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Family Care:
Savings and Investments...During Uncertain Times
(Mayroon pa bang ibang paraang mag-impok na pwedeng pasukan?)
Question: Amor (Manila), October 1, 2008
Nagbukas kami ng savings account bago umalis ang aking asawa. Mayroon rin kaming binabayaran na "educational plan" para sa dalawa naming anak. OK ba itong mga ginawa namin? Mayroon pa bang ibang mga paraang mag-impok na pwede naming pasukan? Ang aming savings ay dollars.
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Answer:
Dear Amor,
Napaka-OK ang inyong ginawang mag-asawa na magbukas ng savings account bago siya umalis, at siguro naman pinagusapan ninyo kung ano ang budget ng inyong pamilya. Ito ay ang pinag-payo ng Agap Kamay article (click to read Nakapag-iimpok Ba Kayo?). Maganda rin na kumuha kayo ng educational plan para sa inyong dalawang anak.
Sa inyong tanong kung ano pang ibang paraang mag-impok na pwedeng pasukan, as a policy, our website does not endorse any specific product or investment instrument. Gayunman, ang pinaka-importanteng maipayo ay huwag dapat mawala ang perang pinaghirapan ninyong mag-asawa. Siguro nababasa ninyo ang kaguluhan na nangyayari ngayon sa mga bangko at economiya ng kasi buong mundo. Dahil dito, in your savings and investments, you may wish to:
1. Make sure your savings and educational plans are with strong and reputable banks and companies, who will honor their obligations and which have the resources and management to survive a bad world economy.
2. Do NOT invest in anything that you do not understand. Kung dumadami na ang pera, malaki ang temptation na gamitin ito. Huwag mahulog!...lalo na kung hindi ninyo naiintindihan, o may umaalok na sila ang humawak ng pera ninyo.
3. If you are renting and now have enough savings to afford a loan, or to buy, your own house, then this would be good since a house is not just an investment but also a base, a center for your family. But make this a joint decision with your spouse, at siguraduhin na kaya ninyo ang pag-bayad sa bahay. Of course, also choose a reliable developer to buy from. Fortunately, there are several good property developers now in the Philippines.
4. Continue to save a percentage of monthly income that you and your spouse have discussed and agreed to. Make sure you have funds available in case of family emergencies or sickness, or God forbid, na mawalaan trabaho kayong mag-asawa.
5. Keep these savings in US dollars, as you have done. It appears that the US dollar continues to strengthen against other currencies during this time, even if the problems began in the USA. Then, convert to pesos or other currencies what you, your spouse and family need to live on.
We have invited bankers to comment on your question, and will post their reply once we receive them. Congratulations on your good start at savings, first to ensure your children's education, and eventually your family's future.
DIDiaz
Moderator
For service@ofwparasapamilya.com
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