tag:blogger.com,1999:blog-333603722024-10-16T11:35:06.479-07:00Personal Finance and Economic Thoughts for FilipinosAnonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.comBlogger203125tag:blogger.com,1999:blog-33360372.post-7565884559651103552013-05-22T19:54:00.001-07:002013-05-22T19:54:17.995-07:00

To the People of Taiwan The present people of Taiwan are angry because of an incident that was not done by the entire 100 million Filipinos. Our OFWs do not deserve to be physically harmed by the mistake of another person. That is the essence of humanity and friendship. The Taiwanese need to be reminded that the Philippines and the Filipinos were on their side when the KMT-led ROC regime

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-66753480119200545772013-01-02T17:23:00.000-08:002013-01-02T17:24:00.761-08:00

Last Friday, I was asked by one student if he is ready to work a day after graduation. I felt awkward because I handled him in one subject only and his skills and competencies I am totally unaware of the level. Instead of answering directly, I asked him four questions:   1. Do you have the ability to read, understand and use written materials and basic numerical information?   2.

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-16565815612544394102012-11-29T21:29:00.000-08:002012-11-29T21:31:07.698-08:00

Dear Mayor Alcala: First of all congratulations. The city is now finally will put behind the question of who is really the right Mayor. As a long-term Vice Mayor you know that Lucena City is facing huge challenges in order to make our hometown competitive and the people to find decent jobs. In your first week as a Mayor may I present to you the big developmental challenges our hometown is

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-29071300488030097702012-11-14T15:11:00.000-08:002012-11-14T16:16:39.094-08:00

There are lot of books that suggest that we can be happy in our chosen line of work. Some of them trumpeted that our skills and values should be aligned to our jobs in order to be happy. I have no argument on the theory but after working for two decades I came to a  conclusion that we can all be happy while doing our job. The ideas are simple and daily we are experiencing them. We can love

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-16024984178575901612012-09-28T18:47:00.001-07:002012-09-30T15:59:37.801-07:00

Manuel “Manny” V. Pangilinan has severed his ties with the Ateneo de Manila University after the Jesuit-run private school issued a paper opposing mining in the country.                                      &

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-88974829998328247732012-09-25T19:51:00.002-07:002012-09-25T19:51:56.784-07:00

    It's been several months since my last blog. I am too busy writing researches and only last night I squeezed some time to write about this article.     Many researches confirmed that in general we as a people possessed low savings and an openness to incur consumer debts. Only a small percentage of Filipinos are aware that we need to save more and cut down on

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-48919421885856148032012-08-21T22:13:00.001-07:002012-08-21T22:23:41.145-07:00

 The Ateneo President's message on the Ateneo professors and the RH bill date posted: 2012-08-21 12:30:09 20 August 2012 Memo to:       The University Community Subject:          HB 4244 Together with our leaders in the Catholic Church, the Ateneo de Manila University does not support the passage

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-24657996899892182812012-08-08T00:07:00.001-07:002012-08-09T02:00:11.924-07:00

This is my position paper in the proposed RH bill which is now near approval. I am stating here my objections many of which concerns economics:  1. Population and economic growth has insignificant association. As early as 1966, the 1971 Nobel Prize winner Simon Kuznets studied 63 developed and developing countries from the early 1950s to 1964 and concluded that there was little

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-28401997564710521692012-07-30T21:17:00.000-07:002012-07-31T00:46:15.829-07:00

 In our continuation of dissecting the National Statistical Coordination Board report, the "Filipino Investor by Arnel L. Cadeliña " focuses on the income data and % share of each Calabarzon Cities and then applied the necessary statistics. Here are the findings: 1. The CALABARZON city with the highest income is Calamba City. 2. The CALABARZON city with the lowest income is Tayabas City

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-34102186129122016842012-07-22T23:49:00.000-07:002012-07-23T00:45:47.303-07:00

The recent statistics on the Philippine economy was released last May 2012 by the National Statistical coordination Board and  “The Filpino Investor by Arnel L. Cadeliña” culled the data that focuses on Lucena City and applied the necessary statistics    By focusing on Lucena City and compare it with other cities in the CALABARZON, here are the findings that are useful

