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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 »

Are you ready to be financially fit?

By
FILE PHOTO

I have always wanted to save and invest, but I never seem to get the discipline of spending. My personal expenses have been increasing more than my income. I am afraid that I may not have enough savings to support my needs when I retire someday. I want to be organized financially. What should I do?—Johnny Oca by e-mail

Posted: March 26th, 2014 in Columnists,Editor's Pick,Inquirer Columns,Personal Finance | 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 »

Should I invest in dividend stocks?

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An investor enters the share price trading hall at a private stock market gallery in Kuala Lumpur, Malaysia, Monday, Nov. 4, 2013.  AP

I have been looking to invest my extra cash from SDA since last year. My bank offered me to put it in a long-term retail bond, but the net returns are so low that I am thinking of buying stocks instead. But then, I am afraid that I may just lose my money because the market is not so good. I am confused. Can you help me? – Roque Paragua by e-mail

Posted: January 28th, 2014 in Featured Columns,Headlines,Inquirer Columns,Personal Finance | 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?

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 »

The world braces for retirement crisis

In this Sept. 9, 2013 photo, Dong Linhua, 59, works at his workshop in Shanghai. "I heard that the authorities might postpone the age of the retirement, but I sure hope not, since I've already worked for almost 42 years," says Dong. AP/Eugene Hoshiko

A global retirement crisis is bearing down on workers of all ages. It will play out for decades, and its consequences will be far-reaching.

Posted: January 7th, 2014 in Latest Business Stories,Personal Finance,Photos & Videos | Read More »

Will there be a Santa Claus rally this Christmas?

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Philippine Stock Exchange AFP FILE PHOTO

QUESTION: The stock market has been falling for almost two months now and there seems to be no end to it in sight as selling continues to drag the index lower. I plan to buy some stocks but I am not sure if the market will rebound soon considering all the negative concerns. Can you advise me?—Janet Areola by e-mail

Posted: December 17th, 2013 in Columnists,Inquirer Columns,Personal Finance | Read More »

Who can innovate more: the small or the large company?

By ,
FILE PHOTO

Q: We’re a large but local company. We’ve been following your series on innovating and agree with you that it’s today’s engine of growth. We haven’t grown over close to a decade and believe it’s because we have not innovated.

Posted: December 13th, 2013 in Columnists,Inquirer Columns,Personal Finance | Read More »

Should I convert my pesos to dollars?

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AFP FILE PHOTO

I have extra funds coming from my SDA account that will soon terminate, and I am wondering if it is right to buy some US dollars as investment. The peso dollar exchange rate rose to as high as P44.80 to $1 two months ago and it has since stayed at the P43 level. Is this the best time to come in before the peso depreciates again? Please advise—e-mail by Lotis Magracia

Posted: November 13th, 2013 in Columnists,Inquirer Columns,Personal Finance | Read More »

Are there rules of thumb in investing?

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Philippine Stock Exchange AFP FILE PHOTO

I would like to invest in the stock market using a system that I have developed. My system looks at specific financial ratios like net profit margin, earnings growth, return on equity and recent price movements. If companies and their stock prices meet the hurdle numbers in my system, I either buy or sell the pertinent stocks depending on the signal provided. Would this system be enough?—posted on PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph

Posted: November 6th, 2013 in Columnists,Inquirer Columns,Personal Finance | Read More »

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