Cheap Holiday Deals Ebooks to Make Money Online

For three days you can get cheap holiday deals from ProBlogger. You can save 50% on these three great Problogging eBooks that can help you make money online in 2012 and beyond.


Deal #1: If you’re just getting started ….

Get First Week Of Blogging – $9.99 and it’s yours!

ProBlogger’s Guide to your First Week of Blogging guides you, step by step, through your first week of blogging so you can make the most of those critical first few days while setting up your blog.

It covers: niche selection, audience targeting, content planning, social media and promotions, post ideas and more.

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(Normally $19.99, but you can get it now for only $9.99 through Friday December 23rd)


Deal #2: If your plans are to turn your blog into a page view power house next year …

31 Days To Build A Better Blog (2012 edition) just $14.99!

New and updated for 2012, 31 Days to Build a Better Blog is a downloadable ebook designed to help you revitalize your blog. One step at a time, it will transform your blog into the page view powerhouse you’ve always dreamed of — because we all love seven digit numbers on google analytics!

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See Clicknewz Review This is a great workbook that you can print and keep on your desk. It’s a great guide to refer back to time and again as you continue blogging!


Deal #3: If your plans are to start earning real money from your blog in 2012 …

The Bloggers Guide To Online Marketing (normally $99) now $49.99.

A comprehensive, 31 chapter blueprint for your blog’s ongoing profitability – right from the ground up (AKA more cash!). Backed by an extensive library of practical templates, printable worksheets, and in-practice example documents, this kit delivers all you need to make your blog turn a profit now, and over the long term.

Click here for details & 50% off (Normally $99, but you can get it now for only $49.99 through Friday December 23rd) See Clicknewz Review.

These 3 deals are good for 3 days only, so make sure you don’t miss your chance to pick up a last minute Christmas bargain.

Note: These half-price deals are only good until Friday 12/23, so you’ll want to act fast if you want a head start on having an AWESOME blog in the New Year!

The Best Stocks to Invest in for Long Term Return on Investment

What are the best stocks to invest in right now in the Philippine Stock Market? There are many best stocks to invest your money from more than two hundred Philippine Stock Exchange (PSE) listed companies. For Citiseconline, the number 1 online stock broker in the Philippines, they suggested good stocks to invest in from profitable companies – companies that they believe will be around for the next 10 years or more. Ayala Land Incorporated, Bank of the Philippine Islands, Jollibee Foods Corporation, Manila Water Company Incorporated, SM Prime Holdings Incorporated and Philippine Long Distance Telephone Company are six of the best companies to invest in for long-term investments that also offer high rate of returns, for most of them are best dividend stocks.

Ayala Land Inc. (Stock Symbol ALI)

Ayala Land, Inc. (ALI) was organized in 1988 when Ayala Corporation decided to spin-off its real estate division into an independent subsidiary to enhance management focus on its real estate business. ALI went public in July 1991 when its class B common shares were listed both in the Manila and Makati Stock Exchanges. On September 12, 1997, the Securities and Exchange Commission approved the declassification of ALI’s common class A and common class B shares into common shares.

ALI has organized its operations into several core businesses and support businesses. Its core businesses are composed of strategic landbank management, residential development, shopping centers, corporate businesses, and geographic businesses. On the other end, ALI’s support businesses consist of construction, hotels, property management, and waterworks operations. ALI also derives other income from its investment activities and sale of non-core assets.

In the last three years since 2005, ALI pursued major land development projects, residential and office condominium development, and shopping center operations. Its ongoing land development projects include Abrio at NUVALI, Ayala Westgrove Heights, Ayala Greenfield Estates, and Ayala Northpoint. Residential condominium and townhouse projects undertaken in the past three years included The Residences at Greenbelt. Aside from the traditional office buildings, ALI completed three build-to-suit office buildings for BPO firms. ALI also introduced in 2005 its first leisure community project, Anvaya Cove.

Contact Information
Business Address: 29/F Tower I, Ayala Triangle, Ayala Avenue, Makati City 1226
Telephone No/s.: 848-5000; 848-5313/5675
Fax No.: 848-6059
Email Address:
Company Website:

Bank of the Phil. Islands (Stock Symbol BPI)

Founded in 1852, Bank of the Philippine Islands (BPI) was incorporated on January 4, 1943 and went public on October 12, 1971. In the post World War II era, BPI evolved from a purely commercial bank to a fully diversified universal bank with activities encompassing traditional commercial banking as well as investment and consumer banking. This transformation into a universal bank was accomplished mainly through mergers and acquisitions when it absorbed an investment house, a stockbrokerage company, a leasing company, a savings bank, and a retail finance company.

