tag:blogger.com,1999:blog-6935321907271189452024-03-06T03:41:31.686+08:00Wealthy DiscoveriesCome and join the journey towards financial freedom. It contains pieces of independent financial advice that are no nonsense, practical and straightforward that anyone can relate to (most specially Filipino women).Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.comBlogger51125tag:blogger.com,1999:blog-693532190727118945.post-46770778582537717662011-03-23T12:58:00.000+08:002011-03-23T12:58:54.726+08:00Forbes' List Of Young Millionaires<div style="font-family: Verdana,sans-serif; text-align: justify;">These entrepreneurs, interviewed by Forbes over the last three years, started launching businesses by the tender age of 9. Some of them identified problems and created companies to solve them, while others turned their hobbies into money-making ventures. Some teamed up with friends, parents and mentors; others plowed ahead on their own. To qualify for this round-up, the kids had to have cracked $1 million in revenue before college graduation and by age 22 (or be on track to do so), or had to have received funding that valued their operations at $1 million or more.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><img align="left" alt="jasonbrian.jpg" height="243" src="http://l.yimg.com/a/p/fi/36/65/98.jpg" style="margin-right: 8px;" width="200" /> <b><big>Autocricket</big></b></div><div style="font-family: Verdana,sans-serif; text-align: justify;">In the summer of 2008, after his high school graduation, Jason Brian started working in the marketing department of a South Florida car dealership. He knew the future of marketing was on the Web. "With half of the money, I found that I could double the results," by buying online ads and using search engine optimization techniques, he recalls. Three years later, at age 21, Brian spent "less than $10,000" of his savings to build a website that would help consumers look for cars. <a href="http://us.lrd.yahoo.com/SIG=110an4c9p/**http%3A//www.Autocricket.com/" target="_blank">Autocricket.com</a> made money by selling customers' information to dealers and manufacturers, which could market to customers directly. Six months after launch the site attracted the attention of two entrepreneurs in Naples, Fla., who invested $250,000. The site generated $1.2 million in revenue in 2009, when Brian was 22. In 2010 it did $6 million.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><img align="left" alt="joshuadziabiak.jpg" height="243" src="http://l.yimg.com/a/p/fi/36/66/00.jpg" style="margin-right: 8px;" width="200" /></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><b><big>Showclix</big></b></div><div style="font-family: Verdana,sans-serif; text-align: justify;">In 2005, when he was 18, Joshua Dziabiak sold his first company--a Web hosting firm called Mediacatch--for north of $1 million. He bought a Mercedes (in cash) and a flat-screen TV, and used the rest to invest in other companies, including Showclix, his current venture, a website that lets performing arts centers, colleges, live music venues and other outlets sell tickets online, over the phone and at their box offices. In 2009 he raised nearly $1 million, which valued the company at $2.75 million. Showclix collects services fees (usually paid by the ticket buyer) of 7% to 15% of ticket sales. Those fees brought in $9 million last year.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><img align="left" alt="miluntesovic.jpg" height="243" src="http://l.yimg.com/a/p/fi/36/66/02.jpg" style="margin-right: 8px;" width="200" /> <b><big>Metrolyrics.com</big></b></div><div style="font-family: Verdana,sans-serif; text-align: justify;">In 2002, when Milun Tesovic was 16, he started a music website as a hobby, compiling lyrics to his favorite songs. Two years later he decided to turn it into a company. Today <a href="http://us.lrd.yahoo.com/SIG=110derj3f/**http%3A//www.Metrolyrics.com/" target="_blank">Metrolyrics.com</a> has a database of lyrics of 2 million songs; it licenses some of them, and others users post on the site for free. The company, now with 20 employees, makes money selling ads, and hit $1 million in revenue in 2007, when Tesovic was 21. Tesovic juggles work with classes at Simon Fraser University in British Columbia, Canada, where he is a business major. "For me education isn't helping me find a career," he says. "It's more about growing myself."</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><img align="left" alt="danielgomez.jpg" height="243" src="http://l.yimg.com/a/p/fi/36/66/03.jpg" style="margin-right: 8px;" width="200" /> <b><big>Solben</big></b></div><div style="font-family: Verdana,sans-serif; text-align: justify;">Twenty-year-old Daniel Gómez Iñiguez launched Solben, a company that designs and manufactures a press that extracts oil from plants to produce diesel fuel. Iñiguez began his R&D in high school. He sold to his first client for $150,000--$75,000 up front to help build the product, followed by $75,000 upon delivery. The Monterrey, Mexico, company brought in "a little over $1 million" in revenue during its first year of business. Today it employs 15 full-time staff; Iñiguez is entering his junior year of college.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
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</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><img align="left" alt="jamiemurray.jpg" height="200" src="http://l.yimg.com/a/p/fi/36/66/04.jpg" style="margin-right: 8px;" width="286" /></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><b><big>Glasses Direct</big></b></div><div style="font-family: Verdana,sans-serif; text-align: justify;">When 21-year-old university student Jamie Murray Wells attempted to buy a pair of prescription eyeglasses in 2004, he had a vision for a new type of business. Nonplussed by the $300 price tag, Wells decided to leave school and funnel his $2,000 student loan into what would become Glasses Direct, a London-based online retailer. In the first year the company's revenue topped $2 million.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><i>Note: At the time of this writing, in 2010, the company pulled in $5 million in annual revenue, employed 70 people and had raked in $34 million in venture funding.</i></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
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<tr> <td style="padding-bottom: 3px;" width="284"><img alt="frasordoherty.jpg" height="200" src="http://l.yimg.com/a/p/fi/36/65/93.jpg" width="286" /><br />
<small>Dave Hogan/Getty</small></td></tr>
</tbody></table><div style="font-family: Verdana,sans-serif; text-align: justify;"><b><big>SuperJam </big></b></div><div style="font-family: Verdana,sans-serif; text-align: justify;">In 2002, at the age of 14, Fraser Doherty started making jams in his parents' kitchen in Edinburgh, Scotland. By age 16 Doherty left school to work on his jams full time. SuperJam's revenue hit $1.2 million in 2009.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><i>Note: At the time of this writing, in 2010, Doherty remained the company's only full-time employee. Based on a reasonable valuation multiple of one time revenue (jelly maker J.M. Smucker traded between 1 and 1.5 times revenue), Doherty's debt-free stake was worth between $1 million and $2 million.</i></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><img align="left" alt="michaelfurdyck.jpg" height="200" src="http://l.yimg.com/a/p/fi/36/65/95.jpg" style="margin-right: 8px;" width="286" /></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><b><big>Mydesktop.com </big></b></div><div style="font-family: Verdana,sans-serif; text-align: justify;">In 1996 Michael Furdyk, then 16, started <a href="http://us.lrd.yahoo.com/SIG=10uaj4m77/**http%3A//www.MyDesktop.com/" target="_blank">MyDesktop.com</a>, an online computer magazine, in the basement of his parents' home in suburban Toronto. His site was filled with tips and advice Furdyk gleaned in online chat rooms, where he came across fellow teenager Michael Hayman. Hayman, an Australian, moved to Toronto to help build the business. Running lean, the pair bartered for website storage space and office rent. Soon MyDesktop.com was bringing in $60,000 a month in ad revenue from blue-chip clients like Microsoft.</div><div><noscript>&amp;lt;img width=1 height=1 alt="" src="http://us.bc.yahoo.com/b?P=13CnuEPDkjnuyZa3TIgzIAHzyoqI3E2JegcABVjh&amp;amp;T=17srfpe27%2fX%3d1300855303%2fE%3d97702451%2fR%3dfin%2fK%3d5%2fV%3d2.1%2fW%3dH%2fY%3dYAHOO%2fF%3d2872289512%2fH%3dc2VydmVJZD0iMTNDbnVFUERram51eVphM1RJZ3pJQUh6eW9xSTNFMkplZ2NBQlZqaCIgc2l0ZUlkPSI0NDUxMDUxIiB0U3RtcD0iMTMwMDg1NTMwMzM0MDQwMSIg%2fQ%3d-1%2fS%3d1%2fJ%3d1E93C343&amp;amp;U=12crr77i5%2fN%3dn_5bKkPDhF4-%2fC%3d-1%2fD%3dFSQR%2fB%3d-1%2fV%3d0"&amp;gt;</noscript> </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><i>Note: In 1999 Furdyk, Hayman and a third partner sold the site to <a href="http://us.lrd.yahoo.com/_ylt=AncfRPazcSW49vF.DnDXMVMz0tIF;_ylu=X3oDMTE2NmZtOGJ1BHBvcwMxBHNlYwNhcnRpY2xlRmluYWwEc2xrA2ludGVybmV0Y29t/SIG=10tmek3sj/**http%3A//www.Internet.com/" target="_blank">Internet.com</a> for "over $1 million," Furdyk told Forbes in 2010.</i></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><a href="http://www.blogger.com/goog_83665280"><br />
</a></div><div style="text-align: justify;"><a href="http://www.blogger.com/goog_83665280" style="font-family: Verdana,sans-serif;">Source: </a><a href="http://finance.yahoo.com/career-work/article/112341/how-to-make-1-million-before-you-graduate" style="font-family: Verdana,sans-serif;">Yahoo Finance and Forbes.com</a></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-48912064956645436312011-02-09T21:26:00.000+08:002011-02-09T21:26:57.929+08:00Article on The Philippine Star<div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><span id="ctl00_cph1_Article1_FormView1_ArticleHeaderLabel" style="line-height: 25px;">I read this article entitled, <a href="http://www.philstar.com/Article.aspx?articleId=655311&publicationSubCategoryId=74">Investing In Mutual Funds Results In Huge Earnings</a>, which cites different investors and their earnings over a period of time. </span><span id="ctl00_cph1_Article1_FormView1_ArticleHeaderLabel" style="line-height: 25px;">It also explains various mutual fund products which suits every investor's needs.</span></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><span id="ctl00_cph1_Article1_FormView1_ArticleHeaderLabel" style="line-height: 25px;"> </span></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><span id="ctl00_cph1_Article1_FormView1_ArticleHeaderLabel" style="line-height: 25px;"><a href="http://www.rampveradvisors.com/">Source: RSA</a> </span></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><span id="ctl00_cph1_Article1_FormView1_ArticleHeaderLabel" style="line-height: 25px;"><br />
</span></span></div><div style="font-family: Verdana,sans-serif;"></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-31007359346606264362011-02-06T10:59:00.001+08:002011-02-06T15:20:05.489+08:00Meeting P-Noy<div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: justify;">What a great way to start the Chinese New Year! I had the privilege of meeting our President last night. </div><div class="separator" style="clear: both; text-align: left;"><br />
</div><div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ701wUBRl4gOvEYSuWTJ27cYLtJbpw_-B20FAh2eiitgR6wh0-aTxHSGA8W98nLloZIHNBW1r73siqeF8qdDmO2RJ35KIX41KtalIfPnRxAcb0BtLt3szJcAfNRkj2g300wnCL5MnU3ew/s1600/DSC02983.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ701wUBRl4gOvEYSuWTJ27cYLtJbpw_-B20FAh2eiitgR6wh0-aTxHSGA8W98nLloZIHNBW1r73siqeF8qdDmO2RJ35KIX41KtalIfPnRxAcb0BtLt3szJcAfNRkj2g300wnCL5MnU3ew/s320/DSC02983.JPG" style="cursor: move;" width="320" /></a></div><div class="separator" style="clear: both; text-align: justify;"><br />
</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-6919555203162486922011-02-06T00:14:00.000+08:002011-02-06T00:14:29.982+08:00Financial Blogs I Follow<div style="font-family: Verdana,sans-serif;"><span style="font-size: small;">Here are some of the financial blogs I follow. I learn so much from them so I thought of sharing them with you!</span></div><ol style="font-family: Verdana,sans-serif;"><li><span style="font-size: small;"><a href="http://fitzvillafuerte.com/">Ready To Be Rich</a> </span></li>
<li> <span style="font-size: small;"><a href="http://www.pinoymoneytalk.com/">Pinoy Money Talk</a> </span></li>
<li><span style="font-size: small;"><a href="http://personal-finance-free.blogspot.com/">Money Magnets</a> </span></li>
<li> <span style="font-size: small;"><a href="http://entrebankph.com/">EntrePinoy Bank</a></span></li>
</ol><div style="font-family: Verdana,sans-serif;"><span style="font-size: small;"> Have a good read! :)</span></div><div style="font-family: Verdana,sans-serif;"><br />
</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-78206374470148321022011-01-26T21:22:00.000+08:002011-01-26T21:22:01.709+08:00How To Open A Mutual Fund Account<div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">This entry is in response to Shine’s request on how to start a mutual fund account. </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">I can only speak for the mutual fund companies I have invested but the process is almost the same for all.</span><br />
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</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">For Philequity Management Inc. (PEMI), <a href="http://www.philequity.net/redeem.php?id=20070804085807705">Click LINK</a></span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
<span style="font-size: small;">For First Metro Asset Management Inc. (FAMI), <a href="http://fami.com.ph/?page_id=308">Click LINK</a></span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">For ALFM (BPI) –Visit any BPI branch and ask about their mutual funds. They will give your forms to fill-out. Here are the various ALFM mutual funds, <a href="http://wealthydiscoveries.blogspot.com/2010/12/alfm-family-of-funds.html">Click LINK </a></span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><div style="text-align: justify;"><span style="font-size: small;">For Philam Asset Management (PAMI), here's the investment procedure.</span><!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" LatentStyleCount="156"> </w:LatentStyles> </xml><![endif]--><!--[if gte mso 10]> <style>
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</style> <![endif]--> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.25in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>1.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span>For Individual or Corporate Accounts:</span><span></span></span></div><div style="text-align: justify;"> </div><ul style="font-family: Verdana,sans-serif; margin-top: 0in; text-align: justify;" type="disc"><li class="MsoNormal"><span style="font-size: small;"><span>Investor/s fills the following forms:</span></span></li>
</ul><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 1.25in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>a.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span><span></span>Investment Application Form (IAF)</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 1.25in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>b.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span>Client Information Sheet</span></span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 1.25in; text-align: justify; text-indent: -0.25in;"><br />
</div><div style="text-align: justify;"> </div><ul style="font-family: Verdana,sans-serif; margin-top: 0in; text-align: justify;" type="disc"><li class="MsoNormal"><span style="font-size: small;"><span>Investor/s submits a photocopy of any government issued ID.</span></span></li>
<li class="MsoNormal"><span style="font-size: small;"><span>At most, 3 persons can open a joint account</span></span></li>
<li class="MsoNormal"><span style="font-size: small;"><span>For Corporate Account please submit the ff:</span></span></li>
</ul><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.75in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>1.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span>Articles of Incorporation & By-Laws</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.75in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>2.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span>Certificate of Registration</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.75in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>3.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span>Board Resolution, authorizing the investment </span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.75in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>4.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span>Secretary’s Certificate w/ Specimen Signature</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.75in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>5.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span>Certificate of Beneficial Ownership</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.5in; text-align: justify;"><br />
</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.25in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><i><span><span>2.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span></i><span>Investments can be made through:</span><i><span></span></i></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 35.25pt; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span><span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span>CHECK:<span> </span></span><span>Check should be made payable to the fund, i.e.,</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 17.25pt; text-align: justify;"><br />
