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#481 MRROUGHSEX

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Posted 22 September 2019 - 06:55 AM

Whew.  Finally!  Nagsidatingan na ang mga bayad sa akin na naipit dahil ang mga taong nag-aasikaso ng mga iyon ay sinapian ng kung anong espiritu.

 

Buti na lang nasa abroad at ibang bayan ako last month kaya travel budget ko ang gumagana sa halos buong Agosto.  Halos hindi ko nagalaw ang contingency fund ko kasi napalitan siya agad nung dumating ang bayad sa translation job ko.

 

Pati back pay ko, in good order na rin.  

 

Bills for August and September paid.  Budget all the way to November fixed.

 

Time to invest in the stock market via the bourse and mutual funds next month.

 

And time to open a separate mutual fund account for my house and lot savings :D

 

 

Now, I only need the business to find a good client for it to start earning decently.

 

 

PERA PA!!!!!!!!  :lol:  :lol:  :lol:  :lol:  :lol:  :lol:  :lol:  :lol:  :lol:

Happy to hear it Neville!  


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#482 neville

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Posted 03 October 2019 - 01:38 PM

Wow. Namumula ang portfolio ko.

Hirap ng di nagbabasa ng balita, di ko malaman kung bakit mas malala ngayon ang market performance kung ikukumpara mo sa August the ghost month.

Pati mutual funds ko dumudugo.


Sa Sabado pa ako magpapasok ng pera.

Market, next next week ka na umakyat. Lol.

#483 JohannBeckham

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Posted 04 October 2019 - 09:34 AM

Wow. Namumula ang portfolio ko.

Hirap ng di nagbabasa ng balita, di ko malaman kung bakit mas malala ngayon ang market performance kung ikukumpara mo sa August the ghost month.

Pati mutual funds ko dumudugo.


Sa Sabado pa ako magpapasok ng pera.

Market, next next week ka na umakyat. Lol.

Ako din sa akinse pa ang sweldo kya olats. OK lng yan basta keep on saving and having the discipline to invest.

Ang problema ko lng, nate temp na nmn ako bumili ng lens for my Sony Full frame camera. I'm lusting over the bokeh of 85mm f/1.4 lens.

Kyo ba, how do you stop yourself from spending? Or Y.O.L.O na lng ba?

Edited by JohannBeckham, 04 October 2019 - 09:35 AM.


#484 neville

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Posted 04 October 2019 - 12:34 PM

Kung kaya pigilan ang sariling gastusin ang pera, pinipigilan ko.

Pero ginagawa ko may dedicated slush fund ako para sa gadgets para di magalaw budget ko sa investment. Pag kulang pa slush fund, ipon pa at tiis lang sa paghihintay.
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#485 MRROUGHSEX

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Posted 09 October 2019 - 08:16 PM

Kayo ba, how do you stop yourself from spending? Or Y.O.L.O na lng ba?

 

YOLO for now habang able pa body.  :)

 

However, inuuna ko  savings target rate via direct deposit from my pay account.    But I do not set it high like you and other FIRE folks do.  Tama na 20% + compounding over time.  :D    Tama na sa akin yan then enjoy life na!  



#486 JohannBeckham

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Posted 12 October 2019 - 05:05 PM

 
YOLO for now habang able pa body.  :)
 
However, inuuna ko  savings target rate via direct deposit from my pay account.    But I do not set it high like you and other FIRE folks do.  Tama na 20% + compounding over time.  :D    Tama na sa akin yan then enjoy life na!  


