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Dec 7, 2015

25 Things we have Learned from Philippine Real Estate in 2015



It goes without saying that 2015 is looking to be quite a good year for Philippine real estate. Although condo sales were not on par with what was recorded in 2012 (considered a banner year for Metro Manila’s condo market), other segments of the industry are posting stellar growth, particularly houses and office real estate. Lamudi Philippines (www.lamudi.com.ph) looked into its 2015 data and compiled a list of key observations that, hopefully, will guide the industry through years to come.

1. If you want a cheap condo, look at Las Piñas
At a Php 49,849 per square meter, buying a condo in Las Piñas is likely to be cheaper than anywhere else in the metro. At the opposite end of the scale, Makati is the most expensive, with condos in the area costing an average of Php139,012 per sqm. This means that a 60-sqm condo in Las Piñas will set a buyer back Php2.99 million, while the same in Makati will cost Php8.34 million.

2. 59% of houses for sale in Makati are worth more than Php100 million
It goes without saying that Makati is the Philippines’ priciest city to buy any type of real estate. In fact, Lamudi data shows that 59 percent of all listed properties in the city in the first quarter of 2015—most of them in swanky neighborhoods and exclusive communities—have asking prices of more than Php100 million.

3. Outside Metro Manila, Cebu City tops the pricy list
In the Queen City of the South, half of all listed houses for sale are priced Php8.5 million and up, making is the most expensive housing market outside Metro Manila. In fact, some homes here are fetching as high as Php150 million, rivaling opulent houses in Ayala Alabang and San Juan’s Greenhills Village.

4. How much salary do you need to afford a condo?
To afford a 60-sqm condo in Metro Manila, a buyer needs a monthly salary of Php128,323, according to Lamudi’s calculation. This assumes that the buyer spends not more than 30 percent of his monthly income on mortgage repayments (including principal and interest) and makes a 20 percent down payment on the property, following most banks’ 80/20 loan-to-value ratio. The average price of condos in Metro Manila is Php90,633 per sqm.

5. Houses rule!
House-hunters by a huge margin are still researching about houses or landed properties online. About a quarter of all searches for for-sale properties conducted in Lamudi from January to June of 2015 involved houses, compared to just 2.28 percent for condos.

6. An average family needs 32.25 times of its annual income to afford a home in Metro Manila
Based on Metro Manila’s median house price of Php8.8 million, an average Filipino family with an annual household income of Php273,000 (according to data from the 2012 Family Income and Expenditure Survey) will need 32.25 times of their annual income in order to afford a home in Metro Manila. City-wise, Caloocan offers the most affordable homes: median home price here (Php787,750) is 2.88 times of the annual household income.

7. Quezon City most popular among online property-hunters
Quezon City—Metro Manila’s largest city—had the greatest volume of online search traffic, according to Lamudi’s onsite data for January to June 2015. Search volume for the city grew, on average, 22 percent per month during the same period.

8. Metro Manila condos getting smaller
Looking at its listings data, Lamudi found that 42 and 41 percent of Metro Manila’s for-sale and for-rent condo inventories have floor sizes measuring 50 sqm or smaller—an apartment size many would consider as “shoebox.” This finding has been corroborated by a research conducted by Colliers International. According to its 2014 fourth quarter report, of the more than 30,000 preselling condo units expected to be delivered in the Makati CBD, Fort Bonifacio, Rockwell Center, Ortigas Center, and Eastwood City from 2015 to 2018, 75 percent are studio and one-bedroom units, ranging in size from 18 to 90 sqm.

9. Cities outside Metro Manila have highest surge in search traffic
Bacolod tops the list of Philippine cities that experienced a spike in search traffic in the first quarter of 2015, increasing 279 percent from the fourth quarter of 2014 (October–December) to the first quarter of 2015 (January–March). Bacolod is followed by Antipolo, Tagaytay, Baguio, Davao, and Bacoor, whose search traffic surged 118, 105, 95, 88, and 80 percent, respectively.

10. Quezon City has the most affordable office spaces for rent
Companies looking for an affordable office space to rent should head to Quezon City to find cheap commercial properties. Lamudi data show that office rents in Metro Manila’s largest city average Php503.79 per sqm per month.

11. And Taguig and Makati have the most expensive
Taguig and Makati offer the most expensive office rents anywhere in Metro Manila. According to Lamudi, office rents in these two cities average Php763 and Php635 per sqm per month, respectively. Makati’s priciest office spaces command monthly rents as high as Php1,400 per sqm, while Taguig’s go as high as Php1,000 per sqm per month.

