The Filipino Investor by Arnel L. Cadeliña

Escalating college costs killing the dream

2012-02-10T16:28:00.000-08:00

My friend Ruben enrolled his son at an elite college in Quezon City. His dream seeing his son graduating in that university is their family’s ultimate goal. Since he is working in Saudi Arabia he has no problem in terms of paying the tuition fee. Until now. His company was coded red meaning that Saudi citizen will be prioritized in terms of employment. His income, which is not increasing for

The Retreat : leave the temporal in order to find the eternal,

2012-02-08T23:21:00.000-08:00

Last month, I accompanied my business students in their retreat at Tagaytay City. The spiritual "recharging" we all need because there are lot of noises in our environment nowadays. The technology and the gadget can always "connect" us to everyone we know or even to strangers. The media and the social networks really made our life easier but our spiritual need is getting colder because of these.

Lucena City Population as a Target Market

2012-01-31T18:30:00.000-08:00

Small and Medium Enterprises in Lucena City are finding it difficult to write their marketing plan due to the absence of statistics about the target market. In order to help them in writing their feasibility study and business plan the "Filipino Investor by Arnel L. Cadeliña" blog is sharing the research about Lucena City population. The target market is a vital component of the marketing plan,

BEAT INFLATION

2012-01-08T22:16:00.000-08:00

Today January 9, 2012 is my birthday. My gift to my dear blog readers is this article. Enjoy! Inflation is the reason why the price of your shoes and the price of your bread increased as the time goes by. Almost everything that we consume or buy are subjected to inflation. All of us and even the government cannot avoid nor eliminate it. The best thing that the government do is to mitigate and

Got Job Interview? Here are top 50 most common questions

2012-01-02T18:34:00.000-08:00

I remember my first job interview as the most nerve-wracking experience. My hands were trembling, my knees shaked and I totally goofed.For you out there who are scheduled to be scrutinized by the persons you don't know personally but who can decide if you are employable material here are the interview questions they will throw based on researched by Glassdoor : Most Common Interview Questions

Jobs: The Best Gift for the Filipinos

2011-12-19T17:15:00.000-08:00

Jobs: The Best Gift for the Filipinos By: Arnel L. Cadeliña Labor is the most important asset of the poor hence economists assert that the determinants if a country is rich or poor is by checking mainly the unemployment and the underemployment rate . Ramon (not his real name) has a degree in sociology he earned two years ago. He submitted his resume to more than 60 companies and after several

Investing in Skills

2011-11-28T16:43:00.000-08:00

In my rush of daily office and teaching life it is easy to be overwhelm in grades, meetings and day-to-day business. One night when I step back one question popped in my head: " Am I preparing my students for the world they will face upon graduation?". The beauty of having experience in the corporate and academe is that you possess the ability to understand both world. Connecting these world

Occupy Classroom

2011-10-20T23:35:00.000-07:00

There is a current wave in the US and Europe wherein people chanted to occupy wall street to express their anger on the excesses of capitalism. Their actions were the result of seething anger due to excessive greed and profit of capitalism. In the Philippines, the movement should be occupy classroom. There is now a huge gap between the poor and the rich in the access of quality education. The

Tribute to F. Sionil Jose

2011-10-10T22:57:00.000-07:00

I am an avid reader of F. Sionil Jose's articles. The man is 86 years old but his writings are for the young Filipinos to ponder. He is a national artist for literature and his ideas are refreshing to the Filipino soul. This is my tribute to him while he is still alive. Thank you Mr. Jose you are the conscience that keep me grounded to the the truth. To the my blog readers, the article below is

Steve Jobs (February 24, 1955 – October 5, 2011)

2011-10-06T02:37:00.000-07:00

A genius. Geek hero . Rest in Peace.

QUEZON PROVINCE: A HUMAN DEVELOPMENT DATA

2011-10-03T20:49:00.000-07:00

QUEZON PROVINCE: A HUMAN DEVELOPMENT DATA Recently I was given a copy of the Philippine Human Development Report 2008/2009. The book was published by the Human Development Network and the UN Development Programme. The analysis and perspectives brings an in depth analysis of Human Development of Philippine provinces. I made an extract of the report focusing on Quezon Province to benefit the

SOUTHEAST ASIA TRADING PLATFORM

2011-09-20T01:47:00.000-07:00

The Securities and Exchange Commission has approved last week the participation of PSE in the Southeast Asian Trading Platform. This platform will facilitate trading of Philippine stocks to Malaysia, Singapore and Thailand. Initially 30 biggest and most liquid stocks would be brought for cross-border trading. The countries are the Philippines, Malaysia, Singapore and Thailand The stock

Laws that will affect our investing strategies

2011-08-30T18:20:00.000-07:00

The following are the capital market legislation we are waiting to be implemented: 1. Personal Equity Retirement Account (PERA) Act- encourage the accumulation of savings and investments to augment inadequate pension and retirement benefits. Status: Approved but tax regulations that would govern the grant of tax incentives for the investors still under review. 2. Real estate Investment Trust (

