Category Archives: Invest

Business for a Balikbayan

September 20, 2013Invest, Planardy roberto, Armand bengco, bo sanchez, bonus budget, bulgar, business portal, business trends, Cash loans philippines, chinkee tan, cosmopolitan magazine, david pilling, easy money, economic conditions, fallacies, financial times, foreign exchange, forex, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, investment opportunities, Investments philippines, larry gamboa, lenddo, lenddo lending corporation, less is more, loans, Make money philippines, mario singh, money habits, Mutual funds philippines, of, Paano kumita ng pera, personal finance, pesonality, philippine economy, pisobilities, retirement, stock market, think rich pinoy, truly rich clubadmin

by: Francisco J. Colayco

An OFW asked my wife, Mary Anne, about setting up a mini-grocery store. This is the OFW’s letter:

Dear Mrs. Colayco,

I am an OFW working as a private carer here in England. I am planning to go back to our country to be with my family. I am thinking of putting up a mini grocery store as our location is ideal for such kind of business. I actually found the courage to make this decision after reading your book. I hope you can give me business recommendations.

Thank you.

—Rizza

This is Mary Anne’s response:

Congratulations on your desire to improve your life and to return to your family! Going into business is being an active entrepreneur. What is first and foremost is that you must really like the mini-grocery business and have the technical capability for it. Although having the right location is definitely a good start, you must not just choose a business for the sake of having a business. While you could have “employees”, you will need to understand the business completely before embarking on it.

If your idea is having a “sari-sari” store, it will be relatively easy but you will still need to understand the business. From talks with sari-sari store owners, you should have an inventory capital range of PhP10,000 and more. There may be costs for permits and fees for the barangay depending on the practice in your area plus of course any renovation you may need to convert your place to a store. A successful Owner said that if you want significant earnings, no less than PhP50,000 inventory capital is needed. Examining the margins that storeowners add, it seems that 20% is a good average. Assuming you can turn-over your inventory at least twice in one month, then you can have a gross profit of anywhere from PhP2,000 to PhP10,000 per month. You can add to your inventory as you become more successful.

Check out the rest of her response at HerWord.com!!!

What’s Your Investing Need?

September 18, 2013Invest, Plan, Shareardy roberto, Armand bengco, bo sanchez, bonus budget, bulgar, business portal, business trends, Cash loans philippines, chinkee tan, cosmopolitan magazine, david pilling, easy money, economic conditions, fallacies, financial times, foreign exchange, forex, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, investment opportunities, Investments philippines, larry gamboa, lenddo, lenddo lending corporation, less is more, loans, Make money philippines, mario singh, money habits, Mutual funds philippines, of, Paano kumita ng pera, personal finance, pesonality, philippine economy, pisobilities, retirement, stock market, think rich pinoy, truly rich clubadmin

by: Guita T. Gopalan

Whenever I ask people what their investing goals are I’m often answered with silence and a blank face. Making money is not the only goal in investing… In fact, it SHOULDN’T be. With changing markets and global economies, we need to recognize how we are affected — making money (significant money – not the guaranteed less than 1% less taxes and fees from savings accounts) may not become reality and adjust our objectives accordingly. In fact just in the normal course of your financial life your investing needs change.

So what are they?

1. Capital Growth– Capital growth is when you want to have a significant increase in the value of an investment over time. Sa simpleng salita gusto mo ng malaking pera! This is best achieved through what we in Colayco Foundation call ownership investments. These are investments which you buy at a certain price and hope to sell at a higher price at a later time. Examples of these are stocks, mutual funds, business, bonds and government securities in the secondary market, real estate, jewelry, art and other collectibles. Investing for capital growth is generally an aggressive move. It requires you to accept high risks in exchange for high returns.

2. Regular Income – When you’re goal is regular income, basically you want to make sure that you get some fixed income every month/quarter/year. It’s very similar (in concept) to you contributing money to SSS for your retirement (investment) and then expecting pension payouts (regular income) when you are retired. Lending investments are best suited for this. Examples of such are deposit accounts, corporate bonds and government securities. Investments (as a financer or share holder) in profitable businesses is also an option. So is having real estate property rented out (or other types of rental business i.e. transport, power tools/machines). Owning preferred stocks or stocks that give regular dividends is also an option. It’s also possible to have a portfolio of investments (many investments – both with ownership and lending investments) where regular income is the objective.

