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Pinoy Investment Guide

~ Learn on my Journey in Learning About Investing

Author Archives: Dexter Panganiban

How Politics Can Affect Prices of the Stock Market

02 Thursday Jan 2020

Posted by Dexter Panganiban in Uncategorized

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Recently water concessionaire is under fire from the Mr. President, citing some onerous provision in the agreement which was studied by the department of justice. Upon the public announcement of the president that he will puss through in persecuting those who are involve in this onerous agreement, all stocks directly connected to the water concessionaire falls downs. It doesn’t matter if the stocks has a good fundamental or even following a certain technical analysis. It all goes own in “Sell on News”. It’s all about politics, when you are in stock market, you need to be aware of what is going on in the government. It will determine the price movements of the stocks.

Before the year end, The president says something against the water concessionaire that the government doesn’t want to negotiate. Today, when the market opens, MWC falls down with a low of 7.62 from its closing of 10.36 last trading day. 26.44% down from the closing date of the last trading day. Before the trading breaks at noon, it closes at 8.87 which is about 16.41% higher from the bottom.

As of January 2, 2020 – 1:00 PM

Stock market is risky, but by studying your moves and managing your risk, you will be able to gain with this kind of trades.

If you want to be involve in this kind of stock, you need to be updated with what is being mentioned in the news. It might give you a very high gain or vice versa very high loss.

What is My Take in MWC & MPI?

17 Tuesday Dec 2019

Posted by Dexter Panganiban in Stock Market

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I believed that most of the readers knows what is going on with MPI and MWC. This companies are connected to the water concessionaire in Manila which was lambasted by the President Duterte due to the onerous clause in the contract with the government. Since then, the value of MWC begins to fall down from Average of 20 to 6 at PSE closing today.

Trade prices of MWC today has a high of 9.3 and Low of 5.01, it shall be noticed that before the trading closed today, the value of the stock rise from 5.01 to 6. I have reason to believe that it will bounce back tomorrow, December 18, 2020.

But of course in all our trading we need to have our Risk-Reward Ratio, I still believe that this stock can have a high potential not unless DOJ will really tell that they will not consider negotiating with this company.

It shall also be noticed, that this companies have given their intention to talk to the government with reference to the onerous clause that the president is telling, even they are still in the contract to the government.

On the other hand MPI is showing a moving up on its price. It has a 4.9% increase today after speech of Manny Pangilinan that it is not giving up on their Water Company (Maynilad).

As of Dec 17, 2019

So are you betting on this stock? or you still have to wait?

Coworking Kings – How To Make Your Coworking Space A Kingdom

03 Wednesday Oct 2018

Posted by Dexter Panganiban in Featured Post

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Tags

Appropriate Space

Image: https://travelercomment.com/wp-content/uploads/2017/02/Manila.jpg

In a country with over 7,000 islands, those setting out in business in the Philippines will find navigating the complex, and sometimes unreliable, infrastructure can be an obstacle to finding office space. In many cases, public transportation combined with utilities are not always reliable, and for business, this can be problematic. Unless you know the terrain, finding space in this beautiful country is still difficult without the help of someone more knowledgeable.

However, you do not have to give up your quest to start your venture or even to relocate your business to the country. Today’s serviced office providers can offer your business a fit out that is not only cost-effective but also promises to deliver more than desk space and office equipment. A Servcorp coworking space in Manila, for example, can provide your business with a ready to go office that will allow you to start work in the city. From your coworking space, your business can grow into a formidable empire.

Keep reading to learn how to turn your little shop into a multimillion-dollar conglomerate.

Finding The Appropriate Space

The coworking space is unique in that each one is different than the other. For this reason, scoping out and finding a space that will maximise your business’s earning potential is very important in using the space for growth. Of the various types of coworking spaces, you can find the type that caters to specific industries, niche spaces, and general spaces which cater to all industries.

The importance of finding an appropriate space is your space is going to help promote your venture, so you want to rent a space that aligns with the functions of your business. Not that one is better than the other, but if you chose a space that caters to a specific industry or mission, you are limiting your exposure to a diverse array of professionals, which can be a resource themselves. However, you get the benefit of working in an environment bespoke to your business’s needs.

Fleshing Out The Space’s Purpose

The great quality about the coworking space is that you can find yourself using your office in a couple of different ways. The first way is the most immediate – for workspace. However, because the coworking space is more than an office it is a valuable community, the space can be used to network for the purpose of building relationships. In many cases, these spaces hold events that become the gel that galvanises the community. Whether engaging in pitch nights pitching ideas, casual movie nights, or formal conferences, your workspace functions to provide a foundation for collaborating with others in the coworking space.

