Remember, financial education is not just for the wealthy its for everyone. Minsan ba, nagigising ka sa gitna ng gabi, kinakabahan kasi namomroblema ka sa pera?

Nag-aalala ka ba para sa kinabukasa ng iyong pamilya?

Sumasakit ba ang ulo mo sa kakaisip ng mga bayaran at kautangan?

Are you a millennial who wants to learn how to invest but you dont know where to start?

Ikaw ba ay isang OFW, sabik na sabik ka nang makita ang iyong pamilya ngunit hindi ka pa makauwi kasi kailangan mo pang kumita?

Anuman ang iyong pinagdaraanan, wag kang mawalan ng pag-asa.

Alam mo ba na pwede mong mabayaran ang iyong mga utang? Pwede mong mabili ang bahay na gusto mo. Pwede mong pag-aralin ang mga anak mo sa magandang paaralan. Pwede ka makapagtravel. Pwede lahat yan.

Maybe youre asking how will that be possible.

Simple lang ang kasagutan, kaibigan. Financial education.

Rich people are rich because they took time to study how money works. Ibig sabihin, kung matutunan mo rin pano ang tamang pag-iipon at pag-aalaga ng pera kaya mo ring yumaman.

Join the Secret to Building Your Future webinar. Libre po ang webinar na ito. Pwede mo mapanood kahit ikaw ay nakatira sa probinsya o sa ibang bansa.

In this webinar, you will learn:

  • how to pay off your debts
  • how to save money for your needs
  • how to save and invest money for your future
  • how money works so you and your spouse wont have to argue about money
  • and many more!

Here’s the exciting part. The webinar is FREE!

Limited Slots. REGISTER NOW

In addition, narito pa po ang pwedeng matutunan sa FREE webinar na ito:

* Saan napunta ang pera ko? Itigil ang Invisible Leak na nangyayari sa pitaka mo na humihigop sa pera mo sa bangko, dahilan nag pag-aaway niyong mag-asawa, at nagnanakaw ng kinabukasan ng anak niyo.

* Paano maiiwasan ang X-Curve maubos ang pinaghirapan mong ipon dahil lang sa isng medical emergency sa pamamagitan ng pagtayo ng mala Great Wall of China na protection para sa iyong mga ari-arian (Gawin ito ng tama at kalit apo mo sa tuhod ay makikinabang sa ipinundar mo)

* Iwasang gumuho ang mundo mo sa pagkawala ng trabaho sa pamamagitan ng paglikha ng isang matibay na Financial Safety Net upang masalo ang iyong pangangailangan, mapanatili ang iyong pamumuhay, at makaahon muli nang hindi kailangan mangutang.

* Alamin ang 10-20-70 Formula na ginagamit ng mga sigurista upang paniguraduhing napupunta sa tamang lugar ang pinaghirapang ipon kada sweldo

Remember, financial education is not just for the wealthy its for everyone.

© International Marketing Group


OFW or IDOLE ID Card Benefits for Overseas Filipino Workers

For Overseas Filipino Worker (OFW) like us, the most awaited launching of iDOLE or Identification Card for OFW’s last July 12, 2017 to help millions of migrant workers worldwide. However, we have to wait for official announcement from our gov’t official or check advisory from time to time at POEA/DOLE for the distribution of the said ID’s as implementing guidelines are not yet finalized. For the meantime, Overseas Employment Certificate (OEC) still will be processed through Balik-Manggagawa Online Processing System.

The introduction of iDOLE card still brought some light to most of us – OFW’s. Once the ID was issued, it will help lessen the burden of going to POEA to process our Overseas Employment Certificate (OEC) especially for returning OFW’s with re-contract or re-hire. Also, we can use it in claiming benefits from reputable government institutions such as Social Security System (SSS), Philippine Health Insurance Corporation (Philhealth) and Home Development Mutual Fund (HDMF or Pag-Ibig Fund). In addition, like OEC, OFW ID Card holders will be exempted for paying travel tax and terminal fee.

All Overseas Filipino Workers are entitled for iDOLE or OFW ID Card as long as documents are legally processed at POEA. As of now online application for OFW ID Card still not available or still in testing phase. OFW’s was advised to wait for the official announcement or launching and to rest assured that the OFW ID Card is 100% free of charge.

For interested returning OFW’s you may inquire at DOLE offices or any of their branches nationwide and bring valid ID’s such as passport, NBI, SSS and your Overseas Employment Certificate (OEC) receipts for validation purposes and proof of identification.  Follow the instruction of the government personnel in-charge at the counter on how to acquire or process iDOLE or OFW ID Card.

For DOLE Branch website link, click here.

For those who already acquired their iDOLE or OFW Card, please tell us in the comment below.

Cheers to our SUCCESS!


