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May 6, 2016

Properties the Presidential Candidates’ Money Could Buy



Looking at the 2016 presidential candidates’ personal net worth is a good way to understand how they manage their wealth, and how they might manage the Philippine economy should they get elected

There are only days left before the 2016 presidential elections, yet many voters continue to look for additional information regarding the candidates. While not the be-all-and-end-all in selecting the next national leader, their net worth is a good indicator of how they manage their personal wealth, and how that possibly translates into their ability to lead the growth of the Philippine economy should they get elected.

To that end, we list the individual net worth of Vice President Jejomar Binay, former Interior Secretary Mar Roxas, Davao City Mayor Rodrigo Duterte, and Senators Grace Poe-Llamanzares and Miriam Defensor Santiago based on their latest Statements of Assets, Liabilities, and Net Worth (SALN), and attempt to quantify these by exploring the real estate possibilities that could be afforded by their personal wealth.

Manuel “Mar” Araneta Roxas II

Total Assets: Php283,963,237
Total Liabilities: Php81,882,784
Estimated Net Worth: Php202,080,453

Officially the richest of the 2016 presidential candidates, most of former Department of Interior and Local Government (DILG) Secretary Mar Roxas’ fortune was built from his time as an investment banker in New York, and from being a scion of the Araneta-Roxas family, which has various business interests and landholdings.

Residing in Metro Manila

It would make sense to invest in a home in Metro Manila for someone like Mar Roxas. With finances like his, a home in Pasig is not out of the question, like this six-bedroom, six-bathroom Valle Verde home currently on the market for Php165,000,000.

Investing in the Province of Capiz

Having served as Congressman of the First District of Capiz, an easy assumption to make is that Mar Roxas would be interested in investing in his home province. A net worth such as Roxas’ could accommodate the acquisition of a 3,000-sqm mountain resort in Dumarao, Capiz, 23 times, which is currently valued at Php8,500,000. This property features: family and barkada rooms, dormitories, swimming pools, a grotto, and natural waterfalls.

Buying a Commercial Lot

Roxas previously went by the moniker Mr. Palengke in past political campaigns, and it would be an apt coincidence if he ever decided to invest in a commercial lot to use as a public market. His net worth would easily allow him to acquire such a space in A.S. Fortuna Street in Mandaue City, Cebu (three of them, in fact), which is currently listed for Php53,955,000. The 981-sqm lot is at a prime location, ideal for retail activity.

Mary Grace Sonora Poe-Llamanzares

Total Assets: Php126,955,615
Total Liabilities: Php37,490,796
Estimated Net Worth: Php89,464,819

The youngest candidate, Grace Poe’s SALN actually dropped from her previous ranking, as assets inherited from her late father, movie star Fernando Poe Jr., were removed due to a rule stating such properties should not be declared. Still, she remains the second wealthiest with a fortune comprised of investments and other assets.

Investing in Iloilo

Grace Poe was once an abandoned baby discovered in Iloilo City. Should she ever want to reside in the city, she could do so from a Php16,000,000 three-door apartment near the Jaro Metropolitan Cathedral where she was found by a parish priest. With a total floor area of 402-sqm, the property has three units with five or six bedrooms each, making it an ideal rental investment as well.

Residing in Alabang

It is uncertain what Poe’s next step would be should she not win the presidential elections. If she decides to retire from politics and resume the type of living she had while in the United States, a good investment would be on an American-style home in Portofino in Las Piñas. With four bedrooms, an attic, a two-car garage, and a private inner courtyard, its Php36,246,000 price is well within Poe’s budget.

Investing in Land for Educational or Philanthropic Use

Also known as an educator and philanthropist, Poe could build her legacy as such if she ever decided to forego politics. With her net worth, she can buy a farm lot in Cebu. Currently valued at Php35,000,000, it has an existing rest house and 26,622 sqm of land, which can be dedicated to building an educational facility or remain as a farm where the less fortunate can seek employment.

Miriam Defensor Santiago

Total Assets: Php123,033,539
Total Liabilities: Php50,000,000
Estimated Net Worth: Php73,033,539

Widely recognized for having served in all three branches of the Philippine government (judiciary, executive, and legislative), Miriam Defensor Santiago is arguably the most qualified to hold office in Malacañang. Her fortune has been mostly built on legal and political grounds that has spanned over four decades.

