I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.
People believe their currency has the worth it does because they have no other option. Even in a hyper-inflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
@@Wellingtonluzia3 You are right! I diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above 1.3m in net profit across high dividend yield stocks, ETF and bonds during this red season.
@@desmondeddy1750 How can I reach out to this coach? because I'm seeking for a more effective investment approach How good is this person at portfolio diversification, particularly with regard to digital assets?
Hello Ms. Charm nice videos po .. but somethmime ung ears ko sinusumpong ng tinitus kapag full sound gamit ko sa cp . not sure if sa akin lang hehehe.. but usually ganun nangyayari sa right ear ko.. ung parang may disturbance pero hinihinaan ko nalang kahit gusto ko full sound hehehe
Natawa ako sa gcash first tree 🤣. I have 2 trees there and counting. Anyway, you inspired me and your vids helped me a lot in terms of managing my finances. Thank you! 😊
Guaranteed free annual fee ba yung UB if 10k ADB? That’s what’s holding me back from opening UB kase mataas yung 25k na no annual fee account nila but I want the mobile check deposit
Hi ! Nag iipon nako before sa CIMB , GSAVE AND TONIK however naisip ko what if mawala ko yung phone ko or manakaw. How Can I get my funds or how can I pull it out immediately? meed you 2 cents
Chika ko lang regarding the Security B na accounts… i got my circle access from them bc I have their premium savings, checking account, credit card, and their VUL affiliate… however right now they’re mass migrating their operations into their new mobile banking app so expect delays in transfers, yung app niya always nag crash, and payments for credit bills take a bit long to reflect so it might not be as streamlined. But they’re bank products are really good. Just medyo it’s taking them a bit long for supposedly minor inquiries
Hi I'm now living in Croatia, my husband is Croatian and we have one child I'm planning to live for good in Philippines and just do business, because here in Croatia salary is not that big though we are doing ok here besides health care is free. My question is do you think it is wise to push through my plan.? Hope you see and answer my question.
Charm bigyan mo ako ng accounts ibang araw Para makabili ako ng salamin optical kc nahihiran ang Mata ko at sumasakit ang ulo ko mahirap saying nawawala ang optical salamin ko Heidi ko na making nakuha na ng katulong malikot ang kamay
Mostly, it's for diversity/option. Having the option to have over-the-counter transactions esp for bigger amounts, checkbooks, free ATM withdrawals, and a face-to-face service interaction. Some companies or people who send money also prefer OTC esp if it's a company paying a supplier for example. But interest-wise, trad banks can't compete with digital banks.
Hello Charm kayangayon ko nabuksan at tanghali na ako nagising at marami pa akong tinatapos gawking sa kusina at magneto ang dami ng ginagawa pag walang katulong Maharajp ang buhay
Do you still do this up till now, like is it still relevant? Since I just see that this was posted in 2022 and you just changed the the title to 2024😅😅😅
Hi, are there still points if you pay bills through GrabPay? Parang I read somewhere on reddit na wala na daw points. I'm just starting pa lang kasi so I don't know much :((
They automatically give this to youbif you have an ADB of ₱100,000 (if it didn’t change). You can check here: www.bdo.com.ph/personal/rewards/terms-and-conditions
Thanks so much, Charm! You’re an inspiration sa pag-aayos ko ng personal finances ko. 😍 Bet ko yung may different accounts talaga for different purposes! 🙌
Great video Ma'am Charm, great to see a role model for younger generation to be informed about personal finance management. We also help people. We are a property management ,we help real estate investors to multiply their properties in Metro Manila and Cavite.
Hello Charm! I would love to see a video from you where you explain how to maximize the use of digital banks. I know CIMB does promos but i’m a little scared to try it, i might need more info from a reputable person like you. Thank you!
up for the wise topic! I’ve been using wise to receive my salary. And yes, mas okay sya kesa paypal. Thanks so much charm, I appreciate your efforts creating these kind on contents, your channel and fb group are my go to channel whenever i want to learn new things about adulting and finances! 🥺♥️
For those asking, this is the wise I’m talking about: wise.com/invite/i/charmained64
Idol yung sa business din sana
Yes do a video for wise. I'm having a hard time trying to figure out how to send money from the Philippines to the US.
I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.
People believe their currency has the worth it does because they have no other option. Even in a hyper-inflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
@@Wellingtonluzia3 You are right! I diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above 1.3m in net profit across high dividend yield stocks, ETF and bonds during this red season.
@@desmondeddy1750 How can I reach out to this coach? because I'm seeking for a more effective investment approach How good is this person at portfolio diversification, particularly with regard to digital assets?
