For most of us Filipinos, network marketing or multilevel marketing is a new business format that boggles many minds. As a concept, network marketing has been touted as the fastest way to accumulate wealth nowadays. The concept is used to penetrate the market as fast as possible without entailing expensive marketing costs such as marketing and promotions. For the most part, network marketing is spread by word-of-mouth. You most likely have to be invited to join a business orientation or a

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Do you have a small business? Or planning to start one? Definitely you need to know small business budgeting. A budget can help you manage your business. Just as family units live on a budget, a business must also have a budget. You just can’t live without it. An annual budget serves as a guide and a goal for you as an entrepreneur. With a budget, a business owner can determine where the month-to-month performance is headed. Generally, most small business budgets cover the period of the

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Nowadays, because of the global recession, people opt to cut costs on their marketing expenses. We all know the traditional marketing - television commercials, radio broadcasts, and classified ads in broadsheets. But these traditional forms of marketing are too expensive costing hundreds and millions of pesos. If you are a start up company, then definitely you wouldn’t have the marketing budget to splurge in promoting your products and services. I compiled a list of unique marketing

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Are you drowned with debt? Are you having problems in managing your debt? Does it look like that you need to work for the rest of your life just to pay those debts? Well, it’s not too late for you. You must act now not to be burdened by those debts. Of course you want to enjoy the fruits of your labor. You don’t want to end up working just to pay those debts. Here are some personal finance advices for a successful debt management. Control your spending. The ultimate way for managing debt

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I recently watched another video by the famous educator Robert Kiyosaki that tackles about the three types of income. We already know two types of income – the active income and the passive income. Active income is you working for money and passive income is your money working for you. But active income can be further classified into two: Earned Income and Portfolio Income. So what are the differences? You can clearly see the difference when it comes to taxes.   Earned Income – Earned

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Earn more and desire less. These are the words that have utmost importance when you want to achieve financial freedom. No matter how small your income is, if you desire less, definitely you will spend less and you can consider yourself to be “wealthy”. I believe our lifestyle determines whether we will be wealthy and financially free. There are a lot of persons out there who earns a lot but still because of their high lifestyle, however how huge their income is, all are spent and nothing

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Last July 31, I was given the chance to be a resource speaker for the very first financial planning seminar that I conducted. I was at first nervous as this was my very first speaking stint but that nervousness was slowly swallowed as I discussed my topics. It was a success! It was attended by around 50 attendees from our company. I was first introduced as a BS Mathematics graduate from Ateneo de Manila University, mentioned my two former employment background and my feature in Good House

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Are you an on-line gamer? If you are, then definitely you are familiar with the game Ragnarok? But how did Ragnarok start? How did it become as one of the online games that hit it big in the market? What fascinated me is the guerilla marketing that they implemented to market the product. Entrepreneurs are really innovative. They come up with resourceful ideas to make it big without incurring too many expenses. Level Up! is the company behind the successful online game Ragnarok. It was run by

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I’ve been talking a lot about investments here for quite some time. But did you ask yourself, ‘why do you need to invest?’ What’s the reason behind investing? Is it just for the sake of earning more? Yes, possibly that’s one of your reasons. You’ve worked hard for that money. Now, it’s time for that money to work hard for you. One of the main reasons why do you need to invest is to fight an enemy and that enemy I’m referring to is your money’s primary enemy - inflation.

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Bargains are everywhere nowadays especially this time of recession. There are a lot of price drop off because consumers are tightening their budgets to survive the crisis. You can go to your favorite bargain store or you can also shop online through auctions such as EBay. You might just be surprised how many salespeople will drop a price or sweeten the deal to get your business. You just have to ask for them. So I am enlisting some tips to increase your bargaining power to get the item that

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