Archive | February, 2010

Laughter Is Her Bread And Butter

Posted on 18 February 2010 by stormwild

MY MONEY STORY

Laughter Is Her Bread And Butter

Funny girl bares her more serious side

By Marissa Sanchez as told to Maan D’Asis Pamaran

Music is really my first love. I started singing professionally at the age of 11 at the old Bodega City. There I met a lot of entertainers and performers along the way, and they convinced me to give comedy a try. I was very hesitant at first, because I am actually a very shy person. But when I got the hang of it, I found that I enjoyed it.

Instead of simply singing and getting off the stage after my set is done, I get to connect with the audience. There’s something so fulfilling about touching base with those who are watching. So I started injecting comedy in my gigs – the topic was usually myself. Since I was so insecure about my weight, I started to make jokes about it. It’s like, okay, you sing, so magaling ka. And then what? Comedy then became the staple in my acts.

But believe me, it is not easy making people laugh. Well, actually, it is harder to make the masa laugh. The class A crowd can get a joke, a pun, a reference to current events. Ang bilis nila makuha yung joke! With the masa, unless you do slapstick, they won’t get it. But generally, the Filipino crowd is easier to please than audiences from other Asian countries. With the foreigners, tawang tawa na sila, pero hindi pa sila bumibigay.

Doing comedy is one of my struggles as a Christian. I have to inject toilet jokes, or even cuss words in my routine, to make the masa laugh. I am not happy doing that. But I draw the line at doing comedy at the expense of others. There are those who make fun of people in the audience to elicit laughter. I’d rather poke fun at myself. You may not believe it, but I actually don’t have scripts for my performances. I also get my jokes from everyday experiences. I just play it by ear and make my skit up as I go along. That works out for me just fine, even though I would admit that I still get anxious before a show.

Reinventing herself

I guess that is partly the reason why I am going back to my roots, which is singing. Because of my stage acts, I have been branded as a comedienne, but I would rather be known as a performer who is a total package, who is everything rolled into one. I am happy that I am starting to be recognized as a singer. One milestone for me was being invited recently to sing at the TV program Wowowee. There, I sang alongside world-class singers like Bituin Escalante.

I am also doing some acting, as I now appear at the ABS-CBN soap Eva Fonda, where I play a jealous wife – something that I admit I really am in real life. These guest appearances on TV don’t really pay much, but they do give me mileage. What I really get a big part of my income from is hosting jobs at corporate events. In fact, I was fully booked last December, all the way down to the 23rd, doing hosting jobs and gigs in Manila and even at out of town sorties. Strike while the iron is hot, I always say. Then I save naman for the rainy days.

I also get invited to go out of the country for shows. I would consider this as one of the perks of my profession. I get to go to different places and bring my husband Ian with me. It is in my contract – the promoters pay for airfare and accommodations for me and a companion, who, naturally, would be my husband.

I don’t have a manager. I have a personal assistant, who does jobs like helping me wrap my Christmas presents, but I handle my own schedule. I do have a booking manager who gets a percentage when he gets me jobs, but if I get the job on my own, I get my whole fee for myself.

This is one reason why I do not like getting tied down to a manager or a regular TV show for now. Bookings come unexpectedly, and I would not want to turn down a higher paying gig because I have a scheduled taping for a TV show. Besides, it is actually the network who decides which stars to build up. You would think that it is the viewers who give celebrities their big break, when in fact it is the network. That is why sometimes you would be surprised that one actor or actress is getting so much exposure even if there are many others who are more talented than him or her.

Also, celebrity does not become me. I am not comfortable being fawned upon or mobbed by fans. People see me at the mall or down the street, and they know me, and that is okay. But I did experience having a fan use up all 36 shots of her camera film on me. Hindi ako show biz na tao. It is like I always have to be “on” or people will say that I am suplada.

There are also those in the industry who would say that I am hard to deal with. But the truth is, my main requirement for any show is that the sound system has to be good. I believe that I only sound good if the sound system is good.

Aiming for longevity

As hectic as December is for me, there are months where jobs or gigs are hard to come by. I use this time to unwind. The holidays get so stressful for me. In fact, I had to perform with swollen lymph nodes last month. So when I have less work, I really relax. I play badminton with my husband. I also go to the gym and watch TV.

