But Gokongwei Jr. truly started with nothing but a bicycle that he used to sell peanuts in the public markets of Cebu. A young man then, he would sell alongside veterans in the trade, desperate to make a living and save enough for his family. After traveling from Cebu to Manila and back to Cebu again, buying and selling what he can, John was able to save several thousands of pesos. At that time, that was already a great deal of money, perhaps millions now in value. He used this to start a company when ...
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Make a reservation to save money and time
2007-09-27 08:22:00
Do you have a business trip or a vacation to come? Make it sure by booking your trip in a trusted booking company. It is the portal reservation starting from hotel accommodation to car rentals, cheap flights, Holiday offers and more.You can save big discount by using only one booking agency to do the entire job for you. The most important here is you can do the reservation through telephone conversation that you can make it sure that what you reserve is for real not an ideal one. Like for example a flights to Australia can be arranged by calling one of their representative to make it sure that what you want is what you will get. make money
More About: Money , Save Money , Time , Save

Do you need to loan?
2007-09-25 05:37:00
Loan is sometime needed to boost your dying business. Even Donald Trump is not exempted in loan and mortgage. We all need this but my main suggestion is to shop around and look for a cheaper bank to finance your loan. Better. You ask some of your friends who already done it before if you are new in borrowing money. There also company or bank who will grant loan for you even if you have bad credit, but next time around you better be honest and punctual in this kind of transaction to protect your image and so that you will have an easy negotiation.Personal Loan is also a needed if you are short of cash and can’t wait for the salary to come. Look for a bank that charge small interest. Ask for an advice from their personnel if you have some doubt or blur knowledge. Payday Loan loan can be approved in minutes and online. No matter what you will do for the money, they will release it faster and in your convenience at home. Apply online and be granted faster of your desire loan. It is a...
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Magazines and books that I read
2007-09-19 12:50:00
Last week I bought a magazine "Entrepreneur" and I will share it here some of the most important topics that were written there on how to start a business and what are the considerations and where to look for finance and niche. You can read there lots of information on how to start a business, read about franchise and money management.I also read Money Magazine because it contents stock, mutual funds, retirement option, pension plans, banking, finance and some related topics. If you have money and want to invest then this magazine is for you. I also read Donald Trump's books. He shares real life experience in real estate deals and some wise advice about money. No wonder he is a real estate icon of the century.Forbes Magazine is another content rich to read. They even rank millionaires and Billionaires every year to inspire everyone. This magazine also gives you ideas where to invest and news on the world about money and investment. There are other books that I read but these magazi...
More About: Books , Magazines , Read

Disadvantages of a Unitarian government and Advantages of a Federal Governm
2007-09-15 04:47:00
Here are two types of Government that will affect your Financial Freedom ambition.Disadvantages of a Unit arian government:One: The tendency toward oppression and eventual extinction of the provincial peoples. In a Unitarian set-up, there will always be the so-called ‘captive peoples’, ‘provincials’, or ‘4th world’. These peoples living in the peripheral areas of a Unitarian nation are captive peoples, who do not have the freedom to govern themselves, lead their residents into economic prosperity, nor protect their local ethnolinguistic identity from extinction, should the center decide on a policy of imposing a mono cultural linguistic identity over them.Two: Decision overload. One central organization, no matter how good and efficient, cannot possibly decide for all localities in a big country, for each locality will inevitably have its peculiar conditions and culture. Thus, local problems are usually given over to blueprint solutions, which almost inevitably are not th...
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Restaurant Business
2007-09-09 07:48:00
Yesterday I ate in a Tokyo restaurant here in Riyadh, Saudi Arabia and honestly I like their foods. I don't know the name of the viands but it was a combo meals. It costs me SR50.00 and that is P500.00 in the Philippines. I have a friend who worked there for more than 10 years and I always visit such place but yesterday was my first time to eat. The foods are very succulent and cheap. Imagine only last night I was able to eat in their restaurant it is because I valued my money too much. But sometimes you have to treat yourself too and enjoy. In the book of "Think like a Millionaire" the author said that you have to treat yourself too so that you will have a balance life while getting rich. The more you save the more that you will not invest, afraid to lose the money that you have.My friend is very a chef cook and he could be rich if he knows how to create a business out of his talent or skills as a cook but he does not like business, he is happy as an employee only and expect a sma...
More About: Business , Restaurant , Sine

