Pera & Purpose Podcast: Recent Episodes
Jay Adrian Tolentino
Hosted by Jay Adrian Tolentino AKA “Kuya Jay”. He is an advocate of Financial Literacy and an Independent Financial Coach based in Dubai.
The aim of this program is to help every Filipino become debt-free, build wealth and live a purposeful life. Topics include proper money management, entrepreneurship, investments, and the stories of many notable entrepreneurs and personal finance personalities.
Connect with him on: https://beacons.ai/jayadriantolentino
Have you ever felt uncertain or disconnected when making financial choices, wondering if your decisions truly align with what matters most to you?
This alignment is crucial because when your values and financial decisions are out of sync, it often leads to stress, dissatisfaction, and even financial instability.
Research shows that when people align their financial actions with their personal values, they experience greater satisfaction and stability.
Financial decisions become more than just numbers—they start reflecting your true self.
This is why today, we’ll explore how to uncover your personal values and use them to guide your financial decisions effectively.
By the end of this episode, you’ll have a clear roadmap for aligning your financial actions with your deepest values, leading to better financial health and greater personal satisfaction.
What You'll Learn:
- The Importance of Understanding Personal Values
- Misalignment Between Personal Values and Financial Decisions
- Exercises to Identify Personal Values
Resources mentioned:
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Shalom Schwartz's Theory of 10 Universal Values
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VIA Institute On Character Survey
Imagine waking up one day to find out that you’ve lost 700,000 pesos to a scam.
It’s a nightmare that has become a harsh reality for many. Task scams, recruitment scams, investment scams, loan scams – they’re all designed to exploit our trust and financial vulnerability.
The rise in financial scams in the Philippines is alarming, with many falling victim due to lack of awareness.
Understanding how these scams operate is crucial to safeguarding our hard-earned money.
Today, we will explore various types of scams, from task scams to investment frauds, and equip you with the knowledge to protect yourself.
This episode is a recording of my recent interview with Ms. Salve and Ms. Valle on Teleradyo Panalong Diskarte, where we delved deep into these issues.
Knowing these tactics not only saves your money but also your peace of mind.
What You'll Learn:
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How to avoid loan, task, investment and other scams targeting OF's
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What to do when you receive unsolicited calls
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Ask questions in our community
Get more free resources here
Have you ever wondered why some people seem to accumulate wealth faster than others, despite having similar incomes?
The key to financial success isn’t just about earning more money—it’s about how much you save and invest.
Many people chase higher-paying jobs or promotions, thinking this will lead to wealth.
But studies show that savings rate is a more crucial factor in building wealth than income alone.
According to research, individuals who focus on saving a significant portion of their income can accumulate wealth faster, regardless of their earnings level.
Understanding the advantage of having a higher savings rate can transform your financial journey.
It highlights the importance of managing your expenses and making conscious choices about your spending habits.
So, in today’s episode, we’ll uncover why saving is so powerful, explore common misconceptions, and discuss practical steps to boost your savings rate.
What You'll Learn:
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The secret to financial success is not just earning more but saving more.
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High savings rates lead to faster wealth accumulation.
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Managing expenses and prioritizing savings are crucial. - Automate savings, track expenses, and set clear financial goals.
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Living below your means and investing wisely accelerates financial growth.
Resource mentioned:
- Networthify: https://networthify.com/calculator/earlyretirement
Ask a question in our community here
Schedule a free discovery call here
Time is the most valuable resource we have, yet many of us overlook its importance in our pursuit of financial freedom.
We often think that financial abundance will give us the life we desire, but there's a foundational element we're missing.
Inspired by Dan Sullivan's book Who Not How, I learned that time freedom is the foundation of true financial freedom.
Without control over your time, financial freedom remains an elusive goal.
In this episode, I'll share why time freedom should come first before financial freedom and how you can gain control over your time.
I’ll also be sharing some words of caution for those who pursue this path.
--👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Own the World Free Webinar: https://lu.ma/qx48s1k1
Dan Sullivan's Who Not How
--- Send in a voice message: https://podcasters.spotify.com/pod/show/peraandpurposepodcast/message
Have you ever wondered how asking the right questions can change your life?
The quality of the questions we ask ourselves often determines the quality of the answers we receive.
Asking the right questions has been a game-changer for many successful individuals, helping them navigate their journeys with clarity and purpose.
In this episode, I'll share some of the essential questions I ask myself regularly, and how they have shaped my path, including my recent experience preparing for an international talk in Riyadh.
By the end of this episode, you'll be equipped with the tools to ask better questions and transform your life.
What You'll Learn:
- Importance of asking the right questions.
- The problem with limiting questions.
- The power of structured, intentional questioning.
- Practical frameworks and habits for better questions.
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Discover how your past failures, especially in the realm of investments, can be transformed into valuable lessons and guiding lights for others.
Kuya Jay shares his own experiences, including the lessons learned from his first condo investment, and provides practical insights on how to turn your mistakes into meaningful messages.
Join us for an inspiring and educational journey that will help you embrace your failures and use them to make a positive impact.
What You Will Learn:
✅Why your past failures shouldn't be a source of shame but a powerful tool to guide others.
✅How to view and use mistakes in investments as valuable lessons.
✅The importance of sharing your experiences to help others and lighten your own burden.
✅Real-life examples of successful individuals who turned their failures into success stories.
✅Strategies to reflect on and learn from your failures effectively.
✅How promoting a culture of openness about failures can lead to greater success and innovation.
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Picture this: you're eyeing the latest iPhone, shiny and alluring, priced at AED 5,500. It's tempting, right? But hold on a second. Twenty years down the line, that sleek gadget will be nothing more than a relic, while if you were to invest that same amount in a low-cost, globally diverse index fund, it could potentially grow to over AED 21,000!
Life is a series of choices, each one coming with its own set of trade-offs, known as opportunity costs. And understanding this principle is not just crucial for investing, but for every aspect of your financial journey.
In today's episode, we're going to unpack why opportunity costs matter and how you can use them to shape your financial future.
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- Buying Decision Guide
- Take the Global Investing Survey
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Managing money can feel like navigating a maze without a map.
This confusion often leads to stress and poor financial decisions, as people grasp at any advice or product they come across. They might save money aimlessly or buy insurance they don't fully understand, influenced by ads or friends' advice. This approach lacks strategy and clarity, leading to missed opportunities and a future filled with financial uncertainty. By being intentional and informed, you can make decisions that align with your long-term financial well-being.
A strategic approach to managing your finances is the key to unlocking a future of financial security and peace of mind.
I'm here to tell you that there's a better way to handle your financial priorities.
Exciting news! For the very first time, I'm revealing the tool that's been key to my clients' financial success. Imagine crafting your own foolproof financial plan, effortlessly and independently. That's the power of the Financial Road Map tool I've created.
Why join the Financial Roadmap Beta Program?
- Early Use: Try my Financial Road Map tool and the curriculum first. Get custom Q&As and help shape the tool.
- Your Input Matters: I will be tweaking the tool and course videos based on your feedback.
- Connect with Others: Meet like-minded people who are also part of the beta program.
- Special Deal: In exchange for your help, you’ll get it at 85% off ($235 savings)!
- Limited Access: Hurry! Only 25 spots are open.
This is your chance to be at the forefront of financial self-sufficiency. Join the beta program now and start building your future, your way.
👉🏽Sign up here!
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Are you tired of budgeting methods that leave you more frustrated than financially savvy?
You're not alone.
Many find traditional budgeting a puzzle that's hard to solve, with strict rules that don't fit real life.
Today, we're breaking down why these methods fail and how they're actually holding you back.
We'll introduce a new perspective on budgeting, With simple, actionable steps, we'll guide you on how to create a budget that's not only realistic and flexible but also a powerful tool for achieving your financial dreams.
Get ready to change how you view and manage your money, making your budget work for you, not against you. Let's dive into creating a budget that's a roadmap to your dreams, starting now.
Download the Intentional Spending Plan for FREE!
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
In today's episode, we focus on a crucial but often overlooked aspect of financial health - breaking detrimental money habits.
As we venture into this year, it's time to shed those financial behaviors that hold us back from achieving our full potential.
We'll dive deep into identifying these habits, understanding their impact, and exploring effective strategies to break free from them.
Join me as we embark on this transformative journey to financial freedom and empowerment.
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
In your quest for financial freedom, you may find yourself trapped in a cycle of endless desires. This cycle often starts small, perhaps with a desire for the latest smartphone or a luxury car. But soon, these desires can inflate your lifestyle, leading to a situation where you're living paycheck to paycheck, despite a good income.
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
2023 has been my most productive year yet.
But it hasn't all been a bed of roses.
It’s a year of highs, lows, rants, realizations and invaluable lessons.
From Dubai Eye features to the tough decision of shutting down a business, this episode peels back the layers of life and personal finance.
I'll share insights on time management, the true essence of wealth, and finding happiness in unexpected places.
Reflecting on the year, I unveil the theme for the next chapter: "Bolder."
Get ready for a not-so-usual episode that's as real as it gets.
Watch it on YT: https://youtu.be/gk-iqiZ1WCg
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
You're really keen on getting into investments, aren't you?
I sense a strong interest and enthusiasm in you about this vital topic.
Here's What You're Going to Discover
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What investing is
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The four primary types: cash, fixed-income, equity, and alternative investments. Each type comes with its own set of risks and potential rewards.
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How economic movements can impact your investments.
It's important to be clear about your investment goals, how much risk you're comfortable with, and your investment timeline before you start.
Ready to get into it?
Let's cut to the chase and make it straightforward.
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
In this special episode, we dive into a topic close to our hearts, one that was sparked by a request from a valued member of our community.
This isn't just about the mechanics of money management; it's an exploration of the foundational wisdom that underpins lasting financial success.
Why?
Because the right foundation is everything.
Just as a house built on sand is vulnerable, a financial roadmap without a solid base of wisdom is prone to collapse under pressure.
What You’ll Learn:
- The lessons from the books I’ve read when I had zero knowledge about money
- How to think, perceive money, and align your financial actions with the deeper values of life.
- Timeless principles of wealth accumulation to the mindset shifts necessary for prosperity
- Other books that have an indirect influence on wealth building
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Ever wondered kung paano ka kikita ng bonggang-bongga, i-level up ang iyong budgeting skills, at wiser sa iyong investments gamit ang AI.
I’m talking about Artificial Intelligence, or AI, at paano ito magiging game-changer sa iyong financial life!
"AI? 'Di ba pang techie or big companies lang 'yan?"
Saka parang ang complicated na topic, hahaluan mo pa ng personal finance!
Nope, mali kayo d'yan!
This episode will break that stereotype.
Kahit saan ka man sa mundo, especially sa mga kababayan natin dito sa UAE, this is something you can't afford to miss.
I-share ko ang mga real-life tips kung paano ko nagamit ang AI this year sa mga side hustles ko, paano kami nakakapag track ng expenses in less than 3 minutes at paano mag analyze ng mga investments.
What You'll Learn:
- Financial problems AI can solve
- How I used AI to increase income, track expenses faster, invest wiser and other use cases
- Benefits of using AI
Resources Mentioned:
- Get the AI Prompts here
- Crunch App (UAE Only) download here
- Wally GPT download here
- ChatGPT
- Perplexity AI
- Powerdrill AI
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Akala natin, pag sinabing luxury, kailangan laging malaki ang gastos.
Branded na damit, magarang kotse, laging kumakain sa labas.
Glamorous sa tingin pero in reality, nakaka-stress 'pag nakikita mo ang bank statement mo, 'di ba?
Marami akong naririnig na kwento from OFWs dito sa UAE na nahuhulog sa trap na 'to.
Ang ending?
Utang here, utang there, utang everywhere.
Pero guess what?
May mas better na way.
Oo, tama 'yung narinig mo: pwedeng mag-luxury na hindi kailangang magastos.
And I call it “Frugal Luxury”.
🧠 What You’ll Learn:
- Why Frugal Luxury is the secret to enjoying the best of life without breaking the bank.
- How to use your personal values to guide your spending for enduring happiness.
- Why choosing quality over quantity is a game-changer for your wallet and your life.
- How to steer clear of debt while still indulging in your personal luxuries.
- Why the ultimate luxury is financial freedom, and how it unlocks a life truly worth living.
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
In my early days of learning Personal Finance, I have always relied on others to grow my money.
This is why I fell for scams, bought expensive but inadequate insurance, locked myself into a 15-year savings plan with risk of losing my money if I stop my contributions, discovered my advisor's dishonesty, and purchased a property without stable employment.
Unfortunately, just like me in 2015, marami pa rin akong nakakausap who are not fully in control of their finances.
They rely on their relatives, spouse, friend, financial advisor, real estate agents, and other professionals to make financial decisions and manage their money.
Yan ang ita-tackle natin today as we discuss the True Cost of Relying On Others
What You'll Learn:
- Reasons why people rely on others to manage their finances
- Monetary & non-monetary costs of relying on others
- How to effectively work with others when it comes to your finances
- The hidden benefits of being in control of your finances
- Proverbs 27:23-24: "Be sure you know the condition of your flocks, give careful attention to your herds; for riches do not endure forever, and a crown is not secure for all generations."
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
It’s back to school season!
Marami sa atin ang natuto about math, science, history pero when it comes to Personal Finance?
Wala!
No one taught us how to budget, save, or invest.
Instead, nalaman na lang natin itong mga bagay na to the moment we started earning money for ourselves.
At ang lagi kong naririnig sa mga nakakausap ko eh, sana nalaman ko to nung bata pa lang ako.
Ako rin, yan din ang sinabi ko.
So today, we’ll talk about the things I Wish School Taught Me About Money
🧠What You'll Learn:
- Teaching kids the purpose of money
- The importance of Self-Awareness at a young age
- How advertisements, peer pressure and comparison distract kids
- The 4 Important Core Values that influence the child's attitude towards money
- Why I believe that we should teach the Value of Time at a young age
📖Verse:
Proverbs 22:6
"Train up a child in the way he should go; even when he is old he will not depart from it."
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Today, we're diving deep into a topic that's dear to my heart—Investing.
Bago kayo mag-dive into the world of investments, let's pause and reflect.
Sa panahon ngayon, nakakatempt mag-invest sa dami ng mga nagsusulputang investments, strategies and ways to get rich faster.
Pero do you really know what you're getting into?
I've been there—nag-invest without proper understanding, guided only by the excitement and dreams of quick riches.
Ang resulta?
Napakalaking financial setback.
Sayang ang oras, pagod at pera, diba?
I wish someone had shared with me the essential things to consider before diving into investing.
So now, I'm sharing them with you.
Pramis, this will save you millions!
🧠What You'll Learn:
- How I got into investing
- The 5 Things I Wish I Knew Before Investing
- Purpose: Your WHY in Investing
- Risk Tolerance & Risk Capacity: Balance Between Desire and Safety
- Time Horizon: Aligning Investments with Goals
- Investment Vehicle: Know What You're Getting Into
- Safety Nets
Send money to the Philippines for FREE using TapTap Send! 💸
Use the code KUYAJAY and get $15 (US and CA )/ £15 (UK)/ €15 (Europe) / AED 50 (UAE) on your first remittance to the Philippines.
Download TapTap Send now:
🤖 Google Play Store
🍎 Apple Store
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
We've all been there; even the brightest minds can sometimes make financial choices na talagang mapapakamot ka na lang ng ulo.
But don't be too hard on yourself.
It's a common, human error.
In this episode, we'll uncover the triggers and hidden biases that explain why smart people sometimes make stupid investment decisions.
🧠 What You’ll Learn:
- Introduction to Cognitive Biases
- Biases Affecting Self-Perception and Decision Making
- Biases Impacting Risk Perception and Response to Loss/Gain
- Biases Influenced by Others and External Factors
- Proven strategies to counter these biases
Send money using TapTap Send! 💸
Use the code KUYAJAY and get $15 (US and CA )/ £15 (UK)/ €15 (Europe) / AED 50 (UAE) on your first remittance to the Philippines.
Download TapTap Send now:
🤖 Google Play Store
🍎 Apple Store
Money is a tool that can be used for God’s purposes.
This episode is not just for those struggling with money issues but for anyone looking to refine their relationship with wealth and to discover a more fulfilling, God-centered approach to personal finance.
Join me in exploring how our financial choices can serve not just ourselves, but also our community, and ultimately, God's kingdom.
It's not about the money itself - it's about finding God's purpose for it in your life.
This episode could very well be the start of your transformative journey in faithful finance.
🧠 What You’ll Learn:
- You Are Driven By A Purpose: "FAGMA: “How These 5 Motives Prevent You From Living a Purposeful Life!”
- You Are Designed For A Purpose: "How Your SHAPE Reveals God's Purpose!”
- You Are Defined By A Purpose: "The 5 C's To Help You Craft Your Purpose Statement.”
Link to the slides: https://docs.google.com/presentation/d/1sI5QFdE1oLp9_8l1ZEHXP_fVt1T809_4/edit?usp=sharing&ouid=115824648556419114337&rtpof=true&sd=true
Support the show---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Have you ever heard the saying, 'You only need to get rich once'?
It's a simple but powerful idea.
Once you've saved a good amount of money, the most important thing is to keep it safe.
Of course, it's good to keep looking for ways to make your money grow.
Whether you're investing, handling a business, or even just saving your money, there's always a degree of risk involved.
But let's be clear about one thing: no risk that can wipe you out is ever worth taking.
At yan ang pag-uusapan natin sa episode na ‘to!
What you’ll learn:
- Lessons from Jesse Livermore's story
- What causes people to take huge risks that can wipe their entire net worth
- The investment vehicles that have the potential to wipe us out
- Steps on how to avoid Financial Wipeout
Support the show---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
In this episode, we're diving deep into the world of financial 'rules of thumb.'
These are simple guidelines that can serve as your compass in navigating your journey towards financial independence.
Whether you're grappling with how much to save from your income, how to manage your debt, or wondering about the right insurance coverage, we've got you covered!
These insights will be straightforward, practical, and easy to understand, no matter where in the world you're working or living.
Disclaimer: Remember that everyone's situation is unique. These rules of thumb are not one-size-fits-all answers, but they can provide a good starting point.
