Tag Archives: bo sanchez

Paano Mag-Invest Nang Ligtas sa Mutual Funds

August 19, 2014Invest, Plan, Saveare mutual funds safe, Armand bengco, balanced fund, best mutual fund philippines, bo sanchez, bulgar, business portal, business trends, Cash loans philippines, diversification, easy money, equity fund, fixed-income fund, Francisco colayco, gusto kong yumaman, how much to retire with, how to be rich, how to grow money, How to invest in stock market philippines, invest with P5000, investing, investing philippines, investment, investment opportunities, Investments philippines, klase ng mutual funds, ligtas ba sa mutual funds, Make money philippines, mga risko sa mutual fund, Mutual funds philippines, Paano kumita ng pera, paano mag-invest, paano yumaman, personal finance, pifa, pisobilities, retirement, risks in mutual funds, savings, shares, stock market, truly rich club, types of mutual fundsadmin

ni: Francisco J. Colayco

unang lumabas sa Bulgar noong ika-30 ng Hunyo, 2010

HINDI garantisado ang tubo sa mutual funds. Sa katunayan, puwede pa ngang bumaba ang halaga ng investment mo. Pero kung susundin mo ang ilang simpleng patakaran, napakaliit ng tsansa na matalo ka. Tandaan na sa Mutual Funds, hindi ka kumikita o nawawalan ng pera hangga’t hindi mo binebenta ang shares mo.

Mahalagang maunawaan na puwede mong ibenta ang iyong shares anumang oras at tiyak na may bibili nito. Sa ibang uri ng investment, puwedeng maging mahirap ang paghahanap ng buyer lalo na tuwing panahon ng emergency.

Ang pangunahing patakaran ay ang mga sumusunod:

1.) Piliin lamang ang mga pinagkatitiwalaan at kilalang mutual funds. May inaalagaang reputasyon ang mga kilalang kumpanya at napakalayong mangyari na ipapaubaya nila ang kanilang mutual fund sa mga fund manager na hindi mahuhusay. Pero siyempre, kahit ang mga kilalang pangalan ay puwede pa ring magkamali. Kung kaya puwede pa ring protektahan ang sarili sa pamamagitan ng mga sumusunod na patakaran.

2.) Pumili sa mga pangunahing uri ng mutual funds: Equity Fund, Bond Fund, Balanced Fund. Piliin kung alin ang angkop sa iyong personal na planong pinansiyal (kailangang may malinaw kang plano bago mo man lang isiping mag-invest). Sa bawat uring nabanggit, ang mga fund na may mas mataas na paglago sa mga nagdaang taon ay may mas mataas na tsansang maging matagumpay pati sa hinaharap.

3.) Ikalat ang iyong panganib. Huwag ilagay lahat ng savings sa mutual funds. Hinihikayat ko kayo na i-invest na lang ang mga halagang gagastusin sana sa mga bagay na walang halaga. Sa halagang Php 35.00 kada araw, makakaipon ka ng Php 1,000.00 sa isang buwan. Kung sumali sa isang Equity Mutual Fund na karaniwang lumalago nang 15% kada taon, ang Php 1,000.00 kada buwan (na dagdag sa Php 5,000.00 na panimulang hulog sa mutual fund) ay magiging Php 238,000.00 sa loob ng 10 taon. Pero sa loob ng 120 buwan na ito, ang inilabas mo lang na pera ay Php 125,000.00. Sa loob ng 20 taon, ang pera mo ay magiging Php 1,409,000.00 kahit na Php 245,000.00 lang ang inilabas mo.

Kung ang panimulang requirement na Php 5,000.00 ay ang kabuuan ng lahat ng inyong savings, mag-isip nang mabuti bago mag-invest. Kung sa susunod na 3-5 taon ay wala naman kayong mahigpit na pangangailangan para sa savings, puwede n’yo nang subukan ang investing. Kung may biglang pangangailangan at mapipilitan kang ibenta ang iyong shares, may posibilidad na malugi ka nang kaunti pero maliit lang ang posibilidad na maubos ang iyong investment.

4.) Magtalaga ng target para sa sarili mo. Sabihin na nating gusto mong kumita ng 20% sa loob ng isang taon. Kapag naabot mo na ito, ibenta mo na ang ilang bahagi ng iyong shares upang makuha mo ang tubo, pero huwag mo na galawin ang original na halaga ng iyong investment. Kung piliin mong huwag magbenta, pwedeng bumaba lang ang iyong average return on investment.

Should you Own Your Home Before You Have Kids?