12. Women drive house-hunting
In the Philippines, women are the primary users of real estate websites. According to Lamudi, 64 percent of online property seekers in the Philippines are women. This finding is consistent with research conducted in the West, which has shown that women are the primary users of online property portals. This makes the Philippines one of few Asian countries where women are on equal footing with men in terms of educational, economic, and political opportunities—and in making homebuying decisions.

13. Size matters in investment condos
If you buy and hold, go for bigger condos, those with three bedrooms or at least 150 sqm. Although these condos are definitely more expensive than smaller ones, they offer good returns in terms of capital appreciation. According Colliers International Philippines, luxury three-bedroom condos in the three markets it monitors (Makati CBD, Bonifacio Global City, and Rockwell Center) are expected to appreciate in value by between 5.1 and 6.3 percent by the end of 2015.

14. Forbes Park is the most expensive subdivision in the Philippines
Average monthly rents in the very exclusive Forbes Park—home to business tycoons, foreign dignitaries, and boxing icons—stand at Php402,459, making the enclave the most expensive area to rent a house anywhere in the Philippines.

15. Filipino-Americans prefer houses
Despite the condo boom happening in Metro Manila and other major cities across the Philippines, it seems that many Filipinos based in the United States still prefer to purchase houses, at least according to January–June 2015 search data from Lamudi. More than half (57.83 percent) of all searches in the Lamudi website were for houses, followed by condos (16.58 percent). The most searched cities? Quezon City, Makati, Manila, Tagaytay, and Baguio, in this particular order.

16. Cities affordable for first-time homebuyers
There are cities surrounding Metro Manila abound with affordable options for first-time homebuyers. These cities include San Jose Del Monte, Bulacan, where average home price stands at Php495,999; and followed by San Mateo, Rizal (Php549,259); Dasmariñas, Cavite (Php1.189 million); Imus, Cavite (Php1.858 million); Bacoor, Cavite (Php2.777 million); Antipolo, Rizal (Php3.668 million); Santa Rosa, Laguna (Php4.16 million).

17. Condos close to train stations are more expensive
An average condo located within 100 meters of an MRT station is at least Php16,645 more expensive per square meter than a similar, newly built condo situated more than 500 meters away, according to listings data from Lamudi.

18. Ayala Center, Century City, and Rockwell Center lead most expensive list
Ayala Center—the commercial core of the Makati CBD—commands the most expensive condo rent per sqm than any area Metro Manila. Living in the area, which is within striking distance of Greenbelt, Glorietta, and most of Makati’s luxury hotels, can set a renter back Php1,144 per sqm per month, meaning a 100-sqm condo here can command monthly rent of more than Php110,000. Following Ayala Center are Century City and Rockwell Center in Makati’s Poblacion area, where condos command monthly rents of Php986 and Php973 per sqm, respectively.

19. Pricier condos are not necessarily bigger
On a per-square-meter basis, more expensive condos do not necessarily mean bigger space. Areas where condos are on average bigger are actually cheaper on a per-sqm basis. These areas include Ayala Triangle/Apartment Ridge, where condos average 275 sqm and where monthly rents average Php568 per sqm. This area is followed by Salcedo Village, where the average size of condos is 126 sqm and average monthly rent stands at Php652 per sqm. In contrast, in the Mall of Asia Complex and Newport City, the average sizes of condos are 34 and 50 sqm, but monthly rents average Php850 and Php785 per sqm, respectively.

20. Caloocan will be the second most populous city by 2020
The City of Manila will be overtaken by nearby Caloocan as the Philippines’ second most populous city by 2020. This is according to an analysis by Lamudi using the annual average population growth rate issued by the Philippine Statistics Authority in 2010. Caloocan’s projected 2020 population will be 1.88 million, compared to Manila’s 1.72 million.

21. Eleven PH cities will have populations of more than 1 million by 2025
Using the annual population growth rates recorded in 2010, 11 cities in the Philippines are projected to have populations of more than 1 million. These are Quezon City (3.95 million), Caloocan (2.115 million), Davao City (2.056 million), Manila (1.76 million), Dasmariñas (1.27 million), Antipolo (1.25 million), Zamboanga City (1.25 million), Cebu City (1.14 million), Taguig (1.12 million), Bacoor (1.11 million), and Pasig (1.022 million).

