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Time Value of Money: How to Determine the Value of Money with Respect to Time

Money received today is more valuable than the same amount of money a year from now. It is essential to understand the relation between mone...

Etoro 3rd Month Update: Regaining from The December Disaster

Tomorrow will be my 3rd month investing in Etoro. After copying a few bad trades I've learned a few lessons which will hopefully help me reach my ROI within a few months. The most important lesson that I learned from the disaster that happened last New Year was to never let greed cloud my judgement.

Back in December I began copying 5 high risk Gurus that ended in a disaster. One of the gurus ended up closing his account, another one ended up wiping out his equity. The remaining three gurus lost around 40-50% of the equity I used to copy them. 

Bargain Prices on Bank Foreclosed Properties

If your in the market on buying a property or used vehicle with limited cash to spare then banks are the best place for you to start searching. Most banks have a list of foreclosed properties on their website and if you already have a good idea of what you want to buy, browsing their long list will be much easier.

Before you go run to the nearest bank near you, it is important that you know what you want and think hard about your decision before you buy a property or vehicle. I bargain prices  Even if you see a property with a very low price it is still important that you examine the property carefully and read the details of the description.

Below is a compilation of some of the Bank foreclosed properties here in the Philippines



If your planning on purchasing a Foreclosed vehicles it is best that you bring a mechanic with you. Some of these vehicles may have pristine exteriors and interiors but since these cars may have been in the warehouse for a while, having a mechanic with you will greatly lessen your chances on buying a lemon.

If you are looking for a foreclosed property, it is important that you read carefully the status and details of the property that you are interested in. Some of the foreclosed properties on their listing are still under litigation or may have problems with squatters. There are also instances when the bank still doesn't have the possession of the property and the previous owner is still occupying the property. It is still important that you make an ocular inspection of the said property before making 
a big decision.


Phillipine Stock Index Breach 6,200, Hit Record High

The PSEi gained 42.31 points or 0.68 percent to 6,234.73, surpassing the 6,192.42 record close on Tuesday January 29, 2013.

"The volumes we've seen in the past few days show that there is increased liquidity in the system that is finding its way into the stock market. This is supported further by expectations of benign inflation and low interest rates. Sentiment continues to be upbeat on the growth performance of the Philippine economy for the year which should support the index's journey to new territories," said PSE president and CEO Hans B. Sicat.



Top Gainers % Change
Alliance Global Group Inc +3.28%
First Gen Corp +3.25%
Megaworld Corp +3.12%
Metro Pacific Investment Corp                             +2.87%
JG Summit Holdings Inc +2.71%
Petron Corp +2.61%
Manila Water Co Inc +2.16%
SM Prime Holdings Inc +1.65%
Manila Electric Co +1.63%
Ayala Land Inc +1.43%
Top Losers % Change
Jollibee Foods Corp -1.09%
Metropolitan Bank &Trust -0.93%
Robinsons Land Corp -0.92%
International Container Terminal Service Inc.      -0.59%
Aboitiz Power Corp -0.39%
SM Investments Corp -0.26%
Semirara Mining Corp -0.24%
Aboitiz Equity Ventures Inc. -0.18%
SM Development Corp -0.17%
Globe Telecom Inc -0.09%

Data Sources: Yahoo Finance & Bloomberg Watchlist

Should You Buy or Rent a House?

Have you ever wondered if it was better to buy a house than to rent one? Whether or not it was better for you to pay a monthly mortgage instead of paying a monthly rent. Most of us that ask this questions rarely know where to start in order to make a good decision. When we think about all the factors to consider, its hard to know where to start. 

Nytimes interactive buy-rent-calculator simplifies the comparison between the monthly rent and annual increase vs monthly mortgage, the inflation rate and the increase in value of the property. I suggest you visit . This tool organizes all of these data and shows the results through charts and detailed computations.


The site also offers advance settings you can adjust in order to make the analysis more accurate. One thing that would have been great is if the site gave you the option of placing interest rate on the down payment if you opted to rent and invest the money for down payment instead. This would have made my decision easier since I am still torn between buying a house or renting and investing the amount on various investment vehicles.

If I invested the down payment in the sample above to stocks, and placed an average annual growth of 10% on the 400,000 down payment, it will amount to 6,584,680.90 thirty years after. If you accounted for inflation rate at an average of 6% the value of the investment will amount to 1,297,359.00. 

Although there are risks in investing in stocks, buying a home also has its own risks. Whether you opt for renting or buying it really boils down on which is more comfortable for you. The tools provided above will only aide you in your decisions.


Bloomberg Watchlist - Essential Tool for Tracking Your Investment

When I started investing regularly in trust funds and mutual funds I had a hard time tracking investments. I had to regularly visit each of my investments website to keep track on the NAVPU for each of my investments.

This really wasn't a problem then since I used the Cost Averaging method in investing in those funds. When I decided to switch my investment strategy to Value Averaging, I was having a hard time tracking the NAVPU of my investments, since I needed to know how much money should I come up for my next investments.

When I found out that Bloomberg has a tool to track all of my investment I immediately registered and tried it out. They have data for most of the mutual funds and trust funds here in the Philippines and their records go back to as far as 5 years. Asides from using Bloomberg Watchlist to track my investments, I can also use it to test out in investing in stocks and study it before immediately jumping in to invest.

If you are regularly investing in Mutual Funds, Trust Funds and Stocks I suggest you visit their website at http://www.bloomberg.com/markets/watchlist/ and try out this tool. The best thing about this tool is it is free.

Invest In UITF, Mutual Funds and Stocks with low Monthly Investments

For the past few years I've been regularly investing small amounts in equity funds through my insurance. Back in 2009, when I started this blog, I was interested in investing in Trust Funds, Mutual Funds and the Stock Market. The only problem was I couldn't come up with the money needed for the initial investment. Every time I reach a certain amount I usually spend it before reaching my goal.

A year ago I made the decision to straighten out my finances and limit my expenses. After a few months I eventually managed to invest in a trust funds. I read some books about investing and learned the ropes in how to minimize risk in investing in equities. I currently have a mixed portfolio of equity and bond funds. Although it took me a while to start investing in these funds. Investing in these funds regularly became easier after seeing the results of my investments.