The final way the space can be used is to promote your own product and develop your brand identity. Because of the social atmosphere, with initiative, you can find yourself holding events that showcase your business’s products and services. You can also volunteer in the community space by helping with events or creating an online newsletter, which gives you the chance to engage in public relations on the individual level. If you are savvy with social media, take this as a chance to engage the coworking community in managing the space’s social media site.

Building A Kingdom

Building empires do not happen overnight, and a lot of planning has to go into creating that one moment when your venture becomes the hottest idea. Your coworking space can help provide the momentum your business needs to not only provide a foundation for creating the kind of relationships that build a business but also take your business to the next level. Your empire in the coworking imagination can be created by maximising all of the tools that comprise the space.

Free Tools for Savings and Budget Monitoring

15 Tuesday May 2018

Posted by Dexter Panganiban in How To

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There are lots of Free Tools that you can use for your savings and budgeting requirements. What I and my wife is using is the Google Sheets. Through Google Sheet, I can share my calculations with my wife or to whom I wish to share my calculations, The good thing is that Google sheet is Free and calculation in real-time. Whenever any of the users change any information, it will be reflected immediately to the other user as long as they are both online.

Security features are also high, it could not be shared as long as the settings are correct. It can also be shared with specific personnel among your group or within the family. Each member should have their own Gmail account for security purpose.

This also works on the mobile phone, so it is really convenient to use. The formula is also based on excel calculation so a simple arithmetic calculation can be made without any problem.

If you have any other ideas or tools about Free Tools for Savings and Budget Monitoring Please let us know in the comment.

Free Financial Literacy Seminar in Riyadh Philippine Embassy

26 Tuesday Sep 2017

Posted by Dexter Panganiban in Speaking Engagement

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Angat Pilipinas, Financial Literacy Seminar, Values Formation, VFSTCPII

For the 4th Time,  will again teach in Philippine Embassy and this time it is a collaboration of  Angat Pilipinas Coalition and the Values Formation for Spiritual Transformation (VFSTCPII) . The event will happen on October 7, 2017 (Saturday) and OFW’s in Riyadh are welcome. However, a Pre-registration is required to have a gate pass in the Diplomatic Quarters.

Registration is free but manadatory. Registration can be mage through this link. – https://goo.gl/FSxfiM

Speakers will be yours truly and Mr. Aldwin Resurreccion, a fellow volunteer of Angat Pilipinas Coalition. We will try to teach Filipino Community on how to handle their hard earned money.

Here is the Video of the Event:

Bitcoin Seminar By Ensino Institute Inc

15 Tuesday Aug 2017

Posted by Dexter Panganiban in Bitcoin

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Tags

BitCoin, Bitcoin Seminar, Cryptocurrency, Ensino Institute Inc

So are you looking for ways on how to learn about BITCOIN? A company named Ensino Institute Inc will be having its Bitcoin Seminar.

  • When: Sept 23, 2017
  • What Time: 2:00 PM
  • Where: Max Restaurant, Capitolyo, Pasig City.

This event will give you an idea about Bitcoin and how to earn from it. Of course, it includes learning it’s RISK. They will give lots of information about the bitcoin and how to trade and own it, You will for sure be able to understand terminology such as Block Chain, BTC Wallet, Cryptocurrency and more. This is a paid seminar and if you are early getting your reservation you can get discounts. I have been told that speaker is very well known in the industry and for sure you will learn a lot from him. I will soon post more information about this seminar.

Just for your information Bitcoin is now trading at Php 225,520 / 1 Bitcoin as of this writing. I also posted some information in Tagalog Language:

  • Maari Ba Matrace and BitCoin Transactions Mo?
  • Paano Nga Ba Gamitin ang BitCoin Wallet?

Ensino Institute Inc. is a registered Philippine Company who aims to educate Filipinos on the high yield portfolio such as Cryptocurrency and Forex Market.

Social Media Sites of Ensino Institute Inc.

  • Twitter of Ensino Institute Inc
  • Linkedin of Ensino Institute
  • FB Page of Ensino Institute

Disclaimer: I  work with Ensino Institute Inc.

