veamucho

Aveo Hatchback

automatic, madaling drive kahit sa traffic magastos lang sa maintenance

in my 20++ years of driving, never used automatic...now, i want to try matic...

question: paano naging magastos sa maintenance ang matic? let's say 10 year old na yung matic pero city driving lang ang gamit?

please elaborate dun sa magastos sa maintenance. thanks po.

MGA TANONG NA PANG-SUBDIVISION ULIT...

 

PARA MAS LALONG MAINTINDIHAN...

 

Q) Sino ang maaaring magtatag ng Homeowners’ Association?

A) Ang maaaring magtatag ng asosasyon ay mga nakatira sa subdivision na wala pang asosasyon at mga taong nais magakaroon ng bahay at lupa sa ilalim ng mga programang pabahay ng pamahalaan.

 

 

KUNG MERON PA KAYONG MGA TANONG..PAKI POSTE NA LAMANG SA PITAK NA ITO :headsetsmiley:

sir, nice posts...

tanong ko lang po kung meron din kayong FAQs tungkol sa mga condos...

thanks...

just read in the papers today. some UIT Funds will now invest in foreign equities. The first that might do this might be ING.

bpi has a global equity fund...uitf. this product is offered at their branches.

Is there any fund in Phils that has investments (portion of portfolio) abroad?

I think it would be good countermeasure to diversify 'outside' ...

Hirap kasi na sunod-sunuran na lng lagi ang PSE sa US market.. (although, lahat naman tinamaan).

When it hits, it sure hit hard... bantay lng talga dapat siguro..

 

Trade safely..

meron sa BPI - yung UITF nila na Global Fund...forgot the complete name ng product...dollars ang investment dito.

Kamusta na pala si Roehl Gomez? Naglaro dati sa Alaska - magaling din sa shooting...kaso sandali rin lang ang playing career. Sobrang dami kasi ng talent - both Fil Ams and locals...

that depends on the source of your income...

 

if you are running a business of your own, then these receipts will come in handy. but of course, these receipts should be related to your business. if you have a sari-sari store, for instance, your receipts for trhe goods sold in your store are definitely necessary to prove your purchases account. your gasoline receipts are also necessary if you want to claim transportation expenses for your goods.

 

but if you are a salaried employee, then those receipts will not do anything to help. your taxes have already been withheld and your tax range depends on whether you're single, head of the family or married.... i also remember something about certain specific expenses being deductible from an individual taxpayer (medical expenses yata) but up to a certain limit only (i think up to P1,200 per year?) so it's not that helpful really.

health insurance premiums...yata yung 1,200.

Are you sure? Because the CIA exams are always scheduled May and November, never in October... are you referring to the CIA Exams or the CFA Exams?

 

AFAIK, two years lang talaga ang allowed to complete the whole CIA exam but it may be good for you to check it out with the local organization here. baka may paraan pa to get around this rule.

 

http://www.iia-p.org/

also, i heard that the exams are gonna be done online starting next year. something to consider also.

november nga siguro.

best to call na lang...thanks...

dude, the nearest exams are on may 16 - 17, might be too late already to register. there's another one on november and you mighht get a better chance of passing if you take the review first. the review classes here in the philippines have always yielded impressive results. :cool:

 

 

best of luck dude!

took and passed level 1 exams back in october 2005...and never took the other exams to date...meron po bang possibility na ma-invalidate yung level 1 exam ko if i don't take the october 2007 exams?

mga kapatid na CPA...

meron ba nakaka alam sa inyo kung kailan ang schedule ng CIA exams at deadline for registration? salamats...

For those in a quandary on what to do with their UITF/Mutual fund placements, here are some things to consider.

 

First, you should be aware that the short-term prognosis for the bond market is still quite negative.  By this I mean that interest rates will probably still go up and that means lower NAVS/NAVPU in the short term.  How much will it go down? No one really knows as it will greatly depend on how much interest rates go up.

 

With that in mind, ask yourself if you can absorb another 5 to 10% loss in your money's value in the next 2 months or so.  If you can't then you should seriously consider exiting now --- especially if the money you placed into the fund was meant for something else (house payments, tuition).  If you can take that loss, then the best action may be to just ride this out and maybe even add to your placement to take advantage of the lower prices.

 

Now, as to when will things turn around, that will depend on two major things -- the skill of the fund manager and the nerves of the investors.  In times like this, a good fund manager can actually make a killing as he can balance his portfolio in such a way that it's returns can be maximized.  However, his ability to do this will be greatly affected by the nerves of his funds investors.  Simply put, any amount that he has to set aside to cover for sudden withdrawals is an amount that he can't use to buy the higher yielding bonds.  In essence, the lesser the amount withdrawn by nervous investors, the better the performance of the fund in the long term.

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if I have excess funds, I will invest more, but gradually...just to lower my average cost. in time or when NAVPU appreciates, those investments during the low months would bear fruit - making my losses smaller and my overall portfolio's return better.

kaso ubos na eh (hehehe...) sarap pa naman pumasok ngayon kasi mababa na prices...

i got this from a mailing list. just to make the discussion more interesting.... 

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it is a common strategy for stock investors to set a loss limit (say eight to ten percent of the buying price)...meaning, if market price drops to a certain amount, the investor sells and waits for a good time to invest again...

as to M2M, it is a conservative approach of valuing our investments and this is the best practice. though, what really is lacking in the Philippines is a Bond Exchange (similar to the PSE)...or am I wrong? in the absence of an exchange, valuation may seem subjective as nobody knows how UITF/Mutual Funds compute for NAVPU/NAVPS...

