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

[OT_Racing]

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Age 32
Savings 300K+ tua sa bank very liquid (due to emergencies mao rni natigum)
Tangible asset: kmx200, iphone 3gs, PSP 3 units, PC dual core, N79, digicam, etc etc (no car no house kay gasalig sa parents)
Chicks: 1 legal wife, 1 legal daughter, dozen eheems.....
if you want to get rich by that age, marry a doctor....

[cebu.opportunities]

I'm 27. Single.
Cash in bank. 550,000
cash on hand. 150,000

investments
1. 200000- earns. 3000.-5000 per day. ( bago. pa Lang ko ani. 2 months)
2. 400000.- earns. 15000 - 20000 per month

Job
Monthly income of 40000-50000
Quarterly. 5000

unsa ni nga business? if okay lang mo ask...

1. 200000- earns. 3000.-5000 per day. ( bago. pa Lang ko ani. 2 months)

1.5% to 2.5% of capital ang income per day? dakoa ani uy. if 30 days, 90K to 150K. conservative computation ky 60k to 100k per month unya 2 months pa ga start.

2. 400000.- earns. 15000 - 20000 per month

3.75% to 5% growth per month, not bad giving you approximately 45% to 60% growth annually.
net income na ni siya bro? if yes, approx. 2 years ang ROE and the succeeding years, ROI and true profit na gyud. nice.

if stable ni siya nga business (di pina-AMAN), nindot nani nga source pra invest sa lain investment vehicle. emergency fund (I assume) is there.

OT number 2 for this post:
Can someone share the approximate percentage/portion of the monthly income allocated for investment, savings, expenses and the like...

It would be helpful for everyone to have a guide so that we'll gradually train ourselves. (kay sa karon, all-out mn kayo on certain things which compromises other important ones. nindot if balance. yes, sayang if ny portion sa money natog pero in case of emergency, lisod kaayo mangita kwarta. )

average for emergency fund is 6 months to 1 year of monthly income/salary. Another view is, 6 months to 1 year of your current or average expected money in a month.
example,
monthly amortization for housing loan = 20,000
cost-averaging investment fund = 5,000
additional capitalization for business = 10,000
basic bills-- food, shelter, clothing, transpo, etc= 15,000
life insurance = 2,500
health insurance = 2000
regular check-up = 500
wants, leisure, travel = 2000
...needing to come up with at least a total of 57,000 pesos (or 60K) monthly
... so, 360 to 720K ang kailangan nga emergency fund.

[mckoy_slipstream]

@cebu.opportunities: no comment na lang ko ana nga figures. i wont be surprised if muingon cya na hyip yan. hehe... fx can earn that much in a day if your a good trader. maybe networking yan or hyip nga.. hehe..

[deadspace]

here 26...
fresh grad last 2012 kay permi undang mag one year nako sa company

ako kay 50000 ..suod sa 9 months gikan sa pagradute heheh
gawas pa ana ang expenses nko sa pag paskul sa ako kuya sulod sa 9 months..na nakasuod ko sa work

secrets nako ngano nakaabot ko ana??

hehehe naa ko sideline ...gamay then ang mahabilin sa ako sweldo di nako igasto ako ibangko dayon hehheh

[hdayono]

Unsa na company nga fx brad? Dri sa cebu nga company bsn dala na advertisemnt imo, kbalo ko unsa ka delikado ang forex kng naai brokers fee ug dagku nga spread...

[marclouieyap]

@cebu.oppurtunities interested sad ko ana imo pangutana. Lain sad sources ba basin pde ta kasulod..

pero possible kaayo na cya nga figures.. 10% to 70% in 1-5 months usual growth for Private Stocks sa Agri Sector during the start to end of the harvest season. Kusug ang first cycle sa year which is from March to July. Pero dili lang ka pde kabutang ug dako kaayo kay magdepende sad na sa allocation.. like allocate lang sila 200k for you max to invest.. Been doing this since college.. With private stocks lang, open to relatives and close friends lang gyud usually.. Chinese Family business are doing this sad.. Example kay National Bookstore sauna before they entered Public Stocks this month through back door listing..

If it is Public Stocks sa PSE, then possible kaayo 10% in a day.. Dapat maayo lang ka timing tsupit.. for holding sad Highest I got this year is CPG mga 57% from January - Feb 28..

wala koy info anang FX pero it would be nice to learn on that trade sad like how it works and same2x lang ba stock market..

[marclouieyap]

@cebu.oppurtunities

Ako lang guro ma advise is to set you max allowable expense in a month regardless of mudako imo income..

Let us say you set aside 20k in a month for all expenses then everything else goes to investment or savings and and other stuffs that can make it grow.. If naa kay sobra sa imoha 20k then pwede nimo ipangrelax suroy or imo iadd sa investments.. You need to track your expenses jud para maka adjust ka kung hapit na nimo maabut imo max allowable expense nga gi set for yourself.. See it as a personal goal..

And if ganahan ka set aside emergency fund for unexpected stuffs, then AT LEAST 6 months worth of expenses imo iset aside not 6 months worth of income.

Another way of setting aside for emergency fund is to invest in variable funds.. I'm sure familliar ka ani kanang Investment with life Insurance.. you just need to get the one which is enough for you.. maski gamay nga premium lang kana mga 20k annually or 12k ba.. Get it for the Protection and not for the investment.. Ang investment lang kay bonus nana cya para dili nimo ma feel ang cost sa insurance in the long run and pde ni cya additional source of funds in case you need it.. No Need to get a big premium for this if you have other investment which could generate higher income like Stocks and Business investments..

In case wala kay lain kabutangan then mao nana time nga kuha ka kad2 dako nga premium.. para wala lay mag standby nga kwarta.. sayang ang oppurtunity cost..

[Oclasvec]

On business. 1. I have 5 employees. At first I could not believe it. But when I started tinoud diay. Taiga lang. You have to sacrifice at first as of now I cannot tell more details bout this one. I never told my dad when I started this one Kay Dili sya musugot. But when nag start ko. ask sya pila Kita nako. Ako answer. 3000. To 5000. Per day. Net........ Wa sya katingog.
On business 2. I lend money on my co employees. 5% interest per month. Wa Kay buhaton. Ang imo earnings ani mura nag Dako nga sweldo sa uban..

[Oclasvec]

Brad kon di. ka mutuo ayaw nalang. But I did it , others also did it. Ang pinakamalakas sa Amin is kikita ng 100000 per day..if you ask me. Kita ta. But promise me nga di ka copy sa ani nga business

[rhodem24]

Brad kon di. ka mutuo ayaw nalang. But I did it , others also did it. Ang pinakamalakas sa Amin is kikita ng 100000 per day..if you ask me. Kita ta. But promise me nga di ka copy sa ani nga business

Share ani bro beh? PM me. Hehehe