Top 3 Money Resolutions for 2015

The New Year promises a fresh start for everyone. That is why a lot of Filipinos during this time formulate resolutions to help them establish goals, make some changes, and improve their lives.

The biggest challenge comes the month after, when old habits try to find its way back. Aside from having resolutions, they need to have enough willpower so they can stick to their game plan. The same principle applies in handling money.

In 2015, we want our followers to be smart in handling their money – on their way to financial freedom. If saving money is one of your resolutions, make sure you master these things first in order for you to do it successfully.

money resolutions
[Read more…]

3 Reasons Why You Should Attend the PESOS AND SENSE Seminar Series


“I want to invest but I don’t know how and where to.”
“I want to invest in the stock market because I’ve heard it’s easy to make money. But I’m scared I might lose all of my savings”
“I want my money to work for me. I want to get rich. But I’m not sure how to get started.”

Do all of these thoughts echo in your mind right now?

Well, you’re not alone.

We all want to have a better life and a much more stable financial standing. We all want to stop worrying where did all our money go and become financially sufficient instead. The thing is, how and where should we get started?

[Read more…]

Your Basic Guide to Pag-IBIG Fund

We all know what Pag-IBIG Fund is, most of us have it. But do we really know how it works?

Pag-IBIG is an acronym for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno. It was set up by the government to assist the working class in buying a home. The fund covers all working Filipinos both here and abroad. The required contribution is at least P100 per month. If you like, you can contribute a bigger amount. OFWs can choose to pay a yearly lump sum.

pagibig [Read more…]

How to Save Money by Keeping Your Home Tidy

How to save
Can a clean home really help you save on money? It certainly can! If you look around your home, you’ll probably see cherished objects decking each room. While these mementos make you go “awww”, you’ll find that the more you add to this sentimental collection, the more clutter will build up. Streamlining your home’s décor and keeping it neat not only frees up space, it will also help you save money! Here’s how a neat home can help you save money:

Tidy and save [Read more…]

10 Money Tips for the Holidays


The holidays are just around the corner. As a mom, I’ve realized that Christmas can be both fun and stressful. It’s fun because it’s a time of gift giving and reunions, yet stressful because of the hectic schedule and budgeting. As a mom of three young kids, I had come to realize that this holiday requires some financial and practical planning. Here are a few tips from me and my other mom-friends:

10 tips
[Read more…]

Stepping Out, Stepping Up!

Credit debt

A lot of people are now suffering from growing and overdue debt because of their credit cards. I want to share that this problem can actually be overcome.

My wife and I have been battling with credit card debt for almost 8 years.

We accumulated our debt while we were still single. It continued to pile up when we got married. Since we were so excited with having money (electronic), aba, swipe dito at swipe doon!

It was only later on that I realized that we were so deep in debt!

Debt Blog

[Read more…]

Bargain Hunting for Stocks

BargainEverybody loves a bargain. Kaya nga may mga SALE sa mall.:) And even in investing, people are always looking for a “bargain”. From stocks, managed funds and properties; people of course look for the best deal. Ang mahirap lang nga, pag investments ang pinag-uusapan eh we don’t really know how good of a deal we are getting. Put another way: Pag mura ba ang presyo eh ok na?

Well, someone once said that “Price is what we pay and Value is what we get” – and that is quite true when it comes to investing. Hindi naman kasi porke mura eh maganda nang bilhin agad – at hindi rin porke’t mahal ay pangit na itong bilhin.

Per share


[Read more…]

Market Primers

One of the most common sources of confusion for new market participants are the seeming contradictions between COL Financial’s Technical and Fundamental recommendations. Quite often, an issue rated as “Sell” on Technicals will be rated as “Buy” on Fundamentals. Bakit ganun?

Well, you have to understand that Fundamental Analysis (FA) and Technical Analysis (TA) are two very different ways of looking at the same company. Simply put: FA looks at the business while TA looks at the movement of the company’s stock price.
buy sell blog
Hence, if a stock’s price starts going down, it becomes less attractive from a TA standpoint while POTENTIALLY becoming more attractive from a FA view — nagiging mas mura kasi kompanya. Conversely, when stock prices start rising, they become less attractive sa FA while becoming more attractive sa TA.

Confusing? Yes. Lalo na kung pa-lipat-lipat ka.

So, kung beginner ka sa market, dadali buhay mo if you stick with one school muna. NEITHER school is perfect — they both have strengths and weaknesses and unless you pick a side, you will quite often end up confused and unable to act properly.

Put another way: Pag pa-akyat, ayaw bumili kasi mahal. (FA kuno) Pag nalaglag, ayaw pa din kasi “downtrend” na (TA naman). Kung ganun, kelan ka papasok?

Feel free to Like and Share

Aya Laraya

public seminarofw

A Landlord’s Primer (Part 2)

Today, we will discuss the other 2 parties that are part of every lease contract:

The Tenant and Ate Kim Henares (yes, kasama siya).


Ate Kim’s involvement is much shorter so lets start there.
Simply put, rental income is taxed. You have to report it and consolidate it with the rest of your income.

How? It is an absolute headache but here is a BASIC overview of the things involved:


    [Read more…]