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How Your PhP10,000 Can Change Your Life
The Pinoy is conservative. Maria Clara in baro't saya proves this point. But times are changing fast. Today, Juan de la Cruz is spotted working late. Backlogs are piling and holiday deadlines are on the horizon. Wearing a shirt and tie, he’s waiting for his cup of triple-shot venti latte while composing an e-mail and talking on his Blackberry simultaneously. ‘A day should have more than 24 hours’ Juan de la Cruz thinks to himself.
Because of greater demands, the Pinoy is now aggressive. But in managing finances, the Pinoy remains to be conservative. And because his time deposit is just earning him 0.25%-3.0% on the average per year, inflation is eating up his money like a termite on wood buffet.
But the Pinoy has hopes. The Pinoy has aspirations. And if he has big dreams, he needs to be gutsy. It’s hard to become wealthy by playing it safe.
Okay, let’s say you have a hundred grand to spare. You have no financial obligations like credit card debt or immediate financial needs like travel. Where do you invest P100,000? Here are some options:
Special savings deposits. You can place the money in a special savings account that earns a much higher interest than a regular savings account.
Time deposits. “P100,000 can be invested in a variety of ways. If you can’t tolerate any risk and would like your money to be near cash, or very liquid, stick with time deposits,” says J. Randell Tiongson, a Registered Financial Planner (RFP).
T-bills. If you want relative safety, place your money in short-term government securities like Treasury bills (T-bills).RTBs. You can also invest in longer-term government securities like Fixed Rate Treasury Notes (FXTNs). Alternately, you can invest in Retail Treasury Bonds (RTBs), which require much smaller amounts.
UITFs. Unit Investment Trust Funds (UITFs) are pooled funds that trust departments of commercial banks invest in various securities.
Mutual funds. Similar to UITFs but more regulated, mutual funds pool money from thousands of investors. There are different types depending on your investment objectives. Randell explains, “Mutual funds and UITFs may be good options as they show good capital appreciation especially if you hold on to them for a long time.”
Stocks. You can buy shares of publicly-listed stocks and ride the current bull run. “There’s always the stock market if you can take the risk,” says Randell, adding, “Another option is an equity-based mutual fund or UITF that can take care of managing the stock investments for you.”
Foreign currency. You can exchange your P100,000 into foreign currency like the euro. Banks and forex brokers let you do this.
Insurance plans. Whole life insurance plans have a savings component. A variation is the variable (also called unit-linked) insurance plan, which gives you greater control on how your premiums are invested.
Endowment plans. These are insurance products that don’t provide lifetime coverage. They are often positioned as investment products because the emphasis is on the returns. Randell says, “You can also opt to purchase a single pay life insurance with an investment portion or an endowment. You can grow your money and get some insurance coverage while waiting.”
Pension plans. You can buy a pre-need pension plan, that is, if you’re undeterred by the negative news on certain pre-need companies.
Food Preparation Specializations: Stocks, soups and sauces, Meat, Seafood
Types of Meals/Food Prepared: All meals
Specific Skills: Prepare and cook individual dishes and foods, Plan menus, Ensure quality of food and determine size of food proportions, Estimate food requirements and costs, Supervise kitchen staff and helpers, Maintain inventory and records of food, supplies and equipment, Manage kitchen operations
Other Languages: Korean
Employer: Sushi Star How to Apply:
Please apply for this job only in the manner specified by the employer. Failure to do so may result in your application not being properly considered for the position.
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Tiens Spirulina is made of dried Spirulina. The result of scientific research has confirmed that Spirulina contains easy-to-digest vegetable protein, various vitamins and essential fatty acid (GLA) that is rare to find in other foods. Every 100 grams of Tiens Spirulina contains over 60 mg beta-carotene as well as a significant amount of Vitamin E that work within the body as powerful antioxidants. Additionally, the high concentration of the B group vitamins found in Spirulina is believed to help maintain healthy nerves, skin, hair, eyes and liver.
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