Vista Land & Lifescapes Inc. (VLL)

SYMBOL VLL

PRICE 6.80

ANALYST CONSENSUS BUFFETT BOOKS CALCULATOR
FAIR VALUE 7.20 Intrinsic Value 17.76




FINANCIAL TIMES GURU FOCUS
Low 6.15 Graham Number 9.41
Median 7.15 DCF Calculator 9.59
High 7.50




PER SHARE
RATIOS
Earnings Per Share 0.65 P/E 10.46
Sales Per Share 2.56 P/S 2.66
Book Value Per Share 6.06 P/B 1.12
Free Cash Flow Per Share 0.2 P/FCF 34.00

Three Stage Retirement Plan

Achieving financial freedom begins with establishing a specific GOAL with a deadline. After reading The Millionaire Next Door (TMND) By Thomas J. Stanley, I decided to incorporate the formula provided in the book in my Retirement Plan. Instead of having one goal with a very long duration, I decided to divide it into three short stages. Smaller goals will make it easier for me to achieve and will motivate me each time I complete it.


Goal Setting

The FIRST STAGE of my retirement plan is to become an Average Accumulator of Wealth before I turn 40. The book states that a person needs to have a net worth his/her age multiplied by his/her annual household income then divide it by ten to be considered an Average Accumulator of Wealth.

Age x Annual Income / 10

This formula provides an exact figure serves as my first goal. Although it is prone to changes, since future income is unpredictable, I used the inflation rate to establish a conservative estimate of my future income.

TOP PHILIPPINE UITF JANUARY 2015

PESO EQUITY FUNDPeso Equity UITF

PESO BALANCED FUNDPeso Balanced UITF

PESO LONG TERM BOND FUNDUITF Peso Long Term Bond

PESO MEDIUM TERM BOND FUNDPeso Medium Term Bond UITF

PESO INTERMEDIATE BOND FUNDPeso Intermediate Bond UITF

PESO MONEY MARKET FUNDPeso Money Market UITF


Accurate as of January 24, 2015

Philippine Stock Market Data 2014

PHILIPPINE DIVIDEND STOCK RETURNS

PSEI Stocks 52 WEEK RETURN

Philippine Stock Market Data 2014

Philippine Stock Exchange Index: +23.96%
52 Week Range: 5,709.34 - 7,413.62

Philippine Stock Exchange All Share Index: +18.85%
52 Week Range: 3,515.51 - 4,309.73

PSEI Price Movement 
Highest Price Movement 2.85% (October 13, 2014 )
High    7,160.99
Low     6,957.11
Highest Price 7,413.62 (Sept 09, 2014)
Lowest Price  5,842.88 (Jan 10, 2014)

PSEI Month on Month Returns (as of Decemeber 20, 2014)
Gain 6.81% February
Loss -2.81% December


Updated as of December 12, 2014
*Historical returns and yields are not a guarantee of future performance.
SOURCE: Financial Times, Philippine Stock Exchange

INSURANCE: VUL or Buy Term Invest Difference

Life insurance secures your family's finances in the event of your untimely demise. Insurance companies offer a wide array of products to cater your needs. Clients who prefer a Life insurance that has a cash value are usually presented with a Variable Universal Life Insurance proposal. A VUL is basically a Life Insurance and Mutual Fund packaged into one.

How does VUL differ from buying each product separately? ( Buying Term and Investing the Difference ) Both methods have similar goals but have different end results. In order to understand the advantages and disadvantages of both methods, we shall examine how each method allocate funds for insurance and investment.

Real Cost of Owning a Vehicle


Most first time car owners neglect to anticipate the other expenses that comes with owning a car. Asides from your monthly amortization, you need to consider the cost of using and maintaining your vehicle. Some of these expenses costs an arm and a leg and will wreak havoc in your budget if you fail to prepare for it. Let us examine the expenses that are commonly over looked or under estimated by first time car owners.


Fuel


Fuel is one of the recurring expenses you will incur using your vehicle. The several factors that affect fuel consumption of a vehicle are engine displacement, weight of vehicle and engine type. Driving conditions, the style of driving and proper maintenance of the vehicle.

FUEL COST COMPUTATION
AVERAGE FUEL CONSUMPTION OF VEHICLE 8 Km/L
AVERAGE DISTANCE TRAVELED PER DAY 40 Km
AVERAGE PRICE OF GASOLINE Php 45 Per Liter
DAILY COST OF FUEL Php225.00
ANNUAL COST OF FUEL Php82,125.00



*BASED ON MY CARS AVERAGE FUEL CONSUMPTION (CITY DRIVING)