Monday, October 28, 2013

Online Stockbrokers in the Philippines

List of PSE Registered and Licensed Online Stockbrokers in the Philippines

If you are interested in online stock investing and or trading, here's a list of PSE Registered and Licensed Online Stockbrokers in the Philippines:

Broker ID: 112
Business Address: Unit 1401-1403, 14/F Tower One & Exchange Plaza, Ayala Triangle, Ayala Avenue, Makati City
Telephone No: 898-7555
Exchange No: 891-9135
Fax No.: 898-7596
Email Address:
Company Website:
Minimum Investment (amount to open an online trading account): P10,000
Account Funding: through any Metrobank branch using ABCSI’s savings account
Broker’s Commission: 0.25% based on the total gross selling proceeds or a minimum of Php20.00 for both buyers and sellers.

Broker ID: 102
Business Address (Main): 2904-A East Tower, PSE Center, Exchange Road, Ortigas, Pasig City, 1600
Telephone No: (632) 667-8931
Exchange No: 634-6993; 634-6842
Fax No: (632) 634-2109
Email Address:
Company Website:
Minimum Investment (amount to open an online trading account): P10,000
Account Funding: Through Metro Bank, RCBC, BDO
Broker’s Commission: 0.25%of the Gross Trade Amount

Broker ID: 103
Business Address: G/F, Unit EC-05B, PSE Centre-East Tower, Exchange Rd., Ortigas Center, Pasig City
Telephone No: +63 (2) 588 1900
Exchange No: 687-0911; 687-0936
Fax No: 687-3738
Email Address:
Company Website:
Minimum Investment (amount to open an online trading account): P5,000
Account Funding: via BDO deposit, BPI Express Online, Bancnet/Megalink or Gcash thru Weepay Online Payment
Broker’s Commission: 0.25%of the gross trade amount, or Php20 for minimum volume traded, whichever is higher

Broker ID: 110
Business Address: Suite 2003-2004, The Peak, 107 L. P. Leviste Street, Salcedo Village, Makati City
Telephone No: 848-2915; 810-0930; 848-2564
Exchange No: 891-9115
Fax No: 848-2572
Email Address: /
Company Website:
Minimum Investment (amount to open an online trading account): P5,000 for students and P15,000 for professionals
Account Funding: Metrobank deposit or wire transfer
Broker’s Commission: 0.25%or P20 for minimum volume traded

Broker ID: 126
Business Address: 8/F BPI Head Office Building, Ayala Avenue corner, Paseo de Roxas, Makati City
Telephone No: 816-9190; 816-9192; 845-5541; 845-5543; 845-5289; 816-9678; 845-5735; 816-9554
Exchange No: 891-9930; 845-5541; 848-5543; 845-5545
Fax No: 818-7809; 845-5733
Email Address:
Company Website:
Minimum Investment (amount to open an online trading account): No minimum. To start trading, account must be funded.
Account Funding: BPI
Broker’s Commission: 0.25%on the gross value or a minimum commission of Php20.00

Broker ID: 203
Business Address: 2403B East Tower, PSE Centre, Exchange Road, Ortigas Center, Pasig City
Telephone No: 6-515-888
Fax No.: 634-6958; 645-4632
Email Address:
Company Website:
Minimum Investment (amount to open an online trading account): P5,000 for COL starter
Account Funding: BPI, BDO, Metrobank
Broker’s Commission: 0.25% of the gross trade amount

Broker ID: 162
Business Address: 17/F Lepanto Building, 8747 Paseo de Roxas, Makati City
Telephone No: 856-7680
Exchange No: 634-5171; 634-6917; 634-5390 to 91; 634-6217 to 18
Fax No: 813-0865
Email Address
Company Website:
Minimum Investment (amount to open an online trading account): P25,000
Account Funding: BDO, RCBC
Broker’s Commission: 0.25% on gross value or Php 20.00 whichever is higher

Broker ID: 267
Business Address: 18/F, PS Bank Center, 777 Paseo de Roxas corner, SedeƱo Street, Makati City
Telephone No: 859-0600
Exchange No: 891-9514 to 17
Fax No: 859-0699
Email Address:
Company Website:
Minimum Investment (amount to open an online trading account): For clients with a MetrobankDirect account, there is no minimum amount required to open an online trading account. For clients with no Metrobank Account, initial deposit of at least P 25,000.00 is required.
Account Funding: Metrobank
Broker’s Commission: 0.25% on gross value or Php 20.00 whichever is higher

Broker ID: 217
Business Address: 7/F, Yuchengco Tower, RCBC Plaza 6819 Ayala Avenue, Makati City
Telephone No: 889-6931 to 35

Exchange No: 845-2641
Fax No: 889-7642
Email Address:
Company Website:
Minimum Investment (amount to open an online trading account): P10,000
Account Funding: RCBC
Broker’s Commission: 0.25% on gross value or a minimum of P45 if you are living in the Philippines or P495 if you are living outside the Philippines, whichever is higher.

