Senin, 31 Oktober 2011
Kamis, 27 Oktober 2011
Pesos and Sense Video Episode 6
Pesos and Sense Video Episode 6
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| Pesos and Sense |
Pesos and Sense Video Part 1
Aya pointed out the 70-20-10 rule of saving. Save 30% of your salary and spend the 70% to your family expenses. On the 30% saving from your salary, invest 20% while the 10% is for tithing or giving to our lord. The idea of Salary (Income) – Savings = Expenses was also discussed in this episode.
The guest for this Pesos and Sense episode was Johnny Bondoc who share his personal experience in saving and budgeting. Watch the video below for more.
Pesos and Sense Video Part 2
Johnny Bondoc continued sharing his personal experience in Budgeting. The basic form of investing which is saving in the bank was also discussed in this video.
Pesos and Sense Video Part 3
Pesos and Sense Continuations of Technical Analysis with Juanis Barredo an employee from Citiseconline.
Pesos and Sense Video Part 4
Pesos and Sense Ask Aya Portion
Happy viewing!!!
Pesos and Sense Video Episode 6..
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Pesos and Sense Video Episode 5Rabu, 19 Oktober 2011
$50,000 by end of June 2012
A few days ago, I applied for another bursary valued at $2900. If I am awarded this bursary, my net worth will be at least $50,000 by the end of June 2012. This is also partly due to my internship starting on Jan 2012 which pays $1100 per month. I previously mentioned that my parents will still be giving me my $500 allowance when internship starts and I will be able to save around $1000 cash each month. However, I overlooked the CPF ordinary account, which is part of my net worth. To calculate how much money will be credited into my CPF OA, we have to first look at the CPF contribution and allocation rates.
Currently, for an employee at age 35 and below, the employer contribution is 16% and employee contribution is at 20% of wage. Therefore, the total contribution will be 36% of wage. Out of the 36% contributed to CPF, 23% of it will be credited into CPF OA, 6% into special account and 7% into medisave account.
My monthly remuneration for my 6 months internship is $1,100. Total wages earned is $6,600. Contribution to CPF OA during this period will be: $6600 x 0.23 = $1,518
Total amount earned during internship = $1518 + 6($1000) = $7,518
Given that the $2900 bursary I just applied is awarded to me,
Guaranteed net worth by end of June 2012 will be :
$35000(current net worth) +$3000(bursary awarded this month) + $2900(bursary that I just applied) + $7518(cash and CPF OA earned during internship next year) + $1215(9 mths of RSP into ILP) + $1080(girlfriend contribution into savings account 3) + $840(tuition until internship starts) + $400(Ang Pow for 2012) = $51953(assuming no investments returns)
Currently, for an employee at age 35 and below, the employer contribution is 16% and employee contribution is at 20% of wage. Therefore, the total contribution will be 36% of wage. Out of the 36% contributed to CPF, 23% of it will be credited into CPF OA, 6% into special account and 7% into medisave account.
My monthly remuneration for my 6 months internship is $1,100. Total wages earned is $6,600. Contribution to CPF OA during this period will be: $6600 x 0.23 = $1,518
Total amount earned during internship = $1518 + 6($1000) = $7,518
Given that the $2900 bursary I just applied is awarded to me,
Guaranteed net worth by end of June 2012 will be :
$35000(current net worth) +$3000(bursary awarded this month) + $2900(bursary that I just applied) + $7518(cash and CPF OA earned during internship next year) + $1215(9 mths of RSP into ILP) + $1080(girlfriend contribution into savings account 3) + $840(tuition until internship starts) + $400(Ang Pow for 2012) = $51953(assuming no investments returns)
Pesos and Sense Video Episode 5
Pesos and Sense Video Episode 5
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| Pesos and Sense |
Pesos and Sense Video Part 1
Everyone has a different views on investing. Some will start investing if they have a big amount of money or got a higher salary pay. Others, they invest early even they have small amount of money. Which views you have?
