Financial Consultations & Services

Financial Consultations & Services Money matters : planning , solutions and other concerns

Worth to repost:  ------- “30 YEARS KANG OFW. NOONG MAY SWELDO KA, LAHAT MAY KAILANGAN SA’YO. NGAYONG WALA KA NANG SWELD...
25/08/2026

Worth to repost:
-------
“30 YEARS KANG OFW. NOONG MAY SWELDO KA, LAHAT MAY KAILANGAN SA’YO. NGAYONG WALA KA NANG SWELDO—PARANG WALANG MAY KAYANG KUMUHA SA’YO.”

Noong malakas ka—
“Ma, tuition.”
“Pa, pambayad.”
“Ate, emergency.”
“Pwede makahiram?”
At lagi mong sagot:

“AKO NA.”

Ikaw ang nagpaaral.
Ikaw ang nagpagawa ng bahay.
Ikaw ang sumagot sa ospital.
Ikaw ang takbuhan kapag may problema.

At kapag sinasabihan kang:

“Magtira ka naman para sa sarili mo.”

Sagot mo:

“BAKIT? MAY MGA ANAK NAMAN AKO.”

Sigurado ka.

“Hindi nila ako pababayaan.”
“Alam nila lahat ng sakripisyo ko.”

“Pag ako naman ang nangailangan, sila naman.”

Hanggang dumating yung “sila naman.”

At hindi pala ganoon kasimple.
65 ka na.

Mahina na ang katawan.
May maintenance.
Hindi na kayang magtrabaho.
Wala nang contract.
Wala nang overtime.

AT WALA NA RING SWELDONG DATING DAHILAN KUNG BAKIT LAHAT TUMATAWAG SA’YO.

Ngayon ikaw ang tumatawag.

“Anak, pwede ba muna ako sa inyo?”

May sariling pamilya na siya.
“Ma, maliit bahay namin.”
Tinawagan mo yung isa.
“Hindi ko kaya ngayon, Ma. May mga bata.”
Yung isa?

“Tanungin natin si Ate.”
At biglang—

“KANINO MUNA SI MAMA?”
“IKAW MUNA KAY PAPA.”
“AKO NA NAMAN?”

Dati, pinag-uusapan nila kung magkano ang ipapadala mo.

Ngayon—

PINAG-UUSAPAN NILA KUNG SINO ANG MAY ORAS PARA SA’YO.

Dati ikaw ang naghahanap ng pera kapag may naospital.

Ngayon nasa wheelchair ka—
at sila ang nagtatanungan:
“Sino sasama sa checkup?”
“Sino bibili ng gamot?”
“Saan muna siya titira?”

At baka doon unang pumasok sa isip mo:

“AKALA KO BA MAY MGA ANAK AKO?”

Meron.

Mahal ka siguro nila.
Pero may sarili na rin silang buhay.
At eto ang hindi mo pinaghandaan:

ANG PAGMAMAHAL NG ANAK MO AY HINDI GARANTIYA NA MAY ORAS, PERA, SPACE AT KAKAYAHAN SIYANG ALAGAAN KA.

At baka dumating yung pinakamasakit na eksena:
Yung dating OFW na lahat gustong makausap kapag payday—

NGAYON NAGHIHINTAY KUNG SINONG ANAK ANG TATANGGAP SA KANYA.

Hindi dahil wala ka nang halaga.
Kundi dahil ginawa mong certainty ang isang bagay na hindi mo kontrolado:

“SILA NAMAN ANG SASALO SA AKIN.”

Pero paano kung walang “sila naman”?

Paano kung walang gustong tumigil sa trabaho?

Paano kung walang bakanteng kwarto?

Paano kung lahat may sariling bayarin?

Paano kung mahal ka nilang lahat—

PERO WALANG KAYANG BUHATIN ANG BUHAY MO?

OFW, habang malakas ka pa—

magbigay ka.
tumulong ka.
i-enjoy mo rin ang pinaghirapan mo.
Pero huwag mong ibigay hanggang pati matandang ikaw wala nang natira.

Magtabi ng pera.

Maghanda ng sariling tirahan.
Alagaan ang katawan mo.

MAGHANDA PARA HINDI MO KAILANGANG MAGHINTAY KUNG KANINONG BAHAY KA MAY SPACE.

Dahil after 20, 30 years na ikaw ang sumalo sa lahat—

MASAKIT KUNG SA HULI, IKAW NAMAN ANG PAGPAPASA-PASAHAN.

