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

[more.fun.in.cebu]

simple trick raman akoa..... don't buy things just because u want it........ buy only the things that u need....... got a simple phone, a tab which i need for my trading...... no vices, no gf (so mas maka save hahahhaha) , i dont eat sa expensive restaurants, if possible mag cook sa balay, simple lang gud..... if u have extra cash, find a way na mapadaghan nimo siya.... dili kay palit dayun or ilaag.... Lami sad gyud bitaw molaag.... pero after that kung hubas sad ang result..... patay........

Sakto jud ka brad. Ako bitaw ng start nko invest sa mutual funds krn.

Im 23 / 15k savings na sa mutual funds.
Assets is a simple ipad and phone.
Earning around 15k monthly as an account manager sa CAVS

[cebu.opportunities]

Age: 20's/ single

Obligations and "Assets":
I. Losses
- 7 digitsSs


II. Penalty
A. Breach of Contract
- cash is ready for the last month of payment, at last
- but still, I cannot guarantee if I'll be able to get the clearance. basi unsa napud kaha'y trap ani, hehe. If that happens, di na gyud tolerable.

B. Clearances
a.
b.
c.
d.
e.
- on-hold. 'will settle this after part III and IV are done. I supposedly attended this a year ago when putting it to an end won't give any significant liability but then they advised me to give it time and wait for a possible change of mind and yet my decision is still the same as it was a year ago and now I presume penalties are awaiting ahead.


III. Debts
A. Cash
a. 6 digits
b. 6 digits
c. 6 digits
- All of which are with running interests. Letter a's monthly interest hurts a bit and I want to settle this first. Panington ta'g dugo ani. Letter b and c's interest are quite fine but combining both and given only for a month to settle this is unrealistic. Makaluha ta'g dugo ani, haha. hapit ko mabuang ani dah, hehehe. Mao na ni ang time nga makaingon ka pwede nako mamatay, lol, but committing suicide is not in my vocabulary to free myself of such obligation. Came up with a plan on how to settle all these three. I'll not run from it; All I need is enough time for I'll start generating something out of nothing here. Earning small for a start-up capital is the hardest but the rest will just follow. Been searching of new ways but I failed to find one that fits to my need which is to have at least a systematized generating system that will give you a foreseeable growth in a given span of time which is still subject to some slippages and margin of error but can be managed and realized that I have been doing this strategy before but risks, self-control, & greediness were not managed well during that time. Risk is always there and we cannot make something if we won't take the risk. Managing the risk is very important and this is, I guess, the hardest. I'll begin with the feasibility study during the last quarter of the year and hopefully, it will have good yield by the end of the year. If it will work, next is to incorporate the "trading psychology" principle here and will give it a year to analyze the result. This is difficult in application but it won't hurt to give it a try.


IV. Investments
A. Without Financial Obligation
a. UITF
- returns are quite conservative. 'will pull out this one when satisfied with its yield.

b. Financier/Investor
- still have to monitor this one

B. With Financial Obligation (Biased to Real Estate Properties; payment is faithfully done and hopefully will not be delinquent)
a. existing (standby)
- with good earning potential
- So many imaginary plans for this but too bad I don't have the capacity for its realization at this time.
- May or may not sell this but won't sell this until 3 years or more from now.
- tolerable monthly financial obligation
- aim: just follow monthly installments until end of term

b. existing (in preparation to generate income)
- not a fan of this type of property
- potential passive income due to time and effort limitation
- Savings will be drained for a small amount spot cash and for its interior works
- bearable monthly financial obligation
- aim: may follow amortization schedule or pay in advance

c. existing (generating income)
- high potential income but I cannot serve 2 masters with full effort on both
- willing to give up this one but won't leave this hanging
- no employees employed and were able to adapt the business flow but will revise the system for I cannot focus on this only because I'm not being paid and there's quite a huge figures up there that I need to settle upon.
- Emergency funds drained for housing loan advance payment
- challenging monthly financial obligation (huge interests)
- aim: finish this first because principal amount being paid per month is just 1/10 over the interests

d. immediate target
- been searching for this for quite some time
- wrong timing for I don't have money but once I will let this opportunity go, I'll not have the chance to avail this type of property anymore
- planning for site visit again, analyze terms and conditions and if overall it's worth it, then go

C. Additional (Offshore)
- sell some and buy one or two
- on-hold income
- giving this a year for completion of legal processes

-----------------------
haaay,
single pa gani, parang pasan na ang mundo

pero,
thankful for these challenges in life because success is not only based on good results but also on how you stood up, manage and recover from failures. Grateful to those who continue to inspire us to keep moving forward.

