iggy112

Bisitahin ko GF ko later.. she's been sick for a week na.

Miss ko na sya. I'll bring her fruits and a gift later

If you're single and working or you're married (no kids yet) and both working...

...the question is who stays in the house while you're away at work?

For me, i would love having a house of my own, pero for security purposes... condo na lang muna ako.

I'm seriously considering investing in Sun Life Financial's Balance Fund. My understanding is that this is a mutual fund packaged with free term insurance. I plan to start with P100K, just to test the waters. Being a novice, I'd appreciate any inputs, caveats, etc.

Good choice yan... I presume you understand that balanced fund means some amount is on equities (Stocks) and some are on bonds. This is a generally easy, simple investment choice with manageable risks. Their portfolio is relatively risk averse (blue chip stocks... highly rated bonds)

However, you should know that Sunlife, unlike Philam life and a few other balanced funds have the flexibility to shift between bond and equity anytime they want. Their policy limit (i think) is 80%, meaning at most 80% of their total fund can be placed in either bonds or equity. This shifting of money is totally up to them.

Sunlife's balanced fund is mostly on equity right now (at the limit). Which is good since bonds are down and equities are up.

However, the false sense of security here is that people think they can suddenly shift from one type to another everytime the stockmarket dips. They won't do that. They have too much money to easily shift (meaning are their enough bonds in the market to buy? or TBills?), plus they don't just shift based on short term fluctuations...

So, you still get quite a bit of ups and downs on the fund value... but again at the end of the day, given the competency of their fund managers, and their low risk portfolio... this is still a nice little investment choice for anyone who wants to start in mutual funds.

my two cents here. :thumbsupsmiley:

You might be interested in this... there's a website that has an assessment of the calories per meal

www.thecaloriecounter.com

just remember a person's average consumption is between 1500-2000 cal/day