neville

SKL 

mahirap pala talagang maglaba.

PCSO Main Office to collect that lotto jackpot

On 5/11/2023 at 9:49 PM, Ayat04 said:

Kabigting halohalo is the best

Sakto nakita kong may branch sa Robinsons Angeles. Salamat sa recommendation, sir

Marshall. Four years of good sound and counting.

Career. May sense of fulfillment at achievement, lalo na kaoag natapos mo ang isang mahirap na trabaho tapos ang ganda ng rewards.

Kaya kang buhayin ng career, ang love, aawitan ka lang.

On 5/31/2023 at 6:00 AM, Boooya said:

Aaah, okay2x. But in terms of growth?

Insurance ang VUL. Insurance na nilagyan ng mutual fund para lang mas lumaki ang value. Don't think of it as an investment. Instead, look at it as future protection for your family should you bite the dust earlier than expected.

MP2 naman, stuck for five years. May listahan ang PAG-IBIG ng mga dahilan para tanggapin ang early withdrawal ng MP2 mo. 

Kung kailangan mo ng liquid na investments na walang masyadong losses, go for bank savings or money market funds.

On 6/9/2022 at 6:39 AM, Blue Boy said:

Yeah, di na ako sumubok sa iba kasi mare-reject din naman ako.

So anong option nating mga may pre-existing condition na hindi ma-approve for life insurance?

 

Savings ang una kong naiisip. Kasi kailangan ay liquid cash para sa panahong may sakit ka and all.

Kung target talaga ay insurance na walang check-up? SPVUL ang naiisip ko. SPVUL is Single-Pay VUL. Pero dapat may pera kayo kasi 500k-1M ang minimum one-time payment requirement nito. Puwede raw itong magamit sa estate matters or estate tax kapag namatay na ang policy holder. At confirmed ng Insurance agent ko sa Sun Life na walang check up ang SPVUL. Cough up the money nga lang. 

On 3/31/2023 at 2:42 AM, Boooya said:

Anong insurance company ang maganda pagkukuha ng VUL?

Kung financial protection ng pamilya mo ang habol mo, bata ka pa (20s to early 30s), at may extra kang pambayad ng insurance, go for Sun Life. AIA okay din naman. 

Pero kung investment habol mo, isa sa safest investment platforms ay PAG-IBIG MP2. Okay din ang Retail Treasury Bonds pero may tax, unlike MP2 na tax-free. Pero may 5 year lock in period sila kaya di ka dapat basta maglagay sa kanila kung hindi ayos ang safety net mo aka savings.

Kung cash flow investments ang gusto mo, pag-aralan mo ang dividend investing. Pero ihanda mo bulsa mo para dito kasi malaki ang puhunan sa stock market na gagamitin para malaki rin ang dividend payout mo.

I\m sorry, lalaking nagsasabing jowa ko.  Dahil nakakadismaya ka, dito ko sa MTC ibinubuntong ang inis ko sa buhay.

Maraming tao ang 'di maintindihan na kaya ka hyper-independent ay dahil wala kang kilalang tao (kamag-anak man o hindi) na alam mong kahit ano mangyari ay talagang masasandigan mo kapag ikaw ang naging mahina o kailangang magpahinga.

Karton na lalagyan ng pagkain (Cardboard food box)

Wala palang ambag sa buhay mo yung nagsabing gusto niyang makasama ka niya habambuhay. 😒

1 hour ago, HandroidDev said:

Curious lang din ako sa theme ni Marcos. Sinasabi nya na UNITY ung gusto nya mangyari but as far as I know maraming galit sa Marcos. How can he convince na isantabi ung galit? Madalas pa mga professionals in their field ung galit sa Marcos.

 

Ang tanong ko, sino iboboto ng mga ayaw kay BBM?  Kasi sa mga napapansin kong galit o nandidiri sa UNITEAM ay mga Kakampink.  

DQ cases dismissed by the COMELEC First Division. 

It's only my sixth day with this new client and I'm already bored as hell.  Plus the pay isn't much...but hey, steady income.

Still bored as hell, though.

On 9/21/2021 at 10:53 AM, MRROUGHSEX said:

Tagal din nawala nito.

 

I didn't think it will resurface but good thing it did.  

 

Today SPY down 1.7%.  Bought some SPY to take advantage of the much needed cooling of this hot market.  

Sir, namimimiss na kitang kausap

Tagal ko ring nawala dito dahil naguluhan na ako sa mga pagbabago sa forum...at may bantay na kasi ako hahahaha

Anyway, I still continue with my personal finance planning. Nakailang template na ako kakahanap ng tamang timpla sa mga needs at requirements ko para mas maintindihan ko ang pera ko.

