PMT Forum

News: Always Present! ka ba? Sign the JULY 2014 Attendance Sheet for at least 20 days this month and earn your Perfect Attendance award! :watchuthink:

Search Money Investments
Shortcut to PMT Forum topics!

Click LIKE, TWEET or +1 to earn PMT Badges!

Author Topic: ADVICE: Unionbank Large Cap Philippine Equity Fund?  (Read 11421 times)

Offline j_l

  • Junior Member
  • *
    • Awards
Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
« Reply #30 on: Apr 14, 2011, 11:08 AM »
  • Publish
  • I have a question ulit......
    Totoo ba na walang online account ang uitf ng unionbank, kasi sabi sakin wala raw, so hindi ko makikita yung performance ng investment ko, tapos hindi naman parating daily ang update ng prices nila sa website nila kaya baka hindi ko nalalaman nalulugi na pala ako, sabi kasi sa kin tingnan ko na lang raw sa website nila ang daily prices tapos i-multiply-multiply ko na lang para malaman ko ang gains or loses ko.

    Ang alam ko lahat ng banko meron online accounts for savings account with uitf. Tapos ang na-open ko lang na account is "placement account/settlement account" hindi pala yung e-wallet (savings account) na may access sa online banking at ang sabi kahit mag-open ako ng "saving account" ang makikita ko lang raw ay ang savings account ko hindi yung performance ng uitf ko. Sabi nila iba talaga ang settlement account sa savings account kaya naman kahit mag-open ako ng savings eh hindi pwedeng ma-link yon or ma-affiliated yon so may maintaing balance pa rin na kailangan (10,000).

    Nagtatanong ako kasi ang alam ko ay ang settlement account at savings account is treated as one tapos mali-link sya sa account ng uitf and then kahit wala ng laman ang suppose to be dual purpose na "savings/settlement account" ok lang kasi linked sila, parang wala ng maintaning balance(suspended muna)........kapag active parin ang uitf investment ko.

    Please help me guys, maslalo na yung may uitf rin sa unionbank..........

    Offline luranski

    • Senior Member
    • **
    • Gender: Male
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #31 on: Apr 14, 2011, 10:46 PM »
  • Publish
  • mahirap talaga online sa UITF. Yung BDO ko, updated naman. Kita mo agad yung gain or loss. =)

    I have BDO UITF and it performs well as of the 1st quarter.

    « Last Edit: Apr 15, 2011, 12:11 AM by FutureGizmo »

    Offline biginvestor123

    • Probie
    • *
    • Gender: Male
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #32 on: Apr 21, 2011, 10:43 PM »
  • Publish
  • Hi I have a question about Union Bank UITF. I opened an account large cap and they gave me a settlement account number and a UITF certificate, but no passbook or ATM. I was told that my signature is enough confirmation that I am the account holder. Is that correct? Sa mga may UITF sa Union bank, were you given an ATM or passbook for the settlement account?
    Please limit your signature to two lines, per forum rules. -Mod.

    PMT Forum

    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #32 on: Apr 21, 2011, 10:43 PM »


    * * * * * sponsored links * * * * *

    Offline FutureGizmo

    • Admin
    • *
    • Bazinga!
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #33 on: Apr 22, 2011, 07:48 AM »
  • Publish
  • @biginvestor123, please refrain from making multiple posts in separate threads. That is a violation of the forum rules. Your question has alreade been answered here: http://www.pinoymoneytalk.com/forum/index.php?topic=35129.0
    30,000+ fans on PMT Facebook page! Thank you!
    :b_hi: Click here to Like PMT on Facebook now!

    Offline ishkalafufu

    • Newbie
    • *
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #34 on: May 20, 2011, 06:02 PM »
  • Publish
  • This may be a bit off topic.. but this was the closest I could find.

