tag:blogger.com,1999:blog-20302474629787422602024-03-19T04:18:51.450+08:00Piso and Beyond!A blog about life and personal finance.Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.comBlogger143125tag:blogger.com,1999:blog-2030247462978742260.post-70447193931902511782019-10-16T15:07:00.000+08:002019-10-16T15:07:00.849+08:005 Money-Saving Tips for the Young Professional<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpx0SE6nyonF7WqkcE0l9XhhihggdK62Zv5m4PmeUaeH-fZSEKpD5l7H3fBvVOgz4SqwBjGMCfp4Tz-6GgDgru7ysh3GtyviwcV_IE8ToFSPUmAB6rCBrDijKGwUNmxWie7uQ_rzAqFWCM/s1600/rsz_startup-849804_1280.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpx0SE6nyonF7WqkcE0l9XhhihggdK62Zv5m4PmeUaeH-fZSEKpD5l7H3fBvVOgz4SqwBjGMCfp4Tz-6GgDgru7ysh3GtyviwcV_IE8ToFSPUmAB6rCBrDijKGwUNmxWie7uQ_rzAqFWCM/s200/rsz_startup-849804_1280.jpg" width="200" /></a></div>
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Being a young professional and settling into work life can be exciting, but it can come with a lot of temptations as well. </div>
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The pleasure of receiving your salary may be overrun by the terror of falling into debt if you don't try to curb your spending habits early on. For young workers looking to save a bit more, here are five helpful money-saving tips. </div>
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<a name='more'></a><b><span style="color: navy;">Cut Down on Unnecessary Expenses</span></b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9wXIZPq7i8aCvof8Yb8XX8sr2Yi56joa8d-1wNX28BrhUrUYdWyn6LBGmAU5MyIYhen4rzbDPKWoarH2SMo1gY6ePqzZuQrPmd_HnORlGfQ7NYuOK4a-EDT82VrCfyfOaY2ggN0Oc6n1W/s1600/woman-3040029_640.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9wXIZPq7i8aCvof8Yb8XX8sr2Yi56joa8d-1wNX28BrhUrUYdWyn6LBGmAU5MyIYhen4rzbDPKWoarH2SMo1gY6ePqzZuQrPmd_HnORlGfQ7NYuOK4a-EDT82VrCfyfOaY2ggN0Oc6n1W/s320/woman-3040029_640.jpg" width="320" /></a></div>
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For many millennials today, the psychology behind spending on nonessentials is fairly simple. <a href="https://businessmirror.com.ph/2015/06/29/filipino-millennials-bare-reasons-ways-of-spending/" target="_blank">Business Mirror reports that many millennials spend beyond necessity</a> because of three reasons: to release stress, to indulge, and to reward themselves. However, just because you're young doesn't always mean you can earn back what you spend, and it's important to nip bad spending habits in the bud. Start by cutting down on unnecessary expenses, and train yourself to only spend on what you need instead of on what you want.</div>
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<b><span style="color: navy;">Keep Track of Your Expenses</span></b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBgd5AiGo0DtDQOHfqCtmJmTtoKdZXLdavyq4997H9nNySPW87xMB0JnRr4I1gaOdnZO1-pZQDkXJVh6HTjbWciTnQSuAXJWeNYDQU1jbhNx6MwgzNHFOopB0OvgjFSGT9g1AbMeU7nWTl/s1600/credit-squeeze-522549_640.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBgd5AiGo0DtDQOHfqCtmJmTtoKdZXLdavyq4997H9nNySPW87xMB0JnRr4I1gaOdnZO1-pZQDkXJVh6HTjbWciTnQSuAXJWeNYDQU1jbhNx6MwgzNHFOopB0OvgjFSGT9g1AbMeU7nWTl/s320/credit-squeeze-522549_640.jpg" width="320" /></a></div>
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It happens to everyone: after a couple of weeks, you start losing track of where your salary has gone. In order to really have an idea of how much it is that you're spending, it's important to take note of each and every expense. Thanks to the digital age, doing so is easier than ever with budgeting and expenses apps. <a href="https://news.abs-cbn.com/business/01/13/14/want-manage-your-finances-better-here-are-some-apps" target="_blank">ABS-CBN has a list of budgeting apps</a> that can help you and your finances get back on track.</div>
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<span style="color: navy;"><b>Make Investments</b></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNUAjYFsG5alBAStP5rUwlUoohpVXgXtY_6EXSUYBoLZ8Napb3uuQ3AtUKk7aGKc4nUs0fSSf2GJg4e4hXqWos5mzQ8X6iF55_UofVAnDljp0cFquL64fYqqZqKo_he1AEwDMZ2bAv96vk/s1600/house-1353389_640.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNUAjYFsG5alBAStP5rUwlUoohpVXgXtY_6EXSUYBoLZ8Napb3uuQ3AtUKk7aGKc4nUs0fSSf2GJg4e4hXqWos5mzQ8X6iF55_UofVAnDljp0cFquL64fYqqZqKo_he1AEwDMZ2bAv96vk/s320/house-1353389_640.jpg" width="320" /></a></div>
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It may seem counterproductive, but sometimes you have to spend a little to save a lot. Making investments in mutual funds, bonds, and the stock market may seem intimidating to a beginner, but it's actually easier than it looks. Plus, you get the added bonus of earning more on your investment than you would have if your money were just sitting in a bank. Investing can also help protect your hard-earned savings from the negative effects of inflation or a weakening economy. For more tips, <a href="http://www.pisoandbeyond.com/2018/02/investing-and-money-myths-you-need-to-know.html" target="_blank">check out our post on 'Investing & Money Myths You Need to Know'</a>.</div>
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<b><span style="color: navy;">Save Up</span></b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLKkRE_FictfqCvQBZ6lTRnx7RzqhBS1bOWsfMEJHf5sK1z5ThSEg2OWJ0qJ67yIgCpFEtvI6csAbXdjVa21EiYkTVx1UdZVG9iMIaZoVmA79NNL9kFiQT7zqfXrZ-m_7YVEt6_-YrMKm0/s1600/money-2696219_640.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLKkRE_FictfqCvQBZ6lTRnx7RzqhBS1bOWsfMEJHf5sK1z5ThSEg2OWJ0qJ67yIgCpFEtvI6csAbXdjVa21EiYkTVx1UdZVG9iMIaZoVmA79NNL9kFiQT7zqfXrZ-m_7YVEt6_-YrMKm0/s320/money-2696219_640.jpg" width="320" /></a></div>
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<a href="https://news.abs-cbn.com/business/08/31/17/save-less-shop-more-study-shows-how-filipinos-spend-spare-cash" target="_blank">According to the results of a Nielsen consumer habits study</a>, 58% of Filipinos usually set aside money as soon as living expenses are paid for. Make sure to count yourself among their number and save what you can, while you can. Saving isn't just about making sure you have enough money for short-term rewards. It's more important to save for the far-off future, such as emergency medical expenses or retirement, so you aren't caught off-guard when an emergency rolls around.</div>
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<b><span style="color: navy;">Get Insured</span></b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAB0nupYeK1GLAGAKYuz0orLgOSW087ewNeJDNVlSlZt10T3V2fTjPswHX5mJ1qpDybivPACAoHa-CGhYbAnzdaKkmLPhmDQp684bPjyM577gWbUB6hyphenhypheneR1a8WtY_eJs8Hfmbl7SpMhJGt/s1600/capsule-1079838_640.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAB0nupYeK1GLAGAKYuz0orLgOSW087ewNeJDNVlSlZt10T3V2fTjPswHX5mJ1qpDybivPACAoHa-CGhYbAnzdaKkmLPhmDQp684bPjyM577gWbUB6hyphenhypheneR1a8WtY_eJs8Hfmbl7SpMhJGt/s320/capsule-1079838_640.jpg" width="320" /></a></div>
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Finally, one thing you can do to save money as a young professional is to get health insurance. Health insurance may seem like an unnecessary expense when you're young, but the sooner you start investing in it the more you save in the long run. Rather than wasting your savings on out-of-pocket health expenses, with health insurance you can ensure that you're adequately protected without having to worry about finances. If you're not sure where to start, <a href="https://www.paramountdirect.com/health-insurance/best-hospital-income-benefit-guide-philippines" target="_blank">Paramount Direct has a guide page to help young professionals choose the best health insurance plan for them</a>. It answers common questions about the costs of health insurance, as well as the things you should look for when choosing a plan.</div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com82tag:blogger.com,1999:blog-2030247462978742260.post-23848628923461420232019-03-02T10:30:00.002+08:002019-03-02T10:31:12.054+08:004 Ways to Save Extra Money for Retirement<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIX6oqwp3nO_V9Va7IEXZlcyy95Ub5RwoFZgIQ6zWZqQAwDgWCC9jfst_K04zoRROOx26cYuguk9JSwe7yfcKz_k0EuezHqi1wGlU6_fNcOuYl9FrHnqgQ2W0GY83Kh_kDKTIFhiUcq-Qq/s1600/hands-walking-stick-elderly-old-person.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIX6oqwp3nO_V9Va7IEXZlcyy95Ub5RwoFZgIQ6zWZqQAwDgWCC9jfst_K04zoRROOx26cYuguk9JSwe7yfcKz_k0EuezHqi1wGlU6_fNcOuYl9FrHnqgQ2W0GY83Kh_kDKTIFhiUcq-Qq/s320/hands-walking-stick-elderly-old-person.jpg" width="200" /></a></div>
<span style="font-family: inherit;">Everyone dreams of and talks about the things they'll do and the places they'll see when they reach that golden age of retirement. </span><br />
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</span> <span style="font-family: inherit;">There are plenty of things to keep you busy, from traveling to spending time with the grandkids and from fishing to just curling up in a hammock on the front porch and enjoying a good book by your favorite author. </span><br />
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<span style="font-family: inherit;">However, it's a little hard to live that dream if you don't have money saved for that golden age of retirement. </span><br />
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</span> <span style="font-family: inherit;">Of course, you've got your pension, you've invested and you have a special savings account set aside for that time, but what if you want to stash away just a little extra every month? With that in mind, read on below for a few ways that you can save a bit more towards your retirement. </span></div>
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<span style="font-family: inherit;">Many people don't think about saving on monthly expenses as a way to put a little extra aside for retirement. However, you would be surprised and how much just a small amount can turn into over time. For example, if you are paying way to much for insurance, try searching for a lower price. You can </span><a href="https://www.acceptanceinsurance.com/our-products/auto-insurance/" style="font-family: inherit;" target="_blank">buy car insurance online</a><span style="font-family: inherit;"> and save quite a bit. Take the money you save from changing insurance companies and put it into your retirement savings every month instead. </span></div>
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<span style="font-family: inherit;">It stands to reason that if you make more money, you'll be able to save more towards retirement. There are many side hustles you can start online to make money and never have to leave the comfort of your home. From </span><a href="http://www.fromcentstoretirement.com/?s=how+to+start+a+blog+" style="font-family: inherit;" target="_blank">starting your own blog</a><span style="font-family: inherit;"> to becoming a published author and from becoming a freelance writer to offering your services as a personal assistant, there is plenty out there to do to make extra money. Take every bit of the income you make from this and earmark it for your retirement fund. You will be surprised at how quickly it will start to grow. </span></div>
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<span style="font-family: inherit;"><b><span style="color: navy;">Trim One Expense from Your Budget</span></b> </span></div>
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<span style="font-family: inherit;">It is a no-brainer that cutting extra expenses from your budget is a way to put that extra money in your retirement fund. One idea is to try trimming one extra expense from your budget. For example, if you have channels on your cable lineup that you never watch, trim that expense. If you eat out three times a week, cook at home one of those days. Take the money that you save and put it into your retirement fund instead. It will add up before you know it. </span></div>
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<span style="color: navy; font-family: inherit;"><b>Put Your Raise in Savings </b></span></div>
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<span style="font-family: inherit;">If you have recently been given a raise at work, earmark the money from that raise for your savings towards your retirement. It might only be an extra $10 or $20 a week, but it will be well worth it in the long run. </span></div>
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<span style="font-family: inherit;">These are just a few of the top ways that you can start saving towards your golden years. Even if you are doing everything right, a little extra can't hurt. </span></div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com27tag:blogger.com,1999:blog-2030247462978742260.post-31312988168892221902018-11-15T11:46:00.001+08:002019-10-16T15:05:26.208+08:005 Money Lessons I Learned from My Mother<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaAlFsVeTpos0bv8j2VbhZno8lynIiwn5-PU80l7utCRMUXgh3qPGaXx7aGcq76O9i2r-6iTTEwLIOhWPPbanolbkxGhK1kf9pLpsUwaSf3Wy_liXp9d_ed1wS-rDcVuRFwNg7HiyrGBAR/s1600/5-money-lessons.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="630" data-original-width="1200" height="168" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaAlFsVeTpos0bv8j2VbhZno8lynIiwn5-PU80l7utCRMUXgh3qPGaXx7aGcq76O9i2r-6iTTEwLIOhWPPbanolbkxGhK1kf9pLpsUwaSf3Wy_liXp9d_ed1wS-rDcVuRFwNg7HiyrGBAR/s320/5-money-lessons.jpg" width="320" /></a></div>
<span style="font-family: inherit;">I grew up in a household run by my mother. Both my parents worked, but my mother held the reigns to the </span><a href="https://www.cebuanalhuillier.com/steps-manage-household-budget/" style="font-family: inherit;" target="_blank">household budget</a><span style="font-family: inherit;">. </span><br />
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</span> <span style="font-family: inherit;">At first, due to the rampant and sexist media of that time, I found it strange. </span><br />
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<span style="font-family: inherit;">Wasn’t the father supposed to be the head of the family, the decision maker? </span><span style="font-family: inherit;">But, as I grew older, I realized that this arrangement was for the best. My father, while kind and loving, had no limits. </span></div>
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<span style="font-family: inherit;">Anything I wanted he would buy for me. </span></div>
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<span style="font-family: inherit;">While it seemed great at that time, looking back, it turned me into an entitled spoiled brat. It wasn’t until I grew up a bit that I finally saw that giving my mother control over our family’s money was possibly the best gift my father could have given me.</span></div>
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<span style="color: navy; font-family: inherit;"><b>1. Be frugal, not cheap</b></span></div>
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<span style="font-family: inherit;">My mother is frugal. I used to call her cheap, but that was wrong of me. </span><span style="font-family: inherit;">As a child, I was sometimes resentful of her choices regarding money matters. Why did our house have a <a href="http://www.pisoandbeyond.com/2016/12/6-practices-you-should-learn-to.html" target="_blank">limit on airconditioner hours</a>? Why wouldn’t she buy me that new Barbie doll that just came out? Why won’t she buy me more hours for the dial-up internet (anyone remember that)?</span></div>
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<span style="font-family: inherit;">It wasn’t until I hit mid-elementary school that I realized that I already had it better than most of my peers. Our family was not rich, at most we could be considered middle-class, but I went to an exclusive school and had after-school tutoring sessions. At that time, I hated those sessions. But looking back, I probably would’ve been held back a year had it not been for them.</span></div>
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<span style="font-family: inherit;">My mother knew what kind of student I was and she did her best to use our funds to help me overcome my weaknesses. Instead of spending them on a doll I probably would’ve forgotten about, she made sure that I could keep up with my studies and not lose a year of my life.</span></div>
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<span style="font-family: inherit;">Saving is good, but using money for the right reasons is even better.</span></div>
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<span style="color: navy; font-family: inherit;"><b>2. Earn instead of beg</b></span></div>
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<span style="font-family: inherit;">Another resentment I carried and learned to let go of was my allowance. Unlike my peers, who were given an amount of money per day (remember, rich people school!), my mom gave me only half of theirs and made me work for the rest. For every perfect quiz I brought home, she would reward me with a fiver to pad my allowance.</span></div>
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<span style="font-family: inherit;">Back then, I thought that it was unfair. I wasn’t very smart so it wasn’t often I could bring home a perfect score. This forced me to study harder and consequently pull my grades up.</span></div>
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<span style="font-family: inherit;">When I reached high school, I realized that my mother had trained me to never believe the money is free. If you want money, you better be prepared to work for it. A lesson that describes the life of an adult quite aptly I think.</span></div>
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<span style="color: navy; font-family: inherit;"><b>3. Be prepared</b></span></div>
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<span style="font-family: inherit;">When I was a child, I would often hear my parents talk about this strange thing called ‘insurance.’ I had no idea what it was.</span></div>
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<span style="font-family: inherit;">Fast forward a few years later and a close relative got really, really sick. Thankfully it was curable. This relative of mine was brought to a private room in a private hospital. At that time, little me was super worried about our money. I already knew we were well off but weren’t really rich like my classmates. That particular hospital was very good but also very expensive. The inside looked like a hotel lobby! But it was the closest hospital near out house and we didn’t really have much of a choice.</span></div>
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<span style="font-family: inherit;">My relative stayed there for a few days and recovered. When it was time to check out, I was a little afraid to look at the total bill of his stay. Imagine my surprise when I saw how low it was. It turns out that he was a beneficiary of my mom’s health insurance and that nearly his entire stay in the hospital was covered under her plan. </span></div>
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<span style="font-family: inherit;">So insurance, get! It definitely pays to be prepared.</span></div>
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<span style="color: navy; font-family: inherit;"><b>4. Take some time to think before you leap</b></span></div>
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<span style="font-family: inherit;">I was already a mini adult by the time I learned this lesson. I was out with my mother shopping for…I don’t really remember. But I do recall seeing a pair of boots I really, really wanted and <a href="http://www.pisoandbeyond.com/2016/01/things-young-adults-are-spending-too.html" target="_blank">I decided to get it</a>. </span></div>
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<span style="font-family: inherit;">My mom stopped me. She gave no explanations and just dragged me out of the store. </span><span style="font-family: inherit;">That night, as I laid on my bed, I kept on thinking about those boots. How pretty they are, how soft they looked, how nicely they would pair with that one top. Then I began thinking about when I could wear them…and stopped.</span></div>
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<span style="font-family: inherit;">I realized that I probably would never get the chance to wear those boots. I hate being uncomfortable and tend to default to wearing my sneakers every time I go out. Will I seriously change an aspect of my personality just to wear those boots? No way!</span></div>
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<span style="font-family: inherit;">So yeah, my mom saved me from wasting a few thousand bucks on a gorgeous but ultimately useless pair of boots. Thanks, ma!</span></div>
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<span style="color: navy; font-family: inherit;"><b>5. Use your money to help others</b></span></div>
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<span style="font-family: inherit;">Sounds a little counter-productive but it’s the one lesson my mother made sure I took to heart. Instead of letting your wealth collect dust in the bank, you can use it to help people in need. <a href="https://www.urbandictionary.com/define.php?term=pay%20it%20forward" target="_blank">Pay it forward</a>, as they say. The good karma you gain will be priceless.</span></div>
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<span style="font-family: inherit;">I owe a lot to my mom and I don’t think I can ever express how much exactly. Those money lessons above aren’t just for the purpose of saving money, they also teach me valuable life lessons that I’ll carry with me throughout my life. </span></div>
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<span style="font-family: inherit;">What about you guys? Any specific things your parents have taught you that has stayed with you until now?</span></div>
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<span style="font-family: inherit;">Which money lessons will you teach to your children? Receive cool updates like this when you <a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank">subscribe to PisoandBeyond!</a></span></div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com13tag:blogger.com,1999:blog-2030247462978742260.post-25543792488552778292018-09-24T12:39:00.000+08:002018-09-27T11:13:14.990+08:00A Detailed Look into Psychology in Forex Trading<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiw4bxBV5lMD7iWZJfwrdbUEzbi8U3ziaoDti22kgRlhni02t-XZtjXTJDkbBPgl8e9e3q6vCxarSUK1pRo1PFxJ08fZBUMJNuATI62KJCii5omdClXZNE4piwS7T8nKmq1oNYzYZ8J8c_G/s1600/forex-trading.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="A Detailed Look into Psychology in Forex Trading" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiw4bxBV5lMD7iWZJfwrdbUEzbi8U3ziaoDti22kgRlhni02t-XZtjXTJDkbBPgl8e9e3q6vCxarSUK1pRo1PFxJ08fZBUMJNuATI62KJCii5omdClXZNE4piwS7T8nKmq1oNYzYZ8J8c_G/s320/forex-trading.jpg" title="" width="200" /></a>A recent study by the European Securities Markets Authority (ESMA) said that more than 80% of new traders fail. This is a worrying statistic given the huge potential that trading in the financial market has.</div>
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There are several reasons why new traders fail. They include: the lack of knowledge about forex, bad luck, lack of a good strategy, and the psychological reasons.<br />
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The latter reason is often ignored by many traders. <br />
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They spend much of their time reading the technical and fundamental skills but ignore the soft-skills that are important in <a href="https://www.easymarkets.com/au/en-au/" target="_blank">forex trading</a>. In this article, I will explain a few things about trading psychology and why it should matter to you.</div>
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In all careers, the psychological well-being of the professional is very important. A teacher who is disturbed emotionally will not be effective in class while a mentally disturbed airline pilot will be prone to causing accidents. A stressed doctor will not provide the necessary treatment to his patient. </div>
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Similarly, a trader who is not doing well mentally will not perform well. For example, if you are going through a difficult breakup, chances are that you will be spending a lot of time thinking about it. This will make it difficult for you to conduct adequate analysis that is important for your trading. The same is true if you have huge outstanding debts or if you have just lost a loved one. Therefore, before you start trading, you should always ensure that you are doing well emotionally. </div>
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Another way to look at psychology in trading is how you deal with losses. The financial market always moves up and down and traders always lose money. This includes the best traders in the world. The challenge is how you deal with your losing trades. </div>
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For example, if you lose 15% of your account, how would you react? Since these types of losses do happen, you should be at a good position to move on without exposing yourself to risks.</div>
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A common mistake people do is to open an opposite trade after making a big loss. For example, if the EUR/USD pair is trading at 1.1200, you can placed a long trade expecting it to move to 1.1250. If the trade goes down and reaches a low of 1.1160, you can be tempted to end it and open an opposite trade. Since you will open such a trade without doing any analysis, chances are that you will end up losing money. </div>
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There are a few ways of preventing this scenario. First, you should always use a low leverage ratio. This will help you reduce the amounts of losses you are exposed to. Second, you should calculate your risk tolerance ratio. After this, you should place a <a href="https://www.easymarkets.com/au/en-au/learn-centre/discover-trading/what-is-stop-loss/" target="_blank">stop loss</a> at the risk tolerance level. For example, if you have a $10,000 account and your tolerance ratio is a third, you should place the stop loss at the $300. This means that you will be comfortable to lose $300 per trade. Third, you should ensure that trading does not dominate your life. By this I mean that you should always have your free time to reflect, read, watch, play, and hang out with your family. Being active will help you improve your trading and ease your pressure when trading.</div>
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<span style="font-family: inherit;">Are you planning to start forex trading? Receive cool updates like this when you <a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank">subscribe to PisoandBeyond!</a></span></div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com162tag:blogger.com,1999:blog-2030247462978742260.post-89816378928543844412018-06-11T16:03:00.000+08:002018-06-18T16:35:37.997+08:0010 Small Businesses Under P100k<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkgBgA0g19w4kXG-JLxjcE-Hmn3YNlIv0Pi4_CbmCZ8cwXUQr0t7uGYlY9O99pNFUC4RC6WKL9vAoMJSP6X70D5wFjiS23a82SO8YF-LqbIOrllzrQxJZqyCbiAjfgNncHm0YD2K2JcGZN/s1600/100k.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="10 Small Businesses Under P100k" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkgBgA0g19w4kXG-JLxjcE-Hmn3YNlIv0Pi4_CbmCZ8cwXUQr0t7uGYlY9O99pNFUC4RC6WKL9vAoMJSP6X70D5wFjiS23a82SO8YF-LqbIOrllzrQxJZqyCbiAjfgNncHm0YD2K2JcGZN/s320/100k.jpg" title="" width="200" /></a></div>
At some point in our busy lives, we dream about <a href="https://grit.ph/start-business-philippines/" target="_blank">having our own business.</a> A cup of coffee while staring at your customers line-up at the counter? I'll take it.<br />
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Back in college, I frequented this nondescript stall in Recto where they sold T-shirts with prints of underground bands and skateboard culture inspired-merch. It was awesome. <br />
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And while the store is literally hidden from plain view, for some reason there’s always a bunch of people (usually other students) hanging out and looking to score some goods. </div>
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Since the shirts were cheap, I wondered where they were sourcing it and how much they’re getting from each sale. It got my brain into entrepreneur-mode at times, estimating the cost of silk-screening the shirt, potential markup, how much they’re paying for their space, and all sorts of business stuff. It was probably a longshot, but I thought speculating about it was fun!</div>
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And if you’re the kind of person who’s dead-serious about setting up shop, this <a href="https://grit.ph/business-ideas/" target="_blank">huge list of 100+ small business ideas</a> will help you get those brain gears going. </div>
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But let us get you started with our top 10:</div>
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<strong><span style="color: navy;">1. Wi-Fi Hotspot Services </span></strong><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYvvs3SyoXw0sGrIg3JuqFGWPUXK2EAdlm4V-LXdevSlp0b8gofbNROk4aAs1BCNhltpvE0tYgduSvn6uBxWw92I761PfXbYeP44nddQqyDFnNLL_S-8UoHBg7evykz7q_JZKuu2-SwskW/s1600/1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Wi-Fi Hotspot Services " border="0" data-original-height="800" data-original-width="799" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYvvs3SyoXw0sGrIg3JuqFGWPUXK2EAdlm4V-LXdevSlp0b8gofbNROk4aAs1BCNhltpvE0tYgduSvn6uBxWw92I761PfXbYeP44nddQqyDFnNLL_S-8UoHBg7evykz7q_JZKuu2-SwskW/s320/1.jpg" title="" width="319" /></a></div>
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2. Vending Machines </span></strong><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQmsx_bEq7q39QfQRsdJcDukGHDh1sdJwGNOQepbulKHlrJ7q_wDBB-pL601ebaKnSagPogUxKV9MvaaLfZBGQdSdmEBjCPmSuygzD5__P7HoDsUPGk7SOGfZw7hVZZZtqKtNZ56n2PN3z/s1600/2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Vending Machines " border="0" data-original-height="800" data-original-width="800" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQmsx_bEq7q39QfQRsdJcDukGHDh1sdJwGNOQepbulKHlrJ7q_wDBB-pL601ebaKnSagPogUxKV9MvaaLfZBGQdSdmEBjCPmSuygzD5__P7HoDsUPGk7SOGfZw7hVZZZtqKtNZ56n2PN3z/s320/2.jpg" title="" width="320" /></a></div>
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3. Street Foods </span></strong><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXhaToALPiStub_8nrnRv1KI0uMpdUXaHkATd8Ia8htDKWQd46SUpUB-RU9HlFxP-H_fu4WoH05rsIRbu2th3RLtI4Ye8JIRZKYxYssXZ1fWtCN9oBgaPO2RgcB8yvfJ-QqaFLj7VADt7j/s1600/3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Street Foods " border="0" data-original-height="800" data-original-width="790" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXhaToALPiStub_8nrnRv1KI0uMpdUXaHkATd8Ia8htDKWQd46SUpUB-RU9HlFxP-H_fu4WoH05rsIRbu2th3RLtI4Ye8JIRZKYxYssXZ1fWtCN9oBgaPO2RgcB8yvfJ-QqaFLj7VADt7j/s320/3.jpg" title="" width="316" /></a></div>
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<strong><span style="color: navy;"> 4. Freelance Business </span></strong><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH_vXwycVShAi4KfHb7QScdgNRYcbbXzR9b-Yx8U2_cPEdsiEw17huNNrJEq4ryuzX5O8qtWSc-jN1dlpq1WF7DvzkEjnsg9dULVBVOs4QjSIp_sBD0zssX8I874RsHZnl1adxlMjKYh4U/s1600/4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Freelance Business " border="0" data-original-height="800" data-original-width="800" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH_vXwycVShAi4KfHb7QScdgNRYcbbXzR9b-Yx8U2_cPEdsiEw17huNNrJEq4ryuzX5O8qtWSc-jN1dlpq1WF7DvzkEjnsg9dULVBVOs4QjSIp_sBD0zssX8I874RsHZnl1adxlMjKYh4U/s320/4.jpg" title="" width="320" /></a></div>
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5. Smart Home Automation & Home Security Systems Installation Services </span></strong><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9Ht90LYXP900McFWmn_4Sv_oRwr8waQsY1ekvGB82ErPeT3QI4koJQyRVsyOCMzV270G53ntiEORNbwrGxIq9NOBrijAMEV-1a_ER96oO8cPxtF555giGOAaYEtbOsHvZJizi_wx08SaK/s1600/5.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Smart Home Automation & Home Security Systems Installation Services" border="0" data-original-height="800" data-original-width="800" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9Ht90LYXP900McFWmn_4Sv_oRwr8waQsY1ekvGB82ErPeT3QI4koJQyRVsyOCMzV270G53ntiEORNbwrGxIq9NOBrijAMEV-1a_ER96oO8cPxtF555giGOAaYEtbOsHvZJizi_wx08SaK/s320/5.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;"> 6. 3D Printing Services </span></strong><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWNdOgZkJMuxtUE6FHwRU2dtUZqIkWXEbz4rhORLfjqNbUDYHseTHEbcDMZUX4U6FP8He_ib7mCkapLh_mCodLuZ7U-EHtdkFsKCtFqVWn8pFpZnyLQYYoWjCk830gAzUq0GbCfIOKKcPd/s1600/6.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="3D Printing Services" border="0" data-original-height="800" data-original-width="800" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWNdOgZkJMuxtUE6FHwRU2dtUZqIkWXEbz4rhORLfjqNbUDYHseTHEbcDMZUX4U6FP8He_ib7mCkapLh_mCodLuZ7U-EHtdkFsKCtFqVWn8pFpZnyLQYYoWjCk830gAzUq0GbCfIOKKcPd/s320/6.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;"> 7. Photography & Videography Business </span></strong><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-uaCkp5sripjsK46J-zSEwamkX2wOpycxb40oQrmpOonnRUfWYREY3FXkqpjqhBLYrIOXuedw9byJfqEdRwl-FrgSgEVS8DozalLnEHsYt7wYPfHYAdPmB_aJBGxiubNYUp2zA78tilzP/s1600/7.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Photography & Videography Business " border="0" data-original-height="800" data-original-width="800" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-uaCkp5sripjsK46J-zSEwamkX2wOpycxb40oQrmpOonnRUfWYREY3FXkqpjqhBLYrIOXuedw9byJfqEdRwl-FrgSgEVS8DozalLnEHsYt7wYPfHYAdPmB_aJBGxiubNYUp2zA78tilzP/s320/7.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;"> 8. Junk Shop </span></strong><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidi38JlQjLM1WQWtbCstIIvkyTZ7ceA-3pE2EF-j62Rcvh0OPKNfncOVPKhX2yCWPs0GF1qR3sxbu2HfLAtT3UJzczQZ0X9GAyhcd4s-bByFJrpG9JMXAvgeM8S-sGhtayorvWla8jovof/s1600/8.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Junk Shop " border="0" data-original-height="800" data-original-width="800" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidi38JlQjLM1WQWtbCstIIvkyTZ7ceA-3pE2EF-j62Rcvh0OPKNfncOVPKhX2yCWPs0GF1qR3sxbu2HfLAtT3UJzczQZ0X9GAyhcd4s-bByFJrpG9JMXAvgeM8S-sGhtayorvWla8jovof/s320/8.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;"> 9. Farming </span></strong><br />
