Showing posts with label SAN JOSE FINANCIALS. Show all posts
Showing posts with label SAN JOSE FINANCIALS. Show all posts

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.
Related Resources:
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.
Related Services:
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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Thursday, May 23, 2013

Launching your own business is tough and the line between success and failure can be fine; smallbusiness.co.uk's Top Ten Starting Up Tips help you make the right decisions from the outset. 




1. Involve your family
If you have a husband or wife or children, involving them in the decision to go it alone is important. Your home atmosphere should be very supportive, particularly in the early stages. Your family could also be useful as a sounding board, helping out with the odd task or providing feedback or finance.

Related Blog: *Attending Free Wealth Seminar

2. Analyze your personality
You need to ask yourself if you are the right person to start a business. Compile a checklist with the help of the following questions: Can you work long hours? Can you take criticism? Will you be able to cope with financial insecurity? If your business struggled in the early stages, would you continue? Write down the reasons why you are starting a business

Related topics:                                      Related blogs

* Planning your Wealth                           *UITF, STOCKS, RTB'S ? What is the right investment?
* Understanding SJF Products                *What is the future of wealth management in PH
* Knowing your Goals                            *PH one of the top havens for retirement

3. Make sure your product is a must-have not a nice-have Once you've got an idea you need to know that people will need it enough to want to buy it. Many people opt to begin a business by using a skill that they have acquired in their spare time as a hobby, such as jewelry-making. 

4. Your idea doesn't have to be new
Trying to sell a product that is new can be an uphill struggle. Being first is not always best, as you have to educate a market and convince them of the need for your product. So don’t be put off if your idea has been done before – think about how you can do it differently, by including an additional feature or benefit.

5. Know your market better than your competitors
Carry out as much market research as possible. Find out about your marketplace,
Concentrating on areas such as the demand, your competitors and the size of the market. Talk to potential customers, suppliers, competitors, distributors and ex-employees of competitors. 

6. Toe-dip
Everyone has different motivations for starting a business, and toe-dipping means you can test your idea out without risking everything. You can carry on earning money from your job while you are starting up. Use your spare time to carry out your market research.

7. Be honest about your weaknesses
Identify what you do well and what you do badly, dividing it into areas such as financial, marketing, operational and general management. Be honest with yourself, but also be realistic. Try and get someone else to evaluate your answers – another person’s perspective can be very valuable. Identifying your weakness will help you to recognize what you are good at, and which areas you will need to find someone who can do a better job than you.

Related Blogs:
* 9 things to increase your income today
* Tips on how to save MONEY
* 6 reasons why you need to Plan your life and your WEALTH

8. Get a good mentor on board
Remember – two heads are better than one. Seek out the advice of a family friend who has the experience of being in business, or someone who is recommended to you, or someone you are close to. Consider giving them a share of the profits or equity in your company in return for advice.

9. Justify every assumption in your business plan But remember that whatever you write down is not set in stone. Your business plan should have long-term objectives, estimates and forecasts – try to make as many of your goals as possible measurable. The two most important reasons for having a plan are to show to outsiders if you need to raise money, and to help you keep your business on a planned course, so you can spot when things are not going to plan. 

Related blog: Investment Management in the Philippines

10. Keep it in your business plan succinct an ideal format for your plan, if you intend it to be for outside use, is to have between three and ten pages of text that draw out the important points, plus a series of financial figures. Excessive detail should be confined to appendices.

Credit,written and published by www.smallbusiness.co.uk all rights reserved. Copyright 2013

Posted on 11:00 PM by Forex Private Asset Manager

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Wednesday, March 20, 2013



In the Philippines, SJF Wealth Management is a new service for Filipino’s. Wealth Management focuses mostly on an individual’s Total growth instead of a section of your life.
Some key Benefits acquiring an SJF WealthManagement Service.

•  Show you the direction you are taking.
  SJF Wealth Management System helps you see the whole direction of your life.  Warning you with possible scenarios that can affect your lifestyle and wellbeing.
•  Saves you money and makes you money.
 Our team makes sure the quality of work is accurate and precise.  We make sure the quality of work with SJF SEAL of QUALITY.
 We help clients save money and create more money.

Related Blogs:
*Tips on how to save money
*Easy way to get rich

•  Someone is looking after you
  From monthly expenditures  to future problems, SJF licensed Wealth Managers make sure our clients are prepared in scenarios that can affect their lives.

Related Links:
* What is Wealth Management
* Benefits of Wealth Management

• Helps you sort out the FACTS from the Sales Pitch.
  Client’s receive  all materials from insurance brokers, to bankers and real estate brokers. We sort out what you really need in life to achieve your goal.
• Can help you stop taking unnecessary risk.
  Invest in stocks heavily or Time deposits? SJF Wealth Management helps you maximize your investments with SJF PSG services.

Related Topics:
 *9 things to increase your income today
* Tips on how to save money

•Helps you avoid making costly financial mistakes
 SJF Risk management program protects you from wrong investments and minimize your mistakes.

Related Topics:
* What is Investment Management
* Top 10 Starting up tips
* Investment Management Services

• Can help you pay less in taxes
  We help you strategize on how to save paying too much from taxes legally and efficiently via our SJF Tax Planning Program.
• Makes the difference between your Financial Success and Failure.
  Client’s see the whole picture and understand if their strategies will help them grow further or will result in high risk.

Related Topics:
* Risking your life planning with brokers and advocates

• Pays for themselves many time what they contribute to your life.
  SJF Wealth Management contributes to our client’s lives are huge. Saving millions and maximizing your investments ,creating more wealth to our clients.

