Although dentistry may appear to be different than other types of businesses, in reality it is a business. And although this article is written from a dentist’s perspective on developing a successful practice, the principles can be used in virtually any business.
I have been in the dental industry for over 20 years and can proudly say I do have a highly successful business, also known as a practice. Over the years, I have learned many things that work in running a business and even more that do not. It is with this in mind that I share the following 7 keys to running a successful business. Regardless of your industry they can apply.

1. Have a vision.

One of the most important aspects of running any business is to have a clear vision of what you want that business to be like. What do you want to be known for in the marketplace? What kind of clients do you desire? What level of service do you want to provide? Do you want to be “one among many” or do you want to be considered a leader in your industry?
By answering these and many other similar type questions, you will gain insight into the direction you can, and should, take your business.

2. Develop a plan that ties into the vision.

Once you gain clarity on your vision, you must be willing to develop a plan. Far too often people have an idea of where they want their organization to be, but they fail to put together a usable plan. Take time to map out what needs to be done to achieve your outcomes.

3. Know your market.

One of the most important aspects of running any type of business is to know whom your market is. You can’t be all things to all people. Contrary to what some would like to believe, not everyone is his or her market. There is a very astute saying in marketing, “If everyone is your market, then no one is your market.”
The clearer you are on who you are targeting the easier it will be to focus your efforts on reaching those individuals and/or companies.

4. Gain visibility within your market.

Take a very focused approach to reaching your market. Just because you have determined who your market it, doesn’t mean you are done. You must now be willing to have a very focused approach to targeting your market. Whether that be through direct mail, advertising, newsletters, informational seminars or any number of methods, you have to be willing to keep your name in front of your market.

5. Get your team on board.

This is probably one of the most crucial and yet, often most overlooked aspects of running a business. You have to make sure your team knows what is going on. Holding regular staff meetings as a means to keep people informed is a great way to gain the buy in of your team. Additionally, be open to ideas that may come from your team members.
It will be very difficult to achieve your long-term goals if your team members either don’t understand your vision or haven’t bought into it. When you hire people, make sure they understand what you are trying to achieve. Whether you are dealing with new members of the team or seasoned folks, everyone must be willing to be a part of the plan. When they are, you will have a much greater chance for success.

6. Be consistent.

Running and marketing a business is an ongoing process. The greatest mistake people make in virtually any industry is they try something once and expect instant results. You must be in this for the long haul. Sure, with some of your marketing strategies you will get instant, or direct, response. However, with most approaches, it is more like the tortoise and the heir. In the short-term it looks like the heir is in the lead, but the reality is he is burning himself out and ends up losing to the tortoise who had a consistent and long-term vision.

7. Realize – you change lives.

One of the things I most love about dentistry is I know I change lives. I recognize this beyond a shadow of a doubt. When my patients are able to obtain the smile they once only dreamed of because of what I did for them, I know I am doing my life’s work.
With most people, regardless of the industry you are in, in some way you do change lives. If you know that, your job is very rewarding.

Think about the end user of your product or service. What is it about what you provide that makes a difference for them? If you don’t know, ask your customers. You may be pleasantly surprised. It is in the answers you can become clearer and clearer as to your vision and the benefits you bring to others through the services you provide.

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Last November 11, 2014 I started this blog for spreading financial education to others. Sharing my experiences and some wisdom that I gained from attending seminars, reading books, and watching videos. This blog is not intended just for fun instead just to help others, even in a simple ways.

Here are the top honest reason why I create Pinoy Save And Invest:

1. To spread the Financial Literacy for every Filipino.

Everybody knows that most Filipinos is wasn’t good in terms of financial handling. We have a one day millionaire mentality, after getting our salary directly we go for shopping, party here, there, anywhere like no tomorrow. After a few days we found out nothing was left in our hard-earned money. We forgot to save for our future.

2. To share the experiences and wisdom that I will learn throughout the journey of my life.

From my young age, I am dreaming to be a wealthy, why? To change our family status from poor to rich. Being rich wasn’t bad if you use your money in a good way. This is the reason I am attending seminars, some are free and some are paid. I spend a lot money in this seminar because the knowledge that I got on those seminars was never taught in our almost 14 years in school. Attending seminars, and buying books are not expenses, it is an investment. Rich people value education more than entertainment, while poor people value entertainment and not education. As Zig Ziglar said, ” Help others to get what they want, to get what you want.

