tag:blogger.com,1999:blog-65368443437421884192024-03-13T19:55:22.128-07:00Healthy Tips on Money Management for FilipinosPersonal Finance Ideas on Income Management, Investments and Debt Consolidation.healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.comBlogger40125tag:blogger.com,1999:blog-6536844343742188419.post-40884828006172474122015-12-15T14:26:00.000-08:002015-12-15T14:26:20.095-08:00How Mutual Funds Grow Your Money<div dir="ltr" style="text-align: left;" trbidi="on">
By: Ben O. de Vera (Philippine Daily Inquirer, April 8, 2015)<br />
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Investment option for beginners and those who want to start small but gain big<br />
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<a href="http://2.bp.blogspot.com/-v-fm6gyBQBs/VnCSTVpEr2I/AAAAAAAAAJY/-_GAJRmDGWE/s1600/MFs__How%2Bthey%2BGrow.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="228" src="http://2.bp.blogspot.com/-v-fm6gyBQBs/VnCSTVpEr2I/AAAAAAAAAJY/-_GAJRmDGWE/s400/MFs__How%2Bthey%2BGrow.JPG" width="400" /></a></div>
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<span style="line-height: 16px;">With a growing economy and as more and more Filipinos earn more, investment opportunities have become very appealing to those who want to further grow their hard-earned money faster than just depositing them in banks.</span><br />
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For those who want to start their investments small but gain big, the mutual fund is the way to go, according to the <a href="http://q.gs/1161922/phil-investment-funds-assoctn" target="_blank">Philippine Investment Funds Association Inc.</a> (PIFA), a group composed of 10 fund management companies behind 53 member funds.</div>
<span style="border: 0px; font-stretch: inherit; line-height: 16px; margin: 0px; padding: 0px; vertical-align: baseline;"><br />Continue Reading here: </span><br />
<span style="border: 0px; font-stretch: inherit; line-height: 16px; margin: 0px; padding: 0px; vertical-align: baseline;"><a href="http://j.gs/1161922/how-mutual-funds-grow-your-money" target="_blank">How Mutual Funds Grow Your Money</a> (Philippine Daily Inquirer)</span><br />
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<a href="http://q.gs/1161922/phil-investment-funds-assoctn" target="_blank">Click here for more about Mutual Fund Companies at the PIFA website.</a></div>
healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com2tag:blogger.com,1999:blog-6536844343742188419.post-1138172306540873212014-06-28T20:39:00.000-07:002014-06-28T20:39:06.639-07:00GMA News - How to INVEST in the STOCK MARKET<div dir="ltr" style="text-align: left;" trbidi="on">
Best-Selling Author and Financial Adviser Francisco Colayco explains how to invest in the STOCK MARKET thru MUTUAL FUNDS:<br />
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<object width="320" height="266" class="BLOGGER-youtube-video" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0" data-thumbnail-src="https://ytimg.googleusercontent.com/vi/ug_cDtursm8/0.jpg"><param name="movie" value="https://youtube.googleapis.com/v/ug_cDtursm8&source=uds" /><param name="bgcolor" value="#FFFFFF" /><param name="allowFullScreen" value="true" /><embed width="320" height="266" src="https://youtube.googleapis.com/v/ug_cDtursm8&source=uds" type="application/x-shockwave-flash" allowfullscreen="true"></embed></object></div>
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Click <a href="http://adf.ly/1161922/philam-asset-mutual-funds" target="_blank">HERE</a> for additional information about MUTUAL FUNDS from <a href="http://adf.ly/1161922/philam-asset-mutual-funds" target="_blank">Philam Asset Management, Inc. (PAMI)</a>.</div>
healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com3tag:blogger.com,1999:blog-6536844343742188419.post-78944580143012708472014-06-20T23:19:00.000-07:002014-06-20T23:19:31.638-07:00GMA News TV Program -- Explains Investing in MUTUAL FUNDS (c/o Pesos and Sense)<div dir="ltr" style="text-align: left;" trbidi="on">
What is a <a href="http://adf.ly/1161922/pesos-and-sense-mfunds" target="_blank">MUTUAL FUND</a>?<br />
Why Invest in the <a href="http://adf.ly/1161922/why-invest-in-stocks" target="_blank">STOCK MARKET</a>?<br />
How does Investing in the STOCK MARKET thru MUTUAL FUNDs work?<br />
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Checkout this video from <a href="http://adf.ly/1161922/pesos-and-sense" target="_blank">Pesos and Sense</a>:<br />
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/PW1P-9cMob8?feature=player_embedded' frameborder='0'></iframe></div>
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<a href="http://adf.ly/1161922/pesos-and-sense" target="_blank">Pesos and Sense is a GMA News TV Program</a> which seeks to bring Financial Literacy to Filipinos.<br />
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Click <a href="http://adf.ly/1161922/philam-asset-mutual-funds" target="_blank">here</a> for additional MUTUAL FUNDS information from <a href="http://adf.ly/1161922/philam-asset-mutual-funds" target="_blank">Philam Asset Management, Inc. (PAMI)</a>.</div>
healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com4tag:blogger.com,1999:blog-6536844343742188419.post-68208643628819018932014-06-13T20:14:00.000-07:002014-06-13T20:14:32.435-07:00Why INVEST in the STOCK MARKET?<div dir="ltr" style="text-align: left;" trbidi="on">
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Are you still putting your hard-earned SAVINGS in regular bank accounts which gives you only around 1% return per year?</div>
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<a href="http://4.bp.blogspot.com/-fgcI5MoIEmg/U5u6t1h03eI/AAAAAAAAAH8/JuGbVRBu8RI/s1600/001__Why_Invest_In_Stocks.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-fgcI5MoIEmg/U5u6t1h03eI/AAAAAAAAAH8/JuGbVRBu8RI/s1600/001__Why_Invest_In_Stocks.jpg" height="305" width="400" /></a></div>
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To Learn more about Investing in the Stock Market (thru Mutual Funds):</div>
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Click here: <a href="http://j.gs/1161922/investing-in-mutual-funds" target="_blank">Investing in Mutual Funds</a>.</div>
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healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com2tag:blogger.com,1999:blog-6536844343742188419.post-48191434365770455962013-08-20T17:23:00.000-07:002013-08-20T17:23:18.829-07:00INVEST in KNOWLEDGE First! -- KNOW and LEARN Where to Invest First! ... (To avoid scams too.)<div dir="ltr" style="text-align: left;" trbidi="on">
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ANC On The Money: Growing Your Money Via <a href="http://j.gs/1161922/investing-in-mutual-funds" target="_blank">Mutual Funds</a></div>
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/QOS7pOhNnig?feature=player_embedded' frameborder='0'></iframe></div>