3rd Free Financial Literacy Seminar | Riyadh Saudi Arabia

31 Wednesday Aug 2016

Posted by Dexter Panganiban in Speaking Engagement

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Tags

Financial Management

I am an advocate of Financial Literacy, I pray that time will come that OFW- Filipinos will be aware on how to deal with money. I dream of a time where majority of OFW will come home in Philippines, with proper mind setting on how to hold their finances as well as how to spend their money on a right manner. We at Angat Pilipinas Coalition and OFW Usapang Piso aims to teach fellow OFW on Financial Management. We will teach the step by step process on how to handle the finances.

On Sept 9, 2016 (Friday) we will be having our 3rd Financial Literacy Seminar. Financial Literacy Seminar in Riyadh

You may check our previous seminar :

  • 1st Financial Literacy Seminar
  • 2nd Financial Literacy Seminar

>>>> Register Here <<<<

Saving Tips: Balance Inquiry and Withdrawal

10 Sunday Jul 2016

Posted by Dexter Panganiban in Personal Financing

≈ 2 Comments

Tags

ATM, Balance Inquiry, Saving Tips, Withdrawal

Savings Tip

Saving Tips

Today I will be discussing some savings tip to our readers. Did you know that there is a monetary charges because of using your ATM Card on different bank? As a result, you are being charge an amount from Php 2 to Php 15 for doing balance inquiry and withdrawal. So if you are getting your salary twice a month, chances are you are doing balance inquiry and withdrawal twice a month or 24 times a year. See below computation for bank service fee for a year:

Php 17 x 24 times = Php 408

Computation above shows that you are spending Php 408/year for nothing which you can save if you are going to withdraw from the same banks as your ATM cards. The above amount is enough to buy for your 2 meals in Jollibee.

Here are some savings tips to prevent ATM bank service fee :

  1. Before opening an account, make sure that there is an accesible ATM Machine on location where you always hangout.
  2. If you cannot choose the Bank, you might as well just use your ATM card to buy from department store or in groceries.
  3. Pay via online. Check for the site of the common expenses which you are paying like telecom, electrical and more.
  4. Apply for auto debit on your bank so it will just be debited to your account instead of withdrawing and paying.
  5. Always withdraw in Maximum. Withdrawing in small amounts in the span of 1 month will mean more bank charges.
  6. Avoid Balance inquiry fee by using mobile banking applications (most of the major banks have this service).
  7. Before withdrawal make sure that you already knew on where to spend your withdrawn money.
  8. Make balance inquiry using your online account.

More Information: Bank Fee from BSP Website (.pdf)

If you have more suggestion let us know and we would be happy to add your suggestion.

Maari Ba Matrace and BitCoin Transactions Mo?

25 Monday Apr 2016

Posted by Dexter Panganiban in Bitcoin, How To, Tagalog Blog

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Tags

BitCoin, Bitcoin Info, Bitcoin Q&A

Ang Bitcoin transacations ay mahirap i trace not unless you know the BitCoin Wallet address of the person you are reffering. Sapagkat ang lahat ng BitCoin transacations ay na nakatala sa BlockChain Info (https://blockchain.info/). Decentralize ang pagamit ng BitCoin di tulad ng pera na nacocontrol ng Central  Bank ng bawat bansa. Sa Coins PH maari mo ng malaman kung sino ang nagpadala sa iyo kung kapwa Coins PH user din sapagkat maari ka ng magcomment kapag nagpadala ka na mababasa rin ng may ari ng account na papadalahan mo. Maari mo ring gamitin ang Email address ng papadalahan mo provided na gumagamit din sya ng Coin PH (Parang Paypal). Kung ang gamit naman nya ay di Coin PH ang kailangan mo lang alamin ay kung ano ang kanyang Bitcoin Wallet Address or Peso Wallet Address. Ngunit kailangan mo rin malaman na kapag nag padala ka na di mo na maaring ma refund ang anumang iyong ipinadala not unless na voluntary ibalik sa iyo ang pinadala mo. Kaya mag ingat din sa mga investment na nakikita sa internet patungkol sa BitCoin sapagkat marami nito. God Bless You all. Sa ngayon I have Hash Ocean

Paano Nga Ba Gamitin ang BitCoin Wallet?

13 Wednesday Apr 2016

Posted by Dexter Panganiban in How To, Tagalog Blog

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Tags

BitCoin, Bitcoin Address, Coins.ph, Crypto Currency, Hash OCean, Wallet Address

many-bitcoin-coinsIto po ang unang Tagalog Blog namin.

Ano ng aba ang Bitcoin Wallet?

