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Showing posts with label stock market. Show all posts
Showing posts with label stock market. Show all posts

Friday, June 04, 2021

4 na bagay kung saan HINDI mo dapat ilagay ang iyong emergency fund



MANILA, Philippines — DAHIL sa pandemya napagtantu ng karamihan na napaka-importante ang pagkakaroon ng emergency fund upang may magamit sa mga hindi inaasahang pangyayari.

Kung may sapat na emergency fund, magkakaroon ka ng peace of mind at malaya ka ring gawin ang mga bagay na gusto mo.

Pero ano nga ba ang emergency fund at bakit importante ito?

Mas magandang nakalagay sa savings account ang emergency fund na maaaring magamit sa mga hindi inaasahang pangyayari. Ang emergency fund ay isang bank accout na may perang nakalaan bilang pambayad sa mga malalaki at hindi inaasahang gastusin gaya ng mga sumusunod:
  • Hindi inaasahang medical expenses
  • Home appliance repair o replacement
  • Pagpapa-ayos ng sasakyan
  • Biglaang pagkawala ng trabaho o unemployment

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Bakit kailangan ng isang tao ang emergency fund?

Napaka-importante ang pagkakaroon ng emergency fund upang may magamit ka sa panahon ng pangangailangan na hindi umaasa sa credit cards, mga loans na may mataas na interes o mangutang sa ibang tao.

Mas lalong mahalaga ang pagkakaroon ng emergency fund kung mayroon kang utang dahil makatutulong ito upang maiwasan mo ang manghiram pa sa iba.

Magkano ba ang dapat i-save bilang emergency fund?

Magsimula sa maliit, subukang magtabi ng kunti muli sa iyong sahod o kinikita buwan-buwan. Kung gumagana ang iyong paraan, palakihin ito hanggang sa kalahating taong na halaga ng iyong mga gastusin.

Ang tamang amount ng emergency fund ay base sa iyong financial circumstances, pero ang "rule of thumb", dapat kaya nitong sagutin ang tatlo hanggang sa apat na buwang living expenses mo.

Mas kailangan mo ng malaki kung ikaw ay isang freelance worker para kung mawalan ka ng trabaho sa mahaba-habang panahon, may pera kang magamit pambili ng mga pangangailangan habang naghahanap ka ng bagong trabaho.

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Saan dapat ilagay ang emergency fund?

Maituturing na easy access ang emergency fund na nasa savings account na may mataas na interest rate. Dahil maaaring mangyari anumang oras ang emergency, importante ang mabilis na access sa iyong emergency fund.

Magandang lugar din para sa iyong emergency fund ang high-yield savings account at mas ligtas ito. Magkakaroon ng interes ang iyong pera at mabilis mo itong makukuha kung kinakailangan sa pamamagitan ng withdrawal o funds transfer.

Ngayong alam mo na ang kahalagahan ng pagkakaroon ng emergency fund, importante din na alam mo kung saan ito hindi dapat ilagay.

Ayon sa MoneyMax, narito ang mga suggestions kung saan hindi mo dapat ilagay ang iyong emergency fund.

1. Sa bahay — Safe ba ang emergency fund sa bahay? Hindi. Makaluma na ang pagtatabi ng pera sa bahay o ang paglalagay nito sa mga alkansiya. Kahit masasabing easy access ang pera mo sa bahay, delikado naman ito dahil maari itong manakaw, ma-misplace, mabasa ng ulan o baha, aksidenteng masunog o kainin ng daga.

2. Stock market — Kahit mataas ang posibilidad na lalaki ang pera mo sa stock market, hindi ito ideal place para palaguin ang emergency fund. Anumang oras maaaring mag-crash ang stock market at posibleng mawala ang pera mo. Kung sarado ang trading wala ka ring access sa pera mo. Hindi madali ang withdrawal dahil may mga stock market na tumatagal ang ng ilang araw bago pumasok sa account mo ang perang winidraw.

3. Life insurance — Importante ang pagkakaroon ng life insurance. Pero hindi advisable na gamitin mo ang emergency fund sa pagkuha ng life insurance. Kahit covered ka ng insurance sakaling ikaw ay magkasakit o maaksidente, hindi lang ito ang mga emergencies na dapat mong paghandaan.

