1.   Prioritizing – Know how to priorities. The two key principle in prioritizing are:

a.      Importance – How important is it for you to have or to make things happen?

b.      Impact – What is the impact if you make this happen? How does it affect if things will never happen?

Example:  

Event	Importance	Impact	Remarks
Business meeting	1*	2*	2nd priority
Daughter admit to the hospital	1	1	1st priority

                  Note:  It depends on you what’s important to you. For me family is the most important.

                             Rating – 1 high; 2 – medium

2.  Budgeting – List down all your expenses. Monitor you spending habit. This will give you an idea where your money went & you can cut those expenses that are less important. You can download an app in Play-store like money manager to track down your daily expenses. Tips: before going to grocery store take a photo of your refrigerator to have an idea what you only need to buy.

3. Saving - The rule of thumb in saving is “Pay yourself first”. Apply the 70-30 rule. This is how it goes:     

INCOME	SAVE	BUDGET
100%	30%	70%

                     Note: 30% savings can be divided into three:

                             1.    Emergency fund – 10%

                             2.    Invest – 10%

                             3.    Tithing – 10%

4.  Investing - Learn on how to grow your money on investment vehicle like Stocks, Mutual Funds, Bonds, Real Estate & VUL.  Did you know that you only need P1,500 per month for you to start investing in stock market and become shareholder of Jollibee, SM, Ayala, 7-eleven, PLDT etc.

5.   Bargaining – Learn how to negotiate. You can take advantage on discounts or as regular customer to make “tawad” on your purchases particularly on public market.

Master these skills for you to achieve financial freedom. For guidance on how to start the correct way to save & invest just send me your details: name, contact number & email address for free financial planning & coaching.

Email me: jgantiporta@gmail.com

Fb page: https://www.facebook.com/Julsantiporta

The difference between VUL vs. Mutual Fund

A lot of people would like to invest in stock market but doesn’t have an idea how to start with it. Many have asked what VUL & Mutual is all about. What are their differences? Which is better among the two?

The two are the same as investment vehicle. They are also pooled funds in which you can either win or lose money depending on the performance of the fund and stock market. 

Mutual Fund (MF) – according to Investopedia it is an investment vehicle made up of a pool of money collected from many investors for the purpose of investing in securities such as stocks, bonds, money market & other assets which is managed by fund manager experts

Investors becomes a shareholder of the mutual fund company thus he/she could also have a voting power in the corporation depending on his/her number of shares. The investor can earn or lose money according to the fund’s performance

They are offered by Mutual fund companies like Sun life Financial, Philam Asset Management and many others including bank like BPI.

On the other hand,

VUL – ‘Variable Universal Life Insurance’ – according to Investopedia is a permanent life policy + built-in investment program. The plan allows for the investment of the cash value. In short, it is an investment + insurance. The investor is insured therefore his/her beneficiaries will get the money when he passed away.

Investment grows faster than in a traditional savings account. It is suitable for Millenials because it doesn’t require big amount of money to start. Some funds only require Php 1,800/monthly as initial investment. 

Company like FWD, Pru Life UK, Sun Financial & AXA offers this investment vehicle.

Who regulate this investment?

Mutual Fund - Securities and Exchange Commission 

VUL - Insurance Commission

How much money do I need to get started?

Mutual Fund – a minimum investment of Php 5,000 in Col financial. In other broker or company, an initial investment of Php 10,000 depending also to the value of the fund. To get started, talk to a licensed mutual fund advisor or fund manager.

VUL – At a minimum of Php 1,500 per month you can now get protected and have your initial investment. To get started, talk to a licensed insurance agent.

There are fees like upfront fees, management fees & redemption fees depending on the type of MF or VUL product. All these investments offer single-pay and regular-pay investments.

You must determine on what is the purpose of your investment. Knowing this will give you a clear idea what is the best investment vehicle suited for you. It is a MUST for you to study and contemplate about your investment goal, status, needs, and capacity to invest.

To learn more about how to start INVESTING contact the admin or email: pinoyfinancialiq@gmail.com. Visit Facebook page: pinoy financial iq. 

How BITCOIN Mining Works?

What is Bitcoin mining?

Bitcoin mining is the process by which transactions are verified and added to the public ledger, known as the block chain, and also the means through which new bitcoin are released.  Anyone with access to the internet and suitable hardware can participate in mining.  The mining process involves compiling recent transactions into blocks and trying to solve a computationally difficult puzzle.  The participant who first solves the puzzle gets to place the next block on the block chain and claim the rewards.  The rewards, which incentive mining, are both the transaction fees associated with the transactions compiled in the block as well as newly released bitcoin. 

