PGMA OKs release of 13th month pay
Manila Government workers affected by tropical storm Ondoy can avail themselves of the last half of their 13th month pay starting Thursday of October. The first half of the year-end bonus was released in May.
Budget and Management Secretary Rolando Andaya, Jr. said that employees will only need to inform their respective offices to get their check in advance.
President Gloria Macapagal-Arroyo and Vice President Noli De Castro recommended the early release of the 13th month pay for government workers during the last Cabinet meeting at Camp Aguinaldo in Quezon City.
De Castro urged private firms to likewise advance the year-end bonus of their employees.
The Government Service Insurance System (GSIS) will also grant an emergency loan of P20,000 for each qualified member.
Likewise, the Home Development Mutual Fund (Pag-IBIG Fund) has put up windows in all its branches to process calamity loans for members in calamity-hit areas.
Pag-IBIG said loan processing will take one to three days, which will then be credited to their Land Bank accounts. Pag-IBIG will not ask their members for other requirements except the loan application. (PIA)
SOURCE:
Friday, October 2, 2009
Friday, August 28, 2009
5 dumb car shopping moves
NEW YORK (CNNMoney.com) -- If the annual model year change-over - and all the sales that go with it - have you in a car shopping mood, don't be lulled into paying more than you have to. The deep discount you think you're getting may be nothing more than an illusion. Car dealers can make you think you're getting a fantastic deal, and buyers tend to hear what they want. Here's some advice on how to really get the best deal.
Don't: Fall in love with a car
Don't get us wrong here, a new car is a big purchase, so it's important that you really do love your car. If you want to buy a microwave oven just because Consumer Reports recommends it, go ahead. A car, like a home, should make you happy and that's something only you can judge.
american_autos_usa_mustang.03.jpg
But you wouldn't marry someone after just reading their Facebook profile. You'd at least want to go out a few times, right? So don't decide you've got to have that cute new SUV you just read about in a magazine. Calm down, catch your breath and wait. Wait until you can drive it. Wait until you can drive some competing models and get a sense of whether it's really all that terrific.
And you may want to wait until the price comes down. Dealers often tack on premiums, charging more than full sticker price for brand new models they know will be in high demand from day one. So rushing to be the first one on the block with the hottest new model can cost you thousands of dollars.
And that "first with the hot new thing" thing fades quickly. Then there will just be you and that car. And those car loan payments. Hope you still like it.
Don't: Take that long, long, long, long loan
Super long car loans may seem like a painless way to get a new car with low monthly payments. That's certainly the way the salesman will pitch it to you. But here are two things to remember:
First, the bottom line is that you are just, flat out, paying more money. Whether you're paying it in three years or six years, it's just more money. (And a big part of that "more money" is more interest, so it's not even buying you anything.)
Second, it may be painless now, but it won't be painless if you find yourself trading in that car in a few years. If you haven't paid off a big chunk of your loan by that time, you could end up "upside down" in your current car. That means you owe more money than the car is worth.
The car dealer will be only too happy to help you out with that problem, but that just means adding the money you owe into the loan for that next new car. And guess what? That means another long loan and you're stuck again.
Don't: Negotiate trade-in and purchase at the same time
Buying a car is really a series of transactions. Yet buyers tend to subtract what the dealer is giving them for their trade-in from what they're paying for their new car. Then they say: "Hey, I'm getting a $42,000 car for $35,000!"
Actually, those buyers can't take all the blame since that's how the salesman presents it: as if that $7,000 is a gift, and they're just doing you a favor by taking that old car off your hands.
Remember, they're taking something of real value in exchange for that money. And you have the right to get as much as you can for your old car. Don't allow the dealer to tell you what it's worth.
You also have the right to pay as little as you can for your new car. But there's no way you can negotiate both those things effectively if they're attached because you won't be able to see the numbers clearly.
Negotiate the price of the new car first. Get that number down to something you're comfortable with. Then negotiate your trade in and get that number as high as you can, or if you still feel like it's not enough, take the car elsewhere or sell it yourself.
Don't: Negotiate in person
For some reason, buyers still feel like they need to negotiate the price of a new car in person at the dealership. In the old days, that was the only way to do it. If you called a car dealer on the phone, they wouldn't even discuss pricing.
These days, most dealerships have salespeople, or even entire departments, that specialize in dealing with customers over the phone and by email. The old days of not talking to customers who weren't physically in the store are over because a dealer knows that if he doesn't negotiate a price over the phone, someone else will and he'll just lose the sale.
Negotiating over the phone or via email keeps you in your comfort zone - your home or office - not the dealer's showroom. While you're waiting for an answer on your offer, you're not stuck in an uncomfortable chair with nothing to look at but brochures.
Many dealerships now have Web sites where you can even search the vehicle inventory online and request a quote on a specific vehicle. That way you can be sure the vehicle you're negotiating on really has all the features you want.
When the negotiating's done, ask them to fax you the deal in writing so there will be no surprises when you arrive to get your car.
But we're not recommending you avoid dealerships altogether. Before you get down to numbers, you'll want to test drive the vehicles and get a walkaround from a knowledgeable salesperson. Just be clear when you go in that you'll not be purchasing the vehicle that day. You still have some other research you want to do.
