RSS

Monthly Archives: March 2014

The Story of Mr. Invest Now, Mr. Catch Up and Mr. Wait Longer

(NOTE: I DO NOT OWN THIS ARTICLE. CREDITS TO https://www.facebook.com/readytoberich and

http://fitzvillafuerte.com. THIS ARTICLE IS WORTH SHARING^_^)

 

The Story of Mr. Invest Now, Mr. Catch Up and Mr. Wait Longer

This is the story of three friends who were born on the same year.

Their names are Mr. Invest Now, Mr. Catch Up and Mr. Wait Longer.

On their 30th birthday, they went drinking in a bar.

Towards the end of the night, Mr. Invest Now said, “I want to start investing now. I’ll invest P20,000 every year until our 40th birthday. Do you want to join me?”

“Not now, I’ll invest and catch up with you later,” said Mr. Catch Up.

“Not now, I’ll wait a little longer, and invest when my salary’s higher,” said Mr. Wait Longer.

On their 34th birthday, the three friends met again at the same bar.

“I’m ready to invest,” announced Mr. Catch Up. “I’ll invest P20,000 every year but I won’t stop on our 40th birthday. I’ll invest until we’re 60!”

“Great to hear that! How about you?” Mr. Invest Now asked Mr. Wait Longer.

“Now now, I’ll wait a little longer, when I have more money,” answered Mr. Wait Longer.

On their 40th birthday, the three friends were in their favorite bar once more.

“This is my final year of investing! I’ll no longer invest starting next year,” announced Mr. Invest Now.

“I’m not stopping,” said Mr. Catch Up. “I’ll continue investing until we’re 60 years old.”

“Finally, I will start investing!” said Mr. Wait Longer. “And I will invest P50,000 every year until we’re 50 years old.”

On their 61st birthday, the three friends decided that they will go to Munich to attend the Octoberfest.

They took out their investments, which they all placed in the same mutual fund.

If the compounded annual growth rate of the investment is 10%, who do you think made the most money?

The tables below will show the answer.

Mr. Invest Now

Image 

 

Mr. Catch Up

Image

 

Mr. Wait Longer

Image

The Clear Winner

Image

Time to answer a question…

Are you going to invest now, catch up later, or choose to wait longer?

The first step towards becoming an investor is to learn how to save money REGULARLY – it should become a habit. Build an emergency fund first. If you have dependents, then you must get life insurance. You should be ready for any financial emergency that could come any time in your life.(from Ready to be rich) 

 
Leave a comment

Posted by on March 22, 2014 in BUSINESS IDEAS 101

 

Tags: , ,

Pag-ibig nga naman…

Nasubukan mo na bang umibig ng matindi? Yung feeling mo, “sana siya na”?

Paano ba idescribe na CONFIRMED, mahal mo nga siya!? Sabi nila, yung tipong siya lagi laman ng utak mo kahit busyng-busy ka naman… mayat-maya lagi syang pumapasok sa kokote mo.. yung pag may nagtext, inaasam-asam mo lagi na sana siya ang makikita mo sa screen ng cellphone mo at sinasabing nagmessage siya, yung matutulog ka na nga lang, siya pa din iniisip mo tapos pagkamulat mo pa lang ng mata mo sa umaga, siya agad ang kakatok sa natutulog mo pang diwa at parang nagsasabing, “bagong umaga na naman, ano kaya gawa ng mokong na yun?” o kaya automatic na lang parang last song syndrome lang yung pangalan nya, kakagising mo pa lang, siya agad pambungad. Baka nga siya pa naging laman ng panaginip mo eh, hehe. Yung kung pwede lang itali mo siya sa tabi mo para lagi mo siyang kasama at kahit simpleng ngiti niya lang sayo, kumpleto na ang araw mo, haay. Ang sarap mainlab.

Pag-ibig nga naman, pag tinamaan ka na, hahamakin ang lahat masunod ka lamang. Nakakaloka noh? Ang sarap umibig yun nga lang paano kapag yung itinitibok ng puso mo, hindi mo maaaring mahalin. Minsan naiisip mo, sana hindi mo na lang yun naramdaman, sana hindi ka nalang na-fall. If you can only turn back the hands of time, you will not want to fall in love with that person because it will only complicate things. Pero yun lang, katulad nga ng sinasabi ng marami, love is really magical. Magugulat ka na lang, may something ka na pala sa kanya and worse, its not that easy to erase the feelings. Kung pwede lang pigilan ang pagtibok ng puso, gagawin mo para lang hindi tuluyang lumaki ung binhi dyan sa puso mo — kasi baka unaware ka na pala, yung akala mong pagmamalasakit pagmamahal na pala.