The Philippine Stock Exchange Online Trading System

2011-08-25T19:46:00.000-07:00

CitisecOnline.com is doing the online trading for several years but the announcement of the PSE that they will provide online trading services for trading participants that can in turn be offered to investors will revolutionalize how we buy and sell stocks. Investors in the provinces and the OFWs are waiting for the online trading system for a very long time. I am forecasting a PSE that is more

Economics and Investing: A direct relationship

2011-08-22T16:09:00.000-07:00

In my fifth year of teaching Finance I was approached by an honor student complaining that he did not deserved the 78% grade on his case analysis paper. He mentioned that all his grades for the past case analyses are way above 90%. I admired his bravery but I pitied his fear of receiving low grades. Looking on our society today, being rejected and being a failure is an anathema. Parents, peers

Investing in Real Estate

2011-08-17T16:45:00.000-07:00

Those who took accounting subjects it was taught to us that a house is an asset.Our professors are correct but in personal finance we treat house as a liability. Why? We spend money for the maintenance, utilities, furniture and fixtures. It is a total cash outflow. If you would like to make it an asset, you have to think of ways to make your house earn money. Can you launch a business in your

The importance of emergency fund

2011-08-08T16:13:00.000-07:00

My son was hospitalized for eight days because of dengue. In his first two days of sickness we thought that it was just an ordinary case of fever because his platelets were above 200 thus normal.When the fever did not subside on the third day we decided to bring him to the hospital just to make sure. Our suspicion was confirmed when his platelets plummets to less than 200 and reaching as low as

Investing in iPad?

2011-07-30T01:02:00.000-07:00

A university in the visayas required the students to buy the P27,000 iPad. They even spread the news that their enrolment goes up because of the result of this new way of "learning". As a parent is it worth to invest our P27,000 in a tablet? I am teaching business subjects for the past 9 years and I came into conclusion that the iPad and the likes of it are not the right tool to develop

Expect peso to appreciate to P41

2011-07-26T17:51:00.000-07:00

The peso could appreciate to the P41-per-dollar territory by year-end as investors in search of yields continue to flock to Asian markets including the Philippines(Alegado, 2011). This a good news and a bad news as well. Let us revisit our micro and macroeconomics. A strong currency is good because: 1. Investment grade status of the Philippines will improved. 2. The debt ratios of the country

The Filipino Investor pays tribute to Rizal@150

2011-07-18T17:23:00.000-07:00

When you study at the Ateneo, whether undergraduate or post graduate, the images of Rizal are ubiquitous.As if the Jesuits want you to know that Rizal is Ateneo and Ateneo is Rizal.To ever-remind you that their most distinguished alumnus was our national hero, they named their library as Rizal because they know as an Atenenan the library will shaped a huge part of your education. Then they

Why BIR is wrong?

2011-07-07T16:15:00.000-07:00

Yesterday,July 6, 2011, The Philippines Bureau of Internal Revenue issued a memorandum circular no. 27-2011 saying that only mandatory contributions of SSS, GSIS and Pag-IBIG Fubd are exempted from income and witholding tax. Any contributions above the compulsory amount cannot be excluded from the gross income of taxpayers and are therefore subject to tax. Filipino investors who are members of

Dont Cry for Me Lucena City

2011-06-28T15:56:00.000-07:00

As of today, my hometown Lucena City has two mayors. One suspended by the DILG but retained by the Supreme Court and the other installed by the DILG and recognized by COMELEC. Both of them holding office in two different places. If you are busy making money and all of these political circus keep on pestering your brain you might be correct that Lucena City is going nowhere. Our forefathers

Buying Individual Stocks

2011-06-12T21:30:00.000-07:00

Those who have experienced buying individual stocks directly instead of mutual funds will give you one common advice: be very careful. Why? because buying individual stocks will not need the diversification test required to minimize the risk. If you have already investing in mutual funds you have experienced receiving annual report from you fund managers informing you how they picked the stocks

The Consumer Country (a re-blog)

2011-06-02T21:21:00.000-07:00

Mario (not his real name) was an MBA classmate of mine when we were working then in Ayala. We have a lot of qualities in common that’s why we were at eased with each other for at most 10 years. One thing that differ him from me is that he is a spendthrift. Every payday I save money to invest in my house and college education of my children. Mario is different, he spend as if there is no

Bank Passbook and ATM

2011-02-02T01:12:00.000-08:00

When I was in grade school one of my memorable moment was getting my very first bank passbook (no ATM then!). I recall the bank was Solid Bank and the memory of seeing my name on the passbook and checking the amount reflected on it I still vividly remember.When I saw the first interest earned by my savings, I began to asked myself how did they computed the amount. I realized then and there that