Are you a credit card holder? Do you love swiping them every time you spotted a new pair of shoes, or a very fashionable bag, or the latest Apple gadget? Have you ever experienced paying Interest/Finance Charge or Late Payment Fees because you were not able to pay, at least the minimum amount due, on time?
If you are to ask me, then my answer is a big YES! But that was before. Continue Reading
Money comes, and money goes… But you always wonder where does it go? You receive your salary monthly, but it just passes our hand. It is credited in our payroll account, then suddenly it’s gone!
This may have something to do with our spending habits. We spend like there will never be tomorrow. We love to be a one-day millionaire. We’re so much into new gadgets, unlimited vacation trips, eat-all-you can foodtrips, and so on and so forth. Yes, this is our way to pay ourselves for our hardwork and stress, but everything must be in moderation… Continue Reading
Life Insurance is the most neglected financial product by many, where in fact, it is the most important asset to have, especially by breadwinners of the family. In earlier years, if you introduced yourself as an “insurance agent”, people will automatically try to avoid you. Why? Continue Reading
My mother is an agency manager in the biggest and most trusted insurance company in the country. She’s been working there since she is 21 years old and even up to now that she’s already 68. My father, on the other hand, is also an insurance agent in the same company for more than 30 years. With my parents Continue Reading
Goal setting is defined as the process of identifying something that you want to accomplish, and establishing measurable goals and timeframes. It is equivalent to determining your future destination. It can be owning a brand new Toyota Fortuner at age 25, or having your own house and lot worth P5 Million when you reached 30 years old, or even having a happy and early retirement at age 55. Continue Reading
I know you are already familiar with stock market and how it works, but you still have that hesitation in you, a fear of entering something new. Honestly, we have now tools that made investing in stock market easier, BPI Trade or COL Financial as example. You just need to open an account with them then you can already start buying and selling stocks! Continue Reading