Coping with the hard times is still unavoidably felt by many people around the world today. Indeed, the 2008-2009 economic downturn that has hurt many people and businesses still lingers its effect in the overall economic activity. Experts say that it may continue for the rest of this year- possibly even for a good part of next year. However, the difficult times notwithstanding, the future would not have to be that bleak for people who choose to strive.

The times call for even more perseverance to counteract the effects of the tough economy. Still, there are smart ways that one can do to meet the challenges of the hard times. One of the most doable ways to do this is to augment one’s income with a home-based small business while keeping the regular morning job. By doing so, one increases his/her opportunities and potential to find a market segment where a product or service is needed despite the trying times. People still have basic needs that need to be satisfied and finding ways to fill those needs will help one to fill his/her own for survival and growth.

In addition to this, one should be wise enough to manage his/her cash flow and not prioritize purchasing ultra pricey items. Instead, one should take note that cash is king during the hard times. Thankfully, there are many frugal ways to save up when buying one’s basic needs and that is through discount coupons being offered by certain stores to their consumers to save up on their purchases. By being resourceful, it is not surprising that one can still find ways to satisfy his/her needs, as well as stretch finances to get the most value out of one’s hard-earned money.

Just like any other economic cycle, the hard times will pass and wouldn’t last forever. Changes call for new demands that abound and need to be met. No matter what the prevailing economic conditions might be, it is always best to jump start improving one’s financial standing by being persevering, creative, resourceful, frugal, and innovative.


Posted by: admin in Business,Finance on April 17th, 2012

Resources are defined as anything including but not limited to capital, persons, or land that are required to produce an outcome or enterprise. However, resources seem to be scarce for many people nowadays that they are not getting ahead with their finances. Some are almost on the edge of falling behind financially or worse are those who have already fallen by the wayside.

One of the biggest problems a lot of families and individuals face today is the lack of financing especially during emergency when someone in the family gets  sick, or the car needs repairs, or there is a traffic ticket that needs to be paid. These unexpected expenses could readily add up to the challenges one maybe facing financially. There are now more and more people who are finding the benefits of fast cash loans with a reputable company. This is a very convenient, efficient and fast way to augment one’s finances and meet those tough short-term needs. One can send an application online for this loan at the convenience of his/her house without the all the fuss that one may experience from getting a loan through traditional lending organizations like banks. Just remember that just like any other loans, fast cash is a financial responsibility that should be properly dealt with to avoid any financial challenges that one may face. It may be easy to process but one’s debt could also easily pile up if one is not careful.

A better look at one’s finances is the first step to deal with it accordingly. This way, one could  contradict the effects of unexpected expenses and start looking at the bigger picture on how he or she could be more self-sufficient, creative, and effective to improve his/her finances. Emergencies may surface or not, but utilizing fast cash loans during these times can indeed give anyone  a peace of mind knowing that there is always help available.


Posted by: admin in Business,Finance,Sales,Services on January 31st, 2012

To stay competitive, businesses whether a start-up or an established brand, face the task of choosing from a variety of business solutions and tools that would give them a competitive advantage in conducting their daily operations. Not only could these solutions and tools make a big difference in their bottom lines, but the benefits derived from could be so dramatic particularly in the case of start-up businesses.

Cash flow is essential in keeping a business or company on track. Financing a business could be most likely difficult especially during these times of economic uncertainty. It is therefore important to monitor cash flow  to determine the profitability of your business. Business Checks are a great tool to keep track on your payroll and on accounts payable as well. Deal with a reliable company that offers business checking supplies for you to monitor your company’s cash flow efficiently. This way as you monitor your finances, you are also able to make better spending plans, sales and marketing plans linked to careful projections and resource allocations.

As a business owner, you must have an effective strategy on how to gain many new customers including choosing the right tools for your business. All things considered, many entrepreneurs could definitely benefit from effective business solutions for their business/company.

Posted by: admin in Business,Finance,Investment,Real Estate on September 10th, 2011


AVIDA TOWERS ALABANG is a joint venture project of AVIDA Land Corp. and Ayala Land Inc. This site is located at AlabangZapote Road corner Prime Street, Madrigal Business Park, Brgy. Ayala Alabang, Muntinlupa City where it is nearby major thoroughfares, transport stations,offices, hospitals, malls, schools and churches. 

Why is this project the best investment you can have now? 