Actually I'm now going the "SLOW-FI" route. I mean, sometimes the journey is more important than the velocity or how fast you reach your destination. We're still saving 44% of take home pay, but there's no reason not to splurge into experience or things we love and value e.g. travel, bikes, photography hobby. This year yan ang realisation namin, YOLO knowing that it will delay our retirement date. But we would like to retire doing the same things we're doing now e.g. spending time with family, enjoying our hobbies, tsking care of our health and travelling.
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#487 MRROUGHSEX

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Posted 13 October 2019 - 07:18 AM

20191012 Updates:  

 

Property

* Reduce total debt to $58K by year-end  (currently at $60.0K)

* Expect condo value to appreciate to $50K by-year end (currently at $49.5K)

* Anticipate house value to appreciate to  $280K by yea- end (currently at $273.0K)

 

Savings for Current Use

* Increase college savings of children to $20K by year-end (currently at $18.7K)  

* Buttress business fund to  $65K by-year end (currently at  $71K)   (Note:  Conservative case at 92% of actual) - MET

 

Savings for Retirement/Future Use

* Grow retirement savings to   $170K by year-end (currently at  $166K)  (Note:  Conservative case at 92% of actual)

* Drum up social security savings to $170K by year-end (currently at $166K)  (Note:  PV at $360K for age 62)

 

 

 

 


Edited by MRROUGHSEX, 13 October 2019 - 07:20 AM.


#488 JohannBeckham

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Posted 14 October 2019 - 11:13 AM


20191012 Updates:  

 

Property

* Reduce total debt to $58K by year-end  (currently at $60.0K)

* Expect condo value to appreciate to $50K by-year end (currently at $49.5K)

* Anticipate house value to appreciate to  $280K by yea- end (currently at $273.0K)

 

Savings for Current Use

* Increase college savings of children to $20K by year-end (currently at $18.7K)  

* Buttress business fund to  $65K by-year end (currently at  $71K)   (Note:  Conservative case at 92% of actual) - MET

 

Savings for Retirement/Future Use

* Grow retirement savings to   $170K by year-end (currently at  $166K)  (Note:  Conservative case at 92% of actual)

* Drum up social security savings to $170K by year-end (currently at $166K)  (Note:  PV at $360K for age 62)

 

 

 

 


Solid networth pre. So thats what close to USD$700k? Astig, pwedeng pwede ka nang mag retire sa Pinas

#489 neville

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Posted 17 October 2019 - 03:48 PM

Some of my trades are still open because the prices I pegged did not match the prevailing market prices.  

 

Currently almost 390K pesos in portfolio value now.  Hoping I have 110K by the end of the year so I can be worth 500K in paper assets alone.

 

Wishing my portfolio is valued at 1M pesos by December 2020.

 

 

 

 

 

 

 

 

 

 

 

"Pera, ulan pa patungo sa akin!"



#490 neville

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Posted 17 October 2019 - 03:52 PM

Sino nga ba uli yung kausap ko tungkol sa consulting?

 

May prospective client kami ng Ate ko, at mukhang di kami kukunin.  Ang mahal raw ng fee namin.  

 

Nahiya naman ako kay kuya, sa requirements niyang 2 page well-written report (di na nga translation ang kailangan niya, writing assistance talaga) due within 24 hours, gusto niya bayad estudyante.

 

Umikot na lang mata ko.

 

Ayun, hanap uli ng kliyente.  Sana yung kumuha na sa amin ay matinong kausap na matino ring magbayad :D

 

Sana dalawa man lang sila by January 2020.   :wub:  :wub:  :wub:


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#491 MRROUGHSEX

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Posted 17 October 2019 - 09:00 PM

Kaya yan neville!  Go lang ng go!  :)


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#492 sexdrive9000

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Posted 18 October 2019 - 08:04 AM

Sino nga ba uli yung kausap ko tungkol sa consulting?

 

May prospective client kami ng Ate ko, at mukhang di kami kukunin.  Ang mahal raw ng fee namin.  

 

Nahiya naman ako kay kuya, sa requirements niyang 2 page well-written report (di na nga translation ang kailangan niya, writing assistance talaga) due within 24 hours, gusto niya bayad estudyante.

 

Umikot na lang mata ko.

 

Ayun, hanap uli ng kliyente.  Sana yung kumuha na sa amin ay matinong kausap na matino ring magbayad :D

 

Sana dalawa man lang sila by January 2020.   :wub:  :wub:  :wub:

 

Always know your worth, good job on declining that client :) 

 

Anong services pala to? Copywriting?



