Pinoy or Pinay: Sinong Mas Matinik Pagdating sa Pera?

August 13, 2014Plan, Save, Shareabot-kayang negosyo, Armand bengco, Cash loans philippines, colayco foundation, easy money, financial fitness quiz, Francisco colayco, grow money, gusto kong yumaman, how much to retire with, how to grow money, How to invest in stock market philippines, investment opportunities, Investments philippines, Make money philippines, paano ba yumaman, Paano kumita ng pera, paano magnegosyo, paano palaguin ang pera, palaguin mo, patok na negosyo, pera mo, personal finance, pisobilities, saan puwede mag-invest, sino mas magaling sa pera: babae o lalaki, think rich pinoy, truly rich clubadmin

Sa ating lipunan, marami nang tunggalian kung sino ang mas magaling pagdating sa isang partikular na bagay. Kasama na rito ang halos walang-sawang pagtutunggali sa pagitan ng babae at lalaki. Mula pag-ibig hanggang pagtatrabaho, hindi pa rin matigil kung sino sa dalawa ang mas magaling.

Pero paano naman kaya kung pera ang pag-uusapan? Sino kaya sa dalawa ang mas wais/matinik sa pag-aalaga at pagpapayaman ng pera?

Gumawa kami ng pag-aaral tungkol dito, at ito ang nakita naming resulta:

Ikaw, ano sa tingin mo?

Gusto mo bang pagplanuhan ang iyong buhay-pinansiyal? Sali na sa “Pera Mo, Palaguin Mo Workshop” sa Agosto 30. Tawag na sa 637-3731/41 o mag-text sa 09178632131.

Pisobilities @ the Business Portal: Social Entrepreneurship

August 13, 2014Plan, ShareArmand bengco, becoming an entrepreneur, business, business ideas, business philippines, business portal, business trends, Cash loans philippines, easy money, Francisco colayco, gnn, great business ideas, grow money, gusto kong yumaman, how to be an entrepreneur, Investments philippines, Make money philippines, Paano kumita ng pera, paano kumita sa negosyo, paano magnegosyo, pagnenegosyo, patok na negosyo, small business, social entrepreneurship, success in businessadmin

Interested to get into social entrepreneurship? Catch this episode from Pisobilities @ the Business Portal on what it takes to be a social entrepreneur!

Want to watch more quality videos? Visit www.pisobilities.tv today!

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!

“Nang Magising si Juan” Episode 13 Sneak Peek

August 9, 2014Newsariel villasanta, Armand bengco, business philippines, colayco foundation, debt, financial empowerment, financial freedom, financial literacy, Francisco colayco, gma news tv, good business, gusto kong yumaman, how to be rich, how to borrow properly, investing for ofw’s, kapatiran sa kasaganaan, ksk coop, landbank, mang inasal, money, nang magising si juan, negosyo, ofw cooperative, paano mag-invest ang ofw, paano umutang, paano umutang nang maayos, paano yumaman, patok na negosyo, profitable business, red ants media, retirement, small business, the misadventures of ariel and maverickadmin

While there are some improvements in Ariel’s financial education on Nang Magising Si Juan, there is still a lot to ask for. In last week’s episode, Ariel ended up staying in a hotel because his electricity, water and telephone were cut off because he was unable to pay his bills. Ariel is not as poor as not to find money for his electricity but he is not careful. He forgot to pay the bills because he was too busy. I had to remind Ariel that he can pay for his bills even by cellphone.Now he has to use his credit card to pay for his hotel bill and that adds up to his expenses. Ariel didn’t even realize he was staying in aurumOne Makati Hotel that I own together with OFWs and members of KsKCoop.

At least, he remembered that he had to arrange for an interview with Ms. Yasly Corazon Jaen, Chief Admin Officer of Governance Commission for GOCC of LandBank Mobile Availer. He learned that it is easy to get a salary loan. When you avail of a loan, you should have a mobile phone because you apply by text and you get the approval also by text within three days and the money is deposited to your account with Land Bank.