    I inquired recently at a Unionbank branch regarding opening a UITF account. I was originally interested at the Large Cap and Peso Balanced Funds because both were (and still are, I think) performing seemingly well. They offered me a relatively new product (an UITF, I believe) which is very aggressive..it was some Growth Fund (or something like that) and it ws linked with some insurance company. I remember it was almost half invested in equities, and the other half in something similar..er... direct equities or something like that..but all the stocks chosen were mainly blue chip Philippine stocks..e.g. Meralco, Megaworld, Semirara, Aboitiz, etc. For a UITF started just last Feb., they were saying that they have confidence it will earn around 60+% by the end of the year (or some such thing).. and their minimum is 1M to open an account...

    Has anybody heard of this? I can't even find it on their website. Is this supposed to be some exclusive UITF for select clients...or whatnot? lol

    I say it was strongly aggressive because 80-90 percent was in equities and only around 10 percent was in moneymarket investments... though to be fair, it did not repulse me that much because personally, I am quite confident that the country will do well in the Aquino administration (at least in the next 3-5 years)... and regardless of the volatility of equities trading, if the government doesn't do anything stupid, or no natural calamities occur.. stocks give generally high rates of return when held for at least more than a year.. or two.., etc.

    So.. has anyone heard of this new Unionbank UITF/Insurance company linked investment product (Growth Fund..something)?

    Offline mjtfernandez

    • Posting Guru
    • ***
    • Gender: Male
    • Mark Fernandez, CPA, MDRT, RFC
    • Awards Member since 2010 Banking and Insurance Boss Investments Idol
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #35 on: May 20, 2011, 09:18 PM »
  • Publish
  • Banks have what they call Bancassurance in which the banks tie up with a Specific Insurance Company.

    For example, BPI ties up with Phil-Am
    RCBC with Sunlife
    BDO with Generali

    UnionBank is partially owned by Insular Life that is why it's bancassurance partner is Insular Life. The details of the growth fund is at the website of Insular Life that is why you can't find it in the website of UnionBank.

    Growth Fund is an addition to the existing funds of Insular Life. The existing ones are fixed,balanced and equity. Basically growth funds are invested in stocks that are called growth stocks as compared to blue chip stocks. You may check wikipedia about growth stocks to know more about it. Growth stocks in it simple sense has a higher potential for return though it is coined to be much more riskier than the regular blue chip stocks.

    Bancassurance products are no different from what Insurance companies offer however, some investors would be more concerned about investing in the premises of the four walls of the bank because they feel it is safer when in fact it is no different from what the Insurance Companies offer.

    The only thing is that your bancassurance officer is not as flexible as your insurance agent as they are required to be in the bank and you cannot call your bancassurance officer to go to your house/office. My take is a financial adviser from a qualified insurance company would be more "flexible".

    Hope this helps
    -------------------------

    Are you financially healthy? Take this short financial health checklist. Thanks!
    « Last Edit: May 20, 2011, 09:21 PM by mjtfernandez »
    Top Financial Advisor of Insular Life. Request for a FREE life insurance, health, investment quote online at my blog site at mjtfernandez.com

    Offline ishkalafufu

    • Newbie
    • *
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #36 on: May 20, 2011, 10:14 PM »
  • Publish
  • Oh I see. I checked the Insular Life webpage and it is indeed posted there. Considering that the Growth Fund is truly more aggressive than the Equity Fund, it is at least consoling that the Equity Fund seems to be doing pretty well: 180.08% since inception, YoY of 40.24%...

    It was only just a bit of a shock that their minimum was quite high, since I was pretty much used to the "common" 100k minimum of bank UITFs already. Despite its being partly handled by a Life Insurance Company, is it really as secure as a bank-managed UITF? By "secure" I don't mean as regular investment risk (since we all know equity investments are one of the riskiest out there), but more in line with, is it safe/reliable?


    (Like you said, most people generally tend to feel more secure handing over their money to banks rather than other companies out there, e.g. insurance, mutual fund, although these latter are also being "watched" by their own respective government bodies too, as banks are watched by the BSP...)

    Just another follow-up question: If I do decide to open an account with this Growth Fund (or any fund by the insurance company), does that mean I can still perform/handle future transactions with the bank instead of doing it directly with Insular Life, e.g. going to their offices, meeting with insurance agents, etc.? Does this merely make the bank a 3rd party broker to the transaction? What purpose then does the bank actually perform, besides make the client "feel secure" about transacting inside the 4 walls of a bank, i.e. 'psychological comfort'?"