Broker ID: 269
Business Address: 21/F, East Tower – PSE Centre Exchange Road, Ortigas Center, Pasig City
Telephone No: 634-5038 to 42; 637-3048 to 50
Exchange No: 634-6222; 634-6225 to 29
Fax No: 634-5043
Email Address:
Company Website:
Minimum Investment (amount to open an online trading account): P10,000
Account Funding: Deposit through Union Bank, East West bank, BDO, RCBC, BPI, Metrobank
Broker’s Commission: 0.25% on gross amount of purchases or selling price

Source: -

Sunday, October 20, 2013

The Global Filipino Investor in Cagayn De Oro

We are proud to present to you our very first event in CDO! For this event, the best selling author "Entrepchamp" Paulo Tibig will be joining us to discuss the basics of building a business together with your TGFI admin team;

Paulo Tibig on Entrepreneurship 101
Floi Wycoco on Personal Finance 101
Dean Ebona on Fundamental Analysis 101
Magellan Fetalino on Technical Analysis 101

Our event will be held in Deluxe Hotel Camp Vincente Roa St CDO!

Get a chance to learn the proper way of multiplying your hard earned money by attending this event!

Early Bird Rate is only P788 with SNACKS and UNLIMITED COFFEE included already!
Regular Rate: Php 888
Please forward your participation fee to 

BPI Savings Account
Khristian DP Santos 

For paypal, our email ad used is 

After sending please email us with the copy of the transaction slip at,,

Private Messages via Facebook will also be entertained.

Reserve your slot/s now!

For inquiries please call: 09176330188 Dexter B./ 
09231588586 Floi 

[Poster credited to the artistic mind of Rex Holgado]

Julie's Bakeshop in INDONESIA

Congratulations Julie's Bakeshop! From a humble beginning in Cebu 30 years ago, now 2013 in INDONESIA! We are certainly proud of your achievements and bringing Pride on every Filipino. Yan ang Galing Ng Pinoy !

Friday, October 18, 2013

'KUROT' Principle...


Ano ‘yung Kurot Principle? Ay, ang ganda nitong Kurot Principle na ito. To better understand this, I will tell you a story of a person na balak bumili ng cellphone worth P1,000. Nagkataong mayroon siyang P100,000 na savings. Puwede ba siyang bumili ng cellphone? Puwede, kasi yung P1,000, KUROT lang ‘yon sa kanyang savings.

May pangalawang taong balak bumili ng cellphone. Ang bibilhin niya ay worth P1,000 din. Mayroon siyang savings sa bangko na P1,000. Bumili siya ng cellphone. Anong tawag dun? DAKOT na ‘yun! Dinakot lahat ang pera niya!

May pangatlong tao, balak bumili ng cellphone, pero walang savings. P1,000 lang naman ‘yung bibilhin niya. Bumili siya. Anong tawag ‘dun? UTANG na ‘yun!

Ang tanong: ano’ng prinsipyo ang ginagamit mo sa buhay mo? KUROT, DAKOT, o UTANG?

Magtataka pa ba tayo kung bakit tayo naghihirap o baon sa utang? Ang gagaling nating dumakot! Ang gagaling nating umutang! Gusto mong yumaman? Starting today, matutong kumurot. Kapag may bibilhin, dapat kinukurot lang! Nagkakaintindihan ba tayo? Kapag ginawa mo ito, pangako, yayaman ka.

Pag-aralan nating muli ang mga pinakamayayaman sa Pilipinas, ang Chinoy. Again, bakit sila mayayaman? Ang gagaling nilang… kumurot! Tayo ang gagaling nating… dumakot! Sasampolan kita…

Pinoy vs. Chinoy Businessman

May dalawang negosyanteng nagsimula ng kanilang negosyo, isang Pinoy at isang Chinoy. Ang capital nila pareho ay P100,000.

Sa unang buwan, si Pinoy, kumita ng P10,000. Ano ang iniisip bilhin? Cellphone. Si Chinoy, kumita rin ng P10,000. Ano ang gagawin niya? Idadagdag niya sa puhunan.

So magkano na ngayon ang puhunan ni Chinoy? P110,000! Si Pinoy, P100,000 pa rin, pero may bago siyang cellphone. Ang ganda!