BPI has two major categories for products & services. The first category covers its deposit taking and lending / investment activities. The second category covers services other than and auxiliary to the core deposit taking, lending, and investing business, and from which is derived commissions, service charges & fees from turnover volume.

BPI’s principal subsidiaries are composed of BPI Family Savings Bank, Inc., BPI Capital Corporation, BPI Leasing Corporation, BPI Direct Savings Bank, BPI International Finance Limited, BPI Express Remittance Corporation, Bank of the Philippine Island (Europe) Plc, Ayala Life Insurance, Inc., and BPI/MS Insurance Corporation.

As of December 31, 2007, BPI operated 830 branches, 1,485 ATMs and 13,181 point-of-sale terminals, to support its delivery of services. BPI also serves its customers through alternative electronic banking channels such as telephone, mobile phone, and the internet.

Contact Information
Business Address: BPI Building, 6768 Ayala Avenue, Corner Paseo de Roxas, Makati City 1200
Telephone No/s.: 818-5541 to 48; 845-5245
Fax No.: 818-8801; 816-9421
Email Address:
Company Website:

Jollibee Foods Corp. (Stock Symbol JFC)

Jollibee Foods Corporation (JFC) was incorporated on January 11, 1978. JFC’s principal business is the development, operation, and franchising of fast food stores under the trade name “Jollibee”. In the Philippines, JFC also has as subsidiaries, Fresh & Famous Foods, Inc., which develops and operates and franchises quick-service restaurants under the trade names “Chowking”, “Greenwich”, “Delifrance”, “Manong Pepe’s”, and “Red Ribbon”. JFC also has subsidiaries and affiliates overseas which develop and operate its international brands, “Yonghe King” and “Chun Shui Tang”.

JFC operates its central commissary in Calamba, Laguna through a wholly owned subsidiary, Zenith Foods Corporation. This commissary serves stores located in Luzon, Visayas and Mindanao, and has the capacity to service 800 stores. JFC operates another commissary in Mandaue City through wholly owned subsidiary Vismin Foods Corporation, to service the Visayas and Mindanao areas.

By the end of 2007, JFC had a total of 619 stores nationwide, of which 321 are franchised and 298 are company-owned. The company also had 33 stores overseas as of end-2007.

Contact Information
Business Address: 10/F Jollibee Plaza Building, Emerald Ave., Ortigas Center, Pasig City 1600
Telephone No/s.: 634-1111
Fax No.: 633-9504
Email Address:
Company Website:

Manila Water Company Inc. (Stock Symbol MWC)

Manila Water Company, Inc. (MWC) was incorporated on January 6, 1997 to provide water delivery and sewerage and sanitation services to a broad range of residential, commercial and industrial customers. Under the terms of the Concession Agreement entered into on February 21, 1997 with the Metropolitan Waterworks and Sewerage System (MWSS), MWC was granted exclusive rights to service the East Zone as an agent and contractor of MWSS. Under the agreement, MWSS granted MWC the use of MWSS’ land and operational fixed assets. The agreement also granted MWC the exclusive right, as agent of MWSS, to produce and treat raw water, distribute and market water, and collect, transport, treat, dispose and eventually re-utilize wastewater, including reusable industrial effluent discharged by the sewerage system for the East Zone.

The East Zone encompasses parts of Manila, San Juan, Taguig, Pateros, Antipolo, San Mateo, Rodriquez, Marikina, Pasig, Mandaluyong, Makati and most of Quezon City. MWC also manages and operates the sewerage system that covers a portion of its service area, and provides sanitation services (including desludging of septic tanks) to its customers in the East Zone.

MWC’s principal shareholders include the Ayala Corporation, United Utilities Pacific Holdings BV, Mitsubishi Corporation, BPI Capital Corporation and the International Finance Corporation.

Contact Information
Business Address: MWSS Administration Building, 489 Katipunan Rd., Balara, Quezon City
Telephone No/s.: 926-7999 loc. 8131; 981-8122
Fax No.: 981-8170
Email Address:
Company Website:

SM Prime Holdings, Inc. (Stock Symbol SMPH)

SM Prime Holdings, Inc. (SMPH) was incorporated on January 6, 1994 to develop, conduct, operate and maintain the business of modern commercial shopping centers and all related businesses. The company’s main sources of revenues include rental income from leases in mall and food court, cinema ticket sales and amusement income from bowling and ice skating. As of December 31, 2007, SMPH operated 30 SM Supermalls, five (5) of which were operated by the company’s subsidiaries.

