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Are you ready to grrrrrumble?

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Question: I have five years left before I retire. I have time deposit placements that I kept on rolling over for the past five years. Unfortunately, the interest on these time deposit placements has been coming down and it seems that I just end up giving the bank cheap money to borrow. Please help me find a better place where I can invest my money for the next few years or up to the time I retire.—posted on PFA’s “ask a friend, ask Efren” service.

Posted: April 17th, 2014 in Columnists,Headlines,Inquirer Columns | Read More »

Taking the nosebleed out of personal finance

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peso-bills

Q: I am having a hard time absorbing all of those personal finance lessons, especially those that have to do with math. Can you help me understand them better?—Posted on PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: April 9th, 2014 in Columnists,Inquirer Columns,Personal Finance | Read More »

Too poor to even pay attention

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peso-bills

Question: Please help us. We just woke up one day realizing that we are over our heads in debt. We don’t feel like we are living the life of millionaires. We have an average lifestyle with three children all still in school. Our eldest is in 3rd year high school; our middle child is in 1st year high school; and our youngest is in second grade. We maintain a modest home, two cars (one of which is still being amortized with a bank) to avoid number coding in Metro Manila, and travel for leisure abroad just once a year.—Posted at PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: April 2nd, 2014 in Columnists,Inquirer Columns,Personal Finance | Read More »

The better way to choose funds

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Question: There are a lot of investment choices nowadays. Apart from mutual funds, there are also unit investment trust funds, variable unit-linked insurance and now exchange-traded funds. Can you provide a guide on how to choose the best one?—posted on PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: March 19th, 2014 in Columnists,Inquirer Columns | Read More »

Using the Sinulog as guide

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I have money that can be placed in long-term instruments like bonds, stocks and pooled funds. However, I am hesitant to start because I am fearful that my money would not grow if I get it back after three years. Nobody can give me assurance that my money will grow after the said period. Can you shed light on this concern of mine? “Ask a friend, ask Efren” service at www.personalfinance.ph

Posted: March 5th, 2014 in Columnists,Featured Columns,Headlines,Inquirer Columns | Read More »

If I had P1M

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A: Before I give you my answer to your question, let’s analyze first some of the rules of thumb in personal finance and the radical modifications by the brave.

Posted: February 26th, 2014 in Columnists,Inquirer Columns | Read More »

Personal finance is 3/4 protection

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peso-bills

Q: What is the right allocation for emergency funds, assuming you already have the equivalent of six months of your expenses? What is the next step if you already completed your emergency funds?-Posted at PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: February 12th, 2014 in Columnists,Inquirer Columns,Personal Finance | Read More »

Inspiring investing

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QUESTION: I am an OFW about to return to the Philippines. I have some money saved up that I want to invest. However, I am told that there are not that many options to invest back in the country. Would you advise me to just keep my money in foreign currencies and invest them outside the Philippines?—posted on PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: February 4th, 2014 in Columnists,Inquirer Columns | Read More »

Frozen stock portfolio? Let it go!

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Philippine Stock Exchange AFP FILE PHOTO

Question: Based on what I have been hearing, the next few years may not be as good for stock investing as in the recent past. Experts are one in saying that the Philippine economy will continue to expand. However, investment analysts are also saying that interest rates may start to move up in 2014 while global funds may shift their focus to the US and Europe. Given that I am heavy into Philippine stocks, what would be the best strategy for my portfolio?—Posted at PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: January 22nd, 2014 in Columnists,Inquirer Columns,Personal Finance | Read More »

Man of still, steal or steel?

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FILE PHOTO

Risk is inextricably woven into investing. Volatility in asset prices is not the new normal. It has always been part of what is normal.

Posted: January 8th, 2014 in Columnists,Headlines,Inquirer Columns,Personal Finance | Read More »

Business or stocks?

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QUESTION: I want to turn over a new leaf in 2014. I have money to invest. But I do not know whether I should invest in my own business or invest in stocks. I heard that investing in stocks had provided good returns in the last few years. Yet I also hear that stock investing is full of risks. On the other hand, I have an idea for a business that I believe will fly with my target customers. But I am not totally convinced that I should go into business and forgo the steady income from my employment. Can you help me decide?—posted at PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: December 31st, 2013 in Columnists,Inquirer Columns | Read More »

Pa rum pum pum pum

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QUESTION: I want to give something special to my relatives and friends every Christmas. Time and again, however, I found myself short on spending money as whatever extra income I had earned went to paying past debts. Do you have any suggestions on how I can use the little money I have to buy special gifts? —posted on PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: December 10th, 2013 in Columnists,Inquirer Columns | Read More »

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