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balong

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Dear Rene
« on: March 02, 2013, 03:47:04 PM »
What H&M and BMW See That You Should Too
By Jeff D. Opdyke, Editor of The Sovereign Individual

Dear Rene,

From my third-floor, hotel-room window, I looked out over Iași, Romania, and saw the future overtaking the past … quite literally.

For a bit more than half a mile, Ștefan cel Mare Boulevard stretches through the middle of town, past a collection of bland, utilitarian storefronts that recall Romania’s days as one of the Soviet Union’s poor, buffer states. The boulevard runs from the front door of the neoclassical Traian Grand Hotel – built in 1882 by Gustave Eiffel, of Eiffel Tower and Statue of Liberty fame – to the Palas Mall … a gleaming, modern stone-and-glass homage to unfettered consumerism.

The mall opened for the first time last May, combining retail with commercial and residential space, making it Romania’s first mixed-used development. Now, Ikea, the Swedish housewares retailer with a cult following globally, has announced it’s looking to open its second Romanian store, in Iași, possibly this year. Upscale automaker BMW has already offered terms on a deal to open a new-car showroom, and national airline, Tarom, is soon to launch international routes connecting Iași to London, Paris and parts of Italy.

None of this will strike anyone as particularly inspiring … until you know one more piece of information: The average monthly wage in this city of roughly 300,000 people is just US$400.


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Re: Dear Rene
« Reply #1 on: March 02, 2013, 03:48:25 PM »
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Re: Dear Rene
« Reply #2 on: March 02, 2013, 03:50:57 PM »
No one will ever mistake Romania for a wealthy country. Depending on who’s measuring, Romania is either the poorest or second-poorest country in the European Union. And that’s what makes the decision to open high-end malls, auto showrooms and an Ikea so intriguing.

Yet the fact that Palas Mall exists – with its collection of outlets from H&M, Nike, Swarovski, Tommy Hilfiger and others – or that Ikea and BMW are actively courting lease deals for new stores, speaks to the rising prosperity, the rising emerging-market consumer, that I routinely write about.

Even in places like Iași, considered poor even by Romanian standards, wealth is on the rise and local shoppers are not only eager to spend, they’re craving the same kind of opportunities that consumers have in much larger cities. When Palas Mall opened last summer, 500,000 people from all across eastern Romania – and even into the neighboring county of Moldova – jammed the stores and covered the outdoor lawn for four days.

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Re: Dear Rene
« Reply #3 on: March 02, 2013, 03:52:00 PM »
Today, 25,000 locals pad through Palas Mall and its 170 stores on an average weekday. On the weekend, the numbers jump to as much as 40,000 – and that’s certain to grow later this year when the mall’s owner, Iulius Group, opens a 10-screen multiplex, the largest cinema in the region.

Though Iulius Group was negotiating lease contracts during the depths of the worst financial crisis the globe has seen in a century, Palas opened with an occupancy rate exceeding 90%. It introduced brands like H&M and Spanish clothier Massimo Dutti that, until the mall’s arrival, eastern Romania had never seen.

The foreign brands showed up, “because the wealth is rising here; because [foreign brands] see the opportunities that are developing,” Ioana Musat told me. She’s Iulius Group’s leasing manager, and she told me the consumer research the company conducted shows that locals spend as much as 75% of their paychecks in the mall, focused particularly on clothing.

Sure, those paychecks are small in relation to U.S. and Western European standards. But as I continually stress, paycheck size is the least import factor. When billions of emerging consumers the world over are spending even little bits of money on discretionary purchases, that tidal wave of consumerism has the power to change the face of everything from agriculture to retail.

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Re: Dear Rene
« Reply #4 on: March 02, 2013, 03:53:14 PM »
The Way to Invest in Tomorrow

So, if you are an investor, you should be thinking right now: How do I make money on this?

That’s the very question that sent me overseas as an investor in the first place in 1995, and it’s the question I seek to answer every week for subscribers to my Emerging Market Strategist newsletter. The answer turns out to be pretty simple … own the companies intimately tied to consumer behavior.