Don't: Take a 'great deal' on the outgoing model year
You may be tempted by a steep discount on an outgoing 2007 model year car, but be careful. Remember that the car will ultimately be worth less at trade in time than a 2008 model year car.
That will be much less of an issue if the 2008 model year version is unchanged from 2007. If the 2008 version is all new or substantially changed, though, watch out. Your car will be seen as "old" the minute the new version hits the roads and will take a steep drop in value.
In that situation, only a huge discount will make up the loss. Or, if you just like the old version better, the extra cost may be worth it to you. As long you're aware of what you're getting into. Top of page
Drive your car to death, save $31,000
Buick ties Lexus for No. 1 in car reliability
GM drops Camry, Accord test drive program
SOURCE:
Don't: Fall in love with a car
Don't get us wrong here, a new car is a big purchase, so it's important that you really do love your car. If you want to buy a microwave oven just because Consumer Reports recommends it, go ahead. A car, like a home, should make you happy and that's something only you can judge.
american_autos_usa_mustang.03.jpg
But you wouldn't marry someone after just reading their Facebook profile. You'd at least want to go out a few times, right? So don't decide you've got to have that cute new SUV you just read about in a magazine. Calm down, catch your breath and wait. Wait until you can drive it. Wait until you can drive some competing models and get a sense of whether it's really all that terrific.
And you may want to wait until the price comes down. Dealers often tack on premiums, charging more than full sticker price for brand new models they know will be in high demand from day one. So rushing to be the first one on the block with the hottest new model can cost you thousands of dollars.
And that "first with the hot new thing" thing fades quickly. Then there will just be you and that car. And those car loan payments. Hope you still like it.
Don't: Take that long, long, long, long loan
Super long car loans may seem like a painless way to get a new car with low monthly payments. That's certainly the way the salesman will pitch it to you. But here are two things to remember:
First, the bottom line is that you are just, flat out, paying more money. Whether you're paying it in three years or six years, it's just more money. (And a big part of that "more money" is more interest, so it's not even buying you anything.)
Second, it may be painless now, but it won't be painless if you find yourself trading in that car in a few years. If you haven't paid off a big chunk of your loan by that time, you could end up "upside down" in your current car. That means you owe more money than the car is worth.
The car dealer will be only too happy to help you out with that problem, but that just means adding the money you owe into the loan for that next new car. And guess what? That means another long loan and you're stuck again.
Don't: Negotiate trade-in and purchase at the same time
Buying a car is really a series of transactions. Yet buyers tend to subtract what the dealer is giving them for their trade-in from what they're paying for their new car. Then they say: "Hey, I'm getting a $42,000 car for $35,000!"
Actually, those buyers can't take all the blame since that's how the salesman presents it: as if that $7,000 is a gift, and they're just doing you a favor by taking that old car off your hands.
Remember, they're taking something of real value in exchange for that money. And you have the right to get as much as you can for your old car. Don't allow the dealer to tell you what it's worth.
You also have the right to pay as little as you can for your new car. But there's no way you can negotiate both those things effectively if they're attached because you won't be able to see the numbers clearly.
Negotiate the price of the new car first. Get that number down to something you're comfortable with. Then negotiate your trade in and get that number as high as you can, or if you still feel like it's not enough, take the car elsewhere or sell it yourself.
Don't: Negotiate in person
For some reason, buyers still feel like they need to negotiate the price of a new car in person at the dealership. In the old days, that was the only way to do it. If you called a car dealer on the phone, they wouldn't even discuss pricing.
These days, most dealerships have salespeople, or even entire departments, that specialize in dealing with customers over the phone and by email. The old days of not talking to customers who weren't physically in the store are over because a dealer knows that if he doesn't negotiate a price over the phone, someone else will and he'll just lose the sale.
Negotiating over the phone or via email keeps you in your comfort zone - your home or office - not the dealer's showroom. While you're waiting for an answer on your offer, you're not stuck in an uncomfortable chair with nothing to look at but brochures.
Many dealerships now have Web sites where you can even search the vehicle inventory online and request a quote on a specific vehicle. That way you can be sure the vehicle you're negotiating on really has all the features you want.
When the negotiating's done, ask them to fax you the deal in writing so there will be no surprises when you arrive to get your car.
But we're not recommending you avoid dealerships altogether. Before you get down to numbers, you'll want to test drive the vehicles and get a walkaround from a knowledgeable salesperson. Just be clear when you go in that you'll not be purchasing the vehicle that day. You still have some other research you want to do.
Don't: Take a 'great deal' on the outgoing model year
You may be tempted by a steep discount on an outgoing 2007 model year car, but be careful. Remember that the car will ultimately be worth less at trade in time than a 2008 model year car.
That will be much less of an issue if the 2008 model year version is unchanged from 2007. If the 2008 version is all new or substantially changed, though, watch out. Your car will be seen as "old" the minute the new version hits the roads and will take a steep drop in value.