So far, SALN-wise, nagulat ako kasi roughly 3.5M na pala net value ko as of Jan. 2, 2022. Far cry from my value ten years ago noong isang kahig, isang tuka lang ako.  Far cry from the day I opened this very thread.  

Hindi ko na problema ang credit card spending. Problema ko ngayon ang masigurong abot ko ang 50 million peso net worth (in today's value) retirement goal. 

Investing-wise, from the dismal dip in the stock market last 2020, umangat na by 200K ang portfolio value ko. Laking pasasalamat ko na nagkaroon ng REITs dito sa Pilipinas. May real estate income na ako kahit wala akong actual real estate. May stocks in the red pa rin ako (SSI, EEI, COSCO, MPI, MEG) pero didispatsahin ko rin sila kapag green na sila para dagdag pambili sa mga ipapalit kong dividend stocks. I'm going for dividend investing para may passive income ako. Add the dividends from REITs, yey!

Maliit pa ang nakukuha ko sa dividends (ni hindi pa kayang tustusan ang one month expenses ko), pero nakahanap na ako ng strategy para palakihin ang volume nila kahit limited ang lagay ko ng funds sa stocks at mutual funds ko. May mga paggamitan na rin lahat ng investments na pinasok ko kaya mas malinaw na ang financial direction ko.

And, thanks to the pandemic at pressure mula sa Ate at pinsan ko, pag-iipunan ko na rin ang pambilli ng bahay. Projection is 5 years. Nag-compute na rin ako kung magkano kailangang itabi para mabilis na makaipon ng at least 500K na down payment.

Inaayos ko na rin ang mga taxes, SSS, PAG-IBIG, at PHILHEALTH ko para legit tax payer na uli ako. Adulting sucks, but there is a sense of satisfaction knowing I'm being responsible.

Ayun, kayod marino pa rin para hindi magkulang ang budget. Crossing my fingers for a prosperous 2022 and beyond.

Cheers!!!!!!!!!! 

Thanks Neville

 

I have a separate fund of 50k for emergency use.

 

Is it too risky to put all of my 100k to the stock market? I haven't tried it yet but I was encouraged due to the high returns showed to me by my colleagues.

 

 

I still haven't listed my short, medium, & long term goals. I wanted to learn & act the way how Warren Buffet do his things, the way he is successful with his investments.

 

 

If you lose your job or any income source, can you survive on 50k for three months or more? Do you have a monthly budget?

Study the different investment instruments before you dip your fingers in them. Losses are bigger if you engage in the stock market or cryptocurrency market if you don't understand how they work. Don't plunk your money in them just because your friend earned a lot. What he or she may not have told you is the amount of paper losses he/she acquired due to bad decisions when investing or trading.

Determine your financial situation first. If you have debts, you need to pay them. Then determine your financial goals. The timeline will tell you what investment best fits your goal.

Don't. Just don't put your money in an investment just because somebody said he earned a lot.

What is good for Juan may not be good for Pedro.

Hello guys,

 

Can I ask where are you most likely to put up your 100k savings?

 

Am already near my 30s and haven't started building my passive income yet. Reality slapped me last year when I had COVID and didn't have enough savings to cover medication if situation got worse but good thing I was able to recover after a month.

 

Any suggestions would greatly help.

 

Notes: I was able to reduce my expenses for about 30% last Q4. And already learning about stock market but haven't invested yet.

If the 100K is strictly your emergency funds, compute for three months' worth first. The remaining amount, you can place in a high yield savings account or time deposit. It should be liquid at all times.

Rework your budget so that you can allot a specific amount for investing. Never make your emergency funds as your investment seed money.

Start off with looking at your financial status. Then, list down your financial goals, and based on your current income, calculate your retirement fund. Then you can adjust your budget to accommodate your savings stash and investment allotment. Match the investment instrument with the financial goal you listed. These instruments should be able to meet your short, medium, and long-term goals.

Good job on collating spreadsheet and getting a better view of your financial position.

I do this as well as i set it up via googlesheets so i can get daily report of my networth (atleast on my ETF position). Our only debt is my wife's student loan which is not huge.

Nice one! Halos wala na kayong utang

Bukod sa added income, other investments din ang tinitingnan ko. Nagbukas na ako ng etoro account, budgeting at investment strategy na lang ang inaaral ko. Plano kong subukan ang ETFs kasi medyo bobo pa ako sa foreign markets.

May crowdfunding investments na rin ako. So far so good. Tuwa ko pag 5 digits na nalalaro ko sa kanila. Yung coop na lang ang di ko pa naasikaso.

