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Wednesday, March 14, 2018


By On March 14, 2018

Have you ever thought of being a part owner of a company? Sounds interesting right?

There are several ways to make this happen. Call your friend and start a company together, invest your money in a start-up company, buy equities (stocks) of a public company or better yet, participate in the CORL Token ICO/Crowdsale.

Why should you invest in CORL?

Investing in CORL gives you the opportunity to be a part owner of the company with minimal investment and less complexity. All you have to do is participate in the crowsale (that's all!!) . Being a part owner, you will receive dividends quarterly based on the company profits. These dividends will be issued in Ethereum. 

What is CORL (CRL) Token and CORL Platfrom?

In a nutshell, CORL is a financial technology (FINTECH) company that will issue funding to well-deserved companies requiring capital. These funds will come from investors who will receive a corresponding amount of CORL (CRL) tokens based on their investment.

CORL will profit from the interest paid by the companies who received funding. Based on this profit, It will distribute 10% to Token holders and reinvest the other 90% for portfolio and operations expansion.

CORL (CRL) Token will be developed using the Ethereum (ERC20) and Polymath (ST20) protocol. The Ethereum protocol provides the many desirable properties that blockchain assets possess, such as decentralized consensus, censorship resistance, operational execution, and a universal storage standard, whereas the Polymath protocol provides the mechanism for ensuring regulatory compliance with securities law, such as Anti-Money Laundering (AML) and Know-Your-Customer (KYC) regulation.

Corl is the very first company to offer Revenue-Sharing, Crowdfunding and the Blockchain all at the same time.

Why makes CORL different and relevant?

Aside from giving individual investors the opportunity to be a part owner and earn from the company’s profits, another notable feature of the CORL platform is Capital-as-a-Service (CaaS). This means companies with potential who are under served by the traditional finance will be given the chance to acquire the funds they need.

A lot of brilliant ideas nowadays are suppressed by simply the lack of capital. Imagine the kind of technology advancement that we will enjoy once all these innovative ideas come to reality? Corl is going to bring a close to this gap. As long as the company  has potential and  follows the application process.

How can CORL make all of this happen?

Corl is managed by an experienced team with backgrounds in technology, finance, regulations, and domain expertise in blockchain, lending, risk, and investment management. You may check the website or the whitepaper to know the people behind this revolutionary project.

Coupled with a highly relevant goal (empower entrepreneurs and investors through the use of technology and innovative funding strategies based on revenue), excellent team and strong support from its investors, CORL will definitely be able to revolutionize the blockchain and the finance as we know it.

Corl has also partnered with other outstanding companies such as Polymath, MLG Blockchain Consulting, BountyOX and Presale Partner to further its goals. The strong partnership built with all these companies will ensure the success of the entire CORL platform.

To know more updates about this project and the crowsale, visit www.corl.io or any of their social media pages:

 Author: https://bitcointalk.org/index.php?action=profile;u=1234796

Saturday, November 18, 2017

7 Ways To Invest and Grow Your Money

By On November 18, 2017
7 ways to grow and Invest your Money

Have you ever wondered how you can grow your hard-earned money?

Most of us have limited idea about investing so we rather put our money in the bank. Yes, placing your money in the bank is a good option but not the wisest thing to do. Putting your money in  the bank is a sure way of losing its value over time.Consider inflation, on average, the inflation rate in the Philippines over the past years was about 2-3 percent per annum. 

This means that the value of money decreased by 2-3%  per year. If you put your money in the bank, and the bank had a decent interest rate of even 1% per annum (most banks have less than 1% interest per annum), still your money lost 2% of its value. What a waste! Hence, the best way to maintain and grow your money’s value is not through banking but through investing. The best time to start investing is NOW! The earlier you start, the more gains you will accumulate over time. TIME is the best ally of your investment (Compounding Interest).

Here are 7 simple ways you can invest your money

Stock market Investing

1. Stock market investing (peso-cost averaging)
The most common strategy in stock market investing is called Peso-cost-averaging. In this method, you choose a bluechip company and purchase their stocks regularly depending on your preference- weekly,  monthly or quarterly. You don’t need to watch over the market all the time, what is important is that you maintain a regular schedule to buy stocks so you can take advantage of the ups and downs of the market. The over-all cost of your investment will then be averaged and you will notice that your actual cost is lower. The usual timeline for this strategy is 5 years and above.

During the past years, you need a someone to act as your broker so you can invest in the stock market, but today, there are online brokerage platforms that enable you to invest in the stock market using the internet. Just open an account, put funds into it and then start buying the stocks you want. It is that easy!! The other  good news is in most of these online platforms, you only need 5,000 pesos to start!

