Top 10 Money Tips for OFWs on Christmas Vacation

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

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.

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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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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!

5 Simple Things To Do To Feed Your Mind Every Day of This Year

Starting the year right means feeding your mind with positive memories and pushing out the bad ones.

It does not need to be complicated. All you need to do is to apply the “negative out, positive in” approach to your daily mind diet.

That’s right. I’m been reading Tim Sanders’ “Today We Are Rich”.

In this book, Tim believes that possessing a confident outlook makes one perform at the highest level. It says that if you believe in yourself, the people you rely on, and God, you will be able to do what you once thought was impossible.

TimSanders

Here are five things that we suggest that you do from morning until evening from this day and beyond.

1. Exercise your gratitude muscle. You can not change feelings but you can change your daily habits to strengthen your sense of gratitude. Every morning when you wake up, get out of your bed slowly and give your waking mind time to adjust. Be thankful for every great morning and for all the simple yet great things you have right now.

2. Read good books or publications. Do not immediately go online or check your email or Facebook notifications on the first hour you are awake. Read books or high-quality magazines instead with inspirational of instructional materials. Of course, study them and think purposefully about the meaning of what you are reading.

3. Review what is going right and the positive things to accomplish before the end of the day. Have a 5 to 10 minute positive-thinking time after your lunch hour. If you are near a church or a chapel, visit and meditate for 10 minutes. That means just letting your mind clear of stress and negative thoughts.

4. Eliminate network television when you get home from business or work. Do not automatically switch on your TV. Doing this will just undo your day’s mind food management efforts. Try to listen to good and quiet instrumental music instead before taking your dinner. Play with your child. Have a good conversation with your wife about the good things you experienced during the day. Nothing beats quality time with your family and loved ones.

5. Pray and reflect about giving before going to bed. Think about giving something to someone the next day without expecting in return. Think about giving something that will empower someone and this will in turn give more confidence in yourself. If you give others enough power, you will influence them to go beyond material possession. This will allow to transform themselves from just being recipients to being givers as well.

When you give and expect a return on your investment, you are an investor. When you give and expect to be famous, then you are a self-promoter. But when you give only for the love of giving, you are a generous person. Be an instrument of generosity.

A Very Happy and Abundant New Year!

 

Follow my posts this year by subscribing 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 before Christmas 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!

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.

DSC_0031

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.

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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. 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 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. Order your copy now from our website http://pepotanddora.com 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 des_feliciano@yahoo.com for more details.
PepotCover1

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.

For Love or Money – A Documentary from Tondo Slums

Back in the late 80’s, we left Caloocan City and looked for other places to live in. That’s when we experienced living near the slums of Tondo.

Life was hard for us but life was harder for the people living around us. They had no food. No money to buy medicine. No new clothes to wear. No jobs. Many are hopeless.

Decades later, Tondo seems to have never changed. Some of them are sincerely industrious but one thing has not progressed. They still bear the poverty mindset.

Screen Shot 2015-09-20 at 1.11.14 PM
Screengrab from Al Jazeera’s “The Slum” documentary

Are we to blame the government only? The media? Or the Church? Aren’t we all responsible for these?

Watch this video and reflect.

Will you still be part of this problem? Or will you be a solution?

Be an Angat Pilipinas volunteer. Join us in our missions for the poor by subscribing to BurnGutierrez.Com.

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. 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 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. Order your copy now from our website http://pepotanddora.com 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 des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 5. If you are based abroad or just outside of Metro Manila and has been itching to learn more on how to jumpstart your business dreams, join me and my friend, serial entrepreneur Ginger Arboleda, as we take you through a series 2-hour webinars (for 11 Saturdays) that will help you focus on the technical skills and specific things that you have always wanted to know about in order to grow your business. We have come up with 10 sessions with 11 expert lecturers (with 1 FREE session if you enroll in the full program) that will make you a stronger and better entrepreneur. Register here to join the Enter Entrepreneurship Webinar Program now!

