Where does your money go when you invest in Philam Strategic Growth Fund?

Saving in mutual funds is a smart way of making your money work for you. It may sound cliche but what many people do not realize is that mutual fund earnings can offset loan interest rates. For example, you loaned as condo payment 1.8M pesos from the bank at 9% per year, and your mutual fund grows at 17% per year (which is the historical growth rate of Philam Funds), then at the end of the loan tenor, you could have paid the bank interest rate (around 3M) with your mutual fund earnings (around 3.4M)!

There are more to mutual funds than just becoming better off and shaving off loan interests.

Feel free to email the author for financial consultation if you want to know more: horebelliot at yahoo.com

Investment and Mutual Funds Earnings

Here's a real-life, data driven lesson for everyone.

If you open an investment account (via Colfinancial, Philam, Sun, etc.) worth P5,000, with a cumulative 48% returns in 5 years:

Investment: Your P5,000 will have become P7,400 even while you're sleeping.

Traditional Savings: If you have P5,000 in a bank, after 5 years, you have P5,052.

LESSON: Save up wisely.

-----
The author is a licensed financial adviser and has a master's degree in Political Science, International Relations. Feel free to reach him via horebelliot @ yahoo.com

Reducing Tax Payment in the Philippines

If you put it in perspective, at least 35% ng salary mo ay kinakaltas ng gobyerno. Happy? Bukod pa diyan ang consumer tax at evat tuwing bumibili ka ng patis.

May takas ba dito? Meron (beams confidently)!~
Tara at alamin. ^__^

-------------------------
For more financial saving strategies, please send an email to Prof. Horeb Eliot at horebelliot at yahoo.com.

When Money isn't the most important thing...But...

Material resources free us to achieve higher level values, which can consequentially unlock other higher level values. Then at some point, the utility of these material endowments will taper off. And we'll have to look for happiness, love, contentment that will feed the eternal, higher order need that humans find elusive...that no amount of money can buy.

Human Heart Nature Overnight Elixir and Natural Day Moisturizer

I seldom write reviews for skin products, but two HHN products just compelled me by efficacy to write one.

Clear and healthy skin is not an exclusive female wish. Guys like me also would like to be initially appraised physically and one of the most instantaneous bases for a positive one is the face. And because of this belief, I had tried many products in the market from Shu Uemura to Clinique to DIY but finally I have found my holy grail product at a fraction of the price!

I wanna share with you what works for me, my sister, and countless other friends. If your skin is oily, nay, super duper oily, acne-prone, and pore-infested, HHN Overnight Elixir slathered at night (6-7 drops) and afterwards patting two pumps of Natural Day Moisturizer does the trick of alleviating all the unsightliness under the sunlight. In the morning, one and half pump of Natural Day Moisturizer can make blotting papers unnecessary throughout the day.

Trust me. My face is an oil spill disaster. Not until I tried this HHN combo. Waking up in the morning and seeing how healthy-dewy (not oily) my face is...it's just amazing. What's more, I don't have to shell out 3-5k for monthly maintenance.

Give this a try and see the difference in under a week.

----
Day: Nourishing Facial Wash, Natural Day Moisturizer 1 1/2 pumps. Off I go!
Night: Nourishing Facial Wash, 6-7 drops of Overnight Elixir, 2 pumps of Natural Day Moisturizer. Off to bed!

 

Overnight Elixir 30mL at P995 (lasts for more than a month)

Natural Day Moisturizer 50mL at P150 (lasts for two months)

