Stock-picking - The Semi-Easy Way Out

I like direct stock investment. It's exciting, it gives you a sense of control (well, only a little bit), the sense that you are making money is enhanced (compared to "just" investing it in an equity fund) - and again, it's exciting.
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Philippine Stock Brokers (Or Lack Thereof)

I guess that one of the biggest hurdle to investing is how to actually start investing.
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Want to save money? Don't bulk buy!

Want to save money? Don't bulk buy!  You can save money by buying in bulk - if you do it right. But most of the time, households are better off just managing their cash flows.
Ok, you got me. That isn't really accurate. You can save money by buying in bulk - if you do it right. But most of the time, households are better off just managing their cash flows.

First off, yes you do get a lower price (per unit, that is) by buying in bulk. But it's not that straight-forward.

And good personal finance decisions often can be analogous to what a responsible company would do in similar situations. Taking stock of your personal net worth is pretty much a company's balance sheet. And assessing your cashflow is like a company's income statement.

And since companies buy in large quantities, it makes sense that we should do so if we can, right?

Actually, no.
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Forex and commodities as alternative investments

The past few years, more Filipinos became aware of stock investing. And from what I read, there's more Filipinos investing now than in the past.

But there's actually a lot of investments available out there aside from stocks and real estate. And today, we have Bwayan Jordison to tell us about some of the alternative investments out there.
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On Building Good Habits

Do you believe that life is a series of decisions?

I know that sounds a little too philosophical for a small, random blog. But it's easy to believe so, isn't it?

Everyday we make a lot of  small and big decisions. What shirt to wear, which route to work to take, what to eat... and most relevant to this blog, even what/when/how we spend our money.

If you really think about all the decisions you have to make during the day, you might be exhausted just from cataloging them. But the really interesting thing is that when you make those decisions, you aren't thinking at all.

To be more specific, the actions you decide to take are based on habits and not conscious decisions at all. Studies show that around 40% of the things we do, we do simply because we got used to doing them.

Habits are powerful. We could be living half our lives on autopilot. Worse, we could be doing so without really deciding that the "flight plan" is really what we want.
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4 Stock Perils And What You Can Do To Keep Yourself Safe

4 Stock Perils And What You Can Do To Keep Yourself Safe.  Stock investing is profitable - and risky.   What if my bank closes own, will I lose my UITF too? What about Mutual Funds? Can mutual fund companies go out of business? What happens then? Can my stock broker go out of business? What happens then? What if the company I invested in gets suspended or de-listed by PSE?   While investing in stocks is inherently risky, at least it isn't a total leap of faith. There is some measure of protection, we just need to be aware of them.
Stock investing is profitable - and risky. I've written before how you can reduce your investment risk.

But some risks are beyond your control. Fortunately, you aren't totally unprotected and don't have to just accept them.
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