SERGE B. BARGAYO

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Question: I have been contemplating for months now on investing directly in the stock market. What I have right now is a Variable Unit Link (VUL), which I believe is more focused on insurance. I am now 29 years of age, with two children. I wanted to invest because I…

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If we are to summarize personal finance, it will all boil down to four stages: cash management, debt management if any, risk management, and lastly, wealth management. The need for insurance falls under risk management. There are three basic personal risks in life that everybody has to deal with at…

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Here’s a question from a certain Lady L.E. through a private message on Facebook: People who call themselves financial advisors, consultants, and so on, from insurance companies, mutual funds and even my bank, have been offering me various financial products. Three different advisors have visited me at home, and two…

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Let me borrow a line from Benjamin Franklin: “An investment in knowledge pays the best interest.” I agree 100 percent. Education is the best legacy we can give to ourselves and to our children. It is an intangible asset that our children can accumulate and cannot be taken away from…

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In this millennial generation, entrepreneurship has been the top choice for this generation, I have noticed, even among those who graduated from non-business college courses. This generation is looking not for bosses but coaches and advisers to guide them. Also, they are more conscious about creating a meaningful impact on…

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Question: My finances are a mess. I have a debt right now of almost P350,000. I can’t pay for it all at once because my salary is just a little above the minimum wage. Every time I pay my monthly charges, it’s like nothing happens to the principal. I can…

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Question: I have been hearing a lot lately about investments. I am a typical employee who works 8 a.m. to 5 p.m., Monday to Saturday, which means I can’t really monitor my portfolio’s performance during trading hours. Right now I am on the verge of catching up with time to…

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Question: An Insurance representative had approached me and discussed the features and benefits of their products. I am in the stage right now of planning to get married. I felt the need of having my personal insurance coverage. Please help me understand better the difference on term insurance, whole life,…

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