Signs you are ready to retire ( Philippines )

Written by: King San Jose Santos, RFP

Most Filipino’s have a short term mindset instead of preparing for a relaxing future, they tend to enjoy life in the short term while suffering in the end. An investment mindset and a long term vision is what lacking in the Philippines.

 We asked our clients in San Jose Financials website (www.sanjosefinancials.com) and asked them,  “ What is the best investment for you?”.  80% answered  they prefer to put it under time deposit.

 Related Topics:

•      Know more about SJF Business Management
•      SJF Business Solutions

Financial literacy is too low in the Philippines. The Majority of Filipino’s is intimidated when they talk about stocks, bonds or other investment materials that is available. So what are the factors for us to retire early?

If we talk about retiring, there are other factors you need to consider. Spiritually and mentally, a person should consider asking yourself if you are ready to have a life of no work.  You have to understand the when you decide to retire, every day is “ Sunday”.

 Related topics:

•     Know the requirements in Retirement
•     How SJF Wealth Managers can help you retire?

Being ready financially is easy to compute. We always do that in here with SJF computing the readiness of our clients in retirement and preparation of funds. However,  we should know the right perspective. It is not with the age but with the financial readiness and proper mindset is a sign when you are ready to retire.

What are the signs that you are ready for retirement?

1. Following a Plan

• Being retired involves discipline.  If you have a plan when you are playing games or sports, isn’t that logical to have one for your wealth as wealth ?

 ( visit www.sanjosefinancials or call for a free consultation 798.8111)

2. You are fully covered with your risk

• From your life for your health,  Your risk for you and your family is fully covered

3. Your children are financially independent

• Seeing your children grow and worry free is every parents dream.  You are ready to retire if you see your kids fully independent and well covered.

4. Almost no debt.

• You are ready to retire if you see your house, car and other loans fully paid.

5. Your investments can sustain your everyday

• You are definitely ready when you see that you can survive by just your investments.

Everyone has a different standard. A retirement plan for Mr. Guitirez can’t be fit for Mrs. Salvon. There is no amount that can tell you that you are ready for retirement.  Filipino’s often tend to look for the value of income as the basis, however the secret formula there is not only income but several financial factors.

 To know more about retirement planning, visit SJF website atwww.sanjosefinancials.com or call 798.8111.

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Getting Financial advice from Independent advisers

In the Philippines, it is hard to get financial advice especially the low financial literacy of the Filipinos comparing to other neighboring countries such as Singapore.
 In this regard, some individuals take advantage of this scenario which affects their future, affecting the quality of the life or even destroy their portfolio.

People working for institutions such as Insurance or banks' claims they care for their clients, however you have to ask yourself. Can you tell the client 100% disadvantage of your product? Or can you tell the client they don't need it? Or even give advice without buying the product? The main objective is to sell the product to you. It's hard to accept but it is a fact.

1. Knowing the complete Truth.
 Independent Financial advisers tell the truth including the disadvantage of the product or investment. They give you alternative in reaching goal.

2. Have a vast knowledge in all your investments.
 Real Independent Financial advisers have a vast and wide knowledge in different investment you have. From equities to your business, they make sure everything is aligned to your goals and objectives in life.

Related Topics:

* Know SJF Business Management
* Benefits of Wealth Management
* Understand your goals in life

3. They give you advice without getting a commission when you buy or invest.
 Real Independent Financial advisers give you advice even though you don't buy any product. Conditions such as "free financial plan" or "we will teach you how to reach your goals" when you buy their product are top signs they are brokers selling you a product. Real Independent Financial advisers double check your current status before acquiring an investment. They don't look for your portfolio on how they can put the product in your product.

4. They put your interest first.
 Real independent Financial advisers search for ways how you can reach your goals and look what is best for you. They look for alternatives that is comfortable for the client and offers different alternatives such as opening business ventures, real estates or even  investment abroad.

Before, only high net worth individuals  can afford Independent Financial Advisers . Some individuals even travel abroad to acquire independent and real financial advice from independent firms.
Now, new groups such as San Jose Financial Wealth Management Group which offers unbiased financial advice and planning on how you can achieve your goals in life, aligning your goals and objectives with your overall financial status. From your investments to your debts, SJF helps you plan your goals in life and find alternative on how you can achieve our dreams in life. A group of professional people helping you reach your goals in life.

