Sunday, September 27, 2020

MGA DAPAT GAWIN BAGO MAKIPAG RELASYON

September 27, 2020 0 Comments

 





Mga hindi dapat gawin ng isagng lalaki kapag naka in a rationship na. 


1. Respect each other. Dapat alam mo kung saan ka lulugar kung ang sinasamahan mo ay isang kaibigan dapat magpaka kaibgan ka.


2. Be insensitive. Dapat alam mo kung ano ang mararamdaman ng partner mo kung sakaling yumayakap ka sa iba. May tamang pag comfort sa kaibigan hindi yung mag sasabi ka pa ng mga sweet talks. 


3. Be honest. Don’t hide be true to your feelings. Kapag may nararamdaman ka or kinikimkim kang sama ng loob sa partner mo dapat di kayo matutulog ng hindi nyo pinag uusapan.


4. Communicate. Kahit na nabusy sa mga kanya kanyang trabaho huwag kakalimutan na mag usap importante yan sa isang relasyon.


5. Take time for each other. Huwag ninyong hahayaan na mawala ang oras sa isat isa hindi excuse ang pagiging busy dahil lang sa trabaho. 


6. Be matured enough. Palage nilang sinasabi nasa edad daw minsan kelangan unawain ang mga bagay bagay. 


7. Do not bring others to it. Kapag magkaaway kayo huwag mong isasama ang ibang tao. Pwede ka din magiskandalo sa harap ng madaming tao. Kasi once na may nasabi kang hindi maganda sa partner mo maiisip yan ng mga ibang tao na nakarinig tapos makikita nila okay na kayo ulit. Dapat build up each other. 


8. Find Common ground. Kahit na magkaiba kayo ng kinahihiligan at gusto dapat isa isip nyo na magkarelasyon na kayo kelangan makapag adjust sa mga gusto ng isa ay sya ding gagawin ng isa. Mag build up kayo ng good memories para sa mahabang pagsasama.


9. Compromise. Give and take dapat sa isang relasyon huwag magpataasan ng ihi. 


10. Don’t be a nagger. Don’t show hatred or anger. Alam naten na tayo ay tao lamang pero once na gumawa ka ng isang bagay or nakapag bitaw ka ng masasakit na salit kaylanman hindi mo na un maibabalik pa kaya be careful kapag galit ka keep your mouth shot. 


11. Don’t try to change the other people or the one you love or partner. Kung talagang mahal mo sya dapat tatanggapin mo kung ano man sya.


12. Never give up. Kung talagang mahal ko yung tao na yun dapat hindi ka mag aatubiling magbigay ng second chance kapag gumawa ng mali.


13. Keep your promises. Alam naten na mahirap ito tuparin pero once na nangako ka dapat mo ibigay ang pinaka best mo. 











Tuesday, September 15, 2020

SABOTAHE SA MANILA BAY!!!

September 15, 2020 0 Comments

 



According to the study, the current rehabilitation of manila bay could cause health issues for those suffering from hypocrisy and having a crab mentality, it will also cause growing jealousy among the supporters of the previous administration.



Maraming may ayaw sa pag papatuloy na pagandahin ng DENR ang Manila Bay. Kung inyong titingnan sa larawan ang Manila Bay noong panahon administrasyong Nonoy Aquino. Walang artistang naglakas-loob na mag ngakngak at murahin ang bugok na administrasyon ni BS Aquino. Wala ring Dilawan na nag ingay dito. Ang larawan na makikita ay isa lamang sa nagpapatunay na malaking problema ang punong puno ng basura sa dalampasigan ng Manila Bay.





Ngayon naman na pinapaganda at nilinis ng Administrasyong  Duterte, Marami ng nakisawsaw at nakikialam kahit na matagal ng plano ito at may nakalagak na pondo para dito. Ang larawan sa baba ay ang pinaka latest na ngyayari ngayon sa Manila Bay.


