Tag Archives: fallacies

Mga Kuwentong Barya sa Kasaysayan (Part 2)

June 23, 2014Invest, Share, Spendardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, chooks to go, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, elements residences, episode 3, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, june 12, june 12 1898, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

Handa ka na ba para sa iba pang kuwentong barya mula sa kasaysayan? Narito ang ikalawang bahagi ng serye!

Nang Magising si Juan Episode 6 Sneak Peek

June 21, 2014Invest, News, Planardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, chooks to go, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, elements residences, episode 3, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, june 12, june 12 1898, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

In last Sunday’s episode of Nang Magising si Juan, Ariel’s rich aunt Tita Hellen went to a branch of the Land Bank of the Philippines to look at loan options for an agribusiness venture that she wants to consider. Even if Tita Hellen has a millions of pesos saved up from being a caregiver for many years, it does not mean that she will want to put all her money into her business.

On Sunday, June 22 again at 8am, Ariel will be considering the Networking Business with his friends Brod Pete and Long Mejia. But, the three are looking into their options with crooked minds. Of course, there will be hilarious ideas that you will all enjoy listening to. Will you be able to identify what is good and what is bad in the activities that they are thinking of?

Catch Nang Magising si Juan every Sunday, 8:00 am, at GMA News TV!

Pisobilities: Kapiso Mo, T-say Alonzo Episode 1

June 19, 2014Plan, Save, Spendardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, chooks to go, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, elements residences, episode 3, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, june 12, june 12 1898, kapiso mo, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, t-say alonzo, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

A few days ago, the prices of many commodities increased. Very notable is the price hike in jeepneys. Currently, the normal fare stands at P8.50, and around P6.80 for students and senior citizens.

While inflation cannot be stopped, one can plan for it! Check out one of our videos from the series, “Kapiso Mo, T-say Alonzo” that will help you explain the nitty-gritty about inflation!

Want to check out more videos from Colayco Foundation? Visit www.pisobilities.tv today!

Mga Kuwentong Barya sa Kasaysayan (Part 1)

June 16, 2014Invest, Share, Spendardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, chooks to go, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, elements residences, episode 3, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, june 12, june 12 1898, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

Ang buwan ng Hunyo ay ang Buwan ng Kalayaan. Pero gaano ba talaga natin alam ang ating kasaysayan? Kilala na ba talaga natin ang ating mga bayani, lalo na sa kanilang buhay-pera? Ano ba ang sinasabi ng mga ito tungkol sa ating kasalukuyang kalagayan?

Mula Hunyo 3 hanggang Hunyo 12, nagpalabas kami ng serye ng mga “kuwento” sa kasaysayan na may kinalaman sa pera. Karamihan sa mga ito ay hindi nakikita sa mga libro ng kasaysayan. Narito ang unang bahagi ng mga imaheng lumabas:

Nang Magising Si Juan Episode 5 Sneak Peek

June 14, 2014News, Shareardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, chooks to go, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, elements residences, episode 3, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

Last week, you met Ariel’s rich aunt, Tita Becky. Tita Becky was once a professional care giver in the US. While still working, she regularly saved a fixed amount for herself. Now that she’s retired, she is “back for good” and wants to invest her P18 MILLION RETIREMENT MONEY on something worthwhile! Ariel tries to use her Tita Becky for some extra income for himself.

This week, Ariel will present his “business proposal” idea to his Tita Becky, along with Mr. Colayco and Mr. Bengco. He hopes that his “marvelous and innovative” plan will be acceptable to his Tita Becky and also provide financial assistance to him. Will he succeed?

Also, Ariel will accompany his Tita Becky in availing Landbank’s Bagong Bayani Program. Along the way, Ariel will meet a cooperative who benefited from Landbank’s Business Loan Program. How did this group made use of this loan? What important entrepreneurial principles did they do to make their plans work? And how are they doing now?

There’s so much more than meets the eye! Catch Nang Magising si Juan this Sunday, 8 am, on GMA News TV!

“Nang Magising si Juan” Episode 4

June 7, 2014Newsardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, chooks to go, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, elements residences, episode 3, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

Last Sunday, Ariel gave you a deeper glimpse of his life. His job as a script-writer for Feeling Close with FJC is only on a part-time basis. He is happily employed at PLDT, but he is struggling with a huge debt. Not to mention, he keeps on borrowing from PLDT’s coop to continuously fund his extravagant lifestyle. He would borrow his 13^th month pay very early every year. He explains that he would rather be sad for two months (November and December) and be happy for ten months (January to October). Deeply concerned with Ariel’s situation, the boss finally called Francisco J. Colayco and his Colayco Foundation team to take Ariel unto their wings and aid him in his quest towards financial literacy and independence!