#493 neville

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Posted 18 October 2019 - 09:45 AM

 

Always know your worth, good job on declining that client :)

 

Anong services pala to? Copywriting?

 

 

Thanks. 

 

Translation ang service namin.  Test translation daw.  Pagkita ko ng original, not fit for translation, it was fit for rewriting.  Since I came from the corporate world, I have some know-how on making reports that would suit people in high position.  So kahit di namin trabaho, kukunin namin yon kung kaya niya PF namin.  

 

Kaso hindi.  

 

:P



#494 Papa Pipoy

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Posted 18 October 2019 - 10:15 AM

Sino nga ba uli yung kausap ko tungkol sa consulting?
 
May prospective client kami ng Ate ko, at mukhang di kami kukunin.  Ang mahal raw ng fee namin.  
 
Nahiya naman ako kay kuya, sa requirements niyang 2 page well-written report (di na nga translation ang kailangan niya, writing assistance talaga) due within 24 hours, gusto niya bayad estudyante.
 
Umikot na lang mata ko.
 
Ayun, hanap uli ng kliyente.  Sana yung kumuha na sa amin ay matinong kausap na matino ring magbayad :D
 
Sana dalawa man lang sila by January 2020.   :wub:  :wub:  :wub:

Sorry na po mam..pasensya na kung hampaslupa na walang pambayad 😂✌️

#495 neville

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Posted 18 October 2019 - 10:50 AM

Sorry na po mam..pasensya na kung hampaslupa na walang pambayad ✌️

 

 

Hahahahahahahahaha!!!!!!!!!!



#496 RustyXIII

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Posted 21 October 2019 - 03:26 PM

Nahiya naman ako kay kuya, sa requirements niyang 2 page well-written report (di na nga translation ang kailangan niya, writing assistance talaga) due within 24 hours, gusto niya bayad estudyante.

Daming ganito sa writing. Malaki ang pagkakaiba ng demanding na client sa barat na gustong makaisa.

 

Hang in there. Sa simula lang mahirap.



#497 JohannBeckham

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Posted 21 October 2019 - 04:15 PM

Daming ganito sa writing. Malaki ang pagkakaiba ng demanding na client sa barat na gustong makaisa.
 
Hang in there. Sa simula lang mahirap.


Just politely turn them down. Yung mga ganyang clients usually ang mga problematic client. They're sometimes more trouble than they're worth.

#498 neville

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Posted 21 October 2019 - 04:21 PM

Daming ganito sa writing. Malaki ang pagkakaiba ng demanding na client sa barat na gustong makaisa.

 

Hang in there. Sa simula lang mahirap.

 

Yep.  Iling na lang ako noong sinabi niya parameters niya.

 

One good client should start the ball rolling.

 

 

Just politely turn them down. Yung mga ganyang clients usually ang mga problematic client. They're sometimes more trouble than they're worth.

 

Thankfully, I didn't have to.  He just bolted after telling us that our fee is too high.

 

Plus point uli sa pagtatrabaho ko sa call center.  Nahuli ko kung sino talaga ang kliyenteng may pambayad at kliyenteng feeling may pambayad pero wala.



#499 sexdrive9000

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Posted 22 October 2019 - 08:41 AM

 

 

Plus point uli sa pagtatrabaho ko sa call center.  Nahuli ko kung sino talaga ang kliyenteng may pambayad at kliyenteng feeling may pambayad pero wala.

 

Share naman ng tips diyan kung pano mo na differentiate. I work in sales too so it could save me some time :) 



#500 neville

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Posted 22 October 2019 - 10:15 AM

 

Share naman ng tips diyan kung pano mo na differentiate. I work in sales too so it could save me some time :)

 

 

Isa lang naman ang napansin ko: kung sino ang maraming reklamo at maraming arte sa pakikipag-usap, sila yung walang pambayad.  Champagne taste on a beer budget mentality.






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