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See <a href="http://j.gs/1161922/investing-in-mutual-funds" target="_blank">Investing in Mutual Funds</a> to learn more.</div>
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See also: <a href="http://adf.ly/1161922/philippines-list-of-funds-bloomberg" target="_blank">List of Investment Funds in the Philippines from Bloomberg.com</a>.</div>
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healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com4tag:blogger.com,1999:blog-6536844343742188419.post-4183338568083336282013-08-03T23:38:00.000-07:002013-08-03T23:40:38.594-07:00Performance Charts of Investment Funds in the Philippines (Mutual Funds and UITFs)<div dir="ltr" style="text-align: left;" trbidi="on">
Do you want to regularly monitor the Performance Charts of your Investment Funds in the Philippines?<br />
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Are you looking for the Performance Charts of the Philippine based Mutual Funds from the following Asset Management companies?<br />
-- <a href="http://adf.ly/1161922/b-pami-mutual-funds" target="_blank"><span style="color: blue;">Philam Asset Management, Inc. Funds</span></a><br />
-- <a href="http://adf.ly/1161922/b-fami-mutual-funds" target="_blank"><span style="color: blue;">First Metro Asset Management, Inc. Funds</span></a><br />
-- <a href="http://adf.ly/1161922/b-pemi-mutual-funds" target="_blank"><span style="color: blue;">Philequity Management, Inc. Funds</span></a><br />
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How about the Performance Charts of Philippine based Unit Investment Trust Funds (UITFs)?<br />
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Then checkout this page at Bloomberg.com's website which lists the links to the Historical Performance Charts of Philippine based Mutual Funds and UITFs:<br />
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Click on the link below:<br />
<a href="http://adf.ly/1161922/philippines-list-of-funds-bloomberg" target="_blank"><b><span style="color: blue;">List of Investment Funds in the Philippines @ Bloomberg.com</span></b></a><br />
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<img border="0" height="271" src="http://3.bp.blogspot.com/-1KM9A9qVAwk/Uf3uCJzDl0I/AAAAAAAAAGs/J2ktdYqrv7E/s400/Bloomberg_List_of_Investment_Funds_Philippines.JPG" width="400" /></div>
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healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-18141823652080339632013-05-24T21:43:00.000-07:002013-05-24T21:43:44.149-07:00Bo Sanchez on ANC's "On The Money" talking about INVESTING in the STOCK MARKET<div dir="ltr" style="text-align: left;" trbidi="on">
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/qfIRnCSuRiY?feature=player_embedded' frameborder='0'></iframe></div>
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Well Known Preacher and Best Selling Author Bo Sanchez on ANC's "On The Money" sharing about Financial Literacy and Investing in the Stock Market.</div>
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healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com1tag:blogger.com,1999:blog-6536844343742188419.post-24142924168501588042013-04-30T14:48:00.001-07:002013-04-30T14:48:51.821-07:00If you Invested in Philam Mutual Funds<div dir="ltr" style="text-align: left;" trbidi="on">
IF YOU INVESTED in the Philam Strategic Growth Fund during the Peak of the World Financial Crisis of 2008...<br />
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<a href="http://2.bp.blogspot.com/-lTXU54KJoy8/UYA7rFTXsgI/AAAAAAAAAGQ/jx2lNOmCGB4/s1600/Philam+Strategic+Growth+Fund+-+2013-04-29c.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="306" src="http://2.bp.blogspot.com/-lTXU54KJoy8/UYA7rFTXsgI/AAAAAAAAAGQ/jx2lNOmCGB4/s400/Philam+Strategic+Growth+Fund+-+2013-04-29c.JPG" width="400" /></a></div>
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Your Investment would have gained 385% in just over 4 years time.</div>
healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com1tag:blogger.com,1999:blog-6536844343742188419.post-68489373811621674422012-12-28T20:50:00.001-08:002012-12-28T20:50:26.675-08:00If you Invested in Philam Mutual Funds <div dir="ltr" style="text-align: left;" trbidi="on">
IF YOU INVESTED in the Philam Strategic Growth Fund during the Peak of the World Financial Crisis of 2008...<br />
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<a href="http://1.bp.blogspot.com/-HEpREmjuWKg/UN5zMPouokI/AAAAAAAAAF4/ZN3pMj7yZPQ/s1600/Philam+Strategic+Growth+Fund+-+2012-12-27+w+Comments.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="315" src="http://1.bp.blogspot.com/-HEpREmjuWKg/UN5zMPouokI/AAAAAAAAAF4/ZN3pMj7yZPQ/s400/Philam+Strategic+Growth+Fund+-+2012-12-27+w+Comments.JPG" width="400" /></a></div>
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<span style="font-size: large;">Your Investment would have gained 320% in just about 4 years time.</span></div>
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See also: <a href="http://j.gs/1161922/investing-in-mutual-funds" target="_blank">About Investing in Mutual Funds</a> </div>
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healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-32583912404012847502012-11-24T05:22:00.002-08:002012-11-24T05:22:51.434-08:00INVEST IN THE PHILIPPINES!<div dir="ltr" style="text-align: left;" trbidi="on">
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Very informative promotional video about the advantages of investing in the Philippines.</div>
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/iSO7ButQPmg?feature=player_embedded' frameborder='0'></iframe></div>
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healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-35701016111353495612012-10-25T17:31:00.002-07:002012-10-25T17:48:44.005-07:00Is Investing in the Stock Market only for the Very Rich and Highly Sophisticated People?<div dir="ltr" style="text-align: left;" trbidi="on">
Checkout this FREE E-book by best-selling author and international speaker Bo Sanchez to know the answer.<br />
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<a href="http://2.bp.blogspot.com/-NIQn-UcDlvM/UInXEhBwxmI/AAAAAAAAAFk/CeTzOJsbEzk/s1600/Bo+Sanchez+-+My+Maid+Invests.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://2.bp.blogspot.com/-NIQn-UcDlvM/UInXEhBwxmI/AAAAAAAAAFk/CeTzOJsbEzk/s320/Bo+Sanchez+-+My+Maid+Invests.JPG" width="302" /></a></div>
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Click <a href="http://adf.ly/1161922/bosanchez-my-maid-invests-in-stocks" target="_blank">HERE</a> to download the FREE PDF E-book from <a href="http://adf.ly/1161922/citiseconlinecom" target="_blank">Citiseconline.com</a>.<br />
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Other resources:<br />
