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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

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 »

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 »

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

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

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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 »

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 »

Most Filipinos optimistic on financial goals

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FILE PHOTO

Four in every five Filipinos are optimistic of meeting their financial goals, but only a third of those polled see their current planning efforts sufficient to meet these targets, a new study by Nielsen showed.

Posted: January 15th, 2014 in Latest Business Stories | 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 »

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