    I'm really sorry for the unending questions, but this has gotten a bit more complicated for me since I originally expected a simple bank-managed UITF..  :hello:


    Thanks for the reply  by the way! :D

    « Last Edit: May 20, 2011, 10:23 PM by ishkalafufu »

    Offline mxherr5

    • Forum Jedi
    • ****
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #37 on: May 21, 2011, 06:27 AM »
  • Publish
  • I think that's insular's VRA? Correct me if I'm wrong Mark.

    The minimum is high because it has no premium charges,
    other VULs(That's what a VRA is btw) have premium charges.

    But as far as I know the minimum is only 475k and not 1M

    Well, consider that no insurance company has left their policy
    holders hanging yet as the IC is very strict(as per all the
    agents I spoke to) All insurance companies that closed shop
    were required to sell their block of business to bigger insurance
    companies.

    Compare that to numerous bank failures.

    Offline mjtfernandez

    • Posting Guru
    • ***
    • Gender: Male
    • Mark Fernandez, CPA, MDRT, RFC
    • Awards Member since 2010 Banking and Insurance Boss Investments Idol
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #38 on: May 21, 2011, 11:26 AM »
  • Publish
  • Insurance companies have their own regulatory body. The banks are regulated by the Banko Sentral ng Pilipinas while insurance companies are being regulated by the Insurance Commission as to reserve requirements and capitalization and other risk management requirements. I cannot tell you which one is more secure because I would be inkling to one. However, if you search the internet you cannot find an insurance company unable to pay any legal claim whilst you can find banks closing like the recent banko filipino. Also, PDIC is actually an insurance company too.

    As to insular life, 100 years and turning 101 this year. And if you want to do your homework, you can compute the debt to asset ratio of insurance companies to determine their solvency.

    Bancassurance officers are in truth insurance agents. There is no major difference. They are however employees of the bank they are with. You still have to transact with Insular Life with your growth fund. Insular Life has an online customer portal for your insurances and investments. Also, it also has a 24/7 customer service call center if you want to know your fund value just call 876-1800.

    If you want more info of the growth fund and what stocks comprise, I can send you an email.

    Hope this helps.


    Post Merge: May 21, 2011, 11:30 AM
    Yes mxherr5, its VRA and the fund is called growth fund. Yes, the minimum is 475k but I don't know what is the minimum for bancassurance officers. Maybe it is indeed 1M.

    It is a VUL product yet it has no front loading charge. It has an insurance component of 125% of your investment.

    The benefit is that if you die and your fund value dropped from P1M to lets say 600k, then your family will receive 1.25M not the 600k. Also it is an insurance product so it is not subject to the 20% estate tax.

    By the way, are you aware of a website like ICAP.com.ph that is for VUL funds? VUL is considered an insurance product though it contains an investment component so it is governed by the Insurance Commission and not the SEC. Thus the insurance code not the securities regulation code. That is the reason it is not in ICAP.com.ph
    « Last Edit: May 21, 2011, 11:37 AM by mjtfernandez »
    Top Financial Advisor of Insular Life. Request for a FREE life insurance, health, investment quote online at my blog site at mjtfernandez.com

    Offline ishkalafufu

    • Newbie
    • *
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #39 on: May 21, 2011, 07:56 PM »
  • Publish
  • Wow, thanks for the replies guys!

    Your posts were quite informative. In any case, in investing naman, the minimum amount (or invested amount) does not matter so much in the sense that whatever capital you do decide to invest, the profit you gain will always be in the percent size of the profit.. the bigger the investment, the bigger the gain, etc.. so it can work for or against you, depending on whether you gained or lost.

    The absence of the estate tax must be that little point that my bank officer was also trying to stress. haha I think it was mentioned in passing that some high net worth people chose this form of investment because they avoid the tax part.. All I can say is.. it is legal after all, so why not di ba?