SMPH’s subsidiaries are First Asia Realty Development Corporation, Premier Central, Inc., Consolidated Prime Development Corporation, Premiere Southern Corporation, San Lazaro Holdings Corporation, and First Leisure Ventures Group, Inc.

Contact Information
Business Address: SM Corporate Offices, Building A, J.W. Diokno Boulevard, Mall of Asia Complex, Pasay City 1300, Philippines
Telephone No/s.: 831-1000 (Investor Relations – Ext. 1406)
Fax No.: 833-8991
Email Address:;
Company Website:

Phil. Long Distance Telephone Co. (Stock Symbol TEL)
Philippine Long Distance Telephone Company (TEL) was incorporated on November 28, 1928 following the merger of four telephone companies under US ownership, namely, Philippine Telephone and Telegraph Company, Cebu Telephone and Telegraph Company, Panay Telephone and Telegraph Company, and Negros Telephone and Telegraph Company. In 1967, effective control of TEL was sold by General Telephone and Electronics Corporation to a group of Filipino businessmen.

TEL is a telecommunications service provider in the Philippines. Through its three principal business groups – wireless, fixed line, and information and communications technology – TEL offers a wide range of telecommunications services to its subscribers in the Philippines. TEL’s subsidiaries and affiliates include Smart Communications, Inc. and Pilipino Telephone Corporation, both cellular service providers, and ePLDT, an integrated information and communications technology provider.

Contact Information
Business Address: Ramon Cojuangco Building, Makati Avenue, Makati City
Telephone No/s.: 814-3552; 816-8024; 816-8117; 816-8405
Fax No.: 810-7138
Company Website:

According to Bo Sachez, these solid, great companies will make you rich in 20 years if you just regularly invest P5,000 of your investable money every month. Buying stocks of great companies through Money Cost Averaging is one great investment opportunity that can make you retire a millionaire.

In buying good stocks to invest in, here’s one of the great rule Warren Buffet always follow in investing in the stock market. “Be fearful when others are greedy, be greedy when others are fearful.” But the richest man the stock market has ever made said, “Only buy something that you’d be perfectly happy to hold if the market shut down for ten years.”

Hope you find some good stocks to invest in right now.

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How to Save Money Every Month Using UnionBank Online Banking Services

THERE are many tips on how to save money every month. One of this is using UnionBank online banking. You may ask, “Can I really save money from online banking?” Yes, you can! I’ll explained to you how I save money using online banking services.

Photo credit:

UnionBank Online Banking
I’m using UnionBank online banking through my EON Visa Debit Card Cyber Account. The EON Visa Debit Card is UnionBank’s internet-based deposit account with no minimum balance to maintain. It allows me to do absolutely all my banking transactions in a click of a mouse. I can even make electronic fund transfers to any bank in the country — anytime, anywhere!

The EON Visa Debit Card is able to provide me with cutting edge features never before possible in the history of Philippine banking. It has no branches, no passbooks or checkbooks, no transaction slips, no time wasted, but I can do my banking transaction in 60 seconds at home, or anyplace where I have internet access. This is the fastest, the most convenient way to bank!

How I Save Money from EON Cyber Account Online Banking
I save money by paying my bills online. UnionBank EON Visa Debit Card makes paying my bills easy and convenient by choosing one-time or scheduled payments to more than 50 billers onboard from, utilities, credit cards, insurance, telephone services and others. Currently, I’m paying my billings on UnionBank Visa Credit Card, Smart Bro for my broadband internet connection and Meralco for my electricity use. I just log in to my EON Cyber Account, enter my billing details – the corresponding reference number and the amount to be paid.

EON Visa Debit Card is my savings account where I deposited some of my online business earnings. I usually withdraw money from this savings account to pay my bills. And by using UnionBank free online banking services, I save P40.00 withdrawal fees every time I withdraw money from my EON Visa Debit Card account at the nearest ATM machine from our home in Muzon, San Jose del Monte City, Bulacan. P12.00 from UnionBank and P28.00 from Country Rural Bank of Taguig.

I save money from travelling and other increment expenses if I choose to pay my billings offline. Usually, I spent P200.00 – P300.00 in paying my UnionBank Visa Credit Card at SM Fairview or to the nearest UnionBank branches. I also save on gasoline from using my Honda Wave 100 in paying for Smart Bro and Meralco at the Bayad Center branch inside Muzon Market.

Moreover, I also save time. I used this precious time to work on my profitable online business ventures. I’m doing research and writing articles for my blogs, engaging in social media, marketing affiliate products and services, learning Search Engine Optimization (SEO) and other things that will strategically build my retirement investments online. And this is the best MONEY SAVINGS I got.