3. Capital Preservation – Markets and economies are like roller coasters on steroids! Keeping your money safe from devaluation (going down in value) may be important, beneficial and even strategic for you. There are some financial instruments which are perfect for this. High interest bearing deposit accounts are most suited for very short time periods. Depending on your investment period you can also consider fixed income and money market mutual funds as well government securities. You won’t get high returns, but you will get some returns and maintain the value of your investment at the same time.

WAIT! There’s one more objective in investing – AVOIDING CATASTROPHIC LOSS

Mr. Colayco calls this ‘every investor’s negative objective.’ According to him, no investor wants his investment to be wiped out. No body wants not just no gain/profits/return but no principal/capital as well. So some tips – straight from the Finance Guru himself, FJC says:

• “A 100% loss starts with 10%” – Cutting your losses can be strategic. Remember its easier to earn back 10% than it is 100%.

• “Detach your persona from your investments” – Many terrible money decisions are a result of hyped up emotions. Make objective decisions and make decisions when you can be objective. You are not your money. And money is only money it can always be earned back!

• “Don’t invest in a scam” and “Stay with the winners. Avoid the losers” – Do your research – you owe it to yourself to invest in ventures/investments that have a chance. Don’t put in money just because your tita offered you the investment/opportunity.

JUST A REMINDER – these goals are not only about one specific investment but also about your whole investment portfolio (having more than one investment). It really depends on your needs and wants. For example, if you have saved up enough for next year’s tuition, you shouldn’t invest that for capital growth as the risk that the value may decline is too high. This is best invested in something that will give you adequate capital preservation. Another example are funds for retirement – regular income to replace one’s salary and to augment pension can be a primary goal, but you may want to invest in a capital growth instrument for your vacation abroad.

*Guita T. Gopalan is the current Managing Director of Colayco Foundation for Education

Allocating Your Money in Every Life Stage

August 12, 2013Invest, Plan, Saveardy roberto, Armand bengco, bo sanchez, bonus budget, bulgar, business portal, business trends, Cash loans philippines, chinkee tan, cosmopolitan magazine, david pilling, easy money, economic conditions, fallacies, financial times, foreign exchange, forex, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, investment opportunities, Investments philippines, larry gamboa, lenddo, lenddo lending corporation, less is more, loans, Make money philippines, mario singh, money habits, Mutual funds philippines, of, Paano kumita ng pera, personal finance, pesonality, philippine economy, pisobilities, retirement, stock market, think rich pinoy, truly rich clubadmin

In every stage of life, there is a proper way on how you should allocate your assets. Why is that so? In personal finance, this is the rule of thumb: take more risks when you’re young, less risks when you’re older. When you’re young, you have more time in your hands. Riskier investments are preferred at such stages because there’s more time for such investments to recover . On the other hand, less risky investments are preferred if you’re older. Aside from the fact that there’s less recovery time for you if you invest in risky investment, your primary concern at this stage is to have regular income to sustain your lifestyle.

Here’s an interesting summary on how you should allocate your assets properly:

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Kasalukuyang Kalagayan ng Ekonomiya (Ikalawang Bahagi)

June 7, 2013Invest, News, Saveardy roberto, Armand bengco, bo sanchez, bulgar, business portal, business trends, Cash loans philippines, chinkee tan, david pilling, easy money, economic conditions, fallacies, financial times, forex, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, investment opportunities, Investments philippines, larry gamboa, lenddo, loans, Make money philippines, Mutual funds philippines, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, retirement, stock market, think rich pinoy, truly rich clubadmin

* Unang lumabas sa Bulgar, ika-7 ng Hunyo, 2012.