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<strong><span style="color: navy;"> 10. Entertainment Booths</span></strong> <br />
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<span style="color: #990000; font-family: inherit;"><i>Author Bio:</i></span><br />
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<span style="color: #990000; font-family: inherit;"><i>Jason Acidre is the Co-founder & Publisher of <a href="https://grit.ph/" target="_blank">Grit PH</a> and <a href="https://threebest.ph/" target="_blank">ThreeBest PH</a>. You can follow him on Twitter <a href="https://twitter.com/jasonacidre" target="_blank">@jasonacidre</a>.</i></span><br />
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com108tag:blogger.com,1999:blog-2030247462978742260.post-40498798215962368252018-05-11T10:29:00.000+08:002018-05-11T10:29:05.462+08:00How Much Is Your Worth?<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVq9twQ6O1ZgZ-GkWJ_2hyphenhyphenUgaEF8w4CwK2INxC-F1maAmYvTtsP7ShqPre5Phig_z27Uouhyphenhyphenf9f5xEOzscC3m4HBMi7avrTjxi5f75WOUlgxt1hnT_bmyCUjcumUx9gfp0aGd2iOfNwiTt/s1600/valued.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="How Much Is Your Worth" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVq9twQ6O1ZgZ-GkWJ_2hyphenhyphenUgaEF8w4CwK2INxC-F1maAmYvTtsP7ShqPre5Phig_z27Uouhyphenhyphenf9f5xEOzscC3m4HBMi7avrTjxi5f75WOUlgxt1hnT_bmyCUjcumUx9gfp0aGd2iOfNwiTt/s320/valued.jpg" title="" width="200" /></a></div>
I won't ask you, but I could tell, that for a number of times now you probably felt down, lost, discouraged or worst, worthless. But as you should also know by now; you get up, deal with it and (hopefully) learn from it.<br />
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But often, the fight with our own battles leaves us with the scars that tend to pull us and our confidence down. But should we really be asking, “Am I worth it?”<br />
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A famous lecturer started off a seminar by holding up a 1,000 Peso bill. A crowd of 200 had gathered to hear him speak. He asked, “Who would like this P1,000 bill?”</div>
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All hands went up.</div>
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“I am going to give this P1,000 to one of you but first, let me do this.”, said the man as he started to crumple the bill. After a few seconds, he asked the audience, “Who still wants it now?”</div>
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All hands were still raised.</div>
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“Well,” he replied, “What if I do this?” He then dropped the bill on the ground and stomped on it with his shoes.</div>
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He picked it up and showed it to the crowd. The bill was all crumpled and dirty.</div>
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“Now, who still wants it?”</div>
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Still, all the hands went up.</div>
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“My dear friends, I have just showed you a very important lesson today. No matter what I did to the money, you still wanted it because it did not decrease in value. It was still worth a thousand Pesos Many times, life crumples us and grinds us into the dirt. We make bad decisions or deal with poor circumstances. We feel down. We feel worthless. But no matter what has happened or what will happen, you will never lose your value. You are special! Don’t you ever forget that!”<br />
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Yes, “You are, and will always be worth it.”</div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com20tag:blogger.com,1999:blog-2030247462978742260.post-10772147211971673462018-03-28T10:08:00.001+08:002018-04-05T10:37:03.764+08:00The Three Trees<div style="text-align: justify;"> </div><div style="text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4D1D0YLdj0XAqP7d7fUGYbqwe7p39QmMTmiKFncIQINy73wQiimCjMLyhMaT7sFTZBU_gPL9YbAlx6pAeOJJuR_iFSrvDXl5REZF7egOPmvs7-4z4trAaoeza2F9wDe0pNZLu8wfmhQTY/s1600/head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="The Three Trees" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4D1D0YLdj0XAqP7d7fUGYbqwe7p39QmMTmiKFncIQINy73wQiimCjMLyhMaT7sFTZBU_gPL9YbAlx6pAeOJJuR_iFSrvDXl5REZF7egOPmvs7-4z4trAaoeza2F9wDe0pNZLu8wfmhQTY/s320/head.jpg" title="" width="200" /></a></div>Once upon a mountain top, three little trees stood and dreamed of what they wanted to become when they grew up.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The first little tree looked up at the stars and said: “I want to hold treasure. I want to be covered with gold and filled with precious stones. I'll be the most beautiful treasure chest in the world!”</div><div style="text-align: justify;"><a name='more'></a><br />
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The second little tree looked out at the small stream trickling by on it's way to the ocean. “I want to be traveling mighty waters and carrying powerful kings. I'll be the strongest ship in the world!”</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The third little tree looked down into the valley below where busy men and women worked in a busy town. “I don't want to leave the mountain top at all. I want to grow so tall that when people stop to look at me, they'll raise their eyes to heaven and think of God. I will be the tallest tree in the world.”</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Years passed. The rain came, the sun shone, and the little trees grew tall. One day three woodcutters climbed the mountain. The first woodcutter looked at the first tree and said, “This tree is beautiful. It's perfect for me!” With a swoop of his ax, the first tree fell. “Now I shall be made into a beautiful chest, I shall hold wonderful treasures!”, the first tree said.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The second woodcutter looked at the second tree and said, “This tree is strong. It's perfect for me!” With a swoop of his ax, the second tree fell. “Now I shall sail mighty waters!”, thought the second tree. “I shall be a strong ship for powerful kings!”</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The third tree felt her heart sink when the last woodcutter looked her way. She stood straight and tall and pointed bravely to heaven. But the woodcutter never even looked up. “Any kind of tree will do for me,” he muttered. With a swoop of his ax, the third tree fell.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The first tree rejoiced when the woodcutter brought her to a carpenter's shop. But the carpenter fashioned the tree into a feedbox for animals. The once beautiful tree was not covered with gold, nor with treasure. She was coated with saw dust and filled with hay for hungry farm animals.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The second tree smiled when the woodcutter took her to a shipyard, but no mighty sailing ship was made that day. Instead the once strong tree was hammered and sawed into a simple fishing boat. She was too small and too weak to sail to an ocean, or even a river. Instead she was taken to a little lake.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The third tree was confused when the woodcutter cut her into strong beams and left her in a lumberyard. “What happened?”, the once tall tree wondered. “All I ever wanted was to stay on the mountain top and point to God!”<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGtyqG9UTQxTOMu2Ar8QMQfx44dvmVbfaVuY0fepq3aUd23BdCU5Xialg2GPXmdAqr5u3l6Xa0RNN6qngQ8ireX_3bR1JEE6Ulfa0-04TW0ZhaO9kfdfTuhcOIgje0TS3glFlFfHU31yaw/s1600/cut.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Cutdown trees becomes lumber" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGtyqG9UTQxTOMu2Ar8QMQfx44dvmVbfaVuY0fepq3aUd23BdCU5Xialg2GPXmdAqr5u3l6Xa0RNN6qngQ8ireX_3bR1JEE6Ulfa0-04TW0ZhaO9kfdfTuhcOIgje0TS3glFlFfHU31yaw/s320/cut.jpg" title="" width="320" /></a></div> </div><div style="text-align: justify;">Many days and night passed. The three trees nearly <a href="http://www.pisoandbeyond.com/2017/03/what-happened-to-that-child.html" target="_blank">forgot their dreams.</a> But one night, golden starlight poured over the first tree as a young woman placed her newborn baby in the feedbox. “I wish I could make a cradle for him.”, her husband whispered.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The mother squeezed his hand and smiled as the starlight shone on the smooth and the sturdy wood. “This manger is beautiful.” she said. And suddenly the first tree knew he was holding the greatest treasure in the world.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPPgqDVH-NWMohQJXfNYJHw0VueD9xGoVKSs3y7ecdk_zbZnjFOCTRTGuT6pRctTrkkZpWwCf1AomP9UOO_RUMsTP5z4G3OBzZKEysgesiBOqJMdNc7Q5QBpJqsUVXJBy0xXdfCL2inSB4/s1600/christmas.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Three Trees - Jesus manger" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPPgqDVH-NWMohQJXfNYJHw0VueD9xGoVKSs3y7ecdk_zbZnjFOCTRTGuT6pRctTrkkZpWwCf1AomP9UOO_RUMsTP5z4G3OBzZKEysgesiBOqJMdNc7Q5QBpJqsUVXJBy0xXdfCL2inSB4/s320/christmas.jpg" title="" width="320" /></a></div><br />
One evening, a tired traveler and his friends crowded into the old fishing boat. The traveler fell asleep as the second tree quietly sailed out into the lake. Soon a thundering and thrashing storm arose. The little tree shuddered. She knew she did not have the strength to carry so many passengers safely through with the wind and the rain.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The tired man awakened. He stood up, stretched out his hand, and said, “Peace.” The storm stopped as quickly as it had begun. And suddenly the second tree knew she was carrying the king of heaven and earth.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFv_teVd4dLRMg7Ns31zLaPf-MUnpgKDxDYQ7O8X8QLYZvnGcRO-1UEdy4wFCwApk3PIncQq01zygCuJ4gmiU2e7ey4Px39Re5o5P8Wzy1NUn054luyd3dRi51igFIvDlhBZRmGDn9NWIf/s1600/peace.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Three Trees - Jesus boat peace" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFv_teVd4dLRMg7Ns31zLaPf-MUnpgKDxDYQ7O8X8QLYZvnGcRO-1UEdy4wFCwApk3PIncQq01zygCuJ4gmiU2e7ey4Px39Re5o5P8Wzy1NUn054luyd3dRi51igFIvDlhBZRmGDn9NWIf/s320/peace.jpg" title="" width="320" /></a></div> </div><div style="text-align: justify;">One Friday morning, the third tree was startled when her beams were yanked from the forgotten woodpile. She flinched as she was carried through an angry jeering crowd. She shuddered when soldiers nailed a man's hands to her. She felt ugly and harsh and cruel. But on Sunday morning, when the sun rose and the earth trembled with joy beneath her, the third tree knew that God's love had changed everything.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">It had made the third tree strong. And every time people thought of the third tree, they would think of God. That was better than being the tallest tree in the world.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQs05uMmbByRmFuqm4OA946_TrcHFSW0U4hyphenhyphen3EY_WRzreUYQnWhlhSyDD10H0MrmASrOAOib_Im7g7JwJCDClmWk_v95df2AwaybUAhNT4zp5wk19tWPp9S2B8Ifmz3TlSLWAM8yEyWf0e/s1600/lenten.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Three Trees - Jesus crucified" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQs05uMmbByRmFuqm4OA946_TrcHFSW0U4hyphenhyphen3EY_WRzreUYQnWhlhSyDD10H0MrmASrOAOib_Im7g7JwJCDClmWk_v95df2AwaybUAhNT4zp5wk19tWPp9S2B8Ifmz3TlSLWAM8yEyWf0e/s320/lenten.jpg" title="" width="320" /></a></div></div><div style="text-align: justify;"> </div><div style="text-align: justify;"><strong>God's delays are not God's denials.</strong><br />
The next time you <a href="http://www.pisoandbeyond.com/2018/03/a-lesson-from-butterfly.html" target="_blank">feel down</a> because you didn't get what you want, sit tight and be happy because God is thinking of something better to give you. <br />
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</tbody></table>Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com28tag:blogger.com,1999:blog-2030247462978742260.post-50897536672206877842018-03-13T16:12:00.001+08:002018-03-13T16:12:53.023+08:00A Lesson From a Butterfly<br />
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<span style="font-family: inherit;">A man found a cocoon of a butterfly in his garden. One day, he noticed a small opening appeared on the cocoon. He sat and curiously watched the butterfly for several hours as it struggled to force its body through that little hole. </span><br />
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<span style="font-family: inherit;">Until it suddenly stopped making any progress, and looked like it was stuck.</span><br />
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<span style="font-family: inherit;"><span style="font-family: inherit;">So the man naively decided to help the butterfly. He took a pair of scissors and snipped off the remaining bit of the cocoon.</span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;">The butterfly then emerged easily, although it had a swollen body and small, shriveled wings.</span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;">The man didn’t think anything of it and sat there waiting for the wings to enlarge to support the butterfly. But that didn’t happen. The butterfly spent the rest of its life unable to fly, crawling around with tiny wings and a swollen body.</span></span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;">Despite the kind heart of the man, he didn’t understand that the restricting cocoon and the struggle needed by the butterfly to get itself through the small opening were God’s way of forcing fluid from the body of the butterfly into its wings to prepare itself for flying once it was out of the cocoon.</span></span></span></span></div>
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<span style="color: navy; font-family: inherit;"><strong>Moral Lesson</strong></span><br />
<span style="font-family: inherit;">Our struggles in life develop our strengths. Without struggles, we would never grow and learn from our experiences and failures.</span><br />
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com10tag:blogger.com,1999:blog-2030247462978742260.post-46223006478056331402018-02-28T09:01:00.000+08:002018-03-01T09:06:25.835+08:00The Parable of the Pipeline<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvNfRymdPBnyKlvpsU0nlXdF0tWBC7YezJ2HZe89JXpFG87MaPXGXh5JyB4fhka8Ae3ORghcUTlC3I5elpAAQwT9JF-CD3Qr7svbq-i5cC7S1qjUEkf2KlXW3wy1UeFKG-WyvmWX8recHN/s1600/parable_pipeline.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="The Parable of the Pipeline" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvNfRymdPBnyKlvpsU0nlXdF0tWBC7YezJ2HZe89JXpFG87MaPXGXh5JyB4fhka8Ae3ORghcUTlC3I5elpAAQwT9JF-CD3Qr7svbq-i5cC7S1qjUEkf2KlXW3wy1UeFKG-WyvmWX8recHN/s320/parable_pipeline.jpg" title="" width="200" /></a></div>
Once there lived two men named Pablo and Bruno in a small village. They were good friends and big dreamers. They used to endlessly talk about how they would become the richest men in the village. <br />
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They were both smart and hard-working. But what they needed was an opportunity to prove themselves and become wealthy.</div>
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One day an opportunity knocked on their door. They were both appointed by the villagers to carry water in buckets from a nearby river to fill the water reserve at the Town Square. They shall be paid by the amount of every buckets that they will be able to deliver. Both were overjoyed and started to work immediately. After a month, Bruno was very happy with the opportunity, while Pablo was not very sure about the hard work and pain of carrying the heavy buckets. He didn’t really feel like going to work the next day and vowed to think of a better way of bringing water into the water reserve.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfkBwaSFraP16QRPA5UnZTlAJn0CxgIySccRhA_s2PsVppULtAhQCBA0VujTyVPP21gHiafFV9fv_ox6sinHxL97a-TRfV7uqHdvOzPJdZOy1t9vNVcJyYmfwH9rUnT_fPEe6_0EiMG0RK/s1600/pipe_old_post.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Parable of the Pipeline" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfkBwaSFraP16QRPA5UnZTlAJn0CxgIySccRhA_s2PsVppULtAhQCBA0VujTyVPP21gHiafFV9fv_ox6sinHxL97a-TRfV7uqHdvOzPJdZOy1t9vNVcJyYmfwH9rUnT_fPEe6_0EiMG0RK/s320/pipe_old_post.jpg" title="" width="320" /></a></div>
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The next day Pablo told his friend about his idea on how to bring water to the village more efficiently. He suggested that instead of carrying buckets back and forth to bring water from the river they can build a pipeline from the river to village. But Bruno was not very pleased with the idea as it sounded unfamiliar and there were no short term benefits from doing so. He rejected the idea as he was happy with whatever he was earning, anyway. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjD2d4_WA9UtvO6HJ8BWEth7HGzK6wP8o9hL9XaJZmMfv4_ZnMa7Twu_Y7Ejv7H0bNpRC8pp0qoaTudnNk8WYnhmBVp3qxaFLnH3tUHtQLV84NnKYkqVXE9kVSU9osr4iw84dUcof6d5LCy/s1600/no.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Parable of the Pipeline" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjD2d4_WA9UtvO6HJ8BWEth7HGzK6wP8o9hL9XaJZmMfv4_ZnMa7Twu_Y7Ejv7H0bNpRC8pp0qoaTudnNk8WYnhmBVp3qxaFLnH3tUHtQLV84NnKYkqVXE9kVSU9osr4iw84dUcof6d5LCy/s320/no.jpg" title="" width="320" /></a></div>
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But Pablo did not give up and worked on building the pipeline alone. He worked during the evenings and weekends while still doing his task of bringing water from the river to the town. This brought down his productivity and was not able to earn as much as Bruno did. Soon, Bruno earned quite a fortune and decided to hire more men that would help him carry more buckets. But Pablo did not give up on his pipeline. He believed that one day his dream of bringing water to the town automatically would come true.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXKGXHI0eIAyCdiLpNnWLkjnwzgi5AdwORyzeqODXtKOmSdPVZqQuRGjb3auh8OpQ1cov9Udzi7a1chUeRayM0GYOKbshokDSef9Rv-oDYp44CiLKsrYbJBvlYCd7bOGYsYuV9p6eTzJno/s1600/pablo_and_bruno.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Parable of the Pipeline" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXKGXHI0eIAyCdiLpNnWLkjnwzgi5AdwORyzeqODXtKOmSdPVZqQuRGjb3auh8OpQ1cov9Udzi7a1chUeRayM0GYOKbshokDSef9Rv-oDYp44CiLKsrYbJBvlYCd7bOGYsYuV9p6eTzJno/s320/pablo_and_bruno.jpg" title="" width="320" /></a></div>
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While Bruno spent his evenings and weekends at the bar or relaxing at home, Pablo had to work hard on his pipeline. Some people, including Bruno, would laugh at him and his pipeline. “You’re just wasting your time and energy on something useless! It will never work!” But Pablo kept on reminding himself that “Tomorrow’s dreams are built on today’s sacrifices. Short-term pain equals long-term gains”, he reminded himself repeatedly. Bruno would often tease him and ask, “Why are you working harder on your pipeline?”, yet Pablo would not say a single word and just smile.</div>
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Days turned into months and months turned into years. Pablo worked hard on his day job but worked harder on his pipe line. Then came his big day. People gathered around the Town Square to witness either a miracle or be part of a raucous crowd waiting for the ultimate fiasco. <br />
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With a deep breath, Pablo carefully pulled a lever and within seconds, the water started flowing out of the pipeline straight into the water reserve! The crowd roared in awe and praised Pablo for his creative idea! Indeed, the pipeline maker came to be known as Pablo, the miracle maker. He was lauded for his efforts all over the town as his friend Bruno silently sobbed, wishfully thinking of going back to the day when Pablo offered him his idea.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ1C9jHKYMjd7LaGZ4O5ov6l2LL0rh6A3FFviDp04FEXabjiFGyTWq-cgsArVal2unANLMt64gkcAXAfZJyETffEfZTxbLI6QCQ041ehUG73kTFDThTl84tOjMdiooinlNh8Jo2ukpvwcl/s1600/pipe_new_post.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Parable of the Pipeline" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ1C9jHKYMjd7LaGZ4O5ov6l2LL0rh6A3FFviDp04FEXabjiFGyTWq-cgsArVal2unANLMt64gkcAXAfZJyETffEfZTxbLI6QCQ041ehUG73kTFDThTl84tOjMdiooinlNh8Jo2ukpvwcl/s320/pipe_new_post.jpg" title="" width="320" /></a></div>
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Amidst the rejoicing crowd, Pablo walked towards Bruno, gently tapped him on the shoulder and said, “If I’m going to work hard anyway, I’d rather work hard on something that I actually own.”<br />
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How about you? <br />
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Are you running with buckets or are you building a pipeline?<br />
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com6tag:blogger.com,1999:blog-2030247462978742260.post-10398362099830552242018-02-21T12:23:00.000+08:002018-02-21T12:23:08.056+08:00How To Make Ipon Nga Ba?<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEina2BBaYbP7iWdSCKnvOhtzMZSk4Y7KXacPe-wTZwty3bbkKSKwd7eUG2k12uDHt63aEYzcOrJfA_HI_ysowQuO3xshvsb7a7DeX1mc9pyBJIZLDa4TytlphXzykdNIhnpCnSgJlE3hAjX/s1600/make_ipon.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="How To Make Ipon Nga Ba" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEina2BBaYbP7iWdSCKnvOhtzMZSk4Y7KXacPe-wTZwty3bbkKSKwd7eUG2k12uDHt63aEYzcOrJfA_HI_ysowQuO3xshvsb7a7DeX1mc9pyBJIZLDa4TytlphXzykdNIhnpCnSgJlE3hAjX/s320/make_ipon.jpg" title="" width="200" /></a></div>
Saving is one of the most important foundations of building wealth. Unfortunately, it is also one of the most common problems we encounter when we finally decided to establish our finances. <br />
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Some people believe that you need to have more money in order for your to start saving. But there is absolutely no truth behind this money myth.<br />
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A jobless person and a person who earns up to 6-digit income can both struggle when it comes to saving money. <br />
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<strong>Saving requires discipline</strong></div>
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The logic would always be that if you can't save when you're earning less, then you probably can't save as well even when your income has doubled. How many OFWs do you know have promised to save-up for their future only to go home with nothing after many years of hard work? How many bonuses and salary increase have come and go in your pocket? Expenses will always be there, so the real secret to “making ipon” finally work is to actually have discipline.</div>
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Below are five practical steps on how you can finally <em>make ipon of your money na:</em></div>
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<strong><span style="color: navy;">1. Monitor your expenses</span></strong><br />
The first step if you really want to start saving is to determine where your money goes. I'm sure you're familiar with the phrase, “Kasusuweldo pa lang, ubos na!” or <a href="http://www.pisoandbeyond.com/2014/06/kurot-principle.html" target="_blank">“Sa'n ba napunta ang pera ko?”.</a> A soda, candy, cigarette, lunch-out and all other small expenses, when added up, eats a significant portion of your budget. What you need to do is buy a small notebook, or download a mobile app that will help you list down all your daily expenses such as fares, food, toiletries, etc.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhmdZudgEd-DqE_xCMdsdj-HWli_uSFzu7yMQjiHV7VEsSk294TfDfcoIfTbLuFo30X3C4iGUaQ7xTn7swrgitAx8h75_Q7zwhx076PXNK__0dogxv0F2bCuDDfIzspwficJXQOGLshgxR/s1600/track_expenses.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Monitor your expenses" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhmdZudgEd-DqE_xCMdsdj-HWli_uSFzu7yMQjiHV7VEsSk294TfDfcoIfTbLuFo30X3C4iGUaQ7xTn7swrgitAx8h75_Q7zwhx076PXNK__0dogxv0F2bCuDDfIzspwficJXQOGLshgxR/s320/track_expenses.jpg" title="" width="320" /></a></div>
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After a month, you need to sort or categorize all your expenses. This will give you a clear picture on how you're spending your money. It will help you realize that small purchases could actually hurt your budget and that some items you bought were actually unnecessary. As one <em>hugot</em> best tells it, “Minsan 'pag ramdam mong namumulubi ka na, maiisip mo nalang 'yung mga bagay na walang ka-kwenta kwentang pinagbibili mo noong may pera ka pa.”</div>
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In addition, listing down your expenses sends a conscious signal to your brain about what you're spending for. It will somehow make you think twice before spending, compared to not being completely aware of it. After a week of doing this, you may start feeling guilty when writing down an unnecessary purchase, and that's a good sign.</div>
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<strong><span style="color: navy;">2. Asses your finances</span></strong><br />
The next step is to divide your expenses in two: needs and wants. “Needs” are required purchases or expenses such as fares, meals, <a href="http://www.pisoandbeyond.com/2017/11/5-things-you-need-to-know-about-utang.html" target="_blank">payment of debts</a> and rent. “Wants”, on the other hand, are unnecessary purchases such lunch-outs, movies, cigarettes, etc. Compute the total amount of all the purchases you made with your “Wants”. You will be surprised with this amount! You will then have the answer to one common question people have, “Eh paano naman makaka-ipon kung sakto lang ang sinasahod ko?” <u>It's not how much you earn, it's how you spend what you earn.</u></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizBhrAVWuutiEnFETSpPDqHccm24uAPa4dOQ9HgwV8nAE6-j6k_1e8-kRQO6ZmaZS1WCZOAItVB17WZRa7JBNKE6oi1LWfIsU81wFOfgbRT-thGsIJbRBDCo0R0QuGBw0qYE2bR1khyphenhyphenmQD/s1600/assess_finances.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Asses your finances" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizBhrAVWuutiEnFETSpPDqHccm24uAPa4dOQ9HgwV8nAE6-j6k_1e8-kRQO6ZmaZS1WCZOAItVB17WZRa7JBNKE6oi1LWfIsU81wFOfgbRT-thGsIJbRBDCo0R0QuGBw0qYE2bR1khyphenhyphenmQD/s320/assess_finances.jpg" title="" width="320" /></a></div>
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Of course, you will also need to list down all your income streams, including your salary (if you have a regular job), or your average monthly income (if you have a business or a freelancer). If you have both (job and business), then combine them to determine your average monthly net income. This should give you a preview of how much money is coming in and going out of your pocket.</div>
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<strong><span style="color: navy;">3. Make it compulsory</span></strong><br />
Forced savings is a basic formula that the rich apply: income-savings=expenses. Meaning, since you've already determined in step 2 the amount that you spent on unnecessary things, you need to find a way to save this amount right after receiving your income to help you avoid spending it on unneeded things. Therefore, the amount that will be left with you will be your budget for all your “Needs”. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnupsCH8t2jR7jhOyrhikGDxcm1Uh2ppN9trGn5DNeJP86xlUnqEveSpvWVWbQkEy1LpVpnAYLwBoPxY0sn58c8-FnGQz9_8K9XKJkAUobhtuRKRB5L4kE1z48vpZe6Ng7J6fpM6z8A2-F/s1600/forced_savings.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Make it compulsory" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnupsCH8t2jR7jhOyrhikGDxcm1Uh2ppN9trGn5DNeJP86xlUnqEveSpvWVWbQkEy1LpVpnAYLwBoPxY0sn58c8-FnGQz9_8K9XKJkAUobhtuRKRB5L4kE1z48vpZe6Ng7J6fpM6z8A2-F/s320/forced_savings.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;">4. Make it Automatic</span></strong></div>
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The concept of “forced saving” is to actually have the money saved or placed somewhere BEFORE you even touch it. It would be better if it's not easily accessible or convenient for you to withdraw the money, so you can't simply use it whenever you're tempted to. Therefore, avoid placing your savings in an ATM savings account as much as possible. Know all your possible options on how you can effectively and conveniently save.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQoH8Ob6Iv2V_QNhV5PufsGxkBfWMkoIJ-pzAzFr67YKGogVEocBYhUBidr61vbmrPdtdYoMPfgA-R3xp1mhibFxle9ekFx5o6VZlzCx2HSBryHKE81RhwOmYaJTEeqn4hjI0RLUmu7WF8/s1600/know_options.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Make it Automatic" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQoH8Ob6Iv2V_QNhV5PufsGxkBfWMkoIJ-pzAzFr67YKGogVEocBYhUBidr61vbmrPdtdYoMPfgA-R3xp1mhibFxle9ekFx5o6VZlzCx2HSBryHKE81RhwOmYaJTEeqn4hjI0RLUmu7WF8/s320/know_options.jpg" title="" width="320" /></a></div>
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The following are some of the options for doing “forced savings”:</div>
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<strong>Payroll Deduction </strong><br />
If your company has an existing cooperative for its employees, be sure to register and take advantage of it. Talk to your HR staff and ask if it's possible to have your shares or savings automatically deducted to your salary, just like tax and all those mandatory contributions. Some companies, especially those in the financial industry, offers other form of investments thru salary deductions with their employees. Learn about these features if your company have one.</div>
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<strong>Auto-Transfer</strong><br />
If you're receiving your salary through a bank payroll account, you may open a separate personal savings account with the same bank. Then ask the bank if it has a feature that would let you automatically transfer a certain amount from your payroll account to your savings account. </div>
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<strong>Regular Savings Account</strong><br />
If you do not have any savings account yet, it's time to open one. But again, I encourage you to opt for a Passbook account instead of an ATM account. But if you already have an ATM savings account, you still can use it - just make sure to leave the ATM card at your home.</div>
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<strong><span style="color: navy;">5. Have a specific goal</span></strong><br />
Your purpose or end goal will ultimately help you stay on track with your plans. It's a crucial thing that most people often forgot. Saving with vague plans, such as “save just so I have so-called savings”, usually fails. So it's important that you ask yourself, “What do I want to do with my savings nga ba?” or “What am I saving for?”. If you do not have a purpose, then a simple mall-wide sale or Lazada coupon is all it would take for you to break your <a href="http://www.pisoandbeyond.com/2014/02/why-pig-is-used-for-piggy-bank.html" target="_blank">piggy bank.</a> </div>
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Whatever it is that you want to achieve, be it for building an emergency fund, buying a new car, an Asian cruise, putting up a <a href="http://www.pisoandbeyond.com/2014/01/how-to-succeed-in-your-sari-sari-store.html" target="_blank">Sari-sari store business</a> or <a href="http://www.pisoandbeyond.com/2014/01/a-complete-idiots-guide-to-stock-market.html" target="_blank">investing in the stock market</a>, be sure to have a goal and stick to it!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg51WGr0nB5mrMEHV3QIrDR8ghIYJyVA6KJYbF3_WNFj0zWfvtIIPR7_dDGOvtXRvL2UEkL_4aNnbDmlQiuDvtrwiRO-GpI7uvSD8f-mP00TmJ9TnQXgDHb2gvAlh8o-KcdCV-4uY0MpWPe/s1600/have_goals.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Have a specific goal" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg51WGr0nB5mrMEHV3QIrDR8ghIYJyVA6KJYbF3_WNFj0zWfvtIIPR7_dDGOvtXRvL2UEkL_4aNnbDmlQiuDvtrwiRO-GpI7uvSD8f-mP00TmJ9TnQXgDHb2gvAlh8o-KcdCV-4uY0MpWPe/s320/have_goals.jpg" title="" width="320" /></a></div>
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<strong>Final Thoughts</strong></div>
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As what best works on almost everything, your consistency will be the key! Always remember that your goal is to save regularly. Start from small, but do it regularly. <u>Consistency is the difference between those people who have savings and those people who want to save.</u></div>
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Once you've managed to do step 4, you can find other means to increase your income and help speed-up your savings plan. Because the point here is not to just always live below your means but to increase your income so you can enjoy more of life.<br />
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<br />Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com7tag:blogger.com,1999:blog-2030247462978742260.post-66885065675977519362018-02-06T12:12:00.000+08:002018-02-06T12:15:04.574+08:00Investing & Money Myths You Need to Know<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjU9cICK2VPf3c2ahHcfeGKCx8He_NtuC12LQAt8IjMZts026QKCR7MsJakWe6F5UtjTebn_DJtTNM5Rgnj-wtBHxVX9i-xEkGLgm6Ys_tAKuZRcyVUaHNP-eslYjLxsn3avGYg2uOhASaY/s1600/head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Investing and Money Myths You Need to Know" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjU9cICK2VPf3c2ahHcfeGKCx8He_NtuC12LQAt8IjMZts026QKCR7MsJakWe6F5UtjTebn_DJtTNM5Rgnj-wtBHxVX9i-xEkGLgm6Ys_tAKuZRcyVUaHNP-eslYjLxsn3avGYg2uOhASaY/s320/head.jpg" title="" width="200" /></a><span style="font-family: inherit;">Today's generation is <span style="font-family: inherit;">born and raised in a technological world, where the digital environment becomes the #1 attraction for almost everything. </span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"></span></span><br /></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;">Information? We can find it on the internet. Communication? We can instantly do it through various social media platforms and video chats. Investing? Making money? The web is taking care of that as well!</span></span></span></div>
