prosperity

How to Spend Money Wisely (Our Number One Tip)

March 12, 2019 by Ray L. Leave a Comment

Tagalog Version (Click Here)

Let’s talk about the one question you should ask yourself before you spend your hard-earned cash. When you first learn about personal finance and spending money wisely, you first learn how to “pay yourself first” and how to invest. You also learn how to pay off and avoid bad debts, the difference between needs and wants, assets and liabilities, insurance, taxes, and more.

This lesson is about what you should do with the rest of your money. In other words, it’s about how you can make the best use of your leftover cash after saving and investing.

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Paano Gumaling sa Paggamit ng Pera (Ang Aming Number 1 Tip)

March 11, 2019 by Ray L. Leave a Comment

English Version (Click Here)

Pag-usapan natin ang isang tanong na kailangan mong isipin bago mo gastusin ang perang pinaghirapan mo. Kapag nagsimula ka nang mag-aral tungkol sa personal finance at tamang paghawak ng pera, matututunan mo kung paano mag-ipon muna (“pay yourself first”) at paano mag-invest. Matututunan mo rin kung paano magbayad ng mga utang at paano iwasan ang pagkabaon dito, ang pagkakaiba ng mga pangangailangan at kagustuhan lang (needs vs wants), assets at liabilities, insurance, taxes, at iba pa.

Ang aral dito sa article na ito ay tungkol naman sa kung paano mo dapat gamitin ang iba mo pang pera. Matapos mag-ipon at mag-invest, paano mo magagamit ng mabuti ang natitira mong pera sa sweldo.

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Tagumpay at Pagkabigo: Ito’y magmumula sa mga maliliit na bagay…

December 11, 2018 by Ray L. Leave a Comment

English Version (Click Here)

Ang mga marangal na tagumpay ay nagmumula sa mga mumunting gawain at mga bagay na nakasanayan nating gawin araw-araw. Ang mga maliliit na pagkakamali tulad ng pagaaksaya ng oras o pagkain ng iisa pang piraso ng sitsirya, kung inulit ulit, ay pwedeng maging napakalaking pagkabigo o pahamak sa buhay.

Kung sinubukan mong magpalipad ng eroplano mula sa North America papuntang Japan pero mali nang ilang degrees ang direksyon mo, kung hindi mo itinama ang iyong dadaanan malamang sa ibang bansa ka mapapadpad. Ang mga munting pagkakamali nga naman ay lumalala sa pagdaan ng panahon, at ang mga maliliit na mabuting gawain ay lumalaki at nagiging marangal na bagay.

Basahin mo ito para matutunan kung bakit.

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Success and Failure: It all starts from the little things…

December 11, 2018 by Ray L. Leave a Comment

Tagalog Version (Click Here)

Great successes are created from the little acts and habits we do every day. Small mistakes like wasting time or eating just one more piece of junk food, if repeated over time, can eventually turn into great failures and disasters.

If you try to fly a plane from North America to Japan but your aim is just a few degrees off to the wrong direction, if you never corrected your course you’ll likely land in another country entirely. Small mistakes snowball into something worse over time, and small good habits snowball into great things.

Here’s why.

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Investing for Filipinos: Investment Options Beyond Stocks

November 6, 2018 by Contributor Leave a Comment

*Post contributed by Jason Garcia.

Only around 8 percent of Filipinos have investments in assets like stocks, bonds, and mutual funds. Although volatile, stock investment has proven to be a good instrument for building wealth. Other investment vehicles like mutual funds and VULs have made investing more accessible even for Filipinos who have little knowledge about the security markets. So what’s keeping many Filipinos from investing? One factor is that the complexity of investing is putting them off. There’s also the fear of losing money. After all, investments like stocks do come with risks. But investing is actually not as complicated as you think. And there are investment options that are safer than stocks. Several Philippine investments have also made the process easier. Read on to learn more.

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