Getting Financial advice from Independent advisers

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

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

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

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

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

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

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

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

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

Photo courtesy of kristin.com

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

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

business and his experience with SJF Wealth Management.

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

Jose's start in ABSCBN and in Showbiz

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

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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.

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Philippine Stocks erased all earnings this year

by: Jennifer Austria 

Bloomberg

Photo courtesy of PhilStar

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

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

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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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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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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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Proper way to Invest

By: FPT 

From FPT Website

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



Related Topic: 6 Reasons why you need Wealth Management

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

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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.

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

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

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

By: SJF News Team
June 7,2013

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

Photo courtesy to COSMO.PH

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

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* 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!

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* 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."

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* 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 Secret Keys to your Financial Success

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.

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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.

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* Getting out of debt                    Fastest way to invest
* Investing                                   Wealth Management
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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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*Investment Planning in the Philippines
*9 things you can do to increase your income

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.

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*Knowing SJF Assistance
*Planning Your Life

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.

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* 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.

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*Risking your life with a broker                        * Tips on how to save
*Understanding Wealth Management   

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.

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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.

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* Attending SJF Seminar

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.

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*Complete Wealth Management System

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.

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* 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:

*Wealth Management
*Investment Management
*6 reasons why you need a Wealth Manager

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Top 10 starting up your finances properly

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

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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.

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* 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

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9 Things to Increase Your Income – Today

 by:Written by Peter Roosen and Tatsuya Nakagawa from Atomica Creative.

 All rights reserved. Copyright to the author.

When is the best time to put yourself in a position to increase your income? Simple, the answer is today! Had you started this a few months back, you'd be well on your way. You didn't though so here we are.

Many of us are making the same money we did in 2007 and there are no bluebirds on the horizon. So, it's up to us to do something. 

If you are happy with your income level and not phased by the way everything has become more expensive in the last year, save time, stop reading, go take a nap. If however, you want to get a leg up and you are willing to do the work, read on - these will help you on your journey. 

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* Attending Free Wealth Seminar

So here are some things you can do to put yourself on a track headed for higher salaries, higher commissions, and higher rates. No one is going to do it for you, it's your ship to navigate.

1. Wake up early. Did you miss this one already? Don’t worry because we have 8 more things you can do to increase your income – today.


2. Practice and improve your speaking skills. Join a Toastmasters club if there is one in your area. If there isn't one, get a few like minded people together and start one.
   
   One of the most touted things people in business recommend to help others improve their income is to improve their communication and leadership skills. Being able to confidently stand up and speak in public is one of the most visible and recognized skills you can have at your disposal. Being able to present a compelling case to a customer prospect or to your boss as to why they should spend more on you or whatever you are selling likely won’t fly if you are a wallflower or turn to mush when called on to speak. You should instead stand and deliver your message in a clear and compelling manner.
        Related blogs: 9 things you can do to increase your income 
       

3. Sharpen your knife. Whatever your area of interest, become better equipped to perform analysis. Practice reviewing financial statements. Pay attention to the various aspects that experts in the field are looking at. Start with whatever your company or organization pays you. Whether you own it or not, learn to analyze it as an owner does. If you are in a technical area, practice analyzing the problems you are working on as though you were an expert or an owner with a vested interest in the outcome.


4. Ask. Ask for the order if you are selling something. Lift the telephone even if it seems to weigh 10, 000 pounds when it is time to ask a customer prospect for an appointment. When facing this person, ask for the order even if it is not highly likely you will get it and the odds are high that you will face rejection. Ask your boss for a raise if you are indeed as valuable as you think you are. Ask for candid feedback if you are not sure. Ask for a more generous severance package if you were wrong. People who tend to avoid asking difficult questions, generally do not fare as well as those who do ask such questions.


5. Focus. This is stressed so often in so many places by so many people that it has become cliché. But that doesn’t make it any less valuable. So, like so many others before us have said: focus, focus, focus.


6. Spend less. Spending money usually takes time and effort away from making money. It can substantially weaken your power base if you squander your financial resources and leave yourself dependent.


7. Increase your documentation habit. Writing or somehow tracking information in a permanent form dramatically decreases the need to remember stuff. It frees up tremendous mental capacity if we don’t need to rely on our memory for everything. In practice, those who document stuff well (from long term goals to short term stuff like contact information and item lists) tend to enjoy increased memory capacity.


8. Review meaningful stuff in a meaningful way. Find ways to immediately assess what you are doing so that you can determine what creates value. Then focus on it, and scrap the stuff that does not. Chances are that most of your value creation occurs in a relatively small amount of time. This works well with having good documentation habits.
          Related blogs: keys to Financial success


9. Take your best shot first. If you only had a day left to live and wanted to accomplish something meaningful, how would you approach the day? Don’t waste time fumbling around on unimportant or trivial tasks that won’t help you make an impact. Set the unimportant matters aside, focus on what matters and make the best move you can toward accomplishing what you need to accomplish to make your last day count.
   
   Use this same philosophy when it comes to increasing your income. If you have a good customer prospect or some opportunity to demonstrate a high value proposition to your boss or co-workers, don’t wait. Do it now. If it doesn’t work, you might still get another shot. And if it does, then you have just increased your income!

You might have noticed that some of these above things are slanted from a financial perspective. This is not by accident. There is a strong correlation between one’s income and his or her proximity to the financial aspects of the business or job. Owners, lawyers, accountants and top managers who tend to be involved with the financial aspects of life and business, tend to have much higher incomes than people who do not.

Related Topics:                                                                   Related Blogs :

* What is Wealth Management?                                      * Keys to Financial Success
* Investment and Growing your money                          * Top 10 starting tips
* Managing your investment                                              * 9 things you can do to increase your income

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