By Randell Tiongson Question: Is it really necessary to have an emergency fund? Francis via Facebook Answer: Yes because emergencies happen! It is foolish to think that we will never undergo an emergency in life, and most of the time, emergencies cost a lot of money....

By Randell Tiongson ow would you take the thought that you are stealing money from your future paychecks? Do you think that’s okay because you’ll have a bigger paycheck by then or the thought of it bothers you a lot? That is what bad debt will do...

By Randell Tiongson I am blessed to have the privilege to speak and observe many financially-savvy people and one thing they have in common is that they are not fond of making excuses. Here are five excuses you will never hear from them: Excuse #1 – “I don’t know...

By Randell Tiongson ne of my favorite definitions of investments is this—“The commitment of funds made in expectation of some positive rate of return. If the investment is properly undertaken, the return will be commensurate with the risk the...

By Randell Tiongson I saw an infogram stating that only 8 percent of Filipinos have some form of an investment like stocks, mutual funds or insurance. Although there have been some gains, we are still way behind many other nations with regard to investing by its...

By Randell Tiongson Despite the huge importance of mastering personal finance and invetments, many of us shy away from it. Personal finance is not rocket science and you can be surprised at how simple the answers are to these common questions. Jacob asked when was the...