The Finance Engineer

Hard work is the key to both success and fulfillment. It leads to guaranteed achievement. ☝🏼

Just a piece of advice. 🧏🏼‍♂️

Once you receive your 13th month Pay or Christmas Bonus. Bayaran mo ang taong nagpautang sayo noong panahong gipit na gipit ka. Yung taong hindi nagdalawang isip na tulungan ka dahil kaibigan ka nya sa hirap man o ginhawa. You promised to pay but you failed and promised again. He/She trusted you and lend his/her hard-earned money for you to survive. It is time for you to do your part.

Save your relationship with the person whom you owed money. Money can be earned anytime, but the trust once broken will leave a permanent mark the rest of your life. Alalahanin mong hindi lang pera ang pinahiram sayo, kundi pati yung tiwala ng tao. 😉

Kung wala ka naman utang, nothing's wrong if you pamper yourself once in a while. But remember to spend a portion of your money wisely. Invest into something your future self will thank you for. Let that money work for you atleast sa loob ng isang taon, may tamang desisyon kang nagawa sa buhay mo.

Advance Merry Christmas. 🎄🎅🏼

Dun tayo sa long term investment 😉

Bill Gates explains why his daughter can't marry a poor man.

A few years ago I attended a conference in the US on investment and finance. One of the speakers was Bill Gates and in the Q & A phase I asked him a question that made everyone laugh.

If He, the richest man in the world could accept his daughter marrying a poor or modest man. His response turned something into me.

"Billy,

First, understand that wealth doesn't mean having a busy bank account.

Wealth is first the ability to create riches.

Example: Someone who wins the lottery or games of chance. Even if he makes 100 million is not a rich man: He is a poor man with a lot of money, that's why 90 % of lotto millionaires go back to being poor after 5 years.

You also have rich people who have no money. Example, Most entrepreneurs.

THEY are already on the road to wealth even if they don't have money, because they are developing their financial intelligence and that's wealth.

How rich and poor are different:

To make it simple: The rich can die to become rich, while the poor can kill to become rich.

If you see a young person who decides to train, learn new things, try to improve constantly, know that he is a rich man.

If you see a young person who thinks the problem is state, and who finds rich people are all thieves and constantly criticizing, know that he is a poor man.

The rich are convinced they just need information and training to take off, the poor think others need to give them money to take off.

In conclusion, when I say my daughter will not marry a poor man, I do not talk about money. I'm talking about this man's ability to create wealth.

Excuse me for what I'm going to say, but most criminals are poor people. When they are in front of money they lose their minds that's the reason they steal, robbery etc...

It's a grace to them because they don't know how they could make money on their own.

One day, a bank's guard found a bag full of money, he took the bag and went to hand it over to the bank manager.

People called this gentleman an idiot, but actually this gentleman was just a rich man who had no money.

1 year later, the bank offered him a receptionist position, 3 years later he was in charge of customers and 10 years later he manages the regional management of that bank, he manages hundreds of employees and his annual bonuses exceed the amount he could have stolen.

Wealth is first a state of mind my friend.”

From Dr. King House

Financial Planning 101 🧏🏼‍♂

Classic example of INFLATION.
20-30yrs ago ganito lang ang presyo ng gasolina, fast forward today nsa 58php/liter.

This means through time, bumaba ang purchasing power ng pera, nagmamahal ang mga bilihin. And the only way to beat inflation is through investing.

Hindi po kakayanin ng pag titipid ang epekto ng Inflation.

Imagine kung ang pera mo nsa banko lng with 0.25% or 0.125% interest rate (mas mahal pa ung pinamasahe mo sa tricycle kesa sa kita ng pera mo🤦🏻‍♂️) versus sa mas mataas na inflation rate na 3%-4%. 😢

Start investing now. Gano man kaliit ang mahalaga you start now! Know your options.
Let me help you get started. 👨🏼‍💼

Your Finance Engineer,

Engr. MARTIN JOSEPH N. CLEMENTE
Licensed Financial Advisor & Associate Financial Planner