No sir, that is not true. The NAVPUs are based on the market prices of the securities (usually fixed income GS and corporates) and the recovery of course would depend on how soon will the market price of the assets go up. When will this be? Well certainly not tomorrow nor in a week or two but no one can tell. Two years? Maybe but not probable. Look at it this way. Your UITF assets at this point probably consists of cash (10-20%) and the rest will probably be government securities and a few corporate notes like SM Prime, Ayala Corp/Land etc. Now, think what will happen if you just held on to that until everything matures. You will get your principal plus the income it earned right? What I'm saying is if the assets inside your UITF are solid, why realize your loss now just because market prices are low? Why not just wait till the NAVPU goes back up at least to the NAVPU when you subscribed (and it will eventually) then go out if you have to or just keep it in till you see a better NAVPU?

 

I just wish the person who got you into UITF explained the mark-to-market thing fully with you as well as the concept of the UITF. Of course, you do what you have to do, and if you feel you need to pull out now, that is really your call. I hope this helped.

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if I may add...

selling at this time would benefit the bank since they can purchase your UITF at a low price...eventually, when the NAVPU appreciates - the bank gains by selling the shares at a higher price.

funds invested in UITFs and Mutual Funds should always be excess cash and the outlook should be long term. pahabaan talaga ng pasensya ngayon kasi wala pang signs na pataas na ang NAVPU...

as explained by Dr. Pepper, wait for the bonds to mature and we realize our gains - time is our friend in this kind of investment.

Ei there!

 

I graduated from Letran College BS-Accountacy with honors back in 1995….took and passed the CPA exams that same year.

 

Got my first job with Ayala Corp….but it didn’t work that well so after 5 months…I was hired by an Ayala subsidiary…. and spent a good 6 six years in the accounting department….err if there such a thing as an acctg dept…its just the CFO and me….the title I had was Accounting Assistant but I handled the entire accounting function plus a few systems development here and there….I requested for the title Accounting Supervisor since there used to be one before I came…..but they never granted me that position.  To make matters worse, they never hired me an assistant.

 

I left the company in August 2002….and currently working for a UN organization as an assistant.  The pay is excellent but Im more of an encoder here than a CPA.  If there’s anything in my job that is as close to accounting……Its system troubleshooting and report generation.  Since we don’t account for taxes,  I’m so dumb about taxation anymore, I dunno where to start….I used to be so good in this area.

 

At 31 and with 10 years of experience, I realized I lost a lot of time and wasted talent.  I dunno where I’m going from here.  All my CPA batchmates are either BIR assessors, managers or have moved to another country.  I could have done the same thing years back, but being a breadwinner kinda limits your options don’t they?

 

If given a chance, I would really love to move and permanently reside in another country….perhaps in the US….but they mostly get their resources from Audit firms so that kinda sucks in my case.  I could get an MBA but honestly, I couldn’t afford it.  I guess things would have been different had the positions I worked for wasn’t always “assistant”.

 

I wrote this post in the hopes that someone may enlighten me as to what my options are and where do I start...  I want to move on with my life….maybe staying with my current company just to make ends meet while sidelining on a few accounting projects to keep abreast on developments.

Or…..maybe find work abroad….or just go do business or something…basta ewan.....feeling ko kasi......parang na-rape......for 10 years pagkatapos nun, you still have the same qualifications as when you first started to work.

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try international organizations - unjobs.org - baka maka tsamba ka...

Sige nga... magbigay ka ng instance na kung saan naging credible ang opinion ng isang non-CPA...

 

Meron din tayong Accountancy Law at Code of Ethics na puwede mong basahin bago ka magpost ng ganyan... 

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masyado namang mabagsik ang dating mo...

non cpas can never issue an opinion - malinaw yan...pero walang batas na nagsasabi na pag di ka pumasa sa board exams, di ka puedeng mag practice.

auditing firms even employ lawyers, statisticians, and even programmers and software developers to cover those areas not within our specialization...

Sa isang External Auditor, kulang pa ang pagiging graduate ng Accounting degree, dapat licensed ka.

Bawal ang mag-external audit na walang license, ok?... :grr:

 

Ngayon, meron din tayong mga internal auditors. These people are hired by the company themselves. Preferably, licensed din dapat sila. Pero sakaling hindi afford ng company, the practice is they hire non-CPA's, to the extent that they hire non-accounting majors. :goatee:

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Actually, pwede maging external auditor ang isang non cpa...ang hinde puede ay yung pumirma ng Auditor's Report nang walang license - which you get once you pass the board exams...

Glad to be of help sir. Don't panic, understand that you're in there for the long haul.

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Dr. Pepper...

Very informative indeed :cool: . Keep up the good work. Akala ko sir, dun ka lang sa wholesome topics eh...hehehe.

any feedback sa Nissan GX 1.3 A/T....

thanks for any info.

had taken some fat burners and energy enhancers before...kaso, parang tumaas yung uric acid level ko...and had a gouty arthritis attack...

dahil kaya sa fat burner at energy pills yung pag taas ng uric acid ko?

thanks.

I'm not sure if this is the proper thread for my query, I just need some help here.

 

I want to know how to recover the password in a protected MS Office application (excel, word). Ang alam ko mayruon software na makakapag crack ng password nun, baka naman mayruong magmagandang loob na makapag bigay sa akin ng software. Thanks a lot.

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me too...i need "QuickBooks Key" software...yung pang 2003 - 2005 version. baka naman meron, dyan...thanks.

am still using yung old version that works with QuickBooks 2001 and 2002.