My earnings for my work go to the bank, and my savings are what tide me over during the lean months. I also believe that the Lord is good, that He provides. There are times when I do not have enough to pay for my Meralco bill, for example, then I get a phone call asking me if I can host an event. I have not considered putting up a business, because I feel that I don’t have the personality for it. So, I spend my time honing my craft. In this business, you have to evolve. You always have to give your 100% in every performance, like you are making your last show.

My goal in the long run is not to be famous, but to be known. My target is longevity. There are so many artistas who have come and gone, and I don’t want to end up like them. That is why I look up to artists like Jean Garcia, Eula Valdez, Jacklyn Jose, Ana Capri, Eugene Domingo, and Cherry Pie Picache. They are not sikat, in the strict sense of the word, but they are always there. In 10 years, I would also like to be known as an actress who does comedy and who can sing.
MY MONEY LESSONS

No Laughing Matter

Singer comedienne Marissa Sanchez shares her advice in managing a career in a cut-throat industry

1. Keep it clean. Although she has to put a little edge to her comedy routines, Marissa refuses to make fun of people in the audience, which is what a lot of stand up comics do. Mostly, she makes fun of herself. Getting ahead at the expense of others is always a bad idea.

2. Accept lesser paying gigs for exposure. Don’t always look at what a job or customer pays – if working for free or low pay can open doors for you, go for it.  Marissa gets guest acting stints that don’t pay much but gives her mileage, leading to more lucrative corporate hosting jobs.

3. Go for career longevity. Marissa is not a huge star, and that’s not what she wants. She wants a long career in the industry, not to be a flash in the pan. Likewise, forget about being the superstar in your field or your company

Comments (0)

Tags:

Money Market Funds in the Market

Posted on 16 February 2010 by stormwild

SAVVY INVESTOR>MONEY MARKET FUNDS

Money Market Funds in the Market

If you want to be little more conservative with your investments, try money market funds

By Heinz Bulos

Money market funds are relatively conservative and low-risk vehicles invested in highly marketable and “near-cash” instruments like short term government securities, money market securities, and other highly marketable fixed-income instruments. As such, you should expect relatively low returns than bond, equity, and balanced funds. But they are much more liquid with short holding periods, if any. Nevertheless, they are a good alternative to bank deposits if you want to park your money temporarily.

There are around 10 money market funds in the market today – couple of mutual funds while the rest are unit investment trust funds. As always, you have to consider factors such as historical returns, fees, minimum initial investment, additional contributions, holding period, and management.

1. ATR KimEng Money Market Fund

Established in 2004, the ATR KimEng Money Market Fund (formerly known as the ATR KimEng Fixed Income Fund) is designed to seek a return through investments in fixed income securities of Philippine and non-Philippine companies and debt obligations of the Government of the Republic of the Philippines and its instrumentalities.

Launch Date: November 1, 2004

Minimum Participation: P5,000

Min. Additional Participation: P1,000

Min. Holding Period: 12 months

Net Asset Value Per Unit (NAVpU): 1.0822

ROI % (Year-on-Year): -5.19

ROI % (Year-to-Date): -5.13

Telephone No.: 896-3734

Fax No.: 890-3827

E-mail: ird@mutualfund.com

2. BDO Peso Money Market Fund

Banco De Oro Universal Bank

The BDO Peso Money Market Fund is a peso-denominated fixed-income fund suited for corporate and individual clients who are risk averse and are looking for safe investments with yields higher than those of savings and time deposit accounts. This fund aims to preserve capital and generate income from low risk investments by investing the Fund in fixed-income securities with a portfolio weighted average life of not more than one year.

Launch Date: April 01, 2005

Minimum Participation: P100,000

Min. Additional Participation: 0

Min. Holding Period: 0 days

Management Fee: 0.50 % p.a.

Early Redemption Fee: none

Other Fees: none

Net Asset Value Per Unit (NAVpU): 1,249.812700

ROI % (Year-on-Year): 4.4956

ROI % (Year-to-Date): 4.4033

Telephone No.: 702-6613 ; 702-6608

Fax No.: 687-2932

Contact Person: Ana Maria C. Angel; Maita F. Galvez

E-mail: angel.anamaria@bdo.com.ph; galvez.marita@bdo.com.ph

3. BPI Short Term Fund

Bank of the Philippine Islands

The BPI Short Term Fund is a money-market fund that provides the investors with a “near-cash” investment and higher earnings from a diversified portfolio of short-term government securities, money market securities, and other highly marketable fixed-income instruments. It is ideal for those who are looking to invest over the short to medium-term, to finance interim projects like a home renovation or a family vacation.