A Residence for Sharing Knowledge

The value of education is evident in Santiago, who has earned degrees from multiple schools. As she is often invited to speak and share her legal and political knowledge in different schools, it would be advantageous for her to own this three-story home in Filinvest 2, which features five bedrooms and six toilets and baths. Listed at Php16,000,000, the home is 10 minutes away from University of the Philippines Diliman, one of Santiago’s alma maters, where she taught law for 10 years.

Investing in Office Space

Santiago’s career has been of pure legal work and local politics. The most ideal real estate investment for her would then be an office space in the event she wants to open another office for her legal practice. One such property that fits her SALN would be a Php43,000,000 office space in the Salcedo Village, Makati. Its floor area of 465 sqm is perfect for a large number of legal professionals.

Expectedly, the incumbent senator may prefer a space with a better proximity to the Philippines’ different national offices, making Manila the ideal locale for most firms. Santiago’s net worth would be enough for a Php36,000,000 office space in Taft Avenue that features a building size of 448 sqm.

Jejomar “Jojo” Cabauatan Binay, Sr.

Total Assets: Php76,301,436
Total Liabilities: Php16,050,453
Estimated Net Worth: Php60,250,983

Despite allegations of corruption and tax evasion, Jejomar Binay is running for the country’s highest office after serving as vice president since 2010. He has the longest tenure in politics among the presidential candidates, and for the most part has amassed his wealth as a career-politician.

A Home in Makati

Having served as Makati’s mayor since the 1980s (although briefly interrupted when his wife won a single term), it is expected that Binay would invest in the city he claims he had the biggest hand in developing. The city’s properties are some of the priciest in the country, and Binay’s entire declared net worth can be spent on just one Makati home, like one in Magallanes Village. Boasting three bedrooms and a land size of 568 sqm, it is currently priced at exactly Php60,000,000.

Commercial Spaces Outside Makati CBD

Anyone with a high net worth should not make the mistake of not investing commercially in Makati. As the country’s foremost financial district, the returns are almost guaranteed for any commercial space. A net worth of Php60 million is more than enough to get a good investment in the city, like a new five-story building in Makati’s Brgy. Tejeros. With a land area of 590 sqm, it can accommodate a number of businesses, and its selling price of Php26,380,200 leaves more of the Binay net worth to invest.

Invest on Island Property

That additional investment could be on an island. As Binay receives much scrutiny and allegations, he may want to consider living on a private island to distance himself from it all. Currently listed on Lamudi is one in Bantayan, Cebu, with a land area of 5,011 sqm and has a selling price of Php25,000,000.

Rodrigo “Rody” Roa Duterte

Total Assets: Php22,971,732
Total Liabilities: Php1,000,000
Estimated Net Worth: Php21,971,732

Another career lawyer and politician, Rodrigo Duterte has served as mayor of Davao City for seven terms (or over 22 years). Known for his hard controversial stance on criminals and modest lifestyle, he is considered the “poorest” of the presidential candidates with his comparatively small net value.

A Larger Home in Davao

Duterte’s supporters have documented how the Davao mayor lives modestly, so one who has served the city for more than two decades may want to invest on a grander home. If he is to invest almost the entire Duterte net value on a home, a five bedroom, five bathroom house and lot is currently listed on Lamudi for Php15,900,000. It has a floor area of 328 sqm, and features a master bedroom with a walk-in closet, and a laundry and service area, among others.

Land for a Possible Rehabilitation Center

Although controversially supportive of the extra-judicial killings of habitual drug users and dealers, Duterte is also acknowledged for having used city government funds to build a Php12 million drug rehabilitation and treatment center, which provides 24-hour services. Should he decide to do this as a private citizen, his net worth would be substantial for the purchase of land in Davao City with the costliest listing on Lamudi being Php15,000,000, and located near Bonifacio with a land area of 913 sqm.

