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See how Citi is taking steps to help mitigate the effects of the pandemic, from helping clients to providing relief through funds to frontline healthcare workers, organizations such as No Kid Hungry and more. Despite the pandemic limiting options for group events, Citi was determined to do our part through meaningful volunteerism. The Citi Plex Account is a new digital checking and savings account built to make managing money simpler, smarter and more rewarding. Community Development Financial Institutions do more than provide capital, they level the playing field for communities and populations at risk of being left behind. Market attention has focused on the bearish potential return of the U.

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David semple first state investments careers Posted in Save Tagged Armand bengcobusiness trendsfinancial freedomfinancial goals francisco colayco investment, financial wellnessFrancisco colaycogoal settinghow to grow moneyinvestment opportunitiesInvestments philippineslife goalssuccess Leave a comment. Strike whilst the iron is hot! You continue to share valuable knowledge and personal experience in money management. Hindi naman talaga kailangan ng napakalaking pera at pagsisikap para maging maayos ang buhay pananalapi. Maraming salamat Mr.
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Sienkiewicz terrazzino investment During the vacation, try francisco colayco investment leave your credit card behind and just bring your budgeted cash so you are not tempted. Unfortunately, some vacations are taken as an emotional outlet just to get away from reality because of a big problem. The children on the important moving averages forex factory hand, whether they continue to live with their parents or live on their own have to undergo three major hurdles. At the same time, you will realize how realistic your goals are based on your timetable. Ngayon hindi ko na gagastahin ang ipon ko. More than ever Filipinos need to be wise with their money not just in choosing what to buy or how to spend their hard earned cash but in how to grow it. Credit card debt, especially if incurred for consumption, is never a good debt.
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HOMBERGH INVESTMENTS 101

This means that unlike the stock investing where you have to wait till the system matches your volume-price sell offer with that of a buyer — in mutual funds, there is always a ready buyer — the mutual fund company. There are no maturity periods though if you redeem your investment before six 6 months a minimal exit fee is charged. Over all, you can get the cash when you need it.

This is very important as you may have future unforeseen financial obligations or opportunities wherein you need money. Ideal for those who would like to grow their money in an instrument with good returns, medium-risk and low maintenance requirements.

We teach you more than just the what and how to which a decent sales agent can tell you. We focus on equipping you with the right long-term strategies to investing effectively in mutual funds and achieving your wealth goals. For seminar details and other payment options SMS We have been discussing savings, investment, insurance and other matters through the past fifteen years. It is defined as the gathering of assets from individuals and organizations to develop a larger, diversified portfolio.

Being the pioneers of sharing financial literacy to the masses, the Colayco Financial Education will be offering a C …. Personal finance is a life long activity. Learn about your personal finances and be the first to know about news relevant to your personal finances and growing your money. Pera Mo Palaguin Mo! Pera Mo Palaguin Mo is a radio program that aligns itself as the financial concierge of the Philippines and focuses on guiding our fellow Filipinos in their Give the Gift of Wealth This Christ All 6 books of Francisco J.

InvestAbility: Mutual Funds 3 Reasons to Invest in Mutual Funds Mutual Funds are the best growth instrument for ordinary income earners for these 3 very simple reasons: 1. It is possible to invest this low because mutual fund managers pool However, this is definitely not even close to describing Francisco J.

Now Christmas book promo now The key is to be able to rise and learn from failure and in effect, turn the failure as a success. And you can always rise from any kind of failure. Unfortunately however, when it comes to money or business failure, it is only possible to recover if you still have time and energy left. If you are young, you can take more risk because you have the time and energy.

However, just because you are young does not mean that you should only invest in risky businesses. You still have to balance your investments so that if some fail, you will have the chance to recover faster. As they say, never put your eggs in one basket. As you grow more wealth and gain more experience, you can invest in higher risk opportunities only if you can really afford to lose your investment completely. This means that you have enough investments that, if you lose the risky investment, you can still meet your financial goals.

It is almost like gambling. When you gamble, you know that you can lose that amount completely. It is easy to be attracted to high returns especially when so many friends and relatives tell you stories about how much money they have made. So, study your risk options well. In the last article we started to talk about the need to set personal financial goals or objectives.

