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Dec 29, 2011
2012 year of the Dragon
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How Your PhP10,000 Can Change Your Life
How Your PhP10,000 Can Change Your Life
The Pinoy is conservative. Maria Clara in baro't saya proves this point. But times are changing fast. Today, Juan de la Cruz is spotted working late. Backlogs are piling and holiday deadlines are on the horizon. Wearing a shirt and tie, he’s waiting for his cup of triple-shot venti latte while composing an e-mail and talking on his Blackberry simultaneously. ‘A day should have more than 24 hours’ Juan de la Cruz thinks to himself.
Because of greater demands, the Pinoy is now aggressive. But in managing finances, the Pinoy remains to be conservative. And because his time deposit is just earning him 0.25%-3.0% on the average per year, inflation is eating up his money like a termite on wood buffet.
But the Pinoy has hopes. The Pinoy has aspirations. And if he has big dreams, he needs to be gutsy. It’s hard to become wealthy by playing it safe.
Source: http://www.investorluranski.com/2011/10/how-your-php10000-can-change-your-life.html
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Where to invest P100,000?
Special savings deposits. You can place the money in a special savings account that earns a much higher interest than a regular savings account.
Time deposits. “P100,000 can be invested in a variety of ways. If you can’t tolerate any risk and would like your money to be near cash, or very liquid, stick with time deposits,” says J. Randell Tiongson, a Registered Financial Planner (RFP).
T-bills. If you want relative safety, place your money in short-term government securities like Treasury bills (T-bills).RTBs. You can also invest in longer-term government securities like Fixed Rate Treasury Notes (FXTNs). Alternately, you can invest in Retail Treasury Bonds (RTBs), which require much smaller amounts.
UITFs. Unit Investment Trust Funds (UITFs) are pooled funds that trust departments of commercial banks invest in various securities.
Mutual funds. Similar to UITFs but more regulated, mutual funds pool money from thousands of investors. There are different types depending on your investment objectives. Randell explains, “Mutual funds and UITFs may be good options as they show good capital appreciation especially if you hold on to them for a long time.”
Stocks. You can buy shares of publicly-listed stocks and ride the current bull run. “There’s always the stock market if you can take the risk,” says Randell, adding, “Another option is an equity-based mutual fund or UITF that can take care of managing the stock investments for you.”
Foreign currency. You can exchange your P100,000 into foreign currency like the euro. Banks and forex brokers let you do this.
Insurance plans. Whole life insurance plans have a savings component. A variation is the variable (also called unit-linked) insurance plan, which gives you greater control on how your premiums are invested.
Endowment plans. These are insurance products that don’t provide lifetime coverage. They are often positioned as investment products because the emphasis is on the returns. Randell says, “You can also opt to purchase a single pay life insurance with an investment portion or an endowment. You can grow your money and get some insurance coverage while waiting.”
Pension plans. You can buy a pre-need pension plan, that is, if you’re undeterred by the negative news on certain pre-need companies.
Read more: http://www.sulit.com.ph/index.php/view+topic/id/80428/Where+to+invest+P100%2C000%3F
Dec 24, 2011
Dec 16, 2011
Canada Job Bank - Work Abroad: Cook
Cook
Title: Cook (Fusion Style Korean Cook) (NOC: 6242)
Terms of Employment: Permanent, Full Time, Overtime, Weekend, Day, Night, Evening
Salary: $17.00 Hourly for 40 hours per week
Anticipated Start Date: As soon as possible
Location: Vancouver, British Columbia (1 vacancy)
Skill Requirements:
Education: Not required
Credentials (certificates, licences, memberships, courses, etc.): Food Safe Certificate
Experience: 3 years to less than 5 years
Languages: Speak English, Read English
Work Setting: Restaurant
Cuisine Specialties: Korean
Food Preparation Specializations: Stocks, soups and sauces, Meat, Seafood
Types of Meals/Food Prepared: All meals
Specific Skills: Prepare and cook individual dishes and foods, Plan menus, Ensure quality of food and determine size of food proportions, Estimate food requirements and costs, Supervise kitchen staff and helpers, Maintain inventory and records of food, supplies and equipment, Manage kitchen operations
Other Languages: Korean
Employer: Sushi Star
How to Apply:
Please apply for this job only in the manner specified by the employer. Failure to do so may result in your application not being properly considered for the position.
