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. 

Related blogs:

* 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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Tips on how to save

To know more how you can manage your wealth,
CALL 78-99-0-99 (metro manila area) (+632 78.99.0.99) outside manila.

MSN Money.com

Modern technology helps us spend our money more easily, thanks to the instant gratification credit and EFTPOS systems facilitate. If you need to do the opposite: spend less or save, then some good old-fashioned money-saving tips might work for you.

I've trawled back to find some of the best tried and tested money management skills that should be revived. Granny managed money a hundred times better than any of her grandchildren by taking this approach:

Related blog: * Attend Free Wealth Seminar

Spend only cash

Yes. Try a week or even a month without your credit or EFTPOS cards. Pay everything in cash and know that you've not gone into debt at the end of the month. Or if you've got direct debits set up for your rent and utilities bills and don't want to cancel them, you may want to spend cash only for non-essentials.

Put your change in a jar or even a piggy bank

At the end of each day empty the coins out of your pocket or purse and drop them in your see-through jar or piggy bank. Or give something up, such as cigarettes, wine, or even buying magazines, and put the money you would have spent in your jar and watch how quickly your jar fills with coins and the folding stuff.

Related Blogs
* Keys to Financial Sucess
* 9 things you can do to increase your income
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Use envelope budgeting

In the old days people received their pay in cash. Good money managers would then split it into envelopes for things like rent, mortgage, groceries, public transport or car expenses, saving and so on. There's nothing stopping us withdrawing our cash as suggested in tip number one, and splitting it into envelopes. Once each envelope is empty you know that you've spent all you can on that category and that any more expenses will have to wait until next pay. Make sure one of your envelopes has the following word on it: savings.

Go back to basics with your shopping

You don't need Mr Muscle or that fancy shower cleaner. There's no cleaning job that can't be done with baking soda, vinegar, methylated spirits, washing soda, or a combination of the above. Likewise, bypass any processed food in the supermarket. Our grandparents ate meat, vegetables, potatoes and bread back in the 1950s and were mostly healthier for it. Allow yourself just one luxury a week such as: ground coffee, muesli bars, Coca-Cola or juice, individually wrapped anything, boutique breads and so on. Not all of them.

Do your banking in person

If you've overspent it's all too easy to go online and move money from one account to another. If you have to go to the bank to do it, you might think twice.

Related Services:
* What is Wealth Management?
* Services under Wealth Management
* What is Investment Management?

Budget

Oh yes. Find out how much you're over spending by and work out how much that works out per day. If you're over spending $2000(P100,000) a year that's $5.48(Approx P250) a day. There would be very few people that couldn't cut that out of their spending if they were honest with themselves. Then make a decision that will increase your income and you'll soon be saving not heading for financial Armageddon.

Be sustainable

Granny reduced, reused, and recycled without even thinking of her environmental impact. She made things last longer — even things that we consider to be disposable such as zip-lock bags. She even darned socks to give them another year's life out of them.

If you have no discipline you need radical changes to your approach to money management and granny's tried and tested ways might be the answer. There is no magic formula. You need to reach into yourself to make those changes.

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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.

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* ABSCBN actor and Cosmo hunk, Jommy Teotico support SJF Advocacy 
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      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.

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* 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.

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* 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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Wealth Management: Not just for Filipino Millionaires anymore

By SJF team

In every problems we have in our lives, we tend to go to professionals on how we can solve our problems or how to reach our objectives.

If you have a headache? You See your doctor.

If you have a toothache? You See your a dentist.

A money problem or investment problem? Well, that's when you might want to make the acquaintance of a good Licensed Wealth Manager.

Related Blogs:

*What is Wealth Management?
*What are the other services of Wealth Management?
*Investment Problem? NO PROBLEM WITH SJF
*Future of Wealth Management in the Philippines
*ABSCBN Hunk and COSMO supports Financial Literacy Advocacy of SJF

Maybe you've come into a large inheritance or your own income popped suddenly.

Maybe you gave birth to triplets or recently divorced. Maybe you just bought or sold a business. Or maybe you just feel uneasy about your money -- you're not sure where it's going now or how far it will take you in the future.

Whatever your money problem -- too much or too little -- A Wealth Manager can probably help.

Why do you need an INDEPENDENT WEALTH MANAGERS?

Independent Wealth Managers can recommend you the RIGHT PRODUCTS, investments and other financial products that YOU NEED rather than hear sales pitch from agents and brokers. Wealth Management is a very sensitive issue that can affect your future. You may be paying for insurance that you dont need or may be losing money with over investment.
Independent wealth managers also can give you reports what are best for your money rather than limit yourself in one institution or 1 bank.

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* Free Wealth Seminar
* Schedule for Free Wealth Seminar
* SJF Wealth Management Seminar
* Secret Keys to Financial Success

No one can dictate the high probability of reverse trend in your finances which can affect not only yourself but you family as well."Many people don't realize that hiring a Wealth Manager" can be a good investment," says Gerri Detweiler, radio host and author of "Slash Your Debt." "If you find yourself letting important financial decisions go because you just don't seem to get around to them, you might want to talk to a Licensed Wealth Manager to get those jobs done."

Currently. there are free Wealth Management seminars SJF offer for first time clients. We strongly suggest to attend in one of the seminars before getting Wealth Management services.

