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THE FIVE ADVANTAGES OF FRANCHISING A BUSINESS A ready and tested business model. One of the most challenging tasks in starting a business is engineering the processes within. When you buy a franchise, you are automatically getting an already running and proven effective business model.And all you HOW TO FIND THE HERO WITHIN YOU How To Find The Hero Within You. A neurosurgeon is preparing to remove a tumor inside the brain of a patient. After doing his surgical scrub, he stands for a few minutes just outside the operating room with legs apart, arms on hips, and elbows bent, while gazing blankly to the ceiling as if he’s Superman and about to fly. 14 MISTAKES AND MISCONCEPTIONS ABOUT INVESTING IN THE And with this thought, a lot of misconceptions about investing in the stock market follows. Today, we’ll talk about 14 of these myths and misconceptions. 1. I need a lot of money to invest in the stock market. The minimum investment has significantly gone down through the years. Today, you only need P1,000 to open an account for most DIGITAL BANKING IN THE PHILIPPINES: BEST FEATURES AND LIST "Digital banking is the future of savings accounts," claims a friend working in Singapore. I'm not surprised by his statement, for Singapore has the highest penetration rate for digital banks in ASEAN. That's according to a GLOBAL MARKETS ARE DOWN: WHAT CAN YOU DO? Global Markets are Down: What Can You Do? Global markets have been like a rollercoaster for the past several weeks. After the initial downturn because of the coronavirus or COVID 19, markets had been recovering for 2 weeks. However, the end of last week saw prices turned red yet again. Last February 24 was bloody, all major marketsopened and
WHERE TO INVEST 2021 PHILIPPINES ARCHIVES Guide to Investing and Growing Your Wealth in 2021. Investing. January 4, 2021 Fitz 2 comments. The beginning of this year is unlike recent years, especially for Filipinos. The country is in an economic recession, with politically-divided citizens, and navigating through a pandemic. Despite this, in Continue reading. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ONFITZVILLAFUERTE.COM
THE FIVE ADVANTAGES OF FRANCHISING A BUSINESS A ready and tested business model. One of the most challenging tasks in starting a business is engineering the processes within. When you buy a franchise, you are automatically getting an already running and proven effective business model.And all you HOW TO FIND THE HERO WITHIN YOU How To Find The Hero Within You. A neurosurgeon is preparing to remove a tumor inside the brain of a patient. After doing his surgical scrub, he stands for a few minutes just outside the operating room with legs apart, arms on hips, and elbows bent, while gazing blankly to the ceiling as if he’s Superman and about to fly. 14 MISTAKES AND MISCONCEPTIONS ABOUT INVESTING IN THE And with this thought, a lot of misconceptions about investing in the stock market follows. Today, we’ll talk about 14 of these myths and misconceptions. 1. I need a lot of money to invest in the stock market. The minimum investment has significantly gone down through the years. Today, you only need P1,000 to open an account for most DIGITAL BANKING IN THE PHILIPPINES: BEST FEATURES AND LIST "Digital banking is the future of savings accounts," claims a friend working in Singapore. I'm not surprised by his statement, for Singapore has the highest penetration rate for digital banks in ASEAN. That's according to a GLOBAL MARKETS ARE DOWN: WHAT CAN YOU DO? Global Markets are Down: What Can You Do? Global markets have been like a rollercoaster for the past several weeks. After the initial downturn because of the coronavirus or COVID 19, markets had been recovering for 2 weeks. However, the end of last week saw prices turned red yet again. Last February 24 was bloody, all major marketsopened and
WHERE TO INVEST 2021 PHILIPPINES ARCHIVES Guide to Investing and Growing Your Wealth in 2021. Investing. January 4, 2021 Fitz 2 comments. The beginning of this year is unlike recent years, especially for Filipinos. The country is in an economic recession, with politically-divided citizens, and navigating through a pandemic. Despite this, in Continue reading. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
5 COMMON TRAITS OF FINANCIALLY SECURE INDIVIDUALS Updated: June 10, 2021. It’s a good feeling to be financially secure.That is to be in a place where you’re not worried about money because you have stable sources of income and you’re optimistic about reaching your goals in life. FREE ONLINE SEMINAR: XTB INVESTING DAY 2021 DETAILS. What: An online seminar about investing for beginners When: June 26, 2021 – 4:00 PM to 5:30 PM (Manila time) How much: FREE HOWTO
25 GOOD BUSINESS IDEAS TO START DURING AND AFTER THE LOCKDOWN Cleaning services. Home-service barber / salon. Home-service spa and nail service. Work-from-home and outsourcing agency. I’m very sure that there are many other good business ideas out there that would do well during these challenging times,XTB ARCHIVES
Where should I invest? What’s the best investment today? Is cryptocurrency a good investment? How can I invest in U.S. stocks? These are the questions that I’ve been receiving a READY TO BE RICH BY FITZ VILLAFUERTE I’m Inviting You to Attend the Financial Fitness Forum 2021. Announcements. News and Events. March 4, 2021 Fitz 1 comment. The Financial Fitness Forum is a one-day personal finance event organized by RFP Philippines and this year, it’s an online event happening from March 25-27, 2021. BUSINESS CAPITAL SOURCES: THE PROS AND CONS OF EACH Advantages of Working with a VC. You’re most likely to get the exact business capital you need. Most VC’s can become mentors and you’ll get free business consultation. VC’s have a business network which your business could leverage on. VC’s will have vested interest in the success of the company. Thus, getting growth funding is GAP ANALYSIS FOR PERSONAL AND BUSINESS DEVELOPMENT Gap Analysis For Personal and Business Development. Gap analysis is a simple but useful tool that helps individuals and businesses achieve their objectives and improve their performance. It is a study that enables an entity to find ways on how to “bridge the gap” between the actual and the desired. Gap analysis has many applications. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Updated: August 12, 2020. The food business remains as one of the top industries that entrepreneurs consider highly profitable. After all, food is a basic necessity; and with that stable market comes goodearning potential.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THE A simple setup would cost around P15,000 while a grand service can cost as much as P500,000. On average, the total amount of P150,000 would be a reasonable figure. If not included in the funeral package, expect to spend on these additional costs: Casket: Between P3,000 to P100,000 – P50,000 on average. Cremation: Between P10,000 to P50,000 THE BEST INSURANCE COMPANY IN TERMS OF INVESTMENTS Proper financial planning is a 3-step process. Have the habit of saving first, make sure that you’re living below your means. Second, ensure proper protection with an emergency fund, health insurance, and life insurance. And third, grow your wealth BUYING NON-ESSENTIALS: HOW TO KNOW IF IT'S WORTH IT Avoid accumulating useless stuff. You don’t want clutter to build up in your home because studies show that it affects one’s productivity and mental health. 3. Is it durable? Even if it’s non-essential, you don’t want to keep buying something because it keeps breaking. Moreover, buying a brand or model that’s durable makes it possible PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ONFITZVILLAFUERTE.COM
14 MISTAKES AND MISCONCEPTIONS ABOUT INVESTING IN THE And with this thought, a lot of misconceptions about investing in the stock market follows. Today, we’ll talk about 14 of these myths and misconceptions. 1. I need a lot of money to invest in the stock market. The minimum investment has significantly gone down through the years. Today, you only need P1,000 to open an account for most BUSINESS CAPITAL SOURCES: THE PROS AND CONS OF EACH Advantages of Working with a VC. You’re most likely to get the exact business capital you need. Most VC’s can become mentors and you’ll get free business consultation. VC’s have a business network which your business could leverage on. VC’s will have vested interest in the success of the company. Thus, getting growth funding is WHERE TO INVEST 2021 PHILIPPINES ARCHIVES Guide to Investing and Growing Your Wealth in 2021. Investing. January 4, 2021 Fitz 2 comments. The beginning of this year is unlike recent years, especially for Filipinos. The country is in an economic recession, with politically-divided citizens, and navigating through a pandemic. Despite this, in Continue reading. IMG LAUNCHES THE FINANCIAL FOUNDATION EDUCATION PROGRAM Updated: April 14, 2020. I became a member of IMG in 2012 and I could say that it’s one of the best decisions I’ve done in my life.. For the past few years that I’ve been with them, I can definitely say that they are among the very few organizations who are DIGITAL BANKING IN THE PHILIPPINES: BEST FEATURES AND LIST "Digital banking is the future of savings accounts," claims a friend working in Singapore. I'm not surprised by his statement, for Singapore has the highest penetration rate for digital banks in ASEAN. That's according to a IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
INVESTING IN UITF VS VUL: ANSWERING A READER'S QUESTION If you need life insurance, buy term insurance — it’s cheaper. If you need investments, invest directly in a UITF, mutual fund, bonds, or the stock market — you’ll earn more. Now, if you need both, then get them separately — you’ll have higher control of yourmoney. 4.
BUYING NON-ESSENTIALS: HOW TO KNOW IF IT'S WORTH IT Avoid accumulating useless stuff. You don’t want clutter to build up in your home because studies show that it affects one’s productivity and mental health. 3. Is it durable? Even if it’s non-essential, you don’t want to keep buying something because it keeps breaking. Moreover, buying a brand or model that’s durable makes it possible PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ONFITZVILLAFUERTE.COM
14 MISTAKES AND MISCONCEPTIONS ABOUT INVESTING IN THE And with this thought, a lot of misconceptions about investing in the stock market follows. Today, we’ll talk about 14 of these myths and misconceptions. 1. I need a lot of money to invest in the stock market. The minimum investment has significantly gone down through the years. Today, you only need P1,000 to open an account for most BUSINESS CAPITAL SOURCES: THE PROS AND CONS OF EACH Advantages of Working with a VC. You’re most likely to get the exact business capital you need. Most VC’s can become mentors and you’ll get free business consultation. VC’s have a business network which your business could leverage on. VC’s will have vested interest in the success of the company. Thus, getting growth funding is WHERE TO INVEST 2021 PHILIPPINES ARCHIVES Guide to Investing and Growing Your Wealth in 2021. Investing. January 4, 2021 Fitz 2 comments. The beginning of this year is unlike recent years, especially for Filipinos. The country is in an economic recession, with politically-divided citizens, and navigating through a pandemic. Despite this, in Continue reading. IMG LAUNCHES THE FINANCIAL FOUNDATION EDUCATION PROGRAM Updated: April 14, 2020. I became a member of IMG in 2012 and I could say that it’s one of the best decisions I’ve done in my life.. For the past few years that I’ve been with them, I can definitely say that they are among the very few organizations who are DIGITAL BANKING IN THE PHILIPPINES: BEST FEATURES AND LIST "Digital banking is the future of savings accounts," claims a friend working in Singapore. I'm not surprised by his statement, for Singapore has the highest penetration rate for digital banks in ASEAN. That's according to a HOW TO PURSUE YOUR PASSION WITH ANTOINETTE JADAONE AND Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. Sign up with Flint here and earn from the first, tech-enabled low-cost Philippine real estate BUSINESS CAPITAL SOURCES: THE PROS AND CONS OF EACH Advantages of Working with a VC. You’re most likely to get the exact business capital you need. Most VC’s can become mentors and you’ll get free business consultation. VC’s have a business network which your business could leverage on. VC’s will have vested interest in the success of the company. Thus, getting growth funding is HOW TO PURSUE YOUR PASSION ARCHIVES Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big FENG SHUI TIPS FOR BUSINESS LUCK AND SUCCESS Business Feng Shui Tips. I’m not a big fan of feng shui but I follow it whenever it is practical. This means that if a feng shui tip makes pragmatic sense, easy to do, or inexpensive to implement, then it’s okay for me to do the tips or advice. LIST OF INVESTMENTS FOR PASSIVE DIVIDEND INCOME IN THE For an individual, putting money in dividend-paying investments is the easiest and fastest way to create passive income for themselves. And here’s a list of investments that you can choose if you want to earn dividend income. 1. Private Equity. Basically, this means becoming a WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE? First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