Talk to your SJF Wealth Manager for a FREE 1 HOUR Consultation and see the difference.
Helpdesk (+632 798.8111)

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5 People You Should Never Get Investment Advice From

by MIRANDA MARQUIT on MARCH 13, 2013 of excessreturn
www.sanjosefinancials.com

These days, it seems as though almost everyone has an idea of how you can get ahead as an investor. However, no matter how good the investment advice sounds, you need to do a gut-check. Can you trust this person? And why is he or she sharing such a great tip with you?

While you can listen to the investment ideas put forth by just about anyone, it’s another thing to whole-heartedly trust someone else with your money. Before you take the plunge, carefully examine the situation and the fundamentals, and then reconsider. Here are 5 people you should be wary of when they are giving you investment advice:

1. Family ( Related Topic: What is the best investment for you? )

It’s tempting to get in on that “hot” tip that your brother-in-law is offering, or get in on the bottom floor on that “investment opportunity” Your cousin is involved with. Unfortunately, too often, your family members don’t really understand investing. Like many others, they are following the herd, and that “hot” stock may be in bubble mode.

Even worse is the possibility that your family member has been taken in by an investment scam. Going in can mean that you are caught in the trap, too. Before taking the advice of a family member, review his or her track record with finances, as well as remind yourself that your family member probably doesn’t have the know-how or credentials to be giving investing tips.

2. Strangers ( Related Topic: how to reduce debt? )

Why would a stranger go out of the way to give you great investment advice? In this category are those emails you receive about penny stocks and other “opportunities.” Also, be wary of taking advice from strangers you meet in social settings. He or she might be bragging about his or her investing prowess, but you don’t really have any proof that there is a real performance capability there.

3. Co-Workers ( Related Topic: Legal Forex Scams) 

Unless you work in the investment industry, and your co-workers are all analyzing the merits of a particular investment, your co-workers probably aren’t the best people to turn to for financial advice. Instead, your co-workers are likely just behind the curve, buying when everyone else is, and selling in panic when things go south.

On top of that, co-workers are often sources of investment scams. They get taken in by scams, and then ask you to participate. They may be in earnest about the “opportunity”, but that doesn’t make you feel better after you’ve both been duped.

4. Media Talking Heads ( Related Topic: How to reduce your debt? )

It may be fun to watch Jim Cramer’s antics, but it’s important not to take your advice from media talking heads. Financial media don’t exist to inform investors. The primary goal of the financial media is to make money; any education or useful information provided to investors is merely a side product.

One of the best ways to make money is to sensationalize things. Media talking heads try to draw you in by convincing you that something is practically full-proof, or by whipping up fear about the imminent disaster. Making investment decisions based on these extremes presented by the media can lead to big losses to your portfolio.

Take the news with a grain of salt. Instead, you are better off following your own investing plan designed for the long haul, and ignoring the noise from the TV screen.

5. Brokers and Other Wall Street Types 
( Related Topic: Risking your life with brokers and advocates)

Going to a stockbroker for advice seems like a slam dunk. After all, these folks know all about investing. Unfortunately, Wall Street types probably don’t have your best financial interests at heart. Brokers are, on a basic level, salespeople. This means that they are trying to get you to buy products that will earn them a better commission.

Whether it’s someone at your local bank, or a broker with an official firm, the reality is that these advice-givers only have to recommend something that is “suitable.” And suitably isn’t the same things as “best”.

If you want solid advice from a professional, consider using a Registered Investment Advisor (RIA) or a fee-based financial planner. The RIA has a fiduciary responsibility under the law to look to your interests ahead of the commission, and a good financial planner that isn’t paid by commissions can offer mostly unbiased advice. 

Here are a few tips to know more about independent Wealth Management

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ABSCBN Actor, Cosmo Model,Chef and Entrepeneur JOSE SARASOLA loves SJF Wealth Management

Photo courtesy of kristin.com

SJF continues to promote wealth management service to Filipino's by giving free education series and Wealth Management service to experience a complete financial change in their life.

