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  1. Retz's Avatar
    Retz
    Retz is offline Tsikoteer
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    October 23rd, 2013 03:45 PM #581
    ^

    Sir, what do you mean not a rotation basis graveyardshift job ba?
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  2. vinj's Avatar
    vinj
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    October 23rd, 2013 03:46 PM #582
    Quote Originally Posted by dreamur View Post
    If I have P1M free cash, would it be good to pre-terminate all loans (housing and car) or put it in a short term investment? Or make a downpayment for a new car! Pareng Uls, your thoughts?

    Sent from my GT-N7100 using Tapatalk
    Although hindi ako si Uls, I'd advice you preterm your loans (which may have a higher interest rate compared to now) then take a new loan to buy a new property (kahit lot lang) if an opportunity presents itself. Expand your asset base. If you don't need a car now, huwag muna.
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  3. NightRock
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    October 23rd, 2013 03:48 PM #583
    Quote Originally Posted by dreamur View Post
    If it is on night-shift, think again...

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    No its not a night shift or night duty... its a consultancy job..so I cant enjoy my 5week work and 5 weeks vacation anymore
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  4. uls's Avatar
    uls
    uls is offline Tsikot Member Rank 4
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    October 23rd, 2013 03:57 PM #584
    Quote Originally Posted by dreamur View Post
    If I have P1M free cash, would it be good to pre-terminate all loans (housing and car) or put it in a short term investment? Or make a downpayment for a new car! Pareng Uls, your thoughts?

    Sent from my GT-N7100 using Tapatalk
    i wouldnt get a new car. you're already paying for a car

    i'd put it in something that would generate income --- pandagdag income pambayad ng obligations

    capital preservation ang default setting ko eh
    Last edited by uls; October 23rd, 2013 at 04:09 PM.
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  5. boytsiks
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    October 23rd, 2013 05:22 PM #585
    Quote Originally Posted by NightRock View Post
    No its not a night shift or night duty... its a consultancy job..so I cant enjoy my 5week work and 5 weeks vacation anymore
    Pareho tyo sir ng rotation. But i just sold my days off. Problem ko lang, di ko alam ang computation nun...
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  6. TopEngine's Avatar
    TopEngine
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    October 23rd, 2013 05:36 PM #586
    Quote Originally Posted by dreamur View Post
    If I have P1M free cash, would it be good to pre-terminate all loans (housing and car) or put it in a short term investment? Or make a downpayment for a new car! Pareng Uls, your thoughts?

    Sent from my GT-N7100 using Tapatalk
    If you have an emergency fund (3x-6x of your monthly earnings) already, then paying your loans is the best thing to do. If not, then set aside for an E.F.
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  7. dreamur's Avatar
    dreamur
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    October 23rd, 2013 06:52 PM #587
    Thanks for all the advise. I will start with saving the P1M first then I will refer back to this thread.

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  8. Retz's Avatar
    Retz
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    October 23rd, 2013 11:01 PM #588
    Thinking about activities this weekend
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  9. wezz_zzew's Avatar
    wezz_zzew
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    October 24th, 2013 01:00 PM #589
    Quote Originally Posted by Retz View Post
    Thinking about activities this weekend
    GVGV/Candy?
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  10. jodski's Avatar
    jodski
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    October 24th, 2013 02:23 PM #590
    Quote Originally Posted by wezz_zzew View Post
    GVGV/Candy?


    Pabayaan mo na... Mas important yung pyesa ng car na pinalitan mo kesa GVGV







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