<a href="http://adf.ly/1161922/why-invest-in-stocks" target="_blank">Why Invest in the Stock Market?</a><br />
<a href="http://adf.ly/1161922/pesos-n-sense-stock-market" target="_blank">Pesos and Sense Videos on the Stock Market</a> (<a href="http://adf.ly/1161922/pesos-and-sense" target="_blank">Pesos and Sense</a> is a GMA NEWS TV Program)</div>
healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-59798677810713751322012-10-22T06:45:00.001-07:002012-10-22T06:45:23.924-07:00Pesos and Sense Video: The Stock Market<div dir="ltr" style="text-align: left;" trbidi="on">
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Checkout this very informative video from <a href="http://adf.ly/1161922/pesos-and-sense" target="_blank">Pesos and Sense</a> explaining the <a href="http://adf.ly/1161922/why-invest-in-stocks" target="_blank">Stock Market</a> and about being Part-Owners (or Shareholders) of corporations:<br />
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/o8xi6wlkazs?feature=player_embedded' frameborder='0'></iframe></div>
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<span style="text-align: left;">(</span><a href="http://adf.ly/1161922/pesos-and-sense" style="text-align: left;" target="_blank">Pesos and Sense</a><span style="text-align: left;"> is a GMA NEWS TV Program advocating </span><a href="http://j.gs/SHB" style="text-align: left;" target="_blank">Financial Literacy for Filipinos</a><span style="text-align: left;">).</span></div>
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<span style="text-align: left;">Click <a href="http://adf.ly/1161922/pesos-n-sense-stock-market" target="_blank">here</a> for other Financial Literacy Videos from Pesos and Sense.</span></div>
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healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-15576242044905319462012-10-20T22:31:00.000-07:002012-10-20T22:38:31.973-07:00GMA News - Investing in Philippine Stocks: A Quick Guide<div dir="ltr" style="text-align: left;" trbidi="on">
A very good article from GMA News about Investing in Philippine Stocks.<br />
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Excerpt:<br />
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<span style="background-color: white; font-family: Arial, Tahoma; font-size: 14px; line-height: 21px;">"Yung stock market natin is one of the oldest in the Asia Pacific... We have to educate the Filipinos about these investments… that [the stock market] could be a very good alternative investment instrument to everybody, not only for rich Filipinos,” </span><span style="background-color: white; font-family: Arial, Tahoma; font-size: 14px; line-height: 21px;">- </span><span style="font-family: Arial, Tahoma;"><span style="font-size: 14px; line-height: 21px;">Jay Peñaflor, Assistant Head of the Philippine Stock Exchange (PSE) Market Education department.</span></span></blockquote>
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Checkout the link below for the whole article:<br />
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<a href="http://adf.ly/1161922/gma-news-investing-in-phil-stocks" target="_blank">GMA News - Investing in Philippine Stocks: A Quick Guide</a>,<br />
April 5, 2012</div>
healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-59955470353479668932012-10-19T21:38:00.000-07:002012-10-20T19:45:05.834-07:00Why Invest in the Stock Market?<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://2.bp.blogspot.com/-YzUHRDPJpsQ/UIIoA2UwrPI/AAAAAAAAAFU/ldZ7zazHK2s/s1600/DIY+Investing+in+the+Stock+Market+-+Why+Invest+in+the+Stock+Market.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="http://2.bp.blogspot.com/-YzUHRDPJpsQ/UIIoA2UwrPI/AAAAAAAAAFU/ldZ7zazHK2s/s400/DIY+Investing+in+the+Stock+Market+-+Why+Invest+in+the+Stock+Market.gif" width="400" /></a></div>
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Helpful Tutorials on Stock Market Investing:</div>
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<Videos from <a href="http://adf.ly/1161922/investopediacom">Investopedia.com</a>></div>
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<ul style="text-align: left;">
<li> <a href="http://adf.ly/1161922/investopedia-inflation" target="_blank">What is INFLATION?</a> </li>
<li> <a href="http://adf.ly/1161922/investopedia---what-are-stocks" target="_blank">What are STOCKS?</a></li>
<li> <a href="http://adf.ly/1161922/investopedia-mutual-funds" target="_blank">What is a Mutual Fund?</a></li>
</ul>
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<Videos from <a href="http://adf.ly/1161922/pesos-and-sense" target="_blank">Pesos and Sense</a>> </div>
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<span style="font-size: x-small;">(a GMA News TV Program advocating Financial Literacy awareness.)</span></div>
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<ul style="text-align: left;">
<li> <a href="http://adf.ly/1161922/pesos-n-sense-stock-market" target="_blank">The Stock Market</a> (Featuring popular author and motivational speaker Bo Sanchez)</li>
</ul>
<ul style="text-align: left;">
<li> <a href="http://adf.ly/1161922/pesos-n-sense-mutual-funds" target="_blank">Investing in Stocks thru Mutual Funds</a></li>
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<a href="http://adf.ly/1161922/bangko-sentral-website" target="_blank">Bangko Sentral ng Pilipinas Website</a></div>
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<a href="http://adf.ly/1161922/phil-stock-exchange" target="_blank">Philippine Stock Exchange Website</a></div>
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healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-43379987299004292542012-03-01T05:05:00.001-08:002012-03-01T05:15:48.422-08:00Risk VS Reward:<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: left;">
Know what you are risking and what opportunities you are missing (So Click on the Picture below)...</div>
<div class="separator" style="clear: both; text-align: left;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-TSSu3i4ydTo/T09zNLEobQI/AAAAAAAAAFM/I8Ir5I7y3mA/s1600/HealthyWealthPH+Risk+Reward+Pyramid.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="311" src="http://3.bp.blogspot.com/-TSSu3i4ydTo/T09zNLEobQI/AAAAAAAAAFM/I8Ir5I7y3mA/s400/HealthyWealthPH+Risk+Reward+Pyramid.gif" width="400" /></a></div>
<br /></div>healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-83983171991484441972012-01-14T01:00:00.000-08:002012-01-14T01:00:04.332-08:00Is Personal Finance Management "Rocket Science"?<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
In a yearly study conducted by Citibank, it was determined that the average Filipino income earner has a low Financial IQ of around 48 (out of 100).<br />
