PHILIPPINE SMALL BUSINESS AND BAD CREDIT HISTORY

§ September 2nd, 2010 § Filed under Products and Services § Tagged , , , , § No Comments

In an economy like the Philippines, capital is scarce among entrepreneurs, they often results to borrowing from “Bombay” or  Philippine Resident Indians who thrive on financing micro businesses with skyrocket interest rates as high as 20% per month.

Can business apply for soft loans or grants from the government?  With regards to grants it depends on your kind of business.  If you are a for-profit business, then you do not qualify for a government grant. While there are many soft loans available in the country.

However, the Government in collaboration with foreign agencies does provide grants to “…nonprofits, institutions, (and) associations … but rarely are these available to small businesses, and they are never available to cover startup costs, debt and operating expenses.”

The Government does not really lend business owners money, it does provide a guarantee to banks and other financial institution for money lent to small businesses (most of the time thru Department of Trade and Industry like the Small Business Guarantee and Finance Corporation). This loan guarantee mitigates the risk for banks and lenders and makes them more inclined to provide government-backed loans to small business owners who don’t qualify for traditional bank loans since they don’t have track record.

Whatever your capital needs are there are literally hundreds of government financing programs that can benefit your business – from very small loans for start-ups (known as microloans) to export assistance loans, energy efficiency loans, loans for veterans and loans for businesses needing disaster assistance.

In the Philippines there is a scarcity of available government-backed loans, the Government should look into these and increase the government assistance to small businesses.   We suggest a One trillion pesos to support small business operations in the Philippines. One problem that business people encounters is you can never get loan if you have a bad credit history.

Loans for people with bad credit is oftentimes the problem in securing loans whether it be small business loan or personal loans.  Bad credit history often destroys the name and integrity of the borrower and banks and other financial organization shy away and does not provide loans for people with bad credit history.

With the advent and popularity of applying loans online,  unsecured personal and small business loans applications are fairly simple and available to every one, and even granting loans for people with bad credit history. As a trend, they are much simpler and easier to fill out than the paperwork at a traditional bank or other financial lending institution. Client can simply fill out the fields online and once you submit it, the information is electronically retrieved by the lender, and procession takes short period of time compared to banks and other financial institution.

PAGCOR’S CASINO FRANCHISE ON HOLD – A PRELUDE TO PRIVATIZATION

§ August 23rd, 2010 § Filed under Products and Services § Tagged , § No Comments

Despite the Senates agreement on Pagcor Privatization of the Philippine Casino operations, the Government is now keen on suspending privatization of PAGCOR to further study the condition.

Philippine Gamings and Amusement Corporation (Pagcor) said that it was halting applications for casino franchises acknowledging President Benigno “Noynoy” C. Aquino III’s decision to trim the mushrooming of gambling facilities in the country. Meanwhile Jay Santiago, Pagcor spokesperson, said that the move to suspend the granting of franchises had nothing to do with proposals to privatize the state-run gaming corporation.

While some people think that this is just a prelude or preparation to a privatization scheme of the government.

President Noynoy Aquino has expressed alarm over the proliferation of casinos even in areas outside the usual tourist destinations. He has raised the possibility of privatizing Pagcor, which is mandated to operate and regulate casinos.

Casino operators whose contracts will be expiring within the coming months are covered by Pagcor’s directive, according to Santiago.

“Those up for renewal would be carefully reviewed. We will impose the requirement that their operations should be in tourist destinations only,” spokesperson Santiago said.

However there are no rules prohibiting Filipinos from casinos, Santiago said that gambling establishments are primarily meant to entice foreign patrons in the Philippines.

Since its creation in 1977, Pagcor has become a tremendous source of funds for the government, financing various civic projects of the Office of the President, local governments and other agencies.

Meanwhile at the Senate,  Juan Ponce Enrile the incumbent Senate President confirm the the privatization of the multi-billion-peso, state-owned Philippine Amusement and Gaming Corp. (Pagcor) would be a potent weapon to attract tourism in the country.

Senate President Enrile said “I am in favor of privatization of Pagcor but they have to separate the regulatory function because that is government and the operation must be privatized.’’

“It will be more manageable if the government is not involved in the winning and losing in the business. It regulates, it gets its taxes, and gets its share of the income of the operation. I have a draft of this proposal, patterned after the Reno (Nevada) model,’’ he explained.

