How Much House Can You Afford?

As part of the launch of TrulyRichClub 2.0, members get to learn more on how to plan their finances wisely through online tools and friendly reminders.

One of the tools that TRC members will enjoy and benefit from are the TRC finance and investment calculators. In this particular post, you will be able to determine if the property you are looking at right now is affordable or may be beyond your financial capacity.

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The newly-constructed house in a 200-sqm property located in the cool city of Lipa. If you want to see and purchase this house and lot, you may send an email to rurugut369@gmail.com and get a very special discount.

So before you sign that agreement and turn over the postdated checks to your real estate broker/agent, check out this calculator first.

So are you really ready to buy a house? Check out my advise here first before hurting your pocket.

Learn more on how to invest! Subscribe to Rock To Riches for FREE!

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P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 3. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 4. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 5. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

Simplify Your Investment with ALFM Peso Bond Fund

I have been an investor in high-risk assets like the stock market and equity/index funds for quite some time now. These are where I believe my money will grow significantly over time and they should be able to help me achieve my long-term financial goals.

But since equities are a volatile type of investment, I may incur paper losses along the way. And even though I know there will be no actual loss of money unless I redeem, I had to look for another option to somehow provide me a defensive wall against crashes and dips of the stock market.

I thought of investing in bonds to address my diversification needs of my portfolio. However, since most of my cash is invested in equities, businesses, and real estate, investing directly in bonds would require me to shell out at least P100,000. And I can’t afford to liquidate my equity investments in order to invest in bonds.

Good thing I found an alternative to direct bond investing for smaller investors like me.

I went to my BPI branch in Lipa City Highway and was able to meet Ms. Kyra Rivera of BPI Investment Management Inc. (BIMI) who introduced me to the different investment products they are offering under the ALFM Mutual Funds. Apparently, BIMI is the fund manager of ALFM Mutual Funds and is 100% fully-owned by BPI.

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with Ms. Kyra Rivera of BPI Investment Management, Inc.

I explained to Ms. Kyra that I have been wanting to invest directly in bonds but I have limited amount of cash. She told me about the ALFM Peso Bond Fund and I thought it is a much better investment option for me. I decided to open an ALFM Peso Bond Fund account right away.

**For those who want to know how to invest in ALFM Peso Bond Fund, the first thing you will have to do is to approach a Mutual Funds Investment Counselor like Ms. Kyra.

But before you can have an ALFM Peso Bond Fund account, you will be required to answer the Client Suitability Assessment form in order for them to know what type of investor you are.

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Step 1: Fill out the Client Suitability Assessment Form for Individuals * ALFM is a product managed by BPI Investment Management Inc. which is a subsidiary or 100% fully-owned by BPI.

 

They will provide you a recommended portfolio allocation based on the result of the client suitability assessment and you will then decide whether to agree on the recommended allocation or to create your own allocation.

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The ALFM’s Recommended Portfolio Mix

 

While there are more popular investments like professionally-managed equity or index funds, there are also bond funds who are suited for moderately conservative investors. Ms. Kyra explained that moderately conservative investors who have limited investing budget can gain diversification in bond funds like the ALFM Peso Bond Fund.

When you invest in ALFM Peso Bond Fund, your money will be invested in different fixed income instruments like treasury bills and corporate bonds.

In my case, the assessment result showed that I am an aggressive investor because I am already exposed and invested in the stock market and other high-risk instruments. But since I wanted to diversify my portfolio further, I still pursued my desire to invest in ALFM Peso Bond Fund.

So I filled out a set of account opening forms. Kyra received and gave me the client’s copy of the forms I signed and informed me that the account will be opened at the BIMI Head Office. That fast and I am already an ALFM Peso Bond Fund investor!

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ALFM Peso Bond Fund is a product managed by BPI Investment Management, Inc. which is a subsidiary or 100% fully-owned by BPI

 

Why I Chose the ALFM Peso Bond Fund

Considered as the largest mutual fund in the Philippines, I chose ALFM Peso Bond Fund because it carries these awesome features.

1. Affordability

You can start for as low as P5,000, then add P1,000 for succeeding investments anytime. There is no required monthly additional investment. This is very ideal for those who already have savings and want to earn a little more than what they can from traditional deposit products.

