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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!

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 »

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