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1
Properties and Real Estate / Why people buy condominium
« on: May 28, 2017, 07:17:48 PM »
Why people buy condominium



2
Stocks and Stocks Trading / Ano ibig sabihin ng STOCK MARKET?
« on: April 17, 2017, 04:50:19 PM »
Mahilig tayo manood ng balita sa TV, pero kapag napupunta na sa business news ang balita at pinaguusapan na ang stock market, nililipat na natin ang channel kasi wala tayong maintindihan sa mga pinagsasabi ng reporter, at kung ano ba yung mga numerong umaandar na may iba’t ibang kulay.

Ano Ba Ang Stock Market?

“The stock market is a place where shares of stock of publicly-listed companies are bought and sold.”

Paghimayin natin ang nasa itaas.

The stock market is a place…

Ang stock market ay isang palengke na medyo sosyal. At gaya ng isang palengke, may mga tindero’t tindera rin dito. Pero imbes na karne, gulay, isda, at prutas ang paninda nila, ang mabibili mo dito ay ang tinatawag na stocks.


The Philippine Stock Exchange Trading Floor
Dito sa atin, ang Philippine Stock Market ay matatagpuan sa Philippine Stock Exchange o PSE sa Ortigas at sa Makati. Dati, ang stock market ay para talagang palengke kasi nagsisigawan ang mga tao at kailangan nilang gumamit ng mga hand signals para magkaintindihan sila sa gitna ng mga sigawan. Pero computerized na sila ngayon kaya wala nang sigawan.

Ang PSE ay nagbubukas ng 9:30 ng umaga hanggang 12:00 ng tanghali, at magpapatuloy ito mula 1:30 hanggang 3:30 ng hapon.

…where shares of stock…

Ang stock ay isang bahagi ng pagmamay-ari o ownership sa isang kumpanya. Isa lang ang ibig sabihin ng stock, share, or shares of stock. Kapag ikaw ay bumili ng stocks sa isang kumpanya, ikaw ay magiging isa sa mga may-ari nito. Ang tawag sa’yo ngayon ay isang stockholder o shareholder. At bilang isa sa mga may-ari, ikaw ay makakakuha ng dividend o bahagi ng kita ng kumpanya. Naipaliwanag ko dito ang stocks bilang isa sa mga investment vehicles.

…of publicly-listed companies are bought and sold.

Ang mga publicly-listed na mga kumpanya lang ang pwedeng magbenta ng stocks. Para maging “public” ang isang kumpanya, kailangan nitong mag apply sa Philippine Stock Exchange. Ang PSE ang responsable sa screening ng kumpanya para matiyak na ito ay legal, may track record ng negosyo, at hindi bigla biglang mawawala. Sa ngayon, meron nang 288 na mga kumpanya ang nasa listahan ng PSE at dumadami ito bawat taon. Makikita mo ang listahang ito dito.

So, kapag may mabasa ka o marining na, “Company ABC goes public”, ang ibig sabihin nito ay nagbebenta na sila ng shares sa publiko. But why do companies go public? Well, para magkaroon sila ng dagdag na puhunan para matugunan ang kanilang paglaki. Ang isang kumpanya na lumalaki ay lumalaki din ang gastos. Pwede silang mangutang sa bangko o kaya ay mag issue ng bonds (tinalakay ko ang bonds dito). Yun nga lang, madadagdagan ang gastusin nila dahil sa interest ng inutang nila. Para maiwasan nilang magkautang, maghahanap sila ngayon ng mga investors sa pamamagitan ng pagbebenta ng stocks.

How The Stock Market Works
How The Stock Market Works
Ang tawag naman sa mga tindero’t tindera ng stocks ay brokers o stockbrokers. Sila lang ang binigyan ng authority ng PSE para bumili at magbenta ng mga shares of stocks sa mga investors na katulad natin. Sa kanila lang tayo pwedeng bumili. May ilang kumpanya na binibigyan ang kanilang mga empleyado ng stock options bilang isa sa mga benefits nito, pero sa pangkalahatan, pwede ka lang bumili at magbenta ng stocks sa isang broker.

May dalawang klase ng brokers: ang live broker at ang online broker.