This sounds scientific to you. This is where the technology goes nowadays. The revolution of cryptocurrency just started. To give you a clear view, mining Bitcoin is same as mining gold. There is a procedure to be followed before mining the field. Equipment is needed. Safety standards need to be follow to ensure the safety of personnel & materials. Same goes thing with mining Bitcoin. Equipment & system is needed to mine this coin. The only difference is mining using a hardware (a computer set), mining pool or thru acquiring a mining contract (hash power).

(Source: https://www.investopedia.com/terms/b/bitcoin-mining.asp)

How does Bitcoin mining works?

When you hear about bitcoin “mining,” you envisage coins being dug out of the ground. But bitcoin isn’t physical, so why do we call it mining?

Because it’s similar to gold mining in that the bitcoins exist in the protocol’s design (just as the gold exists underground), but they haven’t been brought out into the light yet (just as the gold hasn’t yet been dug up). The bitcoin protocol stipulates that 21 million bitcoins will exist at some point. What “miners” do is bring them out into the light, a few at a time.

They get to do this as a reward for creating blocks of validated transactions and including them in the blockchain.

(Source: https://www.coindesk.com/information/how-bitcoin-mining-works)

How to mine Bitcoins? Two-ways only

1. Set-up a mining hardware & get into a mining pool

Setting up a mining hardware becomes an expensive nowadays. It range 80k - 100k in order to start the mining process. Others expenses are the electricity cost & mining pool fees. Mining hardware are 24/7 in operation in order to get the desired amount of coins. Most importantly, expertise in computer is required to set a good mining set & its maintenance. 

2. Purchase a Bitcoin cloud mining contract (hash power)

Cloud mining or cloud hashing enables users to purchase mining capacity that of hardware in data centres.

Two operators Hashflare and Genesis Mining, have been offering contracts for several years.

Bitcoin cloud mining enables people to earn Bitcoins without bitcoin mining hardware, bitcoin mining software, electricity, bandwidth or other offline issues.

Bitcoin cloud mining, sometimes called cloud hashing, enables users to buy the output of Bitcoin mining power from Bitcoin mining hardware placed in remote data centre.

Then all Bitcoin mining is done remotely in the cloud. This enables the owners to not deal with any of the hassles usually encountered when mining bitcoins such as electricity, hosting issues, heat, installation or upkeep trouble.

What are Bitcoin Cloud Mining Advantages?

• ·         No excess heat to deal with
• ·         Quiet because of no constantly humming fans
• ·         No electricity costs
• ·         No bitcoin mining equipment to sell when bitcoin mining is no longer profitable
• ·         No ventilation problems with hot equipment
• ·         No need to set up a mining hardware

(Source: https://www.bitcoinmining.com/best-bitcoin-cloud-mining-contract-reviews/)

GET YOUR OWN BITCOIN MINING CONTRACT NOW!

For more details click the link below: 

http://pinoyfinancialiq.blogspot.com/2018/01/start-mining-bitcoin-ethereum-today.html

Chase and work on your dreams - lius antiporta

Start Mining Bitcoin & Ethereum Today - Cheap - Easy - No Hardware Required!

MINING MADE EASY WITH OMNIA

Why Mine with OMNIA?

OMNIA is a hashpower provider in the cryptocurrency mining industry. That offers a unique strategy for anyone to get started easily. Their mining service is not only designed for large scale investors, but also for those who are new to the world of cryptocurrency.  They provide lifetime mining services for Bitcoin and alternative cryptocurrencies in our mining catalogue with no “open-ended” contracts. They are a group of professionals who possess years of experience in this sector since the inception of Bitcoin. They have a scalable infrastructure that is secure and fully optimisable, capable of meeting the needs of emerging cryptocurrencies.

Mining Made Easy with OMNIA

They provide unique and easy mining services. The moment you purchase our mining plans, your mining has already started without the need for you to take care of any complicated setup. Thus, you can spare yourself from having to endure any loud rigs in your home. With this, you can save a lot of time and energy as this equipment requires a lot of effort in maintenance and creating a space for intense cooling of your mining rigs.

They provide a user-friendly web application interface to access your back office, track your daily payouts, and upgrade your existing Hashpower.