22. Can BPO workers afford condos?
With an average monthly salary of Php22,500, entry-level customer care representatives cannot afford to rent a condo in either of these “affordable” areas: Eastwood City, Pioneer-EDSA, Poblacion (Makati), and San Antonio (Makati), where average rents range from Php19,838 to Php22,563 per month. Using the 30 percent rule (spending not more than 30 percent of one’s monthly income on housing), only those working as managers, with an average compensation of Php75,000 per month, may only afford to rent a condo in these select areas.

23. How long Filipinos should work to buy a home
A salaried Filipino with more than 20 years of work experience and earning Php1.43 million per year may need 128 years’ worth of his salary in order to afford a house in Makati where average home price stands at Php184 million. In contrast, this same person needs 4.16 months’ worth of his annual salary in order to afford a home in San Jose Del Monte, Bulacan, where the average home price is Php495,999.

24. Are Filipinos buying or renting?
Based on its third quarter 2015 search data, Lamudi found that there is an almost equal proportion of renters and buyers among 18- to 24-year-old online property-hunters (50.2 percent for rent versus 49.8 percent for sale). Quite interestingly, there is a tendency for property-hunters to check out for-sale properties online as they get older. Among 25- to 34-year-old users, 57.3 percent are checking out for-sale properties. In the 35–44, 45–54, and 55–64 age groups, it is even higher; 70.8, 72.6, and 71.1 percent of the website’s users, respectively, are checking out for-sale properties.

25. Most sought-after locations for land
Quezon City, Tagaytay, and Baguio are the top three most popular locations among property-hunters looking for land online. These cities are followed by Davao and Antipolo. “Clearly there are cities preferred by people researching about land for sale online, and we hope these findings will give real estate developers insight into how to properly plan their next projects,” said Lamudi. In addition, the fact that only five Metro Manila cities were in the top 10 indicate that Filipinos are not too keen into buying residential land within the National Capital Region, either due to lack of supply, unaffordability, or both.

ABOUT LAMUDI
Launched in 2013, 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

High Park at Vertis North


High Park in Vertis North
High Park offers an inspiring new two-tower development in the masterplanned, mixed-use city center of Quezon City.
Located in the emerging enterprise capital of the North, High Park is an ideal location with prime access to business districts, medical and educational institutions, and major thoroughfares in the metro.
Minimalist and contemporary in architecture, High Park intertwines green open spaces within the building design. Tower One’s Sky Gardens thriving on every three floors provide a breath of fresh air while Tower Two’s Sky Park boasts an expansive lush area cradled at the roof deck—both maximize views of Vertis Park below, verdant amenities, and the walkable streets of Vertis North.

Top Reason to invest High Park 
Ayala Land Heritage 
Owned by the country’s top developer with over 80 years of real estate experience, the name behind Makati, BGC and Nuvali 
Vertis North 
Located in Quezon City’s new central business and lifestyle district - promising Connectivity, Centrality, and Urban Efficiency 
Vertical Park Living Experience 
Park living experience from the ground up. 
Alveo Land’s Commitment to INNOVATION 
With a Development Manager that prides itself in offering groundbreaking living solutions - providing an unparalleled living experience highly valued by the market 
Investment Potential 
First mover advantage and high returns can be expected given the promise of the emerging QCBD and limited residential supply within Vertis North


Site Development Plan
Alveo Land welcomes you to High Park Vertis. An intimate community of only 642 residences (tower 1) and 893 residences (tower 2), aloft at the heart of Vertis North's urban renaissance. Seamlessly converging escapades and escape, with private access to the city's premier dining, shopping, and entertainment destinations. 
This address of distinction redefines Quezon City's skyline with an elegance that is subtle, undeniable. At High Park Vertis, live at the height of refinement. 
High Park at Vertis North is a two-tower with 35-storey (tower 1) and 55-storey (tower 2) residential unit will be one of Alveo Land's most iconic residential condominium buildings and will help foster the company as one of the most high-end brands in the country. 




if you are Looking for a Property Investment in a very great location, looks like High Park At Vertis North is just the right investment for you. Please check the details and photos. 
For inquiries, you can email us: maginvestkapinoy@gmail.com

Dec 2, 2015

Most Common Complaints of Real Estate Buyers upon Turnover


For many, buying a property is the single most expensive purchase one makes in his or her lifetime.

Do you know that not all expectations are met when buying a property?

