How old are u and what is your business now!

[chloe_abiga]

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@Iamalbertrebs @RightLeft

Hehe lage, i thought of that as well. Mas dako ang mahay if mgive up kog study then magnegosyo ko nya mpalpak ra diay to, sakit. Mas maayo jud naay diploma, daghan kag options. Hehe Thanks for the advice. I'll keep saving and collecting ideas for the near future.

[Iamalbertrebs]

oo sakto diay.. tiwasa sa diay imong skwela.. after ana find a job nga malingaw ka/suitable sa imong course then save lang jud.. as I can sense sa imong post dli ka gastador, moasenso jud ka ana - after 2-3 years of work nya nidako na imong savings.. Negosyo dayon. ubani lang jud tanan sa pag-ampo ask for guidance

[josh_box1985]

28 have a regular job. Manage assist in managing family business on tableya. we have a factroy of tableya. I also buy and sell gadgets and office equipment. garage hunter.

[brownie]

KANANG buy and sell ug mananap ba...heheh if makapalit ka ug mga mananap asa nimo ibagsak

imported man ning mga mananapa boss except sa ako mga manok bisaya hehe

[bizgirl]

@Iamalbertrebs @RightLeft

Hehe lage, i thought of that as well. Mas dako ang mahay if mgive up kog study then magnegosyo ko nya mpalpak ra diay to, sakit. Mas maayo jud naay diploma, daghan kag options. Hehe Thanks for the advice. I'll keep saving and collecting ideas for the near future.

@chloe_abiga, careful lang ka asa nimo i-save imo money. If you say nga sa bank please know nga dugay-dugay pa ni nimo i-save. Nothing wrong sa bank if imo purpose is for emergency fund. If not, medyo lugi ka. Sa akong gi-explain sa pikas thread, if naa ka P1000 sa bank, at the end of the year mo-gain na siya at most P13.75 kay 1% ra man interest rate. Ang inflation (means sustained increase in the general level of prices for goods and service, pasabot ang value sa imong kwarta karon is generally decreased in time due to several factors) sa Pinas is about 4%. So imong hard-earned P1000 savings at the end of the year will be P40 less in value. So if sa bank lang nimo store while waiting unsa negosyo, year on year ni-lose na siya P26.25 in value. Gamay ra BUT if dako imo kwarta diha say P100k, meaning P2,625 ang na-lose nga value. For me, learn about mutual funds. Refer to the other thread ("what can you say? Shockings facts! Filipino household savings and investing") kay we are discussing about mutual funds. Wala'y gi endorse nga products. Purely in the spirit of learning and based on experience.

[RightLeft]

@bizgirl naa mo group ani or training/seminar na ma attenan ani maam, kay sa una nag sugod sugod nako attend ane na training daghan daghan sad ko na kat unan ato, na stop lang kay ne change og direction pud ko, maayo unta if naah..

sa una makamao na ko mo compute atong pila na ang price sa usa kah kilo na bugas ig abot sa 2030 given na same ra ang inflation rate. until 2030. na wala man pud akong mga notes, nice to na learning og nahan ko mo review ato..

[bizgirl]

@RightLeft wala ko group sir. Sariling sikap lang jud ko study from books and internet, mga discussions with friends, attend ug mga seminars. Most of all, akong gi-praktis. Pareho anang sa mutual fund. Curiosity lang jud nako nagdrive to invest 8 yrs ago. After 6 years ni-doble siya. From what I learned pud, gi-diversify nako akong mga gi-invest sa different mutual funds company. Based sa ilang 3-5yr returns (Investment Company Association of the Philippines) makakita ka asa imo gusto investan. Nisulay pud ko stocks market. Di pa nako kaya ang time to study ani kay inantigo jud. Safest and so far had worked for me is the mutual funds. There are people who will manage my funds for me but would be gaining way better than banks. Long term akong strategy so every month, regardless ug musaka or mo-ubos mag-invest ko. Money cost averaging works. Had learned this from a friend who had listened to a seminar.

[Iamalbertrebs]

btw bizgirl how much did you invest? and doubling ur money in 6 years is okay but not great

[RightLeft]

Kinsa man imong broker ani imong mga funds maam?

[quantuminplus]

sa mutual funds by the way......
1. FAMI (Metrobank) ---- office nila naa sa Metrobank Jones... tapad sa Crown Regency
2. PAMI (PhilamLife) ----- office naa sa PhilamLife Jones
3. PhilEquity ------------ office naa Manila
4. Sunlife --------------- office naa sa Ayala.... dapit sa Lexmark Bldg..

or try BDO UITF sad....