Mass marketing is dead. Or so that’s what everybody says. Although I wouldn’t call mass markets non-existent (there’s a good reason the big television networks and telcos are still raking it in), there is no doubt there’s been a proliferation of niche markets as never before. For sure, prosperity and technology have given rise...
Not a lot of people know that I was a C.P.A. The road from being a junior auditor at SGV to editor-in-chief at MoneySense and co-founder and chief executive of Learning Curve was a long and winding one, with crossroads at certain turns. I’m a classic case of someone who took up a college course...
There’s no such thing as a safe job anymore, is there? Well, perhaps there is, if you know how to recession-proof your career or nab one of the hottest jobs. There’s another way to stay the course even in rough job markets – build a portfolio career. It sounds fancy but it’s been going...
How do you split money duties in the first place? Well, there are three major roles to play as we’ve been practicing in our family: Role #1: Earning money Earning money for your family is a huge responsibility and puts a lot of pressure on you. We’ve seen single-income families who have managed to...
Everyone makes financial mistakes. I’ve had my fair share of boo-boos over the years. No, I don’t spend more than I earn. I pay off my credit cards in full. I don’t splurge on expensive things. I haven’t gotten myself fooled into a scam. I’ve never lost a lot of money in the stock...
I’m sure you have an Ondoy story to tell back in 2009. It’s embarrassing to admit that we made three mistakes that have cost us a lot: 1) our car was submerged in the flood due partly to our fault, 2) our comprehensive car insurance didn’t include an “Acts of God” or AOG clause,...
While generally men handle the earning and investing part while women manage the spending part, that’s not always the case. In fact, read this article that debunks the idea that men should do the investing while women should do the budgeting. However, we believe it’s not strictly a gender issue. Who does which depends on...
There’s more to personal finance than technical know-how. You see, managing our money has a lot to do with our attitudes and behavior. Financial freedom is more than having a net worth and cash flow that allows you to make working optional. It’s also about being freed from the bondage of materialism. Let me...
What do many couples fight about when it comes to money? Most of the time, they have different money personalities, like when one is a saver while the other is a spender, or one is a budget control freak while the other is blissfully indifferent (or, worse, is also a control freak!). Another major...
One of the funniest scenes from the comedy Austin Powers: International Man of Mystery goes this way: Dr. Evil: Gentlemen, it has come to my attention that a breakaway Russian Republic called Kreplachistan will be transferring a nuclear warhead to the United Nations in a few days. Here’s the plan. We get the warhead...