For this week, SJF features one celebrity who is successful in all his work, projects and business. Cosmo Hunk and ABS CBN Actor and SJF Client, Jose Sarasola talks to SJF Wealth Team regarding his projects,

business and his experience with SJF Wealth Management.

Related Topics:

• What is Wealth Management
• What is Investment Risk Management
• Why is it important to have a Wealth Management?

Jose's start in ABSCBN and in Showbiz

Jose started his career in showbiz by doing Tv commercials and modeling. When ABSCBN started a TV Show Pinoy Fear Factor, everyone noticed the cute Filipino-Spanish contestant which gave him his biggest break in showbiz.

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• Tips on travelling on a budget
• Top 10 starting up tips
• How to increase your income?

Jose's and his risk in Investment

Photo Courtesy of Zopiam

It is important that you know your risk in investments. Jose Sarasola is wise having a wealth manager help his endeavors by hiring San Jose Financials SJF to help him manage his wealth and understand his risk in the investment.

 "SJF is my secret tool in managing my risk. It maximizes my full income. From my everyday expense of my investment, I can sleep soundly knowing SJF monitoring my wealth. I don't need to study, attend seminars or do work. I let SJF do all the work for me." said Jose.

Watch the full interview with SJF Team in this link: JOSE'S INTERVIEW.

Related links:

• Is it important to have a professional help you?
• What is the best investment for you?
• Free Wealth Seminars in the Philippines

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Planning to travel? Try Backpacking : Saving tips to travel abroad.

by:SJF Team

Most of us loves to travel abroad, but travelling is costly. So what is the answer to help you travel at a cheaper price? BACKPACKING! Here are some data's that can help you prepare for backpacking.

Data and tour guide by traveltour.com

1.  Mumbai, India

Even more expensive than Delhi, Mumbai feels like a shock this far down the list, but perpetually expensive hotels and no real hostels make this city pricier than you might expect. Fortunately, one can see the main sights in a few days or less, so it’s a good idea to minimize time in Mumbai and then head out to someplace less insane as quickly as possible.

• Currency: Indian rupee
• Cheap/good hostel: Anjali Inn – 800/night
• Transportation: 36
• Meals: 312
• Drinks/Entertainment: 240
• Attractions: 250
• Daily Backpacker Index: INR1,638 = US$29.66/day

Related Topics: Know your goals in life

2. Pokhara, Nepal (cheapest)

While Kathmandu is where most visitors land first, it’s fairly hectic and its sights can be seen in only a couple days. So most people head quickly to Pokhara, which is Nepal’s tourism hub and the starting point of many fabulous treks. Fortunately, it’s not only more pleasant than the capital, but also cheaper in most respects, so it’s a great place to linger if you have time. Guided treks in the nearby mountains can be expensive, so it’s nice that just lingering in town is dirt cheap.

• Currency: Nepalese rupee
• Cheap/good hostel: North Face Inn – 259/night
• Transportation: 80
• Meals: 384
• Drinks/Entertainment: 450
• Attractions: 100
• Daily Backpacker Index: NPR1,273 = US$14.39/day

Related Topics: Tips on how to save money

3. Hanoi, Vietnam

Vietnam’s cheapest city for backpackers is also one that gets high marks from most visitors with its unique combination of French colonial and Asian post-communism. The food is also top-notch, especially when you are sitting amongst locals at one of the thousands of plastic-chair cafes throughout the city. Keep costs even lower by sticking with Bia Hoi, the world’s cheapest beer. Hostel beds are cheap, but private rooms are too, so don’t automatically book a bunk.

• Currency: Vietnamese dong
• Cheap/good hostel: Moonshine Palace Hotel – 93,700/night
• Transportation: 40,000
• Meals: 144,000
• Drinks/Entertainment: 36,000
• Attractions: 30,000
• Daily Backpacker Index: VND343,700 = US$16.51/day

Related Topic: What is Wealth Management?

5 – Chiang Mai, Thailand

Thailand’s “capital of the north” is certainly one of the world’s great travel bargain destinations. Filled with ancient temples and surrounded by a moat and city walls, Chiang Mai is a major stop in the region and a highlight for many. Much less crowded than Bangkok, and quite a bit cheaper as well, this is also booming with expats and creative people living cheaply while they work.

