How Do You Increase Your Cash Flow?

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Making the right use of your spare time can increase your cash flow

What Is A Mutual Fund?

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Know Your Options

What Is A Mutual Fund?

It is an investment company that pools money from numerous investors through the issuance of its shares to the public. The pooled funds are then invested by professional fund managers in various securities according to the investment objectives and policies of the company.

Benefits of Mutual Funds

Affordability. Most mutual funds in the Philippines require a minimum initial investment amount of only Php5,000.oo and minimum additional investments of Php1,000.00

Diversification. An investment principle that requires holding several securities to reduce the risks associated with investing in individual securities. When people invest in a mutual fund, they achieve instant diversification because the fund is required by law to invest in a wide array of securities.

Professional Management. One of the main attractions of mutual funds is the fact that it affords its investors, particularly the small ones, the services of full-time professional managers whose focus is to analyze the various investment products available in the market and actively select those that would give the best possible returns to the fund and its shareholders.

Tax-free. Gains realized by investors upon redemption of their shares in a mutual fund have been excluded from the definition of gross income effective January 1, 1998 and are, therefore, not subject to personal income tax (R.A. #8424)

Our Mutual Fund Partners

soldivo funds philequity philam asset management inc ATR KimEng

Know your options. Attend our #mutualfund training at IMG (International Marketing Group). Contact me for details.

What Are Your Goals?

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What are your GoalsThe reason it is so important for you to set and achieve goals is that you have a unique purpose that only you can fulfill. It’s kind of like building your own house — something you had better not attempt without a clear vision of your goals and a good set of blueprints, or you may wind up with some extra doors or windows and no place to put them!God is the architect of your life. His Word is a blueprint of His hopes and plans for your life. Trust Him to help you set your goals. If you have a problem being focused and setting goals for your life, one of the best things you can do is to start writing them down, both short-term and long-term ones. It’s amazing how your life can begin to take shape when you can see on paper where you want to go


cf: Today’s Word with Joel and Victoria

Happy Saints Prayer to the Holy Family

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Happy Saints Prayer to the Holy Family

Prayer to the Holy Family

Lord Jesus Christ, Who, being made subject to Mary and Joseph, did consecrate domestic life by Your ineffable virtues; grant that we, with the assistance of both, may be taught by the example of Your Holy Family and may attain to its everlasting fellowship. Who lives and reigns forever. Amen.

Not A Fairy Tale

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Golden Egg in NestMost of us remember the story of the goose that laid the golden eggs.  The owner of the goose discovered a golden egg in the goose’s nest.  Each morning there was another, so instead of patiently waiting for the goose to lay those eggs each day, he foolishly killed the goose, thinking he would find himself a mine of golden eggs.  Of course, there were none.  Most of us as small children thought the story was interesting and was apparently designed to teach us a lesson in patience.  Today, as adults, we consider it foolishness personified to believe in a goose that lays golden eggs and that to kill him we’d get all of them at once, but here’s a story about a man who did exactly that:

Steve Brown tells the story on “Key Life,” his daily radio program.  A young man from Korea told Steve about a movie theater manager in Korea whose theater was showing “The Sound Of Music” to a packed house for every showing.  Because it was a popular movie and many people were coming to see it, he wanted to find a way for more people to see it so he could make more money.  He decided to shorten the movie so he could show it more times, so he took out all of the music.

He took the heart out of the movie and I don’t think I need to tell you what happened to the crowds.   The owner had completely missed the point and had taken out the part of the movie which everybody wanted to hear.  When greed enters the picture, bad things happen, sometimes quickly, but virtually always in the long run.  Those movie-goers wanted to see a good movie with great music.  When they did not get the music they wanted, they stopped giving the theater manager what he wanted – the profit he would have made had he continued to deliver value.  Always deliver value and I’ll SEE YOU AT THE TOP!


reposted from Zig Ziglar Newsletter


The Seasons Of Our Lives

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When you look back at your seasons of life, what do you see?

I retired early and gave up a high-paying job and the potential to become a top executive in Shell. It was at that moment when most of my colleagues were afraid to do what I just did.

I have no regrets because God gave me the “awakening” I needed to realize that these intrinsic treasures of life are free, like having a personal relationship with God and family, bonding with real friends, being free from stress, and having lots of free time.

Retiring early does not necessarily compromise your ability to buy things. In fact, it gave me the freedom to be who I wanted to become.

Early retirement is about having enough funds to live on, but more importantly having enough fun to live for.

There are four seasons of life. Springtime is when we begin new things and look excitedly towards the future. Summer comes and we work diligently in the heat of the sun. Autumn brings the harvest season of things, which began at the early stage of our lives. Winter brings an end to a particular period of our lives.

But the winter ending is only about the first half of our lives. As a happy retiree, we start again with a new springtime. This is when we are more mature and experienced to take full advantage of what lies ahead.

As Marie von Ebner-Eschenbach said: “In youth, we learn. In age, we understand.”

how to become a happy retiree

Excerpt is taken from How to Become a Happy Retiree: A Guide to Retiring Wealthy and Worthy in Your 40s by Dean Pax Lapid