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Poll: How much is your Net Worth (in pesos)?

akshay · 108 · 53896

Poll

How much is your Net Worth (in pesos)?

Below PHP 1M
PHP 1M - 5M
PHP 5M - 10M
PHP 10M - 30M
PHP 30M - 50M
Above PHP 50M

akshay

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As a follow-up to the thread Magkano income n'yo in one month?, I think someone's net worth is a better assessment of their financial capacity than how much someone earns since it's not how much you make but how much you save, keep and have. Therefore I post this poll.

Net worth = Assets - Liabilities.
« Last Edit: Feb 03, 2013, 09:42 PM by FutureGizmo »


mlangseth

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over 10M (modesty aside) excluding my primary residence in the USA AND Pinas, excluding my assets in the USA (kasi joint acct with my hubby).
No liability in Pinas.
Very little liability in the USA. Mortgage to be paid off in 2 years.



litb

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jcr

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Hmmm.... tingin ko dapat bnabaan mo pa yung lower limit... like below 500K... etc...


allanmm13

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I don't think changing the range will affect the interest of voters for this poll.

There are possible reasons why many people can't decide:

- can't determine his true net worth
- can't determine what is an asset or liability

Looking forward, if your net worth is <1m, time to work out a realistic goal for next 1-3yrs to raise it >1m.



jcr

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Hmm... the reason why I say na babaan ang range is... I believe, yung may net worth na 1M-2M, more or less nagstart na yan sa mag-invest... higher than that, mejo savvy na ang mga yan... so there's really not much difference...

if you consider <1M as one group.. that would mean that a person with a net worth of 800K (may be someone who owns a house already na tnatapos lang ang bayad, but more or less knows what he is doing with his money) is in the same group with someone who has a networth of Php5000 (someone who has not started yet with his investments)... or even someone who has a networth of -10K!

Anyway, if the poll is how much millions do millionaires have.. yeah, it should be fine..


workoshore

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I don't think changing the range will affect the interest of voters for this poll.
There are possible reasons why many people can't decide:
- can't determine his true net worth
- can't determine what is an asset or liability
Looking forward, if your net worth is <1m, time to work out a realistic goal for next 1-3yrs to raise it >1m.


see the link for some guidelines... :watchuthink:
http://blogs.inquirer.net/moneysmarts/2008/11/19/what%e2%80%99s-your-worth/

here's another I've read years ago...

Net Worth
Your net worth is your total assets minus your total liabilities or debts.

Assets may be broken down into the following: cash, financial investments, and fixed assets. Cash would include current accounts, time deposits, foreign exchange, life insurance, and retirement funds. Financial investments cover equities, bonds, mutual funds, and pension funds. Fixed assets would include real estate, including your own home, vehicles, jewelry, and equity in a business, equipment, and art.

Liabilities could be broken down into short-term and long-term obligations. Short-term liabilities are debts such as utility bills and monthly credit card payments that can be repaid within the year. Long-term liabilities such as bank loans and mortgage payments take more than a year to repay.

As your wealth grows, it becomes harder to make an exact calculation of your net worth because many of your investments will fluctuate in value. Knowing your net worth is important for asset allocation and long-term planning so you only need to calculate it once or twice a year or when you are making a major financial decision.

List your assets, such as your home, at their current market value and show any related debts such as a mortgage debt under the liabilities heading. It is important for you to know how to value your assets. For real estate and equipment, you can engage the services of an appraiser. There are, however, acceptable shortcuts such as the going price of real estate in the vicinity of your property. There are also professionals who can appraise the value of art works and jewelry. Stock prices may be estimated, using the latest market costs, which you can get from the business section of local newspapers.

If you hold assets not just in pesos but in other currencies such as the American dollar, note the currency in which they are denominated and their current value in pesos.

If your net worth is low or negative, there is no need to despair. Your net worth is not your score in the game of life; it is just a measure of how far you have progressed in building your wealth up to this point in time.

