Usapang Social Security System (SSS) Part 1


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Usapang SSS
Medyo mainit na isyu ngayon ang pag-veto ni PNoy sa pag-taas sa Social Security System (SSS) benefits. Medyo maanghang na nga ang palitan ng salita sa ilang mga forum. At may ilan na ding nagtanong kung ano tingin ko sa isyung ito.

Una, gusto ko lang malaman kung lahat ng mga nagrereklamo sa hindi pagtaas ng benepisyo ay maayos na nagbabayad ng mga premium at mga INUTANG nila sa Social Security System (SSS). Kasi kung hindi, siguro dapat tumahimik na lang tayo. :) Bago po natin siguro ipaglaban ang “karapatan” natin sa mas malaking benepisyo eh tugunan po muna natin ang mga RESPONSIBILIDAD natin dito. :)

Ngayon, kung ikaw yung isa sa nakararaming mga Pilipino na maayos na nagbabayad at umaasa sa Social Security System (SSS), medyo may masamang balita ako sa iyo: Ang sistema ng Social Security System (SSS), sa kasalukuyang pamamalakad nito, ay halos siguradong magkukulang. Bakit?

Kasi ang sistema ng Social Security System(SSS) ay nangangailangan ng maraming mga batang nagcocontribute para may makuha ang mga matatanda. Hindi ito sustainable kapag mas madami nang matandang kumukuha ng Pension kaysa sa mga batang nagcocontribute dito.

Yung mga investments kamo? Nagkakamali din mga fund managers niyan. (Tignan niyo na lang kung anong stocks ang binili ng Social Security System (SSS) at kung ano naging performance ng mga ito.) Nalulugi din mga investments nila at lumalala ang pagkalugi sa oras na marami nang miyembro ang kumukuha ng pension. (Ganun din kapag hindi nagbayad ng maayos ang mga umutang dito.)

Kung gusto mo ng halimbawa, tignan mo ang nangyayari sa United States (U.S.) at Japan. Sa Japan, ang daming matatandang umaasa sa mga benepisyo mula sa gobyerno at kinukulang na ang pera ng gobyerno nila. Ganun din sa Amerika. Sa tingin ninyo, bakit NAPILITAN si Obama na baguhin ang Health Care system ng United States (U.S.)? Kasi ang United States (U.S.) mismo ay kapos na sa pera. Ngayon, naniniwala ka ba na ang mga politikong nagpapalakad ng Social Security System (SSS) dito ay mas magaling pa kesa sa mga katulad nila sa United States (U.S.) at Japan? :D

So ano pwedeng gawin?

IKAW ang magplano para sa retirement mo. Nakakatawa nga minsan na ang mga taong nagsasabing, bobo, tanga at walang silbi ang gobyerno natin ay siya ring mga taong umaasa na aalagaan sila ng gobyerno. Weird di ba?
Hindi mo alam kung ano gagawin mo? Mag-aral ka at isabuhay mo ang na-aral mo. Yung lang naman sagot diyan eh.

Sa huling sabi, nasa kamay mo ang kapangyarihang paghandaan ang retirement mo kaya gamitin mo ito. Huwag mong hayaang mauwi sa pagsisisi ang pagreretiro mo.

‪#‎aralmunabagoinvest‬

Sa ibang balita:
Ciara Sotto, iniwan na ang asawa at bumalik sa mga magulang kasama ang 11-buwan anak na lalaki.

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A Time to Sow


As we head into December, people everywhere are beginning to take stock of how 2015 has been for them.
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Given that the Philippine Stock Exchange Index is currently several hundred points lower today, it is no surprise that many people who started investing earlier this year are having second thoughts. After all, it was barely six months ago that the Philippine Stock Exchange once more set a new all-time high and things looked good. Nowadays, the increasing number of “long-term investors” seems to point to a gloomy outlook for 2016.

And I would have to say that my own outlook for 2016 would be more bear than bull at this point – especially for the latter half of 2016. Why? Lots of reasons but the two main ones are the following: Politics and Interest Rates.

POLITICS: While the first half of 2016 will surely benefit from election spending, the latter half will most likely not be as good. This is because, unless Mar Roxas wins, there will definitely be major turnover in pretty much every government entity as the new President will begin replacing P-Noy’s people. There will also be electoral protests by the dozen as losing candidates will shout out their usual protests of being cheated. And this is pretty much the best case scenario as the worst case will include violence and massive fraud. All in all, I really do not see business moving forward much as people have to try and figure out how to work with whoever gets elected.

INTEREST RATES: When the U.S. Federal Reserve (Counter part of Bangko Sentral ng Pilipinas) finally raises interest rates, local rates will be forced upwards as well. This would then lead to a higher cost of borrowing for both businesses and consumers. And this is a major concern for me as many Pinoys, both here and abroad, have borrowed large sums of money to finance the acquisition of cars and condos over the past decade. The question now would be whether these people will be able to continue making payments when interest rates rise. What is even more worrying for me is that one highly regarded international property consultant has already published a report saying that condo sales and rentals have negative prospects for the next 2 years.