 

Ang larawan sa baba ay ang plano o magiging itsura pagkatapos ng project sa Manila Bay.



Monday, September 14, 2020

PAANO KUMITA SA STOCK MARKET?

September 14, 2020 0 Comments

 



PAANO NGA BA KUMIKITA SA STOCK MARKET?


1. Capital Appreciations or Capital Gains - Ito ay profits or tubo na kinita mo kapag binenta mo ang iyong shares of stocks sa mas mataas na presyo kesa noong binili mo pa lang ito. Halimbawa kapag ikaw ay may sari sari store bumibili ka ng producto sa mababang halaga at binibenta mo ito ng mataas na halaga ito yung basic concept na buy low sell high. The question is “ Can I buy at high price?” sure you can kapag nakikita mo na may possibilidad na mas tumaas pa ang presyo neto dito papasok ang demand and supply. The more na mas ginugusto o tumatangkilik at mas kinakailangan ng tao ung bagay na yun halimbawa is mask and alcohol kasi pandemic mas lalo syang nagmamahal o mas lalong tumataas ang presyo neto dahil nagiiba eto sa normal na supply. ganyan din sa stock market the more na mas marami pang nabili maraming volume mas lalo pang tumataas ang price action neto. Paano ba macompute ng Capital appreciation or kung ilang percent ang kinita mo eto ang formula.


 (Selling Price - Buying Price)/ Buying Price x 100 = Capital Gains Yield


Huwag mangamba kasi kahit mismong ako mahina sa math haha sa broker naka indicate na dun automatically kung ilang percent ang kinita mo. Tandaan na may 1.19% fees na ibabawas sa bawat sell and buy naten sa bawat broker matic na bawas agad yan.


Isa ding dahilang kung bakit tumaas ang price ng shares of stock ay ang magandang kita ng isang corporation. Para maging updated kayo sa kitaan ng bawat stock kindly check ang PSE EDGE lahat ng stock jan naglalabas ng report.


Minsan ung rumor ng isang kumpanya na isa sya sa magiging third telco player ng Pilipinas. Halimbawa ay ang ISM na DITO na ngayon Due to anticipation one of the 3rd telco player gumagalaw na yung share price nya from October 2018 almost 3 pesos ang price nya after the awarding Nov 8 lalong umakayat by 8.30 pesos.


2. DIVIDENDS

Kapag ang company kumita, isa sa mga directors neto mag decide para sa portions ng bawat stockholders at tayo yun.


Mayroong 3 uri ng Dividends


1. Cash dividends - once na kumita ang company pwede syang magbigay ng portion sa mga stockholder neto ng cash.


2. Stock dividend instead of giving out money the company can give stock shares of stock to its stock holder


3. Property dividends for example you have trading and tandem company and meron syang subsidiary company na ang pangalan ay ph highlights company pwedeng ibigay ni trading in tandem ung shares of stock ni company ph highlights sa kanyang mga stock holder gingawa yan mostly kasi ung subsidiary company nila hindi kasama sa listing ng PSE so once na binigay nila yan 1 or 2 years biglang papasok ang bagong stock . example ay ang APVI


Take note: not all companies pay dividend. Why company give dividends paying out dividends is a sign of stability and strength. 


Kapag mas matagal ng nakakapag bigay ng dividend ang company ibig sabihin ay mas stable na at mas malakas mas matatag na ang kumpanya.


ANO NGA BA ANG STOCK MARKET at PAANO KUMIKITA DITO?

September 14, 2020 0 Comments



ANO NGA BA ANG STOCK MARKET at PAANO KUMIKITA DITO?


Everytime na naririnig naten ang word na STOCK MARKET we always jump ahead of ourselves we think about many complicated things such as Technical Analysis, blue green numbers, candle sticks, and equations. Yung iba nga sinasabi ito daw ay para lamang sa mayayaman. Sa mga nakapag aral lang mga professionals. Baka maluge lang sila at mahirap daw.