May mga posibilidad na masira ang iyong sasakyan o bagyuhin ang bahay mo na kailangan mong ding ipa-ayos.

4. Paluwagan — Hindi naman masama ang legitimate na paluwagan, pero hindi mo dapat isugal ang emergency fund mo dito. Kahit may tiwala ka sa mga miyembro ng paluwagan, may tsansa pa rin na may mga miyembrong mahihirapan magbayad on time.
Hindi lamang mauuwi sa utang ang emergency fund mo, madadamay pa ang relasyon mo sa iyong mga kaibigan at kamag-anak.

Maliban pa rito, hindi din maganda na ilagay sa mga long-term investment fund ang iyong emergency fund. Dapat nasa isang acount ito na hiwalay sa bank account na madalas mong ginagamit para hindi ka matuksong paki-alaman.

©2020 THOUGHTSKOTO
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Tuesday, March 05, 2019

SEC Warns People On Buying Shares Of "Under Construction" Hospitals

Investments can be the best way to put your money if you want it to grow over time. It may be shares from different companies or stock market, or in real properties like condominium units or real estate.
Investing is good but before  getting into an investment transaction, you need to make sure that you are entering a legitimate deal. Scammers are everywhere and they are only waiting for their willing victims.
Investments can be the best way to put your money if you want it to grow over time. It may be shares from different companies or stock market, or in real properties like condominium units or real estate. Investing is good but before getting into an investment transaction, you need to make sure that you are entering a legitimate deal. Scammers are everywhere and they are only waiting for their willing victims. Ads The Security and Exchange Commission (SEC) warns the public to be cautious in entering deals on buying shares. In an advisory released by SEC, people are warned to be alert and vigilant because there are groups of people who allegedly involved in pre-selling securities in forms of shares in stocks of hospitals currently being constructed. To make it more enticing, these people promise the buyer to grant them hospital benefits like free or discounted O.R. fees, free or discounted private room, ICU or ward accommodations, discounts on use of ICU, hospital equipments , medicines, etc., and discounts on hospital services as well as in-patients and out-patient case rates. According to the advisory from SEC, these shares of stocks being offered fall under securities category. meaning, no individuals could sell it to the general public unless it had been registered with the SEC. Should any individual or group of people approach anyone offering this kind of transaction, you may report such activity to SEC so that the commission will take appropriate actions. Ads Sponsored Links Read More: Read More: There were growing number of alleged disappearances and abduction claims recently but the Philippine National Police (PNP) said that there were no such confirmed cases reported to them. As parents, we really want to know the truth behind these incidents which concerns the safety of our children. Ads Just recently, 2 young girls were rescued after 3 suspects attempted to abduct them and forcibly boarded them to a pick-up van in Camarines Sur. A concerned citizen who witnessed the incident chased them and called the attention of the authorities which resulted to the arrest of the suspects. One of the victims, Anna, not her real name, said that they were on their way home after fetching a project from their classmate, a van stopped near them and the suspects grabbed them by the arm, tied both of them and forcibly pushed them inside the vehicle. The victims struggled, kicking the suspects and made it to escape. Both of them were left on the side of the road. That is were Rodolfo Paratao saw them crying. Using his motorcycle, he chased the van of the suspects and called the attention of the Barangay officials. The pursuit continues and with the help of other motorists, the vehicle was cornered in Barangay San Antonio in the neighboring town of Ocampo, Camarines Sur. The suspects were identified as Juan Antonio Castillo III, Art Vincent Revilla, and Paulo Julio Nerva, all from Naga City. According to P/SSG Eleno Calongui Of Pili PNP, the suspects said that they are on that barangay to do nature tripping. The suspects will face abduction charges in relation to Republic Act 7610. Overseas Filipino workers (OFW) risked a lot just to give their families a better future. It includes working in an unfamiliar territory with different culture and beliefs. They live everyday uncertain of what could happen. Just like what happened to an OFW who was mugged and hit several times in the head. Ads Rommel Ranque, hailed from Sta Cruz, Laguna, an OFW father of four, is now fighting for his life after two unidentified men mugged him and hit him several times in the head in Riyadh, Saudi Arabia on January 20. Ranque, according to the message posted by a woman who introduced herself as his sister, was on his way to the warehouse where he is working when the incident happened. He suffered severe brain injury and multiple fractures involving skull & facial bones. He’s been in the hospital in Riyadh for a month now and he needs his family by his side at this critical time. They need help with the medical bills and travel expenses even at least for his wife to be able to go to Riyadh and personally take care of him and eventually bring him back home to the Philippines. His sister is also appealing to President Rodrigo Duterte or anyone that can be able to render assistance to his brother and his family. Meanwhile, a fund raising drive through GoFundMe.com was created by concerned citizens to be able to help the OFW and his family. The fund raising campaign is intended to raise money to help OFW Rommel who is a sole breadwinner of the family. The Philippine Embassy In Riyadh is yet to issue a statement about the particulars and development of the case of the OFW. Ads ©2019 THOUGHTSKOTO

