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- grayfox17
- Primal Rage
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Since wala ako alam pagdating sa stock market, another option ko for safe investment is time deposit. Medyo maliit ang interest rate pero kung iseset ko sya for 3 mos tapos diretso for 1 year lang medyo ok na yung gain para sa kin. Di hamak na mas malaki yung makukuha kong interest rate from time deposit kesa yung month end na interest na barya lang. Pero di ko pa rin maikilos yun, hanggang ngayon natutulog pa rin sa bangko pera ko
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- kurtsky
- Primal Rage
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Grabe, sa tagal ko sa BPO , laging ubus ipon.
Kelangan ko rin ata mag try niyang stocks na yan . Hindi ba delikado?
Kelangan ko rin ata mag try niyang stocks na yan . Hindi ba delikado?
- SirZap
- Big Daddy
- Posts: 4617
- Joined: Mon Dec 01, 2003 5:34 pm
- PSN ID: SirZapp
magkaiba ang savings sa stocks.
unang tanong sa stocks is... may pang-invest ka ba? kung wala, paano magkakaroon? mag-save.
therefore, mag-save muna bago mag-invest sa stocks. yan ang proper way.
unang tanong sa stocks is... may pang-invest ka ba? kung wala, paano magkakaroon? mag-save.
therefore, mag-save muna bago mag-invest sa stocks. yan ang proper way.
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- DarkRushBeat
- Primal Rage
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^^Korek...Kaya ako nag iipon muna ng pampuhunan...Thankfully i have someone i can approach to when it comes to stocks...
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
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- SirZap
- Big Daddy
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the reasons why you have to build up your savings first before you invest are:
1. emergency fund. that savings will help provide the money for unforeseen situations like hospitalization, sickness, accidents, or even fire.
take note, however, this should exclude buying games, clothing, gifts, vacation, pang-gimik, or lending other people.
2. buffer fund. imagine if you're unemployed for weeks, even months. this should serve as extra money that you can spend when you lose your job.
idealy savings should be at least 6 months of your total monthly expenses.
3. excess fund. if you are able to save that 6months equivalent then that's the time you can invest. technically you can invest immediately even without savings, however, based on my experience there were some obligations I have to fulfilled that's why I have to pull out my investments twice.
about risks, every investment is risky but some investment gurus out there have said that the real risk is in the investor and not the investment. you really have to invest in knowledge and experience. its a good thing that you can simulate trading stock which is called paper trading. just pretend that you have the money and then buy the stock. then follow it up every day if it goes up or down. you can analyze or predict if the stock price will go up or down using technical or fundamental analyses. fundamental analysis entails general market knowledge and reading accounting reports. while technical is looking at the pattern of price fluctuations.
anyway there are seminars available out there. for basics you can go to PSE for a free seminar to familiarize with stock terms and trading. for technical analysis go to Absolute Traders. for fundamentals, it's really your academic economics class and/or accounting subjects. of you can teach yourself via youtube.
1. emergency fund. that savings will help provide the money for unforeseen situations like hospitalization, sickness, accidents, or even fire.
take note, however, this should exclude buying games, clothing, gifts, vacation, pang-gimik, or lending other people.
2. buffer fund. imagine if you're unemployed for weeks, even months. this should serve as extra money that you can spend when you lose your job.
idealy savings should be at least 6 months of your total monthly expenses.
3. excess fund. if you are able to save that 6months equivalent then that's the time you can invest. technically you can invest immediately even without savings, however, based on my experience there were some obligations I have to fulfilled that's why I have to pull out my investments twice.
about risks, every investment is risky but some investment gurus out there have said that the real risk is in the investor and not the investment. you really have to invest in knowledge and experience. its a good thing that you can simulate trading stock which is called paper trading. just pretend that you have the money and then buy the stock. then follow it up every day if it goes up or down. you can analyze or predict if the stock price will go up or down using technical or fundamental analyses. fundamental analysis entails general market knowledge and reading accounting reports. while technical is looking at the pattern of price fluctuations.
anyway there are seminars available out there. for basics you can go to PSE for a free seminar to familiarize with stock terms and trading. for technical analysis go to Absolute Traders. for fundamentals, it's really your academic economics class and/or accounting subjects. of you can teach yourself via youtube.
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- DarkRushBeat
- Primal Rage
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Share ko lang bwa ha ha ha
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
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FC: 1934-0903-9050
- kurtsky
- Primal Rage
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6 Years sa Bpo walang ipon, iba talaga pag wrong decision making. Hassle!
- DarkRushBeat
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Ganito rin ako dati...Until 1 day narealize ko...Damn, ano na ba naipundar ko sa tagal ko na sa BPO (Toys & Books excluded of course... )? So nagmasid masid ako ng mga bagay...Ayun...1 DVD player na galing sa muslim (yung mumurahin), 1 electric fan, cellphones, Nintendo DS...kurtsky wrote:6 Years sa Bpo walang ipon, iba talaga pag wrong decision making. Hassle!
Langya...
That's when i realized a bit too late that i needed to save some & not spend it all away...So thankfully ngayon medyo marami na rin akong naipundar for me & my family...And my next target this year is a generator set since i work at home...