Some of the most famous online brokerage platforms are :
3.  BDO Nomura

Stock Trading Investing

2. Stock market trading
Stock market trading is a more technical method. A stock trader is required to watch how the market moves all the time and also needs a significant amount of fund to begin. Stock traders take advantage of even the slightest swings of stock prices over short periods of time. For example, you bought 50,000 units of stock A at 3 pesos per stock. In about 2 hours, the price changed to 3.40 pesos, this may seem a very slight price change but since you bought 50,000 stocks, you can sell those and take a profit of 20,000 pesos less the taxes and fees. Not bad for a few hours or minutes of work right? But of course it takes time for a person to get to that level of trading ability.

Bitcoin Investing
3. Crypto-Currency Investing (Bitcoin)
We have seen how Bitcoin has become one of the most effective modes of investment today. This investment is absolutely high risk due to the volatility of its price. Nevertheless, it has been proven to be a perfect choice if you can bear and manage the risk. The price of Bitcoin has grown by almost 30 times over the last 4 years. If you invested 50,000 pesos in bitcoin in November of 2013, your money will amount to over 1.5 million pesos today! The price of 1 Bitcoin is expected to be over 500,000 pesos before the year ends. It is not too late to get involved in Bitcoin, you can buy now and just wait for the price to go up so you can sell for profit. 

Investing in Crypto Currency Alt-Coins
4. Crypto-Currency Investing (Alt-coins)
Other than Bitcoin, there are other crypto-currencies that also have great potential as an investment. You can buy them today and then wait for the price to grow. Some of the most promising Alt-coins are Ethereum (ETH), Litecoin (LTC), Ripple (XRP) and many more. You can find all crypto currencies at Coinmarketcap Website.

Investing in Crypto Currency ICO
5. Initial Coin Offering (ICO) Participation
One of the most popular strategy in crypto-currency is investing in Initial Coin Offerings or ICOs. Same as Initial Public Offering (IPO) in Stock Market, ICOs are basically the time when new companies introduce their currency and ask for interested investors to contribute any amount. In return, investors will earn Coins or Tokens which they can sell as soon as the Currency is launched. This is a perfect investment that does not require huge funds since most ICOs sell their tokens at very low price. The key is to carefully select the ICO that you are going to participate in. You can find the latest ICOs at Coinschedule Website.

Some ICOs you should consider:

Investing in Mutual Funds
6. Mutual Funds
In mutual fund, you entrust your money to a person or a group of fund managers who will invest your money in  any platform. Each participant or investor in the mutual fund will then share the loss or the gains of the fund. In the Philippines, there are many institutions who offer Mutual funds such as PhilAm Life, SunLife, PhilEquity and many more

Investing in VUL
7. Variable Universal Life (VUL)
VUL is another mode of investment that includes insurance. Basically, it is Investment + Life insurance that can be customized based on your preference.  The same companies who offer Mutual Funds offer this type of investment model.

If you are interested in any of the mentioned investing options, you can ask questions using the comment section below or by contacting the Personal Finance 101 FB Page

You can also send an email at saicoperry@yahoo.com/saicoperry20@gmail.com or send a PM at www.facebook.com/perrysaico.

Saturday, November 11, 2017

Why It Is Important To Start Investing Early While You Are Young

By On November 11, 2017
The most common question young people ask today is "Would it be possible to start investing while you are young with limited cash on hand?"

The answer is a big YES! 

There are dozens of investing platforms available today that require as low as few thousands of pesos as starting fund. Financial institutions have done a great job of creating avenues for small time investors to participate in the game. 

In the stock market for example, online Brokers such as ColfinancialBPI TradeFirst MetroSec and many more allow you to start investing at 5,000 PHP of initial fund. Furthermore, companies such as BDOPhilam Funds  and  Sunlife allow you to invest in Mutual Funds with a monthly investment of as low as 1,000 PHP.

Investing Early Online Brokers
Photo credits: http://www.toper.ph/
stock is a type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings. In other words, if you invest in Stock Market and buy stocks, you are literally buying a share or ownership of the company you want.
It is a type of investment wherein you join other investors and corporations to form a massive fund which will be handled by an expert/professional who is called fund manager for diversified portfolios of stocks, bonds, securities, money markets and other mutual funds.

