Get your business registered in less than an hour! A great help in your investments!

Get your business registered in less than an hour! A great help in your investments!

Hi Millionaires,

Just sharing this good news for those planning to build a new business in Quezon City!

You can now register a business in less than an hour!

Knowing the culture of long lines in the Philippines, especially in government offices and institutions, (yeah, I still recall that when I got my NBI clearance, passport, and other government clearances) this is such a big leap that will really reflect a more business-friendly Philippines.

How did they do that? Very simple.

This is primarily due to the collaboration of local Quezon City government with  

Philippine Business Registry.  The idea is to integrate every legal and government processes and requirements issued by several agencies into one place. These agencies include Department of Trade and Industry (DTI), Securities and Exchange Commission (SEC), Bureau of Internal Revenue (BIR),  Home Mutual Development Fund (Pag-Ibig), Philippine Health and Insurance Corp (PhilHealth), and Social Security System (SSS). 

So instead of going into several offices and be frustrated by very long queues every time, plus the not-so-friendly officers at times, you just now have to follow simple steps and submit all the requirements into one office and you’re on your way to your new business.

Spread the news!

Have fun and millions investing (in your new business)! J

Complete article here . You can also read below!

PS: For those who want to join Bo Sanchez' Truly Rich Club, you can check the details here -  a powerful guide for your financial wealth and spiritual abundance! Also a great help for building connections and enhancing business knowledge and experience with its constant wealth strategies articles! It also invites its members to its Wealth Circle Group - a group of people into business for a more profitable venture! You'll really enjoy it and learn a lot! Join now!

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Can Cost Averaging Method Also Lose Money?

Can Cost Averaging Method Also Lose Money?

Here’s one question from one investor who’s curious on how cost averaging can possibly also lead to a decline in your investment.

I have a friend in Canada who invested in mutual funds in 1990s. He lost money even if it was cost-averaging strategy. How can this be possible?

Here is a short answer from our friend Aya Laraya:

Cost Averaging is a strategy to minimize potential losses PROVIDED that the instrument you are cost-averaging is NOT junk. If you cost-average junk, you will still lose money.A Mutual Fund is no guarantee that you will make money and if the Mutual Fund invests in bad securities, then the investors lose money. The biggest assumption in a Mutual Fund is that you ASSUME that the fund manager KNOWS what he is doing. Unfortunately, there are good fund managers and bad fund managers so if you end up with a bad fund manager who invests in bad securities, then you will lose money REGARDLESS of the investment strategy you employ.

The key then is to carefully choose the investment into which you’ll use the cost averaging method. 
Make sure that you use its power to  empower your investments!

You may have the best technique, but if you're going to take it the wrong way, then it's futile sticking to the strategy.

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Just a sweet note reminder for you.

Have fun and millions investing!

PS: For those who want to join Bo Sanchez' Truly Rich Club, you can check the details here -  a powerful guide for your financial wealth and spiritual abundance!
Receive regular stocks update too for your investments in Philippines Stock Market.

Do not miss this investment!

No stock story or tips for today.

But this time, I would like to share with you this great guide that may help you to become a high-performance achiever, which is actually better than any investing tip or trick you’re looking for.

Yes, this is a way better type of investment than what you may currently have now in our Philippine Stock Market, as this is focused on your greatest asset, which is yourself.

I believe this can greatly help you nail that high performance you may be yearning for.

So stop investing in our big companies for a while, and take a short time to check yourself to prepare you for a much exciting journey waiting for you.

Thank you to Brendon Burchard for simplifying things like this.

Enjoy!

live your life to the fullest!

***

Brendon Burchard’s

6 Guiding Questions for High Performers

Ask yourself these questions several times a day.

Keep this page near your computer or work area at all times to remind yourself

of what to focus on as you seek to be more, achieve more, and serve more. 

Productivity What is my mission today? What must I accomplish today to progress my life?	Persuasion Am I demonstrating bold enthusiasm when I seek to influence others?
Psychology Am I living my truth? What 3 words really define who I am as a person? What 3 words should define how I should interact with others?	Physiology Am I rested and fully hydrated? Am I sleeping, eating, exercising, and hydrating enough to have the energy I deserve?
Presence What level am I in this moment in terms of my emotional and physical vibrancy and presence?
Purpose How can I serve greatly?

***

Personally though, I think I have to revamp myself in terms of all these P’s. HAHA

Well, probably more on the persuasion side.

