18Mar 2019 by admin No Comments

Study, Work, Study Part 1 (Mutual Fund)

Debt, Education, Investment, Savings
By Johannes Pan Even though I just recently graduated from UP Diliman and started working, I already have plans to study again.  But unlike college where I enjoyed free tuition, graduate school will surely demand a hefty sum of money. So with very little to my name, what can I do?  What would you do in this situation? I could borrow from my parents.  However, and this is assuming they even have the money to pay for graduate school, doing so would put me in debt, which is not necessarily bad as some debts as strategic but is not how I want to start my adult life.  It would be as if I am not even trying. I have to at least show that I am doing my part in…
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14Feb 2019 by admin No Comments

Valentine’s Gift for Your Loved Ones

Death, Insurance, Investment
By Dian Ngo Happy Valentine’s Day! This day is usually the time when you reflect on your own love life. If you are single, you might be wondering why you are still (happily?) single. If you are in a relationship, you might be daydreaming about the perfect relationship. But for me, this is also a good time to celebrate with the family. Let us remember not to take for granted people who are always there for us. We may sometimes think that their love is there since they have no choice. Because of this, we tend to forget that they are the ones we need to treasure the most since they love us even though we are not perfect. As such, here are some ways we can show and celebrate…
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17Dec 2018 by admin No Comments

Parable of the Growing Money (VUL)

Insurance, Investment
By Johannes Pan When I started working, I was excited to apply what I learned from the financial planning talks I attended.  I made a budget journal to track my expenses and savings and then invest in a variable universal life (VUL) insurance fund.  I did the same for my parents, who at first looked at me as if I was taking away a bulk of their hard-earned money that they were supposed to enjoy in their few years before retirement. “But how do you intend to live through your retirement years?”  I asked them. My father replied, “We’ll just work in another church that accepts people who are over 65 years old.”  (My parents are pastors.) “We’ve always planned on working the rest of our lives like your grandparents…
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