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Mutual Funds 2009 and Mutual Funds 2010

Buy Mutual Funds now!

As we all know, mutual funds are funds that are managed by an investment company with the financial objective of generating high rate of returns. An investment management company collects money from the investors and invests the money in stocks, bonds and other financial securities in a diversified manner. Stock investing has become increasingly difficult, as turmoil invades our stock market and our economic outlook continues to be poor. According to research and study, there are 7 best mutual funds to invest in 2009 and beyond, based on their performance, stability, and income of hundreds of top-rated funds. There are also factors that were considered through the research, which will be discussed below.

Three factors were considered while rating the 7 best mutual funds 2009 and these are the following: Read more…

Try Email Marketing To Get Leads

Do you consider yourself as an internet marketer? Do you have an online business or do you provide internet marketing strategies to your clients? Do you know the importance of business market research? How long are you getting leads to your products and services and where you get them? Certainly, you can possibly achieve want you want for in your online marketing strategy if you have a series of business plans set ahead.

If getting leads or prospects is your problem, then you can try one strategy called email marketing. You might be thinking on the word “spamming” but it is not it. This is done by making an end-setting offer to your possible leads. You have to make an effort to persuade your leads to buy or patronize your products and services you provide. If it appeals that it is something they are getting for free or without spending a dime on what you have, the more chances they will bite that piece of cheese you offer. It is not a trap but it is one good thing to introduce what you have in there and how it could benefit them. It is basically knowing your target market. The best things in life are FREE! And people would cling to anything that is FREE!

One thing you have to feel in doing business plans is knowing the business-to-business market in the kind of industry you are in. For example if you are providing health and wellness services to your clients, you can either have promote or make ties to other market related to your business like health product companies, clinics, spa and fitness centers, etc.

Creating a good email capture strategy can be done through sign-ups to your site, referrals, online searches, or people who share the same interest who just stumbled to your site. Therefore, you have to set good site marketing strategy to keep more visitors coming to your site. If you need to hire an SEO expert, then do it. Once you get what you want, they you can definitely start with your email marketing through free offers you are giving. What are examples of these? It could be instructional cds or dvds, gift certificates, online chats, webinars, forum links, interactive videos, free reports, newsletters, e-books, complementary products and etc. Offers like these are appealing and it could sure drive more leads to your site. And we that, greater chance to achieve the number you desire for your target market.

Paid To Blog: New Online Income

People are so lucky today that with the presence of the internet, a lot of income opportunities await those who work at the convenience of their computers at home. Simply because there are many lucrative ways to be done online and those who prefer working at home like me!

To those who are new or still learning the world of blogging, it will be a good jumpstart for you to know how blogging will help you in terms of monetary aid. Getting paid to blog is one eye-opener for those who own blogs or websites. The opportunity to express your opinions or views on stuff that you want to talk or share about online is a milestone for many when in the old time we just have our own personal diaries to record events or memes day by day. But if you get paid with your hobby of writing is totally a lot interesting and most of all, fun!

Blog marketing is indeed very easy now with blogadvertisingstore.com. They open new and better horizons to bloggers and aspiring writers. They try to make it very easy for both advertisers who need the services of bloggers. You get the convenience on the things that you need. And it is a sure pay! Satisfaction guaranteed on both parties. All you need to do is have a blog. Put good content to it and learn to drive traffic to it so many will also read or see you blog. That is very important to get more paid writing opportunities from blogadvertisingstore.com.

Voicing out your own opinions or topics that interest you through your blogs is one form of expressing your views and points. If you are share something online, it will be a great avenue for a lot of people to read what you have in mind and know what you are feeling.

This new paid to blog opportunity is a great help for a lot of people who are staying at home and doing work-at-home jobs. This is legit and sure way of online income. Hope this help a lot to you.

FOREX Trading for Pinoys

A few days before the month of October ends, I opened a “mini” account with Millennium Penata Futures of $1000, that’s around, Php 50k thru a friend broker. I had been practicing and learning the basics of FOREX trading as well as its terminologies thru a demo account.

