neville Posted October 3, 2019 Author Share Posted October 3, 2019 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. Quote Link to comment
JohannBeckham Posted October 4, 2019 Share Posted October 4, 2019 (edited) 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 October 4, 2019 by JohannBeckham Quote Link to comment
neville Posted October 4, 2019 Author Share Posted October 4, 2019 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. 1 Quote Link to comment
MRROUGHSEX Posted October 9, 2019 Share Posted October 9, 2019 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. Tama na sa akin yan then enjoy life na! Quote Link to comment
JohannBeckham Posted October 12, 2019 Share Posted October 12, 2019 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. 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. 2 Quote Link to comment
MRROUGHSEX Posted October 12, 2019 Share Posted October 12, 2019 (edited) 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 October 12, 2019 by MRROUGHSEX Quote Link to comment
JohannBeckham Posted October 14, 2019 Share Posted October 14, 2019 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 Quote Link to comment
neville Posted October 17, 2019 Author Share Posted October 17, 2019 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!" Quote Link to comment
neville Posted October 17, 2019 Author Share Posted October 17, 2019 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 Sana dalawa man lang sila by January 2020. 1 Quote Link to comment
MRROUGHSEX Posted October 17, 2019 Share Posted October 17, 2019 Kaya yan neville! Go lang ng go! 1 Quote Link to comment
neville Posted October 18, 2019 Author Share Posted October 18, 2019 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. Quote Link to comment
Papa Popoy Posted October 18, 2019 Share Posted October 18, 2019 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 Sana dalawa man lang sila by January 2020. Sorry na po mam..pasensya na kung hampaslupa na walang pambayad 😂✌️ Quote Link to comment
neville Posted October 18, 2019 Author Share Posted October 18, 2019 Sorry na po mam..pasensya na kung hampaslupa na walang pambayad ✌️ Hahahahahahahahaha!!!!!!!!!! Quote Link to comment
RustyXIII Posted October 21, 2019 Share Posted October 21, 2019 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. Quote Link to comment
JohannBeckham Posted October 21, 2019 Share Posted October 21, 2019 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. Quote Link to comment
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