Live Broker

Ang live broker ay isang licensed professional na hahawak sa ‘yong mga stocks. S’ya ang tatawagan mo kapag may gusto kang bilhin o ibentang stocks.

Pro:

Pwede ka n’yang mabigyan ng payo tungkol sa iyong investment.
Cons:

Mas mataas ang transaction fees — up to 5% — dahil kasama dito ang komisyon.
At dahil may komisyon, meron itong minimum na investment requirement na pwedeng umabot sa ilang milyong piso.
Online Broker

Sa online broker naman, ikaw mismo ang bibili at magbebenta ng iyong mga stocks sa pamamagitan ng computer na may internet access.

Pros:

Sobrang baba ng transaction fees — for as low as 0.25%.
Pwede ka nang mag invest sa halagang P5,000.
Meron silang samut-saring mga reports at mga information sa bawat publicly-listed companies na makakatulong sa iyong desisyon kung saang mga kumpanya ka mag i-invest.
Con:

Ikaw mismo ang bibili o magbebenta ng iyong mga stocks, so kailangan mong mag aral ng kaunti.
Maraming online broker dito sa Pilipinas pero para sa akin, ang CitisecOnline ang the best. Sila kasi ang pinakamalaking online broker ngayon sa buong bansa. Marami silang mga research, reports, at mga information sa bawat kumpanya. Meron silang listahan ng mga kumpanyang nire-recommend nila para sa ating mga long-term investors. Meron din silang mga libreng seminar bawat linggo sa Ortigas kung paano mag invest sa stock market. Pwede mo rin silang imbitahan sa inyong probinsya para mag conduct ng seminar doon. But wait, there’s more! Ang CitisecOnline ay isa ring publicly-listed company, kaya pwede ka ring bumili ng stocks nila. Saan ka pa?!

Disclaimer: Hindi po ako empleyado o ahente ng CitisecOnline. Hindi rin ako binabayaran (wish ko lang! hahaha) para i-recommend ko sila sa inyo. Isa lang akong happy and satisfied customer