Launch Date: Monday, April 04, 2005

Minimum Participation: P50,000

Min. Additional Participation: P10,000

Min. Holding Period: 7 days

Management Fee: 0.75% p.a.

Early Redemption Fee: .25% of the NAVPU

Other Fees: Custody fee

Net Asset Value Per Unit (NAVpU): 119.790000     

ROI % (Year-on-Year): 3.5261

ROI % (Year-to-Date): 3.4813

Telephone No.: 845-5041

Fax No.: 845-5088

Contact Person: Lea Angeline A. Maranan

E-mail: llalmerol@bpi.com.ph

4. Infinity Peso Money Market Fund

EastWest Banking Corporation

A peso-denominated money market unit investment trust fund that aims to provide investors with enhanced yields for their short-term liquidity needs by investing in a diversified portfolio of short-term, highly liquid fixed-income securities, term deposits, and other money market instruments. Portfolio duration is one year or less.

Launch Date: March 01, 2007

Minimum Participation: P100,000

Min. Additional Participation: P100,000

Min. Holding Period: 0 days

Management Fee: 2% p.a.

Early Redemption Fee: None

Other Fees: P100 per withdrawal; custody fee

Net Asset Value Per Unit (NAVpU): 1,076.573300

ROI % (Year-on-Year): 3.8712

ROI % (Year-to-Date): 3.7940

Telephone No.: 815-0233; 830-8718; 830-8742

Fax No.: 818-3210

Contact Person: Erika Joy A. Salvador

E-mail: easalvador@eastwestbanker.com, sbgonzales@eastwestbanker.com

5. Metrofund Starter

Metropolitan Bank and Trust Co.

The Metrofund Starter is designed to provide better returns with necessary liquidity that meets your need for wealth building, invested in a diversified portfolio of fixed income securities. The Fund is a peso-denominated money market fund suited for clients who have an investment horizon of at least six months, can tolerate a low degree of risk and are focused on preserving the value of their investment.

The Fund aims to preserve the value of its participants’ investments by avoiding extreme fluctuations in the fund’s market value by investing in a diversified portfolio with a weighted average duration of less than one year consisting of high yielding peso-denominated short-term fixed income securities, instruments, and cash/cash equivalent.

Launch Date: April 04, 2005

Minimum Participation: P100,000

Min. Additional Participation: P50,000

Min. Holding Period: 30 days

Management Fee: 1 % p.a.

Early Redemption Fee: 50% of income

Other Fees: 0.015% custody fee p.a.

Net Asset Value Per Unit (NAVpU): 1.294873

ROI % (Year-on-Year): 4.4456

ROI % (Year-to-Date): 3.9950

Telephone No.: 580-9538, 580-9537, 580-9552 to 59, 858-8012 to 14

Fax No.: 858-8016

Contact Person: Alfred F. Amahan, Laarnie R. Cancio

E-mail: tbg@metrobank.com.ph; alfred.manahan@metrobank.com.ph; laarnie.cancio@metrobank.com.ph

6. PBCom Signature Trust Fund

Philippine Bank of Communications

The Signature Trust Fund is a UITF that aims to provide investors an alternative outlet that offers earnings and liquidity, encouraging them to be an active player in the domestic capital market, supporting its growth.

Launch Date: August 04, 2005

Minimum Participation: P10,000

Min. Additional Participation: P10,000

Min. Holding Period: 30 days

Management Fee: 0.5 % p.a.

Early Redemption Fee: 0.125%

Other Fees: 0.025% custody fee p.a.