Ituloy natin. After a few months, maganda ang takbo ng negosyo. Si Pinoy kumita ng P50,000. Ang Pilipinong may P50,000, ano ang balak bilhin? Bibili siya ng home theater, DVD, at LCD TV! Si Chinoy, kumita rin ng P50,000. Anong gagawin niya? Idadagdag uli sa puhunan niya. Magkano na ang puhunan niya? P160,000 na!

A few months later pa, ang Pinoy kumita ng P150,000! Ang Pilipinong mayroong P150,000, ano ang balak bilhin? Second-hand na kotse o pang-downpayment sa bagong kotse. Ang Chinoy, may P150,000. Ano’ng gagawin niya? Idadagdag sa puhunan! Magkano na ang puhunan niya? P310,000!

Buwan-buwan, si Pinoy kumikita. Dagdag siya ng dagdag ng gamit. Magkano ang puhunan niya? P100,000! Si Chinoy, buwan-buwan kumikita. Ano ang ginagawa niya? Dagdag ng dagdag sa puhunan niya. One day, Chinoy was able to save P1 million! So ginawa niya, he approached one supplier and said, “Supplier, kung bibili ako sa‘yo ng worth P1 million, bibigyan mo ba ako ng discount?” Hulaan mo kung ano ang sasabihin ng supplier. “Of course, ang dami mong bibilhin, kaya bibigyan kita ng additional 5% discount!”

Ngunit naisip ni Chinoy, “Hindi naman yata maganda na sa akin lahat ang 5%. Ang gagawin ko, bibigyan ko ang customers ko ng 3% discount at sa akin na lang ‘yung 2%.” Ibig sabihin, bababa ang presyo ng kanyang mga ibinebentang produkto.

It just so happened na magkatabi ang tindahan ni Chinoy at ni Pinoy. Pareho sila ng mga produktong ibinebenta. Given the situation, kanino kayo bibili? Kay Chinoy, because it’s cheaper. Ano ang mangyayari sa negosyo ni Pinoy? Malulugi na. Kasi mas mahal ang kaniyang produkto. Ano ang gagawin niya? Ibebenta niya ‘yung kotseng nabili niya ng P150,000. Sino ang bibili? Siyempre, ang maraming pera, si Chinoy. Tatawaran pa ni Chinoy ang kotse ng P80,000. Dahil gipit na si Pinoy, kahit palugi ay ibebenta na rin niya. Si Chinoy ngayon ay nagkaroon ng kotse na murang-mura lang!

After a few months, mauubos din ang P80,000 ni Pinoy. Ano ang susunod na gagawin ni Pinoy? Ang home entertainment niya ay ibebenta na rin. Magkano? P20,000 na lang. Sino ang bibili? Si Chinoy. Darating ang araw na pati ang cellphone ni Pinoy ay ibebenta na niya. Magkano niya ibebenta? P2,000 na lang! Isang araw, magsasara na ang negosyo ni Pinoy. Ano ang gagawin niya? Malamang, magtatrabaho na lang siya kay Chinoy. Ito ang kuwento ng bansang Pilipinas!

Naalala mo pa ba noong araw, mas mayayaman ang mga Pinoy kaysa sa mga Chinese. Bakit nagbago? Ano ba ang problema natin? Dakot kasi tayo ng dakot! Sila, kurot lang ng kurot!

Mayroon kaming naging participant before na nagsabi, “Sir, hindi naman totoo ‘yan! I know a Chinoy, he drives a BMW. That’s a P5 million car! Kurot ba ‘yun?” Malamang kurot ‘yun! Noong binili niya ‘yun, mayroon na siyang P100 million na savings! So kurot lang ‘yun! Nandiyan ka pa ba?

Isang Kahig, Isang Tuka

Saan ka makakakita ng mga taong isang kahig, isang tuka? Saan? Sa squatters area? Magtigil ka! Gusto mo’ng makakita ng mga taong isang kahig, isang-tuka? Sa Ortigas, sa Makati, may makikita ka.

What do I mean? Kapag hindi ka sumuweldo ng isang buwan, mabubuhay ba ang pamilya mo? Kung wala kang credit card, kung mawalan ka ng trabaho ngayon, ilang araw ang aabutin para mabuhay ng matino ang pamilya mo? Kapag nawalan ka ng suweldo, patay ka!

Ang mga Chinoy, kahit hindi muna kumita o magnegosyo, mabubuhay ng maganda. Bakit po? Kasi many years ago, kumahig sila ng kumahig at tumuka lang konti. Kaya marami sa kanila ngayon, tuka na lang ng tuka. Maraming Pinoy, kapag hindi tayo kumahig, wala tayong tutukain.