Scholarship to Korea 2013

GEO Graduate Scholarship Program of CUK for Foreign Students
I. Purpose of the Program
1. To provide exemplary students from foreign countries with opportunities
for pursuing higher-education in Korea
2. To enhance globalization of the CUK campus by creating a more
culturally diverse environment
3. To promote international education and mutual friendship between Korea
and other countries.
II. Number of Recipients
Approximately 10 students in total
III. Program Eligibility and Details
1. Entrance period: Spring semester of 2014 (begins March, 2014)
2. Graduate programs in the following areas of concentration:
① International Studies (International Relations, American Studies, Chinese
Studies)
② Business Administration (Business Administration, Accounting)
③ Public Administration (Public Administration, Policy Studies)
④ Biotechnology and Environmental Engineering
(Environmental Engineering, Biotechnology)
⑤ Information, Communications and Electronics Engineering
*⑥ Digital Media (Media Engineering, Culture Contents)
※ Applicable only to department with the asterisk(*) : When the number of
applicants does not meet the quota, there might be no selection
3. Language of Instruction: English
4. Eligibility:.
ㆍAn English aptitude exam score of TOEFL PBT 550/CBT 210/IBT
80,
IELTS 5.5, TEPS 550 or above is required.
ㆍGraduates or undergraduates in their final year of study
(Must be available to study from March, 2014)
IV. Submission Deadline
ㆍAll documents must be submitted electronically by October 31,
2013.
Upon selection, applicants will be required to submit originals of all the
documents by air-mail by November 8,
2013. If any discrepancy is found between the electronic versions and
the originals, the offer will immediately
be terminated.
(Applicants who pass the initial review will be notified individually for an
interview)
ㆍAn English exam score must be submitted electronically by October
31, 2013.
Original results of the English exam score can be submitted after
entering the school.
If any discrepancy is found between the electronic versions and the
originals,
the offer will immediately be terminated.
ㆍThose selected for an interview will be notified by email.
The interviews will be held from November 25 ~ 29.
After the interview via Skype, the notification of the results will be on
December 16.
V. Recipient Responsibilities
1. Work as a GEO TA
2. Observe local customs and follow school regulations as stipulated by The
Catholic University of Korea
(Teaching English outside for extra income is allowed within the observation
of the law and with permission from
the Head Professor)
VI. Scholarship Privileges
1. Tuition exemption and on-campus residence fees during the entire period
of study
(Graduate program: 2 years)
(Student must maintain a GPA of 3.5 or above on the scale of 4.5)
2. Monthly stipend as a GEO TA: KRW400,000 (Under current exchange
rate, approx..
USD350) during the semesters.
(*Stipend offered based on hours of work as a GEO TA during the
vacations)
3. Airfare to Korea up to USD 500
4. Settlement allowance: KRW 200,000
5. Transportation from the airport
(Other fees, including insurance fee, must be paid by the individual)
VII. Required Documents
1. Admissions Application (CUK Form)
2. Statement of Purpose (CUK Form)
3. A copy of the college graduation certificate
(or certified expected graduation form)
4. A copy of the official college transcripts
(all the ranks and marks must be included in the transcripts)
5. One letter of recommendation from a professor or the department head
6. A copy of the TOEFL/CBT/iBT/IELTS/TEPS score report
7. Proof of Nationality (i.e., A copy of the first page of the passport)
VIII. Inquiries
For further information, please inquire with the Team of Academic &
Student Affairs of the Graduate School
Address: Team of Academic & Student Affairs of the Graduate School,
The Catholic University of Korea
43 Jibong-ro, Wonmi-gu, Bucheon, Gyeonggi-do, 420-743, Republic of
Korea
Website: http://www.catholic.ac.kr/~cukgs/english/
Tel. No.: + 82-2-2164-4474
Fax No.: + 82-2-2164-4751
E-mail: cukgra at hanmail dot net

Job in Korea for Foreigners and Students

★Recruitment for Foreign Students★

Company: American Apparel 

Company background: American Apparel was founded in 2013 as a small company is located in Jung-gu, Seoul, Myeong-dong 2. Doing clothing / retailer business. 

Descriptions:
1.Position: Store Inventory Management Support

2. Vacancy needed: 2~3 persons

3. Applicants: Foreign students who can speak English as a first language. Basic Korean skill needed as well. Student who hold D-2 or D-4 visa is preferred. F-4,F-5 or F-6 visa holder also preferable.

4. Qualification: Who interested in fashion and have enough fashion sense.

5. Preparation: Passport, Alien Registration Card, recommendation letter from academic advisor, permission for other activities outside visa status.

6. Location: American Apparel Myeong-Dong

7. Working Hours: Full-time: 8 hours/day ; Part time: decide after interview

8. Payment condition: 8000kwn/hour

9. Deadline: 20 July 2013

How to Apply:

Please send us your resume and a recent color photo to suminshin@americanapparel.net

* Please make sure to provide your English & Korean skill at ‘Other Languages’ field on the detailed personal information.