Warning! Beware of Investment Scams in the Philippines

Nowadays, some of the so called “Investment Opportunities” being offered to you is not what you think it is. In this regard, we must protect ourselves by continuous practice of due diligence and caution when planning to invest. Besides, Investing in any kind of business venture requires proper knowledge or understanding for our protection and safety. Also, we need to properly identify where to allocate the funds, the benefits and the risk associated of the potential investment. If in doubt, seek professional help prior to commit or accept any investment offer. Continue reading “Warning! Beware of Investment Scams in the Philippines”


One-Stop Shop Service Center for OFW and Aspiring Overseas Filipino Workers (OFWs)

“Sebisyo ng Gobyerno: Kaakibat ng Pamilyang Pilipino sa Kaunlaran”

For Overseas Filipino Workers and aspiring OFW’s, One-Stop service center inaugurated last August 15 is a must wherein all government services are readily available in one area. It will now easier to process documents and thus saving time and money specially transportation expenses. With, all these improvements, government’s program and services are certainly a bridge and a guide for OFW and would be Overseas Filipino Worker’s welfare

For your information, One-Stop Service Center is located at ground floor of the Philippine Overseas Employment Administration (POEA) main office, BFO Building; Ortigas Avenue corner EDSA, Mandaluyong City (in front of Robinson’s Ortigas). It will be open from 8:00 AM to 5:00 PM from Monday to Friday and may extend the service with prior approval of the POEA and DOLE Regional Office. Continue reading “One-Stop Shop Service Center for OFW and Aspiring Overseas Filipino Workers (OFWs)”


Investing in Mutual Fund for Beginners in the Philippines

Mutual Fund Illustration by

To achieve financial freedom, we must take action and control our personal finances.  Learn how to track our expenses and know proper budgeting. Practice saving regularly a portion of our monthly salary for emergency funds and future investment. Remember to insured our life and health first before we proceed investing in other investment vehicles.

What is Mutual Fund and why invest with this kind of investment?

Mutual Fund is a collection of funds of individual, entity, corporation or other investor and managed by a professional fund manager of an investment company. The pooled funds are then invested by a fund manager to a diversified portfolio like stocks, bonds and other instruments.

The following are the four types of Mutual Funds where the pooled assets are invested:

  1. Money Market Funds -less risky than other funds but low returns. Short term only (1 year or less). Invest in short-term time deposits, corporate bonds and government securities.
  2. Bond Funds – lesser risk than other funds and the returns is greater than Money Market Funds.  Medium to long-term. Invest in bonds issued by corporations and the Philippine Government.
  3. Balanced Funds- medium to high risk but with possible higher earning returns than Bond Funds. Invest in combination of both individual bonds and stocks.
  4. Stock Funds / Equity Funds – high risk but possible highest return from other types of funds. Invested primarily in individual stocks listed in the Philippine Stock Exchange.

Advantages in Investing in a Mutual Fund Continue reading “Investing in Mutual Fund for Beginners in the Philippines”


An Overseas Filipino Worker (OFW) In a Country like Turkmenistan

There was an excitement and curiosity on my part when I was selected by my employer several years ago to deploy and work in Turkmenistan particularly in South Yoloten.  To be honest I really don’t know the country or the place we are going to work. Good thing is that the period of my stay there brought me learning of their culture, their tradition and the people itself.

Merkezi located in Mary City

By the way, have you been in Turkmenistan particularly in South Yoloten and Mary City? Are you planning to work or travel here? If you are an OFW or traveler bound to Turkmenistan, you should asked the Flight Attendant in NAIA where your baggage will be picked up, otherwise you will be one of those OFW who came there who had lost their luggage and personal belongings.

Here are some of what to anticipate and look forward to and could be helpful and beneficial to you later on. Continue reading “An Overseas Filipino Worker (OFW) In a Country like Turkmenistan”


OWWA Skills-for-Employment Scholarship Program (SESP) and IT/Computer Training Program for OFW

One of the benefits of being Overseas Filipino Worker (OFW) is being entitled to program and services of Overseas Workers Welfare Administration (OWWA). One of which is Skills-for-Employment-Scholarship Program or SESP under Education and Training Assistance of OWWA’s Program for OFWs and dependents.

SESP is in the form of training assistance with OWWA assuming the training cost in vocational/technical courses accredited by TESDA and other government institutions. The Financial assistance of P14, 500.00 will directly credited to OWWA/TESDA recognized training providers you have chosen to enroll or study. Continue reading “OWWA Skills-for-Employment Scholarship Program (SESP) and IT/Computer Training Program for OFW”


Nine (9) Tips for Aspiring Overseas Filipino Worker (OFW)

It is becoming a norm now in our society by most Filipinos to dream of working overseas or abroad. Thinking that working abroad means a better life and better future for the family. While it is being true for many especially to those who did all their best to cope up in their situation, still the success varies depending on the situation and fate. If you will become an OFW, What will you do? What is your point of view?

There are pros and cons of being an OFW and be sure to weight things first before making a final decision. The family should be well aware with your plan, goal and purpose. If there are certain issues in the family, settle it before leaving.  Prepare yourselves also for a major adjustment and constantly provide time to communicate with your family or loved-ones because there are no reasons not to. Communication channels are now readily available within our reach though the use of internet and smartphone apps likes Facebook, WeChat, Viber, Skype, Tango and many more.

If you are going to be one of the so called aspiring Overseas Filipino Worker (OFW), consider the following nine points: Continue reading “Nine (9) Tips for Aspiring Overseas Filipino Worker (OFW)”