@@jamesdrew296 >>>>>> *PATRICIA DRITA JOSEFINA* is the coach that guides me
Hello Ms. Charm nice videos po .. but somethmime ung ears ko sinusumpong ng tinitus kapag full sound gamit ko sa cp . not sure if sa akin lang hehehe.. but usually ganun nangyayari sa right ear ko.. ung parang may disturbance pero hinihinaan ko nalang kahit gusto ko full sound hehehe
CIMb bank poba safe? Mayroon poba silang physical branch
Hello. just clarifying po.. You keep 2 accounts for your businesses? 1 for savings (for future purposes) and 1 more for expenses? 😊
Yes! At least 2, but usually more talaga haha
Hey Charm! I have a question. What's your take on Cooperatives like FICCO?
Hi po Ate. Na-amaze ako sa mga video mo. I want to be your good friend and other good celebrities.
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment¡
You're welcome po.
Natawa ako sa gcash first tree 🤣. I have 2 trees there and counting. Anyway, you inspired me and your vids helped me a lot in terms of managing my finances. Thank you! 😊
Guaranteed free annual fee ba yung UB if 10k ADB? That’s what’s holding me back from opening UB kase mataas yung 25k na no annual fee account nila but I want the mobile check deposit
Yes. You can chat their CS on FB to clarify also for yourself (in case may nag bago)
Hi ! Nag iipon nako before sa CIMB , GSAVE AND TONIK however naisip ko what if mawala ko yung phone ko or manakaw. How Can I get my funds or how can I pull it out immediately? meed you 2 cents
Ma'am ang ganda po ng lalagyan ng unionbank business card nyo. Pwede lang po yan hingin sa bank mismo?
Hi Charm! Have you tried Tonik na? Hope you can share if you have na or create one so we have knowledge about it. Thanks!
I love it all, starting to create my own personal finance system.
Success come with hard work, failure comes with taking easy. BTW:: this is a wonderful video, a fellow creator
Chika ko lang regarding the Security B na accounts… i got my circle access from them bc I have their premium savings, checking account, credit card, and their VUL affiliate… however right now they’re mass migrating their operations into their new mobile banking app so expect delays in transfers, yung app niya always nag crash, and payments for credit bills take a bit long to reflect so it might not be as streamlined. But they’re bank products are really good. Just medyo it’s taking them a bit long for supposedly minor inquiries
WoW Nice
hi, please make a video about wise :) saw that in the net but was afraid to use it. I need an alternative to paypal :) thank you
Hi I'm now living in Croatia, my husband is Croatian and we have one child I'm planning to live for good in Philippines and just do business, because here in Croatia salary is not that big though we are doing ok here besides health care is free.
My question is do you think it is wise to push through my plan.? Hope you see and answer my question.
Sayo dummy account is yung BDO virtual, for me ay yung gcash ko kasi madaming fraud dun 😂
How about yung template ng spreadsheet po
Charm bigyan mo ako ng accounts ibang araw Para makabili ako ng salamin optical kc nahihiran ang Mata ko at sumasakit ang ulo ko mahirap saying nawawala ang optical salamin ko Heidi ko na making nakuha na ng katulong malikot ang kamay
Teeth na lang mayroon na akonh salamin nakita ko na ang optical salamin ko kaya teeth na lang
Is it still wise to have an account with traditional banks when digital banks are better (in terms of interest rates, liquidity, etc.)?
Mostly, it's for diversity/option. Having the option to have over-the-counter transactions esp for bigger amounts, checkbooks, free ATM withdrawals, and a face-to-face service interaction. Some companies or people who send money also prefer OTC esp if it's a company paying a supplier for example. But interest-wise, trad banks can't compete with digital banks.
up rin for the networth topic!
Sa dami ng banko na meron ka hindi mona alam saan ka magdeposit same here! Hahaha
Off topic. Hawig mo po si Tuesday Vargas.
I hear that a lot haha
Hello Charm kayangayon ko nabuksan at tanghali na ako nagising at marami pa akong tinatapos gawking sa kusina at magneto ang dami ng ginagawa pag walang katulong Maharajp ang buhay
tєlﻮг๓™MEERSHI
Sabihin sa kanya na inutusan kita na sumali at lumahok sa bagong pamumuhunan, salamat sa iyong komento!
Time line liaising ko ang buhok ko good bye thank
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment¡
Do you still do this up till now, like is it still relevant? Since I just see that this was posted in 2022 and you just changed the the title to 2024😅😅😅
Yes! I've been doing it for 5 years! Haven't changed it much
.
How do you earn Crypto from your bills paid in Paymaya?
Parang hindi kasali bills. Only if you pay via QR, log-in, or maya card.
May promo sila ngayon. Sept 1-30 tungkol sa pay qr and free bitcoint. Check lang sa maya web
paanu un walapa ako credit card paanu mag avail
Wooh! ang galing talaga!!! nice :)
Hello, do you have any videos regarding your insurance/s? Thanks. Learn a lot about your videos.
Here: th-cam.com/play/PLX5F5fa6EHdq0fCY9ehomzPNaUoYekLkP.html&si=uIIlatA0WwBY5b9U
Whats the point of showing your spreadsheets if you are just going to blur some of it ?