INVESTING IN PERA THROUGH BDO ONLINE Updated: September 19, 2020. PERA or the Personal Equity and Retirement Account is an investment specifically designed to build your retirement fund. It’s been available since early 2018. I actually already invested in PERA through BPI when they offered it because it was more convenient for me to open the account with them.. But apart from BPI, the one other financial institution currently HOW TO MAKE MONEY FROM YOUR PODCAST EVEN IF YOU HAVE LESS How to Earn From Podcasting. 1. Work with sponsors. This is the most obvious way to make money from your podcast. But it’s also the most difficult to do in my opinion because most brands are used to working with publishers with large numbers. 5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
READY TO BE RICH BY FITZ VILLAFUERTE The Four-Way Test of Spending. Money Saving Tips. Personal Finance. May 1, 2021 Fitz No comments. The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4questions.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ON FITZVILLAFUERTE.COMCOST OF FUNERAL IN PHILIPPINESCREMATION COST IN VIRGINIACREMATION COSTS IN CALIFORNIACREMATION COSTS IN CT WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE?WHAT HAPPENS TO YOU AFTER YOU DIEWHAT TO LOOK FOR WHEN BUYING STOCKWHAT DO YOU SEE WHEN YOU DIEWHAT IS IT LIKE WHEN YOU DIEWHAT REALLY HAPPENS WHEN YOU DIEWHAT DO PEOPLE SEE WHEN THEY DIE First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINESBDO MUTUAL FUNDS PHILIPPINESBEST MUTUAL FUNDS IN INDIABEST MUTUAL FUNDS PHILIPPINESMUTUAL FUNDS PHILIPPINES PERFORMANCEBEST MUTUAL FUNDS FOR NEW INVESTORSMUTUAL FUNDS TO BUY There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEYWAYS TO SAVE ON ELECTRICITYHOW TO SAVE ELECTRICITY AT HOMEHOW TO SAVE ELECTRICITY LISTHOW TO SAVE MONEY ON ELECTRICITY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big WHAT WOULD HAPPEN IF WE REDISTRIBUTE WEALTH EQUALLY TO Because when it comes to building wealth, it’s the financial education, and its proper execution that really matters. So after the redistribution, the previously poor people will probably commit money mistakes and acquire liabilities because they don’t know how to manage their finances. Meanwhile, those who used to be self-mademillionaires
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
6 GENUINE BENEFITS OF HAVING A BANK SAVINGS ACCOUNT 1. There’s no bank near them. This is especially true in rural areas and provinces in the Philippines, where the nearest bank is at least an hour away. It’s inconvenient and impractical for them to open one. 2. They can’t afford it. Some people can’t afford to open a savings account. They either have no source of income, or they’re IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
READY TO BE RICH BY FITZ VILLAFUERTE The Four-Way Test of Spending. Money Saving Tips. Personal Finance. May 1, 2021 Fitz No comments. The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4questions.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ON FITZVILLAFUERTE.COMCOST OF FUNERAL IN PHILIPPINESCREMATION COST IN VIRGINIACREMATION COSTS IN CALIFORNIACREMATION COSTS IN CT WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE?WHAT HAPPENS TO YOU AFTER YOU DIEWHAT TO LOOK FOR WHEN BUYING STOCKWHAT DO YOU SEE WHEN YOU DIEWHAT IS IT LIKE WHEN YOU DIEWHAT REALLY HAPPENS WHEN YOU DIEWHAT DO PEOPLE SEE WHEN THEY DIE First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINESBDO MUTUAL FUNDS PHILIPPINESBEST MUTUAL FUNDS IN INDIABEST MUTUAL FUNDS PHILIPPINESMUTUAL FUNDS PHILIPPINES PERFORMANCEBEST MUTUAL FUNDS FOR NEW INVESTORSMUTUAL FUNDS TO BUY There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEYWAYS TO SAVE ON ELECTRICITYHOW TO SAVE ELECTRICITY AT HOMEHOW TO SAVE ELECTRICITY LISTHOW TO SAVE MONEY ON ELECTRICITY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big WHAT WOULD HAPPEN IF WE REDISTRIBUTE WEALTH EQUALLY TO Because when it comes to building wealth, it’s the financial education, and its proper execution that really matters. So after the redistribution, the previously poor people will probably commit money mistakes and acquire liabilities because they don’t know how to manage their finances. Meanwhile, those who used to be self-mademillionaires
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
6 GENUINE BENEFITS OF HAVING A BANK SAVINGS ACCOUNT 1. There’s no bank near them. This is especially true in rural areas and provinces in the Philippines, where the nearest bank is at least an hour away. It’s inconvenient and impractical for them to open one. 2. They can’t afford it. Some people can’t afford to open a savings account. They either have no source of income, or they’re IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
BUYING NON-ESSENTIALS: HOW TO KNOW IF IT'S WORTH IT There's no debate on how we should prioritize our necessities, to make sure that we first spend on our NEEDS before our WANTS. After successfully budgeting for our necessary expenses, it feels good tohave money
HOW TO PURSUE YOUR PASSION WITH ANTOINETTE JADAONE AND Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. Sign up with Flint here and earn from the first, tech-enabled low-cost Philippine real estate MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINES There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. TOP PESO EQUITY MUTUAL FUNDS IN THE PHILIPPINES First, let’s look at the best-performing peso equity mutual funds in the Philippines every year since 2011 until 2015: YEAR 2011. PESO STOCK MUTUAL FUND. 2011 RETURN. First Metro Save and Learn Equity Fund. 8.18%. Philequity PSE Index Fund, Inc. 8.17%. Philequity Fund,Inc.
