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Pinoy Investment Guide

~ Learn on my Journey in Learning About Investing

Monthly Archives: August 2014

Top 10 Ideas on How to Increase Cash Flow for OFW

23 Saturday Aug 2014

Posted by Dexter Panganiban in Daily Dose

≈ 5 Comments

Tags

AIM Global, E-Store, investment broker, MLM, Multi-Level Marketing

ofw 2

Investing is something that most of us really want to do, but what if we have problem on your cash flow. Your available cash might just be enough for your daily needs. Here are some suggestion where you can increase your cash flow while oversees.

  1. Buy and Sell. During you vacation you can buy stuffs in Philippines and sell in the country where you are. The key here is to know the items that cannot be found in the country where you are working or it is hard to find. In addition you need to know if those items are not restricted into that particular country.
  2. You may be a blogger and become publishers. If you can write articles, you may earn from your ideas through blogging. Blog earnings may come from advertisers.
  3. If you are a good speaker, you can host seminars or paid webinars.
  4. You can start joining MLM (Multi-Level Marketing) or products with networking scheme. The good thing in networking is the possibility of having a passive income if done right. It only requires a very small capital. Recently, I joined AIM Global to explore the possibility of Passive income through networking.
  5. Make E-books and sell them online.
  6. You can do freelance internet works such as making websites, programming and more.
  7. You can be a virtual assistant in your free time.
  8. Be an investment broker and earn commission from it.
  9. You may start you own E-Store and let your family in the Philippines handle the logistics.
  10. Become a tutor.

There are lots of things that you can do if you really want to increase your cash flow. But all things mentioned above is not easy as it looks. It needs proper training and time management. But you can leverage your time. You can assign some task and earn from those through leveraging your time. You need to remember that you can also earn through the ability of other people.

Upon increasing your cash flow don’t increase your expenses. Self-discipline is also needed if you want to start investing.

Investing Even in Debt?

20 Wednesday Aug 2014

Posted by Dexter Panganiban in Personal Financing

≈ Leave a Comment

Tags

credit card debts, emergency fund, Mutual Funds, Stock Market

InVEST Can Help Logo JPG

Image Credit : investprogram.org

Seminars about investing and YouTube videos about investing are now easily accessible. Facebook post and updates talks about investing and savings. In reality it makes our drive to invest as soon as possible more.

So what if you want to start investing and yet you are filled with credit card debts, Will you start investing in Mutual Funds or stock market even if you are in a big financial mess? For me it’s a big NO.

What I meant is that paying of your credit card debt or any debt is the start of your investing. While paying your credit card, you will start the habit of saving a portion of your salary or income to pay off your debt. Normally I recommend 70, 20, 10. 70 % of your income is for expenses, 20% of your income is for your investment and 10% of your income for your Tithes or Love offerings. Use the 20% to start paying off your debt.

When time comes that you have paid off your debt, you will then be in a habit of saving a portion of your salary. The same amount that you used to pay your credit can now be used to build you emergency funds. After the emergency funds then you can go into Mutual Funds or even stock market if you can take the risk.

The idea is that you should not be investing in Mutual Funds or Stock Market if you don’t have Emergency Fund and still in debt because if time comes that you need money due to emergency, chances are you will get your investment even if it is still losing.

So be wise in your investing decision. In addition you need to set your goal prior to Mutual Funds or stocks investing. Knowing your goal will determine the amount of risk that you can take. Knowing your risk, may allow you to determine the type of investment portfolio will you go.

So be wise and Happy Investing. Study first before investing.

SEA`s tallest towers – Fun Facts!

07 Thursday Aug 2014

Posted by Dexter Panganiban in Miscellaneous

≈ Leave a Comment

Tags

Real Estate

sea_tallest_funfacts (1)

Burj Khalifa (previously called Burj Dubai)

Dubai, UAE

(Southwestern Asia)

height: 828 m

floors: 162

Located in the heart of the desert, Burj Khalifa has one of the most advanced cooling systems in the world.  The water collected from air conditions of Burj Khalifa is said to be equal to 20 Olympic-sized swimming pools per year. The water is then recycled and used for landscaping. 2

Makkah Royal Clock Tower Hotel

Mecca, Saudi Arabia

(Southeast Asia)

height: 601 m

floors: 120

The Makkah Clock Royal Tower will be the biggest clock tower in the world and the second tallest building in the world. The clock tower itself will be used for the call to prayer within the city of Makkah or Mecca.

Taipei 101

Taipei, Taiwan

(East Asia)

height: 509 m

101

Even though there are 61 elevators inside the tower, French climber Alain Robert  (aka French Spider Man) decided to climb Taipei 101 legally on Christmas Day in 2004.

Shanghai World Financial Center

Shanghai, China

(East Asia)

height: 492 m

floors: 101

When architects decided to change the design of the Shanghai World Financial Center it resulted in an extra bill of $200 million due to the advanced designs which included a structural system re-design, a foundation re-design and increased safety features.

International Commerce Centre

Hong Kong, China

(East Asia)

height: 484 m

118

The height of the International Commerce Centre was scaled back from earlier plans because authorities didn’t allow buildings to be taller than mountains surround Hong Kong.

Petronas Tower 1

Kuala Lumpur, Malaysia

(Southeast Asia)

height: 452 m

floors: 88

Petronas Twin Towers were the tallest buildings in the world until 2004 but they are still  the tallest twin buildings in the world. It cost US $1.2 billion to build Petronas Towers.

Wisma 46

Indonesia, Jakarta

(Southeast Asia)

height: 261.9 m

floors: 46

Wisma 46, also known as The Fountain Pen building because of its unique shape. One of the most interesting facts about the building is that it has been featured in the “Need for Speed: Underground 2” movie.

 

source: saudi.lamudi.com

Inflation climbs to 4.9% in July (source: NSO)

05 Tuesday Aug 2014

Posted by Dexter Panganiban in Business and Economic News

≈ Leave a Comment

Tags

Inflation rate

I just saw this news in My ColFinancial Dashboard:

Inflation climbs to 4.9% in July
The NSO reported that inflation rose to 4.9% in July, the fastest rate of inflation since November  2011. This brought year-to-date inflation to 4.3%, still within the BSP’s projected range of 3-5% for  2014. The acceleration in inflation was largely due to food and non-alcoholic beverages with prices  rising by 8.2% during the month. (source: NSO)

It only means that the value of your money decreases by almost 4.9% this month. So if you are invested in banks giving 1.5% interest, you are automatically loosing due to the inflation. The Investor’s aim is to get interest higher that inflation. So better start learning.

Invest and Do not gamble, Learn first. happy Investing

Will PSEI disprove the Ghost Month?

04 Monday Aug 2014

Posted by Dexter Panganiban in Stock Market

≈ 1 Comment

Tags

Equity Fund, FMETF, PSEi

Philippine Stock Exchange (PSEi)-706795

Credit : travelerparadise.blogspot.com

Today, PSEI closes at 6998.37 a little short from 7,000 level. Everybody is saying that the market have entered the what so called Ghost Month. Based on the previous years, Investment is not showing a good sign during this month but the market showed different thing today.

One thing is for sure nobody can really predict the outcome of the market. We need to stick with our investing plan and continue investing.

If you want to go with the flow of the PSEI, you may invest in “FMETF“, the first ever ETF in the Philippines. First Metro’s ETF was listed last December 2, 2013 at Philippine Stock Exchange. ETF means Exchange Traded Fund, a fund being traded in the exchange. To be more specific it is an equity fund being traded in the Philippine Stock Exchange (PSE).

What will happen tomorrow in PSEI?  Will this year end higher than 7400? Let’s see.

 

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