Gemmy Lontoc, RFP

Sharing my thoughts on online shopping

This Simple Habit Can Help You Save Money and Cut Waste—Even When You Shop Online Every Week Online shopping has become second nature for many Filipinos—especially during and after the pandemic, when mobility restrictions and safety concerns pushed consumers to shift to digital platforms. But while the convenience of e-commerce is undeniable, it also comes with a cost: overspending, waste...

Sharing my thoughts on debt and wealth

How to Leverage Debt for Long-Term Wealth: A Financial Planner’s Insight Debt often gets a bad reputation, but when used strategically, it can be a powerful tool for building wealth and achieving your financial goals. According to Genesis Kelly Lontoc, a Registered Financial Planner, “Debt represents a financial obligation between a lender and a borrower, and understan...

Sharing my thoughts on investing

How to Start Investing With Any Budget (Even if You Think You Can’t Afford It) Many people believe that investing is only for the wealthy—something you do once you’ve saved up a large amount of money. But according to Genesis Kelly Lontoc, a Registered Financial Planner, who shared his insights with Financial Adviser PH, this is a myth that keeps people from building real ...

Six ways to manage yuletide spending
BusinessMirror | November 23, 2023

Six ways to manage yuletide spending | Genesis Kelly S. Lontoc THE yuletide season is a joyful season in the Philippines. It is a season of many parties and gifts. A survey conducted by Rakuten Insight in November 2022 reveals that half of the respondents in the Philippines stated that they intended to or had already spent less money on holiday…