Your Wealthy Mind Author : Ray L.

About Ray L.

Ray is the main writer behind YourWealthyMind.com. He is a proponent of self-improvement and self-education, and he believes that anyone can achieve their goals once they learn the knowledge and skills they need to attain them. He considers it his mission to enrich lives and end poverty by teaching people lessons they may need to succeed.

How to Avoid Phone and Internet Scams

July 9, 2020 by Ray L. Leave a Comment

*This article contains affiliate links.

Because of the covid-19 pandemic, it’s become more dangerous to go out and do things we once normally did, like line up to pay bills at the nearest Western Union or BayadCenter branch. Learning to pay bills as well as send and receive money online is very important as it helps keep us safe these days, and it’s also far more convenient.

Unfortunately though, while we know how to spot scammers and thieves hanging around ATMs, shopping malls and busy streets, a lot of Filipinos (especially the older generations) don’t know much about the kinds of scams that happen online. Here’s a short guide on how to spot most phone and internet scams.

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Bakit Kailangan Nating Gumawa ng Emergency Fund Account

June 20, 2020 by Ray L. 1 Comment

English Version (Click Here)

Sino ba naman ang magaakala, diba? Sino ang makakaisip (bukod kay Bill Gates) na magkakaroon ng ganito kalalang pandemya na pipigil sa ilang mga bansa, magpapalugi ng libo libong negosyo, at mawawalan ng trabaho at hanapbuhay ang milyon milyon.

Habang nagbigay ng suporta ang gubyerno ng Pilipinas sa mga hindi makapaghanapbuhay gamit ang ilang social amelioration programs (SAP o “ayuda”), sa kasamaang palad, madalas hindi ito sapat.

Sa ngayon, kahit nagbalik na ang ilang negosyo dahil sa general community quarantine (GCQ) ngayong Hunyo, mukhang hindi pa rin nagflaflatten ang curve at marami pa rin ang hindi makapaghanapbuhay, tulad ng mga jeepney at bus drivers, atbp. Hindi rin ganoon karami ang mga tao sa labas at karamihan sa mga maliliit na negosyo na nakikita ko ay naghihirap ngayon. Marami rin ang nagsarado na nang tuluyan.

Nakakalungkot talaga.

Sino nga ba naman ang magaakala na mangyayari ito, di ba? Ako hindi ko rin inakala.

May dahilan kung bakit palaging sinasabi ng mga personal finance instructors na mag-ipon ka ng isang “emergency fund”, at ipinakita nitong pandemic o pandemyang ito kung bakit.

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Why We All Need to Build an Emergency Fund Account

June 20, 2020 by Ray L. Leave a Comment

Tagalog Version (Click Here)

Who knew, right? Who could have predicted (aside from Bill Gates) that such a wide-scale pandemic would paralyze entire countries, leave thousands of businesses bankrupt and millions without a job or income.

While the Philippine government have tried to support people who have not had any income during the quarantine with some social amelioration programs (SAP, locally called “ayuda”), unfortunately, it was not really enough.

While some businesses restarted during the general community quarantine (GCQ) in June, the curve does not seem to have flattened at all and there are still a lot of people unable to return to work, such as Jeepney and bus drivers, etc. There’s also not a lot of people around and most small businesses I see seem to be struggling. Many have also closed permanently.

It’s a sad reality.

Who knew something like this would happen, right? I certainly didn’t.

There’s a reason why a lot of personal finance instructors tell people to save up an “emergency fund”, and this pandemic showed us exactly why.

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How to Apply for the P5,000 Cash Aid from Makati [P5,000 for Makatizens]

June 2, 2020 by Ray L. 1 Comment

Tagalog Version (Click Here)

Some time ago the Makati City government announced that they’ll give P5,000 cash aid to Makati citizens, and they called this the MAKA-tulong 5k for 500K+ Makatizens program”. To learn more about the details, just read the links below:

You can apply for this at your Barangay, but you can also apply online. Now how do you apply for the P5,000 cash aid online? Read our guide here!

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Paano Mag-Apply para sa P5,000 Cash Aid o Ayuda ng Makati? [P5,000 for Makatizens]

May 19, 2020 by Ray L. 1 Comment

English Version (Click Here)

Kamakailan lang ay ipinahayag ng Makati City government na magbibigay sila ng P5,000 cash aid o ayuda para sa mga citizens ng Makati city. Ito ang tinatawag nilang “MAKA-tulong 5k for 500K+ Makatizens program”. Para malaman ang mga detalye tungkol dito, basahin mo lang ang mga links na ito:

Pwede kang magapply sa Barangay niyo pero pwede rin kayong magapply online. Paano magapply para sa P5,000 cash aid o ayuda online? Basahin mo ang guide namin dito!

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