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Friday, September 30, 2011

Is Investing in the Real Estate Properties a Wise Decision?

There are no sense of security in this world especially so when we speak of stock market, funds, and the economy. Currently, the financial market is still in the recovery phase due to the economic chaos brought about by the American economic problems. Thus, there are a lot of investors who placed their trust and money in to this arena is still at a loss. Since these kinds of investments fluctuate from time to time, it is often best that a wise investor should also have investments in the real estate business.

Investing in the real estate is just one of the investment vehicles that may guarantee you a safe place for your money. This is due to the fact that lands will always appreciate in time. Also, selling homes and residential places are investments that have good return of income.

There are disadvantages also when delving into the real estate world. Starting on one needs large capital and reserve cash as real estate may take time to dispose of. Also, if you intend to develop the place before selling it will this will add up to your starting capital.

Nevertheless, real estate investments are a good decision to put your money to. But as with other investments there are certainly negative as well as positive sides to it. Thus, it is a good decision to also invest on other vehicles so as to balance your risks.

Tuesday, May 24, 2011

Real-time gross settlement system

I have come across this term from investorwords.com.
I feel that I need to share them with you.
Here goes:
RTGS. A system that streamlines that settlement of large-value transactions between banks and other financial institutions. Instead of moving physical amounts of cash, the banks transfer funds electronically. When one bank transfers money to another, the funds are immediately credited to the second bank and debited to the first.

Wednesday, April 20, 2011

Diversify: Key to successful investing

With every business comes risks, and even greater if you put your money in stocks or mutual fund, this is because these investments are volatile. Stock prices increases and decreases every minute or so, so predicting its trends may not be that easy, unless you have a superpower prediction software installed in your brain.

So why is investing in stocks very risk? For people like me who have not gone to Business schools stock is a term not usually discussed and most are not that acquainted with this term. So what is a stock? According to www.investorwords.com, it is an instrument that signifies an ownership position (called equity) in a corporation, and represents a claim on its proportional share in the corporation's assets and profits. Therefore, when you buy a stock offered by a certain corporation you become a part-owner of that company. And if they obtain profit, you also get profit but the downside is that if they lose, so will you. And predictability of when profits are good and losses are bad are never determined easily.

How do we keep our money from catastrophe? We need to have many investment baskets in order to do this. It is a good decision to divide your money and invest it to many kinds of stocks, or investment baskets. For example, you invest a quarter of your money to agriculture stock, a quarter to mutual fund, a quarter to government bonds, while the last quarter to mining…the list is endless; it is up to you to decide. You can even follow the cost averaging technique to widen your grasp to more investment profits.

Why diversifying your investment a way to success?
• Manage your risk better. In this way, if one investment is losing, it could be compensated with a profit-earning investment.
• Increase profit. It is not always that your stocks are giving you benefits, most often, investments losses, stock prices are going down therefore, if you have invested in only 1 “basket” you may definitely loss that hard-earned money.

Furthermore, diversifying is the key in winning this investment battle. If you will only put all your money in one asset there is a greater risk that you will either win or lose. A two-faced coin will only give you the head or the tail. But if you have many interests in many investments, you are able to manage your portfolio well and may in turn get more profits.

Saturday, April 2, 2011

The Importance of Cost-Averaging Scheme when into Mutual Fund

The cost-averaging strategy is very applicable in succeeding when you are investing in mutual funds or when you are into common stocks. By employing this approach, an investor can greatly increase his chances of earning higher net over a period of at least 5 years and also reducing his risks of losing.

How does it work?

Before we proceed, let us first discuss what a cost averaging technique is all about. Firstly, it is designed to reduce market risk through careful planning and buying of securities and investments at a predetermined interval and with a predetermined set of amount. Many investors are practically applying this, and most, if not all, have attested that cost averaging is a technique that delivered them better profits.

Instead of investing or buying stocks in a lump sum, an investor buys securities at smaller prices slowly and in regular intervals, says every month.

Let me put it this way, you have 10, 000 USD and you have been eyeing on an investment worth 2USD per share. Instead of using up all of your 10, 000 to buy the stock, what you are going to do, in following cost averaging technique, is to buy 1000 USD in the first month, then another 1000 on the second month, and so on until you exhaust all your 10, 000. This spreads the cost basis out over several months, providing insulation against changes in market price.

If you are going to calculate, you will fare better than buying the whole thing one time.

Thursday, March 24, 2011

Mutual Fund Basics

Just what is a mutual fund? I think, for most of Filipinos, this kind of investment is a mystery. In fact I have never heard of this term in my entire school life. What I do know is saving in the bank and physical investments such as putting up a sari-sari (convenience) store or selling barbeque on the streets. Stocks or funds were terms uncommon to me during those days.

