investing

Harbor City Capital: Is It Legitimate? Five Facts You Need to Know

April 21, 2020 by Contributor Leave a Comment

*Article contributed by Amin.

As the old saying goes: “You have to have money to make money.” For some people, this may mean contributing to a Roth IRA, saving a percentage of their income, venturing into entrepreneurship or investing in the stock market.

For individuals who want to take an alternative route, there are plenty of options to tap into when looking for unique ways to earn wealth. Harbor City Capital Corp., an alternative investment firm that specializes in digital marketing arbitrage (DMA), is one option. Digital Marketing Arbitrage is a strategy where the investor spends “X” on digital advertising, gets paid “Y” for the lead, and collects “Z” as the profit or ROI.

Harbor City Capital was founded by American entrepreneur JP Maroney, who over the course of his 25 year career has started, built, bought and sold a variety of business ventures in publishing, media, advertising, software, ecommerce, training, real estate, and consulting. Since its inception in 2013, the firm, which operates within the $200B Internet advertising sector, has generated double-digit yield for investors – providing bridge funding for high-ROI online lead generation campaigns.

Due to the returns on investment, curious investors are left pondering, “Is this too good to be true?” and “Is Harbor City Capital Legitimate?”

To answer these questions, here are five facts you should know about Harbor City Capital.

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AFPSLAI Dividend Schedule for 2020

January 29, 2020 by Ray L. 12 Comments

UPDATE: Due to the covid-19 pandemic, there’s a lot of things that you should know. First off, the EDA now is 13% (3.25% for the first quarter of 2020). Second, 2020’s first quarter April schedule has been delayed due to the quarantine. Third, there will be contact tracing and social distancing when you enter the premises.

Update (8/19/2020): EDA for the second quarter of 2020 is 9% per annum according to their announcement on this link.

afpslai 2nd quarter 2020 9 percent — “Further, the Board of Trustees approved an EDA rate of 9% per annum for the 2nd Quarter of 2020, which may likewise be withdrawn on July 27, 2020.” (Picture taken on Aug. 20, 2020)

AFPSLAI‘s Capital Contribution Account (CCA) is, in my opinion, one of the best investment vehicles for members of the AFP (Armed Forces of the Philippines) and their families or beneficiaries. Investors, both regular and associate, get a rather large dividend payout that’s released every 4th Monday of the month following every quarter (April, July, October, and January). While it’s unfortunate that they no longer accept new associate members (families of AFP personnel), I do believe they still accept new regular members from the AFP.

One thing to remember is that there’s a LOT of people queuing up every dividend release. I usually get there at 8 a.m., get my number (in the hundreds), and get my transaction by 2 p.m. or later. Since it takes so long, it would be terrible if you wake up early, commute to your nearest branch, and find out that it’s not your scheduled date.

If you’re a member of AFPSLAI and you want to know their expected dividend advance schedule this 2020, then check out their schedule on the image below:

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Ano ang “Too Good to be True” (at Paano Iwasan ang mga Scam o Modus)

October 3, 2019 by Ray L. 1 Comment

English Version (Click Here)

Ilang taon na ang nakararaan, may natuklasang real estate investment ang aking ina. May isang luxury resort na tumatanggap ng mga investors, at sa halagang P200,000, makakabili ka ng isang kwarto sa resort na pwede mong paupahan at pagkakitaan. Sa palagay ko, maayos naman ang investment na iyon. Medyo mapanganib kasi hindi namin alam kung magiging popular ba ang resort na iyon at baka rin hindi ganoon kaganda ang lokasyon.

May pagdududa din ako lalo na noong hindi nila agad ibinigay ang mga terms at conditions ng kontrata at nagbigay lang sila ng brochure, pero may pera naman ang pamilya namin para doon. Matapos ibinigay ng magulang ko ang unang deposit, kinulit muna niya ang kumpanya tungkol sa mga terms bago ito sinabi ng representative nila. Makakakuha nga daw kami ng room na pwede naming gamitin at paupahan… sa isang linggo kada dalawang taon. Kailangan rin naming magbayad ng maintenance fees buwan buwan.

Hindi iyon investment. Isa lang pala iyong modus o scam! Sobrang iba iyon sa unang sinabi na magkakaroon kami ng room sa resort na pwede naming paupahan. Lantarang false advertising o pagsisinungaling ang ginawa nila. Hindi man mabawi ng aking ina ang P18,000 na deposit, buti na lang din nakalabas kami sa scam bago lumala pa ang sitwasyon.

Isa lamang iyong halimbawa ng mga posibleng modus, pero ano nga ba ang ibig sabihin ng “too good to be true”? Pag-usapan natin susunod ang mga pinakapopular na modus sa bansa.

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“Too Good to be True” (and How to Spot Scams)

October 3, 2019 by Ray L. 5 Comments

Tagalog Version (Click Here)

Some time ago my mother discovered a real estate investment opportunity. A luxury resort was accepting investors, so for the price of around P200,000, you can own a room at the resort and get a share of the profit whenever you rent it out. In my opinion, it sounded like a decent deal. It was somewhat risky as we don’t know how much business that new resort will get and the location might not be that good.

I had my doubts especially when they didn’t immediately send us the terms and conditions of the contract and they only gave us a brochure, but our family did have money for it. After my mother sent the first deposit and she started asking about the full terms, the representative finally told her the details. We’ll get to use or rent out a room… for one week every two years. We’ll also need to pay some maintenance fees every month.

That’s no investment. That was a scam! It was WAY different from the “own a resort room and rent it out” deal that the first promoter said. It was blatant false advertising. Although my mother couldn’t withdraw the initial P18,000 deposit, we were glad to have exited that scam before things got worse.

Well, that was just one example of a scam. What does it mean when something seems “too good to be true”? Let’s talk about the most popular kinds of scams here in the Philippines next.

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Ano ang Pinagkaiba ng mga Traders at Investors?

August 21, 2019 by Ray L. 1 Comment

English Version (Click Here)

Malamang narinig mo na ang ibang mga kakilala mong naguusap tungkol sa stocks na gusto nilang bilihin o ibenta o kung anong mga mutual funds ang dapat nilang kunin bilang investment. Baka may narinig ka nang nagsabi na kailangan mong tignan ang mga charts at “P/E ratios”, bumili kapag bumaba sa ganitong halaga ang presyo o magbenta kapag tumaas naman ito, pero baka may narinig ka na ring mga payo na kailangan mong bilihin ang ilang kilalang investment at itago ito nang higit dalawampung taon.

Ano nga ba ang dapat mong gawin?

Depende. Gusto mo bang mag-trade at subukang kumita ngayon, o gusto mo bang mag-invest nang pangmatagalan? (Pwede mo ring gawin pareho). Kung hindi ka makapagdesisyon o ngayon mo pa lang sinusubukang pag-aralan ang pag-invest at hindi mo pa ganoong alam ang pagkakaiba ng mga traders at investors, edi sinusuwerte ka ngayon! Paguusapan natin iyon dito!

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