HOW TO WRITE A LAST WILL AND TESTAMENT: BASIC FACTS AND What is a Will? At the most basic level, a will is a legal document that tells how a person wants to distribute his estate upon his death. The person creating the will is called the testator, and it must be written in a language or dialect that is known to him. HOW TO PURSUE YOUR PASSION ARCHIVES Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. HOW TO UPGRADE YOUR LIFESTYLE WHEN YOU START EARNING MORE Know exactly how much you’re earning. Decide how much of it you’ll save and invest monthly, and then create a budget for your needs with what’s left. This is what many financial advocates refer to as paying yourself first, where your Income less Savings equals your Expenses. And it is a great formula to follow if you want to becomewealthy.
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST Updated: May 21, 2021. I had the chance to talk to future retirees during a recent speaking engagement. Among the topics that we discussed were the biggest financial mistakes that they regret, now that they’re in their 50’s. HOW TO WRITE A BUSINESS LETTER OF INTENT TO RENT OR LEASE ABC Mall. Dear Ms. dela Cruz, XYZ Foods would like to present this Letter of Intent to signify our interest in leasing a commercial space inside ABC Mall. We are the business behind the food cart, W Burgers, which has been selling gourmet hamburgers since 2004. Our products include a variety of hamburger sandwiches and burger rice meals. MBLIFE MOST 18: MULTIPLE OPTION SUPER TERM LIFE INSURANCE MBLife MOST 18 is a term life insurance product with PDF or Premium Deposit Fund. MOST stands for Multiple Option Super Term and it’s a life insurance product that covers you for 18 years, thus the name MOST 18. It’s a product by Manila Bankers Life Insurance Corporation, and launched in partnership with IMG to provide Filipinofamilies
READY TO BE RICH BY FITZ VILLAFUERTE The Four-Way Test of Spending. Money Saving Tips. Personal Finance. May 1, 2021 Fitz No comments. The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4questions.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ON FITZVILLAFUERTE.COMCOST OF FUNERAL IN PHILIPPINESCREMATION COST IN VIRGINIACREMATION COSTS IN CALIFORNIACREMATION COSTS IN CT WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE?WHAT HAPPENS TO YOU AFTER YOU DIEWHAT TO LOOK FOR WHEN BUYING STOCKWHAT DO YOU SEE WHEN YOU DIEWHAT IS IT LIKE WHEN YOU DIEWHAT REALLY HAPPENS WHEN YOU DIEWHAT DO PEOPLE SEE WHEN THEY DIE First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINESBDO MUTUAL FUNDS PHILIPPINESBEST MUTUAL FUNDS IN INDIABEST MUTUAL FUNDS PHILIPPINESMUTUAL FUNDS PHILIPPINES PERFORMANCEBEST MUTUAL FUNDS FOR NEW INVESTORSMUTUAL FUNDS TO BUY There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEYWAYS TO SAVE ON ELECTRICITYHOW TO SAVE ELECTRICITY AT HOMEHOW TO SAVE ELECTRICITY LISTHOW TO SAVE MONEY ON ELECTRICITY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big WHAT WOULD HAPPEN IF WE REDISTRIBUTE WEALTH EQUALLY TO Because when it comes to building wealth, it’s the financial education, and its proper execution that really matters. So after the redistribution, the previously poor people will probably commit money mistakes and acquire liabilities because they don’t know how to manage their finances. Meanwhile, those who used to be self-mademillionaires
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
6 GENUINE BENEFITS OF HAVING A BANK SAVINGS ACCOUNT 1. There’s no bank near them. This is especially true in rural areas and provinces in the Philippines, where the nearest bank is at least an hour away. It’s inconvenient and impractical for them to open one. 2. They can’t afford it. Some people can’t afford to open a savings account. They either have no source of income, or they’re IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
READY TO BE RICH BY FITZ VILLAFUERTE The Four-Way Test of Spending. Money Saving Tips. Personal Finance. May 1, 2021 Fitz No comments. The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4questions.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ON FITZVILLAFUERTE.COMCOST OF FUNERAL IN PHILIPPINESCREMATION COST IN VIRGINIACREMATION COSTS IN CALIFORNIACREMATION COSTS IN CT WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE?WHAT HAPPENS TO YOU AFTER YOU DIEWHAT TO LOOK FOR WHEN BUYING STOCKWHAT DO YOU SEE WHEN YOU DIEWHAT IS IT LIKE WHEN YOU DIEWHAT REALLY HAPPENS WHEN YOU DIEWHAT DO PEOPLE SEE WHEN THEY DIE First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINESBDO MUTUAL FUNDS PHILIPPINESBEST MUTUAL FUNDS IN INDIABEST MUTUAL FUNDS PHILIPPINESMUTUAL FUNDS PHILIPPINES PERFORMANCEBEST MUTUAL FUNDS FOR NEW INVESTORSMUTUAL FUNDS TO BUY There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEYWAYS TO SAVE ON ELECTRICITYHOW TO SAVE ELECTRICITY AT HOMEHOW TO SAVE ELECTRICITY LISTHOW TO SAVE MONEY ON ELECTRICITY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big WHAT WOULD HAPPEN IF WE REDISTRIBUTE WEALTH EQUALLY TO Because when it comes to building wealth, it’s the financial education, and its proper execution that really matters. So after the redistribution, the previously poor people will probably commit money mistakes and acquire liabilities because they don’t know how to manage their finances. Meanwhile, those who used to be self-mademillionaires
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
6 GENUINE BENEFITS OF HAVING A BANK SAVINGS ACCOUNT 1. There’s no bank near them. This is especially true in rural areas and provinces in the Philippines, where the nearest bank is at least an hour away. It’s inconvenient and impractical for them to open one. 2. They can’t afford it. Some people can’t afford to open a savings account. They either have no source of income, or they’re IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
BUYING NON-ESSENTIALS: HOW TO KNOW IF IT'S WORTH IT There's no debate on how we should prioritize our necessities, to make sure that we first spend on our NEEDS before our WANTS. After successfully budgeting for our necessary expenses, it feels good tohave money
HOW TO PURSUE YOUR PASSION WITH ANTOINETTE JADAONE AND 1 day ago · Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. Sign up with Flint here and earn from the first, tech-enabled low-cost Philippine real estate MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINES There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. TOP PESO EQUITY MUTUAL FUNDS IN THE PHILIPPINES First, let’s look at the best-performing peso equity mutual funds in the Philippines every year since 2011 until 2015: YEAR 2011. PESO STOCK MUTUAL FUND. 2011 RETURN. First Metro Save and Learn Equity Fund. 8.18%. Philequity PSE Index Fund, Inc. 8.17%. Philequity Fund,Inc.