That could mean companies that own shopping centers, or those that operate entertainment venues like cinemas. It could mean companies that make the branded products consumers snap up … or the retailers that run the stores.

On that front, one of the retailers I am fond of for exposure to the emerging consumer is H&M, officially known as Hennes & Mauritz, a Swedish retail chain with roughly 2,500 stores globally and a cult-like following the world over.

H&M at the moment collects just 7.5% of its revenues from emerging markets, and most of that from China and Poland. But the company’s actions show that it’s clearly committed to expanding its footprint across the fast-growing emerging world. Last year, for instance, H&M not only opened the store at the Palas Mall in Romania, it moved into Croatia, Morocco and Jordon. It’s increasing its exposure in China with numerous new stores. And this year it will add five new markets, all emerging: Bulgaria, Latvia, Malaysia, Thailand and Mexico.

H&M, then, is the way to invest for the world of tomorrow. And at 10-times earnings and a dividend yield exceeding 4%, H&M shares trade at a compelling price today. But H&M is not a short-term investment. This is a long-term holding for patient investors who want to benefit from the continual, multi-year emergence of the new consumer class springing up all over the world.

The future really is overtaking the past – the emerging world really is overtaking the West. Investors, who see the trend now, will inherit the wealth.

Until next time, stay Sovereign …

Jeff D. Opdyke

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Re: Dear Rene
« Reply #5 on: March 02, 2013, 03:59:57 PM »
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Re: Dear Rene
« Reply #6 on: March 02, 2013, 04:51:35 PM »
i dont know why mahilig ko sa negosyo. bisan unsang klase nga negosyo . dinhi sa america basta mahibaw-an ka nga investor, naay daghang mo offer nimo ug negosyo. sa dihang nag barko pa ko, seaman ba, daghan ko ug gi sulayan nga mga negosyong ginagmay sa pilipinas. karon nga nia na ko sa america, naa pod koy negosyong ginagmay. maajo man gud ning mag negosyo ka kay daghan ka ug tawo nga matabangan. maka hatag ka ug trabaho bisan gamay lang sweldo okey na. mas maayo nang naay gamay kay sa laktod wala.

kong swertehon ka, ang negosyong gamay mahimong daku. lets take for example kanang alturas sa tagbilaran. nag sogod na nga gamay kaajo karon perte nang daku-a. naa ang orig nga alturas, naay marcela ug naa poy island city mall. alturas belongs to the top 20 supermarkets in the philippines. kong nag subay mo sa ahong kaagi aho nang na estorya ang bahin sa ahong amigo nga si bokats. ahong buddy sauna sa phil. army. naka agi ni sija ug bantay sa mga truck sa alturas sauna. kadtong diha pay uso nga sunogon ang mga truck sauna sa mga npa.  he rode as a guard with the trucks. dili m an ma hadlok ug patay ning ahong amigo. bisan wa na sa army, mangita gihapon ug gera. mao nga naka sud ni si bokats sa "counting room" sa alturas. kana bang kwarto sa orig nga alturas nga anha nila ihapa ang halin sa usa ka adlaw

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Re: Dear Rene
« Reply #7 on: March 02, 2013, 09:47:32 PM »
i'm writing this topic in memory of a friend who died just recently. my brother and i were pioneer seamen of maribojoc. wa pay uso ang seaman sauna. ang ahong manghod graduate sa pmi manila. dili pa lisod pag panakay sauna. naka sakay dajon sija overseas. ako pod gikan na ga bagdoy bagdoy sa palawan. sa bag-o pang sugod ug gera gera sa mindanao nang recruit ang phil. army. civil eng.g ko sauna sa ub. naa may rotc ang UB. ambot ug naa pa bay rotc karon. reserved officers training course. mao nga mi volunteer pod ko. pagka tilaw naho ug gera naka huna huna ko. di man diay ni sajon trabahoa. patay ta ug sajo ani. di ta kakita ug liwat aning kalakiha. mao nga pag abre sa pmi ug branch sa bohol, mi undang ko sa army ug mi balik ko ug eskwela. mi kuha ko ug marine eng'g. pioneer graduate ko sa pmi bohol. 1 yr. ra naho nahuman ang marine kay credited man ahong mga subjects sa civil engg. sa ub.

