HOW are you? It is just the first half of January and we are have been shaken and tested. Recently, the long been sleep­ing Taal Volcano suddenly let its presence felt. The toxic ash fall scattered from Batangas all the way up to the northern provinces. The volcanic eruption has dam­aged millions worth of […]

  HAVE you been planning to start a business? What is stopping you? No capital? No confidence? The start of a new year is a good time to put up a business. There is something about the New Year that gives us fresh ideas and fresh motivations. I want to help you increase your income […]

  Lose weight Go to the gym Save Invest Travel Have a car Have a house Build a business No vices Be debt-free Is this a glimpse of your New Year’s resolution? If yes, you are in big trouble. Most likely, you will fail at just a few months in. I am not being pessimistic. […]

  (Third of four parts) WE are in the third part of our series, 12 Financial Mistakes we do during Christmas. In this installment, we will focus on the common purchases we do during this season that are questionable if they really are needed or essen­tial. Here comes in the concept of WANTS vs NEEDS. […]

(First of four parts) ** “ON the first day of Christ­mas, my true love sent to me…” For sure, you are familiar with the song “12 Days of Christmas.” We have also made our own ver­sion – 12 Financial Mistakes dur­ing Christmas – so you can sing your way into financial freedom this holiday season. […]