Kung me konting ipon na...

[JINJIN:*]

ano ang plano nyong gawin?

like for me....wala akong balak mag retire from abroad in say 5 to 10years. Nakikita ko na kaya kong magipon ng pera in that span of time, sabihin naten na conservative amount of 50k php in a month..

1.buy a house (na matetengga lang dahil matagal pa naman ang retirement ko)
2.buy a condo (na paparentahan muna at malamang luma na pag dating ng retirment ko)
3.buy a farm (na matetengga lang din pero sure na hindi mag dedepreciate)

MF's, stocks, insurance...meron na to...

I need something tangible in the future.

what will you do if kayo ako?

[ldrwifey]

ay sister ang swerte mo naman kaya mong ipunin ang 50K per month, haha... ako swerte na kung makapagtabi ng $300.00/month then magagastos din lang kasi umuuwi every year

nwei if ako naman, buy a farm, yun ang pangarap ng husband ko, na naging dream ko n din. na gaya mo mattengga lang din naman kasi wala p naman akong balak magretire in the next 20years

[JINJIN:*]

hi sis...wala pa kase akong anak..and I'm still seperated..so technically solong katawan lang..yun nga im taking this chance na kaya kong magipon ng ganung halaga. Kase alam ko pag nagka-anak na ko hindi na kakayanin yun.

Im thingking of buying a farm like you. Ang problema eh wala naman akong alam sa pagtatanim or pagaalaga ng hayop.

[ms_ldr]

sis dapat sa farm ay hands on ka. just save money so when the time and opportunity permits kung magkakaron ka nga ng farm eh di may pera ka agad ilalabas.
why not buy a condo muna na parentahan at least kumikita ka na.
or buy a lot lang muna in a good lcoation.

[chefron]

sis separated meaning?

sis you can buy a house/townhouse/condo na pwede mong gawing paupahan, na hindi din ikaw ang titira in the future, for investment din kung baga. kase yung earnings din na magegenerate nun eh pwedeng ipangdagdag pa din sa future income/expenses mo. at by the time na nakakahalati kana sa sinet mong date of retirement eh baka pwedeng pwede ka ng magretire due to passive income.

buy a lot/farm now habang mura, kahit sabihin mong nakatengga yan eh lupa pa din, kase kung 10 years from now ka pa bibili malamang wala ng lupa kundi puro bahay na kahit sa province..palagyan mo na ng bakod agad to secure it. just dont forget to pay yung amilyar yearly. you can pay in advance naman.

[ldrwifey]

hi sis...wala pa kase akong anak..and I'm still seperated..so technically solong katawan lang..yun nga im taking this chance na kaya kong magipon ng ganung halaga. Kase alam ko pag nagka-anak na ko hindi na kakayanin yun.

Im thingking of buying a farm like you. Ang problema eh wala naman akong alam sa pagtatanim or pagaalaga ng hayop.

ako din wala pang anak, kaso dito n talaga kasi kami nakabase kaya full force din ang gastos, bayad s kotse, utilities, gas, groceries, etc etc. wala p nyan si husband dito ah. ;-) (right now im living with my parents)

kami naman s agriculture kasi nakalinya ang career ng husband ko, so ok lang n mag invest kami s farm if may makuhang farm lot n swak s budget. then plano nya taniman n ng mga fruit bearing trees n hindi malakas s maintenance so kahit wala kami naguumpisa n yung farm, so by retirement matured n yung mga puno :-)

[mameejhy]

Personally, eto yun meron sa ngayon na para sa kinabukasan... naks!

1. Residential lot - para patayuan ng bahay pag uuwi na for good sa Pinas
2. Duplex - papaupahan for passive income
3. Educational plan for child#1 - finished

Plans in between Q2-Q3 of 2012

1. Mutual fund sa FAMI

Eto naman yun plano ko pag uwi (Dec 2012)...

1. Sunlife Life insurance w/ vul - for hubby and me; will try to also get mutual fund from them
2. Will enroll my BPI Direct account in BPI online facility (need to go to a physical bank to enroll)

^yan lang muna kasi I'm sure sasabihin na hubby na lahat na lang gusto ko gawin ng sabay sabay saka mabigat rin yun 2 life insurance sabay kukunin hehe

Ano ba ma-suggest nyo?

[mameejhy]

@JINJIN:* - nabasa ko to...

http://learnfinancialeducation.com/investing-in-mutual-funds-an-ofw-investment/

[smm_0411]

mga sis, ano ano ang mga requirements para makapag open ng mutual funds like sa FAMI?

[mameejhy]

^
For Initial Investment

Step 1. Get a copy of the Prospectus and study it.
Step 2. Fill out an Account Opening Form (AOF), Investment Application Form (IAF) and  Signature Cards and submit the documents  together with the following:
For individual (personal) accounts, please submit a photocopy of two (2) valid IDs
For In-Trust For (ITF) accounts, please submit a photocopy of the following:
One (1) valid ID
Child’s birth certificate (must be below 18 years old)

For more info: http://fami.com.ph/?page_id=2906

[JINJIN:*]

any other good ideas mga sisses?

