This document provides an introduction to basic personal finance concepts like saving, investing, and the stock market. It discusses reasons to save like having an emergency fund and preparing for personal goals. It explains the difference between saving, which keeps money, and investing, which grows money by committing it with the expectation of returns. The document then gives an example of how investing Php10,000 in the stock market at a 12% average annual return rate could grow to Php54,735 over 15 years. It also outlines some basic steps for starting to invest through opening an online brokerage account.
Financial literacy for OFWs, prepared by the Development Bank of the Philippines. This a good presentation to view and discuss with your domestic helper.
Savings Survey - Imact of Teach Children To Save Summit Laja Shoniran
The Impact of Teach Children To Save Summit and The Use of Ant Bank to Encourage Savings Among Children and Youths
(Combining Savings and Financial Literacy for Poverty Reduction)
Investing in philippine stock market for beginners - a quick start for Filip...Omeng Tawid
Investing in philippine stock market for beginners - a quick start for Filipino (Pinoy) investors:
Excerpt:
Stocks are simply shares of ownership in a
corporation. Thus anyone owning stocks or shares of
a company is called the company’s shareholder or
stockholder. Being a part-owner, you partake in the
performance, growth, earnings and profits, as well as
losses, of these companies.
The stock market is the place where people
converge to buy and sell shares or stocks through an
authorized stockbroker. That means once you have
your broker and enough money to buy stocks, you
can readily start investing in the stock market and
brand yourself as a noble shareholder of giant
fantastic companies.
In the Philippines, the Philippine stock market is the
place where you can invest in Philippine Stock
Exchange (PSE) - listed companies. And only those
people or firms accredited by PSE as authorized
brokers can participate directly in trading and putting
buy or sell orders.
Why Invest? To make your hard-earned money
work even harder for you
Investing enables one’s savings to grow or
appreciate to achieve various
long term financial goals. It is
said to be the most effective
way of building personal
wealth and attaining future
financial
security
for
oneself. It also safeguards
one’s capital against
inflation which erodes
the purchasing power
of your money if it’s not
invested.
Why stock market?
Because history says
so!
The fact is that stock
market is not the only
type of investment present
in the capital market. But history has proven that
nvesting in the stock market over the long-term has
outperformed all fixed-income instruments, plus it
offers good protection against inflation. The market
undeniably continuously experiences highs and lows,
dumps and trumps, and blows and dips, but these
short-term pictures are just tiny pixels compared to
the general uptrend portrait recognized in the long
run.
Who can invest? Everyone can!
Anyone can invest in the stock market. It is a readily
available choice of financial vehicle for those who
want to make their hard-earned money work even
harder for them. Millionaires or not, everyone can
earn in the same battle field.
Everyone motivated can do it.
When should you invest? When you’re ready!
That’s when you have money you won’t need for
your basic expenses, which you would otherwise put
in a bank. It’s better if it’s made available in a longer
time as it allows the investment to ride through the
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
Retirement planning is using your earnings to provide income, after you retire from work. Start planning for retirement now. We can help you use your savings today, to live a comfortable life tomorrow.
Week One material for Wealth Management course.
The information contained in this presentation is for illustrative and informational purposes only and should not be considered investment advice.
Have you ever thought of doubling your income? Ever wondered what to do with your extra money lying around?
''Where To Invest Platform'' is here to help you with that.
Don’t be late, Investing is great!
Your ticket to financial freedom doesn’t lie in getting a raise or enlisting services of a personal financial consultant. Your ticket to financial freedom lies in mastering basic money management.
Financial literacy for OFWs, prepared by the Development Bank of the Philippines. This a good presentation to view and discuss with your domestic helper.
Savings Survey - Imact of Teach Children To Save Summit Laja Shoniran
The Impact of Teach Children To Save Summit and The Use of Ant Bank to Encourage Savings Among Children and Youths
(Combining Savings and Financial Literacy for Poverty Reduction)
Investing in philippine stock market for beginners - a quick start for Filip...Omeng Tawid
Investing in philippine stock market for beginners - a quick start for Filipino (Pinoy) investors:
Excerpt:
Stocks are simply shares of ownership in a
corporation. Thus anyone owning stocks or shares of
a company is called the company’s shareholder or
stockholder. Being a part-owner, you partake in the
performance, growth, earnings and profits, as well as
losses, of these companies.
The stock market is the place where people
converge to buy and sell shares or stocks through an
authorized stockbroker. That means once you have
your broker and enough money to buy stocks, you
can readily start investing in the stock market and
brand yourself as a noble shareholder of giant
fantastic companies.
In the Philippines, the Philippine stock market is the
place where you can invest in Philippine Stock
Exchange (PSE) - listed companies. And only those
people or firms accredited by PSE as authorized
brokers can participate directly in trading and putting
buy or sell orders.
Why Invest? To make your hard-earned money
work even harder for you
Investing enables one’s savings to grow or
appreciate to achieve various
long term financial goals. It is
said to be the most effective
way of building personal
wealth and attaining future
financial
security
for
oneself. It also safeguards
one’s capital against
inflation which erodes
the purchasing power
of your money if it’s not
invested.