Lesson learned? Save what you can....
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
- grayfox17
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First 2 years ko (2 diff companies din) sa BPO wala din ako na-save, nagasta ko lahat sa luho at syota heheh... wala eh, fresh grad ako noon, bata pa at solo ko ang sahod ko kaya madali ma-tempt sa mga bagay-bagay. Gasta kung gasta talaga at di naman ako pinapakialaman ng mga magulang ko that time pero nung pangatlong BPO ko kahit papano natauhan ako kaya nagsimula ako magtabi. Yun ngayon yung nadala kong panggastos nung nag SG ako.DarkRushBeat wrote:Ganito rin ako dati...Until 1 day narealize ko...Damn, ano na ba naipundar ko sa tagal ko na sa BPO (Toys & Books excluded of course... )? So nagmasid masid ako ng mga bagay...Ayun...1 DVD player na galing sa muslim (yung mumurahin), 1 electric fan, cellphones, Nintendo DS...kurtsky wrote:6 Years sa Bpo walang ipon, iba talaga pag wrong decision making. Hassle!
Langya...
That's when i realized a bit too late that i needed to save some & not spend it all away...So thankfully ngayon medyo marami na rin akong naipundar for me & my family...And my next target this year is a generator set since i work at home...
Lesson learned? Save what you can....
Now that i'm older, medyo malaki laki na ang ipon ko kumpara sa dati at mas wise na ko pagdating sa pera. Hindi na ko palagasta at ingat na ingat ako sa mga paggagamitan ko ng budget. At ang nakakaalam lang ng ipon ko ay ako at ang bangko ko, kahit mga magulang ko walang idea sa total na naipon ko. Kaya kahit parelax-relax ako sa buhay ko ngayon ok lang kasi binata naman ako by choice so masasabi ko hindi ako tambay lang. Kahit pobre ako kumilos at pumorma atleast i can sleep well at night knowing na may stable akong ipon.
Nakakatuwa isipin na kahit magastos ang hobby ko nung nasa SG ako kahit papano nakapagtabi pa rin ako.
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- DarkRushBeat
- Primal Rage
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Oo i collect toys na mahal pero i collect responsibly naman & i know my priorities din...Ngayon nakakapag tabi na ko kahit papano..Hindi kagaya nung nasa BPO pa ako (hindi sa minamaliit ko BPO industry ha), pero meron kasi "provincial rate" kuno dito sa Batangas kaya ganun na lang sahod sa BPO dito...
@topic...
@topic...
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
- kurtsky
- Primal Rage
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Late 30s nako ngayon palang ako nagbabalak mag ipon, bute nalang wala pang asawa. :/
- grayfox17
- Primal Rage
- Posts: 7503
- Joined: Tue Feb 28, 2012 9:52 am
Kung tutuusin hindi ka talaga yayaman kahit na anong ipon mo dito sa pinas, narealize ko lang to maigi after ko mag abroad. Kasi dito sa pinas tumataas ang mga bilihin pero mababa ang pasahod lalo na sa mga ordinaryong empleyado, di pa kasama dyan yung buwanang kaltas sa tax at govt benefits. Sa ganun lagay hindi ka talaga makakaipon at hindi ka basta basta makakabili ng gusto mo.
Nung nasa SG ako, mababa ang sinasahod ko kumpara sa standard net ng dapat makuha ng isang ordinaryong empleyado. Ang advantage lang is mababa lang tax ko. It varies annually pero mababa kumpara dito. Pinaka-mahal na binayaran kong buwis was less than 70SGD so that's 2K+ petot lang .. and that's for the entire year na. Eh dito sa pinas halos every other month almost 2k na agad total na kaltas syo, excluding pa yung mga SSS at philhealth.
Kaya ako, di muna ko mag syota ulit, magastos eh.
Nung nasa SG ako, mababa ang sinasahod ko kumpara sa standard net ng dapat makuha ng isang ordinaryong empleyado. Ang advantage lang is mababa lang tax ko. It varies annually pero mababa kumpara dito. Pinaka-mahal na binayaran kong buwis was less than 70SGD so that's 2K+ petot lang .. and that's for the entire year na. Eh dito sa pinas halos every other month almost 2k na agad total na kaltas syo, excluding pa yung mga SSS at philhealth.
Kaya ako, di muna ko mag syota ulit, magastos eh.
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- DarkRushBeat
- Primal Rage
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I know someone who saved up all his coins on a daily basis dati, 5 & 10...Eventually naka ipon sya ng 500.00 over all & nagamit nya yun when he got married, pandagdag sa simpleng handaan nila...
Ang isa sa pinaka idol ko sa pera is John D. Rockefeller...At an early age matinik na ang business skills nya...Making money work for you ang isa sa motto nya sa buhay...And kahit naging mega billionaire na sya ayaw nya nakikita mga anak nya na nagiiwan ng scraps of food sa plato...
Ang isa sa pinaka idol ko sa pera is John D. Rockefeller...At an early age matinik na ang business skills nya...Making money work for you ang isa sa motto nya sa buhay...And kahit naging mega billionaire na sya ayaw nya nakikita mga anak nya na nagiiwan ng scraps of food sa plato...