Tomorrow Aug. 10, watch the Ariel and the members of KsKCoop as they meet up in Hong Kong to discuss the projects of KsK. We have sponsors for the show like Bulgar, Bounty Fresh Chicken Chooks-to-Go, Mang Inasal and LandBank of the Philippines. With them, we are able to give all Filipinos information while watching an enjoyable comedy show. Please pass the word to your family and friends.

Protect Your Greatest Asset

August 6, 2014Plan, SaveArmand bengco, asset allocation, Cash loans philippines, cash reserves, easy money, emergency fund, financial goals, financial protection, Francisco colayco, goal setting, grow money, gusto kong yumaman, hospitalization insurance, how to earn money, how to grow money, How to invest in stock market philippines, insurance, insurance with investment, investment opportunities, Investments philippines, Make money philippines, medical insurance, Paano kumita ng pera, personal finance, pisobilities, protect your greatest asset, save for emergencies, savings, term life insurance, think rich pinoy, truly rich club, variable life insuranceadmin

Here’s an article from our Managing Director, Guita Gopalan, about getting financial protection for your greatest asset!

Protect your greatest asset – YOU. You are your greatest wealth generator.

Now just a reminder, a REALLY REALLY IMPORTANT REMINDER! All your hard work in investing can be washed away if your don’t have financial protection. Major emergencies and unforeseen situations befall everyone at least once in their life. And then you have the many minor emergencies. Sometimes we get so used to managing them that our life becomes a series of things to ‘damage control’ and our finances never take off towards the wealth goal.

Major emergencies – hospitalization, operation, calamity, job dismissal, loss of life, disability, etc. – often require a significant amount of money to be able to address adequately. If you don’t have financial protection and all you have are investments then you may find yourself in a position where your investments are doing badly and because of an emergency you’ll have to get your investments…You lose out on what you could have or should have earned. Or your investments could be doing really well but you’ll be trading in your intended financial goal to meet the emergency requirement. The good news is that both situations can be avoided simply by having enough financial protection.

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!

“Nang Magising si Juan” Episode 12 Sneak Peek

August 2, 2014Newsariel villasanta, Armand bengco, business philippines, colayco foundation, debt, financial empowerment, financial freedom, financial literacy, Francisco colayco, gma news tv, good business, gusto kong yumaman, how to be rich, how to borrow properly, kapatiran sa kasaganaan, ksk coop, landbank, mang inasal, money, nang magising si juan, negosyo, paano umutang, paano umutang nang maayos, paano yumaman, patok na negosyo, profitable business, red ants media, retirement, small business, the misadventures of ariel and maverickadmin

Ariel, in Nang Magising si Juan last July 27, continues to believe that his real talent is in show business. He looks for ways and means to support his feeling and he joins the Chooks-to-go caravan. This is actually a good move on his part to understand his real passion. This is what we should all do to really discover if what we believe to be our capability is really true.

In joining the caravan, Ariel got himself into the groove of all the fun that Chooks-to-go caravan had to offer. He went to the extent of being personally involved in the activities, which was again very good to enlighten him. He was convinced that it was really his calling to be in the limelight and he made up his mind that he would be a good endorser of Chooks to go.

He thought he should resign from his job with Feeling Close with FJCshow and maybe even his job with PLDT. He went to me first to resign and tell me about his plans. I was surprised and kept asking him if he already had a signed contract. He was evasive and didn’t really confirm, but he was so sure he wanted to resign, so I accepted.

When Ariel went back to Chooks-to-go, he was shocked to learn that they already had a poster of their endorser. He didn’t even know!

Tomorrow, Aug 3 at 8am on GMA News TV, join Ariel again when he is seriously unable to pay his bills. On Nang Magising Si Juan, learn more about possible solutions especially regarding the mobile salary option of Land Bank.