This week, Ariel will be introducing his Tita Becky, his aunt who worked as a professional caregiver in the US for many years. Tita Becky is convinced that Ariel is rich and successful because he made her believe he is. Now, Tita Becky is “back for good,” bringing with her a good amount of retirement money. How will Ariel be able to pull it off? Will he succeed in hiding his “real condition from her?” And how will Tita Becky be able to use her retirement money

Watch it to find out! Catch Nang Magising si Juan this Sunday, 8 am, on GMA News TV!

Nang Magising si Juan would like to thank its partners: Landbank, Chooks to Go, Mang Inasal, One Wealthy Nation, and many more!

NMSJ Episode 3 Sneak Peak

May 31, 2014News, Plan, Shareardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, chooks to go, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, elements residences, episode 3, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

Noong Linggo, sa ikalawang episode ng Nang Magising si Juan (NMSJ), sinusubukang intindihin ni Ariel, ang bida ng programa, kung ano ba talaga ang kalayaang pinansiyal. Ngunit mali ang kanyang pananaw na ang pinakamainam na paraang para lumaya sa kakapusan ay ang umasa sa ibang tao na susuporta sa kanya. Binubuhay niya ang kanyang sarili sa ganoong paraan; sinasamantala ang kabutihang-loob ng ibang tao para bigyan siya ng pera. Nakipag-date pa nga siya sa isang maganda at edukadong babae nang dala-dala ang ganitong intensiyon. Siyempre, iniwan siya agad ng babae. Hindi mo rin ba gagawin ito kung ikaw ang nasa kanyang kalagayan?

Sa ikatlong episode sa Hunyo 1, makikipag-date si Ariel sa isa pang babae at magkakaroon ng marami pang usapan kasama si Brod Pete na inutangan niya. Nagpupunyagi si Ariel sa pera, at nagiging mas malinaw ito nang dinala ni Ariel ang kanyang “crew” sa PLDT, kung saan talaga siya nagtatrabaho. Ang kanyang trabaho sa katuwaang programang “Feeling Close ni FJC” ay part-time lamang. Nakapanayam ang kanyang tunay na boss at magbibigay siya ng mas marami pang detalye tungkol kay Ariel bilang isang taong may maling kaisipan tungkol sa pera. Matatapos ang episode sa pagdedesisyon ng Colayco Foundation for Education na kunin si Ariel para gabayan at kung paano ninais ng sansinukuban na mangyari iyon.

Manood ng Nang Magising si Juan tuwing Linggo, 8:00 am, sa GMA News TV.

Dapat Gawin Kung Hindi Kayang I-Maintain ang Biniling Condo

May 26, 2014Invest, Plan, Saveardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

ni: Francisco J. Colayco

unang lumabas sa Bulgar noong ika-11 ng Mayo, 2013

SA katunayan, huling down payment ko na po ito. Ang kasunduan kasi ay babayaran namin ang down payment nang hulugan sa loob ng isang taon. Makukumpleto na namin ang ika-12 na bayad sa ika-20 ng Mayo. Regular kaming nakakapagbayad. Ayaw ko kasing masira ang pangalan ko sa developer at sa bangko.

Naliwanagan nga po ako sa mga ibinigay ninyong mga tanong. Sa kasalukuyan po kasi wala kaming rentang binabayaran dahil ibinigay lang po sa amin ng aking mga magulang ang apartment unit na tinitirahan namin. Pangalawa po, libre po ang pag-aaral ng mga bata dahil doon sila mag-aaral sa public school system. Gagabayan ko po ang mga anak ko sa mga assignment at project nila. Pangatlo po, hindi ko na kailangan pang gumastos ng malaki sa transpo dahil napakalapit ng bahay namin sa trabaho ko. Naisip ko na mas maraming benepisyo ang manatili kami sa aming kasalukuyang tirahan kaysa lumipat sa isang lugar kung saan hindi ko naman alam kung anong magiging buhay namin.

Naisip ko rin po na mas malaking sugal kung itutuloy ko ang bahay na hulugan. Mas maigi na mawalan ako ng Php180,000 ngayon, kaysa naman magbayad nang mas malaki sa loob ng ilang taong paghuhulog. Mas malaki ang malulugi sa amin kapag tinuloy ang pagbili niyon. Hindi naman po kami nagsisisihan ng asawa ko dahil naisip namin na maaari pa rin naming kitain ang nawalang Php180,000. Iipunin na lang namin ang aming pera at ilalagak sa mga investment instrument. Kumbaga po, gagawa kami ng sarili naming “Land Fund” para makabili kami ng lupa na pagtatayuan ng apartment.