Ang Bitcoin wallet and isang website na kung saan maari mong ilagay ang iyong pera upang magamit sa mga website na tumatanggap ng bayad na Bitcoin. Ang Bitcoin ay isang crypto currency na kung saan tanggap na sa ibat ibang lugar. Gumagamit ako ng Coins.Ph as my bitcoin wallet. Maari mong gamitin ang Bitcoin Wallet para mag bayad ng mga Utilities payment, Credit Card payment, at marami pang iba. Maari mo rin itong magami sa pagbabayad ng SSS. Ganoon din sa pagbabayad ng Tuition Fee.

Paano magagamit ang Bitcoin wallet sa Investment?

Kung nais mo naman pumasok sa mga investment ang bitcoin wallet ang gagamitin upang makapag invest ka sa Bitcoin Investment. Isa na rito ang Hash Ocean (BitCoin Mining) na kung saan bitcoin ang gagamitin mo sa pagbili at bitcoin din ang ibabalik nila sa iyo sa anumang kikitain mo. Kaya kailangan mo ng Bitcoin wallet.

Ano ang Wallet Address?

Ang lahat ng Bitcoin wallet ay mayroong wallet address. Ang wallet address and iyong gagamiting upang ito ang maging daan ng pagbabayad sa iyo ng iyong kita.

Ang kikitain mong Bitcoin ay maaring ipalit sa Pesos sa Bitcoin Wallet mismo. Maari ka rin mag withdraw sa anumang bank na piliin mo gamit ang Coins.Ph. Maari mo ring iwithdraw sa Cebuana Lhuiller at iba pa. Isang paalala lamang na di mo na pwedeng bawiin ang anumang iyong ibinayad o binayad sa iyo. Kaya siguraduhing tama lahat ang mga detalye na gagamitin mo sa pag gamit ng Bitcoin Address.

Kung may katanungan pa patungkol sa Bitcoin, mag comment lang po.

Image Credit : www.coindesk.com

10 Ways on How to Waste your 13th Month Pay

09 Wednesday Dec 2015

Posted by Dexter Panganiban in Personal Financing

≈ 1 Comment

Tags

13th Month Pay, Personal Finance Idea, Waste Your Money

automatic_trash_canHow long have you been working? And how many times did you received 13th-month pay? The main question is, how did you spend your 13th-month pay? Many employees received their 13th-month pay but just to spend it all away during Holiday season.

This is a sure way to waste your 13th-month pay

  1. Spend on something that you don’t need. Example, you want to be popular in your office, buy a new iPhone 6 Plus even you have your iPhone 6 fully working.
  2. Go to Department store and buy things on sale but you know that you will not use it in a few months and you will just put it in your cabinet.
  3. Buy new shoes even you have 6 pairs of shoes in your closet that you are not using.
  4. Go to casino and gamble your money
  5. Go to beerhouse and drink a lot and pay a huge amount of money for a 1 night happiness (that is according to you).
  6. Spend 13th month pay without consulting your wife/husband.
  7. Buy stocks due to hype as mentioned in the forum where you belong.
  8. Invest in something that you did not study, you just invest because your friend said its the best investment.
  9. Invest in something that everybody knows that it’s a scam. You have self-denial that you believe you can get immediate income buying that product.
  10. Throw your money in the garbage can.

Well, I hope you know what I mean, spend your money well. Give what is due to God, share your blessings and think of something that after a year you will say that I have placed my 13th-month pay in place where I know it will grow and you can be a blessing to others.

Why Using Philippine Credit Card is not suggested for Foreign Transactions?

02 Wednesday Dec 2015

Posted by Dexter Panganiban in Personal Financing

≈ 2 Comments

Tags

credit card, credit card debts, Philippine Credit Cards

Did you face a situation that you are travelling in a foreign country and you cannot do anything but to use your credit card for your purchase? Well, I have done it many times and it’s a bit strange for me that the conversion rate is always high compared to the prevailing market rate. Upon my research, I found that credit card company charges 3.525% on all my foreign transactions. Did you know that it is hard to earn 3.525% in any investment portfolios. Forex might be different of course.

Foreign Transactions – All charges made in foreign currencies will automatically be converted to Philippine on the posting dates at the prevailing exchange rate determined by Via/Mastercard. A fee up to 3.525% will be imposed on the converted amount which represents our service fee and assessment fees charged by VISA/Mastercard.

The above information answers my query about the high exchange rates when purchases are being converted. What more if this expense were not been paid immediately? The said expenses will incur 3.5% interest or based on the prevailing interest rate of your credit card company.

This is just a reminder for using your credit card for foreign transactions. This also applies if you are using your credit card for online payment which is normally using US Dollar.

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