DEFINITION
According to wikipedia, a mutual fund is a professionally-managed type of collective investment scheme that pools money from many investors to buy securities (stocks, bonds, short-term money market instruments, and/or other securities). A mutual fund has a fund manager that trades (buys and sells) the fund's investments in accordance with the fund's investment objective.

In layman’s term, it is a kind of fund wherein groups of people share their money in order to buy a stock, bond or other investment securities. The pooled money is then managed by a fund manager, which is basically a person “employed” by the investors, to buy and sell stocks and investments.

WHY INVEST IN MUTUAL FUND?
Doing business or investing into something entails risk. This is also the case for mutual fund.
Unlike with other investments, the risk with mutual fund is minimal. Why? Because you have a fund manager, who is professionally trained who does the analysis on the market trend for you.
It is the duty of the fund manager to invest your resources on the right investment basket and since a fund manager is professionally trained and has better insights of the market than you are then you are sure that your money will not be waylaid. If you personally handles tha buying, selling of stocks there might be a possibility that you may lose money because aside from you do not have the proper knowledge and insights on the market trend you also are not entirely focused in managing your investment. You might be working in a company for 8 long hours (as in my case) or you are running your own business. With mutual fund you can “leave” your money in the hands of your fund manager and he will do the “growing” in your stead.


WHERE TO INVEST?
Well, there are lots of companies out there that can help you invest in mutual fund.
Personally, I have invested in First Metro Asset Management Inc.. PhilEquity is also a good company as well. There are lots of vehicle out there....search the net or you can email me for more details.

Wednesday, March 9, 2011

On Being Filipinos

I have come across an article created by Matthew Sutherland. It was actually sent to be by my friend thru email. And I guess this is one of those that were sent by friends to friend to friends… and so on. It is viral.

When I read the article, it was interesting to note the observations made by Matthew (a foreigner) with Filipino culture. It was nice. It reflects who we are in a sense from the perspective of a foreign eye.

And I guess, basing from his article, that Matthew loves the Philippines and the uniquely Filipino culture.

Although he may have not yet experienced our “bayanihan” spirit or he may have forgotten to indicate our Filipino hospitality, but I guess it may need another article for discussions.

Anyway, please read the article below and enjoy ….

Matter of Taste
By Matthew Sutherland

I have now been in this country for over six years, and consider
myself in most respects well assimilated. However, there is one key step on
the road to full assimilation, which I have yet to take, and that's
to eat BALUT.

The day any of you sees me eating balut, please call immigration and ask them
to issue me a Filipino passport. Because at that point there will be no turning back.
BALUT, for those still blissfully ignorant non-Pinoys out there, is a fertilized duck egg.
It is commonly sold with salt in a piece of newspaper, much like English fish and chips,
by street vendors usually after dark, presumably so you can't see how gross it is.

It's meant to be an aphrodisiac, although I can't imagine anything more likely
to dispel sexual desire than crunching on a partially formed baby duck swimming
in noxious fluid. The embryo in the egg comes in varying stages of development,
but basically it is not considered macho to eat one without fully discernable feathers,
beak, and claws. Some say these crunchy bits are the best. Others prefer
just to drink the so-called 'soup', the vile, pungent liquid that surrounds
the aforementioned feathery fetus...excuse me;
I have to go and throw up now. I'll be back in a minute.

Food dominates the life of the Filipino. People here just love to eat.

They eat at least eight times a day. These eight official meals are
called, in order: breakfast, snacks, lunch, merienda, merienda ceyna,
dinner, bedtime snacks and no-one-saw-me-take-that-cookie-from-the-
fridge-so-it-doesn't-count.

The short gaps in between these mealtimes are spent eating Sky Flakes
from the open packet that sits on every desktop. You're never far
from food in the Philippines. If you doubt this, next time you're driving
home from work, try this game. See how long you can drive without
seeing food and I don't mean a distant restaurant, or a picture of
food. I mean a man on the sidewalk frying fish balls, or a man
walking through the traffic selling nuts or candy. I bet it's less than one
minute.

Here are some other things I've noticed about food in the Philippines:

Firstly, a meal is not a meal without rice - even breakfast. In the UK,
I could go a whole year without eating rice. Second, it's impossible
to drink without eating. A bottle of San Miguel just isn't the same
without gambas or beef tapa. Third, no one ventures more than two paces
from their house without baon (food in small container) and a container
of something cold to drink. You might as well ask a Filipino to leave
home without his pants on. And lastly, where I come from, you eat with
a knife and fork. Here, you eat with a spoon and fork. You try eating
rice swimming in fish sauce with a knife.