Before, making your plan, here are some tips on what you should be ready to do:. There is a study that shows that people who succeed write their plans. You must have a written plan for each goal. It is not enough to say that you want to save or that you want to cut expenses.

You have to know what it is that you are saving for and specify each goal in terms of amounts. If you have a timetable, you will not procrastinate because you know when you have to reach it. At the same time, you will realize how realistic your goals are based on your timetable. Now and in the coming columns, I will present you eight questions that you need to ask yourself to be able to set your financial goals:. Each person has a dream of the kind of lifestyle he wants.

What is meant by lifestyle? Lifestyle is the standard of living. The higher the standard, the higher the expense. However, you will be surprised that sometimes these people are actually not as rich as they are portrayed to be. Many of them are deep in debt that if they suddenly die, their heirs might be left with so many problems instead of inheritance. Many people will say that they just want lots of money to spend without any idea of what they want to do with it. You can start with your present lifestyle.

You know how much you spend regularly. If you are regularly in credit card or other kinds of debt, you can estimate how much more income you really need over what you are actually receiving, to maintain your present lifestyle. If you are unable to earn that additional income, you have to downgrade your present lifestyle or go to the next question next week.

And here is how we want to help you get it! Follow the coming articles that will help those who want a refresher course…. It has been more than eleven years since I started teaching how to care for your personal financial matters. From the many feedback I have received from readers, it is very clear that so many ordinary earning Filipinos do not know how to save and grow their money.

The questions I receive are varied and detailed but the most frequent can be summarized into three:. Before even asking these questions, each person should first set their goals. I always remind people that you cannot go anywhere if you do not first establish where you are and where you want to go. My favorite example is when you go to a Mall for the first time and you want to go to a particular store without wasting time because you are in a hurry. You can ask people around you but sometimes, they do not know or worse, they give you the wrong information.

The best method is to look at the map in the mall and locate your store and how to go there. This is the same routine you should follow when you want to save, get into business, or invest your money. When people realize they should save and grow their money, they are suddenly in a hurry to do it without any planning. They start asking around from people they know. Unfortunately, most of the time, they ask people who also do not know how but are so eager to pretend they know.

They start getting wrong advice and end up losing money without even knowing how and why. Note that most legitimate investments are sound investment instruments. They are all good investments. However, what is important is to be able to tell which one is suitable or best applicable to your needs. It is impossible to be able to discern which is the best for your personal situation unless you have your own financial plan based on your own specific timetable.

We will talk more about goal setting in the next articles. Our next seminar is on Nov. Join it. Based on experience, we learn more when we have immediate feedback on our questions. Maliban sa mga aklat, pinanood ko rin ang mga payo ni G. Colayco sa YouTube at binasa ko ang artikulo sa website. Ang laki ng pagbabagong ginawa niya sa buhay ko. Marunong na akong mag impok ng pera.

Ibinabahagi ko rin ang mga kaalamang natutunan ko sa aking mga anak, kaibigan, kapatid, at mga taong nakikilala ko para malaman nila kung ano ang tamang paraan ng pag-iimpok ng pera para makalaya sa kahirapan. Maraming salamat Mr. Sinabi ni K. Nalaman ko na mali pala ang paraan ng pag-aayos ko ng aking mga kita, pero nalaman ko din ang pagkakataon na magsimula NGAYON.

Magsimulang mag-ipon at mamuhunan. Nalaman ko ang pangangailangan na dapat siguraduhin ang magandang kinabukasan ko at ng pamilya ko. Sana ay makatulong ang mga pahayag na ito upang himukin kayong basahin at pag-aralan, kung hindi para sarili nyo, para sa mga miyembro ng inyong pamilya na mayroong malaking pakinabang sa pamamagitan ng pagkakaroon ng mabuting batayan sa pamamahala ng sariling pananalapi.

Naging malaking inspirasyon ito sa akin. Natuto at naliwanagan ako sa aking murang edad. Natuto ako kung paano hawakan ang aking pera-na dapat ay palaging may maitatabi. Mabuhay at mapasainyo sana ang swerte. Naghahanap ako ngayon ng trabaho habang nag-aaral para sa board exam sa Nobyembre. Nabasa ko ang dalawang libro nyo, Money at Wealth at naging inspirasyon ito sa akin para pahalagahan ang pera at matutong mamuhunan.

