Tag Archives: financial times

Starting to Work On Your Success

November 17, 2015SaveArmand bengco, business, financial literacy, financial times, financial wellness, Francisco colayco, goals, invest, investing, mutual funds, pera palaguin, pisobilities, save, savings, successadmin

And here is how we want to help you get it! Follow the coming articles that will help those who want a refresher course…

Goal Setting Part 1

It has been more than eleven years since I started teaching how to care for your personal financial matters. From the many feedback I have received from readers, it is very clear that so many ordinary earning Filipinos do not know how to save and grow their money. The questions I receive are varied and detailed but the most frequent can be summarized into three:

1) How can I save?

2) How can I get into a business?

3) How do I invest in mutual funds?

Before even asking these questions, each person should first set their goals. The New Year is only about 45 days away, it is an opportune time to devote time on GOAL SETTING.

I always remind people that you cannot go anywhere if you do not first establish where you are and where you want to go. My favorite example is when you go to a Mall for the first time and you want to go to a particular store without wasting time because you are in a hurry. You can ask people around you but sometimes, they do not know or worse, they give you the wrong information. The best method is to look at the map in the mall and locate your store and how to go there.

This is the same routine you should follow when you want to save, get into business, or invest your money. When people realize they should save and grow their money, they are suddenly in a hurry to do it without any planning. They start asking around from people they know. Unfortunately, most of the time, they ask people who also do not know how but are so eager to pretend they know. They start getting wrong advice and end up losing money without even knowing how and why.

This need not happen if they followed the rule of GOAL SETTING. The first step is to establish a plan, which is your “map” or your financial goal. Note that most legitimate investments are sound investment instruments. They are all good investments. However, what is important is to be able to tell which one is suitable or best applicable to your needs. It is impossible to be able to discern which is the best for your personal situation unless you have your own financial plan based on your own specific timetable. We will talk more about goal setting in the next articles.

For added information, visit www.colaycofinancialeducation.com www.franciscocolayco.com and www.youtube.com/colaycofoundation at www.kskcoop.com. Tumawag sa 637 3741 o 637 3731 o 0917 863 2131. Our next seminar is on Nov. 28. Join it. Based on experience, we learn more when we have immediate feedback on our questions.

Listen to Pera Mo, Palaguin Mo every Monday on DZXL 558AM from 11am to 12 noon. You can also watch us on Pisobilities Reality every Tuesday, 8:30 pm, on Light Network Channel 33 and every Saturday on GMA News TV 11, 6am.

ANG PINAKABAGONG LIBRO NG PERA PALAGUIN SERYE pt. 2

November 10, 2015SaveArmand bengco, book, financial times, Francisco colayco, gusto kong yumaman, investment opportunities, Investments philippines, pera pinalago, personal finance, pinalago, publication, publishingadmin

Sinabi ni Mr. Generoso Asuncion na nakabasa ng mga unang libro:

“Simula nang mabasa ko ang dalawang aklat na “Pera Mo Palaguin Mo 1 & 2” nagbago ang pananaw ko sa buhay. Maliban sa mga aklat, pinanood ko rin ang mga payo ni G. Colayco sa YouTube at binasa ko ang artikulo sa website. Ang laki ng pagbabagong ginawa niya sa buhay ko. Marunong na akong mag impok ng pera. Ibinabahagi ko rin ang mga kaalamang natutunan ko sa aking mga anak, kaibigan, kapatid, at mga taong nakikilala ko para malaman nila kung ano ang tamang paraan ng pag-iimpok ng pera para makalaya sa kahirapan. Maraming salamat Mr. Topakits. Isa kang LIWANAG sa madilim na kapaligiran ng kahirapan.”

Sinabi ni K. Cayanong, isang Customer Service Representative ng Convergys Philippines noong 2013:

“Naging masaya ako sa mga natutunan ko sa Colayco Foundation. Nalaman ko na mali pala ang paraan ng pag-aayos ko ng aking mga kita, pero nalaman ko din ang pagkakataon na magsimula NGAYON. Magsimulang mag-ipon at mamuhunan. Nalaman ko ang pangangailangan na dapat siguraduhin ang magandang kinabukasan ko at ng pamilya ko.”

Sana ay makatulong ang mga pahayag na ito upang himukin kayong basahin at pag-aralan, kung hindi para sarili nyo, para sa mga miyembro ng inyong pamilya na mayroong malaking pakinabang sa pamamagitan ng pagkakaroon ng mabuting batayan sa pamamahala ng sariling pananalapi.

Sinabi ni Mary Grace M. Orbase, isang mag-aaral noong 2011:

“Ako ay 14 taong gulang, estudyante sa high school at malapit ng maging third year high school, nabasa ko ang libro ninyo, Pera Mo Palaguin Mo! 2. Naging malaking inspirasyon ito sa akin. Natuto at naliwanagan ako sa aking murang edad. Natuto ako kung paano hawakan ang aking pera-na dapat ay palaging may maitatabi. Mabuhay at mapasainyo sana ang swerte. Sana ay marami pang katulad kong estudyante sa high school na makabasa at maliwanagan ng inyong libro J”

Sinabi ni Renz Sumera, isang Lisensyadong Chemical Engineer noong 2012:

“Nakatapos ako ng Chemical Engineering sa edad na 21. Naghahanap ako ngayon ng trabaho habang nag-aaral para sa board exam sa Nobyembre. Nabasa ko ang dalawang libro nyo, Money at Wealth at naging inspirasyon ito sa akin para pahalagahan ang pera at matutong mamuhunan. Di ko na mahintay na magsimulang magkaroon ng active income at mag-ipon ng hangang 20% para sa magandang puhunan. Salamat sa pagsulat ng mga librong ito at sana ay marami pang bagong mga nakapagtapos na katulad ko o mga batang propesyonal ang makabasa ng mga ito at maging insperado.”

