Start investment in PHL pesos - Suze Orman financial planner expert at BPI Familly forum

Ad Majorem.....Wealth Builders

Rizal PHL

I happened to tune  in at ANC.  The whole morning seem to be  devoted to PHL realty and BPI Family Bank.  The latter part "On the Money" featured the video on the talk of Suze Orman (personal finance guru) a financial planning expert, probably invited by BPI Family Savings bank.

Her advice:  budget, pay yourself first, and save.  The same stuff we have been dishing out at this site.

There would be investment without savings. no savings without budget, frugality

"Customers Amortization Funds"

Ad Majorem.....Wealth Builders

          CUSTOMER AMORTIZATION FUND (CAF) is designed to provide financial protection to cover eligible Holy Gardens Memorial Park lot owners who are paying monthly amortization and borrowers of MAJOREM LENDING INVESTOR INC. in case of natural death. This Customer Amortization Fund is a program administered by the MAJOREM LENDING INVESTOR INC. The Fund is available to Holy Gardens Lot owners and all Borrowers of MLII without medical examinations.

 See you this June 6, as we discussed the CAF program furthermore. :)

Ad Majorem.....Wealth Builders Simple Celebration of Sir Jorge 62nd Birthday... Let's continue to celebrate more birthdays with you Sir JUS!

!! :)

There is no longer a free financial market - Central Banks and funds control this

Ad Majorem.....Wealth Builders

 From Money News

The central banks and sovereign funds have largely controlled the financial market.  Their huge holdings of bonds which roughly is l0% of the world GDP means the CB can dictate the price of bonds and other financial instruments.  The central bank must move towards tapering of the purchase so that the financial markets will be free and open again

Mamorsky - US has transformed into crony capitalism

Ad Majorem.....Wealth Builders

From Money News by Glenn Kalinowski and John Bachman  Jun 17, 2013

Author Jordan Mamorsky has mentioned a holistic lapse of ethics and culture; we see a lot of financial swindlers, and a casino culture.   Large banks have influenced the way we run business and corrupted our view of capitalism as we see this now.  He is co author of the book, End of Ethics >>> read more

Free Money Finance - how to have cash

Free Money Finance

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Help a Reader: Need Cash Posted: 24 May 2013 10:42 AM PDT Here's an email I recently received from a reader: I need to see how everyone would proceed in the following situation: I'm 27 I make around $85k from my regular job I own a side business with my business partner investing in rentals and real estate (relatively new, but want it to become more serious) I own a rental house that cash flows around $1k per month. Home value is around $210k, owe $140k on loan I have a variety of accounts setup 401k, IRA, taxable, savings, checking (401k value - $65k; Roth IRA value - $30k; Taxable investment account value - $40k; Checking/Savings value - $13) Here is my dilemma.  We recently purchased some land at a significant discount.  When I say significant, I mean cents on the dollar.  We got lucky and ended up with a buildable lot with limited cost.  The plan is to build on the lot and sell the home.  We will require roughly $140k for the construction.  Neither of us want to go get a loan for the construction and would rather do it all in cash.  As you can see by the outline above, I would need to pull from a number of sources to come up with my half of the cost.  We stand to make around $100k total when the house sells, assuming all goes as planned. With that being said, I know taking loans against your 401k is typically never a good idea.  I really don't want to cash out my taxable account and take a loan against my 401k, but given that it would only be for a short window of time, I am really considering this option.  Is this a viable route or am I missing something that could potentially come back to bite me?   Open to any and all suggestions.  Help me out. What's your advice for him?

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About Financial Planning: How to Create an Organizational System for Your Finances