Balik tayo sa basic ano nga ba ang STOCK MARKET? Diba mayroon tayong tinatawag na wet market at dry market kung saan dito mo mabibili ang mga physical goods groceries gulay, karne at isda, samantalang sa Stock Market ito ay isang virtual masasabi kong pinasosyal na palengke kasi online ang pag buy and sell mo ng STOCKS. Pwede ka ding mag may ari ng mga kilalang kumpanya na nakikita na naten sa paligid naten tulad ng Jollibee, Ayala Corporation, Sm , Meralco, Manila Water, Globe, PLDT at marami pang iba.


ANO NGA BA ANG STOCKS?


Ito ay isang uri ng investment kung saan magiging parte ka ng isang company. Imagine gaining lots and lots of assets and earning millions of pesos and this company sells shares of stocks then that’s possible.

ANO NGA BA ANG INVESTMENT (PAMUMUHUNAN)?


Ayon sa wikipidia ito daw ay ​To invest is to allocate money in the expectation of some benefit in the future. In finance, the benefit from an investment is called a return.


HALIMBAWA: May isang sikat na kumpanya ang pangalan ay TRADING IN TANDEM CORPORATION gusto nya magexpand ng kanyang business. Mayroon syang nakikitang dalawang option humiram sa banko o mag ooffer sya ng shares of stock sa public at dyan na papasok tayong mga investor. At once na bumili ka ng stocks ikaw ay matatawag na stock holder.


The best part of being a STOCK HOLDER is that you get a claim on the company’s assets as well as on its profits. Habang kumikita ang kumpanya ikaw ay kumikita din.


MYTHS

1.Stock Market is only for rich people, not necessarily you really don’t need that huge sum of money in fact there are some broker they offer just only 5,000 pesos you can already start your financial journey you can already carve financial future. Kahit ano ka man ano man ang estado mo sa buhay at ano man ang iyong hanap buhay studyante,teacher, doctor, factory worker, tindera sa palengke security guard, OFW, at sea fearer, engineer o kasambahay pasok ka dito.


2. Stock Market is like a gambling. In gambling once you already place your bet it's already zero some gain. It’s already win or lose it’s either you go home with all or you go home with not. Eto yung umaasa ka sa swerte or luck na anytime pwede kang umuwing masaya or luhaan, while in Stock Market whenever you already incurring losses you can always stop the bleeding by pulling out your funds and then you can place this funds on other shares of stocks which you think can benefit you further. Kapag namumula natatalo na ang binili mong stocks kahit papaano may natitira pa at pwede mong isell anytime na gustuhin mo at ibili ng ibang stocks na kumikita. Pwede din na hintayin na tumaas kasi hindi pa naman masasabi na talo ang binili mong stocks habang ito ay hindi mo pa binibenta ito ay tinatawag na paper loss.


3. Not easy to understand the concept. So many you have to analyze and study. Along your win in there in your journey in stock market you will encounter a lot of concept, new ideas sometimes you even be push to the limits as you study hard. But by the end of the day remember that the stock market is still a market were buying and selling stocks of share and the price is crucial point just remember your market instinct you buy low and sell high. Basta palage lang tatandaan huwag mag papa hype palage lang bumili sa mababa at ibenta sa mataas parang kapag ikaw ay nagnenegosyo bibilihin mo ng mura ang iyong producto sa murang halaga pero ito ay ibebenta mo ng may tubo yan ang pinaka basic concept.


4. Usually leads to losses. Losing is a part of investor life. In fact everybody has experience losing in stock market but there is no need to be discouraged. You can always minimize your loses and maximize your gains as long as you practice due diligence and this is where the analysis of chart comes in eto yung technical analysis na tinatawag matututo ka about support and resistance at iba pang mga indicator na gamit, this is where the analysis of financial comes in eto ung fundamental analysis eto ung tipong aaralin mo maigi ung company kahit sa simpleng news na halimbawa naluluge na ang kumpanya may mga rules na hindi nasunod na tuluyan ng mag sasara hindi nagbayad ng tamang buwis tulad ng ABS CBN pwede din naman sa PSE EDGe site dun makikita ung financial status ng isang company. And this is also the part where in we study the right selection of the stocks with respect to your risk preferences and the level of income we can commit this is called MANAGEMENT OF EMOTIONS.