Related Topics:
*Benefits of Wealth Management
*Future of Wealth Management in the Philippines


• Helps you focus on the rest of your life and make it more enjoyable.
 SJF Wealth Management handles all your Financial Problems, investments and other personal requirement which helps you enjoy your life worry free.




Posted on 6:09 AM by Forex Private Asset Manager

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Thursday, February 21, 2013


Question coming from : Ms. Marilyn Vasquez, Hong kong
Question :
" I'm currently a OFW here in HONGKONG and i have small amount for TIME DEPOSIT .It gives small interest.I'm planning to invest in MUTUAL FUNDS.Just like to ask if it is right to invest now and how much i should invest?

Answer:

Thank you for your question .

Before we invest, we have to consider several factors. We always remember that all investment offer risk which you need to consider. Time deposit also offers risk. We call it Inflation risk.

Inflation is the rate of increase or decrease of service and goods. The more higher the inflation, the lesser the goods or service you can acquire with your money. If we consider investing at the moment, always remember to balance your current cash flow first. If we invested in the wrong time, this will destroy you rather than help you grow.

"is it right to invest now?"

There are lots of people saying that investing now is the perfect time due to market reaction to data but no one can tell when it will go down. We call this risk as Market risk. It is the result of specific data's and reports that can affect the current situation of a company. Issue like interest rate,political turmoil and other issues.

In my personal opinion, before considering investing, the person should consider first if he or she is in the right position. One wrong concept of filipino's are mostly investment is the only solution for growth. THIS IS WRONG. The right perspective would be the solution for growth is not investment but proper portfolio management.

SJF offers the right process in investing. We call this as SJF Investment Planning. It is a SJF Process which helps the client identify his or her current situation and see how much he or she can invest in a safer perspective.
We can compare this process as sacrifice 1 apple to gain 10 more apples.

To know more about goals in life to understand your objective, click here
To know more about investment planning, click here.



In summary, make sure you balance everything first. Understand your goals and consider the risk. Invest in services that can help you . SJF has all the service that can help you grow.

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follow us on twitter @sjfinancials
subscribe to our blogs and visit www.sanjosefinancials.com


by:


King San Jose S., RFP

Wealth Manager
Registered Financial Planner
San Jose Financials Wealth Management Group

Posted on 9:41 PM by Forex Private Asset Manager

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Posted on 7:36 AM by Forex Private Asset Manager

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Monday, January 28, 2013


UITF, Stocks, Real Estate?
Question: What's the real score in investments? What investment is right for you?

 All of the
 investment materials are good. From stocks, bonds, UITF but it all depends on the objective of the client even though most individuals prefer spending rather than saving.

One common mistake of individuals
 is mostly in management and proper identification which are needed to be prioritized.

Related Topics:                                                   Related Blogs
* What is Investment Management?                   * Top 10 Starting Tips

The majority
 of Filipino's and people abroad still invests in conservative materials (SDA's , Time Deposit) and other materials which we all know for the past few years was low. What will be the alternative?

 UITF: If we will put in context based on PNB's definition. A UITF
 Fund or a Unit Investment Trust Fund is a kind of Trust fund which pools investors' funds and invest in various materials such as Government Securities, bonds, Etc.  What I like about UITF is that this is a type of diversification. Instead of raising high capital to diversify your portfolio  you can invest in one of this fund. This is also handled by banks which is a popular choice for many Pinoy's. Putting in a UITF can minimize your risk by diversification. The fund is invested in several instruments including stocks and bonds. With an average performance of 15%-20% per year.

Real Estate: 
If you're thinking about investing in a rental property, experts say low home prices combined with low interest rates make this the best time in years to become a real-estate investor. Since not all investment properties are the same, it's important to determine what type of property fits your strategy, says Harrison Merrill, chief executive officer of Merrill Trust Group, a real-estate investment company based in Atlanta. Do you want to become a landlord, or would you rather restore and resell properties? Are you interested in apartment buildings and other commercial real estate, or in buying land that can be developed? First-time real-estate investors may want to start with residential housing, since it's  cheaper and easier to find a market."MSN Money"
https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9cMyN9CkDNP_15ZAO985rXApWaFR0y3FplXXByrIJKZRz_-SG3uaBcN3N1mjN6M-LungCcFX3ZIm17WxrIS1APvQSphPjpYRuD59OW3R_s_kbdhEee6OxVqKuXd7brI446vzHwDQj4qY/s320/KSX104-126_2012_112544_high.jpg

Related Blogs:
Stock Investments: This is currently a hot cake  in the Philippine market. The capital stock (or stock) of an incorporated business constitutes the equity stake of its owners. It represents the residual assets of the company that would be due to stockholders after discharge of all senior claims such as secured and unsecured debt but what is good about stock is the liquidity. You can dispose this asset anytime you need to liquidate but the disadvantage of liquidity is volatility. Due to liquidity, people are key sensitive in fundamental issues regarding environmental or company performance.

Related Search:

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SJF Wealth Manager's advice: Always diversify your portfolio especially for beginners. If you're quite new in investments and you would like to invest on your own, it will be wise to consult an SJF Wealth Manager before investing. You have to consider many factors. Not only the investment, but your financial health before entering this world of Up's and Down's. Investment is double blade. It may help you and kill you at the same time if you're not careful.


In summary, what is good for you is not what material but the change of attitude and the right people to help you.



Posted on 7:31 AM by Forex Private Asset Manager

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Monday, November 12, 2012

Basic things you want to know about SJF,

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Posted on 5:08 PM by Forex Private Asset Manager

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