Category Archives: Share

G.Y.M. Seminar: Collective Investing

Taking advantage of the muscle instead of doing your own hustle is essense of collective investing. By pooling of resources, one gets and should get benefits that one will not get if one stands or invests alone. BAKAS is a common term and action among Filipinos similar to BAYANIHAN. In personal investing; BAKAS or BAYANIHAN or pooling; collective investing is almost but a must.

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Learn similarities and differences and what is right for you among

  • Mutual funds

  • UITFs

  • Insurance-linked investments via VULs and others.

  1. Investing Basics & Rules

  2. Collective Investing: What, Why & How

  3. Types of Collective Investing: Which One(s) For You?

    • Mutual Funds

    • Unit Investment Trust Funds

    • Insurance-Linked VULs

    • Others i.e. coops?

  4. Investment Strategies

  5. Where to Invest?

Mutual Funds

Unit Investment Trust Funds

Insurance-Linked VULs

Others i.e. coops

Join us this September 19, 2015, Saturday, 9am to 12nn or 2pm to 5pm!

LEARNING FEE: PhP 4,000.00

For more information please call:

 Ms. Gilda Bumatay

(+63) 917-863-2131

(02) 6373741 or 31

or Email us at: training@colaycofoundation.com

 

Pera Mo Palaguin Seminar on Aug. 15, 2015

Pera Mo Palaguin Mo Seminar on August 15, 2015 ay gaganapin sa aurumOne hotel, Makati. Ito Ang iyong gabay sa legal at tamang pamamaraan ng pagpapalago ng pera.

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Wag Mag pahuli! Magparehistro na! Tumawag lamang sa  637.3741 o magtext sa 0917.863.2131.

Para sa karagdagang impormasyon tumungo lamang sa www.colaycofinancialeducatiom.com

See you there!

 

 

Pera Mo Palaguin Mo! Public-service Radio Program

Makinig, Magtanong at Matutong magpalago! sa DZXL558-Pera Mo Palaguin Mo

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Pera Mo, Palaguin Mo! Radio Public-service program is hosted by Francisco J. Colayco and co- hosted by Mr. Armand Bengco. The show is an hour long learning program that focuses on the 5 fianancial activities of an individual(earning, planning, saving, investing, spending).

Pera Mo Palaguin Mo! airs every Monday 11:00am – 12:00nn in Radio Mindanao Network’s DZXL558.

Watch Via Livestream

Like Us on Facebook

 

 

 

Hounded by Credit Card Collection

by: Francisco J. Colayco

*first appeared on Good News Pilipinas on December 2, 2013

Many are now preparing for Christmas and it scares me how many people are so deep in credit card debt. The narration of the story of JP is already something that I am sure many of our readers will want to pay attention to.

There are so many like JP who come to ask for advice. JP thought I was a lawyer and gave many details that it will take two articles just to cover her story. I removed the names of the banks and the people she named. My advice will already be in Part 3.

“Have read your article on the internet, CREDIT CARD DEBT which was published last July 22, 2008. I would like to seek an assistance po sana sa inyo, same as others I’m also a credit card defaulter. Honestly speaking I have 11 credit cards now out of 11, 3 cards are now on AMNESTY PROGRAM but remaining are over due and now under the COLLECTION AGENCIES.

Bacause I’m the breadwinner and my husband is unemployed for about 1 yr and a half, gipit na gipit po kami financially kaya di po ako nakakapag-settle ng mga CREDIT CARD AND LOAN OBLIGATIONS ko. As I have signed a contract/promissory note for 3 AMNESTY PROGRAMS, natatakot po ako na makasuhan kasi di ko po na-meet ung monthly dues na dapat bayaran dahil sa insufficient funds though nakakapagsettle naman po ako kahit papano para at least eh maging updated yung mga accounts ko at makita ng banks na I’m willing to pay my obligations un nga lang eh di ko na-meet ung dapat because of short funds.

