Two things in this world hardly ever get discussed on the same conversation: artistic passions and personal finances. Why? Both lie on the extreme sides of the mind: the creative and logical. But truth is, they’re not as unrelated as most people think.
Most of the things in life won’t be possible without money. We can’t eat without money – unless we scavenge trash bins of restaurants and make “pagpag”. We can’t spend quality time with our loved ones without money – unless we just stay home, watch TV, or play board games (all of which still need money by the way). And we can’t indulge in our artistic passions without moolah – unless our idea of art is drawing stuff on other people’s walls. Continue reading Pera’t Sining: Of Artistic Passions And Personal Finances
So you don’t have a job now. Or your business isn’t doing well. Or you simply just failed to manage your finances in the previous month and your bills are starting to pile up. Overdue notices have been slipping under your door while you are sleeping.What are you gonna do now? Should you immediately borrow money from a loan shark?
Here are a few suggestions that you can consider if you are cash-strapped today. Continue reading How To Make Money When You Literally Have No More Cash In Your Pocket
10 Mistakes Pinoys Do Before a Personal Loan Application
Personal loans are an easy sell for most Pinoys. They have flexible payment options, easy application requirements, and are readily available from banks. Most Pinoys use personal loans to start a business, fund their dream wedding, travel abroad, and start their home remodeling projects. Because personal loans do NOT require any collateral and have easy-approval, they are great for emergencies, too. But is that enough reason to get a loan? Continue reading 10 Mistakes Pinoys Do Before a Personal Loan Application
At last, PERA is here! After half a decade of waiting and being a #Paasa to many Filipinos, especially OFWs, the government has finally launched it to help promote long-term investments.
But what is PERA?
PERA is the acronym for PERSONAL EQUITY and RETIREMENT ACCOUNT. This is a voluntary retirement account, which an individual can set up for his/her exclusive use and benefit. It is similar to the 401(K) of the United States of America that serves as a financial instrument for retirement. Continue reading Why OFWs Need To Invest in P.E.R.A. While Abroad
As 2016 draws to a close, do you feel you have achieved all your financial goals? If it’s a yes, you deserved a pat on the back, otherwise, you could just be in the same group as those who couldn’t afford a Christmas gift or dinner this year. Nevertheless, here are some investment strategies for 2017 to get you a bigger bank account.
It’s no secret, the only way to have more money is to actually make it grow. Saving is just one part of the equation then investments complete the whole balance. But like many, you may feel a bit intimated about the word investment. However, it’s not as hard as it sounds, and many wealthy investors today at one point were in the same position you are. Continue reading Investment Hacks That Will Make Your 2017 a Different Year
With Christmas less than two weeks away, more and more of our kababayans are coming home to spend the holidays with their families. After living and working abroad with little to no family with them, returning home for the holidays is a much-awaited homecoming for overseas Filipino workers (OFWs). From balikbayan boxes filled to the brim and nightly reunions, the Christmas holidays is a grand celebrations for OFWs, and an expensive one. Continue reading Top 10 Money Tips for OFWs on Christmas Vacation
I’m not sure if you’ve heard of Jon Orana. He was featured on several newspaper, TV and radio shows recently.
He’s been running an online business all from home with just a computer and Internet connection.
Part time. 4 hours a day.
No full-time employees. No office.
Best of all, he doesn’t have to meet nor talk to any of his customers. So, this is not MLM or networking that you need to recruit your relatives and friends.
And as of this writing, he has sold over $1 Million (about Php 46 M in pesos) of my own products online. Laking pera ano? Continue reading 4-hour a Day Business. Php 46M in Sales
Christmas in the Philippines is often celebrated at the start of the “ber” months. And since it’s already November, we’re barely just over a month away from the most wonderful time of year. This is the time when we write down the names of our loved ones and plan what presents we should buy for them.
We not only need to prepare our wallets for the biggest spending season but our stamina as well to withstand long shopping queues and the Metro Manila traffic.
This infographic from M2.0 Communications offers 11 Clever Ways to Survive Christmas Shopping in the Philippines. Continue reading 11 Clever Tips for Christmas Shopping in the Philippines (Infographic)
Whenever I give a seminar or workshop on personal finance, business and investing, the most common response from the audience to my question as to whether they already have bank accounts is always a big resounding “no”. This kind of response is one of the reasons why financial advocates need to work more to help many Filipinos become more equipped with financial knowledge and use it further to achieve financial freedom.
This infographic from PawnHero shows us the reasons why many Filipinos do not have bank accounts and what they usually do whenever they experience financial problems. Continue reading Why Many Filipinos Don’t Have Bank Accounts and What They Do During Financial Troubles