Saturday, April 11, 2015

Should You Invest in Real Estate?

Hello, my dear fellow personal finance enthusiasts! Here's an article from our friends at Lamudi to enlighten us on the recent real estate market. Read on! :) 

According to the study released just last November 26, 2014, 59% of real estate agents believe that 2014 is the best time to make investments in the real estate sector. 7% think that it will be from 2016 to 2024, while 36% believe that the time has already passed as it was last 2009.

Largely driven by the increasing demand for office spaces due to the continuous growth of the business process outsourcing (BPO) sector in the country, about 700,000 square meters of new office space is expected. Demand will be greatest in the National Capital Region and Calabarzon, and Quezon City and Makati remain as top locations for property hunters.

The report, Real Estate in the Emerging Markets, is based on a series of online surveys conducted with house-hunters and real estate agents in each country, as well as onsite data from Lamudi’s global network of websites. The research examines the habits of online property-seekers, while offering insights into the future of the property sector based on interviews and surveys with local property experts.

Other key findings in the report include:

·      - The country’s economic outlook is seen as the top constraint on the property market, reflecting current concerns about a potential slowdown. However, agents and brokers remain overwhelmingly optimistic about the future of the market. More than 90 percent describe their outlook for the next 12 months as positive.

·     - Affordability is top of mind for Filipinos who choose not to buy property, with more than 60 percent of renters in a recent survey of online house-hunters citing cost constraints as the primary reason they leased their home.

     -  The main driver for owning property is security. Nearly three-quarters of buyers cited security as their primary motivation for purchasing a home.

·    - Metro Manila outranks Sydney, Guangzhou, and Singapore in terms of real estate investment outlook according to the Emerging Trends in Real Estate Asia Pacific 2014 Report.

Lamudi’s Global Co-Founder and Managing Director, Kian Moini, said: “The primary conclusion that we have drawn from our research is that the future for the Philippine property sector is extremely bright. In fact, two-thirds of the real estate agents we surveyed are expecting growth of eight percent or higher in the property market this year. The country’s real estate market has emerged as one of the most promising in the Asia Pacific region.”

The full report is presented in an easy-to-read online format, available for viewing here.


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Monday, March 30, 2015

10 Key Take-Aways from the Financial Fitness Forum 2015

Last March 28, 2015, I was privileged enough to be invited as one of the guest speakers for the Financial Fitness Forum 2015 held at SMX, SM Aura, Taguig City. It was a humbling experience and I learned a lot. 

financial fitness forum 2015

I learned how to avoid money vampires and how to manage my risks in investing.

I learned how to create my own mutual fund portfolio and that my inherent value can only be defined by myself.

Above all, I learned to always bring a blazer when I speak at conferences because I easily get cold. 

Seriously speaking, though, it was truly an enlightening experience and up until now, I still couldn't get over the fact that I was sharing the stage with most of my personal finance mentors. 

#FFF2015 Together wih Sir Aya. Finance people are so good-looking talaga. Don't you think? :D
Posted by Lianne Martha Maiquez Laroya on Friday, 27 March 2015
Here are the major points that you could have learned from the Financial Fitness Forum 2015: 

Tuesday, March 24, 2015

POEA Online Application: How to Get Your OEC (Balik Manggagawa Online)

Are you an OFW who needs your Overseas Employment Certificate (OEC)? 

You can get it online with the new Balik Manggagawa Online processing System. That's right: it's a bit similar to the in-demand POEA online that a lot of OFWs wanted to have in the past. 

I, for one, am happy about this improvement. My parents are OFWs, and usually when they have their vacation here in the Philippines, one whole day is dedicated to getting their OEC. So, if they can get their OEC conveniently, they have more time to spend with us and bond, right? 

balik manggagawa online processing

Are you eligible to get your OEC online?

You should be an OFW who is on vacation, rehired, or returning to the same employer, and with existing record in the POEA database.

If you're not eligible, you still need to go to a POEA branch to process your OEC for you.

1. Go to the Balik Manggagawa official website. 

The website is at

2. Sign up for a new account. 

Since you're a new member, you need to sign up for a new account.