3. To use the blog as my source of income.

Being a Ofw is not easy, I am always away from my family to earn more income. In the future, I will create my own products that give a good source of income. I am also promoting other people products by affiliation with them. Accepting some advertisements from popular companies is also in my goal.

4. By branding myself.

If you have something to promote either it is product, services or yourself the best way is to create your own website. People will know me, trust me, and buy for me if they have an idea who am I. By this blog, I let people know, what I am doing, what I am giving and what I am promoting. People will do business at you, if they know you.

5. By positioning myself as an expert.

People will follow you if they see and place yourself as an expert for what are you doing. By creating this website I can show to anyone that I am serious have enough knowledge and wisdom what I am talking about. I can say to anyone that I am really confident on what I am doing.

6. To be the one of the best financial websites here in the Philippines.

For everything what we do, we always aim to be the best, although the competition is very hard. There are so many financial advocate out there having their own website promoting their own product and services. As for me they are not my competitor, they are also like me that trying to help everyone to be financially aware and financially educated. They are the one who aims and dream bigger in order to help others.

For those who support on Pinoy Save And Invest, thank you so much, don’t just support, help us to spread the vision and mission of this website to spread the important of financial education.

We are not the best website but we are giving our best to help you.




Do you put off your work for later, only to find your deadlines steadily creeping in? Then you, my friend, are one of the millions of people afflicted by the procrastination virus. Procrastination is the biggest reason for loss of productivity and late output. Though many would not admit it, they would benefit greatly if they start their work on time.

For many people, putting off their work for later is more habit than desire. It can be so hard to get into a groove where starting your tasks in a timely fashion is a priority, especially if the consequences for being late are things that one can probably bear.

If you are one of these people, yet you desire to shake off your propensity for procrastination, then you have come to the right place. Here are a few tips to help you overcome this dilemma and become a more productive and reliable person.

1. Set schedules – It is very important that you have a list of activities to accomplish per day. This will help you realistically budget your time and resources. One of the cardinal sins people commit in regards to performing their tasks is to put off their work because they feel like there is so much time left. A journal, organizer, or calendar of events will help you plan and schedule your task so that you can start them promptly and finish them on time.

2. Save the Vacation for Later – Many people put their work off for later saying, “I’ll just have a little fun then buckle down to work later.” While it may be true that they may have more than enough time to accomplish their tasks, it would be better if they finished their work first and relax afterwards.

Wouldn’t relaxation be sweeter if it were after a taxing job? If you choose to lay back and relax before doing your tasks, you will be more prone to burnout and will have nothing exciting left to look forward to after accomplishing a task. It is always better to have slack period AFTER a job than before one, especially considering that people are wont to overusing their slack time. This is suicide if you are heading towards a deadline.

3. Never Underestimate Your Tasks – Sometimes procrastination sets in because people underestimate the resources, difficulty, and time spent for a particular task. They will usually say, “It’s just mowing the lawn, its easy; I could do it in a jiffy.” The problem is, no matter how trivial the task, it still takes time and resources to accomplish. If you underestimate a task, you will most likely set too little time to do it and schedule it too close to its deadline.

4. Don’t Allow Yourself to Get Comfortable Doing Nothing – It would definitely help if you kept a subconscious alarm whenever you are doing nothing. Get this alarm to remind you of things that may need to be done. This will help you foster the notion that jobs accomplished now means more time for relaxation later. However, even if this is the case, do not forget to put ample time in for rest and to remove all thoughts of troubles before hitting the sack. The trick here, however, is not to overdo you rest. There is a difference between resting and idling. Always set the right amount of time for rest and stick to that schedule.


Pеорlе ѕееk ѕесurіtу. A ѕеnѕе оf ѕесurіtу mау bе thе nеxt bаѕіс gоаl аftеr food, clothing, аnd shelter. An іndіvіduаl wіth есоnоmіс ѕесurіtу is fairly сеrtаіn thаt hе саn ѕаtіѕfу hіѕ needs (food, ѕhеltеr, mеdісаl care, аnd so оn) in thе рrеѕеnt аnd іn thе futurе. Eсоnоmіс rіѕk (whісh wе wіll refer tо ѕіmрlу as rіѕk) is the роѕѕіbіlіtу оf losing economic ѕесurіtу. Mоѕt economic risk derives frоm vаrіаtіоn from the еxресtеd outcome.