Now that you have obtained a realistic picture of your financial position, you can start making positive plans for the future.

cheers... :cool2:



kermit208

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isent your net worth total in assets.That you can use as cash or borrow on as cash. Say house is worth 1 million but bank will only lend you 600,000 then that asset is only worth 600,000  same with car you might pay 1 million but as soon as you drive it its only worth say 800,000 so value is 800,000 going down every year. so your house asset might go up every year but your car might go down


tyronesolee

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Waahhhh, malapit na ako sa 1M goal ko next year!  :applause:

As of now below pa ako e.  :hihi:


leela

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i'm trying to determine my net worth. confused lang ako sa ibang parts. how do i put the value of my condo unit? do i put in the 500K pag-ibig loan as liabilities? how do i know the current market value of my unit?


workoshore

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^check mo zonal values for approximate lang, para meron ka idea...see link...
http://www.bir.gov.ph/zonalvalues/zonalvalues.htm
cheers... :cool2:


richpulubi

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i'm trying to determine my net worth. confused lang ako sa ibang parts. how do i put the value of my condo unit? do i put in the 500K pag-ibig loan as liabilities? how do i know the current market value of my unit?


Just do Colayco's method.  Buy classified ads, find out how much a unit goes in your building, and subtract your pag-ibig debt.  THAT is your asset in that condo.


yojmg

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hypothetical lang po, meron po ako mamanahin from my parents, commercial building worth P20M, if lima kami siblings, i can say that from this meron ako na net worth of, say P4M?


richpulubi

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hypothetical lang po, meron po ako mamanahin from my parents, commercial building worth P20M, if lima kami siblings, i can say that from this meron ako na net worth of, say P4M?


Depende kung nakapangalan sa inyo yung building!  Kung wala sa Will ng parents mo, you have to bear in mind that if one of your parents dies, half the building is to the parent still alive. So, technically, you have roughly 2M(actually less).

Your parents can also choose to put it in ONLY one of your siblings' name.  Swerte mo na lang kung ikaw yun!

But, if your parents are still alive, that building is still officially not your asset.


yojmg

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nakapangalan na po sa aming 5 yung titulo, deed of donation ginawa ni ermat


richpulubi

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Eh di congrats!!! ASSET MO NA YUN!!!(balato naman!)


yojmg

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Shaun

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leela

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nakapangalan na po sa aming 5 yung titulo, deed of donation ginawa ni ermat


pano yung deed of donation? may binabayarang taxes ba yun?


Ageo

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Amberthe

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Bp22estafa

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richpulubi

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nel

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 :think:di alam?baka kasi ang hirap bilangin  :rofl: sir richpulubi at Bp22estafa, likayo help ko kayo magbilang...burger lang katapat ko  :yehey:



mbd

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 march08 pa ako last nagcheck...end of the yr. na pero march09 pa ako due magcheck ng net worth ko kaya hold ko muna ito hanggang march 09 hehehe... para isang kwenta n.


kcmendoza

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asset : 3 commercial stall, 2 house, 7 unit apartment and cash in bank 100k total asset 7M
liabilities: pagibig loan/bank loan in abroad/ bank loan in phil total liabilities 4M
net worth: 3M


nemo1207

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Malamang negative pa net worth ko, sana within 3 to 5 years mag positive na...  :boxing:


jjalfonso1

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Whoa.  Way to resurrect an old thread.    :)

Assets: 
* 8 million cash or cash equivalents (short term bonds).
* 16 million in paper investments (stock and bond mutual funds).

Liabilities:
* 1.6 million student loan.
* Gastadora wife.   >:(



DonT

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Wow, revived after 4 years. I'm not sure its a good idea posting networth in public forums. Well, in reality...nobody can really be certain if the figures here are under or over estimated.

at the end, i'm not sure what value this thread brings to the forum.


nemo1207

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I think this is just for the sake of entertainment... this is just for me... :harhar:


kimerran

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vhinsent08

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vhinsent08

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sphinxz

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^ then paano if may liability ang parents mo, can you count it as your liability too? or pwede din nila ipamana sa isang anak lang ang liability. Swerte mo if di ikaw yun :D


chiechay79

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1M palang...last time ko sinagot tong tanong na to is few months ago...mabuti naman sumampa na ko sa 1M

sana magtuloy tuloy kung walang planong mag travel ulit.

nakaka inspire mga net worth ng mga pmt'ers!!


pilyong_husband

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xyphrus

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I believe that my net worth next year will surpass the 1M mark.. (not bad for a guy in his mid 20's) :)
« Last Edit: Apr 26, 2013, 02:03 PM by xyphrus »


xyphrus

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By the way, nako-considered na ba as a millionaire ang isang individual kung 1 million na ang net worth nya? Or kelangan meron sya mismong one million in cash para masabing millionaire? Just curious..