    Also, I think I get your points about the stability of insurance companies.. it's just that I wanted that little bit of reassurance there somewhere..  :D

     

    Online GoodSteward

    • Awesome Member
    • *****
    • Awards Member of the Month Member since 2008 PMT Lounge Addict Banking and Insurance Boss Investments Idol Stocks Superstar Chikador / Chikadora
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #40 on: Jul 01, 2011, 09:03 PM »
  • Publish
  • hi guys,
    i am just wondering kung ano ang difference ng: "bid", "offer", "mid/last" (different pricing ito ng NAVpU) and how can this affect your investment. Kasi ganito ang pricing ng NAVpU sa unionbank, sa mismong website nila. Does "offer" mean yung mismo ang basehan or talagang offer na price tapos ang bid ay kung maramihan ka bumili or kung gusto mo ng discount.......... ah basta naguguluhan ako minsan iniisip parang exchange rate ang datingan kung saan yung mid/last ang ibigsabihin ay huling presyo ng palitan ng currency....... Sa BDO wala namang ganito at isa lang basis nila or pricing nila.

    Kaka-invest ko lang kasi sa Large Cap kahapon at pag nagtatanong ako yung "offer" na NAVpU ang binibigay sakin iniisip ko tuloy lugi ako kasi yung "offer" ang pinakamataas na price compared to "mid/last" and "bid". Iniisip ko kasi sa mga humihingi lang ng discount or maramihan bumili ng units ang "bid" price, e hello 100,000 naman kaya ang minimum participation & dati pa talaga ang basehan ko ay yung mid/last kasi iyon ang refference ng "uitf.com" kaya naman parang feeling ko nalugi ako kasi ine-expect ko na sa "mid/last" ko siya mabibili na masmababa ng konti sa pricing ng "offer".

    Please enlighten me guys......Thnx in advance!

    Bad trip!!! Paid the price for not inquiring enough before placing at their Philippine bond fund!!

    One of he major reasons why i prefer UITF over mutual fund is because i hate...no, i disgust sales load.

    Tapos sumabit pa ako dito. I can say na etong union bank uitf lang ang may "slaes load-in effect", hidden pa. 

    Tama po kayo, j_l, nagulat ako when I saw on my certificate today na ang ginamit nilang navpu ay yun offer price, kala ko din yun last navpu ang gagamitin.

    Tapos  when redeeming, here is how you compute it, from their website:

    How do investors keep track of the value of the UITF investment?
    Units x Bid Price = Market Value of Investment

    So that's their purpose....Bid price is lower than offer price. In effect, pagplace ko palang, talo na ako. My 190,000k placement is only valued at around 188,600.

    Hayy.....just hope its performance will at least be at par or even better than my suki BDO uitf...

    Offline mxherr5

    • Forum Jedi
    • ****
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #41 on: Jul 02, 2011, 10:12 PM »
  • Publish
  • Awww, I feel your pain sir. I share your distaste for any kind of sales load or pseudo sales load. Double whammy kasi you were not informed. Its not even clear in their site that they have a spread.

    Only when I checked the performance history did I see a bid mid and offer price.

    Well, they do have better performances than others so lets hope
    that overcomes the "sales load" that you paid

    Online GoodSteward

    • Awesome Member
    • *****
    • Awards Member of the Month Member since 2008 PMT Lounge Addict Banking and Insurance Boss Investments Idol Stocks Superstar Chikador / Chikadora
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #42 on: Jul 04, 2011, 06:01 PM »
  • Publish
  • mxherr5, ya , true, and for their performance, which Navpu ang basis nila? do they use the LAST NAVPU and not BID or OFFER Navpu?  I should drop by sa branch to clarify...

    Offline mxherr5

    • Forum Jedi
    • ****
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #43 on: Jul 06, 2011, 11:07 AM »
  • Publish
  • Ang alam ko yung mid ang nirereport nila sa uitf.com as their NAV.
    Yun daw ang true NAV nila.

    Offline mdejess

    • Posting Specialist
    • **
    • Awards Member since 2007
      • Awards
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #44 on: Dec 29, 2012, 03:25 PM »
  • Publish
  • I have read this whole thread, and I just think I have to point out the author's inaccuracy about money market and Union Large Cap fund.