</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 171pt; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>–<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><i><span>Philam Bond Fund, Inc. </span></i></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 171pt; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>–<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><i><span>Philam Fund, Inc. </span></i></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 171pt; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>–<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><i><span>Philam Strategic Growth Fund, Inc., </span></i></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 171pt; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>–<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><i><span>Philam Managed Income Fund, Inc., </span></i></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 171pt; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>–<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><i><span>GSIS Mutual Fund, Inc.</span></i></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 153pt; text-align: justify;"><br />
</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 35.25pt; text-align: justify;"><span style="font-size: small;"><span>(For any out-of-town checks or offshore dollar checks received, booking of investment will be made upon clearance of check).</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 35.25pt; text-align: justify;"><br />
</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 35.25pt; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span><span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span>CASH</span><span> -<i> </i>For dollar cash notes, please provide a copy of the dollar bill serial number or a photocopy of the dollar bills.</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 17.25pt; text-align: justify;"><br />
</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.25in; text-align: justify; text-indent: -0.25in;"><span style="font-size: small;"><span><span>3.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span>For investment coursed through BANKS</span><span>, deposit amount payable to the fund with the corresponding bank account number.<span> </span>Please provide PAMI a copy of the deposit slip and fax IAF & Deposit Slip to fax # 813-6813/18 before the cut-off time, 12 noon.<span> </span>Please indicate name of BDO as recipient.</span></span></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; margin-left: 0.25in; text-align: justify;"><span style="font-size: small;"><i><span>Note for Faxed Investments:<span> </span></span></i><i><span>Original Receipts and Confirmation of Purchase (OR/COP) will be released only after ORIGINAL copies of investment forms and deposit slips have already been submitted to PAMI.</span></i></span></div></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-91792732850675590312011-01-26T20:55:00.001+08:002011-01-26T21:03:20.447+08:00Pia’s Practical Tip #4 On Saving Money<div style="font-family: Verdana,sans-serif;"><span style="font-size: small;">Tip #4:</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Auto-deduct your savings or investments on a regular basis (e.g monthly, every payday, etc).</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Qualitative Benefit:</span></div><ul style="font-family: Verdana,sans-serif; margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;"><span style="font-size: small;">You are not tempted to spend your money whenever payday comes.</span></li>
</ul><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Quantitative Benefit:</span></div><ul style="font-family: Verdana,sans-serif; margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;"><span style="font-size: small;">If you invest Php 1,000.00 per month, you’ll be able to accumulate Php 16,000.00 per year @ 12%. </span></li>
</ul>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-11456936430997157032011-01-14T15:26:00.000+08:002011-01-14T15:26:49.535+08:00Goal #1 - Check!<div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">So much good news this week!<br />
<br />
I finally issued monthly checks for my mutual fund investment equivalent to 5%! Increasing my long-tern investment of 10% (at present) to 15% is one of my goals for 2011 and it’s already claimed! </span> <span style="font-size: small;"><br />
<br />
I was planning to postpone it until middle part of the year but after reading this article </span><span style="font-size: small;"><a href="http://sg.finance.yahoo.com/news/5-Secrets-of-Successful-usnews-3282300041.html">entitled 5 Secrets of Successful Savers (click here)</a>, I felt I had to do it. <br />
<br />
In other words, I had to ACT and MOVE! </span> <span style="font-size: small;"><br />
<br />
Here’s an excerpt from the article: </span> <span style="font-size: small;"><br />
<a href="http://sg.finance.yahoo.com/news/5-Secrets-of-Successful-usnews-3282300041.html">5 Secrets of Successful Savers</a></span> <span style="font-size: small;"><br />
<br />
<i>1) They started slowly. Overcoming the initial inertia that prevents many of us from saving is often the hardest step. That's why starting by saving just a small amount can get you on the path towards bigger savings. Nicole Mladic, a 31-year-old communications director in Chicago, couldn't afford to put away a big chunk of her salary when she was in her mid-20s, so she started saving 2 percent. A few months later, she raised it to 3 percent, then went to 4 percent, and eventually reached her goal of 10 percent. Today, her net worth is over $90,000</i>.</span> <span style="font-size: small;"><br />
</span></div><div style="text-align: justify;"><span style="font-size: small;"><span style="font-family: Verdana,sans-serif;">It’s a great start indeed! </span></span><br />
<div style="text-align: justify;"><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLZPdnfTsOfW0CsNiF4JPHjcK1jppUin42P5PFIc7wELcIecvT9rY4cj_tUPhaDJFq86ruE3kTMovf1CZxZ1WuO7oRF2_Owwgv7L2tLhCuIjF6L0oz83WQxYboia-7V9uModuIPekjUNLe/s1600/Picture+014.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLZPdnfTsOfW0CsNiF4JPHjcK1jppUin42P5PFIc7wELcIecvT9rY4cj_tUPhaDJFq86ruE3kTMovf1CZxZ1WuO7oRF2_Owwgv7L2tLhCuIjF6L0oz83WQxYboia-7V9uModuIPekjUNLe/s320/Picture+014.jpg" width="320" /></a></div><span id="goog_1379527793"></span><span id="goog_1379527794"></span></div></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com2tag:blogger.com,1999:blog-693532190727118945.post-58782301013958572462011-01-11T23:11:00.000+08:002011-01-11T23:11:05.575+08:00Wealth Within Your Reach Pera Mo, Palaguin Mo by Francisco J. Colayco<div style="font-family: Verdana,sans-serif; text-align: justify;">Francisco J. Colayco is one of my mentors towards financial freedom. I have not met him personally but I can reach him through his books and seminars under the <a href="http://www.colaycofoundation1.com/">Colayco Foundation for Education</a>. </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">I read Wealth Within Your Reach Pera Mo, Palaguin Mo a few years back and it is a good book to motivate us towards our goal. It has in-depth discussions on financial independence and makes us understand its importance. </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">It also shares stories of successful entrepreneurs and how we can learn from their successes and failures.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">This is a must read for every Filipino living here and abroad most specially those who want a clear understanding on financial wisdom. </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">It does not only talk of the basics on financial independence but most importantly, the hows and what can be done. </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">Here's a summary of Francisco Colayco's Pera Palaguin Commandments for Financial Freedom:</div><ol style="font-family: Verdana,sans-serif; text-align: justify;"><li>Pay Yourself First</li>
<li>Define Your Financial Target At Each Phase</li>
<li>Stop Spending On Things That Decline On Value</li>
<li>Protect Your Greatest Income Generating Asset: Yourself</li>
<li>Grow With The Economy And Beat Inflation</li>
<li>Trust The Power of Compound Interest</li>
<li>Assess Risks and Options: The Higher the Return, the Higher the Risk</li>
<li>Make Money Work For You</li>
<li>Invest And Diversify</li>
<li>Use The Power Of One: Strength In Numbers</li>
</ol><div style="text-align: justify;"><span style="font-family: Verdana,sans-serif;">Click <a href="http://www.colaycofoundation1.com/resources/buy-now/">LINK</a> To Buy Book Now!</span></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjepR_1KrtZDY027fcbVLPQBMcNRgWUYyHMu6N9Os5X-OxpMlOQsaIIn4MRA4yHgG2sWr567j3X5ut9hpAjPLodzr95KRiZoShltshZ-tV3vy-MwGqmbv9y9IG8uZm7nXEZspfHR5jffvW5/s1600/Picture+011.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjepR_1KrtZDY027fcbVLPQBMcNRgWUYyHMu6N9Os5X-OxpMlOQsaIIn4MRA4yHgG2sWr567j3X5ut9hpAjPLodzr95KRiZoShltshZ-tV3vy-MwGqmbv9y9IG8uZm7nXEZspfHR5jffvW5/s320/Picture+011.jpg" width="240" /></a></div><br />
</div><div style="text-align: justify;"><br />
</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-86653019234068899412011-01-11T22:57:00.001+08:002011-01-11T22:59:34.553+08:00The Power Of Compound Interest – An Illustration<div style="font-family: Verdana,sans-serif; text-align: justify;">A family member of mine has finally decided to put in monthly investments in an equity fund. She started this January 2011 and chose Philequity Fund.</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
Actually, she has made initial investments last year but failed to be persistent in investing regularly. </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">I do understand her situation since she is a new wife and mother so her family is just recovering from major family-related expenses. Any newly-married couple can relate to her.</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">But for the new year, she finally decided to ACT and INVEST REGULARLY. And she called me to tell the good news! She will put in Php 3,000.00 monthly to her equity fund and issued post-dated checks for the rest of the year.</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">I am so happy for her! She is finally realizing her goal to become a multi-millionaire someday by letting her money work for her. </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">I would like to show a chart that will illustrate the value of her Php 3,000.00 monthly investments in the years to come. I showed the same chart to her during one of our sharings on investments and financial freedom.</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; font-family: Verdana,sans-serif; margin-left: 4.55pt; width: 373px;"><tbody>
<tr style="height: 47.25pt;"> <td nowrap="nowrap" style="border: 1pt solid windowtext; height: 47.25pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">Year</span></div></td> <td nowrap="nowrap" style="border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 47.25pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">Age</span></div></td> <td style="border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 47.25pt; padding: 0in 5.4pt; width: 92pt;" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">Future Value Of Investment at 12% per Annum*</span></div></td> <td style="border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 47.25pt; padding: 0in 5.4pt; width: 92pt;" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">Future Value Of Investment at 15% per Annum*</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2011</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">30</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 36,000.00 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 36,000.00 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2012</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">31</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 80,640.00 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 82,800.00 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2013</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">32</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 130,636.80 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 136,620.00 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2014</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">33</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 186,633.22 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 198,513.00 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2015</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">34</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 249,349.20 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 269,689.95 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2016</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">35</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 319,591.11 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 351,543.44 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2017</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">36</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 398,262.04 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 445,674.96 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2018</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">37</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 486,373.48 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 553,926.20 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2019</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">38</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 585,058.30 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 678,415.13 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2020</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">39</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 695,585.30 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 821,577.40 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2021</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">40</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 819,375.53 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 986,214.01 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2022</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">41</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 958,020.60 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,175,546.12 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2023</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">42</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,113,303.07 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,393,278.03 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2024</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">43</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,287,219.44 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,643,669.74 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2025</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">44</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,482,005.77 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,931,620.20 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2026</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">45</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,700,166.46 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 2,262,763.23 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2027</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">46</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 1,944,506.44 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 2,643,577.71 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2028</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">47</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 2,218,167.21 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 3,081,514.37 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2029</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">48</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 2,524,667.28 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 3,585,141.52 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2030</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">49</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 2,867,947.35 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 4,164,312.75 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2031</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">50</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 3,252,421.03 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 4,830,359.67 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2032</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">51</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 3,642,711.55 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 5,554,913.62 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2033</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">52</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 4,079,836.94 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 6,388,150.66 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2034</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">53</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 4,569,417.37 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 7,346,373.26 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2035</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">54</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 5,117,747.46 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 8,448,329.25 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2036</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">55</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 5,731,877.15 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 9,715,578.63 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2037</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">56</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 6,419,702.41 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 11,172,915.43 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2038</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">57</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 7,190,066.70 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 12,848,852.74 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2039</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">58</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 8,052,874.71 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 14,776,180.65 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2040</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">59</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 9,019,219.67 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 16,992,607.75 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2041</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">60</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 10,101,526.03 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 19,541,498.92 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2042</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">61</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 11,313,709.15 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 22,472,723.75 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2043</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">62</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 12,671,354.25 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 25,843,632.32 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2044</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">63</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 14,191,916.76 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 29,720,177.16 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2045</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">64</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 15,894,946.78 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 34,178,203.74 </span></span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">2046</span></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% white; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 48pt;" valign="bottom" width="64"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;">65</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 17,802,340.39 </span></span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 92pt;" valign="bottom" width="123"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><span style="color: black;"> 39,304,934.30 </span></span></div></td> </tr>