Retiree Workforce
2007-09-07 22:53:00
America is a fair country to its citizen regardless of who you are and what you are. Many old citizens feel that they could not afford to retire at the age of 65 because they don’t have enough saving to sustain their lifestyle. Many companies now are looking for people who are really matured and qualified to do the job. Some of the employees after they finished their job terms are still looking for a second job to make ends meet. But there are also people who are bored in their home so they want to go back to work to entertain them selves. The question here is if you are qualified and can work then why not be productive. There are also who are young and yet not matured enough to handle the job. Age here is not the issue but the capability to handle the job. We still need people who are really good and experienced. For the retirees, the advantage of working is the health and medical benefits which the companies can offer to them rather than from their pocket. Staying at work than d...
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I will spend my vacation in the Philippines
2007-09-07 12:15:00
I will be in the Philippines this coming September 10 to November 2, 2007 to spend my vacation. I don’t know if you believe me but it is not my vacation but an opportunity to invest my yearly earning so again it is a hectic work out there waiting for me. Right now I have already iron my plan on what to do when I arrive in the Philippines. I will visit the bank for the mutual fund that I invest last year which gain a 26% for the pass two years. Another is to add some amount of money it and the other portion will be in housing project which I did not finish last year because I lacked money during that time. make moneyLast year a big portion of my income went to insurance and accepting land leasing. Anyway the leasing is a positive venture as I was able to help my brother and some people in our barrio which don’t have a permanent source of income. The income is approximately at 22% per year not bad enough than parking it at the bank and earning 1.5%. I just learned how to make your...
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My boss who became a Millionaire through writing
2007-09-07 11:30:00
When I was working in Riyadh, Saudi Arabia before in 1994 to 1997 I met a Fil-Am or Filipino American who was ashamed to admit that he has Filipino blood until one day he was forced to admit because lots of my officemates were talking about him in Tagalog. Tagalog is a Filipino national language. I don't know why he was ashamed of having a Filipino root but it is common to Filipinos who are living in United States or anywhere in the world, outside of the Philippines. Well, shamed on them.Anyway let's get straight to the main topic. Even if Randy Hiser is like that, I like him in terms of being a workaholic. He said to me that even if you are now working and had been out in school for too long, you should continue your studies because it is a continue process of learning especially in your own field. Until one day I read his name in Amazon.com selling a book which was authored by him and some other writers. I was amazed and was not contented until I read his biography or personal i...
More About: Writing , Millionaire , Boss

Give your child the best education you could afford
2007-09-06 21:07:00
Early training for our toddlers is essential for their future. As much as possible we need to give them the best training that we could afford to develop them as well rounded future leaders. But we should also find a systematic way of teaching which will not bore them. Another thing to consider is the price of the training. It should be affordable to every parent who wants what best for their kids. Innovative Tutor for the kids from four years old to 14 years old is best for self development in preparation for their future. Who knows your kid might be another Donald Trump in the making. make money
More About: Education , Child , Give , Duca

Online Store
2007-09-05 20:59:00
For the month of September, this is my first post and sorry for the delay, I was very busy lately. Anyway my topic today is about online store. I heard a lot about amazon.com, eBay and other stores online. Well, they are great and can generate you money if you know what to do or how to encourage people to buy your products in your page. The biggest challenge in online store is to let people know that it exists. So here you need to promote your site as much as possible. Second is even if they know that you have the store, they will not trust and buy instantly as they are afraid to use their credit card. If you have this problem, you need to educate the consumers and assure them that it is safe to use credit card. Another way is to accept check via post office.Each online store which you can choose to sell if you are doing it using affiliation has different terms like Amazon and eBay. There are auction store too which you get a percent of commissions if you able to sell there products...
More About: Store , Online , Online store

Dial a Flight
2007-08-29 04:04:00
Planning to go for a holiday need to be plan as well, you need to make it sure that even I you are far from your business everything will be taken care of. If you are not sure where to book I would recommend you to do it in Dial aflight, they are trusted by million of customers worldwide. They are a UK base company which you can access online but also through telephone. Browse their site to look for exotic beach holidays reservation. You can do it all there like airplane ticket reservation, hotel accommodation, car rentals and other reservation. Your beach holidays will be complete at their site. If you need to learn about travel information go there now and read. After you made up your mind, call them and suggest your package to them. By doing so your beach resort holiday’s vacation will not be a waste. There cheap flights package is best compared to other rates out there so grab it now. Choose their Holiday Offers that you feel best for you and book it now.The best beach holidays...
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Improve your business visibility
2007-08-24 19:42:00
One of the most important of having a business is to let the customers know that you have a business. In other words you have to advertise your business as much as possible to gain more clients and customers. More customers will lead to more sales.To have a large coverage of your business, you have to start a massive campaign starting from your own neighborhood and covering the whole country. If you have a large coverage, your business will prosper as long as it is equipped with good products or services you will succeed. If you are using Internet as a medium of advertisement then try to submit your URL to many directories or search engines. You can also join mailing list and forums. Submit your business address in distance search yellow pages which is free because they are in beta test period. make money
More About: Business , Improve , Improv , Prove , Sine

