How To Find What You’re Meant To Do in Life

Posted in Life Lessons, Mindsetting | 9 Comments

Last week, I was invited to give a talk about money management to College of Arts and Letters students in UP Diliman. My initial plan was to speak about financial strategies for teenagers, but later on decided to instead, share stories from my life. I told them that I was a licensed civil engineer, who […]

The Time You Have (In JellyBeans)

Posted in Inspirational, Life Lessons | No Comments

Have you ever really thought about the time you will spend on Earth? Have you ever wondered how that time can quickly pass us by? How fleeting our life’s moments are, and how much of it we waste on things that don’t really matter in the long run. This video below can give you a […]

The Consequences of Not Having a Business Permit in the Philippines

Posted in Business, Guest Posts | 2 Comments

Are you planning to operate without a business permit? It is always tempting to do so, especially given the long process of registering a business in the Philippines. However, I wouldn’t advise it unless you want to risk facing unfavorable consequences, which will be explained to us today by guest writer, Danella. Let’s read what […]

If You Want To Be Successful, You Have To Choose Happiness

Posted in Mindsetting, Productivity | 6 Comments

Did you know that there is a link between success and happiness? Of course, it is common sense to believe that successful people often lead happy lives. However, there is evidence that show the reverse is also true – that people who are happy, are more likely to succeed in life. In 2005, a team […]

5 Ways To Kill Your Dreams

Posted in Inspirational | 1 Comment

All of us want to invent that game-changing product, launch that successful company, write that best-selling book. And yet so few of us actually do it. TED Fellow and Brazilian entrepreneur Bel Pesce breaks down five easy-to-believe myths that ensure your dream projects will never come to fruition.

7 Ironic Things That Poor People Do

Posted in Mindsetting | 4 Comments

“I wish I could travel as much as you do,” a friend told me one day. “You can, if you plan for it well,” I replied. “It’s easy to plan, but my budget is tight,” he shares. “Traveling doesn’t have to be expensive. Besides, you can always find ways to earn extra income to fund […]

BTID vs VUL and How I See Financial Planning With Respect to Life Insurance

Posted in Personal Finance | 8 Comments

Buy Term, Invest the Difference (BTID) versus getting a Variable Unit-Linked (VUL) life insurance is always a divisive topic, even among us Registered Financial Planners. There have been many attempts to compare them based on actual figures and both sides can always come up with results that favor their stand. However, I believe that protection […]

How To Stay Motivated at Following Your Monthly Budget: A Lesson in Psychology

Posted in Money Saving Tips, Personal Finance | 3 Comments

One of my readers, Kristine sent an email recently to share something that happened to her. Below is a portion of what she wrote: I learned about creating an emergency fund through your blog, which I was able to complete last year. I’m writing to you because if not for that, I would now be […]

How to File Tax Returns as a Freelancer

Posted in General Information | No Comments

This article is from one of my business partners in the US who would like to share how freelancers file tax returns on their side of the world. I will soon be writing about how Filipino freelancers can file their taxes, but for now, here’s my good friend Robert. There’s a lot to love about […]

9 Excellent Reasons Why You Should Pay Yourself First

Posted in Money Saving Tips | 5 Comments

There are many ways to save money, but none of them is as effective as paying yourself first – or the simple act of immediately taking and keeping a portion of your income as soon as you receive it. The concept of paying yourself first is often explained through the formula, INCOME less SAVINGS equals […]

7 Mental Armors For Getting Out of Debt

Posted in Mindsetting, Personal Finance | 10 Comments

I used to have five credit cards, and drowning in almost P200,000 worth of debt. It actually reached a point where collection agencies would make rude calls to me, and send fake summon letters from law firms to my address. At first, I ignored them. I was not affected because I knew those were all […]

There is No Day Much Better Than Today

Posted in Mindsetting | 4 Comments

It is important to have goals. Because when you set goals, you will begin to receive clarity on how to achieve them – your wishes and dreams slowly transition into reachable milestones that you can work for. However, although I put importance on having such a future-oriented perspective, your focus should nevertheless be on creating […]