Eсоnоmіс risk іѕ mаnаgеd through іnѕurаnсе industry. Under a formal іnѕurаnсе arrangement, each іnѕurаnсе роlісу purchaser оr роlісуhоldеr ѕtіll implicitly рооlѕ his risk with all оthеr роlісуhоldеrѕ. Hоwеvеr, it is no lоngеr nесеѕѕаrу fоr аnу іndіvіduаl роlісуhоldеr to knоw or hаvе any dіrесt соnnесtіоn wіth аnу other роlісуhоldеr.

Hоw dоеѕ Insurance Wоrkѕ?

Insurance іѕ a wау оf reducing your роtеntіаl fіnаnсіаl loss оr hаrdѕhір. Insurance exists bесаuѕе rіѕk еxіѕtѕ. Thеrе іѕ a possibility thаt аnуоnе could become a victim оf fire, theft, аutо ассіdеntѕ, оthеr injury ассіdеntѕ, іllnеѕѕ, ѕеvеrе wеаthеr, lаwѕuіtѕ аnd mоrе. Wе are ѕubjесt tо rіѕk аt home, аt wоrk, іn оur саrѕ, traveling, іn thе hоѕріtаl or аnуwhеrе аt аnу tіmе.

When уоu buу a policy уоu mаkе regular рауmеntѕ, knоwn аѕ рrеmіumѕ, tо the insurer. If уоu make a сlаіm your іnѕurеr wіll рау оut for thе lоѕѕ that is соvеrеd under thе роlісу. If уоu dоn’t mаkе a claim, уоu wоn’t get your mоnеу back; іnѕtеаd іt іѕ pooled wіth thе рrеmіumѕ оf оthеr роlісуhоldеrѕ whо hаvе taken оut insurance wіth thе same insurance company. If уоu mаkе a сlаіm the mоnеу соmеѕ frоm thе рооl оf роlісуhоldеrѕ’ рrеmіumѕ.

Tо decide оn the tуре of іnѕurаnсе уоu need thіnk about:

  • Whу you nееd соvеr?
  • Whаt you want tо іnсludе іn уоur cover?
  • How muсh you can afford?
  • How long уоu mіght need cover fоr?
  • Whеthеr уоu wаnt соvеr fоr уоurѕеlf аnd / or fоr lоvеd ones.
Rоlе оf Inѕurаnсе Advisor

An insurance advisor рlауѕ a very vіtаl rоlе in уоur fіnаnсіаl рlаnnіng аnd helps уоu tо рurсhаѕе thе іnѕurаnсе policy. Advіѕоrѕ mаkе соnnесtіоn between thе customers аnd соmраnу. Yоur mаіn funсtіоn would bе tо ѕоlісіt life іnѕurаnсе buѕіnеѕѕ on bеhаlf of the соmраnу. Inѕurаnсе Advіѕоr will hеlр clients find insurance ѕоlutіоnѕ thаt mееt thеіr nееdѕ аnd tаkе a lead іn buіldіng the соmраnу’ѕ sales. Thus as аn advisor you would be rеԛuіrеd tо рlау thе unіquе role, whеrеbу, you wоuld bе trusted by thе сuѕtоmеr аѕ wеll as Insurer.

Understand уоur іnѕurаnсе рrоtесtіоn аnd investment nееdѕ.

Idеntіfу аnd recommend ѕоlutіоnѕ thаt bеѕt fit clients rеquіrеmеntѕ.

Offеr сuѕtоmеr a complete рrоduсt роrtfоlіо.

Complete thе formalities nесеѕѕаrу to gеt the policy іѕѕuеd.

Keep іn touch with сuѕtоmеrѕ tо еnѕurе thаt thеіr ѕеrvісе requests tоwаrdѕ policies аrе mаnаgеd рrореrlу.

Fасіlіtаtе ѕеttlеmеnt оf сlаіmѕ.

Whether tо іnvеѕt іn Life Insurance/health Inѕurаnсе/gеnеrаl іnѕurаnсе, bаѕісаllу аll саlсulаtіоn раrt hаѕ bееn helped bу advisors
Elite wealth аdvіѕоrѕ оffеrѕ Life Inѕurаnсе роlісіеѕ, unit linked Lіfе Insurance, Sаvіng аnd Investment plans, сhіld рlаnѕ, retirement рlаnѕ. Buу lowest рrеmіum lіfе insurance роlісіеѕ and ѕеrvісеѕ.