Lifetime Mining Strategy

Omnia offers lifetime mining contract is not an open-ended contract. When your contract becomes unprofitable, we will automatically assign your hash power to other profitable Altcoins. This is made possible by our unique mining strategy in which we reinvest 50% of your hash power in every 500 days. This method is employed to address the recent issues a lot of users faced when they bought a mining plan which became unprofitable leaving them no option to revert the change. With lifetime mining, your investment, whether long-term or short-term, remains safe and secure.

Mining Altcoins

Since the inception of Bitcoin, various Altcoins emerged in the market with unique and innovative solutions. Mining Altcoin is an integral part of our service, and we understand its value and importance. They support Altcoins that provide real-world solutions, having an impeccable timing in the market, with a strong community behind it, and that which is profitable for miners. In addition, They will regularly announce polls where everyone can vote for their chosen coin to be added to our mining catalogue in your back office dashboard.

Choose Your Plan: Bitcoin, Ethereum & Dash

Mining package is up to $100,000

Mining package is up to $100,000

REGISTRATION IS FREE!

Once the payment has been confirmed; mining starts immediately.

Copy & paster this link: https://my.omnia-tech.eu/afl/ref-new/47493

CONTRACT INFORMATION

Contract Time: We provide lifetime contracts for all available cryptocurrencies in our mining catalogue. However, profit is not always guaranteed as it depends on many variables such as mining difficulty, USD exchange rates, and maintenance fee which includes electricity cost, general network infrastructure maintenance, and cooling and servicing cost. We cannot control the cryptocurrencies mining difficulty or the exchange rate as it is unpredictable, but we have the resource and the expertise to sustain the maintenance cost. Moreover, we always implement the latest technology to ensure that the best service is available for you.

For more details contact the Admin of this site. 

Chase and work on your dreams - Lius Antiporta

How To Grow Your "IPON" Through BITCOINS?

This money should work for you

Do you have an excess money or savings that has been kept in a can, bamboo tube & a bottle of mineral water (as seen in the photo above)? 

I just found out that my sister keeps her excess money or savings inside her cabinet for quite some time. It made her money sleeps overnight without doing nothing. I mean, it is not bad to save this money over a period of time and use time as needed. But, let's be smart today. We are now into the modern world. We need to upgrade our system of IPON or savings into a different level. Which is now can grow up to 10% in just 9-10 days! Mind you it is not a Ponzi scheme. 

You can invest your IPON in Bitcoins which is now growing faster and more valuable than GOLD.

Last week November 23, 2017, I received half of my 13th month pay and invested in Bitcoins. Guess what had happen? 

In less than 3 days money grows 9%. 1,399 in Peso value as of November 26, 2017.  

Bitcoins grows unexpectedly. 

Within just 9 days Bitcoins grows from 406k to 452k. Rate of return +10%

Reminder: This is an INVESTMENT which has a corresponding RISK! You should manage your own risk through research.

Money can work for you nowadays. An online platform is now available today where you can place your money and monitor its daily movement through your smartphone. 

Coins.ph is a financial services platform founded in 2014 by Silicon Valley entrepreneurs Ron Hose & Runar Petursson in Manila Philippines.

As a service running on blockchain technology, Coins.ph uses digital currency as a low cost gateway to banking, extending the reach of financial institutions beyond their existing branch infrastructure to the 300+ million who are unbanked in the Philippines and the rest of Southeast Asia. In May 2017, Coins.ph raised $5 million in series A extension led by Naspers Ventures. Source www.wikipedia.org

To get started click this link https://coins.ph/m/join/6alrvg

Latest news, Bitcoins is expected to rise 1BTC = 10,000 USD this first quarter of January 2018. 

It is not too late to invest your remaining 13th month pay or "IPON"

To learn more. Comment IPON. I'll help you how to start invest your money

Chase and work on your dreams - Juls Antiporta

Nasaan Na Napunta Ang 13th Month Pay Mo?

Isang tanong, Isang sagot. Nasaan na ang 13th month pay mo?

I just learned that last November selected employees of the government received their hard earned bonus. I keep on checking on my friends list who are working on government but no one of them I heard about saving or investing. 

I just learned that their money is already "GONE". Wala na po. Ubos na. 

Ikaw ba naman na kaliwat-kanan ang SALE and PROMOTION ng mga retail outlet ngayon. Sad to say they are lured and spent their money. Now, they are back into their offices and work seat to work on their daily routine. This quote always remind me about work.

