Our economy is shaking for the past years that affect the businesses, employment and our investors itself. This is  a crucial time for investors, however, there are still ways on how to manage keeping the business move, here are some advices:

• Make sure you have well-established goals- Make sure that you have well defined investments objectives, time horizon and risk tolerance. If your priority is to protect your interests and preserve opportunities, then you should assess the quality of your investment decisions and progress to the next level of investment management.

• Financial advisers can help- If investors have had a good discovery conversation with the adviser, they understand the market has its ups and downs. by making sure your portfolio matches your risk tolerance, your adviser ensured the investments match up with your ability to whether turbulent times.

• Be patient- Be patient. There’s no denying that the markets are extremely volatile. Next, stay invested. the biggest gains often occur in the early stages of a market turnaround, so you could miss out on the possibility for considerable growth if you’re sitting on the investment sidelines. Finally, look for opportunities. the market decline actually gives you a chance yo buy quality investments at lower prices.

• Not the time to sell- Consistent regular investing (peso cost averaging) during all types markets is still considered the best long term strategy fro investors. selling investments in a down market goes against the basic principle of investing: “buy low..sell high. Selling low “locks-in” your losses.

• Market will rise again- We are currently facing unprecedented times as far as the financial markets is concerned. The only way to guarantee a loss is to sell your investment when its down. Your greatest advantages in investing are time, diversification and peso cost averaging.

• History provides guidance- The best strategy to help you enjoy the next recovery and reach your long-term goals is to stay invested, look for opportunities, and be patient. We cannot predict downturns and recoveries, but we can be prepared for the. The best way to prepare is to focus on quality investments, completely diversify your portfolio, and invest based on your individual goals.

• Use your head- In a volatile market, be mindful of how you are making your financial decisions. Most people make poor financial decisions when they let their emotions lead.

*Tips from ALFM Family of Funds

Getting into business is one great option if we want to earn more income, either it is small or big. However, it is not easy to put up a business, you have to take risks and under go some adjustments especially if you’re going to start from scratch.

Franchising business is said to be a great way to get into business. In just a certain amount, you can start with your own business  as easy as 1-2-3. Franchising comes in different packages depending on the kind of business. Have you seen food kiosk in LRT/MRT Stations and even in Malls? those are all franchise. And mind you, the earnings per day is enormous!

Here are the reasons why you should choose to go franchising:

• Most of the Franchise business has a name for itself already, you don’t have to go over advertise (ie. Jolibee, Siomai House,7 Eleven)
• It comes with a package deal
• The Franchiser will be the one who will look for a perfect location (or if you have your location in mind, you can suggest and talk about it)
• Some franchiser includes hiring of laborers as part of the package including their uniforms (ie. Siomai House)
• Food Franchise are less cheaper, most of this food kiosks are famous because it caters pinoy and street foods.
• You can choose from variety of franchise like coffee shop, computer shop, bakery, pawnshop, fast food, food kiosks, RTW, etc.
• Franchiser will help you get started from business processing to advertising.
• Free seminars and trainings fro franchisee and its employee.
• Space rents is cheaper (depending on the location) LRT/MRT Station space rents costs P900 per day.
• Franchising costs P50,000-P4,000,000.

If you want a secure business, then choose franchising. In franchising, you don’t have to start from scratch, the business is already established long before you start!

Aside from the famous E=mc², that scientist Albert Einstein formulated, he also create the Rule of 72 that aims to help manage your financial income. Here’s how it works:

Step 1: How long does it takes to double your money?

This aims to help you determine how long it would take for your investment or debts to double. Just divide the number 72 by the percentage rate that you are paying in your debt and investment.

Saving Account: 500

Interest rate: 4%

72 divided by 4 is equal to  18. Therefore, you will have 36 months before your money doubles.

Step 2:  How many times will money doubles?

Determine how long you will keep your investment before you withdraw it. And just divide it on the years/month (like the answer you figured out in step 1) that your money will double.

You can see that if you can make your investment double a few more times by making slightly better investments, you can end up with many times more money!

So, use the Rule 72 and figured out now how to make your investment double in just a short span of time!

We have to go venture in small business if we want to earn more! There are now affordable business franchise that are worth P300,000 and less and is complete with packages. These kiosks mostly cater cheap street foods that will surely loved by people, especially now that were in the midst of crisis.

Here are Top 5 Business Franchise that is cheap yet profitable:

1. Siomai House- This Siomai Franchise has been quite famous in malls and LRT and MRT stations around the Metro. With just P250,000 franchise fee, you can have complete kitchen packages, uniforms, food supplies and other free incentives.

2.  Hong Kong Style Dimsum and Noodles- This franchise costs for only P100,000! The package is complete with cart, utensils, food supply, etc. HKSDN is a favorite food hub in LRT and MRT Stations and in other malls around the country.

3. Minute Burger- Minute Burger is one of the oldest and established burger kiosk around the country. They offer affordable burgers and drinks that is why people love eating out at Minute Burger. Minute Burger Franchise only costs P100,000.

4. Lugaw Republic- For only P100-300k, you can have Lugaw Republic Franchise! Filipino just love eating lugaw and by having this business it will always be “tubong lugaw“.

5.  RBX Rice in a Box- For only P200,000 you can have your own rice in a box food store.

Remember that getting into business needs a lot of research and strategies, the mentioned franchise will not be successful unless thorough efforts are made.