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Newbie OFW

tinandkate · 21 · 3057

tinandkate

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on: Aug 07, 2014, 08:24 PM
Hello everyone,  dahil sa pag research and study  about investing, I saw this forum and happy so much since and dami kong nababasa from different kind of persons but at the end of the day only one goal, that is to INVEST. :-)


vhinsent08

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Reply #1 on: Aug 08, 2014, 04:37 PM
first survival tip :
 
1. DO NOT TAKE A LOAN IF YOU DON'T HAVE ANY GOOD PLAN LAYOUT FOR THAT MONEY.

2. DO NOT TAKE CREDIT CARD AND BUY THAT "IN " THINGY.

3. EVERY SALARY SAVE  UP 10% OF THE SALARY AND AFTER THAT YOU WILL SAY TO YOURSELF " WHY I DID NOT SAVE 50%?"

4. INVEST AND DIVERSIFY KUNG DI KA PA TALAGA EXPERT SA ISANG INVESTMENT PLATFORM.


OMG.27

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Reply #2 on: Aug 08, 2014, 07:37 PM
Develop first the Habit of Savings and Living Below Your Means. That's the very basic foundation of investing and everything else will follows.....


TulogSaPancitan

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Reply #3 on: Aug 10, 2014, 02:57 AM
Most Ofw commits the financial mortal sin of greatly upgrading their lifestyles. Kaya karamihan tumanda na sa abroad at meron lang kaunting ipon. Even know someone who plan to retire next yr with just 2M in savings plus the sss. That's a goner for sure. The moment you receive that first salary of yours from working overseas think hard about your retirement. Unless gusto mo maging pabigat din sa mga anak mo at mga anak mo naman mag ofw, cycle starts over. My advise is cut your paycheck in half. The half is used for living expenses. You may go crazy to your heart's content. The other half should be saved for emergency fund, at least 6 to12 months expenses. After that invest in paper assets. Don't buy a house yet. If you need to buy a house make sure you have cash for full payment and that house is half only of your net worth. Final advise,  manage your family's expenses yourself. Don't trust your wife to be a good steward, harsh but true in most cases. And never ever give to your relatives money. Buy small gifts instead. No cash unless life/death situation. Once you give cash, you are obligated to give forever. Good luck!


DonT

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Reply #4 on: Aug 10, 2014, 06:02 AM
^+1

Begin with the end in mind. ask yourself kailan at paano ba magtatapos ang pagiging ofw mo.  You may need to invest also on yourself so that when you are back in the phils, you can either get employed for a better position or be an entrepreneur.


gogoypmt

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Reply #5 on: Aug 10, 2014, 09:12 AM
Another Tips :)

1. Wag na wag matukso at kumabit o magkalaguyo. Magastos na, nagkasala ka pa, 100x pa ang Karma. Kung si misis naman ang gumawa nyan, iwan mo na :). Andyan naman si Mary Palm.

2. Kung bagong OFW ka palang, sa unang Taon/Contract mo, Save save save. Tska na Gadgets or luho. Di mo sure kung ma renew ka eh o tatagal pa. 

3. Wag mainggit sa malaki ang Sweldo, baka mas malaki pa ang Savings mo sa kanila :)


ferrariEverest

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Reply #6 on: Aug 10, 2014, 11:35 AM
2. Kung bagong OFW ka palang, sa unang Taon/Contract mo, Save save save. Tska na Gadgets or luho. Di mo sure kung ma renew ka eh o tatagal pa. 
Bakit sa una lang? Dapat tuloy tuloy.


Wills

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Reply #7 on: Aug 10, 2014, 12:36 PM
Another Tips :)

1. Wag na wag matukso at kumabit o magkalaguyo. Magastos na, nagkasala ka pa, 100x pa ang Karma. Kung si misis naman ang gumawa nyan, iwan mo na :). Andyan naman si Mary Palm.

2. Kung bagong OFW ka palang, sa unang Taon/Contract mo, Save save save. Tska na Gadgets or luho. Di mo sure kung ma renew ka eh o tatagal pa. 

3. Wag mainggit sa malaki ang Sweldo, baka mas malaki pa ang Savings mo sa kanila :)

I like the way you think gogoy! Though ferrari is right.


MuchasGrasa

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Reply #8 on: Aug 11, 2014, 01:03 PM
Another Tips :)

1. Wag na wag matukso at kumabit o magkalaguyo. Magastos na, nagkasala ka pa, 100x pa ang Karma. Kung si misis naman ang gumawa nyan, iwan mo na :). Andyan naman si Mary Palm.

2. Kung bagong OFW ka palang, sa unang Taon/Contract mo, Save save save. Tska na Gadgets or luho. Di mo sure kung ma renew ka eh o tatagal pa. 

3. Wag mainggit sa malaki ang Sweldo, baka mas malaki pa ang Savings mo sa kanila :)

I couldn't agree more. Ang daming mga kapwa OFW ang nalulong sa tukso at gadgets dito. Kaya ang bagsak baon sa utang sa banko.


LiveLoveInvest

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Reply #9 on: Sep 02, 2014, 11:18 AM
Invest in:

1. Paper Investments
2. Property Investments
3. Businesses ( passive income )

 :D


OMG.27

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Reply #10 on: Sep 02, 2014, 03:28 PM
Don't Jump in to an Investment if you don't know.. Be careful of the crocs in the Philippines. They are there to wait, lure and hunt ignorant people for money. Especially in the Government lines of agencies. Make sure you have connections and bountiful money if you will engage in business to our country so called Fee-lippines... I am not try to scare something in here, that is based in my experience, and I think, every ones experience... MHO...


 


LiveLoveInvest

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Reply #11 on: Sep 02, 2014, 05:14 PM
Tama! Wag maniwala sa mga "too good to be true" Investments  :bahalaka:


sirjay

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Reply #12 on: Sep 03, 2014, 03:31 PM
Tama! Wag maniwala sa mga "too good to be true" Investments  :bahalaka:

Very much this. I've known a few people na bumagsak dahil naniwala sila na magkaka xx amount of money ka in xx months.


hello_glaiza

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Reply #13 on: Sep 03, 2014, 04:43 PM
Hello, I just joined PMT forum today :) :thankyou:
« Last Edit: Sep 03, 2014, 11:38 PM by hello_glaiza »


expatsasg

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Reply #14 on: Sep 03, 2014, 10:25 PM
newbie padin ba ang 4years na?  :hihi:

I wasn't good in handling money before. What i mean wasn't good is ipon lang sa bank yung alam ko.
And maige din naman kase yun pala yung magiging emergency fund ko  :D
And now medyo financially literate na.





 


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