So far, I know, that FOREX has a very volatile and liquid market and we all know, it’s risky. Some say, it’s better than stocks. Partly, true! High returns or profitability are possible but it may lead to greater losses if your strategy will go against you. Hmmm… learning the basics is what I recommend. Don’t rush on profitability. Think of it, it’s in dollars! A profit of $20 in a day is enough for me as a newbie but it’s not only limited to it, it could be more!

Capital to Invest?

FOREX trading for Pinoys might be known to only a few. It’s because, it’s the game then of the “BIG” guys! The richest of the rich, banks institutions and international marketers! With the availability of the internet, many companies into FOREX are opening its doors to online FOREX trading. One of them is Millennium Penata Futures based in Indonesia. To start an account with them, you could either choose to open a regular account ( $10,000 or Php 500,000) or if you don’t have that enough cash just like me, go to open a mini account ($1000 or Php 50,000). I can refer you to my friend broker to give you a sampler or demo account so you would know how FOREX trading would go just to familiarize on how to work with it.

Initial Profit:

So far, the highest profit I took in just days after trading in FOREX is $396! You may use a converter if you want to know the peso value of it! That’s almost half of $1000 that I invested!

How to take profit?

Aside from the initial capital or investment to start with, you have to open a dollar account in your nearest local bank. I recommend BDO, as they offer $200 to open a dollar account (this account doesn’t earn any interest). Other banks, may require you a deposit of $500 (dollar account that would earn an interest). Why you need one? You can only withdraw you profits from you FOREX through a dollar account as it is based in dollars! Definitely, a simple and quick transfer to your dollar account. Voila, you have the money now!

I will discuss my FOREX Trading ventures soon in my next entries! So visit this site always!

Google Adsense Earnings

Do you still doubt that you could earn money online (internet)? Heard of Google Adsense but is so skeptical or just so hopeless with it? That’s what I’m thinking for about 2 yrs and 6 months! Well, not now, just received my first google adsense payout thru Western Union. Finally, I can say that it’s true!

Thanks to google for such great advertising and publishing program. This is one passive income that anyone can have! I know, there are many out there who are earning big bucks thru google adsense, they are just so lucky enough to be receiving every month with thousands of cash or even becoming an instant millionaire-passive income.

What is Adsense?

AdSense is an ad serving application run by Google Inc. Website owners can enroll in this program to enable text, image, and more recently, video advertisements on their websites. These advertisements are administered by Google and generate revenue on either a per-click or per-impression basis. Google beta tested a cost-per-action service, but discontinued it in October 2008 in favor of a DoubleClick offering (also owned by Google).- Wikipedia

How it Works?

• The webmaster inserts the AdSense JavaScript code into a webpage.
• Each time this page is visited, the JavaScript code uses inlined JSON to display content fetched from Google’s servers.
• For contextual advertisements, Google’s servers use a cache of the page to determine a set of high-value keywords. If keywords have been cached already, advertisements are served for those keywords based on the AdWords bidding system. (More details are described in the AdSense patent.)
• For site-targeted advertisements, the advertiser chooses the page(s) on which to display advertisements, and pays based on cost per mille (CPM), or the price advertisers choose to pay for every thousand advertisements displayed.[9][10]
• For referrals, Google adds money to the advertiser’s account when visitors either download the referred software or subscribe to the referred service.[11] The referral program was retired in August 2008.[12]
• Search advertisements are added to the list of results after the visitor performs a search.
• Because the JavaScript is sent to the Web browser when the page is requested, it is possible for other website owners to copy the JavaScript code into their own webpages. To protect against this type of fraud, AdSense customers can specify the pages on which advertisements should be shown. AdSense then ignores clicks from pages other than those specified.

-wikipedia

What niche to target?

Personally, on my observation, it’s best that your site caters to a certain niche. Example: sites dedicated solely about money, credit, cars, travels and hotels, food, celebrities, religion, gadgets, book reviews, etc. It has something to do with relevant contents that you publish in your site. Some niches mentioned above might generate high-paying ads.