(Please refer to this <a href="http://www.gmanews.tv/story/222464/business/filipinos-are-optimistic-but-low-on-financial-iq-says-citibank-survey" target="_blank">2011 Study</a> which indicates that the average Filipino earner is not knowledgeable in basic money management skills.)<br />
<br />
This study may be some indicator that to the average Filipino, Personal Finance Management is a "rocket science" which requires very serious study and complex mathematics to understand.<br />
<br />
But the fact of the matter is that Personal Finance Management is just an easy collection of very simple and practical rules even an elementary kid can understand.<br />
<br />
Checkout the rules below and see if you agree.<br />
(The rules are even simplified into a "Ten Commandments" format to make it easier to remember):<br />
<br />
Ten Commandments of Personal Finance Management<br />
I. Thou Shalt Take Action<br />
II. Thou Shalt Pay Off All Credit Card Debt<br />
III. Thou Shalt Understand the Difference Between WANTS and NEEDS<br />
IV. Thou Shalt Live on Less Than You Earn<br />
V. Thou Shalt Pay Yourself First<br />
VI. Thou Shalt Set Financial Goals<br />
VII. Thou Shalt Educate Yourself and Be Responsible for Your Decision<br />
VIII. Thou Shalt Save and Invest<br />
IX. Thou Shalt Protect Your Finances<br />
X. Thou Shalt Donate to Worthy Causes and Those Less Fortunate<br />
<br />
Source:<br />
http://www.thestreet.com/newsanalysis/opinion/10370223.html<br />
<br />
So, is Personal Finance Management "rocket science"?<br />
Will the average Filipino find these rules difficult to comprehend?<br />
What do you think?<br />
</div>healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com1tag:blogger.com,1999:blog-6536844343742188419.post-42335340483315444902011-12-02T18:15:00.000-08:002011-12-05T09:59:14.364-08:00Financial Stages -- Nag Level-Up ka na ba?<div id="__ss_9938358" style="width: 425px;">
<strong style="display: block; margin: 12px 0 4px;"><a href="http://j.gs/SBe" target="_blank" title="Personal Finance Basics - Financial Stages">Personal Finance Basics - Financial Stages</a></strong> <iframe frameborder="0" height="355" marginheight="0" marginwidth="0" scrolling="no" src="http://www.slideshare.net/slideshow/embed_code/9938358" width="425"></iframe> <br />
<div style="padding: 5px 0 12px;">
View more <a href="http://www.slideshare.net/" target="_blank">presentations</a> from <a href="http://j.gs/SBe" target="_blank">Healthywealth Phils</a></div>
</div>healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-62090944722998999432011-11-15T07:39:00.000-08:002012-10-20T22:00:33.703-07:001 out of 10 OFWs financially broke: study<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
By Macel Ingles, ABS-CBN Europe News Bureau and U.S. News Agency / Asian<br />
(www.usnewslasvegas.com, Nov. 12, 2011)<br />
<blockquote class="tr_bq">
...<br />
The study made by the Social Enterprise Development Partnerships Inc. (SEDPI) also showed that <i>most or around 80% of Filipinos working abroad</i> <i>overspend</i> on investments on <i>houses and home improvements</i>.</blockquote>
<blockquote class="tr_bq">
Also, 8 out of 10 do not have savings and are unable to prepare for their retirement or return to the country and are caught in a cycle of debt and poverty<br />
...<br />
According to Vincent Rapisura, CEO of SEDPI, it is a sad phenomenon that OFWs do not enjoy financial stability despite years of working abroad.<br />
...</blockquote>
Read more: <a href="http://j.gs/SBY" target="_blank">1 out of 10 OFWs financially broke: study</a><br />
(Source: http://www.usnewslasvegas.com)</div>
healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-51221263371032982362011-11-10T00:25:00.000-08:002011-12-05T09:50:34.712-08:00Work "smart". Not just work "hard". Be Financially Literate. -- (To avoid scams too).<br />
As part of the advocacy of this blog, let me share the article below from our Senator Ed Angara about the sad state of "financial illiteracy" affecting most Filipinos.<br />
<br />
I hope we take this as a challenge and motivation to educate ourselves on this very important skill-set so that we will later reap the benefits of this "investment" in financial education by knowing how to make our money work harder for us and not us working harder for money.<br />
<br />
In other words, financial literacy will allow us Filipinos to earn better by working "smarter" instead of simply working "harder".<br />
<br />
Isn't that a good thing if we have more free time for our families instead of working overtime for money?<br />
<br />
I hope more Filipinos will be enlightened on the need for Financial Literacy for them to be better able to manage and grow their earning power (actively and passively) more efficiently. At the same time this will also contribute to more investments in our local industries. This, in turn, will lead to improvements in our economy, more jobs for the Filipinos, and a future First World financial status for the Philippines.<br />
<br />
Go Philippines!<br />
<br />
<blockquote>
<b><a href="http://j.gs/SBZ" target="_blank">Angara calls for 'financial literacy' for Filipinos</a></b> </blockquote>
<blockquote>
While Filipinos are obsessed with political news and are keen followers of most political developments, they are sadly stuck in a depressing state of "financial illiteracy" which has dragged down economic growth, Senator Edgardo J. Angara has lamented.</blockquote>
<blockquote>
Angara, chairman of the senate committee on banks, said that the "financial illiteracy" that afflicts most Filipinos has dampened investments, failed to develop new financial instruments and constricted the growth of the stock exchange. </blockquote>
<blockquote>
"We are so financially illiterate that we can not even get people to invest in the capital market. And it often takes a long, long while before new financial instruments are offered to would-be-investors," Angara said during a recent financial forum that introduced the REIT, a special real estate investment vehicle. </blockquote>
<blockquote>
The banking system holds a staggering amount of US$80 billion, money which should not have sitting in banks had there been a wide menu of investment and opportunities instruments available", according to Angara. </blockquote>
<blockquote>
"We cannot even unlock the investment power of money locked in the banks and this is a sad thing," said Angara. </blockquote>
<blockquote>
Even the financial pyramiding scams are proof that people have money to invest and are on the lookout on where to place their money. </blockquote>
<blockquote>
"The financial pyramids have been built by people who want to generate income from their money. There is really money lying around waiting to be tapped and the architects of the pyramiding scam tapped into this kind of money," he added. </blockquote>
<blockquote>
Angara said the stock exchange is constrained by the limited number of companies listed in it and there is very little financial sophistication to push people into investing into the stock market. </blockquote>
