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In all the years that I’ve been teaching financial management, I can say that one of the greatest secrets to financial freedom is to live within your means.

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We are in the final week of the election campaign and our many candidates will be making their final efforts to win the support of voters. The campaign officially ends this Saturday. Sunday is a day of rest. Then at 6 a.m. on Monday, May 9, the voting begins.

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POPE Francis sought to give new life to his efforts to help Syrian refugees when he visited the Greek island of Lesbos some two weeks ago, then brought back with him to the Vatican 12 Syrians in three families. The three families had fled Syria for Turkey, then set out for Greece across the Aegean Sea, and reached Lesbos where they found hundreds of other refugees all seeking to move on to central Europe.

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Even before you open your mouth to speak, think thoroughly about what you are going to say. Ask yourself, will it be beneficial or harmful to yourself and to others? Will your words bring life or death? Will it build up or destroy someone?

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If China truly believes that it owns almost all of the South China Sea, it should have asserted its claims long ago and begun their massive reclamation activities turning reefs into artificial islands, in areas even within the boundaries of neighboring countries.

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Fall from grace

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WEEKS before his spectacular but barely talked about fall from grace, Francis Tolentino described his MMDA posting as “the most punishing job, perhaps, available.” Subsequent events have shown how no punishment could’ve been more cruel than the politics of the ruling party of which he was not a member.

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