Click this >>> PAANO KUMITA SA STOCK MARKET


ANO ANG MORTGAGE REDEMPTION INSURANCE?

September 14, 2020 0 Comments

 


Photo credit: Lloyd Cafe Cadena Facebook


What is the importance of MRI when you purchase a condo or house and lot? "Pano ang bahay ni Lloyd Cadena? Wala namang ipanghuhulog sa loan yung mom nya?" Yan ang mga tanong na kumakalat sa social media mostly sila ang mga taong nagmamahal at nagsusuporta sa ating bida na si Lloyd Cadena.


LLOYD CAFE CADENA's HOUSE IS NOW FULLY PAID BECAUSE OF MRI.


𝗪𝗵𝗮𝘁 𝗶𝘀 𝗠𝗥𝗜?

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗲𝗱𝗲𝗺𝗽𝘁𝗶𝗼𝗻 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲


Mortgage Redemption Insurance is an insurance policy that provides financial protection for home loan borrowers and their families. Specifically, MRI helps settle outstanding home loan amounts in the event of death or total disablement of the borrowers.


It is a requirement by PAG-IBIG and banks before approving your HOUSING loan.


What will happen to a property if the owner dies without MRI? PAG-IBIG and Banks can foreclose the property regardless of how much is your remaining loan.


MRI ensures that the family will STILL have the house to live in when the owner die too soon.


𝗞𝘂𝗻𝗴 𝗶𝗸𝗮𝘄 𝗮𝗻𝗴 𝗯𝗿𝗲𝗮𝗱𝘄𝗶𝗻𝗻𝗲𝗿 𝗻𝗴 𝗽𝗮𝗺𝗶𝗹𝘆𝗮, 𝗮𝗻𝗴 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘁 𝗵𝗼𝘂𝘀𝗲 𝗹𝗼𝗮𝗻 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘆 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗺𝗲𝗿𝗼𝗻 𝗸𝗮.


 "Pano ang bahay ni Lloyd Cadena? 

Paano babayaran ng pamilya niya yung loan sa bahay?


LLOYD CAFE CADENA's HOUSE IS NOW FULLY PAID BECAUSE OF MRI.


MRI ensures that the family will STILL have the house to live in when the owner die too soon.


Ganyan po silbi ng MRI. 

Take noteDepende in some other cases kung wala syang  guarantor noong ni loan nya ang bahay. Like someone who are in abroad at na-heart attack dead on the spot may bahay sya na Kinuha sa pag-ibig pero dahil may naka guarantor hindi nila ma-waive ang amortization.


Ang LIFE INSURANCE naman ay para mabayaran ang mga utang (kung may maiwan), hospital bills, at ang araw-araw na pang gastos ng mga mahal mo sa buhay, kasi kung ikaw ang breadwinner mawawala din ang income na bumubuhay sa iyong pamilya.


Kung ikaw ay may house loan, kailangan mayroon kang MRI.




Thursday, September 10, 2020

WHY DO PEOPLE DROWN IN DEBT( UTANG)?

September 10, 2020 0 Comments



Why do people drown in Debt (UTANG)? 


"Debt is already embedded in our culture" . Ito ay isa sa mga bagay na normal na sa karamihan sa atin. 


We must know how to classify Good/Bad Debt.


Reasons:


1. Misinformation of the society →They feed us with wrong information that DEBT is good.(NORMAL LANG ANG UTANG ABNORMAL KA PAG WALA KANG UTANG). At sa paniniwalang walang nakukulong sa utang. Kaya karamihan sa atin ay walang takot na mangutang.