Income pa po, universe!!❤️❤️❤️❤️

my friend is begging me to study cryptocurrency investing/trading.

Any suggestion for clueless folks like me to use as a jumpstart reviewer? I'm inclined to use PDAX and etoro.

Thanks in advance.

Finally. I managed to make my own personal statement of assets and liabilities. I'm 95% complete. I have yet to figure out how to compute the growth and decline of all my investments, as well as create a graph showing a 10 year projection starting from 2020.

I'm ready to show my thick excel file to the registered financial planners I will get in touch with. That and the questions I have in my head.

Thanks to the pandemic, I am finally solidifying setting aside and investing the money I allocate for buying my own house. The room I live in is beginning to give me cabin fever. I need some breathing room. Most importantly, I realized how hard it is to live away from my sister and her kids.

So far, I am in the positive. Adding up all the values of my portfolios against my payables and card debts, I remain a millionaire. On paper.

If everything goes right with my cash flow, I will be a cold cash millionaire in 2028. How to make it faster is the question I will pose to the RFP.

Maligayang Pasko, boys.

That's the way Donya N! Compromise. Something that works for between your needs and wants. Post ka po pic ng nabili mo ha..

Will do. I bought a body pillow and a regular pillow from Dakki via Shopee. I'm waiting for the shipment.

In other news, I bought PhP 5,000 worth of Premyo Bonds. The said bonds are only at 1.00% net and is good for 1 year. Minimum investment is PhP 500.00

These bonds do not meet my financial goals at all. But they do let me help the government in funding its projects. And hey, I'd be happy when I do get to win even the PhP50,000.00 quarterly raffle prize. Winning the bigger prizes are of course, a big bonus.

There is a car as part of the jackpot, but honestly, I'm happy with the PhP1M major prize

Ito gamit ko, a bit lower priced than tempurpedic. It's Sealy Posturepedic.

 

https://www.amazon.com/Sealy-Essentials-Memory-Cluster-Standard/dp/B07X13C9Z4/ref=redir_mobile_desktop?ie=UTF8&aaxitk=YJ1ckT.nDtyRdNTdkw4B3Q&hsa_cr_id=1807220560401&ref_=sbx_be_s_sparkle_mcd_asin_2

Kanina ko lang naisip.

Compromise. Dahil sa ngayon ay walang punda ang body pillow sa Rustan's at may Dakki online store sa Shopee, gagawin kong halo ang bili.

Yung unan sa ulo ay sa Rustan's bibilhin. Saktong may gift certificate ng Rustan's akong makukuha mula sa credit card ko. Kaunting ipon pa ng points at baka umabot ng 5K na gift cert ang mayroon ako. Isang unan din yon

Mix and match the dirt cheap and insanely expensive ones. Prioritize what needs to be expensive and buy what can be bought cheaply.

Okay na yon, ano?

Sobrang mahal. Wala bang in-between. Same quality but half the price?

Pagtingin ko ng Uratex store sa Lazada, napaisip ako na baka parang Dakki rin ang quality. Pareho sila ng price point eh.

Tempur kako. Baka can afford ako.

Putsa, mas mahal pa pala sa Rustan's pillows!

Fishing for your opinions. Humor me, guys.

My pillows and bed linens are due for replacement. My original option is to buy online from Dakki (a local brand known for selling reasonably priced pillows and linens). The quality's okay for its price. Think everyday, hampas lupa pillows....

Then I dropped by Rustan's Department Store this morning. I checked the pillows and linens. The prices were at least four times that of Dakki's. But the sales girl was right: they feel like what you'll find in good three to four star hotels. The linens, especially. I've been to a business hotel in Cebu City and the pillows were to die for. Sarap ng tulog ko.

My pillows now give me stiff neck days when I wake up on the wrong side of my mattress.

Case in point: Dakki's Body Pillow cost 800 pesos. Rustan's will charge me 2800 pesos.

The regular pillows are bigger than the pillows I use now. The firm ones are 5K, I think. The in-between soft and firm is 6K. Dakki's regular-sized pillows, which are a little smaller is around 300 pesos.

But the expensive ones do feel like the pillows in really good hotels.

I can find the budget for these pillows and linens, if I want. For me, it's a question of whether I want to enjoy that unbelievable sleep every night or if i want to prioritize the cost and hate my pillows on some occasions.

If I throw in my sister's argument, I should spend so much when I finally have my own place...And from the rate I'm going, it will be at least 10 years before I can finally afford to buy the place that is really to my liking.

What do you think?