Usapang Pera

Talk about things other than video games. What are your other hobbies? What's your favorite TV show? Are you into sports. Any recommended restaurants? Do you travel?
Post Reply
User avatar
grayfox17
Primal Rage
Primal Rage
Posts: 7503
Joined: Tue Feb 28, 2012 9:52 am

^naisip ko din mag invest sa stocks nung nasa SG pa ko so nagtanong tanong ako sa mga kasama ko pero nung pinaliwanag sa kin yung concept medyo nawindang ako kaya umatras na lang ako. :shock: Dalawang bagay lang na sinabi sa kin na dapat i-consider before investing in stocks: 1.) make sure may puhunan ka pambawi and 2.) don't invest your entire life savings :sweat:
**** ****!
User avatar
DarkRushBeat
Primal Rage
Primal Rage
Posts: 6260
Joined: Thu Nov 02, 2006 10:12 am
Location: The Twilight Zone

Saka dapat tutukan talaga when it comes to stocks...Thankfully i have a mentor (barkada kong homebased worker na 2 years na rin nag iinvest sa stocks)...Minsan yung sinasahod nya sa stocks ang ginagamit nya sa sideline nyang bags & shoes for women...
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
User avatar
grayfox17
Primal Rage
Primal Rage
Posts: 7503
Joined: Tue Feb 28, 2012 9:52 am

tama, dapat tutukan talaga at babantayan mo. Kahit yung room mate ko noon sa SG halos puyat magdamag yan kaka-bantay sa stocks. On-call na nga sya na kahit madaling araw tinatawagan sya ng client tapos kelangan pa nya tutukan yung market. Kaya basag lagi yun eh. In perness, maganda ang payoff, dun din sya kumukuha ng delihensya para sa mga pangluho nya.
**** ****!
User avatar
DarkRushBeat
Primal Rage
Primal Rage
Posts: 6260
Joined: Thu Nov 02, 2006 10:12 am
Location: The Twilight Zone

grayfox17 wrote:tama, dapat tutukan talaga at babantayan mo. Kahit yung room mate ko noon sa SG halos puyat magdamag yan kaka-bantay sa stocks. On-call na nga sya na kahit madaling araw tinatawagan sya ng client tapos kelangan pa nya tutukan yung market. Kaya basag lagi yun eh. In perness, maganda ang payoff, dun din sya kumukuha ng delihensya para sa mga pangluho nya.
True...yung kaka terminate lang namin na co-worker this week, naka kuha ng 70k sa stocks...talo nga lang sya ng barkada nya, nakapag benta ng stocks worth 3 million petot...
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
User avatar
VincH
Primal Rage
Primal Rage
Posts: 3497
Joined: Sat Oct 23, 2004 10:02 pm

^ buti pa sila kumikita. ako laki pa din ng paper loss :sweat: bull run daw ang stock market this year at mukhang magiging record high (9000+) i hope makabawi this year. :sweat:
saaaandaliiiii laaaaannnggg!!!
User avatar
grayfox17
Primal Rage
Primal Rage
Posts: 7503
Joined: Tue Feb 28, 2012 9:52 am

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. :sweat: Pero di ko pa rin maikilos yun, hanggang ngayon natutulog pa rin sa bangko pera ko :lol:
**** ****!
User avatar
kurtsky
Primal Rage
Primal Rage
Posts: 1574
Joined: Sat Aug 12, 2006 4:18 am
PSN ID: kurtskyKG
Location: Metro Manila
Contact:

Grabe, sa tagal ko sa BPO , laging ubus ipon.
Kelangan ko rin ata mag try niyang stocks na yan . Hindi ba delikado?
User avatar
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.
Image
Like · Comment · Share
You and 101 others like this.
User avatar
DarkRushBeat
Primal Rage
Primal Rage
Posts: 6260
Joined: Thu Nov 02, 2006 10:12 am
Location: The Twilight Zone

^^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....


Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building


Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
User avatar
SirZap
Big Daddy
Posts: 4617
Joined: Mon Dec 01, 2003 5:34 pm
PSN ID: SirZapp

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.
Image
Like · Comment · Share
You and 101 others like this.
User avatar
DarkRushBeat
Primal Rage
Primal Rage
Posts: 6260
Joined: Thu Nov 02, 2006 10:12 am
Location: The Twilight Zone

Share ko lang bwa ha ha ha


Image
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
User avatar
kurtsky
Primal Rage
Primal Rage
Posts: 1574
Joined: Sat Aug 12, 2006 4:18 am
PSN ID: kurtskyKG
Location: Metro Manila
Contact:

6 Years sa Bpo walang ipon, iba talaga pag wrong decision making. Hassle!
User avatar
DarkRushBeat
Primal Rage
Primal Rage
Posts: 6260
Joined: Thu Nov 02, 2006 10:12 am
Location: The Twilight Zone

kurtsky wrote:6 Years sa Bpo walang ipon, iba talaga pag wrong decision making. Hassle!
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... :D )? So nagmasid masid ako ng mga bagay...Ayun...1 DVD player na galing sa muslim (yung mumurahin), 1 electric fan, cellphones, Nintendo DS...

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
User avatar
grayfox17
Primal Rage
Primal Rage
Posts: 7503
Joined: Tue Feb 28, 2012 9:52 am

DarkRushBeat wrote:
kurtsky wrote:6 Years sa Bpo walang ipon, iba talaga pag wrong decision making. Hassle!
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... :D )? So nagmasid masid ako ng mga bagay...Ayun...1 DVD player na galing sa muslim (yung mumurahin), 1 electric fan, cellphones, Nintendo DS...

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....
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 :sweat: pero nung pangatlong BPO ko kahit papano natauhan ako kaya nagsimula ako magtabi. Yun ngayon yung nadala kong panggastos nung nag SG ako.

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. :sweat:
**** ****!
User avatar
DarkRushBeat
Primal Rage
Primal Rage
Posts: 6260
Joined: Thu Nov 02, 2006 10:12 am
Location: The Twilight Zone

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...

Image
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
User avatar
kurtsky
Primal Rage
Primal Rage
Posts: 1574
Joined: Sat Aug 12, 2006 4:18 am
PSN ID: kurtskyKG
Location: Metro Manila
Contact:

Late 30s nako ngayon palang ako nagbabalak mag ipon, bute nalang wala pang asawa. :/
User avatar
grayfox17
Primal Rage
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. :sweat: :lol:
**** ****!
User avatar
kurtsky
Primal Rage
Primal Rage
Posts: 1574
Joined: Sat Aug 12, 2006 4:18 am
PSN ID: kurtskyKG
Location: Metro Manila
Contact:

Ang hirap pagkasyahin, Pagkatapos ng sahod ubos na.
Kahit backpay, wala na.
Last edited by kurtsky on Wed Jan 18, 2017 9:29 pm, edited 1 time in total.
User avatar
VincH
Primal Rage
Primal Rage
Posts: 3497
Joined: Sat Oct 23, 2004 10:02 pm

importante talaga na mahaba ang pisi mo. may peace of mind ka. makakatulog ka ng mahimbing na di gano nagwo worry.
saaaandaliiiii laaaaannnggg!!!
User avatar
DarkRushBeat
Primal Rage
Primal Rage
Posts: 6260
Joined: Thu Nov 02, 2006 10:12 am
Location: The Twilight Zone

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...
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
Post Reply