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FINANCIAL EDUCATION IS THE KEY TO PROSPERITY

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Congratulations my dear graduates!  15 years ago, I feel what you feel. You are now excited to see the real world and be on your own. After my graduation, I work and have a steady job. My income is growing. But I notice that my expenses are also growing too fast. I resorted to DEBTS. I experience Loan-Payment-Loan Cycle. To the point that I cannot sleep well at night thinking of my finances. I thought that after graduation, everything was alright. But I was wrong. I was so de sperate to learn about financial literacy. I read several financial books. Finally this year, I enroll in the Financial Workshop and I learn all aspect of personal finance from debt management to growing your assets. If I knew this money principles 15 years ago, I already earn my first million and I will be financially free today. I will no longer incur debts. Be financially educated now. Enroll in the Financial Seminar/Workshop.
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NEED OF A LONG TERM HEALTH CARE

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Last week, I accompanied my son to the ENT Specialist Doctor (Ear, Nose, Throat) in a private clinic in Consolacion, Cebu, Philippines. We were five patients. The first patient was a senior citizen about 65 years of age. After her examination, she was charged with a P3,500 consultation and medical fee. She was shocked and worried since her money was only P1,000. Next patient left the clinic upon hearing the 3,500 medical fee. I was moved with pity with the two patients. I thought to mysel f how about in a life threatening situation? Like heart attack or bypass operation. In reality, there is a high cost of medical needs. However, there are two solutions to this problem. First you have a personal emergency fund to pay the medical bills. Second, you have a health care to cover your medical needs. Today, a Long Term Health Care is now available in the Philippines to solve this problem. Just 88/day for 7 years to pay, you will have a KAISER ULTIMATE HEALTH BUILDER, a 3 i...
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SAVINGS IS LIKE A LIFESAVER

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Sometime in 2014, I cannot forget this incident. My son had no more milk to drink. I pulled out my wallet and it had only 50 pesos for my fare. I borrowed money to my friends but they refused because they also needed the money. I inquired my Landbank ATM card but no available balance because it was 2 days before the payday. I went to my cooperative to secure a loan but I was denied because I used all the loan windows. I got stressed where to ge t the money to buy milk. Then, I remembered that I had a cooperative savings passbook in my drawer. Lo and behold, I saw an available balance of 500 pesos. I went to the coop again and withdrew the 400 pesos. I share this story so that you can learn from me and for you to start your savings program. Savings is a like a lifesaver. Someday, it will save you.
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