Kaya huwag kang mag-worry about sa work mo. Ang dapat mong ika-worry ay ang iyong FUTURE. Prepare for it, kasi kung hindi baka matulad ka sa parents mo na working parin kahit 60 years old na. It is common nowadays na ang parents naten is not yet retired at age 60. Kasi wala sila enough na SAVINGS & INVESTMENT. At hindi sila FINANCIALLY ABUNDANT. 

Financially abundance means you can live your life without working. You can still go to supermarket & shopping malls buy your favorite clothes. Eat on a fine restaurant every week. Watch movies with your family. Travel to places you want to go with your friends. Pay your monthly bills. Living a life without worry and stress free.

Will you dream to retire at a age 40? 

Then, starts building your wealth. Starts SMALL. Work on a daily basis. DREAM BIG! 

To simplify this, how does a child learn to walk? It is on the first steps then, by second steps. Repeating the process, the child can walk after a month of doing the small amounts of efforts because of a dream to be able to walk. BELIEVING and PERSISTENCE is the key to make it happen. 

How to start to INVEST? 

First.        Visualize your GOAL. What is your investment goal?

Second.    PLAN your actions towards your goal!

Third.       Set your OBJECTIVES of your goal.

Fourth.     Take the first step. ACT on it. 

Fifth         ACT again. 

Six           ACT again

Seven       ACT again

Eight        ACT again

Nine         ACT again

Tenth       ACT again.

I can assure you when you do this, you will SUCCEED. Time is your component in achieving your INVESTMENT goal. 

To learn more about investing in STOCK MARKET & BITCOIN. 

Comment Stocks or Bitcoin below. 

Chase and work on your dreams - Juls Antiporta

How To Spend Your 13TH MONTH PAY?

The most awaited time has already come. Tick Tak Tik Tak! Most of the employees now talk about their 13th month & calculating how much they are going to receive. It is very exciting, indeed! 

Perhaps, many among them already have already plan on what to do with their money. On my list are; 

1. Replacing & upgrading to a new high version of smartphone 

2. Purchasing a new set of appliances - as they called in REMEMBRANCE of the 13th-month bonus.

3. Paying out the 1-year old DEBT. Ouch! It really hurts.

4. Others, SPEND it in advance on loans in collateral of their ATM card. 

If you check the list above it is all about SPENDING! Money doesn't grow. It is not bad at all to buy a new phone, pay your outstanding debt, item memory of 13th month or paying-off the advance loan.

In your mind, you did the very best for yourself. Unfortunately, it is not!

Actually, you can do better for your 13th-month pay. You can SAVE for awhile & place in a safe storage. Calm down the excitement that you have at this moment for you to able to decide smartly the purpose of your money. After a while, you can ask a financial expert or research on the internet for an idea where to best place for your money

It is wise enough to place your money to grow over a period of time. There are two ways that I can advise which is nowadays a perfect place INVEST your money. 

First - Philippine Stock Market. 

It sounds complicated! 

Stock market investing is now available online platform. It can be accessed on latest smartphones. In fact, I do my trading (buy & sell) using my phone. This is the edge of the technology now. It is now one touch of our palm. Actually, it is easy to invest in just 1-2-3 I'm done. 30 minutes! Twice a month I'd check my portfolio. That its. 

Second - Through BITCOINS

Yes! It's the new trend for now. If you don't know about this your far behind. You just wasting most of your time checking your Facebook newsfeed. 

Bitcoin is the new cryptocurrency launch 7 years ago which can be used as a buying power to purchase goods & services. It has a value greater than dollars and gold. 

The great news, Bitcoin is now available in the Philippines. It can now be transacted online using smartphones. 

To give you an overview of this check the photo below; 

Period: 2011 to 2017

Smartphone cost $399 to $1149 

Bitcoin valued $1 to $8100

Philippine Stock Market Index 4371 to 8321

As you can see, the cost smartphone increased over the period of time but the values after a year or two declines. It deteriorates. No value at all. It is considered junk after 5 years. 

Whereas, if you spend your money through Bitcoins & Stocks your money grows as shown in the table. The value of Bitcoin in 2011 is just $1 but in 2017 it has a value of $8100. It grows tremendously. 

On the other hand, PSEI grows +47% in less than 5 years. 

The decision is in your own hands now. You only have two options;

1. SPEND to satisfy your WANTS or;

2. SPEND to GROW your money over a period of time. Bonus, you can buy the latest smartphone at of that moment once you INVEST your money. 

To learn more about #Stocks & #Bitcoins. Comment below. 

Chase and work on your dreams

Lius Antiporta