finance

Tips on How to Start an Online Investment Account

October 23, 2018 by Ray L. 2 Comments

Tagalog Version (Click Here)

In the past few years, a lot of Filipinos are becoming more and more interested in saving and investing money and I’ve also noticed more and more Filipino personal finance and investing books popping up at the local bookstore. Just last week my OFW (Overseas Filipino Worker) uncle who lives in America came over to visit and he told me he was going to start an investment account on a popular Philippine online stock broker. He had a lot of questions, and I was happy to answer him and teach the basics.

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While talking to my uncle, I remembered that while he is comfortable with online registration and all that, a lot of older Filipinos aren’t really tech savvy and could fall prey to online scams. Here are some tips for you if you’re thinking of registering for an online investment or brokerage account.

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Why is car finance cheaper with small companies than the big banks?

October 23, 2018 by Contributor Leave a Comment

Why is car finance cheaper with small companies than the big banks?

When you’re getting car finance, it can be overwhelming when faced with the number of institutions offering loans and leasing options. From big banks, to small boutique companies, you need to figure out which provider will give you the best option for car finance.

Many people find that small companies can offer car finance that is cheaper than that offered through the big banks. There are a few reasons for this but it’s always worth doing your research and finding out the best option for you.

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Pagkamit ng Ibang Kayamanan sa Buhay: Bakit Hindi mo Dapat Balewalain ang Halaga ng Pera

September 26, 2018 by Ray L. Leave a Comment

English Version (Click Here)

Sa isang nakaraang article, sinabi ko na maraming iba’t ibang klase ng kayamanan bukod sa pera. May mga bagay tulad ng kalusugan, karunungan, pakikisama sa iba o relationships, mga nagawa para sa iba, at napakarami pang iba. Maraming bagay ang mas-mahalaga kaysa sa pera, pero huwag mo iyong gagamiting dahilan para itigil ang pagsisikap upang yumaman at umasenso.

Habang ang pagtrato sa pera bilang mas mahalaga sa mga bagay tulad ng pagrespeto sa sarili at pagrespeto sa batas ay nakakapagdala ng malaking pahamak, hindi rin naman natin ito pwedeng balewawalain. Ang pera nga naman ay isang napakahalagang kagamitan tulad ng mga kotse, eroplano, computer, at marami pang iba. Narito ang ibang kayamanan sa buhay na makakamit mo kapag nagsikap kang umasenso:

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Obtaining Life’s Other Riches: Why You Must Never Look Down on Money

September 26, 2018 by Ray L. 2 Comments

Tagalog Version (Click Here)

In a previous article, I mentioned how there are many kinds of wealth in life aside from just money. There are thing like health, wisdom, relationships, your contributions to society, and several others that are all important. There are many things more important than money, however you must never use that as an excuse to stop trying to improve your financial life.

While treating money as something more important than things like self-respect or the rule of law leads to trouble, it’s not something we can just dismiss either. After all, money is a very useful tool, like cars, airplanes, computers, and many others. Here are a few examples of life’s other treasures that having financial wealth can help you achieve:

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Investing 101: Ano ang Fundamental at Technical Analysis?

September 5, 2018 by Ray L. 4 Comments

English Version (Click Here)

*Ang article na ito ay naglalaman ng affiliate links.

Number one rule sa pag-invest: ALAMIN mo kung ano ang pinaglalagyan mo ng pera. Hindi mabuting ilagay sa panganib ang perang pinaghirapan mo kapag ilalagay mo ito sa hindi kilalang stock ng kumpanya o iba pang investment. Kahit ang mga magsasaka pinag-aaralan muna ang lupa, season, at panahon bago sila magtanim. Kailangan alamin mo muna kung ang isang asset o investment ay matatag o secure kaysa magpapaniwala ka sa kung sinu sino. Baka kasi mas wala silang alam kaysa sa iyo.

Tulad din ng sports na napakaraming istratehiya at tactics dahil sa dami ng mga coach at propesyonal, marami ring istratehiya sa pagpili ng mabubuting stocks at iba pang investments. Ang mga istratehiya na iyon ay pwedeng uriin sa dalawang klase, at iyon ay ang fundamental at technical analysis.

(Disclaimer: Napakaraming investing methods at istratehiya at matatagalan tayo ng husto kapag susuriin natin silang lahat dito. Dahil doon, sa article na ito pag-aaralan lang natin ang basic o pangunahing pagkakaiba ng fundamental at technical analysis.)

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