2. Shorter Holding Period

Unlike in direct bond investing where your capital will have to wait for at least a year before you can redeem it, ALFM Peso Bond Fund‘s holding period is just 180 days. It has no maturity date unlike in direct bond investing. This means more liquidity for you while opting to invest for the long term.

3. FREE Life Insurance!

When you invest in ALFM Peso Bond Fund, you are entitled to have a P200,000 worth of life insurance**. This free insurance rivals VULs or variable unit linked insurance products offered in the market. The returns are net and gives real returns to the client. There are no hidden premium fees or charges, unlike in a VUL where in there are costs and premium fees.

**A primary investor will only be entitled to the P200,000 life insurance if the ALFM Peso Bond Fund account is worth at least P100,000. It is also not automatic. An ALFM Peso Bond Fund investor will have to fill out the Individual Application for Group Term Life Insurance to avail this feature.

4. Accessibility & Convenience

The good thing about investing in ALFM is that it is linked in the online banking facility of BPI Express Online and BPI Express Mobile App. You just need to enroll your investment account online, then you can already view your portfolio and subscribe or redeem investments, in your PCs or mobile phones.

Ms. Kyra also discussed the Regular Subscription Plan, which really got me interested. It is an auto-invest facility, wherein you can make scheduled contributions to your mutual fund monthly or quarterly for as low as P1,000. For those who want to really invest consistently, like me, you might as well enroll in this facility.

 

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If you have been looking for wiser investment vehicles that are safer than investing in equities, the ALFM Peso Bond Fund is the right option for you. Make your cash flow less stressful and your investment more enjoyable by choosing the ALFM Peso Bond Fund.

Schedule a call with a Mutual Funds Investment Counselor by visiting any BPI or BPI Family Savings Bank branch to know more about the ALFM Peso Bond Fund and other ALFM Mutual Funds today! You can also log on to www.alfmmutualfunds.com or visit www.facebook.com/ALFMMutualFunds for more details.

*This is a sponsored post.

 

True Change is Coming…

I have been very busy for the past several weeks as I am currently working on our second house project in Lipa City which we hope will be done within this month. Watch out for it as we will be selling it at a premium price. The location is very cool and close to nature! That’s the reason I have fewer speaking engagements and coming out with even fewer articles in this blog.

Here’s a preview of our house project which will be available for bidding/selling soon! Our decision to dabble in real estate business is a welcome change. :)

2016-07-04 15.52.45
Our house project in the cool city of Lipa in Batangas

Meanwhile, there is another true change that is coming to town. And this viral video of Bo Sanchez will give a preview of that!

This video has reached Filipinos from all over the Philippines and even our kababayans in the Middle East, the U.S., Australia, Europe, and the rest of the world are raving about it!

The video has created so much excitement, people were raving about it!

Allow yourself to be inspiredl! Watch this video now and feel the real change that’s coming soon! :)

Embrace real change! Subscribe to Rock To Riches for FREE!

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P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 3. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 4. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 5. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

Investing 101: Investment Types and How They Work For You

There was a time when Filipinos viewed investing as something that was only for the wealthy. Buying stocks, trading, or buying and selling were activities thought of as something only the foreign nationals living here did. In recent times, however, more Filipinos have become more open to investing. PawnHero looks at different kinds of investments and how you can maximize what you get from them.

Filipinos took great pride in these investments because now they can call themselves entrepreneurs and business owners instead of just being plain workers. Many years after, small investments became the name of the game with the arrival of multi-level marketing companies.

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Networking and Investing

Popularly known as “networking,” this type of investment enticed young people, as well as those who were easily lured by the promise of easy cash and significant returns. Alas, only a handful do succeed, and many feel that they have just thrown away the money they invested. Truth be told, the world of investment does not operate in such a simplistic way. If you really want to learn how to invest, take a look at these investment types and see which one is best suited for you. Let’s break them down into three main categories namely ownership type, lending, and cash equivalents.

Ownership

Ownership investments are things that you buy as an asset, which are kept with an expectation that they will increase in value. This is the broadest investment category because it includes investing in different things for profit or resale purposes.