Now, that you know it is possible to start investing early even with little funds, here are some more reasons why you should start investing as early as possible:

1. Learn by doing
It is known fact that the best way to reach financial stability is by engaging into business and investment and not by employment alone. But as young individuals, you surely could not do business yet because since you don't  have enough funds to start. But on the other hand, what you can do now is to start investing! To become profitable as an investor does not take overnight to achieve but rather through years of practice and study. As you start early, you can learn the necessary skills and knowledge overtime so that when you have enough funds to use, you will be able to manage them very effectively.

2. Take Advantage of Compound Interest
Albert Einstein himself called compound interest "the greatest mathematical discovery of all time". We think this is true partly because, unlike the trigonometry or calculus you studied back in high school, compounding can be applied to everyday life.  If you start investing today, even with my little funds, it has more opportunity to grow. Money and time are two best friends. Most of the successful investors and business people we know did not succeed overnight; rather they started early and took advantage of Compound interest to grow their money.

For example:
A single $10,000 investment at age 20 would grow to over $70,000 by the time the investor was 60 years old (based on a 5% interest rate). That same $10,000 investment made at age 30 would yield about $43,000 by age 60, and made at age 40 would yield only $26,000. The longer money is put to work, the more wealth it can generate in the future.
Source: www.investopedia.com

3. You will manage your spending habits much better
Earning money is fun! But at the same time entails more responsibilities. The tendency we have is developing very unhealthy spending habits as soon as we start earning money. Putting your money in the bank or keeping it for yourself encourages that tendency. Since you have full access to your money, you are always tempted to use it whenever you want. Besides, you are expecting more to come in the next 15 days.

But when you start investing, that money is no longer accessible to you 24 hours. This will make you think wiser about the cash you have on hand. You will begin to restrain yourself from the things you want but don't need.

4. Learn the art of calculating and taking risks
Anything that is comfortable is rarely profitable. We knew this concept for a long time already. In order to achieve greater potentials of growth, we have to learn to manage risks. It is a fact that investing platforms that are low at risk have very low returns as well. If you want to acquire greater returns, you have to be courageous enough to take risks and manage them effectively.  And as mentioned, it takes long time of practice to be able to manage these risks. Starting very early gives you the time needed to learn everything about risks.

If you save money in the bank,  it can grow by less than .5% annually. The inflation rate in the Philippines for the year 2016 was .9-2.3% which means if you put your money in the bank, you already lost more than 1% of its value. On the other hand, if you invested in Philippine Stock market, your money would have grown more than 15%.

These are only few of the so many reasons why you should start investing while you are young. This is the time when you have more time to explore and experiment on so many different things. Your tolerance for loss is much more since you don’t have that much of responsibility at hand. You have more time to rebuild and regain from loss. If you want to learn more about investing, you can visit these sites:

Thursday, November 9, 2017

23 Practical Ways To Save Money!!!

By On November 09, 2017
Managing your own finances well is one of the foundations of building a good future. Not only for your own but for your family as well. The earlier we begin to learn this principle, the better it is for us. Here are a few practical money saving tips for you!

1. Saving is a not an option, it’s a necessity
It’s always best to be prepared no matter what

2. Save and then spend
Not the other way around

3. Quit vices
Save your money and health at the same time

4. Master the 30-day rule
Don't be a 1-day millionaire; there are 30 days in a month to consider

5. Invite friends over instead of going out
Home dates or hangouts are so much more memorable and fun

6. Keep track of your expenditures
The best way to know you are overspending is by monitoring every peso you pull out of the pocket

7. Drink more water
Most of the times, you are not hungry, you are just thirsty

8. Master the 10-second rule
Pause for ten seconds and evaluate why you are buying an item

9. Be as debt free as possible
Avoid paying an interest

10. Clean out those closets
You will get surprised you have more in it than you think

11. Eat a heavy breakfast
Or else you will keep hitting the convenience store over and over again

12. Make your own coffee
Enjoy more cups at super low price

13. Minimize midnight snacks
you dont need too much food at night unnecessary

14. Wait for products to mark down
There is always a right time for everything

15. Evolve you entertainment options
Food, movies and shopping are not the only ways of entertainment

16. Don't spend  too much on brands
You can always find somthing of the same quality at a lower price

17. Quit using credit cards
If you can bring cash, that would be better

18. Make your own when you can
You will also learn a lot of things when you do this

19. Borrow books
Buy a new one unless you want to keep it as collection

20. Avoid stress-spending
Don't trust your spending judgment when you are having a bad day

21. Buy used when you can
As long as you know exactly what you need, its ok to buy pre loved items

22. Remember that time is best friends with money
The earlier you save, the more gains you will have over a period of time

 23. Use online banking

Save time and travel expenses