Nagpapasalamat po ako ulit sa inyong mga tanong.

Naliwanagan po ako nang husto.

May gusto rin po akong ibahagi. Sinunod ko po ang payo ninyo na maging maisip sa mga ginagastos. May nahanap po akong magandang app na tinatawag na Expense Manager. Sa tulong nito, madaling bantayan ang pagpasok at paglabas ng pera. Natuklasan ko na hindi talaga ako maluho. Kaso nga lang, mahilig talaga akong mag-taxi kaya malaki rin ang gastos ko sa transportasyon.

Ito ang sagot ko sa ikalawang email:

Salamat sa pagbibigay liwanag sa aming mga tanong. Naiintindihan namin na ayaw mong masira ang reputasyon mo pagdating sa utang. Magandang hangarin ito. At siyempre naman, kikitain niyo uli ang Php 180,000. Pero baka may mga legal na hakbang na puwede ninyong gawin upang hindi masira ang inyong pangalan dahil lamang sa hindi niyo itutuloy ang pagbili ng unit. Tandaan na isa kang ahente.

Pinapayo namin na basahin niyong nang maigi ang dokumentong pinirmahan ninyo. Baka puwede ninyong ibenta ang unit sa isang bagong buyer na siyang magbabayad ng natitirang balanse. Posible pa kayong kumita (kung halimbawa tumaas ang halaga ng bahay at lupa) dahil mababawi ninyo ang down payment sa pamamagitan ng isang bigayan (lump sum) o installments sa loob ng panahong mapagkakasunduan ninyo ng bagong buyer.

Maraming salamat sa pagbabahagi ng app na matatagpuan sa: http://download.cnet.com/Expenses-Manager/3000-2066_4-10977372.html

Natutuwa kaming nakatutulong sa iyo ang app. Gusto ko lang ipaalala na itinuturing pa ring luho ang pagsakay sa taxi, maliban na lamang kung walang ibang transportasyon na magagamit o kaya ay bumubuhos ang ulan at mababasa ka.

“Nang Magising si Juan” Episode 2 Trailer

May 24, 2014Invest, Save, Share, Spendardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, condo, condominium, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, real estate, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

ni: Francisco J. Colayco

Noong Linggo, pinalabas na namin an gaming pinakabagong programa sa telebisyon, ang Nang Magising si Juan. Nakatanggap kami ng napakaraming positibong puna tungkol sa programa, mula sa mga tagasunod namin sa Facebook. Masayang-masaya akong naintindihan ng mga manonood kung tungkol sa ano ang programa: isang tawag na gumigising para umaksyon.

Sa unang episode, nakita niyo ang kalagayan ni Ariel pagkatapos ng kanyang kasikatan. Lubog siya sa utang, ngunit itinatanggi niya ang kanyang kalagayan. Ipinapakita niya ang sarili bilang magarbo ngunit nagiging “wais.” Isa siyang “script-writer” para sa aking programang, “Feeling Close with FJC.” Sa isa sa mga usapan namin, sinabi ko sa kanyang itanong niya itong simpleng tanong kapag gigising siya tuwing umaga: “Magkano ka ngayon?” Mula rito, nagsimula ang kanyang pakikipagsapalran patungo sa pinansiyal na kaalaman at kalayaan.

Ang episode noong Linggo ay simula pa lamang. Marami pang ipapakita sa mga sumusunod na episode, kung saan susubukang gawin ni Ariel ang lahat ng mga aral at payong matatanggap niya mula sa akin at sa iba pang miyembro ng Colayco Foundation team (nang may nakakatuwang kinahihinatnan, siyempre).

Ipapalabas ang ikalawang episode ng Nang Magising si Juan bukas, ika-25 ng Mayo. Panoorin niyo ito para tingnan kung ano ang iyong dapat abangan:

Manood ng Nang Magising si Juan tuwing Linggo, 8:00 am, sa GMA News TV!

Warning sa Gustong Pag-Aralin ang GF!

