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For this valedictory article, allow me to give you some last thoughts on personal finance, particularly on debt management. Time and again, people would come to us distraught, panicky and on the brink of giving up on…
Question: Stock prices are falling. What should be my target buy price? Asked at “Ask a Friend, Ask Efren” free service through www.personalfinance.ph, Facebook, and SMS. Answer: As of the time of this writing, stock prices in…
Question: Credit card debt collectors have lately been very rude and downright disrespectful in collecting on my past dues. I have explained to them that I have no intention of running away from my obligations and that…
Question: In the book “The Warren Buffett Way” by Robert G. Hagstrom, Jr., it was mentioned that Warren Buffett favored owner earnings vs. simple accounting earnings in looking for companies that Buffett would invest in. The book…
Question: Can you explain the difference between cumulative and annualized returns? Also, where do since inception returns fall under? Asked at “Ask a Friend, Ask Efren” free service through www.personalfinance.ph, Facebook, and SMS. Answer: I admit, the…
Question: Is there no other choice for earning money than the stock market? I don’t like the way stock prices move. Sometimes, the trends are so erratic. Other times, they seem to be dead in the water.…
Question: Do children have the duty and obligation to take care of their parents in their old age? I ask this because of the fourth commandment in the Bible, “Honor your father and your mother.” Asked at…
Question: How can an investor possibly make money in a stock market with unending ups and downs? It is keeping me up at night and jittery during the day. (Asked at “Ask a Friend, Ask Efren” free…
Question: Stock analysts say that the Price to Earnings per share or P/E ratio is the best measure that will tell me if a stock is ripe to buy or sell. I interpret P/E ratio as the…
Question: I have heard about the need to diversify investments in the capital markets. Does this include investing in other markets around the world? Asked at “Ask a Friend, Ask Efren” free service through www.personalfinance.ph, Facebook, and…
Question: People have demeaned Christmas as just a holiday when you are obligated to give gifts to others, even if the gift does not have much meaning or use, just to keep with tradition and the spirit…
Question: What are the qualities of a true financial adviser? – asked at “Ask a friend, ask Efren” free service available at www.personalfinance.ph and Facebook. Answer: Of late, there has been a significant growth in the number…
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