“Who wants to be a millionaire?” This is the famous question of the tv show game “Who wants to be a millionaire?” giving chance for contestants wanting to become instant millionaires. In reality, becoming a millionaire is easily said than done. It is part of a goal, an ambition that needs focus and dedication. Sad to say, not many of us are determined to become a millionaire. A lot of us depend on our luck joining various tv shows and lottery games which can easily

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In today’s economy, a lot of times, it is practical to buy second hand cars from first hand owners. There are a lot of people involved in the buy and sell business of second hand cars nowadays. You can view some of them in various online and offline advertisements. Alternatively, one of the best resource of second hand cars are banks. Since applying car loans from banks is quite easy, people who cannot manage their finances properly end up having their cars repossessed by these banks. I

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This post might be quite late but it’s better to be late than never. Catholics celebrate Good Friday yesterday to commemorate the passion of Jesus Christ from His scourges at the pillar to His death in crucifixion. Good Friday calls each one of us to reflect and repent for our sins. Jesus Christ need to undergo those sacrifices in order for us sinners to be saved from our sins. He is a perfect example of a “person” who humbles Himself despite His status as our Lord. In

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Having huge debts is definitely a burden that’s why I always advise to manage your finances properly. However, if you already have huge debts, one way to pay these debts is through a structured debt settlement. While it may sound too technical to you, structured debt settlement entails restructuring of your loan. This can be negotiated with your creditor. You will have to enter a deal that will either lower your monthly amortization or extend your paying period so that debt payment will

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Most of us grew up thinking that mistakes are bad and should be avoided at all cost. We tend to correlate mistakes with low intelligence: The more mistakes you make, the dumber you are. However, the truth is, mistakes are opportunities to learn something new. “There’s a bit of magic hidden in every mistake,” Kiyosaki said. “That magic is called learning.” Instead of telling yourself on how to avoid mistakes, learn from your mistakes to turn into an opportunity to gain

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There are times that we need cash for emergency purposes and that’s the main purpose why it is advisable to put up an emergency fund before you invest the rest of your money. One of the best ways to get an emergency cash loan is through your credit card cash advance. However, if you don’t have credit card or if you have reached the maximum credit limit, then you can resort to what they call payday loans. Payday loans are short-term loans with some ranging from fifteen days or

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For all those who are my friend at facebook, probably by now, you have already knew that I was one of the major resource speaker in yesterday’s Blog World Philippines 2010 where I talked about the special topic of Financial Blogging. It was my first major speaking engagement. I was surprised the day I received an invitation from Sir Leo Fuentes, the President and CEO of Asian Institute of E-Commerce. They have campuses mostly located in Pangasinan. It was attended by a lot of students

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Times are tough nowadays. There are a lot of job layoffs and salary freezes. Companies are squeezing their budgets so employees are multitasking as of now performing two or more job responsibilities more than they usually do without getting enough salary increases. If your job responsibilities have changed and grown, you should address this situation with your manager as soon as you can. If you don’t you’ll only build resentment and also miss a valuable opportunity for

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Everyone starts from a dream. Dreams drive our determination to succeed. Dreams increases our will power. In reaching your dreams, it’s not always a safe and smooth road. You need to encounter a lot of trials and hardships. A lot of times you will fail before you can even see a first glimpse of success. You should be able “to fight the unbeatable foe” and “to run where the brave dare not go”. Failures are always part of every success. It teaches us valuable

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The health of the economy is directly proportional to your investments. If the economy is doing good, then chances are your investments will also earn good. However, if the economy is experiencing a downturn, then definitely, your investments too are affected. Since the US has the largest economy in the world, most people watch its economy as it may have a domino effect to smaller economies most especially for countries whose main clients for their export products is the US market. According

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