Nympha VM Manco of AIA Phils.

11/06/2024

What I am going to say will come as a shock to many readers: Most of my regrets in life are those that deal with personal finance. I was afflicted with a spending problem that nearly left me in ruins. I made so many mistakes that I wish I had not done. Some of them are:

1. Spending every peso I made. For some reason, I felt the need to spend every single centavo I made. “Anyway, I’ll earn again.” What a fool I was.

2. Not saving early enough. If I could turn back time, I’ll set a certain percentage for saving no matter how ridiculously small it is.

3. Not buying life insurance early in my life when I was much healthier and premiums were much cheaper.

4. Buying too many gadgets and electronic stuff. They really have no resale value.

5. Investing in the stock market when I should have avoided it, and not investing in it when I should have.

6. Buying too many toys for my children.
I really should have limited what I bought for them because they sometimes do not appreciate what they have, and it teaches the wrong values.

7. Buying too many things on credit. Ouch!

8. Buying a piece of real estate too early, too soon.

9. Buying expensive watches and other jewelries just because it was the “in” thing to do. (Can I get anymore stupid than that?)

10. Eating too many times at too many restaurants.

11. Not starting a business earlier than I should have.

12. Changing cars too often and buying gas-guzzlers.

13. Not buying motor-car insurance: I wrecked a car that had no coverage.

14. Not learning the value of giving tithes earlier (The best investment there is!).

How can someone who claims to be a “personal finance coach and educator” have so many regrets on personal finance?

What is crucial is the realization of one’s problems, the resolution to learn from them, and have a lasting solution for them. We can’t “undo”many things we have done, but it doesn’t matter anymore as what’s done is done.

Like anything in our lives, we must learn to stand when we fall. In doing so, we become more resilient, stronger and, most importantly, wiser.

08/06/2024

For the mass affluent. . .

In the hustle and bustle of young adulthood, we might often overlook the importance of having insurance. However, planning and securing your future while you're young can be a game-changer for you!

08/06/2024

Yeah this is a fact. . . .

is an inevitable phase of life that every Filipino should be prepared for. As a nation known for its strong sense of family and resilience, it is crucial for Filipinos to recognize the importance of planning for retirement. In this article, we will explore the reasons why retirement preparation is essential for Filipinos and the steps they can take to secure a comfortable and worry-free future.

Read: https://randelltiongson.com/why-we-need-to-prepare-for-retirement/

04/06/2024

Before buying life insurance, it is important to determine if you need one or not.

Life insurance should be purchased because of the need to manage life’s risks, primarily against untimely death and serious physical breakdown.

04/06/2024

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04/06/2024

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30/05/2024

Want to visit this too! 🥰

25/05/2024

Sharing a post from an endeared life planner.

22/05/2024

While you’re still young and healthy, get this program.

In the hustle and bustle of young adulthood, we might often overlook the importance of having insurance. However, planning and securing your future while you're young can be a game-changer for you!

22/05/2024

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14/05/2024

Yeah really worth reposting!
To let us learn and ponder on🙏👍

This is worth reposting…
——

Many years ago, my wife and I experienced some difficulties with our cash flow. There were also a lot of expenses the previous month that drained us financially, but we were not in despair as we know the Lord always provide – something we can testify about over and over again. However, as the head of my family, my anxiety is heightening and my usual problem with worrying has started to get in my psyche. One Sunday, I was down with my last ₱200.00 in my wallet and was still unsure about the inflow of funds in the next few days. During the service, I felt the Lord telling me to give ₱100.00 my offering … it was a very small amount yet it represented half of what I have at that time. Since I felt the Lord wanted me to do so, I obeyed willingly and cheerfully.

That Sunday night, my daughter asked me if we are letting her attend her school Prom and if we are, the deadline of paying the required ₱4,000.00 fee was due on Monday. I explained to my daughter that we are tight on cash and it’s not on our priority at the moment. My daughter was okay with our decision and understood our situation. When I picked her up from school, I was a bit quiet as I was thinking about our immediate cash flow when my daughter told me that her friends all chipped in for her so she can attend the Prom. As she was telling us, tears of joy were running down her cheeks. I was tugged in the heart with the generosity of people, my daughters deep understanding and her appreciative disposition. Yet, I felt a rebuke from the Lord – telling me “see, I told you I’ll take care of everything for you”.

The next day, I received a text from my wife that really surprised me. She said that she received ₱4,000.00 from a couple who are very close to us. When she asked what for, they felt that they want to bless us, an overflow of the blessings they have been receiving. I again felt the Lord telling me “see, I told you I’ll take care of everything for you.”

So what kind of return did I get from my ₱100.00? 7,900% in 3 days! In all their brilliance, Warren Buffet, George Soros or Robert Kiyosaki can’t even match 1/10th of a return when we compare it with our investment in God’s economy.

My take away lesson here is not that the Lord blesses us – that’s already a given. The lesson that was glaring for me is my lack of faith because I chose to rely on my own understanding, on my own wits. My logical mind has once more relegated my perception of the Lord’s grace, putting God in a box. Lord forgive me. I must always remember this scripture and write it in my head and in my heart:

“Now faith is being sure of what we hope for and certain of what we do not see”. (Hebrews 11:1, NIV)

A return of 7,900% with zero risk is nothing – God has already given us His everything in Christ Jesus… all for Him to risk and for us to gain.

08/05/2024

At AIA Philippines, we know that life never stops changing, and that people need a partner who understands and supports them through life’s challenges and opportunities.