-
10 Things You MUST Know Before Getting a Loan in the Philippines (So You Won’t Regret It Later)
Taking out a loan isn’t just about borrowing money — it’s about protecting your future self. In the Philippines, where every lender has different requirements, interest rates, and approval timelines, the smartest borrowers are the ones who prepare before applying. Whether you’re an OFW, seafarer, employee, professional, or business owner, these ten insights will help you make confident and informed loan decisions. 1. Start With the WHY — Because Purpose Predicts the Loan Before you ask “Magkano ang kaya ko?”, ask yourself: “Para saan ba talaga ‘to?” Your purpose determines: Examples: A clear purpose prevents costly mismatches. 2. Know Your Real Capacity — Not Your Dream Capacity Many Filipinos calculate…
-
Budgeting 101: A Simple Guide
Welcome to my new blog series focused on helping fellow kababayans take control of their finances! I’m Je-anne, a mother of two and financial advisor passionate about empowering others to achieve their money goals through education. Let’s start with one of the most fundamental financial principles – budgeting. Having and following a budget is key to effectively managing your hard-earned pesos. Simply put, a budget is a plan for how much you earn and spend over a set period of time, usually monthly. When you first start budgeting, begin by listing all of your regular income sources and amounts. This may include your salary, spouse’s income, rental income, interest earned,…
-
How Having Sufficient Insurance Will Make Your Generation Wealthy
One of the best ways to keep and grow wealth within the family is by taking advantage of insurance. There are robust insurance policies that would ensure a smooth transfer of wealth to generations. It remains one of the surest ways of securing the future of your kids and beneficiaries. There is no easy way to say that your wealth is not really secure until you ensure it. This informative piece takes a look at why having sufficient insurance will make your generation wealthy. LIFE INSURANCE IS ON THE GOOD SIDE OF TAX LAWS The wealthy can take advantage of the tax benefits on premium life insurance packages to protect…
-
The Art of Travel Writing: Capturing the Essence of a Place
As a writing wanderer, I have had the opportunity to explore the world and hone my craft as a travel writer. Travel writing is not just about recounting the places you visit. It’s about capturing the essence of a place and bringing it to life for your readers. Here are some tips for mastering the art of travel writing: 1. Immerse Yourself The first step in capturing the essence of a place is to immerse yourself in it. Spend time getting to know the people, the culture, and the history. Take notes on the sights, sounds, and smells that make the place unique. Don’t be afraid to step outside of…
-
Embracing the Journey: Thoughts and Musings of a Writing Wanderer
The Beauty of the Writing Journey Writing is a journey, and like any journey, it can have twists and turns, ups and downs, and unexpected detours. But every step of the way is an opportunity to grow, learn, and discover new things about yourself and the world around you. At times, the writing journey can be frustrating. You may encounter writer’s block, rejection, or self-doubt. But these challenges are an essential part of the journey. They teach us resilience, perseverance, and the importance of self-care. So, embrace the journey. Celebrate your successes, learn from your failures, and enjoy the ride. You never know where your writing will take you! Discovering…
