[argeltibs]

Did you know that...

...only 4.6% of income-earning Filipinos spend less than what they earned?

...PhP200 is the average emergency savings of a common Juan dela Cruz?

...only less than 1% of households in Metro Manila own investments other than their lousy bank accounts?

Check out the Revelations in this Infographic: http://www.argeltiburcio.com/2012/05/shocking-truth-about-how-filipinos-save.html

[allanmm13]

The stats are shocking but are you willing to be part of the stats of Pinoy or will you find a way to be separated ? 

[argeltibs]

Good question, I pray that those who will read this strive to be part of the 4.6% who spent less than what they earned and invested the surplus in better-than-inflation investment vehicles

[spidermannn]

mga pards,,, meaning pede pa tumaas ang market capital kagaya ng col,, kase konte palang ang nagiinvest...may malaking market pa....

parang insurance konte palang ang premium holder.... un e kung magiging financial literate cla...
Post Merge: Jun 06, 2012, 01:52 AMand i see this as opportunity,,, see that? meaning malayo pa ang pede marateng ng finance industries sa bansa specially sa banking sector...

 kaso kelangan mag doble kayod ang media and education para mapromote ang trading and financial literacy...

opportunity din to...

[argeltibs]

may subject na ba na equal or close to "Financial Literacy"? Gawa tayo!

[vhinsent08]

bakit dika ituro sa school yan!!!

[spidermannn]

may subject na ba na equal or close to "Financial Literacy"? Gawa tayo!

Post Merge: Jun 13, 2012, 03:51 AMun lng... kung pede nga lng na yung mga nasa bahay lang pede naman mag aral ng investment ...kesa nag

totong it,, bingo or pinag kukuwentuhan si kris aquino o si aling dionisya.... baket di nalang sila mag aral mag trade or mag invest, or mag skul sila, seminar diba...

kaso di patok sa masa ung ganyang subject...financial.... hay naku mahal kong pinas....
Post Merge: Jun 13, 2012, 04:15 AMadd ko lng to..

MMK ...hahahaha

http://www.thelongestwayhome.com/blog/philippines-journal/how-much-does-a-person-from-the-philippines-earn/

i also use  "tulak kariton" nung 11 yrs old ako...tumatakas ako sa haws,,, and nangongolekta ng bote dyaryo...and im proud of it...

i think ung family relationship for filipinos are so strong, khit hirap na mas gusto nila sama sama....khit ako,, nacocompare ko padin ung time na sama sama kame kumakaen ng tuyo , masya un moment,,, but now asensado mga kapatid ko...abroad na kame lahat kanya kanyang bansa,, pero malungkot,, sobrang mis ko ung hatian sa tuyo..

siguro ung comfort sa family,,, isang factor un why filipinos still poor.. I'm just lucky napaglabanan namen ung ganitong values..

[Bp22estafa]

I'm not surprise with the stats at all. Just make an observation within your work, circle of friends & within your neighborhood. Only a few has actual savings let alone investments. Marami ang may utang sa creditcard, sa kumpanya, bale sa sweldo at utang sa bumbay.

Financial seminars are not targeting the masses especially those marketing certain financial products. Class A & B target Nila kasi alam Nila andyan ang pera.

Hindi dadami mga sanglaan at loan sharks if most people aren't spending more than they can earn.

Ang dapat iredicate sa mindset ng mga pinoys ay yung bahala na or bahala na ang Diyos na system. Saka yung defense mechanism that shut off any new idea or concept you are trying to make them aware of.

The masses doesn't like to think much let alone plan for their future. May sabay silang bigyan ng trabaho, iutos step by step ang dapat gawin at bayaran sila sa ginawang trabaho. Hirap na hirap silang makawala sa kulturang kinalakihan Nila at nakagawian na. Somethng radical should happen to wake them up from their ignorance & free them from it's deadly trap.