Bilang pagpapatuloy ng nakaraang artikulo, gusto kong ibahagi sa inyo kung paanong kinukumpirma ni PNoy ang mga obserbasyon ni Mr. Pilling. Ayon kay P-Noy, “Noong nakaraang dalawang taon, sino ang nag-akala na may magkakainteres pala sa mga peso-denominated bonds, at hindi lamang yan, magiging doble pa pala kaysa sa inaasahan ang interesadong bumili niyon? Sino ang nag-akala na hindi na kakailanganin ngayon magbigay ng naglalakihang insentibo para hikayatin ang mga kumpanya, negosyante at investor na makipagtunggali sa isa’t-isa para makalahok sa ating mga proyekto? Sino ang nag-akala noon na isang taon na lamang ang bibilangin mula ngayon para tayo’y maging exporter ng bigas, siyempre maliban na lamang kung hindi maganda ang panahon?…”

“… Gaya ng makikita sa ating karanasan, kapag inalis ang kurapsyon, nagiging kaaya-aya ang kalagayan ng ekonomiya: isang ekonomiya na hindi lang nakakaakit ng mga investor, kung hindi ay nakakatulong rin sa pinakamaraming bilang ng mamamayan. Ngayong natanggal na natin ang baluktot na pulitikal na impluwensya na dating nakaugat sa ating social welfare programs, alam nating ang higit sa 3 milyong sambahayan na tumatanggap ng conditional cash transfer ay talagang ang pinakamahihirap na pamilya, at hindi mga pamilyang may kuneksyon lamang. Ngayon, alam nating tinataguyod natin ang 5.2 milyon na pinakamahihirap na pamilya sa pamamagitan ng Philhealth program – ang ating health insurance program.

“…Ito ang unang pagkakataon na naglaan ang gobyerno ng ganoon kalaking halaga para pagaanin ang buhay ng labis na naghihirap, at nagsusumikap rin tayong magbigay ng trabaho sa mga mamamayan. Ayon sa aming pagsasaliksik, mayroong tatlong sektor na may pinakamalaking epekto tungo sa pag-unlad ng bansa at ng nakararami: Agrikultura, Turismo, at Imprastraktura. Nakatanggap ang agrikultura ang dagdag na 51.3% na budget sa taong ito. Puspusan din naming sinusulong ang kampanyang “It’s More Fun in the Philippines”, pati na rin ang mas pinaluwang na patakarang panghimpapawid upang mas mapadali ang transportasyon sa bansa para sa ikabubuti ng turismo. Bukod pa sa mga nabanggit kong pagpapaganda ng ating imprastruktura, nakatakda tayong magsagawa ng 10 Publi-Private Partnership projects sa taong ito. Kasama dito ang pagpapatayo ng mga paaralan, at pagpapalawak ng sakop ng ating mga tren.”

“Dahil sa magandang pamamahala, nagiging posible ang pag-unlad ng nakararami. Ang pagiging matatag sa ating mga prinsipyo, pamumuno sa pamamagitan ng magandang halimbawa, at pagbibigay senyales na hindi kukunsintihin ang korupsyon – nagbibigay ito ng kumpiyansa sa ating bansa. Tapos na ang mga araw kung kelan ang binibigay ninyong pondo ( pondo mula sa ADB) ay tumatagas lang gaya ng tubig sa butas na timba. Patuloy kayong makakakita ng resulta; patuloy ninyong makikita ang Pilipinas bilang bansa na sa wakas ay umuunlad upang makamit ang tunay nitong potensyal. Handa kaming tutukan ang aming mga pangako, at kayo ay inaanyayahan na tingnan kung tumutupad kami sa aming salita…”

Base sa mga impormasyong nabanggit na sinasang-ayunan naman ng maraming negosyante, personal ko pa ring pinipili ang Pilipinas kaysa sa ibang bansa para sa aking mga investments. Mas gusto kong manatili sa mga propesyunal na fund manager kaysa sa gumawa ng personal na analisis dahil wala akong oras na sundan at pag-aralan ang merkado. Magandang opsyon ang mga mahuhusay na mutual fund, pati na rin ang ating KskCoop (www.kskcoop.com).

Pero isang babala: gaya ng lahat ng investment, walang garantisado. Dapat unawain ang inyong personal na sitwasyong pinansiyal at alamin ang panganib at limit ng inyong investment.

