Efren Ll. Cruz

Efren Ll. Cruz

32 Articles Published | Follow:
Inflation anxiety
Pera, pera ‘lang’ 

Shared small matters bring more sustainability

And the best performing Philippine-invested equity fund is…
Why self-control alone fails in personal finance 
Why self-control alone fails in personal finance 
An optimist’s guide to investing in 2026
All is calm, AI’s bright
Christmas presence over presents
A message for HR practitioners