In that situation, only a huge discount will make up the loss. Or, if you just like the old version better, the extra cost may be worth it to you. As long you're aware of what you're getting into. Top of page
Drive your car to death, save $31,000
Buick ties Lexus for No. 1 in car reliability
GM drops Camry, Accord test drive program
SOURCE:
Wednesday, August 26, 2009
RP expects $900 million in program loans this year
MANILA, Philippines - The government expects $900 million worth of program loans for budgetary support to come in by yearend, National Treasurer Roberto Tan said yesterday.
Tan said a $500-million program loan from the Asian Development Bank (ADB) would come in by September while some $400 million would come in by December.
“The $500-million loan will come in by next month. It will be for budgetary support,” Tan said.
The $400-million loan, meanwhile, will come from the ADB and other multilateral lenders, to be used also for budgetary support.
The government borrows from local and foreign creditors for its budgetary needs.
In the first seven months of the year, the government borrowed less compared to same period in 2008.
Total government borrowings hit P276.23 billion from January to July, lower by P55.56 billion compared to the P331.79 billion the government borrowed a year ago.
Of the total amount, domestic borrowings, which comprised the bulk of government borrowings, amounted to P135.89 billion from January to July, lower than last year’s P285.62 billion.
The government borrows domestically through the issuance of Treasury bills (T-bills) and bonds.
Borrowings from external creditors, on the other hand, more than doubled to P140.34 billion during the seven-month period from only P46.16 billion last year.
Most of the foreign borrowings during the period came from last January’s global bond exchange where the government sold P71.39 billion worth of 10-year securities.
External borrowings comprise of project loans or those with counterpart funding from the government and program loans which pertain to the financial support incorporated in the budget.
Project loans hit P11.57 billion during the seven-month period while program loans hit P21.31 billion.
The government has widened this year’s deficit ceiling to P250 billion or 3.2 percent of gross domestic product (GDP) from the previous program of P199.2 billion or 2.5 percent of GDP as fiscal authorities expect the global financial turmoil to leave a huge dent on state revenues.
The wider shortfall, along with the need to hike expenditures to spur economic activity, will put more pressure on the government to borrow, officials said.
For 2009, the government has programmed to borrow P451.8 billion from the domestic market and P209.1 billion from external sources.
SOURCE:
Tan said a $500-million program loan from the Asian Development Bank (ADB) would come in by September while some $400 million would come in by December.
“The $500-million loan will come in by next month. It will be for budgetary support,” Tan said.
The $400-million loan, meanwhile, will come from the ADB and other multilateral lenders, to be used also for budgetary support.
The government borrows from local and foreign creditors for its budgetary needs.
In the first seven months of the year, the government borrowed less compared to same period in 2008.
Total government borrowings hit P276.23 billion from January to July, lower by P55.56 billion compared to the P331.79 billion the government borrowed a year ago.
Of the total amount, domestic borrowings, which comprised the bulk of government borrowings, amounted to P135.89 billion from January to July, lower than last year’s P285.62 billion.
The government borrows domestically through the issuance of Treasury bills (T-bills) and bonds.
Borrowings from external creditors, on the other hand, more than doubled to P140.34 billion during the seven-month period from only P46.16 billion last year.
Most of the foreign borrowings during the period came from last January’s global bond exchange where the government sold P71.39 billion worth of 10-year securities.
External borrowings comprise of project loans or those with counterpart funding from the government and program loans which pertain to the financial support incorporated in the budget.
Project loans hit P11.57 billion during the seven-month period while program loans hit P21.31 billion.
The government has widened this year’s deficit ceiling to P250 billion or 3.2 percent of gross domestic product (GDP) from the previous program of P199.2 billion or 2.5 percent of GDP as fiscal authorities expect the global financial turmoil to leave a huge dent on state revenues.
The wider shortfall, along with the need to hike expenditures to spur economic activity, will put more pressure on the government to borrow, officials said.
For 2009, the government has programmed to borrow P451.8 billion from the domestic market and P209.1 billion from external sources.
SOURCE:
Sunday, July 26, 2009
S&P may cut private student loan SLM, Nelnet ratings
NEW YORK, July 23 (Reuters) - Standard & Poor's said on Thursday it may cut the ratings of SLM Corp and Nelnet Inc, citing an increased likelihood the private lenders will no longer be able to originate Federal student loans in the coming year.
The rating agency placed the BBB-minus ratings of both SLM (SLM.N) and Nelnet (NNI.N) on CreditWatch negative. It cited a recent vote by the U.S. House of Representatives Education Committee to pass a bill that would eliminate the origination of federal student loans by private lenders by mid-2010.
The bill must still be passed by the full House and Senate, and be signed off by the President.
S&P said it was also concerned SLM's lackluster performance over the past few quarters would continue to be pressured by increasing provisions for its private education loans.
In this year's second-quarter, charge-offs or the writedown of bad debt at SLM, grew to $355 million from the $202 million posted in the first quarter.
"The deterioration in this portfolio highlights the higher-risk nature of these loans, which could become a much greater part of SLM's overall business model once legislation is passed," said S&P.
SLM said student loan volume increased 53 percent to $3.7 billion in the second quarter. The firm said it set aside $362 million for loan losses, up from the first quarter's $297 million, while charge-offs on managed private education loans more than doubled from the first quarter to $355 million.