HOW TO WRITE A LAST WILL AND TESTAMENT: BASIC FACTS AND What is a Will? At the most basic level, a will is a legal document that tells how a person wants to distribute his estate upon his death. The person creating the will is called the testator, and it must be written in a language or dialect that is known to him. HOW TO PURSUE YOUR PASSION ARCHIVES Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. HOW TO UPGRADE YOUR LIFESTYLE WHEN YOU START EARNING MORE Know exactly how much you’re earning. Decide how much of it you’ll save and invest monthly, and then create a budget for your needs with what’s left. This is what many financial advocates refer to as paying yourself first, where your Income less Savings equals your Expenses. And it is a great formula to follow if you want to becomewealthy.
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST Updated: May 21, 2021. I had the chance to talk to future retirees during a recent speaking engagement. Among the topics that we discussed were the biggest financial mistakes that they regret, now that they’re in their 50’s. HOW TO WRITE A BUSINESS LETTER OF INTENT TO RENT OR LEASE ABC Mall. Dear Ms. dela Cruz, XYZ Foods would like to present this Letter of Intent to signify our interest in leasing a commercial space inside ABC Mall. We are the business behind the food cart, W Burgers, which has been selling gourmet hamburgers since 2004. Our products include a variety of hamburger sandwiches and burger rice meals. MBLIFE MOST 18: MULTIPLE OPTION SUPER TERM LIFE INSURANCE MBLife MOST 18 is a term life insurance product with PDF or Premium Deposit Fund. MOST stands for Multiple Option Super Term and it’s a life insurance product that covers you for 18 years, thus the name MOST 18. It’s a product by Manila Bankers Life Insurance Corporation, and launched in partnership with IMG to provide Filipinofamilies
READY TO BE RICH BY FITZ VILLAFUERTE The Four-Way Test of Spending. Money Saving Tips. Personal Finance. May 1, 2021 Fitz No comments. The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4questions.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ON FITZVILLAFUERTE.COMCOST OF FUNERAL IN PHILIPPINESCREMATION COST IN VIRGINIACREMATION COSTS IN CALIFORNIACREMATION COSTS IN CT WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE?WHAT HAPPENS TO YOU AFTER YOU DIEWHAT TO LOOK FOR WHEN BUYING STOCKWHAT DO YOU SEE WHEN YOU DIEWHAT IS IT LIKE WHEN YOU DIEWHAT REALLY HAPPENS WHEN YOU DIEWHAT DO PEOPLE SEE WHEN THEY DIE First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINESBDO MUTUAL FUNDS PHILIPPINESBEST MUTUAL FUNDS IN INDIABEST MUTUAL FUNDS PHILIPPINESMUTUAL FUNDS PHILIPPINES PERFORMANCEBEST MUTUAL FUNDS FOR NEW INVESTORSMUTUAL FUNDS TO BUY There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEYWAYS TO SAVE ON ELECTRICITYHOW TO SAVE ELECTRICITY AT HOMEHOW TO SAVE ELECTRICITY LISTHOW TO SAVE MONEY ON ELECTRICITY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big WHAT WOULD HAPPEN IF WE REDISTRIBUTE WEALTH EQUALLY TO Because when it comes to building wealth, it’s the financial education, and its proper execution that really matters. So after the redistribution, the previously poor people will probably commit money mistakes and acquire liabilities because they don’t know how to manage their finances. Meanwhile, those who used to be self-mademillionaires
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
6 GENUINE BENEFITS OF HAVING A BANK SAVINGS ACCOUNT 1. There’s no bank near them. This is especially true in rural areas and provinces in the Philippines, where the nearest bank is at least an hour away. It’s inconvenient and impractical for them to open one. 2. They can’t afford it. Some people can’t afford to open a savings account. They either have no source of income, or they’re IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
READY TO BE RICH BY FITZ VILLAFUERTE The Four-Way Test of Spending. Money Saving Tips. Personal Finance. May 1, 2021 Fitz No comments. The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4questions.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ON FITZVILLAFUERTE.COMCOST OF FUNERAL IN PHILIPPINESCREMATION COST IN VIRGINIACREMATION COSTS IN CALIFORNIACREMATION COSTS IN CT WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE?WHAT HAPPENS TO YOU AFTER YOU DIEWHAT TO LOOK FOR WHEN BUYING STOCKWHAT DO YOU SEE WHEN YOU DIEWHAT IS IT LIKE WHEN YOU DIEWHAT REALLY HAPPENS WHEN YOU DIEWHAT DO PEOPLE SEE WHEN THEY DIE First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINESBDO MUTUAL FUNDS PHILIPPINESBEST MUTUAL FUNDS IN INDIABEST MUTUAL FUNDS PHILIPPINESMUTUAL FUNDS PHILIPPINES PERFORMANCEBEST MUTUAL FUNDS FOR NEW INVESTORSMUTUAL FUNDS TO BUY There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEYWAYS TO SAVE ON ELECTRICITYHOW TO SAVE ELECTRICITY AT HOMEHOW TO SAVE ELECTRICITY LISTHOW TO SAVE MONEY ON ELECTRICITY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big WHAT WOULD HAPPEN IF WE REDISTRIBUTE WEALTH EQUALLY TO Because when it comes to building wealth, it’s the financial education, and its proper execution that really matters. So after the redistribution, the previously poor people will probably commit money mistakes and acquire liabilities because they don’t know how to manage their finances. Meanwhile, those who used to be self-mademillionaires
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
