Valentines days is coming up, have you already booked yourself and your partner for a perfect romantic getaway? or you belong to the “SMV” or the Samahan ng mga Malalamig ang Valentines? Well, if your part of the latter, don’t drown yourself in tears instead make yourself busy and grab this very special moment to earn extra income!

Here are the click mini-businesses this Valentines Day that are cheap and easy to do:

1. Homemade chocolates and pastries-Chocolates and brownies are what most guys buy for their girlfriends as a perfect partner for flowers. What you just need is to learn how to make chocolates (which you can search via internet), molding plates, and your quirky imagination. Chocolates in the market usually expensive during Valentines so why not grab the chance to sell cheaper chocolates but expensively tasty! You can also do personalized chocolates, though you will invest a little money on this.

2. Personalized couple-items- From clothes, mugs, tumblers, key chains, necklaces, caps or anything that can be personalized and designed for sweet couples. Everything personalized is in especially for those hopeless romantics and cheesy couples who want to share the same item with their partner that will show the whole world that they are in love together. however, since you need to invest money here, I advice that look for cheaper stores where you can buy all your materials. Divisoria offers almost all things that you needed, just be patient to look for cheap but high quality materials.

3.  Offer yourself as the “date planner”- How to be a date planner? Create your blog,offer your services like you may book them to restaurants, spas, resorts, hotels, motels or contact flowershops for flower delivery or send chocolates,  or anything that you can do. Most guys (especially) are at work and usually had no time to prepare for a date so once again, grab this chance to offer your services in a very affordable price.

The Money market Association of the Philippines (MART) takes philippine market to the next level by establishing a more solid association and imparting knowledge to people.

For their 38th year the theme is MART@38: Fueling Economic Growth Through Smart Investments.

“MART is a non-stock, non-profit organization organized to provide an institutional medium by and through which the membership can collectively assist and copperate with one another, the National Government and its appropriate agencies and instrumentalities in the promotion, development, expansion and regulation of a free and open market for debt, debt securities and debt-related instruments and products,” said MART president Paul Raymond Favila.

For their 38th year, MART wants to impart more knowlegde not only to known businessmen in the country but also to other Filipino students who wants to learn more about marketing ang business.

November9-15 will be MART conciousness week which kick offs radio/TV interview and cocktail party from Nov 9-10.

November 11 (9 am)- Forum for Regulators (BSP,BTr, SEC, PDIC, OIC) Meeting Room, Makati Sports Club. Speaker: Dalmacio Martion, SVP BDO.

November 12-

• 9:00 am- Briefing for Faculty Members in Cebu “Portfolio Management and Derivatives” University of San Carlos. Speaker: Ramon L. Lim FSVP, PNB
• 1:00 pm- Campus Briefing in Cebu “Financial Literacy” University of San Carlos. Speaker: Lester Joseph Castolo, MART Treasurer and Ramon L. Lim

November 13 (6:00pm) - Convention proper at Bohol Beach Club Speakers: Solita Monsod, professor UP College of Economics and Jose Mario I. Cuyegkeng, Director ING.

with the popularity of facebook, myspace, friendster and twitter, many bloggers and businessmen ride with their popularity by joining the site to use it as a way of advertising their blogs or products.

Joining social networking sites where you can posts your products, make reviews and other effective form of presenting your products is 100% cheaper than advertising it on newspaper, tv or radio because it’s FREE.

Facebook, Friendster and MySpace share similar concept.It is a social networking site where you can posts pictures,banners, shoutouts, profiles and applications. Your profile can be viewed by all members. With the popularity of facebook and myspace internationally (Friendster is only popular here in the country) people from other countries can view your product, which is good.

Twitter on the other hand is also good. Less is good. With just 140 characters your ad should be catchy and clickable. Use the icon #, @ or link to your site so that the viewers can directly see your product or site. Twitter now has twitpic where you can posts your picture.

Millions of people all over the country are using computers and members of soial networking sites, in the country alone, a lot of people are members of friendster, twitter, myspace and facebook so the chance to get your products be known are high. 

Bond funds are kind of investments, or are mutual funds that invest in bonds rather than in stocks. It is less risky compared to stocks since the money does not rely more on stock market.

Investing in Bonds is more likely suited to those who want to have sure income with less risk involved. The Bank of the Philippine Island (BPI) for instance has updated and broadens their program in Bond fund. BPI’s Premium Bond Fund and ALMF Peso bond fund are both designed to rebalanced the instabilities in which are continuously being positioned to take advantage of interest rate movement in the market.

Why invest in Bond Funds?

• Bonds provide higher return
• It is transparent, meaning investors are well updated on regular reports like Monthly Fund Performance Report and Quarterly Fund Statement.
• Investors can easily sell or buy their units
• Less hassle in monitoring your investments