VUL (Variable Unit Linked) are life insurance plans that also has an investment component in it. Since it allows you to allocate portion of the premium to be invested in the stock market. Many ‘financial experts’ as they call themselves disagree with VULs, since, they say “life insurance policies are best taken separate from investments…
Category Archives: Wise Investing
Should I invest Before Election?
A great deal of people nowadays, shy away from investing their money. Scared of what the next year’s election will bring to them. “Ayoko muna mag-invest, after election na lang.” “Should I Invest Before Election?” Do you think it is a wise decision? Looking at the chart below, this is a Chart of Philippine economic…
The First Key to a Meaningful Wealth—If you don’t have this, You will never be Wealthy!
“Wealth is defined as the ability to generate profit, and that such profit is achieved by the duality of maximizing revenue and minimizing cost or loss.” – Mr. Aristides S. Merida, Jr. In the book – Dare to Journey: The Path to Meaningful Wealth What is Profit? Profit is defined by Investopedia as: A financial…
Buy Term Invest The Difference (BTID), is that for me? Myth vs Reality
Maybe some of you have heard of “Buy Term Invest the Difference” from your financial savvy friends or from some financial blogs you follow. This post will not be like the comparison between term and whole life, or pros and cons between the two. This post is about knowing if BTID is for you. So…
10 Chinese Proverbs on Money that will not only bring Luck
Happy Chinese New Year everyone. These wise Chinese proverbs will not only bring you good luck but deeper understanding will bring you true wealth. Read and reflect! 1. “In every crisis, there is opportunity.” This is especially true when you are investing. The market has its ups and downs. Usually, when there is crisis,…
Stock Investing 101 The Simplest Guide in to Stock Investing Part 1
A group of mommies asking questions about stock investing prompted me to write about this and I would like to make it as simple as possible. In helping you to learn more, I provided below some basic slides I used in my financial literacy lectures. Here it goes. When in comes to investing, there…
The Best Gift for Yourself this Christmas that Could last a Lifetime
Christmas is just around the corner as they say, 14 days to go, to be exact. If you are wondering and thinking, after all the hard work and working late for the entire year, what would be the best gift you can give yourself this Christmas. Cellphone? Camera? A new LED Television Set? What would…
Investment Scams: How Not to be a Victim?
Have you heard of the recent investment scam in Lucena City? They call themselves: GABAI (Grand Alliance Business Association Incorporated). Sadly, millions of pesos were taken not from rich business owners, but from ordinary Filipino workers and even poor families. Some even had to sell their carabaos and houses just for the promise guaranteed 40%…
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