Net Asset Value Per Unit (NAVpU): 126.192300

ROI % (Year-on-Year): 3.7021

ROI % (Year-to-Date): 3.6609

Telephone No.: 830-7041/ 830-7044/ 830-7047/ 815-4802

Fax No.: 818-2668

Contact Person: Raul C. Diaz;Ana Perez; Julie Go

E-mail: rcdiaz@pbcom.com.ph; amoperez@pbcom.com.ph; jngo@pbcom.com.ph

7. RCBC Dragon Fund

RCBC

The Dragon Fund is a peso denominated money market UITF product which pools together funds of various investors for investment and reinvestment in a relatively short term portfolio of fixed income instruments comprised mainly of government securities, time deposits and other tradable securities. It is suited to conservative investors who are looking for moderate and relatively stable returns over the next 90 days but want immediate access to their funds when they need it.

Launch Date: March 28, 2005

Minimum Participation: P25,000

Min. Additional Participation: P5,000

Min. Holding Period: 30 days

Management Fee: 0.5 % p.a.

Early Redemption Fee: .125%

Other Fees: .025% custody fee p.a.

Net Asset Value Per Unit (NAVpU): 1.216763

ROI % (Year-on-Year): 4.3404

ROI % (Year-to-Date): 4.2578

Telephone No.: 878-3315 to 16; 894-9006; 894-9514; 894-9870

Fax No.: 878-3377

Contact Person: Marinelle G. Ocampo; Karen D. Malabanan

E-mail: trust_marketing@rcbc.com

8. RCBC Savings Molave Fund

RCBC Savings Bank

Symbolized by the strength and stability of a Molave Tree, the Molave Fund is a low-risk investment product ideal for those who want to maximize the earning potential of their funds. The Molave Fund makes use of only fixed-income investments with shorter maturities and it may not invest more than 15% of its market value in any single entity.

Launch Date: April 25, 2005

Minimum Participation: P10,000

Min. Additional Participation: P5,000

Min. Holding Period: 30 days

Management Fee: 1 % p.a.

Early Redemption Fee: .125%

Other Fees: 0.02% custody fee p.a. + P25.00 / transfer

Net Asset Value Per Unit (NAVpU): 1.214300

ROI % (Year-on-Year): 4.0620

ROI % (Year-to-Date): 3.9818

Telephone No.: 632-9589; 633-2908

Fax No.: 633-9845

Contact Person: Rhia / Merit / Cris

E-mail: trustdept@rcbcsavings.com

9. SB Secure Peso Fund

Security Bank

A peso-denominated UITF that provides investment opportunities to clients looking for above-average returns and invested only in highly marketable fixed-income securities, scrutinized for their good credit quality.

Launch Date: July 01, 2005

Minimum Participation: P50,000

Min. Additional Participation: P10,000

Management Fee: 1% p.a.

Early Redemption Fee: 0.5%

Other Fees: None

Min. Holding Period: 30 days

Net Asset Value Per Unit (NAVpU): 1.195544

ROI % (Year-on-Year): 3.9415

ROI % (Year-to-Date): 0.0639

Telephone No.: 867-6788; 888-7371; 888-7372

Fax No.: 810-1091

Contact Person: Leo V. de la Cruz; John C. Tabije

E-mail: ldelacruz@securitybank.com.ph; jtabije@securitybank.com.ph

10. Sunlife Prosperity Money Market Fund

Sun Life Financial

Sun Life Prosperity Money Market Fund was the first money market mutual fund in the Philippines. It is also the first absolutely no load fund in the country, meaning there are no fees to pay upon investing.

Launch Date:

Minimum Participation: P10,000

Min. Additional Participation: P5,000

Min. Holding Period: 7 days

Net Asset Value Per Unit (NAVpU): 1.0977

ROI % (Year-on-Year): 2.07

ROI % (Year-to-Date): 2.03

Telephone No.: 849-9888

Fax No.: 849-9744

E-mail: sunlink@sunlife.com

[SIDEBAR]

Our Pick

So which money market fund to invest in? Based on one-year performance and fees charged, we picked the BDO Peso Money Market Fund as our “Best Value for Money” award, as it beat all other competing funds and offers the lowest fees with no holding period.

