Saturday, June 29, 2013

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)

Pokhara BoatsWhile 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

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

Posted on 11:45 PM by Forex Private Asset Manager

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Friday, June 28, 2013

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:


Read more >


Posted on 10:54 PM by Forex Private Asset Manager

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Monday, June 24, 2013

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

Posted on 6:44 PM by Forex Private Asset Manager

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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
* What is Wealth Management
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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
* How to invest properly
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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


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.


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Posted on 6:22 AM by Forex Private Asset Manager

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Sunday, June 23, 2013


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



Posted on 12:02 PM by Forex Private Asset Manager

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Wednesday, June 19, 2013

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.esilver 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.

Posted on 3:03 AM by Forex Private Asset Manager

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Thursday, June 6, 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.

Picture courtesy of Cosmo.PH
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.
Subscribe to our SJF Blog and Visit our official facebook page.


Posted on 9:23 AM by Forex Private Asset Manager

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Sunday, June 2, 2013

by: SJF Team
June 3,2013

 Due to public demand, San Jose Financials Wealth Management Group decided to give the public another free wealth seminar which helps individuals achieve their financial goals in life.

This seminar are for clients who wants to understand how SJF Wealth Managers can help them achieve their goals in life.

Related Link:

* Register to Free SJF Seminar
* SJF official Facebook page

  SJF believes in educating the public with the right information will guide them in choosing the right strategy,service and financial product for them.

 Unlike the other free seminars which sells clients insurance, funds or any financial instrument, SJF FREE WEALTH SEMINAR Focuses mostly in client development. SJF Wealth Seminar does NOT SELL any Financial products such us bank funds or securities. This seminar involves mostly in your wealth and asset management.

Related Topics:
 *Keys to Financial Success
 * Wealth Seminar official Facebook Page

Related Blogs:                                     
What is Wealth Management?                    
What is Investment Management?                                         
Services for Wealth Management                                                    

Understand financial products, market psychology and basic investment strategies that will help you plan your life. Know more how SJF can help you achieve your goals in life.

  SJF would like to emphasize that this seminar doesn't sell you products such as insurance, mutual funds, or any financial products. This seminar is purely related to Wealth and Asset Management and the Licensed Wealth Managers profession.

 This seminar are for individuals and corporations who are new to wealth management and investments.

SJF offers free wealth seminar every month. Check  SJF Website to know the schedule for our next SJF Free Wealth seminar.

Related link : *SJF Seminar Schedule

 If you have any questions regarding SJF FREE WEALTH SEMINAR, you may call SJF Helpdesk at 78-99099 in your landline or you may email them at info@sanjosefinancials.com

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* Road to Financial Freedom seminar
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Posted on 8:18 AM by Forex Private Asset Manager

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Saturday, June 1, 2013

by:Deborah Fowles, former About.com Guide

Keys to Financial Success

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are my top ten keys to getting ahead financially.
Related Topics:
* Knowing your goals in Life
* Attending Free Wealth Seminars
1. Get Paid What You're Worth and Spend Less Than You Earn
It sounds simplistic, but many people struggle with this first basic rule.
Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.
No matter how much or how little you're paid, you'll never get ahead if you spend more than you earn. Often it's easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn't always have to involve making big sacrifices.
Related Resources:                    Related Topics:
* Getting out of debt                    Fastest way to invest
* Investing                                   Wealth Management
* Retirement Planning                  Knowing more about SJF
2. Stick to a Budget
One of my favorite subjects: budgeting. It's not a four-letter word. How can you know where your money is going if you don't budget? How can you set spending and saving goals if you don't know where your money is going? You need a budget whether you make thousands or hundreds of thousands of dollars a year.
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3. Pay Off Credit Card Debt
Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it's so easy to forget that it's real money we're dealing with when we whip them out to pay for a purchase, large or small. Despite our good resolves to pay the balance off quickly, the reality is that we often don't, and end up paying far more for things than we would have paid if we had used cash.
Related Topics:
4. Contribute to a Retirement Plan
If your employer has a 401(k) plan and you don't contribute to it, you're walking away from one of the best deals out there. Ask your employer if they have a 401(k) plan (or similar plan), and sign up today. If you're already contributing, try to increase your contribution. If your employer doesn't offer a retirement plan, consider an IRA.
Related Topics:                                Related News
* Retirement Planning                        * Philippines Named Top Retirement Haven
* Wealth Management                       * Be warned Against Forex
5. Have a Savings Plan
You've heard it before: Pay yourself first! If you wait until you've met all your other financial obligations before seeing what's left over for saving, chances are you'll never have a healthy savings account or investments. Resolve to set aside a minimum of 5% to 10% of your salary for savings BEFORE you start paying your bills. Better yet, have money automatically deducted from your paycheck and deposited into a separate account.
Related Topic:                                                 Related Blogs:
6. Invest!
If you're contributing to a retirement plan and a savings account and you can still manage to put some money into other investments, all the better.
Related Topics:                                                     Related Blogs:
* Wealth Manager Strategy                               * How to invest in the stock market
* Attending SJF Investment Seminar                 * Understanding the professionals
* Learning how to invest properly                     * Investing conservatively
7. Maximize Your Employment Benefits
Employment benefits like a 401(k) plan, flexible spending accounts, medical and dental insurance, etc., are worth big bucks. Make sure you're maximizing yours and taking advantage of the ones that can save you money by reducing taxes or out-of-pocket expenses.
Related Topic
8. Review Your Insurance Coverages
Too many people are talked into paying too much for life and disability insurance, whether it's by adding these coverages to car loans, buying whole-life insurance policies when term-life makes more sense, or buying life insurance when you have no dependents. On the other hand, it's important that you have enough insurance to protect your dependents and your income in the case of death or disability.
Related topic: 
9. Update Your Will
70% of Americans don't have a will. If you have dependents, no matter how little or how much you own, you need a will. If your situation isn't too complicated you can even do your own with software like WillMaker from Nolo Press. Protect your loved ones. Write a will.
Related topic:                          Related Blogs
* Estate Planning                     * Investment Management In the Philippines
10. Keep Good Records
If you don't keep good records, you're probably not claiming all your allowable income tax deductions and credits. Set up a system now and use it all year. It's much easier than scrambling to find everything at tax time, only to miss items that might have saved you money.
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Reality Check
How are you doing on the top ten list? If you're not doing at least six of the ten, resolve to make improvements. Choose one area at a time and set a goal for incorporating all ten into your lifestyle.
Suggested Reading:

Posted on 4:47 AM by Forex Private Asset Manager

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