When Making Tough Decisions, Always Follow the Math

When mak­ing career deci­sions, we always hear some­one says, “Fol­low your pas­sion”, “Do what makes you hap­py”. While we can’t blame these peo­ple from quot­ing the late Steve Jobs, founder of Apple for it, but I believe they’ve com­plete­ly mis­un­der­stood him....

Building a Culture of Trust

Have you ever expe­ri­ence jump­ing from one orga­ni­za­tion to anoth­er just because you found out that you were not a fit? Or worst the cul­ture sucks. Many years ago, I’ve been in an orga­ni­za­tion in which a man­ag­er lacks trust to his peo­ple. He con­stant­ly...

Five Lessons I Learned From Paying My Debts ​

Pay­ing your debt is quite a chal­lenge nowa­days espe­cial­ly when you have some finan­cial respon­si­bil­i­ties aside from your out­stand­ing loans and bal­ances.   My eyes have been opened to the real­i­ty of life when I was still young when my par­ents often...

Should You Invest in Mutual Funds?

It’s been a while from con­tin­u­ing the series about finance. But don’t wor­ry, I asked a close friend who is an expert in mutu­al funds to share his knowl­edge and expe­ri­ence about it. Should You Invest in Mutu­al Funds? By Sevi­no Estil, Finan­cial Advo­cate and...

Should I Invest in VUL?

VUL sim­ply stands for Vari­able Uni­ver­sal Life. Last week I wrote a quick overview of how it works and you can find it here: How and Where To Invest Your Mon­ey But the ques­tion is — should I invest my mon­ey in it? We have friends, col­leagues, and even...

How and Where to Invest Your Money

When I was a fresh grad­u­ate, I nev­er thought about how to invest my mon­ey. I am a good saver but nev­er an investor. Things have changed when I became buried in debt when I was 23. A friend who was a finan­cial advi­sor talked and offered me an invest­ment in...