Fund Name Institution Type Minimum Investment (USD) Additional Contribution (USD) Holding Period (days) Sales Fee/Load (%) Early Redemption Fee Management Fee (%) NAVpU ROI-YOY% ROI-YTD%
ATR KimEng Money Market Fund ATR KimEng MF 5,000 1,000 365 1.12 0.5 1.5 1.0822 -5.19 -5.13
BDO Peso Money Market Fund BDO UITF 100,000 0 0 0 0 0.5 1,249.81 4.4956 4.4033
BPI Short Term Fund BPI UITF 50,000 10,000 7 0 0.25 0.75 119.79 3.5261 3.4813
Infinity Peso Money Market Fund EastWest Bank UITF 100,000 100,000 0 0 0 2 1,076.57 3.8712 3.794
Metrofund Starter Metrobank UITF 100,000 50,000 30 0 50* 1 1.294873 4.4456 3.995
PBCom Signature Trust Fund PBCom UITF 10,000 10,000 30 0 0.125 0.5 126.1923 3.7021 3.6609
RCBC Dragon Fund RCBC UITF 25,000 5,000 30 0 0.125 0.5 1.216763 4.3404 4.2578
Molave Fund RCBC Savings Bank UITF 10,000 5,000 30 0 0.125 1 1.2143 4.062 3.9818
SB Secure Peso Fund Security Bank UITF 50,000 10,000 30 0 0.5 1 1.195544 3.9415 0.0639
Sunlife Prosperity Money Market Fund Sun Life Financial MF 10,000 5,000 7 0 1.0977 2.07 2.03
Figures are as of December 23, 2008
* 50% of income

Comments (0)

Buy or Borrow?

Posted on 14 February 2010 by stormwild

EASY MONEY>MONEY MATH

Buy or Borrow?

Nelson is thinking of building a new house worth P5 million for his growing family. He and his wife Clara have accumulated savings of around P4 million. Given their aggressive investment style, they have generated an average rate of return of 15% for the last 10 years. Although there’s an ongoing economic slowdown, they figure they can still achieve the 15% average return for the next 10 to 20 years.

Now, he is seriously considering withdrawing all their investments and use the proceeds to pay for most of the costs, financing the remaining million. Clara thinks it’s a bad idea, and would rather get a bank loan and use the income from their investments to pay the amortizations. Mortgage rates average 11.5% fixed for 20 years. The bank is willing to finance the entire project since the appraisal of the house plus the lot (which they already own) already exceeds P5 million. To compromise, Nelson suggests they use half of their savings instead. What is the best move?

  1. Use all their savings to pay for most of the construction.
  2. Finance the entire construction cost and continue to invest their entire P4 million.
  3. Use half of their savings as equity, invest the other half, and borrow the remaining P3 million.

Answer: B

It usually pays off to just borrow if you can invest your savings at a higher return than the cost of borrowing. In this case, even if their savings is just P4 million versus the P5 million total construction cost, earning 15% on the P4 million can generate annual income of P600 thousand, still enough to pay for the annual amortization of around P533 thousand, a positive net cash flow. Using half of their savings and investing the other half (or using all their savings) will result in negative cash flow. The compromise is the second best choice because even if there’s a little negative cash flow, they will still end with a positive ending cash balance after 20 years, primarily because they’ve kept half of their savings intact. So yes, cash is king.

Comments (0)

Top 10 Global Franchises Under $50k

Posted on 11 February 2010 by stormwild

INCOME EARNER

Top 10 Global Franchises Under $50k

If you want to own the master franchise of a global brand but don’t have a multi-million bank account, consider these low-cost but top-ranked franchises

By Amabella Jimenez

McDonald’s, check. Starbucks, check. Subway, check. Ace Hardware, check. Kumon, check. Getting a master franchise of a global brand for the Philippines is getting harder these days. Either the required investment is just too much or someone here already owns the master franchise.

But there are still opportunities out there. And they don’t even cost a lot. To come up with the top 10 global, low-cost franchises, we used the 2009 Global Franchises Rankings of Entrepreneur Magazine in the US and picked those with startup costs under $50,000. Of course, we considered only those that are still available, so the likes of Kumon, ServiceMaster, and Merry Maids, which others qualify, were taken out from the list. Here are the top 10:

No.1 Jani-King

Founded in 1969 by Jim Cavanaugh, Jani-King is the world’s largest commercial cleaning franchise company with more than 12,500 franchisees in 19 countries serving tens of thousands of customers. Through a global network of more than 115 regional support offices worldwide, Jani-King contracts commercial cleaning services with the work being performed by franchise owners who operate their own businesses.