What You'll Learn:
Discussion on various categories of financial rules of thumb:
- Cash Management:
- The 50/30/20 Rule
- Pay Yourself First
- Emergency Fund
- Spend Less Than You Earn
- Debt Management:
- The Debt-to-Income Ratio (Rule of 36)
- The Snowball Method
- Lending Rule
- Risk Management/Insurance:
- Insurance Coverage Rule
- DIME Method for Life Insurance
- Investments:
- The Rule of 72
- Asset Allocation by Age (Rule of 100)
- Diversification
- Invest for the Long Term
- Start Early
- The 1% max service fee Rule
- Big Ticket Items:
- Car Buying Rule
- Home Buying Rule
- Saving for Vacations or Anniversary Celebrations
- Saving for College Education
- Saving for Retirement
📺 Watch it on YouTube: https://youtu.be/UBTHPla3UhQ
Support the show---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
When it comes to money, what does 'enough' mean to you?
It's a question that can prompt a variety of answers.
For some, it might mean being able to afford all the needs and wants.
For others, it might mean feeling secure about the future.
But the truth is, understanding 'enough' is crucial to achieving financial contentment.
So how much is ever enough Kuya Jay??
Yan ang pag-uusapan natin today!
🧠What You’ll Learn:
- The Contrasting Views on 'Enough'
- Understanding Why We Often Feel We Don't Have Enough
- The Negative Impact of Never Having 'Enough'
- Strategies for Defining Your 'Enough'
- Benefits of Knowing Your 'Enough'
Support the show---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Does the idea of creating a business, that serves people, makes their lives better, and earns you good money, excite you?
Well, if that sounds like a “Perfect Business”, then don’t miss this episode!
Our guest is Mr. Dodong Cacanando, the owner of Moriah Farms Inc in the Philippines.
He is a businessman, farmer, author, and inspirational speaker, who left his executive role at Hewlett-Packard Philippines in 1998 to establish Moriah Farms, where he cultivates livestock and vegetables.
Beyond his farming success, he has dedicated himself to enlighten others on the principles of business through his foundation, Semilya Sa Kinabuhi, utilizing the Bible as a business manual and the plant as a model.
His unique journey from corporate life to farming, his love for entrepreneurship and his devotion to helping others create a better future, make him a truly inspiring figure.
🧠 What you'll learn:
- The key characteristics of what constitutes a "perfect business"
- Why the "perfect business" should be created rather than sought after
- Overcoming lack of experience, financial constraints, and personal commitments
- The challenges and struggles faced when your business is geographically distant
- How to gauge if you're on the right track with your business
- The role of faith in business: using the Bible as a business manual and its impact on business operations
- Valuable advice for the those aspiring to venture into entrepreneurship
📺 Watch On YouTube: https://youtu.be/lGIBFyKX-Xw
Connect with Sir Dodong
- Website: www.dodongcacanando.com
- Facebook: https://www.facebook.com/dodongcacanando
- Youtube: https://www.youtube.com/c/DodongCacanando
- Spotify: https://open.spotify.com/show/6q3Z7hvOneX8Q2X0myFbuU
Support the show---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Ever wondered what it takes to truly build wealth?
Tune in to our latest podcast episode where we dive into the wisdom of Ramit Sethi's eye-opening Netflix documentary, 'How to Get Rich'. Ramit is the author of the New Yor Times Best Selling Book, ‘I Will Teach You To Be Rich’ and has been in empowering individuals to be in charge of their finances for over 20 years now!
We'll explore essential financial lessons, from facing your money woes head-on and understanding the real cost advisory fees, to the deceptive allure of get-rich-quick schemes. We'll also tackle the buying vs. renting debate and discuss the importance of defining your own 'rich life'.
Chapters:
(00:00) Introduction
(05:11) Face Your Financial Problems
(08:34) Communicate with Your Spouse
(11:56) Never pay for % when speaking to a financial planner
(14:06) Avoid get rich quick schemes
(18:35) Detach from your material possessions
(20:52) Run your numbers
(23:13) Make a conscious spending plan
(24:15) Buying vs renting
(27:20) Know what your "Rich Life" is
Support the show---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.
Life was easy for Ralph when he first arrived in the UAE. He immediately found a job as a telemarketing executive, and later as an executive assistant. He enjoyed the YOLO lifestyle that his salary afforded him, but he didn't think about managing his finances wisely.
After 3 years of working, he realized that he wasn't managing his finances effectively and was making many mistakes that were hindering his progress.
But Ralph didn't let this setback defeat him.
Instead, he took it upon himself to study personal finance. As he was looking for ways to learn about money, he stumbled upon our Empowered Expats videos and got hooked. Slowly but surely, Ralph began to see the errors he had made and started to make better financial decisions.
Soon, he discovered the world of insurance advising. Intrigued, he dove headfirst into learning the ins and outs of the industry. He became passionate about helping people protect their financial futures, and it wasn't long before he decided to become an insurance advisor himself.
Ralph's newfound career was just beginning to take off when the pandemic struck. He found himself struggling to make his debt payments on time, and collection agencies began to hound him relentlessly. The stress became almost unbearable, but Ralph refused to give up.
With unwavering determination, Ralph worked tirelessly to get back on track. He focused on growing his skills as an insurance advisor, and soon his hard work began to pay off.
Today, Ralph stands as one of the top insurance advisors in his company, and his mission is clear: to help every overseas Filipino become financially empowered so they won't encounter the same mistakes he made earlier in his life.
🧠 What you’ll learn:
- Moving on from your mistakes
- How to manage variable income
- Focusing on what you can control
- The most important thing to check when looking for an insurance advisor
- How to find the right mentor
--
Connect with Ralph
Connect with Kuya Jay
--- Send in a voice message: https://podcasters.spotify.com/pod/show/perapurposepodcast/message
Coach Wanda has lived an incredible life filled with challenges, growth, and success.
She lost her father at the young age of nine, which changed everything for her family.
Despite this, she went on to become a Certified Public Accountant and Audit Manager by working in multinational companies like EY and Emirates.
In her first year as an OF in 2006, she did extraordinary ways to save money for her to be able to pay-off all her debts in just one year!
Everything was going well for her as she slowly started investing in properties and other investments.
But being in a highly demanding job was tough for her as a mother of two and in 2014, Wanda suffered from burnout.
It was then that Wanda realized that she wasn't alone in her struggles, and many others were suffering from stress and burnout just like her.
This event led her on a new path, one that saw her become an international career coach and trainer for working individuals and organizations.
In 2021, she became the Number 1 Most Influential Filipina on LinkedIn, a testament to her hard work and dedication.
Wanda's mission now is to end the epidemic of stress and burnout by sharing life tools that education lacks through training and coaching.
Her journey is a testament to the power of resilience, determination, and faith.
This episode is PACKED with so much learning, so make sure you give it a listen!
🧠 What you’ll learn:
- How Coach Wanda overcame retail shopping by serving others
- Her 3 questions that help her avoid emotional spending
- The “Commitment Device” that helped her to avoid lifestyle inflation
- How to listen to God’s whispers
- The power of Asking
- Uncovering your Money Blocks
- Career tips to help you grow your income
- Intuitive Investing
- How to teach kids money
Connect to Coach Wanda: www.linkedin.com/in/coachwanda
Coaching: https://calendly.com/jayadriantolentino/meeting
Support the podcast: buymeacoffee.com/peraandpurpose
SOCIAL MEDIA:
IG: (https://www.instagram.com/heyitskuyajay)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
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OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
--- Send in a voice message: https://podcasters.spotify.com/pod/show/perapurposepodcast/message
Godwin's journey began in humble beginnings when he worked at McDonald's at 17 years old. He decided to take a chance and moved to Dubai in 2015 in search of a better life. Unfortunately, life as an Overseas Filipino wasn’t what he thought it was, and he found himself in debt for several years.But just as things seemed their bleakest, Godwin received his big break when he became the first and only Filipino artisan painter for Louis Vuitton in the Middle East. His income grew exponentially, and he was able to live a lavish lifestyle.However, Godwin realized that he needed to be responsible with his newfound wealth. He began to educate himself on investing, and he started investing in properties both in the UAE and the Philippines. Over time, he became more and more passionate about investing, and he began to allocate 80% of his income towards it.As Godwin's passion for investing grew, he realized that he wanted to use his resources to help struggling artists promote their work. He began building a business that did just that, providing a platform for artists to showcase their creations and giving them the support they needed to succeed.What you’ll learn Why being in debt should not stop you from pursuing your passion Why knowledge alone is not enough The importance of growing your network How meditation helped him stay the course How he learned to invest 80% of his incomeASK KUYA JAY: https://forms.gle/6dM1PZtyTqw5gKZNASOCIAL MEDIA:FB: (https://www.facebook.com/jayadriantolentino)IG: (https://www.instagram.com/jayadriantolentino) LinkedIn: (https://www.linkedin.com/in/jayadriantolentino) YouTube: (https://www.youtube.com/@jayadriantolentino)TikTok: (https://www.tiktok.com/@jayadriantolentino)OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:EMAIL: (hey@jayadriantolentino.com) WHATSAPP: (https://wa.me/971521435522)--- Send in a voice message: https://podcasters.spotify.com/pod/show/perapurposepodcast/message
Money is a tricky thing. Isa ito sa mga kailangan natin sa buhay, pero it's also one of those things that can make us feel like we don't have enough.
How are we supposed to get enough money to do the things we want, while also avoiding money from controlling our life?
Well, worry no more! Our special guest for today is going to give us all the tools and tips we need to succeed in our quest for financial freedom and avoid being a slave to money dahil he is the Director of Registered Financial Planner Institute Philippines, a best-selling author, a loving husband, a father and a rockstar advocate of Life & Personal Finance. Hindi sya alipin ng salapi pero ‘di nya kayang tumanggi sa isang masarap at mainit na kape! Purposeful People help me welcome Mr. Randell Tiongson!
🧠 What you’ll learn:
✅ How money changes people
✅ How to find contentment
✅ How to know if money is already the center of your life
✅ Randell’s personal story on why money is not a good master
Connect with Randell: https://randelltiongson.com/
🤙🏼 If you are a Filipino based in the UAE, do not miss our 2-day conference that will help you build a better financial future.
Sign up now for Money Talks UAE 2023:
[https://bookwhen.com/moneytalksuae]
[https://bookwhen.com/moneytalksuae]
[https://bookwhen.com/moneytalksuae]
🤙🏼 THE KWARTA CHRONICLES - A free personal finance newsletter for the busy Overseas Filipino in the UAE: https://kwartachronicles.beehiiv.com/subscribe
ASK KUYA JAY: https://forms.gle/6dM1PZtyTqw5gKZNA
SOCIAL MEDIA:
FB: (https://www.facebook.com/jayadriantolentino)
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YouTube: (https://www.youtube.com/@jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
--- Send in a voice message: https://anchor.fm/perapurposepodcast/message
FOMO: Fear Of Missing Out. It's a real thing, and it's not just for teenagers. The older we get, the more likely we are to fall victim to FOMO, because we have more to lose—we have kids, homes, careers. We have important things that we can't afford to miss out on. But what happens when fear of missing out makes us do things that aren't in our best interest?
What you'll learn:
-
What Financial FOMO is
-
Why it happens
-
My personal experience on FOMO
-
How you can avoid my costly mistakes caused by FOMO
Resources mentioned:
Fear of missing out and its link with social media and problematic internet use among Filipinos: https://www.researchgate.net/publication/329163251_Fear_of_missing_out_and_its_link_with_social_media_and_problematic_internet_use_among_Filipinos
THE KWARTA CHRONICLES: www.kwartachronicles.beehiiv.com
ASK KUYA JAY: https://forms.gle/6dM1PZtyTqw5gKZNA
SOCIAL MEDIA:
FB: (https://www.facebook.com/jayadriantolentino)
IG: (https://www.instagram.com/jayadriantolentino)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/@jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
--- Send in a voice message: https://anchor.fm/perapurposepodcast/message
Building new money habits can be a struggle if it's your first time doing it.
In this episode I'll talk about how you can start a new financial habit and how you can stick to it!
What you'll learn:
-
Why building a new habit is hard
-
How habits are formed
-
The 4 Laws of Behavioral Change
-
How my habits changed from being a spender to an investor
--
SOCIAL MEDIA:
FB: (https://www.facebook.com/jayadriantolentino)
IG: (https://www.instagram.com/jayadriantolentino)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
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OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
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--- Send in a voice message: https://anchor.fm/perapurposepodcast/message
Do you feel as though you are working so hard to be wise with your money but you never seem to get ahead? Or have you been working your tail off, but at the end of the month, you don't have much to show for it?
Yes, issues like inflation and recession are genuine concerns that can seem like major impediments. But even when the economy isn't insane, if you don't establish any financial goals, you'll probably still feel like you're going nowhere.
Don't worry. It's not as difficult as it sounds, so I'll walk you through the step-by-step process on how to set and reach your Financial Goals this year!
What You’ll Learn:
- Why goal setting is important
- The reason why many don’t achieve their goals
- The SMARTER way of goal setting
- How to effectively breakdown your goals
GOAL SETTING TEMPLATE: https://docs.google.com/spreadsheets/d/1sG4F9a0S-KrOaXLNBkBbTFWYEGp8u0ZuffAH1eNuDkc/edit?usp=sharing
ASK KUYA JAY: https://forms.gle/6dM1PZtyTqw5gKZNA
SOCIAL MEDIA:
FB: (https://www.facebook.com/jayadriantolentino)
IG: (https://www.instagram.com/jayadriantolentino)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
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OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
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VIBER: (https://msng.link/o/?971521435522=vi)
--- Send in a voice message: https://anchor.fm/perapurposepodcast/message
It’s the Christmas season, and the end of the year is just around the corner. This is a great time to take a quick look at your finances to make sure you're ready for 2023.Before we get so busy with our New Year’s resolution, I'm going to review a list of important things every individual should do before the end of the year to get their finances in order.What you'll learn:- The important year-end checklist using the 4 pillars of personal financeAsk Kuya Jay: https://forms.gle/E6hWB5zKFnqP2zi1A---SOCIAL MEDIA:FB: (https://www.facebook.com/jayadriantolentino)IG: (https://www.instagram.com/jayadriantolentino)LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)YouTube: (https://www.youtube.com/@jayadriantolentino)TikTok: (https://www.tiktok.com/@jayadriantolentino)--- Send in a voice message: https://anchor.fm/perapurposepodcast/message
Do you feel stuck in your life right now?
You’ve been working for so long and your income has not grown.
Isa lang ibig sabihin nyan, you need to learn something new!
I know it's hard to believe that something as simple as learning a few new skills can make a big difference in what you earn, but it's true.
The more skills you have under your belt, the more options you have in the job market, and the more money you can earn by doing work that makes you happy.
Today we're going to be talking about the top four timeless life skills that will help you boost your income. It's a topic that's near and dear to my heart because these were exactly the skills I had to learn myself to help me boost my income.
--
What you'll learn:
- How improving your communication can boost your income by 50% more
- The hack to speak confidently
- The right way to do sales
- Why it's necessary for you to promote yourself
- How Emotional Intelligence is going to help you in many areas of your life
- The best assessment to take to improve your EQ
SOCIAL MEDIA:
FB: (https://www.facebook.com/jayadriantolentino)
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LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
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Saving more money remains to be one of the most troublesome financial concerns by many Filipinos.
Some of the most common pieces of financial advice you’ll hear is to live on a tight budget, to be frugal and to spend wisely. While these are not bad, being on the defensive side of your finances won't be enough to help you win in your finances.
In this episode, I share the 4 resources I learned to use over the years which helped me increase the number of my income sources and savings.
What you’ll learn:
- The common reasons why many Filipinos can’t save money
- Why defense alone does not help you win in your finances
- How to work on the “Offensive Side” of your finances
- Why complacency leads to poverty
- The 4 important resources to help you save more money today
PPP Community: https://nas.io/jayadriantolentino
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
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VIBER: (https://msng.link/o/?971521435522=vi)
Have you ever wondered why no matter how much salary increase you make or extra money you get, eh wala ka pa ring naiipon.
More money, same problems.
Baka isa ka sa mga biktima ng Lifestyle Inflation o ang dahan-dahang paglaki ng iyong gastusin habang lumalaki ang iyong kinikita.
There are many things that contribute to this horrible phenomenon and this is worse than the usual inflation that we are are facing.
We tend to ignore or forget about these expenses and spend money on ourselves every time we can (or feel like it)!
What You'll Learn:
-
What Lifestyle Inflation means
-
The Diderot Effect
-
Why Lifestyle Inflation happens
-
How to avoid Lifestyle Inflation
-
Some examples of "Good" lifestyle inflation
Get Ready for 2023 Workshop! https://forms.gle/3kyqLqEahzKHMCyUA
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
We all know that our success lies within our own two hands.
Walang ibang magpapayaman kung di ang ating sarili lang.
This is why Self-leadership can help you get ahead in your career, life and finances!
However, what does it really mean to be our own leader and how do we even develop that mindset when everything is against us?
You’re lucky because today we are joined by Sean Si who learned how to lead himself to success to become a CEO at a young age of 22!
He is the CEO and founder of SEO Hacker and the host of the Leadership Stack podcast.
He has led his team through chaos and crisis to the million-dollar company that it is today.
He is a Wharton-certified Executive Leader and Persuader, a John Maxwell certified speaker and coach, and a certified master of the Reiss Motivation Profile.
He has spoken at the biggest conferences including TEDx, national events, expos, and has shared the stage with other well-known international speakers and former Presidents of the Philippines.
What will you learn:
- "The One-Man principle"
- leaders are born leadership can be learned
- humility is not fake insecurity
- build habits compound effect and atomic habits
- power of prayer, be accountable
- Why is it important for us to learn how to lead ourselves?
- What does it mean to lead ourselves?
- Where does self-leadership come from?
- Is self-leadership a trait or a skill that can be learned?
- Why is it hard to lead ourselves?
- How do I prevent overconfidence?
- Where do we begin if we want to lead ourselves to change for the better?
Connect with Sean:
-
LinkedIn: www.linkedin.com/in/seansi/
-
IG: https://www.instagram.com/sean.si/
-
FB: https://www.facebook.com/seansi.speaks
-
Website: https://sean.si/
-
SEO Hacker: https://seo-hacker.com/
SOCIAL MEDIA:
- FB: (https://www.facebook.com/PurposeDrivenFinance)
- IG: (https://www.instagram.com/purposedrivenfinance)
- LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
- YouTube: (https://www.youtube.com/c/HeyKuyaJay)
- TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
- EMAIL: (hey@jayadriantolentino.com)
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- VIBER: (https://msng.link/o/?971521435522=vi)
Seigmond “Mang Emong” Abad started his journey as an Overseas Filipino back in 2014. His extensive background in banking and never-give-up attitude helped him succeed as a Financial Advisor from the day he started working.