    • Stocks – Filipinos are becoming more interested in trading in the stock market. Ordinary folks are now buying stocks from large companies, and trading and selling them for profit. You don’t need a big investment to start here, as even a few thousand pesos will do. This is the reason why even college students are able to try investing in stocks. You also don’t have to be very knowledgeable about it since there are financial advisers whom you can turn to for advice.

 

  • Real Estate – This is for people with large sums of money to spend. Buying land, houses and lots, or condo units is a lucrative trade, but you would need a large capital for it. Also, you must be very patient because selling pieces of property takes longer than say, jewelry or appliances.

 

 

  • Precious metals, Art, Collectibles – You may not realize it, but the “buy and sell” business falls under this category too. Some people buy jewelry and sell them at a markup, well this is like that but on a couple of levels higher. Gold, silver, diamonds and precious art are bought and sold to interest parties. Investment is also big here, but very rewarding.

 

 

  • Business – Opening a company selling a product or service is always a good way to invest.

Lending Investments

Lending Investments is also a good way to earn returns, and you won’t have to wait that long to get your money back. This is a low-risk and low-reward investment that includes bonds, certificates of deposits, and other types of loans. Here, the investment is purely cash, and there are no items or physical products that are bought or sold. Because of the lack of something physical that needs to be maintained, the expenses with this type of investment are negligible. Just be careful of who you lend to and make sure that you protect yourself.

Cash Equivalents

Cash equivalent investments are also low risk and little return. These include treasury bills, bank notes, corporate commercial papers, and more money market instruments. One important thing to note is that this is actually a relatively secure type of investment especially if you go for those backed by the government. Not a lot of people go into this kind of investment here in the Philippines though.

Filipinos would rather go with ownership and lending investments because they can immediately see, or at least project, how much they will be making. While the little return might put you off, it’s certainly higher than what most banks offer. This makes for a great alternative to a purely passive savings account.

As with any investment, there are highs and lows. In case you need extra cash to top up your capital for your online store or food business, don’t hesitate to check out PawnHero, the first online pawnshop in the Philippines. They accept appliances, gadgets, and other items allowing you to meet your short-term cash necessities right at the comfort of your home!

Gem Muzones

Gem is a contributing writer for PawnHero. She was a news writer who walked alongside protesters in the streets of Manila and a magazine editor who got free passes to product launches and the hippest events. She’s a big Game of Thrones fangirl, 1/2 of a budget travel blogging duo for Travels with a Hobo, and suffers from chronic hair dissatisfaction (she changes her hair color every month).

*This is a guest post.

– – – – – – – – – –

Learn more on how to invest! Subscribe to Rock To Riches for FREE!

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P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 3. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 4. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 5. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

Why There Is No Need For You To Show Off

A couple of weeks ago, I was discussing with a friend about so many things such as the music we play as a band, how good homeschooling is for kids, politics in the Philippines, educating the youth, and our financial literacy advocacy. The most interesting part of our discussion was about stewardship and frugality, two of the things that I truly believe and share to other people.

My friend told me about his father-in-law who lives in a posh village in the southern part of Metro Manila. His father-in-law owns 30 properties or so around the Philipppines but drives a very simple car. Which means he can buy any of those expensive SUV’s available around the Metro but prefers not to.

He uses an old school cellphone (the one with flashlight and FM radio) instead of smartphones that many people under the classification of “poor and not-so-poor” show off to their friends and frenemies alike.

*We’re closing the Internet Business Master Class (IBMC) 3 days from now! Book a slot NOW to learn how to earn 5 to 6 digits through the Internet Business Master Class (IBMC)! Click here to enrol!

(Download your FREE video series NOW as our gift to you on how to make money from selling digital products while you are still an OFW!!! CLICK here!)

Check out my post “We’re Using Cheap Cellphones, So What?”

My friend agrees with his father-in-law. He said that he would even choose a good second-hand car over a brand new one for practical reasons. And I share the same view and sentiment.

Show off zone (3693364816)

Do you want to know why it is not good for you to show off especially if you don’t have the cash? Here are some of the reasons my friend and his father-in-law gave.

1. You become a subject of jealousy. Many people will surely get jealous of your high-end smartphone or your extravagant shoes. Yes, it’s your right and hell yah, you’re helping the economy. But tempting your friend to buy or borrow money just to get the same pair of shoes that you have may cause financial distress to him or her or their families. Leave the financial burden to yourself and do not tempt your friends and loved ones.

