Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Money Matters Summit - Etrepreneur

Money Matters Summit- Etrepreneur


Make your investment work for you! Master the art of ex-deal! learn how to manage your finances efficiently! Pick up vital financial tips in starting your own business and making your enterprise grow!

details:

When: July 5, 2012
Venue: College of St. Benilde School of Design and Arts Building, 5th floorSDA Theater
# 950 P. Ocampo st (formerly Vito Cruz), Malate Manila
Time: 6:00 PM - 10:00 PM

Mechanics:
Present a copy of July issue of Entrepreneur Magazine to gain entry.  Participants can also pre-register by sending an email to kath.vanguardia@summitmedia.com.ph or texting the ff details to 09228077566

*Name
*Mobile Number
*Email Address
*Birthday


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How We Can Help To Rebuild Haiti?



How We Can Help To Rebuild Haiti?

A massive earthquake hit Haiti late Tuesday, killing thousands of people and wounding many more. The quake, measuring 7 on the Richter scale, has caused widespread damage in and around the capital Port-au-Prince, leaving a large number of people homeless and hungry.

The people of Haiti need food assistance as quickly as possible to prevent hunger worsening the misery already caused by the disaster.This is said to be Haiti's worst quake in two centuries. Every hour we wait means more lives are at risk.

As what we have experienced during the calamities (Ondoy and Santi) struck our country last years. Reliefs and helps coming from our neighboring countries. We our proud to have our peace keeping, medical and civilians volunteers that helping Haitians. Let us also pray for our "Kababayan" for their safety.

Leaders, movie personalities and countries around the world bind together to help Haiti. I invite you to help Haiti to rebuild their home and their lives. If you are worry to use your credit cards, you can choose Paypal or Google checkout. We can send our helps and reliefs to the following agencies:


Donate to UNICEFUNICEF is deploying clean water and sanitation supplies, therapeutic foods, medical supplies and temporary shelter to Jacmel and Port-au-Prince. UNICEF will also be focusing on children who have become separated from their families to protect them from harm or exploitation. You can donate using Paypal Express Check Out.


Other ways to help

Also accepting cash and in-kind donations are the following sites: Clinton Bush Haiti Fund, UNICEF (1-800-4UNICEF), Direct Relief, Yele Haiti, Partners in Health, Red Cross, World Food Program, Mercy Corps (1-888-256-1900), Save the Children, Lambi Fund, Doctors Without Borders, The International Rescue Committee, Care, William J. Clinton Foundation, Meds & Food For Kids, Feed the Children, Habitat for Humanity, Mayor's Fund for NYC

The following organizations are accepting SMS donations in the US only:
  • SMS text “HAITI” to 90999 to donate $10 to Red Cross relief efforts
  • SMS text “YELE” to 501501 to Donate $5 to Yele Haiti’s Earthquake Relief efforts
  • SMS text "GIVE10" to 20222 to donate $10 to Direct Relief


Photo by (Reuters Photo/Carlos Barria)
A woman catching loot from a ransacked store in Haiti. Almost a week after an earthquake killed tens of thousands of people and
destroyed much of the capital, Port-au-Prince, hundreds of thousands of Haitians are still desperately waiting for relief aid.


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What To Do During Recession? – Tips

What To Do During Recession? – Tips

Author: Unknown



I just want to share some tips during recession. I got it from my in-box. I hope these would help us in time of crisis.



Market

1. We all know that the market have slumped

2. We read about the jobless in news paper

3. People talk at least 24 months of recession

4. Early entrants are not getting jobs

5. Companies are closing

6. Sales not picking up

7. Suddenly cash has evaporated from the market

8. Profitability is severely hit

A. I am an Employee

1. I need to keep my job

2. I need to pay EMIs

3. I have a family to run

4. I need to keep working to sustain myself

5. I need to feel secure

6. I need to save a little money for a rainy day.

7. …

B. Basic Don'ts

1. Don't take too much vacation

2. Don't complain

3. Don't waste time gossiping

4. Don't resist transfer

5. Don't resist travel

6. Don't resist salary cut

7. Don't resist extra work load

8. Don't resist extra time in the office if needed

9. Don't don’t change job in this market. It's too risky.

10. Don't ask for promotion, Don't ask for salary increase. If you ask , you may soon not have a job. Remember there are people available with better skill at a lower salary levels.

C. Basic Do's

1. Be punctual to office

2. Ensure you pick up new skills

3. Ensure you deliver as per deadlines

4. Ensure that you contribute to knowledge forum, etc

5. Do something innovative

6. Take training programs

7. Organize team meeting to improve productivity

8. Always be engaged and productive

9. Work doubly hard and save money for your company

10. Remember, you r boss is always right and is the best (recession or no recession)

11. Be cheerful, keep smiling, life goes on.

D. Daily expenses

1. Take stock of your expenses – actually write it down

2. Tick " No need to have" vs "Nice to have"

3. Knock of all " Nice to have expenses" – right now

4. Assuming you don’t have a job. – Plan for cash to service for 24 months. Apparently, this recession will take at least 24 months to come out of sit on cash

5. Other tips to cut expenses

a. Going mall is expensive

b. Good restaurants are expensive

c. Impulsive is expensive

d. Taking flight is expensive

e. Eating out daily is expensive

f. Check services which are not using but have subscribed to

g. Going on vacation is expensive

E. The big loans

1. Home loan and EMI

a. If you own a home and you are living on it and paying EMI, then see if you can partially fore-close it.