Sen. Manuel Lapid, chairman of the Senate games, amusement and sports committee, said he favors the privatization of Pagcor “but there should be conditions like a fixed period for the contract.’’

He said that government could terminate or renegotiate with the franchise holder if there is a fixed period for the privatization.

Both senators were referring to the recent proposal of San Miguel Vice President Ramon Ang to pool $10 billion among investors in Malaysia to buy Pagcor.

Senator Manuel Lapid said That the Primary goal of selling a monopoly like the operations of Pagcor is to immediately help the government improve its cash position.

In the world however, online gaming is competing actual casino operations located in tourist areas, list of online casino games can be found over the internet, you could research and read about online slot games where you could discover that casino can be played at the comfort of your own home.

Flags of Nations

§ August 20th, 2010 § Filed under Direct Post § Tagged § No Comments

Flag symbolizes a territory, war or country, is usually a piece of strong quality cloth or fabric.  Flags are use to mount and raise in a pole or wooden stick.  Flags often symbolizes a nation or country. A national flag most importantly is a sign of patriotic pride and aspiration to its own citizen in the design of their own flags.

The very first usage of flags though are for military purposes and used as a coordination symbols on battlefields, and since then flags have been use as an important  tool for  signal and identification, especially in a terrain wherein mode of communication is difficult such as the far flung desert, forest, seas or air.

Armed forces of many country uses different flags use in armed forces, though most of them uses their national flags as a standard symbol like the American flag.

The Philippines flag is unique in the world, the Philippines armed forces use the standard national flag, but during times of war the flag is turned upside down with the red color on top of the blue—the only known case in the world where an upside down national flag signifies that the country is in a state of war.

World Flags.  The united nations flag symbolizes all the nations in the world, there are more than 200 nations in the world and all of them symbolizes in flags.

Where to acquire quality flags?  There is an online store click on their site www.americanflags.com which carry the best flags in the world.   American Flag Store doesn’t sell just American flags, they actually distribute  more than 200 international flags in sizes ranging from 4×6 in. to 5×8 ft. and if there is need of a flag larger than 5×8 ft the store can tailor fit an order.

American Flag store, hosted by Amazon carries over $4 million in inventory and ships 500 to 1000 flag orders a day! The store carry top name brands like Valley Forge and many other military and POW flags. They sell, ship and manufacture higher quality flags faster than the competitor.

In addition to our top brand products, such as Valley Forge Flags; American Flag store is one of the largest manufacturers of American flags and flagpoles in the United States.

English Teas and Candies

§ August 18th, 2010 § Filed under Products and Services § Tagged , , § No Comments

It is a common fact that the best tasting teas in the world comes from mainland China and Japan, and the teas is considered the most important beverage in the world.  Tea was accidentally discovered in China when leaves fall into boiling water, the taste and aroma was great and  since then the tea has been used by the emperor and noblemen of China.  Teas are best taken with oily foods and sweets like candies and cookies, and are a natural stabilizers and cleansing agent of the digestive system.

Today there are different variants of Tea that that caters to the western taste, One of the best tasting tea that could be considered one of the best in the world came from Europe, be introduced to a full bodied best tasting tea – no other than English Tea.  English tea is a great tasting gourmet tea at superb and refreshing aroma and taste and at supermarket prices. Be sure to try English Tea a must for all tea drinkers in the world!

Different brand of English teas provides gourmet taste and thereby offer you the finest tea money can buy. If you haven’t tried English Tea, Just try it and you will be avid fan!  English style tea bags are without strings and tags. The English style bags are better for brewing tea in a teapot or kettle, because strings usually would tangle around our spoon when stirring the tea.

English Tea you could choose from are English Breakfast Tea & other British Favorites like Refined Breakfast teas, Irish Breakfast Tea, Scottish Breakfast Tea, Buckingham Palace Garden Party, English Teas are best taken with cookies and Christmas pudding and Christmas candy.

Other variety of tea that can come with any kind of food is Earl Grey-  Earl Grey Tea which is very light and has a refreshing flavor.

Greeting Cards is Coming To Town!

§ August 18th, 2010 § Filed under Products and Services § Tagged , , § No Comments

Christmas is near, Greeting Cards is Coming To Town!