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<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">What the internet does not provide though is often the truth. There’s so much unreliable information that is waiting to be devoured, and so many naïve individuals that are soon going to add new, wrong beliefs about health, wealth, investing, or whatever it may be.</span></div>
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<span style="font-family: inherit;">Investing and money myths are no exception from the rule, and that's regardless of your generation.. So whether you're a millennial (born between mid-1990s to early 2000s) or a classic Tito/Tita who's looking for some insightful money and investing tips, you should always be aware of the world you’re living in. <u>You can never completely trust information online.</u> </span><br />
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<span style="font-family: inherit;">There is so much misleading information circulating right now that we have felt the need to compile a post that will expose some of the most outrageous myths on investing and money. For the purpose of financial stability and well-being, everyone should immediately get his facts straight once and for all. </span></div>
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<span style="color: navy; font-family: inherit;"><strong>You Need a Ton of Cash to Invest</strong></span></div>
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<span style="font-family: inherit;">Most people, especially Millennials, have swallowed the common myth that states that in order to be a successful investor, you need to have a lot of money at your disposal. That’s why many potentially great investors throw away their chances before even giving them an attempt. Moreover, a very misleading encouragement is that people should take all their money and put it into one big investment account!</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZrJelUYMyGsSEHhtU4YK48tKcl1-Erz9DUnlEwJ7hmnYDTAsQLWIq2NTdjTKBOdPLDqoJabbCQIO3MmDXjAG_K2nNeBBUHn-FqTELvdQJezCGScS4WQBoez3n9TSff5W-s6vuXBsvFXyD/s1600/ton_of_cash.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="You Need a Ton of Cash to Invest" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZrJelUYMyGsSEHhtU4YK48tKcl1-Erz9DUnlEwJ7hmnYDTAsQLWIq2NTdjTKBOdPLDqoJabbCQIO3MmDXjAG_K2nNeBBUHn-FqTELvdQJezCGScS4WQBoez3n9TSff5W-s6vuXBsvFXyD/s320/ton_of_cash.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">That could go wrong in so many ways. You may even lose everything due to inconsistent shifts in the economy. Just like it happened in 2008 with the global economic crisis, it could happen tomorrow. You can start small by strategically allocating small amounts of money to your investment plan and by following <a href="https://money.usnews.com/money/personal-finance/mutual-funds/slideshows/10-long-term-investing-strategies-that-work" target="_blank">small investment strategies</a> that actually work.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
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<span style="color: navy; font-family: inherit;"><strong>Investing Will Make You Lose All Your Money</strong></span></div>
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<span style="font-family: inherit;">Indeed, investing involves the obvious risk of losing your money. The only problem is that the majority of financial gurus and experts are encouraging the negative consequences more than the potential gains. After all, the concept behind “investing” supposes risk in exchange of potential profit. </span></div>
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<span style="font-family: inherit;">So if you can’t stand losing your money over and over again, you should choose another field of activity. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgzmsjf2LyTsISf-kwmQo_Zhb9h5LvYpxTiXOVp_yBeWNzc1J65yw_yNTL8Mk91LhovzoGXy0GyTZaGHFKp09YqHDgNzVnZ4Twfbdcpd9V7TtVMqG4Io_L-7np5ABgX0l2cAGHqyLvXguZ/s1600/lose_money.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Investing Will Make You Lose All Your Money" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgzmsjf2LyTsISf-kwmQo_Zhb9h5LvYpxTiXOVp_yBeWNzc1J65yw_yNTL8Mk91LhovzoGXy0GyTZaGHFKp09YqHDgNzVnZ4Twfbdcpd9V7TtVMqG4Io_L-7np5ABgX0l2cAGHqyLvXguZ/s320/lose_money.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">However, if you really wish to invest, be confident and very calculated while you do. In order to avoid discouraging outcomes and results, don’t invest without possessing the necessary knowledge.</span></div>
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<span style="color: navy; font-family: inherit;"><strong>Investment Advisors are All Trustworthy</strong></span></div>
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<span style="font-family: inherit;">If you believe that modern investment advisors that sell themselves well are completely trustworthy and they’re worth your money, you’ve got it wrong. Just observe the paradox here. If an investment guru makes his money by preaching stuff to other people, how good is the information he sells? Why wouldn’t he invest his money following his own guidelines and turn rich? The answer is simple: he can’t because he’s either a fraud or he's more after the commission/referrals. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhisTM0-W9iuabW_ErLse0FcwRUbIMyVqAxqCAW6UV5S_-Rc-xpwHmZLC9grHym5EzBLkb38BVhwW-ZbJ9FHaB2IvFSS_o3qVn-lncZV-dQ-rn_1WHHs-rAbPd5VWMm0hhs2IW0n-Ekemjp/s1600/investment_advisor.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Investment Advisors are All Trustworthy" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhisTM0-W9iuabW_ErLse0FcwRUbIMyVqAxqCAW6UV5S_-Rc-xpwHmZLC9grHym5EzBLkb38BVhwW-ZbJ9FHaB2IvFSS_o3qVn-lncZV-dQ-rn_1WHHs-rAbPd5VWMm0hhs2IW0n-Ekemjp/s320/investment_advisor.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">A genuine advisor would listen to your problems and goals, analyze your situation and recommend financial strategies that goes beyond the boundaries of the products or services that he or she will earn from.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
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<span style="color: navy; font-family: inherit;"><strong>All Debts are Bad</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Not all debts are bad. As it has been repeatedly emphasized with so many books and articles, there are 2 different types of debt: <a href="http://www.pisoandbeyond.com/2014/06/good-debt-bad-debt.html" target="_blank">good debt and bad debt.</a> You just have to learn how to distinguish one debt from another.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGk4vh28oEP44kF3Z67Hm_qKO095FbUbrLTf-rP0UCj4QFpu70TtfVvxtuuLbVeZe0__xqYUJNcKP0WlE1uuh1PC2p9R4oVhuO6o3HFD11cmKUnsmh2jMZIvI75AvcVdI60bdRrvzeND22/s1600/debt.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="All Debts are Bad" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGk4vh28oEP44kF3Z67Hm_qKO095FbUbrLTf-rP0UCj4QFpu70TtfVvxtuuLbVeZe0__xqYUJNcKP0WlE1uuh1PC2p9R4oVhuO6o3HFD11cmKUnsmh2jMZIvI75AvcVdI60bdRrvzeND22/s320/debt.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">Think about apartments. The need of accommodation will never go away, and people will always need a place to sleep. If the debt you have to pay monthly or yearly is lower than the passive income you receive from your assets, you’re actually doing it right!</span></div>
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<span style="font-family: inherit;"></span><br /></div>
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<span style="color: navy; font-family: inherit;"><strong>Cheaper is Often Better</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Many people believe that spending less money on the things they purchase will help them “save” money. In fact, that’s a big money myth that’s been circulating around the web for quite some years now. This mentality will make you lose more money in the long run, as you will get what you pay for. A cheap car will prove to be extremely expensive over time. A cheap rent will lose you a lot of time and money as you won’t possess all the features and utilities, so you’ll have to get them somewhere else. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUfs0Z0Jlt0kcQMMaKzrD9yLlhDk_P431dZq33yoy7CC_-fVRhAnGb4Q2m7GIVVzbmFNmhyphenhyphendR3u5U59LGLCsXO2K3Bovad4MkFL5-61q_r-DnZJ7mycR32WQlZ7kj3sAfNMl33fNkeIlBx/s1600/quality.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Cheaper is Often Better" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUfs0Z0Jlt0kcQMMaKzrD9yLlhDk_P431dZq33yoy7CC_-fVRhAnGb4Q2m7GIVVzbmFNmhyphenhyphendR3u5U59LGLCsXO2K3Bovad4MkFL5-61q_r-DnZJ7mycR32WQlZ7kj3sAfNMl33fNkeIlBx/s320/quality.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">Those were just a few examples, but you get the idea. When you spend your money on quality products, you can expect them to last for a few years without having to invest in them again and again.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
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<span style="color: navy; font-family: inherit;"><strong>Saving Every Penny Will Make You Rich</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">If someone told you to put every penny you have aside because that will make you rich, they’ve told you just a small part of the truth. You see, if you put all your money aside and you leave it rest in a bank account, <a href="http://www.pisoandbeyond.com/2014/02/why-your-bank-savings-is-not-investment.html" target="_blank">you have no more money to invest.</a> Therefore, the chances of significantly changing your life for the better – in terms of finances – goes to waste. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzXPIH6MB4RoY3USFo9Jrs9sezrrpDWeqgI9iTZ0_uZ4BTog64mM6_lkH6516SbpNG_YWqsHU4B1kj7QQXT9qBwMSXnDT_RXTXdJxBnexyphrGkzYnuMf0b3JtxeV1hJVhrGhJZZpqIe_v/s1600/saving.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Saving Every Penny Will Make You Rich" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzXPIH6MB4RoY3USFo9Jrs9sezrrpDWeqgI9iTZ0_uZ4BTog64mM6_lkH6516SbpNG_YWqsHU4B1kj7QQXT9qBwMSXnDT_RXTXdJxBnexyphrGkzYnuMf0b3JtxeV1hJVhrGhJZZpqIe_v/s320/saving.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">So instead of letting your money “sleep”, put them to “work”. You can get involved in different joint venture, trade, or invest in different companies that you think that’ll become popular in time. </span></div>
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<span style="font-family: inherit;"></span><br /></div>
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<span style="color: navy; font-family: inherit;"><strong>Your Retirement Pension Will Save You If Everything Goes Wrong</strong></span></div>
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<span style="font-family: inherit;">There are lots of Millennials who rely on their future retirement pensions, hence the phrase “You Only Live Once” or YOLO. That’s such a wrong thing to do, especially because you never know when the entire economy will collapse. By the time you will retire, there may not even be retirement pensions, so what will you do then? Well, the only chance to have a completely safe financial future is to invest your money as smart as you can, only in the things you can fully control.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmE8MAeuuv-g_J-F3r-7RoMBPUKxh0cf_neEBcHGK7g5DFferR4aRk0TtBayQA_kS8AUqU1_w2ZQ09f0UYVicpBfMlP0EtchUgoNemEvGo4lt0iEgOb57riG-zTp1pWyP-YBoGW0eyQCCa/s1600/retirement.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Your Retirement Pension Will Save You If Everything Goes Wrong" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmE8MAeuuv-g_J-F3r-7RoMBPUKxh0cf_neEBcHGK7g5DFferR4aRk0TtBayQA_kS8AUqU1_w2ZQ09f0UYVicpBfMlP0EtchUgoNemEvGo4lt0iEgOb57riG-zTp1pWyP-YBoGW0eyQCCa/s320/retirement.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"></span> </div>
<span style="font-family: inherit;"><strong>Takeaways</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Money and investing are often complicated because they’re made to be so. It takes some effort to understand how the system works. However, once you debunk all the myths that have a direct effect on your financial circumstances will surely improve your quality of life. Always remember to be cautious with every advice, fact, or opinion you come across. “Store” the information, have it there, up for grabs, but never fully believe it. </span><span style="font-family: inherit;"></span><br />
<br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: #990000; font-family: inherit;"><i>Author Bio:</i></span></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: #990000; font-family: inherit;"><i><span style="color: #990000; font-family: inherit;"><i>Micheal Gilmore is an entrepreneur and passionate career advisor at <a href="https://www.resumesplanet.com/" target="_blank">ResumesPlanet.com.</a> His mission is helping people achieve perfection in anything they do. His life is fully dedicated to the people. You can catch Micheal on <a href="https://twitter.com/GilmoreMicheal" target="_blank">Twitter.</a></i></span></i></span></span></span></div>
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<span style="font-family: inherit;">What other myths about money and investing do you believe? Receive cool updates like this when you <a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank">subscribe to PisoandBeyond!</a></span></div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com14tag:blogger.com,1999:blog-2030247462978742260.post-2971095467859084372018-01-30T08:54:00.000+08:002018-02-08T14:41:30.656+08:00The Elephant Rope<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoLMXvRdKwVMepkGU2BJQ-6b2KNK4zdr-H16dLgQVDQ8JIdScT1MvCURd7OjBQprmaxQJFANo3sBOM9qq5mlAWXUwfjUQpFG5w_27f4pl4BYu-Z8E6Ghfzq5i2c3v8pZ-Zmg5tgD2mctuh/s1600/head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="The Elephant Rope" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoLMXvRdKwVMepkGU2BJQ-6b2KNK4zdr-H16dLgQVDQ8JIdScT1MvCURd7OjBQprmaxQJFANo3sBOM9qq5mlAWXUwfjUQpFG5w_27f4pl4BYu-Z8E6Ghfzq5i2c3v8pZ-Zmg5tgD2mctuh/s320/head.jpg" title="" width="200" /></a></div>
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Miguel, a call center agent for more than 5 years now, decided to celebrate the milestone in an unusual way: visit a Zoo. While he's certain that it would raise eyebrows from his colleagues, he still pushed through.<br />
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He was hoping that doing something different, if not child-like, would somehow help him navigate his own ship on the right course.<br />
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Miguel, like most people, never really got to do what he wanted. He was one of the thousands who took nursing because his parents and the TV said so. And who wouldn't? A greener pasture overseas awaits! Except that they never realize that there were already thousands of unemployed nurses, care-givers and doctors that are more than enough to fill the demand. <br />
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So when Miguel finally graduated, the competition got the better of him. He was presented with 2 options: apply as a volunteer and wait until Lady Luck smiles on him to land a minimum wage job in a hospital or start with a higher pay grade in the BPO industry.<br />
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Fast forward more than 10 years since enrollment, Miguel never really got to pause and think, “What do I really want to do?”<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-wAgIZwS7_1G6wOpS3nbi1qr-SQ7mKcmLJidSFtHNEdfL1MLKeyuOZubPEoAqIfB1SMkS__fJf4_Nntk4_8dIFbmdz7OaXDw69o_emFVSwsLjsdA56D8mnMPNHuuGzRFZeWZD_ZT8n85O/s1600/think.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Man thinks for his future" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-wAgIZwS7_1G6wOpS3nbi1qr-SQ7mKcmLJidSFtHNEdfL1MLKeyuOZubPEoAqIfB1SMkS__fJf4_Nntk4_8dIFbmdz7OaXDw69o_emFVSwsLjsdA56D8mnMPNHuuGzRFZeWZD_ZT8n85O/s320/think.jpg" title="" width="320" /></a></div>
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As he enters the gate of <a href="http://www.pisoandbeyond.com/2014/05/the-fable-of-human-dream.html" target="_blank">the Zoo</a>, he can clearly remember dreaming of becoming an Architect. He was discouraged by his family because according to them, only a handful makes money from this job. His second choice was to become a Teacher. But his cousin, Noy, told him: “The subjects are difficult! That's why I shifted to HRM! It'll be difficult for you, too!” <br />
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When he graduated, he wanted to earn units in Graduate school so he can teach and somehow, pursue his passion. But his family expected him to provide sooner than later, and waiting for at least another 2 more years were none of their options.<br />
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After a year of working as a Call Center agent, and by reading books, mostly about entrepreneurship and investments, Miguel wanted to try something different on the side. He started thinking about <a href="http://www.pisoandbeyond.com/2017/12/starting-softdrinks-dealership-business.html" target="_blank">opening a Softdrinks dealership business</a>, or starting a small tutorial services company. But his schedule won't allow him to attend seminars to learn more. <a href="http://www.pisoandbeyond.com/2014/08/why-you-should-stop-being-bc.html" target="_blank">He was quite busy!</a> But of course, he still has time to grab a bucket of beer with his colleagues during pay day. It also didn't help that Mang Boy, a tricycle driver, told him that it's a bad idea to start a softdrinks business on their area because, well, he thinks it's bad.</div>
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<br />
As Miguel was passing the elephants, he suddenly stopped, confused by the fact that these huge creatures were being held by only a small rope tied to their front leg. No chains, no cages. It was obvious that the elephants could, at anytime, break away from their bonds but for some reason, they don't!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoYH0_m_po_6aCwEcI6T8EfqsiUVrgSsrauBffxNTjn3YdAQd7PmKBAGVn2q4Kqdy0D1ABP-kXzxhS79XM8S2OHnhGlZB1VsKYBkBInqbpBaXqzOB5Hh5RL5ERKtyRv5sA1-Vn0YGmMuuU/s1600/trainer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Elephant Rope" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoYH0_m_po_6aCwEcI6T8EfqsiUVrgSsrauBffxNTjn3YdAQd7PmKBAGVn2q4Kqdy0D1ABP-kXzxhS79XM8S2OHnhGlZB1VsKYBkBInqbpBaXqzOB5Hh5RL5ERKtyRv5sA1-Vn0YGmMuuU/s320/trainer.jpg" title="" width="320" /></a></div>
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When he saw a trainer nearby, he asked why these animals just stood there and made no attempt to get away. </div>
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“Well,” the trainer said, “when they were younger and smaller, we used the same size of ropes to tie them. At that age, that's enough to hold them. As they grew up, they were conditioned to believe that they can't break away. They believe the rope can still hold them, so they never try to break free.”</div>
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<div style="text-align: justify;">
Miguel was in awe. These animals could break free from their bonds at any time, but because they believed they couldn’t, they were stuck right where they were!</div>
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The trainer's response drowned him. He realized that just like these elephants, he was going through life hanging onto a belief that he cannot do something, simply because he either failed at it once or that he was told he can't! He always thought that he can never do it.</div>
<div style="text-align: justify;">
<br />
It's when he realizes a striking lesson: “Failure is part of learning, so we should never give up the struggle in life. No matter how much the world tries to hold you back, always continue with the belief that what you want to achieve is possible. Believing you can become successful is the most important step in actually achieving it.”<br />
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<tr><td><a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank"><img alt="PisoandBeyond" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhePxjk_gaTgHOqPvg-9eGGKfsfs2jEWcplFqOSKczkA4QRUsWkvuVvIHuGp8FYbpK_B21Ml-BUzk1E9ku3T5DBbg22bIs-PNeLLV5jnrBo7cN087JUugzIfPCx-364_hEwdHlriuYyo_cg/s1600/rss_subscribe_icon.png" /></a></td> <td><span style="font-family: inherit;">When do you plan to visit the Zoo? Receive cool updates like this when you <a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank">subscribe to PisoandBeyond!</a></span></td></tr>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com9tag:blogger.com,1999:blog-2030247462978742260.post-65229753345726218992018-01-16T09:57:00.000+08:002018-01-16T09:57:27.369+08:00The Four Wives<div style="text-align: justify;">
<span style="font-family: inherit;"></span><br /></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4hABG34Fye3Xuml93zpXtbny7Y8lPD8rbIKrD9KpTp_LfXze1UGciTsXE91FHMKHZkSe-cPKq9xDJ-ZsGQLNeVaWsAVDy6EpB97mELTUzWJrm5beoAqD7VoeA6rx8oT_laMhF4BjBexW9/s1600/wives.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="The Four Wives" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4hABG34Fye3Xuml93zpXtbny7Y8lPD8rbIKrD9KpTp_LfXze1UGciTsXE91FHMKHZkSe-cPKq9xDJ-ZsGQLNeVaWsAVDy6EpB97mELTUzWJrm5beoAqD7VoeA6rx8oT_laMhF4BjBexW9/s320/wives.jpg" title="" width="200" /></a></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">There was once a rich and powerful merchant who had 4 wives. He loved his 4th wife the most and adorned her with rich robes and treated her to delicacies. He took great care of her and gave her nothing but the best.</span></div>
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<span style="font-family: inherit;"></span> </div>
<div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-family: inherit;">He also loved his 3rd wife very much. He's very proud of her and always wanted to show off her to his friends and relatives.</span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"></span></span><br />
<a name='more'></a><br />
<span style="font-family: inherit;"><span style="font-family: inherit;">However, the merchant is always in great fear that she might run away with some other men. </span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"></span></span> </div>
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<span style="font-family: inherit;"><span style="font-family: inherit;">He<span style="font-family: inherit;"> too, loved his 2nd wife. She is a very considerate person, always patient and in fact is the merchant's confidante. Whenever the merchant faced some problems, he always turned to his 2nd wife and she would always help him out and tide him through difficult times.</span></span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"></span></span></span> </div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;">Now, the merchant's 1st wife is a very loyal partner and has made great contributions in maintaining his wealth and business as well as taking care of the household. However, the merchant did not love the first wife and although she loved him deeply, he hardly took notice of her.</span></span></span></span></div>
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<span style="font-family: inherit;"></span><br /></div>
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<span style="font-family: inherit;">One day, the merchant fell ill. Before long, he knew that he was going to die soon. He thought of his luxurious life and told himself, “Now I have 4 wives with me. But when I die, I'll be alone. How lonely I'll be!”</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Thus, he asked his 4th wife, “I loved you most, endowed you with the finest clothing and showered great care over you. Now that I'm dying, will you follow me and keep me company?” “No way!”, replied the 4th wife and she walked away without another word.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">The answer cut like a sharp knife right into the merchant's heart. The sad merchant then asked his 3rd wife, “I have loved you so much for all my life. Now that I'm dying, will you follow me and keep me company?” “No!”, replied the 3rd wife. “Life is so good over here! I'm going to remarry when you die!” The merchant's heart sank and turned cold.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">He then asked the 2nd wife, “I always turned to you for help and you've always helped me out. Now I need your help again. When I die, will you follow me and keep me company?” “I'm sorry, I can't help you out this time!” replied the 2nd wife. “At the very most, I can only send you to your grave.” Her answer came like a bolt of thunder and the merchant was devastated.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Then a voice called out : “I'll leave with you. I'll follow you no matter where you go.” The merchant looked up and there was his first wife. She was so skinny, almost like she suffered from malnutrition. Greatly grieved, the merchant said, “I should have taken much better care of you while I could have!”</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">We all have 4 wives in our lives:</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">a. The 4th wife is our body. No matter how much time and effort we lavish in making it look good, it'll leave us when we die.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">b. Our 3rd wife? Our possessions, status and wealth. When we die, they all go to others.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">c. The 2nd wife is our family and friends. No matter how close they had been there for us when we're alive, the furthest they can stay by us is up to the grave.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">d. The 1st wife is in fact our soul, often neglected in our pursuit of material, wealth and sensual pleasure.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">It is actually the only thing that follows us wherever we go. Perhaps it's a good idea to cultivate and strengthen it now rather than to wait until we're on our deathbed to lament.</span></div>
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<span style="font-family: inherit;"></span><br />
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<tr><td><a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank"><img alt="PisoandBeyond" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhePxjk_gaTgHOqPvg-9eGGKfsfs2jEWcplFqOSKczkA4QRUsWkvuVvIHuGp8FYbpK_B21Ml-BUzk1E9ku3T5DBbg22bIs-PNeLLV5jnrBo7cN087JUugzIfPCx-364_hEwdHlriuYyo_cg/s1600/rss_subscribe_icon.png" /></a></td> <td><span style="font-family: inherit;">Will you start taking care of your 4th wife today? Receive cool updates like this when you <a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank">subscribe to PisoandBeyond!</a></span></td></tr>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com25tag:blogger.com,1999:blog-2030247462978742260.post-91459438042937822222018-01-05T11:10:00.000+08:002018-01-05T11:16:24.647+08:005 Safety Features Your Business Must Have<div style="text-align: justify;">
<span style="font-family: inherit;"></span> </div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgu-5Jtw6K_lzOrTknMJ_j9cowS2bmF3X9Y7SPN4ViERyDCr_upYAcXoYDUvnHidmGIJapMAJa4Rofdp0TbDK1IUzs0DAHj8f3t6KuiOvVJWpwIu78KiHk24tfXjVOa4ZSrTvXTa4q8yN-1/s1600/safety_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="5 Safety Features Your Business Should Have" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgu-5Jtw6K_lzOrTknMJ_j9cowS2bmF3X9Y7SPN4ViERyDCr_upYAcXoYDUvnHidmGIJapMAJa4Rofdp0TbDK1IUzs0DAHj8f3t6KuiOvVJWpwIu78KiHk24tfXjVOa4ZSrTvXTa4q8yN-1/s320/safety_head.jpg" title="" width="200" /></a></div>
<span style="font-family: inherit;">If you're a business owner, the safety of your customers and employees is at the top of your list of priorities. While we never wish for any incidents to happen, it's always best to be prepared.</span></div>
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<span style="font-family: inherit;">Today, with the help of conventional and high-tech gadgets and accessories, ensuring the safety of your place of business is no longer a difficult undertaking. </span><br />
<span style="font-family: inherit;"></span><br />
<a name='more'></a><br />
<span style="font-family: inherit;">Many of these tools come integrated in complete and automated systems that are efficient, responsive, and truly effective. Here are some of the top safety features and measures that your business cannot do without:</span></div>
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<span style="color: navy; font-family: inherit;"><strong>Emergency and Safety Lighting</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Illumination and visibility are key in any emergency situation in which the power has been cut. This is to enable building occupants to evacuate the premises swiftly and safely. Thus, <a href="https://ph.rs-online.com/web/c/lighting/emergency-lighting-safety-lighting/" target="_blank">top-quality emergency lights</a> are an important feature of any well-designed business or commercial establishment. These include safety lighting equipment as well signages that point to exits and other vital safety provisions.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjF7pATUBoO5-DHhE_RoVFPAHm8tDOkkk4xmdskxbDHCo676-R8ghTfnf__3gmICz-w56YAaMRuwkHOSj8ED-uR_L7WGxh1C5RnvM7cKO568R8SaxoU6UjUDITmcAJDN6NXFUailr8BT1nX/s1600/emergency_and_safety_lighting.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Emergency and Safety Lighting" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjF7pATUBoO5-DHhE_RoVFPAHm8tDOkkk4xmdskxbDHCo676-R8ghTfnf__3gmICz-w56YAaMRuwkHOSj8ED-uR_L7WGxh1C5RnvM7cKO568R8SaxoU6UjUDITmcAJDN6NXFUailr8BT1nX/s320/emergency_and_safety_lighting.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">With the advent of LED technology, standby emergency lighting these days is more energy efficient and emergency-ready. You can also convert existing lighting outlets into emergency lighting that automatically turn on when power is down—no need for extensive renovation or rework. There are safety signages that illuminate without being connected to power, thus enhancing their reliability.</span></div>
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</div>
<div style="text-align: justify;">
<span style="color: navy; font-family: inherit;"><strong>Fire Alarms and Detectors</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Alarm and detection systems for fire and smoke are another must for any business. A complete fire alarm system consists of fire and smoke detector units, call points or alarm buttons, wiring, and a control panel. These components should be sturdy, reliable, and efficient. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt7WdXdah-Pf3YjXGL7g1ESpNmQkjS2cE0kdw-9nab9ZAmGCJHIcKz814qob7RBOxX40StERvbQ5QFrlms4OtlWzBRKqQFvv58d79KATmNIp1EdZLOyp6oChYOwABTdhJc582MmKQq-z0v/s1600/fire_alarms_and_detectors.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Fire Alarms and Detectors" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt7WdXdah-Pf3YjXGL7g1ESpNmQkjS2cE0kdw-9nab9ZAmGCJHIcKz814qob7RBOxX40StERvbQ5QFrlms4OtlWzBRKqQFvv58d79KATmNIp1EdZLOyp6oChYOwABTdhJc582MmKQq-z0v/s320/fire_alarms_and_detectors.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">Modern fire alarm control panels are automated and provide a host of features such as alarm testing, cancellation, silence alarms, etc. It is also important to perform routine testing of fire and smoke detector units, a task for which there are dedicated accessories and tools. </span></div>
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</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Many fire alarm systems are incorporated into larger fire sprinkler systems, which use water to control the spread of fire.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="color: navy; font-family: inherit;"><strong>First Aid and Emergency Equipment</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Emergency equipment such as first aid kits, fire extinguishers, fireproof garments, fire hoses, and the like should be placed and made available in strategic areas of any establishment, especially large ones. </span><br />
<span style="font-family: inherit;"></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhg2g3PWKFzFgicHCCCwb3S7hELV3SanTA_hhrjq3ZEb3eK5GoGDt6ThFj6wXB-4CrbbvKObxnR5JxqHWzYq0w4lyaKlNTGNNdjOzwurRABseil-5R9RwuzYzPL5CpyePiPlnmlynOSDBEJ/s1600/first_aid_and_emergency_equipment.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="First Aid and Emergency Equipment" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhg2g3PWKFzFgicHCCCwb3S7hELV3SanTA_hhrjq3ZEb3eK5GoGDt6ThFj6wXB-4CrbbvKObxnR5JxqHWzYq0w4lyaKlNTGNNdjOzwurRABseil-5R9RwuzYzPL5CpyePiPlnmlynOSDBEJ/s320/first_aid_and_emergency_equipment.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">These are stopgap measures when professional emergency responders such as firemen or medics may take some time to arrive at the scene. These items are usually placed in glass enclosures that can be broken and accessed as the need arises.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="color: navy; font-family: inherit;"><strong>CCTV Systems</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Closed-circuit television or <a href="https://ph.rs-online.com/web/c/safety-security-esd-control-clean-room/cctv-security-surveillance/" target="_blank">CCTV surveillance cameras</a> have been gaining popularity in recent years because of advancements in computer technology that have made these systems more affordable yet more efficient and feature-laden. Time and again, they have been proven to be effective as a crime deterrent, as well as an efficient measure for ensuring the safety of employees. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAeAdtc7rpn7NUwG55nD1g9dBDyYg2_y4ht5rhU1wPbS2jo052_oIqoeO5oc-606NbbMm3PWNW9OA8_HrvU-xKYJOT_JUdlLHm9jHNbasLJ9wKDTCLBXPCXrjZJ5tiozkNTLljC84nu-3M/s1600/cctv_systems.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="CCTV Systems" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAeAdtc7rpn7NUwG55nD1g9dBDyYg2_y4ht5rhU1wPbS2jo052_oIqoeO5oc-606NbbMm3PWNW9OA8_HrvU-xKYJOT_JUdlLHm9jHNbasLJ9wKDTCLBXPCXrjZJ5tiozkNTLljC84nu-3M/s320/cctv_systems.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">Many CCTV cameras have become more compact in size and are now even wireless in nature, making them easier to install in more points in order to cover a wider area of surveillance. With the increased memory and data storage capacities of computers, recording and archiving footages are also no longer a problem.</span></div>