We both met in 2018. We teamed up as advisors and started our project called Empowered Expats - a series of vlogs that focused on personal finance and personal development. In 2019, together with some of our friends, we co-founded a creative design company to serve as another stream of income. Everything was going well for him during that time as he started his transition to filmmaking. He won prestigious competitions, became a Nikon brand ambassador, got interviewed by ABS CBN for his work and became a 2019 The Filipino Times Filmmaker of the Year finalist.
But when the pandemic came, everything went south. He went behind on his car payments, unable to pay the rent and even got his phone line cut for not having any money to pay for it. What’s worse was he couldn’t send any money back home to support his daughter at the height of the pandemic!
Today, he's one of the most sought after filmmakers in the UAE, working with top fashion designers like Michael Cinco and Splash, the largest fashion retailer in the Middle East!
In this episode, he shared how he overcame the thought of quitting, how his obsession to his craft as a filmmaker opened up other opportunities for him, and why we should never give up on our dreams no matter what struggle we might face.
What will you learn:
- Why buying second hand items is fine
- The importance of not giving up on your dreams
- Why you should be obsessed in being the best at what you do
- How to get out of your comfort zone
- The secret of the successful people
- How to spend on purpose
Connect with Mang Emong: https://www.instagram.com/mangemong_seigmond/
PODCAST WITH A PURPOSE WORKSHOP: https://jayadriantolentino.com/podcastwithapurpose
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
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OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
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The dollar is at its strongest in over two decades.
Napakadami talagang pagsubok ngayong taon, dumagdag pa ang pagbaba ng halaga ng Philippine Peso.
As I speak, 1 USD = 58 pesos, and 1 AED = 16 pesos!
Buti pa ang dollars, nagmamahal. Yung crush mo, may iba ng mahal.
Pero bago ka pa humugot dyan. Alamin mo na lang kung bakit nagkakaron ng currency fluctations, ano ang epekto ng pagbaba ng PH peso, at ano ang mga pwede mong gawin para kumita ngayong mababa ang halaga ng bawat piso mo.
What will you learn:
- What causes currencies to fluctuate?
- What caused the fall of the PH peso
- What makes the dollar so powerful?
- How can you make money during this time
- How to avoid losing money from when currencies fall?
SOCIAL MEDIA:
- FB: (https://www.facebook.com/PurposeDrivenFinance)
- IG: (https://www.instagram.com/purposedrivenfinance)
- LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
- YouTube: (https://www.youtube.com/c/HeyKuyaJay)
- TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
- EMAIL: (hey@jayadriantolentino.com)
- WHATSAPP: (https://wa.me/971521435522)
For the past several months, there has been a couple of companies that are going public, raising funds with the goal to grow their business further.
Siguro nakarinig ka na rin ng mga tsismis or nakita mo sa social media ang mga taong nag profit sa dahil sa Initial Public Offering ng isang company.
Pero..
What exactly is an IPO, how does it work and why do companies engage in this activity?
How can you invest but most importantly, should you REALLY invest in an IPO?
Yan ang pag uusapan natin today dahil we’ll talk about What You Need to Know About Initial Public Offerings AKA IPO’s
What You'll Learn:
-
What are IPO’s (Initial Public Offering)?
-
Why do companies do an IPO?
-
How does an IPO work?
-
Can anyone invest in an IPO?
-
How can you buy an IPO company?
-
Is an IPO a good investment?
-
A rundown of Salik's IPO
Resources Mentioned:
- Initial Public Offering (IPO): What It Is and How It Works: https://www.investopedia.com/terms/i/ipo.asp
- IPOs for Beginners: https://www.investopedia.com/financial-edge/0312/ipos-for-beginners.aspx
- What Happens to IPOs Over the Long Run?:https://www.nasdaq.com/articles/what-happens-to-ipos-over-the-long-run-2021-04-15
- Performance of Philippine Initial Public Offerings (IPOs) - Critique of Current Studies and Update: https://www.researchgate.net/publication/352118103_Performance_of_Philippine_Initial_Public_Offerings_IPOs_-_Critique_of_Current_Studies_and_Update
- Salik prices hits IPO at 2AED a share: https://open.spotify.com/episode/0YFC5xm4YmMmRZH3iaoqdx?si=_rhk1OfYTNiD4ZVFudNMdg
- What you need to know about Salik IPO: https://open.spotify.com/episode/44VbexU6C1Vg7sLLwETTwa?si=HvlZUy76SsyYAJhZvgkc5A
- Salik IPO Prospectus: https://ipo.emiratesnbd.com/-/media/enbd/files/ipo/salik/salik-prospectous-en.pdf
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
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OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
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SUPPORT OUR BUSINESS:
Self-Love Works (Online Skincare Shop in the UAE): www.selfloveworks.co
Have you ever felt that no matter what you buy or where you go - you still feel unhappy?
Do you sometimes feel lost in life?
Madalas ka bang nagi-guilty after making a purchase?
You’re probably one of the many people who buy on impulse or buy unconsciously.
Wag kang mag-alala dahil in this episode I’ll be sharing with you the art and science of intentional spending. These different techniques that I’ve learned over time will help you spend with intent and find meaning in every penny.
What you’ll learn:
- The meaning of Intentional Spending
- The science behind Intentional Spending
-
The art of Intentional Spending
-
Intentional Spending Exercise (Canva Template): https://bit.ly/3wFp1XD
-
Kuya Jay’s 4-Way Test When Spending
-
The Ultimate Buying Decision Guide: https://bit.ly/3wBp727
Visit www.selfloveworks.ae for your favorite skin care brands! (UAE ONLY)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
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Berkshire Hathaway CEO Warren Buffett is continuously ranked as one of the richest people in the world.
One of his most famous sayings is "Rule No. 1: Never lose money. Rule No. 2: Never forget rule No. 1."
Easier said than done, right?
Sa dami ng mga investments, scammers, financial products, temptations to splurge.. papano mo pa maiiwasan ang hindi mawalan ng pera?
Kaya sa episode na to, I will share with you the different ways on how to avoid losing money (again)!
--
SOCIAL MEDIA:
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IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
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OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
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An insurance product is an important purchase you can make to protect your assets and family’s livelihood.
When I realized I need one, I immediately shopped around kung ano ba ang best na insurance para sakin.
Unfortunately, my experience with my first insurance agent was not the most pleasant.
It was one of the main reasons why I got into the insurance industry.
Kaya sa episode na to, I’ll share with you the things that I should’ve done noong unang beses akong kumuha ng insurance.
If you are buying your first or second insurance, this one’s for you. If you’re an insurance agent, dapat mo talagang pakinggan to.
What you'll learn:
-
How to shortlist insurance companies and insurance agents/brokers
-
The qualities that you should be looking for in an insurance agent
-
The important questions you need to ask
-
The Red Flags
Agencies Mentioned to Check the Financial Strength of an Insurance Company:
-
A.M. Best Company: www.ambest.com
-
Fitch Ratings: www.fitchibca.com
-
Kroll Bond Rating Agency (KBRA) www.kbra.com
-
Moodys: www.moodys.com
-
Standard & Poor’s
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
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OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
Napansin mo na ba yung mga sinasabi mo ay kadalasan nagkakatotoo?
Naniniwala ka ba na you attract the things that you say?
There’s power in every word that we hear or say kasi they ultimately become part of our belief system.
Sa totoo lang, wala namang tama at maling belief system dahil iba iba tayo ng pananaw sa buhay.
The only thing that’s important to know is: “Is this belief limiting or empowering you?”****
Beliefs are formed when you see, hear or experience it kaya sa episode na to we’ll talk about the most common statements that usually lead to limiting beliefs about life and money.
What you'll learn:
-
How Limiting Beliefs are formed
-
The most common statements that usually leads to Limiting Beliefs
-
How to break free from your Limiting Beliefs
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
They say the first million is always the hardest kaya in this episode I'm joined by Mr. Bryan Bracero, one of our listeners who's based in South Korea working in a manufacturing company.
In this episode you'll learn:
✅ The importance of communicating well with your family
✅ How having a clear vision can help you achieve your goals
✅ The system that he made to help him save his first million
✅ Why teachers play an important role in a person's life
Learn more about Bryan:
Ta Mousai FB Page - https://www.facebook.com/TaMousai
Announcements:
- Money Talks UAE is happening on July 16-17, buy your early bird tickets now: https://bit.ly/MTUAE2022
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
A few weeks back, I got the chance to be invited as the resource speaker for the MoneyGurado series of PLDT Global and SandBox Middle East.
I talked about the why many OF’s fail to save money and how to increase our savings.
During the Q&A, one of the participants asked about the difference between saving and investing.
Isa ito sa mga common questions na nakukuha ko.
May mga nagtatanong kung dapat bang mag invest na agad kasi maliit lang naman ang kinikita ng bangko?
Yung iba naman takot mag invest kaya save, save, save lang sa buong buhay nila!
Ang dami pa ring confused sa pinagkaiba at pinagkapareho ng savings and investing.
Dahil jan, yan ang tatalakaying natin today!
What You'll Learn:
-
The Definition of Saving & Investing
-
The Key Differences of Saving & Investing
-
The Only Similarity of Saving & Investing
--
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
Happy 124th Independence Day mahal kong Pilipinas!
Araw na naman ng kalayaan..
Pero ang totoo, malaya nga ba tayo kung marami pa rin sa atin ang lubog sa utang, hindi makauwi ng pilipinas para makapiling ang ating pamilya at stuck sa trabaho na hindi talaga natin gusto?
Let’s face it. Financial Freedom is not free and there’s a price to pay if you want to be truly independent.
Kaya sa episode na to, we’ll define what financial freedom is, talk about the things that what will prevent us from achieving it and the price that we need to pay in order to achieve it.
What You'll Learn:
-
Defining Financial Freedom
-
How to know your Financial Independence number
-
The True Cost of Financial Freedom
-
The Things That Will Prevent Us From Being Financially Free
Resources Mentioned:
-
The 4 Elements of Financial Freedom According to Consumer Financial Protection Bureau: https://www.consumerfinance.gov/consumer-tools/financial-well-being/about/
-
The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp
--
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
Doing something new can be a daunting task lalo na if it's having your own business.
In this episode I'll share how me and my wife started our new e-commerce business and why starting small, growing slow and learning fast is the best way to go.
What you'll learn:
-
Why start small and grow slow
-
The 5 Stages of Small Business Growth
-
How you can learn faster
-
The importance of having a mentor
Visit our skincare website: www.selfloveworks.co
Resource mentioned:
- The 5 Stages of Small Business Growth by HBR: https://hbr.org/1983/05/the-five-stages-of-small-business-growth
--
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
The stock prices of Amazon, Google parent Alphabet, and Meta are all down more than 20 percent this year.
Bitcoin's price fell as low as $26,000 this month, down 60 percent from its peak in November of 2021!
Luna, the sister cryptocurrency of controversial stablecoin TerraUSD, has collapsed to nearly $0!
The market is crashing!!
Pero bago ka mag-panic, listen to this episode first as I discuss:
- Why do market crashes happen? - What caused the recent crypto crash? - What MUST you do during crashes?
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
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YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
The stock prices of Amazon, Google parent Alphabet, and Meta are all down more than 20 percent this year.
Bitcoin's price fell as low as $26,000 this month, down 60 percent from its peak in November of 2021!
Luna, the sister cryptocurrency of controversial stablecoin TerraUSD, has collapsed to nearly $0!
The market is crashing!!
Pero bago ka mag-panic, listen to this episode first as I discuss:
-
Why do market crashes happen?
-
What caused the recent crypto crash?
-
What MUST you do during crashes?
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/jayadriantolentino)
TikTok: (https://www.tiktok.com/@jayadriantolentino)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
Blockchain was originally designed to support cryptocurrencies, but it has been extensively praised for its potential to transform other industries.
In 2024, global blockchain expenditure is expected to reach over $17.9 billion, with a five-year compound annual growth rate of 46.4 percent.
So in this episode I have invited a Felix Asuncion who is involved into multiple industries like catering, retail, fin tech and now blockchain.
Felix is..
- Owner of Godfather Shoes Pampanga, a well-known shoe brand in the Philippines
- President of the Kapampangan Food Caterers Association (CFCA)
- Marketing Director of ADM Catering Services, one of the leading caterers in Central Luzon
- Chief Revenue Officer for Viridian Technologies and co-founder of Tetrix Network.
What You'll Learn:
- Why do we need Blockchain in our life?
- What are the Top Real-Life Problems that Blockchain Solve?
- How can blockchain be used for evil?
- What are the qualities of a promising blockchain project?
- How can we participate in blockchain projects?
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/HeyKuyaJay)
TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
Are you truly investing or just gambling your money?
Register to Pera & Purpose Pre-Workshop Webinar: https://bit.ly/38EsTPg
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/HeyKuyaJay)
TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
Zeena Zalamea-Turner is a Filipino news presenter, reporter, and a producer for Dubai Eye 103.8 FM under Arabian News Network and formerly a correspondent at Dutch broadcaster VPRO, and concept developer/scriptwriter and segment producer at ABS-CBN.
She started with nothing when she came to Dubai in 2006 but being raised by a single mom and being the breadwinner of the family was enough motivation for her to succeed in her career and in life.
In this episode she shared how being a wise spender and writing down her goals helped her settle her moms tremendous medical bills, send her sister to college and buy her family a 3-BR home in the Philippines.
You'll also learn the value of insurance, side hustles and why having an accountability partner can help you achieve financial success!
Connect with Zeena:
LinkedIn: https://www.linkedin.com/in/zeenazalamea
IG: https://www.instagram.com/zeenazalamea
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/HeyKuyaJay)
TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
MY PODCAST SETUP:
- Samson Q2U Mic:
- https://amzn.to/3fo9B0R (Amazon UAE)
- https://bit.ly/3ntcQbP (Lazada PH)
- Sony a6000 Camera:
- https://amzn.to/33qWkSy (Amazon UAE)
- https://bit.ly/3Gzd0Wn (Lazada PH)
- Dummy battery for Sony Camera:
- https://amzn.to/3roTSnw (Amazon UAE)
- https://bit.ly/3I75H8L (Lazada PH)
- Capture Card
- https://amzn.to/3FtTyJl (Amazon UAE)
- https://bit.ly/3A1EKR6 (Lazada PH)
- HDMI Cable
- https://amzn.to/3ntifQ9 (Amazon UAE)
Ramdam nyo na ba ang pagtaas ng presyo ng mga bilihin?
Sa past episode na-mention natin ang impact ng geopolitical issues like the russia-ukraine war sa ating finances and ngayon, unti-unti na nating nararamdaman ang epekto ng inflation dahil sa pagtaas ng presyo ng langis and kakulangan ng wheat supply or trigo.
May gera man o wala, expected naman natin na tumataas talaga ang presyo ng mga bilihin as the years go by.
Wag kang mag alala dahil even if you feel helpless, there are a number of practical solutions to fight the increasing price of goods.
Sa episode na to, pag-uusapan natin kung paano i-hahandle ang tumataas na presyo ng bilihin kahit ang sweldo natin ay ganon pa rin.
What You'll Learn:
-
How to manage the most important areas of your finances when inflation is high
-
The best time to use electricity
-
How you can save on gas
-
How to lessen your food and grocery expenses without sacrificing health
Resources:
DEWA: https://www.dewa.gov.ae/~/media/A5-5907_General%20Tips%20Bro_ENG.ashx
Meralco Peak/Off-Peak Hours: https://corporatepartners.meralco.com.ph/products-services-and-programs/peak-peak-program
Cheap Healthy Foods:
4-Day Work-Week in the PH: https://newsinfo.inquirer.net/1569687/fwd-dutertes-decision-on-proposed-4-day-work-week-will-be-out-on-mar-21
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/HeyKuyaJay)
TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
Alam nyo ba na the Pag-IBIG Board of Trustees has approved dividends for their members’ savings in the amount of P31.79 billion – the highest declared amount in the history of PagIBIG! The final dividend rates for 2021 are now 5.5% for the Pag-IBIG Regular Savings and 6% for MP2.
Pero ano ba talaga ang MP2 or Modified Pagibig 2 savings program?
Paano tayo pwedeng kumita or mawalan ng pera dito?
At ito nga ba ang best investment vehicle for us Filipinos?
Yan ang tatalakayin natin today dahil I’ve researched the most asked questions sa investment vehicle na to kaya make sure na you finish this episode until the end!
What You'll Learn:
-
Why consider Pag-Ibig MP2?
-
What exactly is MP2?
-
How MP2 works
-
How you make and lose money from MP2
-
How much you need to start
-
What happens to your dividends if you withdraw early
-
How to renew
-
How to open an account
-
How to fund your MP2 account
-
Who should invest in it
Resources:
- MP2 Savings Enrollment: https://www.pagibigfundservices.com/MP2Enrollment/
- Online Membership Registration: https://www.pagibigfundservices.com/PubReg/NewReg_Page.aspx?88D64A1E7CDAFB6882DDFEB76443D811
- Pay MP2: https://www.pagibigfundservices.com/virtualpagibig/OPF.aspx?PT=M2
- Pag-IBIG MEMBERSHIP ID (MID) NUMBER INQUIRY: https://www.pagibigfundservices.com/virtualpagibig/MIDInquiry.aspx
- MP2 FAQ & SAMPLE COMPUTATIONS: https://www.pagibigfund.gov.ph/Membership_ModifiedPagIBIG2.html
- EMail Template for MID Number: https://docs.google.com/document/d/1hNEzsSjBhbmysmcAmGwT3zq4jFHRZIGvL59TJqDFAJU/edit?usp=sharing
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
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Presidents get a lot of the blame, and take a lot of the credit, for the performance of a country’s economy while they are in office.
Napakarami nilang trabaho and it is probably the most stressful job ever!
Pero when it comes to Personal Finance, ano ba talaga ang magagawa ng susunod na presidente lalung-lalo na sa ating mga kaperahan, utang at investments?