Why stock market?
Because history says
so!
The fact is that stock
market is not the only
type of investment present
in the capital market. But history has proven that
nvesting in the stock market over the long-term has
outperformed all fixed-income instruments, plus it
offers good protection against inflation. The market
undeniably continuously experiences highs and lows,
dumps and trumps, and blows and dips, but these
short-term pictures are just tiny pixels compared to
the general uptrend portrait recognized in the long
run.
Who can invest? Everyone can!
Anyone can invest in the stock market. It is a readily
available choice of financial vehicle for those who
want to make their hard-earned money work even
harder for them. Millionaires or not, everyone can
earn in the same battle field.
Everyone motivated can do it.
When should you invest? When you’re ready!
That’s when you have money you won’t need for
your basic expenses, which you would otherwise put
in a bank. It’s better if it’s made available in a longer
time as it allows the investment to ride through the
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
Retirement planning is using your earnings to provide income, after you retire from work. Start planning for retirement now. We can help you use your savings today, to live a comfortable life tomorrow.
Week One material for Wealth Management course.
The information contained in this presentation is for illustrative and informational purposes only and should not be considered investment advice.
Have you ever thought of doubling your income? Ever wondered what to do with your extra money lying around?
''Where To Invest Platform'' is here to help you with that.
Don’t be late, Investing is great!
Your ticket to financial freedom doesn’t lie in getting a raise or enlisting services of a personal financial consultant. Your ticket to financial freedom lies in mastering basic money management.
TÚI XÁCH NỮ
Đối với phái đẹp thì túi xách không chỉ để đựng các thứ đồ lặt vặt như thỏi son, hộp phấn, kẹo ngọt, mắt kính....hay đến chiếc điện thoại yêu dấu, hay những xâu chìa khóa lỉnh kỉnh mà túi xách còn là phụ kiện thời trang không thể thiếu đối với phái đẹp khi đi chơi, đi làm hay đi mua sắm …nếu phối hợp đúng cách với một bộ trang phục thì sẽ giúp phái đẹp thể hiện cá tính, tôn thêm vẻ đẹp, phong cách của mình cũng như tạo ấn tượng tốt với người khác giới....
http://balotuixach.com/tui-xach-nu-1432.html
AppsDesignDesk designs and develops mobile applications for smartphones and tablets running iOS and android operating systems, such as IPhones, IPads & Tablets. We specialize in apps for small and medium size businesses (SME).
super luxury project in heart of central noida and walking 150 acre sports city developed by noida authority for an international exposure. 3 and 4 bhk with king size bedrooms and space.
contact
9873934880
myhomeforeveryone@gmail.com
Before we begin talking about why you need to invest in cryptocurrency, you
will first and foremost need to adopt the right mindset in place. What does
having the right mindset mean?
Having the right mindset means being open-minded, thinking positive, and not
whining or complaining after making a decision and being accountable for the
choices you have made.
Cryptocurrency has revolutionized the way we perceive and conduct financial transactions. With the advent of blockchain technology, cryptocurrencies like Bitcoin, Ethereum, and Litecoin have emerged as secure, decentralized, and transparent forms of digital assets. Unlike traditional banking systems, crypto provides individuals with complete control over their money, eliminating the need for intermediaries and the associated fees. Moreover, cryptocurrencies possess the potential for exponential growth, allowing investors and traders to capitalize on volatile price movements. As governments across the globe explore the benefits of adopting digital currencies, the opportunities for innovation and financial inclusion offered by the crypto space continue to expand. In today's digital age, cryptocurrency embodies the future of finance, enabling individuals to embrace financial sovereignty and participate in a borderless economy.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Buy Verified PayPal Account | Buy Google 5 Star Reviewsusawebmarket
Buy Verified PayPal Account
Looking to buy verified PayPal accounts? Discover 7 expert tips for safely purchasing a verified PayPal account in 2024. Ensure security and reliability for your transactions.
PayPal Services Features-
🟢 Email Access
🟢 Bank Added
🟢 Card Verified
🟢 Full SSN Provided
🟢 Phone Number Access
🟢 Driving License Copy
🟢 Fasted Delivery
Client Satisfaction is Our First priority. Our services is very appropriate to buy. We assume that the first-rate way to purchase our offerings is to order on the website. If you have any worry in our cooperation usually You can order us on Skype or Telegram.
24/7 Hours Reply/Please Contact
usawebmarketEmail: support@usawebmarket.com
Skype: usawebmarket
Telegram: @usawebmarket
WhatsApp: +1(218) 203-5951
USA WEB MARKET is the Best Verified PayPal, Payoneer, Cash App, Skrill, Neteller, Stripe Account and SEO, SMM Service provider.100%Satisfection granted.100% replacement Granted.
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Skye Residences | Extended Stay Residences Near Toronto Airportmarketingjdass
Experience unparalleled EXTENDED STAY and comfort at Skye Residences located just minutes from Toronto Airport. Discover sophisticated accommodations tailored for discerning travelers.