So what do we do?

First off, ENJOY the coming Christmas season in moderation. Just as you know how much you can eat or drink before you start getting wasted, you should also know how much you can spend before you get into trouble. Do NOT spend all of your 2016 savings before you’ve actually saved them.

Second, prepare for the tough times. Study and invest wisely – especially when prices of many assets (and not just stocks) go down. Example: Gold is now almost 50% lower compared to 2011 / 2012 prices. Real estate prices are also expected to correct so if you are truly serious in accumulating assets cheaply for the long run, then 2016 may be a good starting point.

Third, get started. Yes, the coming days will be challenging but if you keep waiting for the “perfect” time to start, you will never end up doing anything.

As always “Aral MunaBago Invest” and Merry Christmas!

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Magkano Ang Laman Ng Wallet Mo?


BY TONI TIU

“Magkano ang laman ng wallet mo?” Huwag kang mag-aalala, hindi ako hihiram ng pera! Pero sa pagsagot ng tanong na ito, huwag mong titingnan ang wallet mo. Isipin mo muna kung magkano nga ba ang laman nito. Walang dayaan! Isip, isip. Okay. May sagot ka na? Okay, game. Buksan ang iyong wallet at tingnan kung magkano nga ba talaga ang laman ng wallet mo. Tumpak ba ang iyong sagot? Humigit ba o kumulang?

laman [Read more…]


10-20-70


Many of us have already heard or are familiar with the 10-20-70 financial strategy.
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However, based on many conversations I have had with people, I get the feeling that while people almost unanimously agree that it is a good strategy; it is also quite difficult to actually execute consistently. Well, the interesting thing I have noticed is that most, if not all, of the people who find difficulty with the strategy share one thing in common: They started at 10-20-70. [Read more…]


Tipid Bago Gastos


BY TONI TIU

“Ang hirap magtipid! Ang dami-dami kasing gastos!” Pamilyar ba ang mga salitang ito? Malamang ay nasabi na natin ito isa o dalawang beses, o madalas ay higit pa. Kasamahan yan ng “Kakasweldo lang pero parang araw de peligro nanaman!” o “Wala talaga akong maimpok sa bangko sa dami ng bayarin.” Nadaanan ko na rin ito, pero may sinubukan akong “tipid technique” sa mga nakaraang buwan. Sinubukan ko muna kung effective ba talaga ito bago ko i-share sa inyo. Ngayon ay pwede ko na talagang i-share kasi effective nga!

Simple lang ang kailangan natin gawin para siguradong may matipid tayo sa bawat dating ng sahod: Tipid bago gastos.

Tipid bago gastos
Simple pero mahirap, at kailangan ng disiplina.Bago mo bayaran ang iyong mga bills (cellphone, rent, kuryente, etc.), subukang magtabi muna ng pera para sa iyong savings. Sa bawat pagpasok ng pera, magtabi ka kaagad ng 2% nito.

Halimbawa, kung ang sahod mo ay P15,000, [Read more…]


Kung Maibabalik Ko Lang


BY TONI TIU
Ang pamagat ng kwentong ito ay hiniram sa isang napakasikat na kanta nung 1980s. Ang una niyang linya ay “Sayang ang mga sandaling pinalipas ko…” Bagay na bagay sa usapan natin. Ang ikekwento ko ngayon ay hindi kwentong pag-ibig. Ito ay ang kwento ng mga leksyon na sana’y natutunan ko nung kabataan ko, para mas napaaga ang pag-alaga ko sa aking ipon.

Kung maibabalik ko lang [Read more…]


Right-Sized Living


Right Sized
BY TONI TIU

…it’s not even always about living small, rather about living “right-sized.”
~Sarah Susanka, Frugal for Life

Such a fresh perspective to not spending more than what you earn, to enjoying the fruits of your labors without sacrificing too much.

Sometimes I’m guilty of scrimping too much. I scrimp too much to the point that I feel bad about what I earn, bad about how I budget, bad about the way I spend. The truth is, I have a pretty good budget plan. It’s just that I get too hard on myself and end up getting the cheapest buys, getting plans that use the least amount of money possible.
Cheaper isn’t necessarily better though.

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THE RIGHT-SIZED HOME

There was a time when I wanted to move to a smaller apartment, so we could save on rent money. A smaller apartment would mean less space, lower ceilings but lower cash outlay every month. The savings would look so good on our budget plan. But how about the claustrophobia? How about my tall husband? How about the space we need to breathe?
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Top 3 Money Resolutions for 2015


The New Year promises a fresh start for everyone. That is why a lot of Filipinos during this time formulate resolutions to help them establish goals, make some changes, and improve their lives.

The biggest challenge comes the month after, when old habits try to find its way back. Aside from having resolutions, they need to have enough willpower so they can stick to their game plan. The same principle applies in handling money.

In 2015, we want our followers to be smart in handling their money – on their way to financial freedom. If saving money is one of your resolutions, make sure you master these things first in order for you to do it successfully.

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