So far, sites with contents related to financials, health, cars and credit cards have high cost per click ads. Of course, it’s important that your site has high traffic or the number of visitors that might stumble or be directed to your site. The many visitors/readers, the greater chance that they will click on our google ads with related topics on what they search online. It’s good to maintain a good content and utilization of certain keywords.

How to utilize keywords?

If you have travel a site, you may explore the use of keywords related to it such as travel, tours, hotels, hostel, trip, vacation, flight, tourist, destination, etc. Many people are searching these terms in google.
You have to observe on what they call Keyword density. This means the many times you use the keyword in your article. It’s computed by dividing the total number of keyword used over the total number of words in the article. It is recommended that you maintain a 3% keyword density. Example, the word: travel. It should appear thrice (3x) in article of 100 words.

It’s suggested that the word may appear in the first sentence of your paragraph, anywhere in your middle paragraph, and in the last sentence of your last paragraph. Basically, just fairly distributing the keyword all throughout the article.

This is just one of the many Search Engine Optimization (SEO) techniques in making use of google adsense. Just simply have your own site on a particular niche. Learn the basic of adsense and it’s techniques. Voila! You have now your own passive income online thru google adsense. Will be discussing more on SEO and adsense tips and secrets to be shared to you. Good luck!

-Bullish Trader

Mutual Fund

We collated and researched online on the different definitions of Mutual Fund. Here:

What is a Mutual Fund?

A mutual fund is a professionally managed type of collective investment scheme that pools money from many investors and invests it in stocks, bonds, short-term money market instruments, and/or other securities.^[1] The mutual fund will have a fund manager that trades the pooled money on a regular basis. The net proceeds or losses are then typically distributed to the investors annually

- Wikipedia

***

A mutual fund collectively pools money from individual and corporate investors. These funds are managed by a professional fund manager who invests the money in stocks, bonds, money market instruments, and/or other securities. The mutual fund earns in two ways: from the capital gain (increase in value) of the security and dividend or interest income. These proceeds, net of whatever charges and expenses, are passed along to the shareholders. The value of a share of the mutual fund, called the Net Asset Value (NAV), is calculated daily based on the fund’s total value divided by the total number of outstanding shares.

There are mainly four types of mutual funds in the Philippines: stock (or equity), bond, balanced, and money market.

-Pinoymonetalk.com

***

Mutual funds are similar to UITFs or Unit Investment Trust Funds, to make investment much simpler, more accessible, and more cost effective for small investors.

The sale and trading of mutual funds, stocks, and bonds is regulated by the Securities and Exchange Commission (SEC), a government agency that protects investors from fraud and theft. However, the value of your investment in a mutual fund (or an individual stock or bond) is not guaranteed by the SEC or by any other government institution.You can lose money on a mutual fund investment — in an extreme case, even all your money. However, the safety track record of most mutual funds is quite good.

-Investingpinoy.com

Advantages in Investing in a Mutual Fund

Mutual funds provide a combination of benefits to investors which cannot be matched by other investment instruments. These advantages are as follows:

Professional Management

Full-time professional managers are the ones who manage the mutual funds. Their job is to analyze the various investment products available in the market and select those that would give the best possible returns to the fund and its shareholders.

Low Capital Requirement

A minimum investment of Php1,000 to Php5,000 is enough to start with. Most mutual funds in the Philippines require a minimum initial investment amount of only Php5,000.00 and minimum additional investments of Php1,000.00.

Diversification

There is a saying that goes, “Do not put all your eggs in one basket.” This adage is especially true in the world of investments which is full of uncertainties. There is no such thing as a “sure” thing. Diversification is the key to manage risk. When people invest in a mutual fund, they achieve instant diversification because the fund is usually invested in a wide array of securities.

Liquidity

Liquidity is the ability to readily convert investments into cash. While the law provides that redemption proceeds must be given within seven (7) banking days from the date of the redemption request, most funds are able to pay the redemption proceeds within a day. Mutual funds are, therefore, considered very liquid investments.

Safety

Mutual funds are highly regulated by the Securities and Exchange Commission under the Investment Company Act and its implementing rules. They are prohibited from investing in particular investment products and engaging in certain transactions (this is discussed in greater detail in a latter section). All of the fund’s assets must be held by a custodian bank for a safekeeping.

