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Financial tips for Thirtysomethings

Monday, 16 June 2014 | Written by 

growing rich

By: Edmund Lao If you have not yet started laying the foundation for your financial future in your early years, the 30s will be the best time to start. By this time, your income may have already grown to a comfortable level. But your responsibility may be starting to keep pace as you would have been married and have a…Read more

What is Time?


Saturday, 31 May 2014 | Written by 

By: Edmund Lao The greatest gift you can give to someone is your time, because when you give your time, you are giving a portion of your life that you will never get back. — Anonymous Time is a commodity that is often taken for granted specially by Filipinos. A proof of this is coming late for appointments. The usual…

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When Do You Retire?

When Do You Retire?

19 May 2014

Written by Edmund Lao

Retiring from a job is not a factor of age. A lot of people think that retirement has to be at age 60. In fact, one can retire anytime as long as he wishes, but only on the condition that he has the financial capacity to retire. Retirement is a time when you stop going to work. It may be an opportunity to spend more time doing other things you enjoy. It also means that he is already free to do what he wants without being required to report to work for 8 hours. He has gained his freedom from being a corporate slave. He still can continue to earn income on the work that he loves to do.





Saturday, 17 May 2014
By: Edmund Lao
work smartIn our High School Physics, we were taught that the term work is weight lifted through a height. The French mathematician Gaspard-Gustave Coriolis defined work mathematically as applied force multiplied by the distance travelled by a body due to the force exerted onto it. This principle shows us that for a work to be done there must be an effort or hard work to get a result.

Personal finance tips for new graduates

Personal finance tips for new graduates

Friday, 9 May 2014
By Edmund Lao
graduationGraduation is an important occasion for students and parents. Graduation is not the end of all. It is actually the beginning of a struggle in the real world. By taking a look around our workplace, one will be able to see fellow employees who did well in school before but are now struggling financially. This goes to show that all they learned in school were technical skills that will enable them to land a decent job but not financial education that can change their lives. It is ironic that majority of the business taipans in the country did not finish schooling and yet have been successful in building their fortune. These taipans gave time to be educated on their own personal finance, not by school, but by experience.
The following tips can be learned by a new graduate from successful people:
1. Begin with the end in mind.

The Habit

It is often said that old habits are hard to die. In fact, during my younger years in the corporate world, I encountered an older subordinate who I felt was so stubborn. Every time I try to correct him, he unintentionally repeats the same mistake. To my exasperation, I just…

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Why Mutual Funds?

Why Mutual Funds?




A mutual fund is a company that pools investors’ money to make multiple types of investments, known as the portfolio. Stocks, bonds, balanced, and money market funds are all examples of the types of investments that may make up a mutual fund.



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