Contibutor:

LAMUDI
Launched in 2013, Lamudi is a global property portal focusing exclusively on emerging markets. The fast-growing platform is currently available in 34 countries in Asia, the Middle East, Africa and Latin America, with more than 800,000 real estate listings across its global network. The leading real estate marketplace offers sellers, buyers, landlords and renters a secure and easy-to-use platform to find or list properties online. For more information, please visit http://www.lamudi.com.ph

May 1, 2016

Pinoy Investor: What our members say about Pinoy Investor?



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Contributor:
Pinoy Investor is the ultimate resource for making smart stock investment decisions in the Philippines! Why? Because it is the country’s most extensive source of stock market research, analyses, and reports – prepared by the Philippines’ top brokerage firms!

The OFW's Guide to Investing in Philippine Stock Market


OFWs are generally leaving their families to find better job opportunities abroad with purpose of helping their loved ones. With their hard-earned money, they open savings account in the bank to earn interest. Others invest in mutual funds and real estate by buying house or condominium unit. However, investing stock market is one option to diversify your investment.
Because investing in stock market involves volatility and offers no guarantee, OFWs are quite reluctant to take the risk. Moreover, because of lack of knowledge, some people find the idea of investing scary and daunting. Therefore, it is important to seek help and advice before you begin your financial journey in the stock market.
Educate yourself before you invest
As newbie investor, the best way to minimize risk and gain potential return in the future is to educate yourself. How? Do research by addressing these sample questions that will guide you along the way.
  • What is my financial goal of investing in stock market?
  • Is the stockbroker accredited or not?
  • Should I go for trading or investing for a long-term?
  • When is the right time to buy and sell stocks?
These questions can be answered by searching Google, watching TV program on financial literacy (ANC on the Money and Peso and Sense are good examples), and finding mentor with investing experience. You cannot afford to lose your money because you didn’t do your part and educate yourself as a future investor. As an investor, it is your responsibility to learn how stock market works.
How to earn in stock market
There are two ways to make money from stock market: dividend and capital appreciation. As stock shareholder of the company you are entitled to receive dividends depending on the performance of the company. Capital appreciation is the rise of price value per stock over time. Some stockbrokers provide online platform where transactions can be done online for clients. As an OFW in Saudi Arabia or Singapore, you will now have opportunity to access your portfolio.
Have an emergency fund 
It is advisable to have emergency fund for at least three to six months worth of your monthly expenses before you invest in stock market. For instance, if your monthly expense is 30,000 pesos you should have at least 90,000-180,000 pesos.  Your emergency fund will protect your stocks from unforeseen need like accidents, health issues, and unexpected expenses. In this case, you do not have to sell your stocks from time to time because you have emergency fund. It will also allow you to continue your current lifestyle without going into debt.
Deal with license firm and broker 
With many fraudulent investment scheme, it is necessary to verify whether the stockbroker you are dealing with is accredited by Philippine Stock Exchange (PSE). A complete list of accredited stock-brokerage company can be found at PSE website. Be sure to transact directly with a legitimate firm or its licensed representative. Before you open account, be cautious about people who are giving you misleading claims and promising high return of investment in short period of time.
Stock investing requires discipline
Stock market investing requires a lot of discipline in the beginning. As an OFW, oftentimes you are obliged to send all the money to your loved ones. However, you need to set aside reasonable amount regularly to buy stocks if you want to grow your money. The stockbroker like COL Financial usually requires a minimum amount of 5,000 pesos as initial fund. Succeeding amount depends on the clients as long as it will not be lowered that 1,000 pesos so that you will not be incurred of bank charges. Investing in stock market will give you opportunity to be cautious on how you spend your money. Discipline and sound spending habits is another key to financial success.
Contributor:
Jun Amparo started blogging since 2015. He loves to write short stories, reflections, and articles about personal finance and investment. He is a financial advocate and also a member of the Truly Rich Club. You can reach him at admin@richlyblessedtoday.com.

Apr 27, 2016

2015 Income of Top PH Property Developers


The biggest real estate players in the Philippines recently released their respective income reports for the year 2015, and as expected, the overall financial trend is predominantly good for almost all real estate companies. Online real estate portal Lamudi Philippines has listed down and analyzed the performance indicator of the country’s top real estate developers for 2015.