Potential Higher Returns

Because a mutual fund is managed as a single portfolio, it is able to take advantage of certain economies of scale. For instance, with its millions under management, it can negotiate for lower stockbrokerage fees or command higher interest rates on fixed-income investments. In the end, however, it is still the investment adviser who really makes the big difference between making direct investments and investing in mutual funds because very few individual investors can match the experience and skill of full-time professional fund managers.

Convenience

In other countries, mutual funds can be purchased directly from a funds or through a broker, financial planner, bank or insurance agent, by mail, over the phone and increasingly over the internet. The popularity of mutual funds in the Philippines is fast catching up. It may be a matter of time for this level of convenience to be a reality in the country. Funds also offer a variety of other services, including monthly or quarterly account statements, tax information, and 24-hour phone and computer access to fund and account information.

-Pinoysmartsavers.com

Our Mutual Fund

Our current mutual fund is Philequity. Why? We made researches and it’s so far one of the best mutual fund to invest in the Philippines. It got lots of awards and recognitions in the financial field and as an investor of Philequity, I’m in deed very satisfied with it.

You may visit PSE for the list of mutual funds you might want. As an advice, know the company first, before putting your money in it.

-thegetwealthy.com

LINKS:

Wikipedia

Pinoymoneytalk.com

Investingpinoy.com

Pinoysmartsavers.com

GetWealthyIn

PhilEquity

Where To Invest Your Money

When I first engaged myself in the world of stock market, I have lots of questions and apprehensions. That’s when I tagged myself as a “newbie”. Certainly, I’ve been wanting to know how to trade and invest money thru stocks when I was in the university but never get the chance to have a hands-on training or sit with a stock market expert.

I learned much on financial education and how money works for me just early this year, 2009 when I joined the great people at International Marketing Group (IMG). This is the time I know that financial security is a priority for everyone. Hence, I came to value the worth of my money, investing it to where it could earn double or triple or more. That’s money working hard for me!

Confuse on where to invest your money where it could earn more at bigger interest rate still an issue? No worries, I will share my experiences in where I invested my money.

Point 1

First to consider is to secure yourself, which is, SAVING for your future. It is important that you have LONG-Term Healthcare, Life Insurance, and Investment. Just these three!

*Healthcare – the very basic and first to secure. Why? To get sick is really expensive. People who don’t have healthcare but have lots of money in the bank will just exhaust their savings just to pay for their medical expenses. You don’t want to touch your savings or income right? Then get a healthcare program that will pay your hospital bills and medicare if the need arises. Philhealth is not just enough (for Pinoys). Your savings are still intact if you get your own personal healthcare!

*Life Insurance- if you’re the breadwinner of the family and in the event that you lose your job or death cut your life short, the family you left behind could still continue their living as Life Insurance companies will give the coverage benefits to them. Or when you get disabled and you can’t function doing your normal job, life insurance will support you to start a new life! So get one!

*Investment- if you have extra money, then you could start to look for something new to start to grow your money. You may want to acquire solid assets like houses, cars, business, etc. Or you may participate in the Stock Market where you could earn high returns of your money but also with high risk! But risk is manageable if you know how to deal and play with it which is easy to learn. For first timers, investing in Mutual Fund is advisable.

Yes! I got those three on the second quarter of the year. How? When I joined IMG, they have a business partner that caters to the three above. It’s an all-in-one program! I’m positive in getting the Kaiser Premium Health Builder. This is my SECURED investment/long-term investment. It’s giving me back a fix 10% annual compounded interest for 10 years or more. SECURED? Money put in this program is placed in stock bonds and other securities and is managed by professionals.

Note: Returns that yield a rate of interest from 12% below is a SECURED investment. Anything beyond that is a Risky one!

Point 2

The next thing I took advantage of is putting my money in Mutual Funds. If interested in joining the stock market but with no experience at all, mutual fund is what I recommend that you engage in.

Mutual fund is a professionally managed type of collective investment scheme that pools money from many investors and invests it in stocks, bonds, short-term money market instruments, and/or other securities. The mutual fund will have a fund manager that trades the pooled money on a regular basis. The net proceeds or losses are then typically distributed to the investors annually-Wikipedia.