And another question, kung halimbawa may car ako na installment ko kinuha, let say worth 1M pero ang nababayaran ko palang is 500k. Kung ang value na lang ng car ko sa market is 700k, then ang computation nun is (700k - 500k).. so bali ang worth nun is 200k. Tama ba? TIA..
« Last Edit: Apr 26, 2013, 02:17 PM by xyphrus »


Quiz

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Is a million pesos even a barometer to consider? 23k USD lang yan kung tutusin di ba?


330 M in the next 5 months  ....














and 800 years :D

yun o may sipa!
« Last Edit: May 08, 2013, 03:37 PM by Quiz »


mackymilby

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This would be correct.

By the way, nako-considered na ba as a millionaire ang isang individual kung 1 million na ang net worth nya? Or kelangan meron sya mismong one million in cash para masabing millionaire? Just curious..

And another question, kung halimbawa may car ako na installment ko kinuha, let say worth 1M pero ang nababayaran ko palang is 500k. Kung ang value na lang ng car ko sa market is 700k, then ang computation nun is (700k - 500k).. so bali ang worth nun is 200k. Tama ba? TIA..

My net worth is around 200K. Just started saving and investing some 8 months ago. No unpaid balances. Only 24 years old though, still got a lot of time left.  :D


IGX

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Congratulations mackymilby, continue on living a frugal live.  When I was 23 I earned my first M, but I was too giving to my friends and family and my hobby, so until I was 34 I still had only 1M.

I hope that would be a lesson to yourself and to many your age.


loveleona

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 :hihi: I wish I knew the exact amount of my worth pero mahirap hulaan kasi madami pa akong debts



Uchiha27

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Uchiha27

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By the way, nako-considered na ba as a millionaire ang isang individual kung 1 million na ang net worth nya? Or kelangan meron sya mismong one million in cash para masabing millionaire? Just curious..

And another question, kung halimbawa may car ako na installment ko kinuha, let say worth 1M pero ang nababayaran ko palang is 500k. Kung ang value na lang ng car ko sa market is 700k, then ang computation nun is (700k - 500k).. so bali ang worth nun is 200k. Tama ba? TIA..

Yes ! Your computation is correct bro . Networth is  Personal Assets - Personal Liabilities  .  Anyway I must commend you for nearing the 1 M mark in your mid20s . Im in my mid20s but Im not near the 500 K mark yet . sigh . What did you do to achieve that amount of money ? Do you work abroad o dito lang sa Pinas ?


Uchiha27

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^ then paano if may liability ang parents mo, can you count it as your liability too? or pwede din nila ipamana sa isang anak lang ang liability. Swerte mo if di ikaw yun :D

Nope . Networth is Personal Assets - Personal Liabilities . As far as I know debt is extinguished upon the death of the debtor but creditors gets the right to settle against his estate  so hindi pwede mamana ng mga anak yung debt ng parents nila . Yun nga lang baka  wala na silang manahin .


xyphrus

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Yes ! Your computation is correct bro . Networth is  Personal Assets - Personal Liabilities  .  Anyway I must commend you for nearing the 1 M mark in your mid20s . Im in my mid20s but Im not near the 500 K mark yet . sigh . What did you do to achieve that amount of money ? Do you work abroad o dito lang sa Pinas ?

Work lang dito sa Pinas, and a lot sideline business. :) Siguro hilig ko lang talaga mag-negosyo. Then, last quarter of 2011 na ako nagka-knowledge about investing. So isa-isa ko na syang pinasok, magmula time deposit, to mutual funds, stocks, and now I'm about to enter real estate na rin. I'm very thankful that God is giving me the knowledge kung paano paiikutin ang pera na hawak ko, and for giving me the right mind set as well. Kahit noon pa ayoko na talaga na nag-aakasaya lang ng pera, at ayoko din ng may utang. So if you will combine all of this, success will be the result. :) 

Just don't forget lang to thank the Lord kase mahirap umasa sa sarili lang nating diskarte. Hindi tayo pwedeng magmayabang sa pera at mga ari-arian natin dahil anytime pwedeng mawala sa atin yan at bawiin.


xyphrus

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By the way, what if nagre-rent ka ng bahay, kasama din ba sya sa liabilities mo? If yes, paano ang computation nun? 1 month rent x 12 ba, para 1 year? TIA..