Other cards that I have po are the following:

  1. ABC Bank (2 credit cards), I’m afraid po kasi as per agent before these were already cancelled and they will file legal case against me kasi di ko po nabayaran yung dues ko. Although, nag-offer po sila sakin before ng RESTRUCTURING PROGRAM eh di ko naman po kayang bayaran ung minimum dues na pinapasettle sakin dahil sa kakulangan po sa pera. (Ako po kasi ang gumagastos sa lahat sa bahay, and I have a 6month old baby kaya kulang po talaga ang 4,000-5,000 (range) na sahod ko 15th and 30th).
  2. DEF Bank (credit card and pre-approved loan), as per their DEF Bank Manager pag di ko po sya na-settle (minimum dues 7,000) until tomorrow eh they will file a case against me. Based po sa conversation namin over the phone, I will try po my best na makakuha ng funds pero about 40% lang kasi di ko naman po sure kung makakakuha talaga ako pero he’s not accepting my answer dapat daw eh 100% makakuha ako kundi eh i-note nya na i-abandoned ko na ung account ko na grounds for legal case. He will call me tomorrow for updates and he will not accept any excuses.
  3. GHI Bank (credit card) – now under JKL Collection Agency and as per text need to pay minimum dues in order for my account to qualify in the RESTRUCTURING PROGRAM. Gusto ko po i-grab ung program un lang po eh wala po akong pera sa ngayon dahil kulang po itong sinsahod ko para sa pamilya ko.
  4. MNO (credit card and loan), now credit card is under COLLECTION DEPT while loan is under PQR LAW OFFICE though pinapabayaran lamang po ung minimum dues out of total dues eh di ko po kasi kayang bayaran sa ngayon (2,000card+2000loan) dahil nga po sa kakulangan sa pera at for endorsement na po ito sa legal meaning they will demand po ung full amount (loan).
  5. STU Bank still active po pero di pa po ako nakakabayad ng minimum dues dahil din po sa kakulangan sa pera.
  6. VWX BANK – with outstanding but not yet under collection dept.
  7. YZA loan – under BCD Collection Agency and need to update my account.

Sana naman po eh matulungan nyo po ako sa problems ko both in credit cards and loans dahil sobrang hirap na hirap na po ako mentally, physically and morally. Everyday they (collection agents) are calling me and asking for receipt of payment eh wala naman po akong magawa kasi ang totoo po eh wala po akong pera sa ngayon at di ko po kayang magbayad ng utang. Some agents naman po eh okay at courteous kausap pero some po eh talagang nag-threathen sakin. Nagsasabi na I’m not professional, na napakinabangan ko daw ung pera pero di ako marunong mgabayad, na nananakot na may personal visit sa office at sa bahay at Lawyer na lang ang kakausapin ko at di na BANK mismo. 7months na po akong natatakot, di makatulog ng maayos, may takot sa dibdib at para po bang and tingin sa sarili ay sobrang baba na dahil sa mga naranasan ko.

Hopefully po eh mabigyan nyo ko ng advise kung ano po ang dapat kong gawin.

Maraming salamat po, at naway ma-receive ko po ang response nyo soonest.

Want to know the answer? Click here to find out

How to Find Your Passion

by: Francisco J. Colayco

*First published in Good News Pilipinas on August 5, 2013

You might recall my advice to people choosing the best business for them. One main factor is the need for “passion” for the kind of business they choose. As time passes, I begin to see more and more how his word “passion” can be misinterpreted or misunderstood.

Let’s look at this further by understanding some ways you can follow in determining your passion. Remember that you are looking at your passion that can be your business.

You can ask yourself the following questions. You will surely have a long list and you will not know everything in one sitting. It will take days, even weeks and months. Keep a diary. Take notes and review what you have written each time you add an entry. Maybe, you will cross out some items as you come to know yourself more each time.