Pending the results of its analysis, the rating agency said it may downgrade SLM's ratings by one or more notches over the next few quarters.
The rating agency is also in the process of determining Nelnet's future ability to generate income without being able to originate FFELP loans, and the transition risk involved in the elimination of lending under the program.
Its analysis will include a view of the growth potential of Nelnet's fee income businesses and its income generation ability as a servicer of government-originated student loans.
"We are also considering the nature of the ongoing relationship that the company will have with the government as a servicer, as well as the runoff timeframe of the company's current FFELP portfolio," said S&P.
Both SLM and Nelnet as well as two other companies were awarded a contract by the Department of Education in June to service $550 billion of federal student loans. The contracts should help the lenders offset potential revenue losses if the government adopts the proposed law.
Pending the outcome of its analysis, a ratings downgrade of Nelnet is possible in the next few quarters, said S&P. (Reporting by Nancy Leinfuss; Editing by James Dalgleish)
SOURCE:
The rating agency placed the BBB-minus ratings of both SLM (SLM.N) and Nelnet (NNI.N) on CreditWatch negative. It cited a recent vote by the U.S. House of Representatives Education Committee to pass a bill that would eliminate the origination of federal student loans by private lenders by mid-2010.
The bill must still be passed by the full House and Senate, and be signed off by the President.
S&P said it was also concerned SLM's lackluster performance over the past few quarters would continue to be pressured by increasing provisions for its private education loans.
In this year's second-quarter, charge-offs or the writedown of bad debt at SLM, grew to $355 million from the $202 million posted in the first quarter.
"The deterioration in this portfolio highlights the higher-risk nature of these loans, which could become a much greater part of SLM's overall business model once legislation is passed," said S&P.
SLM said student loan volume increased 53 percent to $3.7 billion in the second quarter. The firm said it set aside $362 million for loan losses, up from the first quarter's $297 million, while charge-offs on managed private education loans more than doubled from the first quarter to $355 million.
Pending the results of its analysis, the rating agency said it may downgrade SLM's ratings by one or more notches over the next few quarters.
The rating agency is also in the process of determining Nelnet's future ability to generate income without being able to originate FFELP loans, and the transition risk involved in the elimination of lending under the program.
Its analysis will include a view of the growth potential of Nelnet's fee income businesses and its income generation ability as a servicer of government-originated student loans.
"We are also considering the nature of the ongoing relationship that the company will have with the government as a servicer, as well as the runoff timeframe of the company's current FFELP portfolio," said S&P.
Both SLM and Nelnet as well as two other companies were awarded a contract by the Department of Education in June to service $550 billion of federal student loans. The contracts should help the lenders offset potential revenue losses if the government adopts the proposed law.
Pending the outcome of its analysis, a ratings downgrade of Nelnet is possible in the next few quarters, said S&P. (Reporting by Nancy Leinfuss; Editing by James Dalgleish)
SOURCE:
Tuesday, July 7, 2009
Sunday, July 5, 2009
How does 14-16 hours of full HANDS ON TRAINING on how to create semi-passive income on the internet - sound to you?
You should be at the Manila Internet Marketing Workshop. July 24-25,2009
In the Visayas/Mindanao? There's an Internet Marketing Seminar this July 15-17,2009. Click here for full details.
Not in the Philippines? Try the ONLINE WORKSHOP at http://www.homebasedbusinessphilippines.com to help you create that freedom-giving internet income:
Learn how to...
-Setup a business that can replace your day job
-Setup a business that you can sell someday. like real estate
-Setup a 2nd source of income w/o leaving your day job!
-Deal with Virtual Assistants for the first time-effectively!
-No retirement pay? No problem! Online businesses can be
your retirement income!
-Learn how the internet experts are doing it-even if
you're not that good yourself!
-Setup and use autoresponders
-Sell online w/o knowing how to sell personally
-Set things up automatically so it makes money while you
slumber
-Find and create products that can make income for you.
For Businesses:
-Learn the techniques Pinoy & International Internet
Marketers have used for years!
-Promote your business -online -ahead of your competitors!
-Follow SEO practices from the beginning --even w/o
realizing it!
-Find out where the LATEST keywords can come from
(nope, it's not overture)
-Discover more about your clients w/o asking them.
-Saturate the internet w/o doing the heavy lifting yourself.
Bo Sanchez presents Jomar Hilario in the ...
The Truly Rich Internet Marketing Hands On Workshop
*with 20,000 pesos worth of bonus products that you can use/sell/giveaway
Email manilaworkshop@gmail.com to get your SLOT reserved! Call up Beckie at Tel. (02) 7229562 (Tuesdays-Fridays 9:00 a.m. - 6.00 p.m.)
Venue: GENEX, Farmer's Plaza Mall, Cubao, beside the Cubao MRT (Walk in is discouraged due to the large amount of pre-event activities that are done).
Date: July 24-25,2009, Friday-Sat,
(Friday: 10:30am-5:30pm, Sat: 10:30am-5:30pm)
See what you can benefit from attending this workshop:
BENEFIT 1: Create a way to make money semi-passively on the internet. Blogging with Adsense with Automatic Writing (note: no writing talent required, minimum time spent per month)
How to....