<blockquote>
The efforts to expand the market and lure in the investors are hamstrung by the lack of interest in financial journalism and business news, said Angara. </blockquote>
<blockquote>
"Unlike in other countries where people read the developments in the stock market and other financial markets with real interest, there is no similar enthusiasm here for financial and business news and this has not helped increase the financial sophistication of Filipinos who want to invest", added Angara. </blockquote>
<blockquote>
The pre-need firms, he said, are generally regarded as steady anchors of the capital market in developed economies but this is not the case in the Philippines. </blockquote>
<blockquote>
"There is an urgent need to put in place sweeping reforms in the pre-need industry to transform the industry into a powerful component of the capital market", said Angara. </blockquote>
<blockquote>
Angara said that people with money also invest in land but since these buyers have no solid grounding in the real estate market, "liquidity often turns out into illiquidity."</blockquote>
<blockquote class="tr_bq">
Source: <a href="http://j.gs/SBZ" target="_blank">Angara calls for 'Financial Literacy' for Filipinos</a> (http://www.edangara.com) </blockquote>healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-92060759597346304802011-10-28T10:00:00.000-07:002011-10-28T10:00:32.042-07:00Having problems paying your Credit Card debts?<br />
Maybe this quote below explains some of the reasons why...<br />
<br />
Will Rogers Quote on Money, Debt, and a pretentious lifestyle:<br />
<br />
<b>“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.”</b><br />
― Will Rogers<br />healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-54547371362729763792011-10-28T00:49:00.000-07:002011-10-28T00:49:03.225-07:00<br />
<span class="Apple-style-span" style="font-size: large;">Step 6. Get Protection or Income Replacement Strategies (a.k.a. Insurance):</span><br />
<br />
<div style="display: inline !important;">
<br />
Like an emergency fund, insurance protection is intended to be like a financial shock absorber to protect you and your family's financial stability during those times when undesired emergencies or bumps in the road of life are encountered. Insurance protection (also known as Income Replacement Strategies) are designed to provide an alternative source of income for you (or your family) when the income generating capacity of the breadwinner of the family is impaired or stopped. (Wherein the breadwinner is any member of the family or a business vehicle which provides the income for the household needs).<br />
<br />
Basically, insurance protection serves the following strategic purposes:<br />
<br />
I. Provide you and your family financial stability during emergencies;<br />
II. Prevent you (or your family) from resorting to high interests loans/debts during emergencies;<br />
III. Prevent you from cashing out your long term investment accounts before the intended goals of the investments are achieved.<br />
<br />
So avail of Income Replacement Strategies (thru Insurance) to protect the income generating machine/s of the family.<br />
</div>healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-52070231694349849942011-10-18T01:24:00.000-07:002011-10-18T03:25:19.086-07:00Mr. Save EARLY vs Mr. Save LATER<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Maximizing the Power of Compound Interest</span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><b>Mr. Save EARLY:</b></span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">-> Invests P20,000/year for 8 years @12% annual interest.</span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">-> Started investing earlier @ age 21 yrs old.</span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">-> Total Contributions = P160,000.</span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><b>Mr. Save LATER:</b></span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">-> Invests P20,000/year for 22 years @12% annual interest.</span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">-> Started investing at a later age (29 yrs old).</span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">-> Total Contributions = P440,000.</span></div>
<div>
<span class="Apple-style-span" style="font-size: large;"><br /></span></div>
<div>
<span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Whose savings will gain and perform better (and at a much lower cost)?</span></span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><i>--> Checkout the results below when both men will reach the age of 50. </i></span></div>
<div>
<span class="Apple-style-span" style="font-family: Arial;"><br /></span></div>
<table border="0" cellspacing="0" cols="6" frame="VOID" rules="NONE">
<colgroup><col width="57"></col><col width="105"></col><col width="124"></col><col width="105"></col><col width="124"></col><col width="9"></col></colgroup>
<tbody>
<tr>
<td align="CENTER" height="17" valign="MIDDLE" width="57"><b><span style="color: blue; font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="CENTER" bgcolor="#800080" colspan="2" rowspan="2" sdnum="1033;0;#,##0" style="border-left: 1px solid #000000;" valign="MIDDLE" width="229"><b><span style="color: yellow; font-family: 'Trebuchet MS';">Mr. Save EARLY @</span></b></td>
<td align="CENTER" bgcolor="#800080" colspan="2" rowspan="2" sdnum="1033;0;#,##0" style="border-left: 1px solid #000000;" valign="MIDDLE" width="229"><b><span style="color: yellow; font-family: 'Trebuchet MS';">Mr. Save LATER @</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;" width="9"><span style="color: blue; font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="17" valign="MIDDLE"><b><span style="color: blue; font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="color: blue; font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="29" valign="MIDDLE"><b><span style="color: blue; font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="CENTER" bgcolor="#E6E6FF" sdnum="1033;0;#,##0" style="border-left: 1px solid #000000;" valign="MIDDLE"><b><span style="color: blue; font-family: 'Trebuchet MS';">Annual Interest Rate =</span></b></td>
<td align="CENTER" bgcolor="#E6E6FF" sdnum="1033;0;0.00%" sdval="0.12" valign="MIDDLE"><b><span style="color: blue; font-family: 'Trebuchet MS';">12.00%</span></b></td>
<td align="CENTER" bgcolor="#E6E6FF" sdnum="1033;0;#,##0" style="border-left: 1px solid #000000;" valign="MIDDLE"><b><span style="color: blue; font-family: 'Trebuchet MS';">Annual Interest Rate =</span></b></td>
<td align="CENTER" bgcolor="#E6E6FF" sdnum="1033;0;0.00%" sdval="0.12" valign="MIDDLE"><b><span style="color: blue; font-family: 'Trebuchet MS';">12.00%</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><b><span style="color: blue; font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