Sa special episode na to, we are bringing back Ms. Salve Duplito, one of the most requested guests sa ating podcast dahil she is:
- TV & News Personality
- co-host of On The Money, a personal finance show aired on the ABS-CBN News Channel
- Anchor for DZMM Teleradyo
- Registered Financial Planner
- YAMAN Coach
- Journalist
- Good Governance Advocate
- President & CEO of Empower & Transform, a young company composed of a dynamic team that has the expertise and experience in the advancement of financial education for Filipinos.
What You'll Learn:
- Why is electing the next president crucial to our finances and investments?
- How does the president influence the economy and the personal investments of the people he or she leads?
- What are the core competencies and characteristics of a president that can be beneficial for our finances?
- Who Ms. Salve is rooting for and why
- If you were to be the president of the PH, how will you help the Filipinos become financially free?
Information Mentioned:
- Bill Ackman's "Birth Right" proposal: https://www.forbes.com/sites/shaharziv/2020/12/07/bill-ackman-give-every-child-6750-so-they-retire-millionaires/?sh=bb3a50e75345
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://calendly.com/purposedrivenfinance/fhc)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
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YouTube: (https://www.youtube.com/c/HeyKuyaJay)
TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
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VIBER: (https://msng.link/o/?971521435522=vi)
Sadly, Ukraine and Russia are still in conflict.
War is a costly affair to governments and crucial to their citizens, kaya it is a must that we know its impact and how to prepare financially if ever it happens to us.
Here I discussed the direct and indirect impact of the war to our finances.
In this episode you'll learn:
-
How the current war will affect the Philippines as a whole
-
The impact of war on our your cash, loans, & investments
-
Money lessons during the World War 2
-
What to do with your investments right now
-
How to invest across different countries with these two ETF funds
To Help Ukraine: https://bit.ly/3sBTGn4
Resources:
-
How High is the Cost of War Around the World in 2019?: https://bit.ly/35MPdoE
-
Protecting your capital during a war: https://bit.ly/3C5WqvM
-
PH among 'biggest losers' in Ukraine war: https://bit.ly/3IBu9zX
-
How the Modern Stock Market is Affected by War: https://bit.ly/3IEhADN
-
Consumer borrowing was heavily restricted in 1940s to curb inflation – it’s time we did it again: https://bit.ly/3C812Sj
I'm planning to build a course to help you make your own financial plan!
Please send me a feedback of your suggestions and what topics you want me to put in that course.
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/HeyKuyaJay)
TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
VIBER: (https://msng.link/o/?971521435522=vi)
When it comes to investing, you make money the moment you buy, not when you sell. Pero how do you know what industry and investment trends are worth pursuing? Many people say that trend can be your friend but if you’re not careful, it can lead you to your end! Kaya sa episode na to, ininvite natin ulit si Bro. Fitz Villafuerte - ang isa sa mga favorite guests natin who has profited from trends in the past dahil he is:
a Registered Financial Planner Entrepreneur Director of Wealth Arki Owner of Ready To Be Rich blog, FB & YouTube channel Host of the 80% Podcast, which is the #1 Personal Finance podcast in the PH
What You'll Learn:
Why should we learn how to spot trends? What are the latest trends that you think many people should look at? What is your process in spotting trends? How do you prevent jumping on the bandwagon aka herd mentality? Contrarian Investing What tools do you use? How do you know if a certain investment trend is worth pursuing? What if I hate researching? What if I don’t have enough money? Should long term investors focus on the latest trends?
Connect with Bro. Fitz:
Website: www.fitzvillafuerte.com FB: www.facebook.com/readytoberich YT (Ready To Be Rich) : www.youtube.com/c/ReadyToBeRichYT YT (Wealth Arki): www.youtube.com/c/WealthArki Spotify (The 80% Podcast): https://open.spotify.com/show/3WYnow7T1xvoZb0q5hS7PV TikTok: www.tiktok.com/@fitzvillafuerte — 👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu) ✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY) 💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv) SOCIAL MEDIA: FB: (https://www.facebook.com/PurposeDrivenFinance) IG: (https://www.instagram.com/purposedrivenfinance) LinkedIn: (https://www.linkedin.com/in/jayadriantolentino) YouTube: (https://www.youtube.com/c/HeyKuyaJay) TikTok: (https://www.tiktok.com/@heykuyajay) OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS: EMAIL: (hey@jayadriantolentino.com) WHATSAPP: (https://wa.me/971521435522) VIBER: (https://msng.link/o/?971521435522=vi)
Decentralized Finance (DeFi) is an emerging technology that aims to remove third parties in financial transactions.
Over the years it has grown rapidly at a pace that I never thought possible.
As I’m learning this space, I’m fortunate to have met Emman Navalan whom I got recently connected with through a trusted friend.
He is a civil engineer by profession, a crypto investor, a entrepreneur and the CEO of Tetrix Network - an omnichain blockchain network that aims to bridge and solve present blockchain limitations.
He’s been my go-to-guy when it comes to all my questions about blockchain, crypto and anything and everything revolving Decentralized Finance!
What you’ll learn:
- Why should we care about DeFi?
- What exactly is DeFi?
- Traditional Finance vs FinTech vs DeFi
- What are the problems that DeFi solve?
- What can you do with DeFi?
- How does DeFi work?
- What are the important projects in DeFi right now?
- What are the risks involved?
- How to participate in DeFi?
- Should the entire world go 100% DeFi?
Get in touch with Emman and learn more about Tetrix Network:
- website: www.tetrix.xyz
- facebook: www.facebook.com/TetrixNetwork
- Telegram @tetrixnetwork
- Email: info@tetrix.xyz
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
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MY PODCAST SETUP:
- Samson Q2U Mic:
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- Sony a6000 Camera:
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Sa panahon ngayon, many professionals are taking on a “side hustle” in addition to their full-time job. More and more people are choosing to pursue freelance work, sell handmade products, drive for rideshare services and many other ways to earn supplemental income and achieve their goals.
But is “side-hustling” for everyone?
How do we know the right kind of work to pursue?
How do we avoid hustling all day just to burn ourselves out?
Ito ang tatalakayin natin in this episode because we have a professional side hustler!
Gia Santos AKA Engr. Raketera is:
- Licensed Electronics Engineer
- Alumni of Leaders in Innovation Fellowship Program
- Assistant Unit Manager & Financial Advisor
- CEO & Co-Founder of BookSpine.ph
- Forex trading student
- Former online store owner, freelance writer, online teacher, University lecturer, virtual assistant, sales distributor, researcher, at kung anu-anu pang mga raket na pwede mong isipin
What you'll learn:
-
Why is it important to have a side hustle?
-
Who needs a side hustle anyway?
-
Is side hustling a full-time job for you?
-
When is the best time to start a side hustle?
-
How to find the right side hustle for you?
-
How to balance your side hustle with your full time job?
-
How to start with no money or resources?
-
What are the most profitable side hustles today?
-
What’s your take on the Hustle Culture?
Connect with Ms. Gia:
Hustle with A Purpose Workshop: http://engrraketera.com/ikigai
Website: https://engrraketera.com/
LI: https://www.linkedin.com/in/giasantos/
YT: youtube.com/engrraketera
FB: https://www.facebook.com/Engr.Raketera/
IG: https://www.instagram.com/engr.raketera/
For partnerships, email gia@engrraketera.com or gia@bookspine.ph
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
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Money topics are never just about money. These subjects will always be touchy, awkward and emotional.
But getting comfortable with money talks with family and friends can be rewarding and even life-changing.
In this episode I have invited Coach Herbie Recato. He is..
- A fellow YAMAN Coach and Overseas Filipino who works as a Senior Landscape Designer and Urban Planner in Shanghai for 10 years now.
- Active advocate of Financial Literacy & Well-Being to fellow OF’s in China
- A Registered Financial Planner and the Co-Founder of Mind Over Money Community
What you’ll learn:
- The reason why it’s so hard to talk to our family and friends about money
- The best ways to discuss to your family and friends about better money management without making it awkward, uncomfortable and preachy
- How to deal with financial disagreements
Connect with Coach Herbie:
FB: https://www.facebook.com/harecato
Mind Over Money FB Community: https://www.facebook.com/groups/266250635359176
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
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IG: (https://www.instagram.com/purposedrivenfinance)
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TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
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Last December of 2021, a post I made about a scampany went a bit viral. Before the rest of the world knew it was a scam, I was mocked and shamed by people I didn’t know and those who i thought were my friends!
Natakot din ako para sa safety ko, but I knew that part of being an advocate of Financial LIteracy is to combat investment scams para wala na silang maloko pa. I’m just blessed to have the people who supported me during that tough season.
Kaya sa episode na to kasama natin ang isang fellow Yaman Coach who had experienced a tougher challenge than me when he exposed a certain Ponzi Scheme in the past.
He is:
- A practicing professional specializing in the areas of taxation, estate planning & corporate law
- Has been invited as a resource speaker in various insurance companies and TV programs
- A Registered Financial Planner, an ordained minister, a book author, and column contributor
What you’ll learn:
- Why you should know the due process of filing legal complaints against scammers
- What you should do if you want to file a Civil or Criminal case against the person who scammed you
- If recruiters are liable for inviting people to an investment scam
- How to get your money back
- How to prevent such of a hassle and stress
- How Financial Literacy Advocate can protect themselves from exposing investment scams
Connect with Atty. Terence:
FB: https://www.facebook.com/tcamua
Camua Law Office FB Page: https://www.facebook.com/camualaw/
Website: http://www.terencecamua.com/
Buy his book, Buwis It!: https://central.com.ph/bookstoreplus/products/AAC792/
Money Troubleshooters Book: https://moneytroubleshooters.com/about/
—
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
MY PODCAST SETUP:
Mic: https://amzn.to/3fo9B0R (UAE)
a
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Let’s all face it!
Retailers are smart. They know your weaknesses and how to capitalize on them.
So every time you go shopping — online or IRL — you're being taunted by infinite reasons to buy more, more, more.
Consumer experience these days is not simply designed; it's engineered.
Research determines the ads you see, the scents and sounds you encounter in stores, even the way a salesperson might casually touch your arm.
But how do we know that we’re buying from someone who has our best interest or if this retailer is doing its best to make you go beyond your budget?
Kaya sa episode na ‘to we’ll be joined by an Ms. Valerie Peramide-Fischer.
She is...
- A Neuro Linguistic Programming practitioner with over 20 years of experience in advertising and marketing
- A Co-founder of an e-commerce site for locally made products.
- Proponent of the Brain Science Selling framework which has helped over 3500 online entrepreneurs increase their revenue by as much as 40%!
What you’ll learn:
- The most common retail tricks that make you overspend
- How you spot retail and marketing tactics so you won’t fall for them
- 3 practical ways to prevent emotional/unconscious spending
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
SOCIAL MEDIA:
FB: (https://www.facebook.com/PurposeDrivenFinance)
IG: (https://www.instagram.com/purposedrivenfinance)
LinkedIn: (https://www.linkedin.com/in/jayadriantolentino)
YouTube: (https://www.youtube.com/c/HeyKuyaJay)
TikTok: (https://www.tiktok.com/@heykuyajay)
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: (hey@jayadriantolentino.com)
WHATSAPP: (https://wa.me/971521435522)
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Achieving balance in our life and our finances in this modern world seems like a myth!
Even I personally struggle from this dilemma!
How to live to the fullest today and prevent financial struggles in our Golden Years?
How do we build wealth without sacrificing our health?
Is sacrifice required to achieve balance?
So in this episode I have invited a man full of wisdom.
Andrew Hallam is back in our podcast!
And to those who don’t know him yet he is:
-
A former high school teacher who wrote the international bestselling books Millionaire Teacher and Millionaire Expat.
-
He’s the first person to have a #1 selling finance book on Amazon USA, Amazon Canada, and Amazon UAE.
-
Profiled by media such as CNBC and the Wall Street Journal, and has written columns for the Globe and Mail, Canadian Business, AssetBuilder.com, MoneySense, and Swissquote.
What you’ll learn:
-
What balance really means
-
How to achieve balance
-
How much money is enough to be happy
-
How to find a sense of purpose in a time that you’re financially struggling
-
The 4 quadrants to a happy life
-
Why sacrifice is not necessary to achieve balance
Connect with Andrew: www.andrewhallam.com
Buy his book "Balance: How to Invest and Spend for Happiness, Health, and Wealth": https://amzn.to/3EMDLVw
--
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu)
✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY)
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv)
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OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
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I always begin my day with appreciation. I give thanks for the things that I have and the things that I’m about to receive. Over the years, I’ve learned that gratitude makes us more aware of the sources of joy, wonder and hope in our lives. It helped me combat depression and stress by making me focus on the things that I have than what I lack. Being grateful can improve health, strengthen relationships and help us manage our money.… Kaya sa unang episode natin for this year, I’ll be sharing with you How Gratitude Can Improve Your Financial Life. What you’ll learn:
Why you need to practice Gratitude 2 practical ways to immediately practice gratitude Learn from my story on how Gratitude helped me during a financial trouble
👨👩👧👦Join Purpose Driven Finance Community: (https://discord.gg/ktYsKZXSEu) ✅Schedule a FREE 30-Minute Financial Health Check Session: (https://bit.ly/3vPlFiY) 💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): (https://bit.ly/3vQcsqv) SOCIAL MEDIA: FB: (https://www.facebook.com/PurposeDrivenFinance) IG: (https://www.instagram.com/purposedrivenfinance) LinkedIn: (https://www.linkedin.com/in/jayadriantolentino) YouTube: (https://www.youtube.com/c/HeyKuyaJay) TikTok: (https://www.tiktok.com/@heykuyajay) OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS: EMAIL: (hey@jayadriantolentino.com) WHATSAPP: (https://wa.me/971521435522) VIBER: (https://msng.link/o/?971521435522=vi)
It's the last episode of the year! So I want to leave you with some thoughts that you can ponder on so you can start your next year with your best foot forward!
In this episode I'll share with you the 4 best gifts you can give to yourself
Spot & Stop Scams Webinar
UPDATED DATE: DEC. 28, 7PM (PH)
What you'll learn:
-
The common types of scams these days
-
How to easily detect scams
-
How to stop a scam
-
How to cope after being scammed
This webinar is for:
-
Those who want to avoid scams
-
Those who don't want to be scammed again
-
Financial Advisors who want to help their clients prevent scams
-
Anyone who wants to be skilled in detecting scams
-
Anyone who wants to help others from being scammed
Donation link:
[https://bit.ly/30yWN3S]
[https://bit.ly/30yWN3S]
[https://bit.ly/30yWN3S]
Send your screenshot here:
[https://forms.gle/t19Qg1owFfzZWjKJ6]
[https://forms.gle/t19Qg1owFfzZWjKJ6]
[https://forms.gle/t19Qg1owFfzZWjKJ6]
Last day of registration is Dec 26!
👨👩👧👦Join Purpose Driven Finance Community: https://discord.gg/ktYsKZXSEu
✅FREE 30-Minute Financial Health Check Session: https://bit.ly/3vPlFiY
SOCIAL MEDIA:
FB: https://www.facebook.com/PurposeDrivenFinance
IG: https://www.instagram.com/purposedrivenfinance
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EMAIL: hey@jayadriantolentino.com
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Direk Guddy Hernandez started his career for 20+ years in ABS CBN as a dubber. Sya yung isa sa mga boses ng mga paboritong cartoon characters nating mga batang 90’s! Pero bago marating ang buhay na meron sya ngayon, lumaki muna sa hirap si Direk Guddy. He was born in Marinduque and at a young age, he already knew the value of hard work and how he can make money without having any capital. Kaya nung bata pa lang sya ay marami na syang mga raket at isa na dun ang pagbubunot ng sahig ng kanyang mga kapitbahay kung saan he was paid for only 25-50 cents per job! Nagpursige pa rin sa buhay si Direk Guddy until he became the News Program Director for ABS CBN. Pero kahit naging maganda na ang kinikita nya bilang direktor eh nalubog pa rin sya sa utang at kung anu-anu pang financial problems! In this interview he shared with me how he overcame his debts, how he made more money during the pandemic selling dried fish, and why poverty should never be a hindrance for a person to not succeed in life. What you’ll learn from this episode: - Diskarte sa buhay - The importance of having that burning desire - How to prioritize savings - How to be a long-term investor thru mutual funds - Why choosing the right partner is vital to your financial success
👨👩👧👦Join Purpose Driven Finance Community: https://discord.gg/ktYsKZXSEu ✅FREE 30-Minute Financial Health Check Session: https://bit.ly/3vPlFiY 💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): https://bit.ly/3vQcsqv
SOCIAL MEDIA: FB: https://www.facebook.com/PurposeDrivenFinance IG: https://www.instagram.com/purposedrivenfinance LinkedIn: https://www.linkedin.com/in/jayadriantolentino YouTube: https://www.youtube.com/c/HeyKuyaJay TikTok: https://www.tiktok.com/@heykuyajay
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS: EMAIL: hey@jayadriantolentino.com WHATSAPP: https://wa.me/971521435522 VIBER: https://msng.link/o/?971521435522=vi
Your Christmas Bonus is just around the corner!
Sana ol! Kasi for the last 6 years na I’ve been in the UAE eh hindi ko na alam anong feeling ng may 13th month pay!
Kaya part of our Special Christmas Season episodes, we’ll talk about how we can get the most of this windfall with the help of our special guest, Coach Joy Mendoza-Longcop!
She is…
A freelance for over 15 years, offering operations and accounting services to SMEs, and helping clients design comprehensive financial plans.
A fellow Yaman Coach, accredited by the Personal Finance Advisors' Association of the Philippines with a bachelor's degree from UP Diliman and Master's degree in De La Salle University, both in Mathematics.
A passionate advocate of financial literacy.
Been married for 14 years, a mom of 3 and a pre-pandemic homeschooler.
What you’ll learn from this episode:
-
Why many are not putting their 13th month pay to good use
-
The 4 F’s to help you maximize your 13th month pay
-
How to guard your 13th month pay from unconscious spending
-
Where to invest your 13th month salary/bonus
--
👨👩👧👦Join Purpose Driven Finance Community: https://discord.gg/ktYsKZXSEu
✅FREE 30-Minute Financial Health Check Session: https://bit.ly/3vPlFiY
SOCIAL MEDIA:
FB: https://www.facebook.com/PurposeDrivenFinance
IG: https://www.instagram.com/purposedrivenfinance
LinkedIn: https://www.linkedin.com/in/jayadriantolentino
YouTube: https://www.youtube.com/c/HeyKuyaJay
TikTok: https://www.tiktok.com/@heykuyajay
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: hey@jayadriantolentino.com
WHATSAPP: https://wa.me/971521435522
VIBER: https://msng.link/o/?971521435522=vi
Na-experience mo na ba na habang nag scroll ka ng social media feed mo eh may nag appear na ad bout an item na matagal mo nang gustong makuha or iregalo sa mahal mo.