so now we begin the beginning of this story. si boy harag [RIP] bana sa ahong igagaw. pareha sija sa ahong manghod sugarol, sabongero. i dont gamble pero just the same sugarol gihapon ko kay basically the stock market is a gamble most especially the penny stocks i play. pinangga kaajo ni sisin ahong manghod si boyax. gi hatagan nija ug tricycle. niadtong panahona maoy uso nga negosyo sa taga guindulman ang "delivery". tinda tinda ba ug tsitseryas sa tindahan. mangompra sila ug mga bisan unsa lang gikan sa cebu like dagom, tanod, garter, lastiko, goma sa tirador, efficascent oil ug maoy ilang ipamaligya sa mga sari sari stores around bohol. mi hangjo si boyax naho ug pohonan kay mo deliver pod sija. i gave him a few thousand pesos to start the business. okey pod ang dagan sa negosyo ni boyax. ka inom pod ko ug beer sa ijang ganansya.

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Re: Dear Rene
« Reply #8 on: March 02, 2013, 10:08:12 PM »
sa pag sugod niining atong sugilanon a long long long time ago, boy scout pa si rizal, ang alturas usa lang ka gamay kaajo nga tindahan sa tagbilaran. gamatoy kaajo nga pwesto. kaila ni boyax ang tagija sa alturas mao nga ijang gi espikingan. "lok, anhi na mi mangompra sa imong tindahan para di na mi mangadto ug cebu. tagae lang pod mi ug barato nga presyo". mao nga tagaan ni boyax ang insik ug lista sa mga items nga ilang pamaliton. daghan man silang delivery nga taga guindulman. daghan ko ug kaila kay mo istambay man pod sila sa balay ni boyax. adto ma tulog usahay kong mag round bohol na sila ug deliver. tungod kay daghan man sila nga mangompra sa alturas in bulk quantities, mi sugod ug boom ang alturas. and the rest is history. gikan sa pila ka metro kwadrado nga pwestong tindahan karon shopping center na. nawala na pod ang mga gagmay nga delivery nga taga guindulman. kay ang alturas karon mao na may mo deliver sa mga sari sari stores around bohol. naka kita mo anang mga truck sa alturas nga perteng dagkua . well that idea of delivery business was started by boyax  financed by balong. hibaw ko boy nga gidawat na ka ni san pedro. kay bisan pa ug pareha ta nga palahubog sauna mga maajong tawo man pod ta ba kay dili man ta mga hakogan. daghan man pod ta ug na tabangan.

this is not the end of our story kay business is business. daghan pa ko ug estorya para ninjo

