Retiring Without Money Seems Fun in the Philippines

It is not uncommon to meet people in the Philippines who shell out more money on unnecessary expenses and things that they don’t own before as they earn more money and become more successful. The same pattern goes to most of our dear OFW’s and their dependents back home.

When the salary increases, the spending increases as well.

I think most Filipinos find this culture fun and fulfilling. Leaving them without anything to save for their emergency fund and retirement. Continue reading Retiring Without Money Seems Fun in the Philippines

We Don’t Die. We Just Change Addresses

I was just about to read the blog post of Bro. Bo Sanchez this morning entitled “How To Start Living In Heaven Now” when I saw an email notification from kumare and former colleague Claire with the subject “Ruth”.

Ruth is a good friend and a former colleague as well in a Japanese company I used to work for. Both Claire and Ruth worked as Accounting professionals under me.

Claire’s email message was straightforward. Ruth succumbed to a 4th stage ovarian cancer.
I remember sending Ruth a Christmas email early December 2012 but did not get a return email greeting. I assumed she just filed a month long leave of absence as she used to do. Continue reading We Don’t Die. We Just Change Addresses

Be An Investor Or Be A Loser

2012 is gone and done. Some of you may have earned a million and many a thousand bucks from your salary and bonuses from the past year. It’s something that you should truly be proud of.

Your hardwork paid off. Hats off to you!

But I have one question: Where is your million (thousand) bucks now?

It’s January 12, 2o13 and I hope you already made up your mind (and wallet) on where to put that hard-earned ‘2012’ cash of yours.  Continue reading Be An Investor Or Be A Loser