August 11, 2014Plan, Spendaffording your dream house, Armand bengco, bo sanchez, business trends, buying a house, buying your dream home, buying your home, Cash loans philippines, chinkee tan, earning for your dream home, easy money, Francisco colayco, getting married, good news pilipinas, grow money, gusto kong yumaman, home before kids, home loan, how to grow money, How to invest in stock market philippines, Investments philippines, Make money philippines, Mutual funds philippines, Paano kumita ng pera, pagbili ng bahay, personal finance, pisobilities, real estate, truly rich club, wealth of adviceadmin

by: Francisco J. Colayco

*First published in Good News Pilipinas on Sept. 23, 2013

You could be one of a growing number of Filipinos who believe that owning your own home is first and foremost. This is especially true when you get married or when you are starting a family. Family planning is now practiced by so many. Because of the more difficult economic conditions, having a career or a business may even come before having a family. Before that, of course for the great majority, education is the most important goal.

Or you could be a traditional Filipino who will want to start a family as early as possible. After all, having a child is a wonderful experience and most Filipinos still value the family as its most important wealth. During my time, when life was a lot simpler, we didn’t even think of family planning. Getting married at an earlier age was more normal than it is today. It seemed then that it was automatic to get married, have children and in the process of it all, save for your own home.

But this article is about whether it is true that you should own your own home first before having a baby. There is no rule here. You really need to make a personal family budget forecast. You need to understand that having children increases your expenses. Giving birth, feeding and sending them to school can be really a heavy drain on the budget. Therefore, if having your own home is a major goal and you cannot afford to make that investment at the same time as having children, you need to make a good choice.

Want to read more? Click here!

Financial Fitness Quiz

August 4, 2014Plan, Shareactive income, ardy roberto, are you ready to invest, are you ready to retire, Armand bengco, bo sanchez, business, can you invest, cfe, colayco foundation, colayco foundation for education, easy money, efren cruz, entrepreneurship, financial fitness quiz, financial freedom, financial health, financial planning, financially unhealthy, fjc, francis kong, Francisco colayco, francisco j colayco, gusto kong yumaman, handa ka bang mag-invest, how financially fit are you, how to be rich, income source, investing, investments, magaling ka ba sa pera, making your money work, money, palaguin mo, passive income, patok na business, patok na negosyo, pera, pera mo, philippine investments, pisobilities, plan your future, randell tiongson, registered financial planner, rfp, savingsadmin

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!

Simplified Analysis of Your Business Break Even

July 23, 2014Plan, Spendanalyzing a business, ardy roberto, Armand bengco, becoming an entrepreneur, big businesses, bo sanchez, bread-even, business, business analysis, chinkee tan, cost of sales, definition of break-even, determining break-even price, entering a business, entrepreneurship, financial independence, fixed costs, francis kong, francisco j colayco, good news pilipinas, how to get into business, john calub, money magnet, murang negosyo, negosyo, negosyong puwedeng pasukin, paano magbenta, paano magkaroon ng negosyo, pagsusuri ng negosyo, pasok sa negosyo, patok na investment, patok na negosyo, pisobilities, profit and loss statement, profitable business, registered financial planner, rfp, selling, sikat na negosyo, smart business, variable expense, wealth of adviceadmin

by: Francisco J. Colayco

It may be that readers may be less interested in the analysis of a business. However, I’d like to address those who might want to learn for a business they now have or for their planning of a future business.

Break-even in business means how much you need to sell (i.e., how many units of products you need to sell at a given unit price) so that you will be able to sustain your business. Break-even does not mean you are losing money but it also does not mean that you are making money. If your sales are below your break-even, you will be incurring losses and if it is higher, your will be making money.

For big businesses, there will be finance people who can do all the required analysis. However, for a small business, the owner will have to do the analysis himself and it may not be so easy for those who do not really have experience. I will try to help you to compute break-even. You do not have to think in a complicated way. You can just use the simplest forms possible.

1. You need a “Profit and Loss Statement” or P&L of your Business preferably per month. This means you have to calculate your Sales, the Cost of Sales and Expenses for every month.

2. The “Cost of Sales” or CS is what you spend to make the product that you sell. If you are just trading or in “buy and sell” like sari-sari stores, your CS is the amount that you pay for the products you sell.

3. For your Expenses, you need to separate into Fixed and Variable expenses. The variable expenses are those that are directly related to the product when you make a sale. For those in trading, your variable expenses are your CS and maybe commissions you may pay depending on how much you sell. If you are a service business, you may not even have variable expense.