P.S. 6. Learn How To Make Money From Foreclosed Properties! We are on our 3rd run of the Usapang Foreclosed Property Investing with Jay Castillo of ForeclosurePhilippines.com! Happening on September 26, 2015 at the SMX Aura, Bonifacio Global City. Click here to register and avail the early bird promo!

P.S. 7. 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.

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.

But knowing the financial impact of having a baby could be really burdensome, planning for this early in your marriage should also be on top of your immediate concerns. Being a new parent is not about chillin’ and relaxin’ like it was before you tied the knot. You have to consider the high costs of having an adorable baby and raising a beautiful child.

These 5 money strategies should help you get started.

1) Re-examine your budget. A couple of months ago, your paycheck went to your daily allowances, expenses at home with your siblings and parents, and probably weekend dates with your (ex) fiancé/fiancée. Well, time’s up. You have to retool your budgeting sheet and include your wife and future child in your list.

Review your expenses and see that you weed out those unnecessary ones for the meantime (or permanently) such as gimiks, expensive dinners, and vices like cigarette-smoking and too much drinking.

Use that freed up cash as savings for upcoming expenses for your future baby.

And don’t forget to pay all your debts you both incurred individually and jointly prior to the wedding. Make use of your cash wedding gifts to address the unpaid bills and ‘forgotten’ friends.

 

2) Invest for your future child’s college education. You must be wondering how the prices of baby diapers and formula milk and even milk bottles have gone up so crazy in the last few years. What more if we talk about the college education of your future baby?

Save at least a portion of your monthly salary in an educational plan or invest it directly in a mutual fund as early as now.

While many will think that it is too early to consider that for your budgeting, always remember that the earlier you prepare the earlier you will achieve your goals. And you can have even more.

 

3) Buy a health and life insurance. Starting a family means you will not be thinking about yourself only any longer. You have your partner in life.

And soon you will be having another young man or woman who will ask you how much you love them. One way of showing this love to your future children and your better half is by getting health and life insurance.

The premiums may be a “expensive” for your current budget but an in force or actively in good standing insurance policy can replace your income and the needs of your loved ones will still be taken cared of should you get sick or you pass away. But pray that it won’t happen too soon.

You just got married, ano ba?!

Stranger's love

4) Have a weekly money talk with your spouse. Discuss about money issues and concerns regularly with your spouse. Making this as a habit with your better half is a sure-fire way to keep everything open and transparent between the two of you.

If you have money problems, don’t keep them to yourself. Talk it out with your spouse and seek her “advise” and practical suggestions. Asking your spouse for some sound advise and support will even strengthen your marriage. This should also avoid disagreements and misunderstandings in the future.

You should also be talking about your individual priorities and financial goals. If your goals complement with each other (like buying a house, preparing for retirement, etc.), agree with each other on how to achieve those goals together.

If financial goals don’t match, check which ones you can just let go and work out the rest with your spouse.

 

5) Increase your income but increase your time for each other as well. Preparing and accomplishing the first 4 strategies mentioned may not be a walk in the park for many newly-married couples. Especially if you have parents and siblings who rely on you financially prior to your marriage.

While dealing with this kind of situation may be very difficult for newly-married couples, the best thing to do is to find ways to increase the cash flow. Some of the best suggestions to increase your income can be found here.

But regardless of your financial situation, for richer or poorer, you as husband and wife should not only think about increasing your income. Finding creative ways to be together joyfully on a daily basis is the ultimate key to a successful marriage.

Sabi nga ng Eraserheads sa kanilang awiting Toyang,

Mahal ko si Toyang
Pagkat siya’y simple lamang
Kahit namomroblema
Basta’t kami ay magkasama.
Madalas man kaming walang pera
Makita lang ang kislap ng kanyang mga mata
Ako ay busog na
At nakatambay kami sa Tandang Sora.

