4 Reasons Why Credit Cards Are Better Than Cash
You pay the exact amount - There are some notorious shops/fastfoods that don’t give loose change if you don’t ask for it. Just last week, I paid Php197 for a food bill, which was Php196.30, and got no change. Not even 50 centavos.
Convenience - There is no more need to fall in line at the [...]
Should I Buy A Hospital Income Insurance?
I just got a call from a sales rep of HSBC Insurance. They were offering a Hospital Income Insurance with No Claims Bonus. Based on the sales rep’s pitch, the insurance promises to pay Php3,000 for each full day of confinement within a hospital as an inpatient. The benefit comes in the form of a [...]
How To Waive Your Credit Card’s Annual Fee
As I said before, credit cards can be good friends, if you use them wisely. Using them wisely means you get something out of using them, instead of them getting more money from you. One way to use your credit card wisely is to get rid of the annual membership fee. Annual fee costs usually [...]
Savings Plan For 2009
Looking back on my goals posted on the first entry of this blog, it seems I failed miserably on item #1. This was mostly because of items #4 (I bought a MacBook) and #5, in which I invested all my potential savings into the stock market. A portion of my online income also went down [...]
Personal Finance Software For Mac
Less than a year after I started working, I realized that I had to take control of my finances. Or else, I might not be able to get out of the rat race. So I decided to use a personal finance software to track my finances. Back in the day, I only had my smartphone [...]
A Millionaire In The Making?
fly.co.uk
cheap flights from the uk to the whole world
Discount Fares
Cologne Flights
Website
Frankfurt Flights
Am I a millionaire in the making? I think I am. But when someone asks me why or how, I wouldn’t know what to answer. Fortunately, Ms. Salve of Money Smarts listed down ten guide questions that would help us find out if we [...]
Financial Checkup - Midyear Checkpoint
Making a monthly check didn?t quite work for me. But I want to stick to my goals. So I’m going to report on my financial checkup. I’m also posting here some of the highlights of my expense report. This is because after “semi-annualizing” my expenses (computing all my expenses from January 1 to June 30, [...]
Does Cost Averaging Work?
It did before. I bought a hundred shares of SMPH at P12.25. Added 300 shares at P10.25. Then sold all 400 shares at P12.25. 11% profit in less than three months. And the price never went up again. I felt so good I thought I was so great at investing.
But now I am back to [...]
Taking Chances
Superlotto’s P216.4-M jackpot has no winner
Nobody won Thursday night?s draw of the Superlotto 6/49 with a jackpot prize of P216,452,088.00, the Philippine Charity Sweepstakes Office (PCSO) said.
Thursday?s jackpot prize was the biggest since the P202-million pot last October 2002, which was won by six people, according to PCSO.
Superlotto is drawn every Thursday and Sunday. [...]
Credit Cards Can Be Good Friends
Being a holder of EIGHT credit cards, I am proud to say that I don’t incur any “extra” debt from finance charges or late payment charges. Not that I use all of them but hey, at my age, one must be thinking, “baon na yan sa utang” (he’s deeply in debt). But uh-uh, HELL NO!
I [...]