<tr>
<td align="CENTER" bgcolor="#99CCFF" height="56" style="border-left: 1px solid #000000; border-top: 1px solid #000000;" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">Age</span></b></td>
<td align="CENTER" bgcolor="#FFCC99" sdnum="1033;0;#,##0" style="border-left: 1px solid #000000;" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">Payment / Contributions</span></b></td>
<td align="CENTER" bgcolor="#FFCC99" sdnum="1033;0;#,##0" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">Accumulated Amount (End of Year)</span></b></td>
<td align="CENTER" bgcolor="#FFCC99" sdnum="1033;0;0.00" style="border-left: 1px solid #000000;" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">Payment / Contributions</span></b></td>
<td align="CENTER" bgcolor="#FFCC99" sdnum="1033;0;0.00" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">Accumulated Amount (End of Year)</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="21" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">21</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="22400"><span style="font-family: 'Trebuchet MS';">22,400</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="22" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">22</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="47488"><span style="font-family: 'Trebuchet MS';">47,488</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="23" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">23</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="75586.56"><span style="font-family: 'Trebuchet MS';">75,587</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="24" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">24</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="107056.9472"><span style="font-family: 'Trebuchet MS';">107,057</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="25" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">25</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="142303.780864" style="border-bottom: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">142,304</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-bottom: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="26" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">26</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="181780.23456768"><span style="font-family: 'Trebuchet MS';">181,780</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="27" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">27</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="225993.862715802"><span style="font-family: 'Trebuchet MS';">225,994</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="28" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">28</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="275513.126241698"><span style="font-family: 'Trebuchet MS';">275,513</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="29" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">29</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="308574.701390702"><span style="font-family: 'Trebuchet MS';">308,575</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="22400"><span style="font-family: 'Trebuchet MS';">22,400</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="30" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">30</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="345603.665557586"><span style="font-family: 'Trebuchet MS';">345,604</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="47488"><span style="font-family: 'Trebuchet MS';">47,488</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="20" sdnum="1033;" sdval="31" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">31</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">0</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="387076.105424496" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">387,076</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">20,000</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="75586.56" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">75,587</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="32" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">32</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="433525.238075436"><span style="font-family: 'Trebuchet MS';">433,525</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="107056.9472"><span style="font-family: 'Trebuchet MS';">107,057</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="33" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">33</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="485548.266644488"><span style="font-family: 'Trebuchet MS';">485,548</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="142303.780864"><span style="font-family: 'Trebuchet MS';">142,304</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="34" style="border-left: 1px solid #000000; border-right: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">34</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="543814.058641827"><span style="font-family: 'Trebuchet MS';">543,814</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="181780.23456768"><span style="font-family: 'Trebuchet MS';">181,780</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="20" sdnum="1033;" sdval="35" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">35</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">0</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="609071.745678846" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">609,072</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">20,000</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="225993.862715802" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">225,994</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="36" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">36</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="682160.355160308"><span style="font-family: 'Trebuchet MS';">682,160</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="275513.126241698"><span style="font-family: 'Trebuchet MS';">275,513</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="37" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">37</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="764019.597779545"><span style="font-family: 'Trebuchet MS';">764,020</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="330974.701390702"><span style="font-family: 'Trebuchet MS';">330,975</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="38" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">38</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="855701.94951309"><span style="font-family: 'Trebuchet MS';">855,702</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="393091.665557586"><span