Kasalukuyang Kalagayan ng Ekonomiya (Unang Bahagi)

June 5, 2013Invest, News, Saveardy roberto, Armand bengco, bo sanchez, bulgar, business portal, business trends, Cash loans philippines, chinkee tan, david pilling, easy money, economic conditions, fallacies, financial times, forex, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, investment opportunities, Investments philippines, larry gamboa, lenddo, loans, Make money philippines, Mutual funds philippines, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, retirement, stock market, think rich pinoy, truly rich clubadmin

ni: Francisco J. Colayco

*Unang lumabas sa Bulgar, ika- 2 ng Hunyo, 2012

Sa isang TV guesting kasama si Sharon Cuneta kamakailan lang, tinanong niya ako nang diretso.. “Bakit laganap ang matinding kahirapan sa Pilipinas?” Kung iisipin nga naman, nakakapagtaka talaga na nananatiling mahirap ang isang bansa na nag-uumapaw sa likas na yaman at puno ng makapagkalinga at talentadong mamamayan. Ang nakakalungkot na sagot dito ay nakalimutan na ata kasi natin ang ating “pagiging isang bayan”. Sinasabi pa nga ng iba na hindi sapat ang pagmamahal natin sa ating bansa. Sa mga nagdaang dekada, namayani ang pansariling interes kaysa sa ikabubuti ng nakararami at ng buong bansa. Ebidensya nito ang laganap na kurapsyon. Kinulimbat ng iilan ang yaman ng bansa.

Panahon na upang mahalin ulit natin ang ating bansa. At mukhang sa ilalim ng halimbawa ng “Matuwid na Bansa”, mukhang nagsisimula na tayong bumalik sa tamang landas.

Habang ipinagdidiwang natin ngayon ang ika-114 na taon ng Kalayaan ng Pilipinas, gusto kong ibahagi sa inyo ang ilang bahagi ng artikulo ni David Pilling na inilathala sa Financial Times noong ika-25 ng April 2012, at ng ilang bahagi rin ng talumpati ni P-Noy noong ika-4 ng Mayo 2012 sa Pambungad na Seremonya ng ika-45 na Taunang Pulong ng Asian Development Bank (ADB Board of Governance). Positibo ang sinasabi ni Mr. Pillings at Pnoy, hindi gaya ng naririnig natin sa mga nakaraang panahon.

Malayo-layo na rin ang ating narating at marami nang nangyayaring magandang pagbabago, at positibo ang ating pananaw sa mga investments. Ito ang aking ipinupunto. Kung hindi mo pa sinisimulan ang pag-iipon, baka mapag-iwanan ka at hindi ka makakasabay sa nagaganap na pag-unlad. Siyempre, walang garantiya pero laging mas nakakagaan sa loob ang magandang opinyon kaysa sa masamang opinyon. At isa pa, hindi ko sinasabing ilagay niyo sa isang investment lang ang lahat ng inyong ipon. Laging ikalat ang panganib (spread your risks). Pero, gaya ng lagi kong sinasabi, ilagay ang 10-20% ng kita sa mga investment at sundin ang formula na ito: Income – Savings = Expenses.

Sabi ni Mr. Pilling, “Magkano ang utang ng Pilipinas – ang bansang laging napag-iiwanan ang ekonomiya – sa International Monetary Fund? Ang sagot ay wala. Matapos ang ilang taon ng pangungutang, nagpapautang na ngayon ang Manila sa IMF… nakakabangon na ata ang Pilipinas sa wakas. Masyado pang maaga para makasiguro. Pero may mga matibay na ebidensyang ang bansang ito – na may batang populasyon nang halos 100 million, ang ika-12 na pinamalaking populasyon sa daigdig – ay umuunlad na. May matatag na pahiwatig ang gobyerno na hindi nila kukunsintihin ang kurapsyon. May mga naitatag na public-private partnerships para gumawa ng kalsada, riles, at planta ng kuryente na kinakailangan ng lumalagong populasyon. Medyo mabagal ang pag-unlad pero ginagalang ang legal na rehime sa bansa. Maraming ekonomista ang nagsasabing magkakaroon ng private investment boom dahil sa kaakit-akit na demograpikong sitwasyon ng bansa – kalahati ng mga Pilipino ay mas bata kaysa sa 25 taong gulang, at ang Pilipinas ang may pinakamatatag na mga bangko sa buong Timog-Silangang Asya…”

(Itutuloy)

Level Up: Knowing More About the Investment Grade

May 7, 2013Investardy roberto, Armand bengco, bo sanchez, business portal, business trends, Cash loans philippines, chinkee tan, fitch ratings, foreign exchange, forex, Francisco colayco, gnn, grow money, gusto kong yumaman, how to grow money, How to invest in stock market philippines, investment grade, investment opportunities, Investments philippines, larry gamboa, Make money philippines, moody's, Mutual funds philippines, Paano kumita ng pera, personal finance, pesos and sense, pisobilities, randell tiongson, standard and poor, stock market, think rich pinoy, truly rich clubadmin

The Philippines recently got its second investment grade, this time from Standard and Poor. What’s the big deal about the investment grade anyway? Why are many people so concerned about it? What does it mean for the ordinary investor like you?