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</div>
<div style="text-align: justify;">
<span style="color: navy; font-family: inherit;"><strong>Slip and Fall Accessories</strong></span></div>
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<span style="font-family: inherit;">Safety also means preventing accidents such as falls, slips, or skids on the floor. Such instances are one of the top causes of personal emergencies in public places and establishments. It pays to have the right type of floor covering and protection especially suited for particular areas of use, such as high-traffic areas, wet areas, construction areas, and so on. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhARo2JLd0Natji2MzdRLmf7aLm9_2aPOsFPZEiVjfkIxwvZpDARuEYrmFyDHiZO-JhA6K_F3UMZM7Iduhv6uuaUoXu_JPJwtEq0onVyaYjLo0ZE66V4QZITaCIKGrebkGOSGfOKewDpOsX/s1600/slip_and_fall_accessories.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Slip and Fall Accessories" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhARo2JLd0Natji2MzdRLmf7aLm9_2aPOsFPZEiVjfkIxwvZpDARuEYrmFyDHiZO-JhA6K_F3UMZM7Iduhv6uuaUoXu_JPJwtEq0onVyaYjLo0ZE66V4QZITaCIKGrebkGOSGfOKewDpOsX/s320/slip_and_fall_accessories.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">These include non-slip mats, proper entrance and walkway mats, and other specialized floor coverings and accessories. These are ideal for businesses such as hospitals, offices, schools, and many others.</span></div>
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<strong>In Summary</strong></div>
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<span style="font-family: inherit;">As the saying goes, an ounce of prevention is better than a pound of cure, and this rings truer nowhere else than in the area of operational safety. Damage to your property and possessions and paying for your legal liabilities and the medical care of affected individuals when an untoward incident happens are all definitely more costly than placing the proper safety solutions in place. By investing in safety features for your business premises, you will not only enjoy smooth daily business operations, but peace of mind as well. </span></div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com37tag:blogger.com,1999:blog-2030247462978742260.post-32679413889086572842017-12-28T13:40:00.000+08:002017-12-28T13:40:33.026+08:00The Builders of Middle East<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUqP5Zv15AADDXS6VjXGyLi4MrU7oAlwSwG-6HGVLghbTs2aSlbt8a_KWegXNnBasHNkPKPQkiCEFOnxLg2UJkeXlkVkkaV8_bwBi0rYkKuqDj_33OapKz4xRj5SMW5YEdCfdXAyKJ4fzj/s1600/dubai.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUqP5Zv15AADDXS6VjXGyLi4MrU7oAlwSwG-6HGVLghbTs2aSlbt8a_KWegXNnBasHNkPKPQkiCEFOnxLg2UJkeXlkVkkaV8_bwBi0rYkKuqDj_33OapKz4xRj5SMW5YEdCfdXAyKJ4fzj/s320/dubai.jpg" width="200" /></a></div>
Whether you plan to buy (and sell for profit later) the property or have it rented out as means of earning passive income, real estate investments would always be one of the most wanted item in one's portfolio.<br />
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In the Philippines, we have several giants including Ayala Land, SMDC, Megaworld, Double Dragon and DMCI among many others. <br />
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But what about the real estate developers among other countries, particularly the Middle East? As of 2013, <a href="http://www.philstar.com/business/2016/02/10/1551398/ofws-who-they-are-where-they-work-and-what-they-do" target="_blank">more than half (53 percent) of OFWs work in the Middle East.</a> While the eligibility and financial requirements would greatly differ from one country to another, the possibility of <a href="http://www.cfo.gov.ph/downloads/statistics/global-mapping-of-overseas-filipinos.html" target="_blank">an OFW wanting to buy a property</a> is not remote.</div>
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<strong>Why Middle East?</strong></div>
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The Middle East has now a set of prominent business hubs attracting large investments in many business sectors including ICT, finance, manufacture and construction. Dubai is definitely one of these hubs. It pioneered the region and stayed the only investment destination for a quite long time, but now more cities rose to the scene aiming at grabbing a share of the cross region capitals like Bahrain and Qatar.</div>
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To help you, in case you made a great fortune there and plan to buy a property in the near future, we'll list down the most prominent real estate companies in the Middle East that you should consider:</div>
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<strong><span style="color: navy;">1. Emaar</span></strong></div>
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When talking about Middle East’s real estate companies, we couldn’t start without mentioning <a href="https://www.emaar.com/en/" target="_blank">Emaar.</a> This UAE-based company established a large client base covering GCC nationals, Arabs, and foreigners in a record time. It gained customers’ confidence by launching unique real estate projects of different sectors and delivering them to buyers on time.</div>
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Emaar has launched affiliate companies in many of the Middle East countries including Saudi Arabia, Egypt, Morocco, Turkey, and other.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeZZEkel3uuUWY21O7BB0V8DyK0vqFcs8vx7C2-njTYAXmyLsmgqfR5mjICft_ycA44dJEidJOXjNM7VXxcbVNoXksbjtsrl2cKlcW93i7puCmsV4T60M0uAFmK3unKuw0-nVUE03RDwMf/s1600/emaar.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Emaar" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeZZEkel3uuUWY21O7BB0V8DyK0vqFcs8vx7C2-njTYAXmyLsmgqfR5mjICft_ycA44dJEidJOXjNM7VXxcbVNoXksbjtsrl2cKlcW93i7puCmsV4T60M0uAFmK3unKuw0-nVUE03RDwMf/s320/emaar.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;">2. Dar Al Arkan</span></strong></div>
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An international real estate developer headquartered in Saudi Arabia, Dar Al Arkan has a lot of iconic developments in many countries inside and outside the Middle East. The company is the largest in KSA in respect of market value. Launched in 1994 in Riyadh, Dar Al Arkan’s track record has many projects in all Saudi Arabia’s mega cities like Riyadh, Jeddah, Mecca, and Medina. Moreover, the company launched a set of projects in Dubai.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghfaW_oyDmBr1rlXIKd0LVy3iPmU1EP6u9t5aafjnoO6UhgeZbqu2tiunTmXA5U7h-jLSQYnUxDWp5-SmfHOCiU9E8KMggH2jNriPaA3rkV1y5KOBcytJKoZS4C8WN-nlVpeRSQ9rVcbwB/s1600/dar.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Dar Al Arkan" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghfaW_oyDmBr1rlXIKd0LVy3iPmU1EP6u9t5aafjnoO6UhgeZbqu2tiunTmXA5U7h-jLSQYnUxDWp5-SmfHOCiU9E8KMggH2jNriPaA3rkV1y5KOBcytJKoZS4C8WN-nlVpeRSQ9rVcbwB/s320/dar.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;">3. DAMAC Properties</span></strong></div>
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Founded by the famous Emirati businessman Hussain Sajwani in 2002, Damac took advantage of the booming property market in Dubai and built its name in a couple of years to turn to a notable landmark developer known in the whole Middle East region.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmcyib2Os8Q0lxHjbcOg3xD-F8HHBPjlqwSio5gFHAVkY1Dk54Cis5Nf_1tbVYtBdAtaLHdZc_LwWzQRBCn8z7ZxWVrflsZymowE3EOSfL-StOgqhHh8C7bHL-k2W4P2T25Twj2pH33mpv/s1600/damac.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="DAMAC Properties" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmcyib2Os8Q0lxHjbcOg3xD-F8HHBPjlqwSio5gFHAVkY1Dk54Cis5Nf_1tbVYtBdAtaLHdZc_LwWzQRBCn8z7ZxWVrflsZymowE3EOSfL-StOgqhHh8C7bHL-k2W4P2T25Twj2pH33mpv/s320/damac.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;">4. Talaat Moustafa Group Holding</span></strong></div>
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Egypt’s number one builder, with a land bank of 50 million square meters, is known for launching different sorts of developments including hotel, closed mixed use communities, stand alone structures and recreational projects among other.</div>
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They joined Egypt’s stock exchange market in 2007 and it has many subsidiaries like Alexandria real estate company, San Stefano Real Estate company, Alexandria for Urban Development, in addition to shares in other property development companies.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBfYbvDVMx-WVwlwOmWC5Pdo4GzpxJsMf14xBb6xcjtfr_2UuXo7JItwIYQ9PfWKcu5h4dpqupBSMRfDsf9BwI8N2lL9OTcLArhTtwZVnyEfKBN-QPIm0ybgRzdtoZGHE5-XEdeZO1ojXU/s1600/talaat.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Talaat Moustafa Group Holding" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBfYbvDVMx-WVwlwOmWC5Pdo4GzpxJsMf14xBb6xcjtfr_2UuXo7JItwIYQ9PfWKcu5h4dpqupBSMRfDsf9BwI8N2lL9OTcLArhTtwZVnyEfKBN-QPIm0ybgRzdtoZGHE5-XEdeZO1ojXU/s320/talaat.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;">5. Bin Faqeeh</span></strong></div>
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Dubbed as Bahrain’s number one real estate developer, this despite being a relatively new builder, Bin Faqeeh now is the most popular in the small island kingdom with the biggest property portfolio.</div>
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With its big supply of properties, Bin Faqeeh boosted the number of <a href="https://bahrain.weetas.com/en/properties-for-rent/apartments-for-rent-in-bahrain.html" target="_blank">Bahrain flats that are either for rent or for sale.</a> The company aims to take Bahrain real estate market to the next level by targeting customers in neighboring Arab countries and also foreign countries. It plans to open sales offices in Egypt, Jordan, India, and Russia to promote its products in Bahrain. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhm0phOn0fKdoukhC5FlbW0MYtotCy3-etxdPUhIDqVtMOlU3SJ_kGE_x4JjCCmwS8SGDpxNIs7JiKabI55uW5y1dtslSYQSW7v9wPUMptPaPRaHyMRLneY90abc2jSnJCRqc66Mdr06SVL/s1600/bin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Bin Faqeeh" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhm0phOn0fKdoukhC5FlbW0MYtotCy3-etxdPUhIDqVtMOlU3SJ_kGE_x4JjCCmwS8SGDpxNIs7JiKabI55uW5y1dtslSYQSW7v9wPUMptPaPRaHyMRLneY90abc2jSnJCRqc66Mdr06SVL/s320/bin.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;">6. Barwa</span></strong></div>
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Doha-based real estate company established in 2005 and has a great role in the current urban modification process taking place in the Qatar. 45 percent of the company is owned by Qatar Investment Authority.</div>
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The company is known for many real estate projects like Mesaieed project, Mesaieed, and Barwa Al Baraha.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEib5wZLa81Lv4qRxgwudo1ps5hTEJrf00404UGXfPb6vWn6u-zeCOG7cjEwmINN1dA9SqT4i8ErJQKi1S06ILZw_hwzKoAO12nHBovp76xjDpYtOkwMe4F9ftRodOFE3I8PZ9Y71SQFFbcY/s1600/barwa.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Barwa" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEib5wZLa81Lv4qRxgwudo1ps5hTEJrf00404UGXfPb6vWn6u-zeCOG7cjEwmINN1dA9SqT4i8ErJQKi1S06ILZw_hwzKoAO12nHBovp76xjDpYtOkwMe4F9ftRodOFE3I8PZ9Y71SQFFbcY/s320/barwa.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;">7. Groupe Addoha</span></strong></div>
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The biggest real estate conglomerate in Morocco that has numerous residential communities scattered throughout Morocco is the Groupe Addoha, which works principally in delivering economic residential products. It also has prominent activity in hotel sector and high-end properties.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKWV3wuGUUF1sYqdrOaKa3GU_CHE5KTYkME2Qv8LFIv4GbQxfWwotRPgedSry4dksXfr-8hv5BVW1f9EHhpwN9EDunQ816SRZj23i4-YTFzgM4gfawb1WL8dadzor5MPbRUqYNx5oujsz4/s1600/groupe.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Groupe Addoha" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKWV3wuGUUF1sYqdrOaKa3GU_CHE5KTYkME2Qv8LFIv4GbQxfWwotRPgedSry4dksXfr-8hv5BVW1f9EHhpwN9EDunQ816SRZj23i4-YTFzgM4gfawb1WL8dadzor5MPbRUqYNx5oujsz4/s320/groupe.jpg" title="" width="320" /></a></div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com14tag:blogger.com,1999:blog-2030247462978742260.post-57071340349273179942017-12-26T16:09:00.000+08:002017-12-26T16:10:53.536+08:007 Tips on How to Write a Winning Resume<div style="text-align: justify;">
<span style="font-family: inherit;"></span> </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEik_Wdi6cMpkn301W3WAb87400gTCBWmsJgpUo37xP_n_W3TOO-L3jH6vYbmesRZYzS9M8bu180oYt02oSwIrdWS6yOcAYDW9VymHK6x6_k5-r1o6MZD9Qh9Gx8LXJSi9xZmzFV4Q6NCNn8/s1600/resume_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="How to Write a Good Resume" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEik_Wdi6cMpkn301W3WAb87400gTCBWmsJgpUo37xP_n_W3TOO-L3jH6vYbmesRZYzS9M8bu180oYt02oSwIrdWS6yOcAYDW9VymHK6x6_k5-r1o6MZD9Qh9Gx8LXJSi9xZmzFV4Q6NCNn8/s320/resume_head.jpg" title="" width="200" /></a></div>
<span style="font-family: inherit;">When it comes to hiring, most employers are clear with <a href="https://www.glassdoor.com/employers/popular-topics/hr-stats.htm" target="_blank">two major issues</a> they normally face: (1) shortage of candidates and (2) lengthy hiring practices. </span><br />
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">Don’t get this wrong; they do get job applications. On an average, however, about 118 people apply for a job, but <a href="https://www.forbes.com/sites/jacquelynsmith/2013/04/17/7-things-you-probably-didnt-know-about-your-job-search/#b342b5c38110" target="_blank">only 20% of them are actually called</a> or considered for an interview. </span><br />
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<span style="font-family: inherit;">That’s either because they are not qualified enough or their resumes were not convincing enough.</span><br />
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<span style="font-family: inherit;"><span style="font-family: inherit;">You can take care of that first issue easily: you’ll apply only to job you’re qualified for. As for the convincing resume, it will take a bit of work, but you’ll make it, so let's get straight to the 7 important tips on how to write a job-winning resume.</span></span></div>
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<strong><span style="color: navy;">1. Open with a Bang</span></strong><br />
An employer won’t give much consideration to your resume if you don’t capture their attention from the very start. That’s why the first two sentences are so important.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihtIU4bOsolXc9epqll73eUYTQlZY3X1F3pmY-KpTOWcEzPHJh4M_IISkUWIXUqSsdcI_FxZVvZxEMdms1wihum6LMU7PcF0gdgow8eKMjfeVNU1cN8qchdqAR0UTsomkqXvcuV3r8dI_t/s1600/impressed.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Open with a Bang" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihtIU4bOsolXc9epqll73eUYTQlZY3X1F3pmY-KpTOWcEzPHJh4M_IISkUWIXUqSsdcI_FxZVvZxEMdms1wihum6LMU7PcF0gdgow8eKMjfeVNU1cN8qchdqAR0UTsomkqXvcuV3r8dI_t/s320/impressed.jpg" title="" width="320" /></a></div>
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;">Imagine you’re in an elevator with this employer and you have only few seconds to introduce yourself and say why you’re great for the job. That’s the summary of your resume, known as a resume objective. It’s optional, but highly recommended when you know how to write it.</span></span><br />
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<blockquote class="tr_bq">
<span style="font-family: inherit;"><span style="font-family: inherit;">Social media marketing expert with over seven years of experience in designing marketing strategies, attracting audience, and implementing a broad range of realignment activities for nine Facebook pages.</span></span></blockquote>
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">See? One sentence can give you the necessary space to say tons of things about yourself. </span><br />
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<strong><span style="color: navy;">2. Match It to the Job</span></strong><br />
There’s no such thing as a universal resume. If you already have an old resume, leave it aside. Go through this job description very carefully. Imagine you’re the employer. Is the resume relevant? If not, adjust it to highlight the most relevant experience, skills, and interests.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgH47USNln7uc-cwJz52nw2vcW0XVzNbiysR5dDz-ORy_GDlkOWDrPYf3cwBpv6FETQOWkfva786B0pInkJ9J2ti7r39wWC0zDdr1cVl2J0UXN4tjzh-QyX0gpC-XZSdC9mYUH29s_c-v-3/s1600/employer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Match it to the Job" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgH47USNln7uc-cwJz52nw2vcW0XVzNbiysR5dDz-ORy_GDlkOWDrPYf3cwBpv6FETQOWkfva786B0pInkJ9J2ti7r39wWC0zDdr1cVl2J0UXN4tjzh-QyX0gpC-XZSdC9mYUH29s_c-v-3/s320/employer.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><br />
<span style="color: navy;"><strong>3. Be Specific</strong></span></span><br />
<span style="font-family: inherit;"><span style="color: navy;"><span style="color: black;">Which sentence is more convincing?</span></span></span></div>
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<span style="font-family: inherit;"></span><br />
<blockquote class="tr_bq">
<span style="font-family: inherit;">(1.) Worked in a culturally diverse environment for 3 years.<span style="font-family: inherit;"><br />
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<blockquote class="tr_bq">
<span style="font-family: inherit;">(2.) Over the course of three years, initiated seven projects and delivered exceptional results on 24 projects on cultural diversity for the Red Cross. </span></blockquote>
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">Of course it’s the second one. It includes persuasive words like initiated and delivered. It’s more specific, since it tells the employer what organization you worked for and how many projects you were part of. It’s more trustworthy, just like a proper resume should be.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDxfdRk5n8G48pOy87k3GnUZ5Rl1-HRAoIpK_gqejHOK2LGxTnzBvJT3sMiWBn8Kva0eqBOu_cgBo2u9CSxAQeaVkdufVh6e6TcxOl0mas5rCJss8daP4ZWWS3Ev5DYw01fn_J6cySjp54/s1600/specific.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Be specific" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDxfdRk5n8G48pOy87k3GnUZ5Rl1-HRAoIpK_gqejHOK2LGxTnzBvJT3sMiWBn8Kva0eqBOu_cgBo2u9CSxAQeaVkdufVh6e6TcxOl0mas5rCJss8daP4ZWWS3Ev5DYw01fn_J6cySjp54/s320/specific.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"> <strong><span style="color: navy;">4. Don’t Include Everything</span></strong></span><br />
<span style="font-family: inherit;">You have tons of experience and you hold several degrees and certificates, so you <a href="http://www.pisoandbeyond.com/2017/12/8-ways-to-beat-procrastination.html" target="_blank">procrastinate the moment of writing</a> because you think it will be easy to put all that info in a resume? Oh, you’re wrong!</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIo83IP2ZAItlunJeV9knK2ZjRiqfD8G-rjYRGOGGMIw7IuFq1R8Ja-6-9XY1Pvh5RHaLPbcnS44gPgzjeHK6NieTZysuJpWbPFpo3G8Lverv8jqc8YrZg1vtCs9SzaZ-jA66B94KSihZR/s1600/long.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Do not include everything" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIo83IP2ZAItlunJeV9knK2ZjRiqfD8G-rjYRGOGGMIw7IuFq1R8Ja-6-9XY1Pvh5RHaLPbcnS44gPgzjeHK6NieTZysuJpWbPFpo3G8Lverv8jqc8YrZg1vtCs9SzaZ-jA66B94KSihZR/s320/long.jpg" title="" width="320" /></a></div>
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;">If the list of jobs, accomplishments, volunteer activities, degrees, and skills is too long, you must edit it out. You don’t want to present a huge chunk of text over several pages. The employer doesn’t have time for that. Include only relevant information. </span></span></div>
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<span style="font-family: inherit;"><br />
<strong><span style="color: navy;">5. Mind the Formatting</span></strong><br />
Don’t even think about using a fancy font that’s hard to read. Keep it simple with readable fonts like Arial, Courier New, or Times New Roman. Use bulleted style, so you’ll make the resume easy to read.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGYZp-M2XnTuXmjLmmyOYSqe50AQ5f8jdZOEvfJqmhYNNLqcKjoeRKXDB7OJuWCSeLzyQVaHUr2cNdNKXFqEUrvM3czTFY3YwvfLpusXjTXOl7EkP91CL20flBZ0hdyt2ouZjjktVUrB1L/s1600/fancy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Mind the formatting" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGYZp-M2XnTuXmjLmmyOYSqe50AQ5f8jdZOEvfJqmhYNNLqcKjoeRKXDB7OJuWCSeLzyQVaHUr2cNdNKXFqEUrvM3czTFY3YwvfLpusXjTXOl7EkP91CL20flBZ0hdyt2ouZjjktVUrB1L/s320/fancy.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;">Make sure to include all important sections and make them look good on the page. You may use a template to get inspired regarding the design. However, you mustn’t get too inspired and copy the content, too.</span></span></div>
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<span style="font-family: inherit;"><br />
<strong><span style="color: navy;">6. Stick to Simplicity</span></strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Take a look at this.. </span><br />
<br />
<blockquote class="tr_bq">
<span style="font-family: inherit;">Was engaged in a highly successful leadership role for controlling transformation from an ineffective top-down organizational system that suffered from low customer service satisfaction scores to a more decentralized model focused on every employee’s accountability towards customers. </span></blockquote>
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">Remember: the last thing you want to do is write a sentence that leaves the employer wondering: “Ano daw?”</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRlSY1EiYcJTrOwdbZCJadELhL7-fk8ePsqHMYvp9nKzpTJw3iStDmQTk1mqjqhOY917SgAyHqmyHnkYYM7vw40QJXmIPwFV9mpx8jHW_ydxbqGkqh1J5XQuwcdXM_DPNJezkOVDXL4rio/s1600/confused.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Stick to simplicity" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRlSY1EiYcJTrOwdbZCJadELhL7-fk8ePsqHMYvp9nKzpTJw3iStDmQTk1mqjqhOY917SgAyHqmyHnkYYM7vw40QJXmIPwFV9mpx8jHW_ydxbqGkqh1J5XQuwcdXM_DPNJezkOVDXL4rio/s320/confused.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;">Use simple language. Avoid all unnecessary words. You can use a tool like <a href="http://www.hemingwayapp.com/" target="_blank">Hemingway Editor</a> to make sure you’re not complicating things.</span></span><br />
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<span style="font-family: inherit;"><br />
<strong><span style="color: navy;">7. Hire a Writer</span></strong></span><br />
<span style="font-family: inherit;">You don’t have time to start working on your writing skills? You need a convincing resume right now? The first thing you should do is try to follow the remaining tips of this article and write that resume. If that doesn’t work, you can hire a writer from a service like <a href="http://rushmyessay.co.uk/" target="_blank">RushMyEssay.</a></span><br />
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;">A professional writer will know how to complete an attention-grabbing resume. This will still be your own job application. You’ll tell the writer what information you want the content to include, and you’ll get it by the deadline you set.</span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKjvoWhjm7k1LLb-qKFwHP8KTKLTZYl1cz0N1mmpThze6TSxOCTDzBYW_mCuCR8GgT79ySAkn7kXeQWfn619JQTGgZ8eX7e1VhXe17tqfuK8JChlIGwehgaTYdi9PB7PlS_EoTG1qdIC4T/s1600/writer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Hire a writer" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKjvoWhjm7k1LLb-qKFwHP8KTKLTZYl1cz0N1mmpThze6TSxOCTDzBYW_mCuCR8GgT79ySAkn7kXeQWfn619JQTGgZ8eX7e1VhXe17tqfuK8JChlIGwehgaTYdi9PB7PlS_EoTG1qdIC4T/s320/writer.jpg" title="" width="320" /></a></div>
<span style="font-family: inherit;"><span style="font-family: inherit;"></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;">Writing a convincing resume is a huge challenge. However, it’s not an impossible thing to do. If you make the opening impressive, you include relevant information, you make it readable, and you format it right, you’ll be on the right track. If you get stuck, you can always get help. The important thing is to get this done and apply for that job you’re after!</span></span></span></div>
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<span style="color: #990000; font-family: inherit;"><i>Author Bio:</i></span><br />
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<div style="text-align: justify;">
<span style="color: #990000; font-family: inherit;"><i>Brandon Stanley is a professional independent journalist. He is interested in writing articles concerning career and education. Follow him on <a href="https://twitter.com/brandon20stan" target="_blank">Twitter.</a></i></span><br />
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<br />Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com18tag:blogger.com,1999:blog-2030247462978742260.post-26419695093647387412017-12-19T12:33:00.000+08:002017-12-21T09:52:57.993+08:00Which Investment is Best for You?<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNwnbhAh5KiI-pMSiiffFfBN_BOWSwlMTxXFyJzpCctv5ZqCoHpM9u-RN_VEhWw9Jtr0DEGt7CaxAhJOYp5KvtcS6kg_pDG_6Cw4sa647vno9AMOdwXQ5LUw7JdKEfOk-tnk1sFrqlwqs_/s1600/invest_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="What is the best Investment" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNwnbhAh5KiI-pMSiiffFfBN_BOWSwlMTxXFyJzpCctv5ZqCoHpM9u-RN_VEhWw9Jtr0DEGt7CaxAhJOYp5KvtcS6kg_pDG_6Cw4sa647vno9AMOdwXQ5LUw7JdKEfOk-tnk1sFrqlwqs_/s320/invest_head.jpg" title="" width="200" /></a></div>
The are many ways to grow your money. It's just a matter of knowing which among these opportunities would best help you meet your targets. That's why one of the most important advise you'll get before starting is to always consider your plan, target and timeline. <br />
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Identifying these three is very crucial in deciding which investment vehicle will make most sense to you.<br />
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One of the most common mistake when people decide about investing is that they always look first with how much money or gain will they make. So when the returns fall short of their expectations, they are easily discouraged and subsequently look for another one.<br />
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Your plan, target and timeline are important because they would give you a clear entry and exit points. You should plan when to invest, how much, how long and how often. You should also have a clear target of how much your target is, be it on gain or total invested amount. <br />
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Where do you plan to use the money? Are you planning to buy a franchise worth P100,000? Do you simply want more financial security for your golden years? Are you a passive or active investor? Are you okay with letting other people manage your money for smaller gains or are you more aggressive in doing it on your own, including the risks? These are only some of the questions that you need to ask yourself.<br />
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Once you're ready with your plans, target and timeline, it's time to learn more about the different investment options that are available. Here they are..<br />
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<span style="font-family: inherit;"><strong><span style="color: navy;">PERA</span></strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">The Personal Equity Retirement Account (PERA) is a voluntary savings and investment account that is primarily intended for, obviously, retirement. <span style="font-family: inherit;">Note that you may only invest up to P100,000 per year (P200,000 for OFWs). </span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgd7XSKC34CgHhhdoXozIaXoZeIgYW__ALulpuBH36pHFTEOcqNECKIvjN5S70RFwmLhnFpSUBRxx1qnQGImutSrVqscB6YYp62qjqkGF2RDb3G5G0BJ1rqnODHPSZD56elVoN0GDdCUJVk/s1600/PERA.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="PERA" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgd7XSKC34CgHhhdoXozIaXoZeIgYW__ALulpuBH36pHFTEOcqNECKIvjN5S70RFwmLhnFpSUBRxx1qnQGImutSrVqscB6YYp62qjqkGF2RDb3G5G0BJ1rqnODHPSZD56elVoN0GDdCUJVk/s320/PERA.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;">While the earnings may not be as high when compared with the other investment options included in this list, rest assured that it will earn better than that of a regular savings account. That's because the money will also be invested and regulated by the government. But as a bonus, the income you'll earn from your PERA account is exempted from tax (provided you withdraw at age 55 and beyond).</span></span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"></span></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="color: black;"><span style="font-family: inherit;"><span style="color: navy;"><strong>PAGIBIG MP2</strong></span></span></span></span></span></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="color: black;"><span style="font-family: inherit;"><span style="color: navy;"><span style="color: red; font-family: inherit;"><span style="color: black;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="color: black;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="color: black;"><span style="color: black; font-family: inherit;">The Modified PAG-IBIG 2 (MP2) program is an optional savings scheme (5 years, renewable), designed to provide PAG-IBIG I members with another savings option that would grant them with higher earnings than those given under the PAG-IBIG I membership program. </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkrS9YC18Rk37FKMfdt6_BI5xHX42hScHahjWR0KMOOXAILL8pkEmlQzcJezrC1Sg6sDbfmVLoxT3J9cpx2UHD3BKU-EHaL_126JW4W_n7LNpamG2uIRoadNAR8etXHvqQXzXmpqI0U84a/s1600/PAGIBIG.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="PAGIBIG MP2" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkrS9YC18Rk37FKMfdt6_BI5xHX42hScHahjWR0KMOOXAILL8pkEmlQzcJezrC1Sg6sDbfmVLoxT3J9cpx2UHD3BKU-EHaL_126JW4W_n7LNpamG2uIRoadNAR8etXHvqQXzXmpqI0U84a/s320/PAGIBIG.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<span style="color: black;"><span style="font-family: inherit;">Therefore, you must be an existing PAG-IBIG I member in order to avail the MP2 program. One notable feature of this program is that the contributions and earnings are guaranteed by the government. Find out more about PAGIBIG MP2 program <a href="http://www.pagibigfund.gov.ph/pop/mp2.htm" target="_blank">here.</a></span></span></div>
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<span style="color: black;"><span style="font-family: inherit;"></span></span> </div>
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<span style="font-family: inherit;"><strong><span style="color: navy;">Stock Market</span></strong><br />
The stock market, as tricky as it may sound, is simply a platform where you can buy shares of known, big companies in the country. The logic on how you'll earn is quite simple as well: buy low, sell high. </span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghIQPX2Txa4IB_vLWNncww-YGV9PVbaILZi55jjr1RdBkH3j5f94Exj7c3pbyPS7ubJZZf-FJgcIgNEDb3uRMFeqnw7kYOLrguBt_294IhFNMA5Im8YS95bbWOqNG4WoaOlZ9pefYTexJf/s1600/Stock_Market.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Stock Market" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghIQPX2Txa4IB_vLWNncww-YGV9PVbaILZi55jjr1RdBkH3j5f94Exj7c3pbyPS7ubJZZf-FJgcIgNEDb3uRMFeqnw7kYOLrguBt_294IhFNMA5Im8YS95bbWOqNG4WoaOlZ9pefYTexJf/s320/Stock_Market.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">The good news is that you don't need a broker or physically go to a company you wish to buy shares from. You just need to open an account with an online broker, fund your account and start buying shares! A simple and detailed explanation for beginners can be found <a href="http://www.pisoandbeyond.com/2014/01/a-complete-idiots-guide-to-stock-market.html" target="_blank">here.</a></span></div>
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<span style="font-family: inherit;"><span style="color: black;"><span style="font-family: inherit;"><span style="color: navy;"><strong>Mutual Funds / </strong><strong>UITF</strong></span></span></span></span></div>