After clicking the ad, napansin mo na ang mahal pala nung item na yun and hindi mo na ma-afford kasi sira na budget mo this month because of the holiday season!
But wait, there’s more!
Merong banner sa baba that says, Buy Now, Pay Later with 4 easy interest-free payments!
Napaisip ka bigla…. instead na 1000 dirhams, 250 na lang! siguro kaya ko na tong bilhin ngayon.
Wait lang! Wag kang kikilos ng masama!
Isipin mo muna..
Is it OK to buy the item now and pay for it later?
Are Buy Now Pay Later companies actually “helping” you get the things you want—right now.
Or do they actually “help” you go into debt for a lifestyle you can’t really afford.
Yan ang ating tatalakayin ngayon as we discuss this increasingly popular payment scheme called Buy Now, Pay Later AKA BNPL.
In this episode you’ll learn:
-
What Buy Now Pay Later is
-
What you can buy with BNPL
-
How BNPL works
-
How BNPL companies make money
-
Advantages of BNPL
-
Disadvantages of BNPL
Sources:
-
Filipino consumers' appetite for alternative lending increases:[bit.ly/3rbrXJw]
-
Top 20 BNPL nations ranked by e-commerce size and market share: [https://bit.ly/3HT9x66]
-
Philippines Buy Now Pay Later Market Report 2021: BNPL Payments to Grow by 66.6% in 2021 - Forecast to 2028: [bit.ly/3p5t36Q]
-
Buy Now, Pay Later – Boom or Bust?: [https://bit.ly/3FOnlwS]
-
Buy Now, Pay Later: The “New” Payments Trend Generating $100 Billion In Sales:[https://bit.ly/3riGOBU]
-
Credit Karma Article: [https://bit.ly/318C9aT]
-
BUY NOW, PAY LATER STATISTICS AND USER HABITS (C+R Research):[https://bit.ly/3p4JXT3]
👨👩👧👦Join Purpose Driven Finance Community: https://discord.gg/ktYsKZXSEu
✅FREE 30-Minute Financial Health Check Session: https://bit.ly/3vPlFiY
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): https://bit.ly/3vQcsqv
🏡Investing in Real Estate? Schedule a Pre-Investment Assessment first!: https://bit.ly/3BluRgj
SOCIAL MEDIA:
FB: https://www.facebook.com/PurposeDrivenFinance
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TikTok: https://www.tiktok.com/@heykuyajay
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: hey@jayadriantolentino.com
WHATSAPP: https://wa.me/971521435522
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Onting tulog na lang pasko na! At bago mo pa maubos ang ipon or ma-mismanage ang 13th month pay mo, pakinggan mo muna ang mga succeeding episodes natin that will be focused on Christmas spending.
Now that there’s still a pandemic and many are financially affected, how can we still celebrate this Christmas season without going broke? Kaya in this episode, I have invited Ms. Mariel Bitanga who’s known to simplify complex financial topics, dahil:
-
She’s been in the Financial Planning & Insurance Industry for the last 6 years
-
A Registered Financial Planner
-
Founder of Simply Finance, a boutique financial planning firm that empowers Filipinos by creating simple but actionable solutions to their unique goals and aspirations
You'll like this episode if:
-
You'd like to learn how to simplify your Christmas budget
-
You want to save money this Christmas season
-
You want to know how to buy the right gift without going broke Connect with Mariel
-
FB: www.facebook.com/simplyfinanceph/
-
IG: www.instagram.com/simplyfinanceph
-
Website: www.simplyfinanceph.com/
--
👨👩👧👦Join Purpose Driven Finance Community: https://discord.gg/ktYsKZXSEu
✅FREE 30-Minute Financial Health Check Session: https://bit.ly/3vPlFiY
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): https://bit.ly/3vQcsqv
🏡Investing in Real Estate? Schedule a Pre-Investment Assessment first!: https://bit.ly/3BluRgj
SOCIAL MEDIA:
FB: https://www.facebook.com/PurposeDrivenFinance
IG: https://www.instagram.com/purposedrivenfinance LinkedIn: https://www.linkedin.com/in/jayadriantolentino
YouTube: https://www.youtube.com/c/HeyKuyaJay
TikTok: https://www.tiktok.com/@heykuyajay
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: hey@jayadriantolentino.com
WHATSAPP: https://wa.me/971521435522
VIBER: https://msng.link/o/?971521435522=vi
Dr. Iris Radev is one of the very few Filipino medical doctors who made it big in Canada.
But just like other Overseas Filipinos, nagkaroon din sya ng mga moments when her income was never enough for her extravagant lifestyle.
While most people think that being a highly-paid professional is the ultimate definition of success, Dr. Iris never settled.
Now, still working as a medical doctor full time, she also helps many people find meaning and profound sense of well-being through her Low Carb Con International and new startup, The Conversion Engine.
This episode will inspire you to:
-
Keep going & not settle
-
Attain balance in your life
-
Understand the true measurement of success
Connect with Dr. Iris Radev:
Facebook - [https://www.facebook.com/levelupwithdriris]
Website - [https://levelupwithdriris.com]
Buy your tickets to Success Con 2021 happening this Nov. 20 & 21!
[https://thesuccesscon.com/]
—
👨👩👧👦Join Purpose Driven Finance Community: https://discord.gg/ktYsKZXSEu
✅FREE 30-Minute Financial Health Check Session: https://bit.ly/3vPlFiY
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): https://bit.ly/3vQcsqv
🏡Investing in Real Estate? Schedule a Pre-Investment Assessment first!: https://bit.ly/3BluRgj
SOCIAL MEDIA:
FB: https://www.facebook.com/PurposeDrivenFinance
IG: https://www.instagram.com/purposedrivenfinance
LinkedIn: https://www.linkedin.com/in/jayadriantolentino
YouTube: https://www.youtube.com/c/HeyKuyaJay
TikTok: https://www.tiktok.com/@heykuyajay
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: hey@jayadriantolentino.com
WHATSAPP: https://wa.me/971521435522
VIBER: https://msng.link/o/?971521435522=vi
Earlier this year, a digital artwork was sold for 69M USD!
A .gif of a flying cat sold for lots and lots of money!
Popular memes being purchased from left and right!
Just today, I saw a Lebron James dunk being auctioned for 500k USD!
Indeed, nonfungible tokens also known as NFT’s have become a sensation this 2021!
With sales volumes that surged to $10.7 billion in the third quarter of this year, there’s really no question that NFT’s can be the next biggest thing!
So… are NFTs much bigger than art and other digital collectibles?
Is it the New Frontier?
Or is it all just hype?!
To discuss more about this NFT craze I have invited Arlan Vicencio:
-
Wrote articles about Cryptos in PhilCPA.org since 2019
-
Tamadroid Global Brand Ambassador
-
ASEAN Chartered Professional Accountant based in the UK
-
Financial Literacy Advocate
Disclaimer: The information in this episode is not financial advice and is for educational purposes only. All information is of my and my guest’s personal opinion. Any decision with cryptocurrencies means you need to DYOR (Do Your Own Research).
—
Arlan’s FB: [https://www.facebook.com/countinggs/]
TamaDroin FB Group: [https://www.facebook.com/groups/164338589136098]
—
👨👩👧👦Join Purpose Driven Finance Community: www.jayadriantolentino.com/community
✅FREE 30-Minute Financial Health Check Session: https://bit.ly/3vPlFiY
💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): https://bit.ly/3vQcsqv
🏡Investing in Real Estate? Schedule a Pre-Investment Assessment first!: https://bit.ly/3BluRgj
SOCIAL MEDIA:
FB: https://www.facebook.com/PurposeDrivenFinance
IG: https://www.instagram.com/purposedrivenfinance
LinkedIn: https://www.linkedin.com/in/jayadriantolentino
YouTube: https://www.youtube.com/c/HeyKuyaJay
TikTok: https://www.tiktok.com/@heykuyajay
OTHER INQUIRIES/FEEDBACK/COMMENTS/SUGGESTIONS:
EMAIL: hey@jayadriantolentino.com
WHATSAPP: https://wa.me/971521435522
VIBER: https://msng.link/o/?971521435522=vi
May nag ask na gumawa ako ng list of money lessons sa pinaka sikat na Netflix series ngayon, Squid Game. Currently meron ng 111 million fans since its premiere on September 17! It is a series that revolves around a contest where 456 players in deep financial debt put their lives at risk to play a series of children's games for the chance to win a ₩45.6 billion prize or 1.9B PHP! I personally believe that Squid Game is the kind of series everyone should watch to remind them to not take their finances for granted. Kung wa-epek ang mga motivational movies then I think eto ang pinaka aalog sa mga taong kailangang ayusin ang kanilang way of managing their finances. That being said, I have listed a couple of life and money lessons from the most popular series in Netflix today! SPOILERS AHEAD!
👨👩👧👦Join Purpose Driven Finance Community: https://discord.gg/bU6TcwxXnv ✅FREE 30-Minute Financial Health Check Session: https://bit.ly/3vPlFiY 💸Invest in Low-Cost, Globally-Diversified Funds thru StashAway (Middle East Only): https://bit.ly/3vQcsqv 🏡Investing in Real Estate? Schedule a Pre-Investment Assessment first!: https://bit.ly/3BluRgj SOCIAL MEDIA: FB: https://www.facebook.com/PurposeDrivenFinance IG: https://www.instagram.com/purposedrivenfinance LinkedIn: https://www.linkedin.com/in/jayadriantolentino YouTube: https://www.youtube.com/c/HeyKuyaJay TikTok: https://www.tiktok.com/@heykuyajay EMAIL: hey@jayadriantolentino.com WHATSAPP: https://wa.me/971521435522 VIBER: https://msng.link/o/?971521435522=vi
Mae Mendoza was an Overseas Filipino in Dubai for 12 years!
She’s been married for the last decade and is now the mom of Noah, her 2-year-old boy.
Straight out of college, she immediately went to the UAE and worked as a Cabin Crew in the Emirates, the most prestigious airline in the world.
Like many Overseas Filipinos, she got buried in debt at a very young age but after she got herself out of it, she dedicated her time learning more about personal finance.
To help fellow Kababayans avoid the same fate, she Co-Founded Investhusiasts Social Club, a nonprofit organization that conducted unbiased financial seminars for Filipinos in the UAE.
Her entrepreneurial journey began when she Co-Founded Crewssentials, a Flight Attendant Planner, and HealthyBucket, an online wellness store in the Philippines.
In addition to getting out of debt, she mentioned TONS of Wisdom Bombs that many Overseas Filipinos should learn from!
You'll like this episode if:
- You want to know how to get out of debt
- You want to know how to choose the right business partner
- You are an Overseas Filipino who wants to avoid the painful financial mistakes of many Overseas Filipinos
Get in touch with Mae:
- Facebook: www.facebook.com/maemae.mendoza
- Instagram: https://www.instagram.com/mae.mendoza/
- Youtube: https://www.youtube.com/c/MaexMae
Teaching kids about financial literacy is an important life skill that isn’t consistently taught in schools.
That’s why if you don’t teach your kids how to manage money, somebody else will. And that’s not a risk you want to take!
Money lessons for kids are important at all ages and stages.
That’s why in this episode, I have invited Marilyn Lydia Pinto who will show you how to give your kids the head start you wish you had and set them up to win with money at any age.
Because she is:
-
The Founder of Kids Finance Initiative - where they give youngsters the understanding and the confidence to make intelligent financial decisions
-
Over the last 4 years her initiative has taught more than 3500 kids how to be smarter about money
-
She isn’t just an expert on the topic of financial education for kids, she is also an expert in teaching this to kids in a way that’s most effective and in a way they love to learn.
-
She has partnered with some of the biggest and most respected institutions in the region and have been regularly featured in the national press.
You'll like this episode if:
-
You want to learn how to teach kids about proper money management
-
You want to know the right way to give allowances
-
You are a parent who don't know how to manage money
Get in touch with Marilyn:
-
KFI Global: https://kfi.global/
-
Linkedin: https://www.linkedin.com/in/marilyn-lydia-pinto/
-
IG: https://www.instagram.com/kfiglobaltribe/
-
FB: https://www.facebook.com/kfiglobaltribe/
Na-no-nose bleed ka bang pag-usapan ang topic ng Economics?
Ako, oo. It’s one of the subjects I almost failed in college!
But as I grew older and delved deeper in the field of personal finance, I realized that Economics is more than just numbers.
Understanding the how economists think can help us make smarter decisions in our professional and personal life.
This is why I've invited an Economist - Mr. Gemmy Lontoc
-
Economics Professor at the Ateneo Graduate School of Business
-
Master of Science in Finance at University of the Philippines
-
Master in Business Administration & Master of Arts, major in Economics at Ateneo De Manila University
-
A Registered Financial Planner, A columnist
-
Former Overseas Filipino who lead the Philippines and Southeast Asia business of UAE Exchange Centre LLC, a leading global financial services company in the UAE.
You'll like this episode if:
-
You want to know how to think like an economist
-
You want to know the impact of the stock market to a country's economy
-
You want to know how to maximize your time and resources
Connect with Coach Gemmy: https://www.linkedin.com/in/gemmy-lontoc-rfp%C2%AE-75778628/
Scampanies are everywhere!
Kung first time mong narinig yang term na yan, these are companies that scam people.
At habang tumatagal, mas nagiging creative ang mga scam artists to make sure that they get a piece of your hard-earned money!
Pero sa sobrang dami at galing ng mga scammers ngayon, may way pa ba para maiwasan at mapigilan ang kanilang mga modus?
Kaya I invited Ms. Elaine Linga for this timely topic. Because she is…
-
A California-based YouTube sensation who caught the attention of many Filipinos because of her courageous and insightful reviews of scampanies and different Multi Level Marketing AKA Networking companies in the Philippines
-
Featured by TripZilla as one of the 6 YT Channels on Personal Finance that is run by Pinays
-
In 2018, she and her teammate won first Place at Homeland Security’s Crisis Management Case Challenge
-
Currently works for Los Angeles County’s Workforce Development, Aging and Community Services
-
An index investor and the passionate Host of Invested Lifestyle
You'll like this episode if you:
-
Want to want to avoid being scammed
-
Want to know the steps to stop a scam
-
Want to know how you can cope after being scammed
Get in touch with Ms. Elaine:
-
Invested Lifestyle (Youtube): https://www.youtube.com/channel/UC6wa9kd04Dbf2YjihFktrpA
-
Invested Lifesyle (IG): https://www.instagram.com/invested_lifestyle/
-
Simply Driven Life (FB): https://www.facebook.com/simplydrivenlife
Join the Anti Scammers League FB Community: https://www.facebook.com/groups/785868202100677
In this episode of Hey Kuya Jay, naka-receive tayo ng isang inquiry via whatsapp: “Kuya Jay, hingi sana ako ng advise. Plan kasi nmin ikuha ng life insurance ang aking mga anak 1y/o and 4 y/o. Ano bang best na insurance kunin?”
In most cases, it's not recommended to buy life insurance for children. Kasi ang main purpose ng Life Insurance is to cover the loss of income if the bread winner dies.
Pero ano ba ang pros and cons of having a life insurance for your young child?
Let’s talk about it in this episode!
You'll like this episode if:
-
You're not sure if you need to get a Life Insurance policy for your child
-
You want to know if you can use Life Insurance to plan for your child's education as well
Resource Mentioned:
- Mortality rate, infant (per 1,000 live births) vs. world: [https://data.worldbank.org/indicator/SP.DYN.IMRT.IN?locations=PH]
Bro Ion has been a Blogger and Overseas Filipino in the UAE for the past 15 years.
He became famous for his Boy Dubai blog, but little do most people know is that he probably is whom I consider as the “unluckiest” Overseas Filipino I know when it comes to finding the right employer in his first 3 years as an OF.
He experienced being locked in a room by his very first employer!
Also, experienced delayed salaries for up to 3 months, until he went to the Ministry of Labor twice and won an off-court settlement with his non-paying employers.
Not only that, he also did 10 exasperating visa change exits before eventually finding better employment.
But what I like about him is his perspective on how he views his struggles in life.
Now working as a digital transformation consultant at Accenture Middle East, he definitely has gone a long way by God's grace and of how he puts meaning not just in his circumstances, but also in his finances.
Listen and be inspired by his story.
Connect with Ion: [https://www.facebook.com/iamboydubai]
Visit his website: [https://boydubai.com/]
Visit BXDNOW: [https://www.bxdnow.com/]
Improving our finances is a life-long process.
It includes making progress in every step of the way.
But how do we progress if we feel like we’re just going around in circles?
What if we’re progressing but it feels like it’s taking forever to reach our financial goals?
Ano nga ba ang dapat nating gawin Kuya Jay?
Wag kayong mag-alala dahil we have invited another celebrity sa mundo ng Personal Finance who will show you How To Keep Progressing In Your Finances dahil Coach Prexel Parnacio is:
-
A fellow YAMAN Coach of Personal Finance Advisers
-
A Registered Financial Planner
-
Founder of Millionaire in Progress, a platform where she shares various personal finance and personal dev topics.
-
Outside the finance world, she is also a risk analyst in a multinational company and a beginner plantita.
You’ll like this episode if:
-
You feel stuck in your personal growth and finances
-
You want to reach your financial goals faster
-
You want to keep your momentum and stay motivated
-
You want to know what to do during a plateau
-
You want to know the next step after you made progress and you have finally reached your goal
Watch on YT: https://youtu.be/0sma-TtWp6Y
What do you feel when you hear the word retirement?
Kaba, takot o excitement ba?
Paano ba natin malalaman kung handa na ba tayong magretiro?
Sa panahon na people are living longer at mas mabilis ang pagtaas ng gastusin kesa sa sweldo, may pag-asa pa ba ang bawat Filipino na makamit ang kanilang dream retirement?
These are just some of the questions I have for our special guest!
Randell Tiongson is:
-
An advocate of Life & Personal Finance
-
With nearly 30 years of experience in the Financial Service Industry
-
The Director of the Registered Financial Planner Institute Philippines
-
An author, a columnist, a speaker
-
A strong advocate of financial education for Overseas Filipinos
You’ll like this episode if:
-
You want to know the true meaning of Retirement
-
Want to retire young and rich!
