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Investing Lessons from a Nerd


Posted by www.savingstips.com.ph Admin on 20 May 2013 / 0 Comment



By Efren Ll. Cruz, RFP   Have you heard of Elon Musk?  He’s a nerd who always dreamt of changing the world. And change the world he did.  (Much of the details on Elon that follow are from the Bloomberg Risk Takers documentary, Elon Musk Profiled.) For all intents and purposes, Elon is the real [...]

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Whoa, Another Rating Upgrade!


Posted by www.savingstips.com.ph Admin on 13 May 2013 / 0 Comment



By Efren Ll. Cruz, RFP   Two of the three major credit rating agencies in the world, S&P and Fitch have confirmed that indeed the Philippines is investment grade. It will be no surprise if the third one, Moody’s will soon follow suit. But shortly after, S&P warned the country of the possibility of economic [...]

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Insular Life brings your dollar returns to new heights


Posted by www.savingstips.com.ph Admin on 08 May 2013 / 0 Comment



Insular Life launches a new structured variable unit-linked insurance product which participates in the promising performance of Asia’s emerging companies– the small-capitalized companies (with market capital of USD300M to USD2B). Branded as I-Dollar Asian Gems, the product provides the opportunity to diversify your assets and to earn potentially higher returns for your dollars. Starting at [...]

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40 is Still the Old 40


Posted by www.savingstips.com.ph Admin on 06 May 2013 / 0 Comment



By Efren Ll. Cruz, RFP   Lately, I had been getting requests for the construction of comprehensive financial plans for 40 year olds.  The common reason they give me for wanting their own plan is that turning 40 years old made them realize that they were at the half-way mark of their lifetime and that [...]

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How Does Compounding Happen in Stock Investing (part 2)


Posted by www.savingstips.com.ph Admin on 29 Apr 2013 / 0 Comment



Efren Ll. Cruz, RFP   In the first part of this blog, I talked about how compounding can be had in stock investing, whether directly or indirectly, with or without interest or cash dividends.  I did promise to discuss how compounding can be had from pooled funds and stock trading. But I also promised to [...]

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How Does Compounding Happen in Stock Investing (part 1)


Posted by www.savingstips.com.ph Admin on 22 Apr 2013 / 0 Comment



Efren Ll. Cruz, RFP   People have often asked me how compounding works in stock investing. Before I answer this question, it would be best to first define what compounding means.   The very basic definition of compounding is to put together. It’s like playing with Lego, those colorful interlocking toy bricks that kids place [...]

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INSULAR LIFE 2012 NET INCOME INCREASES TO P3.2 BILLION


Posted by www.savingstips.com.ph Admin on 19 Apr 2013 / 0 Comment



Leading Filipino life insurance company, Insular Life, reported a consolidated net income of P3.2 billion in 2012, an 11 percent increase over the previous year’s income.  The company’s net income has consistently increased every year, securing its foothold among the top three most profitable companies in the entire insurance industry. In a statement released by [...]

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Financially Literate Employees = Higher Profits


Posted by www.savingstips.com.ph Admin on 15 Apr 2013 / 0 Comment



By Efren Ll. Cruz, RFP   I have been conducting personal finance education training since 2004 and so far it has been a bumpy ride. Employers tend to question spending on teaching their employees personal finance skills that are not directly related to their work.  Plus, many employers feel that giving a salary or wage [...]

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Who Stole the Cookie from the Cookie Jar?


Posted by www.savingstips.com.ph Admin on 08 Apr 2013 / 0 Comment



By Efren Ll. Cruz, RFP   When I was much, much younger, we would gather around in a circle and play a game that went like this:   Player 1: Who stole the cookie from the cookie jar? I think number 2 stole the cookie from the cookie jar. Player 2: Who me? Player 1: [...]

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So What if the Philippines Got a Rating Upgrade?


Posted by www.savingstips.com.ph Admin on 01 Apr 2013 / 1 Comment



  By Efren Ll. Cruz, RFP   Last Wednesday, Fitch Ratings, one of the three ratings services (i.e. the other two are S&P and Moody’s) watching our country gave us a rating upgrade.  It was by no means an ordinary rating upgrade because the upgrade finally brought the country to investment grade. And it will [...]