Ito ang masakit–sometimes, kahit matanda na tayo, kahig pa rin tayo ng kahig. Gaano karaming Pilipino ang 60 years old na ay trabaho pa rin ng trabaho? Puwede ba, simula ngayon, kumahig ka nang kumahig at iwasan munang tumuka. I-deprive ang sarili ng kaunti.

Ang pinakamasakit sa lahat ay ito–one day, you want to work, but you cannot work. You are already old. Why? Nagpakasasa ka kasi noong bata ka pa. Inubos mo na lahat ng lakas at kalusugan mo sa bisyo.

Tanong: Masama ba’ng bumili ng mahal? Sagot: Hindi! Basta kinukurot lang! Kapag nakakita ka ng kasamahan mong naka-Nike shoes, huwag mong husgahan kaagad iyong tao! Malay mo, kinurot lang niya iyon. At the end of the day, what is happening to other people is not important. What’s more important is what is happening to you.

The Bible says in 1 Thessalonians 4:11, “Make it your ambition to lead a quiet life. You should mind your own business and work with your hands, just as we told you.”

(Excerpted from Vic and Avelynn Garcia’s book entitled Kontento Ka Na Ba Sa KaPERAhan Mo?)

Tuesday, October 8, 2013

TGFI Head Quarters from vOffice PH

When I first read about the VOffice concept and they are now open here in the Philippines I really like the idea behind. Great Concept one way of helping start up entrepreneur to place their office in the heart of Metro Cities and VOffice PH is now located in Bonifacio Global City Fort Legend Tower, 3rd Ave and 31 st Street, Bonifacio Global City, Taguig City.

Now my TGFI Group is one of the client of vOffice take a look below. 

so for Business Start Up and looking for very nice office you can check V Office in BGC. 

Friday, October 4, 2013

InvestAbility: Stock Market Seminar, Oct. 26, 2013

InvestAbility: Stock Market Seminar on Saturday, October 26, 2013, 9am-12nn at The Ortigas Foundation, 2nd Floor Ortigas Building, Ortigas corner Meralco Avenues, Ortigas Center, Pasig City.

InvestAbility: The Stock Market is a layman’s introductory seminar for anyone who is interested, curious and would like to better understand the stock market. It will deliver fundamental information about the stock market and is thus perfect for those who are considering stock market investing but would appreciate a layman’s explanation of it. *This seminar DOES NOT teach you to invest and trade stocks. Stock picking techniques shall not be discussed. No advise re the best ‘stock’ to buy will be given.

Learning Fee: P4000
inclusive of Certificate of Participation, seminar kit and light snacks

Register Now! Email: or SMS 09178632131

-To make you what the stock market is, why it exists and how it works etc.
-To make you appreciate life long investments vs. get rich quick
-To equip you with knowledge on diversifying your investment portfolio
-To equip you knowledge on the different investment instruments that utilize the power of the stock market
-To make you understand the relationship of the stock market to other investment options
-To determine how you can take advantage of the stock market directly or indirectly

By Colayco Foundations

More info at

BPI Ka Negosyo Success Stories

One way for young entrepreneur to start a business is by crafting their ideas. writing it down is also part of the process but how they come up with those ideas in mind? Reading inspirational entrep stories or watching business documentary. Fortunately THANKS to BPI Family Savings Bank has launched its new project called BPI Nego Series.

Watched all the five videos:
Opportunities Now Open (Ice Cream Lover)

Mind Your Own Business (Employee to Entrepreneur)

The Art Of Success

Brothers Success 

Hello to the GOOD LIFE

Franchising Business is one of the great ways to start living your dreams. Its a Proven business system and model, all you have to do is follow the system.

Wednesday, October 2, 2013

Moody's upgrades Philippines to Baa3, revises outlook to positive

Singapore, October 03, 2013 -- Moody's Investors Service has today upgraded the rating of the Government of the Philippines by one notch to Baa3 from Ba1.

At the same time, Moody's has assigned a positive outlook to the rating.

The rating action concludes the review for upgrade announced on 25 July 2013.

The factors that prompted the review remain intact, namely the sustainability of the country's 1) robust economic performance; 2) ongoing fiscal and debt consolidation; and 3) political stability and improved governance.

In addition, the stability of the Philippines' funding conditions -- during the recent bout of market volatility in emerging markets -- points to the country's relative lack of vulnerability to external financial shocks, such as those arising from anticipated tapering by the US Federal Reserve of its quantitative easing policy.

In a related rating action, Moody's has upgraded the government's foreign currency shelf rating to (P)Baa3 and the ratings for the liabilities of the country's central bank, Bangko Sentral ng Pilipinas (BSP), to Baa3. These have also been assigned a positive outlook.