[beyee]

^^ graveha Ana CO ui hehehe
Morag nalipong ko nag-imagine sa imo financial
system hehehe... Comprehensive pa jud hehehe..

Update sa ako previous post:

Three months now in my new job.
So far, naka-save na jud ko sa single fund nako.
That's where I keep my 20% from every payday.

Happy pod ko coz na-revive nako isa ka acct and
it's where I placed my "retirement" pay that I got
from my previous job. Pero na kuhaan Lang nako
og dako to pay off some bills. Gamay nalang I can
pay off that last bill and I'm debt-free!

Right now I'm not contented of what I have saved
up since I've been very indulgent lately to beat off
work stress and there are still receivables that some
owe from me. I hope mabayran nako Meantime,
on-hold sa ako plan to invest on something worthwhile.

[MAGNETIC.LEVITATION]

Age: 20's/ single

Obligations and "Assets":
I. Losses
- 7 digitsSs


II. Penalty
A. Breach of Contract
- cash is ready for the last month of payment, at last
- but still, I cannot guarantee if I'll be able to get the clearance. basi unsa napud kaha'y trap ani, hehe. If that happens, di na gyud tolerable.

B. Clearances
a.
b.
c.
d.
e.
- on-hold. 'will settle this after part III and IV are done. I supposedly attended this a year ago when putting it to an end won't give any significant liability but then they advised me to give it time and wait for a possible change of mind and yet my decision is still the same as it was a year ago and now I presume penalties are awaiting ahead.


III. Debts
A. Cash
a. 6 digits
b. 6 digits
c. 6 digits
- All of which are with running interests. Letter a's monthly interest hurts a bit and I want to settle this first. Panington ta'g dugo ani. Letter b and c's interest are quite fine but combining both and given only for a month to settle this is unrealistic. Makaluha ta'g dugo ani, haha. hapit ko mabuang ani dah, hehehe. Mao na ni ang time nga makaingon ka pwede nako mamatay, lol, but committing suicide is not in my vocabulary to free myself of such obligation. Came up with a plan on how to settle all these three. I'll not run from it; All I need is enough time for I'll start generating something out of nothing here. Earning small for a start-up capital is the hardest but the rest will just follow. Been searching of new ways but I failed to find one that fits to my need which is to have at least a systematized generating system that will give you a foreseeable growth in a given span of time which is still subject to some slippages and margin of error but can be managed and realized that I have been doing this strategy before but risks, self-control, & greediness were not managed well during that time. Risk is always there and we cannot make something if we won't take the risk. Managing the risk is very important and this is, I guess, the hardest. I'll begin with the feasibility study during the last quarter of the year and hopefully, it will have good yield by the end of the year. If it will work, next is to incorporate the "trading psychology" principle here and will give it a year to analyze the result. This is difficult in application but it won't hurt to give it a try.


IV. Investments
A. Without Financial Obligation
a. UITF
- returns are quite conservative. 'will pull out this one when satisfied with its yield.

b. Financier/Investor
- still have to monitor this one

B. With Financial Obligation (Biased to Real Estate Properties; payment is faithfully done and hopefully will not be delinquent)
a. existing (standby)
- with good earning potential
- So many imaginary plans for this but too bad I don't have the capacity for its realization at this time.
- May or may not sell this but won't sell this until 3 years or more from now.
- tolerable monthly financial obligation
- aim: just follow monthly installments until end of term

b. existing (in preparation to generate income)
- not a fan of this type of property
- potential passive income due to time and effort limitation
- Savings will be drained for a small amount spot cash and for its interior works
- bearable monthly financial obligation
- aim: may follow amortization schedule or pay in advance

c. existing (generating income)
- high potential income but I cannot serve 2 masters with full effort on both
- willing to give up this one but won't leave this hanging
- no employees employed and were able to adapt the business flow but will revise the system for I cannot focus on this only because I'm not being paid and there's quite a huge figures up there that I need to settle upon.
- Emergency funds drained for housing loan advance payment
- challenging monthly financial obligation (huge interests)
- aim: finish this first because principal amount being paid per month is just 1/10 over the interests

d. immediate target
- been searching for this for quite some time
- wrong timing for I don't have money but once I will let this opportunity go, I'll not have the chance to avail this type of property anymore
- planning for site visit again, analyze terms and conditions and if overall it's worth it, then go