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-73108021528732701552012-07-22T22:36:00.001-07:002012-07-22T22:36:38.892-07:00

 World Education Congress confers Business Leadership Award on Ateneo Graduate School of Business (AGSB) date posted: 2012-07-17 09:27:13 For the second time in a row, AGSB received another accolade for business leadership given in Mumbai, India last June 29. This award was given by the World Education Congress Global Awards for Excellence in Education, Leadership, and Teaching. &

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-43677258445941719642012-06-01T22:22:00.002-07:002012-06-14T16:48:49.436-07:00

Laurence Neville said that the origins of a country's growth are political and social forces- and possibly luck in having the right leaders.   The Philippines is being lucky to have   Amando M. Tetangco, Jr. at the helm as Governor of the Bangko Sentral ng Pilipinas since July 2005. He was cited in 2011 as having the highest grade of A in the Global Finance Annual Central

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com1tag:blogger.com,1999:blog-33360372.post-82284918447188235082012-04-22T16:51:00.000-07:002012-04-25T19:19:28.085-07:00

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-81456303154044027402012-03-29T21:24:00.000-07:002012-03-29T21:24:10.749-07:00

     Index Funds are generally an investment that are low-cost, low risk funds that track the performance of the Philippine Stock Exchange. They generally are not actively managed and have low turnover so they don't generate a lot of taxable income.      In lay man's term the Index Fund is a mutual fund that is run virtually on autopilot. Generally

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com1tag:blogger.com,1999:blog-33360372.post-33972431183327196752012-03-12T00:08:00.001-07:002012-04-06T16:45:30.763-07:00

In the tradition of the great David Letterman, Here is my top ten list why our SSS will increase their contribution rate. Enjoy!   10. They want to extend the life of SSS to 35 years or up to year        2046. As of today, the current fund will last only up to year        2039. 9. They want to increase the benefits of the SSS members but first &

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com1tag:blogger.com,1999:blog-33360372.post-48059388617946683552012-03-05T20:57:00.000-08:002012-03-06T14:41:26.335-08:00

I love poetry especially related to education and economic thoughts. Here's one that you will love reading to your children, students.... well I guess for everybody.  Thank you to Mr. Charles Osgood.    Pretty Good ( Translation:  Pwede na 'yan) by  Charles Osgood  (1933-) from the Osgood File, 1986 There once was a pretty good student   Who sat in a

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-69664824856602506532012-03-01T15:43:00.001-08:002012-03-05T15:47:56.903-08:00

My Dear Graduating students: In an era of joblessness you will be faced with a lot of challenges. My advice would be to build on your career; accept a job even if it is not your dream job and USE that experience. The Philippine working environment are full of loop holes and you need to be OPEN to different career paths. When you finally get your first job take on difficult projects that

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-49309971969434639322012-02-20T19:25:00.000-08:002012-02-20T19:25:52.387-08:00

 In a difficult time like this, a leader should understand what are the primary problems of the nation and act on it with utmost determination to fix them. Last night, the US President announced in his State of the Union addressed universities and colleges that the higher education on notice he said. "Higher education can't be a luxury— it's an economic imperative that every family in

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-26977508893514567762012-02-10T16:28:00.000-08:002012-02-15T21:02:20.312-08:00

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

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-74841305159466723512012-02-08T23:21:00.000-08:002012-02-08T23:27:26.481-08:00

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.

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-76986481435372845762012-01-31T18:30:00.000-08:002012-01-31T18:30:45.816-08:00

  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

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com2tag:blogger.com,1999:blog-33360372.post-59169060071197776622012-01-08T22:16:00.000-08:002012-01-08T22:34:59.179-08:00

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

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-25018042400388215762012-01-02T18:34:00.000-08:002012-01-02T19:33:19.225-08:00

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

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-5468719718940035232011-12-19T17:15:00.000-08:002011-12-21T16:26:16.976-08:00

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

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0tag:blogger.com,1999:blog-33360372.post-62134193161268938182011-11-28T16:43:00.000-08:002011-11-29T00:17:45.294-08:00

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

Anonymoushttp://www.blogger.com/profile/11907458051587934511noreply@blogger.com0