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Showing posts with label bonus. Show all posts
Showing posts with label bonus. Show all posts

Monday, December 05, 2022

10 Smart Tips sa Pag-Gastos ng Inyong 13th Month Pay




DUMATING na nga ang pinaka-masayang buwan ng taon at ito ang buwan ng Disyembre kung saan pinag-diriwang ang Pasko na susundan naman ng Bagong Taon.

Ito ang buwan na pinakahihintay ng mga empleyado lalo na sa tatanggapin na mga bonus at 13th month pay. Pero napag-isipan mo na ba kung saan mo gagastusin ang 13th month pay mo upang maging makabuluhan ito? Hindi maikakaila na nag-mahal na ang halos lahat na mga gastusin sa ngayon, kaya't kung hindi ka mag-hihinay-hinay sa pag-waldas, mauubos at mawawala na parang bula ang iyong pinaka-hihintay na 13th month pay.

Sa mga tatanggap ng 13th month pay ngayong Disyembre, narito ang 13 bagay na maaari mong pag-laanan ng iyong pera upang maging makabuluhan ito.

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1. Pambayad ng utang!

May kasabihan na "Ang hindi marunong magbayad sa pinagka-utangan, ay hindi na makaka-ulit kaylan man".  Masarap isipin na wala tayong utang. Isa sa pinaka-magandang regalo sa sarili ngayong Pasko ay peace of mind at kawalan ng mga naniningil. 
Alamin kung magkano ang mga utang mo at unang bayaran ang mga may malaking interest rate, upang hindi ka mabaon sa kala-unan.

2. Mag-simulang mag-invest

Kung maliit lamang o walang utang na babayaran, maaaring gamitin ang 13th month pay sa pag-invest. Maaaring mag-invest sa Modified Pag-IBIG 2 o MP2 Savings ng Pag-IBIG Fund o sa SSS Pesos Fun. Mga government-guaranteed savings programs ito na ideal investment para sa mga naghahanap ng mura at low-risk investment.

Halimbawa na lamang sa Pag-IBIG MP2, maaari kang mag-simula sa pag-invest ng P500 kada buwan.

Maliban dito, maaari mo ring pag-isipan ang real-estate investment o pagbili ng lupa o house and lot. Hindi man kaya ng 13th month pay mo na bayarang buo ang isang properties, pero, kaya naman siguro nitong bayaran ang downpayment.

Ang nasabing mga properties ay maaari mong paupahan sa mga tenats o negosyante at kumita mula sa bayad sa renta.

3. Magsimula ng maliit na negosyo o palakihin ito!

Kung mahilig ka sa sideline, bakit hindi mo gamitin ang 13th month pay mo bilang capital sa pagsisimula ng maliit na negosyo.

Ayon sa sikat na financial consultant na si Chinkee Tan, "Don't be afraid to take risk, mas kabahan ka kung wala kang ginawa sa buhay mo."

Maaaring may ideya ka na noon sa gusto mong negosyo ngunit hindi mo ito nasimulan dahil sa kawalan ng capital. Ngayong may 13th month pay kang tatanggapin, baka ito na ang tamang panahon. Maraming mga maliliit na business ideas na maaari mong simulan na may mababang kapital. 

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4. Kumuha ng Insurance

Isa sa pinaka-importanteng investment sa buhay ang pagkuha ng insurance. Madalas, binabalewala lamang ito ng mga Pilipino dahil hindi naman ito kailangan agad. Ngunit hindi natin alam kung ano ang mangyayari bukas, dahilan kung bakit importante na handa tayo sakaling may dumating na hindi inaasahang pangyayari o trahedya. 

Sa pamamagitan ng 13th month pay mo, maaari mong simulan ang pagkuha ng life insurance, car insurance, home insurance o health insurance.

5. Gamitin bilang Emergency Fund!

Kung ayaw mong gastusin ang iyong 13th month pay, maaari mo itong idadag o gamitin bilang emergency fund. Sa panahon ngayon, importante ang pagkakaroon ng emergency fund na hindi bababa sa anim na buwan ng iyong living expenses.

