One afternoon, at one of my financial planning seminars, I asked my participants, “what is estate tax?”. A number of participants replied in unison, “it’s the tax we pay every year!” Although, many Filipinos nowadays are well aware of the fundamental concept of financial planning, many are still ill-educated when it comes to estate planning. … Read more
People making lists Buying special gifts It’s a time to be kind To one and all It’s that time of year When the malls are near And you wish you Could have more To buy all presents From a store I know we all know ‘Give Love on Christmas Day’ by heart. But I messed … Read more
Aim high. Climb the ladder to success. Reach for the stars. These are the common catchphrases we hear while growing up and finding our own place in the world. Wired as we are to raise our heads up in the society norm and to prove worth in the real world , many of our countrymen … Read more
You’re too busy being young. Who’s not? We only get to be young once, right? We don’t have time for serious stuff. Maybe when we had enough of fun. Maybe when we get couple of wrinkles. Maybe after 10 years. That’s the time we’ll think about what worries the older people. Life’s too short to … Read more
A Long Investment is something that ordinary people doesn’t know how it really works, that’s why I made a comparison that is quite easy to analyze. Since most of us were fan of the word “forever” I decided to make a comparison between Investment and a Love Affair/Relationship. I hope you find it interesting as … Read more
Like all other financial goals, planning for child’s education is an important one just like the other. Bilang isang magulang, ang isa sa mga mahahalagang pangarap natin para sa anak natin ay ang mabigyan ng wasto at magandang edukasyon sa pangarap nating paaralan. But the sad truth is, most parents, especially the young couples, always … Read more
Matapos ang mahabang panahon ng ating pagtatrabo, ang kadalasang pagkakamali ng karamihan ay ang hindi paghahanda sa panahon ng pagtanda. Most of us don’t bother about it until we reach the age of retiement, but sad to say, retirement is not an option. Others think they don’t need much during old age. They forget to … Read more
According to Lou Holtz; if you are bored with life, if you don’t get up every morning with a burning desire to do things—you don’t have enough goals. The question is, “para kanino at para saan nga ba ang dahilan nang ating pag gising sa umaga?” Experts say that brain is a goal-seeking organism. Ano … Read more
This Article also appeared in Money Sense Magazine. For more than fifteen years of my seafaring career, if there is one lesson that I could equate my life to this work I could sum it up to STABILITY. Stability is not only about the ship being able to float safely in the water, but it … Read more