Hi, are there still points if you pay bills through GrabPay? Parang I read somewhere on reddit na wala na daw points. I'm just starting pa lang kasi so I don't know much :((
Pwede po ba magrequest ng video tungkol sa insurance na dapat meron ang isang ofw
Hello, do you have idea how can I convert my straight payment to install for BDO cc?
Hello po, may suggestions pp ba kayo kung saan bank maganda ilagay ang emergency fund?
(2)
Can you spend some money for some fresh paint on the wall behind you it's a very depressing colour
No, thank you. I like my walls the way they are.
If I am based abroad, will application for digital bank be difficult? Do they require the applicant to be Philippine based?
There are a few digital banks that are specific for OFWs, I think OF Bank is one.
@@CharmdeLeon oh thank you for sharing this info. I watch your videos because I need Financial advices. I cant seem to save up 🥺
Hi ,OFW here.
I have Unionbank and Ofbank 💓
@@shxxpxnxy4771 i cannot access OF bank 😦
Hello can you also send link for OF bank 😊
idol😊😍
Pwede na po kitang tawaging master😆.
hello ate Charm. do you have a podcast series?
Gumaganda ka hmm 😁
6:50 ano po issue sa GSave attached to Gcash?
Bakit paulit2 yung contnte mo. nakakabired na
Once you have USD account ba sa Wise then your US client can do local bank transfer nlng? Looking forward to a detailed video about Wise, thanks Charm
Yes! I forgot the term but parang local bank transfer nalang for them, or lie ACH?
Love the video 🥺
Thank you! ❤
do you loan like apart from credit card? when is it okay and how much etc. do u have a vid na?
I don’t but I will for my condo. No video about it yet. Soon!
The more I watch and listen to you, you kinda look and sounds like Tuesday Vargas. I meant that as a compliment. 😉
Gwapaaaa
Very helpful vid 😊 any thought about seabanks po?
Been loving it! Most digital banks are amazing. Game changer sa money system ko
🌼
wise!
How do you apply for BDO rewards card?
They automatically give this to youbif you have an ADB of ₱100,000 (if it didn’t change). You can check here: www.bdo.com.ph/personal/rewards/terms-and-conditions
Thanks so much, Charm! You’re an inspiration sa pag-aayos ko ng personal finances ko. 😍 Bet ko yung may different accounts talaga for different purposes! 🙌
Yes to Wise! I've been looking for a PayPal alternative. Cheers!
Super! I keep telling people ang mahal ng fees ni PayPal lol
how many bank does a person need? a guy with no bank account and no knowledge of it pls and thanks
It depends on you but you can start with 3. 1. For operations (monthly expenses) 2. Emergency fund 3. Other Savings/For investing.
@@CharmdeLeon thanks for replying. i will be sure do it now .. i will let u know
Paganda ng paganda ka po talaga Miss Charm😍
Why po not a good choice na i connect ang gsave to gcash? I have mine connected kasi and use it for emergency funds too.
Ang bilis mo magsalita po
Hahaba kasi masyado yung video eh hehe
Hi ma'am how to deposit in komo without fee? Thank you!
Blah blah blah
salamat po sa another learnings. Great video. Sa lahat ng nanonood nito magimprove rin sana ang finance ngayon taon. ❤
Started tracking my expenses after this. Hopefully, I will try my best to discipline myself and commit to it. Thanks for this!
Woohoo! Cheering for you
Wise is good. You may consider Skrill also
I've heard of that! Parang hindi pa available sa PH? (last time I checked)
Does the BDO Virtual Card come with a separate SOA?
Nope! Connected lang sha
Great video Ma'am Charm, great to see a role model for younger generation to be informed about personal finance management.
We also help people.
We are a property management ,we help real estate investors to multiply their properties in Metro Manila and Cavite.
Hello Charm! I would love to see a video from you where you explain how to maximize the use of digital banks. I know CIMB does promos but i’m a little scared to try it, i might need more info from a reputable person like you. Thank you!
Hi Charm, thanks for this video. Can I have the link for the sea bank?
seabankph.onelink.me/RMD2/cwkhsv35
Hi Charm, may I ask how you learned how to have an Airbnb business? Did you attend any workshop/seminar?
Mostly TH-cam and self study lang
This helps! Hoping to watch your review regarding SeaBank and Wise!
up for the wise topic! I’ve been using wise to receive my salary. And yes, mas okay sya kesa paypal.
Thanks so much charm, I appreciate your efforts creating these kind on contents, your channel and fb group are my go to channel whenever i want to learn new things about adulting and finances! 🥺♥️
yeyyy new videooo thank you for thissss 😊😍
Yes please re.Wise video for freelancers like us. 😁 Thank you. ,😃
Great video and a lot of informative financial topics especially for the younger generations1
Yay for an updated version! 🙌
how i manage my money i use maya gcash rcbc trust wallet meta mask wallet and binance
moneylover mas ok nasa cloud ung data kahit magpagawa ka ng phone