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 and LandBank of the Philippines. With them, we are able to give all Filipinos information while watching an enjoyable comedy show.

BEWARE OF THE LATEST SCAM

August 2, 2014Newsaman future, Armand bengco, Cash loans philippines, companies that are scams, financial empowerment, financial literacy, financial scam philippines, Francisco colayco, get out of debt, grow money, grow out of debt, gusto ko yumaman, how to grow money, How to invest in stock market philippines, Investments philippines, iwas scam, KsKCoop, kumita ng para, lubog sa tang, Make money philippines, mastermind rodolfo miranda, online marketing, online scam, Paano kumita ng pera, paano maka-iwas sa scam, pagadian scam, pyramid scam, quickest way to get rich is to get rich slow, scams, scams philippines, sec, securities and exchange commission, truly rich club, upwarm limited corpadmin

by: Art Ladaga

A few hours ago, a man named Peter Jay Abrico who pretended to be linked to a certain government institution, solicited money from them, promising to return their money TWO TIMES ITS WORTH a few days after. In some cases, Abrico also gave extra items like a television and a pajero! Investors became suspicious when most of them complained that they were not able to get their money back afterwards. Eventually, Abrico was captured in Makati.

Scams like this are very rampant. There are still those who fall prey to these false opportunities for a chance to “get rich quick.” Sadly, the only ones who get rich quick in these cases are the scammers. On the other hand, the victims are left deeply traumatized for giving away a huge amount of money. It will take a long time until they are able to get back up again.

At these times, the words of Mr. Francisco Colayco strongly reverberates: the quickest way to get rich is to GET RICH SLOW! If one does not accept this fact, then one will continue to fall prey to the hundreds of false “opportunities” around And the only way to distinguish an authentic wealth vehicle from a false one is summarized in two words: FINANCIAL LITERACY! Only with the right and timely information can you guard and grow your wealth properly, and not become a victim of financial scams.

BE UPDATED WITH THE LATEST SCAMS! Click here for a guide on the suspected and confirmed scams in the country.

Source:http://www.abs-cbnnews.com/nation/metro-manila/07/31/14/cops-lose-millions-double-your-money-scam

* Art Ladaga is the current Programs Development Officer of Colayco Foundation for Education

Ibenta ang Hindi Kailangan

July 28, 2014Loan, PlanArmand bengco, assets and liabilities, bulgar, credit card debts, credit problems, easy debt payments, fjc, Francisco colayco, francisco j colayco, good credit, how to beat debt, how to invest, how to make money, ibenta and hindi kailangan, paano bawasan ang utang, paano bumangon sa utang, paano mag-invest, paying your loans, pisobilities, problema sa utangadmin

ni: Francisco J. Colayco

*unang lumabas sa Bulgar noong ika-2 ng Marso, 2013

Sanay tayong lahat sa ating paraan ng pamumuhay. Kung may mangyayaring malaking pagbabago, hindi madaling masanay sa bagong kalagayan. Lalo na kung pera ang pag-uusapan.

Kung dati kang mahirap, at nagkaroon ka ng maraming pera, kailangan mong baguhin ang pamumuhay. Magandang pagbabago ito dahil mas marami ka nang pera kaysa dati, pero makakaapekto pa rin ito sa pang-araw-araw na buhay. Halimbawa, baka hindi mo magawang gumastos nang husto kahit may pera ka na. Maganda ito dahil mas malaki na ang maiipon mo kaysa dati. Kailangan mo itong tandaan.

Sa kasamaang palad, ang mga taong nakaranas ng biglang yaman dahil nanalo sa lotto ay hindi sumusunod sa prinsipyong “Kita – Ipon = Gastos.” Kadalasang nauubos agad ang napanalunang pera dahil hindi naman nila iyon pinaghirapan at hindi nila naiintindihan ang halaga niyon.