1. Very Affordable. Own a unit for as low as 1.6M (USD 37,600.00), at 24 months to pay, 0% interest. Avida Land Corp, is the affordable developer of Ayala Land Inc. 

2. Great Location. Avida Towers Alabang is located within the Madrigal Business Park – along AlabangZapote road corner Prime street. Beside CITIbank Towers Alabang, and other corporate offices. Walking distance from Alabang Town Center, Madrigal Avenue, Alabang Medical Center, and other known business establishments, churches, schools and hospitals. 

3. Security of Investment and Good Quality. Avida Towers Alabang is a joint venture of Avida Land Corp and Ayala Land Inc – 2 trusted names in the country’s property development field.

The project is a master planned community of 2 affordable towers. The first five levels will be allotted for parking lots while the residential units will be at the 6th to 26th floor.

Residential Units offered are:

1. Studio Unit (approx. 22.4 sq.m) – P 1.6M

2. 1 Bedroom Unit (approx. 35-39.7 sq.m) – P 2.4M

3. 2 Bedroom Unit (approx. 53.48 sq.m) – P 4.5M

Community Amenities

Adult & Kiddie Swimming Pool

Clubhouse with Function hall

Children’s play area Garden Area (maximized green area and open spaces)

Main entry/ exit gate w/ Guard House (2 lanes each)

Sewage treatment plant Centralized cistern

Building Features

Main lobby for each building (min of 30 sqm)

Min Two (2) Elevator units (min. of 15-pax capacity each)

Admin room – applicable in First tower only (min of 20 sqm)

Utility room (min of 15 sqm)

Emergency power

a. 100% on safety; 50% on common areas

b. 1 power outlet, 1 ref outlet, & 1 lighting unit for Studio and 1-BR units

c. 1 power outlet, 1 ref outlet, & 2 lighting units for 2-BR unit Garbage Chute Fire protection/ fire alarm system Mailbox per unit located at the lobby Units are electricity, telephone, cable television & internet ready Transformer Vault & Genset Room to be located at the ground floor level.




 10% DP, 24 months

0% Interest

80% In-house, Bank Financing (BPI, Chinabank, BDO, RCBC)

Please contact:

Karen Rada

Property Specialist


Posted by: admin in Business,Debt,Finance on September 6th, 2011

Tales of people ending up in a black hole of credit card debt abound and most people have stumbled upon debt and find themselves  struggling in problematic financial situations. The lack of ready financing can put you and your family in a tough bind especially when you need financial assistance for emergencies and immediate family needs. If you are in a similar situation, a debt settlement help is what you need to start your way to financial recovery.

These days, even companies cannot count themselves immune to late-payment syndrome, and with revenue down and reserves already being tapped, not all small businesses have the cash cushion necessary to survive. There are available debt settlement services to help you have a better look of your financial picture. A reputable debt settlement provider can help you start to deal with your debt accordingly and sort out the debt problems by discussing strategies that can be used to pay off the debt and manage your finances. An effective debt management plan will dramatically change your financial standing so you could perform better and eventually work your way to better manage your cash flow. This way, you are able to look forward to beyond year after year to get your finances in order.


Posted by: admin in Business,Finance,Title Loan on August 17th, 2011

In an economy that seems like funding has dried up, people are finding it more difficult to get the capital to start, operate and expand a business, or simply finance the needs for emergency reasons of an individual or maybe a family. Small business owners actually need to think through the lending process before they approach lenders otherwise they will be easily turned down. At times, the more urgent your needs are, the more risky you appear to lenders, and you only get one shot. Lenders don’t tell you why they are turning you down, and they are not there to help you figure out how to ask for money.

Finding a lender can become quite challenging as borrowers are faced with the long application process and credit check. If you are one of those who need urgent financing, it is best to consider auto Title loan that offers quick cash based on the value of your vehicle. Even if you have a bad credit, you can get approved as they do not run credit checks. Just make sure that your vehicle is paid in full allowing you to hold the title. This is a better alternative that you can opt to as compared to the traditional banks where you will be dealing with time delay and hassle. This can also be a great way to get access to financing your short-term needs until such a time that you reach a better and more manageable cash flow.


Posted by: admin in Business,Debt,Finance,General,Services on May 17th, 2011

Whether you have a business or working for a company, you are most likely to face some difficulties obtaining capital to finance your business or even needing immediate financing for emergency needs of your family, especially during these times of economic uncertainty.