In this Pesos and Sense video, Citiseconline’s Easy Investment Program (EIP) was used as one example that you can do to start investing early and how Pesos and Sense encourage everyone to invest as early as possible to grow our money in time.
In this Pesos and Sense video, Citiseconline’s Easy Investment Program (EIP) was used as one example that you can do to start investing early and how Pesos and Sense encourage everyone to invest as early as possible to grow our money in time.
Pesos and Sense Video Part 2
Comparison of Investing early and investing late. Ping and Pong are two best friends with different styles of Investing. Ping started early with Php. 2000 a month for 10 years for a total of Php. 240,000. Pong started late with Php. 4000 a month for 10 years for a total of Php. 480,000. Who do you think has more money at the age of 60?
Pesos and Sense Video Part 3
Technical Analysis with Mr. Juanis Barredo, the Chief Technical Analyst of CitisecOnline. Mr. Juanis Barredo talks about Correction and Consolidation.
Pesos and Sense Video Part 4
Aya Question and Answer portion of Pesos and Sense.
After watching this Pesos and Sense video. You may wonder or started asking "What investment can I avail that offers 10% or higher of compounding interest?" Or you might asked "Where to invest my money?" There's a lot of investment out there like Mutual Fund, Unit Investment Trust Fund (UITF) which gives more than 8% compounding interest annually or you can directly invest in Philippines Stock Market via online where gives 10% interest or higher per year. It's up to you to choose which is suitable for your risk.
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Pesos and Sense Video Episode 5..Like Us on Facebook
Senin, 17 Oktober 2011
How to pay smartbro bill online?
How to pay smartbro online?
Last time, I made a post about another way to get a copy of smartbro bill of statement online in case you won't receive thru your mail address. Now, I would like to share on you how to pay smartbro bills online. Since most of banks in the Philippine offers now an internet banking, we can easily to pay our bills via online. It's up to you which internet banking would you like to use for payment.
Here, I'm going to use BDO Online Banking to pay smartbro bill online. And for additional information, I will also show you some print screen photo of how to pay smartbro online using Metrobank Direct Online Banking and RCBC Access One Online Banking.
To pay smartbro online. (I suppose you have already registered your BDO bank savings account in the internet). All you have to do. Here's how:
1. Go to BDO website or type in to your browser www.bdo.com.ph and then Log in to your BDO Online account.
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| Smartbro bill |
2. Enroll your smartbro account. Go to enrollment services then company/biller name and then click enroll. See screen shot below.
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| Smartbro bill |
3. From company/biller name select smart, for product type select smartbro. Fill up your information in a space provided box for smartbro account number, subscriber name and nickname for the enrollment name. Then click submit. See screen shot below.
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| Smartbro bill |
4. After the enrollment, you can now pay your smartbro bills. Click pay bills. Select the company/biller name you've enroll. Then fill up the amount you need to pay. Put some remarks. Then click submit. See screen shot below.
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| Smartbro bill |
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| Smartbro bill |
5. After clicking submit button. A payment receipt will show up telling that you have successfully paid your smartbro bills. In the receipt, included the detail of your payment such smartbro payment reference number, date and amount paid. Make a copy or print so that you have a copy to keep. See screen shot below.
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| Smartbro bill |
6. Wait for 24 - 48 hours to credit your smartbro payments. To check if your payment has been credited. You may log in to www.smart.com.ph and then look for your smartbro bill of statement to make sure your payment has been credited.
As I mentioned above. I will show you some print screen photo using Metrobank and RCBC to pay smartbro bills online. It is same procedure, the one I explained above. Enroll first the company name and then after enrollment you can proceed for payment. See screen shot below.
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| Smartbro bill |
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| Smartbro bill |
Here you go, I hope you've gain an idea on how to pay smartbro online. If you have any question, you can contact me. Or directly visit the website of your bank for inquiry.
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Sabtu, 15 Oktober 2011
How to check smartbro bill online?
How to check smartbro bill online?