Salamat sa pagsulat ng mga librong ito at sana ay marami pang bagong mga nakapagtapos na katulad ko o mga batang propesyonal ang makabasa ng mga ito at maging insperado. Pero all in all ay maganda po ang nilalaman nito with matching examples. Sa ngayon po ay try kong apply ang iba kong nabasa sa book. Importante ito lalo na sa babaeng katulad ko. Itong librong ito ay isang biyaya. I have learned how to take care and grow the finances of my family. Colayco sa aking pinansyal na kaalaman anim na taon na ang nakakaraan, mayroon na akong ipinuhunan ngayon at ito ay gumagalaw na laban sa pagtaas ng presyo ng mga bilihin at hindi lang pinapaginipan ang pagtaas ng puhunan ko.

Ang susunod kong proyekto ay gumawa ng Passive Income dahil gusto kong magretiro ng maaga para makasama ko ang pamilya ko ng mas matagal. Sulit ang pagpunta ko galing sa probinsya para bumili ng mga libro ninyo. Bumiyahe man ako ng malayo, nagbukas naman ito ng malaking oportunidad at pagsasakatuparan.

Talagang lumago. Sa mga librong Pera Palaguin naunawaan ko na ang kahirapan ay dahil din sa kakulangan sa kaalaman kung paano aayusin ang iyong pinansiyal na buhay at hindi lamang sa kakulangan ng mapagkukuhanan ng pera. Patuloy ninyong binabahagi ang mahalagang kaalaman at personal na karanasan sa paghawak ng pera. Hindi po ako nagkaroon ng pagkakataon para magsimula at mamuhunan. Siguro dahil hindi pa ako handa o hindi pa ako determinadong baguhin ang buhay ko. Ngayon na nandito na ako sa Pilipinas, naghahanap ulit ako ng trabaho sa ibang bansa.

Ngayon ko lang narealize ang kahalagahan ng proper investment and savings. Lahat ng ipon ko naubos na po at ako ay call center agent saMakati. Nakakaipon lang ako ng Php every tuwing sahod pero desidido na akong mag-save.

Ngayon hindi ko na gagastahin ang ipon ko. Pasyalan ang www. Ang bago kong libro karugtong ng mga libro na isinulat ko ay mabibili na sa National Bookstore at iba pang bookstores at pati rin sa www. Ang pamagat ng bago kong libro ay nagmula sa mga nauna kong libro. Sana ay isa ka sa mga talagang nakinig.

Kung hindi naman, hindi pa huli ang lahat. Kunin ang libro, basahin at pag-aralan at maniwala sa sarili na may magagawa ka. Marami nang tao ang nagtagumpay mula sa maliit nakinakailangang ipon. Ang kailangan mo ay Disiplina at Determinasyon. Kaya mo yan. Huwag ka nang maghintay muli ng sampung taon bagoka magsisi ulit dahil wala ka na namang ginawa. Colayco ang pananaw ng Philippine Stock Exchange sa pagsulong ng kultura sa pag-iipon at pamumuhunan dito sa ating bansa.

Sa pagsisimula at paghihikayat sa mga empleyado para mag-ipon at mamuhunan, nakakapagbigay tayo ng payo sa tamang paghawak ng pera sa ating mga kasamahan na sana ay maituro din nila sa kanilang mga kaibigan at kakilala. Sa mahigit na sampung taon sa ganitong adbokasiya, ang mensahe ni Topax tungkol sa pananalapi ay lalo pang pinagyaman ng mga tunay na karanasan ng mga totoong tao na ginabayan niya at ng buong Colayco Financial Education. Hindi naman talaga kailangan ng napakalaking pera at pagsisikap para maging maayos ang buhay pananalapi.

Ang susi sa pagyaman — oras, pasensya at tamang pagdedesisyon. Higit kailanman ang mga Pilipino ay kailangan maging marunong sa paghawak ng kanilang pera hindi lamang sa pagbili o pag-gastos ng perang pinaghirapan nila peropati na rin kung papaano ito palalaguin. Madaling basahin at indintihin, ito ang libro na makakatulong sa mga Pilipino siyasatinang posibilidad na bukas, magagamit at abot-kaya ng mga ordinaryong Pilipinong kumikita. My new book sequel to the books I have written is available in National Bookstore and other bookstores and even directly from us at www.

