How old are you? And how much is your savings na?

[marclouieyap]

Sa tinuod lang, naa may ma-bira just in case. But I don't count it as savings, kay halin ni siya. Naka-suway pud ko hapit prenda sa sakyanan kay i-invest lagi unta' nako' ang kwarta. You're right, in-kaso naay mahitabo' we should have funds easily available. Mag-labad lang ko magtan-aw na naay kwarta na nag-pundo ra, sayang iyang potential to grow (especially knowing na naa kay kabutangan niya para motubo').

The worst that happened was, katong nanganak akong asawa then na-confine ang baby for 1 week. My wholesaling business completely shut kay nagamit ang kwarta. Now, we're back on our feet na hinuon.

Mka suggest ko set aside ginagmay lang like Variable fund ba.. which is Protection with investments.. Dili rana nimo mabati.. mura rka nagset aside gamay every month para invest ug mutual funds with protection benefits.. ang protection, in effect dayun from the date nga nagstart ka, ang investment part makita nimo ang tubo niya in the following years so wala rajud cya nasayang.. ginagmay ra pero mag sige compound .. maski 1k/month ok na kaayo. Pwede rman na nimo makuhaan anytime imo gibutang in case gamitunun najud maayo, ayaw lang ihurot para in effect gihapon ang protection benefits..

para imo kwarta sa negosyo dili na nimo mahilabtan in kaso naay emergency.. sige lang tubo2x.. Then ang protection mucover nana for income replacement just in case something happens to you.. secured na imo family

[quantuminplus]

nindot ni nga discussion....... share some more.......

[Ryan Tan Yu]

Mka suggest ko set aside ginagmay lang like Variable fund ba.. which is Protection with investments.. Dili rana nimo mabati.. mura rka nagset aside gamay every month para invest ug mutual funds with protection benefits.. ang protection, in effect dayun from the date nga nagstart ka, ang investment part makita nimo ang tubo niya in the following years so wala rajud cya nasayang.. ginagmay ra pero mag sige compound .. maski 1k/month ok na kaayo. Pwede rman na nimo makuhaan anytime imo gibutang in case gamitunun najud maayo, ayaw lang ihurot para in effect gihapon ang protection benefits..

para imo kwarta sa negosyo dili na nimo mahilabtan in kaso naay emergency.. sige lang tubo2x.. Then ang protection mucover nana for income replacement just in case something happens to you.. secured na imo family

Hahaha I smell IMG!

Bitaw thanks for the input, pero I already have MF as my next investment goal ... so mao nay naa nako', daghan ideas/goals pero walay kwarta! That's why I never have savings, kay daghan ko makit-an na opportunities (kwarta ray wala'). I completely understand MF, although not as well as I know my businesses pero I was in the middle of deciding to invest in MF before I started my printing business (which I chose over MF). I know they're not to be compared kay lahi' sila ug purpose/goal, I'm just saying na I believe I made the right choice by investing in printing (instead of MF) judging by the income it brought me. We've already decided, wifey and I, to invest in MF as soon as mahuman among orders (if there are no other more beneficial opportunities by then)

[marclouieyap]

Hahaha I smell IMG!

Bitaw thanks for the input, pero I already have MF as my next investment goal ... so mao nay naa nako', daghan ideas/goals pero walay kwarta! That's why I never have savings, kay daghan ko makit-an na opportunities (kwarta ray wala'). I completely understand MF, although not as well as I know my businesses pero I was in the middle of deciding to invest in MF before I started my printing business (which I chose over MF). I know they're not to be compared kay lahi' sila ug purpose/goal, I'm just saying na I believe I made the right choice by investing in printing (instead of MF) judging by the income it brought me. We've already decided, wifey and I, to invest in MF as soon as mahuman among orders (if there are no other more beneficial opportunities by then)

Unsay IMG Bro??

If ako say papiliun, business jud over MF. Gamay ra kaayo growth sa MF compared sa negosyo oe. Kasabut ko ana. . Pero if the time comes when the money you re-invest into business, dili na proportional sa income growth due to oversupply, then ako sa ibutang ug Public stocks, Private Stocks and MF (mga non-liquid savings) till naa nay magamitan (I think naa nka dri nga part).. Unless if you have another business idea that you can venture into then no need to put it into MF Negesyo nasad! para dako gyud mabalik in the long run.

Wala sad ko nikuha gyud pure insurance kay sayangan ko sa cost.. Then ngano Variable ako gikuha? kay para dili nako mafeel ang cost in the long run.. Makuhaan man cya sa first few years pero in the long run magtubo, ginancya gihapon.. Dili sad ko musuggest dakoon nimo, kanang igo2x ra nga pwede ra nimo baliwala =)).. in the long run bawi ka kay pwede nimo magamit ang kwarta for future investments on your business and etc.. Plus naa nka Protection benefits so dili nka maproblema mag set aside dagko to cover you or dili ka mag huna2x unsa ipangprenda and etc hehe mao rapud ni akoa.. Para stable gyud and makasurvive maski unsa nga bagyo muabot sa kinabuhi

[marclouieyap]

When ang time nga ako na ibutang sa MF halos tanan?? ig retire na nako when ang iya conservative projected growth is much much more than my expenses apil na sa ako travel2x and etc.. relax na, glide nalang kay humana man kugi palupad while bata pa hehe

[ezekiel]

Im 26..kani lang usa..

oh!! S#^T!!! hurot aku BILIB!!mag save/negosyo/tubo kwarta ta mga higala woohooh !!!
UP!! 15 pages in 10 days!! i will post my savings account 3 years from now.. inig balik nako gikan Japan.. pohon!!

THERE IS NO BETTER PRESENT THAN A SECURED FUTURE!!
~phil. national bank~

[jbass]

Wa pa koy na save run kay hatag sa family.. Puhon if mo boom ako business basin naa na koy matigum.

[silent-kill]

ako nag support nako sa akong family.. ni gamay akong potential savings waaahh..

[vincent]

Imo, ok kaayo na mo support ta sa atong family like sa pag support nila nato before..take it as a challenge to strive even harder..i always try my best, if i fail? Ill doit again..

[Sgmangz]

Nice thread TS ako wala pa jud sad koy savings kay sige kog laag.