3
Dining Treats with DADS-Kamayan-Saisaki & Sambo Kojin

Promotion Mechanics:
The promotion is open to all active Basic and Supplementary Cardmembers of American Express® Cards issued by BDO (except The American Express® Cashback Credit Card – Card No. starting with 3776 93 and American Express® Corporate Cards).
BDO American Express Cardmembers who meet the minimum spend requirement in a single-receipt transaction from February 1 to March 31, 2017 are entitled to redeem a FREE Buffet Gift Cheque for one (1):
Dads-2017-Offers-Table-Dining-Treats
Redemption of the Buffet Gift Cheque is from February 1 to May 30, 2017 (11AM to 2PM or 6PM to 9PM) from participating partner branch outlets.
The following transactions are qualified, including, but not limited to:
Local Retail Transactions (Straight or Installment)
Foreign Currency Purchases
The following transactions are excluded from this promotion:
Transactions from gas/service stations
Casino, betting or gambling transactions
Online or Internet transactions
Recurring Payment System
Auto Charge
Cash advances made via ATM or over the counter
Charge on Demand
Mail Order/Telephone Order
Balance Transfer/ Balance Convert
Easy Pay Convert/ Easy Pay Cash or Cash It Easy
Business transactions as well as from merchants specifically engaged in wholesale (ex. Warehouse clubs) and distribution (ex. Food supplement dealers, multi-level marketing)
To redeem, a BDO American Express Cardmember must:
Present his/her active BDO American Express Card to the participating redemption outlets.
American Express Card may be swiped and transaction details keyed in for validation using the promotion redemption terminal. No additional charges will be incurred for redemption.
Submit qualified original Customer Copy of the charge slip(s).
Splitting of transactions for purposes of generating multiple charge slips is prohibited.
For multiple slips generated from the same merchant, store or establishment made within the same day, only one (1) qualified charge slip will be accepted for redemption per Cardmember even if he/she has more than one (1) qualified BDO American Express Card. Remaining charge slips will not be accepted.  The cost of the treat redeemed through the use of the remaining charge slips shall be charged to the Cardmember's BDO American Express Card or directly collected from the Cardmember.
Only one (1) redemption per qualified charge slip is allowed.
Ensure that the transaction date, transaction amount and 6-digit approval code on the charge slips are readable upon redemption. BDO shall not be obliged to recognize or replace any unissued, misplaced, lost, faded or stolen charge slip(s).
By participating in the promotion, the Cardmember agrees to voluntarily submit the valid original Customer Copy of his/her charge slip(s) to a participating establishment upon redemption of Gift Cheque(s).  Neither the bank nor the participating redemption outlets are liable to return the submitted charge slip(s) or produce copies for  the Cardmember's records.  However, the Cardmember may request for the retrieval of the copy of the charge slip(s) subject to BDO Credit Cards Terms and Conditions.
Gift Cheque(s) are not convertible to cash and may only be availed at the participating redemption outlets specified.
Gift Cheque(s) are not for resale. Any activity involving reselling of the treats will be deemed fraudulent.
Cardmembers can no longer return/exchange the Gift Cheque(s) once availed.
The Cardmember will be charged the cost of the Gift Cheque(s) redeemed should the Cardmember cancel the qualifying purchase or transaction at a later date or if the charge slip used to redeem the Gift Cheque is found to be fraudulent. Similarly, if his/her redemption is found to be invalid, BDO reserves the right to charge the cost of the redeemed Gift Cheque(s) to his/her BDO American Express Card or directly collect the cost of the treat from the Cardmember.
In case of dispute in respect of but not limited to the Cardmember’s eligibility, coverage of dates, fulfillment etc., BDO’s decision shall prevail. All questions or disputes regarding the Cardmember’s eligibility for the Promotion  or for any redemption shall be resolved by BDO with the concurrence of DTI.
This promotion cannot be availed with other ongoing promotions and offers of BDO and all ongoing promotions and loyalty programs of DADS-Kamayan-Saisaki & Sambo Kojin.
Promotion is valid for dine-in transactions only.
Use of Buffet Gift Cheque is subject to the following Terms and Conditions:
Gift Cheque is valid for use at participating DADS-Kamayan-Saisaki or Sambo Kojin branches one (1) year after issuance date.
Gift Cheque is valid for use on weekday, weekend or holiday lunch or dinner buffet.
Gift Cheque is not convertible to cash, non-refundable, nor available for cash purchase and not for resale.
 Redemption-Outlets-DADS-Kamayan-Saisaki-Saisaki-Dining-Treats-2017
 
DTI-FTEB Permit No. 0949, Series of 2017.
American Express is a trademark of American Express.
These Cards are issued by BDO pursuant to a license from American Express.

4
TODO IDD TAWAG ABROAD - SUN CELLULAR INTERNATIONL PROMO UPDATE


TODO IDD Tawag Abroad - P50.00:
- SUN Subscriber
- You need to have 50 pesos worth of regular load
- 20 TriNEt SMS and 15 min TriNet Calls
- P2.00/min - P5.00/min (IDD Per Minute Rates)
- valid for 15 Days
- Just text TODOIDD50 and send to 247

TODO IDD Tawag Abroad - P100.00:
- SUN Subscriber
- You need to have 100 pesos worth of regular load
- 30 TriNEt SMS and 30 min TriNet Calls
- P8.00/min - P10.00/min (IDD Per Minute Rates)
- valid for 30 Days
- Just text TODOIDD100 and send to 247

The list of countries that you call using the international promo above:
US (Main), Canada, Hong Kong, Singapore, China, Guam, Hawaii, Australia, Malaysia, South Korea, Taiwan, Macau, Brunei, Thailand, India, Nothern Marianas, Japan, Italy, Bahrain, Kuwait, Saudi Arabia, UAE, UK, Indonesia, Spain, France

Just enjoy under the SUN..!

5
Para sa mga nag titipid ng LOAD

SUN CTC30 – TEXT TO ALL NETWORKS + CALLS TO TRINET PROMO


Availment, benefits and requirements of CTC30 Promo:
- 30 pesos only
- 150 texts to other networks
- 150 Sun texts
- Plus 40 minutes of calls to Sun, Smart & TNT
- Valid for 3 days of use
- Just text CTC30 and send to 247

After sending your registration just wait for confirmation message regarding to your registration, be patient, sometimes it takes a minutes to validate your registration.