Entrepreneur magazine has ranked Jani-King the No. 1 Commercial Cleaning Franchise for 2008 and the No. 2 Low-cost Franchise for 2008. What’s even more amazing is that this is the 21st year in which Jani-King has been rated the No. 1 Commercial Cleaning Franchise Opportunity by Entrepreneur.

No. 2 Jan-Pro

Jan-Pro is the #1 Fastest Growing Franchise in the rapidly expanding world of Commercial Cleaning. There are nearly 7,000 other franchisees across North America with sales of over $175 million.

JAN-PRO consistently earns outstanding independent industry recognition. For example, in 2008, Entrepreneur Magazine ranked JAN-PRO the No. 1 Growth Franchise in Commercial Cleaning, for the fifth year in a row. It went on to rank JAN-PRO as the Fastest Growing Franchise globally.

No. 3 Stratus Building Solutions

Stratus Building Solutions is an experienced provider of Integrated Facilities Maintenance Services for retail, commercial, industrial, professional, and multi-family buildings and real estate property, operating in the US and internationally for over 20 years.

Stratus Building Solutions franchises are ideally suited for seasoned business executives with strong sales, marketing, and management experience who desire to leverage a business opportunity that is scalable, recession proof, and provides unlimited income potential.

No. 4 Jazzercise

Jazzercise has been the world’s dance-fitness leader for nearly 40 years with classes in more than 32 countries. Judi Sheppard Missett, who turned her love of jazz dance into a worldwide dance exercise phenomenon, founded the Jazzercise dance fitness program in 1969. The workout program, which offers a fusion of jazz dance, resistance training, Pilates, yoga, and kickboxing movements, has positively affected millions of people worldwide. The international franchise business hosts a network of 7,500 instructors teaching more than 32,000 classes weekly worldwide.

Franchises are available in two forms. One is the Jazzercise Instructor Franchise where an owner instructor owns and teaches classes. They are certified to teach all class formats, or they are certified to teach only Jazzercise Lite or Junior Jazzercise. The second type is the Jazzercise Business Franchise for those who want to run the business but not to teach classes.

No. 5 RE/MAX

Based in Denver, Colorado, RE/MAX International oversees a network of more than 100,000 agents in more than 65 countries. The RE/MAX network is made up of more than 70 regions, varying in size from a metropolitan area to an entire country. Dave and Gail Liniger founded RE/MAX in 1973, prompted by their dissatisfaction with the way real estate business was conducted at the time. Since then, RE/MAX has been the No. 1 residential real estate network in Canada since 1987 and is a leading industry force in the United States and many other regions.

The most significant growth for RE/MAX in recent years has come outside the United States, with expansion into Africa, Asia, Australia, the Caribbean, Central America, Europe, Mexico, New Zealand, and South America. RE/MAX takes proven techniques and adapts them to local markets, thereby developing a series of tools that real estate professionals find invaluable.

No. 6 Anytime Fitness

Anytime Fitness is one of America’s fastest-growing brands with over 2,000 franchises sold in six years and nearly 500,000 satisfied members. Anytime Fitness is now expanding internationally and is looking for qualified and experienced partners outside North America.

The founders of Anytime Fitness, Jeff Klinger and Chuck Runyon, recognized early on that the fitness industry was ripe for innovation. Backed by more than 30 years of industry and entrepreneurial experience, they developed a trend-setting business model that allows people to work in the enjoyable and fast-growing fitness industry as an independent business owner.

No. 7 Quiznos Sub

Quiznos enjoys 25 years of success and large numbers of loyal repeat customers. Rick Schaden opened the first Quiznos Sub restaurant in Denver in 1981. He later bought the franchise operation, which consisted of 18 restaurants. Today, with seasoned management, professional franchise support systems, and strong financial resources, Quiznos is taking this “good food” success story throughout the US and across the globe.

Zagat’s May 2007 fast food chains consumer surveys listed Quiznos in the top 5 for Top Food, Top Facilities, Top Service, and Top Overall, ahead of its direct competitors.

No. 8 Coffee News

If you are interested in a starting a great money-making, home-based business, and have an interest in publishing, Coffee News has the franchising opportunity you are looking for. Coffee News is a fun, weekly restaurant publication. Coffee News franchises are available in many US States as well as all foreign countries. This publication can be printed in any language!