You see I can be productive, know myself, and have enough energy to do all sorts of things, but influencing others is really a big challenge for me, and exciting at the same time.

But I also believe that persuasion, which I would rather call touching people's lives, is the key to a really more productive life performance. It’s like a multiplier that can vastly enlarge your territory.

If we think of the great people in our history, we can always trace a link of persuasion and influencing in their stories.

How about you? How do you think you can apply these principles so you can live this life to the fullest?

Share your thoughts below.

Have fun and millions investing (in yourself)!

PS1: If you’re a beginner investing in the Philippine Stock Market,  download your investing book here – Investing in the Philippine Stock Market for Beginners! If not, share it to your beginner friends!

PS2: For constant real-time updates, like us in Facebook and follow us in Twitter!

Common shareholder and special shareholder - What's the difference in a stock market?

What’s the difference between a common shareholder and a special shareholder?

Here’s a short answer given by our friend Aya Laraya:

A regular dividend is given if the profits are generated from the regular operations of the company. A special dividend is given when the profits are generated from an extra-ordinary event -- like the sale of an asset that does not occur regularly. Common shareholders are normally entitled to both types of dividends. Preferred shareholders "MAY" be excluded depending on the terms of the preferred shares.

Photo credit

Just a sweet note for you!
Have fun and millions investing!

PS1: If you’re a beginner investing in the Philippine Stock Market,  download your investing book here – Investing in the Philippine Stock Market for Beginners! If not, share it to your beginner friends!

PS2: For constant real-time updates, like us in Facebook and follow us in Twitter!

First Gen Corporation Series G Perpetual Preferred Shares

Conservative investors who want to earn a guaranteed fixed interest of 7.7808% per annum may subscribe the First Gen Corporation Series G Perpetual Preferred Shares via COLFinancial between 3-8 May. Minimum subscription starts at 500 shares @ P100/share.

Some useful notes for you on this offer:

• Since this is an IPO, no commissions are charged should you want to subscribe. Normal commission rates apply upon selling though. (Just don't expect much in terms of capital appreciation)
• These preferred shares can also be traded in Philippine Stock Exchange (PSE) through your broker.
• Minimum lots for subscription is 500 but once the shares are listed, then board lot rules apply and you can sell your 500 shares in lots of 10.

image from etftrends.com

Below are more details in COL’s website:

***

PUBLIC OFFERING OF SERIES G PREFERRED SHARES OF FIRST GEN CORPORATION

Please be informed that the Board of Directors of the Exchange approved on April 25, 2012, the application of First Gen Corporation ("FGENG" or the "Company") to list up to 100,000,000 Series G Perpetual Preferred Shares with a par value of Php10.00 per share to cover the Company’s Follow-On Offering (FOO or the Offer), at an Offer Price of Php100.00 per offer share.

THE OFFER:

Offer Price	:	Php100.00 per share
Minimum Subscription	:	500 shares, and thereafter in multiples of 10 shares
Dividend Rate	:	7.7808% per annum
COL Offer Period	:	May 3 - May 8, 2012 3:30 P.M.
Tentative Listing Date	:	May 18, 2012
		.

In case you’re wondering what preferred shares are, Investopedia explains it for you:

A class of ownership in a corporation that has a higher claim on the assets and earnings than common stock. Preferred stock generally has a dividend that must be paid out before dividends to common stockholders and the shares usually do not have voting rights. 
The precise details as to the structure of preferred stock is specific to each corporation. However, the best way to think of preferred stock is as a financial instrument that has characteristics of both debt (fixed dividends) and equity (potential appreciation). Also known as "preferred shares".A class of ownership in a corporation that has a higher claim on the assets and earnings than common stock. Preferred stock generally has a dividend that must be paid out before dividends to common stockholders and the shares usually do not have voting rights. 
The precise details as to the structure of preferred stock is specific to each corporation. However, the best way to think of preferred stock is as a financial instrument that has characteristics of both debt (fixed dividends) and equity (potential appreciation). Also known as "preferred shares".

Now, is this a good offer for you? 

Well, here’s an insight from our friend Sir Aya Laraya:

This is actually a decent return -- especially given the alternatives for 50k in the fixed-income market.

There you have it! Have fun and millions investing!

PS1: If you’re a beginner investing in the Philippine Stock Market,  download your investing book here – Investing in the Philippine Stock Market for Beginners! If not, share it to your beginner friends!