The title of the new book comes from the previous books. It will make you believe that, if you had listened then, you would be in a better personal financial condition today. I hope you were one of those who did listen. If you did not, it is still not too late. Get the book, read and analyze and convince yourself that you can do something.

So many people have succeeded with very little required savings. What you need is a lot of Discipline and Determination. You can do it. You can do it NOW! By starting and encouraging employees to save and invest, we are in fact contributing to the financial wellness of our work teams which should hopefully be passed on to their immediate environs and communities. The key to building wealth — time, patience and good decision making. More than ever Filipinos need to be wise with their money not just in choosing what to buy or how to spend their hard earned cash but in how to grow it.

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However, you will be surprised that sometimes these people are actually not as rich as they are portrayed to be. Many of them are deep in debt that if they suddenly die, their heirs might be left with so many problems instead of inheritance. Many people will say that they just want lots of money to spend without any idea of what they want to do with it. You can start with your present lifestyle.

You know how much you spend regularly. If you are regularly in credit card or other kinds of debt, you can estimate how much more income you really need over what you are actually receiving, to maintain your present lifestyle. If you are unable to earn that additional income, you have to downgrade your present lifestyle or go to the next question next week.

And here is how we want to help you get it! Follow the coming articles that will help those who want a refresher course…. It has been more than eleven years since I started teaching how to care for your personal financial matters. From the many feedback I have received from readers, it is very clear that so many ordinary earning Filipinos do not know how to save and grow their money. The questions I receive are varied and detailed but the most frequent can be summarized into three:.

Before even asking these questions, each person should first set their goals. I always remind people that you cannot go anywhere if you do not first establish where you are and where you want to go. My favorite example is when you go to a Mall for the first time and you want to go to a particular store without wasting time because you are in a hurry.

You can ask people around you but sometimes, they do not know or worse, they give you the wrong information. The best method is to look at the map in the mall and locate your store and how to go there. This is the same routine you should follow when you want to save, get into business, or invest your money.

When people realize they should save and grow their money, they are suddenly in a hurry to do it without any planning. They start asking around from people they know. Unfortunately, most of the time, they ask people who also do not know how but are so eager to pretend they know. They start getting wrong advice and end up losing money without even knowing how and why.

Note that most legitimate investments are sound investment instruments. They are all good investments. However, what is important is to be able to tell which one is suitable or best applicable to your needs. It is impossible to be able to discern which is the best for your personal situation unless you have your own financial plan based on your own specific timetable.

We will talk more about goal setting in the next articles. Our next seminar is on Nov. Join it. Based on experience, we learn more when we have immediate feedback on our questions. Maliban sa mga aklat, pinanood ko rin ang mga payo ni G. Colayco sa YouTube at binasa ko ang artikulo sa website. Ang laki ng pagbabagong ginawa niya sa buhay ko. Marunong na akong mag impok ng pera.

Ibinabahagi ko rin ang mga kaalamang natutunan ko sa aking mga anak, kaibigan, kapatid, at mga taong nakikilala ko para malaman nila kung ano ang tamang paraan ng pag-iimpok ng pera para makalaya sa kahirapan. Maraming salamat Mr. Sinabi ni K. Nalaman ko na mali pala ang paraan ng pag-aayos ko ng aking mga kita, pero nalaman ko din ang pagkakataon na magsimula NGAYON. Magsimulang mag-ipon at mamuhunan. Nalaman ko ang pangangailangan na dapat siguraduhin ang magandang kinabukasan ko at ng pamilya ko.

Sana ay makatulong ang mga pahayag na ito upang himukin kayong basahin at pag-aralan, kung hindi para sarili nyo, para sa mga miyembro ng inyong pamilya na mayroong malaking pakinabang sa pamamagitan ng pagkakaroon ng mabuting batayan sa pamamahala ng sariling pananalapi.

Naging malaking inspirasyon ito sa akin. Natuto at naliwanagan ako sa aking murang edad. Natuto ako kung paano hawakan ang aking pera-na dapat ay palaging may maitatabi. Mabuhay at mapasainyo sana ang swerte. Naghahanap ako ngayon ng trabaho habang nag-aaral para sa board exam sa Nobyembre.