</tbody></table><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: xx-small;">*Annual return of 12% and 15% per annum. P 36,000 per year until she’s </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: xx-small;">50 years old. Projected returns are not guaranteed. The fund can perform </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: xx-small;">well in some years and poorly in others. Historical performance is not indicative </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: xx-small;">of future performance. The figures presented here are for illustration only, </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: xx-small;">with assumptions on the rate of return that can be achieved by the fund over the </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: xx-small;">long term.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">That is assuming she will only invest Php 3,000.00 per month but as she gets older and continues to climb the corporate ladder, she will be able to earn more and hopefully, invest more, thus, increasing her potential returns.</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Congratulations and may you continue to ride this journey!</div><div class="MsoNormal" style="text-align: justify;"><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJg2I1PzPCKZIX78EKTO6cv7-ct8l8-4KR7uFXPph2Wsu5_3h2KmiN79p58yp5yrMFBYxD6HbZZLY-axNyQKj4QTSMfBynGdUDTCfItblhF_o5iFgxCUTg1wDuYn3tHZq52tu9cEvX5nIC/s1600/166456_1363323821661_1788591328_711659_2250575_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJg2I1PzPCKZIX78EKTO6cv7-ct8l8-4KR7uFXPph2Wsu5_3h2KmiN79p58yp5yrMFBYxD6HbZZLY-axNyQKj4QTSMfBynGdUDTCfItblhF_o5iFgxCUTg1wDuYn3tHZq52tu9cEvX5nIC/s320/166456_1363323821661_1788591328_711659_2250575_n.jpg" width="320" /> </a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: Verdana,sans-serif;">My sister and I...Cheers!</span> </div><br />
</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-58546935478676940442011-01-11T16:39:00.000+08:002011-01-11T16:39:53.824+08:00Pia’s Practical Tip #3 On Saving Money<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Tip #3:</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Use cash instead of credit when shopping.</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Qualitative Benefit:</div><ul style="font-family: Verdana,sans-serif; margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;">You’ll not overspend. You’ll be able to shop within your means.</li>
</ul><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Quantitative Benefit:</div><ul style="font-family: Verdana,sans-serif; margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;">You’ll rid yourself of credit card charges in the event you cannot pay in full. Savings of at least Php 2,100.00 per year. Computation @ Php 175.00 as finance charge monthly for a Php 5,000.00 shopping spree.</li>
</ul><span id="goog_873254970"></span><span id="goog_873254971"></span><br />
<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRnxCdkhosoWnzkkiruZAxG2OfCnpq00zYOOq9Gx1s5ydh1-nkXU9mUJrvWeAK3M_wAzIgA7CYEFS_vLPHmYJ-_AayjvCynx15RhHPew8UGShucNawpZoZ2IAv9Y5cfD00QaS6dXNz7sxF/s1600/Girl_withShoppingBags_Cutou.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRnxCdkhosoWnzkkiruZAxG2OfCnpq00zYOOq9Gx1s5ydh1-nkXU9mUJrvWeAK3M_wAzIgA7CYEFS_vLPHmYJ-_AayjvCynx15RhHPew8UGShucNawpZoZ2IAv9Y5cfD00QaS6dXNz7sxF/s320/Girl_withShoppingBags_Cutou.gif" width="202" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRnxCdkhosoWnzkkiruZAxG2OfCnpq00zYOOq9Gx1s5ydh1-nkXU9mUJrvWeAK3M_wAzIgA7CYEFS_vLPHmYJ-_AayjvCynx15RhHPew8UGShucNawpZoZ2IAv9Y5cfD00QaS6dXNz7sxF/s1600/Girl_withShoppingBags_Cutou.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><br />
</a></div><div style="text-align: center;"><a href="http://www.liquidationexperts.com/video1.html">image source</a></div></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-22133676424778452242011-01-07T12:44:00.001+08:002011-01-07T12:47:15.493+08:00Pia’s Practical Tip #2 On Saving Money<div style="font-family: Verdana,sans-serif;"><span style="font-size: small;">Tip #2:</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Withdraw or inquire ATM transactions from the same bank.</span><span style="font-size: small;"> Other banks often charge fees.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Qualitative Benefit:</span></div><ul style="font-family: Verdana,sans-serif; margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;"><span style="font-size: small;">You can directly go the bank (over-the-counter) if something goes wrong with the ATM machine.</span></li>
</ul><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Quantitative Benefit:</span></div><ul style="font-family: Verdana,sans-serif; margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;"><span style="font-size: small;">You’ll save up on transaction fees.</span><span style="font-size: small;"> Savings of at least Php 480.00 per year.</span><span style="font-size: small;"> Computation @ Php 10.00 per ATM transaction, weekly.</span></li>
</ul><span style="font-family: Verdana;"> </span> <br />
<span style="font-family: Verdana;"> </span> <br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi0gtVj9N7EUHHsMjVdCqqlisQXKtH5YKZ7ODgD6uCCklhtF4Ar2do-wSk2TdJFmiSwU37xMc2mxOmqZctzrPW_SAVbJu_ymgalsn3UncmZ0VpGsU6xzlNypXlw9pEMUhxSr_DZsyjLJjS/s1600/fb80605545ff24eb9485e0a50e60_grande.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi0gtVj9N7EUHHsMjVdCqqlisQXKtH5YKZ7ODgD6uCCklhtF4Ar2do-wSk2TdJFmiSwU37xMc2mxOmqZctzrPW_SAVbJu_ymgalsn3UncmZ0VpGsU6xzlNypXlw9pEMUhxSr_DZsyjLJjS/s400/fb80605545ff24eb9485e0a50e60_grande.jpg" width="400" /></a></div><div style="text-align: center;"><div style="text-align: center;"><span style="font-family: Verdana;"><a href="http://www.google.com/imgres?imgurl=http://cdn.wn.com/pd/2c/b4/fb80605545ff24eb9485e0a50e60_grande.jpg&imgrefurl=http://article.wn.com/view/2010/06/01/Business_Large_The_Passing_of_the_Inventor_of_the_ATM_Just_d/&usg=__EJS0nkOiBPmivQlH46YJ8sgCukY=&h=351&w=468&sz=36&hl=en&start=95&zoom=1&tbnid=5rQsVaEUsgjY_M:&tbnh=133&tbnw=177&prev=/images%3Fq%3Datm%2Bwithdarwal%2Bphilippines%26um%3D1%26hl%3Den%26sa%3DG%26biw%3D1280%26bih%3D580%26tbs%3Disch:11%2C24221%2C2422&um=1&itbs=1&iact=hc&vpx=473&vpy=295&dur=3296&hovh=194&hovw=259&tx=81&ty=215&ei=SZgmTfjPF4GucO2OjZMB&oei=7pYmTZfeBs3irAecrMi_Cw&esq=30&page=6&ndsp=18&ved=1t:429,r:14,s:95&biw=1280&bih=580">image source</a> </span></div><span style="font-family: Verdana;"></span></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-19218904612979953012011-01-06T16:56:00.000+08:002011-01-06T16:56:47.535+08:00Pia’s Practical Tip #1 On Saving Money<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Tip #1:</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Internet or Electronic Banking. Have your account enrolled online for all your bank transactions (bills, balance inquiry, etc). </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Qualitative Benefits:</div><ul style="font-family: Verdana,sans-serif; margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;">It will save you ENERGY from frequent trips in banks and payment centers.</li>
<li class="MsoNormal" style="text-align: justify;">It will save you TIME for not having to wait in line! Imagine the long lines in payment centers.</li>
</ul><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Quantitative Benefits:</div><ul style="font-family: Verdana,sans-serif; margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;">You don’t have to pay for parking fees. Savings of Php 720.00 per year. Computation @ P30.00 per month, twice monthly.</li>
<li class="MsoNormal" style="text-align: justify;">You’ll save on gas or tanspo fares if you commute. Savings of Php 1,440.00 per year. Computation @ 60 per liter (average only, to and from destination).</li>
<li class="MsoNormal" style="text-align: justify;">No transaction fees on balance inquiry and account transfers. Savings of Php 1,200.00 per year. </li>
</ul><div style="font-family: Verdana,sans-serif;">Here are some of the websites I personally use:</div><div style="font-family: Verdana,sans-serif;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: center;"><a href="http://www.bpiexpressonline.com/">BPI</a> </div><div style="font-family: Verdana,sans-serif; text-align: center;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: center;"><a href="https://www.mybdo.com.ph/rib/fo_rib_login.jsp">BDO</a></div><div style="font-family: Verdana,sans-serif; text-align: center;"><a href="http://www.blogger.com/goog_729853784"><br />
</a></div><div style="font-family: Verdana,sans-serif; text-align: center;"><a href="http://www.bancnetonline.com/BancnetWeb/goToMainPage.do">BANCNETONLINE</a></div><div style="font-family: Verdana,sans-serif;"><br />
</div><div style="font-family: Verdana,sans-serif;"><br />
</div><div style="font-family: Verdana,sans-serif;"><br />
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</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-6204159786275547232011-01-06T16:37:00.002+08:002011-01-06T16:41:26.593+08:00Pia’s Practical Tips On Saving Money - Intro<div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">This title will have multiple entries wherein I’ll share some of my practical money-saving tips.</span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">They will come in brief, short sentences - not the usual long paragraphs you often see here in my blog.</span></div><div class="MsoNormal" style="text-align: justify;"><br />
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</div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: Verdana;"> </span><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXcUngfyiuhr_2V4OisY-KmnnOTvdtcgZPi0wZ1OEMhrihDXei47KVZGld-iR4Xl9dzzMlWk1gWlKotIlqAozDQ16-4wanpDFi9nVhlKX2nPH1pihaBk6OcRKtMpZhyphenhyphenj9yc1YrSRQRlPTT/s1600/images.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXcUngfyiuhr_2V4OisY-KmnnOTvdtcgZPi0wZ1OEMhrihDXei47KVZGld-iR4Xl9dzzMlWk1gWlKotIlqAozDQ16-4wanpDFi9nVhlKX2nPH1pihaBk6OcRKtMpZhyphenhyphenj9yc1YrSRQRlPTT/s400/images.jpg" width="400" /></a></div><div style="text-align: center;"><span style="font-size: small;"><a href="http://car-insurance.onlineautoinsurance.com/auto-insurance/twelve-ways-to-save-money-on-your-auto-insurance/" style="font-family: Verdana,sans-serif;">image source</a></span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-40143190710099446662011-01-06T12:47:00.001+08:002011-01-06T12:49:10.326+08:00Starting: The Great Separator By John C. Maxwell Philippine Daily Inquirer<div style="font-family: Verdana,sans-serif; text-align: justify;">I recently read this article from Inquirer's website and I'm re-posting it here in my blog. This is a great message for all of us and may this article motivate us TO ACT NOW!<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmkSgOczS3AJ0KXnmtG1dmd4a-so-UPBEggBGZCoAaeTtNFQoA6pYemxRUWnf9S95PyrH1pXL3yoyZdqSyj423cNBHw0iyJ_i2dYWKr4mD0tXfdn_48ESJ3zXPjacvXJWKLnj63XU-XVZG/s1600/nikejustdoit.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="276" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmkSgOczS3AJ0KXnmtG1dmd4a-so-UPBEggBGZCoAaeTtNFQoA6pYemxRUWnf9S95PyrH1pXL3yoyZdqSyj423cNBHw0iyJ_i2dYWKr4mD0tXfdn_48ESJ3zXPjacvXJWKLnj63XU-XVZG/s400/nikejustdoit.png" width="400" /></a></div><div style="text-align: center;"><a href="http://www.google.com/imgres?imgurl=http://2qsolutions.files.wordpress.com/2009/12/nikejustdoit.png&imgrefurl=http://2qsolutions.wordpress.com/&usg=__T0cTHuD0_1nn5xTUFamCshdMnMQ=&h=374&w=541&sz=38&hl=en&start=0&sig2=dbdrSe46nDReoq8a7dgXQw&zoom=1&tbnid=ckGv7RlJs7h2XM:&tbnh=119&tbnw=172&ei=1EglTab0NojIrQfWuem_Cw&prev=/images%3Fq%3Dnike%2Bjust%2Bdo%2Bit%2Blogo%26um%3D1%26hl%3Den%26sa%3DG%26biw%3D1280%26bih%3D580%26tbs%3Disch:1&um=1&itbs=1&iact=hc&vpx=314&vpy=114&dur=2129&hovh=187&hovw=270&tx=124&ty=97&oei=1EglTab0NojIrQfWuem_Cw&esq=1&page=1&ndsp=19&ved=1t:429,r:1,s:0">Nike's logo says it all. View image source</a></div></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
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To view this article, <a href="http://business.inquirer.net/money/columns/view/20110101-312045/Starting-The-Great-Separator">CLICK LINK</a>.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">Do you want to be a success? As you know, many obstacles can keep even a highly motivated person from succeeding. But today I want to talk about the ONLY obstacle that will ALWAYS keep us from success: Not starting.</div><div style="font-family: Verdana,sans-serif;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">Starting is the Great Separator. It separates…</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">The doers from the do-nots,<br />
The haves from the have-nots,<br />
The winners from the whiners, and<br />
The successful from the unsuccessful. </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">If a desire were enough, then everyone would be a success. But success is like a book, and starting and finishing are the front and back covers. Until you open that front cover, you can’t experience anything from the pages within.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><b>So how do you get started? </b></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">1. Start with Yourself.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">If you’ve ever flown on an airplane, you’ve heard the pre-flight instructions about the oxygen masks—which drop down from the ceiling in the case of emergency. If you’re traveling with someone who would need help, who do they always tell you to place the mask on first? Yourself! They want to remind you that you can’t help anyone else get oxygen if you aren’t able to breathe.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;">Starting with yourself is not a selfish goal—as long as you’re not doing it for your benefit alone. By putting on my oxygen mask, I get the oxygen I need in order to help others get oxygen. As a leader, I obtain what I need in order to help others succeed.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">2. Start Early.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">I can’t overstate how much you gain from starting early. It’s something you can’t really understand or grasp when you’re young. One creature that understands this principle is the ant. Consider what the Bible says in Proverbs:</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">“Go to the ant, you sluggard;<br />
Consider its ways and be wise!<br />
It has no commander,<br />
No overseer or ruler,<br />
Yet it stores its provisions in summer<br />
