Pera and Purpose Podcast

In our 2nd installment of Dirhams & Sense Series, Aya & I will talk about some of the topics in personal finance that are probably outdated or irrelevant nowadays.--Gain fresh insight on how to improve your finances!This series of two webinars & three weeks of classes is guaranteed to help every Overseas Filipino save & invest CONSISTENTLY, manage debt, avoid scams, and build long-term wealth!What’s cool is that this will be facilitated by Aya Laraya himself! In case you ...

Sino ba ang ayaw umasenso?Pero the bigger question is: paano nga ba tayo aasenso?Wanting is different from doing. Kaya sa unang episode ng Dirhams and Sense Series pag uusapan natin kung ano ba ang tamang steps para maging isang Asensadong Pinoy!--Gain fresh insight on how to improve your finances!This series of two webinars & three weeks of classes is guaranteed to help every Overseas Filipino save & invest CONSISTENTLY, manage debt, avoid scams, and build long-term wealth!What’s coo...

Will you trust a robot or an AI to handle your finances?Why not?For the past couple of months, I have been investing in a robo advisor because of its simplicity, ease of use and most importantly - low management fees!With their growing popularity, a question begs to be answered: are robo advisors better than the traditional human financial advisors that we are so used to?To help me find the answer, I have invited Michele Ferrario, the CEO & Co-Founder of StashAway.In January of this year,...

Bitcoin is a hot topic right now!Sa sobrang init, ang daming nasusunog at nai-scam!Pero open-minded naman tayo kaya I invited someone who first bought Bitcoin at $100 and profited 4x from it!Bro Fitz Villafuerte (host of the 80% Podcast, owner of Ready To Be Rich blog site, and an entrepreneur) is back in Finance Fridays!He will share his journey in bitcoin trading, blockchain tech, other cryptocurrencies and how to avoid crypto scams! Should you really consider putting your money in bit...

Let me tell you something. Financial Literacy is not enough to improve our finances.Yes, you heard (or read) it right!Alam mo ba na there is no empirical evidence that financial education improves our financial behavior. In fact, studies show that the effect is a miniscule 0.1%!Kaya in this episode, we’ll be joined by Ms. Rose Fres Fausto AKA FQ Mom.She was an investment banker turned full-time homemaker and now a writer and speaker on money and family using Behavioral Economics principl...

Living a meaningful life has nothing to do with how much money you make, and with the stuff you acquire.Minimalism has somewhat gained popularity over the last couple of years, with the help of Joshua Fields Millburn & Ryan Nicodemus AKA The Minimalists.This movement has gained popularity over the years because it has transformed the lives of so many people in so many ways!In my next episode, I’ll be joined by Ms. Shyrell Tamayo, the Creative Director and Founder of a boutique photography...

Filipinos love free stuff, even in getting financial advice.But is free advice really for free? If not, then how much does free advice cost?Also, why would you pay for a piece of financial advice if you can watch YouTube videos and a lot of Financial Advisors offer it for free?Here’s the thing….Consumers need to understand that Financial Advisers who offer free advice are intermediaries and are not doing charity. They are are compensated by financial companies via commissions. If they ar...

Financial Ignorance is expensive.Please allow me to expound.Did you know that if you invest $1,000 monthly for 30 years and make an 8% average annual return from your sensible stock portfolio, minus 1% per year for all investing costs, you’ll end up with $1,227,000? But paying just 1% extra in costs will lose you $218,000 of that! Unfortunately, most plans available will charge you a lot more.So if you want to make the most of your investment, you must keep those fees as low as possible....

It’s not your salary that’s going to make you rich, it’s your saving and investing habits.In my next episode, I’ll be joined by Aries Baloran. He is based in Italy where he started as a driver & helper, and now working as a gardener. But don’t be fooled because he is also a stock market trader & investor, an entrepreneur, a freelance graphic artist and web developer and a Financial Literacy Advocate!He shared an awesome tip on how you can encourage your partner to start investing...

Jumping from one job to another come in varying distances.Some feel lofty and risky.Some are difficult yet manageable.When considering whether or not to make a jump, there tend to be more convincing reasons to stop taking the risk. After all, the justified mind wouldn't trade the security and stability of the present moment for an unpredictable and rocky future.In this episode, my next guest will help us uncover the the rationality of taking the leap, discuss the proper mindset needed to make...