2. You will be the thief’s apple of the eye. Unlike my friend’s father-in-law who lives in a secured village, your house may be located in a place where you are your own security guard. Your dark street may be the kingdom and paradise for snatchers. Why risk your life for these?

3. You may lose your privacy and become the talk of the town. Many people will talk about you and that expensive thing that you bought. Well, you will say I don’t care what people say. But I tell you, you will. And it will be a big concern for you, your kids or family members in the future.

4. You will not really be happy about it. Other people may be impressed at least for a while. And you will too. Later on you will regret that decision of buying that mundane item because a more important financial matter needs to be settled. And you don’t have the cash anymore.

5. You will not benefit anything from showing off . You will fantasize about it before and after buying it. But soon your fantasy will become a nightmare. You won’t gain anything from such an interaction other than emotions fired up on both you and other people’s side — jealousy and pride. And neither of these two are good qualities for you to show off.

“Don’t be concerned about the outward beauty of fancy hairstyles, expensive jewelry, or beautiful clothes. You should clothe yourselves instead with the beauty that comes from within, the unfading beauty of a gentle and quiet spirit, which is so precious to God.” – 1 Peter 3:3

Live simply, comfortably and without the need to post what you have on social media and without the need to wave those bundles of cash in other people’s faces. Subscribe to Rock To Riches for FREE!

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Rock your way to abundance!

#moneyliferocknroll

P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 3. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 4. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 5. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

Four Simple Tests To Do Before Investing Your Hard-Earned Money

Are you familiar with litmus tests? A litmus test is the use of a litmus paper to test the acidity or alkalinity of a solution.

In investing or business, you should also apply a few simple tests before deciding to pull out that hard-earned money from your pocket.

Here are our four simple investment “litmus” tests:

1. The investment offer must be clear and easy to understand.

No hanky-panky’s. No gimmicks. No tricks. No flowery words.

When selecting an investment vehicle or any business opportunity for that matter, make sure that the broker or dealer clearly explains their investment product or services. Investment categories such as stocks, bonds, and pooled funds are some of the most popular paper assets being offered to the public these days. “Hard assets” like gold or real estate may also appeal to you.

Before parting with your money to invest in these assets, make sure that you have attended seminars or trainings provided by the appropriate government financial institutions and have researched about them yourself.

LitmusTest

2. There should be a good “chance”, but not a guarantee, to make money.

While you should be investing in assets that will make you money, an investment should not offer a guarantee to make big profit in a short period of time.

There are investment vehicles such as government or corporate bonds that offer fixed returns after a specific number of years. But don’t expect your money to double within that period since earnings from this instrument is relatively small, just a tad bit higher than “cash” investments like money market and time deposits.

If someone offers you a guaranteed return in the stock market, stay away from it right away.

3. There must be a ready market if you should need to liquidate or sell your investment.

There have been stories of overseas Filipinos investing in real estate and gold bars but were not able to liquidate them at a profit. Some could not sell their properties or condo units because the location is simply not profitable.

When investing in an asset, make sure that there is someone who is willing to buy your investment at a price that you desire and at a profit that matches your personal financial goal.

4. The investment should not be relatively expensive to buy and sell.

Have you heard about people being duped because they believed that they will get big profit if they invested a bigger amount of cash?

A good investment should always be affordable to buy and sell. It should also offer you a reasonable amount of time for you to decide before investing in them.

Are you ready to “litmus test” your investment options? To learn more about evaluating investment and business options, subscribe to Rock To Riches for FREE!

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Like-us-on-Facebook

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Rock your way to abundance!

#moneyliferocknroll

P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 3. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 4. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 5. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

Save Money By Planting These Vegetables

Many will say that gardening and farming is not for everyone. But I beg to disagree.

We are now in the internet and information age and there’s no more excuse not to plant vegetables and fruit-bearing trees. Living in the city and in a condominium unit? Many people have done it and I know you could too!

For those with small garden lots and porches, there’s more reason for you to plant vegetables that you commonly use in your kitchen. Not only you will be healthy, you will also save money.

