Sino ba naman ang magaakala, diba? Sino ang makakaisip (bukod kay Bill Gates) na magkakaroon ng ganito kalalang pandemya na pipigil sa ilang mga bansa, magpapalugi ng libo libong negosyo, at mawawalan ng trabaho at hanapbuhay ang milyon milyon.
Habang nagbigay ng suporta ang gubyerno ng Pilipinas sa mga hindi makapaghanapbuhay gamit ang ilang social amelioration programs (SAP o “ayuda”), sa kasamaang palad, madalas hindi ito sapat.
Sa ngayon, kahit nagbalik na ang ilang negosyo dahil sa general community quarantine (GCQ) ngayong Hunyo, mukhang hindi pa rin nagflaflatten ang curve at marami pa rin ang hindi makapaghanapbuhay, tulad ng mga jeepney at bus drivers, atbp. Hindi rin ganoon karami ang mga tao sa labas at karamihan sa mga maliliit na negosyo na nakikita ko ay naghihirap ngayon. Marami rin ang nagsarado na nang tuluyan.
Sino nga ba naman ang magaakala na mangyayari ito, di ba? Ako hindi ko rin inakala.
May dahilan kung bakit palaging sinasabi ng mga personal finance instructors na mag-ipon ka ng isang “emergency fund”, at ipinakita nitong pandemic o pandemyang ito kung bakit.[Read more…]
Who knew, right? Who could have predicted (aside from Bill Gates) that such a wide-scale pandemic would paralyze entire countries, leave thousands of businesses bankrupt and millions without a job or income.
While the Philippine government have tried to support people who have not had any income during the quarantine with some social amelioration programs (SAP, locally called “ayuda”), unfortunately, it was not really enough.
While some businesses restarted during the general community quarantine (GCQ) in June, the curve does not seem to have flattened at all and there are still a lot of people unable to return to work, such as Jeepney and bus drivers, etc. There’s also not a lot of people around and most small businesses I see seem to be struggling. Many have also closed permanently.
It’s a sad reality.
Who knew something like this would happen, right? I certainly didn’t.
There’s a reason why a lot of personal finance instructors tell people to save up an “emergency fund”, and this pandemic showed us exactly why.[Read more…]
Ang librong The Richest Man in Babylon ni George S. Clason ay ang isa sa pinakapopular na libro tungkol sa pera at personal finance at irerekomenda ko ito. Buti na lang, ito’y itinuturing nasa public domain kaya medyo madali nang makahanap ng libreng digital na kopya nito online.
Sa palagay ko, ang isa sa pinakamabuting katangian ng librong iyon ay kahit na ito’y tungkol sa isang komplikadong paksa tulad ng paghahawak ng pera o money management, gumagamit ito ng mga simpleng kuwento para ituro ang napakaraming mahahalagang aral tungkol sa pagyaman at pag-asenso. Ang isang mahalagang kabanata dito ay tungkol sa “five laws of gold” o ang limang batas ng pera. Ang limang payo na iyon ang tatalakayin natin dito, kaya ipagpatuloy mo lang ang pagbabasa upang matutunan mo ang mga ito![Read more…]
George S. Clason’s The Richest Man in Babylon is one of the most popular money and personal finance books out there, and I’d definitely recommend it to you. Fortunately, people consider it to be public domain so it should be easy to find some digital copies online for free.
In my opinion, one of the best things about the book is that although it’s about a complicated topic like money management, it uses simple stories to teach several valuable lessons about wealth. One very important chapter is about the “five laws of gold”. Those five tips about money are what we’ll talk about here, so keep reading to learn more![Read more…]
*Article contributed by James R.
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Bitcoin was created in 2009 by an anonymous developer named “Satoshi Nakamoto” and was the first and original crypto currency. Bitcoin allows people to send and receive funds without intermediaries. As such, it is a decentralized payment system. The network is neither controlled by a single person or authority nor supported by a central bank. Instead, transactions are checked by a community called miners, who use their computing power to confirm the movement of “funds”. According to CoinsSpent in return, miners are rewarded with an additional Bitcoin for their contributions to the network.[Read more…]