By Mail:
750 Nelson St
Vancouver, British Columbia
V6Z 1A8
By E-mail: letsdoa@gmail.com
Pinoy Abroad Home | Canada Job Bank - Work Abroad | Manila Buzz - News and Views
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Dec 13, 2011
Pinay toy maker hailed in London | ABS-CBN News | Latest Philippine Headlines, Breaking News, Video, Analysis, Features
Pinay toy maker hailed in London | ABS-CBN News | Latest Philippine Headlines, Breaking News, Video, Analysis, Features
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source: ABSCBN Bandila http://www.abs-cbnnews.com/video/global-filipino/12/09/11/pinay-toy-maker-hailed-london
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source: ABSCBN Bandila http://www.abs-cbnnews.com/video/global-filipino/12/09/11/pinay-toy-maker-hailed-london
Dec 7, 2011
Tiens Business Opportunity
PLACE YOUR ORDER TO:
TUCP and PGEA Compound Corner Masaya and Maharlika sts.
Barangay Old Capitol Site, Quezon City, 1101
Tel.No.(632)9299916 and (632)9941334
Mobile No.+639175631926 & +639393989400
Email: alevars@yahoo.com
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Dec 3, 2011
Tiens Business Opportunity
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Dec 2, 2011
Tiens - Business opportunity
Tiens - Business opportunity
The Tianshi Group is a privately held corporation by Mr. Jinyuan Li, the Founder and President of Tianshi Health Products, Inc. Mr. Li is a leader and a visionary who continues to provide stewardship and guidance as president of The Tianshi Group, Inc. Mr. Li knew that, while "tradition" shares essential truths about nutrition, Tianshi needed a non-traditional economic model to meet the demands of doing business in a country as vast and rapidly developing as China. He recognized that the powerful word-of-mouth advertising and sales of Network Marketing ("MLM" or "multi-level" marketing) were the engine Tianshi needed to promote its product revelations throughout China and later, the world. Tianshi was founded on August 3rd, 1995, refered to as 8.3 , in Tianjin China by Mr. Jinyuan Li. Mr. Li's ideal is to explore and perfect thousands of years of Chinese herbal knowledge, blend it with modern technology and create quality inovative products to spread health and friendship through out the world. Hot Sale
Aculife magnetic wave therapist is a product resulting from the integration of 5000 - year traditional Chinese Acupuncture medical knowledge and circulate, preventive medical technology..... More Information please click Tiens Spirulina
Friday, May 26, 2006
Main Ingredients:Spirulina Powder, Karoten.Tiens Spirulina Capsule is selected from unpolluted, long exposure to sunlight type of Spirulina from Lake Chati area. It is better than those artificially grown in terms of purity.
Health Care Effect:
Tiens Spirulina is made of dried Spirulina. The result of scientific research has confirmed that Spirulina contains easy-to-digest vegetable protein, various vitamins and essential fatty acid (GLA) that is rare to find in other foods. Every 100 grams of Tiens Spirulina contains over 60 mg beta-carotene as well as a significant amount of Vitamin E that work within the body as powerful antioxidants. Additionally, the high concentration of the B group vitamins found in Spirulina is believed to help maintain healthy nerves, skin, hair, eyes and liver.
• Prevents and inhibits cancerous oral lesions
• Stimulates immune defenses and inhibits replication of certain viruses
• Prevents heart disease (lowers cholesterol)
• Provides antioxidants and other nutrients
• Increases energy and mood
• Improves weight loss
Source: http://tiensplan.blogspot.com/2009/05/swine-flu.html
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