6
Ano po ba difference ng  a manager's check and a personal check?

7
Saan ba ang pinaka the best law school dito sa Pilipinas?

8
What could be the effect of Donald Trump winning the US elections to Philippines?

Ano kayang impact neto sa atin?

9
I only wonder whether there's an emergency fund suited fro Traveling.. You know personal finance books and blogs discuss the importance of having an emergency fund – your “rainy day fund”. so i wonder if this is applicable also to traveling?

10
Credit Cards and Promos / Endless Privileges at Resorts World Sentosa
« on: September 12, 2016, 02:45:34 PM »
Endless Privileges at Resorts World Sentosa
Promo Period:  until December 31, 2016
Qualified Cards:  All BDO MasterCard Branded Cards
 
Promo Offers:
 
   
S.E.A. Aquarium/Adventure Cove Waterpark Family Bundle
Get 1 Adventure Cove Waterpark plushie worth S$5.90 for every Adventure Cove Waterpark family bundle at S$78 (U.P. S$98) or 3 Typhoon Theatre passes for every S.E.A. Aquarium family bundle at S$64 (U.P. S$86) until August 31, 2016.
 

Staycation Packages
Exclusive 3D2N Multi-Attractions Package at Genting Hotel Jurong from S$498 or at Equarius Hotel, Hotel Michael, Hard Rock Hotel Singapore or Festive Hotel from S$678 until December 31, 2016.
 

Universal Studios Singapore™ VIP Tour
Enjoy 10% savings everytime you book a VIP Tour for a minimum of two (2) and a maximum of twelve (12) guests until December 31, 2016. To reserve your VIP Tour, please call (65) 65776077 or email at rwstours@rwsentosa.com.
 

Dining Offers
Enjoy 10% savings when you dine (with no required minimum spend). Valid until December 31, 2016.

Valid for purchase at onsite ticketing booths and at www.rwsentosa.com/mastercard.
Terms and Conditions apply.           
   
Promo Mechanics:

For S.E.A. Aquarium / Adventure Cove Waterpark Family Bundle:
The promotion is applicable for online purchase from 7 May to 31 August 2016 for park visits from 7 May to 31 August 2016, for online purchase in Singapore only.
Receive an Adventure Cove Waterpark plushie worth S$5.90 for every Adventure Cove Waterpark family bundle purchased with your MasterCard®.
Bundle includes:
Two (2) Adventure Cove Waterpark One-Day Adult Passes
One (1) Adventure Cove Waterpark One-Day Child Pass
One (1) Adventure Cove Waterpark plushie
Receive three (3) Typhoon Theatre passes for every S.E.A. Aquarium family bundle purchased with your MasterCard®.
Bundle includes:
Two (2) S.E.A. Aquarium One-Day Adult Passes
 One (1) S.E.A. Aquarium One-Day Child Pass
Three (3) Typhoon Theatre Passes
Promotion is valid for purchase of up to 6 packages per transaction.
Promotion is not valid with any other discounts and promotions.
The promotional passes are non-refundable and subject to availability.
Payment must be made with a MasterCard credit, debit or prepaid card.
For Adventure Cove Waterpark family bundle, each e-voucher is entitled to redeem one (1) Adventure Cove Waterpark plushie at Reef n' Wave Wear shop located within the park.
Redemption is valid on same day of visit only. Offer is valid while stocks last.
Resorts World Sentosa reserves the right to amend or add to the Terms & Conditions at any time without prior notice. Others general Terms & Conditions apply.

For MasterCard® Exclusive - Genting Hotel Jurong 3D2N Multi Attractions Package Special with $50 Dining Vouchers from S$498:
Package includes:
Two Nights Superior Room Stay at Genting Hotel Jurong
One Day Adult Pass to Universal Studios Singapore for Two
One Day Adult Pass to S.E.A. Aquarium for Two
One Day Adult Pass to Adventure Cove Waterpark for Two
 