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
- VincH
- Primal Rage
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- Joined: Sat Oct 23, 2004 10:02 pm
galing sa rants thread.
last year ko pa pina cancel ang cignal cable ko para sa 2 tv namin. hindi ko naman na miss ang cable. bumili na lang ako ng tv plus tutal puro news na lang ang pinapanood ko sa tv. nakatipid pa ako ng mahigit 2k monthly
last year ko pa pina cancel ang cignal cable ko para sa 2 tv namin. hindi ko naman na miss ang cable. bumili na lang ako ng tv plus tutal puro news na lang ang pinapanood ko sa tv. nakatipid pa ako ng mahigit 2k monthly
saaaandaliiiii laaaaannnggg!!!
- DarkRushBeat
- Primal Rage
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- Joined: Thu Nov 02, 2006 10:12 am
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Eto rin isa sa pinaka maayos na naisip ko nung nag relocate ako dito sa Batangas kina Kumander...VincH wrote:galing sa rants thread.
last year ko pa pina cancel ang cignal cable ko para sa 2 tv namin. hindi ko naman na miss ang cable. bumili na lang ako ng tv plus tutal puro news na lang ang pinapanood ko sa tv. nakatipid pa ako ng mahigit 2k monthly
Sanay ako sa cable sa amin sa QC pero nung narealize ko dito na hindi worth it (kasi me mga in laws akong tamad & wala ng ginawa kundi tumunganga sa TV all day & yung kuryenteng kinokunsumo nila e ako ang nagbabayad), i decided not to have any maski Cignal...Iniintay ko na lang magkaroon ng signal dito yang TV Plus & yun na lang...
@topic...Bibili rin ako alkansya para yung extra coins ko e maitabi ko pa...
Hope this helps din sa fellow PPSers naten na nag iipon ngayon...Ok na ako sa 52 week Peso Sense Challenge ko...Pero check nyo rin ito...
http://www.fhm.com.ph/be-a-better-man/m ... 8-20170105
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
- grayfox17
- Primal Rage
- Posts: 7503
- Joined: Tue Feb 28, 2012 9:52 am
^hehe...sa fhm pa talaga kumuha ng tips oh!
For your coins, wag ka na bumili ng alkansya pre, mag DIY ka na lang. Ako nga lalagyan ko lang ng barya dito sa kwarto is yung mga disposable na cannisters. Puro mamiso at 25centavos ang laman. Pag napuno na saka ko bibilangin tapos ipapa-buo ko. May pambisyo pa ko hehe...
For your coins, wag ka na bumili ng alkansya pre, mag DIY ka na lang. Ako nga lalagyan ko lang ng barya dito sa kwarto is yung mga disposable na cannisters. Puro mamiso at 25centavos ang laman. Pag napuno na saka ko bibilangin tapos ipapa-buo ko. May pambisyo pa ko hehe...
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- DarkRushBeat
- Primal Rage
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- Joined: Thu Nov 02, 2006 10:12 am
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Gusto ko kasi yung meron lock Pre he he...Kagaya nung Spongebob Tin Can ng anak ko, yun ang ginamit ko sa ipon ko last year & pinatago ko ke Kumander yung susi...And minsan ulyanin na ko, i dont recall agad san ko naitatago mga bagay...So mas ok na sa akin yung alkansyang meron lock para talagang no temptation he he he....grayfox17 wrote:^hehe...sa fhm pa talaga kumuha ng tips oh!
For your coins, wag ka na bumili ng alkansya pre, mag DIY ka na lang. Ako nga lalagyan ko lang ng barya dito sa kwarto is yung mga disposable na cannisters. Puro mamiso at 25centavos ang laman. Pag napuno na saka ko bibilangin tapos ipapa-buo ko. May pambisyo pa ko hehe...
In a nutshell, effective talaga yung dating ng Peso Sense Challenge sa akin na yun last year...That's why i decided to make it an annual thing for me...
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
- grayfox17
- Primal Rage
- Posts: 7503
- Joined: Tue Feb 28, 2012 9:52 am
May better option kesa sa pagtatabi lang ng barya, mag tabi ka agad ng fixed amount from your sahod every payday and di hamak mas malaki ang mabubuno mo that way. Ginawa ko dati sa abroad to, yung may auto-debit yung main account ko papunta sa sub account ko na 100SGD tapos naka set sya na mag activate on whichever day you pick. Bukod dun nag aalis din ako ng additional 200SGD papunta naman sa isa ko pang savings na balak ko i-remit. So by the end of the year malaki laki na yun.
Dito sa pinas, 70% ng sahod ko tinatabi ko agad tapos nag iiwan na lang ako ng sasakto sa expenses ko till the next payday. Worked well for me for the past 2 years. Alalay na lang sa gastusin para hindi masira ang tinabing budget.
Dito sa pinas, 70% ng sahod ko tinatabi ko agad tapos nag iiwan na lang ako ng sasakto sa expenses ko till the next payday. Worked well for me for the past 2 years. Alalay na lang sa gastusin para hindi masira ang tinabing budget.
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