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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 »

Are you ready to be financially fit?

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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 »

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 »

A lowdown on low-risk investments

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Q: What are the most common kinds of low-risk investments? — Alex Mendoza, BPO employee via e-mail

Posted: March 12th, 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 »

Is PH property sector in a bubble?

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QUESTION: I am considering purchasing a real estate property but I am concerned about news that the Philippine property market is already experiencing a bubble, how true is this?—Name withheld upon request, asked via e-mail

Posted: February 19th, 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 »

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 »

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