Skiddoo Philippines Inc

Should You Change Your Investment Strategy?

Being in a comfort zone is not an assurance that you will succeed forever. In the same manner, doing the same strategy in your wealth-building all your life will not guarantee that you will achieve your goals.

Why? Because things change. Your relationship status change. From being single you either get married or be in a domestic relationship. If things get worse, you may fall under the category of “It’s Complicated” or “Separated/Divorced”.

Along the way, you may also lose your job, shut down your business, or get near the golden years of your life.

Other than these (or because of these), your financial status change as well. These big life changes will most likely need adjustments on your finances.

Here are some of the most life-changing events that may happen to you sooner or later and are reasons for you to re-align and reboot your investment strategies.

1) You are going to be a father or a mother.

That’s because you will need to consider certain variables such as medications and supplements, medical consultations for mother and child, delivery of your baby, healthcare, crib, diapers, food, nanny services, among others.

In my case, we had to leave the country in order to earn more than what we could back home.

According to iMoney Philippines, in this day and age, raising a child, in the best environment, can cost as much as P500,000 a year. The average income Filipinos will, of course, have to adjust accordingly.

It’s best that you re-calculate your regular investing amount and make sure you add your child and spouse in your list of financial goals.

2) You lost your job or you just want to find a new one.

Anyone’s employment situation will surely change anytime. Everyone should be ready, especially our OFW’s who are living on per contract job stints.

Your investing schedule will definitely need an overhaul should become unemployed. While looking for a new job, make sure to live way below than what you used to.

Also, do not invest your severance pay/end-of-service benefits in high-risk placements such as the stock market. Keep these as part of your emergency cash instead.

Once you found a new lease of life in another company, you may then go back to your normal investing schedule.

Whatever your financial goals are, you should determine whether your previous long term goals have now become medium-term or short-term goals.


3) Your kids have grown up and you are now alone.

Time will come when your children finally grow into young adults. He or she will go to college and find their dream jobs or settle down on their own.

This may bring smiles on your face but don’t get too confident. You should remember that these are usually the struggling years of a young adult.

You may allow your kids to work while studying but this will never be enough. You may need to take out loans or use up your emergency fund if there are expenses not covered by your investments intended for his or her tuition fees alone.

But always remember, never ever touch the money which is intended for use by you or your spouse during your retirement years just to pay up for your growing child’s school needs.

You can instead help them out find other ways to address these. But not from your retirement fund.

4) You now belong to the S-Gen or the Sandwich Generation.

You may be one of the many Filipinos supporting your aging parents or even your grannies while also taking care of your own children.

If you are currently in this situation, then you are now a lucky member of the Sandwich Generation Club. This is a very crucial time to build more emergency fund. This is a time when cash is really king.

If your aging parents have bank and investment accounts, it’s best that you discuss about these with your other siblings and agree on what to do with these while they are still healthy.

If they have properties under their names, it is now the right time to find out who their estate planner is.  

5) You are nearing your golden years.

Your long term goals may have started to close in. Now is also the right time to for you to have some fine-tuning of your investment strategies.

There should be no more close monitoring of the stock prices or currency rates. You may need to slow down and protect yourself from the volatility of the markets and go instead for lesser-risk investment vehicles such as balanced funds or other fixed income instruments.

You may also need to check on the possible benefits that you can get from your insurance packages and SSS or GSIS pension plans.

While keeping track of your money, do not forget that you should also enjoy the rewards of preparing earlier in your life so that you can have the best retirement years possible.

Know more about rebooting your investing strategies and keeping track of your finances by subscribing to Rock To Riches.


Rock your way to abundance!


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.

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 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. Order your copy now from our website and have it delivered right at your doorstep. Or you can grab your copy yourself at The Pantry at 07 in Makati City and ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email for more details.

P.S. 5. Buy insurance products online! Visit the very first online insurance store in the Philippines: the AXA iON! Purchase your alternative savings plan, educational plan for your children, medical emergency plan, and your life insurance by clicking HERE.

Skiddoo Philippines Inc

5 Money To-Do’s For Newly-Married Couples

Believe it or not, there are still a lot of couples who got married in June this year. Many of them are still on their honeymoon bliss while the rest are starting to realize and are beginning to ask themselves what in the world did they enter into. It’s just not so like a single’s kinda life. 😀

So for those who just got hitched whether extravagantly or frugally, I’m pretty sure most of you are very excited for your new baby to arrive. You just could not explain the immense joy, hope, and love that new gift from heaven would bring to your new life. Continue reading 5 Money To-Do’s For Newly-Married Couples

Skiddoo Philippines Inc

What’s Your Starting Point? (On Being Ready and Prepared for the Future)

As a young professional, the first paycheck that we earn is very special to us. It opens up a new world, the world of spending. We often see the money that we earn as asset that we could just spend, the ability to finally buy things for ourselves. It often leads us to becoming careless on our spending.

Why do we have this mentality? Because in school we were thought to think in terms of science, history, ethics, math, don’t get me wrong, all these thing are great and important in honing us as individuals, but do these subjects actually prepare us for the real world? Does it prepare us for taxes? Does it teach us to budget, save and prioritize? Continue reading What’s Your Starting Point? (On Being Ready and Prepared for the Future)

Skiddoo Philippines Inc

I’m Hosting The TRC Global Filipino Webinar for OFWs and Fil-Migrants

I will be hosting the first ever exclusive webinar series for the Truly Rich Club members called the TRC Global Filipino Webinar. It’s a series of webinars that aims to address the topics that migrants and OFWs face which are not adequately addressed in the TRC newsletters.