Nabasa ko ang dalawang libro nyo, Money at Wealth at naging inspirasyon ito sa akin para pahalagahan ang pera at matutong mamuhunan. Salamat sa pagsulat ng mga librong ito at sana ay marami pang bagong mga nakapagtapos na katulad ko o mga batang propesyonal ang makabasa ng mga ito at maging insperado. Pero all in all ay maganda po ang nilalaman nito with matching examples. Sa ngayon po ay try kong apply ang iba kong nabasa sa book. Importante ito lalo na sa babaeng katulad ko.

Itong librong ito ay isang biyaya. I have learned how to take care and grow the finances of my family. Colayco sa aking pinansyal na kaalaman anim na taon na ang nakakaraan, mayroon na akong ipinuhunan ngayon at ito ay gumagalaw na laban sa pagtaas ng presyo ng mga bilihin at hindi lang pinapaginipan ang pagtaas ng puhunan ko. Ang susunod kong proyekto ay gumawa ng Passive Income dahil gusto kong magretiro ng maaga para makasama ko ang pamilya ko ng mas matagal. Sulit ang pagpunta ko galing sa probinsya para bumili ng mga libro ninyo.

Bumiyahe man ako ng malayo, nagbukas naman ito ng malaking oportunidad at pagsasakatuparan. Talagang lumago. Sa mga librong Pera Palaguin naunawaan ko na ang kahirapan ay dahil din sa kakulangan sa kaalaman kung paano aayusin ang iyong pinansiyal na buhay at hindi lamang sa kakulangan ng mapagkukuhanan ng pera.

Patuloy ninyong binabahagi ang mahalagang kaalaman at personal na karanasan sa paghawak ng pera. Hindi po ako nagkaroon ng pagkakataon para magsimula at mamuhunan. Siguro dahil hindi pa ako handa o hindi pa ako determinadong baguhin ang buhay ko.

Ngayon na nandito na ako sa Pilipinas, naghahanap ulit ako ng trabaho sa ibang bansa. Ngayon ko lang narealize ang kahalagahan ng proper investment and savings. Lahat ng ipon ko naubos na po at ako ay call center agent saMakati. Nakakaipon lang ako ng Php every tuwing sahod pero desidido na akong mag-save. Ngayon hindi ko na gagastahin ang ipon ko. Pasyalan ang www. Ang bago kong libro karugtong ng mga libro na isinulat ko ay mabibili na sa National Bookstore at iba pang bookstores at pati rin sa www.

Ang pamagat ng bago kong libro ay nagmula sa mga nauna kong libro. Sana ay isa ka sa mga talagang nakinig. Kung hindi naman, hindi pa huli ang lahat. Kunin ang libro, basahin at pag-aralan at maniwala sa sarili na may magagawa ka. Marami nang tao ang nagtagumpay mula sa maliit nakinakailangang ipon. Ang kailangan mo ay Disiplina at Determinasyon.

Kaya mo yan. Huwag ka nang maghintay muli ng sampung taon bagoka magsisi ulit dahil wala ka na namang ginawa. Colayco ang pananaw ng Philippine Stock Exchange sa pagsulong ng kultura sa pag-iipon at pamumuhunan dito sa ating bansa. Sa pagsisimula at paghihikayat sa mga empleyado para mag-ipon at mamuhunan, nakakapagbigay tayo ng payo sa tamang paghawak ng pera sa ating mga kasamahan na sana ay maituro din nila sa kanilang mga kaibigan at kakilala.

Sa mahigit na sampung taon sa ganitong adbokasiya, ang mensahe ni Topax tungkol sa pananalapi ay lalo pang pinagyaman ng mga tunay na karanasan ng mga totoong tao na ginabayan niya at ng buong Colayco Financial Education. Hindi naman talaga kailangan ng napakalaking pera at pagsisikap para maging maayos ang buhay pananalapi.

Ang susi sa pagyaman — oras, pasensya at tamang pagdedesisyon. Higit kailanman ang mga Pilipino ay kailangan maging marunong sa paghawak ng kanilang pera hindi lamang sa pagbili o pag-gastos ng perang pinaghirapan nila peropati na rin kung papaano ito palalaguin. Madaling basahin at indintihin, ito ang libro na makakatulong sa mga Pilipino siyasatinang posibilidad na bukas, magagamit at abot-kaya ng mga ordinaryong Pilipinong kumikita.