<span style="font-family: inherit;">A Mutual Fund is basically an investment company that pools together money from different investors and invests them in the stock market, government securities and other investment options available to the public. </span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhlI9UvO0w3cqc9WEUaUJriP3oKti3htvMcgRO0tv3TSAsY1R34W9ClcraQNbA-umcyCuk2sZ6UbghPpg71Jh5NVtbKyY2BmgSTxuu_BD_eTdeqLl4w9Kk-5F4HqtxocUn_dn3FYelJgqzu/s1600/mutual_funds.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Mutual Funds / UITF" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhlI9UvO0w3cqc9WEUaUJriP3oKti3htvMcgRO0tv3TSAsY1R34W9ClcraQNbA-umcyCuk2sZ6UbghPpg71Jh5NVtbKyY2BmgSTxuu_BD_eTdeqLl4w9Kk-5F4HqtxocUn_dn3FYelJgqzu/s320/mutual_funds.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">If you want to invest in the stock market but you have no feel for trading or deeper study of it, mutual funds is a safe choice. Unlike in the stock market where you directly invest and do it yourself, there are professional fund managers that will do the work for you. <span style="font-family: inherit;">These funds are being managed by professional fund managers, people whose job is to study the market and all kinds of investment instruments. You can learn more about Mutual Funds (and UITF) <a href="http://www.pisoandbeyond.com/2014/04/understanding-mutual-funds.html" target="_blank">here.</a></span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><strong><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><strong><span style="color: navy;">VUL</span></strong></span></span></strong></span></span></span></div>
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Variable Universal Life (VUL) is a type of life insurance that carries both a death benefit and an investment feature. The investment feature works almost the same with mutual funds, which allows the policy holder to also choose the fund type of the investment feature. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6Zn-HDqRGm6-fMGTuxUC55AlvxmnEcjGl4Dld-le2nlyLeuk4Ci8enArBIHJSfZ3kTt8RWj1VVme7cnHI7GDY9Zpyn_AHenQSIQ5knQ2zz8Be4tuXOpGf66u8tJcmTwPkizveXnD5SMTO/s1600/VUL.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="VUL" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6Zn-HDqRGm6-fMGTuxUC55AlvxmnEcjGl4Dld-le2nlyLeuk4Ci8enArBIHJSfZ3kTt8RWj1VVme7cnHI7GDY9Zpyn_AHenQSIQ5knQ2zz8Be4tuXOpGf66u8tJcmTwPkizveXnD5SMTO/s320/VUL.jpg" title="" width="320" /></a></div>
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<span style="color: black;">One major advantage of VUL over traditional term insurance is that if the policy holder is still alive after the maturity date of the policy, he or she receives the invested money based on how the fund performed. The disadvantage is that getting a VUL is more expensive than getting a term insurance.</span><br />
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<strong><span style="color: navy; font-family: inherit;">Franchising</span></strong></div>
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<span style="font-family: inherit;">Franchising is probably the most popular option on this list due to its high demand and awareness of the public. People are enticed by the idea of running a business with a proven system on their own. Simply put, a franchise is a license or permit that allows the franchisee the use of, but not limited to, the system, trademarks and sell the products or services of the franchisor. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKr56MxM5tOYyPDZ1VGUH9rHRd0hBtg4s0SdfUsygoFLdJfVZciY64c1ugpoMnq9bhXNDOYcv8UCct0xHfiRtMaCm3F2kQtljI3GlsI24GDRqzhfOXAoDwTWb5OzUigtIDwN2vc5b13ogZ/s1600/franchise.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Franchising" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKr56MxM5tOYyPDZ1VGUH9rHRd0hBtg4s0SdfUsygoFLdJfVZciY64c1ugpoMnq9bhXNDOYcv8UCct0xHfiRtMaCm3F2kQtljI3GlsI24GDRqzhfOXAoDwTWb5OzUigtIDwN2vc5b13ogZ/s320/franchise.jpg" title="" width="320" /></a></div>
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However, getting a franchise does not automatically translate to success or fortune. There have been numerous failures among franchisees, especially when they really don't understand what they're getting into. There are pros and cons in getting a franchise or simply starting your own. But the most basic advise is to only get a franchise with an already popular and stable business. Some people simply get a franchise because it's cheap, and that's very wrong! Why not create your own instead?<br />
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The advantage of getting a franchise is that you're saved from all the headaches of what the usual start-up company is required. Company name, logo, marketing, product development, permits, training, hiring, and a long list of to-dos go on. With a franchise, you'll simply pay, attend the training, find a location, get your crew and that's it. They'll even assist you on your opening day and marketing! <br />
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However, you're not allowed to sell other products or change the pricing. Some also require loyalty fees which you have to pay on top of the initial investment you paid, while most franchisors also collect renewal fees every three or five years.</div>
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<span style="font-family: inherit;"><span style="color: black; font-family: inherit;"><span style="font-family: inherit;"><strong><span style="color: navy;">Cooperative</span></strong><br />
A cooperative or simply coop, is an association of people who voluntarily cooperate for a mutual benefit. It typically runs one or more businesses that are owned and managed by the members of the coop themselves. In short, it's a jointly owned enterprise engaging in the production or distribution of goods or the supplying of services, operated by its members for their mutual benefit. Coops are regulated by the government body called Cooperative Development of Association (CDA).</span></span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXk86tE1kIGO4YMz0HK9QjKT-dGB65eINO-jZBQdKs_cgGhR_u6oUGseOOBpJ0o0FfB6U-VRtX_xvrc3DMv1iHW_XGvAHwsLYpZRBRQatrKH5mCeRWS8I8tXYWbbmXZOGyAsGOsqe4yhBF/s1600/cda.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Cooperative" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXk86tE1kIGO4YMz0HK9QjKT-dGB65eINO-jZBQdKs_cgGhR_u6oUGseOOBpJ0o0FfB6U-VRtX_xvrc3DMv1iHW_XGvAHwsLYpZRBRQatrKH5mCeRWS8I8tXYWbbmXZOGyAsGOsqe4yhBF/s320/cda.jpg" title="" width="320" /></a></div>
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There are different types of cooperative and many cooperatives registered under that type. Just be sure to check if it's registered at CDA. Also, the earnings and rates varies from one coop to another, so the best way to find out more about a specific cooperative is to attend their Pre-Membership Seminar (PMES) which is a mandatory requirement before you can join one. You can read the basic things you need to know about cooperatives <a href="http://www.pisoandbeyond.com/2015/09/cooperatives.html" target="_blank">here.</a></div>
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<span style="font-family: inherit;"><strong><span style="color: navy;">Crowd Funding</span></strong></span></div>
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<span style="font-family: inherit;">Crowd Funding has the same concept of a cooperative. You buy shares or fund a percentage of a certain business and <em>co-own</em> that business. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEio34XPOYhtVA4BQe4vQv3JtNbYd6ePSH3k_APSuXiJPTVPHgXoEIFin46VTD3dxXOcsS1WevoQcE6zk6L6-6at5sHA5YqlqnkSqAwvinUsXTaIKUTXwAugb88HD9e_6pmjpmbZhwVtWaBf/s1600/crowdfunding.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Crowdfunding" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEio34XPOYhtVA4BQe4vQv3JtNbYd6ePSH3k_APSuXiJPTVPHgXoEIFin46VTD3dxXOcsS1WevoQcE6zk6L6-6at5sHA5YqlqnkSqAwvinUsXTaIKUTXwAugb88HD9e_6pmjpmbZhwVtWaBf/s320/crowdfunding.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">For example, I wanted to open a 7/11 franchise, which costs 1 million pesos, but I only have P500,000 on my savings. Instead of applying for a loan and pay high interest rates, I can find other people who are willing to invest their money on my proposed plan, which is to open a 7/11 store. Of course, we'll share both the profits and the risks. But the good thing is that I will manage the business, while you just wait for your earnings.</span></div>
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<span style="font-family: inherit;"> </span></div>
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<span style="color: red; font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="color: black;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: navy;"><strong>Agri-Business </strong></span></span></span></span></span></span></span></span></div>
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<span style="font-family: inherit;">More popularly known as online <em>pa-tanim</em> or<em> pa-iwi </em>program, this type of investment creates a win-win scenario for both investors and farmers. It's basically the typical “pa-iwi” program where you fund a certain project, such as raising a goat or planting crops, and the farmer takes care of the rest.<span style="font-family: inherit;"> The profit is then divided between you and the farmer on a mutually agreed percentage. </span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMMpXRy3xfp-GraZ7cl0gKJyPqqgGA10Hk3qjf181vD_2lUeOut7y1CT87FwX3POe9xrTkey7NxPI-d6kK1l_v5ggm9fIsZkz2N6qafUjN8cBb9l-ngabA1INOQdj4A0goJU9s8V3Ve8GQ/s1600/agri.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Agri-Business" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMMpXRy3xfp-GraZ7cl0gKJyPqqgGA10Hk3qjf181vD_2lUeOut7y1CT87FwX3POe9xrTkey7NxPI-d6kK1l_v5ggm9fIsZkz2N6qafUjN8cBb9l-ngabA1INOQdj4A0goJU9s8V3Ve8GQ/s320/agri.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;">Imagine that same scenario, only this time, using an online platform. It will eliminate the need for you to physically visit the farm before, during and after harvest since you can monitor everything from your online account.</span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"></span></span> </div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><strong><span style="color: navy;">Cryptocurrency</span></strong></span></span></span></span></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: black;">Arguably the option with the highest risk in this list due to its high volatility, more and more people start to catch up with the Crytocurrrency mania. There has been quite a lot of fuzz going on about Cryptocurrency, particularly Bitcoin. For some, they say that the Cryptocurrency is the next big thing in the financial world. While skeptics see it as another bubble, waiting to explode as it is not backed by anything. </span></span></span></span></span></span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: black;"></span></span></span></span></span></span></span> </div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: black;">In countries that accept it, you can buy groceries and clothes just as you would with the local currency. You can use it as a form of payment for your online transactions the way you do with online banking. The notable difference, of course, is that Bitcoin (or any form of Cryptocurrency) is entirely digital. Meaning, no one is carrying actual Bitcoins in their pocket. There have already been numerous articles that best explains what Cryptocurrency is and why you should or not invest on it. </span></span></span></span></span></span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: black;"></span></span></span></span></span></span></span> </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8IaoDFGFpRE9pTo0rfvMbfZvOc9eKdcRi7bfWy4vvTrPuwSyrD3LimpePaID284cqjKyKikHgJzxa9nR99JE7fXMJ0fZ9UnDKRWbpUg1sOFx1NyQsPymdxdCUKg5rQCkSb5I16vO14iez/s1600/Bitcoin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Cryptocurrency" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8IaoDFGFpRE9pTo0rfvMbfZvOc9eKdcRi7bfWy4vvTrPuwSyrD3LimpePaID284cqjKyKikHgJzxa9nR99JE7fXMJ0fZ9UnDKRWbpUg1sOFx1NyQsPymdxdCUKg5rQCkSb5I16vO14iez/s320/Bitcoin.jpg" title="" width="320" /></a></div>
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There are 2 ways to earn money: (1) mining and (2) trading. Mining involves solving some heaven-knows-what-algorithm-is-it problems where you are rewarded for doing so. There are 2 ways to do mining: (1) via cloud and (2) setting-up your own hardware. Trading is just like how the stock market works, you buy digital money using your real money, hope it gets high, and you sell to take profits.</div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: black;">As with any form of investment, never put your money on something you don't truly understand. Don't invest only because your friends are doing it.</span></span></span></span></span></span></span><br />
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><strong><span style="color: navy;">Real Estate</span></strong></span></span></span></span></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: navy;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: black;">This option needs the least explanation as it's already a popular and relatively old way to earn money. Of course, there are two major ways to earn through real estate investing: (1) buying a property, develop it and sell for a higher price and (2) buying a property and have it leased or rented. An important addition to what you may already know is that there are actually three broad categories of real estate (based on its use): residential, commercial and industrial. Residential include undeveloped land, houses, condominiums and town houses. Commercial include office buildings, warehouses and retail store buildings. Industrial include factories, mines and farms.</span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBCkgNWmX64UQIGHF4QelUaSPLoE9R5sABzlSQlIMQaLiZQukvX6dqD8fdbNhtuxHk_a4UAFz6MVCl3PO0OG38ZLn87wWIsxQI_I1Hz_UCWxEfPZ8j-_AKDuRLtg_avfLGUqteHiRVgtbW/s1600/real_estate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Real Estate" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBCkgNWmX64UQIGHF4QelUaSPLoE9R5sABzlSQlIMQaLiZQukvX6dqD8fdbNhtuxHk_a4UAFz6MVCl3PO0OG38ZLn87wWIsxQI_I1Hz_UCWxEfPZ8j-_AKDuRLtg_avfLGUqteHiRVgtbW/s320/real_estate.jpg" title="" width="320" /></a></div>
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But contrary to what many think that real estate investing requires huge capital, some investors are actually making money out of zero to little capital. How? They'd find a good property, loan an amount for paying the upfront, and have it rented. Some claim that the rental fee would sometimes cover not only the monthly amortization of the unit but also the monthly fee of the loaned amount used for paying the downpayment. Of course, this method requires serious study and probably, years of experience in real estate.<br />
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><strong><span style="color: navy;">Forex</span></strong></span></span></span></span></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: black;">The concept of trading and making money from Foreign Exchange, or simply “Forex”, is similar on how the stock market works. You buy at a price then sell for profit. The notable difference is that instead of trading shares of a company, you trade money. Yes, Forex trading is where the currency of one country is traded for that of another, having the US Dollar (USD) as the most commonly traded currency pair. </span></span></span></span></span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzlCneC8Bg3ATlw2w_xhz6yHGMb8zBp47zt-tarDEzngJcSA6QNAWuCntotb1ij2ZrclmB_YB8ktywZkJQSvUz2GtCZDw75fHiiOxDHFJR-gkiRIsRBiGjGQZiU8CLXIRvrJCkOCoJgtjO/s1600/forex.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Forex" border="0" data-original-height="251" data-original-width="495" height="162" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzlCneC8Bg3ATlw2w_xhz6yHGMb8zBp47zt-tarDEzngJcSA6QNAWuCntotb1ij2ZrclmB_YB8ktywZkJQSvUz2GtCZDw75fHiiOxDHFJR-gkiRIsRBiGjGQZiU8CLXIRvrJCkOCoJgtjO/s320/forex.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: red; font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: black;">Forex trading is always traded in pairs. The most common currency pairs are the Euro Dollar (EUR/USD), British Pound (GBP/USD) and Japanese Yen (USD/JPY).</span></span></span></span></span></span></span><br />
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<strong><span style="color: black;">Your Turn</span></strong></div>
If you have other investment ideas you'd like to share, please let us know in the comments section!</div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com55tag:blogger.com,1999:blog-2030247462978742260.post-24262507243603348622017-12-12T12:29:00.000+08:002017-12-19T08:58:01.320+08:008 Ways to Beat Procrastination<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifMvKTNFd-bbHklbhbGup7RsjMhm2c3o7k8CcursHtq7pvAxdpnSIuD5bNlO517G6oyzpjgeNIkfs65sCwHYw_qI_7laQLyHJxdCcRTpx-BUaEBkoA8vfMtt9Xes_-WzmawVGm2s36DgKr/s1600/procrastinate_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="8 Ways to Beat Procrastination" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifMvKTNFd-bbHklbhbGup7RsjMhm2c3o7k8CcursHtq7pvAxdpnSIuD5bNlO517G6oyzpjgeNIkfs65sCwHYw_qI_7laQLyHJxdCcRTpx-BUaEBkoA8vfMtt9Xes_-WzmawVGm2s36DgKr/s320/procrastinate_head.jpg" title="" width="200" /></a></div>
<span style="font-family: inherit;">Many people struggle with procrastination not knowing the serious consequences it would cause in the long run. Procrastination is a state of mind in which you are not able to get the task done or even start dealing with it, which can jeopardize your productivity.</span><br />
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<span style="font-family: inherit;"><span style="font-family: inherit;">The problem is so widespread that <a href="https://brandongaille.com/17-lazy-procrastination-statistics/" target="_blank">more than a quarter of people</a> claim to be chronic procrastinators nowadays.</span></span><br />
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<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">If you feel like being a member of this group, you should really begin thinking about the ways to get rid of this habit. In this article, we will show you how to finally beat procrastination and get things done.</span></div>
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<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;">While there are dozens of useful ways on how to fight and eliminate procrastination, we picked the top 8 methods which proved to deliver the best results:</span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;"><span style="color: navy; font-family: inherit;"><strong>1. Work in smaller phases</strong></span></span></span></span></div>
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<span style="font-family: inherit;"><span style="font-family: inherit;">Most people look at their duties as huge piles of work and don’t really know how to approach such tasks. What you should do in this case is to divide a big task into several smaller stages of work. This way, it will be much easier for you to advance and track progress.</span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="font-family: inherit;">For instance, a blogger who writes around 1,000 words each day might feel terrified of writing a 200-page book. What this blogger doesn’t realize is that books consist of numerous smaller chapters, which is something he/she can write on a daily basis. Therefore, you shouldn’t focus on books in your work – focus on chapters instead.</span></span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjynWNt5CCIxwu7Vdmg1O1xLRmfbBr-lAzVHWPSManoO71d_6DzdZT-i5U7dAscvby9YEXQNDkGcUBhixb58WUXVB_U3wBZJMciADA5r_TB_2iGwKUz7VLY4NrrhyzNrX5pgMTrhBb2SCnx/s1600/write_chapters.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Work in smaller phases" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjynWNt5CCIxwu7Vdmg1O1xLRmfbBr-lAzVHWPSManoO71d_6DzdZT-i5U7dAscvby9YEXQNDkGcUBhixb58WUXVB_U3wBZJMciADA5r_TB_2iGwKUz7VLY4NrrhyzNrX5pgMTrhBb2SCnx/s320/write_chapters.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><strong><span style="color: navy;">2. Let your friends or team know about it</span></strong><br />
Experts often recommend some sort of psychological trigger in anti-procrastination therapies. One of those triggers is very simple: let your friends know that you are working on this important project. Why would you do something like this? You’ll do it so that your friends can remind you of due dates and jobs you still didn’t complete. They give you an extra motive to finish everything, while you would feel embarrassed in case you don’t fulfill their expectations.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzXyafa_Tk5ZXozRH6Glt2iDqgS86m1izbmDIEADEemiJug-a5-6Z-gWqk09SeKf9N6_oS8KZGvrOBIZgH1LR8EzkCG9wocLre2FWToREdkqcChh4v6zv0s2PY6miXXKpDZxizmWE4y0Zi/s1600/friends.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Let your friends know about it" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzXyafa_Tk5ZXozRH6Glt2iDqgS86m1izbmDIEADEemiJug-a5-6Z-gWqk09SeKf9N6_oS8KZGvrOBIZgH1LR8EzkCG9wocLre2FWToREdkqcChh4v6zv0s2PY6miXXKpDZxizmWE4y0Zi/s320/friends.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><strong><span style="color: navy;">3. Establish daily routine</span></strong><br />
Another way to stop procrastinating is to establish your daily work routine. Start slowly but be persistent – focus on your duties at least two hours early in the morning and then extend this period gradually. Soon enough you will realize that you got used to the new regime and the two-hour effort will become a four-hour effort in only a few weeks. Although it seems counter-intuitive, the daily routine is often a <a href="https://www.bustle.com/articles/148246-7-benefits-of-a-solid-daily-routine" target="_blank">genuine productivity booster</a>, so make sure to establish your own system as soon as possible.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0C7MrxMjDpUadt6JOaPVa71FxtNJsGrCMMuHDoJQCmKJz8wByMdARtFg7AhkT387SN1gtCaAM3V4PYvDw3JoHzacPc-azLnzV6cJH-yr1JyqHu7dIuxowfyQfWFe4lVu0vsNa43-6NMJi/s1600/checklist.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Establish daily routine" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0C7MrxMjDpUadt6JOaPVa71FxtNJsGrCMMuHDoJQCmKJz8wByMdARtFg7AhkT387SN1gtCaAM3V4PYvDw3JoHzacPc-azLnzV6cJH-yr1JyqHu7dIuxowfyQfWFe4lVu0vsNa43-6NMJi/s320/checklist.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><strong><span style="color: navy;">4. Eliminate distractions</span></strong><br />
Every time you start doing your job, something pops up and ruins your plans for the day. Sounds very familiar, doesn’t it? It could be your favorite TV show, a Viber message, or a Facebook notification. All these things inspire procrastination and you need to neglect them. The most important thing here is to detect what it is that usually gets you off the track. Once you’ve learned this, you can eliminate distractions. Turn off the TV, silence the messaging apps, and start working. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivBj8Lh_fIMRBpe0m1F3do06voPIE53JPHrkBXqzvPzmb8xB9ZkVqnru80YovFFGSoKr0CV3bqCw3AiLY7dG82uPeqg7QK0hBugibxTX1IquIBANJSIQARXri1-fJz_4j88iryGvqU9F21/s1600/distractions.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Eliminate distractions" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivBj8Lh_fIMRBpe0m1F3do06voPIE53JPHrkBXqzvPzmb8xB9ZkVqnru80YovFFGSoKr0CV3bqCw3AiLY7dG82uPeqg7QK0hBugibxTX1IquIBANJSIQARXri1-fJz_4j88iryGvqU9F21/s320/distractions.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><strong><span style="color: navy;">5. Visualize the finish line</span></strong><br />
We all dream about professional success and imagine what it would feel like to fulfill our goals. If you are a procrastinator, just try to visualize the finish line and enjoy an imaginary success for a while. Promise yourself a little reward after project completion and you’ll get one more motive to beat procrastination. Some people consider this method to be the most efficient source of productivity.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjj_X9zRa_zTEeFhW-Ebv58W6HJwcv4SXlFIKNHAx90q6EmtkYJAEcFW4z0ZiBBCBHTpEb94V5RN0gRPVFKzy434P4HK1M8PjaEyaAwjBpMd2Zd1kJNTztwB8VfIos7qCfVkJLsKNZ8vedF/s1600/visualize.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Visualize the finish line" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjj_X9zRa_zTEeFhW-Ebv58W6HJwcv4SXlFIKNHAx90q6EmtkYJAEcFW4z0ZiBBCBHTpEb94V5RN0gRPVFKzy434P4HK1M8PjaEyaAwjBpMd2Zd1kJNTztwB8VfIos7qCfVkJLsKNZ8vedF/s320/visualize.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><strong><span style="color: navy;">6. Visualize costs</span></strong><br />
If you are not exactly the kind of person who gets turned on by success, you can try doing the opposite: imagine what it would cost you to fail. According to the recent study, more than <a href="http://www.mytimemanagement.com/procrastination-statistics.html" target="_blank">40% of people</a> have experienced financial loss due to procrastination, which is more than enough to make you think about negative repercussions of your laziness. And once you think about it, you will probably realize that it’s much better to get the job done after all. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnxCF6urTYpX2IoWRjBBTmkg5VxY7nQC-cTVPXGHDY8mrijX_pDQImxqN0jufzH0n5IIi7BzCO1zNljRE991Nx9Tc3Yxz0_1fOftubdyz4RavxbzDnZd71-WESgtlj9z194obCP1BPdQnU/s1600/fail.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Visualize costs" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnxCF6urTYpX2IoWRjBBTmkg5VxY7nQC-cTVPXGHDY8mrijX_pDQImxqN0jufzH0n5IIi7BzCO1zNljRE991Nx9Tc3Yxz0_1fOftubdyz4RavxbzDnZd71-WESgtlj9z194obCP1BPdQnU/s320/fail.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><strong><span style="color: navy;">7. Forget multitasking</span></strong><br />
Multitasking is by far the best way to end up doing nothing at all. It is usually a consequence of poor planning, which means that you need to create a feasible schedule of activities before you get to work. But even if you don’t have enough time to do everything, you should avoid multitasking. Instead, determine priorities and do one thing at the time. Don’t think about the next task before you complete the current one or else you will lose focus and begin procrastinating again. </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9OsjW8QYnAcCr62ZfBpMp1tLyg1QCUAuK1NvUhSrlMBay0l_pbDyt9Q2NzWinRHYEFt55ud1gSinBW8yn1ElTESTCjx9hckAgU09OcRXpfZRg8rA4_nPilhJv_ryhsYkSnt7kOVlOLmmM/s1600/multitask.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Forget multitasking" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9OsjW8QYnAcCr62ZfBpMp1tLyg1QCUAuK1NvUhSrlMBay0l_pbDyt9Q2NzWinRHYEFt55ud1gSinBW8yn1ElTESTCjx9hckAgU09OcRXpfZRg8rA4_nPilhJv_ryhsYkSnt7kOVlOLmmM/s320/multitask.jpg" title="" width="320" /></a></div>
<span style="font-family: inherit;"><strong><span style="color: navy;"></span></strong></span><br />
<span style="font-family: inherit;"><strong><span style="color: navy;">8. Look for help</span></strong><br />
Okay, we admit that it’s not easy to convert a full-time procrastinator into the super productive employee. For this reason, we suggest you look for help, at least at the beginning of this process. It can be a study partner or a colleague. This is the person who should encourage you to keep going when all you want to do is give up. After a certain period of collaboration, you should feel ready to continue on your own – and we wish this moment will come sooner than later!</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiabdm3Et0qALohtiS-NHN9LXaj3P5agU5O2PHMNn6_y8kWQPQkngXWtRU6QZBu97N0hJkkwJfql0mOHX3x5HnS6398f7GTibjyxkBwvxYUHRN6Fw0yF8L_NGCVR4IUEKDRNOQH1Jv7vZgO/s1600/get_help.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Look for help" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiabdm3Et0qALohtiS-NHN9LXaj3P5agU5O2PHMNn6_y8kWQPQkngXWtRU6QZBu97N0hJkkwJfql0mOHX3x5HnS6398f7GTibjyxkBwvxYUHRN6Fw0yF8L_NGCVR4IUEKDRNOQH1Jv7vZgO/s320/get_help.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;"><strong><span style="color: navy;"></span></strong></span><br />
<span style="font-family: inherit;"><strong><span style="color: navy;">In Conclusion</span></strong><br />
Procrastination takes serious effort to get over it successfully. In this article, we showed you 8 ways to deal with this issue and get the job done on time. Feel free to use our suggestions and let us know in comments if you know about other methods to beat procrastination.</span><br />
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<span style="color: #990000; font-family: inherit;"><i>Author Bio:</i></span></div>
<div style="text-align: justify;">
<span style="color: #990000; font-family: inherit;"><i>Eva Wislow is a career coach and HR Executive at CV writing service CareersBooster.com. She maintains a strong interest in bringing the digital revolution in human resources. Eva has a degree in Psychology and she is focusing on helping people discover their true calling. Follow her on <a href="https://twitter.com/EvaWislow" target="_blank">Twitter.</a></i></span><br />
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com10tag:blogger.com,1999:blog-2030247462978742260.post-57670406484575924872017-12-05T12:14:00.000+08:002018-06-26T09:16:10.297+08:00Starting a Softdrinks Dealership Business<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAo1Afys3MdZfKLnxUpJwniYdceEf2ZwptJxFEDqAcPVeGYL3fI7suvS0wwwPylRahRPvPSktAMzRd1QPy0RkWidx6-nW3mQGSqMvykgTHGqy3wPNfeWGMKA4aTgAy9Nkjq6ndZHxgdszn/s1600/biz_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="How to Start a Softdrinks Dealership Business" border="0" data-original-height="631" data-original-width="1201" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAo1Afys3MdZfKLnxUpJwniYdceEf2ZwptJxFEDqAcPVeGYL3fI7suvS0wwwPylRahRPvPSktAMzRd1QPy0RkWidx6-nW3mQGSqMvykgTHGqy3wPNfeWGMKA4aTgAy9Nkjq6ndZHxgdszn/s320/biz_head.jpg" title="" width="200" /></a></div>
<span style="font-family: inherit;">Most business advise would start from telling you about the location and the amount of capital that you'll need, and they were for good reasons. </span><br />
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">Starting a softdrinks (and beer) dealership business, of course, is no exemption. But aside from the location and money, you'll also need a ton of patience, hardwork and a lot of network. </span><br />
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To save you time from learning the basics of running this kind of business, allow me to teach you as much as I can in this article.<br />
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Please note that everything you're about to read are all based on the author's years of personal knowledge and experience from managing a softdrinks and beer dealership (wholesale, retail and delivery) business.<br />
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<span style="color: navy;"><strong>Market Saturation</strong></span></div>
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At some point, I'm sure you've already heard or will be hearing a lot of this, “Naku, marami nang nag-gaganyan sa'tin.” True enough, when we started our softdrinks business, there were a lot of discouraging thoughts that we naively entertained, particularly those about our market already being saturated. But we refused to let go of our idea and pushed on! Indeed, you need to be stubborn and positive to get what you want in today's world full of “Naku, baka malugi ka. Buti pa ganito nalang.”<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzE8j4C3sbv3Eg-eQF3OtCJbRasXdpbjO84ndTagT2Ju9wMv5-PUO0H0hmM3AOFSFJkFviuwYcSt8hDEggEinwW1dmLQj8tqENpZ60kocZxRuFgOJCmMGDt77VQsobt_7Sx498pc-0JZvS/s1600/saturated.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Market saturation in softdrinks business" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzE8j4C3sbv3Eg-eQF3OtCJbRasXdpbjO84ndTagT2Ju9wMv5-PUO0H0hmM3AOFSFJkFviuwYcSt8hDEggEinwW1dmLQj8tqENpZ60kocZxRuFgOJCmMGDt77VQsobt_7Sx498pc-0JZvS/s320/saturated.jpg" title="" width="320" /></a></div>
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But that's not to say that you just carry on without doing your homework. We pushed on with our plan because we studied the market and did some risk analysis. We started from an initial twenty thousand peso capital and grew the business steadily. Fast forward today, the business is still thriving, thanks to our commitment to grow our entrepreneurial spirit and the business.</div>
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<span style="color: navy; font-family: inherit;"><strong>Know your suppliers</strong></span></div>
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This would have to be your very first step when you've finally decided that you really wanted to do this kind of business. Normally, big companies (such as San Miguel Brewery) only allow one direct dealer per town or municipality. So the first thing you should take a look at is if there's already an existing dealer for the brand in your place. There's a very slim chance that your area has no direct dealer of SMB yet, so if this is the case, then start as soon as you can! However, if there's already one, then that means you can only apply to become a sub-dealer of that particular brand. In short, instead of the mother company directly dealing with you, their dealer will accommodate you. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZCeJyKu5WhTAAg-C5UdLVcqZdiOwtd4P4OZ8oiZBxNyE7pmV8qzWAgwlWUD9hupwp9JxlVEdL5lbZkF5guiNmAkCOAKvpV_kReFnYevV8Ji3P4Iu5VwVW6c4eBjGAwlqpoAu8acCXwhDr/s1600/beer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="San Miguel warehouse" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZCeJyKu5WhTAAg-C5UdLVcqZdiOwtd4P4OZ8oiZBxNyE7pmV8qzWAgwlWUD9hupwp9JxlVEdL5lbZkF5guiNmAkCOAKvpV_kReFnYevV8Ji3P4Iu5VwVW6c4eBjGAwlqpoAu8acCXwhDr/s320/beer.jpg" title="" width="320" /></a></div>
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You also need to consider the terms of the supplier. Some are OK with mixing-up their products with other brands, while others are more strict and only want you to sell their products exclusively. From my personal experience, don't go into such terms, because you need to sell all brands available as possible. Customers would not want to buy Brand A from you and then go to another store to buy brand B (unless the price difference is really big). In addition, the terms of minimum purchase for delivery may vary. Some suppliers require a minimum of 30 cases for them to deliver, while others may require higher.</div>
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<span style="font-family: inherit;"> <strong><span style="color: navy;">Price is King</span></strong></span></div>