+- Find popular niches in small markets in seconds!
+- Know what other things your market is interested in
aside from your niche.
+- Name your blog so it appears top in search engines
+- Update your blog regularly, even when you're on
vacation or busy doing other things.
+- Keep your blog relevant/current even if you have
no writing talent.
+- Develop your blog's popularity - both quickly and
slowly you can do both - at the same time!
+- Maximize your blog format for high adsense
earnings.
+- Track which niche is making money for you.
+- "Decorate" your blog with items that increase it's
earning potential.
+- Do "link love" for maximum popularity (for your blog).
+- Do all the above in the shortest number of steps
possible.
+- Make blogs that give only a high amount of income
and ignore those niches that pay comparatively little.
+- Make use of other people's blogs to make yours more
popular.
+- Never run out of topics for your blogs.
+- Take charge of your income in blogging - concentrate on
the money earners.
+- Do all of the above ETHICALLY and LEGALLY
BENEFIT 2: Build an online business complete with customers, products and credit card acceptance!
Create an online store, an online newsletter and a client capture website!
How to....
+- Start an online store with one product only and build up to
many
+- Set up a site or email that instantly accepts credit cards -
from the Philippines!
+- Capture client's emails in any site/email you create.
+- Create an automated online newsletter
+- Find stuff to put into your newsletter when you have no
writing talent.
+- Create free offers.
+- Use the very system that the Internet Marketing "Bigboys" are using to create their wealth!
+- Close a sale on the internet
+- Use BENEFIT 1 in creating your product - if you don't have
one.
+- Super charge your existing business so you're on top of your client's needs.
+- Fill up your store/venue when you have an event/promo
sale
+- Get ahead in your business using time tested practices
marketing experts use in your own niche!
BENEFIT 3: Let everybody in your market know all about you.
Internet Promotion, where to do it, do's and don'ts , do it.
How to....
+- Promote in forums, blogs, social networks, event
calendars, etc.
+- Have the correct mindset so you succeed in promotion
+- Synergize your offline and online promotions for
maximum success utilize offline marketing techniques in
your online promotions
+- Be a business owner- when it comes to promoting your
business or service.
BENEFIT 4: Virtual Assistants: Free up your time in the process. There's so much to do, so little time, What do I do?
How to....
+- Avoid doing all this heavy lifting and get your life back
while earning on the side.
+- Find, qualify and deal with virtual assistants (VA) that do
all the work for you
+- How to create digital products just by dealing with these VAs.
Experience Bonus 1:
------------------------------
You'll learn all the above without the technical terms and complicated concepts that sometimes cloud understanding. All you'll learn is practical, doable and instantly usable.
Take Home Bonus:
---------------------------
You take home ALL HANDOUTS and PRESENTATIONS so you can apply what you have learned on your own. All presentations are STEP-BY-STEP and even a grandmother can follow them. P.S. Bring a large capacity USB Thumb Drive for the BONUSES. (400MB)
Requirement:
Must be able to create a new email account. This is no joke. If you have no experience in creating an account - you might have a hard time following - and I suggest you bring along someone who is- to guide you! This requirement involves being able to surf, click, right click, drag, high-light, copy and paste. If you're chuckling because you know these things already - or you're sad because you don't --know that we will be spending time -during the event in training you in these basics.
Goal:
Create a working website that you can use to sell anything.
Promise:
This level of detail has not been available to others at this price before-till now. The value of this workshop is in excess of P 200,000 - if you attend it in the US.
Testimonials:
"Yahoo! I already earned my first $100, after 2 months!" - Dandy, Cebu
"What I liked about the workshop is that the instructions were easy to understand. Anyone with a little bit of basic computer skills will be able to comprehend." Vincent
"(I like the section on) Blogging & adsense...because I don't need to be a good writer to earn semi-passive income."
Ching
"What I like most in the workshop is the opportunity to market globally whatever you want to sell. I want to earn as well ." Mike
"Sulit na Sulit!" Judith
Details:
This is not a TALKING SEMINAR, but a DOING WORKSHOP. You leave the event with a website you can use to sell any product.
Email manilaworkshop@gmail.com to get your SLOT reserved!
Venue: GENEX, Farmer's Plaza Mall, Cubao, beside the Cubao MRT
Date: July 24-25,2009, Friday-Sat,
(Friday: 10:30am-5:30pm, Sat: 10:30am-5:30pm
You only have a few days to decide-there are limited seats! A workshop of THIS level of detail is NOT OFFERED ANYWHERE in the Philippines.
Email Beaconlightevents+blog@gmail.com to reserve your slot before the the limited # of seats run out. It's July 24-25,2009. Yes, it's so good you will say that a day's absence from work will be MORE THAN WORTH IT.
Super Double Guarantee: If you're not able to recover double the fee (P 9750 per person, the special Couples or Business Partners Price is P8750 only per person) to this workshop using what you learned - after one year, we'll refund you plus 1,000 pesos for your trouble!
To avail of this workshop in the US - will cost you P 85,000 - P200,000 - and that's just attendance to a seminar. This workshop is a bargain at P 9750.-!
Email Beaconlightevents+blog@gmail.com to get details on how to reserve your seat now.