At eto ang tanong na ayaw nating sagutin habang malakas pa tayo:
KUNG WALANG ISA SA MGA ANAK MO ANG KAYANG KUMUHA SA’YO—ANO ANG PLANO MO?

Huwag mong hintaying mahina ka na bago mo malaman ang sagot.

1. 𝐏𝐚𝐫𝐞𝐡𝐨 𝐤𝐚𝐲𝐨𝐧𝐠 𝐦𝐚𝐲 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐯𝐚𝐥𝐮𝐞Kahit isa lang ang pangunahing kumikita, may malaking contribution ang bawat isa (in...
23/06/2026

1. 𝐏𝐚𝐫𝐞𝐡𝐨 𝐤𝐚𝐲𝐨𝐧𝐠 𝐦𝐚𝐲 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐯𝐚𝐥𝐮𝐞
Kahit isa lang ang pangunahing kumikita, may malaking contribution ang bawat isa (income, pag-aalaga ng bahay, pagpapalaki ng anak, support system).

2. 𝐏𝐫𝐨𝐭𝐞𝐤𝐬𝐲𝐨𝐧 𝐬𝐚 𝐩𝐚𝐦𝐢𝐥𝐲𝐚 𝐤𝐚𝐩𝐚𝐠 𝐦𝐚𝐲 𝐧𝐚𝐧𝐠𝐲𝐚𝐫𝐢
Kung mawala ang isa, may pwedeng ipambayad sa expenses, utang, education ng anak, at iba pang responsibilidad.

3. 𝐇𝐢𝐧𝐝𝐢 𝐦𝐚𝐬𝐚𝐬𝐚𝐲𝐚𝐧𝐠 𝐚𝐧𝐠 𝐩𝐢𝐧𝐚𝐠𝐡𝐢𝐫𝐚𝐩𝐚𝐧
Ang insurance ay parang safety net para hindi kailangang galawin agad ang savings o assets na pinaghirapan ninyo.

4. 𝐌𝐚𝐬 𝐦𝐚𝐠𝐚𝐧𝐝𝐚𝐧𝐠 𝐦𝐚𝐠𝐩𝐥𝐚𝐧𝐨 𝐡𝐚𝐛𝐚𝐧𝐠 𝐛𝐚𝐭𝐚 𝐚𝐭 𝐦𝐚𝐥𝐮𝐬𝐨𝐠
Mas madaling kumuha ng coverage habang okay ang health at mas affordable ang premium.

5. 𝐌𝐚𝐠𝐤𝐚𝐬𝐚𝐦𝐚 𝐤𝐚𝐲𝐨 𝐬𝐚 𝐩𝐚𝐠-𝐚𝐛𝐨𝐭 𝐧𝐠 𝐠𝐨𝐚𝐥𝐬
Bahay, negosyo, retirement, education ng anak — mas matibay ang plano kapag pareho kayong protected.

𝐓𝐮𝐥𝐮𝐧𝐠𝐚𝐧 𝐤𝐨 𝐤𝐚𝐲𝐨 𝐦𝐚𝐠𝐬𝐢𝐦𝐮𝐥𝐚 𝐦𝐚𝐠𝐚𝐬𝐚𝐰𝐚, 𝐦𝐞𝐬𝐬𝐚𝐠𝐞 𝐦𝐞.



CTTO

Good post to share: ------There is no single product that works perfectly for everyone. If a particular product doesn’t ...
18/06/2026

Good post to share:
------
There is no single product that works perfectly for everyone. If a particular product doesn’t suit you well, it doesn’t automatically mean the product is bad. Everyone has the freedom to make their own choices, so it’s important to understand your options, make informed decisions, and take responsibility for the choices you make rather than placing blame on others.




GIVE A FINANCIALLY UNEDUCATED PERSON A MILLION DOLLARS.THEY WILL LOSE IT.GIVE A FINANCIALLY EDUCATED PERSON NOTHING.THEY...
15/05/2026

GIVE A FINANCIALLY UNEDUCATED PERSON A MILLION DOLLARS.

THEY WILL LOSE IT.

GIVE A FINANCIALLY EDUCATED PERSON NOTHING.

THEY WILL BUILD IT.

In 1985 — Kim and I were homeless.

We lived out of the back of our own car for several months. We had nothing. No savings. No job. No safety net.

I had already built two businesses and watched both fail.

First — the nylon Velcro surfer wallet company.

Good press. Good product. Went bankrupt because I failed to protect the intellectual property and overseas competition wiped us out.

Second — a company licensing T-shirts and merchandise for heavy metal rock bands. Same result. Bankrupt.

