Comments on: The urge to splurge http://moneystories.ph/2009/07/02/the-urge-to-splurge/ A Personal Finance Blog by Ma. Salve Duplito Sat, 09 Jan 2010 04:03:51 -0700 http://wordpress.org/?v=2.8 hourly 1 By: hachiko http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-98 hachiko Wed, 29 Jul 2009 04:01:16 +0000 http://moneystories.ph/?p=20#comment-98 @ nonamer: more precisely BDO UITF zero-entry fees, zero-exit fees after 30 days (45 days for $), and management fee of just 1%/yr is really competitive. Ideal place to start off your UITF investing. @ salve! stocks up really good and I'm giddy-giddy-happy today :D My good ole P 300k in Philequity was P 1.26M yesterday, could close today at P 1.28M !!! Felt relieved by my decision several months back not to sell low and invest for the long haul. Exactly as the textbooks say. Yen doing great too at 94/$ :) salve off-topic naman. hachiko finally has a movie - yey! Starring Richard Gere - astig :D mwehehe Watch it if you get the chance http://hachiko-dog-story-movie-trailer.blogspot.com/ @ nonamer: more precisely BDO UITF zero-entry fees, zero-exit fees after 30 days (45 days for $), and management fee of just 1%/yr is really competitive. Ideal place to start off your UITF investing.

@ salve! stocks up really good and I’m giddy-giddy-happy today :D My good ole P 300k in Philequity was P 1.26M yesterday, could close today at P 1.28M !!! Felt relieved by my decision several months back not to sell low and invest for the long haul. Exactly as the textbooks say. Yen doing great too at 94/$ :)

salve off-topic naman. hachiko finally has a movie – yey! Starring Richard Gere – astig :D mwehehe Watch it if you get the chance http://hachiko-dog-story-movie-trailer.blogspot.com/

]]> By: no_namer http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-97 no_namer Mon, 27 Jul 2009 01:09:46 +0000 http://moneystories.ph/?p=20#comment-97 hi hachiko! Just wanted to ask what you meant by zero-fee UITF? I also have BDO UITFs but none has zero fee.... Unless you mean no entry and exit fees? I also know that the money market fund does not have a holding period so even if you withdraw within 30 days, there is no early exit fees. Thank you! hi hachiko! Just wanted to ask what you meant by zero-fee UITF? I also have BDO UITFs but none has zero fee…. Unless you mean no entry and exit fees? I also know that the money market fund does not have a holding period so even if you withdraw within 30 days, there is no early exit fees.

Thank you!

]]> By: salve http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-90 salve Wed, 22 Jul 2009 11:44:11 +0000 http://moneystories.ph/?p=20#comment-90 thanks hachiko! i hope i can gather enough information to show everything in table format so that these two products are easy to compare. unfortunately, some of these loads you will only figure out once you have invested. the information disclosure system is really still very dummy unfriendly! thanks hachiko! i hope i can gather enough information to show everything in table format so that these two products are easy to compare. unfortunately, some of these loads you will only figure out once you have invested. the information disclosure system is really still very dummy unfriendly!

]]> By: hachiko http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-73 hachiko Fri, 17 Jul 2009 14:31:17 +0000 http://moneystories.ph/?p=20#comment-73 Salve ha? I remember, pinag tulong tulongan nyo sa Money Smarts si Sunlife VUL ha? hehehe :D Oh well. In theory mutual funds and VULs work under exactly the same principles / mechanics. I'm so sure you know. But in practice VUL gets lumped with lotsa insurance and lotsa sales loads. VUL okay if your objective is insurance. But for most of my money I'll go for yields and I'd stick with low-fee mutual funds and UITF. My fave bank BDO even offers zero-fee UITF - beat that! And again, Salve dear, no need to feel guilty about your shopping escapades. It's simply part of your deal with mister. He earns and you spend! hehehe :D Salve ha? I remember, pinag tulong tulongan nyo sa Money Smarts si Sunlife VUL ha? hehehe :D Oh well.

In theory mutual funds and VULs work under exactly the same principles / mechanics. I’m so sure you know. But in practice VUL gets lumped with lotsa insurance and lotsa sales loads. VUL okay if your objective is insurance. But for most of my money I’ll go for yields and I’d stick with low-fee mutual funds and UITF. My fave bank BDO even offers zero-fee UITF – beat that!

And again, Salve dear, no need to feel guilty about your shopping escapades. It’s simply part of your deal with mister. He earns and you spend! hehehe :D

]]> By: salve http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-65 salve Wed, 15 Jul 2009 23:18:24 +0000 http://moneystories.ph/?p=20#comment-65 hi marlu! me too, food and books. my super favorite things to buy. sigh. i love to shop, but i find that tempering the urge these days is also giving me a natural high. hope this lasts! :-) hi marlu! me too, food and books. my super favorite things to buy. sigh. i love to shop, but i find that tempering the urge these days is also giving me a natural high. hope this lasts! :-)

]]> By: salve http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-64 salve Wed, 15 Jul 2009 23:17:19 +0000 http://moneystories.ph/?p=20#comment-64 hey Issa! time for a celebration, then! don't you just love the warm feelings afterwards of having escaped the urge to splurge hehe. so, where did you buy your new shoes? haha hey Issa! time for a celebration, then! don’t you just love the warm feelings afterwards of having escaped the urge to splurge hehe. so, where did you buy your new shoes? haha

]]> By: salve http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-63 salve Wed, 15 Jul 2009 23:15:35 +0000 http://moneystories.ph/?p=20#comment-63 hi Ate Taya! Sorry about the late reply. Sobrang daming raket hahaha. I was going to choose which of the five mantra you shared is my favorite, but i couldnt choose which one i liked best. they are all winners. i'll be sure to try them out and update in a new post all my collections. how's the credit card situation right now in the states? i read that the interest rates have gone up tremendously? hi Ate Taya! Sorry about the late reply. Sobrang daming raket hahaha. I was going to choose which of the five mantra you shared is my favorite, but i couldnt choose which one i liked best. they are all winners. i’ll be sure to try them out and update in a new post all my collections.

how’s the credit card situation right now in the states? i read that the interest rates have gone up tremendously?

]]> By: salve http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-62 salve Wed, 15 Jul 2009 23:12:47 +0000 http://moneystories.ph/?p=20#comment-62 Hi Tyrone! Thanks for your kind words, you are so supportive. Just curious: how did you stumble on moneystories? :) Hi Tyrone! Thanks for your kind words, you are so supportive. Just curious: how did you stumble on moneystories? :)

]]> By: salve http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-61 salve Wed, 15 Jul 2009 23:11:28 +0000 http://moneystories.ph/?p=20#comment-61 hi hachiko! rereading your answer to my question: would you feel the same way with VULs? how do mutual funds compare with VULS in your opinion? hi hachiko! rereading your answer to my question: would you feel the same way with VULs? how do mutual funds compare with VULS in your opinion?

]]> By: salve http://moneystories.ph/2009/07/02/the-urge-to-splurge/comment-page-1/#comment-60 salve Wed, 15 Jul 2009 23:10:32 +0000 http://moneystories.ph/?p=20#comment-60 Joel, that's a pretty good mantra. you got me wondering tuloy why it never works? hehe Joel, that’s a pretty good mantra. you got me wondering tuloy why it never works? hehe

]]>