Manila, Philippines
geri@investmoney.com.ph

Category: Economics 101

stocks charts

Stock Market Outlook 2019 – COL Financial, BPI Asset Mgt

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The PSEi ended in red this February, closing at 7705, down by 4.3% for the month. This comes after months of recovery starting October last year. On the monthly chart, the conversion line (blue) of the ichimoku cloud system remains below the base line (red line) which means it remains bearish and the recovery from…
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business district

Real Estate Leaders Share Optimism, Challenges in the Industry in Media Roundtable

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From the role that internet plays in the real estate sector to what’s in store for the commercial and residential property developers targeting the POGO (Philippine Offshore Gaming Operators) market, the recently concluded Lamudi’s Outlook Media Roundtable Series 2019: An Excellent 2018 for Philippine Real Estate and Raising The Bar in 2019 offered a glimpse…
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home loan repricing

Ask Geri: Bakit Lumaki Yung Bayad ko sa Home Loan Dahil sa Repricing? Aakyat pa ba ang Interest Rate ng mga Home Loan?

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Hi Geri, Katatapos lang ng repricing ng home loan namin. 1-year repricing kasi kinuha namin last year. Pero tumaaas ng higit P1,000 yung buwanang hulog namin ngayon. Bakit ganun? 🙁 -MTR *** Hi Geri, Malapit na kami mag-avail ng bank financing para sa condo namin na for turn-over na. Para saan yung repricing? At ano…
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Good Read: Predictably Irrational by Dan Ariely

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Recommend this book to those who want to know themselves more, learn more about personal finance and those who want to know certain discreet yet recurring human tendencies that hinder us from pursuing financial freedom.

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Where Did The 1.2 Trillion OFW Remittances Go?

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Despite these numbers, it makes me wonder, where did all the money go?

There’s a saying strike while the iron is hot. It didn’t say spend while the iron is hot.

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Inflation: Passive Expense and How Much Just To Keep Up?

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Juan’s PHP1,000 in 2006 should be PHP1,395 in 2014 just to get by, keep up with inflation and retain the same purchasing power for the same level of expenses. With rising needs and standards of living (hence more expenses) and more mouths to feed, keeping up with inflation is not enough. A 40% return in 8 years is then, not enough. Now do your own math.

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PH Banks: Who Are the Too-Big-To-Fail? Or Three-Big-To-Fail?

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A cool economic concept cited is moral hazard. Formally defined as when one party engages in excessive risk taking because another party has agreed and is ready to absorb the impact of such risks.

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Get a Home Loan Soon(er); Loan-to-Value (LTV) and Interest Considerations

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BSP is planning to lower and tighten the LTV cap to 60%, which means future borrowers will have to shell out higher DP at 40%. This effectively makes the target market for home loans smaller since not everyone can easily afford a 40% DP.

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BSP Increases Rates; Putting My Coins in A (Coin) Bank

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I started late last year, wherein every end of day or end of week, I save my loose change, PHP5s and PHP10s. I considered these as expense already, meaning I don’t count these as part of my savings and assets in my personal SALN.

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Juan Liners: Demographic Sweet Spot and Other Drivers (or Show-stoppers) of Philippine Economy

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The demographic sweet spot is said to be the time when our population has below 30% of aged less than or equal to 15 while those aged 65 or higher is less than 15%. Which means 55% of our population is aged 16 to 64 are economically productive and income-earning.

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