Because Ideas Change Lives
*This article contains affiliate links.
“Pay yourself first” or right after receiving your paycheck, take 10% of it for investing. Sound familiar? That was the classic money management tip from George S. Clason, the author of “The Richest Man in Babylon.” Originally published by 1926, the timeless personal finance tips that we can learn from the stories still hold value today.
*Note: The book is in public domain and you can search for it freely on the internet!
Isa ka sa pinakamagaling sa iyong industriya at sinuswelduhan kang mabuti sa trabahong ginagawa mo, pero nauubos ba agad ang iyong sahod pagkatanggap mo pa lang nito? Nahihirapan ka bang maghawak ng pera sa huling linggo bago ang susunod na sahod? Palagi mo bang inaabangan ang susunod na sweldo? Kung ganoon nga, malamang napapasobra ka sa paggastos ng pera. Matapos pag-aralan ang basics ng personal finance gaya ng pag-iipon at pag-invest at kung paano magbayad ng utang, ito ang anim na payo para maiwasan ang sobrang gastos at magtipid ng pera!
You’re one of the best in your industry and you’re paid well for your work, but does most of your salary disappear right as you receive it? Do you struggle with your finances the week before payday? Do you always eagerly anticipate your next paycheck? If so, you probably spend too much of your money somehow. After learning the basics of personal finance like saving and investing as well as how to pay off your bad debts here are six quick tips to avoid overspending and save more money!
Matapos kontrolin ang iyong paggastos, magbayad ng mga utang, at mag-ipon ng pera, ang susunod mong kailangang gawin para makamit ang financial freedom ay magsimulang mag-invest! Ano ang isa sa pinakamabuti at pinakapopular na investment ngayon? Stocks! Kung hindi mo pa napapag-aralan ito at kung gusto mong matutunan ang basics, may guide kami dito para sa iyo!
Isipin mo na, kasama ang siyam mong kaibigan, ginusto mong magsimula ng negosyo kaya kayong lahat ay nagbigay ng cash, kagamitan, materyales, at iba pa na nagkakahalaga ng P1,000. Sa negosyong iyon, kayong mga magkakaibigan ay nag-desisyon na pantay-pantay na maghati-hati ng kita at pagmamayari sa kumpanya. Sa ganoong sitwasyon, ang negosyo ay parang may 10 shares of stock at ang bawat isa sa inyo ay may ari ng isa.
Ang Stocks na minsa’y tinatawag na “shares” o “equities” ay nagsisimbolo ng hati ng pagmamay-ari ng isang kumpanya. Ang Stock Market naman ay ang lugar kung saan ang mga shares na ito ay binebenta at binibili. Kung halimbawa ang isang kumpanya ay naglabas ng 10,000 shares of stock outstanding at ikaw ay bumili ng 100 shares, ikaw ay magiging stockholder at magmamay-ari ka ng 1% ng kumpanyang iyon (100 ay 1% ng 10,000).
Gaya ng halimbawa sa itaas, kung stockholder ka ikaw ay nagmamay-ari ng bahagi ng assets ng kumpanya at ikaw rin ay minsan makakatanggap ng bahagi ng kinikita ng kumpanya na tinatawag na Dividends. Alalahanin mo din na ang ilang kumpanya ay hindi nagbibigay ng dividends at naipapasok lang nila ang kinikita nila sa kumpanya, kaya sa ganoong sitwasyon kikita ka ng pera kapag binenta mo ang shares na binili mo kapag tumaas ang presyo ng stock (capital appreciation) o kapag ikaw ay nag-short sell. [Read more…]
After controlling your expenses, paying back debts and saving money, the next step in your journey to financial freedom is to start investing! What’s one of the best and most common investment vehicles nowadays? Stocks! Now, if you haven’t had the time to study what stocks are and if you want to learn the basics, then we have a short guide for you right here!
Imagine you and nine of your friends want to start a business so you each equally contribute around P1,000 in cash, equipment, materials and more. In that business, you each decide to share the profits and ownership equally. In that scenario, it will be similar to the business having 10 shares of stock and each of you own one.
Stocks, which also called “shares” or “equities,” signify shares of ownership in a company. The Stock Market is the place where these shares are traded. If, for example, a certain company issues 10,000 shares of stock outstanding and you bought 100 shares, you become a stockholder and you own 1% of that company (100 is 1% of 10,000).
Like the example above, if you’re a stockholder you own part of the company’s assets AND you might also receive a part of the company’s profits in the form of Dividends. Some companies don’t give out dividends and simply reinvest earnings though, so in those cases you earn money when you sell them after the stock price goes up (capital appreciation) or when you perform a short sell. [Read more…]