To make the most of your money, time, and space, these are the vegetables that we recommend to Filipino households to plant in their pots and backyards.

The Sinigang/Nilaga Combo

Pechay. This leafy buddy is one of the most favorite vegetables in the Philippines. In the local markets, one bundle may cost around P10 to P15. A pack of pechay seeds (containing hundreds if not thousands seeds) will only cost you around P25 to P40.

Pechay
Our pechay forest

Tomatoes. Tomatoes can save you a lot of money. It is one of the most common veggie used in Filipino cuisines and household kitchens. A significant ingredient of many local dishes, tomatoes can be grown easily. You can even get the seeds from the tomatoes you bought from the market and plant them on your pot with wet soil. 

Tomato
Tomatoes growing along our fences

Sitaw (Pole beans). Another veggie that is always part of the cast whether it’s sinigang or ginisa, is the sitaw. You can plant some sitaw seeds in a relatively big can of soil and let them crawl up a 4 to 5-foot bamboo stick or wood. You can also use other materials such as strings and old wires as “balag” or trellis.

Gabi (Taro root). This root crop grows not only in the provinces as this can be seen even around Metro Manila where there are vacant lots and open soil. A great pampalapot for your sinigang!

Kangkong (water spinach) or talbos ng kamoteng baging (sweet potato tops). Study shows that these leafy vegetables are rich in ‘antioxidants’ like ‘chlorogenic acid,’ ‘isoclorogenic acid,’ at ‘caffeic acid’. I just love the sweet potato tops (talbos)

KamotengBai

Herbs. Yes, you can easily grab them from the shelves of your favorite supermarket. But did you know that you can grow a lot of herbs indoors? Try to plant a few pots of rosemary, basil, and even chilis and let them grow near the windows in your kitchen.

The Ginisang Gulay/Pinakbet Gang

Okra. This slimy friend of yours is definitely very good for your body, and your dishes. I remember my parents putting a couple or more okra on top of our nearly-cooked hot steamed rice and then crushing them with tomato and the locally-made bagoong isda. Yummy!

Ampalaya (Bitter Gourd). It may be bitter for your tongue but very sweet for your body. Another easy-to-grow ingredient for your pinakbet or ginisa with egg.

Calabasa (Squash). The ginataang kalabasa (with sitao) is one of my favorite Filipino dishes. Imagine the savings you will have if you have this in your garden instead of buying them from the market.

Luya or luyang dilaw (ginger or turmeric) Not only it is a great ingredient for your dishes. Luya has also medicinal benefits. Have you tried drinking salabat or ginger tea? Make it a part of your breakfast and see how your health improve along the way.

What Are The Benefits of Growing Your Own Vegetables?

1. You have control over what ends up on your table. You can even decide what fertilizer and pest control to use. You can also choose whether to grow organic. In short, you know that you are eating vegetables that are safe from chemicals you may not like and are bad for you and your family.

2. Your food are surely fresh. There’s nothing better that fruits and vegetables picked from your garden. Did you knwo that once vegetables and fruits are picked these begin to lose moisture and nutrients? But if you are the one who made them grow, you are sure when it was been picked and how fresh it is.

3. A garden is good for your visual and mental health. A garden with vegetabls and fruits can bring color, beauty, and life to your garden. Plus the sight and smell of them can be refreshing for you and your family.

4. You save money. Did you know that the price of a pack of vegetable seeds is almost equivalent to what you would pay for a single vegetable or fruit at the supermarket? You even have to consider the fare or the gas you have to spend on getting to the store and back home.

5. It is a great family activity. Let your and your kids hands get dirty. Let them plant seedlings and harvest the fruits with them. You want them to get off the TV screen and their gadgets? This is the answer! It should be a lot of fun for the whole family!

6. Acquire some Vitamin D. Remember your parents letting you dry like clothes under the morning sun when you were a kid? Yes, it’s true. The sun’s rays promote Vitamin D production which really very good for our health. A 20- to 30-minute a day gardening can promote good sleep and positive energy. So go out now and have fun under the morning sun!

7. You can make money! If you have a garden big enough to plant 20 to 100 vegetable seedlings, then you can make money by selling your produce to your neighborhood or have them picked up by a vendor. The soil is a gift from nature and God so why not use them to bless other people?