PS2: For constant real-time updates, like us in Facebook and follow us in Twitter!

Will you enjoy earning guaranteed fixed 6.875% interest?

Conservative Investors who want to earn guaranteed fixed 6.875% per annum may purchase the AYALA BONDS, deadline for subscription on 7-May.

In our last blog, we shared the major differences of different  investments  like equities, bonds, stock market and mutualfund.

image from colourbox.com

Now here’s real-world news from Inquirer Business about offering of bonds:

Ayala raising fundsvia 15-year bond offering

Conglomerate Ayala Corp. launched on Friday its public offering of 15-year bonds that were priced to yield 6.875 percent a year.It is the first corporate bond issue of this tenor in the domestic capital market.Ayala hopes to raise P10 billion from the bond offering, which will fall due in 2027,  as it seeks opportunities for expansion through both organic growth and value-enhancing acquisitions, including infrastructure concerns.“We always ensure that we maintain a highly flexible funding position at the holding company level that will allow us to invest in sizable projects without impeding other value-enhancing initiatives we are currently undertaking,” Ayala treasurer Ramon Opulencia said in a statement.“The low-interest rate environment and the robust liquidity in the system provide an ideal environment for us to be able to stretch our tenors and match the anticipated long gestation period of the investments that Ayala envisions,” he added.The bonds are being offered to the public through underwriters BPI Capital Corp., BDO Capital & Investment Corp., First Metro Investment Corp., HSBC, ING Bank Manila, RCBC Capital Corp., SB Capital Investment Corp., and Standard Chartered Bank.The bonds will be listed on local fixed income exchange Philippine Dealing and Exchange System on May 11.Ayala has been putting more chips into new growth areas like infrastructure and power generation. Late last year, the conglomerate won the bid for the Daang Hari connector toll road under the government’s public private partnership program.—Doris C. Dumlao

Below are the terms and conditions of the Bonds:

Issuer : Ayala Corporation (AC)

Offer : Fixed Rate Callable Bonds

Issue Size : PhP 10 billion

Tenor : 15 years

Call Option Exercise : Starting 10th year and every year thereafter up to the 14th year until exercised

Interest Rate : 6.875%

Coupon Payment : Quarterly

Taxation : Interest income is subject to 20% final withholding tax. All sums payable to tax-exempt institutions (TEIs) shall be paid in full.

Maturity Date : May 11, 2027

Minimum Investment : P50,000.00, and in multiples of P10,000.00 thereafter

Bond Rating : PRS Aaa

Form : Scripless. Investor will receive a Registry Confirmation as proof of investment.

Timetable : Public Offering - April 30 to May 7, 2012

Issue date - May 11, 2012

Also, below are additional insights from Sir Aya Laraya regarding this Ayala bond offer:

You don't "withdraw" bonds; you sell them if you want the principal earlier than maturity. If there is a willing buyer and the price is good for you, then you can sell your bonds. Medyo mahirap lang magbenta kasi mahirap mag-presyo at maghanap ng buyer. Usually, the only buyer is the bank or investment house who sold it to you so its hard to get true market rates.Also, since these are "Callable" bonds, this means that, beginning on the 10th year, if AC can re-finance at lower rates, they can "force" you to sell the bonds back to them -- normally at face value.

For more details, you may visit your nearest BPI branch.

Have fun and millions investing!

PS1: If you’re a beginner investing in the Philippine Stock Market,  download your investing book here – Investing in the Philippine Stock Market for Beginners! If not, share it to your beginner friends!

PS2: For constant real-time updates, like us in Facebook and follow us in Twitter!

Bonds, Equities, Mutual Funds and Stock Market - What's the difference?

Bonds, Equities, Mutual Funds and Stock Market - What's the difference?

Here’s another question from a confused user in Pesos and Sense Page regarding different types of investments:

Bonds, Equities, Mutual Funds and Stock Market--I'm still confused about the differences among them. May I know what is their main difference from each other?