  1. What is it that you really love to do and seem to be good at it? Let’s take the example of cooking. Let’s say you love to cook and are happy doing it. People say the food you cook really looks and tastes good. So let’s say you think that cooking is your passion.
  2. If you in succeed doing it, will you be so proud of yourself? In the case of cooking, each time you are able to make a special dish you are particularly proud of yourself. You practice so often so as not to make any mistake. Your self-pride increases as you continue your love for cooking. Still good for the example that cooking is your passion.
  3. If you do something the complete opposite, will it destroy your self-pride and cause you strong embarrassment? Still in the case of cooking, when you prepare a dish that is really bad, do you say it is because you are not practicing enough? Or is it really embarrassing because your level of expertise clearly is far too low from where it should be? If your standard for excellence is low that you are willing to accept major lapses in your skill, then perhaps, cooking in this example, is not your passion.

Want to know more? Read the rest of the article by clicking here

Wealth-filled Messages from the “Pera Mo, Palaguin Mo” Workshop

by: Francisco J. Colayco

Last Saturday, the Colayco Foundation team and I held a “Pera Mo, Palaguin Mo” Workshop to almost 100 people at the Development Academy of the Philippines Building in Pasig City. I was astounded with the number of people in attendance. Even if it was a Saturday, they took the opportunity to start taking charge of their personal finance. It was an exhausting day for us. Nevertheless, it was fulfilling for us to see so many people learning and enjoying from the workshop.

After the event, we received some personal messages from our participants. I would like to share some of their thoughts with you.

Here are other letters from our participants:

It always makes us happy to be able to ignite a spark of change in our participant’s lives. I always said that becoming wealthy is an obligation to everyone. If you are wealthy, you will not just be able to help yourself better. You will be able to contribute more to your family, community, and country.

I hope you will join us in our financial seminars. For the schedule of our upcoming seminars, please visit www.colaycofoundation.com!

Pinoy or Pinay: Sinong Mas Matinik Pagdating sa Pera?

Sa ating lipunan, marami nang tunggalian kung sino ang mas magaling pagdating sa isang partikular na bagay. Kasama na rito ang halos walang-sawang pagtutunggali sa pagitan ng babae at lalaki. Mula pag-ibig hanggang pagtatrabaho, hindi pa rin matigil kung sino sa dalawa ang mas magaling.

Pero paano naman kaya kung pera ang pag-uusapan? Sino kaya sa dalawa ang mas wais/matinik sa pag-aalaga at pagpapayaman ng pera?

Gumawa kami ng pag-aaral tungkol dito, at ito ang nakita naming resulta:

Ikaw, ano sa tingin mo?

Gusto mo bang pagplanuhan ang iyong buhay-pinansiyal? Sali na sa “Pera Mo, Palaguin Mo Workshop” sa Agosto 30. Tawag na sa 637-3731/41 o mag-text sa 09178632131.

 

Pisobilities @ the Business Portal: Social Entrepreneurship

Interested to get into social entrepreneurship? Catch this episode from Pisobilities @ the Business Portal on what it takes to be a social entrepreneur!

Want to watch more quality videos? Visit www.pisobilities.tv today!

Financial Fitness Quiz

Are you the “Boss” of your money? Or do you tend to slip when it comes to personal finances?

In case your boss decides to fire you, will you be rattling on how to find another source of income? Or have you prepared for it just in case?

Are you working hard for your money? Or is your money working HARDER for you?

Discover your financial health today! Take the Colayco Foundation’s Financial Fitness Quiz to find out. Click the picture below to start taking the quiz!

Pisobilities: Kapiso Mo, T-say Alonzo Episode 2 (Needs and Wants)

by: Francisco J. Colayco

People often complain that they do not have enough money to save because of numerous expenses. Most of the time, however, it all boils down to knowing if what you’re spending for is a need or a want. Is most of your money going to your needs? Or is it going to your wants? And given that fact, what are you doing about it?

Here’s an interesting episode from our mini-series, “Kapiso Mo: T-say Alonzo” regarding Needs vs Wants!

 

Want to give yourself an upgrade on your personal finances? Through One Wealthy Nation (OWN), you CAN! Visit www.onewealthynation.com today.