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Re: Dear Rene
« Reply #9 on: March 03, 2013, 03:10:22 PM »
nag sogod na ko ug dokdok didto sa talk of the town section about the miracle of the sto. nino unja balhin na pod ko dinhi. hahay buhay. naka hinomdom man gud ko sa kina unhan nahong company nga gi imbento. WHITE and LONG BASKETS. kong wa pa ko mo anhi ug america, perte na tingali kong datu-a sa pilipinas karon. okey kaajo ang native handicrafts. maka hinomdom ko sauna naay gagmay kaajong mga baskets sa antequera maguwang lang sa lemoncito ang gi dak-on. tag pila ka libo ang ma sud sa usa ka sako. paliton naho ug tag 20 centabos ang usa ka basket unja ibaligja naho ug dos pesos sa suki nahong amerkano. basta inig human ug deliver hapit ug beerhouse sa roxas blvd. sa manila. kasapi pod intawon ang mga boring girls. mga buriring man hinoon sila but i dont get bored with them. ambot lang oy nganong lami man jud duwaan ning baje. well, well, well. you will agree with me that woman was made for man in the same way nga kitang mga laki gihimo alang sa mga baje. i am used to spending money and i spend for fun. wa koy hilig mag pa porma. kong imo kong makita sa personal maguwang lang ug gamay sa makililimos ang hitsura. dihay ka usa nga  hapit wa mi pasakja sa erplano. kaming duha ni bokats.kay pareha man ming ka moritsing ang hitsura. short pants lang gud ko unja gisi pa ang t-shirt. pero milyon ang solod sa bolsa. mag kuha man ko daan ug cash sa bank para ipamayad sa ahong mga weavers sa bohol. WHITE and LONG BASKETS stood for me and bokats. spur of the moment to nga ngan kay sa una namong  delivery  sa baskets gi pangutana ko sa amerkano unsay ngan sa among kompanya. i did not realize it but we have already made it big time. kay ang permero gud namong mga suki ug native handicrafts ginagmay ra man. mahimo ra man ug inato. adtong panahona puti na ang bohok ni bokats ug ang aho tag-as kaajo. kotob sa ahong hawak ang ahong bohok. 5 yrs. nga way potol potol. at 1 time man gud dihay mi sraight ko ug sakay sa barko for 5 years. kay mahimo nga mo renew ka sa imong contract every year didto lang sa barko. di na ka mo uli ug pilipinas. ang kontrata man gud sa mga seaman good for 6 months or 1 yr unja uli na pod ka. to continue with our story LONG stood for me and WHITE for bokats. mao toy gigama nahong ngan sa una nahong company. WHITE AND LONG BASKETS.

keep on reading folks and ill continue writing. basa lang mo ha ajaw ug reply. kay aron dili ni ma pareha  sa THE ONE AND ONLY STORY OF BALONG. mawala ang trend sa estorya tungod kay naay daghang mo ambit ug reply

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Re: Dear Rene
« Reply #10 on: March 04, 2013, 06:17:00 PM »
im wondering what could have been kong wala pa naho bijae ang native handicrafts business. naa unta ko sa bohol mag pojo karon, mag pojo ug palasyo, naay daghang boy ug maid. pero di jud nato mahibaw-an unsay atong swerte. kong maajo ug lakaw ang negosyo, daghan jung ma bulahan. maka hinomdom ko sauna, kanang mosaka ko sa bukid sa maribojoc, makita naho sa nawong sa ahong mga weavers ang kalipay. kay naa na pod ko, mag order unsang mga basketa ahong ipagama. maka sapi na pod sila.
karon, instead of trading baskets i am trading money here in america. mao jud tingali ni sogo sa ahong palad, nga anhi ko mo pojo ug america, dili sa namingawan nahong maribojoc. lain lain man ang dalan nga atong subayon. sigi lang , moabot gihapon ang panahon nga mo uli ko sa pilipinas

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Re: Dear Rene
« Reply #11 on: March 07, 2013, 04:37:44 PM »
Swerte swerte lang ang kinabuhi. Ahong asawa taga Digos. Hangtod karon di gihapon ko ma dawat sa ahong mother in law kay pobreng SHEman ra man ko intawon unja sila mga high society sa Davao. Wa jud koy kalibotan kong unsa sila at that time kay tira pasagad man lang ko. Gi ingnan ko sa ahong "mommy" nga nang hantok lang kono ko. Wa intawon oy. Naka swerte lang nga ang usa ka ASPO from Maribojoc,Bohol naka asawa ug milyonarya. ;D

The Davao Dragon Poultry Farm (Sinawilan, Matanao, Digos City, Philippines) uses the modernized equipment for egg classifying. It is a product of Nabel Asia SDN, Ltd (Malaysia). It has a capacity of ten thousand eggs (10,000) eggs per hour. The farm has currently an average production of Twenty One Thousand (21,000) eggs per day.