6. Ilaan sa Retirement Fund!

Maaaring napaka-aga pa para paghandaan ang iyong retirement, ngunit hindi ibig sabihin na babalewalain mo na lamang ito sa ngayon. Kung walang ibang paglala-anan ng 13th month pay, maaari mo itong i-impok sa bangko bilang retirement fund.

7. Gamitin sa Bakasyon

Maaari mo ring gamitin ang iyong 13th month pay sa pagbakasyon sa ibang lugar. Hindi maikakaila na halos tatlong taon din na walang bakasyon ang karamihan dahil sa Covid-19 pandemic. Wala mang financial return ang pagbakasyon sa ibang lugar, nakakabuti naman ito sa physical at mental well-being ng isang tao.

8. Gamiting pampa-ayos ng bahay

Magandang ideya din na gamitin ang 13th month pay sa pagpapa-ayos ng bahay. Maaaring gamitin ang pera sa pagpapa-pintura, pagpapalit ng mga tumutulong bubong at iba pang maka-buluhang repair upang masiguro ang comfort at kaligtasan ng mga naka-tira.

9. Gamitin para sa pamilya

Pamilya ang dahilan kung bakit tayo nagta-trabaho, kaya bakit hindi mo gamitin ang 13th month pay mo sa kanila sa pamamagitan ng pagbili ng mga bagay na kailangan nila. Mag-isip ng mga makabuluhang bahay na kailangan ng mga magulang, kapatid, asawa o mga anak at bilhin ito bilang regalo. Hindi lang ito makakatulong sa kanilang pamumuhay, magiging masaya din sila ngayong Pasko.

10. I-share ang iyong mga blessings!

Season of giving ang Pasko at isa sa pinaka-magandang paraan sa pag-selebrate nito ay ang pag-bahagi ng iyong mga blessings sa iba kahit sa simple o maliit na paraan.

©2020 THOUGHTSKOTO
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Saturday, August 11, 2018

Household Worker Became a Millionaire After She Started Investing P2,000 in the Stock Market 7 Years Ago

Who would have thought that a simple household worker who earns a small salary of P8,000 a month would become a millionaire within 7 years? But that is the stock market success story of one house helper by the name of Gina Macahilos. She invested her Christmas bonus in the stock market 7 years ago, and with care and dedication, her investment portfolio in the Philippine Stock Exchange grew into more than a million! Read along to know how she did it.
Who would have thought that a simple household worker who earns a small salary of P8,000 a month would become a millionaire within 7 years? But that is the stock market success story of one house helper by the name of Gina Macahilos. She invested her Christmas bonus in the stock market 7 years ago, and with care and dedication, her investment portfolio in the Philippine Stock Exchange grew into more than a million! Read along to know how she did it. Gina started as a maid when she was just around 18 years old and a high school graduate from Dumaguete. She enrolled in a correspondence school with the help of her employer so that she could work as his maid and study at the same time. It was this time that she started investing on stocks at Php 2,000 a month. After she graduated four years later, she was promoted by his employer to become his Bookkeeper. She now started to receive a higher salary and with that, she started investing more. At first, it was just around P2,000 pesos. Then she increased it to P4,000, then P5,000 pesos, and now, she's already capable of investing P7,000 pesos a month. Every time she receives her mid-year and Christmas bonuses, she invests it all. For her, any additional income means more investment opportunities. If you do not want to spend your whole life working or keep getting stressed managing businesses, then like Gina, you should think widely on where to put your money. If you have a job now, you can keep it, but look for ways to earn passive income, then use that income to invest in stocks. Like Gina, you do not need to be a genius to invest in stocks. You only need the proper guidance and advice. Keep your regular salary for paying the bills and other basic needs, and use your extra income to invest. The sooner you invest more, the faster you'll retire financially free. Next time you receive your overtime pay, annual bonus or if you get a salary increase, think of Gina and what she accomplished. Listen to one famous Financial Adviser below. Have you been inspired by Gina's success? In that case, you should start learning how to invest in the Stock Market. There are many ways to do so and we present the following guides below. This post is filed under: stock market, how to, become a millionaire, success story, bonus, invest, investment portfolio, Philippine Stock Exchange
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 Gina started as a maid when she was just around 18 years old and a high school graduate from Dumaguete. She enrolled in a correspondence school with the help of her employer so that she could work as his maid and study at the same time. It was this time that she started investing on stocks at Php 2,000 a month.