This promotion is applicable for booking from 1 March till 29 June 2016.
Stay period is from 1 March till 30 June 2016. Black-out dates 6-7 June 2016.
Promotion rates may vary depending on selected stay dates, subject to changes without prior notice.
Booking and stay period excludes Super Peak and Black-Out Dates.
Payment must be made with a MasterCard Credit or Debit Card.
No minimum spend is required for dining vouchers.
Dining vouchers are valid for redemption at Universal Studios Singapore® only.
Limited number of packages is available for sale per day. Confirmation is subject to availability.
Rate is applicable for up to 2 persons, on a per package basis and inclusive of 7% Government Tax and 10% Service Charge.
No refund will be made for cancellation of the booking and for any unused services included in the package.
Amendment of dates is not permitted after package is confirmed.
Not valid in conjunction with other promotional offers.
Rates are subject to change without prior notice.
Genting Hotel Jurong reserves the right to amend or add to the Terms and Conditions at any time without prior notice.
Other standard Terms and Conditions apply.

For MasterCard® Exclusive - Genting Hotel Jurong 3D2N Multi Attractions Package from S$498:
Package includes:
Two Nights Superior Room Stay at Genting Hotel Jurong
One Day Adult Pass to Universal Studios Singapore for Two
One Day Adult Pass to S.E.A. Aquarium for Two
One Day Adult Pass to Adventure Cove Waterpark for Two
 
This promotion is applicable for booking from now till 28 December 2016. Stay period is from now till 31 December 2016.
Promotion rates may vary depending on selected stay dates, subject to changes without prior notice.
Booking and stay period excludes Super Peak and Black-Out Dates.
Payment must be made with a MasterCard Credit or Debit Card.
Limited number of packages is available for sale per day. Confirmation is subject to availability.
Collection of package items will be at the Hotel's Front Office upon check-in.
Rate is applicable for up to 2 persons, on a per package basis and inclusive of 7% Government Tax and 10% Service Charge.
No refund will be made for cancellation of the booking and for any unused services included in the package.
Amendment of dates is not permitted after package is confirmed.
Not valid in conjunction with other promotional offers.
Rates are subject to change without prior notice.
Genting Hotel Jurong reserves the right to amend or add to the Terms and Conditions at any time without prior notice.
Other standard Terms and Conditions apply.
 
For 3D2N Hotel & Multi-Attractions Package Special with $50 Dining Vouchers from S$678:
Package includes:
Two-night stay at a choice of Equarius Hotel™ Deluxe Room, Hotel Michael™ Deluxe Room, Hard Rock Hotel Singapore Deluxe Room or Festive Hotel™ Deluxe Family Room
One Day Adult Pass to Universal Studios Singapore for Two
One Day Adult Pass to S.E.A. Aquarium for Two
One Day Adult Pass to Adventure Cove Waterpark for Two
 
This promotion is applicable for booking from 1 March till 29 June 2016.
Stay period is from 1 March till 30 June 2016. Black-out dates 5-7 June 2016.
Promotion rates may vary depending on selected stay dates, subject to changes without prior notice.
Booking and stay period excludes Super Peak and Black-Out Dates.
Payment must be made with a MasterCard Credit or Debit Card.
Limited number of packages is available for reservation per day. Confirmation is subject to availability.
Rate is applicable for up to 2 persons, on a per package basis and inclusive of 7% Government Tax and 10% Service Charge.
No refund will be made for cancellation of the booking and for any unused services included in the package.
Amendment of dates is not permitted after package is confirmed.
Not valid in conjunction with other promotional offers.
Rates are subject to change without prior notice.
Resorts World Sentosa reserves the right to amend or add to the Terms and Conditions at any time without prior notice.
Other standard Terms and Conditions apply.

For 3D2N Hotel & Multi-Attractions Package from S$678:
Package includes:
Two-night stay at a choice of Equarius Hotel™ Deluxe Room, Hotel Michael™ Deluxe Room, Hard Rock Hotel Singapore Deluxe Room or Festive Hotel™ Deluxe Family Room
One Day Adult Pass to Universal Studios Singapore for Two
One Day Adult Pass to S.E.A. Aquarium for Two
One Day Adult Pass to Adventure Cove Waterpark for Two
 
This promotion is applicable for booking till 28 December 2016. Stay period till 31 December 2016.
Promotion rates may vary depending on selected stay dates, subject to changes without prior notice. Booking and stay period excludes Super Peak and Black-Out Dates.
Payment must be made with a MasterCard Credit or Debit Card.
Limited number of packages is available for reservation per day. Confirmation is subject to availability.
Rate is applicable for up to 2 persons, on a per package basis and inclusive of 7% Government Tax and 10% Service Charge.
No refund will be made for cancellation of the booking and for any unused services included in the package.
Amendment of dates is not permitted after package is confirmed.
Not valid in conjunction with other promotional offers.
Rates are subject to change without prior notice.
Resorts World Sentosa reserves the right to amend or add to the Terms and Conditions at any time without prior notice.

