Tuesday, April 19, 2016

Free Stock Price Calculator (Mobile and Excel Versions)

I would like to share stock price calculators that I've created and have been using since 2012. For the mobile version, there are 2 options: Single Buy - Single Sell (similar to the Excel version), and the Single Buy - Multiple Sell. The latter allows you to input 3 selling prices and shows the potential gain or loss for each selling price. You can use the 3 selling prices to input 3 resistance points. You can also use it to specify the cut loss price and target price, as well as determine the breakeven price (via trial and error).

Usage of the calculators is very simple regardless of whether you're using the mobile or  Excel version. You just have to specify the number of shares you plan to buy, your target buy price and sell price. The net profit and net gain (%) will be calculated automatically. Details of the buy and sell charges will also be shown.

Single Buy - Single Sell (mobile), Single Buy - Multiple Sell (mobile), Single Buy - Single Sell (Excel)

Saturday, April 9, 2016

Bond Offering: DMCI Homes Homesaver Bonds

Last Thursday, I received an email from Security Bank regarding DMCI's bond offering, which they called DMCI Homes Homesaver Bonds. I actually checked the details of this offering last week after seeing their banner in DMCI Flair Towers. I was turned off initially because the interest payments will only be released after the maturity date, unlike other bonds that issue interest payment twice a year. But reading the details further, I realized that the target market of this offering are those who are planning to buy a DMCI condo unit in the near future.

This investment can be done via lump sum payment or via installment subscription. By "installment subscription", a minimum amount of 5,000 Pesos (depending on how much you're willing to save and invest) will be debited to your Security Bank account monthly. So if you're planning to save a certain amount monthly to build up the downpayment for your dream home, instead of letting your money sleep in a savings account that gives you a measly 0.25% interest annually, you might as well consider investing in the homesaver bonds.

Thursday, March 31, 2016

Why You Should Consider Investing in Double Dragon Preferred Shares

Property developer Double Dragon Properties Inc., a joint venture of Injap Sia II of Mang Inasal and Tony Tan Caktiong of Jollibee, has recently started an offering of up to 10 Billion Pesos worth of preferred shares, with an annual dividend rate of 6.4778%

While news has it that the offering is already oversubscribed (with 26 Billion Pesos worth of demand), the offering will go on until April 7, 2016. As to how the underwriters will handle the distribution of shares (whether first come first serve, raffle or partial allocation), I still need to check the prospectus (or wait for further announcement).

Wednesday, March 30, 2016

Alternative Income Source: Stock Photos

In my previous post, I mentioned how you can earn extra income by selling stock photos. Well, last week, I found out that 2 of my photos, which I uploaded to EyeEm, already found their way to Getty Images as part of the EyeEm Collection. I have to admit that I got surprised with how much my photos cost. I don't really browse stock photo websites so I'm a bit clueless on the pricing.

To give you an idea on the pricing, refer to the image below.

If you think you need a DSLR or an expensive camera in order to venture in stock photos, you're wrong. The following photo, which is also available in Getty Images, was taken using an iPhone 5s. It costs the same as the photo above, which was taken using a DSLR (Nikon D7000).

Wednesday, March 9, 2016

10 Ways to Earn Extra Money Online

The internet has become so powerful that many people consider it as a necessity already. Its usage is no longer limited to email, web surfing and chat service, as it is now used by many for forums, social networking (facebook, twitter, instagram, etc.), and e-commerce. It has also paved the way for netizens to conduct business, or earn extra income online, and that's what I'm going to discuss in this article.

Below are some suggestions and tips on how you can use the internet to earn. Please note, though, that while some methods can give you immediate income, some require time, effort and patience before it translates to income.

1. Online Selling / Online Business
Got things you no longer use or collections you want to dispose? You can sell them at www.olx.ph or www.ebay.ph to turn them to cash. Once registered to the site, you can start creating "online ads" for your items, where you can specify the description and price of the item, mode of payment, and delivery/pick-up/meet-up options.

If you happen to know a distributor of "in demand" items like cellphones, cameras, powerbanks, and other gadgets, much better. You can treat your account as an "online store", and you suddenly have an online business.

Ads for services such as event hosting, photography services, photobooth, aircon cleaning, etc., can also be posted.

In addition, you can set-up an "online store" in Facebook where you can sell your items. Just create a facebook page, invite friends to like and share it, and hope that people get interested and buy your items. To reach more people, you can "promote" your page for a fee. Some forums also provide a "marketplace" where members can post items they want to sell. Just take note of the marketplace rules so that you won't get suspended or banned.

In 2013, I created an online store for powerbanks in OLX and Facebook, and also posted my products in various forums. Although it only lasted for 2 years, I can say that I earned more than what I initially expected. Aside from the profit, I got to meet different people, gained loyal clients and more importantly, learned lessons on how to deal with suppliers, couriers, and different types of buyers. Truly, you'll only know whether a business will succeed if you try.

2. Ads in your personal blog
Do you have the time to write interesting content or articles that you're willing to share online? Instead of simply posting it on Facebook, why not create your own blog? Setting up a blog is easy, and it's FREE. You can register to www.blogger.com or www.wordpress.com, and you can now have your own blog. In case you want to remove the "blogspot" or "wordpress" from your blog's URL, you can purchase a domain name from sites such as www.godaddy.com. Once you have a domain name, the next thing to do is to link it to your blog. You can find lots of tutorials online for this.

So how do you earn from your blog? Through ads. You can register as publisher to sites that provide online ad services, such as Google Adsense, Nuffnang, and Infolinks. You can then earn through ad impressions (i.e., whenever your page containing the ad is accessed, regardless of whether the ad is clicked) and ad clicks (i.e., whenever the ad is clicked).

It's easy to get approved in Nuffnang and Infolinks. You can immediately place the ad windows on your blog, but it may take some time before paid ads get displayed. Just continue publishing articles and you'll eventually see an ad displayed on your blog (the first one is the sweetest, I still have the screenshot of my first Nuffnang ad for Listerine). Approval for Google Adsense is more difficult to achieve, but once approved, you'll immediately get paid ads. Just keep in mind that it's against the policy to click on your own ads. Google Adsense is strict on this, and can lead to account suspension or cause your account to be permanently disabled.

Once your blog gets high traffic volume, you can consider setting up ad spaces on your site and offering it to companies and businesses for a monthly fee.