Website Link :
https://skyeresidences.com/
https://skyeresidences.com/about-us/
https://skyeresidences.com/gallery/
https://skyeresidences.com/rooms/
https://skyeresidences.com/near-by-attractions/
https://skyeresidences.com/commute/
https://skyeresidences.com/contact/
https://skyeresidences.com/queen-suite-with-sofa-bed/
https://skyeresidences.com/queen-suite-with-sofa-bed-and-balcony/
https://skyeresidences.com/queen-suite-with-sofa-bed-accessible/
https://skyeresidences.com/2-bedroom-deluxe-queen-suite-with-sofa-bed/
https://skyeresidences.com/2-bedroom-deluxe-king-queen-suite-with-sofa-bed/
https://skyeresidences.com/2-bedroom-deluxe-queen-suite-with-sofa-bed-accessible/
#Skye Residences Etobicoke, #Skye Residences Near Toronto Airport, #Skye Residences Toronto, #Skye Hotel Toronto, #Skye Hotel Near Toronto Airport, #Hotel Near Toronto Airport, #Near Toronto Airport Accommodation, #Suites Near Toronto Airport, #Etobicoke Suites Near Airport, #Hotel Near Toronto Pearson International Airport, #Toronto Airport Suite Rentals, #Pearson Airport Hotel Suites
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Taurus Zodiac Sign_ Personality Traits and Sign Dates.pptxmy Pandit
Explore the world of the Taurus zodiac sign. Learn about their stability, determination, and appreciation for beauty. Discover how Taureans' grounded nature and hardworking mindset define their unique personality.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
2.
“For I know the plans I have for you, declares the
LORD, plans to prosper you and NOT to harm
you, plans to give you hope and a future.”
Jeremiah 29:11 (NIV)
You will be the head and not the tail. You will
lend to many nations, but you will not have to
borrow from any. Excerpt from Deut. 28
In all your ways acknowledge Him and He will
crown your efforts with success. Excerpt from
Proverbs 3:6
5. Saving means to KEEP your money.
Investing means to GROW your money.
6.
Investing is about committing money with the
expectation of getting something in return.
It is making money work for you … NOT you
working for the money.
Active income means you physically have to work
for the money (salary). Passive income is a state
where your money is working hard for you (stock
market).
8.
How do you handle your finances after
receiving your pay (sweldo)?
Most books recommend these 3
simple guidelines:
** 10% Tithes
** 20% Investment Fund
** 70% Personal Expenses
9.
Investing is NOT only for the rich people. This is
a very common misconception. (A Little Extra: Bo
Sanchez taught his maids to invest in stock
market).
Saving in a bank does NOT beat inflation.
Investing does.
You do NOT need to be a financial guru to
understand the basics of investing.
Gains (tubo) does NOT happen overnight!
10.
Time Deposits on the average has 2%
- 2.5% rate of return (per year).
Philippine Stock Market on the average
has 12% - 20% rate of return (per
year).
11.
I invest Php 10,000 today.
I will leave that money for 15 years in the
stock market.
I won’t add any amount and I won’t pull
out any as well.
If I’ll get the lowest average rate of
return (12%) how much should I earn?
13.
I want to be a part-owner of Jollibee.
I can’t go to the owner and tell him I
want to be one of his partners.
By investing in stock market, I can do
that!
That’s how stock market works, we buy
shares of stocks and when they make profit,
we’ll have our share of money too (profitsharing)!
14. There are 2 ways to earn from the
stock market:
Capital Appreciation
Price (per share) of Jollibee last 2010 was
Php 47.50, today’s price is Php 125.00
Dividends
Ayala Land, Inc. issues Php 0.50 dividend
per share.
Between the two, capital appreciation is
a major way to earn in stock market.
15. Assumption is you purchased Jollibee shares last 2010
and you leave it for 3 years. That’s it.
Year
2010
2013
Price
47.5
125
Share
1000
1000
Total
47,500.00
125,000.00
Gain
% of Gain
77,500.00
163%
17. Option 1:
Traditional – Visit Philippine Stock Exchange (PSE) personally, talk
to a broker and tell him that you want shares of Jollibee.
18. Option 2:
Online – Open and fund an account with COL Financial and buy
shares of Jollibee.
19.
20. Each time you buy / sell shares of stocks, an
electronic confirmation will be sent to your e-mail
21.
22.
Open a COL account.
You can either go at their office (Ortigas) or
e-mail the requirements, or have your
documents picked up by COL messengers.
Fund your COL balance.
You can either deposit via online banking (my
favorite!) or deposit via bank (they have
BDO, BPI and Metrobank as their partner
banks).
23.
WHY do we need to invest?
WHAT are the 3 simple steps on how to
budget your personal money?
SAVINGS vs. INVESTING
HOW does stock market work?
Basic action items about COL Financial
24.
What are blue-chip companies?
Simple ways on how to maximize our
earnings in stock market.
What stocks should I be buying?