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  1. Join Date
    Jan 2016
    Posts
    6,813
    #1
    And again that's just 4.6% net, but if marami ka disposable ok lang. But for those who are almost fully invested na, better wait for higher yields. May mga notes ako na 4% net lang maturing late next year pa ang earliest so I set my threshold at minimum 5% na, much better if 6% pero usually mahirap kumuha ng mga ganito.

  2. Join Date
    Mar 2008
    Posts
    54,627
    #2
    if the objective is to make one's money grow faster than the inflation rate,
    few ordinary people know how to do that.

  3. Join Date
    Nov 2005
    Posts
    45,927
    #3
    Quote Originally Posted by dr. d View Post
    if the objective is to make one's money grow faster than the inflation rate,
    few ordinary people know how to do that.
    actually many ordinary people are beating inflation -- those engaged in business

    you buy something for P100 and sell it for P120 that's 20% profit

    that beat inflation

    but of course it takes work

  4. Join Date
    Jan 2016
    Posts
    6,813
    #4
    It's actually the ordinary people who know this, as there's pressure to grow small money.

    The extraordinary ones don't care. They have high paying jobs or businesses.

  5. Join Date
    Mar 2008
    Posts
    54,627
    #5
    how successful are these ordinary people, kaya?

    i have workplace mate, who sells online on the side.
    "on and off ang kita", sabi niya. "but i'm not about to quit my day job."

  6. Join Date
    Nov 2005
    Posts
    45,927
    #6
    Quote Originally Posted by dr. d View Post
    how successful are these ordinary people, kaya?

    i have workplace mate, who sells online on the side.
    "on and off ang kita", sabi niya. "but i'm not about to quit my day job."
    well it takes work

    may araw na malakas may araw na mahina

    that's the drawback of taking your money out of the bank and using it as capital coz the bank pays too little

  7. Join Date
    Nov 2005
    Posts
    45,927
    #7
    kunwari 2 tao

    pareho sila may 500K cash

    ung isa nilagay sa bangko time deposit

    ung isa bumili ng used car, inayos konte, at binenta... let's say nag net siya ng 20K or 30K

    then he repeated it

    in 6 months naka buy&sell siya ng ilan kotse

    it took a lot of work but his 500K grew a whole lot more than the 500k in the bank
    Last edited by uls; September 2nd, 2022 at 12:32 PM.

  8. Join Date
    Mar 2008
    Posts
    54,627
    #8
    Quote Originally Posted by uls View Post
    kunwari 2 tao

    pareho sila may 500K cash

    ung isa nilagay sa bangko time deposit

    ung isa bumili ng used car, inayos konte, at binenta... let's say nag net siya ng 20K or 30K

    then he repeated it

    in 6 months naka buy&sell siya ng ilan kotse

    it took a lot of work but his 500K grew a whole lot more than the 500k in the bank
    sa banco, everyone will make a profit, small though it might be.

    in buying and selling,
    i wonder,
    how many will make a reasonable profit, and how many will not?

  9. Join Date
    Jun 2005
    Posts
    3,774
    #9
    Back in college early, 2000s, there is a lesson in developmental economics, poverty threshold for developing country is people living on a dollar per day.

    It was in one of the text books (Todaro yata author nun).

    Sent from my 2107113SG using Tsikot Forums mobile app

  10. Join Date
    Jan 2016
    Posts
    6,813
    #10
    Quote Originally Posted by sirkosero View Post
    Back in college early, 2000s, there is a lesson in developmental economics, poverty threshold for developing country is people living on a dollar per day.

    It was in one of the text books (Todaro yata author nun).

    Sent from my 2107113SG using Tsikot Forums mobile app
    Bata ka pa pala, wala pang 40 hehe..

  11. Join Date
    Jul 2007
    Posts
    57,770
    #11
    Quote Originally Posted by papi smith View Post
    Bata ka pa pala, wala pang 40 hehe..
    If he's ID 100 (2000), 40 na siya this year

  12. Join Date
    Jun 2005
    Posts
    3,774
    #12
    Quote Originally Posted by _Cathy_ View Post
    If he's ID 100 (2000), 40 na siya this year
    Close..hahaha 101.

    I joined tsikot and kotse in a computer lab in goks while waiting for my then girlfriend (now wife)

    Sent from my 2107113SG using Tsikot Forums mobile app

  13. Join Date
    Jan 2016
    Posts
    6,813
    #13
    My daughter's ID is 105 [emoji38]

  14. Join Date
    Jul 2007
    Posts
    57,770
    #14
    Quote Originally Posted by papi smith View Post
    My daughter's ID is 105 [emoji38]
    May anak ka na pala na mid 30s! I thought we're about the same age lang I mean that as a compliment ha!

  15. Join Date
    Jun 2005
    Posts
    3,774
    #15
    Quote Originally Posted by papi smith View Post
    My daughter's ID is 105 [emoji38]
    Hahaha nag pangabot pa kami malamang! Bwahahaha

    Sent from my 2107113SG using Tsikot Forums mobile app

  16. Join Date
    Mar 2006
    Posts
    19,003
    #16
    Ayuz din itong si go ah. Sobra-sobra na nga benefits nila gma at digZ

    20230205_123055.jpg

    Sent from my RMX3690 using Tsikot Forums mobile app

  17. Join Date
    Jul 2004
    Posts
    8,590
    #17
    Quote Originally Posted by baludoy View Post
    Ayuz din itong si go ah. Sobra-sobra na nga benefits nila gma at digZ

    20230205_123055.jpg

    Sent from my RMX3690 using Tsikot Forums mobile app
    Dapat kasama free board and lodging sa .............................. Munti

  18. Join Date
    Mar 2004
    Posts
    10,314

  19. Join Date
    Mar 2008
    Posts
    54,627
    #19
    i don't know,
    but i am thinking,
    "no decent government wants their previous leader to die a pauper..."
    some dirt may pass thru the cracks, but i believe the effort is worth while.
    but that's just me.

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