[jenxent]

may subject na ba na equal or close to "Financial Literacy"? Gawa tayo!

bibihra lang ang my alam nito kung sino pa ang mas my kaya yun pa ang mas nkaka.alam...kung panay mn nka.internet puro fb at dota naman ang ina.atupag...sad to say pero obserbahan niyo sa mga net cafe,yang kasi nkikita ko sa net cafe ng hipag ko,kahit hipag ko nga hindi rin alam kahit itong site nato...anyways marami rin naman sa ngayon ang gustong matutong mg.invet...

[lemreyes]

Clicked the link but I couldn't see the infographic.

[regor]

I think all people is just designed in different ways, beliefs and behaviuors kasi kung susumahin kung ang lahat ng tao pare-pareho ang pag-iisip, sa sitwasyong ito, kung ang iba gustong mag invest sa busineses paano lalago ang isang business kung wala ang mga taong hangdang gumasta na katulad nila? aminin man natin o hindi ay may mga taong kumukita o nakikinabang sa kamangmangan nila pagdating sa pinansyal. I think it's all about a matter of choice kung ano talaga ang gusto mo. Kung gusto mong yumaman then learn how money works for you and kung gusto mong middle class lang then learn how to work for money and buy things that can satisfy your emotion. If you want to be poor and yet hapy then maintain your good relationship to your family and find your own source of income even if kakarampot lang.

[stockbreaker]

Sadly, most of the pinoys are financial illiterate. Educational Institutions taught their students on how to become an employee not to become an investor. This is the reality... and we can't deny this fact.

[spidermannn]

Sadly, most of the pinoys are financial illiterate. Educational Institutions taught their students on how to become an employee not to become an investor. This is the reality... and we can't deny this fact.

Post Merge: Jun 14, 2012, 07:14 PM tama ka...halos lahat ng kasama ko dito sa UAE.. wlang alam na investment kungdi ung haws nila, ala din insurance... and kung sino man dito ang may investment, mostly is farm/ agriculture..the rest umaasa sa pay check...

pero ask mo sila,, halos lahat may loan....pag nag ask ka kung ano ang stocks... zero talaga sila,, ako lng ang gumagawa ng investment sa stocks dito... bat  ganun ang pinoy.

[jenxent]

Post Merge: Jun 14, 2012, 07:14 PM tama ka...halos lahat ng kasama ko dito sa UAE.. wlang alam na investment kungdi ung haws nila, ala din insurance... and kung sino man dito ang may investment, mostly is farm/ agriculture..the rest umaasa sa pay check...

pero ask mo sila,, halos lahat may loan....pag nag ask ka kung ano ang stocks... zero talaga sila,, ako lng ang gumagawa ng investment sa stocks dito... bat  ganun ang pinoy.

tumpak sir,yung mga kasamahan korin sa saudi ganun din ang situation,dream talaga nilang magkaroon ng malaking bahay at magtrabaho sa labas ng bansa hanggang tumanda..ok lang sana kong nka.pagpundar ng mga paupahang bahay,o my stable at kumikitang negosyo,para sa ganun pagmag for good na sa pinas ayos na...

[rds]

Post Merge: Jun 14, 2012, 07:14 PM tama ka...halos lahat ng kasama ko dito sa UAE.. wlang alam na investment kungdi ung haws nila, ala din insurance... and kung sino man dito ang may investment, mostly is farm/ agriculture..the rest umaasa sa pay check...

pero ask mo sila,, halos lahat may loan....pag nag ask ka kung ano ang stocks... zero talaga sila,, ako lng ang gumagawa ng investment sa stocks dito... bat  ganun ang pinoy.

1. for OFW's, farm/agriculture is not the best investment, but it is much better than nothing.
2. for OFW's to spend most of their income for a big house in the phils is not good, yet this is still much better than those OFWs (and their family) who spent all their income in luxury and vices, and his/her family still renting a house in the phils.
3. to claim that ikaw lang talaga OFW sa UAE ang nag-iinvest ng stocks, hindi naman siguro, may mga iilan pa rin tayo dito sa UAE.