SirZap

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well ang rent is part of your expenses, kumbaga mga bayarin na hindi naman napupunta sa assets. like food, electricity, travels, gas, etc. so hindi sya kasama.
kasi kung binabayaran mo mortgage, or monthly payments sa bahay na eventually magiging iyo, then pwede mong isama kasi ang binabayaran mo is part ng asset.


Norman

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I have a host of properties placed by my parents under my name valued at around 35M. But i'm still in college, and personally, I'm only worth just a little under 2M haha


jjalfonso1

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I have a host of properties placed by my parents under my name

What was the rationale for that?


xyphrus

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well ang rent is part of your expenses, kumbaga mga bayarin na hindi naman napupunta sa assets. like food, electricity, travels, gas, etc. so hindi sya kasama.
kasi kung binabayaran mo mortgage, or monthly payments sa bahay na eventually magiging iyo, then pwede mong isama kasi ang binabayaran mo is part ng asset.

I see. Thanks SirZap.. :)


katkatmachine

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sana babaan na lang ang lower limit. andun ako sa may bandang baba eh. hehe

pero nakakadepress naman to. ang daming 1m-5m. ilang taon na po ba kayo? hindi ba  proportional naman sa age ang net worth natin. the older you are syempre the higher your net worth is.  :D

i'm only 23 so okay lang naman siguro mababa pa ang net worth ko.

syet! jinujustify ko lang ang kahirapan ko.  :hihi:
« Last Edit: Jul 31, 2013, 03:50 PM by katkatmachine »


INDO

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compute compute din pag may time :)

nasa range ako ng 5M - 10M  :harhar:


jmces

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compute compute din pag may time :)

nasa range ako ng 5M - 10M  :harhar:

nabayaran mo na ba BIR?HAHAHAHA  :rakenrol:


INDO

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nabayaran mo na ba BIR?HAHAHAHA  :rakenrol:

exempted daw ako sa pag file ng ITR kasi OFW  :hihi:

yearly naman ako nagbabayad ng real property tax, di na siguro ako habulin ng BIR, isa pa hindi ako sikat (mahiyain pa nga ako) at isang hamak na mamamayan lang ako :)
« Last Edit: Dec 13, 2013, 09:07 AM by INDO »


jmces

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exempted daw ako mag file ng ITR kasi OFW  :hihi:

yearly naman ako nagbabayad ng real property tax, di na siguro ako habulin ng BIR, isa pa hindi ako sikat (mahiyain pa nga ako)  :)

hahahha :D


regor

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compute compute din pag may time :)

nasa range ako ng 5M - 10M  :harhar:

Wow boss INDO dakoa gud datu gyud diay ka noh? :d


vicces

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INDO

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Wow boss INDO dakoa gud datu gyud diay ka noh? :d

oo bai, membro ko sa mga datu... datu-puti  :hihi: :hihi:



chinito77

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sana babaan na lang ang lower limit. andun ako sa may bandang baba eh. hehe

pero nakakadepress naman to. ang daming 1m-5m. ilang taon na po ba kayo? hindi ba  proportional naman sa age ang net worth natin. the older you are syempre the higher your net worth is.  :D

i'm only 23 so okay lang naman siguro mababa pa ang net worth ko.

syet! jinujustify ko lang ang kahirapan ko.  :hihi:

It depends.. like me may minana ako.. so may lead advantage ako as compare sa start from scratch. my net worth is a little bit under 4m pesos.

Honestly ah.. for me a millionaire standard must be $1million USD.. 43million php.

1m pesos is just more than enough to buy a car.

After a car not much will be left for you to live a standard of living of a true millionaire.



newbie_buboy

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It depends.. like me may minana ako.. so may lead advantage ako as compare sa start from scratch. my net worth is a little bit under 4m pesos.

Honestly ah.. for me a millionaire standard must be $1million USD.. 43million php.

1m pesos is just more than enough to buy a car.