Countries is fond of sending Christmas greeting cards in this cyber sociology age, Christmas greeting cards is a traditional sign of respect for elders and love ones. Great looking or simple business Christmas cards is one of the highest form of expression to show our love and care to a person, the thoughts of receiving this cards is priceless.

When you are in business, showing care and respect to your clients by giving a personalized holiday cards is the best protocol any business can do, it does not matter whether you are a big business or a small or medium size business, what matters most is you cared for your loyal customers, suppliers, buyers and contractors.

Not only greeting cards can express a Christmas holiday notes, other important occasions is also an important marketing tool for expressing gratitude, congratulations and  to a newly-promoted colleague or staff, or thanks to a caring friend. Birthday Greeting cards can be used how much a company care for its staff.   Likewise a condolence card shows utmost sympathy to those mourning loved ones or employees, or a touching welcome greeting cards to welcome new faces to the neighborhood, school or company.

Personalized or customized greeting cards are used to express just about every emotion and to mark nearly any occasion..  and the company that could take care of all your greeting cards requirement is at Printe-z.com

At Printe-Z, some of their greeting cards come with distinctive verses already included, and many others allow for the addition of custom verses or composing your own wording, you allow your unique corporate personality or mission to be promoted.  Other than business greeting cards, other business forms including personal checks are also printed by Printe-Z.   Recipients are much more impressed by Business personalized greeting cards that contain customized name of Company or corporation other than those with standard designs.

Cameras for Different Purposes

§ August 14th, 2010 § Filed under Direct Post, Products and Services § Tagged , , , , § No Comments

We have been fed up by the thought that cameras are just for pictures. However, with the advancements that were made with our technology, cameras now are created for different purposes. Besides taking pictures, cameras now are also being used as part of security systems that are in turn being used for protecting homes. They are called Security Cameras. The functions are still the same. It is capable of taking pictures but what is more important is that it is capable of recording and playback functions. That makes it an effective tool that can be used for security and protection. With the use of these cameras, there is no doubt that your home will have the best protection ever. Cameras for different purposes seem to be just a dream before but now, it has been made into a certain reality.

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Philippine Casinos for Privatization

§ August 14th, 2010 § Filed under Products and Services § Tagged , § No Comments

Philippine Casinos for Privatization:

The bid Philippine Casino corporation or PAGCOR (Philippine Amusement and Gaming Corporation) for  Ten (10) Billion dollars by VP Ramon Ang of San Miguel Corporation is one of the hottest topics in the country today.

PAGCOR however express views that such purchase or turnover may take three to five years as this motion takes long congressional approval.

Pagcor’s mission is mainly to generate sources of additional revenue for the government to fund its infrastructure and socio-civic projects. It also has a social mission to extend assistance to crucial sectors such as sports, health, education, peace and order and the development of local government units.

Many Local government officials which host PAGCOR Casinos feared that private owners might now focus mainly on promoting gambling to generate more revenues and not on mainly raising money to fund government projects.

Casinos generates much revenue that it provides the lion’s share in contributing to the Government’s Social needs.

Meanwhile gaming on the internet is not a regulated industry, hence online casino real money games on the internet skyrocketed like never before.  PAGCOR may also consider online gaming.  In the united states these usa online casinos becomes a phenomenon, it offers convenience where people don’t have to leave their homes to play, gamers use credit cards to bet on the games.

In the Philippines, Government controlled the casino industry, that why the news of it’s privatization is a great way to attract big foreign gambling giants to enter the Philippine market.

Moreover, the Philippine lawmakers, said that the privatization plan of one of the government’s top revenue earners should be studied very carefully and of course with the participation of Congress.

Senate president Juan Ponce Enrile favored the privatization plan but the Pagcor charter (Republic Act No. 9487) should be amended first to separate the regulatory and the operation functions of the government-owned corporation.

Enrile said ”I’m in favor but they have to separate the regulatory function because that is a government and the operation must be privatized. It will be more manageable if the government is not involved in the winning or losing in the business,”   Enrile strongly agreed with Ramon Ang, vice chairman of the country’s giant food conglomerate San Miguel Corporation, that the privatization of Pagcor could transform the Philippines into a tiger economy.

”You know, that could be a catalyst for tourism. In fact, PAGCOR is a very potent weapon to attract tourism in the country, if we are enlightened enough to use that instrument,” Enrile said.

