finance

Avoiding Liquidation: Keep Your Business Afloat

May 8, 2017 by Contributor Leave a Comment

*Contributed and sponsored by Hunny Sharma.

Owning a business is tough work. When difficulties strike, it can be hard to see a way out. Owing money can put a lot of pressure on any organisation.

Upper management takes the brunt of the pressure when the company is in debt, and not all professionals are able to endure it. To many, it seems like the only solution is to fold the company and file for bankruptcy. There are, however, alternatives that will appear for those who look for them.

Insolvency specialist BWA insists that in a lot of cases, businesses give up much too early. These experts claim that many organisations jump into liquidation before they’ve explored all options available. Very often, there are still other alternatives to explore. Indebted businesses may seem like they’ll always owe money and many lose hope because of it. Some approaches, however, may save organisations from trouble and revive them once more. [Read more…]

How to Verify if Your Broker is Trustworthy

March 20, 2017 by Contributor 1 Comment

*Contributed by Andrew Altman of Slickbucks.

No one wants to trust their long-term financial security to a shady broker whose offered security-selling services may not be on the level.

Fortunately, there is an easy rule of thumb to follow when seeking out a brokerage that can fulfill your future needs: avoid any potential broker that doesn’t give you direct answers to your questions, and stick only with brokers that have information that is covered by various informational outlets.

You shouldn’t ever need to spend a lot of effort trying to affirm the integrity of a broker’s character, as the ones that are trustworthy always make that process easy for their clients.

Nonetheless, you should not rely purely on word-of-mouth to zero in on a broker that you can trust will properly sell you the securities you’ll need. There is a fairly involved research process that you should go through, but we explain in the following guide the best procedure you should take while going about it.

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Paano Mag-Budget ng Pera: Isang Maiksing Aral Tungkol sa Personal Finance

February 6, 2017 by Ray L. Leave a Comment

English Version (Click Here)

*Ang article na ito ay naglalaman ng affiliate links.

Kakaunti lang sa atin ang may oras para magbasa ng librong may 300 pages. Pwedeng ngang wala tayong ilang minuto para magbasa ng 2,000-word na article! Kung gusto mo ng maiksi at simpleng guide tungkol sa kung paano mag budget ng pera at paano makaipon ng pera, ang article na ito ay para sa iyo!

“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” (Isang malaking bahagi ng financial freedom ay ang kalayaan ng puso’t isipan mula sa pag-aalala tungkol sa kawalang-katiyakan ng buhay.) – Suze Orman

Bago tayo magsimula, huwag mong kalilimutan ang LAYUNIN ng pagbudget ng pera:

Katatagan at Kapayapaan ng Iyong Finances/Pananalapi (Financial Stability) at Financial Freedom

Mahirap maging masaya sa buhay kapag baon ka sa utang, kapag nag-aalala tungkol sa kung saan makakapaghagilap ng pera para magbayad ng mga bayarin, at kapag ang buong pamilya mo ay nagdurusa sa kahirapan at kakulangan. Sa kabilang dako naman, mas-madaling maging masaya sa buhay kapag may labis kang pera at kagamitan para mabayaran ang mga kailangang bilhin, bumili ng masasarap na pagkain, bumili ng pangkatuwaan, maglakbay, makatulong sa kapwa, at iba pa. Mas-madali pa kapag hindi mo na kailangan pang magtrabaho ng 9-to-5 dahil ang mga investments mo ay kumikita PARA SA IYO at may oras at kakayahan kang gawin ang mga gusto mo kahit kailan mo gusto.

Ito ang layunin ng mabuting paghawak ng pera, at ito ang matututunan mo dito.

“No one can feel easy or safe who is living from hand to mouth.” (Walang makakaramdam ng kaginhawaan at kaligtasan kapag nabubuhay ng isang kahig, isang tuka.) – Orison Swett Marden

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How to Manage Your Money: A Short Lesson on Personal Finance

February 6, 2017 by Ray L. 1 Comment

Tagalog Version (Click Here)

*This article contains affiliate links.

We don’t all have the time to read a 300-page book. We might not even have a few minutes to read a 2,000-word article! If you want a short and simple guide on the basics of how to manage your money, then this article is for you!

“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” – Suze Orman

Before we begin, don’t forget the GOAL of managing your money:

Financial Stability and Financial Freedom

It’s difficult to enjoy life when you’re buried in debt, worrying about where to find money to pay the bills, and when your entire family is suffering from poverty and lack. On the other hand, it’s much easier to enjoy life when you have more than enough money and resources to pay the bills, buy good food, buy entertainment, travel, help the needy, and more. It gets even easier when you no longer need to work at a nine-to-five job because your investments earn money FOR you and you have the time and resources to do the things you want WHEN you want.

That’s the goal of good financial management, and that’s what you’ll learn here.

“No one can feel easy or safe who is living from hand to mouth.” – Orison Swett Marden

[Read more…]

Sampung rason para Mag-Invest sa Stocks na nagbibigay ng Dibidendo

January 24, 2017 by Ray L. Leave a Comment

*Ang article na ito ay naglalaman ng affiliate links.

English Version (Click Here)

Ilang linggo na nakalipas, ang isang reader ko ay nagsend sa akin ng email at nagtanong siya tungkol sa pag-invest sa mga stocks na nagbibigay ng dibidendo. Dahil gusto ko din ang long-term o pangmatagalang dividend growth investing (kaysa sa trading, market timing, at panghuhula o speculation sa paggalaw ng stocks), sinubukan so siyang tulungan hanggang kaya ko. Sa huli, ang payo ko sa kanya ay dapat niya itong pag-aralan ng kusa dahil ang mga experto na nagsusulat ng mga libro tungkol sa investing ay may mas-marami at mas-mabuting kaalaman at detalyeng maituturo sa kanya kumpara sa masasabi ko sa iilang email.

Ganoon pa man, kung gusto mo ring matutunan ang ilang bagay tungkol sa pag-invest sa dibidendo, eto ang sampung aral tungkol sa dividend stocks na kailangan mong malaman ngayon.

[Read more…]