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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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.

Related Topics:

* Benefits of Wealth Management
* What is Wealth Management
* Future of Wealth Management in the Philippines
* 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.

Related Topics:

* What is Investment Management
* How to invest properly
* UITF, BONDS etc. What is the best investment?

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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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.
Subscribe to our SJF Blog and Visit our official facebook page.

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The Difference between FREE and Professional SEMINARS. The Truth behind Free services.

by: King San Jose Santos, RFP-LWM

  I believe the most sensitive in all topics is about wealth management. This concept is new to filipino's even though it already existed in the US since 1990's. Currently,we see free seminars  but what is the real score behind this promo's?
  Most Filipino's compare prices rather than checking the quality. This kind of concept does not apply and can be damaging when it comes to investments and topics about your wealth. Instead of helping you, it may limit your growth or even be a main reason for destruction in your finances instead of maximizing your full potential with the right products and strategies.

Related Blogs: 
* Attending Free Wealth Seminar
* UITF, Stocks, Mutual Funds? What is the best Investment?
* Keys to Financial Success

 TOP 10 TRUTH'S AND FACT'S why it is  better to acquire information and seminars from INDEPENDENT Wealth Managers rather than Financial institution with Financial Products.

1. It's a marketing strategy. It helps them rather than it helps you.
       -It is a fact that these "free" seminars are backed with financial products that they always sell to the public. People may realize in the long run  they lose more rather than they gain. We often call as a mask hiding the real face.

 Related blog:

 * Warning on Forex Scams
 * Keys to Financial Success

2. Independent Wealth managers and registered Financial planners are advocates of Truth.
       - The main objective is to help people regarding how they can maximize their full potential and how to  organize their wealth efficiently with the right products and right strategies. This will maximize their growth more than boxing yourself in one institution with 1 product in mind. Do you think they can advise you to buy their competitor even though it is best for you? The answer is definitely obvious.

 3. Wealth Managers tells 100% truth while they barely tell you the truth to protect their product.
     - It's another fact most financial institution tell people how great their product but barely show the truth about the performance. Their objective is to tell you about their services and how it can help you rather than focus on your financial health. Wealth managers objective is to help you. No added information or products.

Related Services:                                          Related Blogs:

* What is Wealth Management?                     * Future of Wealth Management in the country
* Investment Management                              * SJF Free Wealth Seminar


4.  You lose more money than you gain.
        - This is a fact that most people who get their information from wrong institutions ends up losing more opportunities. Their strategies revolves around the product rather than the client.

Related Blogs:

* Risking your future with advocates
* Investment Management in the Philippines
* 6 reason why you need an SJF Wealth Manager

5. They earn more than you do.
        - Filipino's should understand that people who gives free seminar sell products which in return earn through commission. This kind of system affects the growth of the client. Instead of helping them grow further, they limit themselves with existing strategies that will compliment the product.

6. They won't teach you FACTS that can affect the product during seminars.
         - This is a major fact. They will never teach you how you can choose the right products and strategies for you. The more informed clients would be, the more harder for them to sell you the product. We can compare it to a person drinking poison. This will be suicide if they will teach all the facts to you which are the IMPORTANT FACTORS in wealth management.

Related Topics:

 * Beware of forex SCAMS
 * Real Wealth Seminars
 * Attending Free Seminars in the Philippines
 * What is the best investment for you?
  7. Some are agents facilitating the seminars
        - We never like discriminating people but these are facts which we need to be conscious . Wealth management is very sensitive. This can affect your overall growth and the quality of your life. Getting information from the right people may help you gain more . Getting wrong information may contribute on your losses.
     
In summary

Change of concept and thinking. FREE IS NOT GOOD in fixing your wealth.

Filipino's should start changing their concept about quantity and quality. In handling your wealth, Quality is more important that quantity. Definitely, anything that can help or change your financial health is a definitely worth investing.

Related Resources:

 * What are Life goals?
 * Top 10 starting up tips
 * What is the best investment for Juan?

  SJF Fact survey shows that proper wealth management and giving just  right words and advice to a client can help them earn P1M minimum by 10 years with NO INVESTMENT AND CASH OUTLAY . They were able to do it by identifying some key problems and basic strategies in wealth management.

Related Services:

 * Understanding SJF Wealth Management in Investments
 * Keys to financial Success

 We hope this article can help clients choose the right service and the right people to get their information. Philippines is just starting to boom and this modern concept in wealth management is just new in our country.

 We assure you that SJF will be at your side to guide you in Investments and your finances.