But don’t be satisfied by being a Toyang or by being Toyang’s husband forever. You need to look back, review, act on these 5 money strategies mentioned in this article for you to have a happier new life as couples and future parents.

May #forever kung susundin mo ang mga ito. 😉

 

Receive more money tips for married couples by subscribing to Rock To Riches for FREE.

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. 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. Order your copy now from our website http://pepotanddora.com 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 des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 4. If you are based abroad or just outside of Metro Manila and has been itching to learn more on how to jumpstart your business dreams, join me and my friend, serial entrepreneur Ginger Arboleda, as we take you through a series 2-hour webinars (for 11 Saturdays) that will help you focus on the technical skills and specific things that you have always wanted to know about in order to grow your business. We have come up with 10 sessions with 11 expert lecturers (with 1 FREE session if you enroll in the full program) that will make you a stronger and better entrepreneur. Register here to join the Enter Entrepreneurship Webinar Program now!

P.S. 5. Learn How To Make Money From Foreclosed Properties! We are on our 3rd run of the Usapang Foreclosed Property Investing with Jay Castillo of ForeclosurePhilippines.com! Happening on September 26, 2015 at the SMX Aura, Bonifacio Global City. Click here to register and avail the early bird promo!

P.S. 6. 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.

—–
Photo credit: Pablo Fernandez

The Play’s the Thing: How Fun Can Make Your Child a Better Student

If you have been following my blog for sometime, you may notice that I have been advocating homeschooling as one of the best methods in planting knowledge in children.

My wife serves as our child’s “school adviser” and lead teacher and I, the “other subjects” teacher in homeschooling our daughter. I prefer it that way. 😀

My wife teaches our child the main subjects such English and Filipino Languages (Reading and Writing), Mathematics, Science, etc. while I am in charge in teaching about Values/Religion, Music, Physical Education, and other “extra-curricular” subjects. But we both work together in teaching our child about setting goals.

But what struck me recently is this infographic sent to me by a friend from the US. We don’t have to be boring and authoritarian in our teaching ways. Fun and play should always be part of the lesson plan. Continue reading The Play’s the Thing: How Fun Can Make Your Child a Better Student

How To Be Happy in Business, Missions, and Relationships

It’s been a very busy two weeks for me, my family, and my organization Angat Pilipinas Coalition for Financial Literacy. That’s why it took me some time (two weeks) to write another article.

My wife and child are both quite enjoying our vacation in our newly-constructed home in Lipa City. As you know, the new house we’ve built is sitting on a paradisiacal and quiet village of nature farms and retirement homes of celebrities and political personalities. Once you sat on the porch, it’s hypnotically relaxing. As if it would be fine to be late for your work or appointment.

The only letdown is the weak internet signal which is really disappointing for someone like me who make a living online and depend on it 24/7. God is definitely sending me a positive message on why I have to surrender my internet life for now. Continue reading How To Be Happy in Business, Missions, and Relationships

How To Become The Fourth Magi

Today is the 12th and the last day of Christmas for most Christians, especially from the Roman Catholic, Orthodox, and other mega-churches like the Lutheran, Methodist, Anglican churches, among others. It’s a Christmas feast called the Epiphany which celebrates the revelation of God the Son as a human being in Jesus Christ.

We are all familiar about these three wise men in the traditional names of Melchor, Gaspar, and Balthazar who brought gifts to baby Jesus some 2,000 years ago. They may not bear those names in reality but this has captured the hearts of many Christians, children and adults alike. These are the “Three Kings” from the East who brought gold, myrrh, and frankincense. It is commonly accepted that they are the ones and their “giving” that are being celebrated today.

But it’s very interesting to note that a legendary writer Henry van Dyke wrote a story about “The Fourth Wise Man”. The story revolves around Artaban, a magi is the fourth wise man who desired to follow the star to the birthplace of the coming King, and was supposed to join the three other wise men, but misses the caravan because of too many “obstructions” along the way. Continue reading How To Become The Fourth Magi