And gathers its food at the harvest.”</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;">-Proverbs 6:6-8</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">The activity of any individual ant seems to have little impact. After all, it can only carry one seed or leaf or grain of sand. And it’s not clear what any single grain has to do with the big picture of what is being formed. But regardless of how it looks from the outside, the impact is happening, and something is developing.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">Whether you are trying to lose weight, build a business, build a marriage, raise a child, overcome a pattern, resolve a depression, or build a business, it is done the same way: one brick at a time. And the earlier you begin, the more bricks (or grains of sand) you can accumulate.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">3. Start Small.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">Most of us would love to see the entire path from where we are to the top. But life doesn’t work that way. Like a person carrying a lantern, most of us only see the small portion of the path ahead. Our best response is to just take the next step.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">Why start small? It encourages you to get started and allows you to prioritize and concentrate. It also provides the necessary step to take the next step.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;">Like the person carrying the lantern, your path will only be illuminated a short distance ahead. We’ve all walked home in the dark. The lantern we carry may not illuminate the house, but it does show us the path that will take us there.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">4. Start with The End in View.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">John Wooden, an American basketball coach, was known for his focus on preparation. Every practice kept the goal—the next game—in view. Why? Because, as he said, “It’s too late to prepare when opportunity arrives.”</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;">First, pursue your passion. A passion, a goal that you feel strongly about, gives you energy. Next, let planning give you direction.</div><div style="font-family: Verdana,sans-serif; text-align: justify;">The beginning of the journey is the place to study the map. You may not always know the entire route, but your planning should always point in the direction of your destination.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">5. Start now.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">It’s too easy to say, “I’ll start tomorrow.” We promise that tomorrow, we will start a diet, studies, a career, or a relationship. But until we actually begin, a dream remains a dream.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">It may be a cliché to say that every journey begins with the first step, yet it is still true. Successful people don’t wait for everything to be perfect to move forward. They don’t wait for all the problems or obstacles to disappear.</div><div style="font-family: Verdana,sans-serif; text-align: justify;">They don’t wait until their fear subsides. They take initiative. They know a secret that good leaders understand: momentum is their friend. As soon as they take that first step and start moving forward, things become a little easier.</div><div style="font-family: Verdana,sans-serif; text-align: justify;">If the momentum gets strong enough, many of the problems take care of themselves and talent can take over. But it starts only after you’ve taken those first steps.</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">START the year right by raising your leadership skills! Attend the Developing The Leader Within You workshop with Maxwell-Certified facilitator Francis Kong on Jan. 20-21, 2011 at the Edsa Shangri-La Hotel. Call Inspire Leadership Consultancy at 687-2614/706-4853. Special rates available for early bird registrants and academe/non-profit organizations!</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-67018131925516461342011-01-04T17:32:00.002+08:002011-01-04T17:33:02.704+08:00Colayco Foundation Seminars For January - March 2011<div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><span style="color: black;"><b><br />
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</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinNxFWj9D5eUyDv9CwRTdH6zQOzTJWj-m52I8meTw9wX7_5XD6DItH1C1HJ02pFOCZCNbsrD6kTdHeZteGyvVLGWHjmqtAkzRSd-5xaJB_hNfBGeyhCd2bmcE-A8mmV366P-ozbiAl-xIh/s1600/logo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="77" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinNxFWj9D5eUyDv9CwRTdH6zQOzTJWj-m52I8meTw9wX7_5XD6DItH1C1HJ02pFOCZCNbsrD6kTdHeZteGyvVLGWHjmqtAkzRSd-5xaJB_hNfBGeyhCd2bmcE-A8mmV366P-ozbiAl-xIh/s400/logo.jpg" width="400" /></a></div><div style="font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><span style="color: black;"><b><a href="http://www.colaycofoundation1.com/" style="font-weight: normal;">image source</a></b></span></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><span style="color: black;"><b><br />
</b></span></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><span style="color: black;"><b>Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot! Payments may be made in advance. </b> </span></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here</a></span></span></div><div style="font-family: Verdana,sans-serif;"></div><table border="1" cellpadding="10" cellspacing="4" style="font-family: Verdana,sans-serif; margin-left: 0px; margin-right: 0px; text-align: left;"><tbody>
<tr> <td colspan="2" style="text-align: center;" valign="top" width="484"><div style="text-align: center;"></div><h2 style="text-align: center;"><span style="font-size: small;"><span style="color: black;"><b>PISObilities: Wealth Within Your Reach</b></span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Saturday-January 29, 2011, 2:00-5:00pm</span> <span style="color: black;"> </span><span style="color: black;">Location & Venue : Pasig City, TBA<i> </i></span><br />
<span style="color: black;"><i>Regular Learning Fee: Php1000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who:</b> Ideal for individuals who would like to take control of their finances. Because money management is a family affair, the seminar is also ideal for couples.<b> </b><b> </b><b> </b></span><span style="color: black;"><b> </b></span> <span style="color: black;"><b>Why:</b> This seminar will equip you with the basics of proper money management – spending, savings, planning and investing. It will help you make sense of their financial goals in life and introduce instruments, which will help you achieve it.</span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><div style="text-align: center;"></div><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">Protecting </span><span style="font-size: small;">Your </span><span style="font-size: small;">Greatest </span><span style="font-size: small;">Asset: </span><span style="font-size: small;">YOU</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Tuesday-February 1, 2011, 6:30-9:00pm</span><span style="color: black;"> </span> <span style="color: black;">Location & Venue : Pasig City, TBA<i> </i></span><br />
<span style="color: black;"><i>Regular Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who: </b>Ideal for individuals seeking to understand insurance products better. If you do not have insurance, this seminar will help you identify what financial protection is important for you. If you have insurance already, this seminar will help you identify whether you are adequately protected or if you are over insured. This seminar will equip attendees with the next steps in being financially protected.</span><span style="color: black;"><b> </b></span> <span style="color: black;"><b>Why: </b>Insurance is for financial protection. It is not an investment. Most people however purchase more insurance than necessary or purchase the wrong type of insurance<span style="font-size: small;">.</span></span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">INVESTability: </span><span style="font-size: small;">The </span><span style="font-size: small;">Stock </span><span style="font-size: small;">Market</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Thursday-Feb. 3, 2011, 9:30am-12:00nn</span> <span style="color: black;"> </span><span style="color: black;">Location & Venue : Makati City, TBA</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who: </b>Ideal for individuals who would like to understand the basics of the stock market. Individuals who are considering investing in stocks or those who have some stocks but are not really knowledgeable on the stock market.</span> <span style="color: black;"> </span><span style="color: black;"><b>Why: </b>This seminar will equip you with the information and strategies needed to invest in stocks prudently. Learn what a stock is and how does it work, how do you grow your money through stocks. Discover the challenges of stock investing and what it means to be a serious stock investor and how to be a conservative stock investor taking advantage of diversifying your portfolio through stock ownership.</span><br />
<span style="color: black;"><i>Note: This seminar will NOT teach you to become a stock trader. Investing is about long term wealth generation<span style="font-size: small;">.</span></i></span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">Pisobilities: </span><span style="font-size: small;">Wealth </span><span style="font-size: small;">Within </span><span style="font-size: small;">Your </span><span style="font-size: small;">Reach</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Saturday-Feb. 5, 2011, 2:00-5:00pm</span> <span style="color: black;"> </span><span style="color: black;">Location & Venue : Chowking, One Mango, Cebu City</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who:</b> Ideal for individuals who would like to take control of their finances. Because money management is a family affair, the seminar is also ideal for couples.<b> </b></span> <span style="color: black;"><b> </b><b> </b><b> </b></span><span style="color: black;"><b>Why:</b> This seminar will equip you with the basics of proper money management – spending, savings, planning and investing. It will help you make sense of their financial goals in life and introduce instruments, which will help you achieve it.</span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><b><span style="font-size: small;">INVESTability: </span><span style="font-size: small;">Mutual </span><span style="font-size: small;">Funds</span></b></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Tuesday-Feb. 8, 2011, 6:30-9:00pm</span><span style="color: black;"> </span> <span style="color: black;">Location & Venue : Pasig City, TBA<br />
</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who:</b> Ideal for those who are considering investing in mutual funds and would like an unbiased view of the pros and cons of investing in mutual funds in lay-mans terms.<b> </b></span><span style="color: black;"><b> </b></span> <span style="color: black;"><b>Why:</b> Mutual Funds are considered the greatest democratizer of investment instruments. You can start investing for Php5000. But since it is not common knowledge, many people are skeptical.</span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">InvestED: </span><span style="font-size: small;">Analyzing </span><span style="font-size: small;">Stocks</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Thursday-Feb. 10, 2011, 9:30am-12:00nn</span> <span style="color: black;"> </span><span style="color: black;">Location & Venue : Makati City, TBA</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php3000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who: </b>Ideal for individuals who have basic knowledge and/or experience in stock investing. <i>Note: familiarity with investing concepts, the stock market and some stock investing terms will be an advantage.</i></span> <span style="color: black;"><i> </i></span><span style="color: black;"><b>Why:</b> Learn how to spot stock trends and the like using information readily available to the average investor. This seminar will equip you with the knowledge to make better stock investing decisions. This seminar is about ‘fundamental analysis’ techniques.</span><br />
<span style="color: black;"><i>Note: Technical Analysis will not be discussed in this seminar.</i></span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">INVESTability: </span><span style="font-size: small;">Fixed </span><span style="font-size: small;">Income </span><span style="font-size: small;">Instruments</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Thursday-Feb. 17, 2011, 6:30-9:00pm</span><span style="color: black;"> </span> <span style="color: black;">Location & Venue : Pasig City, TBA</span><br />
<span style="color: black;"><i>Regular</i><i>Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who: </b>Ideal for individuals who are considering investing in debt securities (i.e. government securities, corporate papers etc.) or those who would like to know more about available investment options. This is also ideal for those preparing their investments for retirement.</span><span style="color: black;"><b> </b></span> <span style="color: black;"><b>Why: </b>Fixed income instruments is all about ‘lending investments’ such as government securities, corporate papers, bank products etc. These can give you fixed regular investment income. Fixed income instruments also play a big role in managing risk and portfolio diversification<span style="font-size: small;">.</span></span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">Be </span><span style="font-size: small;">GOOD: </span><span style="font-size: small;">Grow </span><span style="font-size: small;">Out </span><span style="font-size: small;">Of </span><span style="font-size: small;">Debt</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Saturday-Feb. 19, 2011, 9:30am-12:00nn</span><span style="color: black;"> </span> <span style="color: black;">Location & Venue : Pasig City, TBA</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who:</b> Ideal for individuals who are serious about taking control of their personal debt. Ideal for people who would like to manage their debt obligations better. Examples of debt obligations: credit cards, housing loan, car loan, business loan and other informal loans.</span><span style="color: black;"><b> </b></span> <span style="color: black;"><b>Why: </b>Credit is one of the most utilized financial service. Unfortunately, many are unable to use credit wisely and find themselves with unmanageable debt. This seminar will change your mindset about credit and will equip you with the steps you need to take to start growing out of debt.<br />
</span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">Pera </span><span style="font-size: small;">Mo </span><span style="font-size: small;">Palaguin </span><span style="font-size: small;">Mo </span><span style="font-size: small;">Workshop</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Saturday-March 12, 2011, 1:00-5:00pm</span> <span style="color: black;"> </span><span style="color: black;">Location & Venue : Pasig City, TBA</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php3000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who:</b> Ideal for those who are serious about taking control of their personal lives by preparing their own financial plan to be wealthy.<b> </b></span><span style="color: black;"><b> </b></span> <span style="color: black;"><b>Why:</b> This workshop will equip you with the the skills to make your own Financial Plan to be Wealthy. It will also equip you with the right Investing Mindset. Armed with these, you will be on your way to financial independence.</span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">INVESTability: </span><span style="font-size: small;">The </span><span style="font-size: small;">Stock </span><span style="font-size: small;">Market</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Tuesday-March 22, 2011, 9:30am-12:00nn</span> <span style="color: black;">Location & Venue : Makati City, TBA</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Onlie</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who: </b>Ideal for individuals who would like to understand the basics of the stock market. Individuals who are considering investing in stocks or those who have some stocks but are not really knowledgeable on the stock market.</span><span style="color: black;"><b> </b></span> <span style="color: black;"><b>Why: </b>This seminar will equip you with the information and strategies needed to invest in stocks prudently. Learn what a stock is and how does it work, how do you grow your money through stocks. Discover the challenges of stock investing and what it means to be a serious stock investor and how to be a conservative stock investor taking advantage of diversifying your portfolio through stock ownership.</span><br />
<span style="color: black;"><i>Note: This seminar will NOT teach you to become a stock trader. Investing is about long term wealth generation.</i></span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">Protecting </span><span style="font-size: small;">Your </span><span style="font-size: small;">Greatest </span><span style="font-size: small;">Asset: </span><span style="font-size: small;">YOU</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Thursday-March 24, 2011, 6:30-9:00pm</span> <span style="color: black;">Location & Venue : Pasig City, TBA</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who: </b>Ideal for individuals seeking to understand insurance products better. If you do not have insurance, this seminar will help you identify what financial protection is important for you. If you have insurance already, this seminar will help you identify whether you are adequately protected or if you are over insured. This seminar will equip attendees with the next steps in being financially protected.</span><span style="color: black;"><b> </b></span> <span style="color: black;"><b>Why: </b>Insurance is for financial protection. It is not an investment. Most people however purchase more insurance than necessary or purchase the wrong type of insurance.</span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><b><span style="font-size: small;">INVESTability: </span><span style="font-size: small;">Mutual</span><span style="font-size: small;">Funds</span></b></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Tuesday-March 29, 2011, 6:30-9:00pm</span> <span style="color: black;">Location & Venue : Pasig City, TBA</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php2000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who:</b> Ideal for those who are considering investing in mutual funds and would like an unbiased view of the pros and cons of investing in mutual funds in lay-mans terms.<b> </b></span> <span style="color: black;"><b> </b></span><span style="color: black;"><b>Why:</b> Mutual Funds are considered the greatest democratizer of investment instruments. You can start investing for Php5000. But since it is not common knowledge, many people are skeptical.</span></td> </tr>