Save or Invest?
2007-08-24 19:35:00
It is important to note that saving and investing are two different things. Saving is usually associated with short-term goals, like building an emergency fund or buying a car, whereas investing is generally associated with long-term goals, like planning for your retirement.Saving means placing your money in an account that will keep your principal safe and earn you interest on your money. The good thing about a savings account is that the interest you earn, however low, is pretty much guaranteed. If you were to invest in stocks, the interest rate would vary, giving you a variable rate of return. Moreover, because it is possible than an investment could harm your principal, many people believe that savings accounts are a better idea for money that is needed in the short-term.There are several types of savings accounts that you can acquire. For a basic savings account, the minimum deposit requirement is low, usually from US$5 to US$200. Your money will earn interest at a relatively l...
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What is your lifestyle?
2007-08-24 19:30:00
Following a budget does not mean that you have to sacrifice the quality of your life. It is simply a way to ensure that you have control over your money and will be able to reach your long and short-term financial goals.The goal of a budget is to spend less than you earn, but what you do with the money you have left over each month is up to you. Extra money can be used to pay off debts, to boost investments or even just to enhance your family's lifestyle, whatever that means to you.make moneyIt is equally important to save up for personal items you may want but can't immediately afford. If you decide to take an expensive family vacation even though you don't have the money to finance it, you may put yourself in debt and ultimately sabotage your future financial goals. However, by saving for those "luxuries" you might otherwise not be able to afford, you can have them without guilt and, more importantly, without affecting your family's financial lifestyle. make money
More About: Lifestyle

Put a pad in your sport shoes
2007-08-24 15:27:00
My favorite shoes which I don’t want to mention here is one of the best but no matter how good it is for jogging or walking I still get blister in my heels. I asked my friend to buy me a pad or something that will protect my feet. Another problem is I have an athlete’s foot and my feet are sweating.I can tolerate my athlete’s foot and sweating but not my blister. Foot Care Product are necessary for your foot in order to maintain it clean and odorless. More people are not aware of their smell which can turn off their friends and acquaintances.Maintain your hygiene by observing cleanliness to your over all body. Follow good grooming habits. Take a bath always and cut your nails always. If you have calluses apply a lemon and rub it. Applying local or foods raw vegetable from the kitchen can save you money but blister needs an extra attention. make money
More About: Sport , Shoes , Spor

Auto Loans
2007-08-24 15:25:00
Sometimes there is no way around an auto loan. Most people need an automobile, and the cost of one is usually higher than most people can afford to pay in one lump sum. However, purchasing a car can be done sensibly or insensibly. The mistake many people make is purchasing more car than they need or can afford, which can quickly turn into bad debt.All cars are guaranteed to go down in value. A brand new car generally loses value the minute you drive it away from the showroom, and most cars continue to lose 15-20 per cent of their value each year. How much you want to pay for a car is up to you, but it usually makes more sense to spend as little as possible. After all, do you really want to shell out a huge amount of money for something that may be worth very little to you in several years?It is also a good idea to pay off your loan as quickly as possible. Many people buy expensive cars when they can't afford them and then use long-term loans to reduce the size of the payments they ...
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Investing
2007-08-24 15:20:00
Because the market changes and investments fluctuate in value, investing does involve greater risk to your principal than saving. However, if you do your research and make wide investment decisions, you can avoid losing the original principal, and the much larger monetary rewards associated with investing can make any short-term uncertainty well worth your while.make moneyDifferent financial instruments have different levels of risk. Generally, the higher the risk, the more you could gain or lose. The investments you decide to make will ultimately depend on how much risk you're comfortable with. Your age, financial situation, time frame and family commitments are all factors that you should consider when determining how much risk you are willing to take. If you are unsure, an IFA can help you ascertain your risk tolerance. make money
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Earn money in footage contribution
2007-08-23 16:44:00
Do you have a talent in cinematography? I used to dream that one day I could produce a world class film. Many young people these days are dreaming to become an actor because it is a big money. It is a short cut to fame and money. But there are few individual whose dream is to showcase their talent and imagination through movie or films. It is also one of the best, I meant I like being a cinematographer because it is you who will take films to the scenes. Showbiz is business. If you have a talent and what it takes to be then go for it. You might be the next Steven Spielberg or Oprah making millions a year.Footage is very important in film making whether it is an independent film maker or for documentary or for high or big budgeted films. If you hobby is filming like for example about bird mating or nature movements then upload it in the website and who knows there will be an interested party like producer to buy it. You will get half of the price as royalty. Alwayshd will control the...
More About: Money , Earn Money , Earn , Contribution , Tribu