4. Fixed Costs are expenses you will spend whether you sell anything or not. Examples are rent, utilities, telephone, salaries and benefits. Notice that these are expenses that do not change much when there are small changes in sales. You will spend these amounts whether you sell or not. Of course, if your sales increase very much, you will probably have to add people and spend more fixed costs. But let’s just assume that these are fixed costs for our break-even analysis.

5. The basis for determining your break-even sales is your sales price per unit of your product (e.g. per kg, or per piece or per hour, etc, etc).

Want to read more? Click here for the rest of the article!

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

July 16, 2014Plan, 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, chink +, 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, inaasam ng mga gustong yumaman, international women's month, investment opportunities, investments as tools, Investments philippines, jojo alejar, june 12, june 12 1898, kahalagahan ng pera para sa mayaman at mahirap, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, medyo late night show with jojo a., 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

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.

Upside and Downsides of Credit Cards

July 14, 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, chink +, 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, inaasam ng mga gustong yumaman, international women's month, investment opportunities, investments as tools, Investments philippines, jojo alejar, june 12, june 12 1898, kahalagahan ng pera para sa mayaman at mahirap, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, medyo late night show with jojo a., 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

It’s Monday again! Credit cards has its ups and downs. What are the bad practices related to credit cards? And how do you properly use them? Check out Ms. Guita Gopalan, Managing Director of the Colayco Foundation, as she answered these questions in the segment, “Wise Spending Wednesday” on Solar Daybreak:

Want to start taking charge of your financial life? Attend our Pisobilities: Wealth Within Your Reach seminar. For the schedules, click here!

Kagandahan ng Mutual Funds sa Pagpapalago ng Pera

July 10, 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, chink +, 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, jojo alejar, june 12, june 12 1898, kahalagahan ng pera para sa mayaman at mahirap, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, medyo late night show with jojo a., 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-18 ng Hunyo, 2011

Tunghayan ang mga tanong ni P:

Gusto ko lang pong magtanong tungkol sa mutual funds. May isang kilalang American advisor na hindi inirerekomenda ang mutual funds sa mga seryosong investor. Pero mukhang alam na alam po ninyo ang ikinaganda ng mutual funds, kaya gusto ko pong itanong sa inyo ang mga sumusunod:

1.) Ano ang ikinaganda ng mutual funds kung ikukumpara sa ibang investments?

2.) Ano po ang opinyon ninyo sa American advisor na hindi nagrerekomenda ng mutual funds para sa mga seryosong investor? Sabi niya, para lang daw iyon sa mga investor na walang karanasan at kulang sa kaalaman.

3.) Sinasabing mas ligtas ang mutual funds kumpara sa mga stock investment. Pero ano naman po ang “catch” o kapalit ng pagiging ligtas nito?

Ang ating sagot:

Napakaraming pagpipilian na investments. Maganda ang marami sa mga ito. Pero ang mahalaga ay matukoy mo kung ano ang angkop para sa iyo. Hindi sapat ang maikling sagot para matugunan ang iyong tanong tungkol sa kagandahan ng mutual funds kumpara sa ibang investment options.

Ito ang pangunahing reklamo sa mutual funds ng American advisor na iyon: Hindi raw hamak na mas kikita pa ang mga marurunong na investor kung IPUNIN na lang nila ang 1-2% na management fee na kinokolekta ng mutual funds. Sa ekonomiya ng U.S., ang maliit na porsiyentong ito ay maaaring maging katumbas na ng 25-30% ng tubo ng equities market. Tandaan na mas matanda at sopistikado ang merkado sa U.S. Hindi angkop para sa atin ang kanyang payo dahil karamihan sa ating mga indibidwal na investor ay walang sapat na kakayahan na makamit ang diversification upang bawasan ang panganib ng DIREKTANG pag-i-invest sa stock market. Kung walang sapat na diversification, napakamapanganib ng pag-i-invest!

Isa pa, kaunting-kaunting investors na nagtatrabaho bilang empleyado o may aktibong propesyon ang may oras upang bantayan nang husto ang merkado. Kauting-kaunti lang ang may kakayahan na makakuha ng napapanahong research tungkol sa ekonomiya, ang capital markets, pati na rin ang long term trends. Napakaimportante sa investing ng tama at napapanahong impormasyon.

Marami na akong nasulat na libro at sinadya kong talakayin lamang ang mga basic na impormasyon tungkol sa investments. Ang aking adbokasiya ay turuan ang mga regular na Pilipinong income-earner kung paano humawak ng pera at magpalago ng yaman sa pinakasimpleng paraan na angkop sa kontekstong Pilipino. Para sa karaniwang income-earner na gustong palaguin ang kanyang maliit na ipon, ang pag-iinvest sa pooled fund – na gaya ng mutual fund – lang talaga ang tanging paraan.