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<span style="font-family: inherit;"> As of this posting, here are the prevailing market price (range) of most of the common brands available (drum rolls):</span></div>
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<span style="font-family: inherit;"><strong>Coca-Cola Philippines</strong></span></div>
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<span style="font-family: inherit;">Mismo (Coke/Royal/Sprite/Sarsi/Sparkle) - P108/pack (12)</span></div>
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<span style="font-family: inherit;">Sakto - P112/case (24)</span><br />
8oz. (Sprite/Royal) - P125/case (24)</div>
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<span style="font-family: inherit;">Kasalo (Coke/Royal/Sprite) - P170/case (12)</span><br />
Sparkle Mega - P152/case (12)<br />
Sparkle 8oz. - P125/case (24)<br />
Coke Litro - P224/case (12)</div>
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<span style="font-family: inherit;">PET (1.5L Coke/Royal/Sprite) - P600/pack (12)</span><br />
Wilkins 6L - P78/pc<br />
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<strong>Pepsi</strong></div>
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Pepsi 8oz. - P112/case (24)<br />
Mirinda - P118/case (24)<br />
Mt. Dew 12oz. - P192/case (24)<br />
7Up 12oz. - P192/case (24)<br />
7Up 8oz. - P132/case (24)<br />
Gatorade 8oz. - P210/case (24)<br />
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<strong>Asia Brewery</strong><br />
Cobra - P216/case (24)<br />
Tanduay Ice - P480/case (24)<br />
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<strong>San Miguel Brewery</strong><br />
SMB Pale Pilsen - P590/case (24)<br />
San Mig Light - P658/case (24)<br />
San Mig Apple - P580/case (24)<br />
Red Horse Beer - P410/case (12)</div>
<div style="text-align: justify;">
<strong></strong> </div>
<div style="text-align: justify;">
<strong>RC Cola</strong></div>
<div style="text-align: justify;">
RC Cola 8oz. - P148/case (24)<br />
RC Flavors 8oz. (Fruit Soda, Lemon, Rootbeer, Seetrus) - P148/case (24)<br />
RC Mega (RC Cola, Fruit Soda, Lemon) - P220/case (12)<br />
<br />
Please note that the prices stated here are NOT the SRP or the standard market price for each product. A plus/minus of five to ten pesos is advised.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="color: navy; font-family: inherit;"><strong>Location</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Your location, if not obvious, would play a crucial role in the set-up and success of your business. If you plan to have it in your own place, you need to consider at least two things: </span></div>
<ol>
<li><div style="text-align: justify;">
<span style="font-family: inherit;">the storage area where you can stock at least 50 or more cases and </span></div>
</li>
<li><div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-family: inherit;">free delivery</span></span></div>
</li>
</ol>
<div style="text-align: justify;">
<span style="font-family: inherit;">Since you're not strategically located on a commercial spot, offering free delivery is the way to go in order to boost your sales. <span style="font-family: inherit;">You can do this in three ways: </span></span></div>
<ol>
<li><div style="text-align: justify;">
<span style="font-family: inherit;">do it yourself, to limit your expenses to only gasoline and some other occasional maintenance fees for your vehicle (e.g. flat tires, welding, tune-up, etc.),</span></div>
</li>
<li><div style="text-align: justify;">
<span style="font-family: inherit;">hire someone or</span></div>
</li>
<li><div style="text-align: justify;">
<span style="font-family: inherit;">find a person willing to do business with you in a win-win scenario where he will do the selling and delivery and you'll give him discount. You earn, he earns. The only caveat for this set-up is that he may realize how huge the potential is if he decides to open up his own business instead of just getting the products from you.</span></div>
</li>
</ol>
<div style="text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicOkmJ6ueQEO6BeZbQEKWJJG2L3b7wZnrghPvCwIc5vvMbTsXpXFmASUXocAekFZzSMvInNuuK1F1mQZ-BHxjTlE8LLdPsp7GmTES48FISU3lcnDm7L8KyWvGjYjLKy00JTNby03BB3O7U/s1600/delivery.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Softdrinks Delivery" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicOkmJ6ueQEO6BeZbQEKWJJG2L3b7wZnrghPvCwIc5vvMbTsXpXFmASUXocAekFZzSMvInNuuK1F1mQZ-BHxjTlE8LLdPsp7GmTES48FISU3lcnDm7L8KyWvGjYjLKy00JTNby03BB3O7U/s320/delivery.jpg" title="" width="320" /></a></div>
<span style="font-family: inherit;"><span style="font-family: inherit;"></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;">If you prefer to put up your store in a commercial area, you (most likely) won't need to offer free delivery services anymore. This is because of the high foot traffic that your business will get because it's what you paid for, in the first place. The disadvantages, on the other hand, are higher operational costs for your employees (since you can't do it alone), rental, water and electrical fees.</span><span style="font-family: inherit;"> </span></span><br />
</div>
<div style="text-align: justify;">
<span style="color: navy; font-family: inherit;"><strong>How much you'll need</strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">You may plan to start small and then add more capital as you learn more about the business. You can even go to junkshops or closed stores to find empty cases and bottles that are relatively cheaper compared when you buy them at your distributor. </span><br />
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">Currently, here's what you need to know about the cases: </span></div>
<div style="text-align: justify;">
<ul>
<li>Small cases have 24 bottles each; where a case costs P42 while each small bottle costs P2. Therefore, 1 case with complete empty bottles would cost P42 + (24 x P2) = P90.</li>
<li>Big cases have 12 bottles each; where a case costs P52 while each big bottle costs P4. Therefore, 1 case with complete empty bottles would cost P52 + (12 x P4) = 100.</li>
</ul>
</div>
Now that you have an idea of the actual prices for each product, you may now decide on how much capital you'll be needing for you to start. To make it graphic, here's a sampler:<br />
<br />
-----------------------------<br />
<span style="color: red;"><strong>Sample Computation 1</strong></span><br />
-----------------------------<br />
<br />
*10 cases of RC Cola 8oz.<br />
<br />
RC Cola:<br />
P112 x 10 = P1,120 <br />
<br />
Deposit:<br />
P90 x 10 = P900<br />
<br />
<strong>TOTAL: P2,020</strong><br />
<strong></strong><br />
-----------------------------<br />
<strong><span style="color: red;">Sample Computation 2</span></strong><br />
-----------------------------<br />
<br />
*20 cases of assorted Coke/Royal/Sprite Kasalo<br />
<br />
Kasalo:<br />
P170 x 20 = P3,400 <br />
<br />
Deposit:<br />
P100 x 20 = P2,000<br />
<br />
<strong>TOTAL: P5,400</strong><br />
<strong></strong><br />
-----------------------------<br />
<strong><span style="color: red;">Sample Computation 3</span></strong><br />
-----------------------------<br />
<br />
*30 cases of Red Horse beer<br />
<br />
Red Horse:<br />
P405 x 30 = P12,150<br />
<br />
Deposit:<br />
P110 x 30 = P3,300<br />
<br />
<strong>TOTAL: P15,450</strong><br />
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;"><strong><span style="color: navy;">Establish your market</span></strong></span></div>
<div style="text-align: justify;">
<div style="text-align: justify;">
<span style="font-family: inherit;"> Once you have your initial stocks, start letting the community know about your business. Make some calls to friends nearby who owns stores and ask if you can be their supplier. Check out your calendar and look for dates for known occasions such as fiestas<em>.</em> Prepare small business cards and a printed price list of your available products. Again, one of the advantages of being in a commercial area is that you don't have to do these things anymore. </span><br />
<span style="font-family: inherit;"></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlh6tOy_49P-7lD1bze4k28O47V_8t4ggCOqLg-9NCHyld_hBA5I41WEVRPGC6DQoOWhTzOTpqm5AH96fILty2m_a_8EVPc2OA9F1pnB1KfAhyCnxslXh0RedVJBj2WsaVvzxo_XEv1nW8/s1600/establish_market.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Establish your market" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlh6tOy_49P-7lD1bze4k28O47V_8t4ggCOqLg-9NCHyld_hBA5I41WEVRPGC6DQoOWhTzOTpqm5AH96fILty2m_a_8EVPc2OA9F1pnB1KfAhyCnxslXh0RedVJBj2WsaVvzxo_XEv1nW8/s320/establish_market.jpg" title="" width="320" /></a></div>
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;"><strong><span style="color: navy;">Dealing with Spoilage</span></strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">One of the most common problem with this kind of business is <em>spoilage. </em>These are the products that no longer have sale value because of either breakage, expiry or manufacturing defects. You must also take note that products that are contained in plastic bottles have shorter shelf life (about 3 to 4 months from manufacturing) compared to those contained in glass bottles. Always check the expiry label in plastic bottles to ensure that you don't overstock. A product may have 4 months period before expiry date, but remember that they are not being delivered to you after production. Meaning, they are transferred or stored from the plant to the warehouse so by the time it reaches you, the product may only have 1 month shelf life!</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHq3vMVS5m13rzVid3Ios1QqjoYGKnMmtePgrH7dNX8UFXNJuEcwFI_-Dhusz5KNdZsi11urS2zHESpUGsH4kQHgOvWY4MZJvzmgPQVgyBhCZoIMfHD0ykhHiHWn51g_jdEkkc6UUtLGsF/s1600/spoils.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Spoilage in softdrinks and beer" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHq3vMVS5m13rzVid3Ios1QqjoYGKnMmtePgrH7dNX8UFXNJuEcwFI_-Dhusz5KNdZsi11urS2zHESpUGsH4kQHgOvWY4MZJvzmgPQVgyBhCZoIMfHD0ykhHiHWn51g_jdEkkc6UUtLGsF/s320/spoils.jpg" title="" width="320" /></a></div>
<br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><strong><span style="color: navy;">Dealing with Bottles and Cases</span></strong></span></span><br />
<div style="text-align: justify;">
<span style="font-family: inherit;">When it gets really hot, bottles have a higher tendency to break on their own even if it's just stacked or while in transit (I was not exempted, there was one time when I pulled a case upwards and one bottle broke, good thing I did not hurt myself). The solution is to simply store them in a location that is not exposed to sun light, or spray some water before being delivered to cool down the temperature (just advise your customers to wipe them upon delivery to prevent rusting on caps). Also, do not stock more than 5 cases.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzoqW6SfYVp_vhKNmRxJ8tUOYBrHWh8tcVtMQV0_KT00WEZDMhMN2fxtLrd5Hg8tEt7Kr8IvlaeiNcSuDaK5SQ4TxS1zX1FdE9Idx5FTxZVOwhiUQwGErdUV0TelZRdsi344LNrrx7gUq6/s1600/deposit.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How to store softdrinks cases" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzoqW6SfYVp_vhKNmRxJ8tUOYBrHWh8tcVtMQV0_KT00WEZDMhMN2fxtLrd5Hg8tEt7Kr8IvlaeiNcSuDaK5SQ4TxS1zX1FdE9Idx5FTxZVOwhiUQwGErdUV0TelZRdsi344LNrrx7gUq6/s320/deposit.jpg" title="" width="320" /></a></div>
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;"><strong><span style="color: navy;">Promos and Marketing</span></strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Your customers are people - which makes it a no brainer to tell that giving them gifts will boost their loyalty to you. It's a simple way to show your appreciation for their patronage. A calendar, bottle opener, mug or umbrella are the common ones. You may also do a simple point-based reward system, where your customer gets a gift based on the sales you made on them (example 200-peso umbrella for Pedro and 50-peso mug for Jose). Make sure to announce the mechanics to them in order to avoid jealousy and misunderstandings. </span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsA3lWSFZy5Toj9qMvFUCrrFofQJFtvmGKimRSBPo4OJDMVH-Wyf6-P_heSyNGcKXbzW9O3dnMbiaNkfHSmNq0MftHwfQem_rJ_rUpH6QDjGuy3eUeGvVxwt8sI0eBzkIO0mia6-Wt95La/s1600/cases.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Monitor growth of business" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsA3lWSFZy5Toj9qMvFUCrrFofQJFtvmGKimRSBPo4OJDMVH-Wyf6-P_heSyNGcKXbzW9O3dnMbiaNkfHSmNq0MftHwfQem_rJ_rUpH6QDjGuy3eUeGvVxwt8sI0eBzkIO0mia6-Wt95La/s320/cases.jpg" title="" width="320" /></a></div>
</div>
<div style="text-align: justify;">
You can also partner with existing establishments such as carinderias, <a href="http://www.pisoandbeyond.com/2014/01/how-to-succeed-in-your-sari-sari-store.html" target="_blank">sari-sari stores</a>, canteens, bars, food stands and bakeries to expand your market. Reward them with special pricing or discounts for bulk orders.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;"><strong><span style="color: navy;">Take care of your customers</span></strong></span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;">It takes months to establish a solid relationship and only one late or failed delivery to ruin everything. This is fairly true especially when your competition in the area is tight. Customers tend to have this "privileged" attitude that they feel they can replace you anytime with other suppliers. </span><br />
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">Save their contact numbers both in your phone and a notebook. In case your phone is lost or gets corrupted, you can easily inform them of your new phone number via call or text. Want more tip? Ask for their birthday and have them marked on your calendar. A simple text or call will surely be appreciated. You may also give them a simple gift if you wish. </span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyyI27QbCNb77uzH07sWDG-A5kGNvyjy8ni_S66Ltq1rP2XQX2XuMPxDvkkDbmNzzw7Gm6AURXGoyB7vBK33hbc3oEN1MPWQIUuCu2OJ4vNPCLaBfPBYnrQhDfFOJDWDVogB1Eo7esNXUj/s1600/customer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Customer service sari-sari store" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyyI27QbCNb77uzH07sWDG-A5kGNvyjy8ni_S66Ltq1rP2XQX2XuMPxDvkkDbmNzzw7Gm6AURXGoyB7vBK33hbc3oEN1MPWQIUuCu2OJ4vNPCLaBfPBYnrQhDfFOJDWDVogB1Eo7esNXUj/s320/customer.jpg" title="" width="320" /></a></div>
</div>
<div style="text-align: justify;">
<strong><span style="color: navy;">Register your business</span></strong></div>
<div style="text-align: justify;">
<span style="color: black;">Regardless if your business is in a commercial area or in your own place, <a href="http://www.pisoandbeyond.com/2015/12/the-ultimate-checklist-for-new-business.html" target="_blank">registering your business</a> is still a responsibility. The usual checklist would include:</span></div>
<div style="text-align: justify;">
<ul>
<li>Brgy. Business Permit</li>
<li>DTI Registration (valid for 5 years)</li>
<li>BIR Registration</li>
<li>Mayor's Permit</li>
</ul>
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVsQpP6qaoTJzx5YhMRNgwKAVRn2pTcElFy5YnXk7yuFRbnsl56BimGenqBbMWYoFTZBFTpQGERAoZCjmmDWrqI0AaHmppowTWhH9fsdxS7RCGWop__SRN0svjIpXl7yA7y1C-EW46aDf_/s1600/register.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Business Permit - Softdrinks business" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVsQpP6qaoTJzx5YhMRNgwKAVRn2pTcElFy5YnXk7yuFRbnsl56BimGenqBbMWYoFTZBFTpQGERAoZCjmmDWrqI0AaHmppowTWhH9fsdxS7RCGWop__SRN0svjIpXl7yA7y1C-EW46aDf_/s320/register.jpg" title="" width="320" /></a></div>
<strong><span style="color: navy;"></span></strong><br />
<strong><span style="color: navy;">Monitor your growth</span></strong><br />
<div style="text-align: justify;">
<span style="color: black;">Lastly, you need to monitor how your business is performing. Are you actually earning or just having enough to cover-up your expenses? One good way to do this is to have a simple spreadsheet (Excel) to list down all your expenses in a day or month, and your sales. </span></div>
<div style="text-align: justify;">
<span style="color: black;"></span> </div>
<div style="text-align: justify;">
<span style="color: black;">You can also use this to list down all your existing customers, their contact details and the last date when he or she placed an order so you can always get back on them. For example, if a customer has not been placing orders for over a month, then you can ask them why to find out. Did they replaced you as their supplier because someone offered them lower prices compared to yours? Or did their business closed? At least you would know and this could help you strategize. </span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixSluo_Z2bFJEAege2FErOASZhFF5fRJxMpdOQ_994R_Rfi9F7-0uzUmO6_05BzYNfk1c6i6-GnETCnlKqawkT3HxlMytcQrUcfq8_3T9LnZZVoomPmylC-M_uxDDxZ1KAZDWhB_a7OtkA/s1600/take_note.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Monitor growth of business" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixSluo_Z2bFJEAege2FErOASZhFF5fRJxMpdOQ_994R_Rfi9F7-0uzUmO6_05BzYNfk1c6i6-GnETCnlKqawkT3HxlMytcQrUcfq8_3T9LnZZVoomPmylC-M_uxDDxZ1KAZDWhB_a7OtkA/s320/take_note.jpg" title="" width="320" /></a></div>
<br />
<strong><span style="color: navy;">On taking profits</span></strong></div>
<div style="text-align: justify;">
<span style="color: black;">Much like a sari-sari store, your earnings from being a softdrinks and/or beer sub-dealer would only range between 2 to 20 pesos per case. Again, that's per case and <u>NOT</u> per bottle. So the number of sales is really the key to earning more. For example, if the profit per case of Red Horse beer is just P4, yet you're able to sell at least 50 cases per day, then that's 200 pesos profit per day for Red Horse alone! </span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
You can take the profit in your business with the approach you want best for you. But here's my advise: <u>NEVER TAKE PROFIT ON THE FIRST YEAR OF YOUR BUSINESS</u>. When we started, we agreed that we will only take profits after the first year of the business. Meaning, all the earnings were rolled over on the business so we can grow it.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJ6GWTJ6Zm-ZF5Pf3qATU67I3uZnUQoMqOAbisnz1FX-sC-PNNpCW5IIBSieHgBf0C6ADNfBmt7nqt7yoMJBr-fOmHM7Kdr9LZz3VjQyqdF-D_YvDFixVaOXxcGy8FlOokfPfp5LOo0wyr/s1600/cash.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How to get net profit from business" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJ6GWTJ6Zm-ZF5Pf3qATU67I3uZnUQoMqOAbisnz1FX-sC-PNNpCW5IIBSieHgBf0C6ADNfBmt7nqt7yoMJBr-fOmHM7Kdr9LZz3VjQyqdF-D_YvDFixVaOXxcGy8FlOokfPfp5LOo0wyr/s320/cash.jpg" title="" width="320" /></a></div>
</div>
<div style="text-align: justify;">
When you're ready to earn the fruits of your hardwork, you can apply the Rule of 10 (meaning, you just get the 10% of the sales for each day as your profit), or you can save a fixed amount each day. You can also apply what we do in our business: we only get 50% of the net earnings. The remaining 50% is further divided into two: 20% is rolled over and 30% is saved on a local bank only to be used for future or major expenses (such as buying new delivery trike, store construction, etc.)<br />
<br />
<strong><span style="color: navy;">Contact Details</span></strong><br />
Are you excited to start but have no clue where to start? You can try asking stall or mini-grocery owners about the contact number of the agents that roam around your area. If you can't, then you may try contacting them directly. How? <br />
<br />
Here's a little bonus. I'm listing all active contact details for each of the major distributors. From the headquarters, you'll probably be transferred to the nearest agent or warehouse in your area. Just be patient as some response takes a day or two. Note that the information posted herein are all publicly available on their respective websites and I do not guarantee that everything is active and working:<br />
<br />
<strong>Coca-Cola Philippines</strong><br />
Tel: (02) 834-0526<br />
Mobile: 0923-845-5930<br />
Web: <a href="https://www.coca-colafemsa.com/contact.html">https://www.coca-colafemsa.com/contact.html</a><br />
<br />
<strong>Pepsi-Cola Products Philippines, Inc.</strong><br />
Tel: (02) 88PEPSI<br />
Web: <a href="https://www.pepsiphilippines.com/contact.php">https://www.pepsiphilippines.com/contact.php</a><br />
<br />
<strong>RC Cola</strong><br />
Tel: (02) 712-0941<br />
Web: <a href="http://www.arc.com.ph/contact.html">http://www.arc.com.ph/contact.html</a><br />
<br />
<strong>San Miguel</strong><br />
Tel: (02) 632-BEER<br />
Mobile: 0922-632-2337<br />
Web: <a href="http://www.sanmiguelbrewery.com.ph/contact-us.php">http://www.sanmiguelbrewery.com.ph/contact-us.php</a><br />
<br />
<strong>Emperador, Inc.</strong><br />
Tel: (632) 421-0671<br />
Web: <a href="http://www.emperadorbrandy.com/contact.html">http://www.emperadorbrandy.com/contact.html</a><br />
<br />
<strong><span style="color: navy;">Your Turn</span></strong><br />
How was it? Did you find these tips helpful? If you're running this kind of business as well, please share your ideas and experiences on the comments section so other people can learn from you as well.</div>
</div>
</div>
<br /></div>
<table><tbody>
<tr><td></td></tr>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com424tag:blogger.com,1999:blog-2030247462978742260.post-66379913615394223752017-11-21T13:53:00.000+08:002017-12-19T09:01:10.047+08:00Potatoes, Eggs and Coffee Beans<div style="text-align: justify;">
<span style="font-family: inherit;"></span> </div>
<div style="text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7BEv_XlUsXPYNpdYdnUiizgZ-9A-pv_FGklKlzMIbtB4DV3xRCo1apDSWjb6AixMRm99rSsdGNaM3hmqM7an51Iv_Ka_fyKZd6CCKhViP298PIGbsh-z0M685Vjf17BQvZGsFeF1bdwmq/s1600/egg_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="The Potato, Egg and Coffee Bean" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7BEv_XlUsXPYNpdYdnUiizgZ-9A-pv_FGklKlzMIbtB4DV3xRCo1apDSWjb6AixMRm99rSsdGNaM3hmqM7an51Iv_Ka_fyKZd6CCKhViP298PIGbsh-z0M685Vjf17BQvZGsFeF1bdwmq/s320/egg_head.jpg" title="" width="200" /></a></div>
<span style="font-family: inherit;">There was once a daughter who kept complaining to her father about how miserable her life was and that she didn’t know how she was going to make it. </span><br />
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">She was tired of fighting and struggling all the time. It seemed just as one problem was solved, another one soon followed as if she's dealing with a never-ending list of problems to go through.</span><br />
<a name='more'></a><br /></div>
<div style="text-align: justify;">
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">Her father, a chef, decided to take her to the kitchen. </span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">He filled three pots with water and placed each on a high fire. Once the three pots began to boil, he placed potatoes in one pot, eggs in the second pot, and ground coffee beans in the third pot.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">He then let them sit and boil, without saying a word to his daughter. The daughter moaned and impatiently waited, wondering what was her father doing.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">After twenty minutes the father turned off the burners. He took the potatoes out of the pot and placed them in a bowl. He pulled the eggs out and placed them in a bowl.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">He then ladled the coffee out and placed it in a cup. He turned to his daughter and asked, “Tell me, what do you see?”</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">“Potatoes, eggs, and coffee,” she hastily replied.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">“Look closer,” he said, “and touch the potatoes.” She did and said that they were soft. He then asked her to take an egg and break it. After pulling off the shell, she observed the hard-boiled egg. Finally, he asked her to sip the coffee. The rich aroma brought a smile to her face.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">“Father, what does this mean?”, she asked.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">He then explained that the potatoes, the eggs and coffee beans had each faced the same adversity – the boiling water.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMTmTkMk7ozCASGAAvzbvlE-x4WLuFfZCv9bn4F6O2bl9Xp4Uvg9hTcSjdhotefAiXZoQdPsONm7ARGuI9bToZjurvojZX6EknR0OS37AtZNFf1pt8ZjAih01m4gqr6vSvU-1lkYauLR3n/s1600/boil.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Boiling Water" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMTmTkMk7ozCASGAAvzbvlE-x4WLuFfZCv9bn4F6O2bl9Xp4Uvg9hTcSjdhotefAiXZoQdPsONm7ARGuI9bToZjurvojZX6EknR0OS37AtZNFf1pt8ZjAih01m4gqr6vSvU-1lkYauLR3n/s320/boil.jpg" title="" width="320" /></a></div>
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">However, each one reacted differently.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">The potato went in strong, hard, and unrelenting, but in boiling water, it became soft and weak.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">The egg was fragile, with the thin outer shell protecting its liquid interior until it was put in the boiling water. Then the inside of the egg became hard.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">However, the ground coffee beans were unique. After they were exposed to the boiling water, they changed the water and created something new.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">“Which one are you?”, he asked his daughter. “When adversity knocks on your door, how do you respond? Are you a potato, an egg, or a coffee bean?”</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="color: navy; font-family: inherit;"><strong>How about you?</strong></span><br />
<br />
<span style="font-family: inherit;">Life obviously would not always be about the good or the bad, but the decisions between what happened and the consequences on how you reacted. How you react defines who you become.</span></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">So, which one are you?</span><br />
<br /></div>
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<tr><td><a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank"><img alt="PisoandBeyond" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhePxjk_gaTgHOqPvg-9eGGKfsfs2jEWcplFqOSKczkA4QRUsWkvuVvIHuGp8FYbpK_B21Ml-BUzk1E9ku3T5DBbg22bIs-PNeLLV5jnrBo7cN087JUugzIfPCx-364_hEwdHlriuYyo_cg/s1600/rss_subscribe_icon.png" /></a></td> <td><span style="font-family: inherit;">Which one are you when faced with an adversity? Receive cool updates like this when you <a href="http://feedburner.google.com/fb/a/mailverify?uri=PisoAndBeyond&amp;loc=en_US" target="_blank">subscribe to PisoandBeyond!</a></span></td></tr>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com8tag:blogger.com,1999:blog-2030247462978742260.post-60394872216783754652017-11-14T11:43:00.000+08:002018-01-05T11:59:29.499+08:00The 10 Biggest Companies in the Philippines<div style="text-align: justify;">
<span style="color: black;"><strong></strong></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFeQvP0GAt26xTH3jAcjU0_oAZnQ_lqW3FTvOp67IUcMzeZfjrwrVKf31SjcaJMbgfQjYsuTMwTF9Pz73UI55BzI4MgToo5TWvqqWmyUKGHo7YlzFUq-m1KO19R0sXfuXxyqY8ncjVPCrm/s1600/blue_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="The 10 Biggest Companies in the Philippines" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFeQvP0GAt26xTH3jAcjU0_oAZnQ_lqW3FTvOp67IUcMzeZfjrwrVKf31SjcaJMbgfQjYsuTMwTF9Pz73UI55BzI4MgToo5TWvqqWmyUKGHo7YlzFUq-m1KO19R0sXfuXxyqY8ncjVPCrm/s320/blue_head.jpg" title="" width="200" /></a></div>
<span style="color: black;">Have you ever wondered which are the country's top companies? Or if which company is being patronized the most by Filipinos here and/or abroad? </span><br />
<br />
One basic step in checking a company's status and performance is simply to check if it's listed in the Philippine Stocks Exchange or PSE. After all, being listed in PSE takes a serious business with a serious income.<br />
<a name='more'></a><br />
<br />
In a nutshell, for a company to be included in PSE, the market capitalization of the company must be at least P500 Million and should be operating profitably for at least 3 years upon application.<sup>[1]</sup> Therefore, it just make sense that 10 of the biggest companies are included in this list.<br />
<strong><span style="color: navy;"></span></strong><br />
<strong><span style="color: navy;">What is a 'Blue Chip'</span></strong></div>
<div style="text-align: justify;">
Investopedia describes a Blue Chip as “a nationally recognized, well-established, and financially sound company. Blue Chips generally sell high-quality, widely accepted products and services. These companies are known to weather downturns and operate profitably in the face of adverse economic conditions, which helps to contribute to their long record of stable and reliable growth.”</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
And in case you're wondering, the name “Blue Chip” came from the game of poker in which <u>the Blue Chips have the highest value.</u></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<strong><span style="color: navy;">Understanding 'Fast Facts'</span></strong></div>
<div style="text-align: justify;">
Below each company name, you will see 'Fast Facts' items which simply shows the readily available information about the particular company. </div>
<div style="text-align: justify;">
<ul>
<li><u>STOCK SYMBOL</u> or sometimes called ticker, is the abbreviated form of the company name which is mainly used for PSE-related or stock market activities. </li>
</ul>
</div>
<div style="text-align: justify;">
<ul>
<li>The name you will see as the <u>CHAIRMAN</u> pertains to the person who currently runs or represents the company. Meaning, don't expect the founder's name there, such as Henry Sy and John Gokongwei, who are now both too old to run their respective companies, but are recognized as “Chairman Emeritus” instead. </li>
</ul>
</div>
<div style="text-align: justify;">
<ul>
<li><u>YEAR INCORPORATED</u> is different from the year when the company was founded, rather, it refers to the date when the company was registered as a corporation. </li>
</ul>
</div>
<div style="text-align: justify;">
<ul>
<li>If you want to learn more about the company, you may check the provided company <u>WEBSITE.</u> </li>
</ul>
</div>
<div style="text-align: justify;">
<ul>
<li>The <u>PRICE PER SHARE</u> refers to the actual trading price of the company from the last 12 months up to posting date. That is, if you see P112 to P186, that means that you can buy a share of that company between 112 pesos (lowest) and 186 pesos (highest) within the one year range (i.e. 2016-2017). </li>
</ul>
</div>
<div style="text-align: justify;">
<ul>
<li>Finally, the <u>MINIMUM SHARES</u> or more commonly known as “Board Lot”, refers to the minimum number of shares that you need to buy from the company.</li>
</ul>
</div>
<strong><span style="color: navy;">How was the list defined?</span></strong><br />
<div style="text-align: justify;">
You must understand that no scientific, statistical, mathematical or any other strategically-motivated formula or method was used in determining the list you're about read. The list is based solely on two criteria: (1) the company is part of the PSE index and is a “Blue Chip” and (2) the company's <u>Market Capitalization,</u> which is computed by multiplying the current price per share with the total number of outstanding shares. For example, if ABC Corporation has 1,000 shares and each share costs P18, then the Market Cap of ABC Corporation is 1,000 x P18 = P18,000.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Also, please remember that we are ranking the companies, not their owners (because you will see that some companies are headed by the same person).</div>
<div style="text-align: justify;">
<br />
<strong><span style="color: navy;">Market Cap</span></strong></div>
<div style="text-align: justify;">
The values indicated in the Market Cap of each companies are NOT real time. The actual values will significantly change because the price per share changes every minute of each trading day. Meaning, ABC Corporation may have a Market Cap of P18,000 today, but would have P17,500 or P19,000 Market Cap the next day, depending if the price per share goes up or down. To achieve our objective, we'll just get the Market Cap of the companies based on the highest price per share it reached within the last 12 months. </div>
<div style="text-align: justify;">
<div style="text-align: justify;">
<strong><span style="color: navy;"></span></strong> </div>
Are you ready to find out who made it top our Top 10 List? Here they are..<br />
<br />
<span style="color: black;"><span style="color: black;"><strong><span style="color: navy;">#10. MANILA ELECTRIC COMPANY</span></strong><br />
</span></span><br />
<span style="color: red;"><strong><span style="color: black;"><span style="color: black;">Market Cap: </span></span><span style="color: red;">P342 Billion</span></strong></span><br />
<br />
<div style="text-align: justify;">
<div style="text-align: justify;">
<strong>Fast Facts:</strong><br />
Stock Code: <u>MER</u></div>
<div style="text-align: justify;">
Chairman: <u>Manuel V. Pangilinan</u></div>
<div style="text-align: justify;">
Business Line: <u>Electricity, Energy, Power & Water</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1919</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.meralco.com.ph/">http://www.meralco.com.ph</a></div>
<div style="text-align: justify;">
Minimum Shares: <u>10</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P254 to P304</u></div>
<span style="color: black;"><span style="color: black;"></span></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqy3R9Yp3_72Pyhi311GjRaFXmGJQmZcj5swDZDx3ux0ipv80rPkwol8Zufs942st4TaNEvqyQ3w2nPG1bwu2StyOk5mbfwuFmCIRjKtvE4mv7hwZ30ZehN6bKU_Hz_h27Hwesv7lNFE-P/s1600/MER.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="MANILA ELECTRIC COMPANY" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqy3R9Yp3_72Pyhi311GjRaFXmGJQmZcj5swDZDx3ux0ipv80rPkwol8Zufs942st4TaNEvqyQ3w2nPG1bwu2StyOk5mbfwuFmCIRjKtvE4mv7hwZ30ZehN6bKU_Hz_h27Hwesv7lNFE-P/s320/MER.jpg" title="" width="320" /></a></div>