Coffee News originated in 1988 in Winnipeg, Manitoba (CAN) and is the brainchild of Jean Daum. It’s a weekly publication delivered to restaurants, coffee shops, and motels that also serves the advertising needs of small businesses. There are already hundreds of Coffee News licensees in the world already in operation.

No. 9 Home Helpers

Home Helpers’ Caregivers provide clients with non-medical care and companionship whenever needed, giving them a safe and affordable way to remain active and independent in the comfort of their home, often for longer than would otherwise be possible. Our Caregivers provide services in retirement communities, nursing homes, hospitals, rehabilitation centers, and more.

The Home Helpers organization was launched in 1997 to serve the ever-growing community of Americans over age 65 who wish to remain independent but require help in managing their everyday life. Home Helpers is the leader in the Senior and Personal Care market, ranked by Entrepreneur magazine as the No. 1 Senior Care Franchise in North America for the last 3 years. Home Helpers currently has offices in over 600 markets and is growing by a new franchise every few days.

No. 10 Anago Cleaning Systems

Anago Cleaning Systems is one of world’s leading commercial cleaning franchise companies, offering both Master Franchise and Janitorial, or Unit Franchise business opportunities. Since 1989, Anago has been perfecting a success system that leverages technology plus the power of pride in business ownership that puts the power of Commercial Janitorial Franchising in your hands.

The experts predict the need for commercial janitorial services will continue to grow well into the future. This increased need offers good financial opportunities for anyone who purchases what the Anago Cleaning System has to offer.

Top 10 Global, Low Cost Franchise Ranking

Rank Company Category Year Began Franchising Since 2008 Franchises US / Foreign Franchise Fee Total Investment Royalty Fee Web Site
1 Jani-King Commercial cleaning 1969 1974 10,698 / 1,614 $8.6K-16.3K+ $11.3K-34.1K+ 10% www.janiking.com
2 Jan-Pro Commercial cleaning 1991 1991 8,127 / 18 $2.8K-44K $3.3K-54.3K 10% www.jan-pro.com
3 Stratus Building Solutions Commercial cleaning 2004 2005 1,339 / 0 $3K-47K $3.5K-57.8K 5% www.stratusbuildingsolutions.com
4 Jazzercise Fitness center 1977 1983 6,294 / 1,159 $500/1K $2.98K-38.4K to 20% www.jazzercise.com
5 RE/MAX Real estate 1973 1975 4,122 / 2,194 $12K-25K $35K-200K Varies www.remax.com
6 Anytime Fitness Fitness center 2001 2002 780 / 0 $9K-15K $30K-292.6K $419/mo. www.anytimefitness.com
7 Quiznos Sub Fast food restaurant 1981 1983 4,525 / 135 $5K-25K $24.1K-341.8K 7% www.quiznos.com
8 Coffee News Publishing 1988 1994 799 / 186 $8K/5.5K $9.4K $20-75/wk. www.coffeenewsusa.com
9 Home Helpers Nonmedical care services 1997 1997 745 / 0 $31.9K $42.2-78.3K 6-4% www.homehelpers.cc
10 Anago Cleaning Systems Commercial cleaning 1989 1991 1,233 / 0 $4.6K-1M $8.5K-1.2M 5% www.anagousa.com

Comments (0)

Tags: , ,

The Buyer’s Guide to Netbooks

Posted on 09 February 2010 by stormwild

SMART SPENDER>BUYER’S GUIDE

The Buyer’s Guide to Netbooks

They’re the hottest segment in laptops, and for good reason – they’re lightweight, good enough for simple tasks, and cheap

By Carlos Gonzales

Netbooks – those pint-size and lightweight mini-laptops – are selling like hotcakes. Tech research firm IDC says 11 million units were sold in 2008, from a mere 182,000 the year before. It’s certainly phenomenal. Suddenly, owning a laptop has been within easy reach by most of the middle class. Retailing between P15,000 and P25,000, the lure has definitely been the price but the small size and light weight have also attracted those looking for a second laptop.