The highest income for 2015 goes to Ayala Land Inc. (ALI) at Php17.6 billion, 19 percent higher from the real estate giant’s 2014 figure of Php14.8 billion. The jump in profit was attributed to ALI’s diverse offering of residential and commercial products, especially its master-planned estates all over the country. ALI also amplified its presence in key growth centers and introduced three new integrated mixed-use estates in 2015. These are the 11-hectare Cloverleaf project in Quezon City, the nine-hectare Capitol Central in Bacolod, and the 700-hectare Vermosa in Cavite. Also highly anticipated is its Arca South project in Taguig and Vertis North in Quezon City. Early this year, the Ayala group has gained control of land-rich Ortigas & Co., along with the Sy (of the SM group) and Ortigas families.

Also coming strong is property giant Megaworld Corp., whose net income soared 10.58 percent from 2014’s Php9.40 billion. The company breached the Php10 billion mark in net core income for 2015, at Php10.40 billion. True to its title as the builder of live-work-play developments in the Philippines, Megaworld launched five integrated townships in 2015, marking a total of 20 integrated township developments across the country. Adding to the company’s success is the exponential growth of their rental business, especially BPO offices, for the last five years. As early as now, Megaworld Chief Finance Officer Francis Canuto shares that they are confident that they will reach the Php11 billion target by end of this year.

Federal Land of the GT Capital conglomerate recorded an Php8 billion profit for 2015, a 5 percent growth versus their Php7 billion in 2014. The company says it will continue to push its presence in the property industry with strong focus on residential development. “We eye high-end and middle-income projects for Federal Land and Horizon Land, whichever is best suited for our present land bank,” Federal Land Chairman Alfred V. Ty said.

Not to be outdone, Manny Villar–led Vista Land and Lifescapes Inc. announced a 14 percent yield growth in 2015 with earnings amounting to Php7.2 billion from Php6.3 billion in 2014 as it combined the income of recently acquired Starmalls Inc. The bulk of Vista Land’s 2015 profit, though, was earned by the Vista Land real estate group. Alone, it secured a 10 percent profit growth from their Php6.3 billion earnings for 2015. The company said that its Communities Philippines brand contributed almost half or 44 percent of the said revenues, followed by the Camella brand (12 percent), Vista Residences (12 percent), Starmalls (10 percent), Crown Asia (5 percent), and Brittany (4 percent).

The resilient performance of Filinvest Land Inc. of listed conglomerate Filinvest Development Corp. resulted to an 11 percent rise in consolidated net income. One of the country’s largest residential developers and BPO office providers recorded a Php5.10 billion profit for the full year 2015, from Php4.61 billion in 2014. Revenues from rental assets alone increased to Php2.95 billion in 2015, 12 percent higher than the Php2.63 billion reported a year earlier. Filinvest operates 14 buildings in Northgate Cyberzone in Alabang and one building along EDSA in Mandaluyong, which according to Filinvest, all of which are fully occupied.

Also at Php5.1 billion, SM Development Corporation, the residential division of SM Prime, clinched an 8 percent growth from their Php4.7 billion reported in 2014 despite flat revenues. However, this real estate sales figure is just 31 percent of the consolidated revenue of SM Prime, which recorded a 54 percent year-on-year uptick to Php28.3 billion for 2015. The profit was buoyed by a Php7.4 billion one-time trading gain on marketable securities booked in the first quarter of 2015. Without the nonrecurring item, the net income of the integrated property firm climbed 14 percent year-on-year to Php20.9 billion last year, a tad faster than the 13 percent jump to Php18.39 billion year-on-year to 2014.

Robinsons Land Corp. disclosed an unaudited consolidated net income of Php5.70 billion, 20 percent up year-on-year from Php4.73 billion. Sales went up 16 percent to Php19.73 billion, mostly driven by the double-digit growth of all its business segments led by Gokongwei-led company’s office buildings.

Unfortunately, not all property developers are lucky to experience the upsurge of profit for 2015. Shang Properties and Rockwell Land reported flat performances. Shang grew from Php2.7 billion to Php2.8 billion, primarily due to higher condominium sales and rental revenue, while Rockwell Land maintained their Php1.6 billion 2014 profit. This is the slowest annual performance for the company since 2011.