http://www.youtube.com/watch?v=zm-_clazm8k#

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Re: Dear Rene
« Reply #12 on: March 07, 2013, 04:49:07 PM »
Karon ahong asawa tua mag pojo sa Brooklyn, New York uban sa iyang mga parents. Kay matud pa sa ahong pinalanggang "mommy" ang bana dili jud ma ilisan samtang ang imong mga ginikanan mahimong ilisan. Biljako jud ning ahong mommy. Unsa kahay buhaton ni Mr. Balonglong Tikongkong walay mata walay ilong. Karon nga mini millionaire na man ko, dili gamay nga milyonaryo ha kong dili counterfeit millionaire kay nangita pa man ko sa ahong million dollars. Wa man gihapon koy nahot hangtod karon. Aho ba kahang bawi-on ahong asawa gikan sa ijang mga parents. Dili lang oy. Mangita na lang tingali pod ko ug bag-ong asawa . Asa man kaha naho pangita-a ang bag-o nga dream girl :-\

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Re: Dear Rene
« Reply #13 on: March 07, 2013, 05:22:00 PM »
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Re: Dear Rene
« Reply #14 on: March 07, 2013, 05:23:53 PM »
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Re: Dear Rene
« Reply #15 on: March 07, 2013, 05:24:58 PM »
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Re: Dear Rene
« Reply #16 on: March 07, 2013, 05:28:41 PM »

sweetlikecandy....tilawan ko kaha ang iyang katam-is

 or adto ba kaha ko sa bag-o nahong kaplag nga phone girl. she works in a call center and sidelines as a model.

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Re: Dear Rene
« Reply #17 on: March 08, 2013, 03:18:29 AM »
back to business

Sa wa pay eleksyon ga sigi ko ug bagolbol, reklamo, nangampanya against barako obamo. I have foreseen what will happen kong ma reelect si barak. Karon nag sugod na ta ug ka thrilling. America's billionaires are already dumping their stocks. Ako wa koy e dump kay i dont hold blue chips. Duwa duwa lang ko ug penny stocks. Senentabos lang ta kotob kay wa man tay milyon nga pohonan.

Buffett just ditched millions of shares in familiar giants like Proctor and Gamble. Bill Gates just dumped 90 million shares of Microsoft. Why? They're scared. Obama's economic policies scare them.


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Re: Dear Rene
« Reply #18 on: March 08, 2013, 03:24:10 AM »
Despite the 6.5% stock market rally over the last three months, a handful of billionaires are quietly dumping their American stocks . . . and fast.

Warren Buffett, who has been a cheerleader for U.S. stocks for quite some time, is dumping shares at an alarming rate. He recently complained of “disappointing performance” in dyed-in-the-wool American companies like Johnson & Johnson, Procter & Gamble, and Kraft Foods.

In the latest filing for Buffett’s holding company Berkshire Hathaway, Buffett has been drastically reducing his exposure to stocks that depend on consumer purchasing habits. Berkshire sold roughly 19 million shares of Johnson & Johnson, and reduced his overall stake in “consumer product stocks” by 21%. Berkshire Hathaway also sold its entire stake in California-based computer parts supplier Intel.

With 70% of the U.S. economy dependent on consumer spending, Buffett’s apparent lack of faith in these companies’ future prospects is worrisome.

Unfortunately Buffett isn’t alone.

Fellow billionaire John Paulson, who made a fortune betting on the subprime mortgage meltdown, is clearing out of U.S. stocks too. During the second quarter of the year, Paulson’s hedge fund, Paulson & Co., dumped 14 million shares of JPMorgan Chase. The fund also dumped its entire position in discount retailer Family Dollar and consumer-goods maker Sara Lee.

Finally, billionaire George Soros recently sold nearly all of his bank stocks, including shares of JPMorgan Chase, Citigroup, and Goldman Sachs. Between the three banks, Soros sold more than a million shares.

So why are these billionaires dumping their shares of U.S. companies?

After all, the stock market is still in the midst of its historic rally. Real estate prices have finally leveled off, and for the first time in five years are actually rising in many locations. And the unemployment rate seems to have stabilized.

It’s very likely that these professional investors are aware of specific research that points toward a massive market correction, as much as 90%.

Well, well, well. Let us just wait and see what happens next. Anyway, I can go home to Bohol when the time comes.

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