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
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