Joanna Marie, Negosentro |  One of the biggest stumbling blocks to any new business is funding. It doesn’t matter if your idea is a great one, one which can change the marketplace; there can still be enormous hurdles to those looking to get on the first steps to business ownership. It doesn’t mean that there are […]

By Joel Barretto, CFPⓇ | via Negosentro.com | Conventional wisdom dictates that paying for rent is a waste of money. There’s nothing like living in a home you can call your own. To many Filipinos, it’s a sign that you have finally arrived. But before investing all your life savings in a house, there are a few […]

By Joel Barretto, CFPⓇ | via Negosentro.com | So you finally realized that you have overextended yourself and your debts are out of control.  If you don’t do something soon, chances are you will be in debt for the rest of your life.  So what now? It’s time for debt rehabilitation! Just like alcoholism, gambling or drug […]

By Joel Barretto, CFPⓇ | via Negosentro.com | In my last article, we briefly went over some examples of “FIXED ASSETS.” We also learned, that although your principal (original investment) is generally safe with FIXED ASSETS, its returns usually makes it difficult to combat taxes and inflation over time.  Therefore, it would be prudent to diversify your […]

By Joel Barretto, CFPⓇ | via Negosentro.com | In my previous article, I talked about having a delicate balance between “FIXED and EQUITY assets,” in accordance to your individual financial profile, as you create a sound investment portfolio. As a review, FIXED assets are monies invested that rely on interest for growth.  Meanwhile, EQUITY assets rely on […]

By Joel Barretto, CFPⓇ | via Negosentro.com | In my 25 years as a financial planner, when people find out what I do for a living, the most common question I get is… “where should I invest my money?”  As if I can answer that question without knowing anything about you first. It’s like coming up to […]

By Joel Barretto, CFPⓇ | via Negosentro.com | In my last article, we talked about what happens to your assets when you die without a plan.  In financial jargon, we call it dying intestate.  This is one of the worst things you can do to your family after you have passed on.  It’s bad enough […]

By Joel Barretto, CFPⓇ | via Negosentro.com | This is based on the true story of a couple we will call Mr. & Mrs. Nagulangan who had an only child we will name Sarah.  Sarah married John Mangugulang and together they had two children. Mr. & Mrs. Nagulangan had a huge mansion in Forbes Park, […]

By Joel Barretto, CFPⓇ | via Negosentro.com | One of the fundamental foundations in planning toward your financial future, is an increased awareness in knowing where you came from, where you are now, and where you are headed. Thanks to modern technology, the invention of the GPS has helped us get to our destination with […]

By Joel Barretto, CFPⓇ | via Negosentro.com | How dare you!  Is the initial reaction of most parents.  But there are always two sides to the story. I was having a discussion with my 73 year old friend who told me the story of a successful man, who turned over his business empire to his […]