Using online banking services may not be the best way to save money but it really adds to my other money-saving strategies. And, if you are trying to save some money, getting discounts through coupons can help cut your monthly costs significantly.

What are your ways to save money? What are you doing to become a money-saving expert? Feel free to comment on this post and share your ideas and knowledge. Thank you.

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How Does the Philippine Stock Exchange Protect Your Rights as an Investor?

Many people shy away from investing their investable funds in the stock mark. They’re afraid of losing their hard-earned money in this high-risk investment instruments.

Jay G. Peñaflor, our speaker in the BusinessCoach’s How to Invest in the Stock Market seminar on April 16, 2011, attested that you can lose money in the stock market if you’re not vigilant enough. But if you can gather all available information about your investments, gain sound knowledge on the stock market trends and not greedy, you can attend success in your stock market investing.

The Philippine Stock Exchange (PSE) Sr. Market Education Specialist said that Filipinos should not afraid to invest in the stock market, for stock market investors’ money are well protected. And as long as it is diversified and not placed in one basket, the risk of losing money is minimal.

In the Building Wealth with Stocks, A Basic Guide to Investing in the Philippine Stock Market, I learned that PSE and Securities and Exchange Commission (SEC) have put in place several safeguards that promote transparent, fair, and organized buying and selling of stocks where every investor, big or small alike, are protected from fraud, manipulative trading practices and erring stockbrokers.

Here are several safeguards that promote transparent, fair, and organized buying and selling of stocks.

Self Regulatory Organization Status
The PSE is a Self Regulatory Organization (SRO) as granted by the SEC. As such the PSE acts as the “police” of the stock market and it is the SRO status that empowers it to formulate marketplace rules, and impose penalties or sanctions to market participants who will not comply with these rules.

Customer First Policy
Further, PSE regularly monitors and audits the operations of stock broker. It ensures that business and trading practices of stockbrokers conform with the laws stipulated in the Securities Regulation Code of the Philippines including the Customer First Policy, whereby stockbrokers’ orders must always surrender priority to their client.

Risk Based Capital Adequacy
The Risk Based Capital Adequacy is a PSE regulation that ensures that stockbrokers have enought capital to cover its exposure to risks. It also ensures that stockbrokers are financially sound or liquid enough to promptly settle claims and other obligations to client.

Disclosure Rule (10-minute Rule, Online Disclosure System, and Selective Disclosure Rule)
Since timely and reliable company disclosures are essential components of a fair and efficient market, the PSE also sees to it that listed companies promptly disclose only factual and truthful information.
In fact, the PSE requires that material information that may affect a listed company’s share price positively or negatively, are disclosed within 10 minutes after its occurence. This rule embodied in the 10-minute Rule.

Disclosures must also be done first to the PSE so that it will cascade information to every investor and general public through its communication channels and not to a selected group of individuals only. This is also known as the Selective Disclosure Rule.

Also disclosures are transmitted through a sophisticated computer system known as the PSE Online Disclosure System or OdiSy. Non-compliance or violations of listed companies to PSE Disclosure Rules are heavily penalized with fines, suspension, or even delisting from the PSE.

Advanced Warning and Control System
The PSE regulates the stock market through its Market Regulatory Division (MRD). It monitors the market through a word-class and sophisticated surveillance system called Advance Warning and Control System or AWACS.

AWACS is equipped with the critical elements of the surveillance process and provides a robust monitoring and warning mechanism. It is designed to protect the integrity of the equities market from fraud, manipulation, and breaches of marketplace rules, It monitors and detects unusual stock price or volume movement possibly brought about by insider trading and other manipulative trading practices. From the information provided by AWACS, MRD conducts investigation or unusual price and volume movements to identify and prosecute stockbrokers or investors who might have committed price manipulation practices.

Market Integrity Board
The Market Integrity Board is independent body created by the PSE to oversee stockbrokers’ compliance with the rules governing market transactions.

Securities Investors Protection Fund
Another tool created for the protection of investors is the Securities Investors Protection Fund, Inc. or SIPF. The SIRF, which is comparable to the Philippine Deposit Insurance Corporations providing insurance for bank deposits, seeks to build and enhance investor’s confidence in the market and is envisioned to protect the investing public from extraordinary losses, other than the ordinary market fluctuation, arising as a result of fraud, failure of business, or judicial insolvency of PSE-accredited stockbrokers. Protection to investors is automatic upon the opining of an account with a PSE-accredited stockbroker and given by way of compensation for trade-related obligations of stockbrokers to its customers.

These safeguards, along with other investor protection initiatives of the Philippine Stock Exchange, serve to protect the health of the equities market and the integrity of capital formation process, making investing in the Philippine stock market secure.


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