style="font-family: 'Trebuchet MS';">393,092</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="20" sdnum="1033;" sdval="39" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">39</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">0</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="958386.183454661" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">958,386</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">20,000</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="462662.665424496" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">462,663</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="40" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">40</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1073392.52546922"><span style="font-family: 'Trebuchet MS';">1,073,393</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="540582.185275436"><span style="font-family: 'Trebuchet MS';">540,582</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="41" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">41</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1202199.62852553"><span style="font-family: 'Trebuchet MS';">1,202,200</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="627852.047508488"><span style="font-family: 'Trebuchet MS';">627,852</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="42" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">42</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1346463.58394859"><span style="font-family: 'Trebuchet MS';">1,346,464</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="725594.293209507"><span style="font-family: 'Trebuchet MS';">725,594</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="43" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">43</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1508039.21402242"><span style="font-family: 'Trebuchet MS';">1,508,039</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="835065.608394648"><span style="font-family: 'Trebuchet MS';">835,066</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="44" style="border-left: 1px solid #000000; border-right: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">44</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1689003.91970511"><span style="font-family: 'Trebuchet MS';">1,689,004</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="957673.481402006"><span style="font-family: 'Trebuchet MS';">957,673</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="20" sdnum="1033;" sdval="45" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">45</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">0</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1891684.39006973" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">1,891,684</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">20,000</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1094994.29917025" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">1,094,994</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="46" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">46</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="2118686.51687809"><span style="font-family: 'Trebuchet MS';">2,118,687</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1248793.61507068"><span style="font-family: 'Trebuchet MS';">1,248,794</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="47" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">47</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="2372928.89890346"><span style="font-family: 'Trebuchet MS';">2,372,929</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1421048.84887916"><span style="font-family: 'Trebuchet MS';">1,421,049</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="18" sdnum="1033;" sdval="48" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">48</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">0</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="2657680.36677188"><span style="font-family: 'Trebuchet MS';">2,657,680</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';">20,000</span></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1613974.71074466"><span style="font-family: 'Trebuchet MS';">1,613,975</span></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><span style="font-family: 'Trebuchet MS';"><br /></span></td>
</tr>
<tr>
<td align="CENTER" height="20" sdnum="1033;" sdval="49" style="border-left: 1px solid #000000; border-right: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">49</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0"><b><span style="color: #004586; font-family: 'Trebuchet MS';">0</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="2976602.01078451"><b><span style="color: #004586; font-family: 'Trebuchet MS';">2,976,602</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">20,000</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="1830051.67603402"><b><span style="color: #004586; font-family: 'Trebuchet MS';">1,830,052</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
<tr>
<td align="CENTER" height="20" sdnum="1033;" sdval="50" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">50</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="0" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">0</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="3333794.25207865" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">3,333,794</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="20000" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">20,000</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="2072057.8771581" style="border-bottom: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';">2,072,058</span></b></td>
<td align="LEFT" style="border-left: 1px solid #000000;"><b><span style="color: #004586; font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
<tr>
<td align="LEFT" height="22" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="160000" style="border-left: 1px solid #000000; border-right: 1px solid #000000;" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">160,000</span></b></td>
<td align="LEFT" sdnum="1033;0;0.00" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" sdval="440000" style="border-left: 1px solid #000000; border-right: 1px solid #000000;" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">440,000</span></b></td>
<td align="LEFT" sdnum="1033;0;0.00" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="LEFT" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
<tr>
<td align="CENTER" height="38" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000;" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">--> Total Payments</span></b></td>