• Currency: Thai baht
• Cheap/good hostel: Jaidii House – 100/night
• Transportation: 40
• Meals: 162
• Drinks/Entertainment: 180
• Attractions: 100
• Daily Backpacker Index: THB582 = US$19.11/day

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Independent Wealth Management in the Philippines.

By: King San Jose Santos, RFP
6/29/2013

Photo courtesy of Inquirer

"Do not get Financial Advice from people who earns when you buy their product."

- A simple advice yet so hard to follow. This is the typical problem in the Philippines. They can't distinguish a sales pitch vs a real financial advice. Never did they know, the result is disastrous in their life.

 In the Philippines, Independent Wealth Managers are new blooming profession which focuses mostly on the growth of the client. Wealth Management service is often found in 1st world countries such as the USA or Canada but currently, the number of middle class is starting to grow in the Philippines which requires attention.

International Wealth Management is starting to open along with SCAM investments.

 Recently, International wealth management companies that are related to financial institution such as banks started to open in the Philippines. These big players are starting to put their resources in marketing to promote their services to the highest ballers of manila but the big question, are you getting more from their service?
  There are also scams that offer rates beyond norms. Do you think there is no risk investing in these scams? Think again. You are risking to lose all your portfolio to get higher rates.

Related topics:

• What is Wealth Management?
• Reasons why you need A wealth Management Plan

Read more >

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Philippine Stocks erased all earnings this year

by: Jennifer Austria 

Bloomberg

Photo courtesy of PhilStar

The stock market index dropped below the 6,000-point level Monday, nearly erasing all gains posted this year, after China signaled it will maintain efforts to curb credit growth in the world’s second-largest economy.

The Philippine Stock Exchange Index sank 211.12 points, or 3.4 percent, to 5,971.05, the fourth consecutive session it dropped. Losers routed gainers, 165 to 17, with 34 issues unchanged. The PSEi now is just 1.9 percent up in 2013 from 5,860.99 on Jan. 2. The index had risen 26 percent to a year-high of 7,392.20 on May 15.

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* What is Investment Management?
* Reducing your Debt
* Easy way to get rich
* Benefits of SJF Wealth Management

The rest of the global stock markets reeled, with Shanghai’s index enduring its biggest loss in four years, after China allowed commercial lending rates to soar in a move analysts said was aimed at curbing a booming underground lending industry.

Analysts say the spike late Thursday in the country’s interbank lending rate to over 13 percent was part of an effort to trim off-balance-sheet lending that could threaten the financial stability of the world’s second-largest economy.

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* Investment Management in the Philippines
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Mainland China’s Shanghai Composite Index plummeted 5 percent to 1,968.51 while the smaller Shenzhen Composite Index plunged 6.1 percent to 881.87.

Britain’s FTSE 100 dropped 1.5 percent to 6,067.35 in early trading. Germany’s DAX fell 1.1 percent to 7,704.88. France’s CAC-40 fell 1.5 percent to 3,601.88.

China Minsheng Banking Corp. dropped the most since 2011 in Hong Kong and the CSI 300 Index, representing the 300 biggest companies in the Shanghai and Shenzhen stock exchange, entered a bear market.

“The situation in China is adding to the concerns of the Federal Reserve’s plan to scale back stimulus,” Akbar Syarief, a fund manager overseeing about 3.3 trillion rupiah ($332 million) at PT MNC Asset Management, said in Jakarta. “Investors are pulling out of regional markets and moving to safe haven assets like the dollar.”

PSE president and chief executive Hans Sicat, meanwhile, remain positive about the overall domestic macroeconomic environment.

“The market may have lost ground in the past weeks, but we believe this is a result of an overreaction to global developments. There is a disconnect between good local economic fundamentals and the short-term market psychology,” Sicat said.

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* Risking planning your wealth with brokers and advocates
* 6 Reasons why you need a Wealth Management Plan

Finance Secretary Cesar Purisima downplayed the market fall. “Philippine fundamentals are good and the best thing we can do is to continue up the path of better economic fundamentals. This is the best way to attract investments,” the finance chief said.