Here’s an infographic to help you learn more about the investment grade!

Lotto Facts

April 30, 2013Invest6/42 results, 6/45 results, ardy roberto, Armand bengco, bo sanchez, business portal, business trends, Cash loans philippines, chinkee tan, forex, Francisco colayco, gnn, grow money, gusto kong yumaman, how to grow money, How to invest in stock market philippines, investment opportunities, Investments philippines, larry gamboa, lenddo, lotto, lotto results, Make money philippines, Mutual funds philippines, Paano kumita ng pera, personal finance, philippine charity sweepstakes, pisobilities, retirement fund, stock market, think rich pinoy, truly rich clubadmin

by: Art Ladaga

The Philippines continues its economic surge. Sadly, there are still Filipinos who rely on “pure luck” in to be wealthy (ex. playing the lotto). Thus, they fail to take advantage of the opportunity that lies before them.

Here’s an infographic we shared with our partner, Lenddo, about the realities of playing a Lotto Game and the ACTUAL COST SOME FILIPINOS THROWING AWAY if they still continue to do it.

Want to learn more? Do you want a hassle-free borrowing experience? Visit Lenddo now by clicking here!

Art Ladaga is the current Programs Officer of the Colayco Foundation for Education

Ang Perks ng Pagiging Single

February 6, 2013InvestArmand bengco, being single, bo sanchez, budgeting tips, Cash loans philippines, chinkee tan, financial literacy, financial management, financial planning, Francisco colayco, grow money, gusto kong yumaman, how to grow money, how to invest, How to invest in stock market philippines, invest, Investments philippines, iwas gastos, john calub, Make money philippines, Mutual funds philippines, Paano kumita ng pera, paano palaguin pera, pag-ibig, pera, pera at pag-ibig, perks of being single, personal finance, personal finance philippines, randell tiongson, single and valentines, single awareness day, single budgeting tips, valentine's dayadmin

ni: Art Ladaga

Pebrero na naman. Para sa mga may in a relationship status sa Facebook, panahon ito ng paggunita ng pag-ibig. Tataas na naman ang presyo ng mga chocolates, flowers, at anu-ano pang binibigay kapag Valentines day. Hindi rin nawawala ang mga radio requests ng mga cheesy love songs moderno man o hindi. At bumabalik muli sa uso ang paggamit ng mga gasgas na pick-up lines!

Ang itsura ng aking mga *pin buttons*, ayon sa ‘king pagka-alala

Sa kasamaang palad, hindi ito ang realidad sa karamihan ng mga single. Ibang holiday pa nga ang ipinagdiriwang nila kapag February 14. Ito ang S.A.D. o Single Awareness Day! Marami silang iniisip kung paano gunitain ito: may naglalasing, bumibili ng mga bulaklak para lang ibigay sa sarili, at nagsusuot ng anumang bagay as an expression of singlehood. Noong nag-aaral pa ako, may suot nga akong dalawang pin buttons na nagpapahayag ng pagiging miyembro ko sa Samahan ng mga Atenistang Walang Iniibig (S.A.W.I.) at sa Samahan ng mga Atenistang Palaging Umaasa Lamang (S.A.P.U.L)!

Mahirap ang buhay single. Madalas, gusto mong magwala kapag napapadaan ka sa dalawang magkasintahang nagpi-PDA o Public Display of Affection. Nagseselos ka rin kapag nakikita mong naka-post sa Facebook ang pictures ng iyong kabarkada kasama ang kanyang minamahal. At siyempre, masakit din ang hindi gumastos ng pera dahil wala kang ka-date sa February 14!

