investing

What is Inflation? (Economics and Investing Basics)

March 28, 2019 by Ray L. 3 Comments

Tagalog Version (Click Here)

The inflation rate made the news last 2018, but judging from the comments section on news articles, it seems that a lot of people don’t really understand what it means or how it works. For example, some people were praising the unusually high inflation rate like it’s a good thing, and they don’t seem to understand how bad the situation was especially as they say other countries experience it too.

Some people also mistakenly thought that the higher rate was because there was an increase in the number of jobs and the income increase was devaluing the peso, when that’s actually false (this was a “cost-push” type thanks to a then-recent tax law that also has an excise tax on fuel).

So what’s inflation anyway? Let’s discuss the basics, so keep reading to learn more!

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Ano ang Inflation? (Basics ng Economics at Investing)

March 20, 2019 by Ray L. Leave a Comment

English Version (Click Here)

Noong 2018 nabalita sa news ang napakataas na inflation rate, pero noong binasa ko ang mga comments sa news articles, parang marami ang hindi nakakaintindi sa inflation at kung paano ito gumagana. Halimbawa, pinupiri ng ibang tao ang pagtaas ng inflation rate dahil akala nila mabuti ito, at parang hindi rin nila naiintindihan kung gaano kalala ang sitwasyon dahil sinasabi nila na mataas rin daw naman inflation sa ibang bansa.

Akala rin ng iba, ang inflation sa Pilipinas ay tumaas dahil dumami daw ang nagkatrabaho at ang pagdami ng mga sumasahod ay nagdulot ng pagbaba ng halaga ng peso, pero hindi naman ito totoo (ito ay “cost-push” dahil sa bagong tax law at sa nilalaman din nitong excise tax sa fuel).

Ano ang inflation? Talakayin natin ang basics ngayon, kaya ipagpatuloy mo lang ang pagbabasa!

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What are Bonds? (Investing Basics)

March 19, 2019 by Ray L. Leave a Comment

Tagalog Version (Click Here)

*This article contains affiliate links.

If you’ve started learning about investing, you’ve probably heard about investments called bonds. Along with stocks, real estate, and mutual funds/ETFs, they’re another popular investment vehicle. While bonds have lower yield (how much you can earn), they’re generally less volatile and they behave differently compared to stocks and mutual funds.

We’ve covered stocks and mutual funds on previous articles (click those links), now let’s talk about the basics of bonds and the bond market here!

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Ano ang Bonds? (Investing Basics)

March 19, 2019 by Ray L. 3 Comments

English Version (Click Here)

*Ang article na ito ay naglalaman ng affiliate links.

Kung nagsimula ka nang magbasa tungkol sa investing, malamang may narinig ka na tungkol sa investment na tinatawag na bonds. Tulad ng stocks, real estate (lupa), at mutual funds/ETFs, ang mga bonds ay isa ring popular na investment. Habang mas mababa ang yield (perang pwede mong kitain) ng mga ito, hindi sila masyadong volatile o pabago-bago ang presyo. Bukod pa doon, iba rin ang galaw ng presyo ng mga ito kumpara sa mga stocks at mutual funds.

Tinalakay na natin dati ang stocks at mutual funds sa mga nakaraang articles (iclick mo ang mga links), ngayon naman tatalakayin natin ang mga basics tungkol sa mga bonds at bond market dito!

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Four Common Financial Mistakes to Avoid in Your 20s

January 10, 2019 by Contributor Leave a Comment

*Article contributed by Sarah Morris.

As a twenty-something, nothing beats the feeling of finally getting to earn money that you can call your own through your first job. Your newfound independence could send you into a frenzy that compels you to make bad decisions. However, if you don’t practice money management, you might end up broke and full of insurmountable debt by the time you reach 30.

When you’re in your 20s, you should avoid these four common financial mistakes:

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