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  • Upcoming Events

    May
    24
    Fri
    10:00 am Career Opportunity Presentation-Bacolod @ Insular Life Building, 2/F
    Career Opportunity Presentation-… @ Insular Life Building, 2/F
    May 24 @ 10:00 am – 12:00 pm
    Be an Insular Life Financial Advisor! A Career Opportunity Presentation is held every Friday, 10am at the 2/F Insular Life Bldg, Galo cor. Lacson Sts. Bacolod [...]
    10:00 am Career Opportunity Presentation-Dagupan @ Insular Life Building
    Career Opportunity Presentation-… @ Insular Life Building
    May 24 @ 10:00 am – 12:00 pm
    Be an Insular Life Financial Advisor! A Career Opportunity Presentation is held every Friday at the Insular Life Bldg, Arellano St. Dagupan City. For details, please [...]
    1:00 pm Career Opportunity Presentation-Iloilo @ Insular Life Building
    Career Opportunity Presentation-… @ Insular Life Building
    May 24 @ 1:00 pm – 3:00 pm
    Be an Insular Life Financial Advisor! A Career Opportunity Presentation is held every Friday, 1pm, at the 2nd Floor, Insular Life Bldg., General Luna St. Iloilo [...]
    3:00 pm Business Opportunity Presentation-Naga City @ G/F, RL Building
    Business Opportunity Presentatio… @ G/F, RL Building
    May 24 @ 3:00 pm – 5:00 pm
      Be an Insular Life Agency Leader! A Business Opportunity Presentation is held every Friday, 3-5pm at Insular Life Naga District Office, Ground Floor,  RL [...]
    May
    25
    Sat
    9:00 am Career Opportunity Presentation-Cebu City @ Insular Life Cebu Business Centre, Mindanao corner Biliran Rd, Cebu Business Park
    Career Opportunity Presentation-… @ Insular Life Cebu Business Centre, Mindanao corner Biliran Rd, Cebu Business Park
    May 25 @ 9:00 am – 10:00 am
    Be an Insular Life Financial Advisor! A Career Opportunity Presentation is held every Saturday, 9am at the 2/F Training Room A&B, Insular Life Cebu Business Centre. [...]
    9:00 am Career Opportunity Presentation-Legazpi City @ 3rd Floor, Insular Life Training Room, Insular Life Building
    Career Opportunity Presentation-… @ 3rd Floor, Insular Life Training Room, Insular Life Building
    May 25 @ 9:00 am – 11:00 am
    Be an Insular Life Financial Advisor! A Career Opportunity Presentation is held every Saturday, 9am at the 3rd Floor, Insular Life Training Room, Insular Life [...]
    9:00 am Career Opportunity Presentation-Naga City @ Insular Life Naga District Office, Ground Floor, RL Building
    Career Opportunity Presentation-… @ Insular Life Naga District Office, Ground Floor, RL Building
    May 25 @ 9:00 am – 11:00 am
    Be an Insular Life Financial Advisor! A Career Opportunity Presentation is held every Saturday,  9-11am at Insular Life Naga District Office, Ground Floor, RL Bldg, [...]
    May
    27
    Mon
    9:00 am Business & Career Opportunity Presentation-Ozamis City @ 2/F Insular Life Bldg
    Business & Career Opportunity Pr… @ 2/F Insular Life Bldg
    May 27 @ 9:00 am – 11:00 am
    Be an Insular Life Agency Leader or Financial Advisor! A Business & Career Opportunity Presentation is held every Monday, 9am at the 2/F Insular Life [...]
    May
    28
    Tue
    9:00 am Business & Career Opportunity Presentation-Zamboanga City @ Zamboanga District Office, G/F Josefina Yu Building City
    Business & Career Opportunity Pr… @ Zamboanga District Office, G/F Josefina Yu Building City
    May 28 @ 9:00 am – 11:00 am
    Be an Insular Life Agency Leader or Financial Advisor! A Business & Career Opportunity Presentation is held every Tuesday, 9am at the Zamboanga District Office,  G/F [...]
    May
    29
    Wed
    9:00 am Career Opportunity Presentation-Pasig City @ Metro East Regional Office, 4th Floor, Karina Condominium
    Career Opportunity Presentation-… @ Metro East Regional Office, 4th Floor, Karina Condominium
    May 29 @ 9:00 am – 11:00 am
    Be an Insular Life Financial Advisor! A Career Opportunity Presentation is held every Wednesday at the Insular Life Metro East Regional Office,  4th Floor Karina [...]
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