What can we help you with today?

(Begin by asking a question. Consultation is free and friendly, regardless of how long it takes, how frequent you come back for more.) And  if that makes you feel more secure about your privacy, ask anonymously. That’s no problem with us. )
  • How to make my current income meet my current needs?
  • Help me establish spending priorities and balance my budget?
  • How many credit cards does one really need? How do I use a credit card wisely and avoid getting on the stressful debt treadmill?
  • I am being harassed and hounded by a collection agency re my credit card debt. Should I take their tiresome threats seriously?
  • How do i stop myself from buying things i don’t need just to impress people I don’t like?
  • Is it better to pay off my credit card or invest my savings?
  • What good habits should I develop to start accumulating wealth?
  • Should I switch jobs just because the pay package offered is so attractive?
  • Should I invest in an MBA education?
  • When is the best time to start investing?
  • I am still single.  What is the first financial asset I should plan for?
  • If I can bring myself to stop paying P 100 or so a day just to seen  sipping expensive coffee  and looking cool  in starbucks , I might save about P 2000,  maybe even more, a month. What can I set this aside for?
  • Buy a car or lease? Or neither?
  • Should I buy whole life insurance? Term insurance? Or variable unit-linked plan?
  • How much insurance do I need?
  • I received an insurance proposal from a relative, and i want to compare this with other plans, but I don’t want to contact insurance agents directly. I just want some quotes for comparison. Where can I get quotes quickly?
  • How to combine our finances now that we’re married?
  • How to plan for our children’s education?
  • Why invest in a college savings plan when one can invest into equities directly and early enough and draw on funds when the kids go to college?
  • I’m looking at 3 savings plans from the big boys. What should be my main criteria for deciding which one to buy?
  • What healthcare plan should I be thinking of?
  • How to plan for long term health care?
  • Should I rent a house or buy?
  • How to finance our first house?
  • Should I invest in the stock market?
  • How much money should I invest in the stock market?
  • Is it better to be an active trader or long term investor in the stock market?
  • How do i know I am investing and not just speculating?
  • Should I buy debt instruments? Mutual funds?  Commodities? Foreign currencies? Bitcoin? How do I invest in my own self?
  • Help me figure out my risk profile?
  • Why should i buy an ETF instead of a mutual fund?
  • Is there a minimum amount to invest in an ETF in the local market?
  • What kind of mutual fund should I buy?
  • Do I need an investment manager or just a broker?
  • I am determined to invest in equities. How do I choose a stock broker?
  • A seasoned investor gave me a hot tip about a listed issue in the stock market about to fly. Sould i listen and buy what he recommended?
  • I have a small portfolio of equities that I manage myself. Should I know something about alpha and beta risks?
  • The PSE will allow short selling beginning October, 2018. Is this good for beginning investors?
  • Does the random walk hypothesis apply in the local stock market?
  • What makes investing in real estate a slum dunk?
  • How to invest in properties?
  • Should I sell my first house, now that we’ve moved in to a new and bigger one?
  • How to provide healthcare for our parents/grandparents?
  • What to do with my annual bonus?
  • Buy a SUV or a condo as graduation gift for my favorite daughter?
  • I have an ongoing small business. Help me prepare my BIR tax forms? Help me secure short term funds from institutional or non traditional sources?
  • I am due to retire soon and expect a sizeable retirement lump sum amount. Where should I put it? What should I still be investing in, when my children have all graduated, and one has his own family now?
  • I am thinking of starting a business. Can you vet my business plan? Can you help me decide what type? Help me set it up?
  • Next to giving my children the best education I could afford, what’s the best financial asset to leave my children  with?
  • What asset is both a consumption and an investment good? One that can be enjoyed right away, and whose value keeps on appreciating over time?
  • Am thinking of investing in a vacation house for the family to enjoy.  What place nearest Metro Manila can you recommend?
  • Anything not listed above?

 

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