Wealth and Finance

Conservative or Aggressive? How to Choose Investments Based on Your Risk Tolerance

July 24, 2018 by Ray L. Leave a Comment

Tagalog Version (Click Here)

Just like applying for a new job or starting a new business, investing always carries risk. While you can earn lots of money from well-chosen investments, you can also choose bad ones by mistake and lose a lot. Do you prefer safety and lower volatility, or do you prefer riskier and more volatile investments that can generate more income?

Here’s a short guide on how to choose investments based on your risk tolerance.

Disclaimer: Do your research! No matter how “safe” or “good” an investment is, it’s worthless if you get scammed because you didn’t study what you’re buying!

By the way, if you don’t know what the basic investments are, we suggest that you read these articles first:

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Which Is Better for You, a Credit Card or Personal Loan?

July 20, 2018 by Contributor 1 Comment

*Contributed by Shiv Nanda of MoneyTap.com.

Credit cards and personal loans are both good solutions for financing regular expenses as well as unexpected ones. Both products are basically unsecured loans that do not require collateral backing, and you can repay them over time.

So, how do you choose which one to get?

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What is Diversification and How to Protect Your Investment Portfolio

July 17, 2018 by Ray L. 2 Comments

Tagalog Version (Click Here)

There’s a famous investing proverb that says you must never put all your eggs in one basket. It makes sense. If you drop that one basket, you can lose ALL your eggs. Similar to that, it’s wise to NOT put all your cash in just one investment. If that particular investment fails, you can lose a LOT of money.

So how do you protect your investment money? Simple. You must learn to diversify your portfolio! Instead of putting ALL your money in just ONE investment (one company, one kind of investment, etc.), you have to invest in MANY!

Here are three simple ways to use diversification to protect your investment money.

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How to Stop Wasting Windfalls, Bonuses, and Cash Gifts

July 10, 2018 by Ray L. Leave a Comment

Tagalog Version (Click Here)

There’s a reason why most lottery winners lose all that they’ve won after a while, and we all experience it whenever we receive a cash bonus or a large cash gift. Have you ever received a large amount of cash and lose it almost immediately because you couldn’t stop yourself from going on a shopping spree? Have you ever regretted spending that money because there were suddenly a dozen other, more important things you could have spent it on like paying debts or bills? If you’ve answered yes to those questions, then here’s a simple guide for you.

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Blogging 101: Our Top Tips for New Bloggers

July 3, 2018 by Ray L. 6 Comments

Tagalog Version (Click Here)

Blogging and running a website is one of the most well-known methods of earning money online, and we’ve already discussed how to create a blog on our previous article (on this link). This time, we’ll discuss our top tips on how to last longer as a blogger, how to become more effective at it, and the good habits that you need to learn as you continue writing for your own blog.

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