Most people will tell you they have a financial plan. What they really mean is they have a “retirement package” with a pension fund, life and health insurance policies, mutual funds, and the like. The typical plan is nothing more than a collection of financial products purchased without a clear idea of the total picture. Investing requires a personal financial plan. Where are you and where do you want to go? Do you just want to be secure? Comfortable? Or rich? Are you set up to retire

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Last July 31, I was given the chance to be a resource speaker for the very first financial planning seminar that I conducted. I was at first nervous as this was my very first speaking stint but that nervousness was slowly swallowed as I discussed my topics. It was a success! It was attended by around 50 attendees from our company. I was first introduced as a BS Mathematics graduate from Ateneo de Manila University, mentioned my two former employment background and my feature in Good House

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Different cultures have different practices. Here in our country, usually women are the ones who are more knowledgeable when it comes to money management. They handle the budgeting and other family matters while the husband is busy working as a breadwinner of the family. But women tend to be more shopping addict than men a lot of times. What will you do now if your husband is not comfortable to you in handling the finances of the family because of some reasons? One common symbol of wealth is

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They say that prevention is the best cure to any disease. Bankruptcy as we all know is the worst case scenario for people who want to achieve financial freedom. It’s like a disease that cripples us. Bankruptcy brings to mind a lot of horrible things. In Japan, they used to commit suicide when their business has gone bankrupt. Way back during the stock market crash of 1929, bankruptcy brings to mind a frazzled man in a tuxedo shouting “I’m ruined! Ruined!” before jumping from a high

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Managing your money is the best way to educate yourself to become financialy intelligent. You are the best manager of your own assets. Learn how to take charge of your own money and stop supporting lenders and retailers with cash that should be supporting you and your loved ones. Here are some of the smart ways to manage your finances to reach your financial goals and become rich in the end. As they say, the early bird catches the worm.   Set goals for your gold. Set specific goals. Decide

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Are you planning for your retirement? The earlier you plan, the more successful your plan will be. Retirement planning involves a lot of sacrifices, discipline and hard work. You want to live a good life in your golden years. What if you are about to retire in the next 10 years? But you haven’t save enough? Where do you start? Early retirement is the goal of many. Here are some of the simple advices to successfully enjoy the retirement of your dreams.   Estimate expenses. Take charge. Do a

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The key to financial success is your investment plan. What is an investment plan? That’s the part of your overall financial plan that helps you figure out exactly how to build wealth you need for retirement, college education of your children, or a new house or car. In an investment plan, you decide how much you want to put into certain kinds of investments to reach your overall goals. It is a structured plan that provides discipline and helps you stay on track. So how do you prepare an

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Life is like a game of chances. You can win or you can lose. Everyday, we are faced with challenges, which can either lead us to become a winner or a loser. Learning financial literacy is essential to increase your chances of winning the game of life. Consequently, it is best to play the cash flow game to gauge how well did you grasp the concepts in winning the game of money. Recently, I watched another video again of Robert Kiyosaki as now he talks about the so-called Game of Money where he

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I know a lot of us are employees working for a company and struggling hard to survive on our paychecks. I belong to that category. When that paycheck comes, a lot of us spend it from paying our bills to treating ourselves like buying gadgets and other entertainment wants. If we want to achieve our financial goals, then we must start to save as early as possible. And that is NOW! The earlier we started our savings attitude, the more possible we can achieve our financial goals.   We are used

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