pwede po ba mag member ang isang isang subdivision para sa problema transportation tricykel (like TODA) PERO ang lahat ng member ay homeowner ng subdivition...sana matulungan nyo kami
Hello po please notice my comment po hehe. Ano po yung much better option kung saan mag invest? Uitf po sa banks under a long term bond agreement orrr ipapasok ko nalang po sa cooperatives po? I've heard kasi malaki yung annual time deposits nila chaka may iba pang benefits. My goal is to choose po sana the option kung saan mas malaki yung passive income ko per year for about 5-7 years at a moderate amount of risk. Patulung po hihi, thank yoü. Considering equity under uitf also.
Currently ofw. Have pagibig & sss flexi investment. Interested in coop also puede ba maginvest in coop example time deposit in short term like 6 months. Thanks guys for your video very informative.
@11:30 it was mentioned that the loan interest is 6 % but I think it is per month. So if the member borrowed 10k and payable in 6 months they will be paying 2,266.00 monthly which is very high. Ganun po ba yun?
May I know please, what else, at least the top 3 are the pros and cons of putting / investing for a share capital in coops ? because I dont quite undestand and I need some more convincing. Thank you in advance for the information.
Emerson Escobar we are here not to convince anyone of investing in any instrument. We just lay down the general features as well as benefits of different investment outlets for our viewer’a reference. You may watch again our video should you have missed something. Thanks!
Pwede b kyo mag recommend ng coop na alm nio then we study and to invest salamat po.. Ung iba kasi gsto nila mg invest pero wala silang alm na coop company
majority of coops are location- and geographic-based so it would be hard for us to recommend one if it is not readily available for all prospective investors. it would be best if you check out your locality or the CDA for one near you. thanks!
May I know please, what else, at least the top 3 are the pros and cons of putting / investing for a share capital in coops because I dont quite understand and I need some more convincing. because I dont quite undestand and I need some more convincing.
Hi Emerson. Nag butt in na ako. Ang PROS ay mababa ang interest na ipapataw sa utang mo usually 2% or mas mababa pa, depende sa coop. Diminishing balance computation pa ang pag compute ng interest. Ibig sabihin ang papatawan ng interest ay yung balanse ng utang mo hindi naka pako sa halaga ng inutang. Pwede ring umutang ng doble ng halaga ng capital shares mo pero you need a co-maker or collateral to cover half nung halaga ng inuutang. This is to secure the loan. At the end of the fiscal year doon ibinibigay ang DIVIDEND kung kumita ang coop. Pag kumita hati-hati, pag nalugi doon sa taon na yun hati-hati din. Kasi ang mga KASAPI o mga members ay KA-MAY ARI o co-owners kaya dapat tangkilikin ang serbisyo o produkto ng koop. Siyempre dahil co owner ka, may boses ka kung paano gagamitin ng coop ang pinagsama-samang capital. Ang CONS naman sa Bumbay 5/6 o 20% interest ang patong. Sa mga lendng company mataas din ang interest at hindi diminishing balance computation. Ang dami pang requirements. Walang dividend na ibinibigay liban sa mababang interest ng perang nilagak mo. At meron pang 20% withholding tax. Sa coop wala kasi tax exempted. So, Maghanap ka ng coop sa lugar nyo at umatend ka ng PMES o Pre Membership Education Seminar para mas makilala mo ang coop, history nito, mga patakaran at mga serbisyo nila. God Bless.