Investing in bonds
2007-08-23 16:41:00
Bonds are known as fixed-income securities income is fixed at the time the issuer sells them. When you buy a bond, you are lending the bond issuer money in return for a fixed rate of return. This interest is usually paid quarterly, but is sometimes paid when the issuer repays the principal it borrowed from you.Governments and corporations are examples of large organizations that issue bonds. With corporate bonds, remember that some are safe and others are risky. High-yield bonds pay a higher interest rate, but they are issued by companies with a below investment grade credit quality. As such these bonds are known as "junk bonds".Most people who buy bonds do so because bonds are generally a safer investment. However, bonds do carry the potential risk of default, no matter how minimal that risk may be. make money
More About: Investing , Bonds

Investing in Stocks
2007-08-23 16:40:00
Publicly owned companies sell shares of stock to raise money for their financial needs. when you own stock, you actually own part of that company, and the value of your share rise and falls as the company's value changes.When stock prices go down, you don't actually lose anything unless you sell your stock while the price is low. You can recover your lose the next time the stock rebounds, but if you sell your stock when it is down, your loss will be final. Also realize that not all stocks that decline in value end up recovering.make moneyAs stocks do not offer a guaranteed return, it is important to choose them carefully. If you don't understand something, then don't invest in it. doing your homework and making an informed decision will give you a greater opportunity for return on your investment. make money
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Some Ideas to Save Money in your Car
2007-08-23 15:49:00
One of the culprits of extra monthly cost of living expenses, whether you have a business or personal is the used of car. Like for example if the AC of your car is not fixed, it will drain more gasoline. A car should always be conditioned to lessen the maintenance. It is better to buy a new one if you can afford with light color as it will not absorb too much heat from the sun. Also the engine is in good condition.I like any car but my favorite is Ford. Unfortunately I can’t afford a new one. I have a second hand Toyota Pick-up as of now. My cousin who owns Ford and Mercedes Benz needs some spare parts of the car especially Ford. I told her about Taurus Radiator from radiator.com is cheap compared to other store. Radiator.com has standby mechanics to do the job if you don’t prefer to do it by yourself.Since the middleman is eliminated then you can assure of quality and price is low because it is direct from the factory. If you go to other store, more likely you will wait and ove...
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Life Insurance
2007-08-23 15:47:00
If your family depends on your income for their financial survival, then you will want to ensure that they are protected in case something happens to you unexpectedly. Life insurance pays your beneficiary upon your death and can help satisfy final expenses,replace the lost of your income, send your children to college or even pay off a mortgage.When you buy life insurance, the premium you pay will depend on factors such as your age, sex, and health. There are two basic policies that you can purchase. With term life insurance, you pay premiums for a specified term and receive coverage during that term. At the end of the term, you may have to renew your policy for a higher rate, depending on how much your situation has changed. make moneyWhole life insurance costs more than term life insurance, but it builds cash value over time. This means that you could potentially submit the policy for its cash value or take out loans against it. Moreover, the premium and death benefit for whole li...
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Basic of Mutual Funds
2007-08-23 15:40:00
Mutual Funds are a way for investors to pool their money so they can invest in many different stocks. Each investor is charged a percentage of his or her investment as a fee to pay for a professional fund manager and various other expenses, including researching, buying and selling stocks.Mutual funds are a good alternative because they diversify your portfolio among a larger number of stocks than you could achieve by purchasing individuals stocks. Moreover, they don't require a lot of money to get started. Like stocks, some mutual funds are riskier than others, so you will want to be sure to read the fund's objectives and know exactly what it invests in.make moneyMutual Funds tend to be less risky than individual stocks because their investment in any one stock is small compared to their entire holdings. If one company crashes, it will not have a huge effect on he fund as a whole. make money
More About: Mutual Funds , Basic , Mutual , Mutu

