A dog is considered a man’s best friend. Their loyalty and love for humans are almost always reciprocated, leading to their domestication at least 20,000 years ago. In the current year, how much does it actually cost to have a furry friend? Let’s find out. Dogs can be found anywhere in the country. You currently…
Ever thought of redesigning your home with a new set of furniture? An old one in your work station needs replacement but does not know where to buy? Furniture pieces have become a necessity in making our homes cozy and in accordance to our liking, how we build, create and design the corners of our…
Because of the heavy traffic that almost all Filipinos face on a daily basis, the existence of expressways and skyways in the Philippines was one of the greatest traffic solutions that every Filipino is grateful for because expressways and skyways can really speed up everyone’s trip, especially those traveling from North to South and vice…
Time has changed that people are now preferring jobs that are not on an Eight to Five time basis. The world has come to a generation wherein they become more financially aware to increase their streams of income and not just depend on being a salary person. Freelancing has become a trend that it further…
In the Philippines, mothers are giving birth to about 302 newborn babies for each hour. This roughly estimates to a total of 7,255 babies in a day! Due to the increasing amount of childbirth in the country, the local government and officials have thought of ways on how to support the mothers financially and aid…
Being a driver in the Philippines is not easy, especially with the new regulations and rules that must be met before you can obtain a driver’s license. Before you can fully obtain a driver’s license in the Philippines, you must first get a student permit; and yes, I understand how stressful this may be. Getting…
The clearance from the NBI may appear to be nothing more than a paper, but in reality, it reveals a great deal about your social position and image in the community. As a consequence of this, a great number of businesses and organizations consider this document to be a key need that is frequently non-negotiable….
The Unified Multi-Purpose ID card, or UMID card, is one of the most generally accepted forms of identification in the Philippines. In the event that you don’t already have a UMID card, now is a good time to get one because you can use it to prove your identity and to prove your legitimacy in…
We all know how difficult it is to simply get a valid ID in the Philippines, especially if you’re a student. Aside from a school ID, the easiest way to get a valid ID is to process and enroll for a postal ID. I remembered when I got married, this was the very first valid…
For sure, you too are tired of the endless queues on government agencies like SSS especially when you are availing some of its services. As we all know, SSS or Social Security System provides Filipino workers with replacement income, loans, benefits, and retirement pensions regardless if you’re working in a private or public company. Years…
What can you buy with P20 pesos? It is a simple question. You can take it as a helpless statement about how the value of our peso is becoming less and less over the years due to inflation. Way back in college, P20 pesos could buy a decent lunch. (Oh don’t ask what year that…
I am going to attempt and point out the risks and returns in investing in various assets in general. Of course, while the list below is not complete and as comprehensive as I would like it to be, I will try to be fair and objective. When doing a comparison, it is important for me to choose…
We’re now on the last post of our Investing series. I would like to say that you can go ahead and buy shares from the Philippine Stocks Exchange. But checking which stocks to buy, at what amount to purchase and how to build your portfolio are beyond the scope of this post. I recommend, instead, that…
You are reading this short course because you might have heard about investing, but you don’t know where to start. Don’t worry. I was once like you. This is first part in a series of articles about the basics of investing. And it is my hope that after you completed the course, you will walk away confident…
In Part I, I talked about the need to start saving money and investing early. Because the value of money grows not only with earnings (compounding interest) but also with respect with time, we found out that there is cost in waiting. The longer that you delay saving and having it invested, the lower your chances…
Why do companies decide to join Philippine Stocks Exchange? What are the benefits of the company going public? And how can retail investors invest in companies whose shares are traded on the exchange for the very first time? This beginner’s guide to IPO investing is going to talk about initial public offering or IPO. What…
Do you know that Social Security System has a special savings program exclusive to Filipinos working abroad? It’s called SSS Flexi-Fund, and it’s an investment option for overseas Filipino workers (OFWs) who would want to invest in a transparent, high-yielding savings offered by SSS. This article is going to discuss the benefits, eligibility, and how you can actually start…
Have you heard of feeder funds? Is this the first time you’ve come across them? If you said yes, then you’re in luck. This article is going to discuss what they are, who offer them, their pros and cons, and how you can get started in investing in them. What is a PH feeder fund?…
Don’t you know that there’s a stock that holds stocks of other companies? It’s called FMETF or First Metro Philippine Equity Exchange Equity Traded Fund, and it’s the only exchange traded fund in the Philippines. This article discusses an actual ETF that you can start investing to earn passive income. If this is your first time learning about it, please consider reading…
Long term negotiable certificate of deposit or LTNCD is one of the lesser known products in the Philippines that Pinoy can invest. In fact, BPI, Metrobank and BDO recently announced that they’re offering LTNCD with 4%, 5.375% and 3.75% interest per year, respectively. Maybe because of its name, which is rather long and intimidating. But don’t…
Investing a managed fund is one way to earn passive income. As already discussed, there are different companies that offer them: mutual funds, unit investment trust fund (UITF), exchange traded fund, Personal Equity and Retirement Account, and variable universal life (VUL) policy by the insurance companies. And there are different categories that are differentiated by the type of assets that they own: index fund, equities fund, balanced fund, bond funds, and money market…