    See texts in enlarged bold font in the quote below.

    Hi,

    I currently have around P200k in savings and I want to start investing in the money market for a period of 1-1.5 years for now. The Unionbank Large Cap UITF interests me (opening balance of P100k) because of it's performance over the last 2 years especially. I'm hesitant about investing in it because the price of it is so high right now and I'm scared of it dropping.

    Any advice on what I should do?


    Unless he means by money market broadly as all the various uitf funds.

    Quote
    TRUST & INVESTMENTS
    Products

    Phil Peso Bond
    Phil Dollar Bond
    Peso Balanced
    Large Cap
    Peso Money Market
    Long Term Current Income
    Current Income (T-Bill 91)
    Infinity Prime
    Tax Exempt

    ============

    Downloads
    FAQs
    Requirements
    Tools
    Suitability Assessment
    Goal Planner
    Contact Us


    http://www.unionbankph.com/index.php?option=com_content&view=article&id=975&Itemid=72
    Quote
       

    Main Page | Products | Requirements | FAQs | Downloads | Tools | Contact Us

    The Bank currently manages nine funds for its retail and corporate clients – Phil Peso Bond, Phil Dollar Bond, Peso Balanced Fund, Large Cap, Peso Money Market, Long Term Current Income, Current Income (T-Bill 91), Infinity Prime and Tax Exempt.

    Fund   Date   Bid   Offer   Last
    Phil Peso Bond   2012-12-28   224.947048   225.859690   225.340260
    Phil Dollar Bond   2012-12-28   1.913403   1.930778   1.922090
    Peso Balanced Fund   2012-12-28   130.001188   130.895228   130.391014
    Large Cap   2012-12-28   619.603895   630.409677   626.159780
    Peso Money Market   2012-12-28   126.929560   127.016226   126.994212
    Long Term Current Income   2012-12-28   116.864026   117.436818   117.135844
    Current Income (T-Bill 91)   2012-12-28   141.321980   141.518935   141.348650
    Infinity Prime   2012-12-28   144.915853   145.096731   144.971669
    Tax Exempt   2012-12-28   158.545265   159.557319   159.042789
     
    http://www.unionbankph.com/index.php?option=com_content&view=article&id=1034&Itemid=69


    Please forgive me for this nitpick on precision with vocabulary.

    But I am learning more and more about investments, thanks to this website/forum.



    Mdejess

    PMT Forum

    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #44 on: Dec 29, 2012, 03:25 PM »
    * * * * * sponsored links * * * * *

     

    Related Topics

      Subject / Started by Replies Last post
    16 Replies
    4422 Views
    Last post Dec 23, 2012, 01:04 AM
    by personalfinanceapprentice
    398 Replies
    21820 Views
    Last post Dec 14, 2013, 10:30 PM
    by mxherr5
    3 Replies
    722 Views
    Last post Sep 03, 2013, 06:56 AM
    by VeneurlArgent
    15 Replies
    2078 Views
    Last post Dec 03, 2013, 12:15 AM
    by Wadup