Cheap but Memorable Gift
2007-08-23 15:36:00
My friend will get married this coming September 08, 2007. He called me up and invites me to come in that special day of his life. I ask him what gift I could give him, of course it must be cheap and affordable. Mostly, in our place we give gift like kitchen wares and appliances but I feel that it is common and make me feel nonsense. I am looking for something unique which the bride and groom feel that it is a worth and unique. So I shop around the city but to my dismay I never found one. So I went online to search for more gifts which are unique and affordable. A gift needs not to be expensive to be appreciated. Wedding Ideas are also available in the net. Whether you want it to be more memorable or affordable, it is the site. It has it all from gifts to dresses, advices and accessories. I found my gift there and purchased it online. make money
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Benefits of having a credit card
2007-08-23 14:55:00
Credit card is perceived to be a main cause of credit which everyone suffers to pay. But before you made a final decision you must also weigh the pros and cons of it. Having a credit card will test you in terms of discipline and self control with regards to money matters. Having a credit card can help you during emergency. Like for example if you will be hospitalized, god forbid, you can use your credit card and there will be less scrutiny in your part.You can also use it if you plan to loan money from the bank. The will use it as a basis of knowing if you’re a good payer and of course they will deduct your loan from it. If you are interested, look for a good bank which will offer you some extra benefits like no charge for 13 months. A low rate apr credit card is available online at Mints. Take time to review before deciding to get one. If you feel that it is really necessary then go and have one. make money
More About: Card , Credit , Credit Card , Benefits

Health Insurance
2007-08-23 13:40:00
Sadly, accidents and serious illness happen to people of all ages. If you don't have health insurance, then you may not be able to afford medical care when you really need it. Ask yourself what you would do if you or someone in your family needed minor surgery. It may not sound serious, but even a seemingly simple procedure could end up costing you well over US$10,000. Would you be prepared to pay this bill on your own? With health insurance, your family has the benefit of obtaining quality medical services when they're required. More importantly, your insurance company will pay for a portion of your medical bills, so you'll neither suffer a large financial burden nor be forced to borrow money or compromise your family's lifestyle.make moneyMany people are lucky enough to covered under a health care plan provided by their employer. However, of you don't have the benefit of a group plan through work, you can purchase an individual health insurance policy on your own. make money
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If you are in Orlando
2007-08-23 12:20:00
My friend who went to visit Orlando last summer said that it is worth a visit. He with family members books it online. It includes air fare, car from the airport to the hotel fees. The vacation package was cheap and affordable. While they were in Orlando, they enjoy the rides and visiting Universal Studio. As we know there are lots of things to do in Orlando like going to beach which is 45 minutes only from the city center. Playing golf and visiting some of the 52 themes park of Walt Disneyland. They stayed there for a week and went back to Canada. He showed me a lot of photos and their video taken from Orlando. I was really amazed and did my vacation their after a year. I would recommend this place because it is affordable and entertaining place on Earth. If you have not book yet try visiting orlando hotels website and choose one which will fit to your taste and lifestyle. make money

Providing for your children
2007-08-23 11:15:00
For the average family, it can cost over US$ 200,000 to raise a newborn child to age 17. However, if you consider the amount of money it will cost to send your children to college, that figure is just the beginning. Today, one year at a private college or university can cost over US$30,000. Even moderately priced or more inexpensive schools can present to financial challenge to many families.What's important to remember while your children are young is that time is money. If you have a lot of time, then compound interest can make your money go a long way, even if you start with very little.Suppose you deposited US$500 in a money market account for your newborn with an annual percentage rate of five percent. If you deposited just US$1 a day in the account for the next 17 years, your child would have close to US$10,000 to use for college. Imagine what this amount be if you had deposited even more over the years, or if you left the money for even longer.If you put any amount of money ...
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Saving for emergency
2007-08-23 10:54:00
While insurance can act as a lifesaver, it may not cover more mundane crises like job loss or expensive auto repairs. If you have no savings or investments to assist you in emergencies, you may have to borrow money or rely on credit cards, thus racking up significant debt that could take you ages to pay off.By building up a substantial savings account, you will have to access to immediate funds when you find yourself in desperate need of cash. Most financial planners recommend that you keep three to six months of income in this account. A money market account will pay you higher interest than a regular savings account, but make sure your account has check writing privileges so you can get to your money when you need it.Since most people do not have six months of income readily available to place in a savings account, it is a good idea to build up your account gradually. If you wanted to build your emergency fund by one month every year, you would have to save 8.3 percent of your inc...
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