My new book sequel to the books I have written is available in National Bookstore and other bookstores and even directly from us at www. The title of the new book comes from the previous books. It will make you believe that, if you had listened then, you would be in a better personal financial condition today.

I hope you were one of those who did listen. If you did not, it is still not too late. Get the book, read and analyze and convince yourself that you can do something. So many people have succeeded with very little required savings. What you need is a lot of Discipline and Determination. You can do it. You can do it NOW! By starting and encouraging employees to save and invest, we are in fact contributing to the financial wellness of our work teams which should hopefully be passed on to their immediate environs and communities.

The key to building wealth — time, patience and good decision making. More than ever Filipinos need to be wise with their money not just in choosing what to buy or how to spend their hard earned cash but in how to grow it. Easy to read and completely understandable, this book will help Filipinos explore the possibilities open, available and affordable to the ordinary income earning Filipino. Asides from the books, I also watched Mr.

Colayco in YouTube and read the articles in the web. He changed my life. I learned how to save money. I also share what I have learned to my kids, friends, my siblings and to the people I meet so they would know the right way to save money and attain financial freedom. Thank you so much Mr. It brought a realization of how badly I manage my earnings, but it also opened the opportunity to start NOW.

Start saving and investing. It inspired me a lot. It guides me and enlightens me at my tender age. More power and good luck. I am currently looking for a career while at the same time studying for my board exam this November.

I have read your two books, Money and Wealth and it really inspired me to value money and learn how to invest. Thank you for writing those books and I hope that more fresh graduates like me or young professionals will read them and be inspired. But all in all the content was good and it even have matching examples.

For now I will try to apply what I have read from your book. Your books are very informative and has simple information. This is important especially for a woman like me. This book is really a blessing. Natutoakokungpaanoiingatan at mapapalagoang finances ngakingpamilya.

Colayco was the one who influenced me in financial literacy 6 years ago, got some investments now and its working beating inflation and not still focusing to make it happen. My next project is to create passive income as I want to retire early to enjoy time with my family. Thank you for making not only our peramalagobut especially our mind. It was worth the trip from the province to buy your books. I travelled hundreds of kilometers and it had opened a million miles of opportunity and realizations.

For a minimum of Php initial investment and a minimum of Php every additional investment mutual funds can be the primary growth vehicle for your hard earned savings. It is possible to invest this low because mutual fund managers pool the money of many investors to make a big fund which can be used to purchase stocks and bonds which as an individual you may not be able to purchase on your own.

For ordinary people to effectively invest in the stock market and debt market directly, one would need to invest in education, time and amass a bigger capital to prudently manage the risks and gains of these individual investment instruments. Mutual funds are managed by professional fund managers — people who have spent their lives honing the craft of growing your money through the equities and debt markets!

They live, eat and breath the financial markets thus they are able to effectively grow the funds under management as well as preserve the fund in times of economic decline. Mutual funds are also highly regulated by the Securities and Exchange Commisison. They follow very strict procedures in managing the fund as required by the SEC. A mutual fund company is required to buy back your investment at any time.

This means that unlike the stock investing where you have to wait till the system matches your volume-price sell offer with that of a buyer — in mutual funds, there is always a ready buyer — the mutual fund company. There are no maturity periods though if you redeem your investment before six 6 months a minimal exit fee is charged. Over all, you can get the cash when you need it. This is very important as you may have future unforeseen financial obligations or opportunities wherein you need money.

Ideal for those who would like to grow their money in an instrument with good returns, medium-risk and low maintenance requirements. We teach you more than just the what and how to which a decent sales agent can tell you. We focus on equipping you with the right long-term strategies to investing effectively in mutual funds and achieving your wealth goals.

For seminar details and other payment options SMS We have been discussing savings, investment, insurance and other matters through the past fifteen years. It is defined as the gathering of assets from individuals and organizations to develop a larger, diversified portfolio.

Being the pioneers of sharing financial literacy to the masses, the Colayco Financial Education will be offering a C …. Personal finance is a life long activity. Learn about your personal finances and be the first to know about news relevant to your personal finances and growing your money.

Pera Mo Palaguin Mo!