How To Invest In Stock Market In The Philippines?


After she graduated four years later, she was promoted by his employer to become his Bookkeeper. She now started to receive a higher salary and with that, she started investing more.

At first, it was just around P2,000 pesos. Then she increased it to P4,000, then P5,000 pesos, and now, she's already capable of investing P7,000 pesos a month. Every time she receives her mid-year and Christmas bonuses, she invests it all. For her, any additional income means more investment opportunities.

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If you do not want to spend your whole life working or keep getting stressed managing businesses, then like Gina, you should think widely on where to put your money. If you have a job now, you can keep it, but look for ways to earn passive income, then use that income to invest in stocks. Like Gina, you do not need to be a genius to invest in stocks. You only need the proper guidance and advice. Keep your regular salary for paying the bills and other basic needs, and use your extra income to invest. The sooner you invest more, the faster you'll retire financially free.

 Next time you receive your overtime pay, annual bonus or if you get a salary increase, think of Gina and what she accomplished. Listen to one famous Financial Adviser below.

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Have you been inspired by Gina's success? In that case, you should start learning how to invest in the Stock Market. There are many ways to do so and we present the following guides below.

 This post is filed under: stock market, how to, become a millionaire, success story, bonus, invest, investment portfolio, investment opportunities, Philippine Stock Exchange

 Source: InvEng

How To Invest In Stock Market In The Philippines?

