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    Hitting Two Birds with One Stone


    in Financial Tips

    By Efren Ll. Cruz, RFP     You must hand it to marketers.  They really do their homework as far as understanding how the human brain works.   Take the buy now pay later and installment schemes. They are hitting two birds with one stone. Now ordinarily, the saying should be positive as it talks about […]

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    Journeying in life with your insurance


    in Financial Tips

    By: Amy Tamayo I have been an insurance advocate for most of my life.  I may be different but I had my first life insurance when I was 21.  Perhaps I was into adulting way before “adulting” was a buzz term.  Or perhaps I just took life more seriously than others. Fast forward many years […]

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    Reflections of a Life Insurance Policyowner


    in Financial Tips

    By: Amy Tamayo     I am a life insurance policyowner and I have been since I was 21.  Don’t ask for my age but be assured it’s been more than 3 decades since I purchased my first life insurance policy.  I have been a believer of risk protection even before I joined the industry […]

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    The real value of a Financial Adviser


    in Financial Tips

    By: Amy Tamayo   When I was 21, someone came to speak to the employees in our office.  She was an insurance agent.  She told us about the importance of insurance and how we tend to cover our cars and home with insurance but neglect to provide ourselves with life insurance cover. She likened people […]

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    Avoiding a Hole-iday


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    By Efren Ll. Cruz, RFP       Christmas season is fast approaching.  And with this season comes the tradition of gift-giving. Many times, with the number of people that need to be given gifts, we just end up buying impractical tokens that just burn a hole in the pocket.   Parents would say that Christmas […]

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    Thank you for the Love!


    in Financial Tips

    By Marla C. Rama     The Philippines is known to have the longest Christmas Season in the world, as it kicks in during the “ber” months.   While the holidays bring about a feeling of festivities and merrymaking, it can as easily be the most expensive season of the year. To enjoy the holidays without […]

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    Avoiding the Holiday Rush


    in Financial Tips

    By Cristina Calata   It’s the “BER” months and it signals that the Christmas season is just around the corner.  What have you done to ensure you don’t go broke on this festive and gift giving occasion? If you haven’t started preparing your funds for the gifts you have to give, not to mention the parties […]

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    Our Amazing Body


    in Financial Tips

    By Efren Ll. Cruz, RFP     I’ll let you in on a little secret. I’m a kidney transplant patient.   I was transplanted a kidney in 2008.  So far, everything is going great.  The measure of waste in the blood is called creatinine and the normal level is 0.6 to 1.2 mg/dL.  I am borderline […]

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    Poor Health puts Wealth in Stealth


    in Financial Tips

    By Efren Ll. Cruz, RFP     Decades ago, people would just bottle up their emotions because that’s how they were raised. Nowadays, repression is seen as more harmful than good and that a healthy expression of one’s feelings leads to wellness.   Take note of the phrase “healthy expression”.  We do not want an over […]

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    Striking the Power Pose


    in Financial Tips

    By Efren Ll. Cruz, RFP   There are two hormones that our body produces that help us tackle the daily challenges in life.   The first one is cortisol. Cortisol is a stress steroid hormone and is produced by the zona fasciculata of the adrenal cortex within the adrenal gland.  Cortisol is released by the body […]

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