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Investment Management in the Philippines

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.

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A new milestone on SJF Wealth Management and Philippines web design. CHAT SERVICE ONLINE

A new Milestone in Philippines Wealth Management and Web Design.

San Jose Financials official web page, now upgraded. Ver 2.3

NOW ONLINE.

visit www.sanjosefinancials.com

Our blogger site now also offers chat and inquiry service.

Related Blogs:

* 6 reasons why you need a Wealth Manager

* Investment Management In the Philippines

* Key to Financial Success

* What is Wealth Management? The Future of Wealth and Asset Management in the Philippines

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SJF Financial Plan Poster of the week

If you don’t have a Financial Plan, you’re like driving a car blindfolded.

Plan your life now with SJF Financial Plan 101 now.

SJF is now an International Financial Planning Firm. Discover the secret to experience Financial Freedom by investing in Prime services and Wealth Management by SJF.

http://www.facebook.com/sanjosefinancials

To know more about Financial ,Investment Planning and other products :

Visit www.sanjosefinancials.com or email us directly at info@sanjosefinancials.com

UPGRADE YOUR LIFE NOW

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What is Wealth Management? The Future of Wealth Management and Investments in the Philippines

Growing Philippines

 In today's market, Philippines starting to mature and comprehend the world of investments. They tend to crave for knowledge and understanding about financial instruments that can help them achieve their goals in life. Along with the interest in investments are the brokers. From real estate to insurance, we hear left and right offers in various instruments which confuses the public.


Driving your car blindfolded?

Life is like driving a car. You exert effort/energy to get to your destination but what happen if we drive blind folded? This is one mistake most working Filipino do. They continue to work and acquire financial instruments blind folded. They get most of their information from brokers which they often sell the material to them. The result? Either they don't need the material for their current situation or over acquisition of materials driving their growth slower or even in the opposite direction.

Related topic:                                                   Related Blogs:
* What is Wealth Management?                        * Keys to Financial Success
* Products for Wealth Management                   * Top 10 Starting up tips

Taking Financial advice from brokers and advocates

This is the latest trend in Philippines. Brokers and advocates are scattered in the metro claiming they have the right solution,formula or even product to help you grow. Pinoy's think they can save more money by attending advocates or brokers seminar with their product ending up with wrong solution making the situation worse.Some even pretend to be Financial planners and advocates.

"The best things in life are free except in Finance and if we talk about your money."

This is one attitude that Filipino can be relate . Looking for opportunities to save money but this concept is only applicable when acquiring assets. In service especially in Personal Finance, if you expect things are free, expect the performance of your portfolio is next to 0 or even in negative territory.

The quality of service and the investment in technology and hiring smart and highly qualified people doesn't come cheap. When we talk about Finance, investments and your money, quality is more important than being cheap or do you rather lose money?


 SJF Wealth Management and SJF Licensed Wealth Managers

SJF Wealth Management is new to the Philippines. This is one of the secret of rich countries why they were able to grow fast in small amount of time. SJF Wealth Management System is a  process  which a SJF Wealth Manager evaluates a client or investor's current financial state and balances future client's risk by computing the assets and liabilities and forecasting future values of the said class.

"Wealth Managers never sell any Financial Products such as insurance, estate,stocks,etc. They are only focused on your growth."

In simple term,SJF Wealth Management is the process of consolidating all your requirements. It computes how much you really need in your life. It also computes your current situation and even your risk. For short, it gives you the path you are taking.It can also alert you in changes in your lifestyle that may affect your family.

Related Topics:

*Understanding your goals in Life
*What is Wealth Management?
*Professional Service for Wealth Management

Related Blogs

*Keys to Financial Success
*Top 10 Starting up tips
*Tips on how to save money

Who creates the SJF Wealth and Asset Management Plan?

 SJF Wealth Managers are professional who prepares, compute and evaluates your current situation. They are the one who creates detailed strategy which help you maximize your full potential.

5 reasons why you need to hire an SJF Wealth Manager.

1. Retire early : Taking out vague hopes and non realistic goals, SJF Financial Planners can help you create real and effective retirement planning strategies that will give you early and Comfortable retirement.

2. Sleep soundly at night: Having an SJF Wealth Managers with you. You don't need to worry about anything. SJF Wealth Manager studies all your taxes, insurance, investments,tax planning and anything that can affect you as an individual.

3. Maximize profitability and minimize risk

  SJF Wealth Managers help you manage your own investments. They study all financial instrument that can affect your whole portfolio. Get professional consultation.

4. Less Spams and unwanted materials

  SJF Wealth Managers  make sure they help you reach your goals and dreams in life by proper planning and management of your hard earn money.

5. Open new businesses/Acquire properties worry free

 SJF Wealth Managers s help you prepare you for your goals and this includes  your business and properties. SJF Wealth Managers  helps you prepare through estate and financial planning. They can help  you start your business without affecting your current situation and future circumstances.

SJF Wealth Management can give you tons of benefits and can help you maximize your full potential. Have confidence in getting advice from the real professionals in Finance and Investments.
This can help you achieve your goal early and worry free.

For more information about SJF, visit www.sanjosefinancials.com

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(Question of the Week Feb 15-24)

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

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