<br />
<span style="color: black;"><span style="color: black;"><strong>About MER</strong></span></span><br />
<span style="color: black;"><span style="color: black;">Manila Electric Company (MER) is a private distribution utility that constructs, operates, and maintains the electric distribution system in the cities and municipalities of Bulacan, Cavite, Metro Manila, and Rizal and certain cities, municipalities, and barangays in the provinces of Batangas, Laguna, Pampanga, and Quezon.</span></span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The principal business of MER is the distribution and sale of electric energy through its distribution network facilities in its franchise area. The Company's market is categorized into four sectors such as residential, commercial, industrial, and streetlights.<br />
<br />
<span style="color: black;"><strong><span style="color: navy;">#9. UNIVERSAL ROBINA CORPORATION</span></strong></span><br />
<span style="color: black;"><strong><span style="color: red;"></span></strong></span><br />
<div style="text-align: justify;">
<div style="text-align: justify;">
<span style="color: black;"><span style="color: black;">Market Cap: <strong><span style="color: red;">P409 Billion</span></strong></span></span><br />
<span style="color: black;"><span style="color: black;"></span></span><br />
<span style="color: black;"><strong><span style="color: red;"><span style="color: black;"><span style="color: black;"><strong>Fast Facts:</strong></span></span></span></strong></span><br />
<span style="color: black;"><span style="color: black;">Stock Code: <u>URC</u><br /> Chairman: <u>James L. Go</u><br /> Business Line: <u>Food & Beverage</u><br /> Year Incorporated: <u>1954</u><br /> Website: </span><span style="color: black;"><a href="http://www2.urc.com.ph/">http://www2.urc.com.ph</a><span style="color: black;"><br /> Minimum Shares: <u>10</u><br /> Price Per Share: <u>P135 to P186</u></span></span></span></div>
<span style="color: black;"></span><span style="color: black;"></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBMWmT_yhAWZMDp-QWyLMtsPGoozT3KtAK6zQDZgyMOqnzbzL3tewt9ljmO4ggA9yCXzebt0QgUHLfxDYDENJR1y6frrrRUP0BOmoEaic_L0OkLMkmfcTSRkpXl3TZP7wFJj90eVWjQaZg/s1600/URC.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="UNIVERSAL ROBINA CORPORATION" border="0" data-original-height="255" data-original-width="496" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBMWmT_yhAWZMDp-QWyLMtsPGoozT3KtAK6zQDZgyMOqnzbzL3tewt9ljmO4ggA9yCXzebt0QgUHLfxDYDENJR1y6frrrRUP0BOmoEaic_L0OkLMkmfcTSRkpXl3TZP7wFJj90eVWjQaZg/s320/URC.jpg" title="" width="320" /></a></div>
<br />
<span style="color: black;"><strong>About URC</strong></span><br />
<span style="color: black;">Universal Robina Corporation (URC) is involved in a range of food-related businesses, including the manufacture and distribution of branded consumer foods, production of hogs and day-old pullets, manufacture of animal feeds and veterinary products, flour milling and sugar milling and refining. </span><br />
</div>
<div style="text-align: justify;">
<span style="color: black;">URC operates its food business through operating divisions and wholly-owned or majority-owned subsidiaries that are organized into three core business segments: (1)branded consumer foods, (2)agro-industrial products and (3)commodity food products. </span><br />
</div>
<div style="text-align: justify;">
<span style="color: black;">Majority of URC's branded consumer foods business is conducted in the Philippines, but the Company has expanded into other Asian markets through its subsidiaries in Cayman Islands, British Virgin Islands, China, Hong Kong, Indonesia, Malaysia, Singapore, Thailand, Myanmar, Vietnam, New Zealand, and Australia.</span></div>
<br />
<strong><span style="color: navy;">#8. PLDT INC.</span></strong><br />
<strong><span style="color: navy;"></span></strong><strong><span style="color: navy;"><strong><span style="color: red;"></span></strong></span></strong> </div>
<div style="text-align: justify;">
<div style="text-align: justify;">
Market Cap: <strong><span style="color: red;">P420 Billion</span></strong><br />
<strong></strong><br />
<strong>Fast Facts:</strong><br />
Stock Code: <u>TEL</u></div>
<div style="text-align: justify;">
Chairman: <u>Manuel V. Pangilinan</u></div>
<div style="text-align: justify;">
Business Line: <u>Telecommunications</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1928</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.pldt.com/">www.pldt.com</a> <br />
Minimum Shares: <u>5</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P1,260 to P1,944</u></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgd0-hmsNBy-qBEGXYJOlvBj-NJmpqNnAoIE9xfg6MxkpT0Hs9IGAbiVrcc54FvVCRI7eCE5oTeK7VxeRCnVgrYvPeE3wI_l3lZxZRKv4KLb_IJ1nbdU-PRlNNAXVRxOAZaKHVrVavFvsKX/s1600/TEL.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="PLDT, INC." border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgd0-hmsNBy-qBEGXYJOlvBj-NJmpqNnAoIE9xfg6MxkpT0Hs9IGAbiVrcc54FvVCRI7eCE5oTeK7VxeRCnVgrYvPeE3wI_l3lZxZRKv4KLb_IJ1nbdU-PRlNNAXVRxOAZaKHVrVavFvsKX/s320/TEL.jpg" title="" width="320" /></a></div>
<br />
<strong>About TEL</strong><br />
PLDT Inc. (TEL) is a telecommunications service provider with its business activities categorized into three units: wireless, fixed line, and others. The Company’s services are marketed under the Smart, Talk 'N Text and Sun Cellular brands. </div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
TEL's subsidiaries include Smart Communications, Inc.; ACeS Philippines Cellular Satellite Corporation; ABM Global Solutions, Inc.; Bonifacio Communications Corporation; and ePLDT, Inc.<br />
<br />
<strong><span style="color: navy;">#7. ABOITIZ EQUITY VENTURES, INC.</span></strong></div>
<div style="text-align: justify;">
<br />
Market Cap: <strong><span style="color: red;">P439 Billion</span></strong><br />
<strong></strong><br />
<strong>Fast Facts:</strong><br />
Stock Code: <u>AEV</u><br />
<div style="text-align: justify;">
Chairman: <u>Jon Ramon Aboitiz</u></div>
<div style="text-align: justify;">
Business Line: <u>Holding Firm</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1989</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.aboitiz.com/">http://www.aboitiz.com</a> </div>
<div style="text-align: justify;">
Minimum Shares: <u>10</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P66 to P78</u></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW3UJHmniIaWfop9-T4npuTK_kyRqRts5LK5Pz2-XkKcv9nE-EZtFjiYG5k2IjNPLfo2mG-Jw9YDpuVeutRoSgi-TGeMDWjmrjjr-h2yy9-ytkdHEoHZFp2XKm1bCcQ4tz6CPYaKLwCC2V/s1600/AEV.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="ABOITIZ EQUITY VENTURES, INC." border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW3UJHmniIaWfop9-T4npuTK_kyRqRts5LK5Pz2-XkKcv9nE-EZtFjiYG5k2IjNPLfo2mG-Jw9YDpuVeutRoSgi-TGeMDWjmrjjr-h2yy9-ytkdHEoHZFp2XKm1bCcQ4tz6CPYaKLwCC2V/s320/AEV.jpg" title="" width="320" /></a></div>
<br />
<strong>About AEV</strong><br />
Aboitiz Equity Ventures, Inc. (AEV) is the public holding and management company of the Aboitiz Group of Companies. AEV's core businesses, conducted through various subsidiaries and affiliates, are grouped into six main categories: power distribution, generation and retail electricity supply; financial services; food manufacturing; real estate; infrastructure; and portfolio investments. </div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
The significant subsidiaries of AEV are Aboitiz Power Corporation, Pilmico Foods Corporation, and Aboitiz Land, Inc. <br />
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<strong><span style="color: navy;">#6. JG SUMMIT HOLDINGS, INC.</span></strong><br />
<strong></strong><br />
Market Cap: <strong><span style="color: red;">P630 Billion</span></strong><br />
<div style="text-align: justify;">
<strong><span style="color: red;"></span></strong><br />
<strong>Fast Facts:</strong><br />
Stock Code: <u>JGS</u></div>
<div style="text-align: justify;">
Chairman: <u>James L. Go</u></div>
<div style="text-align: justify;">
Business Line: <u>Holding Firm</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1978</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.jgsummit.com.ph/">http://www.jgsummit.com.ph</a></div>
<div style="text-align: justify;">
Minimum Shares: <u>10</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P64 to P88</u><br />
<u></u><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKfthGmzpWVxqsc25XIBHjEDh7hjWQVbgwrspju9sy5G_jHHMHstJhnzYcc2WF7dHZ39i28leV6QSoUKw4Ym6I5QMoMnALDK8ElGqvAeyJSjZngwjS1vjedYsXKER3nla4wBuMjTSiQ6to/s1600/JGS.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="JG SUMMIT HOLDINGS, INC." border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKfthGmzpWVxqsc25XIBHjEDh7hjWQVbgwrspju9sy5G_jHHMHstJhnzYcc2WF7dHZ39i28leV6QSoUKw4Ym6I5QMoMnALDK8ElGqvAeyJSjZngwjS1vjedYsXKER3nla4wBuMjTSiQ6to/s320/JGS.jpg" title="" width="320" /></a></div>
<br />
<strong>About JGS</strong></div>
</div>
<div style="text-align: justify;">
JG Summit Holdings, Inc. (JGS), which is controlled by the Gokongwei family, is the holding company for a group of companies with substantial business interests in foods; agro-industrial and commodities; real estate and hotel; air transportation; banking; and petrochemicals. The Company also has core investments in telecommunications and power generation and distribution. <br />
<br />
Among JGS' subsidiaries are JG Summit Petrochemical Corp., Cebu Pacific Air, Universal Robina Corporation, Robinsons Land Corporation and Robinsons Bank. The Company also holds interests in PLDT Inc., Manila Electric Company and Global Business Power Corporation. </div>
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<strong><span style="color: navy;">#5. BDO UNIBANK, INC.</span></strong></div>
<div style="text-align: justify;">
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Market Cap: <strong><span style="color: red;">P650 Billion</span></strong><br />
<div style="text-align: justify;">
<br />
<strong>Fast Facts:</strong><br />
Stock Code: <u>BDO</u></div>
<div style="text-align: justify;">
Chairman: <u>Teresita T. Sy</u></div>
<div style="text-align: justify;">
Business Line: <u>Financial (Bank)</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1968</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.bdo.com.ph/">http://www.bdo.com.ph</a> <br />
Minimum Shares: <u>10</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P103 to P149</u></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdsWTtVS3h9DUcqLRRcLUBBkpKIxe4VSjqbSVL75Twa-8vw6hBvb7rVzmoO6dAOQgmGjo_YZJ1hFWefyepUCqseja2UztFFazHNuRCVCSsKdpHk8XEyiB-Kds6EdniYmwNL08hMYKaoe5p/s1600/BDO.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="BDO UNIBANK, INC." border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdsWTtVS3h9DUcqLRRcLUBBkpKIxe4VSjqbSVL75Twa-8vw6hBvb7rVzmoO6dAOQgmGjo_YZJ1hFWefyepUCqseja2UztFFazHNuRCVCSsKdpHk8XEyiB-Kds6EdniYmwNL08hMYKaoe5p/s320/BDO.jpg" title="" width="320" /></a></div>
<strong></strong><br />
<strong>About BDO</strong><br />
BDO Unibank Inc. (BDO), originally known as Acme Savings Bank, was acquired by the SM Group in 1976 and merged with Equitable PCI Bank 2007. </div>
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</div>
<div style="text-align: justify;">
BDO offers an array of products and services, including retail banking; lending (corporate, commercial, consumer, and SME); treasury; trust; credit cards; corporate cash management; and remittances. Through its subsidiaries, the Company offers leasing and financing; investment banking; private banking; bancassurance; insurance brokerage; and stock brokerage services.</div>
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</div>
<div style="text-align: justify;">
The Company also has foreign subsidiaries in Hong Kong; USA; Japan; Europe; Germany; and Canada. The Company's associates are Manila North Tollways Corporation; SM Keppel Land, Inc.; Northpine Land Incorporated; Taal Land, Inc.; and MMPC Auto-Financial Services Corporation.<br />
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<strong><span style="color: navy;">#4. AYALA LAND, INC.</span></strong><br />
<div style="text-align: justify;">
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<div style="text-align: justify;">
Market Cap: <span style="color: red;"><strong>P692 Billion</strong></span><br />
<strong><span style="color: red;"></span></strong><br />
<strong>Fast Facts:</strong><br />
Stock Code: <u>ALI</u></div>
<div style="text-align: justify;">
Chairman:<u> Fernando Zobel de Ayala</u></div>
<div style="text-align: justify;">
Business Line: <u>Property</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1988</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.ayalaland.com.ph/">http://www.ayalaland.com.ph</a></div>
<div style="text-align: justify;">
Minimum Shares: <u>100</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P30 to P47</u></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOyjK3TEIU_DVdpsjnXcPdjdvoEhX2WQCLvPVb0mQgNkZH2aqGxWcWYA7NYLvQOkUaNz8Sfn0DyZaxURzkrf13VhdZUeKJqBvvrOX8kvcxSuSBVv-MhXeLA4AzEuKh5EGB33v_YVyntXUN/s1600/ALI.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="AYALA LAND, INC. " border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOyjK3TEIU_DVdpsjnXcPdjdvoEhX2WQCLvPVb0mQgNkZH2aqGxWcWYA7NYLvQOkUaNz8Sfn0DyZaxURzkrf13VhdZUeKJqBvvrOX8kvcxSuSBVv-MhXeLA4AzEuKh5EGB33v_YVyntXUN/s320/ALI.jpg" title="" width="320" /></a></div>
<br />
<strong>About ALI</strong><br />
Ayala Land, Inc. (ALI) is engaged in the planning and development of large scale, integrated estates having a mix of use for the sale of residential lots and buildings, office buildings and commercial and industrial lots, leasing of commercial and office spaces and the development, operation and management of hotels and resorts. <br />
<br />
ALI also develops commercial and industrial parks and is also engaged in property management, construction and other businesses like retail and healthcare. <br />
</div>
<div style="text-align: justify;">
Among the Company's subsidiaries are Alveo, Avida, Makati Development Corporation; ALI-ETON Property Development Corporation; North Triangle Depot; Laguna Technopark, Inc. and Ten Knots Philippines, Inc.</div>
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<strong><span style="color: navy;">#3. AYALA CORPORATION</span></strong></div>
<div style="text-align: justify;">
<br />
Market Cap: <strong><span style="color: red;">P693 Billion</span></strong><br />
<div style="text-align: justify;">
<br />
<strong>Fast Facts:</strong><br />
Stock Code: <u>AC</u></div>
<div style="text-align: justify;">
Chairman: <u>Jaime Augusto Zobel de Ayala</u></div>
<div style="text-align: justify;">
Business Line: <u>Holding Firm</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1834</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.ayala.com.ph/">http://www.ayala.com.ph</a></div>
<div style="text-align: justify;">
Minimum Shares: <u>10</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P670 to P1,116</u></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAQO-vVZs3fXv3Gf9KtoIJiL_b2ql3klXmdfwA7ZgNpan8rwIaIAnRkdWl5MnQ1BQfEyue4K9T5PXhE2KOe8n82lsDijO77nXhfYg-6bEoygZ5CYsILHDVzT2LZFOJoV_Xkd1JjpmqKJiA/s1600/AC.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="AYALA CORPORATION" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAQO-vVZs3fXv3Gf9KtoIJiL_b2ql3klXmdfwA7ZgNpan8rwIaIAnRkdWl5MnQ1BQfEyue4K9T5PXhE2KOe8n82lsDijO77nXhfYg-6bEoygZ5CYsILHDVzT2LZFOJoV_Xkd1JjpmqKJiA/s320/AC.jpg" title="" width="320" /></a></div>
<br />
<strong>About AC</strong><br />
Ayala Corporation (AC) is the holding company of the Ayala Group of Companies, with principal business interests in real estate; financial services; telecommunications; water infrastructure; electronics manufacturing; power generation; transport infrastructure; automotive; international real estate; healthcare; and education. </div>
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</div>
<div style="text-align: justify;">
The significant subsidiaries of AC are Ayala Land, Inc.; Integrated Micro-Electronics, Inc.; and Manila Water Company, Inc. Other affiliates and/or joint ventures of the Company include Bank of the Philippine Islands and Globe Telecom, Inc.<br />
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</div>
<div style="text-align: justify;">
<strong><span style="color: navy;">#2. SM PRIME HOLDINGS, INC.</span></strong></div>
<div style="text-align: justify;">
<br />
<div style="text-align: justify;">
Market Cap: <strong><span style="color: red;">P1.1 Trillion</span></strong><br />
<br />
<strong>Fast Facts:</strong><br />
Stock Code: <u>SMPH</u></div>
<div style="text-align: justify;">
Chairman: <u>Henry T. Sy, Jr.</u> </div>
<div style="text-align: justify;">
Business Line: <u>Property</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1994</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.smprime.com/">http://www.smprime.com</a></div>
<div style="text-align: justify;">
Minimum Shares: <u>100</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P24 to P39</u></div>
<strong></strong><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLdoovmh296IrLF_pKlmRCfK3AiFTyes5JdC-dXEZKsrU42sktPIjtjNdaMjdKYTuLz_9VzzF-Cv8m5RGH7hOzULrDBBffpAhnbFS42trdsp0gBEZD7hyQyUJ_oLnUD_FI_RF35iFaNRuG/s1600/SMPH.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLdoovmh296IrLF_pKlmRCfK3AiFTyes5JdC-dXEZKsrU42sktPIjtjNdaMjdKYTuLz_9VzzF-Cv8m5RGH7hOzULrDBBffpAhnbFS42trdsp0gBEZD7hyQyUJ_oLnUD_FI_RF35iFaNRuG/s320/SMPH.jpg" width="320" /></a></div>
<strong></strong><br />
<strong>About SMPH</strong><br />
SM Prime Holdings, Inc. (SMPH) was incorporated on 1994 to acquire and develop real estate, conduct and maintain commercial shopping centers including shopping center spaces for rent, amusement centers, movie or cinema theaters, and to construct and manage buildings such as condominium, apartments, hotels, restaurants, stores and other structures for mixed use purposes. The Company has now four business units, namely, malls, residential, commercial, and hotels and convention centers.</div>
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</div>
<div style="text-align: justify;">
As of 2016, SMPH has 60 malls in the Philippines and seven shopping malls in China. The Company has 33 residential projects, 31 of which are in Metro Manila and two in Tagaytay. SMPH also owns Sky Ranch, an amusement park in Tagaytay and SM Pampanga.<br />
</div>
<div style="text-align: justify;">
Among the Company's subsidiaries are SM Development Corporation; Costa del Hamilo, Inc.; Highlands Prime, Inc.; Tagaytay Resort and Development Corporation; SM Arena Complex Corporation; SM Hotels and Conventions Corp.; and SM Land (China) Limited.<br />
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<strong><span style="color: navy;">#1. SM INVESTMENTS CORPORATION</span></strong></div>
<div style="text-align: justify;">
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<div style="text-align: justify;">
Market Cap: <span style="color: red;"><strong>P1.2 Trillion</strong></span><br />
<br />
<strong>Fast Facts:</strong><br />
Stock Code: <u>SM</u></div>
<div style="text-align: justify;">
Chairman: <u>Jose T. Sio</u></div>
<div style="text-align: justify;">
Business Line: <u>Holding Firm</u></div>
<div style="text-align: justify;">
Year Incorporated: <u>1960</u></div>
<div style="text-align: justify;">
Website: <a href="http://www.sminvestments.com/">http://www.sminvestments.com</a></div>
<div style="text-align: justify;">
Minimum Shares: <u>10</u></div>
<div style="text-align: justify;">
Price Per Share: <u>P599 to P1,005</u></div>
<div style="text-align: justify;">
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCwNd5tDa43OA6dk_7ku6fHxJXkGohglkRcgAf7miTjY6xABpBt5aEpMl84-_kTMZZ6fjNF_cD_D1FYQs72mWPgFPwGiVRAIiZSylg-En8zhqc9u3Dgd9eAAWv9jNy3xrcdyZhrNOi4a61/s1600/SM.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCwNd5tDa43OA6dk_7ku6fHxJXkGohglkRcgAf7miTjY6xABpBt5aEpMl84-_kTMZZ6fjNF_cD_D1FYQs72mWPgFPwGiVRAIiZSylg-En8zhqc9u3Dgd9eAAWv9jNy3xrcdyZhrNOi4a61/s320/SM.jpg" width="320" /></a></div>
</div>
<strong>About SM</strong><br />
SM Investments Corporation (SM) is the holding company of the SM Group of Companies engaged in businesses through its subsidiaries, namely: retail (The SM Store, SM Supermarkets, SM Hypermarkets, SaveMore and Walter Mart Supermarket); property (SM Prime Holdings, Inc.); financial services (BDO Unibank, Inc. and The China Banking Corporation); and others (Belle Corporation, Atlas Consolidated Mining & Development Corporation, and The Net Group).</div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
In 2016, several specialty retail stores were merged with SM Retail, Inc. These include Ace Hardware, SM Appliances, Homeworld, Our Home, Toy Kingdom, Watsons, Kultura, Baby Company, Sports Central, Pet Express and other specialty stores. </div>
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</div>
<div style="text-align: justify;">
<strong>How was the list?</strong></div>
<div style="text-align: justify;">
And there you have it! Was it how you expected it to be? Did your favorite business made it on our list? If not, you can personally check out the details of all the publicly listed companies on the official <a href="http://www.pse.com.ph/" target="_blank">PSE Website.</a><br />
<br />
<span style="font-size: x-small;">[1] </span><a href="http://www.pse.com.ph/resource/rulesAndRegulations/CONSOLIDATED%20RULES/Listing%20and%20Disclosure%20Rules.pdf" target="_blank"><span style="font-size: x-small;">PSE Consolidated Listing and Disclosure Rules</span></a></div>
<br /></div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com14tag:blogger.com,1999:blog-2030247462978742260.post-14574979380207220842017-11-07T12:33:00.000+08:002017-12-19T09:03:45.166+08:005 Things You Should Know About "Utang"<div style="text-align: justify;">
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYDACef98h89CaqSwl02-jVJjykpsVHO0fGWAEnoXwGb90rotGl1UCfAZxtUTawl_2aBhub4XMrL6tR7em-TDA65U2bv1RVGvo2QsWK5Vw3j7x8QFhXf_gAsco8KBNQlhgQQawukqrEcx1/s1600/utang_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="5 Things You Probably Didn't Know About Utang" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYDACef98h89CaqSwl02-jVJjykpsVHO0fGWAEnoXwGb90rotGl1UCfAZxtUTawl_2aBhub4XMrL6tR7em-TDA65U2bv1RVGvo2QsWK5Vw3j7x8QFhXf_gAsco8KBNQlhgQQawukqrEcx1/s320/utang_head.jpg" title="" width="200" /></a></div>
It's no secret how debt can ruin a relationship, a business or our personal finances. Yet, no matter how informed people are about the cause-and-effect of it, many are still struggling when faced with the dilemma of making a decision: <em>to lend or not to?</em><br />
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Be it for personal or small lending business, it all boils down to the character of the person we lend our money. <br />
<a name='more'></a><br />
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But instead of having sleepless nights dealing with their shadows come payment time, why not prepare for the inevitable? Prevention is better than cure, right? <br />
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So how do you prepare yourself in order to avoid or at least lessen the negative things that a problematic borrower could cause you? We round down the 5 things you wish you knew earlier:<br />
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<strong><span style="color: navy;">1. Black and White</span></strong></div>
<div style="text-align: justify;">
As much as possible, always prepare a document such as Memorandum of Agreement (MOA) to be signed by both parties. It's pays to be smart and prepared than to be left scrambling with nothing when, knock on wood, your debtor ignores his or her financial obligations to you. <br />
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<u>Any piece of signed document is a strong evidence</u> compared to anything that is verbal in nature. In cases where you needed to send the money electronically (i.e. banks, money transfers), be sure to keep the receipt or transaction ID for future reference. You'll find all these documents useful in case you needed to consider item 5 on this list.<br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuwiPafk55nJyghvvIU3aB-EsRcjVSlnUt3Z5e8z4ER8_gaqsvow1hND4cYSfjDaGteAx-fv4J-BkzuQ3TGz3xBX8vdAKYye9g9xzKN-hi-frj-vs2vP4RchQAo_shqddS4oa556362Wqq/s1600/bnw.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Black and White Paper" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuwiPafk55nJyghvvIU3aB-EsRcjVSlnUt3Z5e8z4ER8_gaqsvow1hND4cYSfjDaGteAx-fv4J-BkzuQ3TGz3xBX8vdAKYye9g9xzKN-hi-frj-vs2vP4RchQAo_shqddS4oa556362Wqq/s320/bnw.jpg" title="" width="320" /></a></div>
</div>
<div style="text-align: justify;">
<strong><span style="color: navy;">2. Collaterals</span></strong></div>
<div style="text-align: justify;">
Commonly referred to as “secured debt”, this is a case wherein a specific item of property or simply, “collateral”, guarantees the payment of debt. Meaning, if the borrower failed to settle his or her debt, then the creditor has the right to take the property that was earlier pledged to be as collateral for the loan. However, you can't just walk into your borrower's house and take his Smart TV or car, for example. You still need to secure a court order or help from your local sheriff. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQu00i7qVkRgv2cy7ZxDBBAQ68itR0UyaIF0kE0mqogVK8Ct2FUMPE2X9omF7x218thL5f5PflbmacImy-98eHIy0R7H4kzLgE8PMqIQEP-bgzu89ECrTlwS04-ppbZ6339oeG8RrCQ0Px/s1600/collateral.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Collateral" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQu00i7qVkRgv2cy7ZxDBBAQ68itR0UyaIF0kE0mqogVK8Ct2FUMPE2X9omF7x218thL5f5PflbmacImy-98eHIy0R7H4kzLgE8PMqIQEP-bgzu89ECrTlwS04-ppbZ6339oeG8RrCQ0Px/s320/collateral.jpg" title="" width="320" /></a></div>
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<span style="color: navy;"><strong>3. </strong><strong>The 45% Rule</strong></span></div>
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Although the actual percentage used differs from one bank or company to another, this is a very basic, yet crucial step when determining whether you should (and how much if yes) lend money to someone or not. That's why it's an SOP for banks and other lending institutions to check their clients financial status first!</div>
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You need to limit the loan amount based on the earning or income capacity of your borrower. You may ask for a copy of his or her pay slip or any proof of income (for self-employed or business persons). Remember that you don't need their sweet promises, but rather their payments. So how do you check if he or she is capable of repaying you? <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUUbU1jAv25Tf5t8xzdxROgbghvxn32p14ScuoAKEJzfY7m5FqIJ-U3U2Y2N8kkvxmCidCz1j_DVLpb5yLfSBgeCZZjN9r8lN16D4cbivoiBqBmhSwEjKFM7kMumtA9z0n5sieV-CBcq1U/s1600/45_rule.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The 45% Rule" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUUbU1jAv25Tf5t8xzdxROgbghvxn32p14ScuoAKEJzfY7m5FqIJ-U3U2Y2N8kkvxmCidCz1j_DVLpb5yLfSBgeCZZjN9r8lN16D4cbivoiBqBmhSwEjKFM7kMumtA9z0n5sieV-CBcq1U/s320/45_rule.jpg" title="" width="320" /></a></div>
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To make it simple, let's say your borrower's monthly salary (Gross Income) is P30,000. By checking on his or her pay slip, you'll easily see all his or her deductions such as tax, SSS/GSIS contributions, or any existing loans that he or she currently owes the company. </div>
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Now assuming that all the deductions totaled to P5,000, that means that your borrower's Net Income or take-home money is reduced to P25,000. The 45% of P25,000, which is P11,250, should be left by your borrower's pocket. Meaning, P11,250 should be left untouched to fund his or her daily expenses. Otherwise, he or she may be forced to borrow again in the future! This is when bills may start to pile-up and the domino-effect pressure to pay could strike back and lead to his or her defaulting. Therefore, the allowable or maximum monthly due that your borrower can diligently pay you must not exceed P13,750 (or the remaining 55% of his or her net income).</div>
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<strong><span style="color: navy;">4. Post Dated Checks</span></strong><br />
You may also consider asking your debtors to issue Post Dated Checks (PDCs) to encourage them to pay diligently. But what could really happen when a person issues a bouncing check? How true is it that no person shall be imprisoned because of non-payment of debt? Here's a great explanation on this this case;</div>
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Our Constitution has declared under Section 20, Article III thereof that “no person shall be imprisoned for debt or non-payment of poll tax”. Although a person who is indebted cannot be punished by imprisonment, <u>he may nevertheless be sued civilly for collection of sum of money, wherein the court shall order payment of debt. </u>However, when the act of borrowing of money is accompanied with an act which is punishable by law with imprisonment or penalty, <u>the debtor may be criminally liable not for the non-payment of debt but for the commission of the crime</u>. As in your case, borrowing, alone, of money will not make you criminally liable. <span style="color: red;">But your issuance of postdated checks which were later dishonored for “insufficiency of funds” constitutes a crime of either violation of Batas Pambansa Blg. 22 (B.P. 22) or Estafa.</span></div>
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B.P. 22, commonly referred to as the “Bouncing Checks Law”, punishes any person who makes or draws and issues any checks to apply on account or for value, knowing at the time of issue that he does not have sufficient funds in or credit with the drawee bank for the payment of such check upon its presentment. On the other hand, the maker or issuer may likewise be liable for estafa punishable under Article 315 of the Revised Penal Code if he issues a check for payment of an obligation using false pretense or fraudulent act.</div>
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Thus, your creditor may pursue either a criminal case for violation of B.P. 22 and/or estafa against you depending on the events surrounding your issuance of postdated checks. A 20-year imprisonment is the maximum penalty which can be imposed upon an accused in an estafa case under Article 315 of the Revised Penal Code, which states that “the penalty of prision correccional in its maximum period to prision mayor in its minimum period, if the amount of the fraud is over 12,000 pesos but does not exceed 22,000 pesos, and if such amount exceeds the latter sum, the penalty provided in this paragraph shall be imposed in its maximum period, adding one year for each additional 10,000 pesos; but the total penalty which may be imposed shall not exceed twenty years.”<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxSSlxsb1S4KbptbnV1xiVL7TrYZ5TN2zyuo7eHtEDEihyphenhyphenuTQWmkAvXO90h6XfZWd2CegC-M-1NSf5WbXLfyesJGzu9ZvvelUlznhshwifDlUs7ZDriiwMNvvdQ2lyvnhQeVVajDy_Fz3Q/s1600/cheque.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Bouncing Check Law" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxSSlxsb1S4KbptbnV1xiVL7TrYZ5TN2zyuo7eHtEDEihyphenhyphenuTQWmkAvXO90h6XfZWd2CegC-M-1NSf5WbXLfyesJGzu9ZvvelUlznhshwifDlUs7ZDriiwMNvvdQ2lyvnhQeVVajDy_Fz3Q/s320/cheque.jpg" title="" width="320" /></a></div>
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<u>Please be reminded that the above legal opinion may vary when other facts are stated.</u><br />
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<span style="font-size: x-small;">Source: </span><a href="http://www.manilatimes.net/bounced-checks-constitute-crime-of-estafa/54865/"><span style="font-size: x-small;">http://www.manilatimes.net/bounced-checks-constitute-crime-of-estafa/54865/</span></a></div>
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<strong><span style="color: navy;">5. The 2016 Revised Rules of Procedure for Small Claims Cases</span></strong></div>
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Pursuing legal actions against a person, especially for small claims cases (below P200,000.00) can be expensive. However, because of this rule, the court would no longer require you to get a lawyer and expects to have a decision within 30 days after the hearing.</div>
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So if you wish to collect money from someone who owes you but don't want to spend more on legal fees such as getting your own lawyer, the Small Claims Procedure will come handy. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiBnSPRbXS3lwdfK_-hsE9byVDJibIQNUeFAwZSVYpYEotX1UlKBGYwKWQQUiy1HvhWF9Tve7VQUXTzr8mlXY6hnVKsfl5whHIrDu4JbJeqURpcvnTANo3iyaaSXa6inYQPlC3wszr2oKi/s1600/small_claims.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Small Claims Court" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiBnSPRbXS3lwdfK_-hsE9byVDJibIQNUeFAwZSVYpYEotX1UlKBGYwKWQQUiy1HvhWF9Tve7VQUXTzr8mlXY6hnVKsfl5whHIrDu4JbJeqURpcvnTANo3iyaaSXa6inYQPlC3wszr2oKi/s320/small_claims.jpg" title="" width="320" /></a></div>
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Again, these are civil claims which are exclusively for the payment or reimbursement of a sum of money not exceeding P200,000.00.</div>
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<strong>What are the cases that can be filed under this law?</strong></div>
<ul>
<li><div style="text-align: justify;">
Actual damage caused to vehicles, other personal property, real property or person;</div>
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<li><div style="text-align: justify;">
Payment or reimbursement for property, deposit, or money loaned;</div>
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Payment for services rendered, insurance claim, rent, commissions;</div>
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Payment for goods sold and delivered;</div>
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<li><div style="text-align: justify;">
Money claim pursuant to contact, warranty or agreement; and</div>