6 GENUINE BENEFITS OF HAVING A BANK SAVINGS ACCOUNT 1. There’s no bank near them. This is especially true in rural areas and provinces in the Philippines, where the nearest bank is at least an hour away. It’s inconvenient and impractical for them to open one. 2. They can’t afford it. Some people can’t afford to open a savings account. They either have no source of income, or they’re IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
BUYING NON-ESSENTIALS: HOW TO KNOW IF IT'S WORTH IT There's no debate on how we should prioritize our necessities, to make sure that we first spend on our NEEDS before our WANTS. After successfully budgeting for our necessary expenses, it feels good tohave money
HOW TO PURSUE YOUR PASSION WITH ANTOINETTE JADAONE AND 1 day ago · Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. Sign up with Flint here and earn from the first, tech-enabled low-cost Philippine real estate MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINES There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. TOP PESO EQUITY MUTUAL FUNDS IN THE PHILIPPINES First, let’s look at the best-performing peso equity mutual funds in the Philippines every year since 2011 until 2015: YEAR 2011. PESO STOCK MUTUAL FUND. 2011 RETURN. First Metro Save and Learn Equity Fund. 8.18%. Philequity PSE Index Fund, Inc. 8.17%. Philequity Fund,Inc.
HOW TO WRITE A LAST WILL AND TESTAMENT: BASIC FACTS AND What is a Will? At the most basic level, a will is a legal document that tells how a person wants to distribute his estate upon his death. The person creating the will is called the testator, and it must be written in a language or dialect that is known to him. HOW TO PURSUE YOUR PASSION ARCHIVES Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. HOW TO UPGRADE YOUR LIFESTYLE WHEN YOU START EARNING MORE Know exactly how much you’re earning. Decide how much of it you’ll save and invest monthly, and then create a budget for your needs with what’s left. This is what many financial advocates refer to as paying yourself first, where your Income less Savings equals your Expenses. And it is a great formula to follow if you want to becomewealthy.
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST Updated: May 21, 2021. I had the chance to talk to future retirees during a recent speaking engagement. Among the topics that we discussed were the biggest financial mistakes that they regret, now that they’re in their 50’s. HOW TO WRITE A BUSINESS LETTER OF INTENT TO RENT OR LEASE ABC Mall. Dear Ms. dela Cruz, XYZ Foods would like to present this Letter of Intent to signify our interest in leasing a commercial space inside ABC Mall. We are the business behind the food cart, W Burgers, which has been selling gourmet hamburgers since 2004. Our products include a variety of hamburger sandwiches and burger rice meals. MBLIFE MOST 18: MULTIPLE OPTION SUPER TERM LIFE INSURANCE MBLife MOST 18 is a term life insurance product with PDF or Premium Deposit Fund. MOST stands for Multiple Option Super Term and it’s a life insurance product that covers you for 18 years, thus the name MOST 18. It’s a product by Manila Bankers Life Insurance Corporation, and launched in partnership with IMG to provide Filipinofamilies
READY TO BE RICH BY FITZ VILLAFUERTE The Four-Way Test of Spending. Money Saving Tips. Personal Finance. May 1, 2021 Fitz No comments. The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4questions.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ON FITZVILLAFUERTE.COMCOST OF FUNERAL IN PHILIPPINESCREMATION COST IN VIRGINIACREMATION COSTS IN CALIFORNIACREMATION COSTS IN CT WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE?WHAT HAPPENS TO YOU AFTER YOU DIEWHAT TO LOOK FOR WHEN BUYING STOCKWHAT DO YOU SEE WHEN YOU DIEWHAT IS IT LIKE WHEN YOU DIEWHAT REALLY HAPPENS WHEN YOU DIEWHAT DO PEOPLE SEE WHEN THEY DIE First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINESBDO MUTUAL FUNDS PHILIPPINESBEST MUTUAL FUNDS IN INDIABEST MUTUAL FUNDS PHILIPPINESMUTUAL FUNDS PHILIPPINES PERFORMANCEBEST MUTUAL FUNDS FOR NEW INVESTORSMUTUAL FUNDS TO BUY There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEYWAYS TO SAVE ON ELECTRICITYHOW TO SAVE ELECTRICITY AT HOMEHOW TO SAVE ELECTRICITY LISTHOW TO SAVE MONEY ON ELECTRICITY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big WHAT WOULD HAPPEN IF WE REDISTRIBUTE WEALTH EQUALLY TO Because when it comes to building wealth, it’s the financial education, and its proper execution that really matters. So after the redistribution, the previously poor people will probably commit money mistakes and acquire liabilities because they don’t know how to manage their finances. Meanwhile, those who used to be self-mademillionaires
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
6 GENUINE BENEFITS OF HAVING A BANK SAVINGS ACCOUNT 1. There’s no bank near them. This is especially true in rural areas and provinces in the Philippines, where the nearest bank is at least an hour away. It’s inconvenient and impractical for them to open one. 2. They can’t afford it. Some people can’t afford to open a savings account. They either have no source of income, or they’re IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
READY TO BE RICH BY FITZ VILLAFUERTE The Four-Way Test of Spending. Money Saving Tips. Personal Finance. May 1, 2021 Fitz No comments. The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4questions.