Haay, paano nga ba? Well I guess I have to agree that acceptance is the key. All things in our lives happens for a reason. We meet people not by accident but by fate. Some will bring out the best in us, others will test how strong we are, others will teach us immeasurable lessons that we need in order to be better and bolder. At syempre may mga tao na kahit gusto nating manatili sa ating buhay pero hindi pwede. Marahil sapat na yung gagawin natin ang parte natin sa kwento, making an effort for them to stay and its up to them to make a choice whether to go or be with us.

I believe that if a person really wants to be part of our life, he will surely make a way to stay. And if things doesn’t turn out the way we wanted, someday somehow we will eventually understand why it did not work out today.complicated love

 
Leave a comment

Posted by on March 22, 2014 in Love notes

 

Tags: , ,

Ang nakakapraning na paghihintay (Job Hunt)

Waiting-for-Call-Back-Interview

Ngayon ko lang napagtanto, nakakapraning palang maghintay noh? Yung paghihintay ng resulta kung natanggap ka ba o hindi sa trabahong inaapplyan mo. Nung una akala ko madali lang, di bale may experience naman ako, di bale mabait naman ako, hehe, di bale tingin ko naman mas may ex-factor ako (kunwari).

Pinalad kasi ako sa una kong trabaho na pagkagraduate, nakuha ako agad at sa loob ng halos apat na taon, napagdesisyunan ko na lumipat ng trabaho. Yun nga lang sa nature ng trabaho ko, mahirap pagsabayin ang pagtatrabaho at pag-aapply ng panibago kaya pinasya kong tuluyang tuldukan ang nakagawian ko. Akala ko ganun lang kadali. Pero challenging pala. Sa loob-loob ko, habang humahaba ang oras ng paghihintay, lalong nakakapressure. Yung akala kong madali lang, unti-unti hinuhugot nito ang self-confidence na binibitbit ko sa bawat interview na pinupuntahan ko.

Just recently, I’ve had my 3rd set of interview sa isang kumpanya na inaasam ko at ipinapanalangin ko na sana makuha ako. The interview went well, tingin ko nakapuntos naman ako kahit kaunti lang, hehehe. Nabanggit naman na may ikaapat pang interview, final na daw. Sa loob-loob ko, yes, mukhang may pag-asa ako kasi vinoice out ulit nung Hr pagkalabas ko sa opisina ni bossing na hintayin ko na lang daw dahil magrereach out daw sila pag nakuha nila ang confirmation ng schedule ng 4th interview. Masaya,feeling happy ako nung araw na un dahil umaapaw yung pag-asa at determinasyon na nararamdaman ko… pero yung mga sumunod na araw, well its really making me feel tensed.

Time check, its the 5th day since that interview happened. And from day 1 of waiting until now, sa bawat pagtunog ng cellphone ko naeexcite akong tignan na baka si Madam Hr na yun. Ni hindi ko nga maiwan ang cellphone ko from the moment I open my eyes sa umaga hanggang sa pagtulog ko sa gabi. Sabi ng mga malapit sakin na nakakaalam sa application ko, hintayin ko lang.. relax, smile and dont worry too much which I am really trying to do. And honestly, the feeling gets harder day by day because I cant really get it off my mind.

Just this Sunday, it brought a smile on my face na yung homily ni Father, saktong sakto sa kailangan kong marinig. Nakakatuwa dahil what he said brought me into the realization na why am I really worrying too much when in fact as he had quoted, “Seek first the kingdom of God and He will take care of the rest for He knows everything that you need.” Dinagdag pa nya na kung ang isang ina ay kayang abandunahin ang sarili nyang mga anak, ang Panginoon hinding-hindi nya tayo iiwan. At gaya nga daw ng sinabi na pray and work–hindi naman daw sinabing pray and pray o di kaya ay work and work kundi magbigay pugay tao sa Kanya at pagsumikapan natin ang ating trabaho. Magsumikap ka lang at magtiwala. Father ended saying that we should not be anxious about tomorrow for tomorrow has its own time. Tumpak! Tama nga naman.

Ngayon, habang nagmumuni-muni ako. Napag-isip-isip ko na tuloy lang ang pagjojob hunt. The best is yet to come and best things happen to those who wait.Tiwala lang, God is the captain and we are His co-pilot. He will never leave us.^_^