Well, financial planning by definition is a long term process of wisely managing your finances so that you can achieve your dreams and goals. That means, financial planning is NOT an overnight success. So if somebody approaches you telling you to invest in something and you will have a guaranteed 20%-40% earnings or even double … Read more
It was the rush hour of Friday morning in January 12. A white man in jeans and long-sleeve T-shirt emerged from the Metro at the L’Enfant Plaza Station and stood beside a trash basket. He carried a violin case and took the instrument out after a while. Placing the case near his feet, he threw … Read more
We keep on wanting many things in life. In fact, because of too many wants, we fail to see what we are already getting. Nowadays, people in social media keep on talking about financial independence. The subject on personal finance becomes the most talked-about topic. But despite of all the information we are getting on … Read more
This article is written by Evangeline Villaverde of Cardinal Buoy Financials Our children need a lot of guidance in every aspect of their lives that’s why we as parents are encouraged to have quality time with them. We are directed to train our children in the way we want them to become so that when … Read more
I’ve done countless “Financial Planning for the Fast Changing World” seminars. I started educating and inspiring people when I was still boarding a ship. Now, I’m doing this advocacy not only for OFWs but as well as for all people who are looking for ways to reach financial independence. In all honesty, all of my … Read more
After months of saving money for the holidays and draining your bank account within few days, you have to face the fact that reality bites – you have to pay all consumer debts you have incurred during the season Natapos na ang napakagulong schedule mo, umalis na ang mga nagbakasyon sa bahay nyo, at unti-unti … Read more
Becoming rich can be daunting and confusing at the beginning just like navigating in a foggy sea. But once you start taking some steps, things get clear. If we define what financial planning is, it means a long term process of wisely managing your finances so you can achieve your goals and dreams. Retirement is … Read more
Hindi ko kayang i-describe kung gaano ang sayang nararamdaman ko habang tinitignan ko ang bunso kong anak na si Alisa na tumatalon-talon. Tuwang-tuwa syang salubungin kami ng nanay nya nang isang araw na galing kami ng Dapitan Arcade, namili ng mga Christmas decors para sa papalapit na kapaskuhan. Lalong natuwa si Alisa ng sagutin ko … Read more
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