Recruitment process: Candidates who pass the document review >interview> Notification of acceptance

If you have any further questions, feel free to contact us via e-mail or call 010-9289-2228 

***A repost from Int'l Corea via FB

Life Begins at 40...

...Well, that is, if you're reaping the benefits of long-term investments. Defer gratification for at least 10 years. 
Life would prove to be untamed if you don't. It's not yet late to start!

Maximize your savings through an investment instrument called Money Works.

Save for a slow as P20,000 yearly (payable monthly, quarterly, or semi-annually) and start growing your funds from 15-24% annually! As bonus, you are also covered by a growing insurance coverage.

No need to pay for life--20k for 10 years allows you to stop paying the premiums. You can still, however, inject top-ups or additional investments whenever you have extra cash. Topping up will boost your fund amount.

Please take a look at the values under 10%--but take note, we are growing at 24% at present!

If you have questions, please let me know.


sincerely,
Horeb Eliot
UP Professor, Department of Social Science
Masters in Intern, South Korea
Licensed Financial Planner and Adviser

A Summary of Reality from Orochimaru

"People change...either than...or they die before they can."

Best Father's Day Gift

It's sad to see fathers working for 30 plus plus years yet they retire with little money in their names. Know what?

With just P44.00/day, your father can comfortably retire with 3.5M savings and 3.5M life coverage. Now, that's a HAPPY FATHER'S DAY indeed!

I can help you in wrapping this gift right now.
horebelliot at yahoo . com

---

Horeb Eliot
Licensed financial adviser,
Development Economics, Political Science Professor
University of the Philippines

Job Opportunity for Filipinos in the Philippines (work in a Korean company)

a repost from one of my FB closed groups:

Job Opportunity in the Philippines~

CJ, one of the biggest company in Korea, is looking for a Filipino who studied in Korea, who speaks Korean well, and is now currently living in the Philippines.

CJ Home Shopping, is planning to set-up in the Philippines~ If you're interested regarding the work, reply/PM me your name, email and mobile number and we will connect you :)

-credits to EMWang

Top 3 Factors that Keep the Philippines Poor

1. The elites - they have continued to monopolize economic power and therefore political leverage as well. Most of these people have had their primate-like grip on the apex of power since the Spanish period.

2. Low total output of small and medium scale enterprises (30%) as compared to SME output in Korea and Japan that accounts for half of the total economic activity.

3. Weak investment and risk-taking behavior of Filipinos - as we like to spend a lot (dakot) and save not; as many of us do 'isang kahit isang tuka' (hand to mouth existence); as deferred gratification is essentially a Confucian, Buddhist, and Protestant ethic. But we believe in the blessed are the poor mentality. We are afraid of calculating risk and have learned to keep only one plastic card in our wallet and maintaining only the minimum deposit amount therein. We get sick and die without insurance. Hence, the sandwich generation takes care of the needs of the family of origin and family of procreation, creating multiple strains that prohibit take-off--one generation after another.

We cannot do much about the elites.
But we can save up (#3) and learn to start our business (#2). If you're not someone with an entrepreneurial mind, then be sure to at least do yourself a favor: don't be sandwiched between your parents and family's economic needs. Break away through financial planning. The people in Payatas were able to do this.

Let us learn how to rethink money, and think it not as a root of evil or something of a purely materialistic representation of greed. If you help yourself, you help your country and everyone around you.

"Happy" Labor Day

Labor Day. If you think it's "happy", then you've got a problem. It's here to convince us to pay taxes more diligently, to establish obeisance to an extractive institution that shells out subconscious benefits at best. 

Did you know that you have to work for 4 months just to cover all the taxes you need to pay? I'm not saying to not pay taxes. It's just that many people are complacent tax-payers. Little do they know that there are ways to reduce these awful deductions--yes, even if they're single and without dependents.
Play it smart. Learn how to play the game. Or others will toy with you.

I'd rather call today Happy Financial Independence Day.
Let's sit together sometime to achieve this.