-
A fan of the FIRE Movement (Financial Independence Retire Early)
-
You want to know the secret to a happy retirement
Resources Mentioned:
-
My Website: www.jayadriantolentino.com
-
Randell’s books: message Bro Pablo Santos Jr.: [https://www.facebook.com/pablo.santos.756]
-
2015 Retirement Survey: [https://www.rappler.com/business/filipinos-retirement-prulife-study]
In this episode I'll answer the question of an Overseas Filipino who already has 2 pre-selling properties that she bought this year but still wants to have a 3rd one.
I have also discussed a potential scampany based in Abu Dhabi that GUARANTEES 20% compounding investment returns per month.
You’ll like this episode if:
-
You are interested to buy a property
-
You want to be more aware of scams
BEWARE:
-
AMP Investment Council
-
Unex pinoy traders/UNEX Financial Consultant DUBAI/UNEX Union Fx Financial Consultant L.L.C
PS:
- I forgot to mention that upon bank financing and your salary may not be enough to be approved by the bank, you can provide another source of income, a collateral or a co-borrower.
Umiwas sa scampanies at magtayo ng sarili mong company instead! Join the Philippine Business Council Dubai & Northern Emirates: [http://pbc-dne.com/]
*This episode was not sponsored or paid for by PBC. This is just my way of supporting a community that values integrity and camaraderie of fellow Filipino business owners in the UAE.
Vener has endured several financial setbacks in his life, including indebtedness, overspending and several failed businesses just to name a few.
However, sometimes when things are falling apart, they may actually be falling into place.
Listen to how he started his life as an Overseas Filipino in the UAE. After working at one of the biggest retail conglomerates in the UAE for 14 years as a Senior Design Manager, he founded Convertness.com (former AEDBuilder.ae) -- a web design and sales funnel development platform which he started in September 2020.
Resources Mentioned:
Convertness.com (former AEDBuilder) - www.convertness.com
Vener’s LinkedIn Profile: [https://www.linkedin.com/in/venersarmiento/]
Mastering money means mastering our behavior.
Kahit negative ang ating budget, dapat pasitib pa rin tayo sa buhay.
Wag lang sa COVID.
There are tons of studies claiming that optimism is good for a person’s financial health.
The positive perspective is associated with healthier financial habits, and therefore, better financial results.
Pero..
How do we really define Optimism?
Is it a result of being financially sound or is it the other way around?
Mas pasitib ba sa buhay ang mga taong may pera?
And how do we remain optimistic in times of crisis?
These are just some of the questions I have regarding Optimism
Kaya sa episode na to, nagbabalik ang aking only go-to person sa subject ng human psychology and emotional intelligence na si Dr. Rommel Pilapil Sergio who is a:
- Professor at Abu Dhabi School of Management
- Ph.D. in Psychology (De La Salle University-Dasmariñas, Philippines)
- Ph.D. in Human Resource Management (University of Liverpool, UK)
- Dakilang Bayani Awardee
- Community Leader & Certified Organizational & EducationalPsychologist
- Co-founder of Psychological Society of the Philippines – UAE
- Co-founder of Southville RAK, the first Filipino Higher Education Institution in the U.A.E.
—
You will like this episode if you:
-
Want to be an Optimist
-
Want to know the REAL meaning of Optimism
-
Want to improve your finances
-
Want to learn how about “Tragic Optimism” or how you can keep a positive outlook in times of crisis
Resources Mentioned:
-
Man’s Search for Meaning Book By Viktor Frankl: https://amzn.to/3jWpD3D
-
Grit Book by Angela Duckworth: https://amzn.to/3ma0wxj
-
“How Optimism Connects to Financial Health” Frost Research: [https://bit.ly/37HQkn3]
-
Martin Seligman: https://ppc.sas.upenn.edu/people/martin-ep-seligman
-
Simon Sinek: https://simonsinek.com/
Get in touch with Doc Rommel: www.rommelsergio.com
Watch on YT: https://youtu.be/VCXcnRhipIg
On the surface, marriage might seem to be all about love and companionship. On a deeper level, it’s much more than an emotional commitment—it’s also a financial one.
In the US, marriage statistics show that lack of compatibility in the financial arena causes almost 41% of divorce.
If a couple is not on the same page about how the finances are going to be handled, it can lead to terrible problems.
So in this special episode I brought in a married couple na I really admire.
Jeric is a Laguna native who started his Overseas Filipino life in Dubai in 2011. He also serves as the Feast Builder of Feast St. Mary's Dubai, a prayer gathering of the Catholic Lay community, Light of Jesus Family and the caring husband to Apple.
Apple is an Ilongga by blood, raised in Dubai since 1989, and in the Catholic Lay community life with her family through Couples For Christ since the early 90s and the loving wife of Jeric.
Together they are the loving parents of Joseph & Zelie and the host of Langga Speaks Podcast!
You’ll like this episode if you:
-
Are in a serious relationship and plan to get married
-
Are married and you want to strengthen your bond as a married couple
-
And your spouse are not comfortable talking about money
-
And your spouse want to have a great relationship with your in-laws
-
Earn lesser (or greater) than your spouse
-
Plan to have (or don’t have) children in the future
Resources Mentioned:
-
Save Your Marriage Before It Starts (SYMBIS): [https://www.langgaspeaks.com/p/symbis/]
-
Langga Speaks Podcast Website: www.LanggaSpeaks.com
Axie Infinity is a cryptocurrency game that’s recently gaining popularity, thanks to its “play to earn” model.
In the Philippines, people don’t just play to earn, they play to make a living!
Pero gaano katotoo ang hype around Axie Infinity?
May pera ba talaga dito?
Is it a scam?
How long will this last?
Ang dami kong mga katanungan na kailangan ng kasagutan!
Our next guest is Mr. Alfredo "Janjan" Regala, a third generation Overseas Filipino, working as a Software Engineer in Singapore.
His passion are learning new trends, self development and running.
He is also the co-founder of OFE (Overseas Filipino Entrepreneurs) that advocates financial literacy and converting OF to Entrepreneurs.
He is the founder of Sparta School of Games that gives income opportunity to others through NFT Games such as Axie Infinity but also promotes camaraderie and personal growth through the community.
Disclaimer: The information in this episode is not financial advice and is for educational purposes only. All information is of my and my guest’s personal opinion. Any decision with crypto means you need to DYOR (Do Your Own Research).
--
You’ll like this episode if you:
-
Want to understand know the different ways to earn in Axie Infinity
-
Want to build the right team
-
Want to know Axie Infinity's sustainability
-
Want to know how Janjan grew his 60+ Axie teams
Resources Mentioned:
Sparta School of Games (SSoG) FB Page: www.facebook.com/spartaschoolofgames
Watch on YT: https://youtu.be/Tie21k7LIUM
Mainit na topic ngayon ang Axie Infinity, a Play To Earn NFT game na kinababaliwan ng mga Pinoy at OF's!
Dahil sa chance na kumita ng pera, maraming napapaisip kung mas mabuti bang iwan na lang ang kanilang trabaho at maging full time Axie player or manager?
Tapos, for our Scampany of the Month, pag-uusapan natin ang Masa Forex General Trading - UAE na nag nangangako ng malaking returns sa kanilang XUM crypto coin at nag rrecruit ng mga OF dito sa Middle East upang makapangloko pa ng maraming investors.
Resources Mentioned:
Anti-Scam League (ASL) FB Group: https://www.facebook.com/groups/785868202100677
Pera & Purpose Community: https://www.facebook.com/groups/peraandpurposecommunity
SEC Advisories:
https://www.sec.gov.ph/advisories-2021/xum-token-xumcoin-umcusdtbot-now-xum-usdt-bot-xum-chain-xumex-world-crypto-asset-exchanger-xum-exchanger-and-xum-exchange-ltd/
https://www.sec.gov.ph/pr-2021/sec-warns-public-against-investing-in-masa-mart/
Watch this on YouTube: https://youtube.com/heykuyajay
insPERAsyon is a new segment that showcases inspiring pera stories of purposeful Overseas Filipinos.
In our first episode, I have invited Ms. Dianne Fernandez - an OF based in Dubai, former dragon boat paddler, a real estate investor and a stock market trader.
For over a decade, Dianne helped organize events and training sessions to support her passion for continuing education. Together with friends, she launched a Social Enterprise, Investhusiasts, in the UAE with a mission to change the narrative of Filipino ex-pat investments. The mission resulted in over 50 events and hundreds of expats reached.
Stock Market trading has always been a skill Dianne was built to pursue.
This is why she enrolled in Pound for Pound (P4P) Price Action Trading Masterclass of Trader Development in April 2020, where achieved the coveted P4P Blackbelt, and embarked on a new role, as a Trading Coach.
Dianne's FB: www.facebook.com/dianne.fernandez.180
If you want to upgrade your life, you need to upgrade your way of thinking, and one of the best ways to do that is by reading.
When I added reading as part of my daily activities 4 years ago, my life changed for the better!
And as I was preparing for this episode, I encountered 2 different studies.
In 2017, National Book Development Board (NBDB) mentioned that 43% of Filipino adults read to gain new knowledge.
However in 2018, the Philippines had the lowest reading comprehension among 79 countries based on a global survey done by the Programme for International Student Assessment (PISA). The most popular genres for adult respondents are: the Bible, romance novels, short stories, picture books for children, and almanacs or encyclopedias.
It seems like as a general population, we don't seem to be very interested in reading about personal finance and probably that’s one of the reasons why only 25% of us are financially literate.
Kaya sa episode na to, our special guest will help us get ready to read!
Glessy Abrantes is the Founder of Aklatan Online Bookshop - an online store of hard-to-find books about personal development & personal finance, with 22k raving fans on facebook. She’s also an Overseas Filipino who’s based in Abu Dhabi, UAE
You’ll like this episode if you
-
Are in the journey towards personal growth
-
Want to start the habit of reading
-
Want to be an effective reader
-
Want to know the books that you can start with
Resources Mentioned:
-
Aklatan Online Bookshop: [https://www.facebook.com/AklatanOnline]
-
National Book Development Board (NBDB) 2017 Survey: [https://booksphilippines.gov.ph/readership-survey-reading-behavior-and-patterns-of-purchase/]
-
Programme for International Student Assessment (PISA) 2018 Study: [https://www.philstar.com/headlines/2019/12/03/1974002/philippines-lowest-reading-comprehension-among-79-countries]
-
Financial Literacy Rank of PH: [https://www.researchgate.net/publication/346611442\_Financial\_Literacy\_in\_Asia\_A\_Scoping\_Review]
Watch the video interview: https://youtu.be/AshszqJHAuU
Ang daming mga Pilipino ang lubog sa utang. Karamihan sa kanila attached na kay Badet!
Sino si Badet? Sya yung Bad Debts mo na hindi mo maiwan!
In this episode I invited Coach Efren Llamas Cruz. He's a Registered Financial Planner, my mentor and the Chairman of Personal Finance Advisers. Coach Efren is also one of the pioneers when it comes to the topic of Personal Finance in the Philippines!
Listen to this ahead of time by following Pera & Purpose Podcast on Spotify: https://spoti.fi/3xUQcM2
You’ll like this episode if…
-
You want to get out in debt
-
You don’t want to be in debt
-
You want to use debt as a tool for your business
-
You want to know how to differentiate good debts from bad debts Resources Mentioned:
-
FRIA - [https://www.officialgazette.gov.ph/2010/07/18/republic-act-no-10142/]
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PFA Enrich GOOD Program - [http://personalfinance.ph/good.html]
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Ask a Friend, Ask Efren - Email: [ask@personalfinance.ph]
Bakit nga ba maraming OF's ang naghihirap?
Listen to this interview together our OFE brothers from Singapore!
Please like and follow Overseas Filipino Entrepreneurs: www.facebook.com/ofentrepreneurs
Can you really retire early even with a small income?
Andrew started his career as an English Teacher. After paying his student debts, he aggressively began investing in the market.
During his mid-30’s, he became a millionaire on a teacher’s salary.
And by age 40, he was more-than-comfortably financially independent.
He is a Personal Finance Journalist, a Speaker, and the Author of international best-selling books Millionaire Teacher & the book that made me leave the Financial Services industry, Millionaire Expat AKA “The Book That Your Financial Adviser Don’t Want You To Get a Hold Of”
He’s been featured on CNBC, The Wall Street Journal, Business Insider, and has written columns for The Globe and Mail, Canadian Business, MoneySense, Internaxx and AssetBuilder.
Since 2016 he has spoken at businesses and international schools in over 30 different countries.
He’s also the first person to have a #1 selling finance book on Amazon USA, Amazon Canada and Amazon UAE.
--
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.
🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to Pera & Purpose Podcast: [https://kite.link/Pera&PurposePodcast]
Check his FB Page: [https://www.facebook.com/PurposeDrivenFinance]
In this Ask Aya Anything episode we discussed random personal finance questions like:
-
Is gold really a hedge for inflation?
-
How do we pay for medical debts?
-
Investment ba ang insurance?
-
When calculating for insurance cover, should you factor in inflation?
-
How does our behavior affect our finances?
-
Is day trading good?
-
The difference between an Index Fund and actively-managed funds
-
And many more!
--
Gain fresh insight on how to improve your finances!
This series of two webinars & three weeks of classes is guaranteed to help every Overseas Filipino save & invest CONSISTENTLY, manage debt, avoid scams, and build long-term wealth!
What’s cool is that this will be facilitated by Aya Laraya himself!
In case you didn't know, Aya is the founder of Pesos & Sense, an educational company that covers a wide range of personal finance and investment topics that typically intimidates the average Filipino. It started as a weekly Saturday morning show on GMA that tackled personal finance and investments, simplifying it to a more approachable and doable manner.
What you’ll learn:
-
Webinar 1
-
Our cultural beliefs that inhibit financial literacy.
-
Understanding our own cognitive biases that sabotage our finances.
-
Webinar 2
-
Were you able to improve your finances during the the course?
-
How do you sustain the momentum moving forward and prevent relapses.
-
Week 1
-
Behavioral Finance for OFWs.
-
Cognitive Biases
-
Choice Architecture
-
Week 2
-
Time Value of Money
-
Time Versus Money
-
Week 3
-
Product Evaluation and Selection
-
Portfolio Monitoring
-
Leveraging FinTech
BONUS!
-
Get 2-month access on Webinars & Courses via Ronin Dojo (worth 350 AED)
-
2 hours extra Q&A session with Aya Laraya (worth 1,000 AED)
What are you waiting for?
Enroll now!
Early birds will pay only 85 AED until May 28! EXTENDED UNTIL JUNE 3!
Regular price is 150 AED!
Having a strong foundation is the key to your financial success!
As what our speaker always say, “Aral muna bago invest!”
So pano? Kita-kits by signing up here:
[https://www.theronindojo.com/?ref=e0c6b9]
In our 2nd installment of Dirhams & Sense Series, Aya & I will talk about some of the topics in personal finance that are probably outdated or irrelevant nowadays.
--
Gain fresh insight on how to improve your finances!
This series of two webinars & three weeks of classes is guaranteed to help every Overseas Filipino save & invest CONSISTENTLY, manage debt, avoid scams, and build long-term wealth!
What’s cool is that this will be facilitated by Aya Laraya himself!
In case you didn't know, Aya is the founder of Pesos & Sense, an educational company that covers a wide range of personal finance and investment topics that typically intimidates the average Filipino. It started as a weekly Saturday morning show on GMA that tackled personal finance and investments, simplifying it to a more approachable and doable manner.
What you’ll learn:
-
Webinar 1
-
Our cultural beliefs that inhibit financial literacy.
-
Understanding our own cognitive biases that sabotage our finances.
-
Webinar 2
-
Were you able to improve your finances during the the course?
-
How do you sustain the momentum moving forward and prevent relapses.
-
Week 1
-
Behavioral Finance for OFWs.
-
Cognitive Biases
-
Choice Architecture
-
Week 2
-
Time Value of Money
-
Time Versus Money
-
Week 3
-
Product Evaluation and Selection
-
Portfolio Monitoring
-
Leveraging FinTech
BONUS!
-
Get 2-month access on Webinars & Courses via Ronin Dojo (worth 350 AED)
-
2 hours extra Q&A session with Aya Laraya (worth 1,000 AED)
What are you waiting for?
Enroll now!
Early birds will pay only 85 AED until May 28! EXTENDED UNTIL JUNE 3!
Regular price is 150 AED!
Having a strong foundation is the key to your financial success!
As what our speaker always say, “Aral muna bago invest!”
So pano? Kita-kits by signing up here:
[https://www.theronindojo.com/?ref=e0c6b9]
Sino ba ang ayaw umasenso?
Pero the bigger question is: paano nga ba tayo aasenso?
Wanting is different from doing. Kaya sa unang episode ng Dirhams and Sense Series pag uusapan natin kung ano ba ang tamang steps para maging isang Asensadong Pinoy!
--
Gain fresh insight on how to improve your finances!
This series of two webinars & three weeks of classes is guaranteed to help every Overseas Filipino save & invest CONSISTENTLY, manage debt, avoid scams, and build long-term wealth!
What’s cool is that this will be facilitated by Aya Laraya himself!
In case you didn't know, Aya is the founder of Pesos & Sense, an educational company that covers a wide range of personal finance and investment topics that typically intimidates the average Filipino. It started as a weekly Saturday morning show on GMA that tackled personal finance and investments, simplifying it to a more approachable and doable manner.
What you’ll learn:
-
Webinar 1
-
Our cultural beliefs that inhibit financial literacy.
-
Understanding our own cognitive biases that sabotage our finances.
-
Webinar 2
-
Were you able to improve your finances during the the course?
-
How do you sustain the momentum moving forward and prevent relapses.
-
Week 1
-
Behavioral Finance for OFWs.
-
Cognitive Biases
-
Choice Architecture
-
Week 2
-
Time Value of Money
-
Time Versus Money
-
Week 3
-
Product Evaluation and Selection
-
Portfolio Monitoring
-
Leveraging FinTech
BONUS!
-
Get 2-month access on Webinars & Courses via Ronin Dojo (worth 350 AED)
-
2 hours extra Q&A session with Aya Laraya (worth 1,000 AED)
What are you waiting for?
Enroll now!
Early birds will pay only 85 AED until May 28!
Regular price is 150 AED!
