Author Archives: Edmund Lao


What is Time?

Tuesday, 19 April 2016 | Written by
clock is one of the most taken for granted intangible item we have. Not all know that time is very important and that wasting time often results to massive loss. What really is time? According to Wikipedia, time is the indefinite continued progression existence and events that occur in apparently irreversible succession from the past through the present to the future. There were so many movies in the past that showed travel through time. By changing the past, they were able to change the future. Continue reading

wedding finance

Personal finance for married couples

Monday, 28 March 2016 | Written by
wedding finance two people unite, the two become one. Not only will there be a physical union, there will also be a marriage of their personal finance. Both of them co-own each other’s assets. I remember a friend (who is not saving at all) who once told me that he will start saving only when he is married because his income will increase due to the income of his future wife. Continue reading


After Graduation, Now What?

Thursday, 24 March 2016 | Written by
graduation is the traditional month of graduation for students. Graduation, especially for college, marks the end of the academic journey of a student beginning with age five. Realistically, graduation is just the beginning. What we learned from school for the past twenty years will be put to practice in the real corporate world. All the things we have done in school are only a preparation and practice for us to enter the next level, employment or entrepreneurship.  Continue reading

lunar new year

Chinese New Year Do’s and Don’ts

Wednesday, 10 February 2016 | Written by
lunar new year lunar year of the monkey has already begun and as usual, Chinatown was the center of celebration. Tikoy is very much in abundance in the stalls and even in the malls. Almost all Chinoys wear red during this day and you will see them at the temples to offer fruits while praying for luck, prosperity and good fortune and warding off evil spirits for the whole year. Feng Shui experts are all in demand this season for their predictions for the different animal signs of the Chinese horoscope. Continue reading


Where to Invest in 2016

Friday, 22 January 2016 | Written by
investment market has dropped drastically, thanks to the crisis in China.  Because China is the second biggest economy, when China sneezes (like the USA), the world catches a cold.  A lot of foreign fund managers sold their positions in the stock market which reached a high of 8000 in the index last April to a low of 6200 (which may even go lower to the 5800 level). The market has lost more than 20% already and there are signs that we are now entering the bear market. Continue reading


Twelve Days of Christmas (Lessons in Personal Finance)

Saturday, 19 December 2015 | Written by
christmas of the most famous Christmas songs is The 12 Days of Christmas. It is of English origin which enumerates a series of increasingly grand gifts given on each day of the twelve. It is fun to know that each day has a Biblical meaning attached to it. For this article, we will be attaching personal finance lessons that we can learn. Continue reading

christmas 1

Money Tips for Christmas

Saturday, 12 December 2015 | Written by
christmas 1 a few more days, Christmas will be here. People from all walks of life are busy preparing for this happiest season of the year. People will be attending several parties given by companies and friends. This is the most expensive season as all will be on the spending mode buying gifts and food in preparation for the day.  A lot of people will be rushing to malls and Divisoria looking for items they want. As I live just near Divisoria, I experience the daily giant traffic along Rizal Avenue and even assigned traffic officers cannot do anything to solve it. Continue reading

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Tuesday, 24 November 2015 | Written by
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image from lot of people have misconception about retirement. They think that retirement has a lot to do with doing nothing. In fact, retirement is more of doing with independence more of the things you love to do. Wikipedia defines retirement as the point where a person stops employment completely. It means that a person stops working for someone else because he does not have the need to do so. At that point, the person may have saved and his investment may cover his needs during retirement or that he may have a business that can provide income during this time. Retirement is not a function of age. It is more of how much he has accumulated at that moment. It is also the time when his investment is already earning passive income which is higher than his active income. It means that his money has already become his employee already.

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What is Time Value of Money?

Wednesday, 11 November 2015 | Written by
money Value of Money (TVM) is a very important concept especially in the field of financial management. It is a powerful tool that can be used to compare investment instruments to see which can give a better return. It is also used to solve problems involving loans, mortgages, and even annuities. Continue reading

pay forward

Pay it Forward

Thursday, 29 October 2015 | Written by
pay forward

pay forwardTime moves forward. All of us grow old. Technology moves forward. Even history moves forward. As all things move forward with time, the reverse is impossible as there is no one who has ever gone back in time and try to change the future. Continue reading

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