Government Must Be Ready for Natural Disasters

§ August 14th, 2010 § Filed under Products and Services § Tagged , , , § No Comments

Any country is not spared by major natural disasters, recently strong typhoons and hurricanes our threatening our nation. The national disaster control team are again on their foot preparing for the worst scenario, and they must be equip with materials they need.

In an economy during disaster period whether  it be a typhoon or hurricane or any emergency period for that matter, materials such tarps and canvas is indispensable need.  Not all tarp though are heavy duty, there are medium weight materials that can be use in short term conditions like typhoon or hurricane tarps , which is a temporary shelter covering or roof tarps, which the disaster units of government are giving out to people before typhoon.

The most dependable tarp supplier in the market today is Tarps1 – visit their site at www.tarps1.com, they are the supplier of poly tarps that comes with a heavy duty or medium duty materials.   They also carry canvas tarps that is made from heavy duty materials and water resistant.

Tarps.1 comes a myriad choices of quality tarps and comes with different sizes, usage types and quality and with the colors you want.  The most popular are the heavy duty tarps in  both silver and white color.

Getting Salary Loan from Superiorpayday.com

§ August 11th, 2010 § Filed under All § No Comments

Some bad things may happen to good people especially in this tough times, and in the event that we encounter a difficult financial situation we have no other recourse but to look where we could secure loan, either personal, get cash advance or go into a formal financial institution.

One of the popular way to secure loan especially for the employed is the salary loan or the payday loans. They are different from other common or conventional loans which has a long list of requirements, and most especially the fear of being declined. Applying the payday loans and cash advance, for more information please visit www.superiorpayday.com and you don’t have to worry about being disapproved, even if you have case of bad credit history. Choose the best lending product that will suit you.

School Franchise Creates Significant Impact to the Nation

§ August 8th, 2010 § Filed under All, Philippine Business Franchise, education, private colleges & universities § Tagged , , , , , , § No Comments

A Philippine school franchise that makes lasting beneficial impact to the nation specializes in E-Commerce and Cyber and Information technology education, is called Asian Institute of E-Commerce.  This computer school franchise is founded in 2003 by a group of young internet savvy professionals. Many businessmen and who search for an a supplementary business that would help their particular industry, and this is might probably to help the country produce quality IT Professionals.

School business offers a tremendous social significance especially in the Philippines where Information Technology and cyber knowledge is a sunshine industry.   If you want to be competitive and at the same time have a fulfilling business, This particular Philippine school franchise is definitely what the country needs so we could compete with the rest of the world.

The Philippine school business franchise of AIE understands the social relevance of Information technology studies and the role of cyber technology in the lives of Filipinos. With the passing of the Philippine E-Commerce law, these kind of discipline in IT and E-Commerce is a necessity in the lives of Filipinos as workplace in almost all kind of discipline and career has become digitized. With thirty million (30 million) Filipinos using the internet as of 2010, Web and Information technology applications have great advantage on the countries e-commerce future.  Moreover with the promotion of this Philippine school business franchise, the Nation could hasten to patch up the industry need for competitive and efficient IT professionals.

Hence a Philippine school franchise that specialized in cyber technology and Information technology perfect in this point in time of our history. This particular Philippine education franchise offers formal and technological courses in the field of Information technology and business education and E-Commerce technology. The study starts with the foundation skill in the computer architecture, study of computer programming logic and programming software studies, on the side the student can also delve into study of different related field like hardware servicing, computer graphics and web development.  The school franchise also teach students the opportunity to excel in areas of cyber technology and web programming, students can complete a choice of Diploma in Information Technology, Diploma in E-Commerce, Diploma in Computer Engineering or short courses certificates.  It also offers Diploma in Hotel and Restaurant Management that has a great demand here in the Philippines and abroad. This Philippines school franchise is the most significant to ever happen in the Philippine Business scene, businessmen can give back to community by helping students fulfill their dreams and help the industry for computer technology and help the Country eventually.

For more information about how to avail of the Philippine School franchise of AIE.

Brand name: Asian Institute of E-Commerce
Category: School
Investment required: P2.0 to 2.5M
Franchise involved: One (1) unit education franchise
Contract: 10 years renewable
Franchise Fee: P350,000
Royalty Fee: 7%
Contact Person: Mr Jong Bondoc  Contact number: 09175070707
Email: aiecollege@ymail.com

Website: schoolfranchise.net and  aiecollege.edu.ph

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