Mahirap talagang maging single, pero talaga bang kasuklam-suklam ito? Kung iisipin mong mabuti, may benefits din kapag wala kang minamahal!

Una, hindi mo kailangang gumastos kapag February 14. Wala kang dahilan para magluwas ng pera. Sa totoo lang, puwede namang gunitain ang Valentines Day nang hindi gumagastos. Nakasanayan lang na dapat gumastos ang dalawang magkasintahan para maging “special” ang holiday. Tingnan mo nalang ito kung anu-ano ang ginagastos nila para sa isang date:

Kung single ka, hindi ka na mag-aabala sa mga gastusing iyan!

Mas madali ring mag-ipon. Mas maraming pera sa bulsa mo dahil wala kang pinaggagastusan. Mas marami ka pa ngang options kung paano gamitin ang pera mo. Halimbawa, puwede mong gawin ang emergency fund mo para may pagkukuhanan ka kung sakaling may masamang mangyari sa iyo.

At ang huli, mas madaling lalago ang pera mo. Hindi ka mahihirapang mag-invest dahil wala kang pinagkaka-abalahan. Puwede kang mag-invest sa mutual funds kung nakapag-ipon ka na ng P5,000! Maganda ang naging performance ng mutual funds kahit hindi garantisado ang kita. Umaabot ang kita mula 10%-30% kada taon! Kung nag-iinvest ka ng P1,000 kada buwan sa loob ng 40 taon, puwedeng lumago ang pera mo ng P97,000,000!

Kita mo na? May perks sa pagiging single. Makakamit mo ang yamang nais mo kung alam mo paano palaguin ang pera mo. Sabi nga ni Francisco Colayco, “Huwag magpapahuli,” dahil maganda ang takbo ng ekonomiya ngayon. Sa halip na magmukmok ka sa tabi, sumakay ka na sa tren ng paglago! At mangyayari lang iyan kung alam mo paano palalaguin ang perang hindi mo ginastos!

*Huwag nang magpahuli sa tren ng paglago! Sumali na sa Pisobilities at INVESTability: Mutual Funds seminar sa Pebrero 16, 2013! I-click lang ang mga links para sa karagdagang mga detalye. Tumawag na sa 637-3731, 637-3741, o 09178088857 para mareserba ang inyong slot o para sa mga karagdagang katanungan!

*Si Art Ladaga ang kasalukuyang Programs Officer ng Colayco Foundation for Education, Inc.

5 Rules on Investment Instruments

December 17, 2012InvestArmand bengco, Cash loans philippines, Francisco colayco, grow money, how to grow money, How to invest in stock market philippines, Investments philippines, Make money philippines, Mutual funds philippines, Paano kumita ng peraadmin

by: Guita T. Gopalan

Investments are TOOLS, and just like any tool you need to know how to use it effectively.

For example, if you are a carpenter you must learn how to hammer and remove nails correctly otherwise you could hurt or injure yourself. You also wouldn’t use a hammer to place a screw otherwise it won’t work.

The same is true for investment instruments, treat it as a set of tools ready for you to use depending on your purpose.

5 Rules for Treating Investment Instruments as Tools

#1 What is your purpose? Target? Timeline? You should have a goal – how much and by when do you want something.

#2 Redeem your investments based on that purpose/goal AND NOT the condition of the market…

#3 The ideal would be is if you meet your goal in time. Redeem when you need it!

#4 If you reach your monetary goal early i.e. in 8 instead of 10 years – then redeem your investment and keep your hard earned and well invested money safe in a savings or time deposit account until you need it. Or you can reinvest all or some of the money, if you can afford to take some risk.

#5 If you reach 10 years but not your monetary goal then you decide whether you will keep it invested or redeem it already, whether the amount is sufficient or not. BUT if you are a prudent investor 1-2-3-4-5 years prior you would have already made adjustments to your investing (i.e. use a different instrument, increase your savings, etc.) so that you can meet your goal. (Remember investments are tools! Sometimes you need to use a small hammer to set a nail in the wall, then drive it in with a big hammer).

Wealth will be within reach if we manage our personal finances well and make money work for us!

Join us for our upcoming Pera Mo Palaguin Mo! Workshop on January 19, 2013. For more info email marketing@colaycofoundaton.com or SMS 09178088857. Slots at 75% OFF discount for 2013 are still available.