2. If you have two homes and paying EMI on both

a. See if you can rent a second home – Don't bother the amount of rent. Rent to get cash flow going. Don't feel bad that the rental is not good enough. Trust me it will soon be a great feeling to rent.

b. If you have enough money, then fore-close a significant part of it if your interest rate is less than bank FD (which I doubt.) then you don't have to fore close.

c. If you think the property have a descent value, then sell it (though it is a buyer's market).

F. Do I buy anything now? Do I invest?

1. Investing in stock and mutual fund?

a. Generate money every month – take a systematic investment plan (about 15% of your salary) keep at low values for the next 24 months.

2. Buy an asset – Buy house/apartment/land?

a. If you have cash and feel secure, this is the great time to buy. you can negotiate hard with builders/developers. Actually you can write your own term of agreement.

· First Preference – buy (always buy small sites, it is easier to dispose. Else farm land is a great option, big land low cost.)

· Second Preference – buy house and land (again buy from known developers.)

· Third preference – Buy Apartment (you always wanted to buy 3-bed/4bed apartment from reputed builders, but could never afford). Now is the right time to ask for free. Some being sold at ridiculous prices.

G. I am looking for a job – What do I do?

1. Enroll to course/training/education as you searching for a job. To enhance your skills.

2. Enroll as a trainee anywhere you can get an opportunity. Most trainees end up getting confirmed employment as a build relationship. In a company.

3. Don’t have reference regarding – city, salary, location, designation, shift etc. just take it and gain experience. It is a first step for a long career.

4. Go through references of people who are already working.

5. During job interviews – the keywords which employers are looking for is “Flexibility”.

6. Agree for any “place, date, time to take job interview.

7. Please improve your communication skills. This is one skill fetches job!

H. These suggestions are tough – Do I live life or not?

1. The new principles – Happiness is inversely proportional to expectations/desires. More the expectations/desires – lesser the happiness and vise versa.

2. Some other ways to live great life.

a. Spend time with family – go for a picnic in a nearby garden.

b. Exercise and walk a lot, drink lot of water.

c. Listen to radio, watch some TV.

d. Visit libraries, read books which you purchase, but never have a chance to open them.

e. Go to friends and place for dinner.

f. Enroll into hobby – music, painting etc.

g. Do social service – start teaching, mentoring

h. Spend more time with your children.

i. Join laughter forum, attend conferences and meet interesting people

j. Go for concert

Don’t worry! What goes down will always go up. Market will rebound. These tips will prepare you to be a winner.

You can download this file in Power Point for your presentation or in Word format


Strengthening Your Marriage and Living Happily Ever After

Strengthening Your Marriage and Living Happily Ever After

By [http://ezinearticles.com/?expert=Domingo_Reyes]Domingo Reyes

Marriage is a give-and-take relationship, as the cliché goes and it is as a matter of fact true. It may sound as simple as these three words for singles out there who are on the way down the isle but they actually mean big responsibilities. In fact, good communications, better relationship, especially financial are the major recipes for a happy marriage.

Moments are expensive. It is not enough that you and your better half share time together. Sometimes, it is not worth it at all if you are physically present but your mind and emotions are somewhere. Turning each minute of togetherness into expensive, unforgettable moments is another thing that definitely works to the maximum.

Be Open To Each Other Good communications and openness is the key to a happy marriage. This is where trust and loyalty starts. When a husband and wife let each other know about how they feel at the moment - jealousy, anger, irritation, sadness - each is allowed to learn about their differences and similarities and make adjustments.

Being open to each other does not mean though that they must know every bit of information about each other. The element of mystery still works effectively to keep each other from being bored. Openness involves transparency of emotions so that they can settle whatever misunderstanding they have, they can share happy moments together and learn how to make each party happy. This strengthens the relationship.
Anything can be settled with a quality heart-to-heart talk. It is not advisable for a married couple to sleep on their misunderstandings. Some believe that letting thing cool down is much better than pushing things. This is actually not effective for the most part. Oftentimes, letting things cool down is actually letting the holes grow bigger, while talking things over before the day ends is like patching up the crack. One of them surely will not be able to sleep better and wake up better when they have a hanging discussion to finish. A couple can better understand each other and can pinpoint the problem immediately if they are able to talk about it at once, thus resolving it and having a good night's sleep.

Strong Financial Bond One of the most common issues a married couple often has to discuss over is finances. It is not that easy to put all the financial responsibilities in perfect place. Often, it becomes the root of all disputes. It happens especially if a couple can no longer cope up with money matters, when one has become unable, or when they have too many expenses to settle yet have too little to draw.

This is actually the first thing that a couple needs to organize since they have a family and a household to run. They should both be willing to make an effort to keep their financial relationship intact.
A couple may open a joint bank account or debit card (online and offline) aside from a separate bank account to keep track of how much they make as a pair and individually. This is to allow financial dependence and independence at the same. Both should have room for financial growth without competing with each other.
What if there was a legal, moral, ethical way you could pay off your 15 to 30 year mortgage in 5 year or less without using your own money to accelerate the loan payoff?

Visit http://www.dreambizpro.com and contact me at [mailto:debtfree@mingo2.ws]debtfree@mingo2.ws for further information
Article Source: http://EzineArticles.com/?expert=Domingo_Reyes http://EzineArticles.com/?Strengthening-Your-Marriage-and-Living-Happily-Ever-After&id=1420117

Summary:

Marriage is a give-and-take relationship, as the cliche goes and it is as a matter of fact true. It may sound as simple as these three words for singles out there who are on the way down the isle but they actually mean big responsibilities. In fact, good communications, better relationship, especially financial are the major recipes for a happy marriage.

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