[chefron]

jinjin please clarify yung word na separated? meaning youre still legally married? if so, yung pera na iniipon mo eh gastusin mo pampa annul mo bago ka mag invest, in that way di mapapasama sa hatian yung mga investments mo

[JINJIN:*]

unfortunately hindi pa ako anulled. And you are right na dapat unahin ko muna ang anulment, but no worries it will happen soon. Besides, im sure hindi na makikihati pa ang ex ko sa kung anumang investment ko (haller pinagpalit niya ko sa kabit niya) aba naman, matapos niya ako gaguhin eh makikihati pa siya, hindi ko na alam kung ilang diyablo ang sasanib sa kanya kasama na si lucifer!!

But setting that aside....apart dun sa mga choices ko....kung may konti na kayong ipon, what would you like to do with that money in Pinas?

[chefron]

sis you can buy a house/townhouse/condo na pwede mong gawing paupahan, na hindi din ikaw ang titira in the future, for investment din kung baga. kase yung earnings din na magegenerate nun eh pwedeng ipangdagdag pa din sa future income/expenses mo. at by the time na nakakahalati kana sa sinet mong date of retirement eh baka pwedeng pwede ka ng magretire due to passive income.

buy a lot/farm now habang mura, kahit sabihin mong nakatengga yan eh lupa pa din, kase kung 10 years from now ka pa bibili malamang wala ng lupa kundi puro bahay na kahit sa province..palagyan mo na ng bakod agad to secure it. just dont forget to pay yung amilyar yearly. you can pay in advance naman.

50k a month is 600k in a year.

if you can go back to school to hone more your knowledge eh maganda atleast upgradef version kana hhehe.
sis kahit na sya ang nangaliwa eh he is still entitled sa 50% of whatever you have as a couple..

[ldrwifey]

unfortunately hindi pa ako anulled. And you are right na dapat unahin ko muna ang anulment, but no worries it will happen soon. Besides, im sure hindi na makikihati pa ang ex ko sa kung anumang investment ko (haller pinagpalit niya ko sa kabit niya) aba naman, matapos niya ako gaguhin eh makikihati pa siya, hindi ko na alam kung ilang diyablo ang sasanib sa kanya kasama na si lucifer!!

sis if hindi mo pa afford ang annulment go for separation of properties para atleast wala siyang habol s mga ari arian mo, kasi kahit 10 kabit p ang ipagpalit niya sayo by law whats yours is his. kaya ingat lang sa mga properties mo kasi right now lahat ng pinaghihirapan mo may hati siya

[lian16]

ako gusto ko talaga residential lot muna. kasi every year tumataas ang halaga ng lupa.

[Girltalker2]

unfortunately hindi pa ako anulled. And you are right na dapat unahin ko muna ang anulment, but no worries it will happen soon. Besides, im sure hindi na makikihati pa ang ex ko sa kung anumang investment ko (haller pinagpalit niya ko sa kabit niya) aba naman, matapos niya ako gaguhin eh makikihati pa siya, hindi ko na alam kung ilang diyablo ang sasanib sa kanya kasama na si lucifer!!

But setting that aside....apart dun sa mga choices ko....kung may konti na kayong ipon, what would you like to do with that money in Pinas?

I think it is important sis. Yung annulment mo. Hindi mo masabi ang tao what will they be like in the future. Kung desperate, puede sya humawak sa patalim. Just be wary whatever property you buy, huwag mo na ipa co-sign hubby mo. Kasi mga condos alam ko parang they require spouse to co-sign.

As for my case, kung may konti akong naipon, I would like to bring my parents and if possible family if my siblings here. Of course assuming gusto nila. I'm tired of all the corruption and high taxation and crooked law there.

For me pinaka malaking pagkakamali ko siguro if I would turn back the clock is buying properties in Manila. I'm currently divesting na.

[belle_v2g]

*I'd buy a house here
*organise a tour for my parents
*will buy a condo unit in PH.

[freelancer_babe]

Having a house, a car, travelling, various bank accounts and investments are surely something that I'd do.

Pero kung meron pang konting ipon:

I'd help my parents sa payments nila doon sa real estate case nila. Kailangang mabawi namin ang lupa sa mga squatters. Hindi mapakinabangan eh.

I'd give donations. Help some relatives who are in need.

[manilenya]

If I have 600k extra money per year, I will put into stock market un first year or combination of MF and stocks.  But will have to make sure that I have 6 months worth of emergency fund and insurance

On the second year with the same amount of extra money plus the earning of my stocks/MF investment, I will buy a property that I can rent it out.

On the third year with the same amount of extra money plus the earning from my stocks and MF investments plus the earning from my property, I will start a business for my family in Phil where I can hire people and be overlooked by my immediate family.

On the fourth year with the same amount of extra money plus the earning from my stocks/MF plus earning from my property plus the earning from the business, I will start a bigger business that I will personally overlook.

On the fifth year with the same amount of extra money plus ALL the earnings from all my investments, property, businesses, then I will buy my own house and car in cold cash and return home