Investments made easy
Ngayong nagbukas sa pula ang merkado, maraming baguhan ang medyo nagdadalawang isip kung tama ba o mali ang ginawa nilang pagpasok sa stocks. (Klaro lang: Para sa akin, baguhan ka pa kung wala ka pang isang taon sa market. 
)
So, eto lang mga mapapayo ko:
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BY TONI TIU
Mahirap magtipid. ‘Yan ang iniisip ko dati, kaya naman hirap talaga ako magtipid. Pagdating ng sweldo, kung anu-anong style na ang sinubukan ko. Nasubukan ko ang “50/30/20 budgeting rule.” Ang ibig sabihin nito ay maglalagay kayo ng 50% ng inyong kinikita sa mga necessities or araw-araw na pangangailangan tulad ng pagkain, kuryente, upa sa bahay, damit. Ang 20% naman ay ilagay sa long-term savings o pambayad ng utang, tulad ng car loan. Ang 30% naman ay para sa “lifestyle choices.” Ito yun mga hindi naman kailangan talaga ngunit nakakapagbigay saya kahit papaano – pagkain sa labas, bayad sa cellphone, bakasyon, etc. Sinubukan ko ito ng ilang buwan at epektibo naman ito.
Pero may isa akong natutunan na technique na mas epektibo. Ito ay ang pagtala araw-araw ng aking gastos.
Sinubukan ko ito noong Pebrero. Bawat labas ng pera sa aking bulsa ay tinala ko sa isang maliit na notebook. Heto ang ilang mga halimbawa mula sa aking mga record:
If you recall back in 2013, the Philippine Stock Exchange went on a record-breaking tear as it broke through the 7,000 for the first time and then went through steep correction. The main culprit: Then FED Chairman Bernanke’s statements regarding the end of Quantitative Easing. Interestingly, once Quantitative Easing did end, equities resumed their upward trend.
This week, current FED Head Yellen is expected to discuss when they will raise U.S. interest rates. The concern is that if she indicates that the rate increase can be as early as this June, then equities will most likely drop in the short term. (Boooooo!!!) 
However, since the underlying reason behind the rate hike is the supposed improvement of the U.S. economy as a whole, then the medium to long term prognosis for equities should still be positive. (Hooray!!!) 
In fact you may want to take a look at any drop as a potential entry point into currently expensive stocks rather than as a reason to leave equities altogether.
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
Ngayong lumabas na ang mga detalye ng Metrobank Stock Rights Offer (SRO), pwede na nating sagutin ang mga sumusunod:
Learn from our latest blogs as we share the importance of financial education, the benefits of investing, and how you can start saving for your future.
Learn from our latest blogs as we share the importance of financial education, the benefits of investing, and how you can start saving for your future.
Caring for Your Health Requires Caring for Your Money
“An apple a day keeps the doctor away.” This is just one of the sayings we grew up with. We’ve got dozens of these that put emphasis on health. It only goes to show that health is one of our major priorities.
The following are health maxims that we try to live by: eat a balanced meal, have a good night’s sleep, and drink 8 glasses of water a day. This is the ideal scenario, but let’s be honest – there are times that we just crave for junk food, pizza, and other fast food meals. Kids nowadays, instead of playing outside are glued to their video games. This is the reason why we should take extra care of our health.
You know what they always say, “Health is Wealth”. Having a lot of money is useless if you are not in good shape. How can we enjoy what life has to offer if we are sick or lacking energy?
But aside from the fact that Health is Wealth, in today’s society, “Wealth is Health” is [Read more…]
One of the most common excuses we hear from people who never get started to invest is “Next time na lang, when I have extra money.”
This was also Pong’s excuse when Ping encouraged him to invest as well. (Read their story again here: How to Use Time to Make Millions)
Let us take a look at why Pong never got to invest early.
Pong is such a social person. He never missed lunch-outs with his officemates where they bond at different restaurants. He spent around P200 a day for this. [Read more…]
Are you looking for the best advice regarding Personal Finance and Investments? Look no further!
Our community of Smart Investors from around the world chose these top blog entries as their most read and liked posts.
Do not miss this chance to read these blog entries to help you understand personal finance and investments, the simple and easy way!
One of our most Frequently Asked Question of all time: “Paano mag invest sa stock market?” [Read more…]