C. Additional (Offshore)
- sell some and buy one or two
- on-hold income
- giving this a year for completion of legal processes

-----------------------
haaay,
single pa gani, parang pasan na ang mundo

pero,
thankful for these challenges in life because success is not only based on good results but also on how you stood up, manage and recover from failures. Grateful to those who continue to inspire us to keep moving forward.

Murag dili na gyud ka maminyo ana sis.

[cebu.opportunities]

Murag dili na gyud ka maminyo ana sis.

ayaw pag-ampo bro. luoy kayo wai apo amo papa, hehe
target nako maimpas siya within 5 years. hopefully, makaabot jud. if not, at least makuhaan.

by the way, update sa section IV under B.c., instead of 1/10 ang ratio sa principal and interest, 1/9 nlng karon tungod sa advance payment. once a year ra pwede maka-advance pay so will be waiting for next year napud puhon.
okay rana. at least ny movement. kaya rani bro, hehe

[kahrosi]

nah kuyaw d mamnyo gyud

tapkon sa nako akoa

[MAGNETIC.LEVITATION]

ayaw pag-ampo bro. luoy kayo wai apo amo papa, hehe
target nako maimpas siya within 5 years. hopefully, makaabot jud. if not, at least makuhaan.

by the way, update sa section IV under B.c., instead of 1/10 ang ratio sa principal and interest, 1/9 nlng karon tungod sa advance payment. once a year ra pwede maka-advance pay so will be waiting for next year napud puhon.
okay rana. at least ny movement. kaya rani bro, hehe

Tanawa sis, 1/9 na.. so it will take about 9 more years para ma impas.. dayon after ana naa naman pud bag-o mosulod nga investment nimo..
You are already in the 20s, assuming 21+9 = 30 years old naka ana.. hehe.. lisod na baya sis..
hahaha... peace.. joke lang..

Bitaw oe.. Unsa ng imong breach of contract sis? ngano na siya. Ikaw ang nakabreach ana?

[cebu.opportunities]

^ 20 years to pay na siya bro. dako2x gyud ni nga amount, hehe....
pwerting dakoa sa interest. lisod nmn i-transfer sa lain bank. bale, bag-o ra diay sa pag-assume anang loana bro. if I were to choose, di ko didto nga banko pero naa nmn and it's the property man ang ganahan. sige nlng.
will update lang pud puhon (or maybe next year) if na unsa nani, hehe.

breach of contract sa business na siya bro. not worth it. let's keep their privacy nlng. Charge to experience nlng to siya. a painful one, hehe.

[medwarc]

^ 20 years to pay na siya bro. dako2x gyud ni nga amount, hehe....
pwerting dakoa sa interest. lisod nmn i-transfer sa lain bank. bale, bag-o ra diay sa pag-assume anang loana bro. if I were to choose, di ko didto nga banko pero naa nmn and it's the property man ang ganahan. sige nlng.
will update lang pud puhon (or maybe next year) if na unsa nani, hehe.

breach of contract sa business na siya bro. not worth it. let's keep their privacy nlng. Charge to experience nlng to siya. a painful one, hehe.

grabe sis, ni take jud ka ug risk sa? I mean you have the guts da...

[MAGNETIC.LEVITATION]

^ 20 years to pay na siya bro. dako2x gyud ni nga amount, hehe....
pwerting dakoa sa interest. lisod nmn i-transfer sa lain bank. bale, bag-o ra diay sa pag-assume anang loana bro. if I were to choose, di ko didto nga banko pero naa nmn and it's the property man ang ganahan. sige nlng.
will update lang pud puhon (or maybe next year) if na unsa nani, hehe.

breach of contract sa business na siya bro. not worth it. let's keep their privacy nlng. Charge to experience nlng to siya. a painful one, hehe.

DAgko gyud basta mag istorya na ug real estate.
What pays for the loans man sis? The other properties pud?