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Financial Planning Financial Planning Budget & Save Build Wealth Protect What You Have From Andrew Schrage, your Guide to Financial Planning How to Create an Organizational System for Your Finances The first step to effectively managing your finances is to see what kind of financial shape you're currently in. And the first step to determining that is to get organized.... Read more Top 3 Reasons Why You Should Care About Your Finances What happens when you don't take care of your finances? Just look at our country -- you spend irresponsibly, get in debt up to your eyeballs,Âand stress about how you're... Read more Financing Your Child's Education Did you know that a four year degree at a public university may cost upwards of $100,000 in 18 years? That's bad news for new parents who expect their kids... Read more Real Estate & Mortgages For some people their home is their single greatest asset. This means it is important to understand how real estate fits into your financial plan. Here you will find information on purchasing a home and finding the right mortgage. Related Searches Financial Planning Financial Budgeting Lenders Money How to Invest Money Financial Planners More about Financial Planning College Savings Tax Planning Insurance Financial Tools Budgeting Saving Money More from About.com Run Your First 5K Even couch potatoes can be ready for a 5K with just a couple months of training. Read more...> Help! I'm Too Busy Time and stress management tips to help you feel as though you have more time. Read more...> This newsletter is written by: Andrew Schrage Financial Planning Guide Email Me | My Blog | My Forum Sign up for more free newsletters on your favorite topics You are receiving this newsletter because you subscribed to the About.com Financial Planning newsletter. If you wish to change your email address or unsubscribe, please click here. About.com respects your privacy: Our Privacy Policy Contact Information: 1500 Broadway, 6th Floor New York, NY, 10036 © 2013 About.com Must Reads How to Create a Budget How to Establish Credit Finding a Financial Planner Get Started in Investing Insurance Basics Follow me on: Advertisement

Free Money Finance - Wealth Lion

Free Money Finance

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Introducing Wealth Lion Posted: 28 May 2013 01:29 AM PDT For the eight years that I've been writing FMF, I've used Typepad's service for the site. They include both the content management system (how I publish posts and control the site's design) as well as the hosting (how readers see/access the site on the web). It was a great beginning blogging service since it was very easy and my technical experience was zero. For several years, Typepad served me well. Yes, there were occasional hiccups and I was limited by what I could and couldn't do on the blog (with design, marketing, "extras", and so on), but for the most part, things were fine. Then Typepad recently changed spam providers and things went haywire. Comments couldn't get through, they would post and then disappear, long comments were eaten, and I would have days where hundreds of spam comments hit the blog and I would have to go through one-by-one and delete them. When I contacted Typepad customer service, their response was "wait and it will get better" and "set comments so users have to log in to leave a comment" (something I didn't want to and shouldn't have to do). I did implement a couple of their more practical suggestions, but the results were mixed. At the same time, I have been hearing more and more about WordPress as a blogging/website software provider. It's been around since I started blogging, of course, but over the years it has really developed into quite a remarkable system. In addition, it has become very easy to use WordPress to install and host your own blog (something that used to intimidate me.) It has all the bells and whistles that make both the front and back ends of a site work really well. Finally, it's mostly under my control, not under the control of a company that makes decisions for me (like Typepad does). So I considered moving FMF to WordPress. But as you might imagine, this process is far from easy. Specifically, the site has thousands of links coming into it (a great benefit for FMF) which were likely to be messed up in part or whole in a transition. This could reduce me to basically starting over from scratch, something I wanted to avoid, but had to consider. After I thought it over, my feeling was that if I was going to start over, I wanted to do it from the ground up -- to both see if I could do it as well as avoid the mistakes I had made in the past (yes, I've made mistakes, written not-so-great posts, and refined my thinking a lot in the past eight years). I would want to start fresh. As I considered the options, I asked FMF readers what they wanted to see more of on the site. There seemed to be two competing sets of answers. One group wanted the sorts of pieces that FMF has always done: Reader Profiles, short commentary pieces, and the like. The other group wanted deeper and broader topics covered. Some liked the real estate posts and others didn't. Some wanted more in-depth Reader Profiles while others wanted follow ups to past ones. Many wanted more of "what I'm doing." So I took all this feedback into consideration and came up with the following solution: FMF will continue as it always has on the Typepad platform. For now my plan is to publish three times a week on Tuesday, Thursday, and Saturday (beginning immediately). The posts will be Reader Profiles (using the same format as I've used all along), shorter commentary pieces (where I see an article, take a paragraph from it, and offer my thoughts on it), and a few smatterings of this and that (what I want to write about). It will pretty much be what I've done here for eight years, with a few exceptions as noted below. I'm starting a new WordPress website called Wealth Lion (If you're wondering about the name, you can read Why the Name). For now my plan is to publish three times a week on Monday, Wednesday, and Friday. The posts will focus on the basics of building wealth (some), how to manage wealth once you have it (more), real estate investing (with details of how my investments are going as well as a calculator or two), and details on what I am personally doing as I now work my way through paying for college and planning for retirement/early semi-retirement. In general the posts will be longer and more personal than what I've written at FMF. I have already seeded the site with several basic pieces (many of which you've seen on FMF) just to get it started. A few of them are: Why Another Financial Website? Who Is the Wealth Lion? How to Measure and Track Wealth How to Become Wealthy Becoming Wealthy is Simple, But Not Easy (Unless You Have These Characteristics) Why You Should Track Cash Flow For the first few weeks you may see posts/themes on Wealth Lion that you've already seen on FMF. These are put here for the new reader who comes along, knows nothing about FMF, and wonders where I'm coming from. I want to at least have my general thoughts on wealth building, careers, and the like on both sites. You can also subscribe to the new site by either email or RSS feed. I will transition to the three posts on FMF and three posts on Wealth Lion per week set-up starting this week for FMF. Wealth Lion will begin posting the first week in June. For the first month or so (and maybe a bit longer), you will likely see some design changes in Wealth Lion as we finish construction. If I waited until everything was 100% completed and perfect to launch the blog, I probably wouldn't do it until 2014. So please bear with me. (And if you find a glitch, please email me!) I want to thank FMF readers Old Limey, Apex, Mike Hunt, and Money Wise Pastor for looking over Wealth Lion while it was in development. Their feedback was very helpful and appreciated. So that's how we'll operate for now -- one writer of two blogs, each with its own personal twist. How will it work? Who knows?  We'll play it by ear, see how it goes, and adjust as needed along the way. I hope you decide to join me for the ride.