<tr> <td colspan="2" valign="top" width="484"><h2 style="text-align: center;"><span style="color: black;"><span style="font-size: small;">InvestED: </span><span style="font-size: small;">Analyzing </span><span style="font-size: small;">Stocks</span></span></h2></td> </tr>
<tr> <td valign="top" width="239"><span style="color: black;">Date & Time : Thursday-March 31, 2011, 9:30-12:00nn</span> <span style="color: black;">Location & Venue : Makati City, TBA</span><br />
<span style="color: black;"><i>Regular Learning Fee: Php3000</i></span><br />
<span style="color: black;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ"><b> </b></a><b><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></b></span><br />
<span style="color: black;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="color: black;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td valign="top" width="240"><span style="color: black;"><b>Who: </b>Ideal for individuals who have basic knowledge and/or experience in stock investing. <i>Note: familiarity with investing concepts, the stock market and some stock investing terms will be an advantage.</i></span> <span style="color: black;"><i> </i></span><span style="color: black;"><b>Why:</b> Learn how to spot stock trends and the like using information readily available to the average investor. This seminar will equip you with the knowledge to make better stock investing decisions. This seminar is about ‘fundamental analysis’ techniques.</span><br />
<span style="color: black;"><i>Note: Technical Analysis will not be discussed in this seminar.</i></span></td> </tr>
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</i></span><i>*Schedules and venues are subject to change without prior notice. </i><i>Colayco Foundation reserves the right to cancel an event at its discretion.</i><i> Those who have pre-registered will be contacted should any changes be effected.</i><span style="color: black;"><b><br />
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<div class="widget"><h3><canvas height="26" style="height: 26px; left: -3px; top: -1px; width: 63px;" width="63"></canvas></h3></div></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com1tag:blogger.com,1999:blog-693532190727118945.post-67365078513475529982011-01-04T17:17:00.000+08:002011-01-04T17:17:59.489+08:00Link To Mutual Fund Report On NAV and Returns<div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Here is a link to a MUTUAL FUND Report. <a href="http://business.inquirer.net/mutualfund/mutualfund.pdf">Click LINK</a>. This report will provide you:</span></div><ul style="font-family: Verdana,sans-serif; text-align: justify;"><li><span style="font-size: small;">Net Asset Value (NAV)</span></li>
<li><span style="font-size: small;">Historical Returns per Mutual Fund for 1-year, 3-year, 5-year and YTD returns</span></li>
</ul><div style="text-align: justify;"><span style="font-size: small;"><span style="font-family: Verdana,sans-serif;">This link is as of January 3, 2011. But it is updated daily so do visit Inquirer's website at <a href="http://business.inquirer.net/">http://business.inquirer.net/</a> to get updates.</span></span></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-family: Verdana,sans-serif;">Investor knowledge is key. It is one of the best ways to minimize risks.</span></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-84811664694668819372011-01-03T22:15:00.000+08:002011-01-03T22:15:01.733+08:00One Less Credit Card For 2011<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdUfR0g63szpLfNd-hlbqUNnkspl2JpUVDldccKwJ7xWDEcHHNnCCVi9lHMXZIk7pQN8RFkmLEzadIrK3QwRti46M5bbYJG7waApQ0KwPfo08ZqpphyaLS9rx0e7j6icMQ-sMHVRo2OSRE/s1600/Picture+006.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdUfR0g63szpLfNd-hlbqUNnkspl2JpUVDldccKwJ7xWDEcHHNnCCVi9lHMXZIk7pQN8RFkmLEzadIrK3QwRti46M5bbYJG7waApQ0KwPfo08ZqpphyaLS9rx0e7j6icMQ-sMHVRo2OSRE/s400/Picture+006.jpg" width="400" /></a></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Since this is the new year, one of my resolutions was to cut my third credit card.</span><span style="font-size: small;"> Yup, I used to have three credit cards.</span><span style="font-size: small;"> In fact I had a fourth one but I already stopped using it a long time ago.</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">I decided to cut my third one because, like you, I want to grow financially.</span><span style="font-size: small;"> My other two cards are already practical to use so having a third one became a liability more than anything else.</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">So this lead me to think about credit cards and how useful (or not?) they are in my life.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
<span style="font-size: small;">I got my very first credit card during my first year of</span><span style="font-size: small;"> work and like many first time users, I was buried with debt after some time. I wasn’t able to control my spending. I wasn’t able to pay my monthly dues even the minimum amount so the interest incurred on the principal amount increased exponentially!</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The original balance was only P20,000.00 (USD445) but it doubled in a matter of months!</span><span style="font-size: small;"> So I had no choice but to pay for it.</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">It was a very difficult phase because I was only earning enough that time.</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Looking back, I made the right decision to talk to my creditors and sought their easy, pay-out scheme.</span><span style="font-size: small;"> It wasn’t easy at all but I was able to pay everything in full after some time.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">From then on, I stopped using credit card a</span><span style="font-size: small;">nd paid everything in cash.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">I liked that “cash only” phase in my life because I can detect my cash flow. When my cash flow is getting slim,</span><span style="font-size: small;"> I forced myself to stop from spending and wait for cash to come in.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">But having to pay everything in cash has its disadvantages for me.</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">One disadvantage was security.</span><span style="font-size: small;"> Having to carry a huge amount whenever I need to pay for bills most specially insurance dues makes my security at risk. Thank God nothing untoward happened to me.</span><span style="font-size: small;"> The worst experience was when our helper ran away with my money when I asked her to pay for bills.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">After that, I applied again for my second credit card but I was still financially immature and I was buried again with debt. </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Being buried in debt for the second time at a young age is no laughing matter. History has a way of repeating itself as they say. Same is true in my case.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">But I never allowed myself to focus on my “debt” problem and instead think of solutions.</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">From then on, I was determined to become financially mature with credit cards. After paying my second mountain of credit card debt with my bonuses and 13<sup>th</sup></span> month, I finally succeeded.</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Falling down for the second time lead me to the determination to control</span><span style="font-size: small;"> my credit card usage.</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Right now, I pay all my credit card bills in full because I realized that although credit cards are convenient to use, they charge us enormous fees if we don’t pay our dues in full.</span><span style="font-size: small;"> Even if we pay the minimum amount,</span><span style="font-size: small;"> the same enormous fees still apply. </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Imagine this, monthly charges are 3.5% as finance charge and at least 3% as late charge.</span><span style="font-size: small;"> Charges depend on the credit card company. They charge us those interests MONTHLY.</span><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Annual charges could reach as high as 30%.</span><span style="font-size: small;"> 30% interest rate per annum!</span><span style="font-size: small;"> Savings account in banks </span><span style="font-size: small;"> only offer 1% interest rate per annum less tax.</span><span style="font-size: small;"> So do the math.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
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</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEif4rLpxstMdvX1o5iCLVfkIV8De1bMEOIafFnmCc2cfPkW3_kiFobkfmdG_RxCvTtmDE2awzJHafM4KtPW9EYkl6pDRL86aNAGajUJ_RQsL1sl-ExBhNuG228ke3AO9qXeincIEibKIUP1/s1600/031710.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEif4rLpxstMdvX1o5iCLVfkIV8De1bMEOIafFnmCc2cfPkW3_kiFobkfmdG_RxCvTtmDE2awzJHafM4KtPW9EYkl6pDRL86aNAGajUJ_RQsL1sl-ExBhNuG228ke3AO9qXeincIEibKIUP1/s400/031710.jpg" width="400" /></a></span></div><div style="text-align: center;"><span style="font-size: small;"><a href="http://www.fivecentnickel.com/2010/03/17/banks-with-consistently-high-interest-rates/">image source</a></span></div><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Over the past 5 years, I have accumulated four credit cards with good credit standing but for 2011, I want to stick to two. </span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The third one became a liability in a sense that it adds to my list of billing due dates.</span><span style="font-size: small;"> I seldom use it so might as well stop using it.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">I want to eliminate clutter in my life and this is just one of the ways.</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">P.S.</span><span style="font-size: small;"> What lessons have you learned from your credit card horror stories?</span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
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</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-2828090243959009072011-01-03T21:57:00.000+08:002011-01-03T21:57:50.865+08:00Happy New Year Everyone!<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTc6-gBMu8s1_NI6qOA9pt_6F-8pH7f0cZDH3oRGBDSa_V3Evmj-Oa5w5C2DMUufD4vbYz3cGIGrtRV4hgSiKZ82I07jGjyNE3Ni_qlcXeo3BbFc4RFoS5bvabKXm7FwpWVpywM7WwW0V8/s1600/162804_1503100659300_1287720831_31079843_929325_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTc6-gBMu8s1_NI6qOA9pt_6F-8pH7f0cZDH3oRGBDSa_V3Evmj-Oa5w5C2DMUufD4vbYz3cGIGrtRV4hgSiKZ82I07jGjyNE3Ni_qlcXeo3BbFc4RFoS5bvabKXm7FwpWVpywM7WwW0V8/s400/162804_1503100659300_1287720831_31079843_929325_n.jpg" width="400" /></a></div><br />
<div style="font-family: Verdana,sans-serif; text-align: justify;">The new year gives us a fresh start so we come up with new year resolutions. Some of the popular resolutions we often make are going to the gym to lose weight, stop smoking, save more, spend less……</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">So whatever you intend to accomplish this 2011, I salute you for coming up with your own resolutions. The desire to actually accomplish them is already an achievement. </div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">Cheers to 2011! Let the race begin…</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><blockquote><span style="font-size: small;"><span style="font-family: Verdana,sans-serif;">Do you not know that the runners in the stadium all run in the race, but only one wins the prize? Run so as to win.</span></span> </blockquote><blockquote><span style="font-size: small;"><span style="font-family: Verdana,sans-serif;">1 Corinthians 9:24</span></span></blockquote></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-38077191400508026492010-12-23T16:57:00.002+08:002010-12-24T13:35:54.551+08:00A New Look For Philippine Money<div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Bangko Sentral ng Pilipinas (BSP) released a new set of bank notes with President Aquino's signature. The six denominations include P20, P50, P100, P200, P500 and P1,000 bills.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><img border="0" height="261" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLP5B_Gs6EoC0zoEL2iwNLZZCz3Vove28mZAqWxL1tufRxyageEmUt1QSU7adGiwpLxyH6Q_OLc_qzroa_YIsByoYVUoafQYLiHW3Zfe5nt99HE1qQ_Eq_HLJZOdvUYQF6oiiZWnXR82Ky/s400/pnoy_bsp_3-400x262.jpg" width="400" /></div><div style="text-align: center;"><a href="http://balita.ph/2010/11/26/president-aquino-shows-a-complete-set-of-banknotes-bearing-his-signature/" style="font-family: Verdana,sans-serif;">image source</a></div><div style="text-align: center;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Here are some features of the new bank notes. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Source: <a href="http://www.bsp.gov.ph/publications/media.asp?id=2471">BSP website</a></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
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</span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRKKm4ijrX1rCNCPcEXq1TJinE41hCidHAb4p9Yh0HRVC5D7uQFT2fSWN-fBWYWYdazPsXihVLHONE38GSzXh0Ic7E0DnJEjRD4JtWoBHhRekQN9m4yro0IVxzCvh56Q7xzQX03jAi0tgm/s1600/20-obverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="166" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRKKm4ijrX1rCNCPcEXq1TJinE41hCidHAb4p9Yh0HRVC5D7uQFT2fSWN-fBWYWYdazPsXihVLHONE38GSzXh0Ic7E0DnJEjRD4JtWoBHhRekQN9m4yro0IVxzCvh56Q7xzQX03jAi0tgm/s400/20-obverse.JPG" width="400" /></a></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The Php 20 bill contains the image of President Manuel L. Quezon.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMtnM9Ul2ifpPlt7qXJaIPit9Ppbxq8uCI3YVM6XpP6bYGN0sYFsqu-xbpNZv1w6kpuu1QvbPGxIMvrn6FFG0KlkSFqCgVXv9N2NUdU_CC86dvk7ZBRC88ctgi5FuuCrSIvpOz6u-Nnigs/s1600/20-reverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="166" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMtnM9Ul2ifpPlt7qXJaIPit9Ppbxq8uCI3YVM6XpP6bYGN0sYFsqu-xbpNZv1w6kpuu1QvbPGxIMvrn6FFG0KlkSFqCgVXv9N2NUdU_CC86dvk7ZBRC88ctgi5FuuCrSIvpOz6u-Nnigs/s400/20-reverse.JPG" width="400" /></a></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The back has an image of Banaue Rice Terraces, a World Heritage Site by the United Nations. A palm civet is also featured that lives in the Cordilleras and famous for producing Coffee Alamid.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQkrbouqaWbzQ_MybDDenMNQ9GMEbmgSroqvNyGlIcRaq5xFtlt67c4iK4E7xn_g50gsUnNmlEwWWu6L5Lw7559nQR11qdYVO6uzKcD2FZib0J6hy-MUuRpwGeiFe8VhVlW3eVp_hDjZdC/s1600/50-obverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="171" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQkrbouqaWbzQ_MybDDenMNQ9GMEbmgSroqvNyGlIcRaq5xFtlt67c4iK4E7xn_g50gsUnNmlEwWWu6L5Lw7559nQR11qdYVO6uzKcD2FZib0J6hy-MUuRpwGeiFe8VhVlW3eVp_hDjZdC/s400/50-obverse.JPG" width="400" /></a></span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Sergio Osmena is the President featured in the new Php50 bill. </span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><br />
</span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6RNzVXQWGAj03r0FNEd3QETdlq009UEskqWR6BdonP1u7NW0Vest7ULOBjUUk32wjY2p5R-Gb9XC9e4rPJAFRtt8OCcKNgM1jaPgK_mDAhFJjtmOTXrVgypW244KJl472Gch-Vrk4iAe0/s1600/50-reverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="171" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6RNzVXQWGAj03r0FNEd3QETdlq009UEskqWR6BdonP1u7NW0Vest7ULOBjUUk32wjY2p5R-Gb9XC9e4rPJAFRtt8OCcKNgM1jaPgK_mDAhFJjtmOTXrVgypW244KJl472Gch-Vrk4iAe0/s400/50-reverse.JPG" width="400" /></a></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">It features the Taal lake in Batangas and the Giant Trevalli, locally know as Maliputo.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkatRJim1jSo-ikM7FV3CabrfpkaH179ukHY-xdql3q8Z4oOsoNzDTNyTM2zrqbt5IcPnhTw3CC6bcBRnx_BdJbT89VQ0TB7RU0GV70KK_vinaUSH9eZUHQJEYpTPo4ko7KphGAgZguIPN/s1600/100-obverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="171" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkatRJim1jSo-ikM7FV3CabrfpkaH179ukHY-xdql3q8Z4oOsoNzDTNyTM2zrqbt5IcPnhTw3CC6bcBRnx_BdJbT89VQ0TB7RU0GV70KK_vinaUSH9eZUHQJEYpTPo4ko7KphGAgZguIPN/s400/100-obverse.JPG" width="400" /></a></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">President Manuel Roxas is still the face of the new Php 100 bill.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div style="font-family: Verdana,sans-serif; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXIobetwJfet8pvJz9J9glc9wFGKVmVQIW9ANzy9ZqWOwqW9utv1NiMhUyjLkuQwxJ-520CVQs3pZSrQF0xtXPt7FHwltjGciPYwdVSa3XL_4oZSidkqny7DkeHi85ZorhKb-fIC-gwYme/s1600/100-reverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="173" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXIobetwJfet8pvJz9J9glc9wFGKVmVQIW9ANzy9ZqWOwqW9utv1NiMhUyjLkuQwxJ-520CVQs3pZSrQF0xtXPt7FHwltjGciPYwdVSa3XL_4oZSidkqny7DkeHi85ZorhKb-fIC-gwYme/s400/100-reverse.JPG" width="400" /></a><span style="font-size: small;"> </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Mayon Volcano in Albay is seen at the back with a "butanding" or whale shark.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsmjvHwo2-k7BtWmnap5VgFB0ALnoVrhBWvooUtl5qFcFeuQM3DdfPEN70f4f2oeHSZOk4AoFgeWAqV0cUfYhlCBes6LwIfmbJdSu4OIZJcIjSlDI5Y6VvXYy6MDXIG7Q4LqOcyRoGhlVC/s1600/200-obverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="171" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsmjvHwo2-k7BtWmnap5VgFB0ALnoVrhBWvooUtl5qFcFeuQM3DdfPEN70f4f2oeHSZOk4AoFgeWAqV0cUfYhlCBes6LwIfmbJdSu4OIZJcIjSlDI5Y6VvXYy6MDXIG7Q4LqOcyRoGhlVC/s400/200-obverse.JPG" width="400" /></a><span style="font-size: small;"> </span></div><div style="text-align: justify;"><span style="font-size: small;"><span style="font-family: Verdana,sans-serif;">President Diosdado Macapagal is the face of the new Php200 bill</span>.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgePeAlQhX9CZwDOEUlzmwTfTEDyINW6E_ujZmXFme7pXtbwVAKOXB-sFw1MCr6-0PUeEAbzPAZ-75tEm-w-DLG0j3rRy-mH5CF_V322BTHdgXSKzTXbz65t8p3_xT1yTb7TzYOHluYb2RJ/s1600/200-reverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="171" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgePeAlQhX9CZwDOEUlzmwTfTEDyINW6E_ujZmXFme7pXtbwVAKOXB-sFw1MCr6-0PUeEAbzPAZ-75tEm-w-DLG0j3rRy-mH5CF_V322BTHdgXSKzTXbz65t8p3_xT1yTb7TzYOHluYb2RJ/s400/200-reverse.JPG" width="400" /></a></span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Chocolate hills in Bohol and the Philippine tarsier are seen at the back.</span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><br />