Having a strong foundation is the key to your financial success!
As what our speaker always say, “Aral muna bago invest!”
So pano? Kita-kits by signing up here: [https://www.theronindojo.com/?ref=e0c6b9]
Will you trust a robot or an AI to handle your finances?
Why not?
For the past couple of months, I have been investing in a robo advisor because of its simplicity, ease of use and most importantly - low management fees!
With their growing popularity, a question begs to be answered: are robo advisors better than the traditional human financial advisors that we are so used to?
To help me find the answer, I have invited Michele Ferrario, the CEO & Co-Founder of StashAway.
In January of this year, Stashaway became the first digital wealth manager in Southeast Asia to manage more than $1 billion, and early this week, they have raised US$25mil in Series D funding led by Sequoia Capital India.
This goes to show how promising the company is and the entire Robo-Advisory industry in general.
Prior to SA Michele was the former CEO of Zalora Group and the co-founder of Rocket Internet in Italy and Pakistan. He worked as Investment Manager at Synergo and as Engagement Manager at McKinsey. He earned his MBA at Columbia Business School and his Bachelor of Science in Finance at Bocconi University in Italy.
--
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.
🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to Pera & Purpose Podcast: [https://kite.link/Pera&PurposePodcast]
Check his FB Page: [https://www.facebook.com/PurposeDrivenFinance]
Bitcoin is a hot topic right now!
Sa sobrang init, ang daming nasusunog at nai-scam!
Pero open-minded naman tayo kaya I invited someone who first bought Bitcoin at $100 and profited 4x from it!
Bro Fitz Villafuerte (host of the 80% Podcast, owner of Ready To Be Rich blog site, and an entrepreneur) is back in Finance Fridays!
He will share his journey in bitcoin trading, blockchain tech, other cryptocurrencies and how to avoid crypto scams!
Should you really consider putting your money in bitcoin or other cryptocurrencies?
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.
🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to Pera & Purpose Podcast: [https://kite.link/Pera&PurposePodcast]
Check his FB Page: [https://www.facebook.com/PurposeDrivenFinance]
Let me tell you something.
Financial Literacy is not enough to improve our finances.
Yes, you heard (or read) it right!
Alam mo ba na there is no empirical evidence that financial education improves our financial behavior. In fact, studies show that the effect is a miniscule 0.1%!
Kaya in this episode, we’ll be joined by Ms. Rose Fres Fausto AKA FQ Mom.
She was an investment banker turned full-time homemaker and now a writer and speaker on money and family using Behavioral Economics principles. She graduated with honors with a degree in A.B. Economics from the Ateneo de Manila University, pursued Behavioral Economics in consultation with the Father of Behavioral Economics and Nobel Laureate Richard Thaler and Dan Ariely of Duke University. She completed an Executive Course on Behavioral Economics at the Harvard Business School.
She’ll tell us some basic information about Behavioral Finance and why Financial Education alone is not enough to get better at our finances.
Buy her books: www.fqmom.com/bookstore
Follow FQ Mom on FB: www.facebook.com/FQMom
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.
🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to Pera & Purpose Podcast: [https://kite.link/Pera&PurposePodcast]
Check his FB Page: [https://www.facebook.com/PurposeDrivenFinance]
Living a meaningful life has nothing to do with how much money you make, and with the stuff you acquire.
Minimalism has somewhat gained popularity over the last couple of years, with the help of Joshua Fields Millburn & Ryan Nicodemus AKA The Minimalists.
This movement has gained popularity over the years because it has transformed the lives of so many people in so many ways!
In my next episode, I’ll be joined by Ms. Shyrell Tamayo, the Creative Director and Founder of a boutique photography, Enchanté Studios, in Dubai for 9 years.
Her passion for less is more concept is evident in her housekeeping as well as other passion projects she is launching including a neutral wear and feel good essentials for home.
We’ll be talking about how Minimalism has changed her life and why it is also good for everyone’s finances!
Ready to be a Financial Minimalist?
Join us for another Finance Friday with Kuya Jay & Ms. Shyrell!
Filipinos love free stuff, even in getting financial advice.
But is free advice really for free?
If not, then how much does free advice cost?
Also, why would you pay for a piece of financial advice if you can watch YouTube videos and a lot of Financial Advisors offer it for free?
Here’s the thing….
Consumers need to understand that Financial Advisers who offer free advice are intermediaries and are not doing charity. They are are compensated by financial companies via commissions. If they are giving "advice", they get something out of the products sold. It is still fine if the product sold is suitable, but sometimes, it is not.
There lies the catch. There is always that angle of conflict of interest that one needs to be aware of. You really don’t know whether what they are selling to you is really good for you or good for them as a commission-generating sale.
On the other hand…
There are those who are fee-only advisers or “fiduciaries” who are legally obliged to act in your best interest. They usually charge a flat salary or fee or receive a cut (1 percent is typical) of the assets under management. Because of the compensation structure, these advisers are seen as having fewer conflicts of interest than commission-based advisers.
Fee-only advisers are rare in the Philippines, and I know that there are still a lot of commission-based advisers who truly have the heart to help their clients.
So in this somewhat controversial topic in the Financial Services Industry, I have invited Mr. Aya Laraya. He instantly became one of my FinLit heroes when I first watched his Pesos and Sense program.
He’s been involved in different financial industries in the Philippines since 1989. He is a Certified Securities Representative, a Registered Financial Planner, a Certified Investment Company Representative, a Realtor, a writer with an MBA from University of Western Australia and the Founder of Ronin TVM App, a mobile app for financial advisers to efficiently engage clients and prospects.
In this episode we’ll tackle the REAL cost of free advice, what you need to be careful of when getting a free advice, how to find the right adviser, and more!
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.
Financial Ignorance is expensive.
Please allow me to expound.
Did you know that if you invest $1,000 monthly for 30 years and make an 8% average annual return from your sensible stock portfolio, minus 1% per year for all investing costs, you’ll end up with $1,227,000?
But paying just 1% extra in costs will lose you $218,000 of that! Unfortunately, most plans available will charge you a lot more.
So if you want to make the most of your investment, you must keep those fees as low as possible.
I’m so thrilled by my next guest as I consider him as a celebrity when it comes to Expat Investing here in the UAE!
Steve Cronin has advised the top management of banks, asset managers, and sovereign wealth funds all over the world, including princes and prime ministers for over the past 17 years.
He is a Board Member of SimplyFI.org, a Debt Panel contributor for the popular newspaper, The National, and a Corporate Wellness expert.
In 2016 he set up a small blog about saving called DeadSimpleSaving.com, primarily for expats.
Whether you’re an expat or not, I’m telling you to NOT MISS THIS SPECIAL EPISODE WITH STEVE!!
--
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.
🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to Pera & Purpose Podcast: [https://kite.link/Pera&PurposePodcast]
Check his FB Page: [https://www.facebook.com/PurposeDrivenFinance]
It’s not your salary that’s going to make you rich, it’s your saving and investing habits. In my next episode, I’ll be joined by Aries Baloran. He is based in Italy where he started as a driver & helper, and now working as a gardener. But don’t be fooled because he is also a stock market trader & investor, an entrepreneur, a freelance graphic artist and web developer and a Financial Literacy Advocate! He shared an awesome tip on how you can encourage your partner to start investing, how they survived the pandemic, how he teaches his kids about money and the importance of involving the entire family towards their financial goals. Most importantly, he shared his stories and strategy on how he earned his first Mil. -- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms. 🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp 💬 Whatsapp https://wa.me/971521435522 🔊🔊🔊Listen to Pera & Purpose Podcast: [https://kite.link/Pera&PurposePodcast] Check his FB Page: [https://www.facebook.com/PurposeDrivenFinance]
Jumping from one job to another come in varying distances.
Some feel lofty and risky.
Some are difficult yet manageable.
When considering whether or not to make a jump, there tend to be more convincing reasons to stop taking the risk. After all, the justified mind wouldn't trade the security and stability of the present moment for an unpredictable and rocky future.
In this episode, my next guest will help us uncover the the rationality of taking the leap, discuss the proper mindset needed to make a successful jump and a list of check lists before finally making your first or next leap of faith.
Jesi "Jog" Bondoc is a Resident Lecturer and Panelist at the Association of Registered Financial Planners in the Philippines, an owner of several businesses like Rolling Mountains, Tea Creations Inc., XP Parcel and Anytime Fitness Gym and many more!
He also has his own column at Manila Times newspaper. His articles have been published in Money Sense Magazine, Business Mirror, Rappler, Manila Bulletin-Panorama and Woman Today on topics covering personal finance and investments.
He has more than 15 yers of experience in the financial services industry and has conducted multiple personal finance, retirement planning, cash flow management and investment planning seminars to various companies and associations in the Philippines that includes Prulife UK, Veterans Bank, AXA, Metrobank, Sunlife,FWD, Smart Communications, PLDT, DepEd, COA, Ateneo Graduate School, De La Salle University, UST, DHL and more.
Also a regular guest as a financial expert on ANC channel’s TV show “On the Money”, Shoptalk, Bloomberg and Solar News.
--
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.
🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to Pera & Purpose Podcast on http://spoti.fi/36SEiHA, http://bit.ly/3sMn4Vu and http://apple.co/31sAPvF
Check his FB Page: [https://www.facebook.com/PurposeDrivenFinance]
Does the way we value ourselves impact our capacity to earn more (or less)?
Do you value yourself based on your paycheck or what you own?
Or Self Worth before Net Worth ba muna?
Well, let’s invite someone who has been advocating Self Worth since day one and who’s now living life in his own terms through vlogging!
RTD is back! This time around we’ll be discussing the importance of knowing your worth, how you can begin your journey towards loving yourself, the common misconceptions about self worth and how you value yourself directly impact your finances.
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. Last year, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be streamed on Pera & Purpose Podcast.
🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to Pera & Purpose Podcast:
-
Spotify: https://spoti.fi/30x41T8
-
Apple Podcast: https://apple.co/31sAPvF
“The best investment you can make is an investment in yourself.
The more you learn, the more you’ll earn.”
- A quote by Uncle Warren B.
Whether you’re considering going to college or university, or you just want to expand your knowledge with a course – studying has many benefits. One of which is gaining the essential skills needed to be happier in your career, or even finally figuring out what job is actually right for you.
In my next episode, I’ll be joined by Rene Paolo Isyasa. A 24-year old startup founder who built CourseBelt, an online learning platform that provides comprehensive and flexible access to quality education. Last year they have attracted 21,000 students since the pandemic began!
In addition to earning better, we’ll talk about how his love for learning helped him become a young CEO. Also, he will share a few good reasons why you should start studying and how you can stay motivated to learn or upskill yourself!
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. Last year, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be streamed on Pera & Purpose Podcast.
🤙 Schedule your FREE Discovery Call now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to Pera & Purpose Podcast:
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Spotify: https://spoti.fi/30x41T8
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Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenfinance/message
Bakit pag pinag-uusapan ang ugali ng mga Pinoy tungkol sa pera, kadalasan eh yung hindi magandang traits ang napag uusapan?
Ibahin natin ang usapan this time at sasamahan tayo nila Michael, JanJan, Mark at Karl. Sila ang mga kapatid natin na based sa Singapore na mas kilala sila as the Overseas Filipino Entrepreneurs!
Sa episode na to with OFE, we’ll talk about the positive traits that we Filipinos are known for and how we can use these characteristics to build our wealth!
Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning & Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution asked by Philhealth.
He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Goal Setting session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8
Apple Podcast: https://apple.co/31sAPvF
BUSINESS OWNERS & ASPIRING BUSINESS OWNERS LISTEN UP!
One of the seven habits of highly effective people, as Stephen Covey said, is to begin with the end in mind. As successful entrepreneurs, we also have to think about the exit plan from the very beginning if when the time comes that we need to sell our business.
But how?!
Many business owners fall into the trap of overvaluating their business and most decide to sell their business when it’s already too late, usually, when they’re already facing losses and close to bankruptcy!
Don’t worry because my next guest is Michelle Seiler Tucker, Founder and CEO of Seiler Tucker Incorporated. As a 20-year veteran in the M&A (Mergers & Acquisitions) industry, she is regarded as the leading authority on buying, selling, fixing, and growing businesses. Her and her firm have sold over a thousand businesses in almost every vertical and have a remarkable track record of success.
She’s been featured in INC, Forbes, Entrepreneur Magazine, USA Magazine, Fox Business News and CNBC. She’s an international keynote speaker and has spoken alongside many prominent speakers like Eric Trump, Arnold Schwarzenegger, Kathy Ireland, Donna Karen, Stedman Graham, Randi Zuckerberg, Steve Wozniak, and more. She’s also the Best-Selling Author of the book “Sell Your Business for more than It’s Worth” and has a new book called “Exit Rich®.”
In this episode we’ll talk about building a sustainable, scalable, and sellable business utilizing her proven techniques outlined in her newest book Exit Rich®.
Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning & Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution asked by Philhealth.
He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Goal Setting session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8
Apple Podcast: https://apple.co/31sAPvF
Warren Buffet is arguably the most famous investor on the planet, and his investing style is called "Value Investing".
Old school 'tong si Uncle Warren, and in these modern times, with the advancement of technology and other investors who developed new ways of investing, meron pa bang sense i-apply ang kanyang technique?
My next guest is Ms. Salve Duplito, she's a Registered Financial Planner, and one of the most respected financial journalists in the Philippines, co-host of On The Money, a personal finance show aired on the ABS-CBN News Channel. She shares personal finance tips and strategies, and widens the discussion on consumer and investing issues, and she is also a huge fan of Uncle Warren and his Value Investing strategy!
I've watched her program since 2015, and I'm really inspired by her undying advocacy for Financial Literacy para sa bansa naten. Dream come true talaga 'tong interview ko with her!
Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning & Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution asked by Philhealth.
He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Goal Setting session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
Whether you're a company owner or a professional who feels like it's time for a shift, making a change may be stressful and daunting.
Change itself is scary enough. There's a lot of apprehension before trying something new, and when you add further questions about your future, growth opportunities, and risks/rewards, it's even more difficult.
My next guest is Mr. Expat Entrepreneur himself, Francis Errol Medina. A former Head of Strategic Marketing and Business Improvement for Hilti Middle East, Turkey and Africa.
In 2019, he took the leap and became a full-time entrepreneur working with budding businesses such as FJ Prime Management Inc., MyHome Manila, Innovate Create Events and FJPMI-Mercato Central Joint Venture where he serves as CEO, Board Director, and Partner respectively.
Today, he is also one of the Co-Founders of Southville RAK (Ras Al Khaimah), the first Filipino higher education institution in the UAE.
We'll talk about when you can successfully make the pivot for your career, your business, or your life – and how to pull it off financially.
--
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution asked by Philhealth.
He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Goal Setting session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
I think one of the greatest deficiencies of our generation is our obsession with showcasing our deficits.
What if we focus more on enhancing our talents, gifts and strengths?
Embracing our weaknesses and doubling down on our strengths allow us to capitalize on what we do well, and build on what we need help with (whether through getting better at our job or improving our Personal Finance).
My first guest for 2021 is Coach Ron Magsalin. He is a former Overseas Filipino who worked in Emirates Airlines as a Senior Cabin Crew for 6 years.
Now a Gallup Certified Strengths Coach and a Registered Financial Planner, he facilitates transformational development by uncovering talents of individuals and help them use their strengths to their career, relationships, finances and other important areas of their lives.
Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution asked by Philhealth.
He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Goal Setting session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
Wouldn't it be cool to finally be someone other people look at and think, "Wow, ang galing mong humawak ng pera. Nakakabilib!"
Do you still find yourself wishing for better money habits, but you just can't seem to change your everyday behavior?
Good news! You can change your current behaviors entirely and become the person you always wanted to be!
We are not inherently "good" or "bad" with money. However, over time, we have built good and bad habits around our finances, and this is what generally makes the difference between someone who manages money well and someone who doesn't.
Rather than beating yourself up for your shortcomings, you can simply focus on building better money habits.
Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
The world is the true classroom and evaluated experience is our best teacher.
2020 has been a helluva experience for the most of us
In this episode let's evaluate the money lessons that we've all learned this year para mas mapaghandaan natin ang 2021!
Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
Canada is a top destination for many Overseas Filipinos.
Bakit nga naman hinde eh Filipinos who migrate to Canada either as a Permanent Resident or as a citizen, have access to all of the country’s social programs tulad ng libreng health care, libreng pagpapaaral ng mga anak hanggang matapos ng highschool at marami pang iba!
My next guest is Maricel Agustines, a Regulated Canadian Immigration Consultant (RCIC), member of Immigration Consultant of Canada Regulatory Council (ICCRC) and Canadian Association of Professional Consultants (CAPIC).
She also worked in Dubai before migrating to Canada and for the last 10 years she has been involved in student counseling and permanent residence through economic immigration. Expat or not, expect a straightforward immigration advice!
**Link to the survey: https://forms.gle/cddBN1ua5xzZN3T67
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
Whether you’re looking for an investment opportunity or just a place to live, there are some very important variables about buying a home that your real estate agent may not be telling you (or forgot to tell you).
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast. 😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 💬 Whatsapp https://wa.me/971521435522 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
Alam mo ba na the majority of the world’s richest people, whose combined fortunes have reached more than $2.3 trillion, are degree holders and started their career in sales, according to a study by Forbes?
In this world, you're either selling or being sold to. Either way, you have to choose a side. If you seek to understand sales, the highest-paying profession, you will become a millionaire.
In my next episode, I'll be joined by Jonathan Petalver-- the Founder and CEO/President of the Petalver Management Consultancy Service, with over 20 years of experience as a strategic sales professional, entrepreneurial leader and strategic management learning provider. He is the Program Director of Transformational Sales Leadership Programs of the Ateneo Graduate School of Business – Continuing Center for Education (AGSB – CCE). He is the author of the 1st Online Masterclass in Creative Entrepreneurship. He founded The Sales Champ Academy, The Sales Champ Club, and THE (Training Hub for Entrepreneurship) ACADEMY. He also designs and conducts strategic learning programs, creative entrepreneurship and Executive Masterclasses programs to Top 1000 Philippine Companies.
In this episode we will talk about the 4C's of Strategic Salespreneurship for you to be able to sell and win more in this New Norm!
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines.
