Is Financial Freedom Achievable?

Financial Freedom is an overly used term, especially in the internet or social media posts. Truth is, most scammers used this term to lure innocent investors. But what exactly does it mean? Do you have to seriously take measures to achieve it? Achieving the so called 'Financial Freedom' is no easy task...

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Controlling Weekend Spending

We tend to get excited every weekend. Though, the problem with the weekend is that it’s much easier to spend money because there is typically a lot going on. Whether it’s going out for a bar hopping or going out to eat at a local restaurant with your friends, colleagues or family, the opportunities for...

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Understanding Mutual Fund

How much profit would you earn in a mutual fund? Some gain higher returns, some get thousands while others millions. It really depends upon the fund invested, the period it is invested and the performance of the fund.Income or losses are computed via NAVPS (Net Asset Value Per Share) from the time you opened...

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Is your Emotional Spending takes a toll on your finances?

Emotional spending occurs when you buy something you don't need and, in some cases, don't even really want. as a result of feeling stressed out, bored, under-appreciated, incompetent, unhappy, or any number of other emotions. So if there are ways to control emotional spending, these must be them: 1. Cut...

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OFW? You need to ask these 3 things before buying Life Insurance.

3 Things OFWs Should Ask Before Signing A Life Insurance Policy  So if you you are an OFW either still out of the country or already here in the Philippines, before you sign that life insurance application form, keep in mind these three important details: 1. Is the person you're talking to a licensed...

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How do you Work Out your Finances?

1. Commit to a small savings goal. A small step forward is better than a giant leap forward couple with a loss of motivation. Think of the tortoise and the hare — slow and steady wins the race. Instead of creating a massive savings goal that’s hard to reach, make smaller commitments and turn them into smaller...

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"A Letter from your Life Insurance policy"

~~A letter from Life Insurance Policy to its Policyholder.~~    I am your Life Insurance Policy.You and I have similar purposes in this world.It is your job to provide food, clothing, shelter, schooling, medicine and other things for your loved ones. You do this while I lie in your safe deposit box.I...

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Common Misconceptions about Life Insurance

With less than just 2% of the Philippine population actually bought Life Insurance (another 10% are covered by their companies), we've listed 3 common misconceptions about buying it.Objections:1. No Need.2. No Money.3. No Hurry.  To better understand Life Insurance, we will explain why you should actually...

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Allocating Monthly Income

Here's a simple advice on how to manage or allocate your monthly income:...

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The Formula for your Income

Learn to prioritize saving and investing above others when it comes to managing your finances.  This might be very difficult to practice at first, since you got used to spending all your salary. It may mean adjusting your current lifestyle to accommodate your new investing habit. Do you really need...

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Can you buy life insurance for your significant other?

Most of the time when we’re asked, “Can I buy life insurance on my significant other?” the person is asking the question because their partner just won’t get life insurance on their own. It could be because they don’t:- Think they need it.- Don’t like doctors.- Don’t trust insurance companies.- Or think...

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Cell-Phone o I-Pon?

Gadgets are everywhere now, and most of us are willing to sacrifice hard-earned money to satisfy this expensive craving, worst, some would really wait for the 'newest' gadget to be available!But the thing is, can you really benefit from this? What's the big difference from your gadget that has been brought...

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Should I Crack my Piggy Bank?

How to react to Unexpected Expenses?"Assess your situation to find ways to close the budget gap."1. Assess your savings -If your emergency savings won’t cover the expense, take a close look at your other savings. If you have money set aside in a savings or money market account, this may be the time to tap those...

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How to Keep on Track on your Finances

Manage your debt with these seven advice: 1. Live within your meansMeet the golden rule: Don’t spend more money than you earn. And overdraft is not part of living within your means.2. Balance transfer to reduce costsIf you’re carrying balances at high interest rates, do a balance transfer to a less expensive...

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Don't Grow Old Without Money

Don't regret getting older, it is actually a privilege for you. But if you are getting older without money, it is a different story. While you are young and still can work or do business, give your best shot so that in the future, you have something to re...

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The Importance of Having a Life Insurance

Life Insurance is very important as it protects your loved ones after you if some mis-happening occurs. Here are some other reasons why you need a life insurance now--1. To Protect Your Family and Loved Ones:If your loved ones depend on your financial support for their livelihood, then life insurance is a must,...

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The Life Insurance Linggo

Insurance addresses the gap between the money you have and the money you need in case of unfortunate events like illnesses, accidents or calamities. It’s a wise investment that will help protect your wealth and health while you are alive. But how about your family? Who will protect them if something were to...

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From 'MU' to 'MF'

What is a Mutual Fund? It is a type of investment wherein you join other investors and corporations to form a massive fund which will be handled by an expert/professional who is called fund manager for diversified portfolios of stocks, bonds, securities, money markets and other mutual funds.Things are mutual...

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Critical Illness Benefit discussed

The danger that lurks in your Heart.What is a CRITICAL ILLNESS RIDER? Critical Illness health plan is something that could be taken along with your life insurance or a variable investment product as a rider. It is just an extra premium along with your regular plans. It pays a lump-sum money in case of a diagnosis...

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Which is better, Time Deposit of Mutual Fund?

We Filipinos have a common notion when it comes to saving money: keep it in a savings or time deposit account. We usually set aside a portion of our income, just let it sit there, and access the money when we need it. Putting our money in time deposits gives us a sense of security, knowing that there's a...

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No Spend Day

Have you heard of this: "NO SPEND DAY" ?  This is a tip where you should set at least 1 day in a week to NEVER spend (or at least only your basics like transportation and food). Do you think you could do it? Technically, even if you don’t open your wallet, you’re still spending money on things like...

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Ways to Prepare for Retirement

Putting money away for retirement is a habit we can all live with. Remember…Saving Matters! 1. Start saving, keep saving, and stick to your goalsIf you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you're not saving, it's time to get...

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