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About Entrepreneurs: How Much is that Next Customer Worth to You?

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Entrepreneurs Entrepreneurs Choose a Business Start Up Manage and Grow From Amanda McCormick, your Guide to Entrepreneurs Women shouldn't be the only ones who have fun shopping online, Dollar Shave Club CEO Michael Dubin told Wired magazine late in 2012. Yet in the realm of ecommerce, male consumers have traditionally been hard for marketers to pin down. They usually leave razor blade and underwear purchases to wives or girlfriends, as the conventional wisdom goes. The success of upstart companies like Dollar Shave Club and Flint and Tinder in this niche market have something to teach any entrepreneur about acquiring customers. Read on to find out more. Customer Acquisition Lessons From Men's Underwear and Razor The latest video from quirky razor blade company Dollar Shave Club has been the talk of the Internet last week. If you haven't seen it, take a look (it's already racked up almost a million views as I'm writing this post). Read more Search Related Topics:  customer acquisition  marketing  market analysis Welcome to June and Customer Acquisition How did you find your first customer? I keenly remember setting up my first course on Skillshare. I thought I had a surefire hit on my hands. You know how many tickets... Read more A Kickstarter Success With Much to Teach Entrepreneurs I've long been a follower of the influential marketing voice Joseph Jaffe on Twitter (if you're not following now, you should!) but when I heard about his Kickstarter for his... Read more Marketing Tips for Micro Budgets A lot of people make the mistake of thinking marketing is only to be done when you have a little extra money to burn. Not at all -- you can't... Read more Related Searches Entrepreneurs CRM Customer Service Business Service Customer Loyalty Customer Management Featured Articles Intellectual Property: Patents, Trademarks, Servicemarks and Copyright Business Networking for Entrepreneurs Financing & Funding Sales & Marketing Running a Business Entrepreneurial Lifestyle More from About.com Run Your First 5K Even couch potatoes can be ready for a 5K with just a couple months of training. Read more...> Help! I'm Too Busy Time and stress management tips to help you feel as though you have more time. Read more...> This newsletter is written by: Amanda McCormick Entrepreneurs Guide Email Me | My Blog | My Forum Sign up for more free newsletters on your favorite topics You are receiving this newsletter because you subscribed to the About.com Entrepreneurs newsletter. If you wish to change your email address or unsubscribe, please click here. About.com respects your privacy: Our Privacy Policy Contact Information: 1500 Broadway, 6th Floor New York, NY, 10036 © 2013 About.com Must Reads Interview: Crowdfunding Success Story Lean Startup 101 Best Work-at-Home Jobs for Moms Funding Success Stories Building Influence in Social Media Advertisement