</div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAy5QoWhzj-pzBZ9J3PiBmDMdg2FbMeRgQBM-RtiAypfF2y-Dh4YrxRzAWdFIlBN7RAzGNEC3RfXxiS-SpSKFWUCYYzFCSdPzsi7oAasze43zEQAUOhkK_S6nd7C22tJ12uZiyyohhOhDi/s1600/500-obverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="171" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAy5QoWhzj-pzBZ9J3PiBmDMdg2FbMeRgQBM-RtiAypfF2y-Dh4YrxRzAWdFIlBN7RAzGNEC3RfXxiS-SpSKFWUCYYzFCSdPzsi7oAasze43zEQAUOhkK_S6nd7C22tJ12uZiyyohhOhDi/s400/500-obverse.JPG" width="400" /></a></span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The Php 500 bill has the images of President Corazon Aquino and Senator Benigno Aquino Jr. </span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><br />
</span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6-3AXC-rDBhbparA3KKVDBINOWHo6GHKt6IBsC68cTvsniOcJtxVv00oQtvJyG4co6td1AYO7ycAIiWvFdo4rdypS60wl3TR4fKeyJBkiHPv69_87nNEY81ZQ0WBxjU_8qGsVaE6XkhEm/s1600/500-reverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="170" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6-3AXC-rDBhbparA3KKVDBINOWHo6GHKt6IBsC68cTvsniOcJtxVv00oQtvJyG4co6td1AYO7ycAIiWvFdo4rdypS60wl3TR4fKeyJBkiHPv69_87nNEY81ZQ0WBxjU_8qGsVaE6XkhEm/s400/500-reverse.JPG" width="400" /></a></span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Another UNESCO World Heritage Site is found at the back - the Puerto Prinsesa Subterranean River National Park. The Blue-naped parrot is also seen here.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIk-24URdlzHvY0_B6C6RGQXtl0xqzNYB0woFkahDCcIjnaGRBVoaFEFcxfaBMQuhYFkN0-TSbWqr_s5m_K65fuPVSAO3iGyoBIDNXPLzKhBK0wHfCDP6dX9jmWPvmJ_VpG0rp1tjV_O02/s1600/1000-obverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="168" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIk-24URdlzHvY0_B6C6RGQXtl0xqzNYB0woFkahDCcIjnaGRBVoaFEFcxfaBMQuhYFkN0-TSbWqr_s5m_K65fuPVSAO3iGyoBIDNXPLzKhBK0wHfCDP6dX9jmWPvmJ_VpG0rp1tjV_O02/s400/1000-obverse.JPG" width="400" /></a></div><div style="font-family: Verdana,sans-serif; text-align: justify;">Josefa Llanes Escoda, Vicente Lim and Jose Abad Santos are in the new Php1000 bill.</div><div style="text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgF8gY4azzbqQjDHNbB_q6_oq_slayplASe6huTZ9Ns57rNJ2VtjXiHYY9H48VxAs1yXBfx9Vtgh1oVNuAauqwnvdv5o6yok0Iop6PhZV1yJGMtm5YMmY88Wa4Qq5cXk17UiNYsWMa3KFbV/s1600/1000-reverse.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="171" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgF8gY4azzbqQjDHNbB_q6_oq_slayplASe6huTZ9Ns57rNJ2VtjXiHYY9H48VxAs1yXBfx9Vtgh1oVNuAauqwnvdv5o6yok0Iop6PhZV1yJGMtm5YMmY88Wa4Qq5cXk17UiNYsWMa3KFbV/s400/1000-reverse.JPG" width="400" /></a></div><div style="text-align: justify;"><span style="font-family: Verdana,sans-serif;">The Tubattaha Reef Marine Park in Sulu Sea is featured at the back and it is another UNESCO World Heritage Site. The Pinctada Maxima, the largest pearls in the world which is produced in the South Seas is also seen at the back with an Ikat-dyed abaca at the right side.</span></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-69104670189097655952010-12-22T14:55:00.002+08:002010-12-22T16:18:22.930+08:00Stock Markets - A New Subject for HS Students<div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">This is indeed a pleasant news for today. <a href="http://www.deped.gov.ph/updates/default.asp">Department of Education</a> approved stock market lessons for public and private high school students. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The modules were designed to teach basics of stocks exchange and capital markets, and to promote financial literacy and investment consciousness among the youth. It is likely to be included in Technology and Livelihood Education or Makabayan subjects for first to fourth year.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"> </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Students will also be taught basic concepts of investing, including the benefits, risks and rewards of investing in the stock market and capital market, as well as the objectives of the PSE as regulator of the country’s stock market.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"> </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">As stated in the DepEd website, the lessons will be integrated in Economics, </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">which is part of the fourth year curriculum of high school students in the beginning of academic year 2009-2010. <a href="http://ph.news.yahoo.com/ss/20101222/tbs-hs-students-to-be-taught-about-stock-9a72ca5.html">Source: Yahoo News and Sun.Star</a></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVSneJ0c55EGzXqnI6J-x6D1qF3mRh-74enqkYsiXYu133fU1m_CeDhJkd0JBqSjxmd7dlfTU6pFIVaoM2342AtiGb4Vc349ePS8Dxw90K7kc1hTfMjUJEAIjk1NxPvrGogV8KIQZt3DBe/s1600/stock_market_-_ncr.66174917_std.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVSneJ0c55EGzXqnI6J-x6D1qF3mRh-74enqkYsiXYu133fU1m_CeDhJkd0JBqSjxmd7dlfTU6pFIVaoM2342AtiGb4Vc349ePS8Dxw90K7kc1hTfMjUJEAIjk1NxPvrGogV8KIQZt3DBe/s320/stock_market_-_ncr.66174917_std.jpg" width="292" /></a></div><div style="font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="http://www.pinoysavingsblog.com/tag/philippine-stock-exchange/">image source</a> </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">I personally think this is beneficial for both students and the Philippine economy since financial literacy is starting to be taught among the youth.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Like what I say in my previous posts, financial education is important in order to build one's wealth. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">These students are very lucky to have been given the opportunity to learn at a young age so don't be surprised if you meet teenagers who are already stock market investors. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The future of the Philippine Stock Market looks very bright with this new development. So cheers to DepEd and PSE! :)</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"> </span></div><script id="gtbTranslateElementCode">
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</script>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-57294506842564314482010-12-22T10:19:00.003+08:002010-12-22T16:18:45.545+08:00Sun Life Asset Management Company Inc. (SLAMC)<div class="separator" style="clear: both; text-align: center;"><img border="0" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUwN9vkqiuVLzckG9i2xBtw4FmA8-oDB87nOXp7NO_3n_YojFH66nRW4xLhAUNfPlgkQeAx_cUrOqZ0TIiMlJkGiXCpDtroXxicIRFuq8PsH49BvkJ6_Q5K3pOC-XJYC4ML8z7S17F7lNg/s400/225023710_44030878663f1efcb169o.jpg" width="400" /> </div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="http://www.sulit.com.ph/index.php/view+classifieds/id/2955340/IT%27S+TIME%21%21%21+INVEST++FOR+YOUR+FUTURE%21+%28SUNLIFE+FINANCIAL+PHIL%29">image source</a></span></div><br />
<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Sun Life Financial in the Philippines offers a wide spectrum of products that include Life Insurance, Accidental Insurance, Pension Plans, Education Plans and Mutual Funds.<br />
<br />
Sun Life Financial Philippines is represented in the country by its life insurance arm, Sun Life of Canada (Philippines), Inc. (SLOCPI); its mutual fund manager, Sun Life Asset Management Company Inc. (SLAMC); and its pre-need business distributor, Sun Life Financial Plans Inc (SLFPI).<br />
<br />
SLAMC is the fund manager and principal distributor of the biggest family of mutual funds in the country – the Sun Life Prosperity Funds. The company is the first in the industry to have an accounting system that adequately complied with the standards set by the International Accounting Standards (IAS). SLAMC benefits greatly from the expertise of its mother company’s close association with MFS Investment Management – the inventor of mutual funds in the U.S.<br />
<br />
Here are Sunlife’s Mutual Fund Products:</span> </div><div></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Sun+Life+prosperity+funds/Bond+Fund?vgnLocale=en_CA"><u><b>Bond Fund</b></u></a></span></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The Sun Life Prosperity Bond Fund is designed to provide regular interest income and preservation of capital through investments in government and high-quality corporate debt securities that together represent below average risk.</span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Once you have decided how much you want to place in the Fund, you will be given three purchase options:</span></div><div style="text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Option A (front-end sales load) requires that you pay the sales charge upon investing. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Option B (back-end sales load), on the other hand, requires that you pay a sales charge only if you redeem (sell your shares to the fund) within five years, with the charges on a decreasing rate per year, reaching zero after the fifth year.</span></div><div style="text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The third sales load option (Option C) is called the front-end load with redemption fee. Purchasing shares under this option means paying a lower sales charge upon entry (compared to Option A), and a lower sales charge upon redemption (compared to Option B). The sales charge upon redemption will only be paid if you redeem in less than 2 years. The minimum initial investment for this option, however, is pegged at Php 1,000,000.</span></div><div style="text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">All of these options also allow you to transfer between selected peso-denominated funds as much as four times a calendar year, free of charge.</span></div><div style="text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">To learn more about the Sun Life Prosperity Funds, please get in touch with us through telephone number <b>(632) 849-9888</b> or email: <a href="mailto:phil_prosperity@sunlife.com"><b><span style="color: black; text-decoration: none;">phil_prosperity@sunlife.com</span></b></a></span></div><div style="text-align: justify;"></div><h1 style="font-family: Verdana,sans-serif; font-weight: normal; text-align: justify;"><span style="font-size: small;"><a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Sun+Life+prosperity+funds/Balanced+Fund?vgnLocale=en_CA"><u><b>Balanced Fund</b></u></a></span><span style="font-size: small;"> </span></h1><h1 style="font-family: Verdana,sans-serif; font-weight: normal; text-align: justify;"></h1><h1 style="text-align: justify;"><span style="font-size: small;"><span style="font-family: Verdana; font-weight: normal;">The Sun Life Prosperity Balanced Fund is designed to provide total returns consisting of current income and capital growth through investment in a diversified portfolio of debt (bonds) and equity (stocks) securities from both domestic and foreign issuers.</span><span style="font-family: Verdana; font-weight: normal;"></span></span></h1><div style="text-align: justify;"></div><h2 style="text-align: justify;"><span style="font-size: small;"><span style="font-family: Verdana; font-weight: normal;">To learn more about the Sun Life Prosperity Funds, please get in touch with us through telephone number <b><span style="font-family: Verdana; font-weight: normal;">(632) 849-9888</span></b> or email: <a href="mailto:phil_prosperity@sunlife.com"><b><span style="color: black; font-family: Verdana; font-weight: normal; text-decoration: none;">phil_prosperity@sunlife.com</span></b></a></span><span style="font-family: Verdana;"> </span><span style="font-family: Verdana;"></span></span></h2><div style="text-align: justify;"></div><h1 style="font-family: Verdana,sans-serif; font-weight: normal; text-align: justify;"><span style="font-size: small;"></span></h1><div style="text-align: justify;"><span style="font-size: small;"><b><a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Sun+Life+prosperity+funds/Philippine+Equity+Fund?vgnLocale=en_CA" style="font-family: Verdana,sans-serif;"><u>Philippine Equity Fund</u></a></b> </span><span style="font-size: small;"><span style="font-family: Verdana; font-weight: normal;"><b><span style="color: black; font-family: Verdana; font-weight: normal; text-decoration: none;"> </span></b></span></span></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-size: small;"><a href="mailto:phil_prosperity@sunlife.com"> </a></span></div><h1 style="text-align: justify;"><span style="font-size: small;"><span style="font-family: Verdana; font-weight: normal;">The Sun Life Prosperity Philippine Equity Fund is designed to generate long-term capital appreciation through investments mainly in high-quality listed Philippine equity securities, diversified across sectors and issue sizes to reduce portfolio volatility. The term "equity securities" include common stock, preferred stock and securities convertible into, or exchangeable for, such equity securities. The fund may also invest in fixed-income securities issued by government and prime corporations such as, but not limited to, commercial papers, notes, bonds, and non-convertible preferred shares.</span><span style="font-family: Verdana; font-weight: normal;"></span></span></h1><div style="text-align: justify;"></div><h2 style="text-align: justify;"><span style="font-size: small;"><span style="font-family: Verdana; font-weight: normal;">To learn more about the Sun Life Prosperity Funds, please get in touch with us through telephone number <b><span style="font-family: Verdana; font-weight: normal;">(632) 849-9888</span></b> or email: <a href="mailto:phil_prosperity@sunlife.com"><b><span style="color: black; font-family: Verdana; font-weight: normal; text-decoration: none;">phil_prosperity@sunlife.com</span></b></a></span><span style="font-family: Verdana;"></span></span></h2><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-size: small;"><span style="font-family: Verdana; font-weight: normal;"><a href="mailto:phil_prosperity@sunlife.com"><b><span style="color: black; font-family: Verdana; font-weight: normal; text-decoration: none;"></span></b></a></span><b style="font-family: Verdana,sans-serif;"><a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Sun+Life+prosperity+funds/Money+Market+Fund?vgnLocale=en_CA"><u>Money Market Fund</u></a></b></span></div><div style="text-align: justify;"><span style="font-size: small;"><b style="font-family: Verdana,sans-serif;"><u><br />
</u></b></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Money market funds are comparatively low risk mainly because of the securities in their portfolio. These types of funds only invest in securities that are “short-term,” meaning those with a term of one year or less. As a general rule, short-term securities are less riskier than longer-tenor securities.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The Prosperity Money Market Fund is the <i><b>first absolutely no load fund</b></i> in the Philippines. There are no fees to pay upon investing. This means that your Php 10,000 initial placement is invested wholly into the fund, thereby maximizing its earning potential. Subsequent investments can also be made for as low as Php 5,000.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"> </span> </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">In addition, the Prosperity Money Market Fund provides immediately access to your investments after seven (7) calendar days. This means you can withdraw your investments after seven (7) days without incurring any exit fees. Other mutual funds may not have any initial sales loads when you invest, but will require you to have at least a two year holding period otherwise your redemption shall be subjected to exit fee. But with the Prosperity Money Market Fund, you do not have to worry this.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Unlike bank products that provide tax breaks on your interest earnings only when you stay with them until your money “matures”, your mutual fund proceeds are not subject to the usual 20% withholding tax.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">This tax-free feature of Philippine mutual funds, combined with the liquidity, zero load, and no holding period attributes of the Prosperity Money Market Fund, make it a good alternative to time deposits. That dilemma of not being able to pull out your money because you’ll be “taxed” is no longer a problem with this Fund.</span></div><div style="text-align: justify;"></div><h1 style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Sun+Life+prosperity+funds/GS+Fund?vgnLocale=en_CA"><u>GS Fund</u></a></span></h1><div style="text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The Sun Life Prosperity GS Fund invests purely in securities of the Republic of the Philippines. These include all domestic fixed-income instruments issued directly by the Philippine government. As such, payment of proceeds to the Fund is backed by a sovereign guarantee.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Just how safe are government securities? Consider this fact: for the protection of the investors, all Philippine registered mutual funds are mandated by the Securities and Exchange Commission to comply with some regulatory restrictions. One of these is that no locally registered mutual funds can invest more than 10% of its total assets in the securities of any one issuer. The only exception to this rule? Investments in government securities can be virtually limitless, because these are considered as investments guaranteed by the government.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The minimum initial investment for the Fund is Php 10,000 for Options<br />