Bo Sanchez presents Jomar Hilario
About the Trainor:
Goal: To Make You Truly Rich
Core gift: Teaching and Training
Passion: Sharing his (Technical) knowledge in the simplest way.
Core skills: Presentation, Internet Technology, Marketing
Recent Achievement: Filled up a 10,000 seat venue in 30 days via online marketing. Yes, how this is done will also be shared in the Internet Marketing Workshop.
P.S1. Each person most likely knows someone else who is passionate about earning online. Please do not close this email until you've sent this opportunity to that person. He or she will be thanking you -richly - very very soon.
Oh yes the P 20,000 worth of bonuses is included in his package. This contains Ebooks that you can sell or give away to attract your customers, specially if you don't have a product. There are also programs you can use in your business as well as Informational Ebooks about Internet Marketing.
In the Visayas/Mindanao? There's an Internet Marketing Seminar this July 15-17,2009. Click here for full details.
Not in the Philippines? Try the ONLINE WORKSHOP at http://www.homebasedbusinessphilippines.com to help you create that freedom-giving internet income:
Learn how to...
-Setup a business that can replace your day job
-Setup a business that you can sell someday. like real estate
-Setup a 2nd source of income w/o leaving your day job!
-Deal with Virtual Assistants for the first time-effectively!
-No retirement pay? No problem! Online businesses can be
your retirement income!
-Learn how the internet experts are doing it-even if
you're not that good yourself!
-Setup and use autoresponders
-Sell online w/o knowing how to sell personally
-Set things up automatically so it makes money while you
slumber
-Find and create products that can make income for you.
For Businesses:
-Learn the techniques Pinoy & International Internet
Marketers have used for years!
-Promote your business -online -ahead of your competitors!
-Follow SEO practices from the beginning --even w/o
realizing it!
-Find out where the LATEST keywords can come from
(nope, it's not overture)
-Discover more about your clients w/o asking them.
-Saturate the internet w/o doing the heavy lifting yourself.
Bo Sanchez presents Jomar Hilario in the ...
The Truly Rich Internet Marketing Hands On Workshop
*with 20,000 pesos worth of bonus products that you can use/sell/giveaway
Email manilaworkshop@gmail.com to get your SLOT reserved! Call up Beckie at Tel. (02) 7229562 (Tuesdays-Fridays 9:00 a.m. - 6.00 p.m.)
Venue: GENEX, Farmer's Plaza Mall, Cubao, beside the Cubao MRT (Walk in is discouraged due to the large amount of pre-event activities that are done).
Date: July 24-25,2009, Friday-Sat,
(Friday: 10:30am-5:30pm, Sat: 10:30am-5:30pm)
See what you can benefit from attending this workshop:
BENEFIT 1: Create a way to make money semi-passively on the internet. Blogging with Adsense with Automatic Writing (note: no writing talent required, minimum time spent per month)
How to....
+- Find popular niches in small markets in seconds!
+- Know what other things your market is interested in
aside from your niche.
+- Name your blog so it appears top in search engines
+- Update your blog regularly, even when you're on
vacation or busy doing other things.
+- Keep your blog relevant/current even if you have
no writing talent.
+- Develop your blog's popularity - both quickly and
slowly you can do both - at the same time!
+- Maximize your blog format for high adsense
earnings.
+- Track which niche is making money for you.
+- "Decorate" your blog with items that increase it's
earning potential.
+- Do "link love" for maximum popularity (for your blog).
+- Do all the above in the shortest number of steps
possible.
+- Make blogs that give only a high amount of income
and ignore those niches that pay comparatively little.
+- Make use of other people's blogs to make yours more
popular.
+- Never run out of topics for your blogs.
+- Take charge of your income in blogging - concentrate on
the money earners.
+- Do all of the above ETHICALLY and LEGALLY
BENEFIT 2: Build an online business complete with customers, products and credit card acceptance!
Create an online store, an online newsletter and a client capture website!
How to....
+- Start an online store with one product only and build up to
many
+- Set up a site or email that instantly accepts credit cards -
from the Philippines!
+- Capture client's emails in any site/email you create.
+- Create an automated online newsletter
+- Find stuff to put into your newsletter when you have no
writing talent.
+- Create free offers.
+- Use the very system that the Internet Marketing "Bigboys" are using to create their wealth!
+- Close a sale on the internet
+- Use BENEFIT 1 in creating your product - if you don't have
one.
+- Super charge your existing business so you're on top of your client's needs.
+- Fill up your store/venue when you have an event/promo
sale
+- Get ahead in your business using time tested practices
marketing experts use in your own niche!
BENEFIT 3: Let everybody in your market know all about you.
Internet Promotion, where to do it, do's and don'ts , do it.
How to....
+- Promote in forums, blogs, social networks, event
calendars, etc.
+- Have the correct mindset so you succeed in promotion
+- Synergize your offline and online promotions for
maximum success utilize offline marketing techniques in
your online promotions
+- Be a business owner- when it comes to promoting your
business or service.
BENEFIT 4: Virtual Assistants: Free up your time in the process. There's so much to do, so little time, What do I do?
How to....