<td align="CENTER" sdnum="1033;0;#,##0" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="CENTER" sdnum="1033;0;0.00" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000;" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';">--> Total Payments</span></b></td>
<td align="CENTER" sdnum="1033;0;0.00" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
<td align="CENTER" valign="MIDDLE"><b><span style="font-family: 'Trebuchet MS';"><br /></span></b></td>
</tr>
</tbody>
</table>
<br />
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><b>Results:</b></span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">-> Mr. Save EARLY reaped a lot more gains from his investment than Mr. Save LATER (P3,333,794 vs P2,072,058). A huge difference of P1,261,736. </span></div>
<div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">-> Mr. Save EARLY was able to achieve this at a very much lower cost than Mr. Save LATER. (P160,000 vs P440,000).</span><br />
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><br /></span><br />
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><b>Important Lessons from the above illustration: </b></span><br />
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">1. To maximize the power of compound interest in Savings/Investments, <i>START Saving/Investing EARLY.</i></span><br />
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">2. <i>Work Smarter, Not Harder</i>. <i>Let the power of compound interest Work For YOU thru Investments, and Not Against YOU thru Loans/Credit Card Debts.</i></span></div>healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com2tag:blogger.com,1999:blog-6536844343742188419.post-57865374890405168112011-10-06T01:38:00.000-07:002011-10-07T11:14:40.777-07:00The Explosive Power of Compound Interest<br />
<i>(A much neglected life changing concept and wealth building tool.)</i><br />
<blockquote>
<b><i><span class="Apple-style-span" style="color: magenta;">No one ought to be allowed to graduate from college or high school without understanding this concept.</span></i></b><br />
<i>- Dave Ramsey, Personal Finance Expert, Best Selling Author and Speaker.</i></blockquote>
The concept of percent and interest is taught in basic Filipino high school mathematics. But it is unfortunate that the application of this concept in everyday money management activities is not well emphasized in the high school lessons such that the "power of compound interest" sounds like an alien phrase to most graduates of high schools and even colleges in the Philippines.<br />
<br />
And yet this simple concept about the power of compound interest can potentially improve the financial and everyday life of the hardworking Filipino income earner.<br />
<br />
One important warning though about compound interest is that it can work for you or against you.<br />
--> It can work for you to increase your income (thru INVESTMENTs) or it can work against you to add to your expenses (thru LOANs and CREDIT CARD DEBTs).<br />
<br />
Which do you prefer? Which of the two options will allow you to attain Financial Independence and escape the Rat Race?<br />
--> (Clue: Let Others Pay You interest thru your INVESTMENTs instead of You Paying Interests thru your LOANs/DEBTs).<br />
<br />
Enjoy watching this video by Dave Ramsey on the Power of Compound Interest:<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/8eHDZSgNFbs?feature=player_embedded' frameborder='0'></iframe></div>
<br />healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com0tag:blogger.com,1999:blog-6536844343742188419.post-50973184014798586312011-10-03T01:56:00.000-07:002011-10-03T02:01:57.190-07:00Wealth Management and the Economy<br />
Several studies and surveys conducted has already established the direct connection between the wealth management skills of a country's population to the economic strength and wealth of the country:<br />
<br />
The better the money management and wealth building skills of the people as a whole, the better is the status and strength of the country's economy.<br />
<br />
Sad to see yet another study confirm the poor training in wealth building our Filipino kids are getting especially since we call them the future builders of our nation.<br />
<br />
Maybe this news article will motivate us to teach our future nation builders to not just spend, spend, spend, but also to save, invest, and build.<br />
<br />
<b>Filipino kids lack money management skills -- study</b><br />
BY DIANE CLAIRE J. JIAO, Reporter<br />
<br />
HONG KONG -- Almost all Filipino children have regular access to cash, but they still do not understand key money concepts, such as earning, saving and spending, and the impact these have on their lives, a study showed.<br />
...<br />
<br />
Read more:<br />
<a href="http://www.bworldonline.com/content.php?section=Finance&title=-Filipino-kids-lack-money-management-skills----study&id=37835">Filipino kids lack money management skills - study</a>healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com1tag:blogger.com,1999:blog-6536844343742188419.post-70651486759593944702011-09-28T22:46:00.000-07:002011-12-05T09:54:22.724-08:00Why our (Asian) neighbors are richer than usPhilippine Daily Inquirer, June 7, 2011<br />
By Randell Tiongson, RFP<br />
<br />
Excerpts:<br />
<blockquote>
I just read an article stating that Singapore has the highest concentration of millionaires in the world with 16 percent of its households having at least $1 million in assets, as determined by a study released by the Boston Consulting Group.<br />
...<br />
We don’t need to limit our sights to Singapore; we can also look at Thailand, Hong Kong, Malaysia and Indonesia and use them as a benchmark.<br />
...<br />
The answer to the question of why our neighbors are drastically richer than us partly lies with issues on economics.<br />
...<br />
One report we can look at is the national savings rate of said countries. Singapore leads the pack with an average savings rate of 50 percent.<br />
This means that on the average, Singaporeans spend half of their income and save and invest the other half; which is probably a huge reason why there are so many millionaires there.<br />
...<br />
Facts will show that the savings rate in Hong Kong, Indonesia, Malaysia and Thailand hovers between 30 and 40 percent, really encouraging statistics.<br />
...<br />
NEDA reports place the savings rate in the Philippines at between 12 and 16 percent. Following the 70-30 rule on spending and savings, there’s not much promise for our nation. <i><span class="Apple-style-span" style="color: magenta;">It is unfortunate that many Filipinos have embraced a First World consumerism lifestyle but have a Third World income. We simply do not save enough.</span></i></blockquote>
<br />
Read more:<br />
Philippine Daily Inquirer, <a href="http://j.gs/SBc" target="_blank">Why our neighbors are richer than us</a>healthy.wealth.philippineshttp://www.blogger.com/profile/05455576068378036626noreply@blogger.com1