Society is basically made up of the rich, the middle class and the poor. And between these groups, the most obvious difference is the amount of money they have. Personally, I believe that the real gap between the rich and the poor is really NOT their monthly income. To think that the only difference between [...]

It’s been a while since I’ve given some money saving tips so I decided that this will be my topic for today. I know that one of the top financial headaches we have right now is the rising cost of electricity. Add to that the fact that our current lifestyle makes this expense a necessary [...]

Recently, I received an email from a reader who is really set on getting out of her credit card debts. I replied back with quite a lengthy response and thought I would share with you my advise to her. I hope that through this, I would be able to help others who are likewise having [...]

Financial freedom all starts with being able to live within your means because once you do, everything else will follow. You’ll have savings which you can use for financial emergencies, you’ll be able to control your debt and most importantly, you’ll have extra money to invest. And that’s why the first step to becoming truly [...]

Should I build a business from scratch or just buy a franchise? This is a common question that people who would like to go into business often ask. And in this post, I will try to give you some advise on which one you should choose. But first, I would like to say that in [...]

I spent my Holy Week this year in Marinduque. I originally went there for the Moriones Festival but come Easter Sunday, I found myself going to Bathala Caves to experience spelunking for the first time. Honestly, this was not part of my vacation itinerary, I was content with shooting pictures of the festival and taking [...]

Statistics show that 50% of small businesses close down within 5 years. They fail because of many reasons – under-capitalization, poor marketing strategies and mismanagement are just some of the few. So how do you ensure that your business survives and succeed to the “next level”? You’ll find the answers from this seminar entitled, Disciplines [...]