About a third of my investments right now is in Ayala Coop i gwt abour 7% net income from my shares. My mom on the otger hand is a member of NOVADECI but sometimes there is a loss because the coop gives death benefits for members amd their families
dapat pina re-insure ng novadeci ung mortuary nila pakisabi sa mama mo. bawal yan sa insurance commission at sa cda, hindi insurance ang business nila eh lending naman
Mukhang maganda naman po ang mga serbisyo ng Novadeci, well judging from the web page. 3.2 B asset, 1.2 B Shares at 44,079 members and 36 years in the business, WOW. Kung taga Novaliches ako sasali ako dito.
sir guarantee ba ang dividend annualy? meron po ba lock-in period yun pera? and pag mas malaki po ang invest ng isang member mas malaki ang makukuhang dividend?
mico mariñas dividend is not guaranteed although they usually give. money has no lock in and you dont get a different dividend rate with higher amounts invested. thanks!
ah ok po. sir how about government bond which banks ang nag bebenta po? and corporate bond direct ba yan binibenta sa investor ng mga corporation? or how will I know kung saan banks pwede makabili ng corporate bond? thanks din po.
no. dahil coops are not under bsp . they do not want to accept coops in the pdic. But coops instead offer in return on life insurance coverage for the time depositor as benefits. Importante lang na alam mong coop na establish talaga na hindi fly by night. coops are based on trust. if u dont trust go to other institutions
its not investment instead like nvestment ito dahil common share capital inilagak mo dyan and not guaranteed ung interest it will depend on the net surplus ng coop after 1 year operation. ung 14% na sinabi mo itoy applicable sa time deposit ng coop itoy guaranteed nila as per certificate
No, for me. An emergency fund is good if you put it in your bank account to get it easier 😊 you can also borrow in cooperative which is not easy and with interest
Sir may tanong lng ako sa inyo gusto ko pong mag invest sa mutual fund paano po? DIY po b ang pag invest d2 ano poba ma advise nyo sa amin na gustong mag invest at maganda po b ang kaiser health care? At huling tanong mayaman n po b kayo? Lol
please explore our playlist on mutual funds. we have a lot of videos there, too, if you wanna learn more about them. here's one: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-RyhVz6PWk5w.html If you wanna know more about investing tips, you may also explore our other videos on our Investing playlist. Kaiser is good, but we have to talk with you first if it is the best one for you. Lastly, being rich is relative. Thanks!
Section 6. Common and Preferred Share. 6.1. The share capital of a cooperative may consist of common share capital and preferred share capital if the latter is provided for under the cooperatives’ articles of cooperation and by laws. Should the cooperative wish to have common and preferred shares, statements to that effect should appear in the Articles of Cooperation specifying the amount of shares to be offered for common shares and for preferred share. However, it is recommended that only the common share be offered. 6.2. Should preferred share capital be offered, the rights and privileges of holders of preferred shares shall be provided for in the By-laws of the cooperative. 6.3. Preferred share capital shall not exceed Twenty Five (25%) percent or one-fourth (1/4) of the total authorized share capital of the cooperative. 6.4. The paid up and subscription of the common share capital contribution should strictly adhere to the twenty-five percent (25%) requirement based on the authorized capital share. 6.5. No member shall own more than Ten (10%) percent of the subscribed share capital of the cooperative.
sir on 6..4 statement ay mali ; correct statement is 75% of the authorized capital of coop as common share capital . thanks. check the guidelines on how to fill up the articles of cooperation by laws at cda website. Yes members must check the acbl of the coop if they are authorized to offer common and preferred shares.
As far as we know, only persons 18 and above can participate in Coops as it involves legal contract. Best to ask the Coop that you are eyeing in this regard. Thank you.
van van there are so many cooperatives in the country so the list would be quite long. We have mentioned in the video where you can check the legitimate coops. Thanks.
Coops usually give dividends on an annual basis and we still have yet to see one that gives monthly. we do, however, know of some funds that give a monthly dividend.
all coops ay kumikita monthly but if u question on the share of income NO. because coop never use income at the end of the year operation it is called net surplus an excess payment of members of the products they bought from coop. They will less 30% for mandated deductions of the government and the 70% will be distributed for members interest on share capital (previously known dividend) and patronage refund for members who has business transactions with the coop. It will depend on the common share capital contribution that the members has made within the year.