+- Avoid doing all this heavy lifting and get your life back
while earning on the side.
+- Find, qualify and deal with virtual assistants (VA) that do
all the work for you
+- How to create digital products just by dealing with these VAs.
Experience Bonus 1:
------------------------------
You'll learn all the above without the technical terms and complicated concepts that sometimes cloud understanding. All you'll learn is practical, doable and instantly usable.
Take Home Bonus:
---------------------------
You take home ALL HANDOUTS and PRESENTATIONS so you can apply what you have learned on your own. All presentations are STEP-BY-STEP and even a grandmother can follow them. P.S. Bring a large capacity USB Thumb Drive for the BONUSES. (400MB)
Requirement:
Must be able to create a new email account. This is no joke. If you have no experience in creating an account - you might have a hard time following - and I suggest you bring along someone who is- to guide you! This requirement involves being able to surf, click, right click, drag, high-light, copy and paste. If you're chuckling because you know these things already - or you're sad because you don't --know that we will be spending time -during the event in training you in these basics.
Goal:
Create a working website that you can use to sell anything.
Promise:
This level of detail has not been available to others at this price before-till now. The value of this workshop is in excess of P 200,000 - if you attend it in the US.
Testimonials:
"Yahoo! I already earned my first $100, after 2 months!" - Dandy, Cebu
"What I liked about the workshop is that the instructions were easy to understand. Anyone with a little bit of basic computer skills will be able to comprehend." Vincent
"(I like the section on) Blogging & adsense...because I don't need to be a good writer to earn semi-passive income."
Ching
"What I like most in the workshop is the opportunity to market globally whatever you want to sell. I want to earn as well ." Mike
"Sulit na Sulit!" Judith
Details:
This is not a TALKING SEMINAR, but a DOING WORKSHOP. You leave the event with a website you can use to sell any product.
Email manilaworkshop@gmail.com to get your SLOT reserved!
Venue: GENEX, Farmer's Plaza Mall, Cubao, beside the Cubao MRT
Date: July 24-25,2009, Friday-Sat,
(Friday: 10:30am-5:30pm, Sat: 10:30am-5:30pm
You only have a few days to decide-there are limited seats! A workshop of THIS level of detail is NOT OFFERED ANYWHERE in the Philippines.
Email Beaconlightevents+blog@gmail.com to reserve your slot before the the limited # of seats run out. It's July 24-25,2009. Yes, it's so good you will say that a day's absence from work will be MORE THAN WORTH IT.
Super Double Guarantee: If you're not able to recover double the fee (P 9750 per person, the special Couples or Business Partners Price is P8750 only per person) to this workshop using what you learned - after one year, we'll refund you plus 1,000 pesos for your trouble!
To avail of this workshop in the US - will cost you P 85,000 - P200,000 - and that's just attendance to a seminar. This workshop is a bargain at P 9750.-!
Email Beaconlightevents+blog@gmail.com to get details on how to reserve your seat now.
Bo Sanchez presents Jomar Hilario
About the Trainor:
Goal: To Make You Truly Rich
Core gift: Teaching and Training
Passion: Sharing his (Technical) knowledge in the simplest way.
Core skills: Presentation, Internet Technology, Marketing
Recent Achievement: Filled up a 10,000 seat venue in 30 days via online marketing. Yes, how this is done will also be shared in the Internet Marketing Workshop.
P.S1. Each person most likely knows someone else who is passionate about earning online. Please do not close this email until you've sent this opportunity to that person. He or she will be thanking you -richly - very very soon.
Oh yes the P 20,000 worth of bonuses is included in his package. This contains Ebooks that you can sell or give away to attract your customers, specially if you don't have a product. There are also programs you can use in your business as well as Informational Ebooks about Internet Marketing.
Saturday, July 4, 2009
Why I think PayDotCom is the Best Affiliate Marketplace on the Net!
Hi
Neal Vryan here...
If you are familiar with Clickbank.com (R), or even if you are not but you want to make profits online, then you will want to check this out ASAP ...
While I like Clickbank, and they are a great marketplace... they are limited to many restrictions to sell products or earn affiliate commissions...
Well, there is a GREAT NEW SERVICE now...
It is a new FREE marketplace where you can sell any product you want.
Yours OWN product...
- OR - (the best part)
You can become an INSTANT Affiliate for ANY item in their HUGE marketplace.
It is called PayDotCom.com!
Did I mention it is 100% FREE to Join!
This site is going to KILL all other marketplaces and I by now, almost EVERY SINGLE SERIOUS online marketer has an account with PayDotCom.com
So get yours now and see how much they offer...
OH! - Also, they have their won affiliate program now that pays you COLD HARD cash just for sharing the site with people like I am doing with you...
They give you cool tools like BLOG WIDGETS, and they even have an advertising program to help you get traffic to your site.
If you want an ARMY of affiliates to sell your products for you, they also allow you to have Free placement in their marketplace!
Even better... If your product becomes one of the Top 25 products in its category in the marketplace (not that hard to do)...
...then you will get Free advertising on the Blog Widget which is syndicated on THOUSANDS of sites World Wide and get Millions of impressions per month.
So, what are you waiting for...
PayDotCom.com ROCKS!
