Are you FED up?

Fed up
Yesterday’s release of the latest Federal Reserve minutes triggered a big rise in U.S. equity markets. In pretty much two sentences, the report sent the major U.S. indices ticketing upwards. This rise was after earlier concerns about the potential content of that report depressed markets.

Will all of this have an effect on our market today? Most likely it will. After yesterday’s 50 point drop and the close to 250 point drop since the index reached 7,400 a few weeks ago there is a pretty decent chance we will see a gain today.

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The Effects of Rising Interest Rates

Learn What You Can Do About It

Now that interest rates have been hiked, the next issue will be what the inflation rate for July will be. The spiel is that the inflation rate is expected to breach 5% — which is why the BSP raised rates.

Interest Rates

So, IF inflation does breach 5%, that means your money has to work harder in order to really grow. Has it? Have you been keeping track? :)

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Three Money Habits Filipinos Should Avoid

3 title

And How We Can Overcome Them
Filipinos have very unique money habits. For example, some Pinoys are very good savers, while others are extreme spenders. Some work hard for money, while others make their money grow. These different habits will determine one’s financial future. This is why it’s very important to check if we have money habits that might be compromising our financial future.

Here’s a list of common habits and mindsets that we can observe from our kababayans (or what we have ourselves) which can keep us from having a financially secure future:

3 money habits

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How to Assess ‘Double Your Money’ Investments

How to Assess Double Your Money Investments

Using the Rule of 72

Kung may nag-alok na sa’yo ng investment product, maaring narinig mo na ang linya na ‘to:
“Do-doble ang pera mo!”
and quite often, marami sa atin kapag naririnig ito ay napupukaw talaga ang atensyon. However, we should not be convinced to invest by this statement alone.

Although there’s nothing wrong with it, we must also consider other factors such as:
1. the time required for the investment to grow and
2. the interest rate at which money should grow every year.

If we don’t consider these, we might end up owning an investment na hindi naman talaga bagay sa’tin.

One simple way to assess how these “double your money” investments work is by using
the rule of 72.

health is wealth


[Read more…]

Resolution Check

Resolution Check

With the first quarter of the year now half-over, it’s a good time as any to see if we have actually made any progress with our financial resolutions for 2014. On the most basic level: Nagsimula ka na ba?

Click photo for source
Click photo for source

At the beginning of the year, I received lots of inquiries from people as to how they can make a change in their financial habits. Over at COL Financial, their seminars were packed as people came looking to make a change. However, as February rolled around, there has been a noticeable dip in the numbers. [Read more…]

Nothing Is Free In Finance


How’s your New Year going? I hope you’re having a blast. Speaking of which, did you notice the New Year’s BIG SALE in some malls?
One of the reason why aside from Christmas, New Year is another SALE season is because they know that you probably overspent during the holidays. What better way to attract people in the back in malls than huge discounts right?

not free [Read more…]

Saving and Investing 101

What we need aren’t just wishful thinking to save and invest someday BUT careful planning, informed decision-making, and well thought of action-taking to make sure that you can finally take charge of your finances.

To help you get started, here are our top blogs and episodes categorized for your ultimate learning experience!

How will you invest if you do not have money to invest? IPON MUNA! Everything about SAVING & BUDGETING here:

How to Save & Budget Wisely
Want to Save Money? Go on a Diet!
Ang Pera Mo at Ang Halaga Nito
Is What You’re Buying Worth It?
Episode 6 – Budgeting and Personal Finance

If you already have enough savings for emergency fund and other purposes, it’s time to start INVESTING! In this section, learn how to choose the investment that is perfect for your budget, lifestyle, and purpose.

What is a Good Investment?
Learn the Importance of Setting a Financial Goal
Episode 9 – Long Term vs Short Term Investment
Episode 12 – Social Cost of Investing

Did you know that with P5,000, you can be part of successful businesses in the Philippines? How? Learn more about investing in the STOCK MARKET here:

Be a Partner with Business Tycoons
5 Easy Steps to Start Investing in the Stock Market
Can a Student Invest in the Stock Market?
Peso Cost Averaging explained
Episode 1 – Stock Market

If you do not have the time, patience, and expertise to monitor the stock market, you have an option to invest in a MUTUAL FUND.

Ano Nga Ba ang Mutual Funds?
Episode 2 – Mutual Funds

Learn how an INSURANCE policy can protect your family
and your other assets:

Episode 3 – Insurance / VULs
Episode 10 – Insurance 2
How to Claim an Insurance Policy
Life Insurance Companies – Infographic

If you are an OFW, learn your different investment options here:
Episode 11 – OFW Investments
Money Lessons OFWs Should Know
Online Seminar

Happy learning and smart investing!

Signs of Scams in the Philippines


Despite the constant warnings, some Filipinos can’t seem to resist the idea of earning sky-high returns with only minimal effort on their part. This is the reason why every after few years, madami pa rin ang naloloko sa investment scams katulad ng nangyari last year sa Pagadian City.

SCAMS infographic

Did you know that aside from investment scams, there are others that try to victimize our fellow Filipinos daily? Here are some of them according to the Department of Trade and Industry: [Read more…]