2. Living in higher Lifestyle →Don't go broke tryng to look rich. Buying things we don't need just to show up to impress people. Dapat alam natin ang pag kakaiba ng needs at wants ( kelangan at gusto). Marami sa mga tao yung pa- SOSYAL maka upload lang ng picture ng starbucks sa facebook masabi lang na IN samantalang ang inutangan ay naka 3in1 coffee lang. Yan ang realidad ngayon maki uso lang.


3.Too many people spend money they haven't earned. To buy things just to  impress people. Madali para sa ibang tao na gastusin ang perang hindi naman talaga nila pinag hirapan kaya go lang ng go ika nga nila 1 day millionaire mindset.


4. Passed-On responsibility → After you graduate, it's now your turn to support your siblings education or your parents retirement. Never treat children as Investment. Nagkaroon ka ng anak obligasyon mong buhayin at pag aralin, huwag kang mag anak para gawin mong investment pag tanda mo.


5. Lack of Financial Literacy → This is the reason why you're not able to break the culture of Debt. This is the reason why you're not able to AVOID THE TEMPTATION OF SOCIETY..(Credit Cards, Car loan, Housing Loan, etc.) Ito yung tipong paulit ulit na lang. Uutang ka tapos sasahod ka tapos yung sahod mo mapupunta lang sa pinag kakautangan mo.

 

It takes a lot of discipline how to get out of debt..


"Debt can turn into a disease. It could control your life diminish your happiness and limit your  freedom."


Ano ba ang Droshipping at E-commerce?

September 10, 2020 0 Comments

Ano ang Dropshipping?


Dropshipping is used frequently without understanding what it means for local e-commerce.


When you say dropshipping it means you have no stocks on hand. If you buy stocks from a shopee, lazada or zalora and the seller ship it to your customer. That is not dropshipping.


Let me give you the 3 options if you are gonna do local ecom.  Remember local dropshipping has nothing to do with aliexpress or Alibaba.  You cannot dropship from china per say.  Shipping and COD is our major issue .


1.  100% dropshipping 

You don't have stock, you don't buy stocks, Nada.  You just sell and the supplier or fulfillment center helps you.  This is where ojmd comes in for Shopify and Dropify for lazada and shopee.  The supplier can charge you for their inventory access or for using their app. Deductions are made after order is shipped and received by the customer. This one is the easiest option.

 

2. Semi fulfillment 

You are not involved in logistics.  Here you acquire stocks . You send it to a fulfillment center to fulfill it for you . This is where you use companies like Silidan,  CliqNship or FBL. Now here, remember you buy stocks. So you need bigger capital than number 1 so you can secure stocks and send to fulfillment warehouse. 

FBL means, fulfilled by lazada . 


3.  Self ecom.

You are your own master. Here you do every stuff. You buy stocks, pack, ship to your customers.  This is pure you . No help,  no company . We call it self fulfillment.


Ano ang pag kakaiba ng dropshipping sa E-commerce?


✔️Shoppe at Lazada at Amazon etc ay e-Marketplace platform po sya, parang palengke po na may ibat-ibang store/sellers na nagtitinda.


✔️E-commerce - is a term used sa pagbenta  or any business transaction using internet. according kay Google: Electronic commerce or e-commerce (sometimes written as eCommerce) is a business model that lets firms and individuals buy and sell things over the internet.


✔️Kung magbenta ka s FB at may bibili, e-commerce din tawag doon, kung un sarisari store mo may website at kunyari may sinabi ka doon na pede sila pumunta at bumili s address mo, pede din po iyon ma consider na e-commerce. Ang website ng bank or un sinasabi online banking, pede din un e consider na e-commerce. Etc.


✔️Dropshipping ay isa din E-commerce. Dahil usually ang transaction nangyayari over the internet.


✔️Therefore, Ang mga words na Lazada, Shoppe, Amazon, Dropshipping etc na nabangit natin ay under ng E-commerce.