Mas nakakalungkot kung dati kang may pera ngunit nawala ang lahat ng yaman mo. Tiyak na magiging mas mahirap ang pagbabagong haharapin. Kalimutan na muna ang kaginhawaan at karangyaan ng nakaraan. Kailangan mong harapin ang kasalukuyan at mamuhay nang angkop sa iyong kakayahan.

Kung may mga utang ka na mahirap bayaran gaya ng credit card, kailangan mong harapin ang katotohanan at isipin kung saan kukuha ng perang pambayad. Sa puntong ito, maghanda kang ibenta ang kahit anumang pag-aari mo. Isipin nang mabuti kung ano ang pwede mong ibenta para mabayaran ang utang. Posibleng gustuhin mo na maging optimistiko at maghintay na lang tutal maaayos din ang lahat. Pero sa katunayan, bawat araw na nagdadaan, lumalaki ang utang mo dahil hindi tumitigil ang pagpatong ng interes at mga multa.

Huwag nang mag-atubili at ilista lahat ng mga pag-aari mo. Maghandang ibenta ang mga pag-aari na hindi nagagamit o hindi nagbibigay sa iyo ng kita. Maging pursigido sa pagbenta ng mga pag-aaring ito at gamitin ang cash para bayaran ang utang.

Siyempre, mas mainam kung magagamit mo ang pag-aari para kumita ng pera imbes na ibenta iyon. Halimbawa, kung may kotse ka at may utang ka, pwede mong iparenta ang kotse para bayaran ang utang. Pero kung masyadong malaki ang utang at hindi makakatulong nang husto ang kita mula sa pagpaparenta ng kotse, mas mabuting ibenta na agad ang kotse. Mababawasan na ang utang mo, titigil pa ang deteryorasyon ng kotse.

Bisita na sa www.colaycofoundation.com para sa schedule ng seminars ng Colayco Foundation!

“Nang Magising si Juan” Episode 11 Sneak Peek

July 26, 2014Newsariel villasanta, Armand bengco, business philippines, colayco foundation, financial empowerment, financial freedom, financial literacy, Francisco colayco, gma news tv, good business, gusto kong yumaman, how to be rich, kapatiran sa kasaganaan, ksk coop, landbank, mang inasal, money, nang magising si juan, negosyo, paano yumaman, patok na negosyo, profitable business, red ants media, retirement, small business, the misadventures of ariel and maverickadmin

Ariel, in Nang Magising si Juan last July 20, was feeling insecure about his not accomplishing much in his financial life. Together with his friend, Long Mejia, he tried to think up of businesses but because of other commitments, Long Mejia leaves Ariel on his own. Ariel decided to sell chickens because he loves to eat chicken and his best brand is Bounty Fresh Chicken, Chooks-to-Go. He bought frozen chicken from Bounty Chicken and started selling them house-to-house and store-to store. However, his selling was unplanned. He even ate some of the chicken that he was supposed to sell. He realized that he didn’t like that particular business because it was not a business that he really liked He realized that he could not go on without asking for advice.

He approached Armand Bengco, Executive Director of Colayco Foundation to help him. Armand explained to Ariel the basic concepts of setting up a business.

After hearing the suggestions, Ariel asks Armand Bengco if he would like to be a partner in his business by putting in money. Of course, Armand knows better. You should not agree to being a partner and especially not putting in money into a business that your partner has obviously no expertise in.

On Sunday, July 27, join Ariel again on Nang Magising Si Juan as he continues to try to set up a business. Ariel continues to believe that his talent is in show business.Ariel joins Chooks-To-Go’s Kwela Van road show to impress the brand’s marketing head and consider him as their newest endorser.

We have sponsors for the show like Bulgar, Bounty Fresh Chicken Chooks-to-Go, Mang Inasal and LandBank of the Philippines. With them, we are able to give all Filipinos information while watching an enjoyable comedy show. Please pass the word to your family and friends.