Metropolitan Bank and Trust Co., the second-biggest lender, plummeted 6.9 percent to P105, while BDO Unibank Inc., the largest bank, tumbled 3.7 percent to P79.95. With Bloomberg, AP and Jennifer Ambanta

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* Tips on how to save money
* Free Wealth Seminar
* Proper way to invest

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Reducing your Personal Debt

By: MONEY 101

There are a number of reasons you’d want to reduce your personal debt. For example, you might just want to clear your debts more quickly – or you might actually be struggling to afford your payments each month.

Either way, you need to find a way to reduce your personal debt that suits your circumstances. Here are some tips to lower – or even clear – your personal debt.

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* Benefits of Wealth Management
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* Risking your life with brokers and advocates

You want to reduce your debts more quickly

Yes, you might be perfectly able to afford your monthly debt repayments along with all your essential expenses (like your mortgage, bills and food). You might, however, want to clear your debts more quickly – or simplify the repayment process.

Slogging away at your debts each month and seeing them only slightly decrease can be really demotivating. That’s why it will help to pay more than the minimum payment – if you can. It’s important to note that you shouldn’t compromise your essential expenses to pay your unsecured debts off more quickly.

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* What is Investment Management
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Debt consolidation

You might also find it hard to reduce your personal debts more quickly if you have several different payments to make each month to different lenders.

You could make the repayment process simpler (but not necessarily more affordable) by combining all of your debts together into a single debt. You can do this by using a debt consolidation loan. When looking for a debt consolidation loan, it helps to find one with a lower interest rate than all of your other debts, as well as being large enough to cover all of the debts you want to consolidate.

Related Links: SJF Investment Management Services

Pay off all of your current debts with your consolidation loan and you’ll be left with just the consolidation loan to repay each month. So it’ll just be one payment to one lender, with one interest rate.

Related topic: Secret keys to your Financial Success

You may even have the choice to arrange to repay your consolidation loan slightly faster or slower than your original debts. This will mean that your monthly payments will be either larger or smaller respectively. Remember that repaying a consolidation loan over a longer amount of time will give interest more time to grow – and that you could be putting your property at risk if you secure a debt against your house and don’t keep up with repayments.

You can’t afford your monthly repayments

If – no matter how much you budget, scrimp and scrape – you can no longer meet your monthly debt repayments, ..

... You’ll probably need expert debt help.

Related Topics

* SJF Wealth Management services

* SJF Free Wealth Seminar

* 6 reasons why you need a wealth Management Plan

There are a number of different debt solutions available – some of which can actually write off a portion of your debts. You have to find the one that’s right for you, though. Contacting a qualified debt adviser should help you to get on the right track towards clearing your problem debts.

Dont just ignore your debt problems - with a plan and someone to help and assist, you can get on top of this. There are advisors nationally who will guide and assist you, your family and or your business.  Just ask.

Related Topics:

* ABSCBN and COSMO Hunk supports SJF Wealth seminar

* Risking your life with brokers and advocates

* top 10 secret in Managing your wealth Properly

* Difference between professional seminars and free seminars from brokers

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Searching for the Question of the Week #asksjf. Be featured in SJF BLOG and SJF Website

By: SJF Team

SJF San Jose Financial Wealth Management Group is now searching for individuals to be featured in SJF Question of the week (#askSJF).

Related Topics:
9 tips to increase your income
ABSCBN Hunk supports SJF

Requirements:
1. Leave a question on our blog page or
Facebook or twitter
2. Retweet this post on Twitter and Facebook.
3. Like us on Facebook and submit a headshot picture of you.

Related Topic : What is Investment Management?

 Be featured on the SJF Blog  and be seen by thousands of SJF readers in the Philippines and around the world.

You may also submit your question at info@sanjosefinancials.com or on twitter #askSJF

WIN a SPECIAL PRIZE from SJF and be featured along with Models and Celebrity. JOIN NOW!

Related topic:

* Free Wealth Management Seminar
* How to Reduce your Debt
* Beware of Forex Scams
* How invest properly
* What is Wealth Management

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Proper way to Invest

By: FPT 

From FPT Website

Investments offers a dangerous draw: enormous rewards with the possibility of awful losses. Investors are in love with the idea of amassing wealth, however, no one likes to lose their money. The key here is to learn how to invest your money with minimal risks. It’s impossible to predict the daily fluctuations of our market, but as you begin to invest you’ll soon learn to withstand the losses and bounce back with the next market swell.