Ang mga sopistikadong investor ay puwedeng mas maalam pa sila kaysa sa akin o kaya ay may kakayahan silang piliin ang mga mas komplikadong investment. Pero isang bagay ang tiyak: Kailangan ng mga sopistikadong investor na makatanggap ng de-kalidad na research work upang masiguro at mapanatili ang kanilang tagumpay.

Lagi tayong bukas sa mga katanungan at sasagutin ko kayo sa abot ng aking makakaya.

Mutual fund at Unit Investment Trust Fund: MGA PUWEDENG PAGLAGAKAN NG MALIIT NA PUHUNAN

July 8, 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, chink +, 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, jojo alejar, june 12, june 12 1898, kahalagahan ng pera para sa mayaman at mahirap, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, medyo late night show with jojo a., 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

by: Francisco J. Colayco

*Unang lumabas sa Bulgar noong ika-6 ng Agosto, 2009

Sir, puwede ho ba na i-explain n’yo ang differences between uitf at mutual fund? Saka anu-ano bang companies under mutual fund ang maire-recommend n’yo na puwedeng pagpilian na subok na? At paano ang proseso nito gaya nang minimum amount na puwedeng i-place? Paano kami mag-a-apply at paano kikita ‘yung pera namin?

Ang sagot ko:

May dalawang taon nang nakaraan nang ipinaliwanag ko ang Mutual Fund (MF) at Unit Investment Trust Fund (UITF) dito sa Bulgar. Bumaba, umakyat, bumaba muli, akyat-baba at ngayon tumataas na naman ang halaga nang mga ito.

Ang MF at UITF ay mga kumpanyang nagbebenta ng kanilang mga parte or shares sa mga namumuhunan. Ang perang napagbentahan ng mga ito ay ipinambibili muli ng piling-piling mga seguridad, stocks at iba pang ari-arian ng mga fund manager o tagapamahala ng pondong may sapat na karanasan sa pamumuhunan. Binibigyan ng mga MF at UITF ang mga maliliit na namumuhunan ng pagkakataon na mailagak ang pera nila sa mga negosyong nagbibigay ng mas malaking tubo o ‘di kaya interes. Sa ganitong paraan, napadadali para sa mga kaunti lang ang kapital na mamuhunan sa mga merkadong pinansiyal, sa mas maraming uri ng negosyo imbes na sa iilan lang.

Halimbawa, kung P5,000 lang ang kapital at ikaw mismo ang mamimili sa stock market, malamang ay kakaunting parte o shares lang ng isang kumpanya ang mabibili mo. Pero kung sa MF o UITF ilalagak ang pera, maikakalat ito sa maraming kumpanyang pinamumuhunanan ng MF o UITF. Ito ay naisasagawa dahil ang iyong limang libong piso ay nakaangkas sa malaking pondo na bumubuo ng MF o UITF.

Ang ganitong magandang kombinasyon ng maraming pinamumuhunanan, na tinatawag na diversified portfolio, ay isang epektibong paraan para mabawasan ang panganib ng pagkalugi. Parang inilalagay ang mga itlog sa maraming basket imbes na sa iisa. ‘Yun nga lang, dapat ingatan ang pagpili ng MF o UITF na paglalagakan ng pera. Siguraduhing maayos ang pagpapalakad nito, dahil hindi pa rin garantisadong mababawi ang kapital sa ganitong klaseng pamumuhunan.

Sali na sa aming Investability: Mutual Fund seminars. Para sa schedule ng mga seminars, mag-click lang dito!

Ano ang Inaasam ng Mga Gustong Yumaman?

July 6, 2014Invest, 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, chink +, 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, inaasam ng mga gustong yumaman, international women's month, investment opportunities, investments as tools, Investments philippines, jojo alejar, june 12, june 12 1898, kahalagahan ng pera para sa mayaman at mahirap, kuwentong barya, larry gamboa, lenddo, loans, madiba, Make money philippines, mana, mang inasal, march, medyo late night show with jojo a., 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

by: Francisco J. Colayco

unang lumabas sa Bulgar noong Hunyo 1, 2013

TINUTURO natin na palaguin mo ang yaman mo para magkaroon ka ng sapat na pera upang tustusan ang pinili mong pamumuhay kahit hindi ka na nagtatrabaho. Hindi ko sinasabing huwag kang magtrabaho. Sa tingin ko, kailangang magtrabaho ang bawat isa hangga’t maaari basta hindi nakasasama sa sarili. Pero ito ang pangunahing mensahe: Kapag mayaman ka, may kakayahan kang mamili kung magtatrabaho ka o hindi. Tandaan rin ang kasabihan: “Ang pinakamayamang tao ay hindi iyong may pinakamaraming pag-aaari, bagkus, pinakamayaman ang taong pinakakaunti ang pangangailangan.”