There are of course trade-offs with the form factor and price – basic specs, limited storage, and the Linux operating system, among others. They’re called netbooks because they’re good enough for basic Internet use and office apps, and not for heavy-duty gaming or multimedia programs. So how do you make sure you don’t buy a lemon? Here are five factors to look at:

1. Form Factor

One major selling point for netbooks is the form factor, i.e. the size, and related to it the weight and screen size. Asus popularized this category back in 2007 with its Eee PC, which measured just 8.9 x 6.5 inches (versus the full-sized 15 x 11 inch-laptops) and weighed around 2 pounds (versus 12 pounds of bigger notebooks). The latest crop of netbooks is slightly larger with more comfortable keyboards (around 92% the size of full keyboards), although still lightweight. Screen sizes have also increased from the early 7-inch displays to as big as 10 inches.

Since disparities in weight are minimal across competing models, you have to decide mainly on size. And the best gauge is to try them out at the store, because that’s really the only way for you to know if you’re comfortable typing keys and staring at the display. If you’re buying a second notebook for occasional, then you can go for the smallest. Otherwise, it makes more sense to go for the larger models.

2. Performance

Intel-based netbooks come either with a Celeron-M or Atom processor. The newer Atom uses the latest 945 chipset, and benchmarks have shown it to run faster. So look for Atom-powered netbooks. Speed and performance are also affected by the amount of memory, so the bigger it is, the better. Go for at least 1GB RAM.

3. Storage

The early generation netbooks came with fixed solid-state drives (SSD), which allowed for faster startup, lighter weight, and speedier overall performance. However, you only get around 20GB of storage space compared to hard-disk drives (HHD), where 120GB for netbooks are typical. So if you want a slight edge in speed, go for SSD, but if you’re buying a netbook as your main laptop, go for HDD.

4. Battery Life

Nothing can be more frustrating when it comes to laptop use than running out of battery while rushing against a deadline – and there’s no power outlet. So if you’re on the move a lot, battery life is crucial. Some netbooks can go as long as five to six hours, while others can only manage a measly two hours. Most netbooks come with a 2-cell battery, but you’re better off with a 3-cell or even 6-cell battery.

5. Extras

To keep the price down, many netbooks are bundled with the Linux operating system or a trial version of Windows XP. Buying a bundled licensed Windows XP will set you back around P5,000. But it’s worth it. However, if you have technical chops—or know someone who does—you can settle with Linux and download Linux applications. You also would want extras like Wi-Fi support, USB ports, memory card slot, webcam, and jacks for a microphone and headphone.

[sidebar]

Netbooks: What to Buy

There are a growing number of netbook models out there, both foreign brands and local OEM (original equipment manufacturer) rebranded models. A Consumer Reports product comparison rated the Asus Eee PC and MSI Wind high, which makes them our “Best Value for Money” picks.

Brand Screen Processor

(GHz)

RAM (GB) Storage

(GB)

Battery

(cell)

OS Price
Acer Aspire One 8.9 in

1024×600

WSVGA

Atom 1.6 1 8 SSD or

160 HDD

6 Linpus Linux Lite or Windows XP Home P12,000 to P24,000
ASUS Eee PC 900 8.9 in

1024×600

WSVGA

Celeron-M 1 12 or 20 SSD 4 Linux or Windows XP Home P15,000
ASUS Eee PC 1000

BEST VALUE FOR MONEY!

10 in

1024×600

WSVGA

Atom 1.6 1 80 or 160 HDD 6 Windows XP Home P24,000 to P30,000
Blue H1 Mobile PC 7 in

800×480 WXGA

VIA Esther 1.0 1 40 or 60 HDD 4 Linux or Windows XP Home P10,000 to P13,000
MSI Wind MegaBook U100x

BEST VALUE FOR MONEY!

10 in

1024×600

WSVGA

Atom 1.6 1 or 2 80 or 160 HDD 3 or 6 Windows XP P16,000 to P20,000
Neo eXplore  X2 Classmate PC 7 in

800×480 WXGA

Celeron-M 0.5 40 HDD 6 Windows XP Home P10,000 to P11,000
Neo ViVid v1100 MiniNote 8.9 in

1024×600

WSVGA

Atom 1.6 1 or 1.50 120 or 160 HD 6 Windows XP Home P18,800 to P21,000

Wed Administrator’s note: Please take note that the prices may have changed since last year(2009) however the guide remains useful as a reference.

Comments (1)

Advertise Here
Advertise Here