Unsay negosyo nga unique?

[PR0CESS0R]

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If budget is not an issue... Park

Wala gani sa cebu ang roller coaster, gravity max, octopus riding, etc basta tanang rides. Wa jud ta nakadungog ug news nga walay customer ang disneyland or losing.

[AmorsoloX]

kung naa mo unique idea. ayaw daun mo invest ana niya.. ayaw kalimot daghan kaau mo kopya.. pag andam mo daan daghan2x nga kapital to finance your business. then copyright your product.. kung gamay ra inu capital, chances are, naay mo kopya nga mas dako pa nimu capital your dead..

mao bya sakit aning pinoy.. kopya daun sa silingan.. paghimo negosyo or produkto nga dili makopya sa lain..

[lorenzoleo]

Financial Services business ang unique so far.

[AmorsoloX]

Financial Services business ang unique so far.

i would tend to disagree.. dghan kaau microlending biz karon.. financial services is the most capital intensive biz.. but mao pud lowest rate of return. and pinaka risky. naa gani utang worth 100 years.. so basically ma dedz nlang ka. di ghapon mabawi imu utang..

kung sa products, that would be the insurence/trustfund brokerage biz.. kpait lang ani is magsalig ka sa provider companies, wala jud ka inggon nga significant power on pricing and conditions.. and lisud jud ibaligya.. ang mga tao mo spend man jud una sa ila basic needs.. then adto daun sa secondary which is luxury items.. tertiary naman ni mga insurance and mga trust funds.. but i would say importante ghapon ni sila, dapat imu car, house, health insured jud dapat.. (kanang life insurance d ko nahan ana. kung ma dedz ko. ako family maka earn man ghapon thru my businesses)

as of now. sa other countries like the US, faith on the financial services is very low.. this is the worst industry to be in right now.. the whole real estate crises in the western world is due to a failure in the financial services industry..

[lorenzoleo]

i would tend to disagree.. dghan kaau microlending biz karon.. financial services is the most capital intensive biz.. but mao pud lowest rate of return. and pinaka risky. naa gani utang worth 100 years.. so basically ma dedz nlang ka. di ghapon mabawi imu utang..

kung sa products, that would be the insurence/trustfund brokerage biz.. kpait lang ani is magsalig ka sa provider companies, wala jud ka inggon nga significant power on pricing and conditions.. and lisud jud ibaligya.. ang mga tao mo spend man jud una sa ila basic needs.. then adto daun sa secondary which is luxury items.. tertiary naman ni mga insurance and mga trust funds.. but i would say importante ghapon ni sila, dapat imu car, house, health insured jud dapat.. (kanang life insurance d ko nahan ana. kung ma dedz ko. ako family maka earn man ghapon thru my businesses)

as of now. sa other countries like the US, faith on the financial services is very low.. this is the worst industry to be in right now.. the whole real estate crises in the western world is due to a failure in the financial services industry..

Dili man credit akong gi baligya hehehe! Savings and investment akong gibaligya.
Normal na man gud ang pautang na negosyo, how about kung savings imung gi baligya, controversial kaayo ka ani kay murag abnormal ng savings most Filipinoes. Hehehe!

Testingi ug discuss ug todloan ug savings ang usa ka tao na hilig mangutang, mura kag baliwalaon dauton paka. Mao na ma controversial ka. Hehehe!

Nindot ng mag pa lain ta, abnormal sa mga mata sa imung mga kaila. Mao ng nindot kanang murag maka ana sila na abnormal ko kay nag pa lain man sa uso.

Kay ngano sad ma controversial ka? because ang mentality sa tao "Crab" man gud kay kahibaw man sila ni asenso ka anang butanga mao ng birahon ka padung sa ubos but if you have a mindest of a winner, you always find a way to win ug dili naka lisod pa tumbahon kay gahi na man kaayo imung "bullet proof".

I rather choose to be abnormal and have lots of money and wisdom than just being normal and ordinary that has no money little wisdom. Hehehe!

Mao roy nindot ipalit ug shares kung mu crash ang market, Warren Buffet gani pag crash sa US economy last year, ni palit man gani American Stocks. Ang tanaw sa mga tao niya ato kay "Crazy" daw si Warren Buffet, na controversy gani to siya ato. Mao lagi na kung if you have done something abnormal mahug jud kag controversial sa mga tao. Hehehe!

[lorenzoleo]

Buy American. I Am.


