As business owners, we keep a keen eye on our expenses, especially when the company is concerned. We try to make sure there are protocols and systems in place to ensure that our company remains profitable for an extended period of time. Unfortunately, we can’t manage everything and account for all circumstances, and sometimes we don’t notice the existence of bad business funds. It’s important to realize however that these funds aren’t always “bad.” In fact, here are some key ways to turn bad business funds into profits.
30 Pinakamahalagang Payo Tungkol sa Pera na Kailangan Mong Matutunan Ngayon
English Version (Click Here)
Gustuhin mo man o hindi, mahalaga ang pera sa buhay natin ngayon. Kung gusto mong mabuhay at umasenso sa panahon ngayon. kailangan mong matutunang gamitin ang pera ng mabuti. Kung pangarap mong yumaman, narito ang 30 na payo tungkol sa paghahawak ng pera na kailangan mong matutunan ngayon.
30 Pinakamahalagang Payo Tungkol sa Pera na Kailangan Mong Matutunan Ngayon
1. Alamin mo ang iyong kalagayang pinansyal. Masagana ka ba at mayroong ilang libong nakainvest sa mabubuting negosyo at assets, o nabaon ka ba ng ilang daang libo sa utang? Hindi mo masosolusyonan ang iyong mga problema kapag hindi mo aaminin kung may problema ka pala, at hindi mo mahahanap ang mga oportunidad para umunlad kapag hindi mo sila hahanapin.
2. Gamitin mo ang pinakamabuting paraan para makaipon ng pera: “Pay yourself first!” (Ang idea dito ay “mag-ipon muna”) (Maglagay ka muna ng pera sa ipon bago gumastos.)
3. “It’s not how much you earn, but how much you keep.” (Hindi lang sa kinikita kundi pati na rin sa naiipon.) Walang kwenta ang mataas na sweldo kapag isinugal o winalgas mo lang ito sa mga mamahaling kagamitan na hindi mo naman kailangan.
4. Mag-ipon ka para sa mga oportunidad at emergencies. Ang ipon na ito ay pwedeng maging capital para sa iyong negosyong naisip itayo, o perang magagamit kapag nawalan ka bigla ng trabaho.
5. Iwasan mo ang sobrang pangungutang.
No one can be happy, no matter how optimistic, who is forever in the clutches of poverty, of harassing debt.
— Orison Swett Marden
(Walang magiging masaya, gaano man kaganda ang pananaw nila sa buhay, kapag sila ay habang buhay nabaon sa kahirapan, at mapang-aping utang.)
30 Most Valuable Personal Money Management Tips You Must Learn NOW
Tagalog Version (Click Here)
Like it or not, money is an important part of modern life. If you want to survive and do well in today’s world, you have to learn to use it wisely. If you want to become financially well off, then here are 30 awesome personal finance tips that you have to learn now.
30 Most Valuable Personal Finance Tips You Must Learn NOW
1. Know your financial standing. Are you financially stable with thousands invested in good businesses and assets, or are you thousands in bad debt? You can’t solve problems if you don’t acknowledge that there is a problem, and you can’t find opportunities to improve on if you don’t start searching for them.
2. Use the number 1 money saving technique: “Pay yourself first!” (Save money first before you start spending).
3. “It’s not how much you earn, but how much you keep.” Having a high salary won’t matter at all if you gamble it all away or waste it all buying expensive junk that you don’t need.
4. Establish a savings fund for opportunities or emergencies. It can be your initial capital for a business idea, or a cash buffer if you suddenly lose your job.
No one can be happy, no matter how optimistic, who is forever in the clutches of poverty, of harassing debt.
— Orison Swett Marden
Listahan ng Mutual Funds sa Pilipinas
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Minsan bumibisita ako sa mga Pinoy personal finance forums at madalas magtanong ang mga baguhan tungkol sa kung saan nila dapat ilagay ang kanilang pera. Marami ang nagpapayo na maginvest sila sa mutual funds, at kung ang baguhang investor ay may kagustuhang mag-aral, mga stocks/equities ng mga kumpanya. Pag may nagpayo na maginvest sa mga funds, ang madalas na susunod na tanong ay anong fund ang dapat nilang piliin. Doon ko naisipang ilista dito ang mga financial companies na may mutual funds (kasama ETF and UITF).
Heto ang maikli at hindi pa kumpletong listahan ng mutual funds sa Pilipinas. Kung may nakaligtaan ako, pakisabi na lang. Sa kung alin man sa mga funds na ito ang nararapat para sa iyo, ito ay magdedepende sa iyong investment objectives o gustong makamit, kung gaano mo kayang sikmurain ang risk o volatility, edad at kinikita, at marami pang iba.
- High Risk, High Potential Returns: Equity funds o funds na nagiinvest sa stocks. Mainam ito para sa mga mas batang investors na gusto ng pagkakataong kumita ng malaki.
- Medium Risk and Potential Returns: Balanced funds na nagiinvest sa stocks pati na rin sa mga fixed income securities (bonds), cash, money market, atbp.
- Low Risk and Low Potential Returns: Bond o Fixed Income Funds. Ito at ang mga money market funds sa ibaba ay madalas nararapat sa mga mas matatanda na nangangailangan ng stabilidad sa kanilang investment portfolio.
- Lowest Risk, Lowest Potential Returns: Money Market Funds.
Babala: Dapat basahin mo ang objectives o istratehiya ng fund at ang prospectus nito. Ang ilang funds ay mayroong kakaibang investing strategies at ibang detalye na mainam na malaman mo.
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List of Mutual Funds in the Philippines
Tagalog Version (Click Here)
I sometimes visit Philippine personal finance forums and beginners usually ask where should they invest their money. Most people would suggest mutual funds, and if the newbie investor is willing to put in the time to study, individual company stocks/equities. After someone suggests investing in funds, the usual question after that is which specific fund should they choose. That is why I decided to compile the financial companies with mutual fund (including ETF and UITF) offerings on this article.
Here’s a short and still incomplete list of mutual funds in the Philippines. If I forgot some, please don’t hesitate to tell me. As for whichever one of these funds are right for you, that will depend on your investment objectives, risk tolerance, age and income, and more.
- High Risk, High Potential Returns: Equity funds or funds that invest mostly in stocks. This is better for younger people who wish to maximize their potential earnings.
- Medium Risk and Potential Returns: Balanced funds that invest in stocks as well as fixed income securities (bonds), cash, money market, etc.
- Low Risk and Low Potential Returns: Bond or Fixed Income Funds. These and the money market funds below are recommended for older people who need more stability in their investment portfolio.
- Lowest Risk, Lowest Potential Returns: Money Market Funds
Note: Remember to read the fund objectives and prospectus. Some funds have unusual investing strategies and other details you might need to be aware of.
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