My mutual fund at the moment is PhilEquity. It is the Philippine’s best performing equity fund in a 10-year, 5-year, 3-year category. Now, make your winning investment today!

Point 3

Having quite an ample of knowledge on financial education. I started to actively participate in the stock market. I have 2 mentors, friends and online buddies (forums) who helped me in how to deal with the stock market! I say, it’s addictive!

Investing in the stock market involves risk. Why? It’s giving you high return of your money! 12% more, even 100% , 200% and even more than that! That’s why it’s risky! Your loss might be equivalent to that rate. But in any market condition, it’s guaranteed that you will be earning! It’s just how you play it.

To date, I already earned 45% return of my stock investment in the span of 2 months. I was able to play around with Megaworld’s (MEG) stocks and yeah, profit-taking is done! Will be divulging information on stock trading in my next post!

RULE in Stock Market Trading: Buy LOW, Sell HIGH!

Links:

International Marketing Group (IMG)

Kaiser Premium Health Builder

Mutual Fund

PhilEquity

Online Stock Trading Steps

Are you interested in how to participate in the stock market in the Philippines but don’t know how to start? Do you have a hard time contacting brokers? Well, you could always do stock trading and investing online! Let me give you some baby steps to the local Stock Market i.e., the Philippine Stocks Exchange.

How to Start In Online Stock Trading:

1. 1. Open an online account thru CITISEC or BPI Trade. In my case, I have BPI Trade but it’s good to have both. Simply fill-up the online registration form (BPI Trade) and PRINT it after. Please double check your information that they are correct before printing.
   2. The instructions are stated in their site but for your convenience, you have to photocopy 2 Valid IDs (front and back). Example: GSIS, SSS, Passport, Voter’s ID, Driver’s License, Company ID, PRC ID, etc.
   3. You must have an existing BPI Account whether ATM/Savings. If you don’t have yet, open one at your nearest BPI bank in your area.
   4. Submit the photocopied IDs and the printed BPI TRADE registration form to the BPI branch where you opened your ATM/Savings account and tell the Customer Rep that you want to submit the requirements for BPI TRADE (online stock).
   5. You will have to wait for about 5 to 7 business days for your BPI Trade account processing. They will also send you an email on the progress of your account processing within the duration. So, please check you email regularly.

Voila! That’s how you get started in online stock trading thru BPI Trade.

Now, you have the account set-up already, what to do next?

1. Once you have the username and password initially given to you by BPI Trade, you will be given a simple instruction to change your password but not your username. So please do remember the username and password when you registered to avoid such mess.
2. First time to view the BPI Trade page? No worry, there’s an online tour HERE.
3. Let me elaborate the tabs:

• * Market Info- it displays the real-time market condition and that you could also refer it to PSE.
  * Stock Info- it is where you check the current real-time information of the stock of your choice. Just fill-in the stock symbol in the tab. It will display the current price and all necessary information.
  * Quote Page- it displays your ten favorite stocks with their real-time information.
  * Time & Sales- it displays the real time buying and selling transactions of your stock choice.
  * Most Active- it displays the most active stocks in the Philippine Stock Exchange.
  * Top Gain/Lose- it displays the top gainer/loser stocks real-time.

4. At the side tab:

* Stocks (under trading)- this is where you buy and sell a particular stock of your choice. Just fill in the stock symbol, the number of shares you want to buy or sell (if you have bought some shares already) and of course the price you are willing to buy or sell.

Note: You have to make sure to put funds to your BPI trade account before you could make any transaction.

* You could deposit your money for your BPI Trade account thru over-the-counter to any BPI Branch or you may do an online transfer from your online BPI ATM/Savings account direct to your BPI Trade account for convenience.
* In case you sold your stocks, proceeds/sales will be credited to your BPI Trade account but you have to transfer it to your BPI ATM/Savings account thru online transfer only so you could withdraw it. You can’t withdraw the funds in your BPI Trade account. It has to be transferred.

Hope this helps!!! Good Luck to your online stock trading experience!