And here’s a short answer provided by another user (Allan Miranda) in the forum:

image from stockexchangebd.net

Bonds - pautang ng isang institution (like Government or a corporation). Meron na pre-determine interest rate (fixed interest).Equities - parte ng pag-aari ng isang companya, called shares. Walang fixed interest na pwede ibigay ang equity, dahil ang mga company na nagnenegosyo, pwede kumita or malugi ang napili mo equity.Mutual Fund - isang company na registered sa SEC.. Ang tanging pakay ay i-pooled lahat pera ng mga investors (malaki man o maliit), ibigay sa isang fund manager para palaguin depende sa objective ng mutual fund.
Stock Market - heto ang "palengke" or bilihan/bentahan ng mga investors sa mga equity (retail investor like tayo OR institutional investor like a Mutual Fund company).

Ayan, alam nyo na!  J

Another set of bits of info for us!
So find the type of investment best fit for you!        

Have fun and millions investing!

PS: Like our Facebook Page - Investing in the Philippine Stock Market!

PS2: Follow us in Twitter too!

Q&A - What happens if a company becomes delisted in the Philippine Stock Exchange?

Q&A - What happens if a company becomes delisted in the Philippine Stock Exchange?

That’s one interesting question I found in Pesos and Sense page which can be one exit strategy of any company to get out of the Philippine Stock Market. The question came out after some related news about PCEV.

Here’s the exact investing question from one facebook user:

Hi...COL informed holders of PCEV shares that PCEV will have a petition for voluntary delisting...what does this mean for a shareholder like me...do I have to sell? what will happen should I decide to sell or not to sell? thanks in advance for your advice

And here’s a short answer given by Sir Aya Laraya

Best Dividend-Paying Companies in the Philippine Stock Market

If you remember from one blog here, there are primarily two ways of earning and making money in the stock market – capital gains or when the price of a stock increases; and dividend which is part of the earnings by company  divided among its shareholders.

Now below is an article from Inquirer Business about dividends considering the present performance of the Philippine Stock Market. It also adds to what we already know about dividends:

"Dividends, which are paid by companies regularly to shareholders and taken from earnings, are one way of boosting shareholder value. Dividend payments can also be a gauge of financial well-being of companies. They may come in the form of cash, stock, or property. Property dividends—which can be shares in a subsidiary company or physical assets—are rare, though. Over the past 12 months, the only Philippine companies that have distributed property dividends are Manila Electric Co. and RFM Corp." 

 Now we know what a property dividend is! J

image from moneygurado.blogspot.com

Here are some of the highlights of the article sharing some of the analysts’ expectation of the performance of the Philippine Stock Market

• Steady and increasing dividends from companies that are past their high-growth phase are often an indication of sound fundamentals and say a lot about future prospects.
• The Philippine companies that are likely to declare good dividends this year include those from the telecom, utilities and media sectors
•  For this year, Philippine Long Distance Telephone Co., Globe Telecom Inc., Bank of the Philippine Islands, Semirara Mining Corp. Aboitiz Power Corp., Manila Water Co Inc., First Philippine Holdings Corp., ABS-CBN Corp. and GMA Network Inc. are among companies that are likely to declare good dividends, she says. Filinvest Land Inc. also offers high rate of dividends.

Read the whole article below: http://business.inquirer.net/55267/dividends-as-added-attraction-to-investors

CitisecOnline.com. Inc. became COL Financial Group, Inc.

Citiseconline has just changed its corporate name from CitisecOnline.com Inc.  to COL Financial Group, Inc. Next in the line is the launch of its new COL financial website by July 1 2012.

Here is an email from them about this change:

***

Dear COL Customer,

We would like to invite you to try the Beta version of the new COL Financial website with a host of new and more powerful online features to further enhance your online investing experience. Log on to www.colfinancial.com with the same account information. You can find out more about each of the new features through our attached guide. For now, please use Google Chrome as your web.

View our guide to the new COL Financial website.

Important Disclosure: Please be advised that accounts that track an EIP Portfolio will have total shares consolidated in your Portfolio page in the Beta site. Should you wish to enter EIP orders or see both portfolios separately, please log on to the current website at www.citiseconline.com or www.citiseconline.com.ph which will remain active until the end of June 2012.

Given the Beta test period, please note that there may be some links in the homepage that are still under development and may redirect you to our current website. All these will be completed as soon as we come to formally shift to the new COL Financial website by July 1, 2012. Thus we encourage you to get acquainted with the new website and some of the ongoing changes.

***

Below is its new homepage in its beta version. The works is still ongoing until the new site becomes officially launched. But for now, existing COL’s clients can check it now and try and feel its new features and functionality.