A & B, and Php 1,000,000 for Option C. Subsequent investments may also be made for Php 5,000. The Fund has three purchase options:</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Option A (front-end sales load) requires that you pay the sales charge upon investing. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Option B (back-end sales load), on the other hand, requires that you pay a sales charge only if you redeem (sell your shares to the fund) within five years, with the charges on a decreasing rate per year, reaching zero after the fifth year.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Option C is also available for the Sun Life Prosperity GS Fund. Purchasing shares with this sales load means paying a lower sales charge upon entry (compared to Option A), and a lower sales charge upon redemption (compared to Option B). The sales charge upon redemption will only be applicable if you redeem in less than 2 years.</span></div><div style="text-align: justify;"></div><h1 style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Sun+Life+prosperity+funds/Dollar+Advantage+Fund?vgnLocale=en_CA"><u>Dollar Advantage Fund</u></a></span></h1><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Sun Life Prosperity Dollar Advantage Fund may be invested in foreign-exchange denominated securities issued abroad. This means that with just one fund, you have the opportunity to access a broader range of securities markets in your investment portfolio, benefiting from higher-growth economies and increasing your potential overall return.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
If the investment managers take advantage of the option to invest abroad, the Fund may achieve a level of diversification that is more varied than if it were just to invest locally. Through diversification, foreign exposure can actually reduce risk and provide greater stability in your portfolio. Investing this way reduces the effect of a downturn in any single country. For this reason, diversification works best among economies that move in different economic cycles - while one market may be depressed, others may be booming.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">To learn more about the Sun Life Prosperity Funds, please get in touch with us through telephone number <b>(632) 849-9888</b> or email: <a href="mailto:phil_prosperity@sunlife.com"><b><span style="color: black; text-decoration: none;">phil_prosperity@sunlife.com</span></b></a></span></div><div style="text-align: justify;"></div><h1 style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Sun+Life+prosperity+funds/Dollar+Abundance+Fund?vgnLocale=en_CA"><u>Dollar Abundance Fund</u></a></span></h1><div style="text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">If you are primarily a conservative investor who prefers investing in foreign exchange denominated investments, then the Sun Life Prosperity Dollar Abundance Fund is for you. Though the Fund is designed to invest in bonds primarily denominated in US Dollars, it may also invest in fixed-income instruments denominated in other leading foreign currencies. These include securities issued by governments and corporations in the Republic of the Philippines, the United States, or other major world economies such as the Euro zone, Japan, Canada, United Kingdom, and Switzerland.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Just like the Sun Life Prosperity Dollar Advantage Fund, the Sun Life Prosperity Dollar Abundance Fund gives its investors the opportunity to earn in US Dollars as well as the chance to invest in offshore securities. The Philippine government currently allows local mutual funds to invest in securities issued abroad. This means that our Fund Managers can take advantage of investment opportunities overseas if market conditions allow.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="text-align: justify;"><span style="font-size: small;"><u style="font-family: Verdana,sans-serif;"><b></b></u><span style="font-family: Verdana,sans-serif;"></span></span> </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">So what, you may ask, is the difference between the Prosperity Dollar Advantage Fund and the Prosperity Dollar Abundance Fund? Simply put, the Prosperity Dollar Advantage Fund is a balanced fund that invests in both bonds and stocks, while the Prosperity Dollar Abundance Fund is a purely bond fund.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">This makes it a more suitable fund for those who prefer the fixed-income earnings of bond instruments and don’t like the potential volatility of equity investments. If you are new to the world of investing and are not sure what fund you should invest in, take our <a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Investment+tools/Know+your+profile+as+an+investor?vgnLocale=en_CA">Investor Profile Questionnaire quiz</a> and let your Sun Life Mutual Fund Representative guide you in your choice of fund.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Investing with the Sun Life Prosperity Funds gives you affordable access to high caliber investment management that is usually reserved only for corporations, institutions, and the very wealthy. Successful investing takes knowledge and careful research, qualities that the Sun Life Financial investment management team possess in abundance.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">The minimum initial investment for the Fund is US$ 2,000. Subsequent investments may also be made for US$ 500. The Fund has three purchase options:</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Option A (front-end sales load) requires that you pay the sales charge upon investing. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Option B (back-end sales load), on the other hand, requires that you pay a sales charge only if you redeem (sell your shares to the fund) within five years, with the charges on a decreasing rate per year, reaching zero after the fifth year.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">A third option, Option C, is available for the Sun Life Prosperity Dollar Abundance Fund. Purchasing shares with this sales load means paying a lower sales charge upon entry (compared to Option A), and a lower sales charge upon redemption (compared to Option B). The sales charge upon redemption will only be applicable if you redeem in less than 2 years.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">To learn more about the Sun Life Prosperity Funds, please get in touch with us through telephone number <b>(632) 849-9888</b> or email: <a href="mailto:phil_prosperity@sunlife.com"><b><span style="color: black; text-decoration: none;">phil_prosperity@sunlife.com</span></b></a></span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-sApnBmKEzJB013rkYvfN9hbK5PGT8h9eODZmczzpyPQrEVFnNY5CE9LHQ_juJJqsZgF60-JJRvkWtZy8FkyPiau70BNyjdpCR_qZdG8WHcJqlhYHibLjmve63s0rAwgUWXeDmDeg8Ykg/s1600/230103105_thumbnail3575044412961417911406110417960539621945612n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="305" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-sApnBmKEzJB013rkYvfN9hbK5PGT8h9eODZmczzpyPQrEVFnNY5CE9LHQ_juJJqsZgF60-JJRvkWtZy8FkyPiau70BNyjdpCR_qZdG8WHcJqlhYHibLjmve63s0rAwgUWXeDmDeg8Ykg/s320/230103105_thumbnail3575044412961417911406110417960539621945612n.jpg" width="320" /></a></div><div style="text-align: center;"><a href="http://www.sulit.com.ph/index.php/view+classifieds/id/2955340/IT%27S+TIME%21%21%21+INVEST++FOR+YOUR+FUTURE%21+%28SUNLIFE+FINANCIAL+PHIL%29">image source</a><br />
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</div><div style="text-align: center;"></div></div><div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: large;"><b><span style="color: black; text-decoration: none;">Website:</span></b></span></div><div class="MsoNormal" style="text-align: center;"><a href="http://www.blogger.com/goog_138351227" style="font-family: Verdana,sans-serif;"><span style="font-size: large;"><b><span style="color: black; text-decoration: none;"> </span></b></span></a><span style="font-family: Tahoma;"><b><span style="color: black; font-family: Tahoma; text-decoration: none;"><a href="http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds?vgnLocale=en_CA" style="font-family: Verdana,sans-serif;"><span style="font-size: large;">http://www.sunlife.com.ph/philippines</span></a></span></b></span></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-34989108673617559062010-12-12T14:02:00.001+08:002010-12-12T14:05:47.542+08:00December 2010 - February 2011 Colayco Seminars<div style="text-align: justify;"><b><span style="color: black; font-family: Verdana; font-weight: normal;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span></b><span style="font-family: Verdana;"></span></div><div style="text-align: justify;"><b><span style="color: black; font-family: Verdana; font-weight: normal;">Payments may be made in advance.</span></b><b><span style="color: black; font-family: Verdana; font-weight: normal;"> </span></b><span style="color: black; font-family: Verdana;"> </span><span style="font-family: Verdana;"></span></div><div style="color: magenta; text-align: justify;"><a href="http://www.blogger.com/goog_2037278806"><u><br />
</u></a></div><div style="text-align: justify;"><a href="http://www.colaycofoundation1.com/payment-options/"><u><span style="font-family: Verdana;"><span style="color: black;"><span style="color: magenta;">For payment options click here</span>.</span></span></u></a><br />
</div><table border="1" cellpadding="0" cellspacing="4" class="MsoNormalTable"><tbody>
<tr> <td colspan="2" style="padding: 7.5pt; width: 363pt;" valign="top" width="484"><h2 style="text-align: justify;"><b><span style="color: black; font-family: Verdana; font-size: 12pt; font-weight: normal;">INVESTablity: The Stock Market</span></b><span style="font-family: Verdana; font-weight: normal;"></span></h2></td> </tr>
<tr> <td style="padding: 7.5pt; width: 179.25pt;" valign="top" width="239"><div class="MsoNormal"><span style="color: black; font-family: Verdana;">December 09, 2010 Thursday 9:00AM-12:00NN</span><span style="font-family: Verdana;"> </span></div><span style="color: black; font-family: Verdana;">Venue: Boardroom, 3/F Philippine Stock Exchange , Tower 1, Ayala Triangle, Ayala Ave. Makati City</span><span style="font-family: Verdana;"></span><br />
<i><span style="color: black; font-family: Verdana;">Regular Learning Fee: Php2000</span></i><br />
<br />
<span style="color: black; font-family: Verdana;"><b><span style="font-family: Verdana; font-weight: normal;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></span></b></span><span style="font-family: Verdana;"></span><br />
<span style="color: black; font-family: Verdana;">Call (02) 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><span style="font-family: Verdana;"></span><br />
<span style="font-family: Verdana;"><a href="http://www.colaycofoundation1.com/?p=1005"><span style="color: black;">For payment options click here.</span></a></span></td> <td style="padding: 7.5pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><b><span style="color: black; font-family: Verdana; font-weight: normal;">Who</span></b><span style="color: black; font-family: Verdana;">: Ideal for those who are considering stock investing and would like an unbiased view of the pros and cons of stock investing in lay-mans terms.</span></div><div class="MsoNormal"><span style="color: black; font-family: Verdana;"><b><span style="font-family: Verdana; font-weight: normal;"><br />
</span></b></span><span style="font-family: Verdana;"></span></div><div style="text-align: justify;"><b><span style="color: black; font-family: Verdana; font-weight: normal;">Why:</span></b><span style="color: black; font-family: Verdana;"> Stock investing is complicated but it is also a viable instrument for growing your wealth. This seminar will equip you with the tools you need for purpose driven investing. It will also introduce the what, why and how of investing in the stock market.</span><span style="font-family: Verdana;"></span></div></td> </tr>
<tr> <td colspan="2" style="padding: 7.5pt; width: 363pt;" valign="top" width="484"><h2 style="text-align: justify;"><b><span style="color: black; font-family: Verdana; font-size: 12pt; font-weight: normal;">INVESTability: Mutual Funds</span></b><span style="font-family: Verdana; font-weight: normal;"></span></h2></td> </tr>
<tr> <td style="padding: 7.5pt; width: 179.25pt;" valign="top" width="239"><div class="MsoNormal"><s><span style="color: black; font-family: Verdana;">December 18, 2010 Saturday 2:00-5:00PM</span></s><span style="font-family: Verdana;"> </span></div><span style="font-family: Verdana;">Postponed to December 18, 2010, Saturday 9:00am-12:00nn</span><br />
<span style="font-family: Verdana;">Venue: Social Hall, 7th Floor, Citystate Center Condominium, 709 Shaw Blvd., Pasig City</span><br />
<i><span style="font-family: Verdana;">Regular Learning Fee: Php2000</span></i><br />
<br />
<span style="color: black; font-family: Verdana;"><b><span style="font-family: Verdana; font-weight: normal;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></span></b></span><span style="font-family: Verdana;"></span><br />
<span style="color: black; font-family: Verdana;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><span style="font-family: Verdana;"></span><br />
<span style="font-family: Verdana;"><a href="http://www.colaycofoundation1.com/?p=1005"><span style="color: black;">For payment options click here.</span></a></span></td> <td style="padding: 7.5pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><b><span style="color: black; font-family: Verdana; font-weight: normal;">Who:</span></b><span style="color: black; font-family: Verdana;"> Ideal for those who are considering investing in mutual funds and would like an unbiased view of the pros and cons of investing in mutual funds in lay-mans terms.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Verdana;"><b><span style="font-family: Verdana; font-weight: normal;"> </span></b></span><span style="font-family: Verdana;"></span></div><b><span style="color: black; font-family: Verdana; font-weight: normal;">Why:</span></b><span style="color: black; font-family: Verdana;"> Mutual Funds are considered the greatest democratizer of investment instruments. You can start investing for Php5000. But since it is not common knowledge, many people are skeptical.</span><span style="font-family: Verdana;"></span></td> </tr>
<tr> <td colspan="2" style="padding: 7.5pt; width: 363pt;" valign="top" width="484"><h2><b><span style="color: black; font-family: Verdana; font-size: 12pt; font-weight: normal;">Pera</span></b><b><span style="color: black; font-family: Verdana; font-size: 12pt; font-weight: normal;"> Mo, Palaguin Mo Workshop</span></b><span style="font-family: Verdana; font-weight: normal;"></span></h2></td> </tr>
<tr> <td style="padding: 7.5pt; width: 179.25pt;" valign="top" width="239"><div class="MsoNormal"><span style="color: black; font-family: Verdana;">December 28, 2010, 1:00-5:00PM</span><span style="font-family: Verdana;"> </span></div><span style="font-family: Verdana;">Venue: Social Hall, 7th Floor, Citystate Center Condominium, 709 Shaw Blvd., Pasig City</span><br />
<i><span style="font-family: Verdana;">Regular Learning Fee: Php2000</span></i><br />
<br />
<span style="font-family: Verdana;"><b><span style="font-family: Verdana; font-weight: normal;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Register Online</a></span></b></span><br />
<span style="font-family: Verdana;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span><br />
<span style="font-family: Verdana;"><a href="http://www.colaycofoundation1.com/?p=1005">For payment options click here.</a></span></td> <td style="padding: 7.5pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><b><span style="font-family: Verdana; font-weight: normal;">Who:</span></b><span style="font-family: Verdana;"> Ideal for those who are serious about taking control of their personal lives by preparing their own financial plan to be wealthy.<b><span style="font-family: Verdana; font-weight: normal;"> </span></b></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><b><span style="font-family: Verdana; font-weight: normal;">Why:</span></b><span style="font-family: Verdana;"> This workshop will equip you with the the skills to make your own Financial Plan to be Wealthy. It will also equip you with the right Investing Mindset. Armed with these, you will be on your way to financial independence.</span></div></td> </tr>
<tr> <td colspan="2" style="padding: 7.5pt; width: 363pt;" valign="top" width="484"><h2><b><span style="color: black; font-family: Verdana; font-size: 12pt; font-weight: normal;">PISObilities: Wealth Within Your Reach</span></b><span style="font-family: Verdana; font-weight: normal;"></span></h2></td> </tr>
<tr> <td style="padding: 7.5pt; width: 179.25pt;" valign="top" width="239"><div class="MsoNormal"><b><span style="font-family: Verdana; font-weight: normal;">NOTE: POSTPONED – first quarter of 2011</span></b><span style="font-family: Verdana;"> </span></div><span style="color: black; font-family: Verdana;">1 Saturday of February </span><span style="font-family: Verdana;"></span><br />
