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Market Orders vs. Limit Orders: Which One Should You Use?
When you're ready to buy a stock, there's actually more than one way to place that trade. Understanding the difference between a market order and a limit order could save you money.
Ethan Ho
3 min read
How to Read an Earnings Report (Without Getting Confused)
Every few months, companies release earnings reports that can send stocks flying — or crashing. Here's how to understand what they're actually saying.
Ethan Ho
3 min read


Bull vs. Bear Markets: Understanding Market Cycles
You've probably seen the words "bull market" and "bear market" thrown around in financial news. But what do they actually mean, and more importantly — how do they affect you as a young investor? Understanding market cycles is one of the most important concepts in investing, and it's a lot simpler than it sounds. What Is a Bull Market? A bull market is a period when stock prices are rising — generally defined as a 20% or more increase from a recent low. The economy is strong,
Ethan Ho
3 min read


How Interest Rates Affect Your Investments
You've probably heard the news about the Bangko Sentral ng Pilipinas (BSP) or the US Federal Reserve raising or lowering interest rates. Maybe it sounded boring and irrelevant to you. But here's the truth: interest rate decisions are one of the biggest forces that move the stock market, bond market, and even your savings account. Understanding them gives you a serious edge as a young investor. What Are Interest Rates? An interest rate is basically the cost of borrowing money.
Ethan Ho
3 min read


What Is a P/E Ratio and Why Should Teens Care?
Imagine two pizza shops. Shop A costs ₱100 to buy, and it earns ₱10 in profit per year. Shop B also costs ₱100 to buy, but it only earns ₱5 in profit per year. Which one is the better deal? Obviously Shop A — you get more earnings for the same price. That's exactly what the P/E ratio helps you figure out, but for stocks. So, What Exactly Is a P/E Ratio? P/E stands for Price-to-Earnings. It's a simple formula that compares how much a stock costs to how much money the company e
Ethan Ho
3 min read


Inflation Explained: Why Your Money Loses Value Over Time (and How to Fight It)
Have you ever heard older family members say "back in my day, things were much cheaper"? That's not just nostalgia — it's inflation at work. Inflation is one of the most important concepts in finance, and understanding it can completely change how you think about saving, spending, and investing your money. What Is Inflation? Inflation is the rate at which the general price of goods and services rises over time. As prices go up, each peso you hold buys a little bit less than i
Ethan Ho
3 min read


How Compound Interest Works (and Why Starting Young Is a Superpower)
You've probably heard adults say, "Start saving early." But have you ever wondered WHY early beats late so dramatically? The answer is one of the most powerful concepts in personal finance: compound interest. Once you understand how it works, you'll never look at money the same way again. What Is Compound Interest? Interest is what you earn when you put money in a savings account or investment. Simple interest means you only earn on your original amount (called the "principal
Ethan Ho
3 min read


How to Study a Company Before Investing
One of the biggest mistakes beginner investors make is buying a stock without doing any real research. Whether you’re hearing hype on...
Ethan Ho
2 min read


Why Diversification Matters for Every Investor
Investing in the stock market can be both rewarding and challenging. One of the best strategies to reduce risk and increase the...
Ethan Ho
3 min read


Smart Habits for Starting with a Small Portfolio
Building wealth doesn’t require a huge starting capital—it’s all about strategy and consistency. Here are five ways to maximize returns,...
Ethan Ho
2 min read


Warning Signs: How to Spot Risky Investments
As we head into 2025, it is important to understand investing isn't just about finding the next big winner. It's equally important to...
Ethan Ho
2 min read


Understanding the Risks Before You Invest
Investing in stocks is a great way to grow your wealth, but it’s not without its risks. Understanding these risks is key to making...
Ethan Ho
3 min read


Two Ways Investors Study Companies (Fundamental vs. Technical)
When it comes to investing in stocks, there are two methods investors use: fundamental analysis and technical analysis. While both have...
Ethan Ho
2 min read


Why Owning Part of a Company Can Build Wealth Over Time
Investing in stocks is one of the most popular and effective ways to grow wealth over time. Whether you're new to investing or have been...
Ethan Ho
2 min read
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