Related Topic: 6 Reasons why you need Wealth Management

The market cannot be controlled, but with practice you will learn how to invest wisely when buying stocks, bonds, options, ETFs (i.e a silver ETF and biotech ETF), trading forex or even mutual funds. It’s important to familiarize yourself with the products of the business you’re investing in before you take the plunge. Also, remember that market high isn’t everlasting. It’s wise to invest into a powerful stock with a long lasting record than a recent trend that’s in the first year of its infancy. These usually don’t last.

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* 6 easy steps to get rich
* What is Wealth Management?
* Tips for your growth
* Free wealth seminars to know more about Investments
* ABSCBN Celebrities attending free Wealth Seminar
* How to Reduce your Debt?

Equally as important to the product is your thinking behind the decision to invest in it. A very important step in locating good stocks to invest in is to know the company of the stock very well- so you’ll be one step ahead of the game and already know the direction of your next move. For example, if you’re investing only for profit you’ll know to drop out once the prices fall instead of worrying about whether to hang in there until the next market high.

Related Topic: Philippine Stocks erased all earnings for the year 2013 .

Investing is all about the timing – by this I mean the timing of your moves in relation to the market highs and market lows. You must know when it’s time to cut your losses. It’s equally important to know when to take the profits and run. Many people believe running a profit when the market is up to be the correct course of action. However, many others are afraid the market will soon fall. When the market dips you should cut your losses. Back out quickly before the situation gets worse.

Related Links: Register for free Wealth seminar

Never ever invest in things you cannot afford and never invest without a sound reasoning. Yes the market highs are incredibly rewarding, but the market low is also part of the journey. Much of investing is run by guy instinct, but you shouldn’t and cannot afford to make reckless choices.  Mutual funds are always a great place to start – and finding a no load mutual fund, without any fees is on the safe side when it comes to investing in the stock market.

A popular investment these days are ETFs like the energy ETF (energy-sector exchange traded funds), silver ETF, financial ETF, natural gas ETF and more.  If you aren’t sure about a specific company, but want to get into the sector it is in, ETFs may just be for you.

Related Links:

* What is Investment Management
* Future of Investments and Investment Management in the Philippines
* Beware of Forex Scam in the Philippines

The ideal thing is to study the market. Don’t throw yourself into the deep end without first studying the product record. There are many good books available. If you get a chance check out “The Real Life Investing Guide” or “The Only Investment Guide You Will Ever Need”. Know what you’re up to before you ever set foot on the path of the investor.

When the time comes to make an informed decision you’ll gain plenty of benefits from the world market. Business very unpredictable indeed, but when the market is up the reward are worth far more than the gamble.

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ABS-CBN's Fear Factor Jommy Teotico.A Celebrity with a Big Heart. A love for SJF's Advocacy 2013

By: SJF News Team
June 7,2013

In the past few months, Philippines is currently growing steadfast against her Asian neighbors but in a recent report from National Statistic office, Philippines recorded at 7.1% unemployment which is an increase of .1% from year 2011 even though the economy grew 7.3% & outperformed China.

Photo courtesy to COSMO.PH

In this regard,  a local Celebrity and ABS-CBN Fear Factor winner, Jommy Teotico decided to launch an advocacy campaign along with SJF Wealth & Investment Management Group. "WE KNOW THE TRUTH." A financial literacy campaign which helps individuals understand basic Financial concepts. "Understanding how you manage your wealth can definitely turn not only an individual future but the entire nation in the long run", said Jommy.

Related blog:

* Schedule of SJF Free Wealth Seminar
* Free Wealth Seminar with SJF
* Why do you need to get a Wealth Manager?

* Join SJF Free Wealth Seminar Now

We were able to set up an interview with Jommy.

Part 1 of the conversation:

SJF Team: " Good Morning Jommy! How are you today?"
Jommy Teotico: "It's a happy day! Spreading the love to everyone!"
SJF Team: " That is so nice of you looking positive in life Jom. So, how are you in your showbiz career?"
Jommy Teotico: " I'm doing good. Kakatapos ko lang ng Soap with ABSCBN and now I'm preparing for new projects and busy with my advocacy in helping people."
SJF Team: "You are doing Advocacy lately? what kind of advocacy?"
Jommy Teotico: " I want to help people. I just launched my own advocacy and supporting SJF Know the truth campaign.                                  

