Investment Advice

[papi smith]

I got curious with Tonik's 6% interest, so I registered, only to find out na may 250 withdrawal fee pala ito sa ATM. Plus I am not familiar with the owners, parang start up lang ang dating, though PDIC covered naman. Nadala kasi ako ng nababasa ko kay Miss Eks na CIMB ata yun na 4% at free ATM withdrawal anywhere.

[ray_noel]

I got curious with Tonik's 6% interest, so I registered, only to find out na may 250 withdrawal fee pala ito sa ATM. Plus I am not familiar with the owners, parang start up lang ang dating, though PDIC covered naman. Nadala kasi ako ng nababasa ko kay Miss Eks na CIMB ata yun na 4% at free ATM withdrawal anywhere.

And bakit hindi sa CIMB ? Hehehe…


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[papi smith]

And bakit hindi sa CIMB ? Hehehe…


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I will check on this din later bro, pero at the moment, if 4% lang, I'd rather buy preferred shares, mas long term pa or even PLDT (TEL) which is giving 5% net as of today's price, and REITS 4%

[misseksaherada]

I got curious with Tonik's 6% interest, so I registered, only to find out na may 250 withdrawal fee pala ito sa ATM. Plus I am not familiar with the owners, parang start up lang ang dating, though PDIC covered naman. Nadala kasi ako ng nababasa ko kay Miss Eks na CIMB ata yun na 4% at free ATM withdrawal anywhere.

Kahapon lang Sir Papi ini-encourage ko mga friends ko mag simula na sa CIMB.. Sayang kasi lalo na kung ipon lang na hindi naman ginagalaw.. Yung fund transfer pa from CIMB to CIMB merong special interest rate.. Nag-send nga din ako feedback sa CIMB kasi hindi ko mahanap yung PDIC info sa mobile app nila, binigay ko sample yung sa ING..
Sa ING naman, meron summary ng total interest nung account.. Sobrang layo sa ibang deposit accounts ko na halos same lang naman din ng laman.. Sobrang barya, may service fee pa pag mag-withdraw..
Both CIMB and ING any ATMs walang service fee ang withdrawal pati Fund Transfer sa ibang banks, free din..

[kagalingan]

Kahapon lang Sir Papi ini-encourage ko mga friends ko mag simula na sa CIMB.. Sayang kasi lalo na kung ipon lang na hindi naman ginagalaw.. Yung fund transfer pa from CIMB to CIMB merong special interest rate.. Nag-send nga din ako feedback sa CIMB kasi hindi ko mahanap yung PDIC info sa mobile app nila, binigay ko sample yung sa ING..
Sa ING naman, meron summary ng total interest nung account.. Sobrang layo sa ibang deposit accounts ko na halos same lang naman din ng laman.. Sobrang barya, may service fee pa pag mag-withdraw..
Both CIMB and ING any ATMs walang service fee ang withdrawal pati Fund Transfer sa ibang banks,
free din..

baby, paano step by step saan ko ideposit pag digital bank?

Magkano % sa ING?

[misseksaherada]

paano step by step saan ko ideposit pag digital bank?

Magkano % sa ING?

Sa CIMB Sir Kags, install ka ng mobile app.. Required yung mobile app kung gusto mo magkaroon ng ATM Card.. Kapag naka-install ka na, maga-guide ka na nung app..

Mas malaki % ng CIMB sa ING.
Meron pa promo ngayon sa ING, 1st 4 months ng account mo 4% ang interest rate, after ng promo period stay na sya sa 2.5%. Same din if gusto mo ng ING, need mag-install mobile app.. Madali lang maga-guide ka ng mobile app..

[kagalingan]

^
Ikaw mag-guide sa akin para laymans explanation.

Sa cimb yung interest stop sa kalahating milyon? Pero sa ing ba kahit 10milyon game pa ba?

[hinlog]

Check your insurer and if your policy is still eligible to what they call PDF. It is an optional rider though free and let your excess payment earns interest. Last time I checked tis 2pct++ net of taxes for PHP policy, not sure on USD. Withdrawable anytime, no min amount required afaik.