Here are some of them:

1. Hidden charges upon turnover
Some buyers get a surprise of their lives when, nearing turnover, developer’s representative calls to “remind” them of charges they have to pay before unit delivery which they do not know about. This is an example that happened in the past: The developer, while constructing the project suddenly came up with the idea of charging a sizable turnover fee apart from the transfer fees used for transferring the title to the new owner. With so much already invested, buyers have no choice but to pay the required amount.
Apart from that particular project, however, such an occurrence is practically unheard of. Generally, the more common problem with hidden charges is that transfer and/or miscellaneous fees are either not properly declared beforehand or not emphasized enough during the sales process.
Avoid the surprise of turnover problems. Prior to closing a deal with a developer, double check with your agent about all the charges in the transaction, especially those that might not be reflected in the price list and sample computation. Make sure you read all of the texts in these documents, including the fine print. Ask for details regarding lumped charges like those simply marked as “miscellaneous fees” and the like.

2. Unexpected connection fees and charges for utilities
No, connection fees for phone and electricity are not necessarily taken cared of by the developer prior to turnover. The practice really differs from developer to developer. It is best, therefore, that you make sure you ask about this from your agent. 
Though not so commonplace, there were also reports where water charges were much higher in one particular subdivision than one would normally pay outside. This was apparently due to some peculiar method for charging clients water companies may have under certain accounts or agreements with developers which became a disadvantage to the residents. This was remedied by changing that agreement or account type with the water company, but the process took several months and not too few heated arguments. 
Certain projects might also be limited or exclusive to certain phone companies or cable companies. In this case, you might not have a choice. While there is little you may be able to do about this at the start, it does lessen the surprises if you know beforehand these tiny but potentially disappointing details.


3. Unexpected restrictions
While a property you buy is indeed technically yours, what you do with it is still restricted as per your agreement with the developer. The deed of restrictions, which every buyer signs, is the document which encapsulates what you can or can’t do with your property, such as, what you can plant in your garden, external modifications disallowed for your house, ownership of pets, fence designs, even your choice of curtains, and many others. Usually, the restrictions are already well articulated in the said document. But since this document is normally several pages thick, buyers almost never read it and get surprised later on that such and such restrictions exist. Make sure you know what you want to do with and in your property. 
It is still possible to change a lot of these restrictions, but your Home Owners’ Association (HOA) or condominium association will need to have been turned over to the owners already and should be decided by the body. Even then, there are certain provisions, especially in cases where the developer maintains a large stake in or control of the property after full turnover, which cannot be repealed unless the developer or the property management explicitly allows it.

4. Delivery of features and other broken promises
Flyers show a feature in an amenity which entices us to buy a property in a project. Sellers promise you, as well, that this feature will be built based on the briefing given to them by the developer. Years pass after the supposed completion of the project and still that feature is not delivered. 
Sadly, there isn’t a strong law penalizing developers for non-delivery of features as advertised or promised, despite the fact that this has happened at least a few times in the past. 

5. Paid use of facilities and amenities
The normal expectation is that you as a unit owner should be allowed free and unimpeded use of the common facilities like the swimming pool, club house, sports facilities, and the like in a subdivision or a condo. Unfortunately, this is rarely the case. In most developments, you will still need to pay for the use of these facilities, although discounted perhaps, for a simple reason. The upkeep and maintenance will require a budget and should be paid most logically by those who use it and not unfairly lumped into your monthly dues. 
Some sellers are often not very straight forward regarding this or may not volunteer this information. As with restrictions, rates for use of the facilities may be subject to discussion once the home owners’ association or the condo association becomes operational. 

6. Late delivery of a project or its amenities
Filipino time apparently extends not just to meet ups but to real estate project delivery, as well. Sadly, delivering projects as promised is a rarity among real estate developers. Uncommon as it is, there are, however, some notable developers who are generally able to deliver with little or no delay. 
It is best, therefore, to ask from disinterested parties regarding the actual track record of deliveries of developers, especially for projects from which you are eyeing to buy. And if the feedback is not good but you badly need or want that developer’s project, all you can do for now is lower your expectations and put a buffer on the date of expected delivery until the culture changes and proper laws are put in place.



7. Substandard Finish
There is such a thing as punch listing where you, the buyer, and the representative from the developer inspect a property before you accept it. To expect perfection is unreasonable. That is exactly why punch listing is practiced. 
However, there are instances where the unacceptable items are enough to cause a significant delay in your use of the property because of the reworking required. One such example is the cracks in the walls created by the big earthquake last year. Some of these have not been fixed yet, owing it to the fact that these hairline, though non-fatal cracks could be numerous.
Surprisingly, even some big, well established companies do not fare well in this department, while some new entrants with little experience do relatively well. It is so hard to say. So, do your research well or ask a reputable broker regarding the track records of developers when it comes to quality of their projects.