Photo courtesy of #wearemproud

SJF Team: You are currently supporting SJF in their advocacy in Wealth Management?
Jommy T: Yes. I'm currently supporting "know the truth campaign of SJF"
 SJF Team: " what is Know the truth?"
Jommy Teotico: My friend King San Jose told me regarding SJF's advocacy in helping people understand their financial health and proper management. Nagulat ako eto pala ang kulang para sa tamang pagunlad ng tao. Most often, if we talk to agents and often sell us their product or create a plan to input their product. DI TAMA YUN. Kailangan natin ng doctor bago kumuha ng gamot kumbaga. Ang problema, walang doctor. Halos lahat ng tatanungan ko bebentahan ako ng insurance, fund or kahit anong produkto nila. Buti dumating na ang SJF sa Pinas."
SJFTEAM: Why do we need to join SJF Free wealth seminar?
Jommy T: Marami kayo malaman in the event. You will understand information about investments, financial products, strategies and also the advantage of wealth management and SJF Wealth Managers. All about the truth in your finances at di lang yung pati INVESTMENTS!

Related Topics:                                     Related Blogs

* Free Wealth Seminar                         * Risking your life with agents
* Future of Wealth Management           * What is investment Management
* Secret to Financial Success                * Top 10 starting up tips
* Official SJF Website                          * Official SJF International website.

SJF Team: " When did you see there is a problem in the Philippines?"

Photo courtesy of J. Teotico FB

Jommy Teotico : "When I saw people doesn't care but profit in expense of people's future.Nalaman ko na di tama ang paghawak ng pera at tamang pag invest sa mga pilipino. When I keep seeing good economic reports pero marami parin nahihirapan sa buhay dahil merong mali. I believe there is something we can do to help and improve the system. Kaya I decided to support SJF and their advocacy to help people."
SJF Team: " What made you decide supporting  SJF "Tell the truth"  ?"
Jommy Teotico: " Nakita ko yung isang malaking mission nila na tulungan mga tao not only at present for for the future. I learned that proper wealth&investment management makes a big difference in changing lives of a generation. Akala ko kasi dati pang VIP at mayaman lang ang serbisyo.. yun pala, ngayon kahit sino kaya na pwede na! salamat sa SJF.

SJF Team: "Do you have any suggestions in Wealth and Investment in the Philippines?"
Jommy Teotico: " Attend SJF Free Wealth seminar. This is one of the basic things you have to do in your life. Bago ka gumalaw, bumili ng kahit anong Financial instrument, you have to attend at least once in your life. Di ko masyado alam ang finance at investments pero buti na lang meron naman katulad ng SJF na tumutulong.You have to know the TRUTH and the basics at pano ba talaga maayos ang iyong future. They offer complete and real information which brokers wont dare touch. They never sell any financial products or sell funds. They are simply highly trained professionals who just want to help people reach their goals."
SJF Team: "How can we join the Seminar?"
Jommy Teotico: " Punta lang kayo sa SJF Facebook or official website nila. Just click the icon and register. Pag nahihirapan mag register online, tawag lang sa hotline nila at 78-99099 to register.


SJF TEAM: Any tips for the newbie's in Wealth Management?
Jommy Teotico: Magtiwala lang kayo sa isang Licensed Wealth Manager. SJF Wealth Management ay isang Wealth Management who focuses mostly in Client's growth. In simple terms, Di sila nagbebenta ng kahit anong produkto.They focus mostly in your personal growth. Real Wealth Management. This is one of the most important services ng isang tao. Iba na panahon ngayon, We need Financial doctors katulad ng SJF.
Change your life now by attending SJF FREE Wealth Seminar. Learn Stocks, FX and all investment materials and discover how wealth management change your life. I learned about my wealth. Now , it's your turn to do the same."

Related links:

* Official FB Free Wealth Seminar
* Registration for free wealth seminar
* 6 reasons why you need a wealth manager
* Benefits of Wealth Managers
* Tips on how to reduce your debt.

Part 2 of our conversation will be posted on June 12,2013:


Watch out for SJF second part interview with our Celebrity Advocate, JOMMY TEOTICO.
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