    * Recent Topics

    * PMT Shoutbox

    Refresh History
    • dugie: hello po sa mga trader dyan, tanong ko lang po kung bakit di na gumagana ticker ng broker kong firstmetrosec e updated naman ung java ko?
      Yesterday at 10:50 AM
    • jpm247: http://newsinfo.inquirer.net/622080/protests-mount-vs-aquino
      Jul 22, 2014, 11:53 AM
    • Wills: Link is not working
      Jul 22, 2014, 09:06 AM
    • superxfactor: sir Wills, ano po possible effect nito sa market price nya?link--https://ph6.colfinancial.com/ape/FINAL2_STARTER/xml/CompanyNews_nw.asp?varStock=sino&varNewsLink=327986
      Jul 21, 2014, 08:26 PM
    • sj.unite: george88, mukhang nakulangan ka ng comma diyan sa sentence mo. :P
      Jul 21, 2014, 08:24 AM
    • kiriyama: iba ung dating nung unang mga words "bestinpalawan yung asawa ng insan ko"  :hihi:
      Jul 20, 2014, 01:37 PM
    • george88: bestinpalawan yung asawa ng insan ko taga palawan y o y
      Jul 17, 2014, 08:23 PM
    • bestinpalawan: sino taga palawan dito???  ^_^
      Jul 16, 2014, 01:16 PM
    • Beannie: Ms. Kithe! :) sorry now lang naka ol uli.. I sent you mail. thanks for being so accomodating.  :hello:
      Jul 16, 2014, 12:50 PM
    • jmces: ingat kayo mga kapatid sa pinas
      Jul 16, 2014, 09:29 AM
    • yllor: Wednesday: no trading :harhar:
      Jul 16, 2014, 04:52 AM
    • Wills: Ang sarap sa zensho!!!!!
      Jul 15, 2014, 05:03 PM
    • kithe: Hi Beannie,
      Jul 15, 2014, 02:14 PM
    • ManilaBoy40: Tropical Cyclone Storm Warning Signal # 2 Now Hoisted Over the NCR Areas ...
      Jul 15, 2014, 02:05 PM
    • moto461: Germany beats Argentina 1-0 in World Cup final :winner:
      Jul 14, 2014, 05:40 AM
    • OMG.27: Israel already entered war in Gaza.. Muslim people are already insane for the bombardments in the Middle East. They didnt notice what is happening in Syria nowadays.
      Jul 13, 2014, 07:31 PM
    • Wills: http://m.youtube.com/watch?v=UnNsCmJuwro <------ Amazing!
      Jul 12, 2014, 11:15 AM
    • yoj77: thanks will.. sana sumagot na ung knausap ko... pray pray pray...
      Jul 12, 2014, 06:49 AM
    • yoj77: i'm totally stranger here. my family cud possibly help me nxt year pa. ayaw kong mtambkan ng utang. dpat my pumapasok na daily income, to cover for xpenses, and d the same time, cover paying depts.
      Jul 12, 2014, 06:46 AM
    • yoj77: salamat wills. pero kailangan ko lang laksan ang loob ko. ung interest na dnagdag ko, not too much, not too short. pnag icpan at pagaralan ko, but the question i guess, is there someone to trustme? cguro totally WALA.
      Jul 12, 2014, 06:40 AM
    • Wills: kaya sana pagisipan mong mabuti ang mga bagay na iyan... para hindi ka magkaproblema balang araw.
      Jul 11, 2014, 10:50 PM
    • Wills: sa ganyang stage ng buhay natin ay maraming problema na pwedeng sumurpresa saiyo.... maganda ang iyong hangarin at ang gusto mo lang naman ay magprovide sa pamilya mo
      Jul 11, 2014, 10:49 PM
    • Wills: Hi yoj77, ingat ka lang dahil masyadong malaki ang interest na hahabulin mo. If anything goes bad how would you handle disappointments? may anak ka pa naman and since you said "2kids" I assume they are young and you're young also
      Jul 11, 2014, 10:47 PM
    • yoj77: 200/15mos pra may returns monthlu... naisip ko lang po, kc makaahon man lang.. may 3schools kx sa subd namin, at ung iva nagpaparint narin saken... kulang na kulang ako to survive
      Jul 11, 2014, 10:12 PM
    • yoj77: sis here po. i'm a mom of 2kids... 9mos resogned, wla na mhanap yaya... kya balik ko nlang viz ko dati, need ko lng dagdagan ng rental
      Jul 11, 2014, 10:05 PM
    • yoj77: magcomputer cafe ako dito sa haus, para mas kumita, wla ng renta
      Jul 11, 2014, 09:55 PM
    • yoj77: compute ko lang po un
      Jul 11, 2014, 09:52 PM
    • yoj77: hindi ako qualified sa bank, kc unemploed na. homebased na ako working. printing services..
      Jul 11, 2014, 09:47 PM
    • VeneurlArgent: parang dr*gs yung business niya ang bilis ng return.  :D
      Jul 11, 2014, 07:13 PM
    • jmces: utang ka sa bangko kung kaya mo gawin 200k ang 150k kayang kaya m bayaran ang interest D
      Jul 11, 2014, 05:22 PM
    • VeneurlArgent: sir yoj77 magkano po return kung sakali invest ko sa inyo 1M ko? =)
      Jul 11, 2014, 05:11 PM
    • katkatmachine: wow! 50k agad ang return kay yoj77 in just a matter of 15 months! guys! mag-invest na tayo sa kanya! surebol returns oh! :D
      Jul 11, 2014, 04:59 PM
    • yoj77: hellppppp... :D magbusiness po ako.. kasi super kulang na kulang income...
      Jul 11, 2014, 02:44 PM
    • yoj77: hello guys, sino pwedeng magpainvest saken money.. wahhhh.... 150k gawin ko 200K 15mos to pay.. :D
      Jul 11, 2014, 02:42 PM
    • erica25: hi po
      Jul 11, 2014, 12:35 PM
    • spidermannn: anyone got news about LBC ? IPO or any?
      Jul 11, 2014, 04:40 AM
    • lyn.dorry: Hello
      Jul 10, 2014, 11:25 PM
    • arvy271: :hello:
      Jul 10, 2014, 10:22 PM
    • arvy271: hi po sa lahat ng tambay dito
      Jul 10, 2014, 09:59 PM
    • george88: @vicces what kind of help are you referring... Can you please enlighten
      Jul 10, 2014, 07:21 PM
    • kithe: @rds, di ka ba nagfb? join na din kayo.. ;)
      Jul 10, 2014, 03:40 PM
    • kithe: hi katkat.. :)
      Jul 10, 2014, 03:37 PM
    • rds: @kithe - eto nakikisawsaw na lang minsan sa usapan ng iba. how's TAP doing? i believe your members' doing great!
      Jul 10, 2014, 02:21 PM
    • katkatmachine: anjan ka pa po ba miss kithe?
      Jul 10, 2014, 02:01 PM
    • kithe: @rds, nawala ako ng matagal dito sa pmt, kamusta na kayo dito?
      Jul 10, 2014, 01:02 PM
    • rds: @agapanthus - that means tayo na ang bida!
      Jul 10, 2014, 12:41 PM
    • rds: anything to say kithe?
      Jul 10, 2014, 12:40 PM
    • kithe: :hello:
      Jul 10, 2014, 12:22 PM
    • bajoyjoy: GoodSteward: alisan na prospera, ff, miko, and from the one of it, vicces... :)  Ill catch you around vicces!! <<<< GS, is that true?!? wait, what happened? what?!
      Jul 10, 2014, 10:43 AM
    • agapanthus: nag-aalisan na sila, so ibig bang sabihin into, bear market na?
      Jul 10, 2014, 07:30 AM
     