8. Not enough parking slots
Parking wars isn’t just a reality show on cable TV. It is a reality for some projects in Cebu, too. Start up families choose affordable projects for economic reasons but improve their lot eventually and now need parking for their new car. No garage, small streets, and improving income pit neighbors against each other. Such problems have occurred and have driven some of the home owners to sell their properties just a few years after they have settled in their homes.

Mind you, this problem does not exist in affordable projects alone. Middle and high end projects, especially for condos, are also susceptible to this situation, since no developer would ever invest in creating at least one parking slot for each condo unit. This could even be aggravated by the fact that rich owners buy more than one parking slot. Considering that the law only requires around one parking slot for every six condo units, then trouble is almost sure to erupt, as it has in some of the condominium projects in Cebu already.
It is best, therefore, to plan well ahead when purchasing a condo and buy a parking slot early on, if available and if your budget allows it. For subdivision owners, you might not have a choice but to rent parking spaces outside of your subdivision or more to a bigger one. In the meantime, some of the more entrepreneurial individuals among us already have a new business – parking space rental.

source: Inquirer.net

Jul 24, 2015

WHAT GOES AROUND COMES AROUND


One day a man saw a old lady, stranded on the side of the road, but even in the dim light of day, he could see she needed help. So he pulled up in front of her Mercedes and got out. His Pontiac was still sputtering when he approached her.

Even with the smile on his face, she was worried. No one had stopped to help for the last hour or so. Was he going to hurt her? He didn’t look safe; he looked poor and hungry.

He could see that she was frightened, standing out there in the cold. He knew how she felt. I t was that chill which only fear can put in you.

He said, “I’m here to help you, ma’am. Why don’t you wait in the car where it’s warm? By the way, my name is Bryan Anderson.”

Well, all she had was a flat tire, but for an old lady, that was bad enough.

Bryan crawled under the car looking for a place to put the jack, skinning his knuckles a time or two. Soon he was able to change the tire. But he had to get dirty and his hands hurt.

As he was tightening up the lug nuts, she rolled down the window and began to talk to him. She told him that she was from St. Louis and was only just passing through. She couldn’t thank him enough for coming to her aid.

Bryan just smiled as he closed her trunk. The lady asked how much she owed him. Any amount would have been all right with her. She already imagined all the awful things that could have happened had he not stopped.

Bryan never thought twice about being paid.

This was not a job to him. This was helping someone in need, and God knows there were plenty, who had given him a hand in the past. He had lived his whole life that way, and it never occurred to him to act any other way.

He told her that if she really wanted to pay him back, the next time she saw someone who needed help, she could give that person the assistance they needed, and Bryan added, “And think of me.”

He waited until she started her car and drove off. It had been a cold and depressing day, but he felt good as he headed for home, disappearing into the twilight.




A few miles down the road the lady saw a small cafe. She went in to grab a bite to eat, and take the chill off before she made the last leg of her trip home. It was a dingy looking restaurant. Outside were two old gas pumps. The whole scene was unfamiliar to her. The waitress came over and brought a clean towel to wipe her wet hair. She had a sweet smile, one that even being on her feet for the whole day couldn’t erase. The lady noticed the waitress was nearly eight months pregnant, but she never let the strain and aches change her attitude. The old lady wondered how someone who had so little could be so giving to a stranger. Then she remembered Bryan .

After the lady finished her meal, she paid with a hundred dollar bill. The waitress quickly went to get change for her hundred dollar bill, but the old lady had slipped right out the door. She was gone by the time the waitress came back. The waitress wondered where the lady could be. Then she noticed something written on the napkin.

There were tears in her eyes when she read what the lady wrote: “You don’t owe me an anything. I have been there too. Somebody once helped me out, the way I’m helping you. If you really want to pay me back, here is what you do: Do not let this chain of love end with you.”

Under the napkin were four more $100 bills.

Well, there were tables to clear, sugar bowls to fill, and people to serve, but the waitress made it through another day. That night when she got home from work and climbed into bed, she was thinking about the money and what the lady had written. How could the lady have known how much she and her husband needed it? With the baby due next month, it was going to be hard….

