Showing posts with label real estate. Show all posts
Showing posts with label real estate. 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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Monday, April 1, 2013

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:


 •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.

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

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 

Posted on 1:16 AM by Forex Private Asset Manager

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Sunday, March 3, 2013

Financial literacy is low in the Philippines. This is one of the main reason why we always hear clients being scammed in all walks of life including our government officials. Always remember, people offering a secured 10% per month is already questionable .
 In this in our mind SJF opened a new service to Filipino's and all over the world. SJF Investment Planning and Wealth Management is the first in the country that focuses not only in one investment material but consolidating all investment materials into 1 and aligning it to our client's goal.

What is Investment Management?

We would like to quote Marriott School identifying Investment Management
 "An investment Management Plan  creates a framework for every investment activity in which you will participate. It states what you will invest in, how you will invest, why you will invest, what percentage of your money you will invest, and so on. In short, your investment plan significantly affects your investment returns."

Related Topics:                                    Related Blogs: 

*What is wealth Management               * Keys to Financial Success
* What is Investment Management       * Top 10 Starting up tips
* What are your goals in life?                * 9 things you can do to increase your income

SJF is the first in the country that offers purely Investment Planning. This will secure our clients against risk and protect them from unwanted scenarios and unexpected risk that can affect their everyday life.

Investment Management is one of the most important aspect in Wealth Management. This can be implemented in the Philippines. SJF offer this prime service with our SJF Investment and Portfolio Planning 640 and International.It offers consultancy and investment planning for individuals. It helps the client design his or her own portfolio based on goals and objectives along with fundamental analysis of each investment they wish to acquire.

To know more about Investment Management, click here or visit our official website at www.sanjosefinancials.com for more details.

Time to be wise this 2013. Start SJF Investment Planning today and secure your future.

SUBSCRIBE TO OUR BLOG TO KNOW MORE ABOUT INVESTMENTS and WEALTH MANAGEMENT.

Posted on 7:08 PM 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.

'like us on facebook.com/sanjosefinancials
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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Sunday, February 3, 2013


For this month of LOVE, SJF along with Skin Aesthetic Center brings you love and beauty with our Valentine's day promo. Avail our SJF Starter pack starting at P33.33 a day , you will receive a 50% discount on Diamond peel with other freebies.

To avail the coupon, 'like' our facebook page and email us at info@sanjosefinancials.com from Feb 4-28 2013.For more information , log on www.sanjosefinancials.com.


Visit our Official Blog Page and SUBSCRIBE

www.sanjosefinancials.com/apps/blog

Posted on 4:54 PM by Forex Private Asset Manager

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Thursday, January 31, 2013

We would like to invite everyone to check out our new home.

www.sanjosefinancials.com


'Like us on facebook.com/sanjosefinancials


Visit our Official Blog Page and SUBSCRIBE

www.sanjosefinancials.com/apps/blog

Posted on 3:09 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"
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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:

Related Blogs:

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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