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Archive for the ‘Awareness’ Category

Investing is just like planting a tree.  You have to choose a good soil to put it your money in order for it to grow fast.  Like growing a tree, investments also have a waiting time and during that waiting time you have to make sure that you are doing your best to let it grow.  You cannot harvest yet until it matures likewise you cannot get your money yet in the time of seeding your investment otherwise it will not grow and will not bear fruits.

In investment you need to be patient and be wise.  Be patient especially in growing time and be wise in choosing where to put your money.  I already seen one of the best investment online and I am happy seeing my investment growing like a tree.  I am still waiting for the right time to harvest the fruit and I know it will happen soon.

I started this investment last April with an initial capital of about $145 but now it already grow 10X bigger than my capital.  It continuously grow every single day and I am really happy with the results.  If you want to know more you may contact me here.

Bad weather comes and goes however our financial obligations will be there as long as we are still alive.  We know about this but it is very seldom that we set aside money that we can spend during emergencies.  In fact we often neglect it because our salary is not even enough to pay for current bills.

But we also have to understand that it is also important to set aside money for emergencies.  This is one of the best ways to protect your family during rainy days.  I know that it is hard to save especially when you think that your money is not enough to even pay the bills but you also have to understand that there are more ways than you think to earn money.  All you have to do is to be resourceful.

Internet is one of the best place to earn if only you know how to take advantage of it.  Start learning and increase your psychological wallet and you will learn that it is easier to save.

I know that disaster may come anytime and I asked myself if I am ready for it.  I know that no one can predict what will happen in the future but then it is always a good idea to be prepared.  In case of emergency I know the things I need to bring and begin with I always make sure that my Big Agnes Fly Creek UL2 is always ready because it means that I can always put up a place to stay for temporary evacuation.  I also make sure that I have bottled water, emergency kit, medicine and of course food that will keep me alive until the rescue got me.  Insane it may seems but it is better to be prepared than be caught off guard.

This month is one of the hardest month I ever had in terms of finances and it is because of wrong planning at the very start of the month.  I already know that there is a big expenses coming for this month but despite of it I still add more expenses just because I wanted to grab every opportunity that comes along the way that in return I was not able to foresee the impact in my finances.

Now, my emergency fund is at risk because I have to cover the big payments loaded in my credit card.  I have no choice but to get the money from my emergency fund or else I will not be able to cover everything if I will only rely on my salary.  It’s a lesson learned for me because now I have to cover the financial hole that I created.

Other Interesting Articles:

- Time Management
- Mutual Fund Investments
- Save While You Can
- Philippines Inflation Rate

Unlike the other expenses that I mentioned in my previous article, this one is a different case because I know that it is due every end of July for five years.  One of the brokers told me that it is better if I will also try to have errors and omissions insurance quotes for me to have an idea which one is better but I think I will just concentrate in my current insurance coverage and after paying it then I can possibly look into that.  I am not sure if it is the right move for me however I don’t want to think another thing while I am almost done paying the other insurance.  I just want to have a proper coverage as I get old and I think what in my plate is already okay.

I arrived late last Wednesday and when I entered my house I feel something different in the tiles that I was standing.  I opened the light and found out something that shocked me, the tiles in my dining lifted and pushed other tiles to move which resulted to crack and lift other tiles in the dining area.  I don’t know how it happened but I am suspecting it is the results of the weather that day when it was became too hot and rain the middle of the day.  I think it was one of the reaction of the soil in that certain condition.  But whatever it was the result was not really good.

And now, I have to call the builder to do it for me.  I am not sure how much the total cost but I think it will cost a lot and will have an impact in my savings.  Another unexpected expenses but I am glad that I was able to save some money that I can pull out in case of this emergency.  I can say that it is really good leaving extra money for an emergency.

I am currently reviewing the available material handling procedure to help me understand how I can easily formulate a new procedure.  This is actually one of the tasks that is hard to do but since it becomes a challenge for me I would still want it to be deliver on time.  Formulation of new procedures is actually one of the continuous improvement we are thinking in our group.

The new procedure that I am trying to write will actually helps us standardize the process not only in the Philippines site but to other sites as well.  We are done with the brainstorming process and now the ball is in my had to come up with a concise but meaningful procedure at the end of this month.

Formulation of new procedure is not an easy task however having this new procedure will actually help us to lessen the subjectivity of our decisions.

When I started working as Quality Engineer I never thought that there are many laws and regulations handled by different agencies around the globe in which a company must comply.  Sometimes it is hard to think all of those especially if you are dealing with technology because it changes from time to time.  But of course, to make it easier there are books and tools that you can use and one good online library that you can check is the OGC ITIL in which they have plenty of books as well as the tools for IT governance and compliance.

I understand that it is not easy to memorize everything that is why it is really best if you are equip not only with books and tools but proper training as well.  This is the only way to familiarize yourself to help you do your job well.

I was so happy when I received my yearly update for my mutual fund investment.  I was really amazed by how much I gained from my mutual fund investment over the years.  I started buying mutual fund stocks last 2010 and when I started buying the price of stocks is just about 1.5 per share.  Right now the average share of my Save and Learn Equity Fund is around 4.3 per share.  Looking at it I realized that my mutual fund investments already doubled since the time I purchased it.  Wow!  This is really a wise investment compared if I just put my money in the bank.

What about you?  Where did you put your money?  Is it getting bigger and better?  Why not try putting some of your money to mutual fund investments?  Do you want to learn more?

Other Interesting Articles to read:

- Philippines Inflation Rate
- Best Time to Invest in Philippines Stock Market
- The Rule of 72

Many of my friends told me that they don’t want to have credit card anymore because there were time in their life that their credit cards were the one put them into a lot of debt.  I understand how they feel because I been to that situation as well but contrary to them I learned how to discipline myself and learned to use my credit card to my advantage.  One of the advantages of having a credit card is being able to use it in structured settlement payments such as purchasing my laptop and iPad in 3 to 12 months payment scheme with zero interest.  I also take advantage on the freebies every time I used my credit card.  I enjoyed having my credit card without paying my annual membership because I always waive it.

There are many things you can do in taking advantage of having your own credit card.  But of course you need to have proper discipline in using it so that you will not fall into their trap of paying more because of interest.  Always pay in advance and pay full because that is the only way to use your card without paying any added interest.