Bro. Bo Sanchez believes that OFWs and migrants have unique problems and TRC can help them more through this one-hour monthly webinar program. There will be one guest per webisode coming from the OFW and migrants sector to help clarify issues that they experience and encounter on a regular basis.

But since this is exclusive to TRC International members only, non-TRC members will not be able to attend this online event. If you want to join this webinar, you may join the Truly Rich Club-International first.

Alternatively, you may sign up and attend my Enter Entrepreneurship webinars designed for OFWs who really want to be serious in starting or improving the bottomline figures of their businesses. Details are on the last part of this article.

Here’s the TRC Global Filipino Webinar invitation by Bro. Bo Sanchez to TRC International members: Continue reading I’m Hosting The TRC Global Filipino Webinar for OFWs and Fil-Migrants

Skiddoo Philippines Inc

Angat Kabataan! The APC’s Youth Summer Camp 2015

When I read in an American news website that the the US kids do not get enough financial education in school, my heart broke. Not for the American kids but for the Filipino youth.

If the Americans find it very unfortunate that the majority of their students do not receive even a basic financial foundation, what more about our Filipino youngsters?

In the US, some 15 to 20 states require high school students to take a personal finance or economics course as a requirement for graduation. In the Philippines, only a handful of private schools offer mandatory subjects tackling entrepreneurship, cooperative management, banking basics, etc. Continue reading Angat Kabataan! The APC’s Youth Summer Camp 2015

Skiddoo Philippines Inc

My New Year Message To AngatPH Volunteers (and blog Readers)


My fellow volunteers:

This coming New Year we will all continue to face challenges. Some are continuing ones and some maybe new. But there is one thing that all of us must remember, the challenges that we all face today and will face in the coming months, are not unique to each of us individually; they are truly common to all of us and are just presented in different shades and packages.

These challenges at times may appear to overwhelm us and make us feel that we are fighting a losing battle. There may be times that we feel that our will is being tested. But despite of all that, we always take comfort that we have our FAITH; we always believe that we can all rise and one day, be victorious because we choose to walk with our Lord Jesus Christ each in every day and night.

In Psalm 1:3, those who delight and follow the law of the Lord were described as “…like trees planted by streams of water, which yield their fruit in its season and their leaves do not wither. In all that they do, they prosper.”

As we continue to seek God for His Word and follow his commands, like the trees described in the book of Psalms, we will all grow stronger and prosper with everything that we do. And to all us who continue to dare to dream big and aspire for success, let us not shy away from these challenges. Instead, let us embrace them, and believe that at God’s own choosing, the sacrifices that we use to water our trees will yield the fruit in each and every season, and we will celebrate and share our victory with all our loved ones.

Let us also remember that there are bigger things than our collective personal interests. Let us continue to make APCFL our own personal mission, to love others. Let God be our witness to teach others become abundant and grateful people of His Kingdom. Let us continue to serve our country and our countrymen. Not Yolanda or a Ruby or any aggressor will stop us from serving the people who need us most.

I am praying for every one of you and your loved ones and that we may all become wise and truly rich in every area of our lives this coming year.

God Bless you all. Thank you.

Burn Gutierrez

Skiddoo Philippines Inc

The Adventures of Pepot Kuripot and Dora Gastadora

I have always been a big fan of our good friend Pol Medina, Jr. and his “baby” Polgas, the anthrophomorphic dog of the Sungcal family of the very popular comic strip Pugad Baboy.

Aside from finding out if my articles submitted to Youngblood were already published, reading the weekly Pugad Baboy was one of my main reasons for having the Philippine Daily Inquirer newspaper every Sunday back in the 90’s. I would cut out the comic strips from Inquirer and paste them on an old and unused photo album as one of my favorite weekend hobbies.

Then Pol Medina, Jr. launched his “very best of Pugad Baboy” and the very first compilation book of his comic strips published on Inquirer.  I had to save money just so I could buy Pol’s book by then.

Good thing one of my cousins is a big fan of Pugad Baboy as well and I didn’t have to buy the succeeding editions of Pugad Baboy collections. Nanghihiram na lang ako. 😛 Continue reading The Adventures of Pepot Kuripot and Dora Gastadora

Skiddoo Philippines Inc

Putting Service at the Center of Being a Call Center Agent

I never had a full time work as call center agent but I have been involved in a BPO (business process outsourcing) sector for several years. My wife was also a call center agent and a customer service executive for the most part of her short but meaningful professional life.

In both occasions, we have learned the importance of knowing how to serve your customer best.

Being a call center agent means being the voice behind a company. As such, all call center agents should have a strong commitment to providing topnotch customer service. Continue reading Putting Service at the Center of Being a Call Center Agent

Skiddoo Philippines Inc

Educating Our Financial Freedom Defenders (Financial Readiness Initiatives)

When we conducted the F.I.T. (Financial Intelligence Training) for our Philippine Air Force soldiers, we had in mind the importance of championing the financial literacy cause to the key persons of this organization. We believe that educating our troops on a one-day sit-class is not enough. The effort and the project should be continuous.

Our fellow financial literacy advocate and Air Force rescue helicopter pilot, Maj. Badong Dee, thought of presenting this project to the Board of Directors of the Philippine Air Force’ Airmen Club.

On May 8, 2014, it’s the turn of Fitz Gerard Villafuerte (Ready To Be Rich) and Joey Tayaban (Truly Rich Club) to convince the PAF Airmen’s Club Board of Directors.  The Airmen’s Club is the umbrella organization of all Enlisted Personnel. The mission is for the club to initiate and ask for the need of financial literacy for the Philippine Air Force troops. The proposed program is dubbed as Financial Readiness Initiatives. Continue reading Educating Our Financial Freedom Defenders (Financial Readiness Initiatives)