-Eliot, Licensed Financial Adviser


  For a free consultation, please send an email to horebelliot at yahoo dot com.

Virgin Coconut Oil for Export

P155.00*/liter of organic, enzyme-processed (most superior processing method), heat-free
Virgin Coconut Oil using University of the Philippines patented technology.

Ideal for exports and repackaging!

Contact me for bulk orders.

(U$D 4/liter; discounts apply for bulk orders minimum of 30 liters)

Fund Raising for April - May 30 2013

28 people can send two children to school, save 28 dogs and cats, plant 2800 seedlings, in 28 days.

28 volunteers are needed this summer for a fund raising activity. 

If you want to be socially significant and raise funds for social ends, please send me an inquiry: horebelliot at hotmail dot com.

Fundraising Activity for Organizations (School, Org, Church, etc.)

The Objective

G-health, Inc., a health and wellness company from New Zealand, is looking for organizations that can move 140 boxes of G-tea in the Philippines. One of the strategies it has come up with is by soliciting the participation of interested organizations/volunteers in exchange for P25,000.00 (cash, exclusive of 12% tax)  upon complete settlement of the said product and quantity. Interested organizations can use the financial incentive to help charities, support social causes, and fund their activities.

The Strategy

For this fundraising to succeed, the members of your organization are called for to move the inventory: 140 boxes of G-tea, 1 box/P650.00/30 tea bags, 1 tea bag/350ml of tea puree.

·                     The SRP of a box of G-tea is P650.00. The volunteers have 30 days to dispose of the inventory. They are also encouraged to mobilize their networks (family, friends, org mates, etc.) to easily move the boxes that volunteers commit to dispose of, on or before the allotted fundraising period (30 days upon delivery of inventory).

·                      The inventory can be borrowed from the boutique in Ortigas, Quezon City. Unsold items can be returned provided that they are in excellent condition (damaged products are considered sold). However, if the quota (140 boxes) has not been met, which means that some volunteers were not able to move the items, then the P25,000.00 incentive will be adjusted according to the number of boxes sold. Good news! All sold products will still be convertible to cash!

·                     This fundraising activity is risk-free. Volunteers need not pay in advance. Remittance will be collected on the 7th, 14th, 21st, and 30th day.

The Solution

                1. G-health, Inc., a. SEC, DTI, FDA accredited company, will provide the inventory.

                2. Volunteers are deemed to not experience any financial loss from the participation as supplies can                                                                 be returned to the botique.

                3. G-health, Inc. reserves the right to a processing period (maximum of 5 working days after the 30-day fund                                                   raising period) before the incentive is released.

                4. G-health, Inc. will give volunteers copies of FDA certifications and a flier containing the product information.

·                     G-tea is an exquisite red tea puree made from Rooibos tea and Reishi extracts. Together, they provide the body with 18 antioxidants to slow down aging, boost the immune system, and help in the detoxification process.

With this program, we can raise funds for a cause and become more socially relevant as an organization. This scheme has benefitted social causes in Mindanao and Laguna (typhoon victims, orphanages), and I hope we can also do the same for the beneficiary of your choice.

Smart Investment with the Philippine's most stable financial company

The upgrade of the Philippine economic outlook to 'investment grade' means that your bank savings rate will drop even further to less than .375%. Don't let your money lose value through bank investment. 

Please let me know if you are interested to grow your money by 8-15% annually. Investment starts at P5,000. 
Grow, grow your money tree! :D 

Start by sending me an email: horebelliot at yahoo dot com

Investment with the biggest bang for the buck!

Do you have P79,000? Where can you sensibly invest it?

Option A: for short term horizon - invest it in Ghealth, Inc. (guaranteed 40% cash ROI in two weeks; 152% ROI upon sales of full inventory, plus a franchise business). Please refer below for Option A.

Option B: for long term protection - insurance protection with a savings component (minimum of 1.3M coverage for only 16k or 30k yearly, retirement fund of up to 3M; yeah, we hate paying for premiums that turn out to be sunk cost/napatapon lang kasi di nagamit). Let’s set a heart to heart talk for Option B.