I had ideas. I had energy. I had hustle.

I did not have knowledge.

And without knowledge, everything I built collapsed.

---

Here is what school taught me about money.

Nothing.

12 years of primary school. 4 years at Kings Point, the United States Merchant Marine Academy. One of America's most prestigious institutions.

Zero classes on how money works.

Zero lessons on assets and liabilities. Cash flow. Debt. Taxes. Investing. Building a business.

- We were taught to read, write, calculate, and memorize.
- We were taught to be excellent employees.
- We were taught nothing about being financially free.

Here is what Rich Dad taught me.

He sat me down when I was nine years old.

He said: "Robert — school will teach you to work for money. I am going to teach you to make money work for you."

Then he gave me my first financial education.

Not how to get a job. How to read a financial statement.

Not how to earn a salary. How to acquire assets that generate cash flow.

Not how to save money. How to use money as a tool.

Two men. Two completely different educations. Two completely different financial realities.

My poor dad — PhD, government official, never missed a paycheck, died with bills.

My rich dad — never finished eighth grade, died wealthy.

Same era. Same Hawaii. Same opportunities available to both of them.

The only difference was what each man knew about money.

---

Here is the proof that education beats capital.

Lottery winners.

Study after study consistently shows lottery winners go bankrupt at significantly higher rates than the general population — often within a decade of receiving their windfall.

Not because they lacked money.

Because they lacked the financial education to manage it.

You cannot give someone $10 million and expect them to keep it if they do not understand how money actually works.

The money arrives. They spend it on liabilities they call assets. Cars. Houses. Gifts to family. Consumer debt.

Within a decade — the money is gone.

And they are worse off than before because now they have expensive habits and zero income to sustain them.

---

Meanwhile here is what financial education does.

Warren Buffett read his first investment book at age seven.

He filed his first tax return at fourteen.

By seventeen he had run two businesses and was buying his first stocks.

He did not start with money.

He started with knowledge.

The money followed the knowledge.

It always does.

I rebuilt from zero after two failed businesses.

Not because I found capital.

Because I spent every day between my first failure and my next attempt reading.

Studying real estate. Learning from Rich Dad. Taking small investments and understanding what worked and what did not.

By the time Kim and I set a goal of financial freedom in 1985 — we had almost nothing.

Nine years later in 1994, we were financially free.

Not because money fell from the sky.

Because we built the knowledge first.

And the assets followed.

saw it posted, one perspective: ... "Bilhin ko na lang yung lupa sa probinsya, ibebenta ko after 10 years."Sounds like a...
15/05/2026

saw it posted, one perspective: ...
"Bilhin ko na lang yung lupa sa probinsya, ibebenta ko after 10 years."

Sounds like a plan. But is it actually a strategy?

I've seen this movie too many times. Someone buys a bare lot — raw land, no improvements, nothing nearby — and just waits. Ten years later, same price. Sometimes lower in real terms once you factor inflation. And nobody's lining up to buy it.

Let's be honest about something first.
Those overlooking lots with the mountain view? The resthouse with the cool breeze and the Instagram-worthy sunrise?
Let the people with money buy those. There's nothing wrong with it. If you've got the means — enjoy it. Build the resthouse. Live your best life.

But don't call it an investment. Call it what it is: a lifestyle purchase. A luxury.

The problem isn't rich people buying their dream property. The problem is when regular earners — OFWs saving for years, employees setting aside their 13th month, small business owners looking to "put their money somewhere" — copy that move thinking it's a wealth strategy.

It's not. It's a feel-good decision dressed up as a financial plan.
Rich people can afford to park money in a view. They have other assets generating cash flow. For most of us, that lot is the portfolio. And a portfolio that earns zero — while costing you in taxes, maintenance, and opportunity — is not a portfolio. It's a liability with a nice view.

Why raw land quietly destroys wealth:
→ Zero income while you hold. The land sits. You bleed.
→ Real property tax, legal costs, and maintenance still run every year.
→ Appreciation depends on infrastructure and demand you don't control.
→ Liquidity is near zero — you can't sell half a lot when you need emergency cash.
→ Title issues, heir disputes, and encroachments are more common than you think.

What real estate investing actually looks like:
→ Buy property with existing or clear income potential (rental, boarding house, commercial)
→ Target 15%+ cash-on-cash return from day one — not from a future sale
→ Pick locations with real demand drivers: roads, schools, growing population, active commerce
→ Know your exit before you enter — not after you're already stuck

Know what game you're playing before you put your money in.
Because there are two kinds of real estate buyers: investors and lifestyle spenders. Both are valid. But only one builds wealth.
Make sure you know which one you are.