After a car not much will be left for you to live a standard of living of a true millionaire.

sir wala na ba parents mo at ikaw lang ang anak nila? sa akin kasi hindi ko iniisip na may mamanahin ako. malakas pa parents ko saka parang gusto ko na lang ibigay sa mga kamaganak nila ung ari arian na maiiiwan nila kasi okay naman ako nakatapos naman ako ng maayos at malaki naman kinikita ko. parang hindi ko naman kelangan ung maiiwan nila. mas kelangan ng ibang kamaganak ng parents ko hindi kasi sila pinalad ng magandang trabaho tulad ko.

sa topic naman. parang mababa pa net worth ko kahit na may tatlong sasakyan na ako isang house and lot, dalawang condo, mga lote atbp. puro utang kasi hihihi. asa lang talaga ako sa future income ko.  :rakenrol:


chinito77

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sir wala na ba parents mo at ikaw lang ang anak nila? sa akin kasi hindi ko iniisip na may mamanahin ako. malakas pa parents ko saka parang gusto ko na lang ibigay sa mga kamaganak nila ung ari arian na maiiiwan nila kasi okay naman ako nakatapos naman ako ng maayos at malaki naman kinikita ko. parang hindi ko naman kelangan ung maiiwan nila. mas kelangan ng ibang kamaganak ng parents ko hindi kasi sila pinalad ng magandang trabaho tulad ko.

sa topic naman. parang mababa pa net worth ko kahit na may tatlong sasakyan na ako isang house and lot, dalawang condo, mga lote atbp. puro utang kasi hihihi. asa lang talaga ako sa future income ko.  :rakenrol:

Wala na po mom ko,  :hihi: Kasama ko pa po dad ko at kapatid ko.  :hihi:

Per gusto ba ng magulang mo ibigay sa iba ang pamana nila? Syempre sa anak pa din nila mas nais itong ibigay. So nasa sa iyong mga kamay na kung sa paanong paraan mo nais silang tulungan pag nawala magulang mo. :yoohoo:

With regards sa utang ok lang yun. Tandaan niyo po wag lang mag over leverage..  :hihi:


newbie_buboy

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Wala na po mom ko,  :hihi: Kasama ko pa po dad ko at kapatid ko.  :hihi:

Per gusto ba ng magulang mo ibigay sa iba ang pamana nila? Syempre sa anak pa din nila mas nais itong ibigay. So nasa sa iyong mga kamay na kung sa paanong paraan mo nais silang tulungan pag nawala magulang mo. :yoohoo:

With regards sa utang ok lang yun. Tandaan niyo po wag lang mag over leverage..  :hihi:

hindi ko naman kelangan ung ipapamana nila. sapat na sa akin ung pinag aral nila ako sa magandang school. hehehe. madalas ko nga sabihin sa kanila na ubusin na nila ung pera nila sa banko, para mapakinabangan nila ung pinaghirapan nila ng maraming taon.


ikaela

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^Buti kung kaya ng mga kamag-anak mo na palaguin o kahit i-maintain man lang yung mga ari-arian ng mga magulang mo, kung ibibigay mo nga sa kanila. Pero kadalasan, ang mga kamag-anak na hindi gaanong pinalad sa buhay e hindi ganun ka-financially literate. Baka ending niyan eh ibebenta na lang lahat, tapos kapag wala na, baka umasa pa sayo. Hindi ko kilala mga kamag-anak mo; sana 'wag naman ganun ang mangyari sayo, sa kanila, at sa mga pinaghirapan ng mga magulang mo.


chinito77

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^Buti kung kaya ng mga kamag-anak mo na palaguin o kahit i-maintain man lang yung mga ari-arian ng mga magulang mo, kung ibibigay mo nga sa kanila. Pero kadalasan, ang mga kamag-anak na hindi gaanong pinalad sa buhay e hindi ganun ka-financially literate. Baka ending niyan eh ibebenta na lang lahat, tapos kapag wala na, baka umasa pa sayo. Hindi ko kilala mga kamag-anak mo; sana 'wag naman ganun ang mangyari sayo, sa kanila, at sa mga pinaghirapan ng mga magulang mo.

hindi ko naman kelangan ung ipapamana nila. sapat na sa akin ung pinag aral nila ako sa magandang school. hehehe. madalas ko nga sabihin sa kanila na ubusin na nila ung pera nila sa banko, para mapakinabangan nila ung pinaghirapan nila ng maraming taon.

Tama po kayo, madalas yung hindi gaano mapera ay hindi din marunong humawak ng pera...

Panu ba i compute ang worth ng isang business? Mahirap kasi i compute pag small scale business eh.. Usually base sa shareholders equity lang right?  :watchuthink:


wilch23

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Sana di makita ni Kim tong PMT. Baka mamaya pati OFW may income tax na rin!


 


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