Difficulties are opportunities!

Don't give up in your difficult situation!

Fight inflation!

Learn the effects and how to fight it!

The types of Mutual fund

know the types of mutual fund you should invest in.

How to open a Mutual fund account?

Find out how simple it can be!

What should come first?

Find out why financial education is a must before investing.

The Kerygma Conference 2013

Invest in learning and BE EMPOWERED!

Friday, September 27, 2013

The Boss and The Leader

In our world today, there are 2 people that may lead our life, that would be the boss and the other, the leader. What exactly is the difference between both?

I have done some little research (thanks to Google) and this is what I found out. (http://www.differencebetween.info/difference-between-leader-and-boss)
Inspires employees
Drives employees
Depends on respect and honor
Depends on authority
Cares for your well-being
Cares for your productivity level
Says ‘We’
Says ‘I’
Inspires enthusiasm
Inspires fear
Gives credit
Takes credit
Says ‘Let’s go’
Says ‘Go’
Knows how it is done
Shows how it is done

There are other articles that says the same thing but on my personal note, a leader/boss should know how to TRUST his/her people. This is where the big difference is, TRUST, I have learned that the more you trust, the more you get trusted back. You show them respect, they give you back respect.

This is after all the Golden rule. 

Matthew 7:12 “So whatever you wish that others would do to you, do also to them, for this is the Law and the Prophets."

Hey, if I follow the Bible, how could I go wrong? Pretty simple, how you treat others, the same you will be treated. It is our choice!

Before I end, on 2nd note, 1 important thing that a leader or a boss should not forget, RELATIONSHIPS! I have learned so much about this, having a good relationship with anyone can make you reach heights that you or your team have never reached before.

It is in relationships that could make or break anyone! How do you see yourself? Are you a boss or are you a leader? Me? I want to become a good leader and that journey begins!

"God is more interested in your future and your relationships than you are."
-Billy Graham 

God bless you!

Monday, September 23, 2013

Some of the reasons why it's fun with the Mutual Funds

 Picture says it all! Please take note that this is how the Mutual Funds in the Philippines is specially in the TAX FREE area! :)

*Depends on market performance

Time is gold!

Have a successful journey!

God bless you!

Monday, September 16, 2013

Why invest in the mutual fund?

Investing differs in style, there are people who wants to invest directly in the stock market and by all means, please go ahead, it is also a good way to grow and build wealth!

I want to share my investing style (and mostly of my friends). My investing style is through the mutual fund, let me give you some advantages of the mutual fund and how it works.

See this picture above? Let me explain it a little. Year 1 to 36 shows how long we invest the money. Traditionally, most financial institutions give at least 4% a year in return while the mutual funds, at least 12% a year in return. (Depends on market movements)

Now you have 100, 000, if you invest it on 4% a year, after 36 years, it will grow to 400,000! On the other hand, if your 100, 000 goes to the Mutual Funds earning at least 12% a year, after 36 years, it becomes 6.4 million!

Okay, so there are 2 ways to earn the 6M. First, you can work for it, so if you earn 300, 000 a year, you have to save that for 20 years! That would mean no eating, no taking a bath, no fare, nothing!

The other way to earn the 6 million is either to invest 100k at 12% or invest 1, 000 per month at 12 % and after 36 years, you still get 6 million. This my friends is the power of compounding interest. How would you like to earn the 6 million?

Friends, this is how some of our financial institution works, they take your money as your savings, they give you 1% - 4% a year but they invest your money to somewhere higher. You get 400, 000 and they get 6 million!

Start investing and earning smartly now! How? Invest in somewhere higher, I invite you to invest in the mutual funds, you can start investing with 5000 Pesos and with that, you journey to reaching your financial goals begin!

Have a successful journey!

God bless you!

Monday, September 9, 2013

The Kerygma Conference 2013: BE EMPOWERED

I just had an amazing press conference with Bro. Bo and the Kerygma preachers today! Such an amazing event!

The Kerygma Conference have been in Cebu for 4 years now! The Kerygma Conference 2013 will mark its 5th year in Cebu!

This years theme is BE EMPOWERED! Why BE EMPOWERED? 

Because there are a lot of people who feels helpless, people who feels that they cannot do anything with their lives, people who think that they are trapped, nowhere to go!

