New and Used Car Talk Reviews Hot Cars Comparison Automotive Community

The Largest Car Forum in the Philippines



Page 327 of 356 FirstFirst ... 227277317323324325326327328329330331337 ... LastLast
Results 3,261 to 3,270 of 3554
  1. Join Date
    Jul 2013
    Posts
    2,030
    #3261
    Quote Originally Posted by Deestone View Post
    Duterte is now threatening facebook. Is spreading fake news now part of our government policy?

    Sent from my SM-N910C using Tapatalk
    Duterte's leadership style is all about fear and intimidation.

    He cant beat someone or something that is not afraid of him. Case in point - COVID19. Kaya tayo nasa ganitong situation sa COVID19 ay dahil akala niya madadaan niya sa usual antics niya yung pagsolve sa virus. Malas natin ang virus ay walang pake sa pagmumura niya.

    Now I dont think Facebook is any way threatened by the words of Duterte. Mas kelangan ni Duterte ang Facebook - not the other way around.

  2. Join Date
    Nov 2005
    Posts
    34,875
    #3262
    if there's a reason to borrow it's to use the cheap money for speculation not business

  3. Join Date
    Oct 2002
    Posts
    19,525
    #3263
    Quote Originally Posted by uls View Post
    ganito yun

    pag mahina ang economy --- mahina ang demand...

    kung ikaw may business mag e-expand ka ba?

    magpapatayo ka ba ng bagong planta?

    magbubukas ka ba ng bagong branches?

    kahit mababa interest rate di ka naman mangungutang coz you don't have plans

    wait and see mode ka eh
    Pero nagbaba interest rate ang BSP for nothing. Binubulsa lang ng mga banks yung savings on interest rates. Gaano na ba kalaki ngayon ang spread ng banks between time deposit and savings deposit interests versus lending rates.

    Reason ng mga banks is because of the higher cost of their money, the loan defaults, etc. So sacrifice nila mga good payors ng loans. Lalo mahirapan mga debtors, humina na ang business, mataas pa din interest rates na binabayaran nila, e di lalo dadami mag default ng loans.
    Signature

  4. Join Date
    Nov 2005
    Posts
    34,875
    #3264
    there's actually a term for the phenomenon where central banks can only do so much

    where monetary policy reaches a limit

    it's called pushing on a string

    Pushing On A String Definition
    Pushing on a string is a metaphor for the limits of monetary policy and the impotence of central banks. Monetary policy sometimes only works in one direction because businesses and households cannot be forced to spend if they do not want to. Increasing the monetary base and banks’ reserves will not stimulate an economy if banks think it is too risky to lend and the private sector wants to save more because of economic uncertainty.
    kaya i keep saying kailangan ng gov't spending coz i'm aware of that phenomenon

    sobra paulit ulit ko na sinasabi yan

    put money in people's hands

    people will spend the money -- that creates demand

  5. Join Date
    Nov 2005
    Posts
    34,875
    #3265
    re: interest rate on loans before central bank rate cuts

    pag fixed rate ang loan kahit binaba ng central bank ang interest rate di naman affected yan diba

  6. Join Date
    Nov 2005
    Posts
    34,875
    #3266
    know where we're seeing direct effect of lower rates?

    Philippine treasury bonds

    ang baba ang interest ngayon

    and since that's the benchmark of corporate bonds ang baba din ng interest rate ngayon ng corporate bonds

    i'm sure nakakatanggap kayo ng text/email galing sa bangko nag aalok ng corporate bonds

    ang baba ng interest rate ngayon

    so why are companies issuing bonds?

    mahina ang economy mag e-expand ba sila?

    no

    they're just taking advantage of the low rate environment

    maybe retire older debt with higher interest

    buy back shares
    Last edited by uls; September 29th, 2020 at 12:07 PM.

  7. Join Date
    Oct 2002
    Posts
    19,525
    #3267
    Quote Originally Posted by uls View Post
    re: interest rate on loans before central bank rate cuts

    pag fixed rate ang loan kahit binaba ng central bank ang interest rate di naman affected yan diba
    Depends on your loan agreement with the bank. Meron kasi credit line na 30 days to 180 days ang maturity and you can renegotiate the rate when you renew the loan.
    Signature

  8. Join Date
    Oct 2002
    Posts
    19,525
    #3268
    Quote Originally Posted by uls View Post
    know where we're seeing direct effect of lower rates?

    Philippine treasury bonds

    ang baba ang interest ngayon

    and since that's the benchmark of corporate bonds ang baba din ng interest rate ngayon ng corporate bonds

    i'm sure nakakatanggap kayo ng text/email galing sa bangko nag aalok ng corporate bonds

    ang baba ng interest rate ngayon

    so why are companies issuing bonds?

    mahina ang economy mag e-expand ba sila?

    no

    they're just taking advantage of the low rate environment

    maybe retire older debt with higher interest

    buy back shares
    Still, big entities pa din nakikinabang, especially the banks. Mga SME kawawa pa din.
    Signature

  9. Join Date
    Nov 2005
    Posts
    34,875
    #3269
    the problem with the economy now is lack of demand

    madami nawalan ng income so wala pang gastos

    ung mga may pang gastos either nagtitipid o walang opportunity gumastos coz di lumalabas / di masyado lumalabas / wala mapuntahan (hello local tourism)

    (oo may online shopping pero iba parin ung gumastos sa labas madami nakikinabang)

    the central bank cannot make people spend

  10. Join Date
    Nov 2005
    Posts
    34,875
    #3270
    Quote Originally Posted by boybi View Post
    Still, big entities pa din nakikinabang, especially the banks. Mga SME kawawa pa din.
    sa US nga ang reklamo -- the Federal Reserve's zero rates only drives speculation

    people who have access cheap money speculate in the stock market

    they don't put up businesses and hire people

    that's the problem

    hindi lang sa atin nangyayari ung limit ng power ng central bank

Tags for this Thread

Philippine Economy Talk