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OFW’s, Protect Your Money This Christmas Season

Quite a number of OFW’s are starting their homecoming (vacation) at this time. Most of them are staying up until Christmas or New Year’s Day. This is also the period and season when OFW’s are the main “target market” of scammers.

So how will an OFW be able to spot a financial scam such as pyramiding and avoid being the next victim while enjoying his or her vacation with loved ones?

Here are a few quick points to remember to protect you, your family, and your money during the Holidays: Continue reading OFW’s, Protect Your Money This Christmas Season

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Protect Yourself From Identity Theft [Online] (Part 2)

In my previous post, Protect Yourself From Identity Theft (Part 1), we talked about the dangers of exposing your personal details on Facebook such your ID screenshots, passports, licenses, etc.

We also mentioned about the dangers in using credit cards in commercial establishments and I gave the Barnes and Noble credit card fraud incident in the US as an example.

And then we illustrated how a blogger’s account was copied and contents such as photos even with watermarks were stolen by an online thief.

With just those three classic examples of identity theft scenarios, we should remember that social media profiles and personal experience blogs are like public records of your personal information. Even if you decide to delete them later on, someone else must have already stolen what you posted before. Nightmares, huh?

Let’s now see what are the basic measures we can do to protect our identities online. Continue reading Protect Yourself From Identity Theft [Online] (Part 2)

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Why I Advocate Stock Market Investing for OFW’s

Investing in the stock market has always been perceived generally as “only for the rich” or “only for the intellectuals”. These are false notions. But who’s to be blamed for this?

Most of our college professors who taught business, finance or accounting NEVER taught us (or insisted) that anybody who saves money regularly can actually invest in various financial instruments in the Philippines. We were raised up hearing the line, “Mag-impok sa bangko” (Save money in the bank). We were taught to SAVE but not to INVEST. Don’t tell me that I was absent in classes. Continue reading Why I Advocate Stock Market Investing for OFW’s

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Im Tirtzo, Ein so Ha’agadah (If You Will It, It Is No Legend)

The eager-for-knowledge OFW UsapangPiso-Israel group has just wrapped up its first financial planning seminar series yesterday, November 13, 2012 in Protea Retirement Village, Tel Mond, Israel conducted by the energetic personal finance guru, Randell Tiongson. (The first one was held in Tel Aviv last November 10, 2012)

The group’s coordinator, Charma de Villa, attested to the gratefulness of the attendees of the seminar for the opportunity and the life-changing experience of taking the first step towards financial independence: Learning. Continue reading Im Tirtzo, Ein so Ha’agadah (If You Will It, It Is No Legend)

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ArtisteConnect – Crowdfunding for Filipino Artists and Creative Projects

The Philippines is a small country with vast resources of untapped talents and people with almost boundless creative capabilities. Unfortunately, a handful of these individuals or groups are either incapable of funding their own projects, films, albums, books, social causes, and artworks or they just could not find a trusted venue to expose their works.

Struggling Filipino artists, bands, musicians, writers, filmmakers, and organizations have a lot of reasons to be grateful for the creation of ArtisteConnect.Com%

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Protect Yourself From Identity Theft (Part 1)

Being in the auditing and fraud investigating professions for sometime, I feel I have the responsibility to share what I have learned from this experience so that more people will be educated on best practices for fraud and identity theft detection and prevention.

It pays to be informed.

Facebook Creepers

Just this afternoon, a Facebook friend posted her Professional Regulatory Commission ID Card complete with all juicy information such as her full name, profession, birth date, registration number, and the expiry date of her license. Continue reading Protect Yourself From Identity Theft (Part 1)

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So Close,Yet So Far Away – Free Personal Finance Seminar for OFW’s in Israel

Our personal finance guru, Randell Tiongson will be conducting a free simple financial planning seminar for our OFWs based in Israel.  Most of the invited attendees are members of our OFW UsapangPiso Forum based in Haifa and Tel Aviv.

As compared to our previous personal finance seminar in Singapore, which is actually several thousand miles away from where I am, this one is a little bit more challenging. In case you don’t know, telecommunication between Saudi Arabia and Israel is totally forbidden, even if they are just neighboring countries.

So close, yet so far away. Continue reading So Close,Yet So Far Away – Free Personal Finance Seminar for OFW’s in Israel

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OFW’s Must Invest in Retail Bonds

First, let us determine what bonds really are.

Bonds are a kind of “utang” (loan) by an investor from another individual or entity. It is classified as “fixed” because there is a specified interest rate and a specified maturity date or settlement period.

For example, I will borrow from you a principal amount of Php100 and i promise to pay you after 1 year with a fixed interest of 5%. Which means I will be returning to you an amount of Php105 at the promised (maturity) date after 1 year. Continue reading OFW’s Must Invest in Retail Bonds

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Know The Secrets in Making More Money Online! Join the WebCamp – Internet Business Super Conference 2012

You can start to earn or grow your business online by learning how to do it in most effective ways.

My online friend Heinz Bulos and his group Learning Curve will be holding an internet business super conference called WebCamp 2012 on November 28, 2012.

Times are a-changing, as Bob Dylan would sing. Soon, the days of harsh commuting around the Metro will be gone for those who seek to finally just work at home in front of their computer screens. A lot of people are starting to make a lot of “active” money on the Internet. From a decade back, individual netrepreneurs on eBay, Sulit, and Multiply have earned more by selling toys, accessories, or clothes. More bloggers are quitting their day jobs to start earning more online. Continue reading Know The Secrets in Making More Money Online! Join the WebCamp – Internet Business Super Conference 2012