FUNERAL COSTS BREAKDOWN: EXPENSES WHEN DYING IN THESEE MORE ON FITZVILLAFUERTE.COMCOST OF FUNERAL IN PHILIPPINESCREMATION COST IN VIRGINIACREMATION COSTS IN CALIFORNIACREMATION COSTS IN CT WHAT HAPPENS TO YOUR INVESTMENTS WHEN YOU DIE?WHAT HAPPENS TO YOU AFTER YOU DIEWHAT TO LOOK FOR WHEN BUYING STOCKWHAT DO YOU SEE WHEN YOU DIEWHAT IS IT LIKE WHEN YOU DIEWHAT REALLY HAPPENS WHEN YOU DIEWHAT DO PEOPLE SEE WHEN THEY DIE First, investments are considered your assets – it is among the list of things that you own – and because it is as such, they become “frozen” when you die. The cash in the bank, the real estate properties that you own, the company shares in your stock market portfolio, the mutual fund investments that you have, and all otherassets
MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINESBDO MUTUAL FUNDS PHILIPPINESBEST MUTUAL FUNDS IN INDIABEST MUTUAL FUNDS PHILIPPINESMUTUAL FUNDS PHILIPPINES PERFORMANCEBEST MUTUAL FUNDS FOR NEW INVESTORSMUTUAL FUNDS TO BUY There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. PRODUCT PRICING STRATEGY AND COSTING TEMPLATE FOR FOOD RECIPES Determine the price of each ingredient and calculate the cost per recipe. Simply divide the ingredient price by the total volume and multiply it by the equivalent measure in your recipe. 375 ml of cooking oil costs P20. So P20 divided by 375 ml multiplied by 30 ml (from the recipe) equals P1.60. 25 WAYS TO LOWER OR REDUCE YOUR ELECTRIC BILL AND SAVE MONEYWAYS TO SAVE ON ELECTRICITYHOW TO SAVE ELECTRICITY AT HOMEHOW TO SAVE ELECTRICITY LISTHOW TO SAVE MONEY ON ELECTRICITY Stoves and Ovens. Prepare all ingredients first and thaw frozen food thoroughly before cooking to minimize use of the stove. Use flat-bottomed pots and pans as they allow faster heat transfer. Match pots and pans with stove element. Avoid using a big WHAT WOULD HAPPEN IF WE REDISTRIBUTE WEALTH EQUALLY TO Because when it comes to building wealth, it’s the financial education, and its proper execution that really matters. So after the redistribution, the previously poor people will probably commit money mistakes and acquire liabilities because they don’t know how to manage their finances. Meanwhile, those who used to be self-mademillionaires
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST 4. I regret trying all those get-rich-quick scams. “I’ve always been attracted towards get-rich-quick schemes. And as the story usually goes, all of them just ended up to be scams. I’ve lost a lot of money from those “guaranteed profit” investments. In fact, I’ve lost money again and again from different scams because I wastoo
6 GENUINE BENEFITS OF HAVING A BANK SAVINGS ACCOUNT 1. There’s no bank near them. This is especially true in rural areas and provinces in the Philippines, where the nearest bank is at least an hour away. It’s inconvenient and impractical for them to open one. 2. They can’t afford it. Some people can’t afford to open a savings account. They either have no source of income, or they’re IS IT STILL GOOD TO INVEST IN REAL ESTATE IN THE PHILIPPINES? This, coupled with residential development licenses dipping 14.8 percent, makes it understandable why there’d be some hesitation to invest in Philippine real estate this year. Yet, even if the Philippines’ overall 2015 economic growth rate underwhelmed compared to the year prior, the country’s trajectory remains upward, and someof the
BUYING NON-ESSENTIALS: HOW TO KNOW IF IT'S WORTH IT There's no debate on how we should prioritize our necessities, to make sure that we first spend on our NEEDS before our WANTS. After successfully budgeting for our necessary expenses, it feels good tohave money
HOW TO PURSUE YOUR PASSION WITH ANTOINETTE JADAONE AND 1 day ago · Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. Sign up with Flint here and earn from the first, tech-enabled low-cost Philippine real estate MAJOR TYPES OF MUTUAL FUNDS IN THE PHILIPPINES There are many types of mutual funds. In the Philippines, there are five major types, depending on where your money will be invested. They are: Money Market Funds (or Fixed Income Funds) These are low-risk and can earn somewhere 1% to 4% per year. TOP PESO EQUITY MUTUAL FUNDS IN THE PHILIPPINES First, let’s look at the best-performing peso equity mutual funds in the Philippines every year since 2011 until 2015: YEAR 2011. PESO STOCK MUTUAL FUND. 2011 RETURN. First Metro Save and Learn Equity Fund. 8.18%. Philequity PSE Index Fund, Inc. 8.17%. Philequity Fund,Inc.