She knew how worried her husband was, and as he lay sleeping next to her, she gave him a soft kiss and whispered soft and low, “Everything’s going to be all right. I love you, Bryan Anderson.”

There is an old saying “What goes a round comes around.” Today, I sent you this story, and I’m asking you to pass it on .. Let this light shine.

Don’t delete it, don’t return it. Simply, pass this on to a friend

Good friends are like stars….You don’t always see them, but you know they are always there.

MORAL LESSON: WHAT GOES AROUND COMES AROUND

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Jul 14, 2015

The Law of Duplication Works in Your Income Too

If you duplicate yourself, you duplicate your income.
Why? 
It's very simple. 
When you duplicate yourself, you increase the number of people you serve. When you increase the number of people you serve, you increase your income.
If you don't duplicate yourself, your income remains stagnant. 
And even if it does increase, your income only enjoys linear growth. If you duplicate, your income enjoys exponential growth.

Employees Who Duplicate Get Promoted

         Do you want to be promoted in your job?
Duplicate yourself.
As an employee, duplicate your output. Duplicate your production.  Duplicate the great results you're getting.
How? Find a way. Use your ingenuity. Use your creativity.
As a manager, duplicate yourself by training your staff until they can replace you. Believe in them. Raise them up. Develop them. Make them better than yourself.
         Some are afraid to do that. "Bo, if I do that, they won't need me anymore and fire me!”
         But if your boss is intelligent, the opposite will happen. She'll recognize your leadership. Because only leaders can duplicate themselves. And leaders rise to the top.
         I can hear you now. "But Bo, that's the problem. My boss isn't intelligent!”
         Remember what I said before? If your present boss won't recognize you, another person will. Word about your leadership will go around. People will talk about you. And you'll be promoted, perhaps not in your company now, but in another company. Or in your very own company. 

A Second Job

         I'm not a great fan of getting a second job to increase your income, but I need to mention it here. It's also duplication.
         When you go to the States, it's very common to meet Filipinos who hold two jobs. They work 16 hours a day, not counting the travel time to go to work.
         My friend does that. She sleeps three to four hours a day just to be able to hold two fulltime jobs. She drives a brand new BMW. Yes, she earns more because she has duplicated herself by having two jobs. But it's a weak way of duplicating.
Today, that friend of mine is sick. Her body is caving in.
         My advice? This should be a temporary situation.
         Move on to a better way of duplicating yourself...


Two Kinds of Income

         There are basically only two kinds of income in the world:
         Active Income and Passive Income.

1. Active Income

How do I define Active Income?
You exchange your time for money.
A skilled laborer exchanges one day of work for P500.
A manager exchanges one day of work for P5000.
A dentist will pull your tooth for P600.
A heart surgeon will do a bypass for P300,000.
What do they have in common? All of them exchange time for money.  When they stop working, they stop earning.
Let me give you an example.
Remember my story of Ate Guy?
Ate Guy is the terrific masseuse of my wife who offers massage and torture at the same time.
Lucky for her, there are enough deranged people in the world who want that type of massage. Like my wife, for instance.
So Ate Guy is always in demand.
She can massage five clients a day—and she usually does.
Because of this, she earns P50,000 a month.
But let's say she takes a vacation.
Her earnings drop to zero.
And when she gets older, let's say she doesn't want to work this hard anymore. Instead of five clients a day, she wants to massage only two people a day. But if she does that, her income will go down a lot.
Or what if Ate Guy wants to earn P100,000 a month?
She can't massage 10 people a day. Sure, she can raise her prices, but by only so much.
My point? Active income is limited.
The only way to earn more is by switching to passive income. 
And the only way to do that is by duplicating herself.
First, she can train other women the "Ate Guy Torture Therapy” and form an army of Ate Guy-Trained Torture Therapists—and earn a commission from each of them.
Second, she can create the "Ate Guy Healing Oil” in a bottle, ask other masseuses to sell them.
I repeat: Active income has a limit.
But passive income is virtually limitless. 


May your dreams come true,


Bo Sanchez
JOIN BO SANCHEZ’S TRULY RICH CLUB NOW! http://bit.ly/TrulyRichBoSanchez


Jul 12, 2015

Pinoy Investor: "Riding the Momentum" stock portfolio outperforms the PSEi



Last week, we brought you a Special Report showing the gains of the recommended Model Stock Portfolios of our partner broker, First Metro Securities. Two portfolios beat the PSEi's 6-month return, with the "Riding the Momentum" portfolio gaining 5.87% outperforming the PSEi's 1.06%. Check out which stocks comprise these model portfolios! --> 2nd Quarter 2015 Returns of Model Portfolios of First Metro Securities


Upgrade to our Best-Value Premium Access plan of only P399 per month to get FULL ACCESS to all PinoyInvestor stock reports!