Century Properties, on the other hand, revealed that its net income dropped to Php1.519 billion in 2015, down 29.6 percent from Php2.158 billion in 2014. The upscale property developer noted a substantial decrease in sales because of projects that were turned over in 2015 and prior years. There were also fewer project launches in 2015 and the company focused on turning over, completion, and collection, shared Teresita Fucanan Yu, Century Properties’ vice-president for corporate communications.

Contributor:
Lamudi is a global property portal focusing exclusively on emerging markets. The fast-growing platform is currently available in 28 countries in Asia, the Middle East, Africa and Latin America, with more than 600,000 real estate listings across its global network. The leading real estate marketplace offers sellers, buyers, landlords and renters a secure and easy-to-use platform to find or list properties online. For more information, please visit http://www.lamudi.com.ph

Apr 19, 2016

7 Principles to manages your Income


There are many ways how to spend your salary and pamper yourself.
You can order  a barbecue chicken at Mang Inasal worth 300 to 500 hundred pesos. If you prefer eating in a fast food you might try to order Bucket Treats A at Jollibee for 200 to 400 pesos. With this you can have six  pieces of chicken joy, rice, mango pie, soda, and spaghetti.
Pwede ka ring manood ng sine sa SM cinema sa halagang 200-500 pesos. I think your preference to watch in a big screen would certainly give you a priceless entertainment compared with a small screen TV. What do you think?
Pwede ka ring magpa-rebond ng buhok for 800-1,500 pesos while waiting for your friend. O kaya naman ay bumili ng lotto ticket  baka sakaling tatama ka ng one milyon!
In other words you can spend your money in many ways. At ang good news pa, madali lang i-spend ang pera, di ba? Walang kahirap hirap.  I think in less than an hour eh parang bulang naglaho! Ang bilis di ba?! Lalo pa ngayon ang mahal-mahal ng bilihin eh sa’n pa kaya makakarating ang 5,000 pesos mo. Inflation rate in the Philippines is about 4 percent every year.
Let’s be clear. I am not saying you don’t have to spend money. My point is, sa bilis gastusin ng pera you have to be very careful how you spend our hard-earned money.
Let me share with you the 7 principles to handle your finances:
1. Live with your income
If your husband from Singapore is sending you 30,000 pesos every month and your monthly expenses is 45,000 pesos, eh talagang babaon ka sa utang, di ba? (eh di wow!).  Last week lang nakakita ka ng sales ng Gucci bag sa Robinson tapos binili mo kahit sangkaterbang shoulder bag na ang nasa locker mo.
Moreover, you decided to upgrade your mobile phone from iphone 5 to iphone 6 plus. Practically speaking, if you have problem with managing your finances, chances are marital problems are inevitable, right? Para lang si Popoy and Basha na laging nag-aaway sa pera, di ba? But when you live with your income you will  avoid unnecessary expenses or debts in the future.
2. Create a budget plan
Have you heard this statement: “San na nga ba napunta ang sweldo ko?” or  “Akinse pa lang pero bakit ang bilis naubos ng sweldo ko!”  I think one of the main reasons why you spend more than your income is that you don’t have a concrete budgeting plan. When you write down your monthly expenses in a budget plan like rentals and utilities, you will be able to manage your money wisely.
How do you create a budget plan? Make an excel file of your monthly expenses and track where your money goes. Some mobile phone has application about budgeting. If you’re using Samsung mobile you can download apps  like My Budget Plan, Spending Tracker, and Daily Expenses or other related application. When you create a budget plan you will avoid buying unnecessary stuffs, thus helping you to manage your finances efficiently.