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenfinance/message
Maliban sa Wills, ang Trusts ay isa ring magandang paraan para ma-distribute ang ating mga ari-arian the moment na matapos na natin ang ating misyon sa buhay. In this episode, I interviewed Coach PJ Roman. He is the Head of Business Development for AB Capital and Investments Corporation where they manage over 20 Billion Php in funds. Also he has 12 years in the Trust Industry, and a fellow Yaman Coach sa Personal Finance Adviser's (PFA). -- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 💬 Whatsapp https://wa.me/971521435522 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenfinance/message
Now more than ever, many have realized the importance of having a Life Insurance policy in place.
As Financial Planners, we can determine the time when you'll be out of debt or if you're ready to retire but one thing we can never tell is the time when you'll acquire a life-threatening disease or die.
In my next episode, I'll be joined by Michael Pe. He is the FIRST foreigner pass holder to obtain a leadership role in the entire insurance industry in Singapore, a 3-time MDRT qualifier, an entrepreneur and the Founder of O.F.E. (Overseas Filipino Entrepreneurs).
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
Naalala ko noong 2015 nung nagsisimula pa lang akong mag-invest. Wala akong matanungan or malapitan sa circle ko kasi wala namang may alam about stocks or mutual funds! Ang alam lang namin noon na investments eh sapatos!
Good thing social media groups were emerging back then at napadaan ako sa The Global Filipino Investors FB Group where discussions about investments and business were openly discussed by Filipinos.
The group's founder, Floi Wycoco, was a former OF in Singapore. He's also known as Mr. Investor, at isa sya sa mga tinitingala ko na "OG" ng FinLit Revolution nung mga panahon na I was learning the ins and outs of investing when I came to Dubai 5 years ago.
Today, his TGFI team produces webinars and seminars focused on improving money management among Filipinos both in the Philippines and abroad.
Sa episode na 'to, we’ll be talking about how EVERY Overseas Filipino can succeed financially and become a Global Filipino Investor!
No time to watch? Listen to it on my Pera & Purpose Podcast. Available on Spotify, Apple Podcast and other popular podcast streaming platforms.
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
I'm always fascinated by how few people accomplish remarkable feats. What I'm also curious about is if they view wealth and success differently from the average individual.
Overseas Wealthy Filipinos is a segment that aims to deconstruct the lives of overseas Filipino achievers from various areas (business, sales, marketing, arts, engineering, architecture, sports, etc.) to discover their purpose, perspectives, principles and practices that we can replicate. This includes their time management strategies, habits, diet, books, ideas about wealth and so much more!
In my first OWF episode, I'll be joined by Dr. Mary Jane Alvero-Al Mahdi, Group CEO of Prime Group of Companies and one of the recipients of the Asia CEO Awards 2020 Smart Enterprise Global Filipino Executive Circle of Excellence.
She will share her stories of trials and triumphs from the time she worked in a textile company in Jebel Ali (which paid just Dh1,000 a month) to becoming one of the world's top CEO's.
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
The process of starting a business in the UAE involves several steps that can be difficult for a new entity to understand the process of setting up a business. Wondering how to get started? Edwin Duria, Managing Director of Play Middle East, has helped companies through the business set-up process in this part of the world. His venture has supported over 250 high profile clients including Samsung and Pearson Education and has earned partnerships with both regional and international governmental organizations.
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is also a Yaman Coach under the Personal Finance Advisers (PFA). He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth. He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai. 😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 💬 Whatsapp https://wa.me/971521435522 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
Bago sumakabilang wallet ang sweldo natin ngayong darating na undas, kwentuhan muna tayo ng mga nakakatakot na PERAnormal stories that I have seen and heard in my experience as a Financial Planner.
I-share ko na rin ang ilan sa mga naka-engkwentro ko nung mga panahong wala pa akong idea about personal finance.
Let's turn these stories to important financial lessons kasi life is too short to experience all the mistakes ourselves! Matuto rin tayo sa iba beshh!
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
How do you know that you're TRULY wealthy? Is it the amount of money in your bank? The assets you own? The number of friends you have?
My next guest is Dr. Rex Bacarra, a highly-respected educator, a community leader, a philosopher, and a monk in his younger years. He is an inspiration not just to me but to many Filipinos and other expats living here in the UAE.
In this episode, Doc Rex will share his wisdom of what it means to live a wealthy life.
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Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
If you’re interested in putting up your own business but don’t have any idea where to begin, Franchising can be a good option for you.
In my next episode, I’ll be joined by a man of many hats! In addition to being a celebrity in the 90’s, RJ Ledesma has done so many things such as hosting, writing a book, being a columnist, being a consul for Monaco in the Philippines and being an owner of so many businesses, one of which is EasyFranchise - a tech startup company that helps OF’s in looking for the perfect franchise that would fit their needs.
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Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If thisx added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
One reason many people don’t become entrepreneurs is that they just don’t know where to begin.
What we often forget is that the most successful entrepreneurs in the world all started the same way! They didn’t know what the first step was or what they had to do, but they all managed to take it and become the amazing success stories they are today.
Jon Edward Santillan is the founder of Denarii Cash, the UAE's most cost-effective remittance app offering high exchange rates that helped many Filipinos in sending money back home.
He's been through a lot, and as for me, I want to learn how he developed his product, did his pitch, raised funds, and scaled Denarii to where it is today!
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is also a Yaman Coach under the Personal Finance Advisers (PFA). He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth. He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai. 😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 💬 Whatsapp https://wa.me/971521435522 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
Should you buy a Condo, a Town House, or a House & Lot? Housing choices are abundant, leaving many first-time homebuyers wondering which type of residence to buy. Each style of dwelling has its pros and cons. So tonight, we'll be discussing the things that you should consider in buying your first home.
As part of providing informative content about Responsible Real Estate Investing, Mr. E & I will have a regular program every first and third Wednesday of the month to tackle the most common issues that every property investor face.
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is also a Yaman Coach under the Personal Finance Advisers (PFA). He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth. He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai. 😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 💬 Whatsapp https://wa.me/971521435522 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
“Our prosperity as a nation depends upon the personal financial prosperity of each of us as individuals.”
- George Clason, Author of The Richest Man in Babylon
What makes other nations flourish financially?
Is it the location? The government? Its people? Or its financial culture?
Let's learn from my next guest, Nathan McFarlane! He'll share with us about what it's like in the UK and how most of its citizens deal with money.
He's passionate about improving financial services in the UAE and as the Founder of Filpera & Co-Founder of helpwithdebt.ae, he has been working on making financial advice available to all.
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
Misinformed or confused first-time buyers fall prey to sales agents who are just there to sell you that property! If you are planning to buy your first home or property investment, make sure you don’t miss our 2nd episode of Real Talk On Real Estate!! -- As part of providing informative content about Responsible Real Estate Investing, Mr. E & I will have a regular program every first and third Wednesday of the month to tackle the most common issues that every property investor face. -- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is also a Yaman Coach under the Personal Finance Advisers (PFA). He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth. He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai. 😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 💬 Whatsapp https://wa.me/971521435522 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
As part of providing informative content about Responsible Real Estate Investing, Mr. E & I will have a regular program every first and third Wednesday of the month to tackle the most common issues that every property investor face. For the Pilot Episode of our Real Talk On Real Estate, we'll talk about the common condominium dues that you have to be aware of! Responsible Real Estate Investing with Mr. E & Ayala Land!
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is also a Yaman Coach under the Personal Finance Advisers (PFA). He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth. He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai. 😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 💬 Whatsapp https://wa.me/971521435522 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
Many expats face huge financial crises when they get slapped by a lawsuit! Ignorance of the law excuses no one, and these costly mistakes can be prevented only if we are equipped with the proper information. There are some who don’t even know their rights as an expat.
My next guest is Atty. Barney Almazar. He probably is the only Filipino lawyer that I know in the UAE. 😅
He has been providing legal assistance to Philippine missions in Dubai and Abu Dhabi, assisting distressed Filipinos for the last couple of years, and his book, “The Essential OFW Guide to the UAE” has become a valuable resource for the community.
Your comments give me life, please take a moment and say ‘Hi’ in the comments and let me know what you thought of the episode …
PS It would mean the world to me if you hit the subscribe button ;)
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
Also last August he was invited to speak in front of Congress to represented the sentiments of many OF’s regarding the mandatory 3% contribution being asked by Philhealth.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
Real Estate investing has been a hot topic since the beginning of the pandemic. Property prices have gone down and banks have been generous in lowering their mortgage rates.
What a perfect time to buy your new home! Or is it?
Wag magpadala sa HYPE! Pakinggan mo muna ang next episode about real estate investing with my guest!
Enrique Yamzon, also known as Mr. E, has over a decade of experience working in high-level positions within the regional and international real estate sector, driving multimillion-dollar initiatives for prestigious companies like Chestertons, Safeer Serve and Al Habtoor Properties. A true rockstar in his field!
He currently is the Country Manager for Ayala Land International's Middle East office, and he is poised to promote Responsible Real Estate investing in this region.
Also, he is actively involved in the Philippine Business Council – Dubai and the Northern Emirates as the Director of Business and Corporate affairs. There, he leads the business networking initiative SOBIZ (Socializing with Business) which connects entrepreneurs for mutual gains.
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
Podcast International is a passion project by content creators Jeric Defante, Kristine Tara Fuentes-Defante. Jay Tolentino, Darbs Kim, Ion Gonzaga and Filipino Communicators Collective co-founder Nicholo Jallores.
Creating content is a necessary skill if you want to stay relevant these days, and with the increasing number of people consuming audio content, podcasting can be a good platform to send your message across.
This episode does not mainly talk about money (well, touched on monetization a little bit). Darbs is a leader when it comes to content creation while Nicholo is an expert in terms of strategic social media marketing.
Here we talked about our idea of what a meaningful content is, self worth, how we started, how to not give a f----, adding value, knowing which content to start with and even the perspective of an agency when the time comes that you're ready to monetize!
This is a FULL-PACKED episode that new or seasoned content creators can still learn from.
If you know want to start your own podcast but don't know where to start, please join our group: www.facebook.com/groups/podcastinternational
Do you sometimes feel that you are losing opportunities in life because you think that others took it away from you?
Let me tell you this - there is enough for everyone.
Your comments give me life, please take a moment and say ‘Hi’ in the comments and let me know what you thought of the episode …
PS It would mean the world to me if you hit the subscribe button ;)
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
💬 Whatsapp https://wa.me/971521435522
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
Got a chance to be interviewed by Bob Quilapio AKA Bob Kebab in his program, The 4th Project. There we talked about me coming to Dubai just to follow my ex, how I moved on, my failures in my finances, law of association, how to change a mindset and how I basically view life. Huge shoutout kina Direk Lloyd Luna and Apple Manansala for letting me share this content sa aking podcast. They are the leaders of TNC aka The new channel which is a daily live streaming platform and content creator of inspirational shows on Facebook and Youtube.
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is also a Yaman Coach under the Personal Finance Advisers (PFA). He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai. 😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
How do you overcome a 647 AED (8.5 MILLION PESOS) worth of debt?! Mukhang may forever..... sa utang! But don't lose hope! Our guest this Friday, is Ms. Jessie Quintilla, a passionate HR leader in the Filipino Community in Dubai, the Co-Founder of Entrepinoy FZE and PentaGlobal HR Solutions. Her debt story is truly inspiring and she will open up what lead to that insurmountable problem and on how she tackled each of her debts down to zero! Kung lubog ka sa utang, magagawan mo yan ng paraan! -- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is also a Yaman Coach under the Personal Finance Advisers (PFA). He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai. 😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it. 🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp 🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
Spotify: https://spoti.fi/30x41T8 Apple Podcast: https://apple.co/31sAPvF
Many of us probably don't understand how banks work. Other than putting our savings, there are other things that we need to know like the difference of current vs savings accounts, how credit cards work, debt to burden ratio and many more BASIC stuff about banking.
Well, have no fear! John Sherwin Chua is here! He's a seasoned banker with more than a decade of experience in the banking industry. He'll share with us the common issues faced by many people with banks and how we can effectively address them.
Bro John has also conducted several talks about Financial Literacy at the Philippine Consulate General Office in Dubai.
DISCLAIMER:
The opinions, thoughts and ideas expressed in this presentation are those of the host/guest and do not reflect in any way those of the institutions to which they are affiliated. The materials contained in this presentation do not constitute direct legal advice and is for informational and illustrative purpose only.
Your comments give me life, please take a moment and say ‘Hi’ in the comments and let me know what you thought of the episode …
PS It would mean the world to me if you hit the subscribe button ;)
😊If this added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now! https://calendly.com/kuyajay/fp
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai.
He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP).
He is also a Yaman Coach under the Personal Finance Advisers (PFA).
He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day.
He is also a Co-Founder of On Distinctive Designs, a creative design company in Dubai.
Humans are more emotional than rational.
We buy things not only because we think we need it but because we FEEL the need to buy it! We buy mainly on our emotions and justify with logic.
Take a look back at your recent purchases. Have you noticed that most of those occurred when you were at the peak of your excitement or at the deepest of your sorrows?
In our next episode, we'll be joined by Dr. Rommel Pilapil Sergio, a renowned professor and psychologist in the UAE. He will help us understand the science behind why we buy and how we can prevent Emotional Spending.
Your comments give me life, please take a moment and say ‘Hi’ in the comments and let me know what you thought of the episode …
PS It would mean the world to me if you hit the subscribe button ;)
Kuya Jay is a Financial Planner and a Co-Founder of a creative design company in Dubai, UAE.
😊If this episode added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now!
🔊🔊🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️VoiceMail your questions: https://anchor.fm/purposedrivenjay/message
Are you a saver or a miser? What’s the borderline between frugality and being stingy?
Is being called Kuripot a bad thing or is it the new thing during this pandemic?
My next guest is Rod Fernandez, a Certified Kuripot. He’ll teach us why being Kuripot is the coolest thing you can do with your money!
Your comments give me life, please take a moment and say ‘Hi’ in the comments and let me know what you thought of the episode …
PS It would mean the world to me if you hit the subscribe button ;)
Kuya Jay is a Financial Planner and a Co-Founder of a creative design company in Dubai, UAE.
😊If this vid added value, I hope you can kindly share to a friend who might also benefit from it.
🤙Schedule your FREE Online Financial Planning session now!
🔊Listen to this and my other episode on my Pera & Purpose Podcast:
- Spotify: https://spoti.fi/30x41T8
- Apple Podcast: https://apple.co/31sAPvF
🗣️Send me a voice message: https://anchor.fm/purposedrivenjay/message
Can Overseas Filipinos invest while working abroad? Definitely yes!
However, our chosen investment vehicles require the right strategies in order for us to achieve the desirable results.
Pablo Santos Jr is part of KD Agriventure, a Dragon Fruit farm in the Philippines that he co-founded while he works in one of the top companies here in the UAE.
Can you really buy happiness? Experts say that you can…well, to a certain extent and amount.
In my younger years, I was one of those dudes who bought stuff just to fill that void until I got caught up in the endless pursuit of acquiring things just to feel happy.
During my time as a sneaker head, Antonio Aguirre Jr. was definitely the person who everyone admired in the sneaker scene. Known as Mr. Sole Slam, he revitalized the sneaker culture in the Philippines when he launched Sole Slam Manila in 2011!
In addition to being the CEO of Sole Slam Inc., he's also a creative consultant for many companies/brands like Smart, SMB, Vans, Reebok, URCC, Marlboro and FILA to name a few of them.
He’ll talk about why more money will not make you happy but instead use it as a tool to make other people happy.
A research shows that genetics accounts for one-third of financial behavior, however, the researchers found that upbringing is an important factor in the investment behavior of young people but that its effect is replaced over time by the accumulated life experiences of the individual.
In our next Finance Fridays, I will be joined by Ben Lebig Jr, an accomplished Global Finance Professional with more than 19 years Finance and related experience on various industries.
Being an OFW for more than a decade already has taught him so many lessons about life and money. In his experience helping a lot of Filipinos in the UAE, he will tell us what really accounts to an OFW’s spending habits.
Certain things just don’t mix well like red wine and vodka. The same goes for your finances.
Business owners intertwine business and personal finances all too often. After all, you are your business, but blending up the two will mean a mess at tax time.
Fitz Villafuerte is the man behind the popular financial blog, Ready To Be Rich. It started in 2007 which aims to help Filipinos achieve financial independence and live life in their own terms. When I started my journey, his blog was where I usually turn to for better understanding of the stock market, mutual funds and other investment vehicles in the Philippines.
Maintaining clear lines between your business and personal expenses doesn’t need to be challenging. In our next episode, Fitz will clarify the similarities and differences of handling personal and business finance. He'll also share his experience being the Owner of 199jobs and as the Director of Wealth Arki.
The Philippines has experienced two major Financial Crises before this COVID Pandemic happened - ’97 Asian Financial Crisis and ’08 Global Financial Crisis, and in every adversity, we Filipinos have shown resiliency.
In our next episode, we’ll have a quick throwback with Coach Efren Llamas Cruz. He is a mentor not just to me but to a lot of Financial Planners as well. He is a registered financial planner of RFP Philippines, seasoned investment adviser, bestselling author of personal finance books in the Philippines, and Chairman of Personal Finance Advisers.
His 30 plus years experience in the financial industry makes him the best "tour guide" for this trip down memory lane. He will share with us his first-hand experience during the last two crises and how this pandemic is different from them.
The '97 AFC, '08 GFC and the COVID-19 crises can last for some years or so, but there’s one crisis that can last for generations if not properly planned for - our Personal Financial Crisis.
"Find your passion" is probably the most popular advice that you will hear from many successful and influential individuals of our modern time. It is defined as a feeling of intense enthusiasm towards something.
Our next guest is someone you're probably familiar with. He's a good friend and I would consider as the epitome of execution! Darbie Kim, AKA Real Talk Darbs, showed the courage to continue his passion for vlogging just recently. He resigned from his well-paying job during the lockdown to become a full-time vlogger!!
Why and how did he find the determination to pursue the unknown even at the time of crisis? With all the interesting things that we want to do, how can we know that one thing is worth pursuing? More importantly, how can we sustain living a life we are passionate about?
Na-experience mo na bang maubos ang savings mo nung nagkaron kayo ng emergency sa Pinas?
In this pilot episode of Finance Fridays, I will be joined by Rienzie Bionela, a seasoned Registered Financial Planner with more than a decade of experience in helping families plan for their future!
We'll discuss how an Overseas Filipino can avoid financial troubles when his or her loved one back home falls sick.