-------------

A 152% Return of Investment—impossible? Possible with Ghealth, Inc.

Investment/Cashout

P79,200 and you will get the following:

a) 18 bottles of GCell Stem Cell Mobilizer 90 soft gels and  b) 6 bottles of Omega King 90s Omega 3, 5, 6, 7, 9, EPA, DHA

            The Market price of the 24 bottles = P96,480

Investments Unconditionally and Automatically Returned in two weeks:

P40,370 guaranteed returns (in form of cash rebates and 5k worth of free products)

Plus P96,480 in form of product stocks/inventory

Total: P40,370 + P96,480 = P136,480 guaranteed net value returned automatically in two weeks!

Investments Returned after Products have been sold: P17,280

Total Returns: P136,480 + P17,280 = P153,760

That’s 152% ROI.

Now, tell me which franchise or distribution company gives this rate of ROI?

Want to spend your 79,000 wisely? Feel free to contact L: +63921 6638808

Work / Study in New Zealand

Best Advice Limited invites you to a FREE orientation seminar on how to STUDY , WORK and LIVE in NEW ZEALAND!

Come join us on April 13, 2013 (Saturday) 2:00 - 4:00 PM at The Legend Villas, Pioneer, Mandaluyong City! 

Learn how you can achieve your dreams in New Zealand by furthering your studies and getting working experience too!

REGISTER NOW by texting 09178872987 or emailing info@bestadvicelimited.com / tanya@bestadvicelimited.com the ff details: NAME, CONTACT NUMBERS, EMAIL.

Bring your resume to the event!

SEE YOU THERE!!!

Stem Cell Supplement and Treatment

How does stem cell work? 

When a tissue or organ is damaged, diseased or otherwise stressed, it sends out a chemical signal that calls for help, traveling through the bloodstream to the bone marrow. The bone marrow then releases adult stem cells that travel back through the bloodstream to the tissue where they morph into healthy cells, regenerating the damaged tissue or organ.

Good news! Ghealth, Inc. offers G-cell stem cell mobilizer from New Zealand. 2-3x of vegetarian supplements can be taken daily to experience the full benefits of G-cell.

My personal experience with this product was for my eyesight. My vision was 125/175 before. After using G-cell for 2 months, I went to the ophthalmologist to verify a drastic improvement: 25/125!
I already said goodbye to contact lenses and eye glasses! Hurrah!
 
Help your body help itself now!

Follow this link for a very informative article on stem cell.

Free Career Orientation in Korea

‎1st KINSA Career Seminar for international students
For more information : http://www.kinsa.org/15506

When : 23rd March, 14:00~16:00
Where : Seoul Global Culture & Tourism Center, Haechi Hall
*Map : http://seoultourism.kr/2011/eng/center/c...enter03.asp

How to Apply : E-mail to job@kinsa.org by 18th March
(Name, Nationality, Univ., Phone no., E-mail)
*Pre-Registration is mandatory (FREE)

Contents
-Introduction of KINSA(10')
-Trend in recent job employment(10')
-10 Tips to get jobs in Korea & Types of VISA(10')
-Employment procedure & Cautions(30')
-A case of successful employment(30')
-Introduction of Korean company's atmosphere(20')
-How to write a resume(10')
-Q&A

Questions : job [at] kinsa [dot] org

Looking for a tried and tested, affordable stem cell supplement?

Ghealth's Stem Cell still remains to be the most competitive (price- and quality-wise) stem cell mobilizer supplement in the market. At P1800.00 that's what you expect from Ghealth for having its own New Zealand-based manufacturing facilities.

My eyesight: from 175-200 to 25-100 in two months. I've done away with contact lenses :D

G-Cell is now available in the Philippines. It's not a cure all but it did target my hairfall and bad eyesight. Please PM me for a bottle at horebelliot at yahoo dot com.