Bravo On Top 🐂
Hope is not a strategy. Cash flow is.

hhhhmmmm Sana pag nagkasakit hindi papalimos sa kamag anak, sa gobyerno, sa hindinkilala sa online kung wala tayong tina...
27/04/2026

hhhhmmmm

Sana pag nagkasakit hindi papalimos sa kamag anak, sa gobyerno, sa hindinkilala sa online kung wala tayong tinabi at lalao wala tayo insurance...

27/04/2026

The fastest way to stay poor is to buy things that look expensive.

Most people confuse price with value.

Just because something costs a lot doesn’t mean it makes you rich.

My rich dad taught me a rule so simple it scares people:

If it puts money in your pocket every month, it’s an asset.
If it takes money out of your pocket every month, it’s a liability.

Not what your banker calls it.
Not what your real estate agent says.
Not what your friends believe.

Cash flow tells the truth.

Let’s be honest.

Your big, beautiful house?

❌ Liability.

Mortgage.
Property taxes.
Insurance.
Repairs.

“Yes, but it goes up in value.”

Maybe.

But you can’t eat appreciation.
You can’t spend appreciation.
And when you sell, costs are real.

Your luxury car?

❌ Liability.

The moment you drive it off the lot, it loses value.
And it keeps costing you money every month.

Now compare that to real assets.

✔️ Rental property that produces positive cash flow
✔️ Businesses that generate profit
✔️ Dividend-paying investments
✔️ Intellectual property that earns royalties
✔️ Digital products with recurring income

Those assets pay you.

You don’t work harder for them.

They work for you.

Here’s the difference between the rich and everyone else:

The rich buy assets first.

The middle class buys liabilities first — then hopes appreciation saves them.

It rarely does.

Schools don’t teach this.
Financial advisors often avoid it.

Why?

Because the system works better when people stay financially blind.

Employees.
Consumers.
Debtors.

That’s not freedom.

The real American Dream isn’t a bigger house or a nicer car.

The real American Dream is financial freedom.

And freedom only comes from assets that put money in your pocket — every single month.

That’s the lesson my rich dad taught me.

And it’s the lesson that'll help you forever.

You don't have to believe in life insurance. It is not religion. It is just risk management. You transfer the risk of yo...
07/04/2026

You don't have to believe in life insurance. It is not religion. It is just risk management. You transfer the risk of your families to the insurance companies who can. 💚👇


04/04/2026

This information is for those of you who don’t have your affairs in order. Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

- TOD = Transfer On Death deed if you own a home. Completing this document and filing it with the court saves your heirs thousands. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your Death Certificate and they will then have the deed signed over. Doing this will avoid the home having to go through probate.

- Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions.

- Durable Power of Attorney: Allows one to designate a person to make legal decisions if one is no longer competent to do so.

- Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for their person.

- Last Will and Testament: Designates to whom personal belongings will go too.

- Funeral Planning Declaration: States one’s wishes as far as disposition of the body and the service/s.

- If the above documents are completed, you can AVOID probate. If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have your executor to open the estate account. The executor also has to publicize your death in the newspaper or post publication at the courthouse, to allow anyone to make a claim on your property. - It’s a complete nuisance.

- Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid. Make sure heirs knows where life insurance policies are located.

- Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!

- Make sure you have titles for all automobiles, campers, motorcycles etc

- MOST IMPORTANTLY!- Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

Hope this lights a spark to encourage all your friends and family to take care of these things and to make it easier for those we all leave behind. There is no template for these documents. these are quite simply, written documents, in your own words, and an exercise in just instructing your wishes to be carried out in detail in plain English.

The above list at least helps you start an important conversation with your loved ones.

My client told me, "Feeling ko behind ako sa buhay, especially sa pera."We checked everything and turned out... she's do...
25/03/2026

My client told me, "Feeling ko behind ako sa buhay, especially sa pera."

We checked everything and turned out... she's doing great!

Hindi lang niya naa-appreciate dahil para sa future ito lahat. I advised her to enjoy some portion of her money. Go travel this summer or buy a gadget she wants. Walang masama i-treat ang sarili ng walang guilt.

Address

4th Flr, Clemente Bldg. , Burnham Lake Drive
Baguio City
2600

Telephone

+639286964898

Website

Alerts

Be the first to know and let us send you an email when Financial Consultations & Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Financial Consultations & Services:

Shortcuts

Share