Quantcast
Latest Stories
Home » byline

Are you ready to grrrrrumble?

By

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

By
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

By
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

By

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

By

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

By

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

By
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

By

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!

By
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?

By
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?

By

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

By

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 »

Advertisement

News

  • PNP denies Purisima’s involvement in questionable deal with courier firm
  • Pro-Russian insurgents hold journalist hostage
  • UN heads say Syria aid needs ‘largely unanswered’
  • Captain who left doomed ferry had 40 years at sea
  • UK woman held for murder after children’s bodies found
  • Sports

  • UP nips St. Benilde; Adamson blasts RTU in Filoil women’s caging
  • Kevin Garnett responds to Raptors’ GM F word
  • Albert Pujols hits 500th HR of major league career
  • UST posts twin kill in Filoil pre-season cup opening day
  • Wizards beat Bulls in OT to take 2-0 series lead
  • Lifestyle

  • Entering the monkhood a rite of passage
  • Haneda International Airport: A destination on its own
  • Wanted: Beauty queen with a heart that beats for the environment
  • Kim Atienza: At home with art and design
  • Life lessons I want to teach my son
  • Entertainment

  • Bollywood Oscars, film stars come to Florida
  • Ex-Fox exec denies allegations in sex abuse suit
  • Kris Aquino backtracks, says Herbert Bautista and her are ‘best friends’
  • Summer preview: Chris Pratt enters a new ‘Galaxy’
  • Bon Jovi helps open low-income housing in US
  • Business

  • Toyota sells 2.58 million vehicles, outselling GM
  • McDonald’s 1Q profit slips as US sales decline
  • SEC approves SM’s P15B retail bond offer
  • $103M Vista Land bonds tendered for redemption
  • Oil slips to $102 as US crude supplies seen rising
  • Technology

  • Engineers create a world of difference
  • Bam Aquino becomes Master Splinter’s son after Wiki hack
  • Mark Caguioa lambasts Ginebra teammates on Twitter
  • Brazil passes trailblazing Internet privacy law
  • New York police Twitter campaign backfires badly
  • Opinion

  • One-dimensional diplomacy: A cost-benefit analysis of Manila’s security deal with Washington
  • No ordinary illness
  • Reforest mountains with fire trees and their kind
  • Day of the Earth
  • When will Chinese firm deliver new coaches?
  • Global Nation

  • Palace thanks Estrada for successful HK mission
  • Hong Kong accepts PH apology; sanctions also lifted
  • China won’t budge, wants PH gov’t to apologize to HK
  • Cha cha train to follow Obama visit?
  • No word yet on inking of US-PH defense pact during Obama visit
  • Marketplace
    Advertisement