New COL Financial Inc. Website

As a short note, one of the good things they added is the figures for net values of gains and losses. Unlike before where you only see gross gains and losses, the new website will actually show you the net gain/loss in case you sell your particular stock.

What does this mean?  NO MORE A NEED FOR ANY COMPUTATION IN YOUR END! YayaY!       

You’ll easily know if you’re selling for a profit or loss and how much you make exactly.

Well, this only implies a better trading experience for every COL’s investor clients.

Have fun investing!

How you can make big money as an employee

What’s the first limitation of being an employee?

It’s the limited income.

Why limited?

Because being an employee means exchanging your time for money.

And for the 22 long years I’ve been in this planet, I have never met a person with an eternal life.

With our temporary life, we got only limited time and thus limited bucks of money.

So the best thing to do next then is to maximize whatever opportunity we have in our employment. And possibly squeeze it with the most we can get out of it.

Of course it sounds easier than actually doing it.

image  from http://www.authoritydirectory.com/ 

Which leads me to this good-read article from InquirerBusiness.

I will share a separate blog for my thoughts on this. In the meantime, enjoy reading!

And share your comments and thoughts below!

Have fun investing!

The Key is Financial Literacy - DepEd to run Money 101 for Pinoy kids

So you’re lacking financial literacy and want to increase your chances of achieving your dream of financial freedom?!

Well, you can go back to your grade school!

I got this good news from Yahoo! News - http://ph.news.yahoo.com/deped-to-run-money-101-for-pinoy-kids.html that the Department of Education (DepEd) is considering teaching financial literacy to our little children as young as Grade 2 pupils.

I believe this is a good move from the institution considering that we look money as that thing that makes the world go round. If we want to make this world-rounder in favor of us, then it is just sensible to examine on how to properly and control this tool at an early stage in life. J

Robert Kiyosaki in his best-selling book Rich Dad, Poor Dad has consistently emphasized the value of financial education. He mentioned that people are taught in schools how to be an employee and thus work for money.

Students are taught how to build buildings and bridges and never how to build one’s wealth. In the end, the same people suffer because of a mere ignorance and lack of financial education.  They remain slaves of their work, helplessly exchanging their limited time for their equally limited income.

I personally take heart on those hard-working generous helpful people yet still finding themselves struggling in their financial life. If only they could understand the few basic principles of how money works, then they could have a much better financial mindset and stronger financial foundation.

The key is education!

I myself had to examine myself and check whether my thought and beliefs are supportive of the financial goals I have. After that I had to invest and educate myself and replace that non-supportive garbage with useful financial bits of info.

Once one has the financial foundation, the rest is simply following of steps to financial freedom!

Thus this DepEd initiative could really help drive our youth build businesses and make money work hard for them instead. This can be the start of building a new generation of Filipino entrepreneurs providing local jobs to many - a glimpse of a brighter Philippines! Just imagine if we have lots of MVP’s, Henr Sy’s and Lucio Tan’s abounding in our land!

Read the whole article below and be inspired!

Have fun and millions investing! J

Why you should follow COL's Easy Investing Program – EIP

If you want to invest in the Philippine Stock Market the easiest yet profitable way, then Easy Investing Program may be answer to the prayer you’re waiting for. It’s equally applicable to experienced and clueless investors. While it’s quite a very passive approach, the returns of this method of investing can equal the gains of a more active trading in the stock market. So if you’ve just started in growing your finances through the stock market, then Easy Investing Program is the best tool for you to start with.

What is EIP?

EIP is launched by Citiseconline last 2008 demonstrating the power of Peso-Cost Averaging Method. You can read more about Money-Cost Averaging Method in this blog - The Easy Way of Investing - Peso Cost Averaging.

CitisecOnline's (COL) Easy Investment Program

In CitisecOnline terms, Easy Investment Program or EIP is an investment program where investors purchase a basket of good quality stocks on a monthly basis using the peso cost averaging method.  For example you set aside Php5,000 per month  to buy stocks of the greatest companies present in the stock market .

From the nature of Easy Investment Program, one can see the beauty inherent in this method:

• Anyone can do it! Since timing the market is not important, anyone can leverage on it without so much analysis market timers or active traders normally do. You just buy when it’s buying time and let it grow with time. That’s it! No complexity whatsoever!

• You actually buy more shares when prices are down. Since you do this activity regularly, then it’s automatic that you actually buy more shares when prices are down, allowing them to achieve higher returns when prices start recover!