Is there an alternative way to view/check my SmartBro billing statement? Yes, there is. Last month when my sister text me and asking for a money to pay our Smartbro monthly bill in bayad center. I told to her send me a scan copy of smartbro bill of statement so that I can view how much exactly I had to pay. But the problem is, she said, she have not yet receive any copy of smartbro bill of statement to our mail address. She go to our town post office to check if there's already a mail from smart.
Unfortunately, she found nothing. To find out how much I had to pay. I browse the internet and visit www.smart.com.ph website. And I found that our mobile number and even smartbro account can be register to their site. And can access the following detail.
For Mobile Subscribers
* Check Balance
* View and pay bills
* Activate Services
* Monitor account activity
* Submit help tickets
For Smart Reload Retailers
* Check Load Wallet balance
* Request for statement of account
* Block Load Wallet for lost SIM
For SmartBro Subscribers
* Smartbro Check balance
* View Smartbro bills of statement
* Subscribe to unlisurf package
* Submit help tickets
I decided to register my sister smartbro account so that we don't need to wait to come in our mail address the smartbro bill of statement. And if I need a copy. All I have to do is just log in to smart website, click check the Smartbro bill of statement to find out our due date and how much should i pay and then print a copy for me. It easy to use anytime and anywhere as long as you have internet connection.
To register and to check you smartbro bill of statement. Here's how:
1. Go to www.smart.com.ph and then click manage my account from upper right side corner of smart homepage. You will prompt to a smart log in portal. See smartbro snapshot photo.
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| Smartbro bill |
2. Click, Register Now. Then fill up and give the necessary information needed (for smartbro registration use the smartbro reference number). You will receive a confirmation email link. Click that link you've receive and continue fill up the form until you finish. See smartbro snapshot photo.
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| Smartbro bill |
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| Smartbro bill |
3. After clicking the submit button. You will receive again an email telling that you have successfully register your account. You can now log in by using username or your smartbro account number and password you've provide during registration. Then, manage and check the bill of statement of your mobile and smartbro account. See smartbro snapshot photo.
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| Smartbro bill |
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| Smartbro bill |
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| Smartbro bill |
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| Smartbro bill |
4. Once you're already log in to smartbro portal you can now explore, view and check your smart bro bill of statement as shown picture above.
Next to read....
Project Freedom(1): Awareness of The Current Reality
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"我翻开历史一查，这历史没有年代，歪歪斜斜的每页上都写着"仁义道德"几个字。我横竖睡不着，仔细看了半夜，才从字缝里看出字来，满本都写着两个字是‘吃人'!"- 鲁迅的开山小说《狂人日记》
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The above Chinese message is briefly translated as:
"I flipped through the history book and checked, this history covered all ages. In every pages, with the slanted words, it repeatedly written with the same phrases "humanity, justice and Integrity". I could not go into sleep in all positions, and carefully examined it for the whole night, and finally I realized the insight through reading in between the lines, the whole book is filled with two words - 'EAT PEOPLE!' " - Lu Xun (September 25, 1881 – October 19, 1936), "A Madman's Diary"
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"THE FEAR OF POVERTY! It requires courage to tell the truth about the history of this enemy of mankind, and still greater courage to hear the truth after it has been told. The Fear of Poverty grows out of man's habit of preying upon his fellow men, economically. The animals which have instinct, but no power to THINK, prey upon one another physically. Man, with his superior sense of intuition, and his more powerful weapon of THOUGHT, does not eat his fellow man bodily; he gets more pleasure from eating him FINANCIALLY." - Napoleon Hill,(October 26, 1883 – November 8, 1970), The Law of Success in Sixteen Lessons
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There are more illustrations of how the current system works in the following Link.
-> What's Preventing Most People From Financial Freedom. <-
As the saying goes...
"The person who does not realize that he is in
a jail will never think of getting out."
a jail will never think of getting out."
So, awareness is empowering. On the other hand, awareness without action is worthless too.
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