On a recent trip to Hong Kong, I spent a lot of time using their subway, and it struck me how seamless the experience was. No matter what time of day I walked into a station, I could always board the next train. Even during rush hour, I never had
Recently, one stock has dominated conversations among investors in the Philippines: PLUS. This stock has become the hottest topic in the local market, and for good reason. PLUS saw massive profit growth, jumping from about ₱1.2 billion of earnings in 2022 to an impressive ₱12.5 billion in 2024.
Global political tensions are on the rise in the Middle East. Many investors are tempted to quickly sell their portfolios in response to recent news, and while this reaction seems reasonable, it likely won't be profitable. Let's look at a local example to understand why you
Here’s a riddle that checks how well you understand the mathematics of growth. Let’s say we have a pond with a single lily pad. It’s a special lily pad that grows very fast, doubling in size every day. It’s expected that on the 30th day, the
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice. It's just education. Please think through your situation before applying anything you read here. This Month’s Recommendation: Warren Buffett Is Stepping Down
It’s April 2025 as I write this, and the world is once again on edge. Earlier this month, former President Trump announced sweeping new tariffs, bringing the average U.S. tariff rate to 22%—the highest level since 1910 [1]. Markets responded swiftly. The S&P 500 dropped
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice. It's just education. Please think through your situation before applying anything you read here. This month's recommendation: Cirtek Suspends Preferred Shares
In this newsletter, I share content to help you become more financially savvy. This is not financial advice. It's just education. Please think through your situation before applying anything you read here. Here's a couple of articles I wrote for the Manila Bulletin in the last
This article first appeared in the Manila Bulletin. You can read the original here: https://mb.com.ph/2025/1/1/don-t-settle-for-average-returns In 2008, Warren Buffett made an interesting bet. He bet 1 million dollars that a hedge fund would be unable to beat a basic index fund over a
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice. It's just education. Please think through your situation before applying anything you read here. This month's recommendation: Bill Granting ABS-CBN New
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice, so please think through your situation before applying anything you read here. This month's recommendation: This Man Lost Over 1/5 of His
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice; it's just education. Please think through your situation before applying anything you read here. This month's recommendation: How to Think About
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice; it's just education. Please think through your situation before applying anything you read here. This month's recommendation: Should You Invest Based
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice; it's just education. Please think through your situation before applying anything you read here. This month's recommendation: An Excerpt from Security
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Recap This series aims to break the “Myth of Easy Money”, which is the idea that starting a business is a guaranteed way to make more money for less time and effort compared to working a job. It approaches the topic solely from a money, time, and resource-based perspective, so
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Studying just one stock is a massive commitment that requires hundreds of hours of reading. To avoid wasting time on dead leads, you can initially screen the stocks you’re interested in to check for any red flags. Two common screening ratios are Return on Equity (ROE) and the Price/
In this newsletter, I share content I encountered over the past month that will help you become more financially savvy. This is not financial advice; it's just education. Please consider your situation before applying anything you read here. This month's recommendation: 10 Businesses To Start BEFORE
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice; it's just for education. Please think through your situation before applying anything you read here. This month's recommendation: How to Choose
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice, so please think through your situation before applying anything you read here. This month's recommendation: Thinking Fast and Slow by Daniel Kahneman (book
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Quick Recap This series aims to break the "Myth of Easy Money", which is the idea that starting a business is a guaranteed way to make more money for less time and effort compared to working a job. In part 1 of this series, I described how Work
In this newsletter, I share content I bumped into the past month that’ll help you become more financially savvy. This is not financial advice, so please think through your situation before applying anything you read here. You're responsible for all your financial decisions. A Youtube Video from
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About This Series There's a misconception that starting a business is a sure way to make more money for less effort compared to working a job. Supposedly, if you just quit your job and start a business, within a very short time, you'll make millions and
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I’m writing this in 2023. For most readers (millennials and younger), the ongoing economic downtrend is probably your first time managing your finances during a bear market. Bitcoin lost half its market price from its peak. Axie, once a national sensation, is now irrelevant. The Philippine Stock Exchange Index
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As recently as 2016, salt lamps were considered luxurious items with high price tags of 4 to 15 thousand pesos per lamp. My wife saw that salt lamps were sold incredibly cheap wholesale, so we started a business around them. The Rise We sourced salt lamps from wholesalers at a