Regardless of what you want to plant and grow in your pot or garden, make sure that you only choose those that you and your family will eat and those that will really give you what you want and need.

Learn how to make sustainable living by subscribing to BurnGutierrez.Com for FREE.

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#moneyliferocknroll

P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Did you miss the Internet Business Master Class (IBMC) enrolment deadline last Monday? Worry not anymore because tomorrow, April 21, we will reopen the enrollment for just 48 hours. You’ll be sorry if you miss it again. Allow Jon to take you by the hand and teach you step-by-step on how to make serious money online. Click here to enrol

P.S. 3. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 4. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 5. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 6. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

Catch These Money Learning Events in Singapore This Month of May!

Summer is going to be a very busy season this year with all the events happening in and around the Philippines. And our fellow Filipinos in Singapore will be part of the learning frenzy as well as our friends and business partners Randell Tiongson and Jess Uy and investment icon Rex Mendoza take to stage their financial wisdom and knowledge.

Catch these three celebrity money personalities on May 6 and 7 in Singapore! Share it with your friends and loved ones! Contact seminars.jessuy@gmail.com for registration and more details!

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Be a wise money decision maker by subscribing to BurnGutierrez.Com for FREE.

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Rock your way to abundance!

#moneyliferocknroll

P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Due to popular demand, my good friend and business partner Jon Orana will be releasing again his online program called the Internet Business Master Class. This exciting online learning program is about creating and selling e-books in the internet. Here’s a FREE 23-page step-by-step guide on how to make money selling e-books including which topics to write. Sign up now in Jon’s FREE webinar happening on April 11

P.S. 3. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 4. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 5. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 6. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

Top Pressing Financial Reasons Why You Need To Organize Your Records

Maybe you know where your SSS ID is kept. Maybe you know which drawer you squeezed in your passport. But when your filing cabinet becomes like the traffic in EDSA or the Los Angeles freeway and you can’t find a document that you need in at least 10 minutes, then it’s high time for your files to have a makeover.

Here are some of the pressing financial reasons why you need to get a better handle on all your documents sprawling around your house.

Less cost on fees. Your accountant or tax lawyers will charge your less on man-hour costs and professional fees if your files are well-organized. Having good records will save you money in the long run.

Saves you time. If your files are organized and properly labeled, it will be easier for you and your family members to pull them out if immediately needed.

Easier for family members to pick up documents when you are not around. More importantly, having your files organized will be easier for your spouse or kids to look for your files when needed and if you are not around. You will also set a good example to your family members when they see how organized you are.

Unorganized records lead to relationship friction. You may have experienced blaming your spouse or parents when you were looking for a particular document during an emergency and you could not find them. You can avoid these blame games by maintaining a good filing system.

Lets you know your current financial situation. Having good records and organized filing system will also help you and your family members understand what you currently have and how your cash flows in and out of your accounts.

2016-04-07 18.49.52

Transform Your Piles Into Files

Don’t procrastinate, start your simple home filing system now. You can start with just 10 to 20 major categories for your hanging files or filing folders.

Here are some examples for you to consider:

  1. Cash and banking records
  2. Mutual funds and unit investment trust funds
  3. Stock brokerage accounts
  4. Retirement plans
  5. Insurance (Non-life)
  6. Insurance (Life/critical illness/disability)
  7. Insurance (Medical)
  8. Estate plans
  9. Work-related files
  10. Home purchase and improvements
  11. Loans and mortgages
  12. Cars/vehicles
  13. Taxes and government filings
  14. Warranties and manuals of your appliances and gadgets
  15. School records of your children
  16. Personal financial records and inventory

Are you ready to get organized? Follow my posts and learn how to keep good records by subscribing to BurnGutierrez.Com for FREE.

Instagram

Like-us-on-Facebook

follow-us-on-twitter

Rock your way to abundance!

#moneyliferocknroll

P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Due to popular demand, my good friend and business partner Jon Orana will be releasing again his online program called the Internet Business Master Class. This exciting online learning program is about creating and selling e-books in the internet. Here’s a FREE 23-page step-by-step guide on how to make money selling e-books including which topics to write. Sign up now in Jon’s FREE webinar happening on April 11

P.S. 3. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 4. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 5. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 6. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!