Digital Floors and Ceilings

Photo by  freestocks.org  on  Unsplash It's almost Christmas again, in fact it started last 2 months ago in the Philippines. The festivities will not be complete without some extra money, for us employees, which will be from our 13th month pay. So here are the list of things we can do with this pay. 1. Buy a new phone! I know you want that Iphone 11 and Samsung S10 with state of the art selfie camera quality and superb new features.  2. Fill up that coffee sticker to get a planner. That leather, suede and iconic siren is really irresistible! 3. Buy your wife/husband/partner a really nice gift. The smile on their faces would be priceless after receiving that gift. 4. Christmas shopping! Whether toys and clothes for our kids and godsons and daughter. Decorations and food for our home. 5. Book that vacation trip! Travel sale is just a few clicks away  6. New furniture for our house. That new sofa, dining table, or shoe rack is per...

Photo by  Rami Al-zayat  on  Unsplash This year is a great year for the Philippines in terms of development in available payment apps. BSP pushing more use of electronic retail payments by 2020 is a boon for these payment apps. There are also mergers and acquisitions that made those resources behind the apps bigger and better. What are the advantages of one from another and who are the leads and runner ups so far? Below are few of the unique features  GCash GCash Forest You can help plant in Ipo watershed thru earning green energy. Green energy can be collected thru walking and using the functionalities of the app. Instapay Transfer Free transfers instantly to any local bank account. 100K monthly limit Invest Money Investment fund which offers the lowest initial and top up with just 50 pesos GSave Save money as high as 3% per annum in partnership with CIMB Philippines Paymaya Virtual Card This is like a debit card which can be used ...

For us who were born in the 70's to 80's, we grew up with our "alkansya" whether piggy bank, bamboo, jars, or tin can. It is where we put our precious coin savings (if there are any left from our baon/allowance). This is where we start to learn the value of savings even before being introduced to banks and "paluwagan".  A few months ago, I thought of how to maximize these loose change and excess allowance and add to existing investments but the amounts are small considering the minimum of most investment funds and time deposits. Sitting in a regular bank account, these small amount would have an interest of 0.10% to 0.25% per annum if you meet the minimum for interest eligibility. Time deposit minimums ranges from 10,000 pesos to 50,000 pesos while mutual funds and UITFs minimum ranges from 1,000 to 50,000.  I was able to identify a few alternatives: Digital Banks ING and CIMB launched last 2018 their mobile banking services. You c...

"100 SME Banking Mobile Apps"   by  Oleg Kapush  is licensed under  CC BY-NC-ND 4.0  Mobile internet usage have grown globally. Philippines mobile internet use grew from around 30 million to 40 million this year and estimated to reach 48 million next year. Banking sector is now using this channel to reach more customers and expand customer base.  Last year, two international banks launched their branchless bank in the country utilizing mobile app as their only channel for the customer. ING, a global bank, European origin with headquarters based in Amsterdam, Netherlands started to offer their mobile banking app capable of  mobile account opening, higher interest rate, and check image deposit. CIMB (Commerce International Merchant Bankers), leading ASEAN universal bank introduced their mobile banking app with mobile account opening, higher interest rate, bills payment, ATM card withdrawals free from fees at any ATM machine locally including...

"home is where the heart is"   by  Iqbal Osman1  is licensed under  CC BY 2.0  Fundamental analysis involves reviewing the valuation of the company and comparing it to the market and/or existing competition. It is then decided to be overvalued and undervalued based on these intrinsic factors. However, extrinsic factors also come in play like the macroeconomic fundamentals and industry regulations. Quantitative analysis includes the numbers seen in the financial statements and then translated into financial ratios to aid in decision making. There is one factor which belongs to qualitative analysis  that I usually look into, the management. They are the ones executing the plan and achieving the numbers. In the case of recent IPO of All Home, it is led by the Villars. Based on historical performances of their listed stocks, they are known to take care of the value of their stocks. Vistamalls (STR), Vista Land (VLL), and Golden Bria Holdings (HVN)...

"niyog"   by  foCusRinG  is licensed under  CC BY-SA 2.0  It was my first time using the platform of PSE for LSI or local small investors, PSE EASy, which stands for Philippine Stock Exchange Electronic Allocation system.  For those who want to know more about IPO or Initial Public Offering in Philippines setup, I’ve written previous articles about it so you can check it out but it is based on old system of LSI wherein you need to manually fill up forms and maximum subscription per individual is 25K Pesos. The first IPO that was offered using PSEASy is KPPI, Kepwealth Property Philippines, Inc. A property leasing and investment company primarily based in Cebu. Unfortunately, I don’t have funds to try the platform for the first time but I already registered and linked by broker to my PSEASy. KPPI had a good listing day followed by another sets of ceilings.  For the second IPO of the year, I was able to subscribe and w...

"SD4_6439"   by  Web Summit  is licensed under  CC BY 2.0  It's been a while since I wrote something in this blog. Workload and personal life demanded lots of time lately. During this holiday break, there seems to be something that made me write again. Last 2016, I decided to try something new as a sort of investment CFD (Contract for Difference). The difference between where a trade is entered and exited is the contract for difference (CFD). A CFD is a tradable instrument that mirrors the movements of the asset underlying it. It allows for profits or losses to be realized when the underlying asset moves in relation to the position taken, but the actual underlying asset is never owned. Essentially, it is a contract between the client and the broker. My initial strategy is to put 50% of my portfolio into copying trades of others and 50% trading on my own. During my first month, I made several successful trades when I concentrated in trading gold. T...