One really nice thing about Filipino food culture is that people always ask you
to SHARE their food. In my office, if you catch anyone attacking their baon,
they will always go, "Sir! KAIN TAYO!" ("Let's eat!"). This confused me, until
I realized that they didn't actually expect me to sit down and start
munching on their boneless bangus. In fact, the polite response is
something like, "No thanks, I just ate." But the principle is sound -
if you have food on your plate, you are expected to share it, however
hungry you are, with those who may be even hungrier. I think that's
great!

In fact, this is frequently even taken one step further.
Many Filipinos use "Have you eaten yet?" ("KUMAIN KA NA?") as a general
greeting, irrespective of time of day or location.

Some foreigners think Filipino food is fairly dull compared to other Asian cuisines.
Actually lots of it is very good: Spicy dishes like Bicol Express (strange, a dish
named after a train); anything cooked with coconut milk; anything KINILAW;
and anything ADOBO. And it's hard to beat the sheer wanton, cholesterolic frenzy
of a good old-fashioned LECHON de leche (roast pig) feast. Dig a pit, light a fire,
add 50 pounds of animal fat on a stick, and cook until crisp. Mmm, mmm...
you can actually feel your arteries constricting with each successive mouthful.

I also share one key Pinoy trait ---a sweet tooth. I am thus the only foreigner
I know who does not complain about sweet bread, sweet burgers, sweet spaghetti,
sweet banana ketchup, and so on. I am a man who likes to put jam on his pizza. Try it!

It's the weird food you want to avoid. In addition to duck fetus in the half-shell, items to
avoid in the Philippines include pig's blood soup (DINUGUAN); bull's testicle soup, the
strangely-named "SOUP NUMBER FIVE" (I dread to think what numbers one through four are);
and the ubiquitous, stinky shrimp paste, BAGOONG, and it's equally stinky sister, PATIS.
Filipinos are so addicted to these latter items that they will even risk arrest or
deportation trying to smuggle them into countries like Australia and the USA,
which wisely ban the importation of items you can smell from more than 100 paces.

Then there's the small matter of the purple ice cream. I have never been able to get my brain
around eating purple food; the ubiquitous UBE leaves me cold.

And lastly on the subject of weird food, beware: that KALDERETANG KAMBING (goat)
could well be KALDERETANG ASO (dog)...

The Filipino, of course, has a well-developed sense of food. Here's a typical Pinoy
food joke: "I'm on a seafood diet. "What's a seafood diet?" "When I see food, I eat it!"

Filipinos also eat strange bits of animals --- the feet, the head,
the guts, etc., usually barbecued on a stick. These have been given witty names,
like "ADIDAS" (chicken's feet); "KURBATA" (either just chicken's neck, or
"neck and thigh" as in "neck-tie"); "WALKMAN" (pigs ears); "PAL" (chicken wings);
"HELMET" (chicken head); "IUD" (chicken intestines), and BETAMAX" (video-cassette-like
blocks of animal blood).. Yum, yum. Bon appetit.

"A good name is rather to be chosen than great riches"-- (Proverbs 22:1)

WHEN I arrived in the Philippines from the UK six years ago, one of the
first cultural differences to strike me was names. The subject has
provided a continuing source of amazement and amusement ever since.
The first unusual thing, from an English perspective, is that everyone
here has a nickname. In the staid and boring United Kingdom, we have
nicknames in kindergarten, but when we move into adulthood we tend, I
am glad to say, to lose them.

The second thing that struck me is that Philippine names for both
girls and boys tend to be what we in the UK would regard as overbearingly
cutesy for anyone over about five. Fifty-five-year-olds colleague put it.
Where I come from, a boy with a nickname like Boy Blue or Honey Boy
would be beaten to death at school by pre-adolescent bullies, and never
make it to adulthood. So, probably, would girls with names like Babes,
Lovely, Precious, Peachy or Apples. Yuk, ech ech..
Here, however, no one bats an eyelid.

Then I noticed how many people have what I have come to call "door-bell names".

These are nicknames that sound like -well, doorbells. There are millions of them.
Bing, Bong, Ding, and Dong are some of the more common. They can be, and
frequently are, used in even more door-bell-like combinations such as
Bing-Bong, Ding-Dong, Ting-Ting, and so on. Even our newly appointed
chief of police has a doorbell name Ping. None of these doorbell names
exist where I come from, and hence sound unusually amusing to my
untutored foreign ear.

Someone once told me that one of the Bings, when asked why he was
called Bing, replied, "because my brother is called Bong". Faultless logic.
Dong, of course, is a particularly funny one for me, as where I come from "dong"
is a slang word for well; perhaps "talong" is the best Tagalog equivalent.