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[papi smith]

Check your insurer and if your policy is still eligible to what they call PDF. It is an optional rider though free and let your excess payment earns interest. Last time I checked tis 2pct++ net of taxes for PHP policy, not sure on USD. Withdrawable anytime, no min amount required afaik.

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Thanks bro, I have what I think they call whole life, when I bought it, the going 5 year TD rate was 9%, so I was very optimistic that I will get a big pay out when it matures, but then interest rates fell, 2% on excess payments is generous.

[hinlog]

Thanks bro, I have what I think they call whole life, when I bought it, the going 5 year TD rate was 9%, so I was very optimistic that I will get a big pay out when it matures, but then interest rates fell, 2% on excess payments is generous.

Just a guess that you might be referring instead to an endowment type of life insurance policy. Sales Illustrations provides you different scenarios of policy cash values, look for the lowest one hehe...

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[papi smith]

Yes, I guess that's what it is called, thanks!

[Little Missy]

Na-enganyo din ako magopen ng Gsave/CIMB account dahil sa inyo haha. Hirap na hirap ako magcash in sa gcash dati eto lang pala ang solusyon (nag eerror fund transfer ko from bdo to gcash).

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[ray_noel]

Sa cimb ba pag mag transfer ng funds to bpi walang charge? If yes, advantage to for payroll na nasa bpi… may extra efforts nga lang pero if it will save you money, malaki tulong na rin….

Cash in:
Bpi to gcash = free
Gcash to cimb = free

Cash out:
Cimb to bpi = free (in special case)
Cimb to gcash = free


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[uls]

park your money in a stablecoin and earn 8%

[misseksaherada]

Cash in:
Bpi to gcash = free
Gcash to cimb = free

Ganyan nga ginagawa ko, tapos sa CIMB ATM Card ako mag-withdraw kapag need ko ng Cash.. Walang service fee any atm..
Fund transfer CIMB to ING = free
Maliban dyan, hindi ko pa na-try sa ibang banks..

[kagalingan]

ulysees,
Saan ako pupunta office pag ganyan stablecoin? Wala ba risk yung parang prepandemic withdraw withdraw lang interest?

Baby eksa,
Wag mo kamanghaan ang dami ng kwarta. For a singleman like me nasa 30% ng oras ko kwarta. Kasi nanjan pa about health 40% na mas importante. Tapos enjoyment 30% din. Sabi nga health is wealth kaya yan malaki percentage. Kwarta at enjoyment kwits lang.

Ngayon pandemic may kababata ako a billionaire many times over wala alam sa health kasi inubos oras magpakayaman. Ako pa kinontact about health. Kaya mayabang ako ngayon pandemic. Normal galawan ko.

[uls]

ulysees,
Saan ako pupunta office pag ganyan stablecoin? Wala ba risk yung parang prepandemic withdraw withdraw lang interest?

sign up ka sa isang crypto exchange

transfer money to your acct, buy stablecoin

[ray_noel]

sign up ka sa isang crypto exchange

transfer money to your acct, buy stablecoin

Pero may possiblities na bumaba ito diba? protected ba yung initial capital ba nilagay?


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[misseksaherada]

For a singleman like me nasa 30% ng oras ko kwarta. Kasi nanjan pa about health 40% na mas importante. Tapos enjoyment 30% din. Sabi nga health is wealth kaya yan malaki percentage. Kwarta at enjoyment kwits lang.

OT: Picture naman ng muscle dyan [emoji1320].
40% health, kalahating dosena ba na pan de sal ang abs at ala-cobra na ang form ng muscles..
Naisip ko si Toguro ng Yu Yu Hakusho / Ghost Fighter.. Pero syempre di mo alam yun.. Hahahahahaha [emoji23]

[uls]

Naisip ko si Toguro ng Yu Yu Hakusho / Ghost Fighter.. Pero syempre di mo alam yun.. Hahahahahaha [emoji23]

haha

"malayo sa kabihasnan"

di ko makalimutan ung sinabi mo haha na-memorize ko