Scholarship to Korea 2013

The Catholic University

of Korea

GEO Graduate Scholarship Program of CUK

for Foreign Students

Application Procedure and Schedule

Procedure	Schedule
Required Application Materials Submission Deadline	Feb 1(Fri) ~ Apr 30(Tue), 2013
Required Application Materials(original) Submission Deadline	Feb 1(Fri) ~ May 10(Fri), 2013
Admission Tests	May 27(Mon) ~ 31(Fri), 2013
Notification of Admission	Jun 24(Mon), 2013

                                             

      The Graduate School

GEO Graduate Scholarship Program of CUK

for Foreign Students

I.          Purpose of the Program

1.        To provide exemplary students from foreign countries with opportunities for pursuing higher-education in Korea

2.        To enhance globalization of the CUK campus by creating a more culturally diverse environment

3.        To promote international education and mutual friendship between Korea and other countries.

II.       Number of Recipients

  Approximately 10 students in total

III.   Program Eligibility and Details

1.        Entrance period: Fall semester of  2013(begins  September, 2013)

2.        Graduate programs in the following areas of concentration:

u International Studies (International Relations, American Studies, Chinese Studies)

v Business Administration (Business Administration, Accounting)

*w Public Administration (Public Administration, Policy Studies)

*x Biotechnology and Environmental Engineering (Environmental Engineering)

*y Information, Communications and Electronics Engineering

*z Digital Media (Media Engineering, Culture Contents)

*❼ Life Sciences (Molecular Biology, Environmental Biology)

※ Applicable only to department with the asterisk(*)  : When the number of applicants does not meet the quota, there might be no selection

3.        Language of Instruction: English

4.        Eligibility:.

§ An English aptitude exam score of TOEFL 550/CBT 210/iBT 80/IELTS 5.5/TEPS 550 or above is required.

§ Graduates or undergraduates in their final year of study

(Must be available to study from September, 2013)

IV.   Submission Deadline

§ All documents must be submitted electronically by April 30, 2013.  Upon selection, applicants will be required to submit originals of all the documents by air-mail by May 10, 2013. If any discrepancy is found between the electronic versions and the originals, the offer will immediately be terminated.

(Applicants who pass the initial review will be notified individually for an interview)

§ An English exam score must be submitted electronically by May 10, 2013. Original results of the English exam score can be submitted after entering the school. If any discrepancy is found between the electronic versions and the originals, the offer will immediately be terminated.

§Those selected for an interview will be notified by email. The interviews will be held  from May 27 ~ 31. After the interview via Skype, the notification of the results will be on June 24.

V.     Recipient Responsibilities

1.        Work as a GEO TA

2.        Observe local customs and follow school regulations as stipulated by The Catholic University of Korea

(Teaching English outside for extra income is allowed within the observation of the law and with permission from the Head Professor)

VI.   Scholarship Privileges

1.        Tuition exemption and on-campus residence fees during the entire period of study

(Graduate program: 2 years)

(Student must maintain a GPA of 3.5 or above on the scale of 4.5)

2.        Monthly stipend as a GEO TA: KRW400,000 (Under current exchange rate, approx..

USD350) during the semesters. (*Stipend offered based on hours of work as a GEO TA during the vacations)

3.        Airfare to Korea up to USD 500

4.        Settlement allowance: KRW 200,000

5.        Transportation from the airport

          (Other fees, including insurance fee, must be paid by the individual)

VII.                         Required Documents

1.        Admissions Application (CUK Form)

2.        Statement of Purpose (CUK Form)

3.        A copy of the college graduation certificate (or certified expected graduation form)

4.        A copy of the official college transcripts

(all the ranks and marks must be included in the transcripts)

5.        One letter of recommendation from a professor or the department head

6.       A copy of the TOEFL/CBT/iBT/IELTS/TEPS score report

7.        Proof of Nationality (i.e., A copy of the first page of the passport)

VIII.                     Inquiries

For further information, please inquire with the Team of Academic & Student Affairs of the Graduate School

Address: Team of Academic & Student Affairs of the Graduate School,

The Catholic University of Korea

         43 Jibong-ro, Wonmi-gu, Bucheon, Gyeonggi-do, 420-743, Republic of Korea

Website: http://www.catholic.ac.kr/~cukgs/english/

Tel. No.:     + 82-2-2164-4474

Fax No.:     + 82-2-2164-4751

E-mail:        cukgra@hanmail (dot) net

Please PM me for additional documents at horebelliot at yahoo dot com.