A popular source of financing is through the form of debt or equity. When borrowing money, you need to consider important factors that could affect the viability of the financing package. These factors include time duration, interest rate, and the management participation of the funds provider. However, external financing is hard to come by, especially during this time when many banks and investors are struggling with financial insecurity.

The good news is that you can still increase your internal cash flows generated by your business or job by looking at other possible sources of financing like cash for title. This is a secured loan that requires the borrower to provide the title of his or her car. It is not necessary that a borrower has a bank account as the loan amount is based on the value of the car (which needs to be paid or nearly paid off) to secure a loan. At whatever stage of growth you are in as an entrepreneur or an employee, it is very important to explore all possible and reliable sources of capital or financing. You need to choose the right mix of debt and equity financing at the least cost that can provide you the most control in managing your finances.

In the world of finance, a savings account is considered one of the more reliable investment tools through which individual or institutional investors can expand their assets. It may provide lower yields but an investor is confident that his or her investments are protected. This is an ideal investment vehicle for people to accumulate and build wealth over the long term. It is also a popular vehicle for retirement savings as well as building lump-sum amounts to achieve one’s life goals.

Cash is indeed king especially in times of crisis. The more cash you save, the higher your chances of surviving any financial drought. To maximize the benefits of a savings account, many people are finding the benefits of utilizing a savings account interest calculator. This is a smart tool to help you compare savings rates as the impact on your savings balance can be affected over time even with a small percentage on the difference of interests.

If you have a good tolerance for risk, you may invest your money in non-guaranteed funds or trust products for higher earnings. Common trust funds pool resources from various investors and then invest the money in mutual funds or stocks for higher earnings. On the other hand, if you are a conservative investor, you can invest in government securities, bank products or guaranteed funds that provide stable returns. Bank products like time deposits and government securities provide lower yields but protect your investment. It is notable also to consider the annual percentage yield (APY) which is the total amount of interest paid to the depositor by a financial institution. Interactive calculators are available to help you compare the actual rates of return of your chosen financial institution. It is recommended to seek a good investment professional to build your portfolio. Make a research on your potential financial institution’s or bank’s past performance, its staff, reputation, and how it serves its clients before deciding if you want its business.

As a smart entrepreneur and investor, it is imperative that you learn the importance of understanding risk and rates of return, asset allocation, and diversification. If you have a business, it is important to build up your cash reserves and maintain a degree of liquidity equal to at least six months of overhead expenses. If your current cash balance is not sufficient to meet this requirement, you can work on this by examining your sources of cash. Information and interest calculators are indeed effective business tools in keeping you and your business on good footing.

Setting up your business at home could be the great option for first timers to save on overhead expenses. This could sound like a simple solution,  however, many challenges also come with the comforts of doing your business at home. Some of these are the tendency to slack off, the problem of privacy, or not being taken too seriously by people in the industry. Here are some guidelines on how to make your home-based business work for you:

Make your office space look professional. Make sure that your office contains no distractions such as TV. You may make a soundproof office with a glass sliding door especially if you have kids that make noise. Dress in a professional manner as well when you are going to meet with someone and make your business cards and letterheads brochures and other printed matter look professional.

Set boundaries. There may be a tendency for you or if you have employees to slack off because of the homey environment. Work in a professional manner to stay focused with this type of work environment.

Keep your books in order. Have a good accounting system and a reliable bookkeeper to keep every cent that comes in and go out in check. This way, you can really gauge if you are making money, breaking even, or just enjoying your hobby.

The year-end offers the chance for many entrepreneurs to review the business’ economic standing in preparation for the next year. During the month of December, a business’ sales could double or even triple, which can help determine the final profitability of the business.

The year-end should be the period when you should be reviewing your business performance. Knowing your financial standing before the close of year brings you benefits. By reviewing your year-to-date sales, you could estimate how much more in sales you would need to generate in order to surpass your previous year’s record. You may then strategize your sales promotion in order to achieve the year-end goal. It would also be easier to identify the variances year to year if your business has an annual budget, particularly those that are unfavorable to the business and investigate their causes.

If you know your business’ financial report, you may also decide to reward yourself and your investors with dividends. Looking at your sales quota could also help you determine the amount of cash bonus you could allocate to your managers and staff. Setting up an accounting system and getting a qualified accountant or bookkeeper to assist you could help you anticipate your cash flows, dividend requirements and budgets to assure better profitability on your business.

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