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Financial Planning

neville

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neville Explorer

neville

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May family ka naman na kasi pakonswelo pag bachelor sana tuparin ni Neville yung isang target ko for 2020 ✌️

 

 

True medyo magastos din pag may family na. Especially sa amin ni misis kasi mag pu Fulltime sya sa work, plus MBA studies and CPA exams, kya we have to send our kid to a childcare. And that would add an extra Php 80k a month in childcare cost.

 

 

Neville, nagpaparinig si PapaPips, what say you?

 

 

 

OY OY OY!!!!!! Nanahimik itong sako ng patatas dito sa Mindanao (bakasyong may baong trabaho). Bakit ako nadamay sa usapan?

 

Malabo ako sa magagatasan mo, Papa Pipoy. Baka mas mayaman ka pa sa akin. :D 40% nga lang ang combined savings/investment rate ko ngayon. Tataas lang iyan kapag solidified na ang client base namin. hehehehe

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JohannBeckham
JohannBeckham

Just buy the damn pillow. You sleep a third of a time so splurge if you must.

MRROUGHSEX
MRROUGHSEX

With a 97% average mark in the past 6 grading periods and a perfect 600 out of 600 score in the State-wide exam, my kid got offered to enroll into the 2nd best and most prestigious High School in Tenn

JohannBeckham
JohannBeckham

I sort of understand what you mean about SG kasi tumira rin kme at nagwork sa SG ng almost 5 years dyan before kme mag migrate dito sa Australia. Ang hirap lang maging PR dyan sa SG kya we decided na

JohannBeckham Newbie

JohannBeckham

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Posted

 

 

 

 

 

OY OY OY!!!!!! Nanahimik itong sako ng patatas dito sa Mindanao (bakasyong may baong trabaho). Bakit ako nadamay sa usapan?

 

Malabo ako sa magagatasan mo, Papa Pipoy. Baka mas mayaman ka pa sa akin. :D 40% nga lang ang combined savings/investment rate ko ngayon. Tataas lang iyan kapag solidified na ang client base namin. hehehehe

Pwede na magtayo ng dating services group "Financial Savvy Dating Services". Ang requirement lng ay dapat mataas ang savings rate and or mataas ang Networth. Pasok na kyong dalawa ni Papa P. Neville.

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Papa Popoy Enthusiast

Papa Popoy

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OY OY OY!!!!!! Nanahimik itong sako ng patatas dito sa Mindanao (bakasyong may baong trabaho). Bakit ako nadamay sa usapan?

 

Malabo ako sa magagatasan mo, Papa Pipoy. Baka mas mayaman ka pa sa akin. :D 40% nga lang ang combined savings/investment rate ko ngayon. Tataas lang iyan kapag solidified na ang client base namin. hehehehe

Pwede na magtayo ng dating services group "Financial Savvy Dating Services". Ang requirement lng ay dapat mataas ang savings rate and or mataas ang Networth. Pasok na kyong dalawa ni Papa P. Neville.

Hindi po ako mayaman... mayabang lang po ako 😂😂😂

Baka maging client ako ni neville jan sa financial savvy dating services na yan. Wahahahahaha

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MRROUGHSEX Apprentice

MRROUGHSEX

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When is the best time to invest?

Sabi nila when price is below 50 Day Moving Average, yung iba 100 Day, yung iba 200 Day.

 

If you are starting from paycheck, just do it any time. Then regularly add. It's called cost averaging.

 

Pero if you have something saved and it is big to you, then spread it around by dividing it over a period you are comfortable with. If it were me, I would spread it over 6 months, meaning, I invest some now, then another next month until the 6 months are up and all were invested.

 

Ako rin puro beach. Ayaw maupload ang photo.

Try mo imgur.com sir PP.

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MRROUGHSEX Apprentice

MRROUGHSEX

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20191204 Updates:



Property


* Reduce total debt to $58K by year-end (currently at $57.0K) - MET


* Expect condo value to appreciate to $50K by year-end (currently at $50.0K) - MET


* Anticipate house value to appreciate to $280K by year- end (currently at $275.0K) - NOT MET



Savings for Current Use


* Increase college savings of children to $20K by year-end (currently at $20.2K) - MET


* Buttress business fund to $65K by-year end (currently at $82K) (Note: Conservative case at 92% of actual) - MET


* Save up for parents' emergency bills to $3.2K (currently at $3.2K) - MET



Savings for Retirement/Future Use


* Grow retirement savings to $170K by year-end (currently at $174K) (Note: Conservative case at 92% of actual) - MET


* Drum up social security savings to $170K by year-end (currently at $177K) (Note: PV at $360K for age 62) - MET

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  • 3 weeks later...
MRROUGHSEX Apprentice

MRROUGHSEX

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Posted

Guys, let us set our financial goals for 2020 :)

 

2020 Financial Goals

Property

* Reduce total debt to $42K by year-end (currently at $57K)

* Expect condo value to appreciate to $52K by year-end (currently at $50K)

* Anticipate house value to appreciate to $290K by year- end (currently at $275K)

Savings for Current Use

* Increase college savings of children to $27K by year-end (currently at $20K)

* Buttress business fund to $100K by-year end (currently at $82K) (Note: Conservative case at 92% of actual)

* Save up for parents' emergency bills to $8K (currently at $3K)

Savings for Retirement/Future Use

* Grow retirement savings to $210K by year-end (currently at $174K) (Note: Conservative case at 92% of actual)

* Drum up social security savings to $192K by year-end (currently at $177K) (Note: PV at $360K for age 62)

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  • 2 weeks later...
neville Explorer

neville

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Aayusin ko pa po portfolio ko. Trabaho kasi sa field hanggang end of the year, meron uli bukas. Sloth mode na naman ako. hahaha

 

UUmpisahan ko na mamaya, ibibigay ko pa siya sa Financial Adviser ko para ma-analyze na rin niya. Tanong ko na rin kung paano i-track ang expense comparison base sa credit card.

 

Registration season na naman sa peyups next week. Yeba.

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JohannBeckham Newbie

JohannBeckham

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Aayusin ko pa po portfolio ko. Trabaho kasi sa field hanggang end of the year, meron uli bukas. Sloth mode na naman ako. hahaha

 

UUmpisahan ko na mamaya, ibibigay ko pa siya sa Financial Adviser ko para ma-analyze na rin niya. Tanong ko na rin kung paano i-track ang expense comparison base sa credit card.

 

Registration season na naman sa peyups next week. Yeba.

@Neville kung maalam ka sa excel, you can track your expense dun. You can also create your own budget. I personally dont get the value of financial adviser, maybe because my finances is too simple to manage. I even file my own taxes, no worries.

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neville Explorer

neville

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@Neville kung maalam ka sa excel, you can track your expense dun. You can also create your own budget. I personally dont get the value of financial adviser, maybe because my finances is too simple to manage. I even file my own taxes, no worries.

May monthly set budget ako kaya Alam ko kahit papaano (?!) Kung saan nagpupunta pera ko.

 

Tinitingnan ng Financial Advisor ko Ang status NG pera ko nang malaman ko Ang overall net value ko NG year to year basis.

 

Siyempre on paper pa Rin Ang yaman ko. Di ko naramdaman pa kasi Wala pa akong 1M na emergency fund sa bangko. Hehe

 

 

Yung Financial Advisor ko ay insurance agent ko. Free service Yung ginagawa niya. Ex-deal namin. Extra service Niya Ang financial planning sa mga clients Niya. Libre ako in exchange for being her poster girl aka mowdel sa page ng team niya 😁

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