Get your FREE account now...
http://paydotcom.net/?affiliate=598323
Thanks,
Neal Vryan
P.S. - Make sure to get your Account NOW while it is Free to join, and start Selling products online now.
Neal Vryan here...
If you are familiar with Clickbank.com (R), or even if you are not but you want to make profits online, then you will want to check this out ASAP ...
While I like Clickbank, and they are a great marketplace... they are limited to many restrictions to sell products or earn affiliate commissions...
Well, there is a GREAT NEW SERVICE now...
It is a new FREE marketplace where you can sell any product you want.
Yours OWN product...
- OR - (the best part)
You can become an INSTANT Affiliate for ANY item in their HUGE marketplace.
It is called PayDotCom.com!
Did I mention it is 100% FREE to Join!
This site is going to KILL all other marketplaces and I by now, almost EVERY SINGLE SERIOUS online marketer has an account with PayDotCom.com
So get yours now and see how much they offer...
OH! - Also, they have their won affiliate program now that pays you COLD HARD cash just for sharing the site with people like I am doing with you...
They give you cool tools like BLOG WIDGETS, and they even have an advertising program to help you get traffic to your site.
If you want an ARMY of affiliates to sell your products for you, they also allow you to have Free placement in their marketplace!
Even better... If your product becomes one of the Top 25 products in its category in the marketplace (not that hard to do)...
...then you will get Free advertising on the Blog Widget which is syndicated on THOUSANDS of sites World Wide and get Millions of impressions per month.
So, what are you waiting for...
PayDotCom.com ROCKS!
Get your FREE account now...
http://paydotcom.net/?affiliate=598323
Thanks,
Neal Vryan
P.S. - Make sure to get your Account NOW while it is Free to join, and start Selling products online now.
Wednesday, July 1, 2009
State's credit union mortgage lending increases significantly in 10 years
Mortgage lending at Washington state’s credit unions in the last 10 years has increased 313 percent, according the National Credit Union Administration.
The state’s credit unions made more than $10.5 billion in mortgage loans during the first quarter of the year, compared with $3.3 billion 10 years earlier.
The past 10 years also have jumps in car loans and savings deposits, reported the Washington Credit Union League.
There are about 2.6 million credit union members in the state.
Do they have track records with people having usa credit?
Source
The state’s credit unions made more than $10.5 billion in mortgage loans during the first quarter of the year, compared with $3.3 billion 10 years earlier.
The past 10 years also have jumps in car loans and savings deposits, reported the Washington Credit Union League.
There are about 2.6 million credit union members in the state.
Do they have track records with people having usa credit?
Source
Tuesday, June 30, 2009
Fast Cash Till Your Next Payday
Loans until payday are instant short term financial help designed for people who are in need of urgent cash for temporary requirements. These loans are specially meant for the salaried borrowers. With these loans, the salaried borrowers can easily avail extra cash to cover the additional expenses beyond their monthly budget.
No collateral is required to be pledged to apply for these loans. Plus, no faxing of documents and credit checks are done for the approval. All these aspects of this loan help in getting hold of funds within hours of application. Through this loan you can get access to money when you need it the most. An amount ranging from £100 to £1,500 can be availed through this loan with repayment tenure of one month. Without any restriction you can make use of the money for any purpose.
Loans until payday are available to all the applicants. Even if you may be facing adverse credit problems such as CCJ's, bankruptcy, defaults, and IVA's you can apply for this loan without a second thought. However, there are certain requirements that a borrower is required to meet to apply for this loan. He must be above the age of 18, have an active checking account and earn a monthly fixed income.
You can easily find loans until payday online. To apply for it you will just have to fill in an online application form and submit it to the lenders. Right after the approval, the loan amount will be directly wired to your active checking account.
Cash until payday enable you to bridge the gap between two consecutive paydays. It is an ideal short term financial solution for the borrowers who are in need of urgent cash. So, get online, apply for this loan and shove away your financial woes right away!
I have tried having a collateral loan but would it be ok to get loan where they offer non collateral loans and get their approval?
Source
No collateral is required to be pledged to apply for these loans. Plus, no faxing of documents and credit checks are done for the approval. All these aspects of this loan help in getting hold of funds within hours of application. Through this loan you can get access to money when you need it the most. An amount ranging from £100 to £1,500 can be availed through this loan with repayment tenure of one month. Without any restriction you can make use of the money for any purpose.
Loans until payday are available to all the applicants. Even if you may be facing adverse credit problems such as CCJ's, bankruptcy, defaults, and IVA's you can apply for this loan without a second thought. However, there are certain requirements that a borrower is required to meet to apply for this loan. He must be above the age of 18, have an active checking account and earn a monthly fixed income.
You can easily find loans until payday online. To apply for it you will just have to fill in an online application form and submit it to the lenders. Right after the approval, the loan amount will be directly wired to your active checking account.
Cash until payday enable you to bridge the gap between two consecutive paydays. It is an ideal short term financial solution for the borrowers who are in need of urgent cash. So, get online, apply for this loan and shove away your financial woes right away!
I have tried having a collateral loan but would it be ok to get loan where they offer non collateral loans and get their approval?
Source
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