If you want to know more about the FACTS and the REAL SCORE in investments and wealth management, attend our SJF Wealth Management.Register online via www.facebook.com/sanjosefinancials to register and reserve your slot or call our helpdesk at 78-99099 now.

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EASY WAY TO GET RICH

by: SJF Team

The new campaign ,"upgrade your life" gained tons of question in the Philippines.
For the past few months since our launch of our new look, we experienced bombardment of questions online and offline. Now, we decided to post the top questions we often receive.

1.What is SJF  Wealth Management?

   

      Wealth Management is a financial service concept that emerged as a specific offering during the 1990’s.Generally, firms that offer such a package provide a wide range of financial services to their clients that will include such basic elements as estate planning, asset management, and even private banking options.

Related Blogs:

* ABSCBN actor and Cosmo hunk, Jommy Teotico support SJF Advocacy 
* Celebrities and models attend SJF Free Wealth Seminar

      SJF Wealth Management System is an investment-advisory discipline incorporates financial planning, investment portfolio management and a number of aggregated financial services. High-net-worth individuals (HNWIs), small-business owners and families who desire the assistance of a credentialed financial advisory specialist call upon SJF Wealth Managers to coordinate retail banking, estate planning, legal resources, tax professionals and investment management. SJF Wealth managers can have backgrounds as independent Registered Financial Planner RFP and MBA's in Finance, or any credentialed professional money managers who work to enhance the income, growth and tax-favoured treatment of long-term investors. SJF Wealth management is often referred as a high-level  for the especially affluent.

Related links:                                                   Related Blogs:

  * Benefits of SJF Wealth Management         * 6 reasons why you need a wealth manager
  * Wealth Management Products                   * tips on how you can save
  * What Is Investment Management?            * Forex Scams in the Philippines

 •Helps you avoid making costly financial mistakes

 SJF Risk management program protects you from wrong investments and minimize your mistakes.

• 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.

• 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.

• 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.

2. What is SJF Wealth Management?

SJF Wealth Management  is a process which a SJF Wealth Financial Planner evaluates a client's current future financial state and balances futures clients risk by adding variables which asses the future asset values and liabilities.

Related Events:

*Attending Free Wealth Seminar
*Register for free Wealth Management

3. What is SJF Investment Management?

SJF Investment Management is a service which a client explains to the financial planner regarding his or her goals. They asses the clients growth and may recommend investing in financial materials which the client may consider.

Related blogs:

* Benefits of investment
* Investment Management services

 

4. Do I really need SJF Wealth Management?

SJF Wealth managers do more than pick stocks. They can help you plan your total financial life.

SJF Wealth Management helps you identify what really benefits the client and develop financial strategies to compliment your financial goals. SJF Wealth Management has vast investment vehicles which will help you build and protect your hard earn money .

Related blogs 

* Benefits of SJF Wealth Management
* The future of Wealth Management

5. I already have enough Income, do I still need a SJF Wealth Manager?

 Yes. People who engage in Wealth Management regardless of their net worth experience  a significantly greater senses of emotional and financial well being. Almost all  respondents who engage in comprehensive wealth management  system feel they are prepared to manage during economic times compare who  do not engaged in wealth management.

6. Is it better to get a Financial advice from advocates and brokers?

 No. Broker’s objective is to sell the product to you. Even though there are some brokers who tries to help the client, the main objective of the broker will still sell you the product.

  Some advocates lack the proper training and knowledge in line with investments and wealth management. Even though they have knowledge in a specific sector, this is dangerous  in general which affects the total future well being of an individual.

Related Blogs:

* Risking your life planning with brokers and advocates

7. I want to increase my earnings, do i need to increase my investments?

 No. There are factors  that we need to consider before we invest. Investments involves risk. We have to study the whole portfolio and client’s current performance before we start investing in different investment vehicles.

Related blogs:

* 9 things to increase your income
* Tips on how to save money

8. I am interested with your service. How do I sign up?

 Click “Contact us” above. You may set up a meeting via phone, skype or visit our office.

9. I’m a Foreigner who stays in Manila, How do I sign up?

Click “Contact us” above. You may set up a meeting via phone, skype or visit our office.

Related blogs:

* Top 10 starting up tips

10. Is there a service that focuses mostly in investment?

Prime Service Group handles our Investment Planning. Talk to our SJF Wealth Financial Planner to know more about PSG

SFJ Wealth Management helps you grow faster and makes your life simple, happy and relaxed. Call SJF Hotline at 78-99099 for more details or visit our official website at www.sanjosefinancials.com 

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Benefits of SJF Wealth Management

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.

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