The Philippines' economic performance has entered a structural shift to higher growth, accompanied by low inflation. Real GDP expanded by 6.8% in 2012 and 7.6% year-on-year in the first half of 2013. These levels are among the fastest rates of growth in Asia-Pacific and across emerging markets globally. At the same time, CPI inflation remains well anchored and is currently below the central bank's target range.

The new growth path is being reinforced in part by improved fiscal management. Revenue growth has accommodated sizeable increases in infrastructure and social spending, although revenue generation remains weak when compared with investment-grade countries overall.

Nevertheless, since 2008, the Philippine government has regularly recorded fiscal deficits that are narrower than the Baa3-rated median. Primary surpluses recorded in eight of the past 10 years will likely continue over the five-year medium-term horizon, allowing for further consolidation of the government's debt burden. Yet, government debt as measured against GDP will remain higher than most similarly rated peers.

Over the past few months, the prospects of Fed tapering had only a muted effect on funding conditions for the Philippines. An underlying shift in the government's funding profile has contributed to the country's resilience to such external financial shocks. Although the Philippine government is the largest sovereign issuer of US dollar-denominated securities in the Asia-Pacific based on total debt outstanding, it is now much more reliant on domestic sources of financing. The government's improved ability to fund itself onshore reflects both the country's healthy external payments position and the ample liquidity in its banking system, which is also the only system worldwide deemed by Moody's to have a positive outlook.

In addition, the Aquino administration has maintained its popularity among voters, which in turn supports the further institutionalization of reforms for good governance. This situation has in turn been reflected in improving third-party assessments of institutional quality and international competitiveness.

The Philippines will maintain a current account surplus, which has been bolstered by remittance inflows from overseas Filipinos and services exports, particularly from the business process outsourcing sector. These flows are likely to remain strong, if not strengthen, over the outlook horizon. The Philippines' external strengths are reflected in the falling external debt to GDP ratio and the ample stock of gross international reserves, which now exceeds the country's total external debt.

Moody's has also raised the Philippines' long-term foreign currency (FC) bond ceiling to Baa1 from Baa2 as well as its long-term FC deposit ceiling to Baa3 from Ba1.

In addition, Moody's has raised the short-term FC bond ceiling to P-2 from P-3, while changing the short-term FC deposit ceiling to P-3 from "Not Prime." These ceilings act as a cap on the ratings that can be assigned to the FC obligations of other entities domiciled in the country.

The Philippines' local currency (LC) bond and deposit ceilings remain unchanged at A2.


The positive outlook for the Baa3 rating reflects the expectation of continued economic outperformance by the Philippines relative to peers, which, in turn, would further support debt consolidation and associated improvements in debt affordability and sustainability. Moreover, sustained political stability points to better prospects for reform over the second half of the current presidential administration.


Continued improvements in the country's main debt metrics and growth dynamics will support further upgrades.

In view of the currently positive outlook on the Philippines' sovereign rating, a downward rating movement is unlikely over the short term.

However, the emergence of macroeconomic instability -- which leads to a substantial deterioration in fiscal/debt metrics, a rise in debt-servicing costs, and/or an erosion of the country's external payments position -- could exert downward pressure on the rating.

GDP per capita (PPP basis, US$): 4,412 (2012 Actual) (also known as Per Capita Income)

Real GDP growth (% change): 6.8% (2012 Actual) (also known as GDP Growth)

Inflation Rate (CPI, % change Dec/Dec): 2.9% (2012 Actual)

Gen. Gov. Financial Balance/GDP: -2.4% (2012 Actual) (also known as Fiscal Balance)

Current Account Balance/GDP: 2.9% (2012 Actual) (also known as External Balance)

External debt/GDP: 32.3% (2012 Actual)

Level of economic development: Moderate level of economic resilience

Default history: At least one default event (on bonds and/or loans) has been recorded since 1983.

On 01 October 2013, a rating committee was called to discuss the rating of the Philippines, Government of. The main points raised during the discussion were: The issuer's economic fundamentals, including its economic strength, have materially increased. The issuer's institutional strength/framework has materially strengthened. The issuer's fiscal or financial strength, including its debt pr
ofile, has materially strengthened. The systemic risk in which the issuer operates has not materially changed. The issuer's susceptibility to event risks has not materially changed. An analysis of this issuer, relative to its peers, indicates that a repositioning of its rating would be appropriate.

The principal methodology used in these ratings was Sovereign Bond Ratings published in September 2013. Please see the Credit Policy page on for a copy of this methodology. 

Article from Moodys website


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