3. Set money for emergency fund
Emergency fund is important. Even tiny insects like ants remind us how to save for rainy seasons (Proverbs 6.6). Pano kung nagkasakit ka o nawalan ka ng work unexpectedly? Ang hirap mangutang at manghagilap ng pera kung wala kang naitatabi, di ba?
How much money you should set aside for the emergency fund? Good question. Financial advisor usually suggests that emergency fund must be about three to six  months of your monthly expenses which is readily available in case you need them. You can keep them in the bank. Kung 10,000 pesos ang monthly expenses mo, that means 30-60,000 pesos dapat ang emergency fund mo. Siguro naman in three months time or at least before 6 months eh nakahanap ka na uli ng work o kaya magaling ka na sa sakit mo.
4. Get life or health insurance
Hold on. Is getting an insurance means you don’t trust the providence of God? Of course not. I know that as long as your relationship with God is growing, you are insured in heaven. But that is beside the point. Insurance will not just protect yourself but also your family.
I was in Grade 5 when my father died. My mother is receiving monthly pension aside from a lump sum  few months after my father died. I couldn’t imagine a breadwinner of the family passes away and leaving his children and wife penniless! With life insurance, your family will be protected.
There are four general types of insurance:

Insurance that offers a combination of protection and investment or we call it variable unit-link (VUL) is a good choice.  Ngayon kung wala namang masamang nangyari sa ‘yo and you live a little longer,  you can withdraw your funds. The good thing about insurance is that it is non-taxable. That means the government will not get portion of your investment.
5. Set long-term goals
Why long term? Kasi may mga bagay na with your limited fund eh takes time talaga bago mo mabili. Like buying a house and lot which usually amounting to more than 1 million pesos. Better to invest early. Educational fund is also an important thing you have to consider. Habang nasa grade 2 pa lang anak mo, better to sets an investment early like in mutual funds, stocks, bonds, and other investment instrument depending on your risk appetite.
Remember, your greatest asset in investing is not your neighbor who gives you “pautang” but TIME. So, invest early.
6. Plan for your retirement
Ang retirement fund ay perang itinatabi natin every month para sa ating pag reretiro. Why? Gusto mo bang mamasada pa ng jeep kahit sisenta ka na?  O kaya magtrabaho sa Saudi o Dubai kahit singkwenta anyos ka na? Syempre hindi di ba? You will not be working for the rest of your life! Find an investment vehicle which gives you investment opportunities for retirement. Some of these are investing in mutual funds, cooperatives, stock markets, insurance, and others.
You’re thinking of retiring at age 55 or 60 and enjoying time with your family and grandchildren. Perhaps traveling with your husband in Maldives and doing noble endeavors  charity work.

7. Find ways how to use your God-given talent or skills
Remember the story about multiplying our talents (Matthew 25:14-30)? The  Master said I will give you talents (or money) to manage and I will be back after 5 years. Interestingly, iba iba ang amount or value ng talent: yung isa 5 talent, yung isa 2, then another one is just 1 talent. The implication is that  God gave us different talent according to our ability.
Pwedeng teacher ka sa Thailand, o kaya engineer sa Dubai, or caregiver sa Canada. Iba-iba ang skills at ability natin. Yung dalawang  servants tumubo ang pera nila kasi ginamit nila ang talent nila wisely. But the other one  buried his talent kasi natakot sya baka malugi.
The point is with God-given talent you can used them to earn more or multiply your cash flow and be effective in your ministry. Your full potential in teaching, writing, drawing, dancing, web designing, and computer programming will be a source of income if you used them wisely. With your money I’m sure your thinking of not just about eating at Mang Inasal but how to grow your money. And oh! By the way, remember to return your tithes and offering.
Again, saan naman kaya pupunta ang sunod na sweldo mo?
Contributor:
Jun Amparo started blogging since 2015. He loves to write short stories, reflections, and articles about personal finance and investment. He is a financial advocate and also a member of the Truly Rich Club. You can reach him at admin@richlyblessedtoday.com.

Apr 13, 2016

Pinoy Investor: How can we help in your stock investing?


Do you know that everything you need to succeed in the stock market you can find in Pinoy Investor?

1. If you want quick short-term gains, you may rely on our Technicals Talk to give you trading recommendations. These reports come with Resistance and Support price guides to make it easier for you to trade stocks.

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5. Or if you simply need guidance or have a question about stock market investing, we're here to help! Just send us a note via the Member's Helpdesk and we'll reach out to you!

Indeed, everything you need to succeed in the stock market is in PinoyInvestor.

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