HOW TO WRITE A LAST WILL AND TESTAMENT: BASIC FACTS AND What is a Will? At the most basic level, a will is a legal document that tells how a person wants to distribute his estate upon his death. The person creating the will is called the testator, and it must be written in a language or dialect that is known to him. HOW TO PURSUE YOUR PASSION ARCHIVES Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. HOW TO UPGRADE YOUR LIFESTYLE WHEN YOU START EARNING MORE Know exactly how much you’re earning. Decide how much of it you’ll save and invest monthly, and then create a budget for your needs with what’s left. This is what many financial advocates refer to as paying yourself first, where your Income less Savings equals your Expenses. And it is a great formula to follow if you want to becomewealthy.
5 BIGGEST FINANCIAL MISTAKES THAT 50-YEAR-OLDS REGRET THE MOST Updated: May 21, 2021. I had the chance to talk to future retirees during a recent speaking engagement. Among the topics that we discussed were the biggest financial mistakes that they regret, now that they’re in their 50’s. HOW TO WRITE A BUSINESS LETTER OF INTENT TO RENT OR LEASE ABC Mall. Dear Ms. dela Cruz, XYZ Foods would like to present this Letter of Intent to signify our interest in leasing a commercial space inside ABC Mall. We are the business behind the food cart, W Burgers, which has been selling gourmet hamburgers since 2004. Our products include a variety of hamburger sandwiches and burger rice meals. MBLIFE MOST 18: MULTIPLE OPTION SUPER TERM LIFE INSURANCE MBLife MOST 18 is a term life insurance product with PDF or Premium Deposit Fund. MOST stands for Multiple Option Super Term and it’s a life insurance product that covers you for 18 years, thus the name MOST 18. It’s a product by Manila Bankers Life Insurance Corporation, and launched in partnership with IMG to provide Filipinofamilies
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BUYING NON-ESSENTIALS: HOW TO KNOW IF IT’S WORTH IT* Money Saving Tips
* Personal Finance
June 3, 2021
Fitz No comments
There’s no debate on how we should prioritize our necessities, to make sure that we first spend on our NEEDS before our WANTS. After successfully budgeting for our necessary expenses,Continue reading
HOW TO COPE WITH FINANCIAL STRESS (EPISODE 72)* Mindsetting
* Personal Finance
* Podcast
May 31, 2021May 31, 2021Fitz 1 comment
Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Join the raffle and win FREE KonsultaMD vouchers: There will be a total of eighteen (18) winners whichContinue reading
THE 5 EMOTIONAL STAGES OF GOAL ACHIEVEMENT AND SUCCESS* Life Lessons
* Mindsetting
May 27, 2021
Fitz 1 comment
Albert Einstein once said that insanity is doing the same thing over and over again, but expecting different results. Indeed, if you want something to improve in your life, thenContinue reading
HOW I PAID OFF P200,000 IN CREDIT CARD DEBT (EPISODE 71)* Mindsetting
* Personal Finance
* Podcast
May 24, 2021May 24, 2021Fitz 2 comments
Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: Flint PH Invest in Philippine real estate for as low as P1,000. Sign up with FlintContinue reading
RECENTLY INVESTED IN PROPERTY? UNCOVERING WAYS TO ADD VALUE TO YOURPROPERTY
* General Information* Guest Posts
* Investing
May 21, 2021
Fitz No comments
So, you’ve come across an investment property that you believe has great potential? Good for you. Flipping real estate is a great investment opportunity that can pay off big ifContinue reading
USAPANG BUSINESS LOANS WITH SEEKCAP AND LEMONOLOGY (EPISODE 70)* Business
* Podcast
May 17, 2021May 19, 2021Fitz 1 comment
Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Guest and Sponsor Links: Shop for fast and easy loans. Learn more about SeekCap here. Follow LemonologyContinue reading
ATM FEES: WHAT IS ACQUIRER-BASED ATM FEE CHARGING? * General Information* Personal Finance
May 12, 2021
Fitz 1 comment
Before April 7, when you withdraw money from an ATM of another bank, you’re charged a fixed amount. This was the issuer-based pricing model. However, that has been changed toContinue reading
HOW TO BE FRIENDS WITH YOUR FUTURE SELF (EPISODE 69)* Mindsetting
* Podcast
May 10, 2021
Fitz 1 comment
Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: eToro Invest and trade global markets: Sign up for eToro here and check out Copytrader, whichContinue reading
8 BEST INVESTMENTS FOR YOUNG PROFESSIONALS (EPISODE 68)* Investing
* Podcast
May 3, 2021June 1, 2021Fitz 3 comments
Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: eToro Invest and trade global markets: Sign up for eToro here and check out Copytrader, whichContinue reading
THE FOUR-WAY TEST OF SPENDING* Money Saving Tips
* Personal Finance
May 1, 2021
Fitz
No comments
The Four-Way Test is a moral code popularized and used by members of Rotary International, a global service organization of business and professional leaders. It asks 4 questions. Namely: IsContinue reading
TOP 10 THINGS TO CONSIDER WHEN BUYING A PROPERTY (EPISODE 67)* Investing
* Personal Finance
* Podcast
April 26, 2021
Fitz 2 comments
Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts Episode Sponsor: This episode is brought to you by Lessandra, a reputable housing brand from the most-trusted realContinue reading
6 QUESTIONS TO ASK YOURSELF WHEN CHOOSING AN INVESTMENT* Investing
April 23, 2021
Fitz 2 comments
There are hundreds of investments out there. But which one is the best? How do you choose the right investment for you? When deciding where to invest, I normally useContinue reading
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