What’s the difference between a businessman and an entrepreneur? Are they the same? They are somehow closely related as both do business. BUT I would say they are different. To answer it directly, in a puppet and puppeeter relationship, an entrepreneur is the puppeeter and the businessman is the puppet. In an employee-employer relationship, the entrepreneur is the employer while the employee is the businessman. In short, an entrepreneur MANAGES a businessman! Got it? What’s the

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Credit Cards… Yeah! It’s the easiest way of availing credit. Just swipe and charge! Presto! You can buy that particular commodity that you’re eyeing! Often times, we see a lot of people heavily burdened with their credit card debts. They end up working for the rest of their lives paying an unsurmountable amount of credit card debts that piled up over the past years from student loans, car loans and home loans.   Before, I really avoided having credit cards. A lot of

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A lot of us are worried in the global financial crisis that we are all facing. Companies are cutting down their costs. Unemployment rate rises. Economies are entering recession. Many are left homeless and are doing their best to make ends meet. While this scenario may be a disadvantage for a lot of us, this crisis poses an advantage and a great opportunity for the so-called “VULTURE FUNDS“. It’s a great time to hunt for their food. But what exactly are vulture funds in the

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Today is the last stock trading day here in the Philippines since there will be a long vacation in celebration of Christmas and New Year from December 25 to January 4. This is also the time that I will update my networth for the month of December. I’ve been monitoring my stock trading portfolio from time to time and definitely it is a bear market with market value turnover of less than a million. I invested at the wrong time.   Since this will be my second update, the basis of

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We are now living in one of the worst global financial crisis. This is proven by the fact that a lot of economies are going into recession and trillions of stock values were wiped out. Aside from these, a lot of companies have reduced their earnings with a lot of plant closures and job lay offs. We often hear the word recession. We’ve watched news that Singapore, Germany, Japan, and New Zealand officially declared recession in their economies. But what is recession? And what caused

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I first learned about stocks two years ago, that was in 2006. But then I did not take it seriously. The first trade that I did was a JFC stock thru BPI Trade, the online trading platform of BPI bank. I remembered, I bought 100 shares of JFC at above market value back then just to have a match with my buy order because I have been placing my order for a few days already but there was no match. The market value was Php 42 and I bid for a buy at Php 44. Presto! It’s an instant match! But

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In my effort to further educate newbies in the field of stock market, I initiated this article for stock market beginners. You may call it Stocks 101 or Stocks for Dummies. First and foremost, what is the stock market? A stock market is an avenue for companies and corporations to offer their shares in the public. Once a company listed their shares in the stock market, then the public is free to buy and sell those stocks. So what’s the pros and cons of a company in listing their stocks

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In my previous article regarding Time Value of Money, if you have extra cash, it is better to invest it somewhere since keeping it in your drawer or cabinet alone is not the right approach. Doing so will let your money be subjected to a depreciating purchasing power as every year, inflation rises. Let your money work for you. Make your cash work hard for you as you have worked hard to earn it. Here are some of the reasons on why do you need to invest. As discussed, there are three

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Before you enter a business, you must first understand several things. Running a business is easier said than done. The mere fact that you have the capital cannot guarantee success or even a modest profit. The tasks are endless and it might be overwhelming for a starter. Most businesses fail for the first 3 years. And very few can survive for 10 years or more. What can you do to overcome these? How do you know if a business venture is profitable or not? Are there any available tools that an

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One of the things that kept me thinking before when I was starting as an investor is the Federal Rate. Why is it so important? Why do the whole world of investors look at it too much? And how powerful is Ben Bernanke to control and manipulate it? We can see that a lot of times, if there was a federal rate cut, stocks will go up and rally. What’s in the federal rate cut that makes stock investors happy? And why is the Fed now continuously cuts it reaching record breaking lows of just

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All of us are working to provide for our basic needs - shelter, food, clothes, etc. Some of us also wants a nice house, cars, gadgets, and all other luxuries in life. And what do we need in order to satisfy these needs and wants? - MONEY. In order to provide these needs, we need to regularly save our paychecks so that we can invest in our future. Money may indeed solve these problems of our basic needs because we need it in order to survive but it can also create more problems. The ultra

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As a blogger, I do my blog hops everyday whenever I find the time for it. I had visited a lot of blogs already. Some blogs made me stay to read some of the articles written while some were just a glance with less than a minute of my time spent browsing them. However, very few of them caught my attention and my admiration. Here are some of the blogs that I truly admire in one way or another.   John Chow - As his blog say, “The Miscellaneous Ramblings of a Dot Com

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You are in a business already. You have the products or services to offer. But how do you price your business products or service? We all know that price depends on the law of supply and demand. That is, a strong demand with low supply can command a high price while a strong supply with a low demand can lead to lower prices. In economics, we have to determine the equlibrium price, which is where the supply meets demand. The equilibrium price theoretically should be the price of your products

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Land Banking has been one of the most traditional forms of investments. We all know that real estate is one of the best source of income as it appreciates over time. Personally, I don’t know the term Land Banking until I attended a seminar by the Walton International Group about their business called “Land Banking”. Land Banking is the business of purchasing raw agricultural lands, developing it, and eventually converting its zone from agricultural to residential or

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