Retiring during rising inflation

MOST Filipinos rely on social security for their retirement. However, despite the evidence in the past that depending on the government retirement program will surely lead us to despondent golden years. Still, from generation to generation, this is a considerable debate about whether to invest in it or just be faithful for the future. Of … Read more

Investing during war time

As investors, we know too well that volatility is part of the game, whether it is war or time of peace. That is why it is a good investment to have an alternative asset that will add to your diversification, which will then help reduce overall portfolio volatility. And now is a good time for you to check the health condition of your portfolio.

Managing your financial plan when interest rises

THE Bangko Sentral ng Pilipinas (BSP) announced last May 19 the decision of the Monetary Board to hike rates by 25 basis points (bps) effective May 20. Some analysts expect the Monetary Board to hike benchmark rates by 75 bps this year to tame inflation and reduce currency risks after the US Fed (US Federal Reserve) hikes its benchmark rates. … Read more

The Best Christmas Gift

Celebrations are a quick translation for “Christmas season’ for many Filipinos. Many Overseas Filipino Workers (OFWs) and seafarers also come home to their families for this annual merry making. This 2020 however, celebrations might not be the same due to the lingering effects of the pandemic on the Philippines. What could be the best way … Read more

How to Handle A Money Conversation During A Crisis

Joe was 21 years old when the 2008 financial crisis happened. He still remembers how severely affected his overseas Filipino worker (OFW) neighbors were that time. He considered himself lucky because his uncle helped him finish college and get hired by the shipping company where the latter was working. But his uncle was due to … Read more

Stop Running The Rat Race and Start Living A Life

Many people are losing jobs every day for reasons beyond their control. Even if you have a great position right now, it might not be there in six months. Like the Philippine weather that could change any time and become increasingly difficult to predict, the concept of job security is becoming obsolete. I had been … Read more

The Attitude That Stops Us From Becoming Rich

In most of the financial planning seminars that I have conducted, I’ve always asked the audience, “Who among you want to be rich?” Definitely, all hands would be up. No one dreams of being poor. My next question, “Who among you are willing to do whatever it takes to be rich?” Still all of them … Read more

How much do you need to be successful?

You’re listening to a very powerful motivational speaker inside a huge conference room. Before ending his talk, he throws out this question: “Who wants to become successful?” Everybody’s hand goes up in the air, which leaves you no option but to raise yours as well. After all, who doesn’t want to become accomplished in the … Read more

Are You Tracking Your Financial Grade?

When we were in school, it was not only parents but also noteworthy students who were grade-conscious. Exam results, medals, and recognition became the bases for favors, especially during shopping sprees. Grades turned out to be the ultimate bargaining power! Students who were described as carefree and infamous, on the other hands, were the ones … Read more

What is the Best Advice Someone Has Ever Given You?

More than a decade ago, I sailed with a rigorous, flamboyant, and quite an influential Swedish Captain. He was considered fierce-looking due to his immense built and strong foreign features. In fact, if it is your first time to sail with him, the tendency is to be afraid and aloof. Just like in any other … Read more