For example, there are people who thinks that they cannot move from the job they have now, there are people with broken relationships and they feel that they cannot move on!

There are people who thinks that they will be poor forever and that nothing will happen in their lives! There are people who thinks that they cannot do anything anymore with their situation!

This conference, BE EMPOWERED will teach us that we have the power, we have the power to change our situation, we have the power to move on, we have the power to change our lives! We have the power through God because God is powerful and God is there to help us and be EMPOWERED!

The Kerygma Conference will be on DECEMBER 7 and 8 and will he held at USJR Basak Campus. Tickets are now available and you can grab them at the Feast at SM, Feast CBP at City Sports and Feast Bogo. ( I will be announcing more ticket outlets if any more.) Or call  520 1071 and look for Sis. Hazel.

Ticket are at: (From front to back seating and top respectively)


  • PEARL W/ MEAL        -     1500
  • CANARY W/ MEAL     -     1000
  • SAPPHIRE                   -     500
  • RUBY                           -     300

DAY 2 (YOUTH CONFERENCE, HEALING MASS will be at the morning)

  • PEARL                         -     500
  • CANARY                      -     400
  • SAPPHIRE                   -     300
  • RUBY                           -     200

What to expect? There will be 5 speakers on the first day! They are: Bro. Bo Sanchez, Bro. Carl Fontanilla, Bro. Arun Gogna, Bro. Alvin Barcelona and Bro. Buddy Tan!

On the second day, we have 3 powerful speakers: Bro. Obet Cabrillas, Bro. Stephen Nellas and Bro. Migs Ramirez! Healing mass in the morning will be done by Fr. Joey Faller!

Expect beautiful music, healing, grace, miracles and blessings to flow in your life with the Kerygma Conference 2013! I will see you there!



Monday, September 2, 2013

Build an Emergency Fund!

An emergency fund is a fund that can be used for small emergencies. Medicines, something that you need for replacing, or even in joblessness.

The emergency fund will help you KEEP OUT OF DEBT and will PROTECT YOUR INVESTMENT.

One time I was jobless, I was jobless for 7 months! I did not have any cash flow, all that was left was my emergency fund.

While I was searching for a job, I had to spend on jeepney fares, snacks, meals and some little needs. That was all I had!

What was amazing is that my emergency fund lasted for 7 months and fortunately, on the 7th month I got a job, so it was time for me to build the emergency fund again.

What did I do with my emergency fund? I had to pay jeepney fares looking for a job. When I was hungry I would by bread, about a piece or 2. If I had free time, I would go to The Feast (Catholic Community), I pay my fare for that and even use my emergency fund to tithe!

On that time too, my PC monitor broke! I was thinking if I should replace it or not since I did not have a job but I realized that it was a need. I was job searching online so I had to buy a 16 inch monitor which cost me around 3000 PHP and that was from my emergency fund.

For 7 months, I was praying that I would not spend something big and so It was granted. For 7 months, I spending just for my fare, snacks, meals and all the petty expenses.

That is the emergency fund. Only use this fund if it is truly an emergency, not just because a party is coming up and your are short of funds then the emergency fund would be used. That is wrong.

Last December 2012, I had chicken pox, I was already employed back then but if I would be absent for 2 weeks, that would mean no pay! True, I did not have any pay. So how did I move on? With my emergency fund!

My medicine for chicken pox was from may emergency fund. If I did not have any emergency fund, I could have withdrawn my investments, in result, I stop its growth.

Worst, I could have owed money, interest after interest and I would not be sure if I could pay it off.

This is how important an emergency fund is and when building your financial foundation, do not forget the emergency fund. How much emergency fund is needed? That would be 3 or 6 months worth of your pay.

If you receive 20k a month, then your emergency fund should be 60k to 180k. Emergency funds only cover for small emergencies. If there is a medical emergency which involves major operations, then healthcare kicks in.

Fire, flood, car breaks down - these should be covered by fire insurance and car insurance, not the emergency fund.

Build your emergency fund right!

Happy investing!


Picture is not mine. Picture is from http://modernsurvivalonline.com/wp-content/uploads/2011/10/emergency-fund-300x300.jpg