By WARREN E. BUFFETT
Published: October 16, 2008
Omaha

THE financial world is a mess, both in the United States and abroad. Its problems, moreover, have been leaking into the general economy, and the leaks are now turning into a gusher. In the near term, unemployment will rise, business activity will falter and headlines will continue to be scary.

So ... I’ve been buying American stocks. This is my personal account I’m talking about, in which I previously owned nothing but United States government bonds. (This description leaves aside my Berkshire Hathaway holdings, which are all committed to philanthropy.) If prices keep looking attractive, my non-Berkshire net worth will soon be 100 percent in United States equities.
Why?
A simple rule dictates my buying: Be fearful when others are greedy, and be greedy when others are fearful. And most certainly, fear is now widespread, gripping even seasoned investors. To be sure, investors are right to be wary of highly leveraged entities or businesses in weak competitive positions. But fears regarding the long-term prosperity of the nation’s many sound companies make no sense. These businesses will indeed suffer earnings hiccups, as they always have. But most major companies will be setting new profit records 5, 10 and 20 years from now.
Let me be clear on one point: I can’t predict the short-term movements of the stock market. I haven’t the faintest idea as to whether stocks will be higher or lower a month — or a year — from now. What is likely, however, is that the market will move higher, perhaps substantially so, well before either sentiment or the economy turns up. So if you wait for the robins, spring will be over.
A little history here: During the Depression, the Dow hit its low, 41, on July 8, 1932. Economic conditions, though, kept deteriorating until Franklin D. Roosevelt took office in March 1933. By that time, the market had already advanced 30 percent. Or think back to the early days of World War II, when things were going badly for the United States in Europe and the Pacific. The market hit bottom in April 1942, well before Allied fortunes turned. Again, in the early 1980s, the time to buy stocks was when inflation raged and the economy was in the tank. In short, bad news is an investor’s best friend. It lets you buy a slice of America’s future at a marked-down price.
Over the long term, the stock market news will be good. In the 20th century, the United States endured two world wars and other traumatic and expensive military conflicts; the Depression; a dozen or so recessions and financial panics; oil shocks; a flu epidemic; and the resignation of a disgraced president. Yet the Dow rose from 66 to 11,497.
You might think it would have been impossible for an investor to lose money during a century marked by such an extraordinary gain. But some investors did. The hapless ones bought stocks only when they felt comfort in doing so and then proceeded to sell when the headlines made them queasy.
Today people who hold cash equivalents feel comfortable. They shouldn’t. They have opted for a terrible long-term asset, one that pays virtually nothing and is certain to depreciate in value. Indeed, the policies that government will follow in its efforts to alleviate the current crisis will probably prove inflationary and therefore accelerate declines in the real value of cash accounts.
Equities will almost certainly outperform cash over the next decade, probably by a substantial degree. Those investors who cling now to cash are betting they can efficiently time their move away from it later. In waiting for the comfort of good news, they are ignoring Wayne Gretzky’s advice: “I skate to where the puck is going to be, not to where it has been.”
I don’t like to opine on the stock market, and again I emphasize that I have no idea what the market will do in the short term. Nevertheless, I’ll follow the lead of a restaurant that opened in an empty bank building and then advertised: “Put your mouth where your money was.” Today my money and my mouth both say equities.

Based on what I have learn from Oracle of Omaha, he has a long term vision. Investments(stocks, mutual funds("EQUITY FUND")) vehicle is good for long term.

There is a psychology behind this lines from Warren

"Be fearful when others are greedy, and be greedy when others are fearful. And most certainly, fear is now widespread, gripping even seasoned investors."

If you wanna be abnormal, follow his advice, I already follow his advice so I am abnormal. Hehehe!

I highlighted some lines that has meaning in it, please read it carefully.

[AmorsoloX]

Dili man credit akong gi baligya hehehe! Savings and investment akong gibaligya.
Normal na man gud ang pautang na negosyo, how about kung savings imung gi baligya, controversial kaayo ka ani kay murag abnormal ng savings most Filipinoes. Hehehe!

Testingi ug discuss ug todloan ug savings ang usa ka tao na hilig mangutang, mura kag baliwalaon dauton paka. Mao na ma controversial ka. Hehehe!

Nindot ng mag pa lain ta, abnormal sa mga mata sa imung mga kaila. Mao ng nindot kanang murag maka ana sila na abnormal ko kay nag pa lain man sa uso.

Kay ngano sad ma controversial ka? because ang mentality sa tao "Crab" man gud kay kahibaw man sila ni asenso ka anang butanga mao ng birahon ka padung sa ubos but if you have a mindest of a winner, you always find a way to win ug dili naka lisod pa tumbahon kay gahi na man kaayo imung "bullet proof".

