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Its one thing to talk about how to save money it is another thing to actually do it. Taking action may probably be the hardest between both.

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With the rice crises and rising oil prices that have been crippling ordinary Filipinos from all walks of life, coming up with a list of money saving tips is my small contribution to at least somehow in my own little way help ease the burden of my fellow countrymen. Aside from that “money saving tips” is one of the main themes of this blog.

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These days people are going nuts over supposedly “cure all” herbal food supplements which are being incessantly advertised in Philippine television and radio. Though having no guarantee to cure all types of diseases, many are being marketed as a potent food supplement against all known diseases.

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An Overseas Filipino Worker (OFW) started to work abroad. Having worked for several years there at the age of 29 had a total savings of P 100,000.00 (Philippine peso)

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When talking about investments we always want to consider the rate of return. We want to know how much we will be earning per annum. We then compare it with other investments, weigh the risk versus the rewards and make a decision on the matter based on whether the risk involved is compensated by the reward that can be obtained.

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People have been asking me lately if they should invest in the Philippine stock market or not. Majority of them also wanted to know how they should start. I am not sure if they are really serious about it. They could just be curious considering that it is all over the news that the stock market’s performance is very positive.

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Some of us has probably heard of the saying “Buy term, invest the difference” when it comes to buying insurance and considering investments. But do we really understand what this means? And if we do understand what this means, why do financial planners recommend that you buy term and invest the difference while your insurance agent is pushing you to buy their recommended product instead.

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Last time we discussed about the advantages or the reasons why you should invest in the stock market. We talked about the first three which are, potential for greater returns, part ownership of the company you are investing and belonging to a special group of people. This is the concluding part of this 2 part series. If you wish to view the entire article, check out my blog.

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