Happy smart investing!



Jul 9, 2015

BPI Dares Shoppers Away From Cash


The Bank of the Philippine Islands is doing something daring – challenging clients to move away from their payments comfort zone by skipping the cash. Instead, shoppers can pay direct using their BPI Express Teller Debit (ATM) Cards through the Express Payment System (E.P.S.). In doing so, the country’s first bank hopes to create a shopping experience that foregoes the different hassles of using cash to pay.

BPI dares shoppers to skip:

Dare to SKIP that additional line. The common starting point of a shopper’s experience is at an ATM. Usually this involves the shopper finding himself at the back of a significantly long line to withdraw cash. By using BPI Debit Cards to pay, customers can experience at least one length of a line less and can go straight to their shopping.

Dare to SKIP the risks. Once withdrawal is complete, the shopper now finds himself with more cash in his pockets. This exposes the shopper to the risks of losing his cash by misplacing it or, in some cases, theft. When you pay using BPI Debit Cards, not only do you skip the risk of carrying cash, but you also skip to a more secure way of shopping, as each debit transaction is authenticated with your ATM PIN.

Dare to SKIP counting. Shoppers who pay with cash have to go through the extra step of counting their payment and their change. This adds time to the transaction, and is very open to mistakes. This can be avoided when paying through BPI Debit Cards, where only the exact amount is paid by the shopper each and every time.


Dare to SKIP the weight. The average weight of a 5 Peso and 1 Peso coin is 7.7g and 6.1g respectively. Individually these may seem light, but when accumulated, coins can add significant weight to a shopper’s pocket or bag. This inconvenience can easily be avoided when shoppers use their BPI Debit Card to pay. A plastic debit card normally weighs less than 5g.

Dare to SKIP the “disappearing” cash. Often times, cash “disappears” from pockets because shoppers fail to account for their spend. This is especially true when it comes to impulse buys and small-ticket items. The usual result of this is spending more than what was budgeted, making it difficult for cash-based spenders to save. When using BPI Debit Cards, on the other hand, shoppers can check their full transaction history in BPI Express Online. When paying through BPI Point-of-Sale (POS) terminals, shoppers even have the added feature of seeing where exactly their purchase was made through BPI Express Online.

Dare to SKIP the Cash with BPI Debit Cards. Shoppers need only shop, swipe their BPI Debit Cards and key-in their ATM PIN to complete a transaction through E.P.S. This allows them to skip all the hassles of a cash transaction, making for a better shopping experience.

Today, more than a million BPI customers already use their BPI Debit Cards to pay when they shop. Will you join the millions of customers who already found a better way to pay than cash? Would you dare to SKIP? BPI dares you.


Contributor:
BrandSpeakAsia is a privately owned, independent public relations corporation created and managed by a team of young, dynamic and vibrant professionals committed to a shared passion: the integration of unique and creative thinking and strategically versatile marketing methodologies to humanize a brand, personify its character, and reach out to its public.

Jun 13, 2015

Bakit nga ba mayaman siya at mahirap ka?



Bakit nga ba may mahirap at mayaman?

bakit lalong yumayaman ang mayayaman at lalong naghihirap ang mahihirap?

Pare-pareho naman tayong may bente-kwartro oras sa isang araw?

Ang mahirap ang laging tanong ay "BAKIT?" Bakit ako mahirap? Bakit ako walang pera? Bakit ako walang trabaho?

Ang mayaman naman ang laging tanong ay "PAANO"? Paano ko mabibili ang gustong bahay, sasakyan, negosyo, etc? Paano ko matutulad ang mga pangarap ko? Paano ako aahon sa kahirapan!?

Subukan mong baguhin ang papanaw mo sa buhay at ang simpleng pagtatanong sa sarili mo. Wag mo itanong sa sarili mo kung "BAKIT" ka mahirap dahil ang kasagutan sa tanong mo ay ikaw din ang dahilan. ang "BAKIT" ay kaya lamang sagutin ang "DAHILAN" at hindi ka nya kayang tulungan kung paano mo masosolusyunin ang iyong sitwasyon.

Subakan mong baguhin ang tanong gamit ang "PAANO" at ito ang magbibigay sayo ng paraan kung paano masosolusyunan ang iyong sitwasyon sa buhay.