Magdadala ba ng kalungkutan ang kawalan ng pera? OO ang malinaw na sagot. Kung wala kang sapat na pera para man lang sa mga basikong pangangailangan, malamang mag-aalala ka sa bawat minuto ng iyong buhay. Pero hindi ito nangangahulugang hindi ka maaaring maging masaya kung mahirap ka. Kailangan mo lang itapat ang iyong pamumuhay ayon sa iyong kakayahan. Gaano man kaliit ang iyong yaman, makakahanap ka ng kaligayahan sa pagbabahagi ng iyong oras at talento sa mga taong magpapahalaga sa mga iyon. Sa bandang huli, ang pagbabahagi ang sikreto ng kaligayahan.

Magdadala ba ng kaligyahan ang limpak-limpak na pera? HINDI ang malinaw na sagot. Tatalakayin natin ito sa ibang artikulo.

Maaari kang mangarap na magkaroon ng maraming pera dahil kapag nangangarap tayo, pinapaniwalaan natin ang gusto nating paniwalaan. Maraming mga taong gustong yumaman ang nangangarap ng mga magagandang bagay na dulot ng maraming pera. Ito ang ilang mga pangarap na walang katotohanan:

Magdadala ang pera ng mga kaibigan. Sa katunayan, mas mahirap makahanap ng tunay na kaibigan kapag napakarami mong pera. Minamahal ka ng mga tunay mong kaibigan dahil sa iyong pagkatao at hindi dahil sa benepisyo na makukuha nila mula sa iyong kayamanan. Mahirap kilatisin ang mga taong makakasalamuha mo kung tapat ba ang hangarin nila sa iyo. Maliban na lamang siguro sa mga malapit mong kaibigan na naging kaibigan mo bago ka pa man yumaman, o iyong mga kaibigan mo na kasing yaman mo. Sa kasamaang palad, ang ilan sa mga yumayaman ay nakakalimot sa kanilang mga tunay na kaibigan. Nagiging mas malapit sila sa mga taong mahilig sumipsip para makakuha ng pakinabang at pabor.

Magdadala ang pera ng tunay na pag-ibig. Sa katunayan, mas mahirap para sa isang mayamang tao na alamin kung tunay ang isang pag-ibig. Karaniwang mababaw at walang tiwala sa sarili ang mga taong naghahanap ng mayamang katuwang sa buhay. Ang katangian na dapat makita sa katuwang sa buhay ay katalinuhan, tiwala sa sarili, at masayahing disposisyon na kayang magpagaan ng buhay. Kung nasa iyo ang mga katangiang iyon, at mayaman ka pa, napakahusay na kombinasyn! Pero kung hindi, ano ang gagawin mo?

Bigyang edukasyon ang sarili sa lahat ng aspekto ng buhay. Patuloy na palaguin ang iyong ipon para magkaroon ng sapat na pera upang makapagretiro ka habang napapanatili ang pamumuhay na makakapagpasaya sa iyo. Naniniwala akong ang balanseng halaga ng yaman ang pinakamainam. Tiyakin na may mahusay kang personal na pinansiyal na plano na nakalkula mo at napag-isipan nang maigi. Bumisita sa Financial Tools na matatagpuan sa www.franciscocolayco.com.

“Nang Magising si Juan” Episode 8 Sneak Peek

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Like many Filipinos, Ariel does not think much about his financial future. In fact, he has no knowledge at all about investments. Unfortunately, he wanted to impress his childhood Vanessa, who aside from being so attractive had become quite accomplished and knows so much about investments. Ariel is not able to keep up with their conversation and even falls asleep as Vanessa tried to teach her. Ariel wants to learn more about investments but still, his pride and pretense continues to hinder him from learning. He still has to realize how much more he can learn if only he puts his mind into it. His wish will happen especially since he is being more involved in what I am doing.

In Episode 8 on July 6 at 8am of “Nang Magising si Juan”, we will see Ariel converting his garage into a dancing place for senior citizens. Unfortunately, one of the senior citizens collapses. As everyone were discussing the medical treatment she has to got through, she confessed that she did not have any savings or insurance to pay for the medical expenses.

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

Nang Magising si Juan would like to thank its sponsors: Bulgar, Bounty Fresh Chicken Chooks-to-Go, Mang Inasal, Landbank of the Philippines, and many more!