     
    Welcome, Guest. Please login or register.
    Did you miss your activation email?

    * Must-Read Topics!

    * Active Posters Today

    pulubing_palaboy
    3 Posts
    Market_Market
    1 Posts
    Homeboy Homeboy
    1 Posts

    * Vote in this Poll Now!

    • Who would you vote for as President in 2016?
    • Dot Kris Aquino
    • 6 (6%)
    • Dot Jejomar Binay
    • 6 (6%)
    • Dot Alan Peter Cayetano
    • 6 (6%)
    • Dot Chiz Escudero
    • 4 (4%)
    • Dot Ping Lacson
    • 7 (7%)
    • Dot Bongbong Marcos
    • 8 (8%)
    • Dot Grace Poe
    • 13 (13%)
    • Dot Bong Revilla
    • 0 (0%)
    • Dot Mar Roxas
    • 6 (6%)
    • Dot Miriam Santiago
    • 35 (36%)
    • Dot Others
    • 5 (5%)
    • Total Members Voted: 96
    • View Topic

    * PinoyMoneyTalk.com

    * SPAM-free PMT!

    Help clean up the PMT Forum by reporting spam posts, troll messages, PM solicitation, or any other problem posts or members! Click the "Report to moderator" link at the bottom of every post.
    BloQcs design by Bloc
    SMF 2.0.4 | SMF © 2013, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.5 © 2008-2012, SimplePortal