Napaka-simple lamang nyan at hindi nangangailangan ng malaking "EFFORT" pero maari itong magdulo ng malaking pagbabago sa buhay mo.

Pangalawang paraan para maka-ahon sa kahirapan ay ang Mag-invest!

WHY INVEST?

Investing in the stock market is the best way to build wealth because it has the highest average return compared to other investment options.

WHY LONG-TERM?

To maximize the potential return of your investment, you need to let it grow over time.

How You Can Start Investing:

1. Mutual Fund Investing thru PhilEquity: http://bit.ly/MutualFundInvestingthruPhilEquity

2. How You Can Invest in Philippine Stock Market thru COL Financial: http://bit.ly/COLStockInvesting

3. BDO UITF Easy Investment Plan: http://www.maginvestkapinoy.com/2014/01/bdo-uitf-easy-investment-plan.html

May 12, 2015

Bigger & Better ICON 2015 Slated Towards Financial Freedom!!!



Financial planning, entrepreneurship, trading, investment, and stocks... What do these all really mean beyond their dictionary meanings? Do we know what money management exactly means? Are we utilizing what we earn in the right way to invest and create value for a better future?  What are the risks involved when it comes to trading and stocks? These are a lot to think about. It might even sound complicated and intimidating, but this is where Randell Tiongson’s ICON 2015 comes in. Hailing from the success of last year’s ICON 2014, Tiongson makes a comeback with a conference that’s bigger and better, and promises to have more in store.

ICON 2015 will be held on May 30, 2015 from 8AM to 5PM at the SMX Convention Center, Pasay City. It will be a whole-day event with a packed program flow. Learn the basics, get motivated and ultimately be inspired by the best speakers in the Philippine financial industry. This event is for all walks of life that has a disposable income and a keen interest in learning how to manage what they earn.  In just one day, you will gain the knowledge and tools you need to get started in making the right investments and financial choices.

This year ICON 2015 is bringing you no less than the best speakers and advocates in the field of investing. First is the event’s pioneer, columnist, and best-selling author of “Money Manifesto,” Randell Tiongson. Along with him is the respected lecturer, inspirational speaker and author of Only the Real Matters Francis Kong. Also, the well-known stock market trader and best-selling author of Stock Smarts Marvin Germo, Global Investing Advocate, personal speaker and finance coach Jess Uy, and Economist and Ateneo De Manila University Professor Alvin Ang will be coming in once again this year.

The new speakers for this installment are: the seasoned financial adviser, best-selling author of the “Pwede Na! The Complete Pinoy Guide” series and founder of Personal Finance Advisers Philippine Corporation (PFAPC) Efren Cruz and radio host, wealth coach and best-selling author of “Till Debt Do Us Part” Chinkee Tan. Also, a brief sponsor’s session will be given by Sun Life Financial’s Managing Director (Asia) Michael Manuel as he tackles “Why It Is A Good Time to Invest Now.”

So much talent in one dynamic and event-filled day! Sounds exciting, right?

If you want to join us to this avenue of learning and investing, visit us at Randell Tiongson’s ICON Facebook page and log on to bit.ly/ICON2015REG to book your seats as soon as possible! Also stay tuned to for our posts on Twitter (@icon_ph) and Instagram (icon_ph) for more information.


Be part of this and learn how to invest for a greater future!


Program Flow


*** FREE TICKET JUST FOR YOU !!! ***

Mamimigay kami ng DALAWANG (2) GOLD PASS AT TATLO (3) SILVER PASS!!!

Kailangan mo lamang sagutan ang mga sumusunod:
1. Paano ka natulungan ng Mag-Invest Ka Pinoy sa iyong buhay pinansyal?
2. Ano ang Mission ng Mag-Invest Ka Pinoy?

Email mo samin sa: @maginvestkapinoy@gmail.com ang iyong kasagutan at sundan ang aming hinandang format:
Name: Jo Valerio
Contact #: 0917 123 4567
Answers:
1.
2. 
Ang pa-raffle na ito ay hanggang May 17 lamang. Bawat entries na aming matatanggap ay may kaukulang numero at amin itong iraraffle. Ang pinaka mapalad na aming mabubunot ay makakatanggap ng email kung paano ang proseso ng magkuha ng ticket.

Maraming Salamat Po sa patuloy inyong pagsuporta sa MAG-INVEST KA PINOY!

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Great Investment For You!
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