<span style="color: black; font-family: Verdana;">Venue: Chowking, One Mango Ave., Cebu</span><span style="font-family: Verdana;"></span><br />
<i><span style="color: black; font-family: Verdana;">Regular Learning Fee: Php2000</span></i><br />
<br />
<span style="color: black; font-family: Verdana;"><b><span style="font-family: Verdana; font-weight: normal;"><a href="https://spreadsheets.google.com/viewform?formkey=dERKaEFtZjJnZmM1YkpEdWx3YnhCRUE6MQ">Click Here to Request for Information when details have been finalized<br />
</a></span></b></span><span style="font-family: Verdana;"></span><br />
<span style="color: black; font-family: Verdana;">SMS: 09178632126 or 09178626028 or 09178537333 or email joni@colaycofoundation.com or eric@colaycofoundation.com or info@colaycofoundation.com to avail of early bird and group discounts and to reserve your slot!</span><span style="font-family: Verdana;"></span><br />
<span style="font-family: Verdana;"><a href="http://www.colaycofoundation1.com/?p=1005"><span style="color: black;">For payment options click here.</span></a></span></td> <td style="padding: 7.5pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><b><span style="color: black; font-family: Verdana; font-weight: normal;">Who:</span></b><span style="color: black; font-family: Verdana;"> Ideal for individuals who would like to take control of their finances. Because money management is a family affair, the seminar is also ideal for couples.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Verdana;"><b><span style="font-family: Verdana; font-weight: normal;"> </span></b></span><span style="font-family: Verdana;"></span></div><b><span style="color: black; font-family: Verdana; font-weight: normal;">Why:</span></b><span style="color: black; font-family: Verdana;"> This seminar will equip you with the basics of proper money management – spending, savings, planning and investing. It will help you make sense of their financial goals in life and introduce instruments, which will help you achieve it.</span><span style="font-family: Verdana;"></span></td> </tr>
</tbody></table><div style="text-align: justify;"><span style="color: black; font-family: Verdana;"><a href="http://www.colaycofoundation1.com/wp-content/uploads/2010/10/mutual-funds.png"><br />
</a><b><span style="font-family: Verdana; font-weight: normal;">Call 637-3731, 635-3247, 637-3741 or 577-9540 to avail of early bird and group discounts and to reserve your slot!</span></b></span><span style="font-family: Verdana;"></span></div><div style="text-align: justify;"><i><span style="font-family: Verdana;"><br />
<i><span style="font-family: Verdana;">*Schedules and venues are subject to change without prior notice. Those who have pre-registered will be contacted should any changes be effected.</span></i></span></i><span style="font-family: Verdana;"></span></div><div style="text-align: justify;"><span class="stfbtext"><span style="cursor: pointer; display: inline-block;"><span style="color: black; font-family: Verdana;">Share</span></span><span class="stfbhbubble"><span style="color: black; font-family: Verdana;">239</span></span></span><span class="sttwbutton"><span style="cursor: pointer; display: inline-block;"><span style="color: black; font-family: Verdana;"> <span style="display: inline-block;"></span></span><span class="sttwvbubbleleft"><span style="color: black; font-family: Verdana;"> </span></span><span class="sttwvbubble"><span style="color: black; font-family: Verdana;">17</span></span></span></span><span class="chickletsemail"><span style="cursor: pointer; display: inline-block;"><span style="color: black; font-family: Verdana;">share</span></span><span class="stbubblehcount"><span style="color: black; font-family: Verdana;">107</span></span></span><span class="chickletssharethis"><span style="cursor: pointer; display: inline-block;"><span style="color: black; font-family: Verdana;">share</span></span><span class="stbubblehcount"><span style="color: black; font-family: Verdana;">363</span></span></span></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="chickletssharethis"><span class="stbubblehcount"><span style="color: black; font-family: Verdana;">Source:<a href="http://www.colaycofoundation1.com/calendar/">http://www.colaycofoundation1.com/calendar/</a> </span></span></span><span style="font-family: Verdana;"></span></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-83026244251637500442010-12-10T16:20:00.003+08:002010-12-10T17:52:18.531+08:00The Millionaire Next Door<div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">I enjoyed reading The Millionaire Next Door by <a href="http://www.thomasjstanley.com/">Thomas Stanley</a> and William Danko. The authors studied the lives of wealthy Americans almost scientifically.</span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><span id="goog_1957511553"></span><span id="goog_1957511554"></span><span style="font-family: Verdana;"> </span><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5gwhdaj-1u01dbOVZcz6_r1mEfQkDPTtvr4Aycxl8hrhUISWHy4dRS4EMt-7AXY89Jxxybu0pf4cdI4uAgLYkl1kuH1kh3iXJ5tzSkDOw37-aKkEX5Fhqz_SYhZzEvlHDzuzh0cZfe8jd/s1600/Picture+002.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5gwhdaj-1u01dbOVZcz6_r1mEfQkDPTtvr4Aycxl8hrhUISWHy4dRS4EMt-7AXY89Jxxybu0pf4cdI4uAgLYkl1kuH1kh3iXJ5tzSkDOw37-aKkEX5Fhqz_SYhZzEvlHDzuzh0cZfe8jd/s400/Picture+002.jpg" width="400" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">My “brief” review won’t do justice to the book. I just featured it in my blog because it motivated me to my goal of becoming rich someday.</span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">While reading the book, you would be surprised that wealthy Americans don't live in posh neighborhoods or drive luxury cars. They don't even wear the most expensive suits or take extravagant vacations.</span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">Surprised yet? Being wealthy in America doesn’t necessarily mean having a high annual income. In fact, not all high-income producing individuals such as physicians, lawyers belong to this elite group.</span></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-family: Verdana;">Stanley and Danko identified seven common denominators of real millionaires:</span></div><ul type="disc"><li class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">They live well below their means.</span></li>
<li class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">They pursue wealth very efficiently.</span></li>
<li class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">They have little interest in social status.</span></li>
<li class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">They got no financial help from their parents.</span></li>
<li class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">Their adult children pay their own way.</span></li>
<li class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">They identify profitable markets.</span></li>
<li class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">They choose occupations wisely.</span></li>
</ul><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">The book opened the possibility that anyone can become wealthy in spite of having low or middle-income. Don’t fret if you don’t belong to the high-income bracket yet because in most cases, high income translates to high consumption and upgraded lifestyle. </span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">The book also made me realize that time is our ally. The earlier we start the richer we become. </span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqtTzp50-oYOwWbw0JdJHnhfPiajjQI0mhBgVvMqTWFTzAXV2ECyujCeSUgHB3pDVFIyARVnrX1FIIGDjEmR1_IIk__w9_rr2YKkXsqoYfwKNPB_tB88CnLusTMcT3aaI9zRwRBBDRN-Rz/s1600/Picture+003.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqtTzp50-oYOwWbw0JdJHnhfPiajjQI0mhBgVvMqTWFTzAXV2ECyujCeSUgHB3pDVFIyARVnrX1FIIGDjEmR1_IIk__w9_rr2YKkXsqoYfwKNPB_tB88CnLusTMcT3aaI9zRwRBBDRN-Rz/s400/Picture+003.jpg" width="400" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;"><br />
</span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">You may buy the book online at Amazon. Click <a href="http://www.amazon.com/gp/product/1589795474/ref=pd_lpo_k2_dp_sr_1?pf_rd_p=1278548962&pf_rd_s=lpo-top-stripe-1&pf_rd_t=201&pf_rd_i=0671015206&pf_rd_m=ATVPDKIKX0DER&pf_rd_r=0AV3AZ1FAFD5ZR735564">LINK</a> now!</span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;"> </span><span style="font-family: Verdana;"> </span></div><div class="MsoNormal" style="text-align: justify;"><a href="http://www.amazon.com/gp/product/1589795474/ref=pd_lpo_k2_dp_sr_1?pf_rd_p=1278548962&pf_rd_s=lpo-top-stripe-1&pf_rd_t=201&pf_rd_i=0671015206&pf_rd_m=ATVPDKIKX0DER&pf_rd_r=0AV3AZ1FAFD5ZR735564"><span style="font-family: Verdana;"><br />
</span></a></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com2tag:blogger.com,1999:blog-693532190727118945.post-12936866058721660612010-12-08T17:35:00.002+08:002010-12-22T16:19:32.389+08:00The BDO Easy Investment Plan (EIP)<div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">I was looking at the website of BDO to check on the <a href="http://www.bdo.com.ph/Personal/FinancialServices/WealthManagement/DailyNetAssets.asp">Net Asset Value (NAV) </a>when I saw this:</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
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</span></div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvykoMVH7lDx0OCQ43OBbDuEsKI_K83vK7FpSt_QgRBFF9zrxBHG7yAj9rFb2a12NBdhkoKZ5-0fTqPY7s8RqfnfWQYGJ6uj-7An_K3jfWI3UCFQ2o4jNF52kXdZZg9aUviefRTk8eqxUR/s1600/Invest_small2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvykoMVH7lDx0OCQ43OBbDuEsKI_K83vK7FpSt_QgRBFF9zrxBHG7yAj9rFb2a12NBdhkoKZ5-0fTqPY7s8RqfnfWQYGJ6uj-7An_K3jfWI3UCFQ2o4jNF52kXdZZg9aUviefRTk8eqxUR/s400/Invest_small2.jpg" width="346" /></a></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Correct me if I'm wrong but is <a href="http://www.bdo.com.ph/personal.asp">BDO</a> the first bank to introduce this new scheme for UITFs? Please enlighten me.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Before I expound on <a href="http://www.bdo.com.ph/Personal/Promos/EIP.asp">BDO's Easy Investment Plan (EIP),</a> I would like to refresh you on UITFs.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">UITF or Unit Investment Trust Fund is actually an improved version of the existing Common Trust Fund (CTF) which is a collective investment scheme similar to a mutual fund that pools the investments of small investors into a larger fund under professional management that is able to access more superior investment opportunities that are not normally available to individual retail players. The investors share in the gains and losses after expenses of the fund, proportionate to their respective participations in the pool. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><a href="http://www.bsp.gov.ph/publications/media.asp?id=289">Source: BSP website</a>.</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Most banks offer UITF products. Personally, I invest in BDO Bond Funds for my short-term fund since this is a safer investment among UITFs. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Going back to BDO's EIP, this is indeed good news to all investors and depositors. With just a small amount of investment, your money can grow and earn higher interests if done regularly over a period of time. </span></div><blockquote style="font-family: Verdana,sans-serif;"><span style="font-size: small;">Under this arrangement, an investor enrolls his savings or payroll account in a BDO automatic debit facility wherein a fixed amount/s (with a minimum of Php1,000.00) per month is/are deducted for the purpose of immediately investing in selected <a href="http://www.bdo.com.ph/Personal/DepositsInvestments/IAS/InvestmentFunds.asp">BDO UITFs</a>.</span></blockquote><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Advantages of the EIP:</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><ul style="font-family: Verdana,sans-serif; text-align: justify;"><li><span style="font-size: small;">The power of “compound interest” which refers to interest earned on principal plus interest that was earned earlier. </span><blockquote><span style="font-size: small;">To reiterate, the great Albert Einstein said that compound interest is "<span id="main" style="visibility: visible;"><span id="search" style="visibility: visible;">the greatest mathematical discovery of all time and </span></span><span id="main" style="visibility: visible;"><span id="search" style="visibility: visible;">the most powerful force in the universe."</span></span></span></blockquote><br />
<div class="separator" style="clear: both; text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXOcfCdvVB9X7zlptiVVbvxkQ_7wLQTZrdtzCjRvuITVM2pXxBabLdrmJDJFsRg4EIWGtayyNxWhUvM9FY9kQCEcrE3WaaJ-SdjE_z5UYJwjhsKqEuEs3noBCli28ebRXcq1aUFFzNtWci/s1600/einstein-compound-interest-rule-of-72.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXOcfCdvVB9X7zlptiVVbvxkQ_7wLQTZrdtzCjRvuITVM2pXxBabLdrmJDJFsRg4EIWGtayyNxWhUvM9FY9kQCEcrE3WaaJ-SdjE_z5UYJwjhsKqEuEs3noBCli28ebRXcq1aUFFzNtWci/s400/einstein-compound-interest-rule-of-72.jpg" width="400" /></a></span></div><div style="text-align: center;"><span style="font-size: small;"><a href="http://investorial.com/editors-notes/einstein-on-compound-interest-rule-of-72/">image source</a></span><br />
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</ul><ul style="font-family: Verdana,sans-serif; text-align: justify;"><li><span style="font-size: small;">Your regular, fixed amounts will build your portfolio in the long term, effectively averaging costs over time. This is called "cost averaging." This simply means that you need not monitor market conditions. Just continue to invest regularly whether the market is up or down.</span></li>
</ul><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Here’s how to join the EIP, in just three easy steps as stated in <a href="http://www.bdo.com.ph/Personal/Promos/EIP.asp">BDO's website: </a></span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">1. Fill out the EIP Application Form and enroll your BDO Savings/Checking Account in the EIP at any BDO branch. </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">2. Decide on the following details of your contribution:</span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"> • Amount: Minimum of Php1,000.00 per contribution </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;"> • Frequency and schedule: Once a month (5th, 10th, 15th, 20th, 25th or the 30th) or Twice a month (every 5th & 20th, 10th and 25th, or 15th & 30th) </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">3. Choose what type of UITF is best for you: BDO Fixed Income Fund, BDO Peso Balanced Fund or the BDO Equity Fund </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">Rush to your nearest BDO branch today! </span></div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;"><span style="font-size: small;">For inquiries, please call Trust and Investments Group at 840-7000 locals 4265, 4244, 4255 and 7032 or send an e-mail to trustandinvestmentsgroup@bdo.com.ph. </span></div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0tag:blogger.com,1999:blog-693532190727118945.post-35522084505212537022010-12-08T16:32:00.002+08:002010-12-22T16:20:40.849+08:00The Ultimate Book Of Inspiration (And Wealth)<div></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEaE-YEk_UDOOrnfr6cCSI8uhPhon6gGHxIpVrBB2J2hICZzitPvtS0QoTGkDXq2mhS2h8Z8AB9ToM6czPS3VgbvVGL1LfghtuTaNe-TTRpsbF7b2d1LMSR38ijcusIStmQAz4kDyWGoba/s1600/20060216-pileofbooks.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="296" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEaE-YEk_UDOOrnfr6cCSI8uhPhon6gGHxIpVrBB2J2hICZzitPvtS0QoTGkDXq2mhS2h8Z8AB9ToM6czPS3VgbvVGL1LfghtuTaNe-TTRpsbF7b2d1LMSR38ijcusIStmQAz4kDyWGoba/s400/20060216-pileofbooks.jpg" width="400" /></a></div><div class="MsoNormal" style="text-align: center;"><span style="font-family: Verdana;"> </span><span style="font-family: Verdana;"><a href="http://www.lifehack.org/articles/lifehack/ottobib-free-bibliography-generator.html">image source</a></span></div><div class="MsoNormal" style="text-align: justify;"><br />
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<span style="font-family: Verdana;">Books are one of life’s greatest gifts to mankind. Reading a good book transports you to another world and stimulates your imagination. Some even move you to a call to action <a href="http://wealthydiscoveries.blogspot.com/2010_09_01_archive.html">(like what happened to me)</a>.</span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">I like reading books that inspire the way I live my life. And I recently discovered the ultimate book of inspiration which draws waves upon waves of inspiration and love. </span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">Truly, the Bible is “THE BOOK.” </span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">I studied in a Catholic school during grade school and high school and they always encouraged us to read the Bible but sadly, I never practiced this. And now, I look forward to reading it. </span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">The Bible is truly, truly amazing! I finished reading the New Testament and currently reading the book of Judges in the Old Testament. </span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">I want to continually read the Bible so it becomes a habit and read as many versions so the inspiration never ends. </span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">I know I’m off-topic. This was supposed to be my intro on the book, The Millionaire Next Door. I hope you don’t mind that I digressed…</span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: Verdana;">Now back to regular programming.</span></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
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</div>Pia Dela Rosahttp://www.blogger.com/profile/17609102829091182120noreply@blogger.com0