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The Security and Exchange Commission (SEC) warns the public to be cautious in entering deals on buying shares.
In an advisory released by SEC, people are warned to be alert and vigilant because there are groups of people who allegedly involved in pre-selling securities in forms of shares in stocks of hospitals currently being constructed.

 To make it more enticing, these people promise the buyer to grant them hospital benefits like free or discounted O.R. fees, free or discounted private room, ICU or ward accommodations, discounts on use of ICU, hospital equipments , medicines, etc., and discounts on hospital services as well as in-patients and out-patient case rates.

 According to the advisory from SEC, these shares of stocks being offered fall under securities category. meaning, no individuals could sell it to the general public unless it had been registered with the SEC.

 Should any individual or group of people approach anyone offering this kind of transaction, you may report such activity to SEC so that the commission will take appropriate actions.
Ads

Sponsored Links


Read More:
Read More:
There were growing number of alleged disappearances and abduction claims recently but the Philippine National Police (PNP) said that there were no such confirmed cases reported to them. As parents, we really want to know the truth behind these incidents which concerns the safety of our children. Ads Just recently, 2 young girls were rescued after 3 suspects attempted to abduct them and forcibly boarded them to a pick-up van in Camarines Sur. A concerned citizen who witnessed the incident chased them and called the attention of the authorities which resulted to the arrest of the suspects. One of the victims, Anna, not her real name, said that they were on their way home after fetching a project from their classmate, a van stopped near them and the suspects grabbed them by the arm, tied both of them and forcibly pushed them inside the vehicle. The victims struggled, kicking the suspects and made it to escape. Both of them were left on the side of the road. That is were Rodolfo Paratao saw them crying. Using his motorcycle, he chased the van of the suspects and called the attention of the Barangay officials. The pursuit continues and with the help of other motorists, the vehicle was cornered in Barangay San Antonio in the neighboring town of Ocampo, Camarines Sur. The suspects were identified as Juan Antonio Castillo III, Art Vincent Revilla, and Paulo Julio Nerva, all from Naga City. According to P/SSG Eleno Calongui Of Pili PNP, the suspects said that they are on that barangay to do nature tripping. The suspects will face abduction charges in relation to Republic Act 7610.
Overseas Filipino workers (OFW) risked a lot just to give their families a better future. It includes working in an unfamiliar territory with different culture and beliefs. They live everyday uncertain of what could happen. Just like what happened to an OFW who was mugged and hit several times in the head. Ads Rommel Ranque, hailed from Sta Cruz, Laguna, an OFW father of four, is now fighting for his life after two unidentified men mugged him and hit him several times in the head in Riyadh, Saudi Arabia on January 20. Ranque, according to the message posted by a woman who introduced herself as his sister, was on his way to the warehouse where he is working when the incident happened. He suffered severe brain injury and multiple fractures involving skull & facial bones. He’s been in the hospital in Riyadh for a month now and he needs his family by his side at this critical time. They need help with the medical bills and travel expenses even at least for his wife to be able to go to Riyadh and personally take care of him and eventually bring him back home to the Philippines. His sister is also appealing to President Rodrigo Duterte or anyone that can be able to render assistance to his brother and his family. Meanwhile, a fund raising drive through GoFundMe.com was created by concerned citizens to be able to help the OFW and his family. The fund raising campaign is intended to raise money to help OFW Rommel who is a sole breadwinner of the family. The Philippine Embassy In Riyadh is yet to issue a statement about the particulars and development of the case of the OFW. Ads

©2019 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.

Ads

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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