The Best Time to Fail

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BY VERCHIE TOTANES

It was out of chance that I discovered the stock market.

I was 17 and had just finished high school. College was still a few months away and I had nothing much to do.

The best time to fail BLOG PHOTO
I passed the time by reading a book where some Canadian kids raised money through something called the “stock exchange”. Though we highly don’t recommend raising school project funds through stocks, it was exciting for me to think that such a thing called the “stock exchange” even existed. I asked my older brother if there was a stock exchange in the Philippines and I was delighted when he told me there was. I started asking him a LOT of questions and, through my enthusiasm, was eventually introduced to one of his friends – Aya Laraya.

I asked him the usual questions about Aya: [Read more…]

Magkano Ang Laman Ng Wallet Mo?

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BY TONI TIU

“Magkano ang laman ng wallet mo?” Huwag kang mag-aalala, hindi ako hihiram ng pera! Pero sa pagsagot ng tanong na ito, huwag mong titingnan ang wallet mo. Isipin mo muna kung magkano nga ba ang laman nito. Walang dayaan! Isip, isip. Okay. May sagot ka na? Okay, game. Buksan ang iyong wallet at tingnan kung magkano nga ba talaga ang laman ng wallet mo. Tumpak ba ang iyong sagot? Humigit ba o kumulang?

laman [Read more…]

Tipid Bago Gastos

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BY TONI TIU

“Ang hirap magtipid! Ang dami-dami kasing gastos!” Pamilyar ba ang mga salitang ito? Malamang ay nasabi na natin ito isa o dalawang beses, o madalas ay higit pa. Kasamahan yan ng “Kakasweldo lang pero parang araw de peligro nanaman!” o “Wala talaga akong maimpok sa bangko sa dami ng bayarin.” Nadaanan ko na rin ito, pero may sinubukan akong “tipid technique” sa mga nakaraang buwan. Sinubukan ko muna kung effective ba talaga ito bago ko i-share sa inyo. Ngayon ay pwede ko na talagang i-share kasi effective nga!

Simple lang ang kailangan natin gawin para siguradong may matipid tayo sa bawat dating ng sahod: Tipid bago gastos.

Tipid bago gastos
Simple pero mahirap, at kailangan ng disiplina.Bago mo bayaran ang iyong mga bills (cellphone, rent, kuryente, etc.), subukang magtabi muna ng pera para sa iyong savings. Sa bawat pagpasok ng pera, magtabi ka kaagad ng 2% nito.

Halimbawa, kung ang sahod mo ay P15,000, [Read more…]

Financial Education for Filipinos

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PESOS AND SENSE aims to help Filipinos worldwide achieve their dreams for themselves and their families through financial education.

We have reached millions of Filipinos around the world through our TV show, blogs, seminars, and other online initiatives.

Representatives from numerous financial and investment companies, local and multinational, have told us that they use our videos and other educational materials for both training and sales.

We are proud.

We are honored.

We are happy.

Being able to contribute to making things easier and clearer for Filipinos so they can make the right money decisions is cool!

Anyone is more than welcome to use any of our materials for personal or business use.

Please. Use them.

We just appeal to you that PESOS AND SENSE and its founder, Mr Aya Laraya, be recognized when using our materials.
Removing, covering, and/or replacing our trademarks are unacceptable, especially when these are initiated by representatives of established financial institutions.

Bow.

Have a good day :p

-The PESOS AND SENSE Team