article is filed under the category of investment, OFW, stock trading, overseas jobs, remittance, business, online investment, passive income Overseas Filipino workers (OFWs) send home about $32 billion in remittance annually. However, it usually goes to basic needs like food, education, and other daily expenditures. If you are an OFW who already spent many years working abroad without any savings, you may consider to invest in the stock market in the Philippines and have passive income while you are away working abroad. Investing in stocks is like having your own business but you can do it without having to stay and manage it hands-on. As you work abroad, you can invest now through a broker, or even through the internet. The good news is that, it is extremely easy to do. Advertisement Sponsored Links There are many ways to start stocks market investment in the Philippines. Financial institution and banks are offering assistance to their clients who are interested in investing in stocks market. In this article, you will be informed of where to start and give you some pieces of advice regarding stocks investment. How To Open For BDO NOMURA Account? If you have a Banco de Oro Unibank (BDO) account, you can start stocks investment through the BDO NOMURA Account.It is is a joint venture between BDO Unibank, Inc. and Nomura Holdings of Japan with the purpose of providing online trading services to BDO's significant client base and branch network. In order to open BDO trading account, it is important to register for online banking. It is easier to fund your trading account and withdraw money from it this way. Enter the One-Time Password (OTP) received via SMS. Tick the “I Agree” box in the Letter of Instruction and Consent Select from the drop-down list to nominate a Beneficiary Account (for withdrawal process) then click NEXT. Click on “I Agree” in the Terms and Conditions. Fill out the Investor Profile, then click NEXT. Fill out the Suitability Form, then click NEXT. Re-type the CAPTCHA code, then click Submit. REVIEW the details of your Investor Profile and Suitability Form shown in the summary screen. You can also follow these steps: After review, click Confirm to submit your application. A “Thank You” notification will appear to confirm a successful application. The cut-off for processing of New Applications is 3:00PM. Online Application submitted beyond cut off shall be processed on the next banking day. Once approved, please expect to receive an Approval email indicating your Customer Code. Once approval email was received, you may already fund your account through the Bills Payment Facility (over-the-counter, online banking, mobile banking, ATM) indicating the following required details: Company Name: BDO Nomura Securities, Inc. Institution Code: 0491 Subscriber's Account No.: Customer Code Subscriber's Account Name: Client NameYou may fund your account on or before 10:00 P.M. to be included for the next trading day's buying power. Another email will be sent to you for the trading access instructions. You will need to nominate a Trading PIN using the provided Control Code to activate your account. (You may now access your BDO Online Trading Account by clicking Online Trading Login at the upper right corner of your screen to nominate your new Trading PIN.) To open an Online Trading Account today, click the yellow Enroll Now button. Once your application is approved, you will receive an email confirmation indicating your trading PIN. An initial deposit is to be made to BDO Nomura Securities, Inc. (Formerly: PCIB Securities, Inc.) As long as you are able to meet the cut-off time for deposit which is 11:00 P.M., your account will be funded the following day and you may start trading. BDO Nomura charges For BUY transactions: a. Securities Clearing Corporation of the Philippines (SCCP) fee – 0.010% of the gross amount b. Broker's commission - 0.25% of the gross amount c. Value Added Tax (VAT) – 12% of the broker's commission For SELL transactions: a. Securities Clearing Corporation of the Philippines (SCCP) fee – 0.010% of the gross amount b. Broker's commission - 0.25% of the gross amount c. Value Added Tax (VAT) – 12% of the broker's commission d. Sales transaction tax/ Final withholding tax - 0.50% of the gross selling amount *Please note that we have a minimum charge of P20.00/transaction for the commission fee. Another way to start stocks trading investment is through COL Financial. In as little as P5,000 you can open a stock trading account in Col Financial and start receiving dividends. Here are the steps to open an account with Col Financial: 1. Choose what account type would apply best for you depending on the amount of investment. a. Col Starter- P5,000 b. Col Plus- P25,000 c. Col Premium- P1 Million 2. Download and fill up the application forms here. You will need TIN or Tax Identification Number. 3. Submit the filled up form with the following documents: Photocopy of one (1) valid government issued ID Photo and signature must be clear FOR ITF (In-Trust-For) Account - or account for a minor child. Photocopy of one (1) valid government issued ID of the parent, Photo and signature must be clear Birth Certificate of the minor applicant 4. After submitting the application and requirements, a sales officer will review your application and contact you to inform you of the status of your application or any other requirements that may be needed. Another way of stocks investing is through BPI Trade You can visit their website to know about the complete details on how to start investing. Important pointers on stocks investment: Make your own research about the trade. Many people think or convince themselves that understanding the stock market is a complicated business. Not entirely true. It only takes some common sense to try to understand how it works. There are a number of resources available online for you to bone up on the subject. You may also refer to online articles, YouTube videos, even blogs to get ahead and boost your knowledge from Grade 1 to masters. Educating yourself is the biggest investment you can make. Start saving, follow the 70-20-10 rule This simply means that if your salary is 100, you live only off the 70, save the 20 and give the 10 to those in need. Deal only with a licensed broker Unlike making bank deposits, which you can do directly by going to the bank, you cannot deposit your money with the Philippine Stock Exchange. Go only through a licensed stockbroker. Pick only big companies They are so-called “blue-chip” stocks. These are financially-sound companies in the country that include Ayala Corporation, SM Prime, PLDT, Meralco, San Miguel, Aboitiz Ventures, Jollibee and the like. Start now! In stocks investing, time is the key and not the timing. The sooner you start, the bigger the profit. This article is filed under the category of investment, OFW, stock trading, overseas jobs, remittance, business, online investment, passive income Read More: Questions And Answers About UAE Amnesty 2018 What is OWWA’s Tulong Puso Program and How OFWs or Organizations Can Avail? Do You Know That You Can Rate Your Recruitment Agency? Find Out Which Country Has The Fastest Internet Speed Using This Interactive Map



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