May 21, 2014Invest, Plan, Saveardy roberto, ariel villasanta, Armand bengco, asset allocation, bagong taon, bo sanchez, budget, bulgar, bureau of fire protection, business portal, business trends, Cash loans philippines, chinkee tan, cosmo cash, david pilling, diversification, diversify, easy money, economic conditions, estate planning, even priests have to save, fallacies, financial scams, financial times, fire management tips, fire prevention month, forex, francis kong, Francisco colayco, gnn, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, illustrado, international women's month, investment opportunities, investments as tools, Investments philippines, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, march, mommie elvie @ 18, mommie elvie's problematic show, Mutual funds philippines, nang magising si juan, nelson mandela, new year 2014, of, Paano kumita ng pera, personal finance, philippine economy, pisobilities, registered financial planner, registered financial planners, retirement, robert kiyosaki, rules of investing, scam info, stock market, the misadventures of, the misadventures of maverick and ariel, think rich pinoy, truly rich club, warren buffetadmin

by: Francisco J. Colayco

unang lumabas noong ika-4 ng Mayo, 2013 sa Bulgar

GUSTO kong pag-aralin sa kolehiyo ang girlfriend ko pero wala kaming sapat na pera. Mayroon po ba kayong alam na mapagkukunan ng pera para mabayaran ang tuition sa kolehiyo? Saan kaya puwedeng umutang para sa edukasyon. Mayroon bang nagpapautang nang ganoon?

Bago pa man ang lahat, kailangan mong maunawaan na gaano man kalalim ang pagmamahalan ninyo ngayon, ang relasyon ninyong dalawa ay hindi pa nakataga sa bato. Nariyan ang posibilidad na hindi kayo magkatuluyan. Sa kasamaang palad, maaaring magwakas ang relasyon ng isang tao sa kahit kanino. Naghihiwalay ang mga mag-asawa, nag-aaway ang mga magkapatid, minsan itinatakwil ng mga magulang ang kanilang anak, at iba pa. Pero sa mga relasyon na iyon, nanatili pa rin ang ugnayan bilang magkadugo at magkapamilya; sa kaso ng naghiwalay na mag-asawa, naiiwan ang ugnayang legal. Pero sa kaso niyong dalawa ng “girlfriend” mo, wala kayong matibay na panghahawakang sa isa’t isa.

Kung naghahanap ka ng loan para sa edukasyon ng gilfriend mo, posibleng wala kang sapat na pera. Kaya siguro, mas mainam na ituon mo ang iyong atensyon sa mga pinansiyal na hangarin para sa iyong sariling personal na buhay. Kung angkop ang edukasyon ng iyong girlfriend sa iyong mga personal na hangarin, saka mo pagdesisyunan kung handa kang tustusan ang pag-aaral ng girlfriend mo bagama’t mulat ka na may panganib itong kaakibat.

Malaking obligasyon ang magpaaral sa kolehiyo. Nariyan ang panganib na hindi niya ipagpatuloy ang pag-aaral o kaya ay bumagsak siya. Pero, kung sakaling hindi niya matapos ang pag-aaral, hindi naman masasabing sayang lang ang lahat dahil posibleng may natutunan pa rin siya. Ang hamon sa kanya ay masigurong magagamit niya ang mga natutunan (kahit na maaring kaunti lamang ito) sa kanyang buhay, lalo na sa kanyang kakayahang kumita ng pera. Dahil sa bandang huli, kaya siya nag-aral ng kolehiyo upang magkaroon siya ng pagkakataong kumita nang mas malaki.

Karaniwang may mga scholarship na tumutulong sa pag-aaral. Siyempre, kailangan ng matataas na grado sa High School at kailangan ring pumasa sa mga mahihirap na college entrance exam. Tapos na ang mga ganitong exam para sa parating na Taong Pang-akademiko. Isinagawa ang ganoong mga exam noong mga nakaraang buwan at limitado ang mga scholarship. Malamang, kahit na may scholarship, kailangan pa rin ng karagdagang pera para matustusan lahat ng gastos sa kolehiyo.

Kung mayroon kang pera para sa buong kurso (2 o 4 na taon) at kailangan mong umutang ng halagang kaya mong bayaraan agad, maaari kang lumapit sa Social Security o subukang bumisita sa www.lenddo.com.ph.

Posible rin namang kumuha ang girlfriend mo ng maiksing kurso tungkol sa kanyang mga interes. May mga maiksing kurso na mas mura at makatulong sa kanyang makakuha agad ng trabaho.

Ang aking bagong libro, “Easy Money Para sa Kababaihan” ay nakasulat sa Tagalog. Madali lang itong basahin at nagkakahalaga lang ng Php95. Baka gusto mong regaluhan nito ang iyong girlfriend. Tinitiyak kong marami siya ritong matututunan. Pumunta sa National Bookstore at sa ibang bookstore, o bumisita sa aming webste www.colaycofoundation.com.

Matuto at simulan ang iyong pakikipagsapalaran tungo sa yaman! Bisitahin ang www.onewealthynation.com para sa karagdagang detalye.