Repeating names was another novelty to me, having never before
encountered people with names like Len-Len, Let-Let, Mai-Mai, or Ning-Ning.
The secretary I inherited on my arrival had an unusual one: Leck-Leck.
Such names are then frequently further refined by using the "squared" symbol,
as in Len2 or Mai2. This had me very confused for a while.

Then there is the trend for parents to stick to a theme when naming
their children. This can be as simple as making them all begin with
the same letter, as in Jun, Jimmy, Janice, and Joy.

More imaginative parents shoot for more sophisticated forms of assonance
or rhyme, as in Biboy, Boboy, Buboy, Baboy (notice the names get worse the more kids
there are-best to be born early or you could end up being a Baboy).

Even better, parents can create whole families of, say, desserts
(Apple Pie, Cherry Pie, Honey Pie) or flowers (Rose, Daffodil, Tulip). The main
advantage of such combinations is that they look great painted across your trunk
if you're a cab driver.

That's another thing I'd never seen before coming to Manila -- taxis with the
driver's kids' names on the trunk.

Another whole eye-opening field for the foreign visitor is the phenomenon of the
"composite" name. This includes names like Jejomar (for Jesus, Joseph and Mary), and
the remarkable Luzviminda (for Luzon, Visayas and Mindanao, believe it or not).
That's a bit like me being called something like "Engscowani" (for England, Scotland, Wales and
Northern Ireland).. Between you and me, I'm glad I'm not.

And how could I forget to mention the fabulous concept of the randomly inserted
letter 'h'. Quite what this device is supposed to achieve, I have not yet figured out,
but I think it is designed to give a touch of class to an otherwise only averagely weird name.
It results in creations like Jhun, Lhenn, Ghemma, and Jhimmy. Or how about Jhun-Jhun (Jhun2)?

How boring to come from a country like the UK full of people with names like John Smith.
How wonderful to come from a country where imagination and exoticism rule the world of names.

Even the towns here have weird names; my favorite is the unbelievably named town of Sexmoan
(ironically close to Olongapo and Angeles). Where else in the world could that really be true?

Where else in the world could the head of the Church really be called Cardinal Sin?

Where else but the Philippines!

Note: Philippines has a senator named Joker, and it is his legal
name.


Related links:
Cebu's Taoist Temple
Great Places in Cebu

Sunday, February 27, 2011

Cebu's Taoist Temple

The Taoist Temple located in Beverly Hills Subdivision in Cebu City is a temple of worship for Taoism, the religion which follows the teachings of the ancient Chinese philosopher, Lao Tze. The temple has 81 steps stairs which devotees climb to it while lighting joss sticks and have their fortune read by them by the monks of the temple.

One could enjoy only the silence that the temple could offer and the beautiful architecture that makes up the temple. The entrance to the temple is a replica of the Great Wall of China and there is also a giant dragon statue inside the temple.

Friday, February 25, 2011

Great Places in Cebu


Magellan Cross Magellans cross is the cross planted by Spanish explores under Ferdinand Magellan upon arriving in Cebu, Philippines on April 21, 1521.
Now the cross is in a chapel next to Basilica Minore del Santo Nio on Magallanes Street, just in front of the city hall of Cebu City. It is stated that the cross standing now is not the original cross but a casing protecting the original cross inside it.
Magellan's Cross is a symbol of Cebu, and the chapel's image can be found in its city seal. It is also seen as the symbol of Roman Catholicism in the Philippines.



The Annual Sinulog Festival The Sinulog is an annual festival held to honor the child Jesus, known as the Santo NiƱo (Holy Child), patron of the city of Cebu. It is a dance ritual that commemorates the Cebuanos pagan origin, and their acceptance of Christianity.

This grand festival features a lively street parade with participants dancing in the unique sinulog dance accompanied by the rhythm of drums, trumpets, and native gongs

Ultraviewer: Who is me?

Well, well...here I go again.
Been wanting to start and maintain a blog for so long a time.
It has always been the excuses that I have made that blocks my desire to create and maintain one.

I, if not most of the time, always feel lazy when starting a blog.
For starters I always tell myself that I am busy.

Then, when I have the time, I put my attention to anime (Japanese animation).
Next, I bring myself to watching movies for an hour or two.
And lastly, I hope, is that I play the whole day with Rome Total War.

Guess now is the time to start all over again...


Related Links:
Pets and else: ultraviewer's blog on pets
BuzzedNow.com - Cebu Buy and Sell / Classified Ads
Award Winning Investors, Investments & Investing Advice Blogs - BlogCatalog Blog Directory