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<li><div style="text-align: justify;">
Purely civil action for payment of money covered by bounced or stopped check.</div>
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</ul>
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<strong>Where to file small claims case?</strong></div>
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Since this is a civil case, a small claims case should be filed with the Metropolitan Trial Court or Municipal Trial Court in cities (a.) where the Plaintiff (the person suing) resides or (b.) Where the Defendant (the person being sued) resides. If the Plaintiff is in the business of lending, banking and similar activities, in the city where the Defendant resides, if the Plaintiff has a branch in that city.<br />
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com11tag:blogger.com,1999:blog-2030247462978742260.post-24318011179578474752017-10-31T14:21:00.000+08:002017-12-19T09:03:47.415+08:00Millenials: Live Today, Save For Tomorrow<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdUgvb-1Av1rB6T8h0W8xm_PYZavBf1Vif6gO9wsjuq0zx2E1GvHNXcc-oVWTWFE8T1LyhG1OBBvobOX_ltCUXBuYPObWqDyy2fFkwHJ2HcfvN6OoAPaACLGVxGL6NG_rOdh5PNVuygcqs/s1600/millenials_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="How Millennials Can Live Today While Saving for Tomorrow" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdUgvb-1Av1rB6T8h0W8xm_PYZavBf1Vif6gO9wsjuq0zx2E1GvHNXcc-oVWTWFE8T1LyhG1OBBvobOX_ltCUXBuYPObWqDyy2fFkwHJ2HcfvN6OoAPaACLGVxGL6NG_rOdh5PNVuygcqs/s320/millenials_head.jpg" title="" width="200" /></a></div>
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Each generation faces certain challenges and enjoys certain advantages. New times set new requirements that bring new opportunities, so all people need to do is to adjust. <br />
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While previous generations were faced with recessions and shortages, <em>Gen Y</em> enjoys a relative stability and good things that the new round of history has brought.</div>
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<a name='more'></a><br />
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Gen Y or more popularly known as “Millennials” (people born between 1981 and the late 1990s), want it all and they want it now. They look at their parents and grandparents and they don’t want to be like them. They don’t want to work hard and wait for retirement to finally start living their lives to the fullest, such as of course, to travel a lot. Most of them don’t think about their distant future – the life after retirement – simply because they plan to work in their 70s.</div>
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When you are in your 20s, it’s quite difficult to save money as there are so many seductions and unavoidable expenses. You think that you’ll start saving later, but that time may not come at all. Is it possible to live a quality life and at the same time save up for the future? Nothing is impossible. But the earlier you start saving, the more you’ll have in the end. Those in their 50s regret they didn’t start saving 30 years ago. </div>
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So today, why not give your undivided attention to learn from the older generation’s mistakes and learn from <a href="http://casanovastyle.com/" target="_blank">Casanova style</a> how to be frugal without missing out on important things. Shall we?</div>
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<strong><span style="color: navy;">Avoid debts at all costs</span></strong><br />
When you’re almost broke, it’s quite tempting to apply for a loan or use your credit card. Remember that the instant relief you get from the money you borrowed to <em>solve </em>your financial woes would usually double the trouble come paying time. Borrowing money from friends is not a good practice too, though at least they can give it to you without any interest. But make sure you pay them, ok?<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTAgztKN4CSVriuUkyCbFbTAJW4C49dlut_xLpwWWrXr7c8q30FeD3X8NyNuLyLGOV7q5GDk1ZWOjFWWWEVbM3WCqPBn2x1sGnHvz7QR9JqTuw8hC8cbFEgKhIRLiwCTzQ4aCxr-acByZ-/s1600/pay_debt.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Avoid debts at all costs" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTAgztKN4CSVriuUkyCbFbTAJW4C49dlut_xLpwWWrXr7c8q30FeD3X8NyNuLyLGOV7q5GDk1ZWOjFWWWEVbM3WCqPBn2x1sGnHvz7QR9JqTuw8hC8cbFEgKhIRLiwCTzQ4aCxr-acByZ-/s320/pay_debt.jpg" title="" width="320" /></a></div>
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<strong><span style="color: navy;">Save smartly</span></strong><br />
One of the easiest way to start being frugal is to activate the automatic transfer from your payroll account into your savings account. Most banks have this feature, just visit your bank and ask them how or call their customer service. You can start small and then gradually increase the deducted sum. This way, you don’t even notice how your assets grow month by month. Follow the principle of delayed gratification. It means you should avoid spontaneous expenditures but make purchases only after you’ve accumulated a certain sum of money. You can then splurge your money without guilt since you already paid yourself first in form of saving.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilso65J7UNIvJrVadtwnzYMBn6teLfBTF6lR3EUVtPA2LNukUpMusFcXM1CTUfAE3gM36cTdafcuf-QlM91nvmcFzlOgX6ZQd47XOkd79aXUUwjSo0syk20XP-0JMriceWw_b6YTZlCc2O/s1600/save_smartly.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Save smartly" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilso65J7UNIvJrVadtwnzYMBn6teLfBTF6lR3EUVtPA2LNukUpMusFcXM1CTUfAE3gM36cTdafcuf-QlM91nvmcFzlOgX6ZQd47XOkd79aXUUwjSo0syk20XP-0JMriceWw_b6YTZlCc2O/s320/save_smartly.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<span style="color: black;"><span style="color: navy;"><strong>Keep track of your budget</strong></span></span><br />
Even if you earn a lot of money and can afford anything (which may not be typical of young years, of course), you still should put some money by. You can challenge yourself with the following financial “scheme”. Promise yourself to put away a certain amount of cash each week. For example, you can start from 1,000 pesos per week and end up saving 52,000 pesos at then of the year!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjs2DsXy-yx8cryHvOvNpohK7AW65AcHW7rWjTJklr94iZXX5F6DDldRvLZsWRLugsXe9wfsRC_ieL_Mb-7dvqKAORz0MtrPd08KffGnahkT5dN_eMMTBGHB3o1rI0zadtDuW3_m_IJye5N/s1600/plan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjs2DsXy-yx8cryHvOvNpohK7AW65AcHW7rWjTJklr94iZXX5F6DDldRvLZsWRLugsXe9wfsRC_ieL_Mb-7dvqKAORz0MtrPd08KffGnahkT5dN_eMMTBGHB3o1rI0zadtDuW3_m_IJye5N/s320/plan.jpg" width="320" /></a></div>
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You also need to have a full control over your cash flow. In order to figure out whether you’ll be able to save something this month or will have enough to live, you should jot down your basic daily or monthly expenses. Check how much you spent each week so that you know where to switch on “Budgetarian” mode.</div>
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<br />
<strong><span style="color: navy;">Determine what you want</span></strong><br />
It’s human nature to have many needs and demands, but it’s important to prioritize them. If you want to go on a trip, you should start saving for it by cutting down some expenses. For example, you can do without Starbucks and brew coffee at home and take with you thus saving a good sum on it. Besides, most offices have free coffee nowadays! Each time you want to drop by a café, remember about your dream.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAWJlxpexVu8QMcg_Wlkq-fIpCIpUKYCoCEybqqZDpLaZs_UlGVbSwrEuGshCMarLYrPPLawfN2L8xjYkA2GyLUX1KGZcwUm6HHIZSyiILpa8ASeGyqypV7Vz-j8kXCHx9sC-u_YyhJj9e/s1600/millenial_dream.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Determine what you want" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAWJlxpexVu8QMcg_Wlkq-fIpCIpUKYCoCEybqqZDpLaZs_UlGVbSwrEuGshCMarLYrPPLawfN2L8xjYkA2GyLUX1KGZcwUm6HHIZSyiILpa8ASeGyqypV7Vz-j8kXCHx9sC-u_YyhJj9e/s320/millenial_dream.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<strong><span style="color: navy;">Reduce your expenses</span></strong><br />
A good way to save up is to spend less. Why buy an expensive jacket if you have a good one now and you can easily wait and buy it in a sale. There are a lot of discount coupons which can cut the price significantly. We spend much on food, so be frugal – many products can be bought in the bulk section for less.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizZwJ5i9Pff1gzSX56tz7WGJ52F7Gs_Fr1ondgtoDgnDnnQt3B5lsrU-vWTMVS5x757WsqNB0fUswYOeL7adrtUSH0ThCbu8CSI0h5R09JeqlrlHbiD3eLcaGhdyGVYxImnw7uzpjQBqXA/s1600/shopping.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Reduce your expenses" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizZwJ5i9Pff1gzSX56tz7WGJ52F7Gs_Fr1ondgtoDgnDnnQt3B5lsrU-vWTMVS5x757WsqNB0fUswYOeL7adrtUSH0ThCbu8CSI0h5R09JeqlrlHbiD3eLcaGhdyGVYxImnw7uzpjQBqXA/s320/shopping.jpg" title="" width="320" /></a></div>
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com2tag:blogger.com,1999:blog-2030247462978742260.post-947944643647738162017-10-24T13:40:00.000+08:002017-12-19T09:03:51.343+08:005 Basic Rules of Investing in Stocks<div style="text-align: justify;">
<span style="font-family: inherit;"></span> </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid8EY2SNXpQKTxk2JlGS-eFe5fGwEP6heGMU6bf9RWAcC36q6lgPA2iBJmuU-Sd6I1Ln8Pi85AeXotgCqpTXVoghMIURW9KsZBWaA_h9f7x-BqwwQ53Aw32Dx0mXd7had5LnwwaF-BWedm/s1600/invest_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Rules of Investing in Stocks" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid8EY2SNXpQKTxk2JlGS-eFe5fGwEP6heGMU6bf9RWAcC36q6lgPA2iBJmuU-Sd6I1Ln8Pi85AeXotgCqpTXVoghMIURW9KsZBWaA_h9f7x-BqwwQ53Aw32Dx0mXd7had5LnwwaF-BWedm/s320/invest_head.jpg" title="" width="200" /></a>If you're a seasoned trader or a disciplined investor already, kindly skip this post. You might even raise an eye brow with some of the things you'll read. You'll just get bored with all the usual stuffs you've been hearing since the day you knew about how to invest in stocks. </div>
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This post is for the newbies, who have finally started to invest but still want more guidance to make it work.</div>
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<span style="color: navy; font-family: inherit;"><strong></strong></span><br />
<span style="color: navy; font-family: inherit;"><strong>1. Commit Long Term</strong></span><br />
<div style="text-align: justify;">
<span style="font-family: inherit;">If the price of the stocks you bought went down, why worry? You're in for the long term! The price of that particular stock started from the bottom <em>anyway</em> and will only take some time to go up once again. This is simply because, historically, the market will eventually return to normal over time. This means that periods of market volatility or extreme dips never last forever. So it's important to have a clear plan and stick to it. Don't get hyped or discouraged by all the daily noise!</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6N-sCzAkU92A-ZPzkYgBJtvmimGJ0jqJiQbg6Dn1tS9xZ2ATPwmWpZoKYSHEurntOXZKFT4kQ-5lcpW-4fiQsNUe7gGzq207BEsC58jSYZxkjrjxRtxxSItTDR-PY7nEstfeQ-A-7mVII/s1600/commitment.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Investing - Commit Long Term" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6N-sCzAkU92A-ZPzkYgBJtvmimGJ0jqJiQbg6Dn1tS9xZ2ATPwmWpZoKYSHEurntOXZKFT4kQ-5lcpW-4fiQsNUe7gGzq207BEsC58jSYZxkjrjxRtxxSItTDR-PY7nEstfeQ-A-7mVII/s320/commitment.jpg" title="" width="320" /></a></div>
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<span style="color: red; font-family: inherit;"><strong>Don't chase after stock prices</strong></span></div>
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<strong><span style="color: red;"></span></strong> </div>
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<span style="font-family: inherit;">If the price of the stock is going up, wait...until it goes down, and then buy! As much as possible, don't buy if the price is already close to its 52-week or 30-day week high, mainly because this is when most traders cash in for gains. Also, don't buy if the price is going down. Buy when its already down! </span><br />
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<span style="color: navy; font-family: inherit;"><strong>2. Don't Put all your Eggs in one Basket</strong></span></div>
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<span style="font-family: inherit;">This might be a cliché<em>,</em> but some people still don't get it right. Diversifying your stocks portfolio means investing in different companies in across different sectors. However, you should consider limiting your choices to seven at most. Why? In case of a short market dip or correction, don't expect diversification to actually save you from losing your gains because you're practically invested on the same stock market. Instead, this allows you to take advantage of buying shares at a lower, if not bargain prices! However, If you have more than seven stocks in your portfolio, then the more cash you'll need to buy shares so you can do cost averaging.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNIthFDS4T0pZFHvbyyDf1CPidNszIyCiMiyQK7A0bzekiz1Bti26HPu6LjBVlOmy0DLePk9_IZQe063893RWaz4bBaYZ0kzh20CDu-Ex9y0asMCT9_xPn16ZULpVRbYgNAMEIt_CBcGsV/s1600/eggs.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Investing - Don't Put all eggs in one basket" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNIthFDS4T0pZFHvbyyDf1CPidNszIyCiMiyQK7A0bzekiz1Bti26HPu6LjBVlOmy0DLePk9_IZQe063893RWaz4bBaYZ0kzh20CDu-Ex9y0asMCT9_xPn16ZULpVRbYgNAMEIt_CBcGsV/s320/eggs.jpg" title="" width="320" /></a></div>
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<span style="color: navy; font-family: inherit;"><strong>3. Invest in Giants</strong></span></div>
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<span style="font-family: inherit;">Invest mainly in companies that compose the PSE index or what they refer to as <em>blue chips. </em>Check for their Free/Public Float Level (lowest 12%) and Market Capitalization. </span><br />
<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">As of today, here are those giants:</span><br />
<ul>
<li><span style="font-family: inherit;">AYALA CORPORATION (AC)</span></li>
<li><span style="font-family: inherit;">ABOITIZ EQUITY VENTURES, INC. (AEV)</span></li>
<li><span style="font-family: inherit;">ALLIANCE GLOBAL GROUP, INC. (AGI)</span></li>
<li><span style="font-family: inherit;">AYALA LAND, INC. (ALI)</span></li>
<li><span style="font-family: inherit;">ABOITIZ POWER CORP. (AP)</span></li>
<li><span style="font-family: inherit;">BDO UNIBANK, INC. (BDO)</span></li>
<li><span style="font-family: inherit;">DMCI HOLDINGS, INC. (DMC)</span></li>
<li><span style="font-family: inherit;">FIRST GEN CORPORATION (FGEN)</span></li>
<li><span style="font-family: inherit;">GLOBE TELECOM, INC. (GLO)</span></li>
<li><span style="font-family: inherit;">GT CAPITAL HOLDINGS, INC. (GTCAP)</span></li>
<li><span style="font-family: inherit;">INTERNAL CONTAINER TERMINAL SERVICES, INC. (ICT)</span></li>
<li><span style="font-family: inherit;">JOLLIBEE FOODS CORPORATION (JFC)</span></li>
<li><span style="font-family: inherit;">JG SUMMIT HOLDINGS, INC. (JGS)</span></li>
<li><span style="font-family: inherit;">LT GROUP, INC. (LTG)</span></li>
<li><span style="font-family: inherit;">METROPOLITAN BANK & TRUST COMPANY (MBT)</span></li>
<li><span style="font-family: inherit;">MEGAWORLD CORPORATION (MEG)</span></li>
<li><span style="font-family: inherit;">MANILA ELECTRIC COMPANY (MPI)</span></li>
<li><span style="font-family: inherit;">METRO PACIFIC INVESTMENTS CORPORATION (MPI)</span></li>
<li><span style="font-family: inherit;">PETRON CORPORATION (PCOR)</span></li>
<li><span style="font-family: inherit;">PUREGOLD PRICE CLUB, INC. (PGOLD)</span></li>
<li><span style="font-family: inherit;">ROBINSONS RETAIL HOLDINGS, INC. (RRHI)</span></li>
<li><span style="font-family: inherit;">SEMIRARA MINING AND POWER CORPORATION (SCC)</span></li>
<li><span style="font-family: inherit;">SECURITY BANK CORPORATION (SECB)</span></li>
<li><span style="font-family: inherit;">SM INVESTMENTS CORPORATION (SM)</span></li>
<li><span style="font-family: inherit;">SAN MIGUEL CORPORATION (SMC)</span></li>
<li><span style="font-family: inherit;">SM PRIME HOLDINGS, INC. (SMPH)</span></li>
<li><span style="font-family: inherit;">PLDT INC. (TEL)</span></li>
<li><span style="font-family: inherit;">UNIVERSAL ROBINA CORPORATION (URC)</span></li>
</ul>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvpbUMjfeINOwPK_YI3YpekSIUbXSEouv09r0aJDJpWjzyMGZ3uN5Y9IjwEwqta6QlG6y0p3wpHIMDCrddKQ8fSFanUHatX8Zwmf6Gg_y5W0aSLcX95HHaMJFiq-XQvSsWJKTBwt2Q8w28/s1600/giants.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Investing - Invest in Giants" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvpbUMjfeINOwPK_YI3YpekSIUbXSEouv09r0aJDJpWjzyMGZ3uN5Y9IjwEwqta6QlG6y0p3wpHIMDCrddKQ8fSFanUHatX8Zwmf6Gg_y5W0aSLcX95HHaMJFiq-XQvSsWJKTBwt2Q8w28/s320/giants.jpg" title="" width="320" /></a></div>
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In addition, most of these giants give dividends to their share holders. Dividends can either lessen your negative or red Profit/Loss column or add up to your profits. So choose stocks that yield dividends, because this will challenge the company management to strive for the better.</div>
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<span style="color: navy; font-family: inherit;"><strong>4. Master your Emotions</strong></span><br />
Have you heard of the phrase “Emotionless Trading”? While it's pretty much self explanatory, it's still a different case when you're dealing with yourself because basic human emotion is perhaps the greatest enemy of successful investing. If you see a stock price go down, and your <em>greed</em> tells you that you should take advantage of it, will you listen to it? If you see another stock and starts to take an upward momentum and your <em>fear</em> of being left out tells you that you should chase it before it gets too high, will you follow it? “Emotionless Trading” means not listening to any of both. Instead, you stick to your buy-hold-sell strategy. You buy when the price reaches your target entry point and you sell when the price reaches either your target gain or cut-loss points.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9Ld02LKbo8ybcXUg9ywMLWHWNP8e8Fb1xFAA29EU6M2d14hhPHjIVWcKxbVIb7rx8xnsMdOiciHCAvHXH6n4BB0goCCfflNFSlgK24B5u_CTk0bc686LGyem_8a6i1XR4Zja3-t9GWdRB/s1600/emotion.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Investing - Master your emotions" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9Ld02LKbo8ybcXUg9ywMLWHWNP8e8Fb1xFAA29EU6M2d14hhPHjIVWcKxbVIb7rx8xnsMdOiciHCAvHXH6n4BB0goCCfflNFSlgK24B5u_CTk0bc686LGyem_8a6i1XR4Zja3-t9GWdRB/s320/emotion.jpg" title="" width="320" /></a></div>
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By contrast, a disciplined approach to trading - whether you're a long-term investor or trader - is definitely key to lock in profits.<br />
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<span style="color: navy; font-family: inherit;"><strong>5. Know the P8,000 Rule</strong></span><br />
Online stock brokers, such as BPI Trade and Citisec Online, have a commission rate of at least 0.25% on the gross value or a minimum of 20 pesos (whichever is higher). Basic Math would then tell you that this commission rate is actually equal to P20.00 when you invest P8,000. Let's make it graphic:<br />
<br />
If you invest five thousand pesos, the commission rate is 0.25% * P8,000 = P12.50<br />
However, the <u>minimum commission rate is P20.</u> And since P20 is higher than P12.50, you will still be charged P20 for your buy or sell transaction.<br />
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Now if you invest eight thousand pesos, the commission rate is 0.25% * P8,000 = P20<br />
Therefore, by placing an order of at least P8,000, you're able to maximize the commission cost.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiFHIWwpfwqDygRW6Imv5friesCL38QOsz9xBU5pDrK7O7Pnsz-bOwxivTYuE3f7-H23_UzP40-GBqmwD0LnY93n1z1iFigA29s_EfZUwdghTCd4N88_ufFtZ3Y_kOcKaz4p4nAgk4GCfB/s1600/idea.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Investing - Rule of 8000" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiFHIWwpfwqDygRW6Imv5friesCL38QOsz9xBU5pDrK7O7Pnsz-bOwxivTYuE3f7-H23_UzP40-GBqmwD0LnY93n1z1iFigA29s_EfZUwdghTCd4N88_ufFtZ3Y_kOcKaz4p4nAgk4GCfB/s320/idea.jpg" title="" width="320" /></a></div>
<span style="color: navy; font-family: inherit;"><strong></strong></span><br />
<span style="color: navy; font-family: inherit;"><strong>Bonus</strong></span></div>
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<span style="font-family: inherit;">Unless you invested a really huge amount and waited at least <em>x</em> years after, investing in stocks with one-time opening of less than 6 digits won't make a fortune (unless you're into trading, of course). So again, make it a habit to save and invest regularly.</span><br />
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Profhttp://www.blogger.com/profile/03132029723979731965noreply@blogger.com34tag:blogger.com,1999:blog-2030247462978742260.post-37988548700097387682017-10-17T10:24:00.000+08:002017-12-19T09:03:55.227+08:00The Buddha and the Beggar<div style="text-align: justify;">
<span style="font-family: inherit;"></span> </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizU7kcNDg6BETe3RWLmPgQ_theUOCFNsyVZcuV6FjhibEqUdtWsKD6LXsgJOUhEsEHMcC8J3kwu87VkUrSXKYHAZVg8YW931Hqz1bQ_L8TKHkmqWfDQ3ic1U7ymhM_uMHEZAOfA3bZDmzf/s1600/buddha_head.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="The Buddha and the Beggar" border="0" data-original-height="630" data-original-width="1200" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizU7kcNDg6BETe3RWLmPgQ_theUOCFNsyVZcuV6FjhibEqUdtWsKD6LXsgJOUhEsEHMcC8J3kwu87VkUrSXKYHAZVg8YW931Hqz1bQ_L8TKHkmqWfDQ3ic1U7ymhM_uMHEZAOfA3bZDmzf/s320/buddha_head.jpg" title="" width="200" /></a><span style="font-family: inherit;">From moral lessons to the many realizations that they bring, stories are really entertaining and powerful way to make us rethink life as we may have already know it.</span></div>
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<span style="font-family: inherit;"></span><br /></div>
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<span style="font-family: inherit;">Here's a short story that anonymously originated in Thailand about a homeless man and the Buddha. But instead of writing my own thoughts and realizations on this one, I'll let you have them on your own this time. </span></div>
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<span style="font-family: inherit;"></span><br />
<span style="font-family: inherit;">There was a homeless young man who had been trying to gather food but kept noticing that everyday his food disappears. </span></div>
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<span style="font-family: inherit;">Until one day, he finally found the reason. He caught a mouse that kept stealing his food! But he felt more confused than mad. “Why are you stealing from me? I am just a homeless man. Why not steal from rich people instead? I'm sure it won't affect them.”, asked the beggar.</span></div>
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<span style="font-family: inherit;">The mouse answered, “Maybe it's in your destiny that you can only have eight items in your possession. No matter how much you beg, no matter how much you gather, this is all you'll be able to have.”</span></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">The homeless man was shocked and said, “and why is that my destiny?”</span></div>
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<span style="font-family: inherit;">The mouse replied, “I don't know. Maybe you should try asking the Buddha.”</span></div>
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<span style="font-family: inherit;">So the homeless man went on his journey to find the Buddha. </span><span style="font-family: inherit;">On the third day, he was really tired and starving. He was about to give-up when he saw a house from a distance. H</span><span style="font-family: inherit;">e ended up at a wealthy family's house and asked them if he could stay for a night. </span><span style="font-family: inherit;">They let him in and asked, “Why are you traveling so late?”</span></div>
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<span style="font-family: inherit;">The young man replied, “I have a question for the Buddha, and tomorrow I'll continue on my way.” </span></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">The father of the family then said, “We don't want to take advantage, but if it's not too much to ask for, can we give you a question to ask the Buddha as well?”</span></div>
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<span style="font-family: inherit;"></span> </div>
<div style="text-align: justify;">
<span style="font-family: inherit;">“Sure. What is it that you want to me to ask for you?”</span></div>
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</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">“We have an eighteen year old daughter who can't speak. We just want to ask, 'What do we have to do to make her speak?'”</span></div>
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<span style="font-family: inherit;">The homeless man agreed and thanked them for the shelter, “Of course, I'll ask this question for you.”</span></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">The next morning he left and continued on his journey. The wealthy family even gave him food to eat for his journey. After hours of walking, he </span><span style="font-family: inherit;">saw a sea of mountains that he had to cross. </span><span style="font-family: inherit;">He climbed up one mountain where he met a wizard. </span><span style="font-family: inherit;">The wizard decided to use his magical staff </span><span style="font-family: inherit;">to take the young man and flew them across the sea of mountains. The w</span><span style="font-family: inherit;">izard asked the young man, “Where are you going? </span><span style="font-family: inherit;">Why are you deciding to cross these mountains?”</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitnup52qO-uhQ1awxoR49cOYW2aysiEIbe_8j9LbvxVHxItsmhcOEQuQA-8rML2GZSL5UMHbqGZtb4vHE22JPIqli9LrrcGLwxl8prp1fzDn7umRTOGirvgo8lkRHRuV4UwHws8TJfr2XV/s1600/wizard.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Wizard with Staff" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitnup52qO-uhQ1awxoR49cOYW2aysiEIbe_8j9LbvxVHxItsmhcOEQuQA-8rML2GZSL5UMHbqGZtb4vHE22JPIqli9LrrcGLwxl8prp1fzDn7umRTOGirvgo8lkRHRuV4UwHws8TJfr2XV/s320/wizard.jpg" title="" width="320" /></a></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">The young man replied, “I'm going to ask the Buddha a question about my destiny”. </span><span style="font-family: inherit;">Amazed by the young man's courage, the wizard then told him, “Can I please give a you a question to ask the Buddha? </span><span style="font-family: inherit;">I've been trying to go to heaven for a thousand years already. According to my own teachings, I should be able to go to heaven now. So can you please ask the Buddha what do I have to do to get to heaven?”</span></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">“Of course, I'll ask this question for you.”, said the beggar. Finally, on the fifth day, </span><span style="font-family: inherit;">he ran into his last obstacle - a river that no man can cross.</span></div>
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<br />
<span style="font-family: inherit;">As faith would have it, he met a giant turtle, who decided to take him across the river. </span><span style="font-family: inherit;">As they're crossing the river, the turtle asked, “Where are you going?”</span></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">The young man replied, “I'm going to see the Buddha and ask a question about my destiny.”</span></div>
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<br />
<span style="font-family: inherit;">The turtle then said, “Oh, can you please ask a question for me too?”</span></div>
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<div style="text-align: justify;">
<span style="font-family: inherit;">“You see, I've been trying to become a dragon for more than 100 years now. According to my teachings, I should have become a dragon by now. Would you please ask the Buddha, 'what do I have to do to become a dragon?”</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6a57Vq-clpvDNGmhsHL1gKcnz0Iv2lmhVPwDWVQNALS4VohumU4nQ3tP42XknSVi_c_ApGEESvaqH-E-AYQP-E1W_kmS8b7mEv1Dt-CQNr8GzZ1RJ0OIw_TTLvMGMOs6cvRrkC-TI8aKQ/s1600/dragon_turtle.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Dragon Turtle" border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6a57Vq-clpvDNGmhsHL1gKcnz0Iv2lmhVPwDWVQNALS4VohumU4nQ3tP42XknSVi_c_ApGEESvaqH-E-AYQP-E1W_kmS8b7mEv1Dt-CQNr8GzZ1RJ0OIw_TTLvMGMOs6cvRrkC-TI8aKQ/s320/dragon_turtle.jpg" title="" width="320" /></a></div>
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<span style="font-family: inherit;">The young man thanked the turtle for taking him across the river and said, “Of course, I'll ask your question for you.”</span></div>
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<span style="font-family: inherit;">The homeless man finally met the Buddha. However, he was saddened by what he heard. “</span><span style="font-family: inherit;">I will answer three questions for everybody here. But only three questions.” </span><span style="font-family: inherit;">The young man was in disbelief, for he has four questions to ask.</span></div>
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<span style="font-family: inherit;">So he thought carefully.</span></div>
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<span style="font-family: inherit;">He thought about the turtle who has been living for a hundred years trying to become a dragon, the wizard who has been living for a thousand years trying to get to heaven, and the girl who has never spoke a single word her whole life. </span></div>
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<span style="font-family: inherit;">Then he looked at himself and said, “I may just be homeless beggar now, but I can just go back home and start working harder to change my faith somehow. So as he looked at everyone else's problems, he realized that his problem suddenly seemed so small. </span><span style="font-family: inherit;">He felt sorry for the turtle, the wizard and the lady. </span></div>
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<span style="font-family: inherit;">So he decided to ask all of their questions. </span></div>
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<span style="font-family: inherit;">The Buddha answered:</span></div>
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<span style="font-family: inherit;">“The turtle is unwilling to leave his shell. As long as he's unwilling to leave the comfort of his shell, he will never become a dragon.”</span></div>
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<span style="font-family: inherit;">“The wizard always carries his staff and never puts it down. It acts as an anchor, keeping him from heaven.”</span></div>
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<span style="font-family: inherit;">“And as for the girl, she'll be able to speak when she meets her soulmate.”</span></div>
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<span style="font-family: inherit;">The homeless man bowed to the Buddha and went on his journey back home. </span><span style="font-family: inherit;">When he was reunited wit the giant turtle, he happily shared the answer to his question, “Hey, you just have to take off your shell and you'll become a dragon!”</span></div>
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<span style="font-family: inherit;">The turtle then took off his shell. Inside his shell were priceless pearls found in the deepest parts of the ocean. </span><span style="font-family: inherit;">He gave them to the young man and told him, “Thank you. I no longer need these for I am now a dragon!”, and flew away. </span></div>
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<span style="font-family: inherit;">On the mountains, the homeless man saw the wizard again and said, “You just have to put down your staff and you'll be able to go to heaven.”</span></div>
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<span style="font-family: inherit;">The wizard let go of his staff by giving it to the young man and said, “Thank you.” as he ascended to heaven. </span><span style="font-family: inherit;">The you man now has the wealth from the turtle and the power from the wizard.</span></div>
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<span style="font-family: inherit;">Finally, he went back to the family that gave him shelter. </span><span style="font-family: inherit;">He told them what the Buddha said, “</span><span style="font-family: inherit;">Your daughter will be able to speak when she meets her soulmate.”</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigsJTZ5W0jt96EujNPqoVE-g9Rq__5zJ6mYBbMNhujik6C4MCb7GBbNzw80dD-bn_IsCDRhj0l7hAEf9d7LSyAtg8ZsYWWvIKPx-hgIX7P8B7ysz3c8gqSfbSq0grn6hM4TU5K-I0nLOqF/s1600/lady.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="255" data-original-width="495" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigsJTZ5W0jt96EujNPqoVE-g9Rq__5zJ6mYBbMNhujik6C4MCb7GBbNzw80dD-bn_IsCDRhj0l7hAEf9d7LSyAtg8ZsYWWvIKPx-hgIX7P8B7ysz3c8gqSfbSq0grn6hM4TU5K-I0nLOqF/s320/lady.jpg" width="320" /></a></div>
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<span style="font-family: inherit;">And at that moment, </span><span style="font-family: inherit;">the daughter came downstairs and to everyone's surprise said, “</span><span style="font-family: inherit;">Is that the man that was here last week?”</span><br />
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