Sinabi ni Leonardo Alba, isang OFW galing Abu Dhabi:

“Inuulit ulit ko po ang libro ninyo dahil may mga part na di ko po agad makuha. Pero all in all ay maganda po ang nilalaman nito with matching examples. Sa ngayon po ay try kong apply ang iba kong nabasa sa book.”

Sabi ni Cecilia T. noon pang 2012

“Ang mga libro ninyo ay nakapagtuturo at nagbibigay ng simpleng inpormasyon. Importante ito lalo na sa babaeng katulad ko. Itong librong ito ay isang biyaya. I have learned how to take care and grow the finances of my family.”

Mula kay Anthony Pinaglabanan ng Iowa

“Naimpluwensyahan ako ni Mr. Colayco sa aking pinansyal na kaalaman anim na taon na ang nakakaraan, mayroon na akong ipinuhunan ngayon at ito ay gumagalaw na laban sa pagtaas ng presyo ng mga bilihin at hindi lang pinapaginipan ang pagtaas ng puhunan ko. Ang susunod kong proyekto ay gumawa ng Passive Income dahil gusto kong magretiro ng maaga para makasama ko ang pamilya ko ng mas matagal.”

Nanggaling kay Razmon ng Zamboanga, 2006

“Salamat sa pagpalago n gaming pero kundi pati na rin sa pagbibigay ng kaalaman. Sulit ang pagpunta ko galing sa probinsya para bumili ng mga libro ninyo. Bumiyahe man ako ng malayo, nagbukas naman ito ng malaking oportunidad at pagsasakatuparan. Talagang lumago. Sa mga librong Pera Palaguin naunawaan ko na ang kahirapan ay dahil din sa kakulangan sa kaalaman kung paano aayusin ang iyong pinansiyal na buhay at hindi lamang sa kakulangan ng mapagkukuhanan ng pera.”

Ibinahagi naman ni Simpe Rogie Magana-Co

“Tinuturuan ninyo ang mga tao para magkaroon ng kaalaman sa pinansiyal nilang buhay sa pag-gamit ng simpleng lenguahe at mga praktikal na halimbawa. Patuloy ninyong binabahagi ang mahalagang kaalaman at personal na karanasan sa paghawak ng pera.”

Kuwento naman ni Sarah Jane Mayola OFW

“Matagal ko na po narinig yung Colayco Foundation nung nasa labas pa ako na nagtatrabaho bilang staff nurse sa isang ospital sa Kingdom of Saudi Arabia. Hindi po ako nagkaroon ng pagkakataon para magsimula at mamuhunan. Siguro dahil hindi pa ako handa o hindi pa ako determinadong baguhin ang buhay ko. Ngayon na nandito na ako sa Pilipinas, naghahanap ulit ako ng trabaho sa ibang bansa. Ngayon ko lang narealize ang kahalagahan ng proper investment and savings. Lahat ng ipon ko naubos na po at ako ay call center agent saMakati. Nakakaipon lang ako ng Php1000 every tuwing sahod pero desidido na akong mag-save. Ngayon hindi ko na gagastahin ang ipon ko.”

Spending Practices that will put you in Debt

September 10, 2015SaveArmand bengco, bonus, credit, credit card, debt, economic conditions, expenses, financial times, Francisco colayco, income, installment, salary increase, saving, savingsadmin

Some people have ways of thinking in relation to spending that could lead them into debt. I will be discussing with you some of the spending practices of some people that lead them into always being short of cash and living on credit card or in deep credit card debt. In analyzing these practices, I want to emphasize the principles I have been discussing through the years. Read on and see how you can be more aware so that you avoid the pitfalls.

Bonus – Let’s say that you received a bonus of P10,000. What would you do with it? Most people would not only spend all of it. Apparently, many will even use it as a down-payment for an item, and unfortunately, the installment payments for the item bought is usually more than their budget. Normally, a budget is just enough for your regular expenses. You should not add to your regular expenses without a permanent addition to your regular income. A bonus is not regular income and after receiving it, there will be no more to come in the near future.

If you are making a budget for your regular income and expenses, all the more you must treat a bonus with some analysis and planning. Remember the First Principle is “Pay Yourself First?” I ask you to follow the formula “Income minus Savings equals Expenses.” A bonus is income as well. You must still follow the formula. Set aside 10-20% of the bonus as your savings.

You could also give yourself and your family a little treat but make sure it is something modest and commensurate to your regular income.

Discuss the bonus with your spouse and/or your family. What are your priorities to help get the best value for the windfall. Since the amount is limited, don’t immediately think that you can use it for a new type of expense that could balloon to something more than you bargained for. Rather, maybe it is better to use it to help you in a regular expense or even better, put it all in savings.

The bonus is the only additional income you have. Unless you get a salary increase, you do not have additional money to pay for additional regular installment payments. Never buy an item that will require you to make regular installments that you cannot afford.

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

July 4, 2014News, 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

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!

Ariel Villasanta at “Medyo Late Night Show w/ Jojo A”

July 2, 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, 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

I was very happy for Ariel when he was featured in the Medyo Late Night Show with Jojo A. last May 26. Aside from talking about his life after living away from the limelight, he talked about his new show with me called Nang Magising si Juan. Check this out!

Make sure to catch Nang Magising si Juan every Sunday, 8:00 am, at GMA News TV!

Nang Magising si Juan would like to thank its sponsors: Bulgar, Landbank of the Philippines, Bounty Fresh Chicken Chooks to Go, Mang Inasal, and many more. We would not be able to reach out to more Filipinos if it weren’t for you!