Guita T. Gopalan is the Managing Director of Colayco Foundation for Education.

KOOPERATIBA: Ang Ating Kapatiran sa Kasaganaan!

August 3, 2012InvestArmand bengco, Cash loans philippines, Francisco colayco, grow money, how to grow money, How to invest in stock market philippines, Investments philippines, Make money philippines, Mutual funds philippines, Paano kumita ng peraadmin

Likas sa ating mga tao ang makisalamuha, makipag-ugnayan at makipagkapatiran. Sa ganitong kadahilanan kung bakit ibat-ibang samahan ang itinatatag natin depende sa ating pangangailangan, interes, propesyon at iba pa.

Bawat samahang itinatayo ay nagtataguyod ng mga layunin. Kapuna-puna na ang karamihan sa mga ito ay kung paano magkakatulungan ang bawat kasapi nito. Isa sa mga natatangi rito ay KOOPERATIBA bilang isang kapatiran para sa kasaganaan.

Ano ang KOOPERATIBA?

Ang kooperatiba ay samahan ng mga taong nagkaisa at nagtutulungan upang matamo ang kanilang layuning pangkabuyahan. Sama-sama ang mga ito sa pag-iimpok at pag-aambag para sa kailangang puhunan at tanggapin ang tamang hatian ng mga kapalaran (risks) at mga kapakinabangan (benefits).

Maituturing itong pagbabakas-bakas ng mga tao ng kanilang hindi kalakihang impok upang makapaglunsad ng isang mapagkakakitaang gawain. Mga impok na kapag pinagsama-sama ay naging isang makapangyarihang puwersa upang kumita. Ang aking P1,000 ay mahihirapang mailunsad sa isang matinong negosyo subalit kapag ito ay ibinakas sa 99 na kaparehas na halaga ay magiging P100,000 ito na maaaring pagsimulan ng isang matinong negosyo.

Ito ang tinatawag ni financial wellness expert na si G. Francisco Colayco na kapangyarihan ng pagiging isa (Power of One). Magiging malaki ang kalat-kalat na maliliit kapag pinagsama. Magiging makapangyarihan ang mahihina kapag pinagsama.

Benepisyo sa Kooperatiba

1. Pagtanggap ng Dibidendo
Dahil bumakas sa puhunan, kahati din sa kita ng negosyo. Bawat kasapi ay tatanggap ng bahagi sa kita ng kooperatiba na tinatawag na dibidendo. Ang laki nito ay depende sa laki ng kinita ng kooperatiba at laki ng ambag sa kabuuang puhunan.

2. Nagkakaloob ng hanapbuhay
Bukod sa dibidendo ay mataas ang potensyal na mabigyan nito ng trabaho ang kaniyang mga miyembro lalo na ang mga nasa linya ng produksyon.

3. Mas murang halaga ng produkto at serbisyo.
Bilang kasapi ng kooperatiba ay karaniwang may diskwento sa mga produkto at serbisyo. May mga ilan namang nagbibigay ng patronage refund sa pagtangkilik ng mga miyembro.

4. Access sa pautang, pagsasanay at iba pa.
Karamihan ng mga kooperatiba ay nagpapahiram ng ibat-ibang uri ng pautang sa mga kasapi nito sa mas mababang interes. Nakakahiram ang mga kasapi ng puhunan para makapagsimula at makapagpalaki ng sariling negosyo. Kasabay nito ay pagbibigay din nila ng pangkabuhayang pagsasanay at iba pa.

Batay sa mga benepisyong nabanggit, hindi mapapasubalian na ang pagsapi sa kooperatiba ay isa mga landas na posibleng tahakin natin tungo sa pinapangarap nating kasaganaan. Nasa ating pagsasama-sama at pagtutulungan ang ating kasaganaan!

Melchor V. Cayabyab is an educator, an entrepreneur, and a Financial Wellness Advocate of Colayco Foundation. He has been teaching economics for more than ten years now. He was awarded the “Most Outstanding Teacher of Manila” in 2003. As an entrepreneur, he is a successful distributor of different food supplements. Last year, he established “AHON SA KAHIRAPAN”, a micro-lending cooperative that aims to lend money with very low interests and at the same time help its members learn how to manage their finances properly.