I rather choose to be abnormal and have lots of money and wisdom than just being normal and ordinary that has no money little wisdom. Hehehe!

Mao roy nindot ipalit ug shares kung mu crash ang market, Warren Buffet gani pag crash sa US economy last year, ni palit man gani American Stocks. Ang tanaw sa mga tao niya ato kay "Crazy" daw si Warren Buffet, na controversy gani to siya ato. Mao lagi na kung if you have done something abnormal mahug jud kag controversial sa mga tao. Hehehe!

if i were you, i would go into the microlending biz.. hehehe. your knowledge is enough to handle such business.. daun you form your own derivatives from such biz.. you should focus more in capital venturing.. wala pa microlending nga naa derivatives.. hehe

technically what your reffering to is brokerage.. getting commisions for selling insurance/mutual funds

tanan businessmen naa ila own world, sa ako experience, most ako classmates from college are trapped in their work, they think im ideas crazy.. ironically, i own investments on some of the companies they work for.. i turined the tables.. its the crazy guy paying for the smart guys.. for accountants, my methods and businesses are what they would consider financial suicide.. thats their opinion.. my cashflow says otherwise.. hehehe

[lorenzoleo]

Bitaw sa, crazy jud bitaw ang pananaw sa imung mga friends samot na ako sa una pag college kay ligoy2x kaayo, taas sad ug buhok. Pero murag karon na usab na akong pananaw sa akong life dapat jud ko mu dream pa jud big, bisan na engineer nako pero dili gihapon ko contented ani na career as engineer. Mao ng I ventured into Financial services.

You feel being allienated by your friends but dili na mao ang maka pa hinder puhun sa akong success, I will prove them wrong. Kinsa mang pride dili maigo anang ana2xon ka na engineer kang dako unya baligya2x nakag Financial ron. Most people kung inganaon siguru sa mga amigo, mu quit jud cguru dayon sa negosyo, SAYOP jud ng mu quit ka kay ma habit na unya na ang cgeg quit mao na kasagaran gusto mag business dili mu lambo kay kung bagyohon ug lisod2x ilang negosyo mu quit man dayon! I always swallowed that pride everytime anaon ko pag daot. Anyway ako sad na found out na it is their problem and they lack vision. I will hang on, and increase my patience. Akong na learn from this business, ni taas akong pasensya, able to treat people good, akong discipline, and still on the state of killing this 9-year old kid inside of me. Kung they don't listen to me kahibaw ra man sad ko in the long run sila ra pud mag apas nako. Pugung sa karon. Kanang 9-year old kid na akong gi mean is kanang usahay murag tapulan ka, murag naay mu hung2x nimu ug kalit na "ayaw lang pag field oi, pakauwaw lang ka kay engineer ka unya nag Financial naka". mao na ang nine-year old naa sa akong mind karon but I must win over that kid. I think tanan successful people ila na ning gi pakatolog ang 9-year old kid sa ilang personality.

Anyway this successful people karon kay ni agi sad sila ani n situation sauna but akong WHY in doing this business is very strong.

[PR0CESS0R]

Sige, banat mo diha discuss about business kay sige ko nag basa sa inyong ideas....

thanks for sharing

[lorenzoleo]

Sige, banat mo diha discuss about business kay sige ko nag basa sa inyong ideas....

thanks for sharing

At first lisod baya kung ikaw nay mahimug boss sa imung kaugalingon kung ang mentality kay employment pa kay naanad ta naay permi mu mando nato. Nag work pa man sad ko karon sa usa ka dako na company but I always manage my time to do my business. After 5 pm until 12 midnight akong mindset ana kay business. As of now 5 hours ra ako katolog. Hehehe! Naadan nako ana na oras. Ako lang i share akong experiences, mao cguru ng gamay ra jud mu take ug risk tungud sa tagsa2x nato na pride. Usahay baya kana atong pride maoy maka pugung sa atong pag asenso.

But kaning mga ni dato jud na successful tinuod humble baya kaayo sila ug tinagdan pati ang pinaka ubos sa ilang mga empleyado ilang treatment kay murag rag kapamilya niya. Unlike na naa ka sa corporate world ang imung manager na amo murag dili ka maka duol kay feeling kaayo nila naa sila sa pwesto. Pero kung maka talk mo with somebody that is successful ma usab inyong pananaw sa inyong kinabuhi kay gusto sad mo mudato pareha niya ka successful. Stay humble lang jud ug permi lag ask ug guidance ni Lord.