For Universal Studios Singapore VIP Tour World Elite MasterCard Cardholders Promotion:
Enjoy 10% savings everytime you book a VIP Tour with your MasterCard.
Additional benefits for World Elite MasterCard Cardholders:
Exclusive tour
Year-long lounge access
Unlimited Universal Express access to all attraction before or after tour
Exclusive VIP Tour for a minimum of two (2) guests and a maximum of twelve (12) guests.
Exclusive backstage tour whenever applicable.
Unlimited Universal Express® access to all attractions before or after guided tour.
Five (5) hour tour of Universal Studios Singapore®. Tours depart throughout the day, please enquire with VIP Tour Reservations for available timings.
Tours are available in English and Mandarin. Please check on the availability of other languages.
Reservations are required and must be made at least 48 hours in advance. To reserve your VIP Tour, please call (65) 65776077, email us at rwstours@rwsentosa.com.
Enjoy access of the USS VIP Lounge (daily from 12 noon to 6pm) throughout the year for World Elite MasterCard cardholders that buy the standard One-Day pass (non VIP Tour).

For Universal Studios Singapore VIP Tour Other MasterCard Cardholders Promotion:
Tours are non-exclusive and will accommodate a minimum of two (2) guests and a maximum of twelve (12) guests.
Five (5) hour tour of Universal Studios Singapore®. Tours depart throughout the day, please enquire with VIP Tour Reservations for available timings.
Tours are available in English and Mandarin. Please check on the availability of other languages.
Reservations are required and must be made at least 48 hours in advance. To reserve your VIP Tour, please call (65) 65776077, email us at rwstours@rwsentosa.com.

For Restaurant (Year-long) Promotions:
Enjoy 10% savings year-long (with no required minimum spend).
Offer is valid only at participating outlets owned by Resorts World Sentosa.
Discount is not applicable for Set Menus and alcoholic beverages.
Not valid on eve of Public Holiday and Public Holiday.
Offer is not valid in conjunction with other discounts, offers, privileges and other promotions.
Payment by MasterCard only.
Resorts World Sentosa reserves the right to vary or amend any terms and conditions at anytime without prior notice.

Per DTI-FTEB SPD Permit No. 2552, Series of 2016.

11
Credit Cards and Promos / BDO Credit Card Thread
« on: August 23, 2016, 08:08:33 PM »
This is our section to discuss about BDO Credit Card and Existing promos. Post nyo lang dito mga concerns nyo.


12
Mas ok ba gamitin ang BDO Nomura kesa sa BPI Trade or COLFinancial? sa mga traders po dito? kamusta?

13
Based on Licensure Exams;


<a href="http://nap.psa.gov.ph/ncs/11thNCS/papers/invited%20papers/ips-05/01_The%20Best%20and%20Worst%20Performing%20Schools%20in%20the%20Philippine%20Licensure%20Examinations%20at%20the%20Start%20of%20the%20Third%20Millennium%20(2006-2007).pdf" target="_blank">http://nap.psa.gov.ph/ncs/11thNCS/papers/invited%20papers/ips-05/01_The%20Best%20and%20Worst%20Performing%20Schools%20in%20the%20Philippine%20Licensure%20Examinations%20at%20the%20Start%20of%20the%20Third%20Millennium%20(2006-2007).pdf</a>

14
Sa mga naghahahanp or nagpaplan mag MBA which school are you eyeing to? at bakit nyo naisipan doon?

15
Stocks and Stocks Trading / Paano kumita sa Stock Market?
« on: June 12, 2016, 04:27:21 PM »
Paano kumita sa Stock Market?


! No longer available

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