Showing posts with label business tips. Show all posts
Showing posts with label business tips. Show all posts

Wednesday, July 17, 2013


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.

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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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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.

Posted on 2:36 AM by